id	sid	tid	token	lemma	pos
easat-1102	1	1	edelweiss	edelweiss	PROPN
easat-1102	1	2	applied	apply	VERB
easat-1102	1	3	science	science	NOUN
easat-1102	1	4	and	and	CCONJ
easat-1102	1	5	technology	technology	NOUN
easat-1102	1	6	issn	issn	PROPN
easat-1102	1	7	:	:	PUNCT
easat-1102	1	8	2576	2576	NUM
easat-1102	1	9	-	-	SYM
easat-1102	1	10	8484	8484	NUM
easat-1102	1	11	vol	vol	NOUN
easat-1102	1	12	.	.	PROPN
easat-1102	1	13	8	8	NUM
easat-1102	1	14	,	,	PUNCT
easat-1102	1	15	no	no	INTJ
easat-1102	1	16	.	.	NOUN
easat-1102	1	17	4	4	NUM
easat-1102	1	18	,	,	PUNCT
easat-1102	1	19	56	56	NUM
easat-1102	1	20	-	-	SYM
easat-1102	1	21	69	69	NUM
easat-1102	1	22	2024	2024	NUM
easat-1102	1	23	publisher	publisher	NOUN
easat-1102	1	24	:	:	PUNCT
easat-1102	1	25	learning	learn	VERB
easat-1102	1	26	gate	gate	NOUN
easat-1102	1	27	doi	doi	PROPN
easat-1102	1	28	:	:	PUNCT
easat-1102	1	29	10.55214/25768484.v8i4.1102	10.55214/25768484.v8i4.1102	NUM
easat-1102	1	30	©	©	ADP
easat-1102	1	31	2024	2024	NUM
easat-1102	1	32	by	by	ADP
easat-1102	1	33	the	the	DET
easat-1102	1	34	authors	author	NOUN
easat-1102	1	35	;	;	PUNCT
easat-1102	1	36	licensee	licensee	PROPN
easat-1102	1	37	learning	learning	NOUN
easat-1102	1	38	gate	gate	NOUN
easat-1102	1	39	©	©	PROPN
easat-1102	1	40	2024	2024	NUM
easat-1102	1	41	by	by	ADP
easat-1102	1	42	the	the	DET
easat-1102	1	43	authors	author	NOUN
easat-1102	1	44	;	;	PUNCT
easat-1102	1	45	licensee	licensee	PROPN
easat-1102	1	46	learning	learning	NOUN
easat-1102	1	47	gate	gate	NOUN
easat-1102	1	48	history	history	NOUN
easat-1102	1	49	:	:	PUNCT
easat-1102	1	50	received	receive	VERB
easat-1102	1	51	:	:	PUNCT
easat-1102	1	52	19	19	NUM
easat-1102	1	53	january	january	NOUN
easat-1102	1	54	2024	2024	NUM
easat-1102	1	55	;	;	PUNCT
easat-1102	1	56	revised	revise	VERB
easat-1102	1	57	:	:	PUNCT
easat-1102	1	58	29	29	NUM
easat-1102	1	59	april	april	PROPN
easat-1102	1	60	2024	2024	NUM
easat-1102	1	61	;	;	PUNCT
easat-1102	1	62	accepted	accept	VERB
easat-1102	1	63	:	:	PUNCT
easat-1102	1	64	6	6	NUM
easat-1102	1	65	may	may	PROPN
easat-1102	1	66	2024	2024	NUM
easat-1102	1	67	;	;	PUNCT
easat-1102	1	68	published	publish	VERB
easat-1102	1	69	:	:	PUNCT
easat-1102	1	70	17	17	NUM
easat-1102	1	71	may	may	PROPN
easat-1102	1	72	2024	2024	NUM
easat-1102	1	73	*	*	PUNCT
easat-1102	1	74	correspondence	correspondence	NOUN
easat-1102	1	75	:	:	PUNCT
easat-1102	1	76	randyboyino@gmail.com	randyboyino@gmail.com	X
easat-1102	2	1	the	the	DET
easat-1102	2	2	influence	influence	NOUN
easat-1102	2	3	of	of	ADP
easat-1102	2	4	mobile	mobile	ADJ
easat-1102	2	5	money	money	NOUN
easat-1102	2	6	services	service	NOUN
easat-1102	2	7	on	on	ADP
easat-1102	2	8	customers	customer	NOUN
easat-1102	2	9	in	in	ADP
easat-1102	2	10	the	the	DET
easat-1102	2	11	bolgatanga	bolgatanga	NOUN
easat-1102	2	12	municipality	municipality	NOUN
easat-1102	2	13	,	,	PUNCT
easat-1102	2	14	ghana	ghana	PROPN
easat-1102	2	15	fuseini	fuseini	PROPN
easat-1102	2	16	mahama1	mahama1	PROPN
easat-1102	2	17	,	,	PUNCT
easat-1102	2	18	alhassan	alhassan	PROPN
easat-1102	2	19	bunyaminu2	bunyaminu2	PROPN
easat-1102	2	20	,	,	PUNCT
easat-1102	2	21	redruth	redruth	PROPN
easat-1102	2	22	nyaaba	nyaaba	NOUN
easat-1102	2	23	ayimpoya1	ayimpoya1	PROPN
easat-1102	2	24	*	*	PUNCT
easat-1102	2	25	,	,	PUNCT
easat-1102	2	26	james	james	PROPN
easat-1102	2	27	combert3	combert3	PROPN
easat-1102	3	1	1accounting	1accounting	NUM
easat-1102	3	2	and	and	CCONJ
easat-1102	3	3	finance	finance	PROPN
easat-1102	3	4	department	department	NOUN
easat-1102	3	5	,	,	PUNCT
easat-1102	3	6	bolgatanga	bolgatanga	PROPN
easat-1102	3	7	technical	technical	PROPN
easat-1102	3	8	university	university	PROPN
easat-1102	3	9	,	,	PUNCT
easat-1102	3	10	ghana	ghana	PROPN
easat-1102	3	11	,	,	PUNCT
easat-1102	3	12	bolgatanga	bolgatanga	NOUN
easat-1102	3	13	,	,	PUNCT
easat-1102	3	14	ghana	ghana	PROPN
easat-1102	3	15	;	;	PUNCT
easat-1102	3	16	fuzy73@yahoo.co.uk	fuzy73@yahoo.co.uk	NOUN
easat-1102	3	17	(	(	PUNCT
easat-1102	3	18	f.m	f.m	PROPN
easat-1102	3	19	.	.	PROPN
easat-1102	3	20	)	)	PUNCT
easat-1102	3	21	.	.	PUNCT
easat-1102	4	1	2accounting	2accounting	NUM
easat-1102	4	2	and	and	CCONJ
easat-1102	4	3	finance	finance	NOUN
easat-1102	4	4	department	department	NOUN
easat-1102	4	5	,	,	PUNCT
easat-1102	4	6	university	university	NOUN
easat-1102	4	7	of	of	ADP
easat-1102	4	8	professional	professional	ADJ
easat-1102	4	9	studies	study	NOUN
easat-1102	4	10	,	,	PUNCT
easat-1102	4	11	ghana	ghana	PROPN
easat-1102	4	12	;	;	PUNCT
easat-1102	4	13	alhassan.bunyaminu@upsamail.edu.gh	alhassan.bunyaminu@upsamail.edu.gh	NOUN
easat-1102	4	14	(	(	PUNCT
easat-1102	4	15	a.b	a.b	PROPN
easat-1102	4	16	.	.	PROPN
easat-1102	4	17	)	)	PUNCT
easat-1102	4	18	.	.	PUNCT
easat-1102	5	1	3bolgatanga	3bolgatanga	NUM
easat-1102	5	2	technical	technical	ADJ
easat-1102	5	3	university	university	NOUN
easat-1102	5	4	,	,	PUNCT
easat-1102	5	5	department	department	NOUN
easat-1102	5	6	of	of	ADP
easat-1102	5	7	accounting	accounting	NOUN
easat-1102	5	8	and	and	CCONJ
easat-1102	5	9	finance	finance	NOUN
easat-1102	5	10	,	,	PUNCT
easat-1102	5	11	ghana	ghana	PROPN
easat-1102	5	12	;	;	PUNCT
easat-1102	5	13	randyboyino@gmail.com	randyboyino@gmail.com	X
easat-1102	5	14	(	(	PUNCT
easat-1102	5	15	r.n.a	r.n.a	NOUN
easat-1102	5	16	.	.	PUNCT
easat-1102	5	17	)	)	PUNCT
easat-1102	5	18	.	.	PUNCT
easat-1102	6	1	4bolgatanga	4bolgatanga	NUM
easat-1102	6	2	technical	technical	ADJ
easat-1102	6	3	university	university	NOUN
easat-1102	6	4	,	,	PUNCT
easat-1102	6	5	department	department	NOUN
easat-1102	6	6	of	of	ADP
easat-1102	6	7	secretaryhip	secretaryhip	NOUN
easat-1102	6	8	and	and	CCONJ
easat-1102	6	9	management	management	NOUN
easat-1102	6	10	studies	study	NOUN
easat-1102	6	11	,	,	PUNCT
easat-1102	6	12	ghana	ghana	PROPN
easat-1102	6	13	;	;	PUNCT
easat-1102	6	14	combertj@gmail.com	combertj@gmail.com	X
easat-1102	6	15	(	(	PUNCT
easat-1102	6	16	j.c	j.c	PROPN
easat-1102	6	17	.	.	PROPN
easat-1102	6	18	)	)	PUNCT
easat-1102	6	19	.	.	PUNCT
easat-1102	7	1	abstract	abstract	ADJ
easat-1102	7	2	:	:	PUNCT
easat-1102	7	3	mobile	mobile	ADJ
easat-1102	7	4	telecommunications	telecommunication	NOUN
easat-1102	7	5	can	can	AUX
easat-1102	7	6	help	help	VERB
easat-1102	7	7	low	low	ADJ
easat-1102	7	8	-	-	PUNCT
easat-1102	7	9	income	income	NOUN
easat-1102	7	10	countries	country	NOUN
easat-1102	7	11	improve	improve	VERB
easat-1102	7	12	their	their	PRON
easat-1102	7	13	fixed	fix	VERB
easat-1102	7	14	-	-	PUNCT
easat-1102	7	15	line	line	NOUN
easat-1102	7	16	and	and	CCONJ
easat-1102	7	17	internet	internet	NOUN
easat-1102	7	18	infrastructures	infrastructure	NOUN
easat-1102	7	19	.	.	PUNCT
easat-1102	8	1	mobile	mobile	ADJ
easat-1102	8	2	phones	phone	NOUN
easat-1102	8	3	boost	boost	VERB
easat-1102	8	4	information	information	NOUN
easat-1102	8	5	availability	availability	NOUN
easat-1102	8	6	,	,	PUNCT
easat-1102	8	7	reduce	reduce	VERB
easat-1102	8	8	search	search	NOUN
easat-1102	8	9	costs	cost	NOUN
easat-1102	8	10	,	,	PUNCT
easat-1102	8	11	facilitate	facilitate	NOUN
easat-1102	8	12	supply	supply	NOUN
easat-1102	8	13	coordination	coordination	NOUN
easat-1102	8	14	,	,	PUNCT
easat-1102	8	15	and	and	CCONJ
easat-1102	8	16	benefit	benefit	VERB
easat-1102	8	17	low	low	ADJ
easat-1102	8	18	-	-	PUNCT
easat-1102	8	19	income	income	NOUN
easat-1102	8	20	people	people	NOUN
easat-1102	8	21	.	.	PUNCT
easat-1102	9	1	mobile	mobile	ADJ
easat-1102	9	2	banking	banking	NOUN
easat-1102	9	3	,	,	PUNCT
easat-1102	9	4	often	often	ADV
easat-1102	9	5	known	know	VERB
easat-1102	9	6	as	as	ADP
easat-1102	9	7	m	m	NOUN
easat-1102	9	8	-	-	NOUN
easat-1102	9	9	money	money	NOUN
easat-1102	9	10	,	,	PUNCT
easat-1102	9	11	uses	use	VERB
easat-1102	9	12	mobile	mobile	ADJ
easat-1102	9	13	networks	network	NOUN
easat-1102	9	14	to	to	PART
easat-1102	9	15	allow	allow	VERB
easat-1102	9	16	account	account	NOUN
easat-1102	9	17	balance	balance	NOUN
easat-1102	9	18	queries	query	NOUN
easat-1102	9	19	and	and	CCONJ
easat-1102	9	20	money	money	NOUN
easat-1102	9	21	transfers	transfer	NOUN
easat-1102	9	22	without	without	ADP
easat-1102	9	23	the	the	DET
easat-1102	9	24	use	use	NOUN
easat-1102	9	25	of	of	ADP
easat-1102	9	26	physical	physical	ADJ
easat-1102	9	27	infrastructure	infrastructure	NOUN
easat-1102	9	28	.	.	PUNCT
easat-1102	10	1	ghanaians	ghanaians	PROPN
easat-1102	10	2	strongly	strongly	ADV
easat-1102	10	3	prefer	prefer	VERB
easat-1102	10	4	mobile	mobile	ADJ
easat-1102	10	5	money	money	NOUN
easat-1102	10	6	transfer	transfer	NOUN
easat-1102	10	7	services	service	NOUN
easat-1102	10	8	because	because	SCONJ
easat-1102	10	9	of	of	ADP
easat-1102	10	10	their	their	PRON
easat-1102	10	11	low	low	ADJ
easat-1102	10	12	cost	cost	NOUN
easat-1102	10	13	and	and	CCONJ
easat-1102	10	14	accessibility	accessibility	NOUN
easat-1102	10	15	across	across	ADP
easat-1102	10	16	all	all	DET
easat-1102	10	17	economic	economic	ADJ
easat-1102	10	18	strata	strata	NOUN
easat-1102	10	19	.	.	PUNCT
easat-1102	11	1	these	these	DET
easat-1102	11	2	simple	simple	ADJ
easat-1102	11	3	and	and	CCONJ
easat-1102	11	4	dependable	dependable	ADJ
easat-1102	11	5	services	service	NOUN
easat-1102	11	6	are	be	AUX
easat-1102	11	7	suitable	suitable	ADJ
easat-1102	11	8	for	for	ADP
easat-1102	11	9	clients	client	NOUN
easat-1102	11	10	who	who	PRON
easat-1102	11	11	have	have	VERB
easat-1102	11	12	little	little	ADJ
easat-1102	11	13	financial	financial	ADJ
easat-1102	11	14	means	mean	NOUN
easat-1102	11	15	,	,	PUNCT
easat-1102	11	16	as	as	SCONJ
easat-1102	11	17	most	most	ADJ
easat-1102	11	18	ghanaians	ghanaians	PROPN
easat-1102	11	19	do	do	VERB
easat-1102	11	20	.	.	PUNCT
easat-1102	12	1	there	there	PRON
easat-1102	12	2	has	have	AUX
easat-1102	12	3	been	be	AUX
easat-1102	12	4	very	very	ADV
easat-1102	12	5	little	little	ADJ
easat-1102	12	6	empirical	empirical	ADJ
easat-1102	12	7	research	research	NOUN
easat-1102	12	8	into	into	ADP
easat-1102	12	9	the	the	DET
easat-1102	12	10	benefits	benefit	NOUN
easat-1102	12	11	and	and	CCONJ
easat-1102	12	12	challenges	challenge	NOUN
easat-1102	12	13	of	of	ADP
easat-1102	12	14	mobile	mobile	ADJ
easat-1102	12	15	money	money	NOUN
easat-1102	12	16	services	service	NOUN
easat-1102	12	17	.	.	PUNCT
easat-1102	13	1	because	because	SCONJ
easat-1102	13	2	of	of	ADP
easat-1102	13	3	a	a	DET
easat-1102	13	4	paucity	paucity	NOUN
easat-1102	13	5	of	of	ADP
easat-1102	13	6	data	datum	NOUN
easat-1102	13	7	at	at	ADP
easat-1102	13	8	the	the	DET
easat-1102	13	9	individual	individual	ADJ
easat-1102	13	10	level	level	NOUN
easat-1102	13	11	,	,	PUNCT
easat-1102	13	12	research	research	NOUN
easat-1102	13	13	into	into	ADP
easat-1102	13	14	the	the	DET
easat-1102	13	15	penetration	penetration	NOUN
easat-1102	13	16	of	of	ADP
easat-1102	13	17	financial	financial	ADJ
easat-1102	13	18	services	service	NOUN
easat-1102	13	19	in	in	ADP
easat-1102	13	20	low	low	ADJ
easat-1102	13	21	-	-	PUNCT
easat-1102	13	22	income	income	NOUN
easat-1102	13	23	countries	country	NOUN
easat-1102	13	24	such	such	ADJ
easat-1102	13	25	as	as	ADP
easat-1102	13	26	ghana	ghana	PROPN
easat-1102	13	27	is	be	AUX
easat-1102	13	28	limited	limited	ADJ
easat-1102	13	29	.	.	PUNCT
easat-1102	14	1	this	this	DET
easat-1102	14	2	study	study	NOUN
easat-1102	14	3	looks	look	VERB
easat-1102	14	4	at	at	ADP
easat-1102	14	5	both	both	CCONJ
easat-1102	14	6	the	the	DET
easat-1102	14	7	advantages	advantage	NOUN
easat-1102	14	8	and	and	CCONJ
easat-1102	14	9	disadvantages	disadvantage	NOUN
easat-1102	14	10	of	of	ADP
easat-1102	14	11	using	use	VERB
easat-1102	14	12	mobile	mobile	ADJ
easat-1102	14	13	money	money	NOUN
easat-1102	14	14	services	service	NOUN
easat-1102	14	15	.	.	PUNCT
easat-1102	15	1	the	the	DET
easat-1102	15	2	study	study	NOUN
easat-1102	15	3	analyzed	analyze	VERB
easat-1102	15	4	data	datum	NOUN
easat-1102	15	5	from	from	ADP
easat-1102	15	6	a	a	DET
easat-1102	15	7	mobile	mobile	ADJ
easat-1102	15	8	money	money	NOUN
easat-1102	15	9	survey	survey	NOUN
easat-1102	15	10	using	use	VERB
easat-1102	15	11	partial	partial	ADJ
easat-1102	15	12	squares	square	NOUN
easat-1102	15	13	structural	structural	ADJ
easat-1102	15	14	equation	equation	NOUN
easat-1102	15	15	modelling	modelling	NOUN
easat-1102	15	16	(	(	PUNCT
easat-1102	15	17	pls	pls	NOUN
easat-1102	15	18	-	-	PUNCT
easat-1102	15	19	sem	sem	NOUN
easat-1102	15	20	)	)	PUNCT
easat-1102	15	21	.	.	PUNCT
easat-1102	16	1	this	this	DET
easat-1102	16	2	evidence	evidence	NOUN
easat-1102	16	3	supports	support	VERB
easat-1102	16	4	the	the	DET
easat-1102	16	5	hypothesis	hypothesis	NOUN
easat-1102	16	6	that	that	PRON
easat-1102	16	7	benefits	benefit	NOUN
easat-1102	16	8	will	will	AUX
easat-1102	16	9	increase	increase	VERB
easat-1102	16	10	customer	customer	NOUN
easat-1102	16	11	sentiment	sentiment	NOUN
easat-1102	16	12	,	,	PUNCT
easat-1102	16	13	while	while	SCONJ
easat-1102	16	14	restrictions	restriction	NOUN
easat-1102	16	15	will	will	AUX
easat-1102	16	16	decrease	decrease	VERB
easat-1102	16	17	patronage	patronage	NOUN
easat-1102	16	18	.	.	PUNCT
easat-1102	17	1	the	the	DET
easat-1102	17	2	researchers	researcher	NOUN
easat-1102	17	3	will	will	AUX
easat-1102	17	4	conduct	conduct	VERB
easat-1102	17	5	additional	additional	ADJ
easat-1102	17	6	research	research	NOUN
easat-1102	17	7	into	into	ADP
easat-1102	17	8	the	the	DET
easat-1102	17	9	theoretical	theoretical	ADJ
easat-1102	17	10	and	and	CCONJ
easat-1102	17	11	practical	practical	ADJ
easat-1102	17	12	implications	implication	NOUN
easat-1102	17	13	of	of	ADP
easat-1102	17	14	mobile	mobile	ADJ
easat-1102	17	15	money	money	NOUN
easat-1102	17	16	systems	system	NOUN
easat-1102	17	17	'	'	PART
easat-1102	17	18	benefits	benefit	NOUN
easat-1102	17	19	and	and	CCONJ
easat-1102	17	20	drawbacks	drawback	NOUN
easat-1102	17	21	for	for	ADP
easat-1102	17	22	consumers	consumer	NOUN
easat-1102	17	23	.	.	PUNCT
easat-1102	18	1	it	it	PRON
easat-1102	18	2	supports	support	VERB
easat-1102	18	3	the	the	DET
easat-1102	18	4	hypothesis	hypothesis	NOUN
easat-1102	18	5	that	that	PRON
easat-1102	18	6	advantages	advantage	NOUN
easat-1102	18	7	improve	improve	VERB
easat-1102	18	8	consumers	consumer	NOUN
easat-1102	18	9	'	'	PART
easat-1102	18	10	perceptions	perception	NOUN
easat-1102	18	11	,	,	PUNCT
easat-1102	18	12	while	while	SCONJ
easat-1102	18	13	impediments	impediment	NOUN
easat-1102	18	14	reduce	reduce	VERB
easat-1102	18	15	patronage	patronage	NOUN
easat-1102	18	16	.	.	PUNCT
easat-1102	19	1	additional	additional	ADJ
easat-1102	19	2	research	research	NOUN
easat-1102	19	3	will	will	AUX
easat-1102	19	4	consider	consider	VERB
easat-1102	19	5	both	both	CCONJ
easat-1102	19	6	the	the	DET
easat-1102	19	7	theoretical	theoretical	ADJ
easat-1102	19	8	and	and	CCONJ
easat-1102	19	9	practical	practical	ADJ
easat-1102	19	10	implications	implication	NOUN
easat-1102	19	11	of	of	ADP
easat-1102	19	12	mobile	mobile	ADJ
easat-1102	19	13	money	money	NOUN
easat-1102	19	14	systems	system	NOUN
easat-1102	19	15	'	'	PART
easat-1102	19	16	benefits	benefit	NOUN
easat-1102	19	17	and	and	CCONJ
easat-1102	19	18	challenges	challenge	NOUN
easat-1102	19	19	for	for	ADP
easat-1102	19	20	users	user	NOUN
easat-1102	19	21	.	.	PUNCT
easat-1102	20	1	keywords	keyword	NOUN
easat-1102	20	2	:	:	PUNCT
easat-1102	20	3	benefits	benefit	NOUN
easat-1102	20	4	,	,	PUNCT
easat-1102	20	5	challenges	challenge	NOUN
easat-1102	20	6	,	,	PUNCT
easat-1102	20	7	customers	customer	NOUN
easat-1102	20	8	,	,	PUNCT
easat-1102	20	9	financial	financial	ADJ
easat-1102	20	10	inclusion	inclusion	NOUN
easat-1102	20	11	,	,	PUNCT
easat-1102	20	12	mobile	mobile	ADJ
easat-1102	20	13	money	money	NOUN
easat-1102	20	14	,	,	PUNCT
easat-1102	20	15	mobile	mobile	ADJ
easat-1102	20	16	phones	phone	NOUN
easat-1102	20	17	,	,	PUNCT
easat-1102	20	18	system	system	NOUN
easat-1102	20	19	.	.	PUNCT
easat-1102	21	1	1	1	X
easat-1102	21	2	.	.	X
easat-1102	21	3	introduction	introduction	NOUN
easat-1102	21	4	mobile	mobile	NOUN
easat-1102	21	5	telecommunications	telecommunication	NOUN
easat-1102	21	6	can	can	AUX
easat-1102	21	7	help	help	VERB
easat-1102	21	8	low	low	ADJ
easat-1102	21	9	-	-	PUNCT
easat-1102	21	10	income	income	NOUN
easat-1102	21	11	countries	country	NOUN
easat-1102	21	12	overcome	overcome	VERB
easat-1102	21	13	inadequate	inadequate	ADJ
easat-1102	21	14	fixed	fix	VERB
easat-1102	21	15	-	-	PUNCT
easat-1102	21	16	line	line	NOUN
easat-1102	21	17	and	and	CCONJ
easat-1102	21	18	internet	internet	NOUN
easat-1102	21	19	infrastructure	infrastructure	NOUN
easat-1102	21	20	.	.	PUNCT
easat-1102	22	1	mobile	mobile	ADJ
easat-1102	22	2	phones	phone	NOUN
easat-1102	22	3	enhance	enhance	VERB
easat-1102	22	4	information	information	NOUN
easat-1102	22	5	accessibility	accessibility	NOUN
easat-1102	22	6	,	,	PUNCT
easat-1102	22	7	reduce	reduce	VERB
easat-1102	22	8	search	search	NOUN
easat-1102	22	9	expenses	expense	NOUN
easat-1102	22	10	,	,	PUNCT
easat-1102	22	11	facilitate	facilitate	NOUN
easat-1102	22	12	supply	supply	NOUN
easat-1102	22	13	coordination	coordination	NOUN
easat-1102	22	14	,	,	PUNCT
easat-1102	22	15	and	and	CCONJ
easat-1102	22	16	improve	improve	VERB
easat-1102	22	17	services	service	NOUN
easat-1102	22	18	for	for	ADP
easat-1102	22	19	low	low	ADJ
easat-1102	22	20	-	-	PUNCT
easat-1102	22	21	income	income	NOUN
easat-1102	22	22	households	household	NOUN
easat-1102	22	23	.	.	PUNCT
easat-1102	23	1	mobile	mobile	ADJ
easat-1102	23	2	banking	banking	NOUN
easat-1102	23	3	,	,	PUNCT
easat-1102	23	4	often	often	ADV
easat-1102	23	5	known	know	VERB
easat-1102	23	6	as	as	ADP
easat-1102	23	7	m	m	NOUN
easat-1102	23	8	-	-	NOUN
easat-1102	23	9	money	money	NOUN
easat-1102	23	10	,	,	PUNCT
easat-1102	23	11	utilizes	utilize	VERB
easat-1102	23	12	mobile	mobile	ADJ
easat-1102	23	13	networks	network	NOUN
easat-1102	23	14	to	to	PART
easat-1102	23	15	provide	provide	VERB
easat-1102	23	16	account	account	NOUN
easat-1102	23	17	balance	balance	NOUN
easat-1102	23	18	inquiries	inquiry	NOUN
easat-1102	23	19	and	and	CCONJ
easat-1102	23	20	money	money	NOUN
easat-1102	23	21	transfers	transfer	NOUN
easat-1102	23	22	without	without	ADP
easat-1102	23	23	the	the	DET
easat-1102	23	24	need	need	NOUN
easat-1102	23	25	for	for	ADP
easat-1102	23	26	physical	physical	ADJ
easat-1102	23	27	infrastructure	infrastructure	NOUN
easat-1102	23	28	.	.	PUNCT
easat-1102	24	1	as	as	SCONJ
easat-1102	24	2	stated	state	VERB
easat-1102	24	3	in	in	ADP
easat-1102	24	4	mothobi	mothobi	NOUN
easat-1102	24	5	and	and	CCONJ
easat-1102	24	6	grzybowski	grzybowski	VERB
easat-1102	24	7	[	[	X
easat-1102	24	8	1	1	X
easat-1102	24	9	]	]	PUNCT
easat-1102	24	10	the	the	DET
easat-1102	24	11	use	use	NOUN
easat-1102	24	12	of	of	ADP
easat-1102	24	13	mobile	mobile	ADJ
easat-1102	24	14	banking	banking	NOUN
easat-1102	24	15	has	have	VERB
easat-1102	24	16	the	the	DET
easat-1102	24	17	capacity	capacity	NOUN
easat-1102	24	18	to	to	PART
easat-1102	24	19	improve	improve	VERB
easat-1102	24	20	the	the	DET
easat-1102	24	21	economies	economy	NOUN
easat-1102	24	22	of	of	ADP
easat-1102	24	23	low	low	ADJ
easat-1102	24	24	-	-	PUNCT
easat-1102	24	25	income	income	NOUN
easat-1102	24	26	countries	country	NOUN
easat-1102	24	27	and	and	CCONJ
easat-1102	24	28	reduce	reduce	VERB
easat-1102	24	29	poverty	poverty	NOUN
easat-1102	24	30	.	.	PUNCT
easat-1102	25	1	the	the	DET
easat-1102	25	2	growing	grow	VERB
easat-1102	25	3	use	use	NOUN
easat-1102	25	4	of	of	ADP
easat-1102	25	5	mobile	mobile	ADJ
easat-1102	25	6	devices	device	NOUN
easat-1102	25	7	has	have	AUX
easat-1102	25	8	significantly	significantly	ADV
easat-1102	25	9	changed	change	VERB
easat-1102	25	10	the	the	DET
easat-1102	25	11	way	way	NOUN
easat-1102	25	12	people	people	NOUN
easat-1102	25	13	access	access	VERB
easat-1102	25	14	financial	financial	ADJ
easat-1102	25	15	services	service	NOUN
easat-1102	25	16	,	,	PUNCT
easat-1102	25	17	particularly	particularly	ADV
easat-1102	25	18	mobile	mobile	ADJ
easat-1102	25	19	money	money	NOUN
easat-1102	25	20	,	,	PUNCT
easat-1102	25	21	which	which	PRON
easat-1102	25	22	is	be	AUX
easat-1102	25	23	a	a	DET
easat-1102	25	24	crucial	crucial	ADJ
easat-1102	25	25	method	method	NOUN
easat-1102	25	26	of	of	ADP
easat-1102	25	27	payment	payment	NOUN
easat-1102	25	28	in	in	ADP
easat-1102	25	29	the	the	DET
easat-1102	25	30	digital	digital	ADJ
easat-1102	25	31	economy	economy	NOUN
easat-1102	25	32	[	[	X
easat-1102	25	33	2	2	NUM
easat-1102	25	34	]	]	PUNCT
easat-1102	25	35	.	.	PUNCT
easat-1102	26	1	most	most	ADJ
easat-1102	26	2	of	of	ADP
easat-1102	26	3	the	the	DET
easat-1102	26	4	90	90	NUM
easat-1102	26	5	nations	nation	NOUN
easat-1102	26	6	with	with	ADP
easat-1102	26	7	mobile	mobile	ADJ
easat-1102	26	8	money	money	NOUN
easat-1102	26	9	services	service	NOUN
easat-1102	26	10	fall	fall	VERB
easat-1102	26	11	into	into	ADP
easat-1102	26	12	the	the	DET
easat-1102	26	13	lowand	lowand	ADJ
easat-1102	26	14	middle	middle	ADJ
easat-1102	26	15	-	-	PUNCT
easat-1102	26	16	income	income	NOUN
easat-1102	26	17	categories	category	NOUN
easat-1102	26	18	.	.	PUNCT
easat-1102	27	1	smart	smart	ADJ
easat-1102	27	2	communications	communication	NOUN
easat-1102	27	3	and	and	CCONJ
easat-1102	27	4	banco	banco	PROPN
easat-1102	27	5	de	de	PROPN
easat-1102	27	6	oro	oro	PROPN
easat-1102	27	7	introduced	introduce	VERB
easat-1102	27	8	the	the	DET
easat-1102	27	9	philippine	philippine	ADJ
easat-1102	27	10	mobile	mobile	ADJ
easat-1102	27	11	money	money	NOUN
easat-1102	27	12	service	service	NOUN
easat-1102	27	13	in	in	ADP
easat-1102	27	14	2001	2001	NUM
easat-1102	27	15	.	.	PUNCT
easat-1102	28	1	in	in	ADP
easat-1102	28	2	2007	2007	NUM
easat-1102	28	3	and	and	CCONJ
easat-1102	28	4	2008	2008	NUM
easat-1102	28	5	,	,	PUNCT
easat-1102	28	6	kenya	kenya	PROPN
easat-1102	28	7	,	,	PUNCT
easat-1102	28	8	tanzania	tanzania	PROPN
easat-1102	28	9	,	,	PUNCT
easat-1102	28	10	and	and	CCONJ
easat-1102	28	11	uganda	uganda	PROPN
easat-1102	28	12	introduced	introduce	VERB
easat-1102	28	13	mobile	mobile	ADJ
easat-1102	28	14	money	money	NOUN
easat-1102	28	15	services	service	NOUN
easat-1102	28	16	.	.	PUNCT
easat-1102	29	1	apprehensions	apprehension	NOUN
easat-1102	29	2	over	over	ADP
easat-1102	29	3	security	security	NOUN
easat-1102	29	4	can	can	AUX
easat-1102	29	5	be	be	AUX
easat-1102	29	6	the	the	DET
easat-1102	29	7	reason	reason	NOUN
easat-1102	29	8	for	for	ADP
easat-1102	29	9	the	the	DET
easat-1102	29	10	low	low	ADJ
easat-1102	29	11	acceptance	acceptance	NOUN
easat-1102	29	12	and	and	CCONJ
easat-1102	29	13	utilization	utilization	NOUN
easat-1102	29	14	of	of	ADP
easat-1102	29	15	mobile	mobile	ADJ
easat-1102	29	16	money	money	NOUN
easat-1102	29	17	.	.	PUNCT
easat-1102	30	1	mailto:fuzy73@yahoo.co.uk	mailto:fuzy73@yahoo.co.uk	PROPN
easat-1102	30	2	mailto:alhassan.bunyaminu@upsamail.edu.gh	mailto:alhassan.bunyaminu@upsamail.edu.gh	PROPN
easat-1102	30	3	mailto:combertj@gmail.com	mailto:combertj@gmail.com	X
easat-1102	30	4	57	57	NUM
easat-1102	30	5	edelweiss	edelweiss	PROPN
easat-1102	30	6	applied	apply	VERB
easat-1102	30	7	science	science	NOUN
easat-1102	30	8	and	and	CCONJ
easat-1102	30	9	technology	technology	NOUN
easat-1102	30	10	issn	issn	PROPN
easat-1102	30	11	:	:	PUNCT
easat-1102	30	12	2576	2576	NUM
easat-1102	30	13	-	-	SYM
easat-1102	30	14	8484	8484	NUM
easat-1102	30	15	vol	vol	NOUN
easat-1102	30	16	.	.	PROPN
easat-1102	30	17	8	8	NUM
easat-1102	30	18	,	,	PUNCT
easat-1102	30	19	no	no	INTJ
easat-1102	30	20	.	.	NOUN
easat-1102	31	1	4	4	NUM
easat-1102	31	2	:	:	SYM
easat-1102	31	3	56	56	NUM
easat-1102	31	4	-	-	SYM
easat-1102	31	5	69	69	NUM
easat-1102	31	6	,	,	PUNCT
easat-1102	31	7	2024	2024	NUM
easat-1102	31	8	doi	doi	NOUN
easat-1102	31	9	:	:	PUNCT
easat-1102	31	10	10.55214/25768484.v8i4.1102	10.55214/25768484.v8i4.1102	NUM
easat-1102	31	11	©	©	ADP
easat-1102	31	12	2024	2024	NUM
easat-1102	31	13	by	by	ADP
easat-1102	31	14	the	the	DET
easat-1102	31	15	authors	author	NOUN
easat-1102	31	16	;	;	PUNCT
easat-1102	31	17	licensee	licensee	PROPN
easat-1102	31	18	learning	learning	NOUN
easat-1102	31	19	gate	gate	PROPN
easat-1102	31	20	financial	financial	ADJ
easat-1102	31	21	inclusion	inclusion	NOUN
easat-1102	31	22	provides	provide	VERB
easat-1102	31	23	marginalized	marginalize	VERB
easat-1102	31	24	individuals	individual	NOUN
easat-1102	31	25	with	with	ADP
easat-1102	31	26	readily	readily	ADV
easat-1102	31	27	available	available	ADJ
easat-1102	31	28	loans	loan	NOUN
easat-1102	31	29	and	and	CCONJ
easat-1102	31	30	services	service	NOUN
easat-1102	31	31	.	.	PUNCT
easat-1102	32	1	according	accord	VERB
easat-1102	32	2	to	to	ADP
easat-1102	32	3	the	the	DET
easat-1102	32	4	world	world	NOUN
easat-1102	32	5	bank	bank	PROPN
easat-1102	32	6	and	and	CCONJ
easat-1102	32	7	united	united	PROPN
easat-1102	32	8	nations	nations	PROPN
easat-1102	32	9	capital	capital	PROPN
easat-1102	32	10	development	development	PROPN
easat-1102	32	11	fund	fund	PROPN
easat-1102	32	12	(	(	PUNCT
easat-1102	32	13	uncdf	uncdf	PROPN
easat-1102	32	14	)	)	PUNCT
easat-1102	32	15	,	,	PUNCT
easat-1102	32	16	mobile	mobile	ADJ
easat-1102	32	17	money	money	NOUN
easat-1102	32	18	can	can	AUX
easat-1102	32	19	offer	offer	VERB
easat-1102	32	20	cost	cost	NOUN
easat-1102	32	21	-	-	PUNCT
easat-1102	32	22	effective	effective	ADJ
easat-1102	32	23	,	,	PUNCT
easat-1102	32	24	secure	secure	ADJ
easat-1102	32	25	,	,	PUNCT
easat-1102	32	26	easily	easily	ADV
easat-1102	32	27	reachable	reachable	ADJ
easat-1102	32	28	,	,	PUNCT
easat-1102	32	29	flexible	flexible	ADJ
easat-1102	32	30	,	,	PUNCT
easat-1102	32	31	and	and	CCONJ
easat-1102	32	32	user	user	NOUN
easat-1102	32	33	-	-	PUNCT
easat-1102	32	34	friendly	friendly	ADJ
easat-1102	32	35	financial	financial	ADJ
easat-1102	32	36	services	service	NOUN
easat-1102	32	37	,	,	PUNCT
easat-1102	32	38	particularly	particularly	ADV
easat-1102	32	39	in	in	ADP
easat-1102	32	40	impoverished	impoverished	ADJ
easat-1102	32	41	rural	rural	ADJ
easat-1102	32	42	countries	country	NOUN
easat-1102	32	43	.	.	PUNCT
easat-1102	33	1	mobile	mobile	ADJ
easat-1102	33	2	phones	phone	NOUN
easat-1102	33	3	facilitate	facilitate	VERB
easat-1102	33	4	payments	payment	NOUN
easat-1102	33	5	and	and	CCONJ
easat-1102	33	6	transfers	transfer	NOUN
easat-1102	33	7	for	for	ADP
easat-1102	33	8	individuals	individual	NOUN
easat-1102	33	9	who	who	PRON
easat-1102	33	10	have	have	VERB
easat-1102	33	11	limited	limit	VERB
easat-1102	33	12	access	access	NOUN
easat-1102	33	13	to	to	ADP
easat-1102	33	14	banking	banking	NOUN
easat-1102	33	15	services	service	NOUN
easat-1102	33	16	or	or	CCONJ
easat-1102	33	17	do	do	AUX
easat-1102	33	18	not	not	PART
easat-1102	33	19	have	have	VERB
easat-1102	33	20	a	a	DET
easat-1102	33	21	bank	bank	NOUN
easat-1102	33	22	account	account	NOUN
easat-1102	33	23	.	.	PUNCT
easat-1102	34	1	the	the	DET
easat-1102	34	2	widespread	widespread	ADJ
easat-1102	34	3	use	use	NOUN
easat-1102	34	4	and	and	CCONJ
easat-1102	34	5	acceptance	acceptance	NOUN
easat-1102	34	6	of	of	ADP
easat-1102	34	7	mobile	mobile	ADJ
easat-1102	34	8	phone	phone	NOUN
easat-1102	34	9	networks	network	NOUN
easat-1102	34	10	,	,	PUNCT
easat-1102	34	11	along	along	ADP
easat-1102	34	12	with	with	ADP
easat-1102	34	13	the	the	DET
easat-1102	34	14	absence	absence	NOUN
easat-1102	34	15	of	of	ADP
easat-1102	34	16	affordable	affordable	ADJ
easat-1102	34	17	alternatives	alternative	NOUN
easat-1102	34	18	,	,	PUNCT
easat-1102	34	19	particularly	particularly	ADV
easat-1102	34	20	in	in	ADP
easat-1102	34	21	rural	rural	ADJ
easat-1102	34	22	areas	area	NOUN
easat-1102	34	23	,	,	PUNCT
easat-1102	34	24	and	and	CCONJ
easat-1102	34	25	the	the	DET
easat-1102	34	26	comparatively	comparatively	ADV
easat-1102	34	27	lower	low	ADJ
easat-1102	34	28	fees	fee	NOUN
easat-1102	34	29	for	for	ADP
easat-1102	34	30	services	service	NOUN
easat-1102	34	31	compared	compare	VERB
easat-1102	34	32	to	to	ADP
easat-1102	34	33	traditional	traditional	ADJ
easat-1102	34	34	bank	bank	NOUN
easat-1102	34	35	accounts	account	NOUN
easat-1102	34	36	,	,	PUNCT
easat-1102	34	37	have	have	AUX
easat-1102	34	38	contributed	contribute	VERB
easat-1102	34	39	to	to	ADP
easat-1102	34	40	the	the	DET
easat-1102	34	41	rapid	rapid	ADJ
easat-1102	34	42	growth	growth	NOUN
easat-1102	34	43	of	of	ADP
easat-1102	34	44	mobile	mobile	ADJ
easat-1102	34	45	money	money	NOUN
easat-1102	34	46	usage	usage	NOUN
easat-1102	34	47	,	,	PUNCT
easat-1102	34	48	particularly	particularly	ADV
easat-1102	34	49	in	in	ADP
easat-1102	34	50	developing	develop	VERB
easat-1102	34	51	countries	country	NOUN
easat-1102	34	52	.	.	PUNCT
easat-1102	35	1	family	family	NOUN
easat-1102	35	2	and	and	CCONJ
easat-1102	35	3	friends	friend	NOUN
easat-1102	35	4	'	'	PART
easat-1102	35	5	opinions	opinion	NOUN
easat-1102	35	6	influence	influence	VERB
easat-1102	35	7	the	the	DET
easat-1102	35	8	adoption	adoption	NOUN
easat-1102	35	9	of	of	ADP
easat-1102	35	10	mobile	mobile	ADJ
easat-1102	35	11	transactions	transaction	NOUN
easat-1102	35	12	.	.	PUNCT
easat-1102	36	1	individuals	individual	NOUN
easat-1102	36	2	with	with	ADP
easat-1102	36	3	low	low	ADJ
easat-1102	36	4	socioeconomic	socioeconomic	ADJ
easat-1102	36	5	status	status	NOUN
easat-1102	36	6	acquire	acquire	VERB
easat-1102	36	7	knowledge	knowledge	NOUN
easat-1102	36	8	about	about	ADP
easat-1102	36	9	mobile	mobile	ADJ
easat-1102	36	10	money	money	NOUN
easat-1102	36	11	through	through	ADP
easat-1102	36	12	their	their	PRON
easat-1102	36	13	familial	familial	ADJ
easat-1102	36	14	,	,	PUNCT
easat-1102	36	15	social	social	ADJ
easat-1102	36	16	,	,	PUNCT
easat-1102	36	17	and	and	CCONJ
easat-1102	36	18	peer	peer	NOUN
easat-1102	36	19	networks	network	NOUN
easat-1102	36	20	.	.	PUNCT
easat-1102	37	1	the	the	DET
easat-1102	37	2	research	research	NOUN
easat-1102	37	3	on	on	ADP
easat-1102	37	4	financial	financial	ADJ
easat-1102	37	5	inclusion	inclusion	NOUN
easat-1102	37	6	is	be	AUX
easat-1102	37	7	insufficient	insufficient	ADJ
easat-1102	37	8	[	[	X
easat-1102	37	9	3	3	NUM
easat-1102	37	10	]	]	PUNCT
easat-1102	37	11	.	.	PUNCT
easat-1102	38	1	the	the	DET
easat-1102	38	2	rapid	rapid	ADJ
easat-1102	38	3	expansion	expansion	NOUN
easat-1102	38	4	of	of	ADP
easat-1102	38	5	mobile	mobile	ADJ
easat-1102	38	6	phone	phone	NOUN
easat-1102	38	7	networks	network	NOUN
easat-1102	38	8	has	have	AUX
easat-1102	38	9	led	lead	VERB
easat-1102	38	10	to	to	ADP
easat-1102	38	11	the	the	DET
easat-1102	38	12	emergence	emergence	NOUN
easat-1102	38	13	of	of	ADP
easat-1102	38	14	m	m	NOUN
easat-1102	38	15	-	-	ADJ
easat-1102	38	16	money	money	NOUN
easat-1102	38	17	wallets	wallet	NOUN
easat-1102	38	18	,	,	PUNCT
easat-1102	38	19	which	which	PRON
easat-1102	38	20	bear	bear	VERB
easat-1102	38	21	similarities	similarity	NOUN
easat-1102	38	22	to	to	ADP
easat-1102	38	23	traditional	traditional	ADJ
easat-1102	38	24	bank	bank	NOUN
easat-1102	38	25	accounts	account	NOUN
easat-1102	38	26	[	[	X
easat-1102	38	27	4	4	NUM
easat-1102	38	28	]	]	PUNCT
easat-1102	38	29	.	.	PUNCT
easat-1102	39	1	mobile	mobile	ADJ
easat-1102	39	2	financial	financial	ADJ
easat-1102	39	3	transactions	transaction	NOUN
easat-1102	39	4	that	that	PRON
easat-1102	39	5	are	be	AUX
easat-1102	39	6	both	both	PRON
easat-1102	39	7	cost	cost	NOUN
easat-1102	39	8	-	-	PUNCT
easat-1102	39	9	effective	effective	ADJ
easat-1102	39	10	and	and	CCONJ
easat-1102	39	11	dependable	dependable	ADJ
easat-1102	39	12	have	have	VERB
easat-1102	39	13	the	the	DET
easat-1102	39	14	potential	potential	NOUN
easat-1102	39	15	to	to	PART
easat-1102	39	16	increase	increase	VERB
easat-1102	39	17	fund	fund	NOUN
easat-1102	39	18	availability	availability	NOUN
easat-1102	39	19	and	and	CCONJ
easat-1102	39	20	mitigate	mitigate	VERB
easat-1102	39	21	criminal	criminal	ADJ
easat-1102	39	22	vulnerabilities	vulnerability	NOUN
easat-1102	39	23	.	.	PUNCT
easat-1102	40	1	indian	indian	ADJ
easat-1102	40	2	merchants	merchant	NOUN
easat-1102	40	3	necessitate	necessitate	VERB
easat-1102	40	4	a	a	DET
easat-1102	40	5	dependable	dependable	ADJ
easat-1102	40	6	payment	payment	NOUN
easat-1102	40	7	system	system	NOUN
easat-1102	40	8	to	to	PART
easat-1102	40	9	cater	cater	VERB
easat-1102	40	10	to	to	ADP
easat-1102	40	11	the	the	DET
easat-1102	40	12	demands	demand	NOUN
easat-1102	40	13	and	and	CCONJ
easat-1102	40	14	preferences	preference	NOUN
easat-1102	40	15	of	of	ADP
easat-1102	40	16	their	their	PRON
easat-1102	40	17	customers	customer	NOUN
easat-1102	40	18	.	.	PUNCT
easat-1102	41	1	wallet	wallet	NOUN
easat-1102	41	2	services	service	NOUN
easat-1102	41	3	,	,	PUNCT
easat-1102	41	4	point	point	NOUN
easat-1102	41	5	-	-	PUNCT
easat-1102	41	6	of	of	ADP
easat-1102	41	7	-	-	PUNCT
easat-1102	41	8	sale	sale	NOUN
easat-1102	41	9	transactions	transaction	NOUN
easat-1102	41	10	,	,	PUNCT
easat-1102	41	11	and	and	CCONJ
easat-1102	41	12	sound	sound	ADJ
easat-1102	41	13	wave	wave	NOUN
easat-1102	41	14	payments	payment	NOUN
easat-1102	41	15	are	be	AUX
easat-1102	41	16	all	all	PRON
easat-1102	41	17	costeffective	costeffective	ADJ
easat-1102	41	18	mobile	mobile	ADJ
easat-1102	41	19	payment	payment	NOUN
easat-1102	41	20	options	option	NOUN
easat-1102	41	21	.	.	PUNCT
easat-1102	42	1	merchant	merchant	NOUN
easat-1102	42	2	acceptability	acceptability	NOUN
easat-1102	42	3	is	be	AUX
easat-1102	42	4	contingent	contingent	ADJ
easat-1102	42	5	on	on	ADP
easat-1102	42	6	a	a	DET
easat-1102	42	7	variety	variety	NOUN
easat-1102	42	8	of	of	ADP
easat-1102	42	9	factors	factor	NOUN
easat-1102	42	10	,	,	PUNCT
easat-1102	42	11	including	include	VERB
easat-1102	42	12	the	the	DET
easat-1102	42	13	perception	perception	NOUN
easat-1102	42	14	of	of	ADP
easat-1102	42	15	value	value	NOUN
easat-1102	42	16	-	-	PUNCT
easat-1102	42	17	added	add	VERB
easat-1102	42	18	services	service	NOUN
easat-1102	42	19	,	,	PUNCT
easat-1102	42	20	level	level	NOUN
easat-1102	42	21	of	of	ADP
easat-1102	42	22	awareness	awareness	NOUN
easat-1102	42	23	,	,	PUNCT
easat-1102	42	24	cost	cost	NOUN
easat-1102	42	25	,	,	PUNCT
easat-1102	42	26	product	product	NOUN
easat-1102	42	27	compatibility	compatibility	NOUN
easat-1102	42	28	,	,	PUNCT
easat-1102	42	29	usability	usability	NOUN
easat-1102	42	30	,	,	PUNCT
easat-1102	42	31	and	and	CCONJ
easat-1102	42	32	technology	technology	NOUN
easat-1102	43	1	[	[	X
easat-1102	43	2	5	5	NUM
easat-1102	43	3	]	]	PUNCT
easat-1102	43	4	.	.	PUNCT
easat-1102	44	1	in	in	ADP
easat-1102	44	2	their	their	PRON
easat-1102	44	3	study	study	NOUN
easat-1102	44	4	,	,	PUNCT
easat-1102	44	5	singh	singh	PROPN
easat-1102	44	6	and	and	CCONJ
easat-1102	44	7	sinha	sinha	NOUN
easat-1102	44	8	[	[	X
easat-1102	44	9	6	6	NUM
easat-1102	44	10	]	]	PUNCT
easat-1102	44	11	discovered	discover	VERB
easat-1102	44	12	that	that	SCONJ
easat-1102	44	13	populations	population	NOUN
easat-1102	44	14	in	in	ADP
easat-1102	44	15	less	less	ADJ
easat-1102	44	16	developed	develop	VERB
easat-1102	44	17	countries	country	NOUN
easat-1102	44	18	employ	employ	VERB
easat-1102	44	19	informal	informal	ADJ
easat-1102	44	20	networks	network	NOUN
easat-1102	44	21	to	to	PART
easat-1102	44	22	safeguard	safeguard	VERB
easat-1102	44	23	their	their	PRON
easat-1102	44	24	assets	asset	NOUN
easat-1102	44	25	,	,	PUNCT
easat-1102	44	26	such	such	ADJ
easat-1102	44	27	as	as	ADP
easat-1102	44	28	livestock	livestock	NOUN
easat-1102	44	29	and	and	CCONJ
easat-1102	44	30	precious	precious	ADJ
easat-1102	44	31	gems	gem	NOUN
easat-1102	44	32	,	,	PUNCT
easat-1102	44	33	by	by	ADP
easat-1102	44	34	storing	store	VERB
easat-1102	44	35	them	they	PRON
easat-1102	44	36	under	under	ADP
easat-1102	44	37	mattresses	mattress	NOUN
easat-1102	44	38	or	or	CCONJ
easat-1102	44	39	participating	participate	VERB
easat-1102	44	40	in	in	ADP
easat-1102	44	41	rotating	rotate	VERB
easat-1102	44	42	savings	saving	NOUN
easat-1102	44	43	and	and	CCONJ
easat-1102	44	44	credit	credit	NOUN
easat-1102	44	45	associations	association	NOUN
easat-1102	44	46	(	(	PUNCT
easat-1102	44	47	roscas	roscas	PROPN
easat-1102	44	48	)	)	PUNCT
easat-1102	44	49	.	.	PUNCT
easat-1102	45	1	informal	informal	ADJ
easat-1102	45	2	saving	saving	NOUN
easat-1102	45	3	is	be	AUX
easat-1102	45	4	hazardous	hazardous	ADJ
easat-1102	45	5	,	,	PUNCT
easat-1102	45	6	inappropriate	inappropriate	ADJ
easat-1102	45	7	,	,	PUNCT
easat-1102	45	8	and	and	CCONJ
easat-1102	45	9	inadequate	inadequate	ADJ
easat-1102	45	10	.	.	PUNCT
easat-1102	46	1	having	have	VERB
easat-1102	46	2	liquid	liquid	ADJ
easat-1102	46	3	assets	asset	NOUN
easat-1102	46	4	is	be	AUX
easat-1102	46	5	crucial	crucial	ADJ
easat-1102	46	6	for	for	ADP
easat-1102	46	7	unexpected	unexpected	ADJ
easat-1102	46	8	circumstances	circumstance	NOUN
easat-1102	46	9	,	,	PUNCT
easat-1102	46	10	such	such	ADJ
easat-1102	46	11	as	as	ADP
easat-1102	46	12	a	a	DET
easat-1102	46	13	downturn	downturn	NOUN
easat-1102	46	14	in	in	ADP
easat-1102	46	15	health	health	NOUN
easat-1102	46	16	.	.	PUNCT
easat-1102	47	1	it	it	PRON
easat-1102	47	2	is	be	AUX
easat-1102	47	3	not	not	PART
easat-1102	47	4	advisable	advisable	ADJ
easat-1102	47	5	to	to	PART
easat-1102	47	6	hold	hold	VERB
easat-1102	47	7	a	a	DET
easat-1102	47	8	large	large	ADJ
easat-1102	47	9	amount	amount	NOUN
easat-1102	47	10	of	of	ADP
easat-1102	47	11	cash	cash	NOUN
easat-1102	47	12	due	due	ADP
easat-1102	47	13	to	to	ADP
easat-1102	47	14	the	the	DET
easat-1102	47	15	risk	risk	NOUN
easat-1102	47	16	of	of	ADP
easat-1102	47	17	theft	theft	NOUN
easat-1102	47	18	or	or	CCONJ
easat-1102	47	19	lack	lack	NOUN
easat-1102	47	20	of	of	ADP
easat-1102	47	21	self	self	NOUN
easat-1102	47	22	-	-	PUNCT
easat-1102	47	23	control	control	NOUN
easat-1102	47	24	.	.	PUNCT
easat-1102	48	1	users	user	NOUN
easat-1102	48	2	can	can	AUX
easat-1102	48	3	conveniently	conveniently	ADV
easat-1102	48	4	convert	convert	VERB
easat-1102	48	5	physical	physical	ADJ
easat-1102	48	6	currency	currency	NOUN
easat-1102	48	7	into	into	ADP
easat-1102	48	8	electronic	electronic	ADJ
easat-1102	48	9	money	money	NOUN
easat-1102	48	10	,	,	PUNCT
easat-1102	48	11	or	or	CCONJ
easat-1102	48	12	vice	vice	NOUN
easat-1102	48	13	versa	versa	ADV
easat-1102	48	14	,	,	PUNCT
easat-1102	48	15	by	by	ADP
easat-1102	48	16	utilizing	utilize	VERB
easat-1102	48	17	mobile	mobile	ADJ
easat-1102	48	18	money	money	NOUN
easat-1102	48	19	agents	agent	NOUN
easat-1102	48	20	available	available	ADJ
easat-1102	48	21	across	across	ADP
easat-1102	48	22	the	the	DET
easat-1102	48	23	entire	entire	ADJ
easat-1102	48	24	country	country	NOUN
easat-1102	48	25	.	.	PUNCT
easat-1102	49	1	mobile	mobile	ADJ
easat-1102	49	2	money	money	NOUN
easat-1102	49	3	users	user	NOUN
easat-1102	49	4	require	require	VERB
easat-1102	49	5	convenient	convenient	ADJ
easat-1102	49	6	options	option	NOUN
easat-1102	49	7	for	for	ADP
easat-1102	49	8	depositing	deposit	VERB
easat-1102	49	9	and	and	CCONJ
easat-1102	49	10	withdrawing	withdraw	VERB
easat-1102	49	11	cash	cash	NOUN
easat-1102	49	12	,	,	PUNCT
easat-1102	49	13	as	as	ADV
easat-1102	49	14	well	well	ADV
easat-1102	49	15	as	as	ADP
easat-1102	49	16	authorized	authorize	VERB
easat-1102	49	17	agents	agent	NOUN
easat-1102	49	18	who	who	PRON
easat-1102	49	19	own	own	VERB
easat-1102	49	20	sufficient	sufficient	ADJ
easat-1102	49	21	electronic	electronic	ADJ
easat-1102	49	22	funds	fund	NOUN
easat-1102	49	23	or	or	CCONJ
easat-1102	49	24	physical	physical	ADJ
easat-1102	49	25	currency	currency	NOUN
easat-1102	49	26	to	to	PART
easat-1102	49	27	facilitate	facilitate	VERB
easat-1102	49	28	these	these	DET
easat-1102	49	29	transactions	transaction	NOUN
easat-1102	49	30	.	.	PUNCT
easat-1102	50	1	as	as	SCONJ
easat-1102	50	2	stated	state	VERB
easat-1102	50	3	in	in	ADP
easat-1102	50	4	reference	reference	NOUN
easat-1102	50	5	akomea	akomea	PROPN
easat-1102	50	6	-	-	PUNCT
easat-1102	50	7	frimpong	frimpong	PROPN
easat-1102	50	8	,	,	PUNCT
easat-1102	50	9	et	et	PROPN
easat-1102	50	10	al	al	PROPN
easat-1102	50	11	.	.	PUNCT
easat-1102	51	1	[	[	X
easat-1102	51	2	7	7	NUM
easat-1102	51	3	]	]	X
easat-1102	51	4	mobile	mobile	ADJ
easat-1102	51	5	money	money	NOUN
easat-1102	51	6	is	be	AUX
easat-1102	51	7	widely	widely	ADV
easat-1102	51	8	favored	favor	VERB
easat-1102	51	9	in	in	ADP
easat-1102	51	10	developing	develop	VERB
easat-1102	51	11	economies	economy	NOUN
easat-1102	51	12	worldwide	worldwide	ADV
easat-1102	51	13	.	.	PUNCT
easat-1102	52	1	mobile	mobile	ADJ
easat-1102	52	2	money	money	NOUN
easat-1102	52	3	serves	serve	VERB
easat-1102	52	4	as	as	ADP
easat-1102	52	5	a	a	DET
easat-1102	52	6	handy	handy	ADJ
easat-1102	52	7	banking	banking	NOUN
easat-1102	52	8	option	option	NOUN
easat-1102	52	9	in	in	ADP
easat-1102	52	10	india	india	PROPN
easat-1102	52	11	,	,	PUNCT
easat-1102	52	12	uganda	uganda	PROPN
easat-1102	52	13	,	,	PUNCT
easat-1102	52	14	argentina	argentina	PROPN
easat-1102	52	15	,	,	PUNCT
easat-1102	52	16	tanzania	tanzania	PROPN
easat-1102	52	17	,	,	PUNCT
easat-1102	52	18	zambia	zambia	PROPN
easat-1102	52	19	,	,	PUNCT
easat-1102	52	20	nigeria	nigeria	PROPN
easat-1102	52	21	,	,	PUNCT
easat-1102	52	22	ghana	ghana	PROPN
easat-1102	52	23	,	,	PUNCT
easat-1102	52	24	and	and	CCONJ
easat-1102	52	25	kenya	kenya	NOUN
easat-1102	52	26	due	due	ADP
easat-1102	52	27	to	to	ADP
easat-1102	52	28	the	the	DET
easat-1102	52	29	prevalence	prevalence	NOUN
easat-1102	52	30	of	of	ADP
easat-1102	52	31	unbanked	unbanked	ADJ
easat-1102	52	32	individuals	individual	NOUN
easat-1102	52	33	.	.	PUNCT
easat-1102	53	1	mobile	mobile	ADJ
easat-1102	53	2	money	money	NOUN
easat-1102	53	3	users	user	NOUN
easat-1102	53	4	allocate	allocate	VERB
easat-1102	53	5	a	a	DET
easat-1102	53	6	greater	great	ADJ
easat-1102	53	7	portion	portion	NOUN
easat-1102	53	8	of	of	ADP
easat-1102	53	9	their	their	PRON
easat-1102	53	10	savings	saving	NOUN
easat-1102	53	11	towards	towards	ADP
easat-1102	53	12	unexpected	unexpected	ADJ
easat-1102	53	13	healthcare	healthcare	NOUN
easat-1102	53	14	expenses	expense	NOUN
easat-1102	53	15	than	than	ADP
easat-1102	53	16	anticipated	anticipated	ADJ
easat-1102	53	17	ones	one	NOUN
easat-1102	53	18	.	.	PUNCT
easat-1102	54	1	individuals	individual	NOUN
easat-1102	54	2	residing	reside	VERB
easat-1102	54	3	in	in	ADP
easat-1102	54	4	rural	rural	ADJ
easat-1102	54	5	areas	area	NOUN
easat-1102	54	6	,	,	PUNCT
easat-1102	54	7	identifying	identify	VERB
easat-1102	54	8	as	as	ADP
easat-1102	54	9	female	female	NOUN
easat-1102	54	10	,	,	PUNCT
easat-1102	54	11	lacking	lack	VERB
easat-1102	54	12	formal	formal	ADJ
easat-1102	54	13	education	education	NOUN
easat-1102	54	14	,	,	PUNCT
easat-1102	54	15	and	and	CCONJ
easat-1102	54	16	experiencing	experience	VERB
easat-1102	54	17	irregular	irregular	ADJ
easat-1102	54	18	income	income	NOUN
easat-1102	54	19	tend	tend	VERB
easat-1102	54	20	to	to	PART
easat-1102	54	21	allocate	allocate	VERB
easat-1102	54	22	a	a	DET
easat-1102	54	23	greater	great	ADJ
easat-1102	54	24	portion	portion	NOUN
easat-1102	54	25	of	of	ADP
easat-1102	54	26	their	their	PRON
easat-1102	54	27	savings	saving	NOUN
easat-1102	54	28	towards	towards	ADP
easat-1102	54	29	health	health	NOUN
easat-1102	54	30	emergencies	emergency	NOUN
easat-1102	54	31	.	.	PUNCT
easat-1102	55	1	while	while	SCONJ
easat-1102	55	2	governments	government	NOUN
easat-1102	55	3	and	and	CCONJ
easat-1102	55	4	central	central	ADJ
easat-1102	55	5	banks	bank	NOUN
easat-1102	55	6	have	have	AUX
easat-1102	55	7	indeed	indeed	ADV
easat-1102	55	8	increased	increase	VERB
easat-1102	55	9	mobile	mobile	ADJ
easat-1102	55	10	money	money	NOUN
easat-1102	55	11	services	service	NOUN
easat-1102	55	12	,	,	PUNCT
easat-1102	55	13	the	the	DET
easat-1102	55	14	impoverished	impoverished	ADJ
easat-1102	55	15	population	population	NOUN
easat-1102	55	16	has	have	AUX
easat-1102	55	17	derived	derive	VERB
easat-1102	55	18	minimal	minimal	ADJ
easat-1102	55	19	advantages	advantage	NOUN
easat-1102	55	20	from	from	ADP
easat-1102	55	21	these	these	DET
easat-1102	55	22	efforts	effort	NOUN
easat-1102	55	23	.	.	PUNCT
easat-1102	56	1	policy	policy	NOUN
easat-1102	56	2	and	and	CCONJ
easat-1102	56	3	regulatory	regulatory	ADJ
easat-1102	56	4	modifications	modification	NOUN
easat-1102	56	5	have	have	VERB
easat-1102	56	6	the	the	DET
easat-1102	56	7	potential	potential	NOUN
easat-1102	56	8	to	to	PART
easat-1102	56	9	enhance	enhance	VERB
easat-1102	56	10	the	the	DET
easat-1102	56	11	progress	progress	NOUN
easat-1102	56	12	of	of	ADP
easat-1102	56	13	mobile	mobile	ADJ
easat-1102	56	14	money	money	NOUN
easat-1102	56	15	systems	system	NOUN
easat-1102	56	16	and	and	CCONJ
easat-1102	56	17	promote	promote	VERB
easat-1102	56	18	the	the	DET
easat-1102	56	19	integration	integration	NOUN
easat-1102	56	20	of	of	ADP
easat-1102	56	21	formal	formal	ADJ
easat-1102	56	22	financial	financial	ADJ
easat-1102	56	23	services	service	NOUN
easat-1102	56	24	.	.	PUNCT
easat-1102	57	1	enhancing	enhance	VERB
easat-1102	57	2	mobile	mobile	ADJ
easat-1102	57	3	money	money	NOUN
easat-1102	57	4	accessibility	accessibility	NOUN
easat-1102	57	5	and	and	CCONJ
easat-1102	57	6	utilization	utilization	NOUN
easat-1102	57	7	can	can	AUX
easat-1102	57	8	be	be	AUX
easat-1102	57	9	achieved	achieve	VERB
easat-1102	57	10	by	by	ADP
easat-1102	57	11	the	the	DET
easat-1102	57	12	expansion	expansion	NOUN
easat-1102	57	13	of	of	ADP
easat-1102	57	14	electronic	electronic	ADJ
easat-1102	57	15	money	money	NOUN
easat-1102	57	16	issuers	issuer	NOUN
easat-1102	57	17	and	and	CCONJ
easat-1102	57	18	retail	retail	ADJ
easat-1102	57	19	agents	agent	NOUN
easat-1102	57	20	,	,	PUNCT
easat-1102	57	21	active	active	ADJ
easat-1102	57	22	participation	participation	NOUN
easat-1102	57	23	of	of	ADP
easat-1102	57	24	the	the	DET
easat-1102	57	25	government	government	NOUN
easat-1102	57	26	in	in	ADP
easat-1102	57	27	mobile	mobile	ADJ
easat-1102	57	28	money	money	NOUN
easat-1102	57	29	development	development	NOUN
easat-1102	57	30	,	,	PUNCT
easat-1102	57	31	and	and	CCONJ
easat-1102	57	32	cooperation	cooperation	NOUN
easat-1102	57	33	between	between	ADP
easat-1102	57	34	the	the	DET
easat-1102	57	35	government	government	NOUN
easat-1102	57	36	and	and	CCONJ
easat-1102	57	37	mobile	mobile	ADJ
easat-1102	57	38	money	money	NOUN
easat-1102	57	39	issuers	issuer	NOUN
easat-1102	57	40	for	for	ADP
easat-1102	57	41	employee	employee	NOUN
easat-1102	57	42	payments	payment	NOUN
easat-1102	57	43	and	and	CCONJ
easat-1102	57	44	tax	tax	NOUN
easat-1102	57	45	collection	collection	NOUN
easat-1102	57	46	.	.	PUNCT
easat-1102	58	1	financial	financial	ADJ
easat-1102	58	2	inclusion	inclusion	NOUN
easat-1102	58	3	facilitates	facilitate	VERB
easat-1102	58	4	the	the	DET
easat-1102	58	5	provision	provision	NOUN
easat-1102	58	6	of	of	ADP
easat-1102	58	7	healthcare	healthcare	NOUN
easat-1102	58	8	money	money	NOUN
easat-1102	58	9	to	to	ADP
easat-1102	58	10	households	household	NOUN
easat-1102	58	11	;	;	PUNCT
easat-1102	58	12	however	however	ADV
easat-1102	58	13	,	,	PUNCT
easat-1102	58	14	underdeveloped	underdeveloped	ADJ
easat-1102	58	15	nations	nation	NOUN
easat-1102	58	16	have	have	AUX
easat-1102	58	17	experienced	experience	VERB
easat-1102	58	18	a	a	DET
easat-1102	58	19	delay	delay	NOUN
easat-1102	58	20	in	in	ADP
easat-1102	58	21	this	this	DET
easat-1102	58	22	progress	progress	NOUN
easat-1102	58	23	.	.	PUNCT
easat-1102	59	1	mobile	mobile	ADJ
easat-1102	59	2	money	money	NOUN
easat-1102	59	3	can	can	AUX
easat-1102	59	4	be	be	AUX
easat-1102	59	5	advantageous	advantageous	ADJ
easat-1102	59	6	for	for	ADP
easat-1102	59	7	rural	rural	ADJ
easat-1102	59	8	households	household	NOUN
easat-1102	59	9	and	and	CCONJ
easat-1102	59	10	women	woman	NOUN
easat-1102	59	11	who	who	PRON
easat-1102	59	12	do	do	AUX
easat-1102	59	13	not	not	PART
easat-1102	59	14	have	have	VERB
easat-1102	59	15	access	access	NOUN
easat-1102	59	16	to	to	ADP
easat-1102	59	17	traditional	traditional	ADJ
easat-1102	59	18	banking	banking	NOUN
easat-1102	59	19	services	service	NOUN
easat-1102	59	20	.	.	PUNCT
easat-1102	60	1	mobile	mobile	ADJ
easat-1102	60	2	phones	phone	NOUN
easat-1102	60	3	have	have	AUX
easat-1102	60	4	successfully	successfully	ADV
easat-1102	60	5	provided	provide	VERB
easat-1102	60	6	access	access	NOUN
easat-1102	60	7	to	to	ADP
easat-1102	60	8	banking	banking	NOUN
easat-1102	60	9	services	service	NOUN
easat-1102	60	10	to	to	ADP
easat-1102	60	11	one	one	NUM
easat-1102	60	12	billion	billion	NUM
easat-1102	60	13	individuals	individual	NOUN
easat-1102	60	14	who	who	PRON
easat-1102	60	15	previously	previously	ADV
easat-1102	60	16	did	do	AUX
easat-1102	60	17	not	not	PART
easat-1102	60	18	have	have	VERB
easat-1102	60	19	access	access	NOUN
easat-1102	60	20	,	,	PUNCT
easat-1102	60	21	reducing	reduce	VERB
easat-1102	60	22	the	the	DET
easat-1102	60	23	disparity	disparity	NOUN
easat-1102	60	24	in	in	ADP
easat-1102	60	25	financial	financial	ADJ
easat-1102	60	26	inclusion	inclusion	NOUN
easat-1102	60	27	.	.	PUNCT
easat-1102	61	1	the	the	DET
easat-1102	61	2	utilization	utilization	NOUN
easat-1102	61	3	and	and	CCONJ
easat-1102	61	4	expenditure	expenditure	NOUN
easat-1102	61	5	of	of	ADP
easat-1102	61	6	healthcare	healthcare	NOUN
easat-1102	61	7	services	service	NOUN
easat-1102	61	8	are	be	AUX
easat-1102	61	9	anticipated	anticipate	VERB
easat-1102	61	10	to	to	PART
easat-1102	61	11	increase	increase	VERB
easat-1102	61	12	as	as	ADP
easat-1102	61	13	a	a	DET
easat-1102	61	14	result	result	NOUN
easat-1102	61	15	of	of	ADP
easat-1102	61	16	the	the	DET
easat-1102	61	17	implementation	implementation	NOUN
easat-1102	61	18	of	of	ADP
easat-1102	61	19	mobile	mobile	ADJ
easat-1102	61	20	money	money	NOUN
easat-1102	61	21	accounts	account	VERB
easat-1102	61	22	among	among	ADP
easat-1102	61	23	rural	rural	ADJ
easat-1102	61	24	families	family	NOUN
easat-1102	61	25	.	.	PUNCT
easat-1102	62	1	mobile	mobile	ADJ
easat-1102	62	2	banking	banking	NOUN
easat-1102	62	3	boasts	boast	VERB
easat-1102	62	4	a	a	DET
easat-1102	62	5	staggering	staggering	ADJ
easat-1102	62	6	299	299	NUM
easat-1102	62	7	million	million	NUM
easat-1102	62	8	users	user	NOUN
easat-1102	62	9	across	across	ADP
easat-1102	62	10	more	more	ADJ
easat-1102	62	11	than	than	ADP
easat-1102	62	12	60	60	NUM
easat-1102	62	13	%	%	NOUN
easat-1102	62	14	of	of	ADP
easat-1102	62	15	developing	develop	VERB
easat-1102	62	16	markets	market	NOUN
easat-1102	62	17	,	,	PUNCT
easat-1102	62	18	but	but	CCONJ
easat-1102	62	19	a	a	DET
easat-1102	62	20	staggering	staggering	ADJ
easat-1102	62	21	2.5	2.5	NUM
easat-1102	62	22	billion	billion	NUM
easat-1102	62	23	individuals	individual	NOUN
easat-1102	62	24	lack	lack	VERB
easat-1102	62	25	access	access	NOUN
easat-1102	62	26	to	to	ADP
easat-1102	62	27	institutional	institutional	ADJ
easat-1102	62	28	financial	financial	ADJ
easat-1102	62	29	services	service	NOUN
easat-1102	62	30	and	and	CCONJ
easat-1102	62	31	are	be	AUX
easat-1102	62	32	considered	consider	VERB
easat-1102	62	33	"	"	PUNCT
easat-1102	62	34	unbanked	unbanked	ADJ
easat-1102	62	35	"	"	PUNCT
easat-1102	62	36	.	.	PUNCT
easat-1102	63	1	the	the	DET
easat-1102	63	2	sustainable	sustainable	ADJ
easat-1102	63	3	development	development	NOUN
easat-1102	63	4	goals	goal	NOUN
easat-1102	63	5	(	(	PUNCT
easat-1102	63	6	sdgs	sdgs	ADJ
easat-1102	63	7	)	)	PUNCT
easat-1102	63	8	prioritize	prioritize	VERB
easat-1102	63	9	the	the	DET
easat-1102	63	10	importance	importance	NOUN
easat-1102	63	11	of	of	ADP
easat-1102	63	12	financial	financial	ADJ
easat-1102	63	13	58	58	NUM
easat-1102	63	14	edelweiss	edelweiss	PROPN
easat-1102	63	15	applied	apply	VERB
easat-1102	63	16	science	science	NOUN
easat-1102	63	17	and	and	CCONJ
easat-1102	63	18	technology	technology	NOUN
easat-1102	63	19	issn	issn	PROPN
easat-1102	63	20	:	:	PUNCT
easat-1102	63	21	2576	2576	NUM
easat-1102	63	22	-	-	SYM
easat-1102	63	23	8484	8484	NUM
easat-1102	63	24	vol	vol	NOUN
easat-1102	63	25	.	.	PROPN
easat-1102	64	1	8	8	NUM
easat-1102	64	2	,	,	PUNCT
easat-1102	64	3	no	no	INTJ
easat-1102	64	4	.	.	NOUN
easat-1102	65	1	4	4	NUM
easat-1102	65	2	:	:	SYM
easat-1102	65	3	56	56	NUM
easat-1102	65	4	-	-	SYM
easat-1102	65	5	69	69	NUM
easat-1102	65	6	,	,	PUNCT
easat-1102	65	7	2024	2024	NUM
easat-1102	65	8	doi	doi	NOUN
easat-1102	65	9	:	:	PUNCT
easat-1102	65	10	10.55214/25768484.v8i4.1102	10.55214/25768484.v8i4.1102	NUM
easat-1102	65	11	©	©	ADP
easat-1102	65	12	2024	2024	NUM
easat-1102	65	13	by	by	ADP
easat-1102	65	14	the	the	DET
easat-1102	65	15	authors	author	NOUN
easat-1102	65	16	;	;	PUNCT
easat-1102	65	17	licensee	licensee	PROPN
easat-1102	65	18	learning	learn	VERB
easat-1102	65	19	gate	gate	PROPN
easat-1102	65	20	services	service	NOUN
easat-1102	65	21	.	.	PUNCT
easat-1102	66	1	in	in	ADP
easat-1102	66	2	december	december	PROPN
easat-1102	66	3	2017	2017	NUM
easat-1102	66	4	,	,	PUNCT
easat-1102	66	5	mobile	mobile	ADJ
easat-1102	66	6	money	money	NOUN
easat-1102	66	7	transactions	transaction	NOUN
easat-1102	66	8	totaled	total	VERB
easat-1102	66	9	$	$	SYM
easat-1102	66	10	31.5	31.5	NUM
easat-1102	66	11	billion	billion	NUM
easat-1102	66	12	,	,	PUNCT
easat-1102	66	13	up	up	ADV
easat-1102	66	14	21	21	NUM
easat-1102	66	15	%	%	NOUN
easat-1102	66	16	from	from	ADP
easat-1102	66	17	$	$	SYM
easat-1102	66	18	26	26	NUM
easat-1102	66	19	billion	billion	NUM
easat-1102	66	20	in	in	ADP
easat-1102	66	21	2016	2016	NUM
easat-1102	66	22	[	[	X
easat-1102	66	23	8	8	NUM
easat-1102	66	24	]	]	PUNCT
easat-1102	66	25	.	.	PUNCT
easat-1102	67	1	mobile	mobile	ADJ
easat-1102	67	2	money	money	NOUN
easat-1102	67	3	has	have	AUX
easat-1102	67	4	surpassed	surpass	VERB
easat-1102	67	5	conventional	conventional	ADJ
easat-1102	67	6	banks	bank	NOUN
easat-1102	67	7	in	in	ADP
easat-1102	67	8	developing	develop	VERB
easat-1102	67	9	and	and	CCONJ
easat-1102	67	10	rising	rise	VERB
easat-1102	67	11	nations	nation	NOUN
easat-1102	67	12	,	,	PUNCT
easat-1102	67	13	a	a	DET
easat-1102	67	14	phenomenon	phenomenon	NOUN
easat-1102	67	15	referred	refer	VERB
easat-1102	67	16	to	to	ADP
easat-1102	67	17	as	as	ADP
easat-1102	67	18	"	"	PUNCT
easat-1102	67	19	leapfrogging	leapfrog	VERB
easat-1102	67	20	"	"	PUNCT
easat-1102	67	21	[	[	X
easat-1102	67	22	9	9	NUM
easat-1102	67	23	]	]	PUNCT
easat-1102	67	24	.	.	PUNCT
easat-1102	68	1	financial	financial	ADJ
easat-1102	68	2	inclusion	inclusion	NOUN
easat-1102	68	3	can	can	AUX
easat-1102	68	4	help	help	VERB
easat-1102	68	5	distribute	distribute	VERB
easat-1102	68	6	risk	risk	NOUN
easat-1102	68	7	among	among	ADP
easat-1102	68	8	economically	economically	ADV
easat-1102	68	9	disadvantaged	disadvantaged	ADJ
easat-1102	68	10	individuals	individual	NOUN
easat-1102	68	11	residing	reside	VERB
easat-1102	68	12	in	in	ADP
easat-1102	68	13	both	both	CCONJ
easat-1102	68	14	urban	urban	ADJ
easat-1102	68	15	and	and	CCONJ
easat-1102	68	16	rural	rural	ADJ
easat-1102	68	17	areas	area	NOUN
easat-1102	68	18	who	who	PRON
easat-1102	68	19	have	have	AUX
easat-1102	68	20	heightened	heighten	VERB
easat-1102	68	21	risk	risk	NOUN
easat-1102	68	22	sensitivity	sensitivity	NOUN
easat-1102	68	23	.	.	PUNCT
easat-1102	69	1	the	the	DET
easat-1102	69	2	expansion	expansion	NOUN
easat-1102	69	3	of	of	ADP
easat-1102	69	4	formal	formal	ADJ
easat-1102	69	5	banks	bank	NOUN
easat-1102	69	6	in	in	ADP
easat-1102	69	7	financial	financial	ADJ
easat-1102	69	8	inclusion	inclusion	NOUN
easat-1102	69	9	strategies	strategy	NOUN
easat-1102	69	10	has	have	AUX
easat-1102	69	11	been	be	AUX
easat-1102	69	12	impeded	impede	VERB
easat-1102	69	13	by	by	ADP
easat-1102	69	14	cost	cost	NOUN
easat-1102	69	15	and	and	CCONJ
easat-1102	69	16	market	market	NOUN
easat-1102	69	17	failure	failure	NOUN
easat-1102	69	18	.	.	PUNCT
easat-1102	70	1	consumers	consumer	NOUN
easat-1102	70	2	are	be	AUX
easat-1102	70	3	able	able	ADJ
easat-1102	70	4	to	to	PART
easat-1102	70	5	obtain	obtain	VERB
easat-1102	70	6	a	a	DET
easat-1102	70	7	mobile	mobile	ADJ
easat-1102	70	8	phone	phone	NOUN
easat-1102	70	9	,	,	PUNCT
easat-1102	70	10	while	while	SCONJ
easat-1102	70	11	the	the	DET
easat-1102	70	12	adaptable	adaptable	ADJ
easat-1102	70	13	infrastructure	infrastructure	NOUN
easat-1102	70	14	distributes	distribute	VERB
easat-1102	70	15	airtime	airtime	NOUN
easat-1102	70	16	through	through	ADP
easat-1102	70	17	secure	secure	ADJ
easat-1102	70	18	network	network	NOUN
easat-1102	70	19	channels	channel	NOUN
easat-1102	70	20	.	.	PUNCT
easat-1102	71	1	mobile	mobile	ADJ
easat-1102	71	2	money	money	NOUN
easat-1102	71	3	enables	enable	VERB
easat-1102	71	4	consumers	consumer	NOUN
easat-1102	71	5	who	who	PRON
easat-1102	71	6	lack	lack	VERB
easat-1102	71	7	access	access	NOUN
easat-1102	71	8	to	to	ADP
easat-1102	71	9	financial	financial	ADJ
easat-1102	71	10	services	service	NOUN
easat-1102	71	11	to	to	AUX
easat-1102	71	12	conveniently	conveniently	ADV
easat-1102	71	13	and	and	CCONJ
easat-1102	71	14	safely	safely	ADV
easat-1102	71	15	transfer	transfer	VERB
easat-1102	71	16	and	and	CCONJ
easat-1102	71	17	store	store	VERB
easat-1102	71	18	money	money	NOUN
easat-1102	71	19	at	at	ADP
easat-1102	71	20	a	a	DET
easat-1102	71	21	low	low	ADJ
easat-1102	71	22	cost	cost	NOUN
easat-1102	71	23	.	.	PUNCT
easat-1102	72	1	ghana	ghana	PROPN
easat-1102	72	2	's	's	PART
easat-1102	72	3	mobile	mobile	ADJ
easat-1102	72	4	money	money	NOUN
easat-1102	72	5	transfer	transfer	NOUN
easat-1102	72	6	service	service	NOUN
easat-1102	72	7	,	,	PUNCT
easat-1102	72	8	which	which	PRON
easat-1102	72	9	facilitates	facilitate	VERB
easat-1102	72	10	the	the	DET
easat-1102	72	11	acceleration	acceleration	NOUN
easat-1102	72	12	of	of	ADP
easat-1102	72	13	institutional	institutional	ADJ
easat-1102	72	14	procedures	procedure	NOUN
easat-1102	72	15	,	,	PUNCT
easat-1102	72	16	has	have	AUX
easat-1102	72	17	experienced	experience	VERB
easat-1102	72	18	excessive	excessive	ADJ
easat-1102	72	19	demand	demand	NOUN
easat-1102	72	20	[	[	X
easat-1102	72	21	10	10	NUM
easat-1102	72	22	]	]	PUNCT
easat-1102	72	23	.	.	PUNCT
easat-1102	73	1	the	the	DET
easat-1102	73	2	program	program	NOUN
easat-1102	73	3	has	have	AUX
easat-1102	73	4	achieved	achieve	VERB
easat-1102	73	5	success	success	NOUN
easat-1102	73	6	due	due	ADP
easat-1102	73	7	to	to	ADP
easat-1102	73	8	its	its	PRON
easat-1102	73	9	affordability	affordability	NOUN
easat-1102	73	10	and	and	CCONJ
easat-1102	73	11	accessibility	accessibility	NOUN
easat-1102	73	12	to	to	ADP
easat-1102	73	13	individuals	individual	NOUN
easat-1102	73	14	across	across	ADP
easat-1102	73	15	different	different	ADJ
easat-1102	73	16	income	income	NOUN
easat-1102	73	17	brackets	bracket	NOUN
easat-1102	73	18	.	.	PUNCT
easat-1102	74	1	the	the	DET
easat-1102	74	2	user	user	NOUN
easat-1102	74	3	-	-	PUNCT
easat-1102	74	4	friendly	friendly	ADJ
easat-1102	74	5	,	,	PUNCT
easat-1102	74	6	efficient	efficient	ADJ
easat-1102	74	7	,	,	PUNCT
easat-1102	74	8	and	and	CCONJ
easat-1102	74	9	reliable	reliable	ADJ
easat-1102	74	10	technology	technology	NOUN
easat-1102	74	11	has	have	VERB
easat-1102	74	12	the	the	DET
easat-1102	74	13	capability	capability	NOUN
easat-1102	74	14	to	to	PART
easat-1102	74	15	offer	offer	VERB
easat-1102	74	16	financial	financial	ADJ
easat-1102	74	17	services	service	NOUN
easat-1102	74	18	to	to	ADP
easat-1102	74	19	individuals	individual	NOUN
easat-1102	74	20	without	without	ADP
easat-1102	74	21	access	access	NOUN
easat-1102	74	22	to	to	ADP
easat-1102	74	23	traditional	traditional	ADJ
easat-1102	74	24	banking	banking	NOUN
easat-1102	74	25	or	or	CCONJ
easat-1102	74	26	those	those	PRON
easat-1102	74	27	who	who	PRON
easat-1102	74	28	choose	choose	VERB
easat-1102	74	29	more	more	ADJ
easat-1102	74	30	affordable	affordable	ADJ
easat-1102	74	31	alternatives	alternative	NOUN
easat-1102	74	32	.	.	PUNCT
easat-1102	75	1	this	this	DET
easat-1102	75	2	technology	technology	NOUN
easat-1102	75	3	development	development	NOUN
easat-1102	75	4	is	be	AUX
easat-1102	75	5	suitable	suitable	ADJ
easat-1102	75	6	for	for	ADP
easat-1102	75	7	clients	client	NOUN
easat-1102	75	8	who	who	PRON
easat-1102	75	9	struggle	struggle	VERB
easat-1102	75	10	to	to	PART
easat-1102	75	11	obtain	obtain	VERB
easat-1102	75	12	affordable	affordable	ADJ
easat-1102	75	13	and	and	CCONJ
easat-1102	75	14	easily	easily	ADV
easat-1102	75	15	accessible	accessible	ADJ
easat-1102	75	16	financial	financial	ADJ
easat-1102	75	17	services	service	NOUN
easat-1102	75	18	for	for	ADP
easat-1102	75	19	their	their	PRON
easat-1102	75	20	business	business	NOUN
easat-1102	75	21	operations	operation	NOUN
easat-1102	75	22	.	.	PUNCT
easat-1102	76	1	there	there	PRON
easat-1102	76	2	is	be	VERB
easat-1102	76	3	a	a	DET
easat-1102	76	4	scarcity	scarcity	NOUN
easat-1102	76	5	of	of	ADP
easat-1102	76	6	empirical	empirical	ADJ
easat-1102	76	7	research	research	NOUN
easat-1102	76	8	investigating	investigate	VERB
easat-1102	76	9	the	the	DET
easat-1102	76	10	benefits	benefit	NOUN
easat-1102	76	11	and	and	CCONJ
easat-1102	76	12	challenges	challenge	NOUN
easat-1102	76	13	of	of	ADP
easat-1102	76	14	mobile	mobile	ADJ
easat-1102	76	15	money	money	NOUN
easat-1102	76	16	services	service	NOUN
easat-1102	76	17	.	.	PUNCT
easat-1102	77	1	the	the	DET
easat-1102	77	2	exploration	exploration	NOUN
easat-1102	77	3	of	of	ADP
easat-1102	77	4	financial	financial	ADJ
easat-1102	77	5	service	service	NOUN
easat-1102	77	6	penetration	penetration	NOUN
easat-1102	77	7	in	in	ADP
easat-1102	77	8	low	low	ADJ
easat-1102	77	9	-	-	PUNCT
easat-1102	77	10	income	income	NOUN
easat-1102	77	11	countries	country	NOUN
easat-1102	77	12	such	such	ADJ
easat-1102	77	13	as	as	ADP
easat-1102	77	14	ghana	ghana	PROPN
easat-1102	77	15	is	be	AUX
easat-1102	77	16	limited	limit	VERB
easat-1102	77	17	due	due	ADP
easat-1102	77	18	to	to	ADP
easat-1102	77	19	the	the	DET
easat-1102	77	20	absence	absence	NOUN
easat-1102	77	21	of	of	ADP
easat-1102	77	22	individual	individual	ADJ
easat-1102	77	23	-	-	PUNCT
easat-1102	77	24	level	level	NOUN
easat-1102	77	25	data	datum	NOUN
easat-1102	77	26	.	.	PUNCT
easat-1102	78	1	nevertheless	nevertheless	ADV
easat-1102	78	2	,	,	PUNCT
easat-1102	78	3	the	the	DET
easat-1102	78	4	field	field	NOUN
easat-1102	78	5	of	of	ADP
easat-1102	78	6	worldwide	worldwide	ADJ
easat-1102	78	7	cell	cell	NOUN
easat-1102	78	8	phone	phone	NOUN
easat-1102	78	9	impact	impact	NOUN
easat-1102	78	10	studies	study	NOUN
easat-1102	78	11	is	be	AUX
easat-1102	78	12	expanding	expand	VERB
easat-1102	78	13	.	.	PUNCT
easat-1102	79	1	there	there	PRON
easat-1102	79	2	is	be	VERB
easat-1102	79	3	a	a	DET
easat-1102	79	4	scarcity	scarcity	NOUN
easat-1102	79	5	of	of	ADP
easat-1102	79	6	literature	literature	NOUN
easat-1102	79	7	about	about	ADP
easat-1102	79	8	the	the	DET
easat-1102	79	9	benefits	benefit	NOUN
easat-1102	79	10	and	and	CCONJ
easat-1102	79	11	challenges	challenge	NOUN
easat-1102	79	12	of	of	ADP
easat-1102	79	13	mobile	mobile	ADJ
easat-1102	79	14	money	money	NOUN
easat-1102	79	15	in	in	ADP
easat-1102	79	16	bolgatanga	bolgatanga	NOUN
easat-1102	79	17	municipality	municipality	NOUN
easat-1102	79	18	.	.	PUNCT
easat-1102	80	1	hence	hence	ADV
easat-1102	80	2	,	,	PUNCT
easat-1102	80	3	the	the	DET
easat-1102	80	4	primary	primary	ADJ
easat-1102	80	5	emphasis	emphasis	NOUN
easat-1102	80	6	lies	lie	VERB
easat-1102	80	7	on	on	ADP
easat-1102	80	8	the	the	DET
easat-1102	80	9	influence	influence	NOUN
easat-1102	80	10	of	of	ADP
easat-1102	80	11	mobile	mobile	ADJ
easat-1102	80	12	money	money	NOUN
easat-1102	80	13	on	on	ADP
easat-1102	80	14	customers	customer	NOUN
easat-1102	80	15	in	in	ADP
easat-1102	80	16	the	the	DET
easat-1102	80	17	bolgatanga	bolgatanga	NOUN
easat-1102	80	18	municipality	municipality	NOUN
easat-1102	80	19	.	.	PUNCT
easat-1102	81	1	the	the	DET
easat-1102	81	2	specific	specific	ADJ
easat-1102	81	3	objectives	objective	NOUN
easat-1102	81	4	are	be	AUX
easat-1102	81	5	:	:	PUNCT
easat-1102	81	6	a	a	X
easat-1102	81	7	)	)	PUNCT
easat-1102	81	8	evaluate	evaluate	VERB
easat-1102	81	9	the	the	DET
easat-1102	81	10	benefits	benefit	NOUN
easat-1102	81	11	of	of	ADP
easat-1102	81	12	mobile	mobile	ADJ
easat-1102	81	13	money	money	NOUN
easat-1102	81	14	services	service	NOUN
easat-1102	81	15	in	in	ADP
easat-1102	81	16	the	the	DET
easat-1102	81	17	bolgatanga	bolgatanga	NOUN
easat-1102	81	18	municipality	municipality	NOUN
easat-1102	81	19	;	;	PUNCT
easat-1102	81	20	and	and	CCONJ
easat-1102	81	21	b	b	X
easat-1102	81	22	)	)	PUNCT
easat-1102	81	23	evaluate	evaluate	VERB
easat-1102	81	24	the	the	DET
easat-1102	81	25	challenges	challenge	NOUN
easat-1102	81	26	associated	associate	VERB
easat-1102	81	27	with	with	ADP
easat-1102	81	28	mobile	mobile	ADJ
easat-1102	81	29	money	money	NOUN
easat-1102	81	30	services	service	NOUN
easat-1102	81	31	in	in	ADP
easat-1102	81	32	the	the	DET
easat-1102	81	33	bolgatanga	bolgatanga	NOUN
easat-1102	81	34	municipality	municipality	NOUN
easat-1102	81	35	.	.	PUNCT
easat-1102	82	1	2	2	X
easat-1102	82	2	.	.	X
easat-1102	82	3	literature	literature	NOUN
easat-1102	82	4	review	review	VERB
easat-1102	82	5	2.1	2.1	NUM
easat-1102	82	6	.	.	PUNCT
easat-1102	83	1	mobile	mobile	ADJ
easat-1102	83	2	money	money	NOUN
easat-1102	83	3	the	the	DET
easat-1102	83	4	advent	advent	NOUN
easat-1102	83	5	of	of	ADP
easat-1102	83	6	mobile	mobile	ADJ
easat-1102	83	7	money	money	NOUN
easat-1102	83	8	has	have	AUX
easat-1102	83	9	significantly	significantly	ADV
easat-1102	83	10	transformed	transform	VERB
easat-1102	83	11	global	global	ADJ
easat-1102	83	12	payment	payment	NOUN
easat-1102	83	13	behaviors	behavior	NOUN
easat-1102	83	14	,	,	PUNCT
easat-1102	83	15	particularly	particularly	ADV
easat-1102	83	16	in	in	ADP
easat-1102	83	17	nations	nation	NOUN
easat-1102	83	18	lacking	lack	VERB
easat-1102	83	19	conventional	conventional	ADJ
easat-1102	83	20	banking	banking	NOUN
easat-1102	83	21	infrastructure	infrastructure	NOUN
easat-1102	83	22	.	.	PUNCT
easat-1102	84	1	kenya	kenya	PROPN
easat-1102	84	2	introduced	introduce	VERB
easat-1102	84	3	mobile	mobile	ADJ
easat-1102	84	4	money	money	NOUN
easat-1102	84	5	in	in	ADP
easat-1102	84	6	2007	2007	NUM
easat-1102	84	7	,	,	PUNCT
easat-1102	84	8	allowing	allow	VERB
easat-1102	84	9	individuals	individual	NOUN
easat-1102	84	10	without	without	ADP
easat-1102	84	11	bank	bank	NOUN
easat-1102	84	12	accounts	account	NOUN
easat-1102	84	13	to	to	PART
easat-1102	84	14	transfer	transfer	VERB
easat-1102	84	15	,	,	PUNCT
easat-1102	84	16	spend	spend	NOUN
easat-1102	84	17	,	,	PUNCT
easat-1102	84	18	and	and	CCONJ
easat-1102	84	19	manage	manage	VERB
easat-1102	84	20	their	their	PRON
easat-1102	84	21	finances	finance	NOUN
easat-1102	84	22	using	use	VERB
easat-1102	84	23	their	their	PRON
easat-1102	84	24	mobile	mobile	ADJ
easat-1102	84	25	phones	phone	NOUN
easat-1102	84	26	.	.	PUNCT
easat-1102	85	1	m	m	NOUN
easat-1102	85	2	-	-	PUNCT
easat-1102	85	3	pesa	pesa	NOUN
easat-1102	85	4	enables	enable	VERB
easat-1102	85	5	funds	fund	NOUN
easat-1102	85	6	to	to	PART
easat-1102	85	7	be	be	AUX
easat-1102	85	8	deposited	deposit	VERB
easat-1102	85	9	into	into	ADP
easat-1102	85	10	a	a	DET
easat-1102	85	11	mobile	mobile	ADJ
easat-1102	85	12	phone	phone	NOUN
easat-1102	85	13	account	account	NOUN
easat-1102	85	14	and	and	CCONJ
easat-1102	85	15	distributed	distribute	VERB
easat-1102	85	16	over	over	ADP
easat-1102	85	17	encrypted	encrypt	VERB
easat-1102	85	18	sms	sm	NOUN
easat-1102	85	19	using	use	VERB
easat-1102	85	20	a	a	DET
easat-1102	85	21	personal	personal	ADJ
easat-1102	85	22	identification	identification	NOUN
easat-1102	85	23	number	number	NOUN
easat-1102	85	24	(	(	PUNCT
easat-1102	85	25	pin	pin	NOUN
easat-1102	85	26	)	)	PUNCT
easat-1102	85	27	.	.	PUNCT
easat-1102	86	1	this	this	DET
easat-1102	86	2	system	system	NOUN
easat-1102	86	3	promotes	promote	VERB
easat-1102	86	4	inclusivity	inclusivity	NOUN
easat-1102	86	5	by	by	ADP
easat-1102	86	6	providing	provide	VERB
easat-1102	86	7	a	a	DET
easat-1102	86	8	readily	readily	ADV
easat-1102	86	9	available	available	ADJ
easat-1102	86	10	alternative	alternative	NOUN
easat-1102	86	11	to	to	ADP
easat-1102	86	12	traditional	traditional	ADJ
easat-1102	86	13	bank	bank	NOUN
easat-1102	86	14	accounts	account	NOUN
easat-1102	86	15	.	.	PUNCT
easat-1102	87	1	mobile	mobile	ADJ
easat-1102	87	2	money	money	NOUN
easat-1102	87	3	provides	provide	VERB
easat-1102	87	4	transactional	transactional	ADJ
easat-1102	87	5	connectivity	connectivity	NOUN
easat-1102	87	6	,	,	PUNCT
easat-1102	87	7	ensuring	ensure	VERB
easat-1102	87	8	security	security	NOUN
easat-1102	87	9	,	,	PUNCT
easat-1102	87	10	rapidity	rapidity	NOUN
easat-1102	87	11	,	,	PUNCT
easat-1102	87	12	and	and	CCONJ
easat-1102	87	13	effectiveness	effectiveness	NOUN
easat-1102	87	14	in	in	ADP
easat-1102	87	15	accommodating	accommodate	VERB
easat-1102	87	16	both	both	DET
easat-1102	87	17	traditional	traditional	ADJ
easat-1102	87	18	usage	usage	NOUN
easat-1102	87	19	and	and	CCONJ
easat-1102	87	20	the	the	DET
easat-1102	87	21	structural	structural	ADJ
easat-1102	87	22	and	and	CCONJ
easat-1102	87	23	economic	economic	ADJ
easat-1102	87	24	disruptions	disruption	NOUN
easat-1102	87	25	caused	cause	VERB
easat-1102	87	26	by	by	ADP
easat-1102	87	27	covid-19	covid-19	PROPN
easat-1102	87	28	.	.	PUNCT
easat-1102	88	1	the	the	DET
easat-1102	88	2	system	system	NOUN
easat-1102	88	3	's	's	PART
easat-1102	88	4	functionalities	functionality	NOUN
easat-1102	88	5	and	and	CCONJ
easat-1102	88	6	applications	application	NOUN
easat-1102	88	7	encompass	encompass	NOUN
easat-1102	88	8	bill	bill	NOUN
easat-1102	88	9	payments	payment	NOUN
easat-1102	88	10	,	,	PUNCT
easat-1102	88	11	merchant	merchant	NOUN
easat-1102	88	12	payments	payment	NOUN
easat-1102	88	13	,	,	PUNCT
easat-1102	88	14	bundled	bundled	ADJ
easat-1102	88	15	payments	payment	NOUN
easat-1102	88	16	,	,	PUNCT
easat-1102	88	17	international	international	ADJ
easat-1102	88	18	money	money	NOUN
easat-1102	88	19	transfers	transfer	NOUN
easat-1102	88	20	,	,	PUNCT
easat-1102	88	21	and	and	CCONJ
easat-1102	88	22	the	the	DET
easat-1102	88	23	compatibility	compatibility	NOUN
easat-1102	88	24	between	between	ADP
easat-1102	88	25	bank	bank	NOUN
easat-1102	88	26	and	and	CCONJ
easat-1102	88	27	mobile	mobile	ADJ
easat-1102	88	28	money	money	NOUN
easat-1102	88	29	platforms	platform	NOUN
easat-1102	88	30	.	.	PUNCT
easat-1102	89	1	comprehending	comprehend	VERB
easat-1102	89	2	the	the	DET
easat-1102	89	3	benefits	benefit	NOUN
easat-1102	89	4	and	and	CCONJ
easat-1102	89	5	challenges	challenge	NOUN
easat-1102	89	6	of	of	ADP
easat-1102	89	7	mobile	mobile	ADJ
easat-1102	89	8	money	money	NOUN
easat-1102	89	9	is	be	AUX
easat-1102	89	10	essential	essential	ADJ
easat-1102	89	11	in	in	ADP
easat-1102	89	12	the	the	DET
easat-1102	89	13	contemporary	contemporary	ADJ
easat-1102	89	14	financial	financial	ADJ
easat-1102	89	15	landscape	landscape	NOUN
easat-1102	89	16	[	[	X
easat-1102	89	17	11	11	NUM
easat-1102	89	18	]	]	PUNCT
easat-1102	89	19	.	.	PUNCT
easat-1102	90	1	2.2	2.2	NUM
easat-1102	90	2	.	.	PUNCT
easat-1102	91	1	mobile	mobile	ADJ
easat-1102	91	2	money	money	NOUN
easat-1102	91	3	evolution	evolution	NOUN
easat-1102	91	4	significant	significant	ADJ
easat-1102	91	5	changes	change	NOUN
easat-1102	91	6	in	in	ADP
easat-1102	91	7	procedures	procedure	NOUN
easat-1102	91	8	accompany	accompany	VERB
easat-1102	91	9	the	the	DET
easat-1102	91	10	development	development	NOUN
easat-1102	91	11	of	of	ADP
easat-1102	91	12	mobile	mobile	ADJ
easat-1102	91	13	money	money	NOUN
easat-1102	91	14	,	,	PUNCT
easat-1102	91	15	which	which	PRON
easat-1102	91	16	can	can	AUX
easat-1102	91	17	result	result	VERB
easat-1102	91	18	in	in	ADP
easat-1102	91	19	unpredictable	unpredictable	ADJ
easat-1102	91	20	and	and	CCONJ
easat-1102	91	21	complex	complex	ADJ
easat-1102	91	22	situations	situation	NOUN
easat-1102	91	23	that	that	PRON
easat-1102	91	24	require	require	VERB
easat-1102	91	25	careful	careful	ADJ
easat-1102	91	26	small	small	ADJ
easat-1102	91	27	-	-	PUNCT
easat-1102	91	28	scale	scale	NOUN
easat-1102	91	29	assessment	assessment	NOUN
easat-1102	91	30	[	[	X
easat-1102	91	31	9	9	NUM
easat-1102	91	32	]	]	PUNCT
easat-1102	91	33	.	.	PUNCT
easat-1102	92	1	mtn	mtn	PROPN
easat-1102	92	2	achieved	achieve	VERB
easat-1102	92	3	the	the	DET
easat-1102	92	4	status	status	NOUN
easat-1102	92	5	of	of	ADP
easat-1102	92	6	being	be	AUX
easat-1102	92	7	kenya	kenya	NOUN
easat-1102	92	8	's	's	PART
easat-1102	92	9	top	top	ADJ
easat-1102	92	10	mobile	mobile	ADJ
easat-1102	92	11	money	money	NOUN
easat-1102	92	12	provider	provider	NOUN
easat-1102	92	13	in	in	ADP
easat-1102	92	14	march	march	PROPN
easat-1102	92	15	2007	2007	NUM
easat-1102	92	16	,	,	PUNCT
easat-1102	92	17	following	follow	VERB
easat-1102	92	18	its	its	PRON
easat-1102	92	19	10	10	NUM
easat-1102	92	20	-	-	PUNCT
easat-1102	92	21	year	year	NOUN
easat-1102	92	22	presence	presence	NOUN
easat-1102	92	23	in	in	ADP
easat-1102	92	24	south	south	PROPN
easat-1102	92	25	africa	africa	PROPN
easat-1102	92	26	and	and	CCONJ
easat-1102	92	27	the	the	DET
easat-1102	92	28	philippines	philippine	NOUN
easat-1102	92	29	.	.	PUNCT
easat-1102	93	1	the	the	DET
easat-1102	93	2	popularity	popularity	NOUN
easat-1102	93	3	of	of	ADP
easat-1102	93	4	mobile	mobile	ADJ
easat-1102	93	5	money	money	NOUN
easat-1102	93	6	(	(	PUNCT
easat-1102	93	7	m	m	NOUN
easat-1102	93	8	-	-	NOUN
easat-1102	93	9	pesa	pesa	NOUN
easat-1102	93	10	)	)	PUNCT
easat-1102	93	11	in	in	ADP
easat-1102	93	12	swahili	swahili	PROPN
easat-1102	93	13	has	have	AUX
easat-1102	93	14	been	be	AUX
easat-1102	93	15	enhanced	enhance	VERB
easat-1102	93	16	by	by	ADP
easat-1102	93	17	the	the	DET
easat-1102	93	18	expansion	expansion	NOUN
easat-1102	93	19	of	of	ADP
easat-1102	93	20	its	its	PRON
easat-1102	93	21	financial	financial	ADJ
easat-1102	93	22	offerings	offering	NOUN
easat-1102	93	23	.	.	PUNCT
easat-1102	94	1	countries	country	NOUN
easat-1102	94	2	ranging	range	VERB
easat-1102	94	3	from	from	ADP
easat-1102	94	4	argentina	argentina	PROPN
easat-1102	94	5	to	to	ADP
easat-1102	94	6	zambia	zambia	PROPN
easat-1102	94	7	introduced	introduce	VERB
easat-1102	94	8	a	a	DET
easat-1102	94	9	total	total	NOUN
easat-1102	94	10	of	of	ADP
easat-1102	94	11	271	271	NUM
easat-1102	94	12	mobile	mobile	ADJ
easat-1102	94	13	money	money	NOUN
easat-1102	94	14	services	service	NOUN
easat-1102	94	15	in	in	ADP
easat-1102	94	16	2015	2015	NUM
easat-1102	94	17	.	.	PUNCT
easat-1102	95	1	there	there	PRON
easat-1102	95	2	were	be	VERB
easat-1102	95	3	411	411	NUM
easat-1102	95	4	million	million	NUM
easat-1102	95	5	registered	register	VERB
easat-1102	95	6	accounts	account	NOUN
easat-1102	95	7	in	in	ADP
easat-1102	95	8	2015	2015	NUM
easat-1102	95	9	,	,	PUNCT
easat-1102	95	10	with	with	ADP
easat-1102	95	11	134	134	NUM
easat-1102	95	12	million	million	NUM
easat-1102	95	13	actively	actively	ADV
easat-1102	95	14	used	use	VERB
easat-1102	95	15	for	for	ADP
easat-1102	95	16	90	90	NUM
easat-1102	95	17	-	-	PUNCT
easat-1102	95	18	day	day	NOUN
easat-1102	95	19	contracts	contract	NOUN
easat-1102	95	20	and	and	CCONJ
easat-1102	95	21	33	33	NUM
easat-1102	95	22	million	million	NUM
easat-1102	95	23	for	for	ADP
easat-1102	95	24	daily	daily	ADJ
easat-1102	95	25	transactions	transaction	NOUN
easat-1102	95	26	.	.	PUNCT
easat-1102	96	1	in	in	ADP
easat-1102	96	2	2009	2009	NUM
easat-1102	96	3	,	,	PUNCT
easat-1102	96	4	mtn	mtn	PROPN
easat-1102	96	5	introduced	introduce	VERB
easat-1102	96	6	its	its	PRON
easat-1102	96	7	initial	initial	ADJ
easat-1102	96	8	mobile	mobile	ADJ
easat-1102	96	9	money	money	NOUN
easat-1102	96	10	service	service	NOUN
easat-1102	96	11	in	in	ADP
easat-1102	96	12	uganda	uganda	PROPN
easat-1102	96	13	,	,	PUNCT
easat-1102	96	14	following	follow	VERB
easat-1102	96	15	the	the	DET
easat-1102	96	16	successful	successful	ADJ
easat-1102	96	17	implementation	implementation	NOUN
easat-1102	96	18	of	of	ADP
easat-1102	96	19	m	m	NOUN
easat-1102	96	20	-	-	NOUN
easat-1102	96	21	pesa	pesa	NOUN
easat-1102	96	22	in	in	ADP
easat-1102	96	23	kenya	kenya	PROPN
easat-1102	97	1	[	[	X
easat-1102	97	2	2	2	NUM
easat-1102	97	3	]	]	PUNCT
easat-1102	97	4	.	.	PUNCT
easat-1102	98	1	additional	additional	ADJ
easat-1102	98	2	companies	company	NOUN
easat-1102	98	3	involved	involve	VERB
easat-1102	98	4	were	be	AUX
easat-1102	98	5	warid	warid	VERB
easat-1102	98	6	,	,	PUNCT
easat-1102	98	7	airtel	airtel	PROPN
easat-1102	98	8	,	,	PUNCT
easat-1102	98	9	united	united	PROPN
easat-1102	98	10	telecoms	telecom	NOUN
easat-1102	98	11	limited	limit	VERB
easat-1102	98	12	(	(	PUNCT
easat-1102	98	13	utl	utl	PROPN
easat-1102	98	14	)	)	PUNCT
easat-1102	98	15	,	,	PUNCT
easat-1102	98	16	and	and	CCONJ
easat-1102	98	17	orange	orange	PROPN
easat-1102	98	18	telecom	telecom	PROPN
easat-1102	98	19	.	.	PUNCT
easat-1102	99	1	in	in	ADP
easat-1102	99	2	2018/19	2018/19	NUM
easat-1102	99	3	,	,	PUNCT
easat-1102	99	4	seven	seven	NUM
easat-1102	99	5	ugandan	ugandan	PROPN
easat-1102	99	6	mobile	mobile	ADJ
easat-1102	99	7	money	money	NOUN
easat-1102	99	8	service	service	NOUN
easat-1102	99	9	providers	provider	NOUN
easat-1102	99	10	(	(	PUNCT
easat-1102	99	11	mmsps	mmsps	PROPN
easat-1102	99	12	)	)	PUNCT
easat-1102	99	13	had	have	VERB
easat-1102	99	14	a	a	DET
easat-1102	99	15	significant	significant	ADJ
easat-1102	99	16	growth	growth	NOUN
easat-1102	99	17	in	in	ADP
easat-1102	99	18	mobile	mobile	ADJ
easat-1102	99	19	money	money	NOUN
easat-1102	99	20	transactions	transaction	NOUN
easat-1102	99	21	,	,	PUNCT
easat-1102	99	22	rising	rise	VERB
easat-1102	99	23	from	from	ADP
easat-1102	99	24	1.35	1.35	NUM
easat-1102	99	25	billion	billion	NUM
easat-1102	99	26	to	to	ADP
easat-1102	99	27	2.51	2.51	NUM
easat-1102	99	28	billion	billion	NUM
easat-1102	99	29	.	.	PUNCT
easat-1102	100	1	a	a	DET
easat-1102	100	2	mobile	mobile	ADJ
easat-1102	100	3	money	money	NOUN
easat-1102	100	4	ecosystem	ecosystem	NOUN
easat-1102	100	5	59	59	NUM
easat-1102	100	6	edelweiss	edelweiss	PROPN
easat-1102	100	7	applied	apply	VERB
easat-1102	100	8	science	science	NOUN
easat-1102	100	9	and	and	CCONJ
easat-1102	100	10	technology	technology	NOUN
easat-1102	100	11	issn	issn	PROPN
easat-1102	100	12	:	:	PUNCT
easat-1102	100	13	2576	2576	NUM
easat-1102	100	14	-	-	SYM
easat-1102	100	15	8484	8484	NUM
easat-1102	100	16	vol	vol	NOUN
easat-1102	100	17	.	.	PROPN
easat-1102	100	18	8	8	NUM
easat-1102	100	19	,	,	PUNCT
easat-1102	100	20	no	no	INTJ
easat-1102	100	21	.	.	NOUN
easat-1102	101	1	4	4	NUM
easat-1102	101	2	:	:	SYM
easat-1102	101	3	56	56	NUM
easat-1102	101	4	-	-	SYM
easat-1102	101	5	69	69	NUM
easat-1102	101	6	,	,	PUNCT
easat-1102	101	7	2024	2024	NUM
easat-1102	101	8	doi	doi	NOUN
easat-1102	101	9	:	:	PUNCT
easat-1102	101	10	10.55214/25768484.v8i4.1102	10.55214/25768484.v8i4.1102	NUM
easat-1102	101	11	©	©	ADP
easat-1102	101	12	2024	2024	NUM
easat-1102	101	13	by	by	ADP
easat-1102	101	14	the	the	DET
easat-1102	101	15	authors	author	NOUN
easat-1102	101	16	;	;	PUNCT
easat-1102	101	17	licensee	licensee	PROPN
easat-1102	101	18	learning	learn	VERB
easat-1102	101	19	gate	gate	NOUN
easat-1102	101	20	comprises	comprise	VERB
easat-1102	101	21	mobile	mobile	ADJ
easat-1102	101	22	network	network	NOUN
easat-1102	101	23	operators	operator	NOUN
easat-1102	101	24	(	(	PUNCT
easat-1102	101	25	mnos	mno	NOUN
easat-1102	101	26	)	)	PUNCT
easat-1102	101	27	,	,	PUNCT
easat-1102	101	28	banks	bank	NOUN
easat-1102	101	29	,	,	PUNCT
easat-1102	101	30	regulatory	regulatory	ADJ
easat-1102	101	31	agencies	agency	NOUN
easat-1102	101	32	,	,	PUNCT
easat-1102	101	33	agent	agent	NOUN
easat-1102	101	34	networks	network	NOUN
easat-1102	101	35	,	,	PUNCT
easat-1102	101	36	merchants	merchant	NOUN
easat-1102	101	37	,	,	PUNCT
easat-1102	101	38	retailers	retailer	NOUN
easat-1102	101	39	,	,	PUNCT
easat-1102	101	40	businesses	business	NOUN
easat-1102	101	41	,	,	PUNCT
easat-1102	101	42	customers	customer	NOUN
easat-1102	101	43	,	,	PUNCT
easat-1102	101	44	device	device	NOUN
easat-1102	101	45	producers	producer	NOUN
easat-1102	101	46	,	,	PUNCT
easat-1102	101	47	and	and	CCONJ
easat-1102	101	48	platform	platform	NOUN
easat-1102	101	49	providers	provider	NOUN
easat-1102	101	50	.	.	PUNCT
easat-1102	102	1	mobile	mobile	ADJ
easat-1102	102	2	money	money	NOUN
easat-1102	102	3	payments	payment	NOUN
easat-1102	102	4	cover	cover	VERB
easat-1102	102	5	a	a	DET
easat-1102	102	6	wide	wide	ADJ
easat-1102	102	7	range	range	NOUN
easat-1102	102	8	of	of	ADP
easat-1102	102	9	financial	financial	ADJ
easat-1102	102	10	transactions	transaction	NOUN
easat-1102	102	11	,	,	PUNCT
easat-1102	102	12	including	include	VERB
easat-1102	102	13	deposits	deposit	NOUN
easat-1102	102	14	,	,	PUNCT
easat-1102	102	15	withdrawals	withdrawal	NOUN
easat-1102	102	16	,	,	PUNCT
easat-1102	102	17	money	money	NOUN
easat-1102	102	18	transfers	transfer	NOUN
easat-1102	102	19	,	,	PUNCT
easat-1102	102	20	utility	utility	NOUN
easat-1102	102	21	bill	bill	NOUN
easat-1102	102	22	payments	payment	NOUN
easat-1102	102	23	,	,	PUNCT
easat-1102	102	24	airline	airline	NOUN
easat-1102	102	25	ticket	ticket	NOUN
easat-1102	102	26	purchases	purchase	NOUN
easat-1102	102	27	,	,	PUNCT
easat-1102	102	28	retail	retail	ADJ
easat-1102	102	29	transactions	transaction	NOUN
easat-1102	102	30	,	,	PUNCT
easat-1102	102	31	lotto	lotto	NOUN
easat-1102	102	32	and	and	CCONJ
easat-1102	102	33	sports	sport	NOUN
easat-1102	102	34	betting	betting	NOUN
easat-1102	102	35	,	,	PUNCT
easat-1102	102	36	salary	salary	NOUN
easat-1102	102	37	disbursements	disbursement	NOUN
easat-1102	102	38	,	,	PUNCT
easat-1102	102	39	loans	loan	NOUN
easat-1102	102	40	,	,	PUNCT
easat-1102	102	41	state	state	NOUN
easat-1102	102	42	aid	aid	NOUN
easat-1102	102	43	,	,	PUNCT
easat-1102	102	44	insurance	insurance	NOUN
easat-1102	102	45	,	,	PUNCT
easat-1102	102	46	bank	bank	NOUN
easat-1102	102	47	transactions	transaction	NOUN
easat-1102	102	48	,	,	PUNCT
easat-1102	102	49	school	school	NOUN
easat-1102	102	50	fee	fee	NOUN
easat-1102	102	51	payments	payment	NOUN
easat-1102	102	52	,	,	PUNCT
easat-1102	102	53	and	and	CCONJ
easat-1102	102	54	tax	tax	NOUN
easat-1102	102	55	payments	payment	NOUN
easat-1102	102	56	.	.	PUNCT
easat-1102	103	1	uganda	uganda	PROPN
easat-1102	103	2	swiftly	swiftly	ADV
easat-1102	103	3	implements	implement	VERB
easat-1102	103	4	these	these	DET
easat-1102	103	5	services	service	NOUN
easat-1102	103	6	in	in	ADP
easat-1102	103	7	developing	develop	VERB
easat-1102	103	8	areas	area	NOUN
easat-1102	103	9	to	to	PART
easat-1102	103	10	meet	meet	VERB
easat-1102	103	11	its	its	PRON
easat-1102	103	12	objective	objective	NOUN
easat-1102	103	13	of	of	ADP
easat-1102	103	14	achieving	achieve	VERB
easat-1102	103	15	78	78	NUM
easat-1102	103	16	%	%	NOUN
easat-1102	103	17	financial	financial	ADJ
easat-1102	103	18	inclusion	inclusion	NOUN
easat-1102	103	19	.	.	PUNCT
easat-1102	104	1	various	various	ADJ
easat-1102	104	2	factors	factor	NOUN
easat-1102	104	3	,	,	PUNCT
easat-1102	104	4	such	such	ADJ
easat-1102	104	5	as	as	ADP
easat-1102	104	6	technological	technological	ADJ
easat-1102	104	7	advancements	advancement	NOUN
easat-1102	104	8	,	,	PUNCT
easat-1102	104	9	user	user	NOUN
easat-1102	104	10	preferences	preference	NOUN
easat-1102	104	11	,	,	PUNCT
easat-1102	104	12	unique	unique	ADJ
easat-1102	104	13	product	product	NOUN
easat-1102	104	14	offerings	offering	NOUN
easat-1102	104	15	,	,	PUNCT
easat-1102	104	16	favorable	favorable	ADJ
easat-1102	104	17	laws	law	NOUN
easat-1102	104	18	and	and	CCONJ
easat-1102	104	19	regulations	regulation	NOUN
easat-1102	104	20	,	,	PUNCT
easat-1102	104	21	institutional	institutional	ADJ
easat-1102	104	22	partnerships	partnership	NOUN
easat-1102	104	23	,	,	PUNCT
easat-1102	104	24	customer	customer	NOUN
easat-1102	104	25	satisfaction	satisfaction	NOUN
easat-1102	104	26	,	,	PUNCT
easat-1102	104	27	expectations	expectation	NOUN
easat-1102	104	28	,	,	PUNCT
easat-1102	104	29	service	service	NOUN
easat-1102	104	30	quality	quality	NOUN
easat-1102	104	31	,	,	PUNCT
easat-1102	104	32	pricing	pricing	NOUN
easat-1102	104	33	,	,	PUNCT
easat-1102	104	34	convenience	convenience	NOUN
easat-1102	104	35	,	,	PUNCT
easat-1102	104	36	accessibility	accessibility	NOUN
easat-1102	104	37	,	,	PUNCT
easat-1102	104	38	reliability	reliability	NOUN
easat-1102	104	39	,	,	PUNCT
easat-1102	104	40	and	and	CCONJ
easat-1102	104	41	security	security	NOUN
easat-1102	104	42	,	,	PUNCT
easat-1102	104	43	influence	influence	NOUN
easat-1102	104	44	mobile	mobile	ADJ
easat-1102	104	45	money	money	NOUN
easat-1102	104	46	services	service	NOUN
easat-1102	104	47	.	.	PUNCT
easat-1102	105	1	mobile	mobile	ADJ
easat-1102	105	2	money	money	NOUN
easat-1102	105	3	has	have	AUX
easat-1102	105	4	facilitated	facilitate	VERB
easat-1102	105	5	the	the	DET
easat-1102	105	6	growth	growth	NOUN
easat-1102	105	7	of	of	ADP
easat-1102	105	8	mobile	mobile	PROPN
easat-1102	105	9	commerce	commerce	PROPN
easat-1102	105	10	,	,	PUNCT
easat-1102	105	11	extended	extend	VERB
easat-1102	105	12	financial	financial	ADJ
easat-1102	105	13	services	service	NOUN
easat-1102	105	14	to	to	ADP
easat-1102	105	15	individuals	individual	NOUN
easat-1102	105	16	without	without	ADP
easat-1102	105	17	access	access	NOUN
easat-1102	105	18	to	to	ADP
easat-1102	105	19	traditional	traditional	ADJ
easat-1102	105	20	banking	banking	NOUN
easat-1102	105	21	,	,	PUNCT
easat-1102	105	22	and	and	CCONJ
easat-1102	105	23	mitigated	mitigate	VERB
easat-1102	105	24	expenses	expense	NOUN
easat-1102	105	25	and	and	CCONJ
easat-1102	105	26	delays	delay	NOUN
easat-1102	105	27	[	[	X
easat-1102	105	28	2	2	NUM
easat-1102	105	29	]	]	PUNCT
easat-1102	105	30	.	.	PUNCT
easat-1102	106	1	2.3	2.3	NUM
easat-1102	106	2	.	.	PUNCT
easat-1102	107	1	the	the	DET
easat-1102	107	2	concept	concept	NOUN
easat-1102	107	3	of	of	ADP
easat-1102	107	4	mobile	mobile	ADJ
easat-1102	107	5	financial	financial	ADJ
easat-1102	107	6	transactions	transaction	NOUN
easat-1102	107	7	mobile	mobile	ADJ
easat-1102	107	8	banking	banking	NOUN
easat-1102	107	9	,	,	PUNCT
easat-1102	107	10	often	often	ADV
easat-1102	107	11	known	know	VERB
easat-1102	107	12	as	as	ADP
easat-1102	107	13	mobile	mobile	ADJ
easat-1102	107	14	payment	payment	NOUN
easat-1102	107	15	,	,	PUNCT
easat-1102	107	16	is	be	AUX
easat-1102	107	17	the	the	DET
easat-1102	107	18	process	process	NOUN
easat-1102	107	19	of	of	ADP
easat-1102	107	20	conducting	conduct	VERB
easat-1102	107	21	financial	financial	ADJ
easat-1102	107	22	transactions	transaction	NOUN
easat-1102	107	23	using	use	VERB
easat-1102	107	24	a	a	DET
easat-1102	107	25	mobile	mobile	ADJ
easat-1102	107	26	device	device	NOUN
easat-1102	107	27	such	such	ADJ
easat-1102	107	28	as	as	ADP
easat-1102	107	29	a	a	DET
easat-1102	107	30	phone	phone	NOUN
easat-1102	107	31	,	,	PUNCT
easat-1102	107	32	personal	personal	ADJ
easat-1102	107	33	digital	digital	ADJ
easat-1102	107	34	assistant	assistant	NOUN
easat-1102	107	35	(	(	PUNCT
easat-1102	107	36	pda	pda	NOUN
easat-1102	107	37	)	)	PUNCT
easat-1102	107	38	,	,	PUNCT
easat-1102	107	39	or	or	CCONJ
easat-1102	107	40	contactless	contactless	ADJ
easat-1102	107	41	device	device	NOUN
easat-1102	107	42	,	,	PUNCT
easat-1102	107	43	as	as	SCONJ
easat-1102	107	44	stated	state	VERB
easat-1102	107	45	by	by	ADP
easat-1102	107	46	nitschke	nitschke	NOUN
easat-1102	107	47	[	[	X
easat-1102	107	48	12	12	NUM
easat-1102	107	49	]	]	PUNCT
easat-1102	107	50	.	.	PUNCT
easat-1102	108	1	to	to	PART
easat-1102	108	2	enhance	enhance	VERB
easat-1102	108	3	the	the	DET
easat-1102	108	4	efficiency	efficiency	NOUN
easat-1102	108	5	of	of	ADP
easat-1102	108	6	microfinance	microfinance	NOUN
easat-1102	108	7	,	,	PUNCT
easat-1102	108	8	mobile	mobile	ADJ
easat-1102	108	9	banking	banking	NOUN
easat-1102	108	10	employs	employ	NOUN
easat-1102	108	11	expedited	expedite	VERB
easat-1102	108	12	,	,	PUNCT
easat-1102	108	13	costeffective	costeffective	ADJ
easat-1102	108	14	,	,	PUNCT
easat-1102	108	15	and	and	CCONJ
easat-1102	108	16	highly	highly	ADV
easat-1102	108	17	secure	secure	ADJ
easat-1102	108	18	transactions	transaction	NOUN
easat-1102	108	19	.	.	PUNCT
easat-1102	109	1	microtransactions	microtransaction	NOUN
easat-1102	109	2	primarily	primarily	ADV
easat-1102	109	3	utilize	utilize	VERB
easat-1102	109	4	these	these	DET
easat-1102	109	5	services	service	NOUN
easat-1102	109	6	.	.	PUNCT
easat-1102	110	1	sms	sms	PROPN
easat-1102	110	2	or	or	CCONJ
easat-1102	110	3	mobile	mobile	NOUN
easat-1102	110	4	internet	internet	NOUN
easat-1102	110	5	banking	banking	NOUN
easat-1102	110	6	can	can	AUX
easat-1102	110	7	also	also	ADV
easat-1102	110	8	utilize	utilize	VERB
easat-1102	110	9	dedicated	dedicated	ADJ
easat-1102	110	10	applications	application	NOUN
easat-1102	110	11	installed	instal	VERB
easat-1102	110	12	on	on	ADP
easat-1102	110	13	the	the	DET
easat-1102	110	14	mobile	mobile	ADJ
easat-1102	110	15	device	device	NOUN
easat-1102	110	16	.	.	PUNCT
easat-1102	111	1	approximately	approximately	ADV
easat-1102	111	2	two	two	NUM
easat-1102	111	3	million	million	NUM
easat-1102	111	4	individuals	individual	NOUN
easat-1102	111	5	utilize	utilize	VERB
easat-1102	111	6	mobile	mobile	ADJ
easat-1102	111	7	devices	device	NOUN
easat-1102	111	8	.	.	PUNCT
easat-1102	112	1	according	accord	VERB
easat-1102	112	2	to	to	ADP
easat-1102	112	3	the	the	DET
easat-1102	112	4	un	un	PROPN
easat-1102	112	5	economic	economic	ADJ
easat-1102	112	6	and	and	CCONJ
easat-1102	112	7	social	social	ADJ
easat-1102	112	8	council	council	NOUN
easat-1102	112	9	,	,	PUNCT
easat-1102	112	10	mobile	mobile	ADJ
easat-1102	112	11	phones	phone	NOUN
easat-1102	112	12	have	have	VERB
easat-1102	112	13	the	the	DET
easat-1102	112	14	ability	ability	NOUN
easat-1102	112	15	to	to	PART
easat-1102	112	16	overcome	overcome	VERB
easat-1102	112	17	limitations	limitation	NOUN
easat-1102	112	18	in	in	ADP
easat-1102	112	19	infrastructure	infrastructure	NOUN
easat-1102	112	20	in	in	ADP
easat-1102	112	21	distant	distant	ADJ
easat-1102	112	22	rural	rural	ADJ
easat-1102	112	23	areas	area	NOUN
easat-1102	112	24	of	of	ADP
easat-1102	112	25	africa	africa	PROPN
easat-1102	112	26	.	.	PUNCT
easat-1102	113	1	the	the	DET
easat-1102	113	2	widespread	widespread	ADJ
easat-1102	113	3	adoption	adoption	NOUN
easat-1102	113	4	of	of	ADP
easat-1102	113	5	mobile	mobile	ADJ
easat-1102	113	6	phones	phone	NOUN
easat-1102	113	7	has	have	AUX
easat-1102	113	8	had	have	VERB
easat-1102	113	9	a	a	DET
easat-1102	113	10	significant	significant	ADJ
easat-1102	113	11	impact	impact	NOUN
easat-1102	113	12	on	on	ADP
easat-1102	113	13	people	people	NOUN
easat-1102	113	14	's	's	PART
easat-1102	113	15	lives	life	NOUN
easat-1102	113	16	,	,	PUNCT
easat-1102	113	17	as	as	SCONJ
easat-1102	113	18	their	their	PRON
easat-1102	113	19	user	user	NOUN
easat-1102	113	20	-	-	PUNCT
easat-1102	113	21	friendly	friendly	ADJ
easat-1102	113	22	nature	nature	NOUN
easat-1102	113	23	and	and	CCONJ
easat-1102	113	24	affordability	affordability	NOUN
easat-1102	113	25	have	have	AUX
easat-1102	113	26	enabled	enable	VERB
easat-1102	113	27	low	low	ADJ
easat-1102	113	28	-	-	PUNCT
easat-1102	113	29	income	income	NOUN
easat-1102	113	30	credit	credit	NOUN
easat-1102	113	31	unions	union	NOUN
easat-1102	113	32	and	and	CCONJ
easat-1102	113	33	banks	bank	NOUN
easat-1102	113	34	to	to	PART
easat-1102	113	35	utilize	utilize	VERB
easat-1102	113	36	them	they	PRON
easat-1102	113	37	extensively	extensively	ADV
easat-1102	113	38	.	.	PUNCT
easat-1102	114	1	mobile	mobile	ADJ
easat-1102	114	2	phones	phone	NOUN
easat-1102	114	3	have	have	VERB
easat-1102	114	4	a	a	DET
easat-1102	114	5	positive	positive	ADJ
easat-1102	114	6	effect	effect	NOUN
easat-1102	114	7	on	on	ADP
easat-1102	114	8	economic	economic	ADJ
easat-1102	114	9	growth	growth	NOUN
easat-1102	114	10	,	,	PUNCT
easat-1102	114	11	and	and	CCONJ
easat-1102	114	12	in	in	ADP
easat-1102	114	13	developing	develop	VERB
easat-1102	114	14	countries	country	NOUN
easat-1102	114	15	,	,	PUNCT
easat-1102	114	16	this	this	DET
easat-1102	114	17	influence	influence	NOUN
easat-1102	114	18	may	may	AUX
easat-1102	114	19	be	be	AUX
easat-1102	114	20	twice	twice	ADV
easat-1102	114	21	as	as	ADV
easat-1102	114	22	significant	significant	ADJ
easat-1102	114	23	.	.	PUNCT
easat-1102	115	1	although	although	SCONJ
easat-1102	115	2	mobile	mobile	ADJ
easat-1102	115	3	phones	phone	NOUN
easat-1102	115	4	have	have	AUX
easat-1102	115	5	contributed	contribute	VERB
easat-1102	115	6	to	to	ADP
easat-1102	115	7	small	small	ADJ
easat-1102	115	8	firms	firm	NOUN
easat-1102	115	9	'	'	PART
easat-1102	115	10	success	success	NOUN
easat-1102	115	11	and	and	CCONJ
easat-1102	115	12	economic	economic	ADJ
easat-1102	115	13	growth	growth	NOUN
easat-1102	115	14	,	,	PUNCT
easat-1102	115	15	there	there	PRON
easat-1102	115	16	is	be	VERB
easat-1102	115	17	less	less	ADJ
easat-1102	115	18	research	research	NOUN
easat-1102	115	19	on	on	ADP
easat-1102	115	20	the	the	DET
easat-1102	115	21	specific	specific	ADJ
easat-1102	115	22	ways	way	NOUN
easat-1102	115	23	in	in	ADP
easat-1102	115	24	which	which	PRON
easat-1102	115	25	they	they	PRON
easat-1102	115	26	enhance	enhance	VERB
easat-1102	115	27	productivity	productivity	NOUN
easat-1102	115	28	in	in	ADP
easat-1102	115	29	developing	develop	VERB
easat-1102	115	30	countries	country	NOUN
easat-1102	115	31	.	.	PUNCT
easat-1102	116	1	researchers	researcher	NOUN
easat-1102	116	2	have	have	AUX
easat-1102	116	3	accurately	accurately	ADV
easat-1102	116	4	analyzed	analyze	VERB
easat-1102	116	5	the	the	DET
easat-1102	116	6	impact	impact	NOUN
easat-1102	116	7	of	of	ADP
easat-1102	116	8	mobile	mobile	ADJ
easat-1102	116	9	money	money	NOUN
easat-1102	116	10	on	on	ADP
easat-1102	116	11	the	the	DET
easat-1102	116	12	expansion	expansion	NOUN
easat-1102	116	13	of	of	ADP
easat-1102	116	14	credit	credit	NOUN
easat-1102	116	15	unions	union	NOUN
easat-1102	116	16	and	and	CCONJ
easat-1102	116	17	banks	bank	NOUN
easat-1102	116	18	.	.	PUNCT
easat-1102	117	1	certain	certain	ADJ
easat-1102	117	2	companies	company	NOUN
easat-1102	117	3	fail	fail	VERB
easat-1102	117	4	to	to	PART
easat-1102	117	5	recognize	recognize	VERB
easat-1102	117	6	the	the	DET
easat-1102	117	7	possibilities	possibility	NOUN
easat-1102	117	8	of	of	ADP
easat-1102	117	9	mobile	mobile	ADJ
easat-1102	117	10	phones	phone	NOUN
easat-1102	117	11	.	.	PUNCT
easat-1102	118	1	both	both	DET
easat-1102	118	2	rural	rural	ADJ
easat-1102	118	3	and	and	CCONJ
easat-1102	118	4	urban	urban	ADJ
easat-1102	118	5	ghanaians	ghanaians	PROPN
easat-1102	118	6	possess	possess	VERB
easat-1102	118	7	cell	cell	NOUN
easat-1102	118	8	phones	phone	NOUN
easat-1102	118	9	.	.	PUNCT
easat-1102	119	1	ghana	ghana	PROPN
easat-1102	119	2	's	's	PART
easat-1102	119	3	two	two	NUM
easat-1102	119	4	operators	operator	NOUN
easat-1102	119	5	,	,	PUNCT
easat-1102	119	6	mtn	mtn	PROPN
easat-1102	119	7	and	and	CCONJ
easat-1102	119	8	vodafone	vodafone	PROPN
easat-1102	119	9	,	,	PUNCT
easat-1102	119	10	have	have	AUX
easat-1102	119	11	experienced	experience	VERB
easat-1102	119	12	a	a	DET
easat-1102	119	13	growth	growth	NOUN
easat-1102	119	14	in	in	ADP
easat-1102	119	15	mobile	mobile	ADJ
easat-1102	119	16	customers	customer	NOUN
easat-1102	119	17	from	from	ADP
easat-1102	119	18	6.5	6.5	NUM
easat-1102	119	19	million	million	NUM
easat-1102	119	20	in	in	ADP
easat-1102	119	21	june	june	PROPN
easat-1102	119	22	2018	2018	NUM
easat-1102	119	23	to	to	PART
easat-1102	119	24	8	8	NUM
easat-1102	119	25	million	million	NUM
easat-1102	119	26	.	.	PUNCT
easat-1102	120	1	in	in	ADP
easat-1102	120	2	contrast	contrast	NOUN
easat-1102	120	3	,	,	PUNCT
easat-1102	120	4	the	the	DET
easat-1102	120	5	number	number	NOUN
easat-1102	120	6	of	of	ADP
easat-1102	120	7	fixed	fix	VERB
easat-1102	120	8	lines	line	NOUN
easat-1102	120	9	stands	stand	VERB
easat-1102	120	10	at	at	ADP
easat-1102	120	11	293,400	293,400	NUM
easat-1102	120	12	.	.	PUNCT
easat-1102	121	1	the	the	DET
easat-1102	121	2	proliferation	proliferation	NOUN
easat-1102	121	3	of	of	ADP
easat-1102	121	4	mobile	mobile	ADJ
easat-1102	121	5	phone	phone	NOUN
easat-1102	121	6	usage	usage	NOUN
easat-1102	121	7	has	have	AUX
easat-1102	121	8	brought	bring	VERB
easat-1102	121	9	about	about	ADP
easat-1102	121	10	significant	significant	ADJ
easat-1102	121	11	transformations	transformation	NOUN
easat-1102	121	12	in	in	ADP
easat-1102	121	13	several	several	ADJ
easat-1102	121	14	areas	area	NOUN
easat-1102	121	15	of	of	ADP
easat-1102	121	16	the	the	DET
easat-1102	121	17	economy	economy	NOUN
easat-1102	121	18	,	,	PUNCT
easat-1102	121	19	particularly	particularly	ADV
easat-1102	121	20	in	in	ADP
easat-1102	121	21	the	the	DET
easat-1102	121	22	urban	urban	ADJ
easat-1102	121	23	informal	informal	ADJ
easat-1102	121	24	sector	sector	NOUN
easat-1102	121	25	.	.	PUNCT
easat-1102	122	1	this	this	PRON
easat-1102	122	2	has	have	AUX
easat-1102	122	3	had	have	VERB
easat-1102	122	4	a	a	DET
easat-1102	122	5	profound	profound	ADJ
easat-1102	122	6	impact	impact	NOUN
easat-1102	122	7	on	on	ADP
easat-1102	122	8	ghana	ghana	PROPN
easat-1102	122	9	's	's	PART
easat-1102	122	10	rapidly	rapidly	ADV
easat-1102	122	11	expanding	expand	VERB
easat-1102	122	12	industry	industry	NOUN
easat-1102	122	13	and	and	CCONJ
easat-1102	122	14	its	its	PRON
easat-1102	122	15	workforce	workforce	NOUN
easat-1102	123	1	[	[	X
easat-1102	123	2	12	12	NUM
easat-1102	123	3	]	]	PUNCT
easat-1102	123	4	.	.	PUNCT
easat-1102	124	1	as	as	ADP
easat-1102	124	2	per	per	ADP
easat-1102	124	3	references	reference	NOUN
easat-1102	124	4	nitschke	nitschke	NOUN
easat-1102	124	5	[	[	X
easat-1102	124	6	12	12	NUM
easat-1102	124	7	]	]	PUNCT
easat-1102	124	8	and	and	CCONJ
easat-1102	124	9	talom	talom	NOUN
easat-1102	124	10	and	and	CCONJ
easat-1102	124	11	tengeh	tengeh	NOUN
easat-1102	124	12	[	[	X
easat-1102	124	13	13	13	NUM
easat-1102	124	14	]	]	PUNCT
easat-1102	124	15	the	the	DET
easat-1102	124	16	service	service	NOUN
easat-1102	124	17	allows	allow	VERB
easat-1102	124	18	users	user	NOUN
easat-1102	124	19	to	to	PART
easat-1102	124	20	deposit	deposit	VERB
easat-1102	124	21	money	money	NOUN
easat-1102	124	22	into	into	ADP
easat-1102	124	23	their	their	PRON
easat-1102	124	24	mobile	mobile	ADJ
easat-1102	124	25	phone	phone	NOUN
easat-1102	124	26	account	account	NOUN
easat-1102	124	27	,	,	PUNCT
easat-1102	124	28	transfer	transfer	VERB
easat-1102	124	29	balances	balance	NOUN
easat-1102	124	30	to	to	ADP
easat-1102	124	31	other	other	ADJ
easat-1102	124	32	users	user	NOUN
easat-1102	124	33	(	(	PUNCT
easat-1102	124	34	including	include	VERB
easat-1102	124	35	merchants	merchant	NOUN
easat-1102	124	36	)	)	PUNCT
easat-1102	124	37	,	,	PUNCT
easat-1102	124	38	and	and	CCONJ
easat-1102	124	39	convert	convert	VERB
easat-1102	124	40	deposits	deposit	NOUN
easat-1102	124	41	into	into	ADP
easat-1102	124	42	conventional	conventional	ADJ
easat-1102	124	43	currency	currency	NOUN
easat-1102	124	44	.	.	PUNCT
easat-1102	125	1	electronic	electronic	ADJ
easat-1102	125	2	fund	fund	NOUN
easat-1102	125	3	transfers	transfer	NOUN
easat-1102	125	4	and	and	CCONJ
easat-1102	125	5	cash	cash	NOUN
easat-1102	125	6	withdrawals	withdrawal	NOUN
easat-1102	125	7	incur	incur	VERB
easat-1102	125	8	charges	charge	NOUN
easat-1102	125	9	for	for	ADP
easat-1102	125	10	users	user	NOUN
easat-1102	125	11	.	.	PUNCT
easat-1102	126	1	m	m	NOUN
easat-1102	126	2	-	-	NOUN
easat-1102	126	3	pesa	pesa	NOUN
easat-1102	126	4	is	be	AUX
easat-1102	126	5	the	the	DET
easat-1102	126	6	preeminent	preeminent	ADJ
easat-1102	126	7	mobile	mobile	ADJ
easat-1102	126	8	phone	phone	NOUN
easat-1102	126	9	-	-	PUNCT
easat-1102	126	10	based	base	VERB
easat-1102	126	11	money	money	NOUN
easat-1102	126	12	service	service	NOUN
easat-1102	126	13	in	in	ADP
easat-1102	126	14	impoverished	impoverished	ADJ
easat-1102	126	15	nations	nation	NOUN
easat-1102	126	16	.	.	PUNCT
easat-1102	127	1	opening	open	VERB
easat-1102	127	2	an	an	DET
easat-1102	127	3	m	m	NOUN
easat-1102	127	4	-	-	NOUN
easat-1102	127	5	pesa	pesa	NOUN
easat-1102	127	6	account	account	NOUN
easat-1102	127	7	is	be	AUX
easat-1102	127	8	straightforward	straightforward	ADJ
easat-1102	127	9	.	.	PUNCT
easat-1102	128	1	to	to	PART
easat-1102	128	2	register	register	VERB
easat-1102	128	3	,	,	PUNCT
easat-1102	128	4	you	you	PRON
easat-1102	128	5	only	only	ADV
easat-1102	128	6	need	need	VERB
easat-1102	128	7	to	to	PART
easat-1102	128	8	present	present	VERB
easat-1102	128	9	a	a	DET
easat-1102	128	10	ghana	ghana	PROPN
easat-1102	128	11	card	card	NOUN
easat-1102	128	12	,	,	PUNCT
easat-1102	128	13	voters	voter	NOUN
easat-1102	128	14	'	'	PART
easat-1102	128	15	i	i	PROPN
easat-1102	128	16	d	d	PROPN
easat-1102	128	17	,	,	PUNCT
easat-1102	128	18	identity	identity	NOUN
easat-1102	128	19	card	card	NOUN
easat-1102	128	20	(	(	PUNCT
easat-1102	128	21	i	i	NOUN
easat-1102	128	22	d	d	PROPN
easat-1102	128	23	card	card	NOUN
easat-1102	128	24	)	)	PUNCT
easat-1102	128	25	,	,	PUNCT
easat-1102	128	26	or	or	CCONJ
easat-1102	128	27	passport	passport	NOUN
easat-1102	128	28	,	,	PUNCT
easat-1102	128	29	unlike	unlike	ADP
easat-1102	128	30	the	the	DET
easat-1102	128	31	process	process	NOUN
easat-1102	128	32	of	of	ADP
easat-1102	128	33	creating	create	VERB
easat-1102	128	34	a	a	DET
easat-1102	128	35	bank	bank	NOUN
easat-1102	128	36	account	account	NOUN
easat-1102	128	37	.	.	PUNCT
easat-1102	129	1	an	an	DET
easat-1102	129	2	endeavor	endeavor	NOUN
easat-1102	129	3	to	to	PART
easat-1102	129	4	establish	establish	VERB
easat-1102	129	5	its	its	PRON
easat-1102	129	6	payment	payment	NOUN
easat-1102	129	7	services	service	NOUN
easat-1102	129	8	as	as	ADP
easat-1102	129	9	the	the	DET
easat-1102	129	10	primary	primary	ADJ
easat-1102	129	11	option	option	NOUN
easat-1102	129	12	.	.	PUNCT
easat-1102	130	1	2.4	2.4	NUM
easat-1102	130	2	.	.	PUNCT
easat-1102	130	3	benefits	benefit	NOUN
easat-1102	130	4	of	of	ADP
easat-1102	130	5	mobile	mobile	ADJ
easat-1102	130	6	money	money	NOUN
easat-1102	130	7	systems	system	NOUN
easat-1102	130	8	underdeveloped	underdeveloped	ADJ
easat-1102	130	9	countries	country	NOUN
easat-1102	130	10	like	like	ADP
easat-1102	130	11	kenya	kenya	PROPN
easat-1102	130	12	widely	widely	ADV
easat-1102	130	13	use	use	VERB
easat-1102	130	14	mobile	mobile	ADJ
easat-1102	130	15	money	money	NOUN
easat-1102	130	16	due	due	ADP
easat-1102	130	17	to	to	ADP
easat-1102	130	18	its	its	PRON
easat-1102	130	19	lower	low	ADJ
easat-1102	130	20	transaction	transaction	NOUN
easat-1102	130	21	costs	cost	NOUN
easat-1102	130	22	compared	compare	VERB
easat-1102	130	23	to	to	ADP
easat-1102	130	24	western	western	ADJ
easat-1102	130	25	union	union	PROPN
easat-1102	130	26	,	,	PUNCT
easat-1102	130	27	moneygram	moneygram	NOUN
easat-1102	130	28	,	,	PUNCT
easat-1102	130	29	and	and	CCONJ
easat-1102	130	30	transportation	transportation	NOUN
easat-1102	130	31	companies	company	NOUN
easat-1102	130	32	[	[	X
easat-1102	130	33	6	6	NUM
easat-1102	130	34	]	]	PUNCT
easat-1102	130	35	.	.	PUNCT
easat-1102	131	1	this	this	DET
easat-1102	131	2	adoption	adoption	NOUN
easat-1102	131	3	has	have	AUX
easat-1102	131	4	also	also	ADV
easat-1102	131	5	led	lead	VERB
easat-1102	131	6	to	to	ADP
easat-1102	131	7	an	an	DET
easat-1102	131	8	increase	increase	NOUN
easat-1102	131	9	in	in	ADP
easat-1102	131	10	remittances	remittance	NOUN
easat-1102	131	11	,	,	PUNCT
easat-1102	131	12	which	which	PRON
easat-1102	131	13	has	have	AUX
easat-1102	131	14	assisted	assist	VERB
easat-1102	131	15	households	household	NOUN
easat-1102	131	16	in	in	ADP
easat-1102	131	17	maintaining	maintain	VERB
easat-1102	131	18	stable	stable	ADJ
easat-1102	131	19	consumption	consumption	NOUN
easat-1102	131	20	levels	level	NOUN
easat-1102	131	21	and	and	CCONJ
easat-1102	131	22	managing	manage	VERB
easat-1102	131	23	risk	risk	NOUN
easat-1102	131	24	.	.	PUNCT
easat-1102	132	1	mobile	mobile	ADJ
easat-1102	132	2	money	money	NOUN
easat-1102	132	3	enables	enable	VERB
easat-1102	132	4	individuals	individual	NOUN
easat-1102	132	5	to	to	PART
easat-1102	132	6	deposit	deposit	VERB
easat-1102	132	7	small	small	ADJ
easat-1102	132	8	amounts	amount	NOUN
easat-1102	132	9	into	into	ADP
easat-1102	132	10	a	a	DET
easat-1102	132	11	secure	secure	ADJ
easat-1102	132	12	account	account	NOUN
easat-1102	132	13	for	for	ADP
easat-1102	132	14	short	short	ADJ
easat-1102	132	15	-	-	PUNCT
easat-1102	132	16	term	term	NOUN
easat-1102	132	17	expenses	expense	NOUN
easat-1102	132	18	.	.	PUNCT
easat-1102	133	1	mobile	mobile	ADJ
easat-1102	133	2	phones	phone	NOUN
easat-1102	133	3	use	use	VERB
easat-1102	133	4	sim	sim	ADJ
easat-1102	133	5	cards	card	NOUN
easat-1102	133	6	to	to	PART
easat-1102	133	7	encrypt	encrypt	VERB
easat-1102	133	8	the	the	DET
easat-1102	133	9	user	user	NOUN
easat-1102	133	10	's	's	PART
easat-1102	133	11	pin	pin	NOUN
easat-1102	133	12	upon	upon	SCONJ
easat-1102	133	13	entry	entry	NOUN
easat-1102	133	14	.	.	PUNCT
easat-1102	134	1	burkinabe	burkinabe	ADJ
easat-1102	134	2	immigrants	immigrant	NOUN
easat-1102	134	3	remit	remit	VERB
easat-1102	134	4	funds	fund	NOUN
easat-1102	134	5	to	to	ADP
easat-1102	134	6	their	their	PRON
easat-1102	134	7	home	home	NOUN
easat-1102	134	8	country	country	NOUN
easat-1102	134	9	utilizing	utilize	VERB
easat-1102	134	10	mobile	mobile	ADJ
easat-1102	134	11	financial	financial	ADJ
easat-1102	134	12	services	service	NOUN
easat-1102	134	13	.	.	PUNCT
easat-1102	135	1	mobile	mobile	ADJ
easat-1102	135	2	phones	phone	NOUN
easat-1102	135	3	enhance	enhance	VERB
easat-1102	135	4	the	the	DET
easat-1102	135	5	quality	quality	NOUN
easat-1102	135	6	of	of	ADP
easat-1102	135	7	life	life	NOUN
easat-1102	135	8	in	in	ADP
easat-1102	135	9	isolated	isolated	ADJ
easat-1102	135	10	areas	area	NOUN
easat-1102	135	11	.	.	PUNCT
easat-1102	136	1	mobile	mobile	ADJ
easat-1102	136	2	banking	banking	NOUN
easat-1102	136	3	is	be	AUX
easat-1102	136	4	advantageous	advantageous	ADJ
easat-1102	136	5	for	for	ADP
easat-1102	136	6	individuals	individual	NOUN
easat-1102	136	7	of	of	ADP
easat-1102	136	8	all	all	DET
easat-1102	136	9	income	income	NOUN
easat-1102	136	10	levels	level	NOUN
easat-1102	136	11	.	.	PUNCT
easat-1102	137	1	mobile	mobile	ADJ
easat-1102	137	2	phones	phone	NOUN
easat-1102	137	3	enable	enable	VERB
easat-1102	137	4	individuals	individual	NOUN
easat-1102	137	5	to	to	PART
easat-1102	137	6	remotely	remotely	ADV
easat-1102	137	7	access	access	VERB
easat-1102	137	8	mobile	mobile	ADJ
easat-1102	137	9	banking	banking	NOUN
easat-1102	137	10	60	60	NUM
easat-1102	137	11	edelweiss	edelweiss	PROPN
easat-1102	137	12	applied	apply	VERB
easat-1102	137	13	science	science	NOUN
easat-1102	137	14	and	and	CCONJ
easat-1102	137	15	technology	technology	NOUN
easat-1102	137	16	issn	issn	PROPN
easat-1102	137	17	:	:	PUNCT
easat-1102	137	18	2576	2576	NUM
easat-1102	137	19	-	-	SYM
easat-1102	137	20	8484	8484	NUM
easat-1102	137	21	vol	vol	NOUN
easat-1102	137	22	.	.	PROPN
easat-1102	137	23	8	8	NUM
easat-1102	137	24	,	,	PUNCT
easat-1102	137	25	no	no	INTJ
easat-1102	137	26	.	.	NOUN
easat-1102	138	1	4	4	NUM
easat-1102	138	2	:	:	SYM
easat-1102	138	3	56	56	NUM
easat-1102	138	4	-	-	SYM
easat-1102	138	5	69	69	NUM
easat-1102	138	6	,	,	PUNCT
easat-1102	138	7	2024	2024	NUM
easat-1102	138	8	doi	doi	NOUN
easat-1102	138	9	:	:	PUNCT
easat-1102	138	10	10.55214/25768484.v8i4.1102	10.55214/25768484.v8i4.1102	NUM
easat-1102	138	11	©	©	ADP
easat-1102	138	12	2024	2024	NUM
easat-1102	138	13	by	by	ADP
easat-1102	138	14	the	the	DET
easat-1102	138	15	authors	author	NOUN
easat-1102	138	16	;	;	PUNCT
easat-1102	138	17	licensee	licensee	PROPN
easat-1102	138	18	learning	learn	VERB
easat-1102	138	19	gate	gate	PROPN
easat-1102	138	20	services	services	PROPN
easat-1102	138	21	,	,	PUNCT
easat-1102	138	22	social	social	ADJ
easat-1102	138	23	networking	networking	NOUN
easat-1102	138	24	platforms	platform	NOUN
easat-1102	138	25	,	,	PUNCT
easat-1102	138	26	and	and	CCONJ
easat-1102	138	27	the	the	DET
easat-1102	138	28	internet	internet	NOUN
easat-1102	138	29	.	.	PUNCT
easat-1102	139	1	sub	sub	ADJ
easat-1102	139	2	-	-	ADJ
easat-1102	139	3	saharan	saharan	ADJ
easat-1102	139	4	africa	africa	PROPN
easat-1102	139	5	widely	widely	ADV
easat-1102	139	6	uses	use	VERB
easat-1102	139	7	m	m	NOUN
easat-1102	139	8	-	-	NOUN
easat-1102	139	9	pesa	pesa	NOUN
easat-1102	139	10	,	,	PUNCT
easat-1102	139	11	vodafone	vodafone	PROPN
easat-1102	139	12	's	's	PART
easat-1102	139	13	micro	micro	ADJ
easat-1102	139	14	-	-	ADJ
easat-1102	139	15	financing	financing	ADJ
easat-1102	139	16	initiative	initiative	NOUN
easat-1102	139	17	,	,	PUNCT
easat-1102	139	18	which	which	PRON
easat-1102	139	19	it	it	PRON
easat-1102	139	20	launched	launch	VERB
easat-1102	139	21	in	in	ADP
easat-1102	139	22	2007	2007	NUM
easat-1102	139	23	for	for	ADP
easat-1102	139	24	safaricom	safaricom	PROPN
easat-1102	139	25	and	and	CCONJ
easat-1102	139	26	vodacom	vodacom	PROPN
easat-1102	139	27	.	.	PUNCT
easat-1102	140	1	m	m	PROPN
easat-1102	140	2	-	-	PROPN
easat-1102	140	3	pesa	pesa	PROPN
easat-1102	140	4	is	be	AUX
easat-1102	140	5	prevalent	prevalent	ADJ
easat-1102	140	6	in	in	ADP
easat-1102	140	7	kenya	kenya	PROPN
easat-1102	140	8	,	,	PUNCT
easat-1102	140	9	uganda	uganda	PROPN
easat-1102	140	10	,	,	PUNCT
easat-1102	140	11	tanzania	tanzania	PROPN
easat-1102	140	12	,	,	PUNCT
easat-1102	140	13	rwanda	rwanda	PROPN
easat-1102	140	14	,	,	PUNCT
easat-1102	140	15	and	and	CCONJ
easat-1102	140	16	burundi	burundi	PROPN
easat-1102	140	17	.	.	PUNCT
easat-1102	141	1	orange	orange	PROPN
easat-1102	141	2	botswana	botswana	PROPN
easat-1102	141	3	and	and	CCONJ
easat-1102	141	4	mascom	mascom	PROPN
easat-1102	141	5	wireless	wireless	PROPN
easat-1102	141	6	allow	allow	VERB
easat-1102	141	7	cash	cash	NOUN
easat-1102	141	8	withdrawals	withdrawal	NOUN
easat-1102	141	9	using	use	VERB
easat-1102	141	10	mobile	mobile	ADJ
easat-1102	141	11	money	money	NOUN
easat-1102	141	12	visa	visa	NOUN
easat-1102	141	13	cards	card	NOUN
easat-1102	141	14	at	at	ADP
easat-1102	141	15	atms	atms	NOUN
easat-1102	141	16	.	.	PUNCT
easat-1102	142	1	unlike	unlike	ADP
easat-1102	142	2	m	m	PROPN
easat-1102	142	3	-	-	NOUN
easat-1102	142	4	pesa	pesa	NOUN
easat-1102	142	5	,	,	PUNCT
easat-1102	142	6	e	e	NOUN
easat-1102	142	7	-	-	NOUN
easat-1102	142	8	wallet	wallet	NOUN
easat-1102	142	9	services	service	NOUN
easat-1102	142	10	require	require	VERB
easat-1102	142	11	a	a	DET
easat-1102	142	12	bank	bank	NOUN
easat-1102	142	13	account	account	NOUN
easat-1102	142	14	and	and	CCONJ
easat-1102	142	15	require	require	VERB
easat-1102	142	16	access	access	NOUN
easat-1102	142	17	at	at	ADP
easat-1102	142	18	atms	atms	NOUN
easat-1102	142	19	using	use	VERB
easat-1102	142	20	a	a	DET
easat-1102	142	21	phone	phone	NOUN
easat-1102	142	22	number	number	NOUN
easat-1102	142	23	and	and	CCONJ
easat-1102	142	24	pin	pin	NOUN
easat-1102	142	25	.	.	PUNCT
easat-1102	143	1	banks	bank	NOUN
easat-1102	143	2	can	can	AUX
easat-1102	143	3	provide	provide	VERB
easat-1102	143	4	mobile	mobile	ADJ
easat-1102	143	5	services	service	NOUN
easat-1102	143	6	on	on	ADP
easat-1102	143	7	cellphones	cellphone	NOUN
easat-1102	143	8	in	in	ADP
easat-1102	143	9	addition	addition	NOUN
easat-1102	143	10	to	to	ADP
easat-1102	143	11	traditional	traditional	ADJ
easat-1102	143	12	over	over	ADP
easat-1102	143	13	-	-	PUNCT
easat-1102	143	14	the	the	DET
easat-1102	143	15	-	-	PUNCT
easat-1102	143	16	counter	counter	NOUN
easat-1102	143	17	and	and	CCONJ
easat-1102	143	18	internet	internet	NOUN
easat-1102	143	19	banking	banking	NOUN
easat-1102	143	20	options	option	NOUN
easat-1102	143	21	.	.	PUNCT
easat-1102	144	1	mobile	mobile	ADJ
easat-1102	144	2	telephony	telephony	NOUN
easat-1102	144	3	can	can	AUX
easat-1102	144	4	enhance	enhance	VERB
easat-1102	144	5	infrastructure	infrastructure	NOUN
easat-1102	144	6	in	in	ADP
easat-1102	144	7	low	low	ADJ
easat-1102	144	8	-	-	PUNCT
easat-1102	144	9	income	income	NOUN
easat-1102	144	10	countries	country	NOUN
easat-1102	144	11	.	.	PUNCT
easat-1102	145	1	mobile	mobile	ADJ
easat-1102	145	2	money	money	NOUN
easat-1102	145	3	benefits	benefit	VERB
easat-1102	145	4	isolated	isolate	VERB
easat-1102	145	5	communities	community	NOUN
easat-1102	145	6	lacking	lack	VERB
easat-1102	145	7	access	access	NOUN
easat-1102	145	8	to	to	ADP
easat-1102	145	9	traditional	traditional	ADJ
easat-1102	145	10	banking	banking	NOUN
easat-1102	145	11	services	service	NOUN
easat-1102	145	12	.	.	PUNCT
easat-1102	146	1	mobile	mobile	ADJ
easat-1102	146	2	phones	phone	NOUN
easat-1102	146	3	help	help	VERB
easat-1102	146	4	underdeveloped	underdeveloped	ADJ
easat-1102	146	5	countries	country	NOUN
easat-1102	146	6	with	with	ADP
easat-1102	146	7	inadequate	inadequate	ADJ
easat-1102	146	8	infrastructure	infrastructure	NOUN
easat-1102	146	9	to	to	PART
easat-1102	146	10	advance	advance	VERB
easat-1102	146	11	socially	socially	ADV
easat-1102	146	12	and	and	CCONJ
easat-1102	146	13	economically	economically	ADV
easat-1102	147	1	[	[	X
easat-1102	147	2	1	1	NUM
easat-1102	147	3	]	]	PUNCT
easat-1102	147	4	.	.	PUNCT
easat-1102	148	1	mobile	mobile	ADJ
easat-1102	148	2	money	money	NOUN
easat-1102	148	3	provides	provide	VERB
easat-1102	148	4	financial	financial	ADJ
easat-1102	148	5	services	service	NOUN
easat-1102	148	6	to	to	ADP
easat-1102	148	7	those	those	PRON
easat-1102	148	8	who	who	PRON
easat-1102	148	9	are	be	AUX
easat-1102	148	10	not	not	PART
easat-1102	148	11	traditional	traditional	ADJ
easat-1102	148	12	bank	bank	NOUN
easat-1102	148	13	customers	customer	NOUN
easat-1102	148	14	through	through	ADP
easat-1102	148	15	digital	digital	ADJ
easat-1102	148	16	platforms	platform	NOUN
easat-1102	148	17	and	and	CCONJ
easat-1102	148	18	alternative	alternative	ADJ
easat-1102	148	19	channels	channel	NOUN
easat-1102	148	20	.	.	PUNCT
easat-1102	149	1	mobile	mobile	ADJ
easat-1102	149	2	money	money	NOUN
easat-1102	149	3	provides	provide	VERB
easat-1102	149	4	services	service	NOUN
easat-1102	149	5	for	for	ADP
easat-1102	149	6	deposit	deposit	NOUN
easat-1102	149	7	,	,	PUNCT
easat-1102	149	8	withdrawal	withdrawal	NOUN
easat-1102	149	9	,	,	PUNCT
easat-1102	149	10	remittance	remittance	NOUN
easat-1102	149	11	,	,	PUNCT
easat-1102	149	12	and	and	CCONJ
easat-1102	149	13	bill	bill	NOUN
easat-1102	149	14	payment	payment	NOUN
easat-1102	149	15	.	.	PUNCT
easat-1102	150	1	mobile	mobile	ADJ
easat-1102	150	2	money	money	NOUN
easat-1102	150	3	has	have	AUX
easat-1102	150	4	broadened	broaden	VERB
easat-1102	150	5	financial	financial	ADJ
easat-1102	150	6	services	service	NOUN
easat-1102	150	7	for	for	ADP
easat-1102	150	8	low	low	ADJ
easat-1102	150	9	-	-	PUNCT
easat-1102	150	10	income	income	NOUN
easat-1102	150	11	populations	population	NOUN
easat-1102	150	12	,	,	PUNCT
easat-1102	150	13	particularly	particularly	ADV
easat-1102	150	14	in	in	ADP
easat-1102	150	15	sub	sub	ADJ
easat-1102	150	16	-	-	ADJ
easat-1102	150	17	saharan	saharan	ADJ
easat-1102	150	18	africa	africa	PROPN
easat-1102	150	19	.	.	PUNCT
easat-1102	151	1	rural	rural	ADJ
easat-1102	151	2	,	,	PUNCT
easat-1102	151	3	developing	develop	VERB
easat-1102	151	4	countries	country	NOUN
easat-1102	151	5	are	be	AUX
easat-1102	151	6	rapidly	rapidly	ADV
easat-1102	151	7	adopting	adopt	VERB
easat-1102	151	8	mobile	mobile	ADJ
easat-1102	151	9	money	money	NOUN
easat-1102	151	10	,	,	PUNCT
easat-1102	151	11	according	accord	VERB
easat-1102	151	12	to	to	ADP
easat-1102	151	13	world	world	PROPN
easat-1102	151	14	bank	bank	PROPN
easat-1102	151	15	reports	report	NOUN
easat-1102	151	16	.	.	PUNCT
easat-1102	152	1	mobile	mobile	ADJ
easat-1102	152	2	money	money	NOUN
easat-1102	152	3	is	be	AUX
easat-1102	152	4	more	more	ADJ
easat-1102	152	5	cost	cost	NOUN
easat-1102	152	6	-	-	PUNCT
easat-1102	152	7	effective	effective	ADJ
easat-1102	152	8	and	and	CCONJ
easat-1102	152	9	efficient	efficient	ADJ
easat-1102	152	10	than	than	ADP
easat-1102	152	11	cash	cash	NOUN
easat-1102	152	12	,	,	PUNCT
easat-1102	152	13	facilitating	facilitate	VERB
easat-1102	152	14	financial	financial	ADJ
easat-1102	152	15	inclusion	inclusion	NOUN
easat-1102	152	16	for	for	ADP
easat-1102	152	17	the	the	DET
easat-1102	152	18	underprivileged	underprivileged	ADJ
easat-1102	152	19	.	.	PUNCT
easat-1102	153	1	in	in	ADP
easat-1102	153	2	2015	2015	NUM
easat-1102	153	3	,	,	PUNCT
easat-1102	153	4	mobile	mobile	ADJ
easat-1102	153	5	money	money	NOUN
easat-1102	153	6	transactions	transaction	NOUN
easat-1102	153	7	in	in	ADP
easat-1102	153	8	kenya	kenya	PROPN
easat-1102	153	9	were	be	AUX
easat-1102	153	10	valued	value	VERB
easat-1102	153	11	at	at	ADP
easat-1102	153	12	$	$	SYM
easat-1102	153	13	2.16	2.16	NUM
easat-1102	153	14	billion	billion	NUM
easat-1102	153	15	,	,	PUNCT
easat-1102	153	16	while	while	SCONJ
easat-1102	153	17	in	in	ADP
easat-1102	153	18	uganda	uganda	PROPN
easat-1102	153	19	in	in	ADP
easat-1102	153	20	2014	2014	NUM
easat-1102	153	21	,	,	PUNCT
easat-1102	153	22	they	they	PRON
easat-1102	153	23	were	be	AUX
easat-1102	153	24	$	$	SYM
easat-1102	153	25	10.8	10.8	NUM
easat-1102	153	26	billion	billion	NUM
easat-1102	153	27	,	,	PUNCT
easat-1102	153	28	indicating	indicate	VERB
easat-1102	153	29	the	the	DET
easat-1102	153	30	potential	potential	NOUN
easat-1102	153	31	to	to	PART
easat-1102	153	32	improve	improve	VERB
easat-1102	153	33	financial	financial	ADJ
easat-1102	153	34	inclusion	inclusion	NOUN
easat-1102	153	35	in	in	ADP
easat-1102	153	36	sub	sub	ADJ
easat-1102	153	37	-	-	ADJ
easat-1102	153	38	saharan	saharan	ADJ
easat-1102	153	39	africa	africa	PROPN
easat-1102	154	1	[	[	X
easat-1102	154	2	3	3	NUM
easat-1102	154	3	]	]	PUNCT
easat-1102	154	4	.	.	PUNCT
easat-1102	155	1	mobile	mobile	ADJ
easat-1102	155	2	money	money	NOUN
easat-1102	155	3	enables	enable	VERB
easat-1102	155	4	deposit	deposit	NOUN
easat-1102	155	5	,	,	PUNCT
easat-1102	155	6	transfer	transfer	NOUN
easat-1102	155	7	,	,	PUNCT
easat-1102	155	8	and	and	CCONJ
easat-1102	155	9	withdrawal	withdrawal	NOUN
easat-1102	155	10	services	service	NOUN
easat-1102	155	11	without	without	ADP
easat-1102	155	12	requiring	require	VERB
easat-1102	155	13	a	a	DET
easat-1102	155	14	bank	bank	NOUN
easat-1102	155	15	account	account	NOUN
easat-1102	155	16	.	.	PUNCT
easat-1102	156	1	over	over	ADP
easat-1102	156	2	96	96	NUM
easat-1102	156	3	%	%	NOUN
easat-1102	156	4	of	of	ADP
easat-1102	156	5	countries	country	NOUN
easat-1102	156	6	offer	offer	VERB
easat-1102	156	7	this	this	DET
easat-1102	156	8	service	service	NOUN
easat-1102	156	9	,	,	PUNCT
easat-1102	156	10	despite	despite	SCONJ
easat-1102	156	11	less	less	ADJ
easat-1102	156	12	than	than	ADP
easat-1102	156	13	one	one	NUM
easat-1102	156	14	-	-	PUNCT
easat-1102	156	15	third	third	NOUN
easat-1102	156	16	of	of	ADP
easat-1102	156	17	the	the	DET
easat-1102	156	18	population	population	NOUN
easat-1102	156	19	having	have	VERB
easat-1102	156	20	access	access	NOUN
easat-1102	156	21	to	to	ADP
easat-1102	156	22	banking	banking	NOUN
easat-1102	156	23	.	.	PUNCT
easat-1102	157	1	mobile	mobile	ADJ
easat-1102	157	2	money	money	NOUN
easat-1102	157	3	is	be	AUX
easat-1102	157	4	quicker	quick	ADJ
easat-1102	157	5	,	,	PUNCT
easat-1102	157	6	more	more	ADJ
easat-1102	157	7	cost	cost	NOUN
easat-1102	157	8	-	-	PUNCT
easat-1102	157	9	effective	effective	ADJ
easat-1102	157	10	,	,	PUNCT
easat-1102	157	11	and	and	CCONJ
easat-1102	157	12	more	more	ADV
easat-1102	157	13	secure	secure	ADJ
easat-1102	157	14	[	[	X
easat-1102	157	15	14	14	NUM
easat-1102	157	16	]	]	PUNCT
easat-1102	157	17	.	.	PUNCT
easat-1102	158	1	mobile	mobile	ADJ
easat-1102	158	2	money	money	NOUN
easat-1102	158	3	agents	agent	NOUN
easat-1102	158	4	facilitate	facilitate	VERB
easat-1102	158	5	rapid	rapid	ADJ
easat-1102	158	6	deposits	deposit	NOUN
easat-1102	158	7	and	and	CCONJ
easat-1102	158	8	withdrawals	withdrawal	NOUN
easat-1102	158	9	.	.	PUNCT
easat-1102	159	1	randomized	randomize	VERB
easat-1102	159	2	controlled	control	VERB
easat-1102	159	3	trials	trial	NOUN
easat-1102	159	4	have	have	AUX
easat-1102	159	5	demonstrated	demonstrate	VERB
easat-1102	159	6	that	that	SCONJ
easat-1102	159	7	mobile	mobile	ADJ
easat-1102	159	8	money	money	NOUN
easat-1102	159	9	is	be	AUX
easat-1102	159	10	beneficial	beneficial	ADJ
easat-1102	159	11	for	for	ADP
easat-1102	159	12	aid	aid	NOUN
easat-1102	159	13	distribution	distribution	NOUN
easat-1102	159	14	,	,	PUNCT
easat-1102	159	15	salary	salary	NOUN
easat-1102	159	16	disbursement	disbursement	NOUN
easat-1102	159	17	,	,	PUNCT
easat-1102	159	18	conflict	conflict	NOUN
easat-1102	159	19	zones	zone	NOUN
easat-1102	159	20	,	,	PUNCT
easat-1102	159	21	and	and	CCONJ
easat-1102	159	22	other	other	ADJ
easat-1102	159	23	purposes	purpose	NOUN
easat-1102	159	24	.	.	PUNCT
easat-1102	160	1	the	the	DET
easat-1102	160	2	discourse	discourse	NOUN
easat-1102	160	3	surrounding	surround	VERB
easat-1102	160	4	mobile	mobile	ADJ
easat-1102	160	5	money	money	NOUN
easat-1102	160	6	's	's	PART
easat-1102	160	7	value	value	NOUN
easat-1102	160	8	-	-	PUNCT
easat-1102	160	9	added	add	VERB
easat-1102	160	10	products	product	NOUN
easat-1102	160	11	,	,	PUNCT
easat-1102	160	12	including	include	VERB
easat-1102	160	13	digital	digital	ADJ
easat-1102	160	14	bank	bank	NOUN
easat-1102	160	15	accounts	account	NOUN
easat-1102	160	16	,	,	PUNCT
easat-1102	160	17	is	be	AUX
easat-1102	160	18	growing	grow	VERB
easat-1102	160	19	.	.	PUNCT
easat-1102	161	1	impoverished	impoverished	ADJ
easat-1102	161	2	individuals	individual	NOUN
easat-1102	161	3	have	have	AUX
easat-1102	161	4	embraced	embrace	VERB
easat-1102	161	5	mobile	mobile	ADJ
easat-1102	161	6	money	money	NOUN
easat-1102	161	7	and	and	CCONJ
easat-1102	161	8	digital	digital	ADJ
easat-1102	161	9	payments	payment	NOUN
easat-1102	161	10	.	.	PUNCT
easat-1102	162	1	reduced	reduce	VERB
easat-1102	162	2	costs	cost	NOUN
easat-1102	162	3	and	and	CCONJ
easat-1102	162	4	distance	distance	NOUN
easat-1102	162	5	have	have	AUX
easat-1102	162	6	diminished	diminish	VERB
easat-1102	162	7	the	the	DET
easat-1102	162	8	need	need	NOUN
easat-1102	162	9	for	for	ADP
easat-1102	162	10	peer	peer	NOUN
easat-1102	162	11	-	-	PUNCT
easat-1102	162	12	to	to	ADP
easat-1102	162	13	-	-	PUNCT
easat-1102	162	14	peer	peer	NOUN
easat-1102	162	15	transfers	transfer	NOUN
easat-1102	162	16	.	.	PUNCT
easat-1102	163	1	to	to	PART
easat-1102	163	2	address	address	VERB
easat-1102	163	3	increasing	increase	VERB
easat-1102	163	4	crime	crime	NOUN
easat-1102	163	5	rates	rate	NOUN
easat-1102	163	6	,	,	PUNCT
easat-1102	163	7	the	the	DET
easat-1102	163	8	network	network	NOUN
easat-1102	163	9	will	will	AUX
easat-1102	163	10	store	store	VERB
easat-1102	163	11	and	and	CCONJ
easat-1102	163	12	transport	transport	VERB
easat-1102	163	13	goods	good	NOUN
easat-1102	163	14	over	over	ADP
easat-1102	163	15	short	short	ADJ
easat-1102	163	16	distances	distance	NOUN
easat-1102	163	17	.	.	PUNCT
easat-1102	164	1	avoiding	avoid	VERB
easat-1102	164	2	cash	cash	NOUN
easat-1102	164	3	for	for	ADP
easat-1102	164	4	an	an	DET
easat-1102	164	5	additional	additional	ADJ
easat-1102	164	6	kilometer	kilometer	NOUN
easat-1102	164	7	or	or	CCONJ
easat-1102	164	8	storing	store	VERB
easat-1102	164	9	money	money	NOUN
easat-1102	164	10	at	at	ADP
easat-1102	164	11	home	home	NOUN
easat-1102	164	12	would	would	AUX
easat-1102	164	13	result	result	VERB
easat-1102	164	14	in	in	ADP
easat-1102	164	15	a	a	DET
easat-1102	164	16	cost	cost	NOUN
easat-1102	164	17	of	of	ADP
easat-1102	164	18	1.24	1.24	NUM
easat-1102	164	19	%	%	NOUN
easat-1102	164	20	or	or	CCONJ
easat-1102	164	21	0.8	0.8	NUM
easat-1102	164	22	%	%	NOUN
easat-1102	164	23	for	for	ADP
easat-1102	164	24	consumers	consumer	NOUN
easat-1102	164	25	.	.	PUNCT
easat-1102	165	1	consideration	consideration	NOUN
easat-1102	165	2	of	of	ADP
easat-1102	165	3	service	service	NOUN
easat-1102	165	4	type	type	NOUN
easat-1102	165	5	,	,	PUNCT
easat-1102	165	6	transaction	transaction	NOUN
easat-1102	165	7	origin	origin	NOUN
easat-1102	165	8	,	,	PUNCT
easat-1102	165	9	and	and	CCONJ
easat-1102	165	10	distance	distance	NOUN
easat-1102	165	11	price	price	NOUN
easat-1102	165	12	differential	differential	NOUN
easat-1102	165	13	could	could	AUX
easat-1102	165	14	enhance	enhance	VERB
easat-1102	165	15	profitability	profitability	NOUN
easat-1102	165	16	.	.	PUNCT
easat-1102	166	1	urban	urban	ADJ
easat-1102	166	2	crime	crime	NOUN
easat-1102	166	3	creates	create	VERB
easat-1102	166	4	a	a	DET
easat-1102	166	5	price	price	NOUN
easat-1102	166	6	gap	gap	NOUN
easat-1102	166	7	between	between	ADP
easat-1102	166	8	rural	rural	ADJ
easat-1102	166	9	and	and	CCONJ
easat-1102	166	10	urban	urban	ADJ
easat-1102	166	11	customers	customer	NOUN
easat-1102	166	12	,	,	PUNCT
easat-1102	166	13	making	make	VERB
easat-1102	166	14	short	short	ADJ
easat-1102	166	15	-	-	PUNCT
easat-1102	166	16	distance	distance	NOUN
easat-1102	166	17	and	and	CCONJ
easat-1102	166	18	long	long	ADJ
easat-1102	166	19	-	-	PUNCT
easat-1102	166	20	distance	distance	NOUN
easat-1102	166	21	transportation	transportation	NOUN
easat-1102	166	22	/	/	SYM
easat-1102	166	23	storage	storage	NOUN
easat-1102	166	24	deals	deal	NOUN
easat-1102	166	25	lucrative	lucrative	ADJ
easat-1102	166	26	[	[	X
easat-1102	166	27	4	4	NUM
easat-1102	166	28	]	]	PUNCT
easat-1102	166	29	.	.	PUNCT
easat-1102	167	1	mobile	mobile	ADJ
easat-1102	167	2	payment	payment	NOUN
easat-1102	167	3	technology	technology	NOUN
easat-1102	167	4	provides	provide	VERB
easat-1102	167	5	retailers	retailer	NOUN
easat-1102	167	6	and	and	CCONJ
easat-1102	167	7	consumers	consumer	NOUN
easat-1102	167	8	with	with	ADP
easat-1102	167	9	a	a	DET
easat-1102	167	10	competitive	competitive	ADJ
easat-1102	167	11	advantage	advantage	NOUN
easat-1102	167	12	over	over	ADP
easat-1102	167	13	traditional	traditional	ADJ
easat-1102	167	14	methods	method	NOUN
easat-1102	167	15	.	.	PUNCT
easat-1102	168	1	management	management	NOUN
easat-1102	168	2	is	be	AUX
easat-1102	168	3	agile	agile	ADJ
easat-1102	168	4	in	in	ADP
easat-1102	168	5	retail	retail	NOUN
easat-1102	168	6	.	.	PUNCT
easat-1102	169	1	loyalty	loyalty	NOUN
easat-1102	169	2	programs	program	NOUN
easat-1102	169	3	and	and	CCONJ
easat-1102	169	4	promotions	promotion	NOUN
easat-1102	169	5	improve	improve	VERB
easat-1102	169	6	customer	customer	NOUN
easat-1102	169	7	retention	retention	NOUN
easat-1102	169	8	.	.	PUNCT
easat-1102	170	1	trust	trust	NOUN
easat-1102	170	2	influences	influence	VERB
easat-1102	170	3	the	the	DET
easat-1102	170	4	perceived	perceive	VERB
easat-1102	170	5	usefulness	usefulness	NOUN
easat-1102	170	6	and	and	CCONJ
easat-1102	170	7	adoption	adoption	NOUN
easat-1102	170	8	of	of	ADP
easat-1102	170	9	wallet	wallet	NOUN
easat-1102	170	10	services	service	NOUN
easat-1102	170	11	[	[	X
easat-1102	170	12	5	5	NUM
easat-1102	170	13	]	]	PUNCT
easat-1102	170	14	.	.	PUNCT
easat-1102	171	1	a	a	DET
easat-1102	171	2	mobile	mobile	ADJ
easat-1102	171	3	phone	phone	NOUN
easat-1102	171	4	is	be	AUX
easat-1102	171	5	used	use	VERB
easat-1102	171	6	to	to	PART
easat-1102	171	7	store	store	VERB
easat-1102	171	8	virtual	virtual	ADJ
easat-1102	171	9	money	money	NOUN
easat-1102	171	10	in	in	ADP
easat-1102	171	11	a	a	DET
easat-1102	171	12	sim	sim	ADJ
easat-1102	171	13	card	card	NOUN
easat-1102	171	14	-	-	PUNCT
easat-1102	171	15	linked	link	VERB
easat-1102	171	16	account	account	NOUN
easat-1102	171	17	[	[	X
easat-1102	171	18	8	8	NUM
easat-1102	171	19	]	]	PUNCT
easat-1102	171	20	.	.	PUNCT
easat-1102	172	1	customers	customer	NOUN
easat-1102	172	2	can	can	AUX
easat-1102	172	3	deposit	deposit	VERB
easat-1102	172	4	,	,	PUNCT
easat-1102	172	5	transfer	transfer	NOUN
easat-1102	172	6	,	,	PUNCT
easat-1102	172	7	and	and	CCONJ
easat-1102	172	8	withdraw	withdraw	VERB
easat-1102	172	9	cash	cash	NOUN
easat-1102	172	10	using	use	VERB
easat-1102	172	11	this	this	DET
easat-1102	172	12	service	service	NOUN
easat-1102	172	13	.	.	PUNCT
easat-1102	173	1	it	it	PRON
easat-1102	173	2	operates	operate	VERB
easat-1102	173	3	without	without	ADP
easat-1102	173	4	requiring	require	VERB
easat-1102	173	5	an	an	DET
easat-1102	173	6	internet	internet	NOUN
easat-1102	173	7	connection	connection	NOUN
easat-1102	173	8	and	and	CCONJ
easat-1102	173	9	is	be	AUX
easat-1102	173	10	compatible	compatible	ADJ
easat-1102	173	11	with	with	ADP
easat-1102	173	12	simple	simple	ADJ
easat-1102	173	13	mobile	mobile	ADJ
easat-1102	173	14	phones	phone	NOUN
easat-1102	173	15	.	.	PUNCT
easat-1102	174	1	mobile	mobile	ADJ
easat-1102	174	2	money	money	NOUN
easat-1102	174	3	could	could	AUX
easat-1102	174	4	supplant	supplant	VERB
easat-1102	174	5	physical	physical	ADJ
easat-1102	174	6	currency	currency	NOUN
easat-1102	174	7	.	.	PUNCT
easat-1102	175	1	mobile	mobile	ADJ
easat-1102	175	2	money	money	NOUN
easat-1102	175	3	has	have	AUX
easat-1102	175	4	reduced	reduce	VERB
easat-1102	175	5	the	the	DET
easat-1102	175	6	traditional	traditional	ADJ
easat-1102	175	7	banks	bank	NOUN
easat-1102	175	8	'	'	PART
easat-1102	175	9	problem	problem	NOUN
easat-1102	175	10	of	of	ADP
easat-1102	175	11	asymmetric	asymmetric	ADJ
easat-1102	175	12	information	information	NOUN
easat-1102	175	13	when	when	SCONJ
easat-1102	175	14	providing	provide	VERB
easat-1102	175	15	loans	loan	NOUN
easat-1102	175	16	to	to	ADP
easat-1102	175	17	poor	poor	ADJ
easat-1102	175	18	individuals	individual	NOUN
easat-1102	175	19	without	without	ADP
easat-1102	175	20	collateral	collateral	NOUN
easat-1102	175	21	.	.	PUNCT
easat-1102	176	1	individuals	individual	NOUN
easat-1102	176	2	without	without	ADP
easat-1102	176	3	bank	bank	NOUN
easat-1102	176	4	accounts	account	NOUN
easat-1102	176	5	may	may	AUX
easat-1102	176	6	now	now	ADV
easat-1102	176	7	monitor	monitor	VERB
easat-1102	176	8	the	the	DET
easat-1102	176	9	flow	flow	NOUN
easat-1102	176	10	of	of	ADP
easat-1102	176	11	money	money	NOUN
easat-1102	176	12	into	into	ADP
easat-1102	176	13	digital	digital	ADJ
easat-1102	176	14	accounts	account	NOUN
easat-1102	176	15	instantly	instantly	ADV
easat-1102	176	16	[	[	X
easat-1102	176	17	9	9	NUM
easat-1102	176	18	]	]	PUNCT
easat-1102	176	19	.	.	PUNCT
easat-1102	177	1	for	for	ADP
easat-1102	177	2	those	those	PRON
easat-1102	177	3	without	without	ADP
easat-1102	177	4	bank	bank	NOUN
easat-1102	177	5	accounts	account	NOUN
easat-1102	177	6	,	,	PUNCT
easat-1102	177	7	computers	computer	NOUN
easat-1102	177	8	can	can	AUX
easat-1102	177	9	generate	generate	VERB
easat-1102	177	10	credit	credit	NOUN
easat-1102	177	11	scores	score	NOUN
easat-1102	177	12	from	from	ADP
easat-1102	177	13	these	these	DET
easat-1102	177	14	records	record	NOUN
easat-1102	177	15	.	.	PUNCT
easat-1102	178	1	over	over	ADP
easat-1102	178	2	time	time	NOUN
easat-1102	178	3	,	,	PUNCT
easat-1102	178	4	mobile	mobile	ADJ
easat-1102	178	5	money	money	NOUN
easat-1102	178	6	users	user	NOUN
easat-1102	178	7	can	can	AUX
easat-1102	178	8	access	access	VERB
easat-1102	178	9	interest	interest	NOUN
easat-1102	178	10	-	-	PUNCT
easat-1102	178	11	earning	earn	VERB
easat-1102	178	12	savings	saving	NOUN
easat-1102	178	13	accounts	account	NOUN
easat-1102	178	14	,	,	PUNCT
easat-1102	178	15	livelihood	livelihood	NOUN
easat-1102	178	16	financing	financing	NOUN
easat-1102	178	17	,	,	PUNCT
easat-1102	178	18	and	and	CCONJ
easat-1102	178	19	risk	risk	NOUN
easat-1102	178	20	-	-	PUNCT
easat-1102	178	21	mitigating	mitigate	VERB
easat-1102	178	22	insurance	insurance	NOUN
easat-1102	178	23	.	.	PUNCT
easat-1102	179	1	electronic	electronic	ADJ
easat-1102	179	2	records	record	NOUN
easat-1102	179	3	enhance	enhance	VERB
easat-1102	179	4	tax	tax	NOUN
easat-1102	179	5	collection	collection	NOUN
easat-1102	179	6	by	by	ADP
easat-1102	179	7	tracking	track	VERB
easat-1102	179	8	overseas	overseas	ADJ
easat-1102	179	9	transactions	transaction	NOUN
easat-1102	179	10	and	and	CCONJ
easat-1102	179	11	expenditures	expenditure	NOUN
easat-1102	179	12	.	.	PUNCT
easat-1102	180	1	mobile	mobile	ADJ
easat-1102	180	2	money	money	NOUN
easat-1102	180	3	systems	system	NOUN
easat-1102	180	4	should	should	AUX
easat-1102	180	5	be	be	AUX
easat-1102	180	6	used	use	VERB
easat-1102	180	7	to	to	PART
easat-1102	180	8	monitor	monitor	VERB
easat-1102	180	9	international	international	ADJ
easat-1102	180	10	transactions	transaction	NOUN
easat-1102	180	11	and	and	CCONJ
easat-1102	180	12	identify	identify	VERB
easat-1102	180	13	instances	instance	NOUN
easat-1102	180	14	of	of	ADP
easat-1102	180	15	money	money	NOUN
easat-1102	180	16	laundering	laundering	NOUN
easat-1102	180	17	.	.	PUNCT
easat-1102	181	1	governments	government	NOUN
easat-1102	181	2	and	and	CCONJ
easat-1102	181	3	donors	donor	NOUN
easat-1102	181	4	may	may	AUX
easat-1102	181	5	invest	invest	VERB
easat-1102	181	6	in	in	ADP
easat-1102	181	7	mobile	mobile	ADJ
easat-1102	181	8	money	money	NOUN
easat-1102	181	9	if	if	SCONJ
easat-1102	181	10	it	it	PRON
easat-1102	181	11	promotes	promote	VERB
easat-1102	181	12	welfare	welfare	NOUN
easat-1102	181	13	and	and	CCONJ
easat-1102	181	14	risk	risk	NOUN
easat-1102	181	15	-	-	PUNCT
easat-1102	181	16	sharing	sharing	NOUN
easat-1102	181	17	across	across	ADP
easat-1102	181	18	countries	country	NOUN
easat-1102	181	19	.	.	PUNCT
easat-1102	182	1	mobile	mobile	ADJ
easat-1102	182	2	money	money	NOUN
easat-1102	182	3	enhances	enhance	VERB
easat-1102	182	4	informal	informal	ADJ
easat-1102	182	5	risk	risk	NOUN
easat-1102	182	6	-	-	PUNCT
easat-1102	182	7	sharing	sharing	NOUN
easat-1102	182	8	by	by	ADP
easat-1102	182	9	reducing	reduce	VERB
easat-1102	182	10	domestic	domestic	ADJ
easat-1102	182	11	transfer	transfer	NOUN
easat-1102	182	12	expenses	expense	NOUN
easat-1102	182	13	.	.	PUNCT
easat-1102	183	1	2.5	2.5	NUM
easat-1102	183	2	.	.	PUNCT
easat-1102	184	1	challenges	challenge	NOUN
easat-1102	184	2	associated	associate	VERB
easat-1102	184	3	with	with	ADP
easat-1102	184	4	mobile	mobile	ADJ
easat-1102	184	5	money	money	NOUN
easat-1102	184	6	systems	system	NOUN
easat-1102	184	7	mobile	mobile	ADJ
easat-1102	184	8	phone	phone	NOUN
easat-1102	184	9	usage	usage	NOUN
easat-1102	184	10	increases	increase	NOUN
easat-1102	184	11	as	as	SCONJ
easat-1102	184	12	infrastructure	infrastructure	NOUN
easat-1102	184	13	improves	improve	VERB
easat-1102	184	14	.	.	PUNCT
easat-1102	185	1	infrastructure	infrastructure	NOUN
easat-1102	185	2	is	be	AUX
easat-1102	185	3	hindering	hinder	VERB
easat-1102	185	4	mobile	mobile	ADJ
easat-1102	185	5	banking	banking	NOUN
easat-1102	185	6	.	.	PUNCT
easat-1102	186	1	inadequate	inadequate	ADJ
easat-1102	186	2	infrastructure	infrastructure	NOUN
easat-1102	186	3	leads	lead	VERB
easat-1102	186	4	to	to	ADP
easat-1102	186	5	an	an	DET
easat-1102	186	6	increased	increase	VERB
easat-1102	186	7	prevalence	prevalence	NOUN
easat-1102	186	8	of	of	ADP
easat-1102	186	9	mobile	mobile	ADJ
easat-1102	186	10	financial	financial	ADJ
easat-1102	186	11	transactions	transaction	NOUN
easat-1102	186	12	.	.	PUNCT
easat-1102	187	1	it	it	PRON
easat-1102	187	2	offers	offer	VERB
easat-1102	187	3	voice	voice	NOUN
easat-1102	187	4	and	and	CCONJ
easat-1102	187	5	internet	internet	NOUN
easat-1102	187	6	services	service	NOUN
easat-1102	187	7	in	in	ADP
easat-1102	187	8	sub	sub	ADJ
easat-1102	187	9	-	-	ADJ
easat-1102	187	10	saharan	saharan	ADJ
easat-1102	187	11	africa	africa	PROPN
easat-1102	187	12	because	because	SCONJ
easat-1102	187	13	of	of	ADP
easat-1102	187	14	inadequate	inadequate	ADJ
easat-1102	187	15	infrastructure	infrastructure	NOUN
easat-1102	187	16	.	.	PUNCT
easat-1102	188	1	prepaid	prepay	VERB
easat-1102	188	2	mobile	mobile	ADJ
easat-1102	188	3	services	service	NOUN
easat-1102	188	4	61	61	NUM
easat-1102	188	5	edelweiss	edelweiss	PROPN
easat-1102	188	6	applied	apply	VERB
easat-1102	188	7	science	science	NOUN
easat-1102	188	8	and	and	CCONJ
easat-1102	188	9	technology	technology	NOUN
easat-1102	188	10	issn	issn	PROPN
easat-1102	188	11	:	:	PUNCT
easat-1102	188	12	2576	2576	NUM
easat-1102	188	13	-	-	SYM
easat-1102	188	14	8484	8484	NUM
easat-1102	188	15	vol	vol	NOUN
easat-1102	188	16	.	.	PROPN
easat-1102	189	1	8	8	NUM
easat-1102	189	2	,	,	PUNCT
easat-1102	189	3	no	no	INTJ
easat-1102	189	4	.	.	NOUN
easat-1102	190	1	4	4	NUM
easat-1102	190	2	:	:	SYM
easat-1102	190	3	56	56	NUM
easat-1102	190	4	-	-	SYM
easat-1102	190	5	69	69	NUM
easat-1102	190	6	,	,	PUNCT
easat-1102	190	7	2024	2024	NUM
easat-1102	190	8	doi	doi	NOUN
easat-1102	190	9	:	:	PUNCT
easat-1102	190	10	10.55214/25768484.v8i4.1102	10.55214/25768484.v8i4.1102	NUM
easat-1102	190	11	©	©	ADP
easat-1102	190	12	2024	2024	NUM
easat-1102	190	13	by	by	ADP
easat-1102	190	14	the	the	DET
easat-1102	190	15	authors	author	NOUN
easat-1102	190	16	;	;	PUNCT
easat-1102	190	17	licensee	licensee	PROPN
easat-1102	190	18	learning	learning	NOUN
easat-1102	190	19	gate	gate	NOUN
easat-1102	190	20	reduced	reduce	VERB
easat-1102	190	21	phone	phone	NOUN
easat-1102	190	22	costs	cost	NOUN
easat-1102	190	23	,	,	PUNCT
easat-1102	190	24	leading	lead	VERB
easat-1102	190	25	to	to	ADP
easat-1102	190	26	a	a	DET
easat-1102	190	27	significant	significant	ADJ
easat-1102	190	28	increase	increase	NOUN
easat-1102	190	29	in	in	ADP
easat-1102	190	30	mobile	mobile	ADJ
easat-1102	190	31	subscribers	subscriber	NOUN
easat-1102	190	32	.	.	PUNCT
easat-1102	191	1	sa	sa	PROPN
easat-1102	191	2	,	,	PUNCT
easat-1102	191	3	ghana	ghana	PROPN
easat-1102	191	4	,	,	PUNCT
easat-1102	191	5	namibia	namibia	PROPN
easat-1102	191	6	,	,	PUNCT
easat-1102	191	7	and	and	CCONJ
easat-1102	191	8	ethiopia	ethiopia	PROPN
easat-1102	191	9	ranked	rank	VERB
easat-1102	191	10	behind	behind	ADP
easat-1102	191	11	botswana	botswana	PROPN
easat-1102	191	12	in	in	ADP
easat-1102	191	13	2014	2014	NUM
easat-1102	191	14	subscriptions	subscription	NOUN
easat-1102	191	15	.	.	PUNCT
easat-1102	192	1	remote	remote	ADJ
easat-1102	192	2	phone	phone	NOUN
easat-1102	192	3	users	user	NOUN
easat-1102	192	4	do	do	AUX
easat-1102	192	5	not	not	PART
easat-1102	192	6	have	have	VERB
easat-1102	192	7	essential	essential	ADJ
easat-1102	192	8	services	service	NOUN
easat-1102	192	9	[	[	X
easat-1102	192	10	1	1	NUM
easat-1102	192	11	]	]	PUNCT
easat-1102	192	12	.	.	PUNCT
easat-1102	193	1	ugandans	ugandans	PROPN
easat-1102	193	2	are	be	AUX
easat-1102	193	3	cautious	cautious	ADJ
easat-1102	193	4	about	about	ADP
easat-1102	193	5	mobile	mobile	ADJ
easat-1102	193	6	money	money	NOUN
easat-1102	193	7	because	because	SCONJ
easat-1102	193	8	of	of	ADP
easat-1102	193	9	security	security	NOUN
easat-1102	193	10	concerns	concern	NOUN
easat-1102	193	11	[	[	X
easat-1102	193	12	2	2	NUM
easat-1102	193	13	]	]	PUNCT
easat-1102	193	14	.	.	PUNCT
easat-1102	194	1	examples	example	NOUN
easat-1102	194	2	include	include	VERB
easat-1102	194	3	attacks	attack	NOUN
easat-1102	194	4	on	on	ADP
easat-1102	194	5	authentication	authentication	NOUN
easat-1102	194	6	,	,	PUNCT
easat-1102	194	7	theft	theft	NOUN
easat-1102	194	8	of	of	ADP
easat-1102	194	9	identity	identity	NOUN
easat-1102	194	10	,	,	PUNCT
easat-1102	194	11	and	and	CCONJ
easat-1102	194	12	vulnerabilities	vulnerability	NOUN
easat-1102	194	13	in	in	ADP
easat-1102	194	14	ussd	ussd	NOUN
easat-1102	194	15	.	.	PUNCT
easat-1102	195	1	weak	weak	ADJ
easat-1102	195	2	pin	pin	NOUN
easat-1102	195	3	reset	reset	NOUN
easat-1102	195	4	mechanisms	mechanism	NOUN
easat-1102	195	5	make	make	VERB
easat-1102	195	6	it	it	PRON
easat-1102	195	7	simple	simple	ADJ
easat-1102	195	8	to	to	PART
easat-1102	195	9	carry	carry	VERB
easat-1102	195	10	out	out	ADP
easat-1102	195	11	authentication	authentication	NOUN
easat-1102	195	12	attacks	attack	NOUN
easat-1102	195	13	such	such	ADJ
easat-1102	195	14	as	as	ADP
easat-1102	195	15	guessing	guess	VERB
easat-1102	195	16	,	,	PUNCT
easat-1102	195	17	smearing	smearing	NOUN
easat-1102	195	18	,	,	PUNCT
easat-1102	195	19	and	and	CCONJ
easat-1102	195	20	snooping	snoop	VERB
easat-1102	195	21	.	.	PUNCT
easat-1102	196	1	scammers	scammer	NOUN
easat-1102	196	2	can	can	AUX
easat-1102	196	3	influence	influence	VERB
easat-1102	196	4	mobile	mobile	ADJ
easat-1102	196	5	money	money	NOUN
easat-1102	196	6	transactions	transaction	NOUN
easat-1102	196	7	and	and	CCONJ
easat-1102	196	8	steal	steal	VERB
easat-1102	196	9	identities	identity	NOUN
easat-1102	196	10	using	use	VERB
easat-1102	196	11	false	false	ADJ
easat-1102	196	12	or	or	CCONJ
easat-1102	196	13	offline	offline	ADJ
easat-1102	196	14	sim	sim	ADJ
easat-1102	196	15	swaps	swap	NOUN
easat-1102	196	16	.	.	PUNCT
easat-1102	197	1	the	the	DET
easat-1102	197	2	lack	lack	NOUN
easat-1102	197	3	of	of	ADP
easat-1102	197	4	encryption	encryption	NOUN
easat-1102	197	5	in	in	ADP
easat-1102	197	6	ussd	ussd	ADJ
easat-1102	197	7	communication	communication	NOUN
easat-1102	197	8	channels	channel	NOUN
easat-1102	197	9	exposes	expose	VERB
easat-1102	197	10	it	it	PRON
easat-1102	197	11	to	to	ADP
easat-1102	197	12	potential	potential	ADJ
easat-1102	197	13	attacks	attack	NOUN
easat-1102	197	14	.	.	PUNCT
easat-1102	198	1	wireshark	wireshark	NOUN
easat-1102	198	2	intercepts	intercept	NOUN
easat-1102	198	3	unencrypted	unencrypted	ADJ
easat-1102	198	4	data	datum	NOUN
easat-1102	198	5	during	during	ADP
easat-1102	198	6	the	the	DET
easat-1102	198	7	verification	verification	NOUN
easat-1102	198	8	process	process	NOUN
easat-1102	198	9	.	.	PUNCT
easat-1102	199	1	thin	thin	ADJ
easat-1102	199	2	sim	sim	ADJ
easat-1102	199	3	transmits	transmit	NOUN
easat-1102	199	4	ussd	ussd	ADJ
easat-1102	199	5	messages	message	NOUN
easat-1102	199	6	over	over	ADP
easat-1102	199	7	attackercontrolled	attackercontrolle	VERB
easat-1102	199	8	servers	server	NOUN
easat-1102	199	9	.	.	PUNCT
easat-1102	200	1	smishing	smishe	VERB
easat-1102	200	2	and	and	CCONJ
easat-1102	200	3	vishing	vishe	VERB
easat-1102	200	4	attacks	attack	NOUN
easat-1102	200	5	utilize	utilize	VERB
easat-1102	200	6	deceptive	deceptive	ADJ
easat-1102	200	7	text	text	NOUN
easat-1102	200	8	messages	message	NOUN
easat-1102	200	9	to	to	PART
easat-1102	200	10	manipulate	manipulate	VERB
easat-1102	200	11	mobile	mobile	ADJ
easat-1102	200	12	users	user	NOUN
easat-1102	200	13	into	into	ADP
easat-1102	200	14	revealing	reveal	VERB
easat-1102	200	15	critical	critical	ADJ
easat-1102	200	16	information	information	NOUN
easat-1102	200	17	.	.	PUNCT
easat-1102	201	1	brute	brute	NOUN
easat-1102	201	2	-	-	PUNCT
easat-1102	201	3	force	force	NOUN
easat-1102	201	4	,	,	PUNCT
easat-1102	201	5	dos	do	NOUN
easat-1102	201	6	,	,	PUNCT
easat-1102	201	7	man	man	NOUN
easat-1102	201	8	-	-	PUNCT
easat-1102	201	9	in	in	ADP
easat-1102	201	10	-	-	PUNCT
easat-1102	201	11	the	the	DET
easat-1102	201	12	-	-	PUNCT
easat-1102	201	13	middle	middle	ADJ
easat-1102	201	14	,	,	PUNCT
easat-1102	201	15	salami	salami	NOUN
easat-1102	201	16	,	,	PUNCT
easat-1102	201	17	and	and	CCONJ
easat-1102	201	18	replay	replay	NOUN
easat-1102	201	19	attacks	attack	NOUN
easat-1102	201	20	have	have	VERB
easat-1102	201	21	the	the	DET
easat-1102	201	22	potential	potential	NOUN
easat-1102	201	23	to	to	PART
easat-1102	201	24	disrupt	disrupt	VERB
easat-1102	201	25	mobile	mobile	ADJ
easat-1102	201	26	money	money	NOUN
easat-1102	201	27	systems	system	NOUN
easat-1102	201	28	.	.	PUNCT
easat-1102	202	1	employee	employee	NOUN
easat-1102	202	2	fraud	fraud	NOUN
easat-1102	202	3	accounts	account	VERB
easat-1102	202	4	for	for	ADP
easat-1102	202	5	more	more	ADJ
easat-1102	202	6	than	than	ADP
easat-1102	202	7	80	80	NUM
easat-1102	202	8	%	%	NOUN
easat-1102	202	9	of	of	ADP
easat-1102	202	10	remote	remote	ADJ
easat-1102	202	11	system	system	NOUN
easat-1102	202	12	fraud	fraud	NOUN
easat-1102	202	13	.	.	PUNCT
easat-1102	203	1	agents	agent	NOUN
easat-1102	203	2	engage	engage	VERB
easat-1102	203	3	in	in	ADP
easat-1102	203	4	fraudulent	fraudulent	ADJ
easat-1102	203	5	activities	activity	NOUN
easat-1102	203	6	by	by	ADP
easat-1102	203	7	stealing	steal	VERB
easat-1102	203	8	funds	fund	NOUN
easat-1102	203	9	and	and	CCONJ
easat-1102	203	10	imposing	impose	VERB
easat-1102	203	11	additional	additional	ADJ
easat-1102	203	12	fees	fee	NOUN
easat-1102	203	13	during	during	ADP
easat-1102	203	14	mobile	mobile	ADJ
easat-1102	203	15	money	money	NOUN
easat-1102	203	16	transactions	transaction	NOUN
easat-1102	203	17	.	.	PUNCT
easat-1102	204	1	in	in	ADP
easat-1102	204	2	2015	2015	NUM
easat-1102	204	3	,	,	PUNCT
easat-1102	204	4	uganda	uganda	PROPN
easat-1102	204	5	had	have	VERB
easat-1102	204	6	the	the	DET
easat-1102	204	7	highest	high	ADJ
easat-1102	204	8	rates	rate	NOUN
easat-1102	204	9	of	of	ADP
easat-1102	204	10	fraud	fraud	NOUN
easat-1102	204	11	and	and	CCONJ
easat-1102	204	12	criminality	criminality	NOUN
easat-1102	204	13	in	in	ADP
easat-1102	204	14	the	the	DET
easat-1102	204	15	region	region	NOUN
easat-1102	204	16	,	,	PUNCT
easat-1102	204	17	with	with	ADP
easat-1102	204	18	53	53	NUM
easat-1102	204	19	%	%	NOUN
easat-1102	204	20	of	of	ADP
easat-1102	204	21	mobile	mobile	ADJ
easat-1102	204	22	money	money	NOUN
easat-1102	204	23	agents	agent	NOUN
easat-1102	204	24	in	in	ADP
easat-1102	204	25	uganda	uganda	PROPN
easat-1102	204	26	and	and	CCONJ
easat-1102	204	27	42	42	NUM
easat-1102	204	28	%	%	NOUN
easat-1102	204	29	in	in	ADP
easat-1102	204	30	tanzania	tanzania	PROPN
easat-1102	204	31	reporting	reporting	NOUN
easat-1102	204	32	fraud	fraud	NOUN
easat-1102	204	33	.	.	PUNCT
easat-1102	205	1	mobile	mobile	ADJ
easat-1102	205	2	money	money	NOUN
easat-1102	205	3	scammers	scammer	NOUN
easat-1102	205	4	took	take	VERB
easat-1102	205	5	advantage	advantage	NOUN
easat-1102	205	6	of	of	ADP
easat-1102	205	7	subscribers	subscriber	NOUN
easat-1102	205	8	,	,	PUNCT
easat-1102	205	9	operators	operator	NOUN
easat-1102	205	10	,	,	PUNCT
easat-1102	205	11	and	and	CCONJ
easat-1102	205	12	agents	agent	NOUN
easat-1102	205	13	.	.	PUNCT
easat-1102	206	1	fraudsters	fraudster	NOUN
easat-1102	206	2	pilfer	pilfer	VERB
easat-1102	206	3	mobile	mobile	ADJ
easat-1102	206	4	money	money	NOUN
easat-1102	206	5	codes	code	NOUN
easat-1102	206	6	,	,	PUNCT
easat-1102	206	7	sim	sim	ADJ
easat-1102	206	8	cards	card	NOUN
easat-1102	206	9	,	,	PUNCT
easat-1102	206	10	pins	pin	NOUN
easat-1102	206	11	,	,	PUNCT
easat-1102	206	12	and	and	CCONJ
easat-1102	206	13	other	other	ADJ
easat-1102	206	14	data	datum	NOUN
easat-1102	206	15	to	to	PART
easat-1102	206	16	manipulate	manipulate	VERB
easat-1102	206	17	transactions	transaction	NOUN
easat-1102	206	18	.	.	PUNCT
easat-1102	207	1	fraudsters	fraudster	NOUN
easat-1102	207	2	deceive	deceive	VERB
easat-1102	207	3	employees	employee	NOUN
easat-1102	207	4	and	and	CCONJ
easat-1102	207	5	agents	agent	NOUN
easat-1102	207	6	by	by	ADP
easat-1102	207	7	utilizing	utilize	VERB
easat-1102	207	8	multiple	multiple	ADJ
easat-1102	207	9	fake	fake	ADJ
easat-1102	207	10	accounts	account	NOUN
easat-1102	207	11	and	and	CCONJ
easat-1102	207	12	passwords	password	NOUN
easat-1102	207	13	to	to	PART
easat-1102	207	14	steal	steal	VERB
easat-1102	207	15	.	.	PUNCT
easat-1102	208	1	in	in	ADP
easat-1102	208	2	2017	2017	NUM
easat-1102	208	3	,	,	PUNCT
easat-1102	208	4	ghana	ghana	PROPN
easat-1102	208	5	imposed	impose	VERB
easat-1102	208	6	fines	fine	NOUN
easat-1102	208	7	on	on	ADP
easat-1102	208	8	3,000	3,000	NUM
easat-1102	208	9	mobile	mobile	ADJ
easat-1102	208	10	money	money	NOUN
easat-1102	208	11	brokers	broker	NOUN
easat-1102	208	12	for	for	ADP
easat-1102	208	13	colluding	collude	VERB
easat-1102	208	14	with	with	ADP
easat-1102	208	15	subscribers	subscriber	NOUN
easat-1102	208	16	to	to	PART
easat-1102	208	17	defraud	defraud	VERB
easat-1102	208	18	service	service	NOUN
easat-1102	208	19	providers	provider	NOUN
easat-1102	208	20	.	.	PUNCT
easat-1102	209	1	mobile	mobile	ADJ
easat-1102	209	2	money	money	NOUN
easat-1102	209	3	businesses	business	NOUN
easat-1102	209	4	have	have	AUX
easat-1102	209	5	accused	accuse	VERB
easat-1102	209	6	their	their	PRON
easat-1102	209	7	employees	employee	NOUN
easat-1102	209	8	of	of	ADP
easat-1102	209	9	aiding	aid	VERB
easat-1102	209	10	scammers	scammer	NOUN
easat-1102	209	11	.	.	PUNCT
easat-1102	210	1	operators	operator	NOUN
easat-1102	210	2	without	without	ADP
easat-1102	210	3	sophisticated	sophisticated	ADJ
easat-1102	210	4	mobile	mobile	ADJ
easat-1102	210	5	money	money	NOUN
easat-1102	210	6	algorithms	algorithm	NOUN
easat-1102	210	7	are	be	AUX
easat-1102	210	8	vulnerable	vulnerable	ADJ
easat-1102	210	9	to	to	ADP
easat-1102	210	10	fraud	fraud	NOUN
easat-1102	210	11	.	.	PUNCT
easat-1102	211	1	scammers	scammer	NOUN
easat-1102	211	2	are	be	AUX
easat-1102	211	3	prevalent	prevalent	ADJ
easat-1102	211	4	in	in	ADP
easat-1102	211	5	ghana	ghana	PROPN
easat-1102	211	6	,	,	PUNCT
easat-1102	211	7	sending	send	VERB
easat-1102	211	8	anonymous	anonymous	ADJ
easat-1102	211	9	calls	call	NOUN
easat-1102	211	10	,	,	PUNCT
easat-1102	211	11	texts	text	NOUN
easat-1102	211	12	,	,	PUNCT
easat-1102	211	13	deceptive	deceptive	ADJ
easat-1102	211	14	advertisements	advertisement	NOUN
easat-1102	211	15	,	,	PUNCT
easat-1102	211	16	and	and	CCONJ
easat-1102	211	17	pay	pay	VERB
easat-1102	211	18	-	-	PUNCT
easat-1102	211	19	out	out	NOUN
easat-1102	211	20	sms	sms	NOUN
easat-1102	211	21	messages	message	NOUN
easat-1102	211	22	.	.	PUNCT
easat-1102	212	1	technologists	technologist	NOUN
easat-1102	212	2	deceive	deceive	VERB
easat-1102	212	3	and	and	CCONJ
easat-1102	212	4	conceal	conceal	VERB
easat-1102	212	5	information	information	NOUN
easat-1102	212	6	technology	technology	NOUN
easat-1102	212	7	systems	system	NOUN
easat-1102	212	8	from	from	ADP
easat-1102	212	9	the	the	DET
easat-1102	212	10	public	public	NOUN
easat-1102	212	11	.	.	PUNCT
easat-1102	213	1	ghanaian	ghanaian	ADJ
easat-1102	213	2	fraud	fraud	NOUN
easat-1102	213	3	involves	involve	VERB
easat-1102	213	4	deceptive	deceptive	ADJ
easat-1102	213	5	advertisements	advertisement	NOUN
easat-1102	213	6	,	,	PUNCT
easat-1102	213	7	phone	phone	NOUN
easat-1102	213	8	calls	call	NOUN
easat-1102	213	9	,	,	PUNCT
easat-1102	213	10	and	and	CCONJ
easat-1102	213	11	text	text	VERB
easat-1102	213	12	messages	message	NOUN
easat-1102	213	13	to	to	PART
easat-1102	213	14	obtain	obtain	VERB
easat-1102	213	15	funds	fund	NOUN
easat-1102	213	16	illegally	illegally	ADV
easat-1102	213	17	.	.	PUNCT
easat-1102	214	1	effective	effective	ADJ
easat-1102	214	2	internal	internal	ADJ
easat-1102	214	3	controls	control	NOUN
easat-1102	214	4	are	be	AUX
easat-1102	214	5	necessary	necessary	ADJ
easat-1102	214	6	for	for	SCONJ
easat-1102	214	7	mobile	mobile	ADJ
easat-1102	214	8	money	money	NOUN
easat-1102	214	9	carriers	carrier	NOUN
easat-1102	214	10	to	to	PART
easat-1102	214	11	prevent	prevent	VERB
easat-1102	214	12	fraud	fraud	NOUN
easat-1102	214	13	[	[	X
easat-1102	214	14	7	7	NUM
easat-1102	214	15	]	]	PUNCT
easat-1102	214	16	.	.	PUNCT
easat-1102	215	1	increasing	increase	VERB
easat-1102	215	2	savings	saving	NOUN
easat-1102	215	3	rates	rate	NOUN
easat-1102	215	4	enhances	enhance	VERB
easat-1102	215	5	economic	economic	ADJ
easat-1102	215	6	growth	growth	NOUN
easat-1102	215	7	[	[	X
easat-1102	215	8	6	6	NUM
easat-1102	215	9	]	]	PUNCT
easat-1102	215	10	.	.	PUNCT
easat-1102	216	1	savings	saving	NOUN
easat-1102	216	2	accounts	account	NOUN
easat-1102	216	3	are	be	AUX
easat-1102	216	4	not	not	PART
easat-1102	216	5	accessible	accessible	ADJ
easat-1102	216	6	in	in	ADP
easat-1102	216	7	underdeveloped	underdeveloped	ADJ
easat-1102	216	8	countries	country	NOUN
easat-1102	216	9	because	because	SCONJ
easat-1102	216	10	of	of	ADP
easat-1102	216	11	poor	poor	ADJ
easat-1102	216	12	banking	banking	NOUN
easat-1102	216	13	infrastructure	infrastructure	NOUN
easat-1102	216	14	,	,	PUNCT
easat-1102	216	15	elevated	elevated	ADJ
easat-1102	216	16	transaction	transaction	NOUN
easat-1102	216	17	expenses	expense	NOUN
easat-1102	216	18	,	,	PUNCT
easat-1102	216	19	financial	financial	ADJ
easat-1102	216	20	illiteracy	illiteracy	NOUN
easat-1102	216	21	,	,	PUNCT
easat-1102	216	22	and	and	CCONJ
easat-1102	216	23	a	a	DET
easat-1102	216	24	lack	lack	NOUN
easat-1102	216	25	of	of	ADP
easat-1102	216	26	information	information	NOUN
easat-1102	216	27	.	.	PUNCT
easat-1102	217	1	for	for	ADP
easat-1102	217	2	financial	financial	ADJ
easat-1102	217	3	endeavors	endeavor	NOUN
easat-1102	217	4	,	,	PUNCT
easat-1102	217	5	rural	rural	ADJ
easat-1102	217	6	populations	population	NOUN
easat-1102	217	7	with	with	ADP
easat-1102	217	8	low	low	ADJ
easat-1102	217	9	income	income	NOUN
easat-1102	217	10	and	and	CCONJ
easat-1102	217	11	no	no	DET
easat-1102	217	12	access	access	NOUN
easat-1102	217	13	to	to	ADP
easat-1102	217	14	banking	banking	NOUN
easat-1102	217	15	services	service	NOUN
easat-1102	217	16	rely	rely	VERB
easat-1102	217	17	on	on	ADP
easat-1102	217	18	microfinance	microfinance	NOUN
easat-1102	217	19	and	and	CCONJ
easat-1102	217	20	informal	informal	ADJ
easat-1102	217	21	finance	finance	NOUN
easat-1102	217	22	.	.	PUNCT
easat-1102	218	1	microfinance	microfinance	NOUN
easat-1102	218	2	institutions	institution	NOUN
easat-1102	218	3	offer	offer	VERB
easat-1102	218	4	essential	essential	ADJ
easat-1102	218	5	financial	financial	ADJ
easat-1102	218	6	services	service	NOUN
easat-1102	218	7	to	to	ADP
easat-1102	218	8	marginalized	marginalize	VERB
easat-1102	218	9	individuals	individual	NOUN
easat-1102	218	10	,	,	PUNCT
easat-1102	218	11	but	but	CCONJ
easat-1102	218	12	their	their	PRON
easat-1102	218	13	significant	significant	ADJ
easat-1102	218	14	operational	operational	ADJ
easat-1102	218	15	expenses	expense	NOUN
easat-1102	218	16	lead	lead	VERB
easat-1102	218	17	to	to	ADP
easat-1102	218	18	elevated	elevated	ADJ
easat-1102	218	19	transaction	transaction	NOUN
easat-1102	218	20	costs	cost	NOUN
easat-1102	218	21	.	.	PUNCT
easat-1102	219	1	2.6	2.6	NUM
easat-1102	219	2	.	.	PUNCT
easat-1102	219	3	proposed	propose	VERB
easat-1102	219	4	adoption	adoption	PROPN
easat-1102	219	5	ais	ais	PROPN
easat-1102	219	6	model	model	NOUN
easat-1102	219	7	the	the	DET
easat-1102	219	8	model	model	NOUN
easat-1102	219	9	was	be	AUX
easat-1102	219	10	created	create	VERB
easat-1102	219	11	using	use	VERB
easat-1102	219	12	established	establish	VERB
easat-1102	219	13	criteria	criterion	NOUN
easat-1102	219	14	that	that	PRON
easat-1102	219	15	impact	impact	VERB
easat-1102	219	16	the	the	DET
easat-1102	219	17	attitudes	attitude	NOUN
easat-1102	219	18	of	of	ADP
easat-1102	219	19	mobile	mobile	ADJ
easat-1102	219	20	money	money	NOUN
easat-1102	219	21	service	service	NOUN
easat-1102	219	22	consumers	consumer	NOUN
easat-1102	219	23	.	.	PUNCT
easat-1102	220	1	these	these	PRON
easat-1102	220	2	are	be	AUX
easat-1102	220	3	the	the	DET
easat-1102	220	4	benefits	benefit	NOUN
easat-1102	220	5	and	and	CCONJ
easat-1102	220	6	challenges	challenge	NOUN
easat-1102	220	7	of	of	ADP
easat-1102	220	8	mobile	mobile	ADJ
easat-1102	220	9	money	money	NOUN
easat-1102	220	10	system	system	NOUN
easat-1102	220	11	.	.	PUNCT
easat-1102	221	1	figure	figure	NOUN
easat-1102	221	2	1	1	NUM
easat-1102	221	3	depicts	depict	VERB
easat-1102	221	4	the	the	DET
easat-1102	221	5	model	model	NOUN
easat-1102	221	6	's	's	PART
easat-1102	221	7	conceptual	conceptual	ADJ
easat-1102	221	8	framework	framework	NOUN
easat-1102	221	9	.	.	PUNCT
easat-1102	222	1	figure	figure	NOUN
easat-1102	222	2	1	1	NUM
easat-1102	222	3	.	.	PUNCT
easat-1102	222	4	proposed	propose	VERB
easat-1102	222	5	model	model	NOUN
easat-1102	222	6	.	.	PUNCT
easat-1102	223	1	62	62	NUM
easat-1102	223	2	edelweiss	edelweiss	PROPN
easat-1102	223	3	applied	apply	VERB
easat-1102	223	4	science	science	NOUN
easat-1102	223	5	and	and	CCONJ
easat-1102	223	6	technology	technology	NOUN
easat-1102	223	7	issn	issn	PROPN
easat-1102	223	8	:	:	PUNCT
easat-1102	223	9	2576	2576	NUM
easat-1102	223	10	-	-	SYM
easat-1102	223	11	8484	8484	NUM
easat-1102	223	12	vol	vol	NOUN
easat-1102	223	13	.	.	PROPN
easat-1102	223	14	8	8	NUM
easat-1102	223	15	,	,	PUNCT
easat-1102	223	16	no	no	INTJ
easat-1102	223	17	.	.	NOUN
easat-1102	224	1	4	4	NUM
easat-1102	224	2	:	:	SYM
easat-1102	224	3	56	56	NUM
easat-1102	224	4	-	-	SYM
easat-1102	224	5	69	69	NUM
easat-1102	224	6	,	,	PUNCT
easat-1102	224	7	2024	2024	NUM
easat-1102	224	8	doi	doi	NOUN
easat-1102	224	9	:	:	PUNCT
easat-1102	224	10	10.55214/25768484.v8i4.1102	10.55214/25768484.v8i4.1102	NUM
easat-1102	224	11	©	©	ADP
easat-1102	224	12	2024	2024	NUM
easat-1102	224	13	by	by	ADP
easat-1102	224	14	the	the	DET
easat-1102	224	15	authors	author	NOUN
easat-1102	224	16	;	;	PUNCT
easat-1102	224	17	licensee	licensee	PROPN
easat-1102	224	18	learning	learning	NOUN
easat-1102	224	19	gate	gate	NOUN
easat-1102	224	20	2.7	2.7	NUM
easat-1102	224	21	.	.	PUNCT
easat-1102	225	1	research	research	NOUN
easat-1102	225	2	hypothesis	hypothesis	NOUN
easat-1102	225	3	development	development	NOUN
easat-1102	225	4	valid	valid	ADJ
easat-1102	225	5	research	research	NOUN
easat-1102	225	6	necessitates	necessitate	VERB
easat-1102	225	7	the	the	DET
easat-1102	225	8	testing	testing	NOUN
easat-1102	225	9	of	of	ADP
easat-1102	225	10	hypotheses	hypothesis	NOUN
easat-1102	225	11	.	.	PUNCT
easat-1102	226	1	well	well	ADV
easat-1102	226	2	-	-	PUNCT
easat-1102	226	3	thought	think	VERB
easat-1102	226	4	-	-	PUNCT
easat-1102	226	5	out	out	ADP
easat-1102	226	6	hypotheses	hypothesis	NOUN
easat-1102	226	7	are	be	AUX
easat-1102	226	8	crucial	crucial	ADJ
easat-1102	226	9	.	.	PUNCT
easat-1102	227	1	every	every	DET
easat-1102	227	2	study	study	NOUN
easat-1102	227	3	's	's	PART
easat-1102	227	4	purpose	purpose	NOUN
easat-1102	227	5	must	must	AUX
easat-1102	227	6	be	be	AUX
easat-1102	227	7	an	an	DET
easat-1102	227	8	essential	essential	ADJ
easat-1102	227	9	part	part	NOUN
easat-1102	227	10	of	of	ADP
easat-1102	227	11	its	its	PRON
easat-1102	227	12	design	design	NOUN
easat-1102	227	13	.	.	PUNCT
easat-1102	228	1	develop	develop	VERB
easat-1102	228	2	an	an	DET
easat-1102	228	3	objective	objective	ADJ
easat-1102	228	4	theory	theory	NOUN
easat-1102	228	5	,	,	PUNCT
easat-1102	228	6	and	and	CCONJ
easat-1102	228	7	then	then	ADV
easat-1102	228	8	experiment	experiment	VERB
easat-1102	228	9	with	with	ADP
easat-1102	228	10	a	a	DET
easat-1102	228	11	hypothesis	hypothesis	NOUN
easat-1102	228	12	.	.	PUNCT
easat-1102	229	1	based	base	VERB
easat-1102	229	2	on	on	ADP
easat-1102	229	3	the	the	DET
easat-1102	229	4	studied	study	VERB
easat-1102	229	5	literature	literature	NOUN
easat-1102	229	6	,	,	PUNCT
easat-1102	229	7	the	the	DET
easat-1102	229	8	study	study	NOUN
easat-1102	229	9	will	will	AUX
easat-1102	229	10	derive	derive	VERB
easat-1102	229	11	its	its	PRON
easat-1102	229	12	hypotheses	hypothesis	NOUN
easat-1102	229	13	from	from	ADP
easat-1102	229	14	variables	variable	NOUN
easat-1102	229	15	that	that	PRON
easat-1102	229	16	influence	influence	VERB
easat-1102	229	17	the	the	DET
easat-1102	229	18	advantages	advantage	NOUN
easat-1102	229	19	and	and	CCONJ
easat-1102	229	20	disadvantages	disadvantage	NOUN
easat-1102	229	21	of	of	ADP
easat-1102	229	22	mobile	mobile	ADJ
easat-1102	229	23	money	money	NOUN
easat-1102	229	24	.	.	PUNCT
easat-1102	230	1	2.8	2.8	NUM
easat-1102	230	2	.	.	PUNCT
easat-1102	230	3	benefits	benefit	NOUN
easat-1102	230	4	of	of	ADP
easat-1102	230	5	mobile	mobile	ADJ
easat-1102	230	6	money	money	NOUN
easat-1102	230	7	system	system	NOUN
easat-1102	230	8	mobile	mobile	ADJ
easat-1102	230	9	money	money	NOUN
easat-1102	230	10	in	in	ADP
easat-1102	230	11	kenya	kenya	PROPN
easat-1102	230	12	is	be	AUX
easat-1102	230	13	popular	popular	ADJ
easat-1102	230	14	due	due	ADP
easat-1102	230	15	to	to	ADP
easat-1102	230	16	its	its	PRON
easat-1102	230	17	ability	ability	NOUN
easat-1102	230	18	to	to	PART
easat-1102	230	19	lower	lower	VERB
easat-1102	230	20	transaction	transaction	NOUN
easat-1102	230	21	costs	cost	NOUN
easat-1102	230	22	and	and	CCONJ
easat-1102	230	23	facilitate	facilitate	VERB
easat-1102	230	24	transfers	transfer	NOUN
easat-1102	230	25	[	[	X
easat-1102	230	26	6	6	NUM
easat-1102	230	27	]	]	PUNCT
easat-1102	230	28	.	.	PUNCT
easat-1102	231	1	they	they	PRON
easat-1102	231	2	also	also	ADV
easat-1102	231	3	offer	offer	VERB
easat-1102	231	4	secure	secure	ADJ
easat-1102	231	5	savings	saving	NOUN
easat-1102	231	6	accounts	account	NOUN
easat-1102	231	7	and	and	CCONJ
easat-1102	231	8	online	online	ADJ
easat-1102	231	9	banking	banking	NOUN
easat-1102	231	10	services	service	NOUN
easat-1102	231	11	.	.	PUNCT
easat-1102	232	1	telecommunication	telecommunication	NOUN
easat-1102	232	2	companies	company	NOUN
easat-1102	232	3	and	and	CCONJ
easat-1102	232	4	financial	financial	ADJ
easat-1102	232	5	institutions	institution	NOUN
easat-1102	232	6	provide	provide	VERB
easat-1102	232	7	mobile	mobile	ADJ
easat-1102	232	8	banking	banking	NOUN
easat-1102	232	9	services	service	NOUN
easat-1102	232	10	to	to	ADP
easat-1102	232	11	individuals	individual	NOUN
easat-1102	232	12	across	across	ADP
easat-1102	232	13	all	all	DET
easat-1102	232	14	income	income	NOUN
easat-1102	232	15	brackets	bracket	NOUN
easat-1102	232	16	.	.	PUNCT
easat-1102	233	1	mobile	mobile	ADJ
easat-1102	233	2	money	money	NOUN
easat-1102	233	3	services	service	NOUN
easat-1102	233	4	have	have	AUX
easat-1102	233	5	enhanced	enhance	VERB
easat-1102	233	6	financial	financial	ADJ
easat-1102	233	7	inclusion	inclusion	NOUN
easat-1102	233	8	for	for	ADP
easat-1102	233	9	low	low	ADJ
easat-1102	233	10	-	-	PUNCT
easat-1102	233	11	income	income	NOUN
easat-1102	233	12	groups	group	NOUN
easat-1102	233	13	,	,	PUNCT
easat-1102	233	14	particularly	particularly	ADV
easat-1102	233	15	in	in	ADP
easat-1102	233	16	subsaharan	subsaharan	PROPN
easat-1102	233	17	africa	africa	PROPN
easat-1102	233	18	.	.	PUNCT
easat-1102	234	1	mobile	mobile	ADJ
easat-1102	234	2	money	money	NOUN
easat-1102	234	3	operates	operate	VERB
easat-1102	234	4	in	in	ADP
easat-1102	234	5	nations	nation	NOUN
easat-1102	234	6	where	where	SCONJ
easat-1102	234	7	less	less	ADJ
easat-1102	234	8	than	than	ADP
easat-1102	234	9	one	one	NUM
easat-1102	234	10	-	-	PUNCT
easat-1102	234	11	third	third	NOUN
easat-1102	234	12	of	of	ADP
easat-1102	234	13	the	the	DET
easat-1102	234	14	population	population	NOUN
easat-1102	234	15	possesses	possess	VERB
easat-1102	234	16	a	a	DET
easat-1102	234	17	bank	bank	NOUN
easat-1102	234	18	account	account	NOUN
easat-1102	234	19	,	,	PUNCT
easat-1102	234	20	allowing	allow	VERB
easat-1102	234	21	users	user	NOUN
easat-1102	234	22	to	to	PART
easat-1102	234	23	deposit	deposit	VERB
easat-1102	234	24	,	,	PUNCT
easat-1102	234	25	transfer	transfer	NOUN
easat-1102	234	26	,	,	PUNCT
easat-1102	234	27	and	and	CCONJ
easat-1102	234	28	withdraw	withdraw	VERB
easat-1102	234	29	funds	fund	NOUN
easat-1102	234	30	.	.	PUNCT
easat-1102	235	1	it	it	PRON
easat-1102	235	2	enhances	enhance	VERB
easat-1102	235	3	speed	speed	NOUN
easat-1102	235	4	,	,	PUNCT
easat-1102	235	5	security	security	NOUN
easat-1102	235	6	,	,	PUNCT
easat-1102	235	7	and	and	CCONJ
easat-1102	235	8	convenience	convenience	NOUN
easat-1102	235	9	while	while	SCONJ
easat-1102	235	10	reducing	reduce	VERB
easat-1102	235	11	transaction	transaction	NOUN
easat-1102	235	12	expenses	expense	NOUN
easat-1102	235	13	.	.	PUNCT
easat-1102	236	1	mobile	mobile	ADJ
easat-1102	236	2	money	money	NOUN
easat-1102	236	3	facilitates	facilitate	VERB
easat-1102	236	4	aid	aid	NOUN
easat-1102	236	5	distribution	distribution	NOUN
easat-1102	236	6	,	,	PUNCT
easat-1102	236	7	salary	salary	NOUN
easat-1102	236	8	payments	payment	NOUN
easat-1102	236	9	,	,	PUNCT
easat-1102	236	10	and	and	CCONJ
easat-1102	236	11	transactions	transaction	NOUN
easat-1102	236	12	in	in	ADP
easat-1102	236	13	volatile	volatile	ADJ
easat-1102	236	14	environments	environment	NOUN
easat-1102	236	15	.	.	PUNCT
easat-1102	237	1	individuals	individual	NOUN
easat-1102	237	2	without	without	ADP
easat-1102	237	3	bank	bank	NOUN
easat-1102	237	4	accounts	account	NOUN
easat-1102	237	5	can	can	AUX
easat-1102	237	6	instantly	instantly	ADV
easat-1102	237	7	monitor	monitor	VERB
easat-1102	237	8	their	their	PRON
easat-1102	237	9	financial	financial	ADJ
easat-1102	237	10	transactions	transaction	NOUN
easat-1102	237	11	with	with	ADP
easat-1102	237	12	mobile	mobile	ADJ
easat-1102	237	13	money	money	NOUN
easat-1102	237	14	,	,	PUNCT
easat-1102	237	15	which	which	PRON
easat-1102	237	16	eliminates	eliminate	VERB
easat-1102	237	17	the	the	DET
easat-1102	237	18	information	information	NOUN
easat-1102	237	19	imbalance	imbalance	NOUN
easat-1102	237	20	that	that	PRON
easat-1102	237	21	conventional	conventional	ADJ
easat-1102	237	22	institutions	institution	NOUN
easat-1102	237	23	impose	impose	VERB
easat-1102	237	24	.	.	PUNCT
easat-1102	238	1	it	it	PRON
easat-1102	238	2	has	have	VERB
easat-1102	238	3	the	the	DET
easat-1102	238	4	potential	potential	NOUN
easat-1102	238	5	to	to	PART
easat-1102	238	6	boost	boost	VERB
easat-1102	238	7	tax	tax	NOUN
easat-1102	238	8	revenue	revenue	NOUN
easat-1102	238	9	and	and	CCONJ
easat-1102	238	10	improve	improve	VERB
easat-1102	238	11	credit	credit	NOUN
easat-1102	238	12	scores	score	NOUN
easat-1102	238	13	.	.	PUNCT
easat-1102	239	1	with	with	ADP
easat-1102	239	2	mobile	mobile	ADJ
easat-1102	239	3	money	money	NOUN
easat-1102	239	4	,	,	PUNCT
easat-1102	239	5	monitoring	monitor	VERB
easat-1102	239	6	international	international	ADJ
easat-1102	239	7	transactions	transaction	NOUN
easat-1102	239	8	and	and	CCONJ
easat-1102	239	9	detecting	detect	VERB
easat-1102	239	10	money	money	NOUN
easat-1102	239	11	laundering	laundering	NOUN
easat-1102	239	12	should	should	AUX
easat-1102	239	13	be	be	AUX
easat-1102	239	14	more	more	ADV
easat-1102	239	15	efficient	efficient	ADJ
easat-1102	239	16	.	.	PUNCT
easat-1102	240	1	this	this	PRON
easat-1102	240	2	decreases	decrease	VERB
easat-1102	240	3	domestic	domestic	ADJ
easat-1102	240	4	transfer	transfer	NOUN
easat-1102	240	5	expenses	expense	NOUN
easat-1102	240	6	and	and	CCONJ
easat-1102	240	7	enhances	enhance	VERB
easat-1102	240	8	informal	informal	ADJ
easat-1102	240	9	network	network	NOUN
easat-1102	240	10	risk	risk	NOUN
easat-1102	240	11	-	-	PUNCT
easat-1102	240	12	sharing	sharing	NOUN
easat-1102	240	13	[	[	X
easat-1102	240	14	9	9	NUM
easat-1102	240	15	]	]	PUNCT
easat-1102	240	16	.	.	PUNCT
easat-1102	241	1	therefore	therefore	ADV
easat-1102	241	2	,	,	PUNCT
easat-1102	241	3	our	our	PRON
easat-1102	241	4	hypothesis	hypothesis	NOUN
easat-1102	241	5	:	:	PUNCT
easat-1102	241	6	hypothesis	hypothesis	NOUN
easat-1102	241	7	1	1	NUM
easat-1102	241	8	:	:	PUNCT
easat-1102	241	9	the	the	DET
easat-1102	241	10	benefits	benefit	NOUN
easat-1102	241	11	(	(	PUNCT
easat-1102	241	12	bf	bf	NOUN
easat-1102	241	13	)	)	PUNCT
easat-1102	241	14	of	of	ADP
easat-1102	241	15	mobile	mobile	ADJ
easat-1102	241	16	money	money	NOUN
easat-1102	241	17	systems	system	NOUN
easat-1102	241	18	will	will	AUX
easat-1102	241	19	positively	positively	ADV
easat-1102	241	20	influence	influence	VERB
easat-1102	241	21	service	service	NOUN
easat-1102	241	22	users	user	NOUN
easat-1102	241	23	’	’	PART
easat-1102	241	24	opinions	opinion	NOUN
easat-1102	241	25	(	(	PUNCT
easat-1102	241	26	suo	suo	PROPN
easat-1102	241	27	)	)	PUNCT
easat-1102	241	28	.	.	PUNCT
easat-1102	242	1	2.9	2.9	NUM
easat-1102	242	2	.	.	PUNCT
easat-1102	242	3	challenges	challenge	NOUN
easat-1102	242	4	associated	associate	VERB
easat-1102	242	5	with	with	ADP
easat-1102	242	6	the	the	DET
easat-1102	242	7	system	system	NOUN
easat-1102	242	8	improved	improve	VERB
easat-1102	242	9	infrastructure	infrastructure	NOUN
easat-1102	242	10	leads	lead	VERB
easat-1102	242	11	to	to	ADP
easat-1102	242	12	increased	increase	VERB
easat-1102	242	13	mobile	mobile	ADJ
easat-1102	242	14	phone	phone	NOUN
easat-1102	242	15	usage	usage	NOUN
easat-1102	242	16	,	,	PUNCT
easat-1102	242	17	but	but	CCONJ
easat-1102	242	18	hampers	hamper	VERB
easat-1102	242	19	mobile	mobile	ADJ
easat-1102	242	20	financial	financial	ADJ
easat-1102	242	21	transactions	transaction	NOUN
easat-1102	242	22	due	due	ADP
easat-1102	242	23	to	to	ADP
easat-1102	242	24	development	development	NOUN
easat-1102	242	25	challenges	challenge	NOUN
easat-1102	242	26	.	.	PUNCT
easat-1102	243	1	sub	sub	ADJ
easat-1102	243	2	-	-	ADJ
easat-1102	243	3	saharan	saharan	ADJ
easat-1102	243	4	africa	africa	PROPN
easat-1102	243	5	relies	rely	VERB
easat-1102	243	6	on	on	ADP
easat-1102	243	7	mobile	mobile	ADJ
easat-1102	243	8	phones	phone	NOUN
easat-1102	243	9	for	for	ADP
easat-1102	243	10	voice	voice	NOUN
easat-1102	243	11	calls	call	NOUN
easat-1102	243	12	and	and	CCONJ
easat-1102	243	13	internet	internet	NOUN
easat-1102	243	14	access	access	NOUN
easat-1102	243	15	due	due	ADP
easat-1102	243	16	to	to	ADP
easat-1102	243	17	the	the	DET
easat-1102	243	18	absence	absence	NOUN
easat-1102	243	19	of	of	ADP
easat-1102	243	20	fixed	fix	VERB
easat-1102	243	21	-	-	PUNCT
easat-1102	243	22	line	line	NOUN
easat-1102	243	23	infrastructure	infrastructure	NOUN
easat-1102	243	24	.	.	PUNCT
easat-1102	244	1	remote	remote	ADJ
easat-1102	244	2	consumers	consumer	NOUN
easat-1102	244	3	lack	lack	VERB
easat-1102	244	4	essential	essential	ADJ
easat-1102	244	5	infrastructure	infrastructure	NOUN
easat-1102	244	6	and	and	CCONJ
easat-1102	244	7	services	service	NOUN
easat-1102	244	8	,	,	PUNCT
easat-1102	244	9	but	but	CCONJ
easat-1102	244	10	prepaid	prepaid	ADJ
easat-1102	244	11	mobile	mobile	ADJ
easat-1102	244	12	services	service	NOUN
easat-1102	244	13	have	have	AUX
easat-1102	244	14	led	lead	VERB
easat-1102	244	15	to	to	ADP
easat-1102	244	16	an	an	DET
easat-1102	244	17	increase	increase	NOUN
easat-1102	244	18	in	in	ADP
easat-1102	244	19	mobile	mobile	ADJ
easat-1102	244	20	subscribers	subscriber	NOUN
easat-1102	244	21	.	.	PUNCT
easat-1102	245	1	mobile	mobile	ADJ
easat-1102	245	2	money	money	NOUN
easat-1102	245	3	systems	system	NOUN
easat-1102	245	4	are	be	AUX
easat-1102	245	5	vulnerable	vulnerable	ADJ
easat-1102	245	6	to	to	ADP
easat-1102	245	7	identity	identity	NOUN
easat-1102	245	8	theft	theft	NOUN
easat-1102	245	9	,	,	PUNCT
easat-1102	245	10	authentication	authentication	NOUN
easat-1102	245	11	assaults	assault	NOUN
easat-1102	245	12	,	,	PUNCT
easat-1102	245	13	and	and	CCONJ
easat-1102	245	14	ussd	ussd	ADJ
easat-1102	245	15	vulnerabilities	vulnerability	NOUN
easat-1102	245	16	.	.	PUNCT
easat-1102	246	1	agent	agent	NOUN
easat-1102	246	2	-	-	PUNCT
easat-1102	246	3	driven	drive	VERB
easat-1102	246	4	fraud	fraud	NOUN
easat-1102	246	5	is	be	AUX
easat-1102	246	6	prevalent	prevalent	ADJ
easat-1102	246	7	in	in	ADP
easat-1102	246	8	mobile	mobile	ADJ
easat-1102	246	9	money	money	NOUN
easat-1102	246	10	transactions	transaction	NOUN
easat-1102	246	11	[	[	X
easat-1102	246	12	1	1	NUM
easat-1102	246	13	,	,	PUNCT
easat-1102	246	14	2	2	NUM
easat-1102	246	15	]	]	PUNCT
easat-1102	246	16	.	.	PUNCT
easat-1102	247	1	scammers	scammer	NOUN
easat-1102	247	2	exploit	exploit	VERB
easat-1102	247	3	system	system	NOUN
easat-1102	247	4	fraud	fraud	NOUN
easat-1102	247	5	without	without	ADP
easat-1102	247	6	using	use	VERB
easat-1102	247	7	complex	complex	ADJ
easat-1102	247	8	algorithms	algorithm	NOUN
easat-1102	247	9	.	.	PUNCT
easat-1102	248	1	less	less	ADJ
easat-1102	248	2	developed	develop	VERB
easat-1102	248	3	countries	country	NOUN
easat-1102	248	4	lack	lack	VERB
easat-1102	248	5	formal	formal	ADJ
easat-1102	248	6	financial	financial	ADJ
easat-1102	248	7	services	service	NOUN
easat-1102	248	8	due	due	ADJ
easat-1102	248	9	to	to	ADP
easat-1102	248	10	insufficient	insufficient	ADJ
easat-1102	248	11	banking	banking	NOUN
easat-1102	248	12	infrastructure	infrastructure	NOUN
easat-1102	248	13	,	,	PUNCT
easat-1102	248	14	high	high	ADJ
easat-1102	248	15	transaction	transaction	NOUN
easat-1102	248	16	costs	cost	NOUN
easat-1102	248	17	,	,	PUNCT
easat-1102	248	18	financial	financial	ADJ
easat-1102	248	19	illiteracy	illiteracy	NOUN
easat-1102	248	20	,	,	PUNCT
easat-1102	248	21	and	and	CCONJ
easat-1102	248	22	a	a	DET
easat-1102	248	23	lack	lack	NOUN
easat-1102	248	24	of	of	ADP
easat-1102	248	25	knowledge	knowledge	NOUN
easat-1102	248	26	.	.	PUNCT
easat-1102	249	1	references	reference	NOUN
easat-1102	249	2	singh	singh	PROPN
easat-1102	249	3	and	and	CCONJ
easat-1102	249	4	sinha	sinha	NOUN
easat-1102	249	5	[	[	X
easat-1102	249	6	6	6	NUM
easat-1102	249	7	]	]	PUNCT
easat-1102	249	8	and	and	CCONJ
easat-1102	249	9	akomea	akomea	PROPN
easat-1102	249	10	-	-	PUNCT
easat-1102	249	11	frimpong	frimpong	PROPN
easat-1102	249	12	,	,	PUNCT
easat-1102	249	13	et	et	PROPN
easat-1102	249	14	al	al	PROPN
easat-1102	249	15	.	.	PUNCT
easat-1102	250	1	[	[	X
easat-1102	250	2	7	7	X
easat-1102	250	3	]	]	PUNCT
easat-1102	250	4	highlight	highlight	NOUN
easat-1102	250	5	that	that	PRON
easat-1102	250	6	microfinance	microfinance	NOUN
easat-1102	250	7	and	and	CCONJ
easat-1102	250	8	informal	informal	ADJ
easat-1102	250	9	financial	financial	ADJ
easat-1102	250	10	institutions	institution	NOUN
easat-1102	250	11	incur	incur	VERB
easat-1102	250	12	substantial	substantial	ADJ
easat-1102	250	13	operational	operational	ADJ
easat-1102	250	14	expenses	expense	NOUN
easat-1102	250	15	,	,	PUNCT
easat-1102	250	16	resulting	result	VERB
easat-1102	250	17	in	in	ADP
easat-1102	250	18	higher	high	ADJ
easat-1102	250	19	transaction	transaction	NOUN
easat-1102	250	20	costs	cost	NOUN
easat-1102	250	21	for	for	ADP
easat-1102	250	22	individuals	individual	NOUN
easat-1102	250	23	without	without	ADP
easat-1102	250	24	access	access	NOUN
easat-1102	250	25	to	to	ADP
easat-1102	250	26	traditional	traditional	ADJ
easat-1102	250	27	banking	banking	NOUN
easat-1102	250	28	services	service	NOUN
easat-1102	250	29	.	.	PUNCT
easat-1102	251	1	researchers	researcher	NOUN
easat-1102	251	2	provide	provide	VERB
easat-1102	251	3	the	the	DET
easat-1102	251	4	following	follow	VERB
easat-1102	251	5	hypothesis	hypothesis	NOUN
easat-1102	251	6	:	:	PUNCT
easat-1102	251	7	hypothesis	hypothesis	NOUN
easat-1102	251	8	2	2	NUM
easat-1102	251	9	:	:	PUNCT
easat-1102	251	10	challenges	challenge	NOUN
easat-1102	251	11	(	(	PUNCT
easat-1102	251	12	c	c	X
easat-1102	251	13	)	)	PUNCT
easat-1102	251	14	associated	associate	VERB
easat-1102	251	15	with	with	ADP
easat-1102	251	16	mobile	mobile	ADJ
easat-1102	251	17	money	money	NOUN
easat-1102	251	18	systems	system	NOUN
easat-1102	251	19	will	will	AUX
easat-1102	251	20	negatively	negatively	ADV
easat-1102	251	21	influence	influence	VERB
easat-1102	251	22	service	service	NOUN
easat-1102	251	23	users	user	NOUN
easat-1102	251	24	’	’	PART
easat-1102	251	25	opinions	opinion	NOUN
easat-1102	251	26	(	(	PUNCT
easat-1102	251	27	suo	suo	PROPN
easat-1102	251	28	)	)	PUNCT
easat-1102	251	29	.	.	PUNCT
easat-1102	252	1	3	3	X
easat-1102	252	2	.	.	X
easat-1102	252	3	methodology	methodology	NOUN
easat-1102	252	4	in	in	ADP
easat-1102	252	5	this	this	DET
easat-1102	252	6	work	work	NOUN
easat-1102	252	7	,	,	PUNCT
easat-1102	252	8	the	the	DET
easat-1102	252	9	positivist	positivist	NOUN
easat-1102	252	10	method	method	NOUN
easat-1102	252	11	generalizes	generalize	VERB
easat-1102	252	12	social	social	ADJ
easat-1102	252	13	truths	truth	NOUN
easat-1102	252	14	.	.	PUNCT
easat-1102	253	1	it	it	PRON
easat-1102	253	2	provides	provide	VERB
easat-1102	253	3	projective	projective	ADJ
easat-1102	253	4	knowledge	knowledge	NOUN
easat-1102	253	5	and	and	CCONJ
easat-1102	253	6	verification	verification	NOUN
easat-1102	253	7	without	without	ADP
easat-1102	253	8	human	human	ADJ
easat-1102	253	9	bias	bias	NOUN
easat-1102	253	10	[	[	X
easat-1102	253	11	15	15	NUM
easat-1102	253	12	,	,	PUNCT
easat-1102	253	13	16	16	NUM
easat-1102	253	14	]	]	PUNCT
easat-1102	253	15	allowing	allow	VERB
easat-1102	253	16	the	the	DET
easat-1102	253	17	hypothesis	hypothesis	NOUN
easat-1102	253	18	to	to	PART
easat-1102	253	19	be	be	AUX
easat-1102	253	20	accepted	accept	VERB
easat-1102	253	21	.	.	PUNCT
easat-1102	254	1	as	as	ADP
easat-1102	254	2	a	a	DET
easat-1102	254	3	result	result	NOUN
easat-1102	254	4	,	,	PUNCT
easat-1102	254	5	new	new	ADJ
easat-1102	254	6	ideas	idea	NOUN
easat-1102	254	7	and	and	CCONJ
easat-1102	254	8	research	research	NOUN
easat-1102	254	9	emerge	emerge	VERB
easat-1102	254	10	.	.	PUNCT
easat-1102	255	1	according	accord	VERB
easat-1102	255	2	to	to	ADP
easat-1102	255	3	the	the	DET
easat-1102	255	4	survey	survey	NOUN
easat-1102	255	5	,	,	PUNCT
easat-1102	255	6	mobile	mobile	ADJ
easat-1102	255	7	money	money	NOUN
easat-1102	255	8	services	service	NOUN
easat-1102	255	9	influence	influence	VERB
easat-1102	255	10	customers	customer	NOUN
easat-1102	255	11	in	in	ADP
easat-1102	255	12	bolgatanga	bolgatanga	NOUN
easat-1102	255	13	municipality	municipality	NOUN
easat-1102	255	14	.	.	PUNCT
easat-1102	256	1	past	past	ADJ
easat-1102	256	2	research	research	NOUN
easat-1102	256	3	informed	inform	VERB
easat-1102	256	4	the	the	DET
easat-1102	256	5	study	study	NOUN
easat-1102	256	6	's	's	PART
easat-1102	256	7	questions	question	NOUN
easat-1102	256	8	and	and	CCONJ
easat-1102	256	9	claims	claim	NOUN
easat-1102	256	10	.	.	PUNCT
easat-1102	257	1	research	research	NOUN
easat-1102	257	2	used	use	VERB
easat-1102	257	3	closed	close	VERB
easat-1102	257	4	-	-	PUNCT
easat-1102	257	5	ended	end	VERB
easat-1102	257	6	questions	question	NOUN
easat-1102	257	7	,	,	PUNCT
easat-1102	257	8	statements	statement	NOUN
easat-1102	257	9	,	,	PUNCT
easat-1102	257	10	and	and	CCONJ
easat-1102	257	11	a	a	DET
easat-1102	257	12	5	5	NUM
easat-1102	257	13	-	-	PUNCT
easat-1102	257	14	point	point	NOUN
easat-1102	257	15	likert	likert	ADJ
easat-1102	257	16	scale	scale	NOUN
easat-1102	257	17	.	.	PUNCT
easat-1102	258	1	samples	sample	NOUN
easat-1102	258	2	should	should	AUX
easat-1102	258	3	be	be	AUX
easat-1102	258	4	large	large	ADJ
easat-1102	258	5	enough	enough	ADV
easat-1102	258	6	to	to	PART
easat-1102	258	7	answer	answer	VERB
easat-1102	258	8	the	the	DET
easat-1102	258	9	study	study	NOUN
easat-1102	258	10	issue	issue	NOUN
easat-1102	258	11	and	and	CCONJ
easat-1102	258	12	statistically	statistically	ADV
easat-1102	258	13	representative	representative	ADJ
easat-1102	258	14	[	[	X
easat-1102	258	15	17	17	NUM
easat-1102	258	16	]	]	PUNCT
easat-1102	258	17	.	.	PUNCT
easat-1102	259	1	attributes	attribute	NOUN
easat-1102	259	2	and	and	CCONJ
easat-1102	259	3	accessibility	accessibility	NOUN
easat-1102	259	4	were	be	AUX
easat-1102	259	5	determined	determine	VERB
easat-1102	259	6	using	use	VERB
easat-1102	259	7	a	a	DET
easat-1102	259	8	convenience	convenience	NOUN
easat-1102	259	9	sample	sample	NOUN
easat-1102	259	10	of	of	ADP
easat-1102	259	11	300	300	NUM
easat-1102	259	12	clients	client	NOUN
easat-1102	259	13	.	.	PUNCT
easat-1102	260	1	management	management	NOUN
easat-1102	260	2	and	and	CCONJ
easat-1102	260	3	staff	staff	NOUN
easat-1102	260	4	prepared	prepare	VERB
easat-1102	260	5	the	the	DET
easat-1102	260	6	questionnaire	questionnaire	NOUN
easat-1102	260	7	for	for	SCONJ
easat-1102	260	8	customers	customer	NOUN
easat-1102	260	9	to	to	PART
easat-1102	260	10	complete	complete	VERB
easat-1102	260	11	in	in	ADP
easat-1102	260	12	the	the	DET
easat-1102	260	13	banking	banking	NOUN
easat-1102	260	14	hall	hall	NOUN
easat-1102	260	15	and	and	CCONJ
easat-1102	260	16	at	at	ADP
easat-1102	260	17	various	various	ADJ
easat-1102	260	18	workstations	workstation	NOUN
easat-1102	260	19	.	.	PUNCT
easat-1102	261	1	the	the	DET
easat-1102	261	2	study	study	NOUN
easat-1102	261	3	prefers	prefer	VERB
easat-1102	261	4	the	the	DET
easat-1102	261	5	use	use	NOUN
easat-1102	261	6	of	of	ADP
easat-1102	261	7	pls	pls	INTJ
easat-1102	261	8	sem	sem	PROPN
easat-1102	261	9	for	for	ADP
easat-1102	261	10	analysis	analysis	NOUN
easat-1102	261	11	[	[	X
easat-1102	261	12	18	18	NUM
easat-1102	261	13	]	]	PUNCT
easat-1102	261	14	.	.	PUNCT
easat-1102	262	1	the	the	DET
easat-1102	262	2	instrument	instrument	NOUN
easat-1102	262	3	's	's	PART
easat-1102	262	4	reliability	reliability	NOUN
easat-1102	262	5	pilot	pilot	NOUN
easat-1102	262	6	test	test	NOUN
easat-1102	262	7	was	be	AUX
easat-1102	262	8	time	time	NOUN
easat-1102	262	9	-	-	PUNCT
easat-1102	262	10	constrained	constrain	VERB
easat-1102	262	11	.	.	PUNCT
easat-1102	263	1	researchers	researcher	NOUN
easat-1102	263	2	signed	sign	VERB
easat-1102	263	3	,	,	PUNCT
easat-1102	263	4	updated	update	VERB
easat-1102	263	5	,	,	PUNCT
easat-1102	263	6	and	and	CCONJ
easat-1102	263	7	examined	examine	VERB
easat-1102	263	8	the	the	DET
easat-1102	263	9	questionnaire	questionnaire	NOUN
easat-1102	263	10	.	.	PUNCT
easat-1102	264	1	the	the	DET
easat-1102	264	2	data	datum	NOUN
easat-1102	264	3	was	be	AUX
easat-1102	264	4	coded	code	VERB
easat-1102	264	5	and	and	CCONJ
easat-1102	264	6	reduced	reduce	VERB
easat-1102	264	7	following	follow	VERB
easat-1102	264	8	error	error	NOUN
easat-1102	264	9	removal	removal	NOUN
easat-1102	264	10	.	.	PUNCT
easat-1102	265	1	63	63	NUM
easat-1102	265	2	edelweiss	edelweiss	PROPN
easat-1102	265	3	applied	apply	VERB
easat-1102	265	4	science	science	NOUN
easat-1102	265	5	and	and	CCONJ
easat-1102	265	6	technology	technology	NOUN
easat-1102	265	7	issn	issn	PROPN
easat-1102	265	8	:	:	PUNCT
easat-1102	265	9	2576	2576	NUM
easat-1102	265	10	-	-	SYM
easat-1102	265	11	8484	8484	NUM
easat-1102	265	12	vol	vol	NOUN
easat-1102	265	13	.	.	PROPN
easat-1102	265	14	8	8	NUM
easat-1102	265	15	,	,	PUNCT
easat-1102	265	16	no	no	INTJ
easat-1102	265	17	.	.	NOUN
easat-1102	266	1	4	4	NUM
easat-1102	266	2	:	:	SYM
easat-1102	266	3	56	56	NUM
easat-1102	266	4	-	-	SYM
easat-1102	266	5	69	69	NUM
easat-1102	266	6	,	,	PUNCT
easat-1102	266	7	2024	2024	NUM
easat-1102	266	8	doi	doi	NOUN
easat-1102	266	9	:	:	PUNCT
easat-1102	266	10	10.55214/25768484.v8i4.1102	10.55214/25768484.v8i4.1102	NUM
easat-1102	266	11	©	©	ADP
easat-1102	266	12	2024	2024	NUM
easat-1102	266	13	by	by	ADP
easat-1102	266	14	the	the	DET
easat-1102	266	15	authors	author	NOUN
easat-1102	266	16	;	;	PUNCT
easat-1102	266	17	licensee	licensee	PROPN
easat-1102	266	18	learning	learning	NOUN
easat-1102	266	19	gate	gate	NOUN
easat-1102	266	20	4	4	NUM
easat-1102	266	21	.	.	NOUN
easat-1102	266	22	result	result	NOUN
easat-1102	266	23	and	and	CCONJ
easat-1102	266	24	discussion	discussion	NOUN
easat-1102	266	25	only	only	ADV
easat-1102	266	26	260	260	NUM
easat-1102	266	27	of	of	ADP
easat-1102	266	28	the	the	DET
easat-1102	266	29	300	300	NUM
easat-1102	266	30	surveys	survey	NOUN
easat-1102	266	31	that	that	PRON
easat-1102	266	32	the	the	DET
easat-1102	266	33	researchers	researcher	NOUN
easat-1102	266	34	distributed	distribute	VERB
easat-1102	266	35	to	to	ADP
easat-1102	266	36	clients	client	NOUN
easat-1102	266	37	returned	return	VERB
easat-1102	266	38	,	,	PUNCT
easat-1102	266	39	indicating	indicate	VERB
easat-1102	266	40	an	an	DET
easat-1102	266	41	estimated	estimate	VERB
easat-1102	266	42	87	87	NUM
easat-1102	266	43	%	%	NOUN
easat-1102	266	44	response	response	NOUN
easat-1102	266	45	rate	rate	NOUN
easat-1102	266	46	[	[	X
easat-1102	266	47	19	19	NUM
easat-1102	266	48	]	]	PUNCT
easat-1102	266	49	.	.	PUNCT
easat-1102	267	1	in	in	ADP
easat-1102	267	2	prior	prior	ADJ
easat-1102	267	3	studies	study	NOUN
easat-1102	267	4	,	,	PUNCT
easat-1102	267	5	a	a	DET
easat-1102	267	6	response	response	NOUN
easat-1102	267	7	rate	rate	NOUN
easat-1102	267	8	of	of	ADP
easat-1102	267	9	87	87	NUM
easat-1102	267	10	%	%	NOUN
easat-1102	267	11	was	be	AUX
easat-1102	267	12	considered	consider	VERB
easat-1102	267	13	appropriate	appropriate	ADJ
easat-1102	267	14	for	for	ADP
easat-1102	267	15	statistical	statistical	ADJ
easat-1102	267	16	conclusions	conclusion	NOUN
easat-1102	267	17	.	.	PUNCT
easat-1102	268	1	the	the	DET
easat-1102	268	2	analysis	analysis	NOUN
easat-1102	268	3	uses	use	VERB
easat-1102	268	4	customer	customer	NOUN
easat-1102	268	5	replies	reply	NOUN
easat-1102	268	6	from	from	ADP
easat-1102	268	7	mobile	mobile	ADJ
easat-1102	268	8	money	money	NOUN
easat-1102	268	9	.	.	PUNCT
easat-1102	269	1	this	this	DET
easat-1102	269	2	chapter	chapter	NOUN
easat-1102	269	3	presents	present	VERB
easat-1102	269	4	the	the	DET
easat-1102	269	5	results	result	NOUN
easat-1102	269	6	of	of	ADP
easat-1102	269	7	the	the	DET
easat-1102	269	8	primary	primary	ADJ
easat-1102	269	9	study	study	NOUN
easat-1102	269	10	.	.	PUNCT
easat-1102	270	1	the	the	DET
easat-1102	270	2	chapter	chapter	NOUN
easat-1102	270	3	examines	examine	VERB
easat-1102	270	4	mobile	mobile	ADJ
easat-1102	270	5	money	money	NOUN
easat-1102	270	6	usage	usage	NOUN
easat-1102	270	7	after	after	ADP
easat-1102	270	8	a	a	DET
easat-1102	270	9	thorough	thorough	ADJ
easat-1102	270	10	client	client	NOUN
easat-1102	270	11	analysis	analysis	NOUN
easat-1102	270	12	.	.	PUNCT
easat-1102	271	1	we	we	PRON
easat-1102	271	2	then	then	ADV
easat-1102	271	3	processed	process	VERB
easat-1102	271	4	the	the	DET
easat-1102	271	5	data	datum	NOUN
easat-1102	271	6	using	use	VERB
easat-1102	271	7	pls	pls	NOUN
easat-1102	271	8	-	-	PUNCT
easat-1102	271	9	sem	sem	NOUN
easat-1102	271	10	and	and	CCONJ
easat-1102	271	11	ibm	ibm	PROPN
easat-1102	271	12	spss	spss	PROPN
easat-1102	271	13	statistics	statistic	NOUN
easat-1102	271	14	20	20	NUM
easat-1102	271	15	.	.	PUNCT
easat-1102	272	1	the	the	DET
easat-1102	272	2	second	second	ADJ
easat-1102	272	3	section	section	NOUN
easat-1102	272	4	goes	go	VERB
easat-1102	272	5	over	over	ADP
easat-1102	272	6	the	the	DET
easat-1102	272	7	measuring	measure	VERB
easat-1102	272	8	model	model	NOUN
easat-1102	272	9	's	's	PART
easat-1102	272	10	indicators	indicator	NOUN
easat-1102	272	11	,	,	PUNCT
easat-1102	272	12	which	which	PRON
easat-1102	272	13	include	include	VERB
easat-1102	272	14	construct	construct	NOUN
easat-1102	272	15	,	,	PUNCT
easat-1102	272	16	convergent	convergent	NOUN
easat-1102	272	17	,	,	PUNCT
easat-1102	272	18	and	and	CCONJ
easat-1102	272	19	item	item	NOUN
easat-1102	272	20	-	-	PUNCT
easat-1102	272	21	level	level	NOUN
easat-1102	272	22	discriminant	discriminant	ADJ
easat-1102	272	23	validity	validity	NOUN
easat-1102	272	24	.	.	PUNCT
easat-1102	273	1	we	we	PRON
easat-1102	273	2	discuss	discuss	VERB
easat-1102	273	3	and	and	CCONJ
easat-1102	273	4	compare	compare	VERB
easat-1102	273	5	the	the	DET
easat-1102	273	6	results	result	NOUN
easat-1102	273	7	of	of	ADP
easat-1102	273	8	the	the	DET
easat-1102	273	9	hypothesis	hypothesis	NOUN
easat-1102	273	10	tests	test	NOUN
easat-1102	273	11	.	.	PUNCT
easat-1102	274	1	4.1	4.1	NUM
easat-1102	274	2	.	.	PUNCT
easat-1102	274	3	data	datum	NOUN
easat-1102	274	4	screening	screening	NOUN
easat-1102	274	5	of	of	ADP
easat-1102	274	6	survey	survey	NOUN
easat-1102	274	7	data	datum	NOUN
easat-1102	274	8	screening	screen	VERB
easat-1102	274	9	guarantees	guarantee	VERB
easat-1102	274	10	precise	precise	ADJ
easat-1102	274	11	and	and	CCONJ
easat-1102	274	12	error	error	NOUN
easat-1102	274	13	-	-	PUNCT
easat-1102	274	14	free	free	ADJ
easat-1102	274	15	analysis	analysis	NOUN
easat-1102	274	16	.	.	PUNCT
easat-1102	275	1	identifying	identify	VERB
easat-1102	275	2	false	false	ADJ
easat-1102	275	3	or	or	CCONJ
easat-1102	275	4	careless	careless	ADJ
easat-1102	275	5	assertions	assertion	NOUN
easat-1102	275	6	enhances	enhance	VERB
easat-1102	275	7	the	the	DET
easat-1102	275	8	rigor	rigor	NOUN
easat-1102	275	9	of	of	ADP
easat-1102	275	10	organizational	organizational	ADJ
easat-1102	275	11	science	science	NOUN
easat-1102	275	12	.	.	PUNCT
easat-1102	276	1	validating	validate	VERB
easat-1102	276	2	data	datum	NOUN
easat-1102	276	3	reveals	reveal	NOUN
easat-1102	276	4	incorrectly	incorrectly	ADV
easat-1102	276	5	coded	code	VERB
easat-1102	276	6	missing	missing	ADJ
easat-1102	276	7	values	value	NOUN
easat-1102	276	8	and	and	CCONJ
easat-1102	276	9	responses	response	NOUN
easat-1102	276	10	that	that	PRON
easat-1102	276	11	are	be	AUX
easat-1102	276	12	uncertain	uncertain	ADJ
easat-1102	276	13	.	.	PUNCT
easat-1102	277	1	this	this	DET
easat-1102	277	2	study	study	NOUN
easat-1102	277	3	employed	employ	VERB
easat-1102	277	4	value	value	NOUN
easat-1102	277	5	placement	placement	NOUN
easat-1102	277	6	and	and	CCONJ
easat-1102	277	7	eliminated	eliminate	VERB
easat-1102	277	8	suspicious	suspicious	ADJ
easat-1102	277	9	responses	response	NOUN
easat-1102	277	10	and	and	CCONJ
easat-1102	277	11	outliers	outlier	NOUN
easat-1102	277	12	to	to	PART
easat-1102	277	13	address	address	VERB
easat-1102	277	14	missing	miss	VERB
easat-1102	277	15	data	datum	NOUN
easat-1102	277	16	[	[	X
easat-1102	277	17	20	20	NUM
easat-1102	277	18	]	]	PUNCT
easat-1102	277	19	.	.	PUNCT
easat-1102	278	1	the	the	DET
easat-1102	278	2	normal	normal	ADJ
easat-1102	278	3	distribution	distribution	NOUN
easat-1102	278	4	is	be	AUX
easat-1102	278	5	important	important	ADJ
easat-1102	278	6	in	in	ADP
easat-1102	278	7	pls	pls	NOUN
easat-1102	278	8	-	-	PUNCT
easat-1102	278	9	sem	sem	NOUN
easat-1102	278	10	because	because	SCONJ
easat-1102	278	11	it	it	PRON
easat-1102	278	12	does	do	AUX
easat-1102	278	13	not	not	PART
easat-1102	278	14	assume	assume	VERB
easat-1102	278	15	any	any	DET
easat-1102	278	16	specific	specific	ADJ
easat-1102	278	17	data	datum	NOUN
easat-1102	278	18	distribution	distribution	NOUN
easat-1102	278	19	[	[	X
easat-1102	278	20	21	21	NUM
easat-1102	278	21	]	]	PUNCT
easat-1102	278	22	.	.	PUNCT
easat-1102	279	1	utilize	utilize	VERB
easat-1102	279	2	skewness	skewness	NOUN
easat-1102	279	3	and	and	CCONJ
easat-1102	279	4	kurtosis	kurtosis	NOUN
easat-1102	279	5	for	for	ADP
easat-1102	279	6	evaluating	evaluate	VERB
easat-1102	279	7	variable	variable	ADJ
easat-1102	279	8	symmetry	symmetry	NOUN
easat-1102	279	9	instead	instead	ADV
easat-1102	279	10	of	of	ADP
easat-1102	279	11	kolmogorov	kolmogorov	ADJ
easat-1102	279	12	-	-	PUNCT
easat-1102	279	13	smirnov	smirnov	PROPN
easat-1102	279	14	and	and	CCONJ
easat-1102	279	15	shapiro	shapiro	NOUN
easat-1102	279	16	-	-	PUNCT
easat-1102	279	17	wilk	wilk	NOUN
easat-1102	279	18	tests	test	NOUN
easat-1102	279	19	.	.	PUNCT
easat-1102	280	1	kurtosis	kurtosis	VERB
easat-1102	280	2	quantifies	quantifie	NOUN
easat-1102	280	3	the	the	DET
easat-1102	280	4	symmetry	symmetry	NOUN
easat-1102	280	5	of	of	ADP
easat-1102	280	6	variable	variable	ADJ
easat-1102	280	7	distribution	distribution	NOUN
easat-1102	280	8	,	,	PUNCT
easat-1102	280	9	while	while	SCONJ
easat-1102	280	10	skewness	skewness	NOUN
easat-1102	280	11	quantifies	quantify	VERB
easat-1102	280	12	the	the	DET
easat-1102	280	13	peakness	peakness	NOUN
easat-1102	280	14	.	.	PUNCT
easat-1102	281	1	skewed	skewed	ADJ
easat-1102	281	2	distributions	distribution	NOUN
easat-1102	281	3	exhibit	exhibit	VERB
easat-1102	281	4	skewness	skewness	NOUN
easat-1102	281	5	values	value	NOUN
easat-1102	281	6	exceeding	exceed	VERB
easat-1102	281	7	+1	+1	PROPN
easat-1102	281	8	or	or	CCONJ
easat-1102	281	9	falling	fall	VERB
easat-1102	281	10	below	below	ADP
easat-1102	281	11	-1	-1	PUNCT
easat-1102	282	1	[	[	X
easat-1102	282	2	21	21	NUM
easat-1102	282	3	]	]	PUNCT
easat-1102	282	4	.	.	PUNCT
easat-1102	283	1	the	the	DET
easat-1102	283	2	permitted	permit	VERB
easat-1102	283	3	skewness	skewness	NOUN
easat-1102	283	4	ranges	range	VERB
easat-1102	283	5	from	from	ADP
easat-1102	283	6	-3	-3	PUNCT
easat-1102	283	7	to	to	ADP
easat-1102	283	8	+3	+3	PROPN
easat-1102	283	9	,	,	PUNCT
easat-1102	283	10	and	and	CCONJ
easat-1102	283	11	the	the	DET
easat-1102	283	12	kurtosis	kurtosis	NOUN
easat-1102	283	13	ranges	range	VERB
easat-1102	283	14	from	from	ADP
easat-1102	283	15	-10	-10	PUNCT
easat-1102	283	16	to	to	PART
easat-1102	283	17	+10	+10	VERB
easat-1102	283	18	[	[	X
easat-1102	283	19	22	22	NUM
easat-1102	283	20	]	]	PUNCT
easat-1102	283	21	.	.	PUNCT
easat-1102	284	1	it	it	PRON
easat-1102	284	2	is	be	AUX
easat-1102	284	3	suggested	suggest	VERB
easat-1102	284	4	to	to	PART
easat-1102	284	5	use	use	VERB
easat-1102	284	6	skewness	skewness	NOUN
easat-1102	284	7	and	and	CCONJ
easat-1102	284	8	kurtosis	kurtosis	NOUN
easat-1102	284	9	without	without	ADP
easat-1102	284	10	specifying	specify	VERB
easat-1102	284	11	a	a	DET
easat-1102	284	12	range	range	NOUN
easat-1102	284	13	[	[	X
easat-1102	284	14	23	23	NUM
easat-1102	284	15	]	]	PUNCT
easat-1102	284	16	.	.	PUNCT
easat-1102	285	1	this	this	DET
easat-1102	285	2	study	study	NOUN
easat-1102	285	3	employs	employ	VERB
easat-1102	285	4	a	a	DET
easat-1102	285	5	skewness	skewness	NOUN
easat-1102	285	6	range	range	NOUN
easat-1102	285	7	of	of	ADP
easat-1102	285	8	3	3	NUM
easat-1102	285	9	to	to	ADP
easat-1102	285	10	+3	+3	PROPN
easat-1102	285	11	and	and	CCONJ
easat-1102	285	12	a	a	DET
easat-1102	285	13	kurtosis	kurtosis	NOUN
easat-1102	285	14	range	range	NOUN
easat-1102	285	15	of	of	ADP
easat-1102	285	16	-10	-10	ADV
easat-1102	285	17	to	to	PART
easat-1102	285	18	+10	+10	VERB
easat-1102	285	19	as	as	ADP
easat-1102	285	20	acceptable	acceptable	ADJ
easat-1102	285	21	values	value	NOUN
easat-1102	285	22	[	[	X
easat-1102	285	23	22	22	NUM
easat-1102	285	24	]	]	PUNCT
easat-1102	285	25	.	.	PUNCT
easat-1102	286	1	table	table	NOUN
easat-1102	286	2	1	1	NUM
easat-1102	286	3	presents	present	VERB
easat-1102	286	4	the	the	DET
easat-1102	286	5	distribution	distribution	NOUN
easat-1102	286	6	of	of	ADP
easat-1102	286	7	skewness	skewness	NOUN
easat-1102	286	8	and	and	CCONJ
easat-1102	286	9	kurtosis	kurtosis	VERB
easat-1102	286	10	statistics	statistic	NOUN
easat-1102	286	11	.	.	PUNCT
easat-1102	287	1	table	table	NOUN
easat-1102	287	2	1	1	NUM
easat-1102	287	3	.	.	PUNCT
easat-1102	287	4	data	datum	NOUN
easat-1102	287	5	distribution	distribution	NOUN
easat-1102	287	6	based	base	VERB
easat-1102	287	7	on	on	ADP
easat-1102	287	8	skewness	skewness	NOUN
easat-1102	287	9	and	and	CCONJ
easat-1102	287	10	kurtosis	kurtosis	VERB
easat-1102	287	11	test	test	NOUN
easat-1102	287	12	.	.	PUNCT
easat-1102	288	1	construct	construct	VERB
easat-1102	288	2	excess	excess	ADJ
easat-1102	288	3	kurtosis	kurtosis	NOUN
easat-1102	288	4	skewness	skewness	NOUN
easat-1102	288	5	number	number	NOUN
easat-1102	288	6	of	of	ADP
easat-1102	288	7	observations	observation	NOUN
easat-1102	288	8	used	use	VERB
easat-1102	288	9	bf_5	bf_5	PROPN
easat-1102	288	10	-1.25	-1.25	PROPN
easat-1102	288	11	0.11	0.11	NUM
easat-1102	288	12	256.00	256.00	NUM
easat-1102	288	13	bf_7	bf_7	ADJ
easat-1102	288	14	-0.68	-0.68	NOUN
easat-1102	288	15	0.11	0.11	NUM
easat-1102	288	16	256.00	256.00	NUM
easat-1102	288	17	bf_9	bf_9	NOUN
easat-1102	288	18	-0.46	-0.46	NUM
easat-1102	288	19	0.27	0.27	NUM
easat-1102	288	20	256.00	256.00	NUM
easat-1102	288	21	c_1	c_1	NOUN
easat-1102	288	22	-0.30	-0.30	VERB
easat-1102	288	23	0.03	0.03	NUM
easat-1102	288	24	256.00	256.00	NUM
easat-1102	288	25	c_2	c_2	NOUN
easat-1102	288	26	0.03	0.03	NUM
easat-1102	288	27	-0.12	-0.12	NUM
easat-1102	288	28	256.00	256.00	NUM
easat-1102	288	29	c_6	c_6	PROPN
easat-1102	288	30	-0.09	-0.09	NUM
easat-1102	288	31	-0.03	-0.03	NUM
easat-1102	288	32	256.00	256.00	NUM
easat-1102	288	33	suo_1	suo_1	NOUN
easat-1102	288	34	-0.33	-0.33	PRON
easat-1102	288	35	-0.04	-0.04	NUM
easat-1102	288	36	256.00	256.00	NUM
easat-1102	288	37	suo_5	suo_5	NOUN
easat-1102	288	38	-0.33	-0.33	NOUN
easat-1102	288	39	0.04	0.04	NUM
easat-1102	288	40	256.00	256.00	NUM
easat-1102	288	41	in	in	ADP
easat-1102	288	42	the	the	DET
easat-1102	288	43	study	study	NOUN
easat-1102	288	44	data	datum	NOUN
easat-1102	288	45	,	,	PUNCT
easat-1102	288	46	the	the	DET
easat-1102	288	47	distribution	distribution	NOUN
easat-1102	288	48	of	of	ADP
easat-1102	288	49	mobile	mobile	ADJ
easat-1102	288	50	money	money	NOUN
easat-1102	288	51	consumers	consumer	NOUN
easat-1102	288	52	'	'	PART
easat-1102	288	53	responses	response	NOUN
easat-1102	288	54	is	be	AUX
easat-1102	288	55	uniformly	uniformly	ADV
easat-1102	288	56	skewed	skewed	ADJ
easat-1102	288	57	and	and	CCONJ
easat-1102	288	58	normal	normal	ADJ
easat-1102	288	59	.	.	PUNCT
easat-1102	289	1	kurtosis	kurtosis	VERB
easat-1102	289	2	levels	level	NOUN
easat-1102	289	3	range	range	VERB
easat-1102	289	4	from	from	ADP
easat-1102	289	5	-10	-10	PUNCT
easat-1102	289	6	to	to	PART
easat-1102	289	7	+10	+10	VERB
easat-1102	289	8	.	.	PUNCT
easat-1102	290	1	as	as	ADP
easat-1102	290	2	a	a	DET
easat-1102	290	3	result	result	NOUN
easat-1102	290	4	,	,	PUNCT
easat-1102	290	5	both	both	CCONJ
easat-1102	290	6	skewness	skewness	NOUN
easat-1102	290	7	and	and	CCONJ
easat-1102	290	8	kurtosis	kurtosis	NOUN
easat-1102	290	9	are	be	AUX
easat-1102	290	10	within	within	ADP
easat-1102	290	11	acceptable	acceptable	ADJ
easat-1102	290	12	limits	limit	NOUN
easat-1102	290	13	,	,	PUNCT
easat-1102	290	14	and	and	CCONJ
easat-1102	290	15	the	the	DET
easat-1102	290	16	data	datum	NOUN
easat-1102	290	17	are	be	AUX
easat-1102	290	18	suitable	suitable	ADJ
easat-1102	290	19	for	for	ADP
easat-1102	290	20	the	the	DET
easat-1102	290	21	study	study	NOUN
easat-1102	290	22	.	.	PUNCT
easat-1102	291	1	4.2	4.2	NUM
easat-1102	291	2	.	.	PUNCT
easat-1102	291	3	customer	customer	NOUN
easat-1102	291	4	profile	profile	NOUN
easat-1102	291	5	and	and	CCONJ
easat-1102	291	6	usage	usage	NOUN
easat-1102	291	7	of	of	ADP
easat-1102	291	8	mobile	mobile	ADJ
easat-1102	291	9	money	money	NOUN
easat-1102	291	10	we	we	PRON
easat-1102	291	11	required	require	VERB
easat-1102	291	12	the	the	DET
easat-1102	291	13	profile	profile	NOUN
easat-1102	291	14	of	of	ADP
easat-1102	291	15	mobile	mobile	ADJ
easat-1102	291	16	money	money	NOUN
easat-1102	291	17	consumers	consumer	NOUN
easat-1102	291	18	because	because	SCONJ
easat-1102	291	19	their	their	PRON
easat-1102	291	20	ability	ability	NOUN
easat-1102	291	21	to	to	PART
easat-1102	291	22	provide	provide	VERB
easat-1102	291	23	acceptable	acceptable	ADJ
easat-1102	291	24	information	information	NOUN
easat-1102	291	25	on	on	ADP
easat-1102	291	26	research	research	NOUN
easat-1102	291	27	variables	variable	NOUN
easat-1102	291	28	heavily	heavily	ADV
easat-1102	291	29	depends	depend	VERB
easat-1102	291	30	on	on	ADP
easat-1102	291	31	their	their	PRON
easat-1102	291	32	profile	profile	NOUN
easat-1102	291	33	.	.	PUNCT
easat-1102	292	1	according	accord	VERB
easat-1102	292	2	to	to	ADP
easat-1102	292	3	the	the	DET
easat-1102	292	4	findings	finding	NOUN
easat-1102	292	5	of	of	ADP
easat-1102	292	6	this	this	DET
easat-1102	292	7	survey	survey	NOUN
easat-1102	292	8	,	,	PUNCT
easat-1102	292	9	respondents	respondent	NOUN
easat-1102	292	10	are	be	AUX
easat-1102	292	11	of	of	ADP
easat-1102	292	12	various	various	ADJ
easat-1102	292	13	ages	age	NOUN
easat-1102	292	14	,	,	PUNCT
easat-1102	292	15	socioeconomic	socioeconomic	ADJ
easat-1102	292	16	statuses	status	NOUN
easat-1102	292	17	,	,	PUNCT
easat-1102	292	18	and	and	CCONJ
easat-1102	292	19	vocations	vocation	NOUN
easat-1102	292	20	.	.	PUNCT
easat-1102	293	1	similarly	similarly	ADV
easat-1102	293	2	,	,	PUNCT
easat-1102	293	3	the	the	DET
easat-1102	293	4	customer	customer	NOUN
easat-1102	293	5	profile	profile	NOUN
easat-1102	293	6	was	be	AUX
easat-1102	293	7	required	require	VERB
easat-1102	293	8	,	,	PUNCT
easat-1102	293	9	as	as	SCONJ
easat-1102	293	10	different	different	ADJ
easat-1102	293	11	customer	customer	NOUN
easat-1102	293	12	statuses	status	NOUN
easat-1102	293	13	may	may	AUX
easat-1102	293	14	provide	provide	VERB
easat-1102	293	15	different	different	ADJ
easat-1102	293	16	input	input	NOUN
easat-1102	293	17	on	on	ADP
easat-1102	293	18	the	the	DET
easat-1102	293	19	aspects	aspect	NOUN
easat-1102	293	20	being	be	AUX
easat-1102	293	21	considered	consider	VERB
easat-1102	293	22	.	.	PUNCT
easat-1102	294	1	table	table	NOUN
easat-1102	294	2	2	2	NUM
easat-1102	294	3	contains	contain	VERB
easat-1102	294	4	information	information	NOUN
easat-1102	294	5	about	about	ADP
easat-1102	294	6	the	the	DET
easat-1102	294	7	customers	customer	NOUN
easat-1102	294	8	'	'	PART
easat-1102	294	9	profiles	profile	NOUN
easat-1102	294	10	.	.	PUNCT
easat-1102	295	1	64	64	NUM
easat-1102	295	2	edelweiss	edelweiss	PROPN
easat-1102	295	3	applied	apply	VERB
easat-1102	295	4	science	science	NOUN
easat-1102	295	5	and	and	CCONJ
easat-1102	295	6	technology	technology	NOUN
easat-1102	295	7	issn	issn	PROPN
easat-1102	295	8	:	:	PUNCT
easat-1102	295	9	2576	2576	NUM
easat-1102	295	10	-	-	SYM
easat-1102	295	11	8484	8484	NUM
easat-1102	295	12	vol	vol	NOUN
easat-1102	295	13	.	.	PROPN
easat-1102	295	14	8	8	NUM
easat-1102	295	15	,	,	PUNCT
easat-1102	295	16	no	no	INTJ
easat-1102	295	17	.	.	NOUN
easat-1102	296	1	4	4	NUM
easat-1102	296	2	:	:	SYM
easat-1102	296	3	56	56	NUM
easat-1102	296	4	-	-	SYM
easat-1102	296	5	69	69	NUM
easat-1102	296	6	,	,	PUNCT
easat-1102	296	7	2024	2024	NUM
easat-1102	296	8	doi	doi	NOUN
easat-1102	296	9	:	:	PUNCT
easat-1102	296	10	10.55214/25768484.v8i4.1102	10.55214/25768484.v8i4.1102	NUM
easat-1102	296	11	©	©	ADP
easat-1102	296	12	2024	2024	NUM
easat-1102	296	13	by	by	ADP
easat-1102	296	14	the	the	DET
easat-1102	296	15	authors	author	NOUN
easat-1102	296	16	;	;	PUNCT
easat-1102	297	1	licensee	licensee	PROPN
easat-1102	297	2	learning	learn	VERB
easat-1102	297	3	gate	gate	NOUN
easat-1102	297	4	table	table	NOUN
easat-1102	297	5	2	2	NUM
easat-1102	297	6	.	.	PUNCT
easat-1102	297	7	customer	customer	NOUN
easat-1102	297	8	profile	profile	NOUN
easat-1102	297	9	and	and	CCONJ
easat-1102	297	10	usage	usage	NOUN
easat-1102	297	11	of	of	ADP
easat-1102	297	12	mobile	mobile	ADJ
easat-1102	297	13	money	money	NOUN
easat-1102	297	14	.	.	PUNCT
easat-1102	298	1	item	item	NOUN
easat-1102	298	2	category	category	NOUN
easat-1102	298	3	count	count	NOUN
easat-1102	298	4	column	column	NOUN
easat-1102	298	5	n	n	ADP
easat-1102	298	6	%	%	NOUN
easat-1102	298	7	age	age	NOUN
easat-1102	298	8	of	of	ADP
easat-1102	298	9	respondent	respondent	NOUN
easat-1102	298	10	18	18	NUM
easat-1102	298	11	-	-	SYM
easat-1102	298	12	25	25	NUM
easat-1102	298	13	164	164	NUM
easat-1102	298	14	64.06	64.06	NUM
easat-1102	298	15	%	%	NOUN
easat-1102	298	16	26	26	NUM
easat-1102	298	17	-	-	SYM
easat-1102	298	18	35	35	NUM
easat-1102	298	19	68	68	NUM
easat-1102	298	20	26.56	26.56	NUM
easat-1102	298	21	%	%	NOUN
easat-1102	298	22	36	36	NUM
easat-1102	298	23	-	-	SYM
easat-1102	298	24	45	45	NUM
easat-1102	298	25	16	16	NUM
easat-1102	298	26	6.25	6.25	NUM
easat-1102	298	27	%	%	NOUN
easat-1102	298	28	46	46	NUM
easat-1102	298	29	and	and	CCONJ
easat-1102	298	30	above	above	ADP
easat-1102	298	31	8	8	NUM
easat-1102	298	32	3.12	3.12	NUM
easat-1102	298	33	%	%	NOUN
easat-1102	298	34	total	total	NOUN
easat-1102	298	35	256	256	NUM
easat-1102	298	36	100.00	100.00	NUM
easat-1102	298	37	%	%	NOUN
easat-1102	298	38	occupation	occupation	NOUN
easat-1102	298	39	of	of	ADP
easat-1102	298	40	respondent	respondent	ADJ
easat-1102	298	41	private	private	ADJ
easat-1102	298	42	business	business	NOUN
easat-1102	298	43	28	28	NUM
easat-1102	298	44	10.94	10.94	NUM
easat-1102	298	45	%	%	NOUN
easat-1102	298	46	civil	civil	ADJ
easat-1102	298	47	servant	servant	NOUN
easat-1102	298	48	24	24	NUM
easat-1102	298	49	9.38	9.38	NUM
easat-1102	298	50	%	%	NOUN
easat-1102	298	51	student	student	NOUN
easat-1102	298	52	200	200	NUM
easat-1102	298	53	78.12	78.12	NUM
easat-1102	298	54	%	%	NOUN
easat-1102	298	55	others	other	NOUN
easat-1102	298	56	4	4	NUM
easat-1102	298	57	1.56	1.56	NUM
easat-1102	298	58	%	%	NOUN
easat-1102	298	59	total	total	NOUN
easat-1102	298	60	256	256	NUM
easat-1102	298	61	100.00	100.00	NUM
easat-1102	298	62	%	%	NOUN
easat-1102	298	63	period	period	NOUN
easat-1102	298	64	of	of	ADP
easat-1102	298	65	mobile	mobile	ADJ
easat-1102	298	66	money	money	NOUN
easat-1102	298	67	service	service	NOUN
easat-1102	298	68	usage	usage	NOUN
easat-1102	298	69	less	less	ADJ
easat-1102	298	70	than	than	ADP
easat-1102	298	71	1	1	NUM
easat-1102	298	72	year	year	NOUN
easat-1102	298	73	32	32	NUM
easat-1102	298	74	12.50	12.50	NUM
easat-1102	298	75	%	%	NOUN
easat-1102	298	76	1	1	NUM
easat-1102	298	77	-	-	SYM
easat-1102	298	78	2	2	NUM
easat-1102	298	79	years	year	NOUN
easat-1102	298	80	44	44	NUM
easat-1102	298	81	17.19	17.19	NUM
easat-1102	298	82	%	%	NOUN
easat-1102	298	83	3	3	NUM
easat-1102	298	84	-	-	SYM
easat-1102	298	85	5	5	NUM
easat-1102	298	86	years	year	NOUN
easat-1102	298	87	80	80	NUM
easat-1102	298	88	31.25	31.25	NUM
easat-1102	298	89	%	%	NOUN
easat-1102	298	90	above	above	ADP
easat-1102	298	91	5	5	NUM
easat-1102	298	92	years	year	NOUN
easat-1102	298	93	100	100	NUM
easat-1102	298	94	39.06	39.06	NUM
easat-1102	298	95	%	%	NOUN
easat-1102	298	96	total	total	NOUN
easat-1102	298	97	256	256	NUM
easat-1102	298	98	100.00	100.00	NUM
easat-1102	298	99	%	%	NOUN
easat-1102	298	100	frequent	frequent	ADJ
easat-1102	298	101	service	service	NOUN
easat-1102	298	102	use	use	NOUN
easat-1102	298	103	payment	payment	NOUN
easat-1102	298	104	of	of	ADP
easat-1102	298	105	bills	bill	NOUN
easat-1102	298	106	52	52	NUM
easat-1102	298	107	20.31	20.31	NUM
easat-1102	298	108	%	%	NOUN
easat-1102	298	109	buy	buy	VERB
easat-1102	298	110	airtime	airtime	NOUN
easat-1102	298	111	/	/	SYM
easat-1102	298	112	data	datum	NOUN
easat-1102	298	113	196	196	NUM
easat-1102	298	114	76.56	76.56	NUM
easat-1102	298	115	%	%	NOUN
easat-1102	298	116	none	none	NOUN
easat-1102	298	117	8	8	NUM
easat-1102	298	118	3.12	3.12	NUM
easat-1102	298	119	%	%	NOUN
easat-1102	298	120	total	total	NOUN
easat-1102	298	121	256	256	NUM
easat-1102	298	122	100.00	100.00	NUM
easat-1102	298	123	%	%	NOUN
easat-1102	298	124	mobile	mobile	ADJ
easat-1102	298	125	money	money	NOUN
easat-1102	298	126	service	service	NOUN
easat-1102	298	127	use	use	VERB
easat-1102	298	128	mtn	mtn	PROPN
easat-1102	298	129	mobile	mobile	ADJ
easat-1102	298	130	money	money	NOUN
easat-1102	298	131	184	184	NUM
easat-1102	298	132	71.88	71.88	NUM
easat-1102	298	133	%	%	NOUN
easat-1102	298	134	airtel	airtel	NOUN
easat-1102	298	135	-	-	PUNCT
easat-1102	298	136	tigo	tigo	NOUN
easat-1102	298	137	mobile	mobile	ADJ
easat-1102	298	138	money	money	NOUN
easat-1102	298	139	12	12	NUM
easat-1102	298	140	4.69	4.69	NUM
easat-1102	298	141	%	%	NOUN
easat-1102	298	142	vodafone	vodafone	NOUN
easat-1102	298	143	cash	cash	NOUN
easat-1102	298	144	60	60	NUM
easat-1102	298	145	23.44	23.44	NUM
easat-1102	298	146	%	%	NOUN
easat-1102	298	147	none	none	NOUN
easat-1102	298	148	of	of	ADP
easat-1102	298	149	the	the	DET
easat-1102	298	150	above	above	ADJ
easat-1102	298	151	0	0	NUM
easat-1102	298	152	0.00	0.00	NUM
easat-1102	298	153	%	%	NOUN
easat-1102	298	154	total	total	NOUN
easat-1102	298	155	256	256	NUM
easat-1102	298	156	100.00	100.00	NUM
easat-1102	298	157	%	%	NOUN
easat-1102	298	158	the	the	DET
easat-1102	298	159	majority	majority	NOUN
easat-1102	298	160	of	of	ADP
easat-1102	298	161	mobile	mobile	ADJ
easat-1102	298	162	money	money	NOUN
easat-1102	298	163	system	system	NOUN
easat-1102	298	164	clients	client	NOUN
easat-1102	298	165	(	(	PUNCT
easat-1102	298	166	64.06	64.06	NUM
easat-1102	298	167	%	%	NOUN
easat-1102	298	168	)	)	PUNCT
easat-1102	298	169	are	be	AUX
easat-1102	298	170	between	between	ADP
easat-1102	298	171	the	the	DET
easat-1102	298	172	ages	age	NOUN
easat-1102	298	173	of	of	ADP
easat-1102	298	174	1	1	NUM
easat-1102	298	175	and	and	CCONJ
easat-1102	298	176	25	25	NUM
easat-1102	298	177	,	,	PUNCT
easat-1102	298	178	followed	follow	VERB
easat-1102	298	179	by	by	ADP
easat-1102	298	180	26	26	NUM
easat-1102	298	181	-	-	SYM
easat-1102	298	182	3	3	NUM
easat-1102	298	183	,	,	PUNCT
easat-1102	298	184	36	36	NUM
easat-1102	298	185	-	-	SYM
easat-1102	298	186	45	45	NUM
easat-1102	298	187	,	,	PUNCT
easat-1102	298	188	and	and	CCONJ
easat-1102	298	189	46	46	NUM
easat-1102	298	190	and	and	CCONJ
easat-1102	298	191	up	up	ADV
easat-1102	298	192	,	,	PUNCT
easat-1102	298	193	and	and	CCONJ
easat-1102	298	194	students	student	NOUN
easat-1102	298	195	dominate	dominate	VERB
easat-1102	298	196	the	the	DET
easat-1102	298	197	services	service	NOUN
easat-1102	298	198	.	.	PUNCT
easat-1102	299	1	customers	customer	NOUN
easat-1102	299	2	are	be	AUX
easat-1102	299	3	classified	classify	VERB
easat-1102	299	4	as	as	ADP
easat-1102	299	5	private	private	ADJ
easat-1102	299	6	businesses	business	NOUN
easat-1102	299	7	,	,	PUNCT
easat-1102	299	8	civil	civil	ADJ
easat-1102	299	9	servants	servant	NOUN
easat-1102	299	10	,	,	PUNCT
easat-1102	299	11	students	student	NOUN
easat-1102	299	12	,	,	PUNCT
easat-1102	299	13	and	and	CCONJ
easat-1102	299	14	others	other	NOUN
easat-1102	299	15	,	,	PUNCT
easat-1102	299	16	with	with	ADP
easat-1102	299	17	students	student	NOUN
easat-1102	299	18	accounting	account	VERB
easat-1102	299	19	for	for	ADP
easat-1102	299	20	78.12	78.12	NUM
easat-1102	299	21	%	%	NOUN
easat-1102	299	22	.	.	PUNCT
easat-1102	300	1	according	accord	VERB
easat-1102	300	2	to	to	ADP
easat-1102	300	3	table	table	NOUN
easat-1102	300	4	2	2	NUM
easat-1102	300	5	,	,	PUNCT
easat-1102	300	6	the	the	DET
easat-1102	300	7	period	period	NOUN
easat-1102	300	8	of	of	ADP
easat-1102	300	9	mobile	mobile	ADJ
easat-1102	300	10	money	money	NOUN
easat-1102	300	11	service	service	NOUN
easat-1102	300	12	usage	usage	NOUN
easat-1102	300	13	is	be	AUX
easat-1102	300	14	closely	closely	ADV
easat-1102	300	15	distributed	distribute	VERB
easat-1102	300	16	,	,	PUNCT
easat-1102	300	17	with	with	ADP
easat-1102	300	18	over	over	ADP
easat-1102	300	19	5	5	NUM
easat-1102	300	20	years	year	NOUN
easat-1102	300	21	(	(	PUNCT
easat-1102	300	22	39.06	39.06	NUM
easat-1102	300	23	%	%	NOUN
easat-1102	300	24	)	)	PUNCT
easat-1102	300	25	being	be	AUX
easat-1102	300	26	the	the	DET
easat-1102	300	27	most	most	ADV
easat-1102	300	28	common	common	ADJ
easat-1102	300	29	,	,	PUNCT
easat-1102	300	30	followed	follow	VERB
easat-1102	300	31	by	by	ADP
easat-1102	300	32	3	3	NUM
easat-1102	300	33	-	-	SYM
easat-1102	300	34	5	5	NUM
easat-1102	300	35	years	year	NOUN
easat-1102	300	36	(	(	PUNCT
easat-1102	300	37	31.25	31.25	NUM
easat-1102	300	38	%	%	NOUN
easat-1102	300	39	)	)	PUNCT
easat-1102	300	40	,	,	PUNCT
easat-1102	300	41	1	1	NUM
easat-1102	300	42	-	-	SYM
easat-1102	300	43	2	2	NUM
easat-1102	300	44	years	year	NOUN
easat-1102	300	45	(	(	PUNCT
easat-1102	300	46	17.19	17.19	NUM
easat-1102	300	47	%	%	NOUN
easat-1102	300	48	)	)	PUNCT
easat-1102	300	49	,	,	PUNCT
easat-1102	300	50	and	and	CCONJ
easat-1102	300	51	less	less	ADJ
easat-1102	300	52	than	than	ADP
easat-1102	300	53	1	1	NUM
easat-1102	300	54	year	year	NOUN
easat-1102	300	55	(	(	PUNCT
easat-1102	300	56	12.50	12.50	NUM
easat-1102	300	57	%	%	NOUN
easat-1102	300	58	)	)	PUNCT
easat-1102	300	59	.	.	PUNCT
easat-1102	301	1	in	in	ADP
easat-1102	301	2	terms	term	NOUN
easat-1102	301	3	of	of	ADP
easat-1102	301	4	frequent	frequent	ADJ
easat-1102	301	5	service	service	NOUN
easat-1102	301	6	utilize	utilize	NOUN
easat-1102	301	7	,	,	PUNCT
easat-1102	301	8	respondents	respondent	NOUN
easat-1102	301	9	were	be	AUX
easat-1102	301	10	asked	ask	VERB
easat-1102	301	11	to	to	PART
easat-1102	301	12	name	name	VERB
easat-1102	301	13	the	the	DET
easat-1102	301	14	service	service	NOUN
easat-1102	301	15	for	for	ADP
easat-1102	301	16	which	which	PRON
easat-1102	301	17	they	they	PRON
easat-1102	301	18	most	most	ADV
easat-1102	301	19	frequently	frequently	ADV
easat-1102	301	20	utilized	utilize	VERB
easat-1102	301	21	it	it	PRON
easat-1102	301	22	.	.	PUNCT
easat-1102	302	1	buying	buy	VERB
easat-1102	302	2	airtime	airtime	NOUN
easat-1102	302	3	/	/	SYM
easat-1102	302	4	data	datum	NOUN
easat-1102	302	5	was	be	AUX
easat-1102	302	6	the	the	DET
easat-1102	302	7	most	most	ADV
easat-1102	302	8	popular	popular	ADJ
easat-1102	302	9	with	with	ADP
easat-1102	302	10	76.56	76.56	NUM
easat-1102	302	11	%	%	NOUN
easat-1102	302	12	,	,	PUNCT
easat-1102	302	13	followed	follow	VERB
easat-1102	302	14	by	by	ADP
easat-1102	302	15	'	'	PUNCT
easat-1102	302	16	payment	payment	NOUN
easat-1102	302	17	of	of	ADP
easat-1102	302	18	bills	bill	NOUN
easat-1102	302	19	'	'	PUNCT
easat-1102	302	20	with	with	ADP
easat-1102	302	21	20.31	20.31	NUM
easat-1102	302	22	%	%	NOUN
easat-1102	302	23	,	,	PUNCT
easat-1102	302	24	and	and	CCONJ
easat-1102	302	25	none	none	NOUN
easat-1102	302	26	of	of	ADP
easat-1102	302	27	the	the	DET
easat-1102	302	28	two	two	NUM
easat-1102	302	29	with	with	ADP
easat-1102	302	30	3.2	3.2	NUM
easat-1102	302	31	%	%	NOUN
easat-1102	302	32	.	.	PUNCT
easat-1102	303	1	mtn	mtn	PROPN
easat-1102	303	2	mobile	mobile	ADJ
easat-1102	303	3	money	money	NOUN
easat-1102	303	4	has	have	VERB
easat-1102	303	5	the	the	DET
easat-1102	303	6	most	most	ADJ
easat-1102	303	7	patronage	patronage	NOUN
easat-1102	303	8	(	(	PUNCT
easat-1102	303	9	71.88	71.88	NUM
easat-1102	303	10	%	%	NOUN
easat-1102	303	11	)	)	PUNCT
easat-1102	303	12	,	,	PUNCT
easat-1102	303	13	followed	follow	VERB
easat-1102	303	14	by	by	ADP
easat-1102	303	15	vodafone	vodafone	NOUN
easat-1102	303	16	cash	cash	NOUN
easat-1102	303	17	(	(	PUNCT
easat-1102	303	18	23.44	23.44	NUM
easat-1102	303	19	%	%	NOUN
easat-1102	303	20	)	)	PUNCT
easat-1102	303	21	,	,	PUNCT
easat-1102	303	22	and	and	CCONJ
easat-1102	303	23	airtel	airtel	NOUN
easat-1102	303	24	-	-	PUNCT
easat-1102	303	25	tigo	tigo	NOUN
easat-1102	303	26	mobile	mobile	ADJ
easat-1102	303	27	money	money	NOUN
easat-1102	303	28	(	(	PUNCT
easat-1102	303	29	4.69	4.69	NUM
easat-1102	303	30	%	%	NOUN
easat-1102	303	31	)	)	PUNCT
easat-1102	303	32	.	.	PUNCT
easat-1102	304	1	4.3	4.3	NUM
easat-1102	304	2	.	.	PUNCT
easat-1102	305	1	data	datum	NOUN
easat-1102	305	2	analysis	analysis	NOUN
easat-1102	305	3	of	of	ADP
easat-1102	305	4	constructs	construct	NOUN
easat-1102	305	5	every	every	DET
easat-1102	305	6	study	study	NOUN
easat-1102	305	7	topic	topic	NOUN
easat-1102	305	8	begins	begin	VERB
easat-1102	305	9	with	with	ADP
easat-1102	305	10	a	a	DET
easat-1102	305	11	qualitative	qualitative	ADJ
easat-1102	305	12	description	description	NOUN
easat-1102	305	13	of	of	ADP
easat-1102	305	14	the	the	DET
easat-1102	305	15	phenomenon	phenomenon	NOUN
easat-1102	305	16	of	of	ADP
easat-1102	305	17	interest	interest	NOUN
easat-1102	305	18	,	,	PUNCT
easat-1102	305	19	followed	follow	VERB
easat-1102	305	20	by	by	ADP
easat-1102	305	21	quantitative	quantitative	ADJ
easat-1102	305	22	measurement	measurement	NOUN
easat-1102	305	23	.	.	PUNCT
easat-1102	306	1	data	datum	NOUN
easat-1102	306	2	analysis	analysis	NOUN
easat-1102	306	3	and	and	CCONJ
easat-1102	306	4	utilization	utilization	NOUN
easat-1102	306	5	are	be	AUX
easat-1102	306	6	critical	critical	ADJ
easat-1102	306	7	after	after	ADP
easat-1102	306	8	creating	create	VERB
easat-1102	306	9	and	and	CCONJ
easat-1102	306	10	performing	perform	VERB
easat-1102	306	11	the	the	DET
easat-1102	306	12	experiment	experiment	NOUN
easat-1102	306	13	[	[	X
easat-1102	306	14	24	24	NUM
easat-1102	306	15	]	]	PUNCT
easat-1102	306	16	.	.	PUNCT
easat-1102	307	1	for	for	ADP
easat-1102	307	2	years	year	NOUN
easat-1102	307	3	,	,	PUNCT
easat-1102	307	4	social	social	ADJ
easat-1102	307	5	science	science	NOUN
easat-1102	307	6	scholars	scholar	NOUN
easat-1102	307	7	have	have	AUX
easat-1102	307	8	used	use	VERB
easat-1102	307	9	statistical	statistical	ADJ
easat-1102	307	10	analysis	analysis	NOUN
easat-1102	307	11	to	to	PART
easat-1102	307	12	produce	produce	VERB
easat-1102	307	13	,	,	PUNCT
easat-1102	307	14	investigate	investigate	VERB
easat-1102	307	15	,	,	PUNCT
easat-1102	307	16	and	and	CCONJ
easat-1102	307	17	confirm	confirm	VERB
easat-1102	307	18	findings	finding	NOUN
easat-1102	307	19	.	.	PUNCT
easat-1102	308	1	this	this	DET
easat-1102	308	2	section	section	NOUN
easat-1102	308	3	covered	cover	VERB
easat-1102	308	4	fundamental	fundamental	ADJ
easat-1102	308	5	statistical	statistical	ADJ
easat-1102	308	6	methodologies	methodology	NOUN
easat-1102	308	7	as	as	ADV
easat-1102	308	8	well	well	ADV
easat-1102	308	9	as	as	ADP
easat-1102	308	10	partial	partial	ADJ
easat-1102	308	11	least	least	ADJ
easat-1102	308	12	square	square	ADJ
easat-1102	308	13	structural	structural	ADJ
easat-1102	308	14	equation	equation	NOUN
easat-1102	308	15	modeling	modeling	NOUN
easat-1102	308	16	.	.	PUNCT
easat-1102	309	1	this	this	DET
easat-1102	309	2	method	method	NOUN
easat-1102	309	3	can	can	AUX
easat-1102	309	4	be	be	AUX
easat-1102	309	5	used	use	VERB
easat-1102	309	6	to	to	PART
easat-1102	309	7	confirm	confirm	VERB
easat-1102	309	8	or	or	CCONJ
easat-1102	309	9	reject	reject	VERB
easat-1102	309	10	theories	theory	NOUN
easat-1102	309	11	,	,	PUNCT
easat-1102	309	12	as	as	ADV
easat-1102	309	13	well	well	ADV
easat-1102	309	14	as	as	ADP
easat-1102	309	15	to	to	PART
easat-1102	309	16	identify	identify	VERB
easat-1102	309	17	data	data	NOUN
easat-1102	309	18	patterns	pattern	NOUN
easat-1102	309	19	and	and	CCONJ
easat-1102	309	20	correlations	correlation	NOUN
easat-1102	309	21	[	[	X
easat-1102	309	22	23	23	NUM
easat-1102	309	23	]	]	PUNCT
easat-1102	309	24	.	.	PUNCT
easat-1102	310	1	65	65	NUM
easat-1102	310	2	edelweiss	edelweiss	PROPN
easat-1102	310	3	applied	apply	VERB
easat-1102	310	4	science	science	NOUN
easat-1102	310	5	and	and	CCONJ
easat-1102	310	6	technology	technology	NOUN
easat-1102	310	7	issn	issn	PROPN
easat-1102	310	8	:	:	PUNCT
easat-1102	310	9	2576	2576	NUM
easat-1102	310	10	-	-	SYM
easat-1102	310	11	8484	8484	NUM
easat-1102	310	12	vol	vol	NOUN
easat-1102	310	13	.	.	PROPN
easat-1102	310	14	8	8	NUM
easat-1102	310	15	,	,	PUNCT
easat-1102	310	16	no	no	INTJ
easat-1102	310	17	.	.	NOUN
easat-1102	311	1	4	4	NUM
easat-1102	311	2	:	:	SYM
easat-1102	311	3	56	56	NUM
easat-1102	311	4	-	-	SYM
easat-1102	311	5	69	69	NUM
easat-1102	311	6	,	,	PUNCT
easat-1102	311	7	2024	2024	NUM
easat-1102	311	8	doi	doi	NOUN
easat-1102	311	9	:	:	PUNCT
easat-1102	311	10	10.55214/25768484.v8i4.1102	10.55214/25768484.v8i4.1102	NUM
easat-1102	311	11	©	©	ADP
easat-1102	311	12	2024	2024	NUM
easat-1102	311	13	by	by	ADP
easat-1102	311	14	the	the	DET
easat-1102	311	15	authors	author	NOUN
easat-1102	311	16	;	;	PUNCT
easat-1102	311	17	licensee	licensee	PROPN
easat-1102	311	18	learning	learning	NOUN
easat-1102	311	19	gate	gate	PROPN
easat-1102	311	20	4.4	4.4	NUM
easat-1102	311	21	.	.	PUNCT
easat-1102	312	1	measurement	measurement	PROPN
easat-1102	312	2	assessment	assessment	PROPN
easat-1102	312	3	reflective	reflective	PROPN
easat-1102	312	4	measurement	measurement	NOUN
easat-1102	312	5	models	model	NOUN
easat-1102	312	6	evaluate	evaluate	VERB
easat-1102	312	7	indicators	indicator	NOUN
easat-1102	312	8	and	and	CCONJ
easat-1102	312	9	construct	construct	VERB
easat-1102	312	10	dependability	dependability	NOUN
easat-1102	312	11	.	.	PUNCT
easat-1102	313	1	the	the	DET
easat-1102	313	2	average	average	ADJ
easat-1102	313	3	variance	variance	NOUN
easat-1102	313	4	extracted	extract	VERB
easat-1102	313	5	(	(	PUNCT
easat-1102	313	6	ave	ave	PROPN
easat-1102	313	7	)	)	PUNCT
easat-1102	313	8	for	for	ADP
easat-1102	313	9	each	each	DET
easat-1102	313	10	metric	metric	ADJ
easat-1102	313	11	determines	determine	VERB
easat-1102	313	12	its	its	PRON
easat-1102	313	13	validity	validity	NOUN
easat-1102	313	14	.	.	PUNCT
easat-1102	314	1	you	you	PRON
easat-1102	314	2	can	can	AUX
easat-1102	314	3	use	use	VERB
easat-1102	314	4	the	the	DET
easat-1102	314	5	fornell	fornell	ADJ
easat-1102	314	6	-	-	PUNCT
easat-1102	314	7	larcker	larcker	NOUN
easat-1102	314	8	criterion	criterion	NOUN
easat-1102	314	9	to	to	PART
easat-1102	314	10	compare	compare	VERB
easat-1102	314	11	a	a	DET
easat-1102	314	12	reflectively	reflectively	ADV
easat-1102	314	13	measured	measure	VERB
easat-1102	314	14	construct	construct	NOUN
easat-1102	314	15	to	to	ADP
easat-1102	314	16	other	other	ADJ
easat-1102	314	17	measures	measure	NOUN
easat-1102	314	18	in	in	ADP
easat-1102	314	19	the	the	DET
easat-1102	314	20	same	same	ADJ
easat-1102	314	21	model	model	NOUN
easat-1102	314	22	.	.	PUNCT
easat-1102	315	1	cross	cross	ADJ
easat-1102	315	2	-	-	ADJ
easat-1102	315	3	loading	loading	NOUN
easat-1102	315	4	and	and	CCONJ
easat-1102	315	5	htmt	htmt	NOUN
easat-1102	315	6	are	be	AUX
easat-1102	315	7	two	two	NUM
easat-1102	315	8	examples	example	NOUN
easat-1102	315	9	[	[	X
easat-1102	315	10	23	23	NUM
easat-1102	315	11	]	]	PUNCT
easat-1102	315	12	.	.	PUNCT
easat-1102	316	1	4.5	4.5	NUM
easat-1102	316	2	.	.	PUNCT
easat-1102	317	1	indicator	indicator	PROPN
easat-1102	317	2	reliability	reliability	NOUN
easat-1102	317	3	internal	internal	ADJ
easat-1102	317	4	consistency	consistency	NOUN
easat-1102	317	5	,	,	PUNCT
easat-1102	317	6	reliability	reliability	NOUN
easat-1102	317	7	,	,	PUNCT
easat-1102	317	8	and	and	CCONJ
easat-1102	317	9	validity	validity	NOUN
easat-1102	317	10	of	of	ADP
easat-1102	317	11	reflective	reflective	ADJ
easat-1102	317	12	research	research	NOUN
easat-1102	317	13	models	model	NOUN
easat-1102	317	14	must	must	AUX
easat-1102	317	15	be	be	AUX
easat-1102	317	16	evaluated	evaluate	VERB
easat-1102	317	17	[	[	X
easat-1102	317	18	23	23	NUM
easat-1102	317	19	]	]	PUNCT
easat-1102	317	20	.	.	PUNCT
easat-1102	318	1	internal	internal	ADJ
easat-1102	318	2	consistency	consistency	NOUN
easat-1102	318	3	refers	refer	VERB
easat-1102	318	4	to	to	ADP
easat-1102	318	5	how	how	SCONJ
easat-1102	318	6	effectively	effectively	ADV
easat-1102	318	7	the	the	DET
easat-1102	318	8	entire	entire	ADJ
easat-1102	318	9	set	set	NOUN
easat-1102	318	10	measures	measure	NOUN
easat-1102	318	11	a	a	DET
easat-1102	318	12	given	give	VERB
easat-1102	318	13	construct	construct	NOUN
easat-1102	318	14	on	on	ADP
easat-1102	318	15	a	a	DET
easat-1102	318	16	given	give	VERB
easat-1102	318	17	scale	scale	NOUN
easat-1102	318	18	[	[	X
easat-1102	318	19	25	25	NUM
easat-1102	318	20	]	]	PUNCT
easat-1102	318	21	.	.	PUNCT
easat-1102	319	1	internal	internal	ADJ
easat-1102	319	2	consistency	consistency	NOUN
easat-1102	319	3	reliability	reliability	NOUN
easat-1102	319	4	evaluates	evaluate	VERB
easat-1102	319	5	the	the	DET
easat-1102	319	6	extent	extent	NOUN
easat-1102	319	7	of	of	ADP
easat-1102	319	8	linkage	linkage	NOUN
easat-1102	319	9	between	between	ADP
easat-1102	319	10	construct	construct	NOUN
easat-1102	319	11	indicators	indicator	NOUN
easat-1102	319	12	.	.	PUNCT
easat-1102	320	1	reflective	reflective	ADJ
easat-1102	320	2	study	study	PROPN
easat-1102	320	3	measurement	measurement	NOUN
easat-1102	320	4	methodology	methodology	NOUN
easat-1102	320	5	necessitates	necessitate	VERB
easat-1102	320	6	the	the	DET
easat-1102	320	7	inspection	inspection	NOUN
easat-1102	320	8	and	and	CCONJ
easat-1102	320	9	reporting	reporting	NOUN
easat-1102	320	10	of	of	ADP
easat-1102	320	11	pls	pls	PROPN
easat-1102	320	12	path	path	NOUN
easat-1102	320	13	model	model	NOUN
easat-1102	320	14	derived	derive	VERB
easat-1102	320	15	findings	finding	NOUN
easat-1102	320	16	.	.	PUNCT
easat-1102	321	1	outer	outer	ADJ
easat-1102	321	2	loadings	loading	NOUN
easat-1102	321	3	are	be	AUX
easat-1102	321	4	the	the	DET
easat-1102	321	5	measurement	measurement	NOUN
easat-1102	321	6	.	.	PUNCT
easat-1102	322	1	composite	composite	ADJ
easat-1102	322	2	reliability	reliability	NOUN
easat-1102	322	3	,	,	PUNCT
easat-1102	322	4	cronbach	cronbach	VERB
easat-1102	322	5	's	's	PART
easat-1102	322	6	alpha	alpha	NOUN
easat-1102	322	7	,	,	PUNCT
easat-1102	322	8	ave	ave	PROPN
easat-1102	322	9	,	,	PUNCT
easat-1102	322	10	and	and	CCONJ
easat-1102	322	11	discriminant	discriminant	ADJ
easat-1102	322	12	validity	validity	NOUN
easat-1102	322	13	are	be	AUX
easat-1102	322	14	all	all	PRON
easat-1102	322	15	measures	measure	NOUN
easat-1102	322	16	of	of	ADP
easat-1102	322	17	reliability	reliability	NOUN
easat-1102	322	18	[	[	X
easat-1102	322	19	23	23	NUM
easat-1102	322	20	]	]	PUNCT
easat-1102	322	21	.	.	PUNCT
easat-1102	323	1	cronbach	cronbach	PROPN
easat-1102	323	2	's	's	PART
easat-1102	323	3	alpha	alpha	ADJ
easat-1102	323	4	values	value	NOUN
easat-1102	323	5	should	should	AUX
easat-1102	323	6	be	be	AUX
easat-1102	323	7	greater	great	ADJ
easat-1102	323	8	than	than	ADP
easat-1102	323	9	0.6	0.6	NUM
easat-1102	323	10	,	,	PUNCT
easat-1102	323	11	with	with	ADP
easat-1102	323	12	composite	composite	ADJ
easat-1102	323	13	reliability	reliability	NOUN
easat-1102	323	14	with	with	ADP
easat-1102	323	15	similarity	similarity	NOUN
easat-1102	323	16	of	of	ADP
easat-1102	323	17	ratings	rating	NOUN
easat-1102	323	18	greater	great	ADJ
easat-1102	323	19	than	than	ADP
easat-1102	323	20	0.70	0.70	NUM
easat-1102	323	21	but	but	CCONJ
easat-1102	323	22	less	less	ADJ
easat-1102	323	23	than	than	ADP
easat-1102	323	24	0.95	0.95	NUM
easat-1102	323	25	.	.	PUNCT
easat-1102	324	1	therefore	therefore	ADV
easat-1102	324	2	,	,	PUNCT
easat-1102	324	3	it	it	PRON
easat-1102	324	4	is	be	AUX
easat-1102	324	5	necessary	necessary	ADJ
easat-1102	324	6	to	to	PART
easat-1102	324	7	report	report	VERB
easat-1102	324	8	both	both	DET
easat-1102	324	9	cronbach	cronbach	VERB
easat-1102	324	10	's	's	PART
easat-1102	324	11	alpha	alpha	NOUN
easat-1102	324	12	and	and	CCONJ
easat-1102	324	13	composite	composite	ADJ
easat-1102	324	14	reliability	reliability	NOUN
easat-1102	324	15	.	.	PUNCT
easat-1102	325	1	cronbach	cronbach	PROPN
easat-1102	325	2	's	's	PART
easat-1102	325	3	alpha	alpha	NOUN
easat-1102	325	4	,	,	PUNCT
easat-1102	325	5	the	the	DET
easat-1102	325	6	lower	lower	ADV
easat-1102	325	7	bound	bind	VERB
easat-1102	325	8	,	,	PUNCT
easat-1102	325	9	and	and	CCONJ
easat-1102	325	10	composite	composite	ADJ
easat-1102	325	11	reliability	reliability	NOUN
easat-1102	325	12	,	,	PUNCT
easat-1102	325	13	the	the	DET
easat-1102	325	14	upper	upper	ADJ
easat-1102	325	15	bound	bind	VERB
easat-1102	325	16	,	,	PUNCT
easat-1102	325	17	determine	determine	VERB
easat-1102	325	18	dependability	dependability	NOUN
easat-1102	325	19	.	.	PUNCT
easat-1102	326	1	the	the	DET
easat-1102	326	2	grand	grand	ADJ
easat-1102	326	3	mean	mean	NOUN
easat-1102	326	4	of	of	ADP
easat-1102	326	5	the	the	DET
easat-1102	326	6	construct	construct	NOUN
easat-1102	326	7	's	's	PART
easat-1102	326	8	indicator	indicator	NOUN
easat-1102	326	9	squared	square	VERB
easat-1102	326	10	loadings	loading	NOUN
easat-1102	326	11	determines	determine	VERB
easat-1102	326	12	the	the	DET
easat-1102	326	13	average	average	ADJ
easat-1102	326	14	variance	variance	NOUN
easat-1102	326	15	extract	extract	NOUN
easat-1102	326	16	(	(	PUNCT
easat-1102	326	17	ave	ave	NOUN
easat-1102	326	18	)	)	PUNCT
easat-1102	326	19	.	.	PUNCT
easat-1102	327	1	the	the	DET
easat-1102	327	2	notion	notion	NOUN
easat-1102	327	3	explains	explain	VERB
easat-1102	327	4	50	50	NUM
easat-1102	327	5	%	%	NOUN
easat-1102	327	6	or	or	CCONJ
easat-1102	327	7	more	more	ADJ
easat-1102	327	8	of	of	ADP
easat-1102	327	9	the	the	DET
easat-1102	327	10	indicator	indicator	NOUN
easat-1102	327	11	variance	variance	NOUN
easat-1102	327	12	with	with	ADP
easat-1102	327	13	an	an	DET
easat-1102	327	14	ave	ave	NOUN
easat-1102	327	15	of	of	ADP
easat-1102	327	16	0.50	0.50	NUM
easat-1102	327	17	or	or	CCONJ
easat-1102	327	18	higher	high	ADJ
easat-1102	327	19	[	[	X
easat-1102	327	20	26	26	NUM
easat-1102	327	21	]	]	PUNCT
easat-1102	327	22	.	.	PUNCT
easat-1102	328	1	this	this	DET
easat-1102	328	2	study	study	NOUN
easat-1102	328	3	model	model	NOUN
easat-1102	328	4	's	's	PART
easat-1102	328	5	discriminant	discriminant	ADJ
easat-1102	328	6	validity	validity	NOUN
easat-1102	328	7	is	be	AUX
easat-1102	328	8	evaluated	evaluate	VERB
easat-1102	328	9	.	.	PUNCT
easat-1102	329	1	cross	cros	NOUN
easat-1102	329	2	-	-	NOUN
easat-1102	329	3	loadings	loading	NOUN
easat-1102	329	4	,	,	PUNCT
easat-1102	329	5	fornell	fornell	NOUN
easat-1102	329	6	-	-	PUNCT
easat-1102	329	7	larcker	larcker	NOUN
easat-1102	329	8	,	,	PUNCT
easat-1102	329	9	and	and	CCONJ
easat-1102	329	10	htmt	htmt	NOUN
easat-1102	329	11	tests	test	NOUN
easat-1102	329	12	were	be	AUX
easat-1102	329	13	used	use	VERB
easat-1102	329	14	to	to	PART
easat-1102	329	15	determine	determine	VERB
easat-1102	329	16	discriminant	discriminant	ADJ
easat-1102	329	17	validity	validity	NOUN
easat-1102	329	18	[	[	X
easat-1102	329	19	23	23	NUM
easat-1102	329	20	]	]	PUNCT
easat-1102	329	21	.	.	PUNCT
easat-1102	330	1	the	the	DET
easat-1102	330	2	study	study	NOUN
easat-1102	330	3	,	,	PUNCT
easat-1102	330	4	on	on	ADP
easat-1102	330	5	the	the	DET
easat-1102	330	6	other	other	ADJ
easat-1102	330	7	hand	hand	NOUN
easat-1102	330	8	,	,	PUNCT
easat-1102	330	9	employed	employ	VERB
easat-1102	330	10	composite	composite	ADJ
easat-1102	330	11	reliability	reliability	NOUN
easat-1102	330	12	,	,	PUNCT
easat-1102	330	13	cronbach	cronbach	VERB
easat-1102	330	14	's	's	PART
easat-1102	330	15	alpha	alpha	NOUN
easat-1102	330	16	,	,	PUNCT
easat-1102	330	17	ave	ave	PROPN
easat-1102	330	18	,	,	PUNCT
easat-1102	330	19	and	and	CCONJ
easat-1102	330	20	cross	cross	NOUN
easat-1102	330	21	-	-	NOUN
easat-1102	330	22	loadings	loading	NOUN
easat-1102	330	23	.	.	PUNCT
easat-1102	331	1	these	these	PRON
easat-1102	331	2	are	be	AUX
easat-1102	331	3	detailed	detail	VERB
easat-1102	331	4	in	in	ADP
easat-1102	331	5	the	the	DET
easat-1102	331	6	tables	table	NOUN
easat-1102	331	7	displayed	display	VERB
easat-1102	331	8	below	below	ADV
easat-1102	331	9	.	.	PUNCT
easat-1102	332	1	table	table	NOUN
easat-1102	332	2	3	3	NUM
easat-1102	332	3	.	.	PUNCT
easat-1102	332	4	reliability	reliability	NOUN
easat-1102	332	5	and	and	CCONJ
easat-1102	332	6	convergent	convergent	NOUN
easat-1102	332	7	validity	validity	NOUN
easat-1102	332	8	.	.	PUNCT
easat-1102	333	1	construct	construct	VERB
easat-1102	333	2	indicator	indicator	NOUN
easat-1102	333	3	outer	outer	ADJ
easat-1102	333	4	loading	loading	NOUN
easat-1102	333	5	cronbach	cronbach	NOUN
easat-1102	333	6	's	's	PART
easat-1102	333	7	alpha	alpha	NOUN
easat-1102	333	8	>	>	X
easat-1102	333	9	0.6	0.6	NUM
easat-1102	333	10	composite	composite	ADJ
easat-1102	333	11	reliability	reliability	NOUN
easat-1102	333	12	>	>	PUNCT
easat-1102	333	13	0.7	0.7	NUM
easat-1102	333	14	average	average	ADJ
easat-1102	333	15	variance	variance	NOUN
easat-1102	333	16	extracted	extract	VERB
easat-1102	333	17	(	(	PUNCT
easat-1102	333	18	ave	ave	PROPN
easat-1102	333	19	)	)	PUNCT
easat-1102	333	20	>	>	PUNCT
easat-1102	333	21	0.5	0.5	NUM
easat-1102	333	22	benefits	benefit	NOUN
easat-1102	333	23	of	of	ADP
easat-1102	333	24	mobile	mobile	ADJ
easat-1102	333	25	money	money	NOUN
easat-1102	333	26	system	system	NOUN
easat-1102	333	27	bf_5	bf_5	NOUN
easat-1102	333	28	0.54	0.54	NUM
easat-1102	333	29	0.65	0.65	NUM
easat-1102	333	30	0.78	0.78	NUM
easat-1102	333	31	0.51	0.51	NUM
easat-1102	333	32	bf_7	bf_7	ADV
easat-1102	333	33	0.88	0.88	NUM
easat-1102	333	34	bf_9	bf_9	NOUN
easat-1102	333	35	0.52	0.52	NUM
easat-1102	333	36	challenges	challenge	NOUN
easat-1102	333	37	associated	associate	VERB
easat-1102	333	38	with	with	ADP
easat-1102	333	39	mobile	mobile	ADJ
easat-1102	333	40	money	money	NOUN
easat-1102	333	41	system	system	NOUN
easat-1102	333	42	c_1	c_1	NOUN
easat-1102	333	43	0.61	0.61	NUM
easat-1102	333	44	0.69	0.69	NUM
easat-1102	333	45	0.77	0.77	NUM
easat-1102	333	46	0.53	0.53	NUM
easat-1102	333	47	c_2	c_2	NOUN
easat-1102	333	48	0.80	0.80	NUM
easat-1102	333	49	c_6	c_6	VERB
easat-1102	333	50	0.75	0.75	NUM
easat-1102	333	51	service	service	NOUN
easat-1102	333	52	users	user	NOUN
easat-1102	333	53	’	’	PART
easat-1102	333	54	opinions	opinion	NOUN
easat-1102	333	55	suo_1	suo_1	VERB
easat-1102	333	56	0.84	0.84	NUM
easat-1102	333	57	0.70	0.70	NUM
easat-1102	333	58	0.76	0.76	NUM
easat-1102	333	59	0.53	0.53	NUM
easat-1102	333	60	suo_5	suo_5	NOUN
easat-1102	333	61	0.73	0.73	NUM
easat-1102	333	62	source	source	NOUN
easat-1102	333	63	:	:	PUNCT
easat-1102	333	64	ringle	ringle	NOUN
easat-1102	333	65	,	,	PUNCT
easat-1102	333	66	et	et	PROPN
easat-1102	333	67	al	al	PROPN
easat-1102	333	68	.	.	PUNCT
easat-1102	334	1	[	[	X
easat-1102	334	2	27	27	NUM
easat-1102	334	3	]	]	PUNCT
easat-1102	334	4	.	.	PUNCT
easat-1102	335	1	for	for	ADP
easat-1102	335	2	all	all	DET
easat-1102	335	3	constructs	construct	NOUN
easat-1102	335	4	,	,	PUNCT
easat-1102	335	5	composite	composite	ADJ
easat-1102	335	6	reliability	reliability	NOUN
easat-1102	335	7	is	be	AUX
easat-1102	335	8	greater	great	ADJ
easat-1102	335	9	than	than	ADP
easat-1102	335	10	0.70	0.70	NUM
easat-1102	335	11	but	but	CCONJ
easat-1102	335	12	less	less	ADJ
easat-1102	335	13	than	than	ADP
easat-1102	335	14	0.95	0.95	NUM
easat-1102	336	1	[	[	NOUN
easat-1102	336	2	23	23	NUM
easat-1102	336	3	]	]	PUNCT
easat-1102	336	4	.	.	PUNCT
easat-1102	337	1	this	this	PRON
easat-1102	337	2	is	be	AUX
easat-1102	337	3	within	within	ADP
easat-1102	337	4	acceptable	acceptable	ADJ
easat-1102	337	5	bounds	bound	NOUN
easat-1102	337	6	.	.	PUNCT
easat-1102	338	1	cronbach	cronbach	PROPN
easat-1102	338	2	's	's	PART
easat-1102	338	3	alpha	alpha	ADJ
easat-1102	338	4	values	value	NOUN
easat-1102	338	5	for	for	ADP
easat-1102	338	6	all	all	DET
easat-1102	338	7	research	research	NOUN
easat-1102	338	8	constructs	construct	NOUN
easat-1102	338	9	surpass	surpass	ADJ
easat-1102	338	10	0.6	0.6	NUM
easat-1102	339	1	[	[	X
easat-1102	339	2	23	23	NUM
easat-1102	339	3	]	]	PUNCT
easat-1102	339	4	.	.	PUNCT
easat-1102	340	1	the	the	DET
easat-1102	340	2	analyzed	analyze	VERB
easat-1102	340	3	object	object	NOUN
easat-1102	340	4	has	have	VERB
easat-1102	340	5	ave	ave	NOUN
easat-1102	340	6	values	value	NOUN
easat-1102	340	7	ranging	range	VERB
easat-1102	340	8	from	from	ADP
easat-1102	340	9	0.51	0.51	NUM
easat-1102	340	10	to	to	ADP
easat-1102	340	11	0.53	0.53	NUM
easat-1102	340	12	,	,	PUNCT
easat-1102	340	13	which	which	PRON
easat-1102	340	14	are	be	AUX
easat-1102	340	15	more	more	ADJ
easat-1102	340	16	than	than	ADP
easat-1102	340	17	0.5	0.5	NUM
easat-1102	340	18	[	[	SYM
easat-1102	340	19	23	23	NUM
easat-1102	340	20	]	]	PUNCT
easat-1102	340	21	.	.	PUNCT
easat-1102	341	1	table	table	NOUN
easat-1102	341	2	3	3	NUM
easat-1102	341	3	shows	show	VERB
easat-1102	341	4	that	that	SCONJ
easat-1102	341	5	the	the	DET
easat-1102	341	6	research	research	NOUN
easat-1102	341	7	components	component	NOUN
easat-1102	341	8	have	have	VERB
easat-1102	341	9	excellent	excellent	ADJ
easat-1102	341	10	internal	internal	ADJ
easat-1102	341	11	consistency	consistency	NOUN
easat-1102	341	12	and	and	CCONJ
easat-1102	341	13	explain	explain	VERB
easat-1102	341	14	50	50	NUM
easat-1102	341	15	%	%	NOUN
easat-1102	341	16	or	or	CCONJ
easat-1102	341	17	more	more	ADJ
easat-1102	341	18	of	of	ADP
easat-1102	341	19	the	the	DET
easat-1102	341	20	indicator	indicator	NOUN
easat-1102	341	21	variance	variance	NOUN
easat-1102	341	22	.	.	PUNCT
easat-1102	342	1	4.6	4.6	NUM
easat-1102	342	2	.	.	PUNCT
easat-1102	343	1	discriminant	discriminant	ADJ
easat-1102	343	2	validity	validity	NOUN
easat-1102	343	3	this	this	DET
easat-1102	343	4	study	study	NOUN
easat-1102	343	5	then	then	ADV
easat-1102	343	6	investigates	investigate	VERB
easat-1102	343	7	measures	measure	NOUN
easat-1102	343	8	of	of	ADP
easat-1102	343	9	discriminant	discriminant	ADJ
easat-1102	343	10	validity	validity	NOUN
easat-1102	343	11	.	.	PUNCT
easat-1102	344	1	we	we	PRON
easat-1102	344	2	refer	refer	VERB
easat-1102	344	3	to	to	ADP
easat-1102	344	4	the	the	DET
easat-1102	344	5	degree	degree	NOUN
easat-1102	344	6	of	of	ADP
easat-1102	344	7	difference	difference	NOUN
easat-1102	344	8	between	between	ADP
easat-1102	344	9	variables	variable	NOUN
easat-1102	344	10	as	as	ADP
easat-1102	344	11	discriminant	discriminant	ADJ
easat-1102	344	12	validity	validity	NOUN
easat-1102	344	13	[	[	X
easat-1102	344	14	25	25	NUM
easat-1102	344	15	]	]	PUNCT
easat-1102	344	16	.	.	PUNCT
easat-1102	345	1	that	that	PRON
easat-1102	345	2	is	be	AUX
easat-1102	345	3	how	how	SCONJ
easat-1102	345	4	empirically	empirically	ADV
easat-1102	345	5	distinct	distinct	ADJ
easat-1102	345	6	a	a	DET
easat-1102	345	7	construct	construct	NOUN
easat-1102	345	8	is	be	AUX
easat-1102	345	9	.	.	PUNCT
easat-1102	346	1	discriminant	discriminant	ADJ
easat-1102	346	2	validity	validity	NOUN
easat-1102	346	3	indicates	indicate	VERB
easat-1102	346	4	that	that	SCONJ
easat-1102	346	5	a	a	DET
easat-1102	346	6	construct	construct	NOUN
easat-1102	346	7	is	be	AUX
easat-1102	346	8	distinct	distinct	ADJ
easat-1102	346	9	and	and	CCONJ
easat-1102	346	10	captures	capture	VERB
easat-1102	346	11	phenomena	phenomenon	NOUN
easat-1102	346	12	that	that	SCONJ
easat-1102	346	13	other	other	ADJ
easat-1102	346	14	constructs	construct	NOUN
easat-1102	346	15	in	in	ADP
easat-1102	346	16	the	the	DET
easat-1102	346	17	model	model	NOUN
easat-1102	346	18	do	do	VERB
easat-1102	346	19	not	not	PART
easat-1102	346	20	.	.	PUNCT
easat-1102	347	1	the	the	DET
easat-1102	347	2	study	study	NOUN
easat-1102	347	3	used	use	VERB
easat-1102	347	4	cross	cros	NOUN
easat-1102	347	5	-	-	NOUN
easat-1102	347	6	loadings	loading	NOUN
easat-1102	347	7	to	to	PART
easat-1102	347	8	examine	examine	VERB
easat-1102	347	9	the	the	DET
easat-1102	347	10	discriminant	discriminant	ADJ
easat-1102	347	11	validity	validity	NOUN
easat-1102	347	12	of	of	ADP
easat-1102	347	13	indicators	indicator	NOUN
easat-1102	347	14	.	.	PUNCT
easat-1102	348	1	it	it	PRON
easat-1102	348	2	initially	initially	ADV
easat-1102	348	3	supports	support	VERB
easat-1102	348	4	the	the	DET
easat-1102	348	5	reflecting	reflect	VERB
easat-1102	348	6	construct	construct	NOUN
easat-1102	348	7	and	and	CCONJ
easat-1102	348	8	discriminant	discriminant	ADJ
easat-1102	348	9	validity	validity	NOUN
easat-1102	348	10	because	because	SCONJ
easat-1102	348	11	each	each	DET
easat-1102	348	12	reflective	reflective	ADJ
easat-1102	348	13	indicator	indicator	NOUN
easat-1102	348	14	should	should	AUX
easat-1102	348	15	load	load	VERB
easat-1102	348	16	the	the	DET
easat-1102	348	17	connected	connect	VERB
easat-1102	348	18	construct	construct	NOUN
easat-1102	348	19	the	the	DET
easat-1102	348	20	most	most	ADJ
easat-1102	348	21	.	.	PUNCT
easat-1102	349	1	table	table	NOUN
easat-1102	349	2	4	4	NUM
easat-1102	349	3	demonstrates	demonstrate	VERB
easat-1102	349	4	that	that	SCONJ
easat-1102	349	5	a	a	DET
easat-1102	349	6	table	table	NOUN
easat-1102	349	7	with	with	ADP
easat-1102	349	8	rows	row	NOUN
easat-1102	349	9	for	for	ADP
easat-1102	349	10	indicators	indicator	NOUN
easat-1102	349	11	66	66	NUM
easat-1102	349	12	edelweiss	edelweiss	PROPN
easat-1102	349	13	applied	apply	VERB
easat-1102	349	14	science	science	NOUN
easat-1102	349	15	and	and	CCONJ
easat-1102	349	16	technology	technology	NOUN
easat-1102	349	17	issn	issn	PROPN
easat-1102	349	18	:	:	PUNCT
easat-1102	349	19	2576	2576	NUM
easat-1102	349	20	-	-	SYM
easat-1102	349	21	8484	8484	NUM
easat-1102	349	22	vol	vol	NOUN
easat-1102	349	23	.	.	PROPN
easat-1102	349	24	8	8	NUM
easat-1102	349	25	,	,	PUNCT
easat-1102	349	26	no	no	INTJ
easat-1102	349	27	.	.	NOUN
easat-1102	350	1	4	4	NUM
easat-1102	350	2	:	:	SYM
easat-1102	350	3	56	56	NUM
easat-1102	350	4	-	-	SYM
easat-1102	350	5	69	69	NUM
easat-1102	350	6	,	,	PUNCT
easat-1102	350	7	2024	2024	NUM
easat-1102	350	8	doi	doi	NOUN
easat-1102	350	9	:	:	PUNCT
easat-1102	350	10	10.55214/25768484.v8i4.1102	10.55214/25768484.v8i4.1102	NUM
easat-1102	350	11	©	©	ADP
easat-1102	350	12	2024	2024	NUM
easat-1102	350	13	by	by	ADP
easat-1102	350	14	the	the	DET
easat-1102	350	15	authors	author	NOUN
easat-1102	350	16	;	;	PUNCT
easat-1102	350	17	licensee	licensee	PROPN
easat-1102	350	18	learning	learning	NOUN
easat-1102	350	19	gate	gate	NOUN
easat-1102	350	20	and	and	CCONJ
easat-1102	350	21	columns	column	NOUN
easat-1102	350	22	for	for	ADP
easat-1102	350	23	the	the	DET
easat-1102	350	24	latent	latent	NOUN
easat-1102	350	25	variable	variable	NOUN
easat-1102	350	26	is	be	AUX
easat-1102	350	27	best	good	ADJ
easat-1102	350	28	for	for	ADP
easat-1102	350	29	assessing	assess	VERB
easat-1102	350	30	and	and	CCONJ
easat-1102	350	31	reporting	report	VERB
easat-1102	350	32	cross	cross	NOUN
easat-1102	350	33	-	-	ADJ
easat-1102	350	34	loading	loading	NOUN
easat-1102	350	35	.	.	PUNCT
easat-1102	351	1	cross	cross	ADJ
easat-1102	351	2	-	-	NOUN
easat-1102	351	3	loading	loading	NOUN
easat-1102	351	4	from	from	ADP
easat-1102	351	5	table	table	NOUN
easat-1102	351	6	4	4	NUM
easat-1102	351	7	confirms	confirm	VERB
easat-1102	351	8	the	the	DET
easat-1102	351	9	discriminant	discriminant	ADJ
easat-1102	351	10	validity	validity	NOUN
easat-1102	351	11	of	of	ADP
easat-1102	351	12	the	the	DET
easat-1102	351	13	study	study	NOUN
easat-1102	351	14	's	's	PART
easat-1102	351	15	reflective	reflective	ADJ
easat-1102	351	16	constructs	construct	NOUN
easat-1102	351	17	,	,	PUNCT
easat-1102	351	18	as	as	SCONJ
easat-1102	351	19	each	each	DET
easat-1102	351	20	reflective	reflective	ADJ
easat-1102	351	21	indicator	indicator	NOUN
easat-1102	351	22	loads	load	VERB
easat-1102	351	23	the	the	DET
easat-1102	351	24	most	most	ADJ
easat-1102	351	25	on	on	ADP
easat-1102	351	26	its	its	PRON
easat-1102	351	27	own	own	ADJ
easat-1102	351	28	.	.	PUNCT
easat-1102	352	1	table	table	NOUN
easat-1102	352	2	4	4	NUM
easat-1102	352	3	.	.	PUNCT
easat-1102	353	1	cross	cross	ADJ
easat-1102	353	2	-	-	ADJ
easat-1102	353	3	factor	factor	NOUN
easat-1102	353	4	loading	loading	NOUN
easat-1102	353	5	of	of	ADP
easat-1102	353	6	the	the	DET
easat-1102	353	7	construct	construct	NOUN
easat-1102	353	8	.	.	PUNCT
easat-1102	354	1	construct	construct	VERB
easat-1102	354	2	benefits	benefit	NOUN
easat-1102	354	3	of	of	ADP
easat-1102	354	4	mobile	mobile	ADJ
easat-1102	354	5	money	money	NOUN
easat-1102	354	6	system	system	NOUN
easat-1102	354	7	challenges	challenge	NOUN
easat-1102	354	8	associated	associate	VERB
easat-1102	354	9	with	with	ADP
easat-1102	354	10	mobile	mobile	ADJ
easat-1102	354	11	money	money	NOUN
easat-1102	354	12	system	system	NOUN
easat-1102	354	13	service	service	NOUN
easat-1102	354	14	users	user	NOUN
easat-1102	354	15	’	’	PART
easat-1102	354	16	opinions	opinion	NOUN
easat-1102	354	17	bf_5	bf_5	NOUN
easat-1102	354	18	0.54	0.54	NUM
easat-1102	354	19	0.21	0.21	NUM
easat-1102	354	20	0.20	0.20	NUM
easat-1102	354	21	bf_7	bf_7	ADV
easat-1102	354	22	0.88	0.88	NUM
easat-1102	354	23	0.61	0.61	NUM
easat-1102	354	24	0.39	0.39	NUM
easat-1102	354	25	bf_9	bf_9	NOUN
easat-1102	354	26	0.52	0.52	NUM
easat-1102	354	27	0.22	0.22	NUM
easat-1102	354	28	0.13	0.13	NUM
easat-1102	354	29	c_1	c_1	PROPN
easat-1102	354	30	0.60	0.60	NUM
easat-1102	354	31	0.61	0.61	NUM
easat-1102	354	32	0.39	0.39	NUM
easat-1102	354	33	c_2	c_2	NOUN
easat-1102	354	34	0.32	0.32	NUM
easat-1102	354	35	0.80	0.80	NUM
easat-1102	354	36	0.76	0.76	NUM
easat-1102	354	37	c_6	c_6	VERB
easat-1102	354	38	0.39	0.39	NUM
easat-1102	354	39	0.75	0.75	NUM
easat-1102	354	40	0.70	0.70	NUM
easat-1102	354	41	suo_1	suo_1	NOUN
easat-1102	355	1	0.32	0.32	NUM
easat-1102	355	2	0.80	0.80	NUM
easat-1102	355	3	0.84	0.84	NUM
easat-1102	355	4	suo_5	suo_5	PROPN
easat-1102	355	5	0.34	0.34	NUM
easat-1102	355	6	0.66	0.66	NUM
easat-1102	355	7	0.73	0.73	NUM
easat-1102	355	8	source	source	NOUN
easat-1102	355	9	:	:	PUNCT
easat-1102	355	10	ringle	ringle	NOUN
easat-1102	355	11	,	,	PUNCT
easat-1102	355	12	et	et	PROPN
easat-1102	355	13	al	al	PROPN
easat-1102	355	14	.	.	PUNCT
easat-1102	356	1	[	[	X
easat-1102	356	2	27	27	NUM
easat-1102	356	3	]	]	PUNCT
easat-1102	356	4	.	.	PUNCT
easat-1102	357	1	4.7	4.7	NUM
easat-1102	357	2	.	.	PUNCT
easat-1102	357	3	discussion	discussion	NOUN
easat-1102	357	4	of	of	ADP
easat-1102	357	5	hypotheses	hypothesis	NOUN
easat-1102	357	6	in	in	ADP
easat-1102	357	7	this	this	DET
easat-1102	357	8	study	study	NOUN
easat-1102	357	9	,	,	PUNCT
easat-1102	357	10	hypotheses	hypothesis	NOUN
easat-1102	357	11	must	must	AUX
easat-1102	357	12	be	be	AUX
easat-1102	357	13	tested	test	VERB
easat-1102	357	14	.	.	PUNCT
easat-1102	358	1	to	to	PART
easat-1102	358	2	respond	respond	VERB
easat-1102	358	3	to	to	ADP
easat-1102	358	4	the	the	DET
easat-1102	358	5	research	research	NOUN
easat-1102	358	6	question	question	NOUN
easat-1102	358	7	,	,	PUNCT
easat-1102	358	8	develop	develop	VERB
easat-1102	358	9	and	and	CCONJ
easat-1102	358	10	test	test	VERB
easat-1102	358	11	a	a	DET
easat-1102	358	12	wellthought	wellthought	ADJ
easat-1102	358	13	-	-	PUNCT
easat-1102	358	14	out	out	ADP
easat-1102	358	15	hypothesis	hypothesis	NOUN
easat-1102	358	16	.	.	PUNCT
easat-1102	359	1	hypotheses	hypothesis	NOUN
easat-1102	359	2	were	be	AUX
easat-1102	359	3	developed	develop	VERB
easat-1102	359	4	for	for	ADP
easat-1102	359	5	the	the	DET
easat-1102	359	6	study	study	NOUN
easat-1102	359	7	's	's	PART
easat-1102	359	8	outcome	outcome	NOUN
easat-1102	359	9	as	as	ADP
easat-1102	359	10	relationship	relationship	NOUN
easat-1102	359	11	assertions	assertion	NOUN
easat-1102	359	12	between	between	ADP
easat-1102	359	13	two	two	NUM
easat-1102	359	14	or	or	CCONJ
easat-1102	359	15	more	more	ADV
easat-1102	359	16	quantifiable	quantifiable	ADJ
easat-1102	359	17	variables	variable	NOUN
easat-1102	359	18	[	[	X
easat-1102	359	19	28	28	NUM
easat-1102	359	20	]	]	PUNCT
easat-1102	359	21	.	.	PUNCT
easat-1102	360	1	using	use	VERB
easat-1102	360	2	logical	logical	ADJ
easat-1102	360	3	methodologies	methodology	NOUN
easat-1102	360	4	,	,	PUNCT
easat-1102	360	5	testable	testable	ADJ
easat-1102	360	6	,	,	PUNCT
easat-1102	360	7	falsifiable	falsifiable	ADJ
easat-1102	360	8	,	,	PUNCT
easat-1102	360	9	and	and	CCONJ
easat-1102	360	10	realistic	realistic	ADJ
easat-1102	360	11	hypotheses	hypothesis	NOUN
easat-1102	360	12	were	be	AUX
easat-1102	360	13	developed	develop	VERB
easat-1102	360	14	.	.	PUNCT
easat-1102	361	1	we	we	PRON
easat-1102	361	2	used	use	VERB
easat-1102	361	3	t	t	PROPN
easat-1102	361	4	-	-	PUNCT
easat-1102	361	5	values	value	NOUN
easat-1102	361	6	and	and	CCONJ
easat-1102	361	7	p	p	NOUN
easat-1102	361	8	-	-	PUNCT
easat-1102	361	9	values	value	NOUN
easat-1102	361	10	to	to	PART
easat-1102	361	11	analyze	analyze	VERB
easat-1102	361	12	hypotheses	hypothesis	NOUN
easat-1102	361	13	.	.	PUNCT
easat-1102	362	1	the	the	DET
easat-1102	362	2	significance	significance	NOUN
easat-1102	362	3	level	level	NOUN
easat-1102	362	4	for	for	ADP
easat-1102	362	5	t	t	NOUN
easat-1102	362	6	-	-	PUNCT
easat-1102	362	7	values	value	NOUN
easat-1102	362	8	was	be	AUX
easat-1102	362	9	adjusted	adjust	VERB
easat-1102	362	10	to	to	ADP
easat-1102	362	11	>	>	X
easat-1102	362	12	1.28	1.28	NUM
easat-1102	362	13	(	(	PUNCT
easat-1102	362	14	significant	significant	ADJ
easat-1102	362	15	level	level	NOUN
easat-1102	362	16	=	=	SYM
easat-1102	362	17	10	10	NUM
easat-1102	362	18	%	%	NOUN
easat-1102	362	19	)	)	PUNCT
easat-1102	362	20	,	,	PUNCT
easat-1102	362	21	>	>	X
easat-1102	362	22	1.65	1.65	NUM
easat-1102	362	23	(	(	PUNCT
easat-1102	362	24	significant	significant	ADJ
easat-1102	362	25	level	level	NOUN
easat-1102	362	26	=	=	SYM
easat-1102	362	27	5	5	NUM
easat-1102	362	28	%	%	NOUN
easat-1102	362	29	)	)	PUNCT
easat-1102	362	30	,	,	PUNCT
easat-1102	362	31	and	and	CCONJ
easat-1102	362	32	>	>	PUNCT
easat-1102	362	33	2.33	2.33	NUM
easat-1102	362	34	(	(	PUNCT
easat-1102	362	35	significant	significant	ADJ
easat-1102	362	36	level	level	NOUN
easat-1102	362	37	=	=	SYM
easat-1102	362	38	1	1	NUM
easat-1102	362	39	%	%	NOUN
easat-1102	362	40	)	)	PUNCT
easat-1102	362	41	.	.	PUNCT
easat-1102	363	1	the	the	DET
easat-1102	363	2	p	p	NOUN
easat-1102	363	3	-	-	PUNCT
easat-1102	363	4	values	value	NOUN
easat-1102	363	5	were	be	AUX
easat-1102	363	6	set	set	VERB
easat-1102	363	7	to	to	PART
easat-1102	363	8	be	be	AUX
easat-1102	363	9	significant	significant	ADJ
easat-1102	363	10	at	at	ADP
easat-1102	363	11	the	the	DET
easat-1102	363	12	following	following	ADJ
easat-1102	363	13	levels	level	NOUN
easat-1102	363	14	:	:	PUNCT
easat-1102	363	15	0.10	0.10	NUM
easat-1102	363	16	for	for	ADP
easat-1102	363	17	*	*	NOUN
easat-1102	363	18	,	,	PUNCT
easat-1102	363	19	0.05	0.05	NUM
easat-1102	363	20	for	for	ADP
easat-1102	363	21	*	*	PROPN
easat-1102	363	22	*	*	PUNCT
easat-1102	363	23	,	,	PUNCT
easat-1102	363	24	and	and	CCONJ
easat-1102	363	25	0.01	0.01	NUM
easat-1102	363	26	for	for	ADP
easat-1102	363	27	*	*	NOUN
easat-1102	363	28	*	*	PUNCT
easat-1102	363	29	*	*	PUNCT
easat-1102	364	1	[	[	X
easat-1102	364	2	24	24	NUM
easat-1102	364	3	]	]	PUNCT
easat-1102	364	4	.	.	PUNCT
easat-1102	365	1	the	the	DET
easat-1102	365	2	relationship	relationship	NOUN
easat-1102	365	3	is	be	AUX
easat-1102	365	4	supported	support	VERB
easat-1102	365	5	if	if	SCONJ
easat-1102	365	6	the	the	DET
easat-1102	365	7	p	p	NOUN
easat-1102	365	8	-	-	PUNCT
easat-1102	365	9	values	value	NOUN
easat-1102	365	10	fall	fall	VERB
easat-1102	365	11	within	within	ADP
easat-1102	365	12	these	these	DET
easat-1102	365	13	three	three	NUM
easat-1102	365	14	ranges	range	NOUN
easat-1102	365	15	.	.	PUNCT
easat-1102	366	1	table	table	NOUN
easat-1102	366	2	5	5	NUM
easat-1102	366	3	displays	display	VERB
easat-1102	366	4	the	the	DET
easat-1102	366	5	results	result	NOUN
easat-1102	366	6	of	of	ADP
easat-1102	366	7	the	the	DET
easat-1102	366	8	research	research	NOUN
easat-1102	366	9	hypothesis	hypothesis	NOUN
easat-1102	366	10	testing	testing	NOUN
easat-1102	366	11	.	.	PUNCT
easat-1102	367	1	table	table	NOUN
easat-1102	367	2	5	5	NUM
easat-1102	367	3	.	.	PUNCT
easat-1102	368	1	summary	summary	NOUN
easat-1102	368	2	of	of	ADP
easat-1102	368	3	hypotheses	hypothesis	NOUN
easat-1102	368	4	testing	testing	NOUN
easat-1102	368	5	.	.	PUNCT
easat-1102	369	1	hypothesis	hypothesis	NOUN
easat-1102	369	2	description	description	NOUN
easat-1102	369	3	t	t	PROPN
easat-1102	369	4	values	value	VERB
easat-1102	369	5	p	p	NOUN
easat-1102	369	6	values	value	NOUN
easat-1102	369	7	significant	significant	ADJ
easat-1102	369	8	level	level	NOUN
easat-1102	369	9	results	result	NOUN
easat-1102	369	10	h1	h1	VERB
easat-1102	369	11	bf	bf	NOUN
easat-1102	369	12	_	_	PUNCT
easat-1102	369	13	-	-	PUNCT
easat-1102	369	14	>	>	X
easat-1102	369	15	suo	suo	X
easat-1102	369	16	6.24	6.24	NUM
easat-1102	369	17	0.00	0.00	NUM
easat-1102	369	18	*	*	PUNCT
easat-1102	369	19	*	*	PUNCT
easat-1102	369	20	*	*	PUNCT
easat-1102	369	21	supported	support	VERB
easat-1102	369	22	h2	h2	NOUN
easat-1102	369	23	c	c	X
easat-1102	369	24	_	_	PUNCT
easat-1102	369	25	-	-	PUNCT
easat-1102	369	26	>	>	X
easat-1102	369	27	suo	suo	X
easat-1102	369	28	_	_	NOUN
easat-1102	369	29	32.96	32.96	NUM
easat-1102	369	30	0.00	0.00	NUM
easat-1102	369	31	*	*	PUNCT
easat-1102	369	32	*	*	PUNCT
easat-1102	369	33	*	*	PUNCT
easat-1102	369	34	supported	support	VERB
easat-1102	369	35	note	note	NOUN
easat-1102	369	36	:	:	PUNCT
easat-1102	369	37	significant	significant	ADJ
easat-1102	369	38	value	value	NOUN
easat-1102	369	39	:	:	PUNCT
easat-1102	369	40	(	(	PUNCT
easat-1102	369	41	*	*	PUNCT
easat-1102	369	42	*	*	PUNCT
easat-1102	369	43	*	*	PUNCT
easat-1102	369	44	p	p	X
easat-1102	369	45	<	<	X
easat-1102	369	46	0.01	0.01	NUM
easat-1102	369	47	and	and	CCONJ
easat-1102	369	48	ns	ns	ADJ
easat-1102	369	49	:	:	PUNCT
easat-1102	369	50	not	not	PART
easat-1102	369	51	significant	significant	ADJ
easat-1102	369	52	)	)	PUNCT
easat-1102	369	53	.	.	PUNCT
easat-1102	370	1	source	source	NOUN
easat-1102	370	2	:	:	PUNCT
easat-1102	370	3	ringle	ringle	NOUN
easat-1102	370	4	,	,	PUNCT
easat-1102	370	5	et	et	PROPN
easat-1102	370	6	al	al	PROPN
easat-1102	370	7	.	.	PUNCT
easat-1102	371	1	[	[	X
easat-1102	371	2	27	27	NUM
easat-1102	371	3	]	]	PUNCT
easat-1102	371	4	.	.	PUNCT
easat-1102	372	1	table	table	NOUN
easat-1102	372	2	5	5	NUM
easat-1102	372	3	shows	show	VERB
easat-1102	372	4	that	that	SCONJ
easat-1102	372	5	service	service	NOUN
easat-1102	372	6	users	user	NOUN
easat-1102	372	7	'	'	PART
easat-1102	372	8	perceptions	perception	NOUN
easat-1102	372	9	have	have	AUX
easat-1102	372	10	supported	support	VERB
easat-1102	372	11	the	the	DET
easat-1102	372	12	links	link	NOUN
easat-1102	372	13	between	between	ADP
easat-1102	372	14	the	the	DET
easat-1102	372	15	benefits	benefit	NOUN
easat-1102	372	16	of	of	ADP
easat-1102	372	17	mobile	mobile	ADJ
easat-1102	372	18	money	money	NOUN
easat-1102	372	19	systems	system	NOUN
easat-1102	372	20	and	and	CCONJ
easat-1102	372	21	the	the	DET
easat-1102	372	22	obstacles	obstacle	NOUN
easat-1102	372	23	associated	associate	VERB
easat-1102	372	24	with	with	ADP
easat-1102	372	25	these	these	DET
easat-1102	372	26	systems	system	NOUN
easat-1102	372	27	.	.	PUNCT
easat-1102	373	1	that	that	PRON
easat-1102	373	2	is	be	AUX
easat-1102	373	3	all	all	DET
easat-1102	373	4	the	the	DET
easat-1102	373	5	evidence	evidence	NOUN
easat-1102	373	6	for	for	ADP
easat-1102	373	7	the	the	DET
easat-1102	373	8	two	two	NUM
easat-1102	373	9	hypotheses	hypothesis	NOUN
easat-1102	373	10	.	.	PUNCT
easat-1102	374	1	each	each	DET
easat-1102	374	2	hypothesis	hypothesis	NOUN
easat-1102	374	3	is	be	AUX
easat-1102	374	4	thoroughly	thoroughly	ADV
easat-1102	374	5	examined	examine	VERB
easat-1102	374	6	.	.	PUNCT
easat-1102	375	1	hypothesis	hypothesis	NOUN
easat-1102	375	2	1	1	NUM
easat-1102	375	3	:	:	PUNCT
easat-1102	375	4	benefits	benefit	NOUN
easat-1102	375	5	of	of	ADP
easat-1102	375	6	mobile	mobile	ADJ
easat-1102	375	7	money	money	NOUN
easat-1102	375	8	systems	system	NOUN
easat-1102	375	9	will	will	AUX
easat-1102	375	10	positively	positively	ADV
easat-1102	375	11	influence	influence	VERB
easat-1102	375	12	users	user	NOUN
easat-1102	375	13	’	’	PART
easat-1102	375	14	opinions	opinion	NOUN
easat-1102	375	15	to	to	PART
easat-1102	375	16	patronize	patronize	VERB
easat-1102	375	17	the	the	DET
easat-1102	375	18	hypothesis	hypothesis	NOUN
easat-1102	375	19	testing	testing	NOUN
easat-1102	375	20	in	in	ADP
easat-1102	375	21	the	the	DET
easat-1102	375	22	study	study	NOUN
easat-1102	375	23	indicates	indicate	VERB
easat-1102	375	24	that	that	SCONJ
easat-1102	375	25	the	the	DET
easat-1102	375	26	benefits	benefit	NOUN
easat-1102	375	27	of	of	ADP
easat-1102	375	28	mobile	mobile	ADJ
easat-1102	375	29	money	money	NOUN
easat-1102	375	30	systems	system	NOUN
easat-1102	375	31	will	will	AUX
easat-1102	375	32	positively	positively	ADV
easat-1102	375	33	improve	improve	VERB
easat-1102	375	34	service	service	NOUN
easat-1102	375	35	consumers	consumer	NOUN
easat-1102	375	36	'	'	PART
easat-1102	375	37	attitudes	attitude	NOUN
easat-1102	375	38	toward	toward	ADP
easat-1102	375	39	patronizing	patronizing	NOUN
easat-1102	375	40	in	in	ADP
easat-1102	375	41	the	the	DET
easat-1102	375	42	bolgatanga	bolgatanga	NOUN
easat-1102	375	43	municipality	municipality	NOUN
easat-1102	375	44	.	.	PUNCT
easat-1102	376	1	the	the	DET
easat-1102	376	2	hypothesis	hypothesis	NOUN
easat-1102	376	3	h1	h1	NOUN
easat-1102	376	4	receives	receive	VERB
easat-1102	376	5	support	support	NOUN
easat-1102	376	6	from	from	ADP
easat-1102	376	7	t	t	PROPN
easat-1102	376	8	=	=	NUM
easat-1102	376	9	6.24	6.24	NUM
easat-1102	376	10	and	and	CCONJ
easat-1102	376	11	p	p	X
easat-1102	376	12	=	=	NOUN
easat-1102	376	13	0.00	0.00	NUM
easat-1102	376	14	.	.	PUNCT
easat-1102	377	1	this	this	DET
easat-1102	377	2	research	research	NOUN
easat-1102	377	3	backs	back	VERB
easat-1102	377	4	up	up	ADP
easat-1102	377	5	previous	previous	ADJ
easat-1102	377	6	findings	finding	NOUN
easat-1102	377	7	about	about	ADP
easat-1102	377	8	the	the	DET
easat-1102	377	9	advantages	advantage	NOUN
easat-1102	377	10	of	of	ADP
easat-1102	377	11	mobile	mobile	ADJ
easat-1102	377	12	money	money	NOUN
easat-1102	377	13	.	.	PUNCT
easat-1102	378	1	mobile	mobile	ADJ
easat-1102	378	2	money	money	NOUN
easat-1102	378	3	has	have	AUX
easat-1102	378	4	become	become	VERB
easat-1102	378	5	a	a	DET
easat-1102	378	6	popular	popular	ADJ
easat-1102	378	7	financial	financial	ADJ
easat-1102	378	8	service	service	NOUN
easat-1102	378	9	in	in	ADP
easat-1102	378	10	developing	develop	VERB
easat-1102	378	11	countries	country	NOUN
easat-1102	378	12	because	because	SCONJ
easat-1102	378	13	it	it	PRON
easat-1102	378	14	reduces	reduce	VERB
easat-1102	378	15	transaction	transaction	NOUN
easat-1102	378	16	costs	cost	NOUN
easat-1102	378	17	and	and	CCONJ
easat-1102	378	18	remittances	remittance	NOUN
easat-1102	378	19	while	while	SCONJ
easat-1102	378	20	also	also	ADV
easat-1102	378	21	allowing	allow	VERB
easat-1102	378	22	users	user	NOUN
easat-1102	378	23	to	to	PART
easat-1102	378	24	open	open	VERB
easat-1102	378	25	safe	safe	ADJ
easat-1102	378	26	savings	saving	NOUN
easat-1102	378	27	accounts	account	NOUN
easat-1102	378	28	and	and	CCONJ
easat-1102	378	29	access	access	NOUN
easat-1102	378	30	services	service	NOUN
easat-1102	378	31	remotely	remotely	ADV
easat-1102	379	1	[	[	X
easat-1102	379	2	5	5	NUM
easat-1102	379	3	]	]	PUNCT
easat-1102	379	4	.	.	PUNCT
easat-1102	380	1	users	user	NOUN
easat-1102	380	2	of	of	ADP
easat-1102	380	3	mobile	mobile	ADJ
easat-1102	380	4	money	money	NOUN
easat-1102	380	5	can	can	AUX
easat-1102	380	6	deposit	deposit	VERB
easat-1102	380	7	,	,	PUNCT
easat-1102	380	8	transfer	transfer	NOUN
easat-1102	380	9	,	,	PUNCT
easat-1102	380	10	and	and	CCONJ
easat-1102	380	11	withdraw	withdraw	VERB
easat-1102	380	12	money	money	NOUN
easat-1102	380	13	without	without	ADP
easat-1102	380	14	having	have	VERB
easat-1102	380	15	a	a	DET
easat-1102	380	16	bank	bank	NOUN
easat-1102	380	17	account	account	NOUN
easat-1102	380	18	.	.	PUNCT
easat-1102	381	1	it	it	PRON
easat-1102	381	2	also	also	ADV
easat-1102	381	3	reduces	reduce	VERB
easat-1102	381	4	transaction	transaction	NOUN
easat-1102	381	5	costs	cost	NOUN
easat-1102	381	6	while	while	SCONJ
easat-1102	381	7	improving	improve	VERB
easat-1102	381	8	convenience	convenience	NOUN
easat-1102	381	9	,	,	PUNCT
easat-1102	381	10	security	security	NOUN
easat-1102	381	11	,	,	PUNCT
easat-1102	381	12	and	and	CCONJ
easat-1102	381	13	speed	speed	NOUN
easat-1102	381	14	[	[	X
easat-1102	381	15	1	1	NUM
easat-1102	381	16	,	,	PUNCT
easat-1102	381	17	3	3	NUM
easat-1102	381	18	,	,	PUNCT
easat-1102	381	19	5	5	NUM
easat-1102	381	20	,	,	PUNCT
easat-1102	381	21	26	26	NUM
easat-1102	381	22	]	]	PUNCT
easat-1102	381	23	.	.	PUNCT
easat-1102	382	1	it	it	PRON
easat-1102	382	2	has	have	AUX
easat-1102	382	3	alleviated	alleviate	VERB
easat-1102	382	4	the	the	DET
easat-1102	382	5	asymmetric	asymmetric	ADJ
easat-1102	382	6	information	information	NOUN
easat-1102	382	7	constraint	constraint	NOUN
easat-1102	382	8	that	that	PRON
easat-1102	382	9	traditional	traditional	ADJ
easat-1102	382	10	67	67	NUM
easat-1102	382	11	edelweiss	edelweiss	PROPN
easat-1102	382	12	applied	apply	VERB
easat-1102	382	13	science	science	NOUN
easat-1102	382	14	and	and	CCONJ
easat-1102	382	15	technology	technology	NOUN
easat-1102	382	16	issn	issn	PROPN
easat-1102	382	17	:	:	PUNCT
easat-1102	382	18	2576	2576	NUM
easat-1102	382	19	-	-	SYM
easat-1102	382	20	8484	8484	NUM
easat-1102	382	21	vol	vol	NOUN
easat-1102	382	22	.	.	PROPN
easat-1102	383	1	8	8	NUM
easat-1102	383	2	,	,	PUNCT
easat-1102	383	3	no	no	INTJ
easat-1102	383	4	.	.	NOUN
easat-1102	384	1	4	4	NUM
easat-1102	384	2	:	:	SYM
easat-1102	384	3	56	56	NUM
easat-1102	384	4	-	-	SYM
easat-1102	384	5	69	69	NUM
easat-1102	384	6	,	,	PUNCT
easat-1102	384	7	2024	2024	NUM
easat-1102	384	8	doi	doi	NOUN
easat-1102	384	9	:	:	PUNCT
easat-1102	384	10	10.55214/25768484.v8i4.1102	10.55214/25768484.v8i4.1102	NUM
easat-1102	384	11	©	©	ADP
easat-1102	384	12	2024	2024	NUM
easat-1102	384	13	by	by	ADP
easat-1102	384	14	the	the	DET
easat-1102	384	15	authors	author	NOUN
easat-1102	384	16	;	;	PUNCT
easat-1102	384	17	licensee	licensee	PROPN
easat-1102	384	18	learning	learn	VERB
easat-1102	384	19	gate	gate	NOUN
easat-1102	384	20	banks	bank	NOUN
easat-1102	384	21	confront	confront	VERB
easat-1102	384	22	when	when	SCONJ
easat-1102	384	23	lending	lend	VERB
easat-1102	384	24	to	to	ADP
easat-1102	384	25	the	the	DET
easat-1102	384	26	collateral	collateral	NOUN
easat-1102	384	27	-	-	PUNCT
easat-1102	384	28	less	less	ADV
easat-1102	384	29	poor	poor	ADJ
easat-1102	384	30	,	,	PUNCT
easat-1102	384	31	enabling	enable	VERB
easat-1102	384	32	the	the	DET
easat-1102	384	33	unbanked	unbanked	NOUN
easat-1102	384	34	to	to	PART
easat-1102	384	35	track	track	VERB
easat-1102	384	36	their	their	PRON
easat-1102	384	37	financial	financial	ADJ
easat-1102	384	38	transactions	transaction	NOUN
easat-1102	384	39	in	in	ADP
easat-1102	384	40	real	real	ADJ
easat-1102	384	41	time	time	NOUN
easat-1102	384	42	[	[	X
easat-1102	384	43	9	9	NUM
easat-1102	384	44	]	]	PUNCT
easat-1102	384	45	.	.	PUNCT
easat-1102	385	1	hypothesis	hypothesis	NOUN
easat-1102	385	2	2	2	NUM
easat-1102	385	3	:	:	PUNCT
easat-1102	385	4	challenges	challenge	NOUN
easat-1102	385	5	associated	associate	VERB
easat-1102	385	6	with	with	ADP
easat-1102	385	7	mobile	mobile	ADJ
easat-1102	385	8	money	money	NOUN
easat-1102	385	9	systems	system	NOUN
easat-1102	385	10	will	will	AUX
easat-1102	385	11	negatively	negatively	ADV
easat-1102	385	12	influence	influence	VERB
easat-1102	385	13	users	user	NOUN
easat-1102	385	14	’	’	PART
easat-1102	385	15	opinions	opinion	NOUN
easat-1102	385	16	to	to	PART
easat-1102	385	17	patronize	patronize	VERB
easat-1102	385	18	.	.	PUNCT
easat-1102	386	1	according	accord	VERB
easat-1102	386	2	to	to	ADP
easat-1102	386	3	table	table	NOUN
easat-1102	386	4	5	5	NUM
easat-1102	386	5	,	,	PUNCT
easat-1102	386	6	the	the	DET
easat-1102	386	7	difficulties	difficulty	NOUN
easat-1102	386	8	associated	associate	VERB
easat-1102	386	9	with	with	ADP
easat-1102	386	10	mobile	mobile	ADJ
easat-1102	386	11	money	money	NOUN
easat-1102	386	12	systems	system	NOUN
easat-1102	386	13	will	will	AUX
easat-1102	386	14	have	have	VERB
easat-1102	386	15	a	a	DET
easat-1102	386	16	negative	negative	ADJ
easat-1102	386	17	impact	impact	NOUN
easat-1102	386	18	on	on	ADP
easat-1102	386	19	consumers	consumer	NOUN
easat-1102	386	20	'	'	PART
easat-1102	386	21	willingness	willingness	NOUN
easat-1102	386	22	to	to	PART
easat-1102	386	23	patronize	patronize	VERB
easat-1102	386	24	.	.	PUNCT
easat-1102	387	1	with	with	ADP
easat-1102	387	2	a	a	DET
easat-1102	387	3	positive	positive	ADJ
easat-1102	387	4	association	association	NOUN
easat-1102	387	5	(	(	PUNCT
easat-1102	387	6	t	t	NOUN
easat-1102	387	7	=	=	PUNCT
easat-1102	387	8	32.96	32.96	NUM
easat-1102	387	9	,	,	PUNCT
easat-1102	387	10	and	and	CCONJ
easat-1102	387	11	p	p	X
easat-1102	387	12	=	=	PROPN
easat-1102	387	13	0.00	0.00	NUM
easat-1102	387	14	)	)	PUNCT
easat-1102	387	15	,	,	PUNCT
easat-1102	387	16	this	this	DET
easat-1102	387	17	analysis	analysis	NOUN
easat-1102	387	18	confirms	confirm	VERB
easat-1102	387	19	hypothesis	hypothesis	NOUN
easat-1102	387	20	two	two	NUM
easat-1102	387	21	(	(	PUNCT
easat-1102	387	22	2	2	NUM
easat-1102	387	23	)	)	PUNCT
easat-1102	387	24	.	.	PUNCT
easat-1102	388	1	this	this	DET
easat-1102	388	2	finding	finding	NOUN
easat-1102	388	3	is	be	AUX
easat-1102	388	4	supported	support	VERB
easat-1102	388	5	by	by	ADP
easat-1102	388	6	previous	previous	ADJ
easat-1102	388	7	research	research	NOUN
easat-1102	388	8	[	[	X
easat-1102	388	9	1	1	NUM
easat-1102	388	10	,	,	PUNCT
easat-1102	388	11	2	2	NUM
easat-1102	388	12	,	,	PUNCT
easat-1102	388	13	5	5	NUM
easat-1102	388	14	,	,	PUNCT
easat-1102	388	15	7	7	NUM
easat-1102	388	16	]	]	PUNCT
easat-1102	388	17	.	.	PUNCT
easat-1102	389	1	although	although	SCONJ
easat-1102	389	2	mobile	mobile	ADJ
easat-1102	389	3	phone	phone	NOUN
easat-1102	389	4	penetration	penetration	NOUN
easat-1102	389	5	is	be	AUX
easat-1102	389	6	higher	high	ADJ
easat-1102	389	7	in	in	ADP
easat-1102	389	8	regions	region	NOUN
easat-1102	389	9	with	with	ADP
easat-1102	389	10	better	well	ADJ
easat-1102	389	11	infrastructure	infrastructure	NOUN
easat-1102	389	12	,	,	PUNCT
easat-1102	389	13	infrastructure	infrastructure	NOUN
easat-1102	389	14	development	development	NOUN
easat-1102	389	15	impedes	impede	VERB
easat-1102	389	16	mobile	mobile	ADJ
easat-1102	389	17	financial	financial	ADJ
easat-1102	389	18	transactions	transaction	NOUN
easat-1102	389	19	.	.	PUNCT
easat-1102	390	1	due	due	ADP
easat-1102	390	2	to	to	ADP
easat-1102	390	3	a	a	DET
easat-1102	390	4	lack	lack	NOUN
easat-1102	390	5	of	of	ADP
easat-1102	390	6	fixed	fix	VERB
easat-1102	390	7	-	-	PUNCT
easat-1102	390	8	line	line	NOUN
easat-1102	390	9	infrastructure	infrastructure	NOUN
easat-1102	390	10	,	,	PUNCT
easat-1102	390	11	sub	sub	ADJ
easat-1102	390	12	-	-	ADJ
easat-1102	390	13	saharan	saharan	ADJ
easat-1102	390	14	africa	africa	PROPN
easat-1102	390	15	relies	rely	VERB
easat-1102	390	16	on	on	ADP
easat-1102	390	17	mobile	mobile	ADJ
easat-1102	390	18	phones	phone	NOUN
easat-1102	390	19	for	for	ADP
easat-1102	390	20	voice	voice	NOUN
easat-1102	390	21	and	and	CCONJ
easat-1102	390	22	internet	internet	NOUN
easat-1102	390	23	.	.	PUNCT
easat-1102	391	1	customers	customer	NOUN
easat-1102	391	2	in	in	ADP
easat-1102	391	3	remote	remote	ADJ
easat-1102	391	4	areas	area	NOUN
easat-1102	391	5	lack	lack	VERB
easat-1102	391	6	critical	critical	ADJ
easat-1102	391	7	infrastructure	infrastructure	NOUN
easat-1102	391	8	and	and	CCONJ
easat-1102	391	9	services	service	NOUN
easat-1102	391	10	.	.	PUNCT
easat-1102	392	1	security	security	NOUN
easat-1102	392	2	concerns	concern	NOUN
easat-1102	392	3	expose	expose	VERB
easat-1102	392	4	mobile	mobile	ADJ
easat-1102	392	5	money	money	NOUN
easat-1102	392	6	systems	system	NOUN
easat-1102	392	7	to	to	ADP
easat-1102	392	8	various	various	ADJ
easat-1102	392	9	forms	form	NOUN
easat-1102	392	10	of	of	ADP
easat-1102	392	11	attacks	attack	NOUN
easat-1102	392	12	[	[	X
easat-1102	392	13	1	1	NUM
easat-1102	392	14	,	,	PUNCT
easat-1102	392	15	2	2	NUM
easat-1102	392	16	]	]	PUNCT
easat-1102	392	17	.	.	PUNCT
easat-1102	393	1	scammers	scammer	NOUN
easat-1102	393	2	take	take	VERB
easat-1102	393	3	advantage	advantage	NOUN
easat-1102	393	4	of	of	ADP
easat-1102	393	5	system	system	NOUN
easat-1102	393	6	fraud	fraud	NOUN
easat-1102	393	7	when	when	SCONJ
easat-1102	393	8	operators	operator	NOUN
easat-1102	393	9	do	do	AUX
easat-1102	393	10	not	not	PART
easat-1102	393	11	have	have	VERB
easat-1102	393	12	advanced	advanced	ADJ
easat-1102	393	13	algorithms	algorithm	NOUN
easat-1102	393	14	[	[	X
easat-1102	393	15	5	5	NUM
easat-1102	393	16	,	,	PUNCT
easat-1102	393	17	7	7	NUM
easat-1102	393	18	]	]	PUNCT
easat-1102	393	19	.	.	PUNCT
easat-1102	394	1	4.8	4.8	NUM
easat-1102	394	2	.	.	PUNCT
easat-1102	395	1	the	the	DET
easat-1102	395	2	study	study	NOUN
easat-1102	395	3	model	model	NOUN
easat-1102	395	4	the	the	DET
easat-1102	395	5	structural	structural	ADJ
easat-1102	395	6	model	model	NOUN
easat-1102	395	7	study	study	NOUN
easat-1102	395	8	produced	produce	VERB
easat-1102	395	9	the	the	DET
easat-1102	395	10	final	final	ADJ
easat-1102	395	11	model	model	NOUN
easat-1102	395	12	for	for	ADP
easat-1102	395	13	mobile	mobile	ADJ
easat-1102	395	14	money	money	NOUN
easat-1102	395	15	service	service	NOUN
easat-1102	395	16	in	in	ADP
easat-1102	395	17	bolgatanga	bolgatanga	NOUN
easat-1102	395	18	municipality	municipality	NOUN
easat-1102	395	19	,	,	PUNCT
easat-1102	395	20	as	as	SCONJ
easat-1102	395	21	shown	show	VERB
easat-1102	395	22	in	in	ADP
easat-1102	395	23	figure	figure	NOUN
easat-1102	395	24	2	2	NUM
easat-1102	395	25	.	.	PUNCT
easat-1102	396	1	the	the	DET
easat-1102	396	2	benefits	benefit	NOUN
easat-1102	396	3	of	of	ADP
easat-1102	396	4	mobile	mobile	ADJ
easat-1102	396	5	money	money	NOUN
easat-1102	396	6	,	,	PUNCT
easat-1102	396	7	as	as	ADV
easat-1102	396	8	well	well	ADV
easat-1102	396	9	as	as	ADP
easat-1102	396	10	the	the	DET
easat-1102	396	11	obstacles	obstacle	NOUN
easat-1102	396	12	associated	associate	VERB
easat-1102	396	13	with	with	ADP
easat-1102	396	14	mobile	mobile	ADJ
easat-1102	396	15	money	money	NOUN
easat-1102	396	16	systems	system	NOUN
easat-1102	396	17	,	,	PUNCT
easat-1102	396	18	all	all	PRON
easat-1102	396	19	have	have	VERB
easat-1102	396	20	an	an	DET
easat-1102	396	21	impact	impact	NOUN
easat-1102	396	22	on	on	ADP
easat-1102	396	23	service	service	NOUN
easat-1102	396	24	users	user	NOUN
easat-1102	396	25	'	'	PART
easat-1102	396	26	opinions	opinion	NOUN
easat-1102	396	27	.	.	PUNCT
easat-1102	397	1	the	the	DET
easat-1102	397	2	final	final	ADJ
easat-1102	397	3	model	model	NOUN
easat-1102	397	4	is	be	AUX
easat-1102	397	5	depicted	depict	VERB
easat-1102	397	6	in	in	ADP
easat-1102	397	7	figure	figure	NOUN
easat-1102	397	8	2	2	NUM
easat-1102	397	9	.	.	PUNCT
easat-1102	397	10	figure	figure	NOUN
easat-1102	397	11	2	2	NUM
easat-1102	397	12	.	.	PUNCT
easat-1102	397	13	study	study	NOUN
easat-1102	397	14	model	model	NOUN
easat-1102	397	15	.	.	PUNCT
easat-1102	398	1	5	5	NUM
easat-1102	398	2	.	.	X
easat-1102	398	3	conclusions	conclusion	NOUN
easat-1102	398	4	,	,	PUNCT
easat-1102	398	5	limitations	limitation	NOUN
easat-1102	398	6	and	and	CCONJ
easat-1102	398	7	recommendations	recommendation	NOUN
easat-1102	398	8	summary	summary	NOUN
easat-1102	398	9	of	of	ADP
easat-1102	398	10	research	research	NOUN
easat-1102	398	11	hypotheses	hypothesis	NOUN
easat-1102	398	12	and	and	CCONJ
easat-1102	398	13	findings	finding	NOUN
easat-1102	398	14	.	.	PUNCT
easat-1102	399	1	the	the	DET
easat-1102	399	2	section	section	NOUN
easat-1102	399	3	first	first	ADV
easat-1102	399	4	reiterates	reiterate	VERB
easat-1102	399	5	the	the	DET
easat-1102	399	6	study	study	NOUN
easat-1102	399	7	topic	topic	NOUN
easat-1102	399	8	and	and	CCONJ
easat-1102	399	9	hypotheses	hypothesis	NOUN
easat-1102	399	10	before	before	ADP
easat-1102	399	11	delving	delve	VERB
easat-1102	399	12	into	into	ADP
easat-1102	399	13	the	the	DET
easat-1102	399	14	outcomes	outcome	NOUN
easat-1102	399	15	based	base	VERB
easat-1102	399	16	on	on	ADP
easat-1102	399	17	the	the	DET
easat-1102	399	18	research	research	NOUN
easat-1102	399	19	questions	question	NOUN
easat-1102	399	20	.	.	PUNCT
easat-1102	400	1	the	the	DET
easat-1102	400	2	final	final	ADJ
easat-1102	400	3	notes	note	NOUN
easat-1102	400	4	highlight	highlight	VERB
easat-1102	400	5	the	the	DET
easat-1102	400	6	study	study	NOUN
easat-1102	400	7	's	's	PART
easat-1102	400	8	shortcomings	shortcoming	NOUN
easat-1102	400	9	and	and	CCONJ
easat-1102	400	10	future	future	ADJ
easat-1102	400	11	research	research	NOUN
easat-1102	400	12	.	.	PUNCT
easat-1102	401	1	this	this	DET
easat-1102	401	2	study	study	NOUN
easat-1102	401	3	looks	look	VERB
easat-1102	401	4	at	at	ADP
easat-1102	401	5	the	the	DET
easat-1102	401	6	advantages	advantage	NOUN
easat-1102	401	7	and	and	CCONJ
easat-1102	401	8	disadvantages	disadvantage	NOUN
easat-1102	401	9	of	of	ADP
easat-1102	401	10	mobile	mobile	ADJ
easat-1102	401	11	money	money	NOUN
easat-1102	401	12	services	service	NOUN
easat-1102	401	13	for	for	ADP
easat-1102	401	14	residents	resident	NOUN
easat-1102	401	15	of	of	ADP
easat-1102	401	16	bolgatanga	bolgatanga	NOUN
easat-1102	401	17	municipality	municipality	NOUN
easat-1102	401	18	.	.	PUNCT
easat-1102	402	1	the	the	DET
easat-1102	402	2	study	study	NOUN
easat-1102	402	3	fills	fill	VERB
easat-1102	402	4	a	a	DET
easat-1102	402	5	knowledge	knowledge	NOUN
easat-1102	402	6	gap	gap	NOUN
easat-1102	402	7	and	and	CCONJ
easat-1102	402	8	adds	add	VERB
easat-1102	402	9	to	to	ADP
easat-1102	402	10	our	our	PRON
easat-1102	402	11	understanding	understanding	NOUN
easat-1102	402	12	of	of	ADP
easat-1102	402	13	mobile	mobile	ADJ
easat-1102	402	14	money	money	NOUN
easat-1102	402	15	services	service	NOUN
easat-1102	402	16	.	.	PUNCT
easat-1102	403	1	according	accord	VERB
easat-1102	403	2	to	to	ADP
easat-1102	403	3	the	the	DET
easat-1102	403	4	findings	finding	NOUN
easat-1102	403	5	of	of	ADP
easat-1102	403	6	this	this	DET
easat-1102	403	7	survey	survey	NOUN
easat-1102	403	8	,	,	PUNCT
easat-1102	403	9	respondents	respondent	NOUN
easat-1102	403	10	are	be	AUX
easat-1102	403	11	of	of	ADP
easat-1102	403	12	various	various	ADJ
easat-1102	403	13	ages	age	NOUN
easat-1102	403	14	,	,	PUNCT
easat-1102	403	15	socioeconomic	socioeconomic	ADJ
easat-1102	403	16	statuses	status	NOUN
easat-1102	403	17	,	,	PUNCT
easat-1102	403	18	and	and	CCONJ
easat-1102	403	19	vocations	vocation	NOUN
easat-1102	403	20	.	.	PUNCT
easat-1102	404	1	the	the	DET
easat-1102	404	2	majority	majority	NOUN
easat-1102	404	3	of	of	ADP
easat-1102	404	4	mobile	mobile	ADJ
easat-1102	404	5	money	money	NOUN
easat-1102	404	6	system	system	NOUN
easat-1102	404	7	consumers	consumer	NOUN
easat-1102	404	8	are	be	AUX
easat-1102	404	9	between	between	ADP
easat-1102	404	10	the	the	DET
easat-1102	404	11	ages	age	NOUN
easat-1102	404	12	of	of	ADP
easat-1102	404	13	one	one	NUM
easat-1102	404	14	and	and	CCONJ
easat-1102	404	15	twenty	twenty	NUM
easat-1102	404	16	-	-	PUNCT
easat-1102	404	17	five	five	NUM
easat-1102	404	18	.	.	PUNCT
easat-1102	405	1	the	the	DET
easat-1102	405	2	time	time	NOUN
easat-1102	405	3	spent	spend	VERB
easat-1102	405	4	using	use	VERB
easat-1102	405	5	mobile	mobile	ADJ
easat-1102	405	6	money	money	NOUN
easat-1102	405	7	services	service	NOUN
easat-1102	405	8	is	be	AUX
easat-1102	405	9	very	very	ADV
easat-1102	405	10	evenly	evenly	ADV
easat-1102	405	11	spread	spread	NOUN
easat-1102	405	12	,	,	PUNCT
easat-1102	405	13	with	with	ADP
easat-1102	405	14	those	those	DET
easat-1102	405	15	older	old	ADJ
easat-1102	405	16	than	than	ADP
easat-1102	405	17	5	5	NUM
easat-1102	405	18	years	year	NOUN
easat-1102	405	19	using	use	VERB
easat-1102	405	20	it	it	PRON
easat-1102	405	21	the	the	DET
easat-1102	405	22	most	most	ADJ
easat-1102	405	23	.	.	PUNCT
easat-1102	406	1	respondents	respondent	NOUN
easat-1102	406	2	were	be	AUX
easat-1102	406	3	asked	ask	VERB
easat-1102	406	4	to	to	PART
easat-1102	406	5	name	name	VERB
easat-1102	406	6	the	the	DET
easat-1102	406	7	most	most	ADV
easat-1102	406	8	common	common	ADJ
easat-1102	406	9	reason	reason	NOUN
easat-1102	406	10	they	they	PRON
easat-1102	406	11	utilize	utilize	VERB
easat-1102	406	12	the	the	DET
easat-1102	406	13	service	service	NOUN
easat-1102	406	14	,	,	PUNCT
easat-1102	406	15	with	with	ADP
easat-1102	406	16	buying	buy	VERB
easat-1102	406	17	airtime	airtime	NOUN
easat-1102	406	18	/	/	SYM
easat-1102	406	19	data	datum	NOUN
easat-1102	406	20	being	be	AUX
easat-1102	406	21	the	the	DET
easat-1102	406	22	most	most	ADV
easat-1102	406	23	popular	popular	ADJ
easat-1102	406	24	.	.	PUNCT
easat-1102	407	1	the	the	DET
easat-1102	407	2	study	study	NOUN
easat-1102	407	3	examined	examine	VERB
easat-1102	407	4	300	300	NUM
easat-1102	407	5	customer	customer	NOUN
easat-1102	407	6	surveys	survey	NOUN
easat-1102	407	7	,	,	PUNCT
easat-1102	407	8	of	of	ADP
easat-1102	407	9	which	which	PRON
easat-1102	407	10	260	260	NUM
easat-1102	407	11	were	be	AUX
easat-1102	407	12	returned	return	VERB
easat-1102	407	13	for	for	ADP
easat-1102	407	14	analysis	analysis	NOUN
easat-1102	407	15	.	.	PUNCT
easat-1102	408	1	the	the	DET
easat-1102	408	2	main	main	ADJ
easat-1102	408	3	focus	focus	NOUN
easat-1102	408	4	is	be	AUX
easat-1102	408	5	on	on	ADP
easat-1102	408	6	the	the	DET
easat-1102	408	7	benefits	benefit	NOUN
easat-1102	408	8	and	and	CCONJ
easat-1102	408	9	drawbacks	drawback	NOUN
easat-1102	408	10	of	of	ADP
easat-1102	408	11	mobile	mobile	ADJ
easat-1102	408	12	money	money	NOUN
easat-1102	408	13	for	for	ADP
easat-1102	408	14	bolgatanga	bolgatanga	NOUN
easat-1102	408	15	municipality	municipality	NOUN
easat-1102	408	16	customers	customer	NOUN
easat-1102	408	17	.	.	PUNCT
easat-1102	409	1	the	the	DET
easat-1102	409	2	findings	finding	NOUN
easat-1102	409	3	revealed	reveal	VERB
easat-1102	409	4	that	that	SCONJ
easat-1102	409	5	the	the	DET
easat-1102	409	6	benefits	benefit	NOUN
easat-1102	409	7	of	of	ADP
easat-1102	409	8	mobile	mobile	ADJ
easat-1102	409	9	money	money	NOUN
easat-1102	409	10	systems	system	NOUN
easat-1102	409	11	will	will	AUX
easat-1102	409	12	positively	positively	ADV
easat-1102	409	13	influence	influence	VERB
easat-1102	409	14	service	service	NOUN
easat-1102	409	15	users	user	NOUN
easat-1102	409	16	'	'	PART
easat-1102	409	17	opinions	opinion	NOUN
easat-1102	409	18	,	,	PUNCT
easat-1102	409	19	while	while	SCONJ
easat-1102	409	20	the	the	DET
easat-1102	409	21	challenges	challenge	NOUN
easat-1102	409	22	of	of	ADP
easat-1102	409	23	mobile	mobile	ADJ
easat-1102	409	24	money	money	NOUN
easat-1102	409	25	systems	system	NOUN
easat-1102	409	26	will	will	AUX
easat-1102	409	27	negatively	negatively	ADV
easat-1102	409	28	influence	influence	VERB
easat-1102	409	29	users	user	NOUN
easat-1102	409	30	'	'	PART
easat-1102	409	31	thoughts	thought	NOUN
easat-1102	409	32	about	about	ADP
easat-1102	409	33	using	use	VERB
easat-1102	409	34	mobile	mobile	ADJ
easat-1102	409	35	money	money	NOUN
easat-1102	409	36	services	service	NOUN
easat-1102	409	37	in	in	ADP
easat-1102	409	38	the	the	DET
easat-1102	409	39	bolgatanga	bolgatanga	NOUN
easat-1102	409	40	municipality	municipality	NOUN
easat-1102	409	41	.	.	PUNCT
easat-1102	410	1	68	68	NUM
easat-1102	410	2	edelweiss	edelweiss	PROPN
easat-1102	410	3	applied	apply	VERB
easat-1102	410	4	science	science	NOUN
easat-1102	410	5	and	and	CCONJ
easat-1102	410	6	technology	technology	NOUN
easat-1102	410	7	issn	issn	PROPN
easat-1102	410	8	:	:	PUNCT
easat-1102	410	9	2576	2576	NUM
easat-1102	410	10	-	-	SYM
easat-1102	410	11	8484	8484	NUM
easat-1102	410	12	vol	vol	NOUN
easat-1102	410	13	.	.	PROPN
easat-1102	411	1	8	8	NUM
easat-1102	411	2	,	,	PUNCT
easat-1102	411	3	no	no	INTJ
easat-1102	411	4	.	.	NOUN
easat-1102	412	1	4	4	NUM
easat-1102	412	2	:	:	SYM
easat-1102	412	3	56	56	NUM
easat-1102	412	4	-	-	SYM
easat-1102	412	5	69	69	NUM
easat-1102	412	6	,	,	PUNCT
easat-1102	412	7	2024	2024	NUM
easat-1102	412	8	doi	doi	NOUN
easat-1102	412	9	:	:	PUNCT
easat-1102	412	10	10.55214/25768484.v8i4.1102	10.55214/25768484.v8i4.1102	NUM
easat-1102	412	11	©	©	ADP
easat-1102	412	12	2024	2024	NUM
easat-1102	412	13	by	by	ADP
easat-1102	412	14	the	the	DET
easat-1102	412	15	authors	author	NOUN
easat-1102	412	16	;	;	PUNCT
easat-1102	412	17	licensee	licensee	PROPN
easat-1102	412	18	learning	learning	NOUN
easat-1102	412	19	gate	gate	NOUN
easat-1102	412	20	this	this	DET
easat-1102	412	21	research	research	NOUN
easat-1102	412	22	will	will	AUX
easat-1102	412	23	lay	lay	VERB
easat-1102	412	24	the	the	DET
easat-1102	412	25	groundwork	groundwork	NOUN
easat-1102	412	26	for	for	ADP
easat-1102	412	27	legitimate	legitimate	ADJ
easat-1102	412	28	financial	financial	ADJ
easat-1102	412	29	transactions	transaction	NOUN
easat-1102	412	30	on	on	ADP
easat-1102	412	31	mobile	mobile	ADJ
easat-1102	412	32	phones	phone	NOUN
easat-1102	412	33	,	,	PUNCT
easat-1102	412	34	supporting	support	VERB
easat-1102	412	35	government	government	NOUN
easat-1102	412	36	authorities	authority	NOUN
easat-1102	412	37	in	in	ADP
easat-1102	412	38	their	their	PRON
easat-1102	412	39	efforts	effort	NOUN
easat-1102	412	40	to	to	PART
easat-1102	412	41	regulate	regulate	VERB
easat-1102	412	42	corporate	corporate	ADJ
easat-1102	412	43	transactions	transaction	NOUN
easat-1102	412	44	.	.	PUNCT
easat-1102	413	1	it	it	PRON
easat-1102	413	2	will	will	AUX
easat-1102	413	3	also	also	ADV
easat-1102	413	4	help	help	VERB
easat-1102	413	5	the	the	DET
easat-1102	413	6	banking	banking	NOUN
easat-1102	413	7	industry	industry	NOUN
easat-1102	413	8	improve	improve	VERB
easat-1102	413	9	loan	loan	NOUN
easat-1102	413	10	availability	availability	NOUN
easat-1102	413	11	and	and	CCONJ
easat-1102	413	12	banking	banking	NOUN
easat-1102	413	13	services	service	NOUN
easat-1102	413	14	for	for	ADP
easat-1102	413	15	individuals	individual	NOUN
easat-1102	413	16	,	,	PUNCT
easat-1102	413	17	as	as	ADV
easat-1102	413	18	well	well	ADV
easat-1102	413	19	as	as	ADP
easat-1102	413	20	contribute	contribute	VERB
easat-1102	413	21	to	to	ADP
easat-1102	413	22	a	a	DET
easat-1102	413	23	better	well	ADJ
easat-1102	413	24	understanding	understanding	NOUN
easat-1102	413	25	of	of	ADP
easat-1102	413	26	the	the	DET
easat-1102	413	27	financial	financial	ADJ
easat-1102	413	28	ramifications	ramification	NOUN
easat-1102	413	29	of	of	ADP
easat-1102	413	30	mobile	mobile	ADJ
easat-1102	413	31	money	money	NOUN
easat-1102	413	32	transactions	transaction	NOUN
easat-1102	413	33	.	.	PUNCT
easat-1102	414	1	the	the	DET
easat-1102	414	2	study	study	NOUN
easat-1102	414	3	will	will	AUX
easat-1102	414	4	also	also	ADV
easat-1102	414	5	benefit	benefit	VERB
easat-1102	414	6	financial	financial	ADJ
easat-1102	414	7	service	service	NOUN
easat-1102	414	8	providers	provider	NOUN
easat-1102	414	9	by	by	ADP
easat-1102	414	10	providing	provide	VERB
easat-1102	414	11	information	information	NOUN
easat-1102	414	12	on	on	ADP
easat-1102	414	13	the	the	DET
easat-1102	414	14	relevance	relevance	NOUN
easat-1102	414	15	of	of	ADP
easat-1102	414	16	mobile	mobile	ADJ
easat-1102	414	17	money	money	NOUN
easat-1102	414	18	transactions	transaction	NOUN
easat-1102	414	19	.	.	PUNCT
easat-1102	415	1	5.1	5.1	NUM
easat-1102	415	2	.	.	PUNCT
easat-1102	415	3	limitation	limitation	NOUN
easat-1102	415	4	of	of	ADP
easat-1102	415	5	the	the	DET
easat-1102	415	6	study	study	NOUN
easat-1102	415	7	despite	despite	SCONJ
easat-1102	415	8	its	its	PRON
easat-1102	415	9	practical	practical	ADJ
easat-1102	415	10	and	and	CCONJ
easat-1102	415	11	theoretical	theoretical	ADJ
easat-1102	415	12	value	value	NOUN
easat-1102	415	13	,	,	PUNCT
easat-1102	415	14	this	this	DET
easat-1102	415	15	work	work	NOUN
easat-1102	415	16	has	have	VERB
easat-1102	415	17	limits	limit	NOUN
easat-1102	415	18	.	.	PUNCT
easat-1102	416	1	the	the	DET
easat-1102	416	2	study	study	NOUN
easat-1102	416	3	's	's	PART
easat-1102	416	4	sample	sample	NOUN
easat-1102	416	5	size	size	NOUN
easat-1102	416	6	,	,	PUNCT
easat-1102	416	7	location	location	NOUN
easat-1102	416	8	,	,	PUNCT
easat-1102	416	9	and	and	CCONJ
easat-1102	416	10	sample	sample	NOUN
easat-1102	416	11	size	size	NOUN
easat-1102	416	12	are	be	AUX
easat-1102	416	13	all	all	PRON
easat-1102	416	14	limitations	limitation	NOUN
easat-1102	416	15	.	.	PUNCT
easat-1102	417	1	although	although	SCONJ
easat-1102	417	2	the	the	DET
easat-1102	417	3	bolgatanga	bolgatanga	NOUN
easat-1102	417	4	municipality	municipality	NOUN
easat-1102	417	5	's	's	PART
easat-1102	417	6	major	major	ADJ
easat-1102	417	7	business	business	NOUN
easat-1102	417	8	center	center	NOUN
easat-1102	417	9	served	serve	VERB
easat-1102	417	10	as	as	ADP
easat-1102	417	11	the	the	DET
easat-1102	417	12	participant	participant	ADJ
easat-1102	417	13	pool	pool	NOUN
easat-1102	417	14	,	,	PUNCT
easat-1102	417	15	the	the	DET
easat-1102	417	16	results	result	NOUN
easat-1102	417	17	may	may	AUX
easat-1102	417	18	not	not	PART
easat-1102	417	19	be	be	AUX
easat-1102	417	20	entirely	entirely	ADV
easat-1102	417	21	generalizable	generalizable	ADJ
easat-1102	417	22	.	.	PUNCT
easat-1102	418	1	the	the	DET
easat-1102	418	2	study	study	NOUN
easat-1102	418	3	focused	focus	VERB
easat-1102	418	4	solely	solely	ADV
easat-1102	418	5	on	on	ADP
easat-1102	418	6	the	the	DET
easat-1102	418	7	advantages	advantage	NOUN
easat-1102	418	8	and	and	CCONJ
easat-1102	418	9	disadvantages	disadvantage	NOUN
easat-1102	418	10	of	of	ADP
easat-1102	418	11	mobile	mobile	ADJ
easat-1102	418	12	money	money	NOUN
easat-1102	418	13	services	service	NOUN
easat-1102	418	14	in	in	ADP
easat-1102	418	15	a	a	DET
easat-1102	418	16	specific	specific	ADJ
easat-1102	418	17	region	region	NOUN
easat-1102	418	18	of	of	ADP
easat-1102	418	19	the	the	DET
easat-1102	418	20	country	country	NOUN
easat-1102	418	21	.	.	PUNCT
easat-1102	419	1	therefore	therefore	ADV
easat-1102	419	2	,	,	PUNCT
easat-1102	419	3	the	the	DET
easat-1102	419	4	resulting	result	VERB
easat-1102	419	5	opinion	opinion	NOUN
easat-1102	419	6	pattern	pattern	NOUN
easat-1102	419	7	is	be	AUX
easat-1102	419	8	different	different	ADJ
easat-1102	419	9	from	from	ADP
easat-1102	419	10	that	that	PRON
easat-1102	419	11	of	of	ADP
easat-1102	419	12	other	other	ADJ
easat-1102	419	13	geographical	geographical	ADJ
easat-1102	419	14	areas	area	NOUN
easat-1102	419	15	.	.	PUNCT
easat-1102	420	1	5.2	5.2	NUM
easat-1102	420	2	.	.	PUNCT
easat-1102	420	3	suggestions	suggestion	NOUN
easat-1102	420	4	for	for	ADP
easat-1102	420	5	future	future	ADJ
easat-1102	420	6	research	research	NOUN
easat-1102	420	7	the	the	DET
easat-1102	420	8	study	study	NOUN
easat-1102	420	9	's	's	PART
easat-1102	420	10	limitations	limitation	NOUN
easat-1102	420	11	necessitate	necessitate	ADJ
easat-1102	420	12	further	further	ADJ
easat-1102	420	13	research	research	NOUN
easat-1102	420	14	to	to	PART
easat-1102	420	15	gain	gain	VERB
easat-1102	420	16	a	a	DET
easat-1102	420	17	deeper	deep	ADJ
easat-1102	420	18	understanding	understanding	NOUN
easat-1102	420	19	of	of	ADP
easat-1102	420	20	mobile	mobile	ADJ
easat-1102	420	21	money	money	NOUN
easat-1102	420	22	services	service	NOUN
easat-1102	420	23	.	.	PUNCT
easat-1102	421	1	future	future	ADJ
easat-1102	421	2	research	research	NOUN
easat-1102	421	3	should	should	AUX
easat-1102	421	4	look	look	VERB
easat-1102	421	5	into	into	ADP
easat-1102	421	6	the	the	DET
easat-1102	421	7	impact	impact	NOUN
easat-1102	421	8	of	of	ADP
easat-1102	421	9	mobile	mobile	ADJ
easat-1102	421	10	money	money	NOUN
easat-1102	421	11	on	on	ADP
easat-1102	421	12	financial	financial	ADJ
easat-1102	421	13	inclusion	inclusion	NOUN
easat-1102	421	14	for	for	ADP
easat-1102	421	15	both	both	CCONJ
easat-1102	421	16	the	the	DET
easat-1102	421	17	unbanked	unbanked	ADJ
easat-1102	421	18	and	and	CCONJ
easat-1102	421	19	banks	bank	NOUN
easat-1102	421	20	.	.	PUNCT
easat-1102	422	1	funding	funding	NOUN
easat-1102	422	2	:	:	PUNCT
easat-1102	422	3	this	this	DET
easat-1102	422	4	study	study	NOUN
easat-1102	422	5	received	receive	VERB
easat-1102	422	6	no	no	DET
easat-1102	422	7	specific	specific	ADJ
easat-1102	422	8	financial	financial	ADJ
easat-1102	422	9	support	support	NOUN
easat-1102	422	10	.	.	PUNCT
easat-1102	423	1	institutional	institutional	ADJ
easat-1102	423	2	review	review	PROPN
easat-1102	423	3	board	board	NOUN
easat-1102	423	4	statement	statement	NOUN
easat-1102	423	5	:	:	PUNCT
easat-1102	423	6	the	the	DET
easat-1102	423	7	ethical	ethical	ADJ
easat-1102	423	8	committee	committee	NOUN
easat-1102	423	9	of	of	ADP
easat-1102	423	10	the	the	DET
easat-1102	423	11	bolgatanga	bolgatanga	PROPN
easat-1102	423	12	technical	technical	PROPN
easat-1102	423	13	university	university	PROPN
easat-1102	423	14	,	,	PUNCT
easat-1102	423	15	ghana	ghana	PROPN
easat-1102	423	16	has	have	AUX
easat-1102	423	17	granted	grant	VERB
easat-1102	423	18	approval	approval	NOUN
easat-1102	423	19	for	for	ADP
easat-1102	423	20	this	this	DET
easat-1102	423	21	study	study	NOUN
easat-1102	423	22	on	on	ADP
easat-1102	423	23	4	4	NUM
easat-1102	423	24	october	october	PROPN
easat-1102	423	25	2023	2023	NUM
easat-1102	423	26	(	(	PUNCT
easat-1102	423	27	ref	ref	NOUN
easat-1102	423	28	.	.	PUNCT
easat-1102	424	1	no	no	INTJ
easat-1102	424	2	.	.	PUNCT
easat-1102	425	1	btu	btu	PROPN
easat-1102	425	2	/	/	SYM
easat-1102	425	3	ac/01	ac/01	PROPN
easat-1102	425	4	)	)	PUNCT
easat-1102	425	5	.	.	PUNCT
easat-1102	426	1	transparency	transparency	NOUN
easat-1102	426	2	:	:	PUNCT
easat-1102	426	3	the	the	DET
easat-1102	426	4	authors	author	NOUN
easat-1102	426	5	confirm	confirm	VERB
easat-1102	426	6	that	that	SCONJ
easat-1102	426	7	the	the	DET
easat-1102	426	8	manuscript	manuscript	NOUN
easat-1102	426	9	is	be	AUX
easat-1102	426	10	an	an	DET
easat-1102	426	11	honest	honest	ADJ
easat-1102	426	12	,	,	PUNCT
easat-1102	426	13	accurate	accurate	ADJ
easat-1102	426	14	,	,	PUNCT
easat-1102	426	15	and	and	CCONJ
easat-1102	426	16	transparent	transparent	ADJ
easat-1102	426	17	account	account	NOUN
easat-1102	426	18	of	of	ADP
easat-1102	426	19	the	the	DET
easat-1102	426	20	study	study	NOUN
easat-1102	426	21	;	;	PUNCT
easat-1102	426	22	that	that	SCONJ
easat-1102	426	23	no	no	DET
easat-1102	426	24	vital	vital	ADJ
easat-1102	426	25	features	feature	NOUN
easat-1102	426	26	of	of	ADP
easat-1102	426	27	the	the	DET
easat-1102	426	28	study	study	NOUN
easat-1102	426	29	have	have	AUX
easat-1102	426	30	been	be	AUX
easat-1102	426	31	omitted	omit	VERB
easat-1102	426	32	;	;	PUNCT
easat-1102	426	33	and	and	CCONJ
easat-1102	426	34	that	that	SCONJ
easat-1102	426	35	any	any	DET
easat-1102	426	36	discrepancies	discrepancy	NOUN
easat-1102	426	37	from	from	ADP
easat-1102	426	38	the	the	DET
easat-1102	426	39	study	study	NOUN
easat-1102	426	40	as	as	SCONJ
easat-1102	426	41	planned	plan	VERB
easat-1102	426	42	have	have	AUX
easat-1102	426	43	been	be	AUX
easat-1102	426	44	explained	explain	VERB
easat-1102	426	45	.	.	PUNCT
easat-1102	427	1	this	this	DET
easat-1102	427	2	study	study	NOUN
easat-1102	427	3	followed	follow	VERB
easat-1102	427	4	all	all	DET
easat-1102	427	5	ethical	ethical	ADJ
easat-1102	427	6	practices	practice	NOUN
easat-1102	427	7	during	during	ADP
easat-1102	427	8	writing	writing	NOUN
easat-1102	427	9	.	.	PUNCT
easat-1102	428	1	competing	compete	VERB
easat-1102	428	2	interests	interest	NOUN
easat-1102	428	3	:	:	PUNCT
easat-1102	428	4	the	the	DET
easat-1102	428	5	authors	author	NOUN
easat-1102	428	6	declare	declare	VERB
easat-1102	428	7	that	that	SCONJ
easat-1102	428	8	they	they	PRON
easat-1102	428	9	have	have	VERB
easat-1102	428	10	no	no	DET
easat-1102	428	11	competing	compete	VERB
easat-1102	428	12	interests	interest	NOUN
easat-1102	428	13	.	.	PUNCT
easat-1102	429	1	authors	author	NOUN
easat-1102	429	2	’	'	PUNCT
easat-1102	429	3	contributions	contribution	NOUN
easat-1102	429	4	:	:	PUNCT
easat-1102	429	5	all	all	DET
easat-1102	429	6	authors	author	NOUN
easat-1102	429	7	contributed	contribute	VERB
easat-1102	429	8	equally	equally	ADV
easat-1102	429	9	to	to	ADP
easat-1102	429	10	the	the	DET
easat-1102	429	11	conception	conception	NOUN
easat-1102	429	12	and	and	CCONJ
easat-1102	429	13	design	design	NOUN
easat-1102	429	14	of	of	ADP
easat-1102	429	15	the	the	DET
easat-1102	429	16	study	study	NOUN
easat-1102	429	17	.	.	PUNCT
easat-1102	430	1	all	all	DET
easat-1102	430	2	authors	author	NOUN
easat-1102	430	3	have	have	AUX
easat-1102	430	4	read	read	VERB
easat-1102	430	5	and	and	CCONJ
easat-1102	430	6	agreed	agree	VERB
easat-1102	430	7	to	to	ADP
easat-1102	430	8	the	the	DET
easat-1102	430	9	published	publish	VERB
easat-1102	430	10	version	version	NOUN
easat-1102	430	11	of	of	ADP
easat-1102	430	12	the	the	DET
easat-1102	430	13	manuscript	manuscript	NOUN
easat-1102	430	14	.	.	PUNCT
easat-1102	431	1	copyright	copyright	NOUN
easat-1102	431	2	:	:	PUNCT
easat-1102	431	3	©	©	PROPN
easat-1102	431	4	2024	2024	NUM
easat-1102	431	5	by	by	ADP
easat-1102	431	6	the	the	DET
easat-1102	431	7	authors	author	NOUN
easat-1102	431	8	.	.	PUNCT
easat-1102	432	1	this	this	DET
easat-1102	432	2	article	article	NOUN
easat-1102	432	3	is	be	AUX
easat-1102	432	4	an	an	DET
easat-1102	432	5	open	open	ADJ
easat-1102	432	6	access	access	NOUN
easat-1102	432	7	article	article	NOUN
easat-1102	432	8	distributed	distribute	VERB
easat-1102	432	9	under	under	ADP
easat-1102	432	10	the	the	DET
easat-1102	432	11	terms	term	NOUN
easat-1102	432	12	and	and	CCONJ
easat-1102	432	13	conditions	condition	NOUN
easat-1102	432	14	of	of	ADP
easat-1102	432	15	the	the	DET
easat-1102	432	16	creative	creative	ADJ
easat-1102	432	17	commons	common	NOUN
easat-1102	432	18	attribution	attribution	NOUN
easat-1102	432	19	(	(	PUNCT
easat-1102	432	20	cc	cc	NOUN
easat-1102	432	21	by	by	ADP
easat-1102	432	22	)	)	PUNCT
easat-1102	432	23	license	license	NOUN
easat-1102	432	24	(	(	PUNCT
easat-1102	432	25	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-1102	432	26	)	)	PUNCT
easat-1102	432	27	.	.	PUNCT
easat-1102	433	1	references	reference	NOUN
easat-1102	433	2	[	[	X
easat-1102	433	3	1	1	NUM
easat-1102	433	4	]	]	PUNCT
easat-1102	433	5	o.	o.	NOUN
easat-1102	433	6	mothobi	mothobi	PROPN
easat-1102	433	7	and	and	CCONJ
easat-1102	433	8	l.	l.	PROPN
easat-1102	433	9	grzybowski	grzybowski	PROPN
easat-1102	433	10	,	,	PUNCT
easat-1102	433	11	"	"	PUNCT
easat-1102	433	12	infrastructure	infrastructure	NOUN
easat-1102	433	13	deficiencies	deficiency	NOUN
easat-1102	433	14	and	and	CCONJ
easat-1102	433	15	adoption	adoption	NOUN
easat-1102	433	16	of	of	ADP
easat-1102	433	17	mobile	mobile	ADJ
easat-1102	433	18	money	money	NOUN
easat-1102	433	19	in	in	ADP
easat-1102	433	20	sub	sub	ADJ
easat-1102	433	21	-	-	ADJ
easat-1102	433	22	saharan	saharan	ADJ
easat-1102	433	23	africa	africa	PROPN
easat-1102	433	24	,	,	PUNCT
easat-1102	433	25	"	"	PUNCT
easat-1102	433	26	information	information	NOUN
easat-1102	433	27	economics	economic	NOUN
easat-1102	433	28	and	and	CCONJ
easat-1102	433	29	policy	policy	NOUN
easat-1102	433	30	elsevier	elsevier	PROPN
easat-1102	433	31	research	research	PROPN
easat-1102	433	32	ict	ict	PROPN
easat-1102	433	33	africa	africa	PROPN
easat-1102	433	34	,	,	PUNCT
easat-1102	433	35	retrieved	retrieve	VERB
easat-1102	433	36	:	:	PUNCT
easat-1102	433	37	https://researchictafrica.net	https://researchictafrica.net	PROPN
easat-1102	433	38	>	>	X
easat-1102	433	39	csae2017105	csae2017105	NOUN
easat-1102	433	40	.	.	PUNCT
easat-1102	434	1	2017	2017	NUM
easat-1102	434	2	.	.	PUNCT
easat-1102	435	1	[	[	X
easat-1102	435	2	2	2	X
easat-1102	435	3	]	]	X
easat-1102	435	4	g.	g.	PROPN
easat-1102	435	5	ali	ali	PROPN
easat-1102	435	6	,	,	PUNCT
easat-1102	435	7	a.	a.	PROPN
easat-1102	435	8	m.	m.	PROPN
easat-1102	435	9	dida	dida	PROPN
easat-1102	435	10	,	,	PUNCT
easat-1102	435	11	and	and	CCONJ
easat-1102	435	12	e.	e.	PROPN
easat-1102	435	13	a.	a.	PROPN
easat-1102	435	14	sam	sam	PROPN
easat-1102	435	15	,	,	PUNCT
easat-1102	435	16	"	"	PUNCT
easat-1102	435	17	evaluation	evaluation	NOUN
easat-1102	435	18	of	of	ADP
easat-1102	435	19	key	key	ADJ
easat-1102	435	20	security	security	NOUN
easat-1102	435	21	issues	issue	NOUN
easat-1102	435	22	associated	associate	VERB
easat-1102	435	23	with	with	ADP
easat-1102	435	24	mobile	mobile	ADJ
easat-1102	435	25	money	money	NOUN
easat-1102	435	26	systems	system	NOUN
easat-1102	435	27	in	in	ADP
easat-1102	435	28	uganda	uganda	PROPN
easat-1102	435	29	,	,	PUNCT
easat-1102	435	30	"	"	PUNCT
easat-1102	435	31	information	information	NOUN
easat-1102	435	32	,	,	PUNCT
easat-1102	435	33	vol	vol	NOUN
easat-1102	435	34	.	.	PROPN
easat-1102	435	35	11	11	NUM
easat-1102	435	36	,	,	PUNCT
easat-1102	435	37	no	no	INTJ
easat-1102	435	38	.	.	NOUN
easat-1102	435	39	309	309	NUM
easat-1102	435	40	,	,	PUNCT
easat-1102	435	41	pp	pp	ADJ
easat-1102	435	42	.	.	NOUN
easat-1102	435	43	1	1	NUM
easat-1102	435	44	-24	-24	NUM
easat-1102	435	45	,	,	PUNCT
easat-1102	435	46	2020	2020	NUM
easat-1102	435	47	.	.	PUNCT
easat-1102	436	1	https://doi.org/10.3390/info11060309	https://doi.org/10.3390/info11060309	NOUN
easat-1102	436	2	[	[	X
easat-1102	436	3	3	3	NUM
easat-1102	436	4	]	]	X
easat-1102	436	5	c.	c.	PROPN
easat-1102	436	6	o.	o.	PROPN
easat-1102	436	7	g.	g.	PROPN
easat-1102	436	8	bongomin	bongomin	PROPN
easat-1102	436	9	,	,	PUNCT
easat-1102	436	10	m.	m.	PROPN
easat-1102	436	11	j.	j.	PROPN
easat-1102	436	12	ntayi	ntayi	PROPN
easat-1102	436	13	,	,	PUNCT
easat-1102	436	14	c.	c.	PROPN
easat-1102	436	15	j.	j.	PROPN
easat-1102	436	16	munene	munene	PROPN
easat-1102	436	17	,	,	PUNCT
easat-1102	436	18	and	and	CCONJ
easat-1102	436	19	a.	a.	PROPN
easat-1102	436	20	c.	c.	PROPN
easat-1102	436	21	malinga	malinga	PROPN
easat-1102	436	22	,	,	PUNCT
easat-1102	436	23	"	"	PUNCT
easat-1102	436	24	mobile	mobile	ADJ
easat-1102	436	25	money	money	NOUN
easat-1102	436	26	and	and	CCONJ
easat-1102	436	27	financial	financial	ADJ
easat-1102	436	28	inclusion	inclusion	NOUN
easat-1102	436	29	in	in	ADP
easat-1102	436	30	sub	sub	ADJ
easat-1102	436	31	-	-	ADJ
easat-1102	436	32	saharan	saharan	ADJ
easat-1102	436	33	africa	africa	PROPN
easat-1102	436	34	:	:	PUNCT
easat-1102	436	35	the	the	DET
easat-1102	436	36	moderating	moderate	VERB
easat-1102	436	37	role	role	NOUN
easat-1102	436	38	of	of	ADP
easat-1102	436	39	social	social	ADJ
easat-1102	436	40	networks	network	NOUN
easat-1102	436	41	,	,	PUNCT
easat-1102	436	42	"	"	PUNCT
easat-1102	436	43	journal	journal	NOUN
easat-1102	436	44	of	of	ADP
easat-1102	436	45	african	african	ADJ
easat-1102	436	46	business	business	NOUN
easat-1102	436	47	,	,	PUNCT
easat-1102	436	48	vol	vol	NOUN
easat-1102	436	49	.	.	PROPN
easat-1102	436	50	19	19	NUM
easat-1102	436	51	,	,	PUNCT
easat-1102	436	52	no	no	INTJ
easat-1102	436	53	.	.	NOUN
easat-1102	436	54	3	3	NUM
easat-1102	436	55	,	,	PUNCT
easat-1102	436	56	pp	pp	ADJ
easat-1102	436	57	.	.	PUNCT
easat-1102	437	1	361	361	NUM
easat-1102	437	2	-	-	SYM
easat-1102	437	3	384	384	NUM
easat-1102	437	4	,	,	PUNCT
easat-1102	437	5	2018	2018	NUM
easat-1102	437	6	.	.	PUNCT
easat-1102	438	1	https://doi.org/10.1080/15228916.2017.1416214	https://doi.org/10.1080/15228916.2017.1416214	PROPN
easat-1102	438	2	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-1102	438	3	https://researchictafrica.net/	https://researchictafrica.net/	PROPN
easat-1102	438	4	https://doi.org/10.3390/info11060309	https://doi.org/10.3390/info11060309	NOUN
easat-1102	438	5	https://doi.org/10.1080/15228916.2017.1416214	https://doi.org/10.1080/15228916.2017.1416214	PROPN
easat-1102	438	6	69	69	NUM
easat-1102	438	7	edelweiss	edelweiss	PROPN
easat-1102	438	8	applied	apply	VERB
easat-1102	438	9	science	science	NOUN
easat-1102	438	10	and	and	CCONJ
easat-1102	438	11	technology	technology	NOUN
easat-1102	438	12	issn	issn	PROPN
easat-1102	438	13	:	:	PUNCT
easat-1102	438	14	2576	2576	NUM
easat-1102	438	15	-	-	SYM
easat-1102	438	16	8484	8484	NUM
easat-1102	438	17	vol	vol	NOUN
easat-1102	438	18	.	.	PROPN
easat-1102	438	19	8	8	NUM
easat-1102	438	20	,	,	PUNCT
easat-1102	438	21	no	no	INTJ
easat-1102	438	22	.	.	NOUN
easat-1102	439	1	4	4	NUM
easat-1102	439	2	:	:	SYM
easat-1102	439	3	56	56	NUM
easat-1102	439	4	-	-	SYM
easat-1102	439	5	69	69	NUM
easat-1102	439	6	,	,	PUNCT
easat-1102	439	7	2024	2024	NUM
easat-1102	439	8	doi	doi	NOUN
easat-1102	439	9	:	:	PUNCT
easat-1102	439	10	10.55214/25768484.v8i4.1102	10.55214/25768484.v8i4.1102	NUM
easat-1102	439	11	©	©	ADP
easat-1102	439	12	2024	2024	NUM
easat-1102	439	13	by	by	ADP
easat-1102	439	14	the	the	DET
easat-1102	439	15	authors	author	NOUN
easat-1102	439	16	;	;	PUNCT
easat-1102	439	17	licensee	licensee	PROPN
easat-1102	439	18	learning	learning	NOUN
easat-1102	439	19	gate	gate	NOUN
easat-1102	440	1	[	[	X
easat-1102	440	2	4	4	NUM
easat-1102	440	3	]	]	X
easat-1102	440	4	n.	n.	NOUN
easat-1102	440	5	economides	economide	NOUN
easat-1102	440	6	and	and	CCONJ
easat-1102	440	7	p.	p.	PROPN
easat-1102	440	8	jeziorskic	jeziorskic	NOUN
easat-1102	440	9	,	,	PUNCT
easat-1102	440	10	"	"	PUNCT
easat-1102	440	11	mobile	mobile	ADJ
easat-1102	440	12	money	money	NOUN
easat-1102	440	13	in	in	ADP
easat-1102	440	14	tanzania	tanzania	PROPN
easat-1102	440	15	marketing	marketing	NOUN
easat-1102	440	16	science	science	NOUN
easat-1102	440	17	,	,	PUNCT
easat-1102	440	18	"	"	PUNCT
easat-1102	440	19	retrieved	retrieve	VERB
easat-1102	440	20	:	:	PUNCT
easat-1102	440	21	http://pubsonline.informs.org/journal/mksc/.	http://pubsonline.informs.org/journal/mksc/.	PROPN
easat-1102	440	22	2017	2017	NUM
easat-1102	440	23	.	.	PUNCT
easat-1102	441	1	[	[	X
easat-1102	441	2	5	5	X
easat-1102	441	3	]	]	PUNCT
easat-1102	441	4	s.	s.	PROPN
easat-1102	441	5	ky	ky	PROPN
easat-1102	441	6	,	,	PUNCT
easat-1102	441	7	c.	c.	PROPN
easat-1102	441	8	rugemintwari	rugemintwari	PROPN
easat-1102	441	9	,	,	PUNCT
easat-1102	441	10	and	and	CCONJ
easat-1102	441	11	a.	a.	NOUN
easat-1102	441	12	sauviat	sauviat	NOUN
easat-1102	441	13	,	,	PUNCT
easat-1102	441	14	"	"	PUNCT
easat-1102	441	15	does	do	AUX
easat-1102	441	16	mobile	mobile	NOUN
easat-1102	441	17	money	money	NOUN
easat-1102	441	18	affect	affect	VERB
easat-1102	441	19	saving	save	VERB
easat-1102	441	20	behaviour	behaviour	NOUN
easat-1102	441	21	?	?	PUNCT
easat-1102	442	1	evidence	evidence	NOUN
easat-1102	442	2	from	from	ADP
easat-1102	442	3	a	a	DET
easat-1102	442	4	developing	develop	VERB
easat-1102	442	5	country	country	NOUN
easat-1102	442	6	,	,	PUNCT
easat-1102	442	7	"	"	PUNCT
easat-1102	442	8	journal	journal	NOUN
easat-1102	442	9	of	of	ADP
easat-1102	442	10	african	african	ADJ
easat-1102	442	11	economies	economy	NOUN
easat-1102	442	12	,	,	PUNCT
easat-1102	442	13	vol	vol	NOUN
easat-1102	442	14	.	.	PROPN
easat-1102	442	15	27	27	NUM
easat-1102	442	16	,	,	PUNCT
easat-1102	442	17	no	no	INTJ
easat-1102	442	18	.	.	NOUN
easat-1102	442	19	3	3	NUM
easat-1102	442	20	,	,	PUNCT
easat-1102	442	21	pp	pp	ADJ
easat-1102	442	22	.	.	PUNCT
easat-1102	442	23	285	285	NUM
easat-1102	442	24	-	-	SYM
easat-1102	442	25	320	320	NUM
easat-1102	442	26	,	,	PUNCT
easat-1102	442	27	2018	2018	NUM
easat-1102	442	28	.	.	PUNCT
easat-1102	443	1	https://doi.org/10.1093/jafeco/ejx028	https://doi.org/10.1093/jafeco/ejx028	ADJ
easat-1102	443	2	[	[	X
easat-1102	443	3	6	6	NUM
easat-1102	443	4	]	]	X
easat-1102	443	5	n.	n.	PROPN
easat-1102	443	6	singh	singh	PROPN
easat-1102	443	7	and	and	CCONJ
easat-1102	443	8	n.	n.	PROPN
easat-1102	443	9	sinha	sinha	PROPN
easat-1102	443	10	,	,	PUNCT
easat-1102	443	11	"	"	PUNCT
easat-1102	443	12	how	how	SCONJ
easat-1102	443	13	perceived	perceive	VERB
easat-1102	443	14	trust	trust	NOUN
easat-1102	443	15	mediates	mediate	VERB
easat-1102	443	16	merchant	merchant	NOUN
easat-1102	443	17	's	's	PART
easat-1102	443	18	intention	intention	NOUN
easat-1102	443	19	to	to	PART
easat-1102	443	20	use	use	VERB
easat-1102	443	21	a	a	DET
easat-1102	443	22	mobile	mobile	ADJ
easat-1102	443	23	wallet	wallet	NOUN
easat-1102	443	24	technology	technology	NOUN
easat-1102	443	25	,	,	PUNCT
easat-1102	443	26	"	"	PUNCT
easat-1102	443	27	journal	journal	NOUN
easat-1102	443	28	of	of	ADP
easat-1102	443	29	retailing	retailing	NOUN
easat-1102	443	30	and	and	CCONJ
easat-1102	443	31	consumer	consumer	NOUN
easat-1102	443	32	services	service	NOUN
easat-1102	443	33	,	,	PUNCT
easat-1102	443	34	vol	vol	NOUN
easat-1102	443	35	.	.	PROPN
easat-1102	443	36	52	52	NUM
easat-1102	443	37	,	,	PUNCT
easat-1102	443	38	p.	p.	NOUN
easat-1102	443	39	101894	101894	NUM
easat-1102	443	40	,	,	PUNCT
easat-1102	443	41	2020	2020	NUM
easat-1102	443	42	.	.	PUNCT
easat-1102	444	1	https://doi.org/10.1016/j.jretconser.2019.101894	https://doi.org/10.1016/j.jretconser.2019.101894	ADJ
easat-1102	444	2	[	[	X
easat-1102	444	3	7	7	NUM
easat-1102	444	4	]	]	X
easat-1102	444	5	i.	i.	PROPN
easat-1102	444	6	akomea	akomea	PROPN
easat-1102	444	7	-	-	PUNCT
easat-1102	444	8	frimpong	frimpong	PROPN
easat-1102	444	9	,	,	PUNCT
easat-1102	444	10	c.	c.	PROPN
easat-1102	444	11	andoh	andoh	PROPN
easat-1102	444	12	,	,	PUNCT
easat-1102	444	13	a.	a.	PROPN
easat-1102	444	14	akomea	akomea	PROPN
easat-1102	444	15	-	-	PUNCT
easat-1102	444	16	frimpong	frimpong	PROPN
easat-1102	444	17	,	,	PUNCT
easat-1102	444	18	and	and	CCONJ
easat-1102	444	19	y.	y.	PROPN
easat-1102	444	20	dwomoh	dwomoh	NOUN
easat-1102	444	21	-	-	PUNCT
easat-1102	444	22	okudzeto	okudzeto	NOUN
easat-1102	444	23	,	,	PUNCT
easat-1102	444	24	"	"	PUNCT
easat-1102	444	25	control	control	NOUN
easat-1102	444	26	of	of	ADP
easat-1102	444	27	fraud	fraud	NOUN
easat-1102	444	28	on	on	ADP
easat-1102	444	29	mobile	mobile	ADJ
easat-1102	444	30	money	money	NOUN
easat-1102	444	31	services	service	NOUN
easat-1102	444	32	in	in	ADP
easat-1102	444	33	ghana	ghana	PROPN
easat-1102	444	34	:	:	PUNCT
easat-1102	444	35	an	an	DET
easat-1102	444	36	exploratory	exploratory	ADJ
easat-1102	444	37	study	study	NOUN
easat-1102	444	38	,	,	PUNCT
easat-1102	444	39	"	"	PUNCT
easat-1102	444	40	journal	journal	NOUN
easat-1102	444	41	of	of	ADP
easat-1102	444	42	money	money	NOUN
easat-1102	444	43	laundering	laundering	NOUN
easat-1102	444	44	control	control	NOUN
easat-1102	444	45	,	,	PUNCT
easat-1102	444	46	vol	vol	NOUN
easat-1102	444	47	.	.	PROPN
easat-1102	445	1	22	22	NUM
easat-1102	445	2	,	,	PUNCT
easat-1102	445	3	no	no	INTJ
easat-1102	445	4	.	.	NOUN
easat-1102	445	5	2	2	NUM
easat-1102	445	6	,	,	PUNCT
easat-1102	445	7	pp	pp	ADJ
easat-1102	445	8	.	.	PUNCT
easat-1102	446	1	300	300	NUM
easat-1102	446	2	-	-	SYM
easat-1102	446	3	317	317	NUM
easat-1102	446	4	,	,	PUNCT
easat-1102	446	5	2019	2019	NUM
easat-1102	446	6	.	.	PUNCT
easat-1102	447	1	https://doi.org/10.1108/jmlc-03-2018-0023	https://doi.org/10.1108/jmlc-03-2018-0023	X
easat-1102	447	2	[	[	X
easat-1102	447	3	8	8	NUM
easat-1102	447	4	]	]	X
easat-1102	447	5	c.	c.	PROPN
easat-1102	447	6	bukari	bukari	PROPN
easat-1102	447	7	and	and	CCONJ
easat-1102	447	8	i.	i.	PROPN
easat-1102	447	9	koomson	koomson	PROPN
easat-1102	447	10	,	,	PUNCT
easat-1102	447	11	"	"	PUNCT
easat-1102	447	12	adoption	adoption	NOUN
easat-1102	447	13	of	of	ADP
easat-1102	447	14	mobile	mobile	ADJ
easat-1102	447	15	money	money	NOUN
easat-1102	447	16	for	for	ADP
easat-1102	447	17	healthcare	healthcare	NOUN
easat-1102	447	18	utilisation	utilisation	NOUN
easat-1102	447	19	and	and	CCONJ
easat-1102	447	20	spending	spending	NOUN
easat-1102	447	21	in	in	ADP
easat-1102	447	22	rural	rural	ADJ
easat-1102	447	23	ghana	ghana	PROPN
easat-1102	447	24	network	network	NOUN
easat-1102	447	25	for	for	ADP
easat-1102	447	26	socioeconomic	socioeconomic	ADJ
easat-1102	447	27	research	research	NOUN
easat-1102	447	28	and	and	CCONJ
easat-1102	447	29	advancement	advancement	NOUN
easat-1102	447	30	,	,	PUNCT
easat-1102	447	31	"	"	PUNCT
easat-1102	447	32	retrieved	retrieve	VERB
easat-1102	447	33	:	:	PUNCT
easat-1102	447	34	www.nesranetwork.com	www.nesranetwork.com	NOUN
easat-1102	447	35	.	.	NOUN
easat-1102	447	36	2020	2020	NUM
easat-1102	447	37	.	.	PUNCT
easat-1102	448	1	[	[	X
easat-1102	448	2	9	9	NUM
easat-1102	448	3	]	]	X
easat-1102	448	4	j.	j.	PROPN
easat-1102	448	5	aron	aron	PROPN
easat-1102	448	6	,	,	PUNCT
easat-1102	448	7	"	"	PUNCT
easat-1102	448	8	mobile	mobile	ADJ
easat-1102	448	9	money	money	NOUN
easat-1102	448	10	and	and	CCONJ
easat-1102	448	11	the	the	DET
easat-1102	448	12	economy	economy	NOUN
easat-1102	448	13	:	:	PUNCT
easat-1102	448	14	a	a	DET
easat-1102	448	15	review	review	NOUN
easat-1102	448	16	of	of	ADP
easat-1102	448	17	the	the	DET
easat-1102	448	18	evidence	evidence	NOUN
easat-1102	448	19	,	,	PUNCT
easat-1102	448	20	"	"	PUNCT
easat-1102	448	21	the	the	DET
easat-1102	448	22	world	world	PROPN
easat-1102	448	23	bank	bank	PROPN
easat-1102	448	24	research	research	PROPN
easat-1102	448	25	observer	observer	PROPN
easat-1102	448	26	,	,	PUNCT
easat-1102	448	27	vol	vol	NOUN
easat-1102	448	28	.	.	PROPN
easat-1102	448	29	33	33	NUM
easat-1102	448	30	,	,	PUNCT
easat-1102	448	31	no	no	INTJ
easat-1102	448	32	.	.	NOUN
easat-1102	448	33	2	2	NUM
easat-1102	448	34	,	,	PUNCT
easat-1102	448	35	pp	pp	ADJ
easat-1102	448	36	.	.	PUNCT
easat-1102	449	1	135–188	135–188	NUM
easat-1102	449	2	,	,	PUNCT
easat-1102	449	3	2018	2018	NUM
easat-1102	449	4	.	.	PUNCT
easat-1102	450	1	https://doi.org/10.1093/wbro/lky001	https://doi.org/10.1093/wbro/lky001	VERB
easat-1102	450	2	[	[	X
easat-1102	450	3	10	10	NUM
easat-1102	450	4	]	]	PUNCT
easat-1102	450	5	a.	a.	NOUN
easat-1102	450	6	g.	g.	PROPN
easat-1102	450	7	kanano	kanano	PROPN
easat-1102	450	8	and	and	CCONJ
easat-1102	450	9	j.	j.	PROPN
easat-1102	450	10	wanjira	wanjira	PROPN
easat-1102	450	11	,	,	PUNCT
easat-1102	450	12	"	"	PUNCT
easat-1102	450	13	strategic	strategic	ADJ
easat-1102	450	14	management	management	NOUN
easat-1102	450	15	practices	practice	NOUN
easat-1102	450	16	and	and	CCONJ
easat-1102	450	17	performance	performance	NOUN
easat-1102	450	18	of	of	ADP
easat-1102	450	19	supermarkets	supermarket	NOUN
easat-1102	450	20	in	in	ADP
easat-1102	450	21	nakuru	nakuru	PROPN
easat-1102	450	22	county	county	PROPN
easat-1102	450	23	,	,	PUNCT
easat-1102	450	24	kenya	kenya	NOUN
easat-1102	450	25	,	,	PUNCT
easat-1102	450	26	"	"	PUNCT
easat-1102	450	27	international	international	ADJ
easat-1102	450	28	academic	academic	ADJ
easat-1102	450	29	journal	journal	NOUN
easat-1102	450	30	of	of	ADP
easat-1102	450	31	human	human	ADJ
easat-1102	450	32	resource	resource	NOUN
easat-1102	450	33	and	and	CCONJ
easat-1102	450	34	business	business	NOUN
easat-1102	450	35	administration	administration	NOUN
easat-1102	450	36	,	,	PUNCT
easat-1102	450	37	vol	vol	NOUN
easat-1102	450	38	.	.	PROPN
easat-1102	451	1	3	3	NUM
easat-1102	451	2	,	,	PUNCT
easat-1102	451	3	no	no	INTJ
easat-1102	451	4	.	.	NOUN
easat-1102	451	5	9	9	NUM
easat-1102	451	6	,	,	PUNCT
easat-1102	451	7	pp	pp	ADJ
easat-1102	451	8	.	.	PUNCT
easat-1102	452	1	385	385	NUM
easat-1102	452	2	-	-	SYM
easat-1102	452	3	399	399	NUM
easat-1102	452	4	,	,	PUNCT
easat-1102	452	5	2021	2021	NUM
easat-1102	452	6	.	.	PUNCT
easat-1102	453	1	[	[	X
easat-1102	453	2	11	11	NUM
easat-1102	453	3	]	]	SYM
easat-1102	453	4	skaleet	skaleet	PROPN
easat-1102	453	5	,	,	PUNCT
easat-1102	453	6	"	"	PUNCT
easat-1102	453	7	mobile	mobile	ADJ
easat-1102	453	8	money	money	NOUN
easat-1102	453	9	:	:	PUNCT
easat-1102	453	10	definitions	definition	NOUN
easat-1102	453	11	and	and	CCONJ
easat-1102	453	12	benefits	benefit	NOUN
easat-1102	453	13	,	,	PUNCT
easat-1102	453	14	"	"	PUNCT
easat-1102	453	15	payments	payment	NOUN
easat-1102	453	16	by	by	ADP
easat-1102	453	17	marketing	marketing	NOUN
easat-1102	453	18	skaleet	skaleet	NOUN
easat-1102	453	19	,	,	PUNCT
easat-1102	453	20	p.	p.	NOUN
easat-1102	453	21	1	1	NUM
easat-1102	453	22	,	,	PUNCT
easat-1102	453	23	2023	2023	NUM
easat-1102	453	24	.	.	PUNCT
easat-1102	454	1	[	[	X
easat-1102	454	2	12	12	NUM
easat-1102	454	3	]	]	X
easat-1102	454	4	c.	c.	PROPN
easat-1102	454	5	nitschke	nitschke	PROPN
easat-1102	454	6	,	,	PUNCT
easat-1102	454	7	"	"	PUNCT
easat-1102	454	8	the	the	DET
easat-1102	454	9	function	function	NOUN
easat-1102	454	10	of	of	ADP
easat-1102	454	11	embedded	embed	VERB
easat-1102	454	12	narratives	narrative	NOUN
easat-1102	454	13	in	in	ADP
easat-1102	454	14	wieland	wieland	PROPN
easat-1102	454	15	’s	’s	PART
easat-1102	454	16	don	don	PROPN
easat-1102	454	17	sylvio	sylvio	PROPN
easat-1102	454	18	,	,	PUNCT
easat-1102	454	19	"	"	PUNCT
easat-1102	454	20	narrative	narrative	NOUN
easat-1102	454	21	concepts	concept	NOUN
easat-1102	454	22	in	in	ADP
easat-1102	454	23	the	the	DET
easat-1102	454	24	study	study	NOUN
easat-1102	454	25	of	of	ADP
easat-1102	454	26	eighteenthcentury	eighteenthcentury	PROPN
easat-1102	454	27	literature	literature	NOUN
easat-1102	454	28	,	,	PUNCT
easat-1102	454	29	p.	p.	NOUN
easat-1102	454	30	199	199	NUM
easat-1102	454	31	,	,	PUNCT
easat-1102	454	32	2017	2017	NUM
easat-1102	454	33	.	.	PUNCT
easat-1102	455	1	https://doi.org/10.2307/j.ctt1wn0r6q.11	https://doi.org/10.2307/j.ctt1wn0r6q.11	PUNCT
easat-1102	456	1	[	[	X
easat-1102	456	2	13	13	NUM
easat-1102	456	3	]	]	PUNCT
easat-1102	456	4	f.	f.	PROPN
easat-1102	456	5	s.	s.	PROPN
easat-1102	456	6	g.	g.	PROPN
easat-1102	456	7	talom	talom	PROPN
easat-1102	456	8	and	and	CCONJ
easat-1102	456	9	r.	r.	PROPN
easat-1102	456	10	k.	k.	PROPN
easat-1102	456	11	tengeh	tengeh	PROPN
easat-1102	456	12	,	,	PUNCT
easat-1102	456	13	"	"	PUNCT
easat-1102	456	14	the	the	DET
easat-1102	456	15	impact	impact	NOUN
easat-1102	456	16	of	of	ADP
easat-1102	456	17	mobile	mobile	ADJ
easat-1102	456	18	money	money	NOUN
easat-1102	456	19	on	on	ADP
easat-1102	456	20	the	the	DET
easat-1102	456	21	financial	financial	ADJ
easat-1102	456	22	performance	performance	NOUN
easat-1102	456	23	of	of	ADP
easat-1102	456	24	the	the	DET
easat-1102	456	25	smes	sme	NOUN
easat-1102	456	26	in	in	ADP
easat-1102	456	27	douala	douala	PROPN
easat-1102	456	28	,	,	PUNCT
easat-1102	456	29	cameroon	cameroon	NOUN
easat-1102	456	30	,	,	PUNCT
easat-1102	456	31	"	"	PUNCT
easat-1102	456	32	sustainability	sustainability	NOUN
easat-1102	456	33	,	,	PUNCT
easat-1102	456	34	vol	vol	NOUN
easat-1102	456	35	.	.	PROPN
easat-1102	456	36	12	12	NUM
easat-1102	456	37	,	,	PUNCT
easat-1102	456	38	no	no	INTJ
easat-1102	456	39	.	.	NOUN
easat-1102	456	40	1	1	NUM
easat-1102	456	41	,	,	PUNCT
easat-1102	456	42	p.	p.	NOUN
easat-1102	456	43	183	183	NUM
easat-1102	456	44	,	,	PUNCT
easat-1102	456	45	2019	2019	NUM
easat-1102	456	46	.	.	PUNCT
easat-1102	457	1	https://doi.org/10.3390/su12010183	https://doi.org/10.3390/su12010183	X
easat-1102	458	1	[	[	X
easat-1102	458	2	14	14	NUM
easat-1102	458	3	]	]	PUNCT
easat-1102	458	4	t.	t.	PROPN
easat-1102	458	5	suri	suri	PROPN
easat-1102	458	6	et	et	PROPN
easat-1102	458	7	al	al	PROPN
easat-1102	458	8	.	.	PROPN
easat-1102	458	9	,	,	PUNCT
easat-1102	458	10	"	"	PUNCT
easat-1102	458	11	mobile	mobile	ADJ
easat-1102	458	12	money	money	NOUN
easat-1102	458	13	,	,	PUNCT
easat-1102	458	14	"	"	PUNCT
easat-1102	458	15	voxdevlit	voxdevlit	ADJ
easat-1102	458	16	,	,	PUNCT
easat-1102	458	17	vol	vol	NOUN
easat-1102	458	18	.	.	PROPN
easat-1102	458	19	2	2	NUM
easat-1102	458	20	,	,	PUNCT
easat-1102	458	21	no	no	INTJ
easat-1102	458	22	.	.	NOUN
easat-1102	458	23	1	1	NUM
easat-1102	458	24	,	,	PUNCT
easat-1102	458	25	pp	pp	ADJ
easat-1102	458	26	.	.	PUNCT
easat-1102	459	1	1	1	NUM
easat-1102	459	2	-	-	SYM
easat-1102	459	3	28	28	NUM
easat-1102	459	4	,	,	PUNCT
easat-1102	459	5	2021	2021	NUM
easat-1102	459	6	.	.	PUNCT
easat-1102	460	1	[	[	X
easat-1102	460	2	15	15	NUM
easat-1102	460	3	]	]	X
easat-1102	460	4	c.	c.	PROPN
easat-1102	460	5	kivunja	kivunja	PROPN
easat-1102	460	6	and	and	CCONJ
easat-1102	460	7	b.	b.	PROPN
easat-1102	460	8	a.	a.	PROPN
easat-1102	460	9	kuyini	kuyini	PROPN
easat-1102	460	10	,	,	PUNCT
easat-1102	460	11	"	"	PUNCT
easat-1102	460	12	understanding	understanding	NOUN
easat-1102	460	13	and	and	CCONJ
easat-1102	460	14	applying	apply	VERB
easat-1102	460	15	research	research	NOUN
easat-1102	460	16	paradigms	paradigm	NOUN
easat-1102	460	17	in	in	ADP
easat-1102	460	18	educational	educational	ADJ
easat-1102	460	19	contexts	contexts	NOUN
easat-1102	460	20	,	,	PUNCT
easat-1102	460	21	"	"	PUNCT
easat-1102	460	22	international	international	ADJ
easat-1102	460	23	journal	journal	NOUN
easat-1102	460	24	of	of	ADP
easat-1102	460	25	higher	high	ADJ
easat-1102	460	26	education	education	NOUN
easat-1102	460	27	,	,	PUNCT
easat-1102	460	28	vol	vol	NOUN
easat-1102	460	29	.	.	PROPN
easat-1102	460	30	6	6	NUM
easat-1102	460	31	,	,	PUNCT
easat-1102	460	32	no	no	INTJ
easat-1102	460	33	.	.	NOUN
easat-1102	460	34	5	5	NUM
easat-1102	460	35	,	,	PUNCT
easat-1102	460	36	pp	pp	ADJ
easat-1102	460	37	.	.	PUNCT
easat-1102	461	1	26–41	26–41	NUM
easat-1102	461	2	,	,	PUNCT
easat-1102	461	3	2017	2017	NUM
easat-1102	461	4	.	.	PUNCT
easat-1102	461	5	https://doi.org/10.5430/ijhe.v6n5p26	https://doi.org/10.5430/ijhe.v6n5p26	X
easat-1102	462	1	[	[	X
easat-1102	462	2	16	16	NUM
easat-1102	462	3	]	]	PUNCT
easat-1102	462	4	m.	m.	NOUN
easat-1102	462	5	saunders	saunder	NOUN
easat-1102	462	6	,	,	PUNCT
easat-1102	462	7	p.	p.	PROPN
easat-1102	462	8	lewis	lewis	PROPN
easat-1102	462	9	,	,	PUNCT
easat-1102	462	10	and	and	CCONJ
easat-1102	462	11	a.	a.	PROPN
easat-1102	462	12	thornhill	thornhill	PROPN
easat-1102	462	13	,	,	PUNCT
easat-1102	462	14	research	research	NOUN
easat-1102	462	15	methods	method	NOUN
easat-1102	462	16	for	for	ADP
easat-1102	462	17	business	business	NOUN
easat-1102	462	18	students	student	NOUN
easat-1102	462	19	.	.	PUNCT
easat-1102	463	1	pearson	pearson	PROPN
easat-1102	463	2	education	education	PROPN
easat-1102	463	3	.	.	PUNCT
easat-1102	464	1	https://doi.org/10.1108/qmr.2000.3.4.215.2	https://doi.org/10.1108/qmr.2000.3.4.215.2	PROPN
easat-1102	464	2	,	,	PUNCT
easat-1102	464	3	2009	2009	NUM
easat-1102	464	4	.	.	PUNCT
easat-1102	465	1	[	[	X
easat-1102	465	2	17	17	NUM
easat-1102	465	3	]	]	X
easat-1102	465	4	u.	u.	PROPN
easat-1102	465	5	majid	majid	PROPN
easat-1102	465	6	,	,	PUNCT
easat-1102	465	7	"	"	PUNCT
easat-1102	465	8	research	research	NOUN
easat-1102	465	9	fundamentals	fundamental	NOUN
easat-1102	465	10	:	:	PUNCT
easat-1102	465	11	study	study	NOUN
easat-1102	465	12	design	design	NOUN
easat-1102	465	13	,	,	PUNCT
easat-1102	465	14	population	population	NOUN
easat-1102	465	15	,	,	PUNCT
easat-1102	465	16	and	and	CCONJ
easat-1102	465	17	sample	sample	NOUN
easat-1102	465	18	size	size	NOUN
easat-1102	465	19	,	,	PUNCT
easat-1102	465	20	"	"	PUNCT
easat-1102	465	21	undergraduate	undergraduate	NOUN
easat-1102	465	22	research	research	NOUN
easat-1102	465	23	in	in	ADP
easat-1102	465	24	natural	natural	ADJ
easat-1102	465	25	and	and	CCONJ
easat-1102	465	26	clinical	clinical	ADJ
easat-1102	465	27	science	science	NOUN
easat-1102	465	28	and	and	CCONJ
easat-1102	465	29	technology	technology	NOUN
easat-1102	465	30	journal	journal	NOUN
easat-1102	465	31	,	,	PUNCT
easat-1102	465	32	vol	vol	NOUN
easat-1102	465	33	.	.	PROPN
easat-1102	465	34	2	2	NUM
easat-1102	465	35	,	,	PUNCT
easat-1102	465	36	no	no	INTJ
easat-1102	465	37	.	.	NOUN
easat-1102	465	38	1	1	NUM
easat-1102	465	39	,	,	PUNCT
easat-1102	465	40	pp	pp	ADJ
easat-1102	465	41	.	.	PUNCT
easat-1102	466	1	1–7	1–7	NUM
easat-1102	466	2	,	,	PUNCT
easat-1102	466	3	2018	2018	NUM
easat-1102	466	4	.	.	PUNCT
easat-1102	466	5	https://doi.org/10.26685/urncst.16	https://doi.org/10.26685/urncst.16	X
easat-1102	467	1	[	[	X
easat-1102	467	2	18	18	NUM
easat-1102	467	3	]	]	PUNCT
easat-1102	467	4	z.	z.	PROPN
easat-1102	467	5	awang	awang	PROPN
easat-1102	467	6	,	,	PUNCT
easat-1102	467	7	w.	w.	PROPN
easat-1102	467	8	m.	m.	PROPN
easat-1102	467	9	a.	a.	PROPN
easat-1102	467	10	wan	wan	PROPN
easat-1102	467	11	afthanorhan	afthanorhan	PROPN
easat-1102	467	12	,	,	PUNCT
easat-1102	467	13	and	and	CCONJ
easat-1102	467	14	m.	m.	NOUN
easat-1102	467	15	a.	a.	PROPN
easat-1102	467	16	m.	m.	PROPN
easat-1102	467	17	asri	asri	PROPN
easat-1102	467	18	,	,	PUNCT
easat-1102	467	19	"	"	PUNCT
easat-1102	467	20	parametric	parametric	ADJ
easat-1102	467	21	and	and	CCONJ
easat-1102	467	22	non	non	ADJ
easat-1102	467	23	parametric	parametric	ADJ
easat-1102	467	24	approach	approach	NOUN
easat-1102	467	25	in	in	ADP
easat-1102	467	26	structural	structural	ADJ
easat-1102	467	27	equation	equation	NOUN
easat-1102	467	28	modeling	modeling	NOUN
easat-1102	467	29	(	(	PUNCT
easat-1102	467	30	sem	sem	NOUN
easat-1102	467	31	):	):	PUNCT
easat-1102	467	32	the	the	DET
easat-1102	467	33	application	application	NOUN
easat-1102	467	34	of	of	ADP
easat-1102	467	35	bootstrapping	bootstrappe	VERB
easat-1102	467	36	,	,	PUNCT
easat-1102	467	37	"	"	PUNCT
easat-1102	467	38	modern	modern	ADJ
easat-1102	467	39	applied	apply	VERB
easat-1102	467	40	science	science	NOUN
easat-1102	467	41	,	,	PUNCT
easat-1102	467	42	vol	vol	NOUN
easat-1102	467	43	.	.	PROPN
easat-1102	468	1	9	9	NUM
easat-1102	468	2	,	,	PUNCT
easat-1102	468	3	no	no	INTJ
easat-1102	468	4	.	.	NOUN
easat-1102	468	5	9	9	NUM
easat-1102	468	6	,	,	PUNCT
easat-1102	468	7	pp	pp	ADJ
easat-1102	468	8	.	.	PUNCT
easat-1102	469	1	58–67	58–67	NUM
easat-1102	469	2	,	,	PUNCT
easat-1102	469	3	2015	2015	NUM
easat-1102	469	4	.	.	PUNCT
easat-1102	470	1	https://doi.org/10.5539/mas.v9n9p58	https://doi.org/10.5539/mas.v9n9p58	NOUN
easat-1102	471	1	[	[	X
easat-1102	471	2	19	19	NUM
easat-1102	471	3	]	]	PUNCT
easat-1102	471	4	m.	m.	NOUN
easat-1102	471	5	denscombe	denscombe	NOUN
easat-1102	471	6	,	,	PUNCT
easat-1102	471	7	the	the	DET
easat-1102	471	8	good	good	ADJ
easat-1102	471	9	research	research	NOUN
easat-1102	471	10	guide	guide	NOUN
easat-1102	471	11	for	for	ADP
easat-1102	471	12	small	small	ADJ
easat-1102	471	13	-	-	PUNCT
easat-1102	471	14	scale	scale	NOUN
easat-1102	471	15	social	social	ADJ
easat-1102	471	16	research	research	NOUN
easat-1102	471	17	projects	project	NOUN
easat-1102	471	18	,	,	PUNCT
easat-1102	471	19	5th	5th	ADJ
easat-1102	471	20	ed	ed	NOUN
easat-1102	471	21	.	.	PUNCT
easat-1102	472	1	maidenhead	maidenhead	PROPN
easat-1102	472	2	:	:	PUNCT
easat-1102	473	1	open	open	ADJ
easat-1102	473	2	university	university	NOUN
easat-1102	473	3	press	press	NOUN
easat-1102	473	4	,	,	PUNCT
easat-1102	473	5	mcgraw	mcgraw	PROPN
easat-1102	473	6	-	-	PUNCT
easat-1102	473	7	hill	hill	NOUN
easat-1102	473	8	education	education	NOUN
easat-1102	473	9	,	,	PUNCT
easat-1102	473	10	2016	2016	NUM
easat-1102	473	11	.	.	PUNCT
easat-1102	474	1	[	[	X
easat-1102	474	2	20	20	NUM
easat-1102	474	3	]	]	PUNCT
easat-1102	474	4	j.	j.	PROPN
easat-1102	474	5	a.	a.	PROPN
easat-1102	474	6	desimone	desimone	PROPN
easat-1102	474	7	,	,	PUNCT
easat-1102	474	8	p.	p.	PROPN
easat-1102	474	9	d.	d.	PROPN
easat-1102	474	10	harms	harm	VERB
easat-1102	474	11	,	,	PUNCT
easat-1102	474	12	and	and	CCONJ
easat-1102	474	13	a.	a.	PROPN
easat-1102	474	14	j.	j.	PROPN
easat-1102	474	15	desimone	desimone	PROPN
easat-1102	474	16	,	,	PUNCT
easat-1102	474	17	"	"	PUNCT
easat-1102	474	18	best	good	ADJ
easat-1102	474	19	practice	practice	NOUN
easat-1102	474	20	recommendations	recommendation	NOUN
easat-1102	474	21	for	for	ADP
easat-1102	474	22	data	datum	NOUN
easat-1102	474	23	screening	screening	NOUN
easat-1102	474	24	,	,	PUNCT
easat-1102	474	25	"	"	PUNCT
easat-1102	474	26	journal	journal	NOUN
easat-1102	474	27	of	of	ADP
easat-1102	474	28	organizational	organizational	ADJ
easat-1102	474	29	behavior	behavior	NOUN
easat-1102	474	30	,	,	PUNCT
easat-1102	474	31	vol	vol	NOUN
easat-1102	474	32	.	.	PROPN
easat-1102	475	1	36	36	NUM
easat-1102	475	2	,	,	PUNCT
easat-1102	475	3	no	no	INTJ
easat-1102	475	4	.	.	NOUN
easat-1102	475	5	2	2	NUM
easat-1102	475	6	,	,	PUNCT
easat-1102	475	7	pp	pp	ADJ
easat-1102	475	8	.	.	PUNCT
easat-1102	476	1	171–181	171–181	NUM
easat-1102	476	2	,	,	PUNCT
easat-1102	476	3	2015	2015	NUM
easat-1102	476	4	.	.	PUNCT
easat-1102	477	1	https://doi.org/10.1002/job.1962	https://doi.org/10.1002/job.1962	PRON
easat-1102	478	1	[	[	X
easat-1102	478	2	21	21	NUM
easat-1102	478	3	]	]	PUNCT
easat-1102	478	4	j.	j.	PROPN
easat-1102	478	5	f.	f.	PROPN
easat-1102	478	6	j.	j.	PROPN
easat-1102	478	7	hair	hair	PROPN
easat-1102	478	8	,	,	PUNCT
easat-1102	478	9	t.	t.	PROPN
easat-1102	478	10	m.	m.	PROPN
easat-1102	478	11	g.	g.	PROPN
easat-1102	478	12	hult	hult	PROPN
easat-1102	478	13	,	,	PUNCT
easat-1102	478	14	c.	c.	PROPN
easat-1102	478	15	m.	m.	PROPN
easat-1102	478	16	ringle	ringle	PROPN
easat-1102	478	17	,	,	PUNCT
easat-1102	478	18	and	and	CCONJ
easat-1102	478	19	m.	m.	NOUN
easat-1102	478	20	sarstedt	sarstedt	PROPN
easat-1102	478	21	,	,	PUNCT
easat-1102	478	22	a	a	DET
easat-1102	478	23	primer	primer	NOUN
easat-1102	478	24	on	on	ADP
easat-1102	478	25	partial	partial	ADJ
easat-1102	478	26	least	least	ADJ
easat-1102	478	27	squares	square	NOUN
easat-1102	478	28	structural	structural	ADJ
easat-1102	478	29	equation	equation	NOUN
easat-1102	478	30	modeling	modeling	NOUN
easat-1102	478	31	(	(	PUNCT
easat-1102	478	32	pls	pls	INTJ
easat-1102	478	33	-	-	PUNCT
easat-1102	478	34	sem	sem	NOUN
easat-1102	478	35	)	)	PUNCT
easat-1102	478	36	,	,	PUNCT
easat-1102	479	1	2nd	2nd	ADJ
easat-1102	479	2	ed	ed	NOUN
easat-1102	479	3	.	.	PROPN
easat-1102	480	1	thousand	thousand	NUM
easat-1102	480	2	oaks	oak	NOUN
easat-1102	480	3	,	,	PUNCT
easat-1102	480	4	ca	can	AUX
easat-1102	480	5	:	:	PUNCT
easat-1102	480	6	sage	sage	VERB
easat-1102	480	7	publications	publication	NOUN
easat-1102	480	8	ltd	ltd	PROPN
easat-1102	480	9	,	,	PUNCT
easat-1102	480	10	2017	2017	NUM
easat-1102	480	11	.	.	PUNCT
easat-1102	481	1	[	[	X
easat-1102	481	2	22	22	NUM
easat-1102	481	3	]	]	PUNCT
easat-1102	481	4	k.	k.	PROPN
easat-1102	481	5	a.	a.	PROPN
easat-1102	481	6	woon	woon	PROPN
easat-1102	481	7	and	and	CCONJ
easat-1102	481	8	c.	c.	PROPN
easat-1102	481	9	c.	c.	PROPN
easat-1102	481	10	ban	ban	PROPN
easat-1102	481	11	,	,	PUNCT
easat-1102	481	12	"	"	PUNCT
easat-1102	481	13	factors	factor	NOUN
easat-1102	481	14	influencing	influence	VERB
easat-1102	481	15	purchase	purchase	NOUN
easat-1102	481	16	intention	intention	NOUN
easat-1102	481	17	among	among	ADP
easat-1102	481	18	malaysians	malaysians	PROPN
easat-1102	481	19	in	in	ADP
easat-1102	481	20	selecting	select	VERB
easat-1102	481	21	airbnb	airbnb	NOUN
easat-1102	481	22	accommodation	accommodation	NOUN
easat-1102	481	23	,	,	PUNCT
easat-1102	481	24	"	"	PUNCT
easat-1102	481	25	berjaya	berjaya	PROPN
easat-1102	481	26	journal	journal	PROPN
easat-1102	481	27	of	of	ADP
easat-1102	481	28	services	services	PROPN
easat-1102	481	29	&	&	CCONJ
easat-1102	481	30	management	management	NOUN
easat-1102	481	31	,	,	PUNCT
easat-1102	481	32	vol	vol	NOUN
easat-1102	481	33	.	.	PROPN
easat-1102	481	34	12	12	NUM
easat-1102	481	35	,	,	PUNCT
easat-1102	481	36	pp	pp	PROPN
easat-1102	481	37	.	.	PUNCT
easat-1102	482	1	3–14	3–14	PROPN
easat-1102	482	2	,	,	PUNCT
easat-1102	482	3	2019	2019	NUM
easat-1102	482	4	.	.	PUNCT
easat-1102	483	1	[	[	X
easat-1102	483	2	23	23	NUM
easat-1102	483	3	]	]	PUNCT
easat-1102	483	4	j.	j.	PROPN
easat-1102	483	5	f.	f.	PROPN
easat-1102	483	6	j.	j.	PROPN
easat-1102	483	7	hair	hair	PROPN
easat-1102	483	8	,	,	PUNCT
easat-1102	483	9	t.	t.	PROPN
easat-1102	483	10	m.	m.	PROPN
easat-1102	483	11	g.	g.	PROPN
easat-1102	483	12	hult	hult	PROPN
easat-1102	483	13	,	,	PUNCT
easat-1102	483	14	c.	c.	PROPN
easat-1102	483	15	m.	m.	PROPN
easat-1102	483	16	ringle	ringle	PROPN
easat-1102	483	17	,	,	PUNCT
easat-1102	483	18	and	and	CCONJ
easat-1102	483	19	m.	m.	NOUN
easat-1102	483	20	sarstedt	sarstedt	NOUN
easat-1102	483	21	,	,	PUNCT
easat-1102	483	22	"	"	PUNCT
easat-1102	483	23	a	a	DET
easat-1102	483	24	primer	primer	NOUN
easat-1102	483	25	on	on	ADP
easat-1102	483	26	partial	partial	ADJ
easat-1102	483	27	least	least	ADJ
easat-1102	483	28	squares	square	NOUN
easat-1102	483	29	structural	structural	ADJ
easat-1102	483	30	equation	equation	NOUN
easat-1102	483	31	modeling	modeling	NOUN
easat-1102	483	32	(	(	PUNCT
easat-1102	483	33	pls	pls	INTJ
easat-1102	483	34	-	-	PUNCT
easat-1102	483	35	sem	sem	NOUN
easat-1102	483	36	)	)	PUNCT
easat-1102	483	37	,	,	PUNCT
easat-1102	483	38	"	"	PUNCT
easat-1102	483	39	international	international	ADJ
easat-1102	483	40	journal	journal	NOUN
easat-1102	483	41	of	of	ADP
easat-1102	483	42	research	research	NOUN
easat-1102	483	43	&	&	CCONJ
easat-1102	483	44	method	method	NOUN
easat-1102	483	45	in	in	ADP
easat-1102	483	46	education	education	NOUN
easat-1102	483	47	,	,	PUNCT
easat-1102	483	48	vol	vol	NOUN
easat-1102	483	49	.	.	PROPN
easat-1102	483	50	38	38	NUM
easat-1102	483	51	,	,	PUNCT
easat-1102	483	52	no	no	INTJ
easat-1102	483	53	.	.	NOUN
easat-1102	483	54	2	2	NUM
easat-1102	483	55	,	,	PUNCT
easat-1102	483	56	2021	2021	NUM
easat-1102	483	57	.	.	PUNCT
easat-1102	484	1	https://doi.org/10.1007/978-3-030-80519-7	https://doi.org/10.1007/978-3-030-80519-7	PROPN
easat-1102	484	2	[	[	X
easat-1102	484	3	24	24	NUM
easat-1102	484	4	]	]	PUNCT
easat-1102	484	5	s.	s.	PROPN
easat-1102	484	6	brandt	brandt	PROPN
easat-1102	484	7	,	,	PUNCT
easat-1102	484	8	"	"	PUNCT
easat-1102	484	9	data	data	VERB
easat-1102	484	10	analysis	analysis	NOUN
easat-1102	484	11	statistical	statistical	ADJ
easat-1102	484	12	and	and	CCONJ
easat-1102	484	13	computational	computational	ADJ
easat-1102	484	14	methods	method	NOUN
easat-1102	484	15	for	for	ADP
easat-1102	484	16	scientists	scientist	NOUN
easat-1102	484	17	and	and	CCONJ
easat-1102	484	18	engineers	engineer	NOUN
easat-1102	484	19	(	(	PUNCT
easat-1102	484	20	g.	g.	PROPN
easat-1102	484	21	cowan	cowan	PROPN
easat-1102	484	22	(	(	PUNCT
easat-1102	484	23	ed	ed	NOUN
easat-1102	484	24	.	.	PUNCT
easat-1102	484	25	)	)	PUNCT
easat-1102	484	26	,	,	PUNCT
easat-1102	484	27	"	"	PUNCT
easat-1102	484	28	4th	4th	ADJ
easat-1102	484	29	ed	ed	NOUN
easat-1102	484	30	.	.	PUNCT
easat-1102	484	31	:	:	PUNCT
easat-1102	484	32	springer	springer	NOUN
easat-1102	484	33	,	,	PUNCT
easat-1102	484	34	2014	2014	NUM
easat-1102	484	35	,	,	PUNCT
easat-1102	484	36	pp	pp	ADJ
easat-1102	484	37	.	.	PUNCT
easat-1102	485	1	175	175	NUM
easat-1102	485	2	-	-	SYM
easat-1102	485	3	205	205	NUM
easat-1102	485	4	.	.	PUNCT
easat-1102	486	1	[	[	X
easat-1102	486	2	25	25	NUM
easat-1102	486	3	]	]	PUNCT
easat-1102	486	4	a.	a.	NOUN
easat-1102	486	5	m.	m.	PROPN
easat-1102	486	6	mahmoud	mahmoud	PROPN
easat-1102	486	7	,	,	PUNCT
easat-1102	486	8	s.	s.	PROPN
easat-1102	486	9	ahmad	ahmad	PROPN
easat-1102	486	10	,	,	PUNCT
easat-1102	486	11	and	and	CCONJ
easat-1102	486	12	d.	d.	PROPN
easat-1102	486	13	a.	a.	PROPN
easat-1102	486	14	l.	l.	PROPN
easat-1102	486	15	poespowidjojo	poespowidjojo	PROPN
easat-1102	486	16	,	,	PUNCT
easat-1102	486	17	"	"	PUNCT
easat-1102	486	18	the	the	DET
easat-1102	486	19	role	role	NOUN
easat-1102	486	20	of	of	ADP
easat-1102	486	21	personality	personality	NOUN
easat-1102	486	22	and	and	CCONJ
easat-1102	486	23	intrapreneurial	intrapreneurial	ADJ
easat-1102	486	24	behavior	behavior	NOUN
easat-1102	486	25	on	on	ADP
easat-1102	486	26	individual	individual	ADJ
easat-1102	486	27	performance	performance	NOUN
easat-1102	486	28	:	:	PUNCT
easat-1102	486	29	data	datum	NOUN
easat-1102	486	30	screening	screening	NOUN
easat-1102	486	31	and	and	CCONJ
easat-1102	486	32	preliminary	preliminary	ADJ
easat-1102	486	33	analysis	analysis	NOUN
easat-1102	486	34	,	,	PUNCT
easat-1102	486	35	"	"	PUNCT
easat-1102	486	36	asian	asian	ADJ
easat-1102	486	37	journal	journal	NOUN
easat-1102	486	38	of	of	ADP
easat-1102	486	39	multidisciplinary	multidisciplinary	ADJ
easat-1102	486	40	studies	study	NOUN
easat-1102	486	41	,	,	PUNCT
easat-1102	486	42	vol	vol	NOUN
easat-1102	486	43	.	.	PROPN
easat-1102	486	44	6	6	NUM
easat-1102	486	45	,	,	PUNCT
easat-1102	486	46	no	no	INTJ
easat-1102	486	47	.	.	NOUN
easat-1102	486	48	2	2	NUM
easat-1102	486	49	,	,	PUNCT
easat-1102	486	50	pp	pp	ADJ
easat-1102	486	51	.	.	PUNCT
easat-1102	487	1	38	38	NUM
easat-1102	487	2	-	-	SYM
easat-1102	487	3	46	46	NUM
easat-1102	487	4	,	,	PUNCT
easat-1102	487	5	2018	2018	NUM
easat-1102	487	6	.	.	PUNCT
easat-1102	488	1	[	[	X
easat-1102	488	2	26	26	NUM
easat-1102	488	3	]	]	PUNCT
easat-1102	488	4	m.	m.	PROPN
easat-1102	488	5	r.	r.	PROPN
easat-1102	488	6	ab	ab	PROPN
easat-1102	488	7	hamid	hamid	PROPN
easat-1102	488	8	,	,	PUNCT
easat-1102	488	9	w.	w.	PROPN
easat-1102	488	10	sami	sami	PROPN
easat-1102	488	11	,	,	PUNCT
easat-1102	488	12	and	and	CCONJ
easat-1102	488	13	m.	m.	NOUN
easat-1102	488	14	m.	m.	PROPN
easat-1102	488	15	sidek	sidek	PROPN
easat-1102	488	16	,	,	PUNCT
easat-1102	488	17	"	"	PUNCT
easat-1102	488	18	discriminant	discriminant	ADJ
easat-1102	488	19	validity	validity	NOUN
easat-1102	488	20	assessment	assessment	NOUN
easat-1102	488	21	:	:	PUNCT
easat-1102	488	22	use	use	NOUN
easat-1102	488	23	of	of	ADP
easat-1102	488	24	fornell	fornell	PROPN
easat-1102	488	25	&	&	CCONJ
easat-1102	488	26	larcker	larcker	PROPN
easat-1102	488	27	criterion	criterion	NOUN
easat-1102	488	28	versus	versus	ADP
easat-1102	488	29	htmt	htmt	PROPN
easat-1102	488	30	criterion	criterion	NOUN
easat-1102	488	31	,	,	PUNCT
easat-1102	488	32	"	"	PUNCT
easat-1102	488	33	in	in	ADP
easat-1102	488	34	journal	journal	NOUN
easat-1102	488	35	of	of	ADP
easat-1102	488	36	physics	physics	PROPN
easat-1102	488	37	:	:	PUNCT
easat-1102	488	38	conference	conference	NOUN
easat-1102	488	39	series	series	NOUN
easat-1102	488	40	,	,	PUNCT
easat-1102	488	41	iop	iop	NOUN
easat-1102	488	42	publishing	publishing	NOUN
easat-1102	488	43	,	,	PUNCT
easat-1102	488	44	vol	vol	NOUN
easat-1102	488	45	.	.	PROPN
easat-1102	488	46	890	890	NUM
easat-1102	488	47	,	,	PUNCT
easat-1102	488	48	no	no	INTJ
easat-1102	488	49	.	.	NOUN
easat-1102	488	50	1	1	NUM
easat-1102	488	51	,	,	PUNCT
easat-1102	488	52	p.	p.	NOUN
easat-1102	488	53	012163	012163	NUM
easat-1102	488	54	,	,	PUNCT
easat-1102	488	55	2017	2017	NUM
easat-1102	488	56	.	.	PUNCT
easat-1102	489	1	[	[	X
easat-1102	489	2	27	27	NUM
easat-1102	489	3	]	]	X
easat-1102	489	4	c.	c.	PROPN
easat-1102	489	5	m.	m.	PROPN
easat-1102	489	6	ringle	ringle	PROPN
easat-1102	489	7	,	,	PUNCT
easat-1102	489	8	s.	s.	PROPN
easat-1102	489	9	wende	wende	VERB
easat-1102	489	10	,	,	PUNCT
easat-1102	489	11	and	and	CCONJ
easat-1102	490	1	j.-m	j.-m	PROPN
easat-1102	490	2	.	.	PUNCT
easat-1102	490	3	becker	becker	PROPN
easat-1102	490	4	,	,	PUNCT
easat-1102	490	5	"	"	PUNCT
easat-1102	490	6	"	"	PUNCT
easat-1102	490	7	smartpls	smartpls	NOUN
easat-1102	490	8	4	4	NUM
easat-1102	490	9	.	.	PUNCT
easat-1102	490	10	"	"	PUNCT
easat-1102	490	11	oststeinbek	oststeinbek	NOUN
easat-1102	490	12	:	:	PUNCT
easat-1102	490	13	smartpls	smartpls	PROPN
easat-1102	490	14	gmbh	gmbh	PROPN
easat-1102	490	15	,	,	PUNCT
easat-1102	490	16	"	"	PUNCT
easat-1102	490	17	retrieved	retrieve	VERB
easat-1102	490	18	:	:	PUNCT
easat-1102	490	19	http://www.smartpls.com	http://www.smartpls.com	X
easat-1102	490	20	.	.	PUNCT
easat-1102	491	1	[	[	X
easat-1102	491	2	accessed	access	VERB
easat-1102	491	3	2022	2022	NUM
easat-1102	491	4	.	.	PUNCT
easat-1102	492	1	[	[	X
easat-1102	492	2	28	28	NUM
easat-1102	492	3	]	]	X
easat-1102	492	4	s.	s.	PROPN
easat-1102	492	5	mourougan	mourougan	PROPN
easat-1102	492	6	and	and	CCONJ
easat-1102	492	7	k.	k.	PROPN
easat-1102	492	8	sethuraman	sethuraman	PROPN
easat-1102	492	9	,	,	PUNCT
easat-1102	492	10	"	"	PUNCT
easat-1102	492	11	hypothesis	hypothesis	NOUN
easat-1102	492	12	development	development	NOUN
easat-1102	492	13	and	and	CCONJ
easat-1102	492	14	testing	testing	NOUN
easat-1102	492	15	,	,	PUNCT
easat-1102	492	16	"	"	PUNCT
easat-1102	492	17	iosr	iosr	ADJ
easat-1102	492	18	journal	journal	NOUN
easat-1102	492	19	of	of	ADP
easat-1102	492	20	business	business	NOUN
easat-1102	492	21	and	and	CCONJ
easat-1102	492	22	management	management	NOUN
easat-1102	492	23	,	,	PUNCT
easat-1102	492	24	vol	vol	NOUN
easat-1102	492	25	.	.	PROPN
easat-1102	492	26	19	19	NUM
easat-1102	492	27	,	,	PUNCT
easat-1102	492	28	no	no	INTJ
easat-1102	492	29	.	.	NOUN
easat-1102	492	30	5	5	NUM
easat-1102	492	31	,	,	PUNCT
easat-1102	492	32	pp	pp	ADJ
easat-1102	492	33	.	.	PUNCT
easat-1102	493	1	34–40	34–40	NUM
easat-1102	493	2	,	,	PUNCT
easat-1102	493	3	2017	2017	NUM
easat-1102	493	4	.	.	PUNCT
easat-1102	494	1	https://doi.org/10.9790/487x-1905013440	https://doi.org/10.9790/487x-1905013440	PROPN
easat-1102	494	2	http://pubsonline.informs.org/journal/mksc/	http://pubsonline.informs.org/journal/mksc/	PROPN
easat-1102	494	3	https://doi.org/10.1093/jafeco/ejx028	https://doi.org/10.1093/jafeco/ejx028	PROPN
easat-1102	494	4	https://doi.org/10.1016/j.jretconser.2019.101894	https://doi.org/10.1016/j.jretconser.2019.101894	ADJ
easat-1102	494	5	https://doi.org/10.1108/jmlc-03-2018-0023	https://doi.org/10.1108/jmlc-03-2018-0023	ADJ
easat-1102	494	6	file:///c:/users	file:///c:/user	NOUN
easat-1102	494	7	/	/	SYM
easat-1102	494	8	mano	mano	PROPN
easat-1102	494	9	/	/	SYM
easat-1102	494	10	downloads	downloads	PROPN
easat-1102	494	11	/	/	SYM
easat-1102	494	12	www.nesranetwork.com	www.nesranetwork.com	NOUN
easat-1102	494	13	https://doi.org/10.1093/wbro/lky001	https://doi.org/10.1093/wbro/lky001	VERB
easat-1102	494	14	https://doi.org/10.2307/j.ctt1wn0r6q.11	https://doi.org/10.2307/j.ctt1wn0r6q.11	NOUN
easat-1102	494	15	https://doi.org/10.3390/su12010183	https://doi.org/10.3390/su12010183	X
easat-1102	494	16	https://doi.org/10.5430/ijhe.v6n5p26	https://doi.org/10.5430/ijhe.v6n5p26	NOUN
easat-1102	495	1	https://doi.org/10.1108/qmr.2000.3.4.215.2	https://doi.org/10.1108/qmr.2000.3.4.215.2	PROPN
easat-1102	495	2	https://doi.org/10.26685/urncst.16	https://doi.org/10.26685/urncst.16	NUM
easat-1102	496	1	https://doi.org/10.5539/mas.v9n9p58	https://doi.org/10.5539/mas.v9n9p58	NOUN
easat-1102	497	1	https://doi.org/10.1002/job.1962	https://doi.org/10.1002/job.1962	PROPN
easat-1102	497	2	https://doi.org/10.1007/978-3-030-80519-7	https://doi.org/10.1007/978-3-030-80519-7	PROPN
easat-1102	497	3	http://www.smartpls.com/	http://www.smartpls.com/	NOUN
easat-1102	497	4	https://doi.org/10.9790/487x-1905013440	https://doi.org/10.9790/487x-1905013440	PROPN