id	sid	tid	token	lemma	pos
easat-10679	1	1	edelweiss	edelweiss	PROPN
easat-10679	1	2	applied	apply	VERB
easat-10679	1	3	science	science	NOUN
easat-10679	1	4	and	and	CCONJ
easat-10679	1	5	technology	technology	NOUN
easat-10679	1	6	issn	issn	PROPN
easat-10679	1	7	:	:	PUNCT
easat-10679	1	8	2576	2576	NUM
easat-10679	1	9	-	-	SYM
easat-10679	1	10	8484	8484	NUM
easat-10679	1	11	vol	vol	NOUN
easat-10679	1	12	.	.	PROPN
easat-10679	2	1	9	9	NUM
easat-10679	2	2	,	,	PUNCT
easat-10679	2	3	no	no	INTJ
easat-10679	2	4	.	.	NOUN
easat-10679	2	5	10	10	NUM
easat-10679	2	6	,	,	PUNCT
easat-10679	2	7	1449	1449	NUM
easat-10679	2	8	-	-	SYM
easat-10679	2	9	1458	1458	NUM
easat-10679	2	10	2025	2025	NUM
easat-10679	2	11	publisher	publisher	NOUN
easat-10679	2	12	:	:	PUNCT
easat-10679	2	13	learning	learn	VERB
easat-10679	2	14	gate	gate	NOUN
easat-10679	2	15	doi	doi	PROPN
easat-10679	2	16	:	:	PUNCT
easat-10679	2	17	10.55214/2576	10.55214/2576	NUM
easat-10679	2	18	-	-	SYM
easat-10679	2	19	8484.v9i10.10679	8484.v9i10.10679	NUM
easat-10679	3	1	©	©	PROPN
easat-10679	3	2	2025	2025	NUM
easat-10679	3	3	by	by	ADP
easat-10679	3	4	the	the	DET
easat-10679	3	5	authors	author	NOUN
easat-10679	3	6	;	;	PUNCT
easat-10679	3	7	licensee	licensee	PROPN
easat-10679	3	8	learning	learning	NOUN
easat-10679	3	9	gate	gate	NOUN
easat-10679	3	10	©	©	PROPN
easat-10679	3	11	2025	2025	NUM
easat-10679	3	12	by	by	ADP
easat-10679	3	13	the	the	DET
easat-10679	3	14	authors	author	NOUN
easat-10679	3	15	;	;	PUNCT
easat-10679	3	16	licensee	licensee	PROPN
easat-10679	3	17	learning	learning	NOUN
easat-10679	3	18	gate	gate	NOUN
easat-10679	3	19	history	history	NOUN
easat-10679	3	20	:	:	PUNCT
easat-10679	3	21	received	receive	VERB
easat-10679	3	22	:	:	PUNCT
easat-10679	3	23	15	15	NUM
easat-10679	3	24	august	august	PROPN
easat-10679	3	25	2025	2025	NUM
easat-10679	3	26	;	;	PUNCT
easat-10679	3	27	revised	revise	VERB
easat-10679	3	28	:	:	PUNCT
easat-10679	3	29	2	2	NUM
easat-10679	3	30	october	october	NOUN
easat-10679	3	31	2025	2025	NUM
easat-10679	3	32	;	;	PUNCT
easat-10679	3	33	accepted	accept	VERB
easat-10679	3	34	:	:	PUNCT
easat-10679	3	35	5	5	NUM
easat-10679	3	36	october	october	NOUN
easat-10679	3	37	2025	2025	NUM
easat-10679	3	38	;	;	PUNCT
easat-10679	3	39	published	publish	VERB
easat-10679	3	40	:	:	PUNCT
easat-10679	4	1	24	24	NUM
easat-10679	4	2	october	october	PROPN
easat-10679	4	3	2025	2025	NUM
easat-10679	4	4	*	*	PUNCT
easat-10679	4	5	correspondence	correspondence	NOUN
easat-10679	4	6	:	:	PUNCT
easat-10679	4	7	wiwit.apit.sulistyowati@ugj.ac.id	wiwit.apit.sulistyowati@ugj.ac.id	PROPN
easat-10679	4	8	improving	improve	VERB
easat-10679	4	9	mobile	mobile	ADJ
easat-10679	4	10	payment	payment	NOUN
easat-10679	4	11	adoption	adoption	NOUN
easat-10679	4	12	among	among	ADP
easat-10679	4	13	gen	gen	PROPN
easat-10679	4	14	z	z	PROPN
easat-10679	4	15	in	in	ADP
easat-10679	4	16	indonesia	indonesia	PROPN
easat-10679	4	17	:	:	PUNCT
easat-10679	4	18	an	an	DET
easat-10679	4	19	extended	extend	VERB
easat-10679	4	20	of	of	ADP
easat-10679	4	21	technology	technology	NOUN
easat-10679	4	22	acceptance	acceptance	NOUN
easat-10679	4	23	model	model	NOUN
easat-10679	4	24	and	and	CCONJ
easat-10679	4	25	delone	delone	PROPN
easat-10679	4	26	and	and	CCONJ
easat-10679	4	27	mclean	mclean	PROPN
easat-10679	4	28	information	information	NOUN
easat-10679	4	29	system	system	NOUN
easat-10679	4	30	success	success	NOUN
easat-10679	4	31	model	model	NOUN
easat-10679	4	32	ida	ida	PROPN
easat-10679	4	33	rosnidah1	rosnidah1	PROPN
easat-10679	4	34	,	,	PUNCT
easat-10679	4	35	razana	razana	PROPN
easat-10679	4	36	juhaida	juhaida	PROPN
easat-10679	4	37	johari2	johari2	PROPN
easat-10679	4	38	,	,	PUNCT
easat-10679	4	39	wiwit	wiwit	PROPN
easat-10679	4	40	apit	apit	PROPN
easat-10679	4	41	sulistyowati3	sulistyowati3	PROPN
easat-10679	4	42	*	*	PROPN
easat-10679	4	43	1,3accounting	1,3accounting	PROPN
easat-10679	4	44	department	department	NOUN
easat-10679	4	45	,	,	PUNCT
easat-10679	4	46	faculty	faculty	NOUN
easat-10679	4	47	of	of	ADP
easat-10679	4	48	business	business	NOUN
easat-10679	4	49	and	and	CCONJ
easat-10679	4	50	accountancy	accountancy	NOUN
easat-10679	4	51	,	,	PUNCT
easat-10679	4	52	universitas	universita	NOUN
easat-10679	4	53	swadaya	swadaya	NOUN
easat-10679	4	54	gunung	gunung	PROPN
easat-10679	4	55	jati	jati	PROPN
easat-10679	4	56	,	,	PUNCT
easat-10679	4	57	cirebon	cirebon	NOUN
easat-10679	4	58	,	,	PUNCT
easat-10679	4	59	indonesia	indonesia	PROPN
easat-10679	4	60	;	;	PUNCT
easat-10679	4	61	wiwit.apit.sulistyowati@ugj.ac.id	wiwit.apit.sulistyowati@ugj.ac.id	PROPN
easat-10679	4	62	(	(	PUNCT
easat-10679	4	63	w.a.s	w.a.s	PROPN
easat-10679	4	64	.	.	PUNCT
easat-10679	4	65	)	)	PUNCT
easat-10679	4	66	.	.	PUNCT
easat-10679	5	1	2faculty	2faculty	NUM
easat-10679	5	2	of	of	ADP
easat-10679	5	3	accountancy	accountancy	NOUN
easat-10679	5	4	,	,	PUNCT
easat-10679	5	5	universiti	universiti	PROPN
easat-10679	5	6	teknologi	teknologi	PROPN
easat-10679	5	7	mara	mara	PROPN
easat-10679	5	8	,	,	PUNCT
easat-10679	5	9	shah	shah	PROPN
easat-10679	5	10	alam	alam	PROPN
easat-10679	5	11	,	,	PUNCT
easat-10679	5	12	malaysia	malaysia	PROPN
easat-10679	5	13	.	.	PUNCT
easat-10679	6	1	abstract	abstract	PROPN
easat-10679	6	2	:	:	PUNCT
easat-10679	6	3	this	this	DET
easat-10679	6	4	study	study	NOUN
easat-10679	6	5	develops	develop	VERB
easat-10679	6	6	tam	tam	NOUN
easat-10679	6	7	with	with	ADP
easat-10679	6	8	system	system	NOUN
easat-10679	6	9	quality	quality	NOUN
easat-10679	6	10	and	and	CCONJ
easat-10679	6	11	service	service	NOUN
easat-10679	6	12	quality	quality	NOUN
easat-10679	6	13	that	that	PRON
easat-10679	6	14	individuals	individual	NOUN
easat-10679	6	15	consider	consider	VERB
easat-10679	6	16	when	when	SCONJ
easat-10679	6	17	using	use	VERB
easat-10679	6	18	online	online	ADJ
easat-10679	6	19	financial	financial	ADJ
easat-10679	6	20	services	service	NOUN
easat-10679	6	21	.	.	PUNCT
easat-10679	7	1	the	the	DET
easat-10679	7	2	development	development	NOUN
easat-10679	7	3	of	of	ADP
easat-10679	7	4	online	online	ADJ
easat-10679	7	5	financial	financial	ADJ
easat-10679	7	6	transactions	transaction	NOUN
easat-10679	7	7	has	have	AUX
easat-10679	7	8	increased	increase	VERB
easat-10679	7	9	every	every	DET
easat-10679	7	10	year	year	NOUN
easat-10679	7	11	,	,	PUNCT
easat-10679	7	12	but	but	CCONJ
easat-10679	7	13	the	the	DET
easat-10679	7	14	adoption	adoption	NOUN
easat-10679	7	15	of	of	ADP
easat-10679	7	16	mobile	mobile	ADJ
easat-10679	7	17	payments	payment	NOUN
easat-10679	7	18	has	have	AUX
easat-10679	7	19	not	not	PART
easat-10679	7	20	been	be	AUX
easat-10679	7	21	optimized	optimize	VERB
easat-10679	7	22	.	.	PUNCT
easat-10679	8	1	these	these	DET
easat-10679	8	2	conditions	condition	NOUN
easat-10679	8	3	motivate	motivate	VERB
easat-10679	8	4	this	this	DET
easat-10679	8	5	study	study	NOUN
easat-10679	8	6	to	to	PART
easat-10679	8	7	predict	predict	VERB
easat-10679	8	8	the	the	DET
easat-10679	8	9	factors	factor	NOUN
easat-10679	8	10	that	that	PRON
easat-10679	8	11	drive	drive	VERB
easat-10679	8	12	gen	gen	PROPN
easat-10679	8	13	z	z	PROPN
easat-10679	8	14	's	's	PART
easat-10679	8	15	interest	interest	NOUN
easat-10679	8	16	in	in	ADP
easat-10679	8	17	adopting	adopt	VERB
easat-10679	8	18	mobile	mobile	ADJ
easat-10679	8	19	banking	banking	NOUN
easat-10679	8	20	for	for	ADP
easat-10679	8	21	processing	process	VERB
easat-10679	8	22	financial	financial	ADJ
easat-10679	8	23	transactions	transaction	NOUN
easat-10679	8	24	or	or	CCONJ
easat-10679	8	25	online	online	ADJ
easat-10679	8	26	payments	payment	NOUN
easat-10679	8	27	.	.	PUNCT
easat-10679	9	1	the	the	DET
easat-10679	9	2	objective	objective	NOUN
easat-10679	9	3	of	of	ADP
easat-10679	9	4	this	this	DET
easat-10679	9	5	study	study	NOUN
easat-10679	9	6	was	be	AUX
easat-10679	9	7	to	to	PART
easat-10679	9	8	extend	extend	VERB
easat-10679	9	9	tam	tam	NOUN
easat-10679	9	10	with	with	ADP
easat-10679	9	11	system	system	NOUN
easat-10679	9	12	quality	quality	NOUN
easat-10679	9	13	and	and	CCONJ
easat-10679	9	14	service	service	NOUN
easat-10679	9	15	quality	quality	NOUN
easat-10679	9	16	that	that	PRON
easat-10679	9	17	individuals	individual	NOUN
easat-10679	9	18	consider	consider	VERB
easat-10679	9	19	when	when	SCONJ
easat-10679	9	20	using	use	VERB
easat-10679	9	21	online	online	ADJ
easat-10679	9	22	financial	financial	ADJ
easat-10679	9	23	services	service	NOUN
easat-10679	9	24	.	.	PUNCT
easat-10679	10	1	this	this	DET
easat-10679	10	2	study	study	NOUN
easat-10679	10	3	uses	use	VERB
easat-10679	10	4	a	a	DET
easat-10679	10	5	survey	survey	NOUN
easat-10679	10	6	method	method	NOUN
easat-10679	10	7	by	by	ADP
easat-10679	10	8	distributing	distribute	VERB
easat-10679	10	9	questionnaires	questionnaire	NOUN
easat-10679	10	10	to	to	ADP
easat-10679	10	11	gen	gen	PROPN
easat-10679	10	12	z	z	NOUN
easat-10679	10	13	regarding	regard	VERB
easat-10679	10	14	their	their	PRON
easat-10679	10	15	intention	intention	NOUN
easat-10679	10	16	to	to	PART
easat-10679	10	17	use	use	VERB
easat-10679	10	18	mobile	mobile	ADJ
easat-10679	10	19	payments	payment	NOUN
easat-10679	10	20	.	.	PUNCT
easat-10679	11	1	235	235	NUM
easat-10679	11	2	valid	valid	ADJ
easat-10679	11	3	data	datum	NOUN
easat-10679	11	4	points	point	NOUN
easat-10679	11	5	were	be	AUX
easat-10679	11	6	processed	process	VERB
easat-10679	11	7	using	use	VERB
easat-10679	11	8	structural	structural	ADJ
easat-10679	11	9	equation	equation	NOUN
easat-10679	11	10	modeling	model	VERB
easat-10679	11	11	through	through	ADP
easat-10679	11	12	smart	smart	ADJ
easat-10679	11	13	pls	pls	NOUN
easat-10679	11	14	.	.	PUNCT
easat-10679	12	1	the	the	DET
easat-10679	12	2	findings	finding	NOUN
easat-10679	12	3	show	show	VERB
easat-10679	12	4	that	that	SCONJ
easat-10679	12	5	gen	gen	PROPN
easat-10679	12	6	z	z	NOUN
easat-10679	12	7	focuses	focus	VERB
easat-10679	12	8	on	on	ADP
easat-10679	12	9	the	the	DET
easat-10679	12	10	ease	ease	NOUN
easat-10679	12	11	and	and	CCONJ
easat-10679	12	12	benefits	benefit	NOUN
easat-10679	12	13	of	of	ADP
easat-10679	12	14	mobile	mobile	ADJ
easat-10679	12	15	payment	payment	NOUN
easat-10679	12	16	services	service	NOUN
easat-10679	12	17	,	,	PUNCT
easat-10679	12	18	while	while	SCONJ
easat-10679	12	19	system	system	NOUN
easat-10679	12	20	quality	quality	NOUN
easat-10679	12	21	and	and	CCONJ
easat-10679	12	22	service	service	NOUN
easat-10679	12	23	quality	quality	NOUN
easat-10679	12	24	are	be	AUX
easat-10679	12	25	not	not	PART
easat-10679	12	26	the	the	DET
easat-10679	12	27	main	main	ADJ
easat-10679	12	28	considerations	consideration	NOUN
easat-10679	12	29	.	.	PUNCT
easat-10679	13	1	this	this	PRON
easat-10679	13	2	implies	imply	VERB
easat-10679	13	3	that	that	SCONJ
easat-10679	13	4	for	for	ADP
easat-10679	13	5	current	current	ADJ
easat-10679	13	6	financial	financial	ADJ
easat-10679	13	7	service	service	NOUN
easat-10679	13	8	users	user	NOUN
easat-10679	13	9	,	,	PUNCT
easat-10679	13	10	aspects	aspect	NOUN
easat-10679	13	11	such	such	ADJ
easat-10679	13	12	as	as	ADP
easat-10679	13	13	convenience	convenience	NOUN
easat-10679	13	14	and	and	CCONJ
easat-10679	13	15	immediate	immediate	ADJ
easat-10679	13	16	benefits	benefit	NOUN
easat-10679	13	17	are	be	AUX
easat-10679	13	18	more	more	ADV
easat-10679	13	19	dominant	dominant	ADJ
easat-10679	13	20	in	in	ADP
easat-10679	13	21	shaping	shape	VERB
easat-10679	13	22	positive	positive	ADJ
easat-10679	13	23	attitudes	attitude	NOUN
easat-10679	13	24	toward	toward	ADP
easat-10679	13	25	new	new	ADJ
easat-10679	13	26	technologies	technology	NOUN
easat-10679	13	27	.	.	PUNCT
easat-10679	14	1	therefore	therefore	ADV
easat-10679	14	2	,	,	PUNCT
easat-10679	14	3	service	service	NOUN
easat-10679	14	4	providers	provider	NOUN
easat-10679	14	5	should	should	AUX
easat-10679	14	6	prioritize	prioritize	VERB
easat-10679	14	7	improving	improve	VERB
easat-10679	14	8	intuitive	intuitive	ADJ
easat-10679	14	9	interface	interface	NOUN
easat-10679	14	10	design	design	NOUN
easat-10679	14	11	and	and	CCONJ
easat-10679	14	12	clear	clear	ADJ
easat-10679	14	13	communication	communication	NOUN
easat-10679	14	14	about	about	ADP
easat-10679	14	15	the	the	DET
easat-10679	14	16	benefits	benefit	NOUN
easat-10679	14	17	of	of	ADP
easat-10679	14	18	their	their	PRON
easat-10679	14	19	products	product	NOUN
easat-10679	14	20	to	to	PART
easat-10679	14	21	encourage	encourage	VERB
easat-10679	14	22	adoption	adoption	NOUN
easat-10679	14	23	.	.	PUNCT
easat-10679	15	1	keywords	keyword	NOUN
easat-10679	15	2	:	:	PUNCT
easat-10679	15	3	dmissm	dmissm	PROPN
easat-10679	15	4	,	,	PUNCT
easat-10679	15	5	gen	gen	PROPN
easat-10679	15	6	z	z	PROPN
easat-10679	15	7	,	,	PUNCT
easat-10679	15	8	mobile	mobile	ADJ
easat-10679	15	9	payment	payment	NOUN
easat-10679	15	10	adoption	adoption	NOUN
easat-10679	15	11	,	,	PUNCT
easat-10679	15	12	tam	tam	PROPN
easat-10679	15	13	.	.	PROPN
easat-10679	15	14	1	1	NUM
easat-10679	15	15	.	.	PUNCT
easat-10679	15	16	introduction	introduction	NOUN
easat-10679	15	17	data	datum	NOUN
easat-10679	15	18	from	from	ADP
easat-10679	15	19	the	the	DET
easat-10679	15	20	world	world	PROPN
easat-10679	15	21	bank	bank	PROPN
easat-10679	15	22	's	's	PART
easat-10679	15	23	global	global	ADJ
easat-10679	15	24	findex	findex	NOUN
easat-10679	15	25	shows	show	VERB
easat-10679	15	26	that	that	SCONJ
easat-10679	15	27	by	by	ADP
easat-10679	15	28	2021	2021	NUM
easat-10679	15	29	,	,	PUNCT
easat-10679	15	30	the	the	DET
easat-10679	15	31	average	average	ADJ
easat-10679	15	32	use	use	NOUN
easat-10679	15	33	of	of	ADP
easat-10679	15	34	digital	digital	ADJ
easat-10679	15	35	payments	payment	NOUN
easat-10679	15	36	in	in	ADP
easat-10679	15	37	asean	asean	PROPN
easat-10679	15	38	reached	reach	VERB
easat-10679	15	39	53.22	53.22	NUM
easat-10679	15	40	%	%	NOUN
easat-10679	15	41	.	.	PUNCT
easat-10679	16	1	while	while	SCONJ
easat-10679	16	2	this	this	DET
easat-10679	16	3	figure	figure	NOUN
easat-10679	16	4	reflects	reflect	VERB
easat-10679	16	5	growth	growth	NOUN
easat-10679	16	6	,	,	PUNCT
easat-10679	16	7	there	there	PRON
easat-10679	16	8	remains	remain	VERB
easat-10679	16	9	significant	significant	ADJ
easat-10679	16	10	potential	potential	NOUN
easat-10679	16	11	to	to	PART
easat-10679	16	12	increase	increase	VERB
easat-10679	16	13	the	the	DET
easat-10679	16	14	adoption	adoption	NOUN
easat-10679	16	15	of	of	ADP
easat-10679	16	16	digital	digital	ADJ
easat-10679	16	17	payment	payment	NOUN
easat-10679	16	18	services	service	NOUN
easat-10679	16	19	.	.	PUNCT
easat-10679	17	1	with	with	ADP
easat-10679	17	2	a	a	DET
easat-10679	17	3	population	population	NOUN
easat-10679	17	4	of	of	ADP
easat-10679	17	5	approximately	approximately	ADV
easat-10679	17	6	673.8	673.8	NUM
easat-10679	17	7	million	million	NUM
easat-10679	17	8	in	in	ADP
easat-10679	17	9	2021	2021	NUM
easat-10679	17	10	and	and	CCONJ
easat-10679	17	11	a	a	DET
easat-10679	17	12	percentage	percentage	NOUN
easat-10679	17	13	of	of	ADP
easat-10679	17	14	internet	internet	NOUN
easat-10679	17	15	users	user	NOUN
easat-10679	17	16	reaching	reach	VERB
easat-10679	17	17	61.4	61.4	NUM
easat-10679	17	18	%	%	NOUN
easat-10679	17	19	,	,	PUNCT
easat-10679	17	20	there	there	PRON
easat-10679	17	21	is	be	VERB
easat-10679	17	22	a	a	DET
easat-10679	17	23	substantial	substantial	ADJ
easat-10679	17	24	user	user	NOUN
easat-10679	17	25	base	base	NOUN
easat-10679	17	26	for	for	ADP
easat-10679	17	27	digital	digital	ADJ
easat-10679	17	28	payment	payment	NOUN
easat-10679	17	29	technology	technology	NOUN
easat-10679	17	30	.	.	PUNCT
easat-10679	18	1	one	one	NUM
easat-10679	18	2	of	of	ADP
easat-10679	18	3	the	the	DET
easat-10679	18	4	key	key	ADJ
easat-10679	18	5	factors	factor	NOUN
easat-10679	18	6	in	in	ADP
easat-10679	18	7	the	the	DET
easat-10679	18	8	development	development	NOUN
easat-10679	18	9	of	of	ADP
easat-10679	18	10	mobile	mobile	ADJ
easat-10679	18	11	payments	payment	NOUN
easat-10679	18	12	is	be	AUX
easat-10679	18	13	the	the	DET
easat-10679	18	14	improvement	improvement	NOUN
easat-10679	18	15	of	of	ADP
easat-10679	18	16	information	information	NOUN
easat-10679	18	17	and	and	CCONJ
easat-10679	18	18	communication	communication	NOUN
easat-10679	18	19	technology	technology	NOUN
easat-10679	18	20	(	(	PUNCT
easat-10679	18	21	ict	ict	NOUN
easat-10679	18	22	)	)	PUNCT
easat-10679	18	23	infrastructure	infrastructure	NOUN
easat-10679	18	24	.	.	PUNCT
easat-10679	19	1	many	many	ADJ
easat-10679	19	2	asean	asean	ADJ
easat-10679	19	3	countries	country	NOUN
easat-10679	19	4	have	have	AUX
easat-10679	19	5	invested	invest	VERB
easat-10679	19	6	in	in	ADP
easat-10679	19	7	better	well	ADJ
easat-10679	19	8	internet	internet	NOUN
easat-10679	19	9	networks	network	NOUN
easat-10679	19	10	and	and	CCONJ
easat-10679	19	11	increased	increase	VERB
easat-10679	19	12	smartphone	smartphone	NOUN
easat-10679	19	13	accessibility	accessibility	NOUN
easat-10679	19	14	.	.	PUNCT
easat-10679	20	1	for	for	ADP
easat-10679	20	2	example	example	NOUN
easat-10679	20	3	,	,	PUNCT
easat-10679	20	4	digital	digital	ADJ
easat-10679	20	5	payment	payment	NOUN
easat-10679	20	6	tools	tool	NOUN
easat-10679	20	7	such	such	ADJ
easat-10679	20	8	as	as	ADP
easat-10679	20	9	gopay	gopay	NOUN
easat-10679	20	10	,	,	PUNCT
easat-10679	20	11	ovo	ovo	PROPN
easat-10679	20	12	,	,	PUNCT
easat-10679	20	13	linkaja	linkaja	PROPN
easat-10679	20	14	,	,	PUNCT
easat-10679	20	15	doku	doku	PROPN
easat-10679	20	16	,	,	PUNCT
easat-10679	20	17	and	and	CCONJ
easat-10679	20	18	dana	dana	PROPN
easat-10679	20	19	are	be	AUX
easat-10679	20	20	gaining	gain	VERB
easat-10679	20	21	popularity	popularity	NOUN
easat-10679	20	22	in	in	ADP
easat-10679	20	23	indonesia	indonesia	PROPN
easat-10679	20	24	.	.	PUNCT
easat-10679	21	1	additionally	additionally	ADV
easat-10679	21	2	,	,	PUNCT
easat-10679	21	3	bank	bank	PROPN
easat-10679	21	4	indonesia	indonesia	PROPN
easat-10679	21	5	launched	launch	VERB
easat-10679	21	6	the	the	DET
easat-10679	21	7	quick	quick	ADJ
easat-10679	21	8	response	response	NOUN
easat-10679	21	9	code	code	PROPN
easat-10679	21	10	indonesia	indonesia	PROPN
easat-10679	21	11	standard	standard	PROPN
easat-10679	21	12	(	(	PUNCT
easat-10679	21	13	qris	qris	PROPN
easat-10679	21	14	)	)	PUNCT
easat-10679	21	15	in	in	ADP
easat-10679	21	16	2019	2019	NUM
easat-10679	21	17	to	to	PART
easat-10679	21	18	facilitate	facilitate	VERB
easat-10679	21	19	cashless	cashless	NOUN
easat-10679	21	20	transactions	transaction	NOUN
easat-10679	21	21	more	more	ADV
easat-10679	21	22	easily	easily	ADV
easat-10679	21	23	and	and	CCONJ
easat-10679	21	24	efficiently	efficiently	ADV
easat-10679	21	25	.	.	PUNCT
easat-10679	22	1	bank	bank	PROPN
easat-10679	22	2	indonesia	indonesia	PROPN
easat-10679	22	3	also	also	ADV
easat-10679	22	4	aims	aim	VERB
easat-10679	22	5	to	to	PART
easat-10679	22	6	reach	reach	VERB
easat-10679	22	7	55	55	NUM
easat-10679	22	8	million	million	NUM
easat-10679	22	9	qris	qris	NOUN
easat-10679	22	10	users	user	NOUN
easat-10679	22	11	with	with	ADP
easat-10679	22	12	a	a	DET
easat-10679	22	13	volume	volume	NOUN
easat-10679	22	14	of	of	ADP
easat-10679	22	15	2.5	2.5	NUM
easat-10679	22	16	million	million	NUM
easat-10679	22	17	transactions	transaction	NOUN
easat-10679	22	18	by	by	ADP
easat-10679	22	19	2024	2024	NUM
easat-10679	22	20	.	.	PUNCT
easat-10679	23	1	in	in	ADP
easat-10679	23	2	encouraging	encourage	VERB
easat-10679	23	3	the	the	DET
easat-10679	23	4	growth	growth	NOUN
easat-10679	23	5	of	of	ADP
easat-10679	23	6	mobile	mobile	ADJ
easat-10679	23	7	payments	payment	NOUN
easat-10679	23	8	,	,	PUNCT
easat-10679	23	9	various	various	ADJ
easat-10679	23	10	asean	asean	ADJ
easat-10679	23	11	countries	country	NOUN
easat-10679	23	12	have	have	AUX
easat-10679	23	13	issued	issue	VERB
easat-10679	23	14	policies	policy	NOUN
easat-10679	23	15	to	to	PART
easat-10679	23	16	support	support	VERB
easat-10679	23	17	financial	financial	ADJ
easat-10679	23	18	inclusion	inclusion	NOUN
easat-10679	23	19	through	through	ADP
easat-10679	23	20	digital	digital	ADJ
easat-10679	23	21	services	service	NOUN
easat-10679	23	22	.	.	PUNCT
easat-10679	24	1	for	for	ADP
easat-10679	24	2	example	example	NOUN
easat-10679	24	3	,	,	PUNCT
easat-10679	24	4	the	the	DET
easat-10679	24	5	financial	financial	ADJ
easat-10679	24	6	services	service	NOUN
easat-10679	24	7	authority	authority	NOUN
easat-10679	24	8	(	(	PUNCT
easat-10679	24	9	ojk	ojk	NOUN
easat-10679	24	10	)	)	PUNCT
easat-10679	24	11	in	in	ADP
easat-10679	24	12	indonesia	indonesia	PROPN
easat-10679	24	13	has	have	AUX
easat-10679	24	14	encouraged	encourage	VERB
easat-10679	24	15	banks	bank	NOUN
easat-10679	24	16	to	to	PART
easat-10679	24	17	transform	transform	VERB
easat-10679	24	18	into	into	ADP
easat-10679	24	19	smart	smart	ADJ
easat-10679	24	20	branches	branch	NOUN
easat-10679	24	21	with	with	ADP
easat-10679	24	22	a	a	DET
easat-10679	24	23	focus	focus	NOUN
easat-10679	24	24	on	on	ADP
easat-10679	24	25	digital	digital	ADJ
easat-10679	24	26	services	service	NOUN
easat-10679	24	27	.	.	PUNCT
easat-10679	25	1	despite	despite	SCONJ
easat-10679	25	2	progress	progress	NOUN
easat-10679	25	3	in	in	ADP
easat-10679	25	4	the	the	DET
easat-10679	25	5	use	use	NOUN
easat-10679	25	6	of	of	ADP
easat-10679	25	7	mobile	mobile	ADJ
easat-10679	25	8	payments	payment	NOUN
easat-10679	25	9	,	,	PUNCT
easat-10679	25	10	challenges	challenge	NOUN
easat-10679	25	11	remain	remain	VERB
easat-10679	25	12	,	,	PUNCT
easat-10679	25	13	especially	especially	ADV
easat-10679	25	14	related	relate	VERB
easat-10679	25	15	to	to	ADP
easat-10679	25	16	financial	financial	ADJ
easat-10679	25	17	literacy	literacy	NOUN
easat-10679	25	18	and	and	CCONJ
easat-10679	25	19	service	service	NOUN
easat-10679	25	20	accessibility	accessibility	NOUN
easat-10679	25	21	for	for	ADP
easat-10679	25	22	low	low	ADJ
easat-10679	25	23	-	-	PUNCT
easat-10679	25	24	income	income	NOUN
easat-10679	25	25	communities	community	NOUN
easat-10679	25	26	.	.	PUNCT
easat-10679	26	1	by	by	ADP
easat-10679	26	2	2021	2021	NUM
easat-10679	26	3	,	,	PUNCT
easat-10679	26	4	the	the	DET
easat-10679	26	5	financial	financial	ADJ
easat-10679	26	6	inclusion	inclusion	NOUN
easat-10679	26	7	rate	rate	NOUN
easat-10679	26	8	in	in	ADP
easat-10679	26	9	asean	asean	PROPN
easat-10679	26	10	will	will	AUX
easat-10679	26	11	only	only	ADV
easat-10679	26	12	reach	reach	VERB
easat-10679	26	13	65	65	NUM
easat-10679	26	14	%	%	NOUN
easat-10679	26	15	.	.	PUNCT
easat-10679	27	1	this	this	PRON
easat-10679	27	2	shows	show	VERB
easat-10679	27	3	that	that	SCONJ
easat-10679	27	4	many	many	ADJ
easat-10679	27	5	people	people	NOUN
easat-10679	27	6	still	still	ADV
easat-10679	27	7	do	do	AUX
easat-10679	27	8	not	not	PART
easat-10679	27	9	have	have	VERB
easat-10679	27	10	sufficient	sufficient	ADJ
easat-10679	27	11	https://orcid.org/0000-0003-3007-6316	https://orcid.org/0000-0003-3007-6316	VERB
easat-10679	27	12	https://orcid.org/0000-0002-0042-6330	https://orcid.org/0000-0002-0042-6330	PROPN
easat-10679	27	13	https://orcid.org/0000-0001-5851-1776	https://orcid.org/0000-0001-5851-1776	PROPN
easat-10679	27	14	1450	1450	NUM
easat-10679	27	15	edelweiss	edelweiss	PROPN
easat-10679	27	16	applied	apply	VERB
easat-10679	27	17	science	science	NOUN
easat-10679	27	18	and	and	CCONJ
easat-10679	27	19	technology	technology	NOUN
easat-10679	27	20	issn	issn	PROPN
easat-10679	27	21	:	:	PUNCT
easat-10679	27	22	2576	2576	NUM
easat-10679	27	23	-	-	SYM
easat-10679	27	24	8484	8484	NUM
easat-10679	27	25	vol	vol	NOUN
easat-10679	27	26	.	.	PROPN
easat-10679	28	1	9	9	NUM
easat-10679	28	2	,	,	PUNCT
easat-10679	28	3	no	no	INTJ
easat-10679	28	4	.	.	NOUN
easat-10679	28	5	10	10	NUM
easat-10679	28	6	:	:	SYM
easat-10679	28	7	1449	1449	NUM
easat-10679	28	8	-	-	SYM
easat-10679	28	9	1458	1458	NUM
easat-10679	28	10	,	,	PUNCT
easat-10679	28	11	2025	2025	NUM
easat-10679	28	12	doi	doi	NOUN
easat-10679	28	13	:	:	PUNCT
easat-10679	28	14	10.55214/2576	10.55214/2576	NUM
easat-10679	28	15	-	-	SYM
easat-10679	28	16	8484.v9i10.10679	8484.v9i10.10679	NUM
easat-10679	29	1	©	©	PROPN
easat-10679	29	2	2025	2025	NUM
easat-10679	29	3	by	by	ADP
easat-10679	29	4	the	the	DET
easat-10679	29	5	authors	author	NOUN
easat-10679	29	6	;	;	PUNCT
easat-10679	29	7	licensee	licensee	PROPN
easat-10679	29	8	learning	learn	VERB
easat-10679	29	9	gate	gate	NOUN
easat-10679	29	10	understanding	understanding	NOUN
easat-10679	29	11	of	of	ADP
easat-10679	29	12	how	how	SCONJ
easat-10679	29	13	to	to	PART
easat-10679	29	14	use	use	VERB
easat-10679	29	15	digital	digital	ADJ
easat-10679	29	16	financial	financial	ADJ
easat-10679	29	17	services	service	NOUN
easat-10679	29	18	effectively	effectively	ADV
easat-10679	29	19	.	.	PUNCT
easat-10679	30	1	this	this	DET
easat-10679	30	2	phenomenon	phenomenon	NOUN
easat-10679	30	3	motivates	motivate	VERB
easat-10679	30	4	this	this	DET
easat-10679	30	5	research	research	NOUN
easat-10679	30	6	to	to	PART
easat-10679	30	7	predict	predict	VERB
easat-10679	30	8	the	the	DET
easat-10679	30	9	factors	factor	NOUN
easat-10679	30	10	that	that	PRON
easat-10679	30	11	encourage	encourage	VERB
easat-10679	30	12	gen	gen	PROPN
easat-10679	30	13	z	z	NOUN
easat-10679	30	14	to	to	PART
easat-10679	30	15	use	use	VERB
easat-10679	30	16	mobile	mobile	ADJ
easat-10679	30	17	payments	payment	NOUN
easat-10679	30	18	.	.	PUNCT
easat-10679	31	1	studies	study	NOUN
easat-10679	31	2	in	in	ADP
easat-10679	31	3	several	several	ADJ
easat-10679	31	4	countries	country	NOUN
easat-10679	31	5	have	have	AUX
easat-10679	31	6	been	be	AUX
easat-10679	31	7	conducted	conduct	VERB
easat-10679	31	8	;	;	PUNCT
easat-10679	31	9	for	for	ADP
easat-10679	31	10	example	example	NOUN
easat-10679	31	11	,	,	PUNCT
easat-10679	31	12	a	a	DET
easat-10679	31	13	study	study	NOUN
easat-10679	31	14	in	in	ADP
easat-10679	31	15	malaysia	malaysia	PROPN
easat-10679	31	16	found	find	VERB
easat-10679	31	17	that	that	SCONJ
easat-10679	31	18	peou	peou	ADV
easat-10679	31	19	has	have	VERB
easat-10679	31	20	a	a	DET
easat-10679	31	21	significant	significant	ADJ
easat-10679	31	22	effect	effect	NOUN
easat-10679	31	23	on	on	ADP
easat-10679	31	24	user	user	NOUN
easat-10679	31	25	intention	intention	NOUN
easat-10679	31	26	to	to	PART
easat-10679	31	27	adopt	adopt	VERB
easat-10679	31	28	e	e	NOUN
easat-10679	31	29	-	-	NOUN
easat-10679	31	30	learning	learn	VERB
easat-10679	31	31	among	among	ADP
easat-10679	31	32	university	university	NOUN
easat-10679	31	33	students	student	NOUN
easat-10679	31	34	[	[	X
easat-10679	31	35	1	1	NUM
easat-10679	31	36	]	]	PUNCT
easat-10679	31	37	.	.	PUNCT
easat-10679	32	1	studies	study	NOUN
easat-10679	32	2	in	in	ADP
easat-10679	32	3	iraq	iraq	PROPN
easat-10679	32	4	also	also	ADV
easat-10679	32	5	indicate	indicate	VERB
easat-10679	32	6	the	the	DET
easat-10679	32	7	importance	importance	NOUN
easat-10679	32	8	of	of	ADP
easat-10679	32	9	ease	ease	NOUN
easat-10679	32	10	of	of	ADP
easat-10679	32	11	use	use	NOUN
easat-10679	32	12	of	of	ADP
easat-10679	32	13	e	e	NOUN
easat-10679	32	14	-	-	NOUN
easat-10679	32	15	learning	learn	VERB
easat-10679	32	16	[	[	X
easat-10679	32	17	2	2	NUM
easat-10679	32	18	]	]	PUNCT
easat-10679	32	19	.	.	PUNCT
easat-10679	33	1	peou	peou	PROPN
easat-10679	33	2	also	also	ADV
easat-10679	33	3	contributes	contribute	VERB
easat-10679	33	4	positively	positively	ADV
easat-10679	33	5	to	to	ADP
easat-10679	33	6	the	the	DET
easat-10679	33	7	intention	intention	NOUN
easat-10679	33	8	to	to	PART
easat-10679	33	9	use	use	VERB
easat-10679	33	10	mobile	mobile	ADJ
easat-10679	33	11	banking	banking	NOUN
easat-10679	33	12	applications	application	NOUN
easat-10679	33	13	[	[	X
easat-10679	33	14	3	3	NUM
easat-10679	33	15	]	]	PUNCT
easat-10679	33	16	.	.	PUNCT
easat-10679	34	1	several	several	ADJ
easat-10679	34	2	studies	study	NOUN
easat-10679	34	3	show	show	VERB
easat-10679	34	4	that	that	SCONJ
easat-10679	34	5	perceived	perceive	VERB
easat-10679	34	6	usefulness	usefulness	NOUN
easat-10679	34	7	has	have	VERB
easat-10679	34	8	a	a	DET
easat-10679	34	9	significant	significant	ADJ
easat-10679	34	10	positive	positive	ADJ
easat-10679	34	11	effect	effect	NOUN
easat-10679	34	12	on	on	ADP
easat-10679	34	13	the	the	DET
easat-10679	34	14	intention	intention	NOUN
easat-10679	34	15	to	to	PART
easat-10679	34	16	use	use	VERB
easat-10679	34	17	the	the	DET
easat-10679	34	18	system	system	NOUN
easat-10679	34	19	[	[	X
easat-10679	34	20	4	4	NUM
easat-10679	34	21	-	-	SYM
easat-10679	34	22	6	6	NUM
easat-10679	34	23	]	]	PUNCT
easat-10679	34	24	as	as	ADV
easat-10679	34	25	well	well	ADV
easat-10679	34	26	as	as	ADP
easat-10679	34	27	the	the	DET
easat-10679	34	28	attitude	attitude	NOUN
easat-10679	34	29	to	to	PART
easat-10679	34	30	use	use	VERB
easat-10679	34	31	a	a	DET
easat-10679	34	32	specific	specific	ADJ
easat-10679	34	33	system	system	NOUN
easat-10679	34	34	[	[	X
easat-10679	34	35	7	7	NUM
easat-10679	34	36	,	,	PUNCT
easat-10679	34	37	8	8	NUM
easat-10679	34	38	]	]	PUNCT
easat-10679	34	39	.	.	PUNCT
easat-10679	35	1	for	for	ADP
easat-10679	35	2	example	example	NOUN
easat-10679	35	3	,	,	PUNCT
easat-10679	35	4	research	research	NOUN
easat-10679	35	5	in	in	ADP
easat-10679	35	6	thailand	thailand	PROPN
easat-10679	35	7	found	find	VERB
easat-10679	35	8	that	that	SCONJ
easat-10679	35	9	when	when	SCONJ
easat-10679	35	10	users	user	NOUN
easat-10679	35	11	feel	feel	VERB
easat-10679	35	12	that	that	SCONJ
easat-10679	35	13	new	new	ADJ
easat-10679	35	14	technology	technology	NOUN
easat-10679	35	15	can	can	AUX
easat-10679	35	16	improve	improve	VERB
easat-10679	35	17	their	their	PRON
easat-10679	35	18	work	work	NOUN
easat-10679	35	19	efficiency	efficiency	NOUN
easat-10679	35	20	,	,	PUNCT
easat-10679	35	21	they	they	PRON
easat-10679	35	22	are	be	AUX
easat-10679	35	23	more	more	ADV
easat-10679	35	24	likely	likely	ADJ
easat-10679	35	25	to	to	PART
easat-10679	35	26	adopt	adopt	VERB
easat-10679	35	27	it	it	PRON
easat-10679	36	1	[	[	X
easat-10679	36	2	9	9	NUM
easat-10679	36	3	]	]	PUNCT
easat-10679	36	4	.	.	PUNCT
easat-10679	37	1	these	these	DET
easat-10679	37	2	results	result	NOUN
easat-10679	37	3	are	be	AUX
easat-10679	37	4	consistent	consistent	ADJ
easat-10679	37	5	with	with	ADP
easat-10679	37	6	research	research	NOUN
easat-10679	37	7	conducted	conduct	VERB
easat-10679	37	8	in	in	ADP
easat-10679	37	9	china	china	PROPN
easat-10679	37	10	,	,	PUNCT
easat-10679	37	11	which	which	PRON
easat-10679	37	12	also	also	ADV
easat-10679	37	13	indicates	indicate	VERB
easat-10679	37	14	that	that	SCONJ
easat-10679	37	15	pu	pu	PROPN
easat-10679	37	16	significantly	significantly	ADV
easat-10679	37	17	contributes	contribute	VERB
easat-10679	37	18	to	to	ADP
easat-10679	37	19	users	user	NOUN
easat-10679	37	20	'	'	PART
easat-10679	37	21	intention	intention	NOUN
easat-10679	37	22	to	to	PART
easat-10679	37	23	use	use	VERB
easat-10679	37	24	e	e	NOUN
easat-10679	37	25	-	-	NOUN
easat-10679	37	26	government	government	NOUN
easat-10679	37	27	applications	application	NOUN
easat-10679	37	28	[	[	X
easat-10679	37	29	10	10	NUM
easat-10679	37	30	]	]	PUNCT
easat-10679	37	31	.	.	PUNCT
easat-10679	38	1	studies	study	NOUN
easat-10679	38	2	in	in	ADP
easat-10679	38	3	brazil	brazil	PROPN
easat-10679	38	4	show	show	VERB
easat-10679	38	5	that	that	SCONJ
easat-10679	38	6	although	although	SCONJ
easat-10679	38	7	pu	pu	PROPN
easat-10679	38	8	is	be	AUX
easat-10679	38	9	considered	consider	VERB
easat-10679	38	10	important	important	ADJ
easat-10679	38	11	,	,	PUNCT
easat-10679	38	12	it	it	PRON
easat-10679	38	13	does	do	AUX
easat-10679	38	14	not	not	PART
easat-10679	38	15	have	have	VERB
easat-10679	38	16	a	a	DET
easat-10679	38	17	significant	significant	ADJ
easat-10679	38	18	influence	influence	NOUN
easat-10679	38	19	on	on	ADP
easat-10679	38	20	the	the	DET
easat-10679	38	21	intention	intention	NOUN
easat-10679	38	22	to	to	PART
easat-10679	38	23	use	use	VERB
easat-10679	38	24	elearning	elearning	NOUN
easat-10679	38	25	systems	system	NOUN
easat-10679	38	26	among	among	ADP
easat-10679	38	27	university	university	NOUN
easat-10679	38	28	students	student	NOUN
easat-10679	38	29	[	[	X
easat-10679	38	30	11	11	NUM
easat-10679	38	31	]	]	PUNCT
easat-10679	38	32	.	.	PUNCT
easat-10679	39	1	another	another	DET
easat-10679	39	2	study	study	NOUN
easat-10679	39	3	found	find	VERB
easat-10679	39	4	that	that	SCONJ
easat-10679	39	5	although	although	SCONJ
easat-10679	39	6	users	user	NOUN
easat-10679	39	7	value	value	VERB
easat-10679	39	8	the	the	DET
easat-10679	39	9	technical	technical	ADJ
easat-10679	39	10	quality	quality	NOUN
easat-10679	39	11	of	of	ADP
easat-10679	39	12	an	an	DET
easat-10679	39	13	app	app	NOUN
easat-10679	39	14	,	,	PUNCT
easat-10679	39	15	their	their	PRON
easat-10679	39	16	decision	decision	NOUN
easat-10679	39	17	to	to	PART
easat-10679	39	18	continue	continue	VERB
easat-10679	39	19	using	use	VERB
easat-10679	39	20	the	the	DET
easat-10679	39	21	app	app	NOUN
easat-10679	39	22	is	be	AUX
easat-10679	39	23	influenced	influence	VERB
easat-10679	39	24	more	more	ADV
easat-10679	39	25	by	by	ADP
easat-10679	39	26	overall	overall	ADJ
easat-10679	39	27	user	user	NOUN
easat-10679	39	28	experience	experience	NOUN
easat-10679	39	29	and	and	CCONJ
easat-10679	39	30	satisfaction	satisfaction	NOUN
easat-10679	39	31	than	than	ADP
easat-10679	39	32	just	just	ADV
easat-10679	39	33	the	the	DET
easat-10679	39	34	technical	technical	ADJ
easat-10679	39	35	aspects	aspect	NOUN
easat-10679	39	36	of	of	ADP
easat-10679	39	37	system	system	NOUN
easat-10679	39	38	quality	quality	NOUN
easat-10679	39	39	[	[	X
easat-10679	39	40	12	12	NUM
easat-10679	39	41	]	]	PUNCT
easat-10679	39	42	.	.	PUNCT
easat-10679	40	1	european	european	ADJ
easat-10679	40	2	studies	study	NOUN
easat-10679	40	3	show	show	VERB
easat-10679	40	4	that	that	SCONJ
easat-10679	40	5	even	even	ADV
easat-10679	40	6	if	if	SCONJ
easat-10679	40	7	the	the	DET
easat-10679	40	8	technical	technical	ADJ
easat-10679	40	9	quality	quality	NOUN
easat-10679	40	10	of	of	ADP
easat-10679	40	11	an	an	DET
easat-10679	40	12	e	e	NOUN
easat-10679	40	13	-	-	ADJ
easat-10679	40	14	learning	learning	ADJ
easat-10679	40	15	platform	platform	NOUN
easat-10679	40	16	is	be	AUX
easat-10679	40	17	very	very	ADV
easat-10679	40	18	good	good	ADJ
easat-10679	40	19	,	,	PUNCT
easat-10679	40	20	it	it	PRON
easat-10679	40	21	is	be	AUX
easat-10679	40	22	not	not	PART
easat-10679	40	23	an	an	DET
easat-10679	40	24	indication	indication	NOUN
easat-10679	40	25	of	of	ADP
easat-10679	40	26	users	user	NOUN
easat-10679	40	27	'	'	PART
easat-10679	40	28	intention	intention	NOUN
easat-10679	40	29	to	to	PART
easat-10679	40	30	continue	continue	VERB
easat-10679	40	31	using	use	VERB
easat-10679	40	32	the	the	DET
easat-10679	40	33	platform	platform	NOUN
easat-10679	40	34	[	[	X
easat-10679	40	35	13	13	NUM
easat-10679	40	36	]	]	PUNCT
easat-10679	40	37	.	.	PUNCT
easat-10679	41	1	to	to	PART
easat-10679	41	2	fill	fill	VERB
easat-10679	41	3	the	the	DET
easat-10679	41	4	gap	gap	NOUN
easat-10679	41	5	in	in	ADP
easat-10679	41	6	previous	previous	ADJ
easat-10679	41	7	studies	study	NOUN
easat-10679	41	8	,	,	PUNCT
easat-10679	41	9	this	this	DET
easat-10679	41	10	research	research	NOUN
easat-10679	41	11	was	be	AUX
easat-10679	41	12	conducted	conduct	VERB
easat-10679	41	13	by	by	ADP
easat-10679	41	14	predicting	predict	VERB
easat-10679	41	15	the	the	DET
easat-10679	41	16	internal	internal	ADJ
easat-10679	41	17	factors	factor	NOUN
easat-10679	41	18	that	that	PRON
easat-10679	41	19	encourage	encourage	VERB
easat-10679	41	20	the	the	DET
easat-10679	41	21	adoption	adoption	NOUN
easat-10679	41	22	of	of	ADP
easat-10679	41	23	mobile	mobile	ADJ
easat-10679	41	24	payments	payment	NOUN
easat-10679	41	25	,	,	PUNCT
easat-10679	41	26	as	as	SCONJ
easat-10679	41	27	seen	see	VERB
easat-10679	41	28	from	from	ADP
easat-10679	41	29	the	the	DET
easat-10679	41	30	perceived	perceive	VERB
easat-10679	41	31	ease	ease	NOUN
easat-10679	41	32	and	and	CCONJ
easat-10679	41	33	perceived	perceive	VERB
easat-10679	41	34	benefits	benefit	NOUN
easat-10679	41	35	of	of	ADP
easat-10679	41	36	using	use	VERB
easat-10679	41	37	mobile	mobile	ADJ
easat-10679	41	38	payments	payment	NOUN
easat-10679	41	39	.	.	PUNCT
easat-10679	42	1	the	the	DET
easat-10679	42	2	cashless	cashless	NOUN
easat-10679	42	3	payment	payment	NOUN
easat-10679	42	4	system	system	NOUN
easat-10679	42	5	has	have	VERB
easat-10679	42	6	the	the	DET
easat-10679	42	7	potential	potential	NOUN
easat-10679	42	8	to	to	PART
easat-10679	42	9	boost	boost	VERB
easat-10679	42	10	economic	economic	ADJ
easat-10679	42	11	growth	growth	NOUN
easat-10679	42	12	through	through	ADP
easat-10679	42	13	increased	increase	VERB
easat-10679	42	14	tax	tax	NOUN
easat-10679	42	15	revenue	revenue	NOUN
easat-10679	42	16	[	[	X
easat-10679	42	17	14	14	NUM
easat-10679	42	18	]	]	PUNCT
easat-10679	42	19	.	.	PUNCT
easat-10679	43	1	with	with	ADP
easat-10679	43	2	more	more	ADJ
easat-10679	43	3	transactions	transaction	NOUN
easat-10679	43	4	digitally	digitally	ADV
easat-10679	43	5	recorded	record	VERB
easat-10679	43	6	,	,	PUNCT
easat-10679	43	7	the	the	DET
easat-10679	43	8	government	government	NOUN
easat-10679	43	9	can	can	AUX
easat-10679	43	10	improve	improve	VERB
easat-10679	43	11	its	its	PRON
easat-10679	43	12	monitoring	monitoring	NOUN
easat-10679	43	13	of	of	ADP
easat-10679	43	14	tax	tax	NOUN
easat-10679	43	15	compliance	compliance	NOUN
easat-10679	43	16	.	.	PUNCT
easat-10679	44	1	in	in	ADP
easat-10679	44	2	addition	addition	NOUN
easat-10679	44	3	,	,	PUNCT
easat-10679	44	4	this	this	DET
easat-10679	44	5	study	study	NOUN
easat-10679	44	6	identified	identify	VERB
easat-10679	44	7	system	system	NOUN
easat-10679	44	8	aspects	aspect	NOUN
easat-10679	44	9	based	base	VERB
easat-10679	44	10	on	on	ADP
easat-10679	44	11	system	system	NOUN
easat-10679	44	12	quality	quality	NOUN
easat-10679	44	13	and	and	CCONJ
easat-10679	44	14	mobile	mobile	ADJ
easat-10679	44	15	banking	banking	NOUN
easat-10679	44	16	service	service	NOUN
easat-10679	44	17	quality	quality	NOUN
easat-10679	44	18	.	.	PUNCT
easat-10679	45	1	this	this	DET
easat-10679	45	2	research	research	NOUN
easat-10679	45	3	contributes	contribute	VERB
easat-10679	45	4	to	to	ADP
easat-10679	45	5	the	the	DET
easat-10679	45	6	literature	literature	NOUN
easat-10679	45	7	by	by	ADP
easat-10679	45	8	developing	develop	VERB
easat-10679	45	9	the	the	DET
easat-10679	45	10	technology	technology	NOUN
easat-10679	45	11	acceptance	acceptance	NOUN
easat-10679	45	12	model	model	NOUN
easat-10679	45	13	(	(	PUNCT
easat-10679	45	14	tam	tam	PROPN
easat-10679	45	15	)	)	PUNCT
easat-10679	45	16	with	with	ADP
easat-10679	45	17	the	the	DET
easat-10679	45	18	delone	delone	NOUN
easat-10679	45	19	and	and	CCONJ
easat-10679	45	20	mclean	mclean	PROPN
easat-10679	45	21	information	information	NOUN
easat-10679	45	22	system	system	NOUN
easat-10679	45	23	success	success	NOUN
easat-10679	45	24	model	model	NOUN
easat-10679	45	25	[	[	X
easat-10679	45	26	15	15	NUM
easat-10679	45	27	]	]	SYM
easat-10679	45	28	.	.	PUNCT
easat-10679	46	1	2	2	X
easat-10679	46	2	.	.	X
easat-10679	46	3	literature	literature	NOUN
easat-10679	46	4	review	review	PROPN
easat-10679	46	5	and	and	CCONJ
easat-10679	46	6	hypothesis	hypothesis	NOUN
easat-10679	46	7	development	development	NOUN
easat-10679	46	8	2.1	2.1	NUM
easat-10679	46	9	.	.	PUNCT
easat-10679	47	1	technology	technology	NOUN
easat-10679	47	2	acceptance	acceptance	NOUN
easat-10679	47	3	model	model	NOUN
easat-10679	47	4	(	(	PUNCT
easat-10679	47	5	tam	tam	PROPN
easat-10679	47	6	)	)	PUNCT
easat-10679	47	7	the	the	DET
easat-10679	47	8	technology	technology	NOUN
easat-10679	47	9	acceptance	acceptance	NOUN
easat-10679	47	10	model	model	NOUN
easat-10679	47	11	(	(	PUNCT
easat-10679	47	12	tam	tam	PROPN
easat-10679	47	13	)	)	PUNCT
easat-10679	47	14	was	be	AUX
easat-10679	47	15	developed	develop	VERB
easat-10679	47	16	by	by	ADP
easat-10679	47	17	davis	davis	PROPN
easat-10679	48	1	[	[	X
easat-10679	48	2	16	16	NUM
easat-10679	48	3	]	]	PUNCT
easat-10679	48	4	and	and	CCONJ
easat-10679	48	5	emphasizes	emphasize	VERB
easat-10679	48	6	two	two	NUM
easat-10679	48	7	main	main	ADJ
easat-10679	48	8	factors	factor	NOUN
easat-10679	48	9	that	that	PRON
easat-10679	48	10	influence	influence	VERB
easat-10679	48	11	a	a	DET
easat-10679	48	12	person	person	NOUN
easat-10679	48	13	's	's	PART
easat-10679	48	14	decision	decision	NOUN
easat-10679	48	15	to	to	PART
easat-10679	48	16	accept	accept	VERB
easat-10679	48	17	new	new	ADJ
easat-10679	48	18	technology	technology	NOUN
easat-10679	48	19	,	,	PUNCT
easat-10679	48	20	namely	namely	ADV
easat-10679	48	21	perceived	perceive	VERB
easat-10679	48	22	usefulness	usefulness	NOUN
easat-10679	48	23	and	and	CCONJ
easat-10679	48	24	perceived	perceive	VERB
easat-10679	48	25	ease	ease	NOUN
easat-10679	48	26	of	of	ADP
easat-10679	48	27	use	use	NOUN
easat-10679	48	28	.	.	PUNCT
easat-10679	49	1	these	these	DET
easat-10679	49	2	factors	factor	NOUN
easat-10679	49	3	relate	relate	VERB
easat-10679	49	4	to	to	ADP
easat-10679	49	5	the	the	DET
easat-10679	49	6	ease	ease	NOUN
easat-10679	49	7	of	of	ADP
easat-10679	49	8	use	use	NOUN
easat-10679	49	9	of	of	ADP
easat-10679	49	10	the	the	DET
easat-10679	49	11	system	system	NOUN
easat-10679	49	12	and	and	CCONJ
easat-10679	49	13	how	how	SCONJ
easat-10679	49	14	much	much	ADJ
easat-10679	49	15	a	a	DET
easat-10679	49	16	person	person	NOUN
easat-10679	49	17	believes	believe	VERB
easat-10679	49	18	that	that	SCONJ
easat-10679	49	19	using	use	VERB
easat-10679	49	20	a	a	DET
easat-10679	49	21	particular	particular	ADJ
easat-10679	49	22	technology	technology	NOUN
easat-10679	49	23	will	will	AUX
easat-10679	49	24	improve	improve	VERB
easat-10679	49	25	their	their	PRON
easat-10679	49	26	performance	performance	NOUN
easat-10679	49	27	or	or	CCONJ
easat-10679	49	28	productivity	productivity	NOUN
easat-10679	49	29	.	.	PUNCT
easat-10679	50	1	the	the	DET
easat-10679	50	2	model	model	NOUN
easat-10679	50	3	states	state	VERB
easat-10679	50	4	that	that	SCONJ
easat-10679	50	5	if	if	SCONJ
easat-10679	50	6	someone	someone	PRON
easat-10679	50	7	considers	consider	VERB
easat-10679	50	8	the	the	DET
easat-10679	50	9	technology	technology	NOUN
easat-10679	50	10	useful	useful	ADJ
easat-10679	50	11	and	and	CCONJ
easat-10679	50	12	easy	easy	ADJ
easat-10679	50	13	to	to	PART
easat-10679	50	14	use	use	VERB
easat-10679	50	15	,	,	PUNCT
easat-10679	50	16	then	then	ADV
easat-10679	50	17	they	they	PRON
easat-10679	50	18	are	be	AUX
easat-10679	50	19	likely	likely	ADJ
easat-10679	50	20	to	to	PART
easat-10679	50	21	accept	accept	VERB
easat-10679	50	22	it	it	PRON
easat-10679	50	23	.	.	PUNCT
easat-10679	51	1	in	in	ADP
easat-10679	51	2	other	other	ADJ
easat-10679	51	3	words	word	NOUN
easat-10679	51	4	,	,	PUNCT
easat-10679	51	5	the	the	PRON
easat-10679	51	6	higher	high	ADJ
easat-10679	51	7	the	the	DET
easat-10679	51	8	level	level	NOUN
easat-10679	51	9	of	of	ADP
easat-10679	51	10	perceived	perceive	VERB
easat-10679	51	11	usefulness	usefulness	NOUN
easat-10679	51	12	and	and	CCONJ
easat-10679	51	13	perceived	perceive	VERB
easat-10679	51	14	ease	ease	NOUN
easat-10679	51	15	of	of	ADP
easat-10679	51	16	use	use	NOUN
easat-10679	51	17	,	,	PUNCT
easat-10679	51	18	the	the	PRON
easat-10679	51	19	more	more	ADV
easat-10679	51	20	positive	positive	ADJ
easat-10679	51	21	the	the	DET
easat-10679	51	22	user	user	NOUN
easat-10679	51	23	's	's	PART
easat-10679	51	24	attitude	attitude	NOUN
easat-10679	51	25	towards	towards	ADP
easat-10679	51	26	the	the	DET
easat-10679	51	27	technology	technology	NOUN
easat-10679	51	28	,	,	PUNCT
easat-10679	51	29	which	which	PRON
easat-10679	51	30	in	in	ADP
easat-10679	51	31	turn	turn	NOUN
easat-10679	51	32	affects	affect	VERB
easat-10679	51	33	their	their	PRON
easat-10679	51	34	intention	intention	NOUN
easat-10679	51	35	to	to	PART
easat-10679	51	36	use	use	VERB
easat-10679	51	37	it	it	PRON
easat-10679	51	38	.	.	PUNCT
easat-10679	52	1	2.2	2.2	NUM
easat-10679	52	2	.	.	PUNCT
easat-10679	52	3	perceived	perceive	VERB
easat-10679	52	4	ease	ease	NOUN
easat-10679	52	5	of	of	ADP
easat-10679	52	6	use	use	NOUN
easat-10679	52	7	and	and	CCONJ
easat-10679	52	8	intention	intention	NOUN
easat-10679	52	9	to	to	PART
easat-10679	52	10	use	use	VERB
easat-10679	52	11	mobile	mobile	ADJ
easat-10679	52	12	payment	payment	NOUN
easat-10679	52	13	perceived	perceive	VERB
easat-10679	52	14	ease	ease	NOUN
easat-10679	52	15	of	of	ADP
easat-10679	52	16	use	use	NOUN
easat-10679	52	17	relates	relate	VERB
easat-10679	52	18	to	to	ADP
easat-10679	52	19	a	a	DET
easat-10679	52	20	person	person	NOUN
easat-10679	52	21	's	's	PART
easat-10679	52	22	belief	belief	NOUN
easat-10679	52	23	that	that	SCONJ
easat-10679	52	24	a	a	DET
easat-10679	52	25	particular	particular	ADJ
easat-10679	52	26	technology	technology	NOUN
easat-10679	52	27	can	can	AUX
easat-10679	52	28	be	be	AUX
easat-10679	52	29	used	use	VERB
easat-10679	52	30	.	.	PUNCT
easat-10679	53	1	if	if	SCONJ
easat-10679	53	2	users	user	NOUN
easat-10679	53	3	feel	feel	VERB
easat-10679	53	4	that	that	SCONJ
easat-10679	53	5	a	a	DET
easat-10679	53	6	technology	technology	NOUN
easat-10679	53	7	is	be	AUX
easat-10679	53	8	easy	easy	ADJ
easat-10679	53	9	to	to	PART
easat-10679	53	10	use	use	VERB
easat-10679	53	11	,	,	PUNCT
easat-10679	53	12	they	they	PRON
easat-10679	53	13	will	will	AUX
easat-10679	53	14	be	be	AUX
easat-10679	53	15	more	more	ADV
easat-10679	53	16	likely	likely	ADJ
easat-10679	53	17	to	to	PART
easat-10679	53	18	use	use	VERB
easat-10679	53	19	it	it	PRON
easat-10679	53	20	.	.	PUNCT
easat-10679	54	1	intention	intention	NOUN
easat-10679	54	2	to	to	PART
easat-10679	54	3	use	use	VERB
easat-10679	54	4	technology	technology	NOUN
easat-10679	54	5	refers	refer	VERB
easat-10679	54	6	to	to	ADP
easat-10679	54	7	the	the	DET
easat-10679	54	8	user	user	NOUN
easat-10679	54	9	's	's	PART
easat-10679	54	10	desire	desire	NOUN
easat-10679	54	11	or	or	CCONJ
easat-10679	54	12	plan	plan	VERB
easat-10679	54	13	to	to	PART
easat-10679	54	14	use	use	VERB
easat-10679	54	15	the	the	DET
easat-10679	54	16	technology	technology	NOUN
easat-10679	54	17	in	in	ADP
easat-10679	54	18	the	the	DET
easat-10679	54	19	future	future	NOUN
easat-10679	54	20	.	.	PUNCT
easat-10679	55	1	if	if	SCONJ
easat-10679	55	2	a	a	DET
easat-10679	55	3	person	person	NOUN
easat-10679	55	4	is	be	AUX
easat-10679	55	5	comfortable	comfortable	ADJ
easat-10679	55	6	with	with	ADP
easat-10679	55	7	the	the	DET
easat-10679	55	8	technology	technology	NOUN
easat-10679	55	9	and	and	CCONJ
easat-10679	55	10	finds	find	VERB
easat-10679	55	11	it	it	PRON
easat-10679	55	12	easy	easy	ADJ
easat-10679	55	13	to	to	PART
easat-10679	55	14	use	use	VERB
easat-10679	55	15	,	,	PUNCT
easat-10679	55	16	their	their	PRON
easat-10679	55	17	intention	intention	NOUN
easat-10679	55	18	to	to	PART
easat-10679	55	19	use	use	VERB
easat-10679	55	20	the	the	DET
easat-10679	55	21	technology	technology	NOUN
easat-10679	55	22	is	be	AUX
easat-10679	55	23	likely	likely	ADJ
easat-10679	55	24	to	to	PART
easat-10679	55	25	increase	increase	VERB
easat-10679	55	26	.	.	PUNCT
easat-10679	56	1	users	user	NOUN
easat-10679	56	2	who	who	PRON
easat-10679	56	3	find	find	VERB
easat-10679	56	4	mobile	mobile	ADJ
easat-10679	56	5	payment	payment	NOUN
easat-10679	56	6	apps	app	NOUN
easat-10679	56	7	easy	easy	ADJ
easat-10679	56	8	to	to	PART
easat-10679	56	9	learn	learn	VERB
easat-10679	56	10	and	and	CCONJ
easat-10679	56	11	use	use	NOUN
easat-10679	56	12	are	be	AUX
easat-10679	56	13	likely	likely	ADJ
easat-10679	56	14	to	to	PART
easat-10679	56	15	have	have	VERB
easat-10679	56	16	a	a	DET
easat-10679	56	17	positive	positive	ADJ
easat-10679	56	18	experience	experience	NOUN
easat-10679	56	19	,	,	PUNCT
easat-10679	56	20	which	which	PRON
easat-10679	56	21	then	then	ADV
easat-10679	56	22	increases	increase	VERB
easat-10679	56	23	their	their	PRON
easat-10679	56	24	intention	intention	NOUN
easat-10679	56	25	to	to	PART
easat-10679	56	26	continue	continue	VERB
easat-10679	56	27	using	use	VERB
easat-10679	56	28	the	the	DET
easat-10679	56	29	technology	technology	NOUN
easat-10679	56	30	.	.	PUNCT
easat-10679	57	1	when	when	SCONJ
easat-10679	57	2	technology	technology	NOUN
easat-10679	57	3	is	be	AUX
easat-10679	57	4	easy	easy	ADJ
easat-10679	57	5	to	to	PART
easat-10679	57	6	use	use	VERB
easat-10679	57	7	,	,	PUNCT
easat-10679	57	8	barriers	barrier	NOUN
easat-10679	57	9	or	or	CCONJ
easat-10679	57	10	hurdles	hurdle	NOUN
easat-10679	57	11	that	that	PRON
easat-10679	57	12	might	might	AUX
easat-10679	57	13	prevent	prevent	VERB
easat-10679	57	14	users	user	NOUN
easat-10679	57	15	from	from	ADP
easat-10679	57	16	trying	try	VERB
easat-10679	57	17	or	or	CCONJ
easat-10679	57	18	continuing	continue	VERB
easat-10679	57	19	to	to	PART
easat-10679	57	20	use	use	VERB
easat-10679	57	21	the	the	DET
easat-10679	57	22	technology	technology	NOUN
easat-10679	57	23	are	be	AUX
easat-10679	57	24	reduced	reduce	VERB
easat-10679	57	25	.	.	PUNCT
easat-10679	58	1	for	for	ADP
easat-10679	58	2	example	example	NOUN
easat-10679	58	3	,	,	PUNCT
easat-10679	58	4	if	if	SCONJ
easat-10679	58	5	a	a	DET
easat-10679	58	6	mobile	mobile	ADJ
easat-10679	58	7	payment	payment	NOUN
easat-10679	58	8	app	app	NOUN
easat-10679	58	9	has	have	VERB
easat-10679	58	10	a	a	DET
easat-10679	58	11	simple	simple	ADJ
easat-10679	58	12	and	and	CCONJ
easat-10679	58	13	fast	fast	ADJ
easat-10679	58	14	payment	payment	NOUN
easat-10679	58	15	process	process	NOUN
easat-10679	58	16	,	,	PUNCT
easat-10679	58	17	users	user	NOUN
easat-10679	58	18	will	will	AUX
easat-10679	58	19	be	be	AUX
easat-10679	58	20	more	more	ADV
easat-10679	58	21	motivated	motivated	ADJ
easat-10679	58	22	to	to	PART
easat-10679	58	23	use	use	VERB
easat-10679	58	24	it	it	PRON
easat-10679	58	25	regularly	regularly	ADV
easat-10679	58	26	.	.	PUNCT
easat-10679	59	1	the	the	PRON
easat-10679	59	2	easier	easy	ADJ
easat-10679	59	3	a	a	DET
easat-10679	59	4	technology	technology	NOUN
easat-10679	59	5	is	be	AUX
easat-10679	59	6	to	to	PART
easat-10679	59	7	use	use	VERB
easat-10679	59	8	,	,	PUNCT
easat-10679	59	9	the	the	PRON
easat-10679	59	10	more	more	ADV
easat-10679	59	11	likely	likely	ADJ
easat-10679	59	12	it	it	PRON
easat-10679	59	13	is	be	AUX
easat-10679	59	14	to	to	PART
easat-10679	59	15	be	be	AUX
easat-10679	59	16	adopted	adopt	VERB
easat-10679	59	17	by	by	ADP
easat-10679	59	18	a	a	DET
easat-10679	59	19	wide	wide	ADJ
easat-10679	59	20	range	range	NOUN
easat-10679	59	21	of	of	ADP
easat-10679	59	22	users	user	NOUN
easat-10679	59	23	,	,	PUNCT
easat-10679	59	24	including	include	VERB
easat-10679	59	25	those	those	PRON
easat-10679	59	26	who	who	PRON
easat-10679	59	27	may	may	AUX
easat-10679	59	28	be	be	AUX
easat-10679	59	29	less	less	ADV
easat-10679	59	30	familiar	familiar	ADJ
easat-10679	59	31	with	with	ADP
easat-10679	59	32	the	the	DET
easat-10679	59	33	technology	technology	NOUN
easat-10679	59	34	.	.	PUNCT
easat-10679	60	1	previous	previous	ADJ
easat-10679	60	2	studies	study	NOUN
easat-10679	60	3	prove	prove	VERB
easat-10679	60	4	that	that	SCONJ
easat-10679	60	5	perceived	perceive	VERB
easat-10679	60	6	ease	ease	NOUN
easat-10679	60	7	of	of	ADP
easat-10679	60	8	use	use	NOUN
easat-10679	60	9	has	have	VERB
easat-10679	60	10	a	a	DET
easat-10679	60	11	positive	positive	ADJ
easat-10679	60	12	effect	effect	NOUN
easat-10679	60	13	on	on	ADP
easat-10679	60	14	the	the	DET
easat-10679	60	15	intention	intention	NOUN
easat-10679	60	16	to	to	PART
easat-10679	60	17	use	use	VERB
easat-10679	60	18	the	the	DET
easat-10679	60	19	system	system	NOUN
easat-10679	60	20	[	[	X
easat-10679	60	21	17	17	NUM
easat-10679	60	22	-	-	SYM
easat-10679	60	23	19	19	NUM
easat-10679	60	24	]	]	PUNCT
easat-10679	60	25	.	.	PUNCT
easat-10679	61	1	h1	h1	PROPN
easat-10679	61	2	:	:	PUNCT
easat-10679	61	3	perceived	perceive	VERB
easat-10679	61	4	ease	ease	NOUN
easat-10679	61	5	of	of	ADP
easat-10679	61	6	use	use	NOUN
easat-10679	61	7	has	have	VERB
easat-10679	61	8	a	a	DET
easat-10679	61	9	positive	positive	ADJ
easat-10679	61	10	effect	effect	NOUN
easat-10679	61	11	on	on	ADP
easat-10679	61	12	the	the	DET
easat-10679	61	13	intention	intention	NOUN
easat-10679	61	14	to	to	PART
easat-10679	61	15	use	use	VERB
easat-10679	61	16	mobile	mobile	ADJ
easat-10679	61	17	payment	payment	NOUN
easat-10679	61	18	1451	1451	NUM
easat-10679	61	19	edelweiss	edelweiss	PROPN
easat-10679	61	20	applied	apply	VERB
easat-10679	61	21	science	science	NOUN
easat-10679	61	22	and	and	CCONJ
easat-10679	61	23	technology	technology	NOUN
easat-10679	61	24	issn	issn	PROPN
easat-10679	61	25	:	:	PUNCT
easat-10679	61	26	2576	2576	NUM
easat-10679	61	27	-	-	SYM
easat-10679	61	28	8484	8484	NUM
easat-10679	61	29	vol	vol	NOUN
easat-10679	61	30	.	.	PROPN
easat-10679	62	1	9	9	NUM
easat-10679	62	2	,	,	PUNCT
easat-10679	62	3	no	no	INTJ
easat-10679	62	4	.	.	NOUN
easat-10679	62	5	10	10	NUM
easat-10679	62	6	:	:	SYM
easat-10679	62	7	1449	1449	NUM
easat-10679	62	8	-	-	SYM
easat-10679	62	9	1458	1458	NUM
easat-10679	62	10	,	,	PUNCT
easat-10679	62	11	2025	2025	NUM
easat-10679	62	12	doi	doi	NOUN
easat-10679	62	13	:	:	PUNCT
easat-10679	62	14	10.55214/2576	10.55214/2576	NUM
easat-10679	62	15	-	-	SYM
easat-10679	62	16	8484.v9i10.10679	8484.v9i10.10679	NUM
easat-10679	63	1	©	©	PROPN
easat-10679	63	2	2025	2025	NUM
easat-10679	63	3	by	by	ADP
easat-10679	63	4	the	the	DET
easat-10679	63	5	authors	author	NOUN
easat-10679	63	6	;	;	PUNCT
easat-10679	63	7	licensee	licensee	PROPN
easat-10679	63	8	learning	learning	NOUN
easat-10679	63	9	gate	gate	NOUN
easat-10679	63	10	2.3	2.3	NUM
easat-10679	63	11	.	.	PUNCT
easat-10679	64	1	perceived	perceive	VERB
easat-10679	64	2	usefulness	usefulness	NOUN
easat-10679	64	3	and	and	CCONJ
easat-10679	64	4	intention	intention	NOUN
easat-10679	64	5	to	to	PART
easat-10679	64	6	use	use	VERB
easat-10679	64	7	mobile	mobile	ADJ
easat-10679	64	8	payment	payment	NOUN
easat-10679	64	9	perceived	perceive	VERB
easat-10679	64	10	usefulness	usefulness	NOUN
easat-10679	64	11	refers	refer	VERB
easat-10679	64	12	to	to	ADP
easat-10679	64	13	the	the	DET
easat-10679	64	14	degree	degree	NOUN
easat-10679	64	15	to	to	PART
easat-10679	64	16	which	which	PRON
easat-10679	64	17	users	user	NOUN
easat-10679	64	18	believe	believe	VERB
easat-10679	64	19	that	that	SCONJ
easat-10679	64	20	using	use	VERB
easat-10679	64	21	a	a	DET
easat-10679	64	22	particular	particular	ADJ
easat-10679	64	23	technology	technology	NOUN
easat-10679	64	24	will	will	AUX
easat-10679	64	25	improve	improve	VERB
easat-10679	64	26	their	their	PRON
easat-10679	64	27	performance	performance	NOUN
easat-10679	64	28	or	or	CCONJ
easat-10679	64	29	productivity	productivity	NOUN
easat-10679	64	30	.	.	PUNCT
easat-10679	65	1	in	in	ADP
easat-10679	65	2	the	the	DET
easat-10679	65	3	context	context	NOUN
easat-10679	65	4	of	of	ADP
easat-10679	65	5	mobile	mobile	ADJ
easat-10679	65	6	payments	payment	NOUN
easat-10679	65	7	,	,	PUNCT
easat-10679	65	8	this	this	PRON
easat-10679	65	9	could	could	AUX
easat-10679	65	10	mean	mean	VERB
easat-10679	65	11	how	how	SCONJ
easat-10679	65	12	much	much	ADJ
easat-10679	65	13	users	user	NOUN
easat-10679	65	14	believe	believe	VERB
easat-10679	65	15	that	that	SCONJ
easat-10679	65	16	mobile	mobile	ADJ
easat-10679	65	17	payments	payment	NOUN
easat-10679	65	18	will	will	AUX
easat-10679	65	19	make	make	VERB
easat-10679	65	20	their	their	PRON
easat-10679	65	21	transactions	transaction	NOUN
easat-10679	65	22	more	more	ADV
easat-10679	65	23	efficient	efficient	ADJ
easat-10679	65	24	and	and	CCONJ
easat-10679	65	25	convenient	convenient	ADJ
easat-10679	65	26	than	than	ADP
easat-10679	65	27	traditional	traditional	ADJ
easat-10679	65	28	payment	payment	NOUN
easat-10679	65	29	methods	method	NOUN
easat-10679	65	30	.	.	PUNCT
easat-10679	66	1	if	if	SCONJ
easat-10679	66	2	users	user	NOUN
easat-10679	66	3	believe	believe	VERB
easat-10679	66	4	that	that	SCONJ
easat-10679	66	5	the	the	DET
easat-10679	66	6	technology	technology	NOUN
easat-10679	66	7	will	will	AUX
easat-10679	66	8	be	be	AUX
easat-10679	66	9	beneficial	beneficial	ADJ
easat-10679	66	10	to	to	ADP
easat-10679	66	11	them	they	PRON
easat-10679	66	12	,	,	PUNCT
easat-10679	66	13	their	their	PRON
easat-10679	66	14	intention	intention	NOUN
easat-10679	66	15	to	to	PART
easat-10679	66	16	use	use	VERB
easat-10679	66	17	the	the	DET
easat-10679	66	18	technology	technology	NOUN
easat-10679	66	19	is	be	AUX
easat-10679	66	20	likely	likely	ADJ
easat-10679	66	21	to	to	PART
easat-10679	66	22	increase	increase	VERB
easat-10679	66	23	.	.	PUNCT
easat-10679	67	1	if	if	SCONJ
easat-10679	67	2	users	user	NOUN
easat-10679	67	3	feel	feel	VERB
easat-10679	67	4	that	that	SCONJ
easat-10679	67	5	mobile	mobile	ADJ
easat-10679	67	6	payments	payment	NOUN
easat-10679	67	7	allow	allow	VERB
easat-10679	67	8	them	they	PRON
easat-10679	67	9	to	to	PART
easat-10679	67	10	complete	complete	VERB
easat-10679	67	11	transactions	transaction	NOUN
easat-10679	67	12	more	more	ADV
easat-10679	67	13	quickly	quickly	ADV
easat-10679	67	14	and	and	CCONJ
easat-10679	67	15	easily	easily	ADV
easat-10679	67	16	,	,	PUNCT
easat-10679	67	17	they	they	PRON
easat-10679	67	18	will	will	AUX
easat-10679	67	19	be	be	AUX
easat-10679	67	20	more	more	ADV
easat-10679	67	21	inclined	inclined	ADJ
easat-10679	67	22	to	to	PART
easat-10679	67	23	use	use	VERB
easat-10679	67	24	them	they	PRON
easat-10679	67	25	.	.	PUNCT
easat-10679	68	1	for	for	ADP
easat-10679	68	2	example	example	NOUN
easat-10679	68	3	,	,	PUNCT
easat-10679	68	4	the	the	DET
easat-10679	68	5	use	use	NOUN
easat-10679	68	6	of	of	ADP
easat-10679	68	7	e	e	NOUN
easat-10679	68	8	-	-	NOUN
easat-10679	68	9	wallets	wallet	NOUN
easat-10679	68	10	that	that	PRON
easat-10679	68	11	are	be	AUX
easat-10679	68	12	fast	fast	ADJ
easat-10679	68	13	and	and	CCONJ
easat-10679	68	14	do	do	AUX
easat-10679	68	15	not	not	PART
easat-10679	68	16	require	require	VERB
easat-10679	68	17	cash	cash	NOUN
easat-10679	68	18	can	can	AUX
easat-10679	68	19	reduce	reduce	VERB
easat-10679	68	20	the	the	DET
easat-10679	68	21	time	time	NOUN
easat-10679	68	22	required	require	VERB
easat-10679	68	23	to	to	PART
easat-10679	68	24	make	make	VERB
easat-10679	68	25	payments	payment	NOUN
easat-10679	68	26	.	.	PUNCT
easat-10679	69	1	users	user	NOUN
easat-10679	69	2	who	who	PRON
easat-10679	69	3	feel	feel	VERB
easat-10679	69	4	that	that	SCONJ
easat-10679	69	5	mobile	mobile	ADJ
easat-10679	69	6	payments	payment	NOUN
easat-10679	69	7	offer	offer	VERB
easat-10679	69	8	more	more	ADJ
easat-10679	69	9	convenience	convenience	NOUN
easat-10679	69	10	,	,	PUNCT
easat-10679	69	11	such	such	ADJ
easat-10679	69	12	as	as	ADP
easat-10679	69	13	the	the	DET
easat-10679	69	14	ability	ability	NOUN
easat-10679	69	15	to	to	PART
easat-10679	69	16	pay	pay	VERB
easat-10679	69	17	bills	bill	NOUN
easat-10679	69	18	or	or	CCONJ
easat-10679	69	19	shop	shop	NOUN
easat-10679	69	20	online	online	ADV
easat-10679	69	21	without	without	ADP
easat-10679	69	22	having	have	VERB
easat-10679	69	23	to	to	PART
easat-10679	69	24	carry	carry	VERB
easat-10679	69	25	physical	physical	ADJ
easat-10679	69	26	cash	cash	NOUN
easat-10679	69	27	or	or	CCONJ
easat-10679	69	28	cards	card	NOUN
easat-10679	69	29	,	,	PUNCT
easat-10679	69	30	will	will	AUX
easat-10679	69	31	be	be	AUX
easat-10679	69	32	more	more	ADV
easat-10679	69	33	likely	likely	ADJ
easat-10679	69	34	to	to	PART
easat-10679	69	35	use	use	VERB
easat-10679	69	36	them	they	PRON
easat-10679	69	37	.	.	PUNCT
easat-10679	70	1	mobile	mobile	ADJ
easat-10679	70	2	payment	payment	NOUN
easat-10679	70	3	technologies	technology	NOUN
easat-10679	70	4	that	that	PRON
easat-10679	70	5	allow	allow	VERB
easat-10679	70	6	users	user	NOUN
easat-10679	70	7	to	to	PART
easat-10679	70	8	make	make	VERB
easat-10679	70	9	transactions	transaction	NOUN
easat-10679	70	10	anytime	anytime	ADV
easat-10679	70	11	and	and	CCONJ
easat-10679	70	12	anywhere	anywhere	ADV
easat-10679	70	13	,	,	PUNCT
easat-10679	70	14	even	even	ADV
easat-10679	70	15	in	in	ADP
easat-10679	70	16	places	place	NOUN
easat-10679	70	17	that	that	PRON
easat-10679	70	18	do	do	AUX
easat-10679	70	19	not	not	PART
easat-10679	70	20	have	have	VERB
easat-10679	70	21	atm	atm	NOUN
easat-10679	70	22	machines	machine	NOUN
easat-10679	70	23	or	or	CCONJ
easat-10679	70	24	credit	credit	NOUN
easat-10679	70	25	card	card	NOUN
easat-10679	70	26	terminals	terminal	NOUN
easat-10679	70	27	,	,	PUNCT
easat-10679	70	28	increase	increase	VERB
easat-10679	70	29	the	the	DET
easat-10679	70	30	perceived	perceive	VERB
easat-10679	70	31	value	value	NOUN
easat-10679	70	32	of	of	ADP
easat-10679	70	33	use	use	NOUN
easat-10679	70	34	and	and	CCONJ
easat-10679	70	35	will	will	AUX
easat-10679	70	36	increase	increase	VERB
easat-10679	70	37	users	user	NOUN
easat-10679	70	38	'	'	PART
easat-10679	70	39	intention	intention	NOUN
easat-10679	70	40	to	to	PART
easat-10679	70	41	use	use	VERB
easat-10679	70	42	such	such	ADJ
easat-10679	70	43	technologies	technology	NOUN
easat-10679	70	44	.	.	PUNCT
easat-10679	71	1	previous	previous	ADJ
easat-10679	71	2	studies	study	NOUN
easat-10679	71	3	prove	prove	VERB
easat-10679	71	4	that	that	SCONJ
easat-10679	71	5	perceived	perceive	VERB
easat-10679	71	6	usefulness	usefulness	NOUN
easat-10679	71	7	has	have	VERB
easat-10679	71	8	an	an	DET
easat-10679	71	9	effect	effect	NOUN
easat-10679	71	10	on	on	ADP
easat-10679	71	11	intention	intention	NOUN
easat-10679	71	12	to	to	PART
easat-10679	71	13	use	use	VERB
easat-10679	71	14	[	[	X
easat-10679	71	15	10	10	NUM
easat-10679	71	16	,	,	PUNCT
easat-10679	71	17	20	20	NUM
easat-10679	71	18	]	]	PUNCT
easat-10679	71	19	.	.	PUNCT
easat-10679	72	1	h2	h2	PROPN
easat-10679	72	2	:	:	PUNCT
easat-10679	72	3	perceived	perceive	VERB
easat-10679	72	4	usefulness	usefulness	NOUN
easat-10679	72	5	has	have	VERB
easat-10679	72	6	a	a	DET
easat-10679	72	7	positive	positive	ADJ
easat-10679	72	8	effect	effect	NOUN
easat-10679	72	9	on	on	ADP
easat-10679	72	10	the	the	DET
easat-10679	72	11	intention	intention	NOUN
easat-10679	72	12	to	to	PART
easat-10679	72	13	use	use	VERB
easat-10679	72	14	mobile	mobile	ADJ
easat-10679	72	15	payment	payment	NOUN
easat-10679	72	16	2.4	2.4	NUM
easat-10679	72	17	.	.	PUNCT
easat-10679	73	1	system	system	NOUN
easat-10679	73	2	quality	quality	NOUN
easat-10679	73	3	and	and	CCONJ
easat-10679	73	4	intention	intention	NOUN
easat-10679	73	5	to	to	PART
easat-10679	73	6	use	use	VERB
easat-10679	73	7	mobile	mobile	ADJ
easat-10679	73	8	payment	payment	NOUN
easat-10679	73	9	system	system	NOUN
easat-10679	73	10	quality	quality	NOUN
easat-10679	73	11	refers	refer	VERB
easat-10679	73	12	to	to	ADP
easat-10679	73	13	how	how	SCONJ
easat-10679	73	14	well	well	ADV
easat-10679	73	15	a	a	DET
easat-10679	73	16	system	system	NOUN
easat-10679	73	17	meets	meet	VERB
easat-10679	73	18	user	user	NOUN
easat-10679	73	19	needs	need	NOUN
easat-10679	73	20	and	and	CCONJ
easat-10679	73	21	functions	function	NOUN
easat-10679	73	22	effectively	effectively	ADV
easat-10679	73	23	.	.	PUNCT
easat-10679	74	1	in	in	ADP
easat-10679	74	2	the	the	DET
easat-10679	74	3	context	context	NOUN
easat-10679	74	4	of	of	ADP
easat-10679	74	5	mobile	mobile	ADJ
easat-10679	74	6	payments	payment	NOUN
easat-10679	74	7	,	,	PUNCT
easat-10679	74	8	system	system	NOUN
easat-10679	74	9	quality	quality	NOUN
easat-10679	74	10	can	can	AUX
easat-10679	74	11	include	include	VERB
easat-10679	74	12	several	several	ADJ
easat-10679	74	13	aspects	aspect	NOUN
easat-10679	74	14	,	,	PUNCT
easat-10679	74	15	such	such	ADJ
easat-10679	74	16	as	as	ADP
easat-10679	74	17	:	:	PUNCT
easat-10679	74	18	reliability	reliability	NOUN
easat-10679	74	19	,	,	PUNCT
easat-10679	74	20	ease	ease	NOUN
easat-10679	74	21	of	of	ADP
easat-10679	74	22	use	use	NOUN
easat-10679	74	23	,	,	PUNCT
easat-10679	74	24	transaction	transaction	NOUN
easat-10679	74	25	speed	speed	NOUN
easat-10679	74	26	,	,	PUNCT
easat-10679	74	27	security	security	NOUN
easat-10679	74	28	,	,	PUNCT
easat-10679	74	29	and	and	CCONJ
easat-10679	74	30	security	security	NOUN
easat-10679	74	31	.	.	PUNCT
easat-10679	75	1	if	if	SCONJ
easat-10679	75	2	the	the	DET
easat-10679	75	3	app	app	NOUN
easat-10679	75	4	functions	function	NOUN
easat-10679	75	5	well	well	ADV
easat-10679	75	6	and	and	CCONJ
easat-10679	75	7	consistently	consistently	ADV
easat-10679	75	8	,	,	PUNCT
easat-10679	75	9	users	user	NOUN
easat-10679	75	10	are	be	AUX
easat-10679	75	11	more	more	ADV
easat-10679	75	12	likely	likely	ADJ
easat-10679	75	13	to	to	PART
easat-10679	75	14	use	use	VERB
easat-10679	75	15	it	it	PRON
easat-10679	75	16	repeatedly	repeatedly	ADV
easat-10679	75	17	.	.	PUNCT
easat-10679	76	1	apps	app	NOUN
easat-10679	76	2	that	that	PRON
easat-10679	76	3	are	be	AUX
easat-10679	76	4	quick	quick	ADJ
easat-10679	76	5	to	to	PART
easat-10679	76	6	respond	respond	VERB
easat-10679	76	7	to	to	ADP
easat-10679	76	8	user	user	NOUN
easat-10679	76	9	requests	request	NOUN
easat-10679	76	10	will	will	AUX
easat-10679	76	11	increase	increase	VERB
easat-10679	76	12	satisfaction	satisfaction	NOUN
easat-10679	76	13	and	and	CCONJ
easat-10679	76	14	the	the	DET
easat-10679	76	15	intention	intention	NOUN
easat-10679	76	16	to	to	PART
easat-10679	76	17	continue	continue	VERB
easat-10679	76	18	using	use	VERB
easat-10679	76	19	the	the	DET
easat-10679	76	20	app	app	NOUN
easat-10679	76	21	.	.	PUNCT
easat-10679	77	1	users	user	NOUN
easat-10679	77	2	value	value	VERB
easat-10679	77	3	their	their	PRON
easat-10679	77	4	time	time	NOUN
easat-10679	77	5	,	,	PUNCT
easat-10679	77	6	so	so	SCONJ
easat-10679	77	7	apps	app	NOUN
easat-10679	77	8	that	that	PRON
easat-10679	77	9	are	be	AUX
easat-10679	77	10	able	able	ADJ
easat-10679	77	11	to	to	PART
easat-10679	77	12	provide	provide	VERB
easat-10679	77	13	information	information	NOUN
easat-10679	77	14	or	or	CCONJ
easat-10679	77	15	services	service	NOUN
easat-10679	77	16	quickly	quickly	ADV
easat-10679	77	17	will	will	AUX
easat-10679	77	18	be	be	AUX
easat-10679	77	19	preferred	prefer	VERB
easat-10679	77	20	.	.	PUNCT
easat-10679	78	1	in	in	ADP
easat-10679	78	2	the	the	DET
easat-10679	78	3	context	context	NOUN
easat-10679	78	4	of	of	ADP
easat-10679	78	5	the	the	DET
easat-10679	78	6	study	study	NOUN
easat-10679	78	7	,	,	PUNCT
easat-10679	78	8	if	if	SCONJ
easat-10679	78	9	users	user	NOUN
easat-10679	78	10	feel	feel	VERB
easat-10679	78	11	that	that	SCONJ
easat-10679	78	12	a	a	DET
easat-10679	78	13	mobile	mobile	ADJ
easat-10679	78	14	payment	payment	NOUN
easat-10679	78	15	system	system	NOUN
easat-10679	78	16	is	be	AUX
easat-10679	78	17	reliable	reliable	ADJ
easat-10679	78	18	and	and	CCONJ
easat-10679	78	19	rarely	rarely	ADV
easat-10679	78	20	experiences	experience	VERB
easat-10679	78	21	glitches	glitch	NOUN
easat-10679	78	22	,	,	PUNCT
easat-10679	78	23	they	they	PRON
easat-10679	78	24	are	be	AUX
easat-10679	78	25	more	more	ADV
easat-10679	78	26	likely	likely	ADJ
easat-10679	78	27	to	to	PART
easat-10679	78	28	use	use	VERB
easat-10679	78	29	it	it	PRON
easat-10679	78	30	regularly	regularly	ADV
easat-10679	78	31	.	.	PUNCT
easat-10679	79	1	research	research	NOUN
easat-10679	79	2	shows	show	VERB
easat-10679	79	3	that	that	SCONJ
easat-10679	79	4	system	system	NOUN
easat-10679	79	5	reliability	reliability	NOUN
easat-10679	79	6	contributes	contribute	VERB
easat-10679	79	7	positively	positively	ADV
easat-10679	79	8	to	to	ADP
easat-10679	79	9	user	user	NOUN
easat-10679	79	10	satisfaction	satisfaction	NOUN
easat-10679	79	11	,	,	PUNCT
easat-10679	79	12	which	which	PRON
easat-10679	79	13	in	in	ADP
easat-10679	79	14	turn	turn	NOUN
easat-10679	79	15	increases	increase	VERB
easat-10679	79	16	usage	usage	NOUN
easat-10679	79	17	intention	intention	NOUN
easat-10679	79	18	[	[	X
easat-10679	79	19	21	21	NUM
easat-10679	79	20	,	,	PUNCT
easat-10679	79	21	22	22	NUM
easat-10679	79	22	]	]	PUNCT
easat-10679	79	23	.	.	PUNCT
easat-10679	80	1	h3	h3	NOUN
easat-10679	80	2	:	:	PUNCT
easat-10679	80	3	system	system	NOUN
easat-10679	80	4	quality	quality	NOUN
easat-10679	80	5	has	have	VERB
easat-10679	80	6	a	a	DET
easat-10679	80	7	positive	positive	ADJ
easat-10679	80	8	effect	effect	NOUN
easat-10679	80	9	on	on	ADP
easat-10679	80	10	the	the	DET
easat-10679	80	11	intention	intention	NOUN
easat-10679	80	12	to	to	PART
easat-10679	80	13	use	use	VERB
easat-10679	80	14	mobile	mobile	ADJ
easat-10679	80	15	payment	payment	NOUN
easat-10679	80	16	2.5	2.5	NUM
easat-10679	80	17	.	.	PUNCT
easat-10679	81	1	service	service	NOUN
easat-10679	81	2	quality	quality	NOUN
easat-10679	81	3	and	and	CCONJ
easat-10679	81	4	intention	intention	NOUN
easat-10679	81	5	to	to	PART
easat-10679	81	6	use	use	VERB
easat-10679	81	7	mobile	mobile	ADJ
easat-10679	81	8	payment	payment	NOUN
easat-10679	81	9	service	service	NOUN
easat-10679	81	10	quality	quality	NOUN
easat-10679	81	11	refers	refer	VERB
easat-10679	81	12	to	to	ADP
easat-10679	81	13	the	the	DET
easat-10679	81	14	extent	extent	NOUN
easat-10679	81	15	to	to	PART
easat-10679	81	16	which	which	PRON
easat-10679	81	17	the	the	DET
easat-10679	81	18	service	service	NOUN
easat-10679	81	19	provided	provide	VERB
easat-10679	81	20	meets	meet	VERB
easat-10679	81	21	customer	customer	NOUN
easat-10679	81	22	expectations	expectation	NOUN
easat-10679	81	23	.	.	PUNCT
easat-10679	82	1	in	in	ADP
easat-10679	82	2	the	the	DET
easat-10679	82	3	context	context	NOUN
easat-10679	82	4	of	of	ADP
easat-10679	82	5	mobile	mobile	ADJ
easat-10679	82	6	payments	payment	NOUN
easat-10679	82	7	,	,	PUNCT
easat-10679	82	8	service	service	NOUN
easat-10679	82	9	quality	quality	NOUN
easat-10679	82	10	includes	include	VERB
easat-10679	82	11	various	various	ADJ
easat-10679	82	12	aspects	aspect	NOUN
easat-10679	82	13	such	such	ADJ
easat-10679	82	14	as	as	ADP
easat-10679	82	15	transaction	transaction	NOUN
easat-10679	82	16	speed	speed	NOUN
easat-10679	82	17	,	,	PUNCT
easat-10679	82	18	ease	ease	NOUN
easat-10679	82	19	of	of	ADP
easat-10679	82	20	use	use	NOUN
easat-10679	82	21	,	,	PUNCT
easat-10679	82	22	security	security	NOUN
easat-10679	82	23	,	,	PUNCT
easat-10679	82	24	and	and	CCONJ
easat-10679	82	25	customer	customer	NOUN
easat-10679	82	26	support	support	NOUN
easat-10679	82	27	.	.	PUNCT
easat-10679	83	1	mobile	mobile	ADJ
easat-10679	83	2	payment	payment	NOUN
easat-10679	83	3	is	be	AUX
easat-10679	83	4	a	a	DET
easat-10679	83	5	payment	payment	NOUN
easat-10679	83	6	system	system	NOUN
easat-10679	83	7	that	that	PRON
easat-10679	83	8	allows	allow	VERB
easat-10679	83	9	users	user	NOUN
easat-10679	83	10	to	to	PART
easat-10679	83	11	make	make	VERB
easat-10679	83	12	transactions	transaction	NOUN
easat-10679	83	13	using	use	VERB
easat-10679	83	14	mobile	mobile	ADJ
easat-10679	83	15	devices	device	NOUN
easat-10679	83	16	such	such	ADJ
easat-10679	83	17	as	as	ADP
easat-10679	83	18	smartphones	smartphone	NOUN
easat-10679	83	19	or	or	CCONJ
easat-10679	83	20	tablets	tablet	NOUN
easat-10679	83	21	.	.	PUNCT
easat-10679	84	1	some	some	PRON
easat-10679	84	2	of	of	ADP
easat-10679	84	3	the	the	DET
easat-10679	84	4	main	main	ADJ
easat-10679	84	5	factors	factor	NOUN
easat-10679	84	6	that	that	PRON
easat-10679	84	7	affect	affect	VERB
easat-10679	84	8	service	service	NOUN
easat-10679	84	9	quality	quality	NOUN
easat-10679	84	10	in	in	ADP
easat-10679	84	11	mobile	mobile	ADJ
easat-10679	84	12	payments	payment	NOUN
easat-10679	84	13	include	include	VERB
easat-10679	84	14	reliability	reliability	NOUN
easat-10679	84	15	and	and	CCONJ
easat-10679	84	16	responsiveness	responsiveness	NOUN
easat-10679	84	17	.	.	PUNCT
easat-10679	85	1	the	the	DET
easat-10679	85	2	ability	ability	NOUN
easat-10679	85	3	of	of	ADP
easat-10679	85	4	the	the	DET
easat-10679	85	5	system	system	NOUN
easat-10679	85	6	to	to	PART
easat-10679	85	7	deliver	deliver	VERB
easat-10679	85	8	the	the	DET
easat-10679	85	9	promised	promise	VERB
easat-10679	85	10	service	service	NOUN
easat-10679	85	11	consistently	consistently	ADV
easat-10679	85	12	is	be	AUX
easat-10679	85	13	crucial	crucial	ADJ
easat-10679	85	14	.	.	PUNCT
easat-10679	86	1	for	for	ADP
easat-10679	86	2	example	example	NOUN
easat-10679	86	3	,	,	PUNCT
easat-10679	86	4	if	if	SCONJ
easat-10679	86	5	the	the	DET
easat-10679	86	6	mobile	mobile	ADJ
easat-10679	86	7	payment	payment	NOUN
easat-10679	86	8	application	application	NOUN
easat-10679	86	9	often	often	ADV
easat-10679	86	10	experiences	experience	VERB
easat-10679	86	11	glitches	glitch	NOUN
easat-10679	86	12	or	or	CCONJ
easat-10679	86	13	transaction	transaction	NOUN
easat-10679	86	14	errors	error	NOUN
easat-10679	86	15	,	,	PUNCT
easat-10679	86	16	this	this	PRON
easat-10679	86	17	will	will	AUX
easat-10679	86	18	reduce	reduce	VERB
easat-10679	86	19	user	user	NOUN
easat-10679	86	20	confidence	confidence	NOUN
easat-10679	86	21	.	.	PUNCT
easat-10679	87	1	the	the	DET
easat-10679	87	2	speed	speed	NOUN
easat-10679	87	3	with	with	ADP
easat-10679	87	4	which	which	PRON
easat-10679	87	5	the	the	DET
easat-10679	87	6	service	service	NOUN
easat-10679	87	7	provider	provider	NOUN
easat-10679	87	8	can	can	AUX
easat-10679	87	9	respond	respond	VERB
easat-10679	87	10	to	to	ADP
easat-10679	87	11	requests	request	NOUN
easat-10679	87	12	or	or	CCONJ
easat-10679	87	13	problems	problem	NOUN
easat-10679	87	14	from	from	ADP
easat-10679	87	15	users	user	NOUN
easat-10679	87	16	is	be	AUX
easat-10679	87	17	also	also	ADV
easat-10679	87	18	vital	vital	ADJ
easat-10679	87	19	.	.	PUNCT
easat-10679	88	1	fast	fast	ADJ
easat-10679	88	2	and	and	CCONJ
easat-10679	88	3	effective	effective	ADJ
easat-10679	88	4	customer	customer	NOUN
easat-10679	88	5	service	service	NOUN
easat-10679	88	6	is	be	AUX
easat-10679	88	7	critical	critical	ADJ
easat-10679	88	8	to	to	ADP
easat-10679	88	9	improving	improve	VERB
easat-10679	88	10	user	user	NOUN
easat-10679	88	11	experience	experience	NOUN
easat-10679	88	12	.	.	PUNCT
easat-10679	89	1	when	when	SCONJ
easat-10679	89	2	users	user	NOUN
easat-10679	89	3	are	be	AUX
easat-10679	89	4	satisfied	satisfied	ADJ
easat-10679	89	5	with	with	ADP
easat-10679	89	6	the	the	DET
easat-10679	89	7	quality	quality	NOUN
easat-10679	89	8	of	of	ADP
easat-10679	89	9	service	service	NOUN
easat-10679	89	10	received	receive	VERB
easat-10679	89	11	,	,	PUNCT
easat-10679	89	12	they	they	PRON
easat-10679	89	13	tend	tend	VERB
easat-10679	89	14	to	to	PART
easat-10679	89	15	have	have	VERB
easat-10679	89	16	a	a	DET
easat-10679	89	17	higher	high	ADJ
easat-10679	89	18	intention	intention	NOUN
easat-10679	89	19	to	to	PART
easat-10679	89	20	reuse	reuse	VERB
easat-10679	89	21	the	the	DET
easat-10679	89	22	service	service	NOUN
easat-10679	89	23	in	in	ADP
easat-10679	89	24	the	the	DET
easat-10679	89	25	future	future	NOUN
easat-10679	89	26	.	.	PUNCT
easat-10679	90	1	for	for	ADP
easat-10679	90	2	example	example	NOUN
easat-10679	90	3	,	,	PUNCT
easat-10679	90	4	if	if	SCONJ
easat-10679	90	5	a	a	DET
easat-10679	90	6	user	user	NOUN
easat-10679	90	7	experiences	experience	VERB
easat-10679	90	8	a	a	DET
easat-10679	90	9	fast	fast	ADJ
easat-10679	90	10	and	and	CCONJ
easat-10679	90	11	secure	secure	ADJ
easat-10679	90	12	transaction	transaction	NOUN
easat-10679	90	13	,	,	PUNCT
easat-10679	90	14	they	they	PRON
easat-10679	90	15	are	be	AUX
easat-10679	90	16	more	more	ADV
easat-10679	90	17	likely	likely	ADJ
easat-10679	90	18	to	to	PART
easat-10679	90	19	recommend	recommend	VERB
easat-10679	90	20	the	the	DET
easat-10679	90	21	app	app	NOUN
easat-10679	90	22	to	to	ADP
easat-10679	90	23	others	other	NOUN
easat-10679	90	24	.	.	PUNCT
easat-10679	91	1	good	good	ADJ
easat-10679	91	2	service	service	NOUN
easat-10679	91	3	quality	quality	NOUN
easat-10679	91	4	can	can	AUX
easat-10679	91	5	increase	increase	VERB
easat-10679	91	6	customer	customer	NOUN
easat-10679	91	7	loyalty	loyalty	NOUN
easat-10679	91	8	to	to	ADP
easat-10679	91	9	a	a	DET
easat-10679	91	10	particular	particular	ADJ
easat-10679	91	11	mobile	mobile	ADJ
easat-10679	91	12	payment	payment	NOUN
easat-10679	91	13	provider	provider	NOUN
easat-10679	91	14	.	.	PUNCT
easat-10679	92	1	high	high	ADJ
easat-10679	92	2	levels	level	NOUN
easat-10679	92	3	of	of	ADP
easat-10679	92	4	security	security	NOUN
easat-10679	92	5	and	and	CCONJ
easat-10679	92	6	reliability	reliability	NOUN
easat-10679	92	7	can	can	AUX
easat-10679	92	8	reduce	reduce	VERB
easat-10679	92	9	the	the	DET
easat-10679	92	10	perception	perception	NOUN
easat-10679	92	11	of	of	ADP
easat-10679	92	12	risk	risk	NOUN
easat-10679	92	13	among	among	ADP
easat-10679	92	14	users	user	NOUN
easat-10679	92	15	.	.	PUNCT
easat-10679	93	1	when	when	SCONJ
easat-10679	93	2	users	user	NOUN
easat-10679	93	3	feel	feel	VERB
easat-10679	93	4	that	that	SCONJ
easat-10679	93	5	the	the	DET
easat-10679	93	6	risk	risk	NOUN
easat-10679	93	7	of	of	ADP
easat-10679	93	8	losing	lose	VERB
easat-10679	93	9	money	money	NOUN
easat-10679	93	10	or	or	CCONJ
easat-10679	93	11	personal	personal	ADJ
easat-10679	93	12	data	datum	NOUN
easat-10679	93	13	is	be	AUX
easat-10679	93	14	low	low	ADJ
easat-10679	93	15	,	,	PUNCT
easat-10679	93	16	they	they	PRON
easat-10679	93	17	are	be	AUX
easat-10679	93	18	more	more	ADV
easat-10679	93	19	likely	likely	ADJ
easat-10679	93	20	to	to	PART
easat-10679	93	21	use	use	VERB
easat-10679	93	22	mobile	mobile	ADJ
easat-10679	93	23	payments	payment	NOUN
easat-10679	93	24	regularly	regularly	ADV
easat-10679	93	25	.	.	PUNCT
easat-10679	94	1	mobile	mobile	ADJ
easat-10679	94	2	payment	payment	NOUN
easat-10679	94	3	service	service	NOUN
easat-10679	94	4	providers	provider	NOUN
easat-10679	94	5	that	that	PRON
easat-10679	94	6	focus	focus	VERB
easat-10679	94	7	on	on	ADP
easat-10679	94	8	improving	improve	VERB
easat-10679	94	9	service	service	NOUN
easat-10679	94	10	quality	quality	NOUN
easat-10679	94	11	through	through	ADP
easat-10679	94	12	innovating	innovate	VERB
easat-10679	94	13	new	new	ADJ
easat-10679	94	14	features	feature	NOUN
easat-10679	94	15	(	(	PUNCT
easat-10679	94	16	e.g.	e.g.	ADV
easat-10679	94	17	,	,	PUNCT
easat-10679	94	18	loyalty	loyalty	NOUN
easat-10679	94	19	programs	program	NOUN
easat-10679	94	20	or	or	CCONJ
easat-10679	94	21	integration	integration	NOUN
easat-10679	94	22	with	with	ADP
easat-10679	94	23	e	e	NOUN
easat-10679	94	24	-	-	NOUN
easat-10679	94	25	commerce	commerce	NOUN
easat-10679	94	26	)	)	PUNCT
easat-10679	94	27	can	can	AUX
easat-10679	94	28	attract	attract	VERB
easat-10679	94	29	more	more	ADJ
easat-10679	94	30	new	new	ADJ
easat-10679	94	31	users	user	NOUN
easat-10679	94	32	as	as	ADV
easat-10679	94	33	well	well	ADV
easat-10679	94	34	as	as	ADP
easat-10679	94	35	retain	retain	VERB
easat-10679	94	36	existing	exist	VERB
easat-10679	94	37	users	user	NOUN
easat-10679	94	38	.	.	PUNCT
easat-10679	95	1	h4	h4	NOUN
easat-10679	95	2	:	:	PUNCT
easat-10679	95	3	service	service	NOUN
easat-10679	95	4	quality	quality	NOUN
easat-10679	95	5	has	have	VERB
easat-10679	95	6	a	a	DET
easat-10679	95	7	positive	positive	ADJ
easat-10679	95	8	effect	effect	NOUN
easat-10679	95	9	on	on	ADP
easat-10679	95	10	the	the	DET
easat-10679	95	11	intention	intention	NOUN
easat-10679	95	12	to	to	PART
easat-10679	95	13	use	use	VERB
easat-10679	95	14	mobile	mobile	ADJ
easat-10679	95	15	payment	payment	NOUN
easat-10679	95	16	1452	1452	NUM
easat-10679	95	17	edelweiss	edelweiss	PROPN
easat-10679	95	18	applied	apply	VERB
easat-10679	95	19	science	science	NOUN
easat-10679	95	20	and	and	CCONJ
easat-10679	95	21	technology	technology	NOUN
easat-10679	95	22	issn	issn	PROPN
easat-10679	95	23	:	:	PUNCT
easat-10679	95	24	2576	2576	NUM
easat-10679	95	25	-	-	SYM
easat-10679	95	26	8484	8484	NUM
easat-10679	95	27	vol	vol	NOUN
easat-10679	95	28	.	.	PROPN
easat-10679	96	1	9	9	NUM
easat-10679	96	2	,	,	PUNCT
easat-10679	96	3	no	no	INTJ
easat-10679	96	4	.	.	NOUN
easat-10679	96	5	10	10	NUM
easat-10679	96	6	:	:	SYM
easat-10679	96	7	1449	1449	NUM
easat-10679	96	8	-	-	SYM
easat-10679	96	9	1458	1458	NUM
easat-10679	96	10	,	,	PUNCT
easat-10679	96	11	2025	2025	NUM
easat-10679	96	12	doi	doi	NOUN
easat-10679	96	13	:	:	PUNCT
easat-10679	96	14	10.55214/2576	10.55214/2576	NUM
easat-10679	96	15	-	-	SYM
easat-10679	96	16	8484.v9i10.10679	8484.v9i10.10679	NUM
easat-10679	97	1	©	©	PROPN
easat-10679	97	2	2025	2025	NUM
easat-10679	97	3	by	by	ADP
easat-10679	97	4	the	the	DET
easat-10679	97	5	authors	author	NOUN
easat-10679	97	6	;	;	PUNCT
easat-10679	97	7	licensee	licensee	PROPN
easat-10679	97	8	learning	learning	NOUN
easat-10679	97	9	gate	gate	NOUN
easat-10679	97	10	3	3	NUM
easat-10679	97	11	.	.	PUNCT
easat-10679	97	12	methodology	methodology	NOUN
easat-10679	97	13	this	this	DET
easat-10679	97	14	study	study	NOUN
easat-10679	97	15	employs	employ	VERB
easat-10679	97	16	a	a	DET
easat-10679	97	17	quantitative	quantitative	ADJ
easat-10679	97	18	approach	approach	NOUN
easat-10679	97	19	to	to	PART
easat-10679	97	20	predict	predict	VERB
easat-10679	97	21	factors	factor	NOUN
easat-10679	97	22	influencing	influence	VERB
easat-10679	97	23	the	the	DET
easat-10679	97	24	intention	intention	NOUN
easat-10679	97	25	to	to	PART
easat-10679	97	26	use	use	VERB
easat-10679	97	27	mobile	mobile	ADJ
easat-10679	97	28	payments	payment	NOUN
easat-10679	97	29	.	.	PUNCT
easat-10679	98	1	it	it	PRON
easat-10679	98	2	utilizes	utilize	VERB
easat-10679	98	3	four	four	NUM
easat-10679	98	4	independent	independent	ADJ
easat-10679	98	5	variables	variable	NOUN
easat-10679	98	6	and	and	CCONJ
easat-10679	98	7	one	one	NUM
easat-10679	98	8	dependent	dependent	ADJ
easat-10679	98	9	variable	variable	NOUN
easat-10679	98	10	.	.	PUNCT
easat-10679	99	1	the	the	DET
easat-10679	99	2	intention	intention	NOUN
easat-10679	99	3	to	to	PART
easat-10679	99	4	use	use	NOUN
easat-10679	99	5	is	be	AUX
easat-10679	99	6	measured	measure	VERB
easat-10679	99	7	by	by	ADP
easat-10679	99	8	three	three	NUM
easat-10679	99	9	items	item	NOUN
easat-10679	99	10	,	,	PUNCT
easat-10679	99	11	perceived	perceive	VERB
easat-10679	99	12	ease	ease	NOUN
easat-10679	99	13	of	of	ADP
easat-10679	99	14	use	use	NOUN
easat-10679	99	15	by	by	ADP
easat-10679	99	16	four	four	NUM
easat-10679	99	17	items	item	NOUN
easat-10679	99	18	,	,	PUNCT
easat-10679	99	19	perceived	perceive	VERB
easat-10679	99	20	usefulness	usefulness	NOUN
easat-10679	99	21	by	by	ADP
easat-10679	99	22	five	five	NUM
easat-10679	99	23	items	item	NOUN
easat-10679	99	24	,	,	PUNCT
easat-10679	99	25	system	system	NOUN
easat-10679	99	26	quality	quality	NOUN
easat-10679	99	27	by	by	ADP
easat-10679	99	28	five	five	NUM
easat-10679	99	29	items	item	NOUN
easat-10679	99	30	,	,	PUNCT
easat-10679	99	31	and	and	CCONJ
easat-10679	99	32	service	service	NOUN
easat-10679	99	33	quality	quality	NOUN
easat-10679	99	34	by	by	ADP
easat-10679	99	35	ten	ten	NUM
easat-10679	99	36	items	item	NOUN
easat-10679	99	37	.	.	PUNCT
easat-10679	100	1	the	the	DET
easat-10679	100	2	population	population	NOUN
easat-10679	100	3	consists	consist	VERB
easat-10679	100	4	of	of	ADP
easat-10679	100	5	all	all	DET
easat-10679	100	6	accounting	account	VERB
easat-10679	100	7	students	student	NOUN
easat-10679	100	8	at	at	ADP
easat-10679	100	9	swadaya	swadaya	NOUN
easat-10679	100	10	gunung	gunung	PROPN
easat-10679	100	11	jati	jati	PROPN
easat-10679	100	12	university	university	PROPN
easat-10679	100	13	,	,	PUNCT
easat-10679	100	14	totaling	total	VERB
easat-10679	100	15	657	657	NUM
easat-10679	100	16	students	student	NOUN
easat-10679	100	17	.	.	PUNCT
easat-10679	101	1	based	base	VERB
easat-10679	101	2	on	on	ADP
easat-10679	101	3	the	the	DET
easat-10679	101	4	raosoft	raosoft	ADJ
easat-10679	101	5	sample	sample	NOUN
easat-10679	101	6	size	size	NOUN
easat-10679	101	7	calculator	calculator	NOUN
easat-10679	101	8	,	,	PUNCT
easat-10679	101	9	a	a	DET
easat-10679	101	10	sample	sample	NOUN
easat-10679	101	11	of	of	ADP
easat-10679	101	12	243	243	NUM
easat-10679	101	13	respondents	respondent	NOUN
easat-10679	101	14	was	be	AUX
easat-10679	101	15	determined	determine	VERB
easat-10679	101	16	.	.	PUNCT
easat-10679	102	1	valid	valid	ADJ
easat-10679	102	2	data	datum	NOUN
easat-10679	102	3	for	for	ADP
easat-10679	102	4	analysis	analysis	NOUN
easat-10679	102	5	were	be	AUX
easat-10679	102	6	obtained	obtain	VERB
easat-10679	102	7	from	from	ADP
easat-10679	102	8	235	235	NUM
easat-10679	102	9	respondents	respondent	NOUN
easat-10679	102	10	'	'	PART
easat-10679	102	11	answers	answer	NOUN
easat-10679	102	12	.	.	PUNCT
easat-10679	103	1	data	datum	NOUN
easat-10679	103	2	analysis	analysis	NOUN
easat-10679	103	3	was	be	AUX
easat-10679	103	4	conducted	conduct	VERB
easat-10679	103	5	using	use	VERB
easat-10679	103	6	structural	structural	ADJ
easat-10679	103	7	equation	equation	NOUN
easat-10679	103	8	modeling	modeling	NOUN
easat-10679	103	9	(	(	PUNCT
easat-10679	103	10	sem	sem	NOUN
easat-10679	103	11	)	)	PUNCT
easat-10679	103	12	with	with	ADP
easat-10679	103	13	smartpls	smartpls	NOUN
easat-10679	103	14	.	.	PUNCT
easat-10679	104	1	4	4	X
easat-10679	104	2	.	.	NOUN
easat-10679	104	3	results	result	VERB
easat-10679	104	4	the	the	DET
easat-10679	104	5	majority	majority	NOUN
easat-10679	104	6	of	of	ADP
easat-10679	104	7	respondents	respondent	NOUN
easat-10679	104	8	in	in	ADP
easat-10679	104	9	this	this	DET
easat-10679	104	10	study	study	NOUN
easat-10679	104	11	were	be	AUX
easat-10679	104	12	female	female	ADJ
easat-10679	104	13	(	(	PUNCT
easat-10679	104	14	72.9	72.9	NUM
easat-10679	104	15	%	%	NOUN
easat-10679	104	16	)	)	PUNCT
easat-10679	104	17	,	,	PUNCT
easat-10679	104	18	unmarried	unmarried	ADJ
easat-10679	104	19	(	(	PUNCT
easat-10679	104	20	92.8	92.8	NUM
easat-10679	104	21	%	%	NOUN
easat-10679	104	22	)	)	PUNCT
easat-10679	104	23	,	,	PUNCT
easat-10679	104	24	aged	aged	ADJ
easat-10679	104	25	over	over	ADP
easat-10679	104	26	20	20	NUM
easat-10679	104	27	years	year	NOUN
easat-10679	104	28	(	(	PUNCT
easat-10679	104	29	58.5	58.5	NUM
easat-10679	104	30	%	%	NOUN
easat-10679	104	31	)	)	PUNCT
easat-10679	104	32	,	,	PUNCT
easat-10679	104	33	and	and	CCONJ
easat-10679	104	34	currently	currently	ADV
easat-10679	104	35	studying	study	VERB
easat-10679	104	36	at	at	ADP
easat-10679	104	37	level	level	NOUN
easat-10679	104	38	2	2	NUM
easat-10679	104	39	(	(	PUNCT
easat-10679	104	40	36	36	NUM
easat-10679	104	41	%	%	NOUN
easat-10679	104	42	)	)	PUNCT
easat-10679	104	43	.	.	PUNCT
easat-10679	105	1	based	base	VERB
easat-10679	105	2	on	on	ADP
easat-10679	105	3	table	table	NOUN
easat-10679	105	4	1	1	NUM
easat-10679	105	5	,	,	PUNCT
easat-10679	105	6	the	the	DET
easat-10679	105	7	mean	mean	ADJ
easat-10679	105	8	values	value	NOUN
easat-10679	105	9	of	of	ADP
easat-10679	105	10	all	all	DET
easat-10679	105	11	the	the	DET
easat-10679	105	12	variables	variable	NOUN
easat-10679	105	13	studied	study	VERB
easat-10679	105	14	ranged	range	VERB
easat-10679	105	15	from	from	ADP
easat-10679	105	16	3.13	3.13	NUM
easat-10679	105	17	to	to	ADP
easat-10679	105	18	4.05	4.05	NUM
easat-10679	105	19	,	,	PUNCT
easat-10679	105	20	and	and	CCONJ
easat-10679	105	21	the	the	DET
easat-10679	105	22	standard	standard	ADJ
easat-10679	105	23	deviation	deviation	NOUN
easat-10679	105	24	values	value	NOUN
easat-10679	105	25	ranged	range	VERB
easat-10679	105	26	from	from	ADP
easat-10679	105	27	0.878	0.878	NUM
easat-10679	105	28	to	to	ADP
easat-10679	105	29	0.947	0.947	NUM
easat-10679	105	30	.	.	PUNCT
easat-10679	106	1	this	this	PRON
easat-10679	106	2	indicates	indicate	VERB
easat-10679	106	3	that	that	SCONJ
easat-10679	106	4	most	most	ADJ
easat-10679	106	5	respondents	respondent	NOUN
easat-10679	106	6	expressed	express	VERB
easat-10679	106	7	agreement	agreement	NOUN
easat-10679	106	8	with	with	ADP
easat-10679	106	9	all	all	DET
easat-10679	106	10	question	question	NOUN
easat-10679	106	11	items	item	NOUN
easat-10679	106	12	across	across	ADP
easat-10679	106	13	each	each	DET
easat-10679	106	14	variable	variable	NOUN
easat-10679	106	15	.	.	PUNCT
easat-10679	107	1	it	it	PRON
easat-10679	107	2	suggests	suggest	VERB
easat-10679	107	3	that	that	SCONJ
easat-10679	107	4	the	the	DET
easat-10679	107	5	perception	perception	NOUN
easat-10679	107	6	of	of	ADP
easat-10679	107	7	ease	ease	NOUN
easat-10679	107	8	,	,	PUNCT
easat-10679	107	9	usefulness	usefulness	NOUN
easat-10679	107	10	,	,	PUNCT
easat-10679	107	11	quality	quality	NOUN
easat-10679	107	12	systems	system	NOUN
easat-10679	107	13	,	,	PUNCT
easat-10679	107	14	and	and	CCONJ
easat-10679	107	15	quality	quality	NOUN
easat-10679	107	16	services	service	NOUN
easat-10679	107	17	influences	influence	VERB
easat-10679	107	18	students	student	NOUN
easat-10679	107	19	'	'	PART
easat-10679	107	20	intention	intention	NOUN
easat-10679	107	21	,	,	PUNCT
easat-10679	107	22	as	as	SCONJ
easat-10679	107	23	generation	generation	NOUN
easat-10679	107	24	z	z	NOUN
easat-10679	107	25	,	,	PUNCT
easat-10679	107	26	to	to	PART
easat-10679	107	27	use	use	VERB
easat-10679	107	28	mobile	mobile	ADJ
easat-10679	107	29	payments	payment	NOUN
easat-10679	107	30	.	.	PUNCT
easat-10679	108	1	table	table	NOUN
easat-10679	108	2	1	1	NUM
easat-10679	108	3	shows	show	VERB
easat-10679	108	4	that	that	PRON
easat-10679	108	5	cronbach	cronbach	VERB
easat-10679	108	6	's	's	PART
easat-10679	108	7	alpha	alpha	ADJ
easat-10679	108	8	values	value	NOUN
easat-10679	108	9	of	of	ADP
easat-10679	108	10	the	the	DET
easat-10679	108	11	five	five	NUM
easat-10679	108	12	main	main	ADJ
easat-10679	108	13	variables	variable	NOUN
easat-10679	108	14	range	range	VERB
easat-10679	108	15	from	from	ADP
easat-10679	108	16	0.713	0.713	NUM
easat-10679	108	17	to	to	ADP
easat-10679	108	18	0.941	0.941	NUM
easat-10679	108	19	,	,	PUNCT
easat-10679	108	20	which	which	PRON
easat-10679	108	21	are	be	AUX
easat-10679	108	22	greater	great	ADJ
easat-10679	108	23	than	than	ADP
easat-10679	108	24	the	the	DET
easat-10679	108	25	0.7	0.7	NUM
easat-10679	108	26	threshold	threshold	NOUN
easat-10679	108	27	.	.	PUNCT
easat-10679	109	1	additionally	additionally	ADV
easat-10679	109	2	,	,	PUNCT
easat-10679	109	3	the	the	DET
easat-10679	109	4	composite	composite	ADJ
easat-10679	109	5	reliability	reliability	NOUN
easat-10679	109	6	(	(	PUNCT
easat-10679	109	7	cr	cr	NOUN
easat-10679	109	8	)	)	PUNCT
easat-10679	109	9	values	value	NOUN
easat-10679	109	10	for	for	ADP
easat-10679	109	11	all	all	DET
easat-10679	109	12	variables	variable	NOUN
easat-10679	109	13	range	range	VERB
easat-10679	109	14	from	from	ADP
easat-10679	109	15	0.908	0.908	NUM
easat-10679	109	16	to	to	ADP
easat-10679	109	17	0.955	0.955	NUM
easat-10679	109	18	,	,	PUNCT
easat-10679	109	19	also	also	ADV
easat-10679	109	20	exceeding	exceed	VERB
easat-10679	109	21	0.7	0.7	NUM
easat-10679	109	22	,	,	PUNCT
easat-10679	109	23	indicating	indicate	VERB
easat-10679	109	24	that	that	SCONJ
easat-10679	109	25	the	the	DET
easat-10679	109	26	constructs	construct	NOUN
easat-10679	109	27	in	in	ADP
easat-10679	109	28	this	this	DET
easat-10679	109	29	study	study	NOUN
easat-10679	109	30	meet	meet	VERB
easat-10679	109	31	reliability	reliability	NOUN
easat-10679	109	32	standards	standard	NOUN
easat-10679	109	33	.	.	PUNCT
easat-10679	110	1	there	there	PRON
easat-10679	110	2	are	be	VERB
easat-10679	110	3	two	two	NUM
easat-10679	110	4	measurement	measurement	NOUN
easat-10679	110	5	models	model	NOUN
easat-10679	110	6	:	:	PUNCT
easat-10679	110	7	the	the	DET
easat-10679	110	8	assessment	assessment	NOUN
easat-10679	110	9	of	of	ADP
easat-10679	110	10	convergent	convergent	NOUN
easat-10679	110	11	validity	validity	NOUN
easat-10679	110	12	and	and	CCONJ
easat-10679	110	13	discriminant	discriminant	ADJ
easat-10679	110	14	validity	validity	NOUN
easat-10679	110	15	.	.	PUNCT
easat-10679	111	1	convergent	convergent	ADJ
easat-10679	111	2	validity	validity	NOUN
easat-10679	111	3	is	be	AUX
easat-10679	111	4	demonstrated	demonstrate	VERB
easat-10679	111	5	through	through	ADP
easat-10679	111	6	question	question	NOUN
easat-10679	111	7	reliability	reliability	NOUN
easat-10679	111	8	,	,	PUNCT
easat-10679	111	9	construct	construct	VERB
easat-10679	111	10	composite	composite	ADJ
easat-10679	111	11	reliability	reliability	NOUN
easat-10679	111	12	(	(	PUNCT
easat-10679	111	13	cr	cr	NOUN
easat-10679	111	14	)	)	PUNCT
easat-10679	111	15	,	,	PUNCT
easat-10679	111	16	and	and	CCONJ
easat-10679	111	17	variance	variance	NOUN
easat-10679	111	18	extracted	extract	VERB
easat-10679	111	19	by	by	ADP
easat-10679	111	20	the	the	DET
easat-10679	111	21	construct	construct	NOUN
easat-10679	111	22	.	.	PUNCT
easat-10679	112	1	a	a	DET
easat-10679	112	2	good	good	ADJ
easat-10679	112	3	reliability	reliability	NOUN
easat-10679	112	4	value	value	NOUN
easat-10679	112	5	is	be	AUX
easat-10679	112	6	indicated	indicate	VERB
easat-10679	112	7	when	when	SCONJ
easat-10679	112	8	the	the	DET
easat-10679	112	9	loading	loading	NOUN
easat-10679	112	10	value	value	NOUN
easat-10679	112	11	exceeds	exceed	VERB
easat-10679	112	12	0.70	0.70	NUM
easat-10679	112	13	.	.	PUNCT
easat-10679	113	1	the	the	DET
easat-10679	113	2	average	average	ADJ
easat-10679	113	3	variance	variance	NOUN
easat-10679	113	4	extracted	extract	VERB
easat-10679	113	5	(	(	PUNCT
easat-10679	113	6	ave	ave	NOUN
easat-10679	113	7	)	)	PUNCT
easat-10679	113	8	value	value	NOUN
easat-10679	113	9	is	be	AUX
easat-10679	113	10	used	use	VERB
easat-10679	113	11	to	to	PART
easat-10679	113	12	test	test	VERB
easat-10679	113	13	convergent	convergent	ADJ
easat-10679	113	14	validity	validity	NOUN
easat-10679	113	15	,	,	PUNCT
easat-10679	113	16	and	and	CCONJ
easat-10679	113	17	it	it	PRON
easat-10679	113	18	should	should	AUX
easat-10679	113	19	be	be	AUX
easat-10679	113	20	higher	high	ADJ
easat-10679	113	21	than	than	ADP
easat-10679	113	22	0.50	0.50	NUM
easat-10679	113	23	.	.	PUNCT
easat-10679	113	24	1453	1453	NUM
easat-10679	113	25	edelweiss	edelweiss	PROPN
easat-10679	113	26	applied	apply	VERB
easat-10679	113	27	science	science	NOUN
easat-10679	113	28	and	and	CCONJ
easat-10679	113	29	technology	technology	NOUN
easat-10679	113	30	issn	issn	PROPN
easat-10679	113	31	:	:	PUNCT
easat-10679	113	32	2576	2576	NUM
easat-10679	113	33	-	-	SYM
easat-10679	113	34	8484	8484	NUM
easat-10679	113	35	vol	vol	NOUN
easat-10679	113	36	.	.	PROPN
easat-10679	114	1	9	9	NUM
easat-10679	114	2	,	,	PUNCT
easat-10679	114	3	no	no	INTJ
easat-10679	114	4	.	.	NOUN
easat-10679	114	5	10	10	NUM
easat-10679	114	6	:	:	SYM
easat-10679	114	7	1449	1449	NUM
easat-10679	114	8	-	-	SYM
easat-10679	114	9	1458	1458	NUM
easat-10679	114	10	,	,	PUNCT
easat-10679	114	11	2025	2025	NUM
easat-10679	114	12	doi	doi	NOUN
easat-10679	114	13	:	:	PUNCT
easat-10679	114	14	10.55214/2576	10.55214/2576	NUM
easat-10679	114	15	-	-	SYM
easat-10679	114	16	8484.v9i10.10679	8484.v9i10.10679	NUM
easat-10679	115	1	©	©	PROPN
easat-10679	115	2	2025	2025	NUM
easat-10679	115	3	by	by	ADP
easat-10679	115	4	the	the	DET
easat-10679	115	5	authors	author	NOUN
easat-10679	115	6	;	;	PUNCT
easat-10679	115	7	licensee	licensee	PROPN
easat-10679	115	8	learning	learn	VERB
easat-10679	115	9	gate	gate	NOUN
easat-10679	115	10	table	table	NOUN
easat-10679	115	11	1	1	NUM
easat-10679	115	12	.	.	PUNCT
easat-10679	116	1	mean	mean	VERB
easat-10679	116	2	,	,	PUNCT
easat-10679	116	3	standard	standard	ADJ
easat-10679	116	4	deviation	deviation	NOUN
easat-10679	116	5	,	,	PUNCT
easat-10679	116	6	loading	loading	NOUN
easat-10679	116	7	,	,	PUNCT
easat-10679	116	8	cronbach	cronbach	NOUN
easat-10679	116	9	's	's	PART
easat-10679	116	10	alpha	alpha	NOUN
easat-10679	116	11	,	,	PUNCT
easat-10679	116	12	cr	cr	PROPN
easat-10679	116	13	,	,	PUNCT
easat-10679	116	14	ave	ave	PROPN
easat-10679	116	15	.	.	PUNCT
easat-10679	117	1	construction	construction	NOUN
easat-10679	117	2	item	item	PROPN
easat-10679	117	3	m	m	VERB
easat-10679	117	4	sd	sd	ADP
easat-10679	117	5	loading	loading	NOUN
easat-10679	117	6	cronbach	cronbach	ADV
easat-10679	117	7	alpha	alpha	NOUN
easat-10679	117	8	cr	cr	PROPN
easat-10679	117	9	(	(	PUNCT
easat-10679	117	10	>	>	X
easat-10679	117	11	0.7	0.7	NUM
easat-10679	117	12	)	)	PUNCT
easat-10679	117	13	ave	ave	NOUN
easat-10679	117	14	(	(	PUNCT
easat-10679	117	15	>	>	X
easat-10679	117	16	0.5	0.5	NUM
easat-10679	117	17	)	)	PUNCT
easat-10679	117	18	intention	intention	NOUN
easat-10679	117	19	to	to	PART
easat-10679	117	20	use	use	VERB
easat-10679	117	21	iu1	iu1	PROPN
easat-10679	117	22	iu2	iu2	PROPN
easat-10679	117	23	iu3	iu3	VERB
easat-10679	117	24	3.99	3.99	NUM
easat-10679	117	25	0.929	0.929	NUM
easat-10679	117	26	0.90	0.90	NUM
easat-10679	117	27	0.92	0.92	NUM
easat-10679	117	28	0.88	0.88	NUM
easat-10679	117	29	0.888	0.888	NUM
easat-10679	117	30	0.930	0.930	NUM
easat-10679	117	31	0.816	0.816	NUM
easat-10679	117	32	perceived	perceive	VERB
easat-10679	117	33	ease	ease	NOUN
easat-10679	117	34	of	of	ADP
easat-10679	117	35	use	use	NOUN
easat-10679	117	36	peou1	peou1	NOUN
easat-10679	117	37	peou2	peou2	NOUN
easat-10679	117	38	peou3	peou3	NOUN
easat-10679	117	39	peou4	peou4	PROPN
easat-10679	118	1	3.13	3.13	NUM
easat-10679	118	2	0.924	0.924	NUM
easat-10679	118	3	0.89	0.89	NUM
easat-10679	118	4	0.92	0.92	NUM
easat-10679	118	5	0.88	0.88	NUM
easat-10679	118	6	0.90	0.90	NUM
easat-10679	118	7	0.921	0.921	NUM
easat-10679	118	8	0.944	0.944	NUM
easat-10679	118	9	0.809	0.809	NUM
easat-10679	118	10	perceived	perceive	VERB
easat-10679	118	11	usefulness	usefulness	NOUN
easat-10679	118	12	pu1	pu1	NOUN
easat-10679	118	13	pu2	pu2	PROPN
easat-10679	118	14	pu3	pu3	PROPN
easat-10679	118	15	pu4	pu4	VERB
easat-10679	118	16	pu5	pu5	VERB
easat-10679	118	17	4.05	4.05	NUM
easat-10679	118	18	0.891	0.891	NUM
easat-10679	118	19	0.85	0.85	NUM
easat-10679	119	1	0.93	0.93	NUM
easat-10679	119	2	0.91	0.91	NUM
easat-10679	119	3	0.90	0.90	NUM
easat-10679	119	4	0.90	0.90	NUM
easat-10679	119	5	0.944	0.944	NUM
easat-10679	119	6	0.957	0.957	NUM
easat-10679	119	7	0.817	0.817	NUM
easat-10679	119	8	system	system	NOUN
easat-10679	119	9	quality	quality	NOUN
easat-10679	119	10	sq1	sq1	PROPN
easat-10679	119	11	sq2	sq2	PROPN
easat-10679	119	12	sq3	sq3	PROPN
easat-10679	119	13	sq4	sq4	PROPN
easat-10679	119	14	sq5	sq5	PROPN
easat-10679	119	15	3.63	3.63	NUM
easat-10679	119	16	0.919	0.919	NUM
easat-10679	119	17	0.85	0.85	NUM
easat-10679	119	18	0.86	0.86	NUM
easat-10679	119	19	0.85	0.85	NUM
easat-10679	119	20	0.77	0.77	NUM
easat-10679	119	21	0.72	0.72	NUM
easat-10679	119	22	0.878	0.878	NUM
easat-10679	119	23	0.908	0.908	NUM
easat-10679	119	24	0.666	0.666	NUM
easat-10679	119	25	service	service	NOUN
easat-10679	119	26	quality	quality	NOUN
easat-10679	119	27	svq1	svq1	PROPN
easat-10679	119	28	svq2	svq2	PROPN
easat-10679	119	29	svq3	svq3	PROPN
easat-10679	119	30	svq4	svq4	PROPN
easat-10679	119	31	svq5	svq5	PROPN
easat-10679	119	32	svq6	svq6	PROPN
easat-10679	119	33	svq7	svq7	PROPN
easat-10679	119	34	svq8	svq8	PROPN
easat-10679	119	35	svq9	svq9	PROPN
easat-10679	119	36	svq10	svq10	PROPN
easat-10679	119	37	3.79	3.79	NUM
easat-10679	119	38	0.879	0.879	NUM
easat-10679	119	39	0.83	0.83	NUM
easat-10679	119	40	0.83	0.83	NUM
easat-10679	119	41	0.77	0.77	NUM
easat-10679	119	42	0.78	0.78	NUM
easat-10679	119	43	0.77	0.77	NUM
easat-10679	119	44	0.87	0.87	NUM
easat-10679	119	45	0.86	0.86	NUM
easat-10679	119	46	0.87	0.87	NUM
easat-10679	119	47	0.77	0.77	NUM
easat-10679	119	48	0.84	0.84	NUM
easat-10679	119	49	0.947	0.947	NUM
easat-10679	119	50	0.955	0.955	NUM
easat-10679	119	51	0.679	0.679	NUM
easat-10679	119	52	table	table	NOUN
easat-10679	119	53	2	2	NUM
easat-10679	119	54	.	.	NOUN
easat-10679	119	55	result	result	NOUN
easat-10679	119	56	of	of	ADP
easat-10679	119	57	discriminant	discriminant	ADJ
easat-10679	119	58	validity	validity	NOUN
easat-10679	119	59	–	–	PUNCT
easat-10679	119	60	by	by	ADP
easat-10679	119	61	fornell	fornell	NOUN
easat-10679	119	62	-	-	PUNCT
easat-10679	119	63	larcker	larcker	NOUN
easat-10679	119	64	criterion	criterion	NOUN
easat-10679	119	65	variable	variable	NOUN
easat-10679	119	66	iu	iu	ADP
easat-10679	119	67	peou	peou	PROPN
easat-10679	119	68	pu	pu	PROPN
easat-10679	119	69	sq	sq	PROPN
easat-10679	119	70	svq	svq	PROPN
easat-10679	119	71	iu	iu	ADP
easat-10679	119	72	0.904	0.904	NUM
easat-10679	119	73	peou	peou	ADV
easat-10679	119	74	0.861	0.861	NUM
easat-10679	119	75	0.899	0.899	NUM
easat-10679	119	76	pu	pu	PROPN
easat-10679	119	77	0.813	0.813	NUM
easat-10679	119	78	0.864	0.864	NUM
easat-10679	119	79	0.904	0.904	NUM
easat-10679	119	80	sq	sq	NUM
easat-10679	119	81	0.681	0.681	NUM
easat-10679	119	82	0.694	0.694	NUM
easat-10679	119	83	0.728	0.728	NUM
easat-10679	119	84	0.816	0.816	NUM
easat-10679	119	85	svq	svq	NOUN
easat-10679	119	86	0.746	0.746	NUM
easat-10679	119	87	0.770	0.770	NUM
easat-10679	119	88	0.793	0.793	NUM
easat-10679	119	89	0.826	0.826	NUM
easat-10679	119	90	0.824	0.824	NUM
easat-10679	119	91	the	the	DET
easat-10679	119	92	fornell	fornell	NOUN
easat-10679	119	93	-	-	PUNCT
easat-10679	119	94	larcker	larcker	NOUN
easat-10679	119	95	criterion	criterion	NOUN
easat-10679	119	96	has	have	AUX
easat-10679	119	97	been	be	AUX
easat-10679	119	98	used	use	VERB
easat-10679	119	99	to	to	PART
easat-10679	119	100	measure	measure	VERB
easat-10679	119	101	the	the	DET
easat-10679	119	102	convergent	convergent	ADJ
easat-10679	119	103	validity	validity	NOUN
easat-10679	119	104	of	of	ADP
easat-10679	119	105	the	the	DET
easat-10679	119	106	indicators	indicator	NOUN
easat-10679	119	107	(	(	PUNCT
easat-10679	119	108	table	table	NOUN
easat-10679	119	109	2	2	NUM
easat-10679	119	110	)	)	PUNCT
easat-10679	119	111	.	.	PUNCT
easat-10679	120	1	the	the	DET
easat-10679	120	2	italicized	italicize	VERB
easat-10679	120	3	values	value	NOUN
easat-10679	120	4	represent	represent	VERB
easat-10679	120	5	the	the	DET
easat-10679	120	6	square	square	ADJ
easat-10679	120	7	roots	root	NOUN
easat-10679	120	8	of	of	ADP
easat-10679	120	9	the	the	DET
easat-10679	120	10	aves	ave	NOUN
easat-10679	120	11	,	,	PUNCT
easat-10679	120	12	which	which	PRON
easat-10679	120	13	are	be	AUX
easat-10679	120	14	higher	high	ADJ
easat-10679	120	15	than	than	ADP
easat-10679	120	16	the	the	DET
easat-10679	120	17	correlations	correlation	NOUN
easat-10679	120	18	among	among	ADP
easat-10679	120	19	the	the	DET
easat-10679	120	20	constructs	construct	NOUN
easat-10679	120	21	,	,	PUNCT
easat-10679	120	22	thereby	thereby	ADV
easat-10679	120	23	fulfilling	fulfil	VERB
easat-10679	120	24	the	the	DET
easat-10679	120	25	criteria	criterion	NOUN
easat-10679	120	26	for	for	ADP
easat-10679	120	27	linear	linear	ADJ
easat-10679	120	28	validity	validity	NOUN
easat-10679	120	29	.	.	PUNCT
easat-10679	121	1	table	table	NOUN
easat-10679	121	2	3	3	NUM
easat-10679	121	3	.	.	X
easat-10679	121	4	hypothesis	hypothesis	NOUN
easat-10679	121	5	testing	testing	NOUN
easat-10679	121	6	results	result	NOUN
easat-10679	121	7	h1	h1	VERB
easat-10679	121	8	h4	h4	PROPN
easat-10679	121	9	original	original	ADJ
easat-10679	121	10	sample	sample	NOUN
easat-10679	121	11	(	(	PUNCT
easat-10679	121	12	o	o	NOUN
easat-10679	121	13	)	)	PUNCT
easat-10679	121	14	sample	sample	NOUN
easat-10679	122	1	mean	mean	NOUN
easat-10679	122	2	(	(	PUNCT
easat-10679	122	3	m	m	NOUN
easat-10679	122	4	)	)	PUNCT
easat-10679	122	5	standard	standard	ADJ
easat-10679	122	6	deviations	deviation	NOUN
easat-10679	122	7	(	(	PUNCT
easat-10679	122	8	stdev	stdev	NOUN
easat-10679	122	9	)	)	PUNCT
easat-10679	122	10	t	t	PROPN
easat-10679	122	11	statistics	statistic	NOUN
easat-10679	122	12	(	(	PUNCT
easat-10679	122	13	|o	|o	NOUN
easat-10679	122	14	/	/	SYM
easat-10679	122	15	stdev|	stdev|	ADJ
easat-10679	122	16	)	)	PUNCT
easat-10679	122	17	p	p	NOUN
easat-10679	122	18	value	value	NOUN
easat-10679	122	19	decisions	decision	NOUN
easat-10679	122	20	peou	peou	ADV
easat-10679	122	21	-	-	PUNCT
easat-10679	122	22	>	>	X
easat-10679	122	23	iu	iu	ADP
easat-10679	122	24	0.578	0.578	NUM
easat-10679	122	25	0.577	0.577	NUM
easat-10679	122	26	0.084	0.084	NUM
easat-10679	122	27	6.874	6.874	NUM
easat-10679	122	28	0.000	0.000	NUM
easat-10679	122	29	accepted	accept	VERB
easat-10679	122	30	pu	pu	PROPN
easat-10679	122	31	-	-	PUNCT
easat-10679	122	32	>	>	X
easat-10679	122	33	iu	iu	ADP
easat-10679	122	34	0.192	0.192	NUM
easat-10679	122	35	0.187	0.187	NUM
easat-10679	122	36	0.074	0.074	NUM
easat-10679	122	37	2.585	2.585	NUM
easat-10679	122	38	0.010	0.010	NUM
easat-10679	122	39	accepted	accept	VERB
easat-10679	122	40	sq	sq	PROPN
easat-10679	122	41	-	-	PUNCT
easat-10679	122	42	>	>	X
easat-10679	122	43	iu	iu	ADP
easat-10679	122	44	0.056	0.056	NUM
easat-10679	122	45	0.065	0.065	NUM
easat-10679	122	46	0.074	0.074	NUM
easat-10679	122	47	0.754	0.754	NUM
easat-10679	122	48	0.451	0.451	NUM
easat-10679	122	49	rejected	reject	VERB
easat-10679	122	50	svq	svq	PROPN
easat-10679	122	51	-	-	PUNCT
easat-10679	122	52	>	>	X
easat-10679	122	53	iu	iu	ADP
easat-10679	122	54	0.103	0.103	NUM
easat-10679	122	55	0.099	0.099	NUM
easat-10679	122	56	0.095	0.095	NUM
easat-10679	122	57	1.078	1.078	NUM
easat-10679	122	58	0.282	0.282	NUM
easat-10679	122	59	rejected	reject	VERB
easat-10679	122	60	1454	1454	NUM
easat-10679	122	61	edelweiss	edelweiss	PROPN
easat-10679	122	62	applied	apply	VERB
easat-10679	122	63	science	science	NOUN
easat-10679	122	64	and	and	CCONJ
easat-10679	122	65	technology	technology	NOUN
easat-10679	122	66	issn	issn	PROPN
easat-10679	122	67	:	:	PUNCT
easat-10679	122	68	2576	2576	NUM
easat-10679	122	69	-	-	SYM
easat-10679	122	70	8484	8484	NUM
easat-10679	122	71	vol	vol	NOUN
easat-10679	122	72	.	.	PROPN
easat-10679	123	1	9	9	NUM
easat-10679	123	2	,	,	PUNCT
easat-10679	123	3	no	no	INTJ
easat-10679	123	4	.	.	NOUN
easat-10679	123	5	10	10	NUM
easat-10679	123	6	:	:	SYM
easat-10679	123	7	1449	1449	NUM
easat-10679	123	8	-	-	SYM
easat-10679	123	9	1458	1458	NUM
easat-10679	123	10	,	,	PUNCT
easat-10679	123	11	2025	2025	NUM
easat-10679	123	12	doi	doi	NOUN
easat-10679	123	13	:	:	PUNCT
easat-10679	123	14	10.55214/2576	10.55214/2576	NUM
easat-10679	123	15	-	-	SYM
easat-10679	123	16	8484.v9i10.10679	8484.v9i10.10679	NUM
easat-10679	124	1	©	©	PROPN
easat-10679	124	2	2025	2025	NUM
easat-10679	124	3	by	by	ADP
easat-10679	124	4	the	the	DET
easat-10679	124	5	authors	author	NOUN
easat-10679	124	6	;	;	PUNCT
easat-10679	124	7	licensee	licensee	PROPN
easat-10679	124	8	learning	learn	VERB
easat-10679	124	9	gate	gate	PROPN
easat-10679	124	10	table	table	NOUN
easat-10679	124	11	3	3	NUM
easat-10679	124	12	shows	show	VERB
easat-10679	124	13	that	that	SCONJ
easat-10679	124	14	perceived	perceive	VERB
easat-10679	124	15	ease	ease	NOUN
easat-10679	124	16	of	of	ADP
easat-10679	124	17	use	use	NOUN
easat-10679	124	18	and	and	CCONJ
easat-10679	124	19	perceived	perceive	VERB
easat-10679	124	20	usefulness	usefulness	NOUN
easat-10679	124	21	have	have	VERB
easat-10679	124	22	a	a	DET
easat-10679	124	23	positive	positive	ADJ
easat-10679	124	24	effect	effect	NOUN
easat-10679	124	25	on	on	ADP
easat-10679	124	26	the	the	DET
easat-10679	124	27	intention	intention	NOUN
easat-10679	124	28	to	to	PART
easat-10679	124	29	use	use	VERB
easat-10679	124	30	mobile	mobile	ADJ
easat-10679	124	31	payment	payment	NOUN
easat-10679	124	32	,	,	PUNCT
easat-10679	124	33	while	while	SCONJ
easat-10679	124	34	system	system	NOUN
easat-10679	124	35	quality	quality	NOUN
easat-10679	124	36	and	and	CCONJ
easat-10679	124	37	service	service	NOUN
easat-10679	124	38	quality	quality	NOUN
easat-10679	124	39	have	have	VERB
easat-10679	124	40	no	no	DET
easat-10679	124	41	effect	effect	NOUN
easat-10679	124	42	.	.	PUNCT
easat-10679	125	1	table	table	NOUN
easat-10679	125	2	4	4	NUM
easat-10679	125	3	.	.	PUNCT
easat-10679	126	1	r	r	NOUN
easat-10679	126	2	square	square	ADJ
easat-10679	126	3	r	r	NOUN
easat-10679	126	4	square	square	NOUN
easat-10679	126	5	r	r	NOUN
easat-10679	126	6	square	square	ADJ
easat-10679	126	7	adjusted	adjust	VERB
easat-10679	126	8	int	int	NOUN
easat-10679	126	9	0.768	0.768	NUM
easat-10679	126	10	0.590	0.590	NUM
easat-10679	126	11	table	table	NOUN
easat-10679	126	12	4	4	NUM
easat-10679	126	13	shows	show	VERB
easat-10679	126	14	the	the	DET
easat-10679	126	15	r	r	NOUN
easat-10679	126	16	square	square	ADJ
easat-10679	126	17	value	value	NOUN
easat-10679	126	18	of	of	ADP
easat-10679	126	19	0.768	0.768	NUM
easat-10679	126	20	,	,	PUNCT
easat-10679	126	21	indicating	indicate	VERB
easat-10679	126	22	that	that	SCONJ
easat-10679	126	23	all	all	DET
easat-10679	126	24	research	research	NOUN
easat-10679	126	25	variables	variable	NOUN
easat-10679	126	26	contribute	contribute	VERB
easat-10679	126	27	76.8	76.8	NUM
easat-10679	126	28	%	%	NOUN
easat-10679	126	29	,	,	PUNCT
easat-10679	126	30	leaving	leave	VERB
easat-10679	126	31	23.2	23.2	NUM
easat-10679	126	32	%	%	NOUN
easat-10679	126	33	potentially	potentially	ADV
easat-10679	126	34	influenced	influence	VERB
easat-10679	126	35	by	by	ADP
easat-10679	126	36	other	other	ADJ
easat-10679	126	37	factors	factor	NOUN
easat-10679	126	38	not	not	PART
easat-10679	126	39	examined	examine	VERB
easat-10679	126	40	.	.	PUNCT
easat-10679	127	1	5	5	X
easat-10679	127	2	.	.	X
easat-10679	127	3	discussion	discussion	NOUN
easat-10679	127	4	5.1	5.1	NUM
easat-10679	127	5	.	.	PUNCT
easat-10679	128	1	perceived	perceive	VERB
easat-10679	128	2	ease	ease	NOUN
easat-10679	128	3	of	of	ADP
easat-10679	128	4	use	use	NOUN
easat-10679	128	5	,	,	PUNCT
easat-10679	128	6	perceived	perceive	VERB
easat-10679	128	7	usefulness	usefulness	NOUN
easat-10679	128	8	and	and	CCONJ
easat-10679	128	9	intention	intention	NOUN
easat-10679	128	10	to	to	PART
easat-10679	128	11	use	use	VERB
easat-10679	128	12	mobile	mobile	ADJ
easat-10679	128	13	payment	payment	NOUN
easat-10679	128	14	the	the	DET
easat-10679	128	15	results	result	NOUN
easat-10679	128	16	demonstrate	demonstrate	VERB
easat-10679	128	17	that	that	SCONJ
easat-10679	128	18	perceived	perceive	VERB
easat-10679	128	19	ease	ease	NOUN
easat-10679	128	20	of	of	ADP
easat-10679	128	21	use	use	NOUN
easat-10679	128	22	has	have	VERB
easat-10679	128	23	a	a	DET
easat-10679	128	24	positive	positive	ADJ
easat-10679	128	25	effect	effect	NOUN
easat-10679	128	26	on	on	ADP
easat-10679	128	27	the	the	DET
easat-10679	128	28	intention	intention	NOUN
easat-10679	128	29	to	to	PART
easat-10679	128	30	use	use	VERB
easat-10679	128	31	mobile	mobile	ADJ
easat-10679	128	32	payments	payment	NOUN
easat-10679	128	33	.	.	PUNCT
easat-10679	129	1	this	this	PRON
easat-10679	129	2	indicates	indicate	VERB
easat-10679	129	3	that	that	SCONJ
easat-10679	129	4	the	the	PRON
easat-10679	129	5	easier	easy	ADJ
easat-10679	129	6	it	it	PRON
easat-10679	129	7	is	be	AUX
easat-10679	129	8	to	to	PART
easat-10679	129	9	use	use	VERB
easat-10679	129	10	mobile	mobile	ADJ
easat-10679	129	11	payments	payment	NOUN
easat-10679	129	12	,	,	PUNCT
easat-10679	129	13	the	the	DET
easat-10679	129	14	more	more	ADV
easat-10679	129	15	likely	likely	ADJ
easat-10679	129	16	generation	generation	NOUN
easat-10679	129	17	z	z	NOUN
easat-10679	129	18	will	will	AUX
easat-10679	129	19	be	be	AUX
easat-10679	129	20	encouraged	encourage	VERB
easat-10679	129	21	to	to	PART
easat-10679	129	22	adopt	adopt	VERB
easat-10679	129	23	them	they	PRON
easat-10679	129	24	.	.	PUNCT
easat-10679	130	1	this	this	DET
easat-10679	130	2	finding	finding	NOUN
easat-10679	130	3	aligns	align	VERB
easat-10679	130	4	with	with	ADP
easat-10679	130	5	previous	previous	ADJ
easat-10679	130	6	research	research	NOUN
easat-10679	130	7	showing	show	VERB
easat-10679	130	8	that	that	SCONJ
easat-10679	130	9	perceived	perceive	VERB
easat-10679	130	10	ease	ease	NOUN
easat-10679	130	11	of	of	ADP
easat-10679	130	12	use	use	NOUN
easat-10679	130	13	positively	positively	ADV
easat-10679	130	14	influences	influence	VERB
easat-10679	130	15	the	the	DET
easat-10679	130	16	intention	intention	NOUN
easat-10679	130	17	to	to	PART
easat-10679	130	18	use	use	VERB
easat-10679	130	19	a	a	DET
easat-10679	130	20	mobile	mobile	ADJ
easat-10679	130	21	payment	payment	NOUN
easat-10679	130	22	system	system	NOUN
easat-10679	130	23	[	[	X
easat-10679	130	24	23	23	NUM
easat-10679	130	25	,	,	PUNCT
easat-10679	130	26	24	24	NUM
easat-10679	130	27	]	]	PUNCT
easat-10679	130	28	.	.	PUNCT
easat-10679	131	1	furthermore	furthermore	ADV
easat-10679	131	2	,	,	PUNCT
easat-10679	131	3	this	this	DET
easat-10679	131	4	research	research	NOUN
easat-10679	131	5	aligns	align	VERB
easat-10679	131	6	with	with	ADP
easat-10679	131	7	previous	previous	ADJ
easat-10679	131	8	studies	study	NOUN
easat-10679	131	9	conducted	conduct	VERB
easat-10679	131	10	in	in	ADP
easat-10679	131	11	india	india	PROPN
easat-10679	131	12	,	,	PUNCT
easat-10679	131	13	hungary	hungary	PROPN
easat-10679	131	14	,	,	PUNCT
easat-10679	131	15	and	and	CCONJ
easat-10679	131	16	france	france	PROPN
easat-10679	131	17	,	,	PUNCT
easat-10679	131	18	which	which	PRON
easat-10679	131	19	found	find	VERB
easat-10679	131	20	that	that	SCONJ
easat-10679	131	21	perceived	perceive	VERB
easat-10679	131	22	ease	ease	NOUN
easat-10679	131	23	of	of	ADP
easat-10679	131	24	use	use	NOUN
easat-10679	131	25	has	have	VERB
easat-10679	131	26	a	a	DET
easat-10679	131	27	positive	positive	ADJ
easat-10679	131	28	effect	effect	NOUN
easat-10679	131	29	on	on	ADP
easat-10679	131	30	e	e	NOUN
easat-10679	131	31	-	-	NOUN
easat-10679	131	32	wallet	wallet	NOUN
easat-10679	131	33	usage	usage	NOUN
easat-10679	131	34	[	[	X
easat-10679	131	35	25	25	NUM
easat-10679	131	36	-	-	SYM
easat-10679	131	37	27	27	NUM
easat-10679	131	38	]	]	PUNCT
easat-10679	131	39	.	.	PUNCT
easat-10679	132	1	when	when	SCONJ
easat-10679	132	2	mobile	mobile	ADJ
easat-10679	132	3	payment	payment	NOUN
easat-10679	132	4	users	user	NOUN
easat-10679	132	5	feel	feel	VERB
easat-10679	132	6	that	that	SCONJ
easat-10679	132	7	mobile	mobile	ADJ
easat-10679	132	8	payments	payment	NOUN
easat-10679	132	9	are	be	AUX
easat-10679	132	10	convenient	convenient	ADJ
easat-10679	132	11	to	to	PART
easat-10679	132	12	use	use	VERB
easat-10679	132	13	and	and	CCONJ
easat-10679	132	14	create	create	VERB
easat-10679	132	15	efficiency	efficiency	NOUN
easat-10679	132	16	,	,	PUNCT
easat-10679	132	17	the	the	DET
easat-10679	132	18	intention	intention	NOUN
easat-10679	132	19	of	of	ADP
easat-10679	132	20	students	student	NOUN
easat-10679	132	21	to	to	PART
easat-10679	132	22	use	use	VERB
easat-10679	132	23	mobile	mobile	ADJ
easat-10679	132	24	payments	payment	NOUN
easat-10679	132	25	will	will	AUX
easat-10679	132	26	increase	increase	VERB
easat-10679	132	27	.	.	PUNCT
easat-10679	133	1	students	student	NOUN
easat-10679	133	2	argue	argue	VERB
easat-10679	133	3	that	that	SCONJ
easat-10679	133	4	transactions	transaction	NOUN
easat-10679	133	5	are	be	AUX
easat-10679	133	6	quick	quick	ADJ
easat-10679	133	7	and	and	CCONJ
easat-10679	133	8	easy	easy	ADJ
easat-10679	133	9	without	without	ADP
easat-10679	133	10	having	have	VERB
easat-10679	133	11	to	to	PART
easat-10679	133	12	carry	carry	VERB
easat-10679	133	13	physical	physical	ADJ
easat-10679	133	14	cash	cash	NOUN
easat-10679	133	15	or	or	CCONJ
easat-10679	133	16	cards	card	NOUN
easat-10679	133	17	.	.	PUNCT
easat-10679	134	1	security	security	NOUN
easat-10679	134	2	factors	factor	NOUN
easat-10679	134	3	are	be	AUX
easat-10679	134	4	also	also	ADV
easat-10679	134	5	a	a	DET
easat-10679	134	6	consideration	consideration	NOUN
easat-10679	134	7	for	for	ADP
easat-10679	134	8	users	user	NOUN
easat-10679	134	9	,	,	PUNCT
easat-10679	134	10	such	such	ADJ
easat-10679	134	11	as	as	ADP
easat-10679	134	12	biometric	biometric	ADJ
easat-10679	134	13	verification	verification	NOUN
easat-10679	134	14	and	and	CCONJ
easat-10679	134	15	data	datum	NOUN
easat-10679	134	16	encryption	encryption	NOUN
easat-10679	134	17	.	.	PUNCT
easat-10679	135	1	mobile	mobile	ADJ
easat-10679	135	2	payment	payment	NOUN
easat-10679	135	3	allows	allow	VERB
easat-10679	135	4	users	user	NOUN
easat-10679	135	5	to	to	PART
easat-10679	135	6	make	make	VERB
easat-10679	135	7	transactions	transaction	NOUN
easat-10679	135	8	anytime	anytime	ADV
easat-10679	135	9	and	and	CCONJ
easat-10679	135	10	anywhere	anywhere	ADV
easat-10679	135	11	as	as	ADV
easat-10679	135	12	long	long	ADV
easat-10679	135	13	as	as	SCONJ
easat-10679	135	14	they	they	PRON
easat-10679	135	15	have	have	VERB
easat-10679	135	16	access	access	NOUN
easat-10679	135	17	to	to	ADP
easat-10679	135	18	mobile	mobile	ADJ
easat-10679	135	19	devices	device	NOUN
easat-10679	135	20	and	and	CCONJ
easat-10679	135	21	the	the	DET
easat-10679	135	22	internet	internet	NOUN
easat-10679	135	23	.	.	PUNCT
easat-10679	136	1	mobile	mobile	ADJ
easat-10679	136	2	payment	payment	NOUN
easat-10679	136	3	can	can	AUX
easat-10679	136	4	also	also	ADV
easat-10679	136	5	be	be	AUX
easat-10679	136	6	integrated	integrate	VERB
easat-10679	136	7	with	with	ADP
easat-10679	136	8	various	various	ADJ
easat-10679	136	9	other	other	ADJ
easat-10679	136	10	services	service	NOUN
easat-10679	136	11	such	such	ADJ
easat-10679	136	12	as	as	ADP
easat-10679	136	13	e	e	NOUN
easat-10679	136	14	-	-	NOUN
easat-10679	136	15	commerce	commerce	NOUN
easat-10679	136	16	,	,	PUNCT
easat-10679	136	17	transportation	transportation	NOUN
easat-10679	136	18	,	,	PUNCT
easat-10679	136	19	and	and	CCONJ
easat-10679	136	20	bill	bill	NOUN
easat-10679	136	21	payment	payment	NOUN
easat-10679	136	22	,	,	PUNCT
easat-10679	136	23	which	which	PRON
easat-10679	136	24	makes	make	VERB
easat-10679	136	25	it	it	PRON
easat-10679	136	26	more	more	ADV
easat-10679	136	27	attractive	attractive	ADJ
easat-10679	136	28	to	to	PART
easat-10679	136	29	use	use	VERB
easat-10679	136	30	in	in	ADP
easat-10679	136	31	everyday	everyday	ADJ
easat-10679	136	32	life	life	NOUN
easat-10679	136	33	.	.	PUNCT
easat-10679	137	1	the	the	DET
easat-10679	137	2	results	result	NOUN
easat-10679	137	3	showed	show	VERB
easat-10679	137	4	that	that	SCONJ
easat-10679	137	5	the	the	DET
easat-10679	137	6	benefits	benefit	NOUN
easat-10679	137	7	of	of	ADP
easat-10679	137	8	using	use	VERB
easat-10679	137	9	mobile	mobile	ADJ
easat-10679	137	10	payment	payment	NOUN
easat-10679	137	11	can	can	AUX
easat-10679	137	12	have	have	VERB
easat-10679	137	13	a	a	DET
easat-10679	137	14	positive	positive	ADJ
easat-10679	137	15	effect	effect	NOUN
easat-10679	137	16	on	on	ADP
easat-10679	137	17	interest	interest	NOUN
easat-10679	137	18	in	in	ADP
easat-10679	137	19	using	use	VERB
easat-10679	137	20	the	the	DET
easat-10679	137	21	application	application	NOUN
easat-10679	137	22	.	.	PUNCT
easat-10679	138	1	mobile	mobile	ADJ
easat-10679	138	2	payments	payment	NOUN
easat-10679	138	3	allow	allow	VERB
easat-10679	138	4	users	user	NOUN
easat-10679	138	5	to	to	PART
easat-10679	138	6	make	make	VERB
easat-10679	138	7	transactions	transaction	NOUN
easat-10679	138	8	quickly	quickly	ADV
easat-10679	138	9	and	and	CCONJ
easat-10679	138	10	efficiently	efficiently	ADV
easat-10679	138	11	without	without	ADP
easat-10679	138	12	the	the	DET
easat-10679	138	13	need	need	NOUN
easat-10679	138	14	to	to	PART
easat-10679	138	15	carry	carry	VERB
easat-10679	138	16	physical	physical	ADJ
easat-10679	138	17	cash	cash	NOUN
easat-10679	138	18	or	or	CCONJ
easat-10679	138	19	cards	card	NOUN
easat-10679	138	20	.	.	PUNCT
easat-10679	139	1	this	this	PRON
easat-10679	139	2	makes	make	VERB
easat-10679	139	3	it	it	PRON
easat-10679	139	4	very	very	ADV
easat-10679	139	5	easy	easy	ADV
easat-10679	139	6	in	in	ADP
easat-10679	139	7	various	various	ADJ
easat-10679	139	8	situations	situation	NOUN
easat-10679	139	9	,	,	PUNCT
easat-10679	139	10	such	such	ADJ
easat-10679	139	11	as	as	ADP
easat-10679	139	12	shopping	shopping	NOUN
easat-10679	139	13	,	,	PUNCT
easat-10679	139	14	paying	pay	VERB
easat-10679	139	15	bills	bill	NOUN
easat-10679	139	16	,	,	PUNCT
easat-10679	139	17	or	or	CCONJ
easat-10679	139	18	making	make	VERB
easat-10679	139	19	fund	fund	NOUN
easat-10679	139	20	transfers	transfer	NOUN
easat-10679	139	21	.	.	PUNCT
easat-10679	140	1	mobile	mobile	ADJ
easat-10679	140	2	payments	payment	NOUN
easat-10679	140	3	can	can	AUX
easat-10679	140	4	be	be	AUX
easat-10679	140	5	accessed	access	VERB
easat-10679	140	6	anytime	anytime	ADV
easat-10679	140	7	and	and	CCONJ
easat-10679	140	8	anywhere	anywhere	ADV
easat-10679	140	9	as	as	ADV
easat-10679	140	10	long	long	ADV
easat-10679	140	11	as	as	SCONJ
easat-10679	140	12	users	user	NOUN
easat-10679	140	13	have	have	VERB
easat-10679	140	14	a	a	DET
easat-10679	140	15	mobile	mobile	ADJ
easat-10679	140	16	device	device	NOUN
easat-10679	140	17	and	and	CCONJ
easat-10679	140	18	an	an	DET
easat-10679	140	19	internet	internet	NOUN
easat-10679	140	20	connection	connection	NOUN
easat-10679	140	21	.	.	PUNCT
easat-10679	141	1	this	this	PRON
easat-10679	141	2	provides	provide	VERB
easat-10679	141	3	enormous	enormous	ADJ
easat-10679	141	4	flexibility	flexibility	NOUN
easat-10679	141	5	and	and	CCONJ
easat-10679	141	6	supports	support	VERB
easat-10679	141	7	an	an	DET
easat-10679	141	8	active	active	ADJ
easat-10679	141	9	and	and	CCONJ
easat-10679	141	10	mobile	mobile	ADJ
easat-10679	141	11	lifestyle	lifestyle	NOUN
easat-10679	141	12	.	.	PUNCT
easat-10679	142	1	mobile	mobile	ADJ
easat-10679	142	2	payment	payment	NOUN
easat-10679	142	3	users	user	NOUN
easat-10679	142	4	do	do	AUX
easat-10679	142	5	not	not	PART
easat-10679	142	6	need	need	VERB
easat-10679	142	7	to	to	PART
easat-10679	142	8	bother	bother	VERB
easat-10679	142	9	carrying	carry	VERB
easat-10679	142	10	a	a	DET
easat-10679	142	11	physical	physical	ADJ
easat-10679	142	12	wallet	wallet	NOUN
easat-10679	142	13	or	or	CCONJ
easat-10679	142	14	remembering	remember	VERB
easat-10679	142	15	various	various	ADJ
easat-10679	142	16	pins	pin	NOUN
easat-10679	142	17	and	and	CCONJ
easat-10679	142	18	passwords	password	NOUN
easat-10679	142	19	for	for	ADP
easat-10679	142	20	different	different	ADJ
easat-10679	142	21	payment	payment	NOUN
easat-10679	142	22	cards	card	NOUN
easat-10679	142	23	.	.	PUNCT
easat-10679	143	1	all	all	DET
easat-10679	143	2	payments	payment	NOUN
easat-10679	143	3	can	can	AUX
easat-10679	143	4	be	be	AUX
easat-10679	143	5	made	make	VERB
easat-10679	143	6	through	through	ADP
easat-10679	143	7	a	a	DET
easat-10679	143	8	single	single	ADJ
easat-10679	143	9	app	app	NOUN
easat-10679	143	10	on	on	ADP
easat-10679	143	11	the	the	DET
easat-10679	143	12	phone	phone	NOUN
easat-10679	143	13	.	.	PUNCT
easat-10679	144	1	in	in	ADP
easat-10679	144	2	addition	addition	NOUN
easat-10679	144	3	,	,	PUNCT
easat-10679	144	4	many	many	ADJ
easat-10679	144	5	mobile	mobile	ADJ
easat-10679	144	6	payment	payment	NOUN
easat-10679	144	7	apps	app	NOUN
easat-10679	144	8	offer	offer	VERB
easat-10679	144	9	additional	additional	ADJ
easat-10679	144	10	features	feature	NOUN
easat-10679	144	11	such	such	ADJ
easat-10679	144	12	as	as	ADP
easat-10679	144	13	financial	financial	ADJ
easat-10679	144	14	management	management	NOUN
easat-10679	144	15	,	,	PUNCT
easat-10679	144	16	transaction	transaction	NOUN
easat-10679	144	17	records	record	NOUN
easat-10679	144	18	,	,	PUNCT
easat-10679	144	19	spending	spend	VERB
easat-10679	144	20	analysis	analysis	NOUN
easat-10679	144	21	,	,	PUNCT
easat-10679	144	22	and	and	CCONJ
easat-10679	144	23	loyalty	loyalty	NOUN
easat-10679	144	24	programs	program	NOUN
easat-10679	144	25	.	.	PUNCT
easat-10679	145	1	these	these	DET
easat-10679	145	2	features	feature	NOUN
easat-10679	145	3	add	add	VERB
easat-10679	145	4	value	value	NOUN
easat-10679	145	5	to	to	ADP
easat-10679	145	6	users	user	NOUN
easat-10679	145	7	and	and	CCONJ
easat-10679	145	8	enhance	enhance	VERB
easat-10679	145	9	their	their	PRON
easat-10679	145	10	experience	experience	NOUN
easat-10679	145	11	of	of	ADP
easat-10679	145	12	using	use	VERB
easat-10679	145	13	the	the	DET
easat-10679	145	14	service	service	NOUN
easat-10679	145	15	.	.	PUNCT
easat-10679	146	1	previous	previous	ADJ
easat-10679	146	2	studies	study	NOUN
easat-10679	146	3	in	in	ADP
easat-10679	146	4	the	the	DET
easat-10679	146	5	united	united	PROPN
easat-10679	146	6	states	states	PROPN
easat-10679	146	7	,	,	PUNCT
easat-10679	146	8	china	china	PROPN
easat-10679	146	9	,	,	PUNCT
easat-10679	146	10	india	india	PROPN
easat-10679	146	11	,	,	PUNCT
easat-10679	146	12	germany	germany	PROPN
easat-10679	146	13	,	,	PUNCT
easat-10679	146	14	and	and	CCONJ
easat-10679	146	15	brazil	brazil	PROPN
easat-10679	146	16	prove	prove	VERB
easat-10679	146	17	that	that	SCONJ
easat-10679	146	18	perceived	perceive	VERB
easat-10679	146	19	usefulness	usefulness	NOUN
easat-10679	146	20	significantly	significantly	ADV
easat-10679	146	21	influenced	influence	VERB
easat-10679	146	22	users	user	NOUN
easat-10679	146	23	'	'	PART
easat-10679	146	24	intentions	intention	NOUN
easat-10679	146	25	to	to	PART
easat-10679	146	26	adopt	adopt	VERB
easat-10679	146	27	applications	application	NOUN
easat-10679	146	28	[	[	X
easat-10679	146	29	28	28	NUM
easat-10679	146	30	-	-	SYM
easat-10679	146	31	32	32	NUM
easat-10679	146	32	]	]	PUNCT
easat-10679	146	33	.	.	PUNCT
easat-10679	147	1	the	the	DET
easat-10679	147	2	results	result	NOUN
easat-10679	147	3	of	of	ADP
easat-10679	147	4	this	this	DET
easat-10679	147	5	study	study	NOUN
easat-10679	147	6	support	support	VERB
easat-10679	147	7	the	the	DET
easat-10679	147	8	technology	technology	NOUN
easat-10679	147	9	acceptance	acceptance	NOUN
easat-10679	147	10	model	model	NOUN
easat-10679	147	11	(	(	PUNCT
easat-10679	147	12	tam	tam	PROPN
easat-10679	147	13	)	)	PUNCT
easat-10679	147	14	developed	develop	VERB
easat-10679	147	15	by	by	ADP
easat-10679	147	16	davis	davis	PROPN
easat-10679	148	1	[	[	X
easat-10679	148	2	33	33	NUM
easat-10679	148	3	]	]	PUNCT
easat-10679	148	4	to	to	PART
easat-10679	148	5	explain	explain	VERB
easat-10679	148	6	and	and	CCONJ
easat-10679	148	7	predict	predict	VERB
easat-10679	148	8	the	the	DET
easat-10679	148	9	acceptance	acceptance	NOUN
easat-10679	148	10	of	of	ADP
easat-10679	148	11	technology	technology	NOUN
easat-10679	148	12	by	by	ADP
easat-10679	148	13	users	user	NOUN
easat-10679	148	14	.	.	PUNCT
easat-10679	149	1	the	the	PRON
easat-10679	149	2	higher	high	ADJ
easat-10679	149	3	a	a	DET
easat-10679	149	4	person	person	NOUN
easat-10679	149	5	's	's	PART
easat-10679	149	6	perception	perception	NOUN
easat-10679	149	7	of	of	ADP
easat-10679	149	8	the	the	DET
easat-10679	149	9	benefits	benefit	NOUN
easat-10679	149	10	and	and	CCONJ
easat-10679	149	11	ease	ease	NOUN
easat-10679	149	12	of	of	ADP
easat-10679	149	13	use	use	NOUN
easat-10679	149	14	of	of	ADP
easat-10679	149	15	a	a	DET
easat-10679	149	16	technology	technology	NOUN
easat-10679	149	17	,	,	PUNCT
easat-10679	149	18	the	the	PRON
easat-10679	149	19	more	more	ADV
easat-10679	149	20	likely	likely	ADJ
easat-10679	149	21	they	they	PRON
easat-10679	149	22	are	be	AUX
easat-10679	149	23	to	to	PART
easat-10679	149	24	accept	accept	VERB
easat-10679	149	25	and	and	CCONJ
easat-10679	149	26	use	use	VERB
easat-10679	149	27	the	the	DET
easat-10679	149	28	technology	technology	NOUN
easat-10679	149	29	.	.	PUNCT
easat-10679	150	1	5.2	5.2	NUM
easat-10679	150	2	.	.	PUNCT
easat-10679	150	3	system	system	NOUN
easat-10679	150	4	quality	quality	NOUN
easat-10679	150	5	,	,	PUNCT
easat-10679	150	6	service	service	NOUN
easat-10679	150	7	quality	quality	NOUN
easat-10679	150	8	and	and	CCONJ
easat-10679	150	9	the	the	DET
easat-10679	150	10	intention	intention	NOUN
easat-10679	150	11	to	to	PART
easat-10679	150	12	use	use	VERB
easat-10679	150	13	mobile	mobile	ADJ
easat-10679	150	14	payment	payment	NOUN
easat-10679	150	15	the	the	DET
easat-10679	150	16	results	result	NOUN
easat-10679	150	17	of	of	ADP
easat-10679	150	18	this	this	DET
easat-10679	150	19	study	study	NOUN
easat-10679	150	20	demonstrate	demonstrate	VERB
easat-10679	150	21	that	that	SCONJ
easat-10679	150	22	system	system	NOUN
easat-10679	150	23	quality	quality	NOUN
easat-10679	150	24	has	have	VERB
easat-10679	150	25	no	no	DET
easat-10679	150	26	significant	significant	ADJ
easat-10679	150	27	effect	effect	NOUN
easat-10679	150	28	on	on	ADP
easat-10679	150	29	the	the	DET
easat-10679	150	30	intention	intention	NOUN
easat-10679	150	31	to	to	PART
easat-10679	150	32	use	use	VERB
easat-10679	150	33	mobile	mobile	ADJ
easat-10679	150	34	payments	payment	NOUN
easat-10679	150	35	.	.	PUNCT
easat-10679	151	1	although	although	SCONJ
easat-10679	151	2	system	system	NOUN
easat-10679	151	3	quality	quality	NOUN
easat-10679	151	4	is	be	AUX
easat-10679	151	5	important	important	ADJ
easat-10679	151	6	,	,	PUNCT
easat-10679	151	7	it	it	PRON
easat-10679	151	8	is	be	AUX
easat-10679	151	9	not	not	PART
easat-10679	151	10	always	always	ADV
easat-10679	151	11	the	the	DET
easat-10679	151	12	primary	primary	ADJ
easat-10679	151	13	factor	factor	NOUN
easat-10679	151	14	influencing	influence	VERB
easat-10679	151	15	user	user	NOUN
easat-10679	151	16	interest	interest	NOUN
easat-10679	151	17	in	in	ADP
easat-10679	151	18	adopting	adopt	VERB
easat-10679	151	19	mobile	mobile	ADJ
easat-10679	151	20	payments	payment	NOUN
easat-10679	151	21	.	.	PUNCT
easat-10679	152	1	if	if	SCONJ
easat-10679	152	2	the	the	DET
easat-10679	152	3	user	user	NOUN
easat-10679	152	4	experience	experience	NOUN
easat-10679	152	5	is	be	AUX
easat-10679	152	6	not	not	PART
easat-10679	152	7	intuitive	intuitive	ADJ
easat-10679	152	8	or	or	CCONJ
easat-10679	152	9	is	be	AUX
easat-10679	152	10	difficult	difficult	ADJ
easat-10679	152	11	to	to	PART
easat-10679	152	12	understand	understand	VERB
easat-10679	152	13	,	,	PUNCT
easat-10679	152	14	users	user	NOUN
easat-10679	152	15	may	may	AUX
easat-10679	152	16	lack	lack	VERB
easat-10679	152	17	interest	interest	NOUN
easat-10679	152	18	in	in	ADP
easat-10679	152	19	using	use	VERB
easat-10679	152	20	the	the	DET
easat-10679	152	21	service	service	NOUN
easat-10679	152	22	.	.	PUNCT
easat-10679	153	1	a	a	DET
easat-10679	153	2	sense	sense	NOUN
easat-10679	153	3	of	of	ADP
easat-10679	153	4	security	security	NOUN
easat-10679	153	5	and	and	CCONJ
easat-10679	153	6	trust	trust	NOUN
easat-10679	153	7	in	in	ADP
easat-10679	153	8	the	the	DET
easat-10679	153	9	mobile	mobile	ADJ
easat-10679	153	10	payment	payment	NOUN
easat-10679	153	11	platform	platform	NOUN
easat-10679	153	12	is	be	AUX
easat-10679	153	13	crucial	crucial	ADJ
easat-10679	153	14	;	;	PUNCT
easat-10679	153	15	if	if	SCONJ
easat-10679	153	16	users	user	NOUN
easat-10679	153	17	perceive	perceive	VERB
easat-10679	153	18	security	security	NOUN
easat-10679	153	19	risks	risk	NOUN
easat-10679	153	20	despite	despite	SCONJ
easat-10679	153	21	the	the	DET
easat-10679	153	22	system	system	NOUN
easat-10679	153	23	's	's	PART
easat-10679	153	24	quality	quality	NOUN
easat-10679	153	25	,	,	PUNCT
easat-10679	153	26	their	their	PRON
easat-10679	153	27	interest	interest	NOUN
easat-10679	153	28	may	may	AUX
easat-10679	153	29	diminish	diminish	VERB
easat-10679	153	30	.	.	PUNCT
easat-10679	154	1	users	user	NOUN
easat-10679	154	2	seek	seek	VERB
easat-10679	154	3	solutions	solution	NOUN
easat-10679	154	4	that	that	PRON
easat-10679	154	5	are	be	AUX
easat-10679	154	6	easily	easily	ADV
easat-10679	154	7	accessible	accessible	ADJ
easat-10679	154	8	and	and	CCONJ
easat-10679	154	9	can	can	AUX
easat-10679	154	10	be	be	AUX
easat-10679	154	11	integrated	integrate	VERB
easat-10679	154	12	with	with	ADP
easat-10679	154	13	other	other	ADJ
easat-10679	154	14	1455	1455	NUM
easat-10679	154	15	edelweiss	edelweiss	PROPN
easat-10679	154	16	applied	apply	VERB
easat-10679	154	17	science	science	NOUN
easat-10679	154	18	and	and	CCONJ
easat-10679	154	19	technology	technology	NOUN
easat-10679	154	20	issn	issn	PROPN
easat-10679	154	21	:	:	PUNCT
easat-10679	154	22	2576	2576	NUM
easat-10679	154	23	-	-	SYM
easat-10679	154	24	8484	8484	NUM
easat-10679	154	25	vol	vol	NOUN
easat-10679	154	26	.	.	PROPN
easat-10679	155	1	9	9	NUM
easat-10679	155	2	,	,	PUNCT
easat-10679	155	3	no	no	INTJ
easat-10679	155	4	.	.	NOUN
easat-10679	155	5	10	10	NUM
easat-10679	155	6	:	:	SYM
easat-10679	155	7	1449	1449	NUM
easat-10679	155	8	-	-	SYM
easat-10679	155	9	1458	1458	NUM
easat-10679	155	10	,	,	PUNCT
easat-10679	155	11	2025	2025	NUM
easat-10679	155	12	doi	doi	NOUN
easat-10679	155	13	:	:	PUNCT
easat-10679	155	14	10.55214/2576	10.55214/2576	NUM
easat-10679	155	15	-	-	SYM
easat-10679	155	16	8484.v9i10.10679	8484.v9i10.10679	NUM
easat-10679	156	1	©	©	PROPN
easat-10679	156	2	2025	2025	NUM
easat-10679	156	3	by	by	ADP
easat-10679	156	4	the	the	DET
easat-10679	156	5	authors	author	NOUN
easat-10679	156	6	;	;	PUNCT
easat-10679	156	7	licensee	licensee	PROPN
easat-10679	156	8	learning	learning	NOUN
easat-10679	156	9	gate	gate	PROPN
easat-10679	156	10	daily	daily	ADV
easat-10679	156	11	-	-	PUNCT
easat-10679	156	12	used	use	VERB
easat-10679	156	13	services	service	NOUN
easat-10679	156	14	such	such	ADJ
easat-10679	156	15	as	as	ADP
easat-10679	156	16	e	e	NOUN
easat-10679	156	17	-	-	NOUN
easat-10679	156	18	commerce	commerce	NOUN
easat-10679	156	19	or	or	CCONJ
easat-10679	156	20	transportation	transportation	NOUN
easat-10679	156	21	.	.	PUNCT
easat-10679	157	1	many	many	ADJ
easat-10679	157	2	users	user	NOUN
easat-10679	157	3	are	be	AUX
easat-10679	157	4	attracted	attract	VERB
easat-10679	157	5	to	to	ADP
easat-10679	157	6	mobile	mobile	ADJ
easat-10679	157	7	payments	payment	NOUN
easat-10679	157	8	due	due	ADJ
easat-10679	157	9	to	to	ADP
easat-10679	157	10	promotional	promotional	ADJ
easat-10679	157	11	offers	offer	NOUN
easat-10679	157	12	,	,	PUNCT
easat-10679	157	13	discounts	discount	NOUN
easat-10679	157	14	,	,	PUNCT
easat-10679	157	15	or	or	CCONJ
easat-10679	157	16	cashback	cashback	NOUN
easat-10679	157	17	incentives	incentive	NOUN
easat-10679	157	18	.	.	PUNCT
easat-10679	158	1	without	without	ADP
easat-10679	158	2	these	these	DET
easat-10679	158	3	incentives	incentive	NOUN
easat-10679	158	4	,	,	PUNCT
easat-10679	158	5	even	even	ADV
easat-10679	158	6	a	a	DET
easat-10679	158	7	highquality	highquality	NOUN
easat-10679	158	8	system	system	NOUN
easat-10679	158	9	may	may	AUX
easat-10679	158	10	not	not	PART
easat-10679	158	11	sustain	sustain	VERB
easat-10679	158	12	user	user	NOUN
easat-10679	158	13	interest	interest	NOUN
easat-10679	158	14	.	.	PUNCT
easat-10679	159	1	the	the	DET
easat-10679	159	2	availability	availability	NOUN
easat-10679	159	3	of	of	ADP
easat-10679	159	4	simpler	simple	ADJ
easat-10679	159	5	or	or	CCONJ
easat-10679	159	6	more	more	ADV
easat-10679	159	7	popular	popular	ADJ
easat-10679	159	8	alternatives	alternative	NOUN
easat-10679	159	9	can	can	AUX
easat-10679	159	10	lead	lead	VERB
easat-10679	159	11	users	user	NOUN
easat-10679	159	12	to	to	PART
easat-10679	159	13	prefer	prefer	VERB
easat-10679	159	14	other	other	ADJ
easat-10679	159	15	services	service	NOUN
easat-10679	159	16	,	,	PUNCT
easat-10679	159	17	even	even	ADV
easat-10679	159	18	if	if	SCONJ
easat-10679	159	19	a	a	DET
easat-10679	159	20	quality	quality	NOUN
easat-10679	159	21	mobile	mobile	ADJ
easat-10679	159	22	payment	payment	NOUN
easat-10679	159	23	system	system	NOUN
easat-10679	159	24	exists	exist	VERB
easat-10679	159	25	.	.	PUNCT
easat-10679	160	1	perceptions	perception	NOUN
easat-10679	160	2	of	of	ADP
easat-10679	160	3	new	new	ADJ
easat-10679	160	4	technology	technology	NOUN
easat-10679	160	5	and	and	CCONJ
easat-10679	160	6	habitual	habitual	ADJ
easat-10679	160	7	behaviors	behavior	NOUN
easat-10679	160	8	significantly	significantly	ADV
easat-10679	160	9	influence	influence	VERB
easat-10679	160	10	adoption	adoption	NOUN
easat-10679	160	11	.	.	PUNCT
easat-10679	161	1	users	user	NOUN
easat-10679	161	2	accustomed	accustom	VERB
easat-10679	161	3	to	to	ADP
easat-10679	161	4	traditional	traditional	ADJ
easat-10679	161	5	payment	payment	NOUN
easat-10679	161	6	methods	method	NOUN
easat-10679	161	7	may	may	AUX
easat-10679	161	8	require	require	VERB
easat-10679	161	9	more	more	ADJ
easat-10679	161	10	than	than	ADP
easat-10679	161	11	just	just	ADV
easat-10679	161	12	a	a	DET
easat-10679	161	13	quality	quality	NOUN
easat-10679	161	14	system	system	NOUN
easat-10679	161	15	to	to	PART
easat-10679	161	16	switch	switch	VERB
easat-10679	161	17	to	to	ADP
easat-10679	161	18	mobile	mobile	ADJ
easat-10679	161	19	payments	payment	NOUN
easat-10679	161	20	.	.	PUNCT
easat-10679	162	1	the	the	DET
easat-10679	162	2	results	result	NOUN
easat-10679	162	3	of	of	ADP
easat-10679	162	4	this	this	DET
easat-10679	162	5	study	study	NOUN
easat-10679	162	6	are	be	AUX
easat-10679	162	7	consistent	consistent	ADJ
easat-10679	162	8	with	with	ADP
easat-10679	162	9	[	[	PUNCT
easat-10679	162	10	34	34	NUM
easat-10679	162	11	-	-	SYM
easat-10679	162	12	36	36	NUM
easat-10679	162	13	]	]	PUNCT
easat-10679	162	14	that	that	SCONJ
easat-10679	162	15	although	although	SCONJ
easat-10679	162	16	system	system	NOUN
easat-10679	162	17	quality	quality	NOUN
easat-10679	162	18	affects	affect	VERB
easat-10679	162	19	ease	ease	NOUN
easat-10679	162	20	of	of	ADP
easat-10679	162	21	use	use	NOUN
easat-10679	162	22	,	,	PUNCT
easat-10679	162	23	system	system	NOUN
easat-10679	162	24	quality	quality	NOUN
easat-10679	162	25	itself	itself	PRON
easat-10679	162	26	does	do	AUX
easat-10679	162	27	not	not	PART
easat-10679	162	28	have	have	VERB
easat-10679	162	29	a	a	DET
easat-10679	162	30	significant	significant	ADJ
easat-10679	162	31	effect	effect	NOUN
easat-10679	162	32	on	on	ADP
easat-10679	162	33	the	the	DET
easat-10679	162	34	intention	intention	NOUN
easat-10679	162	35	to	to	PART
easat-10679	162	36	continue	continue	VERB
easat-10679	162	37	using	use	VERB
easat-10679	162	38	the	the	DET
easat-10679	162	39	service	service	NOUN
easat-10679	162	40	.	.	PUNCT
easat-10679	163	1	the	the	DET
easat-10679	163	2	results	result	NOUN
easat-10679	163	3	showed	show	VERB
easat-10679	163	4	that	that	SCONJ
easat-10679	163	5	although	although	SCONJ
easat-10679	163	6	service	service	NOUN
easat-10679	163	7	quality	quality	NOUN
easat-10679	163	8	is	be	AUX
easat-10679	163	9	an	an	DET
easat-10679	163	10	important	important	ADJ
easat-10679	163	11	factor	factor	NOUN
easat-10679	163	12	,	,	PUNCT
easat-10679	163	13	it	it	PRON
easat-10679	163	14	can	can	AUX
easat-10679	163	15	not	not	PART
easat-10679	163	16	encourage	encourage	VERB
easat-10679	163	17	users	user	NOUN
easat-10679	163	18	'	'	PART
easat-10679	163	19	interest	interest	NOUN
easat-10679	163	20	in	in	ADP
easat-10679	163	21	using	use	VERB
easat-10679	163	22	mobile	mobile	ADJ
easat-10679	163	23	payments	payment	NOUN
easat-10679	163	24	.	.	PUNCT
easat-10679	164	1	users	user	NOUN
easat-10679	164	2	tend	tend	VERB
easat-10679	164	3	to	to	PART
easat-10679	164	4	prefer	prefer	VERB
easat-10679	164	5	services	service	NOUN
easat-10679	164	6	that	that	PRON
easat-10679	164	7	are	be	AUX
easat-10679	164	8	easy	easy	ADJ
easat-10679	164	9	to	to	PART
easat-10679	164	10	use	use	VERB
easat-10679	164	11	and	and	CCONJ
easat-10679	164	12	practical	practical	ADJ
easat-10679	164	13	.	.	PUNCT
easat-10679	165	1	if	if	SCONJ
easat-10679	165	2	the	the	DET
easat-10679	165	3	service	service	NOUN
easat-10679	165	4	quality	quality	NOUN
easat-10679	165	5	is	be	AUX
easat-10679	165	6	good	good	ADJ
easat-10679	165	7	but	but	CCONJ
easat-10679	165	8	users	user	NOUN
easat-10679	165	9	find	find	VERB
easat-10679	165	10	the	the	DET
easat-10679	165	11	process	process	NOUN
easat-10679	165	12	complicated	complicate	VERB
easat-10679	165	13	,	,	PUNCT
easat-10679	165	14	they	they	PRON
easat-10679	165	15	may	may	AUX
easat-10679	165	16	be	be	AUX
easat-10679	165	17	reluctant	reluctant	ADJ
easat-10679	165	18	to	to	PART
easat-10679	165	19	use	use	VERB
easat-10679	165	20	the	the	DET
easat-10679	165	21	service	service	NOUN
easat-10679	165	22	.	.	PUNCT
easat-10679	166	1	a	a	DET
easat-10679	166	2	sense	sense	NOUN
easat-10679	166	3	of	of	ADP
easat-10679	166	4	security	security	NOUN
easat-10679	166	5	and	and	CCONJ
easat-10679	166	6	trust	trust	NOUN
easat-10679	166	7	in	in	ADP
easat-10679	166	8	the	the	DET
easat-10679	166	9	service	service	NOUN
easat-10679	166	10	greatly	greatly	ADV
easat-10679	166	11	affects	affect	VERB
easat-10679	166	12	user	user	NOUN
easat-10679	166	13	interest	interest	NOUN
easat-10679	166	14	.	.	PUNCT
easat-10679	167	1	despite	despite	SCONJ
easat-10679	167	2	the	the	DET
easat-10679	167	3	quality	quality	NOUN
easat-10679	167	4	of	of	ADP
easat-10679	167	5	the	the	DET
easat-10679	167	6	service	service	NOUN
easat-10679	167	7	,	,	PUNCT
easat-10679	167	8	if	if	SCONJ
easat-10679	167	9	there	there	PRON
easat-10679	167	10	are	be	VERB
easat-10679	167	11	concerns	concern	NOUN
easat-10679	167	12	about	about	ADP
easat-10679	167	13	the	the	DET
easat-10679	167	14	security	security	NOUN
easat-10679	167	15	of	of	ADP
easat-10679	167	16	personal	personal	ADJ
easat-10679	167	17	and	and	CCONJ
easat-10679	167	18	transaction	transaction	NOUN
easat-10679	167	19	data	datum	NOUN
easat-10679	167	20	,	,	PUNCT
easat-10679	167	21	users	user	NOUN
easat-10679	167	22	may	may	AUX
easat-10679	167	23	remain	remain	VERB
easat-10679	167	24	reluctant	reluctant	ADJ
easat-10679	167	25	.	.	PUNCT
easat-10679	168	1	users	user	NOUN
easat-10679	168	2	are	be	AUX
easat-10679	168	3	more	more	ADV
easat-10679	168	4	interested	interested	ADJ
easat-10679	168	5	in	in	ADP
easat-10679	168	6	services	service	NOUN
easat-10679	168	7	that	that	PRON
easat-10679	168	8	are	be	AUX
easat-10679	168	9	integrated	integrate	VERB
easat-10679	168	10	with	with	ADP
easat-10679	168	11	other	other	ADJ
easat-10679	168	12	applications	application	NOUN
easat-10679	168	13	or	or	CCONJ
easat-10679	168	14	services	service	NOUN
easat-10679	168	15	they	they	PRON
easat-10679	168	16	use	use	VERB
easat-10679	168	17	daily	daily	ADV
easat-10679	168	18	,	,	PUNCT
easat-10679	168	19	such	such	ADJ
easat-10679	168	20	as	as	ADP
easat-10679	168	21	e	e	NOUN
easat-10679	168	22	-	-	NOUN
easat-10679	168	23	commerce	commerce	NOUN
easat-10679	168	24	or	or	CCONJ
easat-10679	168	25	transportation	transportation	NOUN
easat-10679	168	26	.	.	PUNCT
easat-10679	169	1	high	high	ADJ
easat-10679	169	2	service	service	NOUN
easat-10679	169	3	quality	quality	NOUN
easat-10679	169	4	does	do	AUX
easat-10679	169	5	not	not	PART
easat-10679	169	6	always	always	ADV
easat-10679	169	7	guarantee	guarantee	VERB
easat-10679	169	8	good	good	ADJ
easat-10679	169	9	integration	integration	NOUN
easat-10679	169	10	.	.	PUNCT
easat-10679	170	1	negative	negative	ADJ
easat-10679	170	2	experiences	experience	NOUN
easat-10679	170	3	with	with	ADP
easat-10679	170	4	similar	similar	ADJ
easat-10679	170	5	services	service	NOUN
easat-10679	170	6	in	in	ADP
easat-10679	170	7	the	the	DET
easat-10679	170	8	past	past	NOUN
easat-10679	170	9	may	may	AUX
easat-10679	170	10	affect	affect	VERB
easat-10679	170	11	users	user	NOUN
easat-10679	170	12	'	'	PART
easat-10679	170	13	perception	perception	NOUN
easat-10679	170	14	and	and	CCONJ
easat-10679	170	15	interest	interest	NOUN
easat-10679	170	16	in	in	ADP
easat-10679	170	17	new	new	ADJ
easat-10679	170	18	services	service	NOUN
easat-10679	170	19	,	,	PUNCT
easat-10679	170	20	even	even	ADV
easat-10679	170	21	if	if	SCONJ
easat-10679	170	22	they	they	PRON
easat-10679	170	23	are	be	AUX
easat-10679	170	24	of	of	ADP
easat-10679	170	25	better	well	ADJ
easat-10679	170	26	quality	quality	NOUN
easat-10679	170	27	.	.	PUNCT
easat-10679	171	1	some	some	DET
easat-10679	171	2	users	user	NOUN
easat-10679	171	3	may	may	AUX
easat-10679	171	4	already	already	ADV
easat-10679	171	5	be	be	AUX
easat-10679	171	6	comfortable	comfortable	ADJ
easat-10679	171	7	with	with	ADP
easat-10679	171	8	conventional	conventional	ADJ
easat-10679	171	9	payment	payment	NOUN
easat-10679	171	10	methods	method	NOUN
easat-10679	171	11	and	and	CCONJ
easat-10679	171	12	require	require	VERB
easat-10679	171	13	more	more	ADJ
easat-10679	171	14	than	than	ADP
easat-10679	171	15	just	just	ADV
easat-10679	171	16	service	service	NOUN
easat-10679	171	17	quality	quality	NOUN
easat-10679	171	18	to	to	PART
easat-10679	171	19	switch	switch	VERB
easat-10679	171	20	to	to	ADP
easat-10679	171	21	mobile	mobile	ADJ
easat-10679	171	22	payments	payment	NOUN
easat-10679	171	23	.	.	PUNCT
easat-10679	172	1	strict	strict	ADJ
easat-10679	172	2	regulatory	regulatory	ADJ
easat-10679	172	3	compliance	compliance	NOUN
easat-10679	172	4	and	and	CCONJ
easat-10679	172	5	frequent	frequent	ADJ
easat-10679	172	6	regulatory	regulatory	ADJ
easat-10679	172	7	changes	change	NOUN
easat-10679	172	8	may	may	AUX
easat-10679	172	9	affect	affect	VERB
easat-10679	172	10	user	user	NOUN
easat-10679	172	11	adoption	adoption	NOUN
easat-10679	172	12	.	.	PUNCT
easat-10679	173	1	if	if	SCONJ
easat-10679	173	2	users	user	NOUN
easat-10679	173	3	feel	feel	VERB
easat-10679	173	4	that	that	SCONJ
easat-10679	173	5	the	the	DET
easat-10679	173	6	service	service	NOUN
easat-10679	173	7	is	be	AUX
easat-10679	173	8	not	not	PART
easat-10679	173	9	compliant	compliant	ADJ
easat-10679	173	10	with	with	ADP
easat-10679	173	11	regulations	regulation	NOUN
easat-10679	173	12	,	,	PUNCT
easat-10679	173	13	their	their	PRON
easat-10679	173	14	interest	interest	NOUN
easat-10679	173	15	may	may	AUX
easat-10679	173	16	decrease	decrease	VERB
easat-10679	173	17	.	.	PUNCT
easat-10679	174	1	the	the	DET
easat-10679	174	2	results	result	NOUN
easat-10679	174	3	of	of	ADP
easat-10679	174	4	this	this	DET
easat-10679	174	5	study	study	NOUN
easat-10679	174	6	are	be	AUX
easat-10679	174	7	consistent	consistent	ADJ
easat-10679	174	8	with	with	ADP
easat-10679	174	9	[	[	X
easat-10679	174	10	36	36	NUM
easat-10679	174	11	,	,	PUNCT
easat-10679	174	12	37	37	NUM
easat-10679	174	13	]	]	PUNCT
easat-10679	174	14	,	,	PUNCT
easat-10679	174	15	who	who	PRON
easat-10679	174	16	showed	show	VERB
easat-10679	174	17	that	that	SCONJ
easat-10679	174	18	although	although	SCONJ
easat-10679	174	19	service	service	NOUN
easat-10679	174	20	quality	quality	NOUN
easat-10679	174	21	has	have	VERB
easat-10679	174	22	no	no	DET
easat-10679	174	23	significant	significant	ADJ
easat-10679	174	24	effect	effect	NOUN
easat-10679	174	25	on	on	ADP
easat-10679	174	26	usage	usage	NOUN
easat-10679	174	27	intention	intention	NOUN
easat-10679	174	28	towards	towards	ADP
easat-10679	174	29	a	a	DET
easat-10679	174	30	particular	particular	ADJ
easat-10679	174	31	application	application	NOUN
easat-10679	174	32	.	.	PUNCT
easat-10679	175	1	this	this	DET
easat-10679	175	2	study	study	NOUN
easat-10679	175	3	has	have	AUX
easat-10679	175	4	not	not	PART
easat-10679	175	5	succeeded	succeed	VERB
easat-10679	175	6	in	in	ADP
easat-10679	175	7	confirming	confirm	VERB
easat-10679	175	8	the	the	DET
easat-10679	175	9	delone	delone	NOUN
easat-10679	175	10	and	and	CCONJ
easat-10679	175	11	mclean	mclean	PROPN
easat-10679	175	12	model	model	PROPN
easat-10679	175	13	,	,	PUNCT
easat-10679	175	14	which	which	PRON
easat-10679	175	15	states	state	VERB
easat-10679	175	16	that	that	SCONJ
easat-10679	175	17	system	system	NOUN
easat-10679	175	18	quality	quality	NOUN
easat-10679	175	19	and	and	CCONJ
easat-10679	175	20	service	service	NOUN
easat-10679	175	21	quality	quality	NOUN
easat-10679	175	22	are	be	AUX
easat-10679	175	23	very	very	ADV
easat-10679	175	24	important	important	ADJ
easat-10679	175	25	to	to	PART
easat-10679	175	26	achieve	achieve	VERB
easat-10679	175	27	successful	successful	ADJ
easat-10679	175	28	system	system	NOUN
easat-10679	175	29	use	use	NOUN
easat-10679	175	30	.	.	PUNCT
easat-10679	176	1	in	in	ADP
easat-10679	176	2	the	the	DET
easat-10679	176	3	context	context	NOUN
easat-10679	176	4	of	of	ADP
easat-10679	176	5	mobile	mobile	ADJ
easat-10679	176	6	payment	payment	NOUN
easat-10679	176	7	,	,	PUNCT
easat-10679	176	8	if	if	SCONJ
easat-10679	176	9	both	both	DET
easat-10679	176	10	aspects	aspect	NOUN
easat-10679	176	11	are	be	AUX
easat-10679	176	12	at	at	ADP
easat-10679	176	13	an	an	DET
easat-10679	176	14	optimal	optimal	ADJ
easat-10679	176	15	level	level	NOUN
easat-10679	176	16	,	,	PUNCT
easat-10679	176	17	it	it	PRON
easat-10679	176	18	will	will	AUX
easat-10679	176	19	help	help	VERB
easat-10679	176	20	increase	increase	VERB
easat-10679	176	21	the	the	DET
easat-10679	176	22	use	use	NOUN
easat-10679	176	23	of	of	ADP
easat-10679	176	24	digital	digital	ADJ
easat-10679	176	25	payment	payment	NOUN
easat-10679	176	26	applications	application	NOUN
easat-10679	176	27	and	and	CCONJ
easat-10679	176	28	overall	overall	ADJ
easat-10679	176	29	user	user	NOUN
easat-10679	176	30	satisfaction	satisfaction	NOUN
easat-10679	176	31	.	.	PUNCT
easat-10679	177	1	6	6	X
easat-10679	177	2	.	.	X
easat-10679	177	3	conclusion	conclusion	NOUN
easat-10679	177	4	this	this	DET
easat-10679	177	5	study	study	NOUN
easat-10679	177	6	focuses	focus	VERB
easat-10679	177	7	on	on	ADP
easat-10679	177	8	the	the	DET
easat-10679	177	9	factors	factor	NOUN
easat-10679	177	10	that	that	PRON
easat-10679	177	11	influence	influence	VERB
easat-10679	177	12	the	the	DET
easat-10679	177	13	use	use	NOUN
easat-10679	177	14	of	of	ADP
easat-10679	177	15	mobile	mobile	ADJ
easat-10679	177	16	payments	payment	NOUN
easat-10679	177	17	,	,	PUNCT
easat-10679	177	18	which	which	PRON
easat-10679	177	19	are	be	AUX
easat-10679	177	20	increasingly	increasingly	ADV
easat-10679	177	21	popular	popular	ADJ
easat-10679	177	22	among	among	ADP
easat-10679	177	23	financial	financial	ADJ
easat-10679	177	24	service	service	NOUN
easat-10679	177	25	users	user	NOUN
easat-10679	177	26	.	.	PUNCT
easat-10679	178	1	in	in	ADP
easat-10679	178	2	this	this	DET
easat-10679	178	3	context	context	NOUN
easat-10679	178	4	,	,	PUNCT
easat-10679	178	5	perceived	perceive	VERB
easat-10679	178	6	ease	ease	NOUN
easat-10679	178	7	of	of	ADP
easat-10679	178	8	use	use	NOUN
easat-10679	178	9	and	and	CCONJ
easat-10679	178	10	perceived	perceive	VERB
easat-10679	178	11	benefits	benefit	NOUN
easat-10679	178	12	have	have	VERB
easat-10679	178	13	an	an	DET
easat-10679	178	14	impact	impact	NOUN
easat-10679	178	15	on	on	ADP
easat-10679	178	16	the	the	DET
easat-10679	178	17	intention	intention	NOUN
easat-10679	178	18	to	to	PART
easat-10679	178	19	use	use	VERB
easat-10679	178	20	mobile	mobile	ADJ
easat-10679	178	21	payments	payment	NOUN
easat-10679	178	22	,	,	PUNCT
easat-10679	178	23	while	while	SCONJ
easat-10679	178	24	system	system	NOUN
easat-10679	178	25	quality	quality	NOUN
easat-10679	178	26	and	and	CCONJ
easat-10679	178	27	service	service	NOUN
easat-10679	178	28	quality	quality	NOUN
easat-10679	178	29	do	do	AUX
easat-10679	178	30	not	not	PART
easat-10679	178	31	show	show	VERB
easat-10679	178	32	a	a	DET
easat-10679	178	33	significant	significant	ADJ
easat-10679	178	34	effect	effect	NOUN
easat-10679	178	35	.	.	PUNCT
easat-10679	179	1	this	this	PRON
easat-10679	179	2	could	could	AUX
easat-10679	179	3	be	be	AUX
easat-10679	179	4	due	due	ADJ
easat-10679	179	5	to	to	ADP
easat-10679	179	6	the	the	DET
easat-10679	179	7	fact	fact	NOUN
easat-10679	179	8	that	that	SCONJ
easat-10679	179	9	perceived	perceive	VERB
easat-10679	179	10	convenience	convenience	NOUN
easat-10679	179	11	and	and	CCONJ
easat-10679	179	12	benefits	benefit	NOUN
easat-10679	179	13	are	be	AUX
easat-10679	179	14	more	more	ADV
easat-10679	179	15	dominant	dominant	ADJ
easat-10679	179	16	in	in	ADP
easat-10679	179	17	shaping	shape	VERB
easat-10679	179	18	positive	positive	ADJ
easat-10679	179	19	attitudes	attitude	NOUN
easat-10679	179	20	towards	towards	ADP
easat-10679	179	21	the	the	DET
easat-10679	179	22	use	use	NOUN
easat-10679	179	23	of	of	ADP
easat-10679	179	24	new	new	ADJ
easat-10679	179	25	technology	technology	NOUN
easat-10679	179	26	compared	compare	VERB
easat-10679	179	27	to	to	ADP
easat-10679	179	28	technical	technical	ADJ
easat-10679	179	29	or	or	CCONJ
easat-10679	179	30	service	service	NOUN
easat-10679	179	31	aspects	aspect	NOUN
easat-10679	179	32	.	.	PUNCT
easat-10679	180	1	this	this	DET
easat-10679	180	2	study	study	NOUN
easat-10679	180	3	has	have	VERB
easat-10679	180	4	practical	practical	ADJ
easat-10679	180	5	implications	implication	NOUN
easat-10679	180	6	for	for	ADP
easat-10679	180	7	mobile	mobile	ADJ
easat-10679	180	8	banking	banking	NOUN
easat-10679	180	9	service	service	NOUN
easat-10679	180	10	providers	provider	NOUN
easat-10679	180	11	.	.	PUNCT
easat-10679	181	1	they	they	PRON
easat-10679	181	2	need	need	VERB
easat-10679	181	3	to	to	PART
easat-10679	181	4	focus	focus	VERB
easat-10679	181	5	on	on	ADP
easat-10679	181	6	improving	improve	VERB
easat-10679	181	7	the	the	DET
easat-10679	181	8	perceived	perceive	VERB
easat-10679	181	9	ease	ease	NOUN
easat-10679	181	10	and	and	CCONJ
easat-10679	181	11	benefits	benefit	NOUN
easat-10679	181	12	of	of	ADP
easat-10679	181	13	their	their	PRON
easat-10679	181	14	products	product	NOUN
easat-10679	181	15	through	through	ADP
easat-10679	181	16	intuitive	intuitive	ADJ
easat-10679	181	17	interface	interface	NOUN
easat-10679	181	18	design	design	NOUN
easat-10679	181	19	as	as	ADV
easat-10679	181	20	well	well	ADV
easat-10679	181	21	as	as	ADP
easat-10679	181	22	clear	clear	ADJ
easat-10679	181	23	communication	communication	NOUN
easat-10679	181	24	regarding	regard	VERB
easat-10679	181	25	the	the	DET
easat-10679	181	26	advantages	advantage	NOUN
easat-10679	181	27	of	of	ADP
easat-10679	181	28	using	use	VERB
easat-10679	181	29	mobile	mobile	ADJ
easat-10679	181	30	banking	banking	NOUN
easat-10679	181	31	.	.	PUNCT
easat-10679	182	1	thus	thus	ADV
easat-10679	182	2	,	,	PUNCT
easat-10679	182	3	while	while	SCONJ
easat-10679	182	4	system	system	NOUN
easat-10679	182	5	and	and	CCONJ
easat-10679	182	6	service	service	NOUN
easat-10679	182	7	quality	quality	NOUN
easat-10679	182	8	remain	remain	VERB
easat-10679	182	9	important	important	ADJ
easat-10679	182	10	,	,	PUNCT
easat-10679	182	11	priority	priority	NOUN
easat-10679	182	12	should	should	AUX
easat-10679	182	13	be	be	AUX
easat-10679	182	14	given	give	VERB
easat-10679	182	15	to	to	ADP
easat-10679	182	16	how	how	SCONJ
easat-10679	182	17	the	the	DET
easat-10679	182	18	product	product	NOUN
easat-10679	182	19	is	be	AUX
easat-10679	182	20	perceived	perceive	VERB
easat-10679	182	21	by	by	ADP
easat-10679	182	22	users	user	NOUN
easat-10679	182	23	.	.	PUNCT
easat-10679	183	1	some	some	PRON
easat-10679	183	2	of	of	ADP
easat-10679	183	3	the	the	DET
easat-10679	183	4	limitations	limitation	NOUN
easat-10679	183	5	of	of	ADP
easat-10679	183	6	the	the	DET
easat-10679	183	7	study	study	NOUN
easat-10679	183	8	include	include	VERB
easat-10679	183	9	the	the	DET
easat-10679	183	10	limited	limited	ADJ
easat-10679	183	11	research	research	NOUN
easat-10679	183	12	design	design	NOUN
easat-10679	183	13	.	.	PUNCT
easat-10679	184	1	this	this	DET
easat-10679	184	2	research	research	NOUN
easat-10679	184	3	uses	use	VERB
easat-10679	184	4	a	a	DET
easat-10679	184	5	survey	survey	NOUN
easat-10679	184	6	or	or	CCONJ
easat-10679	184	7	questionnaire	questionnaire	NOUN
easat-10679	184	8	method	method	NOUN
easat-10679	184	9	;	;	PUNCT
easat-10679	184	10	it	it	PRON
easat-10679	184	11	is	be	AUX
easat-10679	184	12	possible	possible	ADJ
easat-10679	184	13	that	that	SCONJ
easat-10679	184	14	the	the	DET
easat-10679	184	15	questions	question	NOUN
easat-10679	184	16	asked	ask	VERB
easat-10679	184	17	do	do	AUX
easat-10679	184	18	not	not	PART
easat-10679	184	19	fully	fully	ADV
easat-10679	184	20	cover	cover	VERB
easat-10679	184	21	all	all	DET
easat-10679	184	22	aspects	aspect	NOUN
easat-10679	184	23	of	of	ADP
easat-10679	184	24	system	system	NOUN
easat-10679	184	25	quality	quality	NOUN
easat-10679	184	26	and	and	CCONJ
easat-10679	184	27	service	service	NOUN
easat-10679	184	28	quality	quality	NOUN
easat-10679	184	29	.	.	PUNCT
easat-10679	185	1	for	for	ADP
easat-10679	185	2	example	example	NOUN
easat-10679	185	3	,	,	PUNCT
easat-10679	185	4	if	if	SCONJ
easat-10679	185	5	respondents	respondent	NOUN
easat-10679	185	6	were	be	AUX
easat-10679	185	7	not	not	PART
easat-10679	185	8	given	give	VERB
easat-10679	185	9	the	the	DET
easat-10679	185	10	option	option	NOUN
easat-10679	185	11	to	to	PART
easat-10679	185	12	express	express	VERB
easat-10679	185	13	their	their	PRON
easat-10679	185	14	negative	negative	ADJ
easat-10679	185	15	experiences	experience	NOUN
easat-10679	185	16	in	in	ADP
easat-10679	185	17	depth	depth	NOUN
easat-10679	185	18	related	relate	VERB
easat-10679	185	19	to	to	ADP
easat-10679	185	20	service	service	NOUN
easat-10679	185	21	quality	quality	NOUN
easat-10679	185	22	,	,	PUNCT
easat-10679	185	23	then	then	ADV
easat-10679	185	24	the	the	DET
easat-10679	185	25	results	result	NOUN
easat-10679	185	26	could	could	AUX
easat-10679	185	27	be	be	AUX
easat-10679	185	28	biased	bias	VERB
easat-10679	185	29	.	.	PUNCT
easat-10679	186	1	this	this	DET
easat-10679	186	2	research	research	NOUN
easat-10679	186	3	also	also	ADV
easat-10679	186	4	lacks	lack	VERB
easat-10679	186	5	consideration	consideration	NOUN
easat-10679	186	6	of	of	ADP
easat-10679	186	7	previous	previous	ADJ
easat-10679	186	8	experience	experience	NOUN
easat-10679	186	9	with	with	ADP
easat-10679	186	10	similar	similar	ADJ
easat-10679	186	11	technologies	technology	NOUN
easat-10679	186	12	or	or	CCONJ
easat-10679	186	13	the	the	DET
easat-10679	186	14	level	level	NOUN
easat-10679	186	15	of	of	ADP
easat-10679	186	16	digital	digital	ADJ
easat-10679	186	17	literacy	literacy	NOUN
easat-10679	186	18	,	,	PUNCT
easat-10679	186	19	which	which	PRON
easat-10679	186	20	may	may	AUX
easat-10679	186	21	play	play	VERB
easat-10679	186	22	an	an	DET
easat-10679	186	23	important	important	ADJ
easat-10679	186	24	role	role	NOUN
easat-10679	186	25	in	in	ADP
easat-10679	186	26	users	user	NOUN
easat-10679	186	27	'	'	PART
easat-10679	186	28	decisions	decision	NOUN
easat-10679	186	29	to	to	PART
easat-10679	186	30	use	use	VERB
easat-10679	186	31	mobile	mobile	ADJ
easat-10679	186	32	payments	payment	NOUN
easat-10679	186	33	.	.	PUNCT
easat-10679	187	1	transparency	transparency	NOUN
easat-10679	187	2	:	:	PUNCT
easat-10679	187	3	the	the	DET
easat-10679	187	4	authors	author	NOUN
easat-10679	187	5	confirm	confirm	VERB
easat-10679	187	6	that	that	SCONJ
easat-10679	187	7	the	the	DET
easat-10679	187	8	manuscript	manuscript	NOUN
easat-10679	187	9	is	be	AUX
easat-10679	187	10	an	an	DET
easat-10679	187	11	honest	honest	ADJ
easat-10679	187	12	,	,	PUNCT
easat-10679	187	13	accurate	accurate	ADJ
easat-10679	187	14	,	,	PUNCT
easat-10679	187	15	and	and	CCONJ
easat-10679	187	16	transparent	transparent	ADJ
easat-10679	187	17	account	account	NOUN
easat-10679	187	18	of	of	ADP
easat-10679	187	19	the	the	DET
easat-10679	187	20	study	study	NOUN
easat-10679	187	21	;	;	PUNCT
easat-10679	187	22	that	that	SCONJ
easat-10679	187	23	no	no	DET
easat-10679	187	24	vital	vital	ADJ
easat-10679	187	25	features	feature	NOUN
easat-10679	187	26	of	of	ADP
easat-10679	187	27	the	the	DET
easat-10679	187	28	study	study	NOUN
easat-10679	187	29	have	have	AUX
easat-10679	187	30	been	be	AUX
easat-10679	187	31	omitted	omit	VERB
easat-10679	187	32	;	;	PUNCT
easat-10679	187	33	and	and	CCONJ
easat-10679	187	34	that	that	SCONJ
easat-10679	187	35	any	any	DET
easat-10679	187	36	discrepancies	discrepancy	NOUN
easat-10679	187	37	from	from	ADP
easat-10679	187	38	the	the	DET
easat-10679	187	39	study	study	NOUN
easat-10679	187	40	as	as	SCONJ
easat-10679	187	41	planned	plan	VERB
easat-10679	187	42	have	have	AUX
easat-10679	187	43	been	be	AUX
easat-10679	187	44	explained	explain	VERB
easat-10679	187	45	.	.	PUNCT
easat-10679	188	1	this	this	DET
easat-10679	188	2	study	study	NOUN
easat-10679	188	3	followed	follow	VERB
easat-10679	188	4	all	all	DET
easat-10679	188	5	ethical	ethical	ADJ
easat-10679	188	6	practices	practice	NOUN
easat-10679	188	7	during	during	ADP
easat-10679	188	8	writing	writing	NOUN
easat-10679	188	9	.	.	PUNCT
easat-10679	189	1	1456	1456	NUM
easat-10679	189	2	edelweiss	edelweiss	PROPN
easat-10679	189	3	applied	apply	VERB
easat-10679	189	4	science	science	NOUN
easat-10679	189	5	and	and	CCONJ
easat-10679	189	6	technology	technology	NOUN
easat-10679	189	7	issn	issn	PROPN
easat-10679	189	8	:	:	PUNCT
easat-10679	189	9	2576	2576	NUM
easat-10679	189	10	-	-	SYM
easat-10679	189	11	8484	8484	NUM
easat-10679	189	12	vol	vol	NOUN
easat-10679	189	13	.	.	PROPN
easat-10679	190	1	9	9	NUM
easat-10679	190	2	,	,	PUNCT
easat-10679	190	3	no	no	INTJ
easat-10679	190	4	.	.	NOUN
easat-10679	190	5	10	10	NUM
easat-10679	190	6	:	:	SYM
easat-10679	190	7	1449	1449	NUM
easat-10679	190	8	-	-	SYM
easat-10679	190	9	1458	1458	NUM
easat-10679	190	10	,	,	PUNCT
easat-10679	190	11	2025	2025	NUM
easat-10679	190	12	doi	doi	NOUN
easat-10679	190	13	:	:	PUNCT
easat-10679	190	14	10.55214/2576	10.55214/2576	NUM
easat-10679	190	15	-	-	SYM
easat-10679	190	16	8484.v9i10.10679	8484.v9i10.10679	NUM
easat-10679	191	1	©	©	PROPN
easat-10679	191	2	2025	2025	NUM
easat-10679	191	3	by	by	ADP
easat-10679	191	4	the	the	DET
easat-10679	191	5	authors	author	NOUN
easat-10679	191	6	;	;	PUNCT
easat-10679	191	7	licensee	licensee	PROPN
easat-10679	191	8	learning	learn	VERB
easat-10679	191	9	gate	gate	NOUN
easat-10679	191	10	copyright	copyright	NOUN
easat-10679	191	11	:	:	PUNCT
easat-10679	191	12	©	©	PROPN
easat-10679	191	13	2025	2025	NUM
easat-10679	191	14	by	by	ADP
easat-10679	191	15	the	the	DET
easat-10679	191	16	authors	author	NOUN
easat-10679	191	17	.	.	PUNCT
easat-10679	192	1	this	this	DET
easat-10679	192	2	article	article	NOUN
easat-10679	192	3	is	be	AUX
easat-10679	192	4	an	an	DET
easat-10679	192	5	open	open	ADJ
easat-10679	192	6	-	-	PUNCT
easat-10679	192	7	access	access	NOUN
easat-10679	192	8	article	article	NOUN
easat-10679	192	9	distributed	distribute	VERB
easat-10679	192	10	under	under	ADP
easat-10679	192	11	the	the	DET
easat-10679	192	12	terms	term	NOUN
easat-10679	192	13	and	and	CCONJ
easat-10679	192	14	conditions	condition	NOUN
easat-10679	192	15	of	of	ADP
easat-10679	192	16	the	the	DET
easat-10679	192	17	creative	creative	ADJ
easat-10679	192	18	commons	common	NOUN
easat-10679	192	19	attribution	attribution	NOUN
easat-10679	192	20	(	(	PUNCT
easat-10679	192	21	cc	cc	NOUN
easat-10679	192	22	by	by	ADP
easat-10679	192	23	)	)	PUNCT
easat-10679	192	24	license	license	NOUN
easat-10679	192	25	(	(	PUNCT
easat-10679	192	26	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-10679	192	27	)	)	PUNCT
easat-10679	192	28	.	.	PUNCT
easat-10679	193	1	references	reference	NOUN
easat-10679	193	2	[	[	X
easat-10679	193	3	1	1	NUM
easat-10679	193	4	]	]	PUNCT
easat-10679	193	5	m.	m.	NOUN
easat-10679	193	6	k.	k.	PROPN
easat-10679	193	7	rahman	rahman	PROPN
easat-10679	193	8	,	,	PUNCT
easat-10679	193	9	m.	m.	NOUN
easat-10679	193	10	a.	a.	NOUN
easat-10679	193	11	bhuiyan	bhuiyan	PROPN
easat-10679	193	12	,	,	PUNCT
easat-10679	193	13	m.	m.	NOUN
easat-10679	193	14	mainul	mainul	PROPN
easat-10679	193	15	hossain	hossain	PROPN
easat-10679	193	16	,	,	PUNCT
easat-10679	193	17	and	and	CCONJ
easat-10679	193	18	r.	r.	PROPN
easat-10679	193	19	sifa	sifa	PROPN
easat-10679	193	20	,	,	PUNCT
easat-10679	193	21	"	"	PUNCT
easat-10679	193	22	impact	impact	NOUN
easat-10679	193	23	of	of	ADP
easat-10679	193	24	technology	technology	NOUN
easat-10679	193	25	self	self	NOUN
easat-10679	193	26	-	-	PUNCT
easat-10679	193	27	efficacy	efficacy	NOUN
easat-10679	193	28	on	on	ADP
easat-10679	193	29	online	online	ADJ
easat-10679	193	30	learning	learning	NOUN
easat-10679	193	31	effectiveness	effectiveness	NOUN
easat-10679	193	32	during	during	ADP
easat-10679	193	33	the	the	DET
easat-10679	193	34	covid-19	covid-19	PROPN
easat-10679	193	35	pandemic	pandemic	NOUN
easat-10679	193	36	,	,	PUNCT
easat-10679	193	37	"	"	PUNCT
easat-10679	193	38	kybernetes	kybernete	NOUN
easat-10679	193	39	,	,	PUNCT
easat-10679	193	40	vol	vol	NOUN
easat-10679	193	41	.	.	PROPN
easat-10679	194	1	52	52	NUM
easat-10679	194	2	,	,	PUNCT
easat-10679	194	3	no	no	INTJ
easat-10679	194	4	.	.	NOUN
easat-10679	194	5	7	7	NUM
easat-10679	194	6	,	,	PUNCT
easat-10679	194	7	pp	pp	ADJ
easat-10679	194	8	.	.	PUNCT
easat-10679	195	1	2395	2395	NUM
easat-10679	195	2	-	-	SYM
easat-10679	195	3	2415	2415	NUM
easat-10679	195	4	,	,	PUNCT
easat-10679	195	5	2023	2023	NUM
easat-10679	195	6	.	.	PUNCT
easat-10679	196	1	https://doi.org/10.1108/k-07-2022-1049	https://doi.org/10.1108/k-07-2022-1049	PROPN
easat-10679	196	2	[	[	X
easat-10679	196	3	2	2	NUM
easat-10679	196	4	]	]	PUNCT
easat-10679	196	5	a.	a.	PROPN
easat-10679	196	6	s.	s.	PROPN
easat-10679	196	7	jameel	jameel	PROPN
easat-10679	196	8	,	,	PUNCT
easat-10679	196	9	m.	m.	PROPN
easat-10679	196	10	a.	a.	PROPN
easat-10679	196	11	karem	karem	PROPN
easat-10679	196	12	,	,	PUNCT
easat-10679	196	13	s.	s.	PROPN
easat-10679	196	14	h.	h.	PROPN
easat-10679	196	15	aldulaimi	aldulaimi	PROPN
easat-10679	196	16	,	,	PUNCT
easat-10679	196	17	a.	a.	PROPN
easat-10679	196	18	k.	k.	PROPN
easat-10679	196	19	muttar	muttar	PROPN
easat-10679	196	20	,	,	PUNCT
easat-10679	196	21	and	and	CCONJ
easat-10679	196	22	a.	a.	PROPN
easat-10679	196	23	r.	r.	PROPN
easat-10679	196	24	ahmad	ahmad	PROPN
easat-10679	196	25	,	,	PUNCT
easat-10679	196	26	"	"	PUNCT
easat-10679	196	27	the	the	DET
easat-10679	196	28	acceptance	acceptance	NOUN
easat-10679	196	29	of	of	ADP
easat-10679	196	30	e	e	NOUN
easat-10679	196	31	-	-	ADJ
easat-10679	196	32	learning	learn	VERB
easat-10679	196	33	service	service	NOUN
easat-10679	196	34	in	in	ADP
easat-10679	196	35	a	a	DET
easat-10679	196	36	higher	high	ADJ
easat-10679	196	37	education	education	NOUN
easat-10679	196	38	context	context	NOUN
easat-10679	196	39	,	,	PUNCT
easat-10679	196	40	"	"	PUNCT
easat-10679	196	41	in	in	ADP
easat-10679	196	42	international	international	ADJ
easat-10679	196	43	conference	conference	NOUN
easat-10679	196	44	on	on	ADP
easat-10679	196	45	emerging	emerge	VERB
easat-10679	196	46	technologies	technology	NOUN
easat-10679	196	47	and	and	CCONJ
easat-10679	196	48	intelligent	intelligent	ADJ
easat-10679	196	49	systems	system	NOUN
easat-10679	196	50	(	(	PUNCT
easat-10679	196	51	pp	pp	ADJ
easat-10679	196	52	.	.	PUNCT
easat-10679	197	1	255	255	NUM
easat-10679	197	2	-	-	SYM
easat-10679	197	3	264	264	NUM
easat-10679	197	4	)	)	PUNCT
easat-10679	197	5	.	.	PUNCT
easat-10679	198	1	cham	cham	PROPN
easat-10679	198	2	:	:	PUNCT
easat-10679	198	3	springer	springer	NOUN
easat-10679	198	4	international	international	ADJ
easat-10679	198	5	publishing	publishing	NOUN
easat-10679	198	6	,	,	PUNCT
easat-10679	198	7	2021	2021	NUM
easat-10679	198	8	.	.	PUNCT
easat-10679	199	1	[	[	X
easat-10679	199	2	3	3	X
easat-10679	199	3	]	]	X
easat-10679	199	4	h.	h.	PROPN
easat-10679	199	5	b.	b.	PROPN
easat-10679	199	6	abdennebi	abdennebi	PROPN
easat-10679	199	7	,	,	PUNCT
easat-10679	199	8	"	"	PUNCT
easat-10679	199	9	m	m	NOUN
easat-10679	199	10	-	-	ADJ
easat-10679	199	11	banking	banking	ADJ
easat-10679	199	12	adoption	adoption	NOUN
easat-10679	199	13	from	from	ADP
easat-10679	199	14	the	the	DET
easat-10679	199	15	developing	develop	VERB
easat-10679	199	16	countries	country	NOUN
easat-10679	199	17	perspective	perspective	NOUN
easat-10679	199	18	:	:	PUNCT
easat-10679	199	19	a	a	DET
easat-10679	199	20	mediated	mediate	VERB
easat-10679	199	21	model	model	NOUN
easat-10679	199	22	,	,	PUNCT
easat-10679	199	23	"	"	PUNCT
easat-10679	199	24	digital	digital	ADJ
easat-10679	199	25	business	business	NOUN
easat-10679	199	26	,	,	PUNCT
easat-10679	199	27	vol	vol	NOUN
easat-10679	199	28	.	.	PROPN
easat-10679	200	1	3	3	NUM
easat-10679	200	2	,	,	PUNCT
easat-10679	200	3	no	no	INTJ
easat-10679	200	4	.	.	NOUN
easat-10679	200	5	2	2	NUM
easat-10679	200	6	,	,	PUNCT
easat-10679	200	7	p.	p.	NOUN
easat-10679	200	8	100065	100065	NUM
easat-10679	200	9	,	,	PUNCT
easat-10679	200	10	2023	2023	NUM
easat-10679	200	11	.	.	PUNCT
easat-10679	201	1	https://doi.org/10.1016/j.digbus.2023.100065	https://doi.org/10.1016/j.digbus.2023.100065	PROPN
easat-10679	201	2	[	[	X
easat-10679	201	3	4	4	X
easat-10679	201	4	]	]	PUNCT
easat-10679	201	5	h.	h.	PROPN
easat-10679	201	6	n.	n.	PROPN
easat-10679	201	7	van	van	PROPN
easat-10679	201	8	,	,	PUNCT
easat-10679	201	9	l.	l.	PROPN
easat-10679	201	10	pham	pham	PROPN
easat-10679	201	11	,	,	PUNCT
easat-10679	201	12	s.	s.	PROPN
easat-10679	201	13	williamson	williamson	PROPN
easat-10679	201	14	,	,	PUNCT
easat-10679	201	15	c.-y	c.-y	NOUN
easat-10679	201	16	.	.	PUNCT
easat-10679	202	1	chan	chan	PROPN
easat-10679	202	2	,	,	PUNCT
easat-10679	202	3	t.	t.	PROPN
easat-10679	202	4	d.	d.	PROPN
easat-10679	202	5	thang	thang	PROPN
easat-10679	202	6	,	,	PUNCT
easat-10679	202	7	and	and	CCONJ
easat-10679	202	8	v.	v.	ADP
easat-10679	202	9	x.	x.	PROPN
easat-10679	202	10	nam	nam	PROPN
easat-10679	202	11	,	,	PUNCT
easat-10679	202	12	"	"	PUNCT
easat-10679	202	13	explaining	explain	VERB
easat-10679	202	14	intention	intention	NOUN
easat-10679	202	15	to	to	PART
easat-10679	202	16	use	use	VERB
easat-10679	202	17	mobile	mobile	ADJ
easat-10679	202	18	banking	banking	NOUN
easat-10679	202	19	:	:	PUNCT
easat-10679	202	20	integrating	integrate	VERB
easat-10679	202	21	perceived	perceive	VERB
easat-10679	202	22	risk	risk	NOUN
easat-10679	202	23	and	and	CCONJ
easat-10679	202	24	trust	trust	NOUN
easat-10679	202	25	into	into	ADP
easat-10679	202	26	the	the	DET
easat-10679	202	27	technology	technology	NOUN
easat-10679	202	28	acceptance	acceptance	NOUN
easat-10679	202	29	model	model	NOUN
easat-10679	202	30	,	,	PUNCT
easat-10679	202	31	"	"	PUNCT
easat-10679	202	32	international	international	ADJ
easat-10679	202	33	journal	journal	NOUN
easat-10679	202	34	of	of	ADP
easat-10679	202	35	applied	apply	VERB
easat-10679	202	36	decision	decision	NOUN
easat-10679	202	37	sciences	science	NOUN
easat-10679	202	38	,	,	PUNCT
easat-10679	202	39	vol	vol	NOUN
easat-10679	202	40	.	.	PROPN
easat-10679	202	41	14	14	NUM
easat-10679	202	42	,	,	PUNCT
easat-10679	202	43	no	no	INTJ
easat-10679	202	44	.	.	NOUN
easat-10679	202	45	1	1	NUM
easat-10679	202	46	,	,	PUNCT
easat-10679	202	47	pp	pp	ADJ
easat-10679	202	48	.	.	PUNCT
easat-10679	203	1	55	55	NUM
easat-10679	203	2	-	-	SYM
easat-10679	203	3	80	80	NUM
easat-10679	203	4	,	,	PUNCT
easat-10679	203	5	2021	2021	NUM
easat-10679	203	6	.	.	PUNCT
easat-10679	204	1	https://doi.org/10.1504/ijads.2021.112933	https://doi.org/10.1504/ijads.2021.112933	PROPN
easat-10679	204	2	[	[	X
easat-10679	204	3	5	5	NUM
easat-10679	204	4	]	]	PUNCT
easat-10679	204	5	r.	r.	X
easat-10679	204	6	altwairesh	altwairesh	PROPN
easat-10679	204	7	and	and	CCONJ
easat-10679	204	8	m.	m.	NOUN
easat-10679	204	9	aloud	aloud	PROPN
easat-10679	204	10	,	,	PUNCT
easat-10679	204	11	"	"	PUNCT
easat-10679	204	12	mobile	mobile	ADJ
easat-10679	204	13	payments	payment	NOUN
easat-10679	204	14	from	from	ADP
easat-10679	204	15	merchants	merchant	NOUN
easat-10679	204	16	'	'	PART
easat-10679	204	17	perspective	perspective	NOUN
easat-10679	204	18	:	:	PUNCT
easat-10679	204	19	an	an	DET
easat-10679	204	20	empirical	empirical	ADJ
easat-10679	204	21	study	study	NOUN
easat-10679	204	22	using	use	VERB
easat-10679	204	23	the	the	DET
easat-10679	204	24	tam	tam	NOUN
easat-10679	204	25	model	model	NOUN
easat-10679	204	26	in	in	ADP
easat-10679	204	27	saudi	saudi	PROPN
easat-10679	204	28	arabia	arabia	PROPN
easat-10679	204	29	,	,	PUNCT
easat-10679	204	30	"	"	PUNCT
easat-10679	204	31	international	international	ADJ
easat-10679	204	32	journal	journal	NOUN
easat-10679	204	33	of	of	ADP
easat-10679	204	34	computer	computer	NOUN
easat-10679	204	35	science	science	PROPN
easat-10679	204	36	&	&	CCONJ
easat-10679	204	37	network	network	PROPN
easat-10679	204	38	security	security	PROPN
easat-10679	204	39	,	,	PUNCT
easat-10679	204	40	vol	vol	NOUN
easat-10679	204	41	.	.	PROPN
easat-10679	204	42	21	21	NUM
easat-10679	204	43	,	,	PUNCT
easat-10679	204	44	no	no	INTJ
easat-10679	204	45	.	.	NOUN
easat-10679	204	46	8	8	NUM
easat-10679	204	47	,	,	PUNCT
easat-10679	204	48	pp	pp	ADJ
easat-10679	204	49	.	.	PUNCT
easat-10679	205	1	317	317	NUM
easat-10679	205	2	-	-	SYM
easat-10679	205	3	326	326	NUM
easat-10679	205	4	,	,	PUNCT
easat-10679	205	5	2021	2021	NUM
easat-10679	205	6	.	.	PUNCT
easat-10679	206	1	https://doi.org/10.22937/ijcsns.2021.21.8.41	https://doi.org/10.22937/ijcsns.2021.21.8.41	NOUN
easat-10679	206	2	[	[	X
easat-10679	206	3	6	6	NUM
easat-10679	206	4	]	]	PUNCT
easat-10679	206	5	m.	m.	NOUN
easat-10679	206	6	n.	n.	PROPN
easat-10679	206	7	islam	islam	PROPN
easat-10679	206	8	,	,	PUNCT
easat-10679	206	9	"	"	PUNCT
easat-10679	206	10	factors	factor	NOUN
easat-10679	206	11	affecting	affect	VERB
easat-10679	206	12	adoption	adoption	NOUN
easat-10679	206	13	of	of	ADP
easat-10679	206	14	self	self	NOUN
easat-10679	206	15	-	-	PUNCT
easat-10679	206	16	service	service	NOUN
easat-10679	206	17	e	e	NOUN
easat-10679	206	18	-	-	ADJ
easat-10679	206	19	ticketing	ticketing	ADJ
easat-10679	206	20	technology	technology	NOUN
easat-10679	206	21	:	:	PUNCT
easat-10679	206	22	a	a	DET
easat-10679	206	23	study	study	NOUN
easat-10679	206	24	on	on	ADP
easat-10679	206	25	heritage	heritage	NOUN
easat-10679	206	26	sites	site	NOUN
easat-10679	206	27	in	in	ADP
easat-10679	206	28	bangladesh	bangladesh	NOUN
easat-10679	206	29	,	,	PUNCT
easat-10679	206	30	"	"	PUNCT
easat-10679	206	31	heliyon	heliyon	NOUN
easat-10679	206	32	,	,	PUNCT
easat-10679	206	33	vol	vol	NOUN
easat-10679	206	34	.	.	PROPN
easat-10679	206	35	9	9	NUM
easat-10679	206	36	,	,	PUNCT
easat-10679	206	37	no	no	INTJ
easat-10679	206	38	.	.	NOUN
easat-10679	206	39	3	3	NUM
easat-10679	206	40	,	,	PUNCT
easat-10679	206	41	p.	p.	NOUN
easat-10679	206	42	e14691	e14691	PROPN
easat-10679	206	43	,	,	PUNCT
easat-10679	206	44	2023	2023	NUM
easat-10679	206	45	.	.	PUNCT
easat-10679	207	1	https://doi.org/10.1016/j.heliyon.2023.e14691	https://doi.org/10.1016/j.heliyon.2023.e14691	NOUN
easat-10679	208	1	[	[	X
easat-10679	208	2	7	7	X
easat-10679	208	3	]	]	X
easat-10679	208	4	i.	i.	PROPN
easat-10679	208	5	a.	a.	PROPN
easat-10679	208	6	firmansyah	firmansyah	PROPN
easat-10679	208	7	,	,	PUNCT
easat-10679	208	8	r.	r.	PROPN
easat-10679	208	9	yasirandi	yasirandi	PROPN
easat-10679	208	10	,	,	PUNCT
easat-10679	208	11	and	and	CCONJ
easat-10679	208	12	r.	r.	PROPN
easat-10679	208	13	g.	g.	PROPN
easat-10679	208	14	utomo	utomo	PROPN
easat-10679	208	15	,	,	PUNCT
easat-10679	208	16	"	"	PUNCT
easat-10679	208	17	the	the	DET
easat-10679	208	18	influence	influence	NOUN
easat-10679	208	19	of	of	ADP
easat-10679	208	20	efficacy	efficacy	NOUN
easat-10679	208	21	,	,	PUNCT
easat-10679	208	22	credibility	credibility	NOUN
easat-10679	208	23	,	,	PUNCT
easat-10679	208	24	and	and	CCONJ
easat-10679	208	25	normative	normative	ADJ
easat-10679	208	26	pressure	pressure	NOUN
easat-10679	208	27	to	to	ADP
easat-10679	208	28	mbanking	mbanke	VERB
easat-10679	208	29	adoption	adoption	NOUN
easat-10679	208	30	level	level	NOUN
easat-10679	208	31	in	in	ADP
easat-10679	208	32	indonesia	indonesia	PROPN
easat-10679	208	33	,	,	PUNCT
easat-10679	208	34	"	"	PUNCT
easat-10679	208	35	procedia	procedia	NOUN
easat-10679	208	36	computer	computer	NOUN
easat-10679	208	37	science	science	NOUN
easat-10679	208	38	,	,	PUNCT
easat-10679	208	39	vol	vol	NOUN
easat-10679	208	40	.	.	PROPN
easat-10679	208	41	197	197	NUM
easat-10679	208	42	,	,	PUNCT
easat-10679	208	43	pp	pp	ADJ
easat-10679	208	44	.	.	PUNCT
easat-10679	209	1	51	51	NUM
easat-10679	209	2	-	-	SYM
easat-10679	209	3	60	60	NUM
easat-10679	209	4	,	,	PUNCT
easat-10679	209	5	2022	2022	NUM
easat-10679	209	6	.	.	PUNCT
easat-10679	210	1	https://doi.org/10.1016/j.procs.2021.12.117	https://doi.org/10.1016/j.procs.2021.12.117	PROPN
easat-10679	210	2	[	[	X
easat-10679	210	3	8	8	NUM
easat-10679	210	4	]	]	X
easat-10679	210	5	d.	d.	PROPN
easat-10679	210	6	almajali	almajali	PROPN
easat-10679	210	7	,	,	PUNCT
easat-10679	210	8	m.	m.	NOUN
easat-10679	210	9	al	al	PROPN
easat-10679	210	10	-	-	PROPN
easat-10679	210	11	okaily	okaily	PROPN
easat-10679	210	12	,	,	PUNCT
easat-10679	210	13	k.	k.	PROPN
easat-10679	210	14	al	al	PROPN
easat-10679	210	15	-	-	PUNCT
easat-10679	210	16	daoud	daoud	PROPN
easat-10679	210	17	,	,	PUNCT
easat-10679	210	18	s.	s.	PROPN
easat-10679	210	19	weshah	weshah	PROPN
easat-10679	210	20	,	,	PUNCT
easat-10679	210	21	and	and	CCONJ
easat-10679	210	22	a.	a.	NOUN
easat-10679	210	23	a.	a.	NOUN
easat-10679	210	24	shaikh	shaikh	PROPN
easat-10679	210	25	,	,	PUNCT
easat-10679	210	26	"	"	PUNCT
easat-10679	210	27	go	go	VERB
easat-10679	210	28	cashless	cashless	NOUN
easat-10679	210	29	!	!	PUNCT
easat-10679	211	1	mobile	mobile	ADJ
easat-10679	211	2	payment	payment	NOUN
easat-10679	211	3	apps	app	NOUN
easat-10679	211	4	acceptance	acceptance	NOUN
easat-10679	211	5	in	in	ADP
easat-10679	211	6	developing	develop	VERB
easat-10679	211	7	countries	country	NOUN
easat-10679	211	8	:	:	PUNCT
easat-10679	211	9	the	the	DET
easat-10679	211	10	jordanian	jordanian	ADJ
easat-10679	211	11	context	context	NOUN
easat-10679	211	12	perspective	perspective	NOUN
easat-10679	211	13	,	,	PUNCT
easat-10679	211	14	"	"	PUNCT
easat-10679	211	15	sustainability	sustainability	NOUN
easat-10679	211	16	,	,	PUNCT
easat-10679	211	17	vol	vol	NOUN
easat-10679	211	18	.	.	PROPN
easat-10679	212	1	14	14	NUM
easat-10679	212	2	,	,	PUNCT
easat-10679	212	3	no	no	INTJ
easat-10679	212	4	.	.	NOUN
easat-10679	212	5	20	20	NUM
easat-10679	212	6	,	,	PUNCT
easat-10679	212	7	p.	p.	NOUN
easat-10679	212	8	13524	13524	NUM
easat-10679	212	9	,	,	PUNCT
easat-10679	212	10	2022	2022	NUM
easat-10679	212	11	.	.	PUNCT
easat-10679	213	1	https://doi.org/10.3390/su142013524	https://doi.org/10.3390/su142013524	PROPN
easat-10679	214	1	[	[	X
easat-10679	214	2	9	9	NUM
easat-10679	214	3	]	]	PUNCT
easat-10679	214	4	s.	s.	PROPN
easat-10679	214	5	nookhao	nookhao	PROPN
easat-10679	214	6	and	and	CCONJ
easat-10679	214	7	s.	s.	PROPN
easat-10679	214	8	kiattisin	kiattisin	PROPN
easat-10679	214	9	,	,	PUNCT
easat-10679	214	10	"	"	PUNCT
easat-10679	214	11	achieving	achieve	VERB
easat-10679	214	12	a	a	DET
easat-10679	214	13	successful	successful	ADJ
easat-10679	214	14	e	e	NOUN
easat-10679	214	15	-	-	NOUN
easat-10679	214	16	government	government	NOUN
easat-10679	214	17	:	:	PUNCT
easat-10679	214	18	determinants	determinant	NOUN
easat-10679	214	19	of	of	ADP
easat-10679	214	20	behavioral	behavioral	ADJ
easat-10679	214	21	intention	intention	NOUN
easat-10679	214	22	from	from	ADP
easat-10679	214	23	thai	thai	ADJ
easat-10679	214	24	citizens	citizen	NOUN
easat-10679	214	25	’	’	PART
easat-10679	214	26	perspective	perspective	NOUN
easat-10679	214	27	,	,	PUNCT
easat-10679	214	28	"	"	PUNCT
easat-10679	214	29	heliyon	heliyon	NOUN
easat-10679	214	30	,	,	PUNCT
easat-10679	214	31	vol	vol	NOUN
easat-10679	214	32	.	.	PROPN
easat-10679	214	33	9	9	NUM
easat-10679	214	34	,	,	PUNCT
easat-10679	214	35	no	no	INTJ
easat-10679	214	36	.	.	NOUN
easat-10679	214	37	8	8	NUM
easat-10679	214	38	,	,	PUNCT
easat-10679	214	39	p.	p.	NOUN
easat-10679	214	40	e18944	e18944	PROPN
easat-10679	214	41	,	,	PUNCT
easat-10679	214	42	2023	2023	NUM
easat-10679	214	43	.	.	PUNCT
easat-10679	215	1	https://doi.org/10.1016/j.heliyon.2023.e18944	https://doi.org/10.1016/j.heliyon.2023.e18944	X
easat-10679	216	1	[	[	X
easat-10679	216	2	10	10	NUM
easat-10679	216	3	]	]	PUNCT
easat-10679	216	4	l.	l.	PROPN
easat-10679	216	5	chen	chen	PROPN
easat-10679	216	6	and	and	CCONJ
easat-10679	216	7	a.	a.	PROPN
easat-10679	216	8	k.	k.	PROPN
easat-10679	216	9	aklikokou	aklikokou	PROPN
easat-10679	216	10	,	,	PUNCT
easat-10679	216	11	"	"	PUNCT
easat-10679	216	12	determinants	determinant	NOUN
easat-10679	216	13	of	of	ADP
easat-10679	216	14	e	e	NOUN
easat-10679	216	15	-	-	NOUN
easat-10679	216	16	government	government	ADJ
easat-10679	216	17	adoption	adoption	NOUN
easat-10679	216	18	:	:	PUNCT
easat-10679	216	19	testing	test	VERB
easat-10679	216	20	the	the	DET
easat-10679	216	21	mediating	mediate	VERB
easat-10679	216	22	effects	effect	NOUN
easat-10679	216	23	of	of	ADP
easat-10679	216	24	perceived	perceive	VERB
easat-10679	216	25	usefulness	usefulness	NOUN
easat-10679	216	26	and	and	CCONJ
easat-10679	216	27	perceived	perceive	VERB
easat-10679	216	28	ease	ease	NOUN
easat-10679	216	29	of	of	ADP
easat-10679	216	30	use	use	NOUN
easat-10679	216	31	,	,	PUNCT
easat-10679	216	32	"	"	PUNCT
easat-10679	216	33	international	international	ADJ
easat-10679	216	34	journal	journal	NOUN
easat-10679	216	35	of	of	ADP
easat-10679	216	36	public	public	ADJ
easat-10679	216	37	administration	administration	NOUN
easat-10679	216	38	,	,	PUNCT
easat-10679	216	39	vol	vol	NOUN
easat-10679	216	40	.	.	PROPN
easat-10679	217	1	43	43	NUM
easat-10679	217	2	,	,	PUNCT
easat-10679	217	3	no	no	INTJ
easat-10679	217	4	.	.	NOUN
easat-10679	217	5	10	10	NUM
easat-10679	217	6	,	,	PUNCT
easat-10679	217	7	pp	pp	ADJ
easat-10679	217	8	.	.	PUNCT
easat-10679	218	1	850	850	NUM
easat-10679	218	2	-	-	SYM
easat-10679	218	3	865	865	NUM
easat-10679	218	4	,	,	PUNCT
easat-10679	218	5	2020	2020	NUM
easat-10679	218	6	.	.	PUNCT
easat-10679	219	1	https://doi.org/10.1080/01900692.2019.1660989	https://doi.org/10.1080/01900692.2019.1660989	PROPN
easat-10679	220	1	[	[	X
easat-10679	220	2	11	11	NUM
easat-10679	220	3	]	]	PUNCT
easat-10679	220	4	m.	m.	NOUN
easat-10679	220	5	m.	m.	NOUN
easat-10679	220	6	dos	do	VERB
easat-10679	220	7	santos	santos	PROPN
easat-10679	220	8	bortolocci	bortolocci	PROPN
easat-10679	220	9	espejo	espejo	PROPN
easat-10679	220	10	,	,	PUNCT
easat-10679	220	11	i.	i.	PROPN
easat-10679	220	12	a.	a.	PROPN
easat-10679	220	13	d.	d.	PROPN
easat-10679	220	14	andrade	andrade	PROPN
easat-10679	220	15	,	,	PUNCT
easat-10679	220	16	n.	n.	PROPN
easat-10679	220	17	g.	g.	PROPN
easat-10679	220	18	de	de	PROPN
easat-10679	220	19	oliveira	oliveira	PROPN
easat-10679	220	20	kawai	kawai	PROPN
easat-10679	220	21	,	,	PUNCT
easat-10679	220	22	g.	g.	PROPN
easat-10679	220	23	a.	a.	PROPN
easat-10679	220	24	d.	d.	PROPN
easat-10679	220	25	s.	s.	PROPN
easat-10679	220	26	andrade	andrade	PROPN
easat-10679	220	27	,	,	PUNCT
easat-10679	220	28	and	and	CCONJ
easat-10679	220	29	a.	a.	PROPN
easat-10679	220	30	f.	f.	PROPN
easat-10679	220	31	queiroz	queiroz	PROPN
easat-10679	220	32	,	,	PUNCT
easat-10679	220	33	"	"	PUNCT
easat-10679	220	34	brazilians	brazilians	PROPN
easat-10679	220	35	’	'	PUNCT
easat-10679	220	36	perspective	perspective	NOUN
easat-10679	220	37	about	about	ADP
easat-10679	220	38	adoption	adoption	NOUN
easat-10679	220	39	intention	intention	NOUN
easat-10679	220	40	and	and	CCONJ
easat-10679	220	41	effectiveness	effectiveness	NOUN
easat-10679	220	42	of	of	ADP
easat-10679	220	43	digital	digital	ADJ
easat-10679	220	44	platforms	platform	NOUN
easat-10679	220	45	for	for	ADP
easat-10679	220	46	online	online	ADJ
easat-10679	220	47	learning	learning	NOUN
easat-10679	220	48	during	during	ADP
easat-10679	220	49	covid-19	covid-19	PROPN
easat-10679	220	50	,	,	PUNCT
easat-10679	220	51	"	"	PUNCT
easat-10679	220	52	quipukamayoc	quipukamayoc	NOUN
easat-10679	220	53	,	,	PUNCT
easat-10679	220	54	vol	vol	NOUN
easat-10679	220	55	.	.	PROPN
easat-10679	220	56	30	30	NUM
easat-10679	220	57	,	,	PUNCT
easat-10679	220	58	no	no	INTJ
easat-10679	220	59	.	.	NOUN
easat-10679	220	60	63	63	NUM
easat-10679	220	61	,	,	PUNCT
easat-10679	220	62	pp	pp	ADJ
easat-10679	220	63	.	.	PUNCT
easat-10679	221	1	9	9	NUM
easat-10679	221	2	-	-	SYM
easat-10679	221	3	18	18	NUM
easat-10679	221	4	,	,	PUNCT
easat-10679	221	5	2022	2022	NUM
easat-10679	221	6	.	.	PUNCT
easat-10679	222	1	[	[	X
easat-10679	222	2	12	12	NUM
easat-10679	222	3	]	]	X
easat-10679	222	4	l.	l.	PROPN
easat-10679	222	5	fan	fan	PROPN
easat-10679	222	6	,	,	PUNCT
easat-10679	222	7	x.	x.	PROPN
easat-10679	222	8	zhang	zhang	PROPN
easat-10679	222	9	,	,	PUNCT
easat-10679	222	10	l.	l.	PROPN
easat-10679	222	11	rai	rai	PROPN
easat-10679	222	12	,	,	PUNCT
easat-10679	222	13	and	and	CCONJ
easat-10679	222	14	y.	y.	PROPN
easat-10679	222	15	du	du	PROPN
easat-10679	222	16	,	,	PUNCT
easat-10679	222	17	"	"	PUNCT
easat-10679	222	18	mobile	mobile	ADJ
easat-10679	222	19	payment	payment	NOUN
easat-10679	222	20	:	:	PUNCT
easat-10679	222	21	the	the	DET
easat-10679	222	22	next	next	ADJ
easat-10679	222	23	frontier	frontier	NOUN
easat-10679	222	24	of	of	ADP
easat-10679	222	25	payment	payment	NOUN
easat-10679	222	26	systems?-an	systems?-an	PROPN
easat-10679	222	27	empirical	empirical	ADJ
easat-10679	222	28	study	study	NOUN
easat-10679	222	29	based	base	VERB
easat-10679	222	30	on	on	ADP
easat-10679	222	31	push	push	NOUN
easat-10679	222	32	-	-	PUNCT
easat-10679	222	33	pull	pull	NOUN
easat-10679	222	34	-	-	PUNCT
easat-10679	222	35	mooring	mooring	NOUN
easat-10679	222	36	framework	framework	NOUN
easat-10679	222	37	,	,	PUNCT
easat-10679	222	38	"	"	PUNCT
easat-10679	222	39	journal	journal	NOUN
easat-10679	222	40	of	of	ADP
easat-10679	222	41	theoretical	theoretical	ADJ
easat-10679	222	42	and	and	CCONJ
easat-10679	222	43	applied	apply	VERB
easat-10679	222	44	electronic	electronic	ADJ
easat-10679	222	45	commerce	commerce	NOUN
easat-10679	222	46	research	research	NOUN
easat-10679	222	47	,	,	PUNCT
easat-10679	222	48	vol	vol	NOUN
easat-10679	222	49	.	.	PROPN
easat-10679	223	1	16	16	NUM
easat-10679	223	2	,	,	PUNCT
easat-10679	223	3	no	no	INTJ
easat-10679	223	4	.	.	NOUN
easat-10679	223	5	2	2	NUM
easat-10679	223	6	,	,	PUNCT
easat-10679	223	7	pp	pp	ADJ
easat-10679	223	8	.	.	PUNCT
easat-10679	224	1	155	155	NUM
easat-10679	224	2	-	-	SYM
easat-10679	224	3	169	169	NUM
easat-10679	224	4	,	,	PUNCT
easat-10679	224	5	2021	2021	NUM
easat-10679	224	6	.	.	PUNCT
easat-10679	225	1	http://dx.doi.org/10.4067/s0718-18762021000200111	http://dx.doi.org/10.4067/s0718-18762021000200111	PROPN
easat-10679	225	2	[	[	X
easat-10679	225	3	13	13	NUM
easat-10679	225	4	]	]	PUNCT
easat-10679	225	5	w.	w.	PROPN
easat-10679	225	6	müller	müller	PROPN
easat-10679	225	7	and	and	CCONJ
easat-10679	225	8	m.	m.	PROPN
easat-10679	225	9	leyer	leyer	PROPN
easat-10679	225	10	,	,	PUNCT
easat-10679	225	11	"	"	PUNCT
easat-10679	225	12	understanding	understand	VERB
easat-10679	225	13	intention	intention	NOUN
easat-10679	225	14	and	and	CCONJ
easat-10679	225	15	use	use	NOUN
easat-10679	225	16	of	of	ADP
easat-10679	225	17	digital	digital	ADJ
easat-10679	225	18	elements	element	NOUN
easat-10679	225	19	in	in	ADP
easat-10679	225	20	higher	high	ADJ
easat-10679	225	21	education	education	NOUN
easat-10679	225	22	teaching	teaching	NOUN
easat-10679	225	23	,	,	PUNCT
easat-10679	225	24	"	"	PUNCT
easat-10679	225	25	education	education	NOUN
easat-10679	225	26	and	and	CCONJ
easat-10679	225	27	information	information	NOUN
easat-10679	225	28	technologies	technology	NOUN
easat-10679	225	29	,	,	PUNCT
easat-10679	225	30	vol	vol	NOUN
easat-10679	225	31	.	.	PROPN
easat-10679	225	32	28	28	NUM
easat-10679	225	33	,	,	PUNCT
easat-10679	225	34	pp	pp	ADJ
easat-10679	225	35	.	.	PUNCT
easat-10679	226	1	15571	15571	NUM
easat-10679	226	2	-	-	SYM
easat-10679	226	3	15597	15597	NUM
easat-10679	226	4	,	,	PUNCT
easat-10679	226	5	2023	2023	NUM
easat-10679	226	6	.	.	PUNCT
easat-10679	227	1	https://doi.org/10.1007/s10639-023-11798-2	https://doi.org/10.1007/s10639-023-11798-2	NUM
easat-10679	228	1	[	[	X
easat-10679	228	2	14	14	NUM
easat-10679	228	3	]	]	X
easat-10679	228	4	j.	j.	PROPN
easat-10679	228	5	aminata	aminata	PROPN
easat-10679	228	6	and	and	CCONJ
easat-10679	228	7	g.	g.	PROPN
easat-10679	228	8	e.	e.	PROPN
easat-10679	228	9	sjarif	sjarif	PROPN
easat-10679	228	10	,	,	PUNCT
easat-10679	228	11	"	"	PUNCT
easat-10679	228	12	towards	towards	ADP
easat-10679	228	13	a	a	DET
easat-10679	228	14	cashless	cashless	NOUN
easat-10679	228	15	society	society	NOUN
easat-10679	228	16	in	in	ADP
easat-10679	228	17	indonesia	indonesia	PROPN
easat-10679	228	18	:	:	PUNCT
easat-10679	228	19	the	the	DET
easat-10679	228	20	impact	impact	NOUN
easat-10679	228	21	on	on	ADP
easat-10679	228	22	economic	economic	ADJ
easat-10679	228	23	growth	growth	NOUN
easat-10679	228	24	and	and	CCONJ
easat-10679	228	25	interest	interest	NOUN
easat-10679	228	26	rate	rate	NOUN
easat-10679	228	27	,	,	PUNCT
easat-10679	228	28	"	"	PUNCT
easat-10679	228	29	indonesian	indonesian	ADJ
easat-10679	228	30	journal	journal	NOUN
easat-10679	228	31	of	of	ADP
easat-10679	228	32	economics	economic	NOUN
easat-10679	228	33	,	,	PUNCT
easat-10679	228	34	entrepreneurship	entrepreneurship	NOUN
easat-10679	228	35	,	,	PUNCT
easat-10679	228	36	and	and	CCONJ
easat-10679	228	37	innovation	innovation	NOUN
easat-10679	228	38	,	,	PUNCT
easat-10679	228	39	vol	vol	NOUN
easat-10679	228	40	.	.	PROPN
easat-10679	228	41	1	1	NUM
easat-10679	228	42	,	,	PUNCT
easat-10679	228	43	no	no	INTJ
easat-10679	228	44	.	.	NOUN
easat-10679	228	45	2	2	NUM
easat-10679	228	46	,	,	PUNCT
easat-10679	228	47	pp	pp	ADJ
easat-10679	228	48	.	.	PUNCT
easat-10679	229	1	62	62	NUM
easat-10679	229	2	-	-	SYM
easat-10679	229	3	68	68	NUM
easat-10679	229	4	,	,	PUNCT
easat-10679	229	5	2020	2020	NUM
easat-10679	229	6	.	.	PUNCT
easat-10679	230	1	[	[	X
easat-10679	230	2	15	15	NUM
easat-10679	230	3	]	]	X
easat-10679	230	4	w.	w.	PROPN
easat-10679	230	5	h.	h.	PROPN
easat-10679	230	6	delone	delone	PROPN
easat-10679	230	7	and	and	CCONJ
easat-10679	230	8	e.	e.	PROPN
easat-10679	230	9	r.	r.	PROPN
easat-10679	230	10	mclean	mclean	PROPN
easat-10679	230	11	,	,	PUNCT
easat-10679	230	12	"	"	PUNCT
easat-10679	230	13	the	the	DET
easat-10679	230	14	delone	delone	NOUN
easat-10679	230	15	and	and	CCONJ
easat-10679	230	16	mclean	mclean	PROPN
easat-10679	230	17	model	model	NOUN
easat-10679	230	18	of	of	ADP
easat-10679	230	19	information	information	NOUN
easat-10679	230	20	systems	system	NOUN
easat-10679	230	21	success	success	NOUN
easat-10679	230	22	:	:	PUNCT
easat-10679	230	23	a	a	DET
easat-10679	230	24	ten	ten	NUM
easat-10679	230	25	-	-	PUNCT
easat-10679	230	26	year	year	NOUN
easat-10679	230	27	update	update	NOUN
easat-10679	230	28	,	,	PUNCT
easat-10679	230	29	"	"	PUNCT
easat-10679	230	30	journal	journal	NOUN
easat-10679	230	31	of	of	ADP
easat-10679	230	32	management	management	NOUN
easat-10679	230	33	information	information	NOUN
easat-10679	230	34	systems	system	NOUN
easat-10679	230	35	,	,	PUNCT
easat-10679	230	36	vol	vol	NOUN
easat-10679	230	37	.	.	PROPN
easat-10679	230	38	19	19	NUM
easat-10679	230	39	,	,	PUNCT
easat-10679	230	40	no	no	INTJ
easat-10679	230	41	.	.	NOUN
easat-10679	230	42	4	4	NUM
easat-10679	230	43	,	,	PUNCT
easat-10679	230	44	pp	pp	ADJ
easat-10679	230	45	.	.	PUNCT
easat-10679	231	1	9	9	NUM
easat-10679	231	2	-	-	SYM
easat-10679	231	3	30	30	NUM
easat-10679	231	4	,	,	PUNCT
easat-10679	231	5	2003	2003	NUM
easat-10679	231	6	.	.	PUNCT
easat-10679	231	7	https://doi.org/10.1080/07421222.2003.11045748	https://doi.org/10.1080/07421222.2003.11045748	PUNCT
easat-10679	232	1	[	[	X
easat-10679	232	2	16	16	NUM
easat-10679	232	3	]	]	X
easat-10679	232	4	f.	f.	PROPN
easat-10679	232	5	d.	d.	PROPN
easat-10679	232	6	davis	davis	PROPN
easat-10679	232	7	,	,	PUNCT
easat-10679	232	8	"	"	PUNCT
easat-10679	232	9	a	a	DET
easat-10679	232	10	technology	technology	NOUN
easat-10679	232	11	acceptance	acceptance	NOUN
easat-10679	232	12	model	model	NOUN
easat-10679	232	13	for	for	ADP
easat-10679	232	14	empirically	empirically	ADV
easat-10679	232	15	testing	test	VERB
easat-10679	232	16	new	new	ADJ
easat-10679	232	17	end	end	NOUN
easat-10679	232	18	-	-	PUNCT
easat-10679	232	19	user	user	NOUN
easat-10679	232	20	information	information	NOUN
easat-10679	232	21	systems	system	NOUN
easat-10679	232	22	:	:	PUNCT
easat-10679	232	23	theory	theory	NOUN
easat-10679	232	24	and	and	CCONJ
easat-10679	232	25	results	result	NOUN
easat-10679	232	26	,	,	PUNCT
easat-10679	232	27	"	"	PUNCT
easat-10679	232	28	phd	phd	NOUN
easat-10679	232	29	thesis	thesis	NOUN
easat-10679	232	30	,	,	PUNCT
easat-10679	232	31	sloan	sloan	NOUN
easat-10679	232	32	school	school	NOUN
easat-10679	232	33	of	of	ADP
easat-10679	232	34	management	management	NOUN
easat-10679	232	35	,	,	PUNCT
easat-10679	232	36	massachusetts	massachusetts	PROPN
easat-10679	232	37	institute	institute	PROPN
easat-10679	232	38	of	of	ADP
easat-10679	232	39	technology	technology	PROPN
easat-10679	232	40	,	,	PUNCT
easat-10679	232	41	1986	1986	NUM
easat-10679	232	42	.	.	PUNCT
easat-10679	233	1	[	[	X
easat-10679	233	2	17	17	NUM
easat-10679	233	3	]	]	PUNCT
easat-10679	233	4	a.	a.	NOUN
easat-10679	233	5	t.	t.	NOUN
easat-10679	233	6	to	to	ADP
easat-10679	233	7	and	and	CCONJ
easat-10679	233	8	t.	t.	PROPN
easat-10679	233	9	h.	h.	PROPN
easat-10679	233	10	m.	m.	PROPN
easat-10679	233	11	trinh	trinh	PROPN
easat-10679	233	12	,	,	PUNCT
easat-10679	233	13	"	"	PUNCT
easat-10679	233	14	understanding	understand	VERB
easat-10679	233	15	behavioral	behavioral	ADJ
easat-10679	233	16	intention	intention	NOUN
easat-10679	233	17	to	to	PART
easat-10679	233	18	use	use	VERB
easat-10679	233	19	mobile	mobile	ADJ
easat-10679	233	20	wallets	wallet	NOUN
easat-10679	233	21	in	in	ADP
easat-10679	233	22	vietnam	vietnam	PROPN
easat-10679	233	23	:	:	PUNCT
easat-10679	233	24	extending	extend	VERB
easat-10679	233	25	the	the	DET
easat-10679	233	26	tam	tam	NOUN
easat-10679	233	27	model	model	NOUN
easat-10679	233	28	with	with	ADP
easat-10679	233	29	trust	trust	NOUN
easat-10679	233	30	and	and	CCONJ
easat-10679	233	31	enjoyment	enjoyment	NOUN
easat-10679	233	32	,	,	PUNCT
easat-10679	233	33	"	"	PUNCT
easat-10679	233	34	cogent	cogent	NOUN
easat-10679	233	35	business	business	NOUN
easat-10679	233	36	&	&	CCONJ
easat-10679	233	37	management	management	PROPN
easat-10679	233	38	,	,	PUNCT
easat-10679	233	39	vol	vol	NOUN
easat-10679	233	40	.	.	PROPN
easat-10679	233	41	8	8	NUM
easat-10679	233	42	,	,	PUNCT
easat-10679	233	43	no	no	INTJ
easat-10679	233	44	.	.	NOUN
easat-10679	233	45	1	1	NUM
easat-10679	233	46	,	,	PUNCT
easat-10679	233	47	p.	p.	NOUN
easat-10679	233	48	1891661	1891661	NUM
easat-10679	233	49	,	,	PUNCT
easat-10679	233	50	2021	2021	NUM
easat-10679	233	51	.	.	PUNCT
easat-10679	234	1	https://doi.org/10.1080/23311975.2021.1891661	https://doi.org/10.1080/23311975.2021.1891661	PUNCT
easat-10679	235	1	[	[	X
easat-10679	235	2	18	18	NUM
easat-10679	235	3	]	]	X
easat-10679	235	4	c.	c.	NOUN
easat-10679	235	5	chunlei	chunlei	NOUN
easat-10679	235	6	,	,	PUNCT
easat-10679	235	7	a.	a.	PROPN
easat-10679	235	8	h.	h.	PROPN
easat-10679	235	9	b.	b.	PROPN
easat-10679	235	10	jantan	jantan	PROPN
easat-10679	235	11	,	,	PUNCT
easat-10679	235	12	and	and	CCONJ
easat-10679	235	13	a.	a.	NOUN
easat-10679	235	14	mohammadi	mohammadi	NOUN
easat-10679	235	15	,	,	PUNCT
easat-10679	235	16	"	"	PUNCT
easat-10679	235	17	the	the	DET
easat-10679	235	18	intervening	intervene	VERB
easat-10679	235	19	role	role	NOUN
easat-10679	235	20	of	of	ADP
easat-10679	235	21	perceived	perceive	VERB
easat-10679	235	22	ease	ease	NOUN
easat-10679	235	23	of	of	ADP
easat-10679	235	24	use	use	NOUN
easat-10679	235	25	and	and	CCONJ
easat-10679	235	26	perceived	perceive	VERB
easat-10679	235	27	usefulness	usefulness	NOUN
easat-10679	235	28	on	on	ADP
easat-10679	235	29	the	the	DET
easat-10679	235	30	relationship	relationship	NOUN
easat-10679	235	31	between	between	ADP
easat-10679	235	32	information	information	NOUN
easat-10679	235	33	quality	quality	NOUN
easat-10679	235	34	,	,	PUNCT
easat-10679	235	35	system	system	NOUN
easat-10679	235	36	quality	quality	NOUN
easat-10679	235	37	,	,	PUNCT
easat-10679	235	38	service	service	NOUN
easat-10679	235	39	quality	quality	NOUN
easat-10679	235	40	and	and	CCONJ
easat-10679	235	41	building	build	VERB
easat-10679	235	42	information	information	NOUN
easat-10679	235	43	model	model	NOUN
easat-10679	235	44	(	(	PUNCT
easat-10679	235	45	bim	bim	NOUN
easat-10679	235	46	)	)	PUNCT
easat-10679	235	47	user	user	NOUN
easat-10679	235	48	satisfaction	satisfaction	NOUN
easat-10679	235	49	in	in	ADP
easat-10679	235	50	china	china	PROPN
easat-10679	235	51	,	,	PUNCT
easat-10679	235	52	"	"	PUNCT
easat-10679	235	53	journal	journal	NOUN
easat-10679	235	54	of	of	ADP
easat-10679	235	55	international	international	ADJ
easat-10679	235	56	business	business	NOUN
easat-10679	235	57	and	and	CCONJ
easat-10679	235	58	management	management	NOUN
easat-10679	235	59	,	,	PUNCT
easat-10679	235	60	vol	vol	NOUN
easat-10679	235	61	.	.	PROPN
easat-10679	235	62	6	6	NUM
easat-10679	235	63	,	,	PUNCT
easat-10679	235	64	no	no	INTJ
easat-10679	235	65	.	.	NOUN
easat-10679	235	66	12	12	NUM
easat-10679	235	67	,	,	PUNCT
easat-10679	235	68	pp	pp	ADJ
easat-10679	235	69	.	.	PUNCT
easat-10679	235	70	01	01	NUM
easat-10679	235	71	-	-	SYM
easat-10679	235	72	12	12	NUM
easat-10679	235	73	,	,	PUNCT
easat-10679	235	74	2023	2023	NUM
easat-10679	235	75	.	.	PUNCT
easat-10679	235	76	https://doi.org/10.37227/jibm-2023-11-6298	https://doi.org/10.37227/jibm-2023-11-6298	PUNCT
easat-10679	236	1	[	[	X
easat-10679	236	2	19	19	NUM
easat-10679	236	3	]	]	X
easat-10679	236	4	y.	y.	PROPN
easat-10679	236	5	ramli	ramli	PROPN
easat-10679	236	6	,	,	PUNCT
easat-10679	236	7	y.	y.	PROPN
easat-10679	236	8	harwani	harwani	PROPN
easat-10679	236	9	,	,	PUNCT
easat-10679	236	10	m.	m.	NOUN
easat-10679	236	11	soelton	soelton	NOUN
easat-10679	236	12	,	,	PUNCT
easat-10679	236	13	s.	s.	PROPN
easat-10679	236	14	hariani	hariani	PROPN
easat-10679	236	15	,	,	PUNCT
easat-10679	236	16	f.	f.	PROPN
easat-10679	236	17	usman	usman	PROPN
easat-10679	236	18	,	,	PUNCT
easat-10679	236	19	and	and	CCONJ
easat-10679	236	20	f.	f.	PROPN
easat-10679	236	21	rohman	rohman	PROPN
easat-10679	236	22	,	,	PUNCT
easat-10679	236	23	"	"	PUNCT
easat-10679	236	24	the	the	DET
easat-10679	236	25	implication	implication	NOUN
easat-10679	236	26	of	of	ADP
easat-10679	236	27	trust	trust	NOUN
easat-10679	236	28	that	that	PRON
easat-10679	236	29	influences	influence	VERB
easat-10679	236	30	customers	customer	NOUN
easat-10679	236	31	'	'	PART
easat-10679	236	32	intention	intention	NOUN
easat-10679	236	33	to	to	PART
easat-10679	236	34	use	use	VERB
easat-10679	236	35	mobile	mobile	ADJ
easat-10679	236	36	banking	banking	NOUN
easat-10679	236	37	,	,	PUNCT
easat-10679	236	38	"	"	PUNCT
easat-10679	236	39	the	the	DET
easat-10679	236	40	journal	journal	NOUN
easat-10679	236	41	of	of	ADP
easat-10679	236	42	asian	asian	ADJ
easat-10679	236	43	finance	finance	NOUN
easat-10679	236	44	,	,	PUNCT
easat-10679	236	45	economics	economic	NOUN
easat-10679	236	46	and	and	CCONJ
easat-10679	236	47	business	business	NOUN
easat-10679	236	48	,	,	PUNCT
easat-10679	236	49	vol	vol	NOUN
easat-10679	236	50	.	.	PROPN
easat-10679	236	51	8	8	NUM
easat-10679	236	52	,	,	PUNCT
easat-10679	236	53	no	no	INTJ
easat-10679	236	54	.	.	NOUN
easat-10679	236	55	1	1	NUM
easat-10679	236	56	,	,	PUNCT
easat-10679	236	57	pp	pp	ADJ
easat-10679	236	58	.	.	PUNCT
easat-10679	237	1	353	353	NUM
easat-10679	237	2	-	-	SYM
easat-10679	237	3	361	361	NUM
easat-10679	237	4	,	,	PUNCT
easat-10679	237	5	2021	2021	NUM
easat-10679	237	6	.	.	PUNCT
easat-10679	238	1	https://doi.org/10.13106/jafeb.2021.vol8.no1.353	https://doi.org/10.13106/jafeb.2021.vol8.no1.353	PROPN
easat-10679	238	2	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-10679	238	3	https://doi.org/10.1108/k-07-2022-1049	https://doi.org/10.1108/k-07-2022-1049	PROPN
easat-10679	238	4	https://doi.org/10.1016/j.digbus.2023.100065	https://doi.org/10.1016/j.digbus.2023.100065	PROPN
easat-10679	238	5	https://doi.org/10.1504/ijads.2021.112933	https://doi.org/10.1504/ijads.2021.112933	PROPN
easat-10679	238	6	https://doi.org/10.22937/ijcsns.2021.21.8.41	https://doi.org/10.22937/ijcsns.2021.21.8.41	NOUN
easat-10679	238	7	https://doi.org/10.1016/j.heliyon.2023.e14691	https://doi.org/10.1016/j.heliyon.2023.e14691	NOUN
easat-10679	238	8	https://doi.org/10.1016/j.procs.2021.12.117	https://doi.org/10.1016/j.procs.2021.12.117	PROPN
easat-10679	238	9	https://doi.org/10.3390/su142013524	https://doi.org/10.3390/su142013524	PROPN
easat-10679	238	10	https://doi.org/10.1016/j.heliyon.2023.e18944	https://doi.org/10.1016/j.heliyon.2023.e18944	VERB
easat-10679	238	11	https://doi.org/10.1080/01900692.2019.1660989	https://doi.org/10.1080/01900692.2019.1660989	PROPN
easat-10679	238	12	http://dx.doi.org/10.4067/s0718-18762021000200111	http://dx.doi.org/10.4067/s0718-18762021000200111	PROPN
easat-10679	238	13	https://doi.org/10.1007/s10639-023-11798-2	https://doi.org/10.1007/s10639-023-11798-2	NUM
easat-10679	238	14	https://doi.org/10.1080/07421222.2003.11045748	https://doi.org/10.1080/07421222.2003.11045748	X
easat-10679	239	1	https://doi.org/10.1080/23311975.2021.1891661	https://doi.org/10.1080/23311975.2021.1891661	X
easat-10679	239	2	https://doi.org/10.37227/jibm-2023-11-6298	https://doi.org/10.37227/jibm-2023-11-6298	SYM
easat-10679	239	3	https://doi.org/10.13106/jafeb.2021.vol8.no1.353	https://doi.org/10.13106/jafeb.2021.vol8.no1.353	PROPN
easat-10679	239	4	1457	1457	NUM
easat-10679	239	5	edelweiss	edelweiss	PROPN
easat-10679	239	6	applied	apply	VERB
easat-10679	239	7	science	science	NOUN
easat-10679	239	8	and	and	CCONJ
easat-10679	239	9	technology	technology	NOUN
easat-10679	239	10	issn	issn	PROPN
easat-10679	239	11	:	:	PUNCT
easat-10679	239	12	2576	2576	NUM
easat-10679	239	13	-	-	SYM
easat-10679	239	14	8484	8484	NUM
easat-10679	239	15	vol	vol	NOUN
easat-10679	239	16	.	.	PROPN
easat-10679	240	1	9	9	NUM
easat-10679	240	2	,	,	PUNCT
easat-10679	240	3	no	no	INTJ
easat-10679	240	4	.	.	NOUN
easat-10679	240	5	10	10	NUM
easat-10679	240	6	:	:	SYM
easat-10679	240	7	1449	1449	NUM
easat-10679	240	8	-	-	SYM
easat-10679	240	9	1458	1458	NUM
easat-10679	240	10	,	,	PUNCT
easat-10679	240	11	2025	2025	NUM
easat-10679	240	12	doi	doi	NOUN
easat-10679	240	13	:	:	PUNCT
easat-10679	240	14	10.55214/2576	10.55214/2576	NUM
easat-10679	240	15	-	-	SYM
easat-10679	240	16	8484.v9i10.10679	8484.v9i10.10679	NUM
easat-10679	241	1	©	©	PROPN
easat-10679	241	2	2025	2025	NUM
easat-10679	241	3	by	by	ADP
easat-10679	241	4	the	the	DET
easat-10679	241	5	authors	author	NOUN
easat-10679	241	6	;	;	PUNCT
easat-10679	241	7	licensee	licensee	PROPN
easat-10679	241	8	learning	learning	NOUN
easat-10679	241	9	gate	gate	NOUN
easat-10679	242	1	[	[	X
easat-10679	242	2	20	20	NUM
easat-10679	242	3	]	]	PUNCT
easat-10679	242	4	i.	i.	PROPN
easat-10679	242	5	k.	k.	PROPN
easat-10679	242	6	mensah	mensah	PROPN
easat-10679	242	7	,	,	PUNCT
easat-10679	242	8	"	"	PUNCT
easat-10679	242	9	impact	impact	NOUN
easat-10679	242	10	of	of	ADP
easat-10679	242	11	government	government	NOUN
easat-10679	242	12	capacity	capacity	NOUN
easat-10679	242	13	and	and	CCONJ
easat-10679	242	14	e	e	NOUN
easat-10679	242	15	-	-	NOUN
easat-10679	242	16	government	government	NOUN
easat-10679	242	17	performance	performance	NOUN
easat-10679	242	18	on	on	ADP
easat-10679	242	19	the	the	DET
easat-10679	242	20	adoption	adoption	NOUN
easat-10679	242	21	of	of	ADP
easat-10679	242	22	e	e	NOUN
easat-10679	242	23	-	-	NOUN
easat-10679	242	24	government	government	NOUN
easat-10679	242	25	services	service	NOUN
easat-10679	242	26	,	,	PUNCT
easat-10679	242	27	"	"	PUNCT
easat-10679	242	28	international	international	ADJ
easat-10679	242	29	journal	journal	NOUN
easat-10679	242	30	of	of	ADP
easat-10679	242	31	public	public	ADJ
easat-10679	242	32	administration	administration	NOUN
easat-10679	242	33	,	,	PUNCT
easat-10679	242	34	vol	vol	NOUN
easat-10679	242	35	.	.	PROPN
easat-10679	243	1	43	43	NUM
easat-10679	243	2	,	,	PUNCT
easat-10679	243	3	no	no	INTJ
easat-10679	243	4	.	.	NOUN
easat-10679	243	5	4	4	NUM
easat-10679	243	6	,	,	PUNCT
easat-10679	243	7	pp	pp	ADJ
easat-10679	243	8	.	.	PUNCT
easat-10679	244	1	303	303	NUM
easat-10679	244	2	-	-	SYM
easat-10679	244	3	311	311	NUM
easat-10679	244	4	,	,	PUNCT
easat-10679	244	5	2020	2020	NUM
easat-10679	244	6	.	.	PUNCT
easat-10679	245	1	https://doi.org/10.1080/01900692.2019.1628059	https://doi.org/10.1080/01900692.2019.1628059	PUNCT
easat-10679	246	1	[	[	X
easat-10679	246	2	21	21	NUM
easat-10679	246	3	]	]	X
easat-10679	246	4	y.	y.	PROPN
easat-10679	246	5	zheng	zheng	PROPN
easat-10679	246	6	,	,	PUNCT
easat-10679	246	7	k.	k.	PROPN
easat-10679	246	8	zhao	zhao	PROPN
easat-10679	246	9	,	,	PUNCT
easat-10679	246	10	and	and	CCONJ
easat-10679	246	11	a.	a.	NOUN
easat-10679	246	12	stylianou	stylianou	NOUN
easat-10679	246	13	,	,	PUNCT
easat-10679	246	14	"	"	PUNCT
easat-10679	246	15	the	the	DET
easat-10679	246	16	impacts	impact	NOUN
easat-10679	246	17	of	of	ADP
easat-10679	246	18	information	information	NOUN
easat-10679	246	19	quality	quality	NOUN
easat-10679	246	20	and	and	CCONJ
easat-10679	246	21	system	system	NOUN
easat-10679	246	22	quality	quality	NOUN
easat-10679	246	23	on	on	ADP
easat-10679	246	24	users	user	NOUN
easat-10679	246	25	'	'	PART
easat-10679	246	26	continuance	continuance	NOUN
easat-10679	246	27	intention	intention	NOUN
easat-10679	246	28	in	in	ADP
easat-10679	246	29	information	information	NOUN
easat-10679	246	30	-	-	PUNCT
easat-10679	246	31	exchange	exchange	NOUN
easat-10679	246	32	virtual	virtual	ADJ
easat-10679	246	33	communities	community	NOUN
easat-10679	246	34	:	:	PUNCT
easat-10679	246	35	an	an	DET
easat-10679	246	36	empirical	empirical	ADJ
easat-10679	246	37	investigation	investigation	NOUN
easat-10679	246	38	,	,	PUNCT
easat-10679	246	39	"	"	PUNCT
easat-10679	246	40	decision	decision	NOUN
easat-10679	246	41	support	support	NOUN
easat-10679	246	42	systems	system	NOUN
easat-10679	246	43	,	,	PUNCT
easat-10679	246	44	vol	vol	NOUN
easat-10679	246	45	.	.	PROPN
easat-10679	246	46	56	56	NUM
easat-10679	246	47	,	,	PUNCT
easat-10679	246	48	pp	pp	ADJ
easat-10679	246	49	.	.	PUNCT
easat-10679	247	1	513	513	NUM
easat-10679	247	2	-	-	SYM
easat-10679	247	3	524	524	NUM
easat-10679	247	4	,	,	PUNCT
easat-10679	247	5	2013	2013	NUM
easat-10679	247	6	.	.	PUNCT
easat-10679	248	1	https://doi.org/10.1016/j.dss.2012.11.008	https://doi.org/10.1016/j.dss.2012.11.008	NOUN
easat-10679	249	1	[	[	X
easat-10679	249	2	22	22	NUM
easat-10679	249	3	]	]	X
easat-10679	249	4	y.	y.	PROPN
easat-10679	249	5	li	li	PROPN
easat-10679	249	6	and	and	CCONJ
easat-10679	249	7	h.	h.	PROPN
easat-10679	249	8	shang	shang	PROPN
easat-10679	249	9	,	,	PUNCT
easat-10679	249	10	"	"	PUNCT
easat-10679	249	11	service	service	NOUN
easat-10679	249	12	quality	quality	NOUN
easat-10679	249	13	,	,	PUNCT
easat-10679	249	14	perceived	perceive	VERB
easat-10679	249	15	value	value	NOUN
easat-10679	249	16	,	,	PUNCT
easat-10679	249	17	and	and	CCONJ
easat-10679	249	18	citizens	citizen	NOUN
easat-10679	249	19	’	’	PART
easat-10679	249	20	continuous	continuous	ADJ
easat-10679	249	21	-	-	PUNCT
easat-10679	249	22	use	use	NOUN
easat-10679	249	23	intention	intention	NOUN
easat-10679	249	24	regarding	regard	VERB
easat-10679	249	25	e	e	NOUN
easat-10679	249	26	-	-	NOUN
easat-10679	249	27	government	government	NOUN
easat-10679	249	28	:	:	PUNCT
easat-10679	249	29	empirical	empirical	ADJ
easat-10679	249	30	evidence	evidence	NOUN
easat-10679	249	31	from	from	ADP
easat-10679	249	32	china	china	PROPN
easat-10679	249	33	,	,	PUNCT
easat-10679	249	34	"	"	PUNCT
easat-10679	249	35	information	information	NOUN
easat-10679	249	36	&	&	CCONJ
easat-10679	249	37	management	management	NOUN
easat-10679	249	38	,	,	PUNCT
easat-10679	249	39	vol	vol	NOUN
easat-10679	249	40	.	.	PROPN
easat-10679	249	41	57	57	NUM
easat-10679	249	42	,	,	PUNCT
easat-10679	249	43	no	no	INTJ
easat-10679	249	44	.	.	NOUN
easat-10679	249	45	3	3	NUM
easat-10679	249	46	,	,	PUNCT
easat-10679	249	47	p.	p.	NOUN
easat-10679	249	48	103197	103197	NUM
easat-10679	249	49	,	,	PUNCT
easat-10679	249	50	2020	2020	NUM
easat-10679	249	51	.	.	PUNCT
easat-10679	250	1	https://doi.org/10.1016/j.im.2019.103197	https://doi.org/10.1016/j.im.2019.103197	NOUN
easat-10679	251	1	[	[	X
easat-10679	251	2	23	23	NUM
easat-10679	251	3	]	]	PUNCT
easat-10679	251	4	a.	a.	NOUN
easat-10679	251	5	p.	p.	NOUN
easat-10679	251	6	permatasari	permatasari	PROPN
easat-10679	251	7	and	and	CCONJ
easat-10679	251	8	d.	d.	PROPN
easat-10679	251	9	anandya	anandya	PROPN
easat-10679	251	10	,	,	PUNCT
easat-10679	251	11	"	"	PUNCT
easat-10679	251	12	how	how	SCONJ
easat-10679	251	13	intention	intention	NOUN
easat-10679	251	14	to	to	PART
easat-10679	251	15	use	use	VERB
easat-10679	251	16	mobile	mobile	ADJ
easat-10679	251	17	payment	payment	NOUN
easat-10679	251	18	in	in	ADP
easat-10679	251	19	indonesia	indonesia	PROPN
easat-10679	251	20	formed	form	VERB
easat-10679	251	21	?	?	PUNCT
easat-10679	252	1	the	the	DET
easat-10679	252	2	role	role	NOUN
easat-10679	252	3	of	of	ADP
easat-10679	252	4	innovativeness	innovativeness	NOUN
easat-10679	252	5	,	,	PUNCT
easat-10679	252	6	usefulness	usefulness	NOUN
easat-10679	252	7	,	,	PUNCT
easat-10679	252	8	risk	risk	NOUN
easat-10679	252	9	,	,	PUNCT
easat-10679	252	10	and	and	CCONJ
easat-10679	252	11	user	user	NOUN
easat-10679	252	12	stress	stress	NOUN
easat-10679	252	13	,	,	PUNCT
easat-10679	252	14	"	"	PUNCT
easat-10679	252	15	revista	revista	PROPN
easat-10679	252	16	de	de	X
easat-10679	252	17	gestão	gestão	PROPN
easat-10679	252	18	social	social	PROPN
easat-10679	252	19	e	e	PROPN
easat-10679	252	20	ambiental	ambiental	ADJ
easat-10679	252	21	,	,	PUNCT
easat-10679	252	22	vol	vol	NOUN
easat-10679	252	23	.	.	PROPN
easat-10679	252	24	18	18	NUM
easat-10679	252	25	,	,	PUNCT
easat-10679	252	26	no	no	INTJ
easat-10679	252	27	.	.	NOUN
easat-10679	252	28	7	7	NUM
easat-10679	252	29	,	,	PUNCT
easat-10679	252	30	pp	pp	ADJ
easat-10679	252	31	.	.	PUNCT
easat-10679	253	1	1	1	NUM
easat-10679	253	2	-	-	SYM
easat-10679	253	3	12	12	NUM
easat-10679	253	4	,	,	PUNCT
easat-10679	253	5	2024	2024	NUM
easat-10679	253	6	.	.	PUNCT
easat-10679	254	1	[	[	X
easat-10679	254	2	24	24	NUM
easat-10679	254	3	]	]	PUNCT
easat-10679	254	4	m.	m.	NOUN
easat-10679	254	5	setiawan	setiawan	PROPN
easat-10679	254	6	and	and	CCONJ
easat-10679	254	7	c.	c.	PROPN
easat-10679	254	8	y.	y.	PROPN
easat-10679	254	9	setyawati	setyawati	PROPN
easat-10679	254	10	,	,	PUNCT
easat-10679	254	11	"	"	PUNCT
easat-10679	254	12	the	the	DET
easat-10679	254	13	influence	influence	NOUN
easat-10679	254	14	of	of	ADP
easat-10679	254	15	perceived	perceive	VERB
easat-10679	254	16	ease	ease	NOUN
easat-10679	254	17	of	of	ADP
easat-10679	254	18	use	use	NOUN
easat-10679	254	19	on	on	ADP
easat-10679	254	20	the	the	DET
easat-10679	254	21	intention	intention	NOUN
easat-10679	254	22	to	to	PART
easat-10679	254	23	use	use	VERB
easat-10679	254	24	mobile	mobile	ADJ
easat-10679	254	25	payment	payment	NOUN
easat-10679	254	26	:	:	PUNCT
easat-10679	254	27	attitude	attitude	NOUN
easat-10679	254	28	toward	toward	ADP
easat-10679	254	29	using	use	VERB
easat-10679	254	30	as	as	ADP
easat-10679	254	31	mediator	mediator	NOUN
easat-10679	254	32	,	,	PUNCT
easat-10679	254	33	"	"	PUNCT
easat-10679	254	34	jasf	jasf	NOUN
easat-10679	254	35	:	:	PUNCT
easat-10679	254	36	journal	journal	NOUN
easat-10679	254	37	of	of	ADP
easat-10679	254	38	accounting	accounting	NOUN
easat-10679	254	39	and	and	CCONJ
easat-10679	254	40	strategic	strategic	ADJ
easat-10679	254	41	finance	finance	NOUN
easat-10679	254	42	,	,	PUNCT
easat-10679	254	43	vol	vol	NOUN
easat-10679	254	44	.	.	PROPN
easat-10679	255	1	3	3	NUM
easat-10679	255	2	,	,	PUNCT
easat-10679	255	3	no	no	INTJ
easat-10679	255	4	.	.	NOUN
easat-10679	255	5	1	1	NUM
easat-10679	255	6	,	,	PUNCT
easat-10679	255	7	pp	pp	ADJ
easat-10679	255	8	.	.	PUNCT
easat-10679	256	1	18	18	NUM
easat-10679	256	2	-	-	SYM
easat-10679	256	3	32	32	NUM
easat-10679	256	4	,	,	PUNCT
easat-10679	256	5	2020	2020	NUM
easat-10679	256	6	.	.	PUNCT
easat-10679	256	7	https://doi.org/10.33005/jasf.v3i1.67	https://doi.org/10.33005/jasf.v3i1.67	NOUN
easat-10679	257	1	[	[	X
easat-10679	257	2	25	25	NUM
easat-10679	257	3	]	]	PUNCT
easat-10679	257	4	a.	a.	PROPN
easat-10679	257	5	hasan	hasan	PROPN
easat-10679	257	6	and	and	CCONJ
easat-10679	257	7	s.	s.	PROPN
easat-10679	257	8	gupta	gupta	PROPN
easat-10679	257	9	,	,	PUNCT
easat-10679	257	10	"	"	PUNCT
easat-10679	257	11	exploring	explore	VERB
easat-10679	257	12	tourists	tourist	NOUN
easat-10679	257	13	’	'	PUNCT
easat-10679	257	14	behavioural	behavioural	ADJ
easat-10679	257	15	intentions	intention	NOUN
easat-10679	257	16	towards	towards	ADP
easat-10679	257	17	use	use	NOUN
easat-10679	257	18	of	of	ADP
easat-10679	257	19	select	select	ADJ
easat-10679	257	20	mobile	mobile	ADJ
easat-10679	257	21	wallets	wallet	NOUN
easat-10679	257	22	for	for	ADP
easat-10679	257	23	digital	digital	ADJ
easat-10679	257	24	payments	payment	NOUN
easat-10679	257	25	,	,	PUNCT
easat-10679	257	26	"	"	PUNCT
easat-10679	257	27	paradigm	paradigm	NOUN
easat-10679	257	28	,	,	PUNCT
easat-10679	257	29	vol	vol	NOUN
easat-10679	257	30	.	.	PROPN
easat-10679	257	31	24	24	NUM
easat-10679	257	32	,	,	PUNCT
easat-10679	257	33	no	no	INTJ
easat-10679	257	34	.	.	NOUN
easat-10679	257	35	2	2	NUM
easat-10679	257	36	,	,	PUNCT
easat-10679	257	37	pp	pp	ADJ
easat-10679	257	38	.	.	PUNCT
easat-10679	258	1	177	177	NUM
easat-10679	258	2	-	-	SYM
easat-10679	258	3	194	194	NUM
easat-10679	258	4	,	,	PUNCT
easat-10679	258	5	2020	2020	NUM
easat-10679	258	6	.	.	PUNCT
easat-10679	259	1	https://doi.org/10.1177/0971890720959519	https://doi.org/10.1177/0971890720959519	X
easat-10679	260	1	[	[	X
easat-10679	260	2	26	26	NUM
easat-10679	260	3	]	]	PUNCT
easat-10679	260	4	a.	a.	NOUN
easat-10679	260	5	daragmeh	daragmeh	NOUN
easat-10679	260	6	,	,	PUNCT
easat-10679	260	7	c.	c.	PROPN
easat-10679	260	8	lentner	lentner	NOUN
easat-10679	260	9	,	,	PUNCT
easat-10679	260	10	and	and	CCONJ
easat-10679	260	11	j.	j.	PROPN
easat-10679	260	12	sági	sági	PROPN
easat-10679	260	13	,	,	PUNCT
easat-10679	260	14	"	"	PUNCT
easat-10679	260	15	fintech	fintech	NOUN
easat-10679	260	16	payments	payment	NOUN
easat-10679	260	17	in	in	ADP
easat-10679	260	18	the	the	DET
easat-10679	260	19	era	era	NOUN
easat-10679	260	20	of	of	ADP
easat-10679	260	21	covid-19	covid-19	PROPN
easat-10679	260	22	:	:	PUNCT
easat-10679	260	23	factors	factor	NOUN
easat-10679	260	24	influencing	influence	VERB
easat-10679	260	25	behavioral	behavioral	ADJ
easat-10679	260	26	intentions	intention	NOUN
easat-10679	260	27	of	of	ADP
easat-10679	260	28	“	"	PUNCT
easat-10679	260	29	generation	generation	NOUN
easat-10679	260	30	x	x	NOUN
easat-10679	260	31	”	"	PUNCT
easat-10679	260	32	in	in	ADP
easat-10679	260	33	hungary	hungary	PROPN
easat-10679	260	34	to	to	PART
easat-10679	260	35	use	use	VERB
easat-10679	260	36	mobile	mobile	ADJ
easat-10679	260	37	payment	payment	NOUN
easat-10679	260	38	,	,	PUNCT
easat-10679	260	39	"	"	PUNCT
easat-10679	260	40	journal	journal	NOUN
easat-10679	260	41	of	of	ADP
easat-10679	260	42	behavioral	behavioral	ADJ
easat-10679	260	43	and	and	CCONJ
easat-10679	260	44	experimental	experimental	ADJ
easat-10679	260	45	finance	finance	NOUN
easat-10679	260	46	,	,	PUNCT
easat-10679	260	47	vol	vol	NOUN
easat-10679	260	48	.	.	PROPN
easat-10679	260	49	32	32	NUM
easat-10679	260	50	,	,	PUNCT
easat-10679	260	51	p.	p.	NOUN
easat-10679	260	52	100574	100574	NUM
easat-10679	260	53	,	,	PUNCT
easat-10679	260	54	2021	2021	NUM
easat-10679	260	55	.	.	PUNCT
easat-10679	261	1	https://doi.org/10.1016/j.jbef.2021.100574	https://doi.org/10.1016/j.jbef.2021.100574	NOUN
easat-10679	261	2	[	[	X
easat-10679	261	3	27	27	NUM
easat-10679	261	4	]	]	X
easat-10679	261	5	f.	f.	PROPN
easat-10679	261	6	liébana	liébana	PROPN
easat-10679	261	7	-	-	PUNCT
easat-10679	261	8	cabanillas	cabanilla	NOUN
easat-10679	261	9	,	,	PUNCT
easat-10679	261	10	i.	i.	NOUN
easat-10679	261	11	garcía	garcía	NOUN
easat-10679	261	12	-	-	PUNCT
easat-10679	261	13	maroto	maroto	NOUN
easat-10679	261	14	,	,	PUNCT
easat-10679	261	15	f.	f.	PROPN
easat-10679	261	16	muñoz	muñoz	PROPN
easat-10679	261	17	-	-	PUNCT
easat-10679	261	18	leiva	leiva	PROPN
easat-10679	261	19	,	,	PUNCT
easat-10679	261	20	and	and	CCONJ
easat-10679	261	21	i.	i.	PROPN
easat-10679	261	22	ramos	ramos	PROPN
easat-10679	261	23	-	-	PROPN
easat-10679	261	24	de	de	PROPN
easat-10679	261	25	-	-	NOUN
easat-10679	261	26	luna	luna	PROPN
easat-10679	261	27	,	,	PUNCT
easat-10679	261	28	"	"	PUNCT
easat-10679	261	29	mobile	mobile	ADJ
easat-10679	261	30	payment	payment	NOUN
easat-10679	261	31	adoption	adoption	NOUN
easat-10679	261	32	in	in	ADP
easat-10679	261	33	the	the	DET
easat-10679	261	34	age	age	NOUN
easat-10679	261	35	of	of	ADP
easat-10679	261	36	digital	digital	ADJ
easat-10679	261	37	transformation	transformation	NOUN
easat-10679	261	38	:	:	PUNCT
easat-10679	261	39	the	the	DET
easat-10679	261	40	case	case	NOUN
easat-10679	261	41	of	of	ADP
easat-10679	261	42	apple	apple	NOUN
easat-10679	261	43	pay	pay	NOUN
easat-10679	261	44	,	,	PUNCT
easat-10679	261	45	"	"	PUNCT
easat-10679	261	46	sustainability	sustainability	NOUN
easat-10679	261	47	,	,	PUNCT
easat-10679	261	48	vol	vol	NOUN
easat-10679	261	49	.	.	PROPN
easat-10679	261	50	12	12	NUM
easat-10679	261	51	,	,	PUNCT
easat-10679	261	52	no	no	INTJ
easat-10679	261	53	.	.	NOUN
easat-10679	261	54	13	13	NUM
easat-10679	261	55	,	,	PUNCT
easat-10679	261	56	p.	p.	NOUN
easat-10679	261	57	5443	5443	NUM
easat-10679	261	58	,	,	PUNCT
easat-10679	261	59	2020	2020	NUM
easat-10679	261	60	.	.	PUNCT
easat-10679	262	1	https://doi.org/10.3390/su12135443	https://doi.org/10.3390/su12135443	PRON
easat-10679	263	1	[	[	X
easat-10679	263	2	28	28	NUM
easat-10679	263	3	]	]	X
easat-10679	263	4	v.	v.	X
easat-10679	263	5	venkatesh	venkatesh	NOUN
easat-10679	263	6	,	,	PUNCT
easat-10679	263	7	"	"	PUNCT
easat-10679	263	8	adoption	adoption	NOUN
easat-10679	263	9	and	and	CCONJ
easat-10679	263	10	use	use	NOUN
easat-10679	263	11	of	of	ADP
easat-10679	263	12	ai	ai	ADJ
easat-10679	263	13	tools	tool	NOUN
easat-10679	263	14	:	:	PUNCT
easat-10679	263	15	a	a	DET
easat-10679	263	16	research	research	NOUN
easat-10679	263	17	agenda	agenda	NOUN
easat-10679	263	18	grounded	ground	VERB
easat-10679	263	19	in	in	ADP
easat-10679	263	20	utaut	utaut	NOUN
easat-10679	263	21	,	,	PUNCT
easat-10679	263	22	"	"	PUNCT
easat-10679	263	23	annals	annal	NOUN
easat-10679	263	24	of	of	ADP
easat-10679	263	25	operations	operation	NOUN
easat-10679	263	26	research	research	NOUN
easat-10679	263	27	,	,	PUNCT
easat-10679	263	28	vol	vol	NOUN
easat-10679	263	29	.	.	PROPN
easat-10679	263	30	308	308	NUM
easat-10679	263	31	,	,	PUNCT
easat-10679	263	32	no	no	INTJ
easat-10679	263	33	.	.	NOUN
easat-10679	263	34	1	1	NUM
easat-10679	263	35	,	,	PUNCT
easat-10679	263	36	pp	pp	ADJ
easat-10679	263	37	.	.	PUNCT
easat-10679	263	38	641	641	NUM
easat-10679	263	39	-	-	SYM
easat-10679	263	40	652	652	NUM
easat-10679	263	41	,	,	PUNCT
easat-10679	263	42	2022	2022	NUM
easat-10679	263	43	.	.	PUNCT
easat-10679	264	1	https://doi.org/10.1007/s10479-020-03918-9	https://doi.org/10.1007/s10479-020-03918-9	PROPN
easat-10679	265	1	[	[	X
easat-10679	265	2	29	29	NUM
easat-10679	265	3	]	]	PUNCT
easat-10679	265	4	l.	l.	PROPN
easat-10679	265	5	kou	kou	PROPN
easat-10679	265	6	and	and	CCONJ
easat-10679	265	7	x.	x.	NOUN
easat-10679	265	8	sun	sun	PROPN
easat-10679	265	9	,	,	PUNCT
easat-10679	265	10	"	"	PUNCT
easat-10679	265	11	the	the	DET
easat-10679	265	12	influence	influence	NOUN
easat-10679	265	13	of	of	ADP
easat-10679	265	14	perceived	perceive	VERB
easat-10679	265	15	trust	trust	NOUN
easat-10679	265	16	,	,	PUNCT
easat-10679	265	17	perceived	perceive	VERB
easat-10679	265	18	value	value	NOUN
easat-10679	265	19	,	,	PUNCT
easat-10679	265	20	perceived	perceive	VERB
easat-10679	265	21	usefulness	usefulness	NOUN
easat-10679	265	22	,	,	PUNCT
easat-10679	265	23	and	and	CCONJ
easat-10679	265	24	perceived	perceive	VERB
easat-10679	265	25	risk	risk	NOUN
easat-10679	265	26	on	on	ADP
easat-10679	265	27	college	college	NOUN
easat-10679	265	28	students	student	NOUN
easat-10679	265	29	’	'	PUNCT
easat-10679	265	30	initial	initial	ADJ
easat-10679	265	31	willingness	willingness	NOUN
easat-10679	265	32	to	to	PART
easat-10679	265	33	pay	pay	VERB
easat-10679	265	34	for	for	ADP
easat-10679	265	35	online	online	ADJ
easat-10679	265	36	knowledge	knowledge	NOUN
easat-10679	265	37	,	,	PUNCT
easat-10679	265	38	"	"	PUNCT
easat-10679	265	39	creative	creative	ADJ
easat-10679	265	40	business	business	NOUN
easat-10679	265	41	and	and	CCONJ
easat-10679	265	42	sustainability	sustainability	NOUN
easat-10679	265	43	journal	journal	NOUN
easat-10679	265	44	,	,	PUNCT
easat-10679	265	45	vol	vol	NOUN
easat-10679	265	46	.	.	PROPN
easat-10679	265	47	46	46	NUM
easat-10679	265	48	,	,	PUNCT
easat-10679	265	49	no	no	INTJ
easat-10679	265	50	.	.	NOUN
easat-10679	265	51	1	1	NUM
easat-10679	265	52	,	,	PUNCT
easat-10679	265	53	pp	pp	ADJ
easat-10679	265	54	.	.	PUNCT
easat-10679	266	1	1	1	NUM
easat-10679	266	2	-	-	SYM
easat-10679	266	3	24	24	NUM
easat-10679	266	4	,	,	PUNCT
easat-10679	266	5	2024	2024	NUM
easat-10679	266	6	.	.	PUNCT
easat-10679	267	1	https://doi.org/10.58837/chula.cbsj.46.1.1	https://doi.org/10.58837/chula.cbsj.46.1.1	X
easat-10679	267	2	[	[	X
easat-10679	267	3	30	30	NUM
easat-10679	267	4	]	]	X
easat-10679	267	5	r.	r.	PROPN
easat-10679	267	6	kumar	kumar	PROPN
easat-10679	267	7	,	,	PUNCT
easat-10679	267	8	r.	r.	PROPN
easat-10679	267	9	singh	singh	PROPN
easat-10679	267	10	,	,	PUNCT
easat-10679	267	11	k.	k.	PROPN
easat-10679	267	12	kumar	kumar	PROPN
easat-10679	267	13	,	,	PUNCT
easat-10679	267	14	s.	s.	PROPN
easat-10679	267	15	khan	khan	PROPN
easat-10679	267	16	,	,	PUNCT
easat-10679	267	17	and	and	CCONJ
easat-10679	267	18	v.	v.	ADP
easat-10679	267	19	corvello	corvello	PROPN
easat-10679	267	20	,	,	PUNCT
easat-10679	267	21	"	"	PUNCT
easat-10679	267	22	how	how	SCONJ
easat-10679	267	23	does	do	AUX
easat-10679	267	24	perceived	perceive	VERB
easat-10679	267	25	risk	risk	NOUN
easat-10679	267	26	and	and	CCONJ
easat-10679	267	27	trust	trust	NOUN
easat-10679	267	28	affect	affect	VERB
easat-10679	267	29	mobile	mobile	ADJ
easat-10679	267	30	banking	banking	NOUN
easat-10679	267	31	adoption	adoption	NOUN
easat-10679	267	32	?	?	PUNCT
easat-10679	268	1	empirical	empirical	ADJ
easat-10679	268	2	evidence	evidence	NOUN
easat-10679	268	3	from	from	ADP
easat-10679	268	4	india	india	PROPN
easat-10679	268	5	,	,	PUNCT
easat-10679	268	6	"	"	PUNCT
easat-10679	268	7	sustainability	sustainability	NOUN
easat-10679	268	8	,	,	PUNCT
easat-10679	268	9	vol	vol	NOUN
easat-10679	268	10	.	.	PROPN
easat-10679	268	11	15	15	NUM
easat-10679	268	12	,	,	PUNCT
easat-10679	268	13	no	no	INTJ
easat-10679	268	14	.	.	NOUN
easat-10679	268	15	5	5	NUM
easat-10679	268	16	,	,	PUNCT
easat-10679	268	17	p.	p.	NOUN
easat-10679	268	18	4053	4053	NUM
easat-10679	268	19	,	,	PUNCT
easat-10679	268	20	2023	2023	NUM
easat-10679	268	21	.	.	PUNCT
easat-10679	269	1	https://doi.org/10.3390/su15054053	https://doi.org/10.3390/su15054053	VERB
easat-10679	270	1	[	[	X
easat-10679	270	2	31	31	NUM
easat-10679	270	3	]	]	PUNCT
easat-10679	270	4	j.	j.	PROPN
easat-10679	270	5	mueller	mueller	PROPN
easat-10679	270	6	,	,	PUNCT
easat-10679	270	7	l.	l.	PROPN
easat-10679	270	8	duplay	duplay	PROPN
easat-10679	270	9	,	,	PUNCT
easat-10679	270	10	l.	l.	PROPN
easat-10679	270	11	eyraud	eyraud	PROPN
easat-10679	270	12	,	,	PUNCT
easat-10679	270	13	j.	j.	PROPN
easat-10679	270	14	harris	harris	PROPN
easat-10679	270	15	,	,	PUNCT
easat-10679	270	16	m.	m.	NOUN
easat-10679	270	17	petrie	petrie	NOUN
easat-10679	270	18	,	,	PUNCT
easat-10679	270	19	and	and	CCONJ
easat-10679	270	20	s.	s.	PROPN
easat-10679	270	21	de	de	PROPN
easat-10679	270	22	clerck	clerck	PROPN
easat-10679	270	23	,	,	PUNCT
easat-10679	270	24	"	"	PUNCT
easat-10679	270	25	philippines	philippine	NOUN
easat-10679	270	26	:	:	PUNCT
easat-10679	270	27	fiscal	fiscal	ADJ
easat-10679	270	28	transparency	transparency	NOUN
easat-10679	270	29	evaluation	evaluation	NOUN
easat-10679	270	30	,	,	PUNCT
easat-10679	270	31	"	"	PUNCT
easat-10679	270	32	imf	imf	PROPN
easat-10679	270	33	country	country	PROPN
easat-10679	270	34	report	report	VERB
easat-10679	270	35	no	no	INTJ
easat-10679	270	36	.	.	PUNCT
easat-10679	271	1	15/156	15/156	NUM
easat-10679	271	2	.	.	PUNCT
easat-10679	272	1	international	international	ADJ
easat-10679	272	2	monetary	monetary	ADJ
easat-10679	272	3	fund	fund	NOUN
easat-10679	272	4	,	,	PUNCT
easat-10679	272	5	2015	2015	NUM
easat-10679	272	6	.	.	PUNCT
easat-10679	273	1	[	[	X
easat-10679	273	2	32	32	NUM
easat-10679	273	3	]	]	PUNCT
easat-10679	273	4	m.	m.	NOUN
easat-10679	273	5	a.	a.	PROPN
easat-10679	273	6	de	de	PROPN
easat-10679	273	7	alencar	alencar	PROPN
easat-10679	273	8	lucas	lucas	PROPN
easat-10679	273	9	da	da	PROPN
easat-10679	273	10	silva	silva	PROPN
easat-10679	273	11	et	et	PROPN
easat-10679	273	12	al	al	PROPN
easat-10679	273	13	.	.	PROPN
easat-10679	273	14	,	,	PUNCT
easat-10679	273	15	"	"	PUNCT
easat-10679	273	16	the	the	DET
easat-10679	273	17	impact	impact	NOUN
easat-10679	273	18	of	of	ADP
easat-10679	273	19	persuasion	persuasion	NOUN
easat-10679	273	20	,	,	PUNCT
easat-10679	273	21	usefulness	usefulness	NOUN
easat-10679	273	22	,	,	PUNCT
easat-10679	273	23	and	and	CCONJ
easat-10679	273	24	credibility	credibility	NOUN
easat-10679	273	25	on	on	ADP
easat-10679	273	26	user	user	NOUN
easat-10679	273	27	intent	intent	NOUN
easat-10679	273	28	in	in	ADP
easat-10679	273	29	ecommerce	ecommerce	NOUN
easat-10679	273	30	applications	application	NOUN
easat-10679	273	31	,	,	PUNCT
easat-10679	273	32	"	"	PUNCT
easat-10679	273	33	procedia	procedia	NOUN
easat-10679	273	34	computer	computer	NOUN
easat-10679	273	35	science	science	NOUN
easat-10679	273	36	,	,	PUNCT
easat-10679	273	37	vol	vol	NOUN
easat-10679	273	38	.	.	PROPN
easat-10679	273	39	242	242	NUM
easat-10679	273	40	,	,	PUNCT
easat-10679	273	41	pp	pp	ADJ
easat-10679	273	42	.	.	PUNCT
easat-10679	274	1	123	123	NUM
easat-10679	274	2	-	-	SYM
easat-10679	274	3	129	129	NUM
easat-10679	274	4	,	,	PUNCT
easat-10679	274	5	2024	2024	NUM
easat-10679	274	6	.	.	PUNCT
easat-10679	275	1	https://doi.org/10.1016/j.procs.2024.08.245	https://doi.org/10.1016/j.procs.2024.08.245	NOUN
easat-10679	276	1	[	[	X
easat-10679	276	2	33	33	NUM
easat-10679	276	3	]	]	PUNCT
easat-10679	276	4	f.	f.	PROPN
easat-10679	276	5	d.	d.	PROPN
easat-10679	276	6	davis	davis	PROPN
easat-10679	276	7	,	,	PUNCT
easat-10679	276	8	"	"	PUNCT
easat-10679	276	9	perceived	perceive	VERB
easat-10679	276	10	usefulness	usefulness	NOUN
easat-10679	276	11	,	,	PUNCT
easat-10679	276	12	perceived	perceive	VERB
easat-10679	276	13	ease	ease	NOUN
easat-10679	276	14	of	of	ADP
easat-10679	276	15	use	use	NOUN
easat-10679	276	16	,	,	PUNCT
easat-10679	276	17	and	and	CCONJ
easat-10679	276	18	user	user	NOUN
easat-10679	276	19	acceptance	acceptance	NOUN
easat-10679	276	20	of	of	ADP
easat-10679	276	21	information	information	NOUN
easat-10679	276	22	technology	technology	NOUN
easat-10679	276	23	,	,	PUNCT
easat-10679	276	24	"	"	PUNCT
easat-10679	276	25	mis	mis	PROPN
easat-10679	276	26	quarterly	quarterly	ADJ
easat-10679	276	27	,	,	PUNCT
easat-10679	276	28	vol	vol	NOUN
easat-10679	276	29	.	.	PROPN
easat-10679	276	30	13	13	NUM
easat-10679	276	31	,	,	PUNCT
easat-10679	276	32	no	no	INTJ
easat-10679	276	33	.	.	NOUN
easat-10679	276	34	3	3	NUM
easat-10679	276	35	,	,	PUNCT
easat-10679	276	36	pp	pp	ADJ
easat-10679	276	37	.	.	PUNCT
easat-10679	277	1	319–340	319–340	NUM
easat-10679	277	2	,	,	PUNCT
easat-10679	277	3	1989	1989	NUM
easat-10679	277	4	.	.	PUNCT
easat-10679	278	1	[	[	X
easat-10679	278	2	34	34	NUM
easat-10679	278	3	]	]	X
easat-10679	278	4	n.	n.	PROPN
easat-10679	278	5	mariana	mariana	PROPN
easat-10679	278	6	,	,	PUNCT
easat-10679	278	7	i.	i.	PROPN
easat-10679	278	8	nugroho	nugroho	PROPN
easat-10679	278	9	,	,	PUNCT
easat-10679	278	10	s.	s.	PROPN
easat-10679	278	11	saefurrohman	saefurrohman	PROPN
easat-10679	278	12	,	,	PUNCT
easat-10679	278	13	and	and	CCONJ
easat-10679	278	14	a.	a.	PROPN
easat-10679	278	15	p.	p.	PROPN
easat-10679	278	16	utomo	utomo	PROPN
easat-10679	278	17	,	,	PUNCT
easat-10679	278	18	"	"	PUNCT
easat-10679	278	19	the	the	DET
easat-10679	278	20	impact	impact	NOUN
easat-10679	278	21	of	of	ADP
easat-10679	278	22	system	system	NOUN
easat-10679	278	23	and	and	CCONJ
easat-10679	278	24	information	information	NOUN
easat-10679	278	25	quality	quality	NOUN
easat-10679	278	26	on	on	ADP
easat-10679	278	27	user	user	NOUN
easat-10679	278	28	satisfaction	satisfaction	NOUN
easat-10679	278	29	and	and	CCONJ
easat-10679	278	30	continuance	continuance	NOUN
easat-10679	278	31	intention	intention	NOUN
easat-10679	278	32	:	:	PUNCT
easat-10679	278	33	an	an	DET
easat-10679	278	34	analysis	analysis	NOUN
easat-10679	278	35	of	of	ADP
easat-10679	278	36	online	online	ADJ
easat-10679	278	37	motorcycle	motorcycle	NOUN
easat-10679	278	38	taxi	taxi	NOUN
easat-10679	278	39	(	(	PUNCT
easat-10679	278	40	ojek	ojek	NOUN
easat-10679	278	41	-	-	PUNCT
easat-10679	278	42	online	online	NOUN
easat-10679	278	43	)	)	PUNCT
easat-10679	278	44	applications	application	NOUN
easat-10679	278	45	,	,	PUNCT
easat-10679	278	46	"	"	PUNCT
easat-10679	278	47	sci	sci	PROPN
easat-10679	278	48	.	.	PUNCT
easat-10679	278	49	j.	j.	PROPN
easat-10679	278	50	informatics	informatics	PROPN
easat-10679	278	51	,	,	PUNCT
easat-10679	278	52	vol	vol	NOUN
easat-10679	278	53	.	.	PROPN
easat-10679	278	54	10	10	NUM
easat-10679	278	55	,	,	PUNCT
easat-10679	278	56	no	no	INTJ
easat-10679	278	57	.	.	NOUN
easat-10679	278	58	2	2	NUM
easat-10679	278	59	,	,	PUNCT
easat-10679	278	60	pp	pp	ADJ
easat-10679	278	61	.	.	PUNCT
easat-10679	279	1	127	127	NUM
easat-10679	279	2	-	-	SYM
easat-10679	279	3	138	138	NUM
easat-10679	279	4	,	,	PUNCT
easat-10679	279	5	2023	2023	NUM
easat-10679	279	6	.	.	PUNCT
easat-10679	280	1	https://doi.org/10.15294/sji.v10i2.43830	https://doi.org/10.15294/sji.v10i2.43830	PROPN
easat-10679	281	1	[	[	X
easat-10679	281	2	35	35	NUM
easat-10679	281	3	]	]	X
easat-10679	281	4	b.	b.	PROPN
easat-10679	281	5	m.	m.	PROPN
easat-10679	281	6	martinez	martinez	PROPN
easat-10679	281	7	and	and	CCONJ
easat-10679	281	8	l.	l.	PROPN
easat-10679	281	9	e.	e.	PROPN
easat-10679	281	10	mcandrews	mcandrews	PROPN
easat-10679	281	11	,	,	PUNCT
easat-10679	281	12	"	"	PUNCT
easat-10679	281	13	do	do	AUX
easat-10679	281	14	you	you	PRON
easat-10679	281	15	take	take	VERB
easat-10679	281	16	...	...	PUNCT
easat-10679	281	17	?	?	PUNCT
easat-10679	282	1	the	the	DET
easat-10679	282	2	effect	effect	NOUN
easat-10679	282	3	of	of	ADP
easat-10679	282	4	mobile	mobile	ADJ
easat-10679	282	5	payment	payment	NOUN
easat-10679	282	6	solutions	solution	NOUN
easat-10679	282	7	on	on	ADP
easat-10679	282	8	use	use	NOUN
easat-10679	282	9	intention	intention	NOUN
easat-10679	282	10	:	:	PUNCT
easat-10679	282	11	an	an	DET
easat-10679	282	12	application	application	NOUN
easat-10679	282	13	of	of	ADP
easat-10679	282	14	utaut2	utaut2	NOUN
easat-10679	282	15	,	,	PUNCT
easat-10679	282	16	"	"	PUNCT
easat-10679	282	17	journal	journal	NOUN
easat-10679	282	18	of	of	ADP
easat-10679	282	19	marketing	marketing	NOUN
easat-10679	282	20	analytics	analytic	NOUN
easat-10679	282	21	,	,	PUNCT
easat-10679	282	22	vol	vol	NOUN
easat-10679	282	23	.	.	PROPN
easat-10679	282	24	11	11	NUM
easat-10679	282	25	,	,	PUNCT
easat-10679	282	26	no	no	INTJ
easat-10679	282	27	.	.	NOUN
easat-10679	282	28	3	3	NUM
easat-10679	282	29	,	,	PUNCT
easat-10679	282	30	pp	pp	ADJ
easat-10679	282	31	.	.	PUNCT
easat-10679	283	1	458	458	NUM
easat-10679	283	2	-	-	SYM
easat-10679	283	3	469	469	NUM
easat-10679	283	4	,	,	PUNCT
easat-10679	283	5	2023	2023	NUM
easat-10679	283	6	.	.	PUNCT
easat-10679	283	7	https://doi.org/10.1057/s41270-022-00175-6	https://doi.org/10.1057/s41270-022-00175-6	PROPN
easat-10679	284	1	[	[	X
easat-10679	284	2	36	36	NUM
easat-10679	284	3	]	]	PUNCT
easat-10679	284	4	m.	m.	NOUN
easat-10679	284	5	al	al	PROPN
easat-10679	284	6	amin	amin	PROPN
easat-10679	284	7	,	,	PUNCT
easat-10679	284	8	a.	a.	PROPN
easat-10679	284	9	m.	m.	PROPN
easat-10679	284	10	muzareba	muzareba	PROPN
easat-10679	284	11	,	,	PUNCT
easat-10679	284	12	i.	i.	PROPN
easat-10679	284	13	u.	u.	PROPN
easat-10679	284	14	chowdhury	chowdhury	PROPN
easat-10679	284	15	,	,	PUNCT
easat-10679	284	16	and	and	CCONJ
easat-10679	284	17	m.	m.	NOUN
easat-10679	284	18	khondkar	khondkar	PROPN
easat-10679	284	19	,	,	PUNCT
easat-10679	284	20	"	"	PUNCT
easat-10679	284	21	understanding	understand	VERB
easat-10679	284	22	e	e	NOUN
easat-10679	284	23	-	-	NOUN
easat-10679	284	24	satisfaction	satisfaction	NOUN
easat-10679	284	25	,	,	PUNCT
easat-10679	284	26	continuance	continuance	NOUN
easat-10679	284	27	intention	intention	NOUN
easat-10679	284	28	,	,	PUNCT
easat-10679	284	29	and	and	CCONJ
easat-10679	284	30	e	e	NOUN
easat-10679	284	31	-	-	NOUN
easat-10679	284	32	loyalty	loyalty	NOUN
easat-10679	284	33	toward	toward	ADP
easat-10679	284	34	mobile	mobile	ADJ
easat-10679	284	35	payment	payment	NOUN
easat-10679	284	36	application	application	NOUN
easat-10679	284	37	during	during	ADP
easat-10679	284	38	covid-19	covid-19	PROPN
easat-10679	284	39	:	:	PUNCT
easat-10679	284	40	an	an	DET
easat-10679	284	41	investigation	investigation	NOUN
easat-10679	284	42	using	use	VERB
easat-10679	284	43	the	the	DET
easat-10679	284	44	electronic	electronic	ADJ
easat-10679	284	45	technology	technology	NOUN
easat-10679	284	46	continuance	continuance	NOUN
easat-10679	284	47	model	model	NOUN
easat-10679	284	48	,	,	PUNCT
easat-10679	284	49	"	"	PUNCT
easat-10679	284	50	journal	journal	NOUN
easat-10679	284	51	of	of	ADP
easat-10679	284	52	financial	financial	ADJ
easat-10679	284	53	services	service	NOUN
easat-10679	284	54	marketing	marketing	NOUN
easat-10679	284	55	,	,	PUNCT
easat-10679	284	56	vol	vol	NOUN
easat-10679	284	57	.	.	PROPN
easat-10679	284	58	29	29	NUM
easat-10679	284	59	,	,	PUNCT
easat-10679	284	60	no	no	INTJ
easat-10679	284	61	.	.	NOUN
easat-10679	284	62	2	2	NUM
easat-10679	284	63	,	,	PUNCT
easat-10679	284	64	pp	pp	ADJ
easat-10679	284	65	.	.	PUNCT
easat-10679	285	1	318	318	NUM
easat-10679	285	2	-	-	SYM
easat-10679	285	3	340	340	NUM
easat-10679	285	4	,	,	PUNCT
easat-10679	285	5	2024	2024	NUM
easat-10679	285	6	.	.	PUNCT
easat-10679	286	1	https://doi.org/10.1057/s41264-022-00197-2	https://doi.org/10.1057/s41264-022-00197-2	NUM
easat-10679	287	1	[	[	X
easat-10679	287	2	37	37	NUM
easat-10679	287	3	]	]	X
easat-10679	287	4	o.	o.	PROPN
easat-10679	287	5	a.	a.	PROPN
easat-10679	287	6	suryawirawan	suryawirawan	PROPN
easat-10679	287	7	,	,	PUNCT
easat-10679	287	8	suhermin	suhermin	ADJ
easat-10679	287	9	,	,	PUNCT
easat-10679	287	10	and	and	CCONJ
easat-10679	287	11	w.	w.	PROPN
easat-10679	287	12	s.	s.	PROPN
easat-10679	287	13	shabrie	shabrie	PROPN
easat-10679	287	14	,	,	PUNCT
easat-10679	287	15	"	"	PUNCT
easat-10679	287	16	service	service	NOUN
easat-10679	287	17	quality	quality	NOUN
easat-10679	287	18	,	,	PUNCT
easat-10679	287	19	satisfaction	satisfaction	NOUN
easat-10679	287	20	,	,	PUNCT
easat-10679	287	21	continuous	continuous	ADJ
easat-10679	287	22	usage	usage	NOUN
easat-10679	287	23	intention	intention	NOUN
easat-10679	287	24	,	,	PUNCT
easat-10679	287	25	and	and	CCONJ
easat-10679	287	26	purchase	purchase	VERB
easat-10679	287	27	intention	intention	NOUN
easat-10679	287	28	toward	toward	ADP
easat-10679	287	29	freemium	freemium	NOUN
easat-10679	287	30	applications	application	NOUN
easat-10679	287	31	:	:	PUNCT
easat-10679	287	32	the	the	DET
easat-10679	287	33	moderating	moderate	VERB
easat-10679	287	34	effect	effect	NOUN
easat-10679	287	35	of	of	ADP
easat-10679	287	36	perceived	perceive	VERB
easat-10679	287	37	value	value	NOUN
easat-10679	287	38	,	,	PUNCT
easat-10679	287	39	"	"	PUNCT
easat-10679	287	40	jurnal	jurnal	ADJ
easat-10679	287	41	ekonomi	ekonomi	PROPN
easat-10679	287	42	bisnis	bisnis	PROPN
easat-10679	287	43	dan	dan	PROPN
easat-10679	287	44	kewirausahaan	kewirausahaan	PROPN
easat-10679	287	45	,	,	PUNCT
easat-10679	287	46	vol	vol	NOUN
easat-10679	287	47	.	.	PROPN
easat-10679	287	48	11	11	NUM
easat-10679	287	49	,	,	PUNCT
easat-10679	287	50	no	no	INTJ
easat-10679	287	51	.	.	NOUN
easat-10679	287	52	3	3	NUM
easat-10679	287	53	,	,	PUNCT
easat-10679	287	54	pp	pp	ADJ
easat-10679	287	55	.	.	PUNCT
easat-10679	288	1	383–404	383–404	NUM
easat-10679	288	2	,	,	PUNCT
easat-10679	288	3	2022	2022	NUM
easat-10679	288	4	.	.	PUNCT
easat-10679	289	1	https://doi.org/10.26418/jebik.v11i3.57483	https://doi.org/10.26418/jebik.v11i3.57483	PROPN
easat-10679	289	2	https://doi.org/10.1080/01900692.2019.1628059	https://doi.org/10.1080/01900692.2019.1628059	VERB
easat-10679	289	3	https://doi.org/10.1016/j.dss.2012.11.008	https://doi.org/10.1016/j.dss.2012.11.008	PROPN
easat-10679	289	4	https://doi.org/10.1016/j.im.2019.103197	https://doi.org/10.1016/j.im.2019.103197	PROPN
easat-10679	289	5	https://doi.org/10.33005/jasf.v3i1.67	https://doi.org/10.33005/jasf.v3i1.67	NOUN
easat-10679	289	6	https://doi.org/10.1177/0971890720959519	https://doi.org/10.1177/0971890720959519	PROPN
easat-10679	289	7	https://doi.org/10.1016/j.jbef.2021.100574	https://doi.org/10.1016/j.jbef.2021.100574	NOUN
easat-10679	289	8	https://doi.org/10.3390/su12135443	https://doi.org/10.3390/su12135443	PUNCT
easat-10679	289	9	https://doi.org/10.1007/s10479-020-03918-9	https://doi.org/10.1007/s10479-020-03918-9	NOUN
easat-10679	289	10	https://doi.org/10.58837/chula.cbsj.46.1.1	https://doi.org/10.58837/chula.cbsj.46.1.1	NOUN
easat-10679	289	11	https://doi.org/10.3390/su15054053	https://doi.org/10.3390/su15054053	PROPN
easat-10679	289	12	https://doi.org/10.1016/j.procs.2024.08.245	https://doi.org/10.1016/j.procs.2024.08.245	PROPN
easat-10679	289	13	https://doi.org/10.15294/sji.v10i2.43830	https://doi.org/10.15294/sji.v10i2.43830	PROPN
easat-10679	289	14	https://doi.org/10.1057/s41270-022-00175-6	https://doi.org/10.1057/s41270-022-00175-6	PROPN
easat-10679	289	15	https://doi.org/10.1057/s41264-022-00197-2	https://doi.org/10.1057/s41264-022-00197-2	NUM
easat-10679	289	16	https://doi.org/10.26418/jebik.v11i3.57483	https://doi.org/10.26418/jebik.v11i3.57483	NOUN
easat-10679	289	17	1458	1458	NUM
easat-10679	289	18	edelweiss	edelweiss	PROPN
easat-10679	289	19	applied	apply	VERB
easat-10679	289	20	science	science	NOUN
easat-10679	289	21	and	and	CCONJ
easat-10679	289	22	technology	technology	NOUN
easat-10679	289	23	issn	issn	PROPN
easat-10679	289	24	:	:	PUNCT
easat-10679	289	25	2576	2576	NUM
easat-10679	289	26	-	-	SYM
easat-10679	289	27	8484	8484	NUM
easat-10679	289	28	vol	vol	NOUN
easat-10679	289	29	.	.	PROPN
easat-10679	290	1	9	9	NUM
easat-10679	290	2	,	,	PUNCT
easat-10679	290	3	no	no	INTJ
easat-10679	290	4	.	.	NOUN
easat-10679	290	5	10	10	NUM
easat-10679	290	6	:	:	SYM
easat-10679	290	7	1449	1449	NUM
easat-10679	290	8	-	-	SYM
easat-10679	290	9	1458	1458	NUM
easat-10679	290	10	,	,	PUNCT
easat-10679	290	11	2025	2025	NUM
easat-10679	290	12	doi	doi	NOUN
easat-10679	290	13	:	:	PUNCT
easat-10679	290	14	10.55214/2576	10.55214/2576	NUM
easat-10679	290	15	-	-	SYM
easat-10679	290	16	8484.v9i10.10679	8484.v9i10.10679	NUM
easat-10679	291	1	©	©	PROPN
easat-10679	291	2	2025	2025	NUM
easat-10679	291	3	by	by	ADP
easat-10679	291	4	the	the	DET
easat-10679	291	5	authors	author	NOUN
easat-10679	291	6	;	;	PUNCT
easat-10679	291	7	licensee	licensee	PROPN
easat-10679	291	8	learning	learn	VERB
easat-10679	291	9	gate	gate	NOUN
easat-10679	291	10	appendix	appendix	NOUN
easat-10679	291	11	1	1	NUM
easat-10679	291	12	.	.	PUNCT
easat-10679	292	1	the	the	DET
easat-10679	292	2	structural	structural	ADJ
easat-10679	292	3	model	model	NOUN
easat-10679	292	4	evaluation	evaluation	NOUN
easat-10679	292	5	and	and	CCONJ
easat-10679	292	6	hypothesis	hypothesis	NOUN
easat-10679	292	7	testing	testing	NOUN
easat-10679	292	8	.	.	PUNCT