id	sid	tid	token	lemma	pos
easat-1490	1	1	edelweiss	edelweiss	PROPN
easat-1490	1	2	applied	apply	VERB
easat-1490	1	3	science	science	NOUN
easat-1490	1	4	and	and	CCONJ
easat-1490	1	5	technology	technology	NOUN
easat-1490	1	6	issn	issn	PROPN
easat-1490	1	7	:	:	PUNCT
easat-1490	1	8	2576	2576	NUM
easat-1490	1	9	-	-	SYM
easat-1490	1	10	8484	8484	NUM
easat-1490	1	11	vol	vol	NOUN
easat-1490	1	12	.	.	PROPN
easat-1490	1	13	8	8	NUM
easat-1490	1	14	,	,	PUNCT
easat-1490	1	15	no	no	INTJ
easat-1490	1	16	.	.	NOUN
easat-1490	1	17	4	4	NUM
easat-1490	1	18	,	,	PUNCT
easat-1490	1	19	1157	1157	NUM
easat-1490	1	20	-	-	SYM
easat-1490	1	21	1173	1173	NUM
easat-1490	1	22	2024	2024	NUM
easat-1490	1	23	publisher	publisher	NOUN
easat-1490	1	24	:	:	PUNCT
easat-1490	1	25	learning	learn	VERB
easat-1490	1	26	gate	gate	NOUN
easat-1490	1	27	doi	doi	PROPN
easat-1490	1	28	:	:	PUNCT
easat-1490	1	29	10.55214/25768484.v8i4.1490	10.55214/25768484.v8i4.1490	NUM
easat-1490	1	30	©	©	PROPN
easat-1490	1	31	2024	2024	NUM
easat-1490	1	32	by	by	ADP
easat-1490	1	33	the	the	DET
easat-1490	1	34	authors	author	NOUN
easat-1490	1	35	;	;	PUNCT
easat-1490	1	36	licensee	licensee	PROPN
easat-1490	1	37	learning	learning	NOUN
easat-1490	1	38	gate	gate	NOUN
easat-1490	1	39	©	©	PROPN
easat-1490	1	40	2024	2024	NUM
easat-1490	1	41	by	by	ADP
easat-1490	1	42	the	the	DET
easat-1490	1	43	authors	author	NOUN
easat-1490	1	44	;	;	PUNCT
easat-1490	1	45	licensee	licensee	PROPN
easat-1490	1	46	learning	learn	VERB
easat-1490	1	47	gate	gate	NOUN
easat-1490	1	48	*	*	PUNCT
easat-1490	1	49	correspondence	correspondence	NOUN
easat-1490	1	50	:	:	PUNCT
easat-1490	2	1	fhrizzdejesus01@gmail.com	fhrizzdejesus01@gmail.com	X
easat-1490	2	2	examining	examine	VERB
easat-1490	2	3	consumers	consumer	NOUN
easat-1490	2	4	attitude	attitude	NOUN
easat-1490	2	5	towards	towards	ADP
easat-1490	2	6	e	e	NOUN
easat-1490	2	7	-	-	NOUN
easat-1490	2	8	wallet	wallet	NOUN
easat-1490	2	9	utilization	utilization	NOUN
easat-1490	2	10	as	as	ADP
easat-1490	2	11	a	a	DET
easat-1490	2	12	payment	payment	NOUN
easat-1490	2	13	method	method	NOUN
easat-1490	2	14	using	use	VERB
easat-1490	2	15	technology	technology	NOUN
easat-1490	2	16	acceptance	acceptance	NOUN
easat-1490	2	17	model	model	NOUN
easat-1490	2	18	:	:	PUNCT
easat-1490	2	19	a	a	DET
easat-1490	2	20	perspective	perspective	NOUN
easat-1490	2	21	from	from	ADP
easat-1490	2	22	young	young	ADJ
easat-1490	2	23	generations	generation	NOUN
easat-1490	2	24	in	in	ADP
easat-1490	2	25	nueva	nueva	PROPN
easat-1490	2	26	ecija	ecija	PROPN
easat-1490	2	27	,	,	PUNCT
easat-1490	2	28	philippines	philippines	PROPN
easat-1490	2	29	marlon	marlon	PROPN
easat-1490	2	30	leyesa1	leyesa1	PROPN
easat-1490	2	31	,	,	PUNCT
easat-1490	2	32	fhrizz	fhrizz	PROPN
easat-1490	2	33	s.	s.	PROPN
easat-1490	2	34	de	de	PROPN
easat-1490	2	35	jesus2	jesus2	PROPN
easat-1490	2	36	*	*	PROPN
easat-1490	2	37	,	,	PUNCT
easat-1490	2	38	crisanto	crisanto	PROPN
easat-1490	2	39	de	de	X
easat-1490	2	40	jesus3	jesus3	PROPN
easat-1490	2	41	,	,	PUNCT
easat-1490	2	42	atty	atty	PROPN
easat-1490	2	43	.	.	PUNCT
easat-1490	3	1	gerald	gerald	PROPN
easat-1490	3	2	a.	a.	PROPN
easat-1490	3	3	quijano4	quijano4	PROPN
easat-1490	3	4	;	;	PUNCT
easat-1490	3	5	noel	noel	PROPN
easat-1490	3	6	agustin5	agustin5	PROPN
easat-1490	4	1	1bulacan	1bulacan	NUM
easat-1490	4	2	state	state	NOUN
easat-1490	4	3	university/	university/	NUM
easat-1490	4	4	malolos	malolos	PROPN
easat-1490	4	5	,	,	PUNCT
easat-1490	4	6	bulacan	bulacan	PROPN
easat-1490	4	7	,	,	PUNCT
easat-1490	4	8	philippines	philippine	NOUN
easat-1490	4	9	;	;	PUNCT
easat-1490	4	10	marlon.santos@bulsu.edu.ph	marlon.santos@bulsu.edu.ph	PROPN
easat-1490	4	11	(	(	PUNCT
easat-1490	4	12	m.l	m.l	PROPN
easat-1490	4	13	.	.	PUNCT
easat-1490	4	14	)	)	PUNCT
easat-1490	4	15	.	.	PUNCT
easat-1490	5	1	2,3,4nueva	2,3,4nueva	NUM
easat-1490	5	2	ecija	ecija	PROPN
easat-1490	5	3	university	university	PROPN
easat-1490	5	4	of	of	ADP
easat-1490	5	5	science	science	NOUN
easat-1490	5	6	and	and	CCONJ
easat-1490	5	7	technology/	technology/	NUM
easat-1490	5	8	atate	atate	ADJ
easat-1490	5	9	campus	campus	NOUN
easat-1490	5	10	,	,	PUNCT
easat-1490	5	11	palayan	palayan	NOUN
easat-1490	5	12	city	city	PROPN
easat-1490	5	13	,	,	PUNCT
easat-1490	5	14	philippines	philippine	NOUN
easat-1490	5	15	;	;	PUNCT
easat-1490	5	16	fhrizzdejesus01@gmail.com	fhrizzdejesus01@gmail.com	X
easat-1490	5	17	(	(	PUNCT
easat-1490	5	18	f.s.d.j	f.s.d.j	PROPN
easat-1490	5	19	.	.	PUNCT
easat-1490	5	20	)	)	PUNCT
easat-1490	6	1	crisddejesus@gmail.com	crisddejesus@gmail.com	X
easat-1490	7	1	(	(	PUNCT
easat-1490	7	2	c.d.j	c.d.j	PROPN
easat-1490	7	3	.	.	PUNCT
easat-1490	7	4	)	)	PUNCT
easat-1490	8	1	quijanogerald9@gmail.com	quijanogerald9@gmail.com	X
easat-1490	8	2	(	(	PUNCT
easat-1490	8	3	a.g.a.q	a.g.a.q	PROPN
easat-1490	8	4	.	.	PROPN
easat-1490	8	5	)	)	PUNCT
easat-1490	8	6	.	.	PUNCT
easat-1490	9	1	5nueva	5nueva	NUM
easat-1490	9	2	ecija	ecija	PROPN
easat-1490	9	3	university	university	PROPN
easat-1490	9	4	of	of	ADP
easat-1490	9	5	science	science	NOUN
easat-1490	9	6	and	and	CCONJ
easat-1490	9	7	technology/	technology/	NUM
easat-1490	9	8	sumacab	sumacab	PROPN
easat-1490	9	9	campus	campus	PROPN
easat-1490	9	10	,	,	PUNCT
easat-1490	9	11	cabanatuan	cabanatuan	PROPN
easat-1490	9	12	city	city	PROPN
easat-1490	9	13	,	,	PUNCT
easat-1490	9	14	philippines	philippine	NOUN
easat-1490	9	15	;	;	PUNCT
easat-1490	9	16	nagustin289@gmail.com	nagustin289@gmail.com	X
easat-1490	9	17	(	(	PUNCT
easat-1490	9	18	n.a	n.a	PROPN
easat-1490	9	19	.	.	PROPN
easat-1490	9	20	)	)	PUNCT
easat-1490	9	21	.	.	PUNCT
easat-1490	10	1	abstract	abstract	ADV
easat-1490	10	2	:	:	PUNCT
easat-1490	10	3	this	this	DET
easat-1490	10	4	study	study	NOUN
easat-1490	10	5	aims	aim	VERB
easat-1490	10	6	to	to	PART
easat-1490	10	7	provide	provide	VERB
easat-1490	10	8	valuable	valuable	ADJ
easat-1490	10	9	insights	insight	NOUN
easat-1490	10	10	into	into	ADP
easat-1490	10	11	how	how	SCONJ
easat-1490	10	12	consumers	consumer	NOUN
easat-1490	10	13	interact	interact	VERB
easat-1490	10	14	with	with	ADP
easat-1490	10	15	e	e	NOUN
easat-1490	10	16	-	-	NOUN
easat-1490	10	17	wallets	wallet	NOUN
easat-1490	10	18	in	in	ADP
easat-1490	10	19	order	order	NOUN
easat-1490	10	20	to	to	PART
easat-1490	10	21	understand	understand	VERB
easat-1490	10	22	their	their	PRON
easat-1490	10	23	behaviors	behavior	NOUN
easat-1490	10	24	and	and	CCONJ
easat-1490	10	25	preferences	preference	NOUN
easat-1490	10	26	.	.	PUNCT
easat-1490	11	1	this	this	DET
easat-1490	11	2	perspective	perspective	NOUN
easat-1490	11	3	and	and	CCONJ
easat-1490	11	4	behavior	behavior	NOUN
easat-1490	11	5	can	can	AUX
easat-1490	11	6	help	help	VERB
easat-1490	11	7	businesses	business	NOUN
easat-1490	11	8	and	and	CCONJ
easat-1490	11	9	institutions	institution	NOUN
easat-1490	11	10	better	well	ADV
easat-1490	11	11	understand	understand	VERB
easat-1490	11	12	consumer	consumer	NOUN
easat-1490	11	13	behavior	behavior	NOUN
easat-1490	11	14	and	and	CCONJ
easat-1490	11	15	develop	develop	VERB
easat-1490	11	16	strategies	strategy	NOUN
easat-1490	11	17	to	to	PART
easat-1490	11	18	increase	increase	VERB
easat-1490	11	19	e	e	NOUN
easat-1490	11	20	-	-	NOUN
easat-1490	11	21	wallet	wallet	NOUN
easat-1490	11	22	adoption	adoption	NOUN
easat-1490	11	23	.	.	PUNCT
easat-1490	12	1	this	this	DET
easat-1490	12	2	research	research	NOUN
easat-1490	12	3	study	study	NOUN
easat-1490	12	4	is	be	AUX
easat-1490	12	5	descriptive	descriptive	ADJ
easat-1490	12	6	in	in	ADP
easat-1490	12	7	nature	nature	NOUN
easat-1490	12	8	.	.	PUNCT
easat-1490	13	1	the	the	DET
easat-1490	13	2	researchers	researcher	NOUN
easat-1490	13	3	utilized	utilize	VERB
easat-1490	13	4	frequency	frequency	NOUN
easat-1490	13	5	,	,	PUNCT
easat-1490	13	6	percentage	percentage	NOUN
easat-1490	13	7	,	,	PUNCT
easat-1490	13	8	weighted	weight	VERB
easat-1490	13	9	mean	mean	ADJ
easat-1490	13	10	,	,	PUNCT
easat-1490	13	11	and	and	CCONJ
easat-1490	13	12	pearson	pearson	PROPN
easat-1490	13	13	r	r	NOUN
easat-1490	13	14	as	as	ADP
easat-1490	13	15	statistical	statistical	ADJ
easat-1490	13	16	treatment	treatment	NOUN
easat-1490	13	17	.	.	PUNCT
easat-1490	14	1	according	accord	VERB
easat-1490	14	2	to	to	ADP
easat-1490	14	3	the	the	DET
easat-1490	14	4	findings	finding	NOUN
easat-1490	14	5	,	,	PUNCT
easat-1490	14	6	majority	majority	NOUN
easat-1490	14	7	of	of	ADP
easat-1490	14	8	respondents	respondent	NOUN
easat-1490	14	9	stated	state	VERB
easat-1490	14	10	that	that	SCONJ
easat-1490	14	11	information	information	NOUN
easat-1490	14	12	privacy	privacy	NOUN
easat-1490	14	13	is	be	AUX
easat-1490	14	14	the	the	DET
easat-1490	14	15	most	most	ADV
easat-1490	14	16	common	common	ADJ
easat-1490	14	17	and	and	CCONJ
easat-1490	14	18	most	most	ADV
easat-1490	14	19	encountered	encounter	VERB
easat-1490	14	20	problem	problem	NOUN
easat-1490	14	21	related	relate	VERB
easat-1490	14	22	to	to	ADP
easat-1490	14	23	their	their	PRON
easat-1490	14	24	use	use	NOUN
easat-1490	14	25	of	of	ADP
easat-1490	14	26	e	e	NOUN
easat-1490	14	27	-	-	NOUN
easat-1490	14	28	wallets	wallet	NOUN
easat-1490	14	29	,	,	PUNCT
easat-1490	14	30	while	while	SCONJ
easat-1490	14	31	few	few	ADJ
easat-1490	14	32	reported	report	VERB
easat-1490	14	33	the	the	DET
easat-1490	14	34	fewest	few	ADJ
easat-1490	14	35	,	,	PUNCT
easat-1490	14	36	which	which	PRON
easat-1490	14	37	were	be	AUX
easat-1490	14	38	unauthorized	unauthorized	ADJ
easat-1490	14	39	application	application	NOUN
easat-1490	14	40	updates	update	NOUN
easat-1490	14	41	.	.	PUNCT
easat-1490	15	1	the	the	DET
easat-1490	15	2	statement	statement	NOUN
easat-1490	15	3	implies	imply	VERB
easat-1490	15	4	that	that	SCONJ
easat-1490	15	5	the	the	DET
easat-1490	15	6	majority	majority	NOUN
easat-1490	15	7	of	of	ADP
easat-1490	15	8	respondents	respondent	NOUN
easat-1490	15	9	were	be	AUX
easat-1490	15	10	concerned	concerned	ADJ
easat-1490	15	11	about	about	ADP
easat-1490	15	12	their	their	PRON
easat-1490	15	13	information	information	NOUN
easat-1490	15	14	's	's	PART
easat-1490	15	15	security	security	NOUN
easat-1490	15	16	and	and	CCONJ
easat-1490	15	17	safety	safety	NOUN
easat-1490	15	18	.	.	PUNCT
easat-1490	16	1	according	accord	VERB
easat-1490	16	2	to	to	ADP
easat-1490	16	3	respondents	respondent	NOUN
easat-1490	16	4	,	,	PUNCT
easat-1490	16	5	fear	fear	VERB
easat-1490	16	6	stems	stem	VERB
easat-1490	16	7	from	from	ADP
easat-1490	16	8	concerns	concern	NOUN
easat-1490	16	9	about	about	ADP
easat-1490	16	10	others	other	NOUN
easat-1490	16	11	gaining	gain	VERB
easat-1490	16	12	unauthorized	unauthorized	ADJ
easat-1490	16	13	access	access	NOUN
easat-1490	16	14	,	,	PUNCT
easat-1490	16	15	data	datum	NOUN
easat-1490	16	16	breaches	breach	NOUN
easat-1490	16	17	,	,	PUNCT
easat-1490	16	18	or	or	CCONJ
easat-1490	16	19	the	the	DET
easat-1490	16	20	misuse	misuse	NOUN
easat-1490	16	21	of	of	ADP
easat-1490	16	22	sensitive	sensitive	ADJ
easat-1490	16	23	information	information	NOUN
easat-1490	16	24	.	.	PUNCT
easat-1490	17	1	conduct	conduct	NOUN
easat-1490	17	2	interviews	interview	NOUN
easat-1490	17	3	and	and	CCONJ
easat-1490	17	4	surveys	survey	NOUN
easat-1490	17	5	in	in	ADP
easat-1490	17	6	your	your	PRON
easat-1490	17	7	community	community	NOUN
easat-1490	17	8	to	to	PART
easat-1490	17	9	find	find	VERB
easat-1490	17	10	out	out	ADP
easat-1490	17	11	why	why	SCONJ
easat-1490	17	12	people	people	NOUN
easat-1490	17	13	are	be	AUX
easat-1490	17	14	n't	not	PART
easat-1490	17	15	using	use	VERB
easat-1490	17	16	e	e	NOUN
easat-1490	17	17	-	-	NOUN
easat-1490	17	18	wallets	wallet	NOUN
easat-1490	17	19	.	.	PUNCT
easat-1490	18	1	the	the	DET
easat-1490	18	2	researchers	researcher	NOUN
easat-1490	18	3	recommended	recommend	VERB
easat-1490	18	4	implementing	implement	VERB
easat-1490	18	5	training	training	NOUN
easat-1490	18	6	programs	program	NOUN
easat-1490	18	7	on	on	ADP
easat-1490	18	8	e	e	NOUN
easat-1490	18	9	-	-	NOUN
easat-1490	18	10	wallet	wallet	NOUN
easat-1490	18	11	usage	usage	NOUN
easat-1490	18	12	to	to	PART
easat-1490	18	13	educate	educate	VERB
easat-1490	18	14	the	the	DET
easat-1490	18	15	community	community	NOUN
easat-1490	18	16	through	through	ADP
easat-1490	18	17	focused	focused	ADJ
easat-1490	18	18	campaigns	campaign	NOUN
easat-1490	18	19	,	,	PUNCT
easat-1490	18	20	enhancing	enhance	VERB
easat-1490	18	21	the	the	DET
easat-1490	18	22	usability	usability	NOUN
easat-1490	18	23	and	and	CCONJ
easat-1490	18	24	accessibility	accessibility	NOUN
easat-1490	18	25	of	of	ADP
easat-1490	18	26	the	the	DET
easat-1490	18	27	application	application	NOUN
easat-1490	18	28	for	for	ADP
easat-1490	18	29	ongoing	ongoing	ADJ
easat-1490	18	30	enhancement	enhancement	NOUN
easat-1490	18	31	.	.	PUNCT
easat-1490	19	1	keywords	keyword	NOUN
easat-1490	19	2	:	:	PUNCT
easat-1490	19	3	consumer	consumer	NOUN
easat-1490	19	4	attitude	attitude	NOUN
easat-1490	19	5	,	,	PUNCT
easat-1490	19	6	e	e	NOUN
easat-1490	19	7	-	-	NOUN
easat-1490	19	8	wallet	wallet	NOUN
easat-1490	19	9	utilization	utilization	NOUN
easat-1490	19	10	,	,	PUNCT
easat-1490	19	11	payment	payment	NOUN
easat-1490	19	12	method	method	NOUN
easat-1490	19	13	,	,	PUNCT
easat-1490	19	14	technology	technology	NOUN
easat-1490	19	15	acceptance	acceptance	NOUN
easat-1490	19	16	model	model	NOUN
easat-1490	19	17	,	,	PUNCT
easat-1490	19	18	technology	technology	NOUN
easat-1490	19	19	.	.	PUNCT
easat-1490	20	1	1	1	X
easat-1490	20	2	.	.	X
easat-1490	20	3	introduction	introduction	NOUN
easat-1490	20	4	over	over	ADP
easat-1490	20	5	the	the	DET
easat-1490	20	6	past	past	ADJ
easat-1490	20	7	few	few	ADJ
easat-1490	20	8	years	year	NOUN
easat-1490	20	9	,	,	PUNCT
easat-1490	20	10	consumer	consumer	NOUN
easat-1490	20	11	behavior	behavior	NOUN
easat-1490	20	12	has	have	AUX
easat-1490	20	13	experienced	experience	VERB
easat-1490	20	14	a	a	DET
easat-1490	20	15	significant	significant	ADJ
easat-1490	20	16	change	change	NOUN
easat-1490	20	17	due	due	ADP
easat-1490	20	18	to	to	ADP
easat-1490	20	19	fast	fast	ADJ
easat-1490	20	20	technology	technology	NOUN
easat-1490	20	21	progress	progress	NOUN
easat-1490	20	22	.	.	PUNCT
easat-1490	21	1	one	one	NUM
easat-1490	21	2	notable	notable	ADJ
easat-1490	21	3	innovation	innovation	NOUN
easat-1490	21	4	among	among	ADP
easat-1490	21	5	these	these	PRON
easat-1490	21	6	is	be	AUX
easat-1490	21	7	the	the	DET
easat-1490	21	8	widespread	widespread	ADJ
easat-1490	21	9	adoption	adoption	NOUN
easat-1490	21	10	of	of	ADP
easat-1490	21	11	electronic	electronic	ADJ
easat-1490	21	12	wallets	wallet	NOUN
easat-1490	21	13	(	(	PUNCT
easat-1490	21	14	e	e	NOUN
easat-1490	21	15	-	-	NOUN
easat-1490	21	16	wallets	wallet	NOUN
easat-1490	21	17	)	)	PUNCT
easat-1490	21	18	as	as	ADP
easat-1490	21	19	a	a	DET
easat-1490	21	20	preferred	preferred	ADJ
easat-1490	21	21	choice	choice	NOUN
easat-1490	21	22	for	for	ADP
easat-1490	21	23	conducting	conduct	VERB
easat-1490	21	24	online	online	ADJ
easat-1490	21	25	transactions	transaction	NOUN
easat-1490	21	26	.	.	PUNCT
easat-1490	22	1	the	the	DET
easat-1490	22	2	study	study	NOUN
easat-1490	22	3	conducted	conduct	VERB
easat-1490	22	4	by	by	ADP
easat-1490	22	5	agustin	agustin	PROPN
easat-1490	22	6	,	,	PUNCT
easat-1490	22	7	marvella	marvella	PROPN
easat-1490	22	8	,	,	PUNCT
easat-1490	22	9	and	and	CCONJ
easat-1490	22	10	deviarti	deviarti	PROPN
easat-1490	22	11	(	(	PUNCT
easat-1490	22	12	2023	2023	NUM
easat-1490	22	13	)	)	PUNCT
easat-1490	22	14	highlights	highlight	VERB
easat-1490	22	15	the	the	DET
easat-1490	22	16	growing	grow	VERB
easat-1490	22	17	use	use	NOUN
easat-1490	22	18	of	of	ADP
easat-1490	22	19	e	e	NOUN
easat-1490	22	20	-	-	NOUN
easat-1490	22	21	wallets	wallet	NOUN
easat-1490	22	22	as	as	ADP
easat-1490	22	23	a	a	DET
easat-1490	22	24	method	method	NOUN
easat-1490	22	25	of	of	ADP
easat-1490	22	26	digital	digital	ADJ
easat-1490	22	27	payment	payment	NOUN
easat-1490	22	28	.	.	PUNCT
easat-1490	23	1	this	this	PRON
easat-1490	23	2	demonstrates	demonstrate	VERB
easat-1490	23	3	a	a	DET
easat-1490	23	4	notable	notable	ADJ
easat-1490	23	5	change	change	NOUN
easat-1490	23	6	in	in	ADP
easat-1490	23	7	consumer	consumer	NOUN
easat-1490	23	8	behavior	behavior	NOUN
easat-1490	23	9	and	and	CCONJ
easat-1490	23	10	the	the	DET
easat-1490	23	11	use	use	NOUN
easat-1490	23	12	of	of	ADP
easat-1490	23	13	financial	financial	ADJ
easat-1490	23	14	technologies	technology	NOUN
easat-1490	23	15	.	.	PUNCT
easat-1490	24	1	e	e	X
easat-1490	24	2	-	-	NOUN
easat-1490	24	3	wallets	wallet	NOUN
easat-1490	24	4	,	,	PUNCT
easat-1490	24	5	which	which	PRON
easat-1490	24	6	are	be	AUX
easat-1490	24	7	essentially	essentially	ADV
easat-1490	24	8	digital	digital	ADJ
easat-1490	24	9	equivalents	equivalent	NOUN
easat-1490	24	10	of	of	ADP
easat-1490	24	11	physical	physical	ADJ
easat-1490	24	12	wallets	wallet	NOUN
easat-1490	24	13	,	,	PUNCT
easat-1490	24	14	have	have	AUX
easat-1490	24	15	completely	completely	ADV
easat-1490	24	16	transformed	transform	VERB
easat-1490	24	17	the	the	DET
easat-1490	24	18	world	world	NOUN
easat-1490	24	19	of	of	ADP
easat-1490	24	20	digital	digital	ADJ
easat-1490	24	21	payments	payment	NOUN
easat-1490	24	22	.	.	PUNCT
easat-1490	25	1	they	they	PRON
easat-1490	25	2	provide	provide	VERB
easat-1490	25	3	a	a	DET
easat-1490	25	4	smooth	smooth	ADJ
easat-1490	25	5	and	and	CCONJ
easat-1490	25	6	convenient	convenient	ADJ
easat-1490	25	7	payment	payment	NOUN
easat-1490	25	8	system	system	NOUN
easat-1490	25	9	that	that	PRON
easat-1490	25	10	can	can	AUX
easat-1490	25	11	be	be	AUX
easat-1490	25	12	accessed	access	VERB
easat-1490	25	13	via	via	ADP
easat-1490	25	14	computers	computer	NOUN
easat-1490	25	15	or	or	CCONJ
easat-1490	25	16	smartphones	smartphone	NOUN
easat-1490	25	17	,	,	PUNCT
easat-1490	25	18	making	make	VERB
easat-1490	25	19	it	it	PRON
easat-1490	25	20	easy	easy	ADJ
easat-1490	25	21	to	to	PART
easat-1490	25	22	carry	carry	VERB
easat-1490	25	23	out	out	ADP
easat-1490	25	24	transactions	transaction	NOUN
easat-1490	25	25	for	for	ADP
easat-1490	25	26	a	a	DET
easat-1490	25	27	wide	wide	ADJ
easat-1490	25	28	range	range	NOUN
easat-1490	25	29	of	of	ADP
easat-1490	25	30	products	product	NOUN
easat-1490	25	31	and	and	CCONJ
easat-1490	25	32	services	service	NOUN
easat-1490	25	33	,	,	PUNCT
easat-1490	25	34	such	such	ADJ
easat-1490	25	35	as	as	ADP
easat-1490	25	36	groceries	grocery	NOUN
easat-1490	25	37	and	and	CCONJ
easat-1490	25	38	airline	airline	NOUN
easat-1490	25	39	tickets	ticket	NOUN
easat-1490	25	40	,	,	PUNCT
easat-1490	25	41	without	without	ADP
easat-1490	25	42	the	the	DET
easat-1490	25	43	need	need	NOUN
easat-1490	25	44	for	for	ADP
easat-1490	25	45	cash	cash	NOUN
easat-1490	25	46	or	or	CCONJ
easat-1490	25	47	actual	actual	ADJ
easat-1490	25	48	credit	credit	NOUN
easat-1490	25	49	cards	card	NOUN
easat-1490	25	50	.	.	PUNCT
easat-1490	26	1	electronic	electronic	ADJ
easat-1490	26	2	wallets	wallet	NOUN
easat-1490	26	3	have	have	AUX
easat-1490	26	4	become	become	VERB
easat-1490	26	5	progressively	progressively	ADV
easat-1490	26	6	popular	popular	ADJ
easat-1490	26	7	,	,	PUNCT
easat-1490	26	8	particularly	particularly	ADV
easat-1490	26	9	among	among	ADP
easat-1490	26	10	younger	young	ADJ
easat-1490	26	11	generations	generation	NOUN
easat-1490	26	12	,	,	PUNCT
easat-1490	26	13	due	due	ADP
easat-1490	26	14	to	to	ADP
easat-1490	26	15	their	their	PRON
easat-1490	26	16	enhanced	enhanced	ADJ
easat-1490	26	17	convenience	convenience	NOUN
easat-1490	26	18	.	.	PUNCT
easat-1490	27	1	the	the	DET
easat-1490	27	2	utilization	utilization	NOUN
easat-1490	27	3	of	of	ADP
easat-1490	27	4	e	e	NOUN
easat-1490	27	5	-	-	NOUN
easat-1490	27	6	wallets	wallet	NOUN
easat-1490	27	7	is	be	AUX
easat-1490	27	8	not	not	PART
easat-1490	27	9	merely	merely	ADV
easat-1490	27	10	a	a	DET
easat-1490	27	11	temporary	temporary	ADJ
easat-1490	27	12	trend	trend	NOUN
easat-1490	27	13	;	;	PUNCT
easat-1490	27	14	rather	rather	ADV
easat-1490	27	15	,	,	PUNCT
easat-1490	27	16	it	it	PRON
easat-1490	27	17	is	be	AUX
easat-1490	27	18	supported	support	VERB
easat-1490	27	19	by	by	ADP
easat-1490	27	20	a	a	DET
easat-1490	27	21	variety	variety	NOUN
easat-1490	27	22	of	of	ADP
easat-1490	27	23	factors	factor	NOUN
easat-1490	27	24	.	.	PUNCT
easat-1490	28	1	electronic	electronic	ADJ
easat-1490	28	2	wallets	wallet	NOUN
easat-1490	28	3	have	have	AUX
easat-1490	28	4	become	become	VERB
easat-1490	28	5	a	a	DET
easat-1490	28	6	dependable	dependable	ADJ
easat-1490	28	7	and	and	CCONJ
easat-1490	28	8	widely	widely	ADV
easat-1490	28	9	accepted	accept	VERB
easat-1490	28	10	means	mean	NOUN
easat-1490	28	11	of	of	ADP
easat-1490	28	12	digital	digital	ADJ
easat-1490	28	13	payments	payment	NOUN
easat-1490	28	14	as	as	ADP
easat-1490	28	15	a	a	DET
easat-1490	28	16	result	result	NOUN
easat-1490	28	17	of	of	ADP
easat-1490	28	18	the	the	DET
easat-1490	28	19	growing	grow	VERB
easat-1490	28	20	prevalence	prevalence	NOUN
easat-1490	28	21	of	of	ADP
easat-1490	28	22	smartphones	smartphone	NOUN
easat-1490	28	23	and	and	CCONJ
easat-1490	28	24	internet	internet	NOUN
easat-1490	28	25	usage	usage	NOUN
easat-1490	28	26	in	in	ADP
easat-1490	28	27	emerging	emerge	VERB
easat-1490	28	28	countries	country	NOUN
easat-1490	28	29	(	(	PUNCT
easat-1490	28	30	ramli	ramli	PROPN
easat-1490	28	31	&	&	CCONJ
easat-1490	28	32	hamzah	hamzah	PROPN
easat-1490	28	33	,	,	PUNCT
easat-1490	28	34	2021	2021	NUM
easat-1490	28	35	)	)	PUNCT
easat-1490	28	36	.	.	PUNCT
easat-1490	29	1	the	the	DET
easat-1490	29	2	simplicity	simplicity	NOUN
easat-1490	29	3	of	of	ADP
easat-1490	29	4	not	not	PART
easat-1490	29	5	needing	need	VERB
easat-1490	29	6	to	to	PART
easat-1490	29	7	carry	carry	VERB
easat-1490	29	8	physical	physical	ADJ
easat-1490	29	9	wallets	wallet	NOUN
easat-1490	29	10	or	or	CCONJ
easat-1490	29	11	cards	card	NOUN
easat-1490	29	12	,	,	PUNCT
easat-1490	29	13	along	along	ADP
easat-1490	29	14	with	with	ADP
easat-1490	29	15	the	the	DET
easat-1490	29	16	capability	capability	NOUN
easat-1490	29	17	to	to	PART
easat-1490	29	18	handle	handle	VERB
easat-1490	29	19	transactions	transaction	NOUN
easat-1490	29	20	while	while	SCONJ
easat-1490	29	21	on	on	ADP
easat-1490	29	22	the	the	DET
easat-1490	29	23	move	move	NOUN
easat-1490	29	24	,	,	PUNCT
easat-1490	29	25	further	far	ADV
easat-1490	29	26	amplifies	amplify	VERB
easat-1490	29	27	the	the	DET
easat-1490	29	28	attractiveness	attractiveness	NOUN
easat-1490	29	29	of	of	ADP
easat-1490	29	30	e	e	NOUN
easat-1490	29	31	-	-	NOUN
easat-1490	29	32	wallets	wallet	NOUN
easat-1490	29	33	.	.	PUNCT
easat-1490	30	1	https://orcid.org/0000-0001-7174-1576	https://orcid.org/0000-0001-7174-1576	NOUN
easat-1490	30	2	1158	1158	NUM
easat-1490	30	3	edelweiss	edelweiss	PROPN
easat-1490	30	4	applied	apply	VERB
easat-1490	30	5	science	science	NOUN
easat-1490	30	6	and	and	CCONJ
easat-1490	30	7	technology	technology	NOUN
easat-1490	30	8	issn	issn	PROPN
easat-1490	30	9	:	:	PUNCT
easat-1490	30	10	2576	2576	NUM
easat-1490	30	11	-	-	SYM
easat-1490	30	12	8484	8484	NUM
easat-1490	30	13	vol	vol	NOUN
easat-1490	30	14	.	.	PROPN
easat-1490	30	15	8	8	NUM
easat-1490	30	16	,	,	PUNCT
easat-1490	30	17	no	no	INTJ
easat-1490	30	18	.	.	NOUN
easat-1490	30	19	4	4	NUM
easat-1490	30	20	:	:	SYM
easat-1490	30	21	1157	1157	NUM
easat-1490	30	22	-	-	SYM
easat-1490	30	23	1173	1173	NUM
easat-1490	30	24	,	,	PUNCT
easat-1490	30	25	2024	2024	NUM
easat-1490	30	26	doi	doi	NOUN
easat-1490	30	27	:	:	PUNCT
easat-1490	30	28	10.55214/25768484.v8i4.1490	10.55214/25768484.v8i4.1490	NUM
easat-1490	30	29	©	©	PROPN
easat-1490	30	30	2024	2024	NUM
easat-1490	30	31	by	by	ADP
easat-1490	30	32	the	the	DET
easat-1490	30	33	authors	author	NOUN
easat-1490	30	34	;	;	PUNCT
easat-1490	30	35	licensee	licensee	PROPN
easat-1490	30	36	learning	learning	NOUN
easat-1490	30	37	gate	gate	NOUN
easat-1490	30	38	in	in	ADP
easat-1490	30	39	addition	addition	NOUN
easat-1490	30	40	,	,	PUNCT
easat-1490	30	41	the	the	DET
easat-1490	30	42	security	security	NOUN
easat-1490	30	43	attributes	attribute	NOUN
easat-1490	30	44	linked	link	VERB
easat-1490	30	45	to	to	ADP
easat-1490	30	46	e	e	NOUN
easat-1490	30	47	-	-	NOUN
easat-1490	30	48	wallets	wallet	NOUN
easat-1490	30	49	are	be	AUX
easat-1490	30	50	a	a	DET
easat-1490	30	51	significant	significant	ADJ
easat-1490	30	52	factor	factor	NOUN
easat-1490	30	53	in	in	ADP
easat-1490	30	54	their	their	PRON
easat-1490	30	55	increasing	increase	VERB
easat-1490	30	56	popularity	popularity	NOUN
easat-1490	30	57	.	.	PUNCT
easat-1490	31	1	mathai	mathai	PROPN
easat-1490	31	2	&	&	CCONJ
easat-1490	31	3	mathai	mathai	PROPN
easat-1490	31	4	(	(	PUNCT
easat-1490	31	5	2024	2024	NUM
easat-1490	31	6	)	)	PUNCT
easat-1490	31	7	observed	observe	VERB
easat-1490	31	8	that	that	SCONJ
easat-1490	31	9	the	the	DET
easat-1490	31	10	use	use	NOUN
easat-1490	31	11	of	of	ADP
easat-1490	31	12	a	a	DET
easat-1490	31	13	digital	digital	ADJ
easat-1490	31	14	wallet	wallet	NOUN
easat-1490	31	15	enables	enable	VERB
easat-1490	31	16	users	user	NOUN
easat-1490	31	17	to	to	PART
easat-1490	31	18	securely	securely	ADV
easat-1490	31	19	and	and	CCONJ
easat-1490	31	20	conveniently	conveniently	ADV
easat-1490	31	21	carry	carry	VERB
easat-1490	31	22	out	out	ADP
easat-1490	31	23	transactions	transaction	NOUN
easat-1490	31	24	.	.	PUNCT
easat-1490	32	1	these	these	DET
easat-1490	32	2	characteristics	characteristic	NOUN
easat-1490	32	3	offer	offer	VERB
easat-1490	32	4	consumers	consumer	NOUN
easat-1490	32	5	a	a	DET
easat-1490	32	6	feeling	feeling	NOUN
easat-1490	32	7	of	of	ADP
easat-1490	32	8	assurance	assurance	NOUN
easat-1490	32	9	and	and	CCONJ
easat-1490	32	10	confidence	confidence	NOUN
easat-1490	32	11	,	,	PUNCT
easat-1490	32	12	which	which	PRON
easat-1490	32	13	is	be	AUX
easat-1490	32	14	essential	essential	ADJ
easat-1490	32	15	for	for	ADP
easat-1490	32	16	the	the	DET
easat-1490	32	17	acceptance	acceptance	NOUN
easat-1490	32	18	of	of	ADP
easat-1490	32	19	any	any	DET
easat-1490	32	20	novel	novel	ADJ
easat-1490	32	21	financial	financial	ADJ
easat-1490	32	22	technology	technology	NOUN
easat-1490	32	23	.	.	PUNCT
easat-1490	33	1	aside	aside	ADV
easat-1490	33	2	from	from	ADP
easat-1490	33	3	ease	ease	NOUN
easat-1490	33	4	and	and	CCONJ
easat-1490	33	5	security	security	NOUN
easat-1490	33	6	,	,	PUNCT
easat-1490	33	7	the	the	DET
easat-1490	33	8	significance	significance	NOUN
easat-1490	33	9	of	of	ADP
easat-1490	33	10	social	social	ADJ
easat-1490	33	11	impact	impact	NOUN
easat-1490	33	12	must	must	AUX
easat-1490	33	13	not	not	PART
easat-1490	33	14	be	be	AUX
easat-1490	33	15	disregarded	disregard	VERB
easat-1490	33	16	.	.	PUNCT
easat-1490	34	1	graf	graf	NOUN
easat-1490	34	2	-	-	PUNCT
easat-1490	34	3	vlachy	vlachy	PROPN
easat-1490	34	4	et	et	PROPN
easat-1490	34	5	al	al	PROPN
easat-1490	34	6	.	.	PROPN
easat-1490	35	1	(	(	PUNCT
easat-1490	35	2	2018	2018	NUM
easat-1490	35	3	)	)	PUNCT
easat-1490	35	4	asserted	assert	VERB
easat-1490	35	5	that	that	SCONJ
easat-1490	35	6	in	in	ADP
easat-1490	35	7	general	general	ADJ
easat-1490	35	8	,	,	PUNCT
easat-1490	35	9	social	social	ADJ
easat-1490	35	10	influence	influence	NOUN
easat-1490	35	11	exerts	exert	VERB
easat-1490	35	12	a	a	DET
easat-1490	35	13	substantial	substantial	ADJ
easat-1490	35	14	impact	impact	NOUN
easat-1490	35	15	on	on	ADP
easat-1490	35	16	human	human	ADJ
easat-1490	35	17	behavior	behavior	NOUN
easat-1490	35	18	and	and	CCONJ
easat-1490	35	19	specifically	specifically	ADV
easat-1490	35	20	on	on	ADP
easat-1490	35	21	the	the	DET
easat-1490	35	22	adoption	adoption	NOUN
easat-1490	35	23	of	of	ADP
easat-1490	35	24	technology	technology	NOUN
easat-1490	35	25	.	.	PUNCT
easat-1490	36	1	younger	young	ADJ
easat-1490	36	2	customers	customer	NOUN
easat-1490	36	3	,	,	PUNCT
easat-1490	36	4	who	who	PRON
easat-1490	36	5	are	be	AUX
easat-1490	36	6	more	more	ADV
easat-1490	36	7	inclined	inclined	ADJ
easat-1490	36	8	to	to	PART
easat-1490	36	9	embrace	embrace	VERB
easat-1490	36	10	new	new	ADJ
easat-1490	36	11	technologies	technology	NOUN
easat-1490	36	12	at	at	ADP
easat-1490	36	13	an	an	DET
easat-1490	36	14	early	early	ADJ
easat-1490	36	15	stage	stage	NOUN
easat-1490	36	16	,	,	PUNCT
easat-1490	36	17	frequently	frequently	ADV
easat-1490	36	18	lead	lead	VERB
easat-1490	36	19	the	the	DET
easat-1490	36	20	earliest	early	ADJ
easat-1490	36	21	phases	phase	NOUN
easat-1490	36	22	of	of	ADP
easat-1490	36	23	adoption	adoption	NOUN
easat-1490	36	24	,	,	PUNCT
easat-1490	36	25	thereby	thereby	ADV
easat-1490	36	26	exerting	exert	VERB
easat-1490	36	27	an	an	DET
easat-1490	36	28	influence	influence	NOUN
easat-1490	36	29	on	on	ADP
easat-1490	36	30	wider	wide	ADJ
easat-1490	36	31	demographic	demographic	ADJ
easat-1490	36	32	segments	segment	NOUN
easat-1490	36	33	.	.	PUNCT
easat-1490	37	1	students	student	NOUN
easat-1490	37	2	and	and	CCONJ
easat-1490	37	3	other	other	ADJ
easat-1490	37	4	young	young	ADJ
easat-1490	37	5	individuals	individual	NOUN
easat-1490	37	6	in	in	ADP
easat-1490	37	7	the	the	DET
easat-1490	37	8	philippines	philippine	NOUN
easat-1490	37	9	have	have	AUX
easat-1490	37	10	had	have	VERB
easat-1490	37	11	a	a	DET
easat-1490	37	12	notable	notable	ADJ
easat-1490	37	13	impact	impact	NOUN
easat-1490	37	14	on	on	ADP
easat-1490	37	15	the	the	DET
easat-1490	37	16	financial	financial	ADJ
easat-1490	37	17	sector	sector	NOUN
easat-1490	37	18	,	,	PUNCT
easat-1490	37	19	namely	namely	ADV
easat-1490	37	20	through	through	ADP
easat-1490	37	21	the	the	DET
easat-1490	37	22	widespread	widespread	ADJ
easat-1490	37	23	adoption	adoption	NOUN
easat-1490	37	24	of	of	ADP
easat-1490	37	25	e	e	NOUN
easat-1490	37	26	-	-	NOUN
easat-1490	37	27	wallets	wallet	NOUN
easat-1490	37	28	and	and	CCONJ
easat-1490	37	29	digital	digital	ADJ
easat-1490	37	30	payment	payment	NOUN
easat-1490	37	31	methods	method	NOUN
easat-1490	37	32	.	.	PUNCT
easat-1490	38	1	in	in	ADP
easat-1490	38	2	urban	urban	ADJ
easat-1490	38	3	areas	area	NOUN
easat-1490	38	4	of	of	ADP
easat-1490	38	5	nueva	nueva	PROPN
easat-1490	38	6	ecija	ecija	PROPN
easat-1490	38	7	,	,	PUNCT
easat-1490	38	8	particularly	particularly	ADV
easat-1490	38	9	in	in	ADP
easat-1490	38	10	cabanatuan	cabanatuan	PROPN
easat-1490	38	11	city	city	NOUN
easat-1490	38	12	,	,	PUNCT
easat-1490	38	13	students	student	NOUN
easat-1490	38	14	enjoy	enjoy	VERB
easat-1490	38	15	enhanced	enhance	VERB
easat-1490	38	16	accessibility	accessibility	NOUN
easat-1490	38	17	to	to	ADP
easat-1490	38	18	these	these	DET
easat-1490	38	19	technologies	technology	NOUN
easat-1490	38	20	,	,	PUNCT
easat-1490	38	21	which	which	PRON
easat-1490	38	22	enables	enable	VERB
easat-1490	38	23	the	the	DET
easat-1490	38	24	convenient	convenient	ADJ
easat-1490	38	25	use	use	NOUN
easat-1490	38	26	of	of	ADP
easat-1490	38	27	e	e	NOUN
easat-1490	38	28	-	-	NOUN
easat-1490	38	29	wallets	wallet	NOUN
easat-1490	38	30	for	for	ADP
easat-1490	38	31	diverse	diverse	ADJ
easat-1490	38	32	transactions	transaction	NOUN
easat-1490	38	33	,	,	PUNCT
easat-1490	38	34	encompassing	encompass	VERB
easat-1490	38	35	the	the	DET
easat-1490	38	36	acquisition	acquisition	NOUN
easat-1490	38	37	of	of	ADP
easat-1490	38	38	school	school	NOUN
easat-1490	38	39	supplies	supply	NOUN
easat-1490	38	40	,	,	PUNCT
easat-1490	38	41	payment	payment	NOUN
easat-1490	38	42	of	of	ADP
easat-1490	38	43	tuition	tuition	NOUN
easat-1490	38	44	fees	fee	NOUN
easat-1490	38	45	,	,	PUNCT
easat-1490	38	46	and	and	CCONJ
easat-1490	38	47	covering	cover	VERB
easat-1490	38	48	daily	daily	ADJ
easat-1490	38	49	expenses	expense	NOUN
easat-1490	38	50	such	such	ADJ
easat-1490	38	51	as	as	ADP
easat-1490	38	52	food	food	NOUN
easat-1490	38	53	and	and	CCONJ
easat-1490	38	54	transportation	transportation	NOUN
easat-1490	38	55	.	.	PUNCT
easat-1490	39	1	the	the	DET
easat-1490	39	2	digital	digital	ADJ
easat-1490	39	3	payments	payment	NOUN
easat-1490	39	4	sector	sector	NOUN
easat-1490	39	5	in	in	ADP
easat-1490	39	6	the	the	DET
easat-1490	39	7	philippines	philippine	NOUN
easat-1490	39	8	has	have	AUX
easat-1490	39	9	experienced	experience	VERB
easat-1490	39	10	substantial	substantial	ADJ
easat-1490	39	11	transformations	transformation	NOUN
easat-1490	39	12	in	in	ADP
easat-1490	39	13	recent	recent	ADJ
easat-1490	39	14	years	year	NOUN
easat-1490	39	15	,	,	PUNCT
easat-1490	39	16	mostly	mostly	ADV
easat-1490	39	17	as	as	ADP
easat-1490	39	18	a	a	DET
easat-1490	39	19	result	result	NOUN
easat-1490	39	20	of	of	ADP
easat-1490	39	21	initiatives	initiative	NOUN
easat-1490	39	22	like	like	ADP
easat-1490	39	23	the	the	DET
easat-1490	39	24	national	national	ADJ
easat-1490	39	25	retail	retail	ADJ
easat-1490	39	26	payment	payment	NOUN
easat-1490	39	27	system	system	NOUN
easat-1490	39	28	(	(	PUNCT
easat-1490	39	29	nrps	nrps	PROPN
easat-1490	39	30	)	)	PUNCT
easat-1490	39	31	led	lead	VERB
easat-1490	39	32	by	by	ADP
easat-1490	39	33	the	the	DET
easat-1490	39	34	bangko	bangko	PROPN
easat-1490	39	35	sentral	sentral	PROPN
easat-1490	39	36	ng	ng	PROPN
easat-1490	39	37	pilipinas	pilipinas	PROPN
easat-1490	39	38	(	(	PUNCT
easat-1490	39	39	bsp	bsp	NOUN
easat-1490	39	40	)	)	PUNCT
easat-1490	39	41	since	since	SCONJ
easat-1490	39	42	2015	2015	NUM
easat-1490	39	43	.	.	PUNCT
easat-1490	40	1	these	these	DET
easat-1490	40	2	cooperative	cooperative	ADJ
easat-1490	40	3	efforts	effort	NOUN
easat-1490	40	4	have	have	AUX
easat-1490	40	5	played	play	VERB
easat-1490	40	6	a	a	DET
easat-1490	40	7	crucial	crucial	ADJ
easat-1490	40	8	role	role	NOUN
easat-1490	40	9	in	in	ADP
easat-1490	40	10	making	make	VERB
easat-1490	40	11	electronic	electronic	ADJ
easat-1490	40	12	payments	payment	NOUN
easat-1490	40	13	more	more	ADV
easat-1490	40	14	accessible	accessible	ADJ
easat-1490	40	15	and	and	CCONJ
easat-1490	40	16	widely	widely	ADV
easat-1490	40	17	used	use	VERB
easat-1490	40	18	throughout	throughout	ADP
easat-1490	40	19	the	the	DET
easat-1490	40	20	archipelago	archipelago	NOUN
easat-1490	40	21	,	,	PUNCT
easat-1490	40	22	thus	thus	ADV
easat-1490	40	23	democratizing	democratize	VERB
easat-1490	40	24	their	their	PRON
easat-1490	40	25	usage	usage	NOUN
easat-1490	40	26	.	.	PUNCT
easat-1490	41	1	the	the	DET
easat-1490	41	2	younger	young	ADJ
easat-1490	41	3	generation	generation	NOUN
easat-1490	41	4	has	have	AUX
easat-1490	41	5	adopted	adopt	VERB
easat-1490	41	6	this	this	DET
easat-1490	41	7	approach	approach	NOUN
easat-1490	41	8	in	in	ADP
easat-1490	41	9	their	their	PRON
easat-1490	41	10	consuming	consume	VERB
easat-1490	41	11	habits	habit	NOUN
easat-1490	41	12	,	,	PUNCT
easat-1490	41	13	primarily	primarily	ADV
easat-1490	41	14	because	because	SCONJ
easat-1490	41	15	of	of	ADP
easat-1490	41	16	their	their	PRON
easat-1490	41	17	expertise	expertise	NOUN
easat-1490	41	18	with	with	ADP
easat-1490	41	19	cellphones	cellphone	NOUN
easat-1490	41	20	and	and	CCONJ
easat-1490	41	21	enhanced	enhance	VERB
easat-1490	41	22	internet	internet	NOUN
easat-1490	41	23	connectivity	connectivity	NOUN
easat-1490	41	24	.	.	PUNCT
easat-1490	42	1	nevertheless	nevertheless	ADV
easat-1490	42	2	,	,	PUNCT
easat-1490	42	3	residents	resident	NOUN
easat-1490	42	4	of	of	ADP
easat-1490	42	5	nueva	nueva	PROPN
easat-1490	42	6	ecija	ecija	PROPN
easat-1490	42	7	have	have	VERB
easat-1490	42	8	similar	similar	ADJ
easat-1490	42	9	concerns	concern	NOUN
easat-1490	42	10	regarding	regard	VERB
easat-1490	42	11	security	security	NOUN
easat-1490	42	12	and	and	CCONJ
easat-1490	42	13	trust	trust	NOUN
easat-1490	42	14	,	,	PUNCT
easat-1490	42	15	just	just	ADV
easat-1490	42	16	as	as	ADP
easat-1490	42	17	the	the	DET
easat-1490	42	18	rest	rest	NOUN
easat-1490	42	19	of	of	ADP
easat-1490	42	20	the	the	DET
easat-1490	42	21	country	country	NOUN
easat-1490	42	22	.	.	PUNCT
easat-1490	43	1	many	many	ADJ
easat-1490	43	2	individuals	individual	NOUN
easat-1490	43	3	have	have	VERB
easat-1490	43	4	reservations	reservation	NOUN
easat-1490	43	5	about	about	ADP
easat-1490	43	6	utilizing	utilize	VERB
easat-1490	43	7	electronic	electronic	ADJ
easat-1490	43	8	wallets	wallet	NOUN
easat-1490	43	9	due	due	ADJ
easat-1490	43	10	to	to	ADP
easat-1490	43	11	concerns	concern	NOUN
easat-1490	43	12	around	around	ADP
easat-1490	43	13	potential	potential	ADJ
easat-1490	43	14	data	datum	NOUN
easat-1490	43	15	breaches	breach	NOUN
easat-1490	43	16	and	and	CCONJ
easat-1490	43	17	fraudulent	fraudulent	ADJ
easat-1490	43	18	activities	activity	NOUN
easat-1490	43	19	.	.	PUNCT
easat-1490	44	1	these	these	DET
easat-1490	44	2	results	result	NOUN
easat-1490	44	3	are	be	AUX
easat-1490	44	4	consistent	consistent	ADJ
easat-1490	44	5	with	with	ADP
easat-1490	44	6	the	the	DET
easat-1490	44	7	research	research	NOUN
easat-1490	44	8	conducted	conduct	VERB
easat-1490	44	9	by	by	ADP
easat-1490	44	10	dwivedi	dwivedi	PROPN
easat-1490	44	11	et	et	PROPN
easat-1490	44	12	al	al	PROPN
easat-1490	44	13	.	.	PROPN
easat-1490	45	1	(	(	PUNCT
easat-1490	45	2	2021	2021	NUM
easat-1490	45	3	)	)	PUNCT
easat-1490	45	4	,	,	PUNCT
easat-1490	45	5	which	which	PRON
easat-1490	45	6	showed	show	VERB
easat-1490	45	7	that	that	SCONJ
easat-1490	45	8	48	48	NUM
easat-1490	45	9	percent	percent	NOUN
easat-1490	45	10	of	of	ADP
easat-1490	45	11	participants	participant	NOUN
easat-1490	45	12	cited	cite	VERB
easat-1490	45	13	security	security	NOUN
easat-1490	45	14	,	,	PUNCT
easat-1490	45	15	privacy	privacy	NOUN
easat-1490	45	16	,	,	PUNCT
easat-1490	45	17	or	or	CCONJ
easat-1490	45	18	fraud	fraud	NOUN
easat-1490	45	19	concerns	concern	NOUN
easat-1490	45	20	as	as	ADP
easat-1490	45	21	the	the	DET
easat-1490	45	22	main	main	ADJ
easat-1490	45	23	barriers	barrier	NOUN
easat-1490	45	24	to	to	ADP
easat-1490	45	25	adopting	adopt	VERB
easat-1490	45	26	e	e	NOUN
easat-1490	45	27	-	-	NOUN
easat-1490	45	28	wallets	wallet	NOUN
easat-1490	45	29	.	.	PUNCT
easat-1490	46	1	younger	young	ADJ
easat-1490	46	2	generations	generation	NOUN
easat-1490	46	3	,	,	PUNCT
easat-1490	46	4	who	who	PRON
easat-1490	46	5	are	be	AUX
easat-1490	46	6	particularly	particularly	ADV
easat-1490	46	7	vulnerable	vulnerable	ADJ
easat-1490	46	8	to	to	ADP
easat-1490	46	9	security	security	NOUN
easat-1490	46	10	and	and	CCONJ
easat-1490	46	11	trust	trust	NOUN
easat-1490	46	12	issues	issue	NOUN
easat-1490	46	13	,	,	PUNCT
easat-1490	46	14	may	may	AUX
easat-1490	46	15	not	not	PART
easat-1490	46	16	be	be	AUX
easat-1490	46	17	fully	fully	ADV
easat-1490	46	18	aware	aware	ADJ
easat-1490	46	19	of	of	ADP
easat-1490	46	20	the	the	DET
easat-1490	46	21	security	security	NOUN
easat-1490	46	22	measures	measure	NOUN
easat-1490	46	23	implemented	implement	VERB
easat-1490	46	24	by	by	ADP
easat-1490	46	25	e	e	NOUN
easat-1490	46	26	-	-	NOUN
easat-1490	46	27	wallet	wallet	NOUN
easat-1490	46	28	providers	provider	NOUN
easat-1490	46	29	.	.	PUNCT
easat-1490	47	1	their	their	PRON
easat-1490	47	2	lack	lack	NOUN
easat-1490	47	3	of	of	ADP
easat-1490	47	4	awareness	awareness	NOUN
easat-1490	47	5	can	can	AUX
easat-1490	47	6	render	render	VERB
easat-1490	47	7	consumers	consumer	NOUN
easat-1490	47	8	vulnerable	vulnerable	ADJ
easat-1490	47	9	to	to	ADP
easat-1490	47	10	numerous	numerous	ADJ
easat-1490	47	11	e	e	ADJ
easat-1490	47	12	-	-	ADJ
easat-1490	47	13	payment	payment	NOUN
easat-1490	47	14	schemes	scheme	NOUN
easat-1490	47	15	and	and	CCONJ
easat-1490	47	16	scams	scam	NOUN
easat-1490	47	17	,	,	PUNCT
easat-1490	47	18	which	which	PRON
easat-1490	47	19	could	could	AUX
easat-1490	47	20	ultimately	ultimately	ADV
easat-1490	47	21	result	result	VERB
easat-1490	47	22	in	in	ADP
easat-1490	47	23	a	a	DET
easat-1490	47	24	decline	decline	NOUN
easat-1490	47	25	in	in	ADP
easat-1490	47	26	their	their	PRON
easat-1490	47	27	use	use	NOUN
easat-1490	47	28	of	of	ADP
easat-1490	47	29	ewallets	ewallet	NOUN
easat-1490	47	30	.	.	PUNCT
easat-1490	48	1	in	in	ADP
easat-1490	48	2	order	order	NOUN
easat-1490	48	3	to	to	PART
easat-1490	48	4	encourage	encourage	VERB
easat-1490	48	5	the	the	DET
easat-1490	48	6	extensive	extensive	ADJ
easat-1490	48	7	utilization	utilization	NOUN
easat-1490	48	8	of	of	ADP
easat-1490	48	9	e	e	NOUN
easat-1490	48	10	-	-	NOUN
easat-1490	48	11	wallets	wallet	NOUN
easat-1490	48	12	,	,	PUNCT
easat-1490	48	13	it	it	PRON
easat-1490	48	14	is	be	AUX
easat-1490	48	15	imperative	imperative	ADJ
easat-1490	48	16	for	for	ADP
easat-1490	48	17	businesses	business	NOUN
easat-1490	48	18	and	and	CCONJ
easat-1490	48	19	organizations	organization	NOUN
easat-1490	48	20	in	in	ADP
easat-1490	48	21	nueva	nueva	PROPN
easat-1490	48	22	ecija	ecija	NOUN
easat-1490	48	23	to	to	PART
easat-1490	48	24	tackle	tackle	VERB
easat-1490	48	25	present	present	ADJ
easat-1490	48	26	gaps	gap	NOUN
easat-1490	48	27	and	and	CCONJ
easat-1490	48	28	formulate	formulate	ADJ
easat-1490	48	29	plans	plan	NOUN
easat-1490	48	30	based	base	VERB
easat-1490	48	31	on	on	ADP
easat-1490	48	32	solid	solid	ADJ
easat-1490	48	33	evidence	evidence	NOUN
easat-1490	48	34	.	.	PUNCT
easat-1490	49	1	to	to	PART
easat-1490	49	2	promote	promote	VERB
easat-1490	49	3	a	a	DET
easat-1490	49	4	more	more	ADV
easat-1490	49	5	comprehensive	comprehensive	ADJ
easat-1490	49	6	and	and	CCONJ
easat-1490	49	7	strong	strong	ADJ
easat-1490	49	8	digital	digital	ADJ
easat-1490	49	9	payment	payment	NOUN
easat-1490	49	10	system	system	NOUN
easat-1490	49	11	,	,	PUNCT
easat-1490	49	12	it	it	PRON
easat-1490	49	13	is	be	AUX
easat-1490	49	14	important	important	ADJ
easat-1490	49	15	to	to	PART
easat-1490	49	16	address	address	VERB
easat-1490	49	17	consumer	consumer	NOUN
easat-1490	49	18	worries	worry	NOUN
easat-1490	49	19	over	over	ADP
easat-1490	49	20	privacy	privacy	NOUN
easat-1490	49	21	and	and	CCONJ
easat-1490	49	22	security	security	NOUN
easat-1490	49	23	,	,	PUNCT
easat-1490	49	24	while	while	SCONJ
easat-1490	49	25	also	also	ADV
easat-1490	49	26	improving	improve	VERB
easat-1490	49	27	the	the	DET
easat-1490	49	28	perceived	perceive	VERB
easat-1490	49	29	convenience	convenience	NOUN
easat-1490	49	30	and	and	CCONJ
easat-1490	49	31	advantages	advantage	NOUN
easat-1490	49	32	of	of	ADP
easat-1490	49	33	ewallets	ewallet	NOUN
easat-1490	49	34	.	.	PUNCT
easat-1490	50	1	in	in	ADP
easat-1490	50	2	order	order	NOUN
easat-1490	50	3	to	to	PART
easat-1490	50	4	address	address	VERB
easat-1490	50	5	these	these	DET
easat-1490	50	6	problems	problem	NOUN
easat-1490	50	7	,	,	PUNCT
easat-1490	50	8	it	it	PRON
easat-1490	50	9	is	be	AUX
easat-1490	50	10	crucial	crucial	ADJ
easat-1490	50	11	to	to	PART
easat-1490	50	12	employ	employ	VERB
easat-1490	50	13	a	a	DET
easat-1490	50	14	model	model	NOUN
easat-1490	50	15	that	that	PRON
easat-1490	50	16	evaluates	evaluate	VERB
easat-1490	50	17	the	the	DET
easat-1490	50	18	ongoing	ongoing	ADJ
easat-1490	50	19	adoption	adoption	NOUN
easat-1490	50	20	of	of	ADP
easat-1490	50	21	e	e	NOUN
easat-1490	50	22	-	-	NOUN
easat-1490	50	23	wallets	wallet	NOUN
easat-1490	50	24	.	.	PUNCT
easat-1490	51	1	therefore	therefore	ADV
easat-1490	51	2	,	,	PUNCT
easat-1490	51	3	the	the	DET
easat-1490	51	4	researchers	researcher	NOUN
easat-1490	51	5	identified	identify	VERB
easat-1490	51	6	the	the	DET
easat-1490	51	7	technology	technology	NOUN
easat-1490	51	8	acceptance	acceptance	NOUN
easat-1490	51	9	model	model	NOUN
easat-1490	51	10	(	(	PUNCT
easat-1490	51	11	tam	tam	PROPN
easat-1490	51	12	)	)	PUNCT
easat-1490	51	13	.	.	PUNCT
easat-1490	52	1	according	accord	VERB
easat-1490	52	2	to	to	ADP
easat-1490	52	3	technology	technology	NOUN
easat-1490	52	4	acceptance	acceptance	NOUN
easat-1490	52	5	model	model	NOUN
easat-1490	52	6	theoryhub	theoryhub	PROPN
easat-1490	52	7	academic	academic	ADJ
easat-1490	52	8	theories	theory	NOUN
easat-1490	52	9	reviews	review	VERB
easat-1490	52	10	for	for	ADP
easat-1490	52	11	research	research	NOUN
easat-1490	52	12	and	and	CCONJ
easat-1490	52	13	t&l	t&l	PROPN
easat-1490	52	14	(	(	PUNCT
easat-1490	52	15	n.d	n.d	PROPN
easat-1490	52	16	)	)	PUNCT
easat-1490	52	17	,	,	PUNCT
easat-1490	52	18	the	the	DET
easat-1490	52	19	technology	technology	NOUN
easat-1490	52	20	adoption	adoption	NOUN
easat-1490	52	21	model	model	NOUN
easat-1490	52	22	(	(	PUNCT
easat-1490	52	23	tam	tam	PROPN
easat-1490	52	24	)	)	PUNCT
easat-1490	52	25	proposes	propose	VERB
easat-1490	52	26	that	that	SCONJ
easat-1490	52	27	users	user	NOUN
easat-1490	52	28	'	'	PART
easat-1490	52	29	adoption	adoption	NOUN
easat-1490	52	30	of	of	ADP
easat-1490	52	31	technology	technology	NOUN
easat-1490	52	32	can	can	AUX
easat-1490	52	33	be	be	AUX
easat-1490	52	34	predicted	predict	VERB
easat-1490	52	35	by	by	ADP
easat-1490	52	36	their	their	PRON
easat-1490	52	37	behavioral	behavioral	ADJ
easat-1490	52	38	intention	intention	NOUN
easat-1490	52	39	,	,	PUNCT
easat-1490	52	40	which	which	PRON
easat-1490	52	41	is	be	AUX
easat-1490	52	42	influenced	influence	VERB
easat-1490	52	43	by	by	ADP
easat-1490	52	44	their	their	PRON
easat-1490	52	45	perception	perception	NOUN
easat-1490	52	46	of	of	ADP
easat-1490	52	47	the	the	DET
easat-1490	52	48	technology	technology	NOUN
easat-1490	52	49	's	's	PART
easat-1490	52	50	usefulness	usefulness	NOUN
easat-1490	52	51	in	in	ADP
easat-1490	52	52	performing	perform	VERB
easat-1490	52	53	a	a	DET
easat-1490	52	54	task	task	NOUN
easat-1490	52	55	and	and	CCONJ
easat-1490	52	56	its	its	PRON
easat-1490	52	57	ease	ease	NOUN
easat-1490	52	58	of	of	ADP
easat-1490	52	59	use	use	NOUN
easat-1490	52	60	.	.	PUNCT
easat-1490	53	1	in	in	ADP
easat-1490	53	2	the	the	DET
easat-1490	53	3	context	context	NOUN
easat-1490	53	4	of	of	ADP
easat-1490	53	5	security	security	NOUN
easat-1490	53	6	and	and	CCONJ
easat-1490	53	7	trust	trust	NOUN
easat-1490	53	8	issues	issue	NOUN
easat-1490	53	9	regarding	regard	VERB
easat-1490	53	10	e	e	NOUN
easat-1490	53	11	-	-	NOUN
easat-1490	53	12	wallet	wallet	NOUN
easat-1490	53	13	usage	usage	NOUN
easat-1490	53	14	,	,	PUNCT
easat-1490	53	15	nueva	nueva	NOUN
easat-1490	53	16	ecija	ecija	PROPN
easat-1490	53	17	can	can	AUX
easat-1490	53	18	enhance	enhance	VERB
easat-1490	53	19	adoption	adoption	NOUN
easat-1490	53	20	and	and	CCONJ
easat-1490	53	21	usage	usage	NOUN
easat-1490	53	22	among	among	ADP
easat-1490	53	23	its	its	PRON
easat-1490	53	24	residents	resident	NOUN
easat-1490	53	25	,	,	PUNCT
easat-1490	53	26	particularly	particularly	ADV
easat-1490	53	27	the	the	DET
easat-1490	53	28	younger	young	ADJ
easat-1490	53	29	generation	generation	NOUN
easat-1490	53	30	,	,	PUNCT
easat-1490	53	31	by	by	ADP
easat-1490	53	32	applying	apply	VERB
easat-1490	53	33	the	the	DET
easat-1490	53	34	tam	tam	NOUN
easat-1490	53	35	model	model	NOUN
easat-1490	53	36	.	.	PUNCT
easat-1490	54	1	consequently	consequently	ADV
easat-1490	54	2	,	,	PUNCT
easat-1490	54	3	tam	tam	PROPN
easat-1490	54	4	can	can	AUX
easat-1490	54	5	provide	provide	VERB
easat-1490	54	6	both	both	CCONJ
easat-1490	54	7	immediate	immediate	ADJ
easat-1490	54	8	and	and	CCONJ
easat-1490	54	9	long	long	ADJ
easat-1490	54	10	-	-	PUNCT
easat-1490	54	11	term	term	NOUN
easat-1490	54	12	benefits	benefit	NOUN
easat-1490	54	13	for	for	ADP
easat-1490	54	14	various	various	ADJ
easat-1490	54	15	business	business	NOUN
easat-1490	54	16	establishments	establishment	NOUN
easat-1490	54	17	and	and	CCONJ
easat-1490	54	18	individuals	individual	NOUN
easat-1490	54	19	,	,	PUNCT
easat-1490	54	20	especially	especially	ADV
easat-1490	54	21	the	the	DET
easat-1490	54	22	younger	young	ADJ
easat-1490	54	23	generations	generation	NOUN
easat-1490	54	24	.	.	PUNCT
easat-1490	55	1	the	the	DET
easat-1490	55	2	advantages	advantage	NOUN
easat-1490	55	3	encompass	encompass	VERB
easat-1490	55	4	enhanced	enhanced	ADJ
easat-1490	55	5	productivity	productivity	NOUN
easat-1490	55	6	,	,	PUNCT
easat-1490	55	7	heightened	heighten	VERB
easat-1490	55	8	financial	financial	ADJ
easat-1490	55	9	and	and	CCONJ
easat-1490	55	10	temporal	temporal	ADJ
easat-1490	55	11	effectiveness	effectiveness	NOUN
easat-1490	55	12	,	,	PUNCT
easat-1490	55	13	and	and	CCONJ
easat-1490	55	14	enhanced	enhanced	ADJ
easat-1490	55	15	convenience	convenience	NOUN
easat-1490	55	16	.	.	PUNCT
easat-1490	56	1	with	with	ADP
easat-1490	56	2	the	the	DET
easat-1490	56	3	above	above	ADJ
easat-1490	56	4	context	context	NOUN
easat-1490	56	5	,	,	PUNCT
easat-1490	56	6	this	this	DET
easat-1490	56	7	study	study	NOUN
easat-1490	56	8	aims	aim	VERB
easat-1490	56	9	to	to	PART
easat-1490	56	10	assess	assess	VERB
easat-1490	56	11	the	the	DET
easat-1490	56	12	use	use	NOUN
easat-1490	56	13	of	of	ADP
easat-1490	56	14	e	e	NOUN
easat-1490	56	15	-	-	NOUN
easat-1490	56	16	wallet	wallet	NOUN
easat-1490	56	17	as	as	ADP
easat-1490	56	18	payment	payment	NOUN
easat-1490	56	19	method	method	NOUN
easat-1490	56	20	among	among	ADP
easat-1490	56	21	young	young	ADJ
easat-1490	56	22	generations	generation	NOUN
easat-1490	56	23	through	through	ADP
easat-1490	56	24	student	student	NOUN
easat-1490	56	25	consumers	consumer	NOUN
easat-1490	56	26	,	,	PUNCT
easat-1490	56	27	highlighting	highlight	VERB
easat-1490	56	28	the	the	DET
easat-1490	56	29	use	use	NOUN
easat-1490	56	30	of	of	ADP
easat-1490	56	31	technology	technology	NOUN
easat-1490	56	32	acceptance	acceptance	NOUN
easat-1490	56	33	model	model	NOUN
easat-1490	56	34	.	.	PUNCT
easat-1490	57	1	specifically	specifically	ADV
easat-1490	57	2	,	,	PUNCT
easat-1490	57	3	the	the	DET
easat-1490	57	4	main	main	ADJ
easat-1490	57	5	objectives	objective	NOUN
easat-1490	57	6	of	of	ADP
easat-1490	57	7	this	this	DET
easat-1490	57	8	study	study	NOUN
easat-1490	57	9	are	be	AUX
easat-1490	57	10	to	to	PART
easat-1490	57	11	determine	determine	VERB
easat-1490	57	12	the	the	DET
easat-1490	57	13	following	following	NOUN
easat-1490	57	14	:	:	PUNCT
easat-1490	58	1	1	1	X
easat-1490	58	2	.	.	X
easat-1490	58	3	how	how	SCONJ
easat-1490	58	4	may	may	AUX
easat-1490	58	5	the	the	DET
easat-1490	58	6	demographic	demographic	ADJ
easat-1490	58	7	profile	profile	NOUN
easat-1490	58	8	of	of	ADP
easat-1490	58	9	the	the	DET
easat-1490	58	10	younger	young	ADJ
easat-1490	58	11	generation	generation	NOUN
easat-1490	58	12	be	be	AUX
easat-1490	58	13	described	describe	VERB
easat-1490	58	14	?	?	PUNCT
easat-1490	59	1	2	2	X
easat-1490	59	2	.	.	X
easat-1490	59	3	how	how	SCONJ
easat-1490	59	4	may	may	AUX
easat-1490	59	5	the	the	DET
easat-1490	59	6	attitude	attitude	NOUN
easat-1490	59	7	of	of	ADP
easat-1490	59	8	the	the	DET
easat-1490	59	9	respondents	respondent	NOUN
easat-1490	59	10	be	be	AUX
easat-1490	59	11	assessed	assess	VERB
easat-1490	59	12	in	in	ADP
easat-1490	59	13	using	use	VERB
easat-1490	59	14	the	the	DET
easat-1490	59	15	e	e	NOUN
easat-1490	59	16	-	-	NOUN
easat-1490	59	17	wallet	wallet	NOUN
easat-1490	59	18	as	as	ADP
easat-1490	59	19	a	a	DET
easat-1490	59	20	payment	payment	NOUN
easat-1490	59	21	method	method	NOUN
easat-1490	59	22	in	in	ADP
easat-1490	59	23	terms	term	NOUN
easat-1490	59	24	of	of	ADP
easat-1490	59	25	the	the	DET
easat-1490	59	26	technology	technology	NOUN
easat-1490	59	27	acceptance	acceptance	NOUN
easat-1490	59	28	model	model	NOUN
easat-1490	59	29	?	?	PUNCT
easat-1490	60	1	1159	1159	NUM
easat-1490	60	2	edelweiss	edelweiss	PROPN
easat-1490	60	3	applied	apply	VERB
easat-1490	60	4	science	science	NOUN
easat-1490	60	5	and	and	CCONJ
easat-1490	60	6	technology	technology	NOUN
easat-1490	60	7	issn	issn	PROPN
easat-1490	60	8	:	:	PUNCT
easat-1490	60	9	2576	2576	NUM
easat-1490	60	10	-	-	SYM
easat-1490	60	11	8484	8484	NUM
easat-1490	60	12	vol	vol	NOUN
easat-1490	60	13	.	.	PROPN
easat-1490	60	14	8	8	NUM
easat-1490	60	15	,	,	PUNCT
easat-1490	60	16	no	no	INTJ
easat-1490	60	17	.	.	NOUN
easat-1490	60	18	4	4	NUM
easat-1490	60	19	:	:	SYM
easat-1490	60	20	1157	1157	NUM
easat-1490	60	21	-	-	SYM
easat-1490	60	22	1173	1173	NUM
easat-1490	60	23	,	,	PUNCT
easat-1490	60	24	2024	2024	NUM
easat-1490	60	25	doi	doi	NOUN
easat-1490	60	26	:	:	PUNCT
easat-1490	60	27	10.55214/25768484.v8i4.1490	10.55214/25768484.v8i4.1490	NUM
easat-1490	60	28	©	©	PROPN
easat-1490	60	29	2024	2024	NUM
easat-1490	60	30	by	by	ADP
easat-1490	60	31	the	the	DET
easat-1490	60	32	authors	author	NOUN
easat-1490	60	33	;	;	PUNCT
easat-1490	60	34	licensee	licensee	PROPN
easat-1490	60	35	learning	learning	NOUN
easat-1490	60	36	gate	gate	NOUN
easat-1490	60	37	3	3	X
easat-1490	60	38	.	.	PUNCT
easat-1490	60	39	is	be	AUX
easat-1490	60	40	there	there	PRON
easat-1490	60	41	any	any	DET
easat-1490	60	42	significant	significant	ADJ
easat-1490	60	43	relationship	relationship	NOUN
easat-1490	60	44	between	between	ADP
easat-1490	60	45	the	the	DET
easat-1490	60	46	selected	select	VERB
easat-1490	60	47	demographic	demographic	ADJ
easat-1490	60	48	profile	profile	NOUN
easat-1490	60	49	of	of	ADP
easat-1490	60	50	the	the	DET
easat-1490	60	51	respondents	respondent	NOUN
easat-1490	60	52	and	and	CCONJ
easat-1490	60	53	their	their	PRON
easat-1490	60	54	assessment	assessment	NOUN
easat-1490	60	55	in	in	ADP
easat-1490	60	56	the	the	DET
easat-1490	60	57	use	use	NOUN
easat-1490	60	58	of	of	ADP
easat-1490	60	59	the	the	DET
easat-1490	60	60	e	e	NOUN
easat-1490	60	61	-	-	NOUN
easat-1490	60	62	wallet	wallet	NOUN
easat-1490	60	63	as	as	ADP
easat-1490	60	64	a	a	DET
easat-1490	60	65	payment	payment	NOUN
easat-1490	60	66	method	method	NOUN
easat-1490	60	67	in	in	ADP
easat-1490	60	68	terms	term	NOUN
easat-1490	60	69	of	of	ADP
easat-1490	60	70	the	the	DET
easat-1490	60	71	technology	technology	NOUN
easat-1490	60	72	acceptance	acceptance	NOUN
easat-1490	60	73	model	model	NOUN
easat-1490	60	74	?	?	PUNCT
easat-1490	61	1	1.1	1.1	NUM
easat-1490	61	2	.	.	PUNCT
easat-1490	62	1	review	review	NOUN
easat-1490	62	2	of	of	ADP
easat-1490	62	3	related	related	ADJ
easat-1490	62	4	literature	literature	NOUN
easat-1490	62	5	the	the	DET
easat-1490	62	6	use	use	NOUN
easat-1490	62	7	of	of	ADP
easat-1490	62	8	e	e	NOUN
easat-1490	62	9	-	-	NOUN
easat-1490	62	10	wallet	wallet	NOUN
easat-1490	62	11	as	as	ADP
easat-1490	62	12	a	a	DET
easat-1490	62	13	payment	payment	NOUN
easat-1490	62	14	method	method	NOUN
easat-1490	62	15	.	.	PUNCT
easat-1490	63	1	electronic	electronic	ADJ
easat-1490	63	2	wallets	wallet	NOUN
easat-1490	63	3	,	,	PUNCT
easat-1490	63	4	a	a	DET
easat-1490	63	5	fintech	fintech	NOUN
easat-1490	63	6	invention	invention	NOUN
easat-1490	63	7	,	,	PUNCT
easat-1490	63	8	revolutionize	revolutionize	VERB
easat-1490	63	9	financial	financial	ADJ
easat-1490	63	10	transactions	transaction	NOUN
easat-1490	63	11	by	by	ADP
easat-1490	63	12	facilitating	facilitate	VERB
easat-1490	63	13	electronic	electronic	ADJ
easat-1490	63	14	exchanges	exchange	NOUN
easat-1490	63	15	and	and	CCONJ
easat-1490	63	16	obviating	obviate	VERB
easat-1490	63	17	the	the	DET
easat-1490	63	18	need	need	NOUN
easat-1490	63	19	for	for	ADP
easat-1490	63	20	physical	physical	ADJ
easat-1490	63	21	currency	currency	NOUN
easat-1490	63	22	(	(	PUNCT
easat-1490	63	23	hashim	hashim	PROPN
easat-1490	63	24	,	,	PUNCT
easat-1490	63	25	chan	chan	PROPN
easat-1490	63	26	and	and	CCONJ
easat-1490	63	27	li	li	PROPN
easat-1490	63	28	,	,	PUNCT
easat-1490	63	29	2023	2023	NUM
easat-1490	63	30	)	)	PUNCT
easat-1490	63	31	.	.	PUNCT
easat-1490	64	1	these	these	DET
easat-1490	64	2	digital	digital	ADJ
easat-1490	64	3	platforms	platform	NOUN
easat-1490	64	4	streamline	streamline	VERB
easat-1490	64	5	online	online	ADJ
easat-1490	64	6	transactions	transaction	NOUN
easat-1490	64	7	,	,	PUNCT
easat-1490	64	8	offering	offer	VERB
easat-1490	64	9	users	user	NOUN
easat-1490	64	10	unparalleled	unparalleled	ADJ
easat-1490	64	11	convenience	convenience	NOUN
easat-1490	64	12	without	without	ADP
easat-1490	64	13	the	the	DET
easat-1490	64	14	necessity	necessity	NOUN
easat-1490	64	15	of	of	ADP
easat-1490	64	16	visiting	visit	VERB
easat-1490	64	17	physical	physical	ADJ
easat-1490	64	18	stores	store	NOUN
easat-1490	64	19	in	in	ADP
easat-1490	64	20	person	person	NOUN
easat-1490	64	21	(	(	PUNCT
easat-1490	64	22	halimah	halimah	NOUN
easat-1490	64	23	and	and	CCONJ
easat-1490	64	24	riza	riza	NOUN
easat-1490	64	25	,	,	PUNCT
easat-1490	64	26	2022	2022	NUM
easat-1490	64	27	)	)	PUNCT
easat-1490	64	28	.	.	PUNCT
easat-1490	65	1	the	the	DET
easat-1490	65	2	daily	daily	ADJ
easat-1490	65	3	transactions	transaction	NOUN
easat-1490	65	4	of	of	ADP
easat-1490	65	5	purchasing	purchasing	NOUN
easat-1490	65	6	supplies	supply	NOUN
easat-1490	65	7	or	or	CCONJ
easat-1490	65	8	paying	pay	VERB
easat-1490	65	9	for	for	ADP
easat-1490	65	10	public	public	ADJ
easat-1490	65	11	transportation	transportation	NOUN
easat-1490	65	12	are	be	AUX
easat-1490	65	13	becoming	becoming	AUX
easat-1490	65	14	increasingly	increasingly	ADV
easat-1490	65	15	simplified	simplify	VERB
easat-1490	65	16	by	by	ADP
easat-1490	65	17	mobile	mobile	ADJ
easat-1490	65	18	payment	payment	NOUN
easat-1490	65	19	systems	system	NOUN
easat-1490	65	20	(	(	PUNCT
easat-1490	65	21	halimah	halimah	NOUN
easat-1490	65	22	and	and	CCONJ
easat-1490	65	23	riza	riza	NOUN
easat-1490	65	24	,	,	PUNCT
easat-1490	65	25	2022	2022	NUM
easat-1490	65	26	)	)	PUNCT
easat-1490	65	27	.	.	PUNCT
easat-1490	66	1	e	e	X
easat-1490	66	2	-	-	NOUN
easat-1490	66	3	wallets	wallet	NOUN
easat-1490	66	4	significantly	significantly	ADV
easat-1490	66	5	influence	influence	VERB
easat-1490	66	6	consumer	consumer	NOUN
easat-1490	66	7	behavior	behavior	NOUN
easat-1490	66	8	by	by	ADP
easat-1490	66	9	facilitating	facilitate	VERB
easat-1490	66	10	seamless	seamless	ADJ
easat-1490	66	11	online	online	ADJ
easat-1490	66	12	transactions	transaction	NOUN
easat-1490	66	13	and	and	CCONJ
easat-1490	66	14	streamlining	streamline	VERB
easat-1490	66	15	ride	ride	NOUN
easat-1490	66	16	payments	payment	NOUN
easat-1490	66	17	,	,	PUNCT
easat-1490	66	18	thereby	thereby	ADV
easat-1490	66	19	fulfilling	fulfil	VERB
easat-1490	66	20	a	a	DET
easat-1490	66	21	variety	variety	NOUN
easat-1490	66	22	of	of	ADP
easat-1490	66	23	everyday	everyday	ADJ
easat-1490	66	24	requirements	requirement	NOUN
easat-1490	66	25	.	.	PUNCT
easat-1490	67	1	this	this	DET
easat-1490	67	2	change	change	NOUN
easat-1490	67	3	represents	represent	VERB
easat-1490	67	4	the	the	DET
easat-1490	67	5	growing	grow	VERB
easat-1490	67	6	trend	trend	NOUN
easat-1490	67	7	toward	toward	ADP
easat-1490	67	8	a	a	DET
easat-1490	67	9	consumer	consumer	NOUN
easat-1490	67	10	experience	experience	NOUN
easat-1490	67	11	that	that	PRON
easat-1490	67	12	is	be	AUX
easat-1490	67	13	centered	center	VERB
easat-1490	67	14	on	on	ADP
easat-1490	67	15	digital	digital	ADJ
easat-1490	67	16	interactions	interaction	NOUN
easat-1490	67	17	.	.	PUNCT
easat-1490	68	1	the	the	DET
easat-1490	68	2	influence	influence	NOUN
easat-1490	68	3	of	of	ADP
easat-1490	68	4	e	e	NOUN
easat-1490	68	5	-	-	NOUN
easat-1490	68	6	wallets	wallet	NOUN
easat-1490	68	7	on	on	ADP
easat-1490	68	8	consumer	consumer	NOUN
easat-1490	68	9	behavior	behavior	NOUN
easat-1490	68	10	is	be	AUX
easat-1490	68	11	substantial	substantial	ADJ
easat-1490	68	12	.	.	PUNCT
easat-1490	69	1	e	e	X
easat-1490	69	2	-	-	NOUN
easat-1490	69	3	wallets	wallet	NOUN
easat-1490	69	4	function	function	NOUN
easat-1490	69	5	as	as	ADP
easat-1490	69	6	digital	digital	ADJ
easat-1490	69	7	currencies	currency	NOUN
easat-1490	69	8	that	that	PRON
easat-1490	69	9	enable	enable	VERB
easat-1490	69	10	convenient	convenient	ADJ
easat-1490	69	11	purchasing	purchasing	NOUN
easat-1490	69	12	without	without	ADP
easat-1490	69	13	the	the	DET
easat-1490	69	14	necessity	necessity	NOUN
easat-1490	69	15	of	of	ADP
easat-1490	69	16	carrying	carry	VERB
easat-1490	69	17	physical	physical	ADJ
easat-1490	69	18	cash	cash	NOUN
easat-1490	69	19	,	,	PUNCT
easat-1490	69	20	providing	provide	VERB
easat-1490	69	21	a	a	DET
easat-1490	69	22	cashless	cashless	NOUN
easat-1490	69	23	payment	payment	NOUN
easat-1490	69	24	option	option	NOUN
easat-1490	69	25	for	for	ADP
easat-1490	69	26	various	various	ADJ
easat-1490	69	27	transactions	transaction	NOUN
easat-1490	69	28	while	while	SCONJ
easat-1490	69	29	multitasking	multitaske	VERB
easat-1490	69	30	,	,	PUNCT
easat-1490	69	31	as	as	ADP
easat-1490	69	32	per	per	ADP
easat-1490	69	33	lestari	lestari	NOUN
easat-1490	69	34	,	,	PUNCT
easat-1490	69	35	soleh	soleh	NOUN
easat-1490	69	36	,	,	PUNCT
easat-1490	69	37	and	and	CCONJ
easat-1490	69	38	nasution	nasution	NOUN
easat-1490	69	39	(	(	PUNCT
easat-1490	69	40	2023	2023	NUM
easat-1490	69	41	)	)	PUNCT
easat-1490	69	42	.	.	PUNCT
easat-1490	70	1	rajan	rajan	PROPN
easat-1490	70	2	(	(	PUNCT
easat-1490	70	3	2012	2012	NUM
easat-1490	70	4	)	)	PUNCT
easat-1490	70	5	also	also	ADV
easat-1490	70	6	observed	observe	VERB
easat-1490	70	7	that	that	SCONJ
easat-1490	70	8	digital	digital	ADJ
easat-1490	70	9	wallets	wallet	NOUN
easat-1490	70	10	facilitate	facilitate	VERB
easat-1490	70	11	transactions	transaction	NOUN
easat-1490	70	12	at	at	ADP
easat-1490	70	13	any	any	DET
easat-1490	70	14	time	time	NOUN
easat-1490	70	15	and	and	CCONJ
easat-1490	70	16	location	location	NOUN
easat-1490	70	17	,	,	PUNCT
easat-1490	70	18	which	which	PRON
easat-1490	70	19	in	in	ADP
easat-1490	70	20	turn	turn	NOUN
easat-1490	70	21	affects	affect	VERB
easat-1490	70	22	consumer	consumer	NOUN
easat-1490	70	23	behavior	behavior	NOUN
easat-1490	70	24	in	in	ADP
easat-1490	70	25	the	the	DET
easat-1490	70	26	context	context	NOUN
easat-1490	70	27	of	of	ADP
easat-1490	70	28	product	product	NOUN
easat-1490	70	29	or	or	CCONJ
easat-1490	70	30	service	service	NOUN
easat-1490	70	31	consumption	consumption	NOUN
easat-1490	70	32	.	.	PUNCT
easat-1490	71	1	this	this	DET
easat-1490	71	2	convenience	convenience	NOUN
easat-1490	71	3	is	be	AUX
easat-1490	71	4	echoed	echo	VERB
easat-1490	71	5	in	in	ADP
easat-1490	71	6	their	their	PRON
easat-1490	71	7	findings	finding	NOUN
easat-1490	71	8	.	.	PUNCT
easat-1490	72	1	digital	digital	ADJ
easat-1490	72	2	wallets	wallet	NOUN
easat-1490	72	3	serve	serve	VERB
easat-1490	72	4	as	as	ADP
easat-1490	72	5	efficient	efficient	ADJ
easat-1490	72	6	non	non	ADJ
easat-1490	72	7	-	-	ADJ
easat-1490	72	8	cash	cash	ADJ
easat-1490	72	9	payment	payment	NOUN
easat-1490	72	10	solutions	solution	NOUN
easat-1490	72	11	by	by	ADP
easat-1490	72	12	employing	employ	VERB
easat-1490	72	13	applicationor	applicationor	NOUN
easat-1490	72	14	card	card	NOUN
easat-1490	72	15	-	-	PUNCT
easat-1490	72	16	based	base	VERB
easat-1490	72	17	systems	system	NOUN
easat-1490	72	18	,	,	PUNCT
easat-1490	72	19	which	which	PRON
easat-1490	72	20	facilitate	facilitate	VERB
easat-1490	72	21	transactions	transaction	NOUN
easat-1490	72	22	and	and	CCONJ
easat-1490	72	23	improve	improve	VERB
easat-1490	72	24	user	user	NOUN
easat-1490	72	25	convenience	convenience	NOUN
easat-1490	72	26	(	(	PUNCT
easat-1490	72	27	rajan	rajan	NOUN
easat-1490	72	28	,	,	PUNCT
easat-1490	72	29	2012	2012	NUM
easat-1490	72	30	)	)	PUNCT
easat-1490	72	31	.	.	PUNCT
easat-1490	73	1	the	the	DET
easat-1490	73	2	influence	influence	NOUN
easat-1490	73	3	of	of	ADP
easat-1490	73	4	e	e	NOUN
easat-1490	73	5	-	-	NOUN
easat-1490	73	6	wallets	wallet	NOUN
easat-1490	73	7	on	on	ADP
easat-1490	73	8	consumer	consumer	NOUN
easat-1490	73	9	behavior	behavior	NOUN
easat-1490	73	10	is	be	AUX
easat-1490	73	11	substantial	substantial	ADJ
easat-1490	73	12	.	.	PUNCT
easat-1490	74	1	e	e	X
easat-1490	74	2	-	-	NOUN
easat-1490	74	3	wallets	wallet	NOUN
easat-1490	74	4	function	function	NOUN
easat-1490	74	5	as	as	ADP
easat-1490	74	6	digital	digital	ADJ
easat-1490	74	7	currencies	currency	NOUN
easat-1490	74	8	that	that	PRON
easat-1490	74	9	enable	enable	VERB
easat-1490	74	10	convenient	convenient	ADJ
easat-1490	74	11	purchasing	purchasing	NOUN
easat-1490	74	12	without	without	ADP
easat-1490	74	13	the	the	DET
easat-1490	74	14	necessity	necessity	NOUN
easat-1490	74	15	of	of	ADP
easat-1490	74	16	carrying	carry	VERB
easat-1490	74	17	physical	physical	ADJ
easat-1490	74	18	cash	cash	NOUN
easat-1490	74	19	,	,	PUNCT
easat-1490	74	20	providing	provide	VERB
easat-1490	74	21	a	a	DET
easat-1490	74	22	cashless	cashless	NOUN
easat-1490	74	23	payment	payment	NOUN
easat-1490	74	24	option	option	NOUN
easat-1490	74	25	for	for	ADP
easat-1490	74	26	various	various	ADJ
easat-1490	74	27	transactions	transaction	NOUN
easat-1490	74	28	while	while	SCONJ
easat-1490	74	29	multitasking	multitaske	VERB
easat-1490	74	30	,	,	PUNCT
easat-1490	74	31	as	as	ADP
easat-1490	74	32	per	per	ADP
easat-1490	74	33	lestari	lestari	NOUN
easat-1490	74	34	,	,	PUNCT
easat-1490	74	35	soleh	soleh	NOUN
easat-1490	74	36	,	,	PUNCT
easat-1490	74	37	and	and	CCONJ
easat-1490	74	38	nasution	nasution	NOUN
easat-1490	74	39	(	(	PUNCT
easat-1490	74	40	2023	2023	NUM
easat-1490	74	41	)	)	PUNCT
easat-1490	74	42	.	.	PUNCT
easat-1490	75	1	rajan	rajan	PROPN
easat-1490	75	2	(	(	PUNCT
easat-1490	75	3	2012	2012	NUM
easat-1490	75	4	)	)	PUNCT
easat-1490	75	5	also	also	ADV
easat-1490	75	6	observed	observe	VERB
easat-1490	75	7	that	that	SCONJ
easat-1490	75	8	digital	digital	ADJ
easat-1490	75	9	wallets	wallet	NOUN
easat-1490	75	10	facilitate	facilitate	VERB
easat-1490	75	11	transactions	transaction	NOUN
easat-1490	75	12	at	at	ADP
easat-1490	75	13	any	any	DET
easat-1490	75	14	time	time	NOUN
easat-1490	75	15	and	and	CCONJ
easat-1490	75	16	location	location	NOUN
easat-1490	75	17	,	,	PUNCT
easat-1490	75	18	which	which	PRON
easat-1490	75	19	in	in	ADP
easat-1490	75	20	turn	turn	NOUN
easat-1490	75	21	marks	mark	VERB
easat-1490	75	22	consumer	consumer	NOUN
easat-1490	75	23	behavior	behavior	NOUN
easat-1490	75	24	in	in	ADP
easat-1490	75	25	the	the	DET
easat-1490	75	26	context	context	NOUN
easat-1490	75	27	of	of	ADP
easat-1490	75	28	product	product	NOUN
easat-1490	75	29	or	or	CCONJ
easat-1490	75	30	service	service	NOUN
easat-1490	75	31	consumption	consumption	NOUN
easat-1490	75	32	.	.	PUNCT
easat-1490	76	1	this	this	DET
easat-1490	76	2	convenience	convenience	NOUN
easat-1490	76	3	is	be	AUX
easat-1490	76	4	echoed	echo	VERB
easat-1490	76	5	in	in	ADP
easat-1490	76	6	their	their	PRON
easat-1490	76	7	findings	finding	NOUN
easat-1490	76	8	.	.	PUNCT
easat-1490	77	1	digital	digital	ADJ
easat-1490	77	2	wallets	wallet	NOUN
easat-1490	77	3	serve	serve	VERB
easat-1490	77	4	as	as	ADP
easat-1490	77	5	efficient	efficient	ADJ
easat-1490	77	6	non	non	ADJ
easat-1490	77	7	-	-	ADJ
easat-1490	77	8	cash	cash	ADJ
easat-1490	77	9	payment	payment	NOUN
easat-1490	77	10	solutions	solution	NOUN
easat-1490	77	11	by	by	ADP
easat-1490	77	12	employing	employ	VERB
easat-1490	77	13	applicationor	applicationor	NOUN
easat-1490	77	14	card	card	NOUN
easat-1490	77	15	-	-	PUNCT
easat-1490	77	16	based	base	VERB
easat-1490	77	17	systems	system	NOUN
easat-1490	77	18	,	,	PUNCT
easat-1490	77	19	which	which	PRON
easat-1490	77	20	facilitate	facilitate	VERB
easat-1490	77	21	transactions	transaction	NOUN
easat-1490	77	22	and	and	CCONJ
easat-1490	77	23	improve	improve	VERB
easat-1490	77	24	user	user	NOUN
easat-1490	77	25	convenience	convenience	NOUN
easat-1490	77	26	(	(	PUNCT
easat-1490	77	27	rajan	rajan	NOUN
easat-1490	77	28	,	,	PUNCT
easat-1490	77	29	2012	2012	NUM
easat-1490	77	30	)	)	PUNCT
easat-1490	77	31	.	.	PUNCT
easat-1490	78	1	a	a	DET
easat-1490	78	2	number	number	NOUN
easat-1490	78	3	of	of	ADP
easat-1490	78	4	critical	critical	ADJ
easat-1490	78	5	factors	factor	NOUN
easat-1490	78	6	have	have	AUX
easat-1490	78	7	contributed	contribute	VERB
easat-1490	78	8	to	to	ADP
easat-1490	78	9	the	the	DET
easat-1490	78	10	pervasive	pervasive	ADJ
easat-1490	78	11	adoption	adoption	NOUN
easat-1490	78	12	of	of	ADP
easat-1490	78	13	e	e	NOUN
easat-1490	78	14	-	-	NOUN
easat-1490	78	15	wallets	wallet	NOUN
easat-1490	78	16	.	.	PUNCT
easat-1490	79	1	ma'ruf	ma'ruf	PROPN
easat-1490	79	2	et	et	PROPN
easat-1490	79	3	al	al	PROPN
easat-1490	79	4	.	.	PROPN
easat-1490	79	5	(	(	PUNCT
easat-1490	79	6	2022	2022	NUM
easat-1490	79	7	)	)	PUNCT
easat-1490	79	8	underscores	underscore	VERB
easat-1490	79	9	the	the	DET
easat-1490	79	10	importance	importance	NOUN
easat-1490	79	11	of	of	ADP
easat-1490	79	12	the	the	DET
easat-1490	79	13	one	one	NUM
easat-1490	79	14	-	-	PUNCT
easat-1490	79	15	click	click	VERB
easat-1490	79	16	payment	payment	NOUN
easat-1490	79	17	feature	feature	NOUN
easat-1490	79	18	,	,	PUNCT
easat-1490	79	19	which	which	PRON
easat-1490	79	20	considerably	considerably	ADV
easat-1490	79	21	enhances	enhance	VERB
easat-1490	79	22	user	user	NOUN
easat-1490	79	23	convenience	convenience	NOUN
easat-1490	79	24	and	and	CCONJ
easat-1490	79	25	encourages	encourage	VERB
easat-1490	79	26	a	a	DET
easat-1490	79	27	consumption	consumption	NOUN
easat-1490	79	28	pattern	pattern	NOUN
easat-1490	79	29	that	that	PRON
easat-1490	79	30	prioritizes	prioritize	VERB
easat-1490	79	31	the	the	DET
easat-1490	79	32	convenience	convenience	NOUN
easat-1490	79	33	of	of	ADP
easat-1490	79	34	purchasing	purchase	VERB
easat-1490	79	35	products	product	NOUN
easat-1490	79	36	and	and	CCONJ
easat-1490	79	37	services	service	NOUN
easat-1490	79	38	.	.	PUNCT
easat-1490	80	1	furthermore	furthermore	ADV
easat-1490	80	2	,	,	PUNCT
easat-1490	80	3	the	the	DET
easat-1490	80	4	safety	safety	NOUN
easat-1490	80	5	and	and	CCONJ
easat-1490	80	6	security	security	NOUN
easat-1490	80	7	characteristics	characteristic	NOUN
easat-1490	80	8	of	of	ADP
easat-1490	80	9	e	e	NOUN
easat-1490	80	10	-	-	NOUN
easat-1490	80	11	wallets	wallet	NOUN
easat-1490	80	12	are	be	AUX
easat-1490	80	13	essential	essential	ADJ
easat-1490	80	14	for	for	ADP
easat-1490	80	15	establishing	establish	VERB
easat-1490	80	16	user	user	NOUN
easat-1490	80	17	trust	trust	NOUN
easat-1490	80	18	and	and	CCONJ
easat-1490	80	19	promoting	promote	VERB
easat-1490	80	20	adoption	adoption	NOUN
easat-1490	80	21	.	.	PUNCT
easat-1490	81	1	e	e	X
easat-1490	81	2	-	-	NOUN
easat-1490	81	3	wallets	wallet	NOUN
easat-1490	81	4	eliminate	eliminate	VERB
easat-1490	81	5	the	the	DET
easat-1490	81	6	necessity	necessity	NOUN
easat-1490	81	7	for	for	ADP
easat-1490	81	8	physical	physical	ADJ
easat-1490	81	9	cards	card	NOUN
easat-1490	81	10	or	or	CCONJ
easat-1490	81	11	currency	currency	NOUN
easat-1490	81	12	,	,	PUNCT
easat-1490	81	13	thereby	thereby	ADV
easat-1490	81	14	providing	provide	VERB
easat-1490	81	15	consumers	consumer	NOUN
easat-1490	81	16	with	with	ADP
easat-1490	81	17	the	the	DET
easat-1490	81	18	convenience	convenience	NOUN
easat-1490	81	19	of	of	ADP
easat-1490	81	20	smooth	smooth	ADJ
easat-1490	81	21	,	,	PUNCT
easat-1490	81	22	secure	secure	ADJ
easat-1490	81	23	,	,	PUNCT
easat-1490	81	24	and	and	CCONJ
easat-1490	81	25	effortless	effortless	ADJ
easat-1490	81	26	transactions	transaction	NOUN
easat-1490	81	27	.	.	PUNCT
easat-1490	82	1	additionally	additionally	ADV
easat-1490	82	2	,	,	PUNCT
easat-1490	82	3	the	the	DET
easat-1490	82	4	literature	literature	NOUN
easat-1490	82	5	indicates	indicate	VERB
easat-1490	82	6	that	that	SCONJ
easat-1490	82	7	the	the	DET
easat-1490	82	8	implementation	implementation	NOUN
easat-1490	82	9	of	of	ADP
easat-1490	82	10	e	e	NOUN
easat-1490	82	11	-	-	NOUN
easat-1490	82	12	wallets	wallet	NOUN
easat-1490	82	13	may	may	AUX
easat-1490	82	14	generate	generate	VERB
easat-1490	82	15	additional	additional	ADJ
easat-1490	82	16	economic	economic	ADJ
easat-1490	82	17	advantages	advantage	NOUN
easat-1490	82	18	.	.	PUNCT
easat-1490	83	1	halimah	halimah	NOUN
easat-1490	83	2	and	and	CCONJ
easat-1490	83	3	riza	riza	PROPN
easat-1490	83	4	(	(	PUNCT
easat-1490	83	5	2022	2022	NUM
easat-1490	83	6	)	)	PUNCT
easat-1490	83	7	demonstrate	demonstrate	VERB
easat-1490	83	8	the	the	DET
easat-1490	83	9	practicality	practicality	NOUN
easat-1490	83	10	of	of	ADP
easat-1490	83	11	e	e	NOUN
easat-1490	83	12	-	-	NOUN
easat-1490	83	13	wallets	wallet	NOUN
easat-1490	83	14	in	in	ADP
easat-1490	83	15	a	a	DET
easat-1490	83	16	variety	variety	NOUN
easat-1490	83	17	of	of	ADP
easat-1490	83	18	daily	daily	ADJ
easat-1490	83	19	activities	activity	NOUN
easat-1490	83	20	by	by	ADP
easat-1490	83	21	utilizing	utilize	VERB
easat-1490	83	22	them	they	PRON
easat-1490	83	23	for	for	ADP
easat-1490	83	24	routine	routine	ADJ
easat-1490	83	25	transactions	transaction	NOUN
easat-1490	83	26	,	,	PUNCT
easat-1490	83	27	including	include	VERB
easat-1490	83	28	grocery	grocery	NOUN
easat-1490	83	29	shopping	shopping	NOUN
easat-1490	83	30	and	and	CCONJ
easat-1490	83	31	public	public	ADJ
easat-1490	83	32	transportation	transportation	NOUN
easat-1490	83	33	payments	payment	NOUN
easat-1490	83	34	.	.	PUNCT
easat-1490	84	1	this	this	DET
easat-1490	84	2	incorporation	incorporation	NOUN
easat-1490	84	3	into	into	ADP
easat-1490	84	4	daily	daily	ADJ
easat-1490	84	5	routines	routine	NOUN
easat-1490	84	6	not	not	PART
easat-1490	84	7	only	only	ADV
easat-1490	84	8	enhances	enhance	VERB
easat-1490	84	9	individual	individual	ADJ
easat-1490	84	10	convenience	convenience	NOUN
easat-1490	84	11	but	but	CCONJ
easat-1490	84	12	also	also	ADV
easat-1490	84	13	enables	enable	VERB
easat-1490	84	14	the	the	DET
easat-1490	84	15	development	development	NOUN
easat-1490	84	16	of	of	ADP
easat-1490	84	17	a	a	DET
easat-1490	84	18	more	more	ADV
easat-1490	84	19	efficient	efficient	ADJ
easat-1490	84	20	digital	digital	ADJ
easat-1490	84	21	economy	economy	NOUN
easat-1490	84	22	.	.	PUNCT
easat-1490	85	1	businesses	business	NOUN
easat-1490	85	2	that	that	PRON
easat-1490	85	3	implement	implement	VERB
easat-1490	85	4	e	e	NOUN
easat-1490	85	5	-	-	NOUN
easat-1490	85	6	wallets	wallet	NOUN
easat-1490	85	7	experience	experience	NOUN
easat-1490	85	8	enhanced	enhance	VERB
easat-1490	85	9	performance	performance	NOUN
easat-1490	85	10	,	,	PUNCT
easat-1490	85	11	as	as	ADV
easat-1490	85	12	well	well	ADV
easat-1490	85	13	as	as	ADP
easat-1490	85	14	increased	increase	VERB
easat-1490	85	15	financial	financial	ADJ
easat-1490	85	16	and	and	CCONJ
easat-1490	85	17	time	time	NOUN
easat-1490	85	18	efficiency	efficiency	NOUN
easat-1490	85	19	.	.	PUNCT
easat-1490	86	1	in	in	ADP
easat-1490	86	2	conclusion	conclusion	NOUN
easat-1490	86	3	,	,	PUNCT
easat-1490	86	4	e	e	NOUN
easat-1490	86	5	-	-	NOUN
easat-1490	86	6	wallets	wallet	NOUN
easat-1490	86	7	are	be	AUX
easat-1490	86	8	transforming	transform	VERB
easat-1490	86	9	financial	financial	ADJ
easat-1490	86	10	transactions	transaction	NOUN
easat-1490	86	11	by	by	ADP
easat-1490	86	12	offering	offer	VERB
easat-1490	86	13	a	a	DET
easat-1490	86	14	secure	secure	ADJ
easat-1490	86	15	,	,	PUNCT
easat-1490	86	16	efficient	efficient	ADJ
easat-1490	86	17	,	,	PUNCT
easat-1490	86	18	and	and	CCONJ
easat-1490	86	19	convenient	convenient	ADJ
easat-1490	86	20	payment	payment	NOUN
easat-1490	86	21	method	method	NOUN
easat-1490	86	22	.	.	PUNCT
easat-1490	87	1	the	the	DET
easat-1490	87	2	integration	integration	NOUN
easat-1490	87	3	of	of	ADP
easat-1490	87	4	e	e	NOUN
easat-1490	87	5	-	-	NOUN
easat-1490	87	6	wallets	wallet	NOUN
easat-1490	87	7	into	into	ADP
easat-1490	87	8	daily	daily	ADJ
easat-1490	87	9	life	life	NOUN
easat-1490	87	10	is	be	AUX
easat-1490	87	11	having	have	VERB
easat-1490	87	12	an	an	DET
easat-1490	87	13	impact	impact	NOUN
easat-1490	87	14	on	on	ADP
easat-1490	87	15	the	the	DET
easat-1490	87	16	transformation	transformation	NOUN
easat-1490	87	17	of	of	ADP
easat-1490	87	18	consumer	consumer	NOUN
easat-1490	87	19	behavior	behavior	NOUN
easat-1490	87	20	and	and	CCONJ
easat-1490	87	21	the	the	DET
easat-1490	87	22	evolution	evolution	NOUN
easat-1490	87	23	of	of	ADP
easat-1490	87	24	digital	digital	ADJ
easat-1490	87	25	financial	financial	ADJ
easat-1490	87	26	transactions	transaction	NOUN
easat-1490	87	27	.	.	PUNCT
easat-1490	88	1	the	the	DET
easat-1490	88	2	advantages	advantage	NOUN
easat-1490	88	3	of	of	ADP
easat-1490	88	4	e	e	NOUN
easat-1490	88	5	-	-	NOUN
easat-1490	88	6	wallets	wallet	NOUN
easat-1490	88	7	,	,	PUNCT
easat-1490	88	8	including	include	VERB
easat-1490	88	9	their	their	PRON
easat-1490	88	10	prevalence	prevalence	NOUN
easat-1490	88	11	among	among	ADP
easat-1490	88	12	users	user	NOUN
easat-1490	88	13	,	,	PUNCT
easat-1490	88	14	security	security	NOUN
easat-1490	88	15	features	feature	NOUN
easat-1490	88	16	,	,	PUNCT
easat-1490	88	17	and	and	CCONJ
easat-1490	88	18	ease	ease	NOUN
easat-1490	88	19	of	of	ADP
easat-1490	88	20	use	use	NOUN
easat-1490	88	21	,	,	PUNCT
easat-1490	88	22	are	be	AUX
easat-1490	88	23	consistently	consistently	ADV
easat-1490	88	24	emphasized	emphasize	VERB
easat-1490	88	25	in	in	ADP
easat-1490	88	26	the	the	DET
easat-1490	88	27	literature	literature	NOUN
easat-1490	88	28	.	.	PUNCT
easat-1490	89	1	these	these	DET
easat-1490	89	2	characteristics	characteristic	NOUN
easat-1490	89	3	are	be	AUX
easat-1490	89	4	essential	essential	ADJ
easat-1490	89	5	for	for	ADP
easat-1490	89	6	the	the	DET
easat-1490	89	7	widespread	widespread	ADJ
easat-1490	89	8	adoption	adoption	NOUN
easat-1490	89	9	of	of	ADP
easat-1490	89	10	e	e	NOUN
easat-1490	89	11	-	-	NOUN
easat-1490	89	12	wallets	wallet	NOUN
easat-1490	89	13	and	and	CCONJ
easat-1490	89	14	the	the	DET
easat-1490	89	15	enhancement	enhancement	NOUN
easat-1490	89	16	of	of	ADP
easat-1490	89	17	consumer	consumer	NOUN
easat-1490	89	18	experiences	experience	NOUN
easat-1490	89	19	in	in	ADP
easat-1490	89	20	the	the	DET
easat-1490	89	21	current	current	ADJ
easat-1490	89	22	market	market	NOUN
easat-1490	89	23	.	.	PUNCT
easat-1490	90	1	technology	technology	NOUN
easat-1490	90	2	acceptance	acceptance	NOUN
easat-1490	90	3	model	model	NOUN
easat-1490	90	4	(	(	PUNCT
easat-1490	90	5	tam	tam	PROPN
easat-1490	90	6	)	)	PUNCT
easat-1490	90	7	and	and	CCONJ
easat-1490	90	8	its	its	PRON
easat-1490	90	9	contribution	contribution	NOUN
easat-1490	90	10	in	in	ADP
easat-1490	90	11	the	the	DET
easat-1490	90	12	use	use	NOUN
easat-1490	90	13	of	of	ADP
easat-1490	90	14	e	e	NOUN
easat-1490	90	15	-	-	NOUN
easat-1490	90	16	wallet	wallet	NOUN
easat-1490	90	17	.	.	PUNCT
easat-1490	91	1	within	within	ADP
easat-1490	91	2	the	the	DET
easat-1490	91	3	context	context	NOUN
easat-1490	91	4	of	of	ADP
easat-1490	91	5	this	this	DET
easat-1490	91	6	study	study	NOUN
easat-1490	91	7	,	,	PUNCT
easat-1490	91	8	internal	internal	ADJ
easat-1490	91	9	factors	factor	NOUN
easat-1490	91	10	refer	refer	VERB
easat-1490	91	11	to	to	ADP
easat-1490	91	12	the	the	DET
easat-1490	91	13	psychological	psychological	ADJ
easat-1490	91	14	or	or	CCONJ
easat-1490	91	15	cognitive	cognitive	ADJ
easat-1490	91	16	dimensions	dimension	NOUN
easat-1490	91	17	that	that	PRON
easat-1490	91	18	have	have	VERB
easat-1490	91	19	an	an	DET
easat-1490	91	20	1160	1160	NUM
easat-1490	91	21	edelweiss	edelweiss	PROPN
easat-1490	91	22	applied	apply	VERB
easat-1490	91	23	science	science	NOUN
easat-1490	91	24	and	and	CCONJ
easat-1490	91	25	technology	technology	NOUN
easat-1490	91	26	issn	issn	PROPN
easat-1490	91	27	:	:	PUNCT
easat-1490	91	28	2576	2576	NUM
easat-1490	91	29	-	-	SYM
easat-1490	91	30	8484	8484	NUM
easat-1490	91	31	vol	vol	NOUN
easat-1490	91	32	.	.	PROPN
easat-1490	91	33	8	8	NUM
easat-1490	91	34	,	,	PUNCT
easat-1490	91	35	no	no	INTJ
easat-1490	91	36	.	.	NOUN
easat-1490	91	37	4	4	NUM
easat-1490	91	38	:	:	SYM
easat-1490	91	39	1157	1157	NUM
easat-1490	91	40	-	-	SYM
easat-1490	91	41	1173	1173	NUM
easat-1490	91	42	,	,	PUNCT
easat-1490	91	43	2024	2024	NUM
easat-1490	91	44	doi	doi	NOUN
easat-1490	91	45	:	:	PUNCT
easat-1490	91	46	10.55214/25768484.v8i4.1490	10.55214/25768484.v8i4.1490	NUM
easat-1490	91	47	©	©	PROPN
easat-1490	91	48	2024	2024	NUM
easat-1490	91	49	by	by	ADP
easat-1490	91	50	the	the	DET
easat-1490	91	51	authors	author	NOUN
easat-1490	91	52	;	;	PUNCT
easat-1490	91	53	licensee	licensee	PROPN
easat-1490	91	54	learning	learn	VERB
easat-1490	91	55	gate	gate	NOUN
easat-1490	91	56	impact	impact	NOUN
easat-1490	91	57	on	on	ADP
easat-1490	91	58	an	an	DET
easat-1490	91	59	individual	individual	NOUN
easat-1490	91	60	's	's	PART
easat-1490	91	61	decision	decision	NOUN
easat-1490	91	62	to	to	PART
easat-1490	91	63	utilize	utilize	VERB
easat-1490	91	64	e	e	NOUN
easat-1490	91	65	-	-	NOUN
easat-1490	91	66	wallets	wallet	NOUN
easat-1490	91	67	.	.	PUNCT
easat-1490	92	1	it	it	PRON
easat-1490	92	2	is	be	AUX
easat-1490	92	3	crucial	crucial	ADJ
easat-1490	92	4	to	to	PART
easat-1490	92	5	evaluate	evaluate	VERB
easat-1490	92	6	an	an	DET
easat-1490	92	7	individual	individual	NOUN
easat-1490	92	8	's	's	PART
easat-1490	92	9	decision	decision	NOUN
easat-1490	92	10	based	base	VERB
easat-1490	92	11	on	on	ADP
easat-1490	92	12	their	their	PRON
easat-1490	92	13	perception	perception	NOUN
easat-1490	92	14	of	of	ADP
easat-1490	92	15	the	the	DET
easat-1490	92	16	use	use	NOUN
easat-1490	92	17	and	and	CCONJ
easat-1490	92	18	convenience	convenience	NOUN
easat-1490	92	19	of	of	ADP
easat-1490	92	20	technology	technology	NOUN
easat-1490	92	21	in	in	ADP
easat-1490	92	22	their	their	PRON
easat-1490	92	23	everyday	everyday	ADJ
easat-1490	92	24	life	life	NOUN
easat-1490	92	25	.	.	PUNCT
easat-1490	93	1	according	accord	VERB
easat-1490	93	2	to	to	ADP
easat-1490	93	3	the	the	DET
easat-1490	93	4	technology	technology	NOUN
easat-1490	93	5	acceptance	acceptance	NOUN
easat-1490	93	6	model	model	NOUN
easat-1490	93	7	(	(	PUNCT
easat-1490	93	8	tam	tam	PROPN
easat-1490	93	9	)	)	PUNCT
easat-1490	93	10	proposed	propose	VERB
easat-1490	93	11	by	by	ADP
easat-1490	93	12	theoryhub	theoryhub	NOUN
easat-1490	93	13	academic	academic	ADJ
easat-1490	93	14	theories	theory	NOUN
easat-1490	93	15	reviews	review	VERB
easat-1490	93	16	for	for	ADP
easat-1490	93	17	research	research	NOUN
easat-1490	93	18	and	and	CCONJ
easat-1490	93	19	t&l	t&l	PROPN
easat-1490	93	20	(	(	PUNCT
easat-1490	93	21	n.d	n.d	PROPN
easat-1490	93	22	)	)	PUNCT
easat-1490	93	23	,	,	PUNCT
easat-1490	93	24	researchers	researcher	NOUN
easat-1490	93	25	suggest	suggest	VERB
easat-1490	93	26	that	that	SCONJ
easat-1490	93	27	users	user	NOUN
easat-1490	93	28	'	'	PART
easat-1490	93	29	adoption	adoption	NOUN
easat-1490	93	30	of	of	ADP
easat-1490	93	31	technology	technology	NOUN
easat-1490	93	32	can	can	AUX
easat-1490	93	33	be	be	AUX
easat-1490	93	34	predicted	predict	VERB
easat-1490	93	35	by	by	ADP
easat-1490	93	36	their	their	PRON
easat-1490	93	37	behavioral	behavioral	ADJ
easat-1490	93	38	intention	intention	NOUN
easat-1490	93	39	.	.	PUNCT
easat-1490	94	1	their	their	PRON
easat-1490	94	2	perception	perception	NOUN
easat-1490	94	3	of	of	ADP
easat-1490	94	4	the	the	DET
easat-1490	94	5	technology	technology	NOUN
easat-1490	94	6	's	's	PART
easat-1490	94	7	ease	ease	NOUN
easat-1490	94	8	of	of	ADP
easat-1490	94	9	use	use	NOUN
easat-1490	94	10	and	and	CCONJ
easat-1490	94	11	its	its	PRON
easat-1490	94	12	usefulness	usefulness	NOUN
easat-1490	94	13	in	in	ADP
easat-1490	94	14	executing	execute	VERB
easat-1490	94	15	a	a	DET
easat-1490	94	16	task	task	NOUN
easat-1490	94	17	influences	influence	NOUN
easat-1490	94	18	this	this	DET
easat-1490	94	19	intention	intention	NOUN
easat-1490	94	20	.	.	PUNCT
easat-1490	95	1	according	accord	VERB
easat-1490	95	2	to	to	ADP
easat-1490	95	3	surendran	surendran	NOUN
easat-1490	95	4	's	's	PART
easat-1490	95	5	research	research	NOUN
easat-1490	95	6	(	(	PUNCT
easat-1490	95	7	2012	2012	NUM
easat-1490	95	8	)	)	PUNCT
easat-1490	95	9	,	,	PUNCT
easat-1490	95	10	the	the	DET
easat-1490	95	11	technology	technology	NOUN
easat-1490	95	12	acceptance	acceptance	NOUN
easat-1490	95	13	model	model	NOUN
easat-1490	95	14	(	(	PUNCT
easat-1490	95	15	tam	tam	NOUN
easat-1490	95	16	)	)	PUNCT
easat-1490	95	17	posits	posit	NOUN
easat-1490	95	18	that	that	PRON
easat-1490	95	19	an	an	DET
easat-1490	95	20	individual	individual	NOUN
easat-1490	95	21	's	's	PART
easat-1490	95	22	inclination	inclination	NOUN
easat-1490	95	23	to	to	PART
easat-1490	95	24	adopt	adopt	VERB
easat-1490	95	25	a	a	DET
easat-1490	95	26	technology	technology	NOUN
easat-1490	95	27	is	be	AUX
easat-1490	95	28	determined	determine	VERB
easat-1490	95	29	by	by	ADP
easat-1490	95	30	their	their	PRON
easat-1490	95	31	assessment	assessment	NOUN
easat-1490	95	32	of	of	ADP
easat-1490	95	33	its	its	PRON
easat-1490	95	34	utility	utility	NOUN
easat-1490	95	35	(	(	PUNCT
easat-1490	95	36	pu	pu	PROPN
easat-1490	95	37	)	)	PUNCT
easat-1490	95	38	and	and	CCONJ
easat-1490	95	39	simplicity	simplicity	NOUN
easat-1490	95	40	(	(	PUNCT
easat-1490	95	41	peou).these	peou).these	ADJ
easat-1490	95	42	factors	factor	NOUN
easat-1490	95	43	are	be	AUX
easat-1490	95	44	important	important	ADJ
easat-1490	95	45	in	in	ADP
easat-1490	95	46	predicting	predict	VERB
easat-1490	95	47	the	the	DET
easat-1490	95	48	actual	actual	ADJ
easat-1490	95	49	usage	usage	NOUN
easat-1490	95	50	behavior	behavior	NOUN
easat-1490	95	51	of	of	ADP
easat-1490	95	52	individuals	individual	NOUN
easat-1490	95	53	.	.	PUNCT
easat-1490	96	1	the	the	DET
easat-1490	96	2	technology	technology	NOUN
easat-1490	96	3	acceptance	acceptance	NOUN
easat-1490	96	4	model	model	NOUN
easat-1490	96	5	(	(	PUNCT
easat-1490	96	6	tam	tam	NOUN
easat-1490	96	7	)	)	PUNCT
easat-1490	96	8	provides	provide	VERB
easat-1490	96	9	valuable	valuable	ADJ
easat-1490	96	10	insights	insight	NOUN
easat-1490	96	11	into	into	ADP
easat-1490	96	12	the	the	DET
easat-1490	96	13	factors	factor	NOUN
easat-1490	96	14	that	that	PRON
easat-1490	96	15	drive	drive	VERB
easat-1490	96	16	user	user	NOUN
easat-1490	96	17	adoption	adoption	NOUN
easat-1490	96	18	and	and	CCONJ
easat-1490	96	19	sustained	sustained	ADJ
easat-1490	96	20	use	use	NOUN
easat-1490	96	21	in	in	ADP
easat-1490	96	22	the	the	DET
easat-1490	96	23	context	context	NOUN
easat-1490	96	24	of	of	ADP
easat-1490	96	25	digital	digital	ADJ
easat-1490	96	26	payments	payment	NOUN
easat-1490	96	27	.	.	PUNCT
easat-1490	97	1	researchers	researcher	NOUN
easat-1490	97	2	have	have	AUX
easat-1490	97	3	discovered	discover	VERB
easat-1490	97	4	that	that	SCONJ
easat-1490	97	5	people	people	NOUN
easat-1490	97	6	's	's	PART
easat-1490	97	7	personal	personal	ADJ
easat-1490	97	8	views	view	NOUN
easat-1490	97	9	towards	towards	ADP
easat-1490	97	10	using	use	VERB
easat-1490	97	11	e	e	NOUN
easat-1490	97	12	-	-	NOUN
easat-1490	97	13	wallets	wallet	NOUN
easat-1490	97	14	are	be	AUX
easat-1490	97	15	greatly	greatly	ADV
easat-1490	97	16	affected	affect	VERB
easat-1490	97	17	by	by	ADP
easat-1490	97	18	their	their	PRON
easat-1490	97	19	perception	perception	NOUN
easat-1490	97	20	of	of	ADP
easat-1490	97	21	how	how	SCONJ
easat-1490	97	22	easy	easy	ADJ
easat-1490	97	23	they	they	PRON
easat-1490	97	24	are	be	AUX
easat-1490	97	25	to	to	PART
easat-1490	97	26	use	use	VERB
easat-1490	97	27	and	and	CCONJ
easat-1490	97	28	how	how	SCONJ
easat-1490	97	29	valuable	valuable	ADJ
easat-1490	97	30	they	they	PRON
easat-1490	97	31	are	be	AUX
easat-1490	98	1	.	.	PUNCT
easat-1490	98	2	harsanto	harsanto	PROPN
easat-1490	98	3	,	,	PUNCT
easat-1490	98	4	matondang	matondang	PROPN
easat-1490	98	5	,	,	PUNCT
easat-1490	98	6	and	and	CCONJ
easat-1490	98	7	wibowo	wibowo	PROPN
easat-1490	98	8	(	(	PUNCT
easat-1490	98	9	2023b	2023b	NUM
easat-1490	98	10	)	)	PUNCT
easat-1490	98	11	assert	assert	VERB
easat-1490	98	12	that	that	SCONJ
easat-1490	98	13	the	the	DET
easat-1490	98	14	technology	technology	NOUN
easat-1490	98	15	acceptance	acceptance	NOUN
easat-1490	98	16	model	model	NOUN
easat-1490	98	17	(	(	PUNCT
easat-1490	98	18	tam	tam	NOUN
easat-1490	98	19	)	)	PUNCT
easat-1490	98	20	deems	deem	VERB
easat-1490	98	21	these	these	DET
easat-1490	98	22	characteristics	characteristic	NOUN
easat-1490	98	23	as	as	ADP
easat-1490	98	24	pivotal	pivotal	ADJ
easat-1490	98	25	criteria	criterion	NOUN
easat-1490	98	26	in	in	ADP
easat-1490	98	27	evaluating	evaluate	VERB
easat-1490	98	28	an	an	DET
easat-1490	98	29	individual	individual	NOUN
easat-1490	98	30	's	's	PART
easat-1490	98	31	inclination	inclination	NOUN
easat-1490	98	32	to	to	PART
easat-1490	98	33	embrace	embrace	VERB
easat-1490	98	34	and	and	CCONJ
easat-1490	98	35	maintain	maintain	VERB
easat-1490	98	36	the	the	DET
easat-1490	98	37	utilization	utilization	NOUN
easat-1490	98	38	of	of	ADP
easat-1490	98	39	novel	novel	ADJ
easat-1490	98	40	technology	technology	NOUN
easat-1490	98	41	.	.	PUNCT
easat-1490	99	1	peou	peou	ADV
easat-1490	99	2	,	,	PUNCT
easat-1490	99	3	or	or	CCONJ
easat-1490	99	4	perceived	perceive	VERB
easat-1490	99	5	ease	ease	NOUN
easat-1490	99	6	of	of	ADP
easat-1490	99	7	use	use	NOUN
easat-1490	99	8	,	,	PUNCT
easat-1490	99	9	refers	refer	VERB
easat-1490	99	10	to	to	ADP
easat-1490	99	11	the	the	DET
easat-1490	99	12	degree	degree	NOUN
easat-1490	99	13	to	to	PART
easat-1490	99	14	which	which	PRON
easat-1490	99	15	consumers	consumer	NOUN
easat-1490	99	16	regard	regard	VERB
easat-1490	99	17	the	the	DET
easat-1490	99	18	utilization	utilization	NOUN
easat-1490	99	19	of	of	ADP
easat-1490	99	20	an	an	DET
easat-1490	99	21	e	e	NOUN
easat-1490	99	22	-	-	NOUN
easat-1490	99	23	wallet	wallet	NOUN
easat-1490	99	24	as	as	ADP
easat-1490	99	25	simple	simple	ADJ
easat-1490	99	26	and	and	CCONJ
easat-1490	99	27	uncomplicated	uncomplicated	ADJ
easat-1490	99	28	.	.	PUNCT
easat-1490	100	1	this	this	PRON
easat-1490	100	2	encompasses	encompass	VERB
easat-1490	100	3	characteristics	characteristic	NOUN
easat-1490	100	4	such	such	ADJ
easat-1490	100	5	as	as	ADP
easat-1490	100	6	the	the	DET
easat-1490	100	7	straightforwardness	straightforwardness	NOUN
easat-1490	100	8	of	of	ADP
easat-1490	100	9	the	the	DET
easat-1490	100	10	transaction	transaction	NOUN
easat-1490	100	11	procedure	procedure	NOUN
easat-1490	100	12	,	,	PUNCT
easat-1490	100	13	the	the	DET
easat-1490	100	14	user	user	NOUN
easat-1490	100	15	-	-	PUNCT
easat-1490	100	16	friendliness	friendliness	NOUN
easat-1490	100	17	of	of	ADP
easat-1490	100	18	the	the	DET
easat-1490	100	19	navigation	navigation	NOUN
easat-1490	100	20	,	,	PUNCT
easat-1490	100	21	and	and	CCONJ
easat-1490	100	22	the	the	DET
easat-1490	100	23	simplicity	simplicity	NOUN
easat-1490	100	24	of	of	ADP
easat-1490	100	25	the	the	DET
easat-1490	100	26	interface	interface	NOUN
easat-1490	100	27	.	.	PUNCT
easat-1490	101	1	in	in	ADP
easat-1490	101	2	their	their	PRON
easat-1490	101	3	study	study	NOUN
easat-1490	101	4	,	,	PUNCT
easat-1490	101	5	aydin	aydin	NOUN
easat-1490	101	6	and	and	CCONJ
easat-1490	101	7	burnaz	burnaz	PROPN
easat-1490	101	8	(	(	PUNCT
easat-1490	101	9	2016	2016	NUM
easat-1490	101	10	)	)	PUNCT
easat-1490	101	11	discovered	discover	VERB
easat-1490	101	12	that	that	SCONJ
easat-1490	101	13	individuals	individual	NOUN
easat-1490	101	14	are	be	AUX
easat-1490	101	15	more	more	ADV
easat-1490	101	16	likely	likely	ADJ
easat-1490	101	17	to	to	PART
easat-1490	101	18	embrace	embrace	VERB
easat-1490	101	19	the	the	DET
easat-1490	101	20	use	use	NOUN
easat-1490	101	21	of	of	ADP
easat-1490	101	22	an	an	DET
easat-1490	101	23	e	e	NOUN
easat-1490	101	24	-	-	NOUN
easat-1490	101	25	wallet	wallet	NOUN
easat-1490	101	26	if	if	SCONJ
easat-1490	101	27	they	they	PRON
easat-1490	101	28	perceive	perceive	VERB
easat-1490	101	29	it	it	PRON
easat-1490	101	30	to	to	PART
easat-1490	101	31	be	be	AUX
easat-1490	101	32	user	user	NOUN
easat-1490	101	33	-	-	PUNCT
easat-1490	101	34	friendly	friendly	ADJ
easat-1490	101	35	.	.	PUNCT
easat-1490	102	1	this	this	DET
easat-1490	102	2	perception	perception	NOUN
easat-1490	102	3	is	be	AUX
easat-1490	102	4	based	base	VERB
easat-1490	102	5	on	on	ADP
easat-1490	102	6	the	the	DET
easat-1490	102	7	belief	belief	NOUN
easat-1490	102	8	that	that	SCONJ
easat-1490	102	9	a	a	DET
easat-1490	102	10	user	user	NOUN
easat-1490	102	11	-	-	PUNCT
easat-1490	102	12	friendly	friendly	ADJ
easat-1490	102	13	e	e	NOUN
easat-1490	102	14	-	-	NOUN
easat-1490	102	15	wallet	wallet	NOUN
easat-1490	102	16	reduces	reduce	VERB
easat-1490	102	17	the	the	DET
easat-1490	102	18	effort	effort	NOUN
easat-1490	102	19	required	require	VERB
easat-1490	102	20	to	to	PART
easat-1490	102	21	comprehend	comprehend	VERB
easat-1490	102	22	and	and	CCONJ
easat-1490	102	23	navigate	navigate	VERB
easat-1490	102	24	the	the	DET
easat-1490	102	25	system	system	NOUN
easat-1490	102	26	.	.	PUNCT
easat-1490	103	1	nevertheless	nevertheless	ADV
easat-1490	103	2	,	,	PUNCT
easat-1490	103	3	pu	pu	PROPN
easat-1490	103	4	refers	refer	VERB
easat-1490	103	5	to	to	ADP
easat-1490	103	6	the	the	DET
easat-1490	103	7	extent	extent	NOUN
easat-1490	103	8	to	to	PART
easat-1490	103	9	which	which	PRON
easat-1490	103	10	researchers	researcher	NOUN
easat-1490	103	11	are	be	AUX
easat-1490	103	12	convinced	convince	VERB
easat-1490	103	13	that	that	SCONJ
easat-1490	103	14	the	the	DET
easat-1490	103	15	e	e	NOUN
easat-1490	103	16	-	-	NOUN
easat-1490	103	17	wallet	wallet	NOUN
easat-1490	103	18	will	will	AUX
easat-1490	103	19	enhance	enhance	VERB
easat-1490	103	20	users	user	NOUN
easat-1490	103	21	'	'	PART
easat-1490	103	22	financial	financial	ADJ
easat-1490	103	23	management	management	NOUN
easat-1490	103	24	and	and	CCONJ
easat-1490	103	25	transaction	transaction	NOUN
easat-1490	103	26	efficiency	efficiency	NOUN
easat-1490	103	27	.	.	PUNCT
easat-1490	104	1	the	the	DET
easat-1490	104	2	advantages	advantage	NOUN
easat-1490	104	3	of	of	ADP
easat-1490	104	4	using	use	VERB
easat-1490	104	5	this	this	PRON
easat-1490	104	6	may	may	AUX
easat-1490	104	7	include	include	VERB
easat-1490	104	8	convenience	convenience	NOUN
easat-1490	104	9	,	,	PUNCT
easat-1490	104	10	time	time	NOUN
easat-1490	104	11	savings	saving	NOUN
easat-1490	104	12	,	,	PUNCT
easat-1490	104	13	and	and	CCONJ
easat-1490	104	14	additional	additional	ADJ
easat-1490	104	15	features	feature	NOUN
easat-1490	104	16	such	such	ADJ
easat-1490	104	17	as	as	ADP
easat-1490	104	18	budget	budget	NOUN
easat-1490	104	19	management	management	NOUN
easat-1490	104	20	tools	tool	NOUN
easat-1490	104	21	and	and	CCONJ
easat-1490	104	22	transaction	transaction	NOUN
easat-1490	104	23	history	history	NOUN
easat-1490	104	24	monitoring	monitoring	NOUN
easat-1490	104	25	.	.	PUNCT
easat-1490	105	1	as	as	SCONJ
easat-1490	105	2	stated	state	VERB
easat-1490	105	3	by	by	ADP
easat-1490	105	4	subaramaniam	subaramaniam	PROPN
easat-1490	105	5	(	(	PUNCT
easat-1490	105	6	2020	2020	NUM
easat-1490	105	7	)	)	PUNCT
easat-1490	105	8	,	,	PUNCT
easat-1490	105	9	the	the	DET
easat-1490	105	10	readiness	readiness	NOUN
easat-1490	105	11	of	of	ADP
easat-1490	105	12	users	user	NOUN
easat-1490	105	13	to	to	PART
easat-1490	105	14	adopt	adopt	VERB
easat-1490	105	15	and	and	CCONJ
easat-1490	105	16	regularly	regularly	ADV
easat-1490	105	17	use	use	VERB
easat-1490	105	18	e	e	NOUN
easat-1490	105	19	-	-	NOUN
easat-1490	105	20	wallets	wallet	NOUN
easat-1490	105	21	is	be	AUX
easat-1490	105	22	enhanced	enhance	VERB
easat-1490	105	23	when	when	SCONJ
easat-1490	105	24	they	they	PRON
easat-1490	105	25	perceive	perceive	VERB
easat-1490	105	26	tangible	tangible	ADJ
easat-1490	105	27	advantages	advantage	NOUN
easat-1490	105	28	such	such	ADJ
easat-1490	105	29	as	as	ADP
easat-1490	105	30	simplified	simplified	ADJ
easat-1490	105	31	financial	financial	ADJ
easat-1490	105	32	transactions	transaction	NOUN
easat-1490	105	33	and	and	CCONJ
easat-1490	105	34	reduced	reduce	VERB
easat-1490	105	35	reliance	reliance	NOUN
easat-1490	105	36	on	on	ADP
easat-1490	105	37	cash	cash	NOUN
easat-1490	105	38	.	.	PUNCT
easat-1490	106	1	positive	positive	ADJ
easat-1490	106	2	evaluations	evaluation	NOUN
easat-1490	106	3	of	of	ADP
easat-1490	106	4	perceived	perceive	VERB
easat-1490	106	5	ease	ease	NOUN
easat-1490	106	6	of	of	ADP
easat-1490	106	7	use	use	NOUN
easat-1490	106	8	(	(	PUNCT
easat-1490	106	9	peou	peou	ADV
easat-1490	106	10	)	)	PUNCT
easat-1490	106	11	and	and	CCONJ
easat-1490	106	12	perceived	perceive	VERB
easat-1490	106	13	usefulness	usefulness	NOUN
easat-1490	106	14	(	(	PUNCT
easat-1490	106	15	pu	pu	NOUN
easat-1490	106	16	)	)	PUNCT
easat-1490	106	17	significantly	significantly	ADV
easat-1490	106	18	increase	increase	VERB
easat-1490	106	19	the	the	DET
easat-1490	106	20	probability	probability	NOUN
easat-1490	106	21	of	of	ADP
easat-1490	106	22	e	e	NOUN
easat-1490	106	23	-	-	NOUN
easat-1490	106	24	wallet	wallet	NOUN
easat-1490	106	25	acceptance	acceptance	NOUN
easat-1490	106	26	and	and	CCONJ
easat-1490	106	27	utilization	utilization	NOUN
easat-1490	106	28	.	.	PUNCT
easat-1490	107	1	perceived	perceive	VERB
easat-1490	107	2	risks	risk	NOUN
easat-1490	107	3	and	and	CCONJ
easat-1490	107	4	uncertainties	uncertainty	NOUN
easat-1490	107	5	of	of	ADP
easat-1490	107	6	users	user	NOUN
easat-1490	107	7	are	be	AUX
easat-1490	107	8	reduced	reduce	VERB
easat-1490	107	9	by	by	ADP
easat-1490	107	10	positive	positive	ADJ
easat-1490	107	11	perceptions	perception	NOUN
easat-1490	107	12	,	,	PUNCT
easat-1490	107	13	leading	lead	VERB
easat-1490	107	14	to	to	ADP
easat-1490	107	15	a	a	DET
easat-1490	107	16	more	more	ADV
easat-1490	107	17	favorable	favorable	ADJ
easat-1490	107	18	attitude	attitude	NOUN
easat-1490	107	19	towards	towards	ADP
easat-1490	107	20	the	the	DET
easat-1490	107	21	technology	technology	NOUN
easat-1490	107	22	(	(	PUNCT
easat-1490	107	23	aydin	aydin	NOUN
easat-1490	107	24	and	and	CCONJ
easat-1490	107	25	burnaz	burnaz	PROPN
easat-1490	107	26	,	,	PUNCT
easat-1490	107	27	2016	2016	NUM
easat-1490	107	28	)	)	PUNCT
easat-1490	107	29	.	.	PUNCT
easat-1490	108	1	for	for	ADP
easat-1490	108	2	instance	instance	NOUN
easat-1490	108	3	,	,	PUNCT
easat-1490	108	4	individuals	individual	NOUN
easat-1490	108	5	are	be	AUX
easat-1490	108	6	more	more	ADV
easat-1490	108	7	inclined	inclined	ADJ
easat-1490	108	8	to	to	PART
easat-1490	108	9	incorporate	incorporate	VERB
easat-1490	108	10	an	an	DET
easat-1490	108	11	e	e	NOUN
easat-1490	108	12	-	-	NOUN
easat-1490	108	13	wallet	wallet	NOUN
easat-1490	108	14	into	into	ADP
easat-1490	108	15	their	their	PRON
easat-1490	108	16	everyday	everyday	ADJ
easat-1490	108	17	activities	activity	NOUN
easat-1490	108	18	if	if	SCONJ
easat-1490	108	19	it	it	PRON
easat-1490	108	20	exhibits	exhibit	VERB
easat-1490	108	21	user	user	NOUN
easat-1490	108	22	-	-	PUNCT
easat-1490	108	23	friendly	friendly	ADJ
easat-1490	108	24	features	feature	NOUN
easat-1490	108	25	and	and	CCONJ
easat-1490	108	26	offers	offer	VERB
easat-1490	108	27	concrete	concrete	ADJ
easat-1490	108	28	advantages	advantage	NOUN
easat-1490	108	29	,	,	PUNCT
easat-1490	108	30	such	such	ADJ
easat-1490	108	31	as	as	ADP
easat-1490	108	32	ensuring	ensure	VERB
easat-1490	108	33	secure	secure	ADJ
easat-1490	108	34	and	and	CCONJ
easat-1490	108	35	fast	fast	ADJ
easat-1490	108	36	transactions	transaction	NOUN
easat-1490	108	37	.	.	PUNCT
easat-1490	109	1	on	on	ADP
easat-1490	109	2	the	the	DET
easat-1490	109	3	other	other	ADJ
easat-1490	109	4	hand	hand	NOUN
easat-1490	109	5	,	,	PUNCT
easat-1490	109	6	the	the	DET
easat-1490	109	7	adoption	adoption	NOUN
easat-1490	109	8	process	process	NOUN
easat-1490	109	9	can	can	AUX
easat-1490	109	10	face	face	VERB
easat-1490	109	11	significant	significant	ADJ
easat-1490	109	12	obstacles	obstacle	NOUN
easat-1490	109	13	due	due	ADP
easat-1490	109	14	to	to	ADP
easat-1490	109	15	negative	negative	ADJ
easat-1490	109	16	perceptions	perception	NOUN
easat-1490	109	17	of	of	ADP
easat-1490	109	18	these	these	DET
easat-1490	109	19	factors	factor	NOUN
easat-1490	109	20	.	.	PUNCT
easat-1490	110	1	when	when	SCONJ
easat-1490	110	2	individuals	individual	NOUN
easat-1490	110	3	face	face	VERB
easat-1490	110	4	challenges	challenge	NOUN
easat-1490	110	5	in	in	ADP
easat-1490	110	6	navigating	navigate	VERB
easat-1490	110	7	an	an	DET
easat-1490	110	8	e	e	NOUN
easat-1490	110	9	-	-	NOUN
easat-1490	110	10	wallet	wallet	NOUN
easat-1490	110	11	or	or	CCONJ
easat-1490	110	12	do	do	AUX
easat-1490	110	13	not	not	PART
easat-1490	110	14	see	see	VERB
easat-1490	110	15	a	a	DET
easat-1490	110	16	clear	clear	ADJ
easat-1490	110	17	advantage	advantage	NOUN
easat-1490	110	18	,	,	PUNCT
easat-1490	110	19	they	they	PRON
easat-1490	110	20	tend	tend	VERB
easat-1490	110	21	to	to	PART
easat-1490	110	22	postpone	postpone	VERB
easat-1490	110	23	the	the	DET
easat-1490	110	24	adoption	adoption	NOUN
easat-1490	110	25	of	of	ADP
easat-1490	110	26	the	the	DET
easat-1490	110	27	technology	technology	NOUN
easat-1490	110	28	.	.	PUNCT
easat-1490	111	1	the	the	DET
easat-1490	111	2	perceptions	perception	NOUN
easat-1490	111	3	of	of	ADP
easat-1490	111	4	users	user	NOUN
easat-1490	111	5	can	can	AUX
easat-1490	111	6	be	be	AUX
easat-1490	111	7	further	far	ADV
easat-1490	111	8	intensified	intensify	VERB
easat-1490	111	9	by	by	ADP
easat-1490	111	10	negative	negative	ADJ
easat-1490	111	11	experiences	experience	NOUN
easat-1490	111	12	,	,	PUNCT
easat-1490	111	13	such	such	ADJ
easat-1490	111	14	as	as	ADP
easat-1490	111	15	complicated	complicated	ADJ
easat-1490	111	16	registration	registration	NOUN
easat-1490	111	17	processes	process	NOUN
easat-1490	111	18	or	or	CCONJ
easat-1490	111	19	frequent	frequent	ADJ
easat-1490	111	20	technical	technical	ADJ
easat-1490	111	21	difficulties	difficulty	NOUN
easat-1490	111	22	,	,	PUNCT
easat-1490	111	23	which	which	PRON
easat-1490	111	24	can	can	AUX
easat-1490	111	25	lead	lead	VERB
easat-1490	111	26	to	to	ADP
easat-1490	111	27	resistance	resistance	NOUN
easat-1490	111	28	(	(	PUNCT
easat-1490	111	29	zhou	zhou	PROPN
easat-1490	111	30	,	,	PUNCT
easat-1490	111	31	2014	2014	NUM
easat-1490	111	32	)	)	PUNCT
easat-1490	111	33	.	.	PUNCT
easat-1490	112	1	therefore	therefore	ADV
easat-1490	112	2	,	,	PUNCT
easat-1490	112	3	it	it	PRON
easat-1490	112	4	is	be	AUX
easat-1490	112	5	crucial	crucial	ADJ
easat-1490	112	6	for	for	SCONJ
easat-1490	112	7	researchers	researcher	NOUN
easat-1490	112	8	to	to	PART
easat-1490	112	9	fully	fully	ADV
easat-1490	112	10	understand	understand	VERB
easat-1490	112	11	and	and	CCONJ
easat-1490	112	12	address	address	VERB
easat-1490	112	13	these	these	DET
easat-1490	112	14	internal	internal	ADJ
easat-1490	112	15	factors	factor	NOUN
easat-1490	112	16	,	,	PUNCT
easat-1490	112	17	namely	namely	ADV
easat-1490	112	18	perceived	perceive	VERB
easat-1490	112	19	ease	ease	NOUN
easat-1490	112	20	of	of	ADP
easat-1490	112	21	use	use	NOUN
easat-1490	112	22	(	(	PUNCT
easat-1490	112	23	peou	peou	ADV
easat-1490	112	24	)	)	PUNCT
easat-1490	112	25	and	and	CCONJ
easat-1490	112	26	perceived	perceive	VERB
easat-1490	112	27	usefulness	usefulness	NOUN
easat-1490	112	28	(	(	PUNCT
easat-1490	112	29	pu	pu	PROPN
easat-1490	112	30	)	)	PUNCT
easat-1490	112	31	,	,	PUNCT
easat-1490	112	32	in	in	ADP
easat-1490	112	33	order	order	NOUN
easat-1490	112	34	to	to	PART
easat-1490	112	35	improve	improve	VERB
easat-1490	112	36	consumer	consumer	NOUN
easat-1490	112	37	acceptance	acceptance	NOUN
easat-1490	112	38	and	and	CCONJ
easat-1490	112	39	adoption	adoption	NOUN
easat-1490	112	40	of	of	ADP
easat-1490	112	41	e	e	NOUN
easat-1490	112	42	-	-	NOUN
easat-1490	112	43	wallets	wallet	NOUN
easat-1490	112	44	.	.	PUNCT
easat-1490	113	1	researchers	researcher	NOUN
easat-1490	113	2	emphasize	emphasize	VERB
easat-1490	113	3	the	the	DET
easat-1490	113	4	importance	importance	NOUN
easat-1490	113	5	of	of	ADP
easat-1490	113	6	developers	developer	NOUN
easat-1490	113	7	and	and	CCONJ
easat-1490	113	8	marketers	marketer	NOUN
easat-1490	113	9	focusing	focus	VERB
easat-1490	113	10	on	on	ADP
easat-1490	113	11	the	the	DET
easat-1490	113	12	development	development	NOUN
easat-1490	113	13	of	of	ADP
easat-1490	113	14	user	user	NOUN
easat-1490	113	15	-	-	PUNCT
easat-1490	113	16	friendly	friendly	ADJ
easat-1490	113	17	,	,	PUNCT
easat-1490	113	18	intuitive	intuitive	ADJ
easat-1490	113	19	interfaces	interface	NOUN
easat-1490	113	20	and	and	CCONJ
easat-1490	113	21	effectively	effectively	ADV
easat-1490	113	22	communicating	communicate	VERB
easat-1490	113	23	the	the	DET
easat-1490	113	24	advantages	advantage	NOUN
easat-1490	113	25	of	of	ADP
easat-1490	113	26	e	e	NOUN
easat-1490	113	27	-	-	NOUN
easat-1490	113	28	wallets	wallet	NOUN
easat-1490	113	29	to	to	ADP
easat-1490	113	30	potential	potential	ADJ
easat-1490	113	31	users	user	NOUN
easat-1490	113	32	.	.	PUNCT
easat-1490	114	1	research	research	NOUN
easat-1490	114	2	suggests	suggest	VERB
easat-1490	114	3	that	that	SCONJ
easat-1490	114	4	user	user	NOUN
easat-1490	114	5	attitudes	attitude	NOUN
easat-1490	114	6	towards	towards	ADP
easat-1490	114	7	e	e	NOUN
easat-1490	114	8	-	-	NOUN
easat-1490	114	9	wallets	wallet	NOUN
easat-1490	114	10	can	can	AUX
easat-1490	114	11	be	be	AUX
easat-1490	114	12	significantly	significantly	ADV
easat-1490	114	13	enhanced	enhance	VERB
easat-1490	114	14	by	by	ADP
easat-1490	114	15	highlighting	highlight	VERB
easat-1490	114	16	their	their	PRON
easat-1490	114	17	practical	practical	ADJ
easat-1490	114	18	benefits	benefit	NOUN
easat-1490	114	19	and	and	CCONJ
easat-1490	114	20	enhancing	enhance	VERB
easat-1490	114	21	their	their	PRON
easat-1490	114	22	usability	usability	NOUN
easat-1490	114	23	.	.	PUNCT
easat-1490	115	1	this	this	PRON
easat-1490	115	2	,	,	PUNCT
easat-1490	115	3	in	in	ADP
easat-1490	115	4	turn	turn	NOUN
easat-1490	115	5	,	,	PUNCT
easat-1490	115	6	can	can	AUX
easat-1490	115	7	drive	drive	VERB
easat-1490	115	8	greater	great	ADJ
easat-1490	115	9	acceptance	acceptance	NOUN
easat-1490	115	10	and	and	CCONJ
easat-1490	115	11	usage	usage	NOUN
easat-1490	115	12	of	of	ADP
easat-1490	115	13	e	e	NOUN
easat-1490	115	14	-	-	NOUN
easat-1490	115	15	wallets	wallet	NOUN
easat-1490	115	16	among	among	ADP
easat-1490	115	17	the	the	DET
easat-1490	115	18	general	general	ADJ
easat-1490	115	19	population	population	NOUN
easat-1490	115	20	.	.	PUNCT
easat-1490	116	1	ultimately	ultimately	ADV
easat-1490	116	2	,	,	PUNCT
easat-1490	116	3	this	this	DET
easat-1490	116	4	strategic	strategic	ADJ
easat-1490	116	5	approach	approach	NOUN
easat-1490	116	6	fosters	foster	VERB
easat-1490	116	7	the	the	DET
easat-1490	116	8	development	development	NOUN
easat-1490	116	9	of	of	ADP
easat-1490	116	10	a	a	DET
easat-1490	116	11	strong	strong	ADJ
easat-1490	116	12	digital	digital	ADJ
easat-1490	116	13	payment	payment	NOUN
easat-1490	116	14	ecosystem	ecosystem	NOUN
easat-1490	116	15	by	by	ADP
easat-1490	116	16	guaranteeing	guarantee	VERB
easat-1490	116	17	that	that	SCONJ
easat-1490	116	18	consumers	consumer	NOUN
easat-1490	116	19	not	not	PART
easat-1490	116	20	only	only	ADV
easat-1490	116	21	recognize	recognize	VERB
easat-1490	116	22	the	the	DET
easat-1490	116	23	importance	importance	NOUN
easat-1490	116	24	of	of	ADP
easat-1490	116	25	e	e	NOUN
easat-1490	116	26	-	-	NOUN
easat-1490	116	27	wallets	wallet	NOUN
easat-1490	116	28	but	but	CCONJ
easat-1490	116	29	also	also	ADV
easat-1490	116	30	have	have	VERB
easat-1490	116	31	a	a	DET
easat-1490	116	32	sense	sense	NOUN
easat-1490	116	33	of	of	ADP
easat-1490	116	34	trust	trust	NOUN
easat-1490	116	35	and	and	CCONJ
easat-1490	116	36	comfort	comfort	NOUN
easat-1490	116	37	in	in	ADP
easat-1490	116	38	using	use	VERB
easat-1490	116	39	them	they	PRON
easat-1490	116	40	.	.	PUNCT
easat-1490	117	1	perceived	perceive	VERB
easat-1490	117	2	ease	ease	NOUN
easat-1490	117	3	-	-	PUNCT
easat-1490	117	4	of	of	ADP
easat-1490	117	5	-	-	PUNCT
easat-1490	117	6	use	use	NOUN
easat-1490	117	7	of	of	ADP
easat-1490	117	8	technology	technology	NOUN
easat-1490	117	9	acceptance	acceptance	NOUN
easat-1490	117	10	model	model	NOUN
easat-1490	117	11	.	.	PUNCT
easat-1490	118	1	perceived	perceive	VERB
easat-1490	118	2	ease	ease	NOUN
easat-1490	118	3	of	of	ADP
easat-1490	118	4	use	use	NOUN
easat-1490	118	5	(	(	PUNCT
easat-1490	118	6	peou	peou	ADV
easat-1490	118	7	)	)	PUNCT
easat-1490	118	8	is	be	AUX
easat-1490	118	9	a	a	DET
easat-1490	118	10	crucial	crucial	ADJ
easat-1490	118	11	factor	factor	NOUN
easat-1490	118	12	in	in	ADP
easat-1490	118	13	technology	technology	NOUN
easat-1490	118	14	adoption	adoption	NOUN
easat-1490	118	15	,	,	PUNCT
easat-1490	118	16	which	which	PRON
easat-1490	118	17	refers	refer	VERB
easat-1490	118	18	to	to	ADP
easat-1490	118	19	an	an	DET
easat-1490	118	20	individual	individual	NOUN
easat-1490	118	21	's	's	PART
easat-1490	118	22	level	level	NOUN
easat-1490	118	23	of	of	ADP
easat-1490	118	24	confidence	confidence	NOUN
easat-1490	118	25	when	when	SCONJ
easat-1490	118	26	interacting	interact	VERB
easat-1490	118	27	with	with	ADP
easat-1490	118	28	technology	technology	NOUN
easat-1490	118	29	,	,	PUNCT
easat-1490	118	30	with	with	ADP
easat-1490	118	31	a	a	DET
easat-1490	118	32	focus	focus	NOUN
easat-1490	118	33	on	on	ADP
easat-1490	118	34	minimal	minimal	ADJ
easat-1490	118	35	effort	effort	NOUN
easat-1490	118	36	and	and	CCONJ
easat-1490	118	37	convenience	convenience	NOUN
easat-1490	118	38	.	.	PUNCT
easat-1490	119	1	according	accord	VERB
easat-1490	119	2	to	to	ADP
easat-1490	119	3	alsyouf	alsyouf	PROPN
easat-1490	119	4	1161	1161	NUM
easat-1490	119	5	edelweiss	edelweiss	PROPN
easat-1490	119	6	applied	apply	VERB
easat-1490	119	7	science	science	NOUN
easat-1490	119	8	and	and	CCONJ
easat-1490	119	9	technology	technology	NOUN
easat-1490	119	10	issn	issn	PROPN
easat-1490	119	11	:	:	PUNCT
easat-1490	119	12	2576	2576	NUM
easat-1490	119	13	-	-	SYM
easat-1490	119	14	8484	8484	NUM
easat-1490	119	15	vol	vol	NOUN
easat-1490	119	16	.	.	PROPN
easat-1490	119	17	8	8	NUM
easat-1490	119	18	,	,	PUNCT
easat-1490	119	19	no	no	INTJ
easat-1490	119	20	.	.	NOUN
easat-1490	119	21	4	4	NUM
easat-1490	119	22	:	:	SYM
easat-1490	119	23	1157	1157	NUM
easat-1490	119	24	-	-	SYM
easat-1490	119	25	1173	1173	NUM
easat-1490	119	26	,	,	PUNCT
easat-1490	119	27	2024	2024	NUM
easat-1490	119	28	doi	doi	NOUN
easat-1490	119	29	:	:	PUNCT
easat-1490	119	30	10.55214/25768484.v8i4.1490	10.55214/25768484.v8i4.1490	NUM
easat-1490	119	31	©	©	PROPN
easat-1490	119	32	2024	2024	NUM
easat-1490	119	33	by	by	ADP
easat-1490	119	34	the	the	DET
easat-1490	119	35	authors	author	NOUN
easat-1490	119	36	;	;	PUNCT
easat-1490	119	37	licensee	licensee	PROPN
easat-1490	119	38	learning	learning	NOUN
easat-1490	119	39	gate	gate	NOUN
easat-1490	119	40	(	(	PUNCT
easat-1490	119	41	2023	2023	NUM
easat-1490	119	42	)	)	PUNCT
easat-1490	119	43	,	,	PUNCT
easat-1490	119	44	peou	peou	ADV
easat-1490	119	45	refers	refer	VERB
easat-1490	119	46	to	to	ADP
easat-1490	119	47	the	the	DET
easat-1490	119	48	extent	extent	NOUN
easat-1490	119	49	to	to	PART
easat-1490	119	50	which	which	PRON
easat-1490	119	51	a	a	DET
easat-1490	119	52	person	person	NOUN
easat-1490	119	53	perceives	perceive	VERB
easat-1490	119	54	that	that	SCONJ
easat-1490	119	55	using	use	VERB
easat-1490	119	56	a	a	DET
easat-1490	119	57	particular	particular	ADJ
easat-1490	119	58	technology	technology	NOUN
easat-1490	119	59	will	will	AUX
easat-1490	119	60	be	be	AUX
easat-1490	119	61	relaxed	relax	VERB
easat-1490	119	62	and	and	CCONJ
easat-1490	119	63	require	require	VERB
easat-1490	119	64	little	little	ADJ
easat-1490	119	65	cognitive	cognitive	ADJ
easat-1490	119	66	or	or	CCONJ
easat-1490	119	67	physical	physical	ADJ
easat-1490	119	68	effort	effort	NOUN
easat-1490	119	69	.	.	PUNCT
easat-1490	120	1	researchers	researcher	NOUN
easat-1490	120	2	have	have	AUX
easat-1490	120	3	found	find	VERB
easat-1490	120	4	that	that	SCONJ
easat-1490	120	5	individuals	individual	NOUN
easat-1490	120	6	tend	tend	VERB
easat-1490	120	7	to	to	PART
easat-1490	120	8	feel	feel	VERB
easat-1490	120	9	more	more	ADV
easat-1490	120	10	confident	confident	ADJ
easat-1490	120	11	and	and	CCONJ
easat-1490	120	12	expect	expect	VERB
easat-1490	120	13	a	a	DET
easat-1490	120	14	technology	technology	NOUN
easat-1490	120	15	to	to	PART
easat-1490	120	16	be	be	AUX
easat-1490	120	17	less	less	ADV
easat-1490	120	18	challenging	challenging	ADJ
easat-1490	120	19	when	when	SCONJ
easat-1490	120	20	they	they	PRON
easat-1490	120	21	perceive	perceive	VERB
easat-1490	120	22	it	it	PRON
easat-1490	120	23	as	as	ADP
easat-1490	120	24	userfriendly	userfriendly	ADV
easat-1490	120	25	.	.	PUNCT
easat-1490	121	1	this	this	DET
easat-1490	121	2	perception	perception	NOUN
easat-1490	121	3	of	of	ADP
easat-1490	121	4	user	user	NOUN
easat-1490	121	5	-	-	PUNCT
easat-1490	121	6	friendliness	friendliness	NOUN
easat-1490	121	7	has	have	AUX
easat-1490	121	8	been	be	AUX
easat-1490	121	9	shown	show	VERB
easat-1490	121	10	to	to	PART
easat-1490	121	11	greatly	greatly	ADV
easat-1490	121	12	enhance	enhance	VERB
easat-1490	121	13	their	their	PRON
easat-1490	121	14	willingness	willingness	NOUN
easat-1490	121	15	to	to	PART
easat-1490	121	16	use	use	VERB
easat-1490	121	17	the	the	DET
easat-1490	121	18	technology	technology	NOUN
easat-1490	121	19	.	.	PUNCT
easat-1490	122	1	in	in	ADP
easat-1490	122	2	their	their	PRON
easat-1490	122	3	study	study	NOUN
easat-1490	122	4	,	,	PUNCT
easat-1490	122	5	berakon	berakon	PROPN
easat-1490	122	6	et	et	PROPN
easat-1490	122	7	al	al	PROPN
easat-1490	122	8	.	.	PROPN
easat-1490	122	9	(	(	PUNCT
easat-1490	122	10	2021	2021	NUM
easat-1490	122	11	)	)	PUNCT
easat-1490	122	12	investigate	investigate	VERB
easat-1490	122	13	the	the	DET
easat-1490	122	14	technology	technology	NOUN
easat-1490	122	15	acceptance	acceptance	NOUN
easat-1490	122	16	model	model	NOUN
easat-1490	122	17	(	(	PUNCT
easat-1490	122	18	tam	tam	PROPN
easat-1490	122	19	)	)	PUNCT
easat-1490	122	20	and	and	CCONJ
easat-1490	122	21	emphasize	emphasize	VERB
easat-1490	122	22	the	the	DET
easat-1490	122	23	importance	importance	NOUN
easat-1490	122	24	of	of	ADP
easat-1490	122	25	user	user	NOUN
easat-1490	122	26	-	-	PUNCT
easat-1490	122	27	friendly	friendly	ADJ
easat-1490	122	28	design	design	NOUN
easat-1490	122	29	in	in	ADP
easat-1490	122	30	shaping	shape	VERB
easat-1490	122	31	users	user	NOUN
easat-1490	122	32	'	'	PART
easat-1490	122	33	perceptions	perception	NOUN
easat-1490	122	34	of	of	ADP
easat-1490	122	35	the	the	DET
easat-1490	122	36	technology	technology	NOUN
easat-1490	122	37	's	's	PART
easat-1490	122	38	benefits	benefit	NOUN
easat-1490	122	39	.	.	PUNCT
easat-1490	123	1	according	accord	VERB
easat-1490	123	2	to	to	ADP
easat-1490	123	3	research	research	NOUN
easat-1490	123	4	,	,	PUNCT
easat-1490	123	5	individuals	individual	NOUN
easat-1490	123	6	'	'	PART
easat-1490	123	7	evaluations	evaluation	NOUN
easat-1490	123	8	of	of	ADP
easat-1490	123	9	the	the	DET
easat-1490	123	10	usefulness	usefulness	NOUN
easat-1490	123	11	of	of	ADP
easat-1490	123	12	technology	technology	NOUN
easat-1490	123	13	are	be	AUX
easat-1490	123	14	improved	improve	VERB
easat-1490	123	15	when	when	SCONJ
easat-1490	123	16	they	they	PRON
easat-1490	123	17	perceive	perceive	VERB
easat-1490	123	18	it	it	PRON
easat-1490	123	19	to	to	PART
easat-1490	123	20	be	be	AUX
easat-1490	123	21	easy	easy	ADJ
easat-1490	123	22	to	to	PART
easat-1490	123	23	use	use	VERB
easat-1490	123	24	and	and	CCONJ
easat-1490	123	25	navigate	navigate	VERB
easat-1490	123	26	.	.	PUNCT
easat-1490	124	1	a	a	DET
easat-1490	124	2	user	user	NOUN
easat-1490	124	3	-	-	PUNCT
easat-1490	124	4	friendly	friendly	ADJ
easat-1490	124	5	design	design	NOUN
easat-1490	124	6	not	not	PART
easat-1490	124	7	only	only	ADV
easat-1490	124	8	enhances	enhance	VERB
easat-1490	124	9	the	the	DET
easat-1490	124	10	accessibility	accessibility	NOUN
easat-1490	124	11	of	of	ADP
easat-1490	124	12	the	the	DET
easat-1490	124	13	technology	technology	NOUN
easat-1490	124	14	but	but	CCONJ
easat-1490	124	15	also	also	ADV
easat-1490	124	16	highlights	highlight	VERB
easat-1490	124	17	its	its	PRON
easat-1490	124	18	benefits	benefit	NOUN
easat-1490	124	19	,	,	PUNCT
easat-1490	124	20	thereby	thereby	ADV
easat-1490	124	21	creating	create	VERB
easat-1490	124	22	a	a	DET
easat-1490	124	23	favorable	favorable	ADJ
easat-1490	124	24	impression	impression	NOUN
easat-1490	124	25	that	that	PRON
easat-1490	124	26	motivates	motivate	VERB
easat-1490	124	27	users	user	NOUN
easat-1490	124	28	to	to	PART
easat-1490	124	29	recognize	recognize	VERB
easat-1490	124	30	and	and	CCONJ
easat-1490	124	31	value	value	VERB
easat-1490	124	32	the	the	DET
easat-1490	124	33	advantages	advantage	NOUN
easat-1490	124	34	of	of	ADP
easat-1490	124	35	using	use	VERB
easat-1490	124	36	the	the	DET
easat-1490	124	37	technology	technology	NOUN
easat-1490	124	38	.	.	PUNCT
easat-1490	125	1	the	the	DET
easat-1490	125	2	importance	importance	NOUN
easat-1490	125	3	of	of	ADP
easat-1490	125	4	perceived	perceive	VERB
easat-1490	125	5	ease	ease	NOUN
easat-1490	125	6	of	of	ADP
easat-1490	125	7	use	use	NOUN
easat-1490	125	8	(	(	PUNCT
easat-1490	125	9	peou	peou	ADV
easat-1490	125	10	)	)	PUNCT
easat-1490	125	11	in	in	ADP
easat-1490	125	12	influencing	influence	VERB
easat-1490	125	13	users	user	NOUN
easat-1490	125	14	'	'	PART
easat-1490	125	15	attitudes	attitude	NOUN
easat-1490	125	16	towards	towards	ADP
easat-1490	125	17	technology	technology	NOUN
easat-1490	125	18	adoption	adoption	NOUN
easat-1490	125	19	is	be	AUX
easat-1490	125	20	highlighted	highlight	VERB
easat-1490	125	21	in	in	ADP
easat-1490	125	22	both	both	DET
easat-1490	125	23	research	research	NOUN
easat-1490	125	24	studies	study	NOUN
easat-1490	125	25	.	.	PUNCT
easat-1490	126	1	research	research	NOUN
easat-1490	126	2	suggests	suggest	VERB
easat-1490	126	3	that	that	SCONJ
easat-1490	126	4	individuals	individual	NOUN
easat-1490	126	5	are	be	AUX
easat-1490	126	6	more	more	ADV
easat-1490	126	7	likely	likely	ADJ
easat-1490	126	8	to	to	PART
easat-1490	126	9	have	have	VERB
easat-1490	126	10	a	a	DET
easat-1490	126	11	positive	positive	ADJ
easat-1490	126	12	experience	experience	NOUN
easat-1490	126	13	with	with	ADP
easat-1490	126	14	a	a	DET
easat-1490	126	15	technology	technology	NOUN
easat-1490	126	16	that	that	PRON
easat-1490	126	17	is	be	AUX
easat-1490	126	18	designed	design	VERB
easat-1490	126	19	to	to	PART
easat-1490	126	20	be	be	AUX
easat-1490	126	21	user	user	NOUN
easat-1490	126	22	-	-	PUNCT
easat-1490	126	23	friendly	friendly	ADJ
easat-1490	126	24	.	.	PUNCT
easat-1490	127	1	this	this	PRON
easat-1490	127	2	is	be	AUX
easat-1490	127	3	because	because	SCONJ
easat-1490	127	4	a	a	DET
easat-1490	127	5	user	user	NOUN
easat-1490	127	6	-	-	PUNCT
easat-1490	127	7	friendly	friendly	ADJ
easat-1490	127	8	interface	interface	NOUN
easat-1490	127	9	reduces	reduce	VERB
easat-1490	127	10	the	the	DET
easat-1490	127	11	perceived	perceive	VERB
easat-1490	127	12	effort	effort	NOUN
easat-1490	127	13	required	require	VERB
easat-1490	127	14	to	to	PART
easat-1490	127	15	use	use	VERB
easat-1490	127	16	the	the	DET
easat-1490	127	17	technology	technology	NOUN
easat-1490	127	18	,	,	PUNCT
easat-1490	127	19	leading	lead	VERB
easat-1490	127	20	to	to	ADP
easat-1490	127	21	increased	increase	VERB
easat-1490	127	22	enjoyment	enjoyment	NOUN
easat-1490	127	23	.	.	PUNCT
easat-1490	128	1	this	this	DET
easat-1490	128	2	simplicity	simplicity	NOUN
easat-1490	128	3	not	not	PART
easat-1490	128	4	only	only	ADV
easat-1490	128	5	reduces	reduce	VERB
easat-1490	128	6	the	the	DET
easat-1490	128	7	barrier	barrier	NOUN
easat-1490	128	8	to	to	ADP
easat-1490	128	9	entry	entry	NOUN
easat-1490	128	10	but	but	CCONJ
easat-1490	128	11	also	also	ADV
easat-1490	128	12	improves	improve	VERB
easat-1490	128	13	users	user	NOUN
easat-1490	128	14	'	'	PART
easat-1490	128	15	perceptions	perception	NOUN
easat-1490	128	16	of	of	ADP
easat-1490	128	17	the	the	DET
easat-1490	128	18	technology	technology	NOUN
easat-1490	128	19	's	's	PART
easat-1490	128	20	benefits	benefit	NOUN
easat-1490	128	21	.	.	PUNCT
easat-1490	129	1	the	the	DET
easat-1490	129	2	acceptance	acceptance	NOUN
easat-1490	129	3	and	and	CCONJ
easat-1490	129	4	utilization	utilization	NOUN
easat-1490	129	5	rates	rate	NOUN
easat-1490	129	6	of	of	ADP
easat-1490	129	7	users	user	NOUN
easat-1490	129	8	tend	tend	VERB
easat-1490	129	9	to	to	PART
easat-1490	129	10	increase	increase	VERB
easat-1490	129	11	when	when	SCONJ
easat-1490	129	12	they	they	PRON
easat-1490	129	13	perceive	perceive	VERB
easat-1490	129	14	the	the	DET
easat-1490	129	15	technology	technology	NOUN
easat-1490	129	16	as	as	ADP
easat-1490	129	17	less	less	ADV
easat-1490	129	18	intimidating	intimidating	ADJ
easat-1490	129	19	and	and	CCONJ
easat-1490	129	20	more	more	ADV
easat-1490	129	21	advantageous	advantageous	ADJ
easat-1490	129	22	.	.	PUNCT
easat-1490	130	1	thus	thus	ADV
easat-1490	130	2	,	,	PUNCT
easat-1490	130	3	it	it	PRON
easat-1490	130	4	is	be	AUX
easat-1490	130	5	crucial	crucial	ADJ
easat-1490	130	6	for	for	SCONJ
easat-1490	130	7	researchers	researcher	NOUN
easat-1490	130	8	to	to	PART
easat-1490	130	9	prioritize	prioritize	VERB
easat-1490	130	10	the	the	DET
easat-1490	130	11	enhancement	enhancement	NOUN
easat-1490	130	12	of	of	ADP
easat-1490	130	13	perceived	perceive	VERB
easat-1490	130	14	ease	ease	NOUN
easat-1490	130	15	of	of	ADP
easat-1490	130	16	use	use	NOUN
easat-1490	130	17	(	(	PUNCT
easat-1490	130	18	peou	peou	ADV
easat-1490	130	19	)	)	PUNCT
easat-1490	130	20	by	by	ADP
easat-1490	130	21	emphasizing	emphasize	VERB
easat-1490	130	22	intuitive	intuitive	ADJ
easat-1490	130	23	design	design	NOUN
easat-1490	130	24	and	and	CCONJ
easat-1490	130	25	transparent	transparent	ADJ
easat-1490	130	26	functionality	functionality	NOUN
easat-1490	130	27	in	in	ADP
easat-1490	130	28	order	order	NOUN
easat-1490	130	29	to	to	PART
easat-1490	130	30	promote	promote	VERB
easat-1490	130	31	the	the	DET
easat-1490	130	32	adoption	adoption	NOUN
easat-1490	130	33	of	of	ADP
easat-1490	130	34	technology	technology	NOUN
easat-1490	130	35	.	.	PUNCT
easat-1490	131	1	ultimately	ultimately	ADV
easat-1490	131	2	,	,	PUNCT
easat-1490	131	3	users	user	NOUN
easat-1490	131	4	'	'	PART
easat-1490	131	5	attitudes	attitude	NOUN
easat-1490	131	6	and	and	CCONJ
easat-1490	131	7	behaviors	behavior	NOUN
easat-1490	131	8	towards	towards	ADP
easat-1490	131	9	technology	technology	NOUN
easat-1490	131	10	adoption	adoption	NOUN
easat-1490	131	11	are	be	AUX
easat-1490	131	12	greatly	greatly	ADV
easat-1490	131	13	impacted	impact	VERB
easat-1490	131	14	by	by	ADP
easat-1490	131	15	their	their	PRON
easat-1490	131	16	opinion	opinion	NOUN
easat-1490	131	17	of	of	ADP
easat-1490	131	18	its	its	PRON
easat-1490	131	19	ease	ease	NOUN
easat-1490	131	20	of	of	ADP
easat-1490	131	21	use	use	NOUN
easat-1490	131	22	.	.	PUNCT
easat-1490	132	1	developers	developer	NOUN
easat-1490	132	2	can	can	AUX
easat-1490	132	3	enhance	enhance	VERB
easat-1490	132	4	user	user	NOUN
easat-1490	132	5	confidence	confidence	NOUN
easat-1490	132	6	and	and	CCONJ
easat-1490	132	7	emphasize	emphasize	VERB
easat-1490	132	8	the	the	DET
easat-1490	132	9	advantages	advantage	NOUN
easat-1490	132	10	of	of	ADP
easat-1490	132	11	a	a	DET
easat-1490	132	12	technology	technology	NOUN
easat-1490	132	13	by	by	ADP
easat-1490	132	14	reducing	reduce	VERB
easat-1490	132	15	the	the	DET
easat-1490	132	16	effort	effort	NOUN
easat-1490	132	17	necessary	necessary	ADJ
easat-1490	132	18	to	to	PART
easat-1490	132	19	operate	operate	VERB
easat-1490	132	20	it	it	PRON
easat-1490	132	21	.	.	PUNCT
easat-1490	133	1	the	the	DET
easat-1490	133	2	findings	finding	NOUN
easat-1490	133	3	of	of	ADP
easat-1490	133	4	alsyouf	alsyouf	PROPN
easat-1490	133	5	(	(	PUNCT
easat-1490	133	6	2023	2023	NUM
easat-1490	133	7	)	)	PUNCT
easat-1490	133	8	and	and	CCONJ
easat-1490	133	9	aji	aji	PROPN
easat-1490	133	10	et	et	PROPN
easat-1490	133	11	al	al	PROPN
easat-1490	133	12	.	.	PROPN
easat-1490	133	13	(	(	PUNCT
easat-1490	133	14	2021	2021	NUM
easat-1490	133	15	)	)	PUNCT
easat-1490	133	16	demonstrate	demonstrate	VERB
easat-1490	133	17	that	that	SCONJ
easat-1490	133	18	the	the	DET
easat-1490	133	19	dual	dual	ADJ
easat-1490	133	20	impact	impact	NOUN
easat-1490	133	21	of	of	ADP
easat-1490	133	22	reducing	reduce	VERB
easat-1490	133	23	perceived	perceive	VERB
easat-1490	133	24	effort	effort	NOUN
easat-1490	133	25	and	and	CCONJ
easat-1490	133	26	enhancing	enhance	VERB
easat-1490	133	27	perceived	perceive	VERB
easat-1490	133	28	usefulness	usefulness	NOUN
easat-1490	133	29	results	result	NOUN
easat-1490	133	30	in	in	ADP
easat-1490	133	31	increased	increase	VERB
easat-1490	133	32	acceptance	acceptance	NOUN
easat-1490	133	33	and	and	CCONJ
easat-1490	133	34	utilization	utilization	NOUN
easat-1490	133	35	.	.	PUNCT
easat-1490	134	1	for	for	ADP
easat-1490	134	2	this	this	DET
easat-1490	134	3	reason	reason	NOUN
easat-1490	134	4	,	,	PUNCT
easat-1490	134	5	it	it	PRON
easat-1490	134	6	is	be	AUX
easat-1490	134	7	essential	essential	ADJ
easat-1490	134	8	to	to	PART
easat-1490	134	9	prioritize	prioritize	VERB
easat-1490	134	10	user	user	NOUN
easat-1490	134	11	-	-	PUNCT
easat-1490	134	12	friendly	friendly	ADJ
easat-1490	134	13	design	design	NOUN
easat-1490	134	14	and	and	CCONJ
easat-1490	134	15	convenience	convenience	NOUN
easat-1490	134	16	of	of	ADP
easat-1490	134	17	use	use	NOUN
easat-1490	134	18	in	in	ADP
easat-1490	134	19	order	order	NOUN
easat-1490	134	20	to	to	PART
easat-1490	134	21	ensure	ensure	VERB
easat-1490	134	22	the	the	DET
easat-1490	134	23	successful	successful	ADJ
easat-1490	134	24	adoption	adoption	NOUN
easat-1490	134	25	of	of	ADP
easat-1490	134	26	new	new	ADJ
easat-1490	134	27	technologies	technology	NOUN
easat-1490	134	28	.	.	PUNCT
easat-1490	135	1	perceived	perceive	VERB
easat-1490	135	2	usefulness	usefulness	NOUN
easat-1490	135	3	of	of	ADP
easat-1490	135	4	technology	technology	NOUN
easat-1490	135	5	acceptance	acceptance	NOUN
easat-1490	135	6	model	model	NOUN
easat-1490	135	7	.	.	PUNCT
easat-1490	136	1	perceived	perceive	VERB
easat-1490	136	2	utility	utility	NOUN
easat-1490	136	3	(	(	PUNCT
easat-1490	136	4	pu	pu	PROPN
easat-1490	136	5	)	)	PUNCT
easat-1490	136	6	,	,	PUNCT
easat-1490	136	7	as	as	SCONJ
easat-1490	136	8	described	describe	VERB
easat-1490	136	9	by	by	ADP
easat-1490	136	10	davis	davis	PROPN
easat-1490	136	11	and	and	CCONJ
easat-1490	136	12	venkatesh	venkatesh	PROPN
easat-1490	136	13	(	(	PUNCT
easat-1490	136	14	1996	1996	NUM
easat-1490	136	15	)	)	PUNCT
easat-1490	136	16	,	,	PUNCT
easat-1490	136	17	is	be	AUX
easat-1490	136	18	a	a	DET
easat-1490	136	19	critical	critical	ADJ
easat-1490	136	20	factor	factor	NOUN
easat-1490	136	21	in	in	ADP
easat-1490	136	22	the	the	DET
easat-1490	136	23	acceptance	acceptance	NOUN
easat-1490	136	24	and	and	CCONJ
easat-1490	136	25	implementation	implementation	NOUN
easat-1490	136	26	of	of	ADP
easat-1490	136	27	new	new	ADJ
easat-1490	136	28	technologies	technology	NOUN
easat-1490	136	29	.	.	PUNCT
easat-1490	137	1	technology	technology	NOUN
easat-1490	137	2	acceptance	acceptance	NOUN
easat-1490	137	3	is	be	AUX
easat-1490	137	4	the	the	DET
easat-1490	137	5	extent	extent	NOUN
easat-1490	137	6	to	to	PART
easat-1490	137	7	which	which	PRON
easat-1490	137	8	individuals	individual	NOUN
easat-1490	137	9	believe	believe	VERB
easat-1490	137	10	that	that	SCONJ
easat-1490	137	11	a	a	DET
easat-1490	137	12	specific	specific	ADJ
easat-1490	137	13	technology	technology	NOUN
easat-1490	137	14	will	will	AUX
easat-1490	137	15	improve	improve	VERB
easat-1490	137	16	their	their	PRON
easat-1490	137	17	job	job	NOUN
easat-1490	137	18	performance	performance	NOUN
easat-1490	137	19	.	.	PUNCT
easat-1490	138	1	people	people	NOUN
easat-1490	138	2	are	be	AUX
easat-1490	138	3	more	more	ADV
easat-1490	138	4	likely	likely	ADJ
easat-1490	138	5	to	to	PART
easat-1490	138	6	see	see	VERB
easat-1490	138	7	a	a	DET
easat-1490	138	8	technology	technology	NOUN
easat-1490	138	9	as	as	ADP
easat-1490	138	10	beneficial	beneficial	ADJ
easat-1490	138	11	when	when	SCONJ
easat-1490	138	12	they	they	PRON
easat-1490	138	13	believe	believe	VERB
easat-1490	138	14	it	it	PRON
easat-1490	138	15	can	can	AUX
easat-1490	138	16	greatly	greatly	ADV
easat-1490	138	17	enhance	enhance	VERB
easat-1490	138	18	their	their	PRON
easat-1490	138	19	productivity	productivity	NOUN
easat-1490	138	20	and	and	CCONJ
easat-1490	138	21	effectiveness	effectiveness	NOUN
easat-1490	138	22	in	in	ADP
easat-1490	138	23	their	their	PRON
easat-1490	138	24	professional	professional	ADJ
easat-1490	138	25	pursuits	pursuit	NOUN
easat-1490	138	26	.	.	PUNCT
easat-1490	139	1	the	the	DET
easat-1490	139	2	favorable	favorable	ADJ
easat-1490	139	3	perception	perception	NOUN
easat-1490	139	4	of	of	ADP
easat-1490	139	5	the	the	DET
easat-1490	139	6	technology	technology	NOUN
easat-1490	139	7	directly	directly	ADV
easat-1490	139	8	influences	influence	VERB
easat-1490	139	9	users	user	NOUN
easat-1490	139	10	'	'	PART
easat-1490	139	11	attitudes	attitude	NOUN
easat-1490	139	12	towards	towards	ADP
easat-1490	139	13	it	it	PRON
easat-1490	139	14	,	,	PUNCT
easat-1490	139	15	resulting	result	VERB
easat-1490	139	16	in	in	ADP
easat-1490	139	17	a	a	DET
easat-1490	139	18	greater	great	ADJ
easat-1490	139	19	inclination	inclination	NOUN
easat-1490	139	20	to	to	PART
easat-1490	139	21	embrace	embrace	VERB
easat-1490	139	22	and	and	CCONJ
easat-1490	139	23	utilize	utilize	VERB
easat-1490	139	24	it	it	PRON
easat-1490	139	25	for	for	ADP
easat-1490	139	26	work	work	NOUN
easat-1490	139	27	-	-	PUNCT
easat-1490	139	28	related	relate	VERB
easat-1490	139	29	purposes	purpose	NOUN
easat-1490	139	30	.	.	PUNCT
easat-1490	140	1	in	in	ADP
easat-1490	140	2	their	their	PRON
easat-1490	140	3	study	study	NOUN
easat-1490	140	4	,	,	PUNCT
easat-1490	140	5	soodan	soodan	PROPN
easat-1490	140	6	et	et	PROPN
easat-1490	140	7	al	al	PROPN
easat-1490	140	8	.	.	PROPN
easat-1490	141	1	(	(	PUNCT
easat-1490	141	2	2023	2023	NUM
easat-1490	141	3	)	)	PUNCT
easat-1490	141	4	provide	provide	VERB
easat-1490	141	5	further	further	ADJ
easat-1490	141	6	details	detail	NOUN
easat-1490	141	7	on	on	ADP
easat-1490	141	8	this	this	DET
easat-1490	141	9	concept	concept	NOUN
easat-1490	141	10	,	,	PUNCT
easat-1490	141	11	explaining	explain	VERB
easat-1490	141	12	that	that	SCONJ
easat-1490	141	13	pu	pu	PROPN
easat-1490	141	14	involves	involve	VERB
easat-1490	141	15	assessing	assess	VERB
easat-1490	141	16	the	the	DET
easat-1490	141	17	advantages	advantage	NOUN
easat-1490	141	18	that	that	SCONJ
easat-1490	141	19	a	a	DET
easat-1490	141	20	technology	technology	NOUN
easat-1490	141	21	offers	offer	VERB
easat-1490	141	22	in	in	ADP
easat-1490	141	23	facilitating	facilitate	VERB
easat-1490	141	24	the	the	DET
easat-1490	141	25	use	use	NOUN
easat-1490	141	26	of	of	ADP
easat-1490	141	27	desired	desire	VERB
easat-1490	141	28	services	service	NOUN
easat-1490	141	29	.	.	PUNCT
easat-1490	142	1	when	when	SCONJ
easat-1490	142	2	individuals	individual	NOUN
easat-1490	142	3	perceive	perceive	VERB
easat-1490	142	4	a	a	DET
easat-1490	142	5	technology	technology	NOUN
easat-1490	142	6	as	as	ADP
easat-1490	142	7	advantageous	advantageous	ADJ
easat-1490	142	8	,	,	PUNCT
easat-1490	142	9	they	they	PRON
easat-1490	142	10	anticipate	anticipate	VERB
easat-1490	142	11	that	that	SCONJ
easat-1490	142	12	it	it	PRON
easat-1490	142	13	will	will	AUX
easat-1490	142	14	enhance	enhance	VERB
easat-1490	142	15	efficiency	efficiency	NOUN
easat-1490	142	16	,	,	PUNCT
easat-1490	142	17	simplify	simplify	NOUN
easat-1490	142	18	tasks	task	NOUN
easat-1490	142	19	,	,	PUNCT
easat-1490	142	20	and	and	CCONJ
easat-1490	142	21	increase	increase	VERB
easat-1490	142	22	accessibility	accessibility	NOUN
easat-1490	142	23	in	in	ADP
easat-1490	142	24	accordance	accordance	NOUN
easat-1490	142	25	with	with	ADP
easat-1490	142	26	their	their	PRON
easat-1490	142	27	unique	unique	ADJ
easat-1490	142	28	preferences	preference	NOUN
easat-1490	142	29	and	and	CCONJ
easat-1490	142	30	requirements	requirement	NOUN
easat-1490	142	31	.	.	PUNCT
easat-1490	143	1	this	this	DET
easat-1490	143	2	evaluation	evaluation	NOUN
easat-1490	143	3	is	be	AUX
easat-1490	143	4	crucial	crucial	ADJ
easat-1490	143	5	as	as	SCONJ
easat-1490	143	6	it	it	PRON
easat-1490	143	7	guarantees	guarantee	VERB
easat-1490	143	8	that	that	SCONJ
easat-1490	143	9	the	the	DET
easat-1490	143	10	capabilities	capability	NOUN
easat-1490	143	11	of	of	ADP
easat-1490	143	12	the	the	DET
easat-1490	143	13	technology	technology	NOUN
easat-1490	143	14	align	align	VERB
easat-1490	143	15	with	with	ADP
easat-1490	143	16	the	the	DET
easat-1490	143	17	expectations	expectation	NOUN
easat-1490	143	18	of	of	ADP
easat-1490	143	19	the	the	DET
easat-1490	143	20	users	user	NOUN
easat-1490	143	21	,	,	PUNCT
easat-1490	143	22	thereby	thereby	ADV
easat-1490	143	23	enhancing	enhance	VERB
easat-1490	143	24	the	the	DET
easat-1490	143	25	perceived	perceive	VERB
easat-1490	143	26	value	value	NOUN
easat-1490	143	27	and	and	CCONJ
easat-1490	143	28	usefulness	usefulness	NOUN
easat-1490	143	29	of	of	ADP
easat-1490	143	30	the	the	DET
easat-1490	143	31	technology	technology	NOUN
easat-1490	143	32	.	.	PUNCT
easat-1490	144	1	anugerah	anugerah	PROPN
easat-1490	144	2	and	and	CCONJ
easat-1490	144	3	indriani	indriani	PROPN
easat-1490	144	4	(	(	PUNCT
easat-1490	144	5	2018	2018	NUM
easat-1490	144	6	)	)	PUNCT
easat-1490	144	7	further	far	ADV
easat-1490	144	8	emphasize	emphasize	VERB
easat-1490	144	9	that	that	SCONJ
easat-1490	144	10	the	the	DET
easat-1490	144	11	advantages	advantage	NOUN
easat-1490	144	12	of	of	ADP
easat-1490	144	13	technology	technology	NOUN
easat-1490	144	14	are	be	AUX
easat-1490	144	15	closely	closely	ADV
easat-1490	144	16	tied	tie	VERB
easat-1490	144	17	to	to	ADP
easat-1490	144	18	factors	factor	NOUN
easat-1490	144	19	such	such	ADJ
easat-1490	144	20	as	as	ADP
easat-1490	144	21	productivity	productivity	NOUN
easat-1490	144	22	,	,	PUNCT
easat-1490	144	23	efficiency	efficiency	NOUN
easat-1490	144	24	,	,	PUNCT
easat-1490	144	25	task	task	NOUN
easat-1490	144	26	completion	completion	NOUN
easat-1490	144	27	,	,	PUNCT
easat-1490	144	28	work	work	NOUN
easat-1490	144	29	requirements	requirement	NOUN
easat-1490	144	30	,	,	PUNCT
easat-1490	144	31	and	and	CCONJ
easat-1490	144	32	overall	overall	ADJ
easat-1490	144	33	benefits	benefit	NOUN
easat-1490	144	34	.	.	PUNCT
easat-1490	145	1	research	research	NOUN
easat-1490	145	2	indicates	indicate	VERB
easat-1490	145	3	that	that	SCONJ
easat-1490	145	4	a	a	DET
easat-1490	145	5	technology	technology	NOUN
easat-1490	145	6	is	be	AUX
easat-1490	145	7	deemed	deem	VERB
easat-1490	145	8	useful	useful	ADJ
easat-1490	145	9	when	when	SCONJ
easat-1490	145	10	it	it	PRON
easat-1490	145	11	enhances	enhance	VERB
easat-1490	145	12	productivity	productivity	NOUN
easat-1490	145	13	by	by	ADP
easat-1490	145	14	enabling	enable	VERB
easat-1490	145	15	tasks	task	NOUN
easat-1490	145	16	to	to	PART
easat-1490	145	17	be	be	AUX
easat-1490	145	18	executed	execute	VERB
easat-1490	145	19	with	with	ADP
easat-1490	145	20	greater	great	ADJ
easat-1490	145	21	efficiency	efficiency	NOUN
easat-1490	145	22	and	and	CCONJ
easat-1490	145	23	precision	precision	NOUN
easat-1490	145	24	.	.	PUNCT
easat-1490	146	1	it	it	PRON
easat-1490	146	2	should	should	AUX
easat-1490	146	3	also	also	ADV
easat-1490	146	4	align	align	VERB
easat-1490	146	5	with	with	ADP
easat-1490	146	6	the	the	DET
easat-1490	146	7	specific	specific	ADJ
easat-1490	146	8	needs	need	NOUN
easat-1490	146	9	of	of	ADP
easat-1490	146	10	the	the	DET
easat-1490	146	11	workplace	workplace	NOUN
easat-1490	146	12	by	by	ADP
easat-1490	146	13	offering	offer	VERB
easat-1490	146	14	relevant	relevant	ADJ
easat-1490	146	15	features	feature	NOUN
easat-1490	146	16	.	.	PUNCT
easat-1490	147	1	additionally	additionally	ADV
easat-1490	147	2	,	,	PUNCT
easat-1490	147	3	it	it	PRON
easat-1490	147	4	should	should	AUX
easat-1490	147	5	provide	provide	VERB
easat-1490	147	6	overall	overall	ADJ
easat-1490	147	7	benefits	benefit	NOUN
easat-1490	147	8	such	such	ADJ
easat-1490	147	9	as	as	ADP
easat-1490	147	10	cost	cost	NOUN
easat-1490	147	11	savings	saving	NOUN
easat-1490	147	12	and	and	CCONJ
easat-1490	147	13	improved	improved	ADJ
easat-1490	147	14	performance	performance	NOUN
easat-1490	147	15	.	.	PUNCT
easat-1490	148	1	this	this	DET
easat-1490	148	2	comprehensive	comprehensive	ADJ
easat-1490	148	3	perspective	perspective	NOUN
easat-1490	148	4	on	on	ADP
easat-1490	148	5	usefulness	usefulness	ADJ
easat-1490	148	6	highlights	highlight	NOUN
easat-1490	148	7	the	the	DET
easat-1490	148	8	multifaceted	multifaceted	ADJ
easat-1490	148	9	nature	nature	NOUN
easat-1490	148	10	of	of	ADP
easat-1490	148	11	pu	pu	PROPN
easat-1490	148	12	and	and	CCONJ
easat-1490	148	13	its	its	PRON
easat-1490	148	14	significant	significant	ADJ
easat-1490	148	15	impact	impact	NOUN
easat-1490	148	16	on	on	ADP
easat-1490	148	17	technology	technology	NOUN
easat-1490	148	18	adoption	adoption	NOUN
easat-1490	148	19	.	.	PUNCT
easat-1490	149	1	moreover	moreover	ADV
easat-1490	149	2	,	,	PUNCT
easat-1490	149	3	ariff	ariff	PROPN
easat-1490	149	4	et	et	PROPN
easat-1490	149	5	al	al	PROPN
easat-1490	149	6	.	.	PROPN
easat-1490	150	1	(	(	PUNCT
easat-1490	150	2	2014	2014	NUM
easat-1490	150	3	)	)	PUNCT
easat-1490	150	4	highlight	highlight	VERB
easat-1490	150	5	the	the	DET
easat-1490	150	6	connection	connection	NOUN
easat-1490	150	7	among	among	ADP
easat-1490	150	8	the	the	DET
easat-1490	150	9	perception	perception	NOUN
easat-1490	150	10	of	of	ADP
easat-1490	150	11	helpfulness	helpfulness	NOUN
easat-1490	150	12	and	and	CCONJ
easat-1490	150	13	the	the	DET
easat-1490	150	14	probability	probability	NOUN
easat-1490	150	15	of	of	ADP
easat-1490	150	16	adopting	adopt	VERB
easat-1490	150	17	e	e	NOUN
easat-1490	150	18	-	-	NOUN
easat-1490	150	19	payment	payment	NOUN
easat-1490	150	20	systems	system	NOUN
easat-1490	150	21	.	.	PUNCT
easat-1490	151	1	according	accord	VERB
easat-1490	151	2	to	to	ADP
easat-1490	151	3	the	the	DET
easat-1490	151	4	research	research	NOUN
easat-1490	151	5	,	,	PUNCT
easat-1490	151	6	people	people	NOUN
easat-1490	151	7	are	be	AUX
easat-1490	151	8	more	more	ADV
easat-1490	151	9	inclined	inclined	ADJ
easat-1490	151	10	to	to	PART
easat-1490	151	11	utilize	utilize	VERB
easat-1490	151	12	e	e	NOUN
easat-1490	151	13	-	-	NOUN
easat-1490	151	14	payment	payment	ADJ
easat-1490	151	15	services	service	NOUN
easat-1490	151	16	when	when	SCONJ
easat-1490	151	17	they	they	PRON
easat-1490	151	18	believe	believe	VERB
easat-1490	151	19	them	they	PRON
easat-1490	151	20	to	to	PART
easat-1490	151	21	be	be	AUX
easat-1490	151	22	advantageous	advantageous	ADJ
easat-1490	151	23	.	.	PUNCT
easat-1490	152	1	based	base	VERB
easat-1490	152	2	on	on	ADP
easat-1490	152	3	our	our	PRON
easat-1490	152	4	research	research	NOUN
easat-1490	152	5	,	,	PUNCT
easat-1490	152	6	it	it	PRON
easat-1490	152	7	can	can	AUX
easat-1490	152	8	be	be	AUX
easat-1490	152	9	deduced	deduce	VERB
easat-1490	152	10	that	that	SCONJ
easat-1490	152	11	the	the	DET
easat-1490	152	12	adoption	adoption	NOUN
easat-1490	152	13	of	of	ADP
easat-1490	152	14	digital	digital	ADJ
easat-1490	152	15	payment	payment	NOUN
easat-1490	152	16	methods	method	NOUN
easat-1490	152	17	is	be	AUX
easat-1490	152	18	significantly	significantly	ADV
easat-1490	152	19	influenced	influence	VERB
easat-1490	152	20	by	by	ADP
easat-1490	152	21	the	the	DET
easat-1490	152	22	perceived	perceive	VERB
easat-1490	152	23	practical	practical	ADJ
easat-1490	152	24	benefits	benefit	NOUN
easat-1490	152	25	,	,	PUNCT
easat-1490	152	26	such	such	ADJ
easat-1490	152	27	as	as	ADP
easat-1490	152	28	convenience	convenience	NOUN
easat-1490	152	29	,	,	PUNCT
easat-1490	152	30	security	security	NOUN
easat-1490	152	31	,	,	PUNCT
easat-1490	152	32	and	and	CCONJ
easat-1490	152	33	speed	speed	NOUN
easat-1490	152	34	.	.	PUNCT
easat-1490	153	1	the	the	DET
easat-1490	153	2	users	user	NOUN
easat-1490	153	3	'	'	PART
easat-1490	153	4	inclination	inclination	NOUN
easat-1490	153	5	to	to	PART
easat-1490	153	6	embrace	embrace	VERB
easat-1490	153	7	e	e	NOUN
easat-1490	153	8	-	-	NOUN
easat-1490	153	9	payment	payment	ADJ
easat-1490	153	10	1162	1162	NUM
easat-1490	153	11	edelweiss	edelweiss	PROPN
easat-1490	153	12	applied	apply	VERB
easat-1490	153	13	science	science	NOUN
easat-1490	153	14	and	and	CCONJ
easat-1490	153	15	technology	technology	NOUN
easat-1490	153	16	issn	issn	PROPN
easat-1490	153	17	:	:	PUNCT
easat-1490	153	18	2576	2576	NUM
easat-1490	153	19	-	-	SYM
easat-1490	153	20	8484	8484	NUM
easat-1490	153	21	vol	vol	NOUN
easat-1490	153	22	.	.	PROPN
easat-1490	153	23	8	8	NUM
easat-1490	153	24	,	,	PUNCT
easat-1490	153	25	no	no	INTJ
easat-1490	153	26	.	.	NOUN
easat-1490	153	27	4	4	NUM
easat-1490	153	28	:	:	SYM
easat-1490	153	29	1157	1157	NUM
easat-1490	153	30	-	-	SYM
easat-1490	153	31	1173	1173	NUM
easat-1490	153	32	,	,	PUNCT
easat-1490	153	33	2024	2024	NUM
easat-1490	153	34	doi	doi	NOUN
easat-1490	153	35	:	:	PUNCT
easat-1490	153	36	10.55214/25768484.v8i4.1490	10.55214/25768484.v8i4.1490	NUM
easat-1490	153	37	©	©	PROPN
easat-1490	153	38	2024	2024	NUM
easat-1490	153	39	by	by	ADP
easat-1490	153	40	the	the	DET
easat-1490	153	41	authors	author	NOUN
easat-1490	153	42	;	;	PUNCT
easat-1490	153	43	licensee	licensee	PROPN
easat-1490	153	44	learning	learn	VERB
easat-1490	153	45	gate	gate	PROPN
easat-1490	153	46	services	service	NOUN
easat-1490	153	47	is	be	AUX
easat-1490	153	48	significantly	significantly	ADV
easat-1490	153	49	increased	increase	VERB
easat-1490	153	50	when	when	SCONJ
easat-1490	153	51	they	they	PRON
easat-1490	153	52	are	be	AUX
easat-1490	153	53	persuaded	persuade	VERB
easat-1490	153	54	that	that	SCONJ
easat-1490	153	55	these	these	DET
easat-1490	153	56	services	service	NOUN
easat-1490	153	57	would	would	AUX
easat-1490	153	58	fulfill	fulfill	VERB
easat-1490	153	59	their	their	PRON
easat-1490	153	60	needs	need	NOUN
easat-1490	153	61	and	and	CCONJ
easat-1490	153	62	provide	provide	VERB
easat-1490	153	63	concrete	concrete	ADJ
easat-1490	153	64	advantages	advantage	NOUN
easat-1490	153	65	.	.	PUNCT
easat-1490	154	1	users	user	NOUN
easat-1490	154	2	'	'	PART
easat-1490	154	3	views	view	NOUN
easat-1490	154	4	towards	towards	ADP
easat-1490	154	5	technology	technology	NOUN
easat-1490	154	6	adoption	adoption	NOUN
easat-1490	154	7	are	be	AUX
easat-1490	154	8	heavily	heavily	ADV
easat-1490	154	9	influenced	influence	VERB
easat-1490	154	10	by	by	ADP
easat-1490	154	11	their	their	PRON
easat-1490	154	12	impression	impression	NOUN
easat-1490	154	13	of	of	ADP
easat-1490	154	14	its	its	PRON
easat-1490	154	15	usefulness	usefulness	NOUN
easat-1490	154	16	.	.	PUNCT
easat-1490	155	1	studies	study	NOUN
easat-1490	155	2	indicate	indicate	VERB
easat-1490	155	3	that	that	SCONJ
easat-1490	155	4	people	people	NOUN
easat-1490	155	5	are	be	AUX
easat-1490	155	6	more	more	ADV
easat-1490	155	7	inclined	inclined	ADJ
easat-1490	155	8	to	to	PART
easat-1490	155	9	embrace	embrace	VERB
easat-1490	155	10	and	and	CCONJ
easat-1490	155	11	utilize	utilize	VERB
easat-1490	155	12	a	a	DET
easat-1490	155	13	technology	technology	NOUN
easat-1490	155	14	when	when	SCONJ
easat-1490	155	15	they	they	PRON
easat-1490	155	16	are	be	AUX
easat-1490	155	17	persuaded	persuade	VERB
easat-1490	155	18	that	that	SCONJ
easat-1490	155	19	it	it	PRON
easat-1490	155	20	can	can	AUX
easat-1490	155	21	enhance	enhance	VERB
easat-1490	155	22	their	their	PRON
easat-1490	155	23	performance	performance	NOUN
easat-1490	155	24	and	and	CCONJ
easat-1490	155	25	provide	provide	VERB
easat-1490	155	26	substantial	substantial	ADJ
easat-1490	155	27	benefits	benefit	NOUN
easat-1490	155	28	.	.	PUNCT
easat-1490	156	1	the	the	DET
easat-1490	156	2	factors	factor	NOUN
easat-1490	156	3	that	that	PRON
easat-1490	156	4	contribute	contribute	VERB
easat-1490	156	5	to	to	ADP
easat-1490	156	6	this	this	DET
easat-1490	156	7	favorable	favorable	ADJ
easat-1490	156	8	perception	perception	NOUN
easat-1490	156	9	are	be	AUX
easat-1490	156	10	the	the	DET
easat-1490	156	11	technology	technology	NOUN
easat-1490	156	12	's	's	PART
easat-1490	156	13	capacity	capacity	NOUN
easat-1490	156	14	to	to	PART
easat-1490	156	15	enhance	enhance	VERB
easat-1490	156	16	productivity	productivity	NOUN
easat-1490	156	17	,	,	PUNCT
easat-1490	156	18	efficiency	efficiency	NOUN
easat-1490	156	19	,	,	PUNCT
easat-1490	156	20	and	and	CCONJ
easat-1490	156	21	task	task	NOUN
easat-1490	156	22	completion	completion	NOUN
easat-1490	156	23	,	,	PUNCT
easat-1490	156	24	as	as	ADV
easat-1490	156	25	well	well	ADV
easat-1490	156	26	as	as	ADP
easat-1490	156	27	its	its	PRON
easat-1490	156	28	compatibility	compatibility	NOUN
easat-1490	156	29	with	with	ADP
easat-1490	156	30	the	the	DET
easat-1490	156	31	work	work	NOUN
easat-1490	156	32	requirements	requirement	NOUN
easat-1490	156	33	and	and	CCONJ
easat-1490	156	34	overall	overall	ADJ
easat-1490	156	35	needs	need	NOUN
easat-1490	156	36	of	of	ADP
easat-1490	156	37	users	user	NOUN
easat-1490	156	38	.	.	PUNCT
easat-1490	157	1	therefore	therefore	ADV
easat-1490	157	2	,	,	PUNCT
easat-1490	157	3	it	it	PRON
easat-1490	157	4	is	be	AUX
easat-1490	157	5	crucial	crucial	ADJ
easat-1490	157	6	to	to	PART
easat-1490	157	7	ensure	ensure	VERB
easat-1490	157	8	that	that	SCONJ
easat-1490	157	9	users	user	NOUN
easat-1490	157	10	perceive	perceive	VERB
easat-1490	157	11	a	a	DET
easat-1490	157	12	technology	technology	NOUN
easat-1490	157	13	as	as	ADP
easat-1490	157	14	advantageous	advantageous	ADJ
easat-1490	157	15	in	in	ADP
easat-1490	157	16	order	order	NOUN
easat-1490	157	17	to	to	PART
easat-1490	157	18	facilitate	facilitate	VERB
easat-1490	157	19	its	its	PRON
easat-1490	157	20	adoption	adoption	NOUN
easat-1490	157	21	and	and	CCONJ
easat-1490	157	22	integration	integration	NOUN
easat-1490	157	23	into	into	ADP
easat-1490	157	24	their	their	PRON
easat-1490	157	25	daily	daily	ADJ
easat-1490	157	26	lives	life	NOUN
easat-1490	157	27	.	.	PUNCT
easat-1490	158	1	synthesis	synthesis	NOUN
easat-1490	158	2	.	.	PUNCT
easat-1490	159	1	the	the	DET
easat-1490	159	2	literature	literature	NOUN
easat-1490	159	3	explored	explore	VERB
easat-1490	159	4	above	above	ADP
easat-1490	159	5	offers	offer	VERB
easat-1490	159	6	valuable	valuable	ADJ
easat-1490	159	7	insights	insight	NOUN
easat-1490	159	8	into	into	ADP
easat-1490	159	9	the	the	DET
easat-1490	159	10	use	use	NOUN
easat-1490	159	11	of	of	ADP
easat-1490	159	12	e	e	NOUN
easat-1490	159	13	-	-	NOUN
easat-1490	159	14	wallets	wallet	NOUN
easat-1490	159	15	and	and	CCONJ
easat-1490	159	16	consumer	consumer	NOUN
easat-1490	159	17	perspectives	perspective	NOUN
easat-1490	159	18	.	.	PUNCT
easat-1490	160	1	studying	study	VERB
easat-1490	160	2	consumer	consumer	NOUN
easat-1490	160	3	attitude	attitude	NOUN
easat-1490	160	4	involves	involve	VERB
easat-1490	160	5	exploring	explore	VERB
easat-1490	160	6	how	how	SCONJ
easat-1490	160	7	people	people	NOUN
easat-1490	160	8	make	make	VERB
easat-1490	160	9	choices	choice	NOUN
easat-1490	160	10	,	,	PUNCT
easat-1490	160	11	interact	interact	VERB
easat-1490	160	12	with	with	ADP
easat-1490	160	13	goods	good	NOUN
easat-1490	160	14	or	or	CCONJ
easat-1490	160	15	services	service	NOUN
easat-1490	160	16	,	,	PUNCT
easat-1490	160	17	and	and	CCONJ
easat-1490	160	18	react	react	VERB
easat-1490	160	19	to	to	ADP
easat-1490	160	20	marketing	marketing	NOUN
easat-1490	160	21	campaigns	campaign	NOUN
easat-1490	160	22	.	.	PUNCT
easat-1490	161	1	in	in	ADP
easat-1490	161	2	the	the	DET
easat-1490	161	3	world	world	NOUN
easat-1490	161	4	of	of	ADP
easat-1490	161	5	electronic	electronic	ADJ
easat-1490	161	6	wallets	wallet	NOUN
easat-1490	161	7	,	,	PUNCT
easat-1490	161	8	grasping	grasp	VERB
easat-1490	161	9	consumer	consumer	NOUN
easat-1490	161	10	attitudes	attitude	NOUN
easat-1490	161	11	is	be	AUX
easat-1490	161	12	crucial	crucial	ADJ
easat-1490	161	13	for	for	ADP
easat-1490	161	14	a	a	DET
easat-1490	161	15	multitude	multitude	NOUN
easat-1490	161	16	of	of	ADP
easat-1490	161	17	reasons	reason	NOUN
easat-1490	161	18	.	.	PUNCT
easat-1490	162	1	it	it	PRON
easat-1490	162	2	helps	help	VERB
easat-1490	162	3	improve	improve	VERB
easat-1490	162	4	e	e	NOUN
easat-1490	162	5	-	-	NOUN
easat-1490	162	6	wallets	wallet	NOUN
easat-1490	162	7	to	to	PART
easat-1490	162	8	better	well	ADJ
easat-1490	162	9	cater	cater	VERB
easat-1490	162	10	to	to	ADP
easat-1490	162	11	users	user	NOUN
easat-1490	162	12	,	,	PUNCT
easat-1490	162	13	ensures	ensure	VERB
easat-1490	162	14	their	their	PRON
easat-1490	162	15	safety	safety	NOUN
easat-1490	162	16	,	,	PUNCT
easat-1490	162	17	fine	fine	ADJ
easat-1490	162	18	-	-	PUNCT
easat-1490	162	19	tunes	tune	NOUN
easat-1490	162	20	advertising	advertising	NOUN
easat-1490	162	21	approaches	approach	NOUN
easat-1490	162	22	,	,	PUNCT
easat-1490	162	23	encourages	encourage	VERB
easat-1490	162	24	creativity	creativity	NOUN
easat-1490	162	25	,	,	PUNCT
easat-1490	162	26	and	and	CCONJ
easat-1490	162	27	helps	help	VERB
easat-1490	162	28	businesses	business	NOUN
easat-1490	162	29	stay	stay	VERB
easat-1490	162	30	ahead	ahead	ADV
easat-1490	162	31	in	in	ADP
easat-1490	162	32	the	the	DET
easat-1490	162	33	digital	digital	ADJ
easat-1490	162	34	payment	payment	NOUN
easat-1490	162	35	field	field	NOUN
easat-1490	162	36	.	.	PUNCT
easat-1490	163	1	consumer	consumer	NOUN
easat-1490	163	2	attitude	attitude	NOUN
easat-1490	163	3	is	be	AUX
easat-1490	163	4	crucial	crucial	ADJ
easat-1490	163	5	in	in	ADP
easat-1490	163	6	a	a	DET
easat-1490	163	7	study	study	NOUN
easat-1490	163	8	that	that	PRON
easat-1490	163	9	delves	delve	VERB
easat-1490	163	10	into	into	ADP
easat-1490	163	11	“	"	PUNCT
easat-1490	163	12	examining	examine	VERB
easat-1490	163	13	consumers	consumer	NOUN
easat-1490	163	14	attitude	attitude	NOUN
easat-1490	163	15	towards	towards	ADP
easat-1490	163	16	ewallet	ewallet	ADJ
easat-1490	163	17	utilization	utilization	NOUN
easat-1490	163	18	as	as	ADP
easat-1490	163	19	a	a	DET
easat-1490	163	20	payment	payment	NOUN
easat-1490	163	21	method	method	NOUN
easat-1490	163	22	using	use	VERB
easat-1490	163	23	technology	technology	NOUN
easat-1490	163	24	acceptance	acceptance	NOUN
easat-1490	163	25	model	model	NOUN
easat-1490	163	26	:	:	PUNCT
easat-1490	163	27	a	a	DET
easat-1490	163	28	perspective	perspective	NOUN
easat-1490	163	29	from	from	ADP
easat-1490	163	30	young	young	ADJ
easat-1490	163	31	generations	generation	NOUN
easat-1490	163	32	in	in	ADP
easat-1490	163	33	nueva	nueva	PROPN
easat-1490	163	34	ecija	ecija	PROPN
easat-1490	163	35	,	,	PUNCT
easat-1490	163	36	philippines	philippine	NOUN
easat-1490	163	37	”	"	PUNCT
easat-1490	163	38	.	.	PUNCT
easat-1490	164	1	it	it	PRON
easat-1490	164	2	is	be	AUX
easat-1490	164	3	crucial	crucial	ADJ
easat-1490	164	4	for	for	SCONJ
easat-1490	164	5	businesses	business	NOUN
easat-1490	164	6	and	and	CCONJ
easat-1490	164	7	institutions	institution	NOUN
easat-1490	164	8	to	to	PART
easat-1490	164	9	comprehend	comprehend	VERB
easat-1490	164	10	consumer	consumer	NOUN
easat-1490	164	11	perceptions	perception	NOUN
easat-1490	164	12	regarding	regard	VERB
easat-1490	164	13	e	e	NOUN
easat-1490	164	14	-	-	NOUN
easat-1490	164	15	wallets	wallet	NOUN
easat-1490	164	16	.	.	PUNCT
easat-1490	165	1	it	it	PRON
easat-1490	165	2	enables	enable	VERB
easat-1490	165	3	them	they	PRON
easat-1490	165	4	to	to	PART
easat-1490	165	5	customize	customize	VERB
easat-1490	165	6	their	their	PRON
easat-1490	165	7	services	service	NOUN
easat-1490	165	8	based	base	VERB
easat-1490	165	9	on	on	ADP
easat-1490	165	10	user	user	NOUN
easat-1490	165	11	expectations	expectation	NOUN
easat-1490	165	12	,	,	PUNCT
easat-1490	165	13	build	build	VERB
easat-1490	165	14	trust	trust	NOUN
easat-1490	165	15	,	,	PUNCT
easat-1490	165	16	improve	improve	VERB
easat-1490	165	17	marketing	marketing	NOUN
easat-1490	165	18	efficiency	efficiency	NOUN
easat-1490	165	19	,	,	PUNCT
easat-1490	165	20	enhance	enhance	VERB
easat-1490	165	21	user	user	NOUN
easat-1490	165	22	experiences	experience	NOUN
easat-1490	165	23	,	,	PUNCT
easat-1490	165	24	and	and	CCONJ
easat-1490	165	25	stay	stay	VERB
easat-1490	165	26	competitive	competitive	ADJ
easat-1490	165	27	in	in	ADP
easat-1490	165	28	the	the	DET
easat-1490	165	29	rapidly	rapidly	ADV
easat-1490	165	30	changing	change	VERB
easat-1490	165	31	digital	digital	ADJ
easat-1490	165	32	payments	payment	NOUN
easat-1490	165	33	industry	industry	NOUN
easat-1490	165	34	.	.	PUNCT
easat-1490	166	1	the	the	DET
easat-1490	166	2	technology	technology	NOUN
easat-1490	166	3	acceptance	acceptance	NOUN
easat-1490	166	4	model	model	NOUN
easat-1490	166	5	(	(	PUNCT
easat-1490	166	6	tam	tam	PROPN
easat-1490	166	7	)	)	PUNCT
easat-1490	166	8	is	be	AUX
easat-1490	166	9	a	a	DET
easat-1490	166	10	valuable	valuable	ADJ
easat-1490	166	11	tool	tool	NOUN
easat-1490	166	12	for	for	ADP
easat-1490	166	13	understanding	understand	VERB
easat-1490	166	14	how	how	SCONJ
easat-1490	166	15	consumers	consumer	NOUN
easat-1490	166	16	embrace	embrace	VERB
easat-1490	166	17	and	and	CCONJ
easat-1490	166	18	use	use	VERB
easat-1490	166	19	technology	technology	NOUN
easat-1490	166	20	,	,	PUNCT
easat-1490	166	21	especially	especially	ADV
easat-1490	166	22	e	e	NOUN
easat-1490	166	23	-	-	NOUN
easat-1490	166	24	wallets	wallet	NOUN
easat-1490	166	25	.	.	PUNCT
easat-1490	167	1	using	use	VERB
easat-1490	167	2	tam	tam	PROPN
easat-1490	167	3	to	to	PART
easat-1490	167	4	analyze	analyze	VERB
easat-1490	167	5	e	e	NOUN
easat-1490	167	6	-	-	NOUN
easat-1490	167	7	wallet	wallet	NOUN
easat-1490	167	8	adoption	adoption	NOUN
easat-1490	167	9	and	and	CCONJ
easat-1490	167	10	usage	usage	NOUN
easat-1490	167	11	allows	allow	VERB
easat-1490	167	12	researchers	researcher	NOUN
easat-1490	167	13	to	to	PART
easat-1490	167	14	pinpoint	pinpoint	VERB
easat-1490	167	15	important	important	ADJ
easat-1490	167	16	factors	factor	NOUN
easat-1490	167	17	that	that	PRON
easat-1490	167	18	impact	impact	VERB
easat-1490	167	19	consumers	consumer	NOUN
easat-1490	167	20	'	'	PART
easat-1490	167	21	attitudes	attitude	NOUN
easat-1490	167	22	,	,	PUNCT
easat-1490	167	23	behaviors	behavior	NOUN
easat-1490	167	24	,	,	PUNCT
easat-1490	167	25	and	and	CCONJ
easat-1490	167	26	perceptions	perception	NOUN
easat-1490	167	27	.	.	PUNCT
easat-1490	168	1	this	this	DET
easat-1490	168	2	method	method	NOUN
easat-1490	168	3	provides	provide	VERB
easat-1490	168	4	important	important	ADJ
easat-1490	168	5	insights	insight	NOUN
easat-1490	168	6	that	that	PRON
easat-1490	168	7	can	can	AUX
easat-1490	168	8	guide	guide	VERB
easat-1490	168	9	the	the	DET
easat-1490	168	10	creation	creation	NOUN
easat-1490	168	11	of	of	ADP
easat-1490	168	12	strategies	strategy	NOUN
easat-1490	168	13	to	to	PART
easat-1490	168	14	enhance	enhance	VERB
easat-1490	168	15	e	e	NOUN
easat-1490	168	16	-	-	NOUN
easat-1490	168	17	wallet	wallet	NOUN
easat-1490	168	18	acceptance	acceptance	NOUN
easat-1490	168	19	,	,	PUNCT
easat-1490	168	20	tackle	tackle	NOUN
easat-1490	168	21	usability	usability	NOUN
easat-1490	168	22	issues	issue	NOUN
easat-1490	168	23	,	,	PUNCT
easat-1490	168	24	and	and	CCONJ
easat-1490	168	25	improve	improve	VERB
easat-1490	168	26	user	user	NOUN
easat-1490	168	27	experiences	experience	NOUN
easat-1490	168	28	in	in	ADP
easat-1490	168	29	the	the	DET
easat-1490	168	30	ever	ever	ADV
easat-1490	168	31	-	-	PUNCT
easat-1490	168	32	evolving	evolve	VERB
easat-1490	168	33	field	field	NOUN
easat-1490	168	34	of	of	ADP
easat-1490	168	35	digital	digital	ADJ
easat-1490	168	36	payments	payment	NOUN
easat-1490	168	37	.	.	PUNCT
easat-1490	169	1	the	the	DET
easat-1490	169	2	literature	literature	NOUN
easat-1490	169	3	reviewed	review	VERB
easat-1490	169	4	supports	support	VERB
easat-1490	169	5	this	this	DET
easat-1490	169	6	study	study	NOUN
easat-1490	169	7	by	by	ADP
easat-1490	169	8	emphasizing	emphasize	VERB
easat-1490	169	9	the	the	DET
easat-1490	169	10	effectiveness	effectiveness	NOUN
easat-1490	169	11	of	of	ADP
easat-1490	169	12	the	the	DET
easat-1490	169	13	technology	technology	NOUN
easat-1490	169	14	acceptance	acceptance	NOUN
easat-1490	169	15	model	model	NOUN
easat-1490	169	16	(	(	PUNCT
easat-1490	169	17	tam	tam	PROPN
easat-1490	169	18	)	)	PUNCT
easat-1490	169	19	in	in	ADP
easat-1490	169	20	explaining	explain	VERB
easat-1490	169	21	consumers	consumer	NOUN
easat-1490	169	22	'	'	PART
easat-1490	169	23	acceptance	acceptance	NOUN
easat-1490	169	24	and	and	CCONJ
easat-1490	169	25	use	use	NOUN
easat-1490	169	26	of	of	ADP
easat-1490	169	27	e	e	NOUN
easat-1490	169	28	-	-	NOUN
easat-1490	169	29	wallets	wallet	NOUN
easat-1490	169	30	.	.	PUNCT
easat-1490	170	1	it	it	PRON
easat-1490	170	2	highlights	highlight	VERB
easat-1490	170	3	tam	tam	PROPN
easat-1490	170	4	's	's	PART
easat-1490	170	5	success	success	NOUN
easat-1490	170	6	in	in	ADP
easat-1490	170	7	understanding	understand	VERB
easat-1490	170	8	technological	technological	ADJ
easat-1490	170	9	adoption	adoption	NOUN
easat-1490	170	10	,	,	PUNCT
easat-1490	170	11	especially	especially	ADV
easat-1490	170	12	in	in	ADP
easat-1490	170	13	the	the	DET
easat-1490	170	14	realm	realm	NOUN
easat-1490	170	15	of	of	ADP
easat-1490	170	16	e	e	NOUN
easat-1490	170	17	-	-	NOUN
easat-1490	170	18	wallets	wallet	NOUN
easat-1490	170	19	.	.	PUNCT
easat-1490	171	1	using	use	VERB
easat-1490	171	2	this	this	DET
easat-1490	171	3	theoretical	theoretical	ADJ
easat-1490	171	4	framework	framework	NOUN
easat-1490	171	5	is	be	AUX
easat-1490	171	6	crucial	crucial	ADJ
easat-1490	171	7	because	because	SCONJ
easat-1490	171	8	it	it	PRON
easat-1490	171	9	offers	offer	VERB
easat-1490	171	10	a	a	DET
easat-1490	171	11	structured	structured	ADJ
easat-1490	171	12	method	method	NOUN
easat-1490	171	13	for	for	ADP
easat-1490	171	14	examining	examine	VERB
easat-1490	171	15	consumer	consumer	NOUN
easat-1490	171	16	attitudes	attitude	NOUN
easat-1490	171	17	,	,	PUNCT
easat-1490	171	18	behaviors	behavior	NOUN
easat-1490	171	19	,	,	PUNCT
easat-1490	171	20	and	and	CCONJ
easat-1490	171	21	perceptions	perception	NOUN
easat-1490	171	22	related	relate	VERB
easat-1490	171	23	to	to	ADP
easat-1490	171	24	e	e	NOUN
easat-1490	171	25	-	-	NOUN
easat-1490	171	26	wallet	wallet	NOUN
easat-1490	171	27	usage	usage	NOUN
easat-1490	171	28	.	.	PUNCT
easat-1490	172	1	researchers	researcher	NOUN
easat-1490	172	2	can	can	AUX
easat-1490	172	3	concentrate	concentrate	VERB
easat-1490	172	4	their	their	PRON
easat-1490	172	5	studies	study	NOUN
easat-1490	172	6	on	on	ADP
easat-1490	172	7	elements	element	NOUN
easat-1490	172	8	that	that	PRON
easat-1490	172	9	impact	impact	VERB
easat-1490	172	10	consumers	consumer	NOUN
easat-1490	172	11	'	'	PART
easat-1490	172	12	choices	choice	NOUN
easat-1490	172	13	when	when	SCONJ
easat-1490	172	14	it	it	PRON
easat-1490	172	15	comes	come	VERB
easat-1490	172	16	to	to	ADP
easat-1490	172	17	adopting	adopt	VERB
easat-1490	172	18	e	e	NOUN
easat-1490	172	19	-	-	NOUN
easat-1490	172	20	wallets	wallet	NOUN
easat-1490	172	21	,	,	PUNCT
easat-1490	172	22	using	use	VERB
easat-1490	172	23	factors	factor	NOUN
easat-1490	172	24	like	like	ADP
easat-1490	172	25	perceived	perceive	VERB
easat-1490	172	26	usefulness	usefulness	NOUN
easat-1490	172	27	and	and	CCONJ
easat-1490	172	28	perceived	perceive	VERB
easat-1490	172	29	ease	ease	NOUN
easat-1490	172	30	-	-	PUNCT
easat-1490	172	31	of	of	ADP
easat-1490	172	32	-	-	PUNCT
easat-1490	172	33	use	use	NOUN
easat-1490	172	34	.	.	PUNCT
easat-1490	173	1	moreover	moreover	ADV
easat-1490	173	2	,	,	PUNCT
easat-1490	173	3	the	the	DET
easat-1490	173	4	use	use	NOUN
easat-1490	173	5	of	of	ADP
easat-1490	173	6	e	e	NOUN
easat-1490	173	7	-	-	NOUN
easat-1490	173	8	wallets	wallet	NOUN
easat-1490	173	9	is	be	AUX
easat-1490	173	10	being	be	AUX
easat-1490	173	11	evaluated	evaluate	VERB
easat-1490	173	12	to	to	PART
easat-1490	173	13	measure	measure	VERB
easat-1490	173	14	their	their	PRON
easat-1490	173	15	influence	influence	NOUN
easat-1490	173	16	on	on	ADP
easat-1490	173	17	consumer	consumer	NOUN
easat-1490	173	18	perception	perception	NOUN
easat-1490	173	19	.	.	PUNCT
easat-1490	174	1	the	the	DET
easat-1490	174	2	research	research	NOUN
easat-1490	174	3	being	be	AUX
easat-1490	174	4	discussed	discuss	VERB
easat-1490	174	5	,	,	PUNCT
easat-1490	174	6	titled	title	VERB
easat-1490	174	7	“	"	PUNCT
easat-1490	174	8	examining	examine	VERB
easat-1490	174	9	consumers	consumer	NOUN
easat-1490	174	10	attitude	attitude	NOUN
easat-1490	174	11	towards	towards	ADP
easat-1490	174	12	e	e	NOUN
easat-1490	174	13	-	-	NOUN
easat-1490	174	14	wallet	wallet	NOUN
easat-1490	174	15	utilization	utilization	NOUN
easat-1490	174	16	as	as	ADP
easat-1490	174	17	a	a	DET
easat-1490	174	18	payment	payment	NOUN
easat-1490	174	19	method	method	NOUN
easat-1490	174	20	using	use	VERB
easat-1490	174	21	technology	technology	NOUN
easat-1490	174	22	acceptance	acceptance	NOUN
easat-1490	174	23	model	model	NOUN
easat-1490	174	24	:	:	PUNCT
easat-1490	174	25	a	a	DET
easat-1490	174	26	perspective	perspective	NOUN
easat-1490	174	27	from	from	ADP
easat-1490	174	28	young	young	ADJ
easat-1490	174	29	generations	generation	NOUN
easat-1490	174	30	in	in	ADP
easat-1490	174	31	nueva	nueva	PROPN
easat-1490	174	32	ecija	ecija	PROPN
easat-1490	174	33	,	,	PUNCT
easat-1490	174	34	philippines	philippine	NOUN
easat-1490	174	35	”	"	PUNCT
easat-1490	174	36	proposes	propose	VERB
easat-1490	174	37	an	an	DET
easat-1490	174	38	assessment	assessment	NOUN
easat-1490	174	39	into	into	ADP
easat-1490	174	40	how	how	SCONJ
easat-1490	174	41	consumers	consumer	NOUN
easat-1490	174	42	view	view	VERB
easat-1490	174	43	and	and	CCONJ
easat-1490	174	44	embrace	embrace	VERB
easat-1490	174	45	particular	particular	ADJ
easat-1490	174	46	aspects	aspect	NOUN
easat-1490	174	47	of	of	ADP
easat-1490	174	48	e	e	NOUN
easat-1490	174	49	-	-	NOUN
easat-1490	174	50	wallets	wallet	NOUN
easat-1490	174	51	as	as	ADP
easat-1490	174	52	their	their	PRON
easat-1490	174	53	payment	payment	NOUN
easat-1490	174	54	method	method	NOUN
easat-1490	174	55	.	.	PUNCT
easat-1490	175	1	2	2	X
easat-1490	175	2	.	.	X
easat-1490	175	3	research	research	NOUN
easat-1490	175	4	method	method	NOUN
easat-1490	175	5	2.1	2.1	NUM
easat-1490	175	6	.	.	PUNCT
easat-1490	176	1	research	research	NOUN
easat-1490	176	2	design	design	NOUN
easat-1490	176	3	the	the	DET
easat-1490	176	4	researchers	researcher	NOUN
easat-1490	176	5	utilized	utilize	VERB
easat-1490	176	6	a	a	DET
easat-1490	176	7	correlational	correlational	ADJ
easat-1490	176	8	quantitative	quantitative	ADJ
easat-1490	176	9	methodology	methodology	NOUN
easat-1490	176	10	in	in	ADP
easat-1490	176	11	their	their	PRON
easat-1490	176	12	investigation	investigation	NOUN
easat-1490	176	13	,	,	PUNCT
easat-1490	176	14	wherein	wherein	SCONJ
easat-1490	176	15	they	they	PRON
easat-1490	176	16	collected	collect	VERB
easat-1490	176	17	quantifiable	quantifiable	ADJ
easat-1490	176	18	data	datum	NOUN
easat-1490	176	19	from	from	ADP
easat-1490	176	20	a	a	DET
easat-1490	176	21	specific	specific	ADJ
easat-1490	176	22	group	group	NOUN
easat-1490	176	23	within	within	ADP
easat-1490	176	24	the	the	DET
easat-1490	176	25	population	population	NOUN
easat-1490	176	26	for	for	ADP
easat-1490	176	27	the	the	DET
easat-1490	176	28	purpose	purpose	NOUN
easat-1490	176	29	of	of	ADP
easat-1490	176	30	statistical	statistical	ADJ
easat-1490	176	31	analysis	analysis	NOUN
easat-1490	176	32	.	.	PUNCT
easat-1490	177	1	this	this	DET
easat-1490	177	2	method	method	NOUN
easat-1490	177	3	facilitated	facilitate	VERB
easat-1490	177	4	the	the	DET
easat-1490	177	5	investigation	investigation	NOUN
easat-1490	177	6	of	of	ADP
easat-1490	177	7	connections	connection	NOUN
easat-1490	177	8	between	between	ADP
easat-1490	177	9	different	different	ADJ
easat-1490	177	10	variables	variable	NOUN
easat-1490	177	11	.	.	PUNCT
easat-1490	178	1	the	the	DET
easat-1490	178	2	study	study	NOUN
easat-1490	178	3	's	's	PART
easat-1490	178	4	objective	objective	NOUN
easat-1490	178	5	was	be	AUX
easat-1490	178	6	to	to	PART
easat-1490	178	7	evaluate	evaluate	VERB
easat-1490	178	8	the	the	DET
easat-1490	178	9	influence	influence	NOUN
easat-1490	178	10	of	of	ADP
easat-1490	178	11	e	e	NOUN
easat-1490	178	12	-	-	NOUN
easat-1490	178	13	wallet	wallet	NOUN
easat-1490	178	14	usage	usage	NOUN
easat-1490	178	15	on	on	ADP
easat-1490	178	16	consumer	consumer	NOUN
easat-1490	178	17	attitudes	attitude	NOUN
easat-1490	178	18	towards	towards	ADP
easat-1490	178	19	payment	payment	NOUN
easat-1490	178	20	methods	method	NOUN
easat-1490	178	21	.	.	PUNCT
easat-1490	179	1	1163	1163	NUM
easat-1490	179	2	edelweiss	edelweiss	PROPN
easat-1490	179	3	applied	apply	VERB
easat-1490	179	4	science	science	NOUN
easat-1490	179	5	and	and	CCONJ
easat-1490	179	6	technology	technology	NOUN
easat-1490	179	7	issn	issn	PROPN
easat-1490	179	8	:	:	PUNCT
easat-1490	179	9	2576	2576	NUM
easat-1490	179	10	-	-	SYM
easat-1490	179	11	8484	8484	NUM
easat-1490	179	12	vol	vol	NOUN
easat-1490	179	13	.	.	PROPN
easat-1490	179	14	8	8	NUM
easat-1490	179	15	,	,	PUNCT
easat-1490	179	16	no	no	INTJ
easat-1490	179	17	.	.	NOUN
easat-1490	179	18	4	4	NUM
easat-1490	179	19	:	:	SYM
easat-1490	179	20	1157	1157	NUM
easat-1490	179	21	-	-	SYM
easat-1490	179	22	1173	1173	NUM
easat-1490	179	23	,	,	PUNCT
easat-1490	179	24	2024	2024	NUM
easat-1490	179	25	doi	doi	NOUN
easat-1490	179	26	:	:	PUNCT
easat-1490	179	27	10.55214/25768484.v8i4.1490	10.55214/25768484.v8i4.1490	NUM
easat-1490	179	28	©	©	PROPN
easat-1490	179	29	2024	2024	NUM
easat-1490	179	30	by	by	ADP
easat-1490	179	31	the	the	DET
easat-1490	179	32	authors	author	NOUN
easat-1490	179	33	;	;	PUNCT
easat-1490	179	34	licensee	licensee	PROPN
easat-1490	179	35	learning	learning	NOUN
easat-1490	179	36	gate	gate	VERB
easat-1490	179	37	quantitative	quantitative	ADJ
easat-1490	179	38	methodology	methodology	NOUN
easat-1490	179	39	,	,	PUNCT
easat-1490	179	40	as	as	SCONJ
easat-1490	179	41	described	describe	VERB
easat-1490	179	42	by	by	ADP
easat-1490	179	43	apuke	apuke	PROPN
easat-1490	179	44	(	(	PUNCT
easat-1490	179	45	2017	2017	NUM
easat-1490	179	46	)	)	PUNCT
easat-1490	179	47	,	,	PUNCT
easat-1490	179	48	is	be	AUX
easat-1490	179	49	employed	employ	VERB
easat-1490	179	50	to	to	PART
easat-1490	179	51	determine	determine	VERB
easat-1490	179	52	the	the	DET
easat-1490	179	53	existence	existence	NOUN
easat-1490	179	54	and	and	CCONJ
easat-1490	179	55	magnitude	magnitude	NOUN
easat-1490	179	56	of	of	ADP
easat-1490	179	57	relationships	relationship	NOUN
easat-1490	179	58	among	among	ADP
easat-1490	179	59	various	various	ADJ
easat-1490	179	60	variables	variable	NOUN
easat-1490	179	61	within	within	ADP
easat-1490	179	62	a	a	DET
easat-1490	179	63	population	population	NOUN
easat-1490	179	64	or	or	CCONJ
easat-1490	179	65	sample	sample	NOUN
easat-1490	179	66	.	.	PUNCT
easat-1490	180	1	the	the	DET
easat-1490	180	2	researchers	researcher	NOUN
easat-1490	180	3	emphasize	emphasize	VERB
easat-1490	180	4	numerical	numerical	ADJ
easat-1490	180	5	data	datum	NOUN
easat-1490	180	6	and	and	CCONJ
easat-1490	180	7	statistical	statistical	ADJ
easat-1490	180	8	analysis	analysis	NOUN
easat-1490	180	9	to	to	PART
easat-1490	180	10	draw	draw	VERB
easat-1490	180	11	conclusions	conclusion	NOUN
easat-1490	180	12	.	.	PUNCT
easat-1490	181	1	in	in	ADP
easat-1490	181	2	order	order	NOUN
easat-1490	181	3	to	to	PART
easat-1490	181	4	analyze	analyze	VERB
easat-1490	181	5	the	the	DET
easat-1490	181	6	collected	collect	VERB
easat-1490	181	7	data	datum	NOUN
easat-1490	181	8	,	,	PUNCT
easat-1490	181	9	we	we	PRON
easat-1490	181	10	,	,	PUNCT
easat-1490	181	11	as	as	SCONJ
easat-1490	181	12	researchers	researcher	NOUN
easat-1490	181	13	,	,	PUNCT
easat-1490	181	14	utilized	utilize	VERB
easat-1490	181	15	a	a	DET
easat-1490	181	16	range	range	NOUN
easat-1490	181	17	of	of	ADP
easat-1490	181	18	statistical	statistical	ADJ
easat-1490	181	19	techniques	technique	NOUN
easat-1490	181	20	,	,	PUNCT
easat-1490	181	21	such	such	ADJ
easat-1490	181	22	as	as	ADP
easat-1490	181	23	frequency	frequency	NOUN
easat-1490	181	24	,	,	PUNCT
easat-1490	181	25	percentage	percentage	NOUN
easat-1490	181	26	,	,	PUNCT
easat-1490	181	27	weighted	weight	VERB
easat-1490	181	28	mean	mean	ADJ
easat-1490	181	29	,	,	PUNCT
easat-1490	181	30	and	and	CCONJ
easat-1490	181	31	pearson	pearson	PROPN
easat-1490	181	32	's	's	PART
easat-1490	181	33	correlation	correlation	NOUN
easat-1490	181	34	coefficient	coefficient	NOUN
easat-1490	181	35	.	.	PUNCT
easat-1490	182	1	the	the	DET
easat-1490	182	2	methods	method	NOUN
easat-1490	182	3	utilized	utilize	VERB
easat-1490	182	4	in	in	ADP
easat-1490	182	5	this	this	DET
easat-1490	182	6	study	study	NOUN
easat-1490	182	7	offer	offer	VERB
easat-1490	182	8	a	a	DET
easat-1490	182	9	comprehensive	comprehensive	ADJ
easat-1490	182	10	framework	framework	NOUN
easat-1490	182	11	for	for	ADP
easat-1490	182	12	comprehending	comprehend	VERB
easat-1490	182	13	the	the	DET
easat-1490	182	14	data	datum	NOUN
easat-1490	182	15	and	and	CCONJ
easat-1490	182	16	assessing	assess	VERB
easat-1490	182	17	the	the	DET
easat-1490	182	18	relationships	relationship	NOUN
easat-1490	182	19	among	among	ADP
easat-1490	182	20	various	various	ADJ
easat-1490	182	21	variables	variable	NOUN
easat-1490	182	22	.	.	PUNCT
easat-1490	183	1	the	the	DET
easat-1490	183	2	pearson	pearson	PROPN
easat-1490	183	3	's	's	PART
easat-1490	183	4	correlation	correlation	NOUN
easat-1490	183	5	coefficient	coefficient	NOUN
easat-1490	183	6	,	,	PUNCT
easat-1490	183	7	in	in	ADP
easat-1490	183	8	particular	particular	ADJ
easat-1490	183	9	,	,	PUNCT
easat-1490	183	10	played	play	VERB
easat-1490	183	11	a	a	DET
easat-1490	183	12	crucial	crucial	ADJ
easat-1490	183	13	role	role	NOUN
easat-1490	183	14	in	in	ADP
easat-1490	183	15	the	the	DET
easat-1490	183	16	analysis	analysis	NOUN
easat-1490	183	17	.	.	PUNCT
easat-1490	184	1	the	the	DET
easat-1490	184	2	coefficient	coefficient	NOUN
easat-1490	184	3	quantifies	quantify	VERB
easat-1490	184	4	the	the	DET
easat-1490	184	5	degree	degree	NOUN
easat-1490	184	6	of	of	ADP
easat-1490	184	7	association	association	NOUN
easat-1490	184	8	between	between	ADP
easat-1490	184	9	two	two	NUM
easat-1490	184	10	variables	variable	NOUN
easat-1490	184	11	,	,	PUNCT
easat-1490	184	12	offering	offer	VERB
easat-1490	184	13	insights	insight	NOUN
easat-1490	184	14	into	into	ADP
easat-1490	184	15	the	the	DET
easat-1490	184	16	nature	nature	NOUN
easat-1490	184	17	and	and	CCONJ
easat-1490	184	18	intensity	intensity	NOUN
easat-1490	184	19	of	of	ADP
easat-1490	184	20	their	their	PRON
easat-1490	184	21	relationship	relationship	NOUN
easat-1490	184	22	.	.	PUNCT
easat-1490	185	1	through	through	ADP
easat-1490	185	2	the	the	DET
easat-1490	185	3	calculation	calculation	NOUN
easat-1490	185	4	of	of	ADP
easat-1490	185	5	this	this	DET
easat-1490	185	6	coefficient	coefficient	NOUN
easat-1490	185	7	,	,	PUNCT
easat-1490	185	8	we	we	PRON
easat-1490	185	9	,	,	PUNCT
easat-1490	185	10	as	as	ADP
easat-1490	185	11	researchers	researcher	NOUN
easat-1490	185	12	,	,	PUNCT
easat-1490	185	13	were	be	AUX
easat-1490	185	14	able	able	ADJ
easat-1490	185	15	to	to	PART
easat-1490	185	16	ascertain	ascertain	VERB
easat-1490	185	17	the	the	DET
easat-1490	185	18	degree	degree	NOUN
easat-1490	185	19	to	to	PART
easat-1490	185	20	which	which	PRON
easat-1490	185	21	the	the	DET
easat-1490	185	22	utilization	utilization	NOUN
easat-1490	185	23	of	of	ADP
easat-1490	185	24	e	e	NOUN
easat-1490	185	25	-	-	NOUN
easat-1490	185	26	wallets	wallet	NOUN
easat-1490	185	27	for	for	ADP
easat-1490	185	28	payments	payment	NOUN
easat-1490	185	29	impacted	impact	VERB
easat-1490	185	30	consumer	consumer	NOUN
easat-1490	185	31	attitudes	attitude	NOUN
easat-1490	185	32	.	.	PUNCT
easat-1490	186	1	2.2	2.2	NUM
easat-1490	186	2	.	.	PUNCT
easat-1490	186	3	research	research	NOUN
easat-1490	186	4	target	target	NOUN
easat-1490	186	5	/	/	SYM
easat-1490	186	6	subject	subject	NOUN
easat-1490	186	7	the	the	DET
easat-1490	186	8	study	study	NOUN
easat-1490	186	9	in	in	ADP
easat-1490	186	10	question	question	NOUN
easat-1490	186	11	specifically	specifically	ADV
easat-1490	186	12	targets	target	VERB
easat-1490	186	13	consumers	consumer	NOUN
easat-1490	186	14	aged	age	VERB
easat-1490	186	15	between	between	ADP
easat-1490	186	16	18	18	NUM
easat-1490	186	17	and	and	CCONJ
easat-1490	186	18	24	24	NUM
easat-1490	186	19	years	year	NOUN
easat-1490	186	20	old	old	ADJ
easat-1490	186	21	residing	reside	VERB
easat-1490	186	22	in	in	ADP
easat-1490	186	23	nueva	nueva	PROPN
easat-1490	186	24	ecija	ecija	NOUN
easat-1490	186	25	with	with	ADP
easat-1490	186	26	at	at	ADV
easat-1490	186	27	least	least	ADV
easat-1490	186	28	one	one	NUM
easat-1490	186	29	time	time	NOUN
easat-1490	186	30	experience	experience	NOUN
easat-1490	186	31	in	in	ADP
easat-1490	186	32	the	the	DET
easat-1490	186	33	use	use	NOUN
easat-1490	186	34	of	of	ADP
easat-1490	186	35	e	e	NOUN
easat-1490	186	36	-	-	NOUN
easat-1490	186	37	wallet	wallet	NOUN
easat-1490	186	38	as	as	ADP
easat-1490	186	39	their	their	PRON
easat-1490	186	40	payment	payment	NOUN
easat-1490	186	41	in	in	ADP
easat-1490	186	42	exchange	exchange	NOUN
easat-1490	186	43	of	of	ADP
easat-1490	186	44	goods	good	NOUN
easat-1490	186	45	or	or	CCONJ
easat-1490	186	46	services	service	NOUN
easat-1490	186	47	.	.	PUNCT
easat-1490	187	1	this	this	DET
easat-1490	187	2	delineation	delineation	NOUN
easat-1490	187	3	of	of	ADP
easat-1490	187	4	the	the	DET
easat-1490	187	5	age	age	NOUN
easat-1490	187	6	bracket	bracket	NOUN
easat-1490	187	7	is	be	AUX
easat-1490	187	8	significant	significant	ADJ
easat-1490	187	9	due	due	ADP
easat-1490	187	10	to	to	ADP
easat-1490	187	11	the	the	DET
easat-1490	187	12	predominance	predominance	NOUN
easat-1490	187	13	of	of	ADP
easat-1490	187	14	e	e	NOUN
easat-1490	187	15	-	-	NOUN
easat-1490	187	16	wallet	wallet	NOUN
easat-1490	187	17	usage	usage	NOUN
easat-1490	187	18	among	among	ADP
easat-1490	187	19	individuals	individual	NOUN
easat-1490	187	20	within	within	ADP
easat-1490	187	21	this	this	DET
easat-1490	187	22	demographic	demographic	NOUN
easat-1490	187	23	.	.	PUNCT
easat-1490	188	1	consequently	consequently	ADV
easat-1490	188	2	,	,	PUNCT
easat-1490	188	3	the	the	DET
easat-1490	188	4	researchers	researcher	NOUN
easat-1490	188	5	opted	opt	VERB
easat-1490	188	6	to	to	PART
easat-1490	188	7	confine	confine	VERB
easat-1490	188	8	the	the	DET
easat-1490	188	9	respondent	respondent	ADJ
easat-1490	188	10	pool	pool	NOUN
easat-1490	188	11	exclusively	exclusively	ADV
easat-1490	188	12	to	to	ADP
easat-1490	188	13	this	this	DET
easat-1490	188	14	age	age	NOUN
easat-1490	188	15	group	group	NOUN
easat-1490	188	16	.	.	PUNCT
easat-1490	189	1	the	the	DET
easat-1490	189	2	rationale	rationale	NOUN
easat-1490	189	3	behind	behind	ADP
easat-1490	189	4	this	this	DET
easat-1490	189	5	decision	decision	NOUN
easat-1490	189	6	lies	lie	VERB
easat-1490	189	7	in	in	ADP
easat-1490	189	8	the	the	DET
easat-1490	189	9	observed	observed	ADJ
easat-1490	189	10	trend	trend	NOUN
easat-1490	189	11	that	that	SCONJ
easat-1490	189	12	the	the	DET
easat-1490	189	13	majority	majority	NOUN
easat-1490	189	14	of	of	ADP
easat-1490	189	15	e	e	NOUN
easat-1490	189	16	-	-	NOUN
easat-1490	189	17	wallet	wallet	NOUN
easat-1490	189	18	users	user	NOUN
easat-1490	189	19	fall	fall	VERB
easat-1490	189	20	within	within	ADP
easat-1490	189	21	the	the	DET
easat-1490	189	22	18	18	NUM
easat-1490	189	23	-	-	SYM
easat-1490	189	24	24	24	NUM
easat-1490	189	25	age	age	NOUN
easat-1490	189	26	bracket	bracket	NOUN
easat-1490	189	27	.	.	PUNCT
easat-1490	190	1	by	by	ADP
easat-1490	190	2	focusing	focus	VERB
easat-1490	190	3	exclusively	exclusively	ADV
easat-1490	190	4	on	on	ADP
easat-1490	190	5	this	this	DET
easat-1490	190	6	demographic	demographic	ADJ
easat-1490	190	7	segment	segment	NOUN
easat-1490	190	8	,	,	PUNCT
easat-1490	190	9	the	the	DET
easat-1490	190	10	study	study	NOUN
easat-1490	190	11	aims	aim	VERB
easat-1490	190	12	to	to	PART
easat-1490	190	13	capture	capture	VERB
easat-1490	190	14	a	a	DET
easat-1490	190	15	representative	representative	ADJ
easat-1490	190	16	sample	sample	NOUN
easat-1490	190	17	of	of	ADP
easat-1490	190	18	the	the	DET
easat-1490	190	19	population	population	NOUN
easat-1490	190	20	most	most	ADV
easat-1490	190	21	likely	likely	ADJ
easat-1490	190	22	to	to	PART
easat-1490	190	23	engage	engage	VERB
easat-1490	190	24	with	with	ADP
easat-1490	190	25	e	e	NOUN
easat-1490	190	26	-	-	NOUN
easat-1490	190	27	wallet	wallet	NOUN
easat-1490	190	28	technologies	technology	NOUN
easat-1490	190	29	in	in	ADP
easat-1490	190	30	nueva	nueva	PROPN
easat-1490	190	31	ecija	ecija	PROPN
easat-1490	190	32	.	.	PUNCT
easat-1490	191	1	this	this	DET
easat-1490	191	2	targeted	target	VERB
easat-1490	191	3	approach	approach	NOUN
easat-1490	191	4	allows	allow	VERB
easat-1490	191	5	for	for	ADP
easat-1490	191	6	a	a	DET
easat-1490	191	7	more	more	ADV
easat-1490	191	8	focused	focused	ADJ
easat-1490	191	9	investigation	investigation	NOUN
easat-1490	191	10	into	into	ADP
easat-1490	191	11	the	the	DET
easat-1490	191	12	perceived	perceive	VERB
easat-1490	191	13	use	use	NOUN
easat-1490	191	14	and	and	CCONJ
easat-1490	191	15	perceived	perceive	VERB
easat-1490	191	16	ease	ease	NOUN
easat-1490	191	17	of	of	ADP
easat-1490	191	18	use	use	NOUN
easat-1490	191	19	and	and	CCONJ
easat-1490	191	20	usefulness	usefulness	NOUN
easat-1490	191	21	of	of	ADP
easat-1490	191	22	a	a	DET
easat-1490	191	23	specific	specific	ADJ
easat-1490	191	24	consumer	consumer	NOUN
easat-1490	191	25	cohort	cohort	NOUN
easat-1490	191	26	regarding	regard	VERB
easat-1490	191	27	e	e	NOUN
easat-1490	191	28	-	-	NOUN
easat-1490	191	29	wallet	wallet	NOUN
easat-1490	191	30	usage	usage	NOUN
easat-1490	191	31	.	.	PUNCT
easat-1490	192	1	by	by	ADP
easat-1490	192	2	concentrating	concentrate	VERB
easat-1490	192	3	on	on	ADP
easat-1490	192	4	the	the	DET
easat-1490	192	5	18	18	NUM
easat-1490	192	6	-	-	SYM
easat-1490	192	7	24	24	NUM
easat-1490	192	8	age	age	NOUN
easat-1490	192	9	group	group	NOUN
easat-1490	192	10	,	,	PUNCT
easat-1490	192	11	the	the	DET
easat-1490	192	12	study	study	NOUN
easat-1490	192	13	aims	aim	VERB
easat-1490	192	14	to	to	PART
easat-1490	192	15	provide	provide	VERB
easat-1490	192	16	insights	insight	NOUN
easat-1490	192	17	that	that	PRON
easat-1490	192	18	are	be	AUX
easat-1490	192	19	particularly	particularly	ADV
easat-1490	192	20	relevant	relevant	ADJ
easat-1490	192	21	and	and	CCONJ
easat-1490	192	22	applicable	applicable	ADJ
easat-1490	192	23	to	to	ADP
easat-1490	192	24	this	this	DET
easat-1490	192	25	demographic	demographic	ADJ
easat-1490	192	26	segment	segment	NOUN
easat-1490	192	27	,	,	PUNCT
easat-1490	192	28	thus	thus	ADV
easat-1490	192	29	enhancing	enhance	VERB
easat-1490	192	30	the	the	DET
easat-1490	192	31	overall	overall	ADJ
easat-1490	192	32	validity	validity	NOUN
easat-1490	192	33	and	and	CCONJ
easat-1490	192	34	applicability	applicability	NOUN
easat-1490	192	35	of	of	ADP
easat-1490	192	36	the	the	DET
easat-1490	192	37	research	research	NOUN
easat-1490	192	38	findings	finding	NOUN
easat-1490	192	39	within	within	ADP
easat-1490	192	40	the	the	DET
easat-1490	192	41	context	context	NOUN
easat-1490	192	42	of	of	ADP
easat-1490	192	43	e	e	NOUN
easat-1490	192	44	-	-	NOUN
easat-1490	192	45	wallet	wallet	NOUN
easat-1490	192	46	adoption	adoption	NOUN
easat-1490	192	47	in	in	ADP
easat-1490	192	48	nueva	nueva	PROPN
easat-1490	192	49	ecija	ecija	PROPN
easat-1490	192	50	.	.	PUNCT
easat-1490	193	1	the	the	DET
easat-1490	193	2	table	table	NOUN
easat-1490	193	3	below	below	ADV
easat-1490	193	4	provides	provide	VERB
easat-1490	193	5	a	a	DET
easat-1490	193	6	snapshot	snapshot	NOUN
easat-1490	193	7	of	of	ADP
easat-1490	193	8	the	the	DET
easat-1490	193	9	sample	sample	NOUN
easat-1490	193	10	population	population	NOUN
easat-1490	193	11	distributed	distribute	VERB
easat-1490	193	12	across	across	ADP
easat-1490	193	13	all	all	DET
easat-1490	193	14	municipalities	municipality	NOUN
easat-1490	193	15	in	in	ADP
easat-1490	193	16	the	the	DET
easat-1490	193	17	province	province	NOUN
easat-1490	193	18	.	.	PUNCT
easat-1490	194	1	the	the	DET
easat-1490	194	2	study	study	NOUN
easat-1490	194	3	focused	focus	VERB
easat-1490	194	4	on	on	ADP
easat-1490	194	5	a	a	DET
easat-1490	194	6	specific	specific	ADJ
easat-1490	194	7	demographic	demographic	ADJ
easat-1490	194	8	subset	subset	NOUN
easat-1490	194	9	of	of	ADP
easat-1490	194	10	e	e	NOUN
easat-1490	194	11	-	-	NOUN
easat-1490	194	12	wallet	wallet	NOUN
easat-1490	194	13	users	user	NOUN
easat-1490	194	14	,	,	PUNCT
easat-1490	194	15	namely	namely	ADV
easat-1490	194	16	individuals	individual	NOUN
easat-1490	194	17	aged	age	VERB
easat-1490	194	18	between	between	ADP
easat-1490	194	19	18	18	NUM
easat-1490	194	20	and	and	CCONJ
easat-1490	194	21	24	24	NUM
easat-1490	194	22	years	year	NOUN
easat-1490	194	23	old	old	ADJ
easat-1490	194	24	residing	reside	VERB
easat-1490	194	25	in	in	ADP
easat-1490	194	26	nueva	nueva	PROPN
easat-1490	194	27	ecija	ecija	PROPN
easat-1490	194	28	,	,	PUNCT
easat-1490	194	29	philippines	philippine	NOUN
easat-1490	194	30	.	.	PUNCT
easat-1490	195	1	the	the	DET
easat-1490	195	2	total	total	ADJ
easat-1490	195	3	sample	sample	NOUN
easat-1490	195	4	size	size	NOUN
easat-1490	195	5	consisted	consist	VERB
easat-1490	195	6	of	of	ADP
easat-1490	195	7	384	384	NUM
easat-1490	195	8	respondents	respondent	NOUN
easat-1490	195	9	,	,	PUNCT
easat-1490	195	10	drawn	draw	VERB
easat-1490	195	11	from	from	ADP
easat-1490	195	12	a	a	DET
easat-1490	195	13	population	population	NOUN
easat-1490	195	14	estimated	estimate	VERB
easat-1490	195	15	to	to	PART
easat-1490	195	16	be	be	AUX
easat-1490	195	17	406,215	406,215	NUM
easat-1490	195	18	individuals	individual	NOUN
easat-1490	195	19	within	within	ADP
easat-1490	195	20	the	the	DET
easat-1490	195	21	specified	specify	VERB
easat-1490	195	22	age	age	NOUN
easat-1490	195	23	range	range	NOUN
easat-1490	195	24	and	and	CCONJ
easat-1490	195	25	geographic	geographic	ADJ
easat-1490	195	26	location	location	NOUN
easat-1490	195	27	.	.	PUNCT
easat-1490	196	1	the	the	DET
easat-1490	196	2	determination	determination	NOUN
easat-1490	196	3	of	of	ADP
easat-1490	196	4	the	the	DET
easat-1490	196	5	sample	sample	NOUN
easat-1490	196	6	size	size	NOUN
easat-1490	196	7	followed	follow	VERB
easat-1490	196	8	a	a	DET
easat-1490	196	9	rigorous	rigorous	ADJ
easat-1490	196	10	methodology	methodology	NOUN
easat-1490	196	11	,	,	PUNCT
easat-1490	196	12	utilizing	utilize	VERB
easat-1490	196	13	the	the	DET
easat-1490	196	14	raosoft	raosoft	ADJ
easat-1490	196	15	application	application	NOUN
easat-1490	196	16	to	to	PART
easat-1490	196	17	calculate	calculate	VERB
easat-1490	196	18	a	a	DET
easat-1490	196	19	sample	sample	NOUN
easat-1490	196	20	size	size	NOUN
easat-1490	196	21	with	with	ADP
easat-1490	196	22	a	a	DET
easat-1490	196	23	95	95	NUM
easat-1490	196	24	%	%	NOUN
easat-1490	196	25	confidence	confidence	NOUN
easat-1490	196	26	level	level	NOUN
easat-1490	196	27	and	and	CCONJ
easat-1490	196	28	a	a	DET
easat-1490	196	29	5	5	NUM
easat-1490	196	30	%	%	NOUN
easat-1490	196	31	margin	margin	NOUN
easat-1490	196	32	of	of	ADP
easat-1490	196	33	error	error	NOUN
easat-1490	196	34	,	,	PUNCT
easat-1490	196	35	ensuring	ensure	VERB
easat-1490	196	36	statistical	statistical	ADJ
easat-1490	196	37	robustness	robustness	NOUN
easat-1490	196	38	and	and	CCONJ
easat-1490	196	39	reliability	reliability	NOUN
easat-1490	196	40	.	.	PUNCT
easat-1490	197	1	table	table	NOUN
easat-1490	197	2	1	1	NUM
easat-1490	197	3	.	.	PUNCT
easat-1490	198	1	distribution	distribution	NOUN
easat-1490	198	2	of	of	ADP
easat-1490	198	3	respondents	respondent	NOUN
easat-1490	198	4	.	.	PUNCT
easat-1490	199	1	municipalities	municipality	NOUN
easat-1490	199	2	population	population	NOUN
easat-1490	199	3	sample	sample	NOUN
easat-1490	199	4	size	size	NOUN
easat-1490	199	5	aliaga	aliaga	NOUN
easat-1490	199	6	12,080	12,080	NUM
easat-1490	199	7	11	11	NUM
easat-1490	199	8	bongabon	bongabon	NOUN
easat-1490	199	9	11,762	11,762	NUM
easat-1490	199	10	11	11	NUM
easat-1490	199	11	cabanatuan	cabanatuan	PROPN
easat-1490	199	12	59,585	59,585	NUM
easat-1490	199	13	56	56	NUM
easat-1490	199	14	cabiao	cabiao	NOUN
easat-1490	199	15	15,039	15,039	NUM
easat-1490	199	16	14	14	NUM
easat-1490	199	17	carranglan	carranglan	ADJ
easat-1490	199	18	8,357	8,357	NUM
easat-1490	199	19	8	8	NUM
easat-1490	199	20	cuyapo	cuyapo	NOUN
easat-1490	199	21	11,734	11,734	NUM
easat-1490	199	22	11	11	NUM
easat-1490	199	23	gabaldon	gabaldon	NOUN
easat-1490	199	24	6,271	6,271	NUM
easat-1490	199	25	6	6	NUM
easat-1490	199	26	1164	1164	NUM
easat-1490	199	27	edelweiss	edelweiss	PROPN
easat-1490	199	28	applied	apply	VERB
easat-1490	199	29	science	science	NOUN
easat-1490	199	30	and	and	CCONJ
easat-1490	199	31	technology	technology	NOUN
easat-1490	199	32	issn	issn	PROPN
easat-1490	199	33	:	:	PUNCT
easat-1490	199	34	2576	2576	NUM
easat-1490	199	35	-	-	SYM
easat-1490	199	36	8484	8484	NUM
easat-1490	199	37	vol	vol	NOUN
easat-1490	199	38	.	.	PROPN
easat-1490	199	39	8	8	NUM
easat-1490	199	40	,	,	PUNCT
easat-1490	199	41	no	no	INTJ
easat-1490	199	42	.	.	NOUN
easat-1490	199	43	4	4	NUM
easat-1490	199	44	:	:	SYM
easat-1490	199	45	1157	1157	NUM
easat-1490	199	46	-	-	SYM
easat-1490	199	47	1173	1173	NUM
easat-1490	199	48	,	,	PUNCT
easat-1490	199	49	2024	2024	NUM
easat-1490	199	50	doi	doi	NOUN
easat-1490	199	51	:	:	PUNCT
easat-1490	199	52	10.55214/25768484.v8i4.1490	10.55214/25768484.v8i4.1490	NUM
easat-1490	199	53	©	©	PROPN
easat-1490	199	54	2024	2024	NUM
easat-1490	199	55	by	by	ADP
easat-1490	199	56	the	the	DET
easat-1490	199	57	authors	author	NOUN
easat-1490	199	58	;	;	PUNCT
easat-1490	199	59	licensee	licensee	PROPN
easat-1490	199	60	learning	learn	VERB
easat-1490	199	61	gate	gate	PROPN
easat-1490	199	62	gapan	gapan	VERB
easat-1490	199	63	20,929	20,929	NUM
easat-1490	199	64	20	20	NUM
easat-1490	199	65	general	general	ADJ
easat-1490	199	66	mamerto	mamerto	PROPN
easat-1490	199	67	natividad	natividad	PROPN
easat-1490	199	68	8,002	8,002	NUM
easat-1490	199	69	8	8	NUM
easat-1490	199	70	general	general	ADJ
easat-1490	199	71	tinio	tinio	NOUN
easat-1490	199	72	9,409	9,409	NUM
easat-1490	199	73	9	9	NUM
easat-1490	199	74	guimba	guimba	NOUN
easat-1490	199	75	21,380	21,380	NUM
easat-1490	199	76	20	20	NUM
easat-1490	199	77	jaen	jaen	PROPN
easat-1490	199	78	13,948	13,948	NUM
easat-1490	199	79	13	13	NUM
easat-1490	199	80	laur	laur	NOUN
easat-1490	199	81	6,673	6,673	NUM
easat-1490	199	82	6	6	NUM
easat-1490	199	83	licab	licab	NOUN
easat-1490	199	84	5,497	5,497	NUM
easat-1490	199	85	5	5	NUM
easat-1490	199	86	llanera	llanera	NOUN
easat-1490	199	87	7,194	7,194	NUM
easat-1490	199	88	7	7	NUM
easat-1490	199	89	lupao	lupao	NOUN
easat-1490	199	90	7,825	7,825	NUM
easat-1490	199	91	7	7	NUM
easat-1490	199	92	muñoz	muñoz	PROPN
easat-1490	199	93	15,042	15,042	NUM
easat-1490	199	94	14	14	NUM
easat-1490	199	95	nampicuan	nampicuan	PROPN
easat-1490	199	96	2,672	2,672	NUM
easat-1490	199	97	3	3	NUM
easat-1490	199	98	palayan	palayan	NOUN
easat-1490	199	99	7,936	7,936	NUM
easat-1490	199	100	8	8	NUM
easat-1490	199	101	pantabangan	pantabangan	NOUN
easat-1490	199	102	6,150	6,150	NUM
easat-1490	199	103	6	6	NUM
easat-1490	199	104	peñaranda	peñaranda	NOUN
easat-1490	199	105	5,663	5,663	NUM
easat-1490	199	106	5	5	NUM
easat-1490	199	107	quezon	quezon	NOUN
easat-1490	199	108	7,378	7,378	NUM
easat-1490	199	109	7	7	NUM
easat-1490	199	110	rizal	rizal	NOUN
easat-1490	199	111	11,698	11,698	NUM
easat-1490	199	112	11	11	NUM
easat-1490	199	113	san	san	PROPN
easat-1490	199	114	antonio	antonio	PROPN
easat-1490	199	115	14,569	14,569	NUM
easat-1490	199	116	14	14	NUM
easat-1490	199	117	san	san	PROPN
easat-1490	199	118	isidro	isidro	PROPN
easat-1490	199	119	9,317	9,317	NUM
easat-1490	199	120	9	9	NUM
easat-1490	199	121	san	san	PROPN
easat-1490	199	122	jose	jose	PROPN
easat-1490	199	123	26,612	26,612	NUM
easat-1490	199	124	25	25	NUM
easat-1490	199	125	san	san	PROPN
easat-1490	199	126	leonardo	leonardo	PROPN
easat-1490	199	127	12,199	12,199	NUM
easat-1490	199	128	12	12	NUM
easat-1490	199	129	sta	sta	NOUN
easat-1490	199	130	.	.	PUNCT
easat-1490	200	1	rosa	rosa	PROPN
easat-1490	200	2	13,507	13,507	NUM
easat-1490	200	3	13	13	NUM
easat-1490	200	4	sto	sto	NOUN
easat-1490	200	5	.	.	PUNCT
easat-1490	200	6	domingo	domingo	PROPN
easat-1490	200	7	10,836	10,836	NUM
easat-1490	200	8	10	10	NUM
easat-1490	200	9	talavera	talavera	NOUN
easat-1490	200	10	23,334	23,334	NUM
easat-1490	200	11	22	22	NUM
easat-1490	200	12	talugtug	talugtug	NOUN
easat-1490	200	13	4,223	4,223	NUM
easat-1490	200	14	4	4	NUM
easat-1490	200	15	zaragoza	zaragoza	PROPN
easat-1490	200	16	9,394	9,394	NUM
easat-1490	200	17	9	9	NUM
easat-1490	200	18	lupao	lupao	NOUN
easat-1490	200	19	7,825	7,825	NUM
easat-1490	200	20	7	7	NUM
easat-1490	200	21	muñoz	muñoz	PROPN
easat-1490	200	22	15,042	15,042	NUM
easat-1490	200	23	14	14	NUM
easat-1490	200	24	nampicuan	nampicuan	PROPN
easat-1490	200	25	2,672	2,672	NUM
easat-1490	200	26	3	3	NUM
easat-1490	200	27	palayan	palayan	NOUN
easat-1490	200	28	7,936	7,936	NUM
easat-1490	200	29	8	8	NUM
easat-1490	200	30	pantabangan	pantabangan	NOUN
easat-1490	200	31	6,150	6,150	NUM
easat-1490	200	32	6	6	NUM
easat-1490	200	33	peñaranda	peñaranda	NOUN
easat-1490	200	34	5,663	5,663	NUM
easat-1490	200	35	5	5	NUM
easat-1490	200	36	quezon	quezon	NOUN
easat-1490	200	37	7,378	7,378	NUM
easat-1490	200	38	7	7	NUM
easat-1490	200	39	rizal	rizal	NOUN
easat-1490	200	40	11,698	11,698	NUM
easat-1490	200	41	11	11	NUM
easat-1490	200	42	san	san	PROPN
easat-1490	200	43	antonio	antonio	PROPN
easat-1490	200	44	14,569	14,569	NUM
easat-1490	200	45	14	14	NUM
easat-1490	200	46	san	san	PROPN
easat-1490	200	47	isidro	isidro	PROPN
easat-1490	200	48	9,317	9,317	NUM
easat-1490	200	49	9	9	NUM
easat-1490	200	50	san	san	PROPN
easat-1490	200	51	jose	jose	PROPN
easat-1490	200	52	26,612	26,612	NUM
easat-1490	200	53	25	25	NUM
easat-1490	200	54	san	san	PROPN
easat-1490	200	55	leonardo	leonardo	PROPN
easat-1490	200	56	12,199	12,199	NUM
easat-1490	200	57	12	12	NUM
easat-1490	200	58	sta	sta	NOUN
easat-1490	200	59	.	.	PUNCT
easat-1490	201	1	rosa	rosa	PROPN
easat-1490	201	2	13,507	13,507	NUM
easat-1490	201	3	13	13	NUM
easat-1490	201	4	sto	sto	NOUN
easat-1490	201	5	.	.	PUNCT
easat-1490	201	6	domingo	domingo	PROPN
easat-1490	201	7	10,836	10,836	NUM
easat-1490	201	8	10	10	NUM
easat-1490	201	9	talavera	talavera	NOUN
easat-1490	201	10	23,334	23,334	NUM
easat-1490	201	11	22	22	NUM
easat-1490	201	12	talugtug	talugtug	NOUN
easat-1490	201	13	4,223	4,223	NUM
easat-1490	201	14	4	4	NUM
easat-1490	201	15	zaragoza	zaragoza	PROPN
easat-1490	201	16	9,394	9,394	NUM
easat-1490	201	17	9	9	NUM
easat-1490	201	18	total	total	NOUN
easat-1490	201	19	406,215	406,215	NUM
easat-1490	201	20	384	384	NUM
easat-1490	201	21	2.3	2.3	NUM
easat-1490	201	22	.	.	PUNCT
easat-1490	202	1	sample	sample	NOUN
easat-1490	202	2	and	and	CCONJ
easat-1490	202	3	sampling	sample	VERB
easat-1490	202	4	procedure	procedure	NOUN
easat-1490	202	5	the	the	DET
easat-1490	202	6	study	study	NOUN
easat-1490	202	7	focused	focus	VERB
easat-1490	202	8	on	on	ADP
easat-1490	202	9	a	a	DET
easat-1490	202	10	specific	specific	ADJ
easat-1490	202	11	demographic	demographic	ADJ
easat-1490	202	12	subset	subset	NOUN
easat-1490	202	13	of	of	ADP
easat-1490	202	14	e	e	NOUN
easat-1490	202	15	-	-	NOUN
easat-1490	202	16	wallet	wallet	NOUN
easat-1490	202	17	users	user	NOUN
easat-1490	202	18	,	,	PUNCT
easat-1490	202	19	namely	namely	ADV
easat-1490	202	20	individuals	individual	NOUN
easat-1490	202	21	aged	age	VERB
easat-1490	202	22	between	between	ADP
easat-1490	202	23	18	18	NUM
easat-1490	202	24	and	and	CCONJ
easat-1490	202	25	24	24	NUM
easat-1490	202	26	years	year	NOUN
easat-1490	202	27	old	old	ADJ
easat-1490	202	28	residing	reside	VERB
easat-1490	202	29	in	in	ADP
easat-1490	202	30	nueva	nueva	PROPN
easat-1490	202	31	ecija	ecija	PROPN
easat-1490	202	32	,	,	PUNCT
easat-1490	202	33	philippines	philippine	NOUN
easat-1490	202	34	.	.	PUNCT
easat-1490	203	1	the	the	DET
easat-1490	203	2	total	total	ADJ
easat-1490	203	3	sample	sample	NOUN
easat-1490	203	4	size	size	NOUN
easat-1490	203	5	consisted	consist	VERB
easat-1490	203	6	of	of	ADP
easat-1490	203	7	384	384	NUM
easat-1490	203	8	respondents	respondent	NOUN
easat-1490	203	9	,	,	PUNCT
easat-1490	203	10	drawn	draw	VERB
easat-1490	203	11	from	from	ADP
easat-1490	203	12	a	a	DET
easat-1490	203	13	population	population	NOUN
easat-1490	203	14	estimated	estimate	VERB
easat-1490	203	15	to	to	PART
easat-1490	203	16	be	be	AUX
easat-1490	203	17	406,215	406,215	NUM
easat-1490	203	18	individuals	individual	NOUN
easat-1490	203	19	within	within	ADP
easat-1490	203	20	the	the	DET
easat-1490	203	21	specified	specify	VERB
easat-1490	203	22	age	age	NOUN
easat-1490	203	23	range	range	NOUN
easat-1490	203	24	and	and	CCONJ
easat-1490	203	25	geographic	geographic	ADJ
easat-1490	203	26	location	location	NOUN
easat-1490	203	27	.	.	PUNCT
easat-1490	204	1	the	the	DET
easat-1490	204	2	determination	determination	NOUN
easat-1490	204	3	of	of	ADP
easat-1490	204	4	the	the	DET
easat-1490	204	5	sample	sample	NOUN
easat-1490	204	6	size	size	NOUN
easat-1490	204	7	followed	follow	VERB
easat-1490	204	8	a	a	DET
easat-1490	204	9	rigorous	rigorous	ADJ
easat-1490	204	10	methodology	methodology	NOUN
easat-1490	204	11	,	,	PUNCT
easat-1490	204	12	utilizing	utilize	VERB
easat-1490	204	13	the	the	DET
easat-1490	204	14	raosoft	raosoft	ADJ
easat-1490	204	15	application	application	NOUN
easat-1490	204	16	to	to	PART
easat-1490	204	17	calculate	calculate	VERB
easat-1490	204	18	a	a	DET
easat-1490	204	19	sample	sample	NOUN
easat-1490	204	20	size	size	NOUN
easat-1490	204	21	with	with	ADP
easat-1490	204	22	a	a	DET
easat-1490	204	23	95	95	NUM
easat-1490	204	24	%	%	NOUN
easat-1490	204	25	confidence	confidence	NOUN
easat-1490	204	26	level	level	NOUN
easat-1490	204	27	and	and	CCONJ
easat-1490	204	28	a	a	DET
easat-1490	204	29	5	5	NUM
easat-1490	204	30	%	%	NOUN
easat-1490	204	31	margin	margin	NOUN
easat-1490	204	32	of	of	ADP
easat-1490	204	33	error	error	NOUN
easat-1490	204	34	,	,	PUNCT
easat-1490	204	35	ensuring	ensure	VERB
easat-1490	204	36	statistical	statistical	ADJ
easat-1490	204	37	robustness	robustness	NOUN
easat-1490	204	38	and	and	CCONJ
easat-1490	204	39	reliability	reliability	NOUN
easat-1490	204	40	.	.	PUNCT
easat-1490	205	1	the	the	DET
easat-1490	205	2	researchers	researcher	NOUN
easat-1490	205	3	employed	employ	VERB
easat-1490	205	4	purposive	purposive	ADJ
easat-1490	205	5	sampling	sampling	NOUN
easat-1490	205	6	in	in	ADP
easat-1490	205	7	the	the	DET
easat-1490	205	8	study	study	NOUN
easat-1490	205	9	.	.	PUNCT
easat-1490	206	1	purposive	purposive	ADJ
easat-1490	206	2	sampling	sampling	NOUN
easat-1490	206	3	involves	involve	VERB
easat-1490	206	4	deliberately	deliberately	ADV
easat-1490	206	5	selecting	select	VERB
easat-1490	206	6	individuals	individual	NOUN
easat-1490	206	7	based	base	VERB
easat-1490	206	8	on	on	ADP
easat-1490	206	9	certain	certain	ADJ
easat-1490	206	10	criteria	criterion	NOUN
easat-1490	206	11	such	such	ADJ
easat-1490	206	12	as	as	ADP
easat-1490	206	13	their	their	PRON
easat-1490	206	14	qualities	quality	NOUN
easat-1490	206	15	,	,	PUNCT
easat-1490	206	16	expertise	expertise	NOUN
easat-1490	206	17	,	,	PUNCT
easat-1490	206	18	experiences	experience	NOUN
easat-1490	206	19	,	,	PUNCT
easat-1490	206	20	or	or	CCONJ
easat-1490	206	21	other	other	ADJ
easat-1490	206	22	relevant	relevant	ADJ
easat-1490	206	23	factors	factor	NOUN
easat-1490	206	24	(	(	PUNCT
easat-1490	206	25	ncsc,2022	ncsc,2022	NOUN
easat-1490	206	26	)	)	PUNCT
easat-1490	206	27	.	.	PUNCT
easat-1490	207	1	purposive	purposive	ADJ
easat-1490	207	2	sampling	sampling	NOUN
easat-1490	207	3	involves	involve	VERB
easat-1490	207	4	intentionally	intentionally	ADV
easat-1490	207	5	selecting	select	VERB
easat-1490	207	6	participants	participant	NOUN
easat-1490	207	7	who	who	PRON
easat-1490	207	8	closely	closely	ADV
easat-1490	207	9	align	align	VERB
easat-1490	207	10	with	with	ADP
easat-1490	207	11	the	the	DET
easat-1490	207	12	specific	specific	ADJ
easat-1490	207	13	goals	goal	NOUN
easat-1490	207	14	and	and	CCONJ
easat-1490	207	15	objectives	objective	NOUN
easat-1490	207	16	of	of	ADP
easat-1490	207	17	the	the	DET
easat-1490	207	18	research	research	NOUN
easat-1490	207	19	,	,	PUNCT
easat-1490	207	20	hence	hence	ADV
easat-1490	207	21	enhancing	enhance	VERB
easat-1490	207	22	the	the	DET
easat-1490	207	23	reliability	reliability	NOUN
easat-1490	207	24	1165	1165	NUM
easat-1490	207	25	edelweiss	edelweiss	PROPN
easat-1490	207	26	applied	apply	VERB
easat-1490	207	27	science	science	NOUN
easat-1490	207	28	and	and	CCONJ
easat-1490	207	29	technology	technology	NOUN
easat-1490	207	30	issn	issn	PROPN
easat-1490	207	31	:	:	PUNCT
easat-1490	207	32	2576	2576	NUM
easat-1490	207	33	-	-	SYM
easat-1490	207	34	8484	8484	NUM
easat-1490	207	35	vol	vol	NOUN
easat-1490	207	36	.	.	PROPN
easat-1490	207	37	8	8	NUM
easat-1490	207	38	,	,	PUNCT
easat-1490	207	39	no	no	INTJ
easat-1490	207	40	.	.	NOUN
easat-1490	207	41	4	4	NUM
easat-1490	207	42	:	:	SYM
easat-1490	207	43	1157	1157	NUM
easat-1490	207	44	-	-	SYM
easat-1490	207	45	1173	1173	NUM
easat-1490	207	46	,	,	PUNCT
easat-1490	207	47	2024	2024	NUM
easat-1490	207	48	doi	doi	NOUN
easat-1490	207	49	:	:	PUNCT
easat-1490	207	50	10.55214/25768484.v8i4.1490	10.55214/25768484.v8i4.1490	NUM
easat-1490	207	51	©	©	PROPN
easat-1490	207	52	2024	2024	NUM
easat-1490	207	53	by	by	ADP
easat-1490	207	54	the	the	DET
easat-1490	207	55	authors	author	NOUN
easat-1490	207	56	;	;	PUNCT
easat-1490	207	57	licensee	licensee	PROPN
easat-1490	207	58	learning	learn	VERB
easat-1490	207	59	gate	gate	NOUN
easat-1490	207	60	and	and	CCONJ
easat-1490	207	61	credibility	credibility	NOUN
easat-1490	207	62	of	of	ADP
easat-1490	207	63	the	the	DET
easat-1490	207	64	study	study	NOUN
easat-1490	207	65	's	's	PART
easat-1490	207	66	data	datum	NOUN
easat-1490	207	67	and	and	CCONJ
easat-1490	207	68	findings	finding	NOUN
easat-1490	207	69	.	.	PUNCT
easat-1490	208	1	campbell	campbell	PROPN
easat-1490	208	2	et	et	PROPN
easat-1490	208	3	al	al	PROPN
easat-1490	208	4	.	.	PROPN
easat-1490	208	5	(	(	PUNCT
easat-1490	208	6	2020	2020	NUM
easat-1490	208	7	)	)	PUNCT
easat-1490	208	8	explained	explain	VERB
easat-1490	208	9	that	that	SCONJ
easat-1490	208	10	the	the	DET
easat-1490	208	11	incorporation	incorporation	NOUN
easat-1490	208	12	of	of	ADP
easat-1490	208	13	participant	participant	ADJ
easat-1490	208	14	selection	selection	NOUN
easat-1490	208	15	method	method	NOUN
easat-1490	208	16	should	should	AUX
easat-1490	208	17	be	be	AUX
easat-1490	208	18	seamlessly	seamlessly	ADV
easat-1490	208	19	integrated	integrate	VERB
easat-1490	208	20	into	into	ADP
easat-1490	208	21	the	the	DET
easat-1490	208	22	overarching	overarching	ADJ
easat-1490	208	23	framework	framework	NOUN
easat-1490	208	24	of	of	ADP
easat-1490	208	25	any	any	DET
easat-1490	208	26	study	study	NOUN
easat-1490	208	27	,	,	PUNCT
easat-1490	208	28	ensuring	ensure	VERB
easat-1490	208	29	that	that	SCONJ
easat-1490	208	30	the	the	DET
easat-1490	208	31	justification	justification	NOUN
easat-1490	208	32	for	for	ADP
easat-1490	208	33	sample	sample	NOUN
easat-1490	208	34	selection	selection	NOUN
easat-1490	208	35	is	be	AUX
easat-1490	208	36	linked	link	VERB
easat-1490	208	37	with	with	ADP
easat-1490	208	38	the	the	DET
easat-1490	208	39	study	study	NOUN
easat-1490	208	40	's	's	PART
easat-1490	208	41	overarching	overarching	ADJ
easat-1490	208	42	objectives	objective	NOUN
easat-1490	208	43	.	.	PUNCT
easat-1490	209	1	the	the	DET
easat-1490	209	2	researchers	researcher	NOUN
easat-1490	209	3	employed	employ	VERB
easat-1490	209	4	purposive	purposive	NOUN
easat-1490	209	5	sampling	sampling	NOUN
easat-1490	209	6	to	to	PART
easat-1490	209	7	identify	identify	VERB
easat-1490	209	8	suitable	suitable	ADJ
easat-1490	209	9	respondents	respondent	NOUN
easat-1490	209	10	who	who	PRON
easat-1490	209	11	met	meet	VERB
easat-1490	209	12	the	the	DET
easat-1490	209	13	age	age	NOUN
easat-1490	209	14	criteria	criterion	NOUN
easat-1490	209	15	and	and	CCONJ
easat-1490	209	16	had	have	AUX
easat-1490	209	17	used	use	VERB
easat-1490	209	18	an	an	DET
easat-1490	209	19	e	e	NOUN
easat-1490	209	20	-	-	NOUN
easat-1490	209	21	wallet	wallet	NOUN
easat-1490	209	22	at	at	ADV
easat-1490	209	23	least	least	ADJ
easat-1490	209	24	once	once	ADV
easat-1490	209	25	.	.	PUNCT
easat-1490	210	1	by	by	ADP
easat-1490	210	2	selecting	select	VERB
easat-1490	210	3	participants	participant	NOUN
easat-1490	210	4	with	with	ADP
easat-1490	210	5	specific	specific	ADJ
easat-1490	210	6	characteristics	characteristic	NOUN
easat-1490	210	7	,	,	PUNCT
easat-1490	210	8	the	the	DET
easat-1490	210	9	researchers	researcher	NOUN
easat-1490	210	10	can	can	AUX
easat-1490	210	11	gain	gain	VERB
easat-1490	210	12	a	a	DET
easat-1490	210	13	deeper	deep	ADJ
easat-1490	210	14	understanding	understanding	NOUN
easat-1490	210	15	of	of	ADP
easat-1490	210	16	the	the	DET
easat-1490	210	17	factors	factor	NOUN
easat-1490	210	18	influencing	influence	VERB
easat-1490	210	19	e	e	NOUN
easat-1490	210	20	-	-	NOUN
easat-1490	210	21	wallet	wallet	NOUN
easat-1490	210	22	usage	usage	NOUN
easat-1490	210	23	within	within	ADP
easat-1490	210	24	a	a	DET
easat-1490	210	25	particular	particular	ADJ
easat-1490	210	26	age	age	NOUN
easat-1490	210	27	group	group	NOUN
easat-1490	210	28	.	.	PUNCT
easat-1490	211	1	2.4	2.4	NUM
easat-1490	211	2	.	.	PUNCT
easat-1490	211	3	research	research	NOUN
easat-1490	211	4	procedure	procedure	NOUN
easat-1490	211	5	following	follow	VERB
easat-1490	211	6	the	the	DET
easat-1490	211	7	approval	approval	NOUN
easat-1490	211	8	of	of	ADP
easat-1490	211	9	the	the	DET
easat-1490	211	10	research	research	NOUN
easat-1490	211	11	topic	topic	NOUN
easat-1490	211	12	"	"	PUNCT
easat-1490	211	13	examining	examine	VERB
easat-1490	211	14	the	the	DET
easat-1490	211	15	attitude	attitude	NOUN
easat-1490	211	16	of	of	ADP
easat-1490	211	17	consumers	consumer	NOUN
easat-1490	211	18	towards	towards	ADP
easat-1490	211	19	ewallet	ewallet	ADJ
easat-1490	211	20	utilization	utilization	NOUN
easat-1490	211	21	as	as	ADP
easat-1490	211	22	a	a	DET
easat-1490	211	23	payment	payment	NOUN
easat-1490	211	24	method	method	NOUN
easat-1490	211	25	using	use	VERB
easat-1490	211	26	the	the	DET
easat-1490	211	27	technology	technology	NOUN
easat-1490	211	28	acceptance	acceptance	NOUN
easat-1490	211	29	model	model	NOUN
easat-1490	211	30	:	:	PUNCT
easat-1490	211	31	a	a	DET
easat-1490	211	32	perspective	perspective	NOUN
easat-1490	211	33	from	from	ADP
easat-1490	211	34	the	the	DET
easat-1490	211	35	younger	young	ADJ
easat-1490	211	36	generation	generation	NOUN
easat-1490	211	37	in	in	ADP
easat-1490	211	38	nueva	nueva	PROPN
easat-1490	211	39	ecija	ecija	PROPN
easat-1490	211	40	,	,	PUNCT
easat-1490	211	41	philippines	philippine	NOUN
easat-1490	211	42	,	,	PUNCT
easat-1490	211	43	"	"	PUNCT
easat-1490	211	44	the	the	DET
easat-1490	211	45	researchers	researcher	NOUN
easat-1490	211	46	began	begin	VERB
easat-1490	211	47	collecting	collect	VERB
easat-1490	211	48	data	datum	NOUN
easat-1490	211	49	by	by	ADP
easat-1490	211	50	systematically	systematically	ADV
easat-1490	211	51	gathering	gather	VERB
easat-1490	211	52	relevant	relevant	ADJ
easat-1490	211	53	information	information	NOUN
easat-1490	211	54	from	from	ADP
easat-1490	211	55	reliable	reliable	ADJ
easat-1490	211	56	sources	source	NOUN
easat-1490	211	57	accessible	accessible	ADJ
easat-1490	211	58	on	on	ADP
easat-1490	211	59	the	the	DET
easat-1490	211	60	internet	internet	NOUN
easat-1490	211	61	.	.	PUNCT
easat-1490	212	1	this	this	DET
easat-1490	212	2	data	datum	NOUN
easat-1490	212	3	served	serve	VERB
easat-1490	212	4	as	as	ADP
easat-1490	212	5	the	the	DET
easat-1490	212	6	foundational	foundational	ADJ
easat-1490	212	7	basis	basis	NOUN
easat-1490	212	8	for	for	ADP
easat-1490	212	9	crafting	craft	VERB
easat-1490	212	10	meticulously	meticulously	ADV
easat-1490	212	11	designed	design	VERB
easat-1490	212	12	research	research	NOUN
easat-1490	212	13	questionnaires	questionnaire	NOUN
easat-1490	212	14	.	.	PUNCT
easat-1490	213	1	subsequently	subsequently	ADV
easat-1490	213	2	,	,	PUNCT
easat-1490	213	3	these	these	DET
easat-1490	213	4	questionnaires	questionnaire	NOUN
easat-1490	213	5	underwent	undergo	VERB
easat-1490	213	6	a	a	DET
easat-1490	213	7	rigorous	rigorous	ADJ
easat-1490	213	8	validation	validation	NOUN
easat-1490	213	9	process	process	NOUN
easat-1490	213	10	conducted	conduct	VERB
easat-1490	213	11	by	by	ADP
easat-1490	213	12	experts	expert	NOUN
easat-1490	213	13	in	in	ADP
easat-1490	213	14	the	the	DET
easat-1490	213	15	field	field	NOUN
easat-1490	213	16	of	of	ADP
easat-1490	213	17	business	business	NOUN
easat-1490	213	18	administration	administration	NOUN
easat-1490	213	19	,	,	PUNCT
easat-1490	213	20	information	information	NOUN
easat-1490	213	21	technology	technology	NOUN
easat-1490	213	22	,	,	PUNCT
easat-1490	213	23	and	and	CCONJ
easat-1490	213	24	research	research	NOUN
easat-1490	213	25	,	,	PUNCT
easat-1490	213	26	who	who	PRON
easat-1490	213	27	provided	provide	VERB
easat-1490	213	28	invaluable	invaluable	ADJ
easat-1490	213	29	feedback	feedback	NOUN
easat-1490	213	30	and	and	CCONJ
easat-1490	213	31	suggestions	suggestion	NOUN
easat-1490	213	32	aimed	aim	VERB
easat-1490	213	33	at	at	ADP
easat-1490	213	34	refining	refine	VERB
easat-1490	213	35	the	the	DET
easat-1490	213	36	research	research	NOUN
easat-1490	213	37	tool	tool	NOUN
easat-1490	213	38	.	.	PUNCT
easat-1490	214	1	following	follow	VERB
easat-1490	214	2	expert	expert	NOUN
easat-1490	214	3	validation	validation	NOUN
easat-1490	214	4	,	,	PUNCT
easat-1490	214	5	a	a	DET
easat-1490	214	6	trial	trial	NOUN
easat-1490	214	7	run	run	NOUN
easat-1490	214	8	was	be	AUX
easat-1490	214	9	conducted	conduct	VERB
easat-1490	214	10	to	to	PART
easat-1490	214	11	ascertain	ascertain	VERB
easat-1490	214	12	the	the	DET
easat-1490	214	13	dependability	dependability	NOUN
easat-1490	214	14	and	and	CCONJ
easat-1490	214	15	accuracy	accuracy	NOUN
easat-1490	214	16	of	of	ADP
easat-1490	214	17	the	the	DET
easat-1490	214	18	questionnaire	questionnaire	NOUN
easat-1490	214	19	,	,	PUNCT
easat-1490	214	20	with	with	ADP
easat-1490	214	21	particular	particular	ADJ
easat-1490	214	22	emphasis	emphasis	NOUN
easat-1490	214	23	on	on	ADP
easat-1490	214	24	assessing	assess	VERB
easat-1490	214	25	its	its	PRON
easat-1490	214	26	internal	internal	ADJ
easat-1490	214	27	consistency	consistency	NOUN
easat-1490	214	28	through	through	ADP
easat-1490	214	29	the	the	DET
easat-1490	214	30	evaluation	evaluation	NOUN
easat-1490	214	31	of	of	ADP
easat-1490	214	32	reliability	reliability	NOUN
easat-1490	214	33	coefficients	coefficient	NOUN
easat-1490	214	34	.	.	PUNCT
easat-1490	215	1	the	the	DET
easat-1490	215	2	successful	successful	ADJ
easat-1490	215	3	outcome	outcome	NOUN
easat-1490	215	4	of	of	ADP
easat-1490	215	5	reliability	reliability	NOUN
easat-1490	215	6	tests	test	NOUN
easat-1490	215	7	underscored	underscore	VERB
easat-1490	215	8	the	the	DET
easat-1490	215	9	robustness	robustness	NOUN
easat-1490	215	10	of	of	ADP
easat-1490	215	11	the	the	DET
easat-1490	215	12	research	research	NOUN
easat-1490	215	13	instrument	instrument	NOUN
easat-1490	215	14	.	.	PUNCT
easat-1490	216	1	expert	expert	ADJ
easat-1490	216	2	evaluation	evaluation	NOUN
easat-1490	216	3	of	of	ADP
easat-1490	216	4	the	the	DET
easat-1490	216	5	questionnaire	questionnaire	NOUN
easat-1490	216	6	further	far	ADV
easat-1490	216	7	confirmed	confirm	VERB
easat-1490	216	8	its	its	PRON
easat-1490	216	9	validity	validity	NOUN
easat-1490	216	10	,	,	PUNCT
easat-1490	216	11	as	as	SCONJ
easat-1490	216	12	indicated	indicate	VERB
easat-1490	216	13	by	by	ADP
easat-1490	216	14	a	a	DET
easat-1490	216	15	weighted	weight	VERB
easat-1490	216	16	mean	mean	NOUN
easat-1490	216	17	of	of	ADP
easat-1490	216	18	4.088	4.088	NUM
easat-1490	216	19	,	,	PUNCT
easat-1490	216	20	reflecting	reflect	VERB
easat-1490	216	21	a	a	DET
easat-1490	216	22	high	high	ADJ
easat-1490	216	23	level	level	NOUN
easat-1490	216	24	of	of	ADP
easat-1490	216	25	validity	validity	NOUN
easat-1490	216	26	.	.	PUNCT
easat-1490	217	1	with	with	ADP
easat-1490	217	2	positive	positive	ADJ
easat-1490	217	3	outcomes	outcome	NOUN
easat-1490	217	4	from	from	ADP
easat-1490	217	5	both	both	PRON
easat-1490	217	6	reliability	reliability	NOUN
easat-1490	217	7	and	and	CCONJ
easat-1490	217	8	validity	validity	NOUN
easat-1490	217	9	assessments	assessment	NOUN
easat-1490	217	10	,	,	PUNCT
easat-1490	217	11	the	the	DET
easat-1490	217	12	researchers	researcher	NOUN
easat-1490	217	13	proceeded	proceed	VERB
easat-1490	217	14	with	with	ADP
easat-1490	217	15	the	the	DET
easat-1490	217	16	study	study	NOUN
easat-1490	217	17	,	,	PUNCT
easat-1490	217	18	particularly	particularly	ADV
easat-1490	217	19	given	give	VERB
easat-1490	217	20	the	the	DET
easat-1490	217	21	planned	plan	VERB
easat-1490	217	22	online	online	ADJ
easat-1490	217	23	administration	administration	NOUN
easat-1490	217	24	of	of	ADP
easat-1490	217	25	the	the	DET
easat-1490	217	26	survey	survey	NOUN
easat-1490	217	27	questionnaire	questionnaire	NOUN
easat-1490	217	28	.	.	PUNCT
easat-1490	218	1	upon	upon	SCONJ
easat-1490	218	2	obtaining	obtain	VERB
easat-1490	218	3	the	the	DET
easat-1490	218	4	necessary	necessary	ADJ
easat-1490	218	5	permissions	permission	NOUN
easat-1490	218	6	,	,	PUNCT
easat-1490	218	7	the	the	DET
easat-1490	218	8	researchers	researcher	NOUN
easat-1490	218	9	proceeded	proceed	VERB
easat-1490	218	10	to	to	PART
easat-1490	218	11	obtain	obtain	VERB
easat-1490	218	12	consent	consent	NOUN
easat-1490	218	13	from	from	ADP
easat-1490	218	14	potential	potential	ADJ
easat-1490	218	15	respondents	respondent	NOUN
easat-1490	218	16	and	and	CCONJ
easat-1490	218	17	commenced	commence	VERB
easat-1490	218	18	the	the	DET
easat-1490	218	19	survey	survey	NOUN
easat-1490	218	20	administration	administration	NOUN
easat-1490	218	21	process	process	NOUN
easat-1490	218	22	.	.	PUNCT
easat-1490	219	1	following	follow	VERB
easat-1490	219	2	the	the	DET
easat-1490	219	3	validation	validation	NOUN
easat-1490	219	4	of	of	ADP
easat-1490	219	5	the	the	DET
easat-1490	219	6	questionnaires	questionnaire	NOUN
easat-1490	219	7	,	,	PUNCT
easat-1490	219	8	the	the	DET
easat-1490	219	9	researchers	researcher	NOUN
easat-1490	219	10	proceeded	proceed	VERB
easat-1490	219	11	to	to	PART
easat-1490	219	12	conduct	conduct	VERB
easat-1490	219	13	a	a	DET
easat-1490	219	14	pilot	pilot	NOUN
easat-1490	219	15	test	test	NOUN
easat-1490	219	16	to	to	PART
easat-1490	219	17	confirm	confirm	VERB
easat-1490	219	18	the	the	DET
easat-1490	219	19	accuracy	accuracy	NOUN
easat-1490	219	20	,	,	PUNCT
easat-1490	219	21	reliability	reliability	NOUN
easat-1490	219	22	,	,	PUNCT
easat-1490	219	23	and	and	CCONJ
easat-1490	219	24	effectiveness	effectiveness	NOUN
easat-1490	219	25	of	of	ADP
easat-1490	219	26	the	the	DET
easat-1490	219	27	research	research	NOUN
easat-1490	219	28	instruments	instrument	NOUN
easat-1490	219	29	.	.	PUNCT
easat-1490	220	1	here	here	ADV
easat-1490	220	2	are	be	AUX
easat-1490	220	3	the	the	DET
easat-1490	220	4	results	result	NOUN
easat-1490	220	5	for	for	ADP
easat-1490	220	6	the	the	DET
easat-1490	220	7	reliability	reliability	NOUN
easat-1490	220	8	of	of	ADP
easat-1490	220	9	each	each	DET
easat-1490	220	10	variable	variable	NOUN
easat-1490	220	11	:	:	PUNCT
easat-1490	220	12	the	the	DET
easat-1490	220	13	perceived	perceive	VERB
easat-1490	220	14	ease	ease	NOUN
easat-1490	220	15	of	of	ADP
easat-1490	220	16	use	use	NOUN
easat-1490	220	17	score	score	NOUN
easat-1490	220	18	is	be	AUX
easat-1490	220	19	0.8800	0.8800	NUM
easat-1490	220	20	,	,	PUNCT
easat-1490	220	21	and	and	CCONJ
easat-1490	220	22	perceived	perceive	VERB
easat-1490	220	23	usefulness	usefulness	NOUN
easat-1490	220	24	is	be	AUX
easat-1490	220	25	0.7860	0.7860	NOUN
easat-1490	220	26	,	,	PUNCT
easat-1490	220	27	indicating	indicate	VERB
easat-1490	220	28	that	that	SCONJ
easat-1490	220	29	the	the	DET
easat-1490	220	30	instrument	instrument	NOUN
easat-1490	220	31	used	use	VERB
easat-1490	220	32	has	have	VERB
easat-1490	220	33	excellent	excellent	ADJ
easat-1490	220	34	internal	internal	ADJ
easat-1490	220	35	consistency	consistency	NOUN
easat-1490	220	36	.	.	PUNCT
easat-1490	221	1	to	to	PART
easat-1490	221	2	address	address	VERB
easat-1490	221	3	the	the	DET
easat-1490	221	4	multifaceted	multifaceted	ADJ
easat-1490	221	5	influences	influence	NOUN
easat-1490	221	6	and	and	CCONJ
easat-1490	221	7	concerns	concern	NOUN
easat-1490	221	8	outlined	outline	VERB
easat-1490	221	9	in	in	ADP
easat-1490	221	10	the	the	DET
easat-1490	221	11	problem	problem	NOUN
easat-1490	221	12	statement	statement	NOUN
easat-1490	221	13	,	,	PUNCT
easat-1490	221	14	the	the	DET
easat-1490	221	15	researchers	researcher	NOUN
easat-1490	221	16	meticulously	meticulously	ADV
easat-1490	221	17	tailored	tailor	VERB
easat-1490	221	18	and	and	CCONJ
easat-1490	221	19	refined	refine	VERB
easat-1490	221	20	the	the	DET
easat-1490	221	21	questionnaires	questionnaire	NOUN
easat-1490	221	22	.	.	PUNCT
easat-1490	222	1	the	the	DET
easat-1490	222	2	survey	survey	NOUN
easat-1490	222	3	was	be	AUX
easat-1490	222	4	structured	structure	VERB
easat-1490	222	5	into	into	ADP
easat-1490	222	6	two	two	NUM
easat-1490	222	7	distinct	distinct	ADJ
easat-1490	222	8	sections	section	NOUN
easat-1490	222	9	,	,	PUNCT
easat-1490	222	10	encompassing	encompass	VERB
easat-1490	222	11	demographic	demographic	ADJ
easat-1490	222	12	information	information	NOUN
easat-1490	222	13	,	,	PUNCT
easat-1490	222	14	and	and	CCONJ
easat-1490	222	15	the	the	DET
easat-1490	222	16	assessment	assessment	NOUN
easat-1490	222	17	of	of	ADP
easat-1490	222	18	the	the	DET
easat-1490	222	19	use	use	NOUN
easat-1490	222	20	of	of	ADP
easat-1490	222	21	e	e	NOUN
easat-1490	222	22	-	-	NOUN
easat-1490	222	23	wallet	wallet	NOUN
easat-1490	222	24	using	use	VERB
easat-1490	222	25	tam	tam	PROPN
easat-1490	222	26	.	.	PUNCT
easat-1490	223	1	the	the	DET
easat-1490	223	2	likert	likert	ADJ
easat-1490	223	3	scale	scale	NOUN
easat-1490	223	4	was	be	AUX
easat-1490	223	5	employed	employ	VERB
easat-1490	223	6	to	to	PART
easat-1490	223	7	gauge	gauge	VERB
easat-1490	223	8	respondents	respondent	NOUN
easat-1490	223	9	'	'	PART
easat-1490	223	10	opinions	opinion	NOUN
easat-1490	223	11	on	on	ADP
easat-1490	223	12	e	e	NOUN
easat-1490	223	13	-	-	NOUN
easat-1490	223	14	wallet	wallet	NOUN
easat-1490	223	15	usage	usage	NOUN
easat-1490	223	16	,	,	PUNCT
easat-1490	223	17	allowing	allow	VERB
easat-1490	223	18	for	for	ADP
easat-1490	223	19	nuanced	nuanced	ADJ
easat-1490	223	20	and	and	CCONJ
easat-1490	223	21	quantifiable	quantifiable	ADJ
easat-1490	223	22	insights	insight	NOUN
easat-1490	223	23	into	into	ADP
easat-1490	223	24	consumer	consumer	NOUN
easat-1490	223	25	attitudes	attitude	NOUN
easat-1490	223	26	.	.	PUNCT
easat-1490	224	1	prior	prior	ADV
easat-1490	224	2	to	to	ADP
easat-1490	224	3	participation	participation	NOUN
easat-1490	224	4	,	,	PUNCT
easat-1490	224	5	respondents	respondent	NOUN
easat-1490	224	6	were	be	AUX
easat-1490	224	7	duly	duly	ADV
easat-1490	224	8	informed	inform	VERB
easat-1490	224	9	of	of	ADP
easat-1490	224	10	the	the	DET
easat-1490	224	11	voluntary	voluntary	ADJ
easat-1490	224	12	nature	nature	NOUN
easat-1490	224	13	of	of	ADP
easat-1490	224	14	their	their	PRON
easat-1490	224	15	involvement	involvement	NOUN
easat-1490	224	16	in	in	ADP
easat-1490	224	17	the	the	DET
easat-1490	224	18	research	research	NOUN
easat-1490	224	19	and	and	CCONJ
easat-1490	224	20	provided	provide	VERB
easat-1490	224	21	with	with	ADP
easat-1490	224	22	the	the	DET
easat-1490	224	23	option	option	NOUN
easat-1490	224	24	to	to	PART
easat-1490	224	25	withdraw	withdraw	VERB
easat-1490	224	26	at	at	ADP
easat-1490	224	27	any	any	DET
easat-1490	224	28	stage	stage	NOUN
easat-1490	224	29	.	.	PUNCT
easat-1490	225	1	additionally	additionally	ADV
easat-1490	225	2	,	,	PUNCT
easat-1490	225	3	assurances	assurance	NOUN
easat-1490	225	4	regarding	regard	VERB
easat-1490	225	5	the	the	DET
easat-1490	225	6	confidentiality	confidentiality	NOUN
easat-1490	225	7	of	of	ADP
easat-1490	225	8	their	their	PRON
easat-1490	225	9	responses	response	NOUN
easat-1490	225	10	were	be	AUX
easat-1490	225	11	explicitly	explicitly	ADV
easat-1490	225	12	conveyed	convey	VERB
easat-1490	225	13	to	to	PART
easat-1490	225	14	uphold	uphold	VERB
easat-1490	225	15	ethical	ethical	ADJ
easat-1490	225	16	standards	standard	NOUN
easat-1490	225	17	and	and	CCONJ
easat-1490	225	18	ensure	ensure	VERB
easat-1490	225	19	participant	participant	ADJ
easat-1490	225	20	confidentiality	confidentiality	NOUN
easat-1490	225	21	.	.	PUNCT
easat-1490	226	1	2.5	2.5	NUM
easat-1490	226	2	.	.	PUNCT
easat-1490	226	3	instruments	instrument	NOUN
easat-1490	226	4	,	,	PUNCT
easat-1490	226	5	and	and	CCONJ
easat-1490	226	6	data	datum	NOUN
easat-1490	226	7	collection	collection	NOUN
easat-1490	226	8	techniques	technique	NOUN
easat-1490	226	9	the	the	DET
easat-1490	226	10	researchers	researcher	NOUN
easat-1490	226	11	employed	employ	VERB
easat-1490	226	12	a	a	DET
easat-1490	226	13	survey	survey	NOUN
easat-1490	226	14	questionnaire	questionnaire	NOUN
easat-1490	226	15	administered	administer	VERB
easat-1490	226	16	via	via	ADP
easat-1490	226	17	face	face	NOUN
easat-1490	226	18	-	-	PUNCT
easat-1490	226	19	to	to	ADP
easat-1490	226	20	-	-	PUNCT
easat-1490	226	21	face	face	NOUN
easat-1490	226	22	interviews	interview	NOUN
easat-1490	226	23	,	,	PUNCT
easat-1490	226	24	which	which	PRON
easat-1490	226	25	allowed	allow	VERB
easat-1490	226	26	for	for	ADP
easat-1490	226	27	statistical	statistical	ADJ
easat-1490	226	28	analysis	analysis	NOUN
easat-1490	226	29	of	of	ADP
easat-1490	226	30	the	the	DET
easat-1490	226	31	findings	finding	NOUN
easat-1490	226	32	using	use	VERB
easat-1490	226	33	software	software	NOUN
easat-1490	226	34	.	.	PUNCT
easat-1490	227	1	survey	survey	NOUN
easat-1490	227	2	research	research	NOUN
easat-1490	227	3	is	be	AUX
easat-1490	227	4	the	the	DET
easat-1490	227	5	primary	primary	ADJ
easat-1490	227	6	and	and	CCONJ
easat-1490	227	7	essential	essential	ADJ
easat-1490	227	8	tool	tool	NOUN
easat-1490	227	9	for	for	ADP
easat-1490	227	10	all	all	DET
easat-1490	227	11	quantitative	quantitative	ADJ
easat-1490	227	12	outcome	outcome	NOUN
easat-1490	227	13	research	research	NOUN
easat-1490	227	14	approaches	approach	NOUN
easat-1490	227	15	and	and	CCONJ
easat-1490	227	16	studies	study	NOUN
easat-1490	227	17	.	.	PUNCT
easat-1490	228	1	survey	survey	NOUN
easat-1490	228	2	questionnaires	questionnaire	NOUN
easat-1490	228	3	consist	consist	VERB
easat-1490	228	4	of	of	ADP
easat-1490	228	5	a	a	DET
easat-1490	228	6	series	series	NOUN
easat-1490	228	7	of	of	ADP
easat-1490	228	8	inquiries	inquiry	NOUN
easat-1490	228	9	designed	design	VERB
easat-1490	228	10	to	to	PART
easat-1490	228	11	achieve	achieve	VERB
easat-1490	228	12	the	the	DET
easat-1490	228	13	goals	goal	NOUN
easat-1490	228	14	of	of	ADP
easat-1490	228	15	the	the	DET
easat-1490	228	16	study	study	NOUN
easat-1490	228	17	.	.	PUNCT
easat-1490	229	1	respondents	respondent	NOUN
easat-1490	229	2	are	be	AUX
easat-1490	229	3	encouraged	encourage	VERB
easat-1490	229	4	to	to	PART
easat-1490	229	5	complete	complete	VERB
easat-1490	229	6	the	the	DET
easat-1490	229	7	surveys	survey	NOUN
easat-1490	229	8	in	in	ADP
easat-1490	229	9	order	order	NOUN
easat-1490	229	10	to	to	PART
easat-1490	229	11	determine	determine	VERB
easat-1490	229	12	the	the	DET
easat-1490	229	13	impact	impact	NOUN
easat-1490	229	14	of	of	ADP
easat-1490	229	15	internal	internal	ADJ
easat-1490	229	16	and	and	CCONJ
easat-1490	229	17	external	external	ADJ
easat-1490	229	18	factors	factor	NOUN
easat-1490	229	19	on	on	ADP
easat-1490	229	20	customers	customer	NOUN
easat-1490	229	21	'	'	PART
easat-1490	229	22	attitudes	attitude	NOUN
easat-1490	229	23	towards	towards	ADP
easat-1490	229	24	e	e	NOUN
easat-1490	229	25	-	-	NOUN
easat-1490	229	26	wallets	wallet	NOUN
easat-1490	229	27	.	.	PUNCT
easat-1490	230	1	part	part	NOUN
easat-1490	230	2	i	i	PRON
easat-1490	230	3	includes	include	VERB
easat-1490	230	4	the	the	DET
easat-1490	230	5	description	description	NOUN
easat-1490	230	6	of	of	ADP
easat-1490	230	7	the	the	DET
easat-1490	230	8	demographic	demographic	ADJ
easat-1490	230	9	profile	profile	NOUN
easat-1490	230	10	of	of	ADP
easat-1490	230	11	the	the	DET
easat-1490	230	12	respondents	respondent	NOUN
easat-1490	230	13	.	.	PUNCT
easat-1490	231	1	it	it	PRON
easat-1490	231	2	was	be	AUX
easat-1490	231	3	constructed	construct	VERB
easat-1490	231	4	by	by	ADP
easat-1490	231	5	the	the	DET
easat-1490	231	6	researchers	researcher	NOUN
easat-1490	231	7	in	in	ADP
easat-1490	231	8	a	a	DET
easat-1490	231	9	checklist	checklist	NOUN
easat-1490	231	10	form	form	NOUN
easat-1490	231	11	.	.	PUNCT
easat-1490	232	1	part	part	NOUN
easat-1490	232	2	ii	ii	PROPN
easat-1490	232	3	consist	consist	NOUN
easat-1490	232	4	of	of	ADP
easat-1490	232	5	questions	question	NOUN
easat-1490	232	6	that	that	PRON
easat-1490	232	7	assessed	assess	VERB
easat-1490	232	8	the	the	DET
easat-1490	232	9	respondents	respondent	NOUN
easat-1490	232	10	’	’	PART
easat-1490	232	11	perception	perception	NOUN
easat-1490	232	12	of	of	ADP
easat-1490	232	13	the	the	DET
easat-1490	232	14	two	two	NUM
easat-1490	232	15	variables	variable	NOUN
easat-1490	232	16	:	:	PUNCT
easat-1490	232	17	perceived	perceive	VERB
easat-1490	232	18	ease	ease	NOUN
easat-1490	232	19	-	-	PUNCT
easat-1490	232	20	of	of	ADP
easat-1490	232	21	-	-	PUNCT
easat-1490	232	22	use	use	NOUN
easat-1490	232	23	and	and	CCONJ
easat-1490	232	24	perceived	perceive	VERB
easat-1490	232	25	usefulness	usefulness	NOUN
easat-1490	232	26	,	,	PUNCT
easat-1490	232	27	which	which	PRON
easat-1490	232	28	is	be	AUX
easat-1490	232	29	part	part	NOUN
easat-1490	232	30	of	of	ADP
easat-1490	232	31	the	the	DET
easat-1490	232	32	technology	technology	NOUN
easat-1490	232	33	acceptance	acceptance	NOUN
easat-1490	232	34	model	model	NOUN
easat-1490	232	35	.	.	PUNCT
easat-1490	233	1	it	it	PRON
easat-1490	233	2	was	be	AUX
easat-1490	233	3	1166	1166	NUM
easat-1490	233	4	edelweiss	edelweiss	PROPN
easat-1490	233	5	applied	apply	VERB
easat-1490	233	6	science	science	NOUN
easat-1490	233	7	and	and	CCONJ
easat-1490	233	8	technology	technology	NOUN
easat-1490	233	9	issn	issn	PROPN
easat-1490	233	10	:	:	PUNCT
easat-1490	233	11	2576	2576	NUM
easat-1490	233	12	-	-	SYM
easat-1490	233	13	8484	8484	NUM
easat-1490	233	14	vol	vol	NOUN
easat-1490	233	15	.	.	PROPN
easat-1490	233	16	8	8	NUM
easat-1490	233	17	,	,	PUNCT
easat-1490	233	18	no	no	INTJ
easat-1490	233	19	.	.	NOUN
easat-1490	234	1	4	4	NUM
easat-1490	234	2	:	:	SYM
easat-1490	234	3	1157	1157	NUM
easat-1490	234	4	-	-	SYM
easat-1490	234	5	1173	1173	NUM
easat-1490	234	6	,	,	PUNCT
easat-1490	234	7	2024	2024	NUM
easat-1490	234	8	doi	doi	NOUN
easat-1490	234	9	:	:	PUNCT
easat-1490	234	10	10.55214/25768484.v8i4.1490	10.55214/25768484.v8i4.1490	NUM
easat-1490	234	11	©	©	PROPN
easat-1490	234	12	2024	2024	NUM
easat-1490	234	13	by	by	ADP
easat-1490	234	14	the	the	DET
easat-1490	234	15	authors	author	NOUN
easat-1490	234	16	;	;	PUNCT
easat-1490	234	17	licensee	licensee	PROPN
easat-1490	234	18	learning	learning	NOUN
easat-1490	234	19	gate	gate	NOUN
easat-1490	234	20	formulated	formulate	VERB
easat-1490	234	21	in	in	ADP
easat-1490	234	22	the	the	DET
easat-1490	234	23	modified	modified	ADJ
easat-1490	234	24	4	4	NUM
easat-1490	234	25	-	-	PUNCT
easat-1490	234	26	point	point	NOUN
easat-1490	234	27	likert	likert	ADJ
easat-1490	234	28	scale	scale	NOUN
easat-1490	234	29	(	(	PUNCT
easat-1490	234	30	4	4	NUM
easat-1490	234	31	)	)	PUNCT
easat-1490	234	32	strongly	strongly	ADV
easat-1490	234	33	agree	agree	VERB
easat-1490	234	34	;	;	PUNCT
easat-1490	234	35	(	(	PUNCT
easat-1490	234	36	3	3	X
easat-1490	234	37	)	)	PUNCT
easat-1490	234	38	agree	agree	VERB
easat-1490	234	39	;	;	PUNCT
easat-1490	234	40	(	(	PUNCT
easat-1490	234	41	2	2	X
easat-1490	234	42	)	)	PUNCT
easat-1490	234	43	disagree	disagree	VERB
easat-1490	234	44	;	;	PUNCT
easat-1490	234	45	(	(	PUNCT
easat-1490	234	46	1	1	X
easat-1490	234	47	)	)	PUNCT
easat-1490	234	48	strongly	strongly	ADV
easat-1490	234	49	disagree	disagree	VERB
easat-1490	234	50	.	.	PUNCT
easat-1490	235	1	the	the	DET
easat-1490	235	2	questionnaire	questionnaire	NOUN
easat-1490	235	3	was	be	AUX
easat-1490	235	4	adopted	adopt	VERB
easat-1490	235	5	and	and	CCONJ
easat-1490	235	6	modified	modify	VERB
easat-1490	235	7	from	from	ADP
easat-1490	235	8	the	the	DET
easat-1490	235	9	study	study	NOUN
easat-1490	235	10	entitled	entitle	VERB
easat-1490	235	11	“	"	PUNCT
easat-1490	235	12	the	the	DET
easat-1490	235	13	mediating	mediate	VERB
easat-1490	235	14	effect	effect	NOUN
easat-1490	235	15	of	of	ADP
easat-1490	235	16	attitudes	attitude	NOUN
easat-1490	235	17	on	on	ADP
easat-1490	235	18	e	e	NOUN
easat-1490	235	19	-	-	NOUN
easat-1490	235	20	wallet	wallet	NOUN
easat-1490	235	21	usage	usage	NOUN
easat-1490	235	22	among	among	ADP
easat-1490	235	23	users	user	NOUN
easat-1490	235	24	in	in	ADP
easat-1490	235	25	malaysia	malaysia	PROPN
easat-1490	235	26	published	publish	VERB
easat-1490	235	27	by	by	ADP
easat-1490	235	28	hasnah	hasnah	PROPN
easat-1490	235	29	abdul	abdul	PROPN
easat-1490	235	30	kadir	kadir	PROPN
easat-1490	235	31	et	et	PROPN
easat-1490	235	32	al	al	PROPN
easat-1490	235	33	.	.	PROPN
easat-1490	235	34	,	,	PUNCT
easat-1490	235	35	(	(	PUNCT
easat-1490	235	36	2022	2022	NUM
easat-1490	235	37	)	)	PUNCT
easat-1490	235	38	”	"	PUNCT
easat-1490	235	39	.	.	PUNCT
easat-1490	236	1	the	the	DET
easat-1490	236	2	respondents	respondent	NOUN
easat-1490	236	3	were	be	AUX
easat-1490	236	4	instructed	instruct	VERB
easat-1490	236	5	to	to	PART
easat-1490	236	6	rate	rate	VERB
easat-1490	236	7	the	the	DET
easat-1490	236	8	statements	statement	NOUN
easat-1490	236	9	and	and	CCONJ
easat-1490	236	10	answer	answer	VERB
easat-1490	236	11	the	the	DET
easat-1490	236	12	questions	question	NOUN
easat-1490	236	13	with	with	ADP
easat-1490	236	14	honesty	honesty	NOUN
easat-1490	236	15	.	.	PUNCT
easat-1490	237	1	2.6	2.6	NUM
easat-1490	237	2	.	.	PUNCT
easat-1490	238	1	data	datum	NOUN
easat-1490	238	2	analysis	analysis	NOUN
easat-1490	238	3	technique	technique	NOUN
easat-1490	238	4	the	the	DET
easat-1490	238	5	information	information	NOUN
easat-1490	238	6	gathered	gather	VERB
easat-1490	238	7	from	from	ADP
easat-1490	238	8	the	the	DET
easat-1490	238	9	locale	locale	NOUN
easat-1490	238	10	was	be	AUX
easat-1490	238	11	encoded	encode	VERB
easat-1490	238	12	,	,	PUNCT
easat-1490	238	13	totaled	total	VERB
easat-1490	238	14	,	,	PUNCT
easat-1490	238	15	and	and	CCONJ
easat-1490	238	16	examined	examine	VERB
easat-1490	238	17	.	.	PUNCT
easat-1490	239	1	the	the	DET
easat-1490	239	2	data	datum	NOUN
easat-1490	239	3	collected	collect	VERB
easat-1490	239	4	were	be	AUX
easat-1490	239	5	analyzed	analyze	VERB
easat-1490	239	6	using	use	VERB
easat-1490	239	7	statistical	statistical	ADJ
easat-1490	239	8	techniques	technique	NOUN
easat-1490	239	9	such	such	ADJ
easat-1490	239	10	as	as	ADP
easat-1490	239	11	percentage	percentage	NOUN
easat-1490	239	12	,	,	PUNCT
easat-1490	239	13	frequency	frequency	NOUN
easat-1490	239	14	distribution	distribution	NOUN
easat-1490	239	15	,	,	PUNCT
easat-1490	239	16	weighted	weight	VERB
easat-1490	239	17	mean	mean	ADJ
easat-1490	239	18	,	,	PUNCT
easat-1490	239	19	and	and	CCONJ
easat-1490	239	20	pearson	pearson	PROPN
easat-1490	239	21	r.	r.	PROPN
easat-1490	239	22	results	result	NOUN
easat-1490	239	23	were	be	AUX
easat-1490	239	24	interpreted	interpret	VERB
easat-1490	239	25	using	use	VERB
easat-1490	239	26	the	the	DET
easat-1490	239	27	scale	scale	NOUN
easat-1490	239	28	.	.	PUNCT
easat-1490	240	1	table	table	NOUN
easat-1490	240	2	2	2	NUM
easat-1490	240	3	.	.	PUNCT
easat-1490	240	4	scale	scale	NOUN
easat-1490	240	5	for	for	ADP
easat-1490	240	6	interpretation	interpretation	NOUN
easat-1490	240	7	.	.	PUNCT
easat-1490	241	1	scale	scale	NOUN
easat-1490	241	2	mean	mean	NOUN
easat-1490	241	3	range	range	NOUN
easat-1490	241	4	interpretation	interpretation	NOUN
easat-1490	241	5	description	description	NOUN
easat-1490	241	6	1	1	NUM
easat-1490	241	7	3.26	3.26	NUM
easat-1490	241	8	-	-	SYM
easat-1490	241	9	4.00	4.00	NUM
easat-1490	241	10	strongly	strongly	ADV
easat-1490	241	11	agree	agree	VERB
easat-1490	241	12	highly	highly	ADV
easat-1490	241	13	practiced	practice	VERB
easat-1490	241	14	2	2	NUM
easat-1490	241	15	2.51	2.51	NUM
easat-1490	241	16	3.25	3.25	NUM
easat-1490	241	17	agree	agree	VERB
easat-1490	241	18	practiced	practice	VERB
easat-1490	241	19	3	3	NUM
easat-1490	241	20	1.76	1.76	NUM
easat-1490	241	21	2.50	2.50	NUM
easat-1490	241	22	disagree	disagree	VERB
easat-1490	241	23	fairly	fairly	ADV
easat-1490	241	24	practiced	practice	VERB
easat-1490	241	25	4	4	NUM
easat-1490	241	26	1.00	1.00	NUM
easat-1490	241	27	-1.75	-1.75	NOUN
easat-1490	241	28	strongly	strongly	ADV
easat-1490	241	29	disagree	disagree	VERB
easat-1490	241	30	not	not	PART
easat-1490	241	31	practiced	practice	VERB
easat-1490	241	32	table	table	NOUN
easat-1490	241	33	2	2	NUM
easat-1490	241	34	present	present	NOUN
easat-1490	241	35	the	the	DET
easat-1490	241	36	scales	scale	NOUN
easat-1490	241	37	applied	apply	VERB
easat-1490	241	38	by	by	ADP
easat-1490	241	39	the	the	DET
easat-1490	241	40	researchers	researcher	NOUN
easat-1490	241	41	in	in	ADP
easat-1490	241	42	the	the	DET
easat-1490	241	43	interpretation	interpretation	NOUN
easat-1490	241	44	and	and	CCONJ
easat-1490	241	45	description	description	NOUN
easat-1490	241	46	of	of	ADP
easat-1490	241	47	data	datum	NOUN
easat-1490	241	48	under	under	ADP
easat-1490	241	49	internal	internal	ADJ
easat-1490	241	50	factors	factor	NOUN
easat-1490	241	51	such	such	ADJ
easat-1490	241	52	as	as	ADP
easat-1490	241	53	perceived	perceive	VERB
easat-1490	241	54	ease	ease	NOUN
easat-1490	241	55	-	-	PUNCT
easat-1490	241	56	of	of	ADP
easat-1490	241	57	-	-	PUNCT
easat-1490	241	58	use	use	NOUN
easat-1490	241	59	and	and	CCONJ
easat-1490	241	60	perceived	perceive	VERB
easat-1490	241	61	usefulness	usefulness	NOUN
easat-1490	241	62	,	,	PUNCT
easat-1490	241	63	and	and	CCONJ
easat-1490	241	64	external	external	ADJ
easat-1490	241	65	factors	factor	NOUN
easat-1490	241	66	such	such	ADJ
easat-1490	241	67	as	as	ADP
easat-1490	241	68	media	medium	NOUN
easat-1490	241	69	influence	influence	NOUN
easat-1490	241	70	and	and	CCONJ
easat-1490	241	71	peer	peer	NOUN
easat-1490	241	72	influence	influence	NOUN
easat-1490	241	73	.	.	PUNCT
easat-1490	242	1	to	to	PART
easat-1490	242	2	determine	determine	VERB
easat-1490	242	3	the	the	DET
easat-1490	242	4	favorable	favorable	ADJ
easat-1490	242	5	,	,	PUNCT
easat-1490	242	6	the	the	DET
easat-1490	242	7	researchers	researcher	NOUN
easat-1490	242	8	used	use	VERB
easat-1490	242	9	4	4	NUM
easat-1490	242	10	-	-	PUNCT
easat-1490	242	11	point	point	NOUN
easat-1490	242	12	likert	likert	ADJ
easat-1490	242	13	scale	scale	NOUN
easat-1490	242	14	.	.	PUNCT
easat-1490	243	1	table	table	NOUN
easat-1490	243	2	3	3	NUM
easat-1490	243	3	.	.	PUNCT
easat-1490	243	4	scale	scale	NOUN
easat-1490	243	5	used	use	VERB
easat-1490	243	6	for	for	ADP
easat-1490	243	7	interpretation	interpretation	NOUN
easat-1490	243	8	of	of	ADP
easat-1490	243	9	pearson	pearson	PROPN
easat-1490	243	10	r.	r.	PROPN
easat-1490	243	11	rvalue	rvalue	PROPN
easat-1490	243	12	(	(	PUNCT
easat-1490	243	13	size	size	NOUN
easat-1490	243	14	of	of	ADP
easat-1490	243	15	correlation	correlation	NOUN
easat-1490	243	16	)	)	PUNCT
easat-1490	243	17	interpretation	interpretation	NOUN
easat-1490	243	18	0.90	0.90	NUM
easat-1490	243	19	to	to	ADP
easat-1490	243	20	1.00	1.00	NUM
easat-1490	243	21	or	or	CCONJ
easat-1490	243	22	(	(	PUNCT
easat-1490	243	23	-0.90	-0.90	NUM
easat-1490	243	24	to	to	PART
easat-1490	243	25	-1.00	-1.00	NUM
easat-1490	243	26	)	)	PUNCT
easat-1490	243	27	very	very	ADV
easat-1490	243	28	high	high	ADJ
easat-1490	243	29	positive	positive	ADJ
easat-1490	243	30	(	(	PUNCT
easat-1490	243	31	or	or	CCONJ
easat-1490	243	32	negative	negative	ADJ
easat-1490	243	33	)	)	PUNCT
easat-1490	243	34	correlation	correlation	NOUN
easat-1490	243	35	0.70	0.70	NUM
easat-1490	243	36	to	to	ADP
easat-1490	243	37	0.89	0.89	NUM
easat-1490	243	38	or	or	CCONJ
easat-1490	243	39	(	(	PUNCT
easat-1490	243	40	-0.70	-0.70	NOUN
easat-1490	243	41	to	to	PART
easat-1490	243	42	-0.89	-0.89	NUM
easat-1490	243	43	)	)	PUNCT
easat-1490	243	44	high	high	ADV
easat-1490	243	45	positive	positive	ADJ
easat-1490	243	46	(	(	PUNCT
easat-1490	243	47	or	or	CCONJ
easat-1490	243	48	negative	negative	ADJ
easat-1490	243	49	)	)	PUNCT
easat-1490	243	50	correlation	correlation	NOUN
easat-1490	243	51	0.50	0.50	NUM
easat-1490	243	52	to	to	ADP
easat-1490	243	53	0.69	0.69	NUM
easat-1490	243	54	or	or	CCONJ
easat-1490	243	55	(	(	PUNCT
easat-1490	243	56	-0.50	-0.50	NUM
easat-1490	243	57	to	to	PART
easat-1490	243	58	-0.69	-0.69	NOUN
easat-1490	243	59	)	)	PUNCT
easat-1490	243	60	moderate	moderate	ADJ
easat-1490	243	61	positive	positive	ADJ
easat-1490	243	62	(	(	PUNCT
easat-1490	243	63	or	or	CCONJ
easat-1490	243	64	negative	negative	ADJ
easat-1490	243	65	)	)	PUNCT
easat-1490	243	66	correlation	correlation	NOUN
easat-1490	243	67	0.30	0.30	NUM
easat-1490	243	68	to	to	ADP
easat-1490	243	69	0.49	0.49	NUM
easat-1490	243	70	or	or	CCONJ
easat-1490	243	71	(	(	PUNCT
easat-1490	243	72	-0.30	-0.30	NOUN
easat-1490	243	73	to	to	PART
easat-1490	243	74	-0.49	-0.49	VERB
easat-1490	243	75	)	)	PUNCT
easat-1490	243	76	low	low	ADV
easat-1490	243	77	positive	positive	ADJ
easat-1490	243	78	(	(	PUNCT
easat-1490	243	79	or	or	CCONJ
easat-1490	243	80	negative	negative	ADJ
easat-1490	243	81	)	)	PUNCT
easat-1490	243	82	correlation	correlation	NOUN
easat-1490	243	83	0.10	0.10	NUM
easat-1490	243	84	to	to	ADP
easat-1490	243	85	0.29	0.29	NUM
easat-1490	243	86	or	or	CCONJ
easat-1490	243	87	(	(	PUNCT
easat-1490	243	88	-0.10	-0.10	NUM
easat-1490	243	89	to	to	ADP
easat-1490	243	90	-0.29	-0.29	NUM
easat-1490	243	91	)	)	PUNCT
easat-1490	243	92	very	very	ADV
easat-1490	243	93	low	low	ADV
easat-1490	243	94	positive	positive	ADJ
easat-1490	243	95	(	(	PUNCT
easat-1490	243	96	or	or	CCONJ
easat-1490	243	97	negative	negative	ADJ
easat-1490	243	98	)	)	PUNCT
easat-1490	243	99	correlation	correlation	NOUN
easat-1490	243	100	0.01	0.01	NUM
easat-1490	243	101	to	to	ADP
easat-1490	243	102	0.09	0.09	NUM
easat-1490	243	103	or	or	CCONJ
easat-1490	243	104	(	(	PUNCT
easat-1490	243	105	-0.01	-0.01	NUM
easat-1490	243	106	to	to	ADP
easat-1490	243	107	-0.09	-0.09	NUM
easat-1490	243	108	)	)	PUNCT
easat-1490	243	109	weak	weak	ADJ
easat-1490	243	110	positive	positive	ADJ
easat-1490	243	111	(	(	PUNCT
easat-1490	243	112	or	or	CCONJ
easat-1490	243	113	negative	negative	ADJ
easat-1490	243	114	)	)	PUNCT
easat-1490	243	115	correlation	correlation	NOUN
easat-1490	243	116	0.00	0.00	NUM
easat-1490	243	117	no	no	DET
easat-1490	243	118	correlation	correlation	NOUN
easat-1490	243	119	table	table	NOUN
easat-1490	243	120	3	3	NUM
easat-1490	243	121	shows	show	VERB
easat-1490	243	122	the	the	DET
easat-1490	243	123	scales	scale	NOUN
easat-1490	243	124	used	use	VERB
easat-1490	243	125	by	by	ADP
easat-1490	243	126	the	the	DET
easat-1490	243	127	researchers	researcher	NOUN
easat-1490	243	128	in	in	ADP
easat-1490	243	129	interpreting	interpret	VERB
easat-1490	243	130	the	the	DET
easat-1490	243	131	pearson	pearson	PROPN
easat-1490	243	132	r.	r.	PROPN
easat-1490	243	133	the	the	DET
easat-1490	243	134	researchers	researcher	NOUN
easat-1490	243	135	aim	aim	VERB
easat-1490	243	136	to	to	PART
easat-1490	243	137	determine	determine	VERB
easat-1490	243	138	the	the	DET
easat-1490	243	139	significant	significant	ADJ
easat-1490	243	140	relationship	relationship	NOUN
easat-1490	243	141	between	between	ADP
easat-1490	243	142	internal	internal	ADJ
easat-1490	243	143	and	and	CCONJ
easat-1490	243	144	external	external	ADJ
easat-1490	243	145	factors	factor	NOUN
easat-1490	243	146	and	and	CCONJ
easat-1490	243	147	consumer	consumer	NOUN
easat-1490	243	148	attitude	attitude	NOUN
easat-1490	243	149	.	.	PUNCT
easat-1490	244	1	aside	aside	ADV
easat-1490	244	2	from	from	ADP
easat-1490	244	3	the	the	DET
easat-1490	244	4	said	say	VERB
easat-1490	244	5	scale	scale	NOUN
easat-1490	244	6	,	,	PUNCT
easat-1490	244	7	the	the	DET
easat-1490	244	8	researchers	researcher	NOUN
easat-1490	244	9	used	use	VERB
easat-1490	244	10	the	the	DET
easat-1490	244	11	following	follow	VERB
easat-1490	244	12	statistical	statistical	ADJ
easat-1490	244	13	tools	tool	NOUN
easat-1490	244	14	to	to	PART
easat-1490	244	15	classify	classify	VERB
easat-1490	244	16	,	,	PUNCT
easat-1490	244	17	tabulate	tabulate	VERB
easat-1490	244	18	,	,	PUNCT
easat-1490	244	19	and	and	CCONJ
easat-1490	244	20	analyze	analyze	VERB
easat-1490	244	21	the	the	DET
easat-1490	244	22	data	datum	NOUN
easat-1490	244	23	following	follow	VERB
easat-1490	244	24	:	:	PUNCT
easat-1490	244	25	in	in	ADP
easat-1490	244	26	describing	describe	VERB
easat-1490	244	27	the	the	DET
easat-1490	244	28	demographic	demographic	ADJ
easat-1490	244	29	profile	profile	NOUN
easat-1490	244	30	of	of	ADP
easat-1490	244	31	the	the	DET
easat-1490	244	32	respondents	respondent	NOUN
easat-1490	244	33	,	,	PUNCT
easat-1490	244	34	the	the	DET
easat-1490	244	35	researchers	researcher	NOUN
easat-1490	244	36	used	use	VERB
easat-1490	244	37	frequency	frequency	NOUN
easat-1490	244	38	and	and	CCONJ
easat-1490	244	39	percentage	percentage	NOUN
easat-1490	244	40	;	;	PUNCT
easat-1490	244	41	to	to	PART
easat-1490	244	42	assess	assess	VERB
easat-1490	244	43	the	the	DET
easat-1490	244	44	attitude	attitude	NOUN
easat-1490	244	45	of	of	ADP
easat-1490	244	46	the	the	DET
easat-1490	244	47	respondents	respondent	NOUN
easat-1490	244	48	in	in	ADP
easat-1490	244	49	using	use	VERB
easat-1490	244	50	the	the	DET
easat-1490	244	51	e	e	NOUN
easat-1490	244	52	-	-	NOUN
easat-1490	244	53	wallet	wallet	NOUN
easat-1490	244	54	as	as	ADP
easat-1490	244	55	a	a	DET
easat-1490	244	56	payment	payment	NOUN
easat-1490	244	57	method	method	NOUN
easat-1490	244	58	in	in	ADP
easat-1490	244	59	terms	term	NOUN
easat-1490	244	60	of	of	ADP
easat-1490	244	61	the	the	DET
easat-1490	244	62	technology	technology	NOUN
easat-1490	244	63	acceptance	acceptance	NOUN
easat-1490	244	64	model	model	NOUN
easat-1490	244	65	the	the	DET
easat-1490	244	66	researchers	researcher	NOUN
easat-1490	244	67	employed	employ	VERB
easat-1490	244	68	weighted	weight	VERB
easat-1490	244	69	mean	mean	NOUN
easat-1490	244	70	and	and	CCONJ
easat-1490	244	71	ranking	ranking	ADJ
easat-1490	244	72	;	;	PUNCT
easat-1490	244	73	lastly	lastly	ADV
easat-1490	244	74	,	,	PUNCT
easat-1490	244	75	in	in	ADP
easat-1490	244	76	describing	describe	VERB
easat-1490	244	77	the	the	DET
easat-1490	244	78	significance	significance	NOUN
easat-1490	244	79	correlation	correlation	NOUN
easat-1490	244	80	between	between	ADP
easat-1490	244	81	the	the	DET
easat-1490	244	82	selected	select	VERB
easat-1490	244	83	demographic	demographic	ADJ
easat-1490	244	84	profile	profile	NOUN
easat-1490	244	85	of	of	ADP
easat-1490	244	86	the	the	DET
easat-1490	244	87	respondents	respondent	NOUN
easat-1490	244	88	and	and	CCONJ
easat-1490	244	89	their	their	PRON
easat-1490	244	90	assessment	assessment	NOUN
easat-1490	244	91	in	in	ADP
easat-1490	244	92	the	the	DET
easat-1490	244	93	use	use	NOUN
easat-1490	244	94	of	of	ADP
easat-1490	244	95	the	the	DET
easat-1490	244	96	e	e	NOUN
easat-1490	244	97	-	-	NOUN
easat-1490	244	98	wallet	wallet	NOUN
easat-1490	244	99	as	as	ADP
easat-1490	244	100	a	a	DET
easat-1490	244	101	payment	payment	NOUN
easat-1490	244	102	method	method	NOUN
easat-1490	244	103	in	in	ADP
easat-1490	244	104	terms	term	NOUN
easat-1490	244	105	of	of	ADP
easat-1490	244	106	the	the	DET
easat-1490	244	107	technology	technology	NOUN
easat-1490	244	108	acceptance	acceptance	NOUN
easat-1490	244	109	model	model	NOUN
easat-1490	244	110	,	,	PUNCT
easat-1490	244	111	the	the	DET
easat-1490	244	112	researchers	researcher	NOUN
easat-1490	244	113	used	use	VERB
easat-1490	244	114	pearson	pearson	PROPN
easat-1490	244	115	r	r	NOUN
easat-1490	244	116	correlation	correlation	NOUN
easat-1490	244	117	.	.	PUNCT
easat-1490	245	1	3	3	X
easat-1490	245	2	.	.	X
easat-1490	245	3	results	result	NOUN
easat-1490	245	4	and	and	CCONJ
easat-1490	245	5	discussion	discussion	NOUN
easat-1490	245	6	3.1	3.1	NUM
easat-1490	245	7	.	.	PUNCT
easat-1490	246	1	description	description	NOUN
easat-1490	246	2	of	of	ADP
easat-1490	246	3	the	the	DET
easat-1490	246	4	demographic	demographic	ADJ
easat-1490	246	5	profile	profile	NOUN
easat-1490	246	6	of	of	ADP
easat-1490	246	7	the	the	DET
easat-1490	246	8	respondents	respondent	NOUN
easat-1490	246	9	this	this	DET
easat-1490	246	10	part	part	NOUN
easat-1490	246	11	of	of	ADP
easat-1490	246	12	the	the	DET
easat-1490	246	13	study	study	NOUN
easat-1490	246	14	described	describe	VERB
easat-1490	246	15	the	the	DET
easat-1490	246	16	demographic	demographic	ADJ
easat-1490	246	17	profile	profile	NOUN
easat-1490	246	18	of	of	ADP
easat-1490	246	19	the	the	DET
easat-1490	246	20	respondents	respondent	NOUN
easat-1490	246	21	in	in	ADP
easat-1490	246	22	terms	term	NOUN
easat-1490	246	23	of	of	ADP
easat-1490	246	24	age	age	NOUN
easat-1490	246	25	,	,	PUNCT
easat-1490	246	26	sex	sex	NOUN
easat-1490	246	27	,	,	PUNCT
easat-1490	246	28	source	source	NOUN
easat-1490	246	29	of	of	ADP
easat-1490	246	30	fund	fund	NOUN
easat-1490	246	31	,	,	PUNCT
easat-1490	246	32	location	location	NOUN
easat-1490	246	33	,	,	PUNCT
easat-1490	246	34	and	and	CCONJ
easat-1490	246	35	year	year	NOUN
easat-1490	246	36	level	level	NOUN
easat-1490	246	37	.	.	PUNCT
easat-1490	247	1	table	table	NOUN
easat-1490	247	2	4	4	NUM
easat-1490	247	3	.	.	PUNCT
easat-1490	247	4	demographic	demographic	ADJ
easat-1490	247	5	profile	profile	NOUN
easat-1490	247	6	.	.	PUNCT
easat-1490	248	1	variables	variable	NOUN
easat-1490	248	2	frequency	frequency	NOUN
easat-1490	248	3	(	(	PUNCT
easat-1490	248	4	f	f	X
easat-1490	248	5	)	)	PUNCT
easat-1490	248	6	percentage	percentage	NOUN
easat-1490	248	7	(	(	PUNCT
easat-1490	248	8	%	%	INTJ
easat-1490	248	9	)	)	PUNCT
easat-1490	248	10	1167	1167	NUM
easat-1490	248	11	edelweiss	edelweiss	PROPN
easat-1490	248	12	applied	apply	VERB
easat-1490	248	13	science	science	NOUN
easat-1490	248	14	and	and	CCONJ
easat-1490	248	15	technology	technology	NOUN
easat-1490	248	16	issn	issn	PROPN
easat-1490	248	17	:	:	PUNCT
easat-1490	248	18	2576	2576	NUM
easat-1490	248	19	-	-	SYM
easat-1490	248	20	8484	8484	NUM
easat-1490	248	21	vol	vol	NOUN
easat-1490	248	22	.	.	PROPN
easat-1490	248	23	8	8	NUM
easat-1490	248	24	,	,	PUNCT
easat-1490	248	25	no	no	INTJ
easat-1490	248	26	.	.	NOUN
easat-1490	248	27	4	4	NUM
easat-1490	248	28	:	:	SYM
easat-1490	248	29	1157	1157	NUM
easat-1490	248	30	-	-	SYM
easat-1490	248	31	1173	1173	NUM
easat-1490	248	32	,	,	PUNCT
easat-1490	248	33	2024	2024	NUM
easat-1490	248	34	doi	doi	NOUN
easat-1490	248	35	:	:	PUNCT
easat-1490	248	36	10.55214/25768484.v8i4.1490	10.55214/25768484.v8i4.1490	NUM
easat-1490	248	37	©	©	PROPN
easat-1490	248	38	2024	2024	NUM
easat-1490	248	39	by	by	ADP
easat-1490	248	40	the	the	DET
easat-1490	248	41	authors	author	NOUN
easat-1490	248	42	;	;	PUNCT
easat-1490	248	43	licensee	licensee	PROPN
easat-1490	248	44	learning	learn	VERB
easat-1490	248	45	gate	gate	PROPN
easat-1490	248	46	variables	variables	PROPN
easat-1490	248	47	frequency	frequency	NOUN
easat-1490	248	48	(	(	PUNCT
easat-1490	248	49	f	f	X
easat-1490	248	50	)	)	PUNCT
easat-1490	248	51	percentage	percentage	NOUN
easat-1490	248	52	(	(	PUNCT
easat-1490	248	53	%	%	NOUN
easat-1490	248	54	)	)	PUNCT
easat-1490	248	55	age	age	NOUN
easat-1490	248	56	18	18	NUM
easat-1490	248	57	41	41	NUM
easat-1490	248	58	11	11	NUM
easat-1490	248	59	19	19	NUM
easat-1490	248	60	40	40	NUM
easat-1490	248	61	10	10	NUM
easat-1490	248	62	20	20	NUM
easat-1490	248	63	61	61	NUM
easat-1490	248	64	16	16	NUM
easat-1490	248	65	21	21	NUM
easat-1490	248	66	94	94	NUM
easat-1490	248	67	24	24	NUM
easat-1490	248	68	22	22	NUM
easat-1490	248	69	87	87	NUM
easat-1490	248	70	23	23	NUM
easat-1490	248	71	23	23	NUM
easat-1490	248	72	28	28	NUM
easat-1490	248	73	7	7	NUM
easat-1490	248	74	24	24	NUM
easat-1490	248	75	33	33	NUM
easat-1490	248	76	9	9	NUM
easat-1490	248	77	sex	sex	NOUN
easat-1490	248	78	male	male	NOUN
easat-1490	248	79	173	173	NUM
easat-1490	248	80	45	45	NUM
easat-1490	248	81	female	female	ADJ
easat-1490	248	82	211	211	NUM
easat-1490	248	83	55	55	NUM
easat-1490	248	84	source	source	NOUN
easat-1490	248	85	of	of	ADP
easat-1490	248	86	fund	fund	NOUN
easat-1490	248	87	*	*	PUNCT
easat-1490	248	88	*	*	PUNCT
easat-1490	248	89	allowance	allowance	NOUN
easat-1490	248	90	262	262	NUM
easat-1490	248	91	68	68	NUM
easat-1490	248	92	scholarship	scholarship	NOUN
easat-1490	248	93	48	48	NUM
easat-1490	248	94	13	13	NUM
easat-1490	248	95	job	job	NOUN
easat-1490	248	96	/	/	SYM
easat-1490	248	97	side	side	NOUN
easat-1490	248	98	hustle	hustle	NOUN
easat-1490	248	99	120	120	NUM
easat-1490	248	100	31	31	NUM
easat-1490	248	101	others	other	NOUN
easat-1490	248	102	0	0	NUM
easat-1490	248	103	0	0	NUM
easat-1490	248	104	location	location	NOUN
easat-1490	248	105	aliaga	aliaga	NOUN
easat-1490	248	106	11	11	NUM
easat-1490	248	107	3	3	NUM
easat-1490	248	108	bongabon	bongabon	NOUN
easat-1490	248	109	11	11	NUM
easat-1490	248	110	3	3	NUM
easat-1490	248	111	cabanatuan	cabanatuan	NOUN
easat-1490	248	112	56	56	NUM
easat-1490	248	113	15	15	NUM
easat-1490	248	114	cabiao	cabiao	NOUN
easat-1490	248	115	14	14	NUM
easat-1490	248	116	4	4	NUM
easat-1490	248	117	carranglan	carranglan	ADJ
easat-1490	248	118	8	8	NUM
easat-1490	248	119	2	2	NUM
easat-1490	248	120	cuyapo	cuyapo	NOUN
easat-1490	248	121	11	11	NUM
easat-1490	248	122	3	3	NUM
easat-1490	248	123	gabaldon	gabaldon	NOUN
easat-1490	248	124	6	6	NUM
easat-1490	248	125	2	2	NUM
easat-1490	248	126	gapan	gapan	NOUN
easat-1490	248	127	20	20	NUM
easat-1490	248	128	5	5	NUM
easat-1490	248	129	general	general	ADJ
easat-1490	248	130	mamerto	mamerto	PROPN
easat-1490	248	131	natividad	natividad	PROPN
easat-1490	248	132	8	8	NUM
easat-1490	248	133	2	2	NUM
easat-1490	248	134	general	general	ADJ
easat-1490	248	135	tinio	tinio	NOUN
easat-1490	248	136	9	9	NUM
easat-1490	248	137	2	2	NUM
easat-1490	248	138	guimba	guimba	NOUN
easat-1490	248	139	20	20	NUM
easat-1490	248	140	5	5	NUM
easat-1490	248	141	jaen	jaen	PROPN
easat-1490	248	142	13	13	NUM
easat-1490	248	143	3	3	NUM
easat-1490	248	144	laur	laur	NOUN
easat-1490	248	145	6	6	NUM
easat-1490	248	146	2	2	NUM
easat-1490	248	147	licab	licab	NOUN
easat-1490	248	148	5	5	NUM
easat-1490	248	149	1	1	NUM
easat-1490	248	150	llanera	llanera	PROPN
easat-1490	248	151	7	7	NUM
easat-1490	248	152	2	2	NUM
easat-1490	248	153	lupao	lupao	NOUN
easat-1490	248	154	7	7	NUM
easat-1490	248	155	2	2	NUM
easat-1490	248	156	muñoz	muñoz	PROPN
easat-1490	248	157	14	14	NUM
easat-1490	248	158	4	4	NUM
easat-1490	248	159	nampicuan	nampicuan	NOUN
easat-1490	248	160	3	3	NUM
easat-1490	248	161	1	1	NUM
easat-1490	248	162	palayan	palayan	NOUN
easat-1490	248	163	8	8	NUM
easat-1490	248	164	2	2	NUM
easat-1490	248	165	pantabangan	pantabangan	NOUN
easat-1490	248	166	6	6	NUM
easat-1490	248	167	2	2	NUM
easat-1490	248	168	peñaranda	peñaranda	NOUN
easat-1490	248	169	5	5	NUM
easat-1490	248	170	1	1	NUM
easat-1490	248	171	quezon	quezon	NOUN
easat-1490	248	172	7	7	NUM
easat-1490	248	173	2	2	NUM
easat-1490	248	174	rizal	rizal	NOUN
easat-1490	248	175	11	11	NUM
easat-1490	248	176	3	3	NUM
easat-1490	248	177	san	san	PROPN
easat-1490	248	178	anton	anton	PROPN
easat-1490	248	179	14	14	NUM
easat-1490	248	180	4	4	NUM
easat-1490	248	181	san	san	PROPN
easat-1490	248	182	isidro	isidro	PROPN
easat-1490	248	183	9	9	NUM
easat-1490	248	184	2	2	NUM
easat-1490	248	185	san	san	PROPN
easat-1490	248	186	jose	jose	PROPN
easat-1490	248	187	25	25	NUM
easat-1490	248	188	7	7	NUM
easat-1490	248	189	san	san	PROPN
easat-1490	248	190	leonardo	leonardo	PROPN
easat-1490	248	191	12	12	NUM
easat-1490	248	192	3	3	NUM
easat-1490	248	193	sta	sta	NOUN
easat-1490	248	194	.	.	PUNCT
easat-1490	249	1	rosa	rosa	PROPN
easat-1490	249	2	13	13	NUM
easat-1490	249	3	3	3	NUM
easat-1490	249	4	sto	sto	NOUN
easat-1490	249	5	.	.	PUNCT
easat-1490	249	6	domingo	domingo	PROPN
easat-1490	249	7	10	10	NUM
easat-1490	249	8	3	3	NUM
easat-1490	249	9	talavera	talavera	NOUN
easat-1490	249	10	22	22	NUM
easat-1490	249	11	6	6	NUM
easat-1490	249	12	talugtug	talugtug	NOUN
easat-1490	249	13	4	4	NUM
easat-1490	249	14	1	1	NUM
easat-1490	249	15	zaragoza	zaragoza	PROPN
easat-1490	249	16	9	9	NUM
easat-1490	249	17	2	2	NUM
easat-1490	249	18	1168	1168	NUM
easat-1490	249	19	edelweiss	edelweiss	PROPN
easat-1490	249	20	applied	apply	VERB
easat-1490	249	21	science	science	NOUN
easat-1490	249	22	and	and	CCONJ
easat-1490	249	23	technology	technology	NOUN
easat-1490	249	24	issn	issn	PROPN
easat-1490	249	25	:	:	PUNCT
easat-1490	249	26	2576	2576	NUM
easat-1490	249	27	-	-	SYM
easat-1490	249	28	8484	8484	NUM
easat-1490	249	29	vol	vol	NOUN
easat-1490	249	30	.	.	PROPN
easat-1490	249	31	8	8	NUM
easat-1490	249	32	,	,	PUNCT
easat-1490	249	33	no	no	INTJ
easat-1490	249	34	.	.	NOUN
easat-1490	249	35	4	4	NUM
easat-1490	249	36	:	:	SYM
easat-1490	249	37	1157	1157	NUM
easat-1490	249	38	-	-	SYM
easat-1490	249	39	1173	1173	NUM
easat-1490	249	40	,	,	PUNCT
easat-1490	249	41	2024	2024	NUM
easat-1490	249	42	doi	doi	NOUN
easat-1490	249	43	:	:	PUNCT
easat-1490	249	44	10.55214/25768484.v8i4.1490	10.55214/25768484.v8i4.1490	NUM
easat-1490	249	45	©	©	PROPN
easat-1490	249	46	2024	2024	NUM
easat-1490	249	47	by	by	ADP
easat-1490	249	48	the	the	DET
easat-1490	249	49	authors	author	NOUN
easat-1490	249	50	;	;	PUNCT
easat-1490	249	51	licensee	licensee	PROPN
easat-1490	249	52	learning	learn	VERB
easat-1490	249	53	gate	gate	NOUN
easat-1490	249	54	note	note	NOUN
easat-1490	249	55	:	:	PUNCT
easat-1490	249	56	*	*	PUNCT
easat-1490	249	57	*	*	PUNCT
easat-1490	249	58	multiple	multiple	ADJ
easat-1490	249	59	responses	response	NOUN
easat-1490	249	60	,	,	PUNCT
easat-1490	249	61	n=	n=	ADJ
easat-1490	249	62	384	384	NUM
easat-1490	249	63	table	table	NOUN
easat-1490	249	64	4	4	NUM
easat-1490	249	65	presents	present	VERB
easat-1490	249	66	a	a	DET
easat-1490	249	67	comprehensive	comprehensive	ADJ
easat-1490	249	68	overview	overview	NOUN
easat-1490	249	69	of	of	ADP
easat-1490	249	70	the	the	DET
easat-1490	249	71	demographic	demographic	ADJ
easat-1490	249	72	characteristics	characteristic	NOUN
easat-1490	249	73	of	of	ADP
easat-1490	249	74	the	the	DET
easat-1490	249	75	study	study	NOUN
easat-1490	249	76	participants	participant	NOUN
easat-1490	249	77	,	,	PUNCT
easat-1490	249	78	encompassing	encompass	VERB
easat-1490	249	79	variables	variable	NOUN
easat-1490	249	80	such	such	ADJ
easat-1490	249	81	as	as	ADP
easat-1490	249	82	age	age	NOUN
easat-1490	249	83	,	,	PUNCT
easat-1490	249	84	sex	sex	NOUN
easat-1490	249	85	,	,	PUNCT
easat-1490	249	86	funding	funding	NOUN
easat-1490	249	87	sources	source	NOUN
easat-1490	249	88	,	,	PUNCT
easat-1490	249	89	geographical	geographical	ADJ
easat-1490	249	90	location	location	NOUN
easat-1490	249	91	,	,	PUNCT
easat-1490	249	92	and	and	CCONJ
easat-1490	249	93	academic	academic	ADJ
easat-1490	249	94	year	year	NOUN
easat-1490	249	95	level	level	NOUN
easat-1490	249	96	.	.	PUNCT
easat-1490	250	1	upon	upon	SCONJ
easat-1490	250	2	careful	careful	ADJ
easat-1490	250	3	examination	examination	NOUN
easat-1490	250	4	of	of	ADP
easat-1490	250	5	the	the	DET
easat-1490	250	6	data	datum	NOUN
easat-1490	250	7	,	,	PUNCT
easat-1490	250	8	several	several	ADJ
easat-1490	250	9	notable	notable	ADJ
easat-1490	250	10	patterns	pattern	NOUN
easat-1490	250	11	emerge	emerge	VERB
easat-1490	250	12	,	,	PUNCT
easat-1490	250	13	shedding	shed	VERB
easat-1490	250	14	light	light	NOUN
easat-1490	250	15	on	on	ADP
easat-1490	250	16	the	the	DET
easat-1490	250	17	demographic	demographic	ADJ
easat-1490	250	18	composition	composition	NOUN
easat-1490	250	19	of	of	ADP
easat-1490	250	20	the	the	DET
easat-1490	250	21	sample	sample	NOUN
easat-1490	250	22	.	.	PUNCT
easat-1490	251	1	the	the	DET
easat-1490	251	2	findings	finding	NOUN
easat-1490	251	3	indicate	indicate	VERB
easat-1490	251	4	that	that	SCONJ
easat-1490	251	5	the	the	DET
easat-1490	251	6	most	most	ADV
easat-1490	251	7	prevalent	prevalent	ADJ
easat-1490	251	8	age	age	NOUN
easat-1490	251	9	group	group	NOUN
easat-1490	251	10	among	among	ADP
easat-1490	251	11	the	the	DET
easat-1490	251	12	participants	participant	NOUN
easat-1490	251	13	was	be	AUX
easat-1490	251	14	21	21	NUM
easat-1490	251	15	years	year	NOUN
easat-1490	251	16	old	old	ADJ
easat-1490	251	17	,	,	PUNCT
easat-1490	251	18	comprising	comprise	VERB
easat-1490	251	19	24	24	NUM
easat-1490	251	20	%	%	NOUN
easat-1490	251	21	of	of	ADP
easat-1490	251	22	the	the	DET
easat-1490	251	23	total	total	ADJ
easat-1490	251	24	sample	sample	NOUN
easat-1490	251	25	,	,	PUNCT
easat-1490	251	26	whereas	whereas	SCONJ
easat-1490	251	27	individuals	individual	NOUN
easat-1490	251	28	aged	age	VERB
easat-1490	251	29	23	23	NUM
easat-1490	251	30	years	year	NOUN
easat-1490	251	31	old	old	ADJ
easat-1490	251	32	represented	represent	VERB
easat-1490	251	33	the	the	DET
easat-1490	251	34	least	least	ADJ
easat-1490	251	35	common	common	ADJ
easat-1490	251	36	age	age	NOUN
easat-1490	251	37	cohort	cohort	NOUN
easat-1490	251	38	,	,	PUNCT
easat-1490	251	39	comprising	comprise	VERB
easat-1490	251	40	only	only	ADV
easat-1490	251	41	7	7	NUM
easat-1490	251	42	%	%	NOUN
easat-1490	251	43	of	of	ADP
easat-1490	251	44	the	the	DET
easat-1490	251	45	respondents	respondent	NOUN
easat-1490	251	46	.	.	PUNCT
easat-1490	252	1	the	the	DET
easat-1490	252	2	age	age	NOUN
easat-1490	252	3	distribution	distribution	NOUN
easat-1490	252	4	data	datum	NOUN
easat-1490	252	5	indicated	indicate	VERB
easat-1490	252	6	a	a	DET
easat-1490	252	7	prevalence	prevalence	NOUN
easat-1490	252	8	of	of	ADP
easat-1490	252	9	younger	young	ADJ
easat-1490	252	10	adults	adult	NOUN
easat-1490	252	11	within	within	ADP
easat-1490	252	12	the	the	DET
easat-1490	252	13	inquired	inquire	VERB
easat-1490	252	14	sample	sample	NOUN
easat-1490	252	15	size	size	NOUN
easat-1490	252	16	.	.	PUNCT
easat-1490	253	1	this	this	PRON
easat-1490	253	2	corresponds	correspond	VERB
easat-1490	253	3	to	to	ADP
easat-1490	253	4	the	the	DET
easat-1490	253	5	specific	specific	ADJ
easat-1490	253	6	demographic	demographic	NOUN
easat-1490	253	7	that	that	SCONJ
easat-1490	253	8	e	e	NOUN
easat-1490	253	9	-	-	NOUN
easat-1490	253	10	wallet	wallet	NOUN
easat-1490	253	11	users	user	NOUN
easat-1490	253	12	are	be	AUX
easat-1490	253	13	aimed	aim	VERB
easat-1490	253	14	at	at	ADP
easat-1490	253	15	,	,	PUNCT
easat-1490	253	16	indicating	indicate	VERB
easat-1490	253	17	that	that	SCONJ
easat-1490	253	18	younger	young	ADJ
easat-1490	253	19	generations	generation	NOUN
easat-1490	253	20	are	be	AUX
easat-1490	253	21	more	more	ADV
easat-1490	253	22	inclined	inclined	ADJ
easat-1490	253	23	to	to	PART
easat-1490	253	24	embrace	embrace	VERB
easat-1490	253	25	and	and	CCONJ
easat-1490	253	26	make	make	VERB
easat-1490	253	27	use	use	NOUN
easat-1490	253	28	of	of	ADP
easat-1490	253	29	e	e	NOUN
easat-1490	253	30	-	-	NOUN
easat-1490	253	31	wallets	wallet	NOUN
easat-1490	253	32	.	.	PUNCT
easat-1490	254	1	this	this	DET
easat-1490	254	2	tendency	tendency	NOUN
easat-1490	254	3	aligns	align	VERB
easat-1490	254	4	with	with	ADP
easat-1490	254	5	more	more	ADJ
easat-1490	254	6	general	general	ADJ
easat-1490	254	7	patterns	pattern	NOUN
easat-1490	254	8	of	of	ADP
easat-1490	254	9	technology	technology	NOUN
easat-1490	254	10	adoption	adoption	NOUN
easat-1490	254	11	,	,	PUNCT
easat-1490	254	12	in	in	ADP
easat-1490	254	13	which	which	PRON
easat-1490	254	14	younger	young	ADJ
easat-1490	254	15	generations	generation	NOUN
easat-1490	254	16	typically	typically	ADV
easat-1490	254	17	take	take	VERB
easat-1490	254	18	the	the	DET
easat-1490	254	19	lead	lead	NOUN
easat-1490	254	20	in	in	ADP
easat-1490	254	21	accepting	accept	VERB
easat-1490	254	22	new	new	ADJ
easat-1490	254	23	digital	digital	ADJ
easat-1490	254	24	solutions	solution	NOUN
easat-1490	254	25	.	.	PUNCT
easat-1490	255	1	in	in	ADP
easat-1490	255	2	terms	term	NOUN
easat-1490	255	3	of	of	ADP
easat-1490	255	4	sex	sex	NOUN
easat-1490	255	5	distribution	distribution	NOUN
easat-1490	255	6	,	,	PUNCT
easat-1490	255	7	females	female	NOUN
easat-1490	255	8	constituted	constitute	VERB
easat-1490	255	9	the	the	DET
easat-1490	255	10	majority	majority	NOUN
easat-1490	255	11	,	,	PUNCT
easat-1490	255	12	comprising	comprise	VERB
easat-1490	255	13	55	55	NUM
easat-1490	255	14	%	%	NOUN
easat-1490	255	15	of	of	ADP
easat-1490	255	16	the	the	DET
easat-1490	255	17	participant	participant	ADJ
easat-1490	255	18	pool	pool	NOUN
easat-1490	255	19	with	with	ADP
easat-1490	255	20	a	a	DET
easat-1490	255	21	total	total	NOUN
easat-1490	255	22	of	of	ADP
easat-1490	255	23	211	211	NUM
easat-1490	255	24	individuals	individual	NOUN
easat-1490	255	25	,	,	PUNCT
easat-1490	255	26	whereas	whereas	SCONJ
easat-1490	255	27	males	male	NOUN
easat-1490	255	28	accounted	account	VERB
easat-1490	255	29	for	for	ADP
easat-1490	255	30	45	45	NUM
easat-1490	255	31	%	%	NOUN
easat-1490	255	32	,	,	PUNCT
easat-1490	255	33	totaling	total	VERB
easat-1490	255	34	173	173	NUM
easat-1490	255	35	participants	participant	NOUN
easat-1490	255	36	.	.	PUNCT
easat-1490	256	1	the	the	DET
easat-1490	256	2	findings	finding	NOUN
easat-1490	256	3	on	on	ADP
easat-1490	256	4	sex	sex	NOUN
easat-1490	256	5	demonstrate	demonstrate	VERB
easat-1490	256	6	significant	significant	ADJ
easat-1490	256	7	patterns	pattern	NOUN
easat-1490	256	8	,	,	PUNCT
easat-1490	256	9	which	which	PRON
easat-1490	256	10	suggested	suggest	VERB
easat-1490	256	11	varying	vary	VERB
easat-1490	256	12	preferences	preference	NOUN
easat-1490	256	13	or	or	CCONJ
easat-1490	256	14	behaviors	behavior	NOUN
easat-1490	256	15	in	in	ADP
easat-1490	256	16	relation	relation	NOUN
easat-1490	256	17	to	to	ADP
easat-1490	256	18	e	e	NOUN
easat-1490	256	19	-	-	NOUN
easat-1490	256	20	wallet	wallet	NOUN
easat-1490	256	21	usage	usage	NOUN
easat-1490	256	22	among	among	ADP
easat-1490	256	23	different	different	ADJ
easat-1490	256	24	demographic	demographic	ADJ
easat-1490	256	25	categories	category	NOUN
easat-1490	256	26	.	.	PUNCT
easat-1490	257	1	a	a	DET
easat-1490	257	2	greater	great	ADJ
easat-1490	257	3	percentage	percentage	NOUN
easat-1490	257	4	of	of	ADP
easat-1490	257	5	female	female	ADJ
easat-1490	257	6	respondents	respondent	NOUN
easat-1490	257	7	may	may	AUX
easat-1490	257	8	indicate	indicate	VERB
easat-1490	257	9	a	a	DET
easat-1490	257	10	gender	gender	NOUN
easat-1490	257	11	-	-	PUNCT
easat-1490	257	12	related	relate	VERB
easat-1490	257	13	tendency	tendency	NOUN
easat-1490	257	14	towards	towards	ADP
easat-1490	257	15	the	the	DET
easat-1490	257	16	usage	usage	NOUN
easat-1490	257	17	of	of	ADP
easat-1490	257	18	e	e	NOUN
easat-1490	257	19	-	-	NOUN
easat-1490	257	20	wallets	wallet	NOUN
easat-1490	257	21	.	.	PUNCT
easat-1490	258	1	this	this	PRON
easat-1490	258	2	may	may	AUX
easat-1490	258	3	be	be	AUX
easat-1490	258	4	indicative	indicative	ADJ
easat-1490	258	5	of	of	ADP
easat-1490	258	6	women	woman	NOUN
easat-1490	258	7	's	's	PART
easat-1490	258	8	historically	historically	ADV
easat-1490	258	9	prominent	prominent	ADJ
easat-1490	258	10	roles	role	NOUN
easat-1490	258	11	in	in	ADP
easat-1490	258	12	overseeing	oversee	VERB
easat-1490	258	13	household	household	NOUN
easat-1490	258	14	finances	finance	NOUN
easat-1490	258	15	and	and	CCONJ
easat-1490	258	16	their	their	PRON
easat-1490	258	17	inclination	inclination	NOUN
easat-1490	258	18	towards	towards	ADP
easat-1490	258	19	the	the	DET
easat-1490	258	20	convenience	convenience	NOUN
easat-1490	258	21	provided	provide	VERB
easat-1490	258	22	by	by	ADP
easat-1490	258	23	e	e	NOUN
easat-1490	258	24	-	-	NOUN
easat-1490	258	25	wallets	wallet	NOUN
easat-1490	258	26	for	for	ADP
easat-1490	258	27	managing	manage	VERB
easat-1490	258	28	bill	bill	NOUN
easat-1490	258	29	payments	payment	NOUN
easat-1490	258	30	and	and	CCONJ
easat-1490	258	31	financial	financial	ADJ
easat-1490	258	32	transactions	transaction	NOUN
easat-1490	258	33	.	.	PUNCT
easat-1490	259	1	regarding	regard	VERB
easat-1490	259	2	sources	source	NOUN
easat-1490	259	3	of	of	ADP
easat-1490	259	4	funds	fund	NOUN
easat-1490	259	5	,	,	PUNCT
easat-1490	259	6	a	a	DET
easat-1490	259	7	significant	significant	ADJ
easat-1490	259	8	proportion	proportion	NOUN
easat-1490	259	9	of	of	ADP
easat-1490	259	10	participants	participant	NOUN
easat-1490	259	11	indicated	indicate	VERB
easat-1490	259	12	receiving	receive	VERB
easat-1490	259	13	allowances	allowance	NOUN
easat-1490	259	14	(	(	PUNCT
easat-1490	259	15	68	68	NUM
easat-1490	259	16	%	%	NOUN
easat-1490	259	17	)	)	PUNCT
easat-1490	259	18	,	,	PUNCT
easat-1490	259	19	while	while	SCONJ
easat-1490	259	20	a	a	DET
easat-1490	259	21	smaller	small	ADJ
easat-1490	259	22	percentage	percentage	NOUN
easat-1490	259	23	relied	rely	VERB
easat-1490	259	24	on	on	ADP
easat-1490	259	25	scholarships	scholarship	NOUN
easat-1490	259	26	(	(	PUNCT
easat-1490	259	27	13	13	NUM
easat-1490	259	28	%	%	NOUN
easat-1490	259	29	)	)	PUNCT
easat-1490	259	30	.	.	PUNCT
easat-1490	260	1	the	the	DET
easat-1490	260	2	data	datum	NOUN
easat-1490	260	3	indicated	indicate	VERB
easat-1490	260	4	that	that	SCONJ
easat-1490	260	5	personal	personal	ADJ
easat-1490	260	6	money	money	NOUN
easat-1490	260	7	was	be	AUX
easat-1490	260	8	the	the	DET
easat-1490	260	9	primary	primary	ADJ
easat-1490	260	10	source	source	NOUN
easat-1490	260	11	of	of	ADP
easat-1490	260	12	funds	fund	NOUN
easat-1490	260	13	,	,	PUNCT
easat-1490	260	14	rather	rather	ADV
easat-1490	260	15	than	than	ADP
easat-1490	260	16	help	help	NOUN
easat-1490	260	17	from	from	ADP
easat-1490	260	18	institutions	institution	NOUN
easat-1490	260	19	.	.	PUNCT
easat-1490	261	1	this	this	PRON
easat-1490	261	2	emphasizes	emphasize	VERB
easat-1490	261	3	the	the	DET
easat-1490	261	4	independence	independence	NOUN
easat-1490	261	5	in	in	ADP
easat-1490	261	6	financial	financial	ADJ
easat-1490	261	7	matters	matter	NOUN
easat-1490	261	8	and	and	CCONJ
easat-1490	261	9	the	the	DET
easat-1490	261	10	ability	ability	NOUN
easat-1490	261	11	to	to	PART
easat-1490	261	12	make	make	VERB
easat-1490	261	13	discretionary	discretionary	ADJ
easat-1490	261	14	purchases	purchase	NOUN
easat-1490	261	15	of	of	ADP
easat-1490	261	16	the	the	DET
easat-1490	261	17	individuals	individual	NOUN
easat-1490	261	18	polled	poll	VERB
easat-1490	261	19	.	.	PUNCT
easat-1490	262	1	the	the	DET
easat-1490	262	2	data	datum	NOUN
easat-1490	262	3	suggests	suggest	VERB
easat-1490	262	4	that	that	SCONJ
easat-1490	262	5	individuals	individual	NOUN
easat-1490	262	6	predominantly	predominantly	ADV
easat-1490	262	7	utilize	utilize	VERB
easat-1490	262	8	e	e	NOUN
easat-1490	262	9	-	-	NOUN
easat-1490	262	10	wallets	wallet	NOUN
easat-1490	262	11	for	for	ADP
easat-1490	262	12	personal	personal	ADJ
easat-1490	262	13	expenses	expense	NOUN
easat-1490	262	14	,	,	PUNCT
easat-1490	262	15	indicating	indicate	VERB
easat-1490	262	16	a	a	DET
easat-1490	262	17	shift	shift	NOUN
easat-1490	262	18	towards	towards	ADP
easat-1490	262	19	personal	personal	ADJ
easat-1490	262	20	financial	financial	ADJ
easat-1490	262	21	management	management	NOUN
easat-1490	262	22	and	and	CCONJ
easat-1490	262	23	autonomy	autonomy	NOUN
easat-1490	262	24	.	.	PUNCT
easat-1490	263	1	geographically	geographically	ADV
easat-1490	263	2	,	,	PUNCT
easat-1490	263	3	participants	participant	NOUN
easat-1490	263	4	predominantly	predominantly	ADV
easat-1490	263	5	hail	hail	VERB
easat-1490	263	6	from	from	ADP
easat-1490	263	7	cabanatuan	cabanatuan	PROPN
easat-1490	263	8	,	,	PUNCT
easat-1490	263	9	comprising	comprise	VERB
easat-1490	263	10	15	15	NUM
easat-1490	263	11	%	%	NOUN
easat-1490	263	12	of	of	ADP
easat-1490	263	13	the	the	DET
easat-1490	263	14	total	total	ADJ
easat-1490	263	15	sample	sample	NOUN
easat-1490	263	16	,	,	PUNCT
easat-1490	263	17	while	while	SCONJ
easat-1490	263	18	only	only	ADV
easat-1490	263	19	a	a	DET
easat-1490	263	20	minimal	minimal	ADJ
easat-1490	263	21	proportion	proportion	NOUN
easat-1490	263	22	(	(	PUNCT
easat-1490	263	23	1	1	NUM
easat-1490	263	24	%	%	NOUN
easat-1490	263	25	)	)	PUNCT
easat-1490	263	26	originate	originate	VERB
easat-1490	263	27	from	from	ADP
easat-1490	263	28	nampicuan	nampicuan	PROPN
easat-1490	263	29	.	.	PUNCT
easat-1490	264	1	the	the	DET
easat-1490	264	2	geographic	geographic	ADJ
easat-1490	264	3	distribution	distribution	NOUN
easat-1490	264	4	of	of	ADP
easat-1490	264	5	e	e	NOUN
easat-1490	264	6	-	-	NOUN
easat-1490	264	7	wallet	wallet	NOUN
easat-1490	264	8	users	user	NOUN
easat-1490	264	9	suggested	suggest	VERB
easat-1490	264	10	disparities	disparity	NOUN
easat-1490	264	11	in	in	ADP
easat-1490	264	12	the	the	DET
easat-1490	264	13	rates	rate	NOUN
easat-1490	264	14	of	of	ADP
easat-1490	264	15	adoption	adoption	NOUN
easat-1490	264	16	among	among	ADP
easat-1490	264	17	various	various	ADJ
easat-1490	264	18	areas	area	NOUN
easat-1490	264	19	within	within	ADP
easat-1490	264	20	the	the	DET
easat-1490	264	21	province	province	NOUN
easat-1490	264	22	.	.	PUNCT
easat-1490	265	1	these	these	DET
easat-1490	265	2	variances	variance	NOUN
easat-1490	265	3	seem	seem	VERB
easat-1490	265	4	to	to	PART
easat-1490	265	5	be	be	AUX
easat-1490	265	6	influenced	influence	VERB
easat-1490	265	7	by	by	ADP
easat-1490	265	8	factors	factor	NOUN
easat-1490	265	9	such	such	ADJ
easat-1490	265	10	as	as	ADP
easat-1490	265	11	the	the	DET
easat-1490	265	12	availability	availability	NOUN
easat-1490	265	13	of	of	ADP
easat-1490	265	14	internet	internet	NOUN
easat-1490	265	15	connection	connection	NOUN
easat-1490	265	16	and	and	CCONJ
easat-1490	265	17	the	the	DET
easat-1490	265	18	extent	extent	NOUN
easat-1490	265	19	to	to	PART
easat-1490	265	20	which	which	PRON
easat-1490	265	21	smartphones	smartphone	NOUN
easat-1490	265	22	are	be	AUX
easat-1490	265	23	used	use	VERB
easat-1490	265	24	.	.	PUNCT
easat-1490	266	1	the	the	DET
easat-1490	266	2	high	high	ADJ
easat-1490	266	3	prevalence	prevalence	NOUN
easat-1490	266	4	of	of	ADP
easat-1490	266	5	e	e	NOUN
easat-1490	266	6	-	-	NOUN
easat-1490	266	7	wallet	wallet	NOUN
easat-1490	266	8	usage	usage	NOUN
easat-1490	266	9	in	in	ADP
easat-1490	266	10	cabanatuan	cabanatuan	PROPN
easat-1490	266	11	can	can	AUX
easat-1490	266	12	be	be	AUX
easat-1490	266	13	linked	link	VERB
easat-1490	266	14	to	to	ADP
easat-1490	266	15	the	the	DET
easat-1490	266	16	superior	superior	ADJ
easat-1490	266	17	internet	internet	NOUN
easat-1490	266	18	infrastructure	infrastructure	NOUN
easat-1490	266	19	and	and	CCONJ
easat-1490	266	20	greater	great	ADJ
easat-1490	266	21	smartphone	smartphone	NOUN
easat-1490	266	22	penetration	penetration	NOUN
easat-1490	266	23	rates	rate	NOUN
easat-1490	266	24	in	in	ADP
easat-1490	266	25	the	the	DET
easat-1490	266	26	area	area	NOUN
easat-1490	266	27	,	,	PUNCT
easat-1490	266	28	which	which	PRON
easat-1490	266	29	have	have	AUX
easat-1490	266	30	created	create	VERB
easat-1490	266	31	a	a	DET
easat-1490	266	32	more	more	ADV
easat-1490	266	33	conducive	conducive	ADJ
easat-1490	266	34	atmosphere	atmosphere	NOUN
easat-1490	266	35	for	for	ADP
easat-1490	266	36	digital	digital	ADJ
easat-1490	266	37	payment	payment	NOUN
easat-1490	266	38	solutions	solution	NOUN
easat-1490	266	39	.	.	PUNCT
easat-1490	267	1	the	the	DET
easat-1490	267	2	survey	survey	NOUN
easat-1490	267	3	’s	’s	PART
easat-1490	267	4	findings	finding	NOUN
easat-1490	267	5	offer	offer	VERB
easat-1490	267	6	essential	essential	ADJ
easat-1490	267	7	background	background	NOUN
easat-1490	267	8	for	for	ADP
easat-1490	267	9	comprehending	comprehend	VERB
easat-1490	267	10	the	the	DET
easat-1490	267	11	patterns	pattern	NOUN
easat-1490	267	12	of	of	ADP
easat-1490	267	13	e	e	NOUN
easat-1490	267	14	-	-	NOUN
easat-1490	267	15	wallet	wallet	NOUN
easat-1490	267	16	usage	usage	NOUN
easat-1490	267	17	among	among	ADP
easat-1490	267	18	the	the	DET
easat-1490	267	19	population	population	NOUN
easat-1490	267	20	of	of	ADP
easat-1490	267	21	nueva	nueva	PROPN
easat-1490	267	22	ecija	ecija	PROPN
easat-1490	267	23	.	.	PUNCT
easat-1490	268	1	these	these	DET
easat-1490	268	2	insights	insight	NOUN
easat-1490	268	3	provide	provide	VERB
easat-1490	268	4	a	a	DET
easat-1490	268	5	deeper	deep	ADJ
easat-1490	268	6	understanding	understanding	NOUN
easat-1490	268	7	of	of	ADP
easat-1490	268	8	the	the	DET
easat-1490	268	9	fundamental	fundamental	ADJ
easat-1490	268	10	factors	factor	NOUN
easat-1490	268	11	and	and	CCONJ
easat-1490	268	12	forces	force	NOUN
easat-1490	268	13	that	that	PRON
easat-1490	268	14	influence	influence	VERB
easat-1490	268	15	consumer	consumer	NOUN
easat-1490	268	16	behavior	behavior	NOUN
easat-1490	268	17	,	,	PUNCT
easat-1490	268	18	including	include	VERB
easat-1490	268	19	factors	factor	NOUN
easat-1490	268	20	such	such	ADJ
easat-1490	268	21	as	as	ADP
easat-1490	268	22	age	age	NOUN
easat-1490	268	23	,	,	PUNCT
easat-1490	268	24	sex	sex	NOUN
easat-1490	268	25	,	,	PUNCT
easat-1490	268	26	financial	financial	ADJ
easat-1490	268	27	source	source	NOUN
easat-1490	268	28	and	and	CCONJ
easat-1490	268	29	location	location	NOUN
easat-1490	268	30	.	.	PUNCT
easat-1490	269	1	analyzing	analyze	VERB
easat-1490	269	2	these	these	DET
easat-1490	269	3	aspects	aspect	NOUN
easat-1490	269	4	can	can	AUX
easat-1490	269	5	provide	provide	VERB
easat-1490	269	6	insights	insight	NOUN
easat-1490	269	7	for	for	ADP
easat-1490	269	8	developing	develop	VERB
easat-1490	269	9	strategies	strategy	NOUN
easat-1490	269	10	to	to	PART
easat-1490	269	11	increase	increase	VERB
easat-1490	269	12	the	the	DET
easat-1490	269	13	use	use	NOUN
easat-1490	269	14	of	of	ADP
easat-1490	269	15	e	e	NOUN
easat-1490	269	16	-	-	NOUN
easat-1490	269	17	wallets	wallet	NOUN
easat-1490	269	18	and	and	CCONJ
easat-1490	269	19	customize	customize	VERB
easat-1490	269	20	digital	digital	ADJ
easat-1490	269	21	financial	financial	ADJ
easat-1490	269	22	services	service	NOUN
easat-1490	269	23	to	to	PART
easat-1490	269	24	cater	cater	VERB
easat-1490	269	25	to	to	ADP
easat-1490	269	26	the	the	DET
easat-1490	269	27	specific	specific	ADJ
easat-1490	269	28	requirements	requirement	NOUN
easat-1490	269	29	of	of	ADP
easat-1490	269	30	various	various	ADJ
easat-1490	269	31	demographic	demographic	ADJ
easat-1490	269	32	segments	segment	NOUN
easat-1490	269	33	in	in	ADP
easat-1490	269	34	the	the	DET
easat-1490	269	35	province	province	NOUN
easat-1490	269	36	.	.	PUNCT
easat-1490	270	1	table	table	NOUN
easat-1490	270	2	5	5	NUM
easat-1490	270	3	.	.	PUNCT
easat-1490	271	1	perceived	perceive	VERB
easat-1490	271	2	ease	ease	NOUN
easat-1490	271	3	-	-	PUNCT
easat-1490	271	4	of	of	ADP
easat-1490	271	5	-	-	PUNCT
easat-1490	271	6	use	use	NOUN
easat-1490	271	7	.	.	PUNCT
easat-1490	272	1	statement	statement	NOUN
easat-1490	272	2	weighted	weight	VERB
easat-1490	272	3	mean	mean	NOUN
easat-1490	272	4	1	1	X
easat-1490	272	5	.	.	PUNCT
easat-1490	273	1	i	i	PRON
easat-1490	273	2	find	find	VERB
easat-1490	273	3	it	it	PRON
easat-1490	273	4	easy	easy	ADJ
easat-1490	273	5	to	to	PART
easat-1490	273	6	download	download	VERB
easat-1490	273	7	e	e	NOUN
easat-1490	273	8	-	-	NOUN
easat-1490	273	9	wallet	wallet	NOUN
easat-1490	273	10	applications	application	NOUN
easat-1490	273	11	on	on	ADP
easat-1490	273	12	smartphones	smartphone	NOUN
easat-1490	273	13	.	.	PUNCT
easat-1490	274	1	3.48	3.48	NUM
easat-1490	274	2	2	2	NUM
easat-1490	274	3	.	.	PUNCT
easat-1490	275	1	i	i	PRON
easat-1490	275	2	find	find	VERB
easat-1490	275	3	it	it	PRON
easat-1490	275	4	convenient	convenient	ADJ
easat-1490	275	5	to	to	PART
easat-1490	275	6	make	make	VERB
easat-1490	275	7	purchases	purchase	NOUN
easat-1490	275	8	using	use	VERB
easat-1490	275	9	an	an	DET
easat-1490	275	10	e	e	NOUN
easat-1490	275	11	-	-	NOUN
easat-1490	275	12	wallet	wallet	NOUN
easat-1490	275	13	.	.	PUNCT
easat-1490	276	1	3.31	3.31	NUM
easat-1490	276	2	3	3	NUM
easat-1490	276	3	.	.	PUNCT
easat-1490	277	1	i	i	PRON
easat-1490	277	2	can	can	AUX
easat-1490	277	3	use	use	VERB
easat-1490	277	4	the	the	DET
easat-1490	277	5	e	e	NOUN
easat-1490	277	6	-	-	NOUN
easat-1490	277	7	wallet	wallet	NOUN
easat-1490	277	8	application	application	NOUN
easat-1490	277	9	effortless	effortless	NOUN
easat-1490	277	10	at	at	ADP
easat-1490	277	11	any	any	DET
easat-1490	277	12	time	time	NOUN
easat-1490	277	13	i	i	PRON
easat-1490	277	14	prefer	prefer	VERB
easat-1490	277	15	.	.	PUNCT
easat-1490	278	1	3.26	3.26	NUM
easat-1490	278	2	4	4	NUM
easat-1490	278	3	.	.	PUNCT
easat-1490	279	1	in	in	ADP
easat-1490	279	2	general	general	ADJ
easat-1490	279	3	,	,	PUNCT
easat-1490	279	4	utilizing	utilize	VERB
easat-1490	279	5	e	e	NOUN
easat-1490	279	6	-	-	NOUN
easat-1490	279	7	wallet	wallet	NOUN
easat-1490	279	8	is	be	AUX
easat-1490	279	9	effortless	effortless	ADJ
easat-1490	279	10	.	.	PUNCT
easat-1490	280	1	3.27	3.27	NUM
easat-1490	280	2	5	5	NUM
easat-1490	280	3	.	.	PUNCT
easat-1490	281	1	it	it	PRON
easat-1490	281	2	is	be	AUX
easat-1490	281	3	easy	easy	ADJ
easat-1490	281	4	for	for	SCONJ
easat-1490	281	5	me	i	PRON
easat-1490	281	6	to	to	PART
easat-1490	281	7	get	get	VERB
easat-1490	281	8	into	into	ADP
easat-1490	281	9	my	my	PRON
easat-1490	281	10	e	e	NOUN
easat-1490	281	11	-	-	NOUN
easat-1490	281	12	wallet	wallet	NOUN
easat-1490	281	13	by	by	ADP
easat-1490	281	14	signing	sign	VERB
easat-1490	281	15	in	in	ADP
easat-1490	281	16	.	.	PUNCT
easat-1490	282	1	3.32	3.32	NUM
easat-1490	282	2	6	6	NUM
easat-1490	282	3	.	.	PUNCT
easat-1490	283	1	i	i	PRON
easat-1490	283	2	find	find	VERB
easat-1490	283	3	it	it	PRON
easat-1490	283	4	simple	simple	ADJ
easat-1490	283	5	to	to	PART
easat-1490	283	6	add	add	VERB
easat-1490	283	7	money	money	NOUN
easat-1490	283	8	or	or	CCONJ
easat-1490	283	9	funds	fund	NOUN
easat-1490	283	10	in	in	ADP
easat-1490	283	11	my	my	PRON
easat-1490	283	12	e	e	NOUN
easat-1490	283	13	-	-	NOUN
easat-1490	283	14	wallet	wallet	NOUN
easat-1490	283	15	account	account	NOUN
easat-1490	283	16	.	.	PUNCT
easat-1490	284	1	3.28	3.28	NUM
easat-1490	284	2	7	7	NUM
easat-1490	284	3	.	.	PUNCT
easat-1490	285	1	i	i	PRON
easat-1490	285	2	find	find	VERB
easat-1490	285	3	the	the	DET
easat-1490	285	4	instructions	instruction	NOUN
easat-1490	285	5	for	for	ADP
easat-1490	285	6	using	use	VERB
easat-1490	285	7	e	e	NOUN
easat-1490	285	8	-	-	NOUN
easat-1490	285	9	wallet	wallet	NOUN
easat-1490	285	10	easy	easy	ADJ
easat-1490	285	11	to	to	PART
easat-1490	285	12	understand	understand	VERB
easat-1490	285	13	.	.	PUNCT
easat-1490	286	1	3.29	3.29	NUM
easat-1490	286	2	average	average	NOUN
easat-1490	286	3	weighted	weight	VERB
easat-1490	286	4	mean	mean	NOUN
easat-1490	286	5	3.31	3.31	NUM
easat-1490	286	6	note	note	NOUN
easat-1490	286	7	:	:	PUNCT
easat-1490	286	8	legends	legend	NOUN
easat-1490	286	9	for	for	ADP
easat-1490	286	10	weighted	weighted	ADJ
easat-1490	286	11	mean	mean	NOUN
easat-1490	286	12	:	:	PUNCT
easat-1490	286	13	1:00	1:00	NUM
easat-1490	286	14	-	-	SYM
easat-1490	286	15	1.75	1.75	NUM
easat-1490	286	16	strongly	strongly	ADV
easat-1490	286	17	disagree	disagree	VERB
easat-1490	286	18	;	;	PUNCT
easat-1490	286	19	1.76	1.76	NUM
easat-1490	286	20	–	–	PUNCT
easat-1490	286	21	2.50	2.50	NUM
easat-1490	286	22	disagree	disagree	NOUN
easat-1490	286	23	;	;	PUNCT
easat-1490	286	24	2.513.25	2.513.25	NUM
easat-1490	286	25	agree;3.26	agree;3.26	ADJ
easat-1490	286	26	-4.00	-4.00	NUM
easat-1490	286	27	strongly	strongly	ADV
easat-1490	286	28	agree	agree	VERB
easat-1490	286	29	1169	1169	NUM
easat-1490	286	30	edelweiss	edelweiss	PROPN
easat-1490	286	31	applied	apply	VERB
easat-1490	286	32	science	science	NOUN
easat-1490	286	33	and	and	CCONJ
easat-1490	286	34	technology	technology	NOUN
easat-1490	286	35	issn	issn	PROPN
easat-1490	286	36	:	:	PUNCT
easat-1490	286	37	2576	2576	NUM
easat-1490	286	38	-	-	SYM
easat-1490	286	39	8484	8484	NUM
easat-1490	286	40	vol	vol	NOUN
easat-1490	286	41	.	.	PROPN
easat-1490	286	42	8	8	NUM
easat-1490	286	43	,	,	PUNCT
easat-1490	286	44	no	no	INTJ
easat-1490	286	45	.	.	NOUN
easat-1490	286	46	4	4	NUM
easat-1490	286	47	:	:	SYM
easat-1490	286	48	1157	1157	NUM
easat-1490	286	49	-	-	SYM
easat-1490	286	50	1173	1173	NUM
easat-1490	286	51	,	,	PUNCT
easat-1490	286	52	2024	2024	NUM
easat-1490	286	53	doi	doi	NOUN
easat-1490	286	54	:	:	PUNCT
easat-1490	286	55	10.55214/25768484.v8i4.1490	10.55214/25768484.v8i4.1490	NUM
easat-1490	286	56	©	©	PROPN
easat-1490	286	57	2024	2024	NUM
easat-1490	286	58	by	by	ADP
easat-1490	286	59	the	the	DET
easat-1490	286	60	authors	author	NOUN
easat-1490	286	61	;	;	PUNCT
easat-1490	286	62	licensee	licensee	PROPN
easat-1490	286	63	learning	learning	NOUN
easat-1490	286	64	gate	gate	NOUN
easat-1490	286	65	3.2	3.2	NUM
easat-1490	286	66	.	.	PUNCT
easat-1490	287	1	assessment	assessment	NOUN
easat-1490	287	2	of	of	ADP
easat-1490	287	3	the	the	DET
easat-1490	287	4	attitude	attitude	NOUN
easat-1490	287	5	of	of	ADP
easat-1490	287	6	the	the	DET
easat-1490	287	7	respondents	respondent	NOUN
easat-1490	287	8	in	in	ADP
easat-1490	287	9	using	use	VERB
easat-1490	287	10	the	the	DET
easat-1490	287	11	e	e	NOUN
easat-1490	287	12	-	-	NOUN
easat-1490	287	13	wallet	wallet	NOUN
easat-1490	287	14	as	as	ADP
easat-1490	287	15	a	a	DET
easat-1490	287	16	payment	payment	NOUN
easat-1490	287	17	method	method	NOUN
easat-1490	287	18	in	in	ADP
easat-1490	287	19	terms	term	NOUN
easat-1490	287	20	of	of	ADP
easat-1490	287	21	the	the	DET
easat-1490	287	22	technology	technology	NOUN
easat-1490	287	23	acceptance	acceptance	NOUN
easat-1490	287	24	model	model	NOUN
easat-1490	287	25	3.2.1	3.2.1	NUM
easat-1490	287	26	.	.	PUNCT
easat-1490	288	1	perceived	perceive	VERB
easat-1490	288	2	ease	ease	NOUN
easat-1490	288	3	-	-	PUNCT
easat-1490	288	4	of	of	ADP
easat-1490	288	5	-	-	PUNCT
easat-1490	288	6	use	use	NOUN
easat-1490	288	7	when	when	SCONJ
easat-1490	288	8	it	it	PRON
easat-1490	288	9	comes	come	VERB
easat-1490	288	10	to	to	ADP
easat-1490	288	11	ease	ease	NOUN
easat-1490	288	12	of	of	ADP
easat-1490	288	13	use	use	NOUN
easat-1490	288	14	,	,	PUNCT
easat-1490	288	15	the	the	DET
easat-1490	288	16	data	datum	NOUN
easat-1490	288	17	shows	show	VERB
easat-1490	288	18	a	a	DET
easat-1490	288	19	weighted	weighted	ADJ
easat-1490	288	20	mean	mean	NOUN
easat-1490	288	21	of	of	ADP
easat-1490	288	22	3.31	3.31	NUM
easat-1490	288	23	,	,	PUNCT
easat-1490	288	24	indicating	indicate	VERB
easat-1490	288	25	a	a	DET
easat-1490	288	26	strong	strong	ADJ
easat-1490	288	27	consensus	consensus	NOUN
easat-1490	288	28	with	with	ADP
easat-1490	288	29	the	the	DET
easat-1490	288	30	label	label	NOUN
easat-1490	288	31	"	"	PUNCT
easat-1490	288	32	highly	highly	ADV
easat-1490	288	33	practiced	practice	VERB
easat-1490	288	34	.	.	PUNCT
easat-1490	288	35	"	"	PUNCT
easat-1490	289	1	in	in	ADP
easat-1490	289	2	particular	particular	ADJ
easat-1490	289	3	,	,	PUNCT
easat-1490	289	4	the	the	DET
easat-1490	289	5	statement	statement	NOUN
easat-1490	289	6	"	"	PUNCT
easat-1490	289	7	i	i	PRON
easat-1490	289	8	find	find	VERB
easat-1490	289	9	it	it	PRON
easat-1490	289	10	easy	easy	ADJ
easat-1490	289	11	to	to	PART
easat-1490	289	12	download	download	VERB
easat-1490	289	13	e	e	NOUN
easat-1490	289	14	-	-	NOUN
easat-1490	289	15	wallet	wallet	NOUN
easat-1490	289	16	applications	application	NOUN
easat-1490	289	17	on	on	ADP
easat-1490	289	18	smartphones	smartphone	NOUN
easat-1490	289	19	"	"	PUNCT
easat-1490	289	20	received	receive	VERB
easat-1490	289	21	the	the	DET
easat-1490	289	22	highest	high	ADJ
easat-1490	289	23	weighted	weight	VERB
easat-1490	289	24	mean	mean	NOUN
easat-1490	289	25	of	of	ADP
easat-1490	289	26	3.48	3.48	NUM
easat-1490	289	27	,	,	PUNCT
easat-1490	289	28	indicating	indicate	VERB
easat-1490	289	29	a	a	DET
easat-1490	289	30	strong	strong	ADJ
easat-1490	289	31	agreement	agreement	NOUN
easat-1490	289	32	with	with	ADP
easat-1490	289	33	the	the	DET
easat-1490	289	34	ease	ease	NOUN
easat-1490	289	35	of	of	ADP
easat-1490	289	36	downloading	download	VERB
easat-1490	289	37	e	e	NOUN
easat-1490	289	38	-	-	NOUN
easat-1490	289	39	wallet	wallet	NOUN
easat-1490	289	40	applications	application	NOUN
easat-1490	289	41	.	.	PUNCT
easat-1490	290	1	however	however	ADV
easat-1490	290	2	,	,	PUNCT
easat-1490	290	3	the	the	DET
easat-1490	290	4	e	e	NOUN
easat-1490	290	5	-	-	NOUN
easat-1490	290	6	wallet	wallet	NOUN
easat-1490	290	7	application	application	NOUN
easat-1490	290	8	,	,	PUNCT
easat-1490	290	9	with	with	ADP
easat-1490	290	10	its	its	PRON
easat-1490	290	11	effortless	effortless	ADJ
easat-1490	290	12	use	use	NOUN
easat-1490	290	13	at	at	ADP
easat-1490	290	14	any	any	DET
easat-1490	290	15	preferred	preferred	ADJ
easat-1490	290	16	time	time	NOUN
easat-1490	290	17	,	,	PUNCT
easat-1490	290	18	scored	score	VERB
easat-1490	290	19	a	a	DET
easat-1490	290	20	low	low	ADJ
easat-1490	290	21	mean	mean	NOUN
easat-1490	290	22	of	of	ADP
easat-1490	290	23	3.26	3.26	NUM
easat-1490	290	24	,	,	PUNCT
easat-1490	290	25	indicating	indicate	VERB
easat-1490	290	26	strong	strong	ADJ
easat-1490	290	27	agreement	agreement	NOUN
easat-1490	290	28	and	and	CCONJ
easat-1490	290	29	a	a	DET
easat-1490	290	30	perception	perception	NOUN
easat-1490	290	31	of	of	ADP
easat-1490	290	32	high	high	ADJ
easat-1490	290	33	proficiency	proficiency	NOUN
easat-1490	290	34	.	.	PUNCT
easat-1490	291	1	the	the	DET
easat-1490	291	2	study	study	NOUN
easat-1490	291	3	's	's	PART
easat-1490	291	4	findings	finding	NOUN
easat-1490	291	5	highlight	highlight	VERB
easat-1490	291	6	the	the	DET
easat-1490	291	7	general	general	ADJ
easat-1490	291	8	recognition	recognition	NOUN
easat-1490	291	9	among	among	ADP
easat-1490	291	10	younger	young	ADJ
easat-1490	291	11	generations	generation	NOUN
easat-1490	291	12	of	of	ADP
easat-1490	291	13	the	the	DET
easat-1490	291	14	convenience	convenience	NOUN
easat-1490	291	15	provided	provide	VERB
easat-1490	291	16	by	by	ADP
easat-1490	291	17	e	e	NOUN
easat-1490	291	18	-	-	NOUN
easat-1490	291	19	wallets	wallet	NOUN
easat-1490	291	20	,	,	PUNCT
easat-1490	291	21	especially	especially	ADV
easat-1490	291	22	in	in	ADP
easat-1490	291	23	terms	term	NOUN
easat-1490	291	24	of	of	ADP
easat-1490	291	25	their	their	PRON
easat-1490	291	26	perceived	perceive	VERB
easat-1490	291	27	ease	ease	NOUN
easat-1490	291	28	-	-	PUNCT
easat-1490	291	29	of	of	ADP
easat-1490	291	30	-	-	PUNCT
easat-1490	291	31	use	use	NOUN
easat-1490	291	32	on	on	ADP
easat-1490	291	33	different	different	ADJ
easat-1490	291	34	devices	device	NOUN
easat-1490	291	35	.	.	PUNCT
easat-1490	292	1	the	the	DET
easat-1490	292	2	respondents	respondent	NOUN
easat-1490	292	3	indicated	indicate	VERB
easat-1490	292	4	satisfaction	satisfaction	NOUN
easat-1490	292	5	with	with	ADP
easat-1490	292	6	the	the	DET
easat-1490	292	7	smooth	smooth	ADJ
easat-1490	292	8	procedure	procedure	NOUN
easat-1490	292	9	of	of	ADP
easat-1490	292	10	obtaining	obtain	VERB
easat-1490	292	11	and	and	CCONJ
easat-1490	292	12	using	use	VERB
easat-1490	292	13	e	e	NOUN
easat-1490	292	14	-	-	NOUN
easat-1490	292	15	wallet	wallet	NOUN
easat-1490	292	16	applications	application	NOUN
easat-1490	292	17	,	,	PUNCT
easat-1490	292	18	highlighting	highlight	VERB
easat-1490	292	19	the	the	DET
easat-1490	292	20	ease	ease	NOUN
easat-1490	292	21	of	of	ADP
easat-1490	292	22	downloading	download	VERB
easat-1490	292	23	the	the	DET
easat-1490	292	24	applications	application	NOUN
easat-1490	292	25	with	with	ADP
easat-1490	292	26	just	just	ADV
easat-1490	292	27	a	a	DET
easat-1490	292	28	few	few	ADJ
easat-1490	292	29	clicks	click	NOUN
easat-1490	292	30	on	on	ADP
easat-1490	292	31	their	their	PRON
easat-1490	292	32	smartphones	smartphone	NOUN
easat-1490	292	33	or	or	CCONJ
easat-1490	292	34	other	other	ADJ
easat-1490	292	35	compatible	compatible	ADJ
easat-1490	292	36	devices	device	NOUN
easat-1490	292	37	.	.	PUNCT
easat-1490	293	1	these	these	DET
easat-1490	293	2	views	view	NOUN
easat-1490	293	3	align	align	VERB
easat-1490	293	4	with	with	ADP
easat-1490	293	5	the	the	DET
easat-1490	293	6	wider	wide	ADJ
easat-1490	293	7	body	body	NOUN
easat-1490	293	8	of	of	ADP
easat-1490	293	9	literature	literature	NOUN
easat-1490	293	10	on	on	ADP
easat-1490	293	11	e	e	NOUN
easat-1490	293	12	-	-	NOUN
easat-1490	293	13	wallets	wallet	NOUN
easat-1490	293	14	,	,	PUNCT
easat-1490	293	15	which	which	PRON
easat-1490	293	16	emphasizes	emphasize	VERB
easat-1490	293	17	their	their	PRON
easat-1490	293	18	increasing	increase	VERB
easat-1490	293	19	popularity	popularity	NOUN
easat-1490	293	20	as	as	ADP
easat-1490	293	21	a	a	DET
easat-1490	293	22	favored	favor	VERB
easat-1490	293	23	method	method	NOUN
easat-1490	293	24	of	of	ADP
easat-1490	293	25	payment	payment	NOUN
easat-1490	293	26	due	due	ADP
easat-1490	293	27	to	to	ADP
easat-1490	293	28	their	their	PRON
easat-1490	293	29	inherent	inherent	ADJ
easat-1490	293	30	convenience	convenience	NOUN
easat-1490	293	31	,	,	PUNCT
easat-1490	293	32	variety	variety	NOUN
easat-1490	293	33	,	,	PUNCT
easat-1490	293	34	and	and	CCONJ
easat-1490	293	35	safety	safety	NOUN
easat-1490	293	36	.	.	PUNCT
easat-1490	294	1	according	accord	VERB
easat-1490	294	2	to	to	ADP
easat-1490	294	3	uddin	uddin	PROPN
easat-1490	294	4	and	and	CCONJ
easat-1490	294	5	akhi	akhi	PROPN
easat-1490	294	6	(	(	PUNCT
easat-1490	294	7	2014	2014	NUM
easat-1490	294	8	)	)	PUNCT
easat-1490	294	9	,	,	PUNCT
easat-1490	294	10	the	the	DET
easat-1490	294	11	widespread	widespread	ADJ
easat-1490	294	12	use	use	NOUN
easat-1490	294	13	of	of	ADP
easat-1490	294	14	e	e	NOUN
easat-1490	294	15	-	-	NOUN
easat-1490	294	16	wallets	wallet	NOUN
easat-1490	294	17	is	be	AUX
easat-1490	294	18	closely	closely	ADV
easat-1490	294	19	connected	connect	VERB
easat-1490	294	20	to	to	ADP
easat-1490	294	21	their	their	PRON
easat-1490	294	22	capacity	capacity	NOUN
easat-1490	294	23	to	to	PART
easat-1490	294	24	provide	provide	VERB
easat-1490	294	25	users	user	NOUN
easat-1490	294	26	with	with	ADP
easat-1490	294	27	a	a	DET
easat-1490	294	28	smooth	smooth	ADJ
easat-1490	294	29	and	and	CCONJ
easat-1490	294	30	safe	safe	ADJ
easat-1490	294	31	transaction	transaction	NOUN
easat-1490	294	32	process	process	NOUN
easat-1490	294	33	,	,	PUNCT
easat-1490	294	34	along	along	ADP
easat-1490	294	35	with	with	ADP
easat-1490	294	36	other	other	ADJ
easat-1490	294	37	advantages	advantage	NOUN
easat-1490	294	38	like	like	ADP
easat-1490	294	39	flexibility	flexibility	NOUN
easat-1490	294	40	and	and	CCONJ
easat-1490	294	41	rewards	reward	NOUN
easat-1490	294	42	.	.	PUNCT
easat-1490	295	1	e	e	X
easat-1490	295	2	-	-	NOUN
easat-1490	295	3	wallet	wallet	NOUN
easat-1490	295	4	technology	technology	NOUN
easat-1490	295	5	is	be	AUX
easat-1490	295	6	constantly	constantly	ADV
easat-1490	295	7	expanding	expand	VERB
easat-1490	295	8	,	,	PUNCT
easat-1490	295	9	improving	improve	VERB
easat-1490	295	10	its	its	PRON
easat-1490	295	11	functionality	functionality	NOUN
easat-1490	295	12	and	and	CCONJ
easat-1490	295	13	establishing	establish	VERB
easat-1490	295	14	itself	itself	PRON
easat-1490	295	15	as	as	ADP
easat-1490	295	16	a	a	DET
easat-1490	295	17	crucial	crucial	ADJ
easat-1490	295	18	component	component	NOUN
easat-1490	295	19	in	in	ADP
easat-1490	295	20	the	the	DET
easat-1490	295	21	ever	ever	ADV
easat-1490	295	22	-	-	PUNCT
easat-1490	295	23	changing	change	VERB
easat-1490	295	24	digital	digital	ADJ
easat-1490	295	25	payment	payment	NOUN
easat-1490	295	26	industry	industry	NOUN
easat-1490	295	27	.	.	PUNCT
easat-1490	296	1	as	as	SCONJ
easat-1490	296	2	technology	technology	NOUN
easat-1490	296	3	continues	continue	VERB
easat-1490	296	4	to	to	PART
easat-1490	296	5	progress	progress	VERB
easat-1490	296	6	,	,	PUNCT
easat-1490	296	7	e	e	NOUN
easat-1490	296	8	-	-	NOUN
easat-1490	296	9	wallets	wallet	NOUN
easat-1490	296	10	are	be	AUX
easat-1490	296	11	positioned	position	VERB
easat-1490	296	12	to	to	PART
easat-1490	296	13	play	play	VERB
easat-1490	296	14	a	a	DET
easat-1490	296	15	more	more	ADV
easat-1490	296	16	important	important	ADJ
easat-1490	296	17	role	role	NOUN
easat-1490	296	18	in	in	ADP
easat-1490	296	19	influencing	influence	VERB
easat-1490	296	20	how	how	SCONJ
easat-1490	296	21	consumers	consumer	NOUN
easat-1490	296	22	make	make	VERB
easat-1490	296	23	payments	payment	NOUN
easat-1490	296	24	.	.	PUNCT
easat-1490	297	1	their	their	PRON
easat-1490	297	2	ability	ability	NOUN
easat-1490	297	3	to	to	PART
easat-1490	297	4	offer	offer	VERB
easat-1490	297	5	improved	improved	ADJ
easat-1490	297	6	convenience	convenience	NOUN
easat-1490	297	7	and	and	CCONJ
easat-1490	297	8	security	security	NOUN
easat-1490	297	9	to	to	ADP
easat-1490	297	10	users	user	NOUN
easat-1490	297	11	is	be	AUX
easat-1490	297	12	in	in	ADP
easat-1490	297	13	line	line	NOUN
easat-1490	297	14	with	with	ADP
easat-1490	297	15	the	the	DET
easat-1490	297	16	changing	change	VERB
easat-1490	297	17	expectations	expectation	NOUN
easat-1490	297	18	of	of	ADP
easat-1490	297	19	contemporary	contemporary	ADJ
easat-1490	297	20	consumers	consumer	NOUN
easat-1490	297	21	who	who	PRON
easat-1490	297	22	emphasize	emphasize	VERB
easat-1490	297	23	efficiency	efficiency	NOUN
easat-1490	297	24	and	and	CCONJ
easat-1490	297	25	safety	safety	NOUN
easat-1490	297	26	in	in	ADP
easat-1490	297	27	their	their	PRON
easat-1490	297	28	financial	financial	ADJ
easat-1490	297	29	operations	operation	NOUN
easat-1490	297	30	.	.	PUNCT
easat-1490	298	1	furthermore	furthermore	ADV
easat-1490	298	2	,	,	PUNCT
easat-1490	298	3	the	the	DET
easat-1490	298	4	capacity	capacity	NOUN
easat-1490	298	5	for	for	ADP
easat-1490	298	6	e	e	NOUN
easat-1490	298	7	-	-	NOUN
easat-1490	298	8	wallets	wallet	NOUN
easat-1490	298	9	to	to	PART
easat-1490	298	10	provide	provide	VERB
easat-1490	298	11	other	other	ADJ
easat-1490	298	12	functionalities	functionality	NOUN
easat-1490	298	13	and	and	CCONJ
easat-1490	298	14	advantages	advantage	NOUN
easat-1490	298	15	,	,	PUNCT
easat-1490	298	16	such	such	ADJ
easat-1490	298	17	as	as	ADP
easat-1490	298	18	loyalty	loyalty	NOUN
easat-1490	298	19	programs	program	NOUN
easat-1490	298	20	and	and	CCONJ
easat-1490	298	21	customized	customize	VERB
easat-1490	298	22	awards	award	NOUN
easat-1490	298	23	,	,	PUNCT
easat-1490	298	24	strengthens	strengthen	VERB
easat-1490	298	25	their	their	PRON
easat-1490	298	26	attractiveness	attractiveness	NOUN
easat-1490	298	27	as	as	ADP
easat-1490	298	28	a	a	DET
easat-1490	298	29	favored	favor	VERB
easat-1490	298	30	payment	payment	NOUN
easat-1490	298	31	option	option	NOUN
easat-1490	298	32	among	among	ADP
easat-1490	298	33	discerning	discern	VERB
easat-1490	298	34	consumers	consumer	NOUN
easat-1490	298	35	.	.	PUNCT
easat-1490	299	1	given	give	VERB
easat-1490	299	2	the	the	DET
easat-1490	299	3	ongoing	ongoing	ADJ
easat-1490	299	4	advancements	advancement	NOUN
easat-1490	299	5	in	in	ADP
easat-1490	299	6	technology	technology	NOUN
easat-1490	299	7	and	and	CCONJ
easat-1490	299	8	the	the	DET
easat-1490	299	9	corresponding	corresponding	ADJ
easat-1490	299	10	changes	change	NOUN
easat-1490	299	11	in	in	ADP
easat-1490	299	12	customer	customer	NOUN
easat-1490	299	13	tastes	taste	NOUN
easat-1490	299	14	,	,	PUNCT
easat-1490	299	15	e	e	NOUN
easat-1490	299	16	-	-	NOUN
easat-1490	299	17	wallets	wallet	NOUN
easat-1490	299	18	are	be	AUX
easat-1490	299	19	poised	poise	VERB
easat-1490	299	20	to	to	PART
easat-1490	299	21	maintain	maintain	VERB
easat-1490	299	22	their	their	PRON
easat-1490	299	23	leading	lead	VERB
easat-1490	299	24	position	position	NOUN
easat-1490	299	25	in	in	ADP
easat-1490	299	26	digital	digital	ADJ
easat-1490	299	27	payment	payment	NOUN
easat-1490	299	28	technologies	technology	NOUN
easat-1490	299	29	.	.	PUNCT
easat-1490	300	1	its	its	PRON
easat-1490	300	2	capacity	capacity	NOUN
easat-1490	300	3	to	to	PART
easat-1490	300	4	effortlessly	effortlessly	ADV
easat-1490	300	5	incorporate	incorporate	VERB
easat-1490	300	6	into	into	ADP
easat-1490	300	7	consumers	consumer	NOUN
easat-1490	300	8	'	'	PART
easat-1490	300	9	everyday	everyday	ADJ
easat-1490	300	10	routines	routine	NOUN
easat-1490	300	11	and	and	CCONJ
easat-1490	300	12	provide	provide	VERB
easat-1490	300	13	a	a	DET
easat-1490	300	14	diverse	diverse	ADJ
easat-1490	300	15	array	array	NOUN
easat-1490	300	16	of	of	ADP
easat-1490	300	17	advantages	advantage	NOUN
easat-1490	300	18	highlights	highlight	VERB
easat-1490	300	19	their	their	PRON
easat-1490	300	20	potential	potential	NOUN
easat-1490	300	21	to	to	PART
easat-1490	300	22	transform	transform	VERB
easat-1490	300	23	the	the	DET
easat-1490	300	24	manner	manner	NOUN
easat-1490	300	25	in	in	ADP
easat-1490	300	26	which	which	PRON
easat-1490	300	27	younger	young	ADJ
easat-1490	300	28	generations	generation	NOUN
easat-1490	300	29	handle	handle	VERB
easat-1490	300	30	their	their	PRON
easat-1490	300	31	finances	finance	NOUN
easat-1490	300	32	and	and	CCONJ
easat-1490	300	33	carry	carry	VERB
easat-1490	300	34	out	out	ADP
easat-1490	300	35	transactions	transaction	NOUN
easat-1490	300	36	in	in	ADP
easat-1490	300	37	an	an	DET
easat-1490	300	38	increasingly	increasingly	ADV
easat-1490	300	39	digitalized	digitalize	VERB
easat-1490	300	40	society	society	NOUN
easat-1490	300	41	.	.	PUNCT
easat-1490	301	1	table	table	NOUN
easat-1490	301	2	6	6	NUM
easat-1490	301	3	.	.	PUNCT
easat-1490	302	1	perceived	perceive	VERB
easat-1490	302	2	usefulness	usefulness	NOUN
easat-1490	302	3	statement	statement	NOUN
easat-1490	302	4	weighted	weight	VERB
easat-1490	302	5	mean	mean	NOUN
easat-1490	302	6	1	1	X
easat-1490	302	7	.	.	X
easat-1490	303	1	i	i	PRON
easat-1490	303	2	can	can	AUX
easat-1490	303	3	complete	complete	VERB
easat-1490	303	4	payments	payment	NOUN
easat-1490	303	5	more	more	ADV
easat-1490	303	6	quickly	quickly	ADV
easat-1490	303	7	with	with	ADP
easat-1490	303	8	e	e	NOUN
easat-1490	303	9	-	-	NOUN
easat-1490	303	10	wallet	wallet	NOUN
easat-1490	303	11	.	.	PUNCT
easat-1490	304	1	3.30	3.30	NUM
easat-1490	304	2	2	2	NUM
easat-1490	304	3	.	.	PUNCT
easat-1490	305	1	using	use	VERB
easat-1490	305	2	e	e	NOUN
easat-1490	305	3	-	-	NOUN
easat-1490	305	4	wallet	wallet	NOUN
easat-1490	305	5	is	be	AUX
easat-1490	305	6	a	a	DET
easat-1490	305	7	superior	superior	ADJ
easat-1490	305	8	alternative	alternative	NOUN
easat-1490	305	9	to	to	ADP
easat-1490	305	10	cash	cash	NOUN
easat-1490	305	11	payments	payment	NOUN
easat-1490	305	12	.	.	PUNCT
easat-1490	306	1	3.22	3.22	NUM
easat-1490	306	2	3	3	NUM
easat-1490	306	3	.	.	PUNCT
easat-1490	307	1	i	i	PRON
easat-1490	307	2	can	can	AUX
easat-1490	307	3	monitor	monitor	VERB
easat-1490	307	4	my	my	PRON
easat-1490	307	5	expenses	expense	NOUN
easat-1490	307	6	more	more	ADV
easat-1490	307	7	effectively	effectively	ADV
easat-1490	307	8	with	with	ADP
easat-1490	307	9	e	e	NOUN
easat-1490	307	10	-	-	NOUN
easat-1490	307	11	wallets	wallet	NOUN
easat-1490	307	12	than	than	ADP
easat-1490	307	13	with	with	ADP
easat-1490	307	14	cash	cash	NOUN
easat-1490	307	15	.	.	PUNCT
easat-1490	308	1	3.21	3.21	NUM
easat-1490	308	2	4	4	NUM
easat-1490	308	3	.	.	PUNCT
easat-1490	308	4	using	use	VERB
easat-1490	308	5	e	e	NOUN
easat-1490	308	6	-	-	NOUN
easat-1490	308	7	wallet	wallet	NOUN
easat-1490	308	8	is	be	AUX
easat-1490	308	9	more	more	ADV
easat-1490	308	10	efficient	efficient	ADJ
easat-1490	308	11	option	option	NOUN
easat-1490	308	12	compared	compare	VERB
easat-1490	308	13	to	to	ADP
easat-1490	308	14	using	use	VERB
easat-1490	308	15	cash	cash	NOUN
easat-1490	308	16	.	.	PUNCT
easat-1490	309	1	3.10	3.10	NUM
easat-1490	309	2	5	5	NUM
easat-1490	309	3	.	.	PUNCT
easat-1490	310	1	e	e	X
easat-1490	310	2	-	-	NOUN
easat-1490	310	3	wallet	wallet	NOUN
easat-1490	310	4	help	help	NOUN
easat-1490	310	5	to	to	PART
easat-1490	310	6	reduce	reduce	VERB
easat-1490	310	7	my	my	PRON
easat-1490	310	8	need	need	NOUN
easat-1490	310	9	to	to	PART
easat-1490	310	10	carry	carry	VERB
easat-1490	310	11	physical	physical	ADJ
easat-1490	310	12	cash	cash	NOUN
easat-1490	310	13	.	.	PUNCT
easat-1490	311	1	3.24	3.24	NUM
easat-1490	311	2	6	6	NUM
easat-1490	311	3	.	.	PUNCT
easat-1490	312	1	i	i	PRON
easat-1490	312	2	can	can	AUX
easat-1490	312	3	better	well	ADV
easat-1490	312	4	plan	plan	VERB
easat-1490	312	5	my	my	PRON
easat-1490	312	6	spending	spending	NOUN
easat-1490	312	7	by	by	ADP
easat-1490	312	8	using	use	VERB
easat-1490	312	9	e	e	NOUN
easat-1490	312	10	-	-	NOUN
easat-1490	312	11	wallet	wallet	NOUN
easat-1490	312	12	.	.	PUNCT
easat-1490	313	1	3.16	3.16	NUM
easat-1490	313	2	7	7	NUM
easat-1490	313	3	.	.	PUNCT
easat-1490	314	1	i	i	PRON
easat-1490	314	2	can	can	AUX
easat-1490	314	3	save	save	VERB
easat-1490	314	4	more	more	ADJ
easat-1490	314	5	money	money	NOUN
easat-1490	314	6	by	by	ADP
easat-1490	314	7	using	use	VERB
easat-1490	314	8	e	e	NOUN
easat-1490	314	9	-	-	NOUN
easat-1490	314	10	wallet	wallet	NOUN
easat-1490	314	11	.	.	PUNCT
easat-1490	315	1	3.11	3.11	NUM
easat-1490	315	2	average	average	NOUN
easat-1490	315	3	weighted	weight	VERB
easat-1490	315	4	mean	mean	NOUN
easat-1490	315	5	3.06	3.06	NUM
easat-1490	315	6	note	note	NOUN
easat-1490	315	7	:	:	PUNCT
easat-1490	315	8	legends	legend	NOUN
easat-1490	315	9	for	for	ADP
easat-1490	315	10	weighted	weighted	ADJ
easat-1490	315	11	mean	mean	NOUN
easat-1490	315	12	:	:	PUNCT
easat-1490	315	13	1:00	1:00	NUM
easat-1490	315	14	-	-	SYM
easat-1490	315	15	1.75	1.75	NUM
easat-1490	315	16	strongly	strongly	ADV
easat-1490	315	17	disagree	disagree	VERB
easat-1490	315	18	;	;	PUNCT
easat-1490	315	19	1.76	1.76	NUM
easat-1490	315	20	–	–	PUNCT
easat-1490	315	21	2.50	2.50	NUM
easat-1490	315	22	disagree	disagree	NOUN
easat-1490	315	23	;	;	PUNCT
easat-1490	315	24	2.513.25	2.513.25	NUM
easat-1490	315	25	agree;3.26	agree;3.26	ADJ
easat-1490	315	26	-4.00	-4.00	NUM
easat-1490	315	27	strongly	strongly	ADV
easat-1490	315	28	agree	agree	VERB
easat-1490	315	29	when	when	SCONJ
easat-1490	315	30	it	it	PRON
easat-1490	315	31	comes	come	VERB
easat-1490	315	32	to	to	ADP
easat-1490	315	33	perceived	perceive	VERB
easat-1490	315	34	usefulness	usefulness	NOUN
easat-1490	315	35	,	,	PUNCT
easat-1490	315	36	the	the	DET
easat-1490	315	37	data	datum	NOUN
easat-1490	315	38	shows	show	VERB
easat-1490	315	39	a	a	DET
easat-1490	315	40	weighted	weighted	ADJ
easat-1490	315	41	mean	mean	NOUN
easat-1490	315	42	of	of	ADP
easat-1490	315	43	3.06	3.06	NUM
easat-1490	315	44	,	,	PUNCT
easat-1490	315	45	suggesting	suggest	VERB
easat-1490	315	46	alignment	alignment	NOUN
easat-1490	315	47	with	with	ADP
easat-1490	315	48	the	the	DET
easat-1490	315	49	term	term	NOUN
easat-1490	315	50	"	"	PUNCT
easat-1490	315	51	practiced	practice	VERB
easat-1490	315	52	.	.	PUNCT
easat-1490	315	53	"	"	PUNCT
easat-1490	316	1	in	in	ADP
easat-1490	316	2	particular	particular	ADJ
easat-1490	316	3	,	,	PUNCT
easat-1490	316	4	the	the	DET
easat-1490	316	5	statement	statement	NOUN
easat-1490	316	6	"	"	PUNCT
easat-1490	316	7	i	i	PRON
easat-1490	316	8	can	can	AUX
easat-1490	316	9	complete	complete	VERB
easat-1490	316	10	payments	payment	NOUN
easat-1490	316	11	more	more	ADV
easat-1490	316	12	quickly	quickly	ADV
easat-1490	316	13	with	with	ADP
easat-1490	316	14	an	an	DET
easat-1490	316	15	e	e	NOUN
easat-1490	316	16	-	-	NOUN
easat-1490	316	17	wallet	wallet	NOUN
easat-1490	316	18	"	"	PUNCT
easat-1490	316	19	received	receive	VERB
easat-1490	316	20	the	the	DET
easat-1490	316	21	highest	high	ADJ
easat-1490	316	22	weighted	weight	VERB
easat-1490	316	23	mean	mean	NOUN
easat-1490	316	24	of	of	ADP
easat-1490	316	25	3.30	3.30	NUM
easat-1490	316	26	,	,	PUNCT
easat-1490	316	27	indicating	indicate	VERB
easat-1490	316	28	strong	strong	ADJ
easat-1490	316	29	agreement	agreement	NOUN
easat-1490	316	30	with	with	ADP
easat-1490	316	31	the	the	DET
easat-1490	316	32	idea	idea	NOUN
easat-1490	316	33	of	of	ADP
easat-1490	316	34	faster	fast	ADJ
easat-1490	316	35	payment	payment	NOUN
easat-1490	316	36	completion	completion	NOUN
easat-1490	316	37	.	.	PUNCT
easat-1490	317	1	on	on	ADP
easat-1490	317	2	the	the	DET
easat-1490	317	3	other	other	ADJ
easat-1490	317	4	hand	hand	NOUN
easat-1490	317	5	,	,	PUNCT
easat-1490	317	6	the	the	DET
easat-1490	317	7	assertion	assertion	NOUN
easat-1490	317	8	that	that	SCONJ
easat-1490	317	9	utilizing	utilize	VERB
easat-1490	317	10	an	an	DET
easat-1490	317	11	e	e	NOUN
easat-1490	317	12	-	-	NOUN
easat-1490	317	13	wallet	wallet	NOUN
easat-1490	317	14	is	be	AUX
easat-1490	317	15	a	a	DET
easat-1490	317	16	more	more	ADV
easat-1490	317	17	effective	effective	ADJ
easat-1490	317	18	choice	choice	NOUN
easat-1490	317	19	than	than	ADP
easat-1490	317	20	using	use	VERB
easat-1490	317	21	cash	cash	NOUN
easat-1490	317	22	received	receive	VERB
easat-1490	317	23	the	the	DET
easat-1490	317	24	lowest	low	ADJ
easat-1490	317	25	average	average	ADJ
easat-1490	317	26	score	score	NOUN
easat-1490	317	27	of	of	ADP
easat-1490	317	28	3.10	3.10	NUM
easat-1490	317	29	,	,	PUNCT
easat-1490	317	30	suggesting	suggest	VERB
easat-1490	317	31	alignment	alignment	NOUN
easat-1490	317	32	with	with	ADP
easat-1490	317	33	the	the	DET
easat-1490	317	34	characterization	characterization	NOUN
easat-1490	317	35	of	of	ADP
easat-1490	317	36	"	"	PUNCT
easat-1490	317	37	practiced	practice	VERB
easat-1490	317	38	.	.	PUNCT
easat-1490	317	39	"	"	PUNCT
easat-1490	318	1	1170	1170	NUM
easat-1490	318	2	edelweiss	edelweiss	PROPN
easat-1490	318	3	applied	apply	VERB
easat-1490	318	4	science	science	NOUN
easat-1490	318	5	and	and	CCONJ
easat-1490	318	6	technology	technology	NOUN
easat-1490	318	7	issn	issn	PROPN
easat-1490	318	8	:	:	PUNCT
easat-1490	318	9	2576	2576	NUM
easat-1490	318	10	-	-	SYM
easat-1490	318	11	8484	8484	NUM
easat-1490	318	12	vol	vol	NOUN
easat-1490	318	13	.	.	PROPN
easat-1490	318	14	8	8	NUM
easat-1490	318	15	,	,	PUNCT
easat-1490	318	16	no	no	INTJ
easat-1490	318	17	.	.	NOUN
easat-1490	318	18	4	4	NUM
easat-1490	318	19	:	:	SYM
easat-1490	318	20	1157	1157	NUM
easat-1490	318	21	-	-	SYM
easat-1490	318	22	1173	1173	NUM
easat-1490	318	23	,	,	PUNCT
easat-1490	318	24	2024	2024	NUM
easat-1490	318	25	doi	doi	NOUN
easat-1490	318	26	:	:	PUNCT
easat-1490	318	27	10.55214/25768484.v8i4.1490	10.55214/25768484.v8i4.1490	NUM
easat-1490	318	28	©	©	PROPN
easat-1490	318	29	2024	2024	NUM
easat-1490	318	30	by	by	ADP
easat-1490	318	31	the	the	DET
easat-1490	318	32	authors	author	NOUN
easat-1490	318	33	;	;	PUNCT
easat-1490	318	34	licensee	licensee	PROPN
easat-1490	318	35	learning	learning	NOUN
easat-1490	318	36	gate	gate	VERB
easat-1490	318	37	the	the	DET
easat-1490	318	38	result	result	NOUN
easat-1490	318	39	for	for	ADP
easat-1490	318	40	the	the	DET
easat-1490	318	41	perceived	perceive	VERB
easat-1490	318	42	usefulness	usefulness	NOUN
easat-1490	318	43	as	as	ADP
easat-1490	318	44	one	one	NUM
easat-1490	318	45	of	of	ADP
easat-1490	318	46	the	the	DET
easat-1490	318	47	components	component	NOUN
easat-1490	318	48	of	of	ADP
easat-1490	318	49	the	the	DET
easat-1490	318	50	technology	technology	NOUN
easat-1490	318	51	adoption	adoption	NOUN
easat-1490	318	52	model	model	NOUN
easat-1490	318	53	emphasize	emphasize	VERB
easat-1490	318	54	the	the	DET
easat-1490	318	55	widespread	widespread	ADJ
easat-1490	318	56	satisfaction	satisfaction	NOUN
easat-1490	318	57	among	among	ADP
easat-1490	318	58	participants	participant	NOUN
easat-1490	318	59	regarding	regard	VERB
easat-1490	318	60	the	the	DET
easat-1490	318	61	convenience	convenience	NOUN
easat-1490	318	62	provided	provide	VERB
easat-1490	318	63	by	by	ADP
easat-1490	318	64	e	e	NOUN
easat-1490	318	65	-	-	NOUN
easat-1490	318	66	wallets	wallet	NOUN
easat-1490	318	67	for	for	ADP
easat-1490	318	68	performing	perform	VERB
easat-1490	318	69	transactions	transaction	NOUN
easat-1490	318	70	from	from	ADP
easat-1490	318	71	any	any	DET
easat-1490	318	72	location	location	NOUN
easat-1490	318	73	.	.	PUNCT
easat-1490	319	1	respondents	respondent	NOUN
easat-1490	319	2	highlighted	highlight	VERB
easat-1490	319	3	the	the	DET
easat-1490	319	4	convenience	convenience	NOUN
easat-1490	319	5	and	and	CCONJ
easat-1490	319	6	effectiveness	effectiveness	NOUN
easat-1490	319	7	of	of	ADP
easat-1490	319	8	utilizing	utilize	VERB
easat-1490	319	9	e	e	NOUN
easat-1490	319	10	-	-	NOUN
easat-1490	319	11	wallets	wallet	NOUN
easat-1490	319	12	for	for	ADP
easat-1490	319	13	bill	bill	NOUN
easat-1490	319	14	payments	payment	NOUN
easat-1490	319	15	and	and	CCONJ
easat-1490	319	16	other	other	ADJ
easat-1490	319	17	financial	financial	ADJ
easat-1490	319	18	transactions	transaction	NOUN
easat-1490	319	19	,	,	PUNCT
easat-1490	319	20	emphasizing	emphasize	VERB
easat-1490	319	21	the	the	DET
easat-1490	319	22	independence	independence	NOUN
easat-1490	319	23	it	it	PRON
easat-1490	319	24	provides	provide	VERB
easat-1490	319	25	them	they	PRON
easat-1490	319	26	from	from	ADP
easat-1490	319	27	the	the	DET
easat-1490	319	28	limitations	limitation	NOUN
easat-1490	319	29	of	of	ADP
easat-1490	319	30	physical	physical	ADJ
easat-1490	319	31	distance	distance	NOUN
easat-1490	319	32	or	or	CCONJ
easat-1490	319	33	dependence	dependence	NOUN
easat-1490	319	34	on	on	ADP
easat-1490	319	35	external	external	ADJ
easat-1490	319	36	help	help	NOUN
easat-1490	319	37	.	.	PUNCT
easat-1490	320	1	this	this	DET
easat-1490	320	2	result	result	NOUN
easat-1490	320	3	corresponds	correspond	VERB
easat-1490	320	4	to	to	ADP
easat-1490	320	5	the	the	DET
easat-1490	320	6	findings	finding	NOUN
easat-1490	320	7	of	of	ADP
easat-1490	320	8	yang	yang	PROPN
easat-1490	320	9	et.al	et.al	PROPN
easat-1490	320	10	(	(	PUNCT
easat-1490	320	11	2021	2021	NUM
easat-1490	320	12	)	)	PUNCT
easat-1490	320	13	,	,	PUNCT
easat-1490	320	14	who	who	PRON
easat-1490	320	15	emphasizes	emphasize	VERB
easat-1490	320	16	the	the	DET
easat-1490	320	17	revolutionary	revolutionary	ADJ
easat-1490	320	18	influence	influence	NOUN
easat-1490	320	19	of	of	ADP
easat-1490	320	20	e	e	NOUN
easat-1490	320	21	-	-	NOUN
easat-1490	320	22	wallets	wallet	NOUN
easat-1490	320	23	in	in	ADP
easat-1490	320	24	streamlining	streamlining	NOUN
easat-1490	320	25	purchasing	purchasing	NOUN
easat-1490	320	26	and	and	CCONJ
easat-1490	320	27	selling	sell	VERB
easat-1490	320	28	transactions	transaction	NOUN
easat-1490	320	29	using	use	VERB
easat-1490	320	30	smartphone	smartphone	NOUN
easat-1490	320	31	applications	application	NOUN
easat-1490	320	32	.	.	PUNCT
easat-1490	321	1	by	by	ADP
easat-1490	321	2	effectively	effectively	ADV
easat-1490	321	3	combining	combine	VERB
easat-1490	321	4	e	e	NOUN
easat-1490	321	5	-	-	NOUN
easat-1490	321	6	wallet	wallet	NOUN
easat-1490	321	7	features	feature	VERB
easat-1490	321	8	with	with	ADP
easat-1490	321	9	mobile	mobile	ADJ
easat-1490	321	10	technology	technology	NOUN
easat-1490	321	11	,	,	PUNCT
easat-1490	321	12	the	the	DET
easat-1490	321	13	purchasing	purchasing	NOUN
easat-1490	321	14	process	process	NOUN
easat-1490	321	15	is	be	AUX
easat-1490	321	16	streamlined	streamline	VERB
easat-1490	321	17	to	to	PART
easat-1490	321	18	achieve	achieve	VERB
easat-1490	321	19	exceptional	exceptional	ADJ
easat-1490	321	20	efficiency	efficiency	NOUN
easat-1490	321	21	and	and	CCONJ
easat-1490	321	22	convenience	convenience	NOUN
easat-1490	321	23	.	.	PUNCT
easat-1490	322	1	the	the	DET
easat-1490	322	2	widespread	widespread	ADJ
easat-1490	322	3	presence	presence	NOUN
easat-1490	322	4	of	of	ADP
easat-1490	322	5	smartphones	smartphone	NOUN
easat-1490	322	6	equipped	equip	VERB
easat-1490	322	7	with	with	ADP
easat-1490	322	8	e	e	NOUN
easat-1490	322	9	-	-	NOUN
easat-1490	322	10	wallet	wallet	NOUN
easat-1490	322	11	applications	application	NOUN
easat-1490	322	12	allows	allow	VERB
easat-1490	322	13	users	user	NOUN
easat-1490	322	14	to	to	PART
easat-1490	322	15	easily	easily	ADV
easat-1490	322	16	access	access	VERB
easat-1490	322	17	their	their	PRON
easat-1490	322	18	digital	digital	ADJ
easat-1490	322	19	wallets	wallet	NOUN
easat-1490	322	20	,	,	PUNCT
easat-1490	322	21	enabling	enable	VERB
easat-1490	322	22	them	they	PRON
easat-1490	322	23	to	to	PART
easat-1490	322	24	quickly	quickly	ADV
easat-1490	322	25	and	and	CCONJ
easat-1490	322	26	securely	securely	ADV
easat-1490	322	27	initiate	initiate	VERB
easat-1490	322	28	transactions	transaction	NOUN
easat-1490	322	29	at	at	ADP
easat-1490	322	30	their	their	PRON
easat-1490	322	31	convenience	convenience	NOUN
easat-1490	322	32	,	,	PUNCT
easat-1490	322	33	regardless	regardless	ADV
easat-1490	322	34	of	of	ADP
easat-1490	322	35	time	time	NOUN
easat-1490	322	36	or	or	CCONJ
easat-1490	322	37	location	location	NOUN
easat-1490	322	38	.	.	PUNCT
easat-1490	323	1	the	the	DET
easat-1490	323	2	incorporation	incorporation	NOUN
easat-1490	323	3	of	of	ADP
easat-1490	323	4	e	e	NOUN
easat-1490	323	5	-	-	NOUN
easat-1490	323	6	wallets	wallet	NOUN
easat-1490	323	7	into	into	ADP
easat-1490	323	8	mobile	mobile	ADJ
easat-1490	323	9	devices	device	NOUN
easat-1490	323	10	has	have	AUX
easat-1490	323	11	introduced	introduce	VERB
easat-1490	323	12	a	a	DET
easat-1490	323	13	new	new	ADJ
easat-1490	323	14	era	era	NOUN
easat-1490	323	15	of	of	ADP
easat-1490	323	16	digital	digital	ADJ
easat-1490	323	17	transactions	transaction	NOUN
easat-1490	323	18	,	,	PUNCT
easat-1490	323	19	distinguished	distinguish	VERB
easat-1490	323	20	by	by	ADP
easat-1490	323	21	increased	increase	VERB
easat-1490	323	22	convenience	convenience	NOUN
easat-1490	323	23	,	,	PUNCT
easat-1490	323	24	speed	speed	NOUN
easat-1490	323	25	,	,	PUNCT
easat-1490	323	26	and	and	CCONJ
easat-1490	323	27	improved	improve	VERB
easat-1490	323	28	security	security	NOUN
easat-1490	323	29	measures	measure	NOUN
easat-1490	323	30	.	.	PUNCT
easat-1490	324	1	e	e	X
easat-1490	324	2	-	-	NOUN
easat-1490	324	3	wallets	wallet	NOUN
easat-1490	324	4	provide	provide	VERB
easat-1490	324	5	consumers	consumer	NOUN
easat-1490	324	6	with	with	ADP
easat-1490	324	7	a	a	DET
easat-1490	324	8	centralized	centralized	ADJ
easat-1490	324	9	platform	platform	NOUN
easat-1490	324	10	to	to	PART
easat-1490	324	11	manage	manage	VERB
easat-1490	324	12	their	their	PRON
easat-1490	324	13	financial	financial	ADJ
easat-1490	324	14	transactions	transaction	NOUN
easat-1490	324	15	,	,	PUNCT
easat-1490	324	16	offering	offer	VERB
easat-1490	324	17	a	a	DET
easat-1490	324	18	user	user	NOUN
easat-1490	324	19	experience	experience	NOUN
easat-1490	324	20	that	that	PRON
easat-1490	324	21	is	be	AUX
easat-1490	324	22	fluid	fluid	ADJ
easat-1490	324	23	and	and	CCONJ
easat-1490	324	24	straightforward	straightforward	ADJ
easat-1490	324	25	.	.	PUNCT
easat-1490	325	1	this	this	PRON
easat-1490	325	2	surpasses	surpass	VERB
easat-1490	325	3	the	the	DET
easat-1490	325	4	limits	limit	NOUN
easat-1490	325	5	of	of	ADP
easat-1490	325	6	physical	physical	ADJ
easat-1490	325	7	wallets	wallet	NOUN
easat-1490	325	8	or	or	CCONJ
easat-1490	325	9	traditional	traditional	ADJ
easat-1490	325	10	banking	banking	NOUN
easat-1490	325	11	systems	system	NOUN
easat-1490	325	12	.	.	PUNCT
easat-1490	326	1	in	in	ADP
easat-1490	326	2	addition	addition	NOUN
easat-1490	326	3	,	,	PUNCT
easat-1490	326	4	e	e	NOUN
easat-1490	326	5	-	-	NOUN
easat-1490	326	6	wallets	wallet	NOUN
easat-1490	326	7	offer	offer	VERB
easat-1490	326	8	more	more	ADJ
easat-1490	326	9	than	than	ADP
easat-1490	326	10	just	just	ADV
easat-1490	326	11	the	the	DET
easat-1490	326	12	ability	ability	NOUN
easat-1490	326	13	to	to	PART
easat-1490	326	14	make	make	VERB
easat-1490	326	15	transactions	transaction	NOUN
easat-1490	326	16	.	.	PUNCT
easat-1490	327	1	they	they	PRON
easat-1490	327	2	also	also	ADV
easat-1490	327	3	provide	provide	VERB
easat-1490	327	4	instant	instant	ADJ
easat-1490	327	5	access	access	NOUN
easat-1490	327	6	to	to	ADP
easat-1490	327	7	transaction	transaction	NOUN
easat-1490	327	8	history	history	NOUN
easat-1490	327	9	,	,	PUNCT
easat-1490	327	10	targeted	target	VERB
easat-1490	327	11	offers	offer	NOUN
easat-1490	327	12	,	,	PUNCT
easat-1490	327	13	and	and	CCONJ
easat-1490	327	14	loyalty	loyalty	NOUN
easat-1490	327	15	points	point	NOUN
easat-1490	327	16	.	.	PUNCT
easat-1490	328	1	the	the	DET
easat-1490	328	2	inclusion	inclusion	NOUN
easat-1490	328	3	of	of	ADP
easat-1490	328	4	these	these	DET
easat-1490	328	5	additional	additional	ADJ
easat-1490	328	6	functions	function	NOUN
easat-1490	328	7	enhances	enhance	VERB
easat-1490	328	8	the	the	DET
easat-1490	328	9	importance	importance	NOUN
easat-1490	328	10	of	of	ADP
easat-1490	328	11	e	e	NOUN
easat-1490	328	12	-	-	NOUN
easat-1490	328	13	wallets	wallet	NOUN
easat-1490	328	14	in	in	ADP
easat-1490	328	15	contemporary	contemporary	ADJ
easat-1490	328	16	business	business	NOUN
easat-1490	328	17	,	,	PUNCT
easat-1490	328	18	establishing	establish	VERB
easat-1490	328	19	them	they	PRON
easat-1490	328	20	as	as	ADP
easat-1490	328	21	essential	essential	ADJ
easat-1490	328	22	tools	tool	NOUN
easat-1490	328	23	for	for	ADP
easat-1490	328	24	allowing	allow	VERB
easat-1490	328	25	smooth	smooth	ADJ
easat-1490	328	26	and	and	CCONJ
easat-1490	328	27	safe	safe	ADJ
easat-1490	328	28	digital	digital	ADJ
easat-1490	328	29	transactions	transaction	NOUN
easat-1490	328	30	in	in	ADP
easat-1490	328	31	an	an	DET
easat-1490	328	32	ever	ever	ADV
easat-1490	328	33	more	more	ADV
easat-1490	328	34	interconnected	interconnected	ADJ
easat-1490	328	35	global	global	ADJ
easat-1490	328	36	society	society	NOUN
easat-1490	328	37	.	.	PUNCT
easat-1490	329	1	to	to	PART
easat-1490	329	2	summarize	summarize	VERB
easat-1490	329	3	,	,	PUNCT
easat-1490	329	4	the	the	DET
easat-1490	329	5	study	study	NOUN
easat-1490	329	6	results	result	VERB
easat-1490	329	7	support	support	VERB
easat-1490	329	8	the	the	DET
easat-1490	329	9	widely	widely	ADV
easat-1490	329	10	accepted	accept	VERB
easat-1490	329	11	notion	notion	NOUN
easat-1490	329	12	that	that	SCONJ
easat-1490	329	13	e	e	NOUN
easat-1490	329	14	-	-	NOUN
easat-1490	329	15	wallets	wallet	NOUN
easat-1490	329	16	are	be	AUX
easat-1490	329	17	essential	essential	ADJ
easat-1490	329	18	instruments	instrument	NOUN
easat-1490	329	19	for	for	ADP
easat-1490	329	20	contemporary	contemporary	ADJ
easat-1490	329	21	transactions	transaction	NOUN
easat-1490	329	22	,	,	PUNCT
easat-1490	329	23	providing	provide	VERB
easat-1490	329	24	unmatched	unmatched	ADJ
easat-1490	329	25	ease	ease	NOUN
easat-1490	329	26	,	,	PUNCT
easat-1490	329	27	effectiveness	effectiveness	NOUN
easat-1490	329	28	,	,	PUNCT
easat-1490	329	29	and	and	CCONJ
easat-1490	329	30	safety	safety	NOUN
easat-1490	329	31	.	.	PUNCT
easat-1490	330	1	ewallets	ewallet	NOUN
easat-1490	330	2	have	have	AUX
easat-1490	330	3	transformed	transform	VERB
easat-1490	330	4	the	the	DET
easat-1490	330	5	way	way	NOUN
easat-1490	330	6	people	people	NOUN
easat-1490	330	7	handle	handle	VERB
easat-1490	330	8	their	their	PRON
easat-1490	330	9	accounts	account	NOUN
easat-1490	330	10	and	and	CCONJ
easat-1490	330	11	make	make	VERB
easat-1490	330	12	transactions	transaction	NOUN
easat-1490	330	13	by	by	ADP
easat-1490	330	14	utilizing	utilize	VERB
easat-1490	330	15	mobile	mobile	ADJ
easat-1490	330	16	technologies	technology	NOUN
easat-1490	330	17	.	.	PUNCT
easat-1490	331	1	this	this	PRON
easat-1490	331	2	has	have	AUX
easat-1490	331	3	paved	pave	VERB
easat-1490	331	4	the	the	DET
easat-1490	331	5	path	path	NOUN
easat-1490	331	6	for	for	ADP
easat-1490	331	7	a	a	DET
easat-1490	331	8	future	future	NOUN
easat-1490	331	9	where	where	SCONJ
easat-1490	331	10	digital	digital	ADJ
easat-1490	331	11	payments	payment	NOUN
easat-1490	331	12	are	be	AUX
easat-1490	331	13	commonplace	commonplace	ADJ
easat-1490	331	14	rather	rather	ADV
easat-1490	331	15	than	than	ADP
easat-1490	331	16	rare	rare	ADJ
easat-1490	331	17	.	.	PUNCT
easat-1490	332	1	table	table	NOUN
easat-1490	332	2	7	7	NUM
easat-1490	332	3	.	.	PUNCT
easat-1490	332	4	significant	significant	ADJ
easat-1490	332	5	correlation	correlation	NOUN
easat-1490	332	6	between	between	ADP
easat-1490	332	7	the	the	DET
easat-1490	332	8	selected	select	VERB
easat-1490	332	9	demographic	demographic	ADJ
easat-1490	332	10	profile	profile	NOUN
easat-1490	332	11	and	and	CCONJ
easat-1490	332	12	the	the	DET
easat-1490	332	13	assessment	assessment	NOUN
easat-1490	332	14	using	use	VERB
easat-1490	332	15	tam	tam	PROPN
easat-1490	332	16	.	.	PUNCT
easat-1490	332	17	pearson	pearson	PROPN
easat-1490	332	18	r	r	NOUN
easat-1490	332	19	correlation	correlation	NOUN
easat-1490	332	20	r	r	NOUN
easat-1490	332	21	value	value	NOUN
easat-1490	332	22	p	p	NOUN
easat-1490	332	23	value	value	NOUN
easat-1490	332	24	interpretation	interpretation	NOUN
easat-1490	332	25	decision	decision	NOUN
easat-1490	332	26	age	age	NOUN
easat-1490	332	27	-0.29	-0.29	NOUN
easat-1490	332	28	0.00001	0.00001	NUM
easat-1490	332	29	very	very	ADV
easat-1490	332	30	low	low	ADJ
easat-1490	332	31	negative	negative	ADJ
easat-1490	332	32	correlation	correlation	NOUN
easat-1490	332	33	reject	reject	VERB
easat-1490	332	34	null	null	ADJ
easat-1490	332	35	hypothesis	hypothesis	NOUN
easat-1490	332	36	sex	sex	NOUN
easat-1490	332	37	-0.14	-0.14	NOUN
easat-1490	332	38	0.005995	0.005995	NUM
easat-1490	332	39	very	very	ADV
easat-1490	332	40	low	low	ADJ
easat-1490	332	41	negative	negative	ADJ
easat-1490	332	42	correlation	correlation	NOUN
easat-1490	332	43	reject	reject	VERB
easat-1490	332	44	null	null	ADJ
easat-1490	332	45	hypothesis	hypothesis	NOUN
easat-1490	332	46	3.3	3.3	NUM
easat-1490	332	47	.	.	PUNCT
easat-1490	333	1	correlation	correlation	NOUN
easat-1490	333	2	between	between	ADP
easat-1490	333	3	the	the	DET
easat-1490	333	4	selected	select	VERB
easat-1490	333	5	demographic	demographic	ADJ
easat-1490	333	6	profile	profile	NOUN
easat-1490	333	7	of	of	ADP
easat-1490	333	8	the	the	DET
easat-1490	333	9	respondents	respondent	NOUN
easat-1490	333	10	and	and	CCONJ
easat-1490	333	11	their	their	PRON
easat-1490	333	12	assessment	assessment	NOUN
easat-1490	333	13	in	in	ADP
easat-1490	333	14	the	the	DET
easat-1490	333	15	use	use	NOUN
easat-1490	333	16	of	of	ADP
easat-1490	333	17	the	the	DET
easat-1490	333	18	e	e	NOUN
easat-1490	333	19	-	-	NOUN
easat-1490	333	20	wallet	wallet	NOUN
easat-1490	333	21	as	as	ADP
easat-1490	333	22	a	a	DET
easat-1490	333	23	payment	payment	NOUN
easat-1490	333	24	method	method	NOUN
easat-1490	333	25	in	in	ADP
easat-1490	333	26	terms	term	NOUN
easat-1490	333	27	of	of	ADP
easat-1490	333	28	the	the	DET
easat-1490	333	29	technology	technology	NOUN
easat-1490	333	30	acceptance	acceptance	NOUN
easat-1490	333	31	model	model	NOUN
easat-1490	333	32	correlation	correlation	NOUN
easat-1490	333	33	between	between	ADP
easat-1490	333	34	age	age	NOUN
easat-1490	333	35	and	and	CCONJ
easat-1490	333	36	the	the	DET
easat-1490	333	37	use	use	NOUN
easat-1490	333	38	of	of	ADP
easat-1490	333	39	e	e	NOUN
easat-1490	333	40	-	-	NOUN
easat-1490	333	41	wallet	wallet	NOUN
easat-1490	333	42	.	.	PUNCT
easat-1490	334	1	the	the	DET
easat-1490	334	2	data	datum	NOUN
easat-1490	334	3	clearly	clearly	ADV
easat-1490	334	4	shows	show	VERB
easat-1490	334	5	that	that	SCONJ
easat-1490	334	6	48	48	NUM
easat-1490	334	7	participants	participant	NOUN
easat-1490	334	8	,	,	PUNCT
easat-1490	334	9	making	make	VERB
easat-1490	334	10	up	up	ADP
easat-1490	334	11	13	13	NUM
easat-1490	334	12	%	%	NOUN
easat-1490	334	13	of	of	ADP
easat-1490	334	14	the	the	DET
easat-1490	334	15	total	total	ADJ
easat-1490	334	16	,	,	PUNCT
easat-1490	334	17	highlighted	highlight	VERB
easat-1490	334	18	information	information	NOUN
easat-1490	334	19	privacy	privacy	NOUN
easat-1490	334	20	as	as	ADP
easat-1490	334	21	the	the	DET
easat-1490	334	22	most	most	ADV
easat-1490	334	23	common	common	ADJ
easat-1490	334	24	issue	issue	NOUN
easat-1490	334	25	with	with	ADP
easat-1490	334	26	e	e	NOUN
easat-1490	334	27	-	-	NOUN
easat-1490	334	28	wallets	wallet	NOUN
easat-1490	334	29	,	,	PUNCT
easat-1490	334	30	whereas	whereas	SCONJ
easat-1490	334	31	34	34	NUM
easat-1490	334	32	respondents	respondent	NOUN
easat-1490	334	33	,	,	PUNCT
easat-1490	334	34	accounting	account	VERB
easat-1490	334	35	for	for	ADP
easat-1490	334	36	9	9	NUM
easat-1490	334	37	%	%	NOUN
easat-1490	334	38	,	,	PUNCT
easat-1490	334	39	faced	face	VERB
easat-1490	334	40	the	the	DET
easat-1490	334	41	fewest	few	ADJ
easat-1490	334	42	problems	problem	NOUN
easat-1490	334	43	with	with	ADP
easat-1490	334	44	unauthorized	unauthorized	ADJ
easat-1490	334	45	application	application	NOUN
easat-1490	334	46	updates	update	NOUN
easat-1490	334	47	.	.	PUNCT
easat-1490	335	1	based	base	VERB
easat-1490	335	2	from	from	ADP
easat-1490	335	3	the	the	DET
easat-1490	335	4	findings	finding	NOUN
easat-1490	335	5	for	for	ADP
easat-1490	335	6	the	the	DET
easat-1490	335	7	correlation	correlation	NOUN
easat-1490	335	8	between	between	ADP
easat-1490	335	9	age	age	NOUN
easat-1490	335	10	and	and	CCONJ
easat-1490	335	11	the	the	DET
easat-1490	335	12	use	use	NOUN
easat-1490	335	13	of	of	ADP
easat-1490	335	14	e	e	NOUN
easat-1490	335	15	-	-	NOUN
easat-1490	335	16	wallet	wallet	NOUN
easat-1490	335	17	,	,	PUNCT
easat-1490	335	18	it	it	PRON
easat-1490	335	19	showed	show	VERB
easat-1490	335	20	that	that	SCONJ
easat-1490	335	21	the	the	DET
easat-1490	335	22	majority	majority	NOUN
easat-1490	335	23	of	of	ADP
easat-1490	335	24	respondents	respondent	NOUN
easat-1490	335	25	are	be	AUX
easat-1490	335	26	mainly	mainly	ADV
easat-1490	335	27	concerned	concern	VERB
easat-1490	335	28	with	with	ADP
easat-1490	335	29	the	the	DET
easat-1490	335	30	security	security	NOUN
easat-1490	335	31	and	and	CCONJ
easat-1490	335	32	confidentiality	confidentiality	NOUN
easat-1490	335	33	of	of	ADP
easat-1490	335	34	their	their	PRON
easat-1490	335	35	information	information	NOUN
easat-1490	335	36	.	.	PUNCT
easat-1490	336	1	according	accord	VERB
easat-1490	336	2	to	to	ADP
easat-1490	336	3	survey	survey	NOUN
easat-1490	336	4	respondents	respondent	NOUN
easat-1490	336	5	,	,	PUNCT
easat-1490	336	6	the	the	DET
easat-1490	336	7	issue	issue	NOUN
easat-1490	336	8	stems	stem	VERB
easat-1490	336	9	from	from	ADP
easat-1490	336	10	apprehensions	apprehension	NOUN
easat-1490	336	11	about	about	ADP
easat-1490	336	12	illegal	illegal	ADJ
easat-1490	336	13	access	access	NOUN
easat-1490	336	14	,	,	PUNCT
easat-1490	336	15	prospective	prospective	ADJ
easat-1490	336	16	data	datum	NOUN
easat-1490	336	17	breaches	breach	NOUN
easat-1490	336	18	,	,	PUNCT
easat-1490	336	19	or	or	CCONJ
easat-1490	336	20	the	the	DET
easat-1490	336	21	improper	improper	ADJ
easat-1490	336	22	use	use	NOUN
easat-1490	336	23	of	of	ADP
easat-1490	336	24	sensitive	sensitive	ADJ
easat-1490	336	25	personal	personal	ADJ
easat-1490	336	26	information	information	NOUN
easat-1490	336	27	.	.	PUNCT
easat-1490	337	1	vitug	vitug	NOUN
easat-1490	337	2	(	(	PUNCT
easat-1490	337	3	2023	2023	NUM
easat-1490	337	4	)	)	PUNCT
easat-1490	337	5	has	have	AUX
easat-1490	337	6	identified	identify	VERB
easat-1490	337	7	that	that	SCONJ
easat-1490	337	8	the	the	DET
easat-1490	337	9	widespread	widespread	ADJ
easat-1490	337	10	use	use	NOUN
easat-1490	337	11	of	of	ADP
easat-1490	337	12	e	e	NOUN
easat-1490	337	13	-	-	NOUN
easat-1490	337	14	wallets	wallet	NOUN
easat-1490	337	15	has	have	AUX
easat-1490	337	16	encountered	encounter	VERB
easat-1490	337	17	challenges	challenge	NOUN
easat-1490	337	18	stemming	stem	VERB
easat-1490	337	19	from	from	ADP
easat-1490	337	20	concerns	concern	NOUN
easat-1490	337	21	related	relate	VERB
easat-1490	337	22	to	to	ADP
easat-1490	337	23	privacy	privacy	NOUN
easat-1490	337	24	and	and	CCONJ
easat-1490	337	25	security	security	NOUN
easat-1490	337	26	.	.	PUNCT
easat-1490	338	1	a	a	DET
easat-1490	338	2	significant	significant	ADJ
easat-1490	338	3	number	number	NOUN
easat-1490	338	4	of	of	ADP
easat-1490	338	5	people	people	NOUN
easat-1490	338	6	often	often	ADV
easat-1490	338	7	express	express	VERB
easat-1490	338	8	apprehensions	apprehension	NOUN
easat-1490	338	9	about	about	ADP
easat-1490	338	10	the	the	DET
easat-1490	338	11	security	security	NOUN
easat-1490	338	12	of	of	ADP
easat-1490	338	13	their	their	PRON
easat-1490	338	14	personal	personal	ADJ
easat-1490	338	15	information	information	NOUN
easat-1490	338	16	when	when	SCONJ
easat-1490	338	17	utilizing	utilize	VERB
easat-1490	338	18	digital	digital	ADJ
easat-1490	338	19	wallet	wallet	NOUN
easat-1490	338	20	services	service	NOUN
easat-1490	338	21	.	.	PUNCT
easat-1490	339	1	apprehensions	apprehension	NOUN
easat-1490	339	2	over	over	ADP
easat-1490	339	3	identity	identity	NOUN
easat-1490	339	4	theft	theft	NOUN
easat-1490	339	5	and	and	CCONJ
easat-1490	339	6	financial	financial	ADJ
easat-1490	339	7	crime	crime	NOUN
easat-1490	339	8	may	may	AUX
easat-1490	339	9	hinder	hinder	VERB
easat-1490	339	10	individuals	individual	NOUN
easat-1490	339	11	from	from	ADP
easat-1490	339	12	fully	fully	ADV
easat-1490	339	13	embracing	embrace	VERB
easat-1490	339	14	new	new	ADJ
easat-1490	339	15	technologies	technology	NOUN
easat-1490	339	16	.	.	PUNCT
easat-1490	340	1	individuals	individual	NOUN
easat-1490	340	2	may	may	AUX
easat-1490	340	3	also	also	ADV
easat-1490	340	4	have	have	VERB
easat-1490	340	5	concerns	concern	NOUN
easat-1490	340	6	over	over	ADP
easat-1490	340	7	the	the	DET
easat-1490	340	8	security	security	NOUN
easat-1490	340	9	measures	measure	NOUN
easat-1490	340	10	associated	associate	VERB
easat-1490	340	11	with	with	ADP
easat-1490	340	12	login	login	NOUN
easat-1490	340	13	1171	1171	NUM
easat-1490	340	14	edelweiss	edelweiss	PROPN
easat-1490	340	15	applied	apply	VERB
easat-1490	340	16	science	science	NOUN
easat-1490	340	17	and	and	CCONJ
easat-1490	340	18	technology	technology	NOUN
easat-1490	340	19	issn	issn	PROPN
easat-1490	340	20	:	:	PUNCT
easat-1490	340	21	2576	2576	NUM
easat-1490	340	22	-	-	SYM
easat-1490	340	23	8484	8484	NUM
easat-1490	340	24	vol	vol	NOUN
easat-1490	340	25	.	.	PROPN
easat-1490	340	26	8	8	NUM
easat-1490	340	27	,	,	PUNCT
easat-1490	340	28	no	no	INTJ
easat-1490	340	29	.	.	NOUN
easat-1490	341	1	4	4	NUM
easat-1490	341	2	:	:	SYM
easat-1490	341	3	1157	1157	NUM
easat-1490	341	4	-	-	SYM
easat-1490	341	5	1173	1173	NUM
easat-1490	341	6	,	,	PUNCT
easat-1490	341	7	2024	2024	NUM
easat-1490	341	8	doi	doi	NOUN
easat-1490	341	9	:	:	PUNCT
easat-1490	341	10	10.55214/25768484.v8i4.1490	10.55214/25768484.v8i4.1490	NUM
easat-1490	341	11	©	©	PROPN
easat-1490	341	12	2024	2024	NUM
easat-1490	341	13	by	by	ADP
easat-1490	341	14	the	the	DET
easat-1490	341	15	authors	author	NOUN
easat-1490	341	16	;	;	PUNCT
easat-1490	342	1	licensee	licensee	PROPN
easat-1490	342	2	learning	learn	VERB
easat-1490	342	3	gate	gate	NOUN
easat-1490	342	4	credentials	credential	NOUN
easat-1490	342	5	and	and	CCONJ
easat-1490	342	6	authentication	authentication	NOUN
easat-1490	342	7	methods	method	NOUN
easat-1490	342	8	.	.	PUNCT
easat-1490	343	1	issues	issue	NOUN
easat-1490	343	2	such	such	ADJ
easat-1490	343	3	as	as	ADP
easat-1490	343	4	password	password	NOUN
easat-1490	343	5	strength	strength	NOUN
easat-1490	343	6	,	,	PUNCT
easat-1490	343	7	the	the	DET
easat-1490	343	8	risk	risk	NOUN
easat-1490	343	9	of	of	ADP
easat-1490	343	10	password	password	NOUN
easat-1490	343	11	theft	theft	NOUN
easat-1490	343	12	,	,	PUNCT
easat-1490	343	13	and	and	CCONJ
easat-1490	343	14	illegal	illegal	ADJ
easat-1490	343	15	access	access	NOUN
easat-1490	343	16	to	to	ADP
easat-1490	343	17	e	e	NOUN
easat-1490	343	18	-	-	NOUN
easat-1490	343	19	wallet	wallet	NOUN
easat-1490	343	20	accounts	account	NOUN
easat-1490	343	21	can	can	AUX
easat-1490	343	22	cause	cause	VERB
easat-1490	343	23	people	people	NOUN
easat-1490	343	24	to	to	PART
easat-1490	343	25	be	be	AUX
easat-1490	343	26	hesitant	hesitant	ADJ
easat-1490	343	27	about	about	ADP
easat-1490	343	28	using	use	VERB
easat-1490	343	29	e	e	NOUN
easat-1490	343	30	-	-	NOUN
easat-1490	343	31	wallet	wallet	NOUN
easat-1490	343	32	technology	technology	NOUN
easat-1490	343	33	.	.	PUNCT
easat-1490	344	1	correlation	correlation	NOUN
easat-1490	344	2	between	between	ADP
easat-1490	344	3	sex	sex	NOUN
easat-1490	344	4	and	and	CCONJ
easat-1490	344	5	the	the	DET
easat-1490	344	6	use	use	NOUN
easat-1490	344	7	of	of	ADP
easat-1490	344	8	e	e	NOUN
easat-1490	344	9	-	-	NOUN
easat-1490	344	10	wallet	wallet	NOUN
easat-1490	344	11	.	.	PUNCT
easat-1490	345	1	the	the	DET
easat-1490	345	2	researchers	researcher	NOUN
easat-1490	345	3	determined	determine	VERB
easat-1490	345	4	an	an	DET
easat-1490	345	5	r	r	NOUN
easat-1490	345	6	value	value	NOUN
easat-1490	345	7	of	of	ADP
easat-1490	345	8	0.14	0.14	NUM
easat-1490	345	9	through	through	ADP
easat-1490	345	10	pearson	pearson	PROPN
easat-1490	345	11	's	's	PART
easat-1490	345	12	correlation	correlation	NOUN
easat-1490	345	13	,	,	PUNCT
easat-1490	345	14	suggesting	suggest	VERB
easat-1490	345	15	a	a	DET
easat-1490	345	16	very	very	ADV
easat-1490	345	17	weak	weak	ADJ
easat-1490	345	18	negative	negative	ADJ
easat-1490	345	19	correlation	correlation	NOUN
easat-1490	345	20	between	between	ADP
easat-1490	345	21	sex	sex	NOUN
easat-1490	345	22	and	and	CCONJ
easat-1490	345	23	the	the	DET
easat-1490	345	24	assessment	assessment	NOUN
easat-1490	345	25	using	use	VERB
easat-1490	345	26	tam	tam	NOUN
easat-1490	345	27	related	relate	VERB
easat-1490	345	28	to	to	ADP
easat-1490	345	29	e	e	NOUN
easat-1490	345	30	-	-	NOUN
easat-1490	345	31	wallet	wallet	NOUN
easat-1490	345	32	usage	usage	NOUN
easat-1490	345	33	.	.	PUNCT
easat-1490	346	1	nevertheless	nevertheless	ADV
easat-1490	346	2	,	,	PUNCT
easat-1490	346	3	the	the	DET
easat-1490	346	4	correlation	correlation	NOUN
easat-1490	346	5	is	be	AUX
easat-1490	346	6	not	not	PART
easat-1490	346	7	very	very	ADV
easat-1490	346	8	robust	robust	ADJ
easat-1490	346	9	,	,	PUNCT
easat-1490	346	10	indicating	indicate	VERB
easat-1490	346	11	that	that	SCONJ
easat-1490	346	12	the	the	DET
easat-1490	346	13	impact	impact	NOUN
easat-1490	346	14	of	of	ADP
easat-1490	346	15	gender	gender	NOUN
easat-1490	346	16	on	on	ADP
easat-1490	346	17	these	these	DET
easat-1490	346	18	internal	internal	ADJ
easat-1490	346	19	factors	factor	NOUN
easat-1490	346	20	is	be	AUX
easat-1490	346	21	quite	quite	ADV
easat-1490	346	22	limited	limited	ADJ
easat-1490	346	23	.	.	PUNCT
easat-1490	347	1	results	result	NOUN
easat-1490	347	2	showed	show	VERB
easat-1490	347	3	for	for	ADP
easat-1490	347	4	correlation	correlation	NOUN
easat-1490	347	5	between	between	ADP
easat-1490	347	6	sex	sex	NOUN
easat-1490	347	7	and	and	CCONJ
easat-1490	347	8	the	the	DET
easat-1490	347	9	use	use	NOUN
easat-1490	347	10	of	of	ADP
easat-1490	347	11	e	e	NOUN
easat-1490	347	12	-	-	NOUN
easat-1490	347	13	wallet	wallet	NOUN
easat-1490	347	14	that	that	PRON
easat-1490	347	15	sex	sex	NOUN
easat-1490	347	16	has	have	VERB
easat-1490	347	17	minimal	minimal	ADJ
easat-1490	347	18	influence	influence	NOUN
easat-1490	347	19	on	on	ADP
easat-1490	347	20	individuals	individual	NOUN
easat-1490	347	21	'	'	PART
easat-1490	347	22	decision	decision	NOUN
easat-1490	347	23	to	to	PART
easat-1490	347	24	adopt	adopt	VERB
easat-1490	347	25	e	e	NOUN
easat-1490	347	26	-	-	NOUN
easat-1490	347	27	wallets	wallet	NOUN
easat-1490	347	28	.	.	PUNCT
easat-1490	348	1	the	the	DET
easat-1490	348	2	internal	internal	ADJ
easat-1490	348	3	elements	element	NOUN
easat-1490	348	4	connected	connect	VERB
easat-1490	348	5	to	to	ADP
easat-1490	348	6	e	e	NOUN
easat-1490	348	7	-	-	NOUN
easat-1490	348	8	wallet	wallet	NOUN
easat-1490	348	9	adoption	adoption	NOUN
easat-1490	348	10	are	be	AUX
easat-1490	348	11	not	not	PART
easat-1490	348	12	primarily	primarily	ADV
easat-1490	348	13	determined	determine	VERB
easat-1490	348	14	by	by	ADP
easat-1490	348	15	an	an	DET
easat-1490	348	16	individual	individual	NOUN
easat-1490	348	17	's	's	PART
easat-1490	348	18	sexuality	sexuality	NOUN
easat-1490	348	19	.	.	PUNCT
easat-1490	349	1	according	accord	VERB
easat-1490	349	2	to	to	ADP
easat-1490	349	3	the	the	DET
easat-1490	349	4	respondents	respondent	NOUN
easat-1490	349	5	,	,	PUNCT
easat-1490	349	6	individuals	individual	NOUN
easat-1490	349	7	of	of	ADP
easat-1490	349	8	all	all	DET
easat-1490	349	9	sexes	sex	NOUN
easat-1490	349	10	generally	generally	ADV
easat-1490	349	11	favor	favor	VERB
easat-1490	349	12	utilizing	utilize	VERB
easat-1490	349	13	electronic	electronic	ADJ
easat-1490	349	14	wallets	wallet	NOUN
easat-1490	349	15	due	due	ADP
easat-1490	349	16	to	to	ADP
easat-1490	349	17	its	its	PRON
easat-1490	349	18	perceived	perceive	VERB
easat-1490	349	19	convenience	convenience	NOUN
easat-1490	349	20	and	and	CCONJ
easat-1490	349	21	usefulness	usefulness	NOUN
easat-1490	349	22	.	.	PUNCT
easat-1490	350	1	kasirye	kasirye	PROPN
easat-1490	350	2	and	and	CCONJ
easat-1490	350	3	masum	masum	PROPN
easat-1490	350	4	(	(	PUNCT
easat-1490	350	5	2021	2021	NUM
easat-1490	350	6	)	)	PUNCT
easat-1490	350	7	conducted	conduct	VERB
easat-1490	350	8	a	a	DET
easat-1490	350	9	recent	recent	ADJ
easat-1490	350	10	study	study	NOUN
easat-1490	350	11	suggesting	suggest	VERB
easat-1490	350	12	that	that	SCONJ
easat-1490	350	13	sexual	sexual	ADJ
easat-1490	350	14	orientation	orientation	NOUN
easat-1490	350	15	does	do	AUX
easat-1490	350	16	not	not	PART
easat-1490	350	17	have	have	VERB
easat-1490	350	18	an	an	DET
easat-1490	350	19	impact	impact	NOUN
easat-1490	350	20	on	on	ADP
easat-1490	350	21	the	the	DET
easat-1490	350	22	perceived	perceive	VERB
easat-1490	350	23	usefulness	usefulness	NOUN
easat-1490	350	24	and	and	CCONJ
easat-1490	350	25	compatibility	compatibility	NOUN
easat-1490	350	26	of	of	ADP
easat-1490	350	27	mobile	mobile	ADJ
easat-1490	350	28	technology	technology	NOUN
easat-1490	350	29	.	.	PUNCT
easat-1490	351	1	mobile	mobile	ADJ
easat-1490	351	2	technology	technology	NOUN
easat-1490	351	3	,	,	PUNCT
easat-1490	351	4	such	such	ADJ
easat-1490	351	5	as	as	ADP
easat-1490	351	6	smartphones	smartphone	NOUN
easat-1490	351	7	and	and	CCONJ
easat-1490	351	8	applications	application	NOUN
easat-1490	351	9	,	,	PUNCT
easat-1490	351	10	often	often	ADV
easat-1490	351	11	provides	provide	VERB
easat-1490	351	12	inclusive	inclusive	ADJ
easat-1490	351	13	features	feature	NOUN
easat-1490	351	14	that	that	PRON
easat-1490	351	15	are	be	AUX
easat-1490	351	16	advantageous	advantageous	ADJ
easat-1490	351	17	to	to	ADP
easat-1490	351	18	all	all	DET
easat-1490	351	19	individuals	individual	NOUN
easat-1490	351	20	,	,	PUNCT
easat-1490	351	21	irrespective	irrespective	ADV
easat-1490	351	22	of	of	ADP
easat-1490	351	23	their	their	PRON
easat-1490	351	24	sexuality	sexuality	NOUN
easat-1490	351	25	.	.	PUNCT
easat-1490	352	1	as	as	SCONJ
easat-1490	352	2	societies	society	NOUN
easat-1490	352	3	advance	advance	VERB
easat-1490	352	4	technologically	technologically	ADV
easat-1490	352	5	,	,	PUNCT
easat-1490	352	6	there	there	PRON
easat-1490	352	7	is	be	VERB
easat-1490	352	8	an	an	DET
easat-1490	352	9	increasing	increase	VERB
easat-1490	352	10	expectation	expectation	NOUN
easat-1490	352	11	for	for	ADP
easat-1490	352	12	both	both	DET
easat-1490	352	13	men	man	NOUN
easat-1490	352	14	and	and	CCONJ
easat-1490	352	15	women	woman	NOUN
easat-1490	352	16	to	to	PART
easat-1490	352	17	acquire	acquire	VERB
easat-1490	352	18	comparable	comparable	ADJ
easat-1490	352	19	levels	level	NOUN
easat-1490	352	20	of	of	ADP
easat-1490	352	21	expertise	expertise	NOUN
easat-1490	352	22	in	in	ADP
easat-1490	352	23	mobile	mobile	ADJ
easat-1490	352	24	technology	technology	NOUN
easat-1490	352	25	.	.	PUNCT
easat-1490	353	1	this	this	PRON
easat-1490	353	2	leads	lead	VERB
easat-1490	353	3	to	to	ADP
easat-1490	353	4	a	a	DET
easat-1490	353	5	convergence	convergence	NOUN
easat-1490	353	6	in	in	ADP
easat-1490	353	7	their	their	PRON
easat-1490	353	8	perspectives	perspective	NOUN
easat-1490	353	9	regarding	regard	VERB
easat-1490	353	10	the	the	DET
easat-1490	353	11	usefulness	usefulness	NOUN
easat-1490	353	12	and	and	CCONJ
easat-1490	353	13	compatibility	compatibility	NOUN
easat-1490	353	14	of	of	ADP
easat-1490	353	15	such	such	ADJ
easat-1490	353	16	devices	device	NOUN
easat-1490	353	17	.	.	PUNCT
easat-1490	354	1	4	4	X
easat-1490	354	2	.	.	X
easat-1490	354	3	conclusion	conclusion	NOUN
easat-1490	354	4	with	with	ADP
easat-1490	354	5	the	the	DET
easat-1490	354	6	above	above	ADJ
easat-1490	354	7	findings	finding	NOUN
easat-1490	354	8	,	,	PUNCT
easat-1490	354	9	the	the	DET
easat-1490	354	10	researchers	researcher	NOUN
easat-1490	354	11	were	be	AUX
easat-1490	354	12	able	able	ADJ
easat-1490	354	13	to	to	PART
easat-1490	354	14	reach	reach	VERB
easat-1490	354	15	the	the	DET
easat-1490	354	16	following	follow	VERB
easat-1490	354	17	conclusions	conclusion	NOUN
easat-1490	354	18	:	:	PUNCT
easat-1490	354	19	the	the	DET
easat-1490	354	20	majority	majority	NOUN
easat-1490	354	21	of	of	ADP
easat-1490	354	22	the	the	DET
easat-1490	354	23	respondents	respondent	NOUN
easat-1490	354	24	were	be	AUX
easat-1490	354	25	age	age	NOUN
easat-1490	354	26	21	21	NUM
easat-1490	354	27	years	year	NOUN
easat-1490	354	28	old	old	ADJ
easat-1490	354	29	,	,	PUNCT
easat-1490	354	30	mostly	mostly	ADV
easat-1490	354	31	females	female	NOUN
easat-1490	354	32	,	,	PUNCT
easat-1490	354	33	mainly	mainly	ADV
easat-1490	354	34	from	from	ADP
easat-1490	354	35	cabanatuan	cabanatuan	PROPN
easat-1490	354	36	.	.	PUNCT
easat-1490	355	1	in	in	ADP
easat-1490	355	2	terms	term	NOUN
easat-1490	355	3	ease	ease	NOUN
easat-1490	355	4	of	of	ADP
easat-1490	355	5	use	use	NOUN
easat-1490	355	6	,	,	PUNCT
easat-1490	355	7	majority	majority	NOUN
easat-1490	355	8	of	of	ADP
easat-1490	355	9	the	the	DET
easat-1490	355	10	respondents	respondent	NOUN
easat-1490	355	11	strongly	strongly	ADV
easat-1490	355	12	agreed	agree	VERB
easat-1490	355	13	that	that	SCONJ
easat-1490	355	14	they	they	PRON
easat-1490	355	15	found	find	VERB
easat-1490	355	16	it	it	PRON
easat-1490	355	17	easy	easy	ADJ
easat-1490	355	18	to	to	PART
easat-1490	355	19	download	download	VERB
easat-1490	355	20	e	e	NOUN
easat-1490	355	21	-	-	NOUN
easat-1490	355	22	wallet	wallet	NOUN
easat-1490	355	23	application	application	NOUN
easat-1490	355	24	on	on	ADP
easat-1490	355	25	smartphones	smartphone	NOUN
easat-1490	355	26	,	,	PUNCT
easat-1490	355	27	on	on	ADP
easat-1490	355	28	the	the	DET
easat-1490	355	29	other	other	ADJ
easat-1490	355	30	hand	hand	NOUN
easat-1490	355	31	,	,	PUNCT
easat-1490	355	32	in	in	ADP
easat-1490	355	33	terms	term	NOUN
easat-1490	355	34	of	of	ADP
easat-1490	355	35	perceived	perceive	VERB
easat-1490	355	36	usefulness	usefulness	NOUN
easat-1490	355	37	,	,	PUNCT
easat-1490	355	38	majority	majority	NOUN
easat-1490	355	39	of	of	ADP
easat-1490	355	40	the	the	DET
easat-1490	355	41	respondents	respondent	NOUN
easat-1490	355	42	agreed	agree	VERB
easat-1490	355	43	that	that	SCONJ
easat-1490	355	44	that	that	SCONJ
easat-1490	355	45	they	they	PRON
easat-1490	355	46	can	can	AUX
easat-1490	355	47	complete	complete	VERB
easat-1490	355	48	payments	payment	NOUN
easat-1490	355	49	more	more	ADV
easat-1490	355	50	quickly	quickly	ADV
easat-1490	355	51	with	with	ADP
easat-1490	355	52	e	e	NOUN
easat-1490	355	53	-	-	NOUN
easat-1490	355	54	wallet	wallet	NOUN
easat-1490	355	55	.	.	PUNCT
easat-1490	356	1	based	base	VERB
easat-1490	356	2	on	on	ADP
easat-1490	356	3	the	the	DET
easat-1490	356	4	findings	finding	NOUN
easat-1490	356	5	,	,	PUNCT
easat-1490	356	6	the	the	DET
easat-1490	356	7	researchers	researcher	NOUN
easat-1490	356	8	are	be	AUX
easat-1490	356	9	able	able	ADJ
easat-1490	356	10	to	to	PART
easat-1490	356	11	provide	provide	VERB
easat-1490	356	12	the	the	DET
easat-1490	356	13	following	follow	VERB
easat-1490	356	14	recommendations	recommendation	NOUN
easat-1490	356	15	:	:	PUNCT
easat-1490	356	16	to	to	PART
easat-1490	356	17	improve	improve	VERB
easat-1490	356	18	the	the	DET
easat-1490	356	19	e	e	NOUN
easat-1490	356	20	-	-	NOUN
easat-1490	356	21	wallet	wallet	NOUN
easat-1490	356	22	application	application	NOUN
easat-1490	356	23	's	's	PART
easat-1490	356	24	usability	usability	NOUN
easat-1490	356	25	,	,	PUNCT
easat-1490	356	26	the	the	DET
easat-1490	356	27	e	e	NOUN
easat-1490	356	28	-	-	NOUN
easat-1490	356	29	wallet	wallet	NOUN
easat-1490	356	30	companies	company	NOUN
easat-1490	356	31	should	should	AUX
easat-1490	356	32	consider	consider	VERB
easat-1490	356	33	gathering	gather	VERB
easat-1490	356	34	user	user	NOUN
easat-1490	356	35	feedback	feedback	NOUN
easat-1490	356	36	through	through	ADP
easat-1490	356	37	surveys	survey	NOUN
easat-1490	356	38	or	or	CCONJ
easat-1490	356	39	usability	usability	NOUN
easat-1490	356	40	testing	testing	NOUN
easat-1490	356	41	.	.	PUNCT
easat-1490	357	1	identify	identify	VERB
easat-1490	357	2	the	the	DET
easat-1490	357	3	pain	pain	NOUN
easat-1490	357	4	points	point	NOUN
easat-1490	357	5	mentioned	mention	VERB
easat-1490	357	6	by	by	ADP
easat-1490	357	7	users	user	NOUN
easat-1490	357	8	and	and	CCONJ
easat-1490	357	9	prioritize	prioritize	VERB
easat-1490	357	10	optimizing	optimize	VERB
easat-1490	357	11	those	those	DET
easat-1490	357	12	areas	area	NOUN
easat-1490	357	13	for	for	ADP
easat-1490	357	14	a	a	DET
easat-1490	357	15	smoother	smooth	ADJ
easat-1490	357	16	experience	experience	NOUN
easat-1490	357	17	.	.	PUNCT
easat-1490	358	1	also	also	ADV
easat-1490	358	2	,	,	PUNCT
easat-1490	358	3	explore	explore	VERB
easat-1490	358	4	adding	add	VERB
easat-1490	358	5	user	user	NOUN
easat-1490	358	6	-	-	PUNCT
easat-1490	358	7	friendly	friendly	ADJ
easat-1490	358	8	features	feature	NOUN
easat-1490	358	9	,	,	PUNCT
easat-1490	358	10	enhancing	enhance	VERB
easat-1490	358	11	app	app	NOUN
easat-1490	358	12	responsiveness	responsiveness	NOUN
easat-1490	358	13	,	,	PUNCT
easat-1490	358	14	and	and	CCONJ
easat-1490	358	15	ensuring	ensure	VERB
easat-1490	358	16	compatibility	compatibility	NOUN
easat-1490	358	17	with	with	ADP
easat-1490	358	18	different	different	ADJ
easat-1490	358	19	devices	device	NOUN
easat-1490	358	20	and	and	CCONJ
easat-1490	358	21	operating	operating	NOUN
easat-1490	358	22	systems	system	NOUN
easat-1490	358	23	.	.	PUNCT
easat-1490	359	1	to	to	PART
easat-1490	359	2	enhance	enhance	VERB
easat-1490	359	3	the	the	DET
easat-1490	359	4	efficiency	efficiency	NOUN
easat-1490	359	5	of	of	ADP
easat-1490	359	6	e	e	NOUN
easat-1490	359	7	-	-	NOUN
easat-1490	359	8	wallets	wallet	NOUN
easat-1490	359	9	,	,	PUNCT
easat-1490	359	10	it	it	PRON
easat-1490	359	11	is	be	AUX
easat-1490	359	12	recommended	recommend	VERB
easat-1490	359	13	that	that	SCONJ
easat-1490	359	14	the	the	DET
easat-1490	359	15	e	e	NOUN
easat-1490	359	16	-	-	NOUN
easat-1490	359	17	wallet	wallet	NOUN
easat-1490	359	18	companies	company	NOUN
easat-1490	359	19	educate	educate	VERB
easat-1490	359	20	the	the	DET
easat-1490	359	21	users	user	NOUN
easat-1490	359	22	on	on	ADP
easat-1490	359	23	the	the	DET
easat-1490	359	24	functionalities	functionality	NOUN
easat-1490	359	25	,	,	PUNCT
easat-1490	359	26	legalities	legality	NOUN
easat-1490	359	27	,	,	PUNCT
easat-1490	359	28	and	and	CCONJ
easat-1490	359	29	other	other	ADJ
easat-1490	359	30	features	feature	NOUN
easat-1490	359	31	of	of	ADP
easat-1490	359	32	the	the	DET
easat-1490	359	33	e	e	NOUN
easat-1490	359	34	-	-	NOUN
easat-1490	359	35	wallet	wallet	NOUN
easat-1490	359	36	users	user	NOUN
easat-1490	359	37	.	.	PUNCT
easat-1490	360	1	this	this	PRON
easat-1490	360	2	may	may	AUX
easat-1490	360	3	result	result	VERB
easat-1490	360	4	in	in	ADP
easat-1490	360	5	ensuring	ensure	VERB
easat-1490	360	6	broad	broad	ADJ
easat-1490	360	7	accessibility	accessibility	NOUN
easat-1490	360	8	,	,	PUNCT
easat-1490	360	9	improving	improve	VERB
easat-1490	360	10	customer	customer	NOUN
easat-1490	360	11	support	support	NOUN
easat-1490	360	12	,	,	PUNCT
easat-1490	360	13	and	and	CCONJ
easat-1490	360	14	promoting	promote	VERB
easat-1490	360	15	acceptance	acceptance	NOUN
easat-1490	360	16	among	among	ADP
easat-1490	360	17	businesses	business	NOUN
easat-1490	360	18	,	,	PUNCT
easat-1490	360	19	these	these	DET
easat-1490	360	20	actions	action	NOUN
easat-1490	360	21	directly	directly	ADV
easat-1490	360	22	align	align	VERB
easat-1490	360	23	with	with	ADP
easat-1490	360	24	the	the	DET
easat-1490	360	25	objective	objective	NOUN
easat-1490	360	26	of	of	ADP
easat-1490	360	27	positioning	position	VERB
easat-1490	360	28	e	e	NOUN
easat-1490	360	29	-	-	NOUN
easat-1490	360	30	wallets	wallet	NOUN
easat-1490	360	31	as	as	ADP
easat-1490	360	32	a	a	DET
easat-1490	360	33	more	more	ADV
easat-1490	360	34	efficient	efficient	ADJ
easat-1490	360	35	alternative	alternative	NOUN
easat-1490	360	36	to	to	ADP
easat-1490	360	37	cash	cash	NOUN
easat-1490	360	38	.	.	PUNCT
easat-1490	361	1	to	to	PART
easat-1490	361	2	reinforce	reinforce	VERB
easat-1490	361	3	confidence	confidence	NOUN
easat-1490	361	4	in	in	ADP
easat-1490	361	5	e	e	NOUN
easat-1490	361	6	-	-	NOUN
easat-1490	361	7	wallet	wallet	NOUN
easat-1490	361	8	news	news	NOUN
easat-1490	361	9	,	,	PUNCT
easat-1490	361	10	e	e	NOUN
easat-1490	361	11	-	-	NOUN
easat-1490	361	12	wallet	wallet	NOUN
easat-1490	361	13	providers	provider	NOUN
easat-1490	361	14	should	should	AUX
easat-1490	361	15	inquire	inquire	VERB
easat-1490	361	16	about	about	ADP
easat-1490	361	17	people	people	NOUN
easat-1490	361	18	's	's	PART
easat-1490	361	19	concerns	concern	NOUN
easat-1490	361	20	,	,	PUNCT
easat-1490	361	21	review	review	VERB
easat-1490	361	22	past	past	ADJ
easat-1490	361	23	errors	error	NOUN
easat-1490	361	24	,	,	PUNCT
easat-1490	361	25	and	and	CCONJ
easat-1490	361	26	collaborate	collaborate	VERB
easat-1490	361	27	with	with	ADP
easat-1490	361	28	experts	expert	NOUN
easat-1490	361	29	and	and	CCONJ
easat-1490	361	30	fact	fact	NOUN
easat-1490	361	31	-	-	PUNCT
easat-1490	361	32	checkers	checker	NOUN
easat-1490	361	33	.	.	PUNCT
easat-1490	362	1	educate	educate	VERB
easat-1490	362	2	on	on	ADP
easat-1490	362	3	information	information	NOUN
easat-1490	362	4	verification	verification	NOUN
easat-1490	362	5	processes	process	NOUN
easat-1490	362	6	,	,	PUNCT
easat-1490	362	7	commit	commit	VERB
easat-1490	362	8	to	to	ADP
easat-1490	362	9	regular	regular	ADJ
easat-1490	362	10	updates	update	NOUN
easat-1490	362	11	,	,	PUNCT
easat-1490	362	12	and	and	CCONJ
easat-1490	362	13	promptly	promptly	ADV
easat-1490	362	14	rectify	rectify	VERB
easat-1490	362	15	inaccuracies	inaccuracy	NOUN
easat-1490	362	16	.	.	PUNCT
easat-1490	363	1	ensure	ensure	VERB
easat-1490	363	2	transparency	transparency	NOUN
easat-1490	363	3	regarding	regard	VERB
easat-1490	363	4	sources	source	NOUN
easat-1490	363	5	,	,	PUNCT
easat-1490	363	6	solicit	solicit	VERB
easat-1490	363	7	feedback	feedback	NOUN
easat-1490	363	8	,	,	PUNCT
easat-1490	363	9	and	and	CCONJ
easat-1490	363	10	partner	partner	NOUN
easat-1490	363	11	with	with	ADP
easat-1490	363	12	fact	fact	NOUN
easat-1490	363	13	-	-	PUNCT
easat-1490	363	14	checkers	checker	NOUN
easat-1490	363	15	to	to	PART
easat-1490	363	16	ensure	ensure	VERB
easat-1490	363	17	the	the	DET
easat-1490	363	18	accuracy	accuracy	NOUN
easat-1490	363	19	of	of	ADP
easat-1490	363	20	news	news	NOUN
easat-1490	363	21	.	.	PUNCT
easat-1490	364	1	these	these	DET
easat-1490	364	2	measures	measure	NOUN
easat-1490	364	3	aim	aim	VERB
easat-1490	364	4	to	to	PART
easat-1490	364	5	enhance	enhance	VERB
easat-1490	364	6	the	the	DET
easat-1490	364	7	reliability	reliability	NOUN
easat-1490	364	8	of	of	ADP
easat-1490	364	9	e	e	NOUN
easat-1490	364	10	-	-	NOUN
easat-1490	364	11	wallet	wallet	NOUN
easat-1490	364	12	information	information	NOUN
easat-1490	364	13	.	.	PUNCT
easat-1490	365	1	businesses	business	NOUN
easat-1490	365	2	should	should	AUX
easat-1490	365	3	adopt	adopt	VERB
easat-1490	365	4	e	e	NOUN
easat-1490	365	5	-	-	NOUN
easat-1490	365	6	wallets	wallet	NOUN
easat-1490	365	7	for	for	ADP
easat-1490	365	8	cost	cost	NOUN
easat-1490	365	9	savings	saving	NOUN
easat-1490	365	10	,	,	PUNCT
easat-1490	365	11	streamlined	streamlined	ADJ
easat-1490	365	12	operations	operation	NOUN
easat-1490	365	13	,	,	PUNCT
easat-1490	365	14	and	and	CCONJ
easat-1490	365	15	increased	increase	VERB
easat-1490	365	16	customer	customer	NOUN
easat-1490	365	17	satisfaction	satisfaction	NOUN
easat-1490	365	18	.	.	PUNCT
easat-1490	366	1	e	e	X
easat-1490	366	2	-	-	NOUN
easat-1490	366	3	wallets	wallet	NOUN
easat-1490	366	4	offer	offer	VERB
easat-1490	366	5	efficiency	efficiency	NOUN
easat-1490	366	6	,	,	PUNCT
easat-1490	366	7	convenience	convenience	NOUN
easat-1490	366	8	,	,	PUNCT
easat-1490	366	9	and	and	CCONJ
easat-1490	366	10	improved	improve	VERB
easat-1490	366	11	financial	financial	ADJ
easat-1490	366	12	transactions	transaction	NOUN
easat-1490	366	13	,	,	PUNCT
easat-1490	366	14	ultimately	ultimately	ADV
easat-1490	366	15	benefiting	benefit	VERB
easat-1490	366	16	overall	overall	ADJ
easat-1490	366	17	business	business	NOUN
easat-1490	366	18	performance	performance	NOUN
easat-1490	366	19	.	.	PUNCT
easat-1490	367	1	the	the	DET
easat-1490	367	2	researchers	researcher	NOUN
easat-1490	367	3	also	also	ADV
easat-1490	367	4	recommend	recommend	VERB
easat-1490	367	5	to	to	PART
easat-1490	367	6	provide	provide	VERB
easat-1490	367	7	series	series	NOUN
easat-1490	367	8	of	of	ADP
easat-1490	367	9	trainings	training	NOUN
easat-1490	367	10	about	about	ADP
easat-1490	367	11	the	the	DET
easat-1490	367	12	use	use	NOUN
easat-1490	367	13	of	of	ADP
easat-1490	367	14	e	e	NOUN
easat-1490	367	15	-	-	NOUN
easat-1490	367	16	wallet	wallet	NOUN
easat-1490	367	17	including	include	VERB
easat-1490	367	18	its	its	PRON
easat-1490	367	19	legal	legal	ADJ
easat-1490	367	20	mandate	mandate	NOUN
easat-1490	367	21	so	so	SCONJ
easat-1490	367	22	that	that	SCONJ
easat-1490	367	23	,	,	PUNCT
easat-1490	367	24	the	the	DET
easat-1490	367	25	users	user	NOUN
easat-1490	367	26	and	and	CCONJ
easat-1490	367	27	the	the	DET
easat-1490	367	28	providers	provider	NOUN
easat-1490	367	29	will	will	AUX
easat-1490	367	30	comply	comply	VERB
easat-1490	367	31	with	with	ADP
easat-1490	367	32	the	the	DET
easat-1490	367	33	mandatory	mandatory	ADJ
easat-1490	367	34	requirements	requirement	NOUN
easat-1490	367	35	of	of	ADP
easat-1490	367	36	the	the	DET
easat-1490	367	37	law	law	NOUN
easat-1490	367	38	.	.	PUNCT
easat-1490	368	1	lastly	lastly	ADV
easat-1490	368	2	,	,	PUNCT
easat-1490	368	3	this	this	DET
easat-1490	368	4	study	study	NOUN
easat-1490	368	5	can	can	AUX
easat-1490	368	6	be	be	AUX
easat-1490	368	7	used	use	VERB
easat-1490	368	8	by	by	ADP
easat-1490	368	9	future	future	ADJ
easat-1490	368	10	researchers	researcher	NOUN
easat-1490	368	11	as	as	ADP
easat-1490	368	12	basis	basis	NOUN
easat-1490	368	13	for	for	ADP
easat-1490	368	14	new	new	ADJ
easat-1490	368	15	research	research	NOUN
easat-1490	368	16	topic	topic	NOUN
easat-1490	368	17	about	about	ADP
easat-1490	368	18	the	the	DET
easat-1490	368	19	use	use	NOUN
easat-1490	368	20	of	of	ADP
easat-1490	368	21	e	e	NOUN
easat-1490	368	22	-	-	NOUN
easat-1490	368	23	wallet	wallet	NOUN
easat-1490	368	24	.	.	PUNCT
easat-1490	369	1	this	this	DET
easat-1490	369	2	study	study	NOUN
easat-1490	369	3	may	may	AUX
easat-1490	369	4	serve	serve	VERB
easat-1490	369	5	as	as	ADP
easat-1490	369	6	a	a	DET
easat-1490	369	7	good	good	ADJ
easat-1490	369	8	starting	starting	NOUN
easat-1490	369	9	point	point	NOUN
easat-1490	369	10	to	to	PART
easat-1490	369	11	create	create	VERB
easat-1490	369	12	new	new	ADJ
easat-1490	369	13	discoveries	discovery	NOUN
easat-1490	369	14	and	and	CCONJ
easat-1490	369	15	solutions	solution	NOUN
easat-1490	369	16	for	for	ADP
easat-1490	369	17	the	the	DET
easat-1490	369	18	community	community	NOUN
easat-1490	369	19	.	.	PUNCT
easat-1490	370	1	acknowledgments	acknowledgment	NOUN
easat-1490	370	2	:	:	PUNCT
easat-1490	370	3	the	the	DET
easat-1490	370	4	researchers	researcher	NOUN
easat-1490	370	5	would	would	AUX
easat-1490	370	6	like	like	VERB
easat-1490	370	7	to	to	PART
easat-1490	370	8	express	express	VERB
easat-1490	370	9	their	their	PRON
easat-1490	370	10	heartfelt	heartfelt	ADJ
easat-1490	370	11	gratitude	gratitude	NOUN
easat-1490	370	12	to	to	ADP
easat-1490	370	13	their	their	PRON
easat-1490	370	14	families	family	NOUN
easat-1490	370	15	and	and	CCONJ
easat-1490	370	16	friends	friend	NOUN
easat-1490	370	17	for	for	ADP
easat-1490	370	18	their	their	PRON
easat-1490	370	19	unwavering	unwavering	ADJ
easat-1490	370	20	support	support	NOUN
easat-1490	370	21	throughout	throughout	ADP
easat-1490	370	22	this	this	DET
easat-1490	370	23	study	study	NOUN
easat-1490	370	24	.	.	PUNCT
easat-1490	371	1	they	they	PRON
easat-1490	371	2	also	also	ADV
easat-1490	371	3	wish	wish	VERB
easat-1490	371	4	to	to	PART
easat-1490	371	5	extend	extend	VERB
easat-1490	371	6	their	their	PRON
easat-1490	371	7	appreciation	appreciation	NOUN
easat-1490	371	8	to	to	ADP
easat-1490	371	9	their	their	PRON
easat-1490	371	10	1172	1172	NUM
easat-1490	371	11	edelweiss	edelweiss	PROPN
easat-1490	371	12	applied	apply	VERB
easat-1490	371	13	science	science	NOUN
easat-1490	371	14	and	and	CCONJ
easat-1490	371	15	technology	technology	NOUN
easat-1490	371	16	issn	issn	PROPN
easat-1490	371	17	:	:	PUNCT
easat-1490	371	18	2576	2576	NUM
easat-1490	371	19	-	-	SYM
easat-1490	371	20	8484	8484	NUM
easat-1490	371	21	vol	vol	NOUN
easat-1490	371	22	.	.	PROPN
easat-1490	371	23	8	8	NUM
easat-1490	371	24	,	,	PUNCT
easat-1490	371	25	no	no	INTJ
easat-1490	371	26	.	.	NOUN
easat-1490	371	27	4	4	NUM
easat-1490	371	28	:	:	SYM
easat-1490	371	29	1157	1157	NUM
easat-1490	371	30	-	-	SYM
easat-1490	371	31	1173	1173	NUM
easat-1490	371	32	,	,	PUNCT
easat-1490	371	33	2024	2024	NUM
easat-1490	371	34	doi	doi	NOUN
easat-1490	371	35	:	:	PUNCT
easat-1490	371	36	10.55214/25768484.v8i4.1490	10.55214/25768484.v8i4.1490	NUM
easat-1490	371	37	©	©	PROPN
easat-1490	371	38	2024	2024	NUM
easat-1490	371	39	by	by	ADP
easat-1490	371	40	the	the	DET
easat-1490	371	41	authors	author	NOUN
easat-1490	371	42	;	;	PUNCT
easat-1490	371	43	licensee	licensee	PROPN
easat-1490	371	44	learning	learn	VERB
easat-1490	371	45	gate	gate	PROPN
easat-1490	371	46	institutions	institution	NOUN
easat-1490	371	47	,	,	PUNCT
easat-1490	371	48	nueva	nueva	PROPN
easat-1490	371	49	ecija	ecija	PROPN
easat-1490	371	50	university	university	PROPN
easat-1490	371	51	of	of	ADP
easat-1490	371	52	science	science	NOUN
easat-1490	371	53	and	and	CCONJ
easat-1490	371	54	technology	technology	NOUN
easat-1490	371	55	and	and	CCONJ
easat-1490	371	56	bulacan	bulacan	PROPN
easat-1490	371	57	state	state	PROPN
easat-1490	371	58	university	university	PROPN
easat-1490	371	59	,	,	PUNCT
easat-1490	371	60	for	for	ADP
easat-1490	371	61	their	their	PRON
easat-1490	371	62	continuous	continuous	ADJ
easat-1490	371	63	encouragement	encouragement	NOUN
easat-1490	371	64	and	and	CCONJ
easat-1490	371	65	support	support	NOUN
easat-1490	371	66	during	during	ADP
easat-1490	371	67	the	the	DET
easat-1490	371	68	entire	entire	ADJ
easat-1490	371	69	journey	journey	NOUN
easat-1490	371	70	in	in	ADP
easat-1490	371	71	pursuit	pursuit	NOUN
easat-1490	371	72	of	of	ADP
easat-1490	371	73	this	this	DET
easat-1490	371	74	new	new	ADJ
easat-1490	371	75	knowledge	knowledge	NOUN
easat-1490	371	76	.	.	PUNCT
easat-1490	372	1	copyright	copyright	NOUN
easat-1490	372	2	:	:	PUNCT
easat-1490	372	3	©	©	PROPN
easat-1490	372	4	2024	2024	NUM
easat-1490	372	5	by	by	ADP
easat-1490	372	6	the	the	DET
easat-1490	372	7	authors	author	NOUN
easat-1490	372	8	.	.	PUNCT
easat-1490	373	1	this	this	DET
easat-1490	373	2	article	article	NOUN
easat-1490	373	3	is	be	AUX
easat-1490	373	4	an	an	DET
easat-1490	373	5	open	open	ADJ
easat-1490	373	6	access	access	NOUN
easat-1490	373	7	article	article	NOUN
easat-1490	373	8	distributed	distribute	VERB
easat-1490	373	9	under	under	ADP
easat-1490	373	10	the	the	DET
easat-1490	373	11	terms	term	NOUN
easat-1490	373	12	and	and	CCONJ
easat-1490	373	13	conditions	condition	NOUN
easat-1490	373	14	of	of	ADP
easat-1490	373	15	the	the	DET
easat-1490	373	16	creative	creative	ADJ
easat-1490	373	17	commons	common	NOUN
easat-1490	373	18	attribution	attribution	NOUN
easat-1490	373	19	(	(	PUNCT
easat-1490	373	20	cc	cc	NOUN
easat-1490	373	21	by	by	ADP
easat-1490	373	22	)	)	PUNCT
easat-1490	373	23	license	license	NOUN
easat-1490	373	24	(	(	PUNCT
easat-1490	373	25	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-1490	373	26	)	)	PUNCT
easat-1490	373	27	.	.	PUNCT
easat-1490	374	1	references	reference	NOUN
easat-1490	374	2	[	[	X
easat-1490	374	3	1	1	NUM
easat-1490	374	4	]	]	PUNCT
easat-1490	374	5	agustin	agustin	PROPN
easat-1490	374	6	,	,	PUNCT
easat-1490	374	7	a.	a.	PROPN
easat-1490	374	8	,	,	PUNCT
easat-1490	374	9	marvella	marvella	PROPN
easat-1490	374	10	,	,	PUNCT
easat-1490	374	11	d.	d.	PROPN
easat-1490	374	12	and	and	CCONJ
easat-1490	374	13	deviarti	deviarti	PROPN
easat-1490	374	14	,	,	PUNCT
easat-1490	374	15	h.	h.	PROPN
easat-1490	374	16	(	(	PUNCT
easat-1490	374	17	2023	2023	NUM
easat-1490	374	18	)	)	PUNCT
easat-1490	374	19	'	'	PUNCT
easat-1490	374	20	the	the	DET
easat-1490	374	21	impact	impact	NOUN
easat-1490	374	22	of	of	ADP
easat-1490	374	23	e	e	NOUN
easat-1490	374	24	-	-	NOUN
easat-1490	374	25	wallet	wallet	NOUN
easat-1490	374	26	towards	towards	ADP
easat-1490	374	27	consumer	consumer	NOUN
easat-1490	374	28	behavior	behavior	NOUN
easat-1490	374	29	in	in	ADP
easat-1490	374	30	indonesia	indonesia	PROPN
easat-1490	374	31	moderated	moderate	VERB
easat-1490	374	32	by	by	ADP
easat-1490	374	33	consumers	consumer	NOUN
easat-1490	374	34	aged	age	VERB
easat-1490	374	35	15	15	NUM
easat-1490	374	36	-	-	SYM
easat-1490	374	37	30	30	NUM
easat-1490	374	38	,	,	PUNCT
easat-1490	374	39	'	'	PUNCT
easat-1490	374	40	e3s	e3s	PROPN
easat-1490	374	41	web	web	NOUN
easat-1490	374	42	of	of	ADP
easat-1490	374	43	conferences	conference	NOUN
easat-1490	374	44	,	,	PUNCT
easat-1490	374	45	426	426	NUM
easat-1490	374	46	,	,	PUNCT
easat-1490	374	47	p.	p.	NOUN
easat-1490	374	48	01048	01048	NUM
easat-1490	374	49	.	.	PUNCT
easat-1490	375	1	https://doi.org/10.1051/e3sconf/202342601048	https://doi.org/10.1051/e3sconf/202342601048	PROPN
easat-1490	375	2	.	.	PUNCT
easat-1490	376	1	[	[	X
easat-1490	376	2	2	2	X
easat-1490	376	3	]	]	PUNCT
easat-1490	376	4	alsyouf	alsyouf	PROPN
easat-1490	376	5	,	,	PUNCT
easat-1490	376	6	a.	a.	PROPN
easat-1490	376	7	,	,	PUNCT
easat-1490	376	8	lutfi	lutfi	PROPN
easat-1490	376	9	,	,	PUNCT
easat-1490	376	10	a.	a.	PROPN
easat-1490	376	11	,	,	PUNCT
easat-1490	376	12	alsubahi	alsubahi	PROPN
easat-1490	376	13	,	,	PUNCT
easat-1490	376	14	n.	n.	NOUN
easat-1490	376	15	,	,	PUNCT
easat-1490	376	16	alhazmi	alhazmi	PROPN
easat-1490	376	17	,	,	PUNCT
easat-1490	376	18	f.	f.	PROPN
easat-1490	376	19	n.	n.	PROPN
easat-1490	376	20	,	,	PUNCT
easat-1490	376	21	al	al	PROPN
easat-1490	376	22	-	-	PUNCT
easat-1490	376	23	mugheed	mugheed	PROPN
easat-1490	376	24	,	,	PUNCT
easat-1490	376	25	k.	k.	PROPN
easat-1490	376	26	,	,	PUNCT
easat-1490	376	27	anshasi	anshasi	PROPN
easat-1490	376	28	,	,	PUNCT
easat-1490	376	29	r.	r.	PROPN
easat-1490	376	30	j.	j.	PROPN
easat-1490	376	31	,	,	PUNCT
easat-1490	376	32	alharbi	alharbi	PROPN
easat-1490	376	33	,	,	PUNCT
easat-1490	376	34	n.	n.	PROPN
easat-1490	376	35	i.	i.	PROPN
easat-1490	376	36	,	,	PUNCT
easat-1490	376	37	&	&	CCONJ
easat-1490	376	38	albugami	albugami	PROPN
easat-1490	376	39	,	,	PUNCT
easat-1490	376	40	m.	m.	NOUN
easat-1490	376	41	(	(	PUNCT
easat-1490	376	42	2023	2023	NUM
easat-1490	376	43	)	)	PUNCT
easat-1490	376	44	.	.	PUNCT
easat-1490	377	1	the	the	DET
easat-1490	377	2	use	use	NOUN
easat-1490	377	3	of	of	ADP
easat-1490	377	4	a	a	DET
easat-1490	377	5	technology	technology	NOUN
easat-1490	377	6	acceptance	acceptance	NOUN
easat-1490	377	7	model	model	NOUN
easat-1490	377	8	(	(	PUNCT
easat-1490	377	9	tam	tam	PROPN
easat-1490	377	10	)	)	PUNCT
easat-1490	377	11	to	to	PART
easat-1490	377	12	predict	predict	VERB
easat-1490	377	13	patients	patient	NOUN
easat-1490	377	14	’	'	PUNCT
easat-1490	377	15	usage	usage	NOUN
easat-1490	377	16	of	of	ADP
easat-1490	377	17	a	a	DET
easat-1490	377	18	personal	personal	ADJ
easat-1490	377	19	health	health	NOUN
easat-1490	377	20	record	record	NOUN
easat-1490	377	21	system	system	NOUN
easat-1490	377	22	:	:	PUNCT
easat-1490	377	23	the	the	DET
easat-1490	377	24	role	role	NOUN
easat-1490	377	25	of	of	ADP
easat-1490	377	26	security	security	NOUN
easat-1490	377	27	,	,	PUNCT
easat-1490	377	28	privacy	privacy	NOUN
easat-1490	377	29	,	,	PUNCT
easat-1490	377	30	and	and	CCONJ
easat-1490	377	31	usability	usability	NOUN
easat-1490	377	32	.	.	PUNCT
easat-1490	378	1	international	international	ADJ
easat-1490	378	2	journal	journal	PROPN
easat-1490	378	3	of	of	ADP
easat-1490	378	4	environmental	environmental	ADJ
easat-1490	378	5	research	research	NOUN
easat-1490	378	6	and	and	CCONJ
easat-1490	378	7	public	public	ADJ
easat-1490	378	8	health	health	NOUN
easat-1490	378	9	/	/	SYM
easat-1490	378	10	international	international	ADJ
easat-1490	378	11	journal	journal	NOUN
easat-1490	378	12	of	of	ADP
easat-1490	378	13	environmental	environmental	ADJ
easat-1490	378	14	research	research	NOUN
easat-1490	378	15	and	and	CCONJ
easat-1490	378	16	public	public	ADJ
easat-1490	378	17	health	health	NOUN
easat-1490	378	18	,	,	PUNCT
easat-1490	378	19	20(2	20(2	NUM
easat-1490	378	20	)	)	PUNCT
easat-1490	378	21	,	,	PUNCT
easat-1490	378	22	1347	1347	NUM
easat-1490	378	23	.	.	PUNCT
easat-1490	379	1	https://doi.org/10.3390/ijerph20021347	https://doi.org/10.3390/ijerph20021347	ADJ
easat-1490	379	2	[	[	X
easat-1490	379	3	3	3	NUM
easat-1490	379	4	]	]	X
easat-1490	379	5	anugerah	anugerah	PROPN
easat-1490	379	6	,	,	PUNCT
easat-1490	379	7	d.	d.	PROPN
easat-1490	379	8	p.	p.	PROPN
easat-1490	379	9	,	,	PUNCT
easat-1490	379	10	&	&	CCONJ
easat-1490	379	11	indriani	indriani	PROPN
easat-1490	379	12	,	,	PUNCT
easat-1490	379	13	m.	m.	NOUN
easat-1490	379	14	(	(	PUNCT
easat-1490	379	15	2018	2018	NUM
easat-1490	379	16	)	)	PUNCT
easat-1490	379	17	.	.	PUNCT
easat-1490	380	1	data	datum	NOUN
easat-1490	380	2	protection	protection	NOUN
easat-1490	380	3	in	in	ADP
easat-1490	380	4	financial	financial	ADJ
easat-1490	380	5	technology	technology	NOUN
easat-1490	380	6	services	service	NOUN
easat-1490	380	7	:	:	PUNCT
easat-1490	380	8	indonesian	indonesian	ADJ
easat-1490	380	9	legal	legal	ADJ
easat-1490	380	10	perspective	perspective	NOUN
easat-1490	380	11	.	.	PUNCT
easat-1490	381	1	iop	iop	PROPN
easat-1490	381	2	conference	conference	PROPN
easat-1490	381	3	series	series	PROPN
easat-1490	381	4	.	.	PUNCT
easat-1490	382	1	earth	earth	NOUN
easat-1490	382	2	and	and	CCONJ
easat-1490	382	3	environmental	environmental	ADJ
easat-1490	382	4	science	science	NOUN
easat-1490	382	5	,	,	PUNCT
easat-1490	382	6	175	175	NUM
easat-1490	382	7	,	,	PUNCT
easat-1490	382	8	012188	012188	NUM
easat-1490	382	9	.	.	PUNCT
easat-1490	383	1	https://doi.org/10.1088/1755-1315/175/1/012188	https://doi.org/10.1088/1755-1315/175/1/012188	NOUN
easat-1490	383	2	[	[	SYM
easat-1490	383	3	4	4	NUM
easat-1490	383	4	]	]	PUNCT
easat-1490	383	5	apuke	apuke	NOUN
easat-1490	383	6	,	,	PUNCT
easat-1490	383	7	o.	o.	PROPN
easat-1490	383	8	d.	d.	PROPN
easat-1490	383	9	(	(	PUNCT
easat-1490	383	10	2017	2017	NUM
easat-1490	383	11	)	)	PUNCT
easat-1490	383	12	.	.	PUNCT
easat-1490	384	1	quantitative	quantitative	ADJ
easat-1490	384	2	research	research	NOUN
easat-1490	384	3	methods	method	NOUN
easat-1490	384	4	 	 	SPACE
easat-1490	384	5	:	:	PUNCT
easat-1490	384	6	a	a	DET
easat-1490	384	7	synopsis	synopsis	NOUN
easat-1490	384	8	approach	approach	NOUN
easat-1490	384	9	.	.	PUNCT
easat-1490	385	1	deleted	delete	VERB
easat-1490	385	2	journal	journal	NOUN
easat-1490	385	3	,	,	PUNCT
easat-1490	385	4	6(11	6(11	NUM
easat-1490	385	5	)	)	PUNCT
easat-1490	385	6	,	,	PUNCT
easat-1490	385	7	40–47	40–47	NUM
easat-1490	385	8	.	.	NOUN
easat-1490	385	9	https://doi.org/10.12816/0040336	https://doi.org/10.12816/0040336	PUNCT
easat-1490	386	1	[	[	X
easat-1490	386	2	5	5	NUM
easat-1490	386	3	]	]	PUNCT
easat-1490	386	4	ariff	ariff	NOUN
easat-1490	386	5	,	,	PUNCT
easat-1490	386	6	m.	m.	NOUN
easat-1490	386	7	s.	s.	PROPN
easat-1490	386	8	m.	m.	PROPN
easat-1490	386	9	,	,	PUNCT
easat-1490	386	10	yeow	yeow	PROPN
easat-1490	386	11	,	,	PUNCT
easat-1490	386	12	s.	s.	PROPN
easat-1490	386	13	m.	m.	PROPN
easat-1490	386	14	,	,	PUNCT
easat-1490	386	15	&	&	CCONJ
easat-1490	386	16	zakuan	zakuan	PROPN
easat-1490	386	17	,	,	PUNCT
easat-1490	386	18	n.	n.	PROPN
easat-1490	386	19	(	(	PUNCT
easat-1490	386	20	2014	2014	NUM
easat-1490	386	21	)	)	PUNCT
easat-1490	386	22	.	.	PUNCT
easat-1490	387	1	acceptance	acceptance	NOUN
easat-1490	387	2	of	of	ADP
easat-1490	387	3	internet	internet	NOUN
easat-1490	387	4	banking	banking	NOUN
easat-1490	387	5	systems	system	NOUN
easat-1490	387	6	among	among	ADP
easat-1490	387	7	young	young	ADJ
easat-1490	387	8	users	user	NOUN
easat-1490	387	9	;	;	PUNCT
easat-1490	387	10	the	the	DET
easat-1490	387	11	effect	effect	NOUN
easat-1490	387	12	of	of	ADP
easat-1490	387	13	technology	technology	NOUN
easat-1490	387	14	acceptance	acceptance	NOUN
easat-1490	387	15	model	model	NOUN
easat-1490	387	16	.	.	PUNCT
easat-1490	388	1	advanced	advanced	ADJ
easat-1490	388	2	science	science	NOUN
easat-1490	388	3	letters	letter	NOUN
easat-1490	388	4	,	,	PUNCT
easat-1490	388	5	20(1	20(1	NUM
easat-1490	388	6	)	)	PUNCT
easat-1490	388	7	,	,	PUNCT
easat-1490	388	8	268–272	268–272	NUM
easat-1490	388	9	.	.	PUNCT
easat-1490	389	1	https://doi.org/10.1166/asl.2014.5249	https://doi.org/10.1166/asl.2014.5249	NOUN
easat-1490	390	1	[	[	X
easat-1490	390	2	6	6	NUM
easat-1490	390	3	]	]	PUNCT
easat-1490	390	4	aydin	aydin	NOUN
easat-1490	390	5	,	,	PUNCT
easat-1490	390	6	g.	g.	PROPN
easat-1490	390	7	and	and	CCONJ
easat-1490	390	8	burnaz	burnaz	PROPN
easat-1490	390	9	,	,	PUNCT
easat-1490	390	10	s.	s.	PROPN
easat-1490	390	11	(	(	PUNCT
easat-1490	390	12	2016	2016	NUM
easat-1490	390	13	)	)	PUNCT
easat-1490	390	14	'	'	PART
easat-1490	390	15	adoption	adoption	NOUN
easat-1490	390	16	of	of	ADP
easat-1490	390	17	mobile	mobile	ADJ
easat-1490	390	18	payment	payment	NOUN
easat-1490	390	19	systems	system	NOUN
easat-1490	390	20	:	:	PUNCT
easat-1490	390	21	a	a	DET
easat-1490	390	22	study	study	NOUN
easat-1490	390	23	on	on	ADP
easat-1490	390	24	mobile	mobile	ADJ
easat-1490	390	25	wallets	wallet	NOUN
easat-1490	390	26	,	,	PUNCT
easat-1490	390	27	'	'	PUNCT
easat-1490	390	28	journal	journal	NOUN
easat-1490	390	29	of	of	ADP
easat-1490	390	30	business	business	NOUN
easat-1490	390	31	,	,	PUNCT
easat-1490	390	32	economics	economic	NOUN
easat-1490	390	33	and	and	CCONJ
easat-1490	390	34	finance	finance	NOUN
easat-1490	390	35	,	,	PUNCT
easat-1490	390	36	5(1	5(1	NUM
easat-1490	390	37	)	)	PUNCT
easat-1490	390	38	,	,	PUNCT
easat-1490	390	39	p.	p.	NOUN
easat-1490	390	40	73	73	NUM
easat-1490	390	41	.	.	PUNCT
easat-1490	391	1	https://doi.org/10.17261/pressacademia.2016116555	https://doi.org/10.17261/pressacademia.2016116555	NOUN
easat-1490	391	2	.	.	PUNCT
easat-1490	392	1	[	[	X
easat-1490	392	2	7	7	NUM
easat-1490	392	3	]	]	PUNCT
easat-1490	392	4	berakon	berakon	PROPN
easat-1490	392	5	,	,	PUNCT
easat-1490	392	6	i.	i.	PROPN
easat-1490	392	7	,	,	PUNCT
easat-1490	392	8	aji	aji	PROPN
easat-1490	392	9	,	,	PUNCT
easat-1490	392	10	h.	h.	PROPN
easat-1490	392	11	m.	m.	PROPN
easat-1490	392	12	,	,	PUNCT
easat-1490	392	13	&	&	CCONJ
easat-1490	392	14	hafizi	hafizi	PROPN
easat-1490	392	15	,	,	PUNCT
easat-1490	392	16	m.	m.	PROPN
easat-1490	392	17	r.	r.	PROPN
easat-1490	392	18	(	(	PUNCT
easat-1490	392	19	2021	2021	NUM
easat-1490	392	20	)	)	PUNCT
easat-1490	392	21	.	.	PUNCT
easat-1490	393	1	impact	impact	NOUN
easat-1490	393	2	of	of	ADP
easat-1490	393	3	digital	digital	ADJ
easat-1490	393	4	sharia	sharia	PROPN
easat-1490	393	5	banking	banking	NOUN
easat-1490	393	6	systems	system	NOUN
easat-1490	393	7	on	on	ADP
easat-1490	393	8	cash	cash	NOUN
easat-1490	393	9	-	-	PUNCT
easat-1490	393	10	waqf	waqf	NOUN
easat-1490	393	11	among	among	ADP
easat-1490	393	12	indonesian	indonesian	ADJ
easat-1490	393	13	muslim	muslim	ADJ
easat-1490	393	14	youth	youth	PROPN
easat-1490	393	15	.	.	PUNCT
easat-1490	394	1	journal	journal	PROPN
easat-1490	394	2	of	of	ADP
easat-1490	394	3	islamic	islamic	PROPN
easat-1490	394	4	marketing	marketing	NOUN
easat-1490	394	5	.	.	PUNCT
easat-1490	395	1	https://doi.org/10.1108/jima-11-2020-0337	https://doi.org/10.1108/jima-11-2020-0337	NOUN
easat-1490	396	1	[	[	X
easat-1490	396	2	8	8	NUM
easat-1490	396	3	]	]	X
easat-1490	396	4	campbell	campbell	PROPN
easat-1490	396	5	,	,	PUNCT
easat-1490	396	6	s.	s.	PROPN
easat-1490	396	7	et	et	PROPN
easat-1490	396	8	al	al	PROPN
easat-1490	396	9	.	.	PROPN
easat-1490	396	10	(	(	PUNCT
easat-1490	396	11	2020b	2020b	NUM
easat-1490	396	12	)	)	PUNCT
easat-1490	396	13	'	'	PUNCT
easat-1490	396	14	purposive	purposive	ADJ
easat-1490	396	15	sampling	sampling	NOUN
easat-1490	396	16	:	:	PUNCT
easat-1490	396	17	complex	complex	ADJ
easat-1490	396	18	or	or	CCONJ
easat-1490	396	19	simple	simple	ADJ
easat-1490	396	20	?	?	PUNCT
easat-1490	397	1	research	research	NOUN
easat-1490	397	2	case	case	NOUN
easat-1490	397	3	examples	example	NOUN
easat-1490	397	4	,	,	PUNCT
easat-1490	397	5	'	'	PUNCT
easat-1490	397	6	journal	journal	NOUN
easat-1490	397	7	of	of	ADP
easat-1490	397	8	research	research	NOUN
easat-1490	397	9	in	in	ADP
easat-1490	397	10	nursing	nursing	NOUN
easat-1490	397	11	,	,	PUNCT
easat-1490	397	12	25(8	25(8	NUM
easat-1490	397	13	)	)	PUNCT
easat-1490	397	14	,	,	PUNCT
easat-1490	397	15	pp	pp	ADP
easat-1490	397	16	.	.	PUNCT
easat-1490	398	1	652–661	652–661	NUM
easat-1490	398	2	.	.	PUNCT
easat-1490	399	1	https://doi.org/10.1177/1744987120927206	https://doi.org/10.1177/1744987120927206	X
easat-1490	399	2	.	.	PUNCT
easat-1490	400	1	[	[	X
easat-1490	400	2	9	9	NUM
easat-1490	400	3	]	]	PUNCT
easat-1490	400	4	chelvarayan	chelvarayan	NOUN
easat-1490	400	5	,	,	PUNCT
easat-1490	400	6	a.	a.	PROPN
easat-1490	400	7	,	,	PUNCT
easat-1490	400	8	yeo	yeo	PROPN
easat-1490	400	9	,	,	PUNCT
easat-1490	400	10	s.	s.	PROPN
easat-1490	400	11	f.	f.	PROPN
easat-1490	400	12	,	,	PUNCT
easat-1490	400	13	yi	yi	PROPN
easat-1490	400	14	,	,	PUNCT
easat-1490	400	15	h.	h.	PROPN
easat-1490	400	16	h.	h.	PROPN
easat-1490	400	17	,	,	PUNCT
easat-1490	400	18	&	&	CCONJ
easat-1490	400	19	hashim	hashim	PROPN
easat-1490	400	20	,	,	PUNCT
easat-1490	400	21	h.	h.	PROPN
easat-1490	400	22	(	(	PUNCT
easat-1490	400	23	2022	2022	NUM
easat-1490	400	24	)	)	PUNCT
easat-1490	400	25	.	.	PUNCT
easat-1490	401	1	e	e	X
easat-1490	401	2	-	-	NOUN
easat-1490	401	3	wallet	wallet	NOUN
easat-1490	401	4	:	:	PUNCT
easat-1490	401	5	a	a	DET
easat-1490	401	6	study	study	NOUN
easat-1490	401	7	on	on	ADP
easat-1490	401	8	cashless	cashless	NOUN
easat-1490	401	9	transactions	transaction	NOUN
easat-1490	401	10	among	among	ADP
easat-1490	401	11	university	university	NOUN
easat-1490	401	12	students	student	NOUN
easat-1490	401	13	.	.	PUNCT
easat-1490	402	1	f1000research	f1000research	VERB
easat-1490	402	2	,	,	PUNCT
easat-1490	402	3	11	11	NUM
easat-1490	402	4	,	,	PUNCT
easat-1490	402	5	687	687	NUM
easat-1490	402	6	.	.	PUNCT
easat-1490	403	1	https://doi.org/10.12688/f1000research.73545.1	https://doi.org/10.12688/f1000research.73545.1	NOUN
easat-1490	403	2	[	[	X
easat-1490	403	3	10	10	NUM
easat-1490	403	4	]	]	X
easat-1490	403	5	davis	davis	PROPN
easat-1490	403	6	,	,	PUNCT
easat-1490	403	7	f.	f.	PROPN
easat-1490	403	8	d.	d.	PROPN
easat-1490	403	9	,	,	PUNCT
easat-1490	403	10	&	&	CCONJ
easat-1490	403	11	venkatesh	venkatesh	PROPN
easat-1490	403	12	,	,	PUNCT
easat-1490	403	13	v.	v.	PROPN
easat-1490	403	14	(	(	PUNCT
easat-1490	403	15	1996	1996	NUM
easat-1490	403	16	)	)	PUNCT
easat-1490	403	17	.	.	PUNCT
easat-1490	404	1	a	a	DET
easat-1490	404	2	critical	critical	ADJ
easat-1490	404	3	assessment	assessment	NOUN
easat-1490	404	4	of	of	ADP
easat-1490	404	5	potential	potential	ADJ
easat-1490	404	6	measurement	measurement	NOUN
easat-1490	404	7	biases	bias	NOUN
easat-1490	404	8	in	in	ADP
easat-1490	404	9	the	the	DET
easat-1490	404	10	technology	technology	NOUN
easat-1490	404	11	acceptance	acceptance	NOUN
easat-1490	404	12	model	model	NOUN
easat-1490	404	13	:	:	PUNCT
easat-1490	404	14	three	three	NUM
easat-1490	404	15	experiments	experiment	NOUN
easat-1490	404	16	.	.	PUNCT
easat-1490	405	1	international	international	ADJ
easat-1490	405	2	journal	journal	NOUN
easat-1490	405	3	of	of	ADP
easat-1490	405	4	human	human	ADJ
easat-1490	405	5	-	-	PUNCT
easat-1490	405	6	computer	computer	NOUN
easat-1490	405	7	studies	study	NOUN
easat-1490	405	8	,	,	PUNCT
easat-1490	405	9	45(1	45(1	NOUN
easat-1490	405	10	)	)	PUNCT
easat-1490	405	11	,	,	PUNCT
easat-1490	405	12	19–45	19–45	NUM
easat-1490	405	13	.	.	PUNCT
easat-1490	406	1	https://doi.org/10.1006/ijhc.1996.0040	https://doi.org/10.1006/ijhc.1996.0040	PROPN
easat-1490	406	2	[	[	X
easat-1490	406	3	11	11	NUM
easat-1490	406	4	]	]	X
easat-1490	406	5	dwivedi	dwivedi	NOUN
easat-1490	406	6	,	,	PUNCT
easat-1490	406	7	y.	y.	PROPN
easat-1490	406	8	k.	k.	PROPN
easat-1490	406	9	,	,	PUNCT
easat-1490	406	10	ismagilova	ismagilova	PROPN
easat-1490	406	11	,	,	PUNCT
easat-1490	406	12	e.	e.	PROPN
easat-1490	406	13	,	,	PUNCT
easat-1490	406	14	hughes	hughes	PROPN
easat-1490	406	15	,	,	PUNCT
easat-1490	406	16	d.	d.	PROPN
easat-1490	406	17	l.	l.	PROPN
easat-1490	406	18	,	,	PUNCT
easat-1490	406	19	carlson	carlson	PROPN
easat-1490	406	20	,	,	PUNCT
easat-1490	406	21	j.	j.	PROPN
easat-1490	406	22	,	,	PUNCT
easat-1490	406	23	filieri	filieri	PROPN
easat-1490	406	24	,	,	PUNCT
easat-1490	406	25	r.	r.	PROPN
easat-1490	406	26	,	,	PUNCT
easat-1490	406	27	jacobson	jacobson	PROPN
easat-1490	406	28	,	,	PUNCT
easat-1490	406	29	j.	j.	PROPN
easat-1490	406	30	,	,	PUNCT
easat-1490	406	31	jain	jain	PROPN
easat-1490	406	32	,	,	PUNCT
easat-1490	406	33	v.	v.	PROPN
easat-1490	406	34	,	,	PUNCT
easat-1490	406	35	karjaluoto	karjaluoto	PROPN
easat-1490	406	36	,	,	PUNCT
easat-1490	406	37	h.	h.	PROPN
easat-1490	406	38	,	,	PUNCT
easat-1490	406	39	kefi	kefi	PROPN
easat-1490	406	40	,	,	PUNCT
easat-1490	406	41	h.	h.	PROPN
easat-1490	406	42	,	,	PUNCT
easat-1490	406	43	krishen	krishen	INTJ
easat-1490	406	44	,	,	PUNCT
easat-1490	406	45	a.	a.	PROPN
easat-1490	406	46	s.	s.	PROPN
easat-1490	406	47	,	,	PUNCT
easat-1490	406	48	kumar	kumar	PROPN
easat-1490	406	49	,	,	PUNCT
easat-1490	406	50	v.	v.	PROPN
easat-1490	406	51	,	,	PUNCT
easat-1490	406	52	rahman	rahman	PROPN
easat-1490	406	53	,	,	PUNCT
easat-1490	406	54	m.	m.	NOUN
easat-1490	406	55	m.	m.	NOUN
easat-1490	406	56	,	,	PUNCT
easat-1490	406	57	raman	raman	NOUN
easat-1490	406	58	,	,	PUNCT
easat-1490	406	59	r.	r.	PROPN
easat-1490	406	60	,	,	PUNCT
easat-1490	406	61	rauschnabel	rauschnabel	NOUN
easat-1490	406	62	,	,	PUNCT
easat-1490	406	63	p.	p.	NOUN
easat-1490	406	64	a.	a.	NOUN
easat-1490	406	65	,	,	PUNCT
easat-1490	406	66	rowley	rowley	NOUN
easat-1490	406	67	,	,	PUNCT
easat-1490	406	68	j.	j.	PROPN
easat-1490	406	69	,	,	PUNCT
easat-1490	406	70	salo	salo	PROPN
easat-1490	406	71	,	,	PUNCT
easat-1490	406	72	j.	j.	PROPN
easat-1490	406	73	,	,	PUNCT
easat-1490	406	74	tran	tran	PROPN
easat-1490	406	75	,	,	PUNCT
easat-1490	406	76	g.	g.	PROPN
easat-1490	406	77	a.	a.	PROPN
easat-1490	406	78	,	,	PUNCT
easat-1490	406	79	&	&	CCONJ
easat-1490	406	80	wang	wang	PROPN
easat-1490	406	81	,	,	PUNCT
easat-1490	406	82	y.	y.	PROPN
easat-1490	406	83	(	(	PUNCT
easat-1490	406	84	2021	2021	NUM
easat-1490	406	85	)	)	PUNCT
easat-1490	406	86	.	.	PUNCT
easat-1490	407	1	setting	set	VERB
easat-1490	407	2	the	the	DET
easat-1490	407	3	future	future	NOUN
easat-1490	407	4	of	of	ADP
easat-1490	407	5	digital	digital	ADJ
easat-1490	407	6	and	and	CCONJ
easat-1490	407	7	social	social	ADJ
easat-1490	407	8	media	medium	NOUN
easat-1490	407	9	marketing	marketing	NOUN
easat-1490	407	10	research	research	NOUN
easat-1490	407	11	:	:	PUNCT
easat-1490	407	12	perspectives	perspective	NOUN
easat-1490	407	13	and	and	CCONJ
easat-1490	407	14	research	research	NOUN
easat-1490	407	15	propositions	proposition	NOUN
easat-1490	407	16	.	.	PUNCT
easat-1490	408	1	international	international	ADJ
easat-1490	408	2	journal	journal	PROPN
easat-1490	408	3	of	of	ADP
easat-1490	408	4	information	information	NOUN
easat-1490	408	5	management	management	NOUN
easat-1490	408	6	,	,	PUNCT
easat-1490	408	7	59	59	NUM
easat-1490	408	8	,	,	PUNCT
easat-1490	408	9	102168	102168	NUM
easat-1490	408	10	.	.	PUNCT
easat-1490	409	1	https://doi.org/10.1016/j.ijinfomgt.2020.102168	https://doi.org/10.1016/j.ijinfomgt.2020.102168	ADP
easat-1490	409	2	[	[	X
easat-1490	409	3	12	12	NUM
easat-1490	409	4	]	]	PUNCT
easat-1490	409	5	graf	graf	NOUN
easat-1490	409	6	-	-	PUNCT
easat-1490	409	7	vlachy	vlachy	NOUN
easat-1490	409	8	,	,	PUNCT
easat-1490	409	9	l.	l.	PROPN
easat-1490	409	10	,	,	PUNCT
easat-1490	409	11	buhtz	buhtz	ADV
easat-1490	409	12	,	,	PUNCT
easat-1490	409	13	k.	k.	PROPN
easat-1490	409	14	,	,	PUNCT
easat-1490	409	15	&	&	CCONJ
easat-1490	409	16	könig	könig	PROPN
easat-1490	409	17	,	,	PUNCT
easat-1490	409	18	a.	a.	NOUN
easat-1490	409	19	(	(	PUNCT
easat-1490	409	20	2018	2018	NUM
easat-1490	409	21	)	)	PUNCT
easat-1490	409	22	.	.	PUNCT
easat-1490	410	1	social	social	ADJ
easat-1490	410	2	influence	influence	NOUN
easat-1490	410	3	in	in	ADP
easat-1490	410	4	technology	technology	NOUN
easat-1490	410	5	adoption	adoption	NOUN
easat-1490	410	6	:	:	PUNCT
easat-1490	410	7	taking	take	VERB
easat-1490	410	8	stock	stock	NOUN
easat-1490	410	9	and	and	CCONJ
easat-1490	410	10	moving	move	VERB
easat-1490	410	11	forward	forward	ADV
easat-1490	410	12	.	.	PUNCT
easat-1490	411	1	management	management	NOUN
easat-1490	411	2	review	review	NOUN
easat-1490	411	3	quarterly	quarterly	ADV
easat-1490	411	4	,	,	PUNCT
easat-1490	411	5	68(1	68(1	NOUN
easat-1490	411	6	)	)	PUNCT
easat-1490	411	7	,	,	PUNCT
easat-1490	411	8	37–76	37–76	NUM
easat-1490	411	9	.	.	PUNCT
easat-1490	412	1	https://doi.org/10.1007/s11301-017-0133-3	https://doi.org/10.1007/s11301-017-0133-3	PRON
easat-1490	413	1	[	[	X
easat-1490	413	2	13	13	NUM
easat-1490	413	3	]	]	PUNCT
easat-1490	413	4	halimah	halimah	NOUN
easat-1490	413	5	,	,	PUNCT
easat-1490	413	6	i.h	i.h	PROPN
easat-1490	413	7	.	.	PROPN
easat-1490	413	8	and	and	CCONJ
easat-1490	413	9	riza	riza	PROPN
easat-1490	413	10	,	,	PUNCT
easat-1490	413	11	a.f	a.f	PROPN
easat-1490	413	12	.	.	PROPN
easat-1490	413	13	(	(	PUNCT
easat-1490	413	14	2022	2022	NUM
easat-1490	413	15	)	)	PUNCT
easat-1490	413	16	'	'	PART
easat-1490	413	17	millennials	millennial	NOUN
easat-1490	413	18	response	response	VERB
easat-1490	413	19	on	on	ADP
easat-1490	413	20	the	the	DET
easat-1490	413	21	existence	existence	NOUN
easat-1490	413	22	of	of	ADP
easat-1490	413	23	the	the	DET
easat-1490	413	24	first	first	ADJ
easat-1490	413	25	sharia	sharia	PROPN
easat-1490	413	26	electronic	electronic	ADJ
easat-1490	413	27	money	money	NOUN
easat-1490	413	28	in	in	ADP
easat-1490	413	29	indonesia	indonesia	PROPN
easat-1490	413	30	,	,	PUNCT
easat-1490	413	31	'	'	PUNCT
easat-1490	413	32	jurnal	jurnal	PROPN
easat-1490	413	33	al	al	PROPN
easat-1490	413	34	qardh	qardh	PROPN
easat-1490	413	35	/	/	SYM
easat-1490	413	36	jurnal	jurnal	PROPN
easat-1490	413	37	al	al	PROPN
easat-1490	413	38	-	-	PUNCT
easat-1490	413	39	qardh	qardh	PROPN
easat-1490	413	40	,	,	PUNCT
easat-1490	413	41	7(2	7(2	NUM
easat-1490	413	42	)	)	PUNCT
easat-1490	413	43	,	,	PUNCT
easat-1490	413	44	pp	pp	ADP
easat-1490	413	45	.	.	PUNCT
easat-1490	414	1	151–168	151–168	NUM
easat-1490	414	2	.	.	PUNCT
easat-1490	415	1	https://doi.org/10.23971/jaq.v7i2.5760	https://doi.org/10.23971/jaq.v7i2.5760	NUM
easat-1490	415	2	.	.	PUNCT
easat-1490	416	1	[	[	X
easat-1490	416	2	14	14	NUM
easat-1490	416	3	]	]	SYM
easat-1490	416	4	harsanto	harsanto	NOUN
easat-1490	416	5	,	,	PUNCT
easat-1490	416	6	w.a	w.a	PROPN
easat-1490	416	7	.	.	PROPN
easat-1490	416	8	,	,	PUNCT
easat-1490	416	9	matondang	matondang	PROPN
easat-1490	416	10	,	,	PUNCT
easat-1490	416	11	n.	n.	PROPN
easat-1490	416	12	and	and	CCONJ
easat-1490	416	13	wibowo	wibowo	PROPN
easat-1490	416	14	,	,	PUNCT
easat-1490	416	15	r.p	r.p	PROPN
easat-1490	416	16	.	.	PROPN
easat-1490	416	17	(	(	PUNCT
easat-1490	416	18	2023b	2023b	NUM
easat-1490	416	19	)	)	PUNCT
easat-1490	416	20	'	'	PUNCT
easat-1490	416	21	the	the	DET
easat-1490	416	22	use	use	NOUN
easat-1490	416	23	of	of	ADP
easat-1490	416	24	technology	technology	NOUN
easat-1490	416	25	acceptance	acceptance	NOUN
easat-1490	416	26	model	model	NOUN
easat-1490	416	27	(	(	PUNCT
easat-1490	416	28	tam	tam	PROPN
easat-1490	416	29	)	)	PUNCT
easat-1490	416	30	to	to	PART
easat-1490	416	31	analyze	analyze	VERB
easat-1490	416	32	consumer	consumer	NOUN
easat-1490	416	33	acceptance	acceptance	NOUN
easat-1490	416	34	towards	towards	ADP
easat-1490	416	35	e	e	NOUN
easat-1490	416	36	-	-	NOUN
easat-1490	416	37	commerce	commerce	NOUN
easat-1490	416	38	websites	website	NOUN
easat-1490	416	39	.	.	PUNCT
easat-1490	417	1	a	a	DET
easat-1490	417	2	case	case	NOUN
easat-1490	417	3	of	of	ADP
easat-1490	417	4	the	the	DET
easat-1490	417	5	plantage.id	plantage.id	PROPN
easat-1490	417	6	digital	digital	ADJ
easat-1490	417	7	transformation	transformation	NOUN
easat-1490	417	8	solution	solution	NOUN
easat-1490	417	9	,	,	PUNCT
easat-1490	417	10	'	'	PUNCT
easat-1490	417	11	journal	journal	NOUN
easat-1490	417	12	of	of	ADP
easat-1490	417	13	environmental	environmental	ADJ
easat-1490	417	14	and	and	CCONJ
easat-1490	417	15	development	development	NOUN
easat-1490	417	16	studies	study	NOUN
easat-1490	417	17	,	,	PUNCT
easat-1490	417	18	4(2	4(2	NUM
easat-1490	417	19	)	)	PUNCT
easat-1490	417	20	,	,	PUNCT
easat-1490	417	21	pp	pp	ADP
easat-1490	417	22	.	.	PUNCT
easat-1490	418	1	206–213	206–213	NUM
easat-1490	418	2	.	.	PUNCT
easat-1490	419	1	https://doi.org/10.32734/jeds.v4i2.13144	https://doi.org/10.32734/jeds.v4i2.13144	X
easat-1490	419	2	.	.	PUNCT
easat-1490	420	1	[	[	X
easat-1490	420	2	15	15	NUM
easat-1490	420	3	]	]	X
easat-1490	420	4	hashim	hashim	PROPN
easat-1490	420	5	,	,	PUNCT
easat-1490	420	6	n.h	n.h	PROPN
easat-1490	420	7	.	.	PROPN
easat-1490	420	8	,	,	PUNCT
easat-1490	420	9	chan	chan	PROPN
easat-1490	420	10	,	,	PUNCT
easat-1490	420	11	t.j	t.j	PROPN
easat-1490	420	12	.	.	PROPN
easat-1490	420	13	and	and	CCONJ
easat-1490	420	14	li	li	PROPN
easat-1490	420	15	,	,	PUNCT
easat-1490	420	16	p.	p.	NOUN
easat-1490	420	17	(	(	PUNCT
easat-1490	420	18	2023	2023	NUM
easat-1490	420	19	)	)	PUNCT
easat-1490	420	20	'	'	PART
easat-1490	420	21	factors	factor	NOUN
easat-1490	420	22	affecting	affect	VERB
easat-1490	420	23	the	the	DET
easat-1490	420	24	adoption	adoption	NOUN
easat-1490	420	25	of	of	ADP
easat-1490	420	26	e	e	NOUN
easat-1490	420	27	-	-	NOUN
easat-1490	420	28	wallets	wallet	NOUN
easat-1490	420	29	to	to	PART
easat-1490	420	30	enter	enter	VERB
easat-1490	420	31	cashless	cashless	NOUN
easat-1490	420	32	society	society	NOUN
easat-1490	420	33	:	:	PUNCT
easat-1490	420	34	an	an	DET
easat-1490	420	35	integration	integration	NOUN
easat-1490	420	36	approach	approach	NOUN
easat-1490	420	37	,	,	PUNCT
easat-1490	420	38	'	'	PUNCT
easat-1490	420	39	international	international	ADJ
easat-1490	420	40	journal	journal	NOUN
easat-1490	420	41	of	of	ADP
easat-1490	420	42	data	datum	NOUN
easat-1490	420	43	and	and	CCONJ
easat-1490	420	44	network	network	NOUN
easat-1490	420	45	science	science	NOUN
easat-1490	420	46	,	,	PUNCT
easat-1490	420	47	7(4	7(4	NUM
easat-1490	420	48	)	)	PUNCT
easat-1490	420	49	,	,	PUNCT
easat-1490	420	50	pp	pp	ADP
easat-1490	420	51	.	.	PUNCT
easat-1490	420	52	1849–1860	1849–1860	NUM
easat-1490	420	53	.	.	PUNCT
easat-1490	421	1	https://doi.org/10.5267/j.ijdns.2023.7.007	https://doi.org/10.5267/j.ijdns.2023.7.007	NOUN
easat-1490	421	2	.	.	PUNCT
easat-1490	422	1	[	[	X
easat-1490	422	2	16	16	NUM
easat-1490	422	3	]	]	X
easat-1490	422	4	kasirye	kasirye	PROPN
easat-1490	422	5	,	,	PUNCT
easat-1490	422	6	f.	f.	PROPN
easat-1490	422	7	,	,	PUNCT
easat-1490	422	8	&	&	CCONJ
easat-1490	422	9	masum	masum	PROPN
easat-1490	422	10	,	,	PUNCT
easat-1490	422	11	s.	s.	PROPN
easat-1490	422	12	m.	m.	PROPN
easat-1490	422	13	h.	h.	PROPN
easat-1490	422	14	(	(	PUNCT
easat-1490	422	15	2021	2021	NUM
easat-1490	422	16	)	)	PUNCT
easat-1490	422	17	.	.	PUNCT
easat-1490	423	1	the	the	DET
easat-1490	423	2	effects	effect	NOUN
easat-1490	423	3	of	of	ADP
easat-1490	423	4	e	e	NOUN
easat-1490	423	5	-	-	NOUN
easat-1490	423	6	wallet	wallet	NOUN
easat-1490	423	7	among	among	ADP
easat-1490	423	8	various	various	ADJ
easat-1490	423	9	types	type	NOUN
easat-1490	423	10	of	of	ADP
easat-1490	423	11	users	user	NOUN
easat-1490	423	12	in	in	ADP
easat-1490	423	13	malaysia	malaysia	PROPN
easat-1490	423	14	:	:	PUNCT
easat-1490	423	15	a	a	DET
easat-1490	423	16	comparative	comparative	ADJ
easat-1490	423	17	study	study	NOUN
easat-1490	423	18	.	.	PUNCT
easat-1490	424	1	researchgate	researchgate	NOUN
easat-1490	424	2	.	.	PUNCT
easat-1490	425	1	https://www.researchgate.net/publication/350452739_the_effects_of_ewallet_among_various_types_of_users_in_malaysia_a_comparative_study	https://www.researchgate.net/publication/350452739_the_effects_of_ewallet_among_various_types_of_users_in_malaysia_a_comparative_study	PROPN
easat-1490	426	1	[	[	X
easat-1490	426	2	17	17	NUM
easat-1490	426	3	]	]	X
easat-1490	426	4	lestari	lestari	PROPN
easat-1490	426	5	,	,	PUNCT
easat-1490	426	6	m.	m.	NOUN
easat-1490	426	7	,	,	PUNCT
easat-1490	426	8	soleh	soleh	NOUN
easat-1490	426	9	,	,	PUNCT
easat-1490	426	10	a.	a.	NOUN
easat-1490	426	11	and	and	CCONJ
easat-1490	426	12	nasution	nasution	NOUN
easat-1490	426	13	,	,	PUNCT
easat-1490	426	14	s.	s.	PROPN
easat-1490	426	15	(	(	PUNCT
easat-1490	426	16	2023	2023	NUM
easat-1490	426	17	)	)	PUNCT
easat-1490	426	18	'	'	PUNCT
easat-1490	426	19	the	the	DET
easat-1490	426	20	effect	effect	NOUN
easat-1490	426	21	of	of	ADP
easat-1490	426	22	e	e	NOUN
easat-1490	426	23	-	-	NOUN
easat-1490	426	24	wallet	wallet	NOUN
easat-1490	426	25	and	and	CCONJ
easat-1490	426	26	e	e	NOUN
easat-1490	426	27	-	-	NOUN
easat-1490	426	28	money	money	NOUN
easat-1490	426	29	on	on	ADP
easat-1490	426	30	consumptive	consumptive	ADJ
easat-1490	426	31	behavior	behavior	NOUN
easat-1490	426	32	of	of	ADP
easat-1490	426	33	the	the	DET
easat-1490	426	34	people	people	NOUN
easat-1490	426	35	of	of	ADP
easat-1490	426	36	bengkulu	bengkulu	VERB
easat-1490	426	37	city	city	NOUN
easat-1490	426	38	,	,	PUNCT
easat-1490	426	39	'	'	PUNCT
easat-1490	426	40	jurnal	jurnal	ADJ
easat-1490	426	41	fokus	fokus	NOUN
easat-1490	426	42	manajemen	manajeman	NOUN
easat-1490	426	43	,	,	PUNCT
easat-1490	426	44	3(1	3(1	NUM
easat-1490	426	45	)	)	PUNCT
easat-1490	426	46	.	.	PUNCT
easat-1490	427	1	https://doi.org/10.37676/jfm.v3i1.3603	https://doi.org/10.37676/jfm.v3i1.3603	PROPN
easat-1490	427	2	.	.	PUNCT
easat-1490	428	1	[	[	X
easat-1490	428	2	18	18	NUM
easat-1490	428	3	]	]	SYM
easat-1490	428	4	ma’ruf	ma’ruf	NOUN
easat-1490	428	5	,	,	PUNCT
easat-1490	428	6	z.	z.	PROPN
easat-1490	428	7	et	et	PROPN
easat-1490	428	8	al	al	PROPN
easat-1490	428	9	.	.	PROPN
easat-1490	429	1	(	(	PUNCT
easat-1490	429	2	2022	2022	NUM
easat-1490	429	3	)	)	PUNCT
easat-1490	429	4	'	'	PART
easat-1490	430	1	analisis	analisis	ADJ
easat-1490	430	2	minat	minat	NOUN
easat-1490	430	3	konsumen	konsumen	PROPN
easat-1490	430	4	terhadap	terhadap	PROPN
easat-1490	430	5	aplikasi	aplikasi	PROPN
easat-1490	430	6	e	e	PROPN
easat-1490	430	7	-	-	NOUN
easat-1490	430	8	wallet	wallet	NOUN
easat-1490	430	9	dalam	dalam	PROPN
easat-1490	430	10	bertransaksi	bertransaksi	PROPN
easat-1490	430	11	dengan	dengan	PROPN
easat-1490	430	12	menggunakan	menggunakan	PROPN
easat-1490	430	13	kerangka	kerangka	PROPN
easat-1490	430	14	technology	technology	PROPN
easat-1490	430	15	acceptance	acceptance	NOUN
easat-1490	430	16	model	model	NOUN
easat-1490	430	17	,	,	PUNCT
easat-1490	430	18	'	'	PUNCT
easat-1490	430	19	jurnal	jurnal	ADJ
easat-1490	430	20	manajemen	manajeman	NOUN
easat-1490	430	21	dan	dan	PROPN
easat-1490	430	22	sains	sains	PROPN
easat-1490	430	23	,	,	PUNCT
easat-1490	430	24	7(2	7(2	NUM
easat-1490	430	25	)	)	PUNCT
easat-1490	430	26	,	,	PUNCT
easat-1490	430	27	p.	p.	NOUN
easat-1490	430	28	508	508	NUM
easat-1490	430	29	.	.	PUNCT
easat-1490	431	1	https://doi.org/10.33087/jmas.v7i2.442	https://doi.org/10.33087/jmas.v7i2.442	PROPN
easat-1490	431	2	.	.	PUNCT
easat-1490	432	1	[	[	X
easat-1490	432	2	19	19	NUM
easat-1490	432	3	]	]	X
easat-1490	432	4	mathai	mathai	PROPN
easat-1490	432	5	&	&	CCONJ
easat-1490	432	6	mathai	mathai	PROPN
easat-1490	432	7	,	,	PUNCT
easat-1490	432	8	a.	a.	PROPN
easat-1490	432	9	(	(	PUNCT
easat-1490	432	10	2024	2024	NUM
easat-1490	432	11	,	,	PUNCT
easat-1490	432	12	may	may	AUX
easat-1490	432	13	30	30	NUM
easat-1490	432	14	)	)	PUNCT
easat-1490	432	15	.	.	PUNCT
easat-1490	433	1	from	from	ADP
easat-1490	433	2	idea	idea	NOUN
easat-1490	433	3	to	to	ADP
easat-1490	433	4	launcha	launcha	VERB
easat-1490	433	5	complete	complete	ADJ
easat-1490	433	6	guide	guide	NOUN
easat-1490	433	7	for	for	ADP
easat-1490	433	8	digital	digital	ADJ
easat-1490	433	9	wallet	wallet	NOUN
easat-1490	433	10	app	app	NOUN
easat-1490	433	11	.	.	PUNCT
easat-1490	434	1	mindster	mindster	NOUN
easat-1490	434	2	-	-	PUNCT
easat-1490	434	3	blogs	blog	NOUN
easat-1490	434	4	.	.	PUNCT
easat-1490	435	1	https://mindster.com/mindster-blogs/digital-wallet-app-complete-guide/	https://mindster.com/mindster-blogs/digital-wallet-app-complete-guide/	VERB
easat-1490	436	1	[	[	X
easat-1490	436	2	20	20	NUM
easat-1490	436	3	]	]	X
easat-1490	436	4	ncsc	ncsc	PROPN
easat-1490	436	5	(	(	PUNCT
easat-1490	436	6	2022	2022	NUM
easat-1490	436	7	)	)	PUNCT
easat-1490	436	8	purposive	purposive	NOUN
easat-1490	436	9	and	and	CCONJ
easat-1490	436	10	convenience	convenience	NOUN
easat-1490	436	11	sampling	sampling	NOUN
easat-1490	436	12	.	.	PUNCT
easat-1490	437	1	https://www.ncsc.org/consulting-and-research/areas-ofexpertise/communications,-civics-and-disinformation/community-engagement/toolkit/purposive-and-conveniencesampling#:~:text=purposive%20sampling%20refers%20to%20intentionally,contact%20on%20a%20practical%20level	https://www.ncsc.org/consulting-and-research/areas-ofexpertise/communications,-civics-and-disinformation/community-engagement/toolkit/purposive-and-conveniencesampling#:~:text=purposive%20sampling%20refers%20to%20intentionally,contact%20on%20a%20practical%20level	ADJ
easat-1490	437	2	.	.	PUNCT
easat-1490	438	1	[	[	X
easat-1490	438	2	21	21	NUM
easat-1490	438	3	]	]	X
easat-1490	438	4	rajan	rajan	PROPN
easat-1490	438	5	,	,	PUNCT
easat-1490	438	6	m.a	m.a	PROPN
easat-1490	438	7	.	.	PROPN
easat-1490	438	8	(	(	PUNCT
easat-1490	438	9	2012	2012	NUM
easat-1490	438	10	)	)	PUNCT
easat-1490	438	11	'	'	PUNCT
easat-1490	438	12	the	the	DET
easat-1490	438	13	future	future	NOUN
easat-1490	438	14	of	of	ADP
easat-1490	438	15	wallets	wallet	NOUN
easat-1490	438	16	:	:	PUNCT
easat-1490	438	17	a	a	DET
easat-1490	438	18	look	look	NOUN
easat-1490	438	19	at	at	ADP
easat-1490	438	20	the	the	DET
easat-1490	438	21	privacy	privacy	NOUN
easat-1490	438	22	implications	implication	NOUN
easat-1490	438	23	of	of	ADP
easat-1490	438	24	mobile	mobile	ADJ
easat-1490	438	25	payments	payment	NOUN
easat-1490	438	26	,	,	PUNCT
easat-1490	438	27	'	'	PUNCT
easat-1490	438	28	commlaw	commlaw	NOUN
easat-1490	438	29	conspectus	conspectus	NOUN
easat-1490	438	30	:	:	PUNCT
easat-1490	438	31	journal	journal	NOUN
easat-1490	438	32	of	of	ADP
easat-1490	438	33	communications	communication	NOUN
easat-1490	438	34	law	law	NOUN
easat-1490	438	35	and	and	CCONJ
easat-1490	438	36	technology	technology	NOUN
easat-1490	438	37	policy	policy	NOUN
easat-1490	438	38	,	,	PUNCT
easat-1490	438	39	20(2	20(2	NUM
easat-1490	438	40	)	)	PUNCT
easat-1490	438	41	,	,	PUNCT
easat-1490	438	42	pp	pp	ADP
easat-1490	438	43	.	.	PUNCT
easat-1490	439	1	445–470	445–470	NUM
easat-1490	439	2	.	.	PUNCT
easat-1490	440	1	https://scholarship.law.edu/cgi/viewcontent.cgi?article=1495&context=commlaw	https://scholarship.law.edu/cgi/viewcontent.cgi?article=1495&context=commlaw	NOUN
easat-1490	440	2	.	.	PUNCT
easat-1490	441	1	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-1490	441	2	1173	1173	NUM
easat-1490	441	3	edelweiss	edelweiss	PROPN
easat-1490	441	4	applied	apply	VERB
easat-1490	441	5	science	science	NOUN
easat-1490	441	6	and	and	CCONJ
easat-1490	441	7	technology	technology	NOUN
easat-1490	441	8	issn	issn	PROPN
easat-1490	441	9	:	:	PUNCT
easat-1490	441	10	2576	2576	NUM
easat-1490	441	11	-	-	SYM
easat-1490	441	12	8484	8484	NUM
easat-1490	441	13	vol	vol	NOUN
easat-1490	441	14	.	.	PROPN
easat-1490	441	15	8	8	NUM
easat-1490	441	16	,	,	PUNCT
easat-1490	441	17	no	no	INTJ
easat-1490	441	18	.	.	NOUN
easat-1490	441	19	4	4	NUM
easat-1490	441	20	:	:	SYM
easat-1490	441	21	1157	1157	NUM
easat-1490	441	22	-	-	SYM
easat-1490	441	23	1173	1173	NUM
easat-1490	441	24	,	,	PUNCT
easat-1490	441	25	2024	2024	NUM
easat-1490	441	26	doi	doi	NOUN
easat-1490	441	27	:	:	PUNCT
easat-1490	441	28	10.55214/25768484.v8i4.1490	10.55214/25768484.v8i4.1490	NUM
easat-1490	441	29	©	©	PROPN
easat-1490	441	30	2024	2024	NUM
easat-1490	441	31	by	by	ADP
easat-1490	441	32	the	the	DET
easat-1490	441	33	authors	author	NOUN
easat-1490	441	34	;	;	PUNCT
easat-1490	441	35	licensee	licensee	PROPN
easat-1490	441	36	learning	learning	NOUN
easat-1490	441	37	gate	gate	NOUN
easat-1490	442	1	[	[	X
easat-1490	442	2	22	22	NUM
easat-1490	442	3	]	]	X
easat-1490	442	4	ramli	ramli	PROPN
easat-1490	442	5	,	,	PUNCT
easat-1490	442	6	f.a.a	f.a.a	PROPN
easat-1490	442	7	.	.	PROPN
easat-1490	442	8	and	and	CCONJ
easat-1490	442	9	hamzah	hamzah	PROPN
easat-1490	442	10	,	,	PUNCT
easat-1490	442	11	m.i	m.i	PROPN
easat-1490	442	12	.	.	PROPN
easat-1490	442	13	(	(	PUNCT
easat-1490	442	14	2021	2021	NUM
easat-1490	442	15	)	)	PUNCT
easat-1490	442	16	'	'	PUNCT
easat-1490	442	17	mobile	mobile	ADJ
easat-1490	442	18	payment	payment	NOUN
easat-1490	442	19	and	and	CCONJ
easat-1490	442	20	e	e	NOUN
easat-1490	442	21	-	-	NOUN
easat-1490	442	22	wallet	wallet	NOUN
easat-1490	442	23	adoption	adoption	NOUN
easat-1490	442	24	in	in	ADP
easat-1490	442	25	emerging	emerge	VERB
easat-1490	442	26	economies	economy	NOUN
easat-1490	442	27	:	:	PUNCT
easat-1490	442	28	a	a	DET
easat-1490	442	29	systematic	systematic	ADJ
easat-1490	442	30	literature	literature	NOUN
easat-1490	442	31	review	review	NOUN
easat-1490	442	32	,	,	PUNCT
easat-1490	442	33	'	'	PUNCT
easat-1490	442	34	journal	journal	NOUN
easat-1490	442	35	of	of	ADP
easat-1490	442	36	emerging	emerge	VERB
easat-1490	442	37	economies	economy	NOUN
easat-1490	442	38	and	and	CCONJ
easat-1490	442	39	islamic	islamic	ADJ
easat-1490	442	40	research	research	NOUN
easat-1490	442	41	,	,	PUNCT
easat-1490	442	42	9(2	9(2	NUM
easat-1490	442	43	)	)	PUNCT
easat-1490	442	44	,	,	PUNCT
easat-1490	442	45	p.	p.	NOUN
easat-1490	442	46	1	1	NUM
easat-1490	442	47	.	.	PUNCT
easat-1490	443	1	https://doi.org/10.24191/jeeir.v9i2.13617	https://doi.org/10.24191/jeeir.v9i2.13617	X
easat-1490	443	2	.	.	PUNCT
easat-1490	444	1	[	[	X
easat-1490	444	2	23	23	NUM
easat-1490	444	3	]	]	X
easat-1490	444	4	soodan	soodan	NOUN
easat-1490	444	5	,	,	PUNCT
easat-1490	444	6	v.	v.	PROPN
easat-1490	444	7	,	,	PUNCT
easat-1490	444	8	jamwal	jamwal	NOUN
easat-1490	444	9	,	,	PUNCT
easat-1490	444	10	m.	m.	NOUN
easat-1490	444	11	,	,	PUNCT
easat-1490	444	12	rana	rana	PROPN
easat-1490	444	13	,	,	PUNCT
easat-1490	444	14	n.	n.	PROPN
easat-1490	444	15	p.	p.	PROPN
easat-1490	444	16	,	,	PUNCT
easat-1490	444	17	sharma	sharma	PROPN
easat-1490	444	18	,	,	PUNCT
easat-1490	444	19	d.	d.	PROPN
easat-1490	444	20	,	,	PUNCT
easat-1490	444	21	&	&	CCONJ
easat-1490	444	22	chakraborty	chakraborty	PROPN
easat-1490	444	23	,	,	PUNCT
easat-1490	444	24	s.	s.	PROPN
easat-1490	444	25	(	(	PUNCT
easat-1490	444	26	2023	2023	NUM
easat-1490	444	27	)	)	PUNCT
easat-1490	444	28	.	.	PUNCT
easat-1490	445	1	modelling	model	VERB
easat-1490	445	2	the	the	DET
easat-1490	445	3	adoption	adoption	NOUN
easat-1490	445	4	of	of	ADP
easat-1490	445	5	agro	agro	ADJ
easat-1490	445	6	-	-	PUNCT
easat-1490	445	7	advisory	advisory	ADJ
easat-1490	445	8	mobile	mobile	ADJ
easat-1490	445	9	applications	application	NOUN
easat-1490	445	10	:	:	PUNCT
easat-1490	445	11	a	a	DET
easat-1490	445	12	theoretical	theoretical	ADJ
easat-1490	445	13	extension	extension	NOUN
easat-1490	445	14	and	and	CCONJ
easat-1490	445	15	analysis	analysis	NOUN
easat-1490	445	16	using	use	VERB
easat-1490	445	17	result	result	NOUN
easat-1490	445	18	demonstrability	demonstrability	NOUN
easat-1490	445	19	,	,	PUNCT
easat-1490	445	20	trust	trust	NOUN
easat-1490	445	21	,	,	PUNCT
easat-1490	445	22	self	self	NOUN
easat-1490	445	23	-	-	PUNCT
easat-1490	445	24	efficacy	efficacy	NOUN
easat-1490	445	25	and	and	CCONJ
easat-1490	445	26	mobile	mobile	ADJ
easat-1490	445	27	usage	usage	NOUN
easat-1490	445	28	proficiency	proficiency	NOUN
easat-1490	445	29	.	.	PUNCT
easat-1490	446	1	journal	journal	PROPN
easat-1490	446	2	of	of	ADP
easat-1490	446	3	agribusiness	agribusiness	NOUN
easat-1490	446	4	in	in	ADP
easat-1490	446	5	developing	develop	VERB
easat-1490	446	6	and	and	CCONJ
easat-1490	446	7	emerging	emerge	VERB
easat-1490	446	8	economies	economy	NOUN
easat-1490	446	9	.	.	PUNCT
easat-1490	447	1	https://doi.org/10.1108/jadee-05-2022-0087	https://doi.org/10.1108/jadee-05-2022-0087	NOUN
easat-1490	447	2	[	[	X
easat-1490	447	3	24	24	NUM
easat-1490	447	4	]	]	X
easat-1490	447	5	subaramaniam	subaramaniam	PROPN
easat-1490	447	6	,	,	PUNCT
easat-1490	447	7	k.	k.	PROPN
easat-1490	447	8	(	(	PUNCT
easat-1490	447	9	2020	2020	NUM
easat-1490	447	10	)	)	PUNCT
easat-1490	448	1	'	'	PUNCT
easat-1490	448	2	the	the	DET
easat-1490	448	3	impact	impact	NOUN
easat-1490	448	4	of	of	ADP
easat-1490	448	5	e	e	NOUN
easat-1490	448	6	-	-	NOUN
easat-1490	448	7	wallets	wallet	NOUN
easat-1490	448	8	for	for	ADP
easat-1490	448	9	current	current	ADJ
easat-1490	448	10	generation	generation	NOUN
easat-1490	448	11	,	,	PUNCT
easat-1490	448	12	'	'	PUNCT
easat-1490	448	13	journal	journal	NOUN
easat-1490	448	14	of	of	ADP
easat-1490	448	15	advanced	advanced	ADJ
easat-1490	448	16	research	research	NOUN
easat-1490	448	17	in	in	ADP
easat-1490	448	18	dynamical	dynamical	ADJ
easat-1490	448	19	and	and	CCONJ
easat-1490	448	20	control	control	NOUN
easat-1490	448	21	systems	system	NOUN
easat-1490	448	22	,	,	PUNCT
easat-1490	448	23	12(01	12(01	NOUN
easat-1490	448	24	-	-	PUNCT
easat-1490	448	25	special	special	ADJ
easat-1490	448	26	issue	issue	NOUN
easat-1490	448	27	)	)	PUNCT
easat-1490	448	28	,	,	PUNCT
easat-1490	448	29	pp	pp	ADP
easat-1490	448	30	.	.	PUNCT
easat-1490	449	1	751–759	751–759	NUM
easat-1490	449	2	.	.	PUNCT
easat-1490	450	1	https://doi.org/10.5373/jardcs/v12sp1/20201126	https://doi.org/10.5373/jardcs/v12sp1/20201126	NOUN
easat-1490	450	2	.	.	PUNCT
easat-1490	451	1	[	[	X
easat-1490	451	2	25	25	NUM
easat-1490	451	3	]	]	PUNCT
easat-1490	451	4	surendran	surendran	NOUN
easat-1490	451	5	,	,	PUNCT
easat-1490	451	6	p.	p.	NOUN
easat-1490	451	7	(	(	PUNCT
easat-1490	451	8	2012b	2012b	NUM
easat-1490	451	9	)	)	PUNCT
easat-1490	451	10	'	'	PUNCT
easat-1490	451	11	technology	technology	NOUN
easat-1490	451	12	acceptance	acceptance	NOUN
easat-1490	451	13	model	model	NOUN
easat-1490	451	14	:	:	PUNCT
easat-1490	451	15	a	a	DET
easat-1490	451	16	survey	survey	NOUN
easat-1490	451	17	of	of	ADP
easat-1490	451	18	literature	literature	NOUN
easat-1490	451	19	,	,	PUNCT
easat-1490	451	20	'	'	PUNCT
easat-1490	451	21	2(4	2(4	NUM
easat-1490	451	22	)	)	PUNCT
easat-1490	451	23	,	,	PUNCT
easat-1490	451	24	pp	pp	ADP
easat-1490	451	25	.	.	PUNCT
easat-1490	452	1	175–178	175–178	NUM
easat-1490	452	2	.	.	PUNCT
easat-1490	452	3	https://doi.org/10.18533/ijbsr.v2i4.161	https://doi.org/10.18533/ijbsr.v2i4.161	ADJ
easat-1490	452	4	.	.	PUNCT
easat-1490	453	1	[	[	X
easat-1490	453	2	26	26	NUM
easat-1490	453	3	]	]	PUNCT
easat-1490	453	4	technology	technology	NOUN
easat-1490	453	5	acceptance	acceptance	NOUN
easat-1490	453	6	model	model	NOUN
easat-1490	453	7	theoryhub	theoryhub	PROPN
easat-1490	453	8	academic	academic	ADJ
easat-1490	453	9	theories	theory	NOUN
easat-1490	453	10	reviews	review	VERB
easat-1490	453	11	for	for	ADP
easat-1490	453	12	research	research	NOUN
easat-1490	453	13	and	and	CCONJ
easat-1490	453	14	t&l	t&l	PROPN
easat-1490	453	15	(	(	PUNCT
easat-1490	453	16	no	no	DET
easat-1490	453	17	date	date	NOUN
easat-1490	453	18	)	)	PUNCT
easat-1490	453	19	.	.	PUNCT
easat-1490	454	1	https://open.ncl.ac.uk/theories/1/technology-acceptance-model/.	https://open.ncl.ac.uk/theories/1/technology-acceptance-model/.	PROPN
easat-1490	455	1	[	[	X
easat-1490	455	2	27	27	NUM
easat-1490	455	3	]	]	X
easat-1490	455	4	uddin	uddin	PROPN
easat-1490	455	5	,	,	PUNCT
easat-1490	455	6	m.	m.	NOUN
easat-1490	455	7	s.	s.	PROPN
easat-1490	455	8	,	,	PUNCT
easat-1490	455	9	&	&	CCONJ
easat-1490	455	10	akhi	akhi	PROPN
easat-1490	455	11	,	,	PUNCT
easat-1490	455	12	a.	a.	PROPN
easat-1490	455	13	y.	y.	PROPN
easat-1490	455	14	(	(	PUNCT
easat-1490	455	15	2014	2014	NUM
easat-1490	455	16	)	)	PUNCT
easat-1490	455	17	.	.	PUNCT
easat-1490	456	1	e	e	X
easat-1490	456	2	-	-	NOUN
easat-1490	456	3	wallet	wallet	NOUN
easat-1490	456	4	system	system	NOUN
easat-1490	456	5	for	for	ADP
easat-1490	456	6	bangladesh	bangladesh	NOUN
easat-1490	456	7	an	an	DET
easat-1490	456	8	electronic	electronic	ADJ
easat-1490	456	9	payment	payment	NOUN
easat-1490	456	10	system	system	NOUN
easat-1490	456	11	.	.	PUNCT
easat-1490	457	1	international	international	ADJ
easat-1490	457	2	journal	journal	NOUN
easat-1490	457	3	of	of	ADP
easat-1490	457	4	modeling	modeling	NOUN
easat-1490	457	5	and	and	CCONJ
easat-1490	457	6	optimization	optimization	NOUN
easat-1490	457	7	,	,	PUNCT
easat-1490	457	8	4(3	4(3	NUM
easat-1490	457	9	)	)	PUNCT
easat-1490	457	10	,	,	PUNCT
easat-1490	457	11	216–219	216–219	NUM
easat-1490	457	12	.	.	PUNCT
easat-1490	458	1	https://doi.org/10.7763/ijmo.2014.v4.376	https://doi.org/10.7763/ijmo.2014.v4.376	NOUN
easat-1490	459	1	[	[	X
easat-1490	459	2	28	28	NUM
easat-1490	459	3	]	]	X
easat-1490	459	4	vitug	vitug	NOUN
easat-1490	459	5	,	,	PUNCT
easat-1490	459	6	e.	e.	PROPN
easat-1490	459	7	g.	g.	PROPN
easat-1490	460	1	e	e	PROPN
easat-1490	461	1	-	-	NOUN
easat-1490	462	1	wallets	wallet	NOUN
easat-1490	462	2	as	as	ADP
easat-1490	462	3	forefront	forefront	NOUN
easat-1490	462	4	of	of	ADP
easat-1490	462	5	future	future	ADJ
easat-1490	462	6	payment	payment	NOUN
easat-1490	462	7	platforms	platform	NOUN
easat-1490	462	8	:	:	PUNCT
easat-1490	462	9	technology	technology	NOUN
easat-1490	462	10	adoption	adoption	NOUN
easat-1490	462	11	and	and	CCONJ
easat-1490	462	12	utilization	utilization	NOUN
easat-1490	462	13	of	of	ADP
easat-1490	462	14	businesses	business	NOUN
easat-1490	462	15	in	in	ADP
easat-1490	462	16	central	central	ADJ
easat-1490	462	17	luzon	luzon	NOUN
easat-1490	462	18	,	,	PUNCT
easat-1490	462	19	philippines	philippine	NOUN
easat-1490	462	20	.	.	PUNCT
easat-1490	463	1	partnership	partnership	NOUN
easat-1490	463	2	,	,	PUNCT
easat-1490	463	3	16	16	NUM
easat-1490	463	4	,	,	PUNCT
easat-1490	463	5	28	28	NUM
easat-1490	463	6	.	.	PUNCT
easat-1490	464	1	[	[	X
easat-1490	464	2	29	29	NUM
easat-1490	464	3	]	]	SYM
easat-1490	464	4	yang	yang	PROPN
easat-1490	464	5	,	,	PUNCT
easat-1490	464	6	m.	m.	NOUN
easat-1490	464	7	,	,	PUNCT
easat-1490	464	8	mamun	mamun	PROPN
easat-1490	464	9	,	,	PUNCT
easat-1490	464	10	a.	a.	NOUN
easat-1490	464	11	a.	a.	PROPN
easat-1490	464	12	,	,	PUNCT
easat-1490	464	13	mohiuddin	mohiuddin	NOUN
easat-1490	464	14	,	,	PUNCT
easat-1490	464	15	m.	m.	NOUN
easat-1490	464	16	,	,	PUNCT
easat-1490	464	17	nawi	nawi	ADJ
easat-1490	464	18	,	,	PUNCT
easat-1490	464	19	n.	n.	PROPN
easat-1490	464	20	c.	c.	PROPN
easat-1490	464	21	,	,	PUNCT
easat-1490	464	22	&	&	CCONJ
easat-1490	464	23	zainol	zainol	PROPN
easat-1490	464	24	,	,	PUNCT
easat-1490	464	25	n.	n.	PROPN
easat-1490	464	26	r.	r.	PROPN
easat-1490	464	27	(	(	PUNCT
easat-1490	464	28	2021	2021	NUM
easat-1490	464	29	)	)	PUNCT
easat-1490	464	30	.	.	PUNCT
easat-1490	465	1	cashless	cashless	NOUN
easat-1490	465	2	transactions	transaction	NOUN
easat-1490	465	3	:	:	PUNCT
easat-1490	465	4	a	a	DET
easat-1490	465	5	study	study	NOUN
easat-1490	465	6	on	on	ADP
easat-1490	465	7	intention	intention	NOUN
easat-1490	465	8	and	and	CCONJ
easat-1490	465	9	adoption	adoption	NOUN
easat-1490	465	10	of	of	ADP
easat-1490	465	11	e	e	NOUN
easat-1490	465	12	-	-	NOUN
easat-1490	465	13	wallets	wallet	NOUN
easat-1490	465	14	.	.	PUNCT
easat-1490	466	1	sustainability	sustainability	NOUN
easat-1490	466	2	,	,	PUNCT
easat-1490	466	3	13(2	13(2	PROPN
easat-1490	466	4	)	)	PUNCT
easat-1490	466	5	,	,	PUNCT
easat-1490	466	6	831	831	NUM
easat-1490	466	7	.	.	PUNCT
easat-1490	466	8	https://doi.org/10.3390/su13020831	https://doi.org/10.3390/su13020831	PRON
easat-1490	467	1	[	[	X
easat-1490	467	2	30	30	NUM
easat-1490	467	3	]	]	X
easat-1490	467	4	zhou	zhou	PROPN
easat-1490	467	5	,	,	PUNCT
easat-1490	467	6	t.	t.	PROPN
easat-1490	467	7	(	(	PUNCT
easat-1490	467	8	2014	2014	NUM
easat-1490	467	9	)	)	PUNCT
easat-1490	467	10	'	'	PUNCT
easat-1490	467	11	an	an	DET
easat-1490	467	12	empirical	empirical	ADJ
easat-1490	467	13	examination	examination	NOUN
easat-1490	467	14	of	of	ADP
easat-1490	467	15	initial	initial	ADJ
easat-1490	467	16	trust	trust	NOUN
easat-1490	467	17	in	in	ADP
easat-1490	467	18	mobile	mobile	ADJ
easat-1490	467	19	payment	payment	NOUN
easat-1490	467	20	,	,	PUNCT
easat-1490	467	21	'	'	PUNCT
easat-1490	467	22	wireless	wireless	ADJ
easat-1490	467	23	personal	personal	ADJ
easat-1490	467	24	communications	communication	NOUN
easat-1490	467	25	,	,	PUNCT
easat-1490	467	26	77(2	77(2	NOUN
easat-1490	467	27	)	)	PUNCT
easat-1490	467	28	,	,	PUNCT
easat-1490	467	29	pp	pp	PROPN
easat-1490	467	30	.	.	PUNCT
easat-1490	467	31	1519–1531	1519–1531	NUM
easat-1490	467	32	.	.	PUNCT
easat-1490	467	33	https://doi.org/10.1007/s11277-013-1596-8	https://doi.org/10.1007/s11277-013-1596-8	PROPN
easat-1490	467	34	.	.	PUNCT