id	sid	tid	token	lemma	pos
easat-10813	1	1	edelweiss	edelweiss	PROPN
easat-10813	1	2	applied	apply	VERB
easat-10813	1	3	science	science	NOUN
easat-10813	1	4	and	and	CCONJ
easat-10813	1	5	technology	technology	NOUN
easat-10813	1	6	issn	issn	PROPN
easat-10813	1	7	:	:	PUNCT
easat-10813	1	8	2576	2576	NUM
easat-10813	1	9	-	-	SYM
easat-10813	1	10	8484	8484	NUM
easat-10813	1	11	vol	vol	NOUN
easat-10813	1	12	.	.	PROPN
easat-10813	2	1	9	9	NUM
easat-10813	2	2	,	,	PUNCT
easat-10813	2	3	no	no	INTJ
easat-10813	2	4	.	.	NOUN
easat-10813	2	5	11	11	NUM
easat-10813	2	6	,	,	PUNCT
easat-10813	2	7	160	160	NUM
easat-10813	2	8	-	-	SYM
easat-10813	2	9	172	172	NUM
easat-10813	2	10	2025	2025	NUM
easat-10813	2	11	publisher	publisher	NOUN
easat-10813	2	12	:	:	PUNCT
easat-10813	2	13	learning	learn	VERB
easat-10813	2	14	gate	gate	NOUN
easat-10813	2	15	doi	doi	PROPN
easat-10813	2	16	:	:	PUNCT
easat-10813	2	17	10.55214/2576	10.55214/2576	NUM
easat-10813	2	18	-	-	SYM
easat-10813	2	19	8484.v9i11.10813	8484.v9i11.10813	NUM
easat-10813	3	1	©	©	ADP
easat-10813	3	2	2025	2025	NUM
easat-10813	3	3	by	by	ADP
easat-10813	3	4	the	the	DET
easat-10813	3	5	authors	author	NOUN
easat-10813	3	6	;	;	PUNCT
easat-10813	3	7	licensee	licensee	PROPN
easat-10813	3	8	learning	learning	NOUN
easat-10813	3	9	gate	gate	NOUN
easat-10813	3	10	©	©	PROPN
easat-10813	3	11	2025	2025	NUM
easat-10813	3	12	by	by	ADP
easat-10813	3	13	the	the	DET
easat-10813	3	14	authors	author	NOUN
easat-10813	3	15	;	;	PUNCT
easat-10813	3	16	licensee	licensee	PROPN
easat-10813	3	17	learning	learning	NOUN
easat-10813	3	18	gate	gate	NOUN
easat-10813	3	19	history	history	NOUN
easat-10813	3	20	:	:	PUNCT
easat-10813	3	21	received	receive	VERB
easat-10813	3	22	:	:	PUNCT
easat-10813	3	23	8	8	NUM
easat-10813	3	24	august	august	PROPN
easat-10813	3	25	2025	2025	NUM
easat-10813	3	26	;	;	PUNCT
easat-10813	3	27	revised	revise	VERB
easat-10813	3	28	:	:	PUNCT
easat-10813	3	29	6	6	NUM
easat-10813	3	30	october	october	NOUN
easat-10813	3	31	2025	2025	NUM
easat-10813	3	32	;	;	PUNCT
easat-10813	3	33	accepted	accept	VERB
easat-10813	3	34	:	:	PUNCT
easat-10813	3	35	9	9	NUM
easat-10813	3	36	october	october	NOUN
easat-10813	3	37	2025	2025	NUM
easat-10813	3	38	;	;	PUNCT
easat-10813	3	39	published	publish	VERB
easat-10813	3	40	:	:	PUNCT
easat-10813	4	1	31	31	NUM
easat-10813	4	2	october	october	NOUN
easat-10813	4	3	2025	2025	NUM
easat-10813	4	4	*	*	PUNCT
easat-10813	4	5	correspondence	correspondence	NOUN
easat-10813	4	6	:	:	PUNCT
easat-10813	4	7	nadiajosel@yahoo.fr	nadiajosel@yahoo.fr	PROPN
easat-10813	4	8	factors	factor	NOUN
easat-10813	4	9	influencing	influence	VERB
easat-10813	4	10	online	online	ADJ
easat-10813	4	11	insurance	insurance	NOUN
easat-10813	4	12	purchasing	purchasing	NOUN
easat-10813	4	13	decision	decision	NOUN
easat-10813	4	14	-	-	PUNCT
easat-10813	4	15	making	making	NOUN
easat-10813	4	16	among	among	ADP
easat-10813	4	17	car	car	NOUN
easat-10813	4	18	owners	owner	NOUN
easat-10813	4	19	in	in	ADP
easat-10813	4	20	mafikeng	mafikeng	PROPN
easat-10813	4	21	joseline	joseline	PROPN
easat-10813	4	22	nadia	nadia	PROPN
easat-10813	4	23	ndeudjeu1	ndeudjeu1	PROPN
easat-10813	4	24	*	*	PROPN
easat-10813	4	25	,	,	PUNCT
easat-10813	4	26	m	m	VERB
easat-10813	4	27	potgieter2	potgieter2	VERB
easat-10813	4	28	1,2department	1,2department	NUM
easat-10813	4	29	of	of	ADP
easat-10813	4	30	economies	economy	NOUN
easat-10813	4	31	and	and	CCONJ
easat-10813	4	32	management	management	NOUN
easat-10813	4	33	science	science	NOUN
easat-10813	4	34	,	,	PUNCT
easat-10813	4	35	north	north	NOUN
easat-10813	4	36	-	-	PUNCT
easat-10813	4	37	west	west	NOUN
easat-10813	4	38	university	university	PROPN
easat-10813	4	39	,	,	PUNCT
easat-10813	4	40	south	south	PROPN
easat-10813	4	41	africa	africa	PROPN
easat-10813	4	42	;	;	PUNCT
easat-10813	4	43	nadiajosel@yahoo.fr	nadiajosel@yahoo.fr	PROPN
easat-10813	4	44	(	(	PUNCT
easat-10813	4	45	j.n.n	j.n.n	PROPN
easat-10813	4	46	.	.	PUNCT
easat-10813	4	47	)	)	PUNCT
easat-10813	4	48	.	.	PUNCT
easat-10813	5	1	abstract	abstract	ADV
easat-10813	5	2	:	:	PUNCT
easat-10813	5	3	this	this	DET
easat-10813	5	4	study	study	NOUN
easat-10813	5	5	explores	explore	VERB
easat-10813	5	6	the	the	DET
easat-10813	5	7	factors	factor	NOUN
easat-10813	5	8	influencing	influence	VERB
easat-10813	5	9	online	online	ADJ
easat-10813	5	10	car	car	NOUN
easat-10813	5	11	insurance	insurance	NOUN
easat-10813	5	12	purchasing	purchasing	NOUN
easat-10813	5	13	decisions	decision	NOUN
easat-10813	5	14	among	among	ADP
easat-10813	5	15	car	car	NOUN
easat-10813	5	16	owners	owner	NOUN
easat-10813	5	17	in	in	ADP
easat-10813	5	18	mafikeng	mafikeng	NOUN
easat-10813	5	19	,	,	PUNCT
easat-10813	5	20	in	in	ADP
easat-10813	5	21	the	the	DET
easat-10813	5	22	context	context	NOUN
easat-10813	5	23	of	of	ADP
easat-10813	5	24	rising	rise	VERB
easat-10813	5	25	digital	digital	ADJ
easat-10813	5	26	adoption	adoption	NOUN
easat-10813	5	27	in	in	ADP
easat-10813	5	28	the	the	DET
easat-10813	5	29	insurance	insurance	NOUN
easat-10813	5	30	sector	sector	NOUN
easat-10813	5	31	.	.	PUNCT
easat-10813	6	1	the	the	DET
easat-10813	6	2	extended	extend	VERB
easat-10813	6	3	technology	technology	NOUN
easat-10813	6	4	acceptance	acceptance	NOUN
easat-10813	6	5	model	model	NOUN
easat-10813	6	6	(	(	PUNCT
easat-10813	6	7	tam	tam	PROPN
easat-10813	6	8	)	)	PUNCT
easat-10813	6	9	and	and	CCONJ
easat-10813	6	10	the	the	DET
easat-10813	6	11	theory	theory	NOUN
easat-10813	6	12	of	of	ADP
easat-10813	6	13	planned	plan	VERB
easat-10813	6	14	behavior	behavior	NOUN
easat-10813	6	15	(	(	PUNCT
easat-10813	6	16	tpb	tpb	NOUN
easat-10813	6	17	)	)	PUNCT
easat-10813	6	18	were	be	AUX
easat-10813	6	19	applied	apply	VERB
easat-10813	6	20	to	to	PART
easat-10813	6	21	investigate	investigate	VERB
easat-10813	6	22	determinants	determinant	NOUN
easat-10813	6	23	such	such	ADJ
easat-10813	6	24	as	as	ADP
easat-10813	6	25	trust	trust	NOUN
easat-10813	6	26	,	,	PUNCT
easat-10813	6	27	service	service	NOUN
easat-10813	6	28	quality	quality	NOUN
easat-10813	6	29	,	,	PUNCT
easat-10813	6	30	consumer	consumer	NOUN
easat-10813	6	31	attitudes	attitude	NOUN
easat-10813	6	32	,	,	PUNCT
easat-10813	6	33	and	and	CCONJ
easat-10813	6	34	social	social	ADJ
easat-10813	6	35	media	medium	NOUN
easat-10813	6	36	influence	influence	NOUN
easat-10813	6	37	.	.	PUNCT
easat-10813	7	1	the	the	DET
easat-10813	7	2	research	research	NOUN
easat-10813	7	3	used	use	VERB
easat-10813	7	4	a	a	DET
easat-10813	7	5	quantitative	quantitative	ADJ
easat-10813	7	6	approach	approach	NOUN
easat-10813	7	7	with	with	ADP
easat-10813	7	8	a	a	DET
easat-10813	7	9	cross	cross	ADJ
easat-10813	7	10	-	-	ADJ
easat-10813	7	11	sectional	sectional	ADJ
easat-10813	7	12	design	design	NOUN
easat-10813	7	13	conducted	conduct	VERB
easat-10813	7	14	among	among	ADP
easat-10813	7	15	200	200	NUM
easat-10813	7	16	car	car	NOUN
easat-10813	7	17	owners	owner	NOUN
easat-10813	7	18	.	.	PUNCT
easat-10813	8	1	data	datum	NOUN
easat-10813	8	2	were	be	AUX
easat-10813	8	3	collected	collect	VERB
easat-10813	8	4	using	use	VERB
easat-10813	8	5	a	a	DET
easat-10813	8	6	structured	structured	ADJ
easat-10813	8	7	questionnaire	questionnaire	NOUN
easat-10813	8	8	and	and	CCONJ
easat-10813	8	9	analyzed	analyze	VERB
easat-10813	8	10	with	with	ADP
easat-10813	8	11	chi	chi	ADJ
easat-10813	8	12	-	-	PUNCT
easat-10813	8	13	square	square	ADJ
easat-10813	8	14	tests	test	NOUN
easat-10813	8	15	,	,	PUNCT
easat-10813	8	16	with	with	SCONJ
easat-10813	8	17	reliability	reliability	NOUN
easat-10813	8	18	and	and	CCONJ
easat-10813	8	19	validity	validity	NOUN
easat-10813	8	20	confirmed	confirm	VERB
easat-10813	8	21	.	.	PUNCT
easat-10813	9	1	the	the	DET
easat-10813	9	2	results	result	NOUN
easat-10813	9	3	show	show	VERB
easat-10813	9	4	that	that	SCONJ
easat-10813	9	5	trust	trust	NOUN
easat-10813	9	6	,	,	PUNCT
easat-10813	9	7	service	service	NOUN
easat-10813	9	8	quality	quality	NOUN
easat-10813	9	9	,	,	PUNCT
easat-10813	9	10	consumer	consumer	NOUN
easat-10813	9	11	attitudes	attitude	NOUN
easat-10813	9	12	,	,	PUNCT
easat-10813	9	13	and	and	CCONJ
easat-10813	9	14	social	social	ADJ
easat-10813	9	15	media	medium	NOUN
easat-10813	9	16	promotion	promotion	NOUN
easat-10813	9	17	significantly	significantly	ADV
easat-10813	9	18	influence	influence	VERB
easat-10813	9	19	online	online	ADJ
easat-10813	9	20	purchasing	purchasing	NOUN
easat-10813	9	21	decisions	decision	NOUN
easat-10813	9	22	,	,	PUNCT
easat-10813	9	23	while	while	SCONJ
easat-10813	9	24	social	social	ADJ
easat-10813	9	25	media	medium	NOUN
easat-10813	9	26	usage	usage	NOUN
easat-10813	9	27	and	and	CCONJ
easat-10813	9	28	perceived	perceive	VERB
easat-10813	9	29	tangibility	tangibility	NOUN
easat-10813	9	30	have	have	VERB
easat-10813	9	31	relatively	relatively	ADV
easat-10813	9	32	weaker	weak	ADJ
easat-10813	9	33	effects	effect	NOUN
easat-10813	9	34	.	.	PUNCT
easat-10813	10	1	the	the	DET
easat-10813	10	2	findings	finding	NOUN
easat-10813	10	3	highlight	highlight	VERB
easat-10813	10	4	the	the	DET
easat-10813	10	5	importance	importance	NOUN
easat-10813	10	6	of	of	ADP
easat-10813	10	7	enhancing	enhance	VERB
easat-10813	10	8	trust	trust	NOUN
easat-10813	10	9	,	,	PUNCT
easat-10813	10	10	transparency	transparency	NOUN
easat-10813	10	11	,	,	PUNCT
easat-10813	10	12	and	and	CCONJ
easat-10813	10	13	service	service	NOUN
easat-10813	10	14	quality	quality	NOUN
easat-10813	10	15	in	in	ADP
easat-10813	10	16	online	online	ADJ
easat-10813	10	17	insurance	insurance	NOUN
easat-10813	10	18	platforms	platform	NOUN
easat-10813	10	19	.	.	PUNCT
easat-10813	11	1	insurance	insurance	NOUN
easat-10813	11	2	providers	provider	NOUN
easat-10813	11	3	should	should	AUX
easat-10813	11	4	also	also	ADV
easat-10813	11	5	leverage	leverage	VERB
easat-10813	11	6	targeted	target	VERB
easat-10813	11	7	and	and	CCONJ
easat-10813	11	8	credible	credible	ADJ
easat-10813	11	9	social	social	ADJ
easat-10813	11	10	media	medium	NOUN
easat-10813	11	11	strategies	strategy	NOUN
easat-10813	11	12	to	to	PART
easat-10813	11	13	foster	foster	VERB
easat-10813	11	14	consumer	consumer	NOUN
easat-10813	11	15	engagement	engagement	NOUN
easat-10813	11	16	and	and	CCONJ
easat-10813	11	17	adoption	adoption	NOUN
easat-10813	11	18	in	in	ADP
easat-10813	11	19	mafikeng	mafikeng	NOUN
easat-10813	11	20	’s	’s	PART
easat-10813	11	21	digital	digital	ADJ
easat-10813	11	22	insurance	insurance	NOUN
easat-10813	11	23	market	market	NOUN
easat-10813	11	24	.	.	PUNCT
easat-10813	12	1	by	by	ADP
easat-10813	12	2	integrating	integrate	VERB
easat-10813	12	3	tam	tam	PROPN
easat-10813	12	4	and	and	CCONJ
easat-10813	12	5	tpb	tpb	NOUN
easat-10813	12	6	,	,	PUNCT
easat-10813	12	7	this	this	DET
easat-10813	12	8	study	study	NOUN
easat-10813	12	9	contributes	contribute	VERB
easat-10813	12	10	to	to	ADP
easat-10813	12	11	the	the	DET
easat-10813	12	12	limited	limited	ADJ
easat-10813	12	13	literature	literature	NOUN
easat-10813	12	14	on	on	ADP
easat-10813	12	15	digital	digital	ADJ
easat-10813	12	16	insurance	insurance	NOUN
easat-10813	12	17	adoption	adoption	NOUN
easat-10813	12	18	in	in	ADP
easat-10813	12	19	emerging	emerge	VERB
easat-10813	12	20	markets	market	NOUN
easat-10813	12	21	and	and	CCONJ
easat-10813	12	22	provides	provide	VERB
easat-10813	12	23	actionable	actionable	ADJ
easat-10813	12	24	insights	insight	NOUN
easat-10813	12	25	for	for	ADP
easat-10813	12	26	insurers	insurer	NOUN
easat-10813	12	27	seeking	seek	VERB
easat-10813	12	28	to	to	PART
easat-10813	12	29	strengthen	strengthen	VERB
easat-10813	12	30	customer	customer	NOUN
easat-10813	12	31	trust	trust	NOUN
easat-10813	12	32	and	and	CCONJ
easat-10813	12	33	participation	participation	NOUN
easat-10813	12	34	in	in	ADP
easat-10813	12	35	online	online	ADJ
easat-10813	12	36	platforms	platform	NOUN
easat-10813	12	37	.	.	PUNCT
easat-10813	13	1	keywords	keyword	NOUN
easat-10813	13	2	:	:	PUNCT
easat-10813	13	3	consumer	consumer	NOUN
easat-10813	13	4	behavior	behavior	NOUN
easat-10813	13	5	,	,	PUNCT
easat-10813	13	6	digital	digital	ADJ
easat-10813	13	7	marketing	marketing	NOUN
easat-10813	13	8	,	,	PUNCT
easat-10813	13	9	online	online	ADJ
easat-10813	13	10	insurance	insurance	NOUN
easat-10813	13	11	,	,	PUNCT
easat-10813	13	12	social	social	ADJ
easat-10813	13	13	media	medium	NOUN
easat-10813	13	14	influence	influence	NOUN
easat-10813	13	15	,	,	PUNCT
easat-10813	13	16	technology	technology	NOUN
easat-10813	13	17	acceptance	acceptance	NOUN
easat-10813	13	18	,	,	PUNCT
easat-10813	13	19	trust	trust	NOUN
easat-10813	13	20	,	,	PUNCT
easat-10813	13	21	service	service	NOUN
easat-10813	13	22	quality	quality	NOUN
easat-10813	13	23	.	.	PUNCT
easat-10813	14	1	1	1	X
easat-10813	14	2	.	.	X
easat-10813	14	3	introduction	introduction	NOUN
easat-10813	14	4	marketing	marketing	NOUN
easat-10813	14	5	in	in	ADP
easat-10813	14	6	the	the	DET
easat-10813	14	7	digital	digital	ADJ
easat-10813	14	8	age	age	NOUN
easat-10813	14	9	is	be	AUX
easat-10813	14	10	increasingly	increasingly	ADV
easat-10813	14	11	focused	focus	VERB
easat-10813	14	12	on	on	ADP
easat-10813	14	13	building	build	VERB
easat-10813	14	14	technology	technology	NOUN
easat-10813	14	15	-	-	PUNCT
easat-10813	14	16	enabled	enable	VERB
easat-10813	14	17	,	,	PUNCT
easat-10813	14	18	trust	trust	NOUN
easat-10813	14	19	-	-	PUNCT
easat-10813	14	20	based	base	VERB
easat-10813	14	21	relationships	relationship	NOUN
easat-10813	14	22	with	with	ADP
easat-10813	14	23	consumers	consumer	NOUN
easat-10813	14	24	.	.	PUNCT
easat-10813	15	1	the	the	DET
easat-10813	15	2	insurance	insurance	NOUN
easat-10813	15	3	industry	industry	NOUN
easat-10813	15	4	,	,	PUNCT
easat-10813	15	5	traditionally	traditionally	ADV
easat-10813	15	6	known	know	VERB
easat-10813	15	7	for	for	ADP
easat-10813	15	8	limited	limited	ADJ
easat-10813	15	9	customer	customer	NOUN
easat-10813	15	10	interaction	interaction	NOUN
easat-10813	15	11	,	,	PUNCT
easat-10813	15	12	is	be	AUX
easat-10813	15	13	now	now	ADV
easat-10813	15	14	being	be	AUX
easat-10813	15	15	transformed	transform	VERB
easat-10813	15	16	by	by	ADP
easat-10813	15	17	digital	digital	ADJ
easat-10813	15	18	tools	tool	NOUN
easat-10813	15	19	and	and	CCONJ
easat-10813	15	20	platforms	platform	NOUN
easat-10813	15	21	that	that	PRON
easat-10813	15	22	enable	enable	VERB
easat-10813	15	23	real	real	ADJ
easat-10813	15	24	-	-	PUNCT
easat-10813	15	25	time	time	NOUN
easat-10813	15	26	communication	communication	NOUN
easat-10813	15	27	,	,	PUNCT
easat-10813	15	28	service	service	NOUN
easat-10813	15	29	customization	customization	NOUN
easat-10813	15	30	,	,	PUNCT
easat-10813	15	31	and	and	CCONJ
easat-10813	15	32	broader	broad	ADJ
easat-10813	15	33	outreach	outreach	NOUN
easat-10813	16	1	[	[	X
easat-10813	16	2	1	1	NUM
easat-10813	16	3	]	]	PUNCT
easat-10813	16	4	.	.	PUNCT
easat-10813	17	1	unlike	unlike	ADP
easat-10813	17	2	retailers	retailer	NOUN
easat-10813	17	3	,	,	PUNCT
easat-10813	17	4	insurance	insurance	NOUN
easat-10813	17	5	providers	provider	NOUN
easat-10813	17	6	have	have	AUX
easat-10813	17	7	historically	historically	ADV
easat-10813	17	8	engaged	engage	VERB
easat-10813	17	9	customers	customer	NOUN
easat-10813	17	10	only	only	ADV
easat-10813	17	11	at	at	ADP
easat-10813	17	12	policy	policy	NOUN
easat-10813	17	13	inception	inception	NOUN
easat-10813	17	14	,	,	PUNCT
easat-10813	17	15	renewal	renewal	NOUN
easat-10813	17	16	,	,	PUNCT
easat-10813	17	17	or	or	CCONJ
easat-10813	17	18	during	during	ADP
easat-10813	17	19	a	a	DET
easat-10813	17	20	claim	claim	NOUN
easat-10813	17	21	[	[	X
easat-10813	17	22	2	2	NUM
easat-10813	17	23	]	]	PUNCT
easat-10813	17	24	.	.	PUNCT
easat-10813	18	1	however	however	ADV
easat-10813	18	2	,	,	PUNCT
easat-10813	18	3	with	with	ADP
easat-10813	18	4	the	the	DET
easat-10813	18	5	growth	growth	NOUN
easat-10813	18	6	of	of	ADP
easat-10813	18	7	social	social	ADJ
easat-10813	18	8	media	medium	NOUN
easat-10813	18	9	and	and	CCONJ
easat-10813	18	10	digital	digital	ADJ
easat-10813	18	11	platforms	platform	NOUN
easat-10813	18	12	,	,	PUNCT
easat-10813	18	13	insurers	insurer	NOUN
easat-10813	18	14	now	now	ADV
easat-10813	18	15	have	have	VERB
easat-10813	18	16	the	the	DET
easat-10813	18	17	opportunity	opportunity	NOUN
easat-10813	18	18	to	to	PART
easat-10813	18	19	create	create	VERB
easat-10813	18	20	more	more	ADV
easat-10813	18	21	interactive	interactive	ADJ
easat-10813	18	22	and	and	CCONJ
easat-10813	18	23	personalized	personalized	ADJ
easat-10813	18	24	customer	customer	NOUN
easat-10813	18	25	experiences	experience	NOUN
easat-10813	18	26	.	.	PUNCT
easat-10813	19	1	as	as	SCONJ
easat-10813	19	2	digital	digital	ADJ
easat-10813	19	3	transformation	transformation	NOUN
easat-10813	19	4	accelerates	accelerate	VERB
easat-10813	19	5	,	,	PUNCT
easat-10813	19	6	insurance	insurance	NOUN
easat-10813	19	7	companies	company	NOUN
easat-10813	19	8	face	face	VERB
easat-10813	19	9	increasing	increase	VERB
easat-10813	19	10	pressure	pressure	NOUN
easat-10813	19	11	to	to	PART
easat-10813	19	12	adapt	adapt	VERB
easat-10813	19	13	their	their	PRON
easat-10813	19	14	distribution	distribution	NOUN
easat-10813	19	15	and	and	CCONJ
easat-10813	19	16	engagement	engagement	NOUN
easat-10813	19	17	strategies	strategy	NOUN
easat-10813	19	18	.	.	PUNCT
easat-10813	20	1	this	this	PRON
easat-10813	20	2	includes	include	VERB
easat-10813	20	3	using	use	VERB
easat-10813	20	4	digital	digital	ADJ
easat-10813	20	5	channels	channel	NOUN
easat-10813	20	6	not	not	PART
easat-10813	20	7	just	just	ADV
easat-10813	20	8	for	for	ADP
easat-10813	20	9	advertising	advertising	NOUN
easat-10813	20	10	but	but	CCONJ
easat-10813	20	11	also	also	ADV
easat-10813	20	12	for	for	ADP
easat-10813	20	13	enhancing	enhance	VERB
easat-10813	20	14	trust	trust	NOUN
easat-10813	20	15	,	,	PUNCT
easat-10813	20	16	transparency	transparency	NOUN
easat-10813	20	17	,	,	PUNCT
easat-10813	20	18	and	and	CCONJ
easat-10813	20	19	service	service	NOUN
easat-10813	20	20	quality	quality	NOUN
easat-10813	20	21	[	[	X
easat-10813	20	22	3	3	NUM
easat-10813	20	23	,	,	PUNCT
easat-10813	20	24	4	4	NUM
easat-10813	20	25	]	]	PUNCT
easat-10813	20	26	.	.	PUNCT
easat-10813	21	1	social	social	ADJ
easat-10813	21	2	media	medium	NOUN
easat-10813	21	3	,	,	PUNCT
easat-10813	21	4	in	in	ADP
easat-10813	21	5	particular	particular	ADJ
easat-10813	21	6	,	,	PUNCT
easat-10813	21	7	plays	play	VERB
easat-10813	21	8	a	a	DET
easat-10813	21	9	critical	critical	ADJ
easat-10813	21	10	role	role	NOUN
easat-10813	21	11	in	in	ADP
easat-10813	21	12	shaping	shape	VERB
easat-10813	21	13	consumer	consumer	NOUN
easat-10813	21	14	perceptions	perception	NOUN
easat-10813	21	15	and	and	CCONJ
easat-10813	21	16	purchasing	purchase	VERB
easat-10813	21	17	behavior	behavior	NOUN
easat-10813	21	18	by	by	ADP
easat-10813	21	19	offering	offer	VERB
easat-10813	21	20	platforms	platform	NOUN
easat-10813	21	21	for	for	ADP
easat-10813	21	22	peer	peer	NOUN
easat-10813	21	23	reviews	review	NOUN
easat-10813	21	24	,	,	PUNCT
easat-10813	21	25	company	company	NOUN
easat-10813	21	26	updates	update	VERB
easat-10813	21	27	,	,	PUNCT
easat-10813	21	28	and	and	CCONJ
easat-10813	21	29	service	service	NOUN
easat-10813	21	30	feedback	feedback	NOUN
easat-10813	22	1	[	[	X
easat-10813	22	2	5	5	NUM
easat-10813	22	3	]	]	PUNCT
easat-10813	22	4	.	.	PUNCT
easat-10813	23	1	yet	yet	ADV
easat-10813	23	2	,	,	PUNCT
easat-10813	23	3	despite	despite	SCONJ
easat-10813	23	4	the	the	DET
easat-10813	23	5	growing	grow	VERB
easat-10813	23	6	adoption	adoption	NOUN
easat-10813	23	7	of	of	ADP
easat-10813	23	8	online	online	ADJ
easat-10813	23	9	tools	tool	NOUN
easat-10813	23	10	,	,	PUNCT
easat-10813	23	11	many	many	ADJ
easat-10813	23	12	consumers	consumer	NOUN
easat-10813	23	13	,	,	PUNCT
easat-10813	23	14	especially	especially	ADV
easat-10813	23	15	in	in	ADP
easat-10813	23	16	developing	develop	VERB
easat-10813	23	17	regions	region	NOUN
easat-10813	23	18	,	,	PUNCT
easat-10813	23	19	still	still	ADV
easat-10813	23	20	struggle	struggle	VERB
easat-10813	23	21	with	with	ADP
easat-10813	23	22	the	the	DET
easat-10813	23	23	complexity	complexity	NOUN
easat-10813	23	24	of	of	ADP
easat-10813	23	25	purchasing	purchase	VERB
easat-10813	23	26	insurance	insurance	NOUN
easat-10813	23	27	online	online	ADJ
easat-10813	23	28	due	due	ADP
easat-10813	23	29	to	to	ADP
easat-10813	23	30	limited	limited	ADJ
easat-10813	23	31	guidance	guidance	NOUN
easat-10813	23	32	,	,	PUNCT
easat-10813	23	33	information	information	NOUN
easat-10813	23	34	overload	overload	NOUN
easat-10813	23	35	,	,	PUNCT
easat-10813	23	36	or	or	CCONJ
easat-10813	23	37	lack	lack	NOUN
easat-10813	23	38	of	of	ADP
easat-10813	23	39	trust	trust	NOUN
easat-10813	23	40	[	[	X
easat-10813	23	41	6	6	NUM
easat-10813	23	42	]	]	PUNCT
easat-10813	23	43	.	.	PUNCT
easat-10813	24	1	this	this	DET
easat-10813	24	2	study	study	NOUN
easat-10813	24	3	focuses	focus	VERB
easat-10813	24	4	on	on	ADP
easat-10813	24	5	mahikeng	mahikeng	PROPN
easat-10813	24	6	,	,	PUNCT
easat-10813	24	7	a	a	DET
easat-10813	24	8	mid	mid	ADJ
easat-10813	24	9	-	-	ADJ
easat-10813	24	10	sized	sized	ADJ
easat-10813	24	11	south	south	ADJ
easat-10813	24	12	african	african	ADJ
easat-10813	24	13	city	city	NOUN
easat-10813	24	14	where	where	SCONJ
easat-10813	24	15	digital	digital	ADJ
easat-10813	24	16	financial	financial	ADJ
easat-10813	24	17	literacy	literacy	NOUN
easat-10813	24	18	and	and	CCONJ
easat-10813	24	19	adoption	adoption	NOUN
easat-10813	24	20	are	be	AUX
easat-10813	24	21	rising	rise	VERB
easat-10813	24	22	but	but	CCONJ
easat-10813	24	23	remain	remain	VERB
easat-10813	24	24	uneven	uneven	ADJ
easat-10813	24	25	.	.	PUNCT
easat-10813	25	1	consumers	consumer	NOUN
easat-10813	25	2	in	in	ADP
easat-10813	25	3	such	such	ADJ
easat-10813	25	4	markets	market	NOUN
easat-10813	25	5	often	often	ADV
easat-10813	25	6	depend	depend	VERB
easat-10813	25	7	on	on	ADP
easat-10813	25	8	social	social	ADJ
easat-10813	25	9	influence	influence	NOUN
easat-10813	25	10	or	or	CCONJ
easat-10813	25	11	offline	offline	ADJ
easat-10813	25	12	recommendations	recommendation	NOUN
easat-10813	25	13	when	when	SCONJ
easat-10813	25	14	choosing	choose	VERB
easat-10813	25	15	car	car	NOUN
easat-10813	25	16	insurance	insurance	NOUN
easat-10813	25	17	.	.	PUNCT
easat-10813	26	1	as	as	ADP
easat-10813	26	2	the	the	DET
easat-10813	26	3	industry	industry	NOUN
easat-10813	26	4	shifts	shift	NOUN
easat-10813	26	5	online	online	ADV
easat-10813	26	6	,	,	PUNCT
easat-10813	26	7	understanding	understand	VERB
easat-10813	26	8	the	the	DET
easat-10813	26	9	drivers	driver	NOUN
easat-10813	26	10	of	of	ADP
easat-10813	26	11	digital	digital	ADJ
easat-10813	26	12	https://orcid.org/0000-0003-0854-2165	https://orcid.org/0000-0003-0854-2165	PROPN
easat-10813	26	13	161	161	NUM
easat-10813	26	14	edelweiss	edelweiss	PROPN
easat-10813	26	15	applied	apply	VERB
easat-10813	26	16	science	science	NOUN
easat-10813	26	17	and	and	CCONJ
easat-10813	26	18	technology	technology	NOUN
easat-10813	26	19	issn	issn	PROPN
easat-10813	26	20	:	:	PUNCT
easat-10813	26	21	2576	2576	NUM
easat-10813	26	22	-	-	SYM
easat-10813	26	23	8484	8484	NUM
easat-10813	26	24	vol	vol	NOUN
easat-10813	26	25	.	.	PROPN
easat-10813	26	26	9	9	NUM
easat-10813	26	27	,	,	PUNCT
easat-10813	26	28	no	no	INTJ
easat-10813	26	29	.	.	NOUN
easat-10813	26	30	11	11	NUM
easat-10813	26	31	:	:	PUNCT
easat-10813	26	32	160	160	NUM
easat-10813	26	33	-	-	SYM
easat-10813	26	34	172	172	NUM
easat-10813	26	35	,	,	PUNCT
easat-10813	26	36	2025	2025	NUM
easat-10813	26	37	doi	doi	NOUN
easat-10813	26	38	:	:	PUNCT
easat-10813	26	39	10.55214/2576	10.55214/2576	NUM
easat-10813	26	40	-	-	SYM
easat-10813	26	41	8484.v9i11.10813	8484.v9i11.10813	NUM
easat-10813	27	1	©	©	ADP
easat-10813	27	2	2025	2025	NUM
easat-10813	27	3	by	by	ADP
easat-10813	27	4	the	the	DET
easat-10813	27	5	authors	author	NOUN
easat-10813	27	6	;	;	PUNCT
easat-10813	27	7	licensee	licensee	PROPN
easat-10813	27	8	learning	learn	VERB
easat-10813	27	9	gate	gate	NOUN
easat-10813	27	10	insurance	insurance	NOUN
easat-10813	27	11	purchasing	purchasing	NOUN
easat-10813	27	12	decisions	decision	NOUN
easat-10813	27	13	becomes	become	VERB
easat-10813	27	14	essential	essential	ADJ
easat-10813	27	15	for	for	SCONJ
easat-10813	27	16	both	both	DET
easat-10813	27	17	insurers	insurer	NOUN
easat-10813	27	18	and	and	CCONJ
easat-10813	27	19	policymakers	policymaker	NOUN
easat-10813	27	20	aiming	aim	VERB
easat-10813	27	21	to	to	PART
easat-10813	27	22	increase	increase	VERB
easat-10813	27	23	participation	participation	NOUN
easat-10813	27	24	and	and	CCONJ
easat-10813	27	25	inclusion	inclusion	NOUN
easat-10813	27	26	in	in	ADP
easat-10813	27	27	the	the	DET
easat-10813	27	28	digital	digital	ADJ
easat-10813	27	29	economy	economy	NOUN
easat-10813	27	30	.	.	PUNCT
easat-10813	28	1	to	to	PART
easat-10813	28	2	examine	examine	VERB
easat-10813	28	3	these	these	DET
easat-10813	28	4	drivers	driver	NOUN
easat-10813	28	5	,	,	PUNCT
easat-10813	28	6	this	this	DET
easat-10813	28	7	study	study	NOUN
easat-10813	28	8	draws	draw	VERB
easat-10813	28	9	on	on	ADP
easat-10813	28	10	two	two	NUM
easat-10813	28	11	established	establish	VERB
easat-10813	28	12	frameworks	framework	NOUN
easat-10813	28	13	:	:	PUNCT
easat-10813	28	14	the	the	DET
easat-10813	28	15	technology	technology	NOUN
easat-10813	28	16	acceptance	acceptance	NOUN
easat-10813	28	17	model	model	NOUN
easat-10813	28	18	(	(	PUNCT
easat-10813	28	19	tam	tam	PROPN
easat-10813	28	20	)	)	PUNCT
easat-10813	28	21	and	and	CCONJ
easat-10813	28	22	the	the	DET
easat-10813	28	23	theory	theory	NOUN
easat-10813	28	24	of	of	ADP
easat-10813	28	25	planned	plan	VERB
easat-10813	28	26	behavior	behavior	NOUN
easat-10813	28	27	(	(	PUNCT
easat-10813	28	28	tpb	tpb	NOUN
easat-10813	28	29	)	)	PUNCT
easat-10813	28	30	.	.	PUNCT
easat-10813	29	1	tam	tam	PROPN
easat-10813	29	2	is	be	AUX
easat-10813	29	3	used	use	VERB
easat-10813	29	4	to	to	PART
easat-10813	29	5	assess	assess	VERB
easat-10813	29	6	how	how	SCONJ
easat-10813	29	7	perceived	perceive	VERB
easat-10813	29	8	usefulness	usefulness	NOUN
easat-10813	29	9	and	and	CCONJ
easat-10813	29	10	ease	ease	NOUN
easat-10813	29	11	of	of	ADP
easat-10813	29	12	use	use	NOUN
easat-10813	29	13	affect	affect	VERB
easat-10813	29	14	consumers	consumer	NOUN
easat-10813	29	15	’	'	PUNCT
easat-10813	29	16	acceptance	acceptance	NOUN
easat-10813	29	17	of	of	ADP
easat-10813	29	18	online	online	ADJ
easat-10813	29	19	platforms	platform	NOUN
easat-10813	29	20	[	[	X
easat-10813	29	21	7	7	X
easat-10813	29	22	]	]	PUNCT
easat-10813	29	23	while	while	SCONJ
easat-10813	29	24	tpb	tpb	NOUN
easat-10813	29	25	helps	helps	AUX
easat-10813	29	26	explore	explore	VERB
easat-10813	29	27	how	how	SCONJ
easat-10813	29	28	attitudes	attitude	NOUN
easat-10813	29	29	,	,	PUNCT
easat-10813	29	30	perceived	perceive	VERB
easat-10813	29	31	trust	trust	NOUN
easat-10813	29	32	,	,	PUNCT
easat-10813	29	33	and	and	CCONJ
easat-10813	29	34	social	social	ADJ
easat-10813	29	35	norms	norm	NOUN
easat-10813	29	36	influence	influence	VERB
easat-10813	29	37	behavioral	behavioral	ADJ
easat-10813	29	38	intentions	intention	NOUN
easat-10813	29	39	[	[	X
easat-10813	29	40	8	8	NUM
easat-10813	29	41	]	]	PUNCT
easat-10813	29	42	.	.	PUNCT
easat-10813	30	1	while	while	SCONJ
easat-10813	30	2	previous	previous	ADJ
easat-10813	30	3	studies	study	NOUN
easat-10813	30	4	have	have	AUX
easat-10813	30	5	explored	explore	VERB
easat-10813	30	6	technology	technology	NOUN
easat-10813	30	7	acceptance	acceptance	NOUN
easat-10813	30	8	or	or	CCONJ
easat-10813	30	9	digital	digital	ADJ
easat-10813	30	10	trust	trust	NOUN
easat-10813	30	11	independently	independently	ADV
easat-10813	30	12	,	,	PUNCT
easat-10813	30	13	few	few	ADJ
easat-10813	30	14	have	have	AUX
easat-10813	30	15	applied	apply	VERB
easat-10813	30	16	an	an	DET
easat-10813	30	17	integrated	integrate	VERB
easat-10813	30	18	tpb	tpb	NOUN
easat-10813	30	19	and	and	CCONJ
easat-10813	30	20	tam	tam	NOUN
easat-10813	30	21	framework	framework	NOUN
easat-10813	30	22	to	to	PART
easat-10813	30	23	understand	understand	VERB
easat-10813	30	24	how	how	SCONJ
easat-10813	30	25	attitudes	attitude	NOUN
easat-10813	30	26	,	,	PUNCT
easat-10813	30	27	trust	trust	NOUN
easat-10813	30	28	,	,	PUNCT
easat-10813	30	29	and	and	CCONJ
easat-10813	30	30	digital	digital	ADJ
easat-10813	30	31	touchpoints	touchpoint	NOUN
easat-10813	30	32	shape	shape	VERB
easat-10813	30	33	online	online	ADJ
easat-10813	30	34	insurance	insurance	NOUN
easat-10813	30	35	purchasing	purchasing	NOUN
easat-10813	30	36	behavior	behavior	NOUN
easat-10813	30	37	in	in	ADP
easat-10813	30	38	localized	localized	ADJ
easat-10813	30	39	,	,	PUNCT
easat-10813	30	40	under	under	ADV
easat-10813	30	41	-	-	PUNCT
easat-10813	30	42	researched	research	VERB
easat-10813	30	43	markets	market	NOUN
easat-10813	30	44	like	like	ADP
easat-10813	30	45	mahikeng	mahikeng	PROPN
easat-10813	30	46	.	.	PUNCT
easat-10813	31	1	hence	hence	ADV
easat-10813	31	2	,	,	PUNCT
easat-10813	31	3	this	this	DET
easat-10813	31	4	research	research	NOUN
easat-10813	31	5	seeks	seek	VERB
easat-10813	31	6	to	to	PART
easat-10813	31	7	fill	fill	VERB
easat-10813	31	8	that	that	DET
easat-10813	31	9	gap	gap	NOUN
easat-10813	31	10	by	by	ADP
easat-10813	31	11	providing	provide	VERB
easat-10813	31	12	a	a	DET
easat-10813	31	13	comprehensive	comprehensive	ADJ
easat-10813	31	14	understanding	understanding	NOUN
easat-10813	31	15	of	of	ADP
easat-10813	31	16	the	the	DET
easat-10813	31	17	behavioral	behavioral	ADJ
easat-10813	31	18	and	and	CCONJ
easat-10813	31	19	technological	technological	ADJ
easat-10813	31	20	factors	factor	NOUN
easat-10813	31	21	driving	drive	VERB
easat-10813	31	22	online	online	ADJ
easat-10813	31	23	insurance	insurance	NOUN
easat-10813	31	24	decisions	decision	NOUN
easat-10813	31	25	among	among	ADP
easat-10813	31	26	car	car	NOUN
easat-10813	31	27	owners	owner	NOUN
easat-10813	31	28	in	in	ADP
easat-10813	31	29	the	the	DET
easat-10813	31	30	region	region	NOUN
easat-10813	31	31	.	.	PUNCT
easat-10813	32	1	2	2	X
easat-10813	32	2	.	.	X
easat-10813	32	3	background	background	NOUN
easat-10813	32	4	of	of	ADP
easat-10813	32	5	the	the	DET
easat-10813	32	6	study	study	PROPN
easat-10813	32	7	south	south	PROPN
easat-10813	32	8	africa	africa	PROPN
easat-10813	32	9	’s	’s	PART
easat-10813	32	10	insurance	insurance	NOUN
easat-10813	32	11	industry	industry	NOUN
easat-10813	32	12	,	,	PUNCT
easat-10813	32	13	established	establish	VERB
easat-10813	32	14	in	in	ADP
easat-10813	32	15	the	the	DET
easat-10813	32	16	cape	cape	NOUN
easat-10813	32	17	colony	colony	NOUN
easat-10813	32	18	in	in	ADP
easat-10813	32	19	1835	1835	NUM
easat-10813	32	20	,	,	PUNCT
easat-10813	32	21	has	have	AUX
easat-10813	32	22	undergone	undergo	VERB
easat-10813	32	23	significant	significant	ADJ
easat-10813	32	24	digital	digital	ADJ
easat-10813	32	25	transformation	transformation	NOUN
easat-10813	32	26	since	since	SCONJ
easat-10813	32	27	santam	santam	NOUN
easat-10813	32	28	revolutionized	revolutionize	VERB
easat-10813	32	29	the	the	DET
easat-10813	32	30	sector	sector	NOUN
easat-10813	32	31	in	in	ADP
easat-10813	32	32	the	the	DET
easat-10813	32	33	mid-20th	mid-20th	NUM
easat-10813	32	34	century	century	NOUN
easat-10813	32	35	with	with	ADP
easat-10813	32	36	its	its	PRON
easat-10813	32	37	integrated	integrate	VERB
easat-10813	32	38	multiplex	multiplex	NOUN
easat-10813	32	39	policy	policy	NOUN
easat-10813	33	1	[	[	X
easat-10813	33	2	9	9	NUM
easat-10813	33	3	,	,	PUNCT
easat-10813	33	4	10	10	NUM
easat-10813	33	5	]	]	PUNCT
easat-10813	33	6	.	.	PUNCT
easat-10813	34	1	today	today	NOUN
easat-10813	34	2	,	,	PUNCT
easat-10813	34	3	the	the	DET
easat-10813	34	4	industry	industry	NOUN
easat-10813	34	5	remains	remain	VERB
easat-10813	34	6	africa	africa	PROPN
easat-10813	34	7	’s	’s	PART
easat-10813	34	8	largest	large	ADJ
easat-10813	34	9	by	by	ADP
easat-10813	34	10	premiums	premium	NOUN
easat-10813	34	11	and	and	CCONJ
easat-10813	34	12	assets	asset	NOUN
easat-10813	34	13	under	under	ADP
easat-10813	34	14	management	management	NOUN
easat-10813	34	15	,	,	PUNCT
easat-10813	34	16	yet	yet	CCONJ
easat-10813	34	17	it	it	PRON
easat-10813	34	18	faces	face	VERB
easat-10813	34	19	unprecedented	unprecedented	ADJ
easat-10813	34	20	disruption	disruption	NOUN
easat-10813	34	21	from	from	ADP
easat-10813	34	22	technology	technology	NOUN
easat-10813	34	23	and	and	CCONJ
easat-10813	34	24	shifting	shift	VERB
easat-10813	34	25	consumer	consumer	NOUN
easat-10813	34	26	expectations	expectation	NOUN
easat-10813	35	1	[	[	X
easat-10813	35	2	11	11	NUM
easat-10813	35	3	,	,	PUNCT
easat-10813	35	4	12	12	NUM
easat-10813	35	5	]	]	PUNCT
easat-10813	35	6	.	.	PUNCT
easat-10813	36	1	while	while	SCONJ
easat-10813	36	2	the	the	DET
easat-10813	36	3	sector	sector	NOUN
easat-10813	36	4	achieved	achieve	VERB
easat-10813	36	5	a	a	DET
easat-10813	36	6	record	record	NOUN
easat-10813	36	7	-	-	PUNCT
easat-10813	36	8	high	high	ADJ
easat-10813	36	9	global	global	ADJ
easat-10813	36	10	insurance	insurance	NOUN
easat-10813	36	11	penetration	penetration	NOUN
easat-10813	36	12	rate	rate	NOUN
easat-10813	36	13	of	of	ADP
easat-10813	36	14	17.2	17.2	NUM
easat-10813	36	15	%	%	NOUN
easat-10813	36	16	in	in	ADP
easat-10813	36	17	2023	2023	NUM
easat-10813	36	18	[	[	X
easat-10813	36	19	13	13	NUM
easat-10813	36	20	]	]	X
easat-10813	36	21	short	short	ADJ
easat-10813	36	22	-	-	PUNCT
easat-10813	36	23	term	term	NOUN
easat-10813	36	24	insurers	insurer	NOUN
easat-10813	36	25	have	have	AUX
easat-10813	36	26	struggled	struggle	VERB
easat-10813	36	27	to	to	PART
easat-10813	36	28	keep	keep	VERB
easat-10813	36	29	pace	pace	NOUN
easat-10813	36	30	with	with	ADP
easat-10813	36	31	digital	digital	ADJ
easat-10813	36	32	adoption	adoption	NOUN
easat-10813	36	33	,	,	PUNCT
easat-10813	36	34	particularly	particularly	ADV
easat-10813	36	35	in	in	ADP
easat-10813	36	36	social	social	ADJ
easat-10813	36	37	media	medium	NOUN
easat-10813	36	38	integration	integration	NOUN
easat-10813	36	39	.	.	PUNCT
easat-10813	37	1	this	this	DET
easat-10813	37	2	gap	gap	NOUN
easat-10813	37	3	persists	persist	VERB
easat-10813	37	4	despite	despite	SCONJ
easat-10813	37	5	evidence	evidence	NOUN
easat-10813	37	6	that	that	SCONJ
easat-10813	37	7	digitally	digitally	ADV
easat-10813	37	8	mature	mature	VERB
easat-10813	37	9	insurers	insurer	NOUN
easat-10813	37	10	achieve	achieve	VERB
easat-10813	37	11	customer	customer	NOUN
easat-10813	37	12	acquisition	acquisition	NOUN
easat-10813	37	13	rates	rate	NOUN
easat-10813	37	14	2	2	NUM
easat-10813	37	15	to	to	PART
easat-10813	37	16	3	3	NUM
easat-10813	37	17	times	time	NOUN
easat-10813	37	18	higher	high	ADJ
easat-10813	37	19	[	[	X
easat-10813	37	20	14	14	NUM
easat-10813	37	21	]	]	PUNCT
easat-10813	37	22	.	.	PUNCT
easat-10813	38	1	current	current	ADJ
easat-10813	38	2	industry	industry	NOUN
easat-10813	38	3	dynamics	dynamic	NOUN
easat-10813	38	4	reveal	reveal	VERB
easat-10813	38	5	that	that	SCONJ
easat-10813	38	6	while	while	SCONJ
easat-10813	38	7	established	establish	VERB
easat-10813	38	8	players	player	NOUN
easat-10813	38	9	like	like	ADP
easat-10813	38	10	sanlam	sanlam	NOUN
easat-10813	38	11	(	(	PUNCT
easat-10813	38	12	19.2	19.2	NUM
easat-10813	38	13	%	%	NOUN
easat-10813	38	14	market	market	NOUN
easat-10813	38	15	share	share	NOUN
easat-10813	38	16	)	)	PUNCT
easat-10813	38	17	,	,	PUNCT
easat-10813	38	18	outsurance	outsurance	NOUN
easat-10813	38	19	(	(	PUNCT
easat-10813	38	20	16.1	16.1	NUM
easat-10813	38	21	%	%	NOUN
easat-10813	38	22	)	)	PUNCT
easat-10813	38	23	,	,	PUNCT
easat-10813	38	24	and	and	CCONJ
easat-10813	38	25	old	old	ADJ
easat-10813	38	26	mutual	mutual	ADJ
easat-10813	38	27	(	(	PUNCT
easat-10813	38	28	12.7	12.7	NUM
easat-10813	38	29	%	%	NOUN
easat-10813	38	30	)	)	PUNCT
easat-10813	38	31	dominate	dominate	VERB
easat-10813	38	32	south	south	PROPN
easat-10813	38	33	africa	africa	PROPN
easat-10813	38	34	's	's	PART
easat-10813	38	35	short	short	ADJ
easat-10813	38	36	-	-	PUNCT
easat-10813	38	37	term	term	NOUN
easat-10813	38	38	insurance	insurance	NOUN
easat-10813	38	39	sector	sector	NOUN
easat-10813	38	40	,	,	PUNCT
easat-10813	38	41	they	they	PRON
easat-10813	38	42	face	face	VERB
easat-10813	38	43	rising	rise	VERB
easat-10813	38	44	competition	competition	NOUN
easat-10813	38	45	from	from	ADP
easat-10813	38	46	digital	digital	ADJ
easat-10813	38	47	insurtechs	insurtech	NOUN
easat-10813	38	48	like	like	ADP
easat-10813	38	49	naked	naked	ADJ
easat-10813	38	50	insurance	insurance	NOUN
easat-10813	38	51	[	[	X
easat-10813	38	52	15	15	NUM
easat-10813	38	53	]	]	PUNCT
easat-10813	38	54	.	.	PUNCT
easat-10813	39	1	this	this	DET
easat-10813	39	2	competition	competition	NOUN
easat-10813	39	3	is	be	AUX
easat-10813	39	4	intensified	intensify	VERB
easat-10813	39	5	by	by	ADP
easat-10813	39	6	a	a	DET
easat-10813	39	7	significant	significant	ADJ
easat-10813	39	8	shift	shift	NOUN
easat-10813	39	9	in	in	ADP
easat-10813	39	10	consumer	consumer	NOUN
easat-10813	39	11	behavior	behavior	NOUN
easat-10813	39	12	,	,	PUNCT
easat-10813	39	13	as	as	SCONJ
easat-10813	39	14	83	83	NUM
easat-10813	39	15	percent	percent	NOUN
easat-10813	39	16	of	of	ADP
easat-10813	39	17	policyholders	policyholder	NOUN
easat-10813	39	18	now	now	ADV
easat-10813	39	19	compare	compare	VERB
easat-10813	39	20	insurance	insurance	NOUN
easat-10813	39	21	online	online	ADV
easat-10813	39	22	and	and	CCONJ
easat-10813	39	23	71	71	NUM
easat-10813	39	24	percent	percent	NOUN
easat-10813	39	25	expect	expect	VERB
easat-10813	39	26	real	real	ADJ
easat-10813	39	27	-	-	PUNCT
easat-10813	39	28	time	time	NOUN
easat-10813	39	29	social	social	ADJ
easat-10813	39	30	media	medium	NOUN
easat-10813	39	31	engagement	engagement	NOUN
easat-10813	39	32	for	for	ADP
easat-10813	39	33	service	service	NOUN
easat-10813	39	34	needs	need	NOUN
easat-10813	39	35	.	.	PUNCT
easat-10813	40	1	in	in	ADP
easat-10813	40	2	response	response	NOUN
easat-10813	40	3	,	,	PUNCT
easat-10813	40	4	67	67	NUM
easat-10813	40	5	percent	percent	NOUN
easat-10813	40	6	of	of	ADP
easat-10813	40	7	insurers	insurer	NOUN
easat-10813	40	8	now	now	ADV
easat-10813	40	9	prioritize	prioritize	VERB
easat-10813	40	10	ai	ai	ADP
easat-10813	40	11	and	and	CCONJ
easat-10813	40	12	social	social	ADJ
easat-10813	40	13	media	medium	NOUN
easat-10813	40	14	in	in	ADP
easat-10813	40	15	their	their	PRON
easat-10813	40	16	strategies	strategy	NOUN
easat-10813	40	17	;	;	PUNCT
easat-10813	40	18	however	however	ADV
easat-10813	40	19	,	,	PUNCT
easat-10813	40	20	only	only	ADV
easat-10813	40	21	28	28	NUM
easat-10813	40	22	percent	percent	NOUN
easat-10813	40	23	leverage	leverage	NOUN
easat-10813	40	24	these	these	PRON
easat-10813	40	25	beyond	beyond	ADP
easat-10813	40	26	basic	basic	ADJ
easat-10813	40	27	brand	brand	NOUN
easat-10813	40	28	awareness	awareness	NOUN
easat-10813	40	29	,	,	PUNCT
easat-10813	40	30	revealing	reveal	VERB
easat-10813	40	31	a	a	DET
easat-10813	40	32	critical	critical	ADJ
easat-10813	40	33	implementation	implementation	NOUN
easat-10813	40	34	gap	gap	NOUN
easat-10813	40	35	.	.	PUNCT
easat-10813	41	1	this	this	DET
easat-10813	41	2	gap	gap	NOUN
easat-10813	41	3	is	be	AUX
easat-10813	41	4	especially	especially	ADV
easat-10813	41	5	relevant	relevant	ADJ
easat-10813	41	6	,	,	PUNCT
easat-10813	41	7	given	give	VERB
easat-10813	41	8	the	the	DET
easat-10813	41	9	dramatic	dramatic	ADJ
easat-10813	41	10	surge	surge	NOUN
easat-10813	41	11	in	in	ADP
easat-10813	41	12	social	social	ADJ
easat-10813	41	13	media	medium	NOUN
easat-10813	41	14	's	's	PART
easat-10813	41	15	influence	influence	NOUN
easat-10813	41	16	,	,	PUNCT
easat-10813	41	17	where	where	SCONJ
easat-10813	41	18	it	it	PRON
easat-10813	41	19	once	once	ADV
easat-10813	41	20	influenced	influence	VERB
easat-10813	41	21	only	only	ADV
easat-10813	41	22	19.4	19.4	NUM
easat-10813	41	23	percent	percent	NOUN
easat-10813	41	24	of	of	ADP
easat-10813	41	25	car	car	NOUN
easat-10813	41	26	owners	owner	NOUN
easat-10813	41	27	,	,	PUNCT
easat-10813	41	28	now	now	ADV
easat-10813	41	29	52	52	NUM
easat-10813	41	30	percent	percent	NOUN
easat-10813	41	31	of	of	ADP
easat-10813	41	32	south	south	PROPN
easat-10813	41	33	africans	africans	PROPN
easat-10813	41	34	aged	age	VERB
easat-10813	41	35	between	between	ADP
easat-10813	41	36	18	18	NUM
easat-10813	41	37	to	to	PART
easat-10813	41	38	35	35	NUM
easat-10813	41	39	use	use	NOUN
easat-10813	41	40	platforms	platform	NOUN
easat-10813	41	41	like	like	ADP
easat-10813	41	42	instagram	instagram	PROPN
easat-10813	41	43	and	and	CCONJ
easat-10813	41	44	tiktok	tiktok	NOUN
easat-10813	41	45	for	for	ADP
easat-10813	41	46	insurance	insurance	NOUN
easat-10813	41	47	research	research	NOUN
easat-10813	41	48	[	[	X
easat-10813	41	49	11	11	NUM
easat-10813	41	50	]	]	PUNCT
easat-10813	41	51	.	.	PUNCT
easat-10813	42	1	a	a	DET
easat-10813	42	2	behavioral	behavioral	ADJ
easat-10813	42	3	shift	shift	NOUN
easat-10813	42	4	amplified	amplify	VERB
easat-10813	42	5	in	in	ADP
easat-10813	42	6	high	high	ADJ
easat-10813	42	7	-	-	PUNCT
easat-10813	42	8	potential	potential	ADJ
easat-10813	42	9	growth	growth	NOUN
easat-10813	42	10	hubs	hub	NOUN
easat-10813	42	11	like	like	ADP
easat-10813	42	12	mahikeng	mahikeng	PROPN
easat-10813	42	13	,	,	PUNCT
easat-10813	42	14	which	which	PRON
easat-10813	42	15	is	be	AUX
easat-10813	42	16	home	home	NOUN
easat-10813	42	17	to	to	ADP
easat-10813	42	18	over	over	ADP
easat-10813	42	19	48,200	48,200	NUM
easat-10813	42	20	registered	register	VERB
easat-10813	42	21	vehicles	vehicle	NOUN
easat-10813	42	22	.	.	PUNCT
easat-10813	43	1	nevertheless	nevertheless	ADV
easat-10813	43	2	,	,	PUNCT
easat-10813	43	3	insurers	insurer	NOUN
easat-10813	43	4	struggle	struggle	VERB
easat-10813	43	5	to	to	PART
easat-10813	43	6	convert	convert	VERB
easat-10813	43	7	engagement	engagement	NOUN
easat-10813	43	8	into	into	ADP
easat-10813	43	9	sales	sale	NOUN
easat-10813	43	10	.	.	PUNCT
easat-10813	44	1	while	while	SCONJ
easat-10813	44	2	embedded	embed	VERB
easat-10813	44	3	insurance	insurance	NOUN
easat-10813	44	4	grows	grow	VERB
easat-10813	44	5	globally	globally	ADV
easat-10813	44	6	,	,	PUNCT
easat-10813	44	7	south	south	ADJ
easat-10813	44	8	african	african	ADJ
easat-10813	44	9	providers	provider	NOUN
easat-10813	44	10	remain	remain	VERB
easat-10813	44	11	isolated	isolated	ADJ
easat-10813	44	12	in	in	ADP
easat-10813	44	13	traditional	traditional	ADJ
easat-10813	44	14	promotional	promotional	ADJ
easat-10813	44	15	combinations	combination	NOUN
easat-10813	44	16	.	.	PUNCT
easat-10813	45	1	only	only	ADV
easat-10813	45	2	31	31	NUM
easat-10813	45	3	percent	percent	NOUN
easat-10813	45	4	leverage	leverage	NOUN
easat-10813	45	5	influencer	influencer	NOUN
easat-10813	45	6	partnerships	partnership	NOUN
easat-10813	45	7	or	or	CCONJ
easat-10813	45	8	user	user	NOUN
easat-10813	45	9	-	-	PUNCT
easat-10813	45	10	generated	generate	VERB
easat-10813	45	11	content	content	NOUN
easat-10813	45	12	(	(	PUNCT
easat-10813	45	13	ugc	ugc	PROPN
easat-10813	45	14	)	)	PUNCT
easat-10813	45	15	tactics	tactic	NOUN
easat-10813	45	16	proven	prove	VERB
easat-10813	45	17	to	to	PART
easat-10813	45	18	boost	boost	VERB
easat-10813	45	19	trust	trust	NOUN
easat-10813	45	20	in	in	ADP
easat-10813	45	21	high	high	ADJ
easat-10813	45	22	-	-	PUNCT
easat-10813	45	23	distrust	distrust	NOUN
easat-10813	45	24	markets	market	NOUN
easat-10813	45	25	[	[	X
easat-10813	45	26	16	16	NUM
easat-10813	45	27	]	]	PUNCT
easat-10813	45	28	.	.	PUNCT
easat-10813	46	1	thus	thus	ADV
easat-10813	46	2	,	,	PUNCT
easat-10813	46	3	this	this	DET
easat-10813	46	4	study	study	NOUN
easat-10813	46	5	investigates	investigate	VERB
easat-10813	46	6	how	how	SCONJ
easat-10813	46	7	an	an	DET
easat-10813	46	8	integrated	integrated	ADJ
easat-10813	46	9	social	social	ADJ
easat-10813	46	10	media	medium	NOUN
easat-10813	46	11	promotion	promotion	NOUN
easat-10813	46	12	mix	mix	NOUN
easat-10813	46	13	can	can	AUX
easat-10813	46	14	bridge	bridge	VERB
easat-10813	46	15	the	the	DET
easat-10813	46	16	gap	gap	NOUN
easat-10813	46	17	between	between	ADP
easat-10813	46	18	insurers	insurer	NOUN
easat-10813	46	19	’	’	PART
easat-10813	46	20	digital	digital	ADJ
easat-10813	46	21	ambitions	ambition	NOUN
easat-10813	46	22	and	and	CCONJ
easat-10813	46	23	consumer	consumer	NOUN
easat-10813	46	24	decision	decision	NOUN
easat-10813	46	25	-	-	PUNCT
easat-10813	46	26	making	making	NOUN
easat-10813	46	27	in	in	ADP
easat-10813	46	28	underserved	underserved	ADJ
easat-10813	46	29	markets	market	NOUN
easat-10813	46	30	such	such	ADJ
easat-10813	46	31	as	as	ADP
easat-10813	46	32	mahikeng	mahikeng	PROPN
easat-10813	46	33	.	.	PUNCT
easat-10813	47	1	3	3	X
easat-10813	47	2	.	.	X
easat-10813	47	3	problem	problem	NOUN
easat-10813	47	4	statement	statement	NOUN
easat-10813	47	5	despite	despite	SCONJ
easat-10813	47	6	global	global	ADJ
easat-10813	47	7	norms	norm	NOUN
easat-10813	47	8	mandating	mandate	VERB
easat-10813	47	9	car	car	NOUN
easat-10813	47	10	insurance	insurance	NOUN
easat-10813	47	11	,	,	PUNCT
easat-10813	47	12	south	south	PROPN
easat-10813	47	13	africa	africa	PROPN
easat-10813	47	14	’s	’s	PART
easat-10813	47	15	voluntary	voluntary	ADJ
easat-10813	47	16	system	system	NOUN
easat-10813	47	17	faces	face	VERB
easat-10813	47	18	a	a	DET
easat-10813	47	19	deepening	deepening	NOUN
easat-10813	47	20	crisis	crisis	NOUN
easat-10813	47	21	of	of	ADP
easat-10813	47	22	underinsurance	underinsurance	NOUN
easat-10813	47	23	.	.	PUNCT
easat-10813	48	1	intensified	intensify	VERB
easat-10813	48	2	competition	competition	NOUN
easat-10813	48	3	allows	allow	VERB
easat-10813	48	4	consumers	consumer	NOUN
easat-10813	48	5	to	to	PART
easat-10813	48	6	switch	switch	VERB
easat-10813	48	7	insurers	insurer	NOUN
easat-10813	48	8	instantly	instantly	ADV
easat-10813	48	9	,	,	PUNCT
easat-10813	48	10	heightening	heighten	VERB
easat-10813	48	11	pressure	pressure	NOUN
easat-10813	48	12	on	on	ADP
easat-10813	48	13	providers	provider	NOUN
easat-10813	48	14	to	to	PART
easat-10813	48	15	leverage	leverage	VERB
easat-10813	48	16	digital	digital	ADJ
easat-10813	48	17	channels	channel	NOUN
easat-10813	48	18	for	for	ADP
easat-10813	48	19	customer	customer	NOUN
easat-10813	48	20	acquisition	acquisition	NOUN
easat-10813	48	21	and	and	CCONJ
easat-10813	48	22	retention	retention	NOUN
easat-10813	48	23	.	.	PUNCT
easat-10813	49	1	while	while	SCONJ
easat-10813	49	2	insurers	insurer	NOUN
easat-10813	49	3	globally	globally	ADV
easat-10813	49	4	harness	harness	ADJ
easat-10813	49	5	social	social	ADJ
easat-10813	49	6	media	medium	NOUN
easat-10813	49	7	for	for	ADP
easat-10813	49	8	consumer	consumer	NOUN
easat-10813	49	9	engagement	engagement	NOUN
easat-10813	49	10	,	,	PUNCT
easat-10813	49	11	south	south	ADJ
easat-10813	49	12	african	african	ADJ
easat-10813	49	13	firms	firm	NOUN
easat-10813	49	14	still	still	ADV
easat-10813	49	15	struggle	struggle	VERB
easat-10813	49	16	to	to	PART
easat-10813	49	17	systematically	systematically	ADV
easat-10813	49	18	integrate	integrate	VERB
easat-10813	49	19	these	these	DET
easat-10813	49	20	tools	tool	NOUN
easat-10813	49	21	into	into	ADP
easat-10813	49	22	their	their	PRON
easat-10813	49	23	promotion	promotion	NOUN
easat-10813	49	24	mix	mix	NOUN
easat-10813	49	25	to	to	PART
easat-10813	49	26	influence	influence	NOUN
easat-10813	49	27	purchase	purchase	NOUN
easat-10813	49	28	decisions	decision	NOUN
easat-10813	49	29	effectively	effectively	ADV
easat-10813	49	30	.	.	PUNCT
easat-10813	50	1	despite	despite	SCONJ
easat-10813	50	2	the	the	DET
easat-10813	50	3	increasing	increase	VERB
easat-10813	50	4	digitalization	digitalization	NOUN
easat-10813	50	5	of	of	ADP
easat-10813	50	6	financial	financial	ADJ
easat-10813	50	7	services	service	NOUN
easat-10813	50	8	in	in	ADP
easat-10813	50	9	south	south	PROPN
easat-10813	50	10	africa	africa	PROPN
easat-10813	50	11	,	,	PUNCT
easat-10813	50	12	the	the	DET
easat-10813	50	13	adoption	adoption	NOUN
easat-10813	50	14	of	of	ADP
easat-10813	50	15	online	online	ADJ
easat-10813	50	16	car	car	NOUN
easat-10813	50	17	insurance	insurance	NOUN
easat-10813	50	18	platforms	platform	NOUN
easat-10813	50	19	remains	remain	VERB
easat-10813	50	20	inconsistent	inconsistent	ADJ
easat-10813	50	21	,	,	PUNCT
easat-10813	50	22	especially	especially	ADV
easat-10813	50	23	in	in	ADP
easat-10813	50	24	semi	semi	ADJ
easat-10813	50	25	-	-	ADJ
easat-10813	50	26	urban	urban	ADJ
easat-10813	50	27	and	and	CCONJ
easat-10813	50	28	regional	regional	ADJ
easat-10813	50	29	areas	area	NOUN
easat-10813	50	30	such	such	ADJ
easat-10813	50	31	as	as	ADP
easat-10813	50	32	mafikeng	mafikeng	NOUN
easat-10813	50	33	.	.	PUNCT
easat-10813	51	1	while	while	SCONJ
easat-10813	51	2	digital	digital	ADJ
easat-10813	51	3	access	access	NOUN
easat-10813	51	4	has	have	AUX
easat-10813	51	5	grown	grow	VERB
easat-10813	51	6	,	,	PUNCT
easat-10813	51	7	many	many	ADJ
easat-10813	51	8	car	car	NOUN
easat-10813	51	9	owners	owner	NOUN
easat-10813	51	10	still	still	ADV
easat-10813	51	11	depend	depend	VERB
easat-10813	51	12	on	on	ADP
easat-10813	51	13	traditional	traditional	ADJ
easat-10813	51	14	,	,	PUNCT
easat-10813	51	15	in	in	ADP
easat-10813	51	16	-	-	PUNCT
easat-10813	51	17	person	person	NOUN
easat-10813	51	18	insurance	insurance	NOUN
easat-10813	51	19	162	162	NUM
easat-10813	51	20	edelweiss	edelweiss	PROPN
easat-10813	51	21	applied	apply	VERB
easat-10813	51	22	science	science	NOUN
easat-10813	51	23	and	and	CCONJ
easat-10813	51	24	technology	technology	NOUN
easat-10813	51	25	issn	issn	PROPN
easat-10813	51	26	:	:	PUNCT
easat-10813	51	27	2576	2576	NUM
easat-10813	51	28	-	-	SYM
easat-10813	51	29	8484	8484	NUM
easat-10813	51	30	vol	vol	NOUN
easat-10813	51	31	.	.	PROPN
easat-10813	52	1	9	9	NUM
easat-10813	52	2	,	,	PUNCT
easat-10813	52	3	no	no	INTJ
easat-10813	52	4	.	.	NOUN
easat-10813	52	5	11	11	NUM
easat-10813	52	6	:	:	PUNCT
easat-10813	52	7	160	160	NUM
easat-10813	52	8	-	-	SYM
easat-10813	52	9	172	172	NUM
easat-10813	52	10	,	,	PUNCT
easat-10813	52	11	2025	2025	NUM
easat-10813	52	12	doi	doi	NOUN
easat-10813	52	13	:	:	PUNCT
easat-10813	52	14	10.55214/2576	10.55214/2576	NUM
easat-10813	52	15	-	-	SYM
easat-10813	52	16	8484.v9i11.10813	8484.v9i11.10813	NUM
easat-10813	53	1	©	©	ADP
easat-10813	53	2	2025	2025	NUM
easat-10813	53	3	by	by	ADP
easat-10813	53	4	the	the	DET
easat-10813	53	5	authors	author	NOUN
easat-10813	53	6	;	;	PUNCT
easat-10813	53	7	licensee	licensee	PROPN
easat-10813	53	8	learning	learn	VERB
easat-10813	53	9	gate	gate	NOUN
easat-10813	53	10	methods	method	NOUN
easat-10813	53	11	or	or	CCONJ
easat-10813	53	12	remain	remain	VERB
easat-10813	53	13	uninsured	uninsured	ADJ
easat-10813	53	14	altogether	altogether	ADV
easat-10813	53	15	.	.	PUNCT
easat-10813	54	1	according	accord	VERB
easat-10813	54	2	to	to	ADP
easat-10813	54	3	khumalo	khumalo	PROPN
easat-10813	54	4	[	[	X
easat-10813	54	5	17	17	NUM
easat-10813	54	6	]	]	PUNCT
easat-10813	54	7	,	,	PUNCT
easat-10813	54	8	over	over	ADP
easat-10813	54	9	25	25	NUM
easat-10813	54	10	%	%	NOUN
easat-10813	54	11	of	of	ADP
easat-10813	54	12	south	south	PROPN
easat-10813	54	13	africans	africans	PROPN
easat-10813	54	14	admitted	admit	VERB
easat-10813	54	15	to	to	ADP
easat-10813	54	16	driving	drive	VERB
easat-10813	54	17	without	without	ADP
easat-10813	54	18	insurance	insurance	NOUN
easat-10813	54	19	,	,	PUNCT
easat-10813	54	20	citing	cite	VERB
easat-10813	54	21	affordability	affordability	NOUN
easat-10813	54	22	and	and	CCONJ
easat-10813	54	23	lack	lack	NOUN
easat-10813	54	24	of	of	ADP
easat-10813	54	25	trust	trust	NOUN
easat-10813	54	26	in	in	ADP
easat-10813	54	27	online	online	ADJ
easat-10813	54	28	systems	system	NOUN
easat-10813	54	29	as	as	ADP
easat-10813	54	30	key	key	ADJ
easat-10813	54	31	barriers	barrier	NOUN
easat-10813	54	32	.	.	PUNCT
easat-10813	55	1	this	this	DET
easat-10813	55	2	gap	gap	NOUN
easat-10813	55	3	is	be	AUX
easat-10813	55	4	more	more	ADV
easat-10813	55	5	evident	evident	ADJ
easat-10813	55	6	in	in	ADP
easat-10813	55	7	areas	area	NOUN
easat-10813	55	8	like	like	ADP
easat-10813	55	9	mafikeng	mafikeng	NOUN
easat-10813	55	10	,	,	PUNCT
easat-10813	55	11	where	where	SCONJ
easat-10813	55	12	income	income	NOUN
easat-10813	55	13	differences	difference	NOUN
easat-10813	55	14	,	,	PUNCT
easat-10813	55	15	limited	limited	ADJ
easat-10813	55	16	digital	digital	ADJ
easat-10813	55	17	literacy	literacy	NOUN
easat-10813	55	18	,	,	PUNCT
easat-10813	55	19	and	and	CCONJ
easat-10813	55	20	concerns	concern	NOUN
easat-10813	55	21	about	about	ADP
easat-10813	55	22	online	online	ADJ
easat-10813	55	23	fraud	fraud	NOUN
easat-10813	55	24	can	can	AUX
easat-10813	55	25	prevent	prevent	VERB
easat-10813	55	26	full	full	ADJ
easat-10813	55	27	participation	participation	NOUN
easat-10813	55	28	in	in	ADP
easat-10813	55	29	digital	digital	ADJ
easat-10813	55	30	insurance	insurance	NOUN
easat-10813	55	31	markets	market	NOUN
easat-10813	55	32	.	.	PUNCT
easat-10813	56	1	recent	recent	ADJ
easat-10813	56	2	data	datum	NOUN
easat-10813	56	3	underscores	underscore	VERB
easat-10813	56	4	the	the	DET
easat-10813	56	5	severity	severity	NOUN
easat-10813	56	6	of	of	ADP
easat-10813	56	7	underinsurance	underinsurance	NOUN
easat-10813	56	8	:	:	PUNCT
easat-10813	56	9	the	the	DET
easat-10813	56	10	automobile	automobile	NOUN
easat-10813	56	11	association	association	NOUN
easat-10813	56	12	of	of	ADP
easat-10813	56	13	south	south	PROPN
easat-10813	56	14	africa	africa	PROPN
easat-10813	56	15	[	[	X
easat-10813	56	16	18	18	NUM
easat-10813	56	17	]	]	PUNCT
easat-10813	56	18	estimates	estimate	NOUN
easat-10813	56	19	indicate	indicate	VERB
easat-10813	56	20	that	that	SCONJ
easat-10813	56	21	between	between	ADP
easat-10813	56	22	60	60	NUM
easat-10813	56	23	and	and	CCONJ
easat-10813	56	24	70	70	NUM
easat-10813	56	25	percent	percent	NOUN
easat-10813	56	26	of	of	ADP
easat-10813	56	27	vehicles	vehicle	NOUN
easat-10813	56	28	are	be	AUX
easat-10813	56	29	uninsured	uninsured	ADJ
easat-10813	56	30	,	,	PUNCT
easat-10813	56	31	translating	translate	VERB
easat-10813	56	32	to	to	ADP
easat-10813	56	33	12	12	NUM
easat-10813	56	34	to	to	PART
easat-10813	56	35	15	15	NUM
easat-10813	56	36	million	million	NUM
easat-10813	56	37	uninsured	uninsured	ADJ
easat-10813	56	38	cars	car	NOUN
easat-10813	56	39	on	on	ADP
easat-10813	56	40	the	the	DET
easat-10813	56	41	roads	road	NOUN
easat-10813	56	42	.	.	PUNCT
easat-10813	57	1	the	the	DET
easat-10813	57	2	south	south	ADJ
easat-10813	57	3	african	african	ADJ
easat-10813	57	4	insurance	insurance	PROPN
easat-10813	57	5	crime	crime	PROPN
easat-10813	57	6	bureau	bureau	PROPN
easat-10813	57	7	(	(	PUNCT
easat-10813	57	8	saicb	saicb	PROPN
easat-10813	57	9	)	)	PUNCT
easat-10813	58	1	[	[	X
easat-10813	58	2	19	19	NUM
easat-10813	58	3	]	]	ADJ
easat-10813	58	4	links	link	NOUN
easat-10813	58	5	this	this	PRON
easat-10813	58	6	directly	directly	ADV
easat-10813	58	7	to	to	ADP
easat-10813	58	8	rising	rise	VERB
easat-10813	58	9	premium	premium	ADJ
easat-10813	58	10	evasion	evasion	NOUN
easat-10813	58	11	and	and	CCONJ
easat-10813	58	12	"	"	PUNCT
easat-10813	58	13	ghost	ghost	NOUN
easat-10813	58	14	broking	broking	NOUN
easat-10813	58	15	"	"	PUNCT
easat-10813	58	16	fraud	fraud	NOUN
easat-10813	58	17	.	.	PUNCT
easat-10813	59	1	economic	economic	ADJ
easat-10813	59	2	pressures	pressure	NOUN
easat-10813	59	3	,	,	PUNCT
easat-10813	59	4	including	include	VERB
easat-10813	59	5	inflation	inflation	NOUN
easat-10813	59	6	(	(	PUNCT
easat-10813	59	7	5.3	5.3	NUM
easat-10813	59	8	%	%	NOUN
easat-10813	59	9	)	)	PUNCT
easat-10813	59	10	,	,	PUNCT
easat-10813	59	11	high	high	ADJ
easat-10813	59	12	unemployment	unemployment	NOUN
easat-10813	59	13	(	(	PUNCT
easat-10813	59	14	32.9	32.9	NUM
easat-10813	59	15	%	%	NOUN
easat-10813	59	16	)	)	PUNCT
easat-10813	59	17	,	,	PUNCT
easat-10813	59	18	and	and	CCONJ
easat-10813	59	19	fuel	fuel	NOUN
easat-10813	59	20	price	price	NOUN
easat-10813	59	21	volatility	volatility	NOUN
easat-10813	59	22	,	,	PUNCT
easat-10813	59	23	exacerbate	exacerbate	VERB
easat-10813	59	24	affordability	affordability	NOUN
easat-10813	59	25	challenges	challenge	NOUN
easat-10813	59	26	[	[	X
easat-10813	59	27	20	20	NUM
easat-10813	59	28	]	]	PUNCT
easat-10813	59	29	.	.	PUNCT
easat-10813	60	1	consumers	consumer	NOUN
easat-10813	60	2	increasingly	increasingly	ADV
easat-10813	60	3	perceive	perceive	VERB
easat-10813	60	4	insurance	insurance	NOUN
easat-10813	60	5	as	as	ADP
easat-10813	60	6	discretionary	discretionary	ADJ
easat-10813	60	7	,	,	PUNCT
easat-10813	60	8	citing	cite	VERB
easat-10813	60	9	cost	cost	NOUN
easat-10813	60	10	,	,	PUNCT
easat-10813	60	11	distrust	distrust	NOUN
easat-10813	60	12	in	in	ADP
easat-10813	60	13	claims	claim	NOUN
easat-10813	60	14	processes	process	NOUN
easat-10813	60	15	,	,	PUNCT
easat-10813	60	16	and	and	CCONJ
easat-10813	60	17	a	a	DET
easat-10813	60	18	belief	belief	NOUN
easat-10813	60	19	that	that	SCONJ
easat-10813	60	20	accidents	accident	NOUN
easat-10813	60	21	are	be	AUX
easat-10813	60	22	unlikely	unlikely	ADJ
easat-10813	60	23	[	[	X
easat-10813	60	24	21	21	NUM
easat-10813	60	25	]	]	PUNCT
easat-10813	60	26	.	.	PUNCT
easat-10813	61	1	additionally	additionally	ADV
easat-10813	61	2	,	,	PUNCT
easat-10813	61	3	recent	recent	ADJ
easat-10813	61	4	studies	study	NOUN
easat-10813	61	5	also	also	ADV
easat-10813	61	6	reveal	reveal	VERB
easat-10813	61	7	that	that	SCONJ
easat-10813	61	8	while	while	SCONJ
easat-10813	61	9	urban	urban	ADJ
easat-10813	61	10	consumers	consumer	NOUN
easat-10813	61	11	increasingly	increasingly	ADV
easat-10813	61	12	use	use	VERB
easat-10813	61	13	comparison	comparison	NOUN
easat-10813	61	14	websites	website	NOUN
easat-10813	61	15	,	,	PUNCT
easat-10813	61	16	mobile	mobile	ADJ
easat-10813	61	17	apps	app	NOUN
easat-10813	61	18	,	,	PUNCT
easat-10813	61	19	and	and	CCONJ
easat-10813	61	20	ai	ai	AUX
easat-10813	61	21	-	-	PUNCT
easat-10813	61	22	powered	powered	ADJ
easat-10813	61	23	quoting	quoting	NOUN
easat-10813	61	24	tools	tool	NOUN
easat-10813	61	25	,	,	PUNCT
easat-10813	61	26	regional	regional	ADJ
easat-10813	61	27	car	car	NOUN
easat-10813	61	28	owners	owner	NOUN
easat-10813	61	29	are	be	AUX
easat-10813	61	30	less	less	ADV
easat-10813	61	31	engaged	engaged	ADJ
easat-10813	61	32	with	with	ADP
easat-10813	61	33	these	these	DET
easat-10813	61	34	innovations	innovation	NOUN
easat-10813	61	35	.	.	PUNCT
easat-10813	62	1	according	accord	VERB
easat-10813	62	2	to	to	ADP
easat-10813	62	3	mupangavanhu	mupangavanhu	PROPN
easat-10813	62	4	and	and	CCONJ
easat-10813	62	5	kerchhoff	kerchhoff	VERB
easat-10813	62	6	[	[	X
easat-10813	62	7	22	22	NUM
easat-10813	62	8	]	]	PUNCT
easat-10813	62	9	noted	note	VERB
easat-10813	62	10	that	that	SCONJ
easat-10813	62	11	95	95	NUM
easat-10813	62	12	%	%	NOUN
easat-10813	62	13	of	of	ADP
easat-10813	62	14	consumers	consumer	NOUN
easat-10813	62	15	in	in	ADP
easat-10813	62	16	south	south	PROPN
easat-10813	62	17	africa	africa	PROPN
easat-10813	62	18	check	check	VERB
easat-10813	62	19	online	online	ADJ
easat-10813	62	20	reviews	review	NOUN
easat-10813	62	21	before	before	ADP
easat-10813	62	22	making	make	VERB
easat-10813	62	23	an	an	DET
easat-10813	62	24	insurance	insurance	NOUN
easat-10813	62	25	purchase	purchase	NOUN
easat-10813	62	26	,	,	PUNCT
easat-10813	62	27	indicating	indicate	VERB
easat-10813	62	28	a	a	DET
easat-10813	62	29	shift	shift	NOUN
easat-10813	62	30	toward	toward	ADP
easat-10813	62	31	digitally	digitally	ADV
easat-10813	62	32	influenced	influence	VERB
easat-10813	62	33	decision	decision	NOUN
easat-10813	62	34	-	-	PUNCT
easat-10813	62	35	making	making	NOUN
easat-10813	62	36	.	.	PUNCT
easat-10813	63	1	however	however	ADV
easat-10813	63	2	,	,	PUNCT
easat-10813	63	3	the	the	DET
easat-10813	63	4	extent	extent	NOUN
easat-10813	63	5	to	to	PART
easat-10813	63	6	which	which	PRON
easat-10813	63	7	this	this	DET
easat-10813	63	8	behavior	behavior	NOUN
easat-10813	63	9	applies	apply	VERB
easat-10813	63	10	in	in	ADP
easat-10813	63	11	mafikeng	mafikeng	NOUN
easat-10813	63	12	is	be	AUX
easat-10813	63	13	unclear	unclear	ADJ
easat-10813	63	14	,	,	PUNCT
easat-10813	63	15	particularly	particularly	ADV
easat-10813	63	16	given	give	VERB
easat-10813	63	17	variations	variation	NOUN
easat-10813	63	18	in	in	ADP
easat-10813	63	19	internet	internet	NOUN
easat-10813	63	20	access	access	NOUN
easat-10813	63	21	,	,	PUNCT
easat-10813	63	22	technology	technology	NOUN
easat-10813	63	23	adoption	adoption	NOUN
easat-10813	63	24	,	,	PUNCT
easat-10813	63	25	and	and	CCONJ
easat-10813	63	26	trust	trust	NOUN
easat-10813	63	27	in	in	ADP
easat-10813	63	28	online	online	ADJ
easat-10813	63	29	platforms	platform	NOUN
easat-10813	63	30	.	.	PUNCT
easat-10813	64	1	furthermore	furthermore	ADV
easat-10813	64	2	,	,	PUNCT
easat-10813	64	3	affordability	affordability	NOUN
easat-10813	64	4	remains	remain	VERB
easat-10813	64	5	a	a	DET
easat-10813	64	6	persistent	persistent	ADJ
easat-10813	64	7	issue	issue	NOUN
easat-10813	64	8	,	,	PUNCT
easat-10813	64	9	with	with	ADP
easat-10813	64	10	many	many	ADJ
easat-10813	64	11	car	car	NOUN
easat-10813	64	12	owners	owner	NOUN
easat-10813	64	13	opting	opt	VERB
easat-10813	64	14	out	out	ADP
easat-10813	64	15	of	of	ADP
easat-10813	64	16	insurance	insurance	NOUN
easat-10813	64	17	entirely	entirely	ADV
easat-10813	64	18	due	due	ADJ
easat-10813	64	19	to	to	ADP
easat-10813	64	20	high	high	ADJ
easat-10813	64	21	premiums	premium	NOUN
easat-10813	64	22	[	[	X
easat-10813	64	23	23	23	NUM
easat-10813	64	24	]	]	PUNCT
easat-10813	64	25	.	.	PUNCT
easat-10813	65	1	simultaneously	simultaneously	ADV
easat-10813	65	2	,	,	PUNCT
easat-10813	65	3	digital	digital	ADJ
easat-10813	65	4	engagement	engagement	NOUN
easat-10813	65	5	has	have	AUX
easat-10813	65	6	surged	surge	VERB
easat-10813	65	7	:	:	PUNCT
easat-10813	65	8	43.5	43.5	NUM
easat-10813	65	9	million	million	NUM
easat-10813	65	10	south	south	ADJ
easat-10813	65	11	africans	africans	PROPN
easat-10813	65	12	actively	actively	ADV
easat-10813	65	13	use	use	VERB
easat-10813	65	14	social	social	ADJ
easat-10813	65	15	media	medium	NOUN
easat-10813	65	16	[	[	X
easat-10813	65	17	24	24	NUM
easat-10813	65	18	]	]	PUNCT
easat-10813	65	19	with	with	ADP
easat-10813	65	20	platforms	platform	NOUN
easat-10813	65	21	like	like	ADP
easat-10813	65	22	tiktok	tiktok	NOUN
easat-10813	65	23	and	and	CCONJ
easat-10813	65	24	instagram	instagram	PROPN
easat-10813	65	25	reels	reel	NOUN
easat-10813	65	26	driving	drive	VERB
easat-10813	65	27	youth	youth	NOUN
easat-10813	65	28	consumption	consumption	NOUN
easat-10813	65	29	habits	habit	NOUN
easat-10813	65	30	.	.	PUNCT
easat-10813	66	1	insurtech	insurtech	PROPN
easat-10813	66	2	adoption	adoption	NOUN
easat-10813	66	3	is	be	AUX
easat-10813	66	4	accelerating	accelerate	VERB
easat-10813	66	5	,	,	PUNCT
easat-10813	66	6	yet	yet	CCONJ
easat-10813	66	7	insurers	insurer	NOUN
easat-10813	66	8	’	'	PUNCT
easat-10813	66	9	social	social	ADJ
easat-10813	66	10	media	medium	NOUN
easat-10813	66	11	strategies	strategy	NOUN
easat-10813	66	12	often	often	ADV
easat-10813	66	13	remain	remain	VERB
easat-10813	66	14	siloed	siloed	ADJ
easat-10813	66	15	in	in	ADP
easat-10813	66	16	brand	brand	NOUN
easat-10813	66	17	awareness	awareness	NOUN
easat-10813	66	18	rather	rather	ADV
easat-10813	66	19	than	than	ADP
easat-10813	66	20	integrated	integrate	VERB
easat-10813	66	21	into	into	ADP
easat-10813	66	22	the	the	DET
easat-10813	66	23	promotion	promotion	NOUN
easat-10813	66	24	mix	mix	NOUN
easat-10813	66	25	for	for	ADP
easat-10813	66	26	conversion	conversion	NOUN
easat-10813	66	27	.	.	PUNCT
easat-10813	67	1	in	in	ADP
easat-10813	67	2	mahikeng	mahikeng	PROPN
easat-10813	67	3	,	,	PUNCT
easat-10813	67	4	a	a	DET
easat-10813	67	5	growing	grow	VERB
easat-10813	67	6	administrative	administrative	ADJ
easat-10813	67	7	and	and	CCONJ
easat-10813	67	8	academic	academic	ADJ
easat-10813	67	9	hub	hub	NOUN
easat-10813	67	10	,	,	PUNCT
easat-10813	67	11	digital	digital	ADJ
easat-10813	67	12	literacy	literacy	NOUN
easat-10813	67	13	is	be	AUX
easat-10813	67	14	rising	rise	VERB
easat-10813	67	15	,	,	PUNCT
easat-10813	67	16	but	but	CCONJ
easat-10813	67	17	localized	localized	ADJ
easat-10813	67	18	data	datum	NOUN
easat-10813	67	19	on	on	ADP
easat-10813	67	20	insurance	insurance	NOUN
easat-10813	67	21	uptake	uptake	ADJ
easat-10813	67	22	remains	remain	VERB
easat-10813	67	23	sparse	sparse	ADJ
easat-10813	67	24	.	.	PUNCT
easat-10813	68	1	electronic	electronic	ADJ
easat-10813	68	2	national	national	PROPN
easat-10813	68	3	administration	administration	PROPN
easat-10813	68	4	traffic	traffic	NOUN
easat-10813	68	5	information	information	NOUN
easat-10813	68	6	system	system	NOUN
easat-10813	68	7	(	(	PUNCT
easat-10813	68	8	enatis	enatis	PROPN
easat-10813	68	9	)	)	PUNCT
easat-10813	69	1	[	[	X
easat-10813	69	2	25	25	NUM
easat-10813	69	3	]	]	PUNCT
easat-10813	69	4	reports	report	VERB
easat-10813	69	5	approximately	approximately	ADV
easat-10813	69	6	48,000	48,000	NUM
easat-10813	69	7	licensed	licensed	ADJ
easat-10813	69	8	vehicles	vehicle	NOUN
easat-10813	69	9	in	in	ADP
easat-10813	69	10	the	the	DET
easat-10813	69	11	municipality	municipality	NOUN
easat-10813	69	12	,	,	PUNCT
easat-10813	69	13	yet	yet	CCONJ
easat-10813	69	14	industry	industry	NOUN
easat-10813	69	15	estimates	estimate	NOUN
easat-10813	69	16	suggest	suggest	VERB
easat-10813	69	17	more	more	ADJ
easat-10813	69	18	than	than	ADP
easat-10813	69	19	60	60	NUM
easat-10813	69	20	percent	percent	NOUN
easat-10813	69	21	lack	lack	NOUN
easat-10813	69	22	adequate	adequate	ADJ
easat-10813	69	23	coverage	coverage	NOUN
easat-10813	69	24	.	.	PUNCT
easat-10813	70	1	despite	despite	SCONJ
easat-10813	70	2	the	the	DET
easat-10813	70	3	potential	potential	NOUN
easat-10813	70	4	of	of	ADP
easat-10813	70	5	social	social	ADJ
easat-10813	70	6	media	medium	NOUN
easat-10813	70	7	to	to	PART
easat-10813	70	8	educate	educate	VERB
easat-10813	70	9	consumers	consumer	NOUN
easat-10813	70	10	,	,	PUNCT
easat-10813	70	11	build	build	VERB
easat-10813	70	12	trust	trust	NOUN
easat-10813	70	13	,	,	PUNCT
easat-10813	70	14	and	and	CCONJ
easat-10813	70	15	personalize	personalize	VERB
easat-10813	70	16	offerings	offering	NOUN
easat-10813	70	17	,	,	PUNCT
easat-10813	70	18	insurers	insurer	NOUN
easat-10813	70	19	lack	lack	VERB
easat-10813	70	20	empirical	empirical	ADJ
easat-10813	70	21	evidence	evidence	NOUN
easat-10813	70	22	on	on	ADP
easat-10813	70	23	which	which	PRON
easat-10813	70	24	social	social	ADJ
easat-10813	70	25	media	medium	NOUN
easat-10813	70	26	promotion	promotion	NOUN
easat-10813	70	27	elements	element	NOUN
easat-10813	70	28	(	(	PUNCT
easat-10813	70	29	content	content	NOUN
easat-10813	70	30	virality	virality	NOUN
easat-10813	70	31	,	,	PUNCT
easat-10813	70	32	influencer	influencer	NOUN
easat-10813	70	33	credibility	credibility	NOUN
easat-10813	70	34	,	,	PUNCT
easat-10813	70	35	real	real	ADJ
easat-10813	70	36	-	-	PUNCT
easat-10813	70	37	time	time	NOUN
easat-10813	70	38	engagement	engagement	NOUN
easat-10813	70	39	,	,	PUNCT
easat-10813	70	40	targeted	target	VERB
easat-10813	70	41	ads	ad	NOUN
easat-10813	70	42	)	)	PUNCT
easat-10813	70	43	most	most	ADV
easat-10813	70	44	effectively	effectively	ADV
easat-10813	70	45	drive	drive	VERB
easat-10813	70	46	car	car	NOUN
easat-10813	70	47	insurance	insurance	NOUN
easat-10813	70	48	decisions	decision	NOUN
easat-10813	70	49	in	in	ADP
easat-10813	70	50	costsensitive	costsensitive	ADJ
easat-10813	70	51	markets	market	NOUN
easat-10813	70	52	like	like	ADP
easat-10813	70	53	mahikeng	mahikeng	PROPN
easat-10813	70	54	.	.	PUNCT
easat-10813	71	1	thus	thus	ADV
easat-10813	71	2	,	,	PUNCT
easat-10813	71	3	this	this	DET
easat-10813	71	4	research	research	NOUN
easat-10813	71	5	seeks	seek	VERB
easat-10813	71	6	to	to	PART
easat-10813	71	7	examine	examine	VERB
easat-10813	71	8	how	how	SCONJ
easat-10813	71	9	an	an	DET
easat-10813	71	10	integrated	integrated	ADJ
easat-10813	71	11	social	social	ADJ
easat-10813	71	12	media	medium	NOUN
easat-10813	71	13	promotion	promotion	NOUN
easat-10813	71	14	mix	mix	NOUN
easat-10813	71	15	affects	affect	VERB
easat-10813	71	16	consumer	consumer	NOUN
easat-10813	71	17	decision	decision	NOUN
easat-10813	71	18	-	-	PUNCT
easat-10813	71	19	making	making	NOUN
easat-10813	71	20	for	for	ADP
easat-10813	71	21	short	short	ADJ
easat-10813	71	22	-	-	PUNCT
easat-10813	71	23	term	term	NOUN
easat-10813	71	24	insurers	insurer	NOUN
easat-10813	71	25	in	in	ADP
easat-10813	71	26	mahikeng	mahikeng	PROPN
easat-10813	71	27	,	,	PUNCT
easat-10813	71	28	and	and	CCONJ
easat-10813	71	29	the	the	DET
easat-10813	71	30	findings	finding	NOUN
easat-10813	71	31	will	will	AUX
easat-10813	71	32	aid	aid	VERB
easat-10813	71	33	in	in	ADP
easat-10813	71	34	developing	develop	VERB
easat-10813	71	35	more	more	ADV
easat-10813	71	36	inclusive	inclusive	ADJ
easat-10813	71	37	,	,	PUNCT
easat-10813	71	38	regionally	regionally	ADV
easat-10813	71	39	aware	aware	ADJ
easat-10813	71	40	digital	digital	ADJ
easat-10813	71	41	insurance	insurance	NOUN
easat-10813	71	42	strategies	strategy	NOUN
easat-10813	71	43	.	.	PUNCT
easat-10813	72	1	3.1	3.1	NUM
easat-10813	72	2	.	.	PUNCT
easat-10813	73	1	the	the	DET
easat-10813	73	2	main	main	ADJ
easat-10813	73	3	objective	objective	NOUN
easat-10813	73	4	of	of	ADP
easat-10813	73	5	this	this	DET
easat-10813	73	6	study	study	NOUN
easat-10813	73	7	the	the	DET
easat-10813	73	8	main	main	ADJ
easat-10813	73	9	objective	objective	NOUN
easat-10813	73	10	of	of	ADP
easat-10813	73	11	this	this	DET
easat-10813	73	12	study	study	NOUN
easat-10813	73	13	is	be	AUX
easat-10813	73	14	to	to	PART
easat-10813	73	15	identify	identify	VERB
easat-10813	73	16	the	the	DET
easat-10813	73	17	key	key	ADJ
easat-10813	73	18	factors	factor	NOUN
easat-10813	73	19	that	that	PRON
easat-10813	73	20	influence	influence	VERB
easat-10813	73	21	online	online	ADJ
easat-10813	73	22	car	car	NOUN
easat-10813	73	23	insurance	insurance	NOUN
easat-10813	73	24	purchasing	purchasing	NOUN
easat-10813	73	25	decisions	decision	NOUN
easat-10813	73	26	among	among	ADP
easat-10813	73	27	car	car	NOUN
easat-10813	73	28	owners	owner	NOUN
easat-10813	73	29	in	in	ADP
easat-10813	73	30	mahikeng	mahikeng	PROPN
easat-10813	73	31	.	.	PUNCT
easat-10813	74	1	the	the	DET
easat-10813	74	2	research	research	NOUN
easat-10813	74	3	is	be	AUX
easat-10813	74	4	guided	guide	VERB
easat-10813	74	5	by	by	ADP
easat-10813	74	6	the	the	DET
easat-10813	74	7	following	follow	VERB
easat-10813	74	8	null	null	ADJ
easat-10813	74	9	hypotheses	hypothesis	NOUN
easat-10813	74	10	:	:	PUNCT
easat-10813	74	11	•	•	NUM
easat-10813	74	12	h01	h01	NOUN
easat-10813	74	13	:	:	PUNCT
easat-10813	74	14	there	there	PRON
easat-10813	74	15	is	be	VERB
easat-10813	74	16	no	no	DET
easat-10813	74	17	significant	significant	ADJ
easat-10813	74	18	relationship	relationship	NOUN
easat-10813	74	19	between	between	ADP
easat-10813	74	20	trust	trust	NOUN
easat-10813	74	21	and	and	CCONJ
easat-10813	74	22	online	online	ADJ
easat-10813	74	23	insurance	insurance	NOUN
easat-10813	74	24	purchasing	purchasing	NOUN
easat-10813	74	25	decisions	decision	NOUN
easat-10813	74	26	among	among	ADP
easat-10813	74	27	car	car	NOUN
easat-10813	74	28	owners	owner	NOUN
easat-10813	74	29	.	.	PUNCT
easat-10813	75	1	•	•	NUM
easat-10813	75	2	h02	h02	NOUN
easat-10813	75	3	:	:	PUNCT
easat-10813	75	4	service	service	NOUN
easat-10813	75	5	quality	quality	NOUN
easat-10813	75	6	does	do	AUX
easat-10813	75	7	not	not	PART
easat-10813	75	8	significantly	significantly	ADV
easat-10813	75	9	affect	affect	VERB
easat-10813	75	10	online	online	ADJ
easat-10813	75	11	insurance	insurance	NOUN
easat-10813	75	12	purchasing	purchasing	NOUN
easat-10813	75	13	decisions	decision	NOUN
easat-10813	75	14	.	.	PUNCT
easat-10813	76	1	•	•	NUM
easat-10813	76	2	h03	h03	NOUN
easat-10813	76	3	:	:	PUNCT
easat-10813	76	4	the	the	DET
easat-10813	76	5	social	social	ADJ
easat-10813	76	6	media	medium	NOUN
easat-10813	76	7	promotion	promotion	NOUN
easat-10813	76	8	mix	mix	NOUN
easat-10813	76	9	has	have	VERB
easat-10813	76	10	no	no	DET
easat-10813	76	11	significant	significant	ADJ
easat-10813	76	12	impact	impact	NOUN
easat-10813	76	13	on	on	ADP
easat-10813	76	14	the	the	DET
easat-10813	76	15	likelihood	likelihood	NOUN
easat-10813	76	16	of	of	ADP
easat-10813	76	17	purchasing	purchase	VERB
easat-10813	76	18	insurance	insurance	NOUN
easat-10813	76	19	online	online	NOUN
easat-10813	76	20	.	.	PUNCT
easat-10813	77	1	3.2	3.2	NUM
easat-10813	77	2	.	.	PUNCT
easat-10813	77	3	research	research	NOUN
easat-10813	77	4	gap	gap	NOUN
easat-10813	77	5	despite	despite	SCONJ
easat-10813	77	6	rising	rise	VERB
easat-10813	77	7	awareness	awareness	NOUN
easat-10813	77	8	of	of	ADP
easat-10813	77	9	south	south	PROPN
easat-10813	77	10	africa	africa	PROPN
easat-10813	77	11	’s	’s	PART
easat-10813	77	12	underinsurance	underinsurance	PROPN
easat-10813	77	13	crisis	crisis	NOUN
easat-10813	77	14	,	,	PUNCT
easat-10813	77	15	especially	especially	ADV
easat-10813	77	16	in	in	ADP
easat-10813	77	17	car	car	NOUN
easat-10813	77	18	insurance	insurance	NOUN
easat-10813	77	19	,	,	PUNCT
easat-10813	77	20	most	most	ADJ
easat-10813	77	21	research	research	NOUN
easat-10813	77	22	has	have	AUX
easat-10813	77	23	focused	focus	VERB
easat-10813	77	24	on	on	ADP
easat-10813	77	25	national	national	ADJ
easat-10813	77	26	trends	trend	NOUN
easat-10813	77	27	or	or	CCONJ
easat-10813	77	28	urban	urban	ADJ
easat-10813	77	29	centers	center	NOUN
easat-10813	77	30	,	,	PUNCT
easat-10813	77	31	leaving	leave	VERB
easat-10813	77	32	regional	regional	ADJ
easat-10813	77	33	hubs	hub	NOUN
easat-10813	77	34	like	like	ADP
easat-10813	77	35	mafikeng	mafikeng	PROPN
easat-10813	77	36	underexplored	underexplored	ADJ
easat-10813	77	37	.	.	PUNCT
easat-10813	78	1	the	the	DET
easat-10813	78	2	digital	digital	PROPN
easat-10813	78	3	divide	divide	NOUN
easat-10813	78	4	,	,	PUNCT
easat-10813	78	5	characterized	characterize	VERB
easat-10813	78	6	by	by	ADP
easat-10813	78	7	differences	difference	NOUN
easat-10813	78	8	in	in	ADP
easat-10813	78	9	affordability	affordability	NOUN
easat-10813	78	10	,	,	PUNCT
easat-10813	78	11	internet	internet	NOUN
easat-10813	78	12	access	access	NOUN
easat-10813	78	13	,	,	PUNCT
easat-10813	78	14	and	and	CCONJ
easat-10813	78	15	insurance	insurance	NOUN
easat-10813	78	16	literacy	literacy	NOUN
easat-10813	78	17	,	,	PUNCT
easat-10813	78	18	has	have	AUX
easat-10813	78	19	been	be	AUX
easat-10813	78	20	documented	document	VERB
easat-10813	78	21	,	,	PUNCT
easat-10813	78	22	yet	yet	CCONJ
easat-10813	78	23	there	there	PRON
easat-10813	78	24	is	be	VERB
easat-10813	78	25	a	a	DET
easat-10813	78	26	lack	lack	NOUN
easat-10813	78	27	of	of	ADP
easat-10813	78	28	localized	localized	ADJ
easat-10813	78	29	studies	study	NOUN
easat-10813	78	30	on	on	ADP
easat-10813	78	31	how	how	SCONJ
easat-10813	78	32	these	these	DET
easat-10813	78	33	structural	structural	ADJ
easat-10813	78	34	163	163	NUM
easat-10813	78	35	edelweiss	edelweiss	PROPN
easat-10813	78	36	applied	apply	VERB
easat-10813	78	37	science	science	NOUN
easat-10813	78	38	and	and	CCONJ
easat-10813	78	39	technology	technology	NOUN
easat-10813	78	40	issn	issn	PROPN
easat-10813	78	41	:	:	PUNCT
easat-10813	78	42	2576	2576	NUM
easat-10813	78	43	-	-	SYM
easat-10813	78	44	8484	8484	NUM
easat-10813	78	45	vol	vol	NOUN
easat-10813	78	46	.	.	PROPN
easat-10813	79	1	9	9	NUM
easat-10813	79	2	,	,	PUNCT
easat-10813	79	3	no	no	INTJ
easat-10813	79	4	.	.	NOUN
easat-10813	79	5	11	11	NUM
easat-10813	79	6	:	:	PUNCT
easat-10813	79	7	160	160	NUM
easat-10813	79	8	-	-	SYM
easat-10813	79	9	172	172	NUM
easat-10813	79	10	,	,	PUNCT
easat-10813	79	11	2025	2025	NUM
easat-10813	79	12	doi	doi	NOUN
easat-10813	79	13	:	:	PUNCT
easat-10813	79	14	10.55214/2576	10.55214/2576	NUM
easat-10813	79	15	-	-	SYM
easat-10813	79	16	8484.v9i11.10813	8484.v9i11.10813	NUM
easat-10813	80	1	©	©	ADP
easat-10813	80	2	2025	2025	NUM
easat-10813	80	3	by	by	ADP
easat-10813	80	4	the	the	DET
easat-10813	80	5	authors	author	NOUN
easat-10813	80	6	;	;	PUNCT
easat-10813	80	7	licensee	licensee	PROPN
easat-10813	80	8	learning	learn	VERB
easat-10813	80	9	gate	gate	NOUN
easat-10813	80	10	barriers	barrier	NOUN
easat-10813	80	11	influence	influence	VERB
easat-10813	80	12	online	online	ADJ
easat-10813	80	13	insurance	insurance	NOUN
easat-10813	80	14	adoption	adoption	NOUN
easat-10813	80	15	in	in	ADP
easat-10813	80	16	semi	semi	ADJ
easat-10813	80	17	-	-	ADJ
easat-10813	80	18	urban	urban	ADJ
easat-10813	80	19	areas	area	NOUN
easat-10813	80	20	.	.	PUNCT
easat-10813	81	1	additionally	additionally	ADV
easat-10813	81	2	,	,	PUNCT
easat-10813	81	3	most	most	ADJ
easat-10813	81	4	studies	study	NOUN
easat-10813	81	5	rely	rely	VERB
easat-10813	81	6	on	on	ADP
easat-10813	81	7	broad	broad	ADJ
easat-10813	81	8	consumer	consumer	NOUN
easat-10813	81	9	behavior	behavior	NOUN
easat-10813	81	10	models	model	NOUN
easat-10813	81	11	without	without	ADP
easat-10813	81	12	considering	consider	VERB
easat-10813	81	13	how	how	SCONJ
easat-10813	81	14	psychological	psychological	ADJ
easat-10813	81	15	and	and	CCONJ
easat-10813	81	16	promotional	promotional	ADJ
easat-10813	81	17	factors	factor	NOUN
easat-10813	81	18	interact	interact	VERB
easat-10813	81	19	in	in	ADP
easat-10813	81	20	smaller	small	ADJ
easat-10813	81	21	,	,	PUNCT
easat-10813	81	22	cost	cost	NOUN
easat-10813	81	23	-	-	PUNCT
easat-10813	81	24	sensitive	sensitive	ADJ
easat-10813	81	25	markets	market	NOUN
easat-10813	81	26	.	.	PUNCT
easat-10813	82	1	this	this	DET
easat-10813	82	2	gap	gap	NOUN
easat-10813	82	3	underscores	underscore	VERB
easat-10813	82	4	the	the	DET
easat-10813	82	5	need	need	NOUN
easat-10813	82	6	for	for	SCONJ
easat-10813	82	7	a	a	DET
easat-10813	82	8	targeted	targeted	ADJ
easat-10813	82	9	investigation	investigation	NOUN
easat-10813	82	10	into	into	ADP
easat-10813	82	11	the	the	DET
easat-10813	82	12	decision	decision	NOUN
easat-10813	82	13	-	-	PUNCT
easat-10813	82	14	making	make	VERB
easat-10813	82	15	processes	process	NOUN
easat-10813	82	16	of	of	ADP
easat-10813	82	17	mafikeng	mafikeng	NOUN
easat-10813	82	18	’s	’s	PART
easat-10813	82	19	car	car	NOUN
easat-10813	82	20	owners	owner	NOUN
easat-10813	82	21	to	to	PART
easat-10813	82	22	better	well	ADV
easat-10813	82	23	inform	inform	VERB
easat-10813	82	24	theory	theory	NOUN
easat-10813	82	25	and	and	CCONJ
easat-10813	82	26	marketing	marketing	NOUN
easat-10813	82	27	strategies	strategy	NOUN
easat-10813	82	28	in	in	ADP
easat-10813	82	29	the	the	DET
easat-10813	82	30	digital	digital	ADJ
easat-10813	82	31	insurance	insurance	NOUN
easat-10813	82	32	sector	sector	NOUN
easat-10813	82	33	.	.	PUNCT
easat-10813	83	1	3.3	3.3	NUM
easat-10813	83	2	.	.	PUNCT
easat-10813	83	3	significance	significance	NOUN
easat-10813	83	4	of	of	ADP
easat-10813	83	5	the	the	DET
easat-10813	83	6	study	study	NOUN
easat-10813	83	7	this	this	DET
easat-10813	83	8	study	study	NOUN
easat-10813	83	9	offers	offer	VERB
easat-10813	83	10	valuable	valuable	ADJ
easat-10813	83	11	insights	insight	NOUN
easat-10813	83	12	into	into	ADP
easat-10813	83	13	the	the	DET
easat-10813	83	14	behavioral	behavioral	ADJ
easat-10813	83	15	,	,	PUNCT
easat-10813	83	16	technological	technological	ADJ
easat-10813	83	17	,	,	PUNCT
easat-10813	83	18	and	and	CCONJ
easat-10813	83	19	promotional	promotional	ADJ
easat-10813	83	20	factors	factor	NOUN
easat-10813	83	21	that	that	PRON
easat-10813	83	22	influence	influence	VERB
easat-10813	83	23	online	online	ADJ
easat-10813	83	24	car	car	NOUN
easat-10813	83	25	insurance	insurance	NOUN
easat-10813	83	26	purchasing	purchasing	NOUN
easat-10813	83	27	decisions	decision	NOUN
easat-10813	83	28	in	in	ADP
easat-10813	83	29	mahikeng	mahikeng	PROPN
easat-10813	83	30	,	,	PUNCT
easat-10813	83	31	a	a	DET
easat-10813	83	32	setting	setting	NOUN
easat-10813	83	33	that	that	PRON
easat-10813	83	34	has	have	AUX
easat-10813	83	35	been	be	AUX
easat-10813	83	36	largely	largely	ADV
easat-10813	83	37	overlooked	overlook	VERB
easat-10813	83	38	in	in	ADP
easat-10813	83	39	existing	exist	VERB
easat-10813	83	40	research	research	NOUN
easat-10813	83	41	.	.	PUNCT
easat-10813	84	1	by	by	ADP
easat-10813	84	2	focusing	focus	VERB
easat-10813	84	3	on	on	ADP
easat-10813	84	4	key	key	ADJ
easat-10813	84	5	variables	variable	NOUN
easat-10813	84	6	such	such	ADJ
easat-10813	84	7	as	as	ADP
easat-10813	84	8	attitude	attitude	NOUN
easat-10813	84	9	,	,	PUNCT
easat-10813	84	10	service	service	NOUN
easat-10813	84	11	quality	quality	NOUN
easat-10813	84	12	,	,	PUNCT
easat-10813	84	13	perceived	perceive	VERB
easat-10813	84	14	trust	trust	NOUN
easat-10813	84	15	,	,	PUNCT
easat-10813	84	16	and	and	CCONJ
easat-10813	84	17	the	the	DET
easat-10813	84	18	social	social	ADJ
easat-10813	84	19	media	medium	NOUN
easat-10813	84	20	promotion	promotion	NOUN
easat-10813	84	21	mix	mix	NOUN
easat-10813	84	22	,	,	PUNCT
easat-10813	84	23	the	the	DET
easat-10813	84	24	study	study	NOUN
easat-10813	84	25	provides	provide	VERB
easat-10813	84	26	a	a	DET
easat-10813	84	27	localized	localized	ADJ
easat-10813	84	28	understanding	understanding	NOUN
easat-10813	84	29	of	of	ADP
easat-10813	84	30	what	what	PRON
easat-10813	84	31	drives	drive	VERB
easat-10813	84	32	or	or	CCONJ
easat-10813	84	33	hinders	hinder	VERB
easat-10813	84	34	digital	digital	ADJ
easat-10813	84	35	insurance	insurance	NOUN
easat-10813	84	36	adoption	adoption	NOUN
easat-10813	84	37	in	in	ADP
easat-10813	84	38	a	a	DET
easat-10813	84	39	semi	semi	ADJ
easat-10813	84	40	-	-	ADJ
easat-10813	84	41	urban	urban	ADJ
easat-10813	84	42	,	,	PUNCT
easat-10813	84	43	cost	cost	NOUN
easat-10813	84	44	-	-	PUNCT
easat-10813	84	45	sensitive	sensitive	ADJ
easat-10813	84	46	environment	environment	NOUN
easat-10813	84	47	.	.	PUNCT
easat-10813	85	1	this	this	PRON
easat-10813	85	2	is	be	AUX
easat-10813	85	3	especially	especially	ADV
easat-10813	85	4	relevant	relevant	ADJ
easat-10813	85	5	given	give	VERB
easat-10813	85	6	south	south	PROPN
easat-10813	85	7	africa	africa	PROPN
easat-10813	85	8	’s	’s	PART
easat-10813	85	9	high	high	ADJ
easat-10813	85	10	rate	rate	NOUN
easat-10813	85	11	of	of	ADP
easat-10813	85	12	uninsured	uninsured	ADJ
easat-10813	85	13	vehicles	vehicle	NOUN
easat-10813	85	14	,	,	PUNCT
easat-10813	85	15	where	where	SCONJ
easat-10813	85	16	national	national	ADJ
easat-10813	85	17	statistics	statistic	NOUN
easat-10813	85	18	indicate	indicate	VERB
easat-10813	85	19	that	that	SCONJ
easat-10813	85	20	up	up	ADP
easat-10813	85	21	to	to	PART
easat-10813	85	22	70	70	NUM
easat-10813	85	23	%	%	NOUN
easat-10813	85	24	of	of	ADP
easat-10813	85	25	cars	car	NOUN
easat-10813	85	26	may	may	AUX
easat-10813	85	27	be	be	AUX
easat-10813	85	28	uninsured	uninsured	ADJ
easat-10813	85	29	,	,	PUNCT
easat-10813	85	30	many	many	ADJ
easat-10813	85	31	of	of	ADP
easat-10813	85	32	which	which	PRON
easat-10813	85	33	are	be	AUX
easat-10813	85	34	in	in	ADP
easat-10813	85	35	smaller	small	ADJ
easat-10813	85	36	municipalities	municipality	NOUN
easat-10813	85	37	like	like	ADP
easat-10813	85	38	mahikeng	mahikeng	PROPN
easat-10813	85	39	.	.	PUNCT
easat-10813	86	1	practically	practically	ADV
easat-10813	86	2	,	,	PUNCT
easat-10813	86	3	the	the	DET
easat-10813	86	4	findings	finding	NOUN
easat-10813	86	5	can	can	AUX
easat-10813	86	6	help	help	VERB
easat-10813	86	7	insurance	insurance	NOUN
easat-10813	86	8	companies	company	NOUN
easat-10813	86	9	craft	craft	VERB
easat-10813	86	10	more	more	ADV
easat-10813	86	11	targeted	target	VERB
easat-10813	86	12	digital	digital	ADJ
easat-10813	86	13	marketing	marketing	NOUN
easat-10813	86	14	strategies	strategy	NOUN
easat-10813	86	15	that	that	PRON
easat-10813	86	16	go	go	VERB
easat-10813	86	17	beyond	beyond	ADP
easat-10813	86	18	brand	brand	NOUN
easat-10813	86	19	awareness	awareness	NOUN
easat-10813	86	20	and	and	CCONJ
easat-10813	86	21	emphasize	emphasize	VERB
easat-10813	86	22	conversion	conversion	NOUN
easat-10813	86	23	and	and	CCONJ
easat-10813	86	24	consumer	consumer	NOUN
easat-10813	86	25	trust	trust	NOUN
easat-10813	86	26	.	.	PUNCT
easat-10813	87	1	it	it	PRON
easat-10813	87	2	also	also	ADV
easat-10813	87	3	adds	add	VERB
easat-10813	87	4	to	to	ADP
easat-10813	87	5	academic	academic	ADJ
easat-10813	87	6	literature	literature	NOUN
easat-10813	87	7	by	by	ADP
easat-10813	87	8	applying	apply	VERB
easat-10813	87	9	and	and	CCONJ
easat-10813	87	10	validating	validate	VERB
easat-10813	87	11	the	the	DET
easat-10813	87	12	technology	technology	NOUN
easat-10813	87	13	acceptance	acceptance	NOUN
easat-10813	87	14	model	model	NOUN
easat-10813	87	15	(	(	PUNCT
easat-10813	87	16	tam	tam	PROPN
easat-10813	87	17	)	)	PUNCT
easat-10813	87	18	and	and	CCONJ
easat-10813	87	19	the	the	DET
easat-10813	87	20	theory	theory	NOUN
easat-10813	87	21	of	of	ADP
easat-10813	87	22	planned	plan	VERB
easat-10813	87	23	behavior	behavior	NOUN
easat-10813	87	24	(	(	PUNCT
easat-10813	87	25	tpb	tpb	NOUN
easat-10813	87	26	)	)	PUNCT
easat-10813	87	27	within	within	ADP
easat-10813	87	28	a	a	DET
easat-10813	87	29	specific	specific	ADJ
easat-10813	87	30	south	south	ADJ
easat-10813	87	31	african	african	ADJ
easat-10813	87	32	context	context	NOUN
easat-10813	87	33	,	,	PUNCT
easat-10813	87	34	filling	fill	VERB
easat-10813	87	35	a	a	DET
easat-10813	87	36	notable	notable	ADJ
easat-10813	87	37	gap	gap	NOUN
easat-10813	87	38	in	in	ADP
easat-10813	87	39	regional	regional	ADJ
easat-10813	87	40	consumer	consumer	NOUN
easat-10813	87	41	behavior	behavior	NOUN
easat-10813	87	42	research	research	NOUN
easat-10813	87	43	.	.	PUNCT
easat-10813	88	1	policymakers	policymaker	NOUN
easat-10813	88	2	can	can	AUX
easat-10813	88	3	also	also	ADV
easat-10813	88	4	use	use	VERB
easat-10813	88	5	the	the	DET
easat-10813	88	6	findings	finding	NOUN
easat-10813	88	7	to	to	PART
easat-10813	88	8	guide	guide	VERB
easat-10813	88	9	digital	digital	ADJ
easat-10813	88	10	financial	financial	ADJ
easat-10813	88	11	inclusion	inclusion	NOUN
easat-10813	88	12	efforts	effort	NOUN
easat-10813	88	13	,	,	PUNCT
easat-10813	88	14	while	while	SCONJ
easat-10813	88	15	local	local	ADJ
easat-10813	88	16	stakeholders	stakeholder	NOUN
easat-10813	88	17	,	,	PUNCT
easat-10813	88	18	including	include	VERB
easat-10813	88	19	municipalities	municipality	NOUN
easat-10813	88	20	and	and	CCONJ
easat-10813	88	21	ngos	ngo	NOUN
easat-10813	88	22	,	,	PUNCT
easat-10813	88	23	may	may	AUX
easat-10813	88	24	leverage	leverage	VERB
easat-10813	88	25	the	the	DET
easat-10813	88	26	insights	insight	NOUN
easat-10813	88	27	to	to	PART
easat-10813	88	28	raise	raise	VERB
easat-10813	88	29	awareness	awareness	NOUN
easat-10813	88	30	about	about	ADP
easat-10813	88	31	the	the	DET
easat-10813	88	32	value	value	NOUN
easat-10813	88	33	of	of	ADP
easat-10813	88	34	insurance	insurance	NOUN
easat-10813	88	35	and	and	CCONJ
easat-10813	88	36	improve	improve	VERB
easat-10813	88	37	digital	digital	ADJ
easat-10813	88	38	readiness	readiness	NOUN
easat-10813	88	39	among	among	ADP
easat-10813	88	40	residents	resident	NOUN
easat-10813	88	41	.	.	PUNCT
easat-10813	89	1	4	4	X
easat-10813	89	2	.	.	X
easat-10813	89	3	literature	literature	NOUN
easat-10813	89	4	review	review	VERB
easat-10813	89	5	this	this	DET
easat-10813	89	6	literature	literature	NOUN
easat-10813	89	7	review	review	NOUN
easat-10813	89	8	identifies	identify	VERB
easat-10813	89	9	independent	independent	ADJ
easat-10813	89	10	variables	variable	NOUN
easat-10813	89	11	within	within	ADP
easat-10813	89	12	the	the	DET
easat-10813	89	13	conceptual	conceptual	ADJ
easat-10813	89	14	framework	framework	NOUN
easat-10813	89	15	that	that	PRON
easat-10813	89	16	influence	influence	VERB
easat-10813	89	17	the	the	DET
easat-10813	89	18	intention	intention	NOUN
easat-10813	89	19	to	to	PART
easat-10813	89	20	purchase	purchase	VERB
easat-10813	89	21	car	car	NOUN
easat-10813	89	22	insurance	insurance	NOUN
easat-10813	89	23	online	online	ADV
easat-10813	89	24	.	.	PUNCT
easat-10813	90	1	these	these	DET
easat-10813	90	2	variables	variable	NOUN
easat-10813	90	3	,	,	PUNCT
easat-10813	90	4	drawn	draw	VERB
easat-10813	90	5	from	from	ADP
easat-10813	90	6	prior	prior	ADJ
easat-10813	90	7	studies	study	NOUN
easat-10813	90	8	,	,	PUNCT
easat-10813	90	9	include	include	VERB
easat-10813	90	10	factors	factor	NOUN
easat-10813	90	11	such	such	ADJ
easat-10813	90	12	as	as	ADP
easat-10813	90	13	trust	trust	NOUN
easat-10813	90	14	,	,	PUNCT
easat-10813	90	15	promotional	promotional	ADJ
easat-10813	90	16	mix	mix	NOUN
easat-10813	90	17	,	,	PUNCT
easat-10813	90	18	perceived	perceive	VERB
easat-10813	90	19	security	security	NOUN
easat-10813	90	20	,	,	PUNCT
easat-10813	90	21	perceived	perceive	VERB
easat-10813	90	22	tangibility	tangibility	NOUN
easat-10813	90	23	,	,	PUNCT
easat-10813	90	24	service	service	NOUN
easat-10813	90	25	quality	quality	NOUN
easat-10813	90	26	,	,	PUNCT
easat-10813	90	27	and	and	CCONJ
easat-10813	90	28	social	social	ADJ
easat-10813	90	29	media	medium	NOUN
easat-10813	90	30	platforms	platform	NOUN
easat-10813	90	31	.	.	PUNCT
easat-10813	91	1	the	the	DET
easat-10813	91	2	technology	technology	NOUN
easat-10813	91	3	acceptance	acceptance	NOUN
easat-10813	91	4	model	model	NOUN
easat-10813	91	5	(	(	PUNCT
easat-10813	91	6	tam	tam	NOUN
easat-10813	91	7	)	)	PUNCT
easat-10813	91	8	and	and	CCONJ
easat-10813	91	9	theory	theory	NOUN
easat-10813	91	10	of	of	ADP
easat-10813	91	11	planned	plan	VERB
easat-10813	91	12	behavior	behavior	NOUN
easat-10813	91	13	(	(	PUNCT
easat-10813	91	14	tpb	tpb	NOUN
easat-10813	91	15	)	)	PUNCT
easat-10813	91	16	are	be	AUX
easat-10813	91	17	grounded	ground	VERB
easat-10813	91	18	for	for	ADP
easat-10813	91	19	this	this	DET
easat-10813	91	20	study	study	NOUN
easat-10813	91	21	.	.	PUNCT
easat-10813	92	1	below	below	ADV
easat-10813	92	2	is	be	AUX
easat-10813	92	3	the	the	DET
easat-10813	92	4	explanation	explanation	NOUN
easat-10813	92	5	of	of	ADP
easat-10813	92	6	the	the	DET
easat-10813	92	7	independent	independent	ADJ
easat-10813	92	8	variables	variable	NOUN
easat-10813	92	9	within	within	ADP
easat-10813	92	10	the	the	DET
easat-10813	92	11	conceptual	conceptual	ADJ
easat-10813	92	12	framework	framework	NOUN
easat-10813	92	13	that	that	PRON
easat-10813	92	14	influence	influence	VERB
easat-10813	92	15	the	the	DET
easat-10813	92	16	intention	intention	NOUN
easat-10813	92	17	to	to	PART
easat-10813	92	18	purchase	purchase	VERB
easat-10813	92	19	car	car	NOUN
easat-10813	92	20	insurance	insurance	NOUN
easat-10813	92	21	online	online	ADV
easat-10813	92	22	:	:	PUNCT
easat-10813	92	23	4.1	4.1	NUM
easat-10813	92	24	.	.	PUNCT
easat-10813	92	25	trust	trust	NOUN
easat-10813	92	26	trust	trust	NOUN
easat-10813	92	27	is	be	AUX
easat-10813	92	28	a	a	DET
easat-10813	92	29	central	central	ADJ
easat-10813	92	30	factor	factor	NOUN
easat-10813	92	31	in	in	ADP
easat-10813	92	32	online	online	ADJ
easat-10813	92	33	purchasing	purchase	VERB
easat-10813	92	34	behavior	behavior	NOUN
easat-10813	92	35	,	,	PUNCT
easat-10813	92	36	especially	especially	ADV
easat-10813	92	37	for	for	ADP
easat-10813	92	38	intangible	intangible	ADJ
easat-10813	92	39	services	service	NOUN
easat-10813	92	40	like	like	ADP
easat-10813	92	41	car	car	NOUN
easat-10813	92	42	insurance	insurance	NOUN
easat-10813	92	43	.	.	PUNCT
easat-10813	93	1	in	in	ADP
easat-10813	93	2	digital	digital	ADJ
easat-10813	93	3	settings	setting	NOUN
easat-10813	93	4	,	,	PUNCT
easat-10813	93	5	where	where	SCONJ
easat-10813	93	6	face	face	NOUN
easat-10813	93	7	-	-	PUNCT
easat-10813	93	8	to	to	ADP
easat-10813	93	9	-	-	PUNCT
easat-10813	93	10	face	face	NOUN
easat-10813	93	11	interaction	interaction	NOUN
easat-10813	93	12	is	be	AUX
easat-10813	93	13	absent	absent	ADJ
easat-10813	93	14	,	,	PUNCT
easat-10813	93	15	trust	trust	NOUN
easat-10813	93	16	serves	serve	VERB
easat-10813	93	17	as	as	ADP
easat-10813	93	18	a	a	DET
easat-10813	93	19	substitute	substitute	NOUN
easat-10813	93	20	for	for	ADP
easat-10813	93	21	certainty	certainty	NOUN
easat-10813	93	22	and	and	CCONJ
easat-10813	93	23	reduces	reduce	VERB
easat-10813	93	24	perceived	perceive	VERB
easat-10813	93	25	risk	risk	NOUN
easat-10813	93	26	[	[	X
easat-10813	93	27	26	26	NUM
easat-10813	93	28	]	]	PUNCT
easat-10813	93	29	.	.	PUNCT
easat-10813	94	1	in	in	ADP
easat-10813	94	2	the	the	DET
easat-10813	94	3	theory	theory	NOUN
easat-10813	94	4	of	of	ADP
easat-10813	94	5	planned	plan	VERB
easat-10813	94	6	behavior	behavior	NOUN
easat-10813	94	7	(	(	PUNCT
easat-10813	94	8	tpb	tpb	NOUN
easat-10813	94	9	)	)	PUNCT
easat-10813	94	10	,	,	PUNCT
easat-10813	94	11	trust	trust	NOUN
easat-10813	94	12	enhances	enhance	VERB
easat-10813	94	13	both	both	DET
easat-10813	94	14	attitudes	attitude	NOUN
easat-10813	94	15	toward	toward	ADP
easat-10813	94	16	behavior	behavior	NOUN
easat-10813	94	17	and	and	CCONJ
easat-10813	94	18	perceived	perceive	VERB
easat-10813	94	19	behavioral	behavioral	ADJ
easat-10813	94	20	control	control	NOUN
easat-10813	94	21	,	,	PUNCT
easat-10813	94	22	which	which	PRON
easat-10813	94	23	in	in	ADP
easat-10813	94	24	turn	turn	NOUN
easat-10813	94	25	influence	influence	NOUN
easat-10813	94	26	intention	intention	NOUN
easat-10813	94	27	[	[	X
easat-10813	94	28	27	27	NUM
easat-10813	94	29	]	]	PUNCT
easat-10813	94	30	.	.	PUNCT
easat-10813	95	1	likewise	likewise	ADV
easat-10813	95	2	,	,	PUNCT
easat-10813	95	3	extended	extended	ADJ
easat-10813	95	4	versions	version	NOUN
easat-10813	95	5	of	of	ADP
easat-10813	95	6	tam	tam	X
easat-10813	95	7	recognize	recognize	VERB
easat-10813	95	8	trust	trust	NOUN
easat-10813	95	9	as	as	ADP
easat-10813	95	10	a	a	DET
easat-10813	95	11	key	key	ADJ
easat-10813	95	12	external	external	ADJ
easat-10813	95	13	variable	variable	NOUN
easat-10813	95	14	that	that	PRON
easat-10813	95	15	shapes	shape	NOUN
easat-10813	95	16	perceived	perceive	VERB
easat-10813	95	17	usefulness	usefulness	NOUN
easat-10813	95	18	and	and	CCONJ
easat-10813	95	19	ease	ease	NOUN
easat-10813	95	20	of	of	ADP
easat-10813	95	21	use	use	NOUN
easat-10813	95	22	[	[	X
easat-10813	95	23	28	28	NUM
easat-10813	95	24	]	]	PUNCT
easat-10813	95	25	.	.	PUNCT
easat-10813	96	1	recent	recent	ADJ
easat-10813	96	2	studies	study	NOUN
easat-10813	96	3	in	in	ADP
easat-10813	96	4	the	the	DET
easat-10813	96	5	south	south	ADJ
easat-10813	96	6	african	african	ADJ
easat-10813	96	7	insurance	insurance	NOUN
easat-10813	96	8	sector	sector	NOUN
easat-10813	96	9	highlight	highlight	VERB
easat-10813	96	10	the	the	DET
easat-10813	96	11	importance	importance	NOUN
easat-10813	96	12	of	of	ADP
easat-10813	96	13	digital	digital	ADJ
easat-10813	96	14	transparency	transparency	NOUN
easat-10813	96	15	,	,	PUNCT
easat-10813	96	16	peer	peer	NOUN
easat-10813	96	17	reviews	review	NOUN
easat-10813	96	18	,	,	PUNCT
easat-10813	96	19	and	and	CCONJ
easat-10813	96	20	real	real	ADJ
easat-10813	96	21	-	-	PUNCT
easat-10813	96	22	time	time	NOUN
easat-10813	96	23	support	support	NOUN
easat-10813	96	24	in	in	ADP
easat-10813	96	25	building	build	VERB
easat-10813	96	26	consumer	consumer	NOUN
easat-10813	96	27	trust	trust	NOUN
easat-10813	96	28	[	[	X
easat-10813	96	29	15	15	NUM
easat-10813	96	30	,	,	PUNCT
easat-10813	96	31	29	29	NUM
easat-10813	96	32	]	]	PUNCT
easat-10813	96	33	.	.	PUNCT
easat-10813	97	1	however	however	ADV
easat-10813	97	2	,	,	PUNCT
easat-10813	97	3	concerns	concern	NOUN
easat-10813	97	4	about	about	ADP
easat-10813	97	5	fraud	fraud	NOUN
easat-10813	97	6	,	,	PUNCT
easat-10813	97	7	data	data	NOUN
easat-10813	97	8	privacy	privacy	NOUN
easat-10813	97	9	,	,	PUNCT
easat-10813	97	10	or	or	CCONJ
easat-10813	97	11	hidden	hidden	ADJ
easat-10813	97	12	costs	cost	NOUN
easat-10813	97	13	continue	continue	VERB
easat-10813	97	14	to	to	PART
easat-10813	97	15	limit	limit	VERB
easat-10813	97	16	adoption	adoption	NOUN
easat-10813	97	17	[	[	X
easat-10813	97	18	30	30	NUM
easat-10813	97	19	]	]	PUNCT
easat-10813	97	20	.	.	PUNCT
easat-10813	98	1	in	in	ADP
easat-10813	98	2	this	this	DET
easat-10813	98	3	study	study	NOUN
easat-10813	98	4	,	,	PUNCT
easat-10813	98	5	trust	trust	NOUN
easat-10813	98	6	is	be	AUX
easat-10813	98	7	examined	examine	VERB
easat-10813	98	8	as	as	ADP
easat-10813	98	9	a	a	DET
easat-10813	98	10	predictor	predictor	NOUN
easat-10813	98	11	of	of	ADP
easat-10813	98	12	online	online	ADJ
easat-10813	98	13	purchasing	purchasing	NOUN
easat-10813	98	14	intention	intention	NOUN
easat-10813	98	15	;	;	PUNCT
easat-10813	98	16	it	it	PRON
easat-10813	98	17	reflects	reflect	VERB
easat-10813	98	18	the	the	DET
easat-10813	98	19	confidence	confidence	NOUN
easat-10813	98	20	consumers	consumer	NOUN
easat-10813	98	21	must	must	AUX
easat-10813	98	22	feel	feel	VERB
easat-10813	98	23	before	before	ADP
easat-10813	98	24	engaging	engage	VERB
easat-10813	98	25	with	with	ADP
easat-10813	98	26	insurance	insurance	NOUN
easat-10813	98	27	providers	provider	NOUN
easat-10813	98	28	online	online	ADV
easat-10813	98	29	.	.	PUNCT
easat-10813	99	1	4.2	4.2	NUM
easat-10813	99	2	.	.	PUNCT
easat-10813	100	1	promotion	promotion	NOUN
easat-10813	100	2	mix	mix	VERB
easat-10813	100	3	the	the	DET
easat-10813	100	4	promotion	promotion	NOUN
easat-10813	100	5	mix	mix	NOUN
easat-10813	100	6	refers	refer	VERB
easat-10813	100	7	to	to	ADP
easat-10813	100	8	the	the	DET
easat-10813	100	9	set	set	NOUN
easat-10813	100	10	of	of	ADP
easat-10813	100	11	tools	tool	NOUN
easat-10813	100	12	used	use	VERB
easat-10813	100	13	to	to	PART
easat-10813	100	14	stimulate	stimulate	VERB
easat-10813	100	15	interest	interest	NOUN
easat-10813	100	16	and	and	CCONJ
easat-10813	100	17	accelerate	accelerate	VERB
easat-10813	100	18	consumer	consumer	NOUN
easat-10813	100	19	decisions	decision	NOUN
easat-10813	100	20	,	,	PUNCT
easat-10813	100	21	including	include	VERB
easat-10813	100	22	advertising	advertising	NOUN
easat-10813	100	23	,	,	PUNCT
easat-10813	100	24	personal	personal	ADJ
easat-10813	100	25	selling	selling	NOUN
easat-10813	100	26	,	,	PUNCT
easat-10813	100	27	and	and	CCONJ
easat-10813	100	28	digital	digital	ADJ
easat-10813	100	29	promotions	promotion	NOUN
easat-10813	100	30	.	.	PUNCT
easat-10813	101	1	in	in	ADP
easat-10813	101	2	online	online	ADJ
easat-10813	101	3	contexts	contexts	NOUN
easat-10813	101	4	,	,	PUNCT
easat-10813	101	5	social	social	ADJ
easat-10813	101	6	media	medium	NOUN
easat-10813	101	7	advertising	advertising	NOUN
easat-10813	101	8	and	and	CCONJ
easat-10813	101	9	sales	sale	NOUN
easat-10813	101	10	promotions	promotion	NOUN
easat-10813	101	11	have	have	AUX
easat-10813	101	12	become	become	VERB
easat-10813	101	13	critical	critical	ADJ
easat-10813	101	14	in	in	ADP
easat-10813	101	15	shaping	shape	VERB
easat-10813	101	16	consumer	consumer	NOUN
easat-10813	101	17	engagement	engagement	NOUN
easat-10813	101	18	and	and	CCONJ
easat-10813	101	19	driving	driving	NOUN
easat-10813	101	20	conversions	conversion	NOUN
easat-10813	101	21	[	[	X
easat-10813	101	22	31	31	NUM
easat-10813	101	23	]	]	PUNCT
easat-10813	101	24	.	.	PUNCT
easat-10813	102	1	according	accord	VERB
easat-10813	102	2	to	to	ADP
easat-10813	102	3	tam	tam	NOUN
easat-10813	102	4	extensions	extension	NOUN
easat-10813	102	5	,	,	PUNCT
easat-10813	102	6	promotional	promotional	ADJ
easat-10813	102	7	content	content	NOUN
easat-10813	102	8	can	can	AUX
easat-10813	102	9	enhance	enhance	AUX
easat-10813	102	10	perceived	perceive	VERB
easat-10813	102	11	usefulness	usefulness	NOUN
easat-10813	102	12	by	by	ADP
easat-10813	102	13	highlighting	highlight	VERB
easat-10813	102	14	product	product	NOUN
easat-10813	102	15	value	value	NOUN
easat-10813	102	16	and	and	CCONJ
easat-10813	102	17	simplifying	simplify	VERB
easat-10813	102	18	decision	decision	NOUN
easat-10813	102	19	-	-	PUNCT
easat-10813	102	20	making	making	NOUN
easat-10813	102	21	[	[	X
easat-10813	102	22	32	32	NUM
easat-10813	102	23	]	]	PUNCT
easat-10813	102	24	.	.	PUNCT
easat-10813	103	1	likewise	likewise	ADV
easat-10813	103	2	,	,	PUNCT
easat-10813	103	3	in	in	ADP
easat-10813	103	4	tpb	tpb	NOUN
easat-10813	103	5	,	,	PUNCT
easat-10813	103	6	strategic	strategic	ADJ
easat-10813	103	7	promotions	promotion	NOUN
easat-10813	103	8	can	can	AUX
easat-10813	103	9	influence	influence	VERB
easat-10813	103	10	attitudes	attitude	NOUN
easat-10813	103	11	and	and	CCONJ
easat-10813	103	12	subjective	subjective	ADJ
easat-10813	103	13	norms	norm	NOUN
easat-10813	103	14	,	,	PUNCT
easat-10813	103	15	particularly	particularly	ADV
easat-10813	103	16	when	when	SCONJ
easat-10813	103	17	recommendations	recommendation	NOUN
easat-10813	103	18	or	or	CCONJ
easat-10813	103	19	endorsements	endorsement	NOUN
easat-10813	103	20	are	be	AUX
easat-10813	103	21	shared	share	VERB
easat-10813	103	22	within	within	ADP
easat-10813	103	23	peer	peer	NOUN
easat-10813	103	24	networks	network	NOUN
easat-10813	103	25	[	[	X
easat-10813	103	26	33	33	NUM
easat-10813	103	27	]	]	PUNCT
easat-10813	103	28	.	.	PUNCT
easat-10813	104	1	recent	recent	ADJ
easat-10813	104	2	studies	study	NOUN
easat-10813	104	3	show	show	VERB
easat-10813	104	4	that	that	SCONJ
easat-10813	104	5	targeted	target	VERB
easat-10813	104	6	digital	digital	ADJ
easat-10813	104	7	164	164	NUM
easat-10813	104	8	edelweiss	edelweiss	PROPN
easat-10813	104	9	applied	apply	VERB
easat-10813	104	10	science	science	NOUN
easat-10813	104	11	and	and	CCONJ
easat-10813	104	12	technology	technology	NOUN
easat-10813	104	13	issn	issn	PROPN
easat-10813	104	14	:	:	PUNCT
easat-10813	104	15	2576	2576	NUM
easat-10813	104	16	-	-	SYM
easat-10813	104	17	8484	8484	NUM
easat-10813	104	18	vol	vol	NOUN
easat-10813	104	19	.	.	PROPN
easat-10813	105	1	9	9	NUM
easat-10813	105	2	,	,	PUNCT
easat-10813	105	3	no	no	INTJ
easat-10813	105	4	.	.	NOUN
easat-10813	105	5	11	11	NUM
easat-10813	105	6	:	:	PUNCT
easat-10813	105	7	160	160	NUM
easat-10813	105	8	-	-	SYM
easat-10813	105	9	172	172	NUM
easat-10813	105	10	,	,	PUNCT
easat-10813	105	11	2025	2025	NUM
easat-10813	105	12	doi	doi	NOUN
easat-10813	105	13	:	:	PUNCT
easat-10813	105	14	10.55214/2576	10.55214/2576	NUM
easat-10813	105	15	-	-	SYM
easat-10813	105	16	8484.v9i11.10813	8484.v9i11.10813	NUM
easat-10813	106	1	©	©	ADP
easat-10813	106	2	2025	2025	NUM
easat-10813	106	3	by	by	ADP
easat-10813	106	4	the	the	DET
easat-10813	106	5	authors	author	NOUN
easat-10813	106	6	;	;	PUNCT
easat-10813	106	7	licensee	licensee	PROPN
easat-10813	106	8	learning	learn	VERB
easat-10813	106	9	gate	gate	NOUN
easat-10813	106	10	promotions	promotion	NOUN
easat-10813	106	11	,	,	PUNCT
easat-10813	106	12	such	such	ADJ
easat-10813	106	13	as	as	ADP
easat-10813	106	14	time	time	NOUN
easat-10813	106	15	-	-	PUNCT
easat-10813	106	16	limited	limit	VERB
easat-10813	106	17	offers	offer	NOUN
easat-10813	106	18	,	,	PUNCT
easat-10813	106	19	referral	referral	ADJ
easat-10813	106	20	codes	code	NOUN
easat-10813	106	21	,	,	PUNCT
easat-10813	106	22	and	and	CCONJ
easat-10813	106	23	influencer	influencer	NOUN
easat-10813	106	24	content	content	NOUN
easat-10813	106	25	,	,	PUNCT
easat-10813	106	26	can	can	AUX
easat-10813	106	27	boost	boost	VERB
easat-10813	106	28	purchase	purchase	NOUN
easat-10813	106	29	intention	intention	NOUN
easat-10813	106	30	,	,	PUNCT
easat-10813	106	31	especially	especially	ADV
easat-10813	106	32	in	in	ADP
easat-10813	106	33	markets	market	NOUN
easat-10813	106	34	where	where	SCONJ
easat-10813	106	35	price	price	NOUN
easat-10813	106	36	sensitivity	sensitivity	NOUN
easat-10813	106	37	is	be	AUX
easat-10813	106	38	high	high	ADJ
easat-10813	106	39	and	and	CCONJ
easat-10813	106	40	brand	brand	NOUN
easat-10813	106	41	familiarity	familiarity	NOUN
easat-10813	106	42	is	be	AUX
easat-10813	106	43	low	low	ADJ
easat-10813	107	1	[	[	X
easat-10813	107	2	34	34	NUM
easat-10813	107	3	]	]	PUNCT
easat-10813	107	4	.	.	PUNCT
easat-10813	108	1	in	in	ADP
easat-10813	108	2	the	the	DET
easat-10813	108	3	insurance	insurance	NOUN
easat-10813	108	4	sector	sector	NOUN
easat-10813	108	5	,	,	PUNCT
easat-10813	108	6	well	well	ADV
easat-10813	108	7	-	-	PUNCT
easat-10813	108	8	designed	design	VERB
easat-10813	108	9	promotions	promotion	NOUN
easat-10813	108	10	help	help	VERB
easat-10813	108	11	reduce	reduce	VERB
easat-10813	108	12	consumer	consumer	NOUN
easat-10813	108	13	hesitation	hesitation	NOUN
easat-10813	108	14	by	by	ADP
easat-10813	108	15	clarifying	clarify	VERB
easat-10813	108	16	product	product	NOUN
easat-10813	108	17	benefits	benefit	NOUN
easat-10813	108	18	and	and	CCONJ
easat-10813	108	19	offering	offer	VERB
easat-10813	108	20	incentives	incentive	NOUN
easat-10813	108	21	for	for	ADP
easat-10813	108	22	online	online	ADJ
easat-10813	108	23	engagement	engagement	NOUN
easat-10813	108	24	.	.	PUNCT
easat-10813	109	1	this	this	DET
easat-10813	109	2	study	study	NOUN
easat-10813	109	3	examines	examine	VERB
easat-10813	109	4	the	the	DET
easat-10813	109	5	promotion	promotion	NOUN
easat-10813	109	6	mix	mix	NOUN
easat-10813	109	7	as	as	ADP
easat-10813	109	8	a	a	DET
easat-10813	109	9	factor	factor	NOUN
easat-10813	109	10	influencing	influence	VERB
easat-10813	109	11	car	car	NOUN
easat-10813	109	12	owners	owner	NOUN
easat-10813	109	13	’	'	PUNCT
easat-10813	109	14	willingness	willingness	NOUN
easat-10813	109	15	to	to	PART
easat-10813	109	16	purchase	purchase	VERB
easat-10813	109	17	insurance	insurance	NOUN
easat-10813	109	18	online	online	ADV
easat-10813	109	19	in	in	ADP
easat-10813	109	20	mahikeng	mahikeng	PROPN
easat-10813	109	21	,	,	PUNCT
easat-10813	109	22	focusing	focus	VERB
easat-10813	109	23	on	on	ADP
easat-10813	109	24	how	how	SCONJ
easat-10813	109	25	social	social	ADJ
easat-10813	109	26	media	media	NOUN
easat-10813	109	27	-	-	PUNCT
easat-10813	109	28	based	base	VERB
easat-10813	109	29	promotions	promotion	NOUN
easat-10813	109	30	impact	impact	VERB
easat-10813	109	31	decision	decision	NOUN
easat-10813	109	32	-	-	PUNCT
easat-10813	109	33	making	make	VERB
easat-10813	109	34	behavior	behavior	NOUN
easat-10813	109	35	.	.	PUNCT
easat-10813	110	1	4.3	4.3	NUM
easat-10813	110	2	.	.	PUNCT
easat-10813	110	3	perceived	perceive	VERB
easat-10813	110	4	attitude	attitude	NOUN
easat-10813	110	5	attitude	attitude	NOUN
easat-10813	110	6	is	be	AUX
easat-10813	110	7	a	a	DET
easat-10813	110	8	central	central	ADJ
easat-10813	110	9	construct	construct	NOUN
easat-10813	110	10	in	in	ADP
easat-10813	110	11	the	the	DET
easat-10813	110	12	theory	theory	NOUN
easat-10813	110	13	of	of	ADP
easat-10813	110	14	planned	plan	VERB
easat-10813	110	15	behavior	behavior	NOUN
easat-10813	110	16	(	(	PUNCT
easat-10813	110	17	tpb	tpb	NOUN
easat-10813	110	18	)	)	PUNCT
easat-10813	110	19	and	and	CCONJ
easat-10813	110	20	reflects	reflect	VERB
easat-10813	110	21	a	a	DET
easat-10813	110	22	consumer	consumer	NOUN
easat-10813	110	23	's	's	PART
easat-10813	110	24	overall	overall	ADJ
easat-10813	110	25	evaluation	evaluation	NOUN
easat-10813	110	26	,	,	PUNCT
easat-10813	110	27	positive	positive	ADJ
easat-10813	110	28	or	or	CCONJ
easat-10813	110	29	negative	negative	ADJ
easat-10813	110	30	,	,	PUNCT
easat-10813	110	31	toward	toward	ADP
easat-10813	110	32	performing	perform	VERB
easat-10813	110	33	a	a	DET
easat-10813	110	34	specific	specific	ADJ
easat-10813	110	35	behavior	behavior	NOUN
easat-10813	110	36	,	,	PUNCT
easat-10813	110	37	such	such	ADJ
easat-10813	110	38	as	as	ADP
easat-10813	110	39	purchasing	purchase	VERB
easat-10813	110	40	insurance	insurance	NOUN
easat-10813	110	41	online	online	ADV
easat-10813	111	1	[	[	X
easat-10813	111	2	35	35	NUM
easat-10813	111	3	]	]	PUNCT
easat-10813	111	4	.	.	PUNCT
easat-10813	112	1	a	a	DET
easat-10813	112	2	favorable	favorable	ADJ
easat-10813	112	3	attitude	attitude	NOUN
easat-10813	112	4	increases	increase	VERB
easat-10813	112	5	the	the	DET
easat-10813	112	6	likelihood	likelihood	NOUN
easat-10813	112	7	of	of	ADP
easat-10813	112	8	behavioral	behavioral	ADJ
easat-10813	112	9	intention	intention	NOUN
easat-10813	112	10	and	and	CCONJ
easat-10813	112	11	eventual	eventual	ADJ
easat-10813	112	12	action	action	NOUN
easat-10813	112	13	.	.	PUNCT
easat-10813	113	1	in	in	ADP
easat-10813	113	2	digital	digital	ADJ
easat-10813	113	3	contexts	contexts	NOUN
easat-10813	113	4	,	,	PUNCT
easat-10813	113	5	attitudes	attitude	NOUN
easat-10813	113	6	are	be	AUX
easat-10813	113	7	often	often	ADV
easat-10813	113	8	shaped	shape	VERB
easat-10813	113	9	by	by	ADP
easat-10813	113	10	exposure	exposure	NOUN
easat-10813	113	11	to	to	ADP
easat-10813	113	12	online	online	ADJ
easat-10813	113	13	content	content	NOUN
easat-10813	113	14	,	,	PUNCT
easat-10813	113	15	such	such	ADJ
easat-10813	113	16	as	as	ADP
easat-10813	113	17	reviews	review	NOUN
easat-10813	113	18	,	,	PUNCT
easat-10813	113	19	social	social	ADJ
easat-10813	113	20	media	medium	NOUN
easat-10813	113	21	engagement	engagement	NOUN
easat-10813	113	22	,	,	PUNCT
easat-10813	113	23	and	and	CCONJ
easat-10813	113	24	brand	brand	NOUN
easat-10813	113	25	messaging	messaging	NOUN
easat-10813	113	26	.	.	PUNCT
easat-10813	114	1	consumers	consumer	NOUN
easat-10813	114	2	who	who	PRON
easat-10813	114	3	perceive	perceive	VERB
easat-10813	114	4	online	online	ADJ
easat-10813	114	5	insurance	insurance	NOUN
easat-10813	114	6	platforms	platform	NOUN
easat-10813	114	7	as	as	ADP
easat-10813	114	8	trustworthy	trustworthy	ADJ
easat-10813	114	9	,	,	PUNCT
easat-10813	114	10	user	user	NOUN
easat-10813	114	11	-	-	PUNCT
easat-10813	114	12	friendly	friendly	ADJ
easat-10813	114	13	,	,	PUNCT
easat-10813	114	14	and	and	CCONJ
easat-10813	114	15	beneficial	beneficial	ADJ
easat-10813	114	16	are	be	AUX
easat-10813	114	17	more	more	ADV
easat-10813	114	18	likely	likely	ADJ
easat-10813	114	19	to	to	PART
easat-10813	114	20	form	form	VERB
easat-10813	114	21	positive	positive	ADJ
easat-10813	114	22	attitudes	attitude	NOUN
easat-10813	114	23	toward	toward	ADP
easat-10813	114	24	using	use	VERB
easat-10813	114	25	those	those	DET
easat-10813	114	26	platforms	platform	NOUN
easat-10813	114	27	[	[	X
easat-10813	114	28	36	36	NUM
easat-10813	114	29	]	]	PUNCT
easat-10813	114	30	.	.	PUNCT
easat-10813	115	1	these	these	DET
easat-10813	115	2	attitudes	attitude	NOUN
easat-10813	115	3	,	,	PUNCT
easat-10813	115	4	in	in	ADP
easat-10813	115	5	turn	turn	NOUN
easat-10813	115	6	,	,	PUNCT
easat-10813	115	7	predict	predict	VERB
easat-10813	115	8	intention	intention	NOUN
easat-10813	115	9	and	and	CCONJ
easat-10813	115	10	purchasing	purchasing	NOUN
easat-10813	115	11	behavior	behavior	NOUN
easat-10813	115	12	.	.	PUNCT
easat-10813	116	1	studies	study	NOUN
easat-10813	116	2	show	show	VERB
easat-10813	116	3	that	that	SCONJ
easat-10813	116	4	attitudes	attitude	NOUN
easat-10813	116	5	toward	toward	ADP
easat-10813	116	6	online	online	ADJ
easat-10813	116	7	reviews	review	NOUN
easat-10813	116	8	,	,	PUNCT
easat-10813	116	9	ads	ad	NOUN
easat-10813	116	10	,	,	PUNCT
easat-10813	116	11	and	and	CCONJ
easat-10813	116	12	peer	peer	NOUN
easat-10813	116	13	recommendations	recommendation	NOUN
easat-10813	116	14	significantly	significantly	ADV
easat-10813	116	15	influence	influence	VERB
easat-10813	116	16	purchase	purchase	NOUN
easat-10813	116	17	decisions	decision	NOUN
easat-10813	116	18	,	,	PUNCT
easat-10813	116	19	especially	especially	ADV
easat-10813	116	20	among	among	ADP
easat-10813	116	21	younger	young	ADJ
easat-10813	116	22	,	,	PUNCT
easat-10813	116	23	digitally	digitally	ADV
easat-10813	116	24	active	active	ADJ
easat-10813	116	25	consumers	consumer	NOUN
easat-10813	117	1	[	[	X
easat-10813	117	2	37	37	NUM
easat-10813	117	3	,	,	PUNCT
easat-10813	117	4	38	38	NUM
easat-10813	117	5	]	]	PUNCT
easat-10813	117	6	.	.	PUNCT
easat-10813	118	1	as	as	SCONJ
easat-10813	118	2	consumers	consumer	NOUN
easat-10813	118	3	increasingly	increasingly	ADV
easat-10813	118	4	rely	rely	VERB
easat-10813	118	5	on	on	ADP
easat-10813	118	6	digital	digital	ADJ
easat-10813	118	7	channels	channel	NOUN
easat-10813	118	8	for	for	ADP
easat-10813	118	9	financial	financial	ADJ
easat-10813	118	10	decisions	decision	NOUN
easat-10813	118	11	,	,	PUNCT
easat-10813	118	12	fostering	foster	VERB
easat-10813	118	13	positive	positive	ADJ
easat-10813	118	14	attitudes	attitude	NOUN
easat-10813	118	15	through	through	ADP
easat-10813	118	16	engaging	engaging	ADJ
easat-10813	118	17	,	,	PUNCT
easat-10813	118	18	relevant	relevant	ADJ
easat-10813	118	19	,	,	PUNCT
easat-10813	118	20	and	and	CCONJ
easat-10813	118	21	credible	credible	ADJ
easat-10813	118	22	content	content	NOUN
easat-10813	118	23	becomes	become	VERB
easat-10813	118	24	critical	critical	ADJ
easat-10813	118	25	.	.	PUNCT
easat-10813	119	1	this	this	DET
easat-10813	119	2	study	study	NOUN
easat-10813	119	3	investigates	investigate	VERB
easat-10813	119	4	attitude	attitude	NOUN
easat-10813	119	5	as	as	ADP
easat-10813	119	6	a	a	DET
easat-10813	119	7	predictor	predictor	NOUN
easat-10813	119	8	of	of	ADP
easat-10813	119	9	online	online	ADJ
easat-10813	119	10	car	car	NOUN
easat-10813	119	11	insurance	insurance	NOUN
easat-10813	119	12	purchase	purchase	NOUN
easat-10813	119	13	intention	intention	NOUN
easat-10813	119	14	,	,	PUNCT
easat-10813	119	15	positioned	position	VERB
easat-10813	119	16	at	at	ADP
easat-10813	119	17	the	the	DET
easat-10813	119	18	core	core	NOUN
easat-10813	119	19	of	of	ADP
easat-10813	119	20	the	the	DET
easat-10813	119	21	theory	theory	NOUN
easat-10813	119	22	of	of	ADP
easat-10813	119	23	planned	plan	VERB
easat-10813	119	24	behavior	behavior	NOUN
easat-10813	119	25	(	(	PUNCT
easat-10813	119	26	tpb	tpb	NOUN
easat-10813	119	27	)	)	PUNCT
easat-10813	119	28	and	and	CCONJ
easat-10813	119	29	directly	directly	ADV
easat-10813	119	30	aligned	align	VERB
easat-10813	119	31	with	with	ADP
easat-10813	119	32	the	the	DET
easat-10813	119	33	study	study	NOUN
easat-10813	119	34	’s	’s	PART
easat-10813	119	35	behavioral	behavioral	ADJ
easat-10813	119	36	focus	focus	NOUN
easat-10813	119	37	.	.	PUNCT
easat-10813	120	1	4.4	4.4	NUM
easat-10813	120	2	.	.	PUNCT
easat-10813	121	1	perceived	perceive	VERB
easat-10813	121	2	tangibility	tangibility	NOUN
easat-10813	121	3	perceived	perceive	VERB
easat-10813	121	4	tangibility	tangibility	NOUN
easat-10813	121	5	refers	refer	VERB
easat-10813	121	6	to	to	ADP
easat-10813	121	7	how	how	SCONJ
easat-10813	121	8	real	real	ADJ
easat-10813	121	9	a	a	DET
easat-10813	121	10	product	product	NOUN
easat-10813	121	11	or	or	CCONJ
easat-10813	121	12	service	service	NOUN
easat-10813	121	13	appears	appear	VERB
easat-10813	121	14	in	in	ADP
easat-10813	121	15	a	a	DET
easat-10813	121	16	digital	digital	ADJ
easat-10813	121	17	context	context	NOUN
easat-10813	121	18	.	.	PUNCT
easat-10813	122	1	although	although	SCONJ
easat-10813	122	2	services	service	NOUN
easat-10813	122	3	like	like	ADP
easat-10813	122	4	car	car	NOUN
easat-10813	122	5	insurance	insurance	NOUN
easat-10813	122	6	are	be	AUX
easat-10813	122	7	inherently	inherently	ADV
easat-10813	122	8	intangible	intangible	ADJ
easat-10813	122	9	,	,	PUNCT
easat-10813	122	10	consumers	consumer	NOUN
easat-10813	122	11	seek	seek	VERB
easat-10813	122	12	tangible	tangible	ADJ
easat-10813	122	13	cues	cue	NOUN
easat-10813	122	14	such	such	ADJ
easat-10813	122	15	as	as	ADP
easat-10813	122	16	detailed	detailed	ADJ
easat-10813	122	17	visuals	visual	NOUN
easat-10813	122	18	,	,	PUNCT
easat-10813	122	19	testimonials	testimonial	NOUN
easat-10813	122	20	,	,	PUNCT
easat-10813	122	21	or	or	CCONJ
easat-10813	122	22	clear	clear	ADJ
easat-10813	122	23	policy	policy	NOUN
easat-10813	122	24	descriptions	description	NOUN
easat-10813	122	25	to	to	PART
easat-10813	122	26	reduce	reduce	VERB
easat-10813	122	27	uncertainty	uncertainty	NOUN
easat-10813	122	28	and	and	CCONJ
easat-10813	122	29	perceived	perceive	VERB
easat-10813	122	30	risk	risk	NOUN
easat-10813	122	31	[	[	X
easat-10813	122	32	39	39	NUM
easat-10813	122	33	]	]	PUNCT
easat-10813	122	34	.	.	PUNCT
easat-10813	123	1	in	in	ADP
easat-10813	123	2	the	the	DET
easat-10813	123	3	context	context	NOUN
easat-10813	123	4	of	of	ADP
easat-10813	123	5	tam	tam	PROPN
easat-10813	123	6	,	,	PUNCT
easat-10813	123	7	these	these	DET
easat-10813	123	8	cues	cue	NOUN
easat-10813	123	9	enhance	enhance	AUX
easat-10813	123	10	perceived	perceive	VERB
easat-10813	123	11	usefulness	usefulness	NOUN
easat-10813	123	12	,	,	PUNCT
easat-10813	123	13	helping	help	VERB
easat-10813	123	14	consumers	consumer	NOUN
easat-10813	123	15	better	well	ADV
easat-10813	123	16	understand	understand	VERB
easat-10813	123	17	what	what	PRON
easat-10813	123	18	they	they	PRON
easat-10813	123	19	are	be	AUX
easat-10813	123	20	purchasing	purchase	VERB
easat-10813	123	21	[	[	X
easat-10813	123	22	40	40	NUM
easat-10813	123	23	]	]	PUNCT
easat-10813	123	24	.	.	PUNCT
easat-10813	124	1	from	from	ADP
easat-10813	124	2	a	a	DET
easat-10813	124	3	tpb	tpb	NOUN
easat-10813	124	4	perspective	perspective	NOUN
easat-10813	124	5	,	,	PUNCT
easat-10813	124	6	they	they	PRON
easat-10813	124	7	also	also	ADV
easat-10813	124	8	shape	shape	VERB
easat-10813	124	9	attitudes	attitude	NOUN
easat-10813	124	10	by	by	ADP
easat-10813	124	11	influencing	influence	VERB
easat-10813	124	12	how	how	SCONJ
easat-10813	124	13	consumers	consumer	NOUN
easat-10813	124	14	evaluate	evaluate	VERB
easat-10813	124	15	the	the	DET
easat-10813	124	16	benefits	benefit	NOUN
easat-10813	124	17	and	and	CCONJ
easat-10813	124	18	trustworthiness	trustworthiness	NOUN
easat-10813	124	19	of	of	ADP
easat-10813	124	20	a	a	DET
easat-10813	124	21	digital	digital	ADJ
easat-10813	124	22	insurance	insurance	NOUN
easat-10813	124	23	service	service	NOUN
easat-10813	124	24	[	[	X
easat-10813	124	25	41	41	NUM
easat-10813	124	26	]	]	PUNCT
easat-10813	124	27	.	.	PUNCT
easat-10813	125	1	research	research	NOUN
easat-10813	125	2	from	from	ADP
easat-10813	125	3	wang	wang	PROPN
easat-10813	125	4	et	et	PROPN
easat-10813	125	5	al	al	PROPN
easat-10813	125	6	.	.	PUNCT
easat-10813	126	1	[	[	X
easat-10813	126	2	42	42	NUM
easat-10813	126	3	]	]	PUNCT
easat-10813	126	4	shows	show	VERB
easat-10813	126	5	that	that	SCONJ
easat-10813	126	6	visual	visual	ADJ
easat-10813	126	7	clarity	clarity	NOUN
easat-10813	126	8	,	,	PUNCT
easat-10813	126	9	transparency	transparency	NOUN
easat-10813	126	10	,	,	PUNCT
easat-10813	126	11	and	and	CCONJ
easat-10813	126	12	website	website	NOUN
easat-10813	126	13	quality	quality	NOUN
easat-10813	126	14	contribute	contribute	NOUN
easat-10813	126	15	to	to	ADP
easat-10813	126	16	consumers	consumer	NOUN
easat-10813	126	17	'	'	PART
easat-10813	126	18	sense	sense	NOUN
easat-10813	126	19	of	of	ADP
easat-10813	126	20	product	product	NOUN
easat-10813	126	21	tangibility	tangibility	NOUN
easat-10813	126	22	in	in	ADP
easat-10813	126	23	online	online	ADJ
easat-10813	126	24	environments	environment	NOUN
easat-10813	126	25	.	.	PUNCT
easat-10813	127	1	for	for	ADP
easat-10813	127	2	car	car	NOUN
easat-10813	127	3	insurance	insurance	NOUN
easat-10813	127	4	,	,	PUNCT
easat-10813	127	5	presenting	present	VERB
easat-10813	127	6	tangible	tangible	ADJ
easat-10813	127	7	information	information	NOUN
easat-10813	127	8	such	such	ADJ
easat-10813	127	9	as	as	ADP
easat-10813	127	10	benefit	benefit	NOUN
easat-10813	127	11	comparisons	comparison	NOUN
easat-10813	127	12	,	,	PUNCT
easat-10813	127	13	digital	digital	ADJ
easat-10813	127	14	contracts	contract	NOUN
easat-10813	127	15	,	,	PUNCT
easat-10813	127	16	and	and	CCONJ
easat-10813	127	17	real	real	ADJ
easat-10813	127	18	-	-	PUNCT
easat-10813	127	19	user	user	NOUN
easat-10813	127	20	feedback	feedback	NOUN
easat-10813	127	21	can	can	AUX
easat-10813	127	22	improve	improve	VERB
easat-10813	127	23	consumer	consumer	NOUN
easat-10813	127	24	confidence	confidence	NOUN
easat-10813	127	25	and	and	CCONJ
easat-10813	127	26	influence	influence	NOUN
easat-10813	127	27	purchasing	purchase	VERB
easat-10813	127	28	intention	intention	NOUN
easat-10813	127	29	.	.	PUNCT
easat-10813	128	1	this	this	DET
easat-10813	128	2	study	study	NOUN
easat-10813	128	3	explores	explore	NOUN
easat-10813	128	4	perceived	perceive	VERB
easat-10813	128	5	tangibility	tangibility	NOUN
easat-10813	128	6	as	as	ADP
easat-10813	128	7	a	a	DET
easat-10813	128	8	potential	potential	ADJ
easat-10813	128	9	factor	factor	NOUN
easat-10813	128	10	influencing	influence	VERB
easat-10813	128	11	online	online	ADJ
easat-10813	128	12	car	car	NOUN
easat-10813	128	13	insurance	insurance	NOUN
easat-10813	128	14	purchases	purchase	NOUN
easat-10813	128	15	,	,	PUNCT
easat-10813	128	16	particularly	particularly	ADV
easat-10813	128	17	in	in	ADP
easat-10813	128	18	markets	market	NOUN
easat-10813	128	19	where	where	SCONJ
easat-10813	128	20	consumers	consumer	NOUN
easat-10813	128	21	remain	remain	VERB
easat-10813	128	22	cautious	cautious	ADJ
easat-10813	128	23	about	about	ADP
easat-10813	128	24	non	non	ADJ
easat-10813	128	25	-	-	ADJ
easat-10813	128	26	physical	physical	ADJ
easat-10813	128	27	transactions	transaction	NOUN
easat-10813	128	28	.	.	PUNCT
easat-10813	129	1	4.5	4.5	NUM
easat-10813	129	2	.	.	PUNCT
easat-10813	130	1	service	service	NOUN
easat-10813	130	2	quality	quality	NOUN
easat-10813	130	3	service	service	NOUN
easat-10813	130	4	quality	quality	NOUN
easat-10813	130	5	is	be	AUX
easat-10813	130	6	a	a	DET
easat-10813	130	7	crucial	crucial	ADJ
easat-10813	130	8	determinant	determinant	NOUN
easat-10813	130	9	of	of	ADP
easat-10813	130	10	consumer	consumer	NOUN
easat-10813	130	11	behavior	behavior	NOUN
easat-10813	130	12	in	in	ADP
easat-10813	130	13	online	online	ADJ
easat-10813	130	14	environments	environment	NOUN
easat-10813	130	15	,	,	PUNCT
easat-10813	130	16	such	such	ADJ
easat-10813	130	17	as	as	ADP
easat-10813	130	18	car	car	NOUN
easat-10813	130	19	insurance	insurance	NOUN
easat-10813	130	20	.	.	PUNCT
easat-10813	131	1	in	in	ADP
easat-10813	131	2	the	the	DET
easat-10813	131	3	absence	absence	NOUN
easat-10813	131	4	of	of	ADP
easat-10813	131	5	face	face	NOUN
easat-10813	131	6	-	-	PUNCT
easat-10813	131	7	to	to	ADP
easat-10813	131	8	-	-	PUNCT
easat-10813	131	9	face	face	NOUN
easat-10813	131	10	interaction	interaction	NOUN
easat-10813	131	11	,	,	PUNCT
easat-10813	131	12	consumers	consumer	NOUN
easat-10813	131	13	evaluate	evaluate	VERB
easat-10813	131	14	quality	quality	NOUN
easat-10813	131	15	based	base	VERB
easat-10813	131	16	on	on	ADP
easat-10813	131	17	factors	factor	NOUN
easat-10813	131	18	such	such	ADJ
easat-10813	131	19	as	as	ADP
easat-10813	131	20	responsiveness	responsiveness	NOUN
easat-10813	131	21	,	,	PUNCT
easat-10813	131	22	reliability	reliability	NOUN
easat-10813	131	23	,	,	PUNCT
easat-10813	131	24	website	website	NOUN
easat-10813	131	25	usability	usability	NOUN
easat-10813	131	26	,	,	PUNCT
easat-10813	131	27	and	and	CCONJ
easat-10813	131	28	after	after	ADP
easat-10813	131	29	-	-	PUNCT
easat-10813	131	30	sales	sale	NOUN
easat-10813	131	31	support	support	NOUN
easat-10813	131	32	[	[	X
easat-10813	131	33	43	43	NUM
easat-10813	131	34	]	]	PUNCT
easat-10813	131	35	.	.	PUNCT
easat-10813	132	1	aligned	align	VERB
easat-10813	132	2	with	with	ADP
easat-10813	132	3	tam	tam	PROPN
easat-10813	132	4	,	,	PUNCT
easat-10813	132	5	high	high	ADJ
easat-10813	132	6	perceived	perceive	VERB
easat-10813	132	7	service	service	NOUN
easat-10813	132	8	quality	quality	NOUN
easat-10813	132	9	enhances	enhance	NOUN
easat-10813	132	10	perceived	perceive	VERB
easat-10813	132	11	ease	ease	NOUN
easat-10813	132	12	of	of	ADP
easat-10813	132	13	use	use	NOUN
easat-10813	132	14	and	and	CCONJ
easat-10813	132	15	usefulness	usefulness	NOUN
easat-10813	132	16	,	,	PUNCT
easat-10813	132	17	increasing	increase	VERB
easat-10813	132	18	consumers	consumer	NOUN
easat-10813	132	19	’	'	PUNCT
easat-10813	132	20	willingness	willingness	NOUN
easat-10813	132	21	to	to	PART
easat-10813	132	22	transact	transact	VERB
easat-10813	132	23	online	online	ADV
easat-10813	133	1	[	[	X
easat-10813	133	2	40	40	NUM
easat-10813	133	3	]	]	PUNCT
easat-10813	133	4	.	.	PUNCT
easat-10813	134	1	in	in	ADP
easat-10813	134	2	tpb	tpb	NOUN
easat-10813	134	3	,	,	PUNCT
easat-10813	134	4	service	service	NOUN
easat-10813	134	5	quality	quality	NOUN
easat-10813	134	6	also	also	ADV
easat-10813	134	7	influences	influence	VERB
easat-10813	134	8	attitudes	attitude	NOUN
easat-10813	134	9	and	and	CCONJ
easat-10813	134	10	perceived	perceive	VERB
easat-10813	134	11	behavioral	behavioral	ADJ
easat-10813	134	12	control	control	NOUN
easat-10813	134	13	,	,	PUNCT
easat-10813	134	14	shaping	shape	VERB
easat-10813	134	15	a	a	DET
easat-10813	134	16	consumer	consumer	NOUN
easat-10813	134	17	’s	’s	PART
easat-10813	134	18	confidence	confidence	NOUN
easat-10813	134	19	in	in	ADP
easat-10813	134	20	using	use	VERB
easat-10813	134	21	digital	digital	ADJ
easat-10813	134	22	insurance	insurance	NOUN
easat-10813	134	23	platforms	platform	NOUN
easat-10813	134	24	[	[	X
easat-10813	134	25	44	44	NUM
easat-10813	134	26	]	]	PUNCT
easat-10813	134	27	.	.	PUNCT
easat-10813	135	1	studies	study	NOUN
easat-10813	135	2	from	from	ADP
easat-10813	135	3	madhuri	madhuri	PROPN
easat-10813	135	4	et	et	PROPN
easat-10813	135	5	al	al	PROPN
easat-10813	135	6	.	.	PUNCT
easat-10813	136	1	[	[	X
easat-10813	136	2	45	45	NUM
easat-10813	136	3	]	]	PUNCT
easat-10813	136	4	confirm	confirm	VERB
easat-10813	136	5	that	that	DET
easat-10813	136	6	consistency	consistency	NOUN
easat-10813	136	7	,	,	PUNCT
easat-10813	136	8	timely	timely	ADV
easat-10813	136	9	,	,	PUNCT
easat-10813	136	10	and	and	CCONJ
easat-10813	136	11	personalized	personalized	ADJ
easat-10813	136	12	service	service	NOUN
easat-10813	136	13	build	build	NOUN
easat-10813	136	14	trust	trust	NOUN
easat-10813	136	15	and	and	CCONJ
easat-10813	136	16	improve	improve	VERB
easat-10813	136	17	digital	digital	ADJ
easat-10813	136	18	purchase	purchase	NOUN
easat-10813	136	19	intention	intention	NOUN
easat-10813	136	20	.	.	PUNCT
easat-10813	137	1	in	in	ADP
easat-10813	137	2	the	the	DET
easat-10813	137	3	case	case	NOUN
easat-10813	137	4	of	of	ADP
easat-10813	137	5	car	car	NOUN
easat-10813	137	6	insurance	insurance	NOUN
easat-10813	137	7	,	,	PUNCT
easat-10813	137	8	digital	digital	ADJ
easat-10813	137	9	service	service	NOUN
easat-10813	137	10	quality	quality	NOUN
easat-10813	137	11	can	can	AUX
easat-10813	137	12	directly	directly	ADV
easat-10813	137	13	impact	impact	VERB
easat-10813	137	14	not	not	PART
easat-10813	137	15	only	only	ADV
easat-10813	137	16	consumer	consumer	NOUN
easat-10813	137	17	satisfaction	satisfaction	NOUN
easat-10813	137	18	but	but	CCONJ
easat-10813	137	19	also	also	ADV
easat-10813	137	20	the	the	DET
easat-10813	137	21	likelihood	likelihood	NOUN
easat-10813	137	22	of	of	ADP
easat-10813	137	23	follow	follow	NOUN
easat-10813	137	24	-	-	PUNCT
easat-10813	137	25	through	through	NOUN
easat-10813	137	26	on	on	ADP
easat-10813	137	27	a	a	DET
easat-10813	137	28	purchase	purchase	NOUN
easat-10813	137	29	.	.	PUNCT
easat-10813	138	1	this	this	DET
easat-10813	138	2	study	study	NOUN
easat-10813	138	3	evaluates	evaluate	NOUN
easat-10813	138	4	perceived	perceive	VERB
easat-10813	138	5	service	service	NOUN
easat-10813	138	6	quality	quality	NOUN
easat-10813	138	7	as	as	ADP
easat-10813	138	8	a	a	DET
easat-10813	138	9	factor	factor	NOUN
easat-10813	138	10	influencing	influence	VERB
easat-10813	138	11	online	online	ADJ
easat-10813	138	12	car	car	NOUN
easat-10813	138	13	insurance	insurance	NOUN
easat-10813	138	14	decisions	decision	NOUN
easat-10813	138	15	in	in	ADP
easat-10813	138	16	mahikeng	mahikeng	PROPN
easat-10813	138	17	’s	’s	PART
easat-10813	138	18	evolving	evolve	VERB
easat-10813	138	19	digital	digital	ADJ
easat-10813	138	20	landscape	landscape	NOUN
easat-10813	138	21	.	.	PUNCT
easat-10813	139	1	165	165	NUM
easat-10813	139	2	edelweiss	edelweiss	PROPN
easat-10813	139	3	applied	apply	VERB
easat-10813	139	4	science	science	NOUN
easat-10813	139	5	and	and	CCONJ
easat-10813	139	6	technology	technology	NOUN
easat-10813	139	7	issn	issn	PROPN
easat-10813	139	8	:	:	PUNCT
easat-10813	139	9	2576	2576	NUM
easat-10813	139	10	-	-	SYM
easat-10813	139	11	8484	8484	NUM
easat-10813	139	12	vol	vol	NOUN
easat-10813	139	13	.	.	PROPN
easat-10813	140	1	9	9	NUM
easat-10813	140	2	,	,	PUNCT
easat-10813	140	3	no	no	INTJ
easat-10813	140	4	.	.	NOUN
easat-10813	140	5	11	11	NUM
easat-10813	140	6	:	:	PUNCT
easat-10813	140	7	160	160	NUM
easat-10813	140	8	-	-	SYM
easat-10813	140	9	172	172	NUM
easat-10813	140	10	,	,	PUNCT
easat-10813	140	11	2025	2025	NUM
easat-10813	140	12	doi	doi	NOUN
easat-10813	140	13	:	:	PUNCT
easat-10813	140	14	10.55214/2576	10.55214/2576	NUM
easat-10813	140	15	-	-	SYM
easat-10813	140	16	8484.v9i11.10813	8484.v9i11.10813	NUM
easat-10813	141	1	©	©	ADP
easat-10813	141	2	2025	2025	NUM
easat-10813	141	3	by	by	ADP
easat-10813	141	4	the	the	DET
easat-10813	141	5	authors	author	NOUN
easat-10813	141	6	;	;	PUNCT
easat-10813	141	7	licensee	licensee	PROPN
easat-10813	141	8	learning	learning	NOUN
easat-10813	141	9	gate	gate	NOUN
easat-10813	141	10	4.6	4.6	NUM
easat-10813	141	11	.	.	PUNCT
easat-10813	142	1	social	social	ADJ
easat-10813	142	2	media	medium	NOUN
easat-10813	142	3	usage	usage	NOUN
easat-10813	142	4	social	social	ADJ
easat-10813	142	5	media	media	NOUN
easat-10813	142	6	usage	usage	NOUN
easat-10813	142	7	is	be	AUX
easat-10813	142	8	a	a	DET
easat-10813	142	9	major	major	ADJ
easat-10813	142	10	driver	driver	NOUN
easat-10813	142	11	of	of	ADP
easat-10813	142	12	digital	digital	ADJ
easat-10813	142	13	engagement	engagement	NOUN
easat-10813	142	14	and	and	CCONJ
easat-10813	142	15	has	have	AUX
easat-10813	142	16	reshaped	reshape	VERB
easat-10813	142	17	how	how	SCONJ
easat-10813	142	18	consumers	consumer	NOUN
easat-10813	142	19	interact	interact	VERB
easat-10813	142	20	with	with	ADP
easat-10813	142	21	brands	brand	NOUN
easat-10813	142	22	,	,	PUNCT
easat-10813	142	23	particularly	particularly	ADV
easat-10813	142	24	in	in	ADP
easat-10813	142	25	emerging	emerge	VERB
easat-10813	142	26	markets	market	NOUN
easat-10813	142	27	like	like	ADP
easat-10813	142	28	south	south	PROPN
easat-10813	142	29	africa	africa	PROPN
easat-10813	142	30	.	.	PUNCT
easat-10813	143	1	platforms	platform	NOUN
easat-10813	143	2	such	such	ADJ
easat-10813	143	3	as	as	ADP
easat-10813	143	4	facebook	facebook	NOUN
easat-10813	143	5	,	,	PUNCT
easat-10813	143	6	tiktok	tiktok	NOUN
easat-10813	143	7	,	,	PUNCT
easat-10813	143	8	and	and	CCONJ
easat-10813	143	9	instagram	instagram	PROPN
easat-10813	143	10	facilitate	facilitate	PROPN
easat-10813	143	11	information	information	NOUN
easat-10813	143	12	sharing	sharing	NOUN
easat-10813	143	13	,	,	PUNCT
easat-10813	143	14	peer	peer	NOUN
easat-10813	143	15	influence	influence	NOUN
easat-10813	143	16	,	,	PUNCT
easat-10813	143	17	and	and	CCONJ
easat-10813	143	18	real	real	ADJ
easat-10813	143	19	-	-	PUNCT
easat-10813	143	20	time	time	NOUN
easat-10813	143	21	interaction	interaction	NOUN
easat-10813	143	22	,	,	PUNCT
easat-10813	143	23	which	which	PRON
easat-10813	143	24	can	can	AUX
easat-10813	143	25	affect	affect	VERB
easat-10813	143	26	consumer	consumer	NOUN
easat-10813	143	27	trust	trust	NOUN
easat-10813	143	28	,	,	PUNCT
easat-10813	143	29	awareness	awareness	NOUN
easat-10813	143	30	,	,	PUNCT
easat-10813	143	31	and	and	CCONJ
easat-10813	143	32	behavior	behavior	NOUN
easat-10813	144	1	[	[	X
easat-10813	144	2	46	46	NUM
easat-10813	144	3	]	]	PUNCT
easat-10813	144	4	.	.	PUNCT
easat-10813	145	1	from	from	ADP
easat-10813	145	2	a	a	DET
easat-10813	145	3	tpb	tpb	NOUN
easat-10813	145	4	perspective	perspective	NOUN
easat-10813	145	5	,	,	PUNCT
easat-10813	145	6	social	social	ADJ
easat-10813	145	7	media	medium	NOUN
easat-10813	145	8	use	use	NOUN
easat-10813	145	9	influences	influence	NOUN
easat-10813	145	10	subjective	subjective	ADJ
easat-10813	145	11	norms	norm	NOUN
easat-10813	145	12	through	through	ADP
easat-10813	145	13	peer	peer	NOUN
easat-10813	145	14	recommendations	recommendation	NOUN
easat-10813	145	15	and	and	CCONJ
easat-10813	145	16	user	user	NOUN
easat-10813	145	17	-	-	PUNCT
easat-10813	145	18	generated	generate	VERB
easat-10813	145	19	content	content	NOUN
easat-10813	145	20	,	,	PUNCT
easat-10813	145	21	which	which	PRON
easat-10813	145	22	shape	shape	VERB
easat-10813	145	23	perceptions	perception	NOUN
easat-10813	145	24	of	of	ADP
easat-10813	145	25	what	what	PRON
easat-10813	145	26	is	be	AUX
easat-10813	145	27	socially	socially	ADV
easat-10813	145	28	acceptable	acceptable	ADJ
easat-10813	145	29	or	or	CCONJ
easat-10813	145	30	desirable	desirable	ADJ
easat-10813	145	31	[	[	X
easat-10813	145	32	47	47	NUM
easat-10813	145	33	]	]	PUNCT
easat-10813	145	34	.	.	PUNCT
easat-10813	146	1	for	for	ADP
easat-10813	146	2	tam	tam	PROPN
easat-10813	146	3	,	,	PUNCT
easat-10813	146	4	frequent	frequent	ADJ
easat-10813	146	5	engagement	engagement	NOUN
easat-10813	146	6	with	with	ADP
easat-10813	146	7	social	social	ADJ
easat-10813	146	8	media	medium	NOUN
easat-10813	146	9	may	may	AUX
easat-10813	146	10	indirectly	indirectly	ADV
easat-10813	146	11	improve	improve	VERB
easat-10813	146	12	a	a	DET
easat-10813	146	13	platform	platform	NOUN
easat-10813	146	14	's	's	PART
easat-10813	146	15	perceived	perceive	VERB
easat-10813	146	16	usefulness	usefulness	NOUN
easat-10813	146	17	by	by	ADP
easat-10813	146	18	making	make	VERB
easat-10813	146	19	information	information	NOUN
easat-10813	146	20	more	more	ADV
easat-10813	146	21	accessible	accessible	ADJ
easat-10813	146	22	and	and	CCONJ
easat-10813	146	23	relatable	relatable	ADJ
easat-10813	146	24	[	[	X
easat-10813	146	25	48	48	NUM
easat-10813	146	26	]	]	PUNCT
easat-10813	146	27	.	.	PUNCT
easat-10813	147	1	although	although	SCONJ
easat-10813	147	2	insurance	insurance	NOUN
easat-10813	147	3	remains	remain	VERB
easat-10813	147	4	a	a	DET
easat-10813	147	5	low	low	ADJ
easat-10813	147	6	-	-	PUNCT
easat-10813	147	7	engagement	engagement	NOUN
easat-10813	147	8	category	category	NOUN
easat-10813	147	9	,	,	PUNCT
easat-10813	147	10	recent	recent	ADJ
easat-10813	147	11	studies	study	NOUN
easat-10813	147	12	show	show	VERB
easat-10813	147	13	that	that	SCONJ
easat-10813	147	14	social	social	ADJ
easat-10813	147	15	media	medium	NOUN
easat-10813	147	16	promotions	promotion	NOUN
easat-10813	147	17	,	,	PUNCT
easat-10813	147	18	educational	educational	ADJ
easat-10813	147	19	content	content	NOUN
easat-10813	147	20	,	,	PUNCT
easat-10813	147	21	and	and	CCONJ
easat-10813	147	22	customer	customer	NOUN
easat-10813	147	23	reviews	review	NOUN
easat-10813	147	24	can	can	AUX
easat-10813	147	25	influence	influence	VERB
easat-10813	147	26	purchase	purchase	NOUN
easat-10813	147	27	decisions	decision	NOUN
easat-10813	147	28	by	by	ADP
easat-10813	147	29	enhancing	enhance	VERB
easat-10813	147	30	perceived	perceive	VERB
easat-10813	147	31	credibility	credibility	NOUN
easat-10813	147	32	and	and	CCONJ
easat-10813	147	33	relevance	relevance	NOUN
easat-10813	147	34	[	[	X
easat-10813	147	35	49	49	NUM
easat-10813	147	36	]	]	PUNCT
easat-10813	147	37	.	.	PUNCT
easat-10813	148	1	however	however	ADV
easat-10813	148	2	,	,	PUNCT
easat-10813	148	3	passive	passive	ADJ
easat-10813	148	4	usage	usage	NOUN
easat-10813	148	5	may	may	AUX
easat-10813	148	6	not	not	PART
easat-10813	148	7	be	be	AUX
easat-10813	148	8	sufficient	sufficient	ADJ
easat-10813	148	9	to	to	PART
easat-10813	148	10	influence	influence	VERB
easat-10813	148	11	intention	intention	NOUN
easat-10813	148	12	unless	unless	SCONJ
easat-10813	148	13	supported	support	VERB
easat-10813	148	14	by	by	ADP
easat-10813	148	15	targeted	target	VERB
easat-10813	148	16	,	,	PUNCT
easat-10813	148	17	meaningful	meaningful	ADJ
easat-10813	148	18	content	content	NOUN
easat-10813	148	19	.	.	PUNCT
easat-10813	149	1	in	in	ADP
easat-10813	149	2	this	this	DET
easat-10813	149	3	study	study	NOUN
easat-10813	149	4	,	,	PUNCT
easat-10813	149	5	social	social	ADJ
easat-10813	149	6	media	medium	NOUN
easat-10813	149	7	usage	usage	NOUN
easat-10813	149	8	is	be	AUX
easat-10813	149	9	examined	examine	VERB
easat-10813	149	10	as	as	ADP
easat-10813	149	11	a	a	DET
easat-10813	149	12	contextual	contextual	ADJ
easat-10813	149	13	factor	factor	NOUN
easat-10813	149	14	that	that	PRON
easat-10813	149	15	may	may	AUX
easat-10813	149	16	impact	impact	VERB
easat-10813	149	17	online	online	ADJ
easat-10813	149	18	insurance	insurance	NOUN
easat-10813	149	19	purchasing	purchasing	NOUN
easat-10813	149	20	decisions	decision	NOUN
easat-10813	149	21	in	in	ADP
easat-10813	149	22	mahikeng	mahikeng	PROPN
easat-10813	149	23	.	.	PUNCT
easat-10813	150	1	4.7	4.7	NUM
easat-10813	150	2	.	.	PUNCT
easat-10813	151	1	perceived	perceive	VERB
easat-10813	151	2	usefulness	usefulness	NOUN
easat-10813	151	3	perceived	perceive	VERB
easat-10813	151	4	usefulness	usefulness	NOUN
easat-10813	151	5	(	(	PUNCT
easat-10813	151	6	pu	pu	PROPN
easat-10813	151	7	)	)	PUNCT
easat-10813	151	8	is	be	AUX
easat-10813	151	9	a	a	DET
easat-10813	151	10	core	core	NOUN
easat-10813	151	11	construct	construct	NOUN
easat-10813	151	12	in	in	ADP
easat-10813	151	13	the	the	DET
easat-10813	151	14	tam	tam	NOUN
easat-10813	151	15	,	,	PUNCT
easat-10813	151	16	defined	define	VERB
easat-10813	151	17	as	as	ADP
easat-10813	151	18	the	the	DET
easat-10813	151	19	degree	degree	NOUN
easat-10813	151	20	to	to	PART
easat-10813	151	21	which	which	PRON
easat-10813	151	22	a	a	DET
easat-10813	151	23	person	person	NOUN
easat-10813	151	24	believes	believe	VERB
easat-10813	151	25	that	that	SCONJ
easat-10813	151	26	using	use	VERB
easat-10813	151	27	a	a	DET
easat-10813	151	28	system	system	NOUN
easat-10813	151	29	will	will	AUX
easat-10813	151	30	enhance	enhance	VERB
easat-10813	151	31	their	their	PRON
easat-10813	151	32	task	task	NOUN
easat-10813	151	33	performance	performance	NOUN
easat-10813	151	34	[	[	X
easat-10813	151	35	40	40	NUM
easat-10813	151	36	]	]	PUNCT
easat-10813	151	37	.	.	PUNCT
easat-10813	152	1	in	in	ADP
easat-10813	152	2	online	online	ADJ
easat-10813	152	3	insurance	insurance	NOUN
easat-10813	152	4	contexts	contexts	NOUN
easat-10813	152	5	,	,	PUNCT
easat-10813	152	6	pu	pu	PROPN
easat-10813	152	7	refers	refer	VERB
easat-10813	152	8	to	to	ADP
easat-10813	152	9	how	how	SCONJ
easat-10813	152	10	effectively	effectively	ADV
easat-10813	152	11	digital	digital	ADJ
easat-10813	152	12	platforms	platform	NOUN
easat-10813	152	13	help	help	VERB
easat-10813	152	14	consumers	consumer	NOUN
easat-10813	152	15	compare	compare	VERB
easat-10813	152	16	options	option	NOUN
easat-10813	152	17	,	,	PUNCT
easat-10813	152	18	understand	understand	VERB
easat-10813	152	19	policies	policy	NOUN
easat-10813	152	20	,	,	PUNCT
easat-10813	152	21	and	and	CCONJ
easat-10813	152	22	complete	complete	ADJ
easat-10813	152	23	transactions	transaction	NOUN
easat-10813	152	24	with	with	ADP
easat-10813	152	25	ease	ease	NOUN
easat-10813	152	26	.	.	PUNCT
easat-10813	153	1	empirical	empirical	ADJ
easat-10813	153	2	research	research	NOUN
easat-10813	153	3	confirms	confirm	VERB
easat-10813	153	4	that	that	SCONJ
easat-10813	153	5	when	when	SCONJ
easat-10813	153	6	consumers	consumer	NOUN
easat-10813	153	7	perceive	perceive	VERB
easat-10813	153	8	an	an	DET
easat-10813	153	9	online	online	ADJ
easat-10813	153	10	system	system	NOUN
easat-10813	153	11	as	as	ADP
easat-10813	153	12	useful	useful	ADJ
easat-10813	153	13	,	,	PUNCT
easat-10813	153	14	their	their	PRON
easat-10813	153	15	intention	intention	NOUN
easat-10813	153	16	to	to	PART
easat-10813	153	17	adopt	adopt	VERB
easat-10813	153	18	and	and	CCONJ
easat-10813	153	19	engage	engage	VERB
easat-10813	153	20	increases	increase	NOUN
easat-10813	153	21	significantly	significantly	ADV
easat-10813	153	22	[	[	X
easat-10813	153	23	28	28	NUM
easat-10813	153	24	]	]	PUNCT
easat-10813	153	25	.	.	PUNCT
easat-10813	154	1	pu	pu	PROPN
easat-10813	154	2	is	be	AUX
easat-10813	154	3	also	also	ADV
easat-10813	154	4	a	a	DET
easat-10813	154	5	known	known	ADJ
easat-10813	154	6	driver	driver	NOUN
easat-10813	154	7	of	of	ADP
easat-10813	154	8	attitude	attitude	NOUN
easat-10813	154	9	formation	formation	NOUN
easat-10813	154	10	,	,	PUNCT
easat-10813	154	11	which	which	PRON
easat-10813	154	12	aligns	align	VERB
easat-10813	154	13	with	with	ADP
easat-10813	154	14	the	the	DET
easat-10813	154	15	tpb	tpb	NOUN
easat-10813	154	16	framework	framework	NOUN
easat-10813	154	17	,	,	PUNCT
easat-10813	154	18	further	far	ADV
easat-10813	154	19	reinforcing	reinforce	VERB
easat-10813	154	20	its	its	PRON
easat-10813	154	21	relevance	relevance	NOUN
easat-10813	154	22	to	to	ADP
easat-10813	154	23	behavioral	behavioral	ADJ
easat-10813	154	24	intention	intention	NOUN
easat-10813	154	25	.	.	PUNCT
easat-10813	155	1	in	in	ADP
easat-10813	155	2	digital	digital	ADJ
easat-10813	155	3	insurance	insurance	NOUN
easat-10813	155	4	,	,	PUNCT
easat-10813	155	5	consumers	consumer	NOUN
easat-10813	155	6	are	be	AUX
easat-10813	155	7	more	more	ADV
easat-10813	155	8	likely	likely	ADJ
easat-10813	155	9	to	to	PART
easat-10813	155	10	complete	complete	VERB
easat-10813	155	11	a	a	DET
easat-10813	155	12	purchase	purchase	NOUN
easat-10813	155	13	when	when	SCONJ
easat-10813	155	14	platforms	platform	NOUN
easat-10813	155	15	provide	provide	VERB
easat-10813	155	16	clear	clear	ADJ
easat-10813	155	17	,	,	PUNCT
easat-10813	155	18	actionable	actionable	ADJ
easat-10813	155	19	content	content	NOUN
easat-10813	155	20	,	,	PUNCT
easat-10813	155	21	including	include	VERB
easat-10813	155	22	pricing	pricing	NOUN
easat-10813	155	23	,	,	PUNCT
easat-10813	155	24	coverage	coverage	NOUN
easat-10813	155	25	comparisons	comparison	NOUN
easat-10813	155	26	,	,	PUNCT
easat-10813	155	27	and	and	CCONJ
easat-10813	155	28	real	real	ADJ
easat-10813	155	29	-	-	PUNCT
easat-10813	155	30	time	time	NOUN
easat-10813	155	31	support	support	NOUN
easat-10813	155	32	tools	tool	NOUN
easat-10813	155	33	[	[	X
easat-10813	155	34	50	50	NUM
easat-10813	155	35	,	,	PUNCT
easat-10813	155	36	51	51	NUM
easat-10813	155	37	]	]	PUNCT
easat-10813	155	38	.	.	PUNCT
easat-10813	156	1	thus	thus	ADV
easat-10813	156	2	,	,	PUNCT
easat-10813	156	3	perceived	perceive	VERB
easat-10813	156	4	usefulness	usefulness	NOUN
easat-10813	156	5	directly	directly	ADV
easat-10813	156	6	influences	influence	VERB
easat-10813	156	7	not	not	PART
easat-10813	156	8	only	only	ADV
easat-10813	156	9	user	user	NOUN
easat-10813	156	10	satisfaction	satisfaction	NOUN
easat-10813	156	11	but	but	CCONJ
easat-10813	156	12	also	also	ADV
easat-10813	156	13	the	the	DET
easat-10813	156	14	intention	intention	NOUN
easat-10813	156	15	to	to	PART
easat-10813	156	16	buy	buy	VERB
easat-10813	156	17	.	.	PUNCT
easat-10813	157	1	in	in	ADP
easat-10813	157	2	this	this	DET
easat-10813	157	3	study	study	NOUN
easat-10813	157	4	,	,	PUNCT
easat-10813	157	5	pu	pu	PROPN
easat-10813	157	6	is	be	AUX
easat-10813	157	7	examined	examine	VERB
easat-10813	157	8	as	as	ADP
easat-10813	157	9	a	a	DET
easat-10813	157	10	determinant	determinant	NOUN
easat-10813	157	11	of	of	ADP
easat-10813	157	12	online	online	ADJ
easat-10813	157	13	car	car	NOUN
easat-10813	157	14	insurance	insurance	NOUN
easat-10813	157	15	purchase	purchase	NOUN
easat-10813	157	16	behavior	behavior	NOUN
easat-10813	157	17	in	in	ADP
easat-10813	157	18	mahikeng	mahikeng	PROPN
easat-10813	157	19	’s	’s	PART
easat-10813	157	20	growing	grow	VERB
easat-10813	157	21	e	e	ADJ
easat-10813	157	22	-	-	NOUN
easat-10813	157	23	insurance	insurance	NOUN
easat-10813	157	24	environment	environment	NOUN
easat-10813	157	25	.	.	PUNCT
easat-10813	158	1	4.8	4.8	NUM
easat-10813	158	2	.	.	PUNCT
easat-10813	159	1	purchase	purchase	NOUN
easat-10813	159	2	decision	decision	NOUN
easat-10813	159	3	the	the	DET
easat-10813	159	4	purchase	purchase	NOUN
easat-10813	159	5	decision	decision	NOUN
easat-10813	159	6	reflects	reflect	VERB
easat-10813	159	7	the	the	DET
easat-10813	159	8	final	final	ADJ
easat-10813	159	9	step	step	NOUN
easat-10813	159	10	in	in	ADP
easat-10813	159	11	the	the	DET
easat-10813	159	12	consumer	consumer	NOUN
easat-10813	159	13	decision	decision	NOUN
easat-10813	159	14	-	-	PUNCT
easat-10813	159	15	making	make	VERB
easat-10813	159	16	process	process	NOUN
easat-10813	159	17	,	,	PUNCT
easat-10813	159	18	where	where	SCONJ
easat-10813	159	19	intention	intention	NOUN
easat-10813	159	20	is	be	AUX
easat-10813	159	21	translated	translate	VERB
easat-10813	159	22	into	into	ADP
easat-10813	159	23	action	action	NOUN
easat-10813	159	24	.	.	PUNCT
easat-10813	160	1	in	in	ADP
easat-10813	160	2	both	both	CCONJ
easat-10813	160	3	the	the	DET
easat-10813	160	4	tpb	tpb	NOUN
easat-10813	160	5	and	and	CCONJ
easat-10813	160	6	tam	tam	PROPN
easat-10813	160	7	,	,	PUNCT
easat-10813	160	8	behavioral	behavioral	ADJ
easat-10813	160	9	intention	intention	NOUN
easat-10813	160	10	is	be	AUX
easat-10813	160	11	the	the	DET
easat-10813	160	12	most	most	ADV
easat-10813	160	13	direct	direct	ADJ
easat-10813	160	14	predictor	predictor	NOUN
easat-10813	160	15	of	of	ADP
easat-10813	160	16	actual	actual	ADJ
easat-10813	160	17	usage	usage	NOUN
easat-10813	160	18	or	or	CCONJ
easat-10813	160	19	purchasing	purchase	VERB
easat-10813	160	20	behavior	behavior	NOUN
easat-10813	160	21	[	[	X
easat-10813	160	22	40	40	NUM
easat-10813	160	23	,	,	PUNCT
easat-10813	160	24	52	52	NUM
easat-10813	160	25	]	]	PUNCT
easat-10813	160	26	.	.	PUNCT
easat-10813	161	1	however	however	ADV
easat-10813	161	2	,	,	PUNCT
easat-10813	161	3	intention	intention	NOUN
easat-10813	161	4	alone	alone	ADV
easat-10813	161	5	does	do	AUX
easat-10813	161	6	not	not	PART
easat-10813	161	7	guarantee	guarantee	VERB
easat-10813	161	8	purchase	purchase	NOUN
easat-10813	161	9	.	.	PUNCT
easat-10813	162	1	factors	factor	NOUN
easat-10813	162	2	such	such	ADJ
easat-10813	162	3	as	as	ADP
easat-10813	162	4	trust	trust	NOUN
easat-10813	162	5	,	,	PUNCT
easat-10813	162	6	perceived	perceive	VERB
easat-10813	162	7	risk	risk	NOUN
easat-10813	162	8	,	,	PUNCT
easat-10813	162	9	service	service	NOUN
easat-10813	162	10	quality	quality	NOUN
easat-10813	162	11	,	,	PUNCT
easat-10813	162	12	and	and	CCONJ
easat-10813	162	13	convenience	convenience	NOUN
easat-10813	162	14	often	often	ADV
easat-10813	162	15	act	act	VERB
easat-10813	162	16	as	as	ADP
easat-10813	162	17	facilitators	facilitator	NOUN
easat-10813	162	18	or	or	CCONJ
easat-10813	162	19	barriers	barrier	NOUN
easat-10813	162	20	to	to	ADP
easat-10813	162	21	action	action	NOUN
easat-10813	162	22	[	[	X
easat-10813	162	23	36	36	NUM
easat-10813	162	24	]	]	PUNCT
easat-10813	162	25	.	.	PUNCT
easat-10813	163	1	for	for	ADP
easat-10813	163	2	online	online	ADJ
easat-10813	163	3	car	car	NOUN
easat-10813	163	4	insurance	insurance	NOUN
easat-10813	163	5	,	,	PUNCT
easat-10813	163	6	where	where	SCONJ
easat-10813	163	7	the	the	DET
easat-10813	163	8	product	product	NOUN
easat-10813	163	9	is	be	AUX
easat-10813	163	10	intangible	intangible	ADJ
easat-10813	163	11	and	and	CCONJ
easat-10813	163	12	often	often	ADV
easat-10813	163	13	misunderstood	misunderstood	ADJ
easat-10813	163	14	,	,	PUNCT
easat-10813	163	15	reducing	reduce	VERB
easat-10813	163	16	uncertainty	uncertainty	NOUN
easat-10813	163	17	through	through	ADP
easat-10813	163	18	transparent	transparent	ADJ
easat-10813	163	19	communication	communication	NOUN
easat-10813	163	20	,	,	PUNCT
easat-10813	163	21	user	user	NOUN
easat-10813	163	22	-	-	PUNCT
easat-10813	163	23	friendly	friendly	ADJ
easat-10813	163	24	platforms	platform	NOUN
easat-10813	163	25	,	,	PUNCT
easat-10813	163	26	and	and	CCONJ
easat-10813	163	27	targeted	target	VERB
easat-10813	163	28	incentives	incentive	NOUN
easat-10813	163	29	can	can	AUX
easat-10813	163	30	significantly	significantly	ADV
easat-10813	163	31	influence	influence	VERB
easat-10813	163	32	conversion	conversion	NOUN
easat-10813	163	33	rates	rate	NOUN
easat-10813	163	34	[	[	X
easat-10813	163	35	53	53	NUM
easat-10813	163	36	]	]	PUNCT
easat-10813	163	37	.	.	PUNCT
easat-10813	164	1	in	in	ADP
easat-10813	164	2	south	south	PROPN
easat-10813	164	3	africa	africa	PROPN
easat-10813	164	4	,	,	PUNCT
easat-10813	164	5	digital	digital	PROPN
easat-10813	164	6	-	-	PUNCT
easat-10813	164	7	savvy	savvy	ADJ
easat-10813	164	8	younger	young	ADJ
easat-10813	164	9	consumers	consumer	NOUN
easat-10813	164	10	are	be	AUX
easat-10813	164	11	increasingly	increasingly	ADV
easat-10813	164	12	engaging	engage	VERB
easat-10813	164	13	with	with	ADP
easat-10813	164	14	online	online	ADJ
easat-10813	164	15	services	service	NOUN
easat-10813	164	16	but	but	CCONJ
easat-10813	164	17	may	may	AUX
easat-10813	164	18	still	still	ADV
easat-10813	164	19	hesitate	hesitate	VERB
easat-10813	164	20	without	without	ADP
easat-10813	164	21	proper	proper	ADJ
easat-10813	164	22	support	support	NOUN
easat-10813	164	23	and	and	CCONJ
easat-10813	164	24	clarity	clarity	NOUN
easat-10813	164	25	[	[	X
easat-10813	164	26	54	54	NUM
easat-10813	164	27	]	]	PUNCT
easat-10813	164	28	.	.	PUNCT
easat-10813	165	1	therefore	therefore	ADV
easat-10813	165	2	,	,	PUNCT
easat-10813	165	3	bridging	bridge	VERB
easat-10813	165	4	the	the	DET
easat-10813	165	5	gap	gap	NOUN
easat-10813	165	6	between	between	ADP
easat-10813	165	7	intention	intention	NOUN
easat-10813	165	8	and	and	CCONJ
easat-10813	165	9	action	action	NOUN
easat-10813	165	10	requires	require	VERB
easat-10813	165	11	more	more	ADJ
easat-10813	165	12	than	than	ADP
easat-10813	165	13	awareness	awareness	NOUN
easat-10813	165	14	;	;	PUNCT
easat-10813	165	15	it	it	PRON
easat-10813	165	16	demands	demand	VERB
easat-10813	165	17	value	value	NOUN
easat-10813	165	18	alignment	alignment	NOUN
easat-10813	165	19	,	,	PUNCT
easat-10813	165	20	usability	usability	NOUN
easat-10813	165	21	,	,	PUNCT
easat-10813	165	22	and	and	CCONJ
easat-10813	165	23	trust	trust	NOUN
easat-10813	165	24	reinforcement	reinforcement	NOUN
easat-10813	165	25	.	.	PUNCT
easat-10813	166	1	this	this	DET
easat-10813	166	2	study	study	NOUN
easat-10813	166	3	considers	consider	VERB
easat-10813	166	4	the	the	DET
easat-10813	166	5	purchase	purchase	NOUN
easat-10813	166	6	decision	decision	NOUN
easat-10813	166	7	as	as	ADP
easat-10813	166	8	the	the	DET
easat-10813	166	9	ultimate	ultimate	ADJ
easat-10813	166	10	behavioral	behavioral	ADJ
easat-10813	166	11	outcome	outcome	NOUN
easat-10813	166	12	,	,	PUNCT
easat-10813	166	13	shaped	shape	VERB
easat-10813	166	14	by	by	ADP
easat-10813	166	15	the	the	DET
easat-10813	166	16	variables	variable	NOUN
easat-10813	166	17	modeled	model	VERB
easat-10813	166	18	across	across	ADP
easat-10813	166	19	tam	tam	NOUN
easat-10813	166	20	and	and	CCONJ
easat-10813	166	21	tpb	tpb	NOUN
easat-10813	166	22	.	.	PROPN
easat-10813	166	23	4.9	4.9	NUM
easat-10813	166	24	.	.	PUNCT
easat-10813	167	1	the	the	DET
easat-10813	167	2	technology	technology	NOUN
easat-10813	167	3	acceptance	acceptance	NOUN
easat-10813	167	4	model	model	NOUN
easat-10813	167	5	(	(	PUNCT
easat-10813	167	6	tam	tam	PROPN
easat-10813	167	7	)	)	PUNCT
easat-10813	167	8	and	and	CCONJ
easat-10813	167	9	the	the	DET
easat-10813	167	10	theory	theory	NOUN
easat-10813	167	11	of	of	ADP
easat-10813	167	12	planned	plan	VERB
easat-10813	167	13	behavior	behavior	NOUN
easat-10813	167	14	(	(	PUNCT
easat-10813	167	15	tpb	tpb	NOUN
easat-10813	167	16	)	)	PUNCT
easat-10813	167	17	the	the	DET
easat-10813	167	18	technology	technology	NOUN
easat-10813	167	19	acceptance	acceptance	NOUN
easat-10813	167	20	model	model	NOUN
easat-10813	167	21	(	(	PUNCT
easat-10813	167	22	tam	tam	PROPN
easat-10813	167	23	)	)	PUNCT
easat-10813	167	24	and	and	CCONJ
easat-10813	167	25	the	the	DET
easat-10813	167	26	theory	theory	NOUN
easat-10813	167	27	of	of	ADP
easat-10813	167	28	planned	plan	VERB
easat-10813	167	29	behavior	behavior	NOUN
easat-10813	167	30	(	(	PUNCT
easat-10813	167	31	tpb	tpb	NOUN
easat-10813	167	32	)	)	PUNCT
easat-10813	167	33	underpin	underpin	VERB
easat-10813	167	34	this	this	DET
easat-10813	167	35	study	study	NOUN
easat-10813	167	36	,	,	PUNCT
easat-10813	167	37	and	and	CCONJ
easat-10813	167	38	the	the	DET
easat-10813	167	39	next	next	ADJ
easat-10813	167	40	section	section	NOUN
easat-10813	167	41	explains	explain	VERB
easat-10813	167	42	both	both	DET
easat-10813	167	43	theories	theory	NOUN
easat-10813	167	44	.	.	PUNCT
easat-10813	168	1	tam	tam	PROPN
easat-10813	168	2	focuses	focus	VERB
easat-10813	168	3	on	on	ADP
easat-10813	168	4	two	two	NUM
easat-10813	168	5	main	main	ADJ
easat-10813	168	6	constructs	construct	NOUN
easat-10813	168	7	:	:	PUNCT
easat-10813	168	8	perceived	perceive	VERB
easat-10813	168	9	usefulness	usefulness	NOUN
easat-10813	168	10	(	(	PUNCT
easat-10813	168	11	pu	pu	PROPN
easat-10813	168	12	)	)	PUNCT
easat-10813	168	13	and	and	CCONJ
easat-10813	168	14	perceived	perceive	VERB
easat-10813	168	15	ease	ease	NOUN
easat-10813	168	16	of	of	ADP
easat-10813	168	17	use	use	NOUN
easat-10813	168	18	(	(	PUNCT
easat-10813	168	19	peou	peou	ADV
easat-10813	168	20	)	)	PUNCT
easat-10813	168	21	.	.	PUNCT
easat-10813	169	1	in	in	ADP
easat-10813	169	2	the	the	DET
easat-10813	169	3	context	context	NOUN
easat-10813	169	4	of	of	ADP
easat-10813	169	5	online	online	ADJ
easat-10813	169	6	insurance	insurance	NOUN
easat-10813	169	7	in	in	ADP
easat-10813	169	8	mafikeng	mafikeng	NOUN
easat-10813	169	9	,	,	PUNCT
easat-10813	169	10	pu	pu	PROPN
easat-10813	169	11	reflects	reflect	VERB
easat-10813	169	12	how	how	SCONJ
easat-10813	169	13	consumers	consumer	NOUN
easat-10813	169	14	see	see	VERB
easat-10813	169	15	digital	digital	ADJ
easat-10813	169	16	insurance	insurance	NOUN
easat-10813	169	17	platforms	platform	NOUN
easat-10813	169	18	as	as	ADP
easat-10813	169	19	saving	save	VERB
easat-10813	169	20	time	time	NOUN
easat-10813	169	21	,	,	PUNCT
easat-10813	169	22	offering	offer	VERB
easat-10813	169	23	better	well	ADJ
easat-10813	169	24	prices	price	NOUN
easat-10813	169	25	,	,	PUNCT
easat-10813	169	26	and	and	CCONJ
easat-10813	169	27	providing	provide	VERB
easat-10813	169	28	access	access	NOUN
easat-10813	169	29	to	to	ADP
easat-10813	169	30	multiple	multiple	ADJ
easat-10813	169	31	quotes	quote	NOUN
easat-10813	169	32	or	or	CCONJ
easat-10813	169	33	customizable	customizable	ADJ
easat-10813	169	34	options	option	NOUN
easat-10813	169	35	.	.	PUNCT
easat-10813	170	1	peou	peou	PROPN
easat-10813	170	2	refers	refer	VERB
easat-10813	170	3	to	to	ADP
easat-10813	170	4	how	how	SCONJ
easat-10813	170	5	easily	easily	ADV
easat-10813	170	6	users	user	NOUN
easat-10813	170	7	,	,	PUNCT
easat-10813	170	8	particularly	particularly	ADV
easat-10813	170	9	those	those	PRON
easat-10813	170	10	with	with	ADP
easat-10813	170	11	limited	limited	ADJ
easat-10813	170	12	technical	technical	ADJ
easat-10813	170	13	experience	experience	NOUN
easat-10813	170	14	,	,	PUNCT
easat-10813	170	15	can	can	AUX
easat-10813	170	16	navigate	navigate	VERB
easat-10813	170	17	insurance	insurance	NOUN
easat-10813	170	18	websites	website	NOUN
easat-10813	170	19	or	or	CCONJ
easat-10813	170	20	mobile	mobile	NOUN
easat-10813	170	21	166	166	NUM
easat-10813	170	22	edelweiss	edelweiss	PROPN
easat-10813	170	23	applied	apply	VERB
easat-10813	170	24	science	science	NOUN
easat-10813	170	25	and	and	CCONJ
easat-10813	170	26	technology	technology	NOUN
easat-10813	170	27	issn	issn	PROPN
easat-10813	170	28	:	:	PUNCT
easat-10813	170	29	2576	2576	NUM
easat-10813	170	30	-	-	SYM
easat-10813	170	31	8484	8484	NUM
easat-10813	170	32	vol	vol	NOUN
easat-10813	170	33	.	.	PROPN
easat-10813	171	1	9	9	NUM
easat-10813	171	2	,	,	PUNCT
easat-10813	171	3	no	no	INTJ
easat-10813	171	4	.	.	NOUN
easat-10813	171	5	11	11	NUM
easat-10813	171	6	:	:	PUNCT
easat-10813	171	7	160	160	NUM
easat-10813	171	8	-	-	SYM
easat-10813	171	9	172	172	NUM
easat-10813	171	10	,	,	PUNCT
easat-10813	171	11	2025	2025	NUM
easat-10813	171	12	doi	doi	NOUN
easat-10813	171	13	:	:	PUNCT
easat-10813	171	14	10.55214/2576	10.55214/2576	NUM
easat-10813	171	15	-	-	SYM
easat-10813	171	16	8484.v9i11.10813	8484.v9i11.10813	NUM
easat-10813	172	1	©	©	ADP
easat-10813	172	2	2025	2025	NUM
easat-10813	172	3	by	by	ADP
easat-10813	172	4	the	the	DET
easat-10813	172	5	authors	author	NOUN
easat-10813	172	6	;	;	PUNCT
easat-10813	172	7	licensee	licensee	PROPN
easat-10813	172	8	learning	learning	PROPN
easat-10813	172	9	gate	gate	NOUN
easat-10813	172	10	applications	application	NOUN
easat-10813	172	11	.	.	PUNCT
easat-10813	173	1	if	if	SCONJ
easat-10813	173	2	consumers	consumer	NOUN
easat-10813	173	3	in	in	ADP
easat-10813	173	4	mafikeng	mafikeng	NOUN
easat-10813	173	5	find	find	VERB
easat-10813	173	6	online	online	ADJ
easat-10813	173	7	insurance	insurance	NOUN
easat-10813	173	8	tools	tool	NOUN
easat-10813	173	9	simple	simple	ADJ
easat-10813	173	10	and	and	CCONJ
easat-10813	173	11	helpful	helpful	ADJ
easat-10813	173	12	,	,	PUNCT
easat-10813	173	13	they	they	PRON
easat-10813	173	14	are	be	AUX
easat-10813	173	15	more	more	ADV
easat-10813	173	16	likely	likely	ADJ
easat-10813	173	17	to	to	PART
easat-10813	173	18	adopt	adopt	VERB
easat-10813	173	19	them	they	PRON
easat-10813	173	20	.	.	PUNCT
easat-10813	174	1	for	for	ADP
easat-10813	174	2	example	example	NOUN
easat-10813	174	3	,	,	PUNCT
easat-10813	174	4	the	the	DET
easat-10813	174	5	increase	increase	NOUN
easat-10813	174	6	in	in	ADP
easat-10813	174	7	telematics	telematic	NOUN
easat-10813	174	8	-	-	PUNCT
easat-10813	174	9	based	base	VERB
easat-10813	174	10	or	or	CCONJ
easat-10813	174	11	ai	ai	ADV
easat-10813	174	12	-	-	PUNCT
easat-10813	174	13	enhanced	enhance	VERB
easat-10813	174	14	insurance	insurance	NOUN
easat-10813	174	15	services	service	NOUN
easat-10813	174	16	[	[	X
easat-10813	174	17	3	3	X
easat-10813	174	18	]	]	PUNCT
easat-10813	174	19	shows	show	VERB
easat-10813	174	20	how	how	SCONJ
easat-10813	174	21	users	user	NOUN
easat-10813	174	22	value	value	VERB
easat-10813	174	23	convenience	convenience	NOUN
easat-10813	174	24	and	and	CCONJ
easat-10813	174	25	control	control	NOUN
easat-10813	174	26	,	,	PUNCT
easat-10813	174	27	reinforcing	reinforce	VERB
easat-10813	174	28	tam	tam	PROPN
easat-10813	174	29	's	's	PART
easat-10813	174	30	role	role	NOUN
easat-10813	174	31	in	in	ADP
easat-10813	174	32	explaining	explain	VERB
easat-10813	174	33	digital	digital	ADJ
easat-10813	174	34	adoption	adoption	NOUN
easat-10813	174	35	behavior	behavior	NOUN
easat-10813	174	36	in	in	ADP
easat-10813	174	37	this	this	DET
easat-10813	174	38	market	market	NOUN
easat-10813	174	39	.	.	PUNCT
easat-10813	175	1	meanwhile	meanwhile	ADV
easat-10813	175	2	,	,	PUNCT
easat-10813	175	3	tpb	tpb	NOUN
easat-10813	175	4	offers	offer	VERB
easat-10813	175	5	a	a	DET
easat-10813	175	6	broader	broader	ADV
easat-10813	175	7	psychological	psychological	ADJ
easat-10813	175	8	and	and	CCONJ
easat-10813	175	9	social	social	ADJ
easat-10813	175	10	framework	framework	NOUN
easat-10813	175	11	to	to	PART
easat-10813	175	12	understand	understand	VERB
easat-10813	175	13	user	user	NOUN
easat-10813	175	14	intentions	intention	NOUN
easat-10813	175	15	.	.	PUNCT
easat-10813	176	1	tpb	tpb	NOUN
easat-10813	176	2	states	state	NOUN
easat-10813	176	3	that	that	SCONJ
easat-10813	176	4	behavior	behavior	NOUN
easat-10813	176	5	is	be	AUX
easat-10813	176	6	influenced	influence	VERB
easat-10813	176	7	by	by	ADP
easat-10813	176	8	attitude	attitude	NOUN
easat-10813	176	9	toward	toward	ADP
easat-10813	176	10	behavior	behavior	NOUN
easat-10813	176	11	,	,	PUNCT
easat-10813	176	12	subjective	subjective	ADJ
easat-10813	176	13	norms	norm	NOUN
easat-10813	176	14	,	,	PUNCT
easat-10813	176	15	and	and	CCONJ
easat-10813	176	16	perceived	perceive	VERB
easat-10813	176	17	behavioral	behavioral	ADJ
easat-10813	176	18	control	control	NOUN
easat-10813	176	19	.	.	PUNCT
easat-10813	177	1	in	in	ADP
easat-10813	177	2	mafikeng	mafikeng	NOUN
easat-10813	177	3	,	,	PUNCT
easat-10813	177	4	a	a	DET
easat-10813	177	5	car	car	NOUN
easat-10813	177	6	owner	owner	NOUN
easat-10813	177	7	’s	’s	PART
easat-10813	177	8	attitude	attitude	NOUN
easat-10813	177	9	toward	toward	ADP
easat-10813	177	10	buying	buy	VERB
easat-10813	177	11	insurance	insurance	NOUN
easat-10813	177	12	online	online	ADV
easat-10813	177	13	might	might	AUX
easat-10813	177	14	depend	depend	VERB
easat-10813	177	15	on	on	ADP
easat-10813	177	16	personal	personal	ADJ
easat-10813	177	17	beliefs	belief	NOUN
easat-10813	177	18	about	about	ADP
easat-10813	177	19	digital	digital	ADJ
easat-10813	177	20	security	security	NOUN
easat-10813	177	21	,	,	PUNCT
easat-10813	177	22	convenience	convenience	NOUN
easat-10813	177	23	,	,	PUNCT
easat-10813	177	24	or	or	CCONJ
easat-10813	177	25	affordability	affordability	NOUN
easat-10813	177	26	.	.	PUNCT
easat-10813	178	1	subjective	subjective	ADJ
easat-10813	178	2	norms	norm	NOUN
easat-10813	178	3	,	,	PUNCT
easat-10813	178	4	such	such	ADJ
easat-10813	178	5	as	as	ADP
easat-10813	178	6	influence	influence	NOUN
easat-10813	178	7	from	from	ADP
easat-10813	178	8	friends	friend	NOUN
easat-10813	178	9	,	,	PUNCT
easat-10813	178	10	family	family	NOUN
easat-10813	178	11	,	,	PUNCT
easat-10813	178	12	or	or	CCONJ
easat-10813	178	13	local	local	ADJ
easat-10813	178	14	community	community	NOUN
easat-10813	178	15	groups	group	NOUN
easat-10813	178	16	,	,	PUNCT
easat-10813	178	17	are	be	AUX
easat-10813	178	18	particularly	particularly	ADV
easat-10813	178	19	relevant	relevant	ADJ
easat-10813	178	20	in	in	ADP
easat-10813	178	21	mafikeng	mafikeng	NOUN
easat-10813	178	22	,	,	PUNCT
easat-10813	178	23	where	where	SCONJ
easat-10813	178	24	word	word	NOUN
easat-10813	178	25	-	-	PUNCT
easat-10813	178	26	ofmouth	ofmouth	NOUN
easat-10813	178	27	and	and	CCONJ
easat-10813	178	28	social	social	ADJ
easat-10813	178	29	proof	proof	NOUN
easat-10813	178	30	strongly	strongly	ADV
easat-10813	178	31	influence	influence	VERB
easat-10813	178	32	actions	action	NOUN
easat-10813	178	33	[	[	X
easat-10813	178	34	55	55	NUM
easat-10813	178	35	]	]	PUNCT
easat-10813	178	36	.	.	PUNCT
easat-10813	179	1	lastly	lastly	ADV
easat-10813	179	2	,	,	PUNCT
easat-10813	179	3	perceived	perceive	VERB
easat-10813	179	4	behavioral	behavioral	ADJ
easat-10813	179	5	control	control	NOUN
easat-10813	179	6	involves	involve	VERB
easat-10813	179	7	how	how	SCONJ
easat-10813	179	8	capable	capable	ADJ
easat-10813	179	9	consumers	consumer	NOUN
easat-10813	179	10	feel	feel	VERB
easat-10813	179	11	about	about	ADP
easat-10813	179	12	completing	complete	VERB
easat-10813	179	13	an	an	DET
easat-10813	179	14	online	online	ADJ
easat-10813	179	15	transaction	transaction	NOUN
easat-10813	179	16	,	,	PUNCT
easat-10813	179	17	which	which	PRON
easat-10813	179	18	may	may	AUX
easat-10813	179	19	depend	depend	VERB
easat-10813	179	20	on	on	ADP
easat-10813	179	21	digital	digital	ADJ
easat-10813	179	22	literacy	literacy	NOUN
easat-10813	179	23	,	,	PUNCT
easat-10813	179	24	internet	internet	NOUN
easat-10813	179	25	access	access	NOUN
easat-10813	179	26	,	,	PUNCT
easat-10813	179	27	and	and	CCONJ
easat-10813	179	28	trust	trust	NOUN
easat-10813	179	29	in	in	ADP
easat-10813	179	30	online	online	ADJ
easat-10813	179	31	systems	system	NOUN
easat-10813	179	32	.	.	PUNCT
easat-10813	180	1	by	by	ADP
easat-10813	180	2	combining	combine	VERB
easat-10813	180	3	both	both	DET
easat-10813	180	4	tam	tam	NOUN
easat-10813	180	5	and	and	CCONJ
easat-10813	180	6	tpb	tpb	NOUN
easat-10813	180	7	,	,	PUNCT
easat-10813	180	8	this	this	DET
easat-10813	180	9	study	study	NOUN
easat-10813	180	10	can	can	AUX
easat-10813	180	11	explore	explore	VERB
easat-10813	180	12	how	how	SCONJ
easat-10813	180	13	individual	individual	ADJ
easat-10813	180	14	perceptions	perception	NOUN
easat-10813	180	15	of	of	ADP
easat-10813	180	16	tam	tam	NOUN
easat-10813	180	17	and	and	CCONJ
easat-10813	180	18	social	social	ADJ
easat-10813	180	19	-	-	PUNCT
easat-10813	180	20	psychological	psychological	ADJ
easat-10813	180	21	factors	factor	NOUN
easat-10813	180	22	from	from	ADP
easat-10813	180	23	tpb	tpb	NOUN
easat-10813	180	24	influence	influence	NOUN
easat-10813	180	25	online	online	ADJ
easat-10813	180	26	insurance	insurance	NOUN
easat-10813	180	27	purchase	purchase	NOUN
easat-10813	180	28	decisions	decision	NOUN
easat-10813	180	29	in	in	ADP
easat-10813	180	30	mafikeng	mafikeng	NOUN
easat-10813	180	31	.	.	PUNCT
easat-10813	181	1	for	for	ADP
easat-10813	181	2	example	example	NOUN
easat-10813	181	3	,	,	PUNCT
easat-10813	181	4	a	a	DET
easat-10813	181	5	consumer	consumer	NOUN
easat-10813	181	6	might	might	AUX
easat-10813	181	7	see	see	VERB
easat-10813	181	8	online	online	ADJ
easat-10813	181	9	platforms	platform	NOUN
easat-10813	181	10	as	as	ADP
easat-10813	181	11	useful	useful	ADJ
easat-10813	181	12	and	and	CCONJ
easat-10813	181	13	easy	easy	ADJ
easat-10813	181	14	to	to	PART
easat-10813	181	15	use	use	VERB
easat-10813	181	16	(	(	PUNCT
easat-10813	181	17	tam	tam	NOUN
easat-10813	181	18	)	)	PUNCT
easat-10813	181	19	but	but	CCONJ
easat-10813	181	20	still	still	ADV
easat-10813	181	21	avoid	avoid	VERB
easat-10813	181	22	them	they	PRON
easat-10813	181	23	due	due	ADJ
easat-10813	181	24	to	to	ADP
easat-10813	181	25	a	a	DET
easat-10813	181	26	lack	lack	NOUN
easat-10813	181	27	of	of	ADP
easat-10813	181	28	social	social	ADJ
easat-10813	181	29	support	support	NOUN
easat-10813	181	30	or	or	CCONJ
easat-10813	181	31	perceived	perceive	VERB
easat-10813	181	32	difficulty	difficulty	NOUN
easat-10813	181	33	with	with	ADP
easat-10813	181	34	online	online	ADJ
easat-10813	181	35	payments	payment	NOUN
easat-10813	181	36	(	(	PUNCT
easat-10813	181	37	tpb	tpb	NOUN
easat-10813	181	38	)	)	PUNCT
easat-10813	181	39	.	.	PUNCT
easat-10813	182	1	this	this	DET
easat-10813	182	2	combined	combined	ADJ
easat-10813	182	3	approach	approach	NOUN
easat-10813	182	4	allows	allow	VERB
easat-10813	182	5	for	for	ADP
easat-10813	182	6	a	a	DET
easat-10813	182	7	more	more	ADV
easat-10813	182	8	detailed	detailed	ADJ
easat-10813	182	9	analysis	analysis	NOUN
easat-10813	182	10	of	of	ADP
easat-10813	182	11	both	both	CCONJ
easat-10813	182	12	internal	internal	ADJ
easat-10813	182	13	motivations	motivation	NOUN
easat-10813	182	14	and	and	CCONJ
easat-10813	182	15	external	external	ADJ
easat-10813	182	16	pressures	pressure	NOUN
easat-10813	182	17	.	.	PUNCT
easat-10813	183	1	applying	apply	VERB
easat-10813	183	2	these	these	DET
easat-10813	183	3	theories	theory	NOUN
easat-10813	183	4	can	can	AUX
easat-10813	183	5	also	also	ADV
easat-10813	183	6	guide	guide	VERB
easat-10813	183	7	targeted	target	VERB
easat-10813	183	8	actions	action	NOUN
easat-10813	183	9	,	,	PUNCT
easat-10813	183	10	such	such	ADJ
easat-10813	183	11	as	as	ADP
easat-10813	183	12	simplifying	simplify	VERB
easat-10813	183	13	user	user	NOUN
easat-10813	183	14	interfaces	interface	NOUN
easat-10813	183	15	,	,	PUNCT
easat-10813	183	16	providing	provide	VERB
easat-10813	183	17	digital	digital	ADJ
easat-10813	183	18	literacy	literacy	NOUN
easat-10813	183	19	programs	program	NOUN
easat-10813	183	20	,	,	PUNCT
easat-10813	183	21	or	or	CCONJ
easat-10813	183	22	utilizing	utilize	VERB
easat-10813	183	23	local	local	ADJ
easat-10813	183	24	influencers	influencer	NOUN
easat-10813	183	25	to	to	PART
easat-10813	183	26	encourage	encourage	VERB
easat-10813	183	27	the	the	DET
easat-10813	183	28	adoption	adoption	NOUN
easat-10813	183	29	of	of	ADP
easat-10813	183	30	tpb	tpb	NOUN
easat-10813	183	31	.	.	PROPN
easat-10813	184	1	5	5	NUM
easat-10813	184	2	.	.	X
easat-10813	184	3	methodology	methodology	NOUN
easat-10813	185	1	ghanad	ghanad	PROPN
easat-10813	186	1	[	[	X
easat-10813	186	2	56	56	NUM
easat-10813	186	3	]	]	PUNCT
easat-10813	186	4	defines	define	VERB
easat-10813	186	5	quantitative	quantitative	ADJ
easat-10813	186	6	research	research	NOUN
easat-10813	186	7	as	as	ADP
easat-10813	186	8	“	"	PUNCT
easat-10813	186	9	a	a	DET
easat-10813	186	10	research	research	NOUN
easat-10813	186	11	strategy	strategy	NOUN
easat-10813	186	12	that	that	PRON
easat-10813	186	13	emphasizes	emphasize	VERB
easat-10813	186	14	quantification	quantification	NOUN
easat-10813	186	15	in	in	ADP
easat-10813	186	16	the	the	DET
easat-10813	186	17	collection	collection	NOUN
easat-10813	186	18	and	and	CCONJ
easat-10813	186	19	analysis	analysis	NOUN
easat-10813	186	20	of	of	ADP
easat-10813	186	21	data	datum	NOUN
easat-10813	186	22	.	.	PUNCT
easat-10813	186	23	”	"	PUNCT
easat-10813	187	1	it	it	PRON
easat-10813	187	2	means	mean	VERB
easat-10813	187	3	quantitative	quantitative	ADJ
easat-10813	187	4	research	research	NOUN
easat-10813	187	5	aims	aim	VERB
easat-10813	187	6	to	to	PART
easat-10813	187	7	answer	answer	VERB
easat-10813	187	8	questions	question	NOUN
easat-10813	187	9	starting	start	VERB
easat-10813	187	10	with	with	ADP
easat-10813	187	11	how	how	SCONJ
easat-10813	187	12	many	many	ADJ
easat-10813	187	13	,	,	PUNCT
easat-10813	187	14	how	how	SCONJ
easat-10813	187	15	much	much	ADJ
easat-10813	187	16	,	,	PUNCT
easat-10813	187	17	and	and	CCONJ
easat-10813	187	18	to	to	ADP
easat-10813	187	19	what	what	DET
easat-10813	187	20	extent	extent	NOUN
easat-10813	187	21	,	,	PUNCT
easat-10813	187	22	alford	alford	NOUN
easat-10813	187	23	and	and	CCONJ
easat-10813	187	24	teater	teater	NOUN
easat-10813	187	25	[	[	X
easat-10813	187	26	57	57	NUM
easat-10813	187	27	]	]	PUNCT
easat-10813	187	28	.	.	PUNCT
easat-10813	188	1	fischer	fischer	PROPN
easat-10813	188	2	et	et	PROPN
easat-10813	188	3	al	al	PROPN
easat-10813	188	4	.	.	PUNCT
easat-10813	189	1	[	[	X
easat-10813	189	2	58	58	NUM
easat-10813	189	3	]	]	PUNCT
easat-10813	189	4	view	view	VERB
easat-10813	189	5	quantitative	quantitative	ADJ
easat-10813	189	6	research	research	NOUN
easat-10813	189	7	as	as	ADP
easat-10813	189	8	the	the	DET
easat-10813	189	9	systematic	systematic	ADJ
easat-10813	189	10	process	process	NOUN
easat-10813	189	11	of	of	ADP
easat-10813	189	12	applying	apply	VERB
easat-10813	189	13	quantitative	quantitative	ADJ
easat-10813	189	14	principles	principle	NOUN
easat-10813	189	15	.	.	PUNCT
easat-10813	190	1	barroga	barroga	NOUN
easat-10813	190	2	et	et	PROPN
easat-10813	190	3	al	al	PROPN
easat-10813	190	4	.	.	PUNCT
easat-10813	191	1	[	[	X
easat-10813	191	2	59	59	NUM
easat-10813	191	3	]	]	PUNCT
easat-10813	191	4	state	state	NOUN
easat-10813	191	5	that	that	SCONJ
easat-10813	191	6	quantitative	quantitative	ADJ
easat-10813	191	7	research	research	NOUN
easat-10813	191	8	allows	allow	VERB
easat-10813	191	9	researchers	researcher	NOUN
easat-10813	191	10	to	to	PART
easat-10813	191	11	test	test	NOUN
easat-10813	191	12	theories	theory	NOUN
easat-10813	191	13	by	by	ADP
easat-10813	191	14	examining	examine	VERB
easat-10813	191	15	relationships	relationship	NOUN
easat-10813	191	16	among	among	ADP
easat-10813	191	17	variables	variable	NOUN
easat-10813	191	18	,	,	PUNCT
easat-10813	191	19	measured	measure	VERB
easat-10813	191	20	using	use	VERB
easat-10813	191	21	detailed	detailed	ADJ
easat-10813	191	22	instruments	instrument	NOUN
easat-10813	191	23	and	and	CCONJ
easat-10813	191	24	analyzed	analyze	VERB
easat-10813	191	25	with	with	ADP
easat-10813	191	26	statistical	statistical	ADJ
easat-10813	191	27	procedures	procedure	NOUN
easat-10813	191	28	.	.	PUNCT
easat-10813	192	1	this	this	DET
easat-10813	192	2	study	study	NOUN
easat-10813	192	3	adopted	adopt	VERB
easat-10813	192	4	a	a	DET
easat-10813	192	5	quantitative	quantitative	ADJ
easat-10813	192	6	,	,	PUNCT
easat-10813	192	7	cross	cross	ADJ
easat-10813	192	8	-	-	ADJ
easat-10813	192	9	sectional	sectional	ADJ
easat-10813	192	10	research	research	NOUN
easat-10813	192	11	design	design	NOUN
easat-10813	192	12	and	and	CCONJ
easat-10813	192	13	used	use	VERB
easat-10813	192	14	a	a	DET
easat-10813	192	15	structured	structured	ADJ
easat-10813	192	16	questionnaire	questionnaire	NOUN
easat-10813	192	17	to	to	PART
easat-10813	192	18	explore	explore	VERB
easat-10813	192	19	the	the	DET
easat-10813	192	20	factors	factor	NOUN
easat-10813	192	21	influencing	influence	VERB
easat-10813	192	22	online	online	ADJ
easat-10813	192	23	car	car	NOUN
easat-10813	192	24	insurance	insurance	NOUN
easat-10813	192	25	purchasing	purchasing	NOUN
easat-10813	192	26	decisions	decision	NOUN
easat-10813	192	27	.	.	PUNCT
easat-10813	193	1	the	the	DET
easat-10813	193	2	target	target	NOUN
easat-10813	193	3	population	population	NOUN
easat-10813	193	4	included	include	VERB
easat-10813	193	5	south	south	ADJ
easat-10813	193	6	african	african	ADJ
easat-10813	193	7	car	car	NOUN
easat-10813	193	8	owners	owner	NOUN
easat-10813	193	9	aged	age	VERB
easat-10813	193	10	18	18	NUM
easat-10813	193	11	to	to	PART
easat-10813	193	12	65	65	NUM
easat-10813	193	13	,	,	PUNCT
easat-10813	193	14	aligning	align	VERB
easat-10813	193	15	with	with	ADP
easat-10813	193	16	the	the	DET
easat-10813	193	17	legal	legal	ADJ
easat-10813	193	18	driving	driving	NOUN
easat-10813	193	19	age	age	NOUN
easat-10813	193	20	and	and	CCONJ
easat-10813	193	21	representing	represent	VERB
easat-10813	193	22	a	a	DET
easat-10813	193	23	demographically	demographically	ADV
easat-10813	193	24	diverse	diverse	ADJ
easat-10813	193	25	group	group	NOUN
easat-10813	193	26	of	of	ADP
easat-10813	193	27	consumers	consumer	NOUN
easat-10813	193	28	.	.	PUNCT
easat-10813	194	1	the	the	DET
easat-10813	194	2	study	study	NOUN
easat-10813	194	3	focused	focus	VERB
easat-10813	194	4	on	on	ADP
easat-10813	194	5	residents	resident	NOUN
easat-10813	194	6	of	of	ADP
easat-10813	194	7	mahikeng	mahikeng	PROPN
easat-10813	194	8	and	and	CCONJ
easat-10813	194	9	mmabatho	mmabatho	NOUN
easat-10813	194	10	,	,	PUNCT
easat-10813	194	11	where	where	SCONJ
easat-10813	194	12	car	car	NOUN
easat-10813	194	13	ownership	ownership	NOUN
easat-10813	194	14	is	be	AUX
easat-10813	194	15	common	common	ADJ
easat-10813	194	16	,	,	PUNCT
easat-10813	194	17	and	and	CCONJ
easat-10813	194	18	digital	digital	ADJ
easat-10813	194	19	service	service	NOUN
easat-10813	194	20	adoption	adoption	NOUN
easat-10813	194	21	is	be	AUX
easat-10813	194	22	increasing	increase	VERB
easat-10813	194	23	.	.	PUNCT
easat-10813	195	1	the	the	DET
easat-10813	195	2	sample	sample	NOUN
easat-10813	195	3	size	size	NOUN
easat-10813	195	4	was	be	AUX
easat-10813	195	5	calculated	calculate	VERB
easat-10813	195	6	using	use	VERB
easat-10813	195	7	rao	rao	NOUN
easat-10813	195	8	-	-	PUNCT
easat-10813	195	9	soft	soft	ADJ
easat-10813	195	10	software	software	NOUN
easat-10813	195	11	based	base	VERB
easat-10813	195	12	on	on	ADP
easat-10813	195	13	a	a	DET
easat-10813	195	14	total	total	ADJ
easat-10813	195	15	population	population	NOUN
easat-10813	195	16	of	of	ADP
easat-10813	195	17	46,463	46,463	NUM
easat-10813	195	18	licensed	licensed	ADJ
easat-10813	195	19	vehicles	vehicle	NOUN
easat-10813	195	20	in	in	ADP
easat-10813	195	21	the	the	DET
easat-10813	195	22	mahikeng	mahikeng	PROPN
easat-10813	195	23	municipality	municipality	NOUN
easat-10813	195	24	.	.	PUNCT
easat-10813	196	1	with	with	ADP
easat-10813	196	2	a	a	DET
easat-10813	196	3	90	90	NUM
easat-10813	196	4	percent	percent	NOUN
easat-10813	196	5	confidence	confidence	NOUN
easat-10813	196	6	level	level	NOUN
easat-10813	196	7	,	,	PUNCT
easat-10813	196	8	5	5	NUM
easat-10813	196	9	percent	percent	NOUN
easat-10813	196	10	margin	margin	NOUN
easat-10813	196	11	of	of	ADP
easat-10813	196	12	error	error	NOUN
easat-10813	196	13	,	,	PUNCT
easat-10813	196	14	and	and	CCONJ
easat-10813	196	15	50	50	NUM
easat-10813	196	16	percent	percent	NOUN
easat-10813	196	17	response	response	NOUN
easat-10813	196	18	distribution	distribution	NOUN
easat-10813	196	19	,	,	PUNCT
easat-10813	196	20	the	the	DET
easat-10813	196	21	recommended	recommend	VERB
easat-10813	196	22	sample	sample	NOUN
easat-10813	196	23	size	size	NOUN
easat-10813	196	24	was	be	AUX
easat-10813	196	25	263	263	NUM
easat-10813	196	26	respondents	respondent	NOUN
easat-10813	196	27	.	.	PUNCT
easat-10813	197	1	ultimately	ultimately	ADV
easat-10813	197	2	,	,	PUNCT
easat-10813	197	3	200	200	NUM
easat-10813	197	4	valid	valid	ADJ
easat-10813	197	5	responses	response	NOUN
easat-10813	197	6	were	be	AUX
easat-10813	197	7	collected	collect	VERB
easat-10813	197	8	through	through	ADP
easat-10813	197	9	purposive	purposive	ADJ
easat-10813	197	10	sampling	sampling	NOUN
easat-10813	197	11	,	,	PUNCT
easat-10813	197	12	targeting	target	VERB
easat-10813	197	13	individuals	individual	NOUN
easat-10813	197	14	who	who	PRON
easat-10813	197	15	had	have	AUX
easat-10813	197	16	purchased	purchase	VERB
easat-10813	197	17	or	or	CCONJ
easat-10813	197	18	considered	consider	VERB
easat-10813	197	19	purchasing	purchase	VERB
easat-10813	197	20	car	car	NOUN
easat-10813	197	21	insurance	insurance	NOUN
easat-10813	197	22	online	online	ADV
easat-10813	197	23	.	.	PUNCT
easat-10813	198	1	while	while	SCONJ
easat-10813	198	2	this	this	DET
easat-10813	198	3	non	non	ADJ
easat-10813	198	4	-	-	ADJ
easat-10813	198	5	probability	probability	ADJ
easat-10813	198	6	sampling	sampling	NOUN
easat-10813	198	7	method	method	NOUN
easat-10813	198	8	enhances	enhance	VERB
easat-10813	198	9	contextual	contextual	ADJ
easat-10813	198	10	relevance	relevance	NOUN
easat-10813	198	11	,	,	PUNCT
easat-10813	198	12	it	it	PRON
easat-10813	198	13	may	may	AUX
easat-10813	198	14	limit	limit	VERB
easat-10813	198	15	broader	broad	ADJ
easat-10813	198	16	generalizability	generalizability	NOUN
easat-10813	198	17	.	.	PUNCT
easat-10813	199	1	the	the	DET
easat-10813	199	2	self	self	NOUN
easat-10813	199	3	-	-	PUNCT
easat-10813	199	4	administered	administer	VERB
easat-10813	199	5	questionnaire	questionnaire	NOUN
easat-10813	199	6	included	include	VERB
easat-10813	199	7	items	item	NOUN
easat-10813	199	8	aligned	align	VERB
easat-10813	199	9	with	with	ADP
easat-10813	199	10	constructs	construct	NOUN
easat-10813	199	11	from	from	ADP
easat-10813	199	12	the	the	DET
easat-10813	199	13	technology	technology	NOUN
easat-10813	199	14	acceptance	acceptance	NOUN
easat-10813	199	15	model	model	NOUN
easat-10813	199	16	(	(	PUNCT
easat-10813	199	17	tam	tam	PROPN
easat-10813	199	18	)	)	PUNCT
easat-10813	199	19	and	and	CCONJ
easat-10813	199	20	the	the	DET
easat-10813	199	21	theory	theory	NOUN
easat-10813	199	22	of	of	ADP
easat-10813	199	23	planned	plan	VERB
easat-10813	199	24	behavior	behavior	NOUN
easat-10813	199	25	(	(	PUNCT
easat-10813	199	26	tpb	tpb	NOUN
easat-10813	199	27	)	)	PUNCT
easat-10813	199	28	,	,	PUNCT
easat-10813	199	29	measured	measure	VERB
easat-10813	199	30	on	on	ADP
easat-10813	199	31	a	a	DET
easat-10813	199	32	5	5	NUM
easat-10813	199	33	-	-	PUNCT
easat-10813	199	34	point	point	NOUN
easat-10813	199	35	likert	likert	ADJ
easat-10813	199	36	scale	scale	NOUN
easat-10813	199	37	.	.	PUNCT
easat-10813	200	1	reliability	reliability	NOUN
easat-10813	200	2	was	be	AUX
easat-10813	200	3	assessed	assess	VERB
easat-10813	200	4	using	use	VERB
easat-10813	200	5	cronbach	cronbach	NOUN
easat-10813	200	6	's	's	PART
easat-10813	200	7	alpha	alpha	NOUN
easat-10813	200	8	,	,	PUNCT
easat-10813	200	9	with	with	ADP
easat-10813	200	10	all	all	DET
easat-10813	200	11	constructs	construct	NOUN
easat-10813	200	12	exceeding	exceed	VERB
easat-10813	200	13	the	the	DET
easat-10813	200	14	minimum	minimum	ADJ
easat-10813	200	15	threshold	threshold	NOUN
easat-10813	200	16	of	of	ADP
easat-10813	200	17	0.6	0.6	NUM
easat-10813	201	1	[	[	X
easat-10813	201	2	60	60	NUM
easat-10813	201	3	]	]	PUNCT
easat-10813	201	4	,	,	PUNCT
easat-10813	201	5	indicating	indicate	VERB
easat-10813	201	6	internal	internal	ADJ
easat-10813	201	7	consistency	consistency	NOUN
easat-10813	201	8	.	.	PUNCT
easat-10813	202	1	construct	construct	VERB
easat-10813	202	2	validity	validity	NOUN
easat-10813	202	3	was	be	AUX
easat-10813	202	4	supported	support	VERB
easat-10813	202	5	through	through	ADP
easat-10813	202	6	expert	expert	NOUN
easat-10813	202	7	review	review	NOUN
easat-10813	202	8	and	and	CCONJ
easat-10813	202	9	internal	internal	ADJ
easat-10813	202	10	item	item	NOUN
easat-10813	202	11	correlation	correlation	NOUN
easat-10813	202	12	.	.	PUNCT
easat-10813	203	1	data	datum	NOUN
easat-10813	203	2	were	be	AUX
easat-10813	203	3	analyzed	analyze	VERB
easat-10813	203	4	using	use	VERB
easat-10813	203	5	spss	spss	PROPN
easat-10813	203	6	,	,	PUNCT
easat-10813	203	7	with	with	ADP
easat-10813	203	8	pearson	pearson	PROPN
easat-10813	203	9	's	's	PART
easat-10813	203	10	chi	chi	ADJ
easat-10813	203	11	-	-	PUNCT
easat-10813	203	12	square	square	ADJ
easat-10813	203	13	test	test	NOUN
easat-10813	203	14	applied	apply	VERB
easat-10813	203	15	to	to	PART
easat-10813	203	16	examine	examine	VERB
easat-10813	203	17	statistically	statistically	ADV
easat-10813	203	18	significant	significant	ADJ
easat-10813	203	19	associations	association	NOUN
easat-10813	203	20	between	between	ADP
easat-10813	203	21	independent	independent	ADJ
easat-10813	203	22	variables	variable	NOUN
easat-10813	203	23	and	and	CCONJ
easat-10813	203	24	the	the	DET
easat-10813	203	25	online	online	ADJ
easat-10813	203	26	car	car	NOUN
easat-10813	203	27	insurance	insurance	NOUN
easat-10813	203	28	purchase	purchase	NOUN
easat-10813	203	29	decision	decision	NOUN
easat-10813	203	30	at	at	ADP
easat-10813	203	31	a	a	DET
easat-10813	203	32	significance	significance	NOUN
easat-10813	203	33	level	level	NOUN
easat-10813	203	34	of	of	ADP
easat-10813	203	35	p	p	NOUN
easat-10813	203	36	<	<	X
easat-10813	203	37	0.05	0.05	NUM
easat-10813	203	38	.	.	PUNCT
easat-10813	204	1	this	this	DET
easat-10813	204	2	approach	approach	NOUN
easat-10813	204	3	helped	helped	AUX
easat-10813	204	4	identify	identify	VERB
easat-10813	204	5	key	key	ADJ
easat-10813	204	6	decision	decision	NOUN
easat-10813	204	7	-	-	PUNCT
easat-10813	204	8	making	make	VERB
easat-10813	204	9	factors	factor	NOUN
easat-10813	204	10	among	among	ADP
easat-10813	204	11	consumers	consumer	NOUN
easat-10813	204	12	in	in	ADP
easat-10813	204	13	an	an	DET
easat-10813	204	14	emerging	emerge	VERB
easat-10813	204	15	digital	digital	ADJ
easat-10813	204	16	insurance	insurance	NOUN
easat-10813	204	17	landscape	landscape	NOUN
easat-10813	204	18	.	.	PUNCT
easat-10813	205	1	167	167	NUM
easat-10813	205	2	edelweiss	edelweiss	PROPN
easat-10813	205	3	applied	apply	VERB
easat-10813	205	4	science	science	NOUN
easat-10813	205	5	and	and	CCONJ
easat-10813	205	6	technology	technology	NOUN
easat-10813	205	7	issn	issn	PROPN
easat-10813	205	8	:	:	PUNCT
easat-10813	205	9	2576	2576	NUM
easat-10813	205	10	-	-	SYM
easat-10813	205	11	8484	8484	NUM
easat-10813	205	12	vol	vol	NOUN
easat-10813	205	13	.	.	PROPN
easat-10813	206	1	9	9	NUM
easat-10813	206	2	,	,	PUNCT
easat-10813	206	3	no	no	INTJ
easat-10813	206	4	.	.	NOUN
easat-10813	206	5	11	11	NUM
easat-10813	206	6	:	:	PUNCT
easat-10813	206	7	160	160	NUM
easat-10813	206	8	-	-	SYM
easat-10813	206	9	172	172	NUM
easat-10813	206	10	,	,	PUNCT
easat-10813	206	11	2025	2025	NUM
easat-10813	206	12	doi	doi	NOUN
easat-10813	206	13	:	:	PUNCT
easat-10813	206	14	10.55214/2576	10.55214/2576	NUM
easat-10813	206	15	-	-	SYM
easat-10813	206	16	8484.v9i11.10813	8484.v9i11.10813	NUM
easat-10813	207	1	©	©	ADP
easat-10813	207	2	2025	2025	NUM
easat-10813	207	3	by	by	ADP
easat-10813	207	4	the	the	DET
easat-10813	207	5	authors	author	NOUN
easat-10813	207	6	;	;	PUNCT
easat-10813	207	7	licensee	licensee	PROPN
easat-10813	207	8	learning	learning	NOUN
easat-10813	207	9	gate	gate	NOUN
easat-10813	207	10	6	6	NUM
easat-10813	207	11	.	.	PUNCT
easat-10813	207	12	results	result	NOUN
easat-10813	207	13	and	and	CCONJ
easat-10813	207	14	discussion	discussion	NOUN
easat-10813	207	15	in	in	ADP
easat-10813	207	16	order	order	NOUN
easat-10813	207	17	to	to	PART
easat-10813	207	18	determine	determine	VERB
easat-10813	207	19	the	the	DET
easat-10813	207	20	relationship	relationship	NOUN
easat-10813	207	21	between	between	ADP
easat-10813	207	22	different	different	ADJ
easat-10813	207	23	factors	factor	NOUN
easat-10813	207	24	and	and	CCONJ
easat-10813	207	25	online	online	ADJ
easat-10813	207	26	car	car	NOUN
easat-10813	207	27	insurance	insurance	NOUN
easat-10813	207	28	purchasing	purchasing	NOUN
easat-10813	207	29	decisions	decision	NOUN
easat-10813	208	1	,	,	PUNCT
easat-10813	208	2	this	this	DET
easat-10813	208	3	paper	paper	NOUN
easat-10813	208	4	first	first	ADV
easat-10813	208	5	discusses	discuss	VERB
easat-10813	208	6	reliability	reliability	NOUN
easat-10813	208	7	and	and	CCONJ
easat-10813	208	8	validity	validity	NOUN
easat-10813	208	9	to	to	PART
easat-10813	208	10	check	check	VERB
easat-10813	208	11	the	the	DET
easat-10813	208	12	agreement	agreement	NOUN
easat-10813	208	13	among	among	ADP
easat-10813	208	14	constructs	construct	NOUN
easat-10813	208	15	.	.	PUNCT
easat-10813	209	1	this	this	PRON
easat-10813	209	2	is	be	AUX
easat-10813	209	3	followed	follow	VERB
easat-10813	209	4	by	by	ADP
easat-10813	209	5	testing	test	VERB
easat-10813	209	6	their	their	PRON
easat-10813	209	7	association	association	NOUN
easat-10813	209	8	with	with	ADP
easat-10813	209	9	online	online	ADJ
easat-10813	209	10	purchasing	purchasing	NOUN
easat-10813	209	11	decisions	decision	NOUN
easat-10813	209	12	using	use	VERB
easat-10813	209	13	the	the	DET
easat-10813	209	14	chi	chi	NOUN
easat-10813	209	15	-	-	PUNCT
easat-10813	209	16	square	square	NOUN
easat-10813	209	17	.	.	PUNCT
easat-10813	210	1	6.1	6.1	NUM
easat-10813	210	2	.	.	PUNCT
easat-10813	210	3	presentation	presentation	NOUN
easat-10813	210	4	of	of	ADP
easat-10813	210	5	results	result	NOUN
easat-10813	210	6	6.1.1	6.1.1	NUM
easat-10813	210	7	.	.	PUNCT
easat-10813	211	1	reliability	reliability	NOUN
easat-10813	211	2	analysis	analysis	NOUN
easat-10813	211	3	to	to	PART
easat-10813	211	4	assess	assess	VERB
easat-10813	211	5	the	the	DET
easat-10813	211	6	internal	internal	ADJ
easat-10813	211	7	consistency	consistency	NOUN
easat-10813	211	8	of	of	ADP
easat-10813	211	9	the	the	DET
easat-10813	211	10	measurement	measurement	NOUN
easat-10813	211	11	constructs	construct	VERB
easat-10813	211	12	,	,	PUNCT
easat-10813	211	13	cronbach	cronbach	VERB
easat-10813	211	14	’s	’s	PART
easat-10813	211	15	alpha	alpha	NOUN
easat-10813	211	16	was	be	AUX
easat-10813	211	17	calculated	calculate	VERB
easat-10813	211	18	for	for	ADP
easat-10813	211	19	each	each	DET
easat-10813	211	20	factor	factor	NOUN
easat-10813	211	21	.	.	PUNCT
easat-10813	212	1	the	the	DET
easat-10813	212	2	results	result	NOUN
easat-10813	212	3	are	be	AUX
easat-10813	212	4	presented	present	VERB
easat-10813	212	5	in	in	ADP
easat-10813	212	6	table	table	NOUN
easat-10813	212	7	1	1	NUM
easat-10813	212	8	.	.	PUNCT
easat-10813	212	9	table	table	NOUN
easat-10813	212	10	1	1	NUM
easat-10813	212	11	.	.	PUNCT
easat-10813	212	12	internal	internal	ADJ
easat-10813	212	13	consistency	consistency	NOUN
easat-10813	212	14	of	of	ADP
easat-10813	212	15	measurement	measurement	NOUN
easat-10813	212	16	constructs	construct	NOUN
easat-10813	212	17	(	(	PUNCT
easat-10813	212	18	cronbach	cronbach	VERB
easat-10813	212	19	’s	’s	PART
easat-10813	212	20	alpha	alpha	NOUN
easat-10813	212	21	)	)	PUNCT
easat-10813	212	22	.	.	PUNCT
easat-10813	213	1	constructs	construct	VERB
easat-10813	213	2	cronbach	cronbach	VERB
easat-10813	213	3	’s	’s	PART
easat-10813	213	4	alpha	alpha	NOUN
easat-10813	213	5	(	(	PUNCT
easat-10813	213	6	α	α	NOUN
easat-10813	213	7	)	)	PUNCT
easat-10813	213	8	social	social	ADJ
easat-10813	213	9	media	medium	NOUN
easat-10813	213	10	usage	usage	NOUN
easat-10813	213	11	0.632	0.632	NUM
easat-10813	213	12	perceived	perceive	VERB
easat-10813	213	13	usefulness	usefulness	NOUN
easat-10813	213	14	0.600	0.600	NUM
easat-10813	213	15	attitude	attitude	NOUN
easat-10813	213	16	0.610	0.610	NUM
easat-10813	213	17	service	service	NOUN
easat-10813	213	18	quality	quality	NOUN
easat-10813	213	19	0.600	0.600	NUM
easat-10813	213	20	perceived	perceive	VERB
easat-10813	213	21	trust	trust	NOUN
easat-10813	213	22	0.641	0.641	NUM
easat-10813	213	23	perceived	perceive	VERB
easat-10813	213	24	tangibility	tangibility	NOUN
easat-10813	213	25	0.675	0.675	NUM
easat-10813	213	26	social	social	ADJ
easat-10813	213	27	media	medium	NOUN
easat-10813	213	28	promotion	promotion	NOUN
easat-10813	213	29	mix	mix	NOUN
easat-10813	213	30	0.661	0.661	NUM
easat-10813	213	31	note	note	NOUN
easat-10813	213	32	:	:	PUNCT
easat-10813	213	33	all	all	DET
easat-10813	213	34	constructs	construct	NOUN
easat-10813	213	35	exceeded	exceed	VERB
easat-10813	213	36	the	the	DET
easat-10813	213	37	reliability	reliability	NOUN
easat-10813	213	38	threshold	threshold	NOUN
easat-10813	213	39	of	of	ADP
easat-10813	213	40	0.6	0.6	NUM
easat-10813	213	41	.	.	PUNCT
easat-10813	214	1	as	as	SCONJ
easat-10813	214	2	indicated	indicate	VERB
easat-10813	214	3	in	in	ADP
easat-10813	214	4	table	table	NOUN
easat-10813	214	5	1	1	NUM
easat-10813	214	6	,	,	PUNCT
easat-10813	214	7	all	all	DET
easat-10813	214	8	constructs	construct	NOUN
easat-10813	214	9	exceeded	exceed	VERB
easat-10813	214	10	the	the	DET
easat-10813	214	11	acceptable	acceptable	ADJ
easat-10813	214	12	reliability	reliability	NOUN
easat-10813	214	13	threshold	threshold	NOUN
easat-10813	214	14	of	of	ADP
easat-10813	214	15	0.6	0.6	NUM
easat-10813	214	16	,	,	PUNCT
easat-10813	214	17	confirming	confirm	VERB
easat-10813	214	18	satisfactory	satisfactory	ADJ
easat-10813	214	19	internal	internal	ADJ
easat-10813	214	20	consistency	consistency	NOUN
easat-10813	214	21	.	.	PUNCT
easat-10813	215	1	social	social	ADJ
easat-10813	215	2	media	media	NOUN
easat-10813	215	3	usage	usage	NOUN
easat-10813	215	4	(	(	PUNCT
easat-10813	215	5	α	α	NOUN
easat-10813	215	6	=	=	NOUN
easat-10813	215	7	0.632	0.632	NUM
easat-10813	215	8	)	)	PUNCT
easat-10813	215	9	,	,	PUNCT
easat-10813	215	10	perceived	perceive	VERB
easat-10813	215	11	usefulness	usefulness	NOUN
easat-10813	215	12	(	(	PUNCT
easat-10813	215	13	α	α	NOUN
easat-10813	215	14	=	=	NOUN
easat-10813	215	15	0.600	0.600	NUM
easat-10813	215	16	)	)	PUNCT
easat-10813	215	17	,	,	PUNCT
easat-10813	215	18	attitude	attitude	NOUN
easat-10813	215	19	(	(	PUNCT
easat-10813	215	20	α	α	NOUN
easat-10813	215	21	=	=	PUNCT
easat-10813	215	22	0.610	0.610	NUM
easat-10813	215	23	)	)	PUNCT
easat-10813	215	24	,	,	PUNCT
easat-10813	215	25	service	service	NOUN
easat-10813	215	26	quality	quality	NOUN
easat-10813	215	27	(	(	PUNCT
easat-10813	215	28	α	α	NOUN
easat-10813	215	29	=	=	NOUN
easat-10813	215	30	0.600	0.600	NUM
easat-10813	215	31	)	)	PUNCT
easat-10813	215	32	,	,	PUNCT
easat-10813	215	33	perceived	perceive	VERB
easat-10813	215	34	trust	trust	NOUN
easat-10813	215	35	(	(	PUNCT
easat-10813	215	36	α	α	NOUN
easat-10813	215	37	=	=	NOUN
easat-10813	215	38	0.641	0.641	NUM
easat-10813	215	39	)	)	PUNCT
easat-10813	215	40	,	,	PUNCT
easat-10813	215	41	perceived	perceive	VERB
easat-10813	215	42	tangibility	tangibility	NOUN
easat-10813	215	43	(	(	PUNCT
easat-10813	215	44	α	α	NOUN
easat-10813	215	45	=	=	NOUN
easat-10813	215	46	0.675	0.675	NUM
easat-10813	215	47	)	)	PUNCT
easat-10813	215	48	,	,	PUNCT
easat-10813	215	49	and	and	CCONJ
easat-10813	215	50	social	social	ADJ
easat-10813	215	51	media	medium	NOUN
easat-10813	215	52	promotion	promotion	NOUN
easat-10813	215	53	mix	mix	NOUN
easat-10813	215	54	(	(	PUNCT
easat-10813	215	55	α	α	NOUN
easat-10813	215	56	=	=	NOUN
easat-10813	215	57	0.661	0.661	NUM
easat-10813	215	58	)	)	PUNCT
easat-10813	215	59	all	all	PRON
easat-10813	215	60	demonstrated	demonstrate	VERB
easat-10813	215	61	reliable	reliable	ADJ
easat-10813	215	62	measurement	measurement	NOUN
easat-10813	215	63	of	of	ADP
easat-10813	215	64	their	their	PRON
easat-10813	215	65	underlying	underlie	VERB
easat-10813	215	66	constructs	construct	NOUN
easat-10813	215	67	.	.	PUNCT
easat-10813	216	1	6.1.2	6.1.2	X
easat-10813	216	2	.	.	PUNCT
easat-10813	216	3	chi	chi	ADJ
easat-10813	216	4	-	-	PUNCT
easat-10813	216	5	square	square	ADJ
easat-10813	216	6	test	test	NOUN
easat-10813	216	7	analysis	analysis	NOUN
easat-10813	216	8	the	the	DET
easat-10813	216	9	chi	chi	ADJ
easat-10813	216	10	-	-	PUNCT
easat-10813	216	11	square	square	ADJ
easat-10813	216	12	test	test	NOUN
easat-10813	216	13	was	be	AUX
easat-10813	216	14	employed	employ	VERB
easat-10813	216	15	to	to	PART
easat-10813	216	16	examine	examine	VERB
easat-10813	216	17	the	the	DET
easat-10813	216	18	associations	association	NOUN
easat-10813	216	19	between	between	ADP
easat-10813	216	20	each	each	DET
easat-10813	216	21	independent	independent	ADJ
easat-10813	216	22	variable	variable	NOUN
easat-10813	216	23	and	and	CCONJ
easat-10813	216	24	the	the	DET
easat-10813	216	25	dependent	dependent	ADJ
easat-10813	216	26	variable	variable	NOUN
easat-10813	216	27	of	of	ADP
easat-10813	216	28	online	online	ADJ
easat-10813	216	29	car	car	NOUN
easat-10813	216	30	insurance	insurance	NOUN
easat-10813	216	31	purchase	purchase	NOUN
easat-10813	216	32	decision	decision	NOUN
easat-10813	216	33	.	.	PUNCT
easat-10813	217	1	the	the	DET
easat-10813	217	2	outcomes	outcome	NOUN
easat-10813	217	3	are	be	AUX
easat-10813	217	4	summarized	summarize	VERB
easat-10813	217	5	in	in	ADP
easat-10813	217	6	table	table	NOUN
easat-10813	217	7	2	2	NUM
easat-10813	217	8	.	.	PUNCT
easat-10813	217	9	table	table	NOUN
easat-10813	217	10	2	2	NUM
easat-10813	217	11	.	.	PUNCT
easat-10813	218	1	chi	chi	ADJ
easat-10813	218	2	-	-	PUNCT
easat-10813	218	3	square	square	ADJ
easat-10813	218	4	test	test	NOUN
easat-10813	218	5	results	result	NOUN
easat-10813	218	6	–	–	PUNCT
easat-10813	218	7	association	association	NOUN
easat-10813	218	8	with	with	ADP
easat-10813	218	9	online	online	ADJ
easat-10813	218	10	car	car	NOUN
easat-10813	218	11	insurance	insurance	NOUN
easat-10813	218	12	purchase	purchase	NOUN
easat-10813	218	13	decision	decision	NOUN
easat-10813	218	14	construct	construct	VERB
easat-10813	218	15	p	p	ADJ
easat-10813	218	16	-	-	PUNCT
easat-10813	218	17	value	value	NOUN
easat-10813	218	18	significant	significant	ADJ
easat-10813	218	19	(	(	PUNCT
easat-10813	218	20	p	p	X
easat-10813	218	21	<	<	X
easat-10813	218	22	0.05	0.05	NUM
easat-10813	218	23	)	)	PUNCT
easat-10813	218	24	social	social	ADJ
easat-10813	218	25	media	medium	NOUN
easat-10813	218	26	usage	usage	NOUN
easat-10813	218	27	0.067	0.067	NUM
easat-10813	218	28	no	no	DET
easat-10813	218	29	perceived	perceive	VERB
easat-10813	218	30	usefulness	usefulness	NOUN
easat-10813	218	31	–	–	PUNCT
easat-10813	218	32	–	–	PUNCT
easat-10813	218	33	attitude	attitude	NOUN
easat-10813	218	34	0.033	0.033	NUM
easat-10813	218	35	yes	yes	NOUN
easat-10813	218	36	service	service	NOUN
easat-10813	218	37	quality	quality	NOUN
easat-10813	218	38	0.005	0.005	NUM
easat-10813	218	39	yes	yes	NOUN
easat-10813	218	40	perceived	perceive	VERB
easat-10813	218	41	trust	trust	NOUN
easat-10813	218	42	0.031	0.031	NUM
easat-10813	218	43	yes	yes	INTJ
easat-10813	218	44	perceived	perceive	VERB
easat-10813	218	45	tangibility	tangibility	NOUN
easat-10813	218	46	0.406	0.406	NUM
easat-10813	218	47	no	no	DET
easat-10813	218	48	social	social	ADJ
easat-10813	218	49	media	medium	NOUN
easat-10813	218	50	promotion	promotion	NOUN
easat-10813	218	51	mix	mix	NOUN
easat-10813	218	52	0.001	0.001	NUM
easat-10813	218	53	yes	yes	PRON
easat-10813	218	54	note	note	NOUN
easat-10813	218	55	:	:	PUNCT
easat-10813	218	56	significant	significant	ADJ
easat-10813	218	57	associations	association	NOUN
easat-10813	218	58	were	be	AUX
easat-10813	218	59	observed	observe	VERB
easat-10813	218	60	for	for	ADP
easat-10813	218	61	attitude	attitude	NOUN
easat-10813	218	62	,	,	PUNCT
easat-10813	218	63	service	service	NOUN
easat-10813	218	64	quality	quality	NOUN
easat-10813	218	65	,	,	PUNCT
easat-10813	218	66	perceived	perceive	VERB
easat-10813	218	67	trust	trust	NOUN
easat-10813	218	68	,	,	PUNCT
easat-10813	218	69	and	and	CCONJ
easat-10813	218	70	social	social	ADJ
easat-10813	218	71	media	medium	NOUN
easat-10813	218	72	promotion	promotion	NOUN
easat-10813	218	73	mix	mix	NOUN
easat-10813	218	74	.	.	PUNCT
easat-10813	219	1	as	as	SCONJ
easat-10813	219	2	shown	show	VERB
easat-10813	219	3	in	in	ADP
easat-10813	219	4	table	table	NOUN
easat-10813	219	5	2	2	NUM
easat-10813	219	6	,	,	PUNCT
easat-10813	219	7	attitude	attitude	NOUN
easat-10813	219	8	(	(	PUNCT
easat-10813	219	9	p	p	X
easat-10813	219	10	=	=	NOUN
easat-10813	219	11	0.033	0.033	NUM
easat-10813	219	12	)	)	PUNCT
easat-10813	219	13	,	,	PUNCT
easat-10813	219	14	service	service	NOUN
easat-10813	219	15	quality	quality	NOUN
easat-10813	219	16	(	(	PUNCT
easat-10813	219	17	p	p	NOUN
easat-10813	219	18	=	=	NOUN
easat-10813	219	19	0.005	0.005	NUM
easat-10813	219	20	)	)	PUNCT
easat-10813	219	21	,	,	PUNCT
easat-10813	219	22	perceived	perceive	VERB
easat-10813	219	23	trust	trust	NOUN
easat-10813	219	24	(	(	PUNCT
easat-10813	219	25	p	p	X
easat-10813	219	26	=	=	NOUN
easat-10813	219	27	0.031	0.031	NUM
easat-10813	219	28	)	)	PUNCT
easat-10813	219	29	,	,	PUNCT
easat-10813	219	30	and	and	CCONJ
easat-10813	219	31	social	social	ADJ
easat-10813	219	32	media	medium	NOUN
easat-10813	219	33	promotion	promotion	NOUN
easat-10813	219	34	mix	mix	NOUN
easat-10813	219	35	(	(	PUNCT
easat-10813	219	36	p	p	NOUN
easat-10813	219	37	=	=	NOUN
easat-10813	219	38	0.001	0.001	NUM
easat-10813	219	39	)	)	PUNCT
easat-10813	219	40	were	be	AUX
easat-10813	219	41	found	find	VERB
easat-10813	219	42	to	to	PART
easat-10813	219	43	have	have	VERB
easat-10813	219	44	statistically	statistically	ADV
easat-10813	219	45	significant	significant	ADJ
easat-10813	219	46	associations	association	NOUN
easat-10813	219	47	with	with	ADP
easat-10813	219	48	online	online	ADJ
easat-10813	219	49	car	car	NOUN
easat-10813	219	50	insurance	insurance	NOUN
easat-10813	219	51	purchase	purchase	NOUN
easat-10813	219	52	decisions	decision	NOUN
easat-10813	219	53	.	.	PUNCT
easat-10813	220	1	these	these	DET
easat-10813	220	2	findings	finding	NOUN
easat-10813	220	3	highlight	highlight	VERB
easat-10813	220	4	the	the	DET
easat-10813	220	5	importance	importance	NOUN
easat-10813	220	6	of	of	ADP
easat-10813	220	7	these	these	DET
easat-10813	220	8	constructs	construct	NOUN
easat-10813	220	9	in	in	ADP
easat-10813	220	10	shaping	shape	VERB
easat-10813	220	11	consumer	consumer	NOUN
easat-10813	220	12	behavior	behavior	NOUN
easat-10813	220	13	.	.	PUNCT
easat-10813	221	1	in	in	ADP
easat-10813	221	2	contrast	contrast	NOUN
easat-10813	221	3	,	,	PUNCT
easat-10813	221	4	social	social	ADJ
easat-10813	221	5	media	media	NOUN
easat-10813	221	6	usage	usage	NOUN
easat-10813	221	7	(	(	PUNCT
easat-10813	221	8	p	p	X
easat-10813	221	9	=	=	NOUN
easat-10813	221	10	0.067	0.067	NUM
easat-10813	221	11	)	)	PUNCT
easat-10813	221	12	and	and	CCONJ
easat-10813	221	13	perceived	perceive	VERB
easat-10813	221	14	tangibility	tangibility	NOUN
easat-10813	221	15	(	(	PUNCT
easat-10813	221	16	p	p	NOUN
easat-10813	221	17	=	=	NOUN
easat-10813	221	18	0.406	0.406	NUM
easat-10813	221	19	)	)	PUNCT
easat-10813	221	20	did	do	AUX
easat-10813	221	21	not	not	PART
easat-10813	221	22	demonstrate	demonstrate	VERB
easat-10813	221	23	significant	significant	ADJ
easat-10813	221	24	associations	association	NOUN
easat-10813	221	25	,	,	PUNCT
easat-10813	221	26	suggesting	suggest	VERB
easat-10813	221	27	a	a	DET
easat-10813	221	28	limited	limited	ADJ
easat-10813	221	29	role	role	NOUN
easat-10813	221	30	in	in	ADP
easat-10813	221	31	influencing	influence	VERB
easat-10813	221	32	purchasing	purchasing	NOUN
easat-10813	221	33	decisions	decision	NOUN
easat-10813	221	34	in	in	ADP
easat-10813	221	35	this	this	DET
easat-10813	221	36	context	context	NOUN
easat-10813	221	37	.	.	PUNCT
easat-10813	222	1	6.2	6.2	NUM
easat-10813	222	2	.	.	PUNCT
easat-10813	222	3	discussion	discussion	NOUN
easat-10813	222	4	of	of	ADP
easat-10813	222	5	results	result	NOUN
easat-10813	222	6	168	168	NUM
easat-10813	222	7	edelweiss	edelweiss	PROPN
easat-10813	222	8	applied	apply	VERB
easat-10813	222	9	science	science	NOUN
easat-10813	222	10	and	and	CCONJ
easat-10813	222	11	technology	technology	NOUN
easat-10813	222	12	issn	issn	PROPN
easat-10813	222	13	:	:	PUNCT
easat-10813	222	14	2576	2576	NUM
easat-10813	222	15	-	-	SYM
easat-10813	222	16	8484	8484	NUM
easat-10813	222	17	vol	vol	NOUN
easat-10813	222	18	.	.	PROPN
easat-10813	223	1	9	9	NUM
easat-10813	223	2	,	,	PUNCT
easat-10813	223	3	no	no	INTJ
easat-10813	223	4	.	.	NOUN
easat-10813	223	5	11	11	NUM
easat-10813	223	6	:	:	PUNCT
easat-10813	223	7	160	160	NUM
easat-10813	223	8	-	-	SYM
easat-10813	223	9	172	172	NUM
easat-10813	223	10	,	,	PUNCT
easat-10813	223	11	2025	2025	NUM
easat-10813	223	12	doi	doi	NOUN
easat-10813	223	13	:	:	PUNCT
easat-10813	223	14	10.55214/2576	10.55214/2576	NUM
easat-10813	223	15	-	-	SYM
easat-10813	223	16	8484.v9i11.10813	8484.v9i11.10813	NUM
easat-10813	224	1	©	©	ADP
easat-10813	224	2	2025	2025	NUM
easat-10813	224	3	by	by	ADP
easat-10813	224	4	the	the	DET
easat-10813	224	5	authors	author	NOUN
easat-10813	224	6	;	;	PUNCT
easat-10813	224	7	licensee	licensee	PROPN
easat-10813	224	8	learning	learning	NOUN
easat-10813	224	9	gate	gate	VERB
easat-10813	224	10	the	the	DET
easat-10813	224	11	result	result	NOUN
easat-10813	224	12	of	of	ADP
easat-10813	224	13	this	this	DET
easat-10813	224	14	study	study	NOUN
easat-10813	224	15	reveals	reveal	VERB
easat-10813	224	16	insights	insight	NOUN
easat-10813	224	17	into	into	ADP
easat-10813	224	18	online	online	ADJ
easat-10813	224	19	car	car	NOUN
easat-10813	224	20	insurance	insurance	NOUN
easat-10813	224	21	purchases	purchase	NOUN
easat-10813	224	22	in	in	ADP
easat-10813	224	23	mahikeng	mahikeng	PROPN
easat-10813	224	24	.	.	PUNCT
easat-10813	225	1	among	among	ADP
easat-10813	225	2	the	the	DET
easat-10813	225	3	seven	seven	NUM
easat-10813	225	4	factors	factor	NOUN
easat-10813	225	5	examined	examine	VERB
easat-10813	225	6	,	,	PUNCT
easat-10813	225	7	attitude	attitude	NOUN
easat-10813	225	8	,	,	PUNCT
easat-10813	225	9	service	service	NOUN
easat-10813	225	10	quality	quality	NOUN
easat-10813	225	11	,	,	PUNCT
easat-10813	225	12	perceived	perceive	VERB
easat-10813	225	13	trust	trust	NOUN
easat-10813	225	14	,	,	PUNCT
easat-10813	225	15	and	and	CCONJ
easat-10813	225	16	social	social	ADJ
easat-10813	225	17	media	medium	NOUN
easat-10813	225	18	promotion	promotion	NOUN
easat-10813	225	19	mix	mix	NOUN
easat-10813	225	20	showed	show	VERB
easat-10813	225	21	statistically	statistically	ADV
easat-10813	225	22	significant	significant	ADJ
easat-10813	225	23	associations	association	NOUN
easat-10813	225	24	with	with	ADP
easat-10813	225	25	consumers	consumer	NOUN
easat-10813	225	26	’	'	PUNCT
easat-10813	225	27	likelihood	likelihood	NOUN
easat-10813	225	28	to	to	PART
easat-10813	225	29	purchase	purchase	VERB
easat-10813	225	30	insurance	insurance	NOUN
easat-10813	225	31	online	online	ADV
easat-10813	225	32	.	.	PUNCT
easat-10813	226	1	h01	h01	NOUN
easat-10813	226	2	:	:	PUNCT
easat-10813	226	3	there	there	PRON
easat-10813	226	4	is	be	VERB
easat-10813	226	5	no	no	DET
easat-10813	226	6	significant	significant	ADJ
easat-10813	226	7	relationship	relationship	NOUN
easat-10813	226	8	between	between	ADP
easat-10813	226	9	trust	trust	NOUN
easat-10813	226	10	and	and	CCONJ
easat-10813	226	11	online	online	ADJ
easat-10813	226	12	insurance	insurance	NOUN
easat-10813	226	13	purchasing	purchasing	NOUN
easat-10813	226	14	decisions	decision	NOUN
easat-10813	226	15	among	among	ADP
easat-10813	226	16	car	car	NOUN
easat-10813	226	17	owners	owner	NOUN
easat-10813	226	18	.	.	PUNCT
easat-10813	227	1	the	the	DET
easat-10813	227	2	finding	finding	NOUN
easat-10813	227	3	that	that	DET
easat-10813	227	4	attitude	attitude	NOUN
easat-10813	227	5	significantly	significantly	ADV
easat-10813	227	6	impacts	impact	VERB
easat-10813	227	7	online	online	ADJ
easat-10813	227	8	purchase	purchase	NOUN
easat-10813	227	9	behavior	behavior	NOUN
easat-10813	227	10	aligns	align	VERB
easat-10813	227	11	with	with	ADP
easat-10813	227	12	the	the	DET
easat-10813	227	13	theory	theory	NOUN
easat-10813	227	14	of	of	ADP
easat-10813	227	15	planned	plan	VERB
easat-10813	227	16	behavior	behavior	NOUN
easat-10813	227	17	(	(	PUNCT
easat-10813	227	18	tpb	tpb	NOUN
easat-10813	227	19	)	)	PUNCT
easat-10813	227	20	,	,	PUNCT
easat-10813	227	21	which	which	PRON
easat-10813	227	22	identifies	identify	VERB
easat-10813	227	23	attitude	attitude	NOUN
easat-10813	227	24	as	as	ADP
easat-10813	227	25	a	a	DET
easat-10813	227	26	primary	primary	ADJ
easat-10813	227	27	driver	driver	NOUN
easat-10813	227	28	of	of	ADP
easat-10813	227	29	behavioral	behavioral	ADJ
easat-10813	227	30	intention	intention	NOUN
easat-10813	227	31	.	.	PUNCT
easat-10813	228	1	consumers	consumer	NOUN
easat-10813	228	2	who	who	PRON
easat-10813	228	3	hold	hold	VERB
easat-10813	228	4	positive	positive	ADJ
easat-10813	228	5	beliefs	belief	NOUN
easat-10813	228	6	about	about	ADP
easat-10813	228	7	the	the	DET
easat-10813	228	8	convenience	convenience	NOUN
easat-10813	228	9	,	,	PUNCT
easat-10813	228	10	credibility	credibility	NOUN
easat-10813	228	11	,	,	PUNCT
easat-10813	228	12	or	or	CCONJ
easat-10813	228	13	value	value	NOUN
easat-10813	228	14	of	of	ADP
easat-10813	228	15	online	online	ADJ
easat-10813	228	16	insurance	insurance	NOUN
easat-10813	228	17	platforms	platform	NOUN
easat-10813	228	18	are	be	AUX
easat-10813	228	19	more	more	ADV
easat-10813	228	20	inclined	inclined	ADJ
easat-10813	228	21	to	to	PART
easat-10813	228	22	proceed	proceed	VERB
easat-10813	228	23	with	with	ADP
easat-10813	228	24	a	a	DET
easat-10813	228	25	digital	digital	ADJ
easat-10813	228	26	purchase	purchase	NOUN
easat-10813	228	27	.	.	PUNCT
easat-10813	229	1	this	this	PRON
easat-10813	229	2	supports	support	VERB
easat-10813	229	3	prior	prior	ADJ
easat-10813	229	4	research	research	NOUN
easat-10813	229	5	suggesting	suggest	VERB
easat-10813	229	6	that	that	SCONJ
easat-10813	229	7	strengthening	strengthen	VERB
easat-10813	229	8	consumer	consumer	NOUN
easat-10813	229	9	attitudes	attitude	NOUN
easat-10813	229	10	through	through	ADP
easat-10813	229	11	awareness	awareness	NOUN
easat-10813	229	12	and	and	CCONJ
easat-10813	229	13	user	user	NOUN
easat-10813	229	14	experience	experience	NOUN
easat-10813	229	15	can	can	AUX
easat-10813	229	16	improve	improve	VERB
easat-10813	229	17	adoption	adoption	NOUN
easat-10813	229	18	rates	rate	NOUN
easat-10813	229	19	[	[	X
easat-10813	229	20	36	36	NUM
easat-10813	229	21	,	,	PUNCT
easat-10813	229	22	52	52	NUM
easat-10813	229	23	]	]	PUNCT
easat-10813	229	24	.	.	PUNCT
easat-10813	230	1	h02	h02	NOUN
easat-10813	230	2	:	:	PUNCT
easat-10813	230	3	service	service	NOUN
easat-10813	230	4	quality	quality	NOUN
easat-10813	230	5	does	do	AUX
easat-10813	230	6	not	not	PART
easat-10813	230	7	significantly	significantly	ADV
easat-10813	230	8	affect	affect	VERB
easat-10813	230	9	online	online	ADJ
easat-10813	230	10	insurance	insurance	NOUN
easat-10813	230	11	purchasing	purchasing	NOUN
easat-10813	230	12	decisions	decision	NOUN
easat-10813	230	13	.	.	PUNCT
easat-10813	231	1	service	service	NOUN
easat-10813	231	2	quality	quality	NOUN
easat-10813	231	3	also	also	ADV
easat-10813	231	4	emerged	emerge	VERB
easat-10813	231	5	as	as	ADP
easat-10813	231	6	a	a	DET
easat-10813	231	7	critical	critical	ADJ
easat-10813	231	8	determinant	determinant	NOUN
easat-10813	231	9	.	.	PUNCT
easat-10813	232	1	in	in	ADP
easat-10813	232	2	the	the	DET
easat-10813	232	3	context	context	NOUN
easat-10813	232	4	of	of	ADP
easat-10813	232	5	intangible	intangible	ADJ
easat-10813	232	6	services	service	NOUN
easat-10813	232	7	like	like	ADP
easat-10813	232	8	insurance	insurance	NOUN
easat-10813	232	9	,	,	PUNCT
easat-10813	232	10	the	the	DET
easat-10813	232	11	perceived	perceive	VERB
easat-10813	232	12	reliability	reliability	NOUN
easat-10813	232	13	,	,	PUNCT
easat-10813	232	14	responsiveness	responsiveness	NOUN
easat-10813	232	15	,	,	PUNCT
easat-10813	232	16	and	and	CCONJ
easat-10813	232	17	professionalism	professionalism	NOUN
easat-10813	232	18	of	of	ADP
easat-10813	232	19	service	service	NOUN
easat-10813	232	20	delivery	delivery	NOUN
easat-10813	232	21	strongly	strongly	ADV
easat-10813	232	22	influence	influence	VERB
easat-10813	232	23	trust	trust	NOUN
easat-10813	232	24	and	and	CCONJ
easat-10813	232	25	satisfaction	satisfaction	NOUN
easat-10813	232	26	,	,	PUNCT
easat-10813	232	27	both	both	PRON
easat-10813	232	28	of	of	ADP
easat-10813	232	29	which	which	PRON
easat-10813	232	30	are	be	AUX
easat-10813	232	31	essential	essential	ADJ
easat-10813	232	32	for	for	ADP
easat-10813	232	33	digital	digital	ADJ
easat-10813	232	34	engagement	engagement	NOUN
easat-10813	232	35	.	.	PUNCT
easat-10813	233	1	this	this	PRON
easat-10813	233	2	reinforces	reinforce	VERB
easat-10813	233	3	findings	finding	NOUN
easat-10813	233	4	in	in	ADP
easat-10813	233	5	tam	tam	X
easat-10813	233	6	literature	literature	NOUN
easat-10813	233	7	,	,	PUNCT
easat-10813	233	8	where	where	SCONJ
easat-10813	233	9	system	system	NOUN
easat-10813	233	10	quality	quality	NOUN
easat-10813	233	11	and	and	CCONJ
easat-10813	233	12	ease	ease	NOUN
easat-10813	233	13	of	of	ADP
easat-10813	233	14	use	use	NOUN
easat-10813	233	15	directly	directly	ADV
easat-10813	233	16	affect	affect	VERB
easat-10813	233	17	perceived	perceive	VERB
easat-10813	233	18	usefulness	usefulness	NOUN
easat-10813	233	19	and	and	CCONJ
easat-10813	233	20	behavioral	behavioral	ADJ
easat-10813	233	21	intention	intention	NOUN
easat-10813	233	22	[	[	X
easat-10813	233	23	40	40	NUM
easat-10813	233	24	]	]	PUNCT
easat-10813	233	25	.	.	PUNCT
easat-10813	234	1	h03	h03	NOUN
easat-10813	234	2	:	:	PUNCT
easat-10813	234	3	social	social	ADJ
easat-10813	234	4	media	medium	NOUN
easat-10813	234	5	promotion	promotion	NOUN
easat-10813	234	6	mix	mix	NOUN
easat-10813	234	7	has	have	VERB
easat-10813	234	8	no	no	DET
easat-10813	234	9	significant	significant	ADJ
easat-10813	234	10	impact	impact	NOUN
easat-10813	234	11	on	on	ADP
easat-10813	234	12	the	the	DET
easat-10813	234	13	likelihood	likelihood	NOUN
easat-10813	234	14	of	of	ADP
easat-10813	234	15	purchasing	purchase	VERB
easat-10813	234	16	insurance	insurance	NOUN
easat-10813	234	17	online	online	ADV
easat-10813	234	18	.	.	PUNCT
easat-10813	235	1	perceived	perceive	VERB
easat-10813	235	2	trust	trust	NOUN
easat-10813	235	3	was	be	AUX
easat-10813	235	4	another	another	DET
easat-10813	235	5	strong	strong	ADJ
easat-10813	235	6	predictor	predictor	NOUN
easat-10813	235	7	,	,	PUNCT
easat-10813	235	8	reflecting	reflect	VERB
easat-10813	235	9	consumers	consumer	NOUN
easat-10813	235	10	’	'	PUNCT
easat-10813	235	11	need	need	VERB
easat-10813	235	12	for	for	ADP
easat-10813	235	13	assurance	assurance	NOUN
easat-10813	235	14	in	in	ADP
easat-10813	235	15	online	online	ADJ
easat-10813	235	16	environments	environment	NOUN
easat-10813	235	17	.	.	PUNCT
easat-10813	236	1	as	as	SCONJ
easat-10813	236	2	supported	support	VERB
easat-10813	236	3	by	by	ADP
easat-10813	236	4	both	both	DET
easat-10813	236	5	tam	tam	PROPN
easat-10813	236	6	and	and	CCONJ
easat-10813	236	7	tpb	tpb	NOUN
easat-10813	236	8	extensions	extension	NOUN
easat-10813	236	9	,	,	PUNCT
easat-10813	236	10	trust	trust	NOUN
easat-10813	236	11	enhances	enhance	VERB
easat-10813	236	12	both	both	DET
easat-10813	236	13	attitude	attitude	NOUN
easat-10813	236	14	and	and	CCONJ
easat-10813	236	15	perceived	perceive	VERB
easat-10813	236	16	control	control	NOUN
easat-10813	236	17	,	,	PUNCT
easat-10813	236	18	reducing	reduce	VERB
easat-10813	236	19	perceived	perceive	VERB
easat-10813	236	20	risk	risk	NOUN
easat-10813	236	21	and	and	CCONJ
easat-10813	236	22	strengthening	strengthen	VERB
easat-10813	236	23	intention	intention	NOUN
easat-10813	236	24	[	[	X
easat-10813	236	25	61	61	NUM
easat-10813	236	26	]	]	PUNCT
easat-10813	236	27	.	.	PUNCT
easat-10813	237	1	in	in	ADP
easat-10813	237	2	the	the	DET
easat-10813	237	3	south	south	ADJ
easat-10813	237	4	african	african	ADJ
easat-10813	237	5	digital	digital	ADJ
easat-10813	237	6	landscape	landscape	NOUN
easat-10813	237	7	,	,	PUNCT
easat-10813	237	8	transparency	transparency	NOUN
easat-10813	237	9	and	and	CCONJ
easat-10813	237	10	customer	customer	NOUN
easat-10813	237	11	support	support	NOUN
easat-10813	237	12	are	be	AUX
easat-10813	237	13	essential	essential	ADJ
easat-10813	237	14	to	to	ADP
easat-10813	237	15	building	build	VERB
easat-10813	237	16	trust	trust	NOUN
easat-10813	237	17	.	.	PUNCT
easat-10813	238	1	the	the	DET
easat-10813	238	2	significant	significant	ADJ
easat-10813	238	3	impact	impact	NOUN
easat-10813	238	4	of	of	ADP
easat-10813	238	5	the	the	DET
easat-10813	238	6	social	social	ADJ
easat-10813	238	7	media	medium	NOUN
easat-10813	238	8	promotion	promotion	NOUN
easat-10813	238	9	mix	mix	NOUN
easat-10813	238	10	further	further	ADJ
easat-10813	238	11	highlights	highlight	NOUN
easat-10813	238	12	the	the	DET
easat-10813	238	13	evolving	evolve	VERB
easat-10813	238	14	role	role	NOUN
easat-10813	238	15	of	of	ADP
easat-10813	238	16	digital	digital	ADJ
easat-10813	238	17	marketing	marketing	NOUN
easat-10813	238	18	in	in	ADP
easat-10813	238	19	shaping	shape	VERB
easat-10813	238	20	insurance	insurance	NOUN
easat-10813	238	21	behavior	behavior	NOUN
easat-10813	238	22	.	.	PUNCT
easat-10813	239	1	well	well	ADV
easat-10813	239	2	-	-	PUNCT
easat-10813	239	3	targeted	target	VERB
easat-10813	239	4	campaigns	campaign	NOUN
easat-10813	239	5	,	,	PUNCT
easat-10813	239	6	influencer	influencer	NOUN
easat-10813	239	7	endorsements	endorsement	NOUN
easat-10813	239	8	,	,	PUNCT
easat-10813	239	9	and	and	CCONJ
easat-10813	239	10	customer	customer	NOUN
easat-10813	239	11	testimonials	testimonial	NOUN
easat-10813	239	12	can	can	AUX
easat-10813	239	13	serve	serve	VERB
easat-10813	239	14	as	as	ADP
easat-10813	239	15	informational	informational	ADJ
easat-10813	239	16	and	and	CCONJ
easat-10813	239	17	normative	normative	ADJ
easat-10813	239	18	cues	cue	NOUN
easat-10813	239	19	,	,	PUNCT
easat-10813	239	20	influencing	influence	VERB
easat-10813	239	21	both	both	DET
easat-10813	239	22	attitudes	attitude	NOUN
easat-10813	239	23	and	and	CCONJ
easat-10813	239	24	subjective	subjective	ADJ
easat-10813	239	25	norms	norm	NOUN
easat-10813	239	26	as	as	SCONJ
easat-10813	239	27	outlined	outline	VERB
easat-10813	239	28	in	in	ADP
easat-10813	239	29	tpb	tpb	NOUN
easat-10813	239	30	[	[	X
easat-10813	239	31	62	62	NUM
easat-10813	239	32	]	]	PUNCT
easat-10813	239	33	.	.	PUNCT
easat-10813	240	1	conversely	conversely	ADV
easat-10813	240	2	,	,	PUNCT
easat-10813	240	3	social	social	ADJ
easat-10813	240	4	media	medium	NOUN
easat-10813	240	5	usage	usage	NOUN
easat-10813	240	6	and	and	CCONJ
easat-10813	240	7	perceived	perceive	VERB
easat-10813	240	8	tangibility	tangibility	NOUN
easat-10813	240	9	did	do	AUX
easat-10813	240	10	not	not	PART
easat-10813	240	11	show	show	VERB
easat-10813	240	12	significant	significant	ADJ
easat-10813	240	13	effects	effect	NOUN
easat-10813	240	14	.	.	PUNCT
easat-10813	241	1	this	this	PRON
easat-10813	241	2	suggests	suggest	VERB
easat-10813	241	3	that	that	SCONJ
easat-10813	241	4	simply	simply	ADV
easat-10813	241	5	being	be	AUX
easat-10813	241	6	active	active	ADJ
easat-10813	241	7	on	on	ADP
easat-10813	241	8	social	social	ADJ
easat-10813	241	9	platforms	platform	NOUN
easat-10813	241	10	is	be	AUX
easat-10813	241	11	insufficient	insufficient	ADJ
easat-10813	241	12	to	to	PART
easat-10813	241	13	influence	influence	VERB
easat-10813	241	14	insurance	insurance	NOUN
easat-10813	241	15	-	-	PUNCT
easat-10813	241	16	related	relate	VERB
easat-10813	241	17	decisions	decision	NOUN
easat-10813	241	18	unless	unless	SCONJ
easat-10813	241	19	paired	pair	VERB
easat-10813	241	20	with	with	ADP
easat-10813	241	21	credible	credible	ADJ
easat-10813	241	22	content	content	NOUN
easat-10813	241	23	and	and	CCONJ
easat-10813	241	24	perceived	perceive	VERB
easat-10813	241	25	value	value	NOUN
easat-10813	241	26	.	.	PUNCT
easat-10813	242	1	similarly	similarly	ADV
easat-10813	242	2	,	,	PUNCT
easat-10813	242	3	the	the	DET
easat-10813	242	4	intangible	intangible	ADJ
easat-10813	242	5	nature	nature	NOUN
easat-10813	242	6	of	of	ADP
easat-10813	242	7	insurance	insurance	NOUN
easat-10813	242	8	may	may	AUX
easat-10813	242	9	limit	limit	VERB
easat-10813	242	10	the	the	DET
easat-10813	242	11	relevance	relevance	NOUN
easat-10813	242	12	of	of	ADP
easat-10813	242	13	tangibility	tangibility	NOUN
easat-10813	242	14	cues	cue	VERB
easat-10813	242	15	in	in	ADP
easat-10813	242	16	this	this	DET
easat-10813	242	17	context	context	NOUN
easat-10813	242	18	.	.	PUNCT
easat-10813	243	1	overall	overall	ADV
easat-10813	243	2	,	,	PUNCT
easat-10813	243	3	the	the	DET
easat-10813	243	4	findings	finding	NOUN
easat-10813	243	5	affirm	affirm	VERB
easat-10813	243	6	that	that	SCONJ
easat-10813	243	7	behavioral	behavioral	ADJ
easat-10813	243	8	intention	intention	NOUN
easat-10813	243	9	in	in	ADP
easat-10813	243	10	online	online	ADJ
easat-10813	243	11	insurance	insurance	NOUN
easat-10813	243	12	purchasing	purchasing	NOUN
easat-10813	243	13	is	be	AUX
easat-10813	243	14	shaped	shape	VERB
easat-10813	243	15	by	by	ADP
easat-10813	243	16	a	a	DET
easat-10813	243	17	combination	combination	NOUN
easat-10813	243	18	of	of	ADP
easat-10813	243	19	attitudinal	attitudinal	ADJ
easat-10813	243	20	,	,	PUNCT
easat-10813	243	21	relational	relational	ADJ
easat-10813	243	22	,	,	PUNCT
easat-10813	243	23	and	and	CCONJ
easat-10813	243	24	promotional	promotional	ADJ
easat-10813	243	25	factors	factor	NOUN
easat-10813	243	26	,	,	PUNCT
easat-10813	243	27	consistent	consistent	ADJ
easat-10813	243	28	with	with	ADP
easat-10813	243	29	tam	tam	NOUN
easat-10813	243	30	and	and	CCONJ
easat-10813	243	31	tpb	tpb	NOUN
easat-10813	243	32	.	.	PUNCT
easat-10813	244	1	these	these	DET
easat-10813	244	2	insights	insight	NOUN
easat-10813	244	3	offer	offer	VERB
easat-10813	244	4	a	a	DET
easat-10813	244	5	foundational	foundational	ADJ
easat-10813	244	6	understanding	understanding	NOUN
easat-10813	244	7	for	for	ADP
easat-10813	244	8	refining	refine	VERB
easat-10813	244	9	digital	digital	ADJ
easat-10813	244	10	marketing	marketing	NOUN
easat-10813	244	11	strategies	strategy	NOUN
easat-10813	244	12	and	and	CCONJ
easat-10813	244	13	consumer	consumer	NOUN
easat-10813	244	14	engagement	engagement	NOUN
easat-10813	244	15	models	model	NOUN
easat-10813	244	16	in	in	ADP
easat-10813	244	17	emerging	emerge	VERB
easat-10813	244	18	insurance	insurance	NOUN
easat-10813	244	19	markets	market	NOUN
easat-10813	244	20	.	.	PUNCT
easat-10813	245	1	7	7	X
easat-10813	245	2	.	.	X
easat-10813	245	3	conclusion	conclusion	NOUN
easat-10813	245	4	and	and	CCONJ
easat-10813	245	5	recommendations	recommendation	NOUN
easat-10813	245	6	this	this	DET
easat-10813	245	7	study	study	NOUN
easat-10813	245	8	examined	examine	VERB
easat-10813	245	9	the	the	DET
easat-10813	245	10	key	key	ADJ
easat-10813	245	11	factors	factor	NOUN
easat-10813	245	12	influencing	influence	VERB
easat-10813	245	13	online	online	ADJ
easat-10813	245	14	car	car	NOUN
easat-10813	245	15	insurance	insurance	NOUN
easat-10813	245	16	purchasing	purchasing	NOUN
easat-10813	245	17	decisions	decision	NOUN
easat-10813	245	18	among	among	ADP
easat-10813	245	19	car	car	NOUN
easat-10813	245	20	owners	owner	NOUN
easat-10813	245	21	in	in	ADP
easat-10813	245	22	mahikeng	mahikeng	PROPN
easat-10813	245	23	,	,	PUNCT
easat-10813	245	24	using	use	VERB
easat-10813	245	25	constructs	construct	NOUN
easat-10813	245	26	derived	derive	VERB
easat-10813	245	27	from	from	ADP
easat-10813	245	28	the	the	DET
easat-10813	245	29	technology	technology	NOUN
easat-10813	245	30	acceptance	acceptance	NOUN
easat-10813	245	31	model	model	NOUN
easat-10813	245	32	(	(	PUNCT
easat-10813	245	33	tam	tam	PROPN
easat-10813	245	34	)	)	PUNCT
easat-10813	245	35	and	and	CCONJ
easat-10813	245	36	the	the	DET
easat-10813	245	37	theory	theory	NOUN
easat-10813	245	38	of	of	ADP
easat-10813	245	39	planned	plan	VERB
easat-10813	245	40	behavior	behavior	NOUN
easat-10813	245	41	(	(	PUNCT
easat-10813	245	42	tpb	tpb	NOUN
easat-10813	245	43	)	)	PUNCT
easat-10813	245	44	.	.	PUNCT
easat-10813	246	1	seven	seven	NUM
easat-10813	246	2	variables	variable	NOUN
easat-10813	246	3	were	be	AUX
easat-10813	246	4	tested	test	VERB
easat-10813	246	5	:	:	PUNCT
easat-10813	246	6	attitude	attitude	NOUN
easat-10813	246	7	,	,	PUNCT
easat-10813	246	8	service	service	NOUN
easat-10813	246	9	quality	quality	NOUN
easat-10813	246	10	,	,	PUNCT
easat-10813	246	11	perceived	perceive	VERB
easat-10813	246	12	trust	trust	NOUN
easat-10813	246	13	,	,	PUNCT
easat-10813	246	14	perceived	perceive	VERB
easat-10813	246	15	usefulness	usefulness	NOUN
easat-10813	246	16	,	,	PUNCT
easat-10813	246	17	social	social	ADJ
easat-10813	246	18	media	medium	NOUN
easat-10813	246	19	usage	usage	NOUN
easat-10813	246	20	,	,	PUNCT
easat-10813	246	21	perceived	perceive	VERB
easat-10813	246	22	tangibility	tangibility	NOUN
easat-10813	246	23	,	,	PUNCT
easat-10813	246	24	and	and	CCONJ
easat-10813	246	25	social	social	ADJ
easat-10813	246	26	media	medium	NOUN
easat-10813	246	27	promotion	promotion	NOUN
easat-10813	246	28	mix	mix	NOUN
easat-10813	246	29	.	.	PUNCT
easat-10813	247	1	among	among	ADP
easat-10813	247	2	these	these	PRON
easat-10813	247	3	,	,	PUNCT
easat-10813	247	4	attitude	attitude	NOUN
easat-10813	247	5	,	,	PUNCT
easat-10813	247	6	service	service	NOUN
easat-10813	247	7	quality	quality	NOUN
easat-10813	247	8	,	,	PUNCT
easat-10813	247	9	perceived	perceive	VERB
easat-10813	247	10	trust	trust	NOUN
easat-10813	247	11	,	,	PUNCT
easat-10813	247	12	and	and	CCONJ
easat-10813	247	13	social	social	ADJ
easat-10813	247	14	media	medium	NOUN
easat-10813	247	15	promotion	promotion	NOUN
easat-10813	247	16	mix	mix	NOUN
easat-10813	247	17	were	be	AUX
easat-10813	247	18	found	find	VERB
easat-10813	247	19	to	to	PART
easat-10813	247	20	have	have	VERB
easat-10813	247	21	statistically	statistically	ADV
easat-10813	247	22	significant	significant	ADJ
easat-10813	247	23	associations	association	NOUN
easat-10813	247	24	with	with	ADP
easat-10813	247	25	online	online	ADJ
easat-10813	247	26	purchase	purchase	NOUN
easat-10813	247	27	behavior	behavior	NOUN
easat-10813	247	28	.	.	PUNCT
easat-10813	248	1	the	the	DET
easat-10813	248	2	findings	finding	NOUN
easat-10813	248	3	confirm	confirm	VERB
easat-10813	248	4	that	that	SCONJ
easat-10813	248	5	positive	positive	ADJ
easat-10813	248	6	attitudes	attitude	NOUN
easat-10813	248	7	,	,	PUNCT
easat-10813	248	8	trust	trust	NOUN
easat-10813	248	9	in	in	ADP
easat-10813	248	10	digital	digital	ADJ
easat-10813	248	11	interactions	interaction	NOUN
easat-10813	248	12	,	,	PUNCT
easat-10813	248	13	high	high	ADJ
easat-10813	248	14	-	-	PUNCT
easat-10813	248	15	quality	quality	NOUN
easat-10813	248	16	service	service	NOUN
easat-10813	248	17	experiences	experience	NOUN
easat-10813	248	18	,	,	PUNCT
easat-10813	248	19	and	and	CCONJ
easat-10813	248	20	targeted	target	VERB
easat-10813	248	21	promotional	promotional	ADJ
easat-10813	248	22	strategies	strategy	NOUN
easat-10813	248	23	significantly	significantly	ADV
easat-10813	248	24	enhance	enhance	VERB
easat-10813	248	25	consumers	consumer	NOUN
easat-10813	248	26	’	'	PUNCT
easat-10813	248	27	likelihood	likelihood	NOUN
easat-10813	248	28	to	to	PART
easat-10813	248	29	purchase	purchase	VERB
easat-10813	248	30	car	car	NOUN
easat-10813	248	31	insurance	insurance	NOUN
easat-10813	248	32	online	online	ADV
easat-10813	248	33	.	.	PUNCT
easat-10813	249	1	these	these	PRON
easat-10813	249	2	results	result	VERB
easat-10813	249	3	support	support	VERB
easat-10813	249	4	and	and	CCONJ
easat-10813	249	5	extend	extend	VERB
easat-10813	249	6	tam	tam	NOUN
easat-10813	249	7	and	and	CCONJ
easat-10813	249	8	tpb	tpb	NOUN
easat-10813	249	9	by	by	ADP
easat-10813	249	10	validating	validate	VERB
easat-10813	249	11	their	their	PRON
easat-10813	249	12	constructs	construct	NOUN
easat-10813	249	13	within	within	ADP
easat-10813	249	14	the	the	DET
easat-10813	249	15	context	context	NOUN
easat-10813	249	16	of	of	ADP
easat-10813	249	17	a	a	DET
easat-10813	249	18	digitally	digitally	ADV
easat-10813	249	19	evolving	evolve	VERB
easat-10813	249	20	insurance	insurance	NOUN
easat-10813	249	21	market	market	NOUN
easat-10813	249	22	in	in	ADP
easat-10813	249	23	a	a	DET
easat-10813	249	24	developing	develop	VERB
easat-10813	249	25	region	region	NOUN
easat-10813	249	26	.	.	PUNCT
easat-10813	250	1	based	base	VERB
easat-10813	250	2	on	on	ADP
easat-10813	250	3	these	these	DET
easat-10813	250	4	insights	insight	NOUN
easat-10813	250	5	,	,	PUNCT
easat-10813	250	6	several	several	ADJ
easat-10813	250	7	recommendations	recommendation	NOUN
easat-10813	250	8	are	be	AUX
easat-10813	250	9	proposed	propose	VERB
easat-10813	250	10	for	for	ADP
easat-10813	250	11	online	online	ADJ
easat-10813	250	12	insurance	insurance	NOUN
easat-10813	250	13	providers	provider	NOUN
easat-10813	250	14	.	.	PUNCT
easat-10813	251	1	first	first	ADV
easat-10813	251	2	,	,	PUNCT
easat-10813	251	3	digital	digital	ADJ
easat-10813	251	4	marketing	marketing	NOUN
easat-10813	251	5	strategies	strategy	NOUN
easat-10813	251	6	should	should	AUX
easat-10813	251	7	focus	focus	VERB
easat-10813	251	8	on	on	ADP
easat-10813	251	9	building	build	VERB
easat-10813	251	10	trust	trust	NOUN
easat-10813	251	11	through	through	ADP
easat-10813	251	12	transparent	transparent	ADJ
easat-10813	251	13	communication	communication	NOUN
easat-10813	251	14	,	,	PUNCT
easat-10813	251	15	user	user	NOUN
easat-10813	251	16	-	-	PUNCT
easat-10813	251	17	friendly	friendly	ADJ
easat-10813	251	18	interfaces	interface	NOUN
easat-10813	251	19	,	,	PUNCT
easat-10813	251	20	and	and	CCONJ
easat-10813	251	21	real	real	ADJ
easat-10813	251	22	-	-	PUNCT
easat-10813	251	23	time	time	NOUN
easat-10813	251	24	customer	customer	NOUN
easat-10813	251	25	support	support	NOUN
easat-10813	251	26	.	.	PUNCT
easat-10813	252	1	second	second	ADV
easat-10813	252	2	,	,	PUNCT
easat-10813	252	3	enhancing	enhance	VERB
easat-10813	252	4	service	service	NOUN
easat-10813	252	5	quality	quality	NOUN
easat-10813	252	6	through	through	ADP
easat-10813	252	7	responsive	responsive	ADJ
easat-10813	252	8	claims	claim	NOUN
easat-10813	252	9	processing	processing	NOUN
easat-10813	252	10	,	,	PUNCT
easat-10813	252	11	personalized	personalized	ADJ
easat-10813	252	12	services	service	NOUN
easat-10813	252	13	,	,	PUNCT
easat-10813	252	14	and	and	CCONJ
easat-10813	252	15	multilingual	multilingual	ADJ
easat-10813	252	16	access	access	NOUN
easat-10813	252	17	could	could	AUX
easat-10813	252	18	strengthen	strengthen	VERB
easat-10813	252	19	consumer	consumer	NOUN
easat-10813	252	20	169	169	NUM
easat-10813	252	21	edelweiss	edelweiss	PROPN
easat-10813	252	22	applied	apply	VERB
easat-10813	252	23	science	science	NOUN
easat-10813	252	24	and	and	CCONJ
easat-10813	252	25	technology	technology	NOUN
easat-10813	252	26	issn	issn	PROPN
easat-10813	252	27	:	:	PUNCT
easat-10813	252	28	2576	2576	NUM
easat-10813	252	29	-	-	SYM
easat-10813	252	30	8484	8484	NUM
easat-10813	252	31	vol	vol	NOUN
easat-10813	252	32	.	.	PROPN
easat-10813	253	1	9	9	NUM
easat-10813	253	2	,	,	PUNCT
easat-10813	253	3	no	no	INTJ
easat-10813	253	4	.	.	NOUN
easat-10813	253	5	11	11	NUM
easat-10813	253	6	:	:	PUNCT
easat-10813	253	7	160	160	NUM
easat-10813	253	8	-	-	SYM
easat-10813	253	9	172	172	NUM
easat-10813	253	10	,	,	PUNCT
easat-10813	253	11	2025	2025	NUM
easat-10813	253	12	doi	doi	NOUN
easat-10813	253	13	:	:	PUNCT
easat-10813	253	14	10.55214/2576	10.55214/2576	NUM
easat-10813	253	15	-	-	SYM
easat-10813	253	16	8484.v9i11.10813	8484.v9i11.10813	NUM
easat-10813	254	1	©	©	ADP
easat-10813	254	2	2025	2025	NUM
easat-10813	254	3	by	by	ADP
easat-10813	254	4	the	the	DET
easat-10813	254	5	authors	author	NOUN
easat-10813	254	6	;	;	PUNCT
easat-10813	254	7	licensee	licensee	PROPN
easat-10813	254	8	learning	learn	VERB
easat-10813	254	9	gate	gate	NOUN
easat-10813	254	10	perceptions	perception	NOUN
easat-10813	254	11	and	and	CCONJ
easat-10813	254	12	satisfaction	satisfaction	NOUN
easat-10813	254	13	.	.	PUNCT
easat-10813	255	1	third	third	ADJ
easat-10813	255	2	,	,	PUNCT
easat-10813	255	3	the	the	DET
easat-10813	255	4	use	use	NOUN
easat-10813	255	5	of	of	ADP
easat-10813	255	6	targeted	target	VERB
easat-10813	255	7	social	social	ADJ
easat-10813	255	8	media	medium	NOUN
easat-10813	255	9	campaigns	campaign	NOUN
easat-10813	255	10	,	,	PUNCT
easat-10813	255	11	featuring	feature	VERB
easat-10813	255	12	clear	clear	ADJ
easat-10813	255	13	benefit	benefit	NOUN
easat-10813	255	14	comparisons	comparison	NOUN
easat-10813	255	15	and	and	CCONJ
easat-10813	255	16	customer	customer	NOUN
easat-10813	255	17	testimonials	testimonial	NOUN
easat-10813	255	18	,	,	PUNCT
easat-10813	255	19	may	may	AUX
easat-10813	255	20	improve	improve	VERB
easat-10813	255	21	attitudes	attitude	NOUN
easat-10813	255	22	and	and	CCONJ
easat-10813	255	23	reduce	reduce	VERB
easat-10813	255	24	hesitation	hesitation	NOUN
easat-10813	255	25	,	,	PUNCT
easat-10813	255	26	particularly	particularly	ADV
easat-10813	255	27	among	among	ADP
easat-10813	255	28	first	first	ADJ
easat-10813	255	29	-	-	PUNCT
easat-10813	255	30	time	time	NOUN
easat-10813	255	31	buyers	buyer	NOUN
easat-10813	255	32	.	.	PUNCT
easat-10813	256	1	while	while	SCONJ
easat-10813	256	2	the	the	DET
easat-10813	256	3	study	study	NOUN
easat-10813	256	4	provides	provide	VERB
easat-10813	256	5	relevant	relevant	ADJ
easat-10813	256	6	and	and	CCONJ
easat-10813	256	7	context	context	NOUN
easat-10813	256	8	-	-	PUNCT
easat-10813	256	9	specific	specific	ADJ
easat-10813	256	10	findings	finding	NOUN
easat-10813	256	11	,	,	PUNCT
easat-10813	256	12	it	it	PRON
easat-10813	256	13	is	be	AUX
easat-10813	256	14	not	not	PART
easat-10813	256	15	without	without	ADP
easat-10813	256	16	limitations	limitation	NOUN
easat-10813	256	17	.	.	PUNCT
easat-10813	257	1	the	the	DET
easat-10813	257	2	use	use	NOUN
easat-10813	257	3	of	of	ADP
easat-10813	257	4	non	non	ADJ
easat-10813	257	5	-	-	ADJ
easat-10813	257	6	probability	probability	ADJ
easat-10813	257	7	purposive	purposive	ADJ
easat-10813	257	8	sampling	sampling	NOUN
easat-10813	257	9	limits	limit	NOUN
easat-10813	257	10	the	the	DET
easat-10813	257	11	generalizability	generalizability	NOUN
easat-10813	257	12	of	of	ADP
easat-10813	257	13	the	the	DET
easat-10813	257	14	results	result	NOUN
easat-10813	257	15	beyond	beyond	ADP
easat-10813	257	16	mahikeng	mahikeng	PROPN
easat-10813	257	17	and	and	CCONJ
easat-10813	257	18	similar	similar	ADJ
easat-10813	257	19	municipalities	municipality	NOUN
easat-10813	257	20	.	.	PUNCT
easat-10813	258	1	additionally	additionally	ADV
easat-10813	258	2	,	,	PUNCT
easat-10813	258	3	reliance	reliance	NOUN
easat-10813	258	4	on	on	ADP
easat-10813	258	5	self	self	NOUN
easat-10813	258	6	-	-	PUNCT
easat-10813	258	7	reported	report	VERB
easat-10813	258	8	data	datum	NOUN
easat-10813	258	9	may	may	AUX
easat-10813	258	10	introduce	introduce	VERB
easat-10813	258	11	social	social	ADJ
easat-10813	258	12	desirability	desirability	NOUN
easat-10813	258	13	bias	bias	NOUN
easat-10813	258	14	,	,	PUNCT
easat-10813	258	15	and	and	CCONJ
easat-10813	258	16	the	the	DET
easat-10813	258	17	cross	cross	ADJ
easat-10813	258	18	-	-	ADJ
easat-10813	258	19	sectional	sectional	ADJ
easat-10813	258	20	nature	nature	NOUN
easat-10813	258	21	of	of	ADP
easat-10813	258	22	the	the	DET
easat-10813	258	23	study	study	NOUN
easat-10813	258	24	does	do	AUX
easat-10813	258	25	not	not	PART
easat-10813	258	26	allow	allow	VERB
easat-10813	258	27	for	for	ADP
easat-10813	258	28	tracking	track	VERB
easat-10813	258	29	changes	change	NOUN
easat-10813	258	30	over	over	ADP
easat-10813	258	31	time	time	NOUN
easat-10813	258	32	.	.	PUNCT
easat-10813	259	1	future	future	ADJ
easat-10813	259	2	research	research	NOUN
easat-10813	259	3	should	should	AUX
easat-10813	259	4	consider	consider	VERB
easat-10813	259	5	adopting	adopt	VERB
easat-10813	259	6	a	a	DET
easat-10813	259	7	longitudinal	longitudinal	ADJ
easat-10813	259	8	design	design	NOUN
easat-10813	259	9	to	to	PART
easat-10813	259	10	observe	observe	VERB
easat-10813	259	11	how	how	SCONJ
easat-10813	259	12	digital	digital	ADJ
easat-10813	259	13	insurance	insurance	NOUN
easat-10813	259	14	behavior	behavior	NOUN
easat-10813	259	15	evolves	evolve	VERB
easat-10813	259	16	.	.	PUNCT
easat-10813	260	1	further	further	ADJ
easat-10813	260	2	studies	study	NOUN
easat-10813	260	3	could	could	AUX
easat-10813	260	4	also	also	ADV
easat-10813	260	5	explore	explore	VERB
easat-10813	260	6	mediating	mediate	VERB
easat-10813	260	7	or	or	CCONJ
easat-10813	260	8	moderating	moderating	NOUN
easat-10813	260	9	effects	effect	NOUN
easat-10813	260	10	of	of	ADP
easat-10813	260	11	factors	factor	NOUN
easat-10813	260	12	such	such	ADJ
easat-10813	260	13	as	as	ADP
easat-10813	260	14	digital	digital	ADJ
easat-10813	260	15	literacy	literacy	NOUN
easat-10813	260	16	,	,	PUNCT
easat-10813	260	17	mobile	mobile	ADJ
easat-10813	260	18	accessibility	accessibility	NOUN
easat-10813	260	19	,	,	PUNCT
easat-10813	260	20	or	or	CCONJ
easat-10813	260	21	generational	generational	ADJ
easat-10813	260	22	differences	difference	NOUN
easat-10813	260	23	.	.	PUNCT
easat-10813	261	1	expanding	expand	VERB
easat-10813	261	2	the	the	DET
easat-10813	261	3	model	model	NOUN
easat-10813	261	4	across	across	ADP
easat-10813	261	5	other	other	ADJ
easat-10813	261	6	regions	region	NOUN
easat-10813	261	7	or	or	CCONJ
easat-10813	261	8	including	include	VERB
easat-10813	261	9	additional	additional	ADJ
easat-10813	261	10	constructs	construct	NOUN
easat-10813	261	11	such	such	ADJ
easat-10813	261	12	as	as	ADP
easat-10813	261	13	perceived	perceive	VERB
easat-10813	261	14	risk	risk	NOUN
easat-10813	261	15	,	,	PUNCT
easat-10813	261	16	e	e	NOUN
easat-10813	261	17	-	-	NOUN
easat-10813	261	18	trust	trust	ADJ
easat-10813	261	19	mechanisms	mechanism	NOUN
easat-10813	261	20	,	,	PUNCT
easat-10813	261	21	or	or	CCONJ
easat-10813	261	22	price	price	NOUN
easat-10813	261	23	sensitivity	sensitivity	NOUN
easat-10813	261	24	would	would	AUX
easat-10813	261	25	offer	offer	VERB
easat-10813	261	26	deeper	deep	ADJ
easat-10813	261	27	insights	insight	NOUN
easat-10813	261	28	into	into	ADP
easat-10813	261	29	the	the	DET
easat-10813	261	30	dynamics	dynamic	NOUN
easat-10813	261	31	of	of	ADP
easat-10813	261	32	online	online	ADJ
easat-10813	261	33	insurance	insurance	NOUN
easat-10813	261	34	adoption	adoption	NOUN
easat-10813	261	35	in	in	ADP
easat-10813	261	36	emerging	emerge	VERB
easat-10813	261	37	markets	market	NOUN
easat-10813	261	38	.	.	PUNCT
easat-10813	262	1	funding	funding	NOUN
easat-10813	262	2	:	:	PUNCT
easat-10813	262	3	this	this	DET
easat-10813	262	4	research	research	NOUN
easat-10813	262	5	was	be	AUX
easat-10813	262	6	funded	fund	VERB
easat-10813	262	7	by	by	ADP
easat-10813	262	8	the	the	DET
easat-10813	262	9	department	department	PROPN
easat-10813	262	10	of	of	ADP
easat-10813	262	11	economics	economic	NOUN
easat-10813	262	12	and	and	CCONJ
easat-10813	262	13	management	management	NOUN
easat-10813	262	14	sciences	science	NOUN
easat-10813	262	15	,	,	PUNCT
easat-10813	262	16	faculty	faculty	NOUN
easat-10813	262	17	of	of	ADP
easat-10813	262	18	management	management	NOUN
easat-10813	262	19	sciences	science	NOUN
easat-10813	262	20	,	,	PUNCT
easat-10813	262	21	north	north	NOUN
easat-10813	262	22	-	-	PUNCT
easat-10813	262	23	west	west	NOUN
easat-10813	262	24	university	university	NOUN
easat-10813	262	25	.	.	PUNCT
easat-10813	263	1	the	the	DET
easat-10813	263	2	invoice	invoice	NOUN
easat-10813	263	3	for	for	ADP
easat-10813	263	4	the	the	DET
easat-10813	263	5	article	article	NOUN
easat-10813	263	6	processing	processing	NOUN
easat-10813	263	7	charge	charge	NOUN
easat-10813	263	8	was	be	AUX
easat-10813	263	9	submitted	submit	VERB
easat-10813	263	10	by	by	ADP
easat-10813	263	11	prof	prof	NOUN
easat-10813	263	12	.	.	PUNCT
easat-10813	264	1	marius	marius	PROPN
easat-10813	264	2	potgieter	potgieter	PROPN
easat-10813	264	3	.	.	PUNCT
easat-10813	265	1	this	this	DET
easat-10813	265	2	study	study	NOUN
easat-10813	265	3	adhered	adhere	VERB
easat-10813	265	4	to	to	ADP
easat-10813	265	5	the	the	DET
easat-10813	265	6	ethical	ethical	ADJ
easat-10813	265	7	standards	standard	NOUN
easat-10813	265	8	of	of	ADP
easat-10813	265	9	academic	academic	ADJ
easat-10813	265	10	research	research	NOUN
easat-10813	265	11	and	and	CCONJ
easat-10813	265	12	was	be	AUX
easat-10813	265	13	granted	grant	VERB
easat-10813	265	14	clearance	clearance	NOUN
easat-10813	265	15	by	by	ADP
easat-10813	265	16	the	the	DET
easat-10813	265	17	faculty	faculty	NOUN
easat-10813	265	18	of	of	ADP
easat-10813	265	19	management	management	NOUN
easat-10813	265	20	sciences	science	NOUN
easat-10813	265	21	,	,	PUNCT
easat-10813	265	22	north	north	NOUN
easat-10813	265	23	-	-	PUNCT
easat-10813	265	24	west	west	NOUN
easat-10813	265	25	university	university	NOUN
easat-10813	265	26	,	,	PUNCT
easat-10813	265	27	in	in	ADP
easat-10813	265	28	line	line	NOUN
easat-10813	265	29	with	with	ADP
easat-10813	265	30	the	the	DET
easat-10813	265	31	university	university	NOUN
easat-10813	265	32	’s	’s	PART
easat-10813	265	33	research	research	NOUN
easat-10813	265	34	policy	policy	NOUN
easat-10813	265	35	.	.	PUNCT
easat-10813	266	1	participants	participant	NOUN
easat-10813	266	2	’	'	PUNCT
easat-10813	266	3	privacy	privacy	NOUN
easat-10813	266	4	was	be	AUX
easat-10813	266	5	respected	respect	VERB
easat-10813	266	6	throughout	throughout	ADP
easat-10813	266	7	the	the	DET
easat-10813	266	8	process	process	NOUN
easat-10813	266	9	,	,	PUNCT
easat-10813	266	10	and	and	CCONJ
easat-10813	266	11	all	all	DET
easat-10813	266	12	information	information	NOUN
easat-10813	266	13	gathered	gather	VERB
easat-10813	266	14	was	be	AUX
easat-10813	266	15	treated	treat	VERB
easat-10813	266	16	with	with	ADP
easat-10813	266	17	confidentiality	confidentiality	NOUN
easat-10813	266	18	.	.	PUNCT
easat-10813	267	1	informed	inform	VERB
easat-10813	267	2	consent	consent	NOUN
easat-10813	267	3	was	be	AUX
easat-10813	267	4	obtained	obtain	VERB
easat-10813	267	5	from	from	ADP
easat-10813	267	6	all	all	DET
easat-10813	267	7	respondents	respondent	NOUN
easat-10813	267	8	prior	prior	ADV
easat-10813	267	9	to	to	ADP
easat-10813	267	10	participation	participation	NOUN
easat-10813	267	11	.	.	PUNCT
easat-10813	268	1	all	all	DET
easat-10813	268	2	general	general	ADJ
easat-10813	268	3	research	research	NOUN
easat-10813	268	4	ethics	ethic	NOUN
easat-10813	268	5	and	and	CCONJ
easat-10813	268	6	conventions	convention	NOUN
easat-10813	268	7	were	be	AUX
easat-10813	268	8	observed	observe	VERB
easat-10813	268	9	during	during	ADP
easat-10813	268	10	the	the	DET
easat-10813	268	11	study	study	NOUN
easat-10813	268	12	,	,	PUNCT
easat-10813	268	13	and	and	CCONJ
easat-10813	268	14	all	all	DET
easat-10813	268	15	consulted	consult	VERB
easat-10813	268	16	sources	source	NOUN
easat-10813	268	17	were	be	AUX
easat-10813	268	18	duly	duly	ADV
easat-10813	268	19	acknowledged	acknowledge	VERB
easat-10813	268	20	.	.	PUNCT
easat-10813	269	1	transparency	transparency	NOUN
easat-10813	269	2	:	:	PUNCT
easat-10813	269	3	the	the	DET
easat-10813	269	4	authors	author	NOUN
easat-10813	269	5	confirm	confirm	VERB
easat-10813	269	6	that	that	SCONJ
easat-10813	269	7	the	the	DET
easat-10813	269	8	manuscript	manuscript	NOUN
easat-10813	269	9	is	be	AUX
easat-10813	269	10	an	an	DET
easat-10813	269	11	honest	honest	ADJ
easat-10813	269	12	,	,	PUNCT
easat-10813	269	13	accurate	accurate	ADJ
easat-10813	269	14	,	,	PUNCT
easat-10813	269	15	and	and	CCONJ
easat-10813	269	16	transparent	transparent	ADJ
easat-10813	269	17	account	account	NOUN
easat-10813	269	18	of	of	ADP
easat-10813	269	19	the	the	DET
easat-10813	269	20	study	study	NOUN
easat-10813	269	21	;	;	PUNCT
easat-10813	269	22	that	that	SCONJ
easat-10813	269	23	no	no	DET
easat-10813	269	24	vital	vital	ADJ
easat-10813	269	25	features	feature	NOUN
easat-10813	269	26	of	of	ADP
easat-10813	269	27	the	the	DET
easat-10813	269	28	study	study	NOUN
easat-10813	269	29	have	have	AUX
easat-10813	269	30	been	be	AUX
easat-10813	269	31	omitted	omit	VERB
easat-10813	269	32	;	;	PUNCT
easat-10813	269	33	and	and	CCONJ
easat-10813	269	34	that	that	SCONJ
easat-10813	269	35	any	any	DET
easat-10813	269	36	discrepancies	discrepancy	NOUN
easat-10813	269	37	from	from	ADP
easat-10813	269	38	the	the	DET
easat-10813	269	39	study	study	NOUN
easat-10813	269	40	as	as	SCONJ
easat-10813	269	41	planned	plan	VERB
easat-10813	269	42	have	have	AUX
easat-10813	269	43	been	be	AUX
easat-10813	269	44	explained	explain	VERB
easat-10813	269	45	.	.	PUNCT
easat-10813	270	1	this	this	DET
easat-10813	270	2	study	study	NOUN
easat-10813	270	3	followed	follow	VERB
easat-10813	270	4	all	all	DET
easat-10813	270	5	ethical	ethical	ADJ
easat-10813	270	6	practices	practice	NOUN
easat-10813	270	7	during	during	ADP
easat-10813	270	8	writing	writing	NOUN
easat-10813	270	9	.	.	PUNCT
easat-10813	271	1	copyright	copyright	NOUN
easat-10813	271	2	:	:	PUNCT
easat-10813	271	3	©	©	PROPN
easat-10813	271	4	2025	2025	NUM
easat-10813	271	5	by	by	ADP
easat-10813	271	6	the	the	DET
easat-10813	271	7	authors	author	NOUN
easat-10813	271	8	.	.	PUNCT
easat-10813	272	1	this	this	DET
easat-10813	272	2	article	article	NOUN
easat-10813	272	3	is	be	AUX
easat-10813	272	4	an	an	DET
easat-10813	272	5	open	open	ADJ
easat-10813	272	6	-	-	PUNCT
easat-10813	272	7	access	access	NOUN
easat-10813	272	8	article	article	NOUN
easat-10813	272	9	distributed	distribute	VERB
easat-10813	272	10	under	under	ADP
easat-10813	272	11	the	the	DET
easat-10813	272	12	terms	term	NOUN
easat-10813	272	13	and	and	CCONJ
easat-10813	272	14	conditions	condition	NOUN
easat-10813	272	15	of	of	ADP
easat-10813	272	16	the	the	DET
easat-10813	272	17	creative	creative	ADJ
easat-10813	272	18	commons	common	NOUN
easat-10813	272	19	attribution	attribution	NOUN
easat-10813	272	20	(	(	PUNCT
easat-10813	272	21	cc	cc	NOUN
easat-10813	272	22	by	by	ADP
easat-10813	272	23	)	)	PUNCT
easat-10813	272	24	license	license	NOUN
easat-10813	272	25	(	(	PUNCT
easat-10813	272	26	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-10813	272	27	)	)	PUNCT
easat-10813	272	28	.	.	PUNCT
easat-10813	273	1	references	reference	NOUN
easat-10813	273	2	[	[	X
easat-10813	273	3	1	1	NUM
easat-10813	273	4	]	]	PUNCT
easat-10813	273	5	n.	n.	NOUN
easat-10813	273	6	lissy	lissy	PROPN
easat-10813	273	7	,	,	PUNCT
easat-10813	273	8	v.	v.	ADP
easat-10813	273	9	bhuvaneswari	bhuvaneswari	NOUN
easat-10813	273	10	,	,	PUNCT
easat-10813	273	11	and	and	CCONJ
easat-10813	273	12	m.	m.	PROPN
easat-10813	273	13	e.	e.	PROPN
easat-10813	273	14	krupa	krupa	PROPN
easat-10813	273	15	,	,	PUNCT
easat-10813	273	16	"	"	PUNCT
easat-10813	273	17	impact	impact	NOUN
easat-10813	273	18	of	of	ADP
easat-10813	273	19	digital	digital	ADJ
easat-10813	273	20	transformation	transformation	NOUN
easat-10813	273	21	in	in	ADP
easat-10813	273	22	the	the	DET
easat-10813	273	23	insurance	insurance	NOUN
easat-10813	273	24	industry	industry	NOUN
easat-10813	273	25	,	,	PUNCT
easat-10813	273	26	"	"	PUNCT
easat-10813	273	27	digitalization	digitalization	NOUN
easat-10813	273	28	of	of	ADP
easat-10813	273	29	the	the	DET
easat-10813	273	30	insurance	insurance	NOUN
easat-10813	273	31	sector	sector	NOUN
easat-10813	273	32	,	,	PUNCT
easat-10813	273	33	vol	vol	NOUN
easat-10813	273	34	.	.	PROPN
easat-10813	273	35	71	71	NUM
easat-10813	273	36	,	,	PUNCT
easat-10813	273	37	2023	2023	NUM
easat-10813	273	38	.	.	PUNCT
easat-10813	274	1	[	[	X
easat-10813	274	2	2	2	NUM
easat-10813	274	3	]	]	X
easat-10813	274	4	g.	g.	PROPN
easat-10813	274	5	verhoef	verhoef	PROPN
easat-10813	274	6	,	,	PUNCT
easat-10813	274	7	from	from	ADP
easat-10813	274	8	missionaries	missionary	NOUN
easat-10813	274	9	to	to	ADP
easat-10813	274	10	entrepreneurs	entrepreneur	NOUN
easat-10813	274	11	in	in	ADP
easat-10813	274	12	the	the	DET
easat-10813	274	13	business	business	NOUN
easat-10813	274	14	of	of	ADP
easat-10813	274	15	hospitals	hospital	NOUN
easat-10813	274	16	in	in	ADP
easat-10813	274	17	africa	africa	PROPN
easat-10813	274	18	.	.	PUNCT
easat-10813	275	1	in	in	ADP
easat-10813	275	2	business	business	NOUN
easat-10813	275	3	history	history	NOUN
easat-10813	275	4	of	of	ADP
easat-10813	275	5	hospitals	hospital	NOUN
easat-10813	275	6	in	in	ADP
easat-10813	275	7	the	the	DET
easat-10813	275	8	20th	20th	ADJ
easat-10813	275	9	century	century	NOUN
easat-10813	275	10	:	:	PUNCT
easat-10813	275	11	entrepreneurship	entrepreneurship	NOUN
easat-10813	275	12	,	,	PUNCT
easat-10813	275	13	organization	organization	NOUN
easat-10813	275	14	,	,	PUNCT
easat-10813	275	15	and	and	CCONJ
easat-10813	275	16	finances	finance	NOUN
easat-10813	275	17	.	.	PUNCT
easat-10813	276	1	cham	cham	PROPN
easat-10813	276	2	:	:	PUNCT
easat-10813	276	3	springer	springer	NOUN
easat-10813	276	4	nature	nature	PROPN
easat-10813	276	5	switzerland	switzerland	PROPN
easat-10813	276	6	,	,	PUNCT
easat-10813	276	7	2024	2024	NUM
easat-10813	276	8	.	.	PUNCT
easat-10813	277	1	[	[	X
easat-10813	277	2	3	3	NUM
easat-10813	277	3	]	]	X
easat-10813	277	4	deloitte	deloitte	NOUN
easat-10813	277	5	,	,	PUNCT
easat-10813	277	6	"	"	PUNCT
easat-10813	277	7	digital	digital	ADJ
easat-10813	277	8	media	medium	NOUN
easat-10813	277	9	trends	trend	NOUN
easat-10813	277	10	:	:	PUNCT
easat-10813	277	11	consumption	consumption	NOUN
easat-10813	277	12	habits	habit	NOUN
easat-10813	277	13	survey	survey	VERB
easat-10813	277	14	2025	2025	NUM
easat-10813	277	15	.	.	PUNCT
easat-10813	278	1	deloitte	deloitte	NOUN
easat-10813	278	2	insights	insight	NOUN
easat-10813	278	3	,	,	PUNCT
easat-10813	278	4	"	"	PUNCT
easat-10813	278	5	2025	2025	NUM
easat-10813	278	6	.	.	PUNCT
easat-10813	279	1	https://www.deloitte.com/us/en/insights/industry/technology/digital-media-trends-consumption-habitssurvey/2025.html	https://www.deloitte.com/us/en/insights/industry/technology/digital-media-trends-consumption-habitssurvey/2025.html	PROPN
easat-10813	279	2	.	.	PUNCT
easat-10813	280	1	[	[	X
easat-10813	280	2	accessed	access	VERB
easat-10813	280	3	31	31	NUM
easat-10813	280	4	july	july	NOUN
easat-10813	280	5	2025	2025	NUM
easat-10813	280	6	]	]	PUNCT
easat-10813	281	1	[	[	X
easat-10813	281	2	4	4	NUM
easat-10813	281	3	]	]	X
easat-10813	281	4	mckinsey	mckinsey	NOUN
easat-10813	281	5	&	&	CCONJ
easat-10813	281	6	company	company	PROPN
easat-10813	281	7	,	,	PUNCT
easat-10813	281	8	next	next	ADJ
easat-10813	281	9	-	-	PUNCT
easat-10813	281	10	generation	generation	NOUN
easat-10813	281	11	insurance	insurance	NOUN
easat-10813	281	12	transformation	transformation	NOUN
easat-10813	281	13	.	.	PUNCT
easat-10813	282	1	new	new	PROPN
easat-10813	282	2	york	york	PROPN
easat-10813	282	3	:	:	PUNCT
easat-10813	282	4	mckinsey	mckinsey	NOUN
easat-10813	282	5	&	&	CCONJ
easat-10813	282	6	company	company	PROPN
easat-10813	282	7	,	,	PUNCT
easat-10813	282	8	2023	2023	NUM
easat-10813	282	9	.	.	PUNCT
easat-10813	283	1	[	[	X
easat-10813	283	2	5	5	X
easat-10813	283	3	]	]	PUNCT
easat-10813	283	4	p.	p.	NOUN
easat-10813	283	5	sindhuja	sindhuja	PROPN
easat-10813	283	6	,	,	PUNCT
easat-10813	283	7	a.	a.	NOUN
easat-10813	283	8	panda	panda	NOUN
easat-10813	283	9	,	,	PUNCT
easat-10813	283	10	and	and	CCONJ
easat-10813	283	11	s.	s.	PROPN
easat-10813	283	12	j.	j.	PROPN
easat-10813	283	13	s.	s.	PROPN
easat-10813	283	14	krishna	krishna	PROPN
easat-10813	283	15	,	,	PUNCT
easat-10813	283	16	"	"	PUNCT
easat-10813	283	17	influence	influence	NOUN
easat-10813	283	18	of	of	ADP
easat-10813	283	19	social	social	ADJ
easat-10813	283	20	media	medium	NOUN
easat-10813	283	21	on	on	ADP
easat-10813	283	22	consumer	consumer	NOUN
easat-10813	283	23	buying	buying	NOUN
easat-10813	283	24	behavior	behavior	NOUN
easat-10813	283	25	,	,	PUNCT
easat-10813	283	26	"	"	PUNCT
easat-10813	283	27	international	international	ADJ
easat-10813	283	28	journal	journal	NOUN
easat-10813	283	29	of	of	ADP
easat-10813	283	30	scientific	scientific	ADJ
easat-10813	283	31	research	research	NOUN
easat-10813	283	32	in	in	ADP
easat-10813	283	33	engineering	engineering	NOUN
easat-10813	283	34	and	and	CCONJ
easat-10813	283	35	management	management	NOUN
easat-10813	283	36	,	,	PUNCT
easat-10813	283	37	vol	vol	NOUN
easat-10813	283	38	.	.	PROPN
easat-10813	283	39	7	7	NUM
easat-10813	283	40	,	,	PUNCT
easat-10813	283	41	no	no	INTJ
easat-10813	283	42	.	.	NOUN
easat-10813	283	43	8	8	NUM
easat-10813	283	44	,	,	PUNCT
easat-10813	283	45	pp	pp	ADJ
easat-10813	283	46	.	.	PUNCT
easat-10813	284	1	1	1	NUM
easat-10813	284	2	-	-	SYM
easat-10813	284	3	7	7	NUM
easat-10813	284	4	,	,	PUNCT
easat-10813	284	5	2023	2023	NUM
easat-10813	284	6	.	.	PUNCT
easat-10813	285	1	[	[	X
easat-10813	285	2	6	6	NUM
easat-10813	285	3	]	]	PUNCT
easat-10813	285	4	m.	m.	NOUN
easat-10813	285	5	l.	l.	PROPN
easat-10813	285	6	maluleka	maluleka	PROPN
easat-10813	285	7	and	and	CCONJ
easat-10813	285	8	b.	b.	PROPN
easat-10813	285	9	z.	z.	PROPN
easat-10813	285	10	chummun	chummun	PROPN
easat-10813	285	11	,	,	PUNCT
easat-10813	285	12	"	"	PUNCT
easat-10813	285	13	the	the	DET
easat-10813	285	14	function	function	NOUN
easat-10813	285	15	of	of	ADP
easat-10813	285	16	competitive	competitive	ADJ
easat-10813	285	17	intelligence	intelligence	NOUN
easat-10813	285	18	in	in	ADP
easat-10813	285	19	south	south	ADJ
easat-10813	285	20	african	african	ADJ
easat-10813	285	21	insurance	insurance	NOUN
easat-10813	285	22	postcovid-19	postcovid-19	PROPN
easat-10813	285	23	outbreak	outbreak	NOUN
easat-10813	285	24	,	,	PUNCT
easat-10813	285	25	"	"	PUNCT
easat-10813	285	26	south	south	ADJ
easat-10813	285	27	african	african	ADJ
easat-10813	285	28	journal	journal	NOUN
easat-10813	285	29	of	of	ADP
easat-10813	285	30	information	information	NOUN
easat-10813	285	31	management	management	NOUN
easat-10813	285	32	,	,	PUNCT
easat-10813	285	33	vol	vol	NOUN
easat-10813	285	34	.	.	PROPN
easat-10813	285	35	26	26	NUM
easat-10813	285	36	,	,	PUNCT
easat-10813	285	37	no	no	INTJ
easat-10813	285	38	.	.	NOUN
easat-10813	285	39	1	1	NUM
easat-10813	285	40	,	,	PUNCT
easat-10813	285	41	p.	p.	NOUN
easat-10813	285	42	a1738	a1738	PROPN
easat-10813	285	43	,	,	PUNCT
easat-10813	285	44	2024	2024	NUM
easat-10813	285	45	.	.	PUNCT
easat-10813	285	46	https://hdl.handle.net/10520/ejc-info_v26_n1_a1738	https://hdl.handle.net/10520/ejc-info_v26_n1_a1738	NOUN
easat-10813	285	47	[	[	X
easat-10813	285	48	7	7	X
easat-10813	285	49	]	]	X
easat-10813	285	50	h.	h.	PROPN
easat-10813	285	51	g.	g.	PROPN
easat-10813	285	52	musa	musa	PROPN
easat-10813	285	53	,	,	PUNCT
easat-10813	285	54	i.	i.	PROPN
easat-10813	285	55	fatmawati	fatmawati	PROPN
easat-10813	285	56	,	,	PUNCT
easat-10813	285	57	n.	n.	NOUN
easat-10813	285	58	nuryakin	nuryakin	NOUN
easat-10813	285	59	,	,	PUNCT
easat-10813	285	60	and	and	CCONJ
easat-10813	285	61	m.	m.	NOUN
easat-10813	285	62	suyanto	suyanto	ADP
easat-10813	285	63	,	,	PUNCT
easat-10813	285	64	"	"	PUNCT
easat-10813	285	65	marketing	market	VERB
easat-10813	285	66	research	research	NOUN
easat-10813	285	67	trends	trend	NOUN
easat-10813	285	68	using	use	VERB
easat-10813	285	69	technology	technology	NOUN
easat-10813	285	70	acceptance	acceptance	NOUN
easat-10813	285	71	model	model	NOUN
easat-10813	285	72	(	(	PUNCT
easat-10813	285	73	tam	tam	PROPN
easat-10813	285	74	):	):	PUNCT
easat-10813	285	75	a	a	DET
easat-10813	285	76	comprehensive	comprehensive	ADJ
easat-10813	285	77	review	review	NOUN
easat-10813	285	78	of	of	ADP
easat-10813	285	79	researches	research	NOUN
easat-10813	285	80	(	(	PUNCT
easat-10813	285	81	2002–2022	2002–2022	NUM
easat-10813	285	82	)	)	PUNCT
easat-10813	285	83	,	,	PUNCT
easat-10813	285	84	"	"	PUNCT
easat-10813	285	85	cogent	cogent	NOUN
easat-10813	285	86	business	business	NOUN
easat-10813	285	87	&	&	CCONJ
easat-10813	285	88	management	management	PROPN
easat-10813	285	89	,	,	PUNCT
easat-10813	285	90	vol	vol	NOUN
easat-10813	285	91	.	.	PROPN
easat-10813	286	1	11	11	NUM
easat-10813	286	2	,	,	PUNCT
easat-10813	286	3	no	no	INTJ
easat-10813	286	4	.	.	NOUN
easat-10813	286	5	1	1	NUM
easat-10813	286	6	,	,	PUNCT
easat-10813	286	7	p.	p.	NOUN
easat-10813	286	8	2329375	2329375	NUM
easat-10813	286	9	,	,	PUNCT
easat-10813	286	10	2024	2024	NUM
easat-10813	286	11	.	.	PUNCT
easat-10813	287	1	https://doi.org/10.1080/23311975.2024.2329375	https://doi.org/10.1080/23311975.2024.2329375	PROPN
easat-10813	287	2	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-10813	287	3	https://www.deloitte.com/us/en/insights/industry/technology/digital-media-trends-consumption-habits-survey/2025.html	https://www.deloitte.com/us/en/insights/industry/technology/digital-media-trends-consumption-habits-survey/2025.html	PROPN
easat-10813	287	4	https://www.deloitte.com/us/en/insights/industry/technology/digital-media-trends-consumption-habits-survey/2025.html	https://www.deloitte.com/us/en/insights/industry/technology/digital-media-trends-consumption-habits-survey/2025.html	PROPN
easat-10813	287	5	https://hdl.handle.net/10520/ejc-info_v26_n1_a1738	https://hdl.handle.net/10520/ejc-info_v26_n1_a1738	VERB
easat-10813	287	6	https://doi.org/10.1080/23311975.2024.2329375	https://doi.org/10.1080/23311975.2024.2329375	PROPN
easat-10813	287	7	170	170	NUM
easat-10813	287	8	edelweiss	edelweiss	PROPN
easat-10813	287	9	applied	apply	VERB
easat-10813	287	10	science	science	NOUN
easat-10813	287	11	and	and	CCONJ
easat-10813	287	12	technology	technology	NOUN
easat-10813	287	13	issn	issn	PROPN
easat-10813	287	14	:	:	PUNCT
easat-10813	287	15	2576	2576	NUM
easat-10813	287	16	-	-	SYM
easat-10813	287	17	8484	8484	NUM
easat-10813	287	18	vol	vol	NOUN
easat-10813	287	19	.	.	PROPN
easat-10813	288	1	9	9	NUM
easat-10813	288	2	,	,	PUNCT
easat-10813	288	3	no	no	INTJ
easat-10813	288	4	.	.	NOUN
easat-10813	288	5	11	11	NUM
easat-10813	288	6	:	:	PUNCT
easat-10813	288	7	160	160	NUM
easat-10813	288	8	-	-	SYM
easat-10813	288	9	172	172	NUM
easat-10813	288	10	,	,	PUNCT
easat-10813	288	11	2025	2025	NUM
easat-10813	288	12	doi	doi	NOUN
easat-10813	288	13	:	:	PUNCT
easat-10813	288	14	10.55214/2576	10.55214/2576	NUM
easat-10813	288	15	-	-	SYM
easat-10813	288	16	8484.v9i11.10813	8484.v9i11.10813	NUM
easat-10813	289	1	©	©	ADP
easat-10813	289	2	2025	2025	NUM
easat-10813	289	3	by	by	ADP
easat-10813	289	4	the	the	DET
easat-10813	289	5	authors	author	NOUN
easat-10813	289	6	;	;	PUNCT
easat-10813	289	7	licensee	licensee	PROPN
easat-10813	289	8	learning	learning	NOUN
easat-10813	289	9	gate	gate	NOUN
easat-10813	290	1	[	[	X
easat-10813	290	2	8	8	NUM
easat-10813	290	3	]	]	PUNCT
easat-10813	290	4	s.	s.	PROPN
easat-10813	290	5	ivanov	ivanov	PROPN
easat-10813	290	6	,	,	PUNCT
easat-10813	290	7	m.	m.	NOUN
easat-10813	290	8	soliman	soliman	PROPN
easat-10813	290	9	,	,	PUNCT
easat-10813	290	10	a.	a.	NOUN
easat-10813	290	11	tuomi	tuomi	NOUN
easat-10813	290	12	,	,	PUNCT
easat-10813	290	13	n.	n.	PROPN
easat-10813	290	14	a.	a.	PROPN
easat-10813	290	15	alkathiri	alkathiri	PROPN
easat-10813	290	16	,	,	PUNCT
easat-10813	290	17	and	and	CCONJ
easat-10813	290	18	a.	a.	PROPN
easat-10813	290	19	n.	n.	PROPN
easat-10813	290	20	al	al	PROPN
easat-10813	290	21	-	-	PUNCT
easat-10813	290	22	alawi	alawi	PROPN
easat-10813	290	23	,	,	PUNCT
easat-10813	290	24	"	"	PUNCT
easat-10813	290	25	drivers	driver	NOUN
easat-10813	290	26	of	of	ADP
easat-10813	290	27	generative	generative	NOUN
easat-10813	290	28	ai	ai	VERB
easat-10813	290	29	adoption	adoption	NOUN
easat-10813	290	30	in	in	ADP
easat-10813	290	31	higher	high	ADJ
easat-10813	290	32	education	education	NOUN
easat-10813	290	33	through	through	ADP
easat-10813	290	34	the	the	DET
easat-10813	290	35	lens	lens	NOUN
easat-10813	290	36	of	of	ADP
easat-10813	290	37	the	the	DET
easat-10813	290	38	theory	theory	NOUN
easat-10813	290	39	of	of	ADP
easat-10813	290	40	planned	planned	ADJ
easat-10813	290	41	behaviour	behaviour	NOUN
easat-10813	290	42	,	,	PUNCT
easat-10813	290	43	"	"	PUNCT
easat-10813	290	44	technology	technology	NOUN
easat-10813	290	45	in	in	ADP
easat-10813	290	46	society	society	NOUN
easat-10813	290	47	,	,	PUNCT
easat-10813	290	48	vol	vol	NOUN
easat-10813	290	49	.	.	PROPN
easat-10813	291	1	77	77	NUM
easat-10813	291	2	,	,	PUNCT
easat-10813	291	3	p.	p.	NOUN
easat-10813	291	4	102521	102521	NUM
easat-10813	291	5	,	,	PUNCT
easat-10813	291	6	2024	2024	NUM
easat-10813	291	7	.	.	PUNCT
easat-10813	292	1	https://doi.org/10.1016/j.techsoc.2024.102521	https://doi.org/10.1016/j.techsoc.2024.102521	NOUN
easat-10813	293	1	[	[	X
easat-10813	293	2	9	9	X
easat-10813	293	3	]	]	PUNCT
easat-10813	293	4	t.	t.	PROPN
easat-10813	293	5	s.	s.	PROPN
easat-10813	293	6	msomi	msomi	PROPN
easat-10813	293	7	and	and	CCONJ
easat-10813	293	8	s.	s.	PROPN
easat-10813	293	9	nzama	nzama	PROPN
easat-10813	293	10	,	,	PUNCT
easat-10813	293	11	"	"	PUNCT
easat-10813	293	12	analyzing	analyze	VERB
easat-10813	293	13	firm	firm	ADJ
easat-10813	293	14	-	-	PUNCT
easat-10813	293	15	specific	specific	ADJ
easat-10813	293	16	factors	factor	NOUN
easat-10813	293	17	affecting	affect	VERB
easat-10813	293	18	the	the	DET
easat-10813	293	19	financial	financial	ADJ
easat-10813	293	20	performance	performance	NOUN
easat-10813	293	21	of	of	ADP
easat-10813	293	22	insurance	insurance	NOUN
easat-10813	293	23	companies	company	NOUN
easat-10813	293	24	in	in	ADP
easat-10813	293	25	south	south	PROPN
easat-10813	293	26	africa	africa	PROPN
easat-10813	293	27	,	,	PUNCT
easat-10813	293	28	"	"	PUNCT
easat-10813	293	29	insurance	insurance	NOUN
easat-10813	293	30	markets	market	NOUN
easat-10813	293	31	and	and	CCONJ
easat-10813	293	32	companies	company	NOUN
easat-10813	293	33	,	,	PUNCT
easat-10813	293	34	vol	vol	NOUN
easat-10813	293	35	.	.	PROPN
easat-10813	294	1	14	14	NUM
easat-10813	294	2	,	,	PUNCT
easat-10813	294	3	no	no	INTJ
easat-10813	294	4	.	.	NOUN
easat-10813	294	5	1	1	NUM
easat-10813	294	6	,	,	PUNCT
easat-10813	294	7	p.	p.	NOUN
easat-10813	294	8	8	8	NUM
easat-10813	294	9	,	,	PUNCT
easat-10813	294	10	2023	2023	NUM
easat-10813	294	11	.	.	PUNCT
easat-10813	295	1	[	[	X
easat-10813	295	2	10	10	NUM
easat-10813	295	3	]	]	PUNCT
easat-10813	295	4	m.	m.	NOUN
easat-10813	295	5	musaigwa	musaigwa	NOUN
easat-10813	295	6	and	and	CCONJ
easat-10813	295	7	s.	s.	PROPN
easat-10813	295	8	mutula	mutula	PROPN
easat-10813	295	9	,	,	PUNCT
easat-10813	295	10	"	"	PUNCT
easat-10813	295	11	impact	impact	NOUN
easat-10813	295	12	of	of	ADP
easat-10813	295	13	digital	digital	ADJ
easat-10813	295	14	transformation	transformation	NOUN
easat-10813	295	15	on	on	ADP
easat-10813	295	16	strategy	strategy	NOUN
easat-10813	295	17	in	in	ADP
easat-10813	295	18	the	the	DET
easat-10813	295	19	insurance	insurance	NOUN
easat-10813	295	20	sector	sector	NOUN
easat-10813	295	21	,	,	PUNCT
easat-10813	295	22	"	"	PUNCT
easat-10813	295	23	international	international	ADJ
easat-10813	295	24	journal	journal	NOUN
easat-10813	295	25	of	of	ADP
easat-10813	295	26	research	research	NOUN
easat-10813	295	27	in	in	ADP
easat-10813	295	28	business	business	NOUN
easat-10813	295	29	&	&	CCONJ
easat-10813	295	30	social	social	ADJ
easat-10813	295	31	science	science	NOUN
easat-10813	295	32	,	,	PUNCT
easat-10813	295	33	vol	vol	NOUN
easat-10813	295	34	.	.	PROPN
easat-10813	295	35	11	11	NUM
easat-10813	295	36	,	,	PUNCT
easat-10813	295	37	no	no	INTJ
easat-10813	295	38	.	.	NOUN
easat-10813	295	39	4	4	NUM
easat-10813	295	40	,	,	PUNCT
easat-10813	295	41	pp	pp	ADJ
easat-10813	295	42	.	.	PUNCT
easat-10813	296	1	69–76	69–76	NUM
easat-10813	296	2	,	,	PUNCT
easat-10813	296	3	2022	2022	NUM
easat-10813	296	4	.	.	PUNCT
easat-10813	297	1	https://doi.org/10.20525/ijrbs.v11i4.1781	https://doi.org/10.20525/ijrbs.v11i4.1781	PUNCT
easat-10813	298	1	[	[	X
easat-10813	298	2	11	11	NUM
easat-10813	298	3	]	]	PUNCT
easat-10813	298	4	z.	z.	PROPN
easat-10813	298	5	asmal	asmal	PROPN
easat-10813	298	6	,	,	PUNCT
easat-10813	298	7	h.	h.	PROPN
easat-10813	298	8	bhorat	bhorat	PROPN
easat-10813	298	9	,	,	PUNCT
easat-10813	298	10	l.	l.	PROPN
easat-10813	298	11	c.	c.	PROPN
easat-10813	298	12	martin	martin	PROPN
easat-10813	298	13	,	,	PUNCT
easat-10813	298	14	and	and	CCONJ
easat-10813	298	15	c.	c.	PROPN
easat-10813	298	16	rooney	rooney	PROPN
easat-10813	298	17	,	,	PUNCT
easat-10813	298	18	"	"	PUNCT
easat-10813	298	19	technological	technological	ADJ
easat-10813	298	20	change	change	NOUN
easat-10813	298	21	in	in	ADP
easat-10813	298	22	the	the	DET
easat-10813	298	23	insurance	insurance	NOUN
easat-10813	298	24	sector	sector	NOUN
easat-10813	298	25	in	in	ADP
easat-10813	298	26	south	south	PROPN
easat-10813	298	27	africa	africa	PROPN
easat-10813	298	28	:	:	PUNCT
easat-10813	298	29	disruption	disruption	NOUN
easat-10813	298	30	with	with	ADP
easat-10813	298	31	the	the	DET
easat-10813	298	32	potential	potential	NOUN
easat-10813	298	33	for	for	ADP
easat-10813	298	34	social	social	ADJ
easat-10813	298	35	good	good	NOUN
easat-10813	298	36	in	in	ADP
easat-10813	298	37	a	a	DET
easat-10813	298	38	developing	develop	VERB
easat-10813	298	39	-	-	PUNCT
easat-10813	298	40	country	country	NOUN
easat-10813	298	41	context	context	NOUN
easat-10813	298	42	?	?	PUNCT
easat-10813	298	43	,	,	PUNCT
easat-10813	298	44	"	"	PUNCT
easat-10813	298	45	dpru	dpru	X
easat-10813	298	46	working	working	NOUN
easat-10813	298	47	paper	paper	PROPN
easat-10813	298	48	2023/06	2023/06	NUM
easat-10813	298	49	.	.	PUNCT
easat-10813	299	1	development	development	NOUN
easat-10813	299	2	policy	policy	NOUN
easat-10813	299	3	research	research	NOUN
easat-10813	299	4	unit	unit	NOUN
easat-10813	299	5	,	,	PUNCT
easat-10813	299	6	university	university	PROPN
easat-10813	299	7	of	of	ADP
easat-10813	299	8	cape	cape	PROPN
easat-10813	299	9	town	town	NOUN
easat-10813	299	10	,	,	PUNCT
easat-10813	299	11	cape	cape	NOUN
easat-10813	299	12	town	town	NOUN
easat-10813	299	13	,	,	PUNCT
easat-10813	299	14	south	south	PROPN
easat-10813	299	15	africa	africa	PROPN
easat-10813	299	16	,	,	PUNCT
easat-10813	299	17	2023	2023	NUM
easat-10813	299	18	.	.	PUNCT
easat-10813	300	1	[	[	X
easat-10813	300	2	12	12	NUM
easat-10813	300	3	]	]	X
easat-10813	300	4	south	south	ADJ
easat-10813	300	5	african	african	PROPN
easat-10813	300	6	insurance	insurance	PROPN
easat-10813	300	7	association	association	PROPN
easat-10813	300	8	(	(	PUNCT
easat-10813	300	9	saia	saia	PROPN
easat-10813	300	10	)	)	PUNCT
easat-10813	300	11	,	,	PUNCT
easat-10813	300	12	"	"	PUNCT
easat-10813	300	13	saia	saia	PROPN
easat-10813	300	14	annual	annual	ADJ
easat-10813	300	15	review	review	NOUN
easat-10813	300	16	2022	2022	NUM
easat-10813	300	17	:	:	PUNCT
easat-10813	300	18	forging	forge	VERB
easat-10813	300	19	stability	stability	NOUN
easat-10813	300	20	and	and	CCONJ
easat-10813	300	21	sustainability	sustainability	NOUN
easat-10813	300	22	in	in	ADP
easat-10813	300	23	the	the	DET
easat-10813	300	24	face	face	NOUN
easat-10813	300	25	of	of	ADP
easat-10813	300	26	socio	socio	NOUN
easat-10813	300	27	-	-	PUNCT
easat-10813	300	28	economic	economic	ADJ
easat-10813	300	29	headwinds	headwind	NOUN
easat-10813	300	30	,	,	PUNCT
easat-10813	300	31	"	"	PUNCT
easat-10813	300	32	2022	2022	NUM
easat-10813	300	33	.	.	PUNCT
easat-10813	301	1	https://saia.co.za/storage/2025/04/saia-annual-review-2022-forgingstability-and-sustainability.pdf	https://saia.co.za/storage/2025/04/saia-annual-review-2022-forgingstability-and-sustainability.pdf	X
easat-10813	301	2	.	.	PUNCT
easat-10813	302	1	[	[	X
easat-10813	302	2	accessed	access	VERB
easat-10813	302	3	16	16	NUM
easat-10813	302	4	august	august	NOUN
easat-10813	302	5	2025	2025	NUM
easat-10813	302	6	]	]	PUNCT
easat-10813	303	1	[	[	X
easat-10813	303	2	13	13	NUM
easat-10813	303	3	]	]	X
easat-10813	303	4	south	south	PROPN
easat-10813	303	5	african	african	PROPN
easat-10813	303	6	reserve	reserve	PROPN
easat-10813	303	7	bank	bank	PROPN
easat-10813	303	8	,	,	PUNCT
easat-10813	303	9	"	"	PUNCT
easat-10813	303	10	quarterly	quarterly	ADJ
easat-10813	303	11	bulletin	bulletin	NOUN
easat-10813	303	12	–	–	PUNCT
easat-10813	303	13	december	december	PROPN
easat-10813	303	14	2024	2024	NUM
easat-10813	303	15	,	,	PUNCT
easat-10813	303	16	"	"	PUNCT
easat-10813	303	17	2024	2024	NUM
easat-10813	303	18	.	.	PUNCT
easat-10813	304	1	https://www.resbank.co.za/en/home/publications/publication-detail-pages/quarterly-bulletins/quarterly-bulletinpublications/2024/december	https://www.resbank.co.za/en/home/publications/publication-detail-pages/quarterly-bulletins/quarterly-bulletinpublications/2024/december	PROPN
easat-10813	304	2	.	.	PUNCT
easat-10813	305	1	[	[	X
easat-10813	305	2	accessed	access	VERB
easat-10813	305	3	16	16	NUM
easat-10813	305	4	august	august	NOUN
easat-10813	305	5	2025	2025	NUM
easat-10813	305	6	]	]	PUNCT
easat-10813	306	1	[	[	X
easat-10813	306	2	14	14	NUM
easat-10813	306	3	]	]	X
easat-10813	306	4	t.	t.	NOUN
easat-10813	306	5	nyoni	nyoni	PROPN
easat-10813	306	6	,	,	PUNCT
easat-10813	306	7	"	"	PUNCT
easat-10813	306	8	exploring	explore	VERB
easat-10813	306	9	digital	digital	ADJ
easat-10813	306	10	transformation	transformation	NOUN
easat-10813	306	11	challenges	challenge	NOUN
easat-10813	306	12	and	and	CCONJ
easat-10813	306	13	opportunities	opportunity	NOUN
easat-10813	306	14	in	in	ADP
easat-10813	306	15	a	a	DET
easat-10813	306	16	short	short	ADJ
easat-10813	306	17	-	-	PUNCT
easat-10813	306	18	term	term	NOUN
easat-10813	306	19	insurance	insurance	NOUN
easat-10813	306	20	company	company	NOUN
easat-10813	306	21	during	during	ADP
easat-10813	306	22	hard	hard	ADJ
easat-10813	306	23	lockdown	lockdown	NOUN
easat-10813	306	24	,	,	PUNCT
easat-10813	306	25	"	"	PUNCT
easat-10813	306	26	pqdt	pqdt	NOUN
easat-10813	306	27	-	-	PUNCT
easat-10813	306	28	global	global	ADJ
easat-10813	306	29	,	,	PUNCT
easat-10813	306	30	2024	2024	NUM
easat-10813	306	31	.	.	PUNCT
easat-10813	307	1	[	[	X
easat-10813	307	2	15	15	NUM
easat-10813	307	3	]	]	PUNCT
easat-10813	307	4	z.	z.	PROPN
easat-10813	307	5	nhlapo	nhlapo	PROPN
easat-10813	307	6	,	,	PUNCT
easat-10813	307	7	"	"	PUNCT
easat-10813	307	8	promotion	promotion	NOUN
easat-10813	307	9	of	of	ADP
easat-10813	307	10	inclusive	inclusive	ADJ
easat-10813	307	11	insurance	insurance	NOUN
easat-10813	307	12	by	by	ADP
easat-10813	307	13	a	a	DET
easat-10813	307	14	south	south	ADJ
easat-10813	307	15	african	african	ADJ
easat-10813	307	16	insurtech	insurtech	PROPN
easat-10813	307	17	company	company	NOUN
easat-10813	307	18	,	,	PUNCT
easat-10813	307	19	"	"	PUNCT
easat-10813	307	20	master	master	NOUN
easat-10813	307	21	's	's	PART
easat-10813	307	22	thesis	thesis	NOUN
easat-10813	307	23	,	,	PUNCT
easat-10813	307	24	university	university	NOUN
easat-10813	307	25	of	of	ADP
easat-10813	307	26	the	the	DET
easat-10813	307	27	witwatersrand	witwatersrand	NOUN
easat-10813	307	28	,	,	PUNCT
easat-10813	307	29	2024	2024	NUM
easat-10813	307	30	.	.	PUNCT
easat-10813	308	1	[	[	X
easat-10813	308	2	16	16	NUM
easat-10813	308	3	]	]	PUNCT
easat-10813	308	4	s.	s.	PROPN
easat-10813	308	5	s.	s.	PROPN
easat-10813	308	6	horvey	horvey	PROPN
easat-10813	308	7	,	,	PUNCT
easat-10813	308	8	j.	j.	PROPN
easat-10813	308	9	odei	odei	PROPN
easat-10813	308	10	-	-	PUNCT
easat-10813	308	11	mensah	mensah	PROPN
easat-10813	308	12	,	,	PUNCT
easat-10813	308	13	and	and	CCONJ
easat-10813	308	14	a.	a.	NOUN
easat-10813	308	15	mushai	mushai	PROPN
easat-10813	308	16	,	,	PUNCT
easat-10813	308	17	"	"	PUNCT
easat-10813	308	18	the	the	DET
easat-10813	308	19	determinants	determinant	NOUN
easat-10813	308	20	of	of	ADP
easat-10813	308	21	life	life	NOUN
easat-10813	308	22	insurance	insurance	NOUN
easat-10813	308	23	companies	company	NOUN
easat-10813	308	24	profitability	profitability	NOUN
easat-10813	308	25	in	in	ADP
easat-10813	308	26	south	south	PROPN
easat-10813	308	27	africa	africa	PROPN
easat-10813	308	28	:	:	PUNCT
easat-10813	308	29	new	new	ADJ
easat-10813	308	30	evidence	evidence	NOUN
easat-10813	308	31	from	from	ADP
easat-10813	308	32	a	a	DET
easat-10813	308	33	dynamic	dynamic	ADJ
easat-10813	308	34	panel	panel	NOUN
easat-10813	308	35	threshold	threshold	NOUN
easat-10813	308	36	estimation	estimation	NOUN
easat-10813	308	37	technique	technique	NOUN
easat-10813	308	38	,	,	PUNCT
easat-10813	308	39	"	"	PUNCT
easat-10813	308	40	international	international	ADJ
easat-10813	308	41	journal	journal	NOUN
easat-10813	308	42	of	of	ADP
easat-10813	308	43	emerging	emerge	VERB
easat-10813	308	44	markets	market	NOUN
easat-10813	308	45	,	,	PUNCT
easat-10813	308	46	vol	vol	NOUN
easat-10813	308	47	.	.	PROPN
easat-10813	308	48	20	20	NUM
easat-10813	308	49	,	,	PUNCT
easat-10813	308	50	no	no	INTJ
easat-10813	308	51	.	.	NOUN
easat-10813	308	52	7	7	NUM
easat-10813	308	53	,	,	PUNCT
easat-10813	308	54	pp	pp	ADJ
easat-10813	308	55	.	.	PUNCT
easat-10813	309	1	2998	2998	NUM
easat-10813	309	2	-	-	SYM
easat-10813	309	3	3026	3026	NUM
easat-10813	309	4	,	,	PUNCT
easat-10813	309	5	2025	2025	NUM
easat-10813	309	6	.	.	PUNCT
easat-10813	310	1	https://doi.org/10.1108/ijoem-08-2022-1225	https://doi.org/10.1108/ijoem-08-2022-1225	PROPN
easat-10813	311	1	[	[	X
easat-10813	311	2	17	17	NUM
easat-10813	311	3	]	]	PUNCT
easat-10813	311	4	a.	a.	NOUN
easat-10813	311	5	khumalo	khumalo	PROPN
easat-10813	311	6	,	,	PUNCT
easat-10813	311	7	"	"	PUNCT
easat-10813	311	8	investigating	investigate	VERB
easat-10813	311	9	the	the	DET
easat-10813	311	10	digital	digital	ADJ
easat-10813	311	11	divide	divide	NOUN
easat-10813	311	12	in	in	ADP
easat-10813	311	13	south	south	PROPN
easat-10813	311	14	africa	africa	PROPN
easat-10813	311	15	as	as	SCONJ
easat-10813	311	16	it	it	PRON
easat-10813	311	17	relates	relate	VERB
easat-10813	311	18	to	to	ADP
easat-10813	311	19	financial	financial	ADJ
easat-10813	311	20	services	service	NOUN
easat-10813	311	21	,	,	PUNCT
easat-10813	311	22	"	"	PUNCT
easat-10813	311	23	master	master	NOUN
easat-10813	311	24	's	's	PART
easat-10813	311	25	thesis	thesis	NOUN
easat-10813	311	26	,	,	PUNCT
easat-10813	311	27	university	university	NOUN
easat-10813	311	28	of	of	ADP
easat-10813	311	29	the	the	DET
easat-10813	311	30	witwatersrand	witwatersrand	NOUN
easat-10813	311	31	,	,	PUNCT
easat-10813	311	32	2024	2024	NUM
easat-10813	311	33	.	.	PUNCT
easat-10813	312	1	[	[	X
easat-10813	312	2	18	18	NUM
easat-10813	312	3	]	]	PUNCT
easat-10813	312	4	automobile	automobile	NOUN
easat-10813	312	5	association	association	NOUN
easat-10813	312	6	of	of	ADP
easat-10813	312	7	south	south	PROPN
easat-10813	312	8	africa	africa	PROPN
easat-10813	312	9	,	,	PUNCT
easat-10813	312	10	"	"	PUNCT
easat-10813	312	11	do	do	AUX
easat-10813	312	12	n’t	not	PART
easat-10813	312	13	take	take	VERB
easat-10813	312	14	the	the	DET
easat-10813	312	15	insurance	insurance	NOUN
easat-10813	312	16	bait	bait	NOUN
easat-10813	312	17	–	–	PUNCT
easat-10813	312	18	cheaper	cheap	ADJ
easat-10813	312	19	is	be	AUX
easat-10813	312	20	not	not	PART
easat-10813	312	21	always	always	ADV
easat-10813	312	22	better	well	ADJ
easat-10813	312	23	,	,	PUNCT
easat-10813	312	24	"	"	PUNCT
easat-10813	312	25	2020	2020	NUM
easat-10813	312	26	.	.	PUNCT
easat-10813	313	1	https://aa.co.za/dont-take-the-insurance-bait-cheaper-is-not-always-better-2/.	https://aa.co.za/dont-take-the-insurance-bait-cheaper-is-not-always-better-2/.	PROPN
easat-10813	313	2	[	[	X
easat-10813	313	3	accessed	access	VERB
easat-10813	313	4	16	16	NUM
easat-10813	313	5	august	august	NOUN
easat-10813	313	6	2025	2025	NUM
easat-10813	313	7	]	]	PUNCT
easat-10813	314	1	[	[	X
easat-10813	314	2	19	19	NUM
easat-10813	314	3	]	]	X
easat-10813	314	4	south	south	ADJ
easat-10813	314	5	african	african	PROPN
easat-10813	314	6	insurance	insurance	PROPN
easat-10813	314	7	crime	crime	PROPN
easat-10813	314	8	bureau	bureau	PROPN
easat-10813	314	9	(	(	PUNCT
easat-10813	314	10	saicb	saicb	PROPN
easat-10813	314	11	)	)	PUNCT
easat-10813	314	12	,	,	PUNCT
easat-10813	314	13	annual	annual	ADJ
easat-10813	314	14	report	report	NOUN
easat-10813	314	15	2024	2024	NUM
easat-10813	314	16	.	.	PUNCT
easat-10813	315	1	johannesburg	johannesburg	PROPN
easat-10813	315	2	,	,	PUNCT
easat-10813	315	3	south	south	PROPN
easat-10813	315	4	africa	africa	PROPN
easat-10813	315	5	:	:	PUNCT
easat-10813	315	6	saicb	saicb	PROPN
easat-10813	315	7	,	,	PUNCT
easat-10813	315	8	2024	2024	NUM
easat-10813	315	9	.	.	PUNCT
easat-10813	316	1	[	[	X
easat-10813	316	2	20	20	NUM
easat-10813	316	3	]	]	X
easat-10813	316	4	oecd	oecd	PROPN
easat-10813	316	5	(	(	PUNCT
easat-10813	316	6	organisation	organisation	NOUN
easat-10813	316	7	for	for	ADP
easat-10813	316	8	economic	economic	ADJ
easat-10813	316	9	co	co	NOUN
easat-10813	316	10	-	-	NOUN
easat-10813	316	11	operation	operation	NOUN
easat-10813	316	12	and	and	CCONJ
easat-10813	316	13	development	development	NOUN
easat-10813	316	14	)	)	PUNCT
easat-10813	316	15	,	,	PUNCT
easat-10813	316	16	"	"	PUNCT
easat-10813	316	17	oecd	oecd	PROPN
easat-10813	316	18	economic	economic	ADJ
easat-10813	316	19	surveys	survey	NOUN
easat-10813	316	20	:	:	PUNCT
easat-10813	316	21	south	south	PROPN
easat-10813	316	22	africa	africa	PROPN
easat-10813	316	23	2025	2025	NUM
easat-10813	316	24	,	,	PUNCT
easat-10813	316	25	"	"	PUNCT
easat-10813	316	26	2025	2025	NUM
easat-10813	316	27	.	.	PUNCT
easat-10813	317	1	https://www.oecd.org/content/dam/oecd/en/publications/reports/2025/06/oecd-economic-surveys-southafrica-2025_977f0fed/7e6a132a-en.pdf	https://www.oecd.org/content/dam/oecd/en/publications/reports/2025/06/oecd-economic-surveys-southafrica-2025_977f0fed/7e6a132a-en.pdf	PROPN
easat-10813	317	2	.	.	PUNCT
easat-10813	318	1	[	[	X
easat-10813	318	2	accessed	access	VERB
easat-10813	318	3	17	17	NUM
easat-10813	318	4	august	august	NOUN
easat-10813	318	5	2025	2025	NUM
easat-10813	318	6	]	]	PUNCT
easat-10813	319	1	[	[	X
easat-10813	319	2	21	21	NUM
easat-10813	319	3	]	]	X
easat-10813	319	4	old	old	ADJ
easat-10813	319	5	mutual	mutual	ADJ
easat-10813	319	6	limited	limit	VERB
easat-10813	319	7	,	,	PUNCT
easat-10813	319	8	sustainability	sustainability	NOUN
easat-10813	319	9	report	report	NOUN
easat-10813	319	10	2023	2023	NUM
easat-10813	319	11	.	.	PUNCT
easat-10813	320	1	johannesburg	johannesburg	PROPN
easat-10813	320	2	,	,	PUNCT
easat-10813	320	3	south	south	PROPN
easat-10813	320	4	africa	africa	PROPN
easat-10813	320	5	:	:	PUNCT
easat-10813	320	6	old	old	ADJ
easat-10813	320	7	mutual	mutual	ADJ
easat-10813	320	8	limited	limit	VERB
easat-10813	320	9	,	,	PUNCT
easat-10813	320	10	2024	2024	NUM
easat-10813	320	11	.	.	PUNCT
easat-10813	321	1	[	[	X
easat-10813	321	2	22	22	NUM
easat-10813	321	3	]	]	X
easat-10813	321	4	y.	y.	PROPN
easat-10813	321	5	mupangavanhu	mupangavanhu	PROPN
easat-10813	321	6	and	and	CCONJ
easat-10813	321	7	d.	d.	PROPN
easat-10813	321	8	kerchhoff	kerchhoff	PROPN
easat-10813	321	9	,	,	PUNCT
easat-10813	321	10	"	"	PUNCT
easat-10813	321	11	online	online	ADJ
easat-10813	321	12	deceptive	deceptive	ADJ
easat-10813	321	13	advertising	advertising	NOUN
easat-10813	321	14	and	and	CCONJ
easat-10813	321	15	consumer	consumer	NOUN
easat-10813	321	16	protection	protection	NOUN
easat-10813	321	17	in	in	ADP
easat-10813	321	18	south	south	PROPN
easat-10813	321	19	africa	africa	PROPN
easat-10813	321	20	-	-	PUNCT
easat-10813	321	21	the	the	DET
easat-10813	321	22	law	law	NOUN
easat-10813	321	23	and	and	CCONJ
easat-10813	321	24	its	its	PRON
easat-10813	321	25	shortcomings	shortcoming	NOUN
easat-10813	321	26	?	?	PUNCT
easat-10813	321	27	,	,	PUNCT
easat-10813	321	28	"	"	PUNCT
easat-10813	321	29	de	de	X
easat-10813	321	30	jure	jure	NOUN
easat-10813	321	31	law	law	NOUN
easat-10813	321	32	journal	journal	NOUN
easat-10813	321	33	,	,	PUNCT
easat-10813	321	34	vol	vol	NOUN
easat-10813	321	35	.	.	PROPN
easat-10813	321	36	56	56	NUM
easat-10813	321	37	,	,	PUNCT
easat-10813	321	38	no	no	INTJ
easat-10813	321	39	.	.	NOUN
easat-10813	321	40	1	1	NUM
easat-10813	321	41	,	,	PUNCT
easat-10813	321	42	pp	pp	ADJ
easat-10813	321	43	.	.	PUNCT
easat-10813	322	1	86	86	NUM
easat-10813	322	2	-	-	SYM
easat-10813	322	3	106	106	NUM
easat-10813	322	4	,	,	PUNCT
easat-10813	322	5	2023	2023	NUM
easat-10813	322	6	.	.	PUNCT
easat-10813	323	1	https://doi.org/10.17159/22257160/2023/v56a7	https://doi.org/10.17159/22257160/2023/v56a7	PROPN
easat-10813	324	1	[	[	X
easat-10813	324	2	23	23	NUM
easat-10813	324	3	]	]	X
easat-10813	324	4	r.	r.	PROPN
easat-10813	324	5	mafikeng	mafikeng	PROPN
easat-10813	324	6	,	,	PUNCT
easat-10813	324	7	"	"	PUNCT
easat-10813	324	8	the	the	DET
easat-10813	324	9	adoption	adoption	NOUN
easat-10813	324	10	of	of	ADP
easat-10813	324	11	digital	digital	ADJ
easat-10813	324	12	technologies	technology	NOUN
easat-10813	324	13	in	in	ADP
easat-10813	324	14	public	public	ADJ
easat-10813	324	15	schools	school	NOUN
easat-10813	324	16	in	in	ADP
easat-10813	324	17	south	south	PROPN
easat-10813	324	18	africa	africa	PROPN
easat-10813	324	19	,	,	PUNCT
easat-10813	324	20	"	"	PUNCT
easat-10813	324	21	master	master	NOUN
easat-10813	324	22	's	's	PART
easat-10813	324	23	thesis	thesis	NOUN
easat-10813	324	24	,	,	PUNCT
easat-10813	324	25	university	university	NOUN
easat-10813	324	26	of	of	ADP
easat-10813	324	27	the	the	DET
easat-10813	324	28	witwatersrand	witwatersrand	NOUN
easat-10813	324	29	,	,	PUNCT
easat-10813	324	30	2024	2024	NUM
easat-10813	324	31	.	.	PUNCT
easat-10813	325	1	[	[	X
easat-10813	325	2	24	24	NUM
easat-10813	325	3	]	]	SYM
easat-10813	325	4	datar	datar	ADJ
easat-10813	325	5	portal	portal	PROPN
easat-10813	325	6	,	,	PUNCT
easat-10813	325	7	"	"	PUNCT
easat-10813	325	8	digital	digital	ADJ
easat-10813	325	9	2024	2024	NUM
easat-10813	325	10	:	:	PUNCT
easat-10813	325	11	south	south	PROPN
easat-10813	325	12	africa	africa	PROPN
easat-10813	325	13	,	,	PUNCT
easat-10813	325	14	"	"	PUNCT
easat-10813	325	15	2024	2024	NUM
easat-10813	325	16	.	.	PUNCT
easat-10813	326	1	https://datareportal.com/reports/digital-2024-south-africa	https://datareportal.com/reports/digital-2024-south-africa	PROPN
easat-10813	326	2	.	.	PUNCT
easat-10813	327	1	[	[	X
easat-10813	327	2	accessed	access	VERB
easat-10813	327	3	17	17	NUM
easat-10813	327	4	august	august	NOUN
easat-10813	327	5	2025	2025	NUM
easat-10813	327	6	]	]	PUNCT
easat-10813	328	1	[	[	X
easat-10813	328	2	25	25	NUM
easat-10813	328	3	]	]	X
easat-10813	328	4	electronic	electronic	ADJ
easat-10813	328	5	national	national	PROPN
easat-10813	328	6	administration	administration	PROPN
easat-10813	328	7	traffic	traffic	NOUN
easat-10813	328	8	information	information	NOUN
easat-10813	328	9	system	system	NOUN
easat-10813	328	10	(	(	PUNCT
easat-10813	328	11	enatis	enatis	PROPN
easat-10813	328	12	)	)	PUNCT
easat-10813	328	13	,	,	PUNCT
easat-10813	328	14	vehicle	vehicle	NOUN
easat-10813	328	15	registration	registration	NOUN
easat-10813	328	16	statistics	statistic	NOUN
easat-10813	328	17	2019	2019	NUM
easat-10813	328	18	.	.	PUNCT
easat-10813	329	1	pretoria	pretoria	PROPN
easat-10813	329	2	,	,	PUNCT
easat-10813	329	3	south	south	PROPN
easat-10813	329	4	africa	africa	PROPN
easat-10813	329	5	:	:	PUNCT
easat-10813	329	6	department	department	NOUN
easat-10813	329	7	of	of	ADP
easat-10813	329	8	transport	transport	NOUN
easat-10813	329	9	,	,	PUNCT
easat-10813	329	10	2019	2019	NUM
easat-10813	329	11	.	.	PUNCT
easat-10813	330	1	[	[	X
easat-10813	330	2	26	26	NUM
easat-10813	330	3	]	]	X
easat-10813	330	4	c.	c.	PROPN
easat-10813	330	5	burr	burr	PROPN
easat-10813	330	6	,	,	PUNCT
easat-10813	330	7	"	"	PUNCT
easat-10813	330	8	trust	trust	NOUN
easat-10813	330	9	in	in	ADP
easat-10813	330	10	digital	digital	ADJ
easat-10813	330	11	environments	environment	NOUN
easat-10813	330	12	:	:	PUNCT
easat-10813	330	13	understanding	understand	VERB
easat-10813	330	14	consumer	consumer	NOUN
easat-10813	330	15	behavior	behavior	NOUN
easat-10813	330	16	and	and	CCONJ
easat-10813	330	17	risk	risk	NOUN
easat-10813	330	18	perception	perception	NOUN
easat-10813	330	19	,	,	PUNCT
easat-10813	330	20	"	"	PUNCT
easat-10813	330	21	journal	journal	NOUN
easat-10813	330	22	of	of	ADP
easat-10813	330	23	digital	digital	ADJ
easat-10813	330	24	marketing	marketing	NOUN
easat-10813	330	25	research	research	NOUN
easat-10813	330	26	,	,	PUNCT
easat-10813	330	27	vol	vol	NOUN
easat-10813	330	28	.	.	PROPN
easat-10813	330	29	13	13	NUM
easat-10813	330	30	,	,	PUNCT
easat-10813	330	31	no	no	INTJ
easat-10813	330	32	.	.	NOUN
easat-10813	330	33	2	2	NUM
easat-10813	330	34	,	,	PUNCT
easat-10813	330	35	pp	pp	ADJ
easat-10813	330	36	.	.	PUNCT
easat-10813	330	37	45–59	45–59	NUM
easat-10813	330	38	,	,	PUNCT
easat-10813	330	39	2021	2021	NUM
easat-10813	330	40	.	.	PUNCT
easat-10813	331	1	[	[	X
easat-10813	331	2	27	27	NUM
easat-10813	331	3	]	]	PUNCT
easat-10813	331	4	m.	m.	NOUN
easat-10813	331	5	s.	s.	PROPN
easat-10813	331	6	hagger	hagger	PROPN
easat-10813	331	7	,	,	PUNCT
easat-10813	331	8	m.	m.	NOUN
easat-10813	331	9	w.-l	w.-l	PROPN
easat-10813	331	10	.	.	PUNCT
easat-10813	332	1	cheung	cheung	PROPN
easat-10813	332	2	,	,	PUNCT
easat-10813	332	3	i.	i.	PROPN
easat-10813	332	4	ajzen	ajzen	PROPN
easat-10813	332	5	,	,	PUNCT
easat-10813	332	6	and	and	CCONJ
easat-10813	332	7	k.	k.	PROPN
easat-10813	332	8	hamilton	hamilton	PROPN
easat-10813	332	9	,	,	PUNCT
easat-10813	332	10	"	"	PUNCT
easat-10813	332	11	perceived	perceive	VERB
easat-10813	332	12	behavioral	behavioral	ADJ
easat-10813	332	13	control	control	NOUN
easat-10813	332	14	moderating	moderate	VERB
easat-10813	332	15	effects	effect	NOUN
easat-10813	332	16	in	in	ADP
easat-10813	332	17	the	the	DET
easat-10813	332	18	theory	theory	NOUN
easat-10813	332	19	of	of	ADP
easat-10813	332	20	planned	planned	ADJ
easat-10813	332	21	behavior	behavior	NOUN
easat-10813	332	22	:	:	PUNCT
easat-10813	332	23	a	a	DET
easat-10813	332	24	meta	meta	ADJ
easat-10813	332	25	-	-	PUNCT
easat-10813	332	26	analysis	analysis	NOUN
easat-10813	332	27	,	,	PUNCT
easat-10813	332	28	"	"	PUNCT
easat-10813	332	29	health	health	NOUN
easat-10813	332	30	psychology	psychology	NOUN
easat-10813	332	31	,	,	PUNCT
easat-10813	332	32	vol	vol	NOUN
easat-10813	332	33	.	.	PROPN
easat-10813	332	34	41	41	NUM
easat-10813	332	35	,	,	PUNCT
easat-10813	332	36	no	no	INTJ
easat-10813	332	37	.	.	NOUN
easat-10813	332	38	2	2	NUM
easat-10813	332	39	,	,	PUNCT
easat-10813	332	40	pp	pp	ADJ
easat-10813	332	41	.	.	PUNCT
easat-10813	333	1	155–167	155–167	NUM
easat-10813	333	2	,	,	PUNCT
easat-10813	333	3	2022	2022	NUM
easat-10813	333	4	.	.	PUNCT
easat-10813	334	1	https://doi.org/10.1037/hea0001153	https://doi.org/10.1037/hea0001153	X
easat-10813	335	1	[	[	X
easat-10813	335	2	28	28	NUM
easat-10813	335	3	]	]	X
easat-10813	335	4	y.	y.	PROPN
easat-10813	335	5	k.	k.	PROPN
easat-10813	335	6	dwivedi	dwivedi	PROPN
easat-10813	335	7	,	,	PUNCT
easat-10813	335	8	e.	e.	PROPN
easat-10813	335	9	ismagilova	ismagilova	PROPN
easat-10813	335	10	,	,	PUNCT
easat-10813	335	11	n.	n.	PROPN
easat-10813	335	12	p.	p.	PROPN
easat-10813	335	13	rana	rana	PROPN
easat-10813	335	14	,	,	PUNCT
easat-10813	335	15	and	and	CCONJ
easat-10813	335	16	r.	r.	PROPN
easat-10813	335	17	raman	raman	PROPN
easat-10813	335	18	,	,	PUNCT
easat-10813	335	19	"	"	PUNCT
easat-10813	335	20	social	social	ADJ
easat-10813	335	21	media	medium	NOUN
easat-10813	335	22	adoption	adoption	NOUN
easat-10813	335	23	,	,	PUNCT
easat-10813	335	24	usage	usage	NOUN
easat-10813	335	25	and	and	CCONJ
easat-10813	335	26	impact	impact	NOUN
easat-10813	335	27	in	in	ADP
easat-10813	335	28	business	business	NOUN
easat-10813	335	29	-	-	PUNCT
easat-10813	335	30	tobusiness	tobusiness	NOUN
easat-10813	335	31	(	(	PUNCT
easat-10813	335	32	b2b	b2b	NOUN
easat-10813	335	33	)	)	PUNCT
easat-10813	335	34	context	context	NOUN
easat-10813	335	35	:	:	PUNCT
easat-10813	335	36	a	a	DET
easat-10813	335	37	state	state	NOUN
easat-10813	335	38	-	-	PUNCT
easat-10813	335	39	of	of	ADP
easat-10813	335	40	-	-	PUNCT
easat-10813	335	41	the	the	DET
easat-10813	335	42	-	-	PUNCT
easat-10813	335	43	art	art	NOUN
easat-10813	335	44	literature	literature	NOUN
easat-10813	335	45	review	review	NOUN
easat-10813	335	46	,	,	PUNCT
easat-10813	335	47	"	"	PUNCT
easat-10813	335	48	information	information	NOUN
easat-10813	335	49	systems	system	NOUN
easat-10813	335	50	frontiers	frontier	NOUN
easat-10813	335	51	,	,	PUNCT
easat-10813	335	52	vol	vol	NOUN
easat-10813	335	53	.	.	PROPN
easat-10813	335	54	25	25	NUM
easat-10813	335	55	,	,	PUNCT
easat-10813	335	56	pp	pp	ADJ
easat-10813	335	57	.	.	PUNCT
easat-10813	336	1	971	971	NUM
easat-10813	336	2	-	-	SYM
easat-10813	336	3	993	993	NUM
easat-10813	336	4	,	,	PUNCT
easat-10813	336	5	2023	2023	NUM
easat-10813	336	6	.	.	PUNCT
easat-10813	337	1	https://doi.org/10.1007/s10796-021-10106-y	https://doi.org/10.1007/s10796-021-10106-y	NOUN
easat-10813	338	1	[	[	X
easat-10813	338	2	29	29	NUM
easat-10813	338	3	]	]	X
easat-10813	338	4	e.	e.	PROPN
easat-10813	338	5	t.	t.	PROPN
easat-10813	338	6	mutuwa	mutuwa	PROPN
easat-10813	338	7	,	,	PUNCT
easat-10813	338	8	"	"	PUNCT
easat-10813	338	9	the	the	DET
easat-10813	338	10	influence	influence	NOUN
easat-10813	338	11	of	of	ADP
easat-10813	338	12	digital	digital	ADJ
easat-10813	338	13	transformation	transformation	NOUN
easat-10813	338	14	on	on	ADP
easat-10813	338	15	the	the	DET
easat-10813	338	16	customer	customer	NOUN
easat-10813	338	17	experience	experience	NOUN
easat-10813	338	18	:	:	PUNCT
easat-10813	338	19	a	a	DET
easat-10813	338	20	case	case	NOUN
easat-10813	338	21	on	on	ADP
easat-10813	338	22	the	the	DET
easat-10813	338	23	insurance	insurance	NOUN
easat-10813	338	24	industry	industry	NOUN
easat-10813	338	25	,	,	PUNCT
easat-10813	338	26	"	"	PUNCT
easat-10813	338	27	2024	2024	NUM
easat-10813	338	28	.	.	PUNCT
easat-10813	339	1	[	[	X
easat-10813	339	2	30	30	NUM
easat-10813	339	3	]	]	PUNCT
easat-10813	339	4	a.	a.	NOUN
easat-10813	339	5	akhter	akhter	PROPN
easat-10813	339	6	,	,	PUNCT
easat-10813	339	7	u.	u.	PROPN
easat-10813	339	8	k.	k.	PROPN
easat-10813	339	9	acharjee	acharjee	PROPN
easat-10813	339	10	,	,	PUNCT
easat-10813	339	11	m.	m.	NOUN
easat-10813	339	12	a.	a.	NOUN
easat-10813	339	13	talukder	talukder	PROPN
easat-10813	339	14	,	,	PUNCT
easat-10813	339	15	m.	m.	NOUN
easat-10813	339	16	m.	m.	PROPN
easat-10813	339	17	islam	islam	PROPN
easat-10813	339	18	,	,	PUNCT
easat-10813	339	19	and	and	CCONJ
easat-10813	339	20	m.	m.	NOUN
easat-10813	339	21	a.	a.	PROPN
easat-10813	339	22	uddin	uddin	PROPN
easat-10813	339	23	,	,	PUNCT
easat-10813	339	24	"	"	PUNCT
easat-10813	339	25	a	a	DET
easat-10813	339	26	robust	robust	ADJ
easat-10813	339	27	hybrid	hybrid	ADJ
easat-10813	339	28	machine	machine	NOUN
easat-10813	339	29	learning	learning	NOUN
easat-10813	339	30	model	model	NOUN
easat-10813	339	31	for	for	ADP
easat-10813	339	32	bengali	bengali	PROPN
easat-10813	339	33	cyber	cyber	PROPN
easat-10813	339	34	bullying	bully	VERB
easat-10813	339	35	detection	detection	NOUN
easat-10813	339	36	in	in	ADP
easat-10813	339	37	social	social	ADJ
easat-10813	339	38	media	medium	NOUN
easat-10813	339	39	,	,	PUNCT
easat-10813	339	40	"	"	PUNCT
easat-10813	339	41	natural	natural	ADJ
easat-10813	339	42	language	language	NOUN
easat-10813	339	43	processing	processing	NOUN
easat-10813	339	44	journal	journal	NOUN
easat-10813	339	45	,	,	PUNCT
easat-10813	339	46	vol	vol	NOUN
easat-10813	339	47	.	.	PROPN
easat-10813	339	48	4	4	NUM
easat-10813	339	49	,	,	PUNCT
easat-10813	339	50	p.	p.	NOUN
easat-10813	339	51	100027	100027	NUM
easat-10813	339	52	,	,	PUNCT
easat-10813	339	53	2023	2023	NUM
easat-10813	339	54	.	.	PUNCT
easat-10813	339	55	https://doi.org/10.1016/j.nlp.2023.100027	https://doi.org/10.1016/j.nlp.2023.100027	PROPN
easat-10813	340	1	[	[	X
easat-10813	340	2	31	31	NUM
easat-10813	340	3	]	]	X
easat-10813	340	4	y.	y.	PROPN
easat-10813	340	5	lisun	lisun	PROPN
easat-10813	340	6	,	,	PUNCT
easat-10813	340	7	l.	l.	PROPN
easat-10813	340	8	semenova	semenova	PROPN
easat-10813	340	9	,	,	PUNCT
easat-10813	340	10	o.	o.	PROPN
easat-10813	340	11	kudyrko	kudyrko	PROPN
easat-10813	340	12	,	,	PUNCT
easat-10813	340	13	s.	s.	PROPN
easat-10813	340	14	kovalchuk	kovalchuk	PROPN
easat-10813	340	15	,	,	PUNCT
easat-10813	340	16	and	and	CCONJ
easat-10813	340	17	d.	d.	PROPN
easat-10813	340	18	semchuk	semchuk	PROPN
easat-10813	340	19	,	,	PUNCT
easat-10813	340	20	"	"	PUNCT
easat-10813	340	21	the	the	DET
easat-10813	340	22	role	role	NOUN
easat-10813	340	23	of	of	ADP
easat-10813	340	24	social	social	ADJ
easat-10813	340	25	networks	network	NOUN
easat-10813	340	26	in	in	ADP
easat-10813	340	27	shaping	shape	VERB
easat-10813	340	28	consumer	consumer	NOUN
easat-10813	340	29	trends	trend	NOUN
easat-10813	340	30	and	and	CCONJ
easat-10813	340	31	developing	develop	VERB
easat-10813	340	32	the	the	DET
easat-10813	340	33	advertising	advertising	NOUN
easat-10813	340	34	industry	industry	NOUN
easat-10813	340	35	,	,	PUNCT
easat-10813	340	36	"	"	PUNCT
easat-10813	340	37	economic	economic	ADJ
easat-10813	340	38	affairs	affair	NOUN
easat-10813	340	39	,	,	PUNCT
easat-10813	340	40	vol	vol	NOUN
easat-10813	340	41	.	.	PROPN
easat-10813	340	42	69	69	NUM
easat-10813	340	43	,	,	PUNCT
easat-10813	340	44	pp	pp	ADJ
easat-10813	340	45	.	.	PUNCT
easat-10813	341	1	1	1	NUM
easat-10813	341	2	-	-	SYM
easat-10813	341	3	10	10	NUM
easat-10813	341	4	,	,	PUNCT
easat-10813	341	5	2024	2024	NUM
easat-10813	341	6	.	.	PUNCT
easat-10813	342	1	[	[	X
easat-10813	342	2	32	32	NUM
easat-10813	342	3	]	]	PUNCT
easat-10813	342	4	k.	k.	PROPN
easat-10813	342	5	keung	keung	PROPN
easat-10813	342	6	,	,	PUNCT
easat-10813	342	7	c.	c.	PROPN
easat-10813	342	8	lee	lee	PROPN
easat-10813	342	9	,	,	PUNCT
easat-10813	342	10	and	and	CCONJ
easat-10813	342	11	k.-t	k.-t	PROPN
easat-10813	342	12	.	.	PUNCT
easat-10813	343	1	luk	luk	PROPN
easat-10813	343	2	,	,	PUNCT
easat-10813	343	3	"	"	PUNCT
easat-10813	343	4	determinants	determinant	NOUN
easat-10813	343	5	of	of	ADP
easat-10813	343	6	behavioral	behavioral	ADJ
easat-10813	343	7	intention	intention	NOUN
easat-10813	343	8	in	in	ADP
easat-10813	343	9	augmented	augment	VERB
easat-10813	343	10	reality	reality	NOUN
easat-10813	343	11	filter	filter	NOUN
easat-10813	343	12	adoption	adoption	NOUN
easat-10813	343	13	:	:	PUNCT
easat-10813	343	14	an	an	DET
easat-10813	343	15	integrated	integrated	ADJ
easat-10813	343	16	tam	tam	NOUN
easat-10813	343	17	and	and	CCONJ
easat-10813	343	18	satisfaction	satisfaction	NOUN
easat-10813	343	19	–	–	PUNCT
easat-10813	343	20	loyalty	loyalty	NOUN
easat-10813	343	21	model	model	NOUN
easat-10813	343	22	approach	approach	NOUN
easat-10813	343	23	,	,	PUNCT
easat-10813	343	24	"	"	PUNCT
easat-10813	343	25	journal	journal	NOUN
easat-10813	343	26	of	of	ADP
easat-10813	343	27	theoretical	theoretical	ADJ
easat-10813	343	28	and	and	CCONJ
easat-10813	343	29	applied	apply	VERB
easat-10813	343	30	electronic	electronic	ADJ
easat-10813	343	31	commerce	commerce	NOUN
easat-10813	343	32	research	research	NOUN
easat-10813	343	33	,	,	PUNCT
easat-10813	343	34	vol	vol	NOUN
easat-10813	343	35	.	.	PROPN
easat-10813	343	36	20	20	NUM
easat-10813	343	37	,	,	PUNCT
easat-10813	343	38	no	no	INTJ
easat-10813	343	39	.	.	NOUN
easat-10813	343	40	3	3	NUM
easat-10813	343	41	,	,	PUNCT
easat-10813	343	42	p.	p.	NOUN
easat-10813	343	43	186	186	NUM
easat-10813	343	44	,	,	PUNCT
easat-10813	343	45	2025	2025	NUM
easat-10813	343	46	.	.	PUNCT
easat-10813	344	1	https://doi.org/10.3390/jtaer20030186	https://doi.org/10.3390/jtaer20030186	PROPN
easat-10813	344	2	https://doi.org/10.1016/j.techsoc.2024.102521	https://doi.org/10.1016/j.techsoc.2024.102521	PROPN
easat-10813	344	3	https://doi.org/10.20525/ijrbs.v11i4.1781	https://doi.org/10.20525/ijrbs.v11i4.1781	X
easat-10813	345	1	https://saia.co.za/storage/2025/04/saia-annual-review-2022-forging-stability-and-sustainability.pdf	https://saia.co.za/storage/2025/04/saia-annual-review-2022-forging-stability-and-sustainability.pdf	PROPN
easat-10813	345	2	https://saia.co.za/storage/2025/04/saia-annual-review-2022-forging-stability-and-sustainability.pdf	https://saia.co.za/storage/2025/04/saia-annual-review-2022-forging-stability-and-sustainability.pdf	PROPN
easat-10813	345	3	https://www.resbank.co.za/en/home/publications/publication-detail-pages/quarterly-bulletins/quarterly-bulletin-publications/2024/december	https://www.resbank.co.za/en/home/publications/publication-detail-pages/quarterly-bulletins/quarterly-bulletin-publications/2024/december	PROPN
easat-10813	345	4	https://www.resbank.co.za/en/home/publications/publication-detail-pages/quarterly-bulletins/quarterly-bulletin-publications/2024/december	https://www.resbank.co.za/en/home/publications/publication-detail-pages/quarterly-bulletins/quarterly-bulletin-publications/2024/december	VERB
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easat-10813	345	25	-	-	SYM
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easat-10813	346	6	:	:	PUNCT
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easat-10813	346	8	-	-	SYM
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easat-10813	348	2	33	33	NUM
easat-10813	348	3	]	]	PUNCT
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easat-10813	348	17	:	:	PUNCT
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easat-10813	350	9	.	.	PUNCT
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easat-10813	351	2	34	34	NUM
easat-10813	351	3	]	]	X
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easat-10813	351	5	.	.	PUNCT
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easat-10813	353	27	,	,	PUNCT
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easat-10813	353	30	,	,	PUNCT
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easat-10813	357	42	,	,	PUNCT
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easat-10813	358	2	-	-	SYM
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easat-10813	361	2	-	-	SYM
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easat-10813	362	22	and	and	CCONJ
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easat-10813	362	39	"	"	PUNCT
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easat-10813	362	53	2024	2024	NUM
easat-10813	362	54	.	.	PUNCT
easat-10813	363	1	https://doi.org/10.3390/info15060359	https://doi.org/10.3390/info15060359	PROPN
easat-10813	364	1	[	[	X
easat-10813	364	2	39	39	NUM
easat-10813	364	3	]	]	PUNCT
easat-10813	364	4	c.	c.	PROPN
easat-10813	364	5	m.	m.	PROPN
easat-10813	364	6	igreja	igreja	PROPN
easat-10813	364	7	,	,	PUNCT
easat-10813	364	8	b.	b.	PROPN
easat-10813	364	9	b.	b.	PROPN
easat-10813	364	10	sousa	sousa	PROPN
easat-10813	364	11	,	,	PUNCT
easat-10813	364	12	t.	t.	PROPN
easat-10813	364	13	silva	silva	PROPN
easat-10813	364	14	,	,	PUNCT
easat-10813	364	15	and	and	CCONJ
easat-10813	364	16	c.	c.	PROPN
easat-10813	364	17	m.	m.	PROPN
easat-10813	364	18	veloso	veloso	PROPN
easat-10813	364	19	,	,	PUNCT
easat-10813	364	20	"	"	PUNCT
easat-10813	364	21	assessment	assessment	NOUN
easat-10813	364	22	of	of	ADP
easat-10813	364	23	the	the	DET
easat-10813	364	24	quality	quality	NOUN
easat-10813	364	25	of	of	ADP
easat-10813	364	26	the	the	DET
easat-10813	364	27	service	service	NOUN
easat-10813	364	28	perceived	perceive	VERB
easat-10813	364	29	in	in	ADP
easat-10813	364	30	specific	specific	ADJ
easat-10813	364	31	contexts	context	NOUN
easat-10813	364	32	of	of	ADP
easat-10813	364	33	management	management	NOUN
easat-10813	364	34	of	of	ADP
easat-10813	364	35	a	a	DET
easat-10813	364	36	family	family	NOUN
easat-10813	364	37	business	business	NOUN
easat-10813	364	38	,	,	PUNCT
easat-10813	364	39	"	"	PUNCT
easat-10813	364	40	journal	journal	NOUN
easat-10813	364	41	of	of	ADP
easat-10813	364	42	family	family	NOUN
easat-10813	364	43	business	business	NOUN
easat-10813	364	44	management	management	NOUN
easat-10813	364	45	,	,	PUNCT
easat-10813	364	46	vol	vol	NOUN
easat-10813	364	47	.	.	PROPN
easat-10813	364	48	12	12	NUM
easat-10813	364	49	,	,	PUNCT
easat-10813	364	50	no	no	INTJ
easat-10813	364	51	.	.	NOUN
easat-10813	364	52	3	3	NUM
easat-10813	364	53	,	,	PUNCT
easat-10813	364	54	pp	pp	ADJ
easat-10813	364	55	.	.	PUNCT
easat-10813	365	1	538	538	NUM
easat-10813	365	2	-	-	SYM
easat-10813	365	3	554	554	NUM
easat-10813	365	4	,	,	PUNCT
easat-10813	365	5	2022	2022	NUM
easat-10813	365	6	.	.	PUNCT
easat-10813	366	1	https://doi.org/10.1108/jfbm-10-2021-0135	https://doi.org/10.1108/jfbm-10-2021-0135	X
easat-10813	366	2	[	[	X
easat-10813	366	3	40	40	NUM
easat-10813	366	4	]	]	PUNCT
easat-10813	366	5	d.	d.	PROPN
easat-10813	366	6	marikyan	marikyan	PROPN
easat-10813	366	7	and	and	CCONJ
easat-10813	366	8	s.	s.	PROPN
easat-10813	366	9	papagiannidis	papagiannidis	PROPN
easat-10813	366	10	,	,	PUNCT
easat-10813	366	11	unified	unified	ADJ
easat-10813	366	12	theory	theory	NOUN
easat-10813	366	13	of	of	ADP
easat-10813	366	14	acceptance	acceptance	NOUN
easat-10813	366	15	and	and	CCONJ
easat-10813	366	16	use	use	NOUN
easat-10813	366	17	of	of	ADP
easat-10813	366	18	technology	technology	NOUN
easat-10813	366	19	:	:	PUNCT
easat-10813	366	20	a	a	DET
easat-10813	366	21	review	review	NOUN
easat-10813	366	22	.	.	PUNCT
easat-10813	367	1	in	in	ADP
easat-10813	367	2	s.	s.	PROPN
easat-10813	367	3	papagiannidis	papagiannidis	PROPN
easat-10813	367	4	(	(	PUNCT
easat-10813	367	5	ed	ed	NOUN
easat-10813	367	6	.	.	PUNCT
easat-10813	367	7	)	)	PUNCT
easat-10813	367	8	,	,	PUNCT
easat-10813	367	9	theoryhub	theoryhub	NOUN
easat-10813	367	10	book	book	NOUN
easat-10813	367	11	.	.	PUNCT
easat-10813	368	1	newcastle	newcastle	PROPN
easat-10813	368	2	upon	upon	SCONJ
easat-10813	368	3	tyne	tyne	PROPN
easat-10813	368	4	,	,	PUNCT
easat-10813	368	5	uk	uk	PROPN
easat-10813	368	6	:	:	PUNCT
easat-10813	368	7	newcastle	newcastle	PROPN
easat-10813	368	8	university	university	PROPN
easat-10813	368	9	,	,	PUNCT
easat-10813	368	10	2023	2023	NUM
easat-10813	368	11	.	.	PUNCT
easat-10813	369	1	[	[	X
easat-10813	369	2	41	41	NUM
easat-10813	369	3	]	]	X
easat-10813	369	4	d.	d.	PROPN
easat-10813	369	5	yao	yao	PROPN
easat-10813	369	6	and	and	CCONJ
easat-10813	369	7	b.	b.	PROPN
easat-10813	369	8	k.	k.	PROPN
easat-10813	369	9	balakrishnan	balakrishnan	PROPN
easat-10813	369	10	,	,	PUNCT
easat-10813	369	11	"	"	PUNCT
easat-10813	369	12	an	an	DET
easat-10813	369	13	integrated	integrated	ADJ
easat-10813	369	14	model	model	NOUN
easat-10813	369	15	of	of	ADP
easat-10813	369	16	factors	factor	NOUN
easat-10813	369	17	influencing	influence	VERB
easat-10813	369	18	consumers	consumer	NOUN
easat-10813	369	19	'	'	PART
easat-10813	369	20	internet	internet	NOUN
easat-10813	369	21	insurance	insurance	NOUN
easat-10813	369	22	usage	usage	NOUN
easat-10813	369	23	behavior	behavior	NOUN
easat-10813	369	24	:	:	PUNCT
easat-10813	369	25	evidence	evidence	NOUN
easat-10813	369	26	from	from	ADP
easat-10813	369	27	china	china	PROPN
easat-10813	369	28	,	,	PUNCT
easat-10813	369	29	"	"	PUNCT
easat-10813	369	30	iaeng	iaeng	PROPN
easat-10813	369	31	international	international	PROPN
easat-10813	369	32	journal	journal	NOUN
easat-10813	369	33	of	of	ADP
easat-10813	369	34	applied	apply	VERB
easat-10813	369	35	mathematics	mathematic	NOUN
easat-10813	369	36	,	,	PUNCT
easat-10813	369	37	vol	vol	NOUN
easat-10813	369	38	.	.	PROPN
easat-10813	370	1	55	55	NUM
easat-10813	370	2	,	,	PUNCT
easat-10813	370	3	no	no	INTJ
easat-10813	370	4	.	.	NOUN
easat-10813	370	5	8	8	NUM
easat-10813	370	6	,	,	PUNCT
easat-10813	370	7	pp	pp	ADJ
easat-10813	370	8	.	.	PUNCT
easat-10813	371	1	2615	2615	NUM
easat-10813	371	2	-	-	SYM
easat-10813	371	3	2628	2628	NUM
easat-10813	371	4	,	,	PUNCT
easat-10813	371	5	2025	2025	NUM
easat-10813	371	6	.	.	PUNCT
easat-10813	372	1	[	[	X
easat-10813	372	2	42	42	NUM
easat-10813	372	3	]	]	PUNCT
easat-10813	372	4	r.	r.	PROPN
easat-10813	372	5	wang	wang	PROPN
easat-10813	372	6	et	et	PROPN
easat-10813	372	7	al	al	PROPN
easat-10813	372	8	.	.	PROPN
easat-10813	372	9	,	,	PUNCT
easat-10813	372	10	"	"	PUNCT
easat-10813	372	11	transparency	transparency	NOUN
easat-10813	372	12	in	in	ADP
easat-10813	372	13	persuasive	persuasive	ADJ
easat-10813	372	14	technology	technology	NOUN
easat-10813	372	15	,	,	PUNCT
easat-10813	372	16	immersive	immersive	ADJ
easat-10813	372	17	technology	technology	NOUN
easat-10813	372	18	,	,	PUNCT
easat-10813	372	19	and	and	CCONJ
easat-10813	372	20	online	online	ADJ
easat-10813	372	21	marketing	marketing	NOUN
easat-10813	372	22	:	:	PUNCT
easat-10813	372	23	facilitating	facilitate	VERB
easat-10813	372	24	users	user	NOUN
easat-10813	372	25	’	'	PUNCT
easat-10813	372	26	informed	inform	VERB
easat-10813	372	27	decision	decision	NOUN
easat-10813	372	28	making	making	NOUN
easat-10813	372	29	and	and	CCONJ
easat-10813	372	30	practical	practical	ADJ
easat-10813	372	31	implications	implication	NOUN
easat-10813	372	32	,	,	PUNCT
easat-10813	372	33	"	"	PUNCT
easat-10813	372	34	computers	computer	NOUN
easat-10813	372	35	in	in	ADP
easat-10813	372	36	human	human	ADJ
easat-10813	372	37	behavior	behavior	NOUN
easat-10813	372	38	,	,	PUNCT
easat-10813	372	39	vol	vol	NOUN
easat-10813	372	40	.	.	PROPN
easat-10813	372	41	139	139	NUM
easat-10813	372	42	,	,	PUNCT
easat-10813	372	43	p.	p.	NOUN
easat-10813	372	44	107545	107545	NUM
easat-10813	372	45	,	,	PUNCT
easat-10813	372	46	2023	2023	NUM
easat-10813	372	47	.	.	PUNCT
easat-10813	373	1	https://doi.org/10.1016/j.chb.2022.107545	https://doi.org/10.1016/j.chb.2022.107545	PROPN
easat-10813	374	1	[	[	X
easat-10813	374	2	43	43	NUM
easat-10813	374	3	]	]	X
easat-10813	374	4	c.	c.	NOUN
easat-10813	374	5	mwape	mwape	NOUN
easat-10813	374	6	,	,	PUNCT
easat-10813	374	7	"	"	PUNCT
easat-10813	374	8	predictors	predictor	NOUN
easat-10813	374	9	of	of	ADP
easat-10813	374	10	e	e	NOUN
easat-10813	374	11	-	-	NOUN
easat-10813	374	12	commerce	commerce	NOUN
easat-10813	374	13	adoption	adoption	NOUN
easat-10813	374	14	:	:	PUNCT
easat-10813	374	15	a	a	DET
easat-10813	374	16	case	case	NOUN
easat-10813	374	17	study	study	NOUN
easat-10813	374	18	of	of	ADP
easat-10813	374	19	one	one	NUM
easat-10813	374	20	life	life	NOUN
easat-10813	374	21	assurance	assurance	NOUN
easat-10813	374	22	zambia	zambia	PROPN
easat-10813	374	23	,	,	PUNCT
easat-10813	374	24	"	"	PUNCT
easat-10813	374	25	doctoral	doctoral	ADJ
easat-10813	374	26	dissertation	dissertation	NOUN
easat-10813	374	27	,	,	PUNCT
easat-10813	374	28	the	the	DET
easat-10813	374	29	university	university	PROPN
easat-10813	374	30	of	of	ADP
easat-10813	374	31	zambia	zambia	PROPN
easat-10813	374	32	,	,	PUNCT
easat-10813	374	33	2025	2025	NUM
easat-10813	374	34	.	.	PUNCT
easat-10813	375	1	[	[	X
easat-10813	375	2	44	44	NUM
easat-10813	375	3	]	]	X
easat-10813	375	4	c.	c.	PROPN
easat-10813	375	5	liao	liao	PROPN
easat-10813	375	6	and	and	CCONJ
easat-10813	375	7	y.	y.	PROPN
easat-10813	375	8	huang	huang	PROPN
easat-10813	375	9	,	,	PUNCT
easat-10813	375	10	"	"	PUNCT
easat-10813	375	11	service	service	NOUN
easat-10813	375	12	quality	quality	NOUN
easat-10813	375	13	and	and	CCONJ
easat-10813	375	14	behavioral	behavioral	ADJ
easat-10813	375	15	intentions	intention	NOUN
easat-10813	375	16	in	in	ADP
easat-10813	375	17	digital	digital	ADJ
easat-10813	375	18	insurance	insurance	NOUN
easat-10813	375	19	adoption	adoption	NOUN
easat-10813	375	20	:	:	PUNCT
easat-10813	375	21	an	an	DET
easat-10813	375	22	extension	extension	NOUN
easat-10813	375	23	of	of	ADP
easat-10813	375	24	the	the	DET
easat-10813	375	25	theory	theory	NOUN
easat-10813	375	26	of	of	ADP
easat-10813	375	27	planned	plan	VERB
easat-10813	375	28	behavior	behavior	NOUN
easat-10813	375	29	,	,	PUNCT
easat-10813	375	30	"	"	PUNCT
easat-10813	375	31	journal	journal	NOUN
easat-10813	375	32	of	of	ADP
easat-10813	375	33	financial	financial	ADJ
easat-10813	375	34	services	service	NOUN
easat-10813	375	35	marketing	marketing	NOUN
easat-10813	375	36	,	,	PUNCT
easat-10813	375	37	vol	vol	NOUN
easat-10813	375	38	.	.	PROPN
easat-10813	375	39	29	29	NUM
easat-10813	375	40	,	,	PUNCT
easat-10813	375	41	no	no	INTJ
easat-10813	375	42	.	.	NOUN
easat-10813	375	43	1	1	NUM
easat-10813	375	44	,	,	PUNCT
easat-10813	375	45	pp	pp	ADJ
easat-10813	375	46	.	.	PUNCT
easat-10813	376	1	45–62	45–62	NUM
easat-10813	376	2	,	,	PUNCT
easat-10813	376	3	2024	2024	NUM
easat-10813	376	4	.	.	PUNCT
easat-10813	377	1	[	[	X
easat-10813	377	2	45	45	NUM
easat-10813	377	3	]	]	PUNCT
easat-10813	377	4	a.	a.	NOUN
easat-10813	377	5	madhuri	madhuri	PROPN
easat-10813	377	6	,	,	PUNCT
easat-10813	377	7	m.	m.	NOUN
easat-10813	377	8	shireesha	shireesha	PROPN
easat-10813	377	9	,	,	PUNCT
easat-10813	377	10	s.	s.	PROPN
easat-10813	377	11	melchior	melchior	PROPN
easat-10813	377	12	reddy	reddy	PROPN
easat-10813	377	13	,	,	PUNCT
easat-10813	377	14	and	and	CCONJ
easat-10813	377	15	b.	b.	PROPN
easat-10813	377	16	r.	r.	PROPN
easat-10813	377	17	kumar	kumar	PROPN
easat-10813	377	18	,	,	PUNCT
easat-10813	377	19	"	"	PUNCT
easat-10813	377	20	exploring	explore	VERB
easat-10813	377	21	the	the	DET
easat-10813	377	22	role	role	NOUN
easat-10813	377	23	of	of	ADP
easat-10813	377	24	personalization	personalization	NOUN
easat-10813	377	25	in	in	ADP
easat-10813	377	26	ecommerce	ecommerce	PROPN
easat-10813	377	27	:	:	PUNCT
easat-10813	377	28	impacts	impact	NOUN
easat-10813	377	29	on	on	ADP
easat-10813	377	30	consumer	consumer	NOUN
easat-10813	377	31	trust	trust	NOUN
easat-10813	377	32	and	and	CCONJ
easat-10813	377	33	purchase	purchase	NOUN
easat-10813	377	34	intentions	intention	NOUN
easat-10813	377	35	,	,	PUNCT
easat-10813	377	36	"	"	PUNCT
easat-10813	377	37	european	european	ADJ
easat-10813	377	38	economic	economic	ADJ
easat-10813	377	39	letters	letter	NOUN
easat-10813	377	40	,	,	PUNCT
easat-10813	377	41	vol	vol	NOUN
easat-10813	377	42	.	.	PROPN
easat-10813	378	1	14	14	NUM
easat-10813	378	2	,	,	PUNCT
easat-10813	378	3	no	no	INTJ
easat-10813	378	4	.	.	NOUN
easat-10813	378	5	3	3	NUM
easat-10813	378	6	,	,	PUNCT
easat-10813	378	7	pp	pp	ADJ
easat-10813	378	8	.	.	PUNCT
easat-10813	379	1	907	907	NUM
easat-10813	379	2	919	919	NUM
easat-10813	379	3	,	,	PUNCT
easat-10813	379	4	2024	2024	NUM
easat-10813	379	5	.	.	PUNCT
easat-10813	380	1	https://doi.org/10.52783/eel.v14i3.1845	https://doi.org/10.52783/eel.v14i3.1845	NOUN
easat-10813	380	2	[	[	X
easat-10813	380	3	46	46	NUM
easat-10813	380	4	]	]	X
easat-10813	380	5	e.	e.	PROPN
easat-10813	380	6	t.	t.	PROPN
easat-10813	380	7	maziriri	maziriri	PROPN
easat-10813	380	8	,	,	PUNCT
easat-10813	380	9	b.	b.	PROPN
easat-10813	380	10	nyagadza	nyagadza	PROPN
easat-10813	380	11	,	,	PUNCT
easat-10813	380	12	m.	m.	NOUN
easat-10813	380	13	mapuranga	mapuranga	PROPN
easat-10813	380	14	,	,	PUNCT
easat-10813	380	15	and	and	CCONJ
easat-10813	380	16	t.	t.	PROPN
easat-10813	380	17	c.	c.	PROPN
easat-10813	380	18	maramura	maramura	PROPN
easat-10813	380	19	,	,	PUNCT
easat-10813	380	20	"	"	PUNCT
easat-10813	380	21	habitual	habitual	ADJ
easat-10813	380	22	facebook	facebook	NOUN
easat-10813	380	23	use	use	NOUN
easat-10813	380	24	as	as	ADP
easat-10813	380	25	a	a	DET
easat-10813	380	26	prognosticator	prognosticator	NOUN
easat-10813	380	27	for	for	ADP
easat-10813	380	28	life	life	NOUN
easat-10813	380	29	satisfaction	satisfaction	NOUN
easat-10813	380	30	and	and	CCONJ
easat-10813	380	31	psychological	psychological	ADJ
easat-10813	380	32	well	well	ADV
easat-10813	380	33	-	-	PUNCT
easat-10813	380	34	being	being	NOUN
easat-10813	380	35	:	:	PUNCT
easat-10813	380	36	social	social	ADJ
easat-10813	380	37	safeness	safeness	NOUN
easat-10813	380	38	as	as	ADP
easat-10813	380	39	a	a	DET
easat-10813	380	40	moderator	moderator	NOUN
easat-10813	380	41	,	,	PUNCT
easat-10813	380	42	"	"	PUNCT
easat-10813	380	43	arab	arab	PROPN
easat-10813	380	44	gulf	gulf	PROPN
easat-10813	380	45	journal	journal	PROPN
easat-10813	380	46	of	of	ADP
easat-10813	380	47	scientific	scientific	ADJ
easat-10813	380	48	research	research	NOUN
easat-10813	380	49	,	,	PUNCT
easat-10813	380	50	vol	vol	NOUN
easat-10813	380	51	.	.	PROPN
easat-10813	380	52	40	40	NUM
easat-10813	380	53	,	,	PUNCT
easat-10813	380	54	no	no	INTJ
easat-10813	380	55	.	.	NOUN
easat-10813	380	56	2	2	NUM
easat-10813	380	57	,	,	PUNCT
easat-10813	380	58	pp	pp	ADJ
easat-10813	380	59	.	.	PUNCT
easat-10813	381	1	153	153	NUM
easat-10813	381	2	-	-	SYM
easat-10813	381	3	179	179	NUM
easat-10813	381	4	,	,	PUNCT
easat-10813	381	5	2022	2022	NUM
easat-10813	381	6	.	.	PUNCT
easat-10813	382	1	https://doi.org/10.1108/agjsr-04-2022-0011	https://doi.org/10.1108/agjsr-04-2022-0011	PROPN
easat-10813	382	2	[	[	X
easat-10813	382	3	47	47	NUM
easat-10813	382	4	]	]	X
easat-10813	382	5	d.	d.	PROPN
easat-10813	382	6	el	el	PROPN
easat-10813	382	7	-	-	PUNCT
easat-10813	382	8	shihy	shihy	PROPN
easat-10813	382	9	and	and	CCONJ
easat-10813	382	10	s.	s.	PROPN
easat-10813	382	11	awaad	awaad	PROPN
easat-10813	382	12	,	,	PUNCT
easat-10813	382	13	"	"	PUNCT
easat-10813	382	14	leveraging	leverage	VERB
easat-10813	382	15	social	social	ADJ
easat-10813	382	16	media	medium	NOUN
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easat-10813	382	21	how	how	SCONJ
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easat-10813	382	24	user	user	NOUN
easat-10813	382	25	-	-	PUNCT
easat-10813	382	26	generated	generate	VERB
easat-10813	382	27	content	content	NOUN
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easat-10813	382	29	gen	gen	PROPN
easat-10813	382	30	z	z	PROPN
easat-10813	382	31	’s	’s	NOUN
easat-10813	382	32	purchase	purchase	NOUN
easat-10813	382	33	intentions	intention	NOUN
easat-10813	382	34	,	,	PUNCT
easat-10813	382	35	"	"	PUNCT
easat-10813	382	36	future	future	ADJ
easat-10813	382	37	business	business	NOUN
easat-10813	382	38	journal	journal	NOUN
easat-10813	382	39	,	,	PUNCT
easat-10813	382	40	vol	vol	NOUN
easat-10813	382	41	.	.	PROPN
easat-10813	382	42	11	11	NUM
easat-10813	382	43	,	,	PUNCT
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easat-10813	382	46	,	,	PUNCT
easat-10813	382	47	2025	2025	NUM
easat-10813	382	48	.	.	PUNCT
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easat-10813	384	2	48	48	NUM
easat-10813	384	3	]	]	PUNCT
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easat-10813	384	9	,	,	PUNCT
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easat-10813	384	17	n.	n.	PROPN
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easat-10813	384	21	exploring	explore	VERB
easat-10813	384	22	consumer	consumer	NOUN
easat-10813	384	23	purchase	purchase	NOUN
easat-10813	384	24	intentions	intention	NOUN
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easat-10813	384	28	:	:	PUNCT
easat-10813	384	29	a	a	DET
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easat-10813	384	37	(	(	PUNCT
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easat-10813	384	39	)	)	PUNCT
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easat-10813	384	47	,	,	PUNCT
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easat-10813	384	59	,	,	PUNCT
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easat-10813	384	61	.	.	PUNCT
easat-10813	385	1	[	[	X
easat-10813	385	2	49	49	X
easat-10813	385	3	]	]	PUNCT
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easat-10813	385	7	s.	s.	PROPN
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easat-10813	385	9	,	,	PUNCT
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easat-10813	385	12	,	,	PUNCT
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easat-10813	385	14	s.	s.	PROPN
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easat-10813	385	16	,	,	PUNCT
easat-10813	385	17	"	"	PUNCT
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easat-10813	385	22	:	:	PUNCT
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easat-10813	385	27	buying	buying	NOUN
easat-10813	385	28	,	,	PUNCT
easat-10813	385	29	"	"	PUNCT
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easat-10813	385	33	,	,	PUNCT
easat-10813	385	34	vol	vol	NOUN
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easat-10813	385	37	,	,	PUNCT
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easat-10813	385	41	,	,	PUNCT
easat-10813	385	42	pp	pp	ADJ
easat-10813	385	43	.	.	PUNCT
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easat-10813	386	2	-	-	SYM
easat-10813	386	3	939	939	NUM
easat-10813	386	4	,	,	PUNCT
easat-10813	386	5	2024	2024	NUM
easat-10813	386	6	.	.	PUNCT
easat-10813	387	1	https://doi.org/10.1108/prr-07-20220097	https://doi.org/10.1108/prr-07-20220097	NOUN
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easat-10813	388	2	50	50	NUM
easat-10813	388	3	]	]	X
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easat-10813	388	22	technology	technology	NOUN
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easat-10813	388	24	insurance	insurance	NOUN
easat-10813	388	25	and	and	CCONJ
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easat-10813	388	28	impact	impact	NOUN
easat-10813	388	29	on	on	ADP
easat-10813	388	30	consumer	consumer	NOUN
easat-10813	388	31	outcomes	outcome	NOUN
easat-10813	388	32	,	,	PUNCT
easat-10813	388	33	"	"	PUNCT
easat-10813	388	34	2022	2022	NUM
easat-10813	388	35	.	.	PUNCT
easat-10813	389	1	https://www.iaisweb.org/uploads/2022/01/180726-draft-issues-paper-on-the-increasing-use-of-digitaltechnology-in-insurance-and-its-potential-impact-on-consumer-outcomes.pdf	https://www.iaisweb.org/uploads/2022/01/180726-draft-issues-paper-on-the-increasing-use-of-digitaltechnology-in-insurance-and-its-potential-impact-on-consumer-outcomes.pdf	NOUN
easat-10813	389	2	.	.	PUNCT
easat-10813	390	1	[	[	X
easat-10813	390	2	accessed	access	VERB
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easat-10813	390	5	2025	2025	NUM
easat-10813	390	6	]	]	PUNCT
easat-10813	391	1	[	[	X
easat-10813	391	2	51	51	NUM
easat-10813	391	3	]	]	X
easat-10813	391	4	accenture	accenture	NOUN
easat-10813	391	5	,	,	PUNCT
easat-10813	391	6	"	"	PUNCT
easat-10813	391	7	insurance	insurance	NOUN
easat-10813	391	8	consumer	consumer	NOUN
easat-10813	391	9	study	study	NOUN
easat-10813	391	10	2021	2021	NUM
easat-10813	391	11	,	,	PUNCT
easat-10813	391	12	"	"	PUNCT
easat-10813	391	13	2021	2021	NUM
easat-10813	391	14	.	.	PUNCT
easat-10813	392	1	https://www.accenture.com/content/dam/accenture/final/accenture-com/document/accenture-insuranceconsumer-study-2021.pdf	https://www.accenture.com/content/dam/accenture/final/accenture-com/document/accenture-insuranceconsumer-study-2021.pdf	NOUN
easat-10813	392	2	.	.	PUNCT
easat-10813	393	1	[	[	X
easat-10813	393	2	accessed	access	VERB
easat-10813	393	3	15	15	NUM
easat-10813	393	4	july	july	NOUN
easat-10813	393	5	2025	2025	NUM
easat-10813	393	6	]	]	PUNCT
easat-10813	394	1	[	[	X
easat-10813	394	2	52	52	NUM
easat-10813	394	3	]	]	PUNCT
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easat-10813	394	5	ajzen	ajzen	PROPN
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easat-10813	394	9	,	,	PUNCT
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easat-10813	394	11	behavior	behavior	NOUN
easat-10813	394	12	using	use	VERB
easat-10813	394	13	the	the	DET
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easat-10813	395	1	in	in	ADP
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easat-10813	397	2	53	53	NUM
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easat-10813	398	12	,	,	PUNCT
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easat-10813	399	6	,	,	PUNCT
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easat-10813	399	8	.	.	PUNCT
easat-10813	400	1	537–555	537–555	NUM
easat-10813	400	2	,	,	PUNCT
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easat-10813	400	4	.	.	PUNCT
easat-10813	401	1	[	[	X
easat-10813	401	2	54	54	NUM
easat-10813	401	3	]	]	PUNCT
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easat-10813	401	9	transformation	transformation	NOUN
easat-10813	401	10	in	in	ADP
easat-10813	401	11	the	the	DET
easat-10813	401	12	south	south	ADJ
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easat-10813	401	14	retail	retail	ADJ
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easat-10813	401	16	:	:	PUNCT
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easat-10813	401	18	case	case	NOUN
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easat-10813	401	20	self	self	NOUN
easat-10813	401	21	-	-	PUNCT
easat-10813	401	22	service	service	NOUN
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easat-10813	401	24	,	,	PUNCT
easat-10813	401	25	"	"	PUNCT
easat-10813	401	26	2023	2023	NUM
easat-10813	401	27	.	.	PUNCT
easat-10813	402	1	https://doi.org/10.1016/j.dss.2023.113963	https://doi.org/10.1016/j.dss.2023.113963	PUNCT
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easat-10813	404	4	https://www.iaisweb.org/uploads/2022/01/180726-draft-issues-paper-on-the-increasing-use-of-digital-technology-in-insurance-and-its-potential-impact-on-consumer-outcomes.pdf	https://www.iaisweb.org/uploads/2022/01/180726-draft-issues-paper-on-the-increasing-use-of-digital-technology-in-insurance-and-its-potential-impact-on-consumer-outcomes.pdf	NOUN
easat-10813	404	5	https://www.accenture.com/content/dam/accenture/final/accenture-com/document/accenture-insurance-consumer-study-2021.pdf	https://www.accenture.com/content/dam/accenture/final/accenture-com/document/accenture-insurance-consumer-study-2021.pdf	NOUN
easat-10813	404	6	https://www.accenture.com/content/dam/accenture/final/accenture-com/document/accenture-insurance-consumer-study-2021.pdf	https://www.accenture.com/content/dam/accenture/final/accenture-com/document/accenture-insurance-consumer-study-2021.pdf	PROPN
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easat-10813	405	4	.	.	NOUN
easat-10813	405	5	11	11	NUM
easat-10813	405	6	:	:	PUNCT
easat-10813	405	7	160	160	NUM
easat-10813	405	8	-	-	SYM
easat-10813	405	9	172	172	NUM
easat-10813	405	10	,	,	PUNCT
easat-10813	405	11	2025	2025	NUM
easat-10813	405	12	doi	doi	NOUN
easat-10813	405	13	:	:	PUNCT
easat-10813	405	14	10.55214/2576	10.55214/2576	NUM
easat-10813	405	15	-	-	SYM
easat-10813	405	16	8484.v9i11.10813	8484.v9i11.10813	NUM
easat-10813	406	1	©	©	ADP
easat-10813	406	2	2025	2025	NUM
easat-10813	406	3	by	by	ADP
easat-10813	406	4	the	the	DET
easat-10813	406	5	authors	author	NOUN
easat-10813	406	6	;	;	PUNCT
easat-10813	406	7	licensee	licensee	PROPN
easat-10813	406	8	learning	learning	NOUN
easat-10813	406	9	gate	gate	NOUN
easat-10813	407	1	[	[	X
easat-10813	407	2	55	55	NUM
easat-10813	407	3	]	]	PUNCT
easat-10813	407	4	r.	r.	PROPN
easat-10813	407	5	masengu	masengu	PROPN
easat-10813	407	6	,	,	PUNCT
easat-10813	407	7	p.	p.	PROPN
easat-10813	407	8	chawuruka	chawuruka	PROPN
easat-10813	407	9	,	,	PUNCT
easat-10813	407	10	and	and	CCONJ
easat-10813	407	11	c.	c.	PROPN
easat-10813	407	12	muchenje	muchenje	PROPN
easat-10813	407	13	,	,	PUNCT
easat-10813	407	14	"	"	PUNCT
easat-10813	407	15	environment	environment	NOUN
easat-10813	407	16	attitudes	attitude	NOUN
easat-10813	407	17	and	and	CCONJ
easat-10813	407	18	social	social	ADJ
easat-10813	407	19	influence	influence	NOUN
easat-10813	407	20	of	of	ADP
easat-10813	407	21	sustainable	sustainable	ADJ
easat-10813	407	22	practices	practice	NOUN
easat-10813	407	23	:	:	PUNCT
easat-10813	407	24	a	a	DET
easat-10813	407	25	study	study	NOUN
easat-10813	407	26	on	on	ADP
easat-10813	407	27	consumer	consumer	NOUN
easat-10813	407	28	behaviour	behaviour	NOUN
easat-10813	407	29	in	in	ADP
easat-10813	407	30	zimbabwe	zimbabwe	NOUN
easat-10813	407	31	,	,	PUNCT
easat-10813	407	32	"	"	PUNCT
easat-10813	407	33	future	future	ADJ
easat-10813	407	34	business	business	NOUN
easat-10813	407	35	journal	journal	NOUN
easat-10813	407	36	,	,	PUNCT
easat-10813	407	37	vol	vol	NOUN
easat-10813	407	38	.	.	PROPN
easat-10813	407	39	11	11	NUM
easat-10813	407	40	,	,	PUNCT
easat-10813	407	41	p.	p.	NOUN
easat-10813	407	42	87	87	NUM
easat-10813	407	43	,	,	PUNCT
easat-10813	407	44	2025	2025	NUM
easat-10813	407	45	.	.	PUNCT
easat-10813	408	1	https://doi.org/10.1186/s43093-025-00499-6	https://doi.org/10.1186/s43093-025-00499-6	NUM
easat-10813	409	1	[	[	X
easat-10813	409	2	56	56	NUM
easat-10813	409	3	]	]	PUNCT
easat-10813	409	4	a.	a.	NOUN
easat-10813	409	5	ghanad	ghanad	PROPN
easat-10813	409	6	,	,	PUNCT
easat-10813	409	7	"	"	PUNCT
easat-10813	409	8	an	an	DET
easat-10813	409	9	overview	overview	NOUN
easat-10813	409	10	of	of	ADP
easat-10813	409	11	quantitative	quantitative	ADJ
easat-10813	409	12	research	research	NOUN
easat-10813	409	13	methods	method	NOUN
easat-10813	409	14	,	,	PUNCT
easat-10813	409	15	"	"	PUNCT
easat-10813	409	16	international	international	ADJ
easat-10813	409	17	journal	journal	NOUN
easat-10813	409	18	of	of	ADP
easat-10813	409	19	multidisciplinary	multidisciplinary	ADJ
easat-10813	409	20	research	research	NOUN
easat-10813	409	21	and	and	CCONJ
easat-10813	409	22	analysis	analysis	NOUN
easat-10813	409	23	,	,	PUNCT
easat-10813	409	24	vol	vol	NOUN
easat-10813	409	25	.	.	PROPN
easat-10813	409	26	6	6	NUM
easat-10813	409	27	,	,	PUNCT
easat-10813	409	28	no	no	INTJ
easat-10813	409	29	.	.	NOUN
easat-10813	409	30	08	08	NUM
easat-10813	409	31	,	,	PUNCT
easat-10813	409	32	pp	pp	ADJ
easat-10813	409	33	.	.	PUNCT
easat-10813	410	1	3794	3794	NUM
easat-10813	410	2	-	-	SYM
easat-10813	410	3	3803	3803	NUM
easat-10813	410	4	,	,	PUNCT
easat-10813	410	5	2023	2023	NUM
easat-10813	410	6	.	.	PUNCT
easat-10813	411	1	[	[	X
easat-10813	411	2	57	57	NUM
easat-10813	411	3	]	]	PUNCT
easat-10813	411	4	s.	s.	PROPN
easat-10813	411	5	alford	alford	PROPN
easat-10813	411	6	and	and	CCONJ
easat-10813	411	7	b.	b.	PROPN
easat-10813	411	8	teater	teater	PROPN
easat-10813	411	9	,	,	PUNCT
easat-10813	411	10	quantitative	quantitative	ADJ
easat-10813	411	11	research	research	NOUN
easat-10813	411	12	.	.	PUNCT
easat-10813	412	1	in	in	ADP
easat-10813	412	2	b.a	b.a	PROPN
easat-10813	412	3	.	.	PROPN
easat-10813	412	4	thyer	thyer	PROPN
easat-10813	412	5	(	(	PUNCT
easat-10813	412	6	ed	ed	NOUN
easat-10813	412	7	.	.	PUNCT
easat-10813	412	8	)	)	PUNCT
easat-10813	412	9	,	,	PUNCT
easat-10813	412	10	handbook	handbook	NOUN
easat-10813	412	11	of	of	ADP
easat-10813	412	12	research	research	NOUN
easat-10813	412	13	methods	method	NOUN
easat-10813	412	14	in	in	ADP
easat-10813	412	15	social	social	ADJ
easat-10813	412	16	work	work	NOUN
easat-10813	412	17	.	.	PUNCT
easat-10813	413	1	cheltenham	cheltenham	PROPN
easat-10813	413	2	,	,	PUNCT
easat-10813	413	3	united	united	ADJ
easat-10813	413	4	kingdom	kingdom	PROPN
easat-10813	413	5	:	:	PUNCT
easat-10813	413	6	edward	edward	PROPN
easat-10813	413	7	elgar	elgar	PROPN
easat-10813	413	8	publishing	publishing	PROPN
easat-10813	413	9	,	,	PUNCT
easat-10813	413	10	2025	2025	NUM
easat-10813	413	11	.	.	PUNCT
easat-10813	414	1	[	[	X
easat-10813	414	2	58	58	NUM
easat-10813	414	3	]	]	X
easat-10813	414	4	h.	h.	PROPN
easat-10813	414	5	e.	e.	PROPN
easat-10813	414	6	fischer	fischer	PROPN
easat-10813	414	7	,	,	PUNCT
easat-10813	414	8	w.	w.	PROPN
easat-10813	414	9	j.	j.	PROPN
easat-10813	414	10	boone	boone	PROPN
easat-10813	414	11	,	,	PUNCT
easat-10813	414	12	and	and	CCONJ
easat-10813	414	13	k.	k.	PROPN
easat-10813	414	14	neumann	neumann	PROPN
easat-10813	414	15	,	,	PUNCT
easat-10813	414	16	quantitative	quantitative	ADJ
easat-10813	414	17	research	research	NOUN
easat-10813	414	18	designs	design	NOUN
easat-10813	414	19	and	and	CCONJ
easat-10813	414	20	approaches	approach	NOUN
easat-10813	414	21	.	.	PUNCT
easat-10813	415	1	in	in	ADP
easat-10813	415	2	handbook	handbook	NOUN
easat-10813	415	3	of	of	ADP
easat-10813	415	4	research	research	NOUN
easat-10813	415	5	on	on	ADP
easat-10813	415	6	science	science	NOUN
easat-10813	415	7	education	education	NOUN
easat-10813	415	8	.	.	PUNCT
easat-10813	416	1	new	new	PROPN
easat-10813	416	2	york	york	PROPN
easat-10813	416	3	:	:	PUNCT
easat-10813	416	4	routledge	routledge	PROPN
easat-10813	416	5	,	,	PUNCT
easat-10813	416	6	2023	2023	NUM
easat-10813	416	7	.	.	PUNCT
easat-10813	417	1	[	[	X
easat-10813	417	2	59	59	NUM
easat-10813	417	3	]	]	PUNCT
easat-10813	417	4	e.	e.	PROPN
easat-10813	417	5	barroga	barroga	PROPN
easat-10813	417	6	et	et	PROPN
easat-10813	417	7	al	al	PROPN
easat-10813	417	8	.	.	PROPN
easat-10813	417	9	,	,	PUNCT
easat-10813	417	10	"	"	PUNCT
easat-10813	417	11	conducting	conduct	VERB
easat-10813	417	12	and	and	CCONJ
easat-10813	417	13	writing	write	VERB
easat-10813	417	14	quantitative	quantitative	ADJ
easat-10813	417	15	and	and	CCONJ
easat-10813	417	16	qualitative	qualitative	ADJ
easat-10813	417	17	research	research	NOUN
easat-10813	417	18	,	,	PUNCT
easat-10813	417	19	"	"	PUNCT
easat-10813	417	20	journal	journal	NOUN
easat-10813	417	21	of	of	ADP
easat-10813	417	22	korean	korean	PROPN
easat-10813	417	23	medical	medical	ADJ
easat-10813	417	24	science	science	NOUN
easat-10813	417	25	,	,	PUNCT
easat-10813	417	26	vol	vol	NOUN
easat-10813	417	27	.	.	PROPN
easat-10813	418	1	38	38	NUM
easat-10813	418	2	,	,	PUNCT
easat-10813	418	3	no	no	INTJ
easat-10813	418	4	.	.	NOUN
easat-10813	418	5	37	37	NUM
easat-10813	418	6	,	,	PUNCT
easat-10813	418	7	p.	p.	NOUN
easat-10813	418	8	e291	e291	PROPN
easat-10813	418	9	,	,	PUNCT
easat-10813	418	10	2023	2023	NUM
easat-10813	418	11	.	.	PUNCT
easat-10813	419	1	https://doi.org/10.3346/jkms.2023.38.e291	https://doi.org/10.3346/jkms.2023.38.e291	PROPN
easat-10813	419	2	[	[	X
easat-10813	419	3	60	60	NUM
easat-10813	419	4	]	]	PUNCT
easat-10813	419	5	r.	r.	PROPN
easat-10813	419	6	j.	j.	PROPN
easat-10813	419	7	leon	leon	PROPN
easat-10813	419	8	,	,	PUNCT
easat-10813	419	9	s.	s.	PROPN
easat-10813	419	10	lapkin	lapkin	PROPN
easat-10813	419	11	,	,	PUNCT
easat-10813	419	12	l.	l.	PROPN
easat-10813	419	13	fields	fields	PROPN
easat-10813	419	14	,	,	PUNCT
easat-10813	419	15	and	and	CCONJ
easat-10813	419	16	t.	t.	PROPN
easat-10813	419	17	moroney	moroney	PROPN
easat-10813	419	18	,	,	PUNCT
easat-10813	419	19	"	"	PUNCT
easat-10813	419	20	developing	develop	VERB
easat-10813	419	21	a	a	DET
easat-10813	419	22	self	self	NOUN
easat-10813	419	23	-	-	PUNCT
easat-10813	419	24	administered	administer	VERB
easat-10813	419	25	questionnaire	questionnaire	NOUN
easat-10813	419	26	:	:	PUNCT
easat-10813	419	27	methods	method	NOUN
easat-10813	419	28	and	and	CCONJ
easat-10813	419	29	considerations	consideration	NOUN
easat-10813	419	30	,	,	PUNCT
easat-10813	419	31	"	"	PUNCT
easat-10813	419	32	nurse	nurse	NOUN
easat-10813	419	33	researcher	researcher	NOUN
easat-10813	419	34	,	,	PUNCT
easat-10813	419	35	vol	vol	NOUN
easat-10813	419	36	.	.	PROPN
easat-10813	419	37	30	30	NUM
easat-10813	419	38	,	,	PUNCT
easat-10813	419	39	no	no	INTJ
easat-10813	419	40	.	.	NOUN
easat-10813	419	41	3	3	NUM
easat-10813	419	42	,	,	PUNCT
easat-10813	419	43	pp	pp	ADJ
easat-10813	419	44	.	.	PUNCT
easat-10813	420	1	36	36	NUM
easat-10813	420	2	-	-	SYM
easat-10813	420	3	45	45	NUM
easat-10813	420	4	,	,	PUNCT
easat-10813	420	5	2022	2022	NUM
easat-10813	420	6	.	.	PUNCT
easat-10813	421	1	https://doi.org/10.7748/nr.2022.e1848	https://doi.org/10.7748/nr.2022.e1848	PROPN
easat-10813	421	2	[	[	X
easat-10813	421	3	61	61	NUM
easat-10813	421	4	]	]	X
easat-10813	421	5	d.	d.	PROPN
easat-10813	421	6	demirdelen	demirdelen	VERB
easat-10813	421	7	alrawadieh	alrawadieh	ADV
easat-10813	421	8	and	and	CCONJ
easat-10813	421	9	z.	z.	PROPN
easat-10813	421	10	alrawadieh	alrawadieh	PROPN
easat-10813	421	11	,	,	PUNCT
easat-10813	421	12	"	"	PUNCT
easat-10813	421	13	perceived	perceive	VERB
easat-10813	421	14	organizational	organizational	ADJ
easat-10813	421	15	support	support	NOUN
easat-10813	421	16	and	and	CCONJ
easat-10813	421	17	well‐being	well‐being	NOUN
easat-10813	421	18	of	of	ADP
easat-10813	421	19	tour	tour	NOUN
easat-10813	421	20	guides	guide	NOUN
easat-10813	421	21	:	:	PUNCT
easat-10813	421	22	the	the	DET
easat-10813	421	23	mediating	mediate	VERB
easat-10813	421	24	effects	effect	NOUN
easat-10813	421	25	of	of	ADP
easat-10813	421	26	quality	quality	NOUN
easat-10813	421	27	of	of	ADP
easat-10813	421	28	work	work	NOUN
easat-10813	421	29	life	life	NOUN
easat-10813	421	30	,	,	PUNCT
easat-10813	421	31	"	"	PUNCT
easat-10813	421	32	international	international	ADJ
easat-10813	421	33	journal	journal	NOUN
easat-10813	421	34	of	of	ADP
easat-10813	421	35	tourism	tourism	NOUN
easat-10813	421	36	research	research	NOUN
easat-10813	421	37	,	,	PUNCT
easat-10813	421	38	vol	vol	NOUN
easat-10813	421	39	.	.	PROPN
easat-10813	421	40	24	24	NUM
easat-10813	421	41	,	,	PUNCT
easat-10813	421	42	no	no	INTJ
easat-10813	421	43	.	.	NOUN
easat-10813	421	44	3	3	NUM
easat-10813	421	45	,	,	PUNCT
easat-10813	421	46	pp	pp	ADJ
easat-10813	421	47	.	.	PUNCT
easat-10813	422	1	413	413	NUM
easat-10813	422	2	-	-	SYM
easat-10813	422	3	424	424	NUM
easat-10813	422	4	,	,	PUNCT
easat-10813	422	5	2022	2022	NUM
easat-10813	422	6	.	.	PUNCT
easat-10813	423	1	https://doi.org/10.1002/jtr.2511	https://doi.org/10.1002/jtr.2511	PROPN
easat-10813	424	1	[	[	X
easat-10813	424	2	62	62	NUM
easat-10813	424	3	]	]	X
easat-10813	424	4	n.	n.	PROPN
easat-10813	424	5	berggren	berggren	PROPN
easat-10813	424	6	,	,	PUNCT
easat-10813	424	7	"	"	PUNCT
easat-10813	424	8	dare	dare	VERB
easat-10813	424	9	to	to	PART
easat-10813	424	10	repair	repair	VERB
easat-10813	424	11	?	?	PUNCT
easat-10813	425	1	exploring	explore	VERB
easat-10813	425	2	the	the	DET
easat-10813	425	3	intention	intention	NOUN
easat-10813	425	4	-	-	PUNCT
easat-10813	425	5	behaviour	behaviour	NOUN
easat-10813	425	6	gap	gap	NOUN
easat-10813	425	7	among	among	ADP
easat-10813	425	8	consumers	consumer	NOUN
easat-10813	425	9	of	of	ADP
easat-10813	425	10	nudie	nudie	NOUN
easat-10813	425	11	jeans	jean	NOUN
easat-10813	425	12	,	,	PUNCT
easat-10813	425	13	"	"	PUNCT
easat-10813	425	14	master	master	NOUN
easat-10813	425	15	’s	’s	PART
easat-10813	425	16	thesis	thesis	NOUN
easat-10813	425	17	,	,	PUNCT
easat-10813	425	18	the	the	DET
easat-10813	425	19	international	international	PROPN
easat-10813	425	20	institute	institute	NOUN
easat-10813	425	21	for	for	ADP
easat-10813	425	22	industrial	industrial	ADJ
easat-10813	425	23	environmental	environmental	ADJ
easat-10813	425	24	economics	economic	NOUN
easat-10813	425	25	[	[	X
easat-10813	425	26	iiiee	iiiee	X
easat-10813	425	27	]	]	PUNCT
easat-10813	425	28	,	,	PUNCT
easat-10813	425	29	lund	lund	PROPN
easat-10813	425	30	university	university	PROPN
easat-10813	425	31	,	,	PUNCT
easat-10813	425	32	sweden	sweden	PROPN
easat-10813	425	33	,	,	PUNCT
easat-10813	425	34	2024	2024	NUM
easat-10813	425	35	.	.	PUNCT
easat-10813	426	1	https://doi.org/10.1186/s43093-025-00499-6	https://doi.org/10.1186/s43093-025-00499-6	NUM
easat-10813	426	2	https://doi.org/10.3346/jkms.2023.38.e291	https://doi.org/10.3346/jkms.2023.38.e291	PROPN
easat-10813	426	3	https://doi.org/10.7748/nr.2022.e1848	https://doi.org/10.7748/nr.2022.e1848	PROPN
easat-10813	426	4	https://doi.org/10.1002/jtr.2511	https://doi.org/10.1002/jtr.2511	PROPN