id	sid	tid	token	lemma	pos
cjfa-20691	1	1	date	date	NOUN
cjfa-20691	1	2	of	of	ADP
cjfa-20691	1	3	submission	submission	NOUN
cjfa-20691	1	4	:	:	PUNCT
cjfa-20691	1	5	may	may	AUX
cjfa-20691	1	6	27	27	NUM
cjfa-20691	1	7	,	,	PUNCT
cjfa-20691	1	8	2019	2019	NUM
cjfa-20691	1	9	;	;	PUNCT
cjfa-20691	1	10	date	date	NOUN
cjfa-20691	1	11	of	of	ADP
cjfa-20691	1	12	acceptance	acceptance	NOUN
cjfa-20691	1	13	:	:	PUNCT
cjfa-20691	1	14	june	june	PROPN
cjfa-20691	1	15	1	1	NUM
cjfa-20691	1	16	,	,	PUNCT
cjfa-20691	1	17	2019	2019	NUM
cjfa-20691	1	18	.	.	PUNCT
cjfa-20691	2	1	*	*	PUNCT
cjfa-20691	2	2	contact	contact	NOUN
cjfa-20691	2	3	information	information	NOUN
cjfa-20691	2	4	:	:	PUNCT
cjfa-20691	2	5	mikolaj.borowski.beszta@gmail.com	mikolaj.borowski.beszta@gmail.com	X
cjfa-20691	2	6	,	,	PUNCT
cjfa-20691	2	7	faculty	faculty	NOUN
cjfa-20691	2	8	of	of	ADP
cjfa-20691	2	9	economic	economic	ADJ
cjfa-20691	2	10	sciences	science	NOUN
cjfa-20691	2	11	and	and	CCONJ
cjfa-20691	2	12	management	management	NOUN
cjfa-20691	2	13	,	,	PUNCT
cjfa-20691	2	14	nicolaus	nicolaus	PROPN
cjfa-20691	2	15	copernicus	copernicus	PROPN
cjfa-20691	2	16	university	university	PROPN
cjfa-20691	2	17	in	in	ADP
cjfa-20691	2	18	toruń	toruń	PROPN
cjfa-20691	2	19	,	,	PUNCT
cjfa-20691	2	20	gagarina	gagarina	NOUN
cjfa-20691	2	21	13a	13a	NOUN
cjfa-20691	2	22	,	,	PUNCT
cjfa-20691	2	23	87	87	NUM
cjfa-20691	2	24	-	-	SYM
cjfa-20691	2	25	100	100	NUM
cjfa-20691	2	26	toruń	toruń	NOUN
cjfa-20691	2	27	,	,	PUNCT
cjfa-20691	2	28	poland	poland	PROPN
cjfa-20691	2	29	,	,	PUNCT
cjfa-20691	2	30	phone	phone	NOUN
cjfa-20691	2	31	:	:	PUNCT
cjfa-20691	2	32	+48	+48	NUM
cjfa-20691	2	33	698	698	NUM
cjfa-20691	2	34	700	700	NUM
cjfa-20691	2	35	010	010	NUM
cjfa-20691	2	36	;	;	PUNCT
cjfa-20691	2	37	orcid	orcid	PROPN
cjfa-20691	3	1	i	i	NOUN
cjfa-20691	3	2	d	d	NOUN
cjfa-20691	3	3	:	:	PUNCT
cjfa-20691	3	4	https://orcid.org/00000001-6590-4279	https://orcid.org/00000001-6590-4279	VERB
cjfa-20691	3	5	.	.	PUNCT
cjfa-20691	4	1	*	*	PUNCT
cjfa-20691	4	2	*	*	PUNCT
cjfa-20691	4	3	contact	contact	NOUN
cjfa-20691	4	4	information	information	NOUN
cjfa-20691	4	5	:	:	PUNCT
cjfa-20691	4	6	anna.kiermas@gmail.com	anna.kiermas@gmail.com	PROPN
cjfa-20691	4	7	,	,	PUNCT
cjfa-20691	4	8	faculty	faculty	NOUN
cjfa-20691	4	9	of	of	ADP
cjfa-20691	4	10	economic	economic	ADJ
cjfa-20691	4	11	sciences	science	NOUN
cjfa-20691	4	12	and	and	CCONJ
cjfa-20691	4	13	management	management	NOUN
cjfa-20691	4	14	,	,	PUNCT
cjfa-20691	4	15	nicolaus	nicolaus	PROPN
cjfa-20691	4	16	copernicus	copernicus	PROPN
cjfa-20691	4	17	university	university	PROPN
cjfa-20691	4	18	in	in	ADP
cjfa-20691	4	19	toruń	toruń	PROPN
cjfa-20691	4	20	,	,	PUNCT
cjfa-20691	4	21	gagarina	gagarina	NOUN
cjfa-20691	4	22	13a	13a	NOUN
cjfa-20691	4	23	,	,	PUNCT
cjfa-20691	4	24	87	87	NUM
cjfa-20691	4	25	-	-	SYM
cjfa-20691	4	26	100	100	NUM
cjfa-20691	4	27	toruń	toruń	NOUN
cjfa-20691	4	28	,	,	PUNCT
cjfa-20691	4	29	poland	poland	PROPN
cjfa-20691	4	30	,	,	PUNCT
cjfa-20691	4	31	phone	phone	NOUN
cjfa-20691	4	32	:	:	PUNCT
cjfa-20691	4	33	+48	+48	NUM
cjfa-20691	4	34	533	533	NUM
cjfa-20691	4	35	643	643	NUM
cjfa-20691	4	36	552	552	NUM
cjfa-20691	4	37	;	;	PUNCT
cjfa-20691	4	38	orcid	orcid	NOUN
cjfa-20691	5	1	i	i	NOUN
cjfa-20691	5	2	d	d	PROPN
cjfa-20691	5	3	:	:	PUNCT
cjfa-20691	6	1	https://orcid.org/0000-0002-6876-9866	https://orcid.org/0000-0002-6876-9866	INTJ
cjfa-20691	6	2	.	.	PUNCT
cjfa-20691	7	1	this	this	DET
cjfa-20691	7	2	work	work	NOUN
cjfa-20691	7	3	was	be	AUX
cjfa-20691	7	4	supported	support	VERB
cjfa-20691	7	5	by	by	ADP
cjfa-20691	7	6	the	the	DET
cjfa-20691	7	7	national	national	PROPN
cjfa-20691	7	8	science	science	PROPN
cjfa-20691	7	9	centre	centre	PROPN
cjfa-20691	7	10	,	,	PUNCT
cjfa-20691	7	11	poland	poland	PROPN
cjfa-20691	7	12	under	under	ADP
cjfa-20691	7	13	grant	grant	NOUN
cjfa-20691	7	14	no	no	NOUN
cjfa-20691	7	15	.	.	NOUN
cjfa-20691	7	16	2017/26	2017/26	NUM
cjfa-20691	7	17	/	/	SYM
cjfa-20691	7	18	e	e	NOUN
cjfa-20691	7	19	/	/	SYM
cjfa-20691	7	20	hs4/00858	hs4/00858	NOUN
cjfa-20691	7	21	.	.	PUNCT
cjfa-20691	7	22	borowski	borowski	NOUN
cjfa-20691	7	23	-	-	PUNCT
cjfa-20691	7	24	beszta	beszta	ADJ
cjfa-20691	7	25	,	,	PUNCT
cjfa-20691	7	26	m.	m.	NOUN
cjfa-20691	7	27	,	,	PUNCT
cjfa-20691	7	28	&	&	CCONJ
cjfa-20691	7	29	kiermas	kiermas	PROPN
cjfa-20691	7	30	,	,	PUNCT
cjfa-20691	7	31	a.	a.	NOUN
cjfa-20691	7	32	(	(	PUNCT
cjfa-20691	7	33	2019	2019	NUM
cjfa-20691	7	34	)	)	PUNCT
cjfa-20691	7	35	.	.	PUNCT
cjfa-20691	8	1	the	the	DET
cjfa-20691	8	2	usage	usage	NOUN
cjfa-20691	8	3	of	of	ADP
cjfa-20691	8	4	mobile	mobile	ADJ
cjfa-20691	8	5	banking	banking	NOUN
cjfa-20691	8	6	applications	application	NOUN
cjfa-20691	8	7	in	in	ADP
cjfa-20691	8	8	poland	poland	PROPN
cjfa-20691	8	9	:	:	PUNCT
cjfa-20691	8	10	empirical	empirical	ADJ
cjfa-20691	8	11	results	result	NOUN
cjfa-20691	8	12	.	.	PUNCT
cjfa-20691	9	1	copernican	copernican	PROPN
cjfa-20691	9	2	journal	journal	PROPN
cjfa-20691	9	3	of	of	ADP
cjfa-20691	9	4	finance	finance	PROPN
cjfa-20691	9	5	&	&	CCONJ
cjfa-20691	9	6	accounting	accounting	PROPN
cjfa-20691	9	7	,	,	PUNCT
cjfa-20691	9	8	8(1	8(1	NOUN
cjfa-20691	9	9	)	)	PUNCT
cjfa-20691	9	10	,	,	PUNCT
cjfa-20691	9	11	9–25	9–25	NUM
cjfa-20691	9	12	.	.	PUNCT
cjfa-20691	9	13	http://dx.doi	http://dx.doi	NOUN
cjfa-20691	9	14	.	.	PUNCT
cjfa-20691	10	1	org/10.12775	org/10.12775	PROPN
cjfa-20691	10	2	/	/	SYM
cjfa-20691	10	3	cjfa.2019.001	cjfa.2019.001	PROPN
cjfa-20691	10	4	mikołaj	mikołaj	NOUN
cjfa-20691	10	5	borowski	borowski	NOUN
cjfa-20691	10	6	-	-	PUNCT
cjfa-20691	10	7	beszta	beszta	PROPN
cjfa-20691	10	8	*	*	PROPN
cjfa-20691	10	9	nicolaus	nicolaus	PROPN
cjfa-20691	10	10	copernicus	copernicus	PROPN
cjfa-20691	10	11	university	university	PROPN
cjfa-20691	10	12	in	in	ADP
cjfa-20691	10	13	toruń	toruń	PROPN
cjfa-20691	10	14	anna	anna	PROPN
cjfa-20691	10	15	kiermas	kiermas	PROPN
cjfa-20691	10	16	*	*	PROPN
cjfa-20691	10	17	*	*	PROPN
cjfa-20691	10	18	nicolaus	nicolaus	PROPN
cjfa-20691	10	19	copernicus	copernicus	PROPN
cjfa-20691	10	20	university	university	PROPN
cjfa-20691	10	21	in	in	ADP
cjfa-20691	10	22	toruń	toruń	NOUN
cjfa-20691	10	23	the	the	DET
cjfa-20691	10	24	usage	usage	NOUN
cjfa-20691	10	25	of	of	ADP
cjfa-20691	10	26	mobile	mobile	ADJ
cjfa-20691	10	27	banking	banking	NOUN
cjfa-20691	10	28	applications	application	NOUN
cjfa-20691	10	29	in	in	ADP
cjfa-20691	10	30	poland	poland	PROPN
cjfa-20691	10	31	:	:	PUNCT
cjfa-20691	10	32	empirical	empirical	ADJ
cjfa-20691	10	33	results	result	NOUN
cjfa-20691	10	34	keywords	keyword	NOUN
cjfa-20691	10	35	:	:	PUNCT
cjfa-20691	10	36	mobile	mobile	ADJ
cjfa-20691	10	37	banking	banking	NOUN
cjfa-20691	10	38	,	,	PUNCT
cjfa-20691	10	39	mobile	mobile	ADJ
cjfa-20691	10	40	applications	application	NOUN
cjfa-20691	10	41	,	,	PUNCT
cjfa-20691	10	42	payment	payment	NOUN
cjfa-20691	10	43	services	service	NOUN
cjfa-20691	10	44	.	.	PUNCT
cjfa-20691	11	1	j	j	PROPN
cjfa-20691	11	2	e	e	PROPN
cjfa-20691	11	3	l	l	PROPN
cjfa-20691	11	4	classification	classification	NOUN
cjfa-20691	11	5	:	:	PUNCT
cjfa-20691	11	6	d12	d12	PROPN
cjfa-20691	11	7	,	,	PUNCT
cjfa-20691	11	8	e42	e42	NUM
cjfa-20691	11	9	,	,	PUNCT
cjfa-20691	11	10	o33	o33	NOUN
cjfa-20691	11	11	.	.	PUNCT
cjfa-20691	12	1	abstract	abstract	NOUN
cjfa-20691	12	2	:	:	PUNCT
cjfa-20691	12	3	the	the	DET
cjfa-20691	12	4	purpose	purpose	NOUN
cjfa-20691	12	5	of	of	ADP
cjfa-20691	12	6	this	this	DET
cjfa-20691	12	7	article	article	NOUN
cjfa-20691	12	8	is	be	AUX
cjfa-20691	12	9	to	to	PART
cjfa-20691	12	10	determine	determine	VERB
cjfa-20691	12	11	the	the	DET
cjfa-20691	12	12	scope	scope	NOUN
cjfa-20691	12	13	of	of	ADP
cjfa-20691	12	14	mobile	mobile	ADJ
cjfa-20691	12	15	banking	banking	NOUN
cjfa-20691	12	16	applications	application	NOUN
cjfa-20691	12	17	use	use	VERB
cjfa-20691	12	18	among	among	ADP
cjfa-20691	12	19	retail	retail	ADJ
cjfa-20691	12	20	bank	bank	NOUN
cjfa-20691	12	21	customers	customer	NOUN
cjfa-20691	12	22	in	in	ADP
cjfa-20691	12	23	poland	poland	PROPN
cjfa-20691	12	24	.	.	PUNCT
cjfa-20691	13	1	a	a	DET
cjfa-20691	13	2	brief	brief	ADJ
cjfa-20691	13	3	review	review	NOUN
cjfa-20691	13	4	of	of	ADP
cjfa-20691	13	5	different	different	ADJ
cjfa-20691	13	6	approaches	approach	NOUN
cjfa-20691	13	7	to	to	ADP
cjfa-20691	13	8	the	the	DET
cjfa-20691	13	9	mobile	mobile	ADJ
cjfa-20691	13	10	banking	banking	NOUN
cjfa-20691	13	11	definition	definition	NOUN
cjfa-20691	13	12	is	be	AUX
cjfa-20691	13	13	presented	present	VERB
cjfa-20691	13	14	,	,	PUNCT
cjfa-20691	13	15	and	and	CCONJ
cjfa-20691	13	16	the	the	DET
cjfa-20691	13	17	definition	definition	NOUN
cjfa-20691	13	18	that	that	PRON
cjfa-20691	13	19	corresponds	correspond	VERB
cjfa-20691	13	20	to	to	ADP
cjfa-20691	13	21	the	the	DET
cjfa-20691	13	22	current	current	ADJ
cjfa-20691	13	23	state	state	NOUN
cjfa-20691	13	24	of	of	ADP
cjfa-20691	13	25	the	the	DET
cjfa-20691	13	26	mobile	mobile	ADJ
cjfa-20691	13	27	banking	banking	NOUN
cjfa-20691	13	28	market	market	NOUN
cjfa-20691	13	29	has	have	AUX
cjfa-20691	13	30	been	be	AUX
cjfa-20691	13	31	pointed	point	VERB
cjfa-20691	13	32	out	out	ADP
cjfa-20691	13	33	.	.	PUNCT
cjfa-20691	14	1	the	the	DET
cjfa-20691	14	2	paper	paper	NOUN
cjfa-20691	14	3	also	also	ADV
cjfa-20691	14	4	presents	present	VERB
cjfa-20691	14	5	the	the	DET
cjfa-20691	14	6	evolution	evolution	NOUN
cjfa-20691	14	7	and	and	CCONJ
cjfa-20691	14	8	development	development	NOUN
cjfa-20691	14	9	of	of	ADP
cjfa-20691	14	10	mobile	mobile	ADJ
cjfa-20691	14	11	banking	banking	NOUN
cjfa-20691	14	12	channel	channel	NOUN
cjfa-20691	14	13	in	in	ADP
cjfa-20691	14	14	poland	poland	PROPN
cjfa-20691	14	15	in	in	ADP
cjfa-20691	14	16	the	the	DET
cjfa-20691	14	17	years	year	NOUN
cjfa-20691	14	18	2000–2018	2000–2018	NUM
cjfa-20691	14	19	.	.	PUNCT
cjfa-20691	15	1	the	the	DET
cjfa-20691	15	2	number	number	NOUN
cjfa-20691	15	3	of	of	ADP
cjfa-20691	15	4	active	active	ADJ
cjfa-20691	15	5	mobile	mobile	ADJ
cjfa-20691	15	6	banking	banking	NOUN
cjfa-20691	15	7	users	user	NOUN
cjfa-20691	15	8	in	in	ADP
cjfa-20691	15	9	the	the	DET
cjfa-20691	15	10	years	year	NOUN
cjfa-20691	15	11	2014–2018	2014–2018	NUM
cjfa-20691	15	12	copernican	copernican	PROPN
cjfa-20691	15	13	journal	journal	PROPN
cjfa-20691	15	14	of	of	ADP
cjfa-20691	15	15	finance	finance	PROPN
cjfa-20691	15	16	&	&	CCONJ
cjfa-20691	15	17	accounting	accounting	PROPN
cjfa-20691	15	18	e	e	PROPN
cjfa-20691	15	19	-	-	PROPN
cjfa-20691	15	20	issn	issn	PROPN
cjfa-20691	15	21	2300	2300	NUM
cjfa-20691	15	22	-	-	SYM
cjfa-20691	15	23	3065	3065	NUM
cjfa-20691	15	24	p	p	PROPN
cjfa-20691	15	25	-	-	PUNCT
cjfa-20691	15	26	issn	issn	PROPN
cjfa-20691	15	27	2300	2300	NUM
cjfa-20691	15	28	-	-	SYM
cjfa-20691	15	29	12402019	12402019	NUM
cjfa-20691	15	30	,	,	PUNCT
cjfa-20691	15	31	volume	volume	NOUN
cjfa-20691	15	32	8	8	NUM
cjfa-20691	15	33	,	,	PUNCT
cjfa-20691	15	34	issue	issue	NOUN
cjfa-20691	15	35	1	1	NUM
cjfa-20691	15	36	cjf&a	cjf&a	NOUN
cjfa-20691	15	37	co	co	NOUN
cjfa-20691	15	38	pe	pe	PROPN
cjfa-20691	15	39	rn	rn	PROPN
cjfa-20691	15	40	ic	ic	PROPN
cjfa-20691	15	41	an	an	DET
cjfa-20691	15	42	j	j	PROPN
cjfa-20691	15	43	o	o	INTJ
cjfa-20691	15	44	ur	ur	INTJ
cjfa-20691	15	45	nal	nal	PROPN
cjfa-20691	15	46	of	of	ADP
cjfa-20691	15	47	finance	finance	NOUN
cjfa-20691	15	48	&	&	CCONJ
cjfa-20691	15	49	a	a	DET
cjfa-20691	15	50	c	c	NOUN
cjfa-20691	15	51	c	c	NOUN
cjfa-20691	15	52	o	o	X
cjfa-20691	15	53	u	u	NOUN
cjfa-20691	15	54	n	n	CCONJ
cjfa-20691	15	55	tin	tin	NOUN
cjfa-20691	15	56	g	g	PROPN
cjfa-20691	15	57	mikołaj	mikołaj	NOUN
cjfa-20691	15	58	borowski	borowski	NOUN
cjfa-20691	15	59	-	-	PUNCT
cjfa-20691	15	60	beszta	beszta	ADJ
cjfa-20691	15	61	,	,	PUNCT
cjfa-20691	15	62	anna	anna	PROPN
cjfa-20691	15	63	kiermas10	kiermas10	PROPN
cjfa-20691	15	64	has	have	AUX
cjfa-20691	15	65	dynamically	dynamically	ADV
cjfa-20691	15	66	increased	increase	VERB
cjfa-20691	15	67	from	from	ADP
cjfa-20691	15	68	3.5	3.5	NUM
cjfa-20691	15	69	in	in	ADP
cjfa-20691	15	70	2014	2014	NUM
cjfa-20691	15	71	,	,	PUNCT
cjfa-20691	15	72	to	to	ADP
cjfa-20691	15	73	over	over	ADP
cjfa-20691	15	74	11.2	11.2	NUM
cjfa-20691	15	75	million	million	NUM
cjfa-20691	15	76	in	in	ADP
cjfa-20691	15	77	2018	2018	NUM
cjfa-20691	15	78	,	,	PUNCT
cjfa-20691	15	79	which	which	PRON
cjfa-20691	15	80	is	be	AUX
cjfa-20691	15	81	much	much	ADV
cjfa-20691	15	82	faster	fast	ADJ
cjfa-20691	15	83	than	than	ADP
cjfa-20691	15	84	the	the	DET
cjfa-20691	15	85	development	development	NOUN
cjfa-20691	15	86	of	of	ADP
cjfa-20691	15	87	online	online	ADJ
cjfa-20691	15	88	banking	banking	NOUN
cjfa-20691	15	89	.	.	PUNCT
cjfa-20691	16	1	the	the	DET
cjfa-20691	16	2	quantitative	quantitative	ADJ
cjfa-20691	16	3	study	study	NOUN
cjfa-20691	16	4	is	be	AUX
cjfa-20691	16	5	based	base	VERB
cjfa-20691	16	6	on	on	ADP
cjfa-20691	16	7	a	a	DET
cjfa-20691	16	8	survey	survey	NOUN
cjfa-20691	16	9	performed	perform	VERB
cjfa-20691	16	10	in	in	ADP
cjfa-20691	16	11	2018	2018	NUM
cjfa-20691	16	12	with	with	ADP
cjfa-20691	16	13	the	the	DET
cjfa-20691	16	14	use	use	NOUN
cjfa-20691	16	15	of	of	ADP
cjfa-20691	16	16	the	the	DET
cjfa-20691	16	17	cawi	cawi	NOUN
cjfa-20691	16	18	method	method	NOUN
cjfa-20691	16	19	,	,	PUNCT
cjfa-20691	16	20	carried	carry	VERB
cjfa-20691	16	21	on	on	ADP
cjfa-20691	16	22	a	a	DET
cjfa-20691	16	23	representative	representative	ADJ
cjfa-20691	16	24	sample	sample	NOUN
cjfa-20691	16	25	of	of	ADP
cjfa-20691	16	26	1012	1012	NUM
cjfa-20691	16	27	polish	polish	ADJ
cjfa-20691	16	28	internet	internet	NOUN
cjfa-20691	16	29	users	user	NOUN
cjfa-20691	16	30	.	.	PUNCT
cjfa-20691	17	1	the	the	DET
cjfa-20691	17	2	obtained	obtain	VERB
cjfa-20691	17	3	results	result	NOUN
cjfa-20691	17	4	allow	allow	VERB
cjfa-20691	17	5	to	to	PART
cjfa-20691	17	6	explore	explore	VERB
cjfa-20691	17	7	the	the	DET
cjfa-20691	17	8	customers	customer	NOUN
cjfa-20691	17	9	’	’	PART
cjfa-20691	17	10	usage	usage	NOUN
cjfa-20691	17	11	of	of	ADP
cjfa-20691	17	12	mobile	mobile	ADJ
cjfa-20691	17	13	banking	banking	NOUN
cjfa-20691	17	14	applications	application	NOUN
cjfa-20691	17	15	.	.	PUNCT
cjfa-20691	18	1	it	it	PRON
cjfa-20691	18	2	turned	turn	VERB
cjfa-20691	18	3	out	out	ADP
cjfa-20691	18	4	,	,	PUNCT
cjfa-20691	18	5	that	that	SCONJ
cjfa-20691	18	6	these	these	DET
cjfa-20691	18	7	applications	application	NOUN
cjfa-20691	18	8	are	be	AUX
cjfa-20691	18	9	already	already	ADV
cjfa-20691	18	10	a	a	DET
cjfa-20691	18	11	popular	popular	ADJ
cjfa-20691	18	12	communication	communication	NOUN
cjfa-20691	18	13	channel	channel	NOUN
cjfa-20691	18	14	among	among	ADP
cjfa-20691	18	15	polish	polish	ADJ
cjfa-20691	18	16	internet	internet	NOUN
cjfa-20691	18	17	users	user	NOUN
cjfa-20691	18	18	–	–	PUNCT
cjfa-20691	18	19	over	over	ADP
cjfa-20691	18	20	half	half	NOUN
cjfa-20691	18	21	of	of	ADP
cjfa-20691	18	22	respondents	respondent	NOUN
cjfa-20691	18	23	already	already	ADV
cjfa-20691	18	24	have	have	VERB
cjfa-20691	18	25	a	a	DET
cjfa-20691	18	26	mobile	mobile	ADJ
cjfa-20691	18	27	banking	banking	NOUN
cjfa-20691	18	28	application	application	NOUN
cjfa-20691	18	29	installed	instal	VERB
cjfa-20691	18	30	on	on	ADP
cjfa-20691	18	31	their	their	PRON
cjfa-20691	18	32	device	device	NOUN
cjfa-20691	18	33	and	and	CCONJ
cjfa-20691	18	34	¾	¾	NOUN
cjfa-20691	18	35	of	of	ADP
cjfa-20691	18	36	them	they	PRON
cjfa-20691	18	37	use	use	VERB
cjfa-20691	18	38	it	it	PRON
cjfa-20691	18	39	on	on	ADP
cjfa-20691	18	40	a	a	DET
cjfa-20691	18	41	day	day	NOUN
cjfa-20691	18	42	-	-	PUNCT
cjfa-20691	18	43	to	to	ADP
cjfa-20691	18	44	-	-	PUNCT
cjfa-20691	18	45	day	day	NOUN
cjfa-20691	18	46	basis	basis	NOUN
cjfa-20691	18	47	.	.	PUNCT
cjfa-20691	19	1	the	the	DET
cjfa-20691	19	2	most	most	ADV
cjfa-20691	19	3	common	common	ADJ
cjfa-20691	19	4	functions	function	NOUN
cjfa-20691	19	5	are	be	AUX
cjfa-20691	19	6	checking	check	VERB
cjfa-20691	19	7	the	the	DET
cjfa-20691	19	8	account	account	NOUN
cjfa-20691	19	9	balance	balance	NOUN
cjfa-20691	19	10	or	or	CCONJ
cjfa-20691	19	11	initiating	initiate	VERB
cjfa-20691	19	12	a	a	DET
cjfa-20691	19	13	bank	bank	NOUN
cjfa-20691	19	14	transfer	transfer	NOUN
cjfa-20691	19	15	.	.	PUNCT
cjfa-20691	20	1	furthermore	furthermore	ADV
cjfa-20691	20	2	,	,	PUNCT
cjfa-20691	20	3	nine	nine	NUM
cjfa-20691	20	4	of	of	ADP
cjfa-20691	20	5	ten	ten	NUM
cjfa-20691	20	6	users	user	NOUN
cjfa-20691	20	7	are	be	AUX
cjfa-20691	20	8	satisfied	satisfied	ADJ
cjfa-20691	20	9	with	with	ADP
cjfa-20691	20	10	the	the	DET
cjfa-20691	20	11	use	use	NOUN
cjfa-20691	20	12	of	of	ADP
cjfa-20691	20	13	their	their	PRON
cjfa-20691	20	14	application	application	NOUN
cjfa-20691	20	15	.	.	PUNCT
cjfa-20691	21	1	the	the	DET
cjfa-20691	21	2	results	result	NOUN
cjfa-20691	21	3	also	also	ADV
cjfa-20691	21	4	suggest	suggest	VERB
cjfa-20691	21	5	,	,	PUNCT
cjfa-20691	21	6	that	that	SCONJ
cjfa-20691	21	7	due	due	ADP
cjfa-20691	21	8	to	to	ADP
cjfa-20691	21	9	growing	grow	VERB
cjfa-20691	21	10	needs	need	NOUN
cjfa-20691	21	11	of	of	ADP
cjfa-20691	21	12	mobile	mobile	ADJ
cjfa-20691	21	13	banking	banking	NOUN
cjfa-20691	21	14	applications	application	NOUN
cjfa-20691	21	15	users	user	NOUN
cjfa-20691	21	16	,	,	PUNCT
cjfa-20691	21	17	as	as	ADV
cjfa-20691	21	18	well	well	ADV
cjfa-20691	21	19	as	as	ADP
cjfa-20691	21	20	the	the	DET
cjfa-20691	21	21	increasing	increase	VERB
cjfa-20691	21	22	usefulness	usefulness	NOUN
cjfa-20691	21	23	and	and	CCONJ
cjfa-20691	21	24	ergonomics	ergonomic	NOUN
cjfa-20691	21	25	of	of	ADP
cjfa-20691	21	26	applications	application	NOUN
cjfa-20691	21	27	,	,	PUNCT
cjfa-20691	21	28	the	the	DET
cjfa-20691	21	29	upward	upward	ADJ
cjfa-20691	21	30	trend	trend	NOUN
cjfa-20691	21	31	of	of	ADP
cjfa-20691	21	32	mobile	mobile	ADJ
cjfa-20691	21	33	banking	banking	NOUN
cjfa-20691	21	34	applications	application	NOUN
cjfa-20691	21	35	usage	usage	NOUN
cjfa-20691	21	36	in	in	ADP
cjfa-20691	21	37	poland	poland	PROPN
cjfa-20691	21	38	is	be	AUX
cjfa-20691	21	39	not	not	PART
cjfa-20691	21	40	likely	likely	ADJ
cjfa-20691	21	41	to	to	PART
cjfa-20691	21	42	slow	slow	VERB
cjfa-20691	21	43	down	down	ADP
cjfa-20691	21	44	in	in	ADP
cjfa-20691	21	45	the	the	DET
cjfa-20691	21	46	next	next	ADJ
cjfa-20691	21	47	few	few	ADJ
cjfa-20691	21	48	years	year	NOUN
cjfa-20691	21	49	.	.	PUNCT
cjfa-20691	21	50	 	 	SPACE
cjfa-20691	22	1	introduction	introduction	NOUN
cjfa-20691	22	2	mobility	mobility	NOUN
cjfa-20691	22	3	is	be	AUX
cjfa-20691	22	4	currently	currently	ADV
cjfa-20691	22	5	an	an	DET
cjfa-20691	22	6	extremely	extremely	ADV
cjfa-20691	22	7	valued	value	VERB
cjfa-20691	22	8	and	and	CCONJ
cjfa-20691	22	9	sought	seek	VERB
cjfa-20691	22	10	-	-	PUNCT
cjfa-20691	22	11	after	after	ADP
cjfa-20691	22	12	feature	feature	NOUN
cjfa-20691	22	13	in	in	ADP
cjfa-20691	22	14	many	many	ADJ
cjfa-20691	22	15	areas	area	NOUN
cjfa-20691	22	16	of	of	ADP
cjfa-20691	22	17	the	the	DET
cjfa-20691	22	18	economy	economy	NOUN
cjfa-20691	22	19	and	and	CCONJ
cjfa-20691	22	20	private	private	ADJ
cjfa-20691	22	21	life	life	NOUN
cjfa-20691	22	22	.	.	PUNCT
cjfa-20691	23	1	it	it	PRON
cjfa-20691	23	2	is	be	AUX
cjfa-20691	23	3	associated	associate	VERB
cjfa-20691	23	4	with	with	ADP
cjfa-20691	23	5	:	:	PUNCT
cjfa-20691	23	6	convenience	convenience	NOUN
cjfa-20691	23	7	,	,	PUNCT
cjfa-20691	23	8	quickness	quickness	NOUN
cjfa-20691	23	9	,	,	PUNCT
cjfa-20691	23	10	and	and	CCONJ
cjfa-20691	23	11	above	above	ADP
cjfa-20691	23	12	all	all	DET
cjfa-20691	23	13	the	the	DET
cjfa-20691	23	14	ability	ability	NOUN
cjfa-20691	23	15	to	to	PART
cjfa-20691	23	16	perform	perform	VERB
cjfa-20691	23	17	specific	specific	ADJ
cjfa-20691	23	18	activities	activity	NOUN
cjfa-20691	23	19	anywhere	anywhere	ADV
cjfa-20691	23	20	and	and	CCONJ
cjfa-20691	23	21	at	at	ADP
cjfa-20691	23	22	any	any	DET
cjfa-20691	23	23	time	time	NOUN
cjfa-20691	23	24	(	(	PUNCT
cjfa-20691	23	25	sobiesiak	sobiesiak	PROPN
cjfa-20691	23	26	&	&	CCONJ
cjfa-20691	23	27	zagrodniczek	zagrodniczek	PROPN
cjfa-20691	23	28	,	,	PUNCT
cjfa-20691	23	29	2018	2018	NUM
cjfa-20691	23	30	,	,	PUNCT
cjfa-20691	23	31	p.	p.	NOUN
cjfa-20691	23	32	66	66	NUM
cjfa-20691	23	33	)	)	PUNCT
cjfa-20691	23	34	.	.	PUNCT
cjfa-20691	24	1	in	in	ADP
cjfa-20691	24	2	banking	banking	NOUN
cjfa-20691	24	3	,	,	PUNCT
cjfa-20691	24	4	mobility	mobility	NOUN
cjfa-20691	24	5	manifests	manifest	VERB
cjfa-20691	24	6	itself	itself	PRON
cjfa-20691	24	7	through	through	ADP
cjfa-20691	24	8	innovative	innovative	ADJ
cjfa-20691	24	9	channels	channel	NOUN
cjfa-20691	24	10	of	of	ADP
cjfa-20691	24	11	communication	communication	NOUN
cjfa-20691	24	12	between	between	ADP
cjfa-20691	24	13	the	the	DET
cjfa-20691	24	14	bank	bank	NOUN
cjfa-20691	24	15	and	and	CCONJ
cjfa-20691	24	16	its	its	PRON
cjfa-20691	24	17	clients	client	NOUN
cjfa-20691	24	18	.	.	PUNCT
cjfa-20691	25	1	when	when	SCONJ
cjfa-20691	25	2	the	the	DET
cjfa-20691	25	3	first	first	ADJ
cjfa-20691	25	4	mobile	mobile	ADJ
cjfa-20691	25	5	banking	banking	NOUN
cjfa-20691	25	6	solutions	solution	NOUN
cjfa-20691	25	7	have	have	AUX
cjfa-20691	25	8	been	be	AUX
cjfa-20691	25	9	introduced	introduce	VERB
cjfa-20691	25	10	in	in	ADP
cjfa-20691	25	11	poland	poland	PROPN
cjfa-20691	25	12	at	at	ADP
cjfa-20691	25	13	the	the	DET
cjfa-20691	25	14	beginning	beginning	NOUN
cjfa-20691	25	15	of	of	ADP
cjfa-20691	25	16	the	the	DET
cjfa-20691	25	17	21st	21st	ADJ
cjfa-20691	25	18	century	century	NOUN
cjfa-20691	25	19	,	,	PUNCT
cjfa-20691	25	20	there	there	PRON
cjfa-20691	25	21	was	be	VERB
cjfa-20691	25	22	a	a	DET
cjfa-20691	25	23	shortage	shortage	NOUN
cjfa-20691	25	24	of	of	ADP
cjfa-20691	25	25	adequately	adequately	ADV
cjfa-20691	25	26	advanced	advanced	ADJ
cjfa-20691	25	27	technology	technology	NOUN
cjfa-20691	25	28	that	that	PRON
cjfa-20691	25	29	would	would	AUX
cjfa-20691	25	30	be	be	AUX
cjfa-20691	25	31	sufficiently	sufficiently	ADV
cjfa-20691	25	32	effective	effective	ADJ
cjfa-20691	25	33	and	and	CCONJ
cjfa-20691	25	34	accessible	accessible	ADJ
cjfa-20691	25	35	to	to	ADP
cjfa-20691	25	36	the	the	DET
cjfa-20691	25	37	majority	majority	NOUN
cjfa-20691	25	38	of	of	ADP
cjfa-20691	25	39	the	the	DET
cjfa-20691	25	40	population	population	NOUN
cjfa-20691	25	41	(	(	PUNCT
cjfa-20691	25	42	polasik	polasik	NOUN
cjfa-20691	25	43	,	,	PUNCT
cjfa-20691	25	44	2013	2013	NUM
cjfa-20691	25	45	,	,	PUNCT
cjfa-20691	25	46	pp	pp	ADJ
cjfa-20691	25	47	.	.	PUNCT
cjfa-20691	26	1	146–148	146–148	NUM
cjfa-20691	26	2	)	)	PUNCT
cjfa-20691	26	3	.	.	PUNCT
cjfa-20691	27	1	this	this	PRON
cjfa-20691	27	2	stems	stem	VERB
cjfa-20691	27	3	from	from	ADP
cjfa-20691	27	4	the	the	DET
cjfa-20691	27	5	fact	fact	NOUN
cjfa-20691	27	6	that	that	SCONJ
cjfa-20691	27	7	mobile	mobile	ADJ
cjfa-20691	27	8	banking	banking	NOUN
cjfa-20691	27	9	was	be	AUX
cjfa-20691	27	10	and	and	CCONJ
cjfa-20691	27	11	still	still	ADV
cjfa-20691	27	12	is	be	AUX
cjfa-20691	27	13	closely	closely	ADV
cjfa-20691	27	14	related	relate	VERB
cjfa-20691	27	15	to	to	ADP
cjfa-20691	27	16	the	the	DET
cjfa-20691	27	17	development	development	NOUN
cjfa-20691	27	18	and	and	CCONJ
cjfa-20691	27	19	access	access	NOUN
cjfa-20691	27	20	to	to	ADP
cjfa-20691	27	21	new	new	ADJ
cjfa-20691	27	22	technologies	technology	NOUN
cjfa-20691	27	23	,	,	PUNCT
cjfa-20691	27	24	i.e.	i.e.	X
cjfa-20691	27	25	hardware	hardware	NOUN
cjfa-20691	27	26	and	and	CCONJ
cjfa-20691	27	27	system	system	NOUN
cjfa-20691	27	28	solutions	solution	NOUN
cjfa-20691	27	29	that	that	PRON
cjfa-20691	27	30	create	create	VERB
cjfa-20691	27	31	opportunities	opportunity	NOUN
cjfa-20691	27	32	for	for	ADP
cjfa-20691	27	33	the	the	DET
cjfa-20691	27	34	development	development	NOUN
cjfa-20691	27	35	of	of	ADP
cjfa-20691	27	36	a	a	DET
cjfa-20691	27	37	mobile	mobile	ADJ
cjfa-20691	27	38	channel	channel	NOUN
cjfa-20691	27	39	of	of	ADP
cjfa-20691	27	40	interaction	interaction	NOUN
cjfa-20691	27	41	with	with	ADP
cjfa-20691	27	42	the	the	DET
cjfa-20691	27	43	bank	bank	NOUN
cjfa-20691	27	44	(	(	PUNCT
cjfa-20691	27	45	kuchciak	kuchciak	PROPN
cjfa-20691	27	46	,	,	PUNCT
cjfa-20691	27	47	2012	2012	NUM
cjfa-20691	27	48	,	,	PUNCT
cjfa-20691	27	49	pp	pp	ADJ
cjfa-20691	27	50	.	.	PUNCT
cjfa-20691	28	1	477–478	477–478	NUM
cjfa-20691	28	2	)	)	PUNCT
cjfa-20691	28	3	.	.	PUNCT
cjfa-20691	29	1	internet	internet	NOUN
cjfa-20691	29	2	banking	banking	NOUN
cjfa-20691	29	3	in	in	ADP
cjfa-20691	29	4	poland	poland	PROPN
cjfa-20691	29	5	is	be	AUX
cjfa-20691	29	6	functioning	function	VERB
cjfa-20691	29	7	since	since	SCONJ
cjfa-20691	29	8	the	the	DET
cjfa-20691	29	9	end	end	NOUN
cjfa-20691	29	10	of	of	ADP
cjfa-20691	29	11	the	the	DET
cjfa-20691	29	12	nineties	ninety	NOUN
cjfa-20691	29	13	,	,	PUNCT
cjfa-20691	29	14	(	(	PUNCT
cjfa-20691	29	15	wojtacka	wojtacka	NOUN
cjfa-20691	29	16	-	-	PUNCT
cjfa-20691	29	17	pawlak	pawlak	ADJ
cjfa-20691	29	18	,	,	PUNCT
cjfa-20691	29	19	2015	2015	NUM
cjfa-20691	29	20	,	,	PUNCT
cjfa-20691	29	21	p.	p.	NOUN
cjfa-20691	29	22	156	156	NUM
cjfa-20691	29	23	)	)	PUNCT
cjfa-20691	29	24	,	,	PUNCT
cjfa-20691	29	25	however	however	ADV
cjfa-20691	29	26	,	,	PUNCT
cjfa-20691	29	27	during	during	ADP
cjfa-20691	29	28	the	the	DET
cjfa-20691	29	29	next	next	ADJ
cjfa-20691	29	30	10	10	NUM
cjfa-20691	29	31	years	year	NOUN
cjfa-20691	29	32	,	,	PUNCT
cjfa-20691	29	33	its	its	PRON
cjfa-20691	29	34	popularization	popularization	NOUN
cjfa-20691	29	35	on	on	ADP
cjfa-20691	29	36	mobile	mobile	ADJ
cjfa-20691	29	37	devices	device	NOUN
cjfa-20691	29	38	was	be	AUX
cjfa-20691	29	39	constricted	constrict	VERB
cjfa-20691	29	40	because	because	SCONJ
cjfa-20691	29	41	it	it	PRON
cjfa-20691	29	42	required	require	VERB
cjfa-20691	29	43	a	a	DET
cjfa-20691	29	44	user	user	NOUN
cjfa-20691	29	45	-	-	PUNCT
cjfa-20691	29	46	friendly	friendly	ADJ
cjfa-20691	29	47	interface	interface	NOUN
cjfa-20691	29	48	.	.	PUNCT
cjfa-20691	30	1	after	after	ADP
cjfa-20691	30	2	many	many	ADJ
cjfa-20691	30	3	unsuccessful	unsuccessful	ADJ
cjfa-20691	30	4	attempts	attempt	NOUN
cjfa-20691	30	5	,	,	PUNCT
cjfa-20691	30	6	the	the	DET
cjfa-20691	30	7	breakthrough	breakthrough	ADJ
cjfa-20691	30	8	moment	moment	NOUN
cjfa-20691	30	9	for	for	ADP
cjfa-20691	30	10	mobile	mobile	ADJ
cjfa-20691	30	11	banking	banking	NOUN
cjfa-20691	30	12	in	in	ADP
cjfa-20691	30	13	poland	poland	PROPN
cjfa-20691	30	14	came	come	VERB
cjfa-20691	30	15	in	in	ADP
cjfa-20691	30	16	2009	2009	NUM
cjfa-20691	30	17	,	,	PUNCT
cjfa-20691	30	18	along	along	ADP
cjfa-20691	30	19	with	with	ADP
cjfa-20691	30	20	the	the	DET
cjfa-20691	30	21	popularization	popularization	NOUN
cjfa-20691	30	22	of	of	ADP
cjfa-20691	30	23	mobile	mobile	ADJ
cjfa-20691	30	24	application	application	NOUN
cjfa-20691	30	25	technologies	technology	NOUN
cjfa-20691	30	26	and	and	CCONJ
cjfa-20691	30	27	its	its	PRON
cjfa-20691	30	28	implementation	implementation	NOUN
cjfa-20691	30	29	in	in	ADP
cjfa-20691	30	30	the	the	DET
cjfa-20691	30	31	area	area	NOUN
cjfa-20691	30	32	of	of	ADP
cjfa-20691	30	33	banking	banking	NOUN
cjfa-20691	30	34	item	item	NOUN
cjfa-20691	30	35	.	.	PUNCT
cjfa-20691	31	1	together	together	ADV
cjfa-20691	31	2	with	with	ADP
cjfa-20691	31	3	growing	grow	VERB
cjfa-20691	31	4	interest	interest	NOUN
cjfa-20691	31	5	in	in	ADP
cjfa-20691	31	6	using	use	VERB
cjfa-20691	31	7	mobile	mobile	ADJ
cjfa-20691	31	8	banking	banking	NOUN
cjfa-20691	31	9	services	service	NOUN
cjfa-20691	31	10	among	among	ADP
cjfa-20691	31	11	consumers	consumer	NOUN
cjfa-20691	31	12	,	,	PUNCT
cjfa-20691	31	13	more	more	ADJ
cjfa-20691	31	14	and	and	CCONJ
cjfa-20691	31	15	more	more	ADJ
cjfa-20691	31	16	banks	bank	NOUN
cjfa-20691	31	17	began	begin	VERB
cjfa-20691	31	18	to	to	PART
cjfa-20691	31	19	offer	offer	VERB
cjfa-20691	31	20	mobile	mobile	ADJ
cjfa-20691	31	21	applications	application	NOUN
cjfa-20691	31	22	developed	develop	VERB
cjfa-20691	31	23	especially	especially	ADV
cjfa-20691	31	24	for	for	ADP
cjfa-20691	31	25	this	this	DET
cjfa-20691	31	26	purpose	purpose	NOUN
cjfa-20691	31	27	(	(	PUNCT
cjfa-20691	31	28	bolibok	bolibok	PROPN
cjfa-20691	31	29	&	&	CCONJ
cjfa-20691	31	30	matras	matras	PROPN
cjfa-20691	31	31	-	-	PUNCT
cjfa-20691	31	32	bolibok	bolibok	PROPN
cjfa-20691	31	33	,	,	PUNCT
cjfa-20691	31	34	2014	2014	NUM
cjfa-20691	31	35	,	,	PUNCT
cjfa-20691	31	36	pp	pp	ADJ
cjfa-20691	31	37	.	.	PUNCT
cjfa-20691	32	1	9–10	9–10	NOUN
cjfa-20691	32	2	)	)	PUNCT
cjfa-20691	32	3	.	.	PUNCT
cjfa-20691	33	1	currently	currently	ADV
cjfa-20691	33	2	,	,	PUNCT
cjfa-20691	33	3	smartphones	smartphone	NOUN
cjfa-20691	33	4	and	and	CCONJ
cjfa-20691	33	5	other	other	ADJ
cjfa-20691	33	6	mobile	mobile	ADJ
cjfa-20691	33	7	devices	device	NOUN
cjfa-20691	33	8	are	be	AUX
cjfa-20691	33	9	characterized	characterize	VERB
cjfa-20691	33	10	by	by	ADP
cjfa-20691	33	11	high	high	ADJ
cjfa-20691	33	12	availability	availability	NOUN
cjfa-20691	33	13	on	on	ADP
cjfa-20691	33	14	the	the	DET
cjfa-20691	33	15	market	market	NOUN
cjfa-20691	33	16	,	,	PUNCT
cjfa-20691	33	17	and	and	CCONJ
cjfa-20691	33	18	their	their	PRON
cjfa-20691	33	19	popularization	popularization	NOUN
cjfa-20691	33	20	along	along	ADP
cjfa-20691	33	21	with	with	ADP
cjfa-20691	33	22	expansion	expansion	NOUN
cjfa-20691	33	23	of	of	ADP
cjfa-20691	33	24	the	the	DET
cjfa-20691	33	25	mobile	mobile	ADJ
cjfa-20691	33	26	internet	internet	NOUN
cjfa-20691	33	27	is	be	AUX
cjfa-20691	33	28	generating	generate	VERB
cjfa-20691	33	29	huge	huge	ADJ
cjfa-20691	33	30	potential	potential	NOUN
cjfa-20691	33	31	for	for	ADP
cjfa-20691	33	32	the	the	DET
cjfa-20691	33	33	the	the	DET
cjfa-20691	33	34	usage	usage	NOUN
cjfa-20691	33	35	of	of	ADP
cjfa-20691	33	36	mobile	mobile	ADJ
cjfa-20691	33	37	banking	banking	NOUN
cjfa-20691	33	38	applications	application	NOUN
cjfa-20691	33	39	in	in	ADP
cjfa-20691	33	40	poland	poland	PROPN
cjfa-20691	33	41	…	…	PUNCT
cjfa-20691	33	42	11	11	NUM
cjfa-20691	33	43	development	development	NOUN
cjfa-20691	33	44	of	of	ADP
cjfa-20691	33	45	mobile	mobile	ADJ
cjfa-20691	33	46	banking	banking	NOUN
cjfa-20691	33	47	.	.	PUNCT
cjfa-20691	34	1	it	it	PRON
cjfa-20691	34	2	is	be	AUX
cjfa-20691	34	3	therefore	therefore	ADV
cjfa-20691	34	4	reasonable	reasonable	ADJ
cjfa-20691	34	5	to	to	PART
cjfa-20691	34	6	examine	examine	VERB
cjfa-20691	34	7	the	the	DET
cjfa-20691	34	8	present	present	ADJ
cjfa-20691	34	9	role	role	NOUN
cjfa-20691	34	10	of	of	ADP
cjfa-20691	34	11	this	this	DET
cjfa-20691	34	12	communication	communication	NOUN
cjfa-20691	34	13	channel	channel	NOUN
cjfa-20691	34	14	in	in	ADP
cjfa-20691	34	15	the	the	DET
cjfa-20691	34	16	provision	provision	NOUN
cjfa-20691	34	17	of	of	ADP
cjfa-20691	34	18	banking	banking	NOUN
cjfa-20691	34	19	services	service	NOUN
cjfa-20691	34	20	in	in	ADP
cjfa-20691	34	21	poland	poland	PROPN
cjfa-20691	34	22	.	.	PUNCT
cjfa-20691	35	1	the	the	DET
cjfa-20691	35	2	research	research	NOUN
cjfa-20691	35	3	methodology	methodology	NOUN
cjfa-20691	35	4	and	and	CCONJ
cjfa-20691	35	5	the	the	DET
cjfa-20691	35	6	course	course	NOUN
cjfa-20691	35	7	of	of	ADP
cjfa-20691	35	8	the	the	DET
cjfa-20691	35	9	research	research	NOUN
cjfa-20691	35	10	process	process	NOUN
cjfa-20691	35	11	the	the	DET
cjfa-20691	35	12	purpose	purpose	NOUN
cjfa-20691	35	13	of	of	ADP
cjfa-20691	35	14	this	this	DET
cjfa-20691	35	15	article	article	NOUN
cjfa-20691	35	16	is	be	AUX
cjfa-20691	35	17	to	to	PART
cjfa-20691	35	18	determine	determine	VERB
cjfa-20691	35	19	the	the	DET
cjfa-20691	35	20	scope	scope	NOUN
cjfa-20691	35	21	of	of	ADP
cjfa-20691	35	22	use	use	NOUN
cjfa-20691	35	23	of	of	ADP
cjfa-20691	35	24	mobile	mobile	ADJ
cjfa-20691	35	25	applications	application	NOUN
cjfa-20691	35	26	by	by	ADP
cjfa-20691	35	27	retail	retail	ADJ
cjfa-20691	35	28	banking	banking	NOUN
cjfa-20691	35	29	customers	customer	NOUN
cjfa-20691	35	30	in	in	ADP
cjfa-20691	35	31	poland	poland	PROPN
cjfa-20691	35	32	.	.	PUNCT
cjfa-20691	36	1	this	this	DET
cjfa-20691	36	2	paper	paper	NOUN
cjfa-20691	36	3	addresses	address	VERB
cjfa-20691	36	4	the	the	DET
cjfa-20691	36	5	following	follow	VERB
cjfa-20691	36	6	research	research	NOUN
cjfa-20691	36	7	questions	question	NOUN
cjfa-20691	36	8	:	:	PUNCT
cjfa-20691	36	9	■	■	PUNCT
cjfa-20691	36	10	how	how	SCONJ
cjfa-20691	36	11	popular	popular	ADJ
cjfa-20691	36	12	are	be	AUX
cjfa-20691	36	13	mobile	mobile	ADJ
cjfa-20691	36	14	banking	banking	NOUN
cjfa-20691	36	15	applications	application	NOUN
cjfa-20691	36	16	and	and	CCONJ
cjfa-20691	36	17	how	how	SCONJ
cjfa-20691	36	18	often	often	ADV
cjfa-20691	36	19	they	they	PRON
cjfa-20691	36	20	are	be	AUX
cjfa-20691	36	21	used	use	VERB
cjfa-20691	36	22	by	by	ADP
cjfa-20691	36	23	customers	customer	NOUN
cjfa-20691	36	24	?	?	PUNCT
cjfa-20691	37	1	■	■	PUNCT
cjfa-20691	37	2	which	which	DET
cjfa-20691	37	3	banking	banking	NOUN
cjfa-20691	37	4	services	service	NOUN
cjfa-20691	37	5	are	be	AUX
cjfa-20691	37	6	performed	perform	VERB
cjfa-20691	37	7	by	by	ADP
cjfa-20691	37	8	mobile	mobile	ADJ
cjfa-20691	37	9	banking	banking	NOUN
cjfa-20691	37	10	applications	application	NOUN
cjfa-20691	37	11	?	?	PUNCT
cjfa-20691	38	1	■	■	PUNCT
cjfa-20691	38	2	how	how	SCONJ
cjfa-20691	38	3	internet	internet	NOUN
cjfa-20691	38	4	users	user	NOUN
cjfa-20691	38	5	perceive	perceive	VERB
cjfa-20691	38	6	mobile	mobile	ADJ
cjfa-20691	38	7	banking	banking	NOUN
cjfa-20691	38	8	applications	application	NOUN
cjfa-20691	38	9	and	and	CCONJ
cjfa-20691	38	10	what	what	PRON
cjfa-20691	38	11	is	be	AUX
cjfa-20691	38	12	the	the	DET
cjfa-20691	38	13	level	level	NOUN
cjfa-20691	38	14	of	of	ADP
cjfa-20691	38	15	their	their	PRON
cjfa-20691	38	16	satisfaction	satisfaction	NOUN
cjfa-20691	38	17	?	?	PUNCT
cjfa-20691	39	1	the	the	DET
cjfa-20691	39	2	theoretical	theoretical	ADJ
cjfa-20691	39	3	part	part	NOUN
cjfa-20691	39	4	of	of	ADP
cjfa-20691	39	5	this	this	DET
cjfa-20691	39	6	article	article	NOUN
cjfa-20691	39	7	is	be	AUX
cjfa-20691	39	8	based	base	VERB
cjfa-20691	39	9	on	on	ADP
cjfa-20691	39	10	polish	polish	ADJ
cjfa-20691	39	11	and	and	CCONJ
cjfa-20691	39	12	foreign	foreign	ADJ
cjfa-20691	39	13	subject	subject	NOUN
cjfa-20691	39	14	literature	literature	NOUN
cjfa-20691	39	15	as	as	ADV
cjfa-20691	39	16	well	well	ADV
cjfa-20691	39	17	as	as	ADP
cjfa-20691	39	18	numerous	numerous	ADJ
cjfa-20691	39	19	professional	professional	ADJ
cjfa-20691	39	20	expert	expert	NOUN
cjfa-20691	39	21	studies	study	NOUN
cjfa-20691	39	22	,	,	PUNCT
cjfa-20691	39	23	including	include	VERB
cjfa-20691	39	24	reports	report	NOUN
cjfa-20691	39	25	from	from	ADP
cjfa-20691	39	26	the	the	DET
cjfa-20691	39	27	polish	polish	PROPN
cjfa-20691	39	28	bank	bank	PROPN
cjfa-20691	39	29	association	association	PROPN
cjfa-20691	39	30	and	and	CCONJ
cjfa-20691	39	31	the	the	DET
cjfa-20691	39	32	industry	industry	NOUN
cjfa-20691	39	33	portal	portal	PROPN
cjfa-20691	39	34	prnews.pl	prnews.pl	PROPN
cjfa-20691	39	35	.	.	PUNCT
cjfa-20691	40	1	the	the	DET
cjfa-20691	40	2	empirical	empirical	ADJ
cjfa-20691	40	3	part	part	NOUN
cjfa-20691	40	4	of	of	ADP
cjfa-20691	40	5	this	this	DET
cjfa-20691	40	6	paper	paper	NOUN
cjfa-20691	40	7	,	,	PUNCT
cjfa-20691	40	8	including	include	VERB
cjfa-20691	40	9	the	the	DET
cjfa-20691	40	10	analysis	analysis	NOUN
cjfa-20691	40	11	of	of	ADP
cjfa-20691	40	12	the	the	DET
cjfa-20691	40	13	use	use	NOUN
cjfa-20691	40	14	and	and	CCONJ
cjfa-20691	40	15	perception	perception	NOUN
cjfa-20691	40	16	of	of	ADP
cjfa-20691	40	17	mobile	mobile	ADJ
cjfa-20691	40	18	banking	banking	NOUN
cjfa-20691	40	19	applications	application	NOUN
cjfa-20691	40	20	,	,	PUNCT
cjfa-20691	40	21	is	be	AUX
cjfa-20691	40	22	based	base	VERB
cjfa-20691	40	23	on	on	ADP
cjfa-20691	40	24	the	the	DET
cjfa-20691	40	25	results	result	NOUN
cjfa-20691	40	26	of	of	ADP
cjfa-20691	40	27	own	own	ADJ
cjfa-20691	40	28	survey	survey	NOUN
cjfa-20691	40	29	study	study	NOUN
cjfa-20691	40	30	,	,	PUNCT
cjfa-20691	40	31	which	which	DET
cjfa-20691	40	32	questionnaire	questionnaire	NOUN
cjfa-20691	40	33	was	be	AUX
cjfa-20691	40	34	elaborated	elaborate	VERB
cjfa-20691	40	35	with	with	ADP
cjfa-20691	40	36	the	the	DET
cjfa-20691	40	37	use	use	NOUN
cjfa-20691	40	38	of	of	ADP
cjfa-20691	40	39	the	the	DET
cjfa-20691	40	40	technology	technology	NOUN
cjfa-20691	40	41	acceptance	acceptance	NOUN
cjfa-20691	40	42	model	model	NOUN
cjfa-20691	40	43	research	research	NOUN
cjfa-20691	40	44	framework	framework	NOUN
cjfa-20691	40	45	(	(	PUNCT
cjfa-20691	40	46	davis	davis	PROPN
cjfa-20691	40	47	,	,	PUNCT
cjfa-20691	40	48	1989	1989	NUM
cjfa-20691	40	49	)	)	PUNCT
cjfa-20691	40	50	.	.	PUNCT
cjfa-20691	41	1	the	the	DET
cjfa-20691	41	2	survey	survey	NOUN
cjfa-20691	41	3	was	be	AUX
cjfa-20691	41	4	carried	carry	VERB
cjfa-20691	41	5	out	out	ADP
cjfa-20691	41	6	by	by	ADP
cjfa-20691	41	7	cawi	cawi	NOUN
cjfa-20691	41	8	(	(	PUNCT
cjfa-20691	41	9	computer	computer	NOUN
cjfa-20691	41	10	assisted	assist	VERB
cjfa-20691	41	11	web	web	NOUN
cjfa-20691	41	12	interview	interview	NOUN
cjfa-20691	41	13	)	)	PUNCT
cjfa-20691	41	14	method	method	NOUN
cjfa-20691	41	15	in	in	ADP
cjfa-20691	41	16	december	december	PROPN
cjfa-20691	41	17	2018	2018	NUM
cjfa-20691	41	18	on	on	ADP
cjfa-20691	41	19	a	a	DET
cjfa-20691	41	20	sample	sample	NOUN
cjfa-20691	41	21	of	of	ADP
cjfa-20691	41	22	1012	1012	NUM
cjfa-20691	41	23	polish	polish	ADJ
cjfa-20691	41	24	internet	internet	NOUN
cjfa-20691	41	25	users	user	NOUN
cjfa-20691	41	26	.	.	PUNCT
cjfa-20691	42	1	the	the	DET
cjfa-20691	42	2	selection	selection	NOUN
cjfa-20691	42	3	of	of	ADP
cjfa-20691	42	4	the	the	DET
cjfa-20691	42	5	sample	sample	NOUN
cjfa-20691	42	6	and	and	CCONJ
cjfa-20691	42	7	the	the	DET
cjfa-20691	42	8	process	process	NOUN
cjfa-20691	42	9	of	of	ADP
cjfa-20691	42	10	collecting	collect	VERB
cjfa-20691	42	11	the	the	DET
cjfa-20691	42	12	responses	response	NOUN
cjfa-20691	42	13	were	be	AUX
cjfa-20691	42	14	conducted	conduct	VERB
cjfa-20691	42	15	within	within	ADP
cjfa-20691	42	16	a	a	DET
cjfa-20691	42	17	dedicated	dedicated	ADJ
cjfa-20691	42	18	system	system	NOUN
cjfa-20691	42	19	by	by	ADP
cjfa-20691	42	20	the	the	DET
cjfa-20691	42	21	ircenter	ircenter	PROPN
cjfa-20691	42	22	agency	agency	NOUN
cjfa-20691	42	23	.	.	PUNCT
cjfa-20691	43	1	there	there	PRON
cjfa-20691	43	2	was	be	VERB
cjfa-20691	43	3	a	a	DET
cjfa-20691	43	4	random	random	ADJ
cjfa-20691	43	5	selection	selection	NOUN
cjfa-20691	43	6	of	of	ADP
cjfa-20691	43	7	respondents	respondent	NOUN
cjfa-20691	43	8	and	and	CCONJ
cjfa-20691	43	9	the	the	DET
cjfa-20691	43	10	study	study	NOUN
cjfa-20691	43	11	is	be	AUX
cjfa-20691	43	12	representative	representative	ADJ
cjfa-20691	43	13	on	on	ADP
cjfa-20691	43	14	a	a	DET
cjfa-20691	43	15	national	national	ADJ
cjfa-20691	43	16	scale	scale	NOUN
cjfa-20691	43	17	in	in	ADP
cjfa-20691	43	18	terms	term	NOUN
cjfa-20691	43	19	of	of	ADP
cjfa-20691	43	20	gender	gender	NOUN
cjfa-20691	43	21	,	,	PUNCT
cjfa-20691	43	22	age	age	NOUN
cjfa-20691	43	23	,	,	PUNCT
cjfa-20691	43	24	and	and	CCONJ
cjfa-20691	43	25	place	place	NOUN
cjfa-20691	43	26	of	of	ADP
cjfa-20691	43	27	residence	residence	NOUN
cjfa-20691	43	28	.	.	PUNCT
cjfa-20691	44	1	mobile	mobile	ADJ
cjfa-20691	44	2	banking	banking	PROPN
cjfa-20691	44	3	mobile	mobile	ADJ
cjfa-20691	44	4	banking	banking	NOUN
cjfa-20691	44	5	,	,	PUNCT
cjfa-20691	44	6	gaining	gain	VERB
cjfa-20691	44	7	very	very	ADV
cjfa-20691	44	8	fast	fast	ADJ
cjfa-20691	44	9	popularity	popularity	NOUN
cjfa-20691	44	10	on	on	ADP
cjfa-20691	44	11	the	the	DET
cjfa-20691	44	12	polish	polish	ADJ
cjfa-20691	44	13	payment	payment	NOUN
cjfa-20691	44	14	services	service	NOUN
cjfa-20691	44	15	market	market	NOUN
cjfa-20691	44	16	,	,	PUNCT
cjfa-20691	44	17	has	have	AUX
cjfa-20691	44	18	been	be	AUX
cjfa-20691	44	19	characterized	characterize	VERB
cjfa-20691	44	20	by	by	ADP
cjfa-20691	44	21	many	many	ADJ
cjfa-20691	44	22	specialists	specialist	NOUN
cjfa-20691	44	23	who	who	PRON
cjfa-20691	44	24	in	in	ADP
cjfa-20691	44	25	their	their	PRON
cjfa-20691	44	26	definitions	definition	NOUN
cjfa-20691	44	27	chose	choose	VERB
cjfa-20691	44	28	different	different	ADJ
cjfa-20691	44	29	approaches	approach	NOUN
cjfa-20691	44	30	to	to	ADP
cjfa-20691	44	31	the	the	DET
cjfa-20691	44	32	issue	issue	NOUN
cjfa-20691	44	33	.	.	PUNCT
cjfa-20691	45	1	according	accord	VERB
cjfa-20691	45	2	to	to	ADP
cjfa-20691	45	3	k.	k.	PROPN
cjfa-20691	45	4	zarańska	zarańska	PROPN
cjfa-20691	45	5	and	and	CCONJ
cjfa-20691	45	6	m.	m.	NOUN
cjfa-20691	45	7	zborowski	zborowski	NOUN
cjfa-20691	45	8	(	(	PUNCT
cjfa-20691	45	9	2018	2018	NUM
cjfa-20691	45	10	,	,	PUNCT
cjfa-20691	45	11	p.	p.	NOUN
cjfa-20691	45	12	18	18	NUM
cjfa-20691	45	13	)	)	PUNCT
cjfa-20691	45	14	,	,	PUNCT
cjfa-20691	45	15	“	"	PUNCT
cjfa-20691	45	16	mobile	mobile	ADJ
cjfa-20691	45	17	banking	banking	NOUN
cjfa-20691	45	18	,	,	PUNCT
cjfa-20691	45	19	abbreviated	abbreviate	VERB
cjfa-20691	45	20	as	as	ADP
cjfa-20691	45	21	m	m	NOUN
cjfa-20691	45	22	-	-	NOUN
cjfa-20691	45	23	banking	banking	NOUN
cjfa-20691	45	24	,	,	PUNCT
cjfa-20691	45	25	could	could	AUX
cjfa-20691	45	26	be	be	AUX
cjfa-20691	45	27	defined	define	VERB
cjfa-20691	45	28	as	as	ADP
cjfa-20691	45	29	the	the	DET
cjfa-20691	45	30	use	use	NOUN
cjfa-20691	45	31	of	of	ADP
cjfa-20691	45	32	banking	banking	NOUN
cjfa-20691	45	33	services	service	NOUN
cjfa-20691	45	34	with	with	ADP
cjfa-20691	45	35	the	the	DET
cjfa-20691	45	36	aid	aid	NOUN
cjfa-20691	45	37	of	of	ADP
cjfa-20691	45	38	mobile	mobile	ADJ
cjfa-20691	45	39	devices	device	NOUN
cjfa-20691	45	40	,	,	PUNCT
cjfa-20691	45	41	i.e.	i.e.	X
cjfa-20691	45	42	smartphones	smartphone	NOUN
cjfa-20691	45	43	or	or	CCONJ
cjfa-20691	45	44	tablets	tablet	NOUN
cjfa-20691	45	45	”	"	PUNCT
cjfa-20691	45	46	.	.	PUNCT
cjfa-20691	46	1	i.	i.	PROPN
cjfa-20691	46	2	kuchciak	kuchciak	PROPN
cjfa-20691	46	3	(	(	PUNCT
cjfa-20691	46	4	2012	2012	NUM
cjfa-20691	46	5	,	,	PUNCT
cjfa-20691	46	6	p.	p.	NOUN
cjfa-20691	46	7	470	470	NUM
cjfa-20691	46	8	)	)	PUNCT
cjfa-20691	46	9	notes	note	VERB
cjfa-20691	46	10	further	far	ADV
cjfa-20691	46	11	that	that	SCONJ
cjfa-20691	46	12	“	"	PUNCT
cjfa-20691	46	13	mobile	mobile	ADJ
cjfa-20691	46	14	banking	banking	NOUN
cjfa-20691	46	15	is	be	AUX
cjfa-20691	46	16	currently	currently	ADV
cjfa-20691	46	17	the	the	DET
cjfa-20691	46	18	most	most	ADV
cjfa-20691	46	19	modern	modern	ADJ
cjfa-20691	46	20	approach	approach	NOUN
cjfa-20691	46	21	to	to	ADP
cjfa-20691	46	22	the	the	DET
cjfa-20691	46	23	provision	provision	NOUN
cjfa-20691	46	24	of	of	ADP
cjfa-20691	46	25	banking	banking	NOUN
cjfa-20691	46	26	services	service	NOUN
cjfa-20691	46	27	,	,	PUNCT
cjfa-20691	46	28	integrating	integrate	VERB
cjfa-20691	46	29	the	the	DET
cjfa-20691	46	30	bank	bank	NOUN
cjfa-20691	46	31	with	with	ADP
cjfa-20691	46	32	telecommunications	telecommunications	NOUN
cjfa-20691	46	33	services	service	NOUN
cjfa-20691	46	34	.	.	PUNCT
cjfa-20691	46	35	”	"	PUNCT
cjfa-20691	47	1	in	in	ADP
cjfa-20691	47	2	addition	addition	NOUN
cjfa-20691	47	3	,	,	PUNCT
cjfa-20691	47	4	mikołaj	mikołaj	NOUN
cjfa-20691	47	5	borowski	borowski	NOUN
cjfa-20691	47	6	-	-	PUNCT
cjfa-20691	47	7	beszta	beszta	ADJ
cjfa-20691	47	8	,	,	PUNCT
cjfa-20691	47	9	anna	anna	PROPN
cjfa-20691	47	10	kiermas12	kiermas12	PROPN
cjfa-20691	47	11	mobile	mobile	PROPN
cjfa-20691	47	12	banking	banking	NOUN
cjfa-20691	47	13	is	be	AUX
cjfa-20691	47	14	“	"	PUNCT
cjfa-20691	47	15	one	one	NUM
cjfa-20691	47	16	such	such	ADJ
cjfa-20691	47	17	convergence	convergence	NOUN
cjfa-20691	47	18	service	service	NOUN
cjfa-20691	47	19	that	that	PRON
cjfa-20691	47	20	brings	bring	VERB
cjfa-20691	47	21	together	together	ADV
cjfa-20691	47	22	hitherto	hitherto	VERB
cjfa-20691	47	23	unconnected	unconnected	ADJ
cjfa-20691	47	24	industries	industry	NOUN
cjfa-20691	47	25	–	–	PUNCT
cjfa-20691	47	26	banking	banking	NOUN
cjfa-20691	47	27	and	and	CCONJ
cjfa-20691	47	28	mobile	mobile	NOUN
cjfa-20691	47	29	operators	operator	NOUN
cjfa-20691	47	30	–	–	PUNCT
cjfa-20691	47	31	to	to	PART
cjfa-20691	47	32	offer	offer	VERB
cjfa-20691	47	33	value	value	NOUN
cjfa-20691	47	34	added	add	VERB
cjfa-20691	47	35	services	service	NOUN
cjfa-20691	47	36	to	to	ADP
cjfa-20691	47	37	their	their	PRON
cjfa-20691	47	38	respective	respective	ADJ
cjfa-20691	47	39	customers	customer	NOUN
cjfa-20691	47	40	”	"	PUNCT
cjfa-20691	47	41	(	(	PUNCT
cjfa-20691	47	42	lee	lee	PROPN
cjfa-20691	47	43	,	,	PUNCT
cjfa-20691	47	44	harindranath	harindranath	NOUN
cjfa-20691	47	45	,	,	PUNCT
cjfa-20691	47	46	oh	oh	INTJ
cjfa-20691	47	47	&	&	CCONJ
cjfa-20691	47	48	kim	kim	PROPN
cjfa-20691	47	49	,	,	PUNCT
cjfa-20691	47	50	2015	2015	NUM
cjfa-20691	47	51	,	,	PUNCT
cjfa-20691	47	52	p.	p.	NOUN
cjfa-20691	47	53	552	552	NUM
cjfa-20691	47	54	)	)	PUNCT
cjfa-20691	47	55	,	,	PUNCT
cjfa-20691	47	56	moreover	moreover	ADV
cjfa-20691	47	57	“	"	PUNCT
cjfa-20691	47	58	the	the	DET
cjfa-20691	47	59	application	application	NOUN
cjfa-20691	47	60	itself	itself	PRON
cjfa-20691	47	61	can	can	AUX
cjfa-20691	47	62	completely	completely	ADV
cjfa-20691	47	63	replace	replace	VERB
cjfa-20691	47	64	banking	banking	NOUN
cjfa-20691	47	65	operations	operation	NOUN
cjfa-20691	47	66	performed	perform	VERB
cjfa-20691	47	67	using	use	VERB
cjfa-20691	47	68	a	a	DET
cjfa-20691	47	69	classic	classic	ADJ
cjfa-20691	47	70	browser	browser	NOUN
cjfa-20691	47	71	”	"	PUNCT
cjfa-20691	47	72	(	(	PUNCT
cjfa-20691	47	73	zakonnik	zakonnik	X
cjfa-20691	47	74	&	&	CCONJ
cjfa-20691	47	75	dembowski	dembowski	NOUN
cjfa-20691	47	76	,	,	PUNCT
cjfa-20691	47	77	2018	2018	NUM
cjfa-20691	47	78	,	,	PUNCT
cjfa-20691	47	79	p.	p.	NOUN
cjfa-20691	47	80	109	109	NUM
cjfa-20691	47	81	)	)	PUNCT
cjfa-20691	47	82	.	.	PUNCT
cjfa-20691	48	1	from	from	ADP
cjfa-20691	48	2	the	the	DET
cjfa-20691	48	3	bank	bank	NOUN
cjfa-20691	48	4	’s	’s	PART
cjfa-20691	48	5	perspective	perspective	NOUN
cjfa-20691	48	6	,	,	PUNCT
cjfa-20691	48	7	through	through	ADP
cjfa-20691	48	8	the	the	DET
cjfa-20691	48	9	introduction	introduction	NOUN
cjfa-20691	48	10	of	of	ADP
cjfa-20691	48	11	mobile	mobile	ADJ
cjfa-20691	48	12	banking	banking	NOUN
cjfa-20691	48	13	services	service	NOUN
cjfa-20691	48	14	,	,	PUNCT
cjfa-20691	48	15	banks	bank	NOUN
cjfa-20691	48	16	want	want	VERB
cjfa-20691	48	17	to	to	PART
cjfa-20691	48	18	provide	provide	VERB
cjfa-20691	48	19	the	the	DET
cjfa-20691	48	20	client	client	NOUN
cjfa-20691	48	21	with	with	ADP
cjfa-20691	48	22	a	a	DET
cjfa-20691	48	23	better	well	ADJ
cjfa-20691	48	24	and	and	CCONJ
cjfa-20691	48	25	more	more	ADV
cjfa-20691	48	26	effective	effective	ADJ
cjfa-20691	48	27	communication	communication	NOUN
cjfa-20691	48	28	channel	channel	NOUN
cjfa-20691	48	29	(	(	PUNCT
cjfa-20691	48	30	alalwan	alalwan	PROPN
cjfa-20691	48	31	,	,	PUNCT
cjfa-20691	48	32	dwivedi	dwivedi	PROPN
cjfa-20691	48	33	,	,	PUNCT
cjfa-20691	48	34	rana	rana	PROPN
cjfa-20691	48	35	&	&	CCONJ
cjfa-20691	48	36	williams	williams	PROPN
cjfa-20691	48	37	,	,	PUNCT
cjfa-20691	48	38	2016	2016	NUM
cjfa-20691	48	39	,	,	PUNCT
cjfa-20691	48	40	p.	p.	NOUN
cjfa-20691	48	41	118	118	NUM
cjfa-20691	48	42	)	)	PUNCT
cjfa-20691	48	43	.	.	PUNCT
cjfa-20691	49	1	for	for	ADP
cjfa-20691	49	2	banks	bank	NOUN
cjfa-20691	49	3	the	the	DET
cjfa-20691	49	4	additional	additional	ADJ
cjfa-20691	49	5	advantage	advantage	NOUN
cjfa-20691	49	6	of	of	ADP
cjfa-20691	49	7	mobile	mobile	ADJ
cjfa-20691	49	8	banking	banking	NOUN
cjfa-20691	49	9	is	be	AUX
cjfa-20691	49	10	the	the	DET
cjfa-20691	49	11	ability	ability	NOUN
cjfa-20691	49	12	of	of	ADP
cjfa-20691	49	13	sending	send	VERB
cjfa-20691	49	14	personalized	personalized	ADJ
cjfa-20691	49	15	product	product	NOUN
cjfa-20691	49	16	offers	offer	VERB
cjfa-20691	49	17	or	or	CCONJ
cjfa-20691	49	18	conducting	conduct	VERB
cjfa-20691	49	19	other	other	ADJ
cjfa-20691	49	20	promotional	promotional	ADJ
cjfa-20691	49	21	campaigns	campaign	NOUN
cjfa-20691	49	22	that	that	PRON
cjfa-20691	49	23	strengthen	strengthen	VERB
cjfa-20691	49	24	the	the	DET
cjfa-20691	49	25	client	client	NOUN
cjfa-20691	49	26	’s	’s	PART
cjfa-20691	49	27	affiliation	affiliation	NOUN
cjfa-20691	49	28	to	to	ADP
cjfa-20691	49	29	a	a	DET
cjfa-20691	49	30	given	give	VERB
cjfa-20691	49	31	bank	bank	NOUN
cjfa-20691	49	32	(	(	PUNCT
cjfa-20691	49	33	bolibok	bolibok	PROPN
cjfa-20691	49	34	&	&	CCONJ
cjfa-20691	49	35	matras	matras	PROPN
cjfa-20691	49	36	-	-	PUNCT
cjfa-20691	49	37	bolibok	bolibok	PROPN
cjfa-20691	49	38	,	,	PUNCT
cjfa-20691	49	39	2014	2014	NUM
cjfa-20691	49	40	,	,	PUNCT
cjfa-20691	49	41	p.	p.	NOUN
cjfa-20691	49	42	16	16	NUM
cjfa-20691	49	43	)	)	PUNCT
cjfa-20691	49	44	.	.	PUNCT
cjfa-20691	50	1	for	for	ADP
cjfa-20691	50	2	the	the	DET
cjfa-20691	50	3	purpose	purpose	NOUN
cjfa-20691	50	4	of	of	ADP
cjfa-20691	50	5	this	this	DET
cjfa-20691	50	6	publication	publication	NOUN
cjfa-20691	50	7	,	,	PUNCT
cjfa-20691	50	8	the	the	DET
cjfa-20691	50	9	authors	author	NOUN
cjfa-20691	50	10	adopted	adopt	VERB
cjfa-20691	50	11	the	the	DET
cjfa-20691	50	12	definition	definition	NOUN
cjfa-20691	50	13	of	of	ADP
cjfa-20691	50	14	mobile	mobile	ADJ
cjfa-20691	50	15	banking	banking	NOUN
cjfa-20691	50	16	,	,	PUNCT
cjfa-20691	50	17	given	give	VERB
cjfa-20691	50	18	by	by	ADP
cjfa-20691	50	19	a.	a.	NOUN
cjfa-20691	50	20	a.	a.	NOUN
cjfa-20691	50	21	shaikh	shaikh	PROPN
cjfa-20691	50	22	and	and	CCONJ
cjfa-20691	50	23	h.	h.	PROPN
cjfa-20691	50	24	karjaluoto	karjaluoto	PROPN
cjfa-20691	50	25	(	(	PUNCT
cjfa-20691	50	26	2015	2015	NUM
cjfa-20691	50	27	,	,	PUNCT
cjfa-20691	50	28	p.	p.	NOUN
cjfa-20691	50	29	130	130	NUM
cjfa-20691	50	30	):	):	PUNCT
cjfa-20691	50	31	“	"	PUNCT
cjfa-20691	50	32	a	a	DET
cjfa-20691	50	33	product	product	NOUN
cjfa-20691	50	34	or	or	CCONJ
cjfa-20691	50	35	service	service	NOUN
cjfa-20691	50	36	offered	offer	VERB
cjfa-20691	50	37	by	by	ADP
cjfa-20691	50	38	a	a	DET
cjfa-20691	50	39	bank	bank	NOUN
cjfa-20691	50	40	or	or	CCONJ
cjfa-20691	50	41	a	a	DET
cjfa-20691	50	42	microfinance	microfinance	NOUN
cjfa-20691	50	43	institute	institute	NOUN
cjfa-20691	50	44	(	(	PUNCT
cjfa-20691	50	45	bank	bank	NOUN
cjfa-20691	50	46	-	-	PUNCT
cjfa-20691	50	47	led	lead	VERB
cjfa-20691	50	48	model	model	NOUN
cjfa-20691	50	49	)	)	PUNCT
cjfa-20691	50	50	or	or	CCONJ
cjfa-20691	50	51	mno	mno	PROPN
cjfa-20691	50	52	(	(	PUNCT
cjfa-20691	50	53	non	non	ADJ
cjfa-20691	50	54	-	-	ADJ
cjfa-20691	50	55	bank	bank	NOUN
cjfa-20691	50	56	-	-	PUNCT
cjfa-20691	50	57	led	lead	VERB
cjfa-20691	50	58	model	model	NOUN
cjfa-20691	50	59	)	)	PUNCT
cjfa-20691	50	60	for	for	ADP
cjfa-20691	50	61	conducting	conduct	VERB
cjfa-20691	50	62	financial	financial	ADJ
cjfa-20691	50	63	and	and	CCONJ
cjfa-20691	50	64	non	non	ADJ
cjfa-20691	50	65	-	-	ADJ
cjfa-20691	50	66	financial	financial	ADJ
cjfa-20691	50	67	transactions	transaction	NOUN
cjfa-20691	50	68	using	use	VERB
cjfa-20691	50	69	a	a	DET
cjfa-20691	50	70	mobile	mobile	ADJ
cjfa-20691	50	71	device	device	NOUN
cjfa-20691	50	72	,	,	PUNCT
cjfa-20691	50	73	namely	namely	ADV
cjfa-20691	50	74	a	a	DET
cjfa-20691	50	75	mobile	mobile	ADJ
cjfa-20691	50	76	phone	phone	NOUN
cjfa-20691	50	77	,	,	PUNCT
cjfa-20691	50	78	smartphone	smartphone	NOUN
cjfa-20691	50	79	,	,	PUNCT
cjfa-20691	50	80	or	or	CCONJ
cjfa-20691	50	81	tablet	tablet	NOUN
cjfa-20691	50	82	.	.	PUNCT
cjfa-20691	50	83	”	"	PUNCT
cjfa-20691	51	1	mobile	mobile	ADJ
cjfa-20691	51	2	banking	banking	NOUN
cjfa-20691	51	3	has	have	VERB
cjfa-20691	51	4	many	many	ADJ
cjfa-20691	51	5	features	feature	NOUN
cjfa-20691	51	6	among	among	ADP
cjfa-20691	51	7	which	which	PRON
cjfa-20691	51	8	there	there	PRON
cjfa-20691	51	9	could	could	AUX
cjfa-20691	51	10	be	be	AUX
cjfa-20691	51	11	distinguished	distinguish	VERB
cjfa-20691	51	12	both	both	CCONJ
cjfa-20691	51	13	positive	positive	ADJ
cjfa-20691	51	14	and	and	CCONJ
cjfa-20691	51	15	negative	negative	ADJ
cjfa-20691	51	16	ones	one	NOUN
cjfa-20691	51	17	.	.	PUNCT
cjfa-20691	52	1	the	the	DET
cjfa-20691	52	2	table	table	NOUN
cjfa-20691	52	3	1	1	NUM
cjfa-20691	52	4	lists	list	VERB
cjfa-20691	52	5	the	the	DET
cjfa-20691	52	6	particular	particular	ADJ
cjfa-20691	52	7	advantages	advantage	NOUN
cjfa-20691	52	8	and	and	CCONJ
cjfa-20691	52	9	weaknesses	weakness	NOUN
cjfa-20691	52	10	of	of	ADP
cjfa-20691	52	11	mobile	mobile	ADJ
cjfa-20691	52	12	banking	banking	NOUN
cjfa-20691	52	13	,	,	PUNCT
cjfa-20691	52	14	developed	develop	VERB
cjfa-20691	52	15	on	on	ADP
cjfa-20691	52	16	the	the	DET
cjfa-20691	52	17	basis	basis	NOUN
cjfa-20691	52	18	of	of	ADP
cjfa-20691	52	19	the	the	DET
cjfa-20691	52	20	available	available	ADJ
cjfa-20691	52	21	literature	literature	NOUN
cjfa-20691	52	22	on	on	ADP
cjfa-20691	52	23	the	the	DET
cjfa-20691	52	24	subject	subject	NOUN
cjfa-20691	52	25	.	.	PUNCT
cjfa-20691	53	1	in	in	ADP
cjfa-20691	53	2	addition	addition	NOUN
cjfa-20691	53	3	,	,	PUNCT
cjfa-20691	53	4	the	the	DET
cjfa-20691	53	5	advantages	advantage	NOUN
cjfa-20691	53	6	and	and	CCONJ
cjfa-20691	53	7	weaknesses	weakness	NOUN
cjfa-20691	53	8	are	be	AUX
cjfa-20691	53	9	selected	select	VERB
cjfa-20691	53	10	according	accord	VERB
cjfa-20691	53	11	to	to	ADP
cjfa-20691	53	12	the	the	DET
cjfa-20691	53	13	benefits	benefit	NOUN
cjfa-20691	53	14	of	of	ADP
cjfa-20691	53	15	customers	customer	NOUN
cjfa-20691	53	16	and	and	CCONJ
cjfa-20691	53	17	banks	bank	NOUN
cjfa-20691	53	18	.	.	PUNCT
cjfa-20691	54	1	mobile	mobile	ADJ
cjfa-20691	54	2	banking	banking	NOUN
cjfa-20691	54	3	is	be	AUX
cjfa-20691	54	4	characterized	characterize	VERB
cjfa-20691	54	5	by	by	ADP
cjfa-20691	54	6	high	high	ADJ
cjfa-20691	54	7	comfort	comfort	NOUN
cjfa-20691	54	8	of	of	ADP
cjfa-20691	54	9	use	use	NOUN
cjfa-20691	54	10	,	,	PUNCT
cjfa-20691	54	11	what	what	PRON
cjfa-20691	54	12	is	be	AUX
cjfa-20691	54	13	more	more	ADJ
cjfa-20691	54	14	,	,	PUNCT
cjfa-20691	54	15	the	the	DET
cjfa-20691	54	16	number	number	NOUN
cjfa-20691	54	17	of	of	ADP
cjfa-20691	54	18	functionalities	functionality	NOUN
cjfa-20691	54	19	available	available	ADJ
cjfa-20691	54	20	for	for	ADP
cjfa-20691	54	21	the	the	DET
cjfa-20691	54	22	customer	customer	NOUN
cjfa-20691	54	23	is	be	AUX
cjfa-20691	54	24	constantly	constantly	ADV
cjfa-20691	54	25	increasing	increase	VERB
cjfa-20691	54	26	.	.	PUNCT
cjfa-20691	55	1	the	the	DET
cjfa-20691	55	2	security	security	NOUN
cjfa-20691	55	3	level	level	NOUN
cjfa-20691	55	4	of	of	ADP
cjfa-20691	55	5	mobile	mobile	ADJ
cjfa-20691	55	6	banking	banking	NOUN
cjfa-20691	55	7	applications	application	NOUN
cjfa-20691	55	8	and	and	CCONJ
cjfa-20691	55	9	it	it	PRON
cjfa-20691	55	10	systems	system	NOUN
cjfa-20691	55	11	is	be	AUX
cjfa-20691	55	12	also	also	ADV
cjfa-20691	55	13	rising	rise	VERB
cjfa-20691	55	14	,	,	PUNCT
cjfa-20691	55	15	so	so	CCONJ
cjfa-20691	55	16	the	the	DET
cjfa-20691	55	17	risk	risk	NOUN
cjfa-20691	55	18	of	of	ADP
cjfa-20691	55	19	potential	potential	ADJ
cjfa-20691	55	20	fraud	fraud	NOUN
cjfa-20691	55	21	is	be	AUX
cjfa-20691	55	22	being	be	AUX
cjfa-20691	55	23	reduced	reduce	VERB
cjfa-20691	55	24	.	.	PUNCT
cjfa-20691	56	1	in	in	ADP
cjfa-20691	56	2	the	the	DET
cjfa-20691	56	3	above	above	ADJ
cjfa-20691	56	4	table	table	NOUN
cjfa-20691	56	5	,	,	PUNCT
cjfa-20691	56	6	the	the	DET
cjfa-20691	56	7	number	number	NOUN
cjfa-20691	56	8	of	of	ADP
cjfa-20691	56	9	advantages	advantage	NOUN
cjfa-20691	56	10	significantly	significantly	ADV
cjfa-20691	56	11	exceeds	exceed	VERB
cjfa-20691	56	12	the	the	DET
cjfa-20691	56	13	number	number	NOUN
cjfa-20691	56	14	of	of	ADP
cjfa-20691	56	15	weaknesses	weakness	NOUN
cjfa-20691	56	16	,	,	PUNCT
cjfa-20691	56	17	so	so	SCONJ
cjfa-20691	56	18	it	it	PRON
cjfa-20691	56	19	can	can	AUX
cjfa-20691	56	20	be	be	AUX
cjfa-20691	56	21	concluded	conclude	VERB
cjfa-20691	56	22	that	that	SCONJ
cjfa-20691	56	23	mobile	mobile	ADJ
cjfa-20691	56	24	banking	banking	NOUN
cjfa-20691	56	25	is	be	AUX
cjfa-20691	56	26	a	a	DET
cjfa-20691	56	27	beneficial	beneficial	ADJ
cjfa-20691	56	28	communication	communication	NOUN
cjfa-20691	56	29	channel	channel	NOUN
cjfa-20691	56	30	for	for	ADP
cjfa-20691	56	31	both	both	DET
cjfa-20691	56	32	customers	customer	NOUN
cjfa-20691	56	33	and	and	CCONJ
cjfa-20691	56	34	banks	bank	NOUN
cjfa-20691	56	35	.	.	PUNCT
cjfa-20691	57	1	the	the	DET
cjfa-20691	57	2	application	application	NOUN
cjfa-20691	57	3	of	of	ADP
cjfa-20691	57	4	innovative	innovative	ADJ
cjfa-20691	57	5	solutions	solution	NOUN
cjfa-20691	57	6	has	have	AUX
cjfa-20691	57	7	contributed	contribute	VERB
cjfa-20691	57	8	to	to	ADP
cjfa-20691	57	9	the	the	DET
cjfa-20691	57	10	expansion	expansion	NOUN
cjfa-20691	57	11	of	of	ADP
cjfa-20691	57	12	the	the	DET
cjfa-20691	57	13	mobile	mobile	ADJ
cjfa-20691	57	14	banking	banking	NOUN
cjfa-20691	57	15	channel	channel	NOUN
cjfa-20691	57	16	,	,	PUNCT
cjfa-20691	57	17	which	which	PRON
cjfa-20691	57	18	is	be	AUX
cjfa-20691	57	19	currently	currently	ADV
cjfa-20691	57	20	considered	consider	VERB
cjfa-20691	57	21	the	the	DET
cjfa-20691	57	22	most	most	ADV
cjfa-20691	57	23	important	important	ADJ
cjfa-20691	57	24	channel	channel	NOUN
cjfa-20691	57	25	of	of	ADP
cjfa-20691	57	26	accessing	access	VERB
cjfa-20691	57	27	banking	banking	NOUN
cjfa-20691	57	28	services	service	NOUN
cjfa-20691	57	29	,	,	PUNCT
cjfa-20691	57	30	and	and	CCONJ
cjfa-20691	57	31	the	the	DET
cjfa-20691	57	32	constantly	constantly	ADV
cjfa-20691	57	33	growing	grow	VERB
cjfa-20691	57	34	interest	interest	NOUN
cjfa-20691	57	35	in	in	ADP
cjfa-20691	57	36	mobile	mobile	ADJ
cjfa-20691	57	37	banking	banking	NOUN
cjfa-20691	57	38	offers	offer	VERB
cjfa-20691	57	39	determines	determine	VERB
cjfa-20691	57	40	the	the	DET
cjfa-20691	57	41	increase	increase	NOUN
cjfa-20691	57	42	in	in	ADP
cjfa-20691	57	43	the	the	DET
cjfa-20691	57	44	pace	pace	NOUN
cjfa-20691	57	45	of	of	ADP
cjfa-20691	57	46	development	development	NOUN
cjfa-20691	57	47	of	of	ADP
cjfa-20691	57	48	the	the	DET
cjfa-20691	57	49	analyzed	analyze	VERB
cjfa-20691	57	50	method	method	NOUN
cjfa-20691	57	51	of	of	ADP
cjfa-20691	57	52	banking	banking	NOUN
cjfa-20691	57	53	and	and	CCONJ
cjfa-20691	57	54	perpetually	perpetually	ADV
cjfa-20691	57	55	widening	widen	VERB
cjfa-20691	57	56	range	range	NOUN
cjfa-20691	57	57	of	of	ADP
cjfa-20691	57	58	banking	banking	NOUN
cjfa-20691	57	59	services	service	NOUN
cjfa-20691	57	60	provided	provide	VERB
cjfa-20691	57	61	by	by	ADP
cjfa-20691	57	62	the	the	DET
cjfa-20691	57	63	mobile	mobile	ADJ
cjfa-20691	57	64	channel	channel	NOUN
cjfa-20691	57	65	(	(	PUNCT
cjfa-20691	57	66	bolibok	bolibok	PROPN
cjfa-20691	57	67	&	&	CCONJ
cjfa-20691	57	68	matras	matras	PROPN
cjfa-20691	57	69	-	-	PUNCT
cjfa-20691	57	70	bolibok	bolibok	PROPN
cjfa-20691	57	71	,	,	PUNCT
cjfa-20691	57	72	2014	2014	NUM
cjfa-20691	57	73	,	,	PUNCT
cjfa-20691	57	74	p.	p.	NOUN
cjfa-20691	57	75	8	8	NUM
cjfa-20691	57	76	;	;	PUNCT
cjfa-20691	57	77	krzysztoszek	krzysztoszek	NOUN
cjfa-20691	57	78	,	,	PUNCT
cjfa-20691	57	79	2017	2017	NUM
cjfa-20691	57	80	,	,	PUNCT
cjfa-20691	57	81	pp	pp	ADJ
cjfa-20691	57	82	.	.	PUNCT
cjfa-20691	58	1	6–7	6–7	NUM
cjfa-20691	58	2	)	)	PUNCT
cjfa-20691	58	3	.	.	PUNCT
cjfa-20691	59	1	the	the	DET
cjfa-20691	59	2	usage	usage	NOUN
cjfa-20691	59	3	of	of	ADP
cjfa-20691	59	4	mobile	mobile	ADJ
cjfa-20691	59	5	banking	banking	NOUN
cjfa-20691	59	6	applications	application	NOUN
cjfa-20691	59	7	in	in	ADP
cjfa-20691	59	8	poland	poland	PROPN
cjfa-20691	59	9	…	…	SYM
cjfa-20691	59	10	13	13	NUM
cjfa-20691	59	11	table	table	NOUN
cjfa-20691	59	12	1	1	NUM
cjfa-20691	59	13	.	.	PUNCT
cjfa-20691	60	1	the	the	DET
cjfa-20691	60	2	mobile	mobile	ADJ
cjfa-20691	60	3	banking	banking	NOUN
cjfa-20691	60	4	main	main	ADJ
cjfa-20691	60	5	advantages	advantage	NOUN
cjfa-20691	60	6	and	and	CCONJ
cjfa-20691	60	7	weaknesses	weakness	NOUN
cjfa-20691	60	8	from	from	ADP
cjfa-20691	60	9	the	the	DET
cjfa-20691	60	10	customer	customer	NOUN
cjfa-20691	60	11	and	and	CCONJ
cjfa-20691	60	12	the	the	DET
cjfa-20691	60	13	bank	bank	NOUN
cjfa-20691	60	14	perspective	perspective	NOUN
cjfa-20691	60	15	advantages	advantage	VERB
cjfa-20691	60	16	weaknesses	weakness	NOUN
cjfa-20691	60	17	for	for	ADP
cjfa-20691	60	18	customer	customer	NOUN
cjfa-20691	60	19	for	for	ADP
cjfa-20691	60	20	bank	bank	NOUN
cjfa-20691	60	21	for	for	ADP
cjfa-20691	60	22	customer	customer	NOUN
cjfa-20691	60	23	for	for	ADP
cjfa-20691	60	24	bank	bank	NOUN
cjfa-20691	60	25	–	–	PUNCT
cjfa-20691	60	26	absence	absence	NOUN
cjfa-20691	60	27	of	of	ADP
cjfa-20691	60	28	costs	cost	NOUN
cjfa-20691	60	29	related	relate	VERB
cjfa-20691	60	30	to	to	ADP
cjfa-20691	60	31	the	the	DET
cjfa-20691	60	32	use	use	NOUN
cjfa-20691	60	33	of	of	ADP
cjfa-20691	60	34	mobile	mobile	ADJ
cjfa-20691	60	35	banking	banking	NOUN
cjfa-20691	60	36	applications	application	NOUN
cjfa-20691	60	37	;	;	PUNCT
cjfa-20691	60	38	–	–	PUNCT
cjfa-20691	60	39	ability	ability	NOUN
cjfa-20691	60	40	to	to	PART
cjfa-20691	60	41	manage	manage	VERB
cjfa-20691	60	42	a	a	DET
cjfa-20691	60	43	bank	bank	NOUN
cjfa-20691	60	44	account	account	NOUN
cjfa-20691	60	45	anywhere	anywhere	ADV
cjfa-20691	60	46	and	and	CCONJ
cjfa-20691	60	47	at	at	ADP
cjfa-20691	60	48	any	any	DET
cjfa-20691	60	49	time	time	NOUN
cjfa-20691	60	50	;	;	PUNCT
cjfa-20691	60	51	–	–	PUNCT
cjfa-20691	60	52	using	use	VERB
cjfa-20691	60	53	the	the	DET
cjfa-20691	60	54	application	application	NOUN
cjfa-20691	60	55	is	be	AUX
cjfa-20691	60	56	comfortable	comfortable	ADJ
cjfa-20691	60	57	and	and	CCONJ
cjfa-20691	60	58	intuitive	intuitive	ADJ
cjfa-20691	60	59	for	for	ADP
cjfa-20691	60	60	the	the	DET
cjfa-20691	60	61	user	user	NOUN
cjfa-20691	60	62	.	.	PUNCT
cjfa-20691	61	1	–	–	PUNCT
cjfa-20691	61	2	increasing	increase	VERB
cjfa-20691	61	3	the	the	DET
cjfa-20691	61	4	efficiency	efficiency	NOUN
cjfa-20691	61	5	of	of	ADP
cjfa-20691	61	6	system	system	NOUN
cjfa-20691	61	7	by	by	ADP
cjfa-20691	61	8	transferring	transfer	VERB
cjfa-20691	61	9	only	only	ADV
cjfa-20691	61	10	relevant	relevant	ADJ
cjfa-20691	61	11	data	datum	NOUN
cjfa-20691	61	12	between	between	ADP
cjfa-20691	61	13	the	the	DET
cjfa-20691	61	14	bank	bank	NOUN
cjfa-20691	61	15	and	and	CCONJ
cjfa-20691	61	16	the	the	DET
cjfa-20691	61	17	application	application	NOUN
cjfa-20691	61	18	;	;	PUNCT
cjfa-20691	61	19	–	–	PUNCT
cjfa-20691	61	20	additional	additional	ADJ
cjfa-20691	61	21	functions	function	NOUN
cjfa-20691	61	22	of	of	ADP
cjfa-20691	61	23	application	application	NOUN
cjfa-20691	61	24	,	,	PUNCT
cjfa-20691	61	25	e.g.	e.g.	ADV
cjfa-20691	61	26	branches	branch	NOUN
cjfa-20691	61	27	and	and	CCONJ
cjfa-20691	61	28	atms	atms	NOUN
cjfa-20691	61	29	localization	localization	NOUN
cjfa-20691	61	30	via	via	ADP
cjfa-20691	61	31	gps	gps	PROPN
cjfa-20691	61	32	transmitter	transmitter	NOUN
cjfa-20691	61	33	,	,	PUNCT
cjfa-20691	61	34	reloading	reload	VERB
cjfa-20691	61	35	a	a	DET
cjfa-20691	61	36	phone	phone	NOUN
cjfa-20691	61	37	-	-	PUNCT
cjfa-20691	61	38	card	card	NOUN
cjfa-20691	61	39	,	,	PUNCT
cjfa-20691	61	40	qr	qr	NOUN
cjfa-20691	61	41	code	code	NOUN
cjfa-20691	61	42	scanner	scanner	NOUN
cjfa-20691	61	43	,	,	PUNCT
cjfa-20691	61	44	and	and	CCONJ
cjfa-20691	61	45	many	many	ADJ
cjfa-20691	61	46	others	other	NOUN
cjfa-20691	61	47	;	;	PUNCT
cjfa-20691	61	48	–	–	PUNCT
cjfa-20691	61	49	quick	quick	ADJ
cjfa-20691	61	50	contact	contact	NOUN
cjfa-20691	61	51	with	with	ADP
cjfa-20691	61	52	the	the	DET
cjfa-20691	61	53	customer	customer	NOUN
cjfa-20691	61	54	through	through	ADP
cjfa-20691	61	55	application	application	NOUN
cjfa-20691	61	56	notifications	notification	NOUN
cjfa-20691	61	57	.	.	PUNCT
cjfa-20691	62	1	–	–	PUNCT
cjfa-20691	62	2	the	the	DET
cjfa-20691	62	3	risk	risk	NOUN
cjfa-20691	62	4	of	of	ADP
cjfa-20691	62	5	a	a	DET
cjfa-20691	62	6	potential	potential	ADJ
cjfa-20691	62	7	cyber	cyber	NOUN
cjfa-20691	62	8	-	-	PUNCT
cjfa-20691	62	9	attack	attack	NOUN
cjfa-20691	62	10	.	.	PUNCT
cjfa-20691	63	1	–	–	PUNCT
cjfa-20691	63	2	challenges	challenge	NOUN
cjfa-20691	63	3	related	relate	VERB
cjfa-20691	63	4	to	to	ADP
cjfa-20691	63	5	the	the	DET
cjfa-20691	63	6	creation	creation	NOUN
cjfa-20691	63	7	of	of	ADP
cjfa-20691	63	8	ideal	ideal	ADJ
cjfa-20691	63	9	applications	application	NOUN
cjfa-20691	63	10	;	;	PUNCT
cjfa-20691	63	11	–	–	PUNCT
cjfa-20691	63	12	high	high	ADJ
cjfa-20691	63	13	costs	cost	NOUN
cjfa-20691	63	14	of	of	ADP
cjfa-20691	63	15	application	application	NOUN
cjfa-20691	63	16	design	design	NOUN
cjfa-20691	63	17	,	,	PUNCT
cjfa-20691	63	18	–	–	PUNCT
cjfa-20691	63	19	necessity	necessity	NOUN
cjfa-20691	63	20	of	of	ADP
cjfa-20691	63	21	providing	provide	VERB
cjfa-20691	63	22	users	user	NOUN
cjfa-20691	63	23	with	with	ADP
cjfa-20691	63	24	the	the	DET
cjfa-20691	63	25	appropriate	appropriate	ADJ
cjfa-20691	63	26	level	level	NOUN
cjfa-20691	63	27	of	of	ADP
cjfa-20691	63	28	security	security	NOUN
cjfa-20691	63	29	.	.	PUNCT
cjfa-20691	64	1	s	s	PART
cjfa-20691	64	2	o	o	X
cjfa-20691	64	3	u	u	NOUN
cjfa-20691	64	4	r	r	NOUN
cjfa-20691	64	5	c	c	NOUN
cjfa-20691	64	6	e	e	NOUN
cjfa-20691	64	7	:	:	PUNCT
cjfa-20691	64	8	own	own	ADJ
cjfa-20691	64	9	study	study	NOUN
cjfa-20691	64	10	based	base	VERB
cjfa-20691	64	11	on	on	ADP
cjfa-20691	64	12	:	:	PUNCT
cjfa-20691	64	13	(	(	PUNCT
cjfa-20691	64	14	polasik	polasik	NOUN
cjfa-20691	64	15	,	,	PUNCT
cjfa-20691	64	16	2013	2013	NUM
cjfa-20691	64	17	;	;	PUNCT
cjfa-20691	64	18	bolibok	bolibok	PROPN
cjfa-20691	64	19	&	&	CCONJ
cjfa-20691	64	20	matras	matras	PROPN
cjfa-20691	64	21	-	-	PUNCT
cjfa-20691	64	22	bolibok	bolibok	NOUN
cjfa-20691	64	23	,	,	PUNCT
cjfa-20691	64	24	2014	2014	NUM
cjfa-20691	64	25	)	)	PUNCT
cjfa-20691	64	26	.	.	PUNCT
cjfa-20691	65	1	the	the	DET
cjfa-20691	65	2	beginnings	beginning	NOUN
cjfa-20691	65	3	of	of	ADP
cjfa-20691	65	4	mobile	mobile	ADJ
cjfa-20691	65	5	banking	banking	NOUN
cjfa-20691	65	6	in	in	ADP
cjfa-20691	65	7	poland	poland	PROPN
cjfa-20691	65	8	mobile	mobile	ADJ
cjfa-20691	65	9	banking	banking	NOUN
cjfa-20691	65	10	entered	enter	VERB
cjfa-20691	65	11	the	the	DET
cjfa-20691	65	12	polish	polish	ADJ
cjfa-20691	65	13	payment	payment	NOUN
cjfa-20691	65	14	services	service	NOUN
cjfa-20691	65	15	market	market	NOUN
cjfa-20691	65	16	in	in	ADP
cjfa-20691	65	17	2000	2000	NUM
cjfa-20691	65	18	,	,	PUNCT
cjfa-20691	65	19	when	when	SCONJ
cjfa-20691	65	20	the	the	DET
cjfa-20691	65	21	bank	bank	NOUN
cjfa-20691	65	22	zachodni	zachodni	PROPN
cjfa-20691	65	23	wbk	wbk	PROPN
cjfa-20691	65	24	launched	launch	VERB
cjfa-20691	65	25	the	the	DET
cjfa-20691	65	26	sms	sms	PROPN
cjfa-20691	65	27	information	information	PROPN
cjfa-20691	65	28	service	service	PROPN
cjfa-20691	65	29	.	.	PUNCT
cjfa-20691	66	1	this	this	DET
cjfa-20691	66	2	service	service	NOUN
cjfa-20691	66	3	offered	offer	VERB
cjfa-20691	66	4	information	information	NOUN
cjfa-20691	66	5	about	about	ADP
cjfa-20691	66	6	the	the	DET
cjfa-20691	66	7	balance	balance	NOUN
cjfa-20691	66	8	and	and	CCONJ
cjfa-20691	66	9	the	the	DET
cjfa-20691	66	10	last	last	ADJ
cjfa-20691	66	11	five	five	NUM
cjfa-20691	66	12	transactions	transaction	NOUN
cjfa-20691	66	13	carried	carry	VERB
cjfa-20691	66	14	out	out	ADP
cjfa-20691	66	15	on	on	ADP
cjfa-20691	66	16	the	the	DET
cjfa-20691	66	17	customer	customer	NOUN
cjfa-20691	66	18	’s	’s	PART
cjfa-20691	66	19	account	account	NOUN
cjfa-20691	66	20	,	,	PUNCT
cjfa-20691	66	21	provided	provide	VERB
cjfa-20691	66	22	that	that	SCONJ
cjfa-20691	66	23	its	its	PRON
cjfa-20691	66	24	owner	owner	NOUN
cjfa-20691	66	25	mobile	mobile	ADJ
cjfa-20691	66	26	phone	phone	NOUN
cjfa-20691	66	27	operated	operate	VERB
cjfa-20691	66	28	in	in	ADP
cjfa-20691	66	29	the	the	DET
cjfa-20691	66	30	plus	plus	CCONJ
cjfa-20691	66	31	gsm	gsm	NOUN
cjfa-20691	66	32	network	network	NOUN
cjfa-20691	66	33	.	.	PUNCT
cjfa-20691	67	1	the	the	DET
cjfa-20691	67	2	bz	bz	PROPN
cjfa-20691	67	3	wbk	wbk	NOUN
cjfa-20691	67	4	was	be	AUX
cjfa-20691	67	5	also	also	ADV
cjfa-20691	67	6	the	the	DET
cjfa-20691	67	7	first	first	ADJ
cjfa-20691	67	8	bank	bank	NOUN
cjfa-20691	67	9	in	in	ADP
cjfa-20691	67	10	poland	poland	PROPN
cjfa-20691	67	11	to	to	PART
cjfa-20691	67	12	launch	launch	VERB
cjfa-20691	67	13	a	a	DET
cjfa-20691	67	14	mobile	mobile	ADJ
cjfa-20691	67	15	site	site	NOUN
cjfa-20691	67	16	operating	operate	VERB
cjfa-20691	67	17	in	in	ADP
cjfa-20691	67	18	the	the	DET
cjfa-20691	67	19	wap	wap	PROPN
cjfa-20691	67	20	(	(	PUNCT
cjfa-20691	67	21	wireless	wireless	ADJ
cjfa-20691	67	22	application	application	NOUN
cjfa-20691	67	23	protocol	protocol	NOUN
cjfa-20691	67	24	)	)	PUNCT
cjfa-20691	67	25	protocol	protocol	NOUN
cjfa-20691	67	26	.	.	PUNCT
cjfa-20691	68	1	shortly	shortly	ADV
cjfa-20691	68	2	after	after	ADV
cjfa-20691	68	3	,	,	PUNCT
cjfa-20691	68	4	the	the	DET
cjfa-20691	68	5	same	same	ADJ
cjfa-20691	68	6	solution	solution	NOUN
cjfa-20691	68	7	was	be	AUX
cjfa-20691	68	8	offered	offer	VERB
cjfa-20691	68	9	by	by	ADP
cjfa-20691	68	10	mbank	mbank	PROPN
cjfa-20691	68	11	.	.	PUNCT
cjfa-20691	69	1	at	at	ADP
cjfa-20691	69	2	that	that	DET
cjfa-20691	69	3	time	time	NOUN
cjfa-20691	69	4	there	there	PRON
cjfa-20691	69	5	were	be	VERB
cjfa-20691	69	6	high	high	ADJ
cjfa-20691	69	7	expectations	expectation	NOUN
cjfa-20691	69	8	of	of	ADP
cjfa-20691	69	9	wap	wap	PROPN
cjfa-20691	69	10	technology	technology	PROPN
cjfa-20691	69	11	,	,	PUNCT
cjfa-20691	69	12	as	as	ADV
cjfa-20691	69	13	well	well	ADV
cjfa-20691	69	14	as	as	ADP
cjfa-20691	69	15	very	very	ADV
cjfa-20691	69	16	enthusiastic	enthusiastic	ADJ
cjfa-20691	69	17	opinions	opinion	NOUN
cjfa-20691	69	18	of	of	ADP
cjfa-20691	69	19	experts	expert	NOUN
cjfa-20691	69	20	who	who	PRON
cjfa-20691	69	21	claimed	claim	VERB
cjfa-20691	69	22	that	that	SCONJ
cjfa-20691	69	23	this	this	DET
cjfa-20691	69	24	technology	technology	NOUN
cjfa-20691	69	25	is	be	AUX
cjfa-20691	69	26	able	able	ADJ
cjfa-20691	69	27	to	to	PART
cjfa-20691	69	28	become	become	VERB
cjfa-20691	69	29	the	the	DET
cjfa-20691	69	30	main	main	ADJ
cjfa-20691	69	31	channel	channel	NOUN
cjfa-20691	69	32	of	of	ADP
cjfa-20691	69	33	communication	communication	NOUN
cjfa-20691	69	34	between	between	ADP
cjfa-20691	69	35	the	the	DET
cjfa-20691	69	36	customer	customer	NOUN
cjfa-20691	69	37	and	and	CCONJ
cjfa-20691	69	38	the	the	DET
cjfa-20691	69	39	bank	bank	NOUN
cjfa-20691	69	40	.	.	PUNCT
cjfa-20691	70	1	wap	wap	PROPN
cjfa-20691	70	2	,	,	PUNCT
cjfa-20691	70	3	however	however	ADV
cjfa-20691	70	4	,	,	PUNCT
cjfa-20691	70	5	did	do	AUX
cjfa-20691	70	6	not	not	PART
cjfa-20691	70	7	arouse	arouse	VERB
cjfa-20691	70	8	much	much	ADJ
cjfa-20691	70	9	interest	interest	NOUN
cjfa-20691	70	10	among	among	ADP
cjfa-20691	70	11	customers	customer	NOUN
cjfa-20691	70	12	,	,	PUNCT
cjfa-20691	70	13	and	and	CCONJ
cjfa-20691	70	14	among	among	ADP
cjfa-20691	70	15	main	main	ADJ
cjfa-20691	70	16	reasons	reason	NOUN
cjfa-20691	70	17	were	be	AUX
cjfa-20691	70	18	high	high	ADJ
cjfa-20691	70	19	rates	rate	NOUN
cjfa-20691	70	20	of	of	ADP
cjfa-20691	70	21	accessing	access	VERB
cjfa-20691	70	22	the	the	DET
cjfa-20691	70	23	internet	internet	NOUN
cjfa-20691	70	24	via	via	ADP
cjfa-20691	70	25	mobile	mobile	ADJ
cjfa-20691	70	26	phone	phone	NOUN
cjfa-20691	70	27	.	.	PUNCT
cjfa-20691	71	1	in	in	ADP
cjfa-20691	71	2	2002	2002	NUM
cjfa-20691	71	3	,	,	PUNCT
cjfa-20691	71	4	the	the	DET
cjfa-20691	71	5	raiffeisen	raiffeisen	PROPN
cjfa-20691	71	6	bank	bank	PROPN
cjfa-20691	71	7	and	and	CCONJ
cjfa-20691	71	8	the	the	DET
cjfa-20691	71	9	inteligo	inteligo	NOUN
cjfa-20691	71	10	offered	offer	VERB
cjfa-20691	71	11	a	a	DET
cjfa-20691	71	12	similar	similar	ADJ
cjfa-20691	71	13	solution	solution	NOUN
cjfa-20691	71	14	,	,	PUNCT
cjfa-20691	71	15	developed	develop	VERB
cjfa-20691	71	16	in	in	ADP
cjfa-20691	71	17	the	the	DET
cjfa-20691	71	18	newer	new	ADJ
cjfa-20691	71	19	wap	wap	PROPN
cjfa-20691	71	20	2.0	2.0	NUM
cjfa-20691	71	21	protocol	protocol	NOUN
cjfa-20691	71	22	(	(	PUNCT
cjfa-20691	71	23	bolibok	bolibok	PROPN
cjfa-20691	71	24	&	&	CCONJ
cjfa-20691	71	25	matras	matras	PROPN
cjfa-20691	71	26	-	-	PUNCT
cjfa-20691	71	27	bolibok	bolibok	PROPN
cjfa-20691	71	28	,	,	PUNCT
cjfa-20691	71	29	2014	2014	NUM
cjfa-20691	71	30	,	,	PUNCT
cjfa-20691	71	31	pp	pp	ADJ
cjfa-20691	71	32	.	.	PUNCT
cjfa-20691	72	1	9–10	9–10	NOUN
cjfa-20691	72	2	;	;	PUNCT
cjfa-20691	72	3	www1	www1	PROPN
cjfa-20691	72	4	)	)	PUNCT
cjfa-20691	72	5	.	.	PUNCT
cjfa-20691	73	1	moreover	moreover	ADV
cjfa-20691	73	2	,	,	PUNCT
cjfa-20691	73	3	the	the	DET
cjfa-20691	73	4	inteligo	inteligo	NOUN
cjfa-20691	73	5	,	,	PUNCT
cjfa-20691	73	6	as	as	ADP
cjfa-20691	73	7	the	the	DET
cjfa-20691	73	8	first	first	ADJ
cjfa-20691	73	9	institution	institution	NOUN
cjfa-20691	73	10	in	in	ADP
cjfa-20691	73	11	poland	poland	PROPN
cjfa-20691	73	12	,	,	PUNCT
cjfa-20691	73	13	launched	launch	VERB
cjfa-20691	73	14	the	the	DET
cjfa-20691	73	15	“	"	PUNCT
cjfa-20691	73	16	i	i	PRON
cjfa-20691	73	17	pay	pay	VERB
cjfa-20691	73	18	with	with	ADP
cjfa-20691	73	19	sms	sms	PROPN
cjfa-20691	73	20	”	"	PUNCT
cjfa-20691	73	21	service	service	NOUN
cjfa-20691	73	22	in	in	ADP
cjfa-20691	73	23	the	the	DET
cjfa-20691	73	24	sim	sim	NOUN
cjfa-20691	73	25	toolkit	toolkit	NOUN
cjfa-20691	73	26	(	(	PUNCT
cjfa-20691	73	27	stk	stk	NOUN
cjfa-20691	73	28	)	)	PUNCT
cjfa-20691	73	29	system	system	NOUN
cjfa-20691	73	30	,	,	PUNCT
cjfa-20691	73	31	which	which	PRON
cjfa-20691	73	32	allowed	allow	VERB
cjfa-20691	73	33	to	to	PART
cjfa-20691	73	34	perform	perform	VERB
cjfa-20691	73	35	particular	particular	ADJ
cjfa-20691	73	36	banking	banking	NOUN
cjfa-20691	73	37	operations	operation	NOUN
cjfa-20691	73	38	,	,	PUNCT
cjfa-20691	73	39	such	such	ADJ
cjfa-20691	73	40	as	as	ADP
cjfa-20691	73	41	making	make	VERB
cjfa-20691	73	42	transfers	transfer	NOUN
cjfa-20691	73	43	,	,	PUNCT
cjfa-20691	73	44	managing	manage	VERB
cjfa-20691	73	45	deposits	deposit	NOUN
cjfa-20691	73	46	,	,	PUNCT
cjfa-20691	73	47	paying	pay	VERB
cjfa-20691	73	48	off	off	ADP
cjfa-20691	73	49	debts	debt	NOUN
cjfa-20691	73	50	or	or	CCONJ
cjfa-20691	73	51	searching	search	VERB
cjfa-20691	73	52	for	for	ADP
cjfa-20691	73	53	nearby	nearby	ADJ
cjfa-20691	73	54	atms	atms	PROPN
cjfa-20691	73	55	(	(	PUNCT
cjfa-20691	73	56	sobiesiak	sobiesiak	PROPN
cjfa-20691	73	57	&	&	CCONJ
cjfa-20691	73	58	zagrodniczek	zagrodniczek	PROPN
cjfa-20691	73	59	,	,	PUNCT
cjfa-20691	73	60	2018	2018	NUM
cjfa-20691	73	61	,	,	PUNCT
cjfa-20691	73	62	p.	p.	NOUN
cjfa-20691	73	63	67	67	NUM
cjfa-20691	73	64	;	;	PUNCT
cjfa-20691	73	65	www5	www5	PROPN
cjfa-20691	73	66	)	)	PUNCT
cjfa-20691	73	67	.	.	PUNCT
cjfa-20691	74	1	with	with	ADP
cjfa-20691	74	2	time	time	NOUN
cjfa-20691	74	3	,	,	PUNCT
cjfa-20691	74	4	more	more	ADJ
cjfa-20691	74	5	mikołaj	mikołaj	NOUN
cjfa-20691	74	6	borowski	borowski	NOUN
cjfa-20691	74	7	-	-	PUNCT
cjfa-20691	74	8	beszta	beszta	ADJ
cjfa-20691	74	9	,	,	PUNCT
cjfa-20691	74	10	anna	anna	NOUN
cjfa-20691	74	11	kiermas14	kiermas14	PROPN
cjfa-20691	74	12	and	and	CCONJ
cjfa-20691	74	13	more	more	ADJ
cjfa-20691	74	14	banks	bank	NOUN
cjfa-20691	74	15	launched	launch	VERB
cjfa-20691	74	16	sms	sms	PROPN
cjfa-20691	74	17	services	service	NOUN
cjfa-20691	74	18	.	.	PUNCT
cjfa-20691	75	1	in	in	ADP
cjfa-20691	75	2	2005	2005	NUM
cjfa-20691	75	3	,	,	PUNCT
cjfa-20691	75	4	the	the	DET
cjfa-20691	75	5	bank	bank	PROPN
cjfa-20691	75	6	millenium	millenium	PROPN
cjfa-20691	75	7	launched	launch	VERB
cjfa-20691	75	8	sms	sms	PROPN
cjfa-20691	75	9	notifications	notification	NOUN
cjfa-20691	75	10	,	,	PUNCT
cjfa-20691	75	11	and	and	CCONJ
cjfa-20691	75	12	a	a	DET
cjfa-20691	75	13	year	year	NOUN
cjfa-20691	75	14	later	later	ADV
cjfa-20691	75	15	,	,	PUNCT
cjfa-20691	75	16	the	the	DET
cjfa-20691	75	17	mbank	mbank	PROPN
cjfa-20691	75	18	,	,	PUNCT
cjfa-20691	75	19	the	the	DET
cjfa-20691	75	20	multi	multi	PROPN
cjfa-20691	75	21	bank	bank	PROPN
cjfa-20691	75	22	,	,	PUNCT
cjfa-20691	75	23	the	the	DET
cjfa-20691	75	24	citi	citi	PROPN
cjfa-20691	75	25	handlowy	handlowy	VERB
cjfa-20691	75	26	,	,	PUNCT
cjfa-20691	75	27	and	and	CCONJ
cjfa-20691	75	28	the	the	DET
cjfa-20691	75	29	ing	ing	PROPN
cjfa-20691	75	30	bank	bank	PROPN
cjfa-20691	75	31	śląski	śląski	PROPN
cjfa-20691	75	32	introduced	introduce	VERB
cjfa-20691	75	33	,	,	PUNCT
cjfa-20691	75	34	used	use	VERB
cjfa-20691	75	35	until	until	ADP
cjfa-20691	75	36	today	today	NOUN
cjfa-20691	75	37	,	,	PUNCT
cjfa-20691	75	38	the	the	DET
cjfa-20691	75	39	one	one	NUM
cjfa-20691	75	40	-	-	PUNCT
cjfa-20691	75	41	time	time	NOUN
cjfa-20691	75	42	sms	sms	NOUN
cjfa-20691	75	43	passwords	password	NOUN
cjfa-20691	75	44	sent	send	VERB
cjfa-20691	75	45	for	for	ADP
cjfa-20691	75	46	the	the	DET
cjfa-20691	75	47	purpose	purpose	NOUN
cjfa-20691	75	48	of	of	ADP
cjfa-20691	75	49	one	one	NUM
cjfa-20691	75	50	-	-	PUNCT
cjfa-20691	75	51	time	time	NOUN
cjfa-20691	75	52	authorization	authorization	NOUN
cjfa-20691	75	53	of	of	ADP
cjfa-20691	75	54	an	an	DET
cjfa-20691	75	55	online	online	ADJ
cjfa-20691	75	56	transaction	transaction	NOUN
cjfa-20691	75	57	,	,	PUNCT
cjfa-20691	75	58	e.g.	e.g.	ADV
cjfa-20691	75	59	a	a	DET
cjfa-20691	75	60	bank	bank	NOUN
cjfa-20691	75	61	transfer	transfer	NOUN
cjfa-20691	75	62	(	(	PUNCT
cjfa-20691	75	63	hassa	hassa	NOUN
cjfa-20691	75	64	,	,	PUNCT
cjfa-20691	75	65	2013	2013	NUM
cjfa-20691	75	66	)	)	PUNCT
cjfa-20691	75	67	.	.	PUNCT
cjfa-20691	76	1	unfortunately	unfortunately	ADV
cjfa-20691	76	2	,	,	PUNCT
cjfa-20691	76	3	for	for	ADP
cjfa-20691	76	4	the	the	DET
cjfa-20691	76	5	next	next	ADJ
cjfa-20691	76	6	three	three	NUM
cjfa-20691	76	7	years	year	NOUN
cjfa-20691	76	8	,	,	PUNCT
cjfa-20691	76	9	the	the	DET
cjfa-20691	76	10	development	development	NOUN
cjfa-20691	76	11	of	of	ADP
cjfa-20691	76	12	mobile	mobile	ADJ
cjfa-20691	76	13	banking	banking	NOUN
cjfa-20691	76	14	slowed	slow	VERB
cjfa-20691	76	15	down	down	ADP
cjfa-20691	76	16	because	because	SCONJ
cjfa-20691	76	17	wap	wap	PROPN
cjfa-20691	76	18	solutions	solutions	PROPN
cjfa-20691	76	19	,	,	PUNCT
cjfa-20691	76	20	sim	sim	ADJ
cjfa-20691	76	21	toolkit	toolkit	NOUN
cjfa-20691	76	22	and	and	CCONJ
cjfa-20691	76	23	sms	sms	PROPN
cjfa-20691	76	24	banking	banking	NOUN
cjfa-20691	76	25	did	do	AUX
cjfa-20691	76	26	not	not	PART
cjfa-20691	76	27	become	become	VERB
cjfa-20691	76	28	popular	popular	ADJ
cjfa-20691	76	29	,	,	PUNCT
cjfa-20691	76	30	and	and	CCONJ
cjfa-20691	76	31	the	the	DET
cjfa-20691	76	32	primary	primary	ADJ
cjfa-20691	76	33	reason	reason	NOUN
cjfa-20691	76	34	for	for	ADP
cjfa-20691	76	35	this	this	PRON
cjfa-20691	76	36	was	be	AUX
cjfa-20691	76	37	a	a	DET
cjfa-20691	76	38	failure	failure	NOUN
cjfa-20691	76	39	in	in	ADP
cjfa-20691	76	40	meeting	meet	VERB
cjfa-20691	76	41	customers	customer	NOUN
cjfa-20691	76	42	’	’	PART
cjfa-20691	76	43	expectations	expectation	NOUN
cjfa-20691	76	44	(	(	PUNCT
cjfa-20691	76	45	www1	www1	PROPN
cjfa-20691	76	46	)	)	PUNCT
cjfa-20691	76	47	.	.	PUNCT
cjfa-20691	77	1	only	only	ADV
cjfa-20691	77	2	in	in	ADP
cjfa-20691	77	3	2008	2008	NUM
cjfa-20691	77	4	,	,	PUNCT
cjfa-20691	77	5	when	when	SCONJ
cjfa-20691	77	6	the	the	DET
cjfa-20691	77	7	inteligo	inteligo	NOUN
cjfa-20691	77	8	introduced	introduce	VERB
cjfa-20691	77	9	the	the	DET
cjfa-20691	77	10	first	first	ADJ
cjfa-20691	77	11	version	version	NOUN
cjfa-20691	77	12	of	of	ADP
cjfa-20691	77	13	light	light	ADJ
cjfa-20691	77	14	website	website	NOUN
cjfa-20691	77	15	–	–	PUNCT
cjfa-20691	77	16	adapted	adapt	VERB
cjfa-20691	77	17	especially	especially	ADV
cjfa-20691	77	18	for	for	ADP
cjfa-20691	77	19	mobile	mobile	ADJ
cjfa-20691	77	20	devices	device	NOUN
cjfa-20691	77	21	(	(	PUNCT
cjfa-20691	77	22	bolibok	bolibok	PROPN
cjfa-20691	77	23	&	&	CCONJ
cjfa-20691	77	24	matras	matras	PROPN
cjfa-20691	77	25	-	-	PUNCT
cjfa-20691	77	26	bolibok	bolibok	PROPN
cjfa-20691	77	27	,	,	PUNCT
cjfa-20691	77	28	2014	2014	NUM
cjfa-20691	77	29	,	,	PUNCT
cjfa-20691	77	30	p.	p.	NOUN
cjfa-20691	77	31	13	13	NUM
cjfa-20691	77	32	)	)	PUNCT
cjfa-20691	77	33	,	,	PUNCT
cjfa-20691	77	34	the	the	DET
cjfa-20691	77	35	mobile	mobile	ADJ
cjfa-20691	77	36	banking	banking	NOUN
cjfa-20691	77	37	market	market	NOUN
cjfa-20691	77	38	has	have	AUX
cjfa-20691	77	39	been	be	AUX
cjfa-20691	77	40	stimulated	stimulate	VERB
cjfa-20691	77	41	(	(	PUNCT
cjfa-20691	77	42	hassa	hassa	NOUN
cjfa-20691	77	43	,	,	PUNCT
cjfa-20691	77	44	2013	2013	NUM
cjfa-20691	77	45	,	,	PUNCT
cjfa-20691	77	46	p.	p.	NOUN
cjfa-20691	77	47	42	42	NUM
cjfa-20691	77	48	)	)	PUNCT
cjfa-20691	77	49	.	.	PUNCT
cjfa-20691	78	1	soon	soon	ADV
cjfa-20691	78	2	thereafter	thereafter	ADV
cjfa-20691	78	3	,	,	PUNCT
cjfa-20691	78	4	various	various	ADJ
cjfa-20691	78	5	banks	bank	NOUN
cjfa-20691	78	6	introduced	introduce	VERB
cjfa-20691	78	7	mobile	mobile	ADJ
cjfa-20691	78	8	applications	application	NOUN
cjfa-20691	78	9	in	in	ADP
cjfa-20691	78	10	their	their	PRON
cjfa-20691	78	11	offer	offer	NOUN
cjfa-20691	78	12	,	,	PUNCT
cjfa-20691	78	13	thus	thus	ADV
cjfa-20691	78	14	making	make	VERB
cjfa-20691	78	15	a	a	DET
cjfa-20691	78	16	new	new	ADJ
cjfa-20691	78	17	attempt	attempt	NOUN
cjfa-20691	78	18	to	to	PART
cjfa-20691	78	19	develop	develop	VERB
cjfa-20691	78	20	a	a	DET
cjfa-20691	78	21	mobile	mobile	ADJ
cjfa-20691	78	22	communication	communication	NOUN
cjfa-20691	78	23	channel	channel	NOUN
cjfa-20691	78	24	between	between	ADP
cjfa-20691	78	25	the	the	DET
cjfa-20691	78	26	customer	customer	NOUN
cjfa-20691	78	27	and	and	CCONJ
cjfa-20691	78	28	the	the	DET
cjfa-20691	78	29	bank	bank	NOUN
cjfa-20691	78	30	in	in	ADP
cjfa-20691	78	31	terms	term	NOUN
cjfa-20691	78	32	of	of	ADP
cjfa-20691	78	33	available	available	ADJ
cjfa-20691	78	34	functionalities	functionality	NOUN
cjfa-20691	78	35	,	,	PUNCT
cjfa-20691	78	36	as	as	ADV
cjfa-20691	78	37	well	well	ADV
cjfa-20691	78	38	as	as	ADP
cjfa-20691	78	39	their	their	PRON
cjfa-20691	78	40	suitability	suitability	NOUN
cjfa-20691	78	41	and	and	CCONJ
cjfa-20691	78	42	ease	ease	NOUN
cjfa-20691	78	43	of	of	ADP
cjfa-20691	78	44	use	use	NOUN
cjfa-20691	78	45	(	(	PUNCT
cjfa-20691	78	46	sobiesiak	sobiesiak	PROPN
cjfa-20691	78	47	&	&	CCONJ
cjfa-20691	78	48	zagrodniczek	zagrodniczek	PROPN
cjfa-20691	78	49	,	,	PUNCT
cjfa-20691	78	50	2018	2018	NUM
cjfa-20691	78	51	,	,	PUNCT
cjfa-20691	78	52	p.	p.	NOUN
cjfa-20691	78	53	67	67	NUM
cjfa-20691	78	54	)	)	PUNCT
cjfa-20691	78	55	the	the	DET
cjfa-20691	78	56	development	development	NOUN
cjfa-20691	78	57	of	of	ADP
cjfa-20691	78	58	mobile	mobile	ADJ
cjfa-20691	78	59	banking	banking	NOUN
cjfa-20691	78	60	in	in	ADP
cjfa-20691	78	61	poland	poland	PROPN
cjfa-20691	78	62	one	one	NUM
cjfa-20691	78	63	of	of	ADP
cjfa-20691	78	64	the	the	DET
cjfa-20691	78	65	key	key	ADJ
cjfa-20691	78	66	elements	element	NOUN
cjfa-20691	78	67	that	that	PRON
cjfa-20691	78	68	contributed	contribute	VERB
cjfa-20691	78	69	to	to	ADP
cjfa-20691	78	70	the	the	DET
cjfa-20691	78	71	dynamic	dynamic	ADJ
cjfa-20691	78	72	development	development	NOUN
cjfa-20691	78	73	of	of	ADP
cjfa-20691	78	74	mobile	mobile	ADJ
cjfa-20691	78	75	banking	banking	NOUN
cjfa-20691	78	76	in	in	ADP
cjfa-20691	78	77	poland	poland	PROPN
cjfa-20691	78	78	is	be	AUX
cjfa-20691	78	79	development	development	NOUN
cjfa-20691	78	80	of	of	ADP
cjfa-20691	78	81	mobile	mobile	ADJ
cjfa-20691	78	82	banking	banking	NOUN
cjfa-20691	78	83	applications	application	NOUN
cjfa-20691	78	84	that	that	PRON
cjfa-20691	78	85	have	have	AUX
cjfa-20691	78	86	quickly	quickly	ADV
cjfa-20691	78	87	gained	gain	VERB
cjfa-20691	78	88	recognition	recognition	NOUN
cjfa-20691	78	89	among	among	ADP
cjfa-20691	78	90	individual	individual	ADJ
cjfa-20691	78	91	customers	customer	NOUN
cjfa-20691	78	92	.	.	PUNCT
cjfa-20691	79	1	the	the	DET
cjfa-20691	79	2	first	first	ADJ
cjfa-20691	79	3	mobile	mobile	ADJ
cjfa-20691	79	4	application	application	NOUN
cjfa-20691	79	5	was	be	AUX
cjfa-20691	79	6	launched	launch	VERB
cjfa-20691	79	7	in	in	ADP
cjfa-20691	79	8	2009	2009	NUM
cjfa-20691	79	9	,	,	PUNCT
cjfa-20691	79	10	and	and	CCONJ
cjfa-20691	79	11	it	it	PRON
cjfa-20691	79	12	swiftly	swiftly	ADV
cjfa-20691	79	13	obtained	obtain	VERB
cjfa-20691	79	14	the	the	DET
cjfa-20691	79	15	status	status	NOUN
cjfa-20691	79	16	of	of	ADP
cjfa-20691	79	17	the	the	DET
cjfa-20691	79	18	most	most	ADV
cjfa-20691	79	19	advanced	advanced	ADJ
cjfa-20691	79	20	mobile	mobile	ADJ
cjfa-20691	79	21	banking	banking	NOUN
cjfa-20691	79	22	solution	solution	NOUN
cjfa-20691	79	23	(	(	PUNCT
cjfa-20691	79	24	bolibok	bolibok	PROPN
cjfa-20691	79	25	&	&	CCONJ
cjfa-20691	79	26	matras	matras	PROPN
cjfa-20691	79	27	-	-	PUNCT
cjfa-20691	79	28	bolibok	bolibok	PROPN
cjfa-20691	79	29	,	,	PUNCT
cjfa-20691	79	30	2014	2014	NUM
cjfa-20691	79	31	,	,	PUNCT
cjfa-20691	79	32	pp	pp	ADJ
cjfa-20691	79	33	.	.	PUNCT
cjfa-20691	80	1	9–10	9–10	NUM
cjfa-20691	80	2	)	)	PUNCT
cjfa-20691	80	3	.	.	PUNCT
cjfa-20691	81	1	at	at	ADP
cjfa-20691	81	2	the	the	DET
cjfa-20691	81	3	same	same	ADJ
cjfa-20691	81	4	time	time	NOUN
cjfa-20691	81	5	,	,	PUNCT
cjfa-20691	81	6	along	along	ADP
cjfa-20691	81	7	with	with	ADP
cjfa-20691	81	8	mobile	mobile	ADJ
cjfa-20691	81	9	applications	application	NOUN
cjfa-20691	81	10	,	,	PUNCT
cjfa-20691	81	11	so	so	ADV
cjfa-20691	81	12	-	-	PUNCT
cjfa-20691	81	13	called	call	VERB
cjfa-20691	81	14	light	light	ADJ
cjfa-20691	81	15	versions	version	NOUN
cjfa-20691	81	16	of	of	ADP
cjfa-20691	81	17	websites	website	NOUN
cjfa-20691	81	18	emerged	emerge	VERB
cjfa-20691	81	19	,	,	PUNCT
cjfa-20691	81	20	however	however	ADV
cjfa-20691	81	21	,	,	PUNCT
cjfa-20691	81	22	the	the	DET
cjfa-20691	81	23	ergonomics	ergonomic	NOUN
cjfa-20691	81	24	of	of	ADP
cjfa-20691	81	25	using	use	VERB
cjfa-20691	81	26	that	that	DET
cjfa-20691	81	27	website	website	NOUN
cjfa-20691	81	28	via	via	ADP
cjfa-20691	81	29	the	the	DET
cjfa-20691	81	30	mobile	mobile	ADJ
cjfa-20691	81	31	device	device	NOUN
cjfa-20691	81	32	browser	browser	NOUN
cjfa-20691	81	33	was	be	AUX
cjfa-20691	81	34	unsatisfactory	unsatisfactory	ADJ
cjfa-20691	81	35	,	,	PUNCT
cjfa-20691	81	36	moreover	moreover	ADV
cjfa-20691	81	37	,	,	PUNCT
cjfa-20691	81	38	in	in	ADP
cjfa-20691	81	39	comparison	comparison	NOUN
cjfa-20691	81	40	to	to	ADP
cjfa-20691	81	41	mobile	mobile	ADJ
cjfa-20691	81	42	websites	website	NOUN
cjfa-20691	81	43	,	,	PUNCT
cjfa-20691	81	44	mobile	mobile	ADJ
cjfa-20691	81	45	applications	application	NOUN
cjfa-20691	81	46	were	be	AUX
cjfa-20691	81	47	characterized	characterize	VERB
cjfa-20691	81	48	by	by	ADP
cjfa-20691	81	49	a	a	DET
cjfa-20691	81	50	higher	high	ADJ
cjfa-20691	81	51	level	level	NOUN
cjfa-20691	81	52	of	of	ADP
cjfa-20691	81	53	security	security	NOUN
cjfa-20691	81	54	(	(	PUNCT
cjfa-20691	81	55	polasik	polasik	NOUN
cjfa-20691	81	56	,	,	PUNCT
cjfa-20691	81	57	2013	2013	NUM
cjfa-20691	81	58	,	,	PUNCT
cjfa-20691	81	59	pp	pp	ADJ
cjfa-20691	81	60	.	.	PUNCT
cjfa-20691	82	1	146–147	146–147	NUM
cjfa-20691	82	2	;	;	PUNCT
cjfa-20691	82	3	kuchciak	kuchciak	PROPN
cjfa-20691	82	4	,	,	PUNCT
cjfa-20691	82	5	2012	2012	NUM
cjfa-20691	82	6	p.	p.	NOUN
cjfa-20691	82	7	472	472	NUM
cjfa-20691	82	8	;	;	PUNCT
cjfa-20691	82	9	kaczmarek	kaczmarek	PROPN
cjfa-20691	82	10	,	,	PUNCT
cjfa-20691	82	11	2018	2018	NUM
cjfa-20691	82	12	,	,	PUNCT
cjfa-20691	82	13	p.	p.	NOUN
cjfa-20691	82	14	147	147	NUM
cjfa-20691	82	15	)	)	PUNCT
cjfa-20691	82	16	.	.	PUNCT
cjfa-20691	83	1	the	the	DET
cjfa-20691	83	2	available	available	ADJ
cjfa-20691	83	3	back	back	ADV
cjfa-20691	83	4	then	then	ADV
cjfa-20691	83	5	generations	generation	NOUN
cjfa-20691	83	6	of	of	ADP
cjfa-20691	83	7	mobile	mobile	ADJ
cjfa-20691	83	8	phones	phone	NOUN
cjfa-20691	83	9	did	do	AUX
cjfa-20691	83	10	not	not	PART
cjfa-20691	83	11	meet	meet	VERB
cjfa-20691	83	12	the	the	DET
cjfa-20691	83	13	technical	technical	ADJ
cjfa-20691	83	14	requirements	requirement	NOUN
cjfa-20691	83	15	,	,	PUNCT
cjfa-20691	83	16	which	which	PRON
cjfa-20691	83	17	was	be	AUX
cjfa-20691	83	18	somehow	somehow	ADV
cjfa-20691	83	19	constraining	constrain	VERB
cjfa-20691	83	20	the	the	DET
cjfa-20691	83	21	development	development	NOUN
cjfa-20691	83	22	of	of	ADP
cjfa-20691	83	23	mobile	mobile	ADJ
cjfa-20691	83	24	banking	banking	NOUN
cjfa-20691	83	25	applications	application	NOUN
cjfa-20691	83	26	(	(	PUNCT
cjfa-20691	83	27	bolibok	bolibok	PROPN
cjfa-20691	83	28	&	&	CCONJ
cjfa-20691	83	29	matras	matras	PROPN
cjfa-20691	83	30	-	-	PUNCT
cjfa-20691	83	31	bolibok	bolibok	PROPN
cjfa-20691	83	32	,	,	PUNCT
cjfa-20691	83	33	2014	2014	NUM
cjfa-20691	83	34	,	,	PUNCT
cjfa-20691	83	35	pp	pp	ADJ
cjfa-20691	83	36	.	.	PUNCT
cjfa-20691	84	1	9–10	9–10	NUM
cjfa-20691	84	2	)	)	PUNCT
cjfa-20691	84	3	.	.	PUNCT
cjfa-20691	85	1	but	but	CCONJ
cjfa-20691	85	2	when	when	SCONJ
cjfa-20691	85	3	the	the	DET
cjfa-20691	85	4	availability	availability	NOUN
cjfa-20691	85	5	of	of	ADP
cjfa-20691	85	6	smartphones	smartphone	NOUN
cjfa-20691	85	7	increased	increase	VERB
cjfa-20691	85	8	on	on	ADP
cjfa-20691	85	9	the	the	DET
cjfa-20691	85	10	market	market	NOUN
cjfa-20691	85	11	and	and	CCONJ
cjfa-20691	85	12	the	the	DET
cjfa-20691	85	13	vendors	vendor	NOUN
cjfa-20691	85	14	of	of	ADP
cjfa-20691	85	15	mobile	mobile	ADJ
cjfa-20691	85	16	networks	network	NOUN
cjfa-20691	85	17	significantly	significantly	ADV
cjfa-20691	85	18	reduced	reduce	VERB
cjfa-20691	85	19	the	the	DET
cjfa-20691	85	20	costs	cost	NOUN
cjfa-20691	85	21	of	of	ADP
cjfa-20691	85	22	internet	internet	NOUN
cjfa-20691	85	23	data	datum	NOUN
cjfa-20691	85	24	transfer	transfer	NOUN
cjfa-20691	85	25	,	,	PUNCT
cjfa-20691	85	26	mobile	mobile	ADJ
cjfa-20691	85	27	devices	device	NOUN
cjfa-20691	85	28	became	become	VERB
cjfa-20691	85	29	tools	tool	NOUN
cjfa-20691	85	30	for	for	ADP
cjfa-20691	85	31	the	the	DET
cjfa-20691	85	32	consumption	consumption	NOUN
cjfa-20691	85	33	of	of	ADP
cjfa-20691	85	34	goods	good	NOUN
cjfa-20691	85	35	and	and	CCONJ
cjfa-20691	85	36	services	service	NOUN
cjfa-20691	85	37	(	(	PUNCT
cjfa-20691	85	38	kaczmarek	kaczmarek	PROPN
cjfa-20691	85	39	,	,	PUNCT
cjfa-20691	85	40	2018	2018	NUM
cjfa-20691	85	41	,	,	PUNCT
cjfa-20691	85	42	p.	p.	NOUN
cjfa-20691	85	43	146	146	NUM
cjfa-20691	85	44	)	)	PUNCT
cjfa-20691	85	45	.	.	PUNCT
cjfa-20691	86	1	the	the	DET
cjfa-20691	86	2	smartphones	smartphone	NOUN
cjfa-20691	86	3	have	have	AUX
cjfa-20691	86	4	become	become	VERB
cjfa-20691	86	5	bearers	bearer	NOUN
cjfa-20691	86	6	of	of	ADP
cjfa-20691	86	7	new	new	ADJ
cjfa-20691	86	8	functionalities	functionality	NOUN
cjfa-20691	86	9	–	–	PUNCT
cjfa-20691	86	10	from	from	ADP
cjfa-20691	86	11	now	now	ADV
cjfa-20691	86	12	on	on	ADP
cjfa-20691	86	13	these	these	DET
cjfa-20691	86	14	devices	device	NOUN
cjfa-20691	86	15	could	could	AUX
cjfa-20691	86	16	be	be	AUX
cjfa-20691	86	17	used	use	VERB
cjfa-20691	86	18	not	not	PART
cjfa-20691	86	19	only	only	ADV
cjfa-20691	86	20	for	for	ADP
cjfa-20691	86	21	making	make	VERB
cjfa-20691	86	22	calls	call	NOUN
cjfa-20691	86	23	,	,	PUNCT
cjfa-20691	86	24	sending	send	VERB
cjfa-20691	86	25	the	the	DET
cjfa-20691	86	26	usage	usage	NOUN
cjfa-20691	86	27	of	of	ADP
cjfa-20691	86	28	mobile	mobile	ADJ
cjfa-20691	86	29	banking	banking	NOUN
cjfa-20691	86	30	applications	application	NOUN
cjfa-20691	86	31	in	in	ADP
cjfa-20691	86	32	poland	poland	PROPN
cjfa-20691	86	33	…	…	PUNCT
cjfa-20691	86	34	15	15	NUM
cjfa-20691	86	35	messages	message	NOUN
cjfa-20691	86	36	or	or	CCONJ
cjfa-20691	86	37	using	use	VERB
cjfa-20691	86	38	the	the	DET
cjfa-20691	86	39	internet	internet	NOUN
cjfa-20691	86	40	,	,	PUNCT
cjfa-20691	86	41	but	but	CCONJ
cjfa-20691	86	42	also	also	ADV
cjfa-20691	86	43	for	for	ADP
cjfa-20691	86	44	financial	financial	ADJ
cjfa-20691	86	45	purposes	purpose	NOUN
cjfa-20691	86	46	(	(	PUNCT
cjfa-20691	86	47	świecka	świecka	NOUN
cjfa-20691	86	48	,	,	PUNCT
cjfa-20691	86	49	2015	2015	NUM
cjfa-20691	86	50	,	,	PUNCT
cjfa-20691	86	51	pp	pp	ADJ
cjfa-20691	86	52	.	.	PUNCT
cjfa-20691	86	53	32–33	32–33	NUM
cjfa-20691	86	54	)	)	PUNCT
cjfa-20691	86	55	.	.	PUNCT
cjfa-20691	87	1	hence	hence	ADV
cjfa-20691	87	2	,	,	PUNCT
cjfa-20691	87	3	the	the	DET
cjfa-20691	87	4	interest	interest	NOUN
cjfa-20691	87	5	in	in	ADP
cjfa-20691	87	6	the	the	DET
cjfa-20691	87	7	mobile	mobile	ADJ
cjfa-20691	87	8	channel	channel	NOUN
cjfa-20691	87	9	increased	increase	VERB
cjfa-20691	87	10	among	among	ADP
cjfa-20691	87	11	banks	bank	NOUN
cjfa-20691	87	12	and	and	CCONJ
cjfa-20691	87	13	in	in	ADP
cjfa-20691	87	14	subsequent	subsequent	ADJ
cjfa-20691	87	15	years	year	NOUN
cjfa-20691	87	16	,	,	PUNCT
cjfa-20691	87	17	banks	bank	NOUN
cjfa-20691	87	18	began	begin	VERB
cjfa-20691	87	19	to	to	PART
cjfa-20691	87	20	implement	implement	VERB
cjfa-20691	87	21	their	their	PRON
cjfa-20691	87	22	own	own	ADJ
cjfa-20691	87	23	mobile	mobile	ADJ
cjfa-20691	87	24	applications	application	NOUN
cjfa-20691	87	25	(	(	PUNCT
cjfa-20691	87	26	świecka	świecka	NOUN
cjfa-20691	87	27	,	,	PUNCT
cjfa-20691	87	28	2015	2015	NUM
cjfa-20691	87	29	,	,	PUNCT
cjfa-20691	87	30	pp	pp	ADJ
cjfa-20691	87	31	.	.	PUNCT
cjfa-20691	88	1	32–33	32–33	NUM
cjfa-20691	88	2	,	,	PUNCT
cjfa-20691	88	3	kaczmarek	kaczmarek	PROPN
cjfa-20691	88	4	,	,	PUNCT
cjfa-20691	88	5	2018	2018	NUM
cjfa-20691	88	6	,	,	PUNCT
cjfa-20691	88	7	p.	p.	NOUN
cjfa-20691	88	8	146	146	NUM
cjfa-20691	88	9	)	)	PUNCT
cjfa-20691	88	10	.	.	PUNCT
cjfa-20691	89	1	until	until	ADP
cjfa-20691	89	2	2010	2010	NUM
cjfa-20691	89	3	,	,	PUNCT
cjfa-20691	89	4	only	only	ADV
cjfa-20691	89	5	the	the	DET
cjfa-20691	89	6	raiffeisen	raiffeisen	PROPN
cjfa-20691	89	7	bank	bank	PROPN
cjfa-20691	89	8	offered	offer	VERB
cjfa-20691	89	9	this	this	DET
cjfa-20691	89	10	kind	kind	NOUN
cjfa-20691	89	11	of	of	ADP
cjfa-20691	89	12	application	application	NOUN
cjfa-20691	89	13	,	,	PUNCT
cjfa-20691	89	14	whereas	whereas	SCONJ
cjfa-20691	89	15	in	in	ADP
cjfa-20691	89	16	2012	2012	NUM
cjfa-20691	89	17	the	the	DET
cjfa-20691	89	18	number	number	NOUN
cjfa-20691	89	19	of	of	ADP
cjfa-20691	89	20	banks	bank	NOUN
cjfa-20691	89	21	offering	offer	VERB
cjfa-20691	89	22	mobile	mobile	ADJ
cjfa-20691	89	23	applications	application	NOUN
cjfa-20691	89	24	increased	increase	VERB
cjfa-20691	89	25	to	to	ADP
cjfa-20691	89	26	12	12	NUM
cjfa-20691	89	27	(	(	PUNCT
cjfa-20691	89	28	hassa	hassa	NOUN
cjfa-20691	89	29	,	,	PUNCT
cjfa-20691	89	30	2013	2013	NUM
cjfa-20691	89	31	,	,	PUNCT
cjfa-20691	89	32	pp	pp	ADJ
cjfa-20691	89	33	.	.	PUNCT
cjfa-20691	90	1	42–43	42–43	NUM
cjfa-20691	90	2	)	)	PUNCT
cjfa-20691	90	3	.	.	PUNCT
cjfa-20691	91	1	mobile	mobile	ADJ
cjfa-20691	91	2	banking	banking	NOUN
cjfa-20691	91	3	also	also	ADV
cjfa-20691	91	4	positively	positively	ADV
cjfa-20691	91	5	influenced	influence	VERB
cjfa-20691	91	6	the	the	DET
cjfa-20691	91	7	development	development	NOUN
cjfa-20691	91	8	of	of	ADP
cjfa-20691	91	9	mobile	mobile	ADJ
cjfa-20691	91	10	payments	payment	NOUN
cjfa-20691	91	11	technologies	technology	NOUN
cjfa-20691	91	12	–	–	PUNCT
cjfa-20691	91	13	one	one	NUM
cjfa-20691	91	14	of	of	ADP
cjfa-20691	91	15	them	they	PRON
cjfa-20691	91	16	,	,	PUNCT
cjfa-20691	91	17	nfc	nfc	NOUN
cjfa-20691	91	18	(	(	PUNCT
cjfa-20691	91	19	near	near	ADP
cjfa-20691	91	20	field	field	NOUN
cjfa-20691	91	21	communication	communication	NOUN
cjfa-20691	91	22	)	)	PUNCT
cjfa-20691	91	23	,	,	PUNCT
cjfa-20691	91	24	is	be	AUX
cjfa-20691	91	25	based	base	VERB
cjfa-20691	91	26	on	on	ADP
cjfa-20691	91	27	a	a	DET
cjfa-20691	91	28	developed	develop	VERB
cjfa-20691	91	29	version	version	NOUN
cjfa-20691	91	30	of	of	ADP
cjfa-20691	91	31	rfid	rfid	NOUN
cjfa-20691	91	32	technology	technology	NOUN
cjfa-20691	91	33	and	and	CCONJ
cjfa-20691	91	34	since	since	SCONJ
cjfa-20691	91	35	its	its	PRON
cjfa-20691	91	36	first	first	ADJ
cjfa-20691	91	37	use	use	NOUN
cjfa-20691	91	38	in	in	ADP
cjfa-20691	91	39	mobile	mobile	ADJ
cjfa-20691	91	40	devices	device	NOUN
cjfa-20691	91	41	,	,	PUNCT
cjfa-20691	91	42	it	it	PRON
cjfa-20691	91	43	still	still	ADV
cjfa-20691	91	44	appears	appear	VERB
cjfa-20691	91	45	as	as	ADP
cjfa-20691	91	46	the	the	DET
cjfa-20691	91	47	most	most	ADV
cjfa-20691	91	48	likely	likely	ADJ
cjfa-20691	91	49	line	line	NOUN
cjfa-20691	91	50	of	of	ADP
cjfa-20691	91	51	development	development	NOUN
cjfa-20691	91	52	of	of	ADP
cjfa-20691	91	53	contactless	contactless	ADJ
cjfa-20691	91	54	retail	retail	ADJ
cjfa-20691	91	55	payments	payment	NOUN
cjfa-20691	91	56	(	(	PUNCT
cjfa-20691	91	57	polasik	polasik	NOUN
cjfa-20691	91	58	,	,	PUNCT
cjfa-20691	91	59	wisniewski	wisniewski	PROPN
cjfa-20691	91	60	&	&	CCONJ
cjfa-20691	91	61	lightfoot	lightfoot	PROPN
cjfa-20691	91	62	,	,	PUNCT
cjfa-20691	91	63	2012	2012	NUM
cjfa-20691	91	64	,	,	PUNCT
cjfa-20691	91	65	p.	p.	NOUN
cjfa-20691	91	66	212	212	NUM
cjfa-20691	91	67	)	)	PUNCT
cjfa-20691	91	68	.	.	PUNCT
cjfa-20691	92	1	nfc	nfc	NOUN
cjfa-20691	92	2	payments	payment	NOUN
cjfa-20691	92	3	enable	enable	VERB
cjfa-20691	92	4	making	make	VERB
cjfa-20691	92	5	payments	payment	NOUN
cjfa-20691	92	6	on	on	ADP
cjfa-20691	92	7	a	a	DET
cjfa-20691	92	8	eft	eft	ADJ
cjfa-20691	92	9	-	-	PUNCT
cjfa-20691	92	10	pos	pos	NOUN
cjfa-20691	92	11	terminal	terminal	NOUN
cjfa-20691	92	12	,	,	PUNCT
cjfa-20691	92	13	with	with	ADP
cjfa-20691	92	14	the	the	DET
cjfa-20691	92	15	use	use	NOUN
cjfa-20691	92	16	of	of	ADP
cjfa-20691	92	17	a	a	DET
cjfa-20691	92	18	mobile	mobile	ADJ
cjfa-20691	92	19	device	device	NOUN
cjfa-20691	92	20	(	(	PUNCT
cjfa-20691	92	21	polasik	polasik	NOUN
cjfa-20691	92	22	&	&	CCONJ
cjfa-20691	92	23	kumkowska	kumkowska	PROPN
cjfa-20691	92	24	,	,	PUNCT
cjfa-20691	92	25	2015	2015	NUM
cjfa-20691	92	26	,	,	PUNCT
cjfa-20691	92	27	p.	p.	NOUN
cjfa-20691	92	28	103	103	NUM
cjfa-20691	92	29	)	)	PUNCT
cjfa-20691	92	30	.	.	PUNCT
cjfa-20691	93	1	since	since	SCONJ
cjfa-20691	93	2	2012	2012	NUM
cjfa-20691	93	3	,	,	PUNCT
cjfa-20691	93	4	the	the	DET
cjfa-20691	93	5	possibility	possibility	NOUN
cjfa-20691	93	6	of	of	ADP
cjfa-20691	93	7	integrating	integrate	VERB
cjfa-20691	93	8	a	a	DET
cjfa-20691	93	9	payment	payment	NOUN
cjfa-20691	93	10	card	card	NOUN
cjfa-20691	93	11	with	with	ADP
cjfa-20691	93	12	a	a	DET
cjfa-20691	93	13	smartphone	smartphone	NOUN
cjfa-20691	93	14	and	and	CCONJ
cjfa-20691	93	15	making	make	VERB
cjfa-20691	93	16	payments	payment	NOUN
cjfa-20691	93	17	using	use	VERB
cjfa-20691	93	18	a	a	DET
cjfa-20691	93	19	mobile	mobile	ADJ
cjfa-20691	93	20	phone	phone	NOUN
cjfa-20691	93	21	equipped	equip	VERB
cjfa-20691	93	22	with	with	ADP
cjfa-20691	93	23	a	a	DET
cjfa-20691	93	24	special	special	ADJ
cjfa-20691	93	25	sim	sim	ADJ
cjfa-20691	93	26	card	card	NOUN
cjfa-20691	93	27	containing	contain	VERB
cjfa-20691	93	28	an	an	DET
cjfa-20691	93	29	nfc	nfc	NOUN
cjfa-20691	93	30	module	module	NOUN
cjfa-20691	93	31	,	,	PUNCT
cjfa-20691	93	32	became	become	VERB
cjfa-20691	93	33	another	another	DET
cjfa-20691	93	34	feature	feature	NOUN
cjfa-20691	93	35	of	of	ADP
cjfa-20691	93	36	mobile	mobile	ADJ
cjfa-20691	93	37	banking	banking	NOUN
cjfa-20691	93	38	in	in	ADP
cjfa-20691	93	39	poland	poland	PROPN
cjfa-20691	93	40	(	(	PUNCT
cjfa-20691	93	41	świecka	świecka	NOUN
cjfa-20691	93	42	,	,	PUNCT
cjfa-20691	93	43	2015	2015	NUM
cjfa-20691	93	44	,	,	PUNCT
cjfa-20691	93	45	p.	p.	NOUN
cjfa-20691	93	46	34	34	NUM
cjfa-20691	93	47	;	;	PUNCT
cjfa-20691	93	48	wolna	wolna	PROPN
cjfa-20691	93	49	,	,	PUNCT
cjfa-20691	93	50	2015	2015	NUM
cjfa-20691	93	51	,	,	PUNCT
cjfa-20691	93	52	p.	p.	NOUN
cjfa-20691	93	53	163	163	NUM
cjfa-20691	93	54	)	)	PUNCT
cjfa-20691	93	55	.	.	PUNCT
cjfa-20691	94	1	less	less	ADJ
cjfa-20691	94	2	than	than	ADP
cjfa-20691	94	3	two	two	NUM
cjfa-20691	94	4	years	year	NOUN
cjfa-20691	94	5	later	later	ADV
cjfa-20691	94	6	,	,	PUNCT
cjfa-20691	94	7	the	the	DET
cjfa-20691	94	8	use	use	NOUN
cjfa-20691	94	9	of	of	ADP
cjfa-20691	94	10	an	an	DET
cjfa-20691	94	11	nfc	nfc	NOUN
cjfa-20691	94	12	-	-	PUNCT
cjfa-20691	94	13	based	base	VERB
cjfa-20691	94	14	payment	payment	NOUN
cjfa-20691	94	15	solution	solution	NOUN
cjfa-20691	94	16	has	have	AUX
cjfa-20691	94	17	been	be	AUX
cjfa-20691	94	18	somewhat	somewhat	ADV
cjfa-20691	94	19	simplified	simplified	ADJ
cjfa-20691	94	20	–	–	PUNCT
cjfa-20691	94	21	the	the	DET
cjfa-20691	94	22	bank	bank	NOUN
cjfa-20691	94	23	pekao	pekao	NOUN
cjfa-20691	94	24	in	in	ADP
cjfa-20691	94	25	cooperation	cooperation	NOUN
cjfa-20691	94	26	with	with	ADP
cjfa-20691	94	27	the	the	DET
cjfa-20691	94	28	mastercard	mastercard	NOUN
cjfa-20691	94	29	introduced	introduce	VERB
cjfa-20691	94	30	the	the	DET
cjfa-20691	94	31	hce	hce	PROPN
cjfa-20691	94	32	(	(	PUNCT
cjfa-20691	94	33	host	host	NOUN
cjfa-20691	94	34	card	card	NOUN
cjfa-20691	94	35	emulation	emulation	NOUN
cjfa-20691	94	36	)	)	PUNCT
cjfa-20691	94	37	solution	solution	NOUN
cjfa-20691	94	38	.	.	PUNCT
cjfa-20691	95	1	it	it	PRON
cjfa-20691	95	2	is	be	AUX
cjfa-20691	95	3	based	base	VERB
cjfa-20691	95	4	on	on	ADP
cjfa-20691	95	5	a	a	DET
cjfa-20691	95	6	mobile	mobile	ADJ
cjfa-20691	95	7	banking	banking	NOUN
cjfa-20691	95	8	application	application	NOUN
cjfa-20691	95	9	linked	link	VERB
cjfa-20691	95	10	to	to	ADP
cjfa-20691	95	11	a	a	DET
cjfa-20691	95	12	personal	personal	ADJ
cjfa-20691	95	13	banking	banking	NOUN
cjfa-20691	95	14	account	account	NOUN
cjfa-20691	95	15	and	and	CCONJ
cjfa-20691	95	16	offers	offer	VERB
cjfa-20691	95	17	its	its	PRON
cjfa-20691	95	18	customers	customer	NOUN
cjfa-20691	95	19	the	the	DET
cjfa-20691	95	20	possibility	possibility	NOUN
cjfa-20691	95	21	of	of	ADP
cjfa-20691	95	22	contactless	contactless	ADJ
cjfa-20691	95	23	payments	payment	NOUN
cjfa-20691	95	24	without	without	ADP
cjfa-20691	95	25	employing	employ	VERB
cjfa-20691	95	26	a	a	DET
cjfa-20691	95	27	special	special	ADJ
cjfa-20691	95	28	sim	sim	ADJ
cjfa-20691	95	29	card	card	NOUN
cjfa-20691	95	30	(	(	PUNCT
cjfa-20691	95	31	polasik	polasik	NOUN
cjfa-20691	95	32	&	&	CCONJ
cjfa-20691	95	33	kumkowska	kumkowska	PROPN
cjfa-20691	95	34	2015	2015	NUM
cjfa-20691	95	35	,	,	PUNCT
cjfa-20691	95	36	p.	p.	NOUN
cjfa-20691	95	37	107	107	NUM
cjfa-20691	95	38	;	;	PUNCT
cjfa-20691	95	39	www2	www2	PROPN
cjfa-20691	95	40	)	)	PUNCT
cjfa-20691	95	41	.	.	PUNCT
cjfa-20691	96	1	at	at	ADP
cjfa-20691	96	2	that	that	DET
cjfa-20691	96	3	time	time	NOUN
cjfa-20691	96	4	,	,	PUNCT
cjfa-20691	96	5	the	the	DET
cjfa-20691	96	6	research	research	NOUN
cjfa-20691	96	7	conducted	conduct	VERB
cjfa-20691	96	8	by	by	ADP
cjfa-20691	96	9	m.	m.	NOUN
cjfa-20691	96	10	polasik	polasik	PROPN
cjfa-20691	96	11	,	,	PUNCT
cjfa-20691	96	12	j.	j.	PROPN
cjfa-20691	96	13	górka	górka	PROPN
cjfa-20691	96	14	,	,	PUNCT
cjfa-20691	96	15	g.	g.	PROPN
cjfa-20691	96	16	wilczewski	wilczewski	PROPN
cjfa-20691	96	17	,	,	PUNCT
cjfa-20691	96	18	j.	j.	PROPN
cjfa-20691	96	19	kunkowski	kunkowski	PROPN
cjfa-20691	96	20	,	,	PUNCT
cjfa-20691	96	21	k.	k.	PROPN
cjfa-20691	96	22	przenajkowska	przenajkowska	PROPN
cjfa-20691	96	23	and	and	CCONJ
cjfa-20691	96	24	n.	n.	PROPN
cjfa-20691	96	25	tetkowska	tetkowska	PROPN
cjfa-20691	96	26	(	(	PUNCT
cjfa-20691	96	27	2013	2013	NUM
cjfa-20691	96	28	,	,	PUNCT
cjfa-20691	96	29	pp	pp	ADJ
cjfa-20691	96	30	.	.	PUNCT
cjfa-20691	97	1	317–318	317–318	NUM
cjfa-20691	97	2	)	)	PUNCT
cjfa-20691	97	3	has	have	AUX
cjfa-20691	97	4	proven	prove	VERB
cjfa-20691	97	5	,	,	PUNCT
cjfa-20691	97	6	that	that	SCONJ
cjfa-20691	97	7	the	the	DET
cjfa-20691	97	8	contactless	contactless	NOUN
cjfa-20691	97	9	payments	payment	NOUN
cjfa-20691	97	10	,	,	PUNCT
cjfa-20691	97	11	including	include	VERB
cjfa-20691	97	12	mobile	mobile	ADJ
cjfa-20691	97	13	payments	payment	NOUN
cjfa-20691	97	14	are	be	AUX
cjfa-20691	97	15	quick	quick	ADJ
cjfa-20691	97	16	,	,	PUNCT
cjfa-20691	97	17	convenient	convenient	ADJ
cjfa-20691	97	18	,	,	PUNCT
cjfa-20691	97	19	attractive	attractive	ADJ
cjfa-20691	97	20	for	for	ADP
cjfa-20691	97	21	customers	customer	NOUN
cjfa-20691	97	22	,	,	PUNCT
cjfa-20691	97	23	and	and	CCONJ
cjfa-20691	97	24	the	the	DET
cjfa-20691	97	25	development	development	NOUN
cjfa-20691	97	26	of	of	ADP
cjfa-20691	97	27	contactless	contactless	ADJ
cjfa-20691	97	28	mobile	mobile	ADJ
cjfa-20691	97	29	payments	payment	NOUN
cjfa-20691	97	30	including	include	VERB
cjfa-20691	97	31	nfc	nfc	NOUN
cjfa-20691	97	32	,	,	PUNCT
cjfa-20691	97	33	should	should	AUX
cjfa-20691	97	34	be	be	AUX
cjfa-20691	97	35	expected	expect	VERB
cjfa-20691	97	36	.	.	PUNCT
cjfa-20691	98	1	together	together	ADV
cjfa-20691	98	2	with	with	ADP
cjfa-20691	98	3	the	the	DET
cjfa-20691	98	4	increasing	increase	VERB
cjfa-20691	98	5	number	number	NOUN
cjfa-20691	98	6	of	of	ADP
cjfa-20691	98	7	institutions	institution	NOUN
cjfa-20691	98	8	offering	offer	VERB
cjfa-20691	98	9	the	the	DET
cjfa-20691	98	10	most	most	ADV
cjfa-20691	98	11	upto	upto	ADJ
cjfa-20691	98	12	-	-	PUNCT
cjfa-20691	98	13	date	date	NOUN
cjfa-20691	98	14	solutions	solution	NOUN
cjfa-20691	98	15	in	in	ADP
cjfa-20691	98	16	mobile	mobile	ADJ
cjfa-20691	98	17	banking	banking	NOUN
cjfa-20691	98	18	applications	application	NOUN
cjfa-20691	98	19	and	and	CCONJ
cjfa-20691	98	20	the	the	DET
cjfa-20691	98	21	growing	grow	VERB
cjfa-20691	98	22	popularity	popularity	NOUN
cjfa-20691	98	23	of	of	ADP
cjfa-20691	98	24	smartphones	smartphone	NOUN
cjfa-20691	98	25	,	,	PUNCT
cjfa-20691	98	26	the	the	DET
cjfa-20691	98	27	number	number	NOUN
cjfa-20691	98	28	of	of	ADP
cjfa-20691	98	29	active	active	ADJ
cjfa-20691	98	30	mobile	mobile	ADJ
cjfa-20691	98	31	banking	banking	NOUN
cjfa-20691	98	32	users	user	NOUN
cjfa-20691	98	33	has	have	AUX
cjfa-20691	98	34	been	be	AUX
cjfa-20691	98	35	also	also	ADV
cjfa-20691	98	36	systematically	systematically	ADV
cjfa-20691	98	37	raising	raise	VERB
cjfa-20691	98	38	.	.	PUNCT
cjfa-20691	99	1	the	the	DET
cjfa-20691	99	2	figure	figure	NOUN
cjfa-20691	99	3	1	1	NUM
cjfa-20691	99	4	presents	present	VERB
cjfa-20691	99	5	the	the	DET
cjfa-20691	99	6	aforementioned	aforementioned	ADJ
cjfa-20691	99	7	tendency	tendency	NOUN
cjfa-20691	99	8	,	,	PUNCT
cjfa-20691	99	9	comparing	compare	VERB
cjfa-20691	99	10	it	it	PRON
cjfa-20691	99	11	at	at	ADP
cjfa-20691	99	12	the	the	DET
cjfa-20691	99	13	same	same	ADJ
cjfa-20691	99	14	time	time	NOUN
cjfa-20691	99	15	to	to	ADP
cjfa-20691	99	16	the	the	DET
cjfa-20691	99	17	number	number	NOUN
cjfa-20691	99	18	of	of	ADP
cjfa-20691	99	19	active	active	ADJ
cjfa-20691	99	20	users	user	NOUN
cjfa-20691	99	21	of	of	ADP
cjfa-20691	99	22	online	online	ADJ
cjfa-20691	99	23	banking	banking	NOUN
cjfa-20691	99	24	.	.	PUNCT
cjfa-20691	100	1	the	the	DET
cjfa-20691	100	2	purpose	purpose	NOUN
cjfa-20691	100	3	of	of	ADP
cjfa-20691	100	4	both	both	DET
cjfa-20691	100	5	channels	channel	NOUN
cjfa-20691	100	6	comparison	comparison	NOUN
cjfa-20691	100	7	is	be	AUX
cjfa-20691	100	8	to	to	PART
cjfa-20691	100	9	show	show	VERB
cjfa-20691	100	10	a	a	DET
cjfa-20691	100	11	decreasing	decrease	VERB
cjfa-20691	100	12	difference	difference	NOUN
cjfa-20691	100	13	between	between	ADP
cjfa-20691	100	14	the	the	DET
cjfa-20691	100	15	number	number	NOUN
cjfa-20691	100	16	of	of	ADP
cjfa-20691	100	17	users	user	NOUN
cjfa-20691	100	18	occurring	occur	VERB
cjfa-20691	100	19	among	among	ADP
cjfa-20691	100	20	mobile	mobile	ADJ
cjfa-20691	100	21	and	and	CCONJ
cjfa-20691	100	22	online	online	ADJ
cjfa-20691	100	23	banking	banking	NOUN
cjfa-20691	100	24	.	.	PUNCT
cjfa-20691	101	1	mikołaj	mikołaj	NOUN
cjfa-20691	101	2	borowski	borowski	NOUN
cjfa-20691	101	3	-	-	PUNCT
cjfa-20691	101	4	beszta	beszta	ADJ
cjfa-20691	101	5	,	,	PUNCT
cjfa-20691	101	6	anna	anna	PROPN
cjfa-20691	101	7	kiermas16	kiermas16	PROPN
cjfa-20691	101	8	figure	figure	PROPN
cjfa-20691	101	9	1	1	NUM
cjfa-20691	101	10	.	.	PUNCT
cjfa-20691	102	1	the	the	DET
cjfa-20691	102	2	number	number	NOUN
cjfa-20691	102	3	of	of	ADP
cjfa-20691	102	4	active	active	ADJ
cjfa-20691	102	5	users	user	NOUN
cjfa-20691	102	6	of	of	ADP
cjfa-20691	102	7	online	online	ADJ
cjfa-20691	102	8	and	and	CCONJ
cjfa-20691	102	9	mobile	mobile	ADJ
cjfa-20691	102	10	banking	banking	NOUN
cjfa-20691	102	11	in	in	ADP
cjfa-20691	102	12	2014–2018	2014–2018	NUM
cjfa-20691	102	13	(	(	PUNCT
cjfa-20691	102	14	in	in	ADP
cjfa-20691	102	15	millions	million	NOUN
cjfa-20691	102	16	)	)	PUNCT
cjfa-20691	102	17	using	use	VERB
cjfa-20691	102	18	a	a	DET
cjfa-20691	102	19	mobile	mobile	ADJ
cjfa-20691	102	20	phone	phone	NOUN
cjfa-20691	102	21	equipped	equip	VERB
cjfa-20691	102	22	with	with	ADP
cjfa-20691	102	23	a	a	DET
cjfa-20691	102	24	special	special	ADJ
cjfa-20691	102	25	sim	sim	ADJ
cjfa-20691	102	26	card	card	NOUN
cjfa-20691	102	27	containing	contain	VERB
cjfa-20691	102	28	an	an	DET
cjfa-20691	102	29	nfc	nfc	NOUN
cjfa-20691	102	30	module	module	NOUN
cjfa-20691	102	31	,	,	PUNCT
cjfa-20691	102	32	became	become	VERB
cjfa-20691	102	33	another	another	DET
cjfa-20691	102	34	feature	feature	NOUN
cjfa-20691	102	35	of	of	ADP
cjfa-20691	102	36	mobile	mobile	ADJ
cjfa-20691	102	37	banking	banking	NOUN
cjfa-20691	102	38	in	in	ADP
cjfa-20691	102	39	poland	poland	PROPN
cjfa-20691	102	40	(	(	PUNCT
cjfa-20691	102	41	świecka	świecka	NOUN
cjfa-20691	102	42	,	,	PUNCT
cjfa-20691	102	43	2015	2015	NUM
cjfa-20691	102	44	,	,	PUNCT
cjfa-20691	102	45	p.	p.	NOUN
cjfa-20691	102	46	34	34	NUM
cjfa-20691	102	47	;	;	PUNCT
cjfa-20691	102	48	wolna	wolna	PROPN
cjfa-20691	102	49	,	,	PUNCT
cjfa-20691	102	50	2015	2015	NUM
cjfa-20691	102	51	,	,	PUNCT
cjfa-20691	102	52	p.	p.	NOUN
cjfa-20691	102	53	163	163	NUM
cjfa-20691	102	54	)	)	PUNCT
cjfa-20691	102	55	.	.	PUNCT
cjfa-20691	103	1	less	less	ADJ
cjfa-20691	103	2	than	than	ADP
cjfa-20691	103	3	two	two	NUM
cjfa-20691	103	4	years	year	NOUN
cjfa-20691	103	5	later	later	ADV
cjfa-20691	103	6	,	,	PUNCT
cjfa-20691	103	7	the	the	DET
cjfa-20691	103	8	use	use	NOUN
cjfa-20691	103	9	of	of	ADP
cjfa-20691	103	10	an	an	DET
cjfa-20691	103	11	nfc	nfc	NOUN
cjfa-20691	103	12	-	-	PUNCT
cjfa-20691	103	13	based	base	VERB
cjfa-20691	103	14	payment	payment	NOUN
cjfa-20691	103	15	solution	solution	NOUN
cjfa-20691	103	16	has	have	AUX
cjfa-20691	103	17	been	be	AUX
cjfa-20691	103	18	somewhat	somewhat	ADV
cjfa-20691	103	19	simplified	simplified	ADJ
cjfa-20691	103	20	–	–	PUNCT
cjfa-20691	103	21	the	the	DET
cjfa-20691	103	22	bank	bank	NOUN
cjfa-20691	103	23	pekao	pekao	NOUN
cjfa-20691	103	24	in	in	ADP
cjfa-20691	103	25	cooperation	cooperation	NOUN
cjfa-20691	103	26	with	with	ADP
cjfa-20691	103	27	the	the	DET
cjfa-20691	103	28	mastercard	mastercard	NOUN
cjfa-20691	103	29	introduced	introduce	VERB
cjfa-20691	103	30	the	the	DET
cjfa-20691	103	31	hce	hce	PROPN
cjfa-20691	103	32	(	(	PUNCT
cjfa-20691	103	33	host	host	NOUN
cjfa-20691	103	34	card	card	NOUN
cjfa-20691	103	35	emulation	emulation	NOUN
cjfa-20691	103	36	)	)	PUNCT
cjfa-20691	103	37	solution	solution	NOUN
cjfa-20691	103	38	.	.	PUNCT
cjfa-20691	104	1	it	it	PRON
cjfa-20691	104	2	is	be	AUX
cjfa-20691	104	3	based	base	VERB
cjfa-20691	104	4	on	on	ADP
cjfa-20691	104	5	a	a	DET
cjfa-20691	104	6	mobile	mobile	ADJ
cjfa-20691	104	7	banking	banking	NOUN
cjfa-20691	104	8	application	application	NOUN
cjfa-20691	104	9	linked	link	VERB
cjfa-20691	104	10	to	to	ADP
cjfa-20691	104	11	a	a	DET
cjfa-20691	104	12	personal	personal	ADJ
cjfa-20691	104	13	banking	banking	NOUN
cjfa-20691	104	14	account	account	NOUN
cjfa-20691	104	15	and	and	CCONJ
cjfa-20691	104	16	offers	offer	VERB
cjfa-20691	104	17	its	its	PRON
cjfa-20691	104	18	customers	customer	NOUN
cjfa-20691	104	19	the	the	DET
cjfa-20691	104	20	possibility	possibility	NOUN
cjfa-20691	104	21	of	of	ADP
cjfa-20691	104	22	contactless	contactless	ADJ
cjfa-20691	104	23	payments	payment	NOUN
cjfa-20691	104	24	without	without	ADP
cjfa-20691	104	25	employing	employ	VERB
cjfa-20691	104	26	a	a	DET
cjfa-20691	104	27	special	special	ADJ
cjfa-20691	104	28	sim	sim	ADJ
cjfa-20691	104	29	card	card	NOUN
cjfa-20691	104	30	(	(	PUNCT
cjfa-20691	104	31	polasik	polasik	NOUN
cjfa-20691	104	32	&	&	CCONJ
cjfa-20691	104	33	kumkowska	kumkowska	PROPN
cjfa-20691	104	34	2015	2015	NUM
cjfa-20691	104	35	,	,	PUNCT
cjfa-20691	104	36	p.	p.	NOUN
cjfa-20691	104	37	107	107	NUM
cjfa-20691	104	38	;	;	PUNCT
cjfa-20691	104	39	www2	www2	PROPN
cjfa-20691	104	40	)	)	PUNCT
cjfa-20691	104	41	.	.	PUNCT
cjfa-20691	105	1	at	at	ADP
cjfa-20691	105	2	that	that	DET
cjfa-20691	105	3	time	time	NOUN
cjfa-20691	105	4	,	,	PUNCT
cjfa-20691	105	5	the	the	DET
cjfa-20691	105	6	research	research	NOUN
cjfa-20691	105	7	conducted	conduct	VERB
cjfa-20691	105	8	by	by	ADP
cjfa-20691	105	9	m.	m.	NOUN
cjfa-20691	105	10	polasik	polasik	PROPN
cjfa-20691	105	11	,	,	PUNCT
cjfa-20691	105	12	j.	j.	PROPN
cjfa-20691	105	13	górka	górka	PROPN
cjfa-20691	105	14	,	,	PUNCT
cjfa-20691	105	15	g.	g.	PROPN
cjfa-20691	105	16	wilczewski	wilczewski	PROPN
cjfa-20691	105	17	,	,	PUNCT
cjfa-20691	105	18	j.	j.	PROPN
cjfa-20691	105	19	kunkowski	kunkowski	PROPN
cjfa-20691	105	20	,	,	PUNCT
cjfa-20691	105	21	k.	k.	PROPN
cjfa-20691	105	22	przenajkowska	przenajkowska	PROPN
cjfa-20691	105	23	and	and	CCONJ
cjfa-20691	105	24	n.	n.	PROPN
cjfa-20691	105	25	tetkowska	tetkowska	PROPN
cjfa-20691	105	26	(	(	PUNCT
cjfa-20691	105	27	2013	2013	NUM
cjfa-20691	105	28	,	,	PUNCT
cjfa-20691	105	29	pp	pp	ADJ
cjfa-20691	105	30	.	.	PUNCT
cjfa-20691	106	1	317	317	NUM
cjfa-20691	106	2	-	-	SYM
cjfa-20691	106	3	318	318	NUM
cjfa-20691	106	4	)	)	PUNCT
cjfa-20691	106	5	has	have	AUX
cjfa-20691	106	6	proven	prove	VERB
cjfa-20691	106	7	,	,	PUNCT
cjfa-20691	106	8	that	that	SCONJ
cjfa-20691	106	9	the	the	DET
cjfa-20691	106	10	contactless	contactless	NOUN
cjfa-20691	106	11	payments	payment	NOUN
cjfa-20691	106	12	,	,	PUNCT
cjfa-20691	106	13	including	include	VERB
cjfa-20691	106	14	mobile	mobile	ADJ
cjfa-20691	106	15	payments	payment	NOUN
cjfa-20691	106	16	are	be	AUX
cjfa-20691	106	17	quick	quick	ADJ
cjfa-20691	106	18	,	,	PUNCT
cjfa-20691	106	19	convenient	convenient	ADJ
cjfa-20691	106	20	,	,	PUNCT
cjfa-20691	106	21	attractive	attractive	ADJ
cjfa-20691	106	22	for	for	ADP
cjfa-20691	106	23	customers	customer	NOUN
cjfa-20691	106	24	,	,	PUNCT
cjfa-20691	106	25	and	and	CCONJ
cjfa-20691	106	26	the	the	DET
cjfa-20691	106	27	development	development	NOUN
cjfa-20691	106	28	of	of	ADP
cjfa-20691	106	29	contactless	contactless	ADJ
cjfa-20691	106	30	mobile	mobile	ADJ
cjfa-20691	106	31	payments	payment	NOUN
cjfa-20691	106	32	including	include	VERB
cjfa-20691	106	33	nfc	nfc	NOUN
cjfa-20691	106	34	,	,	PUNCT
cjfa-20691	106	35	should	should	AUX
cjfa-20691	106	36	be	be	AUX
cjfa-20691	106	37	expected	expect	VERB
cjfa-20691	106	38	.	.	PUNCT
cjfa-20691	107	1	together	together	ADV
cjfa-20691	107	2	with	with	ADP
cjfa-20691	107	3	the	the	DET
cjfa-20691	107	4	increasing	increase	VERB
cjfa-20691	107	5	number	number	NOUN
cjfa-20691	107	6	of	of	ADP
cjfa-20691	107	7	institutions	institution	NOUN
cjfa-20691	107	8	offering	offer	VERB
cjfa-20691	107	9	the	the	DET
cjfa-20691	107	10	most	most	ADJ
cjfa-20691	107	11	up	up	ADP
cjfa-20691	107	12	-	-	PUNCT
cjfa-20691	107	13	to	to	ADP
cjfa-20691	107	14	-	-	PUNCT
cjfa-20691	107	15	date	date	NOUN
cjfa-20691	107	16	solutions	solution	NOUN
cjfa-20691	107	17	in	in	ADP
cjfa-20691	107	18	mobile	mobile	ADJ
cjfa-20691	107	19	banking	banking	NOUN
cjfa-20691	107	20	applications	application	NOUN
cjfa-20691	107	21	and	and	CCONJ
cjfa-20691	107	22	the	the	DET
cjfa-20691	107	23	growing	grow	VERB
cjfa-20691	107	24	popularity	popularity	NOUN
cjfa-20691	107	25	of	of	ADP
cjfa-20691	107	26	smartphones	smartphone	NOUN
cjfa-20691	107	27	,	,	PUNCT
cjfa-20691	107	28	the	the	DET
cjfa-20691	107	29	number	number	NOUN
cjfa-20691	107	30	of	of	ADP
cjfa-20691	107	31	active	active	ADJ
cjfa-20691	107	32	mobile	mobile	ADJ
cjfa-20691	107	33	banking	banking	NOUN
cjfa-20691	107	34	users	user	NOUN
cjfa-20691	107	35	has	have	AUX
cjfa-20691	107	36	been	be	AUX
cjfa-20691	107	37	also	also	ADV
cjfa-20691	107	38	systematically	systematically	ADV
cjfa-20691	107	39	raising	raise	VERB
cjfa-20691	107	40	.	.	PUNCT
cjfa-20691	108	1	the	the	DET
cjfa-20691	108	2	chart	chart	NOUN
cjfa-20691	108	3	1	1	NUM
cjfa-20691	108	4	presents	present	VERB
cjfa-20691	108	5	the	the	DET
cjfa-20691	108	6	aforementioned	aforementioned	ADJ
cjfa-20691	108	7	tendency	tendency	NOUN
cjfa-20691	108	8	,	,	PUNCT
cjfa-20691	108	9	comparing	compare	VERB
cjfa-20691	108	10	it	it	PRON
cjfa-20691	108	11	at	at	ADP
cjfa-20691	108	12	the	the	DET
cjfa-20691	108	13	same	same	ADJ
cjfa-20691	108	14	time	time	NOUN
cjfa-20691	108	15	to	to	ADP
cjfa-20691	108	16	the	the	DET
cjfa-20691	108	17	number	number	NOUN
cjfa-20691	108	18	of	of	ADP
cjfa-20691	108	19	active	active	ADJ
cjfa-20691	108	20	users	user	NOUN
cjfa-20691	108	21	of	of	ADP
cjfa-20691	108	22	online	online	ADJ
cjfa-20691	108	23	banking	banking	NOUN
cjfa-20691	108	24	.	.	PUNCT
cjfa-20691	109	1	the	the	DET
cjfa-20691	109	2	purpose	purpose	NOUN
cjfa-20691	109	3	of	of	ADP
cjfa-20691	109	4	both	both	DET
cjfa-20691	109	5	channels	channel	NOUN
cjfa-20691	109	6	comparison	comparison	NOUN
cjfa-20691	109	7	is	be	AUX
cjfa-20691	109	8	to	to	PART
cjfa-20691	109	9	show	show	VERB
cjfa-20691	109	10	a	a	DET
cjfa-20691	109	11	decreasing	decrease	VERB
cjfa-20691	109	12	difference	difference	NOUN
cjfa-20691	109	13	between	between	ADP
cjfa-20691	109	14	the	the	DET
cjfa-20691	109	15	number	number	NOUN
cjfa-20691	109	16	of	of	ADP
cjfa-20691	109	17	users	user	NOUN
cjfa-20691	109	18	occurring	occur	VERB
cjfa-20691	109	19	among	among	ADP
cjfa-20691	109	20	mobile	mobile	ADJ
cjfa-20691	109	21	and	and	CCONJ
cjfa-20691	109	22	online	online	ADJ
cjfa-20691	109	23	banking	banking	NOUN
cjfa-20691	109	24	.	.	PUNCT
cjfa-20691	110	1	chart	chart	NOUN
cjfa-20691	111	1	1	1	NUM
cjfa-20691	111	2	.	.	PUNCT
cjfa-20691	112	1	the	the	DET
cjfa-20691	112	2	number	number	NOUN
cjfa-20691	112	3	of	of	ADP
cjfa-20691	112	4	active	active	ADJ
cjfa-20691	112	5	users	user	NOUN
cjfa-20691	112	6	of	of	ADP
cjfa-20691	112	7	online	online	ADJ
cjfa-20691	112	8	and	and	CCONJ
cjfa-20691	112	9	mobile	mobile	ADJ
cjfa-20691	112	10	banking	banking	NOUN
cjfa-20691	112	11	in	in	ADP
cjfa-20691	112	12	2014	2014	NUM
cjfa-20691	112	13	-	-	SYM
cjfa-20691	112	14	2018	2018	NUM
cjfa-20691	112	15	(	(	PUNCT
cjfa-20691	112	16	in	in	ADP
cjfa-20691	112	17	millions	million	NOUN
cjfa-20691	112	18	)	)	PUNCT
cjfa-20691	112	19	source	source	NOUN
cjfa-20691	112	20	:	:	PUNCT
cjfa-20691	112	21	own	own	ADJ
cjfa-20691	112	22	study	study	NOUN
cjfa-20691	112	23	based	base	VERB
cjfa-20691	112	24	on	on	ADP
cjfa-20691	112	25	:	:	PUNCT
cjfa-20691	112	26	quarterly	quarterly	ADJ
cjfa-20691	112	27	reports	report	NOUN
cjfa-20691	112	28	of	of	ADP
cjfa-20691	112	29	the	the	DET
cjfa-20691	112	30	polish	polish	PROPN
cjfa-20691	112	31	bank	bank	PROPN
cjfa-20691	112	32	association	association	PROPN
cjfa-20691	112	33	and	and	CCONJ
cjfa-20691	112	34	the	the	DET
cjfa-20691	112	35	prnews.pl	prnews.pl	PROPN
cjfa-20691	112	36	(	(	PUNCT
cjfa-20691	112	37	www4	www4	PROPN
cjfa-20691	112	38	)	)	PUNCT
cjfa-20691	112	39	.	.	PUNCT
cjfa-20691	113	1	when	when	SCONJ
cjfa-20691	113	2	analyzing	analyze	VERB
cjfa-20691	113	3	the	the	DET
cjfa-20691	113	4	number	number	NOUN
cjfa-20691	113	5	of	of	ADP
cjfa-20691	113	6	active	active	ADJ
cjfa-20691	113	7	users	user	NOUN
cjfa-20691	113	8	of	of	ADP
cjfa-20691	113	9	mobile	mobile	ADJ
cjfa-20691	113	10	and	and	CCONJ
cjfa-20691	113	11	online	online	ADJ
cjfa-20691	113	12	banking	banking	NOUN
cjfa-20691	113	13	in	in	ADP
cjfa-20691	113	14	the	the	DET
cjfa-20691	113	15	years	year	NOUN
cjfa-20691	113	16	2014	2014	NUM
cjfa-20691	113	17	-	-	SYM
cjfa-20691	113	18	2018	2018	NUM
cjfa-20691	113	19	,	,	PUNCT
cjfa-20691	113	20	one	one	PRON
cjfa-20691	113	21	can	can	AUX
cjfa-20691	113	22	notice	notice	VERB
cjfa-20691	113	23	a	a	DET
cjfa-20691	113	24	significant	significant	ADJ
cjfa-20691	113	25	decrease	decrease	NOUN
cjfa-20691	113	26	of	of	ADP
cjfa-20691	113	27	difference	difference	NOUN
cjfa-20691	113	28	occurring	occur	VERB
cjfa-20691	113	29	between	between	ADP
cjfa-20691	113	30	the	the	DET
cjfa-20691	113	31	3.5	3.5	NUM
cjfa-20691	113	32	5.7	5.7	NUM
cjfa-20691	113	33	7.7	7.7	NUM
cjfa-20691	113	34	8.9	8.9	NUM
cjfa-20691	113	35	11.2	11.2	NUM
cjfa-20691	113	36	13.1	13.1	NUM
cjfa-20691	113	37	14.5	14.5	NUM
cjfa-20691	113	38	15.4	15.4	NUM
cjfa-20691	113	39	15.9	15.9	NUM
cjfa-20691	113	40	17.2	17.2	NUM
cjfa-20691	113	41	0	0	NUM
cjfa-20691	113	42	2	2	NUM
cjfa-20691	113	43	4	4	NUM
cjfa-20691	113	44	6	6	NUM
cjfa-20691	113	45	8	8	NUM
cjfa-20691	113	46	10	10	NUM
cjfa-20691	113	47	12	12	NUM
cjfa-20691	113	48	14	14	NUM
cjfa-20691	113	49	16	16	NUM
cjfa-20691	113	50	18	18	NUM
cjfa-20691	113	51	20	20	NUM
cjfa-20691	113	52	2014	2014	NUM
cjfa-20691	113	53	2015	2015	NUM
cjfa-20691	113	54	2016	2016	NUM
cjfa-20691	113	55	2017	2017	NUM
cjfa-20691	113	56	2018	2018	NUM
cjfa-20691	113	57	mobile	mobile	ADJ
cjfa-20691	113	58	banking	banking	NOUN
cjfa-20691	113	59	online	online	PROPN
cjfa-20691	113	60	banking	banking	NOUN
cjfa-20691	113	61	s	s	PART
cjfa-20691	113	62	o	o	NOUN
cjfa-20691	113	63	u	u	NOUN
cjfa-20691	113	64	r	r	NOUN
cjfa-20691	113	65	c	c	NOUN
cjfa-20691	113	66	e	e	NOUN
cjfa-20691	113	67	:	:	PUNCT
cjfa-20691	113	68	own	own	ADJ
cjfa-20691	113	69	study	study	NOUN
cjfa-20691	113	70	based	base	VERB
cjfa-20691	113	71	on	on	ADP
cjfa-20691	113	72	:	:	PUNCT
cjfa-20691	113	73	quarterly	quarterly	ADJ
cjfa-20691	113	74	reports	report	NOUN
cjfa-20691	113	75	of	of	ADP
cjfa-20691	113	76	the	the	DET
cjfa-20691	113	77	polish	polish	PROPN
cjfa-20691	113	78	bank	bank	PROPN
cjfa-20691	113	79	association	association	PROPN
cjfa-20691	113	80	and	and	CCONJ
cjfa-20691	113	81	the	the	DET
cjfa-20691	113	82	prnews	prnews	NOUN
cjfa-20691	113	83	.	.	PUNCT
cjfa-20691	114	1	pl	pl	X
cjfa-20691	114	2	(	(	PUNCT
cjfa-20691	114	3	www4	www4	PROPN
cjfa-20691	114	4	)	)	PUNCT
cjfa-20691	114	5	.	.	PUNCT
cjfa-20691	115	1	when	when	SCONJ
cjfa-20691	115	2	analyzing	analyze	VERB
cjfa-20691	115	3	the	the	DET
cjfa-20691	115	4	number	number	NOUN
cjfa-20691	115	5	of	of	ADP
cjfa-20691	115	6	active	active	ADJ
cjfa-20691	115	7	users	user	NOUN
cjfa-20691	115	8	of	of	ADP
cjfa-20691	115	9	mobile	mobile	ADJ
cjfa-20691	115	10	and	and	CCONJ
cjfa-20691	115	11	online	online	ADJ
cjfa-20691	115	12	banking	banking	NOUN
cjfa-20691	115	13	in	in	ADP
cjfa-20691	115	14	the	the	DET
cjfa-20691	115	15	years	year	NOUN
cjfa-20691	115	16	2014–2018	2014–2018	NUM
cjfa-20691	115	17	,	,	PUNCT
cjfa-20691	115	18	one	one	PRON
cjfa-20691	115	19	can	can	AUX
cjfa-20691	115	20	notice	notice	VERB
cjfa-20691	115	21	a	a	DET
cjfa-20691	115	22	significant	significant	ADJ
cjfa-20691	115	23	decrease	decrease	NOUN
cjfa-20691	115	24	of	of	ADP
cjfa-20691	115	25	difference	difference	NOUN
cjfa-20691	115	26	occurring	occur	VERB
cjfa-20691	115	27	between	between	ADP
cjfa-20691	115	28	the	the	DET
cjfa-20691	115	29	numbers	number	NOUN
cjfa-20691	115	30	of	of	ADP
cjfa-20691	115	31	users	user	NOUN
cjfa-20691	115	32	of	of	ADP
cjfa-20691	115	33	these	these	DET
cjfa-20691	115	34	two	two	NUM
cjfa-20691	115	35	channels	channel	NOUN
cjfa-20691	115	36	.	.	PUNCT
cjfa-20691	116	1	over	over	ADP
cjfa-20691	116	2	the	the	DET
cjfa-20691	116	3	course	course	NOUN
cjfa-20691	116	4	of	of	ADP
cjfa-20691	116	5	five	five	NUM
cjfa-20691	116	6	years	year	NOUN
cjfa-20691	116	7	,	,	PUNCT
cjfa-20691	116	8	the	the	DET
cjfa-20691	116	9	number	number	NOUN
cjfa-20691	116	10	of	of	ADP
cjfa-20691	116	11	online	online	ADJ
cjfa-20691	116	12	banking	banking	NOUN
cjfa-20691	116	13	users	user	NOUN
cjfa-20691	116	14	has	have	AUX
cjfa-20691	116	15	increased	increase	VERB
cjfa-20691	116	16	only	only	ADV
cjfa-20691	116	17	by	by	ADP
cjfa-20691	116	18	31	31	NUM
cjfa-20691	116	19	%	%	NOUN
cjfa-20691	116	20	,	,	PUNCT
cjfa-20691	116	21	when	when	SCONJ
cjfa-20691	116	22	the	the	DET
cjfa-20691	116	23	number	number	NOUN
cjfa-20691	116	24	of	of	ADP
cjfa-20691	116	25	mobile	mobile	ADJ
cjfa-20691	116	26	banking	banking	NOUN
cjfa-20691	116	27	users	user	NOUN
cjfa-20691	116	28	–	–	PUNCT
cjfa-20691	116	29	by	by	ADP
cjfa-20691	116	30	as	as	ADV
cjfa-20691	116	31	much	much	ADJ
cjfa-20691	116	32	as	as	ADP
cjfa-20691	116	33	220	220	NUM
cjfa-20691	116	34	%	%	NOUN
cjfa-20691	116	35	.	.	PUNCT
cjfa-20691	117	1	both	both	DET
cjfa-20691	117	2	channels	channel	NOUN
cjfa-20691	117	3	maintain	maintain	VERB
cjfa-20691	117	4	an	an	DET
cjfa-20691	117	5	upward	upward	ADJ
cjfa-20691	117	6	trend	trend	NOUN
cjfa-20691	117	7	,	,	PUNCT
cjfa-20691	117	8	which	which	PRON
cjfa-20691	117	9	at	at	ADP
cjfa-20691	117	10	the	the	DET
cjfa-20691	117	11	same	same	ADJ
cjfa-20691	117	12	time	time	NOUN
cjfa-20691	117	13	indicates	indicate	VERB
cjfa-20691	117	14	their	their	PRON
cjfa-20691	117	15	continuous	continuous	ADJ
cjfa-20691	117	16	development	development	NOUN
cjfa-20691	117	17	.	.	PUNCT
cjfa-20691	118	1	but	but	CCONJ
cjfa-20691	118	2	,	,	PUNCT
cjfa-20691	118	3	mobile	mobile	ADJ
cjfa-20691	118	4	banking	banking	NOUN
cjfa-20691	118	5	develops	develop	VERB
cjfa-20691	118	6	noticeably	noticeably	ADV
cjfa-20691	118	7	faster	fast	ADV
cjfa-20691	118	8	,	,	PUNCT
cjfa-20691	118	9	which	which	PRON
cjfa-20691	118	10	is	be	AUX
cjfa-20691	118	11	evidenced	evidence	VERB
cjfa-20691	118	12	by	by	ADP
cjfa-20691	118	13	the	the	DET
cjfa-20691	118	14	very	very	ADV
cjfa-20691	118	15	dynamic	dynamic	ADJ
cjfa-20691	118	16	–	–	PUNCT
cjfa-20691	118	17	in	in	ADP
cjfa-20691	118	18	comparison	comparison	NOUN
cjfa-20691	118	19	to	to	ADP
cjfa-20691	118	20	online	online	ADJ
cjfa-20691	118	21	banking	banking	NOUN
cjfa-20691	118	22	–	–	PUNCT
cjfa-20691	118	23	augmentation	augmentation	NOUN
cjfa-20691	118	24	of	of	ADP
cjfa-20691	118	25	its	its	PRON
cjfa-20691	118	26	active	active	ADJ
cjfa-20691	118	27	users	user	NOUN
cjfa-20691	118	28	.	.	PUNCT
cjfa-20691	119	1	the	the	DET
cjfa-20691	119	2	pace	pace	NOUN
cjfa-20691	119	3	of	of	ADP
cjfa-20691	119	4	mobile	mobile	ADJ
cjfa-20691	119	5	banking	banking	NOUN
cjfa-20691	119	6	development	development	NOUN
cjfa-20691	119	7	may	may	AUX
cjfa-20691	119	8	result	result	VERB
cjfa-20691	119	9	from	from	ADP
cjfa-20691	119	10	the	the	DET
cjfa-20691	119	11	availability	availability	NOUN
cjfa-20691	119	12	on	on	ADP
cjfa-20691	119	13	the	the	DET
cjfa-20691	119	14	market	market	NOUN
cjfa-20691	119	15	of	of	ADP
cjfa-20691	119	16	increasingly	increasingly	ADV
cjfa-20691	119	17	advanced	advance	VERB
cjfa-20691	119	18	mobile	mobile	ADJ
cjfa-20691	119	19	technology	technology	NOUN
cjfa-20691	119	20	that	that	PRON
cjfa-20691	119	21	has	have	AUX
cjfa-20691	119	22	been	be	AUX
cjfa-20691	119	23	successfully	successfully	ADV
cjfa-20691	119	24	adopted	adopt	VERB
cjfa-20691	119	25	into	into	ADP
cjfa-20691	119	26	the	the	DET
cjfa-20691	119	27	widespread	widespread	ADJ
cjfa-20691	119	28	use	use	NOUN
cjfa-20691	119	29	.	.	PUNCT
cjfa-20691	120	1	it	it	PRON
cjfa-20691	120	2	could	could	AUX
cjfa-20691	120	3	also	also	ADV
cjfa-20691	120	4	mean	mean	VERB
cjfa-20691	120	5	that	that	SCONJ
cjfa-20691	120	6	banks	bank	NOUN
cjfa-20691	120	7	are	be	AUX
cjfa-20691	120	8	effectively	effectively	ADV
cjfa-20691	120	9	acquiring	acquire	VERB
cjfa-20691	120	10	new	new	ADJ
cjfa-20691	120	11	clients	client	NOUN
cjfa-20691	120	12	or	or	CCONJ
cjfa-20691	120	13	reaching	reach	VERB
cjfa-20691	120	14	new	new	ADJ
cjfa-20691	120	15	target	target	NOUN
cjfa-20691	120	16	groups	group	NOUN
cjfa-20691	120	17	.	.	PUNCT
cjfa-20691	121	1	in	in	ADP
cjfa-20691	121	2	the	the	DET
cjfa-20691	121	3	years	year	NOUN
cjfa-20691	121	4	2014–2017	2014–2017	NUM
cjfa-20691	121	5	,	,	PUNCT
cjfa-20691	121	6	the	the	DET
cjfa-20691	121	7	number	number	NOUN
cjfa-20691	121	8	of	of	ADP
cjfa-20691	121	9	online	online	ADJ
cjfa-20691	121	10	banking	banking	NOUN
cjfa-20691	121	11	users	user	NOUN
cjfa-20691	121	12	grew	grow	VERB
cjfa-20691	121	13	,	,	PUNCT
cjfa-20691	121	14	but	but	CCONJ
cjfa-20691	121	15	slower	slow	ADJ
cjfa-20691	121	16	–	–	PUNCT
cjfa-20691	121	17	the	the	DET
cjfa-20691	121	18	amount	amount	NOUN
cjfa-20691	121	19	of	of	ADP
cjfa-20691	121	20	new	new	ADJ
cjfa-20691	121	21	users	user	NOUN
cjfa-20691	121	22	was	be	AUX
cjfa-20691	121	23	respectively	respectively	ADV
cjfa-20691	121	24	1.4	1.4	NUM
cjfa-20691	121	25	million	million	NUM
cjfa-20691	121	26	,	,	PUNCT
cjfa-20691	121	27	0.9	0.9	NUM
cjfa-20691	121	28	million	million	NUM
cjfa-20691	121	29	and	and	CCONJ
cjfa-20691	121	30	0.5	0.5	NUM
cjfa-20691	121	31	million	million	NUM
cjfa-20691	121	32	in	in	ADP
cjfa-20691	121	33	2017	2017	NUM
cjfa-20691	121	34	.	.	PUNCT
cjfa-20691	122	1	the	the	DET
cjfa-20691	122	2	reason	reason	NOUN
cjfa-20691	122	3	of	of	ADP
cjfa-20691	122	4	this	this	DET
cjfa-20691	122	5	slowdown	slowdown	NOUN
cjfa-20691	122	6	could	could	AUX
cjfa-20691	122	7	be	be	AUX
cjfa-20691	122	8	the	the	DET
cjfa-20691	122	9	growing	grow	VERB
cjfa-20691	122	10	interest	interest	NOUN
cjfa-20691	122	11	in	in	ADP
cjfa-20691	122	12	mobile	mobile	ADJ
cjfa-20691	122	13	banking	banking	NOUN
cjfa-20691	122	14	,	,	PUNCT
cjfa-20691	122	15	because	because	SCONJ
cjfa-20691	122	16	the	the	DET
cjfa-20691	122	17	number	number	NOUN
cjfa-20691	122	18	of	of	ADP
cjfa-20691	122	19	active	active	ADJ
cjfa-20691	122	20	users	user	NOUN
cjfa-20691	122	21	increased	increase	VERB
cjfa-20691	122	22	on	on	ADP
cjfa-20691	122	23	average	average	ADJ
cjfa-20691	122	24	by	by	ADP
cjfa-20691	122	25	2	2	NUM
cjfa-20691	122	26	million	million	NUM
cjfa-20691	122	27	in	in	ADP
cjfa-20691	122	28	a	a	DET
cjfa-20691	122	29	given	give	VERB
cjfa-20691	122	30	period	period	NOUN
cjfa-20691	122	31	2014–2017	2014–2017	NUM
cjfa-20691	122	32	.	.	PUNCT
cjfa-20691	123	1	in	in	ADP
cjfa-20691	123	2	2018	2018	NUM
cjfa-20691	123	3	,	,	PUNCT
cjfa-20691	123	4	the	the	DET
cjfa-20691	123	5	number	number	NOUN
cjfa-20691	123	6	of	of	ADP
cjfa-20691	123	7	mobile	mobile	ADJ
cjfa-20691	123	8	banking	banking	NOUN
cjfa-20691	123	9	users	user	NOUN
cjfa-20691	123	10	increased	increase	VERB
cjfa-20691	123	11	by	by	ADP
cjfa-20691	123	12	2.3	2.3	NUM
cjfa-20691	123	13	million	million	NUM
cjfa-20691	123	14	,	,	PUNCT
cjfa-20691	123	15	thus	thus	ADV
cjfa-20691	123	16	achieving	achieve	VERB
cjfa-20691	123	17	the	the	DET
cjfa-20691	123	18	highest	high	ADJ
cjfa-20691	123	19	growth	growth	NOUN
cjfa-20691	123	20	in	in	ADP
cjfa-20691	123	21	the	the	DET
cjfa-20691	123	22	entire	entire	ADJ
cjfa-20691	123	23	analyzed	analyze	VERB
cjfa-20691	123	24	period	period	NOUN
cjfa-20691	123	25	2014–2018	2014–2018	NUM
cjfa-20691	123	26	.	.	PUNCT
cjfa-20691	124	1	in	in	ADP
cjfa-20691	124	2	turn	turn	NOUN
cjfa-20691	124	3	,	,	PUNCT
cjfa-20691	124	4	the	the	DET
cjfa-20691	124	5	number	number	NOUN
cjfa-20691	124	6	of	of	ADP
cjfa-20691	124	7	online	online	ADJ
cjfa-20691	124	8	banking	banking	NOUN
cjfa-20691	124	9	users	user	NOUN
cjfa-20691	124	10	increased	increase	VERB
cjfa-20691	124	11	in	in	ADP
cjfa-20691	124	12	2018	2018	NUM
cjfa-20691	124	13	only	only	ADV
cjfa-20691	124	14	by	by	ADP
cjfa-20691	124	15	1.3	1.3	NUM
cjfa-20691	124	16	million	million	NUM
cjfa-20691	124	17	.	.	PUNCT
cjfa-20691	125	1	the	the	DET
cjfa-20691	125	2	usage	usage	NOUN
cjfa-20691	125	3	of	of	ADP
cjfa-20691	125	4	mobile	mobile	ADJ
cjfa-20691	125	5	banking	banking	NOUN
cjfa-20691	125	6	applications	application	NOUN
cjfa-20691	125	7	in	in	ADP
cjfa-20691	125	8	poland	poland	PROPN
cjfa-20691	125	9	…	…	PUNCT
cjfa-20691	125	10	17	17	NUM
cjfa-20691	125	11	the	the	DET
cjfa-20691	125	12	figure	figure	NOUN
cjfa-20691	125	13	2	2	NUM
cjfa-20691	125	14	presents	present	VERB
cjfa-20691	125	15	the	the	DET
cjfa-20691	125	16	number	number	NOUN
cjfa-20691	125	17	of	of	ADP
cjfa-20691	125	18	active	active	ADJ
cjfa-20691	125	19	mobile	mobile	ADJ
cjfa-20691	125	20	banking	banking	NOUN
cjfa-20691	125	21	users	user	NOUN
cjfa-20691	125	22	in	in	ADP
cjfa-20691	125	23	total	total	NOUN
cjfa-20691	125	24	and	and	CCONJ
cjfa-20691	125	25	the	the	DET
cjfa-20691	125	26	extracted	extract	VERB
cjfa-20691	125	27	from	from	ADP
cjfa-20691	125	28	it	it	PRON
cjfa-20691	125	29	number	number	NOUN
cjfa-20691	125	30	of	of	ADP
cjfa-20691	125	31	active	active	ADJ
cjfa-20691	125	32	users	user	NOUN
cjfa-20691	125	33	of	of	ADP
cjfa-20691	125	34	mobile	mobile	ADJ
cjfa-20691	125	35	banking	banking	NOUN
cjfa-20691	125	36	applications	application	NOUN
cjfa-20691	125	37	.	.	PUNCT
cjfa-20691	126	1	figure	figure	NOUN
cjfa-20691	126	2	2	2	NUM
cjfa-20691	126	3	.	.	PUNCT
cjfa-20691	127	1	the	the	DET
cjfa-20691	127	2	comparison	comparison	NOUN
cjfa-20691	127	3	of	of	ADP
cjfa-20691	127	4	the	the	DET
cjfa-20691	127	5	number	number	NOUN
cjfa-20691	127	6	of	of	ADP
cjfa-20691	127	7	active	active	ADJ
cjfa-20691	127	8	mobile	mobile	ADJ
cjfa-20691	127	9	banking	banking	NOUN
cjfa-20691	127	10	application	application	NOUN
cjfa-20691	127	11	users	user	NOUN
cjfa-20691	127	12	and	and	CCONJ
cjfa-20691	127	13	the	the	DET
cjfa-20691	127	14	number	number	NOUN
cjfa-20691	127	15	of	of	ADP
cjfa-20691	127	16	mobile	mobile	ADJ
cjfa-20691	127	17	banking	banking	NOUN
cjfa-20691	127	18	users	user	NOUN
cjfa-20691	127	19	in	in	ADP
cjfa-20691	127	20	total	total	NOUN
cjfa-20691	127	21	(	(	PUNCT
cjfa-20691	127	22	in	in	ADP
cjfa-20691	127	23	millions	million	NOUN
cjfa-20691	127	24	)	)	PUNCT
cjfa-20691	127	25	source	source	NOUN
cjfa-20691	127	26	:	:	PUNCT
cjfa-20691	127	27	own	own	ADJ
cjfa-20691	127	28	study	study	NOUN
cjfa-20691	127	29	based	base	VERB
cjfa-20691	127	30	on	on	ADP
cjfa-20691	127	31	:	:	PUNCT
cjfa-20691	127	32	quarterly	quarterly	ADJ
cjfa-20691	127	33	reports	report	NOUN
cjfa-20691	127	34	of	of	ADP
cjfa-20691	127	35	the	the	DET
cjfa-20691	127	36	prnews.pl	prnews.pl	PROPN
cjfa-20691	127	37	(	(	PUNCT
cjfa-20691	127	38	www4	www4	PROPN
cjfa-20691	127	39	)	)	PUNCT
cjfa-20691	127	40	.	.	PUNCT
cjfa-20691	128	1	in	in	ADP
cjfa-20691	128	2	2016	2016	NUM
cjfa-20691	128	3	,	,	PUNCT
cjfa-20691	128	4	the	the	DET
cjfa-20691	128	5	share	share	NOUN
cjfa-20691	128	6	of	of	ADP
cjfa-20691	128	7	application	application	NOUN
cjfa-20691	128	8	users	user	NOUN
cjfa-20691	128	9	in	in	ADP
cjfa-20691	128	10	mobile	mobile	ADJ
cjfa-20691	128	11	banking	banking	NOUN
cjfa-20691	128	12	users	user	NOUN
cjfa-20691	128	13	in	in	ADP
cjfa-20691	128	14	total	total	NOUN
cjfa-20691	128	15	was	be	AUX
cjfa-20691	128	16	just	just	ADV
cjfa-20691	128	17	over	over	ADP
cjfa-20691	128	18	40	40	NUM
cjfa-20691	128	19	%	%	NOUN
cjfa-20691	128	20	,	,	PUNCT
cjfa-20691	128	21	then	then	ADV
cjfa-20691	128	22	it	it	PRON
cjfa-20691	128	23	increased	increase	VERB
cjfa-20691	128	24	to	to	ADP
cjfa-20691	128	25	about	about	ADP
cjfa-20691	128	26	63	63	NUM
cjfa-20691	128	27	%	%	NOUN
cjfa-20691	128	28	in	in	ADP
cjfa-20691	128	29	2017	2017	NUM
cjfa-20691	128	30	,	,	PUNCT
cjfa-20691	128	31	and	and	CCONJ
cjfa-20691	128	32	in	in	ADP
cjfa-20691	128	33	2018	2018	NUM
cjfa-20691	128	34	the	the	DET
cjfa-20691	128	35	upward	upward	ADJ
cjfa-20691	128	36	trend	trend	NOUN
cjfa-20691	128	37	continued	continue	VERB
cjfa-20691	128	38	,	,	PUNCT
cjfa-20691	128	39	as	as	SCONJ
cjfa-20691	128	40	already	already	ADV
cjfa-20691	128	41	three	three	NUM
cjfa-20691	128	42	out	out	ADP
cjfa-20691	128	43	of	of	ADP
cjfa-20691	128	44	four	four	NUM
cjfa-20691	128	45	mobile	mobile	ADJ
cjfa-20691	128	46	banking	banking	NOUN
cjfa-20691	128	47	users	user	NOUN
cjfa-20691	128	48	actively	actively	ADV
cjfa-20691	128	49	employed	employ	VERB
cjfa-20691	128	50	bank	bank	NOUN
cjfa-20691	128	51	applications	application	NOUN
cjfa-20691	128	52	.	.	PUNCT
cjfa-20691	129	1	the	the	DET
cjfa-20691	129	2	growing	grow	VERB
cjfa-20691	129	3	popularity	popularity	NOUN
cjfa-20691	129	4	of	of	ADP
cjfa-20691	129	5	mobile	mobile	ADJ
cjfa-20691	129	6	banking	banking	NOUN
cjfa-20691	129	7	applications	application	NOUN
cjfa-20691	129	8	proves	prove	VERB
cjfa-20691	129	9	its	its	PRON
cjfa-20691	129	10	success	success	NOUN
cjfa-20691	129	11	on	on	ADP
cjfa-20691	129	12	the	the	DET
cjfa-20691	129	13	polish	polish	ADJ
cjfa-20691	129	14	payment	payment	NOUN
cjfa-20691	129	15	services	service	NOUN
cjfa-20691	129	16	market	market	NOUN
cjfa-20691	129	17	,	,	PUNCT
cjfa-20691	129	18	since	since	SCONJ
cjfa-20691	129	19	from	from	ADP
cjfa-20691	129	20	2017	2017	NUM
cjfa-20691	129	21	it	it	PRON
cjfa-20691	129	22	has	have	AUX
cjfa-20691	129	23	become	become	VERB
cjfa-20691	129	24	the	the	DET
cjfa-20691	129	25	main	main	ADJ
cjfa-20691	129	26	tool	tool	NOUN
cjfa-20691	129	27	used	use	VERB
cjfa-20691	129	28	to	to	PART
cjfa-20691	129	29	carry	carry	VERB
cjfa-20691	129	30	out	out	ADP
cjfa-20691	129	31	individual	individual	ADJ
cjfa-20691	129	32	operations	operation	NOUN
cjfa-20691	129	33	through	through	ADP
cjfa-20691	129	34	a	a	DET
cjfa-20691	129	35	mobile	mobile	ADJ
cjfa-20691	129	36	channel	channel	NOUN
cjfa-20691	129	37	of	of	ADP
cjfa-20691	129	38	communication	communication	NOUN
cjfa-20691	129	39	with	with	ADP
cjfa-20691	129	40	the	the	DET
cjfa-20691	129	41	bank	bank	NOUN
cjfa-20691	129	42	.	.	PUNCT
cjfa-20691	130	1	this	this	PRON
cjfa-20691	130	2	is	be	AUX
cjfa-20691	130	3	related	relate	VERB
cjfa-20691	130	4	to	to	ADP
cjfa-20691	130	5	the	the	DET
cjfa-20691	130	6	increasing	increase	VERB
cjfa-20691	130	7	quality	quality	NOUN
cjfa-20691	130	8	of	of	ADP
cjfa-20691	130	9	the	the	DET
cjfa-20691	130	10	applications	application	NOUN
cjfa-20691	130	11	offered	offer	VERB
cjfa-20691	130	12	,	,	PUNCT
cjfa-20691	130	13	which	which	PRON
cjfa-20691	130	14	contributes	contribute	VERB
cjfa-20691	130	15	further	far	ADV
cjfa-20691	130	16	to	to	ADP
cjfa-20691	130	17	the	the	DET
cjfa-20691	130	18	frequency	frequency	NOUN
cjfa-20691	130	19	of	of	ADP
cjfa-20691	130	20	their	their	PRON
cjfa-20691	130	21	usage	usage	NOUN
cjfa-20691	130	22	.	.	PUNCT
cjfa-20691	131	1	the	the	DET
cjfa-20691	131	2	survey	survey	NOUN
cjfa-20691	131	3	results	result	VERB
cjfa-20691	131	4	–	–	PUNCT
cjfa-20691	131	5	the	the	DET
cjfa-20691	131	6	use	use	NOUN
cjfa-20691	131	7	of	of	ADP
cjfa-20691	131	8	mobile	mobile	ADJ
cjfa-20691	131	9	banking	banking	NOUN
cjfa-20691	131	10	applications	application	NOUN
cjfa-20691	131	11	among	among	ADP
cjfa-20691	131	12	polish	polish	ADJ
cjfa-20691	131	13	internet	internet	NOUN
cjfa-20691	131	14	users	user	NOUN
cjfa-20691	131	15	the	the	DET
cjfa-20691	131	16	results	result	NOUN
cjfa-20691	131	17	of	of	ADP
cjfa-20691	131	18	the	the	DET
cjfa-20691	131	19	conducted	conduct	VERB
cjfa-20691	131	20	survey	survey	NOUN
cjfa-20691	131	21	allowed	allow	VERB
cjfa-20691	131	22	for	for	ADP
cjfa-20691	131	23	a	a	DET
cjfa-20691	131	24	more	more	ADV
cjfa-20691	131	25	detailed	detailed	ADJ
cjfa-20691	131	26	understanding	understanding	NOUN
cjfa-20691	131	27	of	of	ADP
cjfa-20691	131	28	the	the	DET
cjfa-20691	131	29	popularity	popularity	NOUN
cjfa-20691	131	30	of	of	ADP
cjfa-20691	131	31	mobile	mobile	ADJ
cjfa-20691	131	32	banking	banking	NOUN
cjfa-20691	131	33	applications	application	NOUN
cjfa-20691	131	34	among	among	ADP
cjfa-20691	131	35	internet	internet	NOUN
cjfa-20691	131	36	users	user	NOUN
cjfa-20691	131	37	and	and	CCONJ
cjfa-20691	131	38	ranges	range	NOUN
cjfa-20691	131	39	of	of	ADP
cjfa-20691	131	40	services	service	NOUN
cjfa-20691	131	41	used	use	VERB
cjfa-20691	131	42	,	,	PUNCT
cjfa-20691	131	43	along	along	ADP
cjfa-20691	131	44	with	with	ADP
cjfa-20691	131	45	their	their	PRON
cjfa-20691	131	46	preferences	preference	NOUN
cjfa-20691	131	47	regarding	regard	VERB
cjfa-20691	131	48	mobile	mobile	ADJ
cjfa-20691	131	49	banking	banking	NOUN
cjfa-20691	131	50	applications	application	NOUN
cjfa-20691	131	51	.	.	PUNCT
cjfa-20691	132	1	the	the	DET
cjfa-20691	132	2	results	result	NOUN
cjfa-20691	132	3	of	of	ADP
cjfa-20691	132	4	this	this	DET
cjfa-20691	132	5	survey	survey	NOUN
cjfa-20691	132	6	indicate	indicate	VERB
cjfa-20691	132	7	that	that	SCONJ
cjfa-20691	132	8	these	these	DET
cjfa-20691	132	9	applications	application	NOUN
cjfa-20691	132	10	are	be	AUX
cjfa-20691	132	11	already	already	ADV
cjfa-20691	132	12	well	well	ADV
cjfa-20691	132	13	received	receive	VERB
cjfa-20691	132	14	by	by	ADP
cjfa-20691	132	15	polish	polish	ADJ
cjfa-20691	132	16	internet	internet	NOUN
cjfa-20691	132	17	users	user	NOUN
cjfa-20691	132	18	,	,	PUNCT
cjfa-20691	132	19	as	as	SCONJ
cjfa-20691	132	20	every	every	DET
cjfa-20691	132	21	second	second	ADJ
cjfa-20691	132	22	respondent	respondent	NOUN
cjfa-20691	132	23	makes	make	VERB
cjfa-20691	132	24	a	a	DET
cjfa-20691	132	25	use	use	NOUN
cjfa-20691	132	26	of	of	ADP
cjfa-20691	132	27	a	a	DET
cjfa-20691	132	28	bank	bank	NOUN
cjfa-20691	132	29	application	application	NOUN
cjfa-20691	132	30	installed	instal	VERB
cjfa-20691	132	31	on	on	ADP
cjfa-20691	132	32	his	his	PRON
cjfa-20691	132	33	or	or	CCONJ
cjfa-20691	132	34	her	her	PRON
cjfa-20691	132	35	smartphone	smartphone	NOUN
cjfa-20691	132	36	(	(	PUNCT
cjfa-20691	132	37	chart	chart	NOUN
cjfa-20691	132	38	3	3	NUM
cjfa-20691	132	39	)	)	PUNCT
cjfa-20691	132	40	.	.	PUNCT
cjfa-20691	133	1	chart	chart	VERB
cjfa-20691	133	2	3.the	3.the	DET
cjfa-20691	133	3	popularity	popularity	NOUN
cjfa-20691	133	4	of	of	ADP
cjfa-20691	133	5	banking	banking	NOUN
cjfa-20691	133	6	mobile	mobile	ADJ
cjfa-20691	133	7	applications	application	NOUN
cjfa-20691	133	8	among	among	ADP
cjfa-20691	133	9	polish	polish	ADJ
cjfa-20691	133	10	internet	internet	NOUN
cjfa-20691	133	11	users	user	NOUN
cjfa-20691	133	12	3.1	3.1	NUM
cjfa-20691	133	13	5.6	5.6	NUM
cjfa-20691	133	14	8.5	8.5	NUM
cjfa-20691	133	15	7.7	7.7	NUM
cjfa-20691	133	16	8.9	8.9	NUM
cjfa-20691	133	17	11.2	11.2	NUM
cjfa-20691	133	18	0	0	NUM
cjfa-20691	133	19	2	2	NUM
cjfa-20691	133	20	4	4	NUM
cjfa-20691	133	21	6	6	NUM
cjfa-20691	133	22	8	8	NUM
cjfa-20691	133	23	10	10	NUM
cjfa-20691	133	24	12	12	NUM
cjfa-20691	133	25	2016	2016	NUM
cjfa-20691	133	26	2017	2017	NUM
cjfa-20691	133	27	2018	2018	NUM
cjfa-20691	133	28	number	number	NOUN
cjfa-20691	133	29	of	of	ADP
cjfa-20691	133	30	active	active	ADJ
cjfa-20691	133	31	mobile	mobile	ADJ
cjfa-20691	133	32	banking	banking	NOUN
cjfa-20691	133	33	application	application	NOUN
cjfa-20691	133	34	users	user	NOUN
cjfa-20691	133	35	number	number	NOUN
cjfa-20691	133	36	of	of	ADP
cjfa-20691	133	37	active	active	ADJ
cjfa-20691	133	38	mobile	mobile	ADJ
cjfa-20691	133	39	banking	banking	NOUN
cjfa-20691	133	40	users	user	NOUN
cjfa-20691	133	41	in	in	ADP
cjfa-20691	133	42	total	total	NOUN
cjfa-20691	133	43	s	s	PART
cjfa-20691	133	44	o	o	NOUN
cjfa-20691	133	45	u	u	NOUN
cjfa-20691	133	46	r	r	NOUN
cjfa-20691	133	47	c	c	NOUN
cjfa-20691	133	48	e	e	NOUN
cjfa-20691	133	49	:	:	PUNCT
cjfa-20691	133	50	own	own	ADJ
cjfa-20691	133	51	study	study	NOUN
cjfa-20691	133	52	based	base	VERB
cjfa-20691	133	53	on	on	ADP
cjfa-20691	133	54	:	:	PUNCT
cjfa-20691	133	55	quarterly	quarterly	ADJ
cjfa-20691	133	56	reports	report	NOUN
cjfa-20691	133	57	of	of	ADP
cjfa-20691	133	58	the	the	DET
cjfa-20691	133	59	prnews.pl	prnews.pl	PROPN
cjfa-20691	133	60	(	(	PUNCT
cjfa-20691	133	61	www4	www4	PROPN
cjfa-20691	133	62	)	)	PUNCT
cjfa-20691	133	63	.	.	PUNCT
cjfa-20691	134	1	in	in	ADP
cjfa-20691	134	2	2016	2016	NUM
cjfa-20691	134	3	,	,	PUNCT
cjfa-20691	134	4	the	the	DET
cjfa-20691	134	5	share	share	NOUN
cjfa-20691	134	6	of	of	ADP
cjfa-20691	134	7	application	application	NOUN
cjfa-20691	134	8	users	user	NOUN
cjfa-20691	134	9	in	in	ADP
cjfa-20691	134	10	mobile	mobile	ADJ
cjfa-20691	134	11	banking	banking	NOUN
cjfa-20691	134	12	users	user	NOUN
cjfa-20691	134	13	in	in	ADP
cjfa-20691	134	14	total	total	NOUN
cjfa-20691	134	15	was	be	AUX
cjfa-20691	134	16	just	just	ADV
cjfa-20691	134	17	over	over	ADP
cjfa-20691	134	18	40	40	NUM
cjfa-20691	134	19	%	%	NOUN
cjfa-20691	134	20	,	,	PUNCT
cjfa-20691	134	21	then	then	ADV
cjfa-20691	134	22	it	it	PRON
cjfa-20691	134	23	increased	increase	VERB
cjfa-20691	134	24	to	to	ADP
cjfa-20691	134	25	about	about	ADP
cjfa-20691	134	26	63	63	NUM
cjfa-20691	134	27	%	%	NOUN
cjfa-20691	134	28	in	in	ADP
cjfa-20691	134	29	2017	2017	NUM
cjfa-20691	134	30	,	,	PUNCT
cjfa-20691	134	31	and	and	CCONJ
cjfa-20691	134	32	in	in	ADP
cjfa-20691	134	33	2018	2018	NUM
cjfa-20691	134	34	the	the	DET
cjfa-20691	134	35	upward	upward	ADJ
cjfa-20691	134	36	trend	trend	NOUN
cjfa-20691	134	37	continued	continue	VERB
cjfa-20691	134	38	,	,	PUNCT
cjfa-20691	134	39	as	as	SCONJ
cjfa-20691	134	40	already	already	ADV
cjfa-20691	134	41	three	three	NUM
cjfa-20691	134	42	out	out	ADP
cjfa-20691	134	43	of	of	ADP
cjfa-20691	134	44	four	four	NUM
cjfa-20691	134	45	mobile	mobile	ADJ
cjfa-20691	134	46	banking	banking	NOUN
cjfa-20691	134	47	users	user	NOUN
cjfa-20691	134	48	actively	actively	ADV
cjfa-20691	134	49	employed	employ	VERB
cjfa-20691	134	50	bank	bank	NOUN
cjfa-20691	134	51	applications	application	NOUN
cjfa-20691	134	52	.	.	PUNCT
cjfa-20691	135	1	the	the	DET
cjfa-20691	135	2	growing	grow	VERB
cjfa-20691	135	3	popularity	popularity	NOUN
cjfa-20691	135	4	of	of	ADP
cjfa-20691	135	5	mobile	mobile	ADJ
cjfa-20691	135	6	banking	banking	NOUN
cjfa-20691	135	7	applications	application	NOUN
cjfa-20691	135	8	proves	prove	VERB
cjfa-20691	135	9	its	its	PRON
cjfa-20691	135	10	success	success	NOUN
cjfa-20691	135	11	on	on	ADP
cjfa-20691	135	12	the	the	DET
cjfa-20691	135	13	polish	polish	ADJ
cjfa-20691	135	14	payment	payment	NOUN
cjfa-20691	135	15	services	service	NOUN
cjfa-20691	135	16	market	market	NOUN
cjfa-20691	135	17	,	,	PUNCT
cjfa-20691	135	18	since	since	SCONJ
cjfa-20691	135	19	from	from	ADP
cjfa-20691	135	20	2017	2017	NUM
cjfa-20691	135	21	it	it	PRON
cjfa-20691	135	22	has	have	AUX
cjfa-20691	135	23	become	become	VERB
cjfa-20691	135	24	the	the	DET
cjfa-20691	135	25	main	main	ADJ
cjfa-20691	135	26	tool	tool	NOUN
cjfa-20691	135	27	used	use	VERB
cjfa-20691	135	28	to	to	PART
cjfa-20691	135	29	carry	carry	VERB
cjfa-20691	135	30	out	out	ADP
cjfa-20691	135	31	individual	individual	ADJ
cjfa-20691	135	32	operations	operation	NOUN
cjfa-20691	135	33	through	through	ADP
cjfa-20691	135	34	a	a	DET
cjfa-20691	135	35	mobile	mobile	ADJ
cjfa-20691	135	36	channel	channel	NOUN
cjfa-20691	135	37	of	of	ADP
cjfa-20691	135	38	communication	communication	NOUN
cjfa-20691	135	39	with	with	ADP
cjfa-20691	135	40	the	the	DET
cjfa-20691	135	41	bank	bank	NOUN
cjfa-20691	135	42	.	.	PUNCT
cjfa-20691	136	1	this	this	PRON
cjfa-20691	136	2	is	be	AUX
cjfa-20691	136	3	related	relate	VERB
cjfa-20691	136	4	to	to	ADP
cjfa-20691	136	5	the	the	DET
cjfa-20691	136	6	increasing	increase	VERB
cjfa-20691	136	7	quality	quality	NOUN
cjfa-20691	136	8	of	of	ADP
cjfa-20691	136	9	the	the	DET
cjfa-20691	136	10	applications	application	NOUN
cjfa-20691	136	11	offered	offer	VERB
cjfa-20691	136	12	,	,	PUNCT
cjfa-20691	136	13	which	which	PRON
cjfa-20691	136	14	contributes	contribute	VERB
cjfa-20691	136	15	further	far	ADV
cjfa-20691	136	16	to	to	ADP
cjfa-20691	136	17	the	the	DET
cjfa-20691	136	18	frequency	frequency	NOUN
cjfa-20691	136	19	of	of	ADP
cjfa-20691	136	20	their	their	PRON
cjfa-20691	136	21	usage	usage	NOUN
cjfa-20691	136	22	.	.	PUNCT
cjfa-20691	137	1	the	the	DET
cjfa-20691	137	2	survey	survey	NOUN
cjfa-20691	137	3	results	result	VERB
cjfa-20691	137	4	–	–	PUNCT
cjfa-20691	137	5	the	the	DET
cjfa-20691	137	6	use	use	NOUN
cjfa-20691	137	7	of	of	ADP
cjfa-20691	137	8	mobile	mobile	ADJ
cjfa-20691	137	9	banking	banking	NOUN
cjfa-20691	137	10	applications	application	NOUN
cjfa-20691	137	11	among	among	ADP
cjfa-20691	137	12	polish	polish	ADJ
cjfa-20691	137	13	internet	internet	NOUN
cjfa-20691	137	14	users	user	NOUN
cjfa-20691	137	15	the	the	DET
cjfa-20691	137	16	results	result	NOUN
cjfa-20691	137	17	of	of	ADP
cjfa-20691	137	18	the	the	DET
cjfa-20691	137	19	conducted	conduct	VERB
cjfa-20691	137	20	survey	survey	NOUN
cjfa-20691	137	21	allowed	allow	VERB
cjfa-20691	137	22	for	for	ADP
cjfa-20691	137	23	a	a	DET
cjfa-20691	137	24	more	more	ADV
cjfa-20691	137	25	detailed	detailed	ADJ
cjfa-20691	137	26	understanding	understanding	NOUN
cjfa-20691	137	27	of	of	ADP
cjfa-20691	137	28	the	the	DET
cjfa-20691	137	29	popularity	popularity	NOUN
cjfa-20691	137	30	of	of	ADP
cjfa-20691	137	31	mobile	mobile	ADJ
cjfa-20691	137	32	banking	banking	NOUN
cjfa-20691	137	33	applications	application	NOUN
cjfa-20691	137	34	among	among	ADP
cjfa-20691	137	35	internet	internet	NOUN
cjfa-20691	137	36	users	user	NOUN
cjfa-20691	137	37	and	and	CCONJ
cjfa-20691	137	38	ranges	range	NOUN
cjfa-20691	137	39	of	of	ADP
cjfa-20691	137	40	services	service	NOUN
cjfa-20691	137	41	used	use	VERB
cjfa-20691	137	42	,	,	PUNCT
cjfa-20691	137	43	along	along	ADP
cjfa-20691	137	44	with	with	ADP
cjfa-20691	137	45	their	their	PRON
cjfa-20691	137	46	preferences	preference	NOUN
cjfa-20691	137	47	regarding	regard	VERB
cjfa-20691	137	48	mobile	mobile	ADJ
cjfa-20691	137	49	banking	banking	NOUN
cjfa-20691	137	50	applications	application	NOUN
cjfa-20691	137	51	.	.	PUNCT
cjfa-20691	138	1	the	the	DET
cjfa-20691	138	2	results	result	NOUN
cjfa-20691	138	3	of	of	ADP
cjfa-20691	138	4	this	this	DET
cjfa-20691	138	5	survey	survey	NOUN
cjfa-20691	138	6	indicate	indicate	VERB
cjfa-20691	138	7	that	that	SCONJ
cjfa-20691	138	8	these	these	DET
cjfa-20691	138	9	applicamikołaj	applicamikołaj	NOUN
cjfa-20691	138	10	borowski	borowski	NOUN
cjfa-20691	138	11	-	-	PUNCT
cjfa-20691	138	12	beszta	beszta	ADJ
cjfa-20691	138	13	,	,	PUNCT
cjfa-20691	138	14	anna	anna	PROPN
cjfa-20691	138	15	kiermas18	kiermas18	PROPN
cjfa-20691	138	16	tions	tion	NOUN
cjfa-20691	138	17	are	be	AUX
cjfa-20691	138	18	already	already	ADV
cjfa-20691	138	19	well	well	ADV
cjfa-20691	138	20	received	receive	VERB
cjfa-20691	138	21	by	by	ADP
cjfa-20691	138	22	polish	polish	ADJ
cjfa-20691	138	23	internet	internet	NOUN
cjfa-20691	138	24	users	user	NOUN
cjfa-20691	138	25	,	,	PUNCT
cjfa-20691	138	26	as	as	SCONJ
cjfa-20691	138	27	every	every	DET
cjfa-20691	138	28	second	second	ADJ
cjfa-20691	138	29	respondent	respondent	NOUN
cjfa-20691	138	30	makes	make	VERB
cjfa-20691	138	31	a	a	DET
cjfa-20691	138	32	use	use	NOUN
cjfa-20691	138	33	of	of	ADP
cjfa-20691	138	34	a	a	DET
cjfa-20691	138	35	bank	bank	NOUN
cjfa-20691	138	36	application	application	NOUN
cjfa-20691	138	37	installed	instal	VERB
cjfa-20691	138	38	on	on	ADP
cjfa-20691	138	39	his	his	PRON
cjfa-20691	138	40	or	or	CCONJ
cjfa-20691	138	41	her	her	PRON
cjfa-20691	138	42	smartphone	smartphone	NOUN
cjfa-20691	138	43	(	(	PUNCT
cjfa-20691	138	44	figure	figure	NOUN
cjfa-20691	138	45	3	3	NUM
cjfa-20691	138	46	)	)	PUNCT
cjfa-20691	138	47	.	.	PUNCT
cjfa-20691	139	1	figure	figure	VERB
cjfa-20691	139	2	3	3	NUM
cjfa-20691	139	3	.	.	PUNCT
cjfa-20691	140	1	the	the	DET
cjfa-20691	140	2	popularity	popularity	NOUN
cjfa-20691	140	3	of	of	ADP
cjfa-20691	140	4	banking	banking	NOUN
cjfa-20691	140	5	mobile	mobile	ADJ
cjfa-20691	140	6	applications	application	NOUN
cjfa-20691	140	7	among	among	ADP
cjfa-20691	140	8	polish	polish	ADJ
cjfa-20691	140	9	internet	internet	NOUN
cjfa-20691	140	10	users	user	NOUN
cjfa-20691	140	11	source	source	NOUN
cjfa-20691	140	12	:	:	PUNCT
cjfa-20691	140	13	own	own	ADJ
cjfa-20691	140	14	study	study	NOUN
cjfa-20691	140	15	:	:	PUNCT
cjfa-20691	140	16	polish	polish	ADJ
cjfa-20691	140	17	internet	internet	NOUN
cjfa-20691	140	18	users	user	NOUN
cjfa-20691	140	19	,	,	PUNCT
cjfa-20691	140	20	2018	2018	NUM
cjfa-20691	140	21	,	,	PUNCT
cjfa-20691	140	22	n=1012	n=1012	PROPN
cjfa-20691	140	23	.	.	PUNCT
cjfa-20691	141	1	the	the	DET
cjfa-20691	141	2	popularity	popularity	NOUN
cjfa-20691	141	3	of	of	ADP
cjfa-20691	141	4	the	the	DET
cjfa-20691	141	5	mobile	mobile	ADJ
cjfa-20691	141	6	communication	communication	NOUN
cjfa-20691	141	7	channel	channel	NOUN
cjfa-20691	141	8	with	with	ADP
cjfa-20691	141	9	the	the	DET
cjfa-20691	141	10	bank	bank	NOUN
cjfa-20691	141	11	is	be	AUX
cjfa-20691	141	12	certainly	certainly	ADV
cjfa-20691	141	13	also	also	ADV
cjfa-20691	141	14	influenced	influence	VERB
cjfa-20691	141	15	by	by	ADP
cjfa-20691	141	16	the	the	DET
cjfa-20691	141	17	fact	fact	NOUN
cjfa-20691	141	18	that	that	SCONJ
cjfa-20691	141	19	smartphones	smartphone	NOUN
cjfa-20691	141	20	,	,	PUNCT
cjfa-20691	141	21	due	due	ADP
cjfa-20691	141	22	to	to	ADP
cjfa-20691	141	23	the	the	DET
cjfa-20691	141	24	number	number	NOUN
cjfa-20691	141	25	of	of	ADP
cjfa-20691	141	26	their	their	PRON
cjfa-20691	141	27	functionalities	functionality	NOUN
cjfa-20691	141	28	,	,	PUNCT
cjfa-20691	141	29	become	become	VERB
cjfa-20691	141	30	a	a	DET
cjfa-20691	141	31	new	new	ADJ
cjfa-20691	141	32	“	"	PUNCT
cjfa-20691	141	33	digital	digital	ADJ
cjfa-20691	141	34	wallet	wallet	NOUN
cjfa-20691	141	35	”	"	PUNCT
cjfa-20691	141	36	for	for	ADP
cjfa-20691	141	37	many	many	ADJ
cjfa-20691	141	38	consumers	consumer	NOUN
cjfa-20691	141	39	and	and	CCONJ
cjfa-20691	141	40	nowadays	nowadays	ADV
cjfa-20691	141	41	it	it	PRON
cjfa-20691	141	42	is	be	AUX
cjfa-20691	141	43	easier	easy	ADJ
cjfa-20691	141	44	to	to	PART
cjfa-20691	141	45	forget	forget	VERB
cjfa-20691	141	46	about	about	ADP
cjfa-20691	141	47	a	a	DET
cjfa-20691	141	48	traditional	traditional	ADJ
cjfa-20691	141	49	wallet	wallet	NOUN
cjfa-20691	141	50	than	than	ADP
cjfa-20691	141	51	a	a	DET
cjfa-20691	141	52	personal	personal	ADJ
cjfa-20691	141	53	mobile	mobile	ADJ
cjfa-20691	141	54	device	device	NOUN
cjfa-20691	141	55	.	.	PUNCT
cjfa-20691	142	1	currently	currently	ADV
cjfa-20691	142	2	,	,	PUNCT
cjfa-20691	142	3	the	the	DET
cjfa-20691	142	4	realization	realization	NOUN
cjfa-20691	142	5	of	of	ADP
cjfa-20691	142	6	payments	payment	NOUN
cjfa-20691	142	7	via	via	ADP
cjfa-20691	142	8	the	the	DET
cjfa-20691	142	9	mobile	mobile	ADJ
cjfa-20691	142	10	application	application	NOUN
cjfa-20691	142	11	becomes	become	VERB
cjfa-20691	142	12	easier	easy	ADJ
cjfa-20691	142	13	,	,	PUNCT
cjfa-20691	142	14	and	and	CCONJ
cjfa-20691	142	15	the	the	DET
cjfa-20691	142	16	software	software	NOUN
cjfa-20691	142	17	also	also	ADV
cjfa-20691	142	18	gains	gain	VERB
cjfa-20691	142	19	on	on	ADP
cjfa-20691	142	20	intuitiveness	intuitiveness	NOUN
cjfa-20691	142	21	and	and	CCONJ
cjfa-20691	142	22	quickness	quickness	NOUN
cjfa-20691	142	23	of	of	ADP
cjfa-20691	142	24	operation	operation	NOUN
cjfa-20691	142	25	.	.	PUNCT
cjfa-20691	143	1	these	these	DET
cjfa-20691	143	2	features	feature	NOUN
cjfa-20691	143	3	are	be	AUX
cjfa-20691	143	4	certainly	certainly	ADV
cjfa-20691	143	5	the	the	DET
cjfa-20691	143	6	main	main	ADJ
cjfa-20691	143	7	determinants	determinant	NOUN
cjfa-20691	143	8	influencing	influence	VERB
cjfa-20691	143	9	the	the	DET
cjfa-20691	143	10	regularity	regularity	NOUN
cjfa-20691	143	11	and	and	CCONJ
cjfa-20691	143	12	frequency	frequency	NOUN
cjfa-20691	143	13	of	of	ADP
cjfa-20691	143	14	reaching	reach	VERB
cjfa-20691	143	15	for	for	ADP
cjfa-20691	143	16	the	the	DET
cjfa-20691	143	17	mobile	mobile	ADJ
cjfa-20691	143	18	instrument	instrument	NOUN
cjfa-20691	143	19	of	of	ADP
cjfa-20691	143	20	contact	contact	NOUN
cjfa-20691	143	21	with	with	ADP
cjfa-20691	143	22	the	the	DET
cjfa-20691	143	23	bank	bank	NOUN
cjfa-20691	143	24	.	.	PUNCT
cjfa-20691	144	1	within	within	ADP
cjfa-20691	144	2	the	the	DET
cjfa-20691	144	3	research	research	NOUN
cjfa-20691	144	4	framework	framework	NOUN
cjfa-20691	144	5	respondents	respondent	NOUN
cjfa-20691	144	6	were	be	AUX
cjfa-20691	144	7	also	also	ADV
cjfa-20691	144	8	asked	ask	VERB
cjfa-20691	144	9	how	how	SCONJ
cjfa-20691	144	10	often	often	ADV
cjfa-20691	144	11	they	they	PRON
cjfa-20691	144	12	use	use	VERB
cjfa-20691	144	13	the	the	DET
cjfa-20691	144	14	mobile	mobile	ADJ
cjfa-20691	144	15	application	application	NOUN
cjfa-20691	144	16	of	of	ADP
cjfa-20691	144	17	their	their	PRON
cjfa-20691	144	18	bank	bank	NOUN
cjfa-20691	144	19	.	.	PUNCT
cjfa-20691	145	1	it	it	PRON
cjfa-20691	145	2	turned	turn	VERB
cjfa-20691	145	3	out	out	ADP
cjfa-20691	145	4	that	that	SCONJ
cjfa-20691	145	5	almost	almost	ADV
cjfa-20691	145	6	1/3	1/3	NUM
cjfa-20691	145	7	of	of	ADP
cjfa-20691	145	8	the	the	DET
cjfa-20691	145	9	mobile	mobile	ADJ
cjfa-20691	145	10	banking	banking	NOUN
cjfa-20691	145	11	application	application	NOUN
cjfa-20691	145	12	owners	owner	NOUN
cjfa-20691	145	13	use	use	VERB
cjfa-20691	145	14	it	it	PRON
cjfa-20691	145	15	on	on	ADP
cjfa-20691	145	16	daily	daily	ADJ
cjfa-20691	145	17	basis	basis	NOUN
cjfa-20691	145	18	(	(	PUNCT
cjfa-20691	145	19	chart	chart	NOUN
cjfa-20691	145	20	3	3	NUM
cjfa-20691	145	21	)	)	PUNCT
cjfa-20691	145	22	,	,	PUNCT
cjfa-20691	145	23	and	and	CCONJ
cjfa-20691	145	24	almost	almost	ADV
cjfa-20691	145	25	half	half	NOUN
cjfa-20691	145	26	of	of	ADP
cjfa-20691	145	27	them	they	PRON
cjfa-20691	145	28	use	use	VERB
cjfa-20691	145	29	it	it	PRON
cjfa-20691	145	30	several	several	ADJ
cjfa-20691	145	31	times	time	NOUN
cjfa-20691	145	32	a	a	DET
cjfa-20691	145	33	week	week	NOUN
cjfa-20691	145	34	.	.	PUNCT
cjfa-20691	146	1	therefore	therefore	ADV
cjfa-20691	146	2	,	,	PUNCT
cjfa-20691	146	3	it	it	PRON
cjfa-20691	146	4	can	can	AUX
cjfa-20691	146	5	be	be	AUX
cjfa-20691	146	6	stated	state	VERB
cjfa-20691	146	7	that	that	SCONJ
cjfa-20691	146	8	three	three	NUM
cjfa-20691	146	9	out	out	ADP
cjfa-20691	146	10	of	of	ADP
cjfa-20691	146	11	four	four	NUM
cjfa-20691	146	12	respondents	respondent	NOUN
cjfa-20691	146	13	who	who	PRON
cjfa-20691	146	14	have	have	VERB
cjfa-20691	146	15	this	this	DET
cjfa-20691	146	16	application	application	NOUN
cjfa-20691	146	17	use	use	VERB
cjfa-20691	146	18	mobile	mobile	ADJ
cjfa-20691	146	19	banking	banking	NOUN
cjfa-20691	146	20	intensively	intensively	ADV
cjfa-20691	146	21	.	.	PUNCT
cjfa-20691	147	1	in	in	ADP
cjfa-20691	147	2	the	the	DET
cjfa-20691	147	3	next	next	ADJ
cjfa-20691	147	4	question	question	NOUN
cjfa-20691	147	5	,	,	PUNCT
cjfa-20691	147	6	the	the	DET
cjfa-20691	147	7	respondents	respondent	NOUN
cjfa-20691	147	8	commented	comment	VERB
cjfa-20691	147	9	on	on	ADP
cjfa-20691	147	10	the	the	DET
cjfa-20691	147	11	selected	select	VERB
cjfa-20691	147	12	functionalities	functionality	NOUN
cjfa-20691	147	13	of	of	ADP
cjfa-20691	147	14	the	the	DET
cjfa-20691	147	15	mobile	mobile	ADJ
cjfa-20691	147	16	banking	banking	NOUN
cjfa-20691	147	17	application	application	NOUN
cjfa-20691	147	18	.	.	PUNCT
cjfa-20691	148	1	according	accord	VERB
cjfa-20691	148	2	to	to	ADP
cjfa-20691	148	3	the	the	DET
cjfa-20691	148	4	chart	chart	NOUN
cjfa-20691	148	5	4	4	NUM
cjfa-20691	148	6	,	,	PUNCT
cjfa-20691	148	7	91	91	NUM
cjfa-20691	148	8	%	%	NOUN
cjfa-20691	148	9	of	of	ADP
cjfa-20691	148	10	them	they	PRON
cjfa-20691	148	11	utilize	utilize	VERB
cjfa-20691	148	12	the	the	DET
cjfa-20691	148	13	possibility	possibility	NOUN
cjfa-20691	148	14	of	of	ADP
cjfa-20691	148	15	checking	check	VERB
cjfa-20691	148	16	the	the	DET
cjfa-20691	148	17	account	account	NOUN
cjfa-20691	148	18	balance	balance	NOUN
cjfa-20691	148	19	.	.	PUNCT
cjfa-20691	149	1	a	a	DET
cjfa-20691	149	2	slightly	slightly	ADV
cjfa-20691	149	3	smaller	small	ADJ
cjfa-20691	149	4	percentage	percentage	NOUN
cjfa-20691	149	5	of	of	ADP
cjfa-20691	149	6	respondents	respondent	NOUN
cjfa-20691	149	7	(	(	PUNCT
cjfa-20691	149	8	86	86	NUM
cjfa-20691	149	9	%	%	NOUN
cjfa-20691	149	10	)	)	PUNCT
cjfa-20691	149	11	make	make	VERB
cjfa-20691	149	12	transfers	transfer	NOUN
cjfa-20691	149	13	to	to	ADP
cjfa-20691	149	14	another	another	DET
cjfa-20691	149	15	bank	bank	NOUN
cjfa-20691	149	16	account	account	NOUN
cjfa-20691	149	17	.	.	PUNCT
cjfa-20691	150	1	also	also	ADV
cjfa-20691	150	2	the	the	DET
cjfa-20691	150	3	possibility	possibility	NOUN
cjfa-20691	150	4	of	of	ADP
cjfa-20691	150	5	tracking	tracking	NOUN
cjfa-20691	150	6	transaction	transaction	NOUN
cjfa-20691	150	7	history	history	NOUN
cjfa-20691	150	8	proves	prove	VERB
cjfa-20691	150	9	to	to	PART
cjfa-20691	150	10	be	be	AUX
cjfa-20691	150	11	useful	useful	ADJ
cjfa-20691	150	12	,	,	PUNCT
cjfa-20691	150	13	because	because	SCONJ
cjfa-20691	150	14	this	this	DET
cjfa-20691	150	15	functionality	functionality	NOUN
cjfa-20691	150	16	is	be	AUX
cjfa-20691	150	17	used	use	VERB
cjfa-20691	150	18	by	by	ADP
cjfa-20691	150	19	8	8	NUM
cjfa-20691	150	20	out	out	ADP
cjfa-20691	150	21	of	of	ADP
cjfa-20691	150	22	10	10	NUM
cjfa-20691	150	23	respondents	respondent	NOUN
cjfa-20691	150	24	.	.	PUNCT
cjfa-20691	151	1	chart	chart	NOUN
cjfa-20691	151	2	4	4	NUM
cjfa-20691	151	3	.	.	PUNCT
cjfa-20691	152	1	the	the	DET
cjfa-20691	152	2	usage	usage	NOUN
cjfa-20691	152	3	of	of	ADP
cjfa-20691	152	4	selected	select	VERB
cjfa-20691	152	5	functionalities	functionality	NOUN
cjfa-20691	152	6	of	of	ADP
cjfa-20691	152	7	mobile	mobile	ADJ
cjfa-20691	152	8	banking	banking	NOUN
cjfa-20691	152	9	application	application	NOUN
cjfa-20691	152	10	source	source	NOUN
cjfa-20691	152	11	:	:	PUNCT
cjfa-20691	152	12	own	own	ADJ
cjfa-20691	152	13	study	study	NOUN
cjfa-20691	152	14	:	:	PUNCT
cjfa-20691	152	15	mobile	mobile	ADJ
cjfa-20691	152	16	banking	banking	NOUN
cjfa-20691	152	17	applications	application	NOUN
cjfa-20691	152	18	users	user	NOUN
cjfa-20691	152	19	(	(	PUNCT
cjfa-20691	152	20	among	among	ADP
cjfa-20691	152	21	polish	polish	ADJ
cjfa-20691	152	22	internet	internet	NOUN
cjfa-20691	152	23	users	user	NOUN
cjfa-20691	152	24	)	)	PUNCT
cjfa-20691	152	25	,	,	PUNCT
cjfa-20691	152	26	2018	2018	NUM
cjfa-20691	152	27	,	,	PUNCT
cjfa-20691	152	28	n=510	n=510	NUM
cjfa-20691	152	29	.	.	PUNCT
cjfa-20691	153	1	it	it	PRON
cjfa-20691	153	2	is	be	AUX
cjfa-20691	153	3	worth	worth	ADJ
cjfa-20691	153	4	noting	note	VERB
cjfa-20691	153	5	that	that	SCONJ
cjfa-20691	153	6	every	every	DET
cjfa-20691	153	7	second	second	ADJ
cjfa-20691	153	8	owner	owner	NOUN
cjfa-20691	153	9	of	of	ADP
cjfa-20691	153	10	a	a	DET
cjfa-20691	153	11	mobile	mobile	ADJ
cjfa-20691	153	12	banking	banking	NOUN
cjfa-20691	153	13	application	application	NOUN
cjfa-20691	153	14	uses	use	VERB
cjfa-20691	153	15	mobile	mobile	ADJ
cjfa-20691	153	16	payments	payment	NOUN
cjfa-20691	153	17	–	–	PUNCT
cjfa-20691	153	18	57	57	NUM
cjfa-20691	153	19	%	%	NOUN
cjfa-20691	153	20	of	of	ADP
cjfa-20691	153	21	respondents	respondent	NOUN
cjfa-20691	153	22	use	use	VERB
cjfa-20691	153	23	contactless	contactless	NOUN
cjfa-20691	153	24	payments	payment	NOUN
cjfa-20691	153	25	,	,	PUNCT
cjfa-20691	153	26	while	while	SCONJ
cjfa-20691	153	27	48	48	NUM
cjfa-20691	153	28	%	%	NOUN
cjfa-20691	153	29	use	use	VERB
cjfa-20691	153	30	the	the	DET
cjfa-20691	153	31	blik	blik	PROPN
cjfa-20691	153	32	code	code	PROPN
cjfa-20691	153	33	for	for	ADP
cjfa-20691	153	34	transactions	transaction	NOUN
cjfa-20691	153	35	.	.	PUNCT
cjfa-20691	154	1	high	high	ADJ
cjfa-20691	154	2	50.4	50.4	NUM
cjfa-20691	154	3	%	%	NOUN
cjfa-20691	154	4	49.6	49.6	NUM
cjfa-20691	154	5	%	%	NOUN
cjfa-20691	154	6	possession	possession	NOUN
cjfa-20691	154	7	of	of	ADP
cjfa-20691	154	8	the	the	DET
cjfa-20691	154	9	application	application	NOUN
cjfa-20691	154	10	i	i	PRON
cjfa-20691	154	11	have	have	VERB
cjfa-20691	154	12	a	a	DET
cjfa-20691	154	13	mobile	mobile	ADJ
cjfa-20691	154	14	banking	banking	NOUN
cjfa-20691	154	15	application	application	NOUN
cjfa-20691	154	16	i	i	PRON
cjfa-20691	154	17	do	do	AUX
cjfa-20691	154	18	n't	not	PART
cjfa-20691	154	19	have	have	VERB
cjfa-20691	154	20	a	a	DET
cjfa-20691	154	21	mobile	mobile	ADJ
cjfa-20691	154	22	banking	banking	NOUN
cjfa-20691	154	23	application	application	NOUN
cjfa-20691	154	24	2	2	NUM
cjfa-20691	154	25	%	%	NOUN
cjfa-20691	154	26	22	22	NUM
cjfa-20691	154	27	%	%	NOUN
cjfa-20691	154	28	48	48	NUM
cjfa-20691	154	29	%	%	NOUN
cjfa-20691	154	30	28	28	NUM
cjfa-20691	154	31	%	%	NOUN
cjfa-20691	154	32	0	0	NUM
cjfa-20691	154	33	%	%	NOUN
cjfa-20691	154	34	20	20	NUM
cjfa-20691	154	35	%	%	NOUN
cjfa-20691	154	36	40	40	NUM
cjfa-20691	154	37	%	%	NOUN
cjfa-20691	154	38	60	60	NUM
cjfa-20691	154	39	%	%	NOUN
cjfa-20691	154	40	frequency	frequency	NOUN
cjfa-20691	154	41	of	of	ADP
cjfa-20691	154	42	the	the	DET
cjfa-20691	154	43	use	use	NOUN
cjfa-20691	154	44	of	of	ADP
cjfa-20691	154	45	the	the	DET
cjfa-20691	154	46	application	application	NOUN
cjfa-20691	154	47	every	every	DET
cjfa-20691	154	48	day	day	NOUN
cjfa-20691	154	49	few	few	ADJ
cjfa-20691	154	50	times	time	NOUN
cjfa-20691	154	51	a	a	DET
cjfa-20691	154	52	week	week	NOUN
cjfa-20691	154	53	few	few	ADJ
cjfa-20691	154	54	times	time	NOUN
cjfa-20691	154	55	a	a	DET
cjfa-20691	154	56	month	month	NOUN
cjfa-20691	154	57	less	less	ADJ
cjfa-20691	154	58	than	than	ADP
cjfa-20691	154	59	few	few	ADJ
cjfa-20691	154	60	times	time	NOUN
cjfa-20691	154	61	a	a	DET
cjfa-20691	154	62	month	month	NOUN
cjfa-20691	154	63	91	91	NUM
cjfa-20691	154	64	%	%	NOUN
cjfa-20691	154	65	86	86	NUM
cjfa-20691	154	66	%	%	NOUN
cjfa-20691	154	67	77	77	NUM
cjfa-20691	154	68	%	%	NOUN
cjfa-20691	154	69	57	57	NUM
cjfa-20691	154	70	%	%	NOUN
cjfa-20691	154	71	48	48	NUM
cjfa-20691	154	72	%	%	NOUN
cjfa-20691	154	73	41	41	NUM
cjfa-20691	154	74	%	%	NOUN
cjfa-20691	154	75	21	21	NUM
cjfa-20691	154	76	%	%	NOUN
cjfa-20691	154	77	1	1	NUM
cjfa-20691	154	78	%	%	NOUN
cjfa-20691	154	79	0	0	NUM
cjfa-20691	154	80	%	%	NOUN
cjfa-20691	154	81	10	10	NUM
cjfa-20691	154	82	%	%	NOUN
cjfa-20691	154	83	20	20	NUM
cjfa-20691	154	84	%	%	NOUN
cjfa-20691	154	85	30	30	NUM
cjfa-20691	154	86	%	%	NOUN
cjfa-20691	154	87	40	40	NUM
cjfa-20691	154	88	%	%	NOUN
cjfa-20691	154	89	50	50	NUM
cjfa-20691	154	90	%	%	NOUN
cjfa-20691	154	91	60	60	NUM
cjfa-20691	154	92	%	%	NOUN
cjfa-20691	154	93	70	70	NUM
cjfa-20691	154	94	%	%	NOUN
cjfa-20691	154	95	80	80	NUM
cjfa-20691	154	96	%	%	NOUN
cjfa-20691	154	97	90	90	NUM
cjfa-20691	154	98	%	%	NOUN
cjfa-20691	154	99	100	100	NUM
cjfa-20691	154	100	%	%	NOUN
cjfa-20691	154	101	checking	check	VERB
cjfa-20691	154	102	the	the	DET
cjfa-20691	154	103	account	account	NOUN
cjfa-20691	154	104	balance	balance	NOUN
cjfa-20691	154	105	transfers	transfer	NOUN
cjfa-20691	154	106	to	to	ADP
cjfa-20691	154	107	a	a	DET
cjfa-20691	154	108	bank	bank	NOUN
cjfa-20691	154	109	account	account	NOUN
cjfa-20691	154	110	transaction	transaction	NOUN
cjfa-20691	154	111	history	history	NOUN
cjfa-20691	154	112	contactless	contactless	NOUN
cjfa-20691	154	113	payments	payment	NOUN
cjfa-20691	154	114	blik	blik	PROPN
cjfa-20691	154	115	code	code	PROPN
cjfa-20691	154	116	payments	payment	NOUN
cjfa-20691	154	117	reloading	reload	VERB
cjfa-20691	154	118	a	a	DET
cjfa-20691	154	119	phone	phone	NOUN
cjfa-20691	154	120	-card	-card	ADJ
cjfa-20691	154	121	transfers	transfer	NOUN
cjfa-20691	154	122	to	to	ADP
cjfa-20691	154	123	a	a	DET
cjfa-20691	154	124	telephone	telephone	NOUN
cjfa-20691	154	125	number	number	NOUN
cjfa-20691	154	126	other	other	ADJ
cjfa-20691	154	127	s	s	PART
cjfa-20691	154	128	o	o	NOUN
cjfa-20691	154	129	u	u	NOUN
cjfa-20691	154	130	r	r	NOUN
cjfa-20691	154	131	c	c	NOUN
cjfa-20691	154	132	e	e	NOUN
cjfa-20691	154	133	:	:	PUNCT
cjfa-20691	154	134	own	own	ADJ
cjfa-20691	154	135	study	study	NOUN
cjfa-20691	154	136	:	:	PUNCT
cjfa-20691	154	137	polish	polish	ADJ
cjfa-20691	154	138	internet	internet	NOUN
cjfa-20691	154	139	users	user	NOUN
cjfa-20691	154	140	,	,	PUNCT
cjfa-20691	154	141	2018	2018	NUM
cjfa-20691	154	142	,	,	PUNCT
cjfa-20691	154	143	n=1012	n=1012	PROPN
cjfa-20691	154	144	.	.	PUNCT
cjfa-20691	155	1	the	the	DET
cjfa-20691	155	2	popularity	popularity	NOUN
cjfa-20691	155	3	of	of	ADP
cjfa-20691	155	4	the	the	DET
cjfa-20691	155	5	mobile	mobile	ADJ
cjfa-20691	155	6	communication	communication	NOUN
cjfa-20691	155	7	channel	channel	NOUN
cjfa-20691	155	8	with	with	ADP
cjfa-20691	155	9	the	the	DET
cjfa-20691	155	10	bank	bank	NOUN
cjfa-20691	155	11	is	be	AUX
cjfa-20691	155	12	certainly	certainly	ADV
cjfa-20691	155	13	also	also	ADV
cjfa-20691	155	14	influenced	influence	VERB
cjfa-20691	155	15	by	by	ADP
cjfa-20691	155	16	the	the	DET
cjfa-20691	155	17	fact	fact	NOUN
cjfa-20691	155	18	that	that	SCONJ
cjfa-20691	155	19	smartphones	smartphone	NOUN
cjfa-20691	155	20	,	,	PUNCT
cjfa-20691	155	21	due	due	ADP
cjfa-20691	155	22	to	to	ADP
cjfa-20691	155	23	the	the	DET
cjfa-20691	155	24	number	number	NOUN
cjfa-20691	155	25	of	of	ADP
cjfa-20691	155	26	their	their	PRON
cjfa-20691	155	27	functionalities	functionality	NOUN
cjfa-20691	155	28	,	,	PUNCT
cjfa-20691	155	29	become	become	VERB
cjfa-20691	155	30	a	a	DET
cjfa-20691	155	31	new	new	ADJ
cjfa-20691	155	32	“	"	PUNCT
cjfa-20691	155	33	digital	digital	ADJ
cjfa-20691	155	34	wallet	wallet	NOUN
cjfa-20691	155	35	”	"	PUNCT
cjfa-20691	155	36	for	for	ADP
cjfa-20691	155	37	many	many	ADJ
cjfa-20691	155	38	consumers	consumer	NOUN
cjfa-20691	155	39	and	and	CCONJ
cjfa-20691	155	40	nowadays	nowadays	ADV
cjfa-20691	155	41	it	it	PRON
cjfa-20691	155	42	is	be	AUX
cjfa-20691	155	43	easier	easy	ADJ
cjfa-20691	155	44	to	to	PART
cjfa-20691	155	45	forget	forget	VERB
cjfa-20691	155	46	about	about	ADP
cjfa-20691	155	47	a	a	DET
cjfa-20691	155	48	traditional	traditional	ADJ
cjfa-20691	155	49	wallet	wallet	NOUN
cjfa-20691	155	50	than	than	ADP
cjfa-20691	155	51	a	a	DET
cjfa-20691	155	52	personal	personal	ADJ
cjfa-20691	155	53	mobile	mobile	ADJ
cjfa-20691	155	54	device	device	NOUN
cjfa-20691	155	55	.	.	PUNCT
cjfa-20691	156	1	currently	currently	ADV
cjfa-20691	156	2	,	,	PUNCT
cjfa-20691	156	3	the	the	DET
cjfa-20691	156	4	realization	realization	NOUN
cjfa-20691	156	5	of	of	ADP
cjfa-20691	156	6	payments	payment	NOUN
cjfa-20691	156	7	via	via	ADP
cjfa-20691	156	8	the	the	DET
cjfa-20691	156	9	mobile	mobile	ADJ
cjfa-20691	156	10	application	application	NOUN
cjfa-20691	156	11	becomes	become	VERB
cjfa-20691	156	12	easier	easy	ADJ
cjfa-20691	156	13	,	,	PUNCT
cjfa-20691	156	14	and	and	CCONJ
cjfa-20691	156	15	the	the	DET
cjfa-20691	156	16	software	software	NOUN
cjfa-20691	156	17	also	also	ADV
cjfa-20691	156	18	gains	gain	VERB
cjfa-20691	156	19	on	on	ADP
cjfa-20691	156	20	intuitiveness	intuitiveness	NOUN
cjfa-20691	156	21	and	and	CCONJ
cjfa-20691	156	22	quickness	quickness	NOUN
cjfa-20691	156	23	of	of	ADP
cjfa-20691	156	24	operation	operation	NOUN
cjfa-20691	156	25	.	.	PUNCT
cjfa-20691	157	1	these	these	DET
cjfa-20691	157	2	features	feature	NOUN
cjfa-20691	157	3	are	be	AUX
cjfa-20691	157	4	certainly	certainly	ADV
cjfa-20691	157	5	the	the	DET
cjfa-20691	157	6	main	main	ADJ
cjfa-20691	157	7	determinants	determinant	NOUN
cjfa-20691	157	8	influencing	influence	VERB
cjfa-20691	157	9	the	the	DET
cjfa-20691	157	10	regularity	regularity	NOUN
cjfa-20691	157	11	and	and	CCONJ
cjfa-20691	157	12	frequency	frequency	NOUN
cjfa-20691	157	13	of	of	ADP
cjfa-20691	157	14	reaching	reach	VERB
cjfa-20691	157	15	for	for	ADP
cjfa-20691	157	16	the	the	DET
cjfa-20691	157	17	mobile	mobile	ADJ
cjfa-20691	157	18	instrument	instrument	NOUN
cjfa-20691	157	19	of	of	ADP
cjfa-20691	157	20	contact	contact	NOUN
cjfa-20691	157	21	with	with	ADP
cjfa-20691	157	22	the	the	DET
cjfa-20691	157	23	bank	bank	NOUN
cjfa-20691	157	24	.	.	PUNCT
cjfa-20691	158	1	within	within	ADP
cjfa-20691	158	2	the	the	DET
cjfa-20691	158	3	research	research	NOUN
cjfa-20691	158	4	framework	framework	NOUN
cjfa-20691	158	5	respondents	respondent	NOUN
cjfa-20691	158	6	were	be	AUX
cjfa-20691	158	7	also	also	ADV
cjfa-20691	158	8	asked	ask	VERB
cjfa-20691	158	9	how	how	SCONJ
cjfa-20691	158	10	often	often	ADV
cjfa-20691	158	11	they	they	PRON
cjfa-20691	158	12	use	use	VERB
cjfa-20691	158	13	the	the	DET
cjfa-20691	158	14	mobile	mobile	ADJ
cjfa-20691	158	15	application	application	NOUN
cjfa-20691	158	16	of	of	ADP
cjfa-20691	158	17	their	their	PRON
cjfa-20691	158	18	bank	bank	NOUN
cjfa-20691	158	19	.	.	PUNCT
cjfa-20691	159	1	it	it	PRON
cjfa-20691	159	2	turned	turn	VERB
cjfa-20691	159	3	out	out	ADP
cjfa-20691	159	4	that	that	SCONJ
cjfa-20691	159	5	almost	almost	ADV
cjfa-20691	159	6	1/3	1/3	NUM
cjfa-20691	159	7	of	of	ADP
cjfa-20691	159	8	the	the	DET
cjfa-20691	159	9	mobile	mobile	ADJ
cjfa-20691	159	10	banking	banking	NOUN
cjfa-20691	159	11	application	application	NOUN
cjfa-20691	159	12	owners	owner	NOUN
cjfa-20691	159	13	use	use	VERB
cjfa-20691	159	14	it	it	PRON
cjfa-20691	159	15	on	on	ADP
cjfa-20691	159	16	daily	daily	ADJ
cjfa-20691	159	17	basis	basis	NOUN
cjfa-20691	159	18	(	(	PUNCT
cjfa-20691	159	19	figure	figure	NOUN
cjfa-20691	159	20	3	3	NUM
cjfa-20691	159	21	)	)	PUNCT
cjfa-20691	159	22	,	,	PUNCT
cjfa-20691	159	23	and	and	CCONJ
cjfa-20691	159	24	almost	almost	ADV
cjfa-20691	159	25	half	half	NOUN
cjfa-20691	159	26	of	of	ADP
cjfa-20691	159	27	them	they	PRON
cjfa-20691	159	28	use	use	VERB
cjfa-20691	159	29	it	it	PRON
cjfa-20691	159	30	several	several	ADJ
cjfa-20691	159	31	times	time	NOUN
cjfa-20691	159	32	a	a	DET
cjfa-20691	159	33	week	week	NOUN
cjfa-20691	159	34	.	.	PUNCT
cjfa-20691	160	1	therefore	therefore	ADV
cjfa-20691	160	2	,	,	PUNCT
cjfa-20691	160	3	it	it	PRON
cjfa-20691	160	4	can	can	AUX
cjfa-20691	160	5	be	be	AUX
cjfa-20691	160	6	stated	state	VERB
cjfa-20691	160	7	that	that	SCONJ
cjfa-20691	160	8	the	the	DET
cjfa-20691	160	9	usage	usage	NOUN
cjfa-20691	160	10	of	of	ADP
cjfa-20691	160	11	mobile	mobile	ADJ
cjfa-20691	160	12	banking	banking	NOUN
cjfa-20691	160	13	applications	application	NOUN
cjfa-20691	160	14	in	in	ADP
cjfa-20691	160	15	poland	poland	PROPN
cjfa-20691	160	16	…	…	PUNCT
cjfa-20691	160	17	19	19	NUM
cjfa-20691	160	18	three	three	NUM
cjfa-20691	160	19	out	out	ADP
cjfa-20691	160	20	of	of	ADP
cjfa-20691	160	21	four	four	NUM
cjfa-20691	160	22	respondents	respondent	NOUN
cjfa-20691	160	23	who	who	PRON
cjfa-20691	160	24	have	have	VERB
cjfa-20691	160	25	this	this	DET
cjfa-20691	160	26	application	application	NOUN
cjfa-20691	160	27	use	use	VERB
cjfa-20691	160	28	mobile	mobile	ADJ
cjfa-20691	160	29	banking	banking	NOUN
cjfa-20691	160	30	intensively	intensively	ADV
cjfa-20691	160	31	.	.	PUNCT
cjfa-20691	161	1	in	in	ADP
cjfa-20691	161	2	the	the	DET
cjfa-20691	161	3	next	next	ADJ
cjfa-20691	161	4	question	question	NOUN
cjfa-20691	161	5	,	,	PUNCT
cjfa-20691	161	6	the	the	DET
cjfa-20691	161	7	respondents	respondent	NOUN
cjfa-20691	161	8	commented	comment	VERB
cjfa-20691	161	9	on	on	ADP
cjfa-20691	161	10	the	the	DET
cjfa-20691	161	11	selected	select	VERB
cjfa-20691	161	12	functionalities	functionality	NOUN
cjfa-20691	161	13	of	of	ADP
cjfa-20691	161	14	the	the	DET
cjfa-20691	161	15	mobile	mobile	ADJ
cjfa-20691	161	16	banking	banking	NOUN
cjfa-20691	161	17	application	application	NOUN
cjfa-20691	161	18	.	.	PUNCT
cjfa-20691	162	1	according	accord	VERB
cjfa-20691	162	2	to	to	ADP
cjfa-20691	162	3	the	the	DET
cjfa-20691	162	4	figure	figure	NOUN
cjfa-20691	162	5	4	4	NUM
cjfa-20691	162	6	,	,	PUNCT
cjfa-20691	162	7	91	91	NUM
cjfa-20691	162	8	%	%	NOUN
cjfa-20691	162	9	of	of	ADP
cjfa-20691	162	10	them	they	PRON
cjfa-20691	162	11	utilize	utilize	VERB
cjfa-20691	162	12	the	the	DET
cjfa-20691	162	13	possibility	possibility	NOUN
cjfa-20691	162	14	of	of	ADP
cjfa-20691	162	15	checking	check	VERB
cjfa-20691	162	16	the	the	DET
cjfa-20691	162	17	account	account	NOUN
cjfa-20691	162	18	balance	balance	NOUN
cjfa-20691	162	19	.	.	PUNCT
cjfa-20691	163	1	a	a	DET
cjfa-20691	163	2	slightly	slightly	ADV
cjfa-20691	163	3	smaller	small	ADJ
cjfa-20691	163	4	percentage	percentage	NOUN
cjfa-20691	163	5	of	of	ADP
cjfa-20691	163	6	respondents	respondent	NOUN
cjfa-20691	163	7	(	(	PUNCT
cjfa-20691	163	8	86	86	NUM
cjfa-20691	163	9	%	%	NOUN
cjfa-20691	163	10	)	)	PUNCT
cjfa-20691	163	11	make	make	VERB
cjfa-20691	163	12	transfers	transfer	NOUN
cjfa-20691	163	13	to	to	ADP
cjfa-20691	163	14	another	another	DET
cjfa-20691	163	15	bank	bank	NOUN
cjfa-20691	163	16	account	account	NOUN
cjfa-20691	163	17	.	.	PUNCT
cjfa-20691	164	1	also	also	ADV
cjfa-20691	164	2	the	the	DET
cjfa-20691	164	3	possibility	possibility	NOUN
cjfa-20691	164	4	of	of	ADP
cjfa-20691	164	5	tracking	tracking	NOUN
cjfa-20691	164	6	transaction	transaction	NOUN
cjfa-20691	164	7	history	history	NOUN
cjfa-20691	164	8	proves	prove	VERB
cjfa-20691	164	9	to	to	PART
cjfa-20691	164	10	be	be	AUX
cjfa-20691	164	11	useful	useful	ADJ
cjfa-20691	164	12	,	,	PUNCT
cjfa-20691	164	13	because	because	SCONJ
cjfa-20691	164	14	this	this	DET
cjfa-20691	164	15	functionality	functionality	NOUN
cjfa-20691	164	16	is	be	AUX
cjfa-20691	164	17	used	use	VERB
cjfa-20691	164	18	by	by	ADP
cjfa-20691	164	19	8	8	NUM
cjfa-20691	164	20	out	out	ADP
cjfa-20691	164	21	of	of	ADP
cjfa-20691	164	22	10	10	NUM
cjfa-20691	164	23	respondents	respondent	NOUN
cjfa-20691	164	24	.	.	PUNCT
cjfa-20691	165	1	figure	figure	VERB
cjfa-20691	165	2	4	4	NUM
cjfa-20691	165	3	.	.	PUNCT
cjfa-20691	166	1	the	the	DET
cjfa-20691	166	2	usage	usage	NOUN
cjfa-20691	166	3	of	of	ADP
cjfa-20691	166	4	selected	select	VERB
cjfa-20691	166	5	functionalities	functionality	NOUN
cjfa-20691	166	6	of	of	ADP
cjfa-20691	166	7	mobile	mobile	ADJ
cjfa-20691	166	8	banking	banking	NOUN
cjfa-20691	166	9	application	application	NOUN
cjfa-20691	166	10	source	source	NOUN
cjfa-20691	166	11	:	:	PUNCT
cjfa-20691	166	12	own	own	ADJ
cjfa-20691	166	13	study	study	NOUN
cjfa-20691	166	14	:	:	PUNCT
cjfa-20691	166	15	polish	polish	ADJ
cjfa-20691	166	16	internet	internet	NOUN
cjfa-20691	166	17	users	user	NOUN
cjfa-20691	166	18	,	,	PUNCT
cjfa-20691	166	19	2018	2018	NUM
cjfa-20691	166	20	,	,	PUNCT
cjfa-20691	166	21	n=1012	n=1012	PROPN
cjfa-20691	166	22	.	.	PUNCT
cjfa-20691	167	1	the	the	DET
cjfa-20691	167	2	popularity	popularity	NOUN
cjfa-20691	167	3	of	of	ADP
cjfa-20691	167	4	the	the	DET
cjfa-20691	167	5	mobile	mobile	ADJ
cjfa-20691	167	6	communication	communication	NOUN
cjfa-20691	167	7	channel	channel	NOUN
cjfa-20691	167	8	with	with	ADP
cjfa-20691	167	9	the	the	DET
cjfa-20691	167	10	bank	bank	NOUN
cjfa-20691	167	11	is	be	AUX
cjfa-20691	167	12	certainly	certainly	ADV
cjfa-20691	167	13	also	also	ADV
cjfa-20691	167	14	influenced	influence	VERB
cjfa-20691	167	15	by	by	ADP
cjfa-20691	167	16	the	the	DET
cjfa-20691	167	17	fact	fact	NOUN
cjfa-20691	167	18	that	that	SCONJ
cjfa-20691	167	19	smartphones	smartphone	NOUN
cjfa-20691	167	20	,	,	PUNCT
cjfa-20691	167	21	due	due	ADP
cjfa-20691	167	22	to	to	ADP
cjfa-20691	167	23	the	the	DET
cjfa-20691	167	24	number	number	NOUN
cjfa-20691	167	25	of	of	ADP
cjfa-20691	167	26	their	their	PRON
cjfa-20691	167	27	functionalities	functionality	NOUN
cjfa-20691	167	28	,	,	PUNCT
cjfa-20691	167	29	become	become	VERB
cjfa-20691	167	30	a	a	DET
cjfa-20691	167	31	new	new	ADJ
cjfa-20691	167	32	“	"	PUNCT
cjfa-20691	167	33	digital	digital	ADJ
cjfa-20691	167	34	wallet	wallet	NOUN
cjfa-20691	167	35	”	"	PUNCT
cjfa-20691	167	36	for	for	ADP
cjfa-20691	167	37	many	many	ADJ
cjfa-20691	167	38	consumers	consumer	NOUN
cjfa-20691	167	39	and	and	CCONJ
cjfa-20691	167	40	nowadays	nowadays	ADV
cjfa-20691	167	41	it	it	PRON
cjfa-20691	167	42	is	be	AUX
cjfa-20691	167	43	easier	easy	ADJ
cjfa-20691	167	44	to	to	PART
cjfa-20691	167	45	forget	forget	VERB
cjfa-20691	167	46	about	about	ADP
cjfa-20691	167	47	a	a	DET
cjfa-20691	167	48	traditional	traditional	ADJ
cjfa-20691	167	49	wallet	wallet	NOUN
cjfa-20691	167	50	than	than	ADP
cjfa-20691	167	51	a	a	DET
cjfa-20691	167	52	personal	personal	ADJ
cjfa-20691	167	53	mobile	mobile	ADJ
cjfa-20691	167	54	device	device	NOUN
cjfa-20691	167	55	.	.	PUNCT
cjfa-20691	168	1	currently	currently	ADV
cjfa-20691	168	2	,	,	PUNCT
cjfa-20691	168	3	the	the	DET
cjfa-20691	168	4	realization	realization	NOUN
cjfa-20691	168	5	of	of	ADP
cjfa-20691	168	6	payments	payment	NOUN
cjfa-20691	168	7	via	via	ADP
cjfa-20691	168	8	the	the	DET
cjfa-20691	168	9	mobile	mobile	ADJ
cjfa-20691	168	10	application	application	NOUN
cjfa-20691	168	11	becomes	become	VERB
cjfa-20691	168	12	easier	easy	ADJ
cjfa-20691	168	13	,	,	PUNCT
cjfa-20691	168	14	and	and	CCONJ
cjfa-20691	168	15	the	the	DET
cjfa-20691	168	16	software	software	NOUN
cjfa-20691	168	17	also	also	ADV
cjfa-20691	168	18	gains	gain	VERB
cjfa-20691	168	19	on	on	ADP
cjfa-20691	168	20	intuitiveness	intuitiveness	NOUN
cjfa-20691	168	21	and	and	CCONJ
cjfa-20691	168	22	quickness	quickness	NOUN
cjfa-20691	168	23	of	of	ADP
cjfa-20691	168	24	operation	operation	NOUN
cjfa-20691	168	25	.	.	PUNCT
cjfa-20691	169	1	these	these	DET
cjfa-20691	169	2	features	feature	NOUN
cjfa-20691	169	3	are	be	AUX
cjfa-20691	169	4	certainly	certainly	ADV
cjfa-20691	169	5	the	the	DET
cjfa-20691	169	6	main	main	ADJ
cjfa-20691	169	7	determinants	determinant	NOUN
cjfa-20691	169	8	influencing	influence	VERB
cjfa-20691	169	9	the	the	DET
cjfa-20691	169	10	regularity	regularity	NOUN
cjfa-20691	169	11	and	and	CCONJ
cjfa-20691	169	12	frequency	frequency	NOUN
cjfa-20691	169	13	of	of	ADP
cjfa-20691	169	14	reaching	reach	VERB
cjfa-20691	169	15	for	for	ADP
cjfa-20691	169	16	the	the	DET
cjfa-20691	169	17	mobile	mobile	ADJ
cjfa-20691	169	18	instrument	instrument	NOUN
cjfa-20691	169	19	of	of	ADP
cjfa-20691	169	20	contact	contact	NOUN
cjfa-20691	169	21	with	with	ADP
cjfa-20691	169	22	the	the	DET
cjfa-20691	169	23	bank	bank	NOUN
cjfa-20691	169	24	.	.	PUNCT
cjfa-20691	170	1	within	within	ADP
cjfa-20691	170	2	the	the	DET
cjfa-20691	170	3	research	research	NOUN
cjfa-20691	170	4	framework	framework	NOUN
cjfa-20691	170	5	respondents	respondent	NOUN
cjfa-20691	170	6	were	be	AUX
cjfa-20691	170	7	also	also	ADV
cjfa-20691	170	8	asked	ask	VERB
cjfa-20691	170	9	how	how	SCONJ
cjfa-20691	170	10	often	often	ADV
cjfa-20691	170	11	they	they	PRON
cjfa-20691	170	12	use	use	VERB
cjfa-20691	170	13	the	the	DET
cjfa-20691	170	14	mobile	mobile	ADJ
cjfa-20691	170	15	application	application	NOUN
cjfa-20691	170	16	of	of	ADP
cjfa-20691	170	17	their	their	PRON
cjfa-20691	170	18	bank	bank	NOUN
cjfa-20691	170	19	.	.	PUNCT
cjfa-20691	171	1	it	it	PRON
cjfa-20691	171	2	turned	turn	VERB
cjfa-20691	171	3	out	out	ADP
cjfa-20691	171	4	that	that	SCONJ
cjfa-20691	171	5	almost	almost	ADV
cjfa-20691	171	6	1/3	1/3	NUM
cjfa-20691	171	7	of	of	ADP
cjfa-20691	171	8	the	the	DET
cjfa-20691	171	9	mobile	mobile	ADJ
cjfa-20691	171	10	banking	banking	NOUN
cjfa-20691	171	11	application	application	NOUN
cjfa-20691	171	12	owners	owner	NOUN
cjfa-20691	171	13	use	use	VERB
cjfa-20691	171	14	it	it	PRON
cjfa-20691	171	15	on	on	ADP
cjfa-20691	171	16	daily	daily	ADJ
cjfa-20691	171	17	basis	basis	NOUN
cjfa-20691	171	18	(	(	PUNCT
cjfa-20691	171	19	chart	chart	NOUN
cjfa-20691	171	20	3	3	NUM
cjfa-20691	171	21	)	)	PUNCT
cjfa-20691	171	22	,	,	PUNCT
cjfa-20691	171	23	and	and	CCONJ
cjfa-20691	171	24	almost	almost	ADV
cjfa-20691	171	25	half	half	NOUN
cjfa-20691	171	26	of	of	ADP
cjfa-20691	171	27	them	they	PRON
cjfa-20691	171	28	use	use	VERB
cjfa-20691	171	29	it	it	PRON
cjfa-20691	171	30	several	several	ADJ
cjfa-20691	171	31	times	time	NOUN
cjfa-20691	171	32	a	a	DET
cjfa-20691	171	33	week	week	NOUN
cjfa-20691	171	34	.	.	PUNCT
cjfa-20691	172	1	therefore	therefore	ADV
cjfa-20691	172	2	,	,	PUNCT
cjfa-20691	172	3	it	it	PRON
cjfa-20691	172	4	can	can	AUX
cjfa-20691	172	5	be	be	AUX
cjfa-20691	172	6	stated	state	VERB
cjfa-20691	172	7	that	that	SCONJ
cjfa-20691	172	8	three	three	NUM
cjfa-20691	172	9	out	out	ADP
cjfa-20691	172	10	of	of	ADP
cjfa-20691	172	11	four	four	NUM
cjfa-20691	172	12	respondents	respondent	NOUN
cjfa-20691	172	13	who	who	PRON
cjfa-20691	172	14	have	have	VERB
cjfa-20691	172	15	this	this	DET
cjfa-20691	172	16	application	application	NOUN
cjfa-20691	172	17	use	use	VERB
cjfa-20691	172	18	mobile	mobile	ADJ
cjfa-20691	172	19	banking	banking	NOUN
cjfa-20691	172	20	intensively	intensively	ADV
cjfa-20691	172	21	.	.	PUNCT
cjfa-20691	173	1	in	in	ADP
cjfa-20691	173	2	the	the	DET
cjfa-20691	173	3	next	next	ADJ
cjfa-20691	173	4	question	question	NOUN
cjfa-20691	173	5	,	,	PUNCT
cjfa-20691	173	6	the	the	DET
cjfa-20691	173	7	respondents	respondent	NOUN
cjfa-20691	173	8	commented	comment	VERB
cjfa-20691	173	9	on	on	ADP
cjfa-20691	173	10	the	the	DET
cjfa-20691	173	11	selected	select	VERB
cjfa-20691	173	12	functionalities	functionality	NOUN
cjfa-20691	173	13	of	of	ADP
cjfa-20691	173	14	the	the	DET
cjfa-20691	173	15	mobile	mobile	ADJ
cjfa-20691	173	16	banking	banking	NOUN
cjfa-20691	173	17	application	application	NOUN
cjfa-20691	173	18	.	.	PUNCT
cjfa-20691	174	1	according	accord	VERB
cjfa-20691	174	2	to	to	ADP
cjfa-20691	174	3	the	the	DET
cjfa-20691	174	4	chart	chart	NOUN
cjfa-20691	174	5	4	4	NUM
cjfa-20691	174	6	,	,	PUNCT
cjfa-20691	174	7	91	91	NUM
cjfa-20691	174	8	%	%	NOUN
cjfa-20691	174	9	of	of	ADP
cjfa-20691	174	10	them	they	PRON
cjfa-20691	174	11	utilize	utilize	VERB
cjfa-20691	174	12	the	the	DET
cjfa-20691	174	13	possibility	possibility	NOUN
cjfa-20691	174	14	of	of	ADP
cjfa-20691	174	15	checking	check	VERB
cjfa-20691	174	16	the	the	DET
cjfa-20691	174	17	account	account	NOUN
cjfa-20691	174	18	balance	balance	NOUN
cjfa-20691	174	19	.	.	PUNCT
cjfa-20691	175	1	a	a	DET
cjfa-20691	175	2	slightly	slightly	ADV
cjfa-20691	175	3	smaller	small	ADJ
cjfa-20691	175	4	percentage	percentage	NOUN
cjfa-20691	175	5	of	of	ADP
cjfa-20691	175	6	respondents	respondent	NOUN
cjfa-20691	175	7	(	(	PUNCT
cjfa-20691	175	8	86	86	NUM
cjfa-20691	175	9	%	%	NOUN
cjfa-20691	175	10	)	)	PUNCT
cjfa-20691	175	11	make	make	VERB
cjfa-20691	175	12	transfers	transfer	NOUN
cjfa-20691	175	13	to	to	ADP
cjfa-20691	175	14	another	another	DET
cjfa-20691	175	15	bank	bank	NOUN
cjfa-20691	175	16	account	account	NOUN
cjfa-20691	175	17	.	.	PUNCT
cjfa-20691	176	1	also	also	ADV
cjfa-20691	176	2	the	the	DET
cjfa-20691	176	3	possibility	possibility	NOUN
cjfa-20691	176	4	of	of	ADP
cjfa-20691	176	5	tracking	tracking	NOUN
cjfa-20691	176	6	transaction	transaction	NOUN
cjfa-20691	176	7	history	history	NOUN
cjfa-20691	176	8	proves	prove	VERB
cjfa-20691	176	9	to	to	PART
cjfa-20691	176	10	be	be	AUX
cjfa-20691	176	11	useful	useful	ADJ
cjfa-20691	176	12	,	,	PUNCT
cjfa-20691	176	13	because	because	SCONJ
cjfa-20691	176	14	this	this	DET
cjfa-20691	176	15	functionality	functionality	NOUN
cjfa-20691	176	16	is	be	AUX
cjfa-20691	176	17	used	use	VERB
cjfa-20691	176	18	by	by	ADP
cjfa-20691	176	19	8	8	NUM
cjfa-20691	176	20	out	out	ADP
cjfa-20691	176	21	of	of	ADP
cjfa-20691	176	22	10	10	NUM
cjfa-20691	176	23	respondents	respondent	NOUN
cjfa-20691	176	24	.	.	PUNCT
cjfa-20691	177	1	chart	chart	NOUN
cjfa-20691	177	2	4	4	NUM
cjfa-20691	177	3	.	.	PUNCT
cjfa-20691	178	1	the	the	DET
cjfa-20691	178	2	usage	usage	NOUN
cjfa-20691	178	3	of	of	ADP
cjfa-20691	178	4	selected	select	VERB
cjfa-20691	178	5	functionalities	functionality	NOUN
cjfa-20691	178	6	of	of	ADP
cjfa-20691	178	7	mobile	mobile	ADJ
cjfa-20691	178	8	banking	banking	NOUN
cjfa-20691	178	9	application	application	NOUN
cjfa-20691	178	10	source	source	NOUN
cjfa-20691	178	11	:	:	PUNCT
cjfa-20691	178	12	own	own	ADJ
cjfa-20691	178	13	study	study	NOUN
cjfa-20691	178	14	:	:	PUNCT
cjfa-20691	178	15	mobile	mobile	ADJ
cjfa-20691	178	16	banking	banking	NOUN
cjfa-20691	178	17	applications	application	NOUN
cjfa-20691	178	18	users	user	NOUN
cjfa-20691	178	19	(	(	PUNCT
cjfa-20691	178	20	among	among	ADP
cjfa-20691	178	21	polish	polish	ADJ
cjfa-20691	178	22	internet	internet	NOUN
cjfa-20691	178	23	users	user	NOUN
cjfa-20691	178	24	)	)	PUNCT
cjfa-20691	178	25	,	,	PUNCT
cjfa-20691	178	26	2018	2018	NUM
cjfa-20691	178	27	,	,	PUNCT
cjfa-20691	178	28	n=510	n=510	NUM
cjfa-20691	178	29	.	.	PUNCT
cjfa-20691	179	1	it	it	PRON
cjfa-20691	179	2	is	be	AUX
cjfa-20691	179	3	worth	worth	ADJ
cjfa-20691	179	4	noting	note	VERB
cjfa-20691	179	5	that	that	SCONJ
cjfa-20691	179	6	every	every	DET
cjfa-20691	179	7	second	second	ADJ
cjfa-20691	179	8	owner	owner	NOUN
cjfa-20691	179	9	of	of	ADP
cjfa-20691	179	10	a	a	DET
cjfa-20691	179	11	mobile	mobile	ADJ
cjfa-20691	179	12	banking	banking	NOUN
cjfa-20691	179	13	application	application	NOUN
cjfa-20691	179	14	uses	use	VERB
cjfa-20691	179	15	mobile	mobile	ADJ
cjfa-20691	179	16	payments	payment	NOUN
cjfa-20691	179	17	–	–	PUNCT
cjfa-20691	179	18	57	57	NUM
cjfa-20691	179	19	%	%	NOUN
cjfa-20691	179	20	of	of	ADP
cjfa-20691	179	21	respondents	respondent	NOUN
cjfa-20691	179	22	use	use	VERB
cjfa-20691	179	23	contactless	contactless	NOUN
cjfa-20691	179	24	payments	payment	NOUN
cjfa-20691	179	25	,	,	PUNCT
cjfa-20691	179	26	while	while	SCONJ
cjfa-20691	179	27	48	48	NUM
cjfa-20691	179	28	%	%	NOUN
cjfa-20691	179	29	use	use	VERB
cjfa-20691	179	30	the	the	DET
cjfa-20691	179	31	blik	blik	PROPN
cjfa-20691	179	32	code	code	PROPN
cjfa-20691	179	33	for	for	ADP
cjfa-20691	179	34	transactions	transaction	NOUN
cjfa-20691	179	35	.	.	PUNCT
cjfa-20691	180	1	high	high	ADJ
cjfa-20691	180	2	50.4	50.4	NUM
cjfa-20691	180	3	%	%	NOUN
cjfa-20691	180	4	49.6	49.6	NUM
cjfa-20691	180	5	%	%	NOUN
cjfa-20691	180	6	possession	possession	NOUN
cjfa-20691	180	7	of	of	ADP
cjfa-20691	180	8	the	the	DET
cjfa-20691	180	9	application	application	NOUN
cjfa-20691	180	10	i	i	PRON
cjfa-20691	180	11	have	have	VERB
cjfa-20691	180	12	a	a	DET
cjfa-20691	180	13	mobile	mobile	ADJ
cjfa-20691	180	14	banking	banking	NOUN
cjfa-20691	180	15	application	application	NOUN
cjfa-20691	180	16	i	i	PRON
cjfa-20691	180	17	do	do	AUX
cjfa-20691	180	18	n't	not	PART
cjfa-20691	180	19	have	have	VERB
cjfa-20691	180	20	a	a	DET
cjfa-20691	180	21	mobile	mobile	ADJ
cjfa-20691	180	22	banking	banking	NOUN
cjfa-20691	180	23	application	application	NOUN
cjfa-20691	180	24	2	2	NUM
cjfa-20691	180	25	%	%	NOUN
cjfa-20691	180	26	22	22	NUM
cjfa-20691	180	27	%	%	NOUN
cjfa-20691	180	28	48	48	NUM
cjfa-20691	180	29	%	%	NOUN
cjfa-20691	180	30	28	28	NUM
cjfa-20691	180	31	%	%	NOUN
cjfa-20691	180	32	0	0	NUM
cjfa-20691	180	33	%	%	NOUN
cjfa-20691	180	34	20	20	NUM
cjfa-20691	180	35	%	%	NOUN
cjfa-20691	180	36	40	40	NUM
cjfa-20691	180	37	%	%	NOUN
cjfa-20691	180	38	60	60	NUM
cjfa-20691	180	39	%	%	NOUN
cjfa-20691	180	40	frequency	frequency	NOUN
cjfa-20691	180	41	of	of	ADP
cjfa-20691	180	42	the	the	DET
cjfa-20691	180	43	use	use	NOUN
cjfa-20691	180	44	of	of	ADP
cjfa-20691	180	45	the	the	DET
cjfa-20691	180	46	application	application	NOUN
cjfa-20691	180	47	every	every	DET
cjfa-20691	180	48	day	day	NOUN
cjfa-20691	180	49	few	few	ADJ
cjfa-20691	180	50	times	time	NOUN
cjfa-20691	180	51	a	a	DET
cjfa-20691	180	52	week	week	NOUN
cjfa-20691	180	53	few	few	ADJ
cjfa-20691	180	54	times	time	NOUN
cjfa-20691	180	55	a	a	DET
cjfa-20691	180	56	month	month	NOUN
cjfa-20691	180	57	less	less	ADJ
cjfa-20691	180	58	than	than	ADP
cjfa-20691	180	59	few	few	ADJ
cjfa-20691	180	60	times	time	NOUN
cjfa-20691	180	61	a	a	DET
cjfa-20691	180	62	month	month	NOUN
cjfa-20691	180	63	91	91	NUM
cjfa-20691	180	64	%	%	NOUN
cjfa-20691	180	65	86	86	NUM
cjfa-20691	180	66	%	%	NOUN
cjfa-20691	180	67	77	77	NUM
cjfa-20691	180	68	%	%	NOUN
cjfa-20691	180	69	57	57	NUM
cjfa-20691	180	70	%	%	NOUN
cjfa-20691	180	71	48	48	NUM
cjfa-20691	180	72	%	%	NOUN
cjfa-20691	180	73	41	41	NUM
cjfa-20691	180	74	%	%	NOUN
cjfa-20691	180	75	21	21	NUM
cjfa-20691	180	76	%	%	NOUN
cjfa-20691	180	77	1	1	NUM
cjfa-20691	180	78	%	%	NOUN
cjfa-20691	180	79	0	0	NUM
cjfa-20691	180	80	%	%	NOUN
cjfa-20691	180	81	10	10	NUM
cjfa-20691	180	82	%	%	NOUN
cjfa-20691	180	83	20	20	NUM
cjfa-20691	180	84	%	%	NOUN
cjfa-20691	180	85	30	30	NUM
cjfa-20691	180	86	%	%	NOUN
cjfa-20691	180	87	40	40	NUM
cjfa-20691	180	88	%	%	NOUN
cjfa-20691	180	89	50	50	NUM
cjfa-20691	180	90	%	%	NOUN
cjfa-20691	180	91	60	60	NUM
cjfa-20691	180	92	%	%	NOUN
cjfa-20691	180	93	70	70	NUM
cjfa-20691	180	94	%	%	NOUN
cjfa-20691	180	95	80	80	NUM
cjfa-20691	180	96	%	%	NOUN
cjfa-20691	180	97	90	90	NUM
cjfa-20691	180	98	%	%	NOUN
cjfa-20691	180	99	100	100	NUM
cjfa-20691	180	100	%	%	NOUN
cjfa-20691	180	101	checking	check	VERB
cjfa-20691	180	102	the	the	DET
cjfa-20691	180	103	account	account	NOUN
cjfa-20691	180	104	balance	balance	NOUN
cjfa-20691	180	105	transfers	transfer	NOUN
cjfa-20691	180	106	to	to	ADP
cjfa-20691	180	107	a	a	DET
cjfa-20691	180	108	bank	bank	NOUN
cjfa-20691	180	109	account	account	NOUN
cjfa-20691	180	110	transaction	transaction	NOUN
cjfa-20691	180	111	history	history	NOUN
cjfa-20691	180	112	contactless	contactless	NOUN
cjfa-20691	180	113	payments	payment	NOUN
cjfa-20691	180	114	blik	blik	PROPN
cjfa-20691	180	115	code	code	PROPN
cjfa-20691	180	116	payments	payment	NOUN
cjfa-20691	180	117	reloading	reload	VERB
cjfa-20691	180	118	a	a	DET
cjfa-20691	180	119	phone	phone	NOUN
cjfa-20691	180	120	-card	-card	ADJ
cjfa-20691	180	121	transfers	transfer	NOUN
cjfa-20691	180	122	to	to	ADP
cjfa-20691	180	123	a	a	DET
cjfa-20691	180	124	telephone	telephone	NOUN
cjfa-20691	180	125	number	number	NOUN
cjfa-20691	180	126	other	other	ADJ
cjfa-20691	180	127	s	s	PART
cjfa-20691	180	128	o	o	NOUN
cjfa-20691	180	129	u	u	NOUN
cjfa-20691	180	130	r	r	NOUN
cjfa-20691	180	131	c	c	NOUN
cjfa-20691	180	132	e	e	NOUN
cjfa-20691	180	133	:	:	PUNCT
cjfa-20691	180	134	own	own	ADJ
cjfa-20691	180	135	study	study	NOUN
cjfa-20691	180	136	:	:	PUNCT
cjfa-20691	180	137	mobile	mobile	ADJ
cjfa-20691	180	138	banking	banking	NOUN
cjfa-20691	180	139	applications	application	NOUN
cjfa-20691	180	140	users	user	NOUN
cjfa-20691	180	141	(	(	PUNCT
cjfa-20691	180	142	among	among	ADP
cjfa-20691	180	143	polish	polish	ADJ
cjfa-20691	180	144	internet	internet	NOUN
cjfa-20691	180	145	users	user	NOUN
cjfa-20691	180	146	)	)	PUNCT
cjfa-20691	180	147	,	,	PUNCT
cjfa-20691	180	148	2018	2018	NUM
cjfa-20691	180	149	,	,	PUNCT
cjfa-20691	180	150	n=510	n=510	NUM
cjfa-20691	180	151	.	.	PUNCT
cjfa-20691	181	1	it	it	PRON
cjfa-20691	181	2	is	be	AUX
cjfa-20691	181	3	worth	worth	ADJ
cjfa-20691	181	4	noting	note	VERB
cjfa-20691	181	5	that	that	SCONJ
cjfa-20691	181	6	every	every	DET
cjfa-20691	181	7	second	second	ADJ
cjfa-20691	181	8	owner	owner	NOUN
cjfa-20691	181	9	of	of	ADP
cjfa-20691	181	10	a	a	DET
cjfa-20691	181	11	mobile	mobile	ADJ
cjfa-20691	181	12	banking	banking	NOUN
cjfa-20691	181	13	application	application	NOUN
cjfa-20691	181	14	uses	use	VERB
cjfa-20691	181	15	mobile	mobile	ADJ
cjfa-20691	181	16	payments	payment	NOUN
cjfa-20691	181	17	–	–	PUNCT
cjfa-20691	181	18	57	57	NUM
cjfa-20691	181	19	%	%	NOUN
cjfa-20691	181	20	of	of	ADP
cjfa-20691	181	21	respondents	respondent	NOUN
cjfa-20691	181	22	use	use	VERB
cjfa-20691	181	23	contactless	contactless	NOUN
cjfa-20691	181	24	payments	payment	NOUN
cjfa-20691	181	25	,	,	PUNCT
cjfa-20691	181	26	while	while	SCONJ
cjfa-20691	181	27	48	48	NUM
cjfa-20691	181	28	%	%	NOUN
cjfa-20691	181	29	use	use	VERB
cjfa-20691	181	30	the	the	DET
cjfa-20691	181	31	blik	blik	PROPN
cjfa-20691	181	32	code	code	PROPN
cjfa-20691	181	33	for	for	ADP
cjfa-20691	181	34	transactions	transaction	NOUN
cjfa-20691	181	35	.	.	PUNCT
cjfa-20691	182	1	high	high	ADJ
cjfa-20691	182	2	percentages	percentage	NOUN
cjfa-20691	182	3	of	of	ADP
cjfa-20691	182	4	particular	particular	ADJ
cjfa-20691	182	5	functionalities	functionality	NOUN
cjfa-20691	182	6	usage	usage	NOUN
cjfa-20691	182	7	suggest	suggest	VERB
cjfa-20691	182	8	that	that	SCONJ
cjfa-20691	182	9	the	the	DET
cjfa-20691	182	10	feature	feature	NOUN
cjfa-20691	182	11	convincing	convince	VERB
cjfa-20691	182	12	bank	bank	NOUN
cjfa-20691	182	13	clients	client	NOUN
cjfa-20691	182	14	is	be	AUX
cjfa-20691	182	15	the	the	DET
cjfa-20691	182	16	fact	fact	NOUN
cjfa-20691	182	17	that	that	SCONJ
cjfa-20691	182	18	the	the	DET
cjfa-20691	182	19	mobile	mobile	ADJ
cjfa-20691	182	20	application	application	NOUN
cjfa-20691	182	21	is	be	AUX
cjfa-20691	182	22	a	a	DET
cjfa-20691	182	23	comprehensive	comprehensive	ADJ
cjfa-20691	182	24	instrument	instrument	NOUN
cjfa-20691	182	25	that	that	PRON
cjfa-20691	182	26	offers	offer	VERB
cjfa-20691	182	27	access	access	NOUN
cjfa-20691	182	28	to	to	ADP
cjfa-20691	182	29	many	many	ADJ
cjfa-20691	182	30	services	service	NOUN
cjfa-20691	182	31	.	.	PUNCT
cjfa-20691	183	1	in	in	ADP
cjfa-20691	183	2	the	the	DET
cjfa-20691	183	3	final	final	ADJ
cjfa-20691	183	4	part	part	NOUN
cjfa-20691	183	5	of	of	ADP
cjfa-20691	183	6	this	this	DET
cjfa-20691	183	7	survey	survey	NOUN
cjfa-20691	183	8	,	,	PUNCT
cjfa-20691	183	9	the	the	DET
cjfa-20691	183	10	respondents	respondent	NOUN
cjfa-20691	183	11	were	be	AUX
cjfa-20691	183	12	asked	ask	VERB
cjfa-20691	183	13	to	to	PART
cjfa-20691	183	14	describe	describe	VERB
cjfa-20691	183	15	their	their	PRON
cjfa-20691	183	16	sensations	sensation	NOUN
cjfa-20691	183	17	related	relate	VERB
cjfa-20691	183	18	to	to	ADP
cjfa-20691	183	19	the	the	DET
cjfa-20691	183	20	use	use	NOUN
cjfa-20691	183	21	of	of	ADP
cjfa-20691	183	22	mobile	mobile	ADJ
cjfa-20691	183	23	banking	banking	NOUN
cjfa-20691	183	24	applications	application	NOUN
cjfa-20691	183	25	.	.	PUNCT
cjfa-20691	184	1	in	in	ADP
cjfa-20691	184	2	the	the	DET
cjfa-20691	184	3	questionnaire	questionnaire	NOUN
cjfa-20691	184	4	developed	develop	VERB
cjfa-20691	184	5	,	,	PUNCT
cjfa-20691	184	6	two	two	NUM
cjfa-20691	184	7	groups	group	NOUN
cjfa-20691	184	8	of	of	ADP
cjfa-20691	184	9	questions	question	NOUN
cjfa-20691	184	10	were	be	AUX
cjfa-20691	184	11	distinguished	distinguish	VERB
cjfa-20691	184	12	:	:	PUNCT
cjfa-20691	184	13	the	the	DET
cjfa-20691	184	14	first	first	ADJ
cjfa-20691	184	15	,	,	PUNCT
cjfa-20691	184	16	focused	focused	ADJ
cjfa-20691	184	17	mikołaj	mikołaj	NOUN
cjfa-20691	184	18	borowski	borowski	NOUN
cjfa-20691	184	19	-	-	PUNCT
cjfa-20691	184	20	beszta	beszta	ADJ
cjfa-20691	184	21	,	,	PUNCT
cjfa-20691	184	22	anna	anna	PROPN
cjfa-20691	184	23	kiermas20	kiermas20	PROPN
cjfa-20691	184	24	on	on	ADP
cjfa-20691	184	25	the	the	DET
cjfa-20691	184	26	evaluation	evaluation	NOUN
cjfa-20691	184	27	of	of	ADP
cjfa-20691	184	28	the	the	DET
cjfa-20691	184	29	use	use	NOUN
cjfa-20691	184	30	of	of	ADP
cjfa-20691	184	31	this	this	DET
cjfa-20691	184	32	application	application	NOUN
cjfa-20691	184	33	,	,	PUNCT
cjfa-20691	184	34	the	the	DET
cjfa-20691	184	35	second	second	ADJ
cjfa-20691	184	36	on	on	ADP
cjfa-20691	184	37	general	general	ADJ
cjfa-20691	184	38	satisfaction	satisfaction	NOUN
cjfa-20691	184	39	with	with	ADP
cjfa-20691	184	40	this	this	DET
cjfa-20691	184	41	application	application	NOUN
cjfa-20691	184	42	.	.	PUNCT
cjfa-20691	185	1	through	through	ADP
cjfa-20691	185	2	these	these	DET
cjfa-20691	185	3	questions	question	NOUN
cjfa-20691	185	4	,	,	PUNCT
cjfa-20691	185	5	the	the	DET
cjfa-20691	185	6	authors	author	NOUN
cjfa-20691	185	7	wanted	want	VERB
cjfa-20691	185	8	to	to	PART
cjfa-20691	185	9	examine	examine	VERB
cjfa-20691	185	10	the	the	DET
cjfa-20691	185	11	respondents	respondent	NOUN
cjfa-20691	185	12	’	’	PART
cjfa-20691	185	13	attitude	attitude	NOUN
cjfa-20691	185	14	towards	towards	ADP
cjfa-20691	185	15	mobile	mobile	ADJ
cjfa-20691	185	16	banking	banking	NOUN
cjfa-20691	185	17	applications	application	NOUN
cjfa-20691	185	18	on	on	ADP
cjfa-20691	185	19	daily	daily	ADJ
cjfa-20691	185	20	basis	basis	NOUN
cjfa-20691	185	21	.	.	PUNCT
cjfa-20691	186	1	figure	figure	NOUN
cjfa-20691	186	2	5	5	NUM
cjfa-20691	186	3	.	.	PUNCT
cjfa-20691	187	1	the	the	DET
cjfa-20691	187	2	perception	perception	NOUN
cjfa-20691	187	3	of	of	ADP
cjfa-20691	187	4	mobile	mobile	ADJ
cjfa-20691	187	5	banking	banking	NOUN
cjfa-20691	187	6	applications	application	NOUN
cjfa-20691	187	7	by	by	ADP
cjfa-20691	187	8	polish	polish	ADJ
cjfa-20691	187	9	internet	internet	NOUN
cjfa-20691	187	10	users	user	NOUN
cjfa-20691	187	11	*	*	PUNCT
cjfa-20691	187	12	in	in	ADP
cjfa-20691	187	13	the	the	DET
cjfa-20691	187	14	final	final	ADJ
cjfa-20691	187	15	part	part	NOUN
cjfa-20691	187	16	of	of	ADP
cjfa-20691	187	17	this	this	DET
cjfa-20691	187	18	survey	survey	NOUN
cjfa-20691	187	19	,	,	PUNCT
cjfa-20691	187	20	the	the	DET
cjfa-20691	187	21	respondents	respondent	NOUN
cjfa-20691	187	22	were	be	AUX
cjfa-20691	187	23	asked	ask	VERB
cjfa-20691	187	24	to	to	PART
cjfa-20691	187	25	describe	describe	VERB
cjfa-20691	187	26	their	their	PRON
cjfa-20691	187	27	sensations	sensation	NOUN
cjfa-20691	187	28	related	relate	VERB
cjfa-20691	187	29	to	to	ADP
cjfa-20691	187	30	the	the	DET
cjfa-20691	187	31	use	use	NOUN
cjfa-20691	187	32	of	of	ADP
cjfa-20691	187	33	mobile	mobile	ADJ
cjfa-20691	187	34	banking	banking	NOUN
cjfa-20691	187	35	applications	application	NOUN
cjfa-20691	187	36	.	.	PUNCT
cjfa-20691	188	1	in	in	ADP
cjfa-20691	188	2	the	the	DET
cjfa-20691	188	3	questionnaire	questionnaire	NOUN
cjfa-20691	188	4	developed	develop	VERB
cjfa-20691	188	5	,	,	PUNCT
cjfa-20691	188	6	two	two	NUM
cjfa-20691	188	7	groups	group	NOUN
cjfa-20691	188	8	of	of	ADP
cjfa-20691	188	9	questions	question	NOUN
cjfa-20691	188	10	were	be	AUX
cjfa-20691	188	11	distinguished	distinguish	VERB
cjfa-20691	188	12	:	:	PUNCT
cjfa-20691	188	13	the	the	DET
cjfa-20691	188	14	first	first	ADJ
cjfa-20691	188	15	,	,	PUNCT
cjfa-20691	188	16	focused	focus	VERB
cjfa-20691	188	17	on	on	ADP
cjfa-20691	188	18	the	the	DET
cjfa-20691	188	19	evaluation	evaluation	NOUN
cjfa-20691	188	20	of	of	ADP
cjfa-20691	188	21	the	the	DET
cjfa-20691	188	22	use	use	NOUN
cjfa-20691	188	23	of	of	ADP
cjfa-20691	188	24	this	this	DET
cjfa-20691	188	25	application	application	NOUN
cjfa-20691	188	26	,	,	PUNCT
cjfa-20691	188	27	the	the	DET
cjfa-20691	188	28	second	second	ADJ
cjfa-20691	188	29	on	on	ADP
cjfa-20691	188	30	general	general	ADJ
cjfa-20691	188	31	satisfaction	satisfaction	NOUN
cjfa-20691	188	32	with	with	ADP
cjfa-20691	188	33	this	this	DET
cjfa-20691	188	34	application	application	NOUN
cjfa-20691	188	35	.	.	PUNCT
cjfa-20691	189	1	through	through	ADP
cjfa-20691	189	2	these	these	DET
cjfa-20691	189	3	questions	question	NOUN
cjfa-20691	189	4	,	,	PUNCT
cjfa-20691	189	5	the	the	DET
cjfa-20691	189	6	authors	author	NOUN
cjfa-20691	189	7	wanted	want	VERB
cjfa-20691	189	8	to	to	PART
cjfa-20691	189	9	examine	examine	VERB
cjfa-20691	189	10	the	the	DET
cjfa-20691	189	11	respondents	respondent	NOUN
cjfa-20691	189	12	’	’	PART
cjfa-20691	189	13	attitude	attitude	NOUN
cjfa-20691	189	14	towards	towards	ADP
cjfa-20691	189	15	mobile	mobile	ADJ
cjfa-20691	189	16	banking	banking	NOUN
cjfa-20691	189	17	applications	application	NOUN
cjfa-20691	189	18	on	on	ADP
cjfa-20691	189	19	daily	daily	ADJ
cjfa-20691	189	20	basis	basis	NOUN
cjfa-20691	189	21	.	.	PUNCT
cjfa-20691	190	1	chart	chart	NOUN
cjfa-20691	190	2	5	5	NUM
cjfa-20691	190	3	.	.	PUNCT
cjfa-20691	191	1	the	the	DET
cjfa-20691	191	2	perception	perception	NOUN
cjfa-20691	191	3	of	of	ADP
cjfa-20691	191	4	mobile	mobile	ADJ
cjfa-20691	191	5	banking	banking	NOUN
cjfa-20691	191	6	applications	application	NOUN
cjfa-20691	191	7	by	by	ADP
cjfa-20691	191	8	polish	polish	ADJ
cjfa-20691	191	9	internet	internet	NOUN
cjfa-20691	191	10	users	user	NOUN
cjfa-20691	191	11	source	source	NOUN
cjfa-20691	191	12	:	:	PUNCT
cjfa-20691	191	13	own	own	ADJ
cjfa-20691	191	14	study	study	NOUN
cjfa-20691	191	15	:	:	PUNCT
cjfa-20691	191	16	mobile	mobile	ADJ
cjfa-20691	191	17	banking	banking	NOUN
cjfa-20691	191	18	applications	application	NOUN
cjfa-20691	191	19	users	user	NOUN
cjfa-20691	191	20	(	(	PUNCT
cjfa-20691	191	21	among	among	ADP
cjfa-20691	191	22	polish	polish	ADJ
cjfa-20691	191	23	internet	internet	NOUN
cjfa-20691	191	24	users	user	NOUN
cjfa-20691	191	25	)	)	PUNCT
cjfa-20691	191	26	,	,	PUNCT
cjfa-20691	191	27	2018	2018	NUM
cjfa-20691	191	28	,	,	PUNCT
cjfa-20691	191	29	n=510	n=510	NUM
cjfa-20691	191	30	.	.	PUNCT
cjfa-20691	192	1	*	*	PUNCT
cjfa-20691	192	2	the	the	DET
cjfa-20691	192	3	results	result	NOUN
cjfa-20691	192	4	of	of	ADP
cjfa-20691	192	5	application	application	NOUN
cjfa-20691	192	6	use	use	NOUN
cjfa-20691	192	7	evaluation	evaluation	NOUN
cjfa-20691	192	8	present	present	VERB
cjfa-20691	192	9	the	the	DET
cjfa-20691	192	10	sum	sum	NOUN
cjfa-20691	192	11	of	of	ADP
cjfa-20691	192	12	answers	answer	NOUN
cjfa-20691	192	13	“	"	PUNCT
cjfa-20691	192	14	i	i	PRON
cjfa-20691	192	15	definitely	definitely	ADV
cjfa-20691	192	16	agree	agree	VERB
cjfa-20691	192	17	”	"	PUNCT
cjfa-20691	192	18	and	and	CCONJ
cjfa-20691	192	19	“	"	PUNCT
cjfa-20691	192	20	i	i	PRON
cjfa-20691	192	21	rather	rather	ADV
cjfa-20691	192	22	agree	agree	VERB
cjfa-20691	192	23	”	"	PUNCT
cjfa-20691	192	24	.	.	PUNCT
cjfa-20691	193	1	it	it	PRON
cjfa-20691	193	2	turned	turn	VERB
cjfa-20691	193	3	out	out	ADP
cjfa-20691	193	4	that	that	SCONJ
cjfa-20691	193	5	92	92	NUM
cjfa-20691	193	6	%	%	NOUN
cjfa-20691	193	7	of	of	ADP
cjfa-20691	193	8	respondents	respondent	NOUN
cjfa-20691	193	9	opted	opt	VERB
cjfa-20691	193	10	for	for	ADP
cjfa-20691	193	11	the	the	DET
cjfa-20691	193	12	convenience	convenience	NOUN
cjfa-20691	193	13	of	of	ADP
cjfa-20691	193	14	owned	own	VERB
cjfa-20691	193	15	by	by	ADP
cjfa-20691	193	16	them	they	PRON
cjfa-20691	193	17	mobile	mobile	ADJ
cjfa-20691	193	18	banking	banking	NOUN
cjfa-20691	193	19	application	application	NOUN
cjfa-20691	193	20	,	,	PUNCT
cjfa-20691	193	21	which	which	PRON
cjfa-20691	193	22	is	be	AUX
cjfa-20691	193	23	probably	probably	ADV
cjfa-20691	193	24	their	their	PRON
cjfa-20691	193	25	main	main	ADJ
cjfa-20691	193	26	,	,	PUNCT
cjfa-20691	193	27	comfortable	comfortable	ADJ
cjfa-20691	193	28	communication	communication	NOUN
cjfa-20691	193	29	channel	channel	NOUN
cjfa-20691	193	30	with	with	ADP
cjfa-20691	193	31	the	the	DET
cjfa-20691	193	32	bank	bank	NOUN
cjfa-20691	193	33	,	,	PUNCT
cjfa-20691	193	34	and	and	CCONJ
cjfa-20691	193	35	according	accord	VERB
cjfa-20691	193	36	to	to	ADP
cjfa-20691	193	37	91	91	NUM
cjfa-20691	193	38	%	%	NOUN
cjfa-20691	193	39	of	of	ADP
cjfa-20691	193	40	respondents	respondent	NOUN
cjfa-20691	193	41	,	,	PUNCT
cjfa-20691	193	42	these	these	DET
cjfa-20691	193	43	applications	application	NOUN
cjfa-20691	193	44	are	be	AUX
cjfa-20691	193	45	also	also	ADV
cjfa-20691	193	46	quick	quick	ADJ
cjfa-20691	193	47	in	in	ADP
cjfa-20691	193	48	action	action	NOUN
cjfa-20691	193	49	,	,	PUNCT
cjfa-20691	193	50	i.e.	i.e.	X
cjfa-20691	193	51	they	they	PRON
cjfa-20691	193	52	do	do	AUX
cjfa-20691	193	53	not	not	PART
cjfa-20691	193	54	go	go	VERB
cjfa-20691	193	55	down	down	ADV
cjfa-20691	193	56	,	,	PUNCT
cjfa-20691	193	57	and	and	CCONJ
cjfa-20691	193	58	transactions	transaction	NOUN
cjfa-20691	193	59	can	can	AUX
cjfa-20691	193	60	be	be	AUX
cjfa-20691	193	61	carried	carry	VERB
cjfa-20691	193	62	out	out	ADP
cjfa-20691	193	63	without	without	ADP
cjfa-20691	193	64	unnecessary	unnecessary	ADJ
cjfa-20691	193	65	delays	delay	NOUN
cjfa-20691	193	66	.	.	PUNCT
cjfa-20691	194	1	the	the	DET
cjfa-20691	194	2	security	security	NOUN
cjfa-20691	194	3	level	level	NOUN
cjfa-20691	194	4	is	be	AUX
cjfa-20691	194	5	not	not	PART
cjfa-20691	194	6	perceived	perceive	VERB
cjfa-20691	194	7	so	so	ADV
cjfa-20691	194	8	well	well	ADV
cjfa-20691	194	9	,	,	PUNCT
cjfa-20691	194	10	but	but	CCONJ
cjfa-20691	194	11	still	still	ADV
cjfa-20691	194	12	very	very	ADV
cjfa-20691	194	13	good	good	ADJ
cjfa-20691	194	14	–	–	PUNCT
cjfa-20691	194	15	84	84	NUM
cjfa-20691	194	16	%	%	NOUN
cjfa-20691	194	17	of	of	ADP
cjfa-20691	194	18	respondents	respondent	NOUN
cjfa-20691	194	19	consider	consider	VERB
cjfa-20691	194	20	mobile	mobile	ADJ
cjfa-20691	194	21	banking	banking	NOUN
cjfa-20691	194	22	as	as	ADV
cjfa-20691	194	23	safe	safe	ADJ
cjfa-20691	194	24	,	,	PUNCT
cjfa-20691	194	25	which	which	PRON
cjfa-20691	194	26	is	be	AUX
cjfa-20691	194	27	certainly	certainly	ADV
cjfa-20691	194	28	influenced	influence	VERB
cjfa-20691	194	29	by	by	ADP
cjfa-20691	194	30	the	the	DET
cjfa-20691	194	31	continuous	continuous	ADJ
cjfa-20691	194	32	development	development	NOUN
cjfa-20691	194	33	of	of	ADP
cjfa-20691	194	34	these	these	DET
cjfa-20691	194	35	applications	application	NOUN
cjfa-20691	194	36	and	and	CCONJ
cjfa-20691	194	37	methods	method	NOUN
cjfa-20691	194	38	of	of	ADP
cjfa-20691	194	39	client	client	NOUN
cjfa-20691	194	40	authentication	authentication	NOUN
cjfa-20691	194	41	.	.	PUNCT
cjfa-20691	195	1	the	the	DET
cjfa-20691	195	2	last	last	ADJ
cjfa-20691	195	3	question	question	NOUN
cjfa-20691	195	4	of	of	ADP
cjfa-20691	195	5	this	this	DET
cjfa-20691	195	6	survey	survey	NOUN
cjfa-20691	195	7	was	be	AUX
cjfa-20691	195	8	related	relate	VERB
cjfa-20691	195	9	to	to	ADP
cjfa-20691	195	10	assessing	assess	VERB
cjfa-20691	195	11	the	the	DET
cjfa-20691	195	12	overall	overall	ADJ
cjfa-20691	195	13	satisfaction	satisfaction	NOUN
cjfa-20691	195	14	with	with	ADP
cjfa-20691	195	15	using	use	VERB
cjfa-20691	195	16	the	the	DET
cjfa-20691	195	17	mobile	mobile	ADJ
cjfa-20691	195	18	banking	banking	NOUN
cjfa-20691	195	19	application	application	NOUN
cjfa-20691	195	20	.	.	PUNCT
cjfa-20691	196	1	similarly	similarly	ADV
cjfa-20691	196	2	to	to	ADP
cjfa-20691	196	3	the	the	DET
cjfa-20691	196	4	evaluation	evaluation	NOUN
cjfa-20691	196	5	of	of	ADP
cjfa-20691	196	6	particular	particular	ADJ
cjfa-20691	196	7	features	feature	NOUN
cjfa-20691	196	8	of	of	ADP
cjfa-20691	196	9	the	the	DET
cjfa-20691	196	10	application	application	NOUN
cjfa-20691	196	11	listed	list	VERB
cjfa-20691	196	12	above	above	ADV
cjfa-20691	196	13	,	,	PUNCT
cjfa-20691	196	14	the	the	DET
cjfa-20691	196	15	prevailing	prevail	VERB
cjfa-20691	196	16	level	level	NOUN
cjfa-20691	196	17	of	of	ADP
cjfa-20691	196	18	satisfaction	satisfaction	NOUN
cjfa-20691	196	19	is	be	AUX
cjfa-20691	196	20	very	very	ADV
cjfa-20691	196	21	high	high	ADJ
cjfa-20691	196	22	–	–	PUNCT
cjfa-20691	196	23	nearly	nearly	ADV
cjfa-20691	196	24	nine	nine	NUM
cjfa-20691	196	25	out	out	ADP
cjfa-20691	196	26	of	of	ADP
cjfa-20691	196	27	ten	ten	NUM
cjfa-20691	196	28	respondents	respondent	NOUN
cjfa-20691	196	29	are	be	AUX
cjfa-20691	196	30	satisfied	satisfied	ADJ
cjfa-20691	196	31	with	with	ADP
cjfa-20691	196	32	their	their	PRON
cjfa-20691	196	33	mobile	mobile	ADJ
cjfa-20691	196	34	banking	banking	NOUN
cjfa-20691	196	35	application	application	NOUN
cjfa-20691	196	36	(	(	PUNCT
cjfa-20691	196	37	chart	chart	NOUN
cjfa-20691	196	38	5	5	NUM
cjfa-20691	196	39	)	)	PUNCT
cjfa-20691	196	40	.	.	PUNCT
cjfa-20691	197	1	however	however	ADV
cjfa-20691	197	2	,	,	PUNCT
cjfa-20691	197	3	there	there	ADV
cjfa-20691	197	4	92	92	NUM
cjfa-20691	197	5	%	%	NOUN
cjfa-20691	197	6	91	91	NUM
cjfa-20691	197	7	%	%	NOUN
cjfa-20691	197	8	84	84	NUM
cjfa-20691	197	9	%	%	NOUN
cjfa-20691	197	10	0	0	NUM
cjfa-20691	197	11	%	%	NOUN
cjfa-20691	197	12	10	10	NUM
cjfa-20691	197	13	%	%	NOUN
cjfa-20691	197	14	20	20	NUM
cjfa-20691	197	15	%	%	NOUN
cjfa-20691	197	16	30	30	NUM
cjfa-20691	197	17	%	%	NOUN
cjfa-20691	197	18	40	40	NUM
cjfa-20691	197	19	%	%	NOUN
cjfa-20691	197	20	50	50	NUM
cjfa-20691	197	21	%	%	NOUN
cjfa-20691	197	22	60	60	NUM
cjfa-20691	197	23	%	%	NOUN
cjfa-20691	197	24	70	70	NUM
cjfa-20691	197	25	%	%	NOUN
cjfa-20691	197	26	80	80	NUM
cjfa-20691	197	27	%	%	NOUN
cjfa-20691	197	28	90	90	NUM
cjfa-20691	197	29	%	%	NOUN
cjfa-20691	197	30	100	100	NUM
cjfa-20691	197	31	%	%	NOUN
cjfa-20691	197	32	convenient	convenient	ADJ
cjfa-20691	197	33	quick	quick	ADJ
cjfa-20691	197	34	safe	safe	ADJ
cjfa-20691	197	35	evaluation	evaluation	NOUN
cjfa-20691	197	36	of	of	ADP
cjfa-20691	197	37	the	the	DET
cjfa-20691	197	38	use	use	NOUN
cjfa-20691	197	39	of	of	ADP
cjfa-20691	197	40	the	the	DET
cjfa-20691	197	41	application	application	NOUN
cjfa-20691	197	42	38	38	NUM
cjfa-20691	197	43	%	%	NOUN
cjfa-20691	197	44	49	49	NUM
cjfa-20691	197	45	%	%	NOUN
cjfa-20691	197	46	5	5	NUM
cjfa-20691	197	47	%	%	NOUN
cjfa-20691	197	48	5	5	NUM
cjfa-20691	197	49	%	%	NOUN
cjfa-20691	197	50	4	4	NUM
cjfa-20691	197	51	%	%	NOUN
cjfa-20691	197	52	satisfaction	satisfaction	NOUN
cjfa-20691	197	53	with	with	ADP
cjfa-20691	197	54	the	the	DET
cjfa-20691	197	55	application	application	NOUN
cjfa-20691	197	56	very	very	ADV
cjfa-20691	197	57	satisfied	satisfied	ADJ
cjfa-20691	197	58	rather	rather	ADV
cjfa-20691	197	59	satisfaied	satisfaie	VERB
cjfa-20691	197	60	neither	neither	CCONJ
cjfa-20691	197	61	satisfied	satisfied	ADJ
cjfa-20691	197	62	nor	nor	CCONJ
cjfa-20691	197	63	dissatisfied	dissatisfied	ADJ
cjfa-20691	197	64	rather	rather	ADV
cjfa-20691	197	65	dissatisfied	dissatisfied	ADJ
cjfa-20691	197	66	very	very	ADV
cjfa-20691	197	67	dissatisfied	dissatisfied	ADJ
cjfa-20691	197	68	s	s	PART
cjfa-20691	197	69	o	o	NOUN
cjfa-20691	197	70	u	u	NOUN
cjfa-20691	197	71	r	r	NOUN
cjfa-20691	197	72	c	c	NOUN
cjfa-20691	197	73	e	e	NOUN
cjfa-20691	197	74	:	:	PUNCT
cjfa-20691	197	75	own	own	ADJ
cjfa-20691	197	76	study	study	NOUN
cjfa-20691	197	77	:	:	PUNCT
cjfa-20691	197	78	mobile	mobile	ADJ
cjfa-20691	197	79	banking	banking	NOUN
cjfa-20691	197	80	applications	application	NOUN
cjfa-20691	197	81	users	user	NOUN
cjfa-20691	197	82	(	(	PUNCT
cjfa-20691	197	83	among	among	ADP
cjfa-20691	197	84	polish	polish	ADJ
cjfa-20691	197	85	internet	internet	NOUN
cjfa-20691	197	86	users	user	NOUN
cjfa-20691	197	87	)	)	PUNCT
cjfa-20691	197	88	,	,	PUNCT
cjfa-20691	197	89	2018	2018	NUM
cjfa-20691	197	90	,	,	PUNCT
cjfa-20691	197	91	n=510	n=510	NUM
cjfa-20691	197	92	.	.	PUNCT
cjfa-20691	198	1	*	*	PUNCT
cjfa-20691	198	2	the	the	DET
cjfa-20691	198	3	results	result	NOUN
cjfa-20691	198	4	of	of	ADP
cjfa-20691	198	5	application	application	NOUN
cjfa-20691	198	6	use	use	NOUN
cjfa-20691	198	7	evaluation	evaluation	NOUN
cjfa-20691	198	8	present	present	VERB
cjfa-20691	198	9	the	the	DET
cjfa-20691	198	10	sum	sum	NOUN
cjfa-20691	198	11	of	of	ADP
cjfa-20691	198	12	answers	answer	NOUN
cjfa-20691	198	13	“	"	PUNCT
cjfa-20691	198	14	i	i	PRON
cjfa-20691	198	15	definitely	definitely	ADV
cjfa-20691	198	16	agree	agree	VERB
cjfa-20691	198	17	”	"	PUNCT
cjfa-20691	198	18	and	and	CCONJ
cjfa-20691	198	19	“	"	PUNCT
cjfa-20691	198	20	i	i	PRON
cjfa-20691	198	21	rather	rather	ADV
cjfa-20691	198	22	agree	agree	VERB
cjfa-20691	198	23	”	"	PUNCT
cjfa-20691	198	24	.	.	PUNCT
cjfa-20691	199	1	it	it	PRON
cjfa-20691	199	2	turned	turn	VERB
cjfa-20691	199	3	out	out	ADP
cjfa-20691	199	4	that	that	SCONJ
cjfa-20691	199	5	92	92	NUM
cjfa-20691	199	6	%	%	NOUN
cjfa-20691	199	7	of	of	ADP
cjfa-20691	199	8	respondents	respondent	NOUN
cjfa-20691	199	9	opted	opt	VERB
cjfa-20691	199	10	for	for	ADP
cjfa-20691	199	11	the	the	DET
cjfa-20691	199	12	convenience	convenience	NOUN
cjfa-20691	199	13	of	of	ADP
cjfa-20691	199	14	owned	own	VERB
cjfa-20691	199	15	by	by	ADP
cjfa-20691	199	16	them	they	PRON
cjfa-20691	199	17	mobile	mobile	ADJ
cjfa-20691	199	18	banking	banking	NOUN
cjfa-20691	199	19	application	application	NOUN
cjfa-20691	199	20	,	,	PUNCT
cjfa-20691	199	21	which	which	PRON
cjfa-20691	199	22	is	be	AUX
cjfa-20691	199	23	probably	probably	ADV
cjfa-20691	199	24	their	their	PRON
cjfa-20691	199	25	main	main	ADJ
cjfa-20691	199	26	,	,	PUNCT
cjfa-20691	199	27	comfortable	comfortable	ADJ
cjfa-20691	199	28	communication	communication	NOUN
cjfa-20691	199	29	channel	channel	NOUN
cjfa-20691	199	30	with	with	ADP
cjfa-20691	199	31	the	the	DET
cjfa-20691	199	32	bank	bank	NOUN
cjfa-20691	199	33	,	,	PUNCT
cjfa-20691	199	34	and	and	CCONJ
cjfa-20691	199	35	according	accord	VERB
cjfa-20691	199	36	to	to	ADP
cjfa-20691	199	37	91	91	NUM
cjfa-20691	199	38	%	%	NOUN
cjfa-20691	199	39	of	of	ADP
cjfa-20691	199	40	respondents	respondent	NOUN
cjfa-20691	199	41	,	,	PUNCT
cjfa-20691	199	42	these	these	DET
cjfa-20691	199	43	applications	application	NOUN
cjfa-20691	199	44	are	be	AUX
cjfa-20691	199	45	also	also	ADV
cjfa-20691	199	46	quick	quick	ADJ
cjfa-20691	199	47	in	in	ADP
cjfa-20691	199	48	action	action	NOUN
cjfa-20691	199	49	,	,	PUNCT
cjfa-20691	199	50	i.e.	i.e.	X
cjfa-20691	199	51	they	they	PRON
cjfa-20691	199	52	do	do	AUX
cjfa-20691	199	53	not	not	PART
cjfa-20691	199	54	go	go	VERB
cjfa-20691	199	55	down	down	ADV
cjfa-20691	199	56	,	,	PUNCT
cjfa-20691	199	57	and	and	CCONJ
cjfa-20691	199	58	transactions	transaction	NOUN
cjfa-20691	199	59	can	can	AUX
cjfa-20691	199	60	be	be	AUX
cjfa-20691	199	61	carried	carry	VERB
cjfa-20691	199	62	out	out	ADP
cjfa-20691	199	63	without	without	ADP
cjfa-20691	199	64	unnecessary	unnecessary	ADJ
cjfa-20691	199	65	delays	delay	NOUN
cjfa-20691	199	66	.	.	PUNCT
cjfa-20691	200	1	the	the	DET
cjfa-20691	200	2	security	security	NOUN
cjfa-20691	200	3	level	level	NOUN
cjfa-20691	200	4	is	be	AUX
cjfa-20691	200	5	not	not	PART
cjfa-20691	200	6	perceived	perceive	VERB
cjfa-20691	200	7	so	so	ADV
cjfa-20691	200	8	well	well	ADV
cjfa-20691	200	9	,	,	PUNCT
cjfa-20691	200	10	but	but	CCONJ
cjfa-20691	200	11	still	still	ADV
cjfa-20691	200	12	very	very	ADV
cjfa-20691	200	13	good	good	ADJ
cjfa-20691	200	14	–	–	PUNCT
cjfa-20691	200	15	84	84	NUM
cjfa-20691	200	16	%	%	NOUN
cjfa-20691	200	17	of	of	ADP
cjfa-20691	200	18	respondents	respondent	NOUN
cjfa-20691	200	19	consider	consider	VERB
cjfa-20691	200	20	mobile	mobile	ADJ
cjfa-20691	200	21	banking	banking	NOUN
cjfa-20691	200	22	as	as	ADV
cjfa-20691	200	23	safe	safe	ADJ
cjfa-20691	200	24	,	,	PUNCT
cjfa-20691	200	25	which	which	PRON
cjfa-20691	200	26	is	be	AUX
cjfa-20691	200	27	certainly	certainly	ADV
cjfa-20691	200	28	influenced	influence	VERB
cjfa-20691	200	29	by	by	ADP
cjfa-20691	200	30	the	the	DET
cjfa-20691	200	31	continuous	continuous	ADJ
cjfa-20691	200	32	development	development	NOUN
cjfa-20691	200	33	of	of	ADP
cjfa-20691	200	34	these	these	DET
cjfa-20691	200	35	applications	application	NOUN
cjfa-20691	200	36	and	and	CCONJ
cjfa-20691	200	37	methods	method	NOUN
cjfa-20691	200	38	of	of	ADP
cjfa-20691	200	39	client	client	NOUN
cjfa-20691	200	40	authentication	authentication	NOUN
cjfa-20691	200	41	.	.	PUNCT
cjfa-20691	201	1	the	the	DET
cjfa-20691	201	2	last	last	ADJ
cjfa-20691	201	3	question	question	NOUN
cjfa-20691	201	4	of	of	ADP
cjfa-20691	201	5	this	this	DET
cjfa-20691	201	6	survey	survey	NOUN
cjfa-20691	201	7	was	be	AUX
cjfa-20691	201	8	related	relate	VERB
cjfa-20691	201	9	to	to	ADP
cjfa-20691	201	10	assessing	assess	VERB
cjfa-20691	201	11	the	the	DET
cjfa-20691	201	12	overall	overall	ADJ
cjfa-20691	201	13	satisfaction	satisfaction	NOUN
cjfa-20691	201	14	with	with	ADP
cjfa-20691	201	15	using	use	VERB
cjfa-20691	201	16	the	the	DET
cjfa-20691	201	17	mobile	mobile	ADJ
cjfa-20691	201	18	banking	banking	NOUN
cjfa-20691	201	19	application	application	NOUN
cjfa-20691	201	20	.	.	PUNCT
cjfa-20691	202	1	similarly	similarly	ADV
cjfa-20691	202	2	to	to	ADP
cjfa-20691	202	3	the	the	DET
cjfa-20691	202	4	evaluation	evaluation	NOUN
cjfa-20691	202	5	of	of	ADP
cjfa-20691	202	6	particular	particular	ADJ
cjfa-20691	202	7	features	feature	NOUN
cjfa-20691	202	8	of	of	ADP
cjfa-20691	202	9	the	the	DET
cjfa-20691	202	10	application	application	NOUN
cjfa-20691	202	11	listed	list	VERB
cjfa-20691	202	12	above	above	ADV
cjfa-20691	202	13	,	,	PUNCT
cjfa-20691	202	14	the	the	DET
cjfa-20691	202	15	prevailing	prevail	VERB
cjfa-20691	202	16	level	level	NOUN
cjfa-20691	202	17	of	of	ADP
cjfa-20691	202	18	satisfaction	satisfaction	NOUN
cjfa-20691	202	19	is	be	AUX
cjfa-20691	202	20	very	very	ADV
cjfa-20691	202	21	high	high	ADJ
cjfa-20691	202	22	–	–	PUNCT
cjfa-20691	202	23	nearly	nearly	ADV
cjfa-20691	202	24	nine	nine	NUM
cjfa-20691	202	25	out	out	ADP
cjfa-20691	202	26	of	of	ADP
cjfa-20691	202	27	ten	ten	NUM
cjfa-20691	202	28	respondents	respondent	NOUN
cjfa-20691	202	29	are	be	AUX
cjfa-20691	202	30	satisfied	satisfied	ADJ
cjfa-20691	202	31	with	with	ADP
cjfa-20691	202	32	their	their	PRON
cjfa-20691	202	33	mobile	mobile	ADJ
cjfa-20691	202	34	banking	banking	NOUN
cjfa-20691	202	35	application	application	NOUN
cjfa-20691	202	36	(	(	PUNCT
cjfa-20691	202	37	figure	figure	NOUN
cjfa-20691	202	38	5	5	NUM
cjfa-20691	202	39	)	)	PUNCT
cjfa-20691	202	40	.	.	PUNCT
cjfa-20691	203	1	however	however	ADV
cjfa-20691	203	2	,	,	PUNCT
cjfa-20691	203	3	there	there	PRON
cjfa-20691	203	4	were	be	VERB
cjfa-20691	203	5	negative	negative	ADJ
cjfa-20691	203	6	answers	answer	NOUN
cjfa-20691	203	7	as	as	ADV
cjfa-20691	203	8	well	well	ADV
cjfa-20691	203	9	,	,	PUNCT
cjfa-20691	203	10	9	9	NUM
cjfa-20691	203	11	%	%	NOUN
cjfa-20691	203	12	of	of	ADP
cjfa-20691	203	13	respondents	respondent	NOUN
cjfa-20691	203	14	are	be	AUX
cjfa-20691	203	15	dissatisfied	dissatisfied	ADJ
cjfa-20691	203	16	with	with	ADP
cjfa-20691	203	17	the	the	DET
cjfa-20691	203	18	application	application	NOUN
cjfa-20691	203	19	they	they	PRON
cjfa-20691	203	20	own	own	VERB
cjfa-20691	203	21	.	.	PUNCT
cjfa-20691	204	1	*	*	PUNCT
cjfa-20691	204	2	the	the	DET
cjfa-20691	204	3	usage	usage	NOUN
cjfa-20691	204	4	of	of	ADP
cjfa-20691	204	5	mobile	mobile	ADJ
cjfa-20691	204	6	banking	banking	NOUN
cjfa-20691	204	7	applications	application	NOUN
cjfa-20691	204	8	in	in	ADP
cjfa-20691	204	9	poland	poland	PROPN
cjfa-20691	204	10	…	…	SYM
cjfa-20691	204	11	21	21	NUM
cjfa-20691	204	12	 	 	SPACE
cjfa-20691	204	13	conclusions	conclusion	VERB
cjfa-20691	204	14	the	the	DET
cjfa-20691	204	15	popularity	popularity	NOUN
cjfa-20691	204	16	of	of	ADP
cjfa-20691	204	17	mobile	mobile	ADJ
cjfa-20691	204	18	banking	banking	NOUN
cjfa-20691	204	19	in	in	ADP
cjfa-20691	204	20	poland	poland	PROPN
cjfa-20691	204	21	is	be	AUX
cjfa-20691	204	22	constantly	constantly	ADV
cjfa-20691	204	23	growing	grow	VERB
cjfa-20691	204	24	year	year	NOUN
cjfa-20691	204	25	by	by	ADP
cjfa-20691	204	26	year	year	NOUN
cjfa-20691	204	27	.	.	PUNCT
cjfa-20691	205	1	the	the	DET
cjfa-20691	205	2	number	number	NOUN
cjfa-20691	205	3	of	of	ADP
cjfa-20691	205	4	active	active	ADJ
cjfa-20691	205	5	mobile	mobile	ADJ
cjfa-20691	205	6	banking	banking	NOUN
cjfa-20691	205	7	users	user	NOUN
cjfa-20691	205	8	in	in	ADP
cjfa-20691	205	9	the	the	DET
cjfa-20691	205	10	years	year	NOUN
cjfa-20691	205	11	2014–2018	2014–2018	NUM
cjfa-20691	205	12	increased	increase	VERB
cjfa-20691	205	13	by	by	ADP
cjfa-20691	205	14	over	over	ADP
cjfa-20691	205	15	220	220	NUM
cjfa-20691	205	16	%	%	NOUN
cjfa-20691	205	17	,	,	PUNCT
cjfa-20691	205	18	and	and	CCONJ
cjfa-20691	205	19	mobile	mobile	ADJ
cjfa-20691	205	20	banking	banking	NOUN
cjfa-20691	205	21	is	be	AUX
cjfa-20691	205	22	already	already	ADV
cjfa-20691	205	23	a	a	DET
cjfa-20691	205	24	standard	standard	ADJ
cjfa-20691	205	25	channel	channel	NOUN
cjfa-20691	205	26	of	of	ADP
cjfa-20691	205	27	access	access	NOUN
cjfa-20691	205	28	to	to	ADP
cjfa-20691	205	29	banking	banking	NOUN
cjfa-20691	205	30	products	product	NOUN
cjfa-20691	205	31	offered	offer	VERB
cjfa-20691	205	32	by	by	ADP
cjfa-20691	205	33	banks	bank	NOUN
cjfa-20691	205	34	.	.	PUNCT
cjfa-20691	206	1	with	with	ADP
cjfa-20691	206	2	maintaining	maintain	VERB
cjfa-20691	206	3	the	the	DET
cjfa-20691	206	4	current	current	ADJ
cjfa-20691	206	5	upward	upward	ADJ
cjfa-20691	206	6	trend	trend	NOUN
cjfa-20691	206	7	in	in	ADP
cjfa-20691	206	8	the	the	DET
cjfa-20691	206	9	amount	amount	NOUN
cjfa-20691	206	10	of	of	ADP
cjfa-20691	206	11	mobile	mobile	ADJ
cjfa-20691	206	12	banking	banking	NOUN
cjfa-20691	206	13	users	user	NOUN
cjfa-20691	206	14	,	,	PUNCT
cjfa-20691	206	15	the	the	DET
cjfa-20691	206	16	equalization	equalization	NOUN
cjfa-20691	206	17	of	of	ADP
cjfa-20691	206	18	numbers	number	NOUN
cjfa-20691	206	19	of	of	ADP
cjfa-20691	206	20	people	people	NOUN
cjfa-20691	206	21	using	use	VERB
cjfa-20691	206	22	the	the	DET
cjfa-20691	206	23	mobile	mobile	ADJ
cjfa-20691	206	24	and	and	CCONJ
cjfa-20691	206	25	online	online	ADJ
cjfa-20691	206	26	channels	channel	NOUN
cjfa-20691	206	27	can	can	AUX
cjfa-20691	206	28	occur	occur	VERB
cjfa-20691	206	29	even	even	ADV
cjfa-20691	206	30	faster	fast	ADV
cjfa-20691	206	31	than	than	ADP
cjfa-20691	206	32	in	in	ADP
cjfa-20691	206	33	the	the	DET
cjfa-20691	206	34	next	next	ADJ
cjfa-20691	206	35	five	five	NUM
cjfa-20691	206	36	years	year	NOUN
cjfa-20691	206	37	.	.	PUNCT
cjfa-20691	207	1	the	the	DET
cjfa-20691	207	2	current	current	ADJ
cjfa-20691	207	3	share	share	NOUN
cjfa-20691	207	4	of	of	ADP
cjfa-20691	207	5	active	active	ADJ
cjfa-20691	207	6	mobile	mobile	ADJ
cjfa-20691	207	7	banking	banking	NOUN
cjfa-20691	207	8	applications	application	NOUN
cjfa-20691	207	9	users	user	NOUN
cjfa-20691	207	10	among	among	ADP
cjfa-20691	207	11	the	the	DET
cjfa-20691	207	12	mobile	mobile	ADJ
cjfa-20691	207	13	banking	banking	NOUN
cjfa-20691	207	14	users	user	NOUN
cjfa-20691	207	15	in	in	ADP
cjfa-20691	207	16	total	total	ADJ
cjfa-20691	207	17	is	be	AUX
cjfa-20691	207	18	the	the	DET
cjfa-20691	207	19	highest	high	ADJ
cjfa-20691	207	20	since	since	SCONJ
cjfa-20691	207	21	introduction	introduction	NOUN
cjfa-20691	207	22	of	of	ADP
cjfa-20691	207	23	these	these	DET
cjfa-20691	207	24	applications	application	NOUN
cjfa-20691	207	25	in	in	ADP
cjfa-20691	207	26	2009	2009	NUM
cjfa-20691	207	27	to	to	ADP
cjfa-20691	207	28	the	the	DET
cjfa-20691	207	29	polish	polish	ADJ
cjfa-20691	207	30	banking	banking	NOUN
cjfa-20691	207	31	market	market	NOUN
cjfa-20691	207	32	and	and	CCONJ
cjfa-20691	207	33	reaches	reach	VERB
cjfa-20691	207	34	76	76	NUM
cjfa-20691	207	35	%	%	NOUN
cjfa-20691	207	36	.	.	PUNCT
cjfa-20691	208	1	moreover	moreover	ADV
cjfa-20691	208	2	,	,	PUNCT
cjfa-20691	208	3	this	this	DET
cjfa-20691	208	4	share	share	NOUN
cjfa-20691	208	5	attests	attest	VERB
cjfa-20691	208	6	that	that	SCONJ
cjfa-20691	208	7	mobile	mobile	ADJ
cjfa-20691	208	8	applications	application	NOUN
cjfa-20691	208	9	are	be	AUX
cjfa-20691	208	10	the	the	DET
cjfa-20691	208	11	main	main	ADJ
cjfa-20691	208	12	channel	channel	NOUN
cjfa-20691	208	13	of	of	ADP
cjfa-20691	208	14	customer	customer	NOUN
cjfa-20691	208	15	contact	contact	NOUN
cjfa-20691	208	16	with	with	ADP
cjfa-20691	208	17	the	the	DET
cjfa-20691	208	18	bank	bank	NOUN
cjfa-20691	208	19	in	in	ADP
cjfa-20691	208	20	the	the	DET
cjfa-20691	208	21	area	area	NOUN
cjfa-20691	208	22	of	of	ADP
cjfa-20691	208	23	mobile	mobile	ADJ
cjfa-20691	208	24	banking	banking	NOUN
cjfa-20691	208	25	.	.	PUNCT
cjfa-20691	209	1	during	during	ADP
cjfa-20691	209	2	survey	survey	NOUN
cjfa-20691	209	3	conducted	conduct	VERB
cjfa-20691	209	4	for	for	ADP
cjfa-20691	209	5	this	this	DET
cjfa-20691	209	6	study	study	NOUN
cjfa-20691	209	7	,	,	PUNCT
cjfa-20691	209	8	it	it	PRON
cjfa-20691	209	9	was	be	AUX
cjfa-20691	209	10	established	establish	VERB
cjfa-20691	209	11	that	that	SCONJ
cjfa-20691	209	12	mobile	mobile	ADJ
cjfa-20691	209	13	banking	banking	NOUN
cjfa-20691	209	14	application	application	NOUN
cjfa-20691	209	15	is	be	AUX
cjfa-20691	209	16	already	already	ADV
cjfa-20691	209	17	a	a	DET
cjfa-20691	209	18	popular	popular	ADJ
cjfa-20691	209	19	instrument	instrument	NOUN
cjfa-20691	209	20	among	among	ADP
cjfa-20691	209	21	polish	polish	ADJ
cjfa-20691	209	22	internet	internet	NOUN
cjfa-20691	209	23	users	user	NOUN
cjfa-20691	209	24	,	,	PUNCT
cjfa-20691	209	25	which	which	PRON
cjfa-20691	209	26	is	be	AUX
cjfa-20691	209	27	indicated	indicate	VERB
cjfa-20691	209	28	by	by	ADP
cjfa-20691	209	29	the	the	DET
cjfa-20691	209	30	fact	fact	NOUN
cjfa-20691	209	31	that	that	SCONJ
cjfa-20691	209	32	over	over	ADP
cjfa-20691	209	33	half	half	NOUN
cjfa-20691	209	34	of	of	ADP
cjfa-20691	209	35	respondents	respondent	NOUN
cjfa-20691	209	36	(	(	PUNCT
cjfa-20691	209	37	50.4	50.4	NUM
cjfa-20691	209	38	%	%	NOUN
cjfa-20691	209	39	)	)	PUNCT
cjfa-20691	209	40	have	have	AUX
cjfa-20691	209	41	a	a	DET
cjfa-20691	209	42	mobile	mobile	ADJ
cjfa-20691	209	43	application	application	NOUN
cjfa-20691	209	44	installed	instal	VERB
cjfa-20691	209	45	on	on	ADP
cjfa-20691	209	46	their	their	PRON
cjfa-20691	209	47	device	device	NOUN
cjfa-20691	209	48	.	.	PUNCT
cjfa-20691	210	1	additionally	additionally	ADV
cjfa-20691	210	2	,	,	PUNCT
cjfa-20691	210	3	more	more	ADJ
cjfa-20691	210	4	than	than	ADP
cjfa-20691	210	5	76	76	NUM
cjfa-20691	210	6	%	%	NOUN
cjfa-20691	210	7	of	of	ADP
cjfa-20691	210	8	them	they	PRON
cjfa-20691	210	9	make	make	VERB
cjfa-20691	210	10	a	a	DET
cjfa-20691	210	11	use	use	NOUN
cjfa-20691	210	12	of	of	ADP
cjfa-20691	210	13	this	this	DET
cjfa-20691	210	14	application	application	NOUN
cjfa-20691	210	15	at	at	ADP
cjfa-20691	210	16	least	least	ADJ
cjfa-20691	210	17	several	several	ADJ
cjfa-20691	210	18	times	time	NOUN
cjfa-20691	210	19	a	a	DET
cjfa-20691	210	20	week	week	NOUN
cjfa-20691	210	21	,	,	PUNCT
cjfa-20691	210	22	which	which	PRON
cjfa-20691	210	23	indicates	indicate	VERB
cjfa-20691	210	24	a	a	DET
cjfa-20691	210	25	high	high	ADJ
cjfa-20691	210	26	frequency	frequency	NOUN
cjfa-20691	210	27	of	of	ADP
cjfa-20691	210	28	using	use	VERB
cjfa-20691	210	29	it	it	PRON
cjfa-20691	210	30	.	.	PUNCT
cjfa-20691	211	1	the	the	DET
cjfa-20691	211	2	results	result	NOUN
cjfa-20691	211	3	indicate	indicate	VERB
cjfa-20691	211	4	that	that	SCONJ
cjfa-20691	211	5	bank	bank	NOUN
cjfa-20691	211	6	customers	customer	NOUN
cjfa-20691	211	7	which	which	PRON
cjfa-20691	211	8	are	be	AUX
cjfa-20691	211	9	using	use	VERB
cjfa-20691	211	10	mobile	mobile	ADJ
cjfa-20691	211	11	banking	banking	NOUN
cjfa-20691	211	12	applications	application	NOUN
cjfa-20691	211	13	apply	apply	VERB
cjfa-20691	211	14	it	it	PRON
cjfa-20691	211	15	very	very	ADV
cjfa-20691	211	16	often	often	ADV
cjfa-20691	211	17	to	to	PART
cjfa-20691	211	18	control	control	VERB
cjfa-20691	211	19	their	their	PRON
cjfa-20691	211	20	personal	personal	ADJ
cjfa-20691	211	21	finances	finance	NOUN
cjfa-20691	211	22	(	(	PUNCT
cjfa-20691	211	23	91	91	NUM
cjfa-20691	211	24	%	%	NOUN
cjfa-20691	211	25	uses	use	VERB
cjfa-20691	211	26	it	it	PRON
cjfa-20691	211	27	to	to	PART
cjfa-20691	211	28	check	check	VERB
cjfa-20691	211	29	the	the	DET
cjfa-20691	211	30	account	account	NOUN
cjfa-20691	211	31	balance	balance	NOUN
cjfa-20691	211	32	)	)	PUNCT
cjfa-20691	211	33	and	and	CCONJ
cjfa-20691	211	34	to	to	PART
cjfa-20691	211	35	make	make	VERB
cjfa-20691	211	36	bank	bank	NOUN
cjfa-20691	211	37	transfers	transfer	NOUN
cjfa-20691	211	38	(	(	PUNCT
cjfa-20691	211	39	86	86	NUM
cjfa-20691	211	40	%	%	NOUN
cjfa-20691	211	41	)	)	PUNCT
cjfa-20691	211	42	.	.	PUNCT
cjfa-20691	212	1	an	an	DET
cjfa-20691	212	2	important	important	ADJ
cjfa-20691	212	3	functionality	functionality	NOUN
cjfa-20691	212	4	for	for	ADP
cjfa-20691	212	5	the	the	DET
cjfa-20691	212	6	respondents	respondent	NOUN
cjfa-20691	212	7	was	be	AUX
cjfa-20691	212	8	also	also	ADV
cjfa-20691	212	9	access	access	NOUN
cjfa-20691	212	10	to	to	ADP
cjfa-20691	212	11	transaction	transaction	NOUN
cjfa-20691	212	12	history	history	NOUN
cjfa-20691	212	13	(	(	PUNCT
cjfa-20691	212	14	77	77	NUM
cjfa-20691	212	15	%	%	NOUN
cjfa-20691	212	16	)	)	PUNCT
cjfa-20691	212	17	.	.	PUNCT
cjfa-20691	213	1	moreover	moreover	ADV
cjfa-20691	213	2	,	,	PUNCT
cjfa-20691	213	3	through	through	ADP
cjfa-20691	213	4	this	this	DET
cjfa-20691	213	5	application	application	NOUN
cjfa-20691	213	6	,	,	PUNCT
cjfa-20691	213	7	individual	individual	ADJ
cjfa-20691	213	8	customers	customer	NOUN
cjfa-20691	213	9	are	be	AUX
cjfa-20691	213	10	willingly	willingly	ADV
cjfa-20691	213	11	reaching	reach	VERB
cjfa-20691	213	12	for	for	ADP
cjfa-20691	213	13	modern	modern	ADJ
cjfa-20691	213	14	payment	payment	NOUN
cjfa-20691	213	15	methods	method	NOUN
cjfa-20691	213	16	,	,	PUNCT
cjfa-20691	213	17	i.e.	i.e.	X
cjfa-20691	213	18	hce	hce	PROPN
cjfa-20691	213	19	contactless	contactless	PROPN
cjfa-20691	213	20	payments	payment	NOUN
cjfa-20691	213	21	(	(	PUNCT
cjfa-20691	213	22	57	57	NUM
cjfa-20691	213	23	%	%	NOUN
cjfa-20691	213	24	)	)	PUNCT
cjfa-20691	213	25	and	and	CCONJ
cjfa-20691	213	26	payments	payment	NOUN
cjfa-20691	213	27	using	use	VERB
cjfa-20691	213	28	the	the	DET
cjfa-20691	213	29	blik	blik	PROPN
cjfa-20691	213	30	code	code	PROPN
cjfa-20691	213	31	(	(	PUNCT
cjfa-20691	213	32	48	48	NUM
cjfa-20691	213	33	%	%	NOUN
cjfa-20691	213	34	)	)	PUNCT
cjfa-20691	213	35	.	.	PUNCT
cjfa-20691	214	1	polish	polish	ADJ
cjfa-20691	214	2	internet	internet	NOUN
cjfa-20691	214	3	users	user	NOUN
cjfa-20691	214	4	perceive	perceive	VERB
cjfa-20691	214	5	mobile	mobile	ADJ
cjfa-20691	214	6	banking	banking	NOUN
cjfa-20691	214	7	applications	application	NOUN
cjfa-20691	214	8	as	as	ADP
cjfa-20691	214	9	a	a	DET
cjfa-20691	214	10	comprehensive	comprehensive	ADJ
cjfa-20691	214	11	instrument	instrument	NOUN
cjfa-20691	214	12	,	,	PUNCT
cjfa-20691	214	13	characterized	characterize	VERB
cjfa-20691	214	14	by	by	ADP
cjfa-20691	214	15	high	high	ADJ
cjfa-20691	214	16	convenience	convenience	NOUN
cjfa-20691	214	17	and	and	CCONJ
cjfa-20691	214	18	quickness	quickness	NOUN
cjfa-20691	214	19	in	in	ADP
cjfa-20691	214	20	action	action	NOUN
cjfa-20691	214	21	.	.	PUNCT
cjfa-20691	215	1	the	the	DET
cjfa-20691	215	2	users	user	NOUN
cjfa-20691	215	3	of	of	ADP
cjfa-20691	215	4	banking	banking	NOUN
cjfa-20691	215	5	applications	application	NOUN
cjfa-20691	215	6	also	also	ADV
cjfa-20691	215	7	consider	consider	VERB
cjfa-20691	215	8	them	they	PRON
cjfa-20691	215	9	to	to	PART
cjfa-20691	215	10	be	be	AUX
cjfa-20691	215	11	secure	secure	ADJ
cjfa-20691	215	12	.	.	PUNCT
cjfa-20691	216	1	this	this	DET
cjfa-20691	216	2	high	high	ADJ
cjfa-20691	216	3	level	level	NOUN
cjfa-20691	216	4	of	of	ADP
cjfa-20691	216	5	perceived	perceive	VERB
cjfa-20691	216	6	safeness	safeness	NOUN
cjfa-20691	216	7	(	(	PUNCT
cjfa-20691	216	8	84	84	NUM
cjfa-20691	216	9	%	%	NOUN
cjfa-20691	216	10	)	)	PUNCT
cjfa-20691	216	11	can	can	AUX
cjfa-20691	216	12	be	be	AUX
cjfa-20691	216	13	influenced	influence	VERB
cjfa-20691	216	14	by	by	ADP
cjfa-20691	216	15	the	the	DET
cjfa-20691	216	16	continuous	continuous	ADJ
cjfa-20691	216	17	development	development	NOUN
cjfa-20691	216	18	of	of	ADP
cjfa-20691	216	19	applications	application	NOUN
cjfa-20691	216	20	,	,	PUNCT
cjfa-20691	216	21	providing	provide	VERB
cjfa-20691	216	22	updates	update	NOUN
cjfa-20691	216	23	of	of	ADP
cjfa-20691	216	24	system	system	NOUN
cjfa-20691	216	25	and	and	CCONJ
cjfa-20691	216	26	security	security	NOUN
cjfa-20691	216	27	,	,	PUNCT
cjfa-20691	216	28	as	as	ADV
cjfa-20691	216	29	well	well	ADV
cjfa-20691	216	30	as	as	ADP
cjfa-20691	216	31	the	the	DET
cjfa-20691	216	32	possibility	possibility	NOUN
cjfa-20691	216	33	of	of	ADP
cjfa-20691	216	34	using	use	VERB
cjfa-20691	216	35	biometric	biometric	ADJ
cjfa-20691	216	36	methods	method	NOUN
cjfa-20691	216	37	of	of	ADP
cjfa-20691	216	38	transaction	transaction	NOUN
cjfa-20691	216	39	authorization	authorization	NOUN
cjfa-20691	216	40	and	and	CCONJ
cjfa-20691	216	41	logging	log	VERB
cjfa-20691	216	42	in	in	ADP
cjfa-20691	216	43	selected	select	VERB
cjfa-20691	216	44	applications	application	NOUN
cjfa-20691	216	45	.	.	PUNCT
cjfa-20691	217	1	furthermore	furthermore	ADV
cjfa-20691	217	2	,	,	PUNCT
cjfa-20691	217	3	one	one	PRON
cjfa-20691	217	4	can	can	AUX
cjfa-20691	217	5	expect	expect	VERB
cjfa-20691	217	6	that	that	SCONJ
cjfa-20691	217	7	the	the	DET
cjfa-20691	217	8	dynamic	dynamic	ADJ
cjfa-20691	217	9	acceleration	acceleration	NOUN
cjfa-20691	217	10	in	in	ADP
cjfa-20691	217	11	development	development	NOUN
cjfa-20691	217	12	of	of	ADP
cjfa-20691	217	13	biometrics	biometric	NOUN
cjfa-20691	217	14	in	in	ADP
cjfa-20691	217	15	banking	banking	NOUN
cjfa-20691	217	16	is	be	AUX
cjfa-20691	217	17	approaching	approach	VERB
cjfa-20691	217	18	,	,	PUNCT
cjfa-20691	217	19	due	due	ADP
cjfa-20691	217	20	to	to	ADP
cjfa-20691	217	21	legal	legal	ADJ
cjfa-20691	217	22	and	and	CCONJ
cjfa-20691	217	23	technical	technical	ADJ
cjfa-20691	217	24	requirements	requirement	NOUN
cjfa-20691	217	25	included	include	VERB
cjfa-20691	217	26	in	in	ADP
cjfa-20691	217	27	the	the	DET
cjfa-20691	217	28	european	european	ADJ
cjfa-20691	217	29	payment	payment	NOUN
cjfa-20691	217	30	services	service	NOUN
cjfa-20691	217	31	directive	directive	NOUN
cjfa-20691	217	32	2	2	NUM
cjfa-20691	217	33	(	(	PUNCT
cjfa-20691	217	34	steennot	steennot	ADJ
cjfa-20691	217	35	,	,	PUNCT
cjfa-20691	217	36	2018	2018	NUM
cjfa-20691	217	37	)	)	PUNCT
cjfa-20691	217	38	,	,	PUNCT
cjfa-20691	217	39	which	which	PRON
cjfa-20691	217	40	is	be	AUX
cjfa-20691	217	41	going	go	VERB
cjfa-20691	217	42	to	to	PART
cjfa-20691	217	43	have	have	VERB
cjfa-20691	217	44	a	a	DET
cjfa-20691	217	45	positive	positive	ADJ
cjfa-20691	217	46	impact	impact	NOUN
cjfa-20691	217	47	on	on	ADP
cjfa-20691	217	48	security	security	NOUN
cjfa-20691	217	49	level	level	NOUN
cjfa-20691	217	50	in	in	ADP
cjfa-20691	217	51	mikołaj	mikołaj	NOUN
cjfa-20691	217	52	borowski	borowski	NOUN
cjfa-20691	217	53	-	-	PUNCT
cjfa-20691	217	54	beszta	beszta	ADJ
cjfa-20691	217	55	,	,	PUNCT
cjfa-20691	217	56	anna	anna	PROPN
cjfa-20691	217	57	kiermas22	kiermas22	PROPN
cjfa-20691	217	58	the	the	DET
cjfa-20691	217	59	future	future	NOUN
cjfa-20691	217	60	,	,	PUNCT
cjfa-20691	217	61	and	and	CCONJ
cjfa-20691	217	62	that	that	PRON
cjfa-20691	217	63	will	will	AUX
cjfa-20691	217	64	contribute	contribute	VERB
cjfa-20691	217	65	to	to	ADP
cjfa-20691	217	66	the	the	DET
cjfa-20691	217	67	perception	perception	NOUN
cjfa-20691	217	68	of	of	ADP
cjfa-20691	217	69	the	the	DET
cjfa-20691	217	70	mobile	mobile	ADJ
cjfa-20691	217	71	banking	banking	NOUN
cjfa-20691	217	72	applications	application	NOUN
cjfa-20691	217	73	security	security	NOUN
cjfa-20691	217	74	.	.	PUNCT
cjfa-20691	218	1	the	the	DET
cjfa-20691	218	2	level	level	NOUN
cjfa-20691	218	3	of	of	ADP
cjfa-20691	218	4	satisfaction	satisfaction	NOUN
cjfa-20691	218	5	among	among	ADP
cjfa-20691	218	6	mobile	mobile	ADJ
cjfa-20691	218	7	banking	banking	NOUN
cjfa-20691	218	8	applications	application	NOUN
cjfa-20691	218	9	users	user	NOUN
cjfa-20691	218	10	is	be	AUX
cjfa-20691	218	11	high	high	ADJ
cjfa-20691	218	12	–	–	PUNCT
cjfa-20691	218	13	around	around	ADV
cjfa-20691	218	14	87	87	NUM
cjfa-20691	218	15	%	%	NOUN
cjfa-20691	218	16	of	of	ADP
cjfa-20691	218	17	respondents	respondent	NOUN
cjfa-20691	218	18	is	be	AUX
cjfa-20691	218	19	content	content	ADJ
cjfa-20691	218	20	with	with	ADP
cjfa-20691	218	21	his	his	PRON
cjfa-20691	218	22	or	or	CCONJ
cjfa-20691	218	23	her	her	PRON
cjfa-20691	218	24	mobile	mobile	ADJ
cjfa-20691	218	25	application	application	NOUN
cjfa-20691	218	26	.	.	PUNCT
cjfa-20691	219	1	however	however	ADV
cjfa-20691	219	2	,	,	PUNCT
cjfa-20691	219	3	there	there	PRON
cjfa-20691	219	4	were	be	VERB
cjfa-20691	219	5	negative	negative	ADJ
cjfa-20691	219	6	opinions	opinion	NOUN
cjfa-20691	219	7	–	–	PUNCT
cjfa-20691	219	8	banking	banking	NOUN
cjfa-20691	219	9	applications	application	NOUN
cjfa-20691	219	10	differ	differ	VERB
cjfa-20691	219	11	in	in	ADP
cjfa-20691	219	12	terms	term	NOUN
cjfa-20691	219	13	of	of	ADP
cjfa-20691	219	14	their	their	PRON
cjfa-20691	219	15	functionalities	functionality	NOUN
cjfa-20691	219	16	,	,	PUNCT
cjfa-20691	219	17	interface	interface	NOUN
cjfa-20691	219	18	transparency	transparency	NOUN
cjfa-20691	219	19	and	and	CCONJ
cjfa-20691	219	20	other	other	ADJ
cjfa-20691	219	21	features	feature	NOUN
cjfa-20691	219	22	,	,	PUNCT
cjfa-20691	219	23	so	so	SCONJ
cjfa-20691	219	24	according	accord	VERB
cjfa-20691	219	25	to	to	ADP
cjfa-20691	219	26	respondents	respondent	NOUN
cjfa-20691	219	27	,	,	PUNCT
cjfa-20691	219	28	one	one	NUM
cjfa-20691	219	29	of	of	ADP
cjfa-20691	219	30	them	they	PRON
cjfa-20691	219	31	may	may	AUX
cjfa-20691	219	32	be	be	AUX
cjfa-20691	219	33	better	well	ADJ
cjfa-20691	219	34	,	,	PUNCT
cjfa-20691	219	35	while	while	SCONJ
cjfa-20691	219	36	the	the	DET
cjfa-20691	219	37	other	other	ADJ
cjfa-20691	219	38	one	one	NUM
cjfa-20691	219	39	–	–	PUNCT
cjfa-20691	219	40	worse	bad	ADJ
cjfa-20691	219	41	.	.	PUNCT
cjfa-20691	220	1	in	in	ADP
cjfa-20691	220	2	this	this	DET
cjfa-20691	220	3	case	case	NOUN
cjfa-20691	220	4	,	,	PUNCT
cjfa-20691	220	5	it	it	PRON
cjfa-20691	220	6	can	can	AUX
cjfa-20691	220	7	be	be	AUX
cjfa-20691	220	8	concluded	conclude	VERB
cjfa-20691	220	9	that	that	SCONJ
cjfa-20691	220	10	relatively	relatively	ADV
cjfa-20691	220	11	small	small	ADJ
cjfa-20691	220	12	amount	amount	NOUN
cjfa-20691	220	13	of	of	ADP
cjfa-20691	220	14	negative	negative	ADJ
cjfa-20691	220	15	responses	response	NOUN
cjfa-20691	220	16	regarding	regard	VERB
cjfa-20691	220	17	satisfaction	satisfaction	NOUN
cjfa-20691	220	18	in	in	ADP
cjfa-20691	220	19	reference	reference	NOUN
cjfa-20691	220	20	to	to	ADP
cjfa-20691	220	21	mobile	mobile	ADJ
cjfa-20691	220	22	banking	banking	NOUN
cjfa-20691	220	23	applications	application	NOUN
cjfa-20691	220	24	is	be	AUX
cjfa-20691	220	25	not	not	PART
cjfa-20691	220	26	an	an	DET
cjfa-20691	220	27	undesirable	undesirable	ADJ
cjfa-20691	220	28	phenomenon	phenomenon	NOUN
cjfa-20691	220	29	–	–	PUNCT
cjfa-20691	220	30	respondents	respondent	NOUN
cjfa-20691	220	31	who	who	PRON
cjfa-20691	220	32	are	be	AUX
cjfa-20691	220	33	not	not	PART
cjfa-20691	220	34	satisfied	satisfied	ADJ
cjfa-20691	220	35	,	,	PUNCT
cjfa-20691	220	36	through	through	ADP
cjfa-20691	220	37	in	in	ADP
cjfa-20691	220	38	-	-	PUNCT
cjfa-20691	220	39	depth	depth	NOUN
cjfa-20691	220	40	research	research	NOUN
cjfa-20691	220	41	can	can	AUX
cjfa-20691	220	42	provide	provide	VERB
cjfa-20691	220	43	valuable	valuable	ADJ
cjfa-20691	220	44	guidance	guidance	NOUN
cjfa-20691	220	45	that	that	PRON
cjfa-20691	220	46	will	will	AUX
cjfa-20691	220	47	enable	enable	VERB
cjfa-20691	220	48	further	further	ADJ
cjfa-20691	220	49	development	development	NOUN
cjfa-20691	220	50	of	of	ADP
cjfa-20691	220	51	mobile	mobile	ADJ
cjfa-20691	220	52	banking	banking	NOUN
cjfa-20691	220	53	applications	application	NOUN
cjfa-20691	220	54	in	in	ADP
cjfa-20691	220	55	poland	poland	PROPN
cjfa-20691	220	56	.	.	PUNCT
cjfa-20691	221	1	to	to	PART
cjfa-20691	221	2	sum	sum	VERB
cjfa-20691	221	3	up	up	ADP
cjfa-20691	221	4	,	,	PUNCT
cjfa-20691	221	5	nowadays	nowadays	ADV
cjfa-20691	221	6	the	the	DET
cjfa-20691	221	7	mobile	mobile	ADJ
cjfa-20691	221	8	banking	banking	NOUN
cjfa-20691	221	9	applications	application	NOUN
cjfa-20691	221	10	are	be	AUX
cjfa-20691	221	11	comprehensive	comprehensive	ADJ
cjfa-20691	221	12	,	,	PUNCT
cjfa-20691	221	13	more	more	ADJ
cjfa-20691	221	14	and	and	CCONJ
cjfa-20691	221	15	more	more	ADV
cjfa-20691	221	16	popular	popular	ADJ
cjfa-20691	221	17	instrument	instrument	NOUN
cjfa-20691	221	18	used	use	VERB
cjfa-20691	221	19	for	for	ADP
cjfa-20691	221	20	virtual	virtual	ADJ
cjfa-20691	221	21	contact	contact	NOUN
cjfa-20691	221	22	with	with	ADP
cjfa-20691	221	23	the	the	DET
cjfa-20691	221	24	bank	bank	NOUN
cjfa-20691	221	25	.	.	PUNCT
cjfa-20691	222	1	they	they	PRON
cjfa-20691	222	2	are	be	AUX
cjfa-20691	222	3	a	a	DET
cjfa-20691	222	4	key	key	ADJ
cjfa-20691	222	5	element	element	NOUN
cjfa-20691	222	6	in	in	ADP
cjfa-20691	222	7	the	the	DET
cjfa-20691	222	8	development	development	NOUN
cjfa-20691	222	9	of	of	ADP
cjfa-20691	222	10	mobile	mobile	ADJ
cjfa-20691	222	11	banking	banking	NOUN
cjfa-20691	222	12	,	,	PUNCT
cjfa-20691	222	13	because	because	SCONJ
cjfa-20691	222	14	handling	handle	VERB
cjfa-20691	222	15	the	the	DET
cjfa-20691	222	16	banking	banking	NOUN
cjfa-20691	222	17	interface	interface	NOUN
cjfa-20691	222	18	in	in	ADP
cjfa-20691	222	19	application	application	NOUN
cjfa-20691	222	20	on	on	ADP
cjfa-20691	222	21	a	a	DET
cjfa-20691	222	22	small	small	ADJ
cjfa-20691	222	23	device	device	NOUN
cjfa-20691	222	24	is	be	AUX
cjfa-20691	222	25	here	here	ADV
cjfa-20691	222	26	much	much	ADV
cjfa-20691	222	27	simpler	simple	ADJ
cjfa-20691	222	28	and	and	CCONJ
cjfa-20691	222	29	more	more	ADV
cjfa-20691	222	30	convenient	convenient	ADJ
cjfa-20691	222	31	in	in	ADP
cjfa-20691	222	32	comparison	comparison	NOUN
cjfa-20691	222	33	to	to	ADP
cjfa-20691	222	34	so	so	ADV
cjfa-20691	222	35	called	call	VERB
cjfa-20691	222	36	light	light	ADJ
cjfa-20691	222	37	version	version	NOUN
cjfa-20691	222	38	of	of	ADP
cjfa-20691	222	39	bank	bank	NOUN
cjfa-20691	222	40	websites	website	NOUN
cjfa-20691	222	41	.	.	PUNCT
cjfa-20691	223	1	moreover	moreover	ADV
cjfa-20691	223	2	,	,	PUNCT
cjfa-20691	223	3	these	these	DET
cjfa-20691	223	4	applications	application	NOUN
cjfa-20691	223	5	are	be	AUX
cjfa-20691	223	6	also	also	ADV
cjfa-20691	223	7	characterized	characterize	VERB
cjfa-20691	223	8	by	by	ADP
cjfa-20691	223	9	a	a	DET
cjfa-20691	223	10	high	high	ADJ
cjfa-20691	223	11	level	level	NOUN
cjfa-20691	223	12	of	of	ADP
cjfa-20691	223	13	ergonomics	ergonomic	NOUN
cjfa-20691	223	14	,	,	PUNCT
cjfa-20691	223	15	as	as	SCONJ
cjfa-20691	223	16	they	they	PRON
cjfa-20691	223	17	offer	offer	VERB
cjfa-20691	223	18	many	many	ADJ
cjfa-20691	223	19	functionalities	functionality	NOUN
cjfa-20691	223	20	in	in	ADP
cjfa-20691	223	21	one	one	NUM
cjfa-20691	223	22	place	place	NOUN
cjfa-20691	223	23	.	.	PUNCT
cjfa-20691	224	1	another	another	DET
cjfa-20691	224	2	thing	thing	NOUN
cjfa-20691	224	3	in	in	ADP
cjfa-20691	224	4	favor	favor	NOUN
cjfa-20691	224	5	of	of	ADP
cjfa-20691	224	6	mobile	mobile	ADJ
cjfa-20691	224	7	banking	banking	NOUN
cjfa-20691	224	8	applications	application	NOUN
cjfa-20691	224	9	is	be	AUX
cjfa-20691	224	10	the	the	DET
cjfa-20691	224	11	ability	ability	NOUN
cjfa-20691	224	12	to	to	PART
cjfa-20691	224	13	download	download	VERB
cjfa-20691	224	14	them	they	PRON
cjfa-20691	224	15	from	from	ADP
cjfa-20691	224	16	mobile	mobile	ADJ
cjfa-20691	224	17	stores	store	NOUN
cjfa-20691	224	18	,	,	PUNCT
cjfa-20691	224	19	i.e.	i.e.	X
cjfa-20691	224	20	google	google	NOUN
cjfa-20691	224	21	play	play	NOUN
cjfa-20691	224	22	or	or	CCONJ
cjfa-20691	224	23	appstore	appstore	NOUN
cjfa-20691	224	24	,	,	PUNCT
cjfa-20691	224	25	which	which	PRON
cjfa-20691	224	26	provide	provide	VERB
cjfa-20691	224	27	free	free	ADJ
cjfa-20691	224	28	access	access	NOUN
cjfa-20691	224	29	to	to	ADP
cjfa-20691	224	30	a	a	DET
cjfa-20691	224	31	given	give	VERB
cjfa-20691	224	32	application	application	NOUN
cjfa-20691	224	33	for	for	ADP
cjfa-20691	224	34	all	all	DET
cjfa-20691	224	35	owners	owner	NOUN
cjfa-20691	224	36	of	of	ADP
cjfa-20691	224	37	mobile	mobile	ADJ
cjfa-20691	224	38	devices	device	NOUN
cjfa-20691	224	39	(	(	PUNCT
cjfa-20691	224	40	kaczmarek	kaczmarek	PROPN
cjfa-20691	224	41	,	,	PUNCT
cjfa-20691	224	42	2018	2018	NUM
cjfa-20691	224	43	,	,	PUNCT
cjfa-20691	224	44	p.	p.	NOUN
cjfa-20691	224	45	147	147	NUM
cjfa-20691	224	46	)	)	PUNCT
cjfa-20691	224	47	.	.	PUNCT
cjfa-20691	225	1	in	in	ADP
cjfa-20691	225	2	connection	connection	NOUN
cjfa-20691	225	3	with	with	ADP
cjfa-20691	225	4	the	the	DET
cjfa-20691	225	5	results	result	NOUN
cjfa-20691	225	6	of	of	ADP
cjfa-20691	225	7	the	the	DET
cjfa-20691	225	8	conducted	conduct	VERB
cjfa-20691	225	9	survey	survey	NOUN
cjfa-20691	225	10	,	,	PUNCT
cjfa-20691	225	11	it	it	PRON
cjfa-20691	225	12	can	can	AUX
cjfa-20691	225	13	be	be	AUX
cjfa-20691	225	14	considered	consider	VERB
cjfa-20691	225	15	that	that	SCONJ
cjfa-20691	225	16	after	after	ADP
cjfa-20691	225	17	several	several	ADJ
cjfa-20691	225	18	years	year	NOUN
cjfa-20691	225	19	of	of	ADP
cjfa-20691	225	20	presence	presence	NOUN
cjfa-20691	225	21	of	of	ADP
cjfa-20691	225	22	banking	banking	NOUN
cjfa-20691	225	23	applications	application	NOUN
cjfa-20691	225	24	on	on	ADP
cjfa-20691	225	25	the	the	DET
cjfa-20691	225	26	polish	polish	ADJ
cjfa-20691	225	27	payment	payment	NOUN
cjfa-20691	225	28	services	service	NOUN
cjfa-20691	225	29	market	market	NOUN
cjfa-20691	225	30	,	,	PUNCT
cjfa-20691	225	31	they	they	PRON
cjfa-20691	225	32	have	have	AUX
cjfa-20691	225	33	been	be	AUX
cjfa-20691	225	34	refined	refine	VERB
cjfa-20691	225	35	both	both	CCONJ
cjfa-20691	225	36	technically	technically	ADV
cjfa-20691	225	37	and	and	CCONJ
cjfa-20691	225	38	visually	visually	ADV
cjfa-20691	225	39	,	,	PUNCT
cjfa-20691	225	40	and	and	CCONJ
cjfa-20691	225	41	customers	customer	NOUN
cjfa-20691	225	42	are	be	AUX
cjfa-20691	225	43	satisfied	satisfied	ADJ
cjfa-20691	225	44	with	with	ADP
cjfa-20691	225	45	them	they	PRON
cjfa-20691	225	46	,	,	PUNCT
cjfa-20691	225	47	which	which	PRON
cjfa-20691	225	48	contributes	contribute	VERB
cjfa-20691	225	49	to	to	ADP
cjfa-20691	225	50	high	high	ADJ
cjfa-20691	225	51	frequency	frequency	NOUN
cjfa-20691	225	52	of	of	ADP
cjfa-20691	225	53	using	use	VERB
cjfa-20691	225	54	them	they	PRON
cjfa-20691	225	55	.	.	PUNCT
cjfa-20691	226	1	an	an	DET
cjfa-20691	226	2	example	example	NOUN
cjfa-20691	226	3	of	of	ADP
cjfa-20691	226	4	its	its	PRON
cjfa-20691	226	5	success	success	NOUN
cjfa-20691	226	6	is	be	AUX
cjfa-20691	226	7	the	the	DET
cjfa-20691	226	8	iko	iko	PROPN
cjfa-20691	226	9	mobile	mobile	ADJ
cjfa-20691	226	10	banking	banking	NOUN
cjfa-20691	226	11	application	application	NOUN
cjfa-20691	226	12	,	,	PUNCT
cjfa-20691	226	13	which	which	PRON
cjfa-20691	226	14	in	in	ADP
cjfa-20691	226	15	february	february	PROPN
cjfa-20691	226	16	2019	2019	NUM
cjfa-20691	226	17	won	win	VERB
cjfa-20691	226	18	the	the	DET
cjfa-20691	226	19	ranking	ranking	NOUN
cjfa-20691	226	20	of	of	ADP
cjfa-20691	226	21	one	one	NUM
cjfa-20691	226	22	hundred	hundred	NUM
cjfa-20691	226	23	best	good	ADJ
cjfa-20691	226	24	banking	banking	NOUN
cjfa-20691	226	25	mobile	mobile	ADJ
cjfa-20691	226	26	applications	application	NOUN
cjfa-20691	226	27	,	,	PUNCT
cjfa-20691	226	28	beating	beat	VERB
cjfa-20691	226	29	the	the	DET
cjfa-20691	226	30	solutions	solution	NOUN
cjfa-20691	226	31	of	of	ADP
cjfa-20691	226	32	bank	bank	NOUN
cjfa-20691	226	33	giants	giant	NOUN
cjfa-20691	226	34	such	such	ADJ
cjfa-20691	226	35	as	as	ADP
cjfa-20691	226	36	the	the	DET
cjfa-20691	226	37	jp	jp	PROPN
cjfa-20691	226	38	morgan	morgan	PROPN
cjfa-20691	226	39	chase	chase	PROPN
cjfa-20691	226	40	,	,	PUNCT
cjfa-20691	226	41	the	the	DET
cjfa-20691	226	42	bank	bank	NOUN
cjfa-20691	226	43	of	of	ADP
cjfa-20691	226	44	america	america	PROPN
cjfa-20691	226	45	or	or	CCONJ
cjfa-20691	226	46	the	the	DET
cjfa-20691	226	47	barclays	barclay	NOUN
cjfa-20691	226	48	(	(	PUNCT
cjfa-20691	226	49	www3	www3	PROPN
cjfa-20691	226	50	)	)	PUNCT
cjfa-20691	226	51	.	.	PUNCT
cjfa-20691	227	1	therefore	therefore	ADV
cjfa-20691	227	2	,	,	PUNCT
cjfa-20691	227	3	it	it	PRON
cjfa-20691	227	4	can	can	AUX
cjfa-20691	227	5	be	be	AUX
cjfa-20691	227	6	predicted	predict	VERB
cjfa-20691	227	7	that	that	SCONJ
cjfa-20691	227	8	due	due	ADP
cjfa-20691	227	9	to	to	ADP
cjfa-20691	227	10	the	the	DET
cjfa-20691	227	11	growing	grow	VERB
cjfa-20691	227	12	needs	need	NOUN
cjfa-20691	227	13	of	of	ADP
cjfa-20691	227	14	customers	customer	NOUN
cjfa-20691	227	15	and	and	CCONJ
cjfa-20691	227	16	the	the	DET
cjfa-20691	227	17	fact	fact	NOUN
cjfa-20691	227	18	that	that	SCONJ
cjfa-20691	227	19	the	the	DET
cjfa-20691	227	20	mobile	mobile	ADJ
cjfa-20691	227	21	banking	banking	NOUN
cjfa-20691	227	22	application	application	NOUN
cjfa-20691	227	23	is	be	AUX
cjfa-20691	227	24	now	now	ADV
cjfa-20691	227	25	becoming	become	VERB
cjfa-20691	227	26	a	a	DET
cjfa-20691	227	27	kind	kind	NOUN
cjfa-20691	227	28	of	of	ADP
cjfa-20691	227	29	showcase	showcase	NOUN
cjfa-20691	227	30	for	for	ADP
cjfa-20691	227	31	the	the	DET
cjfa-20691	227	32	bank	bank	NOUN
cjfa-20691	227	33	,	,	PUNCT
cjfa-20691	227	34	the	the	DET
cjfa-20691	227	35	upward	upward	ADJ
cjfa-20691	227	36	trend	trend	NOUN
cjfa-20691	227	37	in	in	ADP
cjfa-20691	227	38	the	the	DET
cjfa-20691	227	39	mobile	mobile	ADJ
cjfa-20691	227	40	banking	banking	NOUN
cjfa-20691	227	41	area	area	NOUN
cjfa-20691	227	42	is	be	AUX
cjfa-20691	227	43	likely	likely	ADJ
cjfa-20691	227	44	to	to	PART
cjfa-20691	227	45	continue	continue	VERB
cjfa-20691	227	46	in	in	ADP
cjfa-20691	227	47	the	the	DET
cjfa-20691	227	48	near	near	ADJ
cjfa-20691	227	49	future	future	NOUN
cjfa-20691	227	50	,	,	PUNCT
cjfa-20691	227	51	and	and	CCONJ
cjfa-20691	227	52	polish	polish	ADJ
cjfa-20691	227	53	customers	customer	NOUN
cjfa-20691	227	54	are	be	AUX
cjfa-20691	227	55	going	go	VERB
cjfa-20691	227	56	to	to	PART
cjfa-20691	227	57	gain	gain	VERB
cjfa-20691	227	58	access	access	NOUN
cjfa-20691	227	59	to	to	ADP
cjfa-20691	227	60	increasingly	increasingly	ADV
cjfa-20691	227	61	improved	improve	VERB
cjfa-20691	227	62	mobile	mobile	ADJ
cjfa-20691	227	63	banking	banking	NOUN
cjfa-20691	227	64	applications	application	NOUN
cjfa-20691	227	65	.	.	PUNCT
cjfa-20691	228	1	the	the	DET
cjfa-20691	228	2	usage	usage	NOUN
cjfa-20691	228	3	of	of	ADP
cjfa-20691	228	4	mobile	mobile	ADJ
cjfa-20691	228	5	banking	banking	NOUN
cjfa-20691	228	6	applications	application	NOUN
cjfa-20691	228	7	in	in	ADP
cjfa-20691	228	8	poland	poland	PROPN
cjfa-20691	228	9	…	…	PUNCT
cjfa-20691	228	10	23	23	NUM
cjfa-20691	228	11	 	 	SPACE
cjfa-20691	228	12	references	reference	NOUN
cjfa-20691	228	13	alalwan	alalwan	NOUN
cjfa-20691	228	14	,	,	PUNCT
cjfa-20691	228	15	a.a	a.a	PROPN
cjfa-20691	228	16	.	.	PROPN
cjfa-20691	228	17	,	,	PUNCT
cjfa-20691	228	18	dwivedi	dwivedi	PROPN
cjfa-20691	228	19	,	,	PUNCT
cjfa-20691	228	20	y.k	y.k	PROPN
cjfa-20691	228	21	.	.	PROPN
cjfa-20691	228	22	,	,	PUNCT
cjfa-20691	228	23	rana	rana	PROPN
cjfa-20691	228	24	,	,	PUNCT
cjfa-20691	228	25	n.p	n.p	PROPN
cjfa-20691	228	26	.	.	PROPN
cjfa-20691	228	27	,	,	PUNCT
cjfa-20691	228	28	&	&	CCONJ
cjfa-20691	228	29	williams	williams	PROPN
cjfa-20691	228	30	,	,	PUNCT
cjfa-20691	228	31	m.d	m.d	PROPN
cjfa-20691	228	32	.	.	PROPN
cjfa-20691	228	33	(	(	PUNCT
cjfa-20691	228	34	2016	2016	NUM
cjfa-20691	228	35	)	)	PUNCT
cjfa-20691	228	36	.	.	PUNCT
cjfa-20691	229	1	consumer	consumer	NOUN
cjfa-20691	229	2	adoption	adoption	NOUN
cjfa-20691	229	3	of	of	ADP
cjfa-20691	229	4	mobile	mobile	ADJ
cjfa-20691	229	5	banking	banking	NOUN
cjfa-20691	229	6	in	in	ADP
cjfa-20691	229	7	jordan	jordan	PROPN
cjfa-20691	229	8	:	:	PUNCT
cjfa-20691	229	9	examining	examine	VERB
cjfa-20691	229	10	the	the	DET
cjfa-20691	229	11	role	role	NOUN
cjfa-20691	229	12	of	of	ADP
cjfa-20691	229	13	usefulness	usefulness	NOUN
cjfa-20691	229	14	,	,	PUNCT
cjfa-20691	229	15	ease	ease	NOUN
cjfa-20691	229	16	of	of	ADP
cjfa-20691	229	17	use	use	NOUN
cjfa-20691	229	18	,	,	PUNCT
cjfa-20691	229	19	perceived	perceive	VERB
cjfa-20691	229	20	risk	risk	NOUN
cjfa-20691	229	21	and	and	CCONJ
cjfa-20691	229	22	self	self	NOUN
cjfa-20691	229	23	-	-	PUNCT
cjfa-20691	229	24	efficacy	efficacy	NOUN
cjfa-20691	229	25	.	.	PUNCT
cjfa-20691	230	1	journal	journal	NOUN
cjfa-20691	230	2	of	of	ADP
cjfa-20691	230	3	enterprise	enterprise	NOUN
cjfa-20691	230	4	information	information	NOUN
cjfa-20691	230	5	management	management	NOUN
cjfa-20691	230	6	,	,	PUNCT
cjfa-20691	230	7	29(1	29(1	NUM
cjfa-20691	230	8	)	)	PUNCT
cjfa-20691	230	9	,	,	PUNCT
cjfa-20691	230	10	118–139	118–139	NUM
cjfa-20691	230	11	.	.	PUNCT
cjfa-20691	231	1	https://dx.doi.org/10.1108/jeim-04-2015-0035	https://dx.doi.org/10.1108/jeim-04-2015-0035	PROPN
cjfa-20691	231	2	.	.	PROPN
cjfa-20691	231	3	bolibok	bolibok	PROPN
cjfa-20691	231	4	,	,	PUNCT
cjfa-20691	231	5	p.	p.	PROPN
cjfa-20691	231	6	,	,	PUNCT
cjfa-20691	231	7	&	&	CCONJ
cjfa-20691	231	8	matras	matras	PROPN
cjfa-20691	231	9	-	-	PUNCT
cjfa-20691	231	10	bolibok	bolibok	PROPN
cjfa-20691	231	11	,	,	PUNCT
cjfa-20691	231	12	a.	a.	NOUN
cjfa-20691	231	13	(	(	PUNCT
cjfa-20691	231	14	2014	2014	NUM
cjfa-20691	231	15	)	)	PUNCT
cjfa-20691	231	16	.	.	PUNCT
cjfa-20691	232	1	bankowość	bankowość	PROPN
cjfa-20691	232	2	mobilna	mobilna	PROPN
cjfa-20691	232	3	jako	jako	PROPN
cjfa-20691	232	4	innowacyjny	innowacyjny	PROPN
cjfa-20691	232	5	kanał	kanał	PROPN
cjfa-20691	232	6	dostępu	dostępu	NOUN
cjfa-20691	232	7	do	do	VERB
cjfa-20691	232	8	usług	usług	NOUN
cjfa-20691	232	9	bankowych	bankowych	NOUN
cjfa-20691	232	10	.	.	PUNCT
cjfa-20691	233	1	(	(	PUNCT
cjfa-20691	233	2	mobile	mobile	ADJ
cjfa-20691	233	3	banking	banking	NOUN
cjfa-20691	233	4	as	as	ADP
cjfa-20691	233	5	an	an	DET
cjfa-20691	233	6	innovative	innovative	ADJ
cjfa-20691	233	7	channel	channel	NOUN
cjfa-20691	233	8	of	of	ADP
cjfa-20691	233	9	access	access	NOUN
cjfa-20691	233	10	to	to	ADP
cjfa-20691	233	11	banking	banking	NOUN
cjfa-20691	233	12	services	service	NOUN
cjfa-20691	233	13	.	.	PUNCT
cjfa-20691	233	14	)	)	PUNCT
cjfa-20691	234	1	roczniki	roczniki	ADJ
cjfa-20691	234	2	ekonomii	ekonomii	NOUN
cjfa-20691	234	3	i	i	PROPN
cjfa-20691	234	4	zarządzania	zarządzania	PROPN
cjfa-20691	234	5	,	,	PUNCT
cjfa-20691	234	6	(	(	PUNCT
cjfa-20691	234	7	annals	annal	NOUN
cjfa-20691	234	8	of	of	ADP
cjfa-20691	234	9	economics	economic	NOUN
cjfa-20691	234	10	and	and	CCONJ
cjfa-20691	234	11	management	management	NOUN
cjfa-20691	234	12	.	.	PUNCT
cjfa-20691	234	13	)	)	PUNCT
cjfa-20691	235	1	6(42	6(42	NUM
cjfa-20691	235	2	)	)	PUNCT
cjfa-20691	235	3	,	,	PUNCT
cjfa-20691	235	4	no	no	INTJ
cjfa-20691	235	5	.	.	NOUN
cjfa-20691	235	6	2	2	NUM
cjfa-20691	235	7	,	,	PUNCT
cjfa-20691	235	8	7–22	7–22	PROPN
cjfa-20691	235	9	.	.	PUNCT
cjfa-20691	236	1	davis	davis	PROPN
cjfa-20691	236	2	,	,	PUNCT
cjfa-20691	236	3	f.d	f.d	PROPN
cjfa-20691	236	4	.	.	PROPN
cjfa-20691	236	5	(	(	PUNCT
cjfa-20691	236	6	1989	1989	NUM
cjfa-20691	236	7	)	)	PUNCT
cjfa-20691	236	8	.	.	PUNCT
cjfa-20691	237	1	perceived	perceive	VERB
cjfa-20691	237	2	usefulness	usefulness	NOUN
cjfa-20691	237	3	,	,	PUNCT
cjfa-20691	237	4	perceived	perceive	VERB
cjfa-20691	237	5	ease	ease	NOUN
cjfa-20691	237	6	of	of	ADP
cjfa-20691	237	7	use	use	NOUN
cjfa-20691	237	8	,	,	PUNCT
cjfa-20691	237	9	and	and	CCONJ
cjfa-20691	237	10	user	user	NOUN
cjfa-20691	237	11	acceptance	acceptance	NOUN
cjfa-20691	237	12	of	of	ADP
cjfa-20691	237	13	information	information	NOUN
cjfa-20691	237	14	technology	technology	NOUN
cjfa-20691	237	15	.	.	PUNCT
cjfa-20691	238	1	mis	mis	PROPN
cjfa-20691	238	2	quarterly	quarterly	PROPN
cjfa-20691	238	3	,	,	PUNCT
cjfa-20691	238	4	13(3	13(3	NUM
cjfa-20691	238	5	)	)	PUNCT
cjfa-20691	238	6	,	,	PUNCT
cjfa-20691	238	7	319–340	319–340	NUM
cjfa-20691	238	8	.	.	PUNCT
cjfa-20691	239	1	https://dx.doi	https://dx.doi	PROPN
cjfa-20691	239	2	.	.	PUNCT
cjfa-20691	240	1	org/10.2307/249008	org/10.2307/249008	PROPN
cjfa-20691	240	2	.	.	PUNCT
cjfa-20691	241	1	hassa	hassa	PROPN
cjfa-20691	241	2	,	,	PUNCT
cjfa-20691	241	3	t.	t.	PROPN
cjfa-20691	241	4	(	(	PUNCT
cjfa-20691	241	5	2013	2013	NUM
cjfa-20691	241	6	)	)	PUNCT
cjfa-20691	241	7	.	.	PUNCT
cjfa-20691	242	1	stan	stan	PROPN
cjfa-20691	242	2	i	i	PRON
cjfa-20691	242	3	perspektywy	perspektywy	VERB
cjfa-20691	242	4	rozwoju	rozwoju	PROPN
cjfa-20691	242	5	bankowości	bankowości	PROPN
cjfa-20691	242	6	mobilnej	mobilnej	PROPN
cjfa-20691	242	7	dla	dla	PROPN
cjfa-20691	242	8	klientów	klientów	PROPN
cjfa-20691	242	9	indywidualnych	indywidualnych	PROPN
cjfa-20691	242	10	w	w	PROPN
cjfa-20691	242	11	polsce	polsce	NOUN
cjfa-20691	242	12	.	.	PUNCT
cjfa-20691	243	1	(	(	PUNCT
cjfa-20691	243	2	the	the	DET
cjfa-20691	243	3	status	status	NOUN
cjfa-20691	243	4	and	and	CCONJ
cjfa-20691	243	5	prospects	prospect	NOUN
cjfa-20691	243	6	for	for	ADP
cjfa-20691	243	7	the	the	DET
cjfa-20691	243	8	development	development	NOUN
cjfa-20691	243	9	of	of	ADP
cjfa-20691	243	10	mobile	mobile	ADJ
cjfa-20691	243	11	banking	banking	NOUN
cjfa-20691	243	12	for	for	ADP
cjfa-20691	243	13	individual	individual	ADJ
cjfa-20691	243	14	clients	client	NOUN
cjfa-20691	243	15	in	in	ADP
cjfa-20691	243	16	poland	poland	PROPN
cjfa-20691	243	17	.	.	PUNCT
cjfa-20691	243	18	)	)	PUNCT
cjfa-20691	243	19	zeszyty	zeszyty	VERB
cjfa-20691	243	20	naukowe	naukowe	NOUN
cjfa-20691	243	21	studia	studia	PROPN
cjfa-20691	243	22	i	i	PRON
cjfa-20691	243	23	prace	prace	VERB
cjfa-20691	243	24	kolegium	kolegium	PROPN
cjfa-20691	243	25	zarządzania	zarządzania	PROPN
cjfa-20691	244	1	i	i	PRON
cjfa-20691	244	2	finansów	finansów	VERB
cjfa-20691	244	3	,	,	PUNCT
cjfa-20691	244	4	(	(	PUNCT
cjfa-20691	244	5	studies	study	NOUN
cjfa-20691	244	6	and	and	CCONJ
cjfa-20691	244	7	works	work	NOUN
cjfa-20691	244	8	of	of	ADP
cjfa-20691	244	9	the	the	DET
cjfa-20691	244	10	collegium	collegium	NOUN
cjfa-20691	244	11	of	of	ADP
cjfa-20691	244	12	management	management	NOUN
cjfa-20691	244	13	and	and	CCONJ
cjfa-20691	244	14	finance	finance	NOUN
cjfa-20691	244	15	.	.	PUNCT
cjfa-20691	244	16	)	)	PUNCT
cjfa-20691	245	1	138	138	NUM
cjfa-20691	245	2	,	,	PUNCT
cjfa-20691	245	3	39–57	39–57	NUM
cjfa-20691	245	4	.	.	PUNCT
cjfa-20691	246	1	kaczmarek	kaczmarek	PROPN
cjfa-20691	246	2	,	,	PUNCT
cjfa-20691	246	3	m.	m.	NOUN
cjfa-20691	246	4	(	(	PUNCT
cjfa-20691	246	5	2018	2018	NUM
cjfa-20691	246	6	)	)	PUNCT
cjfa-20691	246	7	.	.	PUNCT
cjfa-20691	247	1	struktura	struktura	PROPN
cjfa-20691	247	2	rynku	rynku	ADJ
cjfa-20691	247	3	bankowości	bankowości	PROPN
cjfa-20691	247	4	mobilnej	mobilnej	PROPN
cjfa-20691	247	5	w	w	PROPN
cjfa-20691	247	6	polsce	polsce	NOUN
cjfa-20691	247	7	–	–	PUNCT
cjfa-20691	247	8	analiza	analiza	NOUN
cjfa-20691	247	9	wybranych	wybranych	PROPN
cjfa-20691	247	10	wskaźników	wskaźników	PROPN
cjfa-20691	247	11	jego	jego	PROPN
cjfa-20691	247	12	funkcjonowania	funkcjonowania	PROPN
cjfa-20691	247	13	.	.	PUNCT
cjfa-20691	248	1	(	(	PUNCT
cjfa-20691	248	2	structure	structure	NOUN
cjfa-20691	248	3	of	of	ADP
cjfa-20691	248	4	the	the	DET
cjfa-20691	248	5	mobile	mobile	ADJ
cjfa-20691	248	6	banking	banking	NOUN
cjfa-20691	248	7	market	market	NOUN
cjfa-20691	248	8	in	in	ADP
cjfa-20691	248	9	poland	poland	PROPN
cjfa-20691	248	10	–	–	PUNCT
cjfa-20691	248	11	analysis	analysis	NOUN
cjfa-20691	248	12	of	of	ADP
cjfa-20691	248	13	selected	select	VERB
cjfa-20691	248	14	indicators	indicator	NOUN
cjfa-20691	248	15	of	of	ADP
cjfa-20691	248	16	its	its	PRON
cjfa-20691	248	17	functioning	functioning	NOUN
cjfa-20691	248	18	.	.	PUNCT
cjfa-20691	248	19	)	)	PUNCT
cjfa-20691	249	1	bank	bank	NOUN
cjfa-20691	249	2	i	i	PRON
cjfa-20691	249	3	kredyt	kredyt	PROPN
cjfa-20691	249	4	,	,	PUNCT
cjfa-20691	249	5	(	(	PUNCT
cjfa-20691	249	6	bank	bank	NOUN
cjfa-20691	249	7	&	&	CCONJ
cjfa-20691	249	8	credit	credit	NOUN
cjfa-20691	249	9	.	.	PUNCT
cjfa-20691	249	10	)	)	PUNCT
cjfa-20691	250	1	49(2	49(2	NUM
cjfa-20691	250	2	)	)	PUNCT
cjfa-20691	250	3	,	,	PUNCT
cjfa-20691	250	4	145–168	145–168	NUM
cjfa-20691	250	5	.	.	PUNCT
cjfa-20691	251	1	krzysztoszek	krzysztoszek	PROPN
cjfa-20691	251	2	,	,	PUNCT
cjfa-20691	251	3	m.	m.	NOUN
cjfa-20691	251	4	(	(	PUNCT
cjfa-20691	251	5	2017	2017	NUM
cjfa-20691	251	6	)	)	PUNCT
cjfa-20691	251	7	.	.	PUNCT
cjfa-20691	252	1	bankowość	bankowość	PROPN
cjfa-20691	252	2	elektroniczna	elektroniczna	PROPN
cjfa-20691	252	3	w	w	PROPN
cjfa-20691	252	4	teorii	teorii	PROPN
cjfa-20691	253	1	i	i	PRON
cjfa-20691	253	2	praktyce	praktyce	VERB
cjfa-20691	253	3	.	.	PUNCT
cjfa-20691	254	1	(	(	PUNCT
cjfa-20691	254	2	electronic	electronic	ADJ
cjfa-20691	254	3	banking	banking	NOUN
cjfa-20691	254	4	in	in	ADP
cjfa-20691	254	5	theory	theory	NOUN
cjfa-20691	254	6	and	and	CCONJ
cjfa-20691	254	7	practice	practice	NOUN
cjfa-20691	254	8	.	.	PUNCT
cjfa-20691	254	9	)	)	PUNCT
cjfa-20691	255	1	komisja	komisja	PROPN
cjfa-20691	255	2	nadzoru	nadzoru	PROPN
cjfa-20691	255	3	finansowego	finansowego	PROPN
cjfa-20691	255	4	.	.	PUNCT
cjfa-20691	256	1	lee	lee	PROPN
cjfa-20691	256	2	,	,	PUNCT
cjfa-20691	256	3	h.	h.	PROPN
cjfa-20691	256	4	,	,	PUNCT
cjfa-20691	256	5	harindranath	harindranath	NOUN
cjfa-20691	256	6	,	,	PUNCT
cjfa-20691	256	7	g.	g.	PROPN
cjfa-20691	256	8	,	,	PUNCT
cjfa-20691	256	9	oh	oh	INTJ
cjfa-20691	256	10	,	,	PUNCT
cjfa-20691	256	11	s.	s.	PROPN
cjfa-20691	256	12	,	,	PUNCT
cjfa-20691	256	13	&	&	CCONJ
cjfa-20691	256	14	kim	kim	PROPN
cjfa-20691	256	15	,	,	PUNCT
cjfa-20691	256	16	d.	d.	PROPN
cjfa-20691	256	17	(	(	PUNCT
cjfa-20691	256	18	2015	2015	NUM
cjfa-20691	256	19	)	)	PUNCT
cjfa-20691	256	20	.	.	PUNCT
cjfa-20691	257	1	provision	provision	NOUN
cjfa-20691	257	2	of	of	ADP
cjfa-20691	257	3	mobile	mobile	ADJ
cjfa-20691	257	4	banking	banking	NOUN
cjfa-20691	257	5	services	service	NOUN
cjfa-20691	257	6	from	from	ADP
cjfa-20691	257	7	an	an	DET
cjfa-20691	257	8	actor	actor	NOUN
cjfa-20691	257	9	-	-	PUNCT
cjfa-20691	257	10	network	network	NOUN
cjfa-20691	257	11	perspective	perspective	NOUN
cjfa-20691	257	12	:	:	PUNCT
cjfa-20691	257	13	implications	implication	NOUN
cjfa-20691	257	14	for	for	ADP
cjfa-20691	257	15	convergence	convergence	NOUN
cjfa-20691	257	16	and	and	CCONJ
cjfa-20691	257	17	standardization	standardization	NOUN
cjfa-20691	257	18	.	.	PUNCT
cjfa-20691	258	1	technological	technological	ADJ
cjfa-20691	258	2	forecasting	forecasting	NOUN
cjfa-20691	258	3	&	&	CCONJ
cjfa-20691	258	4	social	social	ADJ
cjfa-20691	258	5	change	change	NOUN
cjfa-20691	258	6	,	,	PUNCT
cjfa-20691	258	7	90	90	NUM
cjfa-20691	258	8	,	,	PUNCT
cjfa-20691	258	9	551–561	551–561	NUM
cjfa-20691	258	10	.	.	PUNCT
cjfa-20691	259	1	polasik	polasik	NOUN
cjfa-20691	259	2	,	,	PUNCT
cjfa-20691	259	3	m.	m.	NOUN
cjfa-20691	259	4	(	(	PUNCT
cjfa-20691	259	5	2013	2013	NUM
cjfa-20691	259	6	)	)	PUNCT
cjfa-20691	259	7	.	.	PUNCT
cjfa-20691	260	1	wykorzystanie	wykorzystanie	PROPN
cjfa-20691	260	2	elektronicznych	elektronicznych	NOUN
cjfa-20691	260	3	kanałów	kanałów	VERB
cjfa-20691	260	4	dystrybucji	dystrybucji	ADJ
cjfa-20691	260	5	usług	usług	NOUN
cjfa-20691	260	6	bankowych	bankowych	NOUN
cjfa-20691	260	7	w	w	PROPN
cjfa-20691	260	8	polsce	polsce	PROPN
cjfa-20691	260	9	.	.	PUNCT
cjfa-20691	261	1	(	(	PUNCT
cjfa-20691	261	2	the	the	DET
cjfa-20691	261	3	use	use	NOUN
cjfa-20691	261	4	of	of	ADP
cjfa-20691	261	5	electronic	electronic	ADJ
cjfa-20691	261	6	distribution	distribution	NOUN
cjfa-20691	261	7	channel	channel	NOUN
cjfa-20691	261	8	of	of	ADP
cjfa-20691	261	9	banking	banking	NOUN
cjfa-20691	261	10	services	service	NOUN
cjfa-20691	261	11	in	in	ADP
cjfa-20691	261	12	poland	poland	PROPN
cjfa-20691	261	13	.	.	PUNCT
cjfa-20691	261	14	)	)	PUNCT
cjfa-20691	262	1	copernican	copernican	PROPN
cjfa-20691	262	2	journal	journal	PROPN
cjfa-20691	262	3	of	of	ADP
cjfa-20691	262	4	finance	finance	PROPN
cjfa-20691	262	5	&	&	CCONJ
cjfa-20691	262	6	accounting	accounting	NOUN
cjfa-20691	262	7	,	,	PUNCT
cjfa-20691	262	8	2(1	2(1	NUM
cjfa-20691	262	9	)	)	PUNCT
cjfa-20691	262	10	,	,	PUNCT
cjfa-20691	262	11	139–152	139–152	NUM
cjfa-20691	262	12	.	.	PUNCT
cjfa-20691	263	1	https://dx.doi	https://dx.doi	NOUN
cjfa-20691	263	2	.	.	PUNCT
cjfa-20691	264	1	org/10.12775	org/10.12775	ADJ
cjfa-20691	264	2	/	/	SYM
cjfa-20691	264	3	cjfa.2013.010	cjfa.2013.010	NOUN
cjfa-20691	264	4	.	.	PUNCT
cjfa-20691	265	1	polasik	polasik	PROPN
cjfa-20691	265	2	,	,	PUNCT
cjfa-20691	265	3	m.	m.	NOUN
cjfa-20691	265	4	,	,	PUNCT
cjfa-20691	265	5	górka	górka	PROPN
cjfa-20691	265	6	,	,	PUNCT
cjfa-20691	265	7	j.	j.	PROPN
cjfa-20691	265	8	,	,	PUNCT
cjfa-20691	265	9	wilczewski	wilczewski	PROPN
cjfa-20691	265	10	,	,	PUNCT
cjfa-20691	265	11	g.	g.	PROPN
cjfa-20691	265	12	,	,	PUNCT
cjfa-20691	265	13	kunkowski	kunkowski	PROPN
cjfa-20691	265	14	,	,	PUNCT
cjfa-20691	265	15	j.	j.	PROPN
cjfa-20691	265	16	,	,	PUNCT
cjfa-20691	265	17	przenajkowska	przenajkowska	PROPN
cjfa-20691	265	18	,	,	PUNCT
cjfa-20691	265	19	k.	k.	PROPN
cjfa-20691	265	20	,	,	PUNCT
cjfa-20691	265	21	&	&	CCONJ
cjfa-20691	265	22	tetkowska	tetkowska	PROPN
cjfa-20691	265	23	,	,	PUNCT
cjfa-20691	265	24	n.	n.	NOUN
cjfa-20691	265	25	(	(	PUNCT
cjfa-20691	265	26	2013	2013	NUM
cjfa-20691	265	27	)	)	PUNCT
cjfa-20691	265	28	.	.	PUNCT
cjfa-20691	266	1	time	time	NOUN
cjfa-20691	266	2	efficiency	efficiency	NOUN
cjfa-20691	266	3	of	of	ADP
cjfa-20691	266	4	point	point	NOUN
cjfa-20691	266	5	-	-	PUNCT
cjfa-20691	266	6	of	of	ADP
cjfa-20691	266	7	-	-	PUNCT
cjfa-20691	266	8	sale	sale	NOUN
cjfa-20691	266	9	payment	payment	NOUN
cjfa-20691	266	10	methods	method	NOUN
cjfa-20691	266	11	:	:	PUNCT
cjfa-20691	266	12	empirical	empirical	ADJ
cjfa-20691	266	13	results	result	NOUN
cjfa-20691	266	14	for	for	ADP
cjfa-20691	266	15	cash	cash	NOUN
cjfa-20691	266	16	,	,	PUNCT
cjfa-20691	266	17	cards	card	NOUN
cjfa-20691	266	18	and	and	CCONJ
cjfa-20691	266	19	mobile	mobile	ADJ
cjfa-20691	266	20	payments	payment	NOUN
cjfa-20691	266	21	.	.	PUNCT
cjfa-20691	267	1	lecture	lecture	NOUN
cjfa-20691	267	2	notes	note	NOUN
cjfa-20691	267	3	in	in	ADP
cjfa-20691	267	4	business	business	NOUN
cjfa-20691	267	5	information	information	NOUN
cjfa-20691	267	6	processing	processing	NOUN
cjfa-20691	267	7	,	,	PUNCT
cjfa-20691	267	8	141	141	NUM
cjfa-20691	267	9	,	,	PUNCT
cjfa-20691	267	10	306–320	306–320	NUM
cjfa-20691	267	11	.	.	PUNCT
cjfa-20691	268	1	https://dx.doi.org/10.1007/978-3-642-40654-6_19	https://dx.doi.org/10.1007/978-3-642-40654-6_19	PROPN
cjfa-20691	268	2	.	.	PUNCT
cjfa-20691	268	3	polasik	polasik	PROPN
cjfa-20691	268	4	,	,	PUNCT
cjfa-20691	268	5	m.	m.	NOUN
cjfa-20691	268	6	,	,	PUNCT
cjfa-20691	268	7	&	&	CCONJ
cjfa-20691	268	8	kumkowska	kumkowska	PROPN
cjfa-20691	268	9	,	,	PUNCT
cjfa-20691	268	10	n.	n.	NOUN
cjfa-20691	268	11	(	(	PUNCT
cjfa-20691	268	12	2015	2015	NUM
cjfa-20691	268	13	)	)	PUNCT
cjfa-20691	268	14	.	.	PUNCT
cjfa-20691	269	1	determinanty	determinanty	PROPN
cjfa-20691	269	2	zainteresowania	zainteresowania	PROPN
cjfa-20691	269	3	płatnościami	płatnościami	PROPN
cjfa-20691	269	4	mobilnymi	mobilnymi	VERB
cjfa-20691	269	5	ze	ze	PROPN
cjfa-20691	269	6	strony	strony	PROPN
cjfa-20691	269	7	polskich	polskich	PROPN
cjfa-20691	269	8	konsumentów	konsumentów	PROPN
cjfa-20691	269	9	.	.	PUNCT
cjfa-20691	270	1	(	(	PUNCT
cjfa-20691	270	2	determinants	determinant	NOUN
cjfa-20691	270	3	of	of	ADP
cjfa-20691	270	4	interest	interest	NOUN
cjfa-20691	270	5	in	in	ADP
cjfa-20691	270	6	mobile	mobile	ADJ
cjfa-20691	270	7	payments	payment	NOUN
cjfa-20691	270	8	among	among	ADP
cjfa-20691	270	9	polish	polish	ADJ
cjfa-20691	270	10	consumers	consumer	NOUN
cjfa-20691	270	11	.	.	PUNCT
cjfa-20691	270	12	)	)	PUNCT
cjfa-20691	271	1	problemy	problemy	PROPN
cjfa-20691	271	2	zarządzania	zarządzania	PROPN
cjfa-20691	271	3	,	,	PUNCT
cjfa-20691	271	4	(	(	PUNCT
cjfa-20691	271	5	management	management	NOUN
cjfa-20691	271	6	problems	problem	NOUN
cjfa-20691	271	7	.	.	PUNCT
cjfa-20691	271	8	)	)	PUNCT
cjfa-20691	272	1	13(3	13(3	NUM
cjfa-20691	272	2	)	)	PUNCT
cjfa-20691	272	3	,	,	PUNCT
cjfa-20691	272	4	102–117	102–117	NUM
cjfa-20691	272	5	.	.	PUNCT
cjfa-20691	273	1	https://dx.doi.org/10.7172/1644-9584.54.7	https://dx.doi.org/10.7172/1644-9584.54.7	PROPN
cjfa-20691	273	2	.	.	PUNCT
cjfa-20691	274	1	polasik	polasik	PROPN
cjfa-20691	274	2	,	,	PUNCT
cjfa-20691	274	3	m.	m.	NOUN
cjfa-20691	274	4	,	,	PUNCT
cjfa-20691	274	5	wisniewski	wisniewski	PROPN
cjfa-20691	274	6	,	,	PUNCT
cjfa-20691	274	7	t.p	t.p	PROPN
cjfa-20691	274	8	.	.	PROPN
cjfa-20691	274	9	,	,	PUNCT
cjfa-20691	274	10	&	&	CCONJ
cjfa-20691	274	11	lightfoot	lightfoot	PROPN
cjfa-20691	274	12	,	,	PUNCT
cjfa-20691	274	13	g.	g.	PROPN
cjfa-20691	274	14	(	(	PUNCT
cjfa-20691	274	15	2012	2012	NUM
cjfa-20691	274	16	)	)	PUNCT
cjfa-20691	274	17	.	.	PUNCT
cjfa-20691	275	1	modelling	model	VERB
cjfa-20691	275	2	customers	customer	NOUN
cjfa-20691	275	3	’	'	PUNCT
cjfa-20691	275	4	intentions	intention	NOUN
cjfa-20691	275	5	to	to	PART
cjfa-20691	275	6	use	use	VERB
cjfa-20691	275	7	contactless	contactless	ADJ
cjfa-20691	275	8	cards	card	NOUN
cjfa-20691	275	9	.	.	PUNCT
cjfa-20691	276	1	international	international	ADJ
cjfa-20691	276	2	journal	journal	PROPN
cjfa-20691	276	3	of	of	ADP
cjfa-20691	276	4	banking	banking	NOUN
cjfa-20691	276	5	,	,	PUNCT
cjfa-20691	276	6	accounting	accounting	NOUN
cjfa-20691	276	7	and	and	CCONJ
cjfa-20691	276	8	finance	finance	NOUN
cjfa-20691	276	9	,	,	PUNCT
cjfa-20691	276	10	4(3	4(3	NUM
cjfa-20691	276	11	)	)	PUNCT
cjfa-20691	276	12	,	,	PUNCT
cjfa-20691	276	13	203–231	203–231	NUM
cjfa-20691	276	14	.	.	PUNCT
cjfa-20691	277	1	https://dx.doi.org/10.1504/ijbaaf.2012.051590	https://dx.doi.org/10.1504/ijbaaf.2012.051590	NOUN
cjfa-20691	277	2	.	.	PUNCT
cjfa-20691	278	1	shaikh	shaikh	PROPN
cjfa-20691	278	2	,	,	PUNCT
cjfa-20691	278	3	a.a	a.a	PROPN
cjfa-20691	278	4	.	.	PROPN
cjfa-20691	278	5	,	,	PUNCT
cjfa-20691	278	6	&	&	CCONJ
cjfa-20691	278	7	karjaluoto	karjaluoto	PROPN
cjfa-20691	278	8	,	,	PUNCT
cjfa-20691	278	9	h.	h.	PROPN
cjfa-20691	278	10	(	(	PUNCT
cjfa-20691	278	11	2015	2015	NUM
cjfa-20691	278	12	)	)	PUNCT
cjfa-20691	278	13	.	.	PUNCT
cjfa-20691	279	1	mobile	mobile	ADJ
cjfa-20691	279	2	banking	banking	NOUN
cjfa-20691	279	3	adaption	adaption	NOUN
cjfa-20691	279	4	:	:	PUNCT
cjfa-20691	279	5	a	a	DET
cjfa-20691	279	6	literature	literature	NOUN
cjfa-20691	279	7	review	review	NOUN
cjfa-20691	279	8	.	.	PUNCT
cjfa-20691	280	1	telematics	telematic	NOUN
cjfa-20691	280	2	and	and	CCONJ
cjfa-20691	280	3	informatics	informatic	NOUN
cjfa-20691	280	4	,	,	PUNCT
cjfa-20691	280	5	32	32	NUM
cjfa-20691	280	6	,	,	PUNCT
cjfa-20691	280	7	129–142	129–142	NUM
cjfa-20691	280	8	.	.	PUNCT
cjfa-20691	281	1	mikołaj	mikołaj	NOUN
cjfa-20691	281	2	borowski	borowski	NOUN
cjfa-20691	281	3	-	-	PUNCT
cjfa-20691	281	4	beszta	beszta	ADJ
cjfa-20691	281	5	,	,	PUNCT
cjfa-20691	281	6	anna	anna	PROPN
cjfa-20691	281	7	kiermas24	kiermas24	PROPN
cjfa-20691	281	8	sobiesiak	sobiesiak	PROPN
cjfa-20691	281	9	,	,	PUNCT
cjfa-20691	281	10	m.	m.	NOUN
cjfa-20691	281	11	,	,	PUNCT
cjfa-20691	281	12	&	&	CCONJ
cjfa-20691	281	13	zagrodniczek	zagrodniczek	PROPN
cjfa-20691	281	14	,	,	PUNCT
cjfa-20691	281	15	p.	p.	NOUN
cjfa-20691	281	16	(	(	PUNCT
cjfa-20691	281	17	2018	2018	NUM
cjfa-20691	281	18	)	)	PUNCT
cjfa-20691	281	19	.	.	PUNCT
cjfa-20691	282	1	nowe	nowe	PROPN
cjfa-20691	282	2	zagrożenia	zagrożenia	PROPN
cjfa-20691	282	3	a	a	DET
cjfa-20691	282	4	metody	metody	ADJ
cjfa-20691	282	5	ochrony	ochrony	NOUN
cjfa-20691	282	6	usług	usług	NOUN
cjfa-20691	282	7	finansowych	finansowych	PROPN
cjfa-20691	282	8	w	w	PROPN
cjfa-20691	282	9	sektorze	sektorze	PROPN
cjfa-20691	282	10	bankowości	bankowości	NOUN
cjfa-20691	282	11	mobilnej	mobilnej	VERB
cjfa-20691	282	12	na	na	PART
cjfa-20691	282	13	przykładzie	przykładzie	VERB
cjfa-20691	282	14	studentów	studentów	NOUN
cjfa-20691	282	15	lubelskich	lubelskich	PROPN
cjfa-20691	282	16	uczelni	uczelni	PROPN
cjfa-20691	282	17	.	.	PUNCT
cjfa-20691	283	1	(	(	PUNCT
cjfa-20691	283	2	new	new	ADJ
cjfa-20691	283	3	threats	threat	NOUN
cjfa-20691	283	4	and	and	CCONJ
cjfa-20691	283	5	methods	method	NOUN
cjfa-20691	283	6	of	of	ADP
cjfa-20691	283	7	protection	protection	NOUN
cjfa-20691	283	8	of	of	ADP
cjfa-20691	283	9	financial	financial	ADJ
cjfa-20691	283	10	services	service	NOUN
cjfa-20691	283	11	in	in	ADP
cjfa-20691	283	12	the	the	DET
cjfa-20691	283	13	mobile	mobile	ADJ
cjfa-20691	283	14	banking	banking	NOUN
cjfa-20691	283	15	sector	sector	NOUN
cjfa-20691	283	16	.	.	PUNCT
cjfa-20691	283	17	)	)	PUNCT
cjfa-20691	284	1	journal	journal	NOUN
cjfa-20691	284	2	of	of	ADP
cjfa-20691	284	3	finance	finance	NOUN
cjfa-20691	284	4	and	and	CCONJ
cjfa-20691	284	5	financial	financial	ADJ
cjfa-20691	284	6	law	law	NOUN
cjfa-20691	284	7	,	,	PUNCT
cjfa-20691	284	8	2(18	2(18	NUM
cjfa-20691	284	9	)	)	PUNCT
cjfa-20691	284	10	,	,	PUNCT
cjfa-20691	284	11	65–78	65–78	NUM
cjfa-20691	284	12	.	.	PUNCT
cjfa-20691	285	1	steennot	steennot	PROPN
cjfa-20691	285	2	,	,	PUNCT
cjfa-20691	285	3	r.	r.	PROPN
cjfa-20691	285	4	(	(	PUNCT
cjfa-20691	285	5	2018	2018	NUM
cjfa-20691	285	6	)	)	PUNCT
cjfa-20691	285	7	.	.	PUNCT
cjfa-20691	286	1	reduced	reduce	VERB
cjfa-20691	286	2	payer	payer	PROPN
cjfa-20691	286	3	’s	’s	PART
cjfa-20691	286	4	liability	liability	NOUN
cjfa-20691	286	5	for	for	ADP
cjfa-20691	286	6	unauthorized	unauthorized	ADJ
cjfa-20691	286	7	payment	payment	NOUN
cjfa-20691	286	8	transactions	transaction	NOUN
cjfa-20691	286	9	under	under	ADP
cjfa-20691	286	10	the	the	DET
cjfa-20691	286	11	second	second	ADJ
cjfa-20691	286	12	payment	payment	NOUN
cjfa-20691	286	13	services	service	NOUN
cjfa-20691	286	14	directive	directive	NOUN
cjfa-20691	286	15	(	(	PUNCT
cjfa-20691	286	16	psd2	psd2	PROPN
cjfa-20691	286	17	)	)	PUNCT
cjfa-20691	286	18	.	.	PUNCT
cjfa-20691	287	1	computer	computer	NOUN
cjfa-20691	287	2	law	law	PROPN
cjfa-20691	287	3	&	&	CCONJ
cjfa-20691	287	4	security	security	PROPN
cjfa-20691	287	5	review	review	PROPN
cjfa-20691	287	6	,	,	PUNCT
cjfa-20691	287	7	34(4	34(4	NUM
cjfa-20691	287	8	)	)	PUNCT
cjfa-20691	287	9	,	,	PUNCT
cjfa-20691	287	10	954–964	954–964	NUM
cjfa-20691	287	11	.	.	PUNCT
cjfa-20691	288	1	https://dx.doi.org/10.1016/j.clsr.2018.05.008	https://dx.doi.org/10.1016/j.clsr.2018.05.008	NOUN
cjfa-20691	288	2	.	.	PUNCT
cjfa-20691	289	1	polish	polish	PROPN
cjfa-20691	289	2	bank	bank	PROPN
cjfa-20691	289	3	association	association	PROPN
cjfa-20691	289	4	.	.	PUNCT
cjfa-20691	290	1	netb@nk	netb@nk	PROPN
cjfa-20691	290	2	reports	report	VERB
cjfa-20691	290	3	,	,	PUNCT
cjfa-20691	290	4	https://zbp.pl/raporty/raport-netb-nk	https://zbp.pl/raporty/raport-netb-nk	NOUN
cjfa-20691	290	5	(	(	PUNCT
cjfa-20691	290	6	accessed	access	VERB
cjfa-20691	290	7	:	:	PUNCT
cjfa-20691	290	8	20.05.2019	20.05.2019	NUM
cjfa-20691	290	9	)	)	PUNCT
cjfa-20691	290	10	.	.	PUNCT
cjfa-20691	291	1	świecka	świecka	PROPN
cjfa-20691	291	2	,	,	PUNCT
cjfa-20691	291	3	b.	b.	PROPN
cjfa-20691	291	4	(	(	PUNCT
cjfa-20691	291	5	2015	2015	NUM
cjfa-20691	291	6	)	)	PUNCT
cjfa-20691	291	7	.	.	PUNCT
cjfa-20691	292	1	płatności	płatności	PROPN
cjfa-20691	292	2	mobilne	mobilne	PROPN
cjfa-20691	292	3	jako	jako	PROPN
cjfa-20691	292	4	innowacje	innowacje	PROPN
cjfa-20691	292	5	na	na	PROPN
cjfa-20691	292	6	rynku	rynku	ADJ
cjfa-20691	292	7	detalicznych	detalicznych	NOUN
cjfa-20691	292	8	płatności	płatności	NOUN
cjfa-20691	292	9	bezgotówkowych	bezgotówkowych	NOUN
cjfa-20691	292	10	.	.	PUNCT
cjfa-20691	293	1	(	(	PUNCT
cjfa-20691	293	2	mobile	mobile	ADJ
cjfa-20691	293	3	payments	payment	NOUN
cjfa-20691	293	4	as	as	ADP
cjfa-20691	293	5	innovations	innovation	NOUN
cjfa-20691	293	6	on	on	ADP
cjfa-20691	293	7	the	the	DET
cjfa-20691	293	8	retail	retail	ADJ
cjfa-20691	293	9	cashless	cashless	NOUN
cjfa-20691	293	10	payments	payment	NOUN
cjfa-20691	293	11	market	market	NOUN
cjfa-20691	293	12	.	.	PUNCT
cjfa-20691	293	13	)	)	PUNCT
cjfa-20691	294	1	problemy	problemy	PROPN
cjfa-20691	294	2	zarządzania	zarządzania	PROPN
cjfa-20691	294	3	,	,	PUNCT
cjfa-20691	294	4	(	(	PUNCT
cjfa-20691	294	5	management	management	NOUN
cjfa-20691	294	6	problems	problem	NOUN
cjfa-20691	294	7	.	.	PUNCT
cjfa-20691	294	8	)	)	PUNCT
cjfa-20691	295	1	3(54	3(54	NUM
cjfa-20691	295	2	)	)	PUNCT
cjfa-20691	295	3	,	,	PUNCT
cjfa-20691	295	4	29–40	29–40	NUM
cjfa-20691	295	5	.	.	PUNCT
cjfa-20691	296	1	http://dx.doi.org/10.7172/1644-9584.54.2	http://dx.doi.org/10.7172/1644-9584.54.2	NOUN
cjfa-20691	296	2	.	.	PUNCT
cjfa-20691	297	1	wojtacka	wojtacka	NOUN
cjfa-20691	297	2	-	-	PUNCT
cjfa-20691	297	3	pawlak	pawlak	ADJ
cjfa-20691	297	4	,	,	PUNCT
cjfa-20691	297	5	k.	k.	PROPN
cjfa-20691	297	6	(	(	PUNCT
cjfa-20691	297	7	2015	2015	NUM
cjfa-20691	297	8	)	)	PUNCT
cjfa-20691	297	9	.	.	PUNCT
cjfa-20691	298	1	ewolucja	ewolucja	PROPN
cjfa-20691	298	2	bankowości	bankowości	PROPN
cjfa-20691	298	3	internetowej	internetowej	PROPN
cjfa-20691	298	4	w	w	PROPN
cjfa-20691	298	5	polsce	polsce	PROPN
cjfa-20691	298	6	w	w	PROPN
cjfa-20691	298	7	ujęciu	ujęciu	PROPN
cjfa-20691	298	8	czteroetapowym	czteroetapowym	PROPN
cjfa-20691	298	9	.	.	PUNCT
cjfa-20691	299	1	(	(	PUNCT
cjfa-20691	299	2	the	the	DET
cjfa-20691	299	3	evolution	evolution	NOUN
cjfa-20691	299	4	of	of	ADP
cjfa-20691	299	5	online	online	ADJ
cjfa-20691	299	6	banking	banking	NOUN
cjfa-20691	299	7	in	in	ADP
cjfa-20691	299	8	poland	poland	PROPN
cjfa-20691	299	9	in	in	ADP
cjfa-20691	299	10	four	four	NUM
cjfa-20691	299	11	stages	stage	NOUN
cjfa-20691	299	12	.	.	PUNCT
cjfa-20691	299	13	)	)	PUNCT
cjfa-20691	300	1	zeszyty	zeszyty	VERB
cjfa-20691	300	2	naukowe	naukowe	NOUN
cjfa-20691	300	3	uniwersytetu	uniwersytetu	NOUN
cjfa-20691	300	4	ekonomicznego	ekonomicznego	PROPN
cjfa-20691	300	5	w	w	PROPN
cjfa-20691	300	6	katowicach	katowicach	PROPN
cjfa-20691	300	7	,	,	PUNCT
cjfa-20691	300	8	(	(	PUNCT
cjfa-20691	300	9	scientific	scientific	ADJ
cjfa-20691	300	10	papers	paper	NOUN
cjfa-20691	300	11	of	of	ADP
cjfa-20691	300	12	the	the	DET
cjfa-20691	300	13	university	university	NOUN
cjfa-20691	300	14	in	in	ADP
cjfa-20691	300	15	economics	economic	NOUN
cjfa-20691	300	16	in	in	ADP
cjfa-20691	300	17	katowice	katowice	PROPN
cjfa-20691	300	18	.	.	PUNCT
cjfa-20691	300	19	)	)	PUNCT
cjfa-20691	301	1	239	239	NUM
cjfa-20691	301	2	,	,	PUNCT
cjfa-20691	301	3	153–161	153–161	NUM
cjfa-20691	301	4	.	.	PUNCT
cjfa-20691	302	1	wolna	wolna	PROPN
cjfa-20691	302	2	,	,	PUNCT
cjfa-20691	302	3	j.	j.	PROPN
cjfa-20691	302	4	(	(	PUNCT
cjfa-20691	302	5	2015	2015	NUM
cjfa-20691	302	6	)	)	PUNCT
cjfa-20691	302	7	.	.	PUNCT
cjfa-20691	303	1	rozwój	rozwój	PROPN
cjfa-20691	303	2	systemów	systemów	PROPN
cjfa-20691	303	3	płatności	płatności	PROPN
cjfa-20691	303	4	mobilnych	mobilnych	PROPN
cjfa-20691	303	5	w	w	PROPN
cjfa-20691	303	6	polsce	polsce	NOUN
cjfa-20691	303	7	.	.	PUNCT
cjfa-20691	304	1	(	(	PUNCT
cjfa-20691	304	2	the	the	DET
cjfa-20691	304	3	development	development	NOUN
cjfa-20691	304	4	of	of	ADP
cjfa-20691	304	5	mobile	mobile	ADJ
cjfa-20691	304	6	payments	payment	NOUN
cjfa-20691	304	7	systems	system	NOUN
cjfa-20691	304	8	in	in	ADP
cjfa-20691	304	9	poland	poland	PROPN
cjfa-20691	304	10	.	.	PUNCT
cjfa-20691	304	11	)	)	PUNCT
cjfa-20691	305	1	zeszyty	zeszyty	VERB
cjfa-20691	305	2	naukowe	naukowe	NOUN
cjfa-20691	305	3	uniwersytetu	uniwersytetu	NOUN
cjfa-20691	305	4	ekonomicznego	ekonomicznego	PROPN
cjfa-20691	305	5	w	w	PROPN
cjfa-20691	305	6	katowicach	katowicach	PROPN
cjfa-20691	305	7	,	,	PUNCT
cjfa-20691	305	8	(	(	PUNCT
cjfa-20691	305	9	scientific	scientific	ADJ
cjfa-20691	305	10	papers	paper	NOUN
cjfa-20691	305	11	of	of	ADP
cjfa-20691	305	12	the	the	DET
cjfa-20691	305	13	university	university	NOUN
cjfa-20691	305	14	in	in	ADP
cjfa-20691	305	15	economics	economic	NOUN
cjfa-20691	305	16	in	in	ADP
cjfa-20691	305	17	katowice	katowice	PROPN
cjfa-20691	305	18	.	.	PUNCT
cjfa-20691	305	19	)	)	PUNCT
cjfa-20691	306	1	239	239	NUM
cjfa-20691	306	2	,	,	PUNCT
cjfa-20691	306	3	162–180	162–180	NUM
cjfa-20691	306	4	.	.	PUNCT
cjfa-20691	307	1	zakonnik	zakonnik	PROPN
cjfa-20691	307	2	,	,	PUNCT
cjfa-20691	307	3	ł	ł	PROPN
cjfa-20691	307	4	.	.	PROPN
cjfa-20691	307	5	,	,	PUNCT
cjfa-20691	307	6	&	&	CCONJ
cjfa-20691	307	7	dembowski	dembowski	PROPN
cjfa-20691	307	8	,	,	PUNCT
cjfa-20691	307	9	p.	p.	NOUN
cjfa-20691	307	10	(	(	PUNCT
cjfa-20691	307	11	2018	2018	NUM
cjfa-20691	307	12	)	)	PUNCT
cjfa-20691	307	13	.	.	PUNCT
cjfa-20691	308	1	bezpieczeństwo	bezpieczeństwo	PROPN
cjfa-20691	308	2	bankowości	bankowości	PROPN
cjfa-20691	308	3	internetowej	internetowej	PROPN
cjfa-20691	308	4	w	w	NOUN
cjfa-20691	308	5	polsce	polsce	NOUN
cjfa-20691	308	6	na	na	INTJ
cjfa-20691	308	7	przestrzeni	przestrzeni	ADJ
cjfa-20691	308	8	lat	lat	PROPN
cjfa-20691	308	9	2002–2017	2002–2017	NUM
cjfa-20691	308	10	–	–	PUNCT
cjfa-20691	308	11	przegląd	przegląd	PROPN
cjfa-20691	308	12	rozwiązań	rozwiązań	PROPN
cjfa-20691	308	13	oferowanych	oferowanych	PROPN
cjfa-20691	308	14	klientom	klientom	PROPN
cjfa-20691	308	15	indywidualnym	indywidualnym	ADV
cjfa-20691	308	16	.	.	PUNCT
cjfa-20691	309	1	(	(	PUNCT
cjfa-20691	309	2	internet	internet	NOUN
cjfa-20691	309	3	banking	banking	NOUN
cjfa-20691	309	4	security	security	NOUN
cjfa-20691	309	5	in	in	ADP
cjfa-20691	309	6	poland	poland	PROPN
cjfa-20691	309	7	in	in	ADP
cjfa-20691	309	8	the	the	DET
cjfa-20691	309	9	last	last	ADJ
cjfa-20691	309	10	15	15	NUM
cjfa-20691	309	11	years	year	NOUN
cjfa-20691	309	12	–	–	PUNCT
cjfa-20691	309	13	a	a	DET
cjfa-20691	309	14	review	review	NOUN
cjfa-20691	309	15	of	of	ADP
cjfa-20691	309	16	the	the	DET
cjfa-20691	309	17	solutions	solution	NOUN
cjfa-20691	309	18	offered	offer	VERB
cjfa-20691	309	19	to	to	ADP
cjfa-20691	309	20	individual	individual	ADJ
cjfa-20691	309	21	clients	client	NOUN
cjfa-20691	309	22	.	.	PUNCT
cjfa-20691	309	23	)	)	PUNCT
cjfa-20691	310	1	zeszyty	zeszyty	VERB
cjfa-20691	310	2	naukowe	naukowe	NOUN
cjfa-20691	310	3	uniwersytetu	uniwersytetu	NOUN
cjfa-20691	310	4	ekonomicznego	ekonomicznego	PROPN
cjfa-20691	310	5	w	w	PROPN
cjfa-20691	310	6	katowicach	katowicach	PROPN
cjfa-20691	310	7	,	,	PUNCT
cjfa-20691	310	8	(	(	PUNCT
cjfa-20691	310	9	scientific	scientific	ADJ
cjfa-20691	310	10	papers	paper	NOUN
cjfa-20691	310	11	of	of	ADP
cjfa-20691	310	12	the	the	DET
cjfa-20691	310	13	university	university	NOUN
cjfa-20691	310	14	in	in	ADP
cjfa-20691	310	15	economics	economic	NOUN
cjfa-20691	310	16	in	in	ADP
cjfa-20691	310	17	katowice	katowice	PROPN
cjfa-20691	310	18	.	.	PUNCT
cjfa-20691	310	19	)	)	PUNCT
cjfa-20691	311	1	355	355	NUM
cjfa-20691	311	2	,	,	PUNCT
cjfa-20691	311	3	104–116	104–116	NUM
cjfa-20691	311	4	.	.	PUNCT
cjfa-20691	312	1	zarańska	zarańska	PROPN
cjfa-20691	312	2	,	,	PUNCT
cjfa-20691	312	3	k.	k.	PROPN
cjfa-20691	312	4	,	,	PUNCT
cjfa-20691	312	5	&	&	CCONJ
cjfa-20691	312	6	zborowski	zborowski	PROPN
cjfa-20691	312	7	,	,	PUNCT
cjfa-20691	312	8	m.	m.	NOUN
cjfa-20691	312	9	(	(	PUNCT
cjfa-20691	312	10	2018	2018	NUM
cjfa-20691	312	11	)	)	PUNCT
cjfa-20691	312	12	.	.	PUNCT
cjfa-20691	313	1	charakterystyka	charakterystyka	PROPN
cjfa-20691	313	2	bankowości	bankowości	PROPN
cjfa-20691	313	3	elektronicznej	elektronicznej	PROPN
cjfa-20691	313	4	.	.	PUNCT
cjfa-20691	314	1	(	(	PUNCT
cjfa-20691	314	2	characteristics	characteristic	NOUN
cjfa-20691	314	3	of	of	ADP
cjfa-20691	314	4	electronic	electronic	ADJ
cjfa-20691	314	5	banking	banking	NOUN
cjfa-20691	314	6	.	.	PUNCT
cjfa-20691	314	7	)	)	PUNCT
cjfa-20691	315	1	in	in	ADP
cjfa-20691	315	2	a.	a.	NOUN
cjfa-20691	315	3	gospodarowicz	gospodarowicz	NOUN
cjfa-20691	315	4	(	(	PUNCT
cjfa-20691	315	5	ed	ed	NOUN
cjfa-20691	315	6	.	.	PUNCT
cjfa-20691	315	7	)	)	PUNCT
cjfa-20691	315	8	.	.	PUNCT
cjfa-20691	316	1	bankowość	bankowość	PROPN
cjfa-20691	316	2	elektroniczna	elektroniczna	PROPN
cjfa-20691	316	3	.	.	PUNCT
cjfa-20691	317	1	istota	istota	PROPN
cjfa-20691	317	2	i	i	PRON
cjfa-20691	317	3	innowacje	innowacje	VERB
cjfa-20691	317	4	.	.	PUNCT
cjfa-20691	318	1	(	(	PUNCT
cjfa-20691	318	2	electronic	electronic	ADJ
cjfa-20691	318	3	banking	banking	NOUN
cjfa-20691	318	4	.	.	PUNCT
cjfa-20691	319	1	essence	essence	NOUN
cjfa-20691	319	2	and	and	CCONJ
cjfa-20691	319	3	innovations	innovation	NOUN
cjfa-20691	319	4	.	.	PUNCT
cjfa-20691	319	5	)	)	PUNCT
cjfa-20691	320	1	warszawa	warszawa	PROPN
cjfa-20691	320	2	:	:	PUNCT
cjfa-20691	320	3	c.h	c.h	PROPN
cjfa-20691	320	4	.	.	PROPN
cjfa-20691	320	5	beck	beck	PROPN
cjfa-20691	320	6	.	.	PUNCT
cjfa-20691	321	1	(	(	PUNCT
cjfa-20691	321	2	www1	www1	PROPN
cjfa-20691	321	3	)	)	PUNCT
cjfa-20691	321	4	historia	historia	PROPN
cjfa-20691	321	5	bankowości	bankowości	PROPN
cjfa-20691	321	6	mobilnej	mobilnej	PROPN
cjfa-20691	321	7	w	w	PROPN
cjfa-20691	321	8	polsce	polsce	PROPN
cjfa-20691	321	9	,	,	PUNCT
cjfa-20691	321	10	(	(	PUNCT
cjfa-20691	321	11	history	history	NOUN
cjfa-20691	321	12	of	of	ADP
cjfa-20691	321	13	mobile	mobile	ADJ
cjfa-20691	321	14	banking	banking	NOUN
cjfa-20691	321	15	in	in	ADP
cjfa-20691	321	16	poland	poland	PROPN
cjfa-20691	321	17	.	.	PUNCT
cjfa-20691	321	18	)	)	PUNCT
cjfa-20691	322	1	https://www.bankier.pl/wiadomosc/historia-bankowosci-mobilnej-w-polsce-7284816.html	https://www.bankier.pl/wiadomosc/historia-bankowosci-mobilnej-w-polsce-7284816.html	X
cjfa-20691	322	2	(	(	PUNCT
cjfa-20691	322	3	accessed	access	VERB
cjfa-20691	322	4	:	:	PUNCT
cjfa-20691	322	5	19.05.2019	19.05.2019	NUM
cjfa-20691	322	6	)	)	PUNCT
cjfa-20691	322	7	.	.	PUNCT
cjfa-20691	323	1	(	(	PUNCT
cjfa-20691	323	2	www2	www2	PROPN
cjfa-20691	323	3	)	)	PUNCT
cjfa-20691	323	4	jak	jak	PROPN
cjfa-20691	323	5	powstały	powstały	PROPN
cjfa-20691	323	6	płatności	płatności	PROPN
cjfa-20691	323	7	hce	hce	PROPN
cjfa-20691	323	8	.	.	PUNCT
cjfa-20691	324	1	oto	oto	PROPN
cjfa-20691	324	2	krótka	krótka	PROPN
cjfa-20691	324	3	historia	historia	PROPN
cjfa-20691	324	4	wynalazku	wynalazku	PROPN
cjfa-20691	324	5	,	,	PUNCT
cjfa-20691	324	6	który	który	PROPN
cjfa-20691	324	7	ma	ma	PROPN
cjfa-20691	324	8	szansę	szansę	PROPN
cjfa-20691	324	9	odesłać	odesłać	PROPN
cjfa-20691	324	10	plastikową	plastikową	PROPN
cjfa-20691	324	11	kartę	kartę	X
cjfa-20691	324	12	do	do	AUX
cjfa-20691	324	13	lamusa	lamusa	VERB
cjfa-20691	324	14	,	,	PUNCT
cjfa-20691	324	15	(	(	PUNCT
cjfa-20691	324	16	how	how	SCONJ
cjfa-20691	324	17	hce	hce	PROPN
cjfa-20691	324	18	payments	payment	NOUN
cjfa-20691	324	19	were	be	AUX
cjfa-20691	324	20	developed	develop	VERB
cjfa-20691	324	21	.	.	PUNCT
cjfa-20691	325	1	a	a	DET
cjfa-20691	325	2	brief	brief	ADJ
cjfa-20691	325	3	history	history	NOUN
cjfa-20691	325	4	of	of	ADP
cjfa-20691	325	5	the	the	DET
cjfa-20691	325	6	invention	invention	NOUN
cjfa-20691	325	7	,	,	PUNCT
cjfa-20691	325	8	which	which	PRON
cjfa-20691	325	9	has	have	VERB
cjfa-20691	325	10	a	a	DET
cjfa-20691	325	11	chance	chance	NOUN
cjfa-20691	325	12	to	to	PART
cjfa-20691	325	13	send	send	VERB
cjfa-20691	325	14	the	the	DET
cjfa-20691	325	15	plastic	plastic	ADJ
cjfa-20691	325	16	card	card	NOUN
cjfa-20691	325	17	to	to	ADP
cjfa-20691	325	18	the	the	DET
cjfa-20691	325	19	past	past	NOUN
cjfa-20691	325	20	.	.	PUNCT
cjfa-20691	325	21	)	)	PUNCT
cjfa-20691	326	1	https://www.cashless.pl/4194-jak-powstaly-platnosci-hce-oto-krotkahistoria-wynalazku-ktory-ma-szanse-odeslac-plastikowa-karte-do-lamusa	https://www.cashless.pl/4194-jak-powstaly-platnosci-hce-oto-krotkahistoria-wynalazku-ktory-ma-szanse-odeslac-plastikowa-karte-do-lamusa	NOUN
cjfa-20691	326	2	(	(	PUNCT
cjfa-20691	326	3	accessed	access	VERB
cjfa-20691	326	4	:	:	PUNCT
cjfa-20691	326	5	19.05.2019	19.05.2019	NUM
cjfa-20691	326	6	)	)	PUNCT
cjfa-20691	326	7	.	.	PUNCT
cjfa-20691	327	1	(	(	PUNCT
cjfa-20691	327	2	www3	www3	PROPN
cjfa-20691	327	3	)	)	PUNCT
cjfa-20691	327	4	iko	iko	PROPN
cjfa-20691	327	5	najlepszą	najlepszą	PROPN
cjfa-20691	327	6	mobilną	mobilną	PROPN
cjfa-20691	327	7	aplikacją	aplikacją	NOUN
cjfa-20691	327	8	na	na	AUX
cjfa-20691	327	9	świecie	świecie	ADJ
cjfa-20691	327	10	.	.	PUNCT
cjfa-20691	328	1	sukces	sukce	NOUN
cjfa-20691	328	2	pko	pko	PROPN
cjfa-20691	328	3	banku	banku	PROPN
cjfa-20691	328	4	polskiego	polskiego	PROPN
cjfa-20691	328	5	,	,	PUNCT
cjfa-20691	328	6	(	(	PUNCT
cjfa-20691	328	7	iko	iko	PROPN
cjfa-20691	328	8	is	be	AUX
cjfa-20691	328	9	the	the	DET
cjfa-20691	328	10	best	good	ADJ
cjfa-20691	328	11	mobile	mobile	ADJ
cjfa-20691	328	12	application	application	NOUN
cjfa-20691	328	13	in	in	ADP
cjfa-20691	328	14	the	the	DET
cjfa-20691	328	15	world	world	NOUN
cjfa-20691	328	16	.	.	PUNCT
cjfa-20691	329	1	the	the	DET
cjfa-20691	329	2	success	success	NOUN
cjfa-20691	329	3	of	of	ADP
cjfa-20691	329	4	pko	pko	PROPN
cjfa-20691	329	5	bank	bank	PROPN
cjfa-20691	329	6	polski	polski	PROPN
cjfa-20691	329	7	.	.	PUNCT
cjfa-20691	329	8	)	)	PUNCT
cjfa-20691	330	1	https://	https://	NOUN
cjfa-20691	330	2	www.money.pl/gospodarka/iko-najlepsza-mobilna-aplikacja-na-swiecie-sukcespko-banku-polskiego-6348711245523073a.html	www.money.pl/gospodarka/iko-najlepsza-mobilna-aplikacja-na-swiecie-sukcespko-banku-polskiego-6348711245523073a.html	PRON
cjfa-20691	330	3	(	(	PUNCT
cjfa-20691	330	4	accessed	access	VERB
cjfa-20691	330	5	:	:	PUNCT
cjfa-20691	330	6	21.05.2019	21.05.2019	NUM
cjfa-20691	330	7	)	)	PUNCT
cjfa-20691	330	8	.	.	PUNCT
cjfa-20691	331	1	the	the	DET
cjfa-20691	331	2	usage	usage	NOUN
cjfa-20691	331	3	of	of	ADP
cjfa-20691	331	4	mobile	mobile	ADJ
cjfa-20691	331	5	banking	banking	NOUN
cjfa-20691	331	6	applications	application	NOUN
cjfa-20691	331	7	in	in	ADP
cjfa-20691	331	8	poland	poland	PROPN
cjfa-20691	331	9	…	…	PUNCT
cjfa-20691	331	10	25	25	NUM
cjfa-20691	331	11	(	(	PUNCT
cjfa-20691	331	12	www4	www4	PROPN
cjfa-20691	331	13	)	)	PUNCT
cjfa-20691	331	14	mobile	mobile	NOUN
cjfa-20691	331	15	banking	banking	NOUN
cjfa-20691	331	16	reports	report	NOUN
cjfa-20691	331	17	,	,	PUNCT
cjfa-20691	331	18	https://prnews.pl/raporty/bankowosc-mobilna	https://prnews.pl/raporty/bankowosc-mobilna	PROPN
cjfa-20691	331	19	(	(	PUNCT
cjfa-20691	331	20	accessed	access	VERB
cjfa-20691	331	21	:	:	PUNCT
cjfa-20691	331	22	20.05.2019	20.05.2019	NUM
cjfa-20691	331	23	)	)	PUNCT
cjfa-20691	331	24	.	.	PUNCT
cjfa-20691	332	1	(	(	PUNCT
cjfa-20691	332	2	www5	www5	PROPN
cjfa-20691	332	3	)	)	PUNCT
cjfa-20691	332	4	sim	sim	NOUN
cjfa-20691	332	5	toolkit	toolkit	NOUN
cjfa-20691	332	6	,	,	PUNCT
cjfa-20691	332	7	czyli	czyli	PROPN
cjfa-20691	332	8	bank	bank	PROPN
cjfa-20691	332	9	w	w	PROPN
cjfa-20691	332	10	komórce	komórce	PROPN
cjfa-20691	332	11	,	,	PUNCT
cjfa-20691	332	12	(	(	PUNCT
cjfa-20691	332	13	sim	sim	NOUN
cjfa-20691	332	14	toolkit	toolkit	NOUN
cjfa-20691	332	15	,	,	PUNCT
cjfa-20691	332	16	in	in	ADP
cjfa-20691	332	17	other	other	ADJ
cjfa-20691	332	18	words	word	NOUN
cjfa-20691	332	19	a	a	DET
cjfa-20691	332	20	bank	bank	NOUN
cjfa-20691	332	21	in	in	ADP
cjfa-20691	332	22	a	a	DET
cjfa-20691	332	23	cellphone	cellphone	NOUN
cjfa-20691	332	24	.	.	PUNCT
cjfa-20691	332	25	)	)	PUNCT
cjfa-20691	333	1	https://prnews.pl/sim-toolkit-czyli-bank-w-komorce-71805	https://prnews.pl/sim-toolkit-czyli-bank-w-komorce-71805	X
cjfa-20691	333	2	(	(	PUNCT
cjfa-20691	333	3	accessed	access	VERB
cjfa-20691	333	4	:	:	PUNCT
cjfa-20691	333	5	20.05.2019	20.05.2019	NUM
cjfa-20691	333	6	)	)	PUNCT
cjfa-20691	333	7	.	.	PUNCT