id	sid	tid	token	lemma	pos
cjfa-34392	1	1	date	date	NOUN
cjfa-34392	1	2	of	of	ADP
cjfa-34392	1	3	submission	submission	NOUN
cjfa-34392	1	4	:	:	PUNCT
cjfa-34392	1	5	december	december	PROPN
cjfa-34392	1	6	21	21	NUM
cjfa-34392	1	7	,	,	PUNCT
cjfa-34392	1	8	2020	2020	NUM
cjfa-34392	1	9	;	;	PUNCT
cjfa-34392	1	10	date	date	NOUN
cjfa-34392	1	11	of	of	ADP
cjfa-34392	1	12	acceptance	acceptance	NOUN
cjfa-34392	1	13	:	:	PUNCT
cjfa-34392	1	14	march	march	PROPN
cjfa-34392	1	15	3	3	NUM
cjfa-34392	1	16	,	,	PUNCT
cjfa-34392	1	17	2021	2021	NUM
cjfa-34392	1	18	.	.	PUNCT
cjfa-34392	2	1	*	*	PUNCT
cjfa-34392	2	2	contact	contact	NOUN
cjfa-34392	2	3	information	information	NOUN
cjfa-34392	2	4	:	:	PUNCT
cjfa-34392	2	5	nasima@ewubd.edu	nasima@ewubd.edu	PROPN
cjfa-34392	2	6	,	,	PUNCT
cjfa-34392	2	7	department	department	NOUN
cjfa-34392	2	8	of	of	ADP
cjfa-34392	2	9	business	business	PROPN
cjfa-34392	2	10	administration	administration	PROPN
cjfa-34392	2	11	,	,	PUNCT
cjfa-34392	2	12	east	east	PROPN
cjfa-34392	2	13	west	west	PROPN
cjfa-34392	2	14	university	university	PROPN
cjfa-34392	2	15	,	,	PUNCT
cjfa-34392	2	16	dhaka	dhaka	PROPN
cjfa-34392	2	17	,	,	PUNCT
cjfa-34392	2	18	bangladesh	bangladesh	PROPN
cjfa-34392	2	19	,	,	PUNCT
cjfa-34392	2	20	phone	phone	NOUN
cjfa-34392	2	21	:	:	PUNCT
cjfa-34392	2	22	+880	+880	NUM
cjfa-34392	2	23	-	-	PUNCT
cjfa-34392	2	24	2	2	NUM
cjfa-34392	2	25	-	-	PUNCT
cjfa-34392	2	26	09666775577	09666775577	NUM
cjfa-34392	2	27	ext	ext	NOUN
cjfa-34392	2	28	:	:	PUNCT
cjfa-34392	2	29	184	184	NUM
cjfa-34392	2	30	;	;	PUNCT
cjfa-34392	2	31	orcid	orcid	PROPN
cjfa-34392	3	1	i	i	NOUN
cjfa-34392	3	2	d	d	NOUN
cjfa-34392	3	3	:	:	PUNCT
cjfa-34392	3	4	https://orcid.org/0000-0002-8418-6783	https://orcid.org/0000-0002-8418-6783	NOUN
cjfa-34392	3	5	.	.	PUNCT
cjfa-34392	4	1	*	*	PUNCT
cjfa-34392	4	2	*	*	PUNCT
cjfa-34392	4	3	contact	contact	NOUN
cjfa-34392	4	4	information	information	NOUN
cjfa-34392	4	5	:	:	PUNCT
cjfa-34392	5	1	marziamis@ewubd.edu	marziamis@ewubd.edu	PROPN
cjfa-34392	5	2	,	,	PUNCT
cjfa-34392	5	3	department	department	NOUN
cjfa-34392	5	4	of	of	ADP
cjfa-34392	5	5	business	business	PROPN
cjfa-34392	5	6	administration	administration	PROPN
cjfa-34392	5	7	,	,	PUNCT
cjfa-34392	5	8	east	east	PROPN
cjfa-34392	5	9	west	west	PROPN
cjfa-34392	5	10	university	university	PROPN
cjfa-34392	5	11	,	,	PUNCT
cjfa-34392	5	12	dhaka	dhaka	PROPN
cjfa-34392	5	13	,	,	PUNCT
cjfa-34392	5	14	bangladesh	bangladesh	PROPN
cjfa-34392	5	15	,	,	PUNCT
cjfa-34392	5	16	phone	phone	NOUN
cjfa-34392	5	17	:	:	PUNCT
cjfa-34392	5	18	+880	+880	NUM
cjfa-34392	5	19	-	-	PUNCT
cjfa-34392	5	20	2	2	NUM
cjfa-34392	5	21	-	-	PUNCT
cjfa-34392	5	22	09666775577	09666775577	NUM
cjfa-34392	5	23	ext	ext	NOUN
cjfa-34392	5	24	:	:	PUNCT
cjfa-34392	5	25	290	290	NUM
cjfa-34392	5	26	;	;	PUNCT
cjfa-34392	5	27	orcid	orcid	NOUN
cjfa-34392	6	1	i	i	NOUN
cjfa-34392	6	2	d	d	NOUN
cjfa-34392	6	3	:	:	PUNCT
cjfa-34392	6	4	https://orcid.org/0000-0001-5989-0640	https://orcid.org/0000-0001-5989-0640	VERB
cjfa-34392	6	5	.	.	PUNCT
cjfa-34392	6	6	copernican	copernican	PROPN
cjfa-34392	6	7	journal	journal	PROPN
cjfa-34392	6	8	of	of	ADP
cjfa-34392	6	9	finance	finance	PROPN
cjfa-34392	6	10	&	&	CCONJ
cjfa-34392	6	11	accounting	accounting	PROPN
cjfa-34392	6	12	e	e	PROPN
cjfa-34392	6	13	-	-	PROPN
cjfa-34392	6	14	issn	issn	PROPN
cjfa-34392	6	15	2300	2300	NUM
cjfa-34392	6	16	-	-	SYM
cjfa-34392	6	17	3065	3065	NUM
cjfa-34392	6	18	p	p	PROPN
cjfa-34392	6	19	-	-	PUNCT
cjfa-34392	6	20	issn	issn	PROPN
cjfa-34392	6	21	2300	2300	NUM
cjfa-34392	6	22	-	-	SYM
cjfa-34392	6	23	12402020	12402020	NUM
cjfa-34392	6	24	,	,	PUNCT
cjfa-34392	6	25	volume	volume	NOUN
cjfa-34392	6	26	9	9	NUM
cjfa-34392	6	27	,	,	PUNCT
cjfa-34392	6	28	issue	issue	VERB
cjfa-34392	6	29	4	4	NUM
cjfa-34392	6	30	khatun	khatun	ADJ
cjfa-34392	6	31	,	,	PUNCT
cjfa-34392	6	32	n.	n.	NOUN
cjfa-34392	6	33	,	,	PUNCT
cjfa-34392	6	34	&	&	CCONJ
cjfa-34392	6	35	tamanna	tamanna	PROPN
cjfa-34392	6	36	,	,	PUNCT
cjfa-34392	6	37	m.	m.	NOUN
cjfa-34392	6	38	(	(	PUNCT
cjfa-34392	6	39	2020	2020	NUM
cjfa-34392	6	40	)	)	PUNCT
cjfa-34392	6	41	.	.	PUNCT
cjfa-34392	7	1	factors	factor	NOUN
cjfa-34392	7	2	affecting	affect	VERB
cjfa-34392	7	3	the	the	DET
cjfa-34392	7	4	adoption	adoption	NOUN
cjfa-34392	7	5	of	of	ADP
cjfa-34392	7	6	fintech	fintech	NOUN
cjfa-34392	7	7	:	:	PUNCT
cjfa-34392	7	8	a	a	DET
cjfa-34392	7	9	study	study	NOUN
cjfa-34392	7	10	based	base	VERB
cjfa-34392	7	11	on	on	ADP
cjfa-34392	7	12	the	the	DET
cjfa-34392	7	13	financial	financial	ADJ
cjfa-34392	7	14	institutions	institution	NOUN
cjfa-34392	7	15	in	in	ADP
cjfa-34392	7	16	bangladesh	bangladesh	PROPN
cjfa-34392	7	17	.	.	PUNCT
cjfa-34392	8	1	copernican	copernican	PROPN
cjfa-34392	8	2	journal	journal	PROPN
cjfa-34392	8	3	of	of	ADP
cjfa-34392	8	4	finance	finance	PROPN
cjfa-34392	8	5	&	&	CCONJ
cjfa-34392	8	6	accounting	accounting	PROPN
cjfa-34392	8	7	,	,	PUNCT
cjfa-34392	8	8	9(4	9(4	NUM
cjfa-34392	8	9	)	)	PUNCT
cjfa-34392	8	10	,	,	PUNCT
cjfa-34392	8	11	51–75	51–75	NUM
cjfa-34392	8	12	.	.	PUNCT
cjfa-34392	9	1	http://dx.doi.org/10.12775/cjfa.2020.021	http://dx.doi.org/10.12775/cjfa.2020.021	PROPN
cjfa-34392	9	2	nasima	nasima	PROPN
cjfa-34392	9	3	khatun	khatun	PROPN
cjfa-34392	9	4	*	*	PROPN
cjfa-34392	9	5	east	east	PROPN
cjfa-34392	9	6	west	west	PROPN
cjfa-34392	9	7	university	university	PROPN
cjfa-34392	9	8	marzia	marzia	PROPN
cjfa-34392	9	9	tamanna	tamanna	PROPN
cjfa-34392	9	10	*	*	PROPN
cjfa-34392	9	11	*	*	PROPN
cjfa-34392	9	12	east	east	PROPN
cjfa-34392	9	13	west	west	PROPN
cjfa-34392	9	14	university	university	PROPN
cjfa-34392	9	15	factors	factor	NOUN
cjfa-34392	9	16	affecting	affect	VERB
cjfa-34392	9	17	the	the	DET
cjfa-34392	9	18	adoption	adoption	NOUN
cjfa-34392	9	19	of	of	ADP
cjfa-34392	9	20	fintech	fintech	NOUN
cjfa-34392	9	21	:	:	PUNCT
cjfa-34392	9	22	a	a	DET
cjfa-34392	9	23	study	study	NOUN
cjfa-34392	9	24	based	base	VERB
cjfa-34392	9	25	on	on	ADP
cjfa-34392	9	26	the	the	DET
cjfa-34392	9	27	financial	financial	ADJ
cjfa-34392	9	28	institutions	institution	NOUN
cjfa-34392	9	29	in	in	ADP
cjfa-34392	9	30	bangladesh	bangladesh	NOUN
cjfa-34392	9	31	keywords	keyword	NOUN
cjfa-34392	9	32	:	:	PUNCT
cjfa-34392	9	33	fintech	fintech	NOUN
cjfa-34392	9	34	,	,	PUNCT
cjfa-34392	9	35	utaut	utaut	NOUN
cjfa-34392	9	36	,	,	PUNCT
cjfa-34392	9	37	sem	sem	PROPN
cjfa-34392	9	38	,	,	PUNCT
cjfa-34392	9	39	fis	fis	PROPN
cjfa-34392	9	40	,	,	PUNCT
cjfa-34392	9	41	bangladesh	bangladesh	PROPN
cjfa-34392	9	42	.	.	PUNCT
cjfa-34392	10	1	j	j	PROPN
cjfa-34392	10	2	e	e	PROPN
cjfa-34392	10	3	l	l	NOUN
cjfa-34392	10	4	classification	classification	NOUN
cjfa-34392	10	5	:	:	PUNCT
cjfa-34392	11	1	g2	g2	PROPN
cjfa-34392	11	2	,	,	PUNCT
cjfa-34392	11	3	g4	g4	NOUN
cjfa-34392	11	4	.	.	PUNCT
cjfa-34392	12	1	abstract	abstract	ADJ
cjfa-34392	12	2	:	:	PUNCT
cjfa-34392	12	3	financial	financial	ADJ
cjfa-34392	12	4	technology	technology	NOUN
cjfa-34392	12	5	(	(	PUNCT
cjfa-34392	12	6	fintech	fintech	NOUN
cjfa-34392	12	7	)	)	PUNCT
cjfa-34392	12	8	refers	refer	VERB
cjfa-34392	12	9	to	to	ADP
cjfa-34392	12	10	software	software	NOUN
cjfa-34392	12	11	and	and	CCONJ
cjfa-34392	12	12	other	other	ADJ
cjfa-34392	12	13	modern	modern	ADJ
cjfa-34392	12	14	technologies	technology	NOUN
cjfa-34392	12	15	to	to	PART
cjfa-34392	12	16	provide	provide	VERB
cjfa-34392	12	17	automated	automate	VERB
cjfa-34392	12	18	and	and	CCONJ
cjfa-34392	12	19	improved	improve	VERB
cjfa-34392	12	20	financial	financial	ADJ
cjfa-34392	12	21	services	service	NOUN
cjfa-34392	12	22	.	.	PUNCT
cjfa-34392	13	1	we	we	PRON
cjfa-34392	13	2	surveyed	survey	VERB
cjfa-34392	13	3	to	to	PART
cjfa-34392	13	4	examine	examine	VERB
cjfa-34392	13	5	the	the	DET
cjfa-34392	13	6	factors	factor	NOUN
cjfa-34392	13	7	influencing	influence	VERB
cjfa-34392	13	8	the	the	DET
cjfa-34392	13	9	adoption	adoption	NOUN
cjfa-34392	13	10	of	of	ADP
cjfa-34392	13	11	fintech	fintech	NOUN
cjfa-34392	13	12	in	in	ADP
cjfa-34392	13	13	the	the	DET
cjfa-34392	13	14	financial	financial	ADJ
cjfa-34392	13	15	institutions	institution	NOUN
cjfa-34392	13	16	of	of	ADP
cjfa-34392	13	17	bangladesh	bangladesh	NOUN
cjfa-34392	13	18	with	with	ADP
cjfa-34392	13	19	the	the	DET
cjfa-34392	13	20	help	help	NOUN
cjfa-34392	13	21	of	of	ADP
cjfa-34392	13	22	the	the	DET
cjfa-34392	13	23	unified	unified	ADJ
cjfa-34392	13	24	theory	theory	NOUN
cjfa-34392	13	25	of	of	ADP
cjfa-34392	13	26	acceptance	acceptance	NOUN
cjfa-34392	13	27	and	and	CCONJ
cjfa-34392	13	28	use	use	NOUN
cjfa-34392	13	29	of	of	ADP
cjfa-34392	13	30	technology	technology	NOUN
cjfa-34392	13	31	(	(	PUNCT
cjfa-34392	13	32	utaut	utaut	NOUN
cjfa-34392	13	33	)	)	PUNCT
cjfa-34392	13	34	model	model	NOUN
cjfa-34392	13	35	and	and	CCONJ
cjfa-34392	13	36	selected	select	VERB
cjfa-34392	13	37	eight	eight	NUM
cjfa-34392	13	38	influencing	influence	VERB
cjfa-34392	13	39	factors	factor	NOUN
cjfa-34392	13	40	.	.	PUNCT
cjfa-34392	14	1	before	before	ADP
cjfa-34392	14	2	collecting	collect	VERB
cjfa-34392	14	3	data	datum	NOUN
cjfa-34392	14	4	,	,	PUNCT
cjfa-34392	14	5	a	a	DET
cjfa-34392	14	6	well	well	ADV
cjfa-34392	14	7	-	-	PUNCT
cjfa-34392	14	8	structured	structure	VERB
cjfa-34392	14	9	face	face	NOUN
cjfa-34392	14	10	-	-	PUNCT
cjfa-34392	14	11	to	to	ADP
cjfa-34392	14	12	-	-	PUNCT
cjfa-34392	14	13	face	face	NOUN
cjfa-34392	14	14	survey	survey	NOUN
cjfa-34392	14	15	was	be	AUX
cjfa-34392	14	16	arranged	arrange	VERB
cjfa-34392	14	17	.	.	PUNCT
cjfa-34392	15	1	structural	structural	ADJ
cjfa-34392	15	2	equation	equation	NOUN
cjfa-34392	15	3	modeling	modeling	NOUN
cjfa-34392	15	4	(	(	PUNCT
cjfa-34392	15	5	sem	sem	NOUN
cjfa-34392	15	6	)	)	PUNCT
cjfa-34392	15	7	with	with	ADP
cjfa-34392	15	8	generalized	generalized	ADJ
cjfa-34392	15	9	least	least	ADJ
cjfa-34392	15	10	squares	square	NOUN
cjfa-34392	15	11	method	method	NOUN
cjfa-34392	15	12	has	have	AUX
cjfa-34392	15	13	been	be	AUX
cjfa-34392	15	14	used	use	VERB
cjfa-34392	15	15	to	to	PART
cjfa-34392	15	16	analyze	analyze	VERB
cjfa-34392	15	17	the	the	DET
cjfa-34392	15	18	primary	primary	ADJ
cjfa-34392	15	19	data	datum	NOUN
cjfa-34392	15	20	gathered	gather	VERB
cjfa-34392	15	21	from	from	ADP
cjfa-34392	15	22	265	265	NUM
cjfa-34392	15	23	employees	employee	NOUN
cjfa-34392	15	24	.	.	PUNCT
cjfa-34392	16	1	the	the	DET
cjfa-34392	16	2	results	result	NOUN
cjfa-34392	16	3	verified	verify	VERB
cjfa-34392	16	4	that	that	SCONJ
cjfa-34392	16	5	effort	effort	NOUN
cjfa-34392	16	6	expectancy	expectancy	NOUN
cjfa-34392	16	7	,	,	PUNCT
cjfa-34392	16	8	social	social	ADJ
cjfa-34392	16	9	influence	influence	NOUN
cjfa-34392	16	10	,	,	PUNCT
cjfa-34392	16	11	facilitating	facilitate	VERB
cjfa-34392	16	12	condition	condition	NOUN
cjfa-34392	16	13	,	,	PUNCT
cjfa-34392	16	14	perceived	perceive	VERB
cjfa-34392	16	15	reliability	reliability	NOUN
cjfa-34392	16	16	,	,	PUNCT
cjfa-34392	16	17	added	add	VERB
cjfa-34392	16	18	value	value	NOUN
cjfa-34392	16	19	positively	positively	ADV
cjfa-34392	16	20	influence	influence	VERB
cjfa-34392	16	21	the	the	DET
cjfa-34392	16	22	behavior	behavior	NOUN
cjfa-34392	16	23	intention	intention	NOUN
cjfa-34392	16	24	nasima	nasima	PROPN
cjfa-34392	16	25	khatun	khatun	PROPN
cjfa-34392	16	26	,	,	PUNCT
cjfa-34392	16	27	marzia	marzia	PROPN
cjfa-34392	16	28	tamanna52	tamanna52	NOUN
cjfa-34392	16	29	to	to	PART
cjfa-34392	16	30	adopt	adopt	VERB
cjfa-34392	16	31	fintech	fintech	NOUN
cjfa-34392	16	32	.	.	PUNCT
cjfa-34392	17	1	additionally	additionally	ADV
cjfa-34392	17	2	,	,	PUNCT
cjfa-34392	17	3	the	the	DET
cjfa-34392	17	4	age	age	NOUN
cjfa-34392	17	5	of	of	ADP
cjfa-34392	17	6	the	the	DET
cjfa-34392	17	7	respondents	respondent	NOUN
cjfa-34392	17	8	has	have	VERB
cjfa-34392	17	9	a	a	DET
cjfa-34392	17	10	significant	significant	ADJ
cjfa-34392	17	11	moderating	moderate	VERB
cjfa-34392	17	12	effect	effect	NOUN
cjfa-34392	17	13	on	on	ADP
cjfa-34392	17	14	almost	almost	ADV
cjfa-34392	17	15	all	all	DET
cjfa-34392	17	16	the	the	DET
cjfa-34392	17	17	factors	factor	NOUN
cjfa-34392	17	18	on	on	ADP
cjfa-34392	17	19	fintech	fintech	NOUN
cjfa-34392	17	20	adoption	adoption	NOUN
cjfa-34392	17	21	.	.	PUNCT
cjfa-34392	17	22	 	 	SPACE
cjfa-34392	18	1	introduction	introduction	NOUN
cjfa-34392	18	2	in	in	ADP
cjfa-34392	18	3	emergent	emergent	ADJ
cjfa-34392	18	4	countries	country	NOUN
cjfa-34392	18	5	like	like	ADP
cjfa-34392	18	6	bangladesh	bangladesh	NOUN
cjfa-34392	18	7	,	,	PUNCT
cjfa-34392	18	8	fintech	fintech	NOUN
cjfa-34392	18	9	is	be	AUX
cjfa-34392	18	10	poised	poise	VERB
cjfa-34392	18	11	to	to	PART
cjfa-34392	18	12	speed	speed	VERB
cjfa-34392	18	13	up	up	ADP
cjfa-34392	18	14	financial	financial	ADJ
cjfa-34392	18	15	inclusion	inclusion	NOUN
cjfa-34392	18	16	.	.	PUNCT
cjfa-34392	19	1	other	other	ADJ
cjfa-34392	19	2	such	such	ADJ
cjfa-34392	19	3	countries	country	NOUN
cjfa-34392	19	4	like	like	ADP
cjfa-34392	19	5	india	india	PROPN
cjfa-34392	19	6	have	have	AUX
cjfa-34392	19	7	already	already	ADV
cjfa-34392	19	8	embraced	embrace	VERB
cjfa-34392	19	9	many	many	ADJ
cjfa-34392	19	10	components	component	NOUN
cjfa-34392	19	11	of	of	ADP
cjfa-34392	19	12	fintech	fintech	NOUN
cjfa-34392	19	13	and	and	CCONJ
cjfa-34392	19	14	its	its	PRON
cjfa-34392	19	15	earning	earn	VERB
cjfa-34392	19	16	profits	profit	NOUN
cjfa-34392	19	17	(	(	PUNCT
cjfa-34392	19	18	sadrul	sadrul	NOUN
cjfa-34392	19	19	huda	huda	PROPN
cjfa-34392	19	20	,	,	PUNCT
cjfa-34392	19	21	kabir	kabir	PROPN
cjfa-34392	19	22	,	,	PUNCT
cjfa-34392	19	23	popy	popy	PROPN
cjfa-34392	19	24	&	&	CCONJ
cjfa-34392	19	25	saha	saha	PROPN
cjfa-34392	19	26	,	,	PUNCT
cjfa-34392	19	27	2020	2020	NUM
cjfa-34392	19	28	)	)	PUNCT
cjfa-34392	19	29	.	.	PUNCT
cjfa-34392	20	1	today	today	NOUN
cjfa-34392	20	2	,	,	PUNCT
cjfa-34392	20	3	more	more	ADJ
cjfa-34392	20	4	than	than	ADP
cjfa-34392	20	5	35	35	NUM
cjfa-34392	20	6	million	million	NUM
cjfa-34392	20	7	people	people	NOUN
cjfa-34392	20	8	in	in	ADP
cjfa-34392	20	9	bangladesh	bangladesh	NOUN
cjfa-34392	20	10	do	do	AUX
cjfa-34392	20	11	not	not	PART
cjfa-34392	20	12	have	have	VERB
cjfa-34392	20	13	a	a	DET
cjfa-34392	20	14	bank	bank	NOUN
cjfa-34392	20	15	account	account	NOUN
cjfa-34392	20	16	,	,	PUNCT
cjfa-34392	20	17	and	and	CCONJ
cjfa-34392	20	18	their	their	PRON
cjfa-34392	20	19	economic	economic	ADJ
cjfa-34392	20	20	activities	activity	NOUN
cjfa-34392	20	21	are	be	AUX
cjfa-34392	20	22	not	not	PART
cjfa-34392	20	23	part	part	NOUN
cjfa-34392	20	24	of	of	ADP
cjfa-34392	20	25	the	the	DET
cjfa-34392	20	26	country	country	NOUN
cjfa-34392	20	27	’s	’s	PART
cjfa-34392	20	28	formal	formal	ADJ
cjfa-34392	20	29	economy	economy	NOUN
cjfa-34392	20	30	.	.	PUNCT
cjfa-34392	21	1	the	the	DET
cjfa-34392	21	2	goal	goal	NOUN
cjfa-34392	21	3	of	of	ADP
cjfa-34392	21	4	fintech	fintech	NOUN
cjfa-34392	21	5	is	be	AUX
cjfa-34392	21	6	to	to	PART
cjfa-34392	21	7	improve	improve	VERB
cjfa-34392	21	8	the	the	DET
cjfa-34392	21	9	customer	customer	NOUN
cjfa-34392	21	10	’s	’s	PART
cjfa-34392	21	11	services	service	NOUN
cjfa-34392	21	12	and	and	CCONJ
cjfa-34392	21	13	financial	financial	ADJ
cjfa-34392	21	14	services	service	NOUN
cjfa-34392	21	15	more	more	ADV
cjfa-34392	21	16	efficiently	efficiently	ADV
cjfa-34392	21	17	(	(	PUNCT
cjfa-34392	21	18	chen	chen	PROPN
cjfa-34392	21	19	,	,	PUNCT
cjfa-34392	21	20	2016	2016	NUM
cjfa-34392	21	21	)	)	PUNCT
cjfa-34392	21	22	.	.	PUNCT
cjfa-34392	22	1	according	accord	VERB
cjfa-34392	22	2	to	to	ADP
cjfa-34392	22	3	(	(	PUNCT
cjfa-34392	22	4	zavolokina	zavolokina	PROPN
cjfa-34392	22	5	,	,	PUNCT
cjfa-34392	22	6	dolata	dolata	PROPN
cjfa-34392	22	7	&	&	CCONJ
cjfa-34392	22	8	schwabe	schwabe	NOUN
cjfa-34392	22	9	,	,	PUNCT
cjfa-34392	22	10	2016	2016	NUM
cjfa-34392	22	11	)	)	PUNCT
cjfa-34392	22	12	,	,	PUNCT
cjfa-34392	22	13	though	though	SCONJ
cjfa-34392	22	14	many	many	ADJ
cjfa-34392	22	15	generous	generous	ADJ
cjfa-34392	22	16	amounts	amount	NOUN
cjfa-34392	22	17	of	of	ADP
cjfa-34392	22	18	research	research	NOUN
cjfa-34392	22	19	address	address	NOUN
cjfa-34392	22	20	the	the	DET
cjfa-34392	22	21	banking	banking	NOUN
cjfa-34392	22	22	sector	sector	NOUN
cjfa-34392	22	23	and	and	CCONJ
cjfa-34392	22	24	financial	financial	ADJ
cjfa-34392	22	25	services	service	NOUN
cjfa-34392	22	26	,	,	PUNCT
cjfa-34392	22	27	few	few	ADJ
cjfa-34392	22	28	scholars	scholar	NOUN
cjfa-34392	22	29	have	have	AUX
cjfa-34392	22	30	touched	touch	VERB
cjfa-34392	22	31	on	on	ADP
cjfa-34392	22	32	the	the	DET
cjfa-34392	22	33	fintech	fintech	NOUN
cjfa-34392	22	34	industry	industry	NOUN
cjfa-34392	22	35	.	.	PUNCT
cjfa-34392	23	1	in	in	ADP
cjfa-34392	23	2	the	the	DET
cjfa-34392	23	3	financial	financial	ADJ
cjfa-34392	23	4	sector	sector	NOUN
cjfa-34392	23	5	,	,	PUNCT
cjfa-34392	23	6	fintech	fintech	NOUN
cjfa-34392	23	7	has	have	VERB
cjfa-34392	23	8	a	a	DET
cjfa-34392	23	9	massive	massive	ADJ
cjfa-34392	23	10	impact	impact	NOUN
cjfa-34392	23	11	.	.	PUNCT
cjfa-34392	24	1	because	because	SCONJ
cjfa-34392	24	2	of	of	ADP
cjfa-34392	24	3	the	the	DET
cjfa-34392	24	4	changes	change	NOUN
cjfa-34392	24	5	in	in	ADP
cjfa-34392	24	6	an	an	DET
cjfa-34392	24	7	increase	increase	NOUN
cjfa-34392	24	8	in	in	ADP
cjfa-34392	24	9	service	service	NOUN
cjfa-34392	24	10	usage	usage	NOUN
cjfa-34392	24	11	and	and	CCONJ
cjfa-34392	24	12	differences	difference	NOUN
cjfa-34392	24	13	in	in	ADP
cjfa-34392	24	14	perception	perception	NOUN
cjfa-34392	24	15	,	,	PUNCT
cjfa-34392	24	16	the	the	DET
cjfa-34392	24	17	positive	positive	ADJ
cjfa-34392	24	18	impact	impact	NOUN
cjfa-34392	24	19	of	of	ADP
cjfa-34392	24	20	fintech	fintech	NOUN
cjfa-34392	24	21	is	be	AUX
cjfa-34392	24	22	increasing	increase	VERB
cjfa-34392	24	23	the	the	DET
cjfa-34392	24	24	volume	volume	NOUN
cjfa-34392	24	25	of	of	ADP
cjfa-34392	24	26	the	the	DET
cjfa-34392	24	27	whole	whole	ADJ
cjfa-34392	24	28	financial	financial	ADJ
cjfa-34392	24	29	market	market	NOUN
cjfa-34392	24	30	(	(	PUNCT
cjfa-34392	24	31	lee	lee	PROPN
cjfa-34392	24	32	&	&	CCONJ
cjfa-34392	24	33	kim	kim	PROPN
cjfa-34392	24	34	,	,	PUNCT
cjfa-34392	24	35	2015	2015	NUM
cjfa-34392	24	36	)	)	PUNCT
cjfa-34392	24	37	.	.	PUNCT
cjfa-34392	25	1	fintech	fintech	NOUN
cjfa-34392	25	2	services	service	NOUN
cjfa-34392	25	3	are	be	AUX
cjfa-34392	25	4	being	be	AUX
cjfa-34392	25	5	introduced	introduce	VERB
cjfa-34392	25	6	in	in	ADP
cjfa-34392	25	7	bangladesh	bangladesh	NOUN
cjfa-34392	25	8	to	to	PART
cjfa-34392	25	9	improve	improve	VERB
cjfa-34392	25	10	&	&	CCONJ
cjfa-34392	25	11	develop	develop	VERB
cjfa-34392	25	12	financial	financial	ADJ
cjfa-34392	25	13	services	service	NOUN
cjfa-34392	25	14	for	for	ADP
cjfa-34392	25	15	the	the	DET
cjfa-34392	25	16	people	people	NOUN
cjfa-34392	25	17	;	;	PUNCT
cjfa-34392	25	18	many	many	ADJ
cjfa-34392	25	19	researchers	researcher	NOUN
cjfa-34392	25	20	have	have	AUX
cjfa-34392	25	21	spoken	speak	VERB
cjfa-34392	25	22	about	about	ADP
cjfa-34392	25	23	the	the	DET
cjfa-34392	25	24	related	relate	VERB
cjfa-34392	25	25	issues	issue	NOUN
cjfa-34392	25	26	of	of	ADP
cjfa-34392	25	27	this	this	DET
cjfa-34392	25	28	type	type	NOUN
cjfa-34392	25	29	of	of	ADP
cjfa-34392	25	30	technology	technology	NOUN
cjfa-34392	25	31	(	(	PUNCT
cjfa-34392	25	32	hossain	hossain	PROPN
cjfa-34392	25	33	,	,	PUNCT
cjfa-34392	25	34	2020	2020	NUM
cjfa-34392	25	35	)	)	PUNCT
cjfa-34392	25	36	.	.	PUNCT
cjfa-34392	26	1	we	we	PRON
cjfa-34392	26	2	have	have	AUX
cjfa-34392	26	3	pinpointed	pinpoint	VERB
cjfa-34392	26	4	the	the	DET
cjfa-34392	26	5	variables	variable	NOUN
cjfa-34392	26	6	that	that	PRON
cjfa-34392	26	7	influence	influence	VERB
cjfa-34392	26	8	the	the	DET
cjfa-34392	26	9	usage	usage	NOUN
cjfa-34392	26	10	of	of	ADP
cjfa-34392	26	11	fintech	fintech	NOUN
cjfa-34392	26	12	in	in	ADP
cjfa-34392	26	13	financial	financial	ADJ
cjfa-34392	26	14	sectors	sector	NOUN
cjfa-34392	26	15	.	.	PUNCT
cjfa-34392	27	1	it	it	PRON
cjfa-34392	27	2	is	be	AUX
cjfa-34392	27	3	expected	expect	VERB
cjfa-34392	27	4	that	that	SCONJ
cjfa-34392	27	5	proper	proper	ADJ
cjfa-34392	27	6	adoption	adoption	NOUN
cjfa-34392	27	7	of	of	ADP
cjfa-34392	27	8	fintech	fintech	NOUN
cjfa-34392	27	9	would	would	AUX
cjfa-34392	27	10	increase	increase	VERB
cjfa-34392	27	11	the	the	DET
cjfa-34392	27	12	ability	ability	NOUN
cjfa-34392	27	13	of	of	ADP
cjfa-34392	27	14	decision	decision	NOUN
cjfa-34392	27	15	-	-	PUNCT
cjfa-34392	27	16	makers	maker	NOUN
cjfa-34392	27	17	to	to	PART
cjfa-34392	27	18	apply	apply	VERB
cjfa-34392	27	19	innovative	innovative	ADJ
cjfa-34392	27	20	and	and	CCONJ
cjfa-34392	27	21	efficient	efficient	ADJ
cjfa-34392	27	22	strategies	strategy	NOUN
cjfa-34392	27	23	for	for	ADP
cjfa-34392	27	24	improving	improve	VERB
cjfa-34392	27	25	the	the	DET
cjfa-34392	27	26	usage	usage	NOUN
cjfa-34392	27	27	of	of	ADP
cjfa-34392	27	28	fintech	fintech	NOUN
cjfa-34392	27	29	by	by	ADP
cjfa-34392	27	30	manipulating	manipulate	VERB
cjfa-34392	27	31	and	and	CCONJ
cjfa-34392	27	32	controlling	control	VERB
cjfa-34392	27	33	the	the	DET
cjfa-34392	27	34	independent	independent	ADJ
cjfa-34392	27	35	variables	variable	NOUN
cjfa-34392	27	36	.	.	PUNCT
cjfa-34392	28	1	besides	besides	SCONJ
cjfa-34392	28	2	,	,	PUNCT
cjfa-34392	28	3	the	the	DET
cjfa-34392	28	4	existing	exist	VERB
cjfa-34392	28	5	literature	literature	NOUN
cjfa-34392	28	6	on	on	ADP
cjfa-34392	28	7	technology	technology	NOUN
cjfa-34392	28	8	adoption	adoption	NOUN
cjfa-34392	28	9	discloses	disclose	VERB
cjfa-34392	28	10	the	the	DET
cjfa-34392	28	11	significance	significance	NOUN
cjfa-34392	28	12	of	of	ADP
cjfa-34392	28	13	understanding	understand	VERB
cjfa-34392	28	14	the	the	DET
cjfa-34392	28	15	behavioral	behavioral	ADJ
cjfa-34392	28	16	intention	intention	NOUN
cjfa-34392	28	17	factors	factor	NOUN
cjfa-34392	28	18	.	.	PUNCT
cjfa-34392	29	1	literature	literature	NOUN
cjfa-34392	29	2	review	review	NOUN
cjfa-34392	29	3	in	in	ADP
cjfa-34392	29	4	the	the	DET
cjfa-34392	29	5	past	past	ADJ
cjfa-34392	29	6	couple	couple	NOUN
cjfa-34392	29	7	of	of	ADP
cjfa-34392	29	8	years	year	NOUN
cjfa-34392	29	9	,	,	PUNCT
cjfa-34392	29	10	study	study	NOUN
cjfa-34392	29	11	on	on	ADP
cjfa-34392	29	12	fintech	fintech	NOUN
cjfa-34392	29	13	has	have	AUX
cjfa-34392	29	14	been	be	AUX
cjfa-34392	29	15	rising	rise	VERB
cjfa-34392	29	16	dramatically	dramatically	ADV
cjfa-34392	29	17	due	due	ADP
cjfa-34392	29	18	to	to	ADP
cjfa-34392	29	19	acknowledging	acknowledge	VERB
cjfa-34392	29	20	the	the	DET
cjfa-34392	29	21	fintech	fintech	NOUN
cjfa-34392	29	22	ethics	ethic	NOUN
cjfa-34392	29	23	in	in	ADP
cjfa-34392	29	24	financial	financial	ADJ
cjfa-34392	29	25	institutions	institution	NOUN
cjfa-34392	29	26	.	.	PUNCT
cjfa-34392	30	1	the	the	DET
cjfa-34392	30	2	researchers	researcher	NOUN
cjfa-34392	30	3	have	have	AUX
cjfa-34392	30	4	given	give	VERB
cjfa-34392	30	5	considerable	considerable	ADJ
cjfa-34392	30	6	attention	attention	NOUN
cjfa-34392	30	7	to	to	ADP
cjfa-34392	30	8	fintech	fintech	NOUN
cjfa-34392	30	9	because	because	SCONJ
cjfa-34392	30	10	of	of	ADP
cjfa-34392	30	11	the	the	DET
cjfa-34392	30	12	exponential	exponential	ADJ
cjfa-34392	30	13	increase	increase	NOUN
cjfa-34392	30	14	in	in	ADP
cjfa-34392	30	15	technologies	technology	NOUN
cjfa-34392	30	16	and	and	CCONJ
cjfa-34392	30	17	mobile	mobile	ADJ
cjfa-34392	30	18	phone	phone	NOUN
cjfa-34392	30	19	usages	usage	NOUN
cjfa-34392	30	20	.	.	PUNCT
cjfa-34392	31	1	the	the	DET
cjfa-34392	31	2	upsurge	upsurge	NOUN
cjfa-34392	31	3	of	of	ADP
cjfa-34392	31	4	investments	investment	NOUN
cjfa-34392	31	5	in	in	ADP
cjfa-34392	31	6	fintech	fintech	NOUN
cjfa-34392	31	7	from	from	ADP
cjfa-34392	31	8	usd	usd	PROPN
cjfa-34392	31	9	4.05	4.05	NUM
cjfa-34392	31	10	billion	billion	NUM
cjfa-34392	31	11	in	in	ADP
cjfa-34392	31	12	2013	2013	NUM
cjfa-34392	31	13	to	to	ADP
cjfa-34392	31	14	usd	usd	NOUN
cjfa-34392	31	15	22.2	22.2	NUM
cjfa-34392	31	16	billion	billion	NUM
cjfa-34392	31	17	in	in	ADP
cjfa-34392	31	18	2015	2015	NUM
cjfa-34392	31	19	offers	offer	VERB
cjfa-34392	31	20	boundless	boundless	ADJ
cjfa-34392	31	21	possibilities	possibility	NOUN
cjfa-34392	31	22	for	for	ADP
cjfa-34392	31	23	further	further	ADJ
cjfa-34392	31	24	research	research	NOUN
cjfa-34392	31	25	and	and	CCONJ
cjfa-34392	31	26	inventive	inventive	ADJ
cjfa-34392	31	27	concepts	concept	NOUN
cjfa-34392	31	28	(	(	PUNCT
cjfa-34392	31	29	skan	skan	PROPN
cjfa-34392	31	30	,	,	PUNCT
cjfa-34392	31	31	2015	2015	NUM
cjfa-34392	31	32	)	)	PUNCT
cjfa-34392	31	33	.	.	PUNCT
cjfa-34392	32	1	factors	factor	NOUN
cjfa-34392	32	2	affecting	affect	VERB
cjfa-34392	32	3	the	the	DET
cjfa-34392	32	4	adoption	adoption	NOUN
cjfa-34392	32	5	of	of	ADP
cjfa-34392	32	6	fintech	fintech	NOUN
cjfa-34392	32	7	…	…	PUNCT
cjfa-34392	32	8	53	53	NUM
cjfa-34392	32	9	according	accord	VERB
cjfa-34392	32	10	to	to	ADP
cjfa-34392	32	11	(	(	PUNCT
cjfa-34392	32	12	puschmann	puschmann	PROPN
cjfa-34392	32	13	,	,	PUNCT
cjfa-34392	32	14	2017	2017	NUM
cjfa-34392	32	15	)	)	PUNCT
cjfa-34392	32	16	,	,	PUNCT
cjfa-34392	32	17	financing	financing	NOUN
cjfa-34392	32	18	,	,	PUNCT
cjfa-34392	32	19	cross	cross	NOUN
cjfa-34392	32	20	-	-	NOUN
cjfa-34392	32	21	process	process	NOUN
cjfa-34392	32	22	,	,	PUNCT
cjfa-34392	32	23	investment	investment	NOUN
cjfa-34392	32	24	,	,	PUNCT
cjfa-34392	32	25	and	and	CCONJ
cjfa-34392	32	26	payment	payment	NOUN
cjfa-34392	32	27	are	be	AUX
cjfa-34392	32	28	the	the	DET
cjfa-34392	32	29	most	most	ADV
cjfa-34392	32	30	significant	significant	ADJ
cjfa-34392	32	31	factors	factor	NOUN
cjfa-34392	32	32	of	of	ADP
cjfa-34392	32	33	the	the	DET
cjfa-34392	32	34	emerging	emerge	VERB
cjfa-34392	32	35	fintech	fintech	NOUN
cjfa-34392	32	36	market	market	NOUN
cjfa-34392	32	37	.	.	PUNCT
cjfa-34392	33	1	guild	guild	NOUN
cjfa-34392	33	2	(	(	PUNCT
cjfa-34392	33	3	2017	2017	NUM
cjfa-34392	33	4	)	)	PUNCT
cjfa-34392	33	5	demonstrated	demonstrate	VERB
cjfa-34392	33	6	that	that	SCONJ
cjfa-34392	33	7	to	to	PART
cjfa-34392	33	8	break	break	VERB
cjfa-34392	33	9	new	new	ADJ
cjfa-34392	33	10	ground	ground	NOUN
cjfa-34392	33	11	on	on	ADP
cjfa-34392	33	12	finance	finance	NOUN
cjfa-34392	33	13	and	and	CCONJ
cjfa-34392	33	14	enlarge	enlarge	VERB
cjfa-34392	33	15	financial	financial	ADJ
cjfa-34392	33	16	services	service	NOUN
cjfa-34392	33	17	to	to	ADP
cjfa-34392	33	18	hundreds	hundred	NOUN
cjfa-34392	33	19	of	of	ADP
cjfa-34392	33	20	millions	million	NOUN
cjfa-34392	33	21	of	of	ADP
cjfa-34392	33	22	people	people	NOUN
cjfa-34392	33	23	lacking	lack	VERB
cjfa-34392	33	24	access	access	NOUN
cjfa-34392	33	25	to	to	ADP
cjfa-34392	33	26	fintech	fintech	NOUN
cjfa-34392	33	27	innovations	innovation	NOUN
cjfa-34392	33	28	include	include	VERB
cjfa-34392	33	29	peer	peer	NOUN
cjfa-34392	33	30	-	-	PUNCT
cjfa-34392	33	31	to	to	ADP
cjfa-34392	33	32	-	-	PUNCT
cjfa-34392	33	33	peer	peer	NOUN
cjfa-34392	33	34	lending	lending	NOUN
cjfa-34392	33	35	platforms	platform	NOUN
cjfa-34392	33	36	and	and	CCONJ
cjfa-34392	33	37	digital	digital	ADJ
cjfa-34392	33	38	cash	cash	NOUN
cjfa-34392	33	39	transfer	transfer	NOUN
cjfa-34392	33	40	services	service	NOUN
cjfa-34392	33	41	(	(	PUNCT
cjfa-34392	33	42	btrc	btrc	NOUN
cjfa-34392	33	43	,	,	PUNCT
cjfa-34392	33	44	2020	2020	NUM
cjfa-34392	33	45	)	)	PUNCT
cjfa-34392	33	46	.	.	PUNCT
cjfa-34392	34	1	hornuf	hornuf	PROPN
cjfa-34392	34	2	(	(	PUNCT
cjfa-34392	34	3	2018	2018	NUM
cjfa-34392	34	4	)	)	PUNCT
cjfa-34392	34	5	found	find	VERB
cjfa-34392	34	6	that	that	SCONJ
cjfa-34392	34	7	until	until	ADP
cjfa-34392	34	8	2015	2015	NUM
cjfa-34392	34	9	followed	follow	VERB
cjfa-34392	34	10	by	by	ADP
cjfa-34392	34	11	canada	canada	PROPN
cjfa-34392	34	12	,	,	PUNCT
cjfa-34392	34	13	china	china	PROPN
cjfa-34392	34	14	,	,	PUNCT
cjfa-34392	34	15	india	india	PROPN
cjfa-34392	34	16	,	,	PUNCT
cjfa-34392	34	17	and	and	CCONJ
cjfa-34392	34	18	the	the	DET
cjfa-34392	34	19	uk	uk	PROPN
cjfa-34392	34	20	,	,	PUNCT
cjfa-34392	34	21	the	the	DET
cjfa-34392	34	22	usa	usa	PROPN
cjfa-34392	34	23	had	have	VERB
cjfa-34392	34	24	the	the	DET
cjfa-34392	34	25	largest	large	ADJ
cjfa-34392	34	26	fintech	fintech	NOUN
cjfa-34392	34	27	market	market	NOUN
cjfa-34392	34	28	.	.	PUNCT
cjfa-34392	35	1	he	he	PRON
cjfa-34392	35	2	subcategories	subcategorie	VERB
cjfa-34392	35	3	the	the	DET
cjfa-34392	35	4	fintech	fintech	NOUN
cjfa-34392	35	5	in	in	ADP
cjfa-34392	35	6	insurance	insurance	NOUN
cjfa-34392	35	7	,	,	PUNCT
cjfa-34392	35	8	exchanges	exchange	NOUN
cjfa-34392	35	9	,	,	PUNCT
cjfa-34392	35	10	payment	payment	NOUN
cjfa-34392	35	11	,	,	PUNCT
cjfa-34392	35	12	regulatory	regulatory	ADJ
cjfa-34392	35	13	technology	technology	NOUN
cjfa-34392	35	14	,	,	PUNCT
cjfa-34392	35	15	assets	asset	NOUN
cjfa-34392	35	16	management	management	NOUN
cjfa-34392	35	17	,	,	PUNCT
cjfa-34392	35	18	loyalty	loyalty	NOUN
cjfa-34392	35	19	programs	program	NOUN
cjfa-34392	35	20	,	,	PUNCT
cjfa-34392	35	21	and	and	CCONJ
cjfa-34392	35	22	other	other	ADJ
cjfa-34392	35	23	business	business	NOUN
cjfa-34392	35	24	activities	activity	NOUN
cjfa-34392	35	25	.	.	PUNCT
cjfa-34392	36	1	chakraborti	chakraborti	PROPN
cjfa-34392	36	2	(	(	PUNCT
cjfa-34392	36	3	2019	2019	NUM
cjfa-34392	36	4	)	)	PUNCT
cjfa-34392	36	5	revealed	reveal	VERB
cjfa-34392	36	6	that	that	SCONJ
cjfa-34392	36	7	the	the	DET
cjfa-34392	36	8	use	use	NOUN
cjfa-34392	36	9	of	of	ADP
cjfa-34392	36	10	fintech	fintech	NOUN
cjfa-34392	36	11	technology	technology	NOUN
cjfa-34392	36	12	emergently	emergently	ADV
cjfa-34392	36	13	increasing	increase	VERB
cjfa-34392	36	14	day	day	NOUN
cjfa-34392	36	15	by	by	ADP
cjfa-34392	36	16	day	day	NOUN
cjfa-34392	36	17	as	as	SCONJ
cjfa-34392	36	18	the	the	DET
cjfa-34392	36	19	country	country	NOUN
cjfa-34392	36	20	’s	’s	PART
cjfa-34392	36	21	mobile	mobile	ADJ
cjfa-34392	36	22	subscription	subscription	NOUN
cjfa-34392	36	23	density	density	NOUN
cjfa-34392	36	24	is	be	AUX
cjfa-34392	36	25	very	very	ADV
cjfa-34392	36	26	high	high	ADJ
cjfa-34392	36	27	.	.	PUNCT
cjfa-34392	37	1	table	table	NOUN
cjfa-34392	37	2	1	1	NUM
cjfa-34392	37	3	.	.	PUNCT
cjfa-34392	38	1	summary	summary	NOUN
cjfa-34392	38	2	of	of	ADP
cjfa-34392	38	3	the	the	DET
cjfa-34392	38	4	research	research	NOUN
cjfa-34392	38	5	on	on	ADP
cjfa-34392	38	6	uses	use	NOUN
cjfa-34392	38	7	of	of	ADP
cjfa-34392	38	8	fintech	fintech	NOUN
cjfa-34392	38	9	in	in	ADP
cjfa-34392	38	10	different	different	ADJ
cjfa-34392	38	11	developed	developed	ADJ
cjfa-34392	38	12	and	and	CCONJ
cjfa-34392	38	13	developing	develop	VERB
cjfa-34392	38	14	countries	country	NOUN
cjfa-34392	38	15	author	author	NOUN
cjfa-34392	38	16	country	country	NOUN
cjfa-34392	38	17	theoretical	theoretical	ADJ
cjfa-34392	38	18	framework	framework	NOUN
cjfa-34392	38	19	objectives	objective	VERB
cjfa-34392	38	20	key	key	ADJ
cjfa-34392	38	21	factors	factor	NOUN
cjfa-34392	38	22	of	of	ADP
cjfa-34392	38	23	fintech	fintech	NOUN
cjfa-34392	38	24	james	james	PROPN
cjfa-34392	38	25	guild	guild	PROPN
cjfa-34392	38	26	(	(	PUNCT
cjfa-34392	38	27	2017	2017	NUM
cjfa-34392	38	28	)	)	PUNCT
cjfa-34392	38	29	kenya	kenya	PROPN
cjfa-34392	38	30	,	,	PUNCT
cjfa-34392	38	31	india	india	PROPN
cjfa-34392	38	32	&	&	CCONJ
cjfa-34392	38	33	china	china	PROPN
cjfa-34392	38	34	qualitative	qualitative	ADJ
cjfa-34392	38	35	assessment	assessment	NOUN
cjfa-34392	38	36	(	(	PUNCT
cjfa-34392	38	37	using	use	VERB
cjfa-34392	38	38	contemporary	contemporary	ADJ
cjfa-34392	38	39	media	medium	NOUN
cjfa-34392	38	40	accounts	account	NOUN
cjfa-34392	38	41	,	,	PUNCT
cjfa-34392	38	42	academic	academic	ADJ
cjfa-34392	38	43	analysis	analysis	NOUN
cjfa-34392	38	44	&	&	CCONJ
cjfa-34392	38	45	central	central	PROPN
cjfa-34392	38	46	bank	bank	PROPN
cjfa-34392	38	47	statistics	statistic	NOUN
cjfa-34392	38	48	)	)	PUNCT
cjfa-34392	38	49	to	to	PART
cjfa-34392	38	50	endorse	endorse	VERB
cjfa-34392	38	51	financial	financial	ADJ
cjfa-34392	38	52	inclusion	inclusion	NOUN
cjfa-34392	38	53	in	in	ADP
cjfa-34392	38	54	each	each	DET
cjfa-34392	38	55	case	case	NOUN
cjfa-34392	38	56	of	of	ADP
cjfa-34392	38	57	how	how	SCONJ
cjfa-34392	38	58	the	the	DET
cjfa-34392	38	59	monitoring	monitoring	NOUN
cjfa-34392	38	60	architecture	architecture	NOUN
cjfa-34392	38	61	impacted	impact	VERB
cjfa-34392	38	62	the	the	DET
cjfa-34392	38	63	adoption	adoption	NOUN
cjfa-34392	38	64	of	of	ADP
cjfa-34392	38	65	fintech	fintech	NOUN
cjfa-34392	38	66	.	.	PUNCT
cjfa-34392	39	1	when	when	SCONJ
cjfa-34392	39	2	the	the	DET
cjfa-34392	39	3	objective	objective	NOUN
cjfa-34392	39	4	is	be	AUX
cjfa-34392	39	5	to	to	PART
cjfa-34392	39	6	expand	expand	VERB
cjfa-34392	39	7	access	access	NOUN
cjfa-34392	39	8	to	to	ADP
cjfa-34392	39	9	financial	financial	ADJ
cjfa-34392	39	10	resources	resource	NOUN
cjfa-34392	39	11	,	,	PUNCT
cjfa-34392	39	12	explaining	explain	VERB
cjfa-34392	39	13	this	this	DET
cjfa-34392	39	14	variance	variance	NOUN
cjfa-34392	39	15	will	will	AUX
cjfa-34392	39	16	offer	offer	VERB
cjfa-34392	39	17	insight	insight	NOUN
cjfa-34392	39	18	into	into	ADP
cjfa-34392	39	19	the	the	DET
cjfa-34392	39	20	most	most	ADV
cjfa-34392	39	21	suitable	suitable	ADJ
cjfa-34392	39	22	regulatory	regulatory	ADJ
cjfa-34392	39	23	method	method	NOUN
cjfa-34392	39	24	.	.	PUNCT
cjfa-34392	40	1	digital	digital	ADJ
cjfa-34392	40	2	cash	cash	NOUN
cjfa-34392	40	3	transfer	transfer	NOUN
cjfa-34392	40	4	services	service	NOUN
cjfa-34392	40	5	,	,	PUNCT
cjfa-34392	40	6	peer	peer	NOUN
cjfa-34392	40	7	-	-	PUNCT
cjfa-34392	40	8	to	to	ADP
cjfa-34392	40	9	-	-	PUNCT
cjfa-34392	40	10	peer	peer	NOUN
cjfa-34392	40	11	lending	lending	NOUN
cjfa-34392	40	12	platforms	platform	NOUN
cjfa-34392	40	13	,	,	PUNCT
cjfa-34392	40	14	complementary	complementary	ADJ
cjfa-34392	40	15	government	government	NOUN
cjfa-34392	40	16	policies	policy	NOUN
cjfa-34392	40	17	,	,	PUNCT
cjfa-34392	40	18	and	and	CCONJ
cjfa-34392	40	19	regulatory	regulatory	ADJ
cjfa-34392	40	20	frameworks	framework	NOUN
cjfa-34392	40	21	tae	tae	NOUN
cjfa-34392	40	22	-	-	PUNCT
cjfa-34392	40	23	heon	heon	PROPN
cjfa-34392	40	24	lee	lee	PROPN
cjfa-34392	40	25	and	and	CCONJ
cjfa-34392	40	26	hee	hee	PROPN
cjfa-34392	40	27	-	-	PROPN
cjfa-34392	40	28	woong	woong	PROPN
cjfa-34392	40	29	kim	kim	PROPN
cjfa-34392	40	30	(	(	PUNCT
cjfa-34392	40	31	2015	2015	NUM
cjfa-34392	40	32	)	)	PUNCT
cjfa-34392	40	33	korea	korea	PROPN
cjfa-34392	40	34	qualitative	qualitative	PROPN
cjfa-34392	40	35	study	study	NOUN
cjfa-34392	40	36	,	,	PUNCT
cjfa-34392	40	37	system	system	NOUN
cjfa-34392	40	38	dynamics	dynamic	NOUN
cjfa-34392	40	39	with	with	ADP
cjfa-34392	40	40	causal	causal	PROPN
cjfa-34392	40	41	loop	loop	NOUN
cjfa-34392	40	42	diagram	diagram	PROPN
cjfa-34392	40	43	(	(	PUNCT
cjfa-34392	40	44	cld	cld	NOUN
cjfa-34392	40	45	)	)	PUNCT
cjfa-34392	40	46	to	to	PART
cjfa-34392	40	47	stimulate	stimulate	VERB
cjfa-34392	40	48	the	the	DET
cjfa-34392	40	49	crowdfunding	crowdfunding	NOUN
cjfa-34392	40	50	industry	industry	NOUN
cjfa-34392	40	51	by	by	ADP
cjfa-34392	40	52	growing	grow	VERB
cjfa-34392	40	53	fintech	fintech	NOUN
cjfa-34392	40	54	companies	company	NOUN
cjfa-34392	40	55	and	and	CCONJ
cjfa-34392	40	56	hopes	hope	NOUN
cjfa-34392	40	57	for	for	ADP
cjfa-34392	40	58	financial	financial	ADJ
cjfa-34392	40	59	stimulation	stimulation	NOUN
cjfa-34392	40	60	as	as	ADV
cjfa-34392	40	61	well	well	ADV
cjfa-34392	40	62	.	.	PUNCT
cjfa-34392	41	1	crowdfunding	crowdfunding	NOUN
cjfa-34392	41	2	,	,	PUNCT
cjfa-34392	41	3	fintech	fintech	NOUN
cjfa-34392	41	4	,	,	PUNCT
cjfa-34392	41	5	system	system	NOUN
cjfa-34392	41	6	dynamics	dynamic	NOUN
cjfa-34392	41	7	ion	ion	NOUN
cjfa-34392	41	8	micu	micu	PROPN
cjfa-34392	41	9	and	and	CCONJ
cjfa-34392	41	10	alexandra	alexandra	PROPN
cjfa-34392	41	11	micu	micu	PROPN
cjfa-34392	41	12	(	(	PUNCT
cjfa-34392	41	13	2016	2016	NUM
cjfa-34392	41	14	)	)	PUNCT
cjfa-34392	41	15	romania	romania	PROPN
cjfa-34392	41	16	case	case	NOUN
cjfa-34392	41	17	study	study	NOUN
cjfa-34392	41	18	to	to	PART
cjfa-34392	41	19	investigate	investigate	VERB
cjfa-34392	41	20	the	the	DET
cjfa-34392	41	21	execution	execution	NOUN
cjfa-34392	41	22	of	of	ADP
cjfa-34392	41	23	fintech	fintech	NOUN
cjfa-34392	41	24	on	on	ADP
cjfa-34392	41	25	the	the	DET
cjfa-34392	41	26	bucharest	buchar	ADJ
cjfa-34392	41	27	stock	stock	PROPN
cjfa-34392	41	28	exchange	exchange	PROPN
cjfa-34392	41	29	(	(	PUNCT
cjfa-34392	41	30	bvb	bvb	NOUN
cjfa-34392	41	31	)	)	PUNCT
cjfa-34392	41	32	,	,	PUNCT
cjfa-34392	41	33	explained	explain	VERB
cjfa-34392	41	34	by	by	ADP
cjfa-34392	41	35	the	the	DET
cjfa-34392	41	36	financial	financial	ADJ
cjfa-34392	41	37	service	service	NOUN
cjfa-34392	41	38	providers	provider	NOUN
cjfa-34392	41	39	and	and	CCONJ
cjfa-34392	41	40	solutions	solution	NOUN
cjfa-34392	41	41	intended	intend	VERB
cjfa-34392	41	42	to	to	PART
cjfa-34392	41	43	provide	provide	VERB
cjfa-34392	41	44	better	well	ADJ
cjfa-34392	41	45	services	service	NOUN
cjfa-34392	41	46	in	in	ADP
cjfa-34392	41	47	the	the	DET
cjfa-34392	41	48	form	form	NOUN
cjfa-34392	41	49	of	of	ADP
cjfa-34392	41	50	online	online	ADJ
cjfa-34392	41	51	trading	trading	NOUN
cjfa-34392	41	52	platforms	platform	NOUN
cjfa-34392	41	53	.	.	PUNCT
cjfa-34392	42	1	financial	financial	ADJ
cjfa-34392	42	2	technology	technology	NOUN
cjfa-34392	42	3	;	;	PUNCT
cjfa-34392	42	4	fintech	fintech	NOUN
cjfa-34392	42	5	;	;	PUNCT
cjfa-34392	42	6	romanian	romanian	ADJ
cjfa-34392	42	7	stock	stock	NOUN
cjfa-34392	42	8	market	market	NOUN
cjfa-34392	42	9	;	;	PUNCT
cjfa-34392	42	10	bvb	bvb	NOUN
cjfa-34392	42	11	;	;	PUNCT
cjfa-34392	42	12	capital	capital	NOUN
cjfa-34392	42	13	markets	market	NOUN
cjfa-34392	42	14	nasima	nasima	PROPN
cjfa-34392	42	15	khatun	khatun	PROPN
cjfa-34392	42	16	,	,	PUNCT
cjfa-34392	42	17	marzia	marzia	PROPN
cjfa-34392	42	18	tamanna54	tamanna54	PROPN
cjfa-34392	42	19	author	author	NOUN
cjfa-34392	42	20	country	country	NOUN
cjfa-34392	42	21	theoretical	theoretical	ADJ
cjfa-34392	42	22	framework	framework	NOUN
cjfa-34392	42	23	objectives	objective	VERB
cjfa-34392	42	24	key	key	ADJ
cjfa-34392	42	25	factors	factor	NOUN
cjfa-34392	42	26	of	of	ADP
cjfa-34392	42	27	fintech	fintech	PROPN
cjfa-34392	42	28	hua	hua	PROPN
cjfa-34392	42	29	wilfried	wilfried	PROPN
cjfa-34392	42	30	serge	serge	PROPN
cjfa-34392	42	31	koffi	koffi	PROPN
cjfa-34392	42	32	(	(	PUNCT
cjfa-34392	42	33	2016	2016	NUM
cjfa-34392	42	34	)	)	PUNCT
cjfa-34392	42	35	west	west	ADJ
cjfa-34392	42	36	african	african	ADJ
cjfa-34392	42	37	qualitative	qualitative	ADJ
cjfa-34392	42	38	analysis	analysis	NOUN
cjfa-34392	42	39	to	to	PART
cjfa-34392	42	40	identify	identify	VERB
cjfa-34392	42	41	the	the	DET
cjfa-34392	42	42	present	present	ADJ
cjfa-34392	42	43	west	west	ADJ
cjfa-34392	42	44	african	african	ADJ
cjfa-34392	42	45	financial	financial	ADJ
cjfa-34392	42	46	sector	sector	NOUN
cjfa-34392	42	47	,	,	PUNCT
cjfa-34392	42	48	it	it	PRON
cjfa-34392	42	49	evaluates	evaluate	VERB
cjfa-34392	42	50	the	the	DET
cjfa-34392	42	51	financial	financial	ADJ
cjfa-34392	42	52	market	market	NOUN
cjfa-34392	42	53	segments	segment	NOUN
cjfa-34392	42	54	and	and	CCONJ
cjfa-34392	42	55	digitization	digitization	NOUN
cjfa-34392	42	56	reimbursement	reimbursement	NOUN
cjfa-34392	42	57	.	.	PUNCT
cjfa-34392	43	1	to	to	PART
cjfa-34392	43	2	detail	detail	VERB
cjfa-34392	43	3	,	,	PUNCT
cjfa-34392	43	4	the	the	DET
cjfa-34392	43	5	customer	customer	NOUN
cjfa-34392	43	6	population	population	NOUN
cjfa-34392	43	7	financial	financial	ADJ
cjfa-34392	43	8	sector	sector	NOUN
cjfa-34392	43	9	forms	form	VERB
cjfa-34392	43	10	an	an	DET
cjfa-34392	43	11	immense	immense	ADJ
cjfa-34392	43	12	amount	amount	NOUN
cjfa-34392	43	13	of	of	ADP
cjfa-34392	43	14	data	datum	NOUN
cjfa-34392	43	15	exploiting	exploit	VERB
cjfa-34392	43	16	by	by	ADP
cjfa-34392	43	17	fintech	fintech	NOUN
cjfa-34392	43	18	companies	company	NOUN
cjfa-34392	43	19	.	.	PUNCT
cjfa-34392	44	1	financial	financial	ADJ
cjfa-34392	44	2	services	service	NOUN
cjfa-34392	44	3	,	,	PUNCT
cjfa-34392	44	4	fintech	fintech	NOUN
cjfa-34392	44	5	revolution	revolution	NOUN
cjfa-34392	44	6	,	,	PUNCT
cjfa-34392	44	7	banking	banking	NOUN
cjfa-34392	44	8	,	,	PUNCT
cjfa-34392	44	9	west	west	PROPN
cjfa-34392	44	10	africa	africa	PROPN
cjfa-34392	44	11	economy	economy	PROPN
cjfa-34392	44	12	monetary	monetary	PROPN
cjfa-34392	44	13	union	union	PROPN
cjfa-34392	44	14	(	(	PUNCT
cjfa-34392	44	15	waemu	waemu	PROPN
cjfa-34392	44	16	)	)	PUNCT
cjfa-34392	44	17	,	,	PUNCT
cjfa-34392	44	18	data	datum	NOUN
cjfa-34392	44	19	and	and	CCONJ
cjfa-34392	44	20	analytics	analytic	NOUN
cjfa-34392	44	21	,	,	PUNCT
cjfa-34392	44	22	artificial	artificial	ADJ
cjfa-34392	44	23	intelligence	intelligence	NOUN
cjfa-34392	44	24	,	,	PUNCT
cjfa-34392	44	25	payments	payment	NOUN
cjfa-34392	44	26	,	,	PUNCT
cjfa-34392	44	27	digital	digital	ADJ
cjfa-34392	44	28	currencies	currency	NOUN
cjfa-34392	44	29	,	,	PUNCT
cjfa-34392	44	30	crowd	crowd	NOUN
cjfa-34392	44	31	funding	fund	VERB
cjfa-34392	44	32	jarunee	jarunee	PROPN
cjfa-34392	44	33	wonglimpiyarat	wonglimpiyarat	NOUN
cjfa-34392	44	34	(	(	PUNCT
cjfa-34392	44	35	2017	2017	NUM
cjfa-34392	44	36	)	)	PUNCT
cjfa-34392	44	37	thailand	thailand	PROPN
cjfa-34392	44	38	case	case	NOUN
cjfa-34392	44	39	study	study	NOUN
cjfa-34392	44	40	to	to	PART
cjfa-34392	44	41	identify	identify	VERB
cjfa-34392	44	42	the	the	DET
cjfa-34392	44	43	direction	direction	NOUN
cjfa-34392	44	44	of	of	ADP
cjfa-34392	44	45	fintech	fintech	NOUN
cjfa-34392	44	46	-	-	PUNCT
cjfa-34392	44	47	based	base	VERB
cjfa-34392	44	48	innovation	innovation	NOUN
cjfa-34392	44	49	and	and	CCONJ
cjfa-34392	44	50	insightful	insightful	ADJ
cjfa-34392	44	51	implications	implication	NOUN
cjfa-34392	44	52	on	on	ADP
cjfa-34392	44	53	the	the	DET
cjfa-34392	44	54	banking	banking	NOUN
cjfa-34392	44	55	industry	industry	NOUN
cjfa-34392	44	56	’s	’s	PART
cjfa-34392	44	57	systemic	systemic	ADJ
cjfa-34392	44	58	nature	nature	NOUN
cjfa-34392	44	59	.	.	PUNCT
cjfa-34392	45	1	prompt	prompt	ADJ
cjfa-34392	45	2	pay	pay	NOUN
cjfa-34392	45	3	fintech	fintech	NOUN
cjfa-34392	45	4	–	–	PUNCT
cjfa-34392	45	5	the	the	DET
cjfa-34392	45	6	e	e	NOUN
cjfa-34392	45	7	-	-	ADJ
cjfa-34392	45	8	payment	payment	NOUN
cjfa-34392	45	9	system	system	NOUN
cjfa-34392	45	10	in	in	ADP
cjfa-34392	45	11	thailand	thailand	PROPN
cjfa-34392	45	12	,	,	PUNCT
cjfa-34392	45	13	fintech	fintech	NOUN
cjfa-34392	45	14	-	-	PUNCT
cjfa-34392	45	15	based	base	VERB
cjfa-34392	45	16	systematic	systematic	ADJ
cjfa-34392	45	17	innovation	innovation	NOUN
cjfa-34392	45	18	progress	progress	NOUN
cjfa-34392	45	19	in	in	ADP
cjfa-34392	45	20	the	the	DET
cjfa-34392	45	21	banking	banking	NOUN
cjfa-34392	45	22	industry	industry	NOUN
cjfa-34392	45	23	.	.	PUNCT
cjfa-34392	46	1	vieqi	vieqi	PROPN
cjfa-34392	46	2	rakhma	rakhma	PROPN
cjfa-34392	46	3	wulan	wulan	NOUN
cjfa-34392	46	4	(	(	PUNCT
cjfa-34392	46	5	2017	2017	NUM
cjfa-34392	46	6	)	)	PUNCT
cjfa-34392	46	7	indonesia	indonesia	PROPN
cjfa-34392	46	8	descriptive	descriptive	ADJ
cjfa-34392	46	9	qualitative	qualitative	ADJ
cjfa-34392	46	10	research	research	NOUN
cjfa-34392	46	11	to	to	PART
cjfa-34392	46	12	identify	identify	VERB
cjfa-34392	46	13	the	the	DET
cjfa-34392	46	14	practice	practice	NOUN
cjfa-34392	46	15	of	of	ADP
cjfa-34392	46	16	fintech	fintech	NOUN
cjfa-34392	46	17	in	in	ADP
cjfa-34392	46	18	indonesia	indonesia	PROPN
cjfa-34392	46	19	penetrated	penetrate	VERB
cjfa-34392	46	20	fintech	fintech	NOUN
cjfa-34392	46	21	technology	technology	NOUN
cjfa-34392	46	22	like	like	ADP
cjfa-34392	46	23	credit	credit	NOUN
cjfa-34392	46	24	card	card	NOUN
cjfa-34392	46	25	,	,	PUNCT
cjfa-34392	46	26	bank	bank	NOUN
cjfa-34392	46	27	main	main	ADJ
cjfa-34392	46	28	frame	frame	NOUN
cjfa-34392	46	29	computer	computer	NOUN
cjfa-34392	46	30	,	,	PUNCT
cjfa-34392	46	31	atms	atms	NOUN
cjfa-34392	46	32	.	.	PUNCT
cjfa-34392	47	1	s	s	PART
cjfa-34392	47	2	o	o	X
cjfa-34392	47	3	u	u	NOUN
cjfa-34392	47	4	r	r	NOUN
cjfa-34392	47	5	c	c	NOUN
cjfa-34392	47	6	e	e	NOUN
cjfa-34392	47	7	:	:	PUNCT
cjfa-34392	47	8	summary	summary	NOUN
cjfa-34392	47	9	of	of	ADP
cjfa-34392	47	10	the	the	DET
cjfa-34392	47	11	research	research	NOUN
cjfa-34392	47	12	table	table	NOUN
cjfa-34392	47	13	created	create	VERB
cjfa-34392	47	14	by	by	ADP
cjfa-34392	47	15	authors	author	NOUN
cjfa-34392	47	16	.	.	PUNCT
cjfa-34392	48	1	theoretical	theoretical	ADJ
cjfa-34392	48	2	framework	framework	NOUN
cjfa-34392	48	3	different	different	ADJ
cjfa-34392	48	4	theoretical	theoretical	ADJ
cjfa-34392	48	5	models	model	NOUN
cjfa-34392	48	6	have	have	AUX
cjfa-34392	48	7	been	be	AUX
cjfa-34392	48	8	constructed	construct	VERB
cjfa-34392	48	9	to	to	PART
cjfa-34392	48	10	analyze	analyze	VERB
cjfa-34392	48	11	the	the	DET
cjfa-34392	48	12	adoption	adoption	NOUN
cjfa-34392	48	13	behavior	behavior	NOUN
cjfa-34392	48	14	of	of	ADP
cjfa-34392	48	15	new	new	ADJ
cjfa-34392	48	16	technologies	technology	NOUN
cjfa-34392	48	17	in	in	ADP
cjfa-34392	48	18	the	the	DET
cjfa-34392	48	19	market	market	NOUN
cjfa-34392	48	20	in	in	ADP
cjfa-34392	48	21	previous	previous	ADJ
cjfa-34392	48	22	times	time	NOUN
cjfa-34392	48	23	.	.	PUNCT
cjfa-34392	49	1	fintech	fintech	NOUN
cjfa-34392	49	2	research	research	NOUN
cjfa-34392	49	3	has	have	AUX
cjfa-34392	49	4	long	long	ADV
cjfa-34392	49	5	been	be	AUX
cjfa-34392	49	6	studied	study	VERB
cjfa-34392	49	7	how	how	SCONJ
cjfa-34392	49	8	and	and	CCONJ
cjfa-34392	49	9	why	why	SCONJ
cjfa-34392	49	10	individuals	individual	NOUN
cjfa-34392	49	11	or	or	CCONJ
cjfa-34392	49	12	institutions	institution	NOUN
cjfa-34392	49	13	use	use	VERB
cjfa-34392	49	14	new	new	ADJ
cjfa-34392	49	15	technologies	technology	NOUN
cjfa-34392	49	16	(	(	PUNCT
cjfa-34392	49	17	skan	skan	PROPN
cjfa-34392	49	18	,	,	PUNCT
cjfa-34392	49	19	2015	2015	NUM
cjfa-34392	49	20	)	)	PUNCT
cjfa-34392	49	21	.	.	PUNCT
cjfa-34392	50	1	almost	almost	ADV
cjfa-34392	50	2	all	all	DET
cjfa-34392	50	3	the	the	DET
cjfa-34392	50	4	models	model	NOUN
cjfa-34392	50	5	were	be	AUX
cjfa-34392	50	6	being	be	AUX
cjfa-34392	50	7	used	use	VERB
cjfa-34392	50	8	with	with	ADP
cjfa-34392	50	9	a	a	DET
cjfa-34392	50	10	variety	variety	NOUN
cjfa-34392	50	11	of	of	ADP
cjfa-34392	50	12	independent	independent	ADJ
cjfa-34392	50	13	variables	variable	NOUN
cjfa-34392	50	14	,	,	PUNCT
cjfa-34392	50	15	but	but	CCONJ
cjfa-34392	50	16	they	they	PRON
cjfa-34392	50	17	were	be	AUX
cjfa-34392	50	18	found	find	VERB
cjfa-34392	50	19	to	to	PART
cjfa-34392	50	20	be	be	AUX
cjfa-34392	50	21	inappropriate	inappropriate	ADJ
cjfa-34392	50	22	in	in	ADP
cjfa-34392	50	23	information	information	NOUN
cjfa-34392	50	24	technology	technology	NOUN
cjfa-34392	50	25	(	(	PUNCT
cjfa-34392	50	26	venkatesh	venkatesh	PROPN
cjfa-34392	50	27	,	,	PUNCT
cjfa-34392	50	28	thong	thong	PROPN
cjfa-34392	50	29	&	&	CCONJ
cjfa-34392	50	30	xu	xu	PROPN
cjfa-34392	50	31	,	,	PUNCT
cjfa-34392	50	32	2012	2012	NUM
cjfa-34392	50	33	)	)	PUNCT
cjfa-34392	50	34	.	.	PUNCT
cjfa-34392	51	1	compared	compare	VERB
cjfa-34392	51	2	to	to	ADP
cjfa-34392	51	3	all	all	DET
cjfa-34392	51	4	other	other	ADJ
cjfa-34392	51	5	models	model	NOUN
cjfa-34392	51	6	like	like	ADP
cjfa-34392	51	7	technology	technology	NOUN
cjfa-34392	51	8	acceptance	acceptance	NOUN
cjfa-34392	51	9	model	model	NOUN
cjfa-34392	51	10	(	(	PUNCT
cjfa-34392	51	11	tam	tam	PROPN
cjfa-34392	51	12	)	)	PUNCT
cjfa-34392	51	13	,	,	PUNCT
cjfa-34392	51	14	utaut	utaut	NOUN
cjfa-34392	51	15	,	,	PUNCT
cjfa-34392	51	16	theory	theory	NOUN
cjfa-34392	51	17	of	of	ADP
cjfa-34392	51	18	reasoned	reason	VERB
cjfa-34392	51	19	action	action	NOUN
cjfa-34392	51	20	(	(	PUNCT
cjfa-34392	51	21	tra	tra	NOUN
cjfa-34392	51	22	)	)	PUNCT
cjfa-34392	51	23	,	,	PUNCT
cjfa-34392	51	24	we	we	PRON
cjfa-34392	51	25	preferred	prefer	VERB
cjfa-34392	51	26	utaut	utaut	PROPN
cjfa-34392	51	27	model	model	NOUN
cjfa-34392	51	28	initially	initially	ADV
cjfa-34392	51	29	used	use	VERB
cjfa-34392	51	30	by	by	ADP
cjfa-34392	51	31	venkatesh	venkatesh	NOUN
cjfa-34392	51	32	in	in	ADP
cjfa-34392	51	33	2003	2003	NUM
cjfa-34392	51	34	.	.	PUNCT
cjfa-34392	52	1	this	this	DET
cjfa-34392	52	2	model	model	NOUN
cjfa-34392	52	3	aims	aim	VERB
cjfa-34392	52	4	to	to	PART
cjfa-34392	52	5	achieve	achieve	VERB
cjfa-34392	52	6	a	a	DET
cjfa-34392	52	7	unified	unified	ADJ
cjfa-34392	52	8	view	view	NOUN
cjfa-34392	52	9	of	of	ADP
cjfa-34392	52	10	user	user	NOUN
cjfa-34392	52	11	acceptance	acceptance	NOUN
cjfa-34392	52	12	whenever	whenever	SCONJ
cjfa-34392	52	13	a	a	DET
cjfa-34392	52	14	new	new	ADJ
cjfa-34392	52	15	technology	technology	NOUN
cjfa-34392	52	16	enters	enter	VERB
cjfa-34392	52	17	in	in	ADP
cjfa-34392	52	18	market	market	NOUN
cjfa-34392	52	19	.	.	PUNCT
cjfa-34392	53	1	many	many	ADJ
cjfa-34392	53	2	other	other	ADJ
cjfa-34392	53	3	researchers	researcher	NOUN
cjfa-34392	53	4	,	,	PUNCT
cjfa-34392	53	5	including	include	VERB
cjfa-34392	53	6	hong	hong	PROPN
cjfa-34392	53	7	,	,	PUNCT
cjfa-34392	53	8	thong	thong	NOUN
cjfa-34392	53	9	,	,	PUNCT
cjfa-34392	53	10	chasalow	chasalow	NOUN
cjfa-34392	53	11	,	,	PUNCT
cjfa-34392	53	12	dhillon	dhillon	PROPN
cjfa-34392	53	13	have	have	AUX
cjfa-34392	53	14	used	use	VERB
cjfa-34392	53	15	this	this	DET
cjfa-34392	53	16	model	model	NOUN
cjfa-34392	53	17	to	to	PART
cjfa-34392	53	18	examine	examine	VERB
cjfa-34392	53	19	the	the	DET
cjfa-34392	53	20	behavior	behavior	NOUN
cjfa-34392	53	21	intention	intention	NOUN
cjfa-34392	53	22	and	and	CCONJ
cjfa-34392	53	23	technology	technology	NOUN
cjfa-34392	53	24	adoption	adoption	NOUN
cjfa-34392	53	25	of	of	ADP
cjfa-34392	53	26	the	the	DET
cjfa-34392	53	27	users	user	NOUN
cjfa-34392	53	28	.	.	PUNCT
cjfa-34392	54	1	we	we	PRON
cjfa-34392	54	2	have	have	AUX
cjfa-34392	54	3	applied	apply	VERB
cjfa-34392	54	4	both	both	PRON
cjfa-34392	54	5	utaut	utaut	PROPN
cjfa-34392	54	6	(	(	PUNCT
cjfa-34392	54	7	venkatesh	venkatesh	PROPN
cjfa-34392	54	8	,	,	PUNCT
cjfa-34392	54	9	morris	morris	PROPN
cjfa-34392	54	10	,	,	PUNCT
cjfa-34392	54	11	davis	davis	PROPN
cjfa-34392	54	12	&	&	CCONJ
cjfa-34392	54	13	davis	davis	PROPN
cjfa-34392	54	14	,	,	PUNCT
cjfa-34392	54	15	2003	2003	NUM
cjfa-34392	54	16	)	)	PUNCT
cjfa-34392	54	17	and	and	CCONJ
cjfa-34392	54	18	utaut	utaut	NOUN
cjfa-34392	54	19	2	2	NUM
cjfa-34392	54	20	(	(	PUNCT
cjfa-34392	54	21	venkatesh	venkatesh	PROPN
cjfa-34392	54	22	et	et	PROPN
cjfa-34392	54	23	al	al	PROPN
cjfa-34392	54	24	.	.	PROPN
cjfa-34392	54	25	,	,	PUNCT
cjfa-34392	54	26	2012	2012	NUM
cjfa-34392	54	27	)	)	PUNCT
cjfa-34392	54	28	.	.	PUNCT
cjfa-34392	55	1	from	from	ADP
cjfa-34392	55	2	basic	basic	ADJ
cjfa-34392	55	3	utaut	utaut	NOUN
cjfa-34392	55	4	,	,	PUNCT
cjfa-34392	55	5	we	we	PRON
cjfa-34392	55	6	evaluated	evaluate	VERB
cjfa-34392	55	7	and	and	CCONJ
cjfa-34392	55	8	finally	finally	ADV
cjfa-34392	55	9	table	table	VERB
cjfa-34392	55	10	1	1	NUM
cjfa-34392	55	11	.	.	PUNCT
cjfa-34392	56	1	summary	summary	NOUN
cjfa-34392	56	2	…	…	PUNCT
cjfa-34392	56	3	factors	factor	NOUN
cjfa-34392	56	4	affecting	affect	VERB
cjfa-34392	56	5	the	the	DET
cjfa-34392	56	6	adoption	adoption	NOUN
cjfa-34392	56	7	of	of	ADP
cjfa-34392	56	8	fintech	fintech	NOUN
cjfa-34392	56	9	…	…	PUNCT
cjfa-34392	56	10	55	55	NUM
cjfa-34392	56	11	selected	select	VERB
cjfa-34392	56	12	the	the	DET
cjfa-34392	56	13	factors	factor	NOUN
cjfa-34392	56	14	fitted	fit	VERB
cjfa-34392	56	15	for	for	ADP
cjfa-34392	56	16	developing	develop	VERB
cjfa-34392	56	17	countries	country	NOUN
cjfa-34392	56	18	,	,	PUNCT
cjfa-34392	56	19	including	include	VERB
cjfa-34392	56	20	bangladesh	bangladesh	NOUN
cjfa-34392	56	21	.	.	PUNCT
cjfa-34392	57	1	as	as	SCONJ
cjfa-34392	57	2	utaut	utaut	PROPN
cjfa-34392	57	3	2	2	NUM
cjfa-34392	57	4	is	be	AUX
cjfa-34392	57	5	a	a	DET
cjfa-34392	57	6	more	more	ADV
cjfa-34392	57	7	explanatory	explanatory	ADJ
cjfa-34392	57	8	model	model	NOUN
cjfa-34392	57	9	with	with	ADP
cjfa-34392	57	10	the	the	DET
cjfa-34392	57	11	proper	proper	ADJ
cjfa-34392	57	12	suggestion	suggestion	NOUN
cjfa-34392	57	13	for	for	ADP
cjfa-34392	57	14	future	future	ADJ
cjfa-34392	57	15	work	work	NOUN
cjfa-34392	57	16	,	,	PUNCT
cjfa-34392	57	17	we	we	PRON
cjfa-34392	57	18	also	also	ADV
cjfa-34392	57	19	followed	follow	VERB
cjfa-34392	57	20	this	this	PRON
cjfa-34392	57	21	to	to	PART
cjfa-34392	57	22	broaden	broaden	VERB
cjfa-34392	57	23	our	our	PRON
cjfa-34392	57	24	idea	idea	NOUN
cjfa-34392	57	25	within	within	ADP
cjfa-34392	57	26	the	the	DET
cjfa-34392	57	27	base	base	NOUN
cjfa-34392	57	28	model	model	NOUN
cjfa-34392	57	29	’s	’s	PART
cjfa-34392	57	30	theoretical	theoretical	ADJ
cjfa-34392	57	31	horizon	horizon	NOUN
cjfa-34392	57	32	.	.	PUNCT
cjfa-34392	58	1	however	however	ADV
cjfa-34392	58	2	,	,	PUNCT
cjfa-34392	58	3	considering	consider	VERB
cjfa-34392	58	4	the	the	DET
cjfa-34392	58	5	nature	nature	NOUN
cjfa-34392	58	6	of	of	ADP
cjfa-34392	58	7	users	user	NOUN
cjfa-34392	58	8	and	and	CCONJ
cjfa-34392	58	9	culture	culture	NOUN
cjfa-34392	58	10	of	of	ADP
cjfa-34392	58	11	the	the	DET
cjfa-34392	58	12	country	country	NOUN
cjfa-34392	58	13	,	,	PUNCT
cjfa-34392	58	14	we	we	PRON
cjfa-34392	58	15	have	have	AUX
cjfa-34392	58	16	modified	modify	VERB
cjfa-34392	58	17	the	the	DET
cjfa-34392	58	18	whole	whole	ADJ
cjfa-34392	58	19	model	model	NOUN
cjfa-34392	58	20	and	and	CCONJ
cjfa-34392	58	21	included	include	VERB
cjfa-34392	58	22	some	some	DET
cjfa-34392	58	23	additional	additional	ADJ
cjfa-34392	58	24	factors	factor	NOUN
cjfa-34392	58	25	as	as	ADP
cjfa-34392	58	26	extensions	extension	NOUN
cjfa-34392	58	27	to	to	ADP
cjfa-34392	58	28	the	the	DET
cjfa-34392	58	29	utaut	utaut	NOUN
cjfa-34392	58	30	but	but	CCONJ
cjfa-34392	58	31	within	within	ADP
cjfa-34392	58	32	the	the	DET
cjfa-34392	58	33	same	same	ADJ
cjfa-34392	58	34	concept	concept	NOUN
cjfa-34392	58	35	.	.	PUNCT
cjfa-34392	59	1	after	after	ADP
cjfa-34392	59	2	setting	set	VERB
cjfa-34392	59	3	our	our	PRON
cjfa-34392	59	4	model	model	NOUN
cjfa-34392	59	5	,	,	PUNCT
cjfa-34392	59	6	we	we	PRON
cjfa-34392	59	7	wanted	want	VERB
cjfa-34392	59	8	to	to	PART
cjfa-34392	59	9	see	see	VERB
cjfa-34392	59	10	the	the	DET
cjfa-34392	59	11	relationship	relationship	NOUN
cjfa-34392	59	12	between	between	ADP
cjfa-34392	59	13	independent	independent	ADJ
cjfa-34392	59	14	variablesperformance	variablesperformance	NOUN
cjfa-34392	59	15	expectancy	expectancy	NOUN
cjfa-34392	59	16	,	,	PUNCT
cjfa-34392	59	17	effort	effort	NOUN
cjfa-34392	59	18	expectancy	expectancy	NOUN
cjfa-34392	59	19	,	,	PUNCT
cjfa-34392	59	20	social	social	ADJ
cjfa-34392	59	21	influence	influence	NOUN
cjfa-34392	59	22	,	,	PUNCT
cjfa-34392	59	23	facilitating	facilitate	VERB
cjfa-34392	59	24	conditions	condition	NOUN
cjfa-34392	59	25	,	,	PUNCT
cjfa-34392	59	26	perceived	perceive	VERB
cjfa-34392	59	27	reliability	reliability	NOUN
cjfa-34392	59	28	,	,	PUNCT
cjfa-34392	59	29	price	price	NOUN
cjfa-34392	59	30	added	add	VERB
cjfa-34392	59	31	value	value	NOUN
cjfa-34392	59	32	,	,	PUNCT
cjfa-34392	59	33	nervousness	nervousness	NOUN
cjfa-34392	59	34	,	,	PUNCT
cjfa-34392	59	35	and	and	CCONJ
cjfa-34392	59	36	dependent	dependent	ADJ
cjfa-34392	59	37	variable	variable	NOUN
cjfa-34392	59	38	as	as	ADP
cjfa-34392	59	39	behavioral	behavioral	ADJ
cjfa-34392	59	40	intention	intention	NOUN
cjfa-34392	59	41	to	to	PART
cjfa-34392	59	42	use	use	VERB
cjfa-34392	59	43	technology	technology	NOUN
cjfa-34392	59	44	.	.	PUNCT
cjfa-34392	60	1	we	we	PRON
cjfa-34392	60	2	expected	expect	VERB
cjfa-34392	60	3	that	that	SCONJ
cjfa-34392	60	4	if	if	SCONJ
cjfa-34392	60	5	the	the	DET
cjfa-34392	60	6	hypotheses	hypothesis	NOUN
cjfa-34392	60	7	we	we	PRON
cjfa-34392	60	8	postulated	postulate	VERB
cjfa-34392	60	9	for	for	ADP
cjfa-34392	60	10	each	each	PRON
cjfa-34392	60	11	of	of	ADP
cjfa-34392	60	12	the	the	DET
cjfa-34392	60	13	variables	variable	NOUN
cjfa-34392	60	14	are	be	AUX
cjfa-34392	60	15	accepted	accept	VERB
cjfa-34392	60	16	,	,	PUNCT
cjfa-34392	60	17	the	the	DET
cjfa-34392	60	18	users	user	NOUN
cjfa-34392	60	19	’	'	PUNCT
cjfa-34392	60	20	behavioral	behavioral	ADJ
cjfa-34392	60	21	intention	intention	NOUN
cjfa-34392	60	22	will	will	AUX
cjfa-34392	60	23	finally	finally	ADV
cjfa-34392	60	24	be	be	AUX
cjfa-34392	60	25	converted	convert	VERB
cjfa-34392	60	26	to	to	ADP
cjfa-34392	60	27	the	the	DET
cjfa-34392	60	28	actual	actual	ADJ
cjfa-34392	60	29	usage	usage	NOUN
cjfa-34392	60	30	of	of	ADP
cjfa-34392	60	31	fintech	fintech	NOUN
cjfa-34392	60	32	.	.	PUNCT
cjfa-34392	61	1	additionally	additionally	ADV
cjfa-34392	61	2	,	,	PUNCT
cjfa-34392	61	3	if	if	SCONJ
cjfa-34392	61	4	we	we	PRON
cjfa-34392	61	5	look	look	VERB
cjfa-34392	61	6	at	at	ADP
cjfa-34392	61	7	utaut	utaut	NOUN
cjfa-34392	61	8	models	model	NOUN
cjfa-34392	61	9	used	use	VERB
cjfa-34392	61	10	primarily	primarily	ADV
cjfa-34392	61	11	by	by	ADP
cjfa-34392	61	12	venkatesh	venkatesh	NOUN
cjfa-34392	61	13	,	,	PUNCT
cjfa-34392	61	14	we	we	PRON
cjfa-34392	61	15	can	can	AUX
cjfa-34392	61	16	observe	observe	VERB
cjfa-34392	61	17	that	that	SCONJ
cjfa-34392	61	18	he	he	PRON
cjfa-34392	61	19	added	add	VERB
cjfa-34392	61	20	moderating	moderating	NOUN
cjfa-34392	61	21	factors	factor	NOUN
cjfa-34392	61	22	to	to	PART
cjfa-34392	61	23	verify	verify	VERB
cjfa-34392	61	24	its	its	PRON
cjfa-34392	61	25	impact	impact	NOUN
cjfa-34392	61	26	with	with	ADP
cjfa-34392	61	27	independent	independent	ADJ
cjfa-34392	61	28	variables	variable	NOUN
cjfa-34392	61	29	.	.	PUNCT
cjfa-34392	62	1	since	since	SCONJ
cjfa-34392	62	2	technology	technology	NOUN
cjfa-34392	62	3	adoption	adoption	NOUN
cjfa-34392	62	4	in	in	ADP
cjfa-34392	62	5	developing	develop	VERB
cjfa-34392	62	6	countries	country	NOUN
cjfa-34392	62	7	mostly	mostly	ADV
cjfa-34392	62	8	depends	depend	VERB
cjfa-34392	62	9	on	on	ADP
cjfa-34392	62	10	generation	generation	NOUN
cjfa-34392	62	11	,	,	PUNCT
cjfa-34392	62	12	we	we	PRON
cjfa-34392	62	13	set	set	VERB
cjfa-34392	62	14	age	age	NOUN
cjfa-34392	62	15	of	of	ADP
cjfa-34392	62	16	the	the	DET
cjfa-34392	62	17	employees	employee	NOUN
cjfa-34392	62	18	as	as	ADP
cjfa-34392	62	19	the	the	DET
cjfa-34392	62	20	moderator	moderator	NOUN
cjfa-34392	62	21	,	,	PUNCT
cjfa-34392	62	22	which	which	PRON
cjfa-34392	62	23	is	be	AUX
cjfa-34392	62	24	expected	expect	VERB
cjfa-34392	62	25	to	to	PART
cjfa-34392	62	26	contribute	contribute	VERB
cjfa-34392	62	27	to	to	ADP
cjfa-34392	62	28	evaluating	evaluate	VERB
cjfa-34392	62	29	the	the	DET
cjfa-34392	62	30	intensity	intensity	NOUN
cjfa-34392	62	31	between	between	ADP
cjfa-34392	62	32	the	the	DET
cjfa-34392	62	33	independent	independent	ADJ
cjfa-34392	62	34	variables	variable	NOUN
cjfa-34392	62	35	and	and	CCONJ
cjfa-34392	62	36	dependent	dependent	ADJ
cjfa-34392	62	37	variables	variable	NOUN
cjfa-34392	62	38	.	.	PUNCT
cjfa-34392	63	1	even	even	ADV
cjfa-34392	63	2	though	though	SCONJ
cjfa-34392	63	3	some	some	DET
cjfa-34392	63	4	previous	previous	ADJ
cjfa-34392	63	5	studies	study	NOUN
cjfa-34392	63	6	(	(	PUNCT
cjfa-34392	63	7	vasiljeva	vasiljeva	PROPN
cjfa-34392	63	8	,	,	PUNCT
cjfa-34392	63	9	2016	2016	NUM
cjfa-34392	63	10	)	)	PUNCT
cjfa-34392	63	11	claimed	claim	VERB
cjfa-34392	63	12	that	that	SCONJ
cjfa-34392	63	13	gender	gender	NOUN
cjfa-34392	63	14	plays	play	VERB
cjfa-34392	63	15	a	a	DET
cjfa-34392	63	16	crucial	crucial	ADJ
cjfa-34392	63	17	role	role	NOUN
cjfa-34392	63	18	in	in	ADP
cjfa-34392	63	19	the	the	DET
cjfa-34392	63	20	community	community	NOUN
cjfa-34392	63	21	but	but	CCONJ
cjfa-34392	63	22	analyzing	analyze	VERB
cjfa-34392	63	23	the	the	DET
cjfa-34392	63	24	financial	financial	ADJ
cjfa-34392	63	25	sectors	sector	NOUN
cjfa-34392	63	26	,	,	PUNCT
cjfa-34392	63	27	with	with	ADP
cjfa-34392	63	28	the	the	DET
cjfa-34392	63	29	help	help	NOUN
cjfa-34392	63	30	of	of	ADP
cjfa-34392	63	31	our	our	PRON
cjfa-34392	63	32	feasibility	feasibility	NOUN
cjfa-34392	63	33	study	study	NOUN
cjfa-34392	63	34	,	,	PUNCT
cjfa-34392	63	35	we	we	PRON
cjfa-34392	63	36	concluded	conclude	VERB
cjfa-34392	63	37	that	that	SCONJ
cjfa-34392	63	38	all	all	DET
cjfa-34392	63	39	other	other	ADJ
cjfa-34392	63	40	things	thing	NOUN
cjfa-34392	63	41	remaining	remain	VERB
cjfa-34392	63	42	the	the	DET
cjfa-34392	63	43	same	same	ADJ
cjfa-34392	63	44	,	,	PUNCT
cjfa-34392	63	45	gender	gender	NOUN
cjfa-34392	63	46	can	can	AUX
cjfa-34392	63	47	not	not	PART
cjfa-34392	63	48	be	be	AUX
cjfa-34392	63	49	a	a	DET
cjfa-34392	63	50	moderating	moderate	VERB
cjfa-34392	63	51	factor	factor	NOUN
cjfa-34392	63	52	for	for	ADP
cjfa-34392	63	53	fintech	fintech	NOUN
cjfa-34392	63	54	adoption	adoption	NOUN
cjfa-34392	63	55	,	,	PUNCT
cjfa-34392	63	56	especially	especially	ADV
cjfa-34392	63	57	in	in	ADP
cjfa-34392	63	58	financial	financial	ADJ
cjfa-34392	63	59	sectors	sector	NOUN
cjfa-34392	63	60	.	.	PUNCT
cjfa-34392	64	1	variables	variable	NOUN
cjfa-34392	64	2	with	with	ADP
cjfa-34392	64	3	hypothesis	hypothesis	NOUN
cjfa-34392	64	4	analysis	analysis	NOUN
cjfa-34392	64	5	performance	performance	NOUN
cjfa-34392	64	6	expectancy	expectancy	NOUN
cjfa-34392	64	7	(	(	PUNCT
cjfa-34392	64	8	pe	pe	INTJ
cjfa-34392	64	9	)	)	PUNCT
cjfa-34392	64	10	our	our	PRON
cjfa-34392	64	11	first	first	ADJ
cjfa-34392	64	12	independent	independent	ADJ
cjfa-34392	64	13	variable	variable	NOUN
cjfa-34392	64	14	used	use	VERB
cjfa-34392	64	15	as	as	ADP
cjfa-34392	64	16	the	the	DET
cjfa-34392	64	17	confirmatory	confirmatory	NOUN
cjfa-34392	64	18	factor	factor	NOUN
cjfa-34392	64	19	in	in	ADP
cjfa-34392	64	20	utaut	utaut	PROPN
cjfa-34392	64	21	is	be	AUX
cjfa-34392	64	22	performance	performance	NOUN
cjfa-34392	64	23	expectancy	expectancy	NOUN
cjfa-34392	64	24	,	,	PUNCT
cjfa-34392	64	25	which	which	PRON
cjfa-34392	64	26	can	can	AUX
cjfa-34392	64	27	be	be	AUX
cjfa-34392	64	28	defined	define	VERB
cjfa-34392	64	29	as	as	ADP
cjfa-34392	64	30	the	the	DET
cjfa-34392	64	31	degree	degree	NOUN
cjfa-34392	64	32	to	to	PART
cjfa-34392	64	33	which	which	PRON
cjfa-34392	64	34	a	a	DET
cjfa-34392	64	35	technology	technology	NOUN
cjfa-34392	64	36	user	user	NOUN
cjfa-34392	64	37	believes	believe	VERB
cjfa-34392	64	38	that	that	SCONJ
cjfa-34392	64	39	if	if	SCONJ
cjfa-34392	64	40	an	an	DET
cjfa-34392	64	41	individual	individual	NOUN
cjfa-34392	64	42	adopts	adopt	VERB
cjfa-34392	64	43	fintech	fintech	NOUN
cjfa-34392	64	44	,	,	PUNCT
cjfa-34392	64	45	it	it	PRON
cjfa-34392	64	46	will	will	AUX
cjfa-34392	64	47	help	help	VERB
cjfa-34392	64	48	him	he	PRON
cjfa-34392	64	49	/	/	SYM
cjfa-34392	64	50	her	her	PRON
cjfa-34392	64	51	attain	attain	VERB
cjfa-34392	64	52	job	job	NOUN
cjfa-34392	64	53	performance	performance	NOUN
cjfa-34392	64	54	.	.	PUNCT
cjfa-34392	65	1	users	user	NOUN
cjfa-34392	65	2	are	be	AUX
cjfa-34392	65	3	expected	expect	VERB
cjfa-34392	65	4	to	to	PART
cjfa-34392	65	5	be	be	AUX
cjfa-34392	65	6	motivated	motivate	VERB
cjfa-34392	65	7	to	to	PART
cjfa-34392	65	8	adopt	adopt	VERB
cjfa-34392	65	9	new	new	ADJ
cjfa-34392	65	10	technology	technology	NOUN
cjfa-34392	65	11	if	if	SCONJ
cjfa-34392	65	12	they	they	PRON
cjfa-34392	65	13	realize	realize	VERB
cjfa-34392	65	14	that	that	SCONJ
cjfa-34392	65	15	this	this	DET
cjfa-34392	65	16	technology	technology	NOUN
cjfa-34392	65	17	is	be	AUX
cjfa-34392	65	18	more	more	ADV
cjfa-34392	65	19	advantageous	advantageous	ADJ
cjfa-34392	65	20	in	in	ADP
cjfa-34392	65	21	their	their	PRON
cjfa-34392	65	22	every	every	DET
cjfa-34392	65	23	working	work	VERB
cjfa-34392	65	24	day	day	NOUN
cjfa-34392	65	25	.	.	PUNCT
cjfa-34392	66	1	previous	previous	ADJ
cjfa-34392	66	2	studies	study	NOUN
cjfa-34392	66	3	(	(	PUNCT
cjfa-34392	66	4	brandl	brandl	PROPN
cjfa-34392	66	5	&	&	CCONJ
cjfa-34392	66	6	hornuf	hornuf	PROPN
cjfa-34392	66	7	,	,	PUNCT
cjfa-34392	66	8	2017	2017	NUM
cjfa-34392	66	9	)	)	PUNCT
cjfa-34392	66	10	proved	prove	VERB
cjfa-34392	66	11	that	that	SCONJ
cjfa-34392	66	12	pe	pe	PROPN
cjfa-34392	66	13	can	can	AUX
cjfa-34392	66	14	be	be	AUX
cjfa-34392	66	15	a	a	DET
cjfa-34392	66	16	vital	vital	ADJ
cjfa-34392	66	17	factor	factor	NOUN
cjfa-34392	66	18	for	for	ADP
cjfa-34392	66	19	the	the	DET
cjfa-34392	66	20	users	user	NOUN
cjfa-34392	66	21	’	’	PART
cjfa-34392	66	22	behavior	behavior	NOUN
cjfa-34392	66	23	intention	intention	NOUN
cjfa-34392	66	24	to	to	PART
cjfa-34392	66	25	use	use	VERB
cjfa-34392	66	26	new	new	ADJ
cjfa-34392	66	27	technology	technology	NOUN
cjfa-34392	66	28	.	.	PUNCT
cjfa-34392	67	1	empirical	empirical	ADJ
cjfa-34392	67	2	studies	study	NOUN
cjfa-34392	67	3	also	also	ADV
cjfa-34392	67	4	demonstrated	demonstrate	VERB
cjfa-34392	67	5	that	that	SCONJ
cjfa-34392	67	6	the	the	DET
cjfa-34392	67	7	more	more	ADJ
cjfa-34392	67	8	users	user	NOUN
cjfa-34392	67	9	would	would	AUX
cjfa-34392	67	10	adopt	adopt	VERB
cjfa-34392	67	11	the	the	DET
cjfa-34392	67	12	higher	high	ADJ
cjfa-34392	67	13	the	the	DET
cjfa-34392	67	14	pe	pe	NOUN
cjfa-34392	67	15	,	,	PUNCT
cjfa-34392	67	16	the	the	DET
cjfa-34392	67	17	more	more	ADV
cjfa-34392	67	18	likely	likely	ADJ
cjfa-34392	67	19	new	new	ADJ
cjfa-34392	67	20	technology	technology	NOUN
cjfa-34392	67	21	like	like	ADP
cjfa-34392	67	22	fintech	fintech	NOUN
cjfa-34392	67	23	.	.	PUNCT
cjfa-34392	68	1	nasima	nasima	PROPN
cjfa-34392	68	2	khatun	khatun	PROPN
cjfa-34392	68	3	,	,	PUNCT
cjfa-34392	68	4	marzia	marzia	PROPN
cjfa-34392	68	5	tamanna56	tamanna56	PROPN
cjfa-34392	68	6	h1	h1	PROPN
cjfa-34392	68	7	:	:	PUNCT
cjfa-34392	68	8	performance	performance	NOUN
cjfa-34392	68	9	expectancy	expectancy	NOUN
cjfa-34392	68	10	influences	influence	VERB
cjfa-34392	68	11	the	the	DET
cjfa-34392	68	12	behavioral	behavioral	ADJ
cjfa-34392	68	13	intention	intention	NOUN
cjfa-34392	68	14	to	to	PART
cjfa-34392	68	15	adopt	adopt	VERB
cjfa-34392	68	16	fintech	fintech	NOUN
cjfa-34392	68	17	.	.	PUNCT
cjfa-34392	69	1	effort	effort	NOUN
cjfa-34392	69	2	expectancy	expectancy	NOUN
cjfa-34392	69	3	(	(	PUNCT
cjfa-34392	69	4	ee	ee	NOUN
cjfa-34392	69	5	)	)	PUNCT
cjfa-34392	69	6	effort	effort	NOUN
cjfa-34392	69	7	expectancy	expectancy	NOUN
cjfa-34392	69	8	is	be	AUX
cjfa-34392	69	9	defined	define	VERB
cjfa-34392	69	10	as	as	ADP
cjfa-34392	69	11	the	the	DET
cjfa-34392	69	12	degree	degree	NOUN
cjfa-34392	69	13	of	of	ADP
cjfa-34392	69	14	ease	ease	NOUN
cjfa-34392	69	15	associated	associate	VERB
cjfa-34392	69	16	with	with	ADP
cjfa-34392	69	17	using	use	VERB
cjfa-34392	69	18	the	the	DET
cjfa-34392	69	19	system	system	NOUN
cjfa-34392	69	20	(	(	PUNCT
cjfa-34392	69	21	venkatesh	venkatesh	PROPN
cjfa-34392	69	22	et	et	PROPN
cjfa-34392	69	23	al	al	PROPN
cjfa-34392	69	24	.	.	PROPN
cjfa-34392	69	25	,	,	PUNCT
cjfa-34392	69	26	2003	2003	NUM
cjfa-34392	69	27	)	)	PUNCT
cjfa-34392	69	28	.	.	PUNCT
cjfa-34392	70	1	if	if	SCONJ
cjfa-34392	70	2	using	use	VERB
cjfa-34392	70	3	technology	technology	NOUN
cjfa-34392	70	4	is	be	AUX
cjfa-34392	70	5	clear	clear	ADJ
cjfa-34392	70	6	and	and	CCONJ
cjfa-34392	70	7	understandable	understandable	ADJ
cjfa-34392	70	8	for	for	ADP
cjfa-34392	70	9	users	user	NOUN
cjfa-34392	70	10	,	,	PUNCT
cjfa-34392	70	11	they	they	PRON
cjfa-34392	70	12	feel	feel	VERB
cjfa-34392	70	13	convenient	convenient	ADJ
cjfa-34392	70	14	and	and	CCONJ
cjfa-34392	70	15	simple	simple	ADJ
cjfa-34392	70	16	for	for	ADP
cjfa-34392	70	17	them	they	PRON
cjfa-34392	70	18	and	and	CCONJ
cjfa-34392	70	19	want	want	VERB
cjfa-34392	70	20	to	to	PART
cjfa-34392	70	21	be	be	AUX
cjfa-34392	70	22	connected	connect	VERB
cjfa-34392	70	23	to	to	ADP
cjfa-34392	70	24	that	that	DET
cjfa-34392	70	25	technology	technology	NOUN
cjfa-34392	70	26	.	.	PUNCT
cjfa-34392	71	1	previous	previous	ADJ
cjfa-34392	71	2	studies	study	NOUN
cjfa-34392	71	3	(	(	PUNCT
cjfa-34392	71	4	yongwoon	yongwoon	NOUN
cjfa-34392	71	5	shim	shim	NOUN
cjfa-34392	71	6	,	,	PUNCT
cjfa-34392	71	7	2016	2016	NUM
cjfa-34392	71	8	)	)	PUNCT
cjfa-34392	71	9	identified	identify	VERB
cjfa-34392	71	10	that	that	SCONJ
cjfa-34392	71	11	ee	ee	PROPN
cjfa-34392	71	12	is	be	AUX
cjfa-34392	71	13	an	an	DET
cjfa-34392	71	14	important	important	ADJ
cjfa-34392	71	15	factor	factor	NOUN
cjfa-34392	71	16	affecting	affect	VERB
cjfa-34392	71	17	the	the	DET
cjfa-34392	71	18	users	user	NOUN
cjfa-34392	71	19	’	'	PUNCT
cjfa-34392	71	20	behavioral	behavioral	ADJ
cjfa-34392	71	21	intention	intention	NOUN
cjfa-34392	71	22	to	to	PART
cjfa-34392	71	23	use	use	VERB
cjfa-34392	71	24	technology	technology	NOUN
cjfa-34392	71	25	.	.	PUNCT
cjfa-34392	72	1	h2	h2	NOUN
cjfa-34392	72	2	:	:	PUNCT
cjfa-34392	72	3	effort	effort	NOUN
cjfa-34392	72	4	expectancy	expectancy	NOUN
cjfa-34392	72	5	has	have	VERB
cjfa-34392	72	6	a	a	DET
cjfa-34392	72	7	positive	positive	ADJ
cjfa-34392	72	8	influence	influence	NOUN
cjfa-34392	72	9	on	on	ADP
cjfa-34392	72	10	the	the	DET
cjfa-34392	72	11	behavioral	behavioral	ADJ
cjfa-34392	72	12	intention	intention	NOUN
cjfa-34392	72	13	of	of	ADP
cjfa-34392	72	14	the	the	DET
cjfa-34392	72	15	users	user	NOUN
cjfa-34392	72	16	to	to	PART
cjfa-34392	72	17	adopt	adopt	VERB
cjfa-34392	72	18	fintech	fintech	NOUN
cjfa-34392	72	19	.	.	PUNCT
cjfa-34392	73	1	social	social	ADJ
cjfa-34392	73	2	influence	influence	NOUN
cjfa-34392	73	3	(	(	PUNCT
cjfa-34392	73	4	si	si	X
cjfa-34392	73	5	)	)	PUNCT
cjfa-34392	73	6	in	in	ADP
cjfa-34392	73	7	accordance	accordance	NOUN
cjfa-34392	73	8	with	with	ADP
cjfa-34392	73	9	(	(	PUNCT
cjfa-34392	73	10	venkatesh	venkatesh	PROPN
cjfa-34392	73	11	et	et	PROPN
cjfa-34392	73	12	al	al	PROPN
cjfa-34392	73	13	.	.	PROPN
cjfa-34392	73	14	,	,	PUNCT
cjfa-34392	73	15	2003	2003	NUM
cjfa-34392	73	16	)	)	PUNCT
cjfa-34392	73	17	social	social	ADJ
cjfa-34392	73	18	influence	influence	NOUN
cjfa-34392	73	19	is	be	AUX
cjfa-34392	73	20	defined	define	VERB
cjfa-34392	73	21	as	as	ADP
cjfa-34392	73	22	the	the	DET
cjfa-34392	73	23	degree	degree	NOUN
cjfa-34392	73	24	to	to	PART
cjfa-34392	73	25	which	which	PRON
cjfa-34392	73	26	an	an	DET
cjfa-34392	73	27	individual	individual	NOUN
cjfa-34392	73	28	perceives	perceive	VERB
cjfa-34392	73	29	that	that	SCONJ
cjfa-34392	73	30	significant	significant	ADJ
cjfa-34392	73	31	others	other	NOUN
cjfa-34392	73	32	believe	believe	VERB
cjfa-34392	73	33	they	they	PRON
cjfa-34392	73	34	should	should	AUX
cjfa-34392	73	35	use	use	VERB
cjfa-34392	73	36	a	a	DET
cjfa-34392	73	37	new	new	ADJ
cjfa-34392	73	38	system	system	NOUN
cjfa-34392	73	39	.	.	PUNCT
cjfa-34392	74	1	generally	generally	ADV
cjfa-34392	74	2	,	,	PUNCT
cjfa-34392	74	3	people	people	NOUN
cjfa-34392	74	4	surrounding	surround	VERB
cjfa-34392	74	5	the	the	DET
cjfa-34392	74	6	environment	environment	NOUN
cjfa-34392	74	7	can	can	AUX
cjfa-34392	74	8	play	play	VERB
cjfa-34392	74	9	a	a	DET
cjfa-34392	74	10	vital	vital	ADJ
cjfa-34392	74	11	role	role	NOUN
cjfa-34392	74	12	in	in	ADP
cjfa-34392	74	13	changing	change	VERB
cjfa-34392	74	14	behavior	behavior	NOUN
cjfa-34392	74	15	.	.	PUNCT
cjfa-34392	75	1	similarly	similarly	ADV
cjfa-34392	75	2	,	,	PUNCT
cjfa-34392	75	3	institutions	institution	NOUN
cjfa-34392	75	4	in	in	ADP
cjfa-34392	75	5	the	the	DET
cjfa-34392	75	6	same	same	ADJ
cjfa-34392	75	7	industry	industry	NOUN
cjfa-34392	75	8	may	may	AUX
cjfa-34392	75	9	act	act	VERB
cjfa-34392	75	10	as	as	ADP
cjfa-34392	75	11	role	role	NOUN
cjfa-34392	75	12	players	player	NOUN
cjfa-34392	75	13	in	in	ADP
cjfa-34392	75	14	contributing	contribute	VERB
cjfa-34392	75	15	to	to	ADP
cjfa-34392	75	16	fintech	fintech	NOUN
cjfa-34392	75	17	adoption	adoption	NOUN
cjfa-34392	75	18	.	.	PUNCT
cjfa-34392	76	1	we	we	PRON
cjfa-34392	76	2	picked	pick	VERB
cjfa-34392	76	3	social	social	ADJ
cjfa-34392	76	4	influence	influence	NOUN
cjfa-34392	76	5	as	as	ADP
cjfa-34392	76	6	one	one	NUM
cjfa-34392	76	7	of	of	ADP
cjfa-34392	76	8	the	the	DET
cjfa-34392	76	9	vital	vital	ADJ
cjfa-34392	76	10	factors	factor	NOUN
cjfa-34392	76	11	to	to	PART
cjfa-34392	76	12	analyze	analyze	VERB
cjfa-34392	76	13	whether	whether	SCONJ
cjfa-34392	76	14	fintech	fintech	NOUN
cjfa-34392	76	15	adoption	adoption	NOUN
cjfa-34392	76	16	of	of	ADP
cjfa-34392	76	17	the	the	DET
cjfa-34392	76	18	related	relate	VERB
cjfa-34392	76	19	organizations	organization	NOUN
cjfa-34392	76	20	influences	influence	VERB
cjfa-34392	76	21	behavior	behavior	NOUN
cjfa-34392	76	22	intention	intention	NOUN
cjfa-34392	76	23	to	to	ADP
cjfa-34392	76	24	fintech	fintech	NOUN
cjfa-34392	76	25	users	user	NOUN
cjfa-34392	76	26	.	.	PUNCT
cjfa-34392	77	1	h3	h3	NOUN
cjfa-34392	77	2	:	:	PUNCT
cjfa-34392	77	3	social	social	ADJ
cjfa-34392	77	4	influence	influence	NOUN
cjfa-34392	77	5	positively	positively	ADV
cjfa-34392	77	6	influences	influence	VERB
cjfa-34392	77	7	the	the	DET
cjfa-34392	77	8	behavioral	behavioral	ADJ
cjfa-34392	77	9	intention	intention	NOUN
cjfa-34392	77	10	to	to	PART
cjfa-34392	77	11	adopt	adopt	VERB
cjfa-34392	77	12	fintech	fintech	NOUN
cjfa-34392	77	13	facilitating	facilitate	VERB
cjfa-34392	77	14	condition	condition	NOUN
cjfa-34392	77	15	(	(	PUNCT
cjfa-34392	77	16	fc	fc	INTJ
cjfa-34392	77	17	)	)	PUNCT
cjfa-34392	77	18	facilitating	facilitate	VERB
cjfa-34392	77	19	condition	condition	NOUN
cjfa-34392	77	20	is	be	AUX
cjfa-34392	77	21	defined	define	VERB
cjfa-34392	77	22	as	as	ADP
cjfa-34392	77	23	the	the	DET
cjfa-34392	77	24	degree	degree	NOUN
cjfa-34392	77	25	to	to	PART
cjfa-34392	77	26	which	which	PRON
cjfa-34392	77	27	an	an	DET
cjfa-34392	77	28	individual	individual	NOUN
cjfa-34392	77	29	believes	believe	VERB
cjfa-34392	77	30	that	that	SCONJ
cjfa-34392	77	31	an	an	DET
cjfa-34392	77	32	organization	organization	NOUN
cjfa-34392	77	33	and	and	CCONJ
cjfa-34392	77	34	technical	technical	ADJ
cjfa-34392	77	35	infrastructure	infrastructure	NOUN
cjfa-34392	77	36	exist	exist	VERB
cjfa-34392	77	37	to	to	PART
cjfa-34392	77	38	support	support	VERB
cjfa-34392	77	39	system	system	NOUN
cjfa-34392	77	40	use	use	NOUN
cjfa-34392	77	41	(	(	PUNCT
cjfa-34392	77	42	venkatesh	venkatesh	PROPN
cjfa-34392	77	43	et	et	PROPN
cjfa-34392	77	44	al	al	PROPN
cjfa-34392	77	45	.	.	PROPN
cjfa-34392	77	46	,	,	PUNCT
cjfa-34392	77	47	2003	2003	NUM
cjfa-34392	77	48	)	)	PUNCT
cjfa-34392	77	49	.	.	PUNCT
cjfa-34392	78	1	as	as	SCONJ
cjfa-34392	78	2	we	we	PRON
cjfa-34392	78	3	know	know	VERB
cjfa-34392	78	4	,	,	PUNCT
cjfa-34392	78	5	financial	financial	ADJ
cjfa-34392	78	6	institutions	institution	NOUN
cjfa-34392	78	7	get	get	VERB
cjfa-34392	78	8	fintech	fintech	NOUN
cjfa-34392	78	9	support	support	NOUN
cjfa-34392	78	10	from	from	ADP
cjfa-34392	78	11	information	information	NOUN
cjfa-34392	78	12	technology	technology	NOUN
cjfa-34392	78	13	(	(	PUNCT
cjfa-34392	78	14	it	it	PRON
cjfa-34392	78	15	)	)	PUNCT
cjfa-34392	78	16	based	base	VERB
cjfa-34392	78	17	firms	firm	NOUN
cjfa-34392	78	18	;	;	PUNCT
cjfa-34392	78	19	with	with	ADP
cjfa-34392	78	20	the	the	DET
cjfa-34392	78	21	help	help	NOUN
cjfa-34392	78	22	of	of	ADP
cjfa-34392	78	23	this	this	DET
cjfa-34392	78	24	factor	factor	NOUN
cjfa-34392	78	25	,	,	PUNCT
cjfa-34392	78	26	we	we	PRON
cjfa-34392	78	27	tried	try	VERB
cjfa-34392	78	28	to	to	PART
cjfa-34392	78	29	focus	focus	VERB
cjfa-34392	78	30	on	on	ADP
cjfa-34392	78	31	whether	whether	SCONJ
cjfa-34392	78	32	the	the	DET
cjfa-34392	78	33	employees	employee	NOUN
cjfa-34392	78	34	or	or	CCONJ
cjfa-34392	78	35	users	user	NOUN
cjfa-34392	78	36	of	of	ADP
cjfa-34392	78	37	fintech	fintech	NOUN
cjfa-34392	78	38	get	get	VERB
cjfa-34392	78	39	all	all	DET
cjfa-34392	78	40	the	the	DET
cjfa-34392	78	41	supports	support	NOUN
cjfa-34392	78	42	from	from	ADP
cjfa-34392	78	43	the	the	DET
cjfa-34392	78	44	facilitator	facilitator	NOUN
cjfa-34392	78	45	firms	firm	NOUN
cjfa-34392	78	46	even	even	ADV
cjfa-34392	78	47	when	when	SCONJ
cjfa-34392	78	48	they	they	PRON
cjfa-34392	78	49	face	face	VERB
cjfa-34392	78	50	difficulty	difficulty	NOUN
cjfa-34392	78	51	in	in	ADP
cjfa-34392	78	52	using	use	VERB
cjfa-34392	78	53	technology	technology	NOUN
cjfa-34392	78	54	.	.	PUNCT
cjfa-34392	79	1	previous	previous	ADJ
cjfa-34392	79	2	studies	study	NOUN
cjfa-34392	79	3	(	(	PUNCT
cjfa-34392	79	4	steele	steele	PROPN
cjfa-34392	79	5	,	,	PUNCT
cjfa-34392	79	6	secombe	secombe	PROPN
cjfa-34392	79	7	&	&	CCONJ
cjfa-34392	79	8	wong	wong	PROPN
cjfa-34392	79	9	,	,	PUNCT
cjfa-34392	79	10	2009	2009	NUM
cjfa-34392	79	11	)	)	PUNCT
cjfa-34392	79	12	found	find	VERB
cjfa-34392	79	13	that	that	SCONJ
cjfa-34392	79	14	fc	fc	PROPN
cjfa-34392	79	15	can	can	AUX
cjfa-34392	79	16	act	act	VERB
cjfa-34392	79	17	as	as	ADP
cjfa-34392	79	18	factors	factor	NOUN
cjfa-34392	79	19	affecting	affect	VERB
cjfa-34392	79	20	the	the	DET
cjfa-34392	79	21	adoption	adoption	NOUN
cjfa-34392	79	22	of	of	ADP
cjfa-34392	79	23	fintech	fintech	NOUN
cjfa-34392	79	24	…	…	PUNCT
cjfa-34392	79	25	57	57	NUM
cjfa-34392	79	26	a	a	DET
cjfa-34392	79	27	core	core	NOUN
cjfa-34392	79	28	component	component	NOUN
cjfa-34392	79	29	of	of	ADP
cjfa-34392	79	30	perceived	perceive	VERB
cjfa-34392	79	31	behavior	behavior	NOUN
cjfa-34392	79	32	,	,	PUNCT
cjfa-34392	79	33	especially	especially	ADV
cjfa-34392	79	34	when	when	SCONJ
cjfa-34392	79	35	the	the	DET
cjfa-34392	79	36	facilitating	facilitate	VERB
cjfa-34392	79	37	firms	firm	NOUN
cjfa-34392	79	38	provide	provide	VERB
cjfa-34392	79	39	a	a	DET
cjfa-34392	79	40	significant	significant	ADJ
cjfa-34392	79	41	level	level	NOUN
cjfa-34392	79	42	of	of	ADP
cjfa-34392	79	43	support	support	NOUN
cjfa-34392	79	44	to	to	ADP
cjfa-34392	79	45	the	the	DET
cjfa-34392	79	46	user	user	NOUN
cjfa-34392	79	47	firms	firm	NOUN
cjfa-34392	79	48	.	.	PUNCT
cjfa-34392	80	1	h4	h4	NOUN
cjfa-34392	80	2	:	:	PUNCT
cjfa-34392	80	3	facilitating	facilitate	VERB
cjfa-34392	80	4	condition	condition	NOUN
cjfa-34392	80	5	positively	positively	ADV
cjfa-34392	80	6	influences	influence	VERB
cjfa-34392	80	7	the	the	DET
cjfa-34392	80	8	behavioral	behavioral	ADJ
cjfa-34392	80	9	intention	intention	NOUN
cjfa-34392	80	10	to	to	PART
cjfa-34392	80	11	adopt	adopt	VERB
cjfa-34392	80	12	fintech	fintech	NOUN
cjfa-34392	80	13	perceived	perceive	VERB
cjfa-34392	80	14	reliability	reliability	NOUN
cjfa-34392	80	15	(	(	PUNCT
cjfa-34392	80	16	pr	pr	NOUN
cjfa-34392	80	17	)	)	PUNCT
cjfa-34392	80	18	perceived	perceive	VERB
cjfa-34392	80	19	reliability	reliability	NOUN
cjfa-34392	80	20	can	can	AUX
cjfa-34392	80	21	be	be	AUX
cjfa-34392	80	22	defined	define	VERB
cjfa-34392	80	23	as	as	ADP
cjfa-34392	80	24	the	the	DET
cjfa-34392	80	25	degree	degree	NOUN
cjfa-34392	80	26	to	to	PART
cjfa-34392	80	27	which	which	PRON
cjfa-34392	80	28	a	a	DET
cjfa-34392	80	29	user	user	NOUN
cjfa-34392	80	30	believes	believe	VERB
cjfa-34392	80	31	that	that	SCONJ
cjfa-34392	80	32	with	with	ADP
cjfa-34392	80	33	the	the	DET
cjfa-34392	80	34	help	help	NOUN
cjfa-34392	80	35	of	of	ADP
cjfa-34392	80	36	new	new	ADJ
cjfa-34392	80	37	technology	technology	NOUN
cjfa-34392	80	38	,	,	PUNCT
cjfa-34392	80	39	she	she	PRON
cjfa-34392	80	40	will	will	AUX
cjfa-34392	80	41	perform	perform	VERB
cjfa-34392	80	42	a	a	DET
cjfa-34392	80	43	job	job	NOUN
cjfa-34392	80	44	consistently	consistently	ADV
cjfa-34392	80	45	and	and	CCONJ
cjfa-34392	80	46	accurately	accurately	ADV
cjfa-34392	80	47	(	(	PUNCT
cjfa-34392	80	48	lee	lee	PROPN
cjfa-34392	80	49	,	,	PUNCT
cjfa-34392	80	50	lee	lee	PROPN
cjfa-34392	80	51	&	&	CCONJ
cjfa-34392	80	52	eastwood	eastwood	PROPN
cjfa-34392	80	53	,	,	PUNCT
cjfa-34392	80	54	2003	2003	NUM
cjfa-34392	80	55	)	)	PUNCT
cjfa-34392	80	56	.	.	PUNCT
cjfa-34392	81	1	it	it	PRON
cjfa-34392	81	2	is	be	AUX
cjfa-34392	81	3	the	the	DET
cjfa-34392	81	4	perception	perception	NOUN
cjfa-34392	81	5	of	of	ADP
cjfa-34392	81	6	confidence	confidence	NOUN
cjfa-34392	81	7	and	and	CCONJ
cjfa-34392	81	8	trust	trust	NOUN
cjfa-34392	81	9	of	of	ADP
cjfa-34392	81	10	the	the	DET
cjfa-34392	81	11	users	user	NOUN
cjfa-34392	81	12	while	while	SCONJ
cjfa-34392	81	13	interacting	interact	VERB
cjfa-34392	81	14	with	with	ADP
cjfa-34392	81	15	new	new	ADJ
cjfa-34392	81	16	technology	technology	NOUN
cjfa-34392	81	17	.	.	PUNCT
cjfa-34392	82	1	the	the	DET
cjfa-34392	82	2	service	service	NOUN
cjfa-34392	82	3	providers	provider	NOUN
cjfa-34392	82	4	promise	promise	VERB
cjfa-34392	82	5	this	this	DET
cjfa-34392	82	6	trustworthiness	trustworthiness	NOUN
cjfa-34392	82	7	.	.	PUNCT
cjfa-34392	83	1	to	to	AUX
cjfa-34392	83	2	cross	cross	VERB
cjfa-34392	83	3	-	-	VERB
cjfa-34392	83	4	check	check	VERB
cjfa-34392	83	5	the	the	DET
cjfa-34392	83	6	variable	variable	ADJ
cjfa-34392	83	7	impact	impact	NOUN
cjfa-34392	83	8	on	on	ADP
cjfa-34392	83	9	the	the	DET
cjfa-34392	83	10	fintech	fintech	NOUN
cjfa-34392	83	11	users	user	NOUN
cjfa-34392	83	12	,	,	PUNCT
cjfa-34392	83	13	we	we	PRON
cjfa-34392	83	14	questioned	question	VERB
cjfa-34392	83	15	whether	whether	SCONJ
cjfa-34392	83	16	they	they	PRON
cjfa-34392	83	17	acquire	acquire	VERB
cjfa-34392	83	18	exact	exact	ADJ
cjfa-34392	83	19	and	and	CCONJ
cjfa-34392	83	20	error	error	NOUN
cjfa-34392	83	21	-	-	PUNCT
cjfa-34392	83	22	free	free	ADJ
cjfa-34392	83	23	fintech	fintech	NOUN
cjfa-34392	83	24	services	service	NOUN
cjfa-34392	83	25	from	from	ADP
cjfa-34392	83	26	the	the	DET
cjfa-34392	83	27	it	it	PRON
cjfa-34392	83	28	firms	firm	NOUN
cjfa-34392	83	29	,	,	PUNCT
cjfa-34392	83	30	whether	whether	SCONJ
cjfa-34392	83	31	the	the	DET
cjfa-34392	83	32	service	service	NOUN
cjfa-34392	83	33	is	be	AUX
cjfa-34392	83	34	consistent	consistent	ADJ
cjfa-34392	83	35	over	over	ADP
cjfa-34392	83	36	time	time	NOUN
cjfa-34392	83	37	.	.	PUNCT
cjfa-34392	84	1	if	if	SCONJ
cjfa-34392	84	2	the	the	DET
cjfa-34392	84	3	users	user	NOUN
cjfa-34392	84	4	get	get	VERB
cjfa-34392	84	5	support	support	NOUN
cjfa-34392	84	6	and	and	CCONJ
cjfa-34392	84	7	feel	feel	VERB
cjfa-34392	84	8	the	the	DET
cjfa-34392	84	9	system	system	NOUN
cjfa-34392	84	10	is	be	AUX
cjfa-34392	84	11	user	user	NOUN
cjfa-34392	84	12	-	-	PUNCT
cjfa-34392	84	13	friendly	friendly	ADJ
cjfa-34392	84	14	,	,	PUNCT
cjfa-34392	84	15	they	they	PRON
cjfa-34392	84	16	will	will	AUX
cjfa-34392	84	17	perceive	perceive	VERB
cjfa-34392	84	18	fintech	fintech	NOUN
cjfa-34392	84	19	as	as	ADP
cjfa-34392	84	20	reliable	reliable	ADJ
cjfa-34392	84	21	and	and	CCONJ
cjfa-34392	84	22	trustworthy	trustworthy	ADJ
cjfa-34392	84	23	.	.	PUNCT
cjfa-34392	85	1	so	so	ADV
cjfa-34392	85	2	,	,	PUNCT
cjfa-34392	85	3	this	this	DET
cjfa-34392	85	4	factor	factor	NOUN
cjfa-34392	85	5	can	can	AUX
cjfa-34392	85	6	be	be	AUX
cjfa-34392	85	7	a	a	DET
cjfa-34392	85	8	crucial	crucial	ADJ
cjfa-34392	85	9	determinant	determinant	ADJ
cjfa-34392	85	10	influencing	influence	VERB
cjfa-34392	85	11	the	the	DET
cjfa-34392	85	12	behavioral	behavioral	ADJ
cjfa-34392	85	13	intention	intention	NOUN
cjfa-34392	85	14	to	to	PART
cjfa-34392	85	15	use	use	VERB
cjfa-34392	85	16	and	and	CCONJ
cjfa-34392	85	17	consequently	consequently	ADV
cjfa-34392	85	18	to	to	ADP
cjfa-34392	85	19	the	the	DET
cjfa-34392	85	20	actual	actual	ADJ
cjfa-34392	85	21	usage	usage	NOUN
cjfa-34392	85	22	of	of	ADP
cjfa-34392	85	23	this	this	DET
cjfa-34392	85	24	technology	technology	NOUN
cjfa-34392	85	25	.	.	PUNCT
cjfa-34392	86	1	h5	h5	PROPN
cjfa-34392	86	2	:	:	PUNCT
cjfa-34392	86	3	perceived	perceive	VERB
cjfa-34392	86	4	reliability	reliability	NOUN
cjfa-34392	86	5	positively	positively	ADV
cjfa-34392	86	6	influences	influence	VERB
cjfa-34392	86	7	the	the	DET
cjfa-34392	86	8	behavioral	behavioral	ADJ
cjfa-34392	86	9	intention	intention	NOUN
cjfa-34392	86	10	to	to	PART
cjfa-34392	86	11	adopt	adopt	VERB
cjfa-34392	86	12	fintech	fintech	NOUN
cjfa-34392	86	13	added	add	VERB
cjfa-34392	86	14	value	value	NOUN
cjfa-34392	86	15	(	(	PUNCT
cjfa-34392	86	16	av	av	NOUN
cjfa-34392	86	17	)	)	PUNCT
cjfa-34392	86	18	the	the	DET
cjfa-34392	86	19	users	user	NOUN
cjfa-34392	86	20	’	’	PART
cjfa-34392	86	21	cognitive	cognitive	ADJ
cjfa-34392	86	22	trade	trade	NOUN
cjfa-34392	86	23	-	-	PUNCT
cjfa-34392	86	24	off	off	NOUN
cjfa-34392	86	25	between	between	ADP
cjfa-34392	86	26	the	the	DET
cjfa-34392	86	27	perceived	perceive	VERB
cjfa-34392	86	28	benefits	benefit	NOUN
cjfa-34392	86	29	of	of	ADP
cjfa-34392	86	30	the	the	DET
cjfa-34392	86	31	applications	application	NOUN
cjfa-34392	86	32	and	and	CCONJ
cjfa-34392	86	33	the	the	DET
cjfa-34392	86	34	monetary	monetary	ADJ
cjfa-34392	86	35	cost	cost	NOUN
cjfa-34392	86	36	for	for	ADP
cjfa-34392	86	37	using	use	VERB
cjfa-34392	86	38	them	they	PRON
cjfa-34392	86	39	is	be	AUX
cjfa-34392	86	40	defined	define	VERB
cjfa-34392	86	41	as	as	ADP
cjfa-34392	86	42	the	the	DET
cjfa-34392	86	43	price	price	NOUN
cjfa-34392	86	44	added	add	VERB
cjfa-34392	86	45	value	value	NOUN
cjfa-34392	86	46	(	(	PUNCT
cjfa-34392	86	47	venkatesh	venkatesh	PROPN
cjfa-34392	86	48	et	et	PROPN
cjfa-34392	86	49	al	al	PROPN
cjfa-34392	86	50	.	.	PROPN
cjfa-34392	86	51	,	,	PUNCT
cjfa-34392	86	52	2012	2012	NUM
cjfa-34392	86	53	)	)	PUNCT
cjfa-34392	86	54	.	.	PUNCT
cjfa-34392	87	1	generally	generally	ADV
cjfa-34392	87	2	,	,	PUNCT
cjfa-34392	87	3	users	user	NOUN
cjfa-34392	87	4	tend	tend	VERB
cjfa-34392	87	5	to	to	PART
cjfa-34392	87	6	compare	compare	VERB
cjfa-34392	87	7	their	their	PRON
cjfa-34392	87	8	prices	price	NOUN
cjfa-34392	87	9	for	for	ADP
cjfa-34392	87	10	the	the	DET
cjfa-34392	87	11	technology	technology	NOUN
cjfa-34392	87	12	and	and	CCONJ
cjfa-34392	87	13	benefits	benefit	NOUN
cjfa-34392	87	14	they	they	PRON
cjfa-34392	87	15	receive	receive	VERB
cjfa-34392	87	16	from	from	ADP
cjfa-34392	87	17	that	that	DET
cjfa-34392	87	18	technology	technology	NOUN
cjfa-34392	87	19	.	.	PUNCT
cjfa-34392	88	1	even	even	ADV
cjfa-34392	88	2	though	though	SCONJ
cjfa-34392	88	3	this	this	DET
cjfa-34392	88	4	factor	factor	NOUN
cjfa-34392	88	5	was	be	AUX
cjfa-34392	88	6	neglected	neglect	VERB
cjfa-34392	88	7	in	in	ADP
cjfa-34392	88	8	some	some	DET
cjfa-34392	88	9	studies	study	NOUN
cjfa-34392	88	10	(	(	PUNCT
cjfa-34392	88	11	zavolokina	zavolokina	PROPN
cjfa-34392	88	12	,	,	PUNCT
cjfa-34392	88	13	dolata	dolata	PROPN
cjfa-34392	88	14	&	&	CCONJ
cjfa-34392	88	15	schwabe	schwabe	NOUN
cjfa-34392	88	16	,	,	PUNCT
cjfa-34392	88	17	2016	2016	NUM
cjfa-34392	88	18	)	)	PUNCT
cjfa-34392	88	19	we	we	PRON
cjfa-34392	88	20	chose	choose	VERB
cjfa-34392	88	21	this	this	DET
cjfa-34392	88	22	factor	factor	NOUN
cjfa-34392	88	23	to	to	PART
cjfa-34392	88	24	identify	identify	VERB
cjfa-34392	88	25	whether	whether	SCONJ
cjfa-34392	88	26	the	the	DET
cjfa-34392	88	27	value	value	NOUN
cjfa-34392	88	28	added	add	VERB
cjfa-34392	88	29	in	in	ADP
cjfa-34392	88	30	financial	financial	ADJ
cjfa-34392	88	31	institutions	institution	NOUN
cjfa-34392	88	32	by	by	ADP
cjfa-34392	88	33	using	use	VERB
cjfa-34392	88	34	fintech	fintech	NOUN
cjfa-34392	88	35	is	be	AUX
cjfa-34392	88	36	significant	significant	ADJ
cjfa-34392	88	37	or	or	CCONJ
cjfa-34392	88	38	whether	whether	SCONJ
cjfa-34392	88	39	this	this	DET
cjfa-34392	88	40	monetary	monetary	ADJ
cjfa-34392	88	41	cost	cost	NOUN
cjfa-34392	88	42	motivated	motivated	ADJ
cjfa-34392	88	43	employees	employee	NOUN
cjfa-34392	88	44	to	to	PART
cjfa-34392	88	45	use	use	VERB
cjfa-34392	88	46	more	more	ADJ
cjfa-34392	88	47	in	in	ADP
cjfa-34392	88	48	their	their	PRON
cjfa-34392	88	49	daily	daily	ADJ
cjfa-34392	88	50	lives	life	NOUN
cjfa-34392	88	51	working	work	VERB
cjfa-34392	88	52	life	life	NOUN
cjfa-34392	88	53	.	.	PUNCT
cjfa-34392	89	1	we	we	PRON
cjfa-34392	89	2	have	have	AUX
cjfa-34392	89	3	drawn	draw	VERB
cjfa-34392	89	4	the	the	DET
cjfa-34392	89	5	following	follow	VERB
cjfa-34392	89	6	hypothesis	hypothesis	NOUN
cjfa-34392	89	7	:	:	PUNCT
cjfa-34392	89	8	h6	h6	NOUN
cjfa-34392	89	9	:	:	PUNCT
cjfa-34392	89	10	monetary	monetary	ADJ
cjfa-34392	89	11	value	value	NOUN
cjfa-34392	89	12	positively	positively	ADV
cjfa-34392	89	13	influences	influence	VERB
cjfa-34392	89	14	the	the	DET
cjfa-34392	89	15	behavioral	behavioral	ADJ
cjfa-34392	89	16	intention	intention	NOUN
cjfa-34392	89	17	to	to	PART
cjfa-34392	89	18	adopt	adopt	VERB
cjfa-34392	89	19	fintech	fintech	PROPN
cjfa-34392	89	20	nasima	nasima	PROPN
cjfa-34392	89	21	khatun	khatun	PROPN
cjfa-34392	89	22	,	,	PUNCT
cjfa-34392	89	23	marzia	marzia	PROPN
cjfa-34392	89	24	tamanna58	tamanna58	PROPN
cjfa-34392	89	25	self	self	NOUN
cjfa-34392	89	26	-	-	PUNCT
cjfa-34392	89	27	efficacy	efficacy	NOUN
cjfa-34392	89	28	(	(	PUNCT
cjfa-34392	89	29	se	se	X
cjfa-34392	89	30	)	)	PUNCT
cjfa-34392	89	31	if	if	SCONJ
cjfa-34392	89	32	a	a	DET
cjfa-34392	89	33	user	user	NOUN
cjfa-34392	89	34	can	can	AUX
cjfa-34392	89	35	operate	operate	VERB
cjfa-34392	89	36	a	a	DET
cjfa-34392	89	37	task	task	NOUN
cjfa-34392	89	38	using	use	VERB
cjfa-34392	89	39	new	new	ADJ
cjfa-34392	89	40	technology	technology	NOUN
cjfa-34392	89	41	without	without	ADP
cjfa-34392	89	42	others	other	NOUN
cjfa-34392	89	43	’	’	PART
cjfa-34392	89	44	assistance	assistance	NOUN
cjfa-34392	89	45	,	,	PUNCT
cjfa-34392	89	46	we	we	PRON
cjfa-34392	89	47	can	can	AUX
cjfa-34392	89	48	say	say	VERB
cjfa-34392	89	49	that	that	SCONJ
cjfa-34392	89	50	the	the	DET
cjfa-34392	89	51	user	user	NOUN
cjfa-34392	89	52	attained	attain	VERB
cjfa-34392	89	53	self	self	NOUN
cjfa-34392	89	54	-	-	PUNCT
cjfa-34392	89	55	efficacy	efficacy	NOUN
cjfa-34392	89	56	(	(	PUNCT
cjfa-34392	89	57	compeau	compeau	PROPN
cjfa-34392	89	58	&	&	CCONJ
cjfa-34392	89	59	higgins	higgins	PROPN
cjfa-34392	89	60	,	,	PUNCT
cjfa-34392	89	61	1995	1995	NUM
cjfa-34392	89	62	)	)	PUNCT
cjfa-34392	89	63	.	.	PUNCT
cjfa-34392	90	1	if	if	SCONJ
cjfa-34392	90	2	se	se	PROPN
cjfa-34392	90	3	is	be	AUX
cjfa-34392	90	4	not	not	PART
cjfa-34392	90	5	found	find	VERB
cjfa-34392	90	6	at	at	ADP
cjfa-34392	90	7	a	a	DET
cjfa-34392	90	8	satisfactory	satisfactory	ADJ
cjfa-34392	90	9	level	level	NOUN
cjfa-34392	90	10	or	or	CCONJ
cjfa-34392	90	11	if	if	SCONJ
cjfa-34392	90	12	an	an	DET
cjfa-34392	90	13	employee	employee	NOUN
cjfa-34392	90	14	can	can	AUX
cjfa-34392	90	15	not	not	PART
cjfa-34392	90	16	conveniently	conveniently	ADV
cjfa-34392	90	17	use	use	VERB
cjfa-34392	90	18	fintech	fintech	NOUN
cjfa-34392	90	19	,	,	PUNCT
cjfa-34392	90	20	he	he	PRON
cjfa-34392	90	21	or	or	CCONJ
cjfa-34392	90	22	she	she	PRON
cjfa-34392	90	23	will	will	AUX
cjfa-34392	90	24	get	get	VERB
cjfa-34392	90	25	stuck	stick	VERB
cjfa-34392	90	26	in	in	ADP
cjfa-34392	90	27	the	the	DET
cjfa-34392	90	28	workplace	workplace	NOUN
cjfa-34392	90	29	.	.	PUNCT
cjfa-34392	91	1	by	by	ADP
cjfa-34392	91	2	examining	examine	VERB
cjfa-34392	91	3	this	this	DET
cjfa-34392	91	4	factor	factor	NOUN
cjfa-34392	91	5	,	,	PUNCT
cjfa-34392	91	6	we	we	PRON
cjfa-34392	91	7	tried	try	VERB
cjfa-34392	91	8	to	to	PART
cjfa-34392	91	9	conclude	conclude	VERB
cjfa-34392	91	10	whether	whether	SCONJ
cjfa-34392	91	11	the	the	DET
cjfa-34392	91	12	employees	employee	NOUN
cjfa-34392	91	13	are	be	AUX
cjfa-34392	91	14	familiar	familiar	ADJ
cjfa-34392	91	15	with	with	ADP
cjfa-34392	91	16	this	this	DET
cjfa-34392	91	17	new	new	ADJ
cjfa-34392	91	18	technology	technology	NOUN
cjfa-34392	91	19	and	and	CCONJ
cjfa-34392	91	20	at	at	ADP
cjfa-34392	91	21	the	the	DET
cjfa-34392	91	22	same	same	ADJ
cjfa-34392	91	23	time	time	NOUN
cjfa-34392	91	24	whether	whether	SCONJ
cjfa-34392	91	25	they	they	PRON
cjfa-34392	91	26	get	get	VERB
cjfa-34392	91	27	enough	enough	ADJ
cjfa-34392	91	28	time	time	NOUN
cjfa-34392	91	29	to	to	PART
cjfa-34392	91	30	complete	complete	VERB
cjfa-34392	91	31	their	their	PRON
cjfa-34392	91	32	assigned	assign	VERB
cjfa-34392	91	33	task	task	NOUN
cjfa-34392	91	34	for	for	ADP
cjfa-34392	91	35	which	which	PRON
cjfa-34392	91	36	the	the	DET
cjfa-34392	91	37	technology	technology	NOUN
cjfa-34392	91	38	is	be	AUX
cjfa-34392	91	39	provided	provide	VERB
cjfa-34392	91	40	to	to	ADP
cjfa-34392	91	41	them	they	PRON
cjfa-34392	91	42	.	.	PUNCT
cjfa-34392	92	1	h7	h7	NOUN
cjfa-34392	92	2	:	:	PUNCT
cjfa-34392	92	3	self	self	NOUN
cjfa-34392	92	4	-	-	PUNCT
cjfa-34392	92	5	efficacy	efficacy	NOUN
cjfa-34392	92	6	has	have	VERB
cjfa-34392	92	7	a	a	DET
cjfa-34392	92	8	significant	significant	ADJ
cjfa-34392	92	9	influence	influence	NOUN
cjfa-34392	92	10	on	on	ADP
cjfa-34392	92	11	the	the	DET
cjfa-34392	92	12	behavioral	behavioral	ADJ
cjfa-34392	92	13	intention	intention	NOUN
cjfa-34392	92	14	to	to	PART
cjfa-34392	92	15	adopt	adopt	VERB
cjfa-34392	92	16	fintech	fintech	NOUN
cjfa-34392	92	17	nervousness	nervousness	NOUN
cjfa-34392	92	18	(	(	PUNCT
cjfa-34392	92	19	n	n	CCONJ
cjfa-34392	92	20	)	)	PUNCT
cjfa-34392	92	21	if	if	SCONJ
cjfa-34392	92	22	a	a	DET
cjfa-34392	92	23	user	user	NOUN
cjfa-34392	92	24	feels	feel	VERB
cjfa-34392	92	25	that	that	SCONJ
cjfa-34392	92	26	a	a	DET
cjfa-34392	92	27	new	new	ADJ
cjfa-34392	92	28	system	system	NOUN
cjfa-34392	92	29	is	be	AUX
cjfa-34392	92	30	intimidating	intimidate	VERB
cjfa-34392	92	31	or	or	CCONJ
cjfa-34392	92	32	if	if	SCONJ
cjfa-34392	92	33	anxiety	anxiety	NOUN
cjfa-34392	92	34	works	work	VERB
cjfa-34392	92	35	whenever	whenever	SCONJ
cjfa-34392	92	36	he	he	PRON
cjfa-34392	92	37	or	or	CCONJ
cjfa-34392	92	38	she	she	PRON
cjfa-34392	92	39	uses	use	VERB
cjfa-34392	92	40	technology	technology	NOUN
cjfa-34392	92	41	,	,	PUNCT
cjfa-34392	92	42	we	we	PRON
cjfa-34392	92	43	can	can	AUX
cjfa-34392	92	44	say	say	VERB
cjfa-34392	92	45	that	that	SCONJ
cjfa-34392	92	46	this	this	DET
cjfa-34392	92	47	new	new	ADJ
cjfa-34392	92	48	technology	technology	NOUN
cjfa-34392	92	49	creates	create	VERB
cjfa-34392	92	50	nervousness	nervousness	NOUN
cjfa-34392	92	51	in	in	ADP
cjfa-34392	92	52	the	the	DET
cjfa-34392	92	53	users	user	NOUN
cjfa-34392	92	54	,	,	PUNCT
cjfa-34392	92	55	which	which	PRON
cjfa-34392	92	56	may	may	AUX
cjfa-34392	92	57	have	have	VERB
cjfa-34392	92	58	a	a	DET
cjfa-34392	92	59	negative	negative	ADJ
cjfa-34392	92	60	influence	influence	NOUN
cjfa-34392	92	61	on	on	ADP
cjfa-34392	92	62	using	use	VERB
cjfa-34392	92	63	this	this	DET
cjfa-34392	92	64	system	system	NOUN
cjfa-34392	92	65	(	(	PUNCT
cjfa-34392	92	66	compeau	compeau	NOUN
cjfa-34392	92	67	,	,	PUNCT
cjfa-34392	92	68	higgins	higgins	PROPN
cjfa-34392	92	69	&	&	CCONJ
cjfa-34392	92	70	huff	huff	PROPN
cjfa-34392	92	71	,	,	PUNCT
cjfa-34392	92	72	1999	1999	NUM
cjfa-34392	92	73	)	)	PUNCT
cjfa-34392	92	74	.	.	PUNCT
cjfa-34392	93	1	we	we	PRON
cjfa-34392	93	2	wanted	want	VERB
cjfa-34392	93	3	to	to	PART
cjfa-34392	93	4	verify	verify	VERB
cjfa-34392	93	5	whether	whether	SCONJ
cjfa-34392	93	6	employees	employee	NOUN
cjfa-34392	93	7	of	of	ADP
cjfa-34392	93	8	financial	financial	ADJ
cjfa-34392	93	9	sectors	sector	NOUN
cjfa-34392	93	10	feel	feel	VERB
cjfa-34392	93	11	discomfort	discomfort	ADJ
cjfa-34392	93	12	or	or	CCONJ
cjfa-34392	93	13	hesitation	hesitation	NOUN
cjfa-34392	93	14	using	use	VERB
cjfa-34392	93	15	fintech	fintech	NOUN
cjfa-34392	93	16	for	for	ADP
cjfa-34392	93	17	fear	fear	NOUN
cjfa-34392	93	18	of	of	ADP
cjfa-34392	93	19	making	make	VERB
cjfa-34392	93	20	mistakes	mistake	NOUN
cjfa-34392	93	21	that	that	SCONJ
cjfa-34392	93	22	they	they	PRON
cjfa-34392	93	23	may	may	AUX
cjfa-34392	93	24	not	not	PART
cjfa-34392	93	25	correct	correct	VERB
cjfa-34392	93	26	.	.	PUNCT
cjfa-34392	94	1	h8	h8	NOUN
cjfa-34392	94	2	:	:	PUNCT
cjfa-34392	94	3	nervousness	nervousness	NOUN
cjfa-34392	94	4	has	have	VERB
cjfa-34392	94	5	a	a	DET
cjfa-34392	94	6	negative	negative	ADJ
cjfa-34392	94	7	influence	influence	NOUN
cjfa-34392	94	8	on	on	ADP
cjfa-34392	94	9	the	the	DET
cjfa-34392	94	10	behavioral	behavioral	ADJ
cjfa-34392	94	11	intention	intention	NOUN
cjfa-34392	94	12	to	to	PART
cjfa-34392	94	13	adopt	adopt	VERB
cjfa-34392	94	14	fintech	fintech	NOUN
cjfa-34392	94	15	behavioral	behavioral	ADJ
cjfa-34392	94	16	intention	intention	NOUN
cjfa-34392	94	17	(	(	PUNCT
cjfa-34392	94	18	bi	bi	NOUN
cjfa-34392	94	19	)	)	PUNCT
cjfa-34392	94	20	behavioral	behavioral	ADJ
cjfa-34392	94	21	intention	intention	NOUN
cjfa-34392	94	22	is	be	AUX
cjfa-34392	94	23	defined	define	VERB
cjfa-34392	94	24	as	as	ADP
cjfa-34392	94	25	the	the	DET
cjfa-34392	94	26	degree	degree	NOUN
cjfa-34392	94	27	to	to	PART
cjfa-34392	94	28	which	which	PRON
cjfa-34392	94	29	a	a	DET
cjfa-34392	94	30	person	person	NOUN
cjfa-34392	94	31	perceives	perceive	VERB
cjfa-34392	94	32	willingness	willingness	NOUN
cjfa-34392	94	33	to	to	PART
cjfa-34392	94	34	adopt	adopt	VERB
cjfa-34392	94	35	new	new	ADJ
cjfa-34392	94	36	technology	technology	NOUN
cjfa-34392	94	37	(	(	PUNCT
cjfa-34392	94	38	hossain	hossain	PROPN
cjfa-34392	94	39	,	,	PUNCT
cjfa-34392	94	40	2020	2020	NUM
cjfa-34392	94	41	)	)	PUNCT
cjfa-34392	94	42	.	.	PUNCT
cjfa-34392	95	1	it	it	PRON
cjfa-34392	95	2	acts	act	VERB
cjfa-34392	95	3	as	as	ADP
cjfa-34392	95	4	an	an	DET
cjfa-34392	95	5	indicator	indicator	NOUN
cjfa-34392	95	6	of	of	ADP
cjfa-34392	95	7	the	the	DET
cjfa-34392	95	8	actual	actual	ADJ
cjfa-34392	95	9	usage	usage	NOUN
cjfa-34392	95	10	of	of	ADP
cjfa-34392	95	11	fintech	fintech	NOUN
cjfa-34392	95	12	in	in	ADP
cjfa-34392	95	13	the	the	DET
cjfa-34392	95	14	near	near	ADJ
cjfa-34392	95	15	future	future	NOUN
cjfa-34392	95	16	.	.	PUNCT
cjfa-34392	96	1	empirical	empirical	ADJ
cjfa-34392	96	2	studies	study	NOUN
cjfa-34392	96	3	also	also	ADV
cjfa-34392	96	4	found	find	VERB
cjfa-34392	96	5	a	a	DET
cjfa-34392	96	6	strong	strong	ADJ
cjfa-34392	96	7	correlation	correlation	NOUN
cjfa-34392	96	8	between	between	ADP
cjfa-34392	96	9	behavioral	behavioral	ADJ
cjfa-34392	96	10	intention	intention	NOUN
cjfa-34392	96	11	and	and	CCONJ
cjfa-34392	96	12	actual	actual	ADJ
cjfa-34392	96	13	use	use	NOUN
cjfa-34392	96	14	behavior	behavior	NOUN
cjfa-34392	96	15	.	.	PUNCT
cjfa-34392	97	1	we	we	PRON
cjfa-34392	97	2	expected	expect	VERB
cjfa-34392	97	3	that	that	DET
cjfa-34392	97	4	h9	h9	NOUN
cjfa-34392	97	5	:	:	PUNCT
cjfa-34392	97	6	behavioral	behavioral	ADJ
cjfa-34392	97	7	intention	intention	NOUN
cjfa-34392	97	8	has	have	VERB
cjfa-34392	97	9	a	a	DET
cjfa-34392	97	10	significant	significant	ADJ
cjfa-34392	97	11	positive	positive	ADJ
cjfa-34392	97	12	influence	influence	NOUN
cjfa-34392	97	13	on	on	ADP
cjfa-34392	97	14	fintech	fintech	NOUN
cjfa-34392	97	15	usage	usage	NOUN
cjfa-34392	97	16	factors	factor	NOUN
cjfa-34392	97	17	affecting	affect	VERB
cjfa-34392	97	18	the	the	DET
cjfa-34392	97	19	adoption	adoption	NOUN
cjfa-34392	97	20	of	of	ADP
cjfa-34392	97	21	fintech	fintech	NOUN
cjfa-34392	97	22	…	…	PUNCT
cjfa-34392	97	23	59	59	NUM
cjfa-34392	97	24	age	age	NOUN
cjfa-34392	97	25	as	as	ADP
cjfa-34392	97	26	a	a	DET
cjfa-34392	97	27	moderating	moderate	VERB
cjfa-34392	97	28	factor	factor	NOUN
cjfa-34392	97	29	generally	generally	ADV
cjfa-34392	97	30	,	,	PUNCT
cjfa-34392	97	31	age	age	NOUN
cjfa-34392	97	32	,	,	PUNCT
cjfa-34392	97	33	gender	gender	NOUN
cjfa-34392	97	34	,	,	PUNCT
cjfa-34392	97	35	experience	experience	NOUN
cjfa-34392	97	36	,	,	PUNCT
cjfa-34392	97	37	generation	generation	NOUN
cjfa-34392	97	38	,	,	PUNCT
cjfa-34392	97	39	culture	culture	NOUN
cjfa-34392	97	40	,	,	PUNCT
cjfa-34392	97	41	etc	etc	X
cjfa-34392	97	42	.	.	X
cjfa-34392	97	43	,	,	PUNCT
cjfa-34392	97	44	has	have	AUX
cjfa-34392	97	45	been	be	AUX
cjfa-34392	97	46	used	use	VERB
cjfa-34392	97	47	as	as	ADP
cjfa-34392	97	48	a	a	DET
cjfa-34392	97	49	moderating	moderate	VERB
cjfa-34392	97	50	factor	factor	NOUN
cjfa-34392	97	51	in	in	ADP
cjfa-34392	97	52	previous	previous	ADJ
cjfa-34392	97	53	technology	technology	NOUN
cjfa-34392	97	54	adoption	adoption	NOUN
cjfa-34392	97	55	researches	research	VERB
cjfa-34392	97	56	.	.	PUNCT
cjfa-34392	98	1	in	in	ADP
cjfa-34392	98	2	developing	develop	VERB
cjfa-34392	98	3	countries	country	NOUN
cjfa-34392	98	4	,	,	PUNCT
cjfa-34392	98	5	including	include	VERB
cjfa-34392	98	6	bangladesh	bangladesh	NOUN
cjfa-34392	98	7	,	,	PUNCT
cjfa-34392	98	8	it	it	PRON
cjfa-34392	98	9	has	have	AUX
cjfa-34392	98	10	been	be	AUX
cjfa-34392	98	11	found	find	VERB
cjfa-34392	98	12	that	that	SCONJ
cjfa-34392	98	13	women	woman	NOUN
cjfa-34392	98	14	are	be	AUX
cjfa-34392	98	15	reluctant	reluctant	ADJ
cjfa-34392	98	16	to	to	PART
cjfa-34392	98	17	use	use	VERB
cjfa-34392	98	18	new	new	ADJ
cjfa-34392	98	19	technologies	technology	NOUN
cjfa-34392	98	20	compared	compare	VERB
cjfa-34392	98	21	to	to	ADP
cjfa-34392	98	22	men	man	NOUN
cjfa-34392	98	23	.	.	PUNCT
cjfa-34392	99	1	additionally	additionally	ADV
cjfa-34392	99	2	,	,	PUNCT
cjfa-34392	99	3	the	the	DET
cjfa-34392	99	4	young	young	ADJ
cjfa-34392	99	5	generations	generation	NOUN
cjfa-34392	99	6	are	be	AUX
cjfa-34392	99	7	likely	likely	ADJ
cjfa-34392	99	8	to	to	PART
cjfa-34392	99	9	use	use	VERB
cjfa-34392	99	10	new	new	ADJ
cjfa-34392	99	11	technology	technology	NOUN
cjfa-34392	99	12	,	,	PUNCT
cjfa-34392	99	13	whereas	whereas	SCONJ
cjfa-34392	99	14	technophobia	technophobia	PROPN
cjfa-34392	99	15	works	work	VERB
cjfa-34392	99	16	to	to	ADP
cjfa-34392	99	17	aged	aged	ADJ
cjfa-34392	99	18	groups	group	NOUN
cjfa-34392	99	19	.	.	PUNCT
cjfa-34392	100	1	however	however	ADV
cjfa-34392	100	2	,	,	PUNCT
cjfa-34392	100	3	in	in	ADP
cjfa-34392	100	4	our	our	PRON
cjfa-34392	100	5	country	country	NOUN
cjfa-34392	100	6	perspective	perspective	NOUN
cjfa-34392	100	7	,	,	PUNCT
cjfa-34392	100	8	we	we	PRON
cjfa-34392	100	9	observe	observe	VERB
cjfa-34392	100	10	that	that	SCONJ
cjfa-34392	100	11	both	both	CCONJ
cjfa-34392	100	12	male	male	ADJ
cjfa-34392	100	13	and	and	CCONJ
cjfa-34392	100	14	female	female	ADJ
cjfa-34392	100	15	employee	employee	NOUN
cjfa-34392	100	16	ratios	ratio	NOUN
cjfa-34392	100	17	are	be	AUX
cjfa-34392	100	18	almost	almost	ADV
cjfa-34392	100	19	equal	equal	ADJ
cjfa-34392	100	20	and	and	CCONJ
cjfa-34392	100	21	both	both	PRON
cjfa-34392	100	22	are	be	AUX
cjfa-34392	100	23	similarly	similarly	ADV
cjfa-34392	100	24	holding	hold	VERB
cjfa-34392	100	25	all	all	DET
cjfa-34392	100	26	the	the	DET
cjfa-34392	100	27	position	position	NOUN
cjfa-34392	100	28	in	in	ADP
cjfa-34392	100	29	financial	financial	ADJ
cjfa-34392	100	30	institutions	institution	NOUN
cjfa-34392	100	31	;	;	PUNCT
cjfa-34392	100	32	we	we	PRON
cjfa-34392	100	33	preferred	prefer	VERB
cjfa-34392	100	34	age	age	NOUN
cjfa-34392	100	35	as	as	ADP
cjfa-34392	100	36	a	a	DET
cjfa-34392	100	37	moderating	moderate	VERB
cjfa-34392	100	38	factor	factor	NOUN
cjfa-34392	100	39	to	to	PART
cjfa-34392	100	40	evaluate	evaluate	VERB
cjfa-34392	100	41	the	the	DET
cjfa-34392	100	42	strength	strength	NOUN
cjfa-34392	100	43	between	between	ADP
cjfa-34392	100	44	independent	independent	ADJ
cjfa-34392	100	45	variables	variable	NOUN
cjfa-34392	100	46	and	and	CCONJ
cjfa-34392	100	47	dependent	dependent	ADJ
cjfa-34392	100	48	variable	variable	NOUN
cjfa-34392	100	49	ignoring	ignore	VERB
cjfa-34392	100	50	all	all	DET
cjfa-34392	100	51	other	other	ADJ
cjfa-34392	100	52	moderating	moderate	VERB
cjfa-34392	100	53	factors	factor	NOUN
cjfa-34392	100	54	mentioned	mention	VERB
cjfa-34392	100	55	here	here	ADV
cjfa-34392	100	56	.	.	PUNCT
cjfa-34392	101	1	furthermore	furthermore	ADV
cjfa-34392	101	2	,	,	PUNCT
cjfa-34392	101	3	we	we	PRON
cjfa-34392	101	4	cross	cros	VERB
cjfa-34392	101	5	-	-	VERB
cjfa-34392	101	6	checked	check	VERB
cjfa-34392	101	7	whether	whether	SCONJ
cjfa-34392	101	8	the	the	DET
cjfa-34392	101	9	age	age	NOUN
cjfa-34392	101	10	and	and	CCONJ
cjfa-34392	101	11	experience	experience	NOUN
cjfa-34392	101	12	of	of	ADP
cjfa-34392	101	13	the	the	DET
cjfa-34392	101	14	employees	employee	NOUN
cjfa-34392	101	15	are	be	AUX
cjfa-34392	101	16	positively	positively	ADV
cjfa-34392	101	17	related	relate	VERB
cjfa-34392	101	18	and	and	CCONJ
cjfa-34392	101	19	found	find	VERB
cjfa-34392	101	20	that	that	SCONJ
cjfa-34392	101	21	the	the	DET
cjfa-34392	101	22	employees	employee	NOUN
cjfa-34392	101	23	who	who	PRON
cjfa-34392	101	24	are	be	AUX
cjfa-34392	101	25	aged	age	VERB
cjfa-34392	101	26	have	have	VERB
cjfa-34392	101	27	more	more	ADJ
cjfa-34392	101	28	job	job	NOUN
cjfa-34392	101	29	experiences	experience	NOUN
cjfa-34392	101	30	.	.	PUNCT
cjfa-34392	102	1	figure	figure	NOUN
cjfa-34392	102	2	1	1	NUM
cjfa-34392	102	3	.	.	PUNCT
cjfa-34392	102	4	positive	positive	ADJ
cjfa-34392	102	5	relationships	relationship	NOUN
cjfa-34392	102	6	between	between	ADP
cjfa-34392	102	7	age	age	NOUN
cjfa-34392	102	8	and	and	CCONJ
cjfa-34392	102	9	job	job	NOUN
cjfa-34392	102	10	experience	experience	NOUN
cjfa-34392	102	11	figure	figure	NOUN
cjfa-34392	102	12	1	1	NUM
cjfa-34392	102	13	.	.	PUNCT
cjfa-34392	102	14	positive	positive	ADJ
cjfa-34392	102	15	relationships	relationship	NOUN
cjfa-34392	102	16	between	between	ADP
cjfa-34392	102	17	age	age	NOUN
cjfa-34392	102	18	and	and	CCONJ
cjfa-34392	102	19	job	job	NOUN
cjfa-34392	102	20	experience	experience	NOUN
cjfa-34392	102	21	source	source	NOUN
cjfa-34392	102	22	:	:	PUNCT
cjfa-34392	102	23	graph	graph	NOUN
cjfa-34392	102	24	drawn	draw	VERB
cjfa-34392	102	25	by	by	ADP
cjfa-34392	102	26	the	the	DET
cjfa-34392	102	27	authors	author	NOUN
cjfa-34392	102	28	using	use	VERB
cjfa-34392	102	29	spss	spss	PROPN
cjfa-34392	102	30	.	.	PUNCT
cjfa-34392	103	1	our	our	PRON
cjfa-34392	103	2	hypotheses	hypothesis	NOUN
cjfa-34392	103	3	are	be	AUX
cjfa-34392	103	4	:	:	PUNCT
cjfa-34392	103	5	h10	h10	NOUN
cjfa-34392	103	6	:	:	PUNCT
cjfa-34392	103	7	age	age	NOUN
cjfa-34392	103	8	has	have	VERB
cjfa-34392	103	9	a	a	DET
cjfa-34392	103	10	significant	significant	ADJ
cjfa-34392	103	11	moderating	moderate	VERB
cjfa-34392	103	12	role	role	NOUN
cjfa-34392	103	13	in	in	ADP
cjfa-34392	103	14	the	the	DET
cjfa-34392	103	15	relationship	relationship	NOUN
cjfa-34392	103	16	between	between	ADP
cjfa-34392	103	17	performance	performance	NOUN
cjfa-34392	103	18	expectancy	expectancy	NOUN
cjfa-34392	103	19	and	and	CCONJ
cjfa-34392	103	20	behavioral	behavioral	ADJ
cjfa-34392	103	21	intention	intention	NOUN
cjfa-34392	103	22	to	to	PART
cjfa-34392	103	23	adopt	adopt	VERB
cjfa-34392	103	24	fintech	fintech	NOUN
cjfa-34392	103	25	h11	h11	NOUN
cjfa-34392	103	26	:	:	PUNCT
cjfa-34392	103	27	age	age	NOUN
cjfa-34392	103	28	has	have	VERB
cjfa-34392	103	29	a	a	DET
cjfa-34392	103	30	significant	significant	ADJ
cjfa-34392	103	31	moderating	moderate	VERB
cjfa-34392	103	32	role	role	NOUN
cjfa-34392	103	33	in	in	ADP
cjfa-34392	103	34	the	the	DET
cjfa-34392	103	35	relationship	relationship	NOUN
cjfa-34392	103	36	between	between	ADP
cjfa-34392	103	37	effort	effort	NOUN
cjfa-34392	103	38	expectancy	expectancy	NOUN
cjfa-34392	103	39	and	and	CCONJ
cjfa-34392	103	40	behavioral	behavioral	ADJ
cjfa-34392	103	41	intention	intention	NOUN
cjfa-34392	103	42	to	to	PART
cjfa-34392	103	43	adopt	adopt	VERB
cjfa-34392	103	44	fintech	fintech	NOUN
cjfa-34392	103	45	h12	h12	NOUN
cjfa-34392	103	46	:	:	PUNCT
cjfa-34392	103	47	age	age	NOUN
cjfa-34392	103	48	has	have	VERB
cjfa-34392	103	49	a	a	DET
cjfa-34392	103	50	significant	significant	ADJ
cjfa-34392	103	51	moderating	moderate	VERB
cjfa-34392	103	52	role	role	NOUN
cjfa-34392	103	53	in	in	ADP
cjfa-34392	103	54	the	the	DET
cjfa-34392	103	55	relationship	relationship	NOUN
cjfa-34392	103	56	between	between	ADP
cjfa-34392	103	57	social	social	ADJ
cjfa-34392	103	58	influence	influence	NOUN
cjfa-34392	103	59	and	and	CCONJ
cjfa-34392	103	60	behavioral	behavioral	ADJ
cjfa-34392	103	61	intention	intention	NOUN
cjfa-34392	103	62	to	to	PART
cjfa-34392	103	63	adopt	adopt	VERB
cjfa-34392	103	64	fintech	fintech	NOUN
cjfa-34392	103	65	h13	h13	NOUN
cjfa-34392	103	66	:	:	PUNCT
cjfa-34392	103	67	age	age	NOUN
cjfa-34392	103	68	has	have	VERB
cjfa-34392	103	69	a	a	DET
cjfa-34392	103	70	significant	significant	ADJ
cjfa-34392	103	71	moderating	moderate	VERB
cjfa-34392	103	72	role	role	NOUN
cjfa-34392	103	73	in	in	ADP
cjfa-34392	103	74	the	the	DET
cjfa-34392	103	75	relationship	relationship	NOUN
cjfa-34392	103	76	between	between	ADP
cjfa-34392	103	77	facilitating	facilitate	VERB
cjfa-34392	103	78	condition	condition	NOUN
cjfa-34392	103	79	and	and	CCONJ
cjfa-34392	103	80	behavioral	behavioral	ADJ
cjfa-34392	103	81	intention	intention	NOUN
cjfa-34392	103	82	to	to	PART
cjfa-34392	103	83	adopt	adopt	VERB
cjfa-34392	103	84	fintech	fintech	NOUN
cjfa-34392	103	85	h14	h14	NOUN
cjfa-34392	103	86	:	:	PUNCT
cjfa-34392	103	87	age	age	NOUN
cjfa-34392	103	88	has	have	VERB
cjfa-34392	103	89	a	a	DET
cjfa-34392	103	90	significant	significant	ADJ
cjfa-34392	103	91	moderating	moderate	VERB
cjfa-34392	103	92	role	role	NOUN
cjfa-34392	103	93	in	in	ADP
cjfa-34392	103	94	the	the	DET
cjfa-34392	103	95	relationship	relationship	NOUN
cjfa-34392	103	96	between	between	ADP
cjfa-34392	103	97	perceived	perceive	VERB
cjfa-34392	103	98	reliability	reliability	NOUN
cjfa-34392	103	99	and	and	CCONJ
cjfa-34392	103	100	behavioral	behavioral	ADJ
cjfa-34392	103	101	intention	intention	NOUN
cjfa-34392	103	102	to	to	PART
cjfa-34392	103	103	adopt	adopt	VERB
cjfa-34392	103	104	fintech	fintech	NOUN
cjfa-34392	103	105	s	s	PART
cjfa-34392	103	106	o	o	NOUN
cjfa-34392	103	107	u	u	NOUN
cjfa-34392	103	108	r	r	NOUN
cjfa-34392	103	109	c	c	NOUN
cjfa-34392	103	110	e	e	NOUN
cjfa-34392	103	111	:	:	PUNCT
cjfa-34392	103	112	graph	graph	NOUN
cjfa-34392	103	113	drawn	draw	VERB
cjfa-34392	103	114	by	by	ADP
cjfa-34392	103	115	the	the	DET
cjfa-34392	103	116	authors	author	NOUN
cjfa-34392	103	117	using	use	VERB
cjfa-34392	103	118	spss	spss	PROPN
cjfa-34392	103	119	.	.	PUNCT
cjfa-34392	104	1	nasima	nasima	PROPN
cjfa-34392	104	2	khatun	khatun	PROPN
cjfa-34392	104	3	,	,	PUNCT
cjfa-34392	104	4	marzia	marzia	PROPN
cjfa-34392	104	5	tamanna60	tamanna60	NOUN
cjfa-34392	104	6	our	our	PRON
cjfa-34392	104	7	hypotheses	hypothesis	NOUN
cjfa-34392	104	8	are	be	AUX
cjfa-34392	104	9	:	:	PUNCT
cjfa-34392	104	10	h10	h10	NOUN
cjfa-34392	104	11	:	:	PUNCT
cjfa-34392	104	12	age	age	NOUN
cjfa-34392	104	13	has	have	VERB
cjfa-34392	104	14	a	a	DET
cjfa-34392	104	15	significant	significant	ADJ
cjfa-34392	104	16	moderating	moderate	VERB
cjfa-34392	104	17	role	role	NOUN
cjfa-34392	104	18	in	in	ADP
cjfa-34392	104	19	the	the	DET
cjfa-34392	104	20	relationship	relationship	NOUN
cjfa-34392	104	21	between	between	ADP
cjfa-34392	104	22	performance	performance	NOUN
cjfa-34392	104	23	expectancy	expectancy	NOUN
cjfa-34392	104	24	and	and	CCONJ
cjfa-34392	104	25	behavioral	behavioral	ADJ
cjfa-34392	104	26	intention	intention	NOUN
cjfa-34392	104	27	to	to	PART
cjfa-34392	104	28	adopt	adopt	VERB
cjfa-34392	104	29	fintech	fintech	NOUN
cjfa-34392	104	30	h11	h11	NOUN
cjfa-34392	104	31	:	:	PUNCT
cjfa-34392	104	32	age	age	NOUN
cjfa-34392	104	33	has	have	VERB
cjfa-34392	104	34	a	a	DET
cjfa-34392	104	35	significant	significant	ADJ
cjfa-34392	104	36	moderating	moderate	VERB
cjfa-34392	104	37	role	role	NOUN
cjfa-34392	104	38	in	in	ADP
cjfa-34392	104	39	the	the	DET
cjfa-34392	104	40	relationship	relationship	NOUN
cjfa-34392	104	41	between	between	ADP
cjfa-34392	104	42	effort	effort	NOUN
cjfa-34392	104	43	expectancy	expectancy	NOUN
cjfa-34392	104	44	and	and	CCONJ
cjfa-34392	104	45	behavioral	behavioral	ADJ
cjfa-34392	104	46	intention	intention	NOUN
cjfa-34392	104	47	to	to	PART
cjfa-34392	104	48	adopt	adopt	VERB
cjfa-34392	104	49	fintech	fintech	NOUN
cjfa-34392	104	50	h12	h12	NOUN
cjfa-34392	104	51	:	:	PUNCT
cjfa-34392	104	52	age	age	NOUN
cjfa-34392	104	53	has	have	VERB
cjfa-34392	104	54	a	a	DET
cjfa-34392	104	55	significant	significant	ADJ
cjfa-34392	104	56	moderating	moderate	VERB
cjfa-34392	104	57	role	role	NOUN
cjfa-34392	104	58	in	in	ADP
cjfa-34392	104	59	the	the	DET
cjfa-34392	104	60	relationship	relationship	NOUN
cjfa-34392	104	61	between	between	ADP
cjfa-34392	104	62	social	social	ADJ
cjfa-34392	104	63	influence	influence	NOUN
cjfa-34392	104	64	and	and	CCONJ
cjfa-34392	104	65	behavioral	behavioral	ADJ
cjfa-34392	104	66	intention	intention	NOUN
cjfa-34392	104	67	to	to	PART
cjfa-34392	104	68	adopt	adopt	VERB
cjfa-34392	104	69	fintech	fintech	NOUN
cjfa-34392	104	70	h13	h13	NOUN
cjfa-34392	104	71	:	:	PUNCT
cjfa-34392	104	72	age	age	NOUN
cjfa-34392	104	73	has	have	VERB
cjfa-34392	104	74	a	a	DET
cjfa-34392	104	75	significant	significant	ADJ
cjfa-34392	104	76	moderating	moderate	VERB
cjfa-34392	104	77	role	role	NOUN
cjfa-34392	104	78	in	in	ADP
cjfa-34392	104	79	the	the	DET
cjfa-34392	104	80	relationship	relationship	NOUN
cjfa-34392	104	81	between	between	ADP
cjfa-34392	104	82	facilitating	facilitate	VERB
cjfa-34392	104	83	condition	condition	NOUN
cjfa-34392	104	84	and	and	CCONJ
cjfa-34392	104	85	behavioral	behavioral	ADJ
cjfa-34392	104	86	intention	intention	NOUN
cjfa-34392	104	87	to	to	PART
cjfa-34392	104	88	adopt	adopt	VERB
cjfa-34392	104	89	fintech	fintech	NOUN
cjfa-34392	104	90	h14	h14	NOUN
cjfa-34392	104	91	:	:	PUNCT
cjfa-34392	104	92	age	age	NOUN
cjfa-34392	104	93	has	have	VERB
cjfa-34392	104	94	a	a	DET
cjfa-34392	104	95	significant	significant	ADJ
cjfa-34392	104	96	moderating	moderate	VERB
cjfa-34392	104	97	role	role	NOUN
cjfa-34392	104	98	in	in	ADP
cjfa-34392	104	99	the	the	DET
cjfa-34392	104	100	relationship	relationship	NOUN
cjfa-34392	104	101	between	between	ADP
cjfa-34392	104	102	perceived	perceive	VERB
cjfa-34392	104	103	reliability	reliability	NOUN
cjfa-34392	104	104	and	and	CCONJ
cjfa-34392	104	105	behavioral	behavioral	ADJ
cjfa-34392	104	106	intention	intention	NOUN
cjfa-34392	104	107	to	to	PART
cjfa-34392	104	108	adopt	adopt	VERB
cjfa-34392	104	109	fintech	fintech	NOUN
cjfa-34392	104	110	h15	h15	NOUN
cjfa-34392	104	111	:	:	PUNCT
cjfa-34392	104	112	age	age	NOUN
cjfa-34392	104	113	has	have	VERB
cjfa-34392	104	114	a	a	DET
cjfa-34392	104	115	significant	significant	ADJ
cjfa-34392	104	116	moderating	moderate	VERB
cjfa-34392	104	117	role	role	NOUN
cjfa-34392	104	118	in	in	ADP
cjfa-34392	104	119	the	the	DET
cjfa-34392	104	120	relationship	relationship	NOUN
cjfa-34392	104	121	between	between	ADP
cjfa-34392	104	122	added	add	VERB
cjfa-34392	104	123	value	value	NOUN
cjfa-34392	104	124	and	and	CCONJ
cjfa-34392	104	125	behavioral	behavioral	ADJ
cjfa-34392	104	126	intention	intention	NOUN
cjfa-34392	104	127	to	to	PART
cjfa-34392	104	128	adopt	adopt	VERB
cjfa-34392	104	129	fintech	fintech	NOUN
cjfa-34392	104	130	h16	h16	PROPN
cjfa-34392	104	131	:	:	PUNCT
cjfa-34392	104	132	age	age	NOUN
cjfa-34392	104	133	has	have	VERB
cjfa-34392	104	134	a	a	DET
cjfa-34392	104	135	significant	significant	ADJ
cjfa-34392	104	136	moderating	moderate	VERB
cjfa-34392	104	137	role	role	NOUN
cjfa-34392	104	138	in	in	ADP
cjfa-34392	104	139	the	the	DET
cjfa-34392	104	140	relationship	relationship	NOUN
cjfa-34392	104	141	between	between	ADP
cjfa-34392	104	142	self	self	NOUN
cjfa-34392	104	143	-	-	PUNCT
cjfa-34392	104	144	efficacy	efficacy	NOUN
cjfa-34392	104	145	and	and	CCONJ
cjfa-34392	104	146	behavioral	behavioral	ADJ
cjfa-34392	104	147	intention	intention	NOUN
cjfa-34392	104	148	to	to	PART
cjfa-34392	104	149	adopt	adopt	VERB
cjfa-34392	104	150	fintech	fintech	NOUN
cjfa-34392	104	151	h17	h17	NOUN
cjfa-34392	104	152	:	:	PUNCT
cjfa-34392	104	153	age	age	NOUN
cjfa-34392	104	154	has	have	VERB
cjfa-34392	104	155	a	a	DET
cjfa-34392	104	156	significant	significant	ADJ
cjfa-34392	104	157	moderating	moderate	VERB
cjfa-34392	104	158	role	role	NOUN
cjfa-34392	104	159	in	in	ADP
cjfa-34392	104	160	the	the	DET
cjfa-34392	104	161	relationship	relationship	NOUN
cjfa-34392	104	162	between	between	ADP
cjfa-34392	104	163	nervousness	nervousness	NOUN
cjfa-34392	104	164	and	and	CCONJ
cjfa-34392	104	165	behavioral	behavioral	ADJ
cjfa-34392	104	166	intention	intention	NOUN
cjfa-34392	104	167	to	to	PART
cjfa-34392	104	168	adopt	adopt	VERB
cjfa-34392	104	169	fintech	fintech	NOUN
cjfa-34392	104	170	research	research	NOUN
cjfa-34392	104	171	methodology	methodology	NOUN
cjfa-34392	104	172	in	in	ADP
cjfa-34392	104	173	few	few	ADJ
cjfa-34392	104	174	decades	decade	NOUN
cjfa-34392	104	175	,	,	PUNCT
cjfa-34392	104	176	we	we	PRON
cjfa-34392	104	177	can	can	AUX
cjfa-34392	104	178	see	see	VERB
cjfa-34392	104	179	that	that	SCONJ
cjfa-34392	104	180	technology	technology	NOUN
cjfa-34392	104	181	enhancement	enhancement	NOUN
cjfa-34392	104	182	is	be	AUX
cjfa-34392	104	183	so	so	ADV
cjfa-34392	104	184	rapid	rapid	ADJ
cjfa-34392	104	185	.	.	PUNCT
cjfa-34392	105	1	even	even	ADV
cjfa-34392	105	2	though	though	SCONJ
cjfa-34392	105	3	fintech	fintech	NOUN
cjfa-34392	105	4	is	be	AUX
cjfa-34392	105	5	an	an	DET
cjfa-34392	105	6	emerging	emerge	VERB
cjfa-34392	105	7	issue	issue	NOUN
cjfa-34392	105	8	,	,	PUNCT
cjfa-34392	105	9	it	it	PRON
cjfa-34392	105	10	is	be	AUX
cjfa-34392	105	11	not	not	PART
cjfa-34392	105	12	new	new	ADJ
cjfa-34392	105	13	for	for	ADP
cjfa-34392	105	14	financial	financial	ADJ
cjfa-34392	105	15	sectors	sector	NOUN
cjfa-34392	105	16	in	in	ADP
cjfa-34392	105	17	our	our	PRON
cjfa-34392	105	18	country	country	NOUN
cjfa-34392	105	19	.	.	PUNCT
cjfa-34392	106	1	since	since	SCONJ
cjfa-34392	106	2	most	most	ADJ
cjfa-34392	106	3	users	user	NOUN
cjfa-34392	106	4	(	(	PUNCT
cjfa-34392	106	5	more	more	ADJ
cjfa-34392	106	6	than	than	ADP
cjfa-34392	106	7	60	60	NUM
cjfa-34392	106	8	%	%	NOUN
cjfa-34392	106	9	)	)	PUNCT
cjfa-34392	106	10	belong	belong	VERB
cjfa-34392	106	11	to	to	ADP
cjfa-34392	106	12	financial	financial	ADJ
cjfa-34392	106	13	institutions	institution	NOUN
cjfa-34392	106	14	,	,	PUNCT
cjfa-34392	106	15	we	we	PRON
cjfa-34392	106	16	selected	select	VERB
cjfa-34392	106	17	this	this	DET
cjfa-34392	106	18	sector	sector	NOUN
cjfa-34392	106	19	as	as	ADP
cjfa-34392	106	20	our	our	PRON
cjfa-34392	106	21	target	target	NOUN
cjfa-34392	106	22	population	population	NOUN
cjfa-34392	106	23	for	for	ADP
cjfa-34392	106	24	this	this	DET
cjfa-34392	106	25	study	study	NOUN
cjfa-34392	106	26	.	.	PUNCT
cjfa-34392	107	1	the	the	DET
cjfa-34392	107	2	items	item	NOUN
cjfa-34392	107	3	we	we	PRON
cjfa-34392	107	4	have	have	AUX
cjfa-34392	107	5	selected	select	VERB
cjfa-34392	107	6	for	for	ADP
cjfa-34392	107	7	the	the	DET
cjfa-34392	107	8	study	study	NOUN
cjfa-34392	107	9	were	be	AUX
cjfa-34392	107	10	mainly	mainly	ADV
cjfa-34392	107	11	adopted	adopt	VERB
cjfa-34392	107	12	from	from	ADP
cjfa-34392	107	13	previous	previous	ADJ
cjfa-34392	107	14	studies	study	NOUN
cjfa-34392	107	15	(	(	PUNCT
cjfa-34392	107	16	venkatesh	venkatesh	PROPN
cjfa-34392	107	17	et	et	PROPN
cjfa-34392	107	18	al	al	PROPN
cjfa-34392	107	19	.	.	PROPN
cjfa-34392	107	20	,	,	PUNCT
cjfa-34392	107	21	2003	2003	NUM
cjfa-34392	107	22	)	)	PUNCT
cjfa-34392	107	23	.	.	PUNCT
cjfa-34392	108	1	performance	performance	NOUN
cjfa-34392	108	2	expectancy	expectancy	NOUN
cjfa-34392	108	3	,	,	PUNCT
cjfa-34392	108	4	effort	effort	NOUN
cjfa-34392	108	5	expectancy	expectancy	NOUN
cjfa-34392	108	6	,	,	PUNCT
cjfa-34392	108	7	facilitating	facilitate	VERB
cjfa-34392	108	8	conditions	condition	NOUN
cjfa-34392	108	9	,	,	PUNCT
cjfa-34392	108	10	and	and	CCONJ
cjfa-34392	108	11	social	social	ADJ
cjfa-34392	108	12	influences	influence	NOUN
cjfa-34392	108	13	were	be	AUX
cjfa-34392	108	14	taken	take	VERB
cjfa-34392	108	15	from	from	ADP
cjfa-34392	108	16	the	the	DET
cjfa-34392	108	17	original	original	ADJ
cjfa-34392	108	18	utaut	utaut	PROPN
cjfa-34392	108	19	model	model	NOUN
cjfa-34392	108	20	developed	develop	VERB
cjfa-34392	108	21	by	by	ADP
cjfa-34392	108	22	venkatesh	venkatesh	PROPN
cjfa-34392	108	23	et	et	PROPN
cjfa-34392	108	24	al	al	PROPN
cjfa-34392	108	25	.	.	PROPN
cjfa-34392	109	1	(	(	PUNCT
cjfa-34392	109	2	2003	2003	NUM
cjfa-34392	109	3	)	)	PUNCT
cjfa-34392	109	4	.	.	PUNCT
cjfa-34392	110	1	the	the	DET
cjfa-34392	110	2	items	item	NOUN
cjfa-34392	110	3	of	of	ADP
cjfa-34392	110	4	perceived	perceive	VERB
cjfa-34392	110	5	reliability	reliability	NOUN
cjfa-34392	110	6	were	be	AUX
cjfa-34392	110	7	adopted	adopt	VERB
cjfa-34392	110	8	from	from	ADP
cjfa-34392	110	9	(	(	PUNCT
cjfa-34392	110	10	ganguli	ganguli	PROPN
cjfa-34392	110	11	&	&	CCONJ
cjfa-34392	110	12	roy	roy	PROPN
cjfa-34392	110	13	,	,	PUNCT
cjfa-34392	110	14	2011	2011	NUM
cjfa-34392	110	15	;	;	PUNCT
cjfa-34392	110	16	gunawardana	gunawardana	PROPN
cjfa-34392	110	17	&	&	CCONJ
cjfa-34392	110	18	perera	perera	PROPN
cjfa-34392	110	19	,	,	PUNCT
cjfa-34392	110	20	2015	2015	NUM
cjfa-34392	110	21	)	)	PUNCT
cjfa-34392	110	22	.	.	PUNCT
cjfa-34392	111	1	additionally	additionally	ADV
cjfa-34392	111	2	,	,	PUNCT
cjfa-34392	111	3	price	price	NOUN
cjfa-34392	111	4	value	value	NOUN
cjfa-34392	111	5	,	,	PUNCT
cjfa-34392	111	6	behavioral	behavioral	ADJ
cjfa-34392	111	7	intention	intention	NOUN
cjfa-34392	111	8	,	,	PUNCT
cjfa-34392	111	9	and	and	CCONJ
cjfa-34392	111	10	the	the	DET
cjfa-34392	111	11	actual	actual	ADJ
cjfa-34392	111	12	use	use	NOUN
cjfa-34392	111	13	behavior	behavior	NOUN
cjfa-34392	111	14	were	be	AUX
cjfa-34392	111	15	taken	take	VERB
cjfa-34392	111	16	from	from	ADP
cjfa-34392	111	17	(	(	PUNCT
cjfa-34392	111	18	venkatesh	venkatesh	PROPN
cjfa-34392	111	19	et	et	PROPN
cjfa-34392	111	20	al	al	PROPN
cjfa-34392	111	21	.	.	PROPN
cjfa-34392	111	22	,	,	PUNCT
cjfa-34392	111	23	2012	2012	NUM
cjfa-34392	111	24	)	)	PUNCT
cjfa-34392	111	25	.	.	PUNCT
cjfa-34392	112	1	before	before	ADP
cjfa-34392	112	2	collecting	collect	VERB
cjfa-34392	112	3	data	datum	NOUN
cjfa-34392	112	4	,	,	PUNCT
cjfa-34392	112	5	we	we	PRON
cjfa-34392	112	6	have	have	AUX
cjfa-34392	112	7	arranged	arrange	VERB
cjfa-34392	112	8	a	a	DET
cjfa-34392	112	9	survey	survey	NOUN
cjfa-34392	112	10	to	to	PART
cjfa-34392	112	11	ensure	ensure	VERB
cjfa-34392	112	12	the	the	DET
cjfa-34392	112	13	content	content	NOUN
cjfa-34392	112	14	validity	validity	NOUN
cjfa-34392	112	15	of	of	ADP
cjfa-34392	112	16	the	the	DET
cjfa-34392	112	17	items	item	NOUN
cjfa-34392	112	18	.	.	PUNCT
cjfa-34392	113	1	our	our	PRON
cjfa-34392	113	2	motto	motto	NOUN
cjfa-34392	113	3	was	be	AUX
cjfa-34392	113	4	to	to	PART
cjfa-34392	113	5	identify	identify	VERB
cjfa-34392	113	6	the	the	DET
cjfa-34392	113	7	most	most	ADV
cjfa-34392	113	8	representative	representative	ADJ
cjfa-34392	113	9	factors	factor	NOUN
cjfa-34392	113	10	fitted	fit	VERB
cjfa-34392	113	11	in	in	ADP
cjfa-34392	113	12	the	the	DET
cjfa-34392	113	13	context	context	NOUN
cjfa-34392	113	14	of	of	ADP
cjfa-34392	113	15	bangladesh	bangladesh	NOUN
cjfa-34392	113	16	,	,	PUNCT
cjfa-34392	113	17	and	and	CCONJ
cjfa-34392	113	18	we	we	PRON
cjfa-34392	113	19	were	be	AUX
cjfa-34392	113	20	concerned	concern	VERB
cjfa-34392	113	21	with	with	ADP
cjfa-34392	113	22	users	user	NOUN
cjfa-34392	113	23	’	'	PUNCT
cjfa-34392	113	24	points	point	NOUN
cjfa-34392	113	25	of	of	ADP
cjfa-34392	113	26	view	view	NOUN
cjfa-34392	113	27	as	as	ADV
cjfa-34392	113	28	well	well	ADV
cjfa-34392	113	29	.	.	PUNCT
cjfa-34392	114	1	moreover	moreover	ADV
cjfa-34392	114	2	,	,	PUNCT
cjfa-34392	114	3	literature	literature	NOUN
cjfa-34392	114	4	reviews	review	NOUN
cjfa-34392	114	5	,	,	PUNCT
cjfa-34392	114	6	open	open	ADJ
cjfa-34392	114	7	discussions	discussion	NOUN
cjfa-34392	114	8	with	with	ADP
cjfa-34392	114	9	academicians	academician	NOUN
cjfa-34392	114	10	and	and	CCONJ
cjfa-34392	114	11	researchers	researcher	NOUN
cjfa-34392	114	12	helped	help	VERB
cjfa-34392	114	13	to	to	PART
cjfa-34392	114	14	generate	generate	VERB
cjfa-34392	114	15	the	the	DET
cjfa-34392	114	16	measurement	measurement	NOUN
cjfa-34392	114	17	items	item	NOUN
cjfa-34392	114	18	.	.	PUNCT
cjfa-34392	115	1	for	for	ADP
cjfa-34392	115	2	pretest	pretest	ADJ
cjfa-34392	115	3	factors	factor	NOUN
cjfa-34392	115	4	affecting	affect	VERB
cjfa-34392	115	5	the	the	DET
cjfa-34392	115	6	adoption	adoption	NOUN
cjfa-34392	115	7	of	of	ADP
cjfa-34392	115	8	fintech	fintech	NOUN
cjfa-34392	115	9	…	…	PUNCT
cjfa-34392	115	10	61	61	NUM
cjfa-34392	115	11	ing	ing	NOUN
cjfa-34392	115	12	,	,	PUNCT
cjfa-34392	115	13	we	we	PRON
cjfa-34392	115	14	set	set	VERB
cjfa-34392	115	15	questionnaires	questionnaire	NOUN
cjfa-34392	115	16	,	,	PUNCT
cjfa-34392	115	17	randomly	randomly	ADV
cjfa-34392	115	18	picked	pick	VERB
cjfa-34392	115	19	three	three	NUM
cjfa-34392	115	20	banks	bank	NOUN
cjfa-34392	115	21	,	,	PUNCT
cjfa-34392	115	22	two	two	NUM
cjfa-34392	115	23	nbfis	nbfis	ADJ
cjfa-34392	115	24	,	,	PUNCT
cjfa-34392	115	25	two	two	NUM
cjfa-34392	115	26	brokerage	brokerage	NOUN
cjfa-34392	115	27	firms	firm	NOUN
cjfa-34392	115	28	.	.	PUNCT
cjfa-34392	116	1	we	we	PRON
cjfa-34392	116	2	physically	physically	ADV
cjfa-34392	116	3	went	go	VERB
cjfa-34392	116	4	to	to	ADP
cjfa-34392	116	5	the	the	DET
cjfa-34392	116	6	organizations	organization	NOUN
cjfa-34392	116	7	,	,	PUNCT
cjfa-34392	116	8	tested	test	VERB
cjfa-34392	116	9	questionnaires	questionnaire	NOUN
cjfa-34392	116	10	with	with	ADP
cjfa-34392	116	11	25	25	NUM
cjfa-34392	116	12	randomly	randomly	ADV
cjfa-34392	116	13	selected	select	VERB
cjfa-34392	116	14	respondents	respondent	NOUN
cjfa-34392	116	15	for	for	ADP
cjfa-34392	116	16	this	this	DET
cjfa-34392	116	17	pilot	pilot	NOUN
cjfa-34392	116	18	test	test	NOUN
cjfa-34392	116	19	.	.	PUNCT
cjfa-34392	117	1	the	the	DET
cjfa-34392	117	2	outcomes	outcome	NOUN
cjfa-34392	117	3	obtained	obtain	VERB
cjfa-34392	117	4	from	from	ADP
cjfa-34392	117	5	face	face	NOUN
cjfa-34392	117	6	-	-	PUNCT
cjfa-34392	117	7	to	to	ADP
cjfa-34392	117	8	-	-	PUNCT
cjfa-34392	117	9	face	face	NOUN
cjfa-34392	117	10	interviews	interview	NOUN
cjfa-34392	117	11	and	and	CCONJ
cjfa-34392	117	12	questionnaires	questionnaire	NOUN
cjfa-34392	117	13	helped	help	VERB
cjfa-34392	117	14	us	we	PRON
cjfa-34392	117	15	to	to	PART
cjfa-34392	117	16	modify	modify	VERB
cjfa-34392	117	17	our	our	PRON
cjfa-34392	117	18	factors	factor	NOUN
cjfa-34392	117	19	.	.	PUNCT
cjfa-34392	118	1	after	after	ADP
cjfa-34392	118	2	the	the	DET
cjfa-34392	118	3	pre	pre	ADJ
cjfa-34392	118	4	-	-	ADJ
cjfa-34392	118	5	pilot	pilot	ADJ
cjfa-34392	118	6	test	test	NOUN
cjfa-34392	118	7	,	,	PUNCT
cjfa-34392	118	8	we	we	PRON
cjfa-34392	118	9	set	set	VERB
cjfa-34392	118	10	our	our	PRON
cjfa-34392	118	11	final	final	ADJ
cjfa-34392	118	12	questionnaire	questionnaire	NOUN
cjfa-34392	118	13	to	to	PART
cjfa-34392	118	14	test	test	VERB
cjfa-34392	118	15	our	our	PRON
cjfa-34392	118	16	theoretical	theoretical	ADJ
cjfa-34392	118	17	model	model	NOUN
cjfa-34392	118	18	and	and	CCONJ
cjfa-34392	118	19	hypothesis	hypothesis	NOUN
cjfa-34392	118	20	relationship	relationship	NOUN
cjfa-34392	118	21	.	.	PUNCT
cjfa-34392	119	1	since	since	SCONJ
cjfa-34392	119	2	we	we	PRON
cjfa-34392	119	3	can	can	AUX
cjfa-34392	119	4	not	not	PART
cjfa-34392	119	5	address	address	VERB
cjfa-34392	119	6	the	the	DET
cjfa-34392	119	7	reliable	reliable	ADJ
cjfa-34392	119	8	list	list	NOUN
cjfa-34392	119	9	of	of	ADP
cjfa-34392	119	10	total	total	ADJ
cjfa-34392	119	11	users	user	NOUN
cjfa-34392	119	12	of	of	ADP
cjfa-34392	119	13	fintech	fintech	NOUN
cjfa-34392	119	14	in	in	ADP
cjfa-34392	119	15	our	our	PRON
cjfa-34392	119	16	target	target	NOUN
cjfa-34392	119	17	group	group	NOUN
cjfa-34392	119	18	,	,	PUNCT
cjfa-34392	119	19	we	we	PRON
cjfa-34392	119	20	followed	follow	VERB
cjfa-34392	119	21	a	a	DET
cjfa-34392	119	22	convenience	convenience	NOUN
cjfa-34392	119	23	sampling	sampling	NOUN
cjfa-34392	119	24	method	method	NOUN
cjfa-34392	119	25	.	.	PUNCT
cjfa-34392	120	1	we	we	PRON
cjfa-34392	120	2	collected	collect	VERB
cjfa-34392	120	3	questionnaires	questionnaire	NOUN
cjfa-34392	120	4	from	from	ADP
cjfa-34392	120	5	293	293	NUM
cjfa-34392	120	6	respondents	respondent	NOUN
cjfa-34392	120	7	,	,	PUNCT
cjfa-34392	120	8	out	out	ADP
cjfa-34392	120	9	of	of	ADP
cjfa-34392	120	10	which	which	PRON
cjfa-34392	120	11	265	265	NUM
cjfa-34392	120	12	valid	valid	ADJ
cjfa-34392	120	13	responses	response	NOUN
cjfa-34392	120	14	were	be	AUX
cjfa-34392	120	15	obtained	obtain	VERB
cjfa-34392	120	16	.	.	PUNCT
cjfa-34392	121	1	we	we	PRON
cjfa-34392	121	2	also	also	ADV
cjfa-34392	121	3	used	use	VERB
cjfa-34392	121	4	the	the	DET
cjfa-34392	121	5	judgment	judgment	NOUN
cjfa-34392	121	6	sampling	sample	VERB
cjfa-34392	121	7	method	method	NOUN
cjfa-34392	121	8	for	for	ADP
cjfa-34392	121	9	selecting	select	VERB
cjfa-34392	121	10	the	the	DET
cjfa-34392	121	11	organizations	organization	NOUN
cjfa-34392	121	12	.	.	PUNCT
cjfa-34392	122	1	we	we	PRON
cjfa-34392	122	2	selected	select	VERB
cjfa-34392	122	3	top	top	ADV
cjfa-34392	122	4	-	-	PUNCT
cjfa-34392	122	5	ranked	rank	VERB
cjfa-34392	122	6	ten	ten	NUM
cjfa-34392	122	7	banks	bank	NOUN
cjfa-34392	122	8	,	,	PUNCT
cjfa-34392	122	9	five	five	NUM
cjfa-34392	122	10	nbfis	nbfis	ADJ
cjfa-34392	122	11	,	,	PUNCT
cjfa-34392	122	12	and	and	CCONJ
cjfa-34392	122	13	five	five	NUM
cjfa-34392	122	14	brokerage	brokerage	NOUN
cjfa-34392	122	15	firms	firm	NOUN
cjfa-34392	122	16	from	from	ADP
cjfa-34392	122	17	the	the	DET
cjfa-34392	122	18	financial	financial	ADJ
cjfa-34392	122	19	sectors	sector	NOUN
cjfa-34392	122	20	in	in	ADP
cjfa-34392	122	21	bangladesh	bangladesh	NOUN
cjfa-34392	122	22	.	.	PUNCT
cjfa-34392	123	1	we	we	PRON
cjfa-34392	123	2	reached	reach	VERB
cjfa-34392	123	3	out	out	ADP
cjfa-34392	123	4	to	to	ADP
cjfa-34392	123	5	the	the	DET
cjfa-34392	123	6	prospective	prospective	ADJ
cjfa-34392	123	7	employees	employee	NOUN
cjfa-34392	123	8	of	of	ADP
cjfa-34392	123	9	the	the	DET
cjfa-34392	123	10	selected	select	VERB
cjfa-34392	123	11	institutions	institution	NOUN
cjfa-34392	123	12	via	via	ADP
cjfa-34392	123	13	email	email	NOUN
cjfa-34392	123	14	.	.	PUNCT
cjfa-34392	124	1	for	for	ADP
cjfa-34392	124	2	convenience	convenience	NOUN
cjfa-34392	124	3	,	,	PUNCT
cjfa-34392	124	4	we	we	PRON
cjfa-34392	124	5	shared	share	VERB
cjfa-34392	124	6	a	a	DET
cjfa-34392	124	7	google	google	NOUN
cjfa-34392	124	8	form	form	NOUN
cjfa-34392	124	9	link	link	NOUN
cjfa-34392	124	10	to	to	PART
cjfa-34392	124	11	fill	fill	VERB
cjfa-34392	124	12	up	up	ADP
cjfa-34392	124	13	the	the	DET
cjfa-34392	124	14	set	set	ADJ
cjfa-34392	124	15	questionnaire	questionnaire	NOUN
cjfa-34392	124	16	.	.	PUNCT
cjfa-34392	125	1	we	we	PRON
cjfa-34392	125	2	assured	assure	VERB
cjfa-34392	125	3	them	they	PRON
cjfa-34392	125	4	of	of	ADP
cjfa-34392	125	5	maintaining	maintain	VERB
cjfa-34392	125	6	their	their	PRON
cjfa-34392	125	7	confidentiality	confidentiality	NOUN
cjfa-34392	125	8	and	and	CCONJ
cjfa-34392	125	9	privacy	privacy	NOUN
cjfa-34392	125	10	of	of	ADP
cjfa-34392	125	11	the	the	DET
cjfa-34392	125	12	data	datum	NOUN
cjfa-34392	125	13	before	before	ADP
cjfa-34392	125	14	initiating	initiate	VERB
cjfa-34392	125	15	the	the	DET
cjfa-34392	125	16	survey	survey	NOUN
cjfa-34392	125	17	.	.	PUNCT
cjfa-34392	126	1	the	the	DET
cjfa-34392	126	2	first	first	ADJ
cjfa-34392	126	3	section	section	NOUN
cjfa-34392	126	4	consisted	consist	VERB
cjfa-34392	126	5	of	of	ADP
cjfa-34392	126	6	the	the	DET
cjfa-34392	126	7	questions	question	NOUN
cjfa-34392	126	8	on	on	ADP
cjfa-34392	126	9	respondents	respondent	NOUN
cjfa-34392	126	10	’	'	PUNCT
cjfa-34392	126	11	personal	personal	ADJ
cjfa-34392	126	12	information	information	NOUN
cjfa-34392	126	13	.	.	PUNCT
cjfa-34392	127	1	the	the	DET
cjfa-34392	127	2	second	second	ADJ
cjfa-34392	127	3	section	section	NOUN
cjfa-34392	127	4	dealt	deal	VERB
cjfa-34392	127	5	with	with	ADP
cjfa-34392	127	6	their	their	PRON
cjfa-34392	127	7	orientation/	orientation/	NUM
cjfa-34392	127	8	familiarization	familiarization	NOUN
cjfa-34392	127	9	with	with	ADP
cjfa-34392	127	10	the	the	DET
cjfa-34392	127	11	fintech	fintech	NOUN
cjfa-34392	127	12	,	,	PUNCT
cjfa-34392	127	13	while	while	SCONJ
cjfa-34392	127	14	the	the	DET
cjfa-34392	127	15	third	third	ADJ
cjfa-34392	127	16	section	section	NOUN
cjfa-34392	127	17	comprised	comprise	VERB
cjfa-34392	127	18	a	a	DET
cjfa-34392	127	19	series	series	NOUN
cjfa-34392	127	20	of	of	ADP
cjfa-34392	127	21	questions	question	NOUN
cjfa-34392	127	22	about	about	ADP
cjfa-34392	127	23	the	the	DET
cjfa-34392	127	24	factor	factor	NOUN
cjfa-34392	127	25	analysis	analysis	NOUN
cjfa-34392	127	26	.	.	PUNCT
cjfa-34392	128	1	open	open	ADJ
cjfa-34392	128	2	-	-	PUNCT
cjfa-34392	128	3	ended	end	VERB
cjfa-34392	128	4	questions	question	NOUN
cjfa-34392	128	5	on	on	ADP
cjfa-34392	128	6	the	the	DET
cjfa-34392	128	7	respondents	respondent	NOUN
cjfa-34392	128	8	’	’	PART
cjfa-34392	128	9	intention	intention	NOUN
cjfa-34392	128	10	to	to	PART
cjfa-34392	128	11	adopt	adopt	VERB
cjfa-34392	128	12	fintech	fintech	NOUN
cjfa-34392	128	13	and	and	CCONJ
cjfa-34392	128	14	multiple	multiple	ADJ
cjfa-34392	128	15	questions	question	NOUN
cjfa-34392	128	16	for	for	ADP
cjfa-34392	128	17	each	each	DET
cjfa-34392	128	18	value	value	NOUN
cjfa-34392	128	19	construct	construct	NOUN
cjfa-34392	128	20	were	be	AUX
cjfa-34392	128	21	presented	present	VERB
cjfa-34392	128	22	sequentially	sequentially	ADV
cjfa-34392	128	23	using	use	VERB
cjfa-34392	128	24	five	five	NUM
cjfa-34392	128	25	-	-	PUNCT
cjfa-34392	128	26	point	point	NOUN
cjfa-34392	128	27	likert	likert	NOUN
cjfa-34392	128	28	scales	scale	NOUN
cjfa-34392	128	29	.	.	PUNCT
cjfa-34392	129	1	after	after	ADP
cjfa-34392	129	2	cleaning	clean	VERB
cjfa-34392	129	3	all	all	DET
cjfa-34392	129	4	collected	collect	VERB
cjfa-34392	129	5	responses	response	NOUN
cjfa-34392	129	6	,	,	PUNCT
cjfa-34392	129	7	we	we	PRON
cjfa-34392	129	8	arranged	arrange	VERB
cjfa-34392	129	9	and	and	CCONJ
cjfa-34392	129	10	coded	code	VERB
cjfa-34392	129	11	them	they	PRON
cjfa-34392	129	12	in	in	ADP
cjfa-34392	129	13	spss	spss	PROPN
cjfa-34392	129	14	for	for	ADP
cjfa-34392	129	15	further	further	ADJ
cjfa-34392	129	16	analysis	analysis	NOUN
cjfa-34392	129	17	.	.	PUNCT
cjfa-34392	130	1	to	to	PART
cjfa-34392	130	2	test	test	VERB
cjfa-34392	130	3	and	and	CCONJ
cjfa-34392	130	4	validate	validate	VERB
cjfa-34392	130	5	the	the	DET
cjfa-34392	130	6	contents	content	NOUN
cjfa-34392	130	7	of	of	ADP
cjfa-34392	130	8	our	our	PRON
cjfa-34392	130	9	model	model	NOUN
cjfa-34392	130	10	,	,	PUNCT
cjfa-34392	130	11	we	we	PRON
cjfa-34392	130	12	applied	apply	VERB
cjfa-34392	130	13	the	the	DET
cjfa-34392	130	14	generalized	generalized	ADJ
cjfa-34392	130	15	least	least	ADJ
cjfa-34392	130	16	square	square	ADJ
cjfa-34392	130	17	method	method	NOUN
cjfa-34392	130	18	-	-	PUNCT
cjfa-34392	130	19	a	a	DET
cjfa-34392	130	20	statistical	statistical	ADJ
cjfa-34392	130	21	technique	technique	NOUN
cjfa-34392	130	22	based	base	VERB
cjfa-34392	130	23	on	on	ADP
cjfa-34392	130	24	the	the	DET
cjfa-34392	130	25	structural	structural	ADJ
cjfa-34392	130	26	equation	equation	NOUN
cjfa-34392	130	27	model	model	NOUN
cjfa-34392	130	28	(	(	PUNCT
cjfa-34392	130	29	sem	sem	NOUN
cjfa-34392	130	30	)	)	PUNCT
cjfa-34392	130	31	.	.	PUNCT
cjfa-34392	131	1	then	then	ADV
cjfa-34392	131	2	we	we	PRON
cjfa-34392	131	3	have	have	AUX
cjfa-34392	131	4	drawn	draw	VERB
cjfa-34392	131	5	the	the	DET
cjfa-34392	131	6	utaut	utaut	PROPN
cjfa-34392	131	7	model	model	NOUN
cjfa-34392	131	8	with	with	ADP
cjfa-34392	131	9	the	the	DET
cjfa-34392	131	10	help	help	NOUN
cjfa-34392	131	11	of	of	ADP
cjfa-34392	131	12	spss	spss	PROPN
cjfa-34392	131	13	amos	amos	PROPN
cjfa-34392	131	14	to	to	PART
cjfa-34392	131	15	verify	verify	VERB
cjfa-34392	131	16	the	the	DET
cjfa-34392	131	17	significance	significance	NOUN
cjfa-34392	131	18	level	level	NOUN
cjfa-34392	131	19	of	of	ADP
cjfa-34392	131	20	the	the	DET
cjfa-34392	131	21	variables	variable	NOUN
cjfa-34392	131	22	.	.	PUNCT
cjfa-34392	132	1	data	datum	NOUN
cjfa-34392	132	2	analysis	analysis	NOUN
cjfa-34392	132	3	&	&	CCONJ
cjfa-34392	132	4	findings	finding	NOUN
cjfa-34392	132	5	employees	employee	NOUN
cjfa-34392	132	6	were	be	AUX
cjfa-34392	132	7	grouped	group	VERB
cjfa-34392	132	8	based	base	VERB
cjfa-34392	132	9	on	on	ADP
cjfa-34392	132	10	their	their	PRON
cjfa-34392	132	11	current	current	ADJ
cjfa-34392	132	12	age	age	NOUN
cjfa-34392	132	13	.	.	PUNCT
cjfa-34392	133	1	the	the	DET
cjfa-34392	133	2	frequency	frequency	NOUN
cjfa-34392	133	3	table	table	NOUN
cjfa-34392	133	4	reveals	reveal	VERB
cjfa-34392	133	5	that	that	SCONJ
cjfa-34392	133	6	the	the	DET
cjfa-34392	133	7	majority	majority	NOUN
cjfa-34392	133	8	of	of	ADP
cjfa-34392	133	9	respondents	respondent	NOUN
cjfa-34392	133	10	were	be	AUX
cjfa-34392	133	11	between	between	ADP
cjfa-34392	133	12	25	25	NUM
cjfa-34392	133	13	to	to	PART
cjfa-34392	133	14	30	30	NUM
cjfa-34392	133	15	years	year	NOUN
cjfa-34392	133	16	old	old	ADJ
cjfa-34392	133	17	.	.	PUNCT
cjfa-34392	134	1	nasima	nasima	PROPN
cjfa-34392	134	2	khatun	khatun	PROPN
cjfa-34392	134	3	,	,	PUNCT
cjfa-34392	134	4	marzia	marzia	PROPN
cjfa-34392	134	5	tamanna62	tamanna62	NOUN
cjfa-34392	134	6	table	table	NOUN
cjfa-34392	134	7	2	2	NUM
cjfa-34392	134	8	.	.	PUNCT
cjfa-34392	134	9	frequency	frequency	NOUN
cjfa-34392	134	10	table	table	NOUN
cjfa-34392	134	11	(	(	PUNCT
cjfa-34392	134	12	respondents	respondent	NOUN
cjfa-34392	134	13	’	'	PUNCT
cjfa-34392	134	14	age	age	NOUN
cjfa-34392	134	15	group	group	NOUN
cjfa-34392	134	16	)	)	PUNCT
cjfa-34392	134	17	your	your	PRON
cjfa-34392	134	18	age	age	NOUN
cjfa-34392	134	19	group	group	NOUN
cjfa-34392	134	20	frequency	frequency	NOUN
cjfa-34392	134	21	percent	percent	NOUN
cjfa-34392	134	22	valid	valid	ADJ
cjfa-34392	134	23	percent	percent	NOUN
cjfa-34392	134	24	cumulative	cumulative	ADJ
cjfa-34392	134	25	percent	percent	NOUN
cjfa-34392	134	26	valid	valid	ADJ
cjfa-34392	134	27	1	1	NUM
cjfa-34392	134	28	.	.	PUNCT
cjfa-34392	134	29	between	between	ADP
cjfa-34392	134	30	25	25	NUM
cjfa-34392	134	31	to	to	PART
cjfa-34392	134	32	30	30	NUM
cjfa-34392	134	33	years	year	NOUN
cjfa-34392	134	34	109	109	NUM
cjfa-34392	134	35	41.1	41.1	NUM
cjfa-34392	134	36	41.1	41.1	NUM
cjfa-34392	134	37	41.1	41.1	NUM
cjfa-34392	134	38	2	2	NUM
cjfa-34392	134	39	.	.	PUNCT
cjfa-34392	134	40	between	between	ADP
cjfa-34392	134	41	31	31	NUM
cjfa-34392	134	42	to	to	PART
cjfa-34392	134	43	35	35	NUM
cjfa-34392	134	44	years	year	NOUN
cjfa-34392	134	45	68	68	NUM
cjfa-34392	134	46	25.7	25.7	NUM
cjfa-34392	134	47	25.7	25.7	NUM
cjfa-34392	134	48	66.8	66.8	NUM
cjfa-34392	134	49	3	3	NUM
cjfa-34392	134	50	.	.	PUNCT
cjfa-34392	135	1	between	between	ADP
cjfa-34392	135	2	36	36	NUM
cjfa-34392	135	3	to	to	PART
cjfa-34392	135	4	40	40	NUM
cjfa-34392	135	5	years	year	NOUN
cjfa-34392	135	6	30	30	NUM
cjfa-34392	135	7	11.3	11.3	NUM
cjfa-34392	135	8	11.3	11.3	NUM
cjfa-34392	135	9	78.1	78.1	NUM
cjfa-34392	135	10	4	4	NUM
cjfa-34392	135	11	.	.	PUNCT
cjfa-34392	136	1	between	between	ADP
cjfa-34392	136	2	41	41	NUM
cjfa-34392	136	3	to	to	PART
cjfa-34392	136	4	45	45	NUM
cjfa-34392	136	5	years	year	NOUN
cjfa-34392	136	6	38	38	NUM
cjfa-34392	136	7	14.3	14.3	NUM
cjfa-34392	136	8	14.3	14.3	NUM
cjfa-34392	136	9	92.5	92.5	NUM
cjfa-34392	136	10	5	5	NUM
cjfa-34392	136	11	.	.	PUNCT
cjfa-34392	137	1	above	above	ADP
cjfa-34392	137	2	46	46	NUM
cjfa-34392	137	3	20	20	NUM
cjfa-34392	137	4	7.5	7.5	NUM
cjfa-34392	137	5	7.5	7.5	NUM
cjfa-34392	137	6	100.0	100.0	NUM
cjfa-34392	137	7	total	total	NOUN
cjfa-34392	137	8	265	265	NUM
cjfa-34392	137	9	100.0	100.0	NUM
cjfa-34392	137	10	100.0	100.0	NUM
cjfa-34392	137	11	s	s	NOUN
cjfa-34392	137	12	o	o	NOUN
cjfa-34392	137	13	u	u	NOUN
cjfa-34392	137	14	r	r	NOUN
cjfa-34392	137	15	c	c	NOUN
cjfa-34392	137	16	e	e	NOUN
cjfa-34392	137	17	:	:	PUNCT
cjfa-34392	137	18	frequency	frequency	NOUN
cjfa-34392	137	19	table	table	NOUN
cjfa-34392	137	20	drawn	draw	VERB
cjfa-34392	137	21	by	by	ADP
cjfa-34392	137	22	the	the	DET
cjfa-34392	137	23	authors	author	NOUN
cjfa-34392	137	24	using	use	VERB
cjfa-34392	137	25	spss	spss	PROPN
cjfa-34392	137	26	.	.	PUNCT
cjfa-34392	138	1	almost	almost	ADV
cjfa-34392	138	2	all	all	DET
cjfa-34392	138	3	the	the	DET
cjfa-34392	138	4	users	user	NOUN
cjfa-34392	138	5	responded	respond	VERB
cjfa-34392	138	6	that	that	SCONJ
cjfa-34392	138	7	they	they	PRON
cjfa-34392	138	8	are	be	AUX
cjfa-34392	138	9	familiar	familiar	ADJ
cjfa-34392	138	10	with	with	ADP
cjfa-34392	138	11	fintech	fintech	NOUN
cjfa-34392	138	12	.	.	PUNCT
cjfa-34392	139	1	99	99	NUM
cjfa-34392	139	2	%	%	NOUN
cjfa-34392	139	3	answered	answer	VERB
cjfa-34392	139	4	that	that	SCONJ
cjfa-34392	139	5	they	they	PRON
cjfa-34392	139	6	use	use	VERB
cjfa-34392	139	7	fintech	fintech	NOUN
cjfa-34392	139	8	for	for	ADP
cjfa-34392	139	9	every	every	DET
cjfa-34392	139	10	working	work	VERB
cjfa-34392	139	11	day	day	NOUN
cjfa-34392	139	12	,	,	PUNCT
cjfa-34392	139	13	mainly	mainly	ADV
cjfa-34392	139	14	mobile	mobile	ADJ
cjfa-34392	139	15	banking	banking	NOUN
cjfa-34392	139	16	,	,	PUNCT
cjfa-34392	139	17	facilitating	facilitate	VERB
cjfa-34392	139	18	financial	financial	ADJ
cjfa-34392	139	19	advice	advice	NOUN
cjfa-34392	139	20	.	.	PUNCT
cjfa-34392	140	1	7	7	NUM
cjfa-34392	140	2	%	%	NOUN
cjfa-34392	140	3	out	out	ADP
cjfa-34392	140	4	of	of	ADP
cjfa-34392	140	5	total	total	ADJ
cjfa-34392	140	6	respondents	respondent	NOUN
cjfa-34392	140	7	mentioned	mention	VERB
cjfa-34392	140	8	that	that	SCONJ
cjfa-34392	140	9	they	they	PRON
cjfa-34392	140	10	also	also	ADV
cjfa-34392	140	11	use	use	VERB
cjfa-34392	140	12	fintech	fintech	NOUN
cjfa-34392	140	13	for	for	ADP
cjfa-34392	140	14	additional	additional	ADJ
cjfa-34392	140	15	innovation	innovation	NOUN
cjfa-34392	140	16	to	to	ADP
cjfa-34392	140	17	some	some	DET
cjfa-34392	140	18	extent	extent	NOUN
cjfa-34392	140	19	.	.	PUNCT
cjfa-34392	141	1	whenever	whenever	SCONJ
cjfa-34392	141	2	they	they	PRON
cjfa-34392	141	3	were	be	AUX
cjfa-34392	141	4	asked	ask	VERB
cjfa-34392	141	5	whether	whether	SCONJ
cjfa-34392	141	6	they	they	PRON
cjfa-34392	141	7	recommend	recommend	VERB
cjfa-34392	141	8	any	any	DET
cjfa-34392	141	9	modification	modification	NOUN
cjfa-34392	141	10	in	in	ADP
cjfa-34392	141	11	fintech	fintech	NOUN
cjfa-34392	141	12	,	,	PUNCT
cjfa-34392	141	13	96	96	NUM
cjfa-34392	141	14	%	%	NOUN
cjfa-34392	141	15	of	of	ADP
cjfa-34392	141	16	the	the	DET
cjfa-34392	141	17	respondents	respondent	NOUN
cjfa-34392	141	18	answered	answer	VERB
cjfa-34392	141	19	that	that	SCONJ
cjfa-34392	141	20	modification	modification	NOUN
cjfa-34392	141	21	is	be	AUX
cjfa-34392	141	22	required	require	VERB
cjfa-34392	141	23	mainly	mainly	ADV
cjfa-34392	141	24	to	to	PART
cjfa-34392	141	25	make	make	VERB
cjfa-34392	141	26	it	it	PRON
cjfa-34392	141	27	more	more	ADV
cjfa-34392	141	28	convenient	convenient	ADJ
cjfa-34392	141	29	.	.	PUNCT
cjfa-34392	142	1	the	the	DET
cjfa-34392	142	2	majority	majority	NOUN
cjfa-34392	142	3	responded	respond	VERB
cjfa-34392	142	4	that	that	SCONJ
cjfa-34392	142	5	they	they	PRON
cjfa-34392	142	6	believe	believe	VERB
cjfa-34392	142	7	fintech	fintech	NOUN
cjfa-34392	142	8	will	will	AUX
cjfa-34392	142	9	improve	improve	VERB
cjfa-34392	142	10	their	their	PRON
cjfa-34392	142	11	job	job	NOUN
cjfa-34392	142	12	performance	performance	NOUN
cjfa-34392	142	13	as	as	SCONJ
cjfa-34392	142	14	it	it	PRON
cjfa-34392	142	15	saves	save	VERB
cjfa-34392	142	16	time	time	NOUN
cjfa-34392	142	17	and	and	CCONJ
cjfa-34392	142	18	ensures	ensure	VERB
cjfa-34392	142	19	advanced	advanced	ADJ
cjfa-34392	142	20	security	security	NOUN
cjfa-34392	142	21	.	.	PUNCT
cjfa-34392	143	1	90	90	NUM
cjfa-34392	143	2	%	%	NOUN
cjfa-34392	143	3	agreed	agree	VERB
cjfa-34392	143	4	that	that	SCONJ
cjfa-34392	143	5	they	they	PRON
cjfa-34392	143	6	feel	feel	VERB
cjfa-34392	143	7	fintech	fintech	NOUN
cjfa-34392	143	8	is	be	AUX
cjfa-34392	143	9	convenient	convenient	ADJ
cjfa-34392	143	10	and	and	CCONJ
cjfa-34392	143	11	simple	simple	ADJ
cjfa-34392	143	12	to	to	ADP
cjfa-34392	143	13	use	use	VERB
cjfa-34392	143	14	,	,	PUNCT
cjfa-34392	143	15	and	and	CCONJ
cjfa-34392	143	16	a	a	DET
cjfa-34392	143	17	majority	majority	NOUN
cjfa-34392	143	18	of	of	ADP
cjfa-34392	143	19	them	they	PRON
cjfa-34392	143	20	believe	believe	VERB
cjfa-34392	143	21	that	that	SCONJ
cjfa-34392	143	22	it	it	PRON
cjfa-34392	143	23	has	have	AUX
cjfa-34392	143	24	reduced	reduce	VERB
cjfa-34392	143	25	their	their	PRON
cjfa-34392	143	26	work	work	NOUN
cjfa-34392	143	27	pressure	pressure	NOUN
cjfa-34392	143	28	.	.	PUNCT
cjfa-34392	144	1	factors	factor	NOUN
cjfa-34392	144	2	affecting	affect	VERB
cjfa-34392	144	3	the	the	DET
cjfa-34392	144	4	adoption	adoption	NOUN
cjfa-34392	144	5	of	of	ADP
cjfa-34392	144	6	fintech	fintech	NOUN
cjfa-34392	144	7	…	…	PUNCT
cjfa-34392	144	8	63	63	NUM
cjfa-34392	144	9	figure	figure	NOUN
cjfa-34392	144	10	2	2	NUM
cjfa-34392	144	11	.	.	PUNCT
cjfa-34392	144	12	why	why	SCONJ
cjfa-34392	144	13	respondents	respondent	NOUN
cjfa-34392	144	14	think	think	VERB
cjfa-34392	144	15	using	use	VERB
cjfa-34392	144	16	fintech	fintech	NOUN
cjfa-34392	144	17	is	be	AUX
cjfa-34392	144	18	convenient	convenient	ADJ
cjfa-34392	144	19	and	and	CCONJ
cjfa-34392	144	20	simple	simple	ADJ
cjfa-34392	144	21	to	to	PART
cjfa-34392	144	22	use	use	VERB
cjfa-34392	144	23	almost	almost	ADV
cjfa-34392	144	24	all	all	DET
cjfa-34392	144	25	the	the	DET
cjfa-34392	144	26	users	user	NOUN
cjfa-34392	144	27	responded	respond	VERB
cjfa-34392	144	28	that	that	SCONJ
cjfa-34392	144	29	they	they	PRON
cjfa-34392	144	30	are	be	AUX
cjfa-34392	144	31	familiar	familiar	ADJ
cjfa-34392	144	32	with	with	ADP
cjfa-34392	144	33	fintech	fintech	NOUN
cjfa-34392	144	34	.	.	PUNCT
cjfa-34392	145	1	99	99	NUM
cjfa-34392	145	2	%	%	NOUN
cjfa-34392	145	3	answered	answer	VERB
cjfa-34392	145	4	that	that	SCONJ
cjfa-34392	145	5	they	they	PRON
cjfa-34392	145	6	use	use	VERB
cjfa-34392	145	7	fintech	fintech	NOUN
cjfa-34392	145	8	for	for	ADP
cjfa-34392	145	9	every	every	DET
cjfa-34392	145	10	working	work	VERB
cjfa-34392	145	11	day	day	NOUN
cjfa-34392	145	12	,	,	PUNCT
cjfa-34392	145	13	mainly	mainly	ADV
cjfa-34392	145	14	mobile	mobile	ADJ
cjfa-34392	145	15	banking	banking	NOUN
cjfa-34392	145	16	,	,	PUNCT
cjfa-34392	145	17	facilitating	facilitate	VERB
cjfa-34392	145	18	financial	financial	ADJ
cjfa-34392	145	19	advice	advice	NOUN
cjfa-34392	145	20	.	.	PUNCT
cjfa-34392	146	1	7	7	NUM
cjfa-34392	146	2	%	%	NOUN
cjfa-34392	146	3	out	out	ADP
cjfa-34392	146	4	of	of	ADP
cjfa-34392	146	5	total	total	ADJ
cjfa-34392	146	6	respondents	respondent	NOUN
cjfa-34392	146	7	mentioned	mention	VERB
cjfa-34392	146	8	that	that	SCONJ
cjfa-34392	146	9	they	they	PRON
cjfa-34392	146	10	also	also	ADV
cjfa-34392	146	11	use	use	VERB
cjfa-34392	146	12	fintech	fintech	NOUN
cjfa-34392	146	13	for	for	ADP
cjfa-34392	146	14	additional	additional	ADJ
cjfa-34392	146	15	innovation	innovation	NOUN
cjfa-34392	146	16	to	to	ADP
cjfa-34392	146	17	some	some	DET
cjfa-34392	146	18	extent	extent	NOUN
cjfa-34392	146	19	.	.	PUNCT
cjfa-34392	147	1	whenever	whenever	SCONJ
cjfa-34392	147	2	they	they	PRON
cjfa-34392	147	3	were	be	AUX
cjfa-34392	147	4	asked	ask	VERB
cjfa-34392	147	5	whether	whether	SCONJ
cjfa-34392	147	6	they	they	PRON
cjfa-34392	147	7	recommend	recommend	VERB
cjfa-34392	147	8	any	any	DET
cjfa-34392	147	9	modification	modification	NOUN
cjfa-34392	147	10	in	in	ADP
cjfa-34392	147	11	fintech	fintech	NOUN
cjfa-34392	147	12	,	,	PUNCT
cjfa-34392	147	13	96	96	NUM
cjfa-34392	147	14	%	%	NOUN
cjfa-34392	147	15	of	of	ADP
cjfa-34392	147	16	the	the	DET
cjfa-34392	147	17	respondents	respondent	NOUN
cjfa-34392	147	18	answered	answer	VERB
cjfa-34392	147	19	that	that	SCONJ
cjfa-34392	147	20	modification	modification	NOUN
cjfa-34392	147	21	is	be	AUX
cjfa-34392	147	22	required	require	VERB
cjfa-34392	147	23	mainly	mainly	ADV
cjfa-34392	147	24	to	to	PART
cjfa-34392	147	25	make	make	VERB
cjfa-34392	147	26	it	it	PRON
cjfa-34392	147	27	more	more	ADV
cjfa-34392	147	28	convenient	convenient	ADJ
cjfa-34392	147	29	.	.	PUNCT
cjfa-34392	148	1	the	the	DET
cjfa-34392	148	2	majority	majority	NOUN
cjfa-34392	148	3	responded	respond	VERB
cjfa-34392	148	4	that	that	SCONJ
cjfa-34392	148	5	they	they	PRON
cjfa-34392	148	6	believe	believe	VERB
cjfa-34392	148	7	fintech	fintech	NOUN
cjfa-34392	148	8	will	will	AUX
cjfa-34392	148	9	improve	improve	VERB
cjfa-34392	148	10	their	their	PRON
cjfa-34392	148	11	job	job	NOUN
cjfa-34392	148	12	performance	performance	NOUN
cjfa-34392	148	13	as	as	SCONJ
cjfa-34392	148	14	it	it	PRON
cjfa-34392	148	15	saves	save	VERB
cjfa-34392	148	16	time	time	NOUN
cjfa-34392	148	17	and	and	CCONJ
cjfa-34392	148	18	ensures	ensure	VERB
cjfa-34392	148	19	advanced	advanced	ADJ
cjfa-34392	148	20	security	security	NOUN
cjfa-34392	148	21	.	.	PUNCT
cjfa-34392	149	1	90	90	NUM
cjfa-34392	149	2	%	%	NOUN
cjfa-34392	149	3	agreed	agree	VERB
cjfa-34392	149	4	that	that	SCONJ
cjfa-34392	149	5	they	they	PRON
cjfa-34392	149	6	feel	feel	VERB
cjfa-34392	149	7	fintech	fintech	NOUN
cjfa-34392	149	8	is	be	AUX
cjfa-34392	149	9	convenient	convenient	ADJ
cjfa-34392	149	10	and	and	CCONJ
cjfa-34392	149	11	simple	simple	ADJ
cjfa-34392	149	12	to	to	ADP
cjfa-34392	149	13	use	use	VERB
cjfa-34392	149	14	,	,	PUNCT
cjfa-34392	149	15	and	and	CCONJ
cjfa-34392	149	16	a	a	DET
cjfa-34392	149	17	majority	majority	NOUN
cjfa-34392	149	18	of	of	ADP
cjfa-34392	149	19	them	they	PRON
cjfa-34392	149	20	believe	believe	VERB
cjfa-34392	149	21	that	that	SCONJ
cjfa-34392	149	22	it	it	PRON
cjfa-34392	149	23	has	have	AUX
cjfa-34392	149	24	reduced	reduce	VERB
cjfa-34392	149	25	their	their	PRON
cjfa-34392	149	26	work	work	NOUN
cjfa-34392	149	27	pressure	pressure	NOUN
cjfa-34392	149	28	.	.	PUNCT
cjfa-34392	150	1	figure	figure	NOUN
cjfa-34392	150	2	2	2	NUM
cjfa-34392	150	3	.	.	PUNCT
cjfa-34392	151	1	why	why	SCONJ
cjfa-34392	151	2	respondents	respondent	NOUN
cjfa-34392	151	3	think	think	VERB
cjfa-34392	151	4	using	use	VERB
cjfa-34392	151	5	fintech	fintech	NOUN
cjfa-34392	151	6	is	be	AUX
cjfa-34392	151	7	convenient	convenient	ADJ
cjfa-34392	151	8	and	and	CCONJ
cjfa-34392	151	9	simple	simple	ADJ
cjfa-34392	151	10	to	to	PART
cjfa-34392	151	11	use	use	VERB
cjfa-34392	151	12	source	source	NOUN
cjfa-34392	151	13	:	:	PUNCT
cjfa-34392	151	14	graph	graph	NOUN
cjfa-34392	151	15	drawn	draw	VERB
cjfa-34392	151	16	by	by	ADP
cjfa-34392	151	17	the	the	DET
cjfa-34392	151	18	authors	author	NOUN
cjfa-34392	151	19	using	use	VERB
cjfa-34392	151	20	spss	spss	PROPN
cjfa-34392	151	21	.	.	PUNCT
cjfa-34392	152	1	moreover	moreover	ADV
cjfa-34392	152	2	,	,	PUNCT
cjfa-34392	152	3	30	30	NUM
cjfa-34392	152	4	out	out	ADP
cjfa-34392	152	5	of	of	ADP
cjfa-34392	152	6	265	265	NUM
cjfa-34392	152	7	users	user	NOUN
cjfa-34392	152	8	responded	respond	VERB
cjfa-34392	152	9	that	that	SCONJ
cjfa-34392	152	10	their	their	PRON
cjfa-34392	152	11	supporting	support	VERB
cjfa-34392	152	12	firms	firm	NOUN
cjfa-34392	152	13	are	be	AUX
cjfa-34392	152	14	not	not	PART
cjfa-34392	152	15	ready	ready	ADJ
cjfa-34392	152	16	to	to	PART
cjfa-34392	152	17	facilitate	facilitate	VERB
cjfa-34392	152	18	,	,	PUNCT
cjfa-34392	152	19	for	for	ADP
cjfa-34392	152	20	which	which	PRON
cjfa-34392	152	21	they	they	PRON
cjfa-34392	152	22	mainly	mainly	ADV
cjfa-34392	152	23	face	face	VERB
cjfa-34392	152	24	difficulty	difficulty	NOUN
cjfa-34392	152	25	to	to	PART
cjfa-34392	152	26	satisfy	satisfy	VERB
cjfa-34392	152	27	customers	customer	NOUN
cjfa-34392	152	28	immediately	immediately	ADV
cjfa-34392	152	29	.	.	PUNCT
cjfa-34392	153	1	figure	figure	VERB
cjfa-34392	153	2	3	3	NUM
cjfa-34392	153	3	.	.	NOUN
cjfa-34392	153	4	problems	problem	NOUN
cjfa-34392	153	5	that	that	PRON
cjfa-34392	153	6	respondents	respondent	NOUN
cjfa-34392	153	7	face	face	VERB
cjfa-34392	153	8	if	if	SCONJ
cjfa-34392	153	9	supporting	support	VERB
cjfa-34392	153	10	firms	firm	NOUN
cjfa-34392	153	11	are	be	AUX
cjfa-34392	153	12	not	not	PART
cjfa-34392	153	13	ready	ready	ADJ
cjfa-34392	153	14	to	to	PART
cjfa-34392	153	15	facilitate	facilitate	VERB
cjfa-34392	153	16	the	the	DET
cjfa-34392	153	17	use	use	NOUN
cjfa-34392	153	18	s	s	PART
cjfa-34392	153	19	o	o	NOUN
cjfa-34392	153	20	u	u	NOUN
cjfa-34392	153	21	r	r	NOUN
cjfa-34392	153	22	c	c	NOUN
cjfa-34392	153	23	e	e	NOUN
cjfa-34392	153	24	:	:	PUNCT
cjfa-34392	153	25	graph	graph	NOUN
cjfa-34392	153	26	drawn	draw	VERB
cjfa-34392	153	27	by	by	ADP
cjfa-34392	153	28	the	the	DET
cjfa-34392	153	29	authors	author	NOUN
cjfa-34392	153	30	using	use	VERB
cjfa-34392	153	31	spss	spss	PROPN
cjfa-34392	153	32	.	.	PUNCT
cjfa-34392	154	1	moreover	moreover	ADV
cjfa-34392	154	2	,	,	PUNCT
cjfa-34392	154	3	30	30	NUM
cjfa-34392	154	4	out	out	ADP
cjfa-34392	154	5	of	of	ADP
cjfa-34392	154	6	265	265	NUM
cjfa-34392	154	7	users	user	NOUN
cjfa-34392	154	8	responded	respond	VERB
cjfa-34392	154	9	that	that	SCONJ
cjfa-34392	154	10	their	their	PRON
cjfa-34392	154	11	supporting	support	VERB
cjfa-34392	154	12	firms	firm	NOUN
cjfa-34392	154	13	are	be	AUX
cjfa-34392	154	14	not	not	PART
cjfa-34392	154	15	ready	ready	ADJ
cjfa-34392	154	16	to	to	PART
cjfa-34392	154	17	facilitate	facilitate	VERB
cjfa-34392	154	18	,	,	PUNCT
cjfa-34392	154	19	for	for	ADP
cjfa-34392	154	20	which	which	PRON
cjfa-34392	154	21	they	they	PRON
cjfa-34392	154	22	mainly	mainly	ADV
cjfa-34392	154	23	face	face	VERB
cjfa-34392	154	24	difficulty	difficulty	NOUN
cjfa-34392	154	25	to	to	PART
cjfa-34392	154	26	satisfy	satisfy	VERB
cjfa-34392	154	27	customers	customer	NOUN
cjfa-34392	154	28	immediately	immediately	ADV
cjfa-34392	154	29	.	.	PUNCT
cjfa-34392	155	1	figure	figure	VERB
cjfa-34392	155	2	3	3	NUM
cjfa-34392	155	3	.	.	NOUN
cjfa-34392	155	4	problems	problem	NOUN
cjfa-34392	155	5	that	that	PRON
cjfa-34392	155	6	respondents	respondent	NOUN
cjfa-34392	155	7	face	face	VERB
cjfa-34392	155	8	if	if	SCONJ
cjfa-34392	155	9	supporting	support	VERB
cjfa-34392	155	10	firms	firm	NOUN
cjfa-34392	155	11	are	be	AUX
cjfa-34392	155	12	not	not	PART
cjfa-34392	155	13	ready	ready	ADJ
cjfa-34392	155	14	to	to	PART
cjfa-34392	155	15	facilitate	facilitate	VERB
cjfa-34392	155	16	the	the	DET
cjfa-34392	155	17	use	use	NOUN
cjfa-34392	155	18	of	of	ADP
cjfa-34392	155	19	fintech	fintech	NOUN
cjfa-34392	155	20	of	of	ADP
cjfa-34392	155	21	fintech	fintech	NOUN
cjfa-34392	155	22	source	source	NOUN
cjfa-34392	155	23	:	:	PUNCT
cjfa-34392	155	24	graph	graph	NOUN
cjfa-34392	155	25	drawn	draw	VERB
cjfa-34392	155	26	by	by	ADP
cjfa-34392	155	27	the	the	DET
cjfa-34392	155	28	authors	author	NOUN
cjfa-34392	155	29	using	use	VERB
cjfa-34392	155	30	spss	spss	PROPN
cjfa-34392	155	31	.	.	PUNCT
cjfa-34392	156	1	additionally	additionally	ADV
cjfa-34392	156	2	,	,	PUNCT
cjfa-34392	156	3	14	14	NUM
cjfa-34392	156	4	%	%	NOUN
cjfa-34392	156	5	of	of	ADP
cjfa-34392	156	6	the	the	DET
cjfa-34392	156	7	total	total	ADJ
cjfa-34392	156	8	questionnaire	questionnaire	NOUN
cjfa-34392	156	9	participants	participant	NOUN
cjfa-34392	156	10	believe	believe	VERB
cjfa-34392	156	11	that	that	SCONJ
cjfa-34392	156	12	fintech	fintech	NOUN
cjfa-34392	156	13	does	do	AUX
cjfa-34392	156	14	not	not	PART
cjfa-34392	156	15	ensure	ensure	VERB
cjfa-34392	156	16	trust	trust	NOUN
cjfa-34392	156	17	and	and	CCONJ
cjfa-34392	156	18	confidence	confidence	NOUN
cjfa-34392	156	19	as	as	SCONJ
cjfa-34392	156	20	they	they	PRON
cjfa-34392	156	21	faced	face	VERB
cjfa-34392	156	22	security	security	NOUN
cjfa-34392	156	23	hazards	hazard	NOUN
cjfa-34392	156	24	when	when	SCONJ
cjfa-34392	156	25	they	they	PRON
cjfa-34392	156	26	used	use	VERB
cjfa-34392	156	27	fintech	fintech	NOUN
cjfa-34392	156	28	.	.	PUNCT
cjfa-34392	157	1	figure	figure	NOUN
cjfa-34392	157	2	4	4	NUM
cjfa-34392	157	3	.	.	PUNCT
cjfa-34392	158	1	why	why	SCONJ
cjfa-34392	158	2	the	the	DET
cjfa-34392	158	3	respondents	respondent	NOUN
cjfa-34392	158	4	do	do	AUX
cjfa-34392	158	5	not	not	PART
cjfa-34392	158	6	have	have	VERB
cjfa-34392	158	7	trust	trust	NOUN
cjfa-34392	158	8	and	and	CCONJ
cjfa-34392	158	9	confidence	confidence	NOUN
cjfa-34392	158	10	when	when	SCONJ
cjfa-34392	158	11	they	they	PRON
cjfa-34392	158	12	use	use	VERB
cjfa-34392	158	13	fintech	fintech	NOUN
cjfa-34392	158	14	s	s	PART
cjfa-34392	158	15	o	o	NOUN
cjfa-34392	158	16	u	u	NOUN
cjfa-34392	158	17	r	r	NOUN
cjfa-34392	158	18	c	c	NOUN
cjfa-34392	158	19	e	e	NOUN
cjfa-34392	158	20	:	:	PUNCT
cjfa-34392	158	21	graph	graph	NOUN
cjfa-34392	158	22	drawn	draw	VERB
cjfa-34392	158	23	by	by	ADP
cjfa-34392	158	24	the	the	DET
cjfa-34392	158	25	authors	author	NOUN
cjfa-34392	158	26	using	use	VERB
cjfa-34392	158	27	spss	spss	PROPN
cjfa-34392	158	28	.	.	PUNCT
cjfa-34392	159	1	nasima	nasima	PROPN
cjfa-34392	159	2	khatun	khatun	PROPN
cjfa-34392	159	3	,	,	PUNCT
cjfa-34392	159	4	marzia	marzia	PROPN
cjfa-34392	159	5	tamanna64	tamanna64	PROPN
cjfa-34392	159	6	additionally	additionally	ADV
cjfa-34392	159	7	,	,	PUNCT
cjfa-34392	159	8	14	14	NUM
cjfa-34392	159	9	%	%	NOUN
cjfa-34392	159	10	of	of	ADP
cjfa-34392	159	11	the	the	DET
cjfa-34392	159	12	total	total	ADJ
cjfa-34392	159	13	questionnaire	questionnaire	NOUN
cjfa-34392	159	14	participants	participant	NOUN
cjfa-34392	159	15	believe	believe	VERB
cjfa-34392	159	16	that	that	SCONJ
cjfa-34392	159	17	fintech	fintech	NOUN
cjfa-34392	159	18	does	do	AUX
cjfa-34392	159	19	not	not	PART
cjfa-34392	159	20	ensure	ensure	VERB
cjfa-34392	159	21	trust	trust	NOUN
cjfa-34392	159	22	and	and	CCONJ
cjfa-34392	159	23	confidence	confidence	NOUN
cjfa-34392	159	24	as	as	SCONJ
cjfa-34392	159	25	they	they	PRON
cjfa-34392	159	26	faced	face	VERB
cjfa-34392	159	27	security	security	NOUN
cjfa-34392	159	28	hazards	hazard	NOUN
cjfa-34392	159	29	when	when	SCONJ
cjfa-34392	159	30	they	they	PRON
cjfa-34392	159	31	used	use	VERB
cjfa-34392	159	32	fintech	fintech	NOUN
cjfa-34392	159	33	.	.	PUNCT
cjfa-34392	160	1	figure	figure	NOUN
cjfa-34392	160	2	4	4	NUM
cjfa-34392	160	3	.	.	PUNCT
cjfa-34392	161	1	why	why	SCONJ
cjfa-34392	161	2	the	the	DET
cjfa-34392	161	3	respondents	respondent	NOUN
cjfa-34392	161	4	do	do	AUX
cjfa-34392	161	5	not	not	PART
cjfa-34392	161	6	have	have	VERB
cjfa-34392	161	7	trust	trust	NOUN
cjfa-34392	161	8	and	and	CCONJ
cjfa-34392	161	9	confidence	confidence	NOUN
cjfa-34392	161	10	when	when	SCONJ
cjfa-34392	161	11	they	they	PRON
cjfa-34392	161	12	use	use	VERB
cjfa-34392	161	13	fintech	fintech	NOUN
cjfa-34392	161	14	of	of	ADP
cjfa-34392	161	15	fintech	fintech	NOUN
cjfa-34392	161	16	source	source	NOUN
cjfa-34392	161	17	:	:	PUNCT
cjfa-34392	161	18	graph	graph	NOUN
cjfa-34392	161	19	drawn	draw	VERB
cjfa-34392	161	20	by	by	ADP
cjfa-34392	161	21	the	the	DET
cjfa-34392	161	22	authors	author	NOUN
cjfa-34392	161	23	using	use	VERB
cjfa-34392	161	24	spss	spss	PROPN
cjfa-34392	161	25	.	.	PUNCT
cjfa-34392	162	1	additionally	additionally	ADV
cjfa-34392	162	2	,	,	PUNCT
cjfa-34392	162	3	14	14	NUM
cjfa-34392	162	4	%	%	NOUN
cjfa-34392	162	5	of	of	ADP
cjfa-34392	162	6	the	the	DET
cjfa-34392	162	7	total	total	ADJ
cjfa-34392	162	8	questionnaire	questionnaire	NOUN
cjfa-34392	162	9	participants	participant	NOUN
cjfa-34392	162	10	believe	believe	VERB
cjfa-34392	162	11	that	that	SCONJ
cjfa-34392	162	12	fintech	fintech	NOUN
cjfa-34392	162	13	does	do	AUX
cjfa-34392	162	14	not	not	PART
cjfa-34392	162	15	ensure	ensure	VERB
cjfa-34392	162	16	trust	trust	NOUN
cjfa-34392	162	17	and	and	CCONJ
cjfa-34392	162	18	confidence	confidence	NOUN
cjfa-34392	162	19	as	as	SCONJ
cjfa-34392	162	20	they	they	PRON
cjfa-34392	162	21	faced	face	VERB
cjfa-34392	162	22	security	security	NOUN
cjfa-34392	162	23	hazards	hazard	NOUN
cjfa-34392	162	24	when	when	SCONJ
cjfa-34392	162	25	they	they	PRON
cjfa-34392	162	26	used	use	VERB
cjfa-34392	162	27	fintech	fintech	NOUN
cjfa-34392	162	28	.	.	PUNCT
cjfa-34392	163	1	figure	figure	NOUN
cjfa-34392	163	2	4	4	NUM
cjfa-34392	163	3	.	.	PUNCT
cjfa-34392	164	1	why	why	SCONJ
cjfa-34392	164	2	the	the	DET
cjfa-34392	164	3	respondents	respondent	NOUN
cjfa-34392	164	4	do	do	AUX
cjfa-34392	164	5	not	not	PART
cjfa-34392	164	6	have	have	VERB
cjfa-34392	164	7	trust	trust	NOUN
cjfa-34392	164	8	and	and	CCONJ
cjfa-34392	164	9	confidence	confidence	NOUN
cjfa-34392	164	10	when	when	SCONJ
cjfa-34392	164	11	they	they	PRON
cjfa-34392	164	12	use	use	VERB
cjfa-34392	164	13	fintech	fintech	NOUN
cjfa-34392	164	14	s	s	PART
cjfa-34392	164	15	o	o	NOUN
cjfa-34392	164	16	u	u	NOUN
cjfa-34392	164	17	r	r	NOUN
cjfa-34392	164	18	c	c	NOUN
cjfa-34392	164	19	e	e	NOUN
cjfa-34392	164	20	:	:	PUNCT
cjfa-34392	164	21	graph	graph	NOUN
cjfa-34392	164	22	drawn	draw	VERB
cjfa-34392	164	23	by	by	ADP
cjfa-34392	164	24	the	the	DET
cjfa-34392	164	25	authors	author	NOUN
cjfa-34392	164	26	using	use	VERB
cjfa-34392	164	27	spss	spss	PROPN
cjfa-34392	164	28	.	.	PUNCT
cjfa-34392	165	1	moreover,17	moreover,17	ADJ
cjfa-34392	165	2	%	%	NOUN
cjfa-34392	165	3	of	of	ADP
cjfa-34392	165	4	respondents	respondent	NOUN
cjfa-34392	165	5	think	think	VERB
cjfa-34392	165	6	that	that	SCONJ
cjfa-34392	165	7	the	the	DET
cjfa-34392	165	8	organization	organization	NOUN
cjfa-34392	165	9	’s	’s	PART
cjfa-34392	165	10	infrastructure	infrastructure	NOUN
cjfa-34392	165	11	cost	cost	NOUN
cjfa-34392	165	12	that	that	SCONJ
cjfa-34392	165	13	the	the	DET
cjfa-34392	165	14	organization	organization	NOUN
cjfa-34392	165	15	pays	pay	VERB
cjfa-34392	165	16	for	for	ADP
cjfa-34392	165	17	fintech	fintech	NOUN
cjfa-34392	165	18	does	do	AUX
cjfa-34392	165	19	not	not	PART
cjfa-34392	165	20	encourage	encourage	VERB
cjfa-34392	165	21	them	they	PRON
cjfa-34392	165	22	to	to	PART
cjfa-34392	165	23	use	use	VERB
cjfa-34392	165	24	fintech	fintech	NOUN
cjfa-34392	165	25	as	as	SCONJ
cjfa-34392	165	26	the	the	DET
cjfa-34392	165	27	majority	majority	NOUN
cjfa-34392	165	28	believe	believe	VERB
cjfa-34392	165	29	that	that	SCONJ
cjfa-34392	165	30	they	they	PRON
cjfa-34392	165	31	are	be	AUX
cjfa-34392	165	32	still	still	ADV
cjfa-34392	165	33	not	not	PART
cjfa-34392	165	34	familiar	familiar	ADJ
cjfa-34392	165	35	with	with	ADP
cjfa-34392	165	36	this	this	DET
cjfa-34392	165	37	new	new	ADJ
cjfa-34392	165	38	system	system	NOUN
cjfa-34392	165	39	.	.	PUNCT
cjfa-34392	166	1	factors	factor	NOUN
cjfa-34392	166	2	affecting	affect	VERB
cjfa-34392	166	3	the	the	DET
cjfa-34392	166	4	adoption	adoption	NOUN
cjfa-34392	166	5	of	of	ADP
cjfa-34392	166	6	fintech	fintech	NOUN
cjfa-34392	166	7	…	…	PUNCT
cjfa-34392	166	8	65	65	NUM
cjfa-34392	166	9	figure	figure	NOUN
cjfa-34392	166	10	5	5	NUM
cjfa-34392	166	11	.	.	PUNCT
cjfa-34392	167	1	why	why	SCONJ
cjfa-34392	167	2	respondents	respondent	NOUN
cjfa-34392	167	3	believe	believe	VERB
cjfa-34392	167	4	the	the	DET
cjfa-34392	167	5	organization	organization	NOUN
cjfa-34392	167	6	’s	’s	PART
cjfa-34392	167	7	infrastructure	infrastructure	NOUN
cjfa-34392	167	8	cost	cost	NOUN
cjfa-34392	167	9	does	do	AUX
cjfa-34392	167	10	not	not	PART
cjfa-34392	167	11	encourage	encourage	VERB
cjfa-34392	167	12	using	use	VERB
cjfa-34392	167	13	fintech	fintech	NOUN
cjfa-34392	167	14	source	source	NOUN
cjfa-34392	167	15	:	:	PUNCT
cjfa-34392	167	16	graph	graph	NOUN
cjfa-34392	167	17	drawn	draw	VERB
cjfa-34392	167	18	by	by	ADP
cjfa-34392	167	19	the	the	DET
cjfa-34392	167	20	authors	author	NOUN
cjfa-34392	167	21	using	use	VERB
cjfa-34392	167	22	spss	spss	PROPN
cjfa-34392	167	23	.	.	PUNCT
cjfa-34392	168	1	moreover,17	moreover,17	ADJ
cjfa-34392	168	2	%	%	NOUN
cjfa-34392	168	3	of	of	ADP
cjfa-34392	168	4	respondents	respondent	NOUN
cjfa-34392	168	5	think	think	VERB
cjfa-34392	168	6	that	that	SCONJ
cjfa-34392	168	7	the	the	DET
cjfa-34392	168	8	organization	organization	NOUN
cjfa-34392	168	9	's	's	PART
cjfa-34392	168	10	infrastructure	infrastructure	NOUN
cjfa-34392	168	11	cost	cost	NOUN
cjfa-34392	168	12	that	that	SCONJ
cjfa-34392	168	13	the	the	DET
cjfa-34392	168	14	organization	organization	NOUN
cjfa-34392	168	15	pays	pay	VERB
cjfa-34392	168	16	for	for	ADP
cjfa-34392	168	17	fintech	fintech	NOUN
cjfa-34392	168	18	does	do	AUX
cjfa-34392	168	19	not	not	PART
cjfa-34392	168	20	encourage	encourage	VERB
cjfa-34392	168	21	them	they	PRON
cjfa-34392	168	22	to	to	PART
cjfa-34392	168	23	use	use	VERB
cjfa-34392	168	24	fintech	fintech	NOUN
cjfa-34392	168	25	as	as	SCONJ
cjfa-34392	168	26	the	the	DET
cjfa-34392	168	27	majority	majority	NOUN
cjfa-34392	168	28	believe	believe	VERB
cjfa-34392	168	29	that	that	SCONJ
cjfa-34392	168	30	they	they	PRON
cjfa-34392	168	31	are	be	AUX
cjfa-34392	168	32	still	still	ADV
cjfa-34392	168	33	not	not	PART
cjfa-34392	168	34	familiar	familiar	ADJ
cjfa-34392	168	35	with	with	ADP
cjfa-34392	168	36	this	this	DET
cjfa-34392	168	37	new	new	ADJ
cjfa-34392	168	38	system	system	NOUN
cjfa-34392	168	39	.	.	PUNCT
cjfa-34392	169	1	figure	figure	NOUN
cjfa-34392	169	2	5	5	NUM
cjfa-34392	169	3	.	.	PUNCT
cjfa-34392	170	1	why	why	SCONJ
cjfa-34392	170	2	respondents	respondent	NOUN
cjfa-34392	170	3	believe	believe	VERB
cjfa-34392	170	4	the	the	DET
cjfa-34392	170	5	organization	organization	NOUN
cjfa-34392	170	6	’s	’s	PART
cjfa-34392	170	7	infrastructure	infrastructure	NOUN
cjfa-34392	170	8	cost	cost	NOUN
cjfa-34392	170	9	does	do	AUX
cjfa-34392	170	10	not	not	PART
cjfa-34392	170	11	encourage	encourage	VERB
cjfa-34392	170	12	using	use	VERB
cjfa-34392	170	13	fintech	fintech	NOUN
cjfa-34392	170	14	source	source	NOUN
cjfa-34392	170	15	:	:	PUNCT
cjfa-34392	170	16	graph	graph	NOUN
cjfa-34392	170	17	drawn	draw	VERB
cjfa-34392	170	18	by	by	ADP
cjfa-34392	170	19	the	the	DET
cjfa-34392	170	20	authors	author	NOUN
cjfa-34392	170	21	using	use	VERB
cjfa-34392	170	22	spss	spss	PROPN
cjfa-34392	170	23	.	.	PUNCT
cjfa-34392	171	1	figure	figure	NOUN
cjfa-34392	171	2	6	6	NUM
cjfa-34392	171	3	.	.	PUNCT
cjfa-34392	172	1	research	research	NOUN
cjfa-34392	172	2	model	model	NOUN
cjfa-34392	172	3	applying	apply	VERB
cjfa-34392	172	4	spss	spss	PROPN
cjfa-34392	172	5	amos	amos	PROPN
cjfa-34392	172	6	graph	graph	NOUN
cjfa-34392	172	7	(	(	PUNCT
cjfa-34392	172	8	without	without	ADP
cjfa-34392	172	9	moderating	moderate	VERB
cjfa-34392	172	10	factor	factor	NOUN
cjfa-34392	172	11	)	)	PUNCT
cjfa-34392	172	12	s	s	PART
cjfa-34392	172	13	o	o	NOUN
cjfa-34392	172	14	u	u	NOUN
cjfa-34392	172	15	r	r	NOUN
cjfa-34392	172	16	c	c	NOUN
cjfa-34392	172	17	e	e	NOUN
cjfa-34392	172	18	:	:	PUNCT
cjfa-34392	172	19	graph	graph	NOUN
cjfa-34392	172	20	drawn	draw	VERB
cjfa-34392	172	21	by	by	ADP
cjfa-34392	172	22	the	the	DET
cjfa-34392	172	23	authors	author	NOUN
cjfa-34392	172	24	using	use	VERB
cjfa-34392	172	25	spss	spss	PROPN
cjfa-34392	172	26	.	.	PUNCT
cjfa-34392	173	1	nasima	nasima	PROPN
cjfa-34392	173	2	khatun	khatun	PROPN
cjfa-34392	173	3	,	,	PUNCT
cjfa-34392	173	4	marzia	marzia	PROPN
cjfa-34392	173	5	tamanna66	tamanna66	PROPN
cjfa-34392	173	6	figure	figure	VERB
cjfa-34392	173	7	6	6	NUM
cjfa-34392	173	8	.	.	PUNCT
cjfa-34392	174	1	research	research	NOUN
cjfa-34392	174	2	model	model	NOUN
cjfa-34392	174	3	applying	apply	VERB
cjfa-34392	174	4	spss	spss	PROPN
cjfa-34392	174	5	amos	amos	PROPN
cjfa-34392	174	6	graph	graph	NOUN
cjfa-34392	174	7	(	(	PUNCT
cjfa-34392	174	8	without	without	ADP
cjfa-34392	174	9	moderating	moderate	VERB
cjfa-34392	174	10	factor	factor	NOUN
cjfa-34392	174	11	)	)	PUNCT
cjfa-34392	174	12	source	source	NOUN
cjfa-34392	174	13	:	:	PUNCT
cjfa-34392	174	14	utaut	utaut	PROPN
cjfa-34392	174	15	model	model	NOUN
cjfa-34392	174	16	created	create	VERB
cjfa-34392	174	17	by	by	ADP
cjfa-34392	174	18	the	the	DET
cjfa-34392	174	19	authors	author	NOUN
cjfa-34392	174	20	using	use	VERB
cjfa-34392	174	21	spss	spss	PROPN
cjfa-34392	174	22	amos	amos	PROPN
cjfa-34392	174	23	graph	graph	NOUN
cjfa-34392	174	24	.	.	PUNCT
cjfa-34392	174	25	table	table	NOUN
cjfa-34392	174	26	3	3	NUM
cjfa-34392	174	27	.	.	PUNCT
cjfa-34392	175	1	analysis	analysis	NOUN
cjfa-34392	175	2	of	of	ADP
cjfa-34392	175	3	the	the	DET
cjfa-34392	175	4	influencing	influence	VERB
cjfa-34392	175	5	factors	factor	NOUN
cjfa-34392	175	6	using	use	VERB
cjfa-34392	175	7	regression	regression	NOUN
cjfa-34392	175	8	model	model	NOUN
cjfa-34392	175	9	(	(	PUNCT
cjfa-34392	175	10	without	without	ADP
cjfa-34392	175	11	moderating	moderate	VERB
cjfa-34392	175	12	factor	factor	NOUN
cjfa-34392	175	13	)	)	PUNCT
cjfa-34392	175	14	s	s	PART
cjfa-34392	175	15	o	o	NOUN
cjfa-34392	175	16	u	u	NOUN
cjfa-34392	175	17	r	r	NOUN
cjfa-34392	175	18	c	c	NOUN
cjfa-34392	175	19	e	e	NOUN
cjfa-34392	175	20	:	:	PUNCT
cjfa-34392	175	21	utaut	utaut	PROPN
cjfa-34392	175	22	model	model	NOUN
cjfa-34392	175	23	created	create	VERB
cjfa-34392	175	24	by	by	ADP
cjfa-34392	175	25	the	the	DET
cjfa-34392	175	26	authors	author	NOUN
cjfa-34392	175	27	using	use	VERB
cjfa-34392	175	28	spss	spss	PROPN
cjfa-34392	175	29	amos	amos	PROPN
cjfa-34392	175	30	graph	graph	NOUN
cjfa-34392	175	31	.	.	PUNCT
cjfa-34392	176	1	factors	factor	NOUN
cjfa-34392	176	2	affecting	affect	VERB
cjfa-34392	176	3	the	the	DET
cjfa-34392	176	4	adoption	adoption	NOUN
cjfa-34392	176	5	of	of	ADP
cjfa-34392	176	6	fintech	fintech	NOUN
cjfa-34392	176	7	…	…	PUNCT
cjfa-34392	176	8	67	67	NUM
cjfa-34392	176	9	table	table	NOUN
cjfa-34392	176	10	3	3	NUM
cjfa-34392	176	11	.	.	PUNCT
cjfa-34392	177	1	analysis	analysis	NOUN
cjfa-34392	177	2	of	of	ADP
cjfa-34392	177	3	the	the	DET
cjfa-34392	177	4	influencing	influence	VERB
cjfa-34392	177	5	factors	factor	NOUN
cjfa-34392	177	6	using	use	VERB
cjfa-34392	177	7	regression	regression	NOUN
cjfa-34392	177	8	model	model	NOUN
cjfa-34392	177	9	(	(	PUNCT
cjfa-34392	177	10	without	without	ADP
cjfa-34392	177	11	moderating	moderate	VERB
cjfa-34392	177	12	factor	factor	NOUN
cjfa-34392	177	13	)	)	PUNCT
cjfa-34392	177	14	note	note	NOUN
cjfa-34392	177	15	:	:	PUNCT
cjfa-34392	177	16	*	*	PUNCT
cjfa-34392	177	17	p<.05	p<.05	NOUN
cjfa-34392	177	18	,	,	PUNCT
cjfa-34392	177	19	*	*	PUNCT
cjfa-34392	177	20	*	*	PUNCT
cjfa-34392	177	21	p<.01	p<.01	ADJ
cjfa-34392	177	22	,	,	PUNCT
cjfa-34392	177	23	*	*	PUNCT
cjfa-34392	177	24	*	*	PUNCT
cjfa-34392	177	25	*	*	PUNCT
cjfa-34392	177	26	p<.001	p<.001	NOUN
cjfa-34392	177	27	.	.	PUNCT
cjfa-34392	178	1	source	source	NOUN
cjfa-34392	178	2	:	:	PUNCT
cjfa-34392	178	3	regression	regression	NOUN
cjfa-34392	178	4	model	model	NOUN
cjfa-34392	178	5	analyzed	analyze	VERB
cjfa-34392	178	6	by	by	ADP
cjfa-34392	178	7	the	the	DET
cjfa-34392	178	8	authors	author	NOUN
cjfa-34392	178	9	using	use	VERB
cjfa-34392	178	10	spss	spss	PROPN
cjfa-34392	178	11	amos	amos	PROPN
cjfa-34392	178	12	.	.	PUNCT
cjfa-34392	179	1	after	after	ADP
cjfa-34392	179	2	analyzing	analyze	VERB
cjfa-34392	179	3	the	the	DET
cjfa-34392	179	4	data	datum	NOUN
cjfa-34392	179	5	with	with	ADP
cjfa-34392	179	6	the	the	DET
cjfa-34392	179	7	help	help	NOUN
cjfa-34392	179	8	of	of	ADP
cjfa-34392	179	9	spss	spss	PROPN
cjfa-34392	179	10	amos	amos	PROPN
cjfa-34392	179	11	graph	graph	PROPN
cjfa-34392	179	12	(	(	PUNCT
cjfa-34392	179	13	figure	figure	NOUN
cjfa-34392	179	14	6	6	NUM
cjfa-34392	179	15	)	)	PUNCT
cjfa-34392	179	16	,	,	PUNCT
cjfa-34392	179	17	we	we	PRON
cjfa-34392	179	18	have	have	AUX
cjfa-34392	179	19	found	find	VERB
cjfa-34392	179	20	the	the	DET
cjfa-34392	179	21	result	result	NOUN
cjfa-34392	179	22	of	of	ADP
cjfa-34392	179	23	the	the	DET
cjfa-34392	179	24	structural	structural	ADJ
cjfa-34392	179	25	equation	equation	NOUN
cjfa-34392	179	26	model	model	NOUN
cjfa-34392	179	27	where	where	SCONJ
cjfa-34392	179	28	the	the	DET
cjfa-34392	179	29	generalized	generalized	ADJ
cjfa-34392	179	30	least	least	ADJ
cjfa-34392	179	31	square	square	ADJ
cjfa-34392	179	32	method	method	NOUN
cjfa-34392	179	33	has	have	AUX
cjfa-34392	179	34	been	be	AUX
cjfa-34392	179	35	used	use	VERB
cjfa-34392	179	36	.	.	PUNCT
cjfa-34392	180	1	in	in	ADP
cjfa-34392	180	2	this	this	DET
cjfa-34392	180	3	stage	stage	NOUN
cjfa-34392	180	4	,	,	PUNCT
cjfa-34392	180	5	we	we	PRON
cjfa-34392	180	6	can	can	AUX
cjfa-34392	180	7	conclude	conclude	VERB
cjfa-34392	180	8	the	the	DET
cjfa-34392	180	9	tested	test	VERB
cjfa-34392	180	10	hypothesis	hypothesis	NOUN
cjfa-34392	180	11	result	result	NOUN
cjfa-34392	180	12	.	.	PUNCT
cjfa-34392	181	1	at	at	ADP
cjfa-34392	181	2	5	5	NUM
cjfa-34392	181	3	%	%	NOUN
cjfa-34392	181	4	significance	significance	NOUN
cjfa-34392	181	5	level	level	NOUN
cjfa-34392	181	6	,	,	PUNCT
cjfa-34392	181	7	we	we	PRON
cjfa-34392	181	8	can	can	AUX
cjfa-34392	181	9	say	say	VERB
cjfa-34392	181	10	that	that	SCONJ
cjfa-34392	181	11	perceived	perceive	VERB
cjfa-34392	181	12	reliability	reliability	NOUN
cjfa-34392	181	13	and	and	CCONJ
cjfa-34392	181	14	price	price	NOUN
cjfa-34392	181	15	value	value	NOUN
cjfa-34392	181	16	positively	positively	ADV
cjfa-34392	181	17	influence	influence	VERB
cjfa-34392	181	18	the	the	DET
cjfa-34392	181	19	behavioral	behavioral	ADJ
cjfa-34392	181	20	intention	intention	NOUN
cjfa-34392	181	21	to	to	PART
cjfa-34392	181	22	adopt	adopt	VERB
cjfa-34392	181	23	fintech	fintech	NOUN
cjfa-34392	181	24	.	.	PUNCT
cjfa-34392	182	1	at	at	ADP
cjfa-34392	182	2	0.1	0.1	NUM
cjfa-34392	182	3	%	%	NOUN
cjfa-34392	182	4	significance	significance	NOUN
cjfa-34392	182	5	level	level	NOUN
cjfa-34392	182	6	,	,	PUNCT
cjfa-34392	182	7	effort	effort	NOUN
cjfa-34392	182	8	expectancy	expectancy	NOUN
cjfa-34392	182	9	,	,	PUNCT
cjfa-34392	182	10	social	social	ADJ
cjfa-34392	182	11	influence	influence	NOUN
cjfa-34392	182	12	,	,	PUNCT
cjfa-34392	182	13	and	and	CCONJ
cjfa-34392	182	14	facilitating	facilitate	VERB
cjfa-34392	182	15	condition	condition	NOUN
cjfa-34392	182	16	positively	positively	ADV
cjfa-34392	182	17	influence	influence	VERB
cjfa-34392	182	18	the	the	DET
cjfa-34392	182	19	behavioral	behavioral	ADJ
cjfa-34392	182	20	intention	intention	NOUN
cjfa-34392	182	21	to	to	PART
cjfa-34392	182	22	adopt	adopt	VERB
cjfa-34392	182	23	fintech	fintech	NOUN
cjfa-34392	182	24	.	.	PUNCT
cjfa-34392	183	1	finally	finally	ADV
cjfa-34392	183	2	,	,	PUNCT
cjfa-34392	183	3	we	we	PRON
cjfa-34392	183	4	have	have	AUX
cjfa-34392	183	5	observed	observe	VERB
cjfa-34392	183	6	that	that	SCONJ
cjfa-34392	183	7	behavioral	behavioral	ADJ
cjfa-34392	183	8	intention	intention	NOUN
cjfa-34392	183	9	significantly	significantly	ADV
cjfa-34392	183	10	influenced	influence	VERB
cjfa-34392	183	11	the	the	DET
cjfa-34392	183	12	actual	actual	ADJ
cjfa-34392	183	13	usage	usage	NOUN
cjfa-34392	183	14	behavior	behavior	NOUN
cjfa-34392	183	15	of	of	ADP
cjfa-34392	183	16	fintech	fintech	NOUN
cjfa-34392	183	17	.	.	PUNCT
cjfa-34392	184	1	figure	figure	NOUN
cjfa-34392	184	2	7	7	NUM
cjfa-34392	184	3	.	.	PUNCT
cjfa-34392	184	4	research	research	NOUN
cjfa-34392	184	5	model	model	NOUN
cjfa-34392	184	6	applying	apply	VERB
cjfa-34392	184	7	spss	spss	PROPN
cjfa-34392	184	8	amos	amos	PROPN
cjfa-34392	184	9	graph	graph	NOUN
cjfa-34392	184	10	(	(	PUNCT
cjfa-34392	184	11	with	with	ADP
cjfa-34392	184	12	moderating	moderate	VERB
cjfa-34392	184	13	factor	factor	NOUN
cjfa-34392	184	14	)	)	PUNCT
cjfa-34392	184	15	note	note	NOUN
cjfa-34392	184	16	:	:	PUNCT
cjfa-34392	184	17	*	*	PUNCT
cjfa-34392	184	18	p<.05	p<.05	NOUN
cjfa-34392	184	19	,	,	PUNCT
cjfa-34392	184	20	*	*	PUNCT
cjfa-34392	184	21	*	*	PUNCT
cjfa-34392	184	22	p<.01	p<.01	ADJ
cjfa-34392	184	23	,	,	PUNCT
cjfa-34392	184	24	*	*	PUNCT
cjfa-34392	184	25	*	*	PUNCT
cjfa-34392	184	26	*	*	PUNCT
cjfa-34392	184	27	p<.001	p<.001	X
cjfa-34392	184	28	.	.	PUNCT
cjfa-34392	185	1	s	s	PART
cjfa-34392	185	2	o	o	X
cjfa-34392	185	3	u	u	NOUN
cjfa-34392	185	4	r	r	NOUN
cjfa-34392	185	5	c	c	NOUN
cjfa-34392	185	6	e	e	NOUN
cjfa-34392	185	7	:	:	PUNCT
cjfa-34392	185	8	regression	regression	NOUN
cjfa-34392	185	9	model	model	NOUN
cjfa-34392	185	10	analyzed	analyze	VERB
cjfa-34392	185	11	by	by	ADP
cjfa-34392	185	12	the	the	DET
cjfa-34392	185	13	authors	author	NOUN
cjfa-34392	185	14	using	use	VERB
cjfa-34392	185	15	spss	spss	PROPN
cjfa-34392	185	16	amos	amos	PROPN
cjfa-34392	185	17	.	.	PUNCT
cjfa-34392	186	1	after	after	ADP
cjfa-34392	186	2	analyzing	analyze	VERB
cjfa-34392	186	3	the	the	DET
cjfa-34392	186	4	data	datum	NOUN
cjfa-34392	186	5	with	with	ADP
cjfa-34392	186	6	the	the	DET
cjfa-34392	186	7	help	help	NOUN
cjfa-34392	186	8	of	of	ADP
cjfa-34392	186	9	spss	spss	PROPN
cjfa-34392	186	10	amos	amos	PROPN
cjfa-34392	186	11	graph	graph	PROPN
cjfa-34392	186	12	(	(	PUNCT
cjfa-34392	186	13	figure	figure	NOUN
cjfa-34392	186	14	6	6	NUM
cjfa-34392	186	15	)	)	PUNCT
cjfa-34392	186	16	,	,	PUNCT
cjfa-34392	186	17	we	we	PRON
cjfa-34392	186	18	have	have	AUX
cjfa-34392	186	19	found	find	VERB
cjfa-34392	186	20	the	the	DET
cjfa-34392	186	21	result	result	NOUN
cjfa-34392	186	22	of	of	ADP
cjfa-34392	186	23	the	the	DET
cjfa-34392	186	24	structural	structural	ADJ
cjfa-34392	186	25	equation	equation	NOUN
cjfa-34392	186	26	model	model	NOUN
cjfa-34392	186	27	where	where	SCONJ
cjfa-34392	186	28	the	the	DET
cjfa-34392	186	29	generalized	generalized	ADJ
cjfa-34392	186	30	least	least	ADJ
cjfa-34392	186	31	square	square	ADJ
cjfa-34392	186	32	method	method	NOUN
cjfa-34392	186	33	has	have	AUX
cjfa-34392	186	34	been	be	AUX
cjfa-34392	186	35	used	use	VERB
cjfa-34392	186	36	.	.	PUNCT
cjfa-34392	187	1	in	in	ADP
cjfa-34392	187	2	this	this	DET
cjfa-34392	187	3	stage	stage	NOUN
cjfa-34392	187	4	,	,	PUNCT
cjfa-34392	187	5	we	we	PRON
cjfa-34392	187	6	can	can	AUX
cjfa-34392	187	7	conclude	conclude	VERB
cjfa-34392	187	8	the	the	DET
cjfa-34392	187	9	tested	test	VERB
cjfa-34392	187	10	hypothesis	hypothesis	NOUN
cjfa-34392	187	11	result	result	NOUN
cjfa-34392	187	12	.	.	PUNCT
cjfa-34392	188	1	at	at	ADP
cjfa-34392	188	2	5	5	NUM
cjfa-34392	188	3	%	%	NOUN
cjfa-34392	188	4	significance	significance	NOUN
cjfa-34392	188	5	level	level	NOUN
cjfa-34392	188	6	,	,	PUNCT
cjfa-34392	188	7	we	we	PRON
cjfa-34392	188	8	can	can	AUX
cjfa-34392	188	9	say	say	VERB
cjfa-34392	188	10	that	that	SCONJ
cjfa-34392	188	11	perceived	perceive	VERB
cjfa-34392	188	12	reliability	reliability	NOUN
cjfa-34392	188	13	and	and	CCONJ
cjfa-34392	188	14	price	price	NOUN
cjfa-34392	188	15	value	value	NOUN
cjfa-34392	188	16	positively	positively	ADV
cjfa-34392	188	17	influence	influence	VERB
cjfa-34392	188	18	the	the	DET
cjfa-34392	188	19	behavioral	behavioral	ADJ
cjfa-34392	188	20	intention	intention	NOUN
cjfa-34392	188	21	to	to	PART
cjfa-34392	188	22	adopt	adopt	VERB
cjfa-34392	188	23	fintech	fintech	NOUN
cjfa-34392	188	24	.	.	PUNCT
cjfa-34392	189	1	at	at	ADP
cjfa-34392	189	2	0.1	0.1	NUM
cjfa-34392	189	3	%	%	NOUN
cjfa-34392	189	4	significance	significance	NOUN
cjfa-34392	189	5	level	level	NOUN
cjfa-34392	189	6	,	,	PUNCT
cjfa-34392	189	7	effort	effort	NOUN
cjfa-34392	189	8	expectancy	expectancy	NOUN
cjfa-34392	189	9	,	,	PUNCT
cjfa-34392	189	10	social	social	ADJ
cjfa-34392	189	11	influence	influence	NOUN
cjfa-34392	189	12	,	,	PUNCT
cjfa-34392	189	13	and	and	CCONJ
cjfa-34392	189	14	facilitating	facilitate	VERB
cjfa-34392	189	15	condition	condition	NOUN
cjfa-34392	189	16	positively	positively	ADV
cjfa-34392	189	17	influence	influence	VERB
cjfa-34392	189	18	the	the	DET
cjfa-34392	189	19	behavioral	behavioral	ADJ
cjfa-34392	189	20	intention	intention	NOUN
cjfa-34392	189	21	to	to	PART
cjfa-34392	189	22	adopt	adopt	VERB
cjfa-34392	189	23	fintech	fintech	NOUN
cjfa-34392	189	24	.	.	PUNCT
cjfa-34392	190	1	finally	finally	ADV
cjfa-34392	190	2	,	,	PUNCT
cjfa-34392	190	3	we	we	PRON
cjfa-34392	190	4	have	have	AUX
cjfa-34392	190	5	observed	observe	VERB
cjfa-34392	190	6	that	that	SCONJ
cjfa-34392	190	7	behavioral	behavioral	ADJ
cjfa-34392	190	8	intention	intention	NOUN
cjfa-34392	190	9	significantly	significantly	ADV
cjfa-34392	190	10	influenced	influence	VERB
cjfa-34392	190	11	the	the	DET
cjfa-34392	190	12	actual	actual	ADJ
cjfa-34392	190	13	usage	usage	NOUN
cjfa-34392	190	14	behavior	behavior	NOUN
cjfa-34392	190	15	of	of	ADP
cjfa-34392	190	16	fintech	fintech	NOUN
cjfa-34392	190	17	.	.	PUNCT
cjfa-34392	191	1	nasima	nasima	PROPN
cjfa-34392	191	2	khatun	khatun	PROPN
cjfa-34392	191	3	,	,	PUNCT
cjfa-34392	191	4	marzia	marzia	PROPN
cjfa-34392	191	5	tamanna68	tamanna68	PROPN
cjfa-34392	191	6	figure	figure	NOUN
cjfa-34392	191	7	7	7	NUM
cjfa-34392	191	8	.	.	PUNCT
cjfa-34392	191	9	research	research	NOUN
cjfa-34392	191	10	model	model	NOUN
cjfa-34392	191	11	applying	apply	VERB
cjfa-34392	191	12	spss	spss	PROPN
cjfa-34392	191	13	amos	amos	PROPN
cjfa-34392	191	14	graph	graph	NOUN
cjfa-34392	191	15	(	(	PUNCT
cjfa-34392	191	16	with	with	ADP
cjfa-34392	191	17	moderating	moderate	VERB
cjfa-34392	191	18	factor	factor	NOUN
cjfa-34392	191	19	)	)	PUNCT
cjfa-34392	191	20	source	source	NOUN
cjfa-34392	191	21	:	:	PUNCT
cjfa-34392	191	22	utaut	utaut	PROPN
cjfa-34392	191	23	model	model	NOUN
cjfa-34392	191	24	created	create	VERB
cjfa-34392	191	25	by	by	ADP
cjfa-34392	191	26	the	the	DET
cjfa-34392	191	27	authors	author	NOUN
cjfa-34392	191	28	using	use	VERB
cjfa-34392	191	29	spss	spss	PROPN
cjfa-34392	191	30	amos	amos	PROPN
cjfa-34392	191	31	graph	graph	NOUN
cjfa-34392	191	32	.	.	PUNCT
cjfa-34392	192	1	s	s	PART
cjfa-34392	192	2	o	o	X
cjfa-34392	192	3	u	u	NOUN
cjfa-34392	192	4	r	r	NOUN
cjfa-34392	192	5	c	c	NOUN
cjfa-34392	192	6	e	e	NOUN
cjfa-34392	192	7	:	:	PUNCT
cjfa-34392	192	8	utaut	utaut	PROPN
cjfa-34392	192	9	model	model	NOUN
cjfa-34392	192	10	created	create	VERB
cjfa-34392	192	11	by	by	ADP
cjfa-34392	192	12	the	the	DET
cjfa-34392	192	13	authors	author	NOUN
cjfa-34392	192	14	using	use	VERB
cjfa-34392	192	15	spss	spss	PROPN
cjfa-34392	192	16	amos	amos	PROPN
cjfa-34392	192	17	graph	graph	NOUN
cjfa-34392	192	18	.	.	PUNCT
cjfa-34392	193	1	factors	factor	NOUN
cjfa-34392	193	2	affecting	affect	VERB
cjfa-34392	193	3	the	the	DET
cjfa-34392	193	4	adoption	adoption	NOUN
cjfa-34392	193	5	of	of	ADP
cjfa-34392	193	6	fintech	fintech	NOUN
cjfa-34392	193	7	…	…	PUNCT
cjfa-34392	193	8	69	69	NUM
cjfa-34392	193	9	table	table	NOUN
cjfa-34392	193	10	4	4	NUM
cjfa-34392	193	11	.	.	PUNCT
cjfa-34392	194	1	analysis	analysis	NOUN
cjfa-34392	194	2	of	of	ADP
cjfa-34392	194	3	the	the	DET
cjfa-34392	194	4	influencing	influence	VERB
cjfa-34392	194	5	factors	factor	NOUN
cjfa-34392	194	6	using	use	VERB
cjfa-34392	194	7	regression	regression	NOUN
cjfa-34392	194	8	model	model	NOUN
cjfa-34392	194	9	(	(	PUNCT
cjfa-34392	194	10	with	with	ADP
cjfa-34392	194	11	moderating	moderate	VERB
cjfa-34392	194	12	factor	factor	NOUN
cjfa-34392	194	13	)	)	PUNCT
cjfa-34392	194	14	table	table	NOUN
cjfa-34392	194	15	4	4	NUM
cjfa-34392	194	16	.	.	PUNCT
cjfa-34392	195	1	analysis	analysis	NOUN
cjfa-34392	195	2	of	of	ADP
cjfa-34392	195	3	the	the	DET
cjfa-34392	195	4	influencing	influence	VERB
cjfa-34392	195	5	factors	factor	NOUN
cjfa-34392	195	6	using	use	VERB
cjfa-34392	195	7	regression	regression	NOUN
cjfa-34392	195	8	model	model	NOUN
cjfa-34392	195	9	(	(	PUNCT
cjfa-34392	195	10	with	with	ADP
cjfa-34392	195	11	moderating	moderate	VERB
cjfa-34392	195	12	factor	factor	NOUN
cjfa-34392	195	13	)	)	PUNCT
cjfa-34392	195	14	note	note	NOUN
cjfa-34392	195	15	:	:	PUNCT
cjfa-34392	195	16	*	*	PUNCT
cjfa-34392	195	17	p<.05	p<.05	NOUN
cjfa-34392	195	18	,	,	PUNCT
cjfa-34392	195	19	*	*	PUNCT
cjfa-34392	195	20	*	*	PUNCT
cjfa-34392	195	21	p<.01	p<.01	ADJ
cjfa-34392	195	22	,	,	PUNCT
cjfa-34392	195	23	*	*	PUNCT
cjfa-34392	195	24	*	*	PUNCT
cjfa-34392	195	25	*	*	NOUN
cjfa-34392	195	26	p<.001	p<.001	PRON
cjfa-34392	195	27	source	source	NOUN
cjfa-34392	195	28	:	:	PUNCT
cjfa-34392	195	29	regression	regression	NOUN
cjfa-34392	195	30	model	model	NOUN
cjfa-34392	195	31	analyzed	analyze	VERB
cjfa-34392	195	32	by	by	ADP
cjfa-34392	195	33	the	the	DET
cjfa-34392	195	34	authors	author	NOUN
cjfa-34392	195	35	using	use	VERB
cjfa-34392	195	36	spss	spss	PROPN
cjfa-34392	195	37	amos	amos	PROPN
cjfa-34392	195	38	.	.	PUNCT
cjfa-34392	196	1	to	to	PART
cjfa-34392	196	2	see	see	VERB
cjfa-34392	196	3	the	the	DET
cjfa-34392	196	4	impact	impact	NOUN
cjfa-34392	196	5	of	of	ADP
cjfa-34392	196	6	moderating	moderate	VERB
cjfa-34392	196	7	effect	effect	NOUN
cjfa-34392	196	8	of	of	ADP
cjfa-34392	196	9	age	age	NOUN
cjfa-34392	196	10	,	,	PUNCT
cjfa-34392	196	11	we	we	PRON
cjfa-34392	196	12	have	have	AUX
cjfa-34392	196	13	run	run	VERB
cjfa-34392	196	14	the	the	DET
cjfa-34392	196	15	utaut	utaut	PROPN
cjfa-34392	196	16	model	model	NOUN
cjfa-34392	196	17	with	with	ADP
cjfa-34392	196	18	spss	spss	PROPN
cjfa-34392	196	19	amos	amos	PROPN
cjfa-34392	196	20	again	again	ADV
cjfa-34392	196	21	(	(	PUNCT
cjfa-34392	196	22	figure	figure	NOUN
cjfa-34392	196	23	7	7	NUM
cjfa-34392	196	24	)	)	PUNCT
cjfa-34392	196	25	and	and	CCONJ
cjfa-34392	196	26	found	find	VERB
cjfa-34392	196	27	that	that	SCONJ
cjfa-34392	196	28	at	at	ADP
cjfa-34392	196	29	0.1	0.1	NUM
cjfa-34392	196	30	%	%	NOUN
cjfa-34392	196	31	significance	significance	NOUN
cjfa-34392	196	32	level	level	NOUN
cjfa-34392	196	33	,	,	PUNCT
cjfa-34392	196	34	age	age	NOUN
cjfa-34392	196	35	has	have	VERB
cjfa-34392	196	36	a	a	DET
cjfa-34392	196	37	significant	significant	ADJ
cjfa-34392	196	38	moderating	moderate	VERB
cjfa-34392	196	39	role	role	NOUN
cjfa-34392	196	40	in	in	ADP
cjfa-34392	196	41	the	the	DET
cjfa-34392	196	42	relationship	relationship	NOUN
cjfa-34392	196	43	between	between	ADP
cjfa-34392	196	44	performance	performance	NOUN
cjfa-34392	196	45	expectancy	expectancy	NOUN
cjfa-34392	196	46	,	,	PUNCT
cjfa-34392	196	47	effort	effort	NOUN
cjfa-34392	196	48	expectancy	expectancy	NOUN
cjfa-34392	196	49	,	,	PUNCT
cjfa-34392	196	50	social	social	ADJ
cjfa-34392	196	51	influence	influence	NOUN
cjfa-34392	196	52	,	,	PUNCT
cjfa-34392	196	53	facilitating	facilitate	VERB
cjfa-34392	196	54	condition	condition	NOUN
cjfa-34392	196	55	,	,	PUNCT
cjfa-34392	196	56	perceived	perceive	VERB
cjfa-34392	196	57	reliability	reliability	NOUN
cjfa-34392	196	58	and	and	CCONJ
cjfa-34392	196	59	behavioral	behavioral	ADJ
cjfa-34392	196	60	intention	intention	NOUN
cjfa-34392	196	61	to	to	PART
cjfa-34392	196	62	adopt	adopt	VERB
cjfa-34392	196	63	fintech	fintech	NOUN
cjfa-34392	196	64	.	.	PUNCT
cjfa-34392	197	1	additionally	additionally	ADV
cjfa-34392	197	2	,	,	PUNCT
cjfa-34392	197	3	nervousness	nervousness	NOUN
cjfa-34392	197	4	negatively	negatively	ADV
cjfa-34392	197	5	influences	influence	VERB
cjfa-34392	197	6	the	the	DET
cjfa-34392	197	7	behavioral	behavioral	ADJ
cjfa-34392	197	8	intention	intention	NOUN
cjfa-34392	197	9	of	of	ADP
cjfa-34392	197	10	fintech	fintech	NOUN
cjfa-34392	197	11	users	user	NOUN
cjfa-34392	197	12	.	.	PUNCT
cjfa-34392	198	1	moreover	moreover	ADV
cjfa-34392	198	2	,	,	PUNCT
cjfa-34392	198	3	behavioral	behavioral	ADJ
cjfa-34392	198	4	intention	intention	NOUN
cjfa-34392	198	5	of	of	ADP
cjfa-34392	198	6	fintech	fintech	NOUN
cjfa-34392	198	7	users	user	NOUN
cjfa-34392	198	8	positively	positively	ADV
cjfa-34392	198	9	influences	influence	VERB
cjfa-34392	198	10	the	the	DET
cjfa-34392	198	11	actual	actual	ADJ
cjfa-34392	198	12	use	use	NOUN
cjfa-34392	198	13	with	with	ADP
cjfa-34392	198	14	the	the	DET
cjfa-34392	198	15	existence	existence	NOUN
cjfa-34392	198	16	of	of	ADP
cjfa-34392	198	17	moderating	moderate	VERB
cjfa-34392	198	18	variable	variable	NOUN
cjfa-34392	198	19	.	.	PUNCT
cjfa-34392	199	1	for	for	ADP
cjfa-34392	199	2	further	further	ADJ
cjfa-34392	199	3	verification	verification	NOUN
cjfa-34392	199	4	,	,	PUNCT
cjfa-34392	199	5	we	we	PRON
cjfa-34392	199	6	have	have	AUX
cjfa-34392	199	7	tested	test	VERB
cjfa-34392	199	8	the	the	DET
cjfa-34392	199	9	correlation	correlation	NOUN
cjfa-34392	199	10	between	between	ADP
cjfa-34392	199	11	the	the	DET
cjfa-34392	199	12	independent	independent	ADJ
cjfa-34392	199	13	variables	variable	NOUN
cjfa-34392	199	14	and	and	CCONJ
cjfa-34392	199	15	age	age	NOUN
cjfa-34392	199	16	.	.	PUNCT
cjfa-34392	200	1	as	as	SCONJ
cjfa-34392	200	2	our	our	PRON
cjfa-34392	200	3	measurement	measurement	NOUN
cjfa-34392	200	4	is	be	AUX
cjfa-34392	200	5	based	base	VERB
cjfa-34392	200	6	on	on	ADP
cjfa-34392	200	7	the	the	DET
cjfa-34392	200	8	likert	likert	ADJ
cjfa-34392	200	9	scale	scale	NOUN
cjfa-34392	200	10	,	,	PUNCT
cjfa-34392	200	11	we	we	PRON
cjfa-34392	200	12	have	have	AUX
cjfa-34392	200	13	followed	follow	VERB
cjfa-34392	200	14	spearman	spearman	NOUN
cjfa-34392	200	15	’s	’s	PART
cjfa-34392	200	16	correlation	correlation	NOUN
cjfa-34392	200	17	test	test	NOUN
cjfa-34392	200	18	.	.	PUNCT
cjfa-34392	201	1	in	in	ADP
cjfa-34392	201	2	spss	spss	PROPN
cjfa-34392	201	3	,	,	PUNCT
cjfa-34392	201	4	with	with	ADP
cjfa-34392	201	5	bivariate	bivariate	ADJ
cjfa-34392	201	6	correlation	correlation	NOUN
cjfa-34392	201	7	analysis	analysis	NOUN
cjfa-34392	201	8	,	,	PUNCT
cjfa-34392	201	9	we	we	PRON
cjfa-34392	201	10	obtained	obtain	VERB
cjfa-34392	201	11	our	our	PRON
cjfa-34392	201	12	outputs	output	NOUN
cjfa-34392	201	13	significant	significant	ADJ
cjfa-34392	201	14	,	,	PUNCT
cjfa-34392	201	15	as	as	SCONJ
cjfa-34392	201	16	the	the	DET
cjfa-34392	201	17	correlated	correlate	VERB
cjfa-34392	201	18	values	value	NOUN
cjfa-34392	201	19	are	be	AUX
cjfa-34392	201	20	less	less	ADJ
cjfa-34392	201	21	than	than	ADP
cjfa-34392	201	22	.05	.05	NUM
cjfa-34392	201	23	.	.	PUNCT
cjfa-34392	202	1	for	for	ADP
cjfa-34392	202	2	example	example	NOUN
cjfa-34392	202	3	,	,	PUNCT
cjfa-34392	202	4	we	we	PRON
cjfa-34392	202	5	can	can	AUX
cjfa-34392	202	6	see	see	VERB
cjfa-34392	202	7	the	the	DET
cjfa-34392	202	8	table	table	NOUN
cjfa-34392	202	9	below	below	ADP
cjfa-34392	202	10	n	n	PRON
cjfa-34392	202	11	o	o	NOUN
cjfa-34392	202	12	t	t	NOUN
cjfa-34392	202	13	e	e	NOUN
cjfa-34392	202	14	:	:	PUNCT
cjfa-34392	202	15	*	*	PUNCT
cjfa-34392	202	16	p<.05	p<.05	NOUN
cjfa-34392	202	17	,	,	PUNCT
cjfa-34392	202	18	*	*	PUNCT
cjfa-34392	202	19	*	*	PUNCT
cjfa-34392	202	20	p<.01	p<.01	ADJ
cjfa-34392	202	21	,	,	PUNCT
cjfa-34392	202	22	*	*	PUNCT
cjfa-34392	202	23	*	*	PUNCT
cjfa-34392	202	24	*	*	PUNCT
cjfa-34392	202	25	p<.001	p<.001	NOUN
cjfa-34392	202	26	s	s	PART
cjfa-34392	202	27	o	o	X
cjfa-34392	202	28	u	u	NOUN
cjfa-34392	202	29	r	r	NOUN
cjfa-34392	202	30	c	c	NOUN
cjfa-34392	202	31	e	e	NOUN
cjfa-34392	202	32	:	:	PUNCT
cjfa-34392	202	33	regression	regression	NOUN
cjfa-34392	202	34	model	model	NOUN
cjfa-34392	202	35	analyzed	analyze	VERB
cjfa-34392	202	36	by	by	ADP
cjfa-34392	202	37	the	the	DET
cjfa-34392	202	38	authors	author	NOUN
cjfa-34392	202	39	using	use	VERB
cjfa-34392	202	40	spss	spss	PROPN
cjfa-34392	202	41	amos	amos	PROPN
cjfa-34392	202	42	.	.	PUNCT
cjfa-34392	203	1	to	to	PART
cjfa-34392	203	2	see	see	VERB
cjfa-34392	203	3	the	the	DET
cjfa-34392	203	4	impact	impact	NOUN
cjfa-34392	203	5	of	of	ADP
cjfa-34392	203	6	moderating	moderate	VERB
cjfa-34392	203	7	effect	effect	NOUN
cjfa-34392	203	8	of	of	ADP
cjfa-34392	203	9	age	age	NOUN
cjfa-34392	203	10	,	,	PUNCT
cjfa-34392	203	11	we	we	PRON
cjfa-34392	203	12	have	have	AUX
cjfa-34392	203	13	run	run	VERB
cjfa-34392	203	14	the	the	DET
cjfa-34392	203	15	utaut	utaut	PROPN
cjfa-34392	203	16	model	model	NOUN
cjfa-34392	203	17	with	with	ADP
cjfa-34392	203	18	spss	spss	PROPN
cjfa-34392	203	19	amos	amos	PROPN
cjfa-34392	203	20	again	again	ADV
cjfa-34392	203	21	(	(	PUNCT
cjfa-34392	203	22	figure	figure	NOUN
cjfa-34392	203	23	7	7	NUM
cjfa-34392	203	24	)	)	PUNCT
cjfa-34392	203	25	and	and	CCONJ
cjfa-34392	203	26	found	find	VERB
cjfa-34392	203	27	that	that	SCONJ
cjfa-34392	203	28	at	at	ADP
cjfa-34392	203	29	0.1	0.1	NUM
cjfa-34392	203	30	%	%	NOUN
cjfa-34392	203	31	significance	significance	NOUN
cjfa-34392	203	32	level	level	NOUN
cjfa-34392	203	33	,	,	PUNCT
cjfa-34392	203	34	age	age	NOUN
cjfa-34392	203	35	has	have	VERB
cjfa-34392	203	36	a	a	DET
cjfa-34392	203	37	significant	significant	ADJ
cjfa-34392	203	38	moderating	moderate	VERB
cjfa-34392	203	39	role	role	NOUN
cjfa-34392	203	40	in	in	ADP
cjfa-34392	203	41	the	the	DET
cjfa-34392	203	42	relationship	relationship	NOUN
cjfa-34392	203	43	between	between	ADP
cjfa-34392	203	44	performance	performance	NOUN
cjfa-34392	203	45	expectancy	expectancy	NOUN
cjfa-34392	203	46	,	,	PUNCT
cjfa-34392	203	47	effort	effort	NOUN
cjfa-34392	203	48	expectancy	expectancy	NOUN
cjfa-34392	203	49	,	,	PUNCT
cjfa-34392	203	50	social	social	ADJ
cjfa-34392	203	51	influence	influence	NOUN
cjfa-34392	203	52	,	,	PUNCT
cjfa-34392	203	53	facilitating	facilitate	VERB
cjfa-34392	203	54	condition	condition	NOUN
cjfa-34392	203	55	,	,	PUNCT
cjfa-34392	203	56	perceived	perceive	VERB
cjfa-34392	203	57	reliability	reliability	NOUN
cjfa-34392	203	58	and	and	CCONJ
cjfa-34392	203	59	behavioral	behavioral	ADJ
cjfa-34392	203	60	intention	intention	NOUN
cjfa-34392	203	61	to	to	PART
cjfa-34392	203	62	adopt	adopt	VERB
cjfa-34392	203	63	fintech	fintech	NOUN
cjfa-34392	203	64	.	.	PUNCT
cjfa-34392	204	1	additionally	additionally	ADV
cjfa-34392	204	2	,	,	PUNCT
cjfa-34392	204	3	nervousness	nervousness	NOUN
cjfa-34392	204	4	negatively	negatively	ADV
cjfa-34392	204	5	influences	influence	VERB
cjfa-34392	204	6	the	the	DET
cjfa-34392	204	7	behavioral	behavioral	ADJ
cjfa-34392	204	8	intention	intention	NOUN
cjfa-34392	204	9	of	of	ADP
cjfa-34392	204	10	fintech	fintech	NOUN
cjfa-34392	204	11	users	user	NOUN
cjfa-34392	204	12	.	.	PUNCT
cjfa-34392	205	1	moreover	moreover	ADV
cjfa-34392	205	2	,	,	PUNCT
cjfa-34392	205	3	behavioral	behavioral	ADJ
cjfa-34392	205	4	intention	intention	NOUN
cjfa-34392	205	5	of	of	ADP
cjfa-34392	205	6	fintech	fintech	NOUN
cjfa-34392	205	7	users	user	NOUN
cjfa-34392	205	8	positively	positively	ADV
cjfa-34392	205	9	influences	influence	VERB
cjfa-34392	205	10	the	the	DET
cjfa-34392	205	11	actual	actual	ADJ
cjfa-34392	205	12	use	use	NOUN
cjfa-34392	205	13	with	with	ADP
cjfa-34392	205	14	the	the	DET
cjfa-34392	205	15	existence	existence	NOUN
cjfa-34392	205	16	of	of	ADP
cjfa-34392	205	17	moderating	moderate	VERB
cjfa-34392	205	18	variable	variable	NOUN
cjfa-34392	205	19	.	.	PUNCT
cjfa-34392	206	1	for	for	ADP
cjfa-34392	206	2	further	further	ADJ
cjfa-34392	206	3	verification	verification	NOUN
cjfa-34392	206	4	,	,	PUNCT
cjfa-34392	206	5	we	we	PRON
cjfa-34392	206	6	have	have	AUX
cjfa-34392	206	7	tested	test	VERB
cjfa-34392	206	8	the	the	DET
cjfa-34392	206	9	correlation	correlation	NOUN
cjfa-34392	206	10	between	between	ADP
cjfa-34392	206	11	the	the	DET
cjfa-34392	206	12	independent	independent	ADJ
cjfa-34392	206	13	variables	variable	NOUN
cjfa-34392	206	14	and	and	CCONJ
cjfa-34392	206	15	age	age	NOUN
cjfa-34392	206	16	.	.	PUNCT
cjfa-34392	207	1	as	as	SCONJ
cjfa-34392	207	2	our	our	PRON
cjfa-34392	207	3	measurement	measurement	NOUN
cjfa-34392	207	4	is	be	AUX
cjfa-34392	207	5	based	base	VERB
cjfa-34392	207	6	on	on	ADP
cjfa-34392	207	7	the	the	DET
cjfa-34392	207	8	likert	likert	ADJ
cjfa-34392	207	9	scale	scale	NOUN
cjfa-34392	207	10	,	,	PUNCT
cjfa-34392	207	11	we	we	PRON
cjfa-34392	207	12	have	have	AUX
cjfa-34392	207	13	followed	follow	VERB
cjfa-34392	207	14	spearman	spearman	NOUN
cjfa-34392	207	15	’s	’s	PART
cjfa-34392	207	16	correlation	correlation	NOUN
cjfa-34392	207	17	test	test	NOUN
cjfa-34392	207	18	.	.	PUNCT
cjfa-34392	208	1	in	in	ADP
cjfa-34392	208	2	spss	spss	PROPN
cjfa-34392	208	3	,	,	PUNCT
cjfa-34392	208	4	with	with	ADP
cjfa-34392	208	5	bivariate	bivariate	ADJ
cjfa-34392	208	6	correlation	correlation	NOUN
cjfa-34392	208	7	analysis	analysis	NOUN
cjfa-34392	208	8	,	,	PUNCT
cjfa-34392	208	9	we	we	PRON
cjfa-34392	208	10	obtained	obtain	VERB
cjfa-34392	208	11	our	our	PRON
cjfa-34392	208	12	outputs	output	NOUN
cjfa-34392	208	13	significant	significant	ADJ
cjfa-34392	208	14	,	,	PUNCT
cjfa-34392	208	15	as	as	SCONJ
cjfa-34392	208	16	the	the	DET
cjfa-34392	208	17	correlated	correlate	VERB
cjfa-34392	208	18	values	value	NOUN
cjfa-34392	208	19	are	be	AUX
cjfa-34392	208	20	less	less	ADJ
cjfa-34392	208	21	than	than	ADP
cjfa-34392	208	22	.05	.05	NUM
cjfa-34392	208	23	.	.	PUNCT
cjfa-34392	209	1	for	for	ADP
cjfa-34392	209	2	example	example	NOUN
cjfa-34392	209	3	,	,	PUNCT
cjfa-34392	209	4	we	we	PRON
cjfa-34392	209	5	can	can	AUX
cjfa-34392	209	6	see	see	VERB
cjfa-34392	209	7	the	the	DET
cjfa-34392	209	8	table	table	NOUN
cjfa-34392	209	9	below	below	ADP
cjfa-34392	209	10	where	where	SCONJ
cjfa-34392	209	11	the	the	DET
cjfa-34392	209	12	correlation	correlation	NOUN
cjfa-34392	209	13	between	between	ADP
cjfa-34392	209	14	age	age	NOUN
cjfa-34392	209	15	and	and	CCONJ
cjfa-34392	209	16	nervousness	nervousness	NOUN
cjfa-34392	209	17	is	be	AUX
cjfa-34392	209	18	0.044(<.05	0.044(<.05	NUM
cjfa-34392	209	19	)	)	PUNCT
cjfa-34392	209	20	.	.	PUNCT
cjfa-34392	210	1	furthermore	furthermore	ADV
cjfa-34392	210	2	,	,	PUNCT
cjfa-34392	210	3	the	the	DET
cjfa-34392	210	4	correlation	correlation	NOUN
cjfa-34392	210	5	coeffinasima	coeffinasima	NOUN
cjfa-34392	210	6	khatun	khatun	PROPN
cjfa-34392	210	7	,	,	PUNCT
cjfa-34392	210	8	marzia	marzia	PROPN
cjfa-34392	210	9	tamanna70	tamanna70	NOUN
cjfa-34392	210	10	cient	cient	VERB
cjfa-34392	210	11	between	between	ADP
cjfa-34392	210	12	age	age	NOUN
cjfa-34392	210	13	and	and	CCONJ
cjfa-34392	210	14	nervousness	nervousness	NOUN
cjfa-34392	210	15	is	be	AUX
cjfa-34392	210	16	negative	negative	ADJ
cjfa-34392	210	17	,	,	PUNCT
cjfa-34392	210	18	which	which	PRON
cjfa-34392	210	19	directs	direct	VERB
cjfa-34392	210	20	that	that	SCONJ
cjfa-34392	210	21	nervousness	nervousness	NOUN
cjfa-34392	210	22	works	work	VERB
cjfa-34392	210	23	more	more	ADJ
cjfa-34392	210	24	for	for	ADP
cjfa-34392	210	25	the	the	DET
cjfa-34392	210	26	young	young	ADJ
cjfa-34392	210	27	aged	aged	ADJ
cjfa-34392	210	28	than	than	ADP
cjfa-34392	210	29	the	the	DET
cjfa-34392	210	30	aged	aged	ADJ
cjfa-34392	210	31	users	user	NOUN
cjfa-34392	210	32	.	.	PUNCT
cjfa-34392	210	33	table	table	NOUN
cjfa-34392	210	34	5	5	NUM
cjfa-34392	210	35	.	.	PUNCT
cjfa-34392	210	36	correlation	correlation	NOUN
cjfa-34392	210	37	between	between	ADP
cjfa-34392	210	38	age	age	NOUN
cjfa-34392	210	39	and	and	CCONJ
cjfa-34392	210	40	nervousness	nervousness	NOUN
cjfa-34392	210	41	correlations	correlation	NOUN
cjfa-34392	210	42	age	age	NOUN
cjfa-34392	210	43	nervousness	nervousness	NOUN
cjfa-34392	210	44	spearman	spearman	NOUN
cjfa-34392	210	45	’s	’s	PART
cjfa-34392	210	46	rho	rho	ADJ
cjfa-34392	210	47	age	age	NOUN
cjfa-34392	210	48	correlation	correlation	NOUN
cjfa-34392	210	49	coefficient	coefficient	NOUN
cjfa-34392	211	1	1.000	1.000	NUM
cjfa-34392	211	2	-.124	-.124	PROPN
cjfa-34392	211	3	*	*	PROPN
cjfa-34392	211	4	sig	sig	PROPN
cjfa-34392	211	5	.	.	PUNCT
cjfa-34392	212	1	(	(	PUNCT
cjfa-34392	212	2	2	2	NUM
cjfa-34392	212	3	-	-	PUNCT
cjfa-34392	212	4	tailed	tailed	ADJ
cjfa-34392	212	5	)	)	PUNCT
cjfa-34392	212	6	.	.	PUNCT
cjfa-34392	213	1	.044	.044	NUM
cjfa-34392	214	1	n	n	PRON
cjfa-34392	214	2	265	265	NUM
cjfa-34392	214	3	265	265	NUM
cjfa-34392	214	4	nervousness	nervousness	NOUN
cjfa-34392	214	5	correlation	correlation	NOUN
cjfa-34392	214	6	coefficient	coefficient	NOUN
cjfa-34392	214	7	-.124	-.124	PROPN
cjfa-34392	214	8	*	*	PROPN
cjfa-34392	214	9	1.000	1.000	NUM
cjfa-34392	214	10	sig	sig	NOUN
cjfa-34392	214	11	.	.	PUNCT
cjfa-34392	215	1	(	(	PUNCT
cjfa-34392	215	2	2	2	NUM
cjfa-34392	215	3	-	-	PUNCT
cjfa-34392	215	4	tailed	tail	VERB
cjfa-34392	215	5	)	)	PUNCT
cjfa-34392	215	6	.044	.044	NUM
cjfa-34392	215	7	.	.	PUNCT
cjfa-34392	216	1	n	n	CCONJ
cjfa-34392	217	1	265	265	NUM
cjfa-34392	217	2	265	265	NUM
cjfa-34392	217	3	*	*	PUNCT
cjfa-34392	217	4	.	.	PUNCT
cjfa-34392	217	5	correlation	correlation	NOUN
cjfa-34392	217	6	is	be	AUX
cjfa-34392	217	7	significant	significant	ADJ
cjfa-34392	217	8	at	at	ADP
cjfa-34392	217	9	the	the	DET
cjfa-34392	217	10	0.05	0.05	NUM
cjfa-34392	217	11	level	level	NOUN
cjfa-34392	217	12	(	(	PUNCT
cjfa-34392	217	13	2	2	NUM
cjfa-34392	217	14	-	-	PUNCT
cjfa-34392	217	15	tailed	tailed	ADJ
cjfa-34392	217	16	)	)	PUNCT
cjfa-34392	217	17	.	.	PUNCT
cjfa-34392	218	1	s	s	PART
cjfa-34392	218	2	o	o	X
cjfa-34392	218	3	u	u	NOUN
cjfa-34392	218	4	r	r	NOUN
cjfa-34392	218	5	c	c	NOUN
cjfa-34392	218	6	e	e	NOUN
cjfa-34392	218	7	:	:	PUNCT
cjfa-34392	218	8	output	output	NOUN
cjfa-34392	218	9	of	of	ADP
cjfa-34392	218	10	the	the	DET
cjfa-34392	218	11	correlation	correlation	NOUN
cjfa-34392	218	12	run	run	VERB
cjfa-34392	218	13	by	by	ADP
cjfa-34392	218	14	authors	author	NOUN
cjfa-34392	218	15	using	use	VERB
cjfa-34392	218	16	spss	spss	PROPN
cjfa-34392	218	17	.	.	PUNCT
cjfa-34392	218	18	 	 	SPACE
cjfa-34392	219	1	conclusion	conclusion	NOUN
cjfa-34392	219	2	we	we	PRON
cjfa-34392	219	3	conducted	conduct	VERB
cjfa-34392	219	4	the	the	DET
cjfa-34392	219	5	survey	survey	NOUN
cjfa-34392	219	6	to	to	PART
cjfa-34392	219	7	examine	examine	VERB
cjfa-34392	219	8	the	the	DET
cjfa-34392	219	9	factors	factor	NOUN
cjfa-34392	219	10	influencing	influence	VERB
cjfa-34392	219	11	the	the	DET
cjfa-34392	219	12	adoption	adoption	NOUN
cjfa-34392	219	13	of	of	ADP
cjfa-34392	219	14	fintech	fintech	NOUN
cjfa-34392	219	15	in	in	ADP
cjfa-34392	219	16	the	the	DET
cjfa-34392	219	17	financial	financial	ADJ
cjfa-34392	219	18	institutions	institution	NOUN
cjfa-34392	219	19	(	(	PUNCT
cjfa-34392	219	20	banks	bank	NOUN
cjfa-34392	219	21	,	,	PUNCT
cjfa-34392	219	22	nbfi	nbfi	NOUN
cjfa-34392	219	23	,	,	PUNCT
cjfa-34392	219	24	brokerage	brokerage	NOUN
cjfa-34392	219	25	firms	firm	NOUN
cjfa-34392	219	26	)	)	PUNCT
cjfa-34392	219	27	.	.	PUNCT
cjfa-34392	220	1	after	after	ADP
cjfa-34392	220	2	applying	apply	VERB
cjfa-34392	220	3	the	the	DET
cjfa-34392	220	4	suited	suited	ADJ
cjfa-34392	220	5	model	model	NOUN
cjfa-34392	220	6	,	,	PUNCT
cjfa-34392	220	7	we	we	PRON
cjfa-34392	220	8	have	have	AUX
cjfa-34392	220	9	found	find	VERB
cjfa-34392	220	10	the	the	DET
cjfa-34392	220	11	impact	impact	NOUN
cjfa-34392	220	12	of	of	ADP
cjfa-34392	220	13	the	the	DET
cjfa-34392	220	14	selected	select	VERB
cjfa-34392	220	15	factors	factor	NOUN
cjfa-34392	220	16	on	on	ADP
cjfa-34392	220	17	the	the	DET
cjfa-34392	220	18	usage	usage	NOUN
cjfa-34392	220	19	of	of	ADP
cjfa-34392	220	20	fintech	fintech	NOUN
cjfa-34392	220	21	.	.	PUNCT
cjfa-34392	221	1	the	the	DET
cjfa-34392	221	2	study	study	NOUN
cjfa-34392	221	3	concludes	conclude	VERB
cjfa-34392	221	4	that	that	SCONJ
cjfa-34392	221	5	users	user	NOUN
cjfa-34392	221	6	feel	feel	VERB
cjfa-34392	221	7	convenient	convenient	ADJ
cjfa-34392	221	8	and	and	CCONJ
cjfa-34392	221	9	wish	wish	VERB
cjfa-34392	221	10	to	to	PART
cjfa-34392	221	11	be	be	AUX
cjfa-34392	221	12	connected	connect	VERB
cjfa-34392	221	13	with	with	ADP
cjfa-34392	221	14	fintech	fintech	NOUN
cjfa-34392	221	15	if	if	SCONJ
cjfa-34392	221	16	it	it	PRON
cjfa-34392	221	17	is	be	AUX
cjfa-34392	221	18	easily	easily	ADV
cjfa-34392	221	19	understandable	understandable	ADJ
cjfa-34392	221	20	to	to	ADP
cjfa-34392	221	21	them	they	PRON
cjfa-34392	221	22	.	.	PUNCT
cjfa-34392	222	1	the	the	DET
cjfa-34392	222	2	people	people	NOUN
cjfa-34392	222	3	,	,	PUNCT
cjfa-34392	222	4	for	for	ADP
cjfa-34392	222	5	instance	instance	NOUN
cjfa-34392	222	6	,	,	PUNCT
cjfa-34392	222	7	co	co	NOUN
cjfa-34392	222	8	-	-	NOUN
cjfa-34392	222	9	workers	worker	NOUN
cjfa-34392	222	10	,	,	PUNCT
cjfa-34392	222	11	supervisors	supervisor	NOUN
cjfa-34392	222	12	,	,	PUNCT
cjfa-34392	222	13	subordinates	subordinate	NOUN
cjfa-34392	222	14	,	,	PUNCT
cjfa-34392	222	15	or	or	CCONJ
cjfa-34392	222	16	employees	employee	NOUN
cjfa-34392	222	17	of	of	ADP
cjfa-34392	222	18	the	the	DET
cjfa-34392	222	19	same	same	ADJ
cjfa-34392	222	20	industry	industry	NOUN
cjfa-34392	222	21	firms	firm	NOUN
cjfa-34392	222	22	,	,	PUNCT
cjfa-34392	222	23	play	play	VERB
cjfa-34392	222	24	a	a	DET
cjfa-34392	222	25	significant	significant	ADJ
cjfa-34392	222	26	role	role	NOUN
cjfa-34392	222	27	in	in	ADP
cjfa-34392	222	28	influencing	influence	VERB
cjfa-34392	222	29	the	the	DET
cjfa-34392	222	30	behavioral	behavioral	ADJ
cjfa-34392	222	31	intention	intention	NOUN
cjfa-34392	222	32	to	to	PART
cjfa-34392	222	33	adopt	adopt	VERB
cjfa-34392	222	34	fintech	fintech	NOUN
cjfa-34392	222	35	.	.	PUNCT
cjfa-34392	223	1	additionally	additionally	ADV
cjfa-34392	223	2	,	,	PUNCT
cjfa-34392	223	3	the	the	DET
cjfa-34392	223	4	result	result	NOUN
cjfa-34392	223	5	proved	prove	VERB
cjfa-34392	223	6	that	that	SCONJ
cjfa-34392	223	7	during	during	ADP
cjfa-34392	223	8	the	the	DET
cjfa-34392	223	9	time	time	NOUN
cjfa-34392	223	10	they	they	PRON
cjfa-34392	223	11	face	face	VERB
cjfa-34392	223	12	difficulty	difficulty	NOUN
cjfa-34392	223	13	using	use	VERB
cjfa-34392	223	14	fintech	fintech	NOUN
cjfa-34392	223	15	,	,	PUNCT
cjfa-34392	223	16	if	if	SCONJ
cjfa-34392	223	17	employees	employee	NOUN
cjfa-34392	223	18	get	get	VERB
cjfa-34392	223	19	assistance	assistance	NOUN
cjfa-34392	223	20	from	from	ADP
cjfa-34392	223	21	the	the	DET
cjfa-34392	223	22	facilitator	facilitator	NOUN
cjfa-34392	223	23	firms	firm	NOUN
cjfa-34392	223	24	who	who	PRON
cjfa-34392	223	25	mainly	mainly	ADV
cjfa-34392	223	26	provide	provide	VERB
cjfa-34392	223	27	it	it	PRON
cjfa-34392	223	28	support	support	NOUN
cjfa-34392	223	29	,	,	PUNCT
cjfa-34392	223	30	it	it	PRON
cjfa-34392	223	31	will	will	AUX
cjfa-34392	223	32	significantly	significantly	ADV
cjfa-34392	223	33	influence	influence	VERB
cjfa-34392	223	34	behavior	behavior	NOUN
cjfa-34392	223	35	.	.	PUNCT
cjfa-34392	224	1	furthermore	furthermore	ADV
cjfa-34392	224	2	,	,	PUNCT
cjfa-34392	224	3	respondents	respondent	NOUN
cjfa-34392	224	4	believe	believe	VERB
cjfa-34392	224	5	that	that	SCONJ
cjfa-34392	224	6	they	they	PRON
cjfa-34392	224	7	will	will	AUX
cjfa-34392	224	8	perform	perform	VERB
cjfa-34392	224	9	a	a	DET
cjfa-34392	224	10	job	job	NOUN
cjfa-34392	224	11	reliably	reliably	ADV
cjfa-34392	224	12	and	and	CCONJ
cjfa-34392	224	13	accurately	accurately	ADV
cjfa-34392	224	14	with	with	ADP
cjfa-34392	224	15	the	the	DET
cjfa-34392	224	16	help	help	NOUN
cjfa-34392	224	17	of	of	ADP
cjfa-34392	224	18	new	new	ADJ
cjfa-34392	224	19	technology	technology	NOUN
cjfa-34392	224	20	.	.	PUNCT
cjfa-34392	225	1	moreover	moreover	ADV
cjfa-34392	225	2	,	,	PUNCT
cjfa-34392	225	3	the	the	DET
cjfa-34392	225	4	study	study	NOUN
cjfa-34392	225	5	concluded	conclude	VERB
cjfa-34392	225	6	that	that	SCONJ
cjfa-34392	225	7	their	their	PRON
cjfa-34392	225	8	organization	organization	NOUN
cjfa-34392	225	9	’s	’s	PART
cjfa-34392	225	10	infrastructure	infrastructure	NOUN
cjfa-34392	225	11	cost	cost	NOUN
cjfa-34392	225	12	for	for	ADP
cjfa-34392	225	13	using	use	VERB
cjfa-34392	225	14	fintech	fintech	NOUN
cjfa-34392	225	15	encourages	encourage	VERB
cjfa-34392	225	16	the	the	DET
cjfa-34392	225	17	employees	employee	NOUN
cjfa-34392	225	18	to	to	PART
cjfa-34392	225	19	use	use	VERB
cjfa-34392	225	20	fintech	fintech	NOUN
cjfa-34392	225	21	.	.	PUNCT
cjfa-34392	226	1	nervousness	nervousness	NOUN
cjfa-34392	226	2	,	,	PUNCT
cjfa-34392	226	3	on	on	ADP
cjfa-34392	226	4	the	the	DET
cjfa-34392	226	5	other	other	ADJ
cjfa-34392	226	6	hand	hand	NOUN
cjfa-34392	226	7	,	,	PUNCT
cjfa-34392	226	8	negatively	negatively	ADV
cjfa-34392	226	9	influences	influence	VERB
cjfa-34392	226	10	the	the	DET
cjfa-34392	226	11	behavioral	behavioral	ADJ
cjfa-34392	226	12	intention	intention	NOUN
cjfa-34392	226	13	of	of	ADP
cjfa-34392	226	14	fintech	fintech	NOUN
cjfa-34392	226	15	users	user	NOUN
cjfa-34392	226	16	.	.	PUNCT
cjfa-34392	227	1	the	the	DET
cjfa-34392	227	2	study	study	NOUN
cjfa-34392	227	3	revealed	reveal	VERB
cjfa-34392	227	4	another	another	DET
cjfa-34392	227	5	insightful	insightful	ADJ
cjfa-34392	227	6	finding	finding	NOUN
cjfa-34392	227	7	;	;	PUNCT
cjfa-34392	227	8	nervousness	nervousness	NOUN
cjfa-34392	227	9	works	work	VERB
cjfa-34392	227	10	more	more	ADJ
cjfa-34392	227	11	for	for	ADP
cjfa-34392	227	12	the	the	DET
cjfa-34392	227	13	young	young	ADJ
cjfa-34392	227	14	than	than	ADP
cjfa-34392	227	15	the	the	DET
cjfa-34392	227	16	aged	aged	ADJ
cjfa-34392	227	17	users	user	NOUN
cjfa-34392	227	18	.	.	PUNCT
cjfa-34392	228	1	finally	finally	ADV
cjfa-34392	228	2	,	,	PUNCT
cjfa-34392	228	3	factors	factor	NOUN
cjfa-34392	228	4	affecting	affect	VERB
cjfa-34392	228	5	the	the	DET
cjfa-34392	228	6	adoption	adoption	NOUN
cjfa-34392	228	7	of	of	ADP
cjfa-34392	228	8	fintech	fintech	NOUN
cjfa-34392	228	9	…	…	PUNCT
cjfa-34392	228	10	71	71	NUM
cjfa-34392	228	11	we	we	PRON
cjfa-34392	228	12	have	have	AUX
cjfa-34392	228	13	observed	observe	VERB
cjfa-34392	228	14	that	that	SCONJ
cjfa-34392	228	15	behavioral	behavioral	ADJ
cjfa-34392	228	16	intention	intention	NOUN
cjfa-34392	228	17	significantly	significantly	ADV
cjfa-34392	228	18	influences	influence	VERB
cjfa-34392	228	19	the	the	DET
cjfa-34392	228	20	actual	actual	ADJ
cjfa-34392	228	21	usage	usage	NOUN
cjfa-34392	228	22	behavior	behavior	NOUN
cjfa-34392	228	23	of	of	ADP
cjfa-34392	228	24	fintech	fintech	NOUN
cjfa-34392	228	25	.	.	PUNCT
cjfa-34392	229	1	we	we	PRON
cjfa-34392	229	2	hope	hope	VERB
cjfa-34392	229	3	that	that	SCONJ
cjfa-34392	229	4	in	in	ADP
cjfa-34392	229	5	addition	addition	NOUN
cjfa-34392	229	6	to	to	ADP
cjfa-34392	229	7	the	the	DET
cjfa-34392	229	8	theoretical	theoretical	ADJ
cjfa-34392	229	9	contribution	contribution	NOUN
cjfa-34392	229	10	,	,	PUNCT
cjfa-34392	229	11	these	these	DET
cjfa-34392	229	12	findings	finding	NOUN
cjfa-34392	229	13	will	will	AUX
cjfa-34392	229	14	help	help	VERB
cjfa-34392	229	15	the	the	DET
cjfa-34392	229	16	policymakers	policymaker	NOUN
cjfa-34392	229	17	,	,	PUNCT
cjfa-34392	229	18	regulators	regulator	NOUN
cjfa-34392	229	19	,	,	PUNCT
cjfa-34392	229	20	and	and	CCONJ
cjfa-34392	229	21	government	government	NOUN
cjfa-34392	229	22	develop	develop	VERB
cjfa-34392	229	23	practical	practical	ADJ
cjfa-34392	229	24	guidelines	guideline	NOUN
cjfa-34392	229	25	for	for	ADP
cjfa-34392	229	26	the	the	DET
cjfa-34392	229	27	successful	successful	ADJ
cjfa-34392	229	28	implication	implication	NOUN
cjfa-34392	229	29	of	of	ADP
cjfa-34392	229	30	fintech	fintech	NOUN
cjfa-34392	229	31	use	use	NOUN
cjfa-34392	229	32	in	in	ADP
cjfa-34392	229	33	our	our	PRON
cjfa-34392	229	34	country	country	NOUN
cjfa-34392	229	35	.	.	PUNCT
cjfa-34392	230	1	the	the	DET
cjfa-34392	230	2	factors	factor	NOUN
cjfa-34392	230	3	that	that	PRON
cjfa-34392	230	4	we	we	PRON
cjfa-34392	230	5	have	have	AUX
cjfa-34392	230	6	found	find	VERB
cjfa-34392	230	7	significant	significant	ADJ
cjfa-34392	230	8	should	should	AUX
cjfa-34392	230	9	be	be	AUX
cjfa-34392	230	10	given	give	VERB
cjfa-34392	230	11	priority	priority	NOUN
cjfa-34392	230	12	for	for	ADP
cjfa-34392	230	13	increasing	increase	VERB
cjfa-34392	230	14	the	the	DET
cjfa-34392	230	15	usage	usage	NOUN
cjfa-34392	230	16	of	of	ADP
cjfa-34392	230	17	fintech	fintech	NOUN
cjfa-34392	230	18	.	.	PUNCT
cjfa-34392	231	1	furthermore	furthermore	ADV
cjfa-34392	231	2	,	,	PUNCT
cjfa-34392	231	3	the	the	DET
cjfa-34392	231	4	factors	factor	NOUN
cjfa-34392	231	5	that	that	PRON
cjfa-34392	231	6	we	we	PRON
cjfa-34392	231	7	have	have	AUX
cjfa-34392	231	8	discovered	discover	VERB
cjfa-34392	231	9	insignificant	insignificant	ADJ
cjfa-34392	231	10	should	should	AUX
cjfa-34392	231	11	also	also	ADV
cjfa-34392	231	12	be	be	AUX
cjfa-34392	231	13	considered	consider	VERB
cjfa-34392	231	14	to	to	PART
cjfa-34392	231	15	be	be	AUX
cjfa-34392	231	16	the	the	DET
cjfa-34392	231	17	influencing	influence	VERB
cjfa-34392	231	18	factors	factor	NOUN
cjfa-34392	231	19	for	for	ADP
cjfa-34392	231	20	fintech	fintech	NOUN
cjfa-34392	231	21	adoption	adoption	NOUN
cjfa-34392	231	22	in	in	ADP
cjfa-34392	231	23	the	the	DET
cjfa-34392	231	24	near	near	ADJ
cjfa-34392	231	25	future	future	NOUN
cjfa-34392	231	26	.	.	PUNCT
cjfa-34392	232	1	as	as	SCONJ
cjfa-34392	232	2	we	we	PRON
cjfa-34392	232	3	have	have	AUX
cjfa-34392	232	4	found	find	VERB
cjfa-34392	232	5	that	that	SCONJ
cjfa-34392	232	6	young	young	ADJ
cjfa-34392	232	7	users	user	NOUN
cjfa-34392	232	8	face	face	VERB
cjfa-34392	232	9	anxiety	anxiety	NOUN
cjfa-34392	232	10	,	,	PUNCT
cjfa-34392	232	11	they	they	PRON
cjfa-34392	232	12	should	should	AUX
cjfa-34392	232	13	be	be	AUX
cjfa-34392	232	14	given	give	VERB
cjfa-34392	232	15	proper	proper	ADJ
cjfa-34392	232	16	training	training	NOUN
cjfa-34392	232	17	to	to	PART
cjfa-34392	232	18	use	use	VERB
cjfa-34392	232	19	this	this	DET
cjfa-34392	232	20	system	system	NOUN
cjfa-34392	232	21	more	more	ADV
cjfa-34392	232	22	efficiently	efficiently	ADV
cjfa-34392	232	23	.	.	PUNCT
cjfa-34392	233	1	therefore	therefore	ADV
cjfa-34392	233	2	,	,	PUNCT
cjfa-34392	233	3	it	it	PRON
cjfa-34392	233	4	is	be	AUX
cjfa-34392	233	5	essential	essential	ADJ
cjfa-34392	233	6	to	to	PART
cjfa-34392	233	7	focus	focus	VERB
cjfa-34392	233	8	mainly	mainly	ADV
cjfa-34392	233	9	on	on	ADP
cjfa-34392	233	10	the	the	DET
cjfa-34392	233	11	actual	actual	ADJ
cjfa-34392	233	12	usage	usage	NOUN
cjfa-34392	233	13	of	of	ADP
cjfa-34392	233	14	fintech	fintech	NOUN
cjfa-34392	233	15	on	on	ADP
cjfa-34392	233	16	a	a	DET
cjfa-34392	233	17	regular	regular	ADJ
cjfa-34392	233	18	basis	basis	NOUN
cjfa-34392	233	19	.	.	PUNCT
cjfa-34392	234	1	only	only	ADV
cjfa-34392	234	2	then	then	ADV
cjfa-34392	234	3	can	can	AUX
cjfa-34392	234	4	we	we	PRON
cjfa-34392	234	5	prove	prove	VERB
cjfa-34392	234	6	ourselves	ourselves	PRON
cjfa-34392	234	7	to	to	PART
cjfa-34392	234	8	be	be	AUX
cjfa-34392	234	9	more	more	ADV
cjfa-34392	234	10	techno	techno	NOUN
cjfa-34392	234	11	-	-	PUNCT
cjfa-34392	234	12	updated	update	VERB
cjfa-34392	234	13	and	and	CCONJ
cjfa-34392	234	14	compete	compete	VERB
cjfa-34392	234	15	with	with	ADP
cjfa-34392	234	16	the	the	DET
cjfa-34392	234	17	digital	digital	ADJ
cjfa-34392	234	18	world	world	NOUN
cjfa-34392	234	19	.	.	PUNCT
cjfa-34392	235	1	both	both	CCONJ
cjfa-34392	235	2	public	public	ADJ
cjfa-34392	235	3	and	and	CCONJ
cjfa-34392	235	4	private	private	ADJ
cjfa-34392	235	5	sectors	sector	NOUN
cjfa-34392	235	6	should	should	AUX
cjfa-34392	235	7	work	work	VERB
cjfa-34392	235	8	together	together	ADV
cjfa-34392	235	9	to	to	PART
cjfa-34392	235	10	make	make	VERB
cjfa-34392	235	11	it	it	PRON
cjfa-34392	235	12	possible	possible	ADJ
cjfa-34392	235	13	.	.	PUNCT
cjfa-34392	236	1	in	in	ADP
cjfa-34392	236	2	fine	fine	NOUN
cjfa-34392	236	3	,	,	PUNCT
cjfa-34392	236	4	we	we	PRON
cjfa-34392	236	5	expect	expect	VERB
cjfa-34392	236	6	that	that	SCONJ
cjfa-34392	236	7	the	the	DET
cjfa-34392	236	8	findings	finding	NOUN
cjfa-34392	236	9	of	of	ADP
cjfa-34392	236	10	the	the	DET
cjfa-34392	236	11	study	study	NOUN
cjfa-34392	236	12	might	might	AUX
cjfa-34392	236	13	help	help	VERB
cjfa-34392	236	14	the	the	DET
cjfa-34392	236	15	financial	financial	ADJ
cjfa-34392	236	16	industries	industry	NOUN
cjfa-34392	236	17	of	of	ADP
cjfa-34392	236	18	bangladesh	bangladesh	PROPN
cjfa-34392	236	19	to	to	PART
cjfa-34392	236	20	observe	observe	VERB
cjfa-34392	236	21	the	the	DET
cjfa-34392	236	22	subsequent	subsequent	ADJ
cjfa-34392	236	23	impact	impact	NOUN
cjfa-34392	236	24	on	on	ADP
cjfa-34392	236	25	the	the	DET
cjfa-34392	236	26	adoption	adoption	NOUN
cjfa-34392	236	27	of	of	ADP
cjfa-34392	236	28	fintech	fintech	NOUN
cjfa-34392	236	29	.	.	PUNCT
cjfa-34392	237	1	furthermore	furthermore	ADV
cjfa-34392	237	2	,	,	PUNCT
cjfa-34392	237	3	the	the	DET
cjfa-34392	237	4	result	result	NOUN
cjfa-34392	237	5	might	might	AUX
cjfa-34392	237	6	also	also	ADV
cjfa-34392	237	7	benefit	benefit	VERB
cjfa-34392	237	8	other	other	ADJ
cjfa-34392	237	9	sectors	sector	NOUN
cjfa-34392	237	10	of	of	ADP
cjfa-34392	237	11	bangladesh	bangladesh	NOUN
cjfa-34392	237	12	to	to	PART
cjfa-34392	237	13	learn	learn	VERB
cjfa-34392	237	14	a	a	DET
cjfa-34392	237	15	lesson	lesson	NOUN
cjfa-34392	237	16	and	and	CCONJ
cjfa-34392	237	17	apply	apply	VERB
cjfa-34392	237	18	fintech	fintech	NOUN
cjfa-34392	237	19	practically	practically	ADV
cjfa-34392	237	20	.	.	PUNCT
cjfa-34392	238	1	quantitative	quantitative	ADJ
cjfa-34392	238	2	analysis	analysis	NOUN
cjfa-34392	238	3	can	can	AUX
cjfa-34392	238	4	be	be	AUX
cjfa-34392	238	5	done	do	VERB
cjfa-34392	238	6	if	if	SCONJ
cjfa-34392	238	7	the	the	DET
cjfa-34392	238	8	actual	actual	ADJ
cjfa-34392	238	9	usage	usage	NOUN
cjfa-34392	238	10	of	of	ADP
cjfa-34392	238	11	fintech	fintech	NOUN
cjfa-34392	238	12	by	by	ADP
cjfa-34392	238	13	the	the	DET
cjfa-34392	238	14	users	user	NOUN
cjfa-34392	238	15	is	be	AUX
cjfa-34392	238	16	adequately	adequately	ADV
cjfa-34392	238	17	recorded	record	VERB
cjfa-34392	238	18	.	.	PUNCT
cjfa-34392	239	1	we	we	PRON
cjfa-34392	239	2	are	be	AUX
cjfa-34392	239	3	optimistic	optimistic	ADJ
cjfa-34392	239	4	that	that	SCONJ
cjfa-34392	239	5	the	the	DET
cjfa-34392	239	6	study	study	NOUN
cjfa-34392	239	7	can	can	AUX
cjfa-34392	239	8	be	be	AUX
cjfa-34392	239	9	a	a	DET
cjfa-34392	239	10	milestone	milestone	NOUN
cjfa-34392	239	11	in	in	ADP
cjfa-34392	239	12	examining	examine	VERB
cjfa-34392	239	13	the	the	DET
cjfa-34392	239	14	factors	factor	NOUN
cjfa-34392	239	15	affecting	affect	VERB
cjfa-34392	239	16	fintech	fintech	NOUN
cjfa-34392	239	17	adoption	adoption	NOUN
cjfa-34392	239	18	in	in	ADP
cjfa-34392	239	19	other	other	ADJ
cjfa-34392	239	20	developing	develop	VERB
cjfa-34392	239	21	countries	country	NOUN
cjfa-34392	239	22	like	like	ADP
cjfa-34392	239	23	bangladesh	bangladesh	PROPN
cjfa-34392	239	24	.	.	PUNCT
cjfa-34392	240	1	therefore	therefore	ADV
cjfa-34392	240	2	,	,	PUNCT
cjfa-34392	240	3	there	there	PRON
cjfa-34392	240	4	exists	exist	VERB
cjfa-34392	240	5	a	a	DET
cjfa-34392	240	6	large	large	ADJ
cjfa-34392	240	7	field	field	NOUN
cjfa-34392	240	8	of	of	ADP
cjfa-34392	240	9	future	future	ADJ
cjfa-34392	240	10	research	research	NOUN
cjfa-34392	240	11	.	.	PUNCT
cjfa-34392	241	1	limitations	limitation	NOUN
cjfa-34392	241	2	even	even	ADV
cjfa-34392	241	3	though	though	SCONJ
cjfa-34392	241	4	we	we	PRON
cjfa-34392	241	5	have	have	AUX
cjfa-34392	241	6	completed	complete	VERB
cjfa-34392	241	7	our	our	PRON
cjfa-34392	241	8	study	study	NOUN
cjfa-34392	241	9	successfully	successfully	ADV
cjfa-34392	241	10	,	,	PUNCT
cjfa-34392	241	11	but	but	CCONJ
cjfa-34392	241	12	we	we	PRON
cjfa-34392	241	13	had	have	VERB
cjfa-34392	241	14	some	some	DET
cjfa-34392	241	15	limitations	limitation	NOUN
cjfa-34392	241	16	.	.	PUNCT
cjfa-34392	242	1	the	the	DET
cjfa-34392	242	2	original	original	ADJ
cjfa-34392	242	3	utaut	utaut	PROPN
cjfa-34392	242	4	model	model	NOUN
cjfa-34392	242	5	was	be	AUX
cjfa-34392	242	6	on	on	ADP
cjfa-34392	242	7	a	a	DET
cjfa-34392	242	8	longitudinal	longitudinal	ADJ
cjfa-34392	242	9	study	study	NOUN
cjfa-34392	242	10	,	,	PUNCT
cjfa-34392	242	11	but	but	CCONJ
cjfa-34392	242	12	we	we	PRON
cjfa-34392	242	13	measured	measure	VERB
cjfa-34392	242	14	the	the	DET
cjfa-34392	242	15	respondents	respondent	NOUN
cjfa-34392	242	16	’	’	PART
cjfa-34392	242	17	intentions	intention	NOUN
cjfa-34392	242	18	and	and	CCONJ
cjfa-34392	242	19	usage	usage	NOUN
cjfa-34392	242	20	of	of	ADP
cjfa-34392	242	21	fintech	fintech	NOUN
cjfa-34392	242	22	for	for	ADP
cjfa-34392	242	23	a	a	DET
cjfa-34392	242	24	single	single	ADJ
cjfa-34392	242	25	point	point	NOUN
cjfa-34392	242	26	of	of	ADP
cjfa-34392	242	27	time	time	NOUN
cjfa-34392	242	28	.	.	PUNCT
cjfa-34392	243	1	in	in	ADP
cjfa-34392	243	2	the	the	DET
cjfa-34392	243	3	future	future	NOUN
cjfa-34392	243	4	,	,	PUNCT
cjfa-34392	243	5	we	we	PRON
cjfa-34392	243	6	should	should	AUX
cjfa-34392	243	7	conduct	conduct	VERB
cjfa-34392	243	8	longitudinal	longitudinal	ADJ
cjfa-34392	243	9	studies	study	NOUN
cjfa-34392	243	10	on	on	ADP
cjfa-34392	243	11	fintech	fintech	NOUN
cjfa-34392	243	12	adoption	adoption	NOUN
cjfa-34392	243	13	so	so	SCONJ
cjfa-34392	243	14	that	that	SCONJ
cjfa-34392	243	15	we	we	PRON
cjfa-34392	243	16	can	can	AUX
cjfa-34392	243	17	compare	compare	VERB
cjfa-34392	243	18	the	the	DET
cjfa-34392	243	19	findings	finding	NOUN
cjfa-34392	243	20	with	with	ADP
cjfa-34392	243	21	previous	previous	ADJ
cjfa-34392	243	22	studies	study	NOUN
cjfa-34392	243	23	.	.	PUNCT
cjfa-34392	244	1	nasima	nasima	PROPN
cjfa-34392	244	2	khatun	khatun	PROPN
cjfa-34392	244	3	,	,	PUNCT
cjfa-34392	244	4	marzia	marzia	PROPN
cjfa-34392	244	5	tamanna72	tamanna72	NOUN
cjfa-34392	244	6	 	 	SPACE
cjfa-34392	244	7	references	reference	NOUN
cjfa-34392	244	8	brandl	brandl	PROPN
cjfa-34392	244	9	,	,	PUNCT
cjfa-34392	244	10	b.	b.	PROPN
cjfa-34392	244	11	,	,	PUNCT
cjfa-34392	244	12	&	&	CCONJ
cjfa-34392	244	13	hornuf	hornuf	PROPN
cjfa-34392	244	14	,	,	PUNCT
cjfa-34392	244	15	l.	l.	PROPN
cjfa-34392	244	16	(	(	PUNCT
cjfa-34392	244	17	2017	2017	NUM
cjfa-34392	244	18	)	)	PUNCT
cjfa-34392	244	19	.	.	PUNCT
cjfa-34392	245	1	where	where	SCONJ
cjfa-34392	245	2	did	do	AUX
cjfa-34392	245	3	fintechs	fintech	NOUN
cjfa-34392	245	4	come	come	VERB
cjfa-34392	245	5	from	from	ADP
cjfa-34392	245	6	,	,	PUNCT
cjfa-34392	245	7	and	and	CCONJ
cjfa-34392	245	8	where	where	SCONJ
cjfa-34392	245	9	do	do	AUX
cjfa-34392	245	10	they	they	PRON
cjfa-34392	245	11	go	go	VERB
cjfa-34392	245	12	?	?	PUNCT
cjfa-34392	246	1	the	the	DET
cjfa-34392	246	2	transformation	transformation	NOUN
cjfa-34392	246	3	of	of	ADP
cjfa-34392	246	4	the	the	DET
cjfa-34392	246	5	financial	financial	ADJ
cjfa-34392	246	6	industry	industry	NOUN
cjfa-34392	246	7	in	in	ADP
cjfa-34392	246	8	germany	germany	PROPN
cjfa-34392	246	9	after	after	ADP
cjfa-34392	246	10	digitalization	digitalization	NOUN
cjfa-34392	246	11	.	.	PUNCT
cjfa-34392	247	1	ssrn	ssrn	PROPN
cjfa-34392	247	2	papers	paper	NOUN
cjfa-34392	247	3	,	,	PUNCT
cjfa-34392	247	4	25	25	NUM
cjfa-34392	247	5	.	.	PUNCT
cjfa-34392	248	1	https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3036555	https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3036555	NOUN
cjfa-34392	248	2	.	.	PUNCT
cjfa-34392	249	1	btrc	btrc	PROPN
cjfa-34392	249	2	(	(	PUNCT
cjfa-34392	249	3	2020	2020	NUM
cjfa-34392	249	4	)	)	PUNCT
cjfa-34392	249	5	.	.	PUNCT
cjfa-34392	250	1	bangladesh	bangladesh	PROPN
cjfa-34392	250	2	telephone	telephone	NOUN
cjfa-34392	250	3	regulatory	regulatory	ADJ
cjfa-34392	250	4	commission	commission	PROPN
cjfa-34392	250	5	.	.	PUNCT
cjfa-34392	251	1	bangladesh	bangladesh	PROPN
cjfa-34392	251	2	:	:	PUNCT
cjfa-34392	251	3	ministry	ministry	PROPN
cjfa-34392	251	4	of	of	ADP
cjfa-34392	251	5	telecommunication	telecommunication	PROPN
cjfa-34392	251	6	,	,	PUNCT
cjfa-34392	251	7	dhaka	dhaka	PROPN
cjfa-34392	251	8	.	.	PUNCT
cjfa-34392	252	1	chakraborti	chakraborti	PROPN
cjfa-34392	252	2	,	,	PUNCT
cjfa-34392	252	3	a.	a.	NOUN
cjfa-34392	252	4	(	(	PUNCT
cjfa-34392	252	5	2019	2019	NUM
cjfa-34392	252	6	)	)	PUNCT
cjfa-34392	252	7	.	.	PUNCT
cjfa-34392	253	1	the	the	DET
cjfa-34392	253	2	promise	promise	NOUN
cjfa-34392	253	3	of	of	ADP
cjfa-34392	253	4	fintech	fintech	NOUN
cjfa-34392	253	5	for	for	ADP
cjfa-34392	253	6	bangladesh	bangladesh	NOUN
cjfa-34392	253	7	.	.	PUNCT
cjfa-34392	254	1	dhaka	dhaka	PROPN
cjfa-34392	254	2	,	,	PUNCT
cjfa-34392	254	3	bangladesh	bangladesh	PROPN
cjfa-34392	254	4	:	:	PUNCT
cjfa-34392	254	5	the	the	DET
cjfa-34392	254	6	daily	daily	PROPN
cjfa-34392	254	7	star	star	NOUN
cjfa-34392	254	8	,	,	PUNCT
cjfa-34392	254	9	https://www.thedailystar.net/business/the-promise-fintech-bangladesh-1602703	https://www.thedailystar.net/business/the-promise-fintech-bangladesh-1602703	PROPN
cjfa-34392	254	10	.	.	PUNCT
cjfa-34392	255	1	chen	chen	PROPN
cjfa-34392	255	2	,	,	PUNCT
cjfa-34392	255	3	l.	l.	PROPN
cjfa-34392	255	4	(	(	PUNCT
cjfa-34392	255	5	2016	2016	NUM
cjfa-34392	255	6	)	)	PUNCT
cjfa-34392	255	7	.	.	PUNCT
cjfa-34392	256	1	from	from	ADP
cjfa-34392	256	2	fintech	fintech	NOUN
cjfa-34392	256	3	to	to	ADP
cjfa-34392	256	4	finlife	finlife	NOUN
cjfa-34392	256	5	:	:	PUNCT
cjfa-34392	256	6	the	the	DET
cjfa-34392	256	7	case	case	NOUN
cjfa-34392	256	8	of	of	ADP
cjfa-34392	256	9	fintech	fintech	NOUN
cjfa-34392	256	10	development	development	NOUN
cjfa-34392	256	11	in	in	ADP
cjfa-34392	256	12	china	china	PROPN
cjfa-34392	256	13	.	.	PUNCT
cjfa-34392	257	1	china	china	PROPN
cjfa-34392	257	2	economic	economic	PROPN
cjfa-34392	257	3	journal	journal	PROPN
cjfa-34392	257	4	,	,	PUNCT
cjfa-34392	257	5	9(3	9(3	NUM
cjfa-34392	257	6	)	)	PUNCT
cjfa-34392	257	7	,	,	PUNCT
cjfa-34392	257	8	225	225	NUM
cjfa-34392	257	9	-	-	SYM
cjfa-34392	257	10	239	239	NUM
cjfa-34392	257	11	.	.	PUNCT
cjfa-34392	258	1	http://dx.doi.org/10.1080/17538963.2016.121	http://dx.doi.org/10.1080/17538963.2016.121	PROPN
cjfa-34392	258	2	5057	5057	NUM
cjfa-34392	258	3	.	.	PUNCT
cjfa-34392	259	1	compeau	compeau	PROPN
cjfa-34392	259	2	,	,	PUNCT
cjfa-34392	259	3	d.	d.	PROPN
cjfa-34392	259	4	,	,	PUNCT
cjfa-34392	259	5	higgins	higgins	PROPN
cjfa-34392	259	6	,	,	PUNCT
cjfa-34392	259	7	c.a	c.a	PROPN
cjfa-34392	259	8	.	.	PROPN
cjfa-34392	259	9	,	,	PUNCT
cjfa-34392	259	10	&	&	CCONJ
cjfa-34392	259	11	huff	huff	PROPN
cjfa-34392	259	12	,	,	PUNCT
cjfa-34392	259	13	s.	s.	PROPN
cjfa-34392	259	14	(	(	PUNCT
cjfa-34392	259	15	1999	1999	NUM
cjfa-34392	259	16	)	)	PUNCT
cjfa-34392	259	17	.	.	PUNCT
cjfa-34392	260	1	social	social	ADJ
cjfa-34392	260	2	cognitive	cognitive	ADJ
cjfa-34392	260	3	theory	theory	NOUN
cjfa-34392	260	4	and	and	CCONJ
cjfa-34392	260	5	individual	individual	ADJ
cjfa-34392	260	6	reactions	reaction	NOUN
cjfa-34392	260	7	to	to	ADP
cjfa-34392	260	8	computing	compute	VERB
cjfa-34392	260	9	technology	technology	NOUN
cjfa-34392	260	10	:	:	PUNCT
cjfa-34392	260	11	a	a	DET
cjfa-34392	260	12	lonnitudedinal	lonnitudedinal	ADJ
cjfa-34392	260	13	study	study	NOUN
cjfa-34392	260	14	.	.	PUNCT
cjfa-34392	261	1	mis	mis	PROPN
cjfa-34392	261	2	quartely	quartely	ADV
cjfa-34392	261	3	,	,	PUNCT
cjfa-34392	261	4	23(2	23(2	NOUN
cjfa-34392	261	5	)	)	PUNCT
cjfa-34392	261	6	,	,	PUNCT
cjfa-34392	261	7	145158	145158	NUM
cjfa-34392	261	8	.	.	PUNCT
cjfa-34392	262	1	http://dx.doi.org/10.2307/249749	http://dx.doi.org/10.2307/249749	PROPN
cjfa-34392	262	2	.	.	PUNCT
cjfa-34392	263	1	compeau	compeau	PROPN
cjfa-34392	263	2	,	,	PUNCT
cjfa-34392	263	3	d.r	d.r	PROPN
cjfa-34392	263	4	.	.	PROPN
cjfa-34392	263	5	,	,	PUNCT
cjfa-34392	263	6	&	&	CCONJ
cjfa-34392	263	7	higgins	higgins	PROPN
cjfa-34392	263	8	,	,	PUNCT
cjfa-34392	263	9	c.a	c.a	PROPN
cjfa-34392	263	10	.	.	PROPN
cjfa-34392	263	11	(	(	PUNCT
cjfa-34392	263	12	1995	1995	NUM
cjfa-34392	263	13	)	)	PUNCT
cjfa-34392	263	14	.	.	PUNCT
cjfa-34392	264	1	computer	computer	NOUN
cjfa-34392	264	2	self	self	NOUN
cjfa-34392	264	3	-	-	PUNCT
cjfa-34392	264	4	efficacy	efficacy	NOUN
cjfa-34392	264	5	:	:	PUNCT
cjfa-34392	264	6	development	development	NOUN
cjfa-34392	264	7	of	of	ADP
cjfa-34392	264	8	a	a	DET
cjfa-34392	264	9	measure	measure	NOUN
cjfa-34392	264	10	and	and	CCONJ
cjfa-34392	264	11	initial	initial	ADJ
cjfa-34392	264	12	test	test	NOUN
cjfa-34392	264	13	.	.	PUNCT
cjfa-34392	265	1	mis	mis	PROPN
cjfa-34392	265	2	quarterly	quarterly	PROPN
cjfa-34392	265	3	,	,	PUNCT
cjfa-34392	265	4	19(2	19(2	NUM
cjfa-34392	265	5	)	)	PUNCT
cjfa-34392	265	6	,	,	PUNCT
cjfa-34392	265	7	189	189	NUM
cjfa-34392	265	8	-	-	SYM
cjfa-34392	265	9	211	211	NUM
cjfa-34392	265	10	.	.	PUNCT
cjfa-34392	266	1	http://dx.doi.org/10.2307/249688	http://dx.doi.org/10.2307/249688	PROPN
cjfa-34392	266	2	.	.	PUNCT
cjfa-34392	267	1	ganguli	ganguli	PROPN
cjfa-34392	267	2	,	,	PUNCT
cjfa-34392	267	3	s.	s.	PROPN
cjfa-34392	267	4	,	,	PUNCT
cjfa-34392	267	5	&	&	CCONJ
cjfa-34392	267	6	roy	roy	PROPN
cjfa-34392	267	7	,	,	PUNCT
cjfa-34392	267	8	s.k	s.k	PROPN
cjfa-34392	267	9	.	.	PROPN
cjfa-34392	267	10	(	(	PUNCT
cjfa-34392	267	11	2011	2011	NUM
cjfa-34392	267	12	)	)	PUNCT
cjfa-34392	267	13	.	.	PUNCT
cjfa-34392	268	1	generic	generic	ADJ
cjfa-34392	268	2	technology	technology	NOUN
cjfa-34392	268	3	-	-	PUNCT
cjfa-34392	268	4	based	base	VERB
cjfa-34392	268	5	service	service	NOUN
cjfa-34392	268	6	quality	quality	NOUN
cjfa-34392	268	7	dimensions	dimension	NOUN
cjfa-34392	268	8	in	in	ADP
cjfa-34392	268	9	banking	banking	NOUN
cjfa-34392	268	10	:	:	PUNCT
cjfa-34392	268	11	impact	impact	NOUN
cjfa-34392	268	12	on	on	ADP
cjfa-34392	268	13	customer	customer	NOUN
cjfa-34392	268	14	satisfaction	satisfaction	NOUN
cjfa-34392	268	15	and	and	CCONJ
cjfa-34392	268	16	loyalty	loyalty	NOUN
cjfa-34392	268	17	.	.	PUNCT
cjfa-34392	269	1	international	international	ADJ
cjfa-34392	269	2	journal	journal	PROPN
cjfa-34392	269	3	of	of	ADP
cjfa-34392	269	4	bank	bank	PROPN
cjfa-34392	269	5	marketing	marketing	NOUN
cjfa-34392	269	6	,	,	PUNCT
cjfa-34392	269	7	29	29	NUM
cjfa-34392	269	8	,	,	PUNCT
cjfa-34392	269	9	168	168	NUM
cjfa-34392	269	10	-	-	SYM
cjfa-34392	269	11	189	189	NUM
cjfa-34392	269	12	.	.	PUNCT
cjfa-34392	270	1	guild	guild	NOUN
cjfa-34392	270	2	,	,	PUNCT
cjfa-34392	270	3	j.	j.	PROPN
cjfa-34392	270	4	(	(	PUNCT
cjfa-34392	270	5	2017	2017	NUM
cjfa-34392	270	6	)	)	PUNCT
cjfa-34392	270	7	.	.	PUNCT
cjfa-34392	271	1	fintech	fintech	NOUN
cjfa-34392	271	2	and	and	CCONJ
cjfa-34392	271	3	the	the	DET
cjfa-34392	271	4	future	future	NOUN
cjfa-34392	271	5	of	of	ADP
cjfa-34392	271	6	finance	finance	NOUN
cjfa-34392	271	7	.	.	PUNCT
cjfa-34392	272	1	asian	asian	ADJ
cjfa-34392	272	2	journal	journal	PROPN
cjfa-34392	272	3	of	of	ADP
cjfa-34392	272	4	public	public	ADJ
cjfa-34392	272	5	affairs	affair	NOUN
cjfa-34392	272	6	,	,	PUNCT
cjfa-34392	272	7	17	17	NUM
cjfa-34392	272	8	-	-	SYM
cjfa-34392	272	9	20	20	NUM
cjfa-34392	272	10	.	.	PUNCT
cjfa-34392	273	1	gunawardhana	gunawardhana	PROPN
cjfa-34392	273	2	,	,	PUNCT
cjfa-34392	273	3	n.	n.	NOUN
cjfa-34392	273	4	,	,	PUNCT
cjfa-34392	273	5	&	&	CCONJ
cjfa-34392	273	6	perera	perera	PROPN
cjfa-34392	273	7	,	,	PUNCT
cjfa-34392	273	8	c.	c.	PROPN
cjfa-34392	273	9	(	(	PUNCT
cjfa-34392	273	10	2015	2015	NUM
cjfa-34392	273	11	)	)	PUNCT
cjfa-34392	273	12	.	.	PUNCT
cjfa-34392	274	1	classification	classification	NOUN
cjfa-34392	274	2	of	of	ADP
cjfa-34392	274	3	failure	failure	NOUN
cjfa-34392	274	4	factors	factor	NOUN
cjfa-34392	274	5	in	in	ADP
cjfa-34392	274	6	information	information	NOUN
cjfa-34392	274	7	systems	system	NOUN
cjfa-34392	274	8	.	.	PUNCT
cjfa-34392	275	1	international	international	ADJ
cjfa-34392	275	2	journal	journal	PROPN
cjfa-34392	275	3	for	for	ADP
cjfa-34392	275	4	innovation	innovation	NOUN
cjfa-34392	275	5	education	education	NOUN
cjfa-34392	275	6	and	and	CCONJ
cjfa-34392	275	7	research	research	NOUN
cjfa-34392	275	8	,	,	PUNCT
cjfa-34392	275	9	3(3	3(3	NUM
cjfa-34392	275	10	)	)	PUNCT
cjfa-34392	275	11	,	,	PUNCT
cjfa-34392	275	12	201	201	NUM
cjfa-34392	275	13	-	-	SYM
cjfa-34392	275	14	211	211	NUM
cjfa-34392	275	15	.	.	PUNCT
cjfa-34392	276	1	https://dx.doi.org/10.31686/ijier.vol3.iss3.339	https://dx.doi.org/10.31686/ijier.vol3.iss3.339	PROPN
cjfa-34392	276	2	.	.	PUNCT
cjfa-34392	277	1	hornuf	hornuf	PROPN
cjfa-34392	277	2	,	,	PUNCT
cjfa-34392	277	3	c.h	c.h	PROPN
cjfa-34392	277	4	.	.	PROPN
cjfa-34392	277	5	(	(	PUNCT
cjfa-34392	277	6	2018	2018	NUM
cjfa-34392	277	7	)	)	PUNCT
cjfa-34392	277	8	.	.	PUNCT
cjfa-34392	278	1	the	the	DET
cjfa-34392	278	2	emergence	emergence	NOUN
cjfa-34392	278	3	of	of	ADP
cjfa-34392	278	4	the	the	DET
cjfa-34392	278	5	global	global	ADJ
cjfa-34392	278	6	fintech	fintech	NOUN
cjfa-34392	278	7	market	market	NOUN
cjfa-34392	278	8	:	:	PUNCT
cjfa-34392	278	9	economic	economic	ADJ
cjfa-34392	278	10	.	.	PUNCT
cjfa-34392	279	1	small	small	ADJ
cjfa-34392	279	2	business	business	NOUN
cjfa-34392	279	3	economics	economic	NOUN
cjfa-34392	279	4	,	,	PUNCT
cjfa-34392	279	5	53	53	NUM
cjfa-34392	279	6	,	,	PUNCT
cjfa-34392	279	7	81	81	NUM
cjfa-34392	279	8	-	-	SYM
cjfa-34392	279	9	105	105	NUM
cjfa-34392	279	10	.	.	PUNCT
cjfa-34392	280	1	http://dx.doi.org/10.2139/ssrn.2830124	http://dx.doi.org/10.2139/ssrn.2830124	PROPN
cjfa-34392	280	2	.	.	PUNCT
cjfa-34392	281	1	hossain	hossain	PROPN
cjfa-34392	281	2	,	,	PUNCT
cjfa-34392	281	3	r.	r.	PROPN
cjfa-34392	281	4	(	(	PUNCT
cjfa-34392	281	5	2020	2020	NUM
cjfa-34392	281	6	)	)	PUNCT
cjfa-34392	281	7	.	.	PUNCT
cjfa-34392	282	1	the	the	DET
cjfa-34392	282	2	financial	financial	ADJ
cjfa-34392	282	3	express	express	NOUN
cjfa-34392	282	4	,	,	PUNCT
cjfa-34392	282	5	https://thefinancialexpress.com.bd/views/	https://thefinancialexpress.com.bd/views/	PROPN
cjfa-34392	282	6	fintech	fintech	NOUN
cjfa-34392	282	7	-	-	PUNCT
cjfa-34392	282	8	in	in	ADP
cjfa-34392	282	9	-	-	PUNCT
cjfa-34392	282	10	the	the	DET
cjfa-34392	282	11	-	-	PUNCT
cjfa-34392	282	12	context	context	NOUN
cjfa-34392	282	13	-	-	PUNCT
cjfa-34392	282	14	of	of	ADP
cjfa-34392	282	15	-	-	PUNCT
cjfa-34392	282	16	bangladesh-1587308873	bangladesh-1587308873	NOUN
cjfa-34392	282	17	.	.	PUNCT
cjfa-34392	283	1	koffi	koffi	PROPN
cjfa-34392	283	2	,	,	PUNCT
cjfa-34392	283	3	h.w	h.w	PROPN
cjfa-34392	283	4	.	.	PUNCT
cjfa-34392	283	5	(	(	PUNCT
cjfa-34392	283	6	2016	2016	NUM
cjfa-34392	283	7	)	)	PUNCT
cjfa-34392	283	8	.	.	PUNCT
cjfa-34392	284	1	the	the	DET
cjfa-34392	284	2	fintech	fintech	NOUN
cjfa-34392	284	3	revolution	revolution	NOUN
cjfa-34392	284	4	:	:	PUNCT
cjfa-34392	284	5	an	an	DET
cjfa-34392	284	6	opportunity	opportunity	NOUN
cjfa-34392	284	7	for	for	ADP
cjfa-34392	284	8	the	the	DET
cjfa-34392	284	9	west	west	ADJ
cjfa-34392	284	10	african	african	ADJ
cjfa-34392	284	11	financial	financial	ADJ
cjfa-34392	284	12	sector	sector	NOUN
cjfa-34392	284	13	.	.	PUNCT
cjfa-34392	285	1	open	open	ADJ
cjfa-34392	285	2	journal	journal	PROPN
cjfa-34392	285	3	of	of	ADP
cjfa-34392	285	4	applied	apply	VERB
cjfa-34392	285	5	sciences	science	NOUN
cjfa-34392	285	6	,	,	PUNCT
cjfa-34392	285	7	6(11	6(11	NUM
cjfa-34392	285	8	)	)	PUNCT
cjfa-34392	285	9	,	,	PUNCT
cjfa-34392	285	10	771	771	NUM
cjfa-34392	285	11	-	-	SYM
cjfa-34392	285	12	782	782	NUM
cjfa-34392	285	13	.	.	PUNCT
cjfa-34392	286	1	http://dx.doi	http://dx.doi	NOUN
cjfa-34392	286	2	.	.	PUNCT
cjfa-34392	287	1	org/10.4236	org/10.4236	PROPN
cjfa-34392	287	2	/	/	SYM
cjfa-34392	287	3	ojapps.2016.611068	ojapps.2016.611068	PROPN
cjfa-34392	287	4	.	.	PUNCT
cjfa-34392	287	5	lee	lee	PROPN
cjfa-34392	287	6	,	,	PUNCT
cjfa-34392	287	7	e	e	PROPN
cjfa-34392	287	8	-	-	PROPN
cjfa-34392	287	9	j.	j.	PROPN
cjfa-34392	287	10	,	,	PUNCT
cjfa-34392	287	11	lee	lee	PROPN
cjfa-34392	287	12	,	,	PUNCT
cjfa-34392	287	13	j.	j.	PROPN
cjfa-34392	287	14	,	,	PUNCT
cjfa-34392	287	15	&	&	CCONJ
cjfa-34392	287	16	eastwood	eastwood	PROPN
cjfa-34392	287	17	,	,	PUNCT
cjfa-34392	287	18	d.	d.	PROPN
cjfa-34392	287	19	(	(	PUNCT
cjfa-34392	287	20	2003	2003	NUM
cjfa-34392	287	21	)	)	PUNCT
cjfa-34392	287	22	.	.	PUNCT
cjfa-34392	288	1	a	a	DET
cjfa-34392	288	2	two	two	NUM
cjfa-34392	288	3	-	-	PUNCT
cjfa-34392	288	4	step	step	NOUN
cjfa-34392	288	5	estimation	estimation	NOUN
cjfa-34392	288	6	of	of	ADP
cjfa-34392	288	7	consumer	consumer	NOUN
cjfa-34392	288	8	adoption	adoption	NOUN
cjfa-34392	288	9	of	of	ADP
cjfa-34392	288	10	technology	technology	NOUN
cjfa-34392	288	11	-	-	PUNCT
cjfa-34392	288	12	based	base	VERB
cjfa-34392	288	13	service	service	NOUN
cjfa-34392	288	14	innovations	innovation	NOUN
cjfa-34392	288	15	.	.	PUNCT
cjfa-34392	289	1	the	the	DET
cjfa-34392	289	2	journal	journal	NOUN
cjfa-34392	289	3	of	of	ADP
cjfa-34392	289	4	consumer	consumer	NOUN
cjfa-34392	289	5	affairs	affair	NOUN
cjfa-34392	289	6	,	,	PUNCT
cjfa-34392	289	7	2(37	2(37	NUM
cjfa-34392	289	8	)	)	PUNCT
cjfa-34392	289	9	,	,	PUNCT
cjfa-34392	289	10	256282	256282	NUM
cjfa-34392	289	11	.	.	PUNCT
cjfa-34392	290	1	http://dx.doi.org/10.1111/j.1745-6606.2003.tb00453.x	http://dx.doi.org/10.1111/j.1745-6606.2003.tb00453.x	PROPN
cjfa-34392	290	2	.	.	PUNCT
cjfa-34392	291	1	lee	lee	PROPN
cjfa-34392	291	2	,	,	PUNCT
cjfa-34392	291	3	t.	t.	PROPN
cjfa-34392	291	4	,	,	PUNCT
cjfa-34392	291	5	&	&	CCONJ
cjfa-34392	291	6	kim	kim	PROPN
cjfa-34392	291	7	,	,	PUNCT
cjfa-34392	291	8	h.-w	h.-w	PROPN
cjfa-34392	291	9	.	.	PUNCT
cjfa-34392	292	1	(	(	PUNCT
cjfa-34392	292	2	2015	2015	NUM
cjfa-34392	292	3	)	)	PUNCT
cjfa-34392	292	4	.	.	PUNCT
cjfa-34392	293	1	an	an	DET
cjfa-34392	293	2	exploratory	exploratory	ADJ
cjfa-34392	293	3	study	study	NOUN
cjfa-34392	293	4	on	on	ADP
cjfa-34392	293	5	fintech	fintech	NOUN
cjfa-34392	293	6	industry	industry	NOUN
cjfa-34392	293	7	in	in	ADP
cjfa-34392	293	8	korea	korea	PROPN
cjfa-34392	293	9	:	:	PUNCT
cjfa-34392	293	10	crowdfunding	crowdfunde	VERB
cjfa-34392	293	11	case	case	NOUN
cjfa-34392	293	12	.	.	PUNCT
cjfa-34392	294	1	2nd	2nd	ADJ
cjfa-34392	294	2	international	international	ADJ
cjfa-34392	294	3	conference	conference	NOUN
cjfa-34392	294	4	on	on	ADP
cjfa-34392	294	5	innovative	innovative	ADJ
cjfa-34392	294	6	engineering	engineering	NOUN
cjfa-34392	294	7	technologies	technology	NOUN
cjfa-34392	294	8	,	,	PUNCT
cjfa-34392	294	9	58	58	NUM
cjfa-34392	294	10	-	-	SYM
cjfa-34392	294	11	64	64	NUM
cjfa-34392	294	12	.	.	PUNCT
cjfa-34392	295	1	http://dx.doi.org/10.15242/iie.e0815045	http://dx.doi.org/10.15242/iie.e0815045	NOUN
cjfa-34392	295	2	.	.	PUNCT
cjfa-34392	296	1	micu	micu	PROPN
cjfa-34392	296	2	,	,	PUNCT
cjfa-34392	296	3	i.	i.	PROPN
cjfa-34392	296	4	,	,	PUNCT
cjfa-34392	296	5	&	&	CCONJ
cjfa-34392	296	6	micu	micu	PROPN
cjfa-34392	296	7	,	,	PUNCT
cjfa-34392	296	8	a.	a.	NOUN
cjfa-34392	296	9	(	(	PUNCT
cjfa-34392	296	10	2016	2016	NUM
cjfa-34392	296	11	)	)	PUNCT
cjfa-34392	296	12	.	.	PUNCT
cjfa-34392	297	1	financial	financial	ADJ
cjfa-34392	297	2	technology	technology	NOUN
cjfa-34392	297	3	(	(	PUNCT
cjfa-34392	297	4	fintech	fintech	NOUN
cjfa-34392	297	5	)	)	PUNCT
cjfa-34392	297	6	and	and	CCONJ
cjfa-34392	297	7	its	its	PRON
cjfa-34392	297	8	implementation	implementation	NOUN
cjfa-34392	297	9	on	on	ADP
cjfa-34392	297	10	the	the	DET
cjfa-34392	297	11	romanian	romanian	ADJ
cjfa-34392	297	12	non	non	ADJ
cjfa-34392	297	13	-	-	ADJ
cjfa-34392	297	14	banking	banking	ADJ
cjfa-34392	297	15	capital	capital	NOUN
cjfa-34392	297	16	market	market	NOUN
cjfa-34392	297	17	.	.	PUNCT
cjfa-34392	298	1	sea	sea	NOUN
cjfa-34392	298	2	–	–	PUNCT
cjfa-34392	298	3	practical	practical	ADJ
cjfa-34392	298	4	application	application	NOUN
cjfa-34392	298	5	of	of	ADP
cjfa-34392	298	6	science	science	NOUN
cjfa-34392	298	7	,	,	PUNCT
cjfa-34392	298	8	11	11	NUM
cjfa-34392	298	9	,	,	PUNCT
cjfa-34392	298	10	79	79	NUM
cjfa-34392	298	11	-	-	SYM
cjfa-34392	298	12	384	384	NUM
cjfa-34392	298	13	.	.	PUNCT
cjfa-34392	299	1	puschmann	puschmann	PROPN
cjfa-34392	299	2	,	,	PUNCT
cjfa-34392	299	3	t.	t.	PROPN
cjfa-34392	299	4	(	(	PUNCT
cjfa-34392	299	5	2017	2017	NUM
cjfa-34392	299	6	)	)	PUNCT
cjfa-34392	299	7	.	.	PUNCT
cjfa-34392	300	1	fintech	fintech	NOUN
cjfa-34392	300	2	.	.	PUNCT
cjfa-34392	301	1	business	business	PROPN
cjfa-34392	301	2	&	&	CCONJ
cjfa-34392	301	3	information	information	PROPN
cjfa-34392	301	4	systems	system	NOUN
cjfa-34392	301	5	engineering	engineering	NOUN
cjfa-34392	301	6	,	,	PUNCT
cjfa-34392	301	7	59	59	NUM
cjfa-34392	301	8	,	,	PUNCT
cjfa-34392	301	9	69	69	NUM
cjfa-34392	301	10	-	-	SYM
cjfa-34392	301	11	76	76	NUM
cjfa-34392	301	12	.	.	PUNCT
cjfa-34392	302	1	http://dx.doi.org/10.1007/s12599-017-0464-6	http://dx.doi.org/10.1007/s12599-017-0464-6	PROPN
cjfa-34392	302	2	.	.	PUNCT
cjfa-34392	303	1	factors	factor	NOUN
cjfa-34392	303	2	affecting	affect	VERB
cjfa-34392	303	3	the	the	DET
cjfa-34392	303	4	adoption	adoption	NOUN
cjfa-34392	303	5	of	of	ADP
cjfa-34392	303	6	fintech	fintech	NOUN
cjfa-34392	303	7	…	…	PUNCT
cjfa-34392	303	8	73	73	NUM
cjfa-34392	303	9	sadrul	sadrul	NOUN
cjfa-34392	303	10	huda	huda	PROPN
cjfa-34392	303	11	,	,	PUNCT
cjfa-34392	303	12	s.s.m	s.s.m	PROPN
cjfa-34392	303	13	.	.	PROPN
cjfa-34392	303	14	,	,	PUNCT
cjfa-34392	303	15	kabir	kabir	PROPN
cjfa-34392	303	16	,	,	PUNCT
cjfa-34392	303	17	m.h	m.h	PROPN
cjfa-34392	303	18	.	.	PROPN
cjfa-34392	303	19	,	,	PUNCT
cjfa-34392	303	20	popy	popy	PROPN
cjfa-34392	303	21	,	,	PUNCT
cjfa-34392	303	22	n.n	n.n	PROPN
cjfa-34392	303	23	.	.	PROPN
cjfa-34392	303	24	,	,	PUNCT
cjfa-34392	303	25	&	&	CCONJ
cjfa-34392	303	26	saha	saha	PROPN
cjfa-34392	303	27	,	,	PUNCT
cjfa-34392	303	28	s.	s.	PROPN
cjfa-34392	303	29	(	(	PUNCT
cjfa-34392	303	30	2020	2020	NUM
cjfa-34392	303	31	)	)	PUNCT
cjfa-34392	303	32	.	.	PUNCT
cjfa-34392	304	1	innovation	innovation	NOUN
cjfa-34392	304	2	in	in	ADP
cjfa-34392	304	3	financial	financial	ADJ
cjfa-34392	304	4	services	service	NOUN
cjfa-34392	304	5	:	:	PUNCT
cjfa-34392	304	6	the	the	DET
cjfa-34392	304	7	case	case	NOUN
cjfa-34392	304	8	of	of	ADP
cjfa-34392	304	9	bangladesh	bangladesh	PROPN
cjfa-34392	304	10	.	.	PUNCT
cjfa-34392	305	1	copernican	copernican	PROPN
cjfa-34392	305	2	journal	journal	PROPN
cjfa-34392	305	3	of	of	ADP
cjfa-34392	305	4	finance	finance	PROPN
cjfa-34392	305	5	&	&	CCONJ
cjfa-34392	305	6	accounting	accounting	PROPN
cjfa-34392	305	7	,	,	PUNCT
cjfa-34392	305	8	9(1	9(1	NUM
cjfa-34392	305	9	)	)	PUNCT
cjfa-34392	305	10	,	,	PUNCT
cjfa-34392	305	11	31	31	NUM
cjfa-34392	305	12	-	-	SYM
cjfa-34392	305	13	56	56	NUM
cjfa-34392	305	14	.	.	PUNCT
cjfa-34392	305	15	http://dx.doi.org/10.12775/cjfa.2020.002	http://dx.doi.org/10.12775/cjfa.2020.002	PROPN
cjfa-34392	305	16	.	.	PUNCT
cjfa-34392	306	1	skan	skan	PROPN
cjfa-34392	306	2	,	,	PUNCT
cjfa-34392	306	3	j.d	j.d	PROPN
cjfa-34392	306	4	.	.	PROPN
cjfa-34392	306	5	(	(	PUNCT
cjfa-34392	306	6	2015	2015	NUM
cjfa-34392	306	7	)	)	PUNCT
cjfa-34392	306	8	.	.	PUNCT
cjfa-34392	307	1	the	the	DET
cjfa-34392	307	2	future	future	NOUN
cjfa-34392	307	3	of	of	ADP
cjfa-34392	307	4	fintech	fintech	NOUN
cjfa-34392	307	5	and	and	CCONJ
cjfa-34392	307	6	banking	banking	NOUN
cjfa-34392	307	7	:	:	PUNCT
cjfa-34392	307	8	digitally	digitally	ADV
cjfa-34392	307	9	disrupted	disrupt	VERB
cjfa-34392	307	10	or	or	CCONJ
cjfa-34392	307	11	reimagined	reimagine	VERB
cjfa-34392	307	12	?	?	PUNCT
cjfa-34392	308	1	https://technation.io/news/future-of-fintech	https://technation.io/news/future-of-fintech	PROPN
cjfa-34392	308	2	.	.	PUNCT
cjfa-34392	309	1	steele	steele	PROPN
cjfa-34392	309	2	,	,	PUNCT
cjfa-34392	309	3	r.	r.	PROPN
cjfa-34392	309	4	,	,	PUNCT
cjfa-34392	309	5	lo	lo	PROPN
cjfa-34392	309	6	,	,	PUNCT
cjfa-34392	309	7	a.	a.	NOUN
cjfa-34392	309	8	,	,	PUNCT
cjfa-34392	309	9	secombe	secombe	ADJ
cjfa-34392	309	10	,	,	PUNCT
cjfa-34392	309	11	ch	ch	NOUN
cjfa-34392	309	12	.	.	PROPN
cjfa-34392	309	13	,	,	PUNCT
cjfa-34392	309	14	&	&	CCONJ
cjfa-34392	309	15	wong	wong	PROPN
cjfa-34392	309	16	,	,	PUNCT
cjfa-34392	309	17	y.	y.	PROPN
cjfa-34392	309	18	(	(	PUNCT
cjfa-34392	309	19	2009	2009	NUM
cjfa-34392	309	20	)	)	PUNCT
cjfa-34392	309	21	.	.	PUNCT
cjfa-34392	310	1	elderly	elderly	ADJ
cjfa-34392	310	2	persons	person	NOUN
cjfa-34392	310	3	’	'	PUNCT
cjfa-34392	310	4	perception	perception	NOUN
cjfa-34392	310	5	and	and	CCONJ
cjfa-34392	310	6	acceptance	acceptance	NOUN
cjfa-34392	310	7	of	of	ADP
cjfa-34392	310	8	using	use	VERB
cjfa-34392	310	9	wireless	wireless	ADJ
cjfa-34392	310	10	sensor	sensor	NOUN
cjfa-34392	310	11	networks	network	NOUN
cjfa-34392	310	12	to	to	PART
cjfa-34392	310	13	assist	assist	VERB
cjfa-34392	310	14	healthcare	healthcare	NOUN
cjfa-34392	310	15	.	.	PUNCT
cjfa-34392	311	1	international	international	ADJ
cjfa-34392	311	2	journal	journal	PROPN
cjfa-34392	311	3	of	of	ADP
cjfa-34392	311	4	medical	medical	ADJ
cjfa-34392	311	5	informatics	informatic	NOUN
cjfa-34392	311	6	,	,	PUNCT
cjfa-34392	311	7	78	78	NUM
cjfa-34392	311	8	,	,	PUNCT
cjfa-34392	311	9	788	788	NUM
cjfa-34392	311	10	-	-	SYM
cjfa-34392	311	11	801	801	NUM
cjfa-34392	311	12	.	.	PUNCT
cjfa-34392	312	1	http://dx.doi.org/10.1016/j.ijmedinf.2009.08.001	http://dx.doi.org/10.1016/j.ijmedinf.2009.08.001	PROPN
cjfa-34392	312	2	.	.	PUNCT
cjfa-34392	313	1	vasiljeva	vasiljeva	PROPN
cjfa-34392	313	2	,	,	PUNCT
cjfa-34392	313	3	t.	t.	PROPN
cjfa-34392	313	4	(	(	PUNCT
cjfa-34392	313	5	2016	2016	NUM
cjfa-34392	313	6	)	)	PUNCT
cjfa-34392	313	7	.	.	PUNCT
cjfa-34392	314	1	commercial	commercial	ADJ
cjfa-34392	314	2	banks	bank	NOUN
cjfa-34392	314	3	and	and	CCONJ
cjfa-34392	314	4	fintech	fintech	NOUN
cjfa-34392	314	5	companies	company	NOUN
cjfa-34392	314	6	in	in	ADP
cjfa-34392	314	7	the	the	DET
cjfa-34392	314	8	digital	digital	ADJ
cjfa-34392	314	9	transformation	transformation	NOUN
cjfa-34392	314	10	:	:	PUNCT
cjfa-34392	314	11	challenges	challenge	NOUN
cjfa-34392	314	12	for	for	ADP
cjfa-34392	314	13	the	the	DET
cjfa-34392	314	14	future	future	NOUN
cjfa-34392	314	15	.	.	PUNCT
cjfa-34392	315	1	journal	journal	PROPN
cjfa-34392	315	2	of	of	ADP
cjfa-34392	315	3	business	business	NOUN
cjfa-34392	315	4	management	management	NOUN
cjfa-34392	315	5	,	,	PUNCT
cjfa-34392	315	6	11	11	NUM
cjfa-34392	315	7	,	,	PUNCT
cjfa-34392	315	8	25	25	NUM
cjfa-34392	315	9	-	-	SYM
cjfa-34392	315	10	33	33	NUM
cjfa-34392	315	11	.	.	PUNCT
cjfa-34392	316	1	venkatesh	venkatesh	PROPN
cjfa-34392	316	2	,	,	PUNCT
cjfa-34392	316	3	v.	v.	PROPN
cjfa-34392	316	4	,	,	PUNCT
cjfa-34392	316	5	morris	morris	PROPN
cjfa-34392	316	6	,	,	PUNCT
cjfa-34392	316	7	m.g	m.g	PROPN
cjfa-34392	316	8	.	.	PROPN
cjfa-34392	316	9	,	,	PUNCT
cjfa-34392	316	10	davis	davis	PROPN
cjfa-34392	316	11	,	,	PUNCT
cjfa-34392	316	12	g.b	g.b	PROPN
cjfa-34392	316	13	.	.	PROPN
cjfa-34392	316	14	,	,	PUNCT
cjfa-34392	316	15	&	&	CCONJ
cjfa-34392	316	16	davis	davis	PROPN
cjfa-34392	316	17	,	,	PUNCT
cjfa-34392	316	18	f.d	f.d	PROPN
cjfa-34392	316	19	.	.	PROPN
cjfa-34392	316	20	(	(	PUNCT
cjfa-34392	316	21	2003	2003	NUM
cjfa-34392	316	22	)	)	PUNCT
cjfa-34392	316	23	.	.	PUNCT
cjfa-34392	317	1	user	user	NOUN
cjfa-34392	317	2	acceptance	acceptance	NOUN
cjfa-34392	317	3	of	of	ADP
cjfa-34392	317	4	information	information	NOUN
cjfa-34392	317	5	technology	technology	NOUN
cjfa-34392	317	6	:	:	PUNCT
cjfa-34392	317	7	toward	toward	ADP
cjfa-34392	317	8	a	a	DET
cjfa-34392	317	9	unified	unified	ADJ
cjfa-34392	317	10	view	view	NOUN
cjfa-34392	317	11	.	.	PUNCT
cjfa-34392	318	1	mis	mis	PROPN
cjfa-34392	318	2	quarterly	quarterly	PROPN
cjfa-34392	318	3	,	,	PUNCT
cjfa-34392	318	4	27(3	27(3	NUM
cjfa-34392	318	5	)	)	PUNCT
cjfa-34392	318	6	,	,	PUNCT
cjfa-34392	318	7	425	425	NUM
cjfa-34392	318	8	-	-	SYM
cjfa-34392	318	9	478	478	NUM
cjfa-34392	318	10	.	.	PUNCT
cjfa-34392	319	1	http://	http://	PROPN
cjfa-34392	319	2	dx.doi.org/10.2307/30036540	dx.doi.org/10.2307/30036540	PROPN
cjfa-34392	319	3	.	.	PUNCT
cjfa-34392	320	1	venkatesh	venkatesh	PROPN
cjfa-34392	320	2	,	,	PUNCT
cjfa-34392	320	3	v.	v.	PROPN
cjfa-34392	320	4	,	,	PUNCT
cjfa-34392	320	5	thong	thong	PROPN
cjfa-34392	320	6	,	,	PUNCT
cjfa-34392	320	7	j.y.l	j.y.l	PROPN
cjfa-34392	320	8	.	.	PROPN
cjfa-34392	320	9	,	,	PUNCT
cjfa-34392	320	10	&	&	CCONJ
cjfa-34392	320	11	xu	xu	PROPN
cjfa-34392	320	12	,	,	PUNCT
cjfa-34392	320	13	x.	x.	NOUN
cjfa-34392	320	14	(	(	PUNCT
cjfa-34392	320	15	2012	2012	NUM
cjfa-34392	320	16	)	)	PUNCT
cjfa-34392	320	17	.	.	PUNCT
cjfa-34392	321	1	consumer	consumer	NOUN
cjfa-34392	321	2	acceptance	acceptance	NOUN
cjfa-34392	321	3	and	and	CCONJ
cjfa-34392	321	4	use	use	NOUN
cjfa-34392	321	5	of	of	ADP
cjfa-34392	321	6	information	information	NOUN
cjfa-34392	321	7	technology	technology	NOUN
cjfa-34392	321	8	:	:	PUNCT
cjfa-34392	321	9	extending	extend	VERB
cjfa-34392	321	10	the	the	DET
cjfa-34392	321	11	unified	unified	ADJ
cjfa-34392	321	12	theory	theory	NOUN
cjfa-34392	321	13	of	of	ADP
cjfa-34392	321	14	acceptance	acceptance	NOUN
cjfa-34392	321	15	and	and	CCONJ
cjfa-34392	321	16	use	use	NOUN
cjfa-34392	321	17	of	of	ADP
cjfa-34392	321	18	technology	technology	NOUN
cjfa-34392	321	19	.	.	PUNCT
cjfa-34392	322	1	mis	mis	PROPN
cjfa-34392	322	2	quarterly	quarterly	PROPN
cjfa-34392	322	3	,	,	PUNCT
cjfa-34392	322	4	36(1	36(1	NUM
cjfa-34392	322	5	)	)	PUNCT
cjfa-34392	322	6	,	,	PUNCT
cjfa-34392	322	7	157	157	NUM
cjfa-34392	322	8	-	-	SYM
cjfa-34392	322	9	178	178	NUM
cjfa-34392	322	10	.	.	PUNCT
cjfa-34392	323	1	http://dx.doi.org/10.2307/41410412	http://dx.doi.org/10.2307/41410412	PROPN
cjfa-34392	323	2	.	.	PROPN
cjfa-34392	323	3	wonglimpiyarat	wonglimpiyarat	PROPN
cjfa-34392	323	4	,	,	PUNCT
cjfa-34392	323	5	j.	j.	PROPN
cjfa-34392	323	6	(	(	PUNCT
cjfa-34392	323	7	2017	2017	NUM
cjfa-34392	323	8	)	)	PUNCT
cjfa-34392	323	9	.	.	PUNCT
cjfa-34392	324	1	fintech	fintech	NOUN
cjfa-34392	324	2	banking	banking	NOUN
cjfa-34392	324	3	industry	industry	NOUN
cjfa-34392	324	4	:	:	PUNCT
cjfa-34392	324	5	a	a	DET
cjfa-34392	324	6	systemic	systemic	ADJ
cjfa-34392	324	7	approach	approach	NOUN
cjfa-34392	324	8	.	.	PUNCT
cjfa-34392	325	1	foresight	foresight	NOUN
cjfa-34392	325	2	,	,	PUNCT
cjfa-34392	325	3	19(6	19(6	NUM
cjfa-34392	325	4	)	)	PUNCT
cjfa-34392	325	5	,	,	PUNCT
cjfa-34392	325	6	590	590	NUM
cjfa-34392	325	7	-	-	SYM
cjfa-34392	325	8	603	603	NUM
cjfa-34392	325	9	.	.	PUNCT
cjfa-34392	326	1	http://dx.doi.org/10.1108/fs-07-2017-0026	http://dx.doi.org/10.1108/fs-07-2017-0026	PROPN
cjfa-34392	326	2	.	.	PUNCT
cjfa-34392	326	3	wulan	wulan	PROPN
cjfa-34392	326	4	,	,	PUNCT
cjfa-34392	326	5	v.r	v.r	PROPN
cjfa-34392	326	6	.	.	PROPN
cjfa-34392	327	1	(	(	PUNCT
cjfa-34392	327	2	2017	2017	NUM
cjfa-34392	327	3	)	)	PUNCT
cjfa-34392	327	4	.	.	PUNCT
cjfa-34392	328	1	financial	financial	ADJ
cjfa-34392	328	2	technology	technology	NOUN
cjfa-34392	328	3	(	(	PUNCT
cjfa-34392	328	4	fintech	fintech	NOUN
cjfa-34392	328	5	)	)	PUNCT
cjfa-34392	328	6	a	a	DET
cjfa-34392	328	7	new	new	ADJ
cjfa-34392	328	8	transaction	transaction	NOUN
cjfa-34392	328	9	in	in	ADP
cjfa-34392	328	10	future	future	NOUN
cjfa-34392	328	11	.	.	PUNCT
cjfa-34392	329	1	journal	journal	NOUN
cjfa-34392	329	2	of	of	ADP
cjfa-34392	329	3	electrical	electrical	ADJ
cjfa-34392	329	4	engineering	engineering	NOUN
cjfa-34392	329	5	and	and	CCONJ
cjfa-34392	329	6	computer	computer	NOUN
cjfa-34392	329	7	sciences	science	NOUN
cjfa-34392	329	8	,	,	PUNCT
cjfa-34392	329	9	2(1	2(1	NUM
cjfa-34392	329	10	)	)	PUNCT
cjfa-34392	329	11	,	,	PUNCT
cjfa-34392	329	12	177	177	NUM
cjfa-34392	329	13	-	-	SYM
cjfa-34392	329	14	182	182	NUM
cjfa-34392	329	15	.	.	PUNCT
cjfa-34392	330	1	yongwoon	yongwoon	PROPN
cjfa-34392	330	2	s.	s.	PROPN
cjfa-34392	330	3	,	,	PUNCT
cjfa-34392	330	4	&	&	CCONJ
cjfa-34392	330	5	dong	dong	PROPN
cjfa-34392	330	6	-	-	PUNCT
cjfa-34392	330	7	hee	hee	PROPN
cjfa-34392	330	8	,	,	PUNCT
cjfa-34392	330	9	s.	s.	PROPN
cjfa-34392	330	10	(	(	PUNCT
cjfa-34392	330	11	2016	2016	NUM
cjfa-34392	330	12	)	)	PUNCT
cjfa-34392	330	13	.	.	PUNCT
cjfa-34392	331	1	analyzing	analyze	VERB
cjfa-34392	331	2	china	china	PROPN
cjfa-34392	331	3	’s	’s	PART
cjfa-34392	331	4	fintech	fintech	NOUN
cjfa-34392	331	5	industry	industry	NOUN
cjfa-34392	331	6	from	from	ADP
cjfa-34392	331	7	the	the	DET
cjfa-34392	331	8	perspective	perspective	NOUN
cjfa-34392	331	9	of	of	ADP
cjfa-34392	331	10	actor	actor	NOUN
cjfa-34392	331	11	–	–	PUNCT
cjfa-34392	331	12	network	network	NOUN
cjfa-34392	331	13	theory	theory	NOUN
cjfa-34392	331	14	.	.	PUNCT
cjfa-34392	332	1	telecommunications	telecommunication	NOUN
cjfa-34392	332	2	policy	policy	NOUN
cjfa-34392	332	3	,	,	PUNCT
cjfa-34392	332	4	40(2	40(2	NUM
cjfa-34392	332	5	-	-	SYM
cjfa-34392	332	6	3	3	NUM
cjfa-34392	332	7	)	)	PUNCT
cjfa-34392	332	8	,	,	PUNCT
cjfa-34392	332	9	168	168	NUM
cjfa-34392	332	10	-	-	SYM
cjfa-34392	332	11	181	181	NUM
cjfa-34392	332	12	.	.	PUNCT
cjfa-34392	333	1	zavolokina	zavolokina	PROPN
cjfa-34392	333	2	,	,	PUNCT
cjfa-34392	333	3	l.	l.	PROPN
cjfa-34392	333	4	,	,	PUNCT
cjfa-34392	333	5	dolata	dolata	PROPN
cjfa-34392	333	6	,	,	PUNCT
cjfa-34392	333	7	m.	m.	NOUN
cjfa-34392	333	8	,	,	PUNCT
cjfa-34392	333	9	&	&	CCONJ
cjfa-34392	333	10	schwabe	schwabe	PROPN
cjfa-34392	333	11	,	,	PUNCT
cjfa-34392	333	12	g.	g.	PROPN
cjfa-34392	333	13	(	(	PUNCT
cjfa-34392	333	14	2016	2016	NUM
cjfa-34392	333	15	)	)	PUNCT
cjfa-34392	333	16	.	.	PUNCT
cjfa-34392	334	1	fintech	fintech	NOUN
cjfa-34392	334	2	transformation	transformation	NOUN
cjfa-34392	334	3	:	:	PUNCT
cjfa-34392	334	4	how	how	SCONJ
cjfa-34392	334	5	it	it	PRON
cjfa-34392	334	6	-	-	PUNCT
cjfa-34392	334	7	enabled	enable	VERB
cjfa-34392	334	8	innovations	innovation	NOUN
cjfa-34392	334	9	shape	shape	VERB
cjfa-34392	334	10	the	the	DET
cjfa-34392	334	11	financial	financial	ADJ
cjfa-34392	334	12	sector	sector	NOUN
cjfa-34392	334	13	.	.	PUNCT
cjfa-34392	335	1	in	in	ADP
cjfa-34392	335	2	s.	s.	PROPN
cjfa-34392	335	3	,	,	PUNCT
cjfa-34392	335	4	feuerriegel	feuerriegel	PROPN
cjfa-34392	335	5	,	,	PUNCT
cjfa-34392	335	6	d.	d.	PROPN
cjfa-34392	335	7	neumann	neumann	PROPN
cjfa-34392	335	8	(	(	PUNCT
cjfa-34392	335	9	eds	ed	NOUN
cjfa-34392	335	10	)	)	PUNCT
cjfa-34392	335	11	.	.	PUNCT
cjfa-34392	336	1	enterpriseapplications	enterpriseapplication	NOUN
cjfa-34392	336	2	,	,	PUNCT
cjfa-34392	336	3	markets	market	NOUN
cjfa-34392	336	4	and	and	CCONJ
cjfa-34392	336	5	services	service	NOUN
cjfa-34392	336	6	in	in	ADP
cjfa-34392	336	7	the	the	DET
cjfa-34392	336	8	finance	finance	NOUN
cjfa-34392	336	9	industry	industry	NOUN
cjfa-34392	336	10	.	.	PUNCT
cjfa-34392	337	1	cham	cham	PROPN
cjfa-34392	337	2	:	:	PUNCT
cjfa-34392	337	3	springer	springer	NOUN
cjfa-34392	337	4	.	.	PUNCT
cjfa-34392	338	1	http://dx.doi.org/10.1007/978-3-319-52764-2_6	http://dx.doi.org/10.1007/978-3-319-52764-2_6	PROPN
cjfa-34392	338	2	.	.	PUNCT
cjfa-34392	339	1	nasima	nasima	PROPN
cjfa-34392	339	2	khatun	khatun	PROPN
cjfa-34392	339	3	,	,	PUNCT
cjfa-34392	339	4	marzia	marzia	NOUN
cjfa-34392	339	5	tamanna74	tamanna74	VERB
cjfa-34392	339	6	appendix	appendix	ADJ
cjfa-34392	339	7	list	list	NOUN
cjfa-34392	339	8	of	of	ADP
cjfa-34392	339	9	measures	measure	NOUN
cjfa-34392	339	10	likert	likert	ADJ
cjfa-34392	339	11	scale	scale	NOUN
cjfa-34392	339	12	[	[	X
cjfa-34392	339	13	(	(	PUNCT
cjfa-34392	339	14	1	1	NUM
cjfa-34392	339	15	)	)	PUNCT
cjfa-34392	339	16	=	=	PRON
cjfa-34392	339	17	strongly	strongly	ADV
cjfa-34392	339	18	disagree	disagree	VERB
cjfa-34392	339	19	;	;	PUNCT
cjfa-34392	339	20	(	(	PUNCT
cjfa-34392	339	21	2	2	X
cjfa-34392	339	22	)	)	PUNCT
cjfa-34392	339	23	=	=	VERB
cjfa-34392	339	24	disagree	disagree	VERB
cjfa-34392	339	25	;	;	PUNCT
cjfa-34392	339	26	(	(	PUNCT
cjfa-34392	339	27	3	3	X
cjfa-34392	339	28	)	)	PUNCT
cjfa-34392	339	29	=	=	SYM
cjfa-34392	339	30	neutral	neutral	ADJ
cjfa-34392	339	31	;	;	PUNCT
cjfa-34392	339	32	(	(	PUNCT
cjfa-34392	339	33	4	4	X
cjfa-34392	339	34	)	)	PUNCT
cjfa-34392	339	35	=	=	VERB
cjfa-34392	340	1	agree	agree	VERB
cjfa-34392	340	2	;	;	PUNCT
cjfa-34392	340	3	(	(	PUNCT
cjfa-34392	340	4	5	5	X
cjfa-34392	340	5	)	)	PUNCT
cjfa-34392	340	6	=	=	PRON
cjfa-34392	340	7	strongly	strongly	ADV
cjfa-34392	340	8	agree	agree	VERB
cjfa-34392	340	9	]	]	PUNCT
cjfa-34392	340	10	performance	performance	NOUN
cjfa-34392	340	11	expectancy	expectancy	NOUN
cjfa-34392	340	12	(	(	PUNCT
cjfa-34392	340	13	pe	pe	NOUN
cjfa-34392	340	14	)	)	PUNCT
cjfa-34392	340	15	1	1	NUM
cjfa-34392	340	16	2	2	NUM
cjfa-34392	340	17	3	3	NUM
cjfa-34392	340	18	4	4	NUM
cjfa-34392	340	19	5	5	NUM
cjfa-34392	340	20	pe1	pe1	PROPN
cjfa-34392	340	21	fintech	fintech	NOUN
cjfa-34392	340	22	is	be	AUX
cjfa-34392	340	23	useful	useful	ADJ
cjfa-34392	340	24	in	in	SCONJ
cjfa-34392	340	25	my	my	PRON
cjfa-34392	340	26	job	job	NOUN
cjfa-34392	340	27	pe2	pe2	PROPN
cjfa-34392	340	28	fintech	fintech	NOUN
cjfa-34392	340	29	usage	usage	NOUN
cjfa-34392	340	30	provides	provide	VERB
cjfa-34392	340	31	better	well	ADJ
cjfa-34392	340	32	scope	scope	NOUN
cjfa-34392	340	33	of	of	ADP
cjfa-34392	340	34	meeting	meet	VERB
cjfa-34392	340	35	my	my	PRON
cjfa-34392	340	36	needs	need	NOUN
cjfa-34392	340	37	pe3	pe3	NOUN
cjfa-34392	340	38	fintech	fintech	NOUN
cjfa-34392	340	39	helps	help	VERB
cjfa-34392	340	40	me	i	PRON
cjfa-34392	340	41	to	to	PART
cjfa-34392	340	42	accomplish	accomplish	VERB
cjfa-34392	340	43	my	my	PRON
cjfa-34392	340	44	tasks	task	NOUN
cjfa-34392	340	45	more	more	ADV
cjfa-34392	340	46	quickly	quickly	ADV
cjfa-34392	340	47	pe4	pe4	ADJ
cjfa-34392	340	48	using	use	VERB
cjfa-34392	340	49	fintech	fintech	NOUN
cjfa-34392	340	50	increases	increase	VERB
cjfa-34392	340	51	my	my	PRON
cjfa-34392	340	52	productivity	productivity	NOUN
cjfa-34392	340	53	pe5	pe5	NOUN
cjfa-34392	340	54	fintech	fintech	NOUN
cjfa-34392	340	55	use	use	NOUN
cjfa-34392	340	56	will	will	AUX
cjfa-34392	340	57	enable	enable	VERB
cjfa-34392	340	58	me	i	PRON
cjfa-34392	340	59	to	to	PART
cjfa-34392	340	60	get	get	VERB
cjfa-34392	340	61	a	a	DET
cjfa-34392	340	62	raise	raise	NOUN
cjfa-34392	340	63	effort	effort	NOUN
cjfa-34392	340	64	expectancy	expectancy	NOUN
cjfa-34392	340	65	(	(	PUNCT
cjfa-34392	340	66	ee	ee	INTJ
cjfa-34392	340	67	)	)	PUNCT
cjfa-34392	340	68	ee1	ee1	NOUN
cjfa-34392	340	69	learning	learn	VERB
cjfa-34392	340	70	to	to	PART
cjfa-34392	340	71	operate	operate	VERB
cjfa-34392	340	72	fintech	fintech	NOUN
cjfa-34392	340	73	is	be	AUX
cjfa-34392	340	74	easy	easy	ADJ
cjfa-34392	340	75	for	for	SCONJ
cjfa-34392	340	76	me	i	PRON
cjfa-34392	340	77	ee2	ee2	VERB
cjfa-34392	340	78	the	the	DET
cjfa-34392	340	79	way	way	NOUN
cjfa-34392	340	80	of	of	ADP
cjfa-34392	340	81	using	use	VERB
cjfa-34392	340	82	fintech	fintech	NOUN
cjfa-34392	340	83	is	be	AUX
cjfa-34392	340	84	clear	clear	ADJ
cjfa-34392	340	85	and	and	CCONJ
cjfa-34392	340	86	understandable	understandable	ADJ
cjfa-34392	340	87	for	for	ADP
cjfa-34392	340	88	me	i	PRON
cjfa-34392	341	1	ee3	ee3	NOUN
cjfa-34392	341	2	i	i	PRON
cjfa-34392	341	3	have	have	AUX
cjfa-34392	341	4	found	find	VERB
cjfa-34392	341	5	the	the	DET
cjfa-34392	341	6	fintech	fintech	NOUN
cjfa-34392	341	7	is	be	AUX
cjfa-34392	341	8	easy	easy	ADJ
cjfa-34392	341	9	to	to	PART
cjfa-34392	341	10	use	use	VERB
cjfa-34392	341	11	ee4	ee4	NOUN
cjfa-34392	341	12	it	it	PRON
cjfa-34392	341	13	is	be	AUX
cjfa-34392	341	14	easy	easy	ADJ
cjfa-34392	341	15	for	for	SCONJ
cjfa-34392	341	16	me	i	PRON
cjfa-34392	341	17	to	to	PART
cjfa-34392	341	18	become	become	VERB
cjfa-34392	341	19	skillful	skillful	ADJ
cjfa-34392	341	20	at	at	ADP
cjfa-34392	341	21	using	use	VERB
cjfa-34392	341	22	fintech	fintech	NOUN
cjfa-34392	341	23	social	social	ADJ
cjfa-34392	341	24	influence	influence	NOUN
cjfa-34392	341	25	(	(	PUNCT
cjfa-34392	341	26	si	si	X
cjfa-34392	341	27	)	)	PUNCT
cjfa-34392	341	28	si1	si1	PROPN
cjfa-34392	341	29	communicating	communicate	VERB
cjfa-34392	341	30	with	with	ADP
cjfa-34392	341	31	my	my	PRON
cjfa-34392	341	32	friends	friend	NOUN
cjfa-34392	341	33	/	/	SYM
cjfa-34392	341	34	colleagues	colleague	NOUN
cjfa-34392	341	35	helps	help	VERB
cjfa-34392	341	36	me	i	PRON
cjfa-34392	341	37	to	to	PART
cjfa-34392	341	38	learn	learn	VERB
cjfa-34392	341	39	more	more	ADJ
cjfa-34392	341	40	about	about	ADP
cjfa-34392	341	41	fintech	fintech	NOUN
cjfa-34392	341	42	.	.	PUNCT
cjfa-34392	342	1	si2	si2	NOUN
cjfa-34392	342	2	i	i	PRON
cjfa-34392	342	3	use	use	VERB
cjfa-34392	342	4	fintech	fintech	NOUN
cjfa-34392	342	5	because	because	SCONJ
cjfa-34392	342	6	other	other	ADJ
cjfa-34392	342	7	related	related	ADJ
cjfa-34392	342	8	organizations	organization	NOUN
cjfa-34392	342	9	are	be	AUX
cjfa-34392	342	10	using	use	VERB
cjfa-34392	342	11	fintech	fintech	NOUN
cjfa-34392	342	12	.	.	PUNCT
cjfa-34392	343	1	si3	si3	PROPN
cjfa-34392	343	2	people	people	NOUN
cjfa-34392	343	3	who	who	PRON
cjfa-34392	343	4	influence	influence	VERB
cjfa-34392	343	5	my	my	PRON
cjfa-34392	343	6	job	job	NOUN
cjfa-34392	343	7	performance	performance	NOUN
cjfa-34392	343	8	think	think	VERB
cjfa-34392	343	9	that	that	SCONJ
cjfa-34392	343	10	i	i	PRON
cjfa-34392	343	11	should	should	AUX
cjfa-34392	343	12	use	use	VERB
cjfa-34392	343	13	fintech	fintech	NOUN
cjfa-34392	343	14	.	.	PUNCT
cjfa-34392	344	1	si4	si4	PROPN
cjfa-34392	344	2	my	my	PRON
cjfa-34392	344	3	organization	organization	NOUN
cjfa-34392	344	4	has	have	AUX
cjfa-34392	344	5	supported	support	VERB
cjfa-34392	344	6	to	to	PART
cjfa-34392	344	7	use	use	VERB
cjfa-34392	344	8	fintech	fintech	NOUN
cjfa-34392	344	9	si5	si5	NOUN
cjfa-34392	344	10	organizations	organization	NOUN
cjfa-34392	344	11	who	who	PRON
cjfa-34392	344	12	use	use	VERB
cjfa-34392	344	13	fintech	fintech	NOUN
cjfa-34392	344	14	are	be	AUX
cjfa-34392	344	15	in	in	ADP
cjfa-34392	344	16	more	more	ADV
cjfa-34392	344	17	prestigious	prestigious	ADJ
cjfa-34392	344	18	status	status	NOUN
cjfa-34392	344	19	than	than	ADP
cjfa-34392	344	20	those	those	PRON
cjfa-34392	344	21	who	who	PRON
cjfa-34392	344	22	are	be	AUX
cjfa-34392	344	23	not	not	PART
cjfa-34392	344	24	familiar	familiar	ADJ
cjfa-34392	344	25	with	with	ADP
cjfa-34392	344	26	fintech	fintech	NOUN
cjfa-34392	344	27	facilitating	facilitating	NOUN
cjfa-34392	344	28	conditions	condition	NOUN
cjfa-34392	344	29	(	(	PUNCT
cjfa-34392	344	30	fc	fc	X
cjfa-34392	344	31	)	)	PUNCT
cjfa-34392	344	32	fc1	fc1	PROPN
cjfa-34392	345	1	i	i	PRON
cjfa-34392	345	2	have	have	VERB
cjfa-34392	345	3	full	full	ADJ
cjfa-34392	345	4	it	it	PRON
cjfa-34392	345	5	support	support	NOUN
cjfa-34392	345	6	to	to	PART
cjfa-34392	345	7	use	use	VERB
cjfa-34392	345	8	fintech	fintech	NOUN
cjfa-34392	345	9	fc2	fc2	NOUN
cjfa-34392	345	10	i	i	PRON
cjfa-34392	345	11	have	have	VERB
cjfa-34392	345	12	proper	proper	ADJ
cjfa-34392	345	13	experience	experience	NOUN
cjfa-34392	345	14	to	to	PART
cjfa-34392	345	15	use	use	VERB
cjfa-34392	345	16	fintech	fintech	NOUN
cjfa-34392	345	17	fc3	fc3	PROPN
cjfa-34392	345	18	fintech	fintech	NOUN
cjfa-34392	345	19	is	be	AUX
cjfa-34392	345	20	not	not	PART
cjfa-34392	345	21	compatible	compatible	ADJ
cjfa-34392	345	22	with	with	ADP
cjfa-34392	345	23	other	other	ADJ
cjfa-34392	345	24	systems	system	NOUN
cjfa-34392	345	25	i	i	PRON
cjfa-34392	345	26	regularly	regularly	ADV
cjfa-34392	345	27	use	use	VERB
cjfa-34392	345	28	fc4	fc4	PROPN
cjfa-34392	345	29	it	it	PRON
cjfa-34392	345	30	service	service	NOUN
cjfa-34392	345	31	is	be	AUX
cjfa-34392	345	32	available	available	ADJ
cjfa-34392	345	33	for	for	ADP
cjfa-34392	345	34	assistance	assistance	NOUN
cjfa-34392	345	35	whenever	whenever	SCONJ
cjfa-34392	345	36	i	i	PRON
cjfa-34392	345	37	face	face	VERB
cjfa-34392	345	38	difficulties	difficulty	NOUN
cjfa-34392	345	39	using	use	VERB
cjfa-34392	345	40	fintech	fintech	NOUN
cjfa-34392	345	41	factors	factor	NOUN
cjfa-34392	345	42	affecting	affect	VERB
cjfa-34392	345	43	the	the	DET
cjfa-34392	345	44	adoption	adoption	NOUN
cjfa-34392	345	45	of	of	ADP
cjfa-34392	345	46	fintech	fintech	NOUN
cjfa-34392	345	47	…	…	PUNCT
cjfa-34392	345	48	75	75	NUM
cjfa-34392	345	49	fc5	fc5	ADJ
cjfa-34392	345	50	proper	proper	ADJ
cjfa-34392	345	51	guidance	guidance	NOUN
cjfa-34392	345	52	is	be	AUX
cjfa-34392	345	53	available	available	ADJ
cjfa-34392	345	54	for	for	ADP
cjfa-34392	345	55	me	i	PRON
cjfa-34392	345	56	in	in	ADP
cjfa-34392	345	57	the	the	DET
cjfa-34392	345	58	use	use	NOUN
cjfa-34392	345	59	of	of	ADP
cjfa-34392	345	60	fintech	fintech	NOUN
cjfa-34392	345	61	perceived	perceive	VERB
cjfa-34392	345	62	reliability	reliability	NOUN
cjfa-34392	345	63	(	(	PUNCT
cjfa-34392	345	64	pr	pr	NOUN
cjfa-34392	345	65	)	)	PUNCT
cjfa-34392	345	66	pr1	pr1	NOUN
cjfa-34392	345	67	i	i	PRON
cjfa-34392	345	68	acquire	acquire	VERB
cjfa-34392	345	69	exact	exact	ADJ
cjfa-34392	345	70	&	&	CCONJ
cjfa-34392	345	71	error	error	NOUN
cjfa-34392	345	72	free	free	ADJ
cjfa-34392	345	73	services	service	NOUN
cjfa-34392	345	74	from	from	ADP
cjfa-34392	345	75	fintech	fintech	NOUN
cjfa-34392	345	76	facility	facility	NOUN
cjfa-34392	345	77	providers	provider	NOUN
cjfa-34392	345	78	.	.	PUNCT
cjfa-34392	346	1	pr2	pr2	NOUN
cjfa-34392	346	2	i	i	PRON
cjfa-34392	346	3	can	can	AUX
cjfa-34392	346	4	count	count	VERB
cjfa-34392	346	5	on	on	ADP
cjfa-34392	346	6	the	the	DET
cjfa-34392	346	7	service	service	NOUN
cjfa-34392	346	8	provided	provide	VERB
cjfa-34392	346	9	by	by	ADP
cjfa-34392	346	10	fintech	fintech	NOUN
cjfa-34392	346	11	service	service	NOUN
cjfa-34392	346	12	provider	provider	NOUN
cjfa-34392	346	13	.	.	PUNCT
cjfa-34392	347	1	pr3	pr3	NOUN
cjfa-34392	347	2	fintech	fintech	NOUN
cjfa-34392	347	3	services	service	NOUN
cjfa-34392	347	4	support	support	VERB
cjfa-34392	347	5	standard	standard	ADJ
cjfa-34392	347	6	uninterruptedly	uninterruptedly	ADV
cjfa-34392	347	7	.	.	PUNCT
cjfa-34392	348	1	pr4	pr4	ADJ
cjfa-34392	348	2	fintech	fintech	NOUN
cjfa-34392	348	3	service	service	NOUN
cjfa-34392	348	4	is	be	AUX
cjfa-34392	348	5	consistent	consistent	ADJ
cjfa-34392	348	6	over	over	ADP
cjfa-34392	348	7	time	time	NOUN
cjfa-34392	348	8	.	.	PUNCT
cjfa-34392	349	1	added	add	VERB
cjfa-34392	349	2	value	value	NOUN
cjfa-34392	349	3	(	(	PUNCT
cjfa-34392	349	4	av	av	NOUN
cjfa-34392	349	5	)	)	PUNCT
cjfa-34392	349	6	av1	av1	VERB
cjfa-34392	349	7	my	my	PRON
cjfa-34392	349	8	organization	organization	NOUN
cjfa-34392	349	9	can	can	AUX
cjfa-34392	349	10	avail	avail	VERB
cjfa-34392	349	11	the	the	DET
cjfa-34392	349	12	system	system	NOUN
cjfa-34392	349	13	with	with	ADP
cjfa-34392	349	14	fair	fair	ADJ
cjfa-34392	349	15	price	price	NOUN
cjfa-34392	349	16	av2	av2	NOUN
cjfa-34392	349	17	the	the	DET
cjfa-34392	349	18	benefit	benefit	NOUN
cjfa-34392	349	19	i	i	PRON
cjfa-34392	349	20	get	get	VERB
cjfa-34392	349	21	from	from	ADP
cjfa-34392	349	22	fintech	fintech	NOUN
cjfa-34392	349	23	services	service	NOUN
cjfa-34392	349	24	creates	create	VERB
cjfa-34392	349	25	value	value	NOUN
cjfa-34392	349	26	for	for	SCONJ
cjfa-34392	349	27	the	the	DET
cjfa-34392	349	28	money	money	NOUN
cjfa-34392	349	29	av3	av3	PROPN
cjfa-34392	349	30	fintech	fintech	NOUN
cjfa-34392	349	31	adds	add	VERB
cjfa-34392	349	32	a	a	DET
cjfa-34392	349	33	satisfactory	satisfactory	ADJ
cjfa-34392	349	34	value	value	NOUN
cjfa-34392	349	35	at	at	ADP
cjfa-34392	349	36	its	its	PRON
cjfa-34392	349	37	current	current	ADJ
cjfa-34392	349	38	price	price	NOUN
cjfa-34392	349	39	self	self	NOUN
cjfa-34392	349	40	-	-	PUNCT
cjfa-34392	349	41	efficacy	efficacy	NOUN
cjfa-34392	349	42	(	(	PUNCT
cjfa-34392	349	43	se	se	X
cjfa-34392	349	44	)	)	PUNCT
cjfa-34392	350	1	i	i	PRON
cjfa-34392	350	2	can	can	AUX
cjfa-34392	350	3	operate	operate	VERB
cjfa-34392	350	4	my	my	PRON
cjfa-34392	350	5	task	task	NOUN
cjfa-34392	350	6	using	use	VERB
cjfa-34392	350	7	fintech	fintech	NOUN
cjfa-34392	350	8	……	……	NOUN
cjfa-34392	350	9	……	……	NOUN
cjfa-34392	350	10	……	……	NOUN
cjfa-34392	350	11	……	……	NOUN
cjfa-34392	350	12	se1	se1	NOUN
cjfa-34392	350	13	if	if	SCONJ
cjfa-34392	350	14	there	there	PRON
cjfa-34392	350	15	is	be	VERB
cjfa-34392	350	16	no	no	DET
cjfa-34392	350	17	one	one	NOUN
cjfa-34392	350	18	around	around	ADV
cjfa-34392	350	19	to	to	PART
cjfa-34392	350	20	tell	tell	VERB
cjfa-34392	350	21	me	i	PRON
cjfa-34392	350	22	what	what	PRON
cjfa-34392	350	23	to	to	PART
cjfa-34392	350	24	do	do	VERB
cjfa-34392	350	25	as	as	SCONJ
cjfa-34392	350	26	i	i	PRON
cjfa-34392	350	27	go	go	VERB
cjfa-34392	350	28	se2	se2	ADV
cjfa-34392	351	1	if	if	SCONJ
cjfa-34392	351	2	i	i	PRON
cjfa-34392	351	3	call	call	VERB
cjfa-34392	351	4	my	my	PRON
cjfa-34392	351	5	supporting	support	VERB
cjfa-34392	351	6	firm	firm	NOUN
cjfa-34392	351	7	to	to	PART
cjfa-34392	351	8	help	help	VERB
cjfa-34392	351	9	,	,	PUNCT
cjfa-34392	351	10	i	i	PRON
cjfa-34392	351	11	get	get	VERB
cjfa-34392	351	12	stuck	stuck	ADJ
cjfa-34392	352	1	se3	se3	INTJ
cjfa-34392	352	2	i	i	PRON
cjfa-34392	352	3	get	get	VERB
cjfa-34392	352	4	enough	enough	ADJ
cjfa-34392	352	5	time	time	NOUN
cjfa-34392	352	6	to	to	PART
cjfa-34392	352	7	complete	complete	VERB
cjfa-34392	352	8	my	my	PRON
cjfa-34392	352	9	assigned	assign	VERB
cjfa-34392	352	10	task	task	NOUN
cjfa-34392	352	11	for	for	ADP
cjfa-34392	352	12	which	which	PRON
cjfa-34392	352	13	the	the	DET
cjfa-34392	352	14	system	system	NOUN
cjfa-34392	352	15	is	be	AUX
cjfa-34392	352	16	provided	provide	VERB
cjfa-34392	352	17	to	to	ADP
cjfa-34392	352	18	me	i	PRON
cjfa-34392	352	19	nervousness	nervousness	NOUN
cjfa-34392	352	20	(	(	PUNCT
cjfa-34392	352	21	n	n	CCONJ
cjfa-34392	352	22	)	)	PUNCT
cjfa-34392	352	23	n1	n1	NOUN
cjfa-34392	352	24	the	the	DET
cjfa-34392	352	25	system	system	NOUN
cjfa-34392	352	26	is	be	AUX
cjfa-34392	352	27	somewhat	somewhat	ADV
cjfa-34392	352	28	intimidating	intimidate	VERB
cjfa-34392	352	29	for	for	ADP
cjfa-34392	352	30	me	i	PRON
cjfa-34392	353	1	n2	n2	ADJ
cjfa-34392	353	2	i	i	PRON
cjfa-34392	353	3	feel	feel	VERB
cjfa-34392	353	4	hesitation	hesitation	NOUN
cjfa-34392	353	5	using	use	VERB
cjfa-34392	353	6	fintech	fintech	NOUN
cjfa-34392	353	7	for	for	ADP
cjfa-34392	353	8	fear	fear	NOUN
cjfa-34392	353	9	of	of	ADP
cjfa-34392	353	10	making	make	VERB
cjfa-34392	353	11	mistakes	mistake	NOUN
cjfa-34392	353	12	i	i	PRON
cjfa-34392	353	13	can	can	AUX
cjfa-34392	353	14	not	not	PART
cjfa-34392	353	15	correct	correct	VERB
cjfa-34392	353	16	n3	n3	NOUN
cjfa-34392	353	17	i	i	PRON
cjfa-34392	353	18	feel	feel	VERB
cjfa-34392	353	19	anxiety	anxiety	NOUN
cjfa-34392	353	20	whenever	whenever	SCONJ
cjfa-34392	353	21	i	i	PRON
cjfa-34392	353	22	use	use	VERB
cjfa-34392	353	23	fintech	fintech	NOUN
cjfa-34392	353	24	behavioural	behavioural	ADJ
cjfa-34392	353	25	intention	intention	NOUN
cjfa-34392	353	26	(	(	PUNCT
cjfa-34392	353	27	bi	bi	NOUN
cjfa-34392	353	28	)	)	PUNCT
cjfa-34392	353	29	bi1	bi1	NOUN
cjfa-34392	353	30	i	i	PRON
cjfa-34392	353	31	intend	intend	VERB
cjfa-34392	353	32	to	to	PART
cjfa-34392	353	33	use	use	VERB
cjfa-34392	353	34	fintech	fintech	NOUN
cjfa-34392	353	35	in	in	ADP
cjfa-34392	353	36	the	the	DET
cjfa-34392	353	37	future	future	NOUN
cjfa-34392	353	38	.	.	PUNCT
cjfa-34392	354	1	bi2	bi2	INTJ
cjfa-34392	355	1	i	i	PRON
cjfa-34392	355	2	will	will	AUX
cjfa-34392	355	3	always	always	ADV
cjfa-34392	355	4	try	try	VERB
cjfa-34392	355	5	to	to	PART
cjfa-34392	355	6	use	use	VERB
cjfa-34392	355	7	fintech	fintech	NOUN
cjfa-34392	355	8	in	in	ADP
cjfa-34392	355	9	my	my	PRON
cjfa-34392	355	10	daily	daily	ADJ
cjfa-34392	355	11	task	task	NOUN
cjfa-34392	355	12	bi3	bi3	NOUN
cjfa-34392	355	13	i	i	PRON
cjfa-34392	355	14	am	be	AUX
cjfa-34392	355	15	planning	plan	VERB
cjfa-34392	355	16	to	to	PART
cjfa-34392	355	17	continue	continue	VERB
cjfa-34392	355	18	to	to	PART
cjfa-34392	355	19	use	use	VERB
cjfa-34392	355	20	fintech	fintech	NOUN
cjfa-34392	355	21	more	more	ADV
cjfa-34392	355	22	frequently	frequently	ADV
cjfa-34392	355	23	.	.	PUNCT
cjfa-34392	356	1	actual	actual	ADJ
cjfa-34392	356	2	use	use	NOUN
cjfa-34392	356	3	of	of	ADP
cjfa-34392	356	4	fintech	fintech	NOUN
cjfa-34392	356	5	(	(	PUNCT
cjfa-34392	356	6	auf	auf	PROPN
cjfa-34392	356	7	)	)	PUNCT
cjfa-34392	356	8	auf1	auf1	NOUN
cjfa-34392	356	9	fintech	fintech	NOUN
cjfa-34392	356	10	service	service	NOUN
cjfa-34392	356	11	is	be	AUX
cjfa-34392	356	12	a	a	DET
cjfa-34392	356	13	pleasant	pleasant	ADJ
cjfa-34392	356	14	experience	experience	NOUN
cjfa-34392	356	15	.	.	PUNCT
cjfa-34392	357	1	auf2	auf2	PROPN
cjfa-34392	357	2	i	i	PRON
cjfa-34392	357	3	really	really	ADV
cjfa-34392	357	4	want	want	VERB
cjfa-34392	357	5	to	to	PART
cjfa-34392	357	6	use	use	VERB
cjfa-34392	357	7	fintech	fintech	NOUN
cjfa-34392	357	8	services	service	NOUN
cjfa-34392	357	9	to	to	PART
cjfa-34392	357	10	work	work	VERB
cjfa-34392	357	11	efficiently	efficiently	ADV
cjfa-34392	357	12	.	.	PUNCT
cjfa-34392	358	1	auf3	auf3	PROPN
cjfa-34392	359	1	i	i	PRON
cjfa-34392	359	2	intend	intend	VERB
cjfa-34392	359	3	to	to	PART
cjfa-34392	359	4	increase	increase	VERB
cjfa-34392	359	5	my	my	PRON
cjfa-34392	359	6	use	use	NOUN
cjfa-34392	359	7	of	of	ADP
cjfa-34392	359	8	fin	fin	NOUN
cjfa-34392	359	9	technology	technology	NOUN
cjfa-34392	359	10	.	.	PUNCT
cjfa-34392	360	1	auf4	auf4	VERB
cjfa-34392	360	2	i	i	PRON
cjfa-34392	360	3	use	use	VERB
cjfa-34392	360	4	fintech	fintech	NOUN
cjfa-34392	360	5	on	on	ADP
cjfa-34392	360	6	regular	regular	ADJ
cjfa-34392	360	7	basis	basis	NOUN
cjfa-34392	360	8	.	.	PUNCT