id	sid	tid	token	lemma	pos
easat-1510	1	1	edelweiss	edelweiss	PROPN
easat-1510	1	2	applied	apply	VERB
easat-1510	1	3	science	science	NOUN
easat-1510	1	4	and	and	CCONJ
easat-1510	1	5	technology	technology	NOUN
easat-1510	1	6	issn	issn	PROPN
easat-1510	1	7	:	:	PUNCT
easat-1510	1	8	2576	2576	NUM
easat-1510	1	9	-	-	SYM
easat-1510	1	10	8484	8484	NUM
easat-1510	1	11	vol	vol	NOUN
easat-1510	1	12	.	.	PROPN
easat-1510	1	13	8	8	NUM
easat-1510	1	14	,	,	PUNCT
easat-1510	1	15	no	no	INTJ
easat-1510	1	16	.	.	NOUN
easat-1510	1	17	4	4	NUM
easat-1510	1	18	,	,	PUNCT
easat-1510	1	19	1333	1333	NUM
easat-1510	1	20	-	-	SYM
easat-1510	1	21	1346	1346	NUM
easat-1510	1	22	2024	2024	NUM
easat-1510	1	23	publisher	publisher	NOUN
easat-1510	1	24	:	:	PUNCT
easat-1510	1	25	learning	learn	VERB
easat-1510	1	26	gate	gate	NOUN
easat-1510	1	27	doi	doi	PROPN
easat-1510	1	28	:	:	PUNCT
easat-1510	1	29	10.55214/25768484.v8i4.1510	10.55214/25768484.v8i4.1510	NUM
easat-1510	1	30	©	©	ADP
easat-1510	1	31	2024	2024	NUM
easat-1510	1	32	by	by	ADP
easat-1510	1	33	the	the	DET
easat-1510	1	34	authors	author	NOUN
easat-1510	1	35	;	;	PUNCT
easat-1510	1	36	licensee	licensee	PROPN
easat-1510	1	37	learning	learning	NOUN
easat-1510	1	38	gate	gate	NOUN
easat-1510	1	39	©	©	PROPN
easat-1510	1	40	2024	2024	NUM
easat-1510	1	41	by	by	ADP
easat-1510	1	42	the	the	DET
easat-1510	1	43	authors	author	NOUN
easat-1510	1	44	;	;	PUNCT
easat-1510	1	45	licensee	licensee	PROPN
easat-1510	1	46	learning	learn	VERB
easat-1510	1	47	gate	gate	NOUN
easat-1510	1	48	*	*	PUNCT
easat-1510	1	49	correspondence	correspondence	NOUN
easat-1510	1	50	:	:	PUNCT
easat-1510	1	51	bowo15101971@gmail.com	bowo15101971@gmail.com	X
easat-1510	2	1	determining	determine	VERB
easat-1510	2	2	factors	factor	NOUN
easat-1510	2	3	in	in	ADP
easat-1510	2	4	the	the	DET
easat-1510	2	5	adoption	adoption	NOUN
easat-1510	2	6	of	of	ADP
easat-1510	2	7	fintech	fintech	NOUN
easat-1510	2	8	of	of	ADP
easat-1510	2	9	sharia	sharia	PROPN
easat-1510	2	10	in	in	ADP
easat-1510	2	11	indonesia	indonesia	PROPN
easat-1510	2	12	:	:	PUNCT
easat-1510	2	13	analysis	analysis	NOUN
easat-1510	2	14	of	of	ADP
easat-1510	2	15	the	the	DET
easat-1510	2	16	effect	effect	NOUN
easat-1510	2	17	of	of	ADP
easat-1510	2	18	utaut2	utaut2	PROPN
easat-1510	2	19	,	,	PUNCT
easat-1510	2	20	es	es	NOUN
easat-1510	2	21	-	-	PUNCT
easat-1510	2	22	qual	qual	ADJ
easat-1510	2	23	,	,	PUNCT
easat-1510	2	24	and	and	CCONJ
easat-1510	2	25	religiosity	religiosity	NOUN
easat-1510	2	26	dedi	dedi	VERB
easat-1510	2	27	wibowo1	wibowo1	PROPN
easat-1510	2	28	*	*	PROPN
easat-1510	2	29	,	,	PUNCT
easat-1510	2	30	mohammed	mohammed	PROPN
easat-1510	2	31	hariri	hariri	PROPN
easat-1510	2	32	bin	bin	PROPN
easat-1510	2	33	bakri1	bakri1	PROPN
easat-1510	3	1	1universiti	1universiti	NUM
easat-1510	3	2	teknikal	teknikal	NOUN
easat-1510	3	3	malaysia	malaysia	PROPN
easat-1510	3	4	melaka	melaka	PROPN
easat-1510	3	5	–	–	PUNCT
easat-1510	3	6	utem	utem	NOUN
easat-1510	3	7	,	,	PUNCT
easat-1510	3	8	malaysia	malaysia	PROPN
easat-1510	3	9	;	;	PUNCT
easat-1510	3	10	bowo15101971@gmail.com	bowo15101971@gmail.com	X
easat-1510	3	11	(	(	PUNCT
easat-1510	3	12	d.w	d.w	NOUN
easat-1510	3	13	.	.	PUNCT
easat-1510	3	14	)	)	PUNCT
easat-1510	3	15	.	.	PUNCT
easat-1510	4	1	hariri@utem.edu.my	hariri@utem.edu.my	INTJ
easat-1510	4	2	(	(	PUNCT
easat-1510	4	3	m.h.b.b	m.h.b.b	PROPN
easat-1510	4	4	.	.	PUNCT
easat-1510	4	5	)	)	PUNCT
easat-1510	5	1	abstract	abstract	NOUN
easat-1510	5	2	:	:	PUNCT
easat-1510	5	3	this	this	DET
easat-1510	5	4	research	research	NOUN
easat-1510	5	5	examines	examine	VERB
easat-1510	5	6	the	the	DET
easat-1510	5	7	antecedents	antecedent	NOUN
easat-1510	5	8	of	of	ADP
easat-1510	5	9	actional	actional	ADJ
easat-1510	5	10	desires	desire	NOUN
easat-1510	5	11	towards	towards	ADP
easat-1510	5	12	using	use	VERB
easat-1510	5	13	islamic	islamic	ADJ
easat-1510	5	14	financial	financial	ADJ
easat-1510	5	15	application	application	NOUN
easat-1510	5	16	among	among	ADP
easat-1510	5	17	indonesian	indonesian	ADJ
easat-1510	5	18	customers	customer	NOUN
easat-1510	5	19	.	.	PUNCT
easat-1510	6	1	the	the	DET
easat-1510	6	2	objectives	objective	NOUN
easat-1510	6	3	of	of	ADP
easat-1510	6	4	the	the	DET
easat-1510	6	5	study	study	NOUN
easat-1510	6	6	empirically	empirically	ADV
easat-1510	6	7	tested	test	VERB
easat-1510	6	8	the	the	DET
easat-1510	6	9	expanded	expand	VERB
easat-1510	6	10	unified	unified	ADJ
easat-1510	6	11	theory	theory	NOUN
easat-1510	6	12	of	of	ADP
easat-1510	6	13	acceptance	acceptance	NOUN
easat-1510	6	14	and	and	CCONJ
easat-1510	6	15	use	use	NOUN
easat-1510	6	16	of	of	ADP
easat-1510	6	17	application	application	NOUN
easat-1510	6	18	(	(	PUNCT
easat-1510	6	19	utaut2	utaut2	NOUN
easat-1510	6	20	)	)	PUNCT
easat-1510	6	21	,	,	PUNCT
easat-1510	6	22	es	es	ADJ
easat-1510	6	23	-	-	ADJ
easat-1510	6	24	qual	qual	ADJ
easat-1510	6	25	and	and	CCONJ
easat-1510	6	26	religiosity	religiosity	NOUN
easat-1510	6	27	as	as	ADP
easat-1510	6	28	independent	independent	ADJ
easat-1510	6	29	variables	variable	NOUN
easat-1510	6	30	to	to	PART
easat-1510	6	31	explain	explain	VERB
easat-1510	6	32	the	the	DET
easat-1510	6	33	adoption	adoption	NOUN
easat-1510	6	34	of	of	ADP
easat-1510	6	35	islamic	islamic	ADJ
easat-1510	6	36	financial	financial	ADJ
easat-1510	6	37	application	application	NOUN
easat-1510	6	38	in	in	ADP
easat-1510	6	39	indonesia	indonesia	PROPN
easat-1510	6	40	.	.	PUNCT
easat-1510	7	1	the	the	DET
easat-1510	7	2	method	method	NOUN
easat-1510	7	3	was	be	AUX
easat-1510	7	4	quantitative	quantitative	ADJ
easat-1510	7	5	.	.	PUNCT
easat-1510	8	1	the	the	DET
easat-1510	8	2	200	200	NUM
easat-1510	8	3	data	datum	NOUN
easat-1510	8	4	are	be	AUX
easat-1510	8	5	analyzed	analyze	VERB
easat-1510	8	6	using	use	VERB
easat-1510	8	7	the	the	DET
easat-1510	8	8	partial	partial	ADJ
easat-1510	8	9	least	least	ADJ
easat-1510	8	10	squares	square	NOUN
easat-1510	8	11	(	(	PUNCT
easat-1510	8	12	pls	pls	INTJ
easat-1510	8	13	)	)	PUNCT
easat-1510	8	14	.	.	PUNCT
easat-1510	9	1	the	the	DET
easat-1510	9	2	research	research	NOUN
easat-1510	9	3	results	result	NOUN
easat-1510	9	4	show	show	VERB
easat-1510	9	5	that	that	PRON
easat-1510	9	6	effort	effort	NOUN
easat-1510	9	7	expectancy	expectancy	NOUN
easat-1510	9	8	(	(	PUNCT
easat-1510	9	9	ee	ee	PROPN
easat-1510	9	10	)	)	PUNCT
easat-1510	9	11	,	,	PUNCT
easat-1510	9	12	social	social	ADJ
easat-1510	9	13	influence	influence	NOUN
easat-1510	9	14	(	(	PUNCT
easat-1510	9	15	si	si	NOUN
easat-1510	9	16	)	)	PUNCT
easat-1510	9	17	,	,	PUNCT
easat-1510	9	18	hedonic	hedonic	ADJ
easat-1510	9	19	motivation	motivation	NOUN
easat-1510	9	20	(	(	PUNCT
easat-1510	9	21	hm	hm	INTJ
easat-1510	9	22	)	)	PUNCT
easat-1510	9	23	,	,	PUNCT
easat-1510	9	24	esqual	esqual	ADJ
easat-1510	9	25	(	(	PUNCT
easat-1510	9	26	esq	esq	PROPN
easat-1510	9	27	)	)	PUNCT
easat-1510	9	28	,	,	PUNCT
easat-1510	9	29	and	and	CCONJ
easat-1510	9	30	religiosity	religiosity	NOUN
easat-1510	9	31	(	(	PUNCT
easat-1510	9	32	re	re	NOUN
easat-1510	9	33	)	)	PUNCT
easat-1510	9	34	have	have	VERB
easat-1510	9	35	a	a	DET
easat-1510	9	36	positive	positive	ADJ
easat-1510	9	37	effect	effect	NOUN
easat-1510	9	38	on	on	ADP
easat-1510	9	39	desire	desire	NOUN
easat-1510	9	40	to	to	PART
easat-1510	9	41	use	use	VERB
easat-1510	9	42	islamic	islamic	ADJ
easat-1510	9	43	financial	financial	ADJ
easat-1510	9	44	application	application	NOUN
easat-1510	9	45	(	(	PUNCT
easat-1510	9	46	ib	ib	NOUN
easat-1510	9	47	)	)	PUNCT
easat-1510	9	48	.	.	PUNCT
easat-1510	10	1	furthermore	furthermore	ADV
easat-1510	10	2	,	,	PUNCT
easat-1510	10	3	the	the	DET
easat-1510	10	4	desire	desire	NOUN
easat-1510	10	5	to	to	PART
easat-1510	10	6	use	use	VERB
easat-1510	10	7	islamic	islamic	ADJ
easat-1510	10	8	financial	financial	ADJ
easat-1510	10	9	application	application	NOUN
easat-1510	10	10	(	(	PUNCT
easat-1510	10	11	ib	ib	NOUN
easat-1510	10	12	)	)	PUNCT
easat-1510	10	13	positively	positively	ADV
easat-1510	10	14	affects	affect	VERB
easat-1510	10	15	the	the	DET
easat-1510	10	16	use	use	NOUN
easat-1510	10	17	action	action	NOUN
easat-1510	10	18	of	of	ADP
easat-1510	10	19	islamic	islamic	ADJ
easat-1510	10	20	financial	financial	ADJ
easat-1510	10	21	application	application	NOUN
easat-1510	10	22	(	(	PUNCT
easat-1510	10	23	ub	ub	PROPN
easat-1510	10	24	)	)	PUNCT
easat-1510	10	25	.	.	PUNCT
easat-1510	11	1	in	in	ADP
easat-1510	11	2	addition	addition	NOUN
easat-1510	11	3	,	,	PUNCT
easat-1510	11	4	only	only	ADV
easat-1510	11	5	gender	gender	NOUN
easat-1510	11	6	(	(	PUNCT
easat-1510	11	7	ge	ge	PROPN
easat-1510	11	8	)	)	PUNCT
easat-1510	11	9	can	can	AUX
easat-1510	11	10	weaken	weaken	VERB
easat-1510	11	11	the	the	DET
easat-1510	11	12	influence	influence	NOUN
easat-1510	11	13	of	of	ADP
easat-1510	11	14	hedonic	hedonic	ADJ
easat-1510	11	15	motivation	motivation	NOUN
easat-1510	11	16	and	and	CCONJ
easat-1510	11	17	habit	habit	NOUN
easat-1510	11	18	on	on	ADP
easat-1510	11	19	the	the	DET
easat-1510	11	20	desire	desire	NOUN
easat-1510	11	21	to	to	PART
easat-1510	11	22	use	use	VERB
easat-1510	11	23	islamic	islamic	ADJ
easat-1510	11	24	financial	financial	ADJ
easat-1510	11	25	application	application	NOUN
easat-1510	11	26	.	.	PUNCT
easat-1510	12	1	the	the	DET
easat-1510	12	2	influence	influence	NOUN
easat-1510	12	3	actional	actional	ADJ
easat-1510	12	4	desires	desire	NOUN
easat-1510	12	5	to	to	PART
easat-1510	12	6	use	use	VERB
easat-1510	12	7	islamic	islamic	ADJ
easat-1510	12	8	financial	financial	ADJ
easat-1510	12	9	application	application	NOUN
easat-1510	12	10	because	because	SCONJ
easat-1510	12	11	of	of	ADP
easat-1510	12	12	the	the	DET
easat-1510	12	13	lack	lack	NOUN
easat-1510	12	14	of	of	ADP
easat-1510	12	15	research	research	NOUN
easat-1510	12	16	in	in	ADP
easat-1510	12	17	this	this	DET
easat-1510	12	18	domain	domain	NOUN
easat-1510	12	19	in	in	ADP
easat-1510	12	20	indonesia	indonesia	PROPN
easat-1510	12	21	,	,	PUNCT
easat-1510	12	22	especially	especially	ADV
easat-1510	12	23	considering	consider	VERB
easat-1510	12	24	the	the	DET
easat-1510	12	25	context	context	NOUN
easat-1510	12	26	of	of	ADP
easat-1510	12	27	religiosity	religiosity	NOUN
easat-1510	12	28	and	and	CCONJ
easat-1510	12	29	combining	combine	VERB
easat-1510	12	30	the	the	DET
easat-1510	12	31	concepts	concept	NOUN
easat-1510	12	32	of	of	ADP
easat-1510	12	33	utaut2	utaut2	NOUN
easat-1510	12	34	and	and	CCONJ
easat-1510	12	35	esqual	esqual	ADJ
easat-1510	12	36	.	.	PUNCT
easat-1510	13	1	this	this	DET
easat-1510	13	2	research	research	NOUN
easat-1510	13	3	contributes	contribute	VERB
easat-1510	13	4	to	to	ADP
easat-1510	13	5	the	the	DET
easat-1510	13	6	service	service	NOUN
easat-1510	13	7	quality	quality	NOUN
easat-1510	13	8	literature	literature	NOUN
easat-1510	13	9	by	by	ADP
easat-1510	13	10	identifying	identify	VERB
easat-1510	13	11	e	e	NOUN
easat-1510	13	12	-	-	NOUN
easat-1510	13	13	sq	sq	ADJ
easat-1510	13	14	and	and	CCONJ
easat-1510	13	15	confirming	confirm	VERB
easat-1510	13	16	its	its	PRON
easat-1510	13	17	effectiveness	effectiveness	NOUN
easat-1510	13	18	in	in	ADP
easat-1510	13	19	fintech	fintech	NOUN
easat-1510	13	20	adoption	adoption	NOUN
easat-1510	13	21	.	.	PUNCT
easat-1510	14	1	this	this	PRON
easat-1510	14	2	can	can	AUX
easat-1510	14	3	also	also	ADV
easat-1510	14	4	enhance	enhance	VERB
easat-1510	14	5	to	to	ADP
easat-1510	14	6	the	the	DET
easat-1510	14	7	development	development	NOUN
easat-1510	14	8	of	of	ADP
easat-1510	14	9	understanding	understand	VERB
easat-1510	14	10	financial	financial	ADJ
easat-1510	14	11	concepts	concept	NOUN
easat-1510	14	12	.	.	PUNCT
easat-1510	15	1	keywords	keyword	NOUN
easat-1510	15	2	:	:	PUNCT
easat-1510	15	3	esqual	esqual	ADJ
easat-1510	15	4	,	,	PUNCT
easat-1510	15	5	islamic	islamic	ADJ
easat-1510	15	6	financial	financial	ADJ
easat-1510	15	7	application	application	NOUN
easat-1510	15	8	,	,	PUNCT
easat-1510	15	9	religiosity	religiosity	NOUN
easat-1510	15	10	,	,	PUNCT
easat-1510	15	11	utaut2	utaut2	NOUN
easat-1510	15	12	.	.	PUNCT
easat-1510	16	1	1	1	X
easat-1510	16	2	.	.	X
easat-1510	16	3	introduction	introduction	NOUN
easat-1510	16	4	global	global	ADJ
easat-1510	16	5	interest	interest	NOUN
easat-1510	16	6	in	in	ADP
easat-1510	16	7	sharia	sharia	PROPN
easat-1510	16	8	banking	banking	NOUN
easat-1510	16	9	continues	continue	VERB
easat-1510	16	10	to	to	PART
easat-1510	16	11	increase	increase	VERB
easat-1510	16	12	in	in	ADP
easat-1510	16	13	all	all	DET
easat-1510	16	14	religion	religion	NOUN
easat-1510	16	15	(	(	PUNCT
easat-1510	16	16	darmansyah	darmansyah	NOUN
easat-1510	16	17	et	et	PROPN
easat-1510	16	18	al	al	PROPN
easat-1510	16	19	.	.	PROPN
easat-1510	16	20	,	,	PUNCT
easat-1510	16	21	2020	2020	NUM
easat-1510	16	22	)	)	PUNCT
easat-1510	16	23	.	.	PUNCT
easat-1510	17	1	sharia	sharia	PROPN
easat-1510	17	2	banking	banking	NOUN
easat-1510	17	3	is	be	AUX
easat-1510	17	4	based	base	VERB
easat-1510	17	5	on	on	ADP
easat-1510	17	6	honest	honest	ADJ
easat-1510	17	7	and	and	CCONJ
easat-1510	17	8	transparent	transparent	ADJ
easat-1510	17	9	concept	concept	NOUN
easat-1510	17	10	in	in	ADP
easat-1510	17	11	sharia	sharia	PROPN
easat-1510	17	12	.	.	PUNCT
easat-1510	18	1	therefore	therefore	ADV
easat-1510	18	2	,	,	PUNCT
easat-1510	18	3	commitment	commitment	NOUN
easat-1510	18	4	to	to	ADP
easat-1510	18	5	sharia	sharia	PROPN
easat-1510	18	6	financial	financial	ADJ
easat-1510	18	7	strategies	strategy	NOUN
easat-1510	18	8	has	have	AUX
easat-1510	18	9	become	become	VERB
easat-1510	18	10	an	an	DET
easat-1510	18	11	attractive	attractive	ADJ
easat-1510	18	12	classic	classic	ADJ
easat-1510	18	13	transaction	transaction	NOUN
easat-1510	18	14	(	(	PUNCT
easat-1510	18	15	rabbani	rabbani	PROPN
easat-1510	18	16	et	et	PROPN
easat-1510	18	17	al	al	PROPN
easat-1510	18	18	.	.	PROPN
easat-1510	18	19	,	,	PUNCT
easat-1510	18	20	2020	2020	NUM
easat-1510	18	21	)	)	PUNCT
easat-1510	18	22	.	.	PUNCT
easat-1510	19	1	in	in	ADP
easat-1510	19	2	facing	face	VERB
easat-1510	19	3	technological	technological	ADJ
easat-1510	19	4	enhancements	enhancement	NOUN
easat-1510	19	5	in	in	ADP
easat-1510	19	6	the	the	DET
easat-1510	19	7	financial	financial	ADJ
easat-1510	19	8	sector	sector	NOUN
easat-1510	19	9	,	,	PUNCT
easat-1510	19	10	sharia	sharia	PROPN
easat-1510	19	11	banking	banking	NOUN
easat-1510	19	12	has	have	AUX
easat-1510	19	13	adopted	adopt	VERB
easat-1510	19	14	and	and	CCONJ
easat-1510	19	15	advanced	advanced	ADJ
easat-1510	19	16	financial	financial	ADJ
easat-1510	19	17	application	application	NOUN
easat-1510	19	18	systems	system	NOUN
easat-1510	19	19	(	(	PUNCT
easat-1510	19	20	fintech	fintech	NOUN
easat-1510	19	21	)	)	PUNCT
easat-1510	19	22	were	be	AUX
easat-1510	19	23	created	create	VERB
easat-1510	19	24	for	for	ADP
easat-1510	19	25	consumers	consumer	NOUN
easat-1510	19	26	convenience	convenience	NOUN
easat-1510	19	27	(	(	PUNCT
easat-1510	19	28	hassan	hassan	PROPN
easat-1510	19	29	et	et	PROPN
easat-1510	19	30	al	al	PROPN
easat-1510	19	31	.	.	PROPN
easat-1510	19	32	,	,	PUNCT
easat-1510	19	33	2020	2020	NUM
easat-1510	19	34	)	)	PUNCT
easat-1510	19	35	.	.	PUNCT
easat-1510	20	1	fintech	fintech	NOUN
easat-1510	20	2	has	have	VERB
easat-1510	20	3	the	the	DET
easat-1510	20	4	effective	effective	ADJ
easat-1510	20	5	to	to	PART
easat-1510	20	6	contribute	contribute	VERB
easat-1510	20	7	the	the	DET
easat-1510	20	8	enhancement	enhancement	NOUN
easat-1510	20	9	of	of	ADP
easat-1510	20	10	sharia	sharia	PROPN
easat-1510	20	11	banking	banking	PROPN
easat-1510	20	12	(	(	PUNCT
easat-1510	20	13	banna	banna	PROPN
easat-1510	20	14	et	et	PROPN
easat-1510	20	15	al	al	PROPN
easat-1510	20	16	.	.	PROPN
easat-1510	20	17	,	,	PUNCT
easat-1510	20	18	2021b	2021b	NUM
easat-1510	20	19	)	)	PUNCT
easat-1510	20	20	.	.	PUNCT
easat-1510	21	1	the	the	DET
easat-1510	21	2	presence	presence	NOUN
easat-1510	21	3	of	of	ADP
easat-1510	21	4	fintech	fintech	NOUN
easat-1510	21	5	is	be	AUX
easat-1510	21	6	expected	expect	VERB
easat-1510	21	7	to	to	PART
easat-1510	21	8	make	make	VERB
easat-1510	21	9	positif	positif	NOUN
easat-1510	21	10	effects	effect	NOUN
easat-1510	21	11	of	of	ADP
easat-1510	21	12	sharia	sharia	PROPN
easat-1510	21	13	finance	finance	PROPN
easat-1510	21	14	(	(	PUNCT
easat-1510	21	15	reuters	reuter	NOUN
easat-1510	21	16	,	,	PUNCT
easat-1510	21	17	2018	2018	NUM
easat-1510	21	18	)	)	PUNCT
easat-1510	21	19	.	.	PUNCT
easat-1510	22	1	fintech	fintech	NOUN
easat-1510	22	2	is	be	AUX
easat-1510	22	3	innovation	innovation	NOUN
easat-1510	22	4	in	in	ADP
easat-1510	22	5	the	the	DET
easat-1510	22	6	use	use	NOUN
easat-1510	22	7	of	of	ADP
easat-1510	22	8	digital	digital	ADJ
easat-1510	22	9	application	application	NOUN
easat-1510	22	10	to	to	PART
easat-1510	22	11	compete	compete	VERB
easat-1510	22	12	and	and	CCONJ
easat-1510	22	13	solve	solve	VERB
easat-1510	22	14	problems	problem	NOUN
easat-1510	22	15	in	in	ADP
easat-1510	22	16	financial	financial	ADJ
easat-1510	22	17	intermediation	intermediation	NOUN
easat-1510	22	18	(	(	PUNCT
easat-1510	22	19	fenwick	fenwick	PROPN
easat-1510	22	20	et	et	PROPN
easat-1510	22	21	al	al	PROPN
easat-1510	22	22	.	.	PROPN
easat-1510	22	23	,	,	PUNCT
easat-1510	22	24	2017	2017	NUM
easat-1510	22	25	;	;	PUNCT
easat-1510	22	26	majid	majid	PROPN
easat-1510	22	27	,	,	PUNCT
easat-1510	22	28	2021	2021	NUM
easat-1510	22	29	)	)	PUNCT
easat-1510	22	30	.	.	PUNCT
easat-1510	23	1	fintech	fintech	NOUN
easat-1510	23	2	of	of	ADP
easat-1510	23	3	sharia	sharia	PROPN
easat-1510	23	4	has	have	VERB
easat-1510	23	5	the	the	DET
easat-1510	23	6	same	same	ADJ
easat-1510	23	7	definition	definition	NOUN
easat-1510	23	8	as	as	ADP
easat-1510	23	9	conventional	conventional	ADJ
easat-1510	23	10	fintech	fintech	NOUN
easat-1510	23	11	,	,	PUNCT
easat-1510	23	12	but	but	CCONJ
easat-1510	23	13	with	with	ADP
easat-1510	23	14	sharia	sharia	PROPN
easat-1510	23	15	compliance	compliance	NOUN
easat-1510	23	16	being	be	AUX
easat-1510	23	17	the	the	DET
easat-1510	23	18	difference	difference	NOUN
easat-1510	23	19	(	(	PUNCT
easat-1510	23	20	rabbani	rabbani	PROPN
easat-1510	23	21	et	et	PROPN
easat-1510	23	22	al	al	PROPN
easat-1510	23	23	.	.	PROPN
easat-1510	23	24	,	,	PUNCT
easat-1510	23	25	2020	2020	NUM
easat-1510	23	26	;	;	PUNCT
easat-1510	23	27	chong	chong	PROPN
easat-1510	23	28	,	,	PUNCT
easat-1510	23	29	2021	2021	NUM
easat-1510	23	30	;	;	PUNCT
easat-1510	23	31	khan	khan	PROPN
easat-1510	23	32	et	et	PROPN
easat-1510	23	33	al	al	PROPN
easat-1510	23	34	.	.	PROPN
easat-1510	23	35	,	,	PUNCT
easat-1510	23	36	2022	2022	NUM
easat-1510	23	37	)	)	PUNCT
easat-1510	23	38	,	,	PUNCT
easat-1510	23	39	as	as	ADV
easat-1510	23	40	well	well	ADV
easat-1510	23	41	as	as	ADP
easat-1510	23	42	a	a	DET
easat-1510	23	43	focus	focus	NOUN
easat-1510	23	44	on	on	ADP
easat-1510	23	45	institutions	institution	NOUN
easat-1510	23	46	that	that	PRON
easat-1510	23	47	comply	comply	VERB
easat-1510	23	48	with	with	ADP
easat-1510	23	49	islam	islam	PROPN
easat-1510	23	50	or	or	CCONJ
easat-1510	23	51	islamic	islamic	ADJ
easat-1510	23	52	countries	country	NOUN
easat-1510	23	53	(	(	PUNCT
easat-1510	23	54	alshater	alshater	PROPN
easat-1510	23	55	&	&	CCONJ
easat-1510	23	56	otsman	otsman	PROPN
easat-1510	23	57	,	,	PUNCT
easat-1510	23	58	2020	2020	NUM
easat-1510	23	59	)	)	PUNCT
easat-1510	23	60	.	.	PUNCT
easat-1510	24	1	in	in	ADP
easat-1510	24	2	the	the	DET
easat-1510	24	3	rapid	rapid	ADJ
easat-1510	24	4	enhancement	enhancement	NOUN
easat-1510	24	5	of	of	ADP
easat-1510	24	6	fintech	fintech	NOUN
easat-1510	24	7	,	,	PUNCT
easat-1510	24	8	sharia	sharia	PROPN
easat-1510	24	9	banking	banking	NOUN
easat-1510	24	10	has	have	AUX
easat-1510	24	11	utilized	utilize	VERB
easat-1510	24	12	it	it	PRON
easat-1510	24	13	to	to	PART
easat-1510	24	14	increase	increase	VERB
easat-1510	24	15	services	service	NOUN
easat-1510	24	16	to	to	ADP
easat-1510	24	17	consumers	consumer	NOUN
easat-1510	24	18	(	(	PUNCT
easat-1510	24	19	ajib	ajib	NOUN
easat-1510	24	20	,	,	PUNCT
easat-1510	24	21	2022	2022	NUM
easat-1510	24	22	)	)	PUNCT
easat-1510	24	23	.	.	PUNCT
easat-1510	25	1	despite	despite	SCONJ
easat-1510	25	2	the	the	DET
easat-1510	25	3	covid-19	covid-19	PROPN
easat-1510	25	4	pandemic	pandemic	NOUN
easat-1510	25	5	which	which	PRON
easat-1510	25	6	has	have	AUX
easat-1510	25	7	had	have	VERB
easat-1510	25	8	a	a	DET
easat-1510	25	9	negative	negative	ADJ
easat-1510	25	10	impact	impact	NOUN
easat-1510	25	11	on	on	ADP
easat-1510	25	12	many	many	ADJ
easat-1510	25	13	sectors	sector	NOUN
easat-1510	25	14	,	,	PUNCT
easat-1510	25	15	specially	specially	ADV
easat-1510	25	16	manufacturing	manufacturing	NOUN
easat-1510	25	17	and	and	CCONJ
easat-1510	25	18	tourism	tourism	NOUN
easat-1510	25	19	,	,	PUNCT
easat-1510	25	20	the	the	DET
easat-1510	25	21	islamic	islamic	ADJ
easat-1510	25	22	financial	financial	ADJ
easat-1510	25	23	industry	industry	NOUN
easat-1510	25	24	continues	continue	VERB
easat-1510	25	25	to	to	PART
easat-1510	25	26	grow	grow	VERB
easat-1510	25	27	well	well	ADV
easat-1510	25	28	due	due	ADP
easat-1510	25	29	to	to	ADP
easat-1510	25	30	the	the	DET
easat-1510	25	31	adoption	adoption	NOUN
easat-1510	25	32	of	of	ADP
easat-1510	25	33	fintech	fintech	NOUN
easat-1510	25	34	in	in	ADP
easat-1510	25	35	facilitating	facilitate	VERB
easat-1510	25	36	transaction	transaction	NOUN
easat-1510	25	37	access	access	NOUN
easat-1510	25	38	through	through	ADP
easat-1510	25	39	digital	digital	ADJ
easat-1510	25	40	platforms	platform	NOUN
easat-1510	25	41	provided	provide	VERB
easat-1510	25	42	by	by	ADP
easat-1510	25	43	islamic	islamic	ADJ
easat-1510	25	44	financial	financial	ADJ
easat-1510	25	45	institutions	institution	NOUN
easat-1510	25	46	(	(	PUNCT
easat-1510	25	47	ajib	ajib	NOUN
easat-1510	25	48	,	,	PUNCT
easat-1510	25	49	2022	2022	NUM
easat-1510	25	50	)	)	PUNCT
easat-1510	25	51	.	.	PUNCT
easat-1510	26	1	by	by	ADP
easat-1510	26	2	adopting	adopt	VERB
easat-1510	26	3	the	the	DET
easat-1510	26	4	fintech	fintech	NOUN
easat-1510	26	5	concept	concept	NOUN
easat-1510	26	6	,	,	PUNCT
easat-1510	26	7	islamic	islamic	ADJ
easat-1510	26	8	financial	financial	ADJ
easat-1510	26	9	assets	asset	NOUN
easat-1510	26	10	in	in	ADP
easat-1510	26	11	the	the	DET
easat-1510	26	12	industry	industry	NOUN
easat-1510	26	13	mailto:bowo15101971@gmail.com	mailto:bowo15101971@gmail.com	X
easat-1510	26	14	mailto:hariri@utem.edu.my	mailto:hariri@utem.edu.my	NOUN
easat-1510	26	15	1334	1334	NUM
easat-1510	26	16	edelweiss	edelweiss	PROPN
easat-1510	26	17	applied	apply	VERB
easat-1510	26	18	science	science	NOUN
easat-1510	26	19	and	and	CCONJ
easat-1510	26	20	technology	technology	NOUN
easat-1510	26	21	issn	issn	PROPN
easat-1510	26	22	:	:	PUNCT
easat-1510	26	23	2576	2576	NUM
easat-1510	26	24	-	-	SYM
easat-1510	26	25	8484	8484	NUM
easat-1510	26	26	vol	vol	NOUN
easat-1510	26	27	.	.	PROPN
easat-1510	26	28	8	8	NUM
easat-1510	26	29	,	,	PUNCT
easat-1510	26	30	no	no	INTJ
easat-1510	26	31	.	.	NOUN
easat-1510	26	32	4	4	NUM
easat-1510	26	33	:	:	SYM
easat-1510	26	34	1333	1333	NUM
easat-1510	26	35	-	-	SYM
easat-1510	26	36	1346	1346	NUM
easat-1510	26	37	,	,	PUNCT
easat-1510	26	38	2024	2024	NUM
easat-1510	26	39	doi	doi	NOUN
easat-1510	26	40	:	:	PUNCT
easat-1510	26	41	10.55214/25768484.v8i4.1510	10.55214/25768484.v8i4.1510	NUM
easat-1510	26	42	©	©	ADP
easat-1510	26	43	2024	2024	NUM
easat-1510	26	44	by	by	ADP
easat-1510	26	45	the	the	DET
easat-1510	26	46	authors	author	NOUN
easat-1510	26	47	;	;	PUNCT
easat-1510	26	48	licensee	licensee	PROPN
easat-1510	26	49	learning	learning	PROPN
easat-1510	26	50	gate	gate	NOUN
easat-1510	26	51	reached	reach	VERB
easat-1510	26	52	us$3.374	us$3.374	ADV
easat-1510	26	53	trillion	trillion	NUM
easat-1510	26	54	in	in	ADP
easat-1510	26	55	2020	2020	NUM
easat-1510	26	56	compared	compare	VERB
easat-1510	26	57	to	to	ADP
easat-1510	26	58	us$2.88	us$2.88	NUM
easat-1510	26	59	trillion	trillion	NUM
easat-1510	26	60	in	in	ADP
easat-1510	26	61	2019	2019	NUM
easat-1510	26	62	(	(	PUNCT
easat-1510	26	63	dar	dar	PROPN
easat-1510	26	64	et	et	NOUN
easat-1510	26	65	al	al	PROPN
easat-1510	26	66	.	.	PROPN
easat-1510	26	67	,	,	PUNCT
easat-1510	26	68	2021	2021	NUM
easat-1510	26	69	)	)	PUNCT
easat-1510	26	70	,	,	PUNCT
easat-1510	26	71	and	and	CCONJ
easat-1510	26	72	are	be	AUX
easat-1510	26	73	purposed	purpose	VERB
easat-1510	26	74	to	to	PART
easat-1510	26	75	enhance	enhance	VERB
easat-1510	26	76	us$4.95	us$4.95	NUM
easat-1510	26	77	trillion	trillion	NUM
easat-1510	26	78	in	in	ADP
easat-1510	26	79	2025	2025	NUM
easat-1510	26	80	(	(	PUNCT
easat-1510	26	81	refinitiv	refinitiv	NOUN
easat-1510	26	82	,	,	PUNCT
easat-1510	26	83	2021	2021	NUM
easat-1510	26	84	)	)	PUNCT
easat-1510	26	85	.	.	PUNCT
easat-1510	27	1	the	the	DET
easat-1510	27	2	fintech	fintech	NOUN
easat-1510	27	3	of	of	ADP
easat-1510	27	4	sharia	sharia	PROPN
easat-1510	27	5	industry	industry	PROPN
easat-1510	27	6	has	have	VERB
easat-1510	27	7	the	the	DET
easat-1510	27	8	potential	potential	NOUN
easat-1510	27	9	to	to	PART
easat-1510	27	10	become	become	VERB
easat-1510	27	11	a	a	DET
easat-1510	27	12	large	large	ADJ
easat-1510	27	13	global	global	ADJ
easat-1510	27	14	industry	industry	NOUN
easat-1510	27	15	,	,	PUNCT
easat-1510	27	16	especially	especially	ADV
easat-1510	27	17	with	with	ADP
easat-1510	27	18	the	the	DET
easat-1510	27	19	growth	growth	NOUN
easat-1510	27	20	of	of	ADP
easat-1510	27	21	the	the	DET
easat-1510	27	22	muslim	muslim	ADJ
easat-1510	27	23	population	population	NOUN
easat-1510	27	24	which	which	PRON
easat-1510	27	25	is	be	AUX
easat-1510	27	26	estimated	estimate	VERB
easat-1510	27	27	to	to	PART
easat-1510	27	28	reach	reach	VERB
easat-1510	27	29	26.4	26.4	NUM
easat-1510	27	30	%	%	NOUN
easat-1510	27	31	of	of	ADP
easat-1510	27	32	the	the	DET
easat-1510	27	33	total	total	ADJ
easat-1510	27	34	world	world	NOUN
easat-1510	27	35	population	population	NOUN
easat-1510	27	36	in	in	ADP
easat-1510	27	37	2030	2030	NUM
easat-1510	27	38	(	(	PUNCT
easat-1510	27	39	the	the	DET
easat-1510	27	40	world	world	PROPN
easat-1510	27	41	bank	bank	PROPN
easat-1510	27	42	,	,	PUNCT
easat-1510	27	43	2020	2020	NUM
easat-1510	27	44	;	;	PUNCT
easat-1510	27	45	majid	majid	PROPN
easat-1510	27	46	,	,	PUNCT
easat-1510	27	47	2021	2021	NUM
easat-1510	27	48	)	)	PUNCT
easat-1510	27	49	.	.	PUNCT
easat-1510	28	1	indonesia	indonesia	PROPN
easat-1510	28	2	is	be	AUX
easat-1510	28	3	a	a	DET
easat-1510	28	4	country	country	NOUN
easat-1510	28	5	with	with	ADP
easat-1510	28	6	a	a	DET
easat-1510	28	7	world	world	NOUN
easat-1510	28	8	-	-	PUNCT
easat-1510	28	9	famous	famous	ADJ
easat-1510	28	10	sharia	sharia	PROPN
easat-1510	28	11	fintech	fintech	NOUN
easat-1510	28	12	financial	financial	ADJ
easat-1510	28	13	centre	centre	NOUN
easat-1510	28	14	.	.	PUNCT
easat-1510	29	1	fintech	fintech	NOUN
easat-1510	29	2	has	have	AUX
easat-1510	29	3	developed	develop	VERB
easat-1510	29	4	rapidly	rapidly	ADV
easat-1510	29	5	in	in	ADP
easat-1510	29	6	indonesia	indonesia	PROPN
easat-1510	29	7	.	.	PUNCT
easat-1510	30	1	foreign	foreign	ADJ
easat-1510	30	2	investors	investor	NOUN
easat-1510	30	3	and	and	CCONJ
easat-1510	30	4	even	even	ADV
easat-1510	30	5	from	from	ADP
easat-1510	30	6	various	various	ADJ
easat-1510	30	7	countries	country	NOUN
easat-1510	30	8	have	have	AUX
easat-1510	30	9	highlighted	highlight	VERB
easat-1510	30	10	the	the	DET
easat-1510	30	11	enhancement	enhancement	NOUN
easat-1510	30	12	of	of	ADP
easat-1510	30	13	fintech	fintech	NOUN
easat-1510	30	14	in	in	ADP
easat-1510	30	15	indonesia	indonesia	PROPN
easat-1510	30	16	.	.	PUNCT
easat-1510	31	1	(	(	PUNCT
easat-1510	31	2	hendratmi	hendratmi	X
easat-1510	31	3	et	et	PROPN
easat-1510	31	4	al	al	PROPN
easat-1510	31	5	.	.	PROPN
easat-1510	31	6	,	,	PUNCT
easat-1510	31	7	2019	2019	NUM
easat-1510	31	8	;	;	PUNCT
easat-1510	31	9	darmansyah	darmansyah	NOUN
easat-1510	31	10	et	et	PROPN
easat-1510	31	11	al	al	PROPN
easat-1510	31	12	.	.	PROPN
easat-1510	31	13	,	,	PUNCT
easat-1510	31	14	2020	2020	NUM
easat-1510	31	15	)	)	PUNCT
easat-1510	31	16	.	.	PUNCT
easat-1510	32	1	in	in	ADP
easat-1510	32	2	the	the	DET
easat-1510	32	3	last	last	ADJ
easat-1510	32	4	four	four	NUM
easat-1510	32	5	years	year	NOUN
easat-1510	32	6	,	,	PUNCT
easat-1510	32	7	indonesia	indonesia	PROPN
easat-1510	32	8	has	have	AUX
easat-1510	32	9	taken	take	VERB
easat-1510	32	10	effect	effect	NOUN
easat-1510	32	11	steps	step	NOUN
easat-1510	32	12	in	in	ADP
easat-1510	32	13	developing	develop	VERB
easat-1510	32	14	its	its	PRON
easat-1510	32	15	sharia	sharia	PROPN
easat-1510	32	16	banking	banking	NOUN
easat-1510	32	17	sector	sector	NOUN
easat-1510	32	18	and	and	CCONJ
easat-1510	32	19	islamic	islamic	ADJ
easat-1510	32	20	economy	economy	NOUN
easat-1510	32	21	,	,	PUNCT
easat-1510	32	22	with	with	ADP
easat-1510	32	23	coordination	coordination	NOUN
easat-1510	32	24	from	from	ADP
easat-1510	32	25	a	a	DET
easat-1510	32	26	central	central	ADJ
easat-1510	32	27	government	government	NOUN
easat-1510	32	28	committee	committee	NOUN
easat-1510	32	29	in	in	ADP
easat-1510	32	30	collaboration	collaboration	NOUN
easat-1510	32	31	with	with	ADP
easat-1510	32	32	the	the	DET
easat-1510	32	33	vice	vice	NOUN
easat-1510	32	34	president	president	NOUN
easat-1510	32	35	and	and	CCONJ
easat-1510	32	36	president	president	PROPN
easat-1510	32	37	(	(	PUNCT
easat-1510	32	38	revinitiv	revinitiv	PROPN
easat-1510	32	39	,	,	PUNCT
easat-1510	32	40	2022	2022	NUM
easat-1510	32	41	)	)	PUNCT
easat-1510	32	42	.	.	PUNCT
easat-1510	33	1	the	the	DET
easat-1510	33	2	government	government	NOUN
easat-1510	33	3	's	's	PART
easat-1510	33	4	(	(	PUNCT
easat-1510	33	5	ojk	ojk	NOUN
easat-1510	33	6	,	,	PUNCT
easat-1510	33	7	bi	bi	NOUN
easat-1510	33	8	,	,	PUNCT
easat-1510	33	9	kneks	knek	NOUN
easat-1510	33	10	,	,	PUNCT
easat-1510	33	11	and	and	CCONJ
easat-1510	33	12	dsn	dsn	PROPN
easat-1510	33	13	mui	mui	NOUN
easat-1510	33	14	)	)	PUNCT
easat-1510	33	15	commitment	commitment	NOUN
easat-1510	33	16	to	to	ADP
easat-1510	33	17	sharia	sharia	PROPN
easat-1510	33	18	economic	economic	ADJ
easat-1510	33	19	growth	growth	NOUN
easat-1510	33	20	is	be	AUX
easat-1510	33	21	reflected	reflect	VERB
easat-1510	33	22	in	in	ADP
easat-1510	33	23	the	the	DET
easat-1510	33	24	national	national	ADJ
easat-1510	33	25	agenda	agenda	NOUN
easat-1510	33	26	and	and	CCONJ
easat-1510	33	27	programs	program	NOUN
easat-1510	33	28	that	that	PRON
easat-1510	33	29	support	support	VERB
easat-1510	33	30	this	this	DET
easat-1510	33	31	ecosystem	ecosystem	NOUN
easat-1510	33	32	.	.	PUNCT
easat-1510	34	1	however	however	ADV
easat-1510	34	2	,	,	PUNCT
easat-1510	34	3	the	the	DET
easat-1510	34	4	sharia	sharia	PROPN
easat-1510	34	5	fintech	fintech	NOUN
easat-1510	34	6	market	market	NOUN
easat-1510	34	7	in	in	ADP
easat-1510	34	8	indonesia	indonesia	PROPN
easat-1510	34	9	is	be	AUX
easat-1510	34	10	still	still	ADV
easat-1510	34	11	smaller	small	ADJ
easat-1510	34	12	compared	compare	VERB
easat-1510	34	13	to	to	ADP
easat-1510	34	14	region	region	NOUN
easat-1510	34	15	that	that	PRON
easat-1510	34	16	has	have	VERB
easat-1510	34	17	the	the	DET
easat-1510	34	18	largest	large	ADJ
easat-1510	34	19	fintech	fintech	NOUN
easat-1510	34	20	sharia	sharia	NOUN
easat-1510	34	21	market	market	NOUN
easat-1510	34	22	in	in	ADP
easat-1510	34	23	the	the	DET
easat-1510	34	24	world	world	NOUN
easat-1510	34	25	is	be	AUX
easat-1510	34	26	iran	iran	PROPN
easat-1510	34	27	,	,	PUNCT
easat-1510	34	28	the	the	DET
easat-1510	34	29	united	united	PROPN
easat-1510	34	30	arab	arab	PROPN
easat-1510	34	31	emirates	emirates	PROPN
easat-1510	34	32	,	,	PUNCT
easat-1510	34	33	malaysia	malaysia	PROPN
easat-1510	34	34	and	and	CCONJ
easat-1510	34	35	saudi	saudi	PROPN
easat-1510	34	36	arabia	arabia	PROPN
easat-1510	34	37	,	,	PUNCT
easat-1510	34	38	but	but	CCONJ
easat-1510	34	39	among	among	ADP
easat-1510	34	40	all	all	DET
easat-1510	34	41	saudi	saudi	PROPN
easat-1510	34	42	arabia	arabia	PROPN
easat-1510	34	43	is	be	AUX
easat-1510	34	44	the	the	DET
easat-1510	34	45	biggest	big	ADJ
easat-1510	34	46	,	,	PUNCT
easat-1510	34	47	with	with	ADP
easat-1510	34	48	transactions	transaction	NOUN
easat-1510	34	49	worth	worth	ADJ
easat-1510	34	50	$	$	SYM
easat-1510	34	51	17.9	17.9	NUM
easat-1510	34	52	billion	billion	NUM
easat-1510	34	53	in	in	ADP
easat-1510	34	54	2020	2020	NUM
easat-1510	34	55	,	,	PUNCT
easat-1510	34	56	while	while	SCONJ
easat-1510	34	57	iran	iran	PROPN
easat-1510	34	58	accounted	account	VERB
easat-1510	34	59	for	for	ADP
easat-1510	34	60	$	$	SYM
easat-1510	34	61	9.2	9.2	NUM
easat-1510	34	62	billion	billion	NUM
easat-1510	34	63	,	,	PUNCT
easat-1510	34	64	the	the	DET
easat-1510	34	65	uae	uae	PROPN
easat-1510	34	66	$	$	SYM
easat-1510	34	67	3.7	3.7	NUM
easat-1510	34	68	billion	billion	NUM
easat-1510	34	69	,	,	PUNCT
easat-1510	34	70	malaysia	malaysia	NOUN
easat-1510	34	71	$	$	SYM
easat-1510	34	72	3.0	3.0	NUM
easat-1510	34	73	billion	billion	NUM
easat-1510	34	74	and	and	CCONJ
easat-1510	34	75	indonesia	indonesia	PROPN
easat-1510	34	76	$	$	SYM
easat-1510	34	77	2.9	2.9	NUM
easat-1510	34	78	billion	billion	NUM
easat-1510	34	79	.	.	PUNCT
easat-1510	35	1	(	(	PUNCT
easat-1510	35	2	muryanto	muryanto	NOUN
easat-1510	35	3	et	et	PROPN
easat-1510	35	4	al	al	PROPN
easat-1510	35	5	.	.	PROPN
easat-1510	35	6	,	,	PUNCT
easat-1510	35	7	2021	2021	NUM
easat-1510	35	8	)	)	PUNCT
easat-1510	35	9	.	.	PUNCT
easat-1510	36	1	fintech	fintech	NOUN
easat-1510	36	2	of	of	ADP
easat-1510	36	3	sharia	sharia	PROPN
easat-1510	36	4	faces	face	VERB
easat-1510	36	5	the	the	DET
easat-1510	36	6	problem	problem	NOUN
easat-1510	36	7	of	of	ADP
easat-1510	36	8	low	low	ADJ
easat-1510	36	9	public	public	ADJ
easat-1510	36	10	interest	interest	NOUN
easat-1510	36	11	in	in	ADP
easat-1510	36	12	using	use	VERB
easat-1510	36	13	fintech	fintech	NOUN
easat-1510	36	14	of	of	ADP
easat-1510	36	15	sharia	sharia	PROPN
easat-1510	36	16	services	services	PROPN
easat-1510	36	17	(	(	PUNCT
easat-1510	36	18	rusydiana	rusydiana	NOUN
easat-1510	36	19	,	,	PUNCT
easat-1510	36	20	2016	2016	NUM
easat-1510	36	21	)	)	PUNCT
easat-1510	36	22	.	.	PUNCT
easat-1510	37	1	the	the	DET
easat-1510	37	2	deputy	deputy	NOUN
easat-1510	37	3	commissioner	commissioner	NOUN
easat-1510	37	4	of	of	ADP
easat-1510	37	5	the	the	DET
easat-1510	37	6	ojk	ojk	PROPN
easat-1510	37	7	institute	institute	PROPN
easat-1510	37	8	and	and	CCONJ
easat-1510	37	9	digital	digital	ADJ
easat-1510	37	10	finance	finance	NOUN
easat-1510	37	11	noted	note	VERB
easat-1510	37	12	that	that	SCONJ
easat-1510	37	13	as	as	ADP
easat-1510	37	14	of	of	ADP
easat-1510	37	15	april	april	PROPN
easat-1510	37	16	2021	2021	NUM
easat-1510	37	17	,	,	PUNCT
easat-1510	37	18	of	of	ADP
easat-1510	37	19	the	the	DET
easat-1510	37	20	381	381	NUM
easat-1510	37	21	fintech	fintech	NOUN
easat-1510	37	22	’s	’s	PART
easat-1510	37	23	licensed	license	VERB
easat-1510	37	24	and	and	CCONJ
easat-1510	37	25	registered	register	VERB
easat-1510	37	26	in	in	ADP
easat-1510	37	27	indonesia	indonesia	PROPN
easat-1510	37	28	,	,	PUNCT
easat-1510	37	29	only	only	ADV
easat-1510	37	30	17	17	NUM
easat-1510	37	31	of	of	ADP
easat-1510	37	32	them	they	PRON
easat-1510	37	33	had	have	AUX
easat-1510	37	34	adopted	adopt	VERB
easat-1510	37	35	the	the	DET
easat-1510	37	36	sharia	sharia	PROPN
easat-1510	37	37	economic	economic	ADJ
easat-1510	37	38	system	system	NOUN
easat-1510	37	39	.	.	PUNCT
easat-1510	38	1	ten	ten	NUM
easat-1510	38	2	fintech	fintech	NOUN
easat-1510	38	3	’s	’s	PART
easat-1510	38	4	are	be	AUX
easat-1510	38	5	engaged	engage	VERB
easat-1510	38	6	in	in	ADP
easat-1510	38	7	lending	lending	NOUN
easat-1510	38	8	or	or	CCONJ
easat-1510	38	9	p2p	p2p	NOUN
easat-1510	38	10	lending	lending	NOUN
easat-1510	38	11	,	,	PUNCT
easat-1510	38	12	and	and	CCONJ
easat-1510	38	13	seven	seven	NUM
easat-1510	38	14	others	other	NOUN
easat-1510	38	15	are	be	AUX
easat-1510	38	16	engaged	engage	VERB
easat-1510	38	17	in	in	ADP
easat-1510	38	18	digital	digital	ADJ
easat-1510	38	19	financial	financial	ADJ
easat-1510	38	20	innovation	innovation	NOUN
easat-1510	38	21	.	.	PUNCT
easat-1510	39	1	therefore	therefore	ADV
easat-1510	39	2	,	,	PUNCT
easat-1510	39	3	to	to	PART
easat-1510	39	4	advance	advance	VERB
easat-1510	39	5	fintech	fintech	NOUN
easat-1510	39	6	of	of	ADP
easat-1510	39	7	sharia	sharia	PROPN
easat-1510	39	8	,	,	PUNCT
easat-1510	39	9	understanding	understand	VERB
easat-1510	39	10	the	the	DET
easat-1510	39	11	factors	factor	NOUN
easat-1510	39	12	that	that	PRON
easat-1510	39	13	can	can	AUX
easat-1510	39	14	increase	increase	VERB
easat-1510	39	15	the	the	DET
easat-1510	39	16	desire	desire	NOUN
easat-1510	39	17	of	of	ADP
easat-1510	39	18	indonesian	indonesian	ADJ
easat-1510	39	19	action	action	NOUN
easat-1510	39	20	in	in	ADP
easat-1510	39	21	utilizing	utilize	VERB
easat-1510	39	22	fintech	fintech	NOUN
easat-1510	39	23	of	of	ADP
easat-1510	39	24	sharia	sharia	PROPN
easat-1510	39	25	services	services	PROPN
easat-1510	39	26	is	be	AUX
easat-1510	39	27	very	very	ADV
easat-1510	39	28	important	important	ADJ
easat-1510	39	29	(	(	PUNCT
easat-1510	39	30	amini	amini	PROPN
easat-1510	39	31	et	et	PROPN
easat-1510	39	32	al	al	PROPN
easat-1510	39	33	.	.	PROPN
easat-1510	39	34	,	,	PUNCT
easat-1510	39	35	2020	2020	NUM
easat-1510	39	36	)	)	PUNCT
easat-1510	39	37	.	.	PUNCT
easat-1510	40	1	discussions	discussion	NOUN
easat-1510	40	2	regarding	regard	VERB
easat-1510	40	3	banking	banking	NOUN
easat-1510	40	4	law	law	NOUN
easat-1510	40	5	from	from	ADP
easat-1510	40	6	a	a	DET
easat-1510	40	7	traditional	traditional	ADJ
easat-1510	40	8	perspective	perspective	NOUN
easat-1510	40	9	are	be	AUX
easat-1510	40	10	not	not	PART
easat-1510	40	11	widely	widely	ADV
easat-1510	40	12	discussed	discuss	VERB
easat-1510	40	13	in	in	ADP
easat-1510	40	14	some	some	PRON
easat-1510	40	15	of	of	ADP
easat-1510	40	16	the	the	DET
easat-1510	40	17	literature	literature	NOUN
easat-1510	40	18	(	(	PUNCT
easat-1510	40	19	rafay	rafay	PROPN
easat-1510	40	20	,	,	PUNCT
easat-1510	40	21	a.	a.	PROPN
easat-1510	40	22	,	,	PUNCT
easat-1510	40	23	&	&	CCONJ
easat-1510	40	24	sadiq	sadiq	PROPN
easat-1510	40	25	,	,	PUNCT
easat-1510	40	26	r.	r.	PROPN
easat-1510	40	27	2015	2015	NUM
easat-1510	40	28	hoehle	hoehle	NOUN
easat-1510	40	29	,	,	PUNCT
easat-1510	40	30	scornavacca	scornavacca	NOUN
easat-1510	40	31	&	&	CCONJ
easat-1510	40	32	huff	huff	PROPN
easat-1510	40	33	,	,	PUNCT
easat-1510	40	34	2012	2012	NUM
easat-1510	40	35	)	)	PUNCT
easat-1510	40	36	,	,	PUNCT
easat-1510	40	37	pesendorfer	pesendorfer	NOUN
easat-1510	40	38	,	,	PUNCT
easat-1510	40	39	&	&	CCONJ
easat-1510	40	40	lehner	lehner	PROPN
easat-1510	40	41	,	,	PUNCT
easat-1510	40	42	2016	2016	NUM
easat-1510	40	43	,	,	PUNCT
easat-1510	40	44	and	and	CCONJ
easat-1510	40	45	de	de	X
easat-1510	40	46	haan	haan	PROPN
easat-1510	40	47	,	,	PUNCT
easat-1510	40	48	&	&	CCONJ
easat-1510	40	49	vlahu	vlahu	NOUN
easat-1510	40	50	,	,	PUNCT
easat-1510	40	51	2016	2016	NUM
easat-1510	40	52	)	)	PUNCT
easat-1510	40	53	.	.	PUNCT
easat-1510	41	1	previous	previous	ADJ
easat-1510	41	2	researchers	researcher	NOUN
easat-1510	41	3	focused	focus	VERB
easat-1510	41	4	more	more	ADV
easat-1510	41	5	on	on	ADP
easat-1510	41	6	discussing	discuss	VERB
easat-1510	41	7	how	how	SCONJ
easat-1510	41	8	to	to	PART
easat-1510	41	9	develop	develop	VERB
easat-1510	41	10	and	and	CCONJ
easat-1510	41	11	use	use	VERB
easat-1510	41	12	financial	financial	ADJ
easat-1510	41	13	transactions	transaction	NOUN
easat-1510	41	14	using	use	VERB
easat-1510	41	15	the	the	DET
easat-1510	41	16	internet	internet	NOUN
easat-1510	41	17	or	or	CCONJ
easat-1510	41	18	e	e	NOUN
easat-1510	41	19	-	-	NOUN
easat-1510	41	20	commerce	commerce	NOUN
easat-1510	41	21	and	and	CCONJ
easat-1510	41	22	the	the	DET
easat-1510	41	23	benefits	benefit	NOUN
easat-1510	41	24	that	that	PRON
easat-1510	41	25	consumers	consumer	NOUN
easat-1510	41	26	obtain	obtain	VERB
easat-1510	41	27	from	from	ADP
easat-1510	41	28	banking	banking	NOUN
easat-1510	41	29	transactions	transaction	NOUN
easat-1510	41	30	.	.	PUNCT
easat-1510	42	1	few	few	ADJ
easat-1510	42	2	researchers	researcher	NOUN
easat-1510	42	3	have	have	AUX
easat-1510	42	4	discussed	discuss	VERB
easat-1510	42	5	integrated	integrated	ADJ
easat-1510	42	6	finance	finance	NOUN
easat-1510	42	7	such	such	ADJ
easat-1510	42	8	as	as	ADP
easat-1510	42	9	sharia	sharia	NOUN
easat-1510	42	10	-	-	PUNCT
easat-1510	42	11	based	base	VERB
easat-1510	42	12	vintage	vintage	NOUN
easat-1510	42	13	,	,	PUNCT
easat-1510	42	14	especially	especially	ADV
easat-1510	42	15	in	in	ADP
easat-1510	42	16	indonesia	indonesia	PROPN
easat-1510	42	17	(	(	PUNCT
easat-1510	42	18	johar	johar	PROPN
easat-1510	42	19	&	&	CCONJ
easat-1510	42	20	suhartanto	suhartanto	NOUN
easat-1510	42	21	,	,	PUNCT
easat-1510	42	22	2019	2019	NUM
easat-1510	42	23	;	;	PUNCT
easat-1510	42	24	riptiyono	riptiyono	PROPN
easat-1510	42	25	et	et	PROPN
easat-1510	42	26	al	al	PROPN
easat-1510	42	27	.	.	PROPN
easat-1510	42	28	,	,	PUNCT
easat-1510	42	29	2021	2021	NUM
easat-1510	42	30	)	)	PUNCT
easat-1510	42	31	.	.	PUNCT
easat-1510	43	1	this	this	DET
easat-1510	43	2	study	study	NOUN
easat-1510	43	3	purposes	purpose	NOUN
easat-1510	43	4	to	to	PART
easat-1510	43	5	fill	fill	VERB
easat-1510	43	6	this	this	DET
easat-1510	43	7	gap	gap	NOUN
easat-1510	43	8	by	by	ADP
easat-1510	43	9	analysing	analyse	VERB
easat-1510	43	10	the	the	DET
easat-1510	43	11	factors	factor	NOUN
easat-1510	43	12	that	that	PRON
easat-1510	43	13	influence	influence	VERB
easat-1510	43	14	actional	actional	ADJ
easat-1510	43	15	desires	desire	NOUN
easat-1510	43	16	to	to	PART
easat-1510	43	17	use	use	VERB
easat-1510	43	18	fintech	fintech	NOUN
easat-1510	43	19	sharia	sharia	PROPN
easat-1510	43	20	services	service	NOUN
easat-1510	43	21	in	in	ADP
easat-1510	43	22	indonesia	indonesia	PROPN
easat-1510	43	23	,	,	PUNCT
easat-1510	43	24	including	include	VERB
easat-1510	43	25	payments	payment	NOUN
easat-1510	43	26	,	,	PUNCT
easat-1510	43	27	peer	peer	NOUN
easat-1510	43	28	-	-	PUNCT
easat-1510	43	29	to	to	ADP
easat-1510	43	30	-	-	PUNCT
easat-1510	43	31	peer	peer	NOUN
easat-1510	43	32	(	(	PUNCT
easat-1510	43	33	p2p	p2p	NOUN
easat-1510	43	34	)	)	PUNCT
easat-1510	43	35	lending	lending	NOUN
easat-1510	43	36	,	,	PUNCT
easat-1510	43	37	and	and	CCONJ
easat-1510	43	38	crowdfunding	crowdfunding	NOUN
easat-1510	43	39	.	.	PUNCT
easat-1510	44	1	this	this	DET
easat-1510	44	2	research	research	NOUN
easat-1510	44	3	adopts	adopt	VERB
easat-1510	44	4	the	the	DET
easat-1510	44	5	integrated	integrated	ADJ
easat-1510	44	6	theory	theory	NOUN
easat-1510	44	7	of	of	ADP
easat-1510	44	8	acceptance	acceptance	NOUN
easat-1510	44	9	and	and	CCONJ
easat-1510	44	10	use	use	NOUN
easat-1510	44	11	of	of	ADP
easat-1510	44	12	application	application	NOUN
easat-1510	44	13	(	(	PUNCT
easat-1510	44	14	utaut	utaut	NOUN
easat-1510	44	15	)	)	PUNCT
easat-1510	44	16	2	2	NUM
easat-1510	44	17	by	by	ADP
easat-1510	44	18	venkatesh	venkatesh	PROPN
easat-1510	44	19	and	and	CCONJ
easat-1510	44	20	davis	davis	PROPN
easat-1510	44	21	(	(	PUNCT
easat-1510	44	22	2000	2000	NUM
easat-1510	44	23	)	)	PUNCT
easat-1510	44	24	,	,	PUNCT
easat-1510	44	25	es	es	ADJ
easat-1510	44	26	-	-	ADJ
easat-1510	44	27	qual	qual	NOUN
easat-1510	44	28	by	by	ADP
easat-1510	44	29	parasuraman	parasuraman	NOUN
easat-1510	44	30	(	(	PUNCT
easat-1510	44	31	2000	2000	NUM
easat-1510	44	32	)	)	PUNCT
easat-1510	44	33	,	,	PUNCT
easat-1510	44	34	and	and	CCONJ
easat-1510	44	35	dimensions	dimension	NOUN
easat-1510	44	36	of	of	ADP
easat-1510	44	37	religiosity	religiosity	NOUN
easat-1510	44	38	.	.	PUNCT
easat-1510	45	1	in	in	ADP
easat-1510	45	2	the	the	DET
easat-1510	45	3	context	context	NOUN
easat-1510	45	4	of	of	ADP
easat-1510	45	5	sharia	sharia	PROPN
easat-1510	45	6	fintech	fintech	NOUN
easat-1510	45	7	,	,	PUNCT
easat-1510	45	8	previous	previous	ADJ
easat-1510	45	9	research	research	NOUN
easat-1510	45	10	shows	show	VERB
easat-1510	45	11	that	that	SCONJ
easat-1510	45	12	one	one	NUM
easat-1510	45	13	of	of	ADP
easat-1510	45	14	the	the	DET
easat-1510	45	15	main	main	ADJ
easat-1510	45	16	factors	factor	NOUN
easat-1510	45	17	that	that	PRON
easat-1510	45	18	guides	guide	VERB
easat-1510	45	19	consumers	consumer	NOUN
easat-1510	45	20	in	in	ADP
easat-1510	45	21	choosing	choose	VERB
easat-1510	45	22	sharia	sharia	PROPN
easat-1510	45	23	fintech	fintech	NOUN
easat-1510	45	24	is	be	AUX
easat-1510	45	25	religiosity	religiosity	NOUN
easat-1510	45	26	(	(	PUNCT
easat-1510	45	27	kusuma	kusuma	PROPN
easat-1510	45	28	,	,	PUNCT
easat-1510	45	29	wibowo	wibowo	NOUN
easat-1510	45	30	,	,	PUNCT
easat-1510	45	31	2021	2021	NUM
easat-1510	45	32	,	,	PUNCT
easat-1510	45	33	ibrahim	ibrahim	PROPN
easat-1510	45	34	,	,	PUNCT
easat-1510	45	35	&	&	CCONJ
easat-1510	45	36	mohd	mohd	PROPN
easat-1510	45	37	sapian	sapian	PROPN
easat-1510	45	38	,	,	PUNCT
easat-1510	45	39	2023	2023	NUM
easat-1510	45	40	,	,	PUNCT
easat-1510	45	41	sugiarto	sugiarto	PROPN
easat-1510	45	42	,	,	PUNCT
easat-1510	45	43	i.	i.	PROPN
easat-1510	45	44	,	,	PUNCT
easat-1510	45	45	&	&	CCONJ
easat-1510	45	46	disemadi	disemadi	PROPN
easat-1510	45	47	,	,	PUNCT
easat-1510	45	48	h.	h.	PROPN
easat-1510	45	49	s.	s.	PROPN
easat-1510	45	50	2020	2020	NUM
easat-1510	45	51	,	,	PUNCT
easat-1510	45	52	and	and	CCONJ
easat-1510	45	53	rahim	rahim	PROPN
easat-1510	45	54	,	,	PUNCT
easat-1510	45	55	bakri	bakri	NOUN
easat-1510	45	56	,	,	PUNCT
easat-1510	45	57	m.	m.	NOUN
easat-1510	45	58	fianto	fianto	PROPN
easat-1510	45	59	,	,	PUNCT
easat-1510	45	60	zainal	zainal	NOUN
easat-1510	45	61	,	,	PUNCT
easat-1510	45	62	&	&	CCONJ
easat-1510	45	63	hussein	hussein	PROPN
easat-1510	45	64	al	al	PROPN
easat-1510	45	65	shami	shami	PROPN
easat-1510	45	66	,	,	PUNCT
easat-1510	45	67	2023	2023	NUM
easat-1510	45	68	)	)	PUNCT
easat-1510	45	69	.	.	PUNCT
easat-1510	46	1	this	this	PRON
easat-1510	46	2	has	have	VERB
easat-1510	46	3	an	an	DET
easat-1510	46	4	impact	impact	NOUN
easat-1510	46	5	on	on	ADP
easat-1510	46	6	consumers	consumer	NOUN
easat-1510	46	7	'	'	PART
easat-1510	46	8	ignorance	ignorance	NOUN
easat-1510	46	9	that	that	SCONJ
easat-1510	46	10	there	there	PRON
easat-1510	46	11	is	be	VERB
easat-1510	46	12	a	a	DET
easat-1510	46	13	sharia	sharia	NOUN
easat-1510	46	14	-	-	PUNCT
easat-1510	46	15	based	base	VERB
easat-1510	46	16	integrated	integrated	ADJ
easat-1510	46	17	financial	financial	ADJ
easat-1510	46	18	system	system	NOUN
easat-1510	46	19	,	,	PUNCT
easat-1510	46	20	which	which	PRON
easat-1510	46	21	aims	aim	VERB
easat-1510	46	22	to	to	PART
easat-1510	46	23	simplify	simplify	VERB
easat-1510	46	24	and	and	CCONJ
easat-1510	46	25	make	make	VERB
easat-1510	46	26	financial	financial	ADJ
easat-1510	46	27	transactions	transaction	NOUN
easat-1510	46	28	more	more	ADV
easat-1510	46	29	effective	effective	ADJ
easat-1510	46	30	.	.	PUNCT
easat-1510	47	1	in	in	ADP
easat-1510	47	2	this	this	DET
easat-1510	47	3	research	research	NOUN
easat-1510	47	4	,	,	PUNCT
easat-1510	47	5	researchers	researcher	NOUN
easat-1510	47	6	want	want	VERB
easat-1510	47	7	to	to	PART
easat-1510	47	8	analyze	analyze	VERB
easat-1510	47	9	more	more	ADV
easat-1510	47	10	deeply	deeply	ADV
easat-1510	47	11	and	and	CCONJ
easat-1510	47	12	provide	provide	VERB
easat-1510	47	13	information	information	NOUN
easat-1510	47	14	that	that	SCONJ
easat-1510	47	15	a	a	DET
easat-1510	47	16	sharia	sharia	NOUN
easat-1510	47	17	-	-	PUNCT
easat-1510	47	18	based	base	VERB
easat-1510	47	19	vintage	vintage	NOUN
easat-1510	47	20	will	will	AUX
easat-1510	47	21	really	really	ADV
easat-1510	47	22	attract	attract	VERB
easat-1510	47	23	consumers	consumer	NOUN
easat-1510	47	24	to	to	PART
easat-1510	47	25	make	make	VERB
easat-1510	47	26	transactions	transaction	NOUN
easat-1510	47	27	.	.	PUNCT
easat-1510	48	1	based	base	VERB
easat-1510	48	2	on	on	ADP
easat-1510	48	3	islamic	islamic	ADJ
easat-1510	48	4	rules	rule	NOUN
easat-1510	48	5	where	where	SCONJ
easat-1510	48	6	the	the	DET
easat-1510	48	7	two	two	NUM
easat-1510	48	8	are	be	AUX
easat-1510	48	9	related	relate	VERB
easat-1510	48	10	(	(	PUNCT
easat-1510	48	11	bananuka	bananuka	NOUN
easat-1510	48	12	et	et	PROPN
easat-1510	48	13	al	al	PROPN
easat-1510	48	14	.	.	PROPN
easat-1510	48	15	,	,	PUNCT
easat-1510	48	16	2019	2019	NUM
easat-1510	48	17	;	;	PUNCT
easat-1510	48	18	suhartanto	suhartanto	NOUN
easat-1510	48	19	,	,	PUNCT
easat-1510	48	20	2019	2019	NUM
easat-1510	48	21	)	)	PUNCT
easat-1510	48	22	.	.	PUNCT
easat-1510	49	1	2	2	X
easat-1510	49	2	.	.	X
easat-1510	49	3	literature	literature	NOUN
easat-1510	49	4	review	review	VERB
easat-1510	49	5	2.1	2.1	NUM
easat-1510	49	6	.	.	PUNCT
easat-1510	50	1	extended	extend	VERB
easat-1510	50	2	unified	unified	ADJ
easat-1510	50	3	theory	theory	NOUN
easat-1510	50	4	of	of	ADP
easat-1510	50	5	acceptance	acceptance	NOUN
easat-1510	50	6	and	and	CCONJ
easat-1510	50	7	use	use	NOUN
easat-1510	50	8	of	of	ADP
easat-1510	50	9	application	application	NOUN
easat-1510	50	10	one	one	NUM
easat-1510	50	11	of	of	ADP
easat-1510	50	12	the	the	DET
easat-1510	50	13	models	model	NOUN
easat-1510	50	14	developed	develop	VERB
easat-1510	50	15	by	by	ADP
easat-1510	50	16	venkatesh	venkatesh	PROPN
easat-1510	50	17	et	et	PROPN
easat-1510	50	18	al	al	PROPN
easat-1510	50	19	.	.	PROPN
easat-1510	51	1	(	(	PUNCT
easat-1510	51	2	2003	2003	NUM
easat-1510	51	3	)	)	PUNCT
easat-1510	51	4	is	be	AUX
easat-1510	51	5	a	a	DET
easat-1510	51	6	model	model	NOUN
easat-1510	51	7	used	use	VERB
easat-1510	51	8	to	to	PART
easat-1510	51	9	predict	predict	VERB
easat-1510	51	10	or	or	CCONJ
easat-1510	51	11	predict	predict	VERB
easat-1510	51	12	consumer	consumer	NOUN
easat-1510	51	13	action	action	NOUN
easat-1510	51	14	in	in	ADP
easat-1510	51	15	using	use	VERB
easat-1510	51	16	,	,	PUNCT
easat-1510	51	17	accepting	accept	VERB
easat-1510	51	18	and	and	CCONJ
easat-1510	51	19	utilizing	utilize	VERB
easat-1510	51	20	application	application	NOUN
easat-1510	51	21	,	,	PUNCT
easat-1510	51	22	namely	namely	ADV
easat-1510	51	23	the	the	DET
easat-1510	51	24	unified	unified	ADJ
easat-1510	51	25	theory	theory	NOUN
easat-1510	51	26	of	of	ADP
easat-1510	51	27	acceptance	acceptance	NOUN
easat-1510	51	28	and	and	CCONJ
easat-1510	51	29	use	use	NOUN
easat-1510	51	30	of	of	ADP
easat-1510	51	31	application	application	NOUN
easat-1510	51	32	.	.	PUNCT
easat-1510	52	1	previous	previous	ADJ
easat-1510	52	2	research	research	NOUN
easat-1510	52	3	has	have	AUX
easat-1510	52	4	used	use	VERB
easat-1510	52	5	utaut	utaut	PROPN
easat-1510	52	6	functions	function	NOUN
easat-1510	52	7	as	as	ADP
easat-1510	52	8	a	a	DET
easat-1510	52	9	tool	tool	NOUN
easat-1510	52	10	to	to	PART
easat-1510	52	11	analyse	analyse	VERB
easat-1510	52	12	factors	factor	NOUN
easat-1510	52	13	which	which	PRON
easat-1510	52	14	can	can	AUX
easat-1510	52	15	influence	influence	VERB
easat-1510	52	16	consumer	consumer	NOUN
easat-1510	52	17	desires	desire	NOUN
easat-1510	52	18	in	in	ADP
easat-1510	52	19	the	the	DET
easat-1510	52	20	use	use	NOUN
easat-1510	52	21	and	and	CCONJ
easat-1510	52	22	enhancement	enhancement	NOUN
easat-1510	52	23	of	of	ADP
easat-1510	52	24	modern	modern	ADJ
easat-1510	52	25	application	application	NOUN
easat-1510	52	26	.	.	PUNCT
easat-1510	53	1	these	these	DET
easat-1510	53	2	four	four	NUM
easat-1510	53	3	constructs	construct	NOUN
easat-1510	53	4	are	be	AUX
easat-1510	53	5	:	:	PUNCT
easat-1510	53	6	performance	performance	NOUN
easat-1510	53	7	expectancy	expectancy	NOUN
easat-1510	53	8	(	(	PUNCT
easat-1510	53	9	pe	pe	INTJ
easat-1510	53	10	)	)	PUNCT
easat-1510	53	11	,	,	PUNCT
easat-1510	53	12	relates	relate	VERB
easat-1510	53	13	to	to	ADP
easat-1510	53	14	the	the	DET
easat-1510	53	15	extent	extent	NOUN
easat-1510	53	16	to	to	PART
easat-1510	53	17	which	which	PRON
easat-1510	53	18	individuals	individual	NOUN
easat-1510	53	19	believe	believe	VERB
easat-1510	53	20	that	that	SCONJ
easat-1510	53	21	using	use	VERB
easat-1510	53	22	a	a	DET
easat-1510	53	23	application	application	NOUN
easat-1510	53	24	will	will	AUX
easat-1510	53	25	help	help	VERB
easat-1510	53	26	them	they	PRON
easat-1510	53	27	perform	perform	VERB
easat-1510	53	28	a	a	DET
easat-1510	53	29	particular	particular	ADJ
easat-1510	53	30	task	task	NOUN
easat-1510	53	31	more	more	ADV
easat-1510	53	32	effectively	effectively	ADV
easat-1510	53	33	or	or	CCONJ
easat-1510	53	34	efficiently	efficiently	ADV
easat-1510	53	35	.	.	PUNCT
easat-1510	54	1	it	it	PRON
easat-1510	54	2	focuses	focus	VERB
easat-1510	54	3	on	on	ADP
easat-1510	54	4	the	the	DET
easat-1510	54	5	perceived	perceive	VERB
easat-1510	54	6	usefulness	usefulness	NOUN
easat-1510	54	7	of	of	ADP
easat-1510	54	8	application	application	NOUN
easat-1510	54	9	.	.	PUNCT
easat-1510	55	1	effort	effort	NOUN
easat-1510	55	2	expectancy	expectancy	NOUN
easat-1510	55	3	(	(	PUNCT
easat-1510	55	4	ee	ee	PROPN
easat-1510	55	5	)	)	PUNCT
easat-1510	55	6	,	,	PUNCT
easat-1510	55	7	implies	imply	VERB
easat-1510	55	8	the	the	DET
easat-1510	55	9	extent	extent	NOUN
easat-1510	55	10	to	to	PART
easat-1510	55	11	which	which	PRON
easat-1510	55	12	a	a	DET
easat-1510	55	13	person	person	NOUN
easat-1510	55	14	1335	1335	NUM
easat-1510	55	15	edelweiss	edelweiss	PROPN
easat-1510	55	16	applied	apply	VERB
easat-1510	55	17	science	science	NOUN
easat-1510	55	18	and	and	CCONJ
easat-1510	55	19	technology	technology	NOUN
easat-1510	55	20	issn	issn	PROPN
easat-1510	55	21	:	:	PUNCT
easat-1510	55	22	2576	2576	NUM
easat-1510	55	23	-	-	SYM
easat-1510	55	24	8484	8484	NUM
easat-1510	55	25	vol	vol	NOUN
easat-1510	55	26	.	.	PROPN
easat-1510	55	27	8	8	NUM
easat-1510	55	28	,	,	PUNCT
easat-1510	55	29	no	no	INTJ
easat-1510	55	30	.	.	NOUN
easat-1510	55	31	4	4	NUM
easat-1510	55	32	:	:	SYM
easat-1510	55	33	1333	1333	NUM
easat-1510	55	34	-	-	SYM
easat-1510	55	35	1346	1346	NUM
easat-1510	55	36	,	,	PUNCT
easat-1510	55	37	2024	2024	NUM
easat-1510	55	38	doi	doi	NOUN
easat-1510	55	39	:	:	PUNCT
easat-1510	55	40	10.55214/25768484.v8i4.1510	10.55214/25768484.v8i4.1510	NUM
easat-1510	55	41	©	©	ADP
easat-1510	55	42	2024	2024	NUM
easat-1510	55	43	by	by	ADP
easat-1510	55	44	the	the	DET
easat-1510	55	45	authors	author	NOUN
easat-1510	55	46	;	;	PUNCT
easat-1510	55	47	licensee	licensee	PROPN
easat-1510	55	48	learning	learn	VERB
easat-1510	55	49	gate	gate	PROPN
easat-1510	55	50	believes	believe	VERB
easat-1510	55	51	that	that	SCONJ
easat-1510	55	52	using	use	VERB
easat-1510	55	53	application	application	NOUN
easat-1510	55	54	will	will	AUX
easat-1510	55	55	be	be	AUX
easat-1510	55	56	easy	easy	ADJ
easat-1510	55	57	or	or	CCONJ
easat-1510	55	58	effortless	effortless	ADJ
easat-1510	55	59	.	.	PUNCT
easat-1510	56	1	this	this	PRON
easat-1510	56	2	reflects	reflect	VERB
easat-1510	56	3	the	the	DET
easat-1510	56	4	individual	individual	NOUN
easat-1510	56	5	's	's	PART
easat-1510	56	6	belief	belief	NOUN
easat-1510	56	7	that	that	SCONJ
easat-1510	56	8	using	use	VERB
easat-1510	56	9	application	application	NOUN
easat-1510	56	10	will	will	AUX
easat-1510	56	11	be	be	AUX
easat-1510	56	12	easy	easy	ADJ
easat-1510	56	13	.	.	PUNCT
easat-1510	57	1	social	social	ADJ
easat-1510	57	2	influence	influence	NOUN
easat-1510	57	3	(	(	PUNCT
easat-1510	57	4	si	si	NOUN
easat-1510	57	5	)	)	PUNCT
easat-1510	57	6	,	,	PUNCT
easat-1510	57	7	this	this	DET
easat-1510	57	8	construct	construct	NOUN
easat-1510	57	9	includes	include	VERB
easat-1510	57	10	the	the	DET
easat-1510	57	11	impact	impact	NOUN
easat-1510	57	12	of	of	ADP
easat-1510	57	13	social	social	ADJ
easat-1510	57	14	factors	factor	NOUN
easat-1510	57	15	and	and	CCONJ
easat-1510	57	16	influences	influence	NOUN
easat-1510	57	17	on	on	ADP
easat-1510	57	18	an	an	DET
easat-1510	57	19	individual	individual	NOUN
easat-1510	57	20	's	's	PART
easat-1510	57	21	decision	decision	NOUN
easat-1510	57	22	to	to	PART
easat-1510	57	23	use	use	VERB
easat-1510	57	24	a	a	DET
easat-1510	57	25	application	application	NOUN
easat-1510	57	26	.	.	PUNCT
easat-1510	58	1	this	this	PRON
easat-1510	58	2	involves	involve	VERB
easat-1510	58	3	influence	influence	NOUN
easat-1510	58	4	from	from	ADP
easat-1510	58	5	friends	friend	NOUN
easat-1510	58	6	,	,	PUNCT
easat-1510	58	7	family	family	NOUN
easat-1510	58	8	,	,	PUNCT
easat-1510	58	9	coworkers	coworker	NOUN
easat-1510	58	10	,	,	PUNCT
easat-1510	58	11	and	and	CCONJ
easat-1510	58	12	other	other	ADJ
easat-1510	58	13	social	social	ADJ
easat-1510	58	14	networks	network	NOUN
easat-1510	58	15	.	.	PUNCT
easat-1510	59	1	facilitating	facilitate	VERB
easat-1510	59	2	conditions	condition	NOUN
easat-1510	59	3	(	(	PUNCT
easat-1510	59	4	fc	fc	INTJ
easat-1510	59	5	)	)	PUNCT
easat-1510	59	6	,	,	PUNCT
easat-1510	59	7	relates	relate	VERB
easat-1510	59	8	to	to	ADP
easat-1510	59	9	individuals	individual	NOUN
easat-1510	59	10	'	'	PART
easat-1510	59	11	perceptions	perception	NOUN
easat-1510	59	12	of	of	ADP
easat-1510	59	13	the	the	DET
easat-1510	59	14	support	support	NOUN
easat-1510	59	15	and	and	CCONJ
easat-1510	59	16	resources	resource	NOUN
easat-1510	59	17	available	available	ADJ
easat-1510	59	18	to	to	ADP
easat-1510	59	19	them	they	PRON
easat-1510	59	20	in	in	ADP
easat-1510	59	21	using	use	VERB
easat-1510	59	22	a	a	DET
easat-1510	59	23	application	application	NOUN
easat-1510	59	24	.	.	PUNCT
easat-1510	60	1	this	this	PRON
easat-1510	60	2	involves	involve	VERB
easat-1510	60	3	confidence	confidence	NOUN
easat-1510	60	4	that	that	SCONJ
easat-1510	60	5	the	the	DET
easat-1510	60	6	necessary	necessary	ADJ
easat-1510	60	7	infrastructure	infrastructure	NOUN
easat-1510	60	8	,	,	PUNCT
easat-1510	60	9	assistance	assistance	NOUN
easat-1510	60	10	and	and	CCONJ
easat-1510	60	11	support	support	NOUN
easat-1510	60	12	is	be	AUX
easat-1510	60	13	accessible	accessible	ADJ
easat-1510	60	14	.	.	PUNCT
easat-1510	60	15	)	)	PUNCT
easat-1510	60	16	to	to	PART
easat-1510	60	17	increase	increase	VERB
easat-1510	60	18	prediction	prediction	NOUN
easat-1510	60	19	which	which	PRON
easat-1510	60	20	is	be	AUX
easat-1510	60	21	more	more	ADV
easat-1510	60	22	accurate	accurate	ADJ
easat-1510	60	23	.	.	PUNCT
easat-1510	61	1	venkatesh	venkatesh	PROPN
easat-1510	61	2	and	and	CCONJ
easat-1510	61	3	his	his	PRON
easat-1510	61	4	colleagues	colleague	NOUN
easat-1510	61	5	(	(	PUNCT
easat-1510	61	6	2012	2012	NUM
easat-1510	61	7	)	)	PUNCT
easat-1510	61	8	proposed	propose	VERB
easat-1510	61	9	the	the	DET
easat-1510	61	10	enhancement	enhancement	NOUN
easat-1510	61	11	of	of	ADP
easat-1510	61	12	utaut	utaut	PROPN
easat-1510	61	13	to	to	PART
easat-1510	61	14	utaut2	utaut2	NOUN
easat-1510	61	15	involved	involve	VERB
easat-1510	61	16	the	the	DET
easat-1510	61	17	addition	addition	NOUN
easat-1510	61	18	of	of	ADP
easat-1510	61	19	additional	additional	ADJ
easat-1510	61	20	factors	factor	NOUN
easat-1510	61	21	and	and	CCONJ
easat-1510	61	22	moderation	moderation	NOUN
easat-1510	61	23	to	to	PART
easat-1510	61	24	increase	increase	VERB
easat-1510	61	25	the	the	DET
easat-1510	61	26	model	model	NOUN
easat-1510	61	27	's	's	PART
easat-1510	61	28	accuracy	accuracy	NOUN
easat-1510	61	29	and	and	CCONJ
easat-1510	61	30	ability	ability	NOUN
easat-1510	61	31	to	to	PART
easat-1510	61	32	explain	explain	VERB
easat-1510	61	33	application	application	NOUN
easat-1510	61	34	adoption	adoption	NOUN
easat-1510	61	35	.	.	PUNCT
easat-1510	62	1	here	here	ADV
easat-1510	62	2	are	be	AUX
easat-1510	62	3	some	some	PRON
easat-1510	62	4	of	of	ADP
easat-1510	62	5	the	the	DET
easat-1510	62	6	extensions	extension	NOUN
easat-1510	62	7	that	that	PRON
easat-1510	62	8	make	make	VERB
easat-1510	62	9	up	up	ADP
easat-1510	62	10	utaut2	utaut2	NOUN
easat-1510	62	11	:	:	PUNCT
easat-1510	62	12	hedonic	hedonic	ADJ
easat-1510	62	13	motivation	motivation	NOUN
easat-1510	62	14	(	(	PUNCT
easat-1510	62	15	hm	hm	INTJ
easat-1510	62	16	)	)	PUNCT
easat-1510	62	17	,	,	PUNCT
easat-1510	62	18	as	as	ADP
easat-1510	62	19	an	an	DET
easat-1510	62	20	additional	additional	ADJ
easat-1510	62	21	factor	factor	NOUN
easat-1510	62	22	influencing	influence	VERB
easat-1510	62	23	users	user	NOUN
easat-1510	62	24	'	'	PART
easat-1510	62	25	desire	desire	NOUN
easat-1510	62	26	to	to	PART
easat-1510	62	27	adopt	adopt	VERB
easat-1510	62	28	application	application	NOUN
easat-1510	62	29	.	.	PUNCT
easat-1510	63	1	price	price	NOUN
easat-1510	63	2	score	score	NOUN
easat-1510	63	3	(	(	PUNCT
easat-1510	63	4	pv	pv	NOUN
easat-1510	63	5	)	)	PUNCT
easat-1510	63	6	,	,	PUNCT
easat-1510	63	7	a	a	DET
easat-1510	63	8	factor	factor	NOUN
easat-1510	63	9	influencing	influence	VERB
easat-1510	63	10	user	user	NOUN
easat-1510	63	11	intent	intent	NOUN
easat-1510	63	12	.	.	PUNCT
easat-1510	64	1	habit	habit	NOUN
easat-1510	64	2	(	(	PUNCT
easat-1510	64	3	ht	ht	PROPN
easat-1510	64	4	)	)	PUNCT
easat-1510	64	5	,	,	PUNCT
easat-1510	64	6	refers	refer	VERB
easat-1510	64	7	to	to	ADP
easat-1510	64	8	a	a	DET
easat-1510	64	9	user	user	NOUN
easat-1510	64	10	's	's	PART
easat-1510	64	11	tendency	tendency	NOUN
easat-1510	64	12	to	to	PART
easat-1510	64	13	automatically	automatically	ADV
easat-1510	64	14	use	use	VERB
easat-1510	64	15	application	application	NOUN
easat-1510	64	16	based	base	VERB
easat-1510	64	17	on	on	ADP
easat-1510	64	18	daily	daily	ADJ
easat-1510	64	19	habits	habit	NOUN
easat-1510	64	20	.	.	PUNCT
easat-1510	65	1	voluntariness	voluntariness	ADJ
easat-1510	65	2	of	of	ADP
easat-1510	65	3	use	use	NOUN
easat-1510	65	4	(	(	PUNCT
easat-1510	65	5	vu	vu	NOUN
easat-1510	65	6	)	)	PUNCT
easat-1510	65	7	,	,	PUNCT
easat-1510	65	8	to	to	PART
easat-1510	65	9	identify	identify	VERB
easat-1510	65	10	the	the	DET
easat-1510	65	11	extent	extent	NOUN
easat-1510	65	12	to	to	PART
easat-1510	65	13	which	which	PRON
easat-1510	65	14	users	user	NOUN
easat-1510	65	15	feel	feel	VERB
easat-1510	65	16	voluntary	voluntary	ADJ
easat-1510	65	17	or	or	CCONJ
easat-1510	65	18	forced	force	VERB
easat-1510	65	19	in	in	ADP
easat-1510	65	20	adopting	adopt	VERB
easat-1510	65	21	application	application	NOUN
easat-1510	65	22	.	.	PUNCT
easat-1510	66	1	performance	performance	NOUN
easat-1510	66	2	expectancyeffort	expectancyeffort	NOUN
easat-1510	66	3	expectancy	expectancy	NOUN
easat-1510	66	4	(	(	PUNCT
easat-1510	66	5	pe	pe	PROPN
easat-1510	66	6	-	-	PUNCT
easat-1510	66	7	ee	ee	NOUN
easat-1510	66	8	)	)	PUNCT
easat-1510	66	9	interaction	interaction	NOUN
easat-1510	66	10	,	,	PUNCT
easat-1510	66	11	considers	consider	VERB
easat-1510	66	12	the	the	DET
easat-1510	66	13	interaction	interaction	NOUN
easat-1510	66	14	between	between	ADP
easat-1510	66	15	performance	performance	NOUN
easat-1510	66	16	expectancy	expectancy	NOUN
easat-1510	66	17	and	and	CCONJ
easat-1510	66	18	effort	effort	NOUN
easat-1510	66	19	expectancy	expectancy	NOUN
easat-1510	66	20	as	as	ADP
easat-1510	66	21	variables	variable	NOUN
easat-1510	66	22	that	that	PRON
easat-1510	66	23	influence	influence	NOUN
easat-1510	66	24	user	user	NOUN
easat-1510	66	25	desire	desire	NOUN
easat-1510	66	26	.	.	PUNCT
easat-1510	67	1	social	social	ADJ
easat-1510	67	2	influencefacilitating	influencefacilitating	NOUN
easat-1510	67	3	conditions	condition	NOUN
easat-1510	67	4	(	(	PUNCT
easat-1510	67	5	si	si	NOUN
easat-1510	67	6	-	-	PUNCT
easat-1510	67	7	fc	fc	NOUN
easat-1510	67	8	)	)	PUNCT
easat-1510	67	9	interaction	interaction	NOUN
easat-1510	67	10	,	,	PUNCT
easat-1510	67	11	influence	influence	NOUN
easat-1510	67	12	and	and	CCONJ
easat-1510	67	13	facility	facility	NOUN
easat-1510	67	14	conditions	condition	NOUN
easat-1510	67	15	is	be	AUX
easat-1510	67	16	also	also	ADV
easat-1510	67	17	recognized	recognize	VERB
easat-1510	67	18	as	as	ADP
easat-1510	67	19	a	a	DET
easat-1510	67	20	factor	factor	NOUN
easat-1510	67	21	that	that	PRON
easat-1510	67	22	can	can	AUX
easat-1510	67	23	moderate	moderate	VERB
easat-1510	67	24	user	user	NOUN
easat-1510	67	25	desires	desire	NOUN
easat-1510	67	26	.	.	PUNCT
easat-1510	68	1	2.2	2.2	NUM
easat-1510	68	2	.	.	PUNCT
easat-1510	68	3	performance	performance	NOUN
easat-1510	68	4	expectancy	expectancy	NOUN
easat-1510	68	5	(	(	PUNCT
easat-1510	68	6	pe	pe	NOUN
easat-1510	68	7	)	)	PUNCT
easat-1510	68	8	performance	performance	NOUN
easat-1510	68	9	expectations	expectation	NOUN
easat-1510	68	10	reflect	reflect	VERB
easat-1510	68	11	users	user	NOUN
easat-1510	68	12	'	'	PART
easat-1510	68	13	beliefs	belief	NOUN
easat-1510	68	14	that	that	SCONJ
easat-1510	68	15	the	the	DET
easat-1510	68	16	use	use	NOUN
easat-1510	68	17	of	of	ADP
easat-1510	68	18	application	application	NOUN
easat-1510	68	19	will	will	AUX
easat-1510	68	20	provide	provide	VERB
easat-1510	68	21	positive	positive	ADJ
easat-1510	68	22	benefits	benefit	NOUN
easat-1510	68	23	in	in	ADP
easat-1510	68	24	terms	term	NOUN
easat-1510	68	25	of	of	ADP
easat-1510	68	26	their	their	PRON
easat-1510	68	27	performance	performance	NOUN
easat-1510	68	28	or	or	CCONJ
easat-1510	68	29	productivity	productivity	NOUN
easat-1510	68	30	(	(	PUNCT
easat-1510	68	31	schmitz	schmitz	PROPN
easat-1510	68	32	et	et	PROPN
easat-1510	68	33	al	al	PROPN
easat-1510	68	34	.	.	PROPN
easat-1510	68	35	,	,	PUNCT
easat-1510	68	36	2022	2022	NUM
easat-1510	68	37	;	;	PUNCT
easat-1510	68	38	venkatesh	venkatesh	PROPN
easat-1510	68	39	et	et	PROPN
easat-1510	68	40	al	al	PROPN
easat-1510	68	41	.	.	PROPN
easat-1510	68	42	,	,	PUNCT
easat-1510	68	43	2012	2012	NUM
easat-1510	68	44	)	)	PUNCT
easat-1510	68	45	.	.	PUNCT
easat-1510	69	1	performance	performance	NOUN
easat-1510	69	2	expectations	expectation	NOUN
easat-1510	69	3	are	be	AUX
easat-1510	69	4	one	one	NUM
easat-1510	69	5	of	of	ADP
easat-1510	69	6	the	the	DET
easat-1510	69	7	four	four	NUM
easat-1510	69	8	main	main	ADJ
easat-1510	69	9	factors	factor	NOUN
easat-1510	69	10	that	that	PRON
easat-1510	69	11	influence	influence	VERB
easat-1510	69	12	user	user	NOUN
easat-1510	69	13	action	action	NOUN
easat-1510	69	14	toward	toward	ADP
easat-1510	69	15	application	application	NOUN
easat-1510	69	16	adoption	adoption	NOUN
easat-1510	69	17	,	,	PUNCT
easat-1510	69	18	along	along	ADP
easat-1510	69	19	with	with	ADP
easat-1510	69	20	effort	effort	NOUN
easat-1510	69	21	expectations	expectation	NOUN
easat-1510	69	22	,	,	PUNCT
easat-1510	69	23	social	social	ADJ
easat-1510	69	24	influences	influence	NOUN
easat-1510	69	25	,	,	PUNCT
easat-1510	69	26	and	and	CCONJ
easat-1510	69	27	facility	facility	NOUN
easat-1510	69	28	conditions	condition	NOUN
easat-1510	69	29	(	(	PUNCT
easat-1510	69	30	baudier	baudier	NOUN
easat-1510	69	31	et	et	NOUN
easat-1510	69	32	al	al	PROPN
easat-1510	69	33	.	.	PROPN
easat-1510	69	34	,	,	PUNCT
easat-1510	69	35	2020	2020	NUM
easat-1510	69	36	;	;	PUNCT
easat-1510	69	37	cabrera	cabrera	NOUN
easat-1510	69	38	-	-	PUNCT
easat-1510	69	39	sánchez	sánchez	PROPN
easat-1510	69	40	et	et	PROPN
easat-1510	69	41	al	al	PROPN
easat-1510	69	42	.	.	PROPN
easat-1510	69	43	,	,	PUNCT
easat-1510	69	44	2021	2021	NUM
easat-1510	69	45	;	;	PUNCT
easat-1510	69	46	cimperman	cimperman	NOUN
easat-1510	69	47	et	et	PROPN
easat-1510	69	48	al	al	PROPN
easat-1510	69	49	.	.	PROPN
easat-1510	69	50	,	,	PUNCT
easat-1510	69	51	2016	2016	NUM
easat-1510	69	52	;	;	PUNCT
easat-1510	69	53	shaw	shaw	PROPN
easat-1510	69	54	&	&	CCONJ
easat-1510	69	55	sergueeva	sergueeva	PROPN
easat-1510	69	56	,	,	PUNCT
easat-1510	69	57	2019	2019	NUM
easat-1510	69	58	)	)	PUNCT
easat-1510	69	59	,	,	PUNCT
easat-1510	69	60	and	and	CCONJ
easat-1510	69	61	the	the	DET
easat-1510	69	62	tool	tool	NOUN
easat-1510	69	63	of	of	ADP
easat-1510	69	64	desire	desire	NOUN
easat-1510	69	65	(	(	PUNCT
easat-1510	69	66	akhtar	akhtar	PROPN
easat-1510	69	67	et	et	PROPN
easat-1510	69	68	al	al	PROPN
easat-1510	69	69	.	.	PROPN
easat-1510	69	70	,	,	PUNCT
easat-1510	69	71	2019	2019	NUM
easat-1510	69	72	)	)	PUNCT
easat-1510	69	73	.	.	PUNCT
easat-1510	70	1	mugni	mugni	PROPN
easat-1510	70	2	&	&	CCONJ
easat-1510	70	3	rikumahu	rikumahu	PROPN
easat-1510	70	4	(	(	PUNCT
easat-1510	70	5	2019	2019	NUM
easat-1510	70	6	)	)	PUNCT
easat-1510	70	7	show	show	VERB
easat-1510	70	8	that	that	SCONJ
easat-1510	70	9	performance	performance	NOUN
easat-1510	70	10	expectancy	expectancy	NOUN
easat-1510	70	11	positively	positively	ADV
easat-1510	70	12	affects	affect	VERB
easat-1510	70	13	actional	actional	ADJ
easat-1510	70	14	desire	desire	NOUN
easat-1510	70	15	to	to	PART
easat-1510	70	16	use	use	VERB
easat-1510	70	17	e	e	NOUN
easat-1510	70	18	-	-	NOUN
easat-1510	70	19	money	money	NOUN
easat-1510	70	20	in	in	ADP
easat-1510	70	21	bandung	bandung	PROPN
easat-1510	70	22	,	,	PUNCT
easat-1510	70	23	indonesia	indonesia	PROPN
easat-1510	70	24	.	.	PROPN
easat-1510	71	1	intarot	intarot	PROPN
easat-1510	71	2	(	(	PUNCT
easat-1510	71	3	2018	2018	NUM
easat-1510	71	4	)	)	PUNCT
easat-1510	71	5	and	and	CCONJ
easat-1510	71	6	acharya	acharya	PROPN
easat-1510	71	7	et	et	PROPN
easat-1510	71	8	al	al	PROPN
easat-1510	71	9	(	(	PUNCT
easat-1510	71	10	2019	2019	NUM
easat-1510	71	11	)	)	PUNCT
easat-1510	71	12	india	india	PROPN
easat-1510	71	13	and	and	CCONJ
easat-1510	71	14	thailand	thailand	PROPN
easat-1510	71	15	also	also	ADV
easat-1510	71	16	use	use	VERB
easat-1510	71	17	this	this	PRON
easat-1510	71	18	.	.	PUNCT
easat-1510	72	1	thus	thus	ADV
easat-1510	72	2	,	,	PUNCT
easat-1510	72	3	the	the	DET
easat-1510	72	4	following	follow	VERB
easat-1510	72	5	is	be	AUX
easat-1510	72	6	hypothesized	hypothesize	VERB
easat-1510	72	7	:	:	PUNCT
easat-1510	72	8	2.3	2.3	NUM
easat-1510	72	9	.	.	PUNCT
easat-1510	72	10	effort	effort	NOUN
easat-1510	72	11	expectancy	expectancy	NOUN
easat-1510	72	12	(	(	PUNCT
easat-1510	72	13	ee	ee	NOUN
easat-1510	72	14	)	)	PUNCT
easat-1510	72	15	effort	effort	NOUN
easat-1510	72	16	expectancy	expectancy	NOUN
easat-1510	72	17	denotes	denote	VERB
easat-1510	72	18	the	the	DET
easat-1510	72	19	“	"	PUNCT
easat-1510	72	20	perceived	perceive	VERB
easat-1510	72	21	ease	ease	NOUN
easat-1510	72	22	of	of	ADP
easat-1510	72	23	use	use	NOUN
easat-1510	72	24	”	"	PUNCT
easat-1510	72	25	(	(	PUNCT
easat-1510	72	26	venkatesh	venkatesh	PROPN
easat-1510	72	27	et	et	PROPN
easat-1510	72	28	al	al	PROPN
easat-1510	72	29	.	.	PROPN
easat-1510	72	30	,	,	PUNCT
easat-1510	72	31	2003	2003	NUM
easat-1510	72	32	)	)	PUNCT
easat-1510	72	33	.	.	PUNCT
easat-1510	73	1	when	when	SCONJ
easat-1510	73	2	consumers	consumer	NOUN
easat-1510	73	3	do	do	AUX
easat-1510	73	4	not	not	PART
easat-1510	73	5	perceive	perceive	VERB
easat-1510	73	6	that	that	SCONJ
easat-1510	73	7	using	use	VERB
easat-1510	73	8	the	the	DET
easat-1510	73	9	application	application	NOUN
easat-1510	73	10	will	will	AUX
easat-1510	73	11	require	require	VERB
easat-1510	73	12	any	any	DET
easat-1510	73	13	excess	excess	ADJ
easat-1510	73	14	effort	effort	NOUN
easat-1510	73	15	on	on	ADP
easat-1510	73	16	their	their	PRON
easat-1510	73	17	part	part	NOUN
easat-1510	73	18	,	,	PUNCT
easat-1510	73	19	they	they	PRON
easat-1510	73	20	will	will	AUX
easat-1510	73	21	intend	intend	VERB
easat-1510	73	22	to	to	PART
easat-1510	73	23	use	use	VERB
easat-1510	73	24	it	it	PRON
easat-1510	73	25	,	,	PUNCT
easat-1510	73	26	mainly	mainly	ADV
easat-1510	73	27	for	for	ADP
easat-1510	73	28	digital	digital	ADJ
easat-1510	73	29	financial	financial	ADJ
easat-1510	73	30	applications	application	NOUN
easat-1510	73	31	.	.	PUNCT
easat-1510	74	1	mizal	mizal	NOUN
easat-1510	74	2	and	and	CCONJ
easat-1510	74	3	wijayangka	wijayangka	NOUN
easat-1510	74	4	(	(	PUNCT
easat-1510	74	5	2020	2020	NUM
easat-1510	74	6	)	)	PUNCT
easat-1510	74	7	,	,	PUNCT
easat-1510	74	8	in	in	ADP
easat-1510	74	9	the	the	DET
easat-1510	74	10	context	context	NOUN
easat-1510	74	11	of	of	ADP
easat-1510	74	12	their	their	PRON
easat-1510	74	13	study	study	NOUN
easat-1510	74	14	,	,	PUNCT
easat-1510	74	15	identify	identify	VERB
easat-1510	74	16	ease	ease	NOUN
easat-1510	74	17	of	of	ADP
easat-1510	74	18	application	application	NOUN
easat-1510	74	19	as	as	ADP
easat-1510	74	20	the	the	DET
easat-1510	74	21	decision	decision	NOUN
easat-1510	74	22	to	to	PART
easat-1510	74	23	adopt	adopt	VERB
easat-1510	74	24	fintech	fintech	NOUN
easat-1510	74	25	as	as	ADP
easat-1510	74	26	a	a	DET
easat-1510	74	27	business	business	NOUN
easat-1510	74	28	transaction	transaction	NOUN
easat-1510	74	29	tool	tool	NOUN
easat-1510	74	30	for	for	ADP
easat-1510	74	31	.	.	PUNCT
easat-1510	75	1	meanwhile	meanwhile	ADV
easat-1510	75	2	,	,	PUNCT
easat-1510	75	3	from	from	ADP
easat-1510	75	4	the	the	DET
easat-1510	75	5	perspective	perspective	NOUN
easat-1510	75	6	of	of	ADP
easat-1510	75	7	application	application	NOUN
easat-1510	75	8	-	-	PUNCT
easat-1510	75	9	literate	literate	ADJ
easat-1510	75	10	consumers	consumer	NOUN
easat-1510	75	11	,	,	PUNCT
easat-1510	75	12	the	the	DET
easat-1510	75	13	choice	choice	NOUN
easat-1510	75	14	of	of	ADP
easat-1510	75	15	application	application	NOUN
easat-1510	75	16	is	be	AUX
easat-1510	75	17	determined	determine	VERB
easat-1510	75	18	by	by	ADP
easat-1510	75	19	the	the	DET
easat-1510	75	20	novelty	novelty	NOUN
easat-1510	75	21	of	of	ADP
easat-1510	75	22	the	the	DET
easat-1510	75	23	system	system	NOUN
easat-1510	75	24	and	and	CCONJ
easat-1510	75	25	the	the	DET
easat-1510	75	26	advantages	advantage	NOUN
easat-1510	75	27	of	of	ADP
easat-1510	75	28	the	the	DET
easat-1510	75	29	convenience	convenience	NOUN
easat-1510	75	30	offered	offer	VERB
easat-1510	75	31	.	.	PUNCT
easat-1510	76	1	interest	interest	NOUN
easat-1510	76	2	in	in	ADP
easat-1510	76	3	adoption	adoption	NOUN
easat-1510	76	4	will	will	AUX
easat-1510	76	5	increase	increase	VERB
easat-1510	76	6	if	if	SCONJ
easat-1510	76	7	these	these	DET
easat-1510	76	8	two	two	NUM
easat-1510	76	9	conditions	condition	NOUN
easat-1510	76	10	are	be	AUX
easat-1510	76	11	met	meet	VERB
easat-1510	76	12	(	(	PUNCT
easat-1510	76	13	chang	chang	PROPN
easat-1510	76	14	2012	2012	NUM
easat-1510	76	15	)	)	PUNCT
easat-1510	76	16	.	.	PUNCT
easat-1510	77	1	utaut	utaut	PROPN
easat-1510	77	2	has	have	AUX
easat-1510	77	3	been	be	AUX
easat-1510	77	4	used	use	VERB
easat-1510	77	5	to	to	PART
easat-1510	77	6	study	study	VERB
easat-1510	77	7	the	the	DET
easat-1510	77	8	subeffort	subeffort	NOUN
easat-1510	77	9	expectancy	expectancy	NOUN
easat-1510	77	10	theory	theory	NOUN
easat-1510	77	11	in	in	ADP
easat-1510	77	12	research	research	NOUN
easat-1510	77	13	on	on	ADP
easat-1510	77	14	digital	digital	ADJ
easat-1510	77	15	banking	banking	NOUN
easat-1510	77	16	services	service	NOUN
easat-1510	77	17	and	and	CCONJ
easat-1510	77	18	fintech	fintech	NOUN
easat-1510	77	19	payment	payment	NOUN
easat-1510	77	20	applications	application	NOUN
easat-1510	77	21	(	(	PUNCT
easat-1510	77	22	yan	yan	PROPN
easat-1510	77	23	et	et	PROPN
easat-1510	77	24	al	al	PROPN
easat-1510	77	25	.	.	PROPN
easat-1510	77	26	2021	2021	NUM
easat-1510	77	27	)	)	PUNCT
easat-1510	77	28	.	.	PUNCT
easat-1510	78	1	subsequently	subsequently	ADV
easat-1510	78	2	,	,	PUNCT
easat-1510	78	3	effort	effort	NOUN
easat-1510	78	4	expectancy	expectancy	NOUN
easat-1510	78	5	has	have	VERB
easat-1510	78	6	a	a	DET
easat-1510	78	7	strong	strong	ADJ
easat-1510	78	8	predictor	predictor	NOUN
easat-1510	78	9	of	of	ADP
easat-1510	78	10	actional	actional	ADJ
easat-1510	78	11	desires	desire	NOUN
easat-1510	78	12	(	(	PUNCT
easat-1510	78	13	louho	louho	PROPN
easat-1510	78	14	&	&	CCONJ
easat-1510	78	15	kallioja	kallioja	PROPN
easat-1510	78	16	,	,	PUNCT
easat-1510	78	17	2006	2006	NUM
easat-1510	78	18	;	;	PUNCT
easat-1510	78	19	thaker	thaker	NOUN
easat-1510	78	20	et	et	PROPN
easat-1510	78	21	al	al	PROPN
easat-1510	78	22	.	.	PROPN
easat-1510	78	23	,	,	PUNCT
easat-1510	78	24	2019	2019	NUM
easat-1510	78	25	)	)	PUNCT
easat-1510	78	26	.	.	PUNCT
easat-1510	79	1	thus	thus	ADV
easat-1510	79	2	,	,	PUNCT
easat-1510	79	3	the	the	DET
easat-1510	79	4	following	follow	VERB
easat-1510	79	5	is	be	AUX
easat-1510	79	6	hypothesized	hypothesize	VERB
easat-1510	79	7	:	:	PUNCT
easat-1510	79	8	2.4	2.4	NUM
easat-1510	79	9	.	.	PUNCT
easat-1510	79	10	social	social	ADJ
easat-1510	79	11	influence	influence	NOUN
easat-1510	79	12	(	(	PUNCT
easat-1510	79	13	si	si	NOUN
easat-1510	79	14	)	)	PUNCT
easat-1510	79	15	social	social	ADJ
easat-1510	79	16	influence	influence	NOUN
easat-1510	79	17	means	mean	VERB
easat-1510	79	18	as	as	ADP
easat-1510	79	19	the	the	DET
easat-1510	79	20	extent	extent	NOUN
easat-1510	79	21	that	that	SCONJ
easat-1510	79	22	the	the	DET
easat-1510	79	23	social	social	ADJ
easat-1510	79	24	environment	environment	NOUN
easat-1510	79	25	influences	influence	VERB
easat-1510	79	26	a	a	DET
easat-1510	79	27	person	person	NOUN
easat-1510	79	28	's	's	PART
easat-1510	79	29	acceptance	acceptance	NOUN
easat-1510	79	30	of	of	ADP
easat-1510	79	31	application	application	NOUN
easat-1510	79	32	(	(	PUNCT
easat-1510	79	33	sun	sun	NOUN
easat-1510	79	34	et	et	PROPN
easat-1510	79	35	al	al	PROPN
easat-1510	79	36	.	.	PROPN
easat-1510	79	37	,	,	PUNCT
easat-1510	79	38	2013	2013	NUM
easat-1510	79	39	)	)	PUNCT
easat-1510	79	40	.	.	PUNCT
easat-1510	80	1	this	this	PRON
easat-1510	80	2	includes	include	VERB
easat-1510	80	3	that	that	SCONJ
easat-1510	80	4	they	they	PRON
easat-1510	80	5	should	should	AUX
easat-1510	80	6	modern	modern	ADJ
easat-1510	80	7	application	application	NOUN
easat-1510	80	8	(	(	PUNCT
easat-1510	80	9	venkatesh	venkatesh	PROPN
easat-1510	80	10	et	et	PROPN
easat-1510	80	11	al	al	PROPN
easat-1510	80	12	.	.	PROPN
easat-1510	80	13	,	,	PUNCT
easat-1510	80	14	2003	2003	NUM
easat-1510	80	15	)	)	PUNCT
easat-1510	80	16	.	.	PUNCT
easat-1510	81	1	in	in	ADP
easat-1510	81	2	the	the	DET
easat-1510	81	3	update	update	NOUN
easat-1510	81	4	of	of	ADP
easat-1510	81	5	utaut	utaut	PROPN
easat-1510	81	6	to	to	ADP
easat-1510	81	7	utaut	utaut	PROPN
easat-1510	81	8	2	2	NUM
easat-1510	81	9	,	,	PUNCT
easat-1510	81	10	which	which	PRON
easat-1510	81	11	focuses	focus	VERB
easat-1510	81	12	on	on	ADP
easat-1510	81	13	voluntary	voluntary	ADJ
easat-1510	81	14	use	use	NOUN
easat-1510	81	15	,	,	PUNCT
easat-1510	81	16	social	social	ADJ
easat-1510	81	17	influence	influence	NOUN
easat-1510	81	18	remains	remain	VERB
easat-1510	81	19	one	one	NUM
easat-1510	81	20	of	of	ADP
easat-1510	81	21	the	the	DET
easat-1510	81	22	main	main	ADJ
easat-1510	81	23	elements	element	NOUN
easat-1510	81	24	(	(	PUNCT
easat-1510	81	25	venkatesh	venkatesh	PROPN
easat-1510	81	26	et	et	PROPN
easat-1510	81	27	al	al	PROPN
easat-1510	81	28	.	.	PROPN
easat-1510	81	29	,	,	PUNCT
easat-1510	81	30	2012	2012	NUM
easat-1510	81	31	)	)	PUNCT
easat-1510	81	32	.	.	PUNCT
easat-1510	82	1	recent	recent	ADJ
easat-1510	82	2	research	research	NOUN
easat-1510	82	3	confirms	confirm	VERB
easat-1510	82	4	that	that	SCONJ
easat-1510	82	5	social	social	ADJ
easat-1510	82	6	influence	influence	NOUN
easat-1510	82	7	has	have	VERB
easat-1510	82	8	an	an	DET
easat-1510	82	9	important	important	ADJ
easat-1510	82	10	role	role	NOUN
easat-1510	82	11	of	of	ADP
easat-1510	82	12	new	new	ADJ
easat-1510	82	13	application	application	NOUN
easat-1510	82	14	(	(	PUNCT
easat-1510	82	15	baudier	baudier	NOUN
easat-1510	82	16	and	and	CCONJ
easat-1510	82	17	friends	friend	NOUN
easat-1510	82	18	,	,	PUNCT
easat-1510	82	19	2020	2020	NUM
easat-1510	82	20	;	;	PUNCT
easat-1510	82	21	cabrera	cabrera	NOUN
easat-1510	82	22	-	-	PUNCT
easat-1510	82	23	sánchez	sánchez	PROPN
easat-1510	82	24	and	and	CCONJ
easat-1510	82	25	friends	friend	NOUN
easat-1510	82	26	,	,	PUNCT
easat-1510	82	27	2021	2021	NUM
easat-1510	82	28	)	)	PUNCT
easat-1510	82	29	.	.	PUNCT
easat-1510	83	1	thus	thus	ADV
easat-1510	83	2	,	,	PUNCT
easat-1510	83	3	the	the	DET
easat-1510	83	4	following	follow	VERB
easat-1510	83	5	is	be	AUX
easat-1510	83	6	hypothesized	hypothesize	VERB
easat-1510	83	7	:	:	PUNCT
easat-1510	83	8	1336	1336	NUM
easat-1510	83	9	edelweiss	edelweiss	PROPN
easat-1510	83	10	applied	apply	VERB
easat-1510	83	11	science	science	NOUN
easat-1510	83	12	and	and	CCONJ
easat-1510	83	13	technology	technology	NOUN
easat-1510	83	14	issn	issn	PROPN
easat-1510	83	15	:	:	PUNCT
easat-1510	83	16	2576	2576	NUM
easat-1510	83	17	-	-	SYM
easat-1510	83	18	8484	8484	NUM
easat-1510	83	19	vol	vol	NOUN
easat-1510	83	20	.	.	PROPN
easat-1510	83	21	8	8	NUM
easat-1510	83	22	,	,	PUNCT
easat-1510	83	23	no	no	INTJ
easat-1510	83	24	.	.	NOUN
easat-1510	83	25	4	4	NUM
easat-1510	83	26	:	:	SYM
easat-1510	83	27	1333	1333	NUM
easat-1510	83	28	-	-	SYM
easat-1510	83	29	1346	1346	NUM
easat-1510	83	30	,	,	PUNCT
easat-1510	83	31	2024	2024	NUM
easat-1510	83	32	doi	doi	NOUN
easat-1510	83	33	:	:	PUNCT
easat-1510	83	34	10.55214/25768484.v8i4.1510	10.55214/25768484.v8i4.1510	NUM
easat-1510	83	35	©	©	ADP
easat-1510	83	36	2024	2024	NUM
easat-1510	83	37	by	by	ADP
easat-1510	83	38	the	the	DET
easat-1510	83	39	authors	author	NOUN
easat-1510	83	40	;	;	PUNCT
easat-1510	83	41	licensee	licensee	PROPN
easat-1510	83	42	learning	learning	NOUN
easat-1510	83	43	gate	gate	VERB
easat-1510	83	44	2.5	2.5	NUM
easat-1510	83	45	.	.	PUNCT
easat-1510	84	1	facilitating	facilitate	VERB
easat-1510	84	2	conditions	condition	NOUN
easat-1510	84	3	(	(	PUNCT
easat-1510	84	4	fc	fc	INTJ
easat-1510	84	5	)	)	PUNCT
easat-1510	84	6	facilitating	facilitate	VERB
easat-1510	84	7	conditions	condition	NOUN
easat-1510	84	8	is	be	AUX
easat-1510	84	9	consumer	consumer	NOUN
easat-1510	84	10	's	's	PART
easat-1510	84	11	view	view	NOUN
easat-1510	84	12	of	of	ADP
easat-1510	84	13	the	the	DET
easat-1510	84	14	availability	availability	NOUN
easat-1510	84	15	of	of	ADP
easat-1510	84	16	environment	environment	NOUN
easat-1510	84	17	and	and	CCONJ
easat-1510	84	18	sosial	sosial	NOUN
easat-1510	84	19	necessary	necessary	ADJ
easat-1510	84	20	to	to	PART
easat-1510	84	21	carry	carry	VERB
easat-1510	84	22	out	out	ADP
easat-1510	84	23	an	an	DET
easat-1510	84	24	action	action	NOUN
easat-1510	84	25	(	(	PUNCT
easat-1510	84	26	venkatesh	venkatesh	PROPN
easat-1510	84	27	et	et	PROPN
easat-1510	84	28	al	al	PROPN
easat-1510	84	29	.	.	PROPN
easat-1510	84	30	,	,	PUNCT
easat-1510	84	31	2012	2012	NUM
easat-1510	84	32	)	)	PUNCT
easat-1510	84	33	.	.	PUNCT
easat-1510	85	1	gupta	gupta	PROPN
easat-1510	85	2	,	,	PUNCT
easat-1510	85	3	dogra	dogra	PROPN
easat-1510	85	4	,	,	PUNCT
easat-1510	85	5	and	and	CCONJ
easat-1510	85	6	george	george	PROPN
easat-1510	85	7	(	(	PUNCT
easat-1510	85	8	2018	2018	NUM
easat-1510	85	9	)	)	PUNCT
easat-1510	85	10	explained	explain	VERB
easat-1510	85	11	that	that	SCONJ
easat-1510	85	12	an	an	DET
easat-1510	85	13	atmosphere	atmosphere	NOUN
easat-1510	85	14	that	that	PRON
easat-1510	85	15	can	can	AUX
easat-1510	85	16	influence	influence	VERB
easat-1510	85	17	all	all	DET
easat-1510	85	18	the	the	DET
easat-1510	85	19	benefits	benefit	NOUN
easat-1510	85	20	of	of	ADP
easat-1510	85	21	the	the	DET
easat-1510	85	22	resources	resource	NOUN
easat-1510	85	23	needed	need	VERB
easat-1510	85	24	,	,	PUNCT
easat-1510	85	25	especially	especially	ADV
easat-1510	85	26	modern	modern	ADJ
easat-1510	85	27	technological	technological	ADJ
easat-1510	85	28	sources	source	NOUN
easat-1510	85	29	.	.	PUNCT
easat-1510	86	1	wu	wu	PROPN
easat-1510	86	2	et	et	PROPN
easat-1510	86	3	al	al	PROPN
easat-1510	86	4	.	.	PROPN
easat-1510	86	5	(	(	PUNCT
easat-1510	86	6	2021	2021	NUM
easat-1510	86	7	)	)	PUNCT
easat-1510	86	8	prove	prove	VERB
easat-1510	86	9	that	that	SCONJ
easat-1510	86	10	facilitating	facilitate	VERB
easat-1510	86	11	conditions	condition	NOUN
easat-1510	86	12	have	have	AUX
easat-1510	86	13	been	be	AUX
easat-1510	86	14	focused	focus	VERB
easat-1510	86	15	in	in	ADP
easat-1510	86	16	korea	korea	PROPN
easat-1510	86	17	(	(	PUNCT
easat-1510	86	18	wu	wu	PROPN
easat-1510	86	19	et	et	PROPN
easat-1510	86	20	al	al	PROPN
easat-1510	86	21	.	.	PROPN
easat-1510	86	22	,	,	PUNCT
easat-1510	86	23	2021	2021	NUM
easat-1510	86	24	)	)	PUNCT
easat-1510	86	25	.	.	PUNCT
easat-1510	87	1	it	it	PRON
easat-1510	87	2	aligns	align	VERB
easat-1510	87	3	with	with	ADP
easat-1510	87	4	tusyanah	tusyanah	PROPN
easat-1510	87	5	et	et	PROPN
easat-1510	87	6	al	al	PROPN
easat-1510	87	7	.	.	PROPN
easat-1510	88	1	(	(	PUNCT
easat-1510	88	2	2021	2021	NUM
easat-1510	88	3	)	)	PUNCT
easat-1510	88	4	,	,	PUNCT
easat-1510	88	5	whose	whose	DET
easat-1510	88	6	research	research	NOUN
easat-1510	88	7	validates	validate	VERB
easat-1510	88	8	that	that	SCONJ
easat-1510	88	9	the	the	DET
easat-1510	88	10	positif	positif	PROPN
easat-1510	88	11	advance	advance	VERB
easat-1510	88	12	the	the	DET
easat-1510	88	13	choice	choice	NOUN
easat-1510	88	14	to	to	PART
easat-1510	88	15	use	use	VERB
easat-1510	88	16	electronic	electronic	ADJ
easat-1510	88	17	money	money	NOUN
easat-1510	88	18	(	(	PUNCT
easat-1510	88	19	tusyanah	tusyanah	PROPN
easat-1510	88	20	et	et	PROPN
easat-1510	88	21	al	al	PROPN
easat-1510	88	22	.	.	PROPN
easat-1510	88	23	,	,	PUNCT
easat-1510	88	24	2021	2021	NUM
easat-1510	88	25	)	)	PUNCT
easat-1510	88	26	.	.	PUNCT
easat-1510	89	1	in	in	ADP
easat-1510	89	2	addition	addition	NOUN
easat-1510	89	3	,	,	PUNCT
easat-1510	89	4	previous	previous	ADJ
easat-1510	89	5	scientific	scientific	ADJ
easat-1510	89	6	literature	literature	NOUN
easat-1510	89	7	has	have	AUX
easat-1510	89	8	discussed	discuss	VERB
easat-1510	89	9	many	many	ADJ
easat-1510	89	10	facilitating	facilitating	NOUN
easat-1510	89	11	conditions	condition	NOUN
easat-1510	89	12	in	in	ADP
easat-1510	89	13	encouraging	encourage	VERB
easat-1510	89	14	fintech	fintech	NOUN
easat-1510	89	15	adoption	adoption	NOUN
easat-1510	89	16	(	(	PUNCT
easat-1510	89	17	singh	singh	PROPN
easat-1510	89	18	et	et	PROPN
easat-1510	89	19	al	al	PROPN
easat-1510	89	20	.	.	PROPN
easat-1510	89	21	,	,	PUNCT
easat-1510	89	22	2020	2020	NUM
easat-1510	89	23	)	)	PUNCT
easat-1510	89	24	.	.	PUNCT
easat-1510	90	1	thus	thus	ADV
easat-1510	90	2	,	,	PUNCT
easat-1510	90	3	the	the	DET
easat-1510	90	4	following	follow	VERB
easat-1510	90	5	is	be	AUX
easat-1510	90	6	hypothesized	hypothesize	VERB
easat-1510	90	7	:	:	PUNCT
easat-1510	90	8	2.6	2.6	NUM
easat-1510	90	9	.	.	PUNCT
easat-1510	90	10	hedonic	hedonic	ADJ
easat-1510	90	11	motivation	motivation	NOUN
easat-1510	90	12	(	(	PUNCT
easat-1510	90	13	hm	hm	INTJ
easat-1510	90	14	)	)	PUNCT
easat-1510	90	15	hedonic	hedonic	ADJ
easat-1510	90	16	motivation	motivation	NOUN
easat-1510	90	17	reflects	reflect	VERB
easat-1510	90	18	the	the	DET
easat-1510	90	19	satisfaction	satisfaction	NOUN
easat-1510	90	20	that	that	PRON
easat-1510	90	21	arises	arise	VERB
easat-1510	90	22	from	from	ADP
easat-1510	90	23	the	the	DET
easat-1510	90	24	use	use	NOUN
easat-1510	90	25	of	of	ADP
easat-1510	90	26	modern	modern	ADJ
easat-1510	90	27	application	application	NOUN
easat-1510	90	28	to	to	PART
easat-1510	90	29	have	have	VERB
easat-1510	90	30	a	a	DET
easat-1510	90	31	crucial	crucial	ADJ
easat-1510	90	32	rule	rule	NOUN
easat-1510	90	33	of	of	ADP
easat-1510	90	34	application	application	NOUN
easat-1510	90	35	and	and	CCONJ
easat-1510	90	36	adoption	adoption	NOUN
easat-1510	90	37	(	(	PUNCT
easat-1510	90	38	brown	brown	PROPN
easat-1510	90	39	&	&	CCONJ
easat-1510	90	40	venkatesh	venkatesh	PROPN
easat-1510	90	41	,	,	PUNCT
easat-1510	90	42	2005	2005	NUM
easat-1510	90	43	)	)	PUNCT
easat-1510	90	44	.	.	PUNCT
easat-1510	91	1	in	in	ADP
easat-1510	91	2	the	the	DET
easat-1510	91	3	context	context	NOUN
easat-1510	91	4	of	of	ADP
easat-1510	91	5	this	this	DET
easat-1510	91	6	research	research	NOUN
easat-1510	91	7	,	,	PUNCT
easat-1510	91	8	hedonic	hedonic	ADJ
easat-1510	91	9	motivation	motivation	NOUN
easat-1510	91	10	is	be	AUX
easat-1510	91	11	interpreted	interpret	VERB
easat-1510	91	12	as	as	ADP
easat-1510	91	13	satisfaction	satisfaction	NOUN
easat-1510	91	14	that	that	PRON
easat-1510	91	15	arises	arise	VERB
easat-1510	91	16	from	from	ADP
easat-1510	91	17	utilizing	utilize	VERB
easat-1510	91	18	sharia	sharia	PROPN
easat-1510	91	19	fintech	fintech	NOUN
easat-1510	91	20	services	service	NOUN
easat-1510	91	21	.	.	PUNCT
easat-1510	92	1	according	accord	VERB
easat-1510	92	2	to	to	ADP
easat-1510	92	3	venkatesh	venkatesh	NOUN
easat-1510	92	4	and	and	CCONJ
easat-1510	92	5	colleagues	colleague	NOUN
easat-1510	92	6	(	(	PUNCT
easat-1510	92	7	2012	2012	NUM
easat-1510	92	8	)	)	PUNCT
easat-1510	92	9	,	,	PUNCT
easat-1510	92	10	hedonic	hedonic	ADJ
easat-1510	92	11	motivation	motivation	NOUN
easat-1510	92	12	has	have	VERB
easat-1510	92	13	important	important	ADJ
easat-1510	92	14	relevance	relevance	NOUN
easat-1510	92	15	in	in	ADP
easat-1510	92	16	determining	determine	VERB
easat-1510	92	17	usage	usage	NOUN
easat-1510	92	18	desires	desire	NOUN
easat-1510	92	19	and	and	CCONJ
easat-1510	92	20	action	action	NOUN
easat-1510	92	21	.	.	PUNCT
easat-1510	93	1	similar	similar	ADJ
easat-1510	93	2	findings	finding	NOUN
easat-1510	93	3	were	be	AUX
easat-1510	93	4	also	also	ADV
easat-1510	93	5	found	find	VERB
easat-1510	93	6	in	in	ADP
easat-1510	93	7	research	research	NOUN
easat-1510	93	8	by	by	ADP
easat-1510	93	9	putri	putri	PROPN
easat-1510	93	10	(	(	PUNCT
easat-1510	93	11	2018	2018	NUM
easat-1510	93	12	)	)	PUNCT
easat-1510	93	13	,	,	PUNCT
easat-1510	93	14	ariyanti	ariyanti	X
easat-1510	93	15	(	(	PUNCT
easat-1510	93	16	2017	2017	NUM
easat-1510	93	17	)	)	PUNCT
easat-1510	93	18	,	,	PUNCT
easat-1510	93	19	and	and	CCONJ
easat-1510	93	20	megadewandanu	megadewandanu	NOUN
easat-1510	93	21	and	and	CCONJ
easat-1510	93	22	friends	friend	NOUN
easat-1510	93	23	(	(	PUNCT
easat-1510	93	24	2017	2017	NUM
easat-1510	93	25	)	)	PUNCT
easat-1510	93	26	,	,	PUNCT
easat-1510	93	27	which	which	PRON
easat-1510	93	28	showed	show	VERB
easat-1510	93	29	that	that	SCONJ
easat-1510	93	30	hedonic	hedonic	ADJ
easat-1510	93	31	motivation	motivation	NOUN
easat-1510	93	32	had	have	VERB
easat-1510	93	33	a	a	DET
easat-1510	93	34	positive	positive	ADJ
easat-1510	93	35	impact	impact	NOUN
easat-1510	93	36	on	on	ADP
easat-1510	93	37	actional	actional	ADJ
easat-1510	93	38	desires	desire	NOUN
easat-1510	93	39	.	.	PUNCT
easat-1510	94	1	salimon	salimon	NOUN
easat-1510	94	2	,	,	PUNCT
easat-1510	94	3	yusoff	yusoff	NOUN
easat-1510	94	4	,	,	PUNCT
easat-1510	94	5	sanuri	sanuri	NOUN
easat-1510	94	6	,	,	PUNCT
easat-1510	94	7	and	and	CCONJ
easat-1510	94	8	mokhtar	mokhtar	NOUN
easat-1510	94	9	(	(	PUNCT
easat-1510	94	10	2017	2017	NUM
easat-1510	94	11	)	)	PUNCT
easat-1510	94	12	emphasized	emphasize	VERB
easat-1510	94	13	that	that	SCONJ
easat-1510	94	14	enjoyable	enjoyable	ADJ
easat-1510	94	15	and	and	CCONJ
easat-1510	94	16	satisfying	satisfy	VERB
easat-1510	94	17	experiences	experience	NOUN
easat-1510	94	18	intrinsically	intrinsically	ADV
easat-1510	94	19	motivate	motivate	VERB
easat-1510	94	20	users	user	NOUN
easat-1510	94	21	to	to	PART
easat-1510	94	22	continue	continue	VERB
easat-1510	94	23	using	use	VERB
easat-1510	94	24	application	application	NOUN
easat-1510	94	25	-	-	PUNCT
easat-1510	94	26	based	base	VERB
easat-1510	94	27	services	service	NOUN
easat-1510	94	28	.	.	PUNCT
easat-1510	95	1	thus	thus	ADV
easat-1510	95	2	,	,	PUNCT
easat-1510	95	3	the	the	DET
easat-1510	95	4	following	follow	VERB
easat-1510	95	5	is	be	AUX
easat-1510	95	6	hypothesized	hypothesize	VERB
easat-1510	95	7	:	:	PUNCT
easat-1510	95	8	2.7	2.7	NUM
easat-1510	95	9	.	.	PUNCT
easat-1510	95	10	price	price	NOUN
easat-1510	95	11	score	score	NOUN
easat-1510	95	12	(	(	PUNCT
easat-1510	95	13	pv	pv	NOUN
easat-1510	95	14	)	)	PUNCT
easat-1510	95	15	price	price	NOUN
easat-1510	95	16	score	score	NOUN
easat-1510	95	17	is	be	AUX
easat-1510	95	18	the	the	DET
easat-1510	95	19	score	score	NOUN
easat-1510	95	20	that	that	PRON
easat-1510	95	21	comes	come	VERB
easat-1510	95	22	from	from	ADP
easat-1510	95	23	benefits	benefit	NOUN
easat-1510	95	24	and	and	CCONJ
easat-1510	95	25	drawbacks	drawback	NOUN
easat-1510	95	26	(	(	PUNCT
easat-1510	95	27	ramdhani	ramdhani	X
easat-1510	95	28	,	,	PUNCT
easat-1510	95	29	rachmawati	rachmawati	NOUN
easat-1510	95	30	,	,	PUNCT
easat-1510	95	31	sidiq	sidiq	ADJ
easat-1510	95	32	,	,	PUNCT
easat-1510	95	33	&	&	CCONJ
easat-1510	95	34	prabowo	prabowo	NOUN
easat-1510	95	35	,	,	PUNCT
easat-1510	95	36	2017	2017	NUM
easat-1510	95	37	)	)	PUNCT
easat-1510	95	38	.	.	PUNCT
easat-1510	96	1	application	application	NOUN
easat-1510	96	2	is	be	AUX
easat-1510	96	3	successful	successful	ADJ
easat-1510	96	4	when	when	SCONJ
easat-1510	96	5	the	the	DET
easat-1510	96	6	benefits	benefit	NOUN
easat-1510	96	7	obtained	obtain	VERB
easat-1510	96	8	are	be	AUX
easat-1510	96	9	greater	great	ADJ
easat-1510	96	10	(	(	PUNCT
easat-1510	96	11	venkatesh	venkatesh	PROPN
easat-1510	96	12	et	et	PROPN
easat-1510	96	13	al	al	PROPN
easat-1510	96	14	.	.	PROPN
easat-1510	96	15	,	,	PUNCT
easat-1510	96	16	2012	2012	NUM
easat-1510	96	17	)	)	PUNCT
easat-1510	96	18	.	.	PUNCT
easat-1510	97	1	in	in	ADP
easat-1510	97	2	the	the	DET
easat-1510	97	3	framework	framework	NOUN
easat-1510	97	4	of	of	ADP
easat-1510	97	5	this	this	DET
easat-1510	97	6	research	research	NOUN
easat-1510	97	7	,	,	PUNCT
easat-1510	97	8	price	price	NOUN
easat-1510	97	9	score	score	NOUN
easat-1510	97	10	is	be	AUX
easat-1510	97	11	defined	define	VERB
easat-1510	97	12	as	as	ADP
easat-1510	97	13	the	the	DET
easat-1510	97	14	amount	amount	NOUN
easat-1510	97	15	of	of	ADP
easat-1510	97	16	price	price	NOUN
easat-1510	97	17	used	use	VERB
easat-1510	97	18	in	in	ADP
easat-1510	97	19	islamic	islamic	ADJ
easat-1510	97	20	financial	financial	ADJ
easat-1510	97	21	application	application	NOUN
easat-1510	97	22	in	in	ADP
easat-1510	97	23	order	order	NOUN
easat-1510	97	24	to	to	PART
easat-1510	97	25	obtain	obtain	VERB
easat-1510	97	26	financing	financing	NOUN
easat-1510	97	27	.	.	PUNCT
easat-1510	98	1	findings	finding	NOUN
easat-1510	98	2	from	from	ADP
easat-1510	98	3	research	research	NOUN
easat-1510	98	4	by	by	ADP
easat-1510	98	5	manaf	manaf	PROPN
easat-1510	98	6	&	&	CCONJ
easat-1510	98	7	ariyanti	ariyanti	X
easat-1510	98	8	(	(	PUNCT
easat-1510	98	9	2017	2017	NUM
easat-1510	98	10	)	)	PUNCT
easat-1510	98	11	,	,	PUNCT
easat-1510	98	12	santosa	santosa	PROPN
easat-1510	98	13	and	and	CCONJ
easat-1510	98	14	friends	friend	NOUN
easat-1510	98	15	(	(	PUNCT
easat-1510	98	16	2021	2021	NUM
easat-1510	98	17	)	)	PUNCT
easat-1510	98	18	,	,	PUNCT
easat-1510	98	19	and	and	CCONJ
easat-1510	98	20	baabdullah	baabdullah	NOUN
easat-1510	98	21	and	and	CCONJ
easat-1510	98	22	friends	friend	NOUN
easat-1510	98	23	(	(	PUNCT
easat-1510	98	24	2019	2019	NUM
easat-1510	98	25	)	)	PUNCT
easat-1510	98	26	state	state	NOUN
easat-1510	98	27	that	that	PRON
easat-1510	98	28	cost	cost	NOUN
easat-1510	98	29	has	have	VERB
easat-1510	98	30	advance	advance	NOUN
easat-1510	98	31	on	on	ADP
easat-1510	98	32	actional	actional	ADJ
easat-1510	98	33	desires	desire	NOUN
easat-1510	98	34	to	to	PART
easat-1510	98	35	use	use	VERB
easat-1510	98	36	mobile	mobile	ADJ
easat-1510	98	37	payments	payment	NOUN
easat-1510	98	38	.	.	PUNCT
easat-1510	99	1	thus	thus	ADV
easat-1510	99	2	,	,	PUNCT
easat-1510	99	3	the	the	DET
easat-1510	99	4	following	follow	VERB
easat-1510	99	5	is	be	AUX
easat-1510	99	6	hypothesized	hypothesize	VERB
easat-1510	99	7	:	:	PUNCT
easat-1510	100	1	2.8	2.8	NUM
easat-1510	100	2	.	.	PUNCT
easat-1510	100	3	habit	habit	NOUN
easat-1510	100	4	(	(	PUNCT
easat-1510	100	5	ha	ha	INTJ
easat-1510	100	6	)	)	PUNCT
easat-1510	100	7	habits	habit	NOUN
easat-1510	100	8	involve	involve	VERB
easat-1510	100	9	aspect	aspect	NOUN
easat-1510	100	10	that	that	PRON
easat-1510	100	11	is	be	AUX
easat-1510	100	12	important	important	ADJ
easat-1510	100	13	into	into	ADP
easat-1510	100	14	account	account	NOUN
easat-1510	100	15	in	in	ADP
easat-1510	100	16	influencing	influence	VERB
easat-1510	100	17	actional	actional	ADJ
easat-1510	100	18	desires	desire	NOUN
easat-1510	100	19	(	(	PUNCT
easat-1510	100	20	cabrerasánchez	cabrerasánchez	NOUN
easat-1510	100	21	et	et	PROPN
easat-1510	100	22	al	al	PROPN
easat-1510	100	23	.	.	PROPN
easat-1510	100	24	,	,	PUNCT
easat-1510	100	25	2021	2021	NUM
easat-1510	100	26	;	;	PUNCT
easat-1510	100	27	limayem	limayem	PROPN
easat-1510	100	28	et	et	PROPN
easat-1510	100	29	al	al	PROPN
easat-1510	100	30	.	.	PROPN
easat-1510	100	31	,	,	PUNCT
easat-1510	100	32	2007	2007	NUM
easat-1510	100	33	)	)	PUNCT
easat-1510	100	34	.	.	PUNCT
easat-1510	101	1	directly	directly	ADV
easat-1510	101	2	,	,	PUNCT
easat-1510	101	3	habits	habit	VERB
easat-1510	101	4	influence	influence	VERB
easat-1510	101	5	both	both	PRON
easat-1510	101	6	actional	actional	ADJ
easat-1510	101	7	desires	desire	NOUN
easat-1510	101	8	and	and	CCONJ
easat-1510	101	9	usage	usage	NOUN
easat-1510	101	10	action	action	NOUN
easat-1510	101	11	(	(	PUNCT
easat-1510	101	12	venkatesh	venkatesh	PROPN
easat-1510	101	13	et	et	PROPN
easat-1510	101	14	al	al	PROPN
easat-1510	101	15	.	.	PROPN
easat-1510	101	16	,	,	PUNCT
easat-1510	101	17	2012	2012	NUM
easat-1510	101	18	)	)	PUNCT
easat-1510	101	19	.	.	PUNCT
easat-1510	102	1	consumers	consumer	NOUN
easat-1510	102	2	'	'	PART
easat-1510	102	3	actional	actional	ADJ
easat-1510	102	4	desires	desire	NOUN
easat-1510	102	5	to	to	PART
easat-1510	102	6	use	use	VERB
easat-1510	102	7	application	application	NOUN
easat-1510	102	8	have	have	AUX
easat-1510	102	9	been	be	AUX
easat-1510	102	10	anticipated	anticipate	VERB
easat-1510	102	11	in	in	ADP
easat-1510	102	12	various	various	ADJ
easat-1510	102	13	studies	study	NOUN
easat-1510	102	14	that	that	PRON
easat-1510	102	15	use	use	VERB
easat-1510	102	16	habits	habit	NOUN
easat-1510	102	17	as	as	ADP
easat-1510	102	18	a	a	DET
easat-1510	102	19	determining	determine	VERB
easat-1510	102	20	factor	factor	NOUN
easat-1510	102	21	(	(	PUNCT
easat-1510	102	22	venkatesh	venkatesh	PROPN
easat-1510	102	23	et	et	PROPN
easat-1510	102	24	al	al	PROPN
easat-1510	102	25	.	.	PROPN
easat-1510	102	26	,	,	PUNCT
easat-1510	102	27	2012	2012	NUM
easat-1510	102	28	;	;	PUNCT
easat-1510	102	29	yen	yen	PROPN
easat-1510	102	30	&	&	CCONJ
easat-1510	102	31	wu	wu	PROPN
easat-1510	102	32	,	,	PUNCT
easat-1510	102	33	2016	2016	NUM
easat-1510	102	34	;	;	PUNCT
easat-1510	102	35	wang	wang	PROPN
easat-1510	102	36	et	et	PROPN
easat-1510	102	37	al	al	PROPN
easat-1510	102	38	.	.	PROPN
easat-1510	102	39	,	,	PUNCT
easat-1510	102	40	2015	2015	NUM
easat-1510	102	41	)	)	PUNCT
easat-1510	102	42	.	.	PUNCT
easat-1510	103	1	additionally	additionally	ADV
easat-1510	103	2	,	,	PUNCT
easat-1510	103	3	tool	tool	NOUN
easat-1510	103	4	was	be	AUX
easat-1510	103	5	used	use	VERB
easat-1510	103	6	by	by	ADP
easat-1510	103	7	providing	provide	VERB
easat-1510	103	8	sophisticated	sophisticated	ADJ
easat-1510	103	9	and	and	CCONJ
easat-1510	103	10	modern	modern	ADJ
easat-1510	103	11	range	range	NOUN
easat-1510	103	12	,	,	PUNCT
easat-1510	103	13	repetitive	repetitive	ADJ
easat-1510	103	14	“	"	PUNCT
easat-1510	103	15	checking	checking	ADJ
easat-1510	103	16	action	action	NOUN
easat-1510	103	17	”	"	PUNCT
easat-1510	103	18	usage	usage	NOUN
easat-1510	103	19	sessions	session	NOUN
easat-1510	103	20	(	(	PUNCT
easat-1510	103	21	merhi	merhi	PROPN
easat-1510	103	22	et	et	PROPN
easat-1510	103	23	al	al	PROPN
easat-1510	103	24	.	.	PROPN
easat-1510	103	25	,	,	PUNCT
easat-1510	103	26	2019	2019	NUM
easat-1510	103	27	)	)	PUNCT
easat-1510	103	28	.	.	PUNCT
easat-1510	104	1	research	research	NOUN
easat-1510	104	2	also	also	ADV
easat-1510	104	3	shows	show	VERB
easat-1510	104	4	that	that	SCONJ
easat-1510	104	5	habit	habit	NOUN
easat-1510	104	6	plays	play	VERB
easat-1510	104	7	a	a	DET
easat-1510	104	8	effect	effect	NOUN
easat-1510	104	9	moderating	moderate	VERB
easat-1510	104	10	factor	factor	NOUN
easat-1510	104	11	in	in	ADP
easat-1510	104	12	application	application	NOUN
easat-1510	104	13	adoption	adoption	NOUN
easat-1510	104	14	in	in	ADP
easat-1510	104	15	the	the	DET
easat-1510	104	16	uk	uk	PROPN
easat-1510	104	17	(	(	PUNCT
easat-1510	104	18	tarhini	tarhini	NOUN
easat-1510	104	19	et	et	PROPN
easat-1510	104	20	al	al	PROPN
easat-1510	104	21	.	.	PROPN
easat-1510	104	22	,	,	PUNCT
easat-1510	104	23	2016	2016	NUM
easat-1510	104	24	)	)	PUNCT
easat-1510	104	25	.	.	PUNCT
easat-1510	105	1	thus	thus	ADV
easat-1510	105	2	,	,	PUNCT
easat-1510	105	3	the	the	DET
easat-1510	105	4	following	follow	VERB
easat-1510	105	5	is	be	AUX
easat-1510	105	6	hypothesized	hypothesize	VERB
easat-1510	105	7	:	:	PUNCT
easat-1510	105	8	the	the	DET
easat-1510	105	9	utaut	utaut	NOUN
easat-1510	105	10	mentioned	mention	VERB
easat-1510	105	11	age	age	NOUN
easat-1510	105	12	,	,	PUNCT
easat-1510	105	13	gender	gender	NOUN
easat-1510	105	14	,	,	PUNCT
easat-1510	105	15	and	and	CCONJ
easat-1510	105	16	experience	experience	NOUN
easat-1510	105	17	as	as	ADP
easat-1510	105	18	their	their	PRON
easat-1510	105	19	hyphothesis	hyphothesis	NOUN
easat-1510	105	20	.	.	PUNCT
easat-1510	106	1	these	these	DET
easat-1510	106	2	variables	variable	NOUN
easat-1510	106	3	also	also	ADV
easat-1510	106	4	has	have	AUX
easat-1510	106	5	been	be	AUX
easat-1510	106	6	leveraged	leverage	VERB
easat-1510	106	7	to	to	PART
easat-1510	106	8	moderate	moderate	VERB
easat-1510	106	9	the	the	DET
easat-1510	106	10	invention	invention	NOUN
easat-1510	106	11	for	for	ADP
easat-1510	106	12	new	new	ADJ
easat-1510	106	13	application	application	NOUN
easat-1510	106	14	adoption	adoption	NOUN
easat-1510	106	15	in	in	ADP
easat-1510	106	16	several	several	ADJ
easat-1510	106	17	studies	study	NOUN
easat-1510	106	18	(	(	PUNCT
easat-1510	106	19	agarwa	agarwa	PROPN
easat-1510	106	20	,	,	PUNCT
easat-1510	106	21	et	et	PROPN
easat-1510	106	22	al	al	PROPN
easat-1510	106	23	.	.	PROPN
easat-1510	106	24	2000	2000	NUM
easat-1510	106	25	;	;	PUNCT
easat-1510	106	26	abushanab	abushanab	VERB
easat-1510	106	27	and	and	CCONJ
easat-1510	106	28	pearson	pearson	PROPN
easat-1510	106	29	,	,	PUNCT
easat-1510	106	30	2007	2007	NUM
easat-1510	106	31	;	;	PUNCT
easat-1510	106	32	venkatesh	venkatesh	NOUN
easat-1510	106	33	,	,	PUNCT
easat-1510	106	34	thong	thong	NOUN
easat-1510	106	35	and	and	CCONJ
easat-1510	106	36	xu	xu	INTJ
easat-1510	106	37	,	,	PUNCT
easat-1510	106	38	2016	2016	NUM
easat-1510	106	39	;	;	PUNCT
easat-1510	106	40	singh	singh	PROPN
easat-1510	106	41	,	,	PUNCT
easat-1510	106	42	srivastava	srivastava	PROPN
easat-1510	106	43	and	and	CCONJ
easat-1510	106	44	sinha	sinha	NOUN
easat-1510	106	45	,	,	PUNCT
easat-1510	106	46	2017	2017	NUM
easat-1510	106	47	;	;	PUNCT
easat-1510	106	48	moorthy	moorthy	PROPN
easat-1510	106	49	et	et	PROPN
easat-1510	106	50	al	al	PROPN
easat-1510	106	51	.	.	PROPN
easat-1510	106	52	,	,	PUNCT
easat-1510	106	53	2019	2019	NUM
easat-1510	106	54	)	)	PUNCT
easat-1510	106	55	.	.	PUNCT
easat-1510	107	1	2.9	2.9	NUM
easat-1510	107	2	.	.	PUNCT
easat-1510	108	1	es	es	VERB
easat-1510	108	2	-	-	PUNCT
easat-1510	108	3	qual	qual	ADJ
easat-1510	108	4	service	service	NOUN
easat-1510	108	5	quality	quality	NOUN
easat-1510	108	6	is	be	AUX
easat-1510	108	7	factors	factor	NOUN
easat-1510	108	8	involved	involve	VERB
easat-1510	108	9	customer	customer	NOUN
easat-1510	108	10	decision	decision	NOUN
easat-1510	108	11	to	to	PART
easat-1510	108	12	use	use	VERB
easat-1510	108	13	financial	financial	ADJ
easat-1510	108	14	institution	institution	NOUN
easat-1510	108	15	in	in	ADP
easat-1510	108	16	a	a	DET
easat-1510	108	17	muslim	muslim	ADJ
easat-1510	108	18	country	country	NOUN
easat-1510	108	19	(	(	PUNCT
easat-1510	108	20	haque	haque	PROPN
easat-1510	108	21	et	et	PROPN
easat-1510	108	22	al	al	PROPN
easat-1510	108	23	.	.	PROPN
easat-1510	108	24	,	,	PUNCT
easat-1510	108	25	2009	2009	NUM
easat-1510	108	26	;	;	PUNCT
easat-1510	108	27	awan	awan	PROPN
easat-1510	108	28	&	&	CCONJ
easat-1510	108	29	bukhari	bukhari	PROPN
easat-1510	108	30	,	,	PUNCT
easat-1510	108	31	2011	2011	NUM
easat-1510	108	32	;	;	PUNCT
easat-1510	108	33	hamid	hamid	PROPN
easat-1510	108	34	&	&	CCONJ
easat-1510	108	35	masood	masood	PROPN
easat-1510	108	36	,	,	PUNCT
easat-1510	108	37	2011	2011	NUM
easat-1510	108	38	;	;	PUNCT
easat-1510	108	39	echchabi	echchabi	PROPN
easat-1510	108	40	&	&	CCONJ
easat-1510	108	41	olaniyi	olaniyi	NOUN
easat-1510	108	42	,	,	PUNCT
easat-1510	108	43	2012	2012	NUM
easat-1510	108	44	;	;	PUNCT
easat-1510	108	45	abdullrahim	abdullrahim	PROPN
easat-1510	108	46	&	&	CCONJ
easat-1510	108	47	robson	robson	PROPN
easat-1510	108	48	,	,	PUNCT
easat-1510	108	49	2017	2017	NUM
easat-1510	108	50	;	;	PUNCT
easat-1510	108	51	janahi	janahi	PROPN
easat-1510	108	52	&	&	CCONJ
easat-1510	108	53	al	al	PROPN
easat-1510	108	54	mubarak	mubarak	PROPN
easat-1510	108	55	,	,	PUNCT
easat-1510	108	56	2017	2017	NUM
easat-1510	108	57	;	;	PUNCT
easat-1510	108	58	ghosh	ghosh	PROPN
easat-1510	108	59	,	,	PUNCT
easat-1510	108	60	2018	2018	NUM
easat-1510	108	61	;	;	PUNCT
easat-1510	108	62	asnawi	asnawi	PROPN
easat-1510	108	63	et	et	PROPN
easat-1510	108	64	al	al	PROPN
easat-1510	108	65	.	.	PROPN
easat-1510	108	66	,	,	PUNCT
easat-1510	108	67	2019	2019	NUM
easat-1510	108	68	)	)	PUNCT
easat-1510	108	69	.	.	PUNCT
easat-1510	109	1	after	after	ADP
easat-1510	109	2	undergoing	undergo	VERB
easat-1510	109	3	enhance	enhance	NOUN
easat-1510	109	4	e	e	NOUN
easat-1510	109	5	-	-	ADJ
easat-1510	109	6	sq	sq	ADJ
easat-1510	109	7	scale	scale	NOUN
easat-1510	109	8	and	and	CCONJ
easat-1510	109	9	parasuraman	parasuraman	NOUN
easat-1510	109	10	his	his	PRON
easat-1510	109	11	colleagues	colleague	NOUN
easat-1510	109	12	designed	design	VERB
easat-1510	109	13	es	es	NOUN
easat-1510	109	14	-	-	PUNCT
easat-1510	109	15	qual	qual	NOUN
easat-1510	109	16	as	as	ADP
easat-1510	109	17	a	a	DET
easat-1510	109	18	tool	tool	NOUN
easat-1510	109	19	for	for	ADP
easat-1510	109	20	measuring	measure	VERB
easat-1510	109	21	e	e	NOUN
easat-1510	109	22	-	-	NOUN
easat-1510	109	23	core	core	ADJ
easat-1510	109	24	service	service	NOUN
easat-1510	109	25	quality	quality	NOUN
easat-1510	109	26	.	.	PUNCT
easat-1510	110	1	according	accord	VERB
easat-1510	110	2	to	to	ADP
easat-1510	110	3	the	the	DET
easat-1510	110	4	concept	concept	NOUN
easat-1510	110	5	of	of	ADP
easat-1510	110	6	parasuraman	parasuraman	NOUN
easat-1510	110	7	and	and	CCONJ
easat-1510	110	8	friends	friend	NOUN
easat-1510	110	9	(	(	PUNCT
easat-1510	110	10	2005	2005	NUM
easat-1510	110	11	)	)	PUNCT
easat-1510	110	12	,	,	PUNCT
easat-1510	110	13	service	service	NOUN
easat-1510	110	14	is	be	AUX
easat-1510	110	15	interpreted	interpret	VERB
easat-1510	110	16	holistically	holistically	ADV
easat-1510	110	17	because	because	SCONJ
easat-1510	110	18	it	it	PRON
easat-1510	110	19	is	be	AUX
easat-1510	110	20	before	before	ADP
easat-1510	110	21	and	and	CCONJ
easat-1510	110	22	after	after	ADP
easat-1510	110	23	action	action	NOUN
easat-1510	110	24	.	.	PUNCT
easat-1510	111	1	in	in	ADP
easat-1510	111	2	comparison	comparison	NOUN
easat-1510	111	3	with	with	ADP
easat-1510	111	4	other	other	ADJ
easat-1510	111	5	metrics	metric	NOUN
easat-1510	111	6	,	,	PUNCT
easat-1510	111	7	the	the	DET
easat-1510	111	8	e	e	NOUN
easat-1510	111	9	-	-	NOUN
easat-1510	111	10	squal	squal	NOUN
easat-1510	111	11	.	.	PUNCT
easat-1510	112	1	thoroughly	thoroughly	ADV
easat-1510	112	2	covers	cover	VERB
easat-1510	112	3	all	all	DET
easat-1510	112	4	stages	stage	NOUN
easat-1510	112	5	of	of	ADP
easat-1510	112	6	customer	customer	NOUN
easat-1510	112	7	interaction	interaction	NOUN
easat-1510	112	8	with	with	ADP
easat-1510	112	9	the	the	DET
easat-1510	112	10	website	website	NOUN
easat-1510	112	11	.	.	PUNCT
easat-1510	113	1	the	the	DET
easat-1510	113	2	initial	initial	ADJ
easat-1510	113	3	stage	stage	NOUN
easat-1510	113	4	of	of	ADP
easat-1510	113	5	the	the	DET
easat-1510	113	6	1337	1337	NUM
easat-1510	113	7	edelweiss	edelweiss	PROPN
easat-1510	113	8	applied	apply	VERB
easat-1510	113	9	science	science	NOUN
easat-1510	113	10	and	and	CCONJ
easat-1510	113	11	technology	technology	NOUN
easat-1510	113	12	issn	issn	PROPN
easat-1510	113	13	:	:	PUNCT
easat-1510	113	14	2576	2576	NUM
easat-1510	113	15	-	-	SYM
easat-1510	113	16	8484	8484	NUM
easat-1510	113	17	vol	vol	NOUN
easat-1510	113	18	.	.	PROPN
easat-1510	113	19	8	8	NUM
easat-1510	113	20	,	,	PUNCT
easat-1510	113	21	no	no	INTJ
easat-1510	113	22	.	.	NOUN
easat-1510	113	23	4	4	NUM
easat-1510	113	24	:	:	SYM
easat-1510	113	25	1333	1333	NUM
easat-1510	113	26	-	-	SYM
easat-1510	113	27	1346	1346	NUM
easat-1510	113	28	,	,	PUNCT
easat-1510	113	29	2024	2024	NUM
easat-1510	113	30	doi	doi	NOUN
easat-1510	113	31	:	:	PUNCT
easat-1510	113	32	10.55214/25768484.v8i4.1510	10.55214/25768484.v8i4.1510	NUM
easat-1510	113	33	©	©	ADP
easat-1510	113	34	2024	2024	NUM
easat-1510	113	35	by	by	ADP
easat-1510	113	36	the	the	DET
easat-1510	113	37	authors	author	NOUN
easat-1510	113	38	;	;	PUNCT
easat-1510	113	39	licensee	licensee	PROPN
easat-1510	113	40	learning	learn	VERB
easat-1510	113	41	gate	gate	NOUN
easat-1510	113	42	es	es	VERB
easat-1510	113	43	-	-	PUNCT
easat-1510	113	44	qual	qual	ADJ
easat-1510	113	45	scale	scale	NOUN
easat-1510	113	46	,	,	PUNCT
easat-1510	113	47	developed	develop	VERB
easat-1510	113	48	by	by	ADP
easat-1510	113	49	parasuraman	parasuraman	NOUN
easat-1510	113	50	,	,	PUNCT
easat-1510	113	51	consists	consist	VERB
easat-1510	113	52	of	of	ADP
easat-1510	113	53	22	22	NUM
easat-1510	113	54	items	item	NOUN
easat-1510	113	55	belonging	belong	VERB
easat-1510	113	56	to	to	ADP
easat-1510	113	57	four	four	NUM
easat-1510	113	58	main	main	ADJ
easat-1510	113	59	dimensions	dimension	NOUN
easat-1510	113	60	,	,	PUNCT
easat-1510	113	61	namely	namely	ADV
easat-1510	113	62	efficiency	efficiency	NOUN
easat-1510	113	63	,	,	PUNCT
easat-1510	113	64	and	and	CCONJ
easat-1510	113	65	compliance	compliance	NOUN
easat-1510	113	66	(	(	PUNCT
easat-1510	113	67	parasuraman	parasuraman	NOUN
easat-1510	113	68	et	et	PROPN
easat-1510	113	69	al	al	PROPN
easat-1510	113	70	.	.	PROPN
easat-1510	113	71	,	,	PUNCT
easat-1510	113	72	2005	2005	NUM
easat-1510	113	73	)	)	PUNCT
easat-1510	113	74	.	.	PUNCT
easat-1510	114	1	the	the	DET
easat-1510	114	2	es	es	ADJ
easat-1510	114	3	-	-	PUNCT
easat-1510	114	4	qual	qual	ADJ
easat-1510	114	5	dimension	dimension	NOUN
easat-1510	114	6	is	be	AUX
easat-1510	114	7	claimed	claim	VERB
easat-1510	114	8	to	to	PART
easat-1510	114	9	provide	provide	VERB
easat-1510	114	10	a	a	DET
easat-1510	114	11	more	more	ADV
easat-1510	114	12	comprehensive	comprehensive	ADJ
easat-1510	114	13	picture	picture	NOUN
easat-1510	114	14	of	of	ADP
easat-1510	114	15	electronic	electronic	ADJ
easat-1510	114	16	service	service	NOUN
easat-1510	114	17	quality	quality	NOUN
easat-1510	114	18	(	(	PUNCT
easat-1510	114	19	ansari	ansari	PROPN
easat-1510	114	20	&	&	CCONJ
easat-1510	114	21	farooqi	farooqi	PROPN
easat-1510	114	22	,	,	PUNCT
easat-1510	114	23	2017	2017	NUM
easat-1510	114	24	)	)	PUNCT
easat-1510	114	25	.	.	PUNCT
easat-1510	115	1	electronic	electronic	ADJ
easat-1510	115	2	involve	involve	VERB
easat-1510	115	3	a	a	DET
easat-1510	115	4	positive	positive	ADJ
easat-1510	115	5	impact	impact	NOUN
easat-1510	115	6	on	on	ADP
easat-1510	115	7	consumer	consumer	NOUN
easat-1510	115	8	attitudes	attitude	NOUN
easat-1510	115	9	(	(	PUNCT
easat-1510	115	10	carlson	carlson	PROPN
easat-1510	115	11	&	&	CCONJ
easat-1510	115	12	o'cass	o'cass	PROPN
easat-1510	115	13	,	,	PUNCT
easat-1510	115	14	2010	2010	NUM
easat-1510	115	15	)	)	PUNCT
easat-1510	115	16	,	,	PUNCT
easat-1510	115	17	which	which	PRON
easat-1510	115	18	in	in	ADP
easat-1510	115	19	turn	turn	NOUN
easat-1510	115	20	influences	influence	VERB
easat-1510	115	21	innovative	innovative	ADJ
easat-1510	115	22	actional	actional	ADJ
easat-1510	115	23	desires	desire	NOUN
easat-1510	115	24	(	(	PUNCT
easat-1510	115	25	wu	wu	PROPN
easat-1510	115	26	et	et	PROPN
easat-1510	115	27	al	al	PROPN
easat-1510	115	28	.	.	PROPN
easat-1510	115	29	,	,	PUNCT
easat-1510	115	30	2011	2011	NUM
easat-1510	115	31	)	)	PUNCT
easat-1510	115	32	.	.	PUNCT
easat-1510	116	1	the	the	DET
easat-1510	116	2	actional	actional	ADJ
easat-1510	116	3	desire	desire	NOUN
easat-1510	116	4	(	(	PUNCT
easat-1510	116	5	bi	bi	NOUN
easat-1510	116	6	)	)	PUNCT
easat-1510	116	7	model	model	NOUN
easat-1510	116	8	has	have	AUX
easat-1510	116	9	not	not	PART
easat-1510	116	10	been	be	AUX
easat-1510	116	11	fully	fully	ADV
easat-1510	116	12	revealed	reveal	VERB
easat-1510	116	13	in	in	ADP
easat-1510	116	14	the	the	DET
easat-1510	116	15	literature	literature	NOUN
easat-1510	116	16	on	on	ADP
easat-1510	116	17	esq	esq	PROPN
easat-1510	116	18	(	(	PUNCT
easat-1510	116	19	ravichandran	ravichandran	PROPN
easat-1510	116	20	et	et	PROPN
easat-1510	116	21	al	al	PROPN
easat-1510	116	22	.	.	PROPN
easat-1510	116	23	,	,	PUNCT
easat-1510	116	24	2010	2010	NUM
easat-1510	116	25	;	;	PUNCT
easat-1510	116	26	butt	butt	NOUN
easat-1510	116	27	,	,	PUNCT
easat-1510	116	28	2021	2021	NUM
easat-1510	116	29	)	)	PUNCT
easat-1510	116	30	,	,	PUNCT
easat-1510	116	31	boulding	boulding	NOUN
easat-1510	116	32	and	and	CCONJ
easat-1510	116	33	colleagues	colleague	NOUN
easat-1510	116	34	(	(	PUNCT
easat-1510	116	35	1993	1993	NUM
easat-1510	116	36	)	)	PUNCT
easat-1510	116	37	found	find	VERB
easat-1510	116	38	that	that	SCONJ
easat-1510	116	39	the	the	DET
easat-1510	116	40	overall	overall	ADJ
easat-1510	116	41	perception	perception	NOUN
easat-1510	116	42	of	of	ADP
easat-1510	116	43	esq	esq	PROPN
easat-1510	116	44	was	be	AUX
easat-1510	116	45	positively	positively	ADV
easat-1510	116	46	related	relate	VERB
easat-1510	116	47	to	to	ADP
easat-1510	116	48	motivation	motivation	NOUN
easat-1510	116	49	to	to	PART
easat-1510	116	50	recommend	recommend	VERB
easat-1510	116	51	and	and	CCONJ
easat-1510	116	52	negatively	negatively	ADV
easat-1510	116	53	related	relate	VERB
easat-1510	116	54	to	to	PART
easat-1510	116	55	complaint	complaint	NOUN
easat-1510	116	56	and	and	CCONJ
easat-1510	116	57	turnover	turnover	NOUN
easat-1510	116	58	action	action	NOUN
easat-1510	116	59	(	(	PUNCT
easat-1510	116	60	kelley	kelley	PROPN
easat-1510	116	61	et	et	PROPN
easat-1510	116	62	al	al	PROPN
easat-1510	116	63	.	.	PROPN
easat-1510	116	64	,	,	PUNCT
easat-1510	116	65	1993	1993	NUM
easat-1510	116	66	)	)	PUNCT
easat-1510	116	67	.	.	PUNCT
easat-1510	117	1	however	however	ADV
easat-1510	117	2	,	,	PUNCT
easat-1510	117	3	conflicting	conflicting	ADJ
easat-1510	117	4	findings	finding	NOUN
easat-1510	117	5	were	be	AUX
easat-1510	117	6	reported	report	VERB
easat-1510	117	7	regarding	regard	VERB
easat-1510	117	8	the	the	DET
easat-1510	117	9	correlation	correlation	NOUN
easat-1510	117	10	between	between	ADP
easat-1510	117	11	actional	actional	ADJ
easat-1510	117	12	desire	desire	NOUN
easat-1510	117	13	(	(	PUNCT
easat-1510	117	14	bi	bi	NOUN
easat-1510	117	15	)	)	PUNCT
easat-1510	117	16	and	and	CCONJ
easat-1510	117	17	esq	esq	PROPN
easat-1510	117	18	overall	overall	NOUN
easat-1510	117	19	,	,	PUNCT
easat-1510	117	20	with	with	ADP
easat-1510	117	21	cronin	cronin	PROPN
easat-1510	117	22	and	and	CCONJ
easat-1510	117	23	taylor	taylor	PROPN
easat-1510	117	24	(	(	PUNCT
easat-1510	117	25	1992	1992	NUM
easat-1510	117	26	)	)	PUNCT
easat-1510	117	27	finding	find	VERB
easat-1510	117	28	a	a	DET
easat-1510	117	29	non	non	ADJ
easat-1510	117	30	-	-	ADJ
easat-1510	117	31	effect	effect	ADJ
easat-1510	117	32	relationship	relationship	NOUN
easat-1510	117	33	,	,	PUNCT
easat-1510	117	34	whereas	whereas	SCONJ
easat-1510	117	35	further	further	ADJ
easat-1510	117	36	research	research	NOUN
easat-1510	117	37	on	on	ADP
easat-1510	117	38	the	the	DET
easat-1510	117	39	relationship	relationship	NOUN
easat-1510	117	40	between	between	ADP
easat-1510	117	41	sq	sq	NOUN
easat-1510	117	42	dimensions	dimension	NOUN
easat-1510	117	43	and	and	CCONJ
easat-1510	117	44	bi	bi	NOUN
easat-1510	117	45	models	model	NOUN
easat-1510	117	46	,	,	PUNCT
easat-1510	117	47	as	as	SCONJ
easat-1510	117	48	proposed	propose	VERB
easat-1510	117	49	by	by	ADP
easat-1510	117	50	zeithaml	zeithaml	PROPN
easat-1510	117	51	et	et	PROPN
easat-1510	117	52	al	al	PROPN
easat-1510	117	53	.	.	PROPN
easat-1510	118	1	(	(	PUNCT
easat-1510	118	2	1996	1996	NUM
easat-1510	118	3	)	)	PUNCT
easat-1510	118	4	,	,	PUNCT
easat-1510	118	5	still	still	ADV
easat-1510	118	6	requires	require	VERB
easat-1510	118	7	a	a	DET
easat-1510	118	8	deeper	deep	ADJ
easat-1510	118	9	understanding	understanding	NOUN
easat-1510	118	10	(	(	PUNCT
easat-1510	118	11	ravichandran	ravichandran	NOUN
easat-1510	118	12	et	et	PROPN
easat-1510	118	13	al	al	PROPN
easat-1510	118	14	.	.	PROPN
easat-1510	118	15	,	,	PUNCT
easat-1510	118	16	2010	2010	NUM
easat-1510	118	17	)	)	PUNCT
easat-1510	118	18	.	.	PUNCT
easat-1510	119	1	the	the	DET
easat-1510	119	2	following	follow	VERB
easat-1510	119	3	hypothesis	hypothesis	NOUN
easat-1510	119	4	is	be	AUX
easat-1510	119	5	formulated	formulate	VERB
easat-1510	119	6	:	:	PUNCT
easat-1510	119	7	2.10	2.10	NUM
easat-1510	119	8	.	.	PUNCT
easat-1510	120	1	religiosity	religiosity	NOUN
easat-1510	120	2	(	(	PUNCT
easat-1510	120	3	re	re	NOUN
easat-1510	120	4	)	)	PUNCT
easat-1510	120	5	religiosity	religiosity	NOUN
easat-1510	120	6	menas	menas	PROPN
easat-1510	120	7	one	one	PROPN
easat-1510	120	8	’s	’s	PART
easat-1510	120	9	beliefs	belief	NOUN
easat-1510	120	10	and	and	CCONJ
easat-1510	120	11	level	level	NOUN
easat-1510	120	12	of	of	ADP
easat-1510	120	13	obedience	obedience	NOUN
easat-1510	120	14	to	to	ADP
easat-1510	120	15	religious	religious	ADJ
easat-1510	120	16	teachings	teaching	NOUN
easat-1510	120	17	as	as	ADV
easat-1510	120	18	well	well	ADV
easat-1510	120	19	as	as	ADP
easat-1510	120	20	adherence	adherence	NOUN
easat-1510	120	21	to	to	ADP
easat-1510	120	22	recognized	recognize	VERB
easat-1510	120	23	systems	system	NOUN
easat-1510	120	24	(	(	PUNCT
easat-1510	120	25	irons	iron	NOUN
easat-1510	120	26	,	,	PUNCT
easat-1510	120	27	2001	2001	NUM
easat-1510	120	28	)	)	PUNCT
easat-1510	120	29	.	.	PUNCT
easat-1510	121	1	variations	variation	NOUN
easat-1510	121	2	in	in	ADP
easat-1510	121	3	steps	step	NOUN
easat-1510	121	4	of	of	ADP
easat-1510	121	5	sharia	sharia	PROPN
easat-1510	121	6	between	between	ADP
easat-1510	121	7	individuals	individual	NOUN
easat-1510	121	8	can	can	AUX
easat-1510	121	9	guide	guide	VERB
easat-1510	121	10	them	they	PRON
easat-1510	121	11	in	in	ADP
easat-1510	121	12	their	their	PRON
easat-1510	121	13	choices	choice	NOUN
easat-1510	121	14	.	.	PUNCT
easat-1510	122	1	several	several	ADJ
easat-1510	122	2	recent	recent	ADJ
easat-1510	122	3	studies	study	NOUN
easat-1510	122	4	have	have	AUX
easat-1510	122	5	established	establish	VERB
easat-1510	122	6	a	a	DET
easat-1510	122	7	definition	definition	NOUN
easat-1510	122	8	of	of	ADP
easat-1510	122	9	muslim	muslim	ADJ
easat-1510	122	10	religiosity	religiosity	NOUN
easat-1510	122	11	with	with	ADP
easat-1510	122	12	comprehensive	comprehensive	ADJ
easat-1510	122	13	criteria	criterion	NOUN
easat-1510	122	14	,	,	PUNCT
easat-1510	122	15	referred	refer	VERB
easat-1510	122	16	to	to	ADP
easat-1510	122	17	as	as	ADP
easat-1510	122	18	the	the	DET
easat-1510	122	19	comprehensive	comprehensive	ADJ
easat-1510	122	20	measurement	measurement	NOUN
easat-1510	122	21	of	of	ADP
easat-1510	122	22	islamic	islamic	ADJ
easat-1510	122	23	religiosity	religiosity	NOUN
easat-1510	122	24	(	(	PUNCT
easat-1510	122	25	cmir	cmir	NOUN
easat-1510	122	26	)	)	PUNCT
easat-1510	122	27	(	(	PUNCT
easat-1510	122	28	tiliouine	tiliouine	NOUN
easat-1510	122	29	&	&	CCONJ
easat-1510	122	30	belgoumidi	belgoumidi	PROPN
easat-1510	122	31	,	,	PUNCT
easat-1510	122	32	2009	2009	NUM
easat-1510	122	33	;	;	PUNCT
easat-1510	122	34	mahdzan	mahdzan	PROPN
easat-1510	122	35	et	et	PROPN
easat-1510	122	36	al	al	PROPN
easat-1510	122	37	.	.	PROPN
easat-1510	122	38	,	,	PUNCT
easat-1510	122	39	2017	2017	NUM
easat-1510	122	40	)	)	PUNCT
easat-1510	122	41	.	.	PUNCT
easat-1510	123	1	cmir	cmir	NOUN
easat-1510	123	2	includes	include	VERB
easat-1510	123	3	faith	faith	NOUN
easat-1510	123	4	,	,	PUNCT
easat-1510	123	5	religious	religious	ADJ
easat-1510	123	6	practice	practice	NOUN
easat-1510	123	7	,	,	PUNCT
easat-1510	123	8	muamalah	muamalah	ADV
easat-1510	123	9	,	,	PUNCT
easat-1510	123	10	and	and	CCONJ
easat-1510	123	11	religious	religious	ADJ
easat-1510	123	12	deepening	deepening	NOUN
easat-1510	123	13	.	.	PUNCT
easat-1510	124	1	however	however	ADV
easat-1510	124	2	,	,	PUNCT
easat-1510	124	3	further	further	ADJ
easat-1510	124	4	research	research	NOUN
easat-1510	124	5	is	be	AUX
easat-1510	124	6	needed	need	VERB
easat-1510	124	7	to	to	PART
easat-1510	124	8	explore	explore	VERB
easat-1510	124	9	the	the	DET
easat-1510	124	10	relationship	relationship	NOUN
easat-1510	124	11	between	between	ADP
easat-1510	124	12	the	the	DET
easat-1510	124	13	influence	influence	NOUN
easat-1510	124	14	of	of	ADP
easat-1510	124	15	religiosity	religiosity	NOUN
easat-1510	124	16	and	and	CCONJ
easat-1510	124	17	the	the	DET
easat-1510	124	18	adoption	adoption	NOUN
easat-1510	124	19	of	of	ADP
easat-1510	124	20	sharia	sharia	PROPN
easat-1510	124	21	mobile	mobile	PROPN
easat-1510	124	22	banking	banking	NOUN
easat-1510	124	23	services	service	NOUN
easat-1510	124	24	(	(	PUNCT
easat-1510	124	25	suhartanto	suhartanto	NOUN
easat-1510	124	26	,	,	PUNCT
easat-1510	124	27	dean	dean	PROPN
easat-1510	124	28	,	,	PUNCT
easat-1510	124	29	ismail	ismail	PROPN
easat-1510	124	30	,	,	PUNCT
easat-1510	124	31	&	&	CCONJ
easat-1510	124	32	sundari	sundari	PROPN
easat-1510	124	33	,	,	PUNCT
easat-1510	124	34	2020	2020	NUM
easat-1510	124	35	)	)	PUNCT
easat-1510	124	36	.	.	PUNCT
easat-1510	125	1	hence	hence	ADV
easat-1510	125	2	,	,	PUNCT
easat-1510	125	3	the	the	DET
easat-1510	125	4	hypotheses	hypothesis	NOUN
easat-1510	125	5	proposed	propose	VERB
easat-1510	125	6	are	be	AUX
easat-1510	125	7	:	:	PUNCT
easat-1510	125	8	2.11	2.11	NUM
easat-1510	125	9	.	.	PUNCT
easat-1510	126	1	use	use	NOUN
easat-1510	126	2	action	action	NOUN
easat-1510	126	3	(	(	PUNCT
easat-1510	126	4	ub	ub	ADP
easat-1510	126	5	)	)	PUNCT
easat-1510	126	6	in	in	ADP
easat-1510	126	7	both	both	DET
easat-1510	126	8	tam	tam	X
easat-1510	126	9	(	(	PUNCT
easat-1510	126	10	davis	davis	PROPN
easat-1510	126	11	,	,	PUNCT
easat-1510	126	12	1986	1986	NUM
easat-1510	126	13	;	;	PUNCT
easat-1510	126	14	davis	davis	PROPN
easat-1510	126	15	,	,	PUNCT
easat-1510	126	16	1989	1989	NUM
easat-1510	126	17	)	)	PUNCT
easat-1510	126	18	and	and	CCONJ
easat-1510	126	19	utaut	utaut	NOUN
easat-1510	126	20	/	/	SYM
easat-1510	126	21	utaut2	utaut2	PROPN
easat-1510	127	1	(	(	PUNCT
easat-1510	127	2	vankatesh	vankatesh	NOUN
easat-1510	127	3	et	et	PROPN
easat-1510	127	4	al	al	PROPN
easat-1510	127	5	.	.	PROPN
easat-1510	127	6	,	,	PUNCT
easat-1510	127	7	2012	2012	NUM
easat-1510	127	8	)	)	PUNCT
easat-1510	127	9	,	,	PUNCT
easat-1510	127	10	usage	usage	NOUN
easat-1510	127	11	action	action	NOUN
easat-1510	127	12	is	be	AUX
easat-1510	127	13	considered	consider	VERB
easat-1510	127	14	as	as	ADP
easat-1510	127	15	a	a	DET
easat-1510	127	16	target	target	NOUN
easat-1510	127	17	variable	variable	NOUN
easat-1510	127	18	.	.	PUNCT
easat-1510	128	1	in	in	ADP
easat-1510	128	2	tam	tam	PROPN
easat-1510	128	3	,	,	PUNCT
easat-1510	128	4	usage	usage	NOUN
easat-1510	128	5	action	action	NOUN
easat-1510	128	6	refers	refer	VERB
easat-1510	128	7	specifically	specifically	ADV
easat-1510	128	8	to	to	ADP
easat-1510	128	9	the	the	DET
easat-1510	128	10	actual	actual	ADJ
easat-1510	128	11	use	use	NOUN
easat-1510	128	12	of	of	ADP
easat-1510	128	13	the	the	DET
easat-1510	128	14	system	system	NOUN
easat-1510	128	15	,	,	PUNCT
easat-1510	128	16	while	while	SCONJ
easat-1510	128	17	in	in	ADP
easat-1510	128	18	utaut	utaut	PROPN
easat-1510	128	19	/	/	SYM
easat-1510	128	20	utaut2	utaut2	PROPN
easat-1510	128	21	,	,	PUNCT
easat-1510	128	22	this	this	DET
easat-1510	128	23	concept	concept	NOUN
easat-1510	128	24	is	be	AUX
easat-1510	128	25	interpreted	interpret	VERB
easat-1510	128	26	more	more	ADV
easat-1510	128	27	broadly	broadly	ADV
easat-1510	128	28	as	as	ADP
easat-1510	128	29	usage	usage	NOUN
easat-1510	128	30	action	action	NOUN
easat-1510	128	31	in	in	ADP
easat-1510	128	32	general	general	ADJ
easat-1510	128	33	(	(	PUNCT
easat-1510	128	34	gansser	gansser	NOUN
easat-1510	128	35	&	&	CCONJ
easat-1510	128	36	reich	reich	PROPN
easat-1510	128	37	,	,	PUNCT
easat-1510	128	38	2021	2021	NUM
easat-1510	128	39	)	)	PUNCT
easat-1510	128	40	.	.	PUNCT
easat-1510	129	1	usage	usage	NOUN
easat-1510	129	2	action	action	NOUN
easat-1510	129	3	includes	include	VERB
easat-1510	129	4	the	the	DET
easat-1510	129	5	level	level	NOUN
easat-1510	129	6	of	of	ADP
easat-1510	129	7	use	use	NOUN
easat-1510	129	8	involving	involve	VERB
easat-1510	129	9	the	the	DET
easat-1510	129	10	frequency	frequency	NOUN
easat-1510	129	11	and	and	CCONJ
easat-1510	129	12	quality	quality	NOUN
easat-1510	129	13	of	of	ADP
easat-1510	129	14	use	use	NOUN
easat-1510	129	15	(	(	PUNCT
easat-1510	129	16	black	black	ADJ
easat-1510	129	17	,	,	PUNCT
easat-1510	129	18	1983	1983	NUM
easat-1510	129	19	)	)	PUNCT
easat-1510	129	20	.	.	PUNCT
easat-1510	130	1	in	in	ADP
easat-1510	130	2	the	the	DET
easat-1510	130	3	context	context	NOUN
easat-1510	130	4	of	of	ADP
easat-1510	130	5	information	information	NOUN
easat-1510	130	6	systems	system	NOUN
easat-1510	130	7	,	,	PUNCT
easat-1510	130	8	usage	usage	NOUN
easat-1510	130	9	action	action	NOUN
easat-1510	130	10	becomes	become	VERB
easat-1510	130	11	a	a	DET
easat-1510	130	12	basic	basic	ADJ
easat-1510	130	13	score	score	NOUN
easat-1510	130	14	that	that	PRON
easat-1510	130	15	reflects	reflect	VERB
easat-1510	130	16	the	the	DET
easat-1510	130	17	way	way	NOUN
easat-1510	130	18	users	user	NOUN
easat-1510	130	19	interact	interact	VERB
easat-1510	130	20	with	with	ADP
easat-1510	130	21	a	a	DET
easat-1510	130	22	application	application	NOUN
easat-1510	130	23	(	(	PUNCT
easat-1510	130	24	hsu	hsu	PROPN
easat-1510	130	25	&	&	CCONJ
easat-1510	130	26	chen	chen	PROPN
easat-1510	130	27	,	,	PUNCT
easat-1510	130	28	2007	2007	NUM
easat-1510	130	29	)	)	PUNCT
easat-1510	130	30	.	.	PUNCT
easat-1510	131	1	in	in	ADP
easat-1510	131	2	the	the	DET
easat-1510	131	3	information	information	NOUN
easat-1510	131	4	systems	system	NOUN
easat-1510	131	5	framework	framework	NOUN
easat-1510	131	6	,	,	PUNCT
easat-1510	131	7	usage	usage	NOUN
easat-1510	131	8	action	action	NOUN
easat-1510	131	9	is	be	AUX
easat-1510	131	10	also	also	ADV
easat-1510	131	11	defined	define	VERB
easat-1510	131	12	as	as	ADP
easat-1510	131	13	consumer	consumer	NOUN
easat-1510	131	14	action	action	NOUN
easat-1510	131	15	that	that	PRON
easat-1510	131	16	influences	influence	VERB
easat-1510	131	17	individual	individual	ADJ
easat-1510	131	18	consideration	consideration	NOUN
easat-1510	131	19	in	in	ADP
easat-1510	131	20	modern	modern	ADJ
easat-1510	131	21	application	application	NOUN
easat-1510	131	22	(	(	PUNCT
easat-1510	131	23	huang	huang	PROPN
easat-1510	131	24	&	&	CCONJ
easat-1510	131	25	kao	kao	PROPN
easat-1510	131	26	,	,	PUNCT
easat-1510	131	27	2015	2015	NUM
easat-1510	131	28	)	)	PUNCT
easat-1510	131	29	.	.	PUNCT
easat-1510	132	1	based	base	VERB
easat-1510	132	2	on	on	ADP
easat-1510	132	3	our	our	PRON
easat-1510	132	4	literature	literature	NOUN
easat-1510	132	5	review	review	NOUN
easat-1510	132	6	and	and	CCONJ
easat-1510	132	7	the	the	DET
easat-1510	132	8	hypotheses	hypothesis	NOUN
easat-1510	132	9	obtained	obtain	VERB
easat-1510	132	10	from	from	ADP
easat-1510	132	11	that	that	DET
easat-1510	132	12	literature	literature	NOUN
easat-1510	132	13	,	,	PUNCT
easat-1510	132	14	the	the	DET
easat-1510	132	15	type	type	NOUN
easat-1510	132	16	of	of	ADP
easat-1510	132	17	was	be	AUX
easat-1510	132	18	formed	form	VERB
easat-1510	132	19	by	by	ADP
easat-1510	132	20	detailing	detail	VERB
easat-1510	132	21	the	the	DET
easat-1510	132	22	hypotheses	hypothesis	NOUN
easat-1510	132	23	developed	develop	VERB
easat-1510	132	24	.	.	PUNCT
easat-1510	133	1	this	this	DET
easat-1510	133	2	model	model	NOUN
easat-1510	133	3	consists	consist	VERB
easat-1510	133	4	of	of	ADP
easat-1510	133	5	eight	eight	NUM
easat-1510	133	6	main	main	ADJ
easat-1510	133	7	factors	factor	NOUN
easat-1510	133	8	,	,	PUNCT
easat-1510	133	9	namely	namely	ADV
easat-1510	133	10	utaut2	utaut2	PROPN
easat-1510	133	11	,	,	PUNCT
easat-1510	133	12	es	es	NOUN
easat-1510	133	13	-	-	PUNCT
easat-1510	133	14	qual	qual	ADJ
easat-1510	133	15	,	,	PUNCT
easat-1510	133	16	and	and	CCONJ
easat-1510	133	17	religiosity	religiosity	NOUN
easat-1510	133	18	.	.	PUNCT
easat-1510	134	1	the	the	DET
easat-1510	134	2	diagram	diagram	NOUN
easat-1510	134	3	illustrates	illustrate	VERB
easat-1510	134	4	that	that	SCONJ
easat-1510	134	5	all	all	PRON
easat-1510	134	6	above	above	ADP
easat-1510	134	7	aspects	aspect	NOUN
easat-1510	134	8	are	be	AUX
easat-1510	134	9	considered	consider	VERB
easat-1510	134	10	as	as	ADP
easat-1510	134	11	influences	influence	NOUN
easat-1510	134	12	on	on	ADP
easat-1510	134	13	actional	actional	ADJ
easat-1510	134	14	desires	desire	NOUN
easat-1510	134	15	.	.	PUNCT
easat-1510	135	1	actional	actional	ADJ
easat-1510	135	2	desire	desire	NOUN
easat-1510	135	3	to	to	PART
easat-1510	135	4	use	use	VERB
easat-1510	135	5	(	(	PUNCT
easat-1510	135	6	bi	bi	NOUN
easat-1510	135	7	)	)	PUNCT
easat-1510	135	8	fintech	fintech	NOUN
easat-1510	135	9	of	of	ADP
easat-1510	135	10	sharia	sharia	PROPN
easat-1510	135	11	.	.	PUNCT
easat-1510	136	1	experience	experience	NOUN
easat-1510	136	2	moderates	moderate	VERB
easat-1510	136	3	the	the	DET
easat-1510	136	4	relationship	relationship	NOUN
easat-1510	136	5	between	between	ADP
easat-1510	136	6	ee	ee	PROPN
easat-1510	136	7	,	,	PUNCT
easat-1510	136	8	si	si	X
easat-1510	136	9	,	,	PUNCT
easat-1510	136	10	fc	fc	PROPN
easat-1510	136	11	,	,	PUNCT
easat-1510	136	12	hm	hm	INTJ
easat-1510	136	13	,	,	PUNCT
easat-1510	136	14	ha	ha	INTJ
easat-1510	136	15	and	and	CCONJ
easat-1510	136	16	actional	actional	ADJ
easat-1510	136	17	desire	desire	NOUN
easat-1510	136	18	to	to	PART
easat-1510	136	19	use	use	VERB
easat-1510	136	20	(	(	PUNCT
easat-1510	136	21	bi	bi	NOUN
easat-1510	136	22	)	)	PUNCT
easat-1510	136	23	fintech	fintech	NOUN
easat-1510	136	24	of	of	ADP
easat-1510	136	25	sharia	sharia	PROPN
easat-1510	136	26	.	.	PUNCT
easat-1510	137	1	thus	thus	ADV
easat-1510	137	2	,	,	PUNCT
easat-1510	137	3	bi	bi	NOUN
easat-1510	137	4	involves	involve	VERB
easat-1510	137	5	pe	pe	PROPN
easat-1510	137	6	,	,	PUNCT
easat-1510	137	7	ee	ee	PROPN
easat-1510	137	8	,	,	PUNCT
easat-1510	137	9	si	si	X
easat-1510	137	10	,	,	PUNCT
easat-1510	137	11	fc	fc	PROPN
easat-1510	137	12	,	,	PUNCT
easat-1510	137	13	hm	hm	INTJ
easat-1510	137	14	,	,	PUNCT
easat-1510	137	15	pv	pv	INTJ
easat-1510	137	16	,	,	PUNCT
easat-1510	137	17	ha	ha	INTJ
easat-1510	137	18	and	and	CCONJ
easat-1510	137	19	use	use	VERB
easat-1510	137	20	action	action	NOUN
easat-1510	137	21	(	(	PUNCT
easat-1510	137	22	ub	ub	ADJ
easat-1510	137	23	)	)	PUNCT
easat-1510	137	24	of	of	ADP
easat-1510	137	25	fintech	fintech	NOUN
easat-1510	137	26	of	of	ADP
easat-1510	137	27	sharia	sharia	PROPN
easat-1510	137	28	.	.	PROPN
easat-1510	137	29	1338	1338	NUM
easat-1510	137	30	edelweiss	edelweiss	PROPN
easat-1510	137	31	applied	apply	VERB
easat-1510	137	32	science	science	NOUN
easat-1510	137	33	and	and	CCONJ
easat-1510	137	34	technology	technology	NOUN
easat-1510	137	35	issn	issn	PROPN
easat-1510	137	36	:	:	PUNCT
easat-1510	137	37	2576	2576	NUM
easat-1510	137	38	-	-	SYM
easat-1510	137	39	8484	8484	NUM
easat-1510	137	40	vol	vol	NOUN
easat-1510	137	41	.	.	PROPN
easat-1510	137	42	8	8	NUM
easat-1510	137	43	,	,	PUNCT
easat-1510	137	44	no	no	INTJ
easat-1510	137	45	.	.	NOUN
easat-1510	137	46	4	4	NUM
easat-1510	137	47	:	:	SYM
easat-1510	137	48	1333	1333	NUM
easat-1510	137	49	-	-	SYM
easat-1510	137	50	1346	1346	NUM
easat-1510	137	51	,	,	PUNCT
easat-1510	137	52	2024	2024	NUM
easat-1510	137	53	doi	doi	NOUN
easat-1510	137	54	:	:	PUNCT
easat-1510	137	55	10.55214/25768484.v8i4.1510	10.55214/25768484.v8i4.1510	NUM
easat-1510	137	56	©	©	ADP
easat-1510	137	57	2024	2024	NUM
easat-1510	137	58	by	by	ADP
easat-1510	137	59	the	the	DET
easat-1510	137	60	authors	author	NOUN
easat-1510	137	61	;	;	PUNCT
easat-1510	137	62	licensee	licensee	PROPN
easat-1510	137	63	learning	learn	VERB
easat-1510	137	64	gate	gate	NOUN
easat-1510	137	65	figure	figure	NOUN
easat-1510	137	66	1	1	NUM
easat-1510	137	67	.	.	PUNCT
easat-1510	137	68	research	research	NOUN
easat-1510	137	69	framework	framework	NOUN
easat-1510	137	70	.	.	PUNCT
easat-1510	138	1	3	3	X
easat-1510	138	2	.	.	X
easat-1510	138	3	methodology	methodology	NOUN
easat-1510	138	4	this	this	DET
easat-1510	138	5	research	research	NOUN
easat-1510	138	6	adopts	adopt	VERB
easat-1510	138	7	utaut	utaut	NOUN
easat-1510	138	8	and	and	CCONJ
easat-1510	138	9	es	es	ADJ
easat-1510	138	10	-	-	PUNCT
easat-1510	138	11	qual	qual	NOUN
easat-1510	138	12	as	as	ADP
easat-1510	138	13	research	research	NOUN
easat-1510	138	14	framework	framework	NOUN
easat-1510	138	15	models	model	NOUN
easat-1510	138	16	with	with	ADP
easat-1510	138	17	the	the	DET
easat-1510	138	18	addition	addition	NOUN
easat-1510	138	19	of	of	ADP
easat-1510	138	20	the	the	DET
easat-1510	138	21	religiosity	religiosity	NOUN
easat-1510	138	22	factor	factor	NOUN
easat-1510	138	23	.	.	PUNCT
easat-1510	139	1	lawson	lawson	PROPN
easat-1510	139	2	-	-	PUNCT
easat-1510	139	3	body	body	NOUN
easat-1510	139	4	and	and	CCONJ
easat-1510	139	5	friends	friend	NOUN
easat-1510	139	6	(	(	PUNCT
easat-1510	139	7	2018	2018	NUM
easat-1510	139	8	)	)	PUNCT
easat-1510	139	9	explained	explain	VERB
easat-1510	139	10	that	that	SCONJ
easat-1510	139	11	it	it	PRON
easat-1510	139	12	is	be	AUX
easat-1510	139	13	a	a	DET
easat-1510	139	14	excellent	excellent	ADJ
easat-1510	139	15	way	way	NOUN
easat-1510	139	16	that	that	PRON
easat-1510	139	17	integrates	integrate	VERB
easat-1510	139	18	the	the	DET
easat-1510	139	19	eight	eight	NUM
easat-1510	139	20	comprhensive	comprhensive	ADJ
easat-1510	139	21	theory	theory	NOUN
easat-1510	139	22	(	(	PUNCT
easat-1510	139	23	venkatesh	venkatesh	PROPN
easat-1510	139	24	et	et	PROPN
easat-1510	139	25	al	al	PROPN
easat-1510	139	26	.	.	PROPN
easat-1510	139	27	,	,	PUNCT
easat-1510	139	28	2003	2003	NUM
easat-1510	139	29	;	;	PUNCT
easat-1510	140	1	gupta	gupta	PROPN
easat-1510	140	2	et	et	PROPN
easat-1510	140	3	al	al	PROPN
easat-1510	140	4	.	.	PROPN
easat-1510	140	5	,	,	PUNCT
easat-1510	140	6	2019	2019	NUM
easat-1510	140	7	;	;	PUNCT
easat-1510	140	8	bin	bin	NOUN
easat-1510	140	9	-	-	NOUN
easat-1510	140	10	nashwan	nashwan	PROPN
easat-1510	140	11	,	,	PUNCT
easat-1510	140	12	2021	2021	NUM
easat-1510	140	13	)	)	PUNCT
easat-1510	140	14	.	.	PUNCT
easat-1510	141	1	data	datum	NOUN
easat-1510	141	2	collection	collection	NOUN
easat-1510	141	3	in	in	ADP
easat-1510	141	4	this	this	DET
easat-1510	141	5	research	research	NOUN
easat-1510	141	6	used	use	VERB
easat-1510	141	7	primary	primary	ADJ
easat-1510	141	8	data	datum	NOUN
easat-1510	141	9	obtained	obtain	VERB
easat-1510	141	10	directly	directly	ADV
easat-1510	141	11	from	from	ADP
easat-1510	141	12	participants	participant	NOUN
easat-1510	141	13	via	via	ADP
easat-1510	141	14	online	online	ADJ
easat-1510	141	15	questionnaires	questionnaire	NOUN
easat-1510	141	16	.	.	PUNCT
easat-1510	142	1	the	the	DET
easat-1510	142	2	online	online	ADJ
easat-1510	142	3	survey	survey	NOUN
easat-1510	142	4	consists	consist	VERB
easat-1510	142	5	of	of	ADP
easat-1510	142	6	70	70	NUM
easat-1510	142	7	questions	question	NOUN
easat-1510	142	8	and	and	CCONJ
easat-1510	142	9	is	be	AUX
easat-1510	142	10	divided	divide	VERB
easat-1510	142	11	into	into	ADP
easat-1510	142	12	two	two	NUM
easat-1510	142	13	parts	part	NOUN
easat-1510	142	14	.	.	PUNCT
easat-1510	143	1	the	the	DET
easat-1510	143	2	first	first	ADJ
easat-1510	143	3	part	part	NOUN
easat-1510	143	4	consists	consist	VERB
easat-1510	143	5	of	of	ADP
easat-1510	143	6	nine	nine	NUM
easat-1510	143	7	closed	closed	ADJ
easat-1510	143	8	-	-	PUNCT
easat-1510	143	9	ended	end	VERB
easat-1510	143	10	questions	question	NOUN
easat-1510	143	11	that	that	PRON
easat-1510	143	12	are	be	AUX
easat-1510	143	13	used	use	VERB
easat-1510	143	14	to	to	PART
easat-1510	143	15	determine	determine	VERB
easat-1510	143	16	demographic	demographic	ADJ
easat-1510	143	17	variables	variable	NOUN
easat-1510	143	18	using	use	VERB
easat-1510	143	19	a	a	DET
easat-1510	143	20	nominal	nominal	ADJ
easat-1510	143	21	scale	scale	NOUN
easat-1510	143	22	(	(	PUNCT
easat-1510	143	23	gender	gender	NOUN
easat-1510	143	24	,	,	PUNCT
easat-1510	143	25	age	age	NOUN
easat-1510	143	26	,	,	PUNCT
easat-1510	143	27	education	education	NOUN
easat-1510	143	28	,	,	PUNCT
easat-1510	143	29	occupation	occupation	NOUN
easat-1510	143	30	,	,	PUNCT
easat-1510	143	31	status	status	NOUN
easat-1510	143	32	,	,	PUNCT
easat-1510	143	33	frequency	frequency	NOUN
easat-1510	143	34	of	of	ADP
easat-1510	143	35	fintech	fintech	NOUN
easat-1510	143	36	use	use	NOUN
easat-1510	143	37	,	,	PUNCT
easat-1510	143	38	fintech	fintech	NOUN
easat-1510	143	39	experience	experience	NOUN
easat-1510	143	40	)	)	PUNCT
easat-1510	143	41	.	.	PUNCT
easat-1510	144	1	the	the	DET
easat-1510	144	2	second	second	ADJ
easat-1510	144	3	part	part	NOUN
easat-1510	144	4	includes	include	VERB
easat-1510	144	5	the	the	DET
easat-1510	144	6	item	item	NOUN
easat-1510	144	7	-	-	PUNCT
easat-1510	144	8	model	model	NOUN
easat-1510	144	9	utaut2	utaut2	NOUN
easat-1510	144	10	adopted	adopt	VERB
easat-1510	144	11	from	from	ADP
easat-1510	144	12	venkatesh	venkatesh	PROPN
easat-1510	144	13	et	et	PROPN
easat-1510	144	14	al	al	PROPN
easat-1510	144	15	.	.	PROPN
easat-1510	145	1	(	(	PUNCT
easat-1510	145	2	2012	2012	NUM
easat-1510	145	3	)	)	PUNCT
easat-1510	145	4	and	and	CCONJ
easat-1510	145	5	related	relate	VERB
easat-1510	145	6	research	research	NOUN
easat-1510	145	7	such	such	ADJ
easat-1510	145	8	as	as	ADP
easat-1510	145	9	alalwan	alalwan	NOUN
easat-1510	145	10	and	and	CCONJ
easat-1510	145	11	friends	friend	NOUN
easat-1510	145	12	(	(	PUNCT
easat-1510	145	13	2017	2017	NUM
easat-1510	145	14	)	)	PUNCT
easat-1510	145	15	,	,	PUNCT
easat-1510	145	16	and	and	CCONJ
easat-1510	145	17	sharma	sharma	PROPN
easat-1510	145	18	and	and	CCONJ
easat-1510	145	19	friends	friend	NOUN
easat-1510	145	20	(	(	PUNCT
easat-1510	145	21	2017	2017	NUM
easat-1510	145	22	)	)	PUNCT
easat-1510	145	23	.	.	PUNCT
easat-1510	146	1	each	each	DET
easat-1510	146	2	factor	factor	NOUN
easat-1510	146	3	is	be	AUX
easat-1510	146	4	measured	measure	VERB
easat-1510	146	5	with	with	ADP
easat-1510	146	6	five	five	NUM
easat-1510	146	7	items	item	NOUN
easat-1510	146	8	.	.	PUNCT
easat-1510	147	1	in	in	ADP
easat-1510	147	2	addition	addition	NOUN
easat-1510	147	3	,	,	PUNCT
easat-1510	147	4	five	five	NUM
easat-1510	147	5	items	item	NOUN
easat-1510	147	6	were	be	AUX
easat-1510	147	7	used	use	VERB
easat-1510	147	8	to	to	PART
easat-1510	147	9	measure	measure	VERB
easat-1510	147	10	es	es	PRON
easat-1510	147	11	-	-	PUNCT
easat-1510	147	12	qual	qual	ADJ
easat-1510	147	13	(	(	PUNCT
easat-1510	147	14	parasuraman	parasuraman	NOUN
easat-1510	147	15	,	,	PUNCT
easat-1510	147	16	2005	2005	NUM
easat-1510	147	17	;	;	PUNCT
easat-1510	147	18	kumas	kumas	PROPN
easat-1510	147	19	&	&	CCONJ
easat-1510	147	20	dan	dan	PROPN
easat-1510	147	21	,	,	PUNCT
easat-1510	147	22	2015	2015	NUM
easat-1510	147	23	)	)	PUNCT
easat-1510	147	24	,	,	PUNCT
easat-1510	147	25	and	and	CCONJ
easat-1510	147	26	religiosity	religiosity	NOUN
easat-1510	147	27	was	be	AUX
easat-1510	147	28	adopted	adopt	VERB
easat-1510	147	29	from	from	ADP
easat-1510	147	30	the	the	DET
easat-1510	147	31	work	work	NOUN
easat-1510	147	32	of	of	ADP
easat-1510	147	33	tiliouine	tiliouine	NOUN
easat-1510	147	34	and	and	CCONJ
easat-1510	147	35	belgoumidi	belgoumidi	PROPN
easat-1510	147	36	(	(	PUNCT
easat-1510	147	37	2009	2009	NUM
easat-1510	147	38	)	)	PUNCT
easat-1510	147	39	and	and	CCONJ
easat-1510	147	40	mahdzan	mahdzan	X
easat-1510	147	41	et	et	PROPN
easat-1510	147	42	al	al	PROPN
easat-1510	147	43	.	.	PROPN
easat-1510	148	1	(	(	PUNCT
easat-1510	148	2	2017	2017	NUM
easat-1510	148	3	)	)	PUNCT
easat-1510	148	4	.	.	PUNCT
easat-1510	149	1	the	the	DET
easat-1510	149	2	use	use	NOUN
easat-1510	149	3	of	of	ADP
easat-1510	149	4	a	a	DET
easat-1510	149	5	likert	likert	ADJ
easat-1510	149	6	scale	scale	NOUN
easat-1510	149	7	with	with	ADP
easat-1510	149	8	five	five	NUM
easat-1510	149	9	points	point	NOUN
easat-1510	149	10	,	,	PUNCT
easat-1510	149	11	ranging	range	VERB
easat-1510	149	12	from	from	ADP
easat-1510	149	13	1	1	NUM
easat-1510	149	14	(	(	PUNCT
easat-1510	149	15	strongly	strongly	ADV
easat-1510	149	16	disagree	disagree	VERB
easat-1510	149	17	)	)	PUNCT
easat-1510	149	18	to	to	ADP
easat-1510	149	19	5	5	NUM
easat-1510	149	20	(	(	PUNCT
easat-1510	149	21	strongly	strongly	ADV
easat-1510	149	22	agree	agree	VERB
easat-1510	149	23	)	)	PUNCT
easat-1510	149	24	,	,	PUNCT
easat-1510	149	25	was	be	AUX
easat-1510	149	26	used	use	VERB
easat-1510	149	27	to	to	PART
easat-1510	149	28	measure	measure	VERB
easat-1510	149	29	the	the	DET
easat-1510	149	30	items	item	NOUN
easat-1510	149	31	in	in	ADP
easat-1510	149	32	this	this	DET
easat-1510	149	33	questionnaire	questionnaire	NOUN
easat-1510	149	34	.	.	PUNCT
easat-1510	150	1	this	this	DET
easat-1510	150	2	cross	cross	ADJ
easat-1510	150	3	-	-	ADJ
easat-1510	150	4	sectional	sectional	ADJ
easat-1510	150	5	research	research	NOUN
easat-1510	150	6	purposes	purpose	NOUN
easat-1510	150	7	to	to	PART
easat-1510	150	8	examine	examine	VERB
easat-1510	150	9	fintech	fintech	NOUN
easat-1510	150	10	adoption	adoption	NOUN
easat-1510	150	11	in	in	ADP
easat-1510	150	12	indonesia	indonesia	PROPN
easat-1510	150	13	.	.	PUNCT
easat-1510	151	1	the	the	DET
easat-1510	151	2	questionnaire	questionnaire	NOUN
easat-1510	151	3	was	be	AUX
easat-1510	151	4	initially	initially	ADV
easat-1510	151	5	designed	design	VERB
easat-1510	151	6	in	in	ADP
easat-1510	151	7	english	english	PROPN
easat-1510	151	8	and	and	CCONJ
easat-1510	151	9	then	then	ADV
easat-1510	151	10	translated	translate	VERB
easat-1510	151	11	into	into	ADP
easat-1510	151	12	indonesian	indonesian	PROPN
easat-1510	151	13	by	by	ADP
easat-1510	151	14	a	a	DET
easat-1510	151	15	professional	professional	ADJ
easat-1510	151	16	translator	translator	NOUN
easat-1510	151	17	.	.	PUNCT
easat-1510	152	1	this	this	DET
easat-1510	152	2	research	research	NOUN
easat-1510	152	3	adopts	adopt	VERB
easat-1510	152	4	a	a	DET
easat-1510	152	5	non	non	ADJ
easat-1510	152	6	-	-	ADJ
easat-1510	152	7	probabilistic	probabilistic	ADJ
easat-1510	152	8	sampling	sampling	NOUN
easat-1510	152	9	method	method	NOUN
easat-1510	152	10	with	with	ADP
easat-1510	152	11	an	an	DET
easat-1510	152	12	independent	independent	ADJ
easat-1510	152	13	selection	selection	NOUN
easat-1510	152	14	approach	approach	NOUN
easat-1510	152	15	,	,	PUNCT
easat-1510	152	16	namely	namely	ADV
easat-1510	152	17	convenience	convenience	NOUN
easat-1510	152	18	sampling	sampling	NOUN
easat-1510	152	19	.	.	PUNCT
easat-1510	153	1	this	this	DET
easat-1510	153	2	approach	approach	NOUN
easat-1510	153	3	allows	allow	VERB
easat-1510	153	4	researchers	researcher	NOUN
easat-1510	153	5	to	to	PART
easat-1510	153	6	collect	collect	VERB
easat-1510	153	7	data	datum	NOUN
easat-1510	153	8	from	from	ADP
easat-1510	153	9	potential	potential	ADJ
easat-1510	153	10	participants	participant	NOUN
easat-1510	153	11	based	base	VERB
easat-1510	153	12	on	on	ADP
easat-1510	153	13	their	their	PRON
easat-1510	153	14	availability	availability	NOUN
easat-1510	153	15	.	.	PUNCT
easat-1510	154	1	specifically	specifically	ADV
easat-1510	154	2	,	,	PUNCT
easat-1510	154	3	the	the	DET
easat-1510	154	4	online	online	ADJ
easat-1510	154	5	survey	survey	NOUN
easat-1510	154	6	was	be	AUX
easat-1510	154	7	distributed	distribute	VERB
easat-1510	154	8	via	via	ADP
easat-1510	154	9	social	social	ADJ
easat-1510	154	10	media	medium	NOUN
easat-1510	154	11	platforms	platform	NOUN
easat-1510	154	12	in	in	ADP
easat-1510	154	13	indonesia	indonesia	PROPN
easat-1510	154	14	during	during	ADP
easat-1510	154	15	the	the	DET
easat-1510	154	16	period	period	NOUN
easat-1510	154	17	between	between	ADP
easat-1510	154	18	january	january	PROPN
easat-1510	154	19	and	and	CCONJ
easat-1510	154	20	july	july	PROPN
easat-1510	154	21	2023	2023	NUM
easat-1510	154	22	.	.	PUNCT
easat-1510	155	1	in	in	ADP
easat-1510	155	2	addition	addition	NOUN
easat-1510	155	3	,	,	PUNCT
easat-1510	155	4	self	self	NOUN
easat-1510	155	5	-	-	PUNCT
easat-1510	155	6	administered	administer	VERB
easat-1510	155	7	questionnaires	questionnaire	NOUN
easat-1510	155	8	were	be	AUX
easat-1510	155	9	also	also	ADV
easat-1510	155	10	distributed	distribute	VERB
easat-1510	155	11	.	.	PUNCT
easat-1510	156	1	previously	previously	ADV
easat-1510	156	2	,	,	PUNCT
easat-1510	156	3	the	the	DET
easat-1510	156	4	questionnaire	questionnaire	NOUN
easat-1510	156	5	was	be	AUX
easat-1510	156	6	tested	test	VERB
easat-1510	156	7	by	by	ADP
easat-1510	156	8	two	two	NUM
easat-1510	156	9	sharia	sharia	PROPN
easat-1510	156	10	banking	banking	NOUN
easat-1510	156	11	experts	expert	NOUN
easat-1510	156	12	from	from	ADP
easat-1510	156	13	indonesia	indonesia	PROPN
easat-1510	156	14	and	and	CCONJ
easat-1510	156	15	malaysia	malaysia	PROPN
easat-1510	156	16	to	to	PART
easat-1510	156	17	verify	verify	VERB
easat-1510	156	18	the	the	DET
easat-1510	156	19	effectiveness	effectiveness	NOUN
easat-1510	156	20	of	of	ADP
easat-1510	156	21	its	its	PRON
easat-1510	156	22	content	content	NOUN
easat-1510	156	23	.	.	PUNCT
easat-1510	157	1	the	the	DET
easat-1510	157	2	online	online	ADJ
easat-1510	157	3	survey	survey	NOUN
easat-1510	157	4	included	include	VERB
easat-1510	157	5	a	a	DET
easat-1510	157	6	cover	cover	NOUN
easat-1510	157	7	letter	letter	NOUN
easat-1510	157	8	that	that	PRON
easat-1510	157	9	provided	provide	VERB
easat-1510	157	10	an	an	DET
easat-1510	157	11	explanation	explanation	NOUN
easat-1510	157	12	of	of	ADP
easat-1510	157	13	the	the	DET
easat-1510	157	14	purpose	purpose	NOUN
easat-1510	157	15	of	of	ADP
easat-1510	157	16	the	the	DET
easat-1510	157	17	study	study	NOUN
easat-1510	157	18	and	and	CCONJ
easat-1510	157	19	the	the	DET
easat-1510	157	20	rights	right	NOUN
easat-1510	157	21	of	of	ADP
easat-1510	157	22	participating	participate	VERB
easat-1510	157	23	participants	participant	NOUN
easat-1510	157	24	.	.	PUNCT
easat-1510	158	1	no	no	DET
easat-1510	158	2	financial	financial	ADJ
easat-1510	158	3	incentives	incentive	NOUN
easat-1510	158	4	or	or	CCONJ
easat-1510	158	5	other	other	ADJ
easat-1510	158	6	forms	form	NOUN
easat-1510	158	7	of	of	ADP
easat-1510	158	8	reward	reward	NOUN
easat-1510	158	9	were	be	AUX
easat-1510	158	10	offered	offer	VERB
easat-1510	158	11	in	in	ADP
easat-1510	158	12	return	return	NOUN
easat-1510	158	13	for	for	ADP
easat-1510	158	14	participation	participation	NOUN
easat-1510	158	15	.	.	PUNCT
easat-1510	159	1	1339	1339	NUM
easat-1510	159	2	edelweiss	edelweiss	PROPN
easat-1510	159	3	applied	apply	VERB
easat-1510	159	4	science	science	NOUN
easat-1510	159	5	and	and	CCONJ
easat-1510	159	6	technology	technology	NOUN
easat-1510	159	7	issn	issn	PROPN
easat-1510	159	8	:	:	PUNCT
easat-1510	159	9	2576	2576	NUM
easat-1510	159	10	-	-	SYM
easat-1510	159	11	8484	8484	NUM
easat-1510	159	12	vol	vol	NOUN
easat-1510	159	13	.	.	PROPN
easat-1510	159	14	8	8	NUM
easat-1510	159	15	,	,	PUNCT
easat-1510	159	16	no	no	INTJ
easat-1510	159	17	.	.	NOUN
easat-1510	159	18	4	4	NUM
easat-1510	159	19	:	:	SYM
easat-1510	159	20	1333	1333	NUM
easat-1510	159	21	-	-	SYM
easat-1510	159	22	1346	1346	NUM
easat-1510	159	23	,	,	PUNCT
easat-1510	159	24	2024	2024	NUM
easat-1510	159	25	doi	doi	NOUN
easat-1510	159	26	:	:	PUNCT
easat-1510	159	27	10.55214/25768484.v8i4.1510	10.55214/25768484.v8i4.1510	NUM
easat-1510	159	28	©	©	ADP
easat-1510	159	29	2024	2024	NUM
easat-1510	159	30	by	by	ADP
easat-1510	159	31	the	the	DET
easat-1510	159	32	authors	author	NOUN
easat-1510	159	33	;	;	PUNCT
easat-1510	159	34	licensee	licensee	PROPN
easat-1510	159	35	learning	learning	NOUN
easat-1510	159	36	gate	gate	NOUN
easat-1510	159	37	this	this	DET
easat-1510	159	38	result	result	NOUN
easat-1510	159	39	was	be	AUX
easat-1510	159	40	analizedmby	analizedmby	ADV
easat-1510	159	41	pls	pls	INTJ
easat-1510	159	42	for	for	ADP
easat-1510	159	43	structural	structural	ADJ
easat-1510	159	44	question	question	NOUN
easat-1510	159	45	modeling	modeling	NOUN
easat-1510	159	46	(	(	PUNCT
easat-1510	159	47	sem	sem	NOUN
easat-1510	159	48	)	)	PUNCT
easat-1510	159	49	.	.	PUNCT
easat-1510	160	1	pls	pls	VERB
easat-1510	160	2	analysis	analysis	NOUN
easat-1510	160	3	allows	allow	VERB
easat-1510	160	4	processing	processing	NOUN
easat-1510	160	5	data	datum	NOUN
easat-1510	160	6	from	from	ADP
easat-1510	160	7	large	large	ADJ
easat-1510	160	8	samples	sample	NOUN
easat-1510	160	9	,	,	PUNCT
easat-1510	160	10	and	and	CCONJ
easat-1510	160	11	is	be	AUX
easat-1510	160	12	very	very	ADV
easat-1510	160	13	suitable	suitable	ADJ
easat-1510	160	14	for	for	ADP
easat-1510	160	15	theoretically	theoretically	ADV
easat-1510	160	16	based	base	VERB
easat-1510	160	17	models	model	NOUN
easat-1510	160	18	that	that	PRON
easat-1510	160	19	may	may	AUX
easat-1510	160	20	be	be	AUX
easat-1510	160	21	weak	weak	ADJ
easat-1510	160	22	,	,	PUNCT
easat-1510	160	23	and	and	CCONJ
easat-1510	160	24	does	do	AUX
easat-1510	160	25	not	not	PART
easat-1510	160	26	require	require	VERB
easat-1510	160	27	the	the	DET
easat-1510	160	28	assumption	assumption	NOUN
easat-1510	160	29	of	of	ADP
easat-1510	160	30	data	data	NOUN
easat-1510	160	31	normality	normality	NOUN
easat-1510	160	32	(	(	PUNCT
easat-1510	160	33	aguirre	aguirre	PROPN
easat-1510	160	34	-	-	PUNCT
easat-1510	160	35	urreta	urreta	PROPN
easat-1510	160	36	&	&	CCONJ
easat-1510	160	37	rönkkö	rönkkö	ADJ
easat-1510	160	38	,	,	PUNCT
easat-1510	160	39	2015	2015	NUM
easat-1510	160	40	)	)	PUNCT
easat-1510	160	41	.	.	PUNCT
easat-1510	161	1	hair	hair	NOUN
easat-1510	161	2	,	,	PUNCT
easat-1510	161	3	black	black	ADJ
easat-1510	161	4	,	,	PUNCT
easat-1510	161	5	babin	babin	PROPN
easat-1510	161	6	,	,	PUNCT
easat-1510	161	7	&	&	CCONJ
easat-1510	161	8	anderson	anderson	PROPN
easat-1510	161	9	(	(	PUNCT
easat-1510	161	10	2019	2019	NUM
easat-1510	161	11	)	)	PUNCT
easat-1510	161	12	stated	state	VERB
easat-1510	161	13	that	that	SCONJ
easat-1510	161	14	(	(	PUNCT
easat-1510	161	15	sem	sem	NOUN
easat-1510	161	16	)	)	PUNCT
easat-1510	161	17	is	be	AUX
easat-1510	161	18	a	a	DET
easat-1510	161	19	statistical	statistical	ADJ
easat-1510	161	20	method	method	NOUN
easat-1510	161	21	used	use	VERB
easat-1510	161	22	to	to	PART
easat-1510	161	23	test	test	VERB
easat-1510	161	24	and	and	CCONJ
easat-1510	161	25	confirm	confirm	VERB
easat-1510	161	26	correlations	correlation	NOUN
easat-1510	161	27	between	between	ADP
easat-1510	161	28	variables	variable	NOUN
easat-1510	161	29	in	in	ADP
easat-1510	161	30	a	a	DET
easat-1510	161	31	conceptual	conceptual	ADJ
easat-1510	161	32	model	model	NOUN
easat-1510	161	33	.	.	PUNCT
easat-1510	162	1	sem	sem	PROPN
easat-1510	162	2	provides	provide	VERB
easat-1510	162	3	a	a	DET
easat-1510	162	4	statistical	statistical	ADJ
easat-1510	162	5	analysis	analysis	NOUN
easat-1510	162	6	framework	framework	NOUN
easat-1510	162	7	that	that	PRON
easat-1510	162	8	can	can	AUX
easat-1510	162	9	model	model	VERB
easat-1510	162	10	complex	complex	ADJ
easat-1510	162	11	variance	variance	NOUN
easat-1510	162	12	and	and	CCONJ
easat-1510	162	13	covariance	covariance	NOUN
easat-1510	162	14	in	in	ADP
easat-1510	162	15	empirical	empirical	ADJ
easat-1510	162	16	data	datum	NOUN
easat-1510	162	17	(	(	PUNCT
easat-1510	162	18	malhotra	malhotra	PROPN
easat-1510	162	19	et	et	PROPN
easat-1510	162	20	al	al	PROPN
easat-1510	162	21	.	.	PROPN
easat-1510	162	22	,	,	PUNCT
easat-1510	162	23	2017	2017	NUM
easat-1510	162	24	)	)	PUNCT
easat-1510	162	25	.	.	PUNCT
easat-1510	163	1	4	4	X
easat-1510	163	2	.	.	NOUN
easat-1510	163	3	results	result	NOUN
easat-1510	163	4	and	and	CCONJ
easat-1510	163	5	discussion	discussion	NOUN
easat-1510	163	6	4.1	4.1	NUM
easat-1510	163	7	.	.	PUNCT
easat-1510	164	1	descriptive	descriptive	ADJ
easat-1510	164	2	analysis	analysis	NOUN
easat-1510	164	3	the	the	DET
easat-1510	164	4	results	result	NOUN
easat-1510	164	5	had	have	VERB
easat-1510	164	6	a	a	DET
easat-1510	164	7	total	total	NOUN
easat-1510	164	8	of	of	ADP
easat-1510	164	9	381	381	NUM
easat-1510	164	10	participants	participant	NOUN
easat-1510	164	11	during	during	ADP
easat-1510	164	12	the	the	DET
easat-1510	164	13	data	data	NOUN
easat-1510	164	14	collection	collection	NOUN
easat-1510	164	15	period	period	NOUN
easat-1510	164	16	from	from	ADP
easat-1510	164	17	january	january	PROPN
easat-1510	164	18	to	to	ADP
easat-1510	164	19	july	july	PROPN
easat-1510	164	20	2023	2023	NUM
easat-1510	164	21	.	.	PUNCT
easat-1510	165	1	filtering	filtering	NOUN
easat-1510	165	2	resulted	result	VERB
easat-1510	165	3	in	in	ADP
easat-1510	165	4	a	a	DET
easat-1510	165	5	final	final	ADJ
easat-1510	165	6	tally	tally	NOUN
easat-1510	165	7	of	of	ADP
easat-1510	165	8	200	200	NUM
easat-1510	165	9	participants	participant	NOUN
easat-1510	165	10	whose	whose	DET
easat-1510	165	11	data	datum	NOUN
easat-1510	165	12	were	be	AUX
easat-1510	165	13	ready	ready	ADJ
easat-1510	165	14	for	for	ADP
easat-1510	165	15	processing	processing	NOUN
easat-1510	165	16	.	.	PUNCT
easat-1510	166	1	the	the	DET
easat-1510	166	2	majority	majority	NOUN
easat-1510	166	3	of	of	ADP
easat-1510	166	4	the	the	DET
easat-1510	166	5	participants	participant	NOUN
easat-1510	166	6	(	(	PUNCT
easat-1510	166	7	53.5	53.5	NUM
easat-1510	166	8	percentage	percentage	NOUN
easat-1510	166	9	)	)	PUNCT
easat-1510	166	10	were	be	AUX
easat-1510	166	11	males	male	NOUN
easat-1510	166	12	,	,	PUNCT
easat-1510	166	13	while	while	SCONJ
easat-1510	166	14	41.5	41.5	NUM
easat-1510	166	15	percentage	percentage	NOUN
easat-1510	166	16	were	be	AUX
easat-1510	166	17	females	female	NOUN
easat-1510	166	18	.	.	PUNCT
easat-1510	167	1	a	a	DET
easat-1510	167	2	total	total	NOUN
easat-1510	167	3	of	of	ADP
easat-1510	167	4	178	178	NUM
easat-1510	167	5	participants	participant	NOUN
easat-1510	167	6	(	(	PUNCT
easat-1510	167	7	88	88	NUM
easat-1510	167	8	percentage	percentage	NOUN
easat-1510	167	9	)	)	PUNCT
easat-1510	167	10	were	be	AUX
easat-1510	167	11	20	20	NUM
easat-1510	167	12	to	to	PART
easat-1510	167	13	50	50	NUM
easat-1510	167	14	years	year	NOUN
easat-1510	167	15	old	old	ADJ
easat-1510	167	16	.	.	PUNCT
easat-1510	168	1	similarly	similarly	ADV
easat-1510	168	2	,	,	PUNCT
easat-1510	168	3	most	most	ADJ
easat-1510	168	4	of	of	ADP
easat-1510	168	5	the	the	DET
easat-1510	168	6	participants	participant	NOUN
easat-1510	168	7	(	(	PUNCT
easat-1510	168	8	93	93	NUM
easat-1510	168	9	percentage	percentage	NOUN
easat-1510	168	10	)	)	PUNCT
easat-1510	168	11	experienced	experience	VERB
easat-1510	168	12	using	use	VERB
easat-1510	168	13	fintech	fintech	NOUN
easat-1510	168	14	for	for	ADP
easat-1510	168	15	more	more	ADJ
easat-1510	168	16	than	than	ADP
easat-1510	168	17	2	2	NUM
easat-1510	168	18	years	year	NOUN
easat-1510	168	19	.	.	PUNCT
easat-1510	169	1	as	as	SCONJ
easat-1510	169	2	noted	note	VERB
easat-1510	169	3	in	in	ADP
easat-1510	169	4	table	table	NOUN
easat-1510	169	5	1	1	NUM
easat-1510	169	6	,	,	PUNCT
easat-1510	169	7	the	the	DET
easat-1510	169	8	mean	mean	ADJ
easat-1510	169	9	scores	score	NOUN
easat-1510	169	10	for	for	ADP
easat-1510	169	11	all	all	DET
easat-1510	169	12	constructs	construct	NOUN
easat-1510	169	13	show	show	VERB
easat-1510	169	14	numbers	number	NOUN
easat-1510	169	15	above	above	ADP
easat-1510	169	16	3.5	3.5	NUM
easat-1510	169	17	,	,	PUNCT
easat-1510	169	18	with	with	ADP
easat-1510	169	19	a	a	DET
easat-1510	169	20	range	range	NOUN
easat-1510	169	21	between	between	ADP
easat-1510	169	22	4.48	4.48	NUM
easat-1510	169	23	to	to	PART
easat-1510	169	24	5.5	5.5	NUM
easat-1510	169	25	in	in	ADP
easat-1510	169	26	the	the	DET
easat-1510	169	27	lebanese	lebanese	ADJ
easat-1510	169	28	sample	sample	NOUN
easat-1510	169	29	,	,	PUNCT
easat-1510	169	30	while	while	SCONJ
easat-1510	169	31	the	the	DET
easat-1510	169	32	mean	mean	NOUN
easat-1510	169	33	scores	score	NOUN
easat-1510	169	34	vary	vary	VERB
easat-1510	169	35	between	between	ADP
easat-1510	169	36	18	18	NUM
easat-1510	169	37	and	and	CCONJ
easat-1510	169	38	65.637	65.637	NUM
easat-1510	169	39	.	.	PUNCT
easat-1510	170	1	this	this	PRON
easat-1510	170	2	reflects	reflect	VERB
easat-1510	170	3	that	that	SCONJ
easat-1510	170	4	the	the	DET
easat-1510	170	5	majority	majority	NOUN
easat-1510	170	6	of	of	ADP
easat-1510	170	7	participants	participant	NOUN
easat-1510	170	8	overall	overall	ADV
easat-1510	170	9	gave	give	VERB
easat-1510	170	10	positive	positive	ADJ
easat-1510	170	11	responses	response	NOUN
easat-1510	170	12	to	to	ADP
easat-1510	170	13	the	the	DET
easat-1510	170	14	factors	factor	NOUN
easat-1510	170	15	measured	measure	VERB
easat-1510	170	16	in	in	ADP
easat-1510	170	17	this	this	DET
easat-1510	170	18	study	study	NOUN
easat-1510	170	19	.	.	PUNCT
easat-1510	171	1	additionally	additionally	ADV
easat-1510	171	2	,	,	PUNCT
easat-1510	171	3	the	the	DET
easat-1510	171	4	normal	normal	ADJ
easat-1510	171	5	range	range	NOUN
easat-1510	171	6	for	for	ADP
easat-1510	171	7	skewness	skewness	NOUN
easat-1510	171	8	and	and	CCONJ
easat-1510	171	9	kurtosis	kurtosis	VERB
easat-1510	171	10	scores	score	NOUN
easat-1510	171	11	was	be	AUX
easat-1510	171	12	set	set	VERB
easat-1510	171	13	at	at	ADP
easat-1510	171	14	±2.58	±2.58	PROPN
easat-1510	171	15	,	,	PUNCT
easat-1510	171	16	in	in	ADP
easat-1510	171	17	accordance	accordance	NOUN
easat-1510	171	18	with	with	ADP
easat-1510	171	19	the	the	DET
easat-1510	171	20	guidelines	guideline	NOUN
easat-1510	171	21	suggested	suggest	VERB
easat-1510	171	22	by	by	ADP
easat-1510	171	23	tabachnick	tabachnick	NOUN
easat-1510	171	24	and	and	CCONJ
easat-1510	171	25	fidell	fidell	NOUN
easat-1510	171	26	(	(	PUNCT
easat-1510	171	27	2007	2007	NUM
easat-1510	171	28	)	)	PUNCT
easat-1510	171	29	.	.	PUNCT
easat-1510	172	1	therefore	therefore	ADV
easat-1510	172	2	,	,	PUNCT
easat-1510	172	3	all	all	DET
easat-1510	172	4	items	item	NOUN
easat-1510	172	5	in	in	ADP
easat-1510	172	6	the	the	DET
easat-1510	172	7	sample	sample	NOUN
easat-1510	172	8	data	datum	NOUN
easat-1510	172	9	set	set	VERB
easat-1510	172	10	were	be	AUX
easat-1510	172	11	found	find	VERB
easat-1510	172	12	to	to	PART
easat-1510	172	13	have	have	VERB
easat-1510	172	14	a	a	DET
easat-1510	172	15	normal	normal	ADJ
easat-1510	172	16	distribution	distribution	NOUN
easat-1510	172	17	(	(	PUNCT
easat-1510	172	18	i.e.	i.e.	X
easat-1510	172	19	,	,	PUNCT
easat-1510	172	20	<	<	X
easat-1510	172	21	±	±	NUM
easat-1510	172	22	2.58	2.58	NUM
easat-1510	172	23	)	)	PUNCT
easat-1510	172	24	.	.	PUNCT
easat-1510	173	1	specifically	specifically	ADV
easat-1510	173	2	,	,	PUNCT
easat-1510	173	3	the	the	DET
easat-1510	173	4	skewness	skewness	NOUN
easat-1510	173	5	and	and	CCONJ
easat-1510	173	6	kurtosis	kurtosis	NOUN
easat-1510	173	7	indices	index	NOUN
easat-1510	173	8	ranged	range	VERB
easat-1510	173	9	from	from	ADP
easat-1510	173	10	−1.36	−1.36	ADP
easat-1510	173	11	to	to	ADP
easat-1510	173	12	0.116	0.116	NUM
easat-1510	173	13	and	and	CCONJ
easat-1510	173	14	0.614	0.614	NUM
easat-1510	173	15	to	to	ADP
easat-1510	173	16	1.535	1.535	NUM
easat-1510	173	17	respectively	respectively	ADV
easat-1510	173	18	in	in	ADP
easat-1510	173	19	the	the	DET
easat-1510	173	20	sample	sample	NOUN
easat-1510	173	21	.	.	PUNCT
easat-1510	174	1	table	table	NOUN
easat-1510	174	2	1	1	NUM
easat-1510	174	3	.	.	PUNCT
easat-1510	174	4	descriptive	descriptive	ADJ
easat-1510	174	5	statistics	statistic	NOUN
easat-1510	174	6	.	.	PUNCT
easat-1510	175	1	construct	construct	VERB
easat-1510	175	2	mean	mean	PROPN
easat-1510	175	3	median	median	PROPN
easat-1510	175	4	min	min	PROPN
easat-1510	175	5	.	.	PROPN
easat-1510	175	6	max	max	PROPN
easat-1510	175	7	.	.	PROPN
easat-1510	176	1	standard	standard	ADJ
easat-1510	176	2	deviation	deviation	NOUN
easat-1510	176	3	kurtosis	kurtosis	VERB
easat-1510	176	4	skewness	skewness	NOUN
easat-1510	176	5	pe	pe	ADP
easat-1510	176	6	20.495	20.495	NUM
easat-1510	176	7	21	21	NUM
easat-1510	176	8	5	5	NUM
easat-1510	176	9	25	25	NUM
easat-1510	176	10	3.908	3.908	NUM
easat-1510	176	11	1.143	1.143	NUM
easat-1510	176	12	-0.913	-0.913	X
easat-1510	176	13	ee	ee	PROPN
easat-1510	176	14	19.917	19.917	NUM
easat-1510	176	15	20	20	NUM
easat-1510	176	16	9	9	NUM
easat-1510	176	17	25	25	NUM
easat-1510	176	18	3.142	3.142	NUM
easat-1510	176	19	0.486	0.486	NUM
easat-1510	176	20	-0.516	-0.516	NUM
easat-1510	176	21	si	si	PROPN
easat-1510	176	22	18.201	18.201	NUM
easat-1510	176	23	18	18	NUM
easat-1510	176	24	8	8	NUM
easat-1510	176	25	25	25	NUM
easat-1510	176	26	3.341	3.341	NUM
easat-1510	176	27	0.065	0.065	NUM
easat-1510	176	28	-0.087	-0.087	PUNCT
easat-1510	176	29	fc	fc	PROPN
easat-1510	176	30	18.569	18.569	NUM
easat-1510	176	31	19	19	NUM
easat-1510	176	32	8	8	NUM
easat-1510	176	33	25	25	NUM
easat-1510	176	34	3.015	3.015	NUM
easat-1510	176	35	0.304	0.304	NUM
easat-1510	176	36	-0.125	-0.125	NOUN
easat-1510	177	1	hm	hm	INTJ
easat-1510	177	2	18.721	18.721	NUM
easat-1510	177	3	19	19	NUM
easat-1510	177	4	5	5	NUM
easat-1510	177	5	25	25	NUM
easat-1510	177	6	3.72	3.72	NUM
easat-1510	177	7	1.124	1.124	NUM
easat-1510	177	8	-0.738	-0.738	NOUN
easat-1510	177	9	pv	pv	VERB
easat-1510	177	10	18.49	18.49	NUM
easat-1510	177	11	19	19	NUM
easat-1510	177	12	8	8	NUM
easat-1510	177	13	25	25	NUM
easat-1510	177	14	3.177	3.177	NUM
easat-1510	177	15	0.438	0.438	NUM
easat-1510	177	16	-0.288	-0.288	PUNCT
easat-1510	177	17	ha	ha	INTJ
easat-1510	177	18	18.985	18.985	NUM
easat-1510	177	19	20	20	NUM
easat-1510	177	20	6	6	NUM
easat-1510	177	21	25	25	NUM
easat-1510	177	22	3.468	3.468	NUM
easat-1510	177	23	1.012	1.012	NUM
easat-1510	177	24	-0.643	-0.643	NOUN
easat-1510	177	25	esq	esq	PROPN
easat-1510	177	26	73.5	73.5	NUM
easat-1510	177	27	74	74	NUM
easat-1510	177	28	23	23	NUM
easat-1510	177	29	100	100	NUM
easat-1510	177	30	12.172	12.172	NUM
easat-1510	177	31	1.527	1.527	NUM
easat-1510	177	32	-0.638	-0.638	X
easat-1510	177	33	re	re	NUM
easat-1510	177	34	65.637	65.637	NUM
easat-1510	177	35	69	69	NUM
easat-1510	177	36	15	15	NUM
easat-1510	177	37	75	75	NUM
easat-1510	177	38	10.486	10.486	NUM
easat-1510	177	39	4.179	4.179	NUM
easat-1510	177	40	-1.836	-1.836	NOUN
easat-1510	177	41	bi	bi	NOUN
easat-1510	177	42	18	18	NUM
easat-1510	177	43	19	19	NUM
easat-1510	177	44	5	5	NUM
easat-1510	177	45	25	25	NUM
easat-1510	177	46	3.8	3.8	NUM
easat-1510	177	47	0.732	0.732	NUM
easat-1510	177	48	-0.506	-0.506	NOUN
easat-1510	178	1	ub	ub	ADV
easat-1510	179	1	18.51	18.51	NUM
easat-1510	179	2	20	20	NUM
easat-1510	179	3	5	5	NUM
easat-1510	179	4	25	25	NUM
easat-1510	179	5	3.869	3.869	NUM
easat-1510	179	6	1.112	1.112	NUM
easat-1510	179	7	-0.585	-0.585	NUM
easat-1510	179	8	4.2	4.2	NUM
easat-1510	179	9	.	.	PUNCT
easat-1510	180	1	outer	outer	ADJ
easat-1510	180	2	(	(	PUNCT
easat-1510	180	3	measurment	measurment	NOUN
easat-1510	180	4	)	)	PUNCT
easat-1510	180	5	model	model	NOUN
easat-1510	180	6	the	the	DET
easat-1510	180	7	pls	pls	PROPN
easat-1510	180	8	-	-	PUNCT
easat-1510	180	9	sem	sem	NOUN
easat-1510	180	10	analysis	analysis	NOUN
easat-1510	180	11	method	method	NOUN
easat-1510	180	12	purposes	purpose	NOUN
easat-1510	180	13	to	to	PART
easat-1510	180	14	determine	determine	VERB
easat-1510	180	15	the	the	DET
easat-1510	180	16	structural	structural	ADJ
easat-1510	180	17	relationship	relationship	NOUN
easat-1510	180	18	between	between	ADP
easat-1510	180	19	the	the	DET
easat-1510	180	20	independent	independent	ADJ
easat-1510	180	21	and	and	CCONJ
easat-1510	180	22	dependent	dependent	ADJ
easat-1510	180	23	variables	variable	NOUN
easat-1510	180	24	.	.	PUNCT
easat-1510	181	1	the	the	DET
easat-1510	181	2	outer	outer	ADJ
easat-1510	181	3	model	model	NOUN
easat-1510	181	4	analysis	analysis	NOUN
easat-1510	181	5	is	be	AUX
easat-1510	181	6	the	the	DET
easat-1510	181	7	first	first	ADJ
easat-1510	181	8	step	step	NOUN
easat-1510	181	9	in	in	ADP
easat-1510	181	10	pls	pls	NOUN
easat-1510	181	11	-	-	PUNCT
easat-1510	181	12	sem	sem	NOUN
easat-1510	181	13	analysis	analysis	NOUN
easat-1510	181	14	to	to	ADP
easat-1510	181	15	test	test	NOUN
easat-1510	181	16	effectiveness	effectiveness	NOUN
easat-1510	181	17	and	and	CCONJ
easat-1510	181	18	reliability	reliability	NOUN
easat-1510	181	19	(	(	PUNCT
easat-1510	181	20	zeng	zeng	PROPN
easat-1510	181	21	et	et	PROPN
easat-1510	181	22	al	al	PROPN
easat-1510	181	23	.	.	PROPN
easat-1510	181	24	2021	2021	NUM
easat-1510	181	25	)	)	PUNCT
easat-1510	181	26	.	.	PUNCT
easat-1510	182	1	after	after	ADP
easat-1510	182	2	running	run	VERB
easat-1510	182	3	the	the	DET
easat-1510	182	4	data	datum	NOUN
easat-1510	182	5	using	use	VERB
easat-1510	182	6	smartpls	smartpls	NOUN
easat-1510	182	7	software	software	NOUN
easat-1510	182	8	,	,	PUNCT
easat-1510	182	9	the	the	DET
easat-1510	182	10	results	result	NOUN
easat-1510	182	11	indicated	indicate	VERB
easat-1510	182	12	the	the	DET
easat-1510	182	13	suitability	suitability	NOUN
easat-1510	182	14	of	of	ADP
easat-1510	182	15	the	the	DET
easat-1510	182	16	research	research	NOUN
easat-1510	182	17	model	model	NOUN
easat-1510	182	18	,	,	PUNCT
easat-1510	182	19	meeting	meet	VERB
easat-1510	182	20	the	the	DET
easat-1510	182	21	criteria	criterion	NOUN
easat-1510	182	22	for	for	ADP
easat-1510	182	23	an	an	DET
easat-1510	182	24	outer	outer	ADJ
easat-1510	182	25	model	model	NOUN
easat-1510	182	26	in	in	ADP
easat-1510	182	27	smartpls	smartpls	NOUN
easat-1510	182	28	,	,	PUNCT
easat-1510	182	29	namely	namely	ADV
easat-1510	182	30	the	the	DET
easat-1510	182	31	reflective	reflective	ADJ
easat-1510	182	32	model	model	NOUN
easat-1510	182	33	as	as	SCONJ
easat-1510	182	34	measured	measure	VERB
easat-1510	182	35	by	by	ADP
easat-1510	182	36	the	the	DET
easat-1510	182	37	loading	loading	NOUN
easat-1510	182	38	indicators	indicator	NOUN
easat-1510	182	39	(	(	PUNCT
easat-1510	182	40	>	>	X
easat-1510	182	41	0.5	0.5	NUM
easat-1510	182	42	)	)	PUNCT
easat-1510	182	43	,	,	PUNCT
easat-1510	182	44	a	a	DET
easat-1510	182	45	cronbach	cronbach	NOUN
easat-1510	182	46	’s	’s	PART
easat-1510	182	47	alpha	alpha	ADJ
easat-1510	182	48	score	score	NOUN
easat-1510	182	49	>	>	X
easat-1510	182	50	0.7	0.7	NUM
easat-1510	182	51	,	,	PUNCT
easat-1510	182	52	composite	composite	ADJ
easat-1510	182	53	reliability	reliability	NOUN
easat-1510	182	54	of	of	ADP
easat-1510	182	55	>	>	X
easat-1510	182	56	0.7	0.7	NUM
easat-1510	182	57	,	,	PUNCT
easat-1510	182	58	and	and	CCONJ
easat-1510	182	59	ave	ave	VERB
easat-1510	182	60	>	>	PUNCT
easat-1510	182	61	0.5	0.5	NUM
easat-1510	182	62	(	(	PUNCT
easat-1510	182	63	sarstedt	sarstedt	NOUN
easat-1510	182	64	et	et	PROPN
easat-1510	182	65	al	al	PROPN
easat-1510	182	66	.	.	PROPN
easat-1510	182	67	2019	2019	NUM
easat-1510	182	68	)	)	PUNCT
easat-1510	182	69	.	.	PUNCT
easat-1510	183	1	table	table	NOUN
easat-1510	183	2	2	2	NUM
easat-1510	183	3	shows	show	VERB
easat-1510	183	4	a	a	DET
easat-1510	183	5	score	score	NOUN
easat-1510	183	6	of	of	ADP
easat-1510	183	7	>	>	X
easat-1510	183	8	0.5	0.5	NUM
easat-1510	183	9	for	for	ADP
easat-1510	183	10	all	all	PRON
easat-1510	183	11	of	of	ADP
easat-1510	183	12	the	the	DET
easat-1510	183	13	outer	outer	ADJ
easat-1510	183	14	loading	loading	NOUN
easat-1510	183	15	scores	score	NOUN
easat-1510	183	16	.	.	PUNCT
easat-1510	184	1	therefore	therefore	ADV
easat-1510	184	2	,	,	PUNCT
easat-1510	184	3	all	all	DET
easat-1510	184	4	question	question	NOUN
easat-1510	184	5	items	item	NOUN
easat-1510	184	6	could	could	AUX
easat-1510	184	7	be	be	AUX
easat-1510	184	8	maintained	maintain	VERB
easat-1510	184	9	.	.	PUNCT
easat-1510	185	1	all	all	PRON
easat-1510	185	2	of	of	ADP
easat-1510	185	3	the	the	DET
easat-1510	185	4	outer	outer	ADJ
easat-1510	185	5	model	model	NOUN
easat-1510	185	6	results	result	NOUN
easat-1510	185	7	also	also	ADV
easat-1510	185	8	showed	show	VERB
easat-1510	185	9	a	a	DET
easat-1510	185	10	cronbach	cronbach	NOUN
easat-1510	185	11	’s	’s	ADJ
easat-1510	185	12	alpha	alpha	ADJ
easat-1510	185	13	score	score	NOUN
easat-1510	185	14	>	>	X
easat-1510	185	15	0.6	0.6	NUM
easat-1510	185	16	,	,	PUNCT
easat-1510	185	17	composite	composite	ADJ
easat-1510	185	18	reliability	reliability	NOUN
easat-1510	185	19	of	of	ADP
easat-1510	185	20	>	>	X
easat-1510	185	21	0.7	0.7	NUM
easat-1510	185	22	,	,	PUNCT
easat-1510	185	23	and	and	CCONJ
easat-1510	185	24	ave	ave	VERB
easat-1510	185	25	>	>	X
easat-1510	185	26	0.5	0.5	NUM
easat-1510	185	27	;	;	PUNCT
easat-1510	185	28	thus	thus	ADV
easat-1510	185	29	,	,	PUNCT
easat-1510	185	30	all	all	PRON
easat-1510	185	31	of	of	ADP
easat-1510	185	32	the	the	DET
easat-1510	185	33	outer	outer	ADJ
easat-1510	185	34	model	model	NOUN
easat-1510	185	35	criteria	criterion	NOUN
easat-1510	185	36	were	be	AUX
easat-1510	185	37	met	meet	VERB
easat-1510	185	38	.	.	PUNCT
easat-1510	186	1	1340	1340	NUM
easat-1510	186	2	edelweiss	edelweiss	PROPN
easat-1510	186	3	applied	apply	VERB
easat-1510	186	4	science	science	NOUN
easat-1510	186	5	and	and	CCONJ
easat-1510	186	6	technology	technology	NOUN
easat-1510	186	7	issn	issn	PROPN
easat-1510	186	8	:	:	PUNCT
easat-1510	186	9	2576	2576	NUM
easat-1510	186	10	-	-	SYM
easat-1510	186	11	8484	8484	NUM
easat-1510	186	12	vol	vol	NOUN
easat-1510	186	13	.	.	PROPN
easat-1510	186	14	8	8	NUM
easat-1510	186	15	,	,	PUNCT
easat-1510	186	16	no	no	INTJ
easat-1510	186	17	.	.	NOUN
easat-1510	186	18	4	4	NUM
easat-1510	186	19	:	:	SYM
easat-1510	186	20	1333	1333	NUM
easat-1510	186	21	-	-	SYM
easat-1510	186	22	1346	1346	NUM
easat-1510	186	23	,	,	PUNCT
easat-1510	186	24	2024	2024	NUM
easat-1510	186	25	doi	doi	NOUN
easat-1510	186	26	:	:	PUNCT
easat-1510	186	27	10.55214/25768484.v8i4.1510	10.55214/25768484.v8i4.1510	NUM
easat-1510	186	28	©	©	ADP
easat-1510	186	29	2024	2024	NUM
easat-1510	186	30	by	by	ADP
easat-1510	186	31	the	the	DET
easat-1510	186	32	authors	author	NOUN
easat-1510	186	33	;	;	PUNCT
easat-1510	186	34	licensee	licensee	PROPN
easat-1510	186	35	learning	learn	VERB
easat-1510	186	36	gate	gate	NOUN
easat-1510	186	37	table	table	NOUN
easat-1510	186	38	2	2	NUM
easat-1510	186	39	.	.	PUNCT
easat-1510	186	40	measurement	measurement	NOUN
easat-1510	186	41	model	model	PROPN
easat-1510	186	42	.	.	PUNCT
easat-1510	187	1	construct	construct	VERB
easat-1510	187	2	loading	loading	NOUN
easat-1510	187	3	factor	factor	NOUN
easat-1510	187	4	scale	scale	NOUN
easat-1510	187	5	cronbach	cronbach	NOUN
easat-1510	187	6	's	's	PART
easat-1510	187	7	alpha	alpha	NOUN
easat-1510	187	8	rho_a	rho_a	NOUN
easat-1510	187	9	cr	cr	PROPN
easat-1510	187	10	ave	ave	VERB
easat-1510	187	11	pe	pe	PROPN
easat-1510	187	12	0,916	0,916	NUM
easat-1510	187	13	-	-	SYM
easat-1510	187	14	0,946	0,946	NUM
easat-1510	187	15	0,960	0,960	NUM
easat-1510	187	16	0,960	0,960	NUM
easat-1510	187	17	0,969	0,969	NUM
easat-1510	187	18	0,862	0,862	NUM
easat-1510	187	19	ee	ee	ADP
easat-1510	187	20	0,887	0,887	NUM
easat-1510	187	21	-	-	PUNCT
easat-1510	187	22	0,934	0,934	NUM
easat-1510	187	23	0,950	0,950	NUM
easat-1510	187	24	0,951	0,951	NUM
easat-1510	187	25	0,962	0,962	NUM
easat-1510	187	26	0,834	0,834	NUM
easat-1510	188	1	si	si	X
easat-1510	188	2	0,824	0,824	NUM
easat-1510	188	3	-	-	PUNCT
easat-1510	188	4	0,894	0,894	NUM
easat-1510	188	5	0,909	0,909	NUM
easat-1510	188	6	0,910	0,910	NUM
easat-1510	188	7	0,932	0,932	NUM
easat-1510	188	8	0,734	0,734	NUM
easat-1510	188	9	fc	fc	PROPN
easat-1510	188	10	0,846	0,846	PROPN
easat-1510	188	11	-	-	SYM
easat-1510	188	12	0,914	0,914	NUM
easat-1510	188	13	0,921	0,921	NUM
easat-1510	188	14	0,922	0,922	NUM
easat-1510	188	15	0,940	0,940	NUM
easat-1510	188	16	0,760	0,760	NUM
easat-1510	188	17	hm	hm	INTJ
easat-1510	188	18	0,865	0,865	NUM
easat-1510	188	19	-	-	PUNCT
easat-1510	188	20	0,904	0,904	NUM
easat-1510	188	21	0,940	0,940	NUM
easat-1510	188	22	0,942	0,942	NUM
easat-1510	188	23	0,954	0,954	NUM
easat-1510	188	24	0,807	0,807	NUM
easat-1510	188	25	pv	pv	NOUN
easat-1510	188	26	0,832	0,832	NUM
easat-1510	188	27	-	-	SYM
easat-1510	188	28	0,889	0,889	NUM
easat-1510	188	29	0,916	0,916	NUM
easat-1510	188	30	0,920	0,920	NUM
easat-1510	188	31	0,937	0,937	NUM
easat-1510	188	32	0,748	0,748	NUM
easat-1510	189	1	ha	ha	INTJ
easat-1510	189	2	0,800	0,800	PROPN
easat-1510	189	3	-	-	SYM
easat-1510	189	4	0,912	0,912	NUM
easat-1510	189	5	0,901	0,901	NUM
easat-1510	189	6	0,905	0,905	NUM
easat-1510	189	7	0,927	0,927	NUM
easat-1510	189	8	0,717	0,717	NUM
easat-1510	189	9	esq	esq	PROPN
easat-1510	189	10	0,737	0,737	NUM
easat-1510	189	11	-	-	PUNCT
easat-1510	189	12	0,893	0,893	NUM
easat-1510	189	13	0,978	0,978	NUM
easat-1510	189	14	0,979	0,979	NUM
easat-1510	189	15	0,980	0,980	NUM
easat-1510	189	16	0,707	0,707	NUM
easat-1510	189	17	re	re	NOUN
easat-1510	189	18	0,00	0,00	X
easat-1510	189	19	-	-	PUNCT
easat-1510	189	20	0,944	0,944	NUM
easat-1510	189	21	0,989	0,989	NUM
easat-1510	189	22	0,989	0,989	NUM
easat-1510	189	23	0,990	0,990	NUM
easat-1510	189	24	0,864	0,864	NUM
easat-1510	189	25	bi	bi	NOUN
easat-1510	189	26	0,865	0,865	PROPN
easat-1510	189	27	-	-	PUNCT
easat-1510	189	28	0,918	0,918	NUM
easat-1510	189	29	0,928	0,928	NUM
easat-1510	189	30	0,934	0,934	NUM
easat-1510	189	31	0,946	0,946	NUM
easat-1510	189	32	0,780	0,780	NUM
easat-1510	189	33	ub	ub	ADP
easat-1510	189	34	0,832	0,832	NUM
easat-1510	189	35	-	-	PUNCT
easat-1510	189	36	0,0889	0,0889	NOUN
easat-1510	189	37	0,947	0,947	NUM
easat-1510	189	38	0,948	0,948	NUM
easat-1510	189	39	0,960	0,960	NUM
easat-1510	189	40	0,827	0,827	NUM
easat-1510	189	41	figure	figure	NOUN
easat-1510	189	42	2	2	NUM
easat-1510	189	43	.	.	PUNCT
easat-1510	189	44	bootstrapping	bootstrappe	VERB
easat-1510	189	45	output	output	NOUN
easat-1510	189	46	.	.	PUNCT
easat-1510	190	1	1341	1341	NUM
easat-1510	190	2	edelweiss	edelweiss	PROPN
easat-1510	190	3	applied	apply	VERB
easat-1510	190	4	science	science	NOUN
easat-1510	190	5	and	and	CCONJ
easat-1510	190	6	technology	technology	NOUN
easat-1510	190	7	issn	issn	PROPN
easat-1510	190	8	:	:	PUNCT
easat-1510	190	9	2576	2576	NUM
easat-1510	190	10	-	-	SYM
easat-1510	190	11	8484	8484	NUM
easat-1510	190	12	vol	vol	NOUN
easat-1510	190	13	.	.	PROPN
easat-1510	190	14	8	8	NUM
easat-1510	190	15	,	,	PUNCT
easat-1510	190	16	no	no	INTJ
easat-1510	190	17	.	.	NOUN
easat-1510	190	18	4	4	NUM
easat-1510	190	19	:	:	SYM
easat-1510	190	20	1333	1333	NUM
easat-1510	190	21	-	-	SYM
easat-1510	190	22	1346	1346	NUM
easat-1510	190	23	,	,	PUNCT
easat-1510	190	24	2024	2024	NUM
easat-1510	190	25	doi	doi	NOUN
easat-1510	190	26	:	:	PUNCT
easat-1510	190	27	10.55214/25768484.v8i4.1510	10.55214/25768484.v8i4.1510	NUM
easat-1510	190	28	©	©	ADP
easat-1510	190	29	2024	2024	NUM
easat-1510	190	30	by	by	ADP
easat-1510	190	31	the	the	DET
easat-1510	190	32	authors	author	NOUN
easat-1510	190	33	;	;	PUNCT
easat-1510	190	34	licensee	licensee	PROPN
easat-1510	190	35	learning	learning	NOUN
easat-1510	190	36	gate	gate	NOUN
easat-1510	190	37	4.3	4.3	NUM
easat-1510	190	38	.	.	PUNCT
easat-1510	191	1	inner	inner	ADJ
easat-1510	191	2	(	(	PUNCT
easat-1510	191	3	structural	structural	ADJ
easat-1510	191	4	)	)	PUNCT
easat-1510	191	5	model	model	NOUN
easat-1510	191	6	after	after	ADP
easat-1510	191	7	testing	test	VERB
easat-1510	191	8	the	the	DET
easat-1510	191	9	measurement	measurement	NOUN
easat-1510	191	10	(	(	PUNCT
easat-1510	191	11	outer	outer	ADJ
easat-1510	191	12	)	)	PUNCT
easat-1510	191	13	model	model	NOUN
easat-1510	191	14	,	,	PUNCT
easat-1510	191	15	the	the	DET
easat-1510	191	16	next	next	ADJ
easat-1510	191	17	step	step	NOUN
easat-1510	191	18	is	be	AUX
easat-1510	191	19	to	to	PART
easat-1510	191	20	test	test	VERB
easat-1510	191	21	the	the	DET
easat-1510	191	22	structural	structural	ADJ
easat-1510	191	23	(	(	PUNCT
easat-1510	191	24	inner	inner	ADJ
easat-1510	191	25	)	)	PUNCT
easat-1510	191	26	model	model	NOUN
easat-1510	191	27	to	to	PART
easat-1510	191	28	determine	determine	VERB
easat-1510	191	29	whether	whether	SCONJ
easat-1510	191	30	a	a	DET
easat-1510	191	31	hypothesis	hypothesis	NOUN
easat-1510	191	32	is	be	AUX
easat-1510	191	33	accepted	accept	VERB
easat-1510	191	34	or	or	CCONJ
easat-1510	191	35	unaccepted	unaccepte	VERB
easat-1510	191	36	.	.	PUNCT
easat-1510	192	1	the	the	DET
easat-1510	192	2	structural	structural	ADJ
easat-1510	192	3	model	model	NOUN
easat-1510	192	4	analysis	analysis	NOUN
easat-1510	192	5	comprises	comprise	VERB
easat-1510	192	6	several	several	ADJ
easat-1510	192	7	stages	stage	NOUN
easat-1510	192	8	of	of	ADP
easat-1510	192	9	testing	testing	NOUN
easat-1510	192	10	.	.	PUNCT
easat-1510	193	1	the	the	DET
easat-1510	193	2	first	first	ADJ
easat-1510	193	3	step	step	NOUN
easat-1510	193	4	is	be	AUX
easat-1510	193	5	to	to	PART
easat-1510	193	6	test	test	VERB
easat-1510	193	7	the	the	DET
easat-1510	193	8	coefficient	coefficient	NOUN
easat-1510	193	9	of	of	ADP
easat-1510	193	10	determination	determination	NOUN
easat-1510	193	11	(	(	PUNCT
easat-1510	193	12	r2	r2	PROPN
easat-1510	193	13	)	)	PUNCT
easat-1510	193	14	.	.	PUNCT
easat-1510	194	1	a	a	DET
easat-1510	194	2	more	more	ADJ
easat-1510	194	3	effect	effect	NOUN
easat-1510	194	4	r2	r2	NOUN
easat-1510	194	5	score	score	NOUN
easat-1510	194	6	indicates	indicate	VERB
easat-1510	194	7	a	a	DET
easat-1510	194	8	better	well	ADJ
easat-1510	194	9	level	level	NOUN
easat-1510	194	10	of	of	ADP
easat-1510	194	11	determination	determination	NOUN
easat-1510	194	12	,	,	PUNCT
easat-1510	194	13	with	with	ADP
easat-1510	194	14	three	three	NUM
easat-1510	194	15	categories	category	NOUN
easat-1510	194	16	of	of	ADP
easat-1510	194	17	effect	effect	NOUN
easat-1510	194	18	:	:	PUNCT
easat-1510	194	19	substantive	substantive	ADJ
easat-1510	194	20	(	(	PUNCT
easat-1510	194	21	0.67	0.67	NUM
easat-1510	194	22	)	)	PUNCT
easat-1510	194	23	,	,	PUNCT
easat-1510	194	24	moderate	moderate	ADJ
easat-1510	194	25	(	(	PUNCT
easat-1510	194	26	0.33	0.33	NUM
easat-1510	194	27	)	)	PUNCT
easat-1510	194	28	,	,	PUNCT
easat-1510	194	29	and	and	CCONJ
easat-1510	194	30	weak	weak	ADJ
easat-1510	194	31	(	(	PUNCT
easat-1510	194	32	0.19	0.19	NUM
easat-1510	194	33	)	)	PUNCT
easat-1510	194	34	(	(	PUNCT
easat-1510	194	35	memon	memon	PROPN
easat-1510	194	36	et	et	PROPN
easat-1510	194	37	al	al	PROPN
easat-1510	194	38	.	.	PROPN
easat-1510	194	39	2021	2021	NUM
easat-1510	194	40	)	)	PUNCT
easat-1510	194	41	.	.	PUNCT
easat-1510	195	1	the	the	DET
easat-1510	195	2	results	result	NOUN
easat-1510	195	3	of	of	ADP
easat-1510	195	4	the	the	DET
easat-1510	195	5	r	r	NOUN
easat-1510	195	6	-	-	PUNCT
easat-1510	195	7	squared	square	VERB
easat-1510	195	8	test	test	NOUN
easat-1510	195	9	in	in	ADP
easat-1510	195	10	table	table	NOUN
easat-1510	195	11	3	3	NUM
easat-1510	195	12	show	show	VERB
easat-1510	195	13	that	that	SCONJ
easat-1510	195	14	0.945	0.945	NUM
easat-1510	195	15	or	or	CCONJ
easat-1510	195	16	94,5	94,5	NUM
easat-1510	195	17	%	%	NOUN
easat-1510	195	18	(	(	PUNCT
easat-1510	195	19	subtantive	subtantive	NOUN
easat-1510	195	20	)	)	PUNCT
easat-1510	195	21	of	of	ADP
easat-1510	195	22	the	the	DET
easat-1510	195	23	variance	variance	NOUN
easat-1510	195	24	in	in	ADP
easat-1510	195	25	the	the	DET
easat-1510	195	26	endogenous	endogenous	ADJ
easat-1510	195	27	variable	variable	NOUN
easat-1510	195	28	.	.	PUNCT
easat-1510	196	1	fintech	fintech	NOUN
easat-1510	196	2	of	of	ADP
easat-1510	196	3	sharia	sharia	PROPN
easat-1510	196	4	adoption	adoption	NOUN
easat-1510	196	5	is	be	AUX
easat-1510	196	6	influenced	influence	VERB
easat-1510	196	7	by	by	ADP
easat-1510	196	8	the	the	DET
easat-1510	196	9	accompanying	accompanying	ADJ
easat-1510	196	10	exogenous	exogenous	ADJ
easat-1510	196	11	variables	variable	NOUN
easat-1510	196	12	.	.	PUNCT
easat-1510	197	1	additionally	additionally	ADV
easat-1510	197	2	,	,	PUNCT
easat-1510	197	3	82	82	NUM
easat-1510	197	4	%	%	NOUN
easat-1510	197	5	(	(	PUNCT
easat-1510	197	6	subtantive	subtantive	NOUN
easat-1510	197	7	)	)	PUNCT
easat-1510	197	8	of	of	ADP
easat-1510	197	9	the	the	DET
easat-1510	197	10	endogenous	endogenous	ADJ
easat-1510	197	11	variable	variable	ADJ
easat-1510	197	12	use	use	NOUN
easat-1510	197	13	action	action	NOUN
easat-1510	197	14	of	of	ADP
easat-1510	197	15	fintech	fintech	NOUN
easat-1510	197	16	of	of	ADP
easat-1510	197	17	shariay	shariay	NOUN
easat-1510	197	18	is	be	AUX
easat-1510	197	19	influenced	influence	VERB
easat-1510	197	20	by	by	ADP
easat-1510	197	21	the	the	DET
easat-1510	197	22	accompanying	accompanying	ADJ
easat-1510	197	23	exogenous	exogenous	ADJ
easat-1510	197	24	variables	variable	NOUN
easat-1510	197	25	.	.	PUNCT
easat-1510	198	1	structural	structural	ADJ
easat-1510	198	2	model	model	NOUN
easat-1510	198	3	hypothesis	hypothesis	NOUN
easat-1510	198	4	testing	testing	NOUN
easat-1510	198	5	in	in	ADP
easat-1510	198	6	plssem	plssem	PROPN
easat-1510	198	7	uses	use	NOUN
easat-1510	198	8	bootstrapping	bootstrappe	VERB
easat-1510	198	9	,	,	PUNCT
easat-1510	198	10	which	which	PRON
easat-1510	198	11	produces	produce	VERB
easat-1510	198	12	a	a	DET
easat-1510	198	13	t	t	PROPN
easat-1510	198	14	-	-	PUNCT
easat-1510	198	15	statistics	statistic	NOUN
easat-1510	198	16	score	score	NOUN
easat-1510	198	17	.	.	PUNCT
easat-1510	199	1	if	if	SCONJ
easat-1510	199	2	the	the	DET
easat-1510	199	3	t	t	PROPN
easat-1510	199	4	-	-	PUNCT
easat-1510	199	5	statistic	statistic	NOUN
easat-1510	199	6	score	score	NOUN
easat-1510	199	7	obtained	obtain	VERB
easat-1510	199	8	is	be	AUX
easat-1510	199	9	more	more	ADJ
easat-1510	199	10	effect	effect	NOUN
easat-1510	199	11	than	than	ADP
easat-1510	199	12	the	the	DET
easat-1510	199	13	t	t	NOUN
easat-1510	199	14	-	-	PUNCT
easat-1510	199	15	table	table	NOUN
easat-1510	199	16	with	with	ADP
easat-1510	199	17	a	a	DET
easat-1510	199	18	95	95	NUM
easat-1510	199	19	%	%	NOUN
easat-1510	199	20	confidence	confidence	NOUN
easat-1510	199	21	level	level	NOUN
easat-1510	199	22	(	(	PUNCT
easat-1510	199	23	>	>	NOUN
easat-1510	199	24	1.96	1.96	NUM
easat-1510	199	25	)	)	PUNCT
easat-1510	199	26	,	,	PUNCT
easat-1510	199	27	the	the	DET
easat-1510	199	28	effect	effect	NOUN
easat-1510	199	29	is	be	AUX
easat-1510	199	30	effect	effect	NOUN
easat-1510	199	31	(	(	PUNCT
easat-1510	199	32	hair	hair	NOUN
easat-1510	199	33	et	et	PROPN
easat-1510	199	34	al	al	PROPN
easat-1510	199	35	.	.	PROPN
easat-1510	199	36	2017	2017	NUM
easat-1510	199	37	)	)	PUNCT
easat-1510	199	38	.	.	PUNCT
easat-1510	200	1	structural	structural	ADJ
easat-1510	200	2	(	(	PUNCT
easat-1510	200	3	inner	inner	ADJ
easat-1510	200	4	)	)	PUNCT
easat-1510	200	5	model	model	NOUN
easat-1510	200	6	analysis	analysis	NOUN
easat-1510	200	7	was	be	AUX
easat-1510	200	8	carried	carry	VERB
easat-1510	200	9	out	out	ADP
easat-1510	200	10	using	use	VERB
easat-1510	200	11	the	the	DET
easat-1510	200	12	bootstrapping	bootstrappe	VERB
easat-1510	200	13	procedure	procedure	NOUN
easat-1510	200	14	in	in	ADP
easat-1510	200	15	smartpls	smartpls	PROPN
easat-1510	200	16	3.0	3.0	NUM
easat-1510	200	17	.	.	PUNCT
easat-1510	201	1	figure	figure	NOUN
easat-1510	201	2	2	2	NUM
easat-1510	201	3	illustrates	illustrate	VERB
easat-1510	201	4	the	the	DET
easat-1510	201	5	pls	pls	PROPN
easat-1510	201	6	-	-	PUNCT
easat-1510	201	7	sem	sem	NOUN
easat-1510	201	8	bootstrapping	bootstrappe	VERB
easat-1510	201	9	procedure	procedure	NOUN
easat-1510	201	10	output	output	NOUN
easat-1510	201	11	from	from	ADP
easat-1510	201	12	smartpls	smartpls	PROPN
easat-1510	201	13	3.0	3.0	NUM
easat-1510	201	14	.	.	PUNCT
easat-1510	202	1	table	table	NOUN
easat-1510	202	2	3	3	NUM
easat-1510	202	3	.	.	PUNCT
easat-1510	202	4	path	path	PROPN
easat-1510	202	5	coefficient	coefficient	PROPN
easat-1510	202	6	.	.	PUNCT
easat-1510	203	1	hypothesis	hypothesis	NOUN
easat-1510	203	2	constructs	construct	VERB
easat-1510	203	3			PROPN
easat-1510	203	4	t	t	PROPN
easat-1510	203	5	-	-	PUNCT
easat-1510	203	6	statistics	statistic	NOUN
easat-1510	203	7	p	p	ADJ
easat-1510	203	8	-	-	PUNCT
easat-1510	203	9	scores	score	NOUN
easat-1510	203	10	decision	decision	NOUN
easat-1510	203	11	r	r	NOUN
easat-1510	203	12	squared	square	VERB
easat-1510	203	13	h1	h1	NOUN
easat-1510	203	14	pe	pe	PROPN
easat-1510	203	15	→	→	NOUN
easat-1510	203	16	bi	bi	NOUN
easat-1510	203	17	0,100	0,100	NUM
easat-1510	203	18	0,929	0,929	NUM
easat-1510	203	19	0,354	0,354	NUM
easat-1510	203	20	unaccepted	unaccepte	VERB
easat-1510	203	21	0,945	0,945	NUM
easat-1510	203	22	h2	h2	NOUN
easat-1510	203	23	ee	ee	PROPN
easat-1510	203	24	→	→	SYM
easat-1510	203	25	bi	bi	NOUN
easat-1510	203	26	0,138	0,138	NUM
easat-1510	203	27	2,666	2,666	NUM
easat-1510	203	28	0,008	0,008	NUM
easat-1510	203	29	accepted	accept	VERB
easat-1510	203	30	h3	h3	NOUN
easat-1510	203	31	si	si	X
easat-1510	203	32	→	→	SYM
easat-1510	203	33	bi	bi	NOUN
easat-1510	203	34	0,084	0,084	NUM
easat-1510	203	35	2,778	2,778	NUM
easat-1510	203	36	0,006	0,006	NUM
easat-1510	203	37	accepted	accept	VERB
easat-1510	203	38	h4	h4	PROPN
easat-1510	203	39	fc	fc	PROPN
easat-1510	204	1	→	→	SYM
easat-1510	204	2	bi	bi	NOUN
easat-1510	204	3	0,073	0,073	NUM
easat-1510	204	4	0,289	0,289	NUM
easat-1510	204	5	0,773	0,773	NUM
easat-1510	204	6	unaccepted	unaccepte	VERB
easat-1510	204	7	h5	h5	PROPN
easat-1510	204	8	hm→	hm→	PROPN
easat-1510	204	9	bi	bi	NOUN
easat-1510	204	10	0,089	0,089	NUM
easat-1510	204	11	2,090	2,090	NUM
easat-1510	204	12	0,037	0,037	NUM
easat-1510	204	13	accepted	accept	VERB
easat-1510	204	14	h6	h6	PROPN
easat-1510	204	15	pv	pv	PROPN
easat-1510	205	1	→	→	SYM
easat-1510	205	2	bi	bi	NOUN
easat-1510	205	3	0,062	0,062	NUM
easat-1510	205	4	0,733	0,733	NUM
easat-1510	205	5	0,464	0,464	NUM
easat-1510	205	6	unaccepted	unaccepte	VERB
easat-1510	205	7	h7	h7	PROPN
easat-1510	205	8	ha→	ha→	NOUN
easat-1510	205	9	bi	bi	PROPN
easat-1510	205	10	0,068	0,068	NUM
easat-1510	205	11	0,627	0,627	NUM
easat-1510	205	12	0,531	0,531	NUM
easat-1510	205	13	unaccepted	unaccepted	ADJ
easat-1510	205	14	h11	h11	PROPN
easat-1510	205	15	esq	esq	PROPN
easat-1510	205	16	→	→	PROPN
easat-1510	205	17	bi	bi	PROPN
easat-1510	205	18	0,063	0,063	NUM
easat-1510	205	19	2,862	2,862	NUM
easat-1510	205	20	0,004	0,004	NUM
easat-1510	205	21	accepted	accept	VERB
easat-1510	205	22	h12	h12	NOUN
easat-1510	205	23	re	re	ADP
easat-1510	205	24	→	→	PROPN
easat-1510	205	25	bi	bi	NOUN
easat-1510	205	26	0,092	0,092	NUM
easat-1510	205	27	2,547	2,547	NUM
easat-1510	205	28	0,011	0,011	NUM
easat-1510	205	29	accepted	accept	VERB
easat-1510	205	30	h13	h13	NOUN
easat-1510	205	31	bi	bi	NOUN
easat-1510	205	32	→	→	SYM
easat-1510	205	33	ub	ub	ADP
easat-1510	205	34	0,123	0,123	NUM
easat-1510	205	35	5,422	5,422	NUM
easat-1510	205	36	0,000	0,000	NUM
easat-1510	205	37	accepted	accept	VERB
easat-1510	205	38	0,820	0,820	NUM
easat-1510	205	39	the	the	DET
easat-1510	205	40	results	result	NOUN
easat-1510	205	41	of	of	ADP
easat-1510	205	42	the	the	DET
easat-1510	205	43	structural	structural	ADJ
easat-1510	205	44	model	model	NOUN
easat-1510	205	45	revealed	reveal	VERB
easat-1510	205	46	that	that	SCONJ
easat-1510	205	47	actional	actional	ADJ
easat-1510	205	48	desire	desire	NOUN
easat-1510	205	49	to	to	PART
easat-1510	205	50	use	use	VERB
easat-1510	205	51	(	(	PUNCT
easat-1510	205	52	bi	bi	NOUN
easat-1510	205	53	)	)	PUNCT
easat-1510	205	54	is	be	AUX
easat-1510	205	55	jointly	jointly	ADV
easat-1510	205	56	predicted	predict	VERB
easat-1510	205	57	by	by	ADP
easat-1510	205	58	effort	effort	NOUN
easat-1510	205	59	expectancy	expectancy	NOUN
easat-1510	205	60	(	(	PUNCT
easat-1510	205	61	ee	ee	PROPN
easat-1510	205	62	)	)	PUNCT
easat-1510	205	63	,	,	PUNCT
easat-1510	205	64	social	social	ADJ
easat-1510	205	65	influences	influence	NOUN
easat-1510	205	66	(	(	PUNCT
easat-1510	205	67	si	si	NOUN
easat-1510	205	68	)	)	PUNCT
easat-1510	205	69	,	,	PUNCT
easat-1510	205	70	hedonic	hedonic	ADJ
easat-1510	205	71	motivation	motivation	NOUN
easat-1510	205	72	(	(	PUNCT
easat-1510	205	73	hm	hm	INTJ
easat-1510	205	74	)	)	PUNCT
easat-1510	205	75	,	,	PUNCT
easat-1510	205	76	es	es	ADJ
easat-1510	205	77	-	-	ADJ
easat-1510	205	78	qual	qual	ADJ
easat-1510	205	79	(	(	PUNCT
easat-1510	205	80	esq	esq	PROPN
easat-1510	205	81	)	)	PUNCT
easat-1510	205	82	,	,	PUNCT
easat-1510	205	83	and	and	CCONJ
easat-1510	205	84	religiosity	religiosity	NOUN
easat-1510	205	85	(	(	PUNCT
easat-1510	205	86	re	re	NOUN
easat-1510	205	87	)	)	PUNCT
easat-1510	205	88	.	.	PUNCT
easat-1510	206	1	thus	thus	ADV
easat-1510	206	2	,	,	PUNCT
easat-1510	206	3	use	use	VERB
easat-1510	206	4	action	action	NOUN
easat-1510	206	5	(	(	PUNCT
easat-1510	206	6	ub	ub	ADJ
easat-1510	206	7	)	)	PUNCT
easat-1510	206	8	of	of	ADP
easat-1510	206	9	fintech	fintech	NOUN
easat-1510	206	10	of	of	ADP
easat-1510	206	11	sharia	sharia	PROPN
easat-1510	206	12	predicted	predict	VERB
easat-1510	206	13	by	by	ADP
easat-1510	206	14	actional	actional	ADJ
easat-1510	206	15	desire	desire	NOUN
easat-1510	206	16	(	(	PUNCT
easat-1510	206	17	bi	bi	NOUN
easat-1510	206	18	)	)	PUNCT
easat-1510	206	19	.	.	PUNCT
easat-1510	207	1	effort	effort	NOUN
easat-1510	207	2	expectancy	expectancy	NOUN
easat-1510	207	3	,	,	PUNCT
easat-1510	207	4	social	social	ADJ
easat-1510	207	5	influences	influence	NOUN
easat-1510	207	6	,	,	PUNCT
easat-1510	207	7	and	and	CCONJ
easat-1510	207	8	hedonic	hedonic	ADJ
easat-1510	207	9	motivation	motivation	NOUN
easat-1510	207	10	had	have	VERB
easat-1510	207	11	a	a	DET
easat-1510	207	12	positive	positive	ADJ
easat-1510	207	13	influence	influence	NOUN
easat-1510	207	14	on	on	ADP
easat-1510	207	15	the	the	DET
easat-1510	207	16	user	user	NOUN
easat-1510	207	17	desire	desire	NOUN
easat-1510	207	18	to	to	PART
easat-1510	207	19	adopt	adopt	VERB
easat-1510	207	20	fintech	fintech	NOUN
easat-1510	207	21	(	(	PUNCT
easat-1510	207	22	β	β	X
easat-1510	207	23	=	=	SYM
easat-1510	207	24	0.138	0.138	NUM
easat-1510	207	25	,	,	PUNCT
easat-1510	207	26	t	t	NOUN
easat-1510	207	27	-	-	PUNCT
easat-1510	207	28	score	score	NOUN
easat-1510	207	29	=	=	VERB
easat-1510	207	30	2.666	2.666	NUM
easat-1510	207	31	,	,	PUNCT
easat-1510	207	32	effect	effect	NOUN
easat-1510	207	33	p<0.005	p<0.005	NOUN
easat-1510	208	1	⁄	⁄	ADP
easat-1510	208	2	β	β	X
easat-1510	208	3	=	=	SYM
easat-1510	208	4	0.084	0.084	NUM
easat-1510	208	5	,	,	PUNCT
easat-1510	208	6	t	t	NOUN
easat-1510	208	7	-	-	PUNCT
easat-1510	208	8	score	score	NOUN
easat-1510	208	9	=	=	NOUN
easat-1510	208	10	2.778	2.778	NUM
easat-1510	209	1	,	,	PUNCT
easat-1510	209	2	effect	effect	NOUN
easat-1510	209	3	p<0.005	p<0.005	NOUN
easat-1510	209	4	⁄	⁄	ADJ
easat-1510	209	5	β	β	X
easat-1510	209	6	=	=	SYM
easat-1510	209	7	0.089	0.089	NUM
easat-1510	209	8	,	,	PUNCT
easat-1510	209	9	t	t	NOUN
easat-1510	209	10	-	-	PUNCT
easat-1510	209	11	score	score	NOUN
easat-1510	209	12	=	=	NOUN
easat-1510	209	13	2.090	2.090	NUM
easat-1510	209	14	,	,	PUNCT
easat-1510	209	15	effect	effect	NOUN
easat-1510	209	16	p<0.005	p<0.005	NOUN
easat-1510	209	17	)	)	PUNCT
easat-1510	209	18	,	,	PUNCT
easat-1510	209	19	hence	hence	ADV
easat-1510	209	20	supporting	support	VERB
easat-1510	209	21	h2	h2	NOUN
easat-1510	209	22	,	,	PUNCT
easat-1510	209	23	h3	h3	NOUN
easat-1510	209	24	and	and	CCONJ
easat-1510	209	25	h5	h5	NOUN
easat-1510	209	26	.	.	PUNCT
easat-1510	210	1	similarly	similarly	ADV
easat-1510	210	2	,	,	PUNCT
easat-1510	210	3	es	es	ADJ
easat-1510	210	4	-	-	ADJ
easat-1510	210	5	qual	qual	ADJ
easat-1510	210	6	and	and	CCONJ
easat-1510	210	7	religiosity	religiosity	NOUN
easat-1510	210	8	had	have	VERB
easat-1510	210	9	a	a	DET
easat-1510	210	10	effect	effect	NOUN
easat-1510	210	11	influence	influence	NOUN
easat-1510	210	12	on	on	ADP
easat-1510	210	13	the	the	DET
easat-1510	210	14	user	user	NOUN
easat-1510	210	15	desire	desire	NOUN
easat-1510	210	16	to	to	PART
easat-1510	210	17	adopt	adopt	VERB
easat-1510	210	18	fintech	fintech	NOUN
easat-1510	210	19	(	(	PUNCT
easat-1510	210	20	β	β	X
easat-1510	210	21	=	=	SYM
easat-1510	210	22	0.063	0.063	NUM
easat-1510	210	23	,	,	PUNCT
easat-1510	210	24	t	t	NOUN
easat-1510	210	25	-	-	PUNCT
easat-1510	210	26	score	score	NOUN
easat-1510	210	27	=	=	NOUN
easat-1510	210	28	2.862	2.862	NUM
easat-1510	210	29	,	,	PUNCT
easat-1510	210	30	effect	effect	NOUN
easat-1510	210	31	p<0.005	p<0.005	NOUN
easat-1510	211	1	⁄	⁄	ADP
easat-1510	211	2	β	β	X
easat-1510	211	3	=	=	SYM
easat-1510	211	4	0.092	0.092	NUM
easat-1510	211	5	,	,	PUNCT
easat-1510	211	6	t	t	NOUN
easat-1510	211	7	-	-	PUNCT
easat-1510	211	8	score	score	NOUN
easat-1510	211	9	=	=	NOUN
easat-1510	211	10	2.547	2.547	NUM
easat-1510	211	11	,	,	PUNCT
easat-1510	211	12	effect	effect	NOUN
easat-1510	211	13	p<0.005	p<0.005	NOUN
easat-1510	211	14	)	)	PUNCT
easat-1510	211	15	,	,	PUNCT
easat-1510	211	16	thus	thus	ADV
easat-1510	211	17	confirming	confirm	VERB
easat-1510	211	18	h1	h1	NOUN
easat-1510	211	19	and	and	CCONJ
easat-1510	211	20	h12	h12	NOUN
easat-1510	211	21	.	.	PUNCT
easat-1510	212	1	finally	finally	ADV
easat-1510	212	2	,	,	PUNCT
easat-1510	212	3	actional	actional	ADJ
easat-1510	212	4	desire	desire	NOUN
easat-1510	212	5	to	to	PART
easat-1510	212	6	use	use	VERB
easat-1510	212	7	(	(	PUNCT
easat-1510	212	8	bi	bi	NOUN
easat-1510	212	9	)	)	PUNCT
easat-1510	212	10	had	have	VERB
easat-1510	212	11	a	a	DET
easat-1510	212	12	effect	effect	NOUN
easat-1510	212	13	influence	influence	NOUN
easat-1510	212	14	on	on	ADP
easat-1510	212	15	use	use	NOUN
easat-1510	212	16	action	action	NOUN
easat-1510	212	17	(	(	PUNCT
easat-1510	212	18	ub	ub	ADJ
easat-1510	212	19	)	)	PUNCT
easat-1510	212	20	of	of	ADP
easat-1510	212	21	fintech	fintech	NOUN
easat-1510	212	22	(	(	PUNCT
easat-1510	212	23	β	β	X
easat-1510	212	24	=	=	SYM
easat-1510	212	25	0.123	0.123	NUM
easat-1510	212	26	,	,	PUNCT
easat-1510	212	27	t	t	NOUN
easat-1510	212	28	-	-	PUNCT
easat-1510	212	29	score	score	NOUN
easat-1510	212	30	=	=	NOUN
easat-1510	212	31	5,422	5,422	NUM
easat-1510	212	32	,	,	PUNCT
easat-1510	212	33	effect	effect	NOUN
easat-1510	212	34	p<0.005	p<0.005	NOUN
easat-1510	212	35	)	)	PUNCT
easat-1510	212	36	,	,	PUNCT
easat-1510	212	37	thus	thus	ADV
easat-1510	212	38	confirming	confirm	VERB
easat-1510	212	39	h13	h13	NOUN
easat-1510	212	40	.	.	PUNCT
easat-1510	213	1	4.4	4.4	NUM
easat-1510	213	2	.	.	PUNCT
easat-1510	214	1	moderation	moderation	NOUN
easat-1510	214	2	the	the	DET
easat-1510	214	3	results	result	NOUN
easat-1510	214	4	of	of	ADP
easat-1510	214	5	the	the	DET
easat-1510	214	6	moderating	moderate	VERB
easat-1510	214	7	relationship	relationship	NOUN
easat-1510	214	8	on	on	ADP
easat-1510	214	9	table	table	NOUN
easat-1510	214	10	4	4	NUM
easat-1510	214	11	,	,	PUNCT
easat-1510	214	12	revealed	reveal	VERB
easat-1510	214	13	that	that	SCONJ
easat-1510	214	14	the	the	DET
easat-1510	214	15	indirect	indirect	ADJ
easat-1510	214	16	effect	effect	NOUN
easat-1510	214	17	(	(	PUNCT
easat-1510	214	18	ge*hm→bi	ge*hm→bi	PROPN
easat-1510	214	19	and	and	CCONJ
easat-1510	214	20	ge*ha→bi	ge*ha→bi	PROPN
easat-1510	214	21	,	,	PUNCT
easat-1510	214	22	β	β	X
easat-1510	214	23	=	=	SYM
easat-1510	214	24	0.083	0.083	NUM
easat-1510	214	25	,	,	PUNCT
easat-1510	214	26	t	t	NOUN
easat-1510	214	27	-	-	PUNCT
easat-1510	214	28	score	score	NOUN
easat-1510	214	29	=	=	NOUN
easat-1510	214	30	2.578	2.578	NUM
easat-1510	214	31	,	,	PUNCT
easat-1510	214	32	effect	effect	NOUN
easat-1510	214	33	p<0.005/	p<0.005/	PROPN
easat-1510	214	34	β	β	X
easat-1510	214	35	=	=	SYM
easat-1510	214	36	0.069	0.069	NUM
easat-1510	214	37	,	,	PUNCT
easat-1510	214	38	t	t	NOUN
easat-1510	214	39	-	-	PUNCT
easat-1510	214	40	score	score	NOUN
easat-1510	214	41	=	=	NOUN
easat-1510	214	42	2.079	2.079	NUM
easat-1510	214	43	,	,	PUNCT
easat-1510	214	44	effect	effect	NOUN
easat-1510	214	45	p<0.005	p<0.005	NOUN
easat-1510	214	46	)	)	PUNCT
easat-1510	214	47	is	be	AUX
easat-1510	214	48	effect	effect	NOUN
easat-1510	214	49	,	,	PUNCT
easat-1510	214	50	hence	hence	ADV
easat-1510	214	51	confirming	confirm	VERB
easat-1510	214	52	h9e	h9e	NOUN
easat-1510	214	53	and	and	CCONJ
easat-1510	214	54	h9	h9	PROPN
easat-1510	214	55	g.	g.	PROPN
easat-1510	214	56	1342	1342	NUM
easat-1510	214	57	edelweiss	edelweiss	PROPN
easat-1510	214	58	applied	apply	VERB
easat-1510	214	59	science	science	NOUN
easat-1510	214	60	and	and	CCONJ
easat-1510	214	61	technology	technology	NOUN
easat-1510	214	62	issn	issn	PROPN
easat-1510	214	63	:	:	PUNCT
easat-1510	214	64	2576	2576	NUM
easat-1510	214	65	-	-	SYM
easat-1510	214	66	8484	8484	NUM
easat-1510	214	67	vol	vol	NOUN
easat-1510	214	68	.	.	PROPN
easat-1510	214	69	8	8	NUM
easat-1510	214	70	,	,	PUNCT
easat-1510	214	71	no	no	INTJ
easat-1510	214	72	.	.	NOUN
easat-1510	214	73	4	4	NUM
easat-1510	214	74	:	:	SYM
easat-1510	214	75	1333	1333	NUM
easat-1510	214	76	-	-	SYM
easat-1510	214	77	1346	1346	NUM
easat-1510	214	78	,	,	PUNCT
easat-1510	214	79	2024	2024	NUM
easat-1510	214	80	doi	doi	NOUN
easat-1510	214	81	:	:	PUNCT
easat-1510	214	82	10.55214/25768484.v8i4.1510	10.55214/25768484.v8i4.1510	NUM
easat-1510	214	83	©	©	ADP
easat-1510	214	84	2024	2024	NUM
easat-1510	214	85	by	by	ADP
easat-1510	214	86	the	the	DET
easat-1510	214	87	authors	author	NOUN
easat-1510	214	88	;	;	PUNCT
easat-1510	214	89	licensee	licensee	PROPN
easat-1510	214	90	learning	learn	VERB
easat-1510	214	91	gate	gate	NOUN
easat-1510	214	92	table	table	NOUN
easat-1510	214	93	4	4	NUM
easat-1510	214	94	.	.	PUNCT
easat-1510	214	95	path	path	NOUN
easat-1510	214	96	coefficients	coefficient	NOUN
easat-1510	214	97	(	(	PUNCT
easat-1510	214	98	moderation	moderation	NOUN
easat-1510	214	99	)	)	PUNCT
easat-1510	214	100	.	.	PUNCT
easat-1510	215	1	hypothesis	hypothesis	NOUN
easat-1510	215	2	construct	construct	VERB
easat-1510	215	3			PROPN
easat-1510	215	4	t	t	PROPN
easat-1510	215	5	-	-	PUNCT
easat-1510	215	6	statistics	statistic	NOUN
easat-1510	215	7	p	p	ADJ
easat-1510	215	8	-	-	PUNCT
easat-1510	215	9	scores	score	NOUN
easat-1510	215	10	decision	decision	NOUN
easat-1510	215	11	h8a	h8a	NOUN
easat-1510	215	12	ag*pe	ag*pe	PROPN
easat-1510	215	13	→	→	SYM
easat-1510	215	14	bi	bi	NOUN
easat-1510	215	15	0,114	0,114	NUM
easat-1510	215	16	0,792	0,792	NUM
easat-1510	215	17	0,429	0,429	NUM
easat-1510	215	18	unaccepted	unaccepte	VERB
easat-1510	215	19	h8b	h8b	ADJ
easat-1510	215	20	ag*ee	ag*ee	PROPN
easat-1510	215	21	→	→	SYM
easat-1510	215	22	bi	bi	NOUN
easat-1510	215	23	0,138	0,138	NUM
easat-1510	215	24	0,116	0,116	NUM
easat-1510	215	25	0,908	0,908	NUM
easat-1510	215	26	unaccepted	unaccepte	VERB
easat-1510	215	27	h8c	h8c	NOUN
easat-1510	215	28	ag*si	ag*si	NOUN
easat-1510	215	29	→	→	PUNCT
easat-1510	215	30	bi	bi	NOUN
easat-1510	215	31	0,099	0,099	NUM
easat-1510	215	32	0,781	0,781	NUM
easat-1510	215	33	0,435	0,435	NUM
easat-1510	215	34	unaccepted	unaccepted	ADJ
easat-1510	215	35	h8d	h8d	PROPN
easat-1510	215	36	ag*fc	ag*fc	PROPN
easat-1510	215	37	→	→	SYM
easat-1510	215	38	bi	bi	NOUN
easat-1510	215	39	0,081	0,081	NUM
easat-1510	215	40	0,354	0,354	NUM
easat-1510	215	41	0,724	0,724	NUM
easat-1510	215	42	unaccepted	unaccepte	VERB
easat-1510	215	43	h8e	h8e	NUM
easat-1510	215	44	ag*hm	ag*hm	PROPN
easat-1510	216	1	→	→	SYM
easat-1510	216	2	bi	bi	NOUN
easat-1510	216	3	0,083	0,083	NUM
easat-1510	216	4	0,131	0,131	NUM
easat-1510	216	5	0,896	0,896	NUM
easat-1510	216	6	unaccepted	unaccepte	VERB
easat-1510	216	7	h8f	h8f	NOUN
easat-1510	216	8	ag*pv	ag*pv	NOUN
easat-1510	216	9	→	→	SYM
easat-1510	216	10	bi	bi	NOUN
easat-1510	216	11	0,073	0,073	NUM
easat-1510	216	12	0,008	0,008	NUM
easat-1510	216	13	0,994	0,994	NUM
easat-1510	216	14	unaccepted	unaccepte	VERB
easat-1510	216	15	h8	h8	PROPN
easat-1510	216	16	g	g	NOUN
easat-1510	216	17	ag*ha	ag*ha	ADJ
easat-1510	216	18	→	→	SYM
easat-1510	216	19	bi	bi	NOUN
easat-1510	216	20	0,082	0,082	NUM
easat-1510	216	21	0,813	0,813	NUM
easat-1510	216	22	0,417	0,417	NUM
easat-1510	216	23	unaccepted	unaccepted	ADJ
easat-1510	216	24	h9a	h9a	X
easat-1510	216	25	ge*pe	ge*pe	PROPN
easat-1510	216	26	→	→	SYM
easat-1510	216	27	bi	bi	NOUN
easat-1510	216	28	0,118	0,118	NUM
easat-1510	216	29	0,533	0,533	NUM
easat-1510	216	30	0,595	0,595	NUM
easat-1510	216	31	unaccepted	unaccepte	VERB
easat-1510	216	32	h9b	h9b	NOUN
easat-1510	217	1	exp*ee	exp*ee	PROPN
easat-1510	217	2	→	→	SYM
easat-1510	217	3	bi	bi	ADJ
easat-1510	217	4	0,139	0,139	NUM
easat-1510	217	5	0,723	0,723	NUM
easat-1510	217	6	0,470	0,470	NUM
easat-1510	217	7	unaccepted	unaccepted	ADJ
easat-1510	217	8	h9c	h9c	NOUN
easat-1510	217	9	ge*si	ge*si	NOUN
easat-1510	217	10	→	→	SYM
easat-1510	217	11	bi	bi	NOUN
easat-1510	217	12	0,086	0,086	NUM
easat-1510	217	13	0,214	0,214	NUM
easat-1510	217	14	0,831	0,831	NUM
easat-1510	217	15	unaccepted	unaccepte	VERB
easat-1510	217	16	h9d	h9d	NOUN
easat-1510	217	17	ge*fc	ge*fc	PROPN
easat-1510	217	18	→	→	PROPN
easat-1510	217	19	bi	bi	NOUN
easat-1510	217	20	0,071	0,071	NUM
easat-1510	217	21	0,842	0,842	NUM
easat-1510	217	22	0,400	0,400	NUM
easat-1510	217	23	unaccepted	unaccepted	ADJ
easat-1510	217	24	h9e	h9e	NOUN
easat-1510	217	25	ge*hm	ge*hm	VERB
easat-1510	217	26	→	→	SYM
easat-1510	217	27	bi	bi	NOUN
easat-1510	217	28	0,083	0,083	NUM
easat-1510	217	29	2,578	2,578	NUM
easat-1510	217	30	0,010	0,010	NUM
easat-1510	217	31	accepted	accept	VERB
easat-1510	217	32	h9f	h9f	CCONJ
easat-1510	217	33	ge*pv	ge*pv	NOUN
easat-1510	217	34	→	→	SYM
easat-1510	217	35	bi	bi	NOUN
easat-1510	217	36	0,053	0,053	NUM
easat-1510	217	37	0,121	0,121	NUM
easat-1510	217	38	0,904	0,904	NUM
easat-1510	217	39	unaccepted	unaccepted	ADJ
easat-1510	217	40	h9	h9	NOUN
easat-1510	217	41	g	g	NOUN
easat-1510	217	42	ge*ha	ge*ha	NOUN
easat-1510	217	43	→	→	SYM
easat-1510	217	44	bi	bi	NOUN
easat-1510	217	45	0,069	0,069	NUM
easat-1510	217	46	2,079	2,079	NUM
easat-1510	217	47	0,038	0,038	NUM
easat-1510	217	48	accepted	accept	VERB
easat-1510	217	49	h10a	h10a	X
easat-1510	217	50	exp*ee	exp*ee	PROPN
easat-1510	217	51	→	→	SYM
easat-1510	217	52	bi	bi	ADJ
easat-1510	217	53	0,139	0,139	NUM
easat-1510	217	54	0,723	0,723	NUM
easat-1510	217	55	0,470	0,470	NUM
easat-1510	217	56	unaccepted	unaccepte	VERB
easat-1510	217	57	h10b	h10b	X
easat-1510	217	58	exp*si	exp*si	NOUN
easat-1510	217	59	→	→	SYM
easat-1510	217	60	bi	bi	NOUN
easat-1510	217	61	0,116	0,116	PROPN
easat-1510	217	62	0,547	0,547	NUM
easat-1510	217	63	0,585	0,585	NUM
easat-1510	217	64	unaccepted	unaccepte	VERB
easat-1510	217	65	h10c	h10c	PUNCT
easat-1510	217	66	exp*fc	exp*fc	INTJ
easat-1510	217	67	→	→	NOUN
easat-1510	217	68	bi	bi	NOUN
easat-1510	217	69	0,083	0,083	NUM
easat-1510	217	70	0,494	0,494	NUM
easat-1510	217	71	0,622	0,622	NUM
easat-1510	217	72	unaccepted	unaccepte	VERB
easat-1510	217	73	h10e	h10e	VERB
easat-1510	217	74	exp*hm	exp*hm	PROPN
easat-1510	217	75	→	→	SYM
easat-1510	217	76	bi	bi	NOUN
easat-1510	217	77	0,083	0,083	NUM
easat-1510	217	78	0,362	0,362	NUM
easat-1510	217	79	0,718	0,718	NUM
easat-1510	217	80	unaccepted	unaccepte	VERB
easat-1510	217	81	h10f	h10f	PROPN
easat-1510	217	82	exp*ha	exp*ha	PROPN
easat-1510	217	83	→	→	SYM
easat-1510	217	84	bi	bi	NOUN
easat-1510	217	85	0,057	0,057	NUM
easat-1510	217	86	0,371	0,371	NUM
easat-1510	217	87	0,711	0,711	NUM
easat-1510	217	88	unaccepted	unaccepte	VERB
easat-1510	217	89	4.5	4.5	NUM
easat-1510	217	90	.	.	PUNCT
easat-1510	218	1	mediation	mediation	NOUN
easat-1510	218	2	this	this	DET
easat-1510	218	3	study	study	NOUN
easat-1510	218	4	has	have	VERB
easat-1510	218	5	h13c	h13c	NOUN
easat-1510	218	6	is	be	AUX
easat-1510	218	7	confirmed	confirm	VERB
easat-1510	218	8	as	as	ADP
easat-1510	218	9	the	the	DET
easat-1510	218	10	indirect	indirect	ADJ
easat-1510	218	11	effect	effect	NOUN
easat-1510	218	12	(	(	PUNCT
easat-1510	218	13	si→bi→ub	si→bi→ub	NOUN
easat-1510	218	14	,	,	PUNCT
easat-1510	218	15	β=0.060	β=0.060	NOUN
easat-1510	218	16	,	,	PUNCT
easat-1510	218	17	t	t	NOUN
easat-1510	218	18	-	-	PUNCT
easat-1510	218	19	score=2.556	score=2.556	NOUN
easat-1510	218	20	,	,	PUNCT
easat-1510	218	21	effect	effect	NOUN
easat-1510	218	22	p<0.005	p<0.005	NOUN
easat-1510	218	23	)	)	PUNCT
easat-1510	218	24	is	be	AUX
easat-1510	218	25	effect	effect	NOUN
easat-1510	218	26	.	.	PUNCT
easat-1510	219	1	the	the	DET
easat-1510	219	2	indirect	indirect	ADJ
easat-1510	219	3	effect	effect	NOUN
easat-1510	219	4	(	(	PUNCT
easat-1510	219	5	hm→bi→ub	hm→bi→ub	NOUN
easat-1510	219	6	,	,	PUNCT
easat-1510	219	7	β=0.060	β=0.060	NOUN
easat-1510	219	8	,	,	PUNCT
easat-1510	219	9	t	t	PROPN
easat-1510	219	10	-	-	PUNCT
easat-1510	219	11	score=2.067	score=2.067	NOUN
easat-1510	219	12	,	,	PUNCT
easat-1510	219	13	effect	effect	NOUN
easat-1510	219	14	p<0.005	p<0.005	NOUN
easat-1510	219	15	)	)	PUNCT
easat-1510	219	16	is	be	AUX
easat-1510	219	17	effect	effect	NOUN
easat-1510	219	18	,	,	PUNCT
easat-1510	219	19	hence	hence	ADV
easat-1510	219	20	confirming	confirm	VERB
easat-1510	219	21	h13e	h13e	PROPN
easat-1510	219	22	.	.	PUNCT
easat-1510	220	1	finally	finally	ADV
easat-1510	220	2	,	,	PUNCT
easat-1510	220	3	the	the	DET
easat-1510	220	4	indirect	indirect	ADJ
easat-1510	220	5	effect	effect	NOUN
easat-1510	220	6	(	(	PUNCT
easat-1510	220	7	esq→bi→ub	esq→bi→ub	PROPN
easat-1510	220	8	and	and	CCONJ
easat-1510	220	9	re→b	re→b	PROPN
easat-1510	220	10	→ub	→ub	NOUN
easat-1510	220	11	,	,	PUNCT
easat-1510	220	12	β=0.060	β=0.060	NOUN
easat-1510	220	13	,	,	PUNCT
easat-1510	220	14	tscore=2.556	tscore=2.556	NUM
easat-1510	220	15	,	,	PUNCT
easat-1510	220	16	effect	effect	NOUN
easat-1510	220	17	p<0.005	p<0.005	NOUN
easat-1510	220	18	/β=0.068	/β=0.068	ADJ
easat-1510	220	19	,	,	PUNCT
easat-1510	220	20	t	t	NOUN
easat-1510	220	21	-	-	PUNCT
easat-1510	220	22	score=2.286	score=2.286	NOUN
easat-1510	220	23	,	,	PUNCT
easat-1510	220	24	effect	effect	NOUN
easat-1510	220	25	p<0.005	p<0.005	NOUN
easat-1510	220	26	)	)	PUNCT
easat-1510	220	27	is	be	AUX
easat-1510	220	28	effect	effect	NOUN
easat-1510	220	29	,	,	PUNCT
easat-1510	220	30	confirming	confirm	VERB
easat-1510	220	31	h13h	h13h	NOUN
easat-1510	220	32	and	and	CCONJ
easat-1510	220	33	h13i	h13i	PROPN
easat-1510	220	34	.	.	PUNCT
easat-1510	220	35	table	table	NOUN
easat-1510	220	36	5	5	NUM
easat-1510	220	37	.	.	PUNCT
easat-1510	220	38	path	path	NOUN
easat-1510	220	39	coefficients	coefficient	NOUN
easat-1510	220	40	(	(	PUNCT
easat-1510	220	41	mediation	mediation	NOUN
easat-1510	220	42	)	)	PUNCT
easat-1510	220	43	.	.	PUNCT
easat-1510	221	1	hypothesis	hypothesis	NOUN
easat-1510	221	2	construct	construct	VERB
easat-1510	221	3			PROPN
easat-1510	221	4	t	t	PROPN
easat-1510	221	5	-	-	PUNCT
easat-1510	221	6	statistics	statistic	NOUN
easat-1510	221	7	p	p	ADJ
easat-1510	221	8	-	-	PUNCT
easat-1510	221	9	scores	score	NOUN
easat-1510	221	10	decision	decision	NOUN
easat-1510	221	11	h13a	h13a	NOUN
easat-1510	221	12	pe	pe	PROPN
easat-1510	221	13	→	→	SYM
easat-1510	221	14	bi	bi	NOUN
easat-1510	221	15	→	→	SYM
easat-1510	221	16	ub	ub	PROPN
easat-1510	221	17	0,064	0,064	NUM
easat-1510	221	18	0,959	0,959	NUM
easat-1510	221	19	0,338	0,338	NUM
easat-1510	221	20	unaccepted	unaccepte	VERB
easat-1510	221	21	h13b	h13b	ADP
easat-1510	221	22	ee→	ee→	VERB
easat-1510	221	23	bi	bi	PROPN
easat-1510	221	24	→	→	SYM
easat-1510	221	25	ub	ub	ADJ
easat-1510	221	26	0,092	0,092	NUM
easat-1510	221	27	2,668	2,668	NUM
easat-1510	221	28	0,008	0,008	NUM
easat-1510	221	29	accepted	accept	VERB
easat-1510	221	30	h13c	h13c	NOUN
easat-1510	221	31	si	si	NOUN
easat-1510	221	32	→	→	SYM
easat-1510	221	33	bi	bi	NOUN
easat-1510	221	34	→	→	SYM
easat-1510	221	35	ub	ub	PROPN
easat-1510	221	36	0,060	0,060	NOUN
easat-1510	221	37	2,556	2,556	NUM
easat-1510	221	38	0,011	0,011	NUM
easat-1510	221	39	accepted	accept	VERB
easat-1510	221	40	h13d	h13d	ADP
easat-1510	221	41	fc	fc	PROPN
easat-1510	221	42	→	→	SYM
easat-1510	221	43	bi	bi	NOUN
easat-1510	221	44	→	→	SYM
easat-1510	221	45	ub	ub	PROPN
easat-1510	221	46	0,048	0,048	NUM
easat-1510	221	47	0,294	0,294	NUM
easat-1510	221	48	0,769	0,769	NUM
easat-1510	221	49	unaccepted	unaccepte	VERB
easat-1510	221	50	h13e	h13e	X
easat-1510	221	51	hm	hm	INTJ
easat-1510	221	52	→	→	SYM
easat-1510	221	53	bi	bi	NOUN
easat-1510	221	54	→	→	SYM
easat-1510	221	55	ub	ub	PROPN
easat-1510	221	56	0,060	0,060	NOUN
easat-1510	221	57	2,067	2,067	NUM
easat-1510	221	58	0,039	0,039	NUM
easat-1510	221	59	accepted	accept	VERB
easat-1510	221	60	h13f	h13f	X
easat-1510	221	61	pv	pv	X
easat-1510	221	62	→	→	SYM
easat-1510	221	63	bi	bi	NOUN
easat-1510	221	64	→	→	SYM
easat-1510	221	65	ub	ub	ADJ
easat-1510	221	66	0,040	0,040	NUM
easat-1510	221	67	0,762	0,762	NUM
easat-1510	221	68	0,447	0,447	NUM
easat-1510	221	69	unaccepted	unaccepted	ADJ
easat-1510	221	70	h13	h13	NOUN
easat-1510	221	71	g	g	NOUN
easat-1510	221	72	ha	ha	INTJ
easat-1510	221	73	→	→	ADJ
easat-1510	221	74	bi	bi	NOUN
easat-1510	221	75	→	→	SYM
easat-1510	221	76	ub	ub	PROPN
easat-1510	221	77	0,044	0,044	NUM
easat-1510	221	78	0,643	0,643	NUM
easat-1510	221	79	0,521	0,521	NOUN
easat-1510	221	80	unaccepted	unaccepte	VERB
easat-1510	221	81	h13h	h13h	ADJ
easat-1510	221	82	esq	esq	PROPN
easat-1510	221	83	→	→	SYM
easat-1510	221	84	bi	bi	NOUN
easat-1510	221	85	→	→	SYM
easat-1510	221	86	ub	ub	ADP
easat-1510	221	87	0,045	0,045	NUM
easat-1510	221	88	2,656	2,656	NUM
easat-1510	221	89	0,008	0,008	NUM
easat-1510	221	90	accepted	accept	VERB
easat-1510	221	91	h13i	h13i	X
easat-1510	221	92	re	re	ADP
easat-1510	221	93	→	→	PROPN
easat-1510	221	94	bi	bi	NOUN
easat-1510	221	95	→	→	SYM
easat-1510	221	96	ub	ub	PROPN
easat-1510	221	97	0,068	0,068	NUM
easat-1510	221	98	2,286	2,286	NUM
easat-1510	221	99	0,023	0,023	NUM
easat-1510	221	100	accepted	accept	VERB
easat-1510	221	101	1343	1343	NUM
easat-1510	221	102	edelweiss	edelweiss	PROPN
easat-1510	221	103	applied	apply	VERB
easat-1510	221	104	science	science	NOUN
easat-1510	221	105	and	and	CCONJ
easat-1510	221	106	technology	technology	NOUN
easat-1510	221	107	issn	issn	PROPN
easat-1510	221	108	:	:	PUNCT
easat-1510	221	109	2576	2576	NUM
easat-1510	221	110	-	-	SYM
easat-1510	221	111	8484	8484	NUM
easat-1510	221	112	vol	vol	NOUN
easat-1510	221	113	.	.	PROPN
easat-1510	221	114	8	8	NUM
easat-1510	221	115	,	,	PUNCT
easat-1510	221	116	no	no	INTJ
easat-1510	221	117	.	.	NOUN
easat-1510	221	118	4	4	NUM
easat-1510	221	119	:	:	SYM
easat-1510	221	120	1333	1333	NUM
easat-1510	221	121	-	-	SYM
easat-1510	221	122	1346	1346	NUM
easat-1510	221	123	,	,	PUNCT
easat-1510	221	124	2024	2024	NUM
easat-1510	221	125	doi	doi	NOUN
easat-1510	221	126	:	:	PUNCT
easat-1510	221	127	10.55214/25768484.v8i4.1510	10.55214/25768484.v8i4.1510	NUM
easat-1510	221	128	©	©	ADP
easat-1510	221	129	2024	2024	NUM
easat-1510	221	130	by	by	ADP
easat-1510	221	131	the	the	DET
easat-1510	221	132	authors	author	NOUN
easat-1510	221	133	;	;	PUNCT
easat-1510	221	134	licensee	licensee	PROPN
easat-1510	221	135	learning	learning	NOUN
easat-1510	221	136	gate	gate	VERB
easat-1510	221	137	the	the	DET
easat-1510	221	138	primary	primary	ADJ
easat-1510	221	139	purpose	purpose	NOUN
easat-1510	221	140	of	of	ADP
easat-1510	221	141	this	this	DET
easat-1510	221	142	research	research	NOUN
easat-1510	221	143	is	be	AUX
easat-1510	221	144	to	to	PART
easat-1510	221	145	analize	analize	VERB
easat-1510	221	146	key	key	ADJ
easat-1510	221	147	factors	factor	NOUN
easat-1510	221	148	that	that	PRON
easat-1510	221	149	can	can	AUX
easat-1510	221	150	slow	slow	VERB
easat-1510	221	151	down	down	ADP
easat-1510	221	152	or	or	CCONJ
easat-1510	221	153	accelerate	accelerate	VERB
easat-1510	221	154	fintech	fintech	NOUN
easat-1510	221	155	adoption	adoption	NOUN
easat-1510	221	156	in	in	ADP
easat-1510	221	157	indonesia	indonesia	PROPN
easat-1510	221	158	.	.	PUNCT
easat-1510	222	1	this	this	DET
easat-1510	222	2	research	research	NOUN
easat-1510	222	3	involves	involve	VERB
easat-1510	222	4	expanding	expand	VERB
easat-1510	222	5	the	the	DET
easat-1510	222	6	unified	unified	ADJ
easat-1510	222	7	theory	theory	NOUN
easat-1510	222	8	of	of	ADP
easat-1510	222	9	acceptance	acceptance	NOUN
easat-1510	222	10	and	and	CCONJ
easat-1510	222	11	use	use	NOUN
easat-1510	222	12	of	of	ADP
easat-1510	222	13	utaut2	utaut2	NOUN
easat-1510	222	14	application	application	NOUN
easat-1510	222	15	with	with	ADP
easat-1510	222	16	es	es	ADJ
easat-1510	222	17	-	-	PUNCT
easat-1510	222	18	qual	qual	ADJ
easat-1510	222	19	and	and	CCONJ
easat-1510	222	20	religiosity	religiosity	NOUN
easat-1510	222	21	.	.	PUNCT
easat-1510	223	1	the	the	DET
easat-1510	223	2	research	research	NOUN
easat-1510	223	3	results	result	NOUN
easat-1510	223	4	show	show	VERB
easat-1510	223	5	that	that	SCONJ
easat-1510	223	6	application	application	NOUN
easat-1510	223	7	factors	factor	NOUN
easat-1510	223	8	(	(	PUNCT
easat-1510	223	9	utaut2	utaut2	NOUN
easat-1510	223	10	)	)	PUNCT
easat-1510	223	11	,	,	PUNCT
easat-1510	223	12	service	service	NOUN
easat-1510	223	13	quality	quality	NOUN
easat-1510	223	14	(	(	PUNCT
easat-1510	223	15	es	es	NOUN
easat-1510	223	16	-	-	PUNCT
easat-1510	223	17	qual	qual	ADJ
easat-1510	223	18	)	)	PUNCT
easat-1510	223	19	,	,	PUNCT
easat-1510	223	20	and	and	CCONJ
easat-1510	223	21	religiosity	religiosity	NOUN
easat-1510	223	22	together	together	ADV
easat-1510	223	23	explain	explain	VERB
easat-1510	223	24	94.5	94.5	NUM
easat-1510	223	25	percentage	percentage	NOUN
easat-1510	223	26	of	of	ADP
easat-1510	223	27	the	the	DET
easat-1510	223	28	variance	variance	NOUN
easat-1510	223	29	in	in	ADP
easat-1510	223	30	users	user	NOUN
easat-1510	223	31	'	'	PART
easat-1510	223	32	desire	desire	NOUN
easat-1510	223	33	to	to	PART
easat-1510	223	34	adopt	adopt	VERB
easat-1510	223	35	fintech	fintech	NOUN
easat-1510	223	36	.	.	PUNCT
easat-1510	224	1	these	these	DET
easat-1510	224	2	findings	finding	NOUN
easat-1510	224	3	validate	validate	VERB
easat-1510	224	4	the	the	DET
easat-1510	224	5	newly	newly	ADV
easat-1510	224	6	developed	develop	VERB
easat-1510	224	7	integrated	integrated	ADJ
easat-1510	224	8	model	model	NOUN
easat-1510	224	9	.	.	PUNCT
easat-1510	225	1	in	in	ADP
easat-1510	225	2	the	the	DET
easat-1510	225	3	theoretical	theoretical	ADJ
easat-1510	225	4	aspect	aspect	NOUN
easat-1510	225	5	,	,	PUNCT
easat-1510	225	6	this	this	DET
easat-1510	225	7	research	research	NOUN
easat-1510	225	8	identifies	identify	VERB
easat-1510	225	9	several	several	ADJ
easat-1510	225	10	factors	factor	NOUN
easat-1510	225	11	that	that	PRON
easat-1510	225	12	need	need	VERB
easat-1510	225	13	to	to	PART
easat-1510	225	14	be	be	AUX
easat-1510	225	15	considered	consider	VERB
easat-1510	225	16	,	,	PUNCT
easat-1510	225	17	such	such	ADJ
easat-1510	225	18	as	as	ADP
easat-1510	225	19	pe	pe	PROPN
easat-1510	225	20	,	,	PUNCT
easat-1510	225	21	fc	fc	PROPN
easat-1510	225	22	,	,	PUNCT
easat-1510	225	23	pv	pv	INTJ
easat-1510	225	24	,	,	PUNCT
easat-1510	225	25	and	and	CCONJ
easat-1510	225	26	ha	ha	INTJ
easat-1510	225	27	,	,	PUNCT
easat-1510	225	28	which	which	PRON
easat-1510	225	29	are	be	AUX
easat-1510	225	30	not	not	PART
easat-1510	225	31	in	in	ADP
easat-1510	225	32	accordance	accordance	NOUN
easat-1510	225	33	with	with	ADP
easat-1510	225	34	the	the	DET
easat-1510	225	35	utaut2	utaut2	PROPN
easat-1510	225	36	model	model	PROPN
easat-1510	225	37	.	.	PUNCT
easat-1510	226	1	performance	performance	NOUN
easat-1510	226	2	expectations	expectation	NOUN
easat-1510	226	3	apparently	apparently	ADV
easat-1510	226	4	do	do	AUX
easat-1510	226	5	not	not	PART
easat-1510	226	6	have	have	VERB
easat-1510	226	7	a	a	DET
easat-1510	226	8	effect	effect	NOUN
easat-1510	226	9	influence	influence	NOUN
easat-1510	226	10	on	on	ADP
easat-1510	226	11	actional	actional	ADJ
easat-1510	226	12	desires	desire	NOUN
easat-1510	226	13	,	,	PUNCT
easat-1510	226	14	with	with	ADP
easat-1510	226	15	this	this	DET
easat-1510	226	16	research	research	NOUN
easat-1510	226	17	concluding	conclude	VERB
easat-1510	226	18	that	that	SCONJ
easat-1510	226	19	the	the	PRON
easat-1510	226	20	higher	high	ADJ
easat-1510	226	21	the	the	DET
easat-1510	226	22	performance	performance	NOUN
easat-1510	226	23	expectations	expectation	NOUN
easat-1510	226	24	for	for	ADP
easat-1510	226	25	sharia	sharia	PROPN
easat-1510	226	26	fintech	fintech	PROPN
easat-1510	226	27	,	,	PUNCT
easat-1510	226	28	the	the	PRON
easat-1510	226	29	smaller	small	ADJ
easat-1510	226	30	the	the	DET
easat-1510	226	31	impact	impact	NOUN
easat-1510	226	32	on	on	ADP
easat-1510	226	33	customers	customer	NOUN
easat-1510	226	34	'	'	PART
easat-1510	226	35	desires	desire	NOUN
easat-1510	226	36	to	to	PART
easat-1510	226	37	use	use	VERB
easat-1510	226	38	fintech	fintech	NOUN
easat-1510	226	39	,	,	PUNCT
easat-1510	226	40	especially	especially	ADV
easat-1510	226	41	on	on	ADP
easat-1510	226	42	p2p	p2p	NOUN
easat-1510	226	43	platforms	platform	NOUN
easat-1510	226	44	.	.	PUNCT
easat-1510	227	1	the	the	DET
easat-1510	227	2	results	result	NOUN
easat-1510	227	3	of	of	ADP
easat-1510	227	4	this	this	DET
easat-1510	227	5	study	study	NOUN
easat-1510	227	6	are	be	AUX
easat-1510	227	7	not	not	PART
easat-1510	227	8	in	in	ADP
easat-1510	227	9	line	line	NOUN
easat-1510	227	10	with	with	ADP
easat-1510	227	11	previous	previous	ADJ
easat-1510	227	12	findings	finding	NOUN
easat-1510	227	13	,	,	PUNCT
easat-1510	227	14	but	but	CCONJ
easat-1510	227	15	are	be	AUX
easat-1510	227	16	consistent	consistent	ADJ
easat-1510	227	17	with	with	ADP
easat-1510	227	18	several	several	ADJ
easat-1510	227	19	other	other	ADJ
easat-1510	227	20	studies	study	NOUN
easat-1510	227	21	which	which	PRON
easat-1510	227	22	state	state	VERB
easat-1510	227	23	that	that	SCONJ
easat-1510	227	24	performance	performance	NOUN
easat-1510	227	25	expectations	expectation	NOUN
easat-1510	227	26	do	do	AUX
easat-1510	227	27	not	not	PART
easat-1510	227	28	influence	influence	VERB
easat-1510	227	29	application	application	NOUN
easat-1510	227	30	use	use	NOUN
easat-1510	227	31	desires	desire	NOUN
easat-1510	227	32	.	.	PUNCT
easat-1510	228	1	the	the	DET
easat-1510	228	2	structural	structural	ADJ
easat-1510	228	3	model	model	NOUN
easat-1510	228	4	shows	show	VERB
easat-1510	228	5	that	that	SCONJ
easat-1510	228	6	effort	effort	NOUN
easat-1510	228	7	expectations	expectation	NOUN
easat-1510	228	8	have	have	VERB
easat-1510	228	9	a	a	DET
easat-1510	228	10	effect	effect	NOUN
easat-1510	228	11	influence	influence	NOUN
easat-1510	228	12	on	on	ADP
easat-1510	228	13	desire	desire	NOUN
easat-1510	228	14	to	to	PART
easat-1510	228	15	use	use	VERB
easat-1510	228	16	sharia	sharia	PROPN
easat-1510	228	17	fintech	fintech	NOUN
easat-1510	228	18	(	(	PUNCT
easat-1510	228	19	bi	bi	NOUN
easat-1510	228	20	)	)	PUNCT
easat-1510	228	21	.	.	PUNCT
easat-1510	229	1	this	this	DET
easat-1510	229	2	finding	finding	NOUN
easat-1510	229	3	is	be	AUX
easat-1510	229	4	in	in	ADP
easat-1510	229	5	line	line	NOUN
easat-1510	229	6	with	with	ADP
easat-1510	229	7	previous	previous	ADJ
easat-1510	229	8	research	research	NOUN
easat-1510	229	9	and	and	CCONJ
easat-1510	229	10	shows	show	VERB
easat-1510	229	11	that	that	PRON
easat-1510	229	12	ease	ease	NOUN
easat-1510	229	13	of	of	ADP
easat-1510	229	14	use	use	NOUN
easat-1510	229	15	of	of	ADP
easat-1510	229	16	sharia	sharia	PROPN
easat-1510	229	17	fintech	fintech	NOUN
easat-1510	229	18	features	feature	NOUN
easat-1510	229	19	,	,	PUNCT
easat-1510	229	20	such	such	ADJ
easat-1510	229	21	as	as	ADP
easat-1510	229	22	financial	financial	ADJ
easat-1510	229	23	transactions	transaction	NOUN
easat-1510	229	24	,	,	PUNCT
easat-1510	229	25	payment	payment	NOUN
easat-1510	229	26	of	of	ADP
easat-1510	229	27	zakat	zakat	NOUN
easat-1510	229	28	or	or	CCONJ
easat-1510	229	29	infaq	infaq	NOUN
easat-1510	229	30	alms	alm	NOUN
easat-1510	229	31	,	,	PUNCT
easat-1510	229	32	online	online	ADJ
easat-1510	229	33	purchases	purchase	NOUN
easat-1510	229	34	or	or	CCONJ
easat-1510	229	35	sales	sale	NOUN
easat-1510	229	36	,	,	PUNCT
easat-1510	229	37	and	and	CCONJ
easat-1510	229	38	access	access	NOUN
easat-1510	229	39	to	to	ADP
easat-1510	229	40	capital	capital	NOUN
easat-1510	229	41	,	,	PUNCT
easat-1510	229	42	influences	influence	VERB
easat-1510	229	43	usage	usage	NOUN
easat-1510	229	44	desires	desire	NOUN
easat-1510	229	45	.	.	PUNCT
easat-1510	230	1	these	these	DET
easat-1510	230	2	results	result	NOUN
easat-1510	230	3	are	be	AUX
easat-1510	230	4	mainly	mainly	ADV
easat-1510	230	5	influenced	influence	VERB
easat-1510	230	6	by	by	ADP
easat-1510	230	7	participants	participant	NOUN
easat-1510	230	8	who	who	PRON
easat-1510	230	9	have	have	AUX
easat-1510	230	10	used	use	VERB
easat-1510	230	11	fintech	fintech	NOUN
easat-1510	230	12	for	for	ADP
easat-1510	230	13	more	more	ADJ
easat-1510	230	14	than	than	ADP
easat-1510	230	15	two	two	NUM
easat-1510	230	16	years	year	NOUN
easat-1510	230	17	,	,	PUNCT
easat-1510	230	18	indicating	indicate	VERB
easat-1510	230	19	that	that	SCONJ
easat-1510	230	20	previous	previous	ADJ
easat-1510	230	21	user	user	NOUN
easat-1510	230	22	experience	experience	NOUN
easat-1510	230	23	plays	play	VERB
easat-1510	230	24	an	an	DET
easat-1510	230	25	important	important	ADJ
easat-1510	230	26	role	role	NOUN
easat-1510	230	27	in	in	ADP
easat-1510	230	28	the	the	DET
easat-1510	230	29	influence	influence	NOUN
easat-1510	230	30	of	of	ADP
easat-1510	230	31	effort	effort	NOUN
easat-1510	230	32	expectations	expectation	NOUN
easat-1510	230	33	.	.	PUNCT
easat-1510	231	1	research	research	NOUN
easat-1510	231	2	by	by	ADP
easat-1510	231	3	amy	amy	NOUN
easat-1510	231	4	and	and	CCONJ
easat-1510	231	5	colleagues	colleague	NOUN
easat-1510	231	6	(	(	PUNCT
easat-1510	231	7	2019	2019	NUM
easat-1510	231	8	)	)	PUNCT
easat-1510	231	9	shows	show	VERB
easat-1510	231	10	a	a	DET
easat-1510	231	11	strong	strong	ADJ
easat-1510	231	12	correlation	correlation	NOUN
easat-1510	231	13	between	between	ADP
easat-1510	231	14	social	social	ADJ
easat-1510	231	15	influences	influence	NOUN
easat-1510	231	16	and	and	CCONJ
easat-1510	231	17	individuals	individual	NOUN
easat-1510	231	18	'	'	PART
easat-1510	231	19	desires	desire	NOUN
easat-1510	231	20	regarding	regard	VERB
easat-1510	231	21	mobile	mobile	ADJ
easat-1510	231	22	banking	banking	NOUN
easat-1510	231	23	acceptance	acceptance	NOUN
easat-1510	231	24	in	in	ADP
easat-1510	231	25	pakistan	pakistan	PROPN
easat-1510	231	26	,	,	PUNCT
easat-1510	231	27	highlighting	highlight	VERB
easat-1510	231	28	the	the	DET
easat-1510	231	29	important	important	ADJ
easat-1510	231	30	role	role	NOUN
easat-1510	231	31	of	of	ADP
easat-1510	231	32	the	the	DET
easat-1510	231	33	social	social	ADJ
easat-1510	231	34	environment	environment	NOUN
easat-1510	231	35	such	such	ADJ
easat-1510	231	36	as	as	ADP
easat-1510	231	37	family	family	NOUN
easat-1510	231	38	,	,	PUNCT
easat-1510	231	39	friendships	friendship	NOUN
easat-1510	231	40	,	,	PUNCT
easat-1510	231	41	and	and	CCONJ
easat-1510	231	42	community	community	NOUN
easat-1510	231	43	figures	figure	NOUN
easat-1510	231	44	in	in	ADP
easat-1510	231	45	influencing	influence	VERB
easat-1510	231	46	individuals	individual	NOUN
easat-1510	231	47	'	'	PART
easat-1510	231	48	views	view	NOUN
easat-1510	231	49	.	.	PUNCT
easat-1510	232	1	however	however	ADV
easat-1510	232	2	,	,	PUNCT
easat-1510	232	3	in	in	ADP
easat-1510	232	4	the	the	DET
easat-1510	232	5	context	context	NOUN
easat-1510	232	6	of	of	ADP
easat-1510	232	7	this	this	DET
easat-1510	232	8	research	research	NOUN
easat-1510	232	9	,	,	PUNCT
easat-1510	232	10	facilitating	facilitate	VERB
easat-1510	232	11	conditions	condition	NOUN
easat-1510	232	12	do	do	AUX
easat-1510	232	13	not	not	PART
easat-1510	232	14	appear	appear	VERB
easat-1510	232	15	to	to	PART
easat-1510	232	16	influence	influence	VERB
easat-1510	232	17	the	the	DET
easat-1510	232	18	desire	desire	NOUN
easat-1510	232	19	to	to	PART
easat-1510	232	20	use	use	VERB
easat-1510	232	21	(	(	PUNCT
easat-1510	232	22	bi	bi	NOUN
easat-1510	232	23	)	)	PUNCT
easat-1510	232	24	sharia	sharia	PROPN
easat-1510	232	25	fintech	fintech	NOUN
easat-1510	232	26	.	.	PUNCT
easat-1510	233	1	this	this	DET
easat-1510	233	2	finding	finding	NOUN
easat-1510	233	3	is	be	AUX
easat-1510	233	4	consistent	consistent	ADJ
easat-1510	233	5	with	with	ADP
easat-1510	233	6	the	the	DET
easat-1510	233	7	results	result	NOUN
easat-1510	233	8	of	of	ADP
easat-1510	233	9	research	research	NOUN
easat-1510	233	10	by	by	ADP
easat-1510	233	11	indrawati	indrawati	NOUN
easat-1510	233	12	and	and	CCONJ
easat-1510	233	13	haryoto	haryoto	NOUN
easat-1510	233	14	(	(	PUNCT
easat-1510	233	15	2015	2015	NUM
easat-1510	233	16	)	)	PUNCT
easat-1510	233	17	,	,	PUNCT
easat-1510	233	18	oliveira	oliveira	PROPN
easat-1510	233	19	et	et	PROPN
easat-1510	233	20	al	al	PROPN
easat-1510	233	21	.	.	PROPN
easat-1510	234	1	(	(	PUNCT
easat-1510	234	2	2014	2014	NUM
easat-1510	234	3	)	)	PUNCT
easat-1510	234	4	,	,	PUNCT
easat-1510	234	5	and	and	CCONJ
easat-1510	234	6	kwateng	kwateng	NOUN
easat-1510	234	7	and	and	CCONJ
easat-1510	234	8	colleagues	colleague	NOUN
easat-1510	234	9	(	(	PUNCT
easat-1510	234	10	2019	2019	NUM
easat-1510	234	11	)	)	PUNCT
easat-1510	234	12	,	,	PUNCT
easat-1510	234	13	who	who	PRON
easat-1510	234	14	show	show	VERB
easat-1510	234	15	that	that	SCONJ
easat-1510	234	16	the	the	DET
easat-1510	234	17	presence	presence	NOUN
easat-1510	234	18	of	of	ADP
easat-1510	234	19	technological	technological	ADJ
easat-1510	234	20	facilities	facility	NOUN
easat-1510	234	21	does	do	AUX
easat-1510	234	22	not	not	PART
easat-1510	234	23	always	always	ADV
easat-1510	234	24	influence	influence	VERB
easat-1510	234	25	user	user	NOUN
easat-1510	234	26	desires	desire	NOUN
easat-1510	234	27	,	,	PUNCT
easat-1510	234	28	as	as	SCONJ
easat-1510	234	29	other	other	ADJ
easat-1510	234	30	factors	factor	NOUN
easat-1510	234	31	such	such	ADJ
easat-1510	234	32	as	as	ADP
easat-1510	234	33	lifestyle	lifestyle	NOUN
easat-1510	234	34	suitability	suitability	NOUN
easat-1510	234	35	or	or	CCONJ
easat-1510	234	36	customer	customer	NOUN
easat-1510	234	37	satisfaction	satisfaction	NOUN
easat-1510	234	38	can	can	AUX
easat-1510	234	39	be	be	AUX
easat-1510	234	40	more	more	ADV
easat-1510	234	41	relevant	relevant	ADJ
easat-1510	234	42	.	.	PUNCT
easat-1510	235	1	hedonic	hedonic	ADJ
easat-1510	235	2	motivation	motivation	NOUN
easat-1510	235	3	apparently	apparently	ADV
easat-1510	235	4	influences	influence	VERB
easat-1510	235	5	the	the	DET
easat-1510	235	6	user	user	NOUN
easat-1510	235	7	's	's	PART
easat-1510	235	8	desire	desire	NOUN
easat-1510	235	9	to	to	PART
easat-1510	235	10	use	use	VERB
easat-1510	235	11	(	(	PUNCT
easat-1510	235	12	bi	bi	NOUN
easat-1510	235	13	)	)	PUNCT
easat-1510	235	14	sharia	sharia	PROPN
easat-1510	235	15	fintech	fintech	NOUN
easat-1510	235	16	,	,	PUNCT
easat-1510	235	17	where	where	SCONJ
easat-1510	235	18	the	the	DET
easat-1510	235	19	satisfaction	satisfaction	NOUN
easat-1510	235	20	obtained	obtain	VERB
easat-1510	235	21	after	after	ADP
easat-1510	235	22	using	use	VERB
easat-1510	235	23	the	the	DET
easat-1510	235	24	system	system	NOUN
easat-1510	235	25	contributes	contribute	VERB
easat-1510	235	26	to	to	ADP
easat-1510	235	27	achieving	achieve	VERB
easat-1510	235	28	the	the	DET
easat-1510	235	29	user	user	NOUN
easat-1510	235	30	's	's	PART
easat-1510	235	31	goals	goal	NOUN
easat-1510	235	32	.	.	PUNCT
easat-1510	236	1	this	this	DET
easat-1510	236	2	finding	finding	NOUN
easat-1510	236	3	is	be	AUX
easat-1510	236	4	in	in	ADP
easat-1510	236	5	line	line	NOUN
easat-1510	236	6	with	with	ADP
easat-1510	236	7	previous	previous	ADJ
easat-1510	236	8	research	research	NOUN
easat-1510	236	9	by	by	ADP
easat-1510	236	10	morosan	morosan	NOUN
easat-1510	236	11	and	and	CCONJ
easat-1510	236	12	defranco	defranco	PROPN
easat-1510	236	13	(	(	PUNCT
easat-1510	236	14	2016	2016	NUM
easat-1510	236	15	)	)	PUNCT
easat-1510	236	16	and	and	CCONJ
easat-1510	236	17	indrawati	indrawati	PROPN
easat-1510	236	18	and	and	CCONJ
easat-1510	236	19	putri	putri	PROPN
easat-1510	236	20	(	(	PUNCT
easat-1510	236	21	2018b	2018b	NUM
easat-1510	236	22	)	)	PUNCT
easat-1510	236	23	.	.	PUNCT
easat-1510	237	1	however	however	ADV
easat-1510	237	2	,	,	PUNCT
easat-1510	237	3	price	price	NOUN
easat-1510	237	4	scores	score	NOUN
easat-1510	237	5	and	and	CCONJ
easat-1510	237	6	user	user	NOUN
easat-1510	237	7	habits	habit	NOUN
easat-1510	237	8	do	do	AUX
easat-1510	237	9	not	not	PART
easat-1510	237	10	have	have	VERB
easat-1510	237	11	effect	effect	NOUN
easat-1510	237	12	impact	impact	NOUN
easat-1510	237	13	on	on	ADP
easat-1510	237	14	the	the	DET
easat-1510	237	15	desire	desire	NOUN
easat-1510	237	16	to	to	PART
easat-1510	237	17	use	use	VERB
easat-1510	237	18	(	(	PUNCT
easat-1510	237	19	bi	bi	NOUN
easat-1510	237	20	)	)	PUNCT
easat-1510	237	21	sharia	sharia	PROPN
easat-1510	237	22	fintech	fintech	NOUN
easat-1510	237	23	.	.	PUNCT
easat-1510	238	1	in	in	ADP
easat-1510	238	2	the	the	DET
easat-1510	238	3	p2p	p2p	NOUN
easat-1510	238	4	context	context	NOUN
easat-1510	238	5	,	,	PUNCT
easat-1510	238	6	the	the	DET
easat-1510	238	7	costs	cost	NOUN
easat-1510	238	8	incurred	incur	VERB
easat-1510	238	9	by	by	ADP
easat-1510	238	10	lenders	lender	NOUN
easat-1510	238	11	do	do	AUX
easat-1510	238	12	not	not	PART
easat-1510	238	13	affect	affect	VERB
easat-1510	238	14	their	their	PRON
easat-1510	238	15	desire	desire	NOUN
easat-1510	238	16	to	to	PART
easat-1510	238	17	provide	provide	VERB
easat-1510	238	18	financing	financing	NOUN
easat-1510	238	19	through	through	ADP
easat-1510	238	20	islamic	islamic	ADJ
easat-1510	238	21	peer	peer	NOUN
easat-1510	238	22	-	-	PUNCT
easat-1510	238	23	to	to	ADP
easat-1510	238	24	-	-	PUNCT
easat-1510	238	25	peer	peer	NOUN
easat-1510	238	26	lending	lending	NOUN
easat-1510	238	27	.	.	PUNCT
easat-1510	239	1	these	these	DET
easat-1510	239	2	findings	finding	NOUN
easat-1510	239	3	support	support	VERB
easat-1510	239	4	the	the	DET
easat-1510	239	5	results	result	NOUN
easat-1510	239	6	of	of	ADP
easat-1510	239	7	previous	previous	ADJ
easat-1510	239	8	research	research	NOUN
easat-1510	239	9	by	by	ADP
easat-1510	239	10	merhi	merhi	PROPN
easat-1510	239	11	et	et	PROPN
easat-1510	239	12	al	al	PROPN
easat-1510	239	13	.	.	PROPN
easat-1510	240	1	(	(	PUNCT
easat-1510	240	2	2019	2019	NUM
easat-1510	240	3	)	)	PUNCT
easat-1510	240	4	and	and	CCONJ
easat-1510	240	5	suchi	suchi	PROPN
easat-1510	240	6	&	&	CCONJ
easat-1510	240	7	maduku	maduku	PROPN
easat-1510	240	8	(	(	PUNCT
easat-1510	240	9	2020	2020	NUM
easat-1510	240	10	)	)	PUNCT
easat-1510	240	11	.	.	PUNCT
easat-1510	241	1	even	even	ADV
easat-1510	241	2	though	though	SCONJ
easat-1510	241	3	there	there	PRON
easat-1510	241	4	are	be	VERB
easat-1510	241	5	certain	certain	ADJ
easat-1510	241	6	costs	cost	NOUN
easat-1510	241	7	,	,	PUNCT
easat-1510	241	8	lenders	lender	NOUN
easat-1510	241	9	feel	feel	VERB
easat-1510	241	10	that	that	SCONJ
easat-1510	241	11	the	the	DET
easat-1510	241	12	score	score	NOUN
easat-1510	241	13	they	they	PRON
easat-1510	241	14	receive	receive	VERB
easat-1510	241	15	is	be	AUX
easat-1510	241	16	commensurate	commensurate	ADJ
easat-1510	241	17	with	with	ADP
easat-1510	241	18	the	the	DET
easat-1510	241	19	results	result	NOUN
easat-1510	241	20	they	they	PRON
easat-1510	241	21	obtain	obtain	VERB
easat-1510	241	22	,	,	PUNCT
easat-1510	241	23	and	and	CCONJ
easat-1510	241	24	the	the	DET
easat-1510	241	25	financing	financing	NOUN
easat-1510	241	26	provided	provide	VERB
easat-1510	241	27	is	be	AUX
easat-1510	241	28	also	also	ADV
easat-1510	241	29	considered	consider	VERB
easat-1510	241	30	to	to	PART
easat-1510	241	31	provide	provide	VERB
easat-1510	241	32	added	add	VERB
easat-1510	241	33	score	score	NOUN
easat-1510	241	34	for	for	ADP
easat-1510	241	35	the	the	DET
easat-1510	241	36	borrower	borrower	NOUN
easat-1510	241	37	.	.	PUNCT
easat-1510	242	1	in	in	ADP
easat-1510	242	2	contrast	contrast	NOUN
easat-1510	242	3	,	,	PUNCT
easat-1510	242	4	scores	score	NOUN
easat-1510	242	5	and	and	CCONJ
easat-1510	242	6	habits	habit	NOUN
easat-1510	242	7	in	in	ADP
easat-1510	242	8	using	use	VERB
easat-1510	242	9	gadgets	gadget	NOUN
easat-1510	242	10	for	for	ADP
easat-1510	242	11	digital	digital	ADJ
easat-1510	242	12	financial	financial	ADJ
easat-1510	242	13	transactions	transaction	NOUN
easat-1510	242	14	do	do	AUX
easat-1510	242	15	not	not	PART
easat-1510	242	16	have	have	VERB
easat-1510	242	17	a	a	DET
easat-1510	242	18	effect	effect	NOUN
easat-1510	242	19	impact	impact	NOUN
easat-1510	242	20	on	on	ADP
easat-1510	242	21	the	the	DET
easat-1510	242	22	desire	desire	NOUN
easat-1510	242	23	to	to	PART
easat-1510	242	24	use	use	VERB
easat-1510	242	25	(	(	PUNCT
easat-1510	242	26	bi	bi	NOUN
easat-1510	242	27	)	)	PUNCT
easat-1510	242	28	sharia	sharia	PROPN
easat-1510	242	29	fintech	fintech	NOUN
easat-1510	242	30	.	.	PUNCT
easat-1510	243	1	therefore	therefore	ADV
easat-1510	243	2	,	,	PUNCT
easat-1510	243	3	the	the	DET
easat-1510	243	4	research	research	NOUN
easat-1510	243	5	emphasizes	emphasize	VERB
easat-1510	243	6	that	that	SCONJ
easat-1510	243	7	,	,	PUNCT
easat-1510	243	8	although	although	SCONJ
easat-1510	243	9	the	the	DET
easat-1510	243	10	digitalization	digitalization	NOUN
easat-1510	243	11	of	of	ADP
easat-1510	243	12	financial	financial	ADJ
easat-1510	243	13	transactions	transaction	NOUN
easat-1510	243	14	using	use	VERB
easat-1510	243	15	gadgets	gadget	NOUN
easat-1510	243	16	is	be	AUX
easat-1510	243	17	increasingly	increasingly	ADV
easat-1510	243	18	common	common	ADJ
easat-1510	243	19	,	,	PUNCT
easat-1510	243	20	attention	attention	NOUN
easat-1510	243	21	to	to	ADP
easat-1510	243	22	security	security	NOUN
easat-1510	243	23	and	and	CCONJ
easat-1510	243	24	risk	risk	NOUN
easat-1510	243	25	remains	remain	VERB
easat-1510	243	26	a	a	DET
easat-1510	243	27	priority	priority	NOUN
easat-1510	243	28	,	,	PUNCT
easat-1510	243	29	especially	especially	ADV
easat-1510	243	30	in	in	ADP
easat-1510	243	31	the	the	DET
easat-1510	243	32	context	context	NOUN
easat-1510	243	33	of	of	ADP
easat-1510	243	34	unequal	unequal	ADJ
easat-1510	243	35	corporate	corporate	ADJ
easat-1510	243	36	system	system	NOUN
easat-1510	243	37	infrastructure	infrastructure	NOUN
easat-1510	243	38	.	.	PUNCT
easat-1510	244	1	concerning	concern	VERB
easat-1510	244	2	es	es	NOUN
easat-1510	244	3	-	-	PUNCT
easat-1510	244	4	qual	qual	ADJ
easat-1510	244	5	,	,	PUNCT
easat-1510	244	6	effect	effect	NOUN
easat-1510	244	7	this	this	DET
easat-1510	244	8	result	result	NOUN
easat-1510	244	9	is	be	AUX
easat-1510	244	10	in	in	ADP
easat-1510	244	11	stark	stark	ADJ
easat-1510	244	12	contrast	contrast	NOUN
easat-1510	244	13	to	to	ADP
easat-1510	244	14	previous	previous	ADJ
easat-1510	244	15	research	research	NOUN
easat-1510	244	16	(	(	PUNCT
easat-1510	244	17	yen	yen	NOUN
easat-1510	244	18	&	&	CCONJ
easat-1510	244	19	wu	wu	PROPN
easat-1510	244	20	,	,	PUNCT
easat-1510	244	21	2016	2016	NUM
easat-1510	244	22	;	;	PUNCT
easat-1510	244	23	sharif	sharif	PROPN
easat-1510	244	24	&	&	CCONJ
easat-1510	244	25	raza	raza	PROPN
easat-1510	244	26	,	,	PUNCT
easat-1510	244	27	2017	2017	NUM
easat-1510	244	28	;	;	PUNCT
easat-1510	244	29	alalwan	alalwan	NOUN
easat-1510	244	30	et	et	PROPN
easat-1510	244	31	al	al	PROPN
easat-1510	244	32	.	.	PROPN
easat-1510	244	33	,	,	PUNCT
easat-1510	244	34	2015	2015	NUM
easat-1510	244	35	;	;	PUNCT
easat-1510	244	36	najib	najib	PROPN
easat-1510	244	37	et	et	PROPN
easat-1510	244	38	al	al	PROPN
easat-1510	244	39	.	.	PROPN
easat-1510	244	40	,	,	PUNCT
easat-1510	244	41	2021	2021	NUM
easat-1510	244	42	;	;	PUNCT
easat-1510	244	43	ahmad	ahmad	PROPN
easat-1510	244	44	&	&	CCONJ
easat-1510	244	45	yahaya	yahaya	PROPN
easat-1510	244	46	,	,	PUNCT
easat-1510	244	47	2022	2022	NUM
easat-1510	244	48	;	;	PUNCT
easat-1510	244	49	septiana	septiana	PROPN
easat-1510	244	50	et	et	PROPN
easat-1510	244	51	al	al	PROPN
easat-1510	244	52	.	.	PROPN
easat-1510	244	53	,	,	PUNCT
easat-1510	244	54	2020	2020	NUM
easat-1510	244	55	)	)	PUNCT
easat-1510	244	56	,	,	PUNCT
easat-1510	244	57	it	it	PRON
easat-1510	244	58	is	be	AUX
easat-1510	244	59	understandable	understandable	ADJ
easat-1510	244	60	that	that	SCONJ
easat-1510	244	61	muslims	muslim	NOUN
easat-1510	244	62	are	be	AUX
easat-1510	244	63	taught	teach	VERB
easat-1510	244	64	to	to	PART
easat-1510	244	65	be	be	AUX
easat-1510	244	66	careful	careful	ADJ
easat-1510	244	67	if	if	SCONJ
easat-1510	244	68	there	there	PRON
easat-1510	244	69	is	be	VERB
easat-1510	244	70	a	a	DET
easat-1510	244	71	risk	risk	NOUN
easat-1510	244	72	of	of	ADP
easat-1510	244	73	endangering	endanger	VERB
easat-1510	244	74	the	the	DET
easat-1510	244	75	sustainability	sustainability	NOUN
easat-1510	244	76	of	of	ADP
easat-1510	244	77	their	their	PRON
easat-1510	244	78	welfare	welfare	NOUN
easat-1510	244	79	,	,	PUNCT
easat-1510	244	80	including	include	VERB
easat-1510	244	81	the	the	DET
easat-1510	244	82	financial	financial	ADJ
easat-1510	244	83	health	health	NOUN
easat-1510	244	84	of	of	ADP
easat-1510	244	85	the	the	DET
easat-1510	244	86	business	business	NOUN
easat-1510	244	87	.	.	PUNCT
easat-1510	245	1	habit	habit	NOUN
easat-1510	245	2	is	be	AUX
easat-1510	245	3	not	not	PART
easat-1510	245	4	supported	support	VERB
easat-1510	245	5	due	due	ADJ
easat-1510	245	6	to	to	ADP
easat-1510	245	7	other	other	ADJ
easat-1510	245	8	more	more	ADV
easat-1510	245	9	important	important	ADJ
easat-1510	245	10	factors	factor	NOUN
easat-1510	245	11	such	such	ADJ
easat-1510	245	12	as	as	ADP
easat-1510	245	13	application	application	NOUN
easat-1510	245	14	availability	availability	NOUN
easat-1510	245	15	and	and	CCONJ
easat-1510	245	16	support	support	NOUN
easat-1510	245	17	,	,	PUNCT
easat-1510	245	18	confidence	confidence	NOUN
easat-1510	245	19	in	in	ADP
easat-1510	245	20	data	datum	NOUN
easat-1510	245	21	security	security	NOUN
easat-1510	245	22	and	and	CCONJ
easat-1510	245	23	privacy	privacy	NOUN
easat-1510	245	24	,	,	PUNCT
easat-1510	245	25	knowledge	knowledge	NOUN
easat-1510	245	26	and	and	CCONJ
easat-1510	245	27	understanding	understanding	NOUN
easat-1510	245	28	of	of	ADP
easat-1510	245	29	fintech	fintech	NOUN
easat-1510	245	30	application	application	NOUN
easat-1510	245	31	,	,	PUNCT
easat-1510	245	32	and	and	CCONJ
easat-1510	245	33	ease	ease	NOUN
easat-1510	245	34	of	of	ADP
easat-1510	245	35	use	use	NOUN
easat-1510	245	36	and	and	CCONJ
easat-1510	245	37	user	user	NOUN
easat-1510	245	38	experience	experience	NOUN
easat-1510	245	39	.	.	PUNCT
easat-1510	246	1	the	the	DET
easat-1510	246	2	empirical	empirical	ADJ
easat-1510	246	3	findings	finding	NOUN
easat-1510	246	4	successfully	successfully	ADV
easat-1510	246	5	prove	prove	VERB
easat-1510	246	6	the	the	DET
easat-1510	246	7	hypothesis	hypothesis	NOUN
easat-1510	246	8	for	for	ADP
easat-1510	246	9	the	the	DET
easat-1510	246	10	influence	influence	NOUN
easat-1510	246	11	of	of	ADP
easat-1510	246	12	religiosity	religiosity	NOUN
easat-1510	246	13	on	on	ADP
easat-1510	246	14	fintech	fintech	NOUN
easat-1510	246	15	of	of	ADP
easat-1510	246	16	sharia	sharia	PROPN
easat-1510	246	17	adoption	adoption	NOUN
easat-1510	246	18	.	.	PUNCT
easat-1510	247	1	it	it	PRON
easat-1510	247	2	is	be	AUX
easat-1510	247	3	interpreted	interpret	VERB
easat-1510	247	4	as	as	ADP
easat-1510	247	5	the	the	DET
easat-1510	247	6	role	role	NOUN
easat-1510	247	7	of	of	ADP
easat-1510	247	8	the	the	DET
easat-1510	247	9	religious	religious	ADJ
easat-1510	247	10	understanding	understand	VERB
easat-1510	247	11	customers	customer	NOUN
easat-1510	247	12	in	in	ADP
easat-1510	247	13	choosing	choose	VERB
easat-1510	247	14	financial	financial	ADJ
easat-1510	247	15	service	service	NOUN
easat-1510	247	16	products	product	NOUN
easat-1510	247	17	expected	expect	VERB
easat-1510	247	18	to	to	PART
easat-1510	247	19	bring	bring	VERB
easat-1510	247	20	blessings	blessing	NOUN
easat-1510	247	21	to	to	ADP
easat-1510	247	22	their	their	PRON
easat-1510	247	23	lives	life	NOUN
easat-1510	247	24	.	.	PUNCT
easat-1510	248	1	the	the	DET
easat-1510	248	2	use	use	NOUN
easat-1510	248	3	of	of	ADP
easat-1510	248	4	fintech	fintech	NOUN
easat-1510	248	5	of	of	ADP
easat-1510	248	6	sharia	sharia	PROPN
easat-1510	248	7	indicates	indicate	VERB
easat-1510	248	8	that	that	SCONJ
easat-1510	248	9	the	the	DET
easat-1510	248	10	customers	customer	NOUN
easat-1510	248	11	comply	comply	VERB
easat-1510	248	12	with	with	ADP
easat-1510	248	13	islamic	islamic	PROPN
easat-1510	248	14	sharia	sharia	PROPN
easat-1510	248	15	law	law	PROPN
easat-1510	248	16	,	,	PUNCT
easat-1510	248	17	notably	notably	ADV
easat-1510	248	18	concerning	concern	VERB
easat-1510	248	19	the	the	DET
easat-1510	248	20	prohibition	prohibition	NOUN
easat-1510	248	21	of	of	ADP
easat-1510	248	22	usury	usury	NOUN
easat-1510	248	23	;	;	PUNCT
easat-1510	248	24	it	it	PRON
easat-1510	248	25	thus	thus	ADV
easat-1510	248	26	contributes	contribute	VERB
easat-1510	248	27	to	to	ADP
easat-1510	248	28	the	the	DET
easat-1510	248	29	growth	growth	NOUN
easat-1510	248	30	of	of	ADP
easat-1510	248	31	islamic	islamic	ADJ
easat-1510	248	32	financial	financial	ADJ
easat-1510	248	33	institutions	institution	NOUN
easat-1510	248	34	as	as	ADP
easat-1510	248	35	pillars	pillar	NOUN
easat-1510	248	36	of	of	ADP
easat-1510	248	37	the	the	DET
easat-1510	248	38	islamic	islamic	ADJ
easat-1510	248	39	economy	economy	NOUN
easat-1510	248	40	(	(	PUNCT
easat-1510	248	41	muryanto	muryanto	NOUN
easat-1510	248	42	et	et	PROPN
easat-1510	248	43	al	al	PROPN
easat-1510	248	44	.	.	PROPN
easat-1510	248	45	,	,	PUNCT
easat-1510	248	46	2022	2022	NUM
easat-1510	248	47	)	)	PUNCT
easat-1510	248	48	.	.	PUNCT
easat-1510	249	1	religious	religious	ADJ
easat-1510	249	2	scores	score	NOUN
easat-1510	249	3	indicate	indicate	VERB
easat-1510	249	4	adherence	adherence	NOUN
easat-1510	249	5	to	to	ADP
easat-1510	249	6	sharia	sharia	PROPN
easat-1510	249	7	principles	principle	NOUN
easat-1510	249	8	and	and	CCONJ
easat-1510	249	9	norms	norm	NOUN
easat-1510	249	10	in	in	ADP
easat-1510	249	11	business	business	NOUN
easat-1510	249	12	.	.	PUNCT
easat-1510	250	1	1344	1344	NUM
easat-1510	250	2	edelweiss	edelweiss	PROPN
easat-1510	250	3	applied	apply	VERB
easat-1510	250	4	science	science	NOUN
easat-1510	250	5	and	and	CCONJ
easat-1510	250	6	technology	technology	NOUN
easat-1510	250	7	issn	issn	PROPN
easat-1510	250	8	:	:	PUNCT
easat-1510	250	9	2576	2576	NUM
easat-1510	250	10	-	-	SYM
easat-1510	250	11	8484	8484	NUM
easat-1510	250	12	vol	vol	NOUN
easat-1510	250	13	.	.	PROPN
easat-1510	250	14	8	8	NUM
easat-1510	250	15	,	,	PUNCT
easat-1510	250	16	no	no	INTJ
easat-1510	250	17	.	.	NOUN
easat-1510	250	18	4	4	NUM
easat-1510	250	19	:	:	SYM
easat-1510	250	20	1333	1333	NUM
easat-1510	250	21	-	-	SYM
easat-1510	250	22	1346	1346	NUM
easat-1510	250	23	,	,	PUNCT
easat-1510	250	24	2024	2024	NUM
easat-1510	250	25	doi	doi	NOUN
easat-1510	250	26	:	:	PUNCT
easat-1510	250	27	10.55214/25768484.v8i4.1510	10.55214/25768484.v8i4.1510	NUM
easat-1510	250	28	©	©	ADP
easat-1510	250	29	2024	2024	NUM
easat-1510	250	30	by	by	ADP
easat-1510	250	31	the	the	DET
easat-1510	250	32	authors	author	NOUN
easat-1510	250	33	;	;	PUNCT
easat-1510	250	34	licensee	licensee	PROPN
easat-1510	250	35	learning	learning	NOUN
easat-1510	250	36	gate	gate	NOUN
easat-1510	250	37	while	while	SCONJ
easat-1510	250	38	some	some	DET
easat-1510	250	39	indonesian	indonesian	ADJ
easat-1510	250	40	business	business	NOUN
easat-1510	250	41	owners	owner	NOUN
easat-1510	250	42	struggle	struggle	VERB
easat-1510	250	43	with	with	ADP
easat-1510	250	44	technological	technological	ADJ
easat-1510	250	45	advances	advance	NOUN
easat-1510	250	46	due	due	ADP
easat-1510	250	47	to	to	ADP
easat-1510	250	48	islamic	islamic	ADJ
easat-1510	250	49	conservatism	conservatism	NOUN
easat-1510	250	50	,	,	PUNCT
easat-1510	250	51	there	there	PRON
easat-1510	250	52	is	be	VERB
easat-1510	250	53	a	a	DET
easat-1510	250	54	trend	trend	NOUN
easat-1510	250	55	toward	toward	ADP
easat-1510	250	56	sharia	sharia	NOUN
easat-1510	250	57	-	-	PUNCT
easat-1510	250	58	based	base	VERB
easat-1510	250	59	socio	socio	NOUN
easat-1510	250	60	-	-	PUNCT
easat-1510	250	61	economic	economic	ADJ
easat-1510	250	62	practices	practice	NOUN
easat-1510	250	63	.	.	PUNCT
easat-1510	251	1	sharia	sharia	PROPN
easat-1510	251	2	fintech	fintech	NOUN
easat-1510	251	3	supports	support	VERB
easat-1510	251	4	progressive	progressive	ADJ
easat-1510	251	5	and	and	CCONJ
easat-1510	251	6	conservative	conservative	ADJ
easat-1510	251	7	customers	customer	NOUN
easat-1510	251	8	,	,	PUNCT
easat-1510	251	9	but	but	CCONJ
easat-1510	251	10	further	further	ADJ
easat-1510	251	11	education	education	NOUN
easat-1510	251	12	is	be	AUX
easat-1510	251	13	needed	need	VERB
easat-1510	251	14	to	to	PART
easat-1510	251	15	encourage	encourage	VERB
easat-1510	251	16	wider	wide	ADJ
easat-1510	251	17	participation	participation	NOUN
easat-1510	251	18	.	.	PUNCT
easat-1510	252	1	fintech	fintech	NOUN
easat-1510	252	2	of	of	ADP
easat-1510	252	3	sharia	sharia	PROPN
easat-1510	252	4	companies	company	NOUN
easat-1510	252	5	should	should	AUX
easat-1510	252	6	thus	thus	ADV
easat-1510	252	7	prioritize	prioritize	VERB
easat-1510	252	8	islamic	islamic	ADJ
easat-1510	252	9	scores	score	NOUN
easat-1510	252	10	in	in	ADP
easat-1510	252	11	promotions	promotion	NOUN
easat-1510	252	12	to	to	PART
easat-1510	252	13	attract	attract	VERB
easat-1510	252	14	more	more	ADJ
easat-1510	252	15	customers	customer	NOUN
easat-1510	252	16	,	,	PUNCT
easat-1510	252	17	especially	especially	ADV
easat-1510	252	18	halal	halal	VERB
easat-1510	252	19	msme	msme	NOUN
easat-1510	252	20	owners	owner	NOUN
easat-1510	252	21	.	.	PUNCT
easat-1510	253	1	strengthening	strengthen	VERB
easat-1510	253	2	service	service	NOUN
easat-1510	253	3	products	product	NOUN
easat-1510	253	4	,	,	PUNCT
easat-1510	253	5	education	education	NOUN
easat-1510	253	6	,	,	PUNCT
easat-1510	253	7	and	and	CCONJ
easat-1510	253	8	promotions	promotion	NOUN
easat-1510	253	9	is	be	AUX
easat-1510	253	10	recommended	recommend	VERB
easat-1510	253	11	to	to	PART
easat-1510	253	12	maintain	maintain	VERB
easat-1510	253	13	user	user	NOUN
easat-1510	253	14	loyalty	loyalty	NOUN
easat-1510	253	15	.	.	PUNCT
easat-1510	254	1	finally	finally	ADV
easat-1510	254	2	,	,	PUNCT
easat-1510	254	3	the	the	DET
easat-1510	254	4	research	research	NOUN
easat-1510	254	5	results	result	NOUN
easat-1510	254	6	show	show	VERB
easat-1510	254	7	that	that	SCONJ
easat-1510	254	8	the	the	DET
easat-1510	254	9	desire	desire	NOUN
easat-1510	254	10	to	to	PART
easat-1510	254	11	adopt	adopt	VERB
easat-1510	254	12	fintech	fintech	NOUN
easat-1510	254	13	has	have	VERB
easat-1510	254	14	a	a	DET
easat-1510	254	15	effect	effect	NOUN
easat-1510	254	16	relationship	relationship	NOUN
easat-1510	254	17	with	with	ADP
easat-1510	254	18	using	use	VERB
easat-1510	254	19	fintech	fintech	NOUN
easat-1510	254	20	of	of	ADP
easat-1510	254	21	sharia	sharia	PROPN
easat-1510	254	22	,	,	PUNCT
easat-1510	254	23	in	in	ADP
easat-1510	254	24	line	line	NOUN
easat-1510	254	25	with	with	ADP
easat-1510	254	26	research	research	NOUN
easat-1510	254	27	by	by	ADP
easat-1510	254	28	le	le	X
easat-1510	254	29	(	(	PUNCT
easat-1510	254	30	2021	2021	NUM
easat-1510	254	31	)	)	PUNCT
easat-1510	254	32	.	.	PUNCT
easat-1510	255	1	interestingly	interestingly	ADV
easat-1510	255	2	,	,	PUNCT
easat-1510	255	3	age	age	NOUN
easat-1510	255	4	and	and	CCONJ
easat-1510	255	5	experience	experience	NOUN
easat-1510	255	6	do	do	AUX
easat-1510	255	7	not	not	PART
easat-1510	255	8	moderate	moderate	VERB
easat-1510	255	9	any	any	DET
easat-1510	255	10	relationship	relationship	NOUN
easat-1510	255	11	between	between	ADP
easat-1510	255	12	determinants	determinant	NOUN
easat-1510	255	13	in	in	ADP
easat-1510	255	14	the	the	DET
easat-1510	255	15	utaut2	utaut2	PROPN
easat-1510	255	16	model	model	PROPN
easat-1510	255	17	,	,	PUNCT
easat-1510	255	18	as	as	SCONJ
easat-1510	255	19	discussed	discuss	VERB
easat-1510	255	20	actional	actional	ADJ
easat-1510	255	21	desire	desire	NOUN
easat-1510	255	22	(	(	PUNCT
easat-1510	255	23	bi	bi	NOUN
easat-1510	255	24	)	)	PUNCT
easat-1510	255	25	to	to	PART
easat-1510	255	26	use	use	VERB
easat-1510	255	27	fintech	fintech	NOUN
easat-1510	255	28	of	of	ADP
easat-1510	255	29	sharia	sharia	PROPN
easat-1510	255	30	for	for	ADP
easat-1510	255	31	indonesians	indonesians	PROPN
easat-1510	255	32	.	.	PUNCT
easat-1510	256	1	gender	gender	NOUN
easat-1510	256	2	moderately	moderately	ADV
easat-1510	256	3	influences	influence	VERB
easat-1510	256	4	hedonic	hedonic	ADJ
easat-1510	256	5	motivation	motivation	NOUN
easat-1510	256	6	and	and	CCONJ
easat-1510	256	7	habit	habit	NOUN
easat-1510	256	8	with	with	ADP
easat-1510	256	9	the	the	DET
easat-1510	256	10	actional	actional	ADJ
easat-1510	256	11	desire	desire	NOUN
easat-1510	256	12	(	(	PUNCT
easat-1510	256	13	bi	bi	NOUN
easat-1510	256	14	)	)	PUNCT
easat-1510	256	15	to	to	PART
easat-1510	256	16	use	use	VERB
easat-1510	256	17	fintech	fintech	NOUN
easat-1510	256	18	of	of	ADP
easat-1510	256	19	sharia	sharia	PROPN
easat-1510	256	20	.	.	PROPN
easat-1510	257	1	based	base	VERB
easat-1510	257	2	on	on	ADP
easat-1510	257	3	ojk	ojk	VERB
easat-1510	257	4	statistical	statistical	ADJ
easat-1510	257	5	data	datum	NOUN
easat-1510	257	6	regarding	regard	VERB
easat-1510	257	7	fintech	fintech	NOUN
easat-1510	257	8	users	user	NOUN
easat-1510	257	9	,	,	PUNCT
easat-1510	257	10	most	most	ADJ
easat-1510	257	11	are	be	AUX
easat-1510	257	12	male	male	ADJ
easat-1510	257	13	(	(	PUNCT
easat-1510	257	14	venkatesh	venkatesh	PROPN
easat-1510	257	15	et	et	PROPN
easat-1510	257	16	al	al	PROPN
easat-1510	257	17	.	.	PROPN
easat-1510	257	18	,	,	PUNCT
easat-1510	257	19	2012	2012	NUM
easat-1510	257	20	)	)	PUNCT
easat-1510	257	21	.	.	PUNCT
easat-1510	258	1	5	5	X
easat-1510	258	2	.	.	X
easat-1510	258	3	conclusion	conclusion	NOUN
easat-1510	258	4	the	the	DET
easat-1510	258	5	aim	aim	NOUN
easat-1510	258	6	of	of	ADP
easat-1510	258	7	this	this	DET
easat-1510	258	8	research	research	NOUN
easat-1510	258	9	is	be	AUX
easat-1510	258	10	to	to	PART
easat-1510	258	11	gain	gain	VERB
easat-1510	258	12	a	a	DET
easat-1510	258	13	better	well	ADJ
easat-1510	258	14	understanding	understanding	NOUN
easat-1510	258	15	of	of	ADP
easat-1510	258	16	the	the	DET
easat-1510	258	17	factors	factor	NOUN
easat-1510	258	18	that	that	PRON
easat-1510	258	19	influence	influence	VERB
easat-1510	258	20	the	the	DET
easat-1510	258	21	actional	actional	ADJ
easat-1510	258	22	desire	desire	NOUN
easat-1510	258	23	to	to	PART
easat-1510	258	24	use	use	VERB
easat-1510	258	25	fintech	fintech	NOUN
easat-1510	258	26	of	of	ADP
easat-1510	258	27	sharia	sharia	PROPN
easat-1510	258	28	in	in	ADP
easat-1510	258	29	indonesia	indonesia	PROPN
easat-1510	258	30	for	for	ADP
easat-1510	258	31	all	all	DET
easat-1510	258	32	fintech	fintech	NOUN
easat-1510	258	33	services	service	NOUN
easat-1510	258	34	(	(	PUNCT
easat-1510	258	35	payments	payment	NOUN
easat-1510	258	36	,	,	PUNCT
easat-1510	258	37	p2p	p2p	NOUN
easat-1510	258	38	,	,	PUNCT
easat-1510	258	39	and	and	CCONJ
easat-1510	258	40	crowdfunding	crowdfunding	NOUN
easat-1510	258	41	)	)	PUNCT
easat-1510	258	42	collectively	collectively	ADV
easat-1510	258	43	and	and	CCONJ
easat-1510	258	44	for	for	ADP
easat-1510	258	45	each	each	DET
easat-1510	258	46	service	service	NOUN
easat-1510	258	47	individually	individually	ADV
easat-1510	258	48	.	.	PUNCT
easat-1510	259	1	as	as	SCONJ
easat-1510	259	2	explained	explain	VERB
easat-1510	259	3	previously	previously	ADV
easat-1510	259	4	,	,	PUNCT
easat-1510	259	5	this	this	DET
easat-1510	259	6	research	research	NOUN
easat-1510	259	7	examines	examine	VERB
easat-1510	259	8	key	key	ADJ
easat-1510	259	9	factors	factor	NOUN
easat-1510	259	10	that	that	PRON
easat-1510	259	11	can	can	AUX
easat-1510	259	12	increase	increase	VERB
easat-1510	259	13	consumer	consumer	NOUN
easat-1510	259	14	desires	desire	NOUN
easat-1510	259	15	to	to	PART
easat-1510	259	16	use	use	VERB
easat-1510	259	17	fintech	fintech	NOUN
easat-1510	259	18	of	of	ADP
easat-1510	259	19	sharia	sharia	PROPN
easat-1510	259	20	in	in	ADP
easat-1510	259	21	indonesia	indonesia	PROPN
easat-1510	259	22	by	by	ADP
easat-1510	259	23	integrating	integrate	VERB
easat-1510	259	24	the	the	DET
easat-1510	259	25	unified	unified	ADJ
easat-1510	259	26	theory	theory	NOUN
easat-1510	259	27	of	of	ADP
easat-1510	259	28	acceptance	acceptance	NOUN
easat-1510	259	29	and	and	CCONJ
easat-1510	259	30	use	use	NOUN
easat-1510	259	31	of	of	ADP
easat-1510	259	32	application	application	NOUN
easat-1510	259	33	2	2	NUM
easat-1510	259	34	(	(	PUNCT
easat-1510	259	35	utaut2	utaut2	NOUN
easat-1510	259	36	)	)	PUNCT
easat-1510	259	37	,	,	PUNCT
easat-1510	259	38	service	service	NOUN
easat-1510	259	39	quality	quality	NOUN
easat-1510	259	40	(	(	PUNCT
easat-1510	259	41	es	es	NOUN
easat-1510	259	42	-	-	PUNCT
easat-1510	259	43	qual	qual	ADJ
easat-1510	259	44	)	)	PUNCT
easat-1510	259	45	,	,	PUNCT
easat-1510	259	46	and	and	CCONJ
easat-1510	259	47	the	the	DET
easat-1510	259	48	construct	construct	NOUN
easat-1510	259	49	of	of	ADP
easat-1510	259	50	religiosity	religiosity	NOUN
easat-1510	259	51	.	.	PUNCT
easat-1510	260	1	of	of	ADP
easat-1510	260	2	the	the	DET
easat-1510	260	3	38	38	NUM
easat-1510	260	4	hypotheses	hypothesis	NOUN
easat-1510	260	5	proposed	propose	VERB
easat-1510	260	6	in	in	ADP
easat-1510	260	7	this	this	DET
easat-1510	260	8	research	research	NOUN
easat-1510	260	9	,	,	PUNCT
easat-1510	260	10	13	13	NUM
easat-1510	260	11	hypotheses	hypothesis	NOUN
easat-1510	260	12	were	be	AUX
easat-1510	260	13	accepted	accept	VERB
easat-1510	260	14	,	,	PUNCT
easat-1510	260	15	and	and	CCONJ
easat-1510	260	16	25	25	NUM
easat-1510	260	17	hypotheses	hypothesis	NOUN
easat-1510	260	18	were	be	AUX
easat-1510	260	19	not	not	PART
easat-1510	260	20	accepted	accept	VERB
easat-1510	260	21	.	.	PUNCT
easat-1510	261	1	the	the	DET
easat-1510	261	2	strongest	strong	ADJ
easat-1510	261	3	predictors	predictor	NOUN
easat-1510	261	4	of	of	ADP
easat-1510	261	5	actional	actional	ADJ
easat-1510	261	6	desire	desire	NOUN
easat-1510	261	7	were	be	AUX
easat-1510	261	8	found	find	VERB
easat-1510	261	9	in	in	ADP
easat-1510	261	10	effort	effort	NOUN
easat-1510	261	11	expectancy	expectancy	NOUN
easat-1510	261	12	,	,	PUNCT
easat-1510	261	13	social	social	ADJ
easat-1510	261	14	influence	influence	NOUN
easat-1510	261	15	,	,	PUNCT
easat-1510	261	16	hedonic	hedonic	ADJ
easat-1510	261	17	motivation	motivation	NOUN
easat-1510	261	18	,	,	PUNCT
easat-1510	261	19	es	es	NOUN
easat-1510	261	20	-	-	PUNCT
easat-1510	261	21	qual	qual	ADJ
easat-1510	261	22	,	,	PUNCT
easat-1510	261	23	and	and	CCONJ
easat-1510	261	24	religiosity	religiosity	NOUN
easat-1510	261	25	.	.	PUNCT
easat-1510	262	1	religiosity	religiosity	NOUN
easat-1510	262	2	is	be	AUX
easat-1510	262	3	proven	prove	VERB
easat-1510	262	4	to	to	PART
easat-1510	262	5	be	be	AUX
easat-1510	262	6	a	a	DET
easat-1510	262	7	determining	determine	VERB
easat-1510	262	8	factor	factor	NOUN
easat-1510	262	9	in	in	ADP
easat-1510	262	10	desire	desire	NOUN
easat-1510	262	11	to	to	PART
easat-1510	262	12	use	use	VERB
easat-1510	262	13	fintech	fintech	NOUN
easat-1510	262	14	of	of	ADP
easat-1510	262	15	sharia	sharia	PROPN
easat-1510	262	16	.	.	PUNCT
easat-1510	263	1	customers	customer	NOUN
easat-1510	263	2	with	with	ADP
easat-1510	263	3	higher	high	ADJ
easat-1510	263	4	religiosity	religiosity	NOUN
easat-1510	263	5	scores	score	NOUN
easat-1510	263	6	are	be	AUX
easat-1510	263	7	more	more	ADV
easat-1510	263	8	likely	likely	ADJ
easat-1510	263	9	to	to	PART
easat-1510	263	10	use	use	VERB
easat-1510	263	11	fintech	fintech	NOUN
easat-1510	263	12	of	of	ADP
easat-1510	263	13	sharia	sharia	PROPN
easat-1510	263	14	compared	compare	VERB
easat-1510	263	15	to	to	ADP
easat-1510	263	16	customers	customer	NOUN
easat-1510	263	17	with	with	ADP
easat-1510	263	18	lower	low	ADJ
easat-1510	263	19	levels	level	NOUN
easat-1510	263	20	of	of	ADP
easat-1510	263	21	religiosity	religiosity	NOUN
easat-1510	263	22	.	.	PUNCT
easat-1510	264	1	this	this	PRON
easat-1510	264	2	makes	make	VERB
easat-1510	264	3	consumer	consumer	NOUN
easat-1510	264	4	religiosity	religiosity	NOUN
easat-1510	264	5	a	a	DET
easat-1510	264	6	key	key	ADJ
easat-1510	264	7	factor	factor	NOUN
easat-1510	264	8	that	that	PRON
easat-1510	264	9	fintech	fintech	NOUN
easat-1510	264	10	of	of	ADP
easat-1510	264	11	sharia	sharia	PROPN
easat-1510	264	12	providers	provider	NOUN
easat-1510	264	13	must	must	AUX
easat-1510	264	14	pay	pay	VERB
easat-1510	264	15	attention	attention	NOUN
easat-1510	264	16	to	to	ADP
easat-1510	264	17	.	.	PUNCT
easat-1510	265	1	based	base	VERB
easat-1510	265	2	on	on	ADP
easat-1510	265	3	the	the	DET
easat-1510	265	4	theoretical	theoretical	ADJ
easat-1510	265	5	perspective	perspective	NOUN
easat-1510	265	6	,	,	PUNCT
easat-1510	265	7	this	this	DET
easat-1510	265	8	research	research	NOUN
easat-1510	265	9	has	have	VERB
easat-1510	265	10	an	an	DET
easat-1510	265	11	effect	effect	NOUN
easat-1510	265	12	contribution	contribution	NOUN
easat-1510	265	13	.	.	PUNCT
easat-1510	266	1	first	first	ADV
easat-1510	266	2	,	,	PUNCT
easat-1510	266	3	the	the	DET
easat-1510	266	4	literature	literature	NOUN
easat-1510	266	5	suggests	suggest	VERB
easat-1510	266	6	the	the	DET
easat-1510	266	7	need	need	NOUN
easat-1510	266	8	for	for	ADP
easat-1510	266	9	further	further	ADJ
easat-1510	266	10	research	research	NOUN
easat-1510	266	11	that	that	PRON
easat-1510	266	12	applies	apply	VERB
easat-1510	266	13	fintech	fintech	NOUN
easat-1510	266	14	with	with	ADP
easat-1510	266	15	the	the	DET
easat-1510	266	16	integration	integration	NOUN
easat-1510	266	17	of	of	ADP
easat-1510	266	18	the	the	DET
easat-1510	266	19	unified	unified	ADJ
easat-1510	266	20	theory	theory	NOUN
easat-1510	266	21	of	of	ADP
easat-1510	266	22	acceptance	acceptance	NOUN
easat-1510	266	23	and	and	CCONJ
easat-1510	266	24	use	use	NOUN
easat-1510	266	25	of	of	ADP
easat-1510	266	26	application	application	NOUN
easat-1510	266	27	and	and	CCONJ
easat-1510	266	28	e	e	NOUN
easat-1510	266	29	-	-	NOUN
easat-1510	266	30	sq	sq	INTJ
easat-1510	266	31	in	in	ADP
easat-1510	266	32	the	the	DET
easat-1510	266	33	fintech	fintech	NOUN
easat-1510	266	34	sector	sector	NOUN
easat-1510	266	35	in	in	ADP
easat-1510	266	36	indonesia	indonesia	PROPN
easat-1510	266	37	.	.	PUNCT
easat-1510	267	1	therefore	therefore	ADV
easat-1510	267	2	,	,	PUNCT
easat-1510	267	3	this	this	DET
easat-1510	267	4	research	research	NOUN
easat-1510	267	5	makes	make	VERB
easat-1510	267	6	a	a	DET
easat-1510	267	7	positive	positive	ADJ
easat-1510	267	8	contribution	contribution	NOUN
easat-1510	267	9	to	to	ADP
easat-1510	267	10	the	the	DET
easat-1510	267	11	development	development	NOUN
easat-1510	267	12	of	of	ADP
easat-1510	267	13	financial	financial	ADJ
easat-1510	267	14	transactions	transaction	NOUN
easat-1510	267	15	using	use	VERB
easat-1510	267	16	fintech	fintech	NOUN
easat-1510	267	17	in	in	ADP
easat-1510	267	18	collaboration	collaboration	NOUN
easat-1510	267	19	with	with	ADP
easat-1510	267	20	utaut	utaut	PROPN
easat-1510	267	21	in	in	ADP
easat-1510	267	22	indonesia	indonesia	PROPN
easat-1510	267	23	.	.	PUNCT
easat-1510	268	1	this	this	DET
easat-1510	268	2	research	research	NOUN
easat-1510	268	3	perfects	perfect	VERB
easat-1510	268	4	the	the	DET
easat-1510	268	5	shortcomings	shortcoming	NOUN
easat-1510	268	6	that	that	PRON
easat-1510	268	7	occurred	occur	VERB
easat-1510	268	8	in	in	ADP
easat-1510	268	9	previous	previous	ADJ
easat-1510	268	10	research	research	NOUN
easat-1510	268	11	in	in	ADP
easat-1510	268	12	the	the	DET
easat-1510	268	13	form	form	NOUN
easat-1510	268	14	of	of	ADP
easat-1510	268	15	reviewing	review	VERB
easat-1510	268	16	islamic	islamic	ADJ
easat-1510	268	17	phenomena	phenomenon	NOUN
easat-1510	268	18	for	for	ADP
easat-1510	268	19	customers	customer	NOUN
easat-1510	268	20	who	who	PRON
easat-1510	268	21	choose	choose	VERB
easat-1510	268	22	the	the	DET
easat-1510	268	23	sharia	sharia	PROPN
easat-1510	268	24	route	route	NOUN
easat-1510	268	25	but	but	CCONJ
easat-1510	268	26	still	still	ADV
easat-1510	268	27	use	use	VERB
easat-1510	268	28	fintech	fintech	NOUN
easat-1510	268	29	e	e	NOUN
easat-1510	268	30	-	-	ADJ
easat-1510	268	31	sq	sq	ADJ
easat-1510	268	32	dimensions	dimension	NOUN
easat-1510	268	33	(	(	PUNCT
easat-1510	268	34	hahn	hahn	PROPN
easat-1510	268	35	et	et	PROPN
easat-1510	268	36	al	al	PROPN
easat-1510	268	37	.	.	PROPN
easat-1510	268	38	,	,	PUNCT
easat-1510	268	39	2017	2017	NUM
easat-1510	268	40	)	)	PUNCT
easat-1510	268	41	.	.	PUNCT
easat-1510	269	1	additionally	additionally	ADV
easat-1510	269	2	,	,	PUNCT
easat-1510	269	3	this	this	DET
easat-1510	269	4	research	research	NOUN
easat-1510	269	5	contributes	contribute	VERB
easat-1510	269	6	to	to	ADP
easat-1510	269	7	the	the	DET
easat-1510	269	8	service	service	NOUN
easat-1510	269	9	quality	quality	NOUN
easat-1510	269	10	literature	literature	NOUN
easat-1510	269	11	by	by	ADP
easat-1510	269	12	identifying	identify	VERB
easat-1510	269	13	e	e	NOUN
easat-1510	269	14	-	-	NOUN
easat-1510	269	15	sq	sq	ADJ
easat-1510	269	16	and	and	CCONJ
easat-1510	269	17	confirming	confirm	VERB
easat-1510	269	18	its	its	PRON
easat-1510	269	19	effectiveness	effectiveness	NOUN
easat-1510	269	20	in	in	ADP
easat-1510	269	21	fintech	fintech	NOUN
easat-1510	269	22	adoption	adoption	NOUN
easat-1510	269	23	copyright	copyright	NOUN
easat-1510	269	24	:	:	PUNCT
easat-1510	269	25	©	©	PROPN
easat-1510	269	26	2024	2024	NUM
easat-1510	269	27	by	by	ADP
easat-1510	269	28	the	the	DET
easat-1510	269	29	authors	author	NOUN
easat-1510	269	30	.	.	PUNCT
easat-1510	270	1	this	this	DET
easat-1510	270	2	article	article	NOUN
easat-1510	270	3	is	be	AUX
easat-1510	270	4	an	an	DET
easat-1510	270	5	open	open	ADJ
easat-1510	270	6	access	access	NOUN
easat-1510	270	7	article	article	NOUN
easat-1510	270	8	distributed	distribute	VERB
easat-1510	270	9	under	under	ADP
easat-1510	270	10	the	the	DET
easat-1510	270	11	terms	term	NOUN
easat-1510	270	12	and	and	CCONJ
easat-1510	270	13	conditions	condition	NOUN
easat-1510	270	14	of	of	ADP
easat-1510	270	15	the	the	DET
easat-1510	270	16	creative	creative	ADJ
easat-1510	270	17	commons	common	NOUN
easat-1510	270	18	attribution	attribution	NOUN
easat-1510	270	19	(	(	PUNCT
easat-1510	270	20	cc	cc	NOUN
easat-1510	270	21	by	by	ADP
easat-1510	270	22	)	)	PUNCT
easat-1510	270	23	license	license	NOUN
easat-1510	270	24	(	(	PUNCT
easat-1510	270	25	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-1510	270	26	)	)	PUNCT
easat-1510	270	27	.	.	PUNCT
easat-1510	271	1	refferences	refferences	PROPN
easat-1510	271	2	aguirre	aguirre	PROPN
easat-1510	271	3	-	-	PUNCT
easat-1510	271	4	urreta	urreta	PROPN
easat-1510	271	5	,	,	PUNCT
easat-1510	271	6	m.	m.	NOUN
easat-1510	271	7	and	and	CCONJ
easat-1510	271	8	rönkkö	rönkkö	ADJ
easat-1510	271	9	,	,	PUNCT
easat-1510	271	10	m.	m.	NOUN
easat-1510	271	11	(	(	PUNCT
easat-1510	271	12	2015	2015	NUM
easat-1510	271	13	)	)	PUNCT
easat-1510	271	14	.	.	PUNCT
easat-1510	272	1	sample	sample	NOUN
easat-1510	272	2	size	size	NOUN
easat-1510	272	3	determination	determination	NOUN
easat-1510	272	4	and	and	CCONJ
easat-1510	272	5	statistical	statistical	ADJ
easat-1510	272	6	power	power	NOUN
easat-1510	272	7	analysis	analysis	NOUN
easat-1510	272	8	in	in	ADP
easat-1510	272	9	pls	pls	NOUN
easat-1510	272	10	using	use	VERB
easat-1510	272	11	r	r	NOUN
easat-1510	272	12	:	:	PUNCT
easat-1510	272	13	an	an	DET
easat-1510	272	14	annotated	annotated	ADJ
easat-1510	272	15	tutorial	tutorial	NOUN
easat-1510	272	16	,	,	PUNCT
easat-1510	272	17	communications	communication	NOUN
easat-1510	272	18	of	of	ADP
easat-1510	272	19	the	the	DET
easat-1510	272	20	association	association	NOUN
easat-1510	272	21	for	for	ADP
easat-1510	272	22	information	information	NOUN
easat-1510	272	23	systems	system	NOUN
easat-1510	272	24	,	,	PUNCT
easat-1510	272	25	36	36	NUM
easat-1510	272	26	,	,	PUNCT
easat-1510	272	27	33	33	NUM
easat-1510	272	28	-	-	SYM
easat-1510	272	29	51	51	NUM
easat-1510	272	30	.	.	PUNCT
easat-1510	273	1	akhtar	akhtar	PROPN
easat-1510	273	2	,	,	PUNCT
easat-1510	273	3	s.	s.	PROPN
easat-1510	273	4	,	,	PUNCT
easat-1510	273	5	irfan	irfan	PROPN
easat-1510	273	6	,	,	PUNCT
easat-1510	273	7	m.	m.	NOUN
easat-1510	273	8	,	,	PUNCT
easat-1510	273	9	sarwar	sarwar	PROPN
easat-1510	273	10	,	,	PUNCT
easat-1510	273	11	a.	a.	NOUN
easat-1510	273	12	,	,	PUNCT
easat-1510	273	13	asma	asma	PROPN
easat-1510	273	14	.	.	PROPN
easat-1510	273	15	and	and	CCONJ
easat-1510	273	16	rashid	rashid	PROPN
easat-1510	273	17	,	,	PUNCT
easat-1510	273	18	q.u.a	q.u.a	NOUN
easat-1510	273	19	.	.	PUNCT
easat-1510	274	1	(	(	PUNCT
easat-1510	274	2	2019	2019	NUM
easat-1510	274	3	)	)	PUNCT
easat-1510	274	4	.	.	PUNCT
easat-1510	275	1	factors	factor	NOUN
easat-1510	275	2	influencing	influence	VERB
easat-1510	275	3	individuals	individual	NOUN
easat-1510	275	4	’	'	PUNCT
easat-1510	275	5	desire	desire	NOUN
easat-1510	275	6	to	to	PART
easat-1510	275	7	adopt	adopt	VERB
easat-1510	275	8	mobile	mobile	ADJ
easat-1510	275	9	banking	banking	NOUN
easat-1510	275	10	in	in	ADP
easat-1510	275	11	china	china	PROPN
easat-1510	275	12	and	and	CCONJ
easat-1510	275	13	pakistan	pakistan	PROPN
easat-1510	275	14	:	:	PUNCT
easat-1510	275	15	the	the	DET
easat-1510	275	16	moderating	moderate	VERB
easat-1510	275	17	role	role	NOUN
easat-1510	275	18	of	of	ADP
easat-1510	275	19	cultural	cultural	ADJ
easat-1510	275	20	scores	score	NOUN
easat-1510	275	21	”	"	PUNCT
easat-1510	275	22	.	.	PUNCT
easat-1510	276	1	journal	journal	PROPN
easat-1510	276	2	of	of	ADP
easat-1510	276	3	public	public	ADJ
easat-1510	276	4	affairs	affair	NOUN
easat-1510	276	5	,	,	PUNCT
easat-1510	276	6	19	19	NUM
easat-1510	276	7	(	(	PUNCT
easat-1510	276	8	1	1	NUM
easat-1510	276	9	)	)	PUNCT
easat-1510	276	10	,	,	PUNCT
easat-1510	276	11	1	1	NUM
easat-1510	276	12	-	-	SYM
easat-1510	276	13	15	15	NUM
easat-1510	276	14	.	.	PUNCT
easat-1510	277	1	anderson	anderson	PROPN
easat-1510	277	2	,	,	PUNCT
easat-1510	277	3	j.c	j.c	PROPN
easat-1510	277	4	.	.	PROPN
easat-1510	277	5	and	and	CCONJ
easat-1510	277	6	gerbing	gerbe	VERB
easat-1510	277	7	,	,	PUNCT
easat-1510	277	8	d.w	d.w	PROPN
easat-1510	277	9	.	.	PUNCT
easat-1510	277	10	(	(	PUNCT
easat-1510	277	11	1988	1988	NUM
easat-1510	277	12	)	)	PUNCT
easat-1510	277	13	.	.	PUNCT
easat-1510	278	1	structural	structural	ADJ
easat-1510	278	2	equation	equation	NOUN
easat-1510	278	3	modeling	modeling	NOUN
easat-1510	278	4	in	in	ADP
easat-1510	278	5	practice	practice	NOUN
easat-1510	278	6	:	:	PUNCT
easat-1510	278	7	a	a	DET
easat-1510	278	8	review	review	NOUN
easat-1510	278	9	and	and	CCONJ
easat-1510	278	10	recommended	recommend	VERB
easat-1510	278	11	two	two	NUM
easat-1510	278	12	-	-	PUNCT
easat-1510	278	13	step	step	NOUN
easat-1510	278	14	approach	approach	NOUN
easat-1510	278	15	,	,	PUNCT
easat-1510	278	16	psychological	psychological	ADJ
easat-1510	278	17	bulletin	bulletin	NOUN
easat-1510	278	18	,	,	PUNCT
easat-1510	278	19	103	103	NUM
easat-1510	278	20	(	(	PUNCT
easat-1510	278	21	3	3	NUM
easat-1510	278	22	)	)	PUNCT
easat-1510	278	23	,	,	PUNCT
easat-1510	278	24	411	411	NUM
easat-1510	278	25	.	.	PUNCT
easat-1510	279	1	bauer	bauer	PROPN
easat-1510	279	2	,	,	PUNCT
easat-1510	279	3	h.h	h.h	PROPN
easat-1510	279	4	.	.	PROPN
easat-1510	279	5	,	,	PUNCT
easat-1510	279	6	falk	falk	NOUN
easat-1510	279	7	,	,	PUNCT
easat-1510	279	8	t.	t.	NOUN
easat-1510	279	9	and	and	CCONJ
easat-1510	279	10	hammerschmidt	hammerschmidt	ADJ
easat-1510	279	11	,	,	PUNCT
easat-1510	279	12	m.	m.	NOUN
easat-1510	279	13	(	(	PUNCT
easat-1510	279	14	2006	2006	NUM
easat-1510	279	15	)	)	PUNCT
easat-1510	279	16	.	.	PUNCT
easat-1510	280	1	etransqual	etransqual	ADJ
easat-1510	280	2	:	:	PUNCT
easat-1510	280	3	a	a	DET
easat-1510	280	4	transaction	transaction	NOUN
easat-1510	280	5	process	process	NOUN
easat-1510	280	6	-	-	PUNCT
easat-1510	280	7	based	base	VERB
easat-1510	280	8	approach	approach	NOUN
easat-1510	280	9	for	for	ADP
easat-1510	280	10	capturing	capture	VERB
easat-1510	280	11	service	service	NOUN
easat-1510	280	12	quality	quality	NOUN
easat-1510	280	13	in	in	ADP
easat-1510	280	14	online	online	ADJ
easat-1510	280	15	shopping	shopping	NOUN
easat-1510	280	16	.	.	PUNCT
easat-1510	281	1	journal	journal	PROPN
easat-1510	281	2	of	of	ADP
easat-1510	281	3	business	business	NOUN
easat-1510	281	4	research	research	NOUN
easat-1510	281	5	,	,	PUNCT
easat-1510	281	6	59	59	NUM
easat-1510	281	7	(	(	PUNCT
easat-1510	281	8	7	7	NUM
easat-1510	281	9	)	)	PUNCT
easat-1510	281	10	,	,	PUNCT
easat-1510	281	11	866	866	NUM
easat-1510	281	12	-	-	SYM
easat-1510	281	13	875	875	NUM
easat-1510	281	14	.	.	PUNCT
easat-1510	282	1	bauer	bauer	PROPN
easat-1510	282	2	,	,	PUNCT
easat-1510	282	3	h.h	h.h	PROPN
easat-1510	282	4	.	.	PROPN
easat-1510	282	5	,	,	PUNCT
easat-1510	282	6	hammerschmidt	hammerschmidt	ADJ
easat-1510	282	7	,	,	PUNCT
easat-1510	282	8	m.	m.	NOUN
easat-1510	282	9	and	and	CCONJ
easat-1510	282	10	falk	falk	NOUN
easat-1510	282	11	,	,	PUNCT
easat-1510	282	12	t.	t.	PROPN
easat-1510	282	13	(	(	PUNCT
easat-1510	282	14	2005	2005	NUM
easat-1510	282	15	)	)	PUNCT
easat-1510	282	16	.	.	PUNCT
easat-1510	283	1	measuring	measure	VERB
easat-1510	283	2	the	the	DET
easat-1510	283	3	quality	quality	NOUN
easat-1510	283	4	of	of	ADP
easat-1510	283	5	e	e	NOUN
easat-1510	283	6	-	-	ADJ
easat-1510	283	7	banking	banking	ADJ
easat-1510	283	8	portals	portal	NOUN
easat-1510	283	9	.	.	PUNCT
easat-1510	284	1	international	international	ADJ
easat-1510	284	2	journal	journal	PROPN
easat-1510	284	3	of	of	ADP
easat-1510	284	4	bank	bank	PROPN
easat-1510	284	5	marketing	marketing	NOUN
easat-1510	284	6	.	.	PUNCT
easat-1510	285	1	23	23	NUM
easat-1510	285	2	(	(	PUNCT
easat-1510	285	3	2	2	NUM
easat-1510	285	4	)	)	PUNCT
easat-1510	285	5	,	,	PUNCT
easat-1510	285	6	153	153	NUM
easat-1510	285	7	-	-	SYM
easat-1510	285	8	175	175	NUM
easat-1510	285	9	.	.	PUNCT
easat-1510	286	1	blut	blut	PROPN
easat-1510	286	2	,	,	PUNCT
easat-1510	286	3	m.	m.	NOUN
easat-1510	286	4	(	(	PUNCT
easat-1510	286	5	2016	2016	NUM
easat-1510	286	6	)	)	PUNCT
easat-1510	286	7	.	.	PUNCT
easat-1510	287	1	e	e	X
easat-1510	287	2	-	-	NOUN
easat-1510	287	3	service	service	ADJ
easat-1510	287	4	quality	quality	NOUN
easat-1510	287	5	:	:	PUNCT
easat-1510	287	6	enhancement	enhancement	NOUN
easat-1510	287	7	of	of	ADP
easat-1510	287	8	a	a	DET
easat-1510	287	9	hierarchical	hierarchical	ADJ
easat-1510	287	10	model	model	NOUN
easat-1510	287	11	,	,	PUNCT
easat-1510	287	12	journal	journal	NOUN
easat-1510	287	13	of	of	ADP
easat-1510	287	14	retailing	retailing	NOUN
easat-1510	287	15	.	.	PUNCT
easat-1510	288	1	92	92	NUM
easat-1510	288	2	(	(	PUNCT
easat-1510	288	3	4	4	NUM
easat-1510	288	4	)	)	PUNCT
easat-1510	288	5	,	,	PUNCT
easat-1510	288	6	500	500	NUM
easat-1510	288	7	-	-	SYM
easat-1510	288	8	517	517	NUM
easat-1510	288	9	.	.	PUNCT
easat-1510	289	1	davis	davis	PROPN
easat-1510	289	2	,	,	PUNCT
easat-1510	289	3	f.d	f.d	PROPN
easat-1510	289	4	.	.	PROPN
easat-1510	289	5	(	(	PUNCT
easat-1510	289	6	1985	1985	NUM
easat-1510	289	7	)	)	PUNCT
easat-1510	289	8	.	.	PUNCT
easat-1510	290	1	a	a	DET
easat-1510	290	2	application	application	NOUN
easat-1510	290	3	acceptance	acceptance	NOUN
easat-1510	290	4	model	model	NOUN
easat-1510	290	5	for	for	ADP
easat-1510	290	6	empirically	empirically	ADV
easat-1510	290	7	testing	test	VERB
easat-1510	290	8	new	new	ADJ
easat-1510	290	9	end	end	NOUN
easat-1510	290	10	-	-	PUNCT
easat-1510	290	11	user	user	NOUN
easat-1510	290	12	information	information	NOUN
easat-1510	290	13	systems	system	NOUN
easat-1510	290	14	:	:	PUNCT
easat-1510	290	15	theory	theory	NOUN
easat-1510	290	16	and	and	CCONJ
easat-1510	290	17	results	result	NOUN
easat-1510	290	18	.	.	PUNCT
easat-1510	291	1	management	management	NOUN
easat-1510	291	2	,	,	PUNCT
easat-1510	291	3	ph.d.which	ph.d.which	ADJ
easat-1510	291	4	university	university	NOUN
easat-1510	291	5	?	?	PUNCT
easat-1510	292	1	p.	p.	NOUN
easat-1510	292	2	291	291	NUM
easat-1510	292	3	,	,	PUNCT
easat-1510	292	4	available	available	ADJ
easat-1510	292	5	at	at	ADP
easat-1510	292	6	:	:	PUNCT
easat-1510	292	7	https://	https://	PROPN
easat-1510	292	8	doi.org/oclc/56932490	doi.org/oclc/56932490	PROPN
easat-1510	292	9	.	.	PUNCT
easat-1510	293	1	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-1510	293	2	1345	1345	NUM
easat-1510	293	3	edelweiss	edelweiss	PROPN
easat-1510	293	4	applied	apply	VERB
easat-1510	293	5	science	science	NOUN
easat-1510	293	6	and	and	CCONJ
easat-1510	293	7	technology	technology	NOUN
easat-1510	293	8	issn	issn	PROPN
easat-1510	293	9	:	:	PUNCT
easat-1510	293	10	2576	2576	NUM
easat-1510	293	11	-	-	SYM
easat-1510	293	12	8484	8484	NUM
easat-1510	293	13	vol	vol	NOUN
easat-1510	293	14	.	.	PROPN
easat-1510	293	15	8	8	NUM
easat-1510	293	16	,	,	PUNCT
easat-1510	293	17	no	no	INTJ
easat-1510	293	18	.	.	NOUN
easat-1510	293	19	4	4	NUM
easat-1510	293	20	:	:	SYM
easat-1510	293	21	1333	1333	NUM
easat-1510	293	22	-	-	SYM
easat-1510	293	23	1346	1346	NUM
easat-1510	293	24	,	,	PUNCT
easat-1510	293	25	2024	2024	NUM
easat-1510	293	26	doi	doi	NOUN
easat-1510	293	27	:	:	PUNCT
easat-1510	293	28	10.55214/25768484.v8i4.1510	10.55214/25768484.v8i4.1510	NUM
easat-1510	293	29	©	©	ADP
easat-1510	293	30	2024	2024	NUM
easat-1510	293	31	by	by	ADP
easat-1510	293	32	the	the	DET
easat-1510	293	33	authors	author	NOUN
easat-1510	293	34	;	;	PUNCT
easat-1510	293	35	licensee	licensee	PROPN
easat-1510	293	36	learning	learning	PROPN
easat-1510	293	37	gate	gate	PROPN
easat-1510	293	38	davis	davis	PROPN
easat-1510	293	39	,	,	PUNCT
easat-1510	293	40	f.d	f.d	PROPN
easat-1510	293	41	.	.	PROPN
easat-1510	293	42	(	(	PUNCT
easat-1510	293	43	1989	1989	NUM
easat-1510	293	44	)	)	PUNCT
easat-1510	293	45	.	.	PUNCT
easat-1510	294	1	perceived	perceive	VERB
easat-1510	294	2	usefulness	usefulness	NOUN
easat-1510	294	3	,	,	PUNCT
easat-1510	294	4	perceived	perceive	VERB
easat-1510	294	5	ease	ease	NOUN
easat-1510	294	6	of	of	ADP
easat-1510	294	7	use	use	NOUN
easat-1510	294	8	,	,	PUNCT
easat-1510	294	9	and	and	CCONJ
easat-1510	294	10	user	user	NOUN
easat-1510	294	11	acceptance	acceptance	NOUN
easat-1510	294	12	of	of	ADP
easat-1510	294	13	information	information	NOUN
easat-1510	294	14	application	application	NOUN
easat-1510	294	15	.	.	PUNCT
easat-1510	295	1	mis	mis	PROPN
easat-1510	295	2	quarterly	quarterly	PROPN
easat-1510	295	3	:	:	PUNCT
easat-1510	295	4	management	management	NOUN
easat-1510	295	5	information	information	NOUN
easat-1510	295	6	systems	system	NOUN
easat-1510	295	7	,	,	PUNCT
easat-1510	295	8	13	13	NUM
easat-1510	295	9	(	(	PUNCT
easat-1510	295	10	3	3	NUM
easat-1510	295	11	)	)	PUNCT
easat-1510	295	12	,	,	PUNCT
easat-1510	295	13	319	319	NUM
easat-1510	295	14	-	-	SYM
easat-1510	295	15	339	339	NUM
easat-1510	295	16	,	,	PUNCT
easat-1510	295	17	doi	doi	NOUN
easat-1510	295	18	:	:	PUNCT
easat-1510	295	19	10.2307/249008	10.2307/249008	NUM
easat-1510	295	20	.	.	PUNCT
easat-1510	296	1	davis	davis	PROPN
easat-1510	296	2	,	,	PUNCT
easat-1510	296	3	f.d	f.d	PROPN
easat-1510	296	4	.	.	PROPN
easat-1510	296	5	,	,	PUNCT
easat-1510	296	6	bagozzi	bagozzi	PROPN
easat-1510	296	7	,	,	PUNCT
easat-1510	296	8	r.p	r.p	PROPN
easat-1510	296	9	.	.	PROPN
easat-1510	296	10	and	and	CCONJ
easat-1510	296	11	warshaw	warshaw	PROPN
easat-1510	296	12	,	,	PUNCT
easat-1510	296	13	p.r	p.r	PROPN
easat-1510	296	14	.	.	PROPN
easat-1510	296	15	(	(	PUNCT
easat-1510	296	16	1992	1992	NUM
easat-1510	296	17	)	)	PUNCT
easat-1510	296	18	.	.	PUNCT
easat-1510	297	1	extrinsic	extrinsic	ADJ
easat-1510	297	2	and	and	CCONJ
easat-1510	297	3	intrinsic	intrinsic	ADJ
easat-1510	297	4	motivation	motivation	NOUN
easat-1510	297	5	to	to	PART
easat-1510	297	6	use	use	VERB
easat-1510	297	7	computers	computer	NOUN
easat-1510	297	8	in	in	ADP
easat-1510	297	9	the	the	DET
easat-1510	297	10	workplace1	workplace1	NOUN
easat-1510	297	11	,	,	PUNCT
easat-1510	297	12	journal	journal	NOUN
easat-1510	297	13	of	of	ADP
easat-1510	297	14	applied	apply	VERB
easat-1510	297	15	social	social	ADJ
easat-1510	297	16	psychology	psychology	NOUN
easat-1510	297	17	,	,	PUNCT
easat-1510	297	18	22	22	NUM
easat-1510	297	19	(	(	PUNCT
easat-1510	297	20	14	14	NUM
easat-1510	297	21	)	)	PUNCT
easat-1510	297	22	,	,	PUNCT
easat-1510	297	23	1111	1111	NUM
easat-1510	297	24	-	-	SYM
easat-1510	297	25	1132	1132	NUM
easat-1510	297	26	.	.	PUNCT
easat-1510	298	1	de	de	PROPN
easat-1510	298	2	haan	haan	PROPN
easat-1510	298	3	,	,	PUNCT
easat-1510	298	4	j.	j.	PROPN
easat-1510	298	5	,	,	PUNCT
easat-1510	298	6	&	&	CCONJ
easat-1510	298	7	vlahu	vlahu	PROPN
easat-1510	298	8	,	,	PUNCT
easat-1510	298	9	r.	r.	PROPN
easat-1510	298	10	(	(	PUNCT
easat-1510	298	11	2016	2016	NUM
easat-1510	298	12	)	)	PUNCT
easat-1510	298	13	.	.	PUNCT
easat-1510	299	1	corporate	corporate	ADJ
easat-1510	299	2	governance	governance	NOUN
easat-1510	299	3	of	of	ADP
easat-1510	299	4	banks	bank	NOUN
easat-1510	299	5	:	:	PUNCT
easat-1510	299	6	a	a	DET
easat-1510	299	7	survey	survey	NOUN
easat-1510	299	8	.	.	PUNCT
easat-1510	300	1	journal	journal	NOUN
easat-1510	300	2	of	of	ADP
easat-1510	300	3	economic	economic	ADJ
easat-1510	300	4	surveys	survey	NOUN
easat-1510	300	5	,	,	PUNCT
easat-1510	300	6	30(2	30(2	NUM
easat-1510	300	7	)	)	PUNCT
easat-1510	300	8	,	,	PUNCT
easat-1510	300	9	228	228	NUM
easat-1510	300	10	-	-	SYM
easat-1510	300	11	277	277	NUM
easat-1510	300	12	.	.	PUNCT
easat-1510	301	1	gupta	gupta	PROPN
easat-1510	301	2	,	,	PUNCT
easat-1510	301	3	a.	a.	NOUN
easat-1510	301	4	and	and	CCONJ
easat-1510	301	5	xia	xia	PROPN
easat-1510	301	6	,	,	PUNCT
easat-1510	301	7	c.	c.	PROPN
easat-1510	301	8	(	(	PUNCT
easat-1510	301	9	2018	2018	NUM
easat-1510	301	10	)	)	PUNCT
easat-1510	301	11	.	.	PUNCT
easat-1510	302	1	a	a	DET
easat-1510	302	2	paradigm	paradigm	NOUN
easat-1510	302	3	shift	shift	NOUN
easat-1510	302	4	in	in	ADP
easat-1510	302	5	banking	banking	NOUN
easat-1510	302	6	:	:	PUNCT
easat-1510	302	7	unfolding	unfold	VERB
easat-1510	302	8	asia	asia	PROPN
easat-1510	302	9	’s	’s	PART
easat-1510	302	10	fintech	fintech	NOUN
easat-1510	302	11	adventures	adventure	NOUN
easat-1510	302	12	,	,	PUNCT
easat-1510	302	13	international	international	ADJ
easat-1510	302	14	symposia	symposia	NOUN
easat-1510	302	15	in	in	ADP
easat-1510	302	16	economic	economic	ADJ
easat-1510	302	17	theory	theory	NOUN
easat-1510	302	18	and	and	CCONJ
easat-1510	302	19	econometrics	econometric	NOUN
easat-1510	302	20	,	,	PUNCT
easat-1510	302	21	25	25	NUM
easat-1510	302	22	,	,	PUNCT
easat-1510	302	23	doi	doi	NOUN
easat-1510	302	24	:	:	PUNCT
easat-1510	302	25	10.1108	10.1108	NUM
easat-1510	302	26	/	/	SYM
easat-1510	302	27	s1571038620180000025010	s1571038620180000025010	PROPN
easat-1510	302	28	.	.	PUNCT
easat-1510	303	1	hahn	hahn	PROPN
easat-1510	303	2	,	,	PUNCT
easat-1510	303	3	s.-e	s.-e	PROPN
easat-1510	303	4	.	.	PROPN
easat-1510	303	5	,	,	PUNCT
easat-1510	303	6	sparks	spark	VERB
easat-1510	303	7	,	,	PUNCT
easat-1510	303	8	b.	b.	PROPN
easat-1510	303	9	,	,	PUNCT
easat-1510	303	10	wilkins	wilkins	PROPN
easat-1510	303	11	,	,	PUNCT
easat-1510	303	12	h.	h.	PROPN
easat-1510	303	13	and	and	CCONJ
easat-1510	303	14	jin	jin	PROPN
easat-1510	303	15	,	,	PUNCT
easat-1510	303	16	x.	x.	NOUN
easat-1510	303	17	(	(	PUNCT
easat-1510	303	18	2017	2017	NUM
easat-1510	303	19	)	)	PUNCT
easat-1510	303	20	.	.	PUNCT
easat-1510	304	1	e	e	X
easat-1510	304	2	-	-	NOUN
easat-1510	304	3	service	service	ADJ
easat-1510	304	4	quality	quality	NOUN
easat-1510	304	5	management	management	NOUN
easat-1510	304	6	of	of	ADP
easat-1510	304	7	a	a	DET
easat-1510	304	8	hotel	hotel	NOUN
easat-1510	304	9	website	website	NOUN
easat-1510	304	10	:	:	PUNCT
easat-1510	304	11	a	a	DET
easat-1510	304	12	scale	scale	NOUN
easat-1510	304	13	and	and	CCONJ
easat-1510	304	14	implications	implication	NOUN
easat-1510	304	15	for	for	ADP
easat-1510	304	16	management	management	NOUN
easat-1510	304	17	.	.	PUNCT
easat-1510	305	1	journal	journal	PROPN
easat-1510	305	2	of	of	ADP
easat-1510	305	3	hospitality	hospitality	NOUN
easat-1510	305	4	marketing	marketing	NOUN
easat-1510	305	5	&	&	CCONJ
easat-1510	305	6	management	management	NOUN
easat-1510	305	7	,	,	PUNCT
easat-1510	305	8	26	26	NUM
easat-1510	305	9	(	(	PUNCT
easat-1510	305	10	7	7	NUM
easat-1510	305	11	)	)	PUNCT
easat-1510	305	12	,	,	PUNCT
easat-1510	305	13	694	694	NUM
easat-1510	305	14	-	-	SYM
easat-1510	305	15	716	716	NUM
easat-1510	305	16	.	.	PUNCT
easat-1510	306	1	hair	hair	NOUN
easat-1510	306	2	,	,	PUNCT
easat-1510	306	3	j.f	j.f	PROPN
easat-1510	306	4	.	.	PROPN
easat-1510	306	5	(	(	PUNCT
easat-1510	306	6	2007	2007	NUM
easat-1510	306	7	)	)	PUNCT
easat-1510	306	8	,	,	PUNCT
easat-1510	306	9	research	research	NOUN
easat-1510	306	10	methods	method	NOUN
easat-1510	306	11	for	for	ADP
easat-1510	306	12	business	business	NOUN
easat-1510	306	13	.	.	PUNCT
easat-1510	307	1	and	and	CCONJ
easat-1510	307	2	validation	validation	NOUN
easat-1510	307	3	,	,	PUNCT
easat-1510	307	4	european	european	PROPN
easat-1510	307	5	business	business	PROPN
easat-1510	307	6	review	review	PROPN
easat-1510	307	7	,	,	PUNCT
easat-1510	307	8	22	22	NUM
easat-1510	307	9	(	(	PUNCT
easat-1510	307	10	1	1	NUM
easat-1510	307	11	)	)	PUNCT
easat-1510	307	12	,	,	PUNCT
easat-1510	307	13	5	5	NUM
easat-1510	307	14	-	-	SYM
easat-1510	307	15	24	24	NUM
easat-1510	307	16	.	.	PUNCT
easat-1510	308	1	hair	hair	NOUN
easat-1510	308	2	,	,	PUNCT
easat-1510	308	3	j.f	j.f	PROPN
easat-1510	308	4	.	.	PROPN
easat-1510	308	5	,	,	PUNCT
easat-1510	308	6	black	black	ADJ
easat-1510	308	7	,	,	PUNCT
easat-1510	308	8	w.c	w.c	PROPN
easat-1510	308	9	.	.	PROPN
easat-1510	308	10	,	,	PUNCT
easat-1510	308	11	babin	babin	PROPN
easat-1510	308	12	,	,	PUNCT
easat-1510	308	13	b.j	b.j	PROPN
easat-1510	308	14	.	.	PROPN
easat-1510	308	15	,	,	PUNCT
easat-1510	308	16	anderson	anderson	PROPN
easat-1510	308	17	,	,	PUNCT
easat-1510	308	18	r.e	r.e	PROPN
easat-1510	308	19	.	.	PROPN
easat-1510	308	20	and	and	CCONJ
easat-1510	308	21	tatham	tatham	NOUN
easat-1510	308	22	,	,	PUNCT
easat-1510	308	23	r.l	r.l	PROPN
easat-1510	308	24	.	.	PROPN
easat-1510	308	25	(	(	PUNCT
easat-1510	308	26	2010	2010	NUM
easat-1510	308	27	)	)	PUNCT
easat-1510	308	28	.	.	PUNCT
easat-1510	309	1	multivariate	multivariate	NOUN
easat-1510	309	2	data	datum	NOUN
easat-1510	309	3	analysis	analysis	NOUN
easat-1510	309	4	,	,	PUNCT
easat-1510	309	5	7	7	NUM
easat-1510	309	6	,	,	PUNCT
easat-1510	309	7	prentice	prentice	NOUN
easat-1510	309	8	hall	hall	NOUN
easat-1510	309	9	.	.	PUNCT
easat-1510	310	1	hendratmi	hendratmi	PROPN
easat-1510	310	2	,	,	PUNCT
easat-1510	310	3	a.	a.	NOUN
easat-1510	310	4	,	,	PUNCT
easat-1510	310	5	ryandono	ryandono	PROPN
easat-1510	310	6	,	,	PUNCT
easat-1510	310	7	m.n.h	m.n.h	X
easat-1510	310	8	.	.	PROPN
easat-1510	310	9	and	and	CCONJ
easat-1510	310	10	sukmaningrum	sukmaningrum	PROPN
easat-1510	310	11	,	,	PUNCT
easat-1510	310	12	p.s	p.s	PROPN
easat-1510	310	13	.	.	PROPN
easat-1510	310	14	(	(	PUNCT
easat-1510	310	15	2019	2019	NUM
easat-1510	310	16	)	)	PUNCT
easat-1510	310	17	.	.	PUNCT
easat-1510	311	1	developing	develop	VERB
easat-1510	311	2	islamic	islamic	ADJ
easat-1510	311	3	crowdfunding	crowdfunding	NOUN
easat-1510	311	4	website	website	NOUN
easat-1510	311	5	platform	platform	NOUN
easat-1510	311	6	for	for	ADP
easat-1510	311	7	startup	startup	NOUN
easat-1510	311	8	companies	company	NOUN
easat-1510	311	9	in	in	ADP
easat-1510	311	10	indonesia	indonesia	PROPN
easat-1510	311	11	,	,	PUNCT
easat-1510	311	12	journal	journal	NOUN
easat-1510	311	13	of	of	ADP
easat-1510	311	14	islamic	islamic	PROPN
easat-1510	311	15	marketing	marketing	NOUN
easat-1510	311	16	,	,	PUNCT
easat-1510	311	17	doi	doi	NOUN
easat-1510	311	18	:	:	PUNCT
easat-1510	311	19	10.1108/	10.1108/	NUM
easat-1510	311	20	jima-02	jima-02	PROPN
easat-1510	311	21	-	-	PUNCT
easat-1510	311	22	2019	2019	NUM
easat-1510	311	23	-	-	PUNCT
easat-1510	311	24	0022	0022	NUM
easat-1510	311	25	.	.	PUNCT
easat-1510	312	1	ho	ho	PROPN
easat-1510	312	2	,	,	PUNCT
easat-1510	312	3	c.-t.b	c.-t.b	PROPN
easat-1510	312	4	.	.	PUNCT
easat-1510	312	5	and	and	CCONJ
easat-1510	312	6	lin	lin	PROPN
easat-1510	312	7	,	,	PUNCT
easat-1510	312	8	w.-c	w.-c	NOUN
easat-1510	312	9	.	.	PUNCT
easat-1510	313	1	(	(	PUNCT
easat-1510	313	2	2010	2010	NUM
easat-1510	313	3	)	)	PUNCT
easat-1510	313	4	.	.	PUNCT
easat-1510	314	1	measuring	measure	VERB
easat-1510	314	2	the	the	DET
easat-1510	314	3	service	service	NOUN
easat-1510	314	4	quality	quality	NOUN
easat-1510	314	5	of	of	ADP
easat-1510	314	6	internet	internet	NOUN
easat-1510	314	7	banking	banking	NOUN
easat-1510	314	8	:	:	PUNCT
easat-1510	314	9	scale	scale	NOUN
easat-1510	314	10	enhancement	enhancement	NOUN
easat-1510	314	11	hoehle	hoehle	NOUN
easat-1510	314	12	,	,	PUNCT
easat-1510	314	13	h.	h.	PROPN
easat-1510	314	14	,	,	PUNCT
easat-1510	314	15	scornavacca	scornavacca	PROPN
easat-1510	314	16	,	,	PUNCT
easat-1510	314	17	e.	e.	PROPN
easat-1510	314	18	,	,	PUNCT
easat-1510	314	19	&	&	CCONJ
easat-1510	314	20	huff	huff	PROPN
easat-1510	314	21	,	,	PUNCT
easat-1510	314	22	s.	s.	PROPN
easat-1510	314	23	(	(	PUNCT
easat-1510	314	24	2012	2012	NUM
easat-1510	314	25	)	)	PUNCT
easat-1510	314	26	.	.	PUNCT
easat-1510	315	1	three	three	NUM
easat-1510	315	2	decades	decade	NOUN
easat-1510	315	3	of	of	ADP
easat-1510	315	4	research	research	NOUN
easat-1510	315	5	on	on	ADP
easat-1510	315	6	consumer	consumer	NOUN
easat-1510	315	7	adoption	adoption	NOUN
easat-1510	315	8	and	and	CCONJ
easat-1510	315	9	utilization	utilization	NOUN
easat-1510	315	10	of	of	ADP
easat-1510	315	11	electronic	electronic	ADJ
easat-1510	315	12	banking	banking	NOUN
easat-1510	315	13	channels	channel	NOUN
easat-1510	315	14	:	:	PUNCT
easat-1510	315	15	a	a	DET
easat-1510	315	16	literature	literature	NOUN
easat-1510	315	17	analysis	analysis	NOUN
easat-1510	315	18	.	.	PUNCT
easat-1510	316	1	decision	decision	NOUN
easat-1510	316	2	support	support	NOUN
easat-1510	316	3	systems	system	NOUN
easat-1510	316	4	,	,	PUNCT
easat-1510	316	5	54(1	54(1	NUM
easat-1510	316	6	)	)	PUNCT
easat-1510	316	7	,	,	PUNCT
easat-1510	316	8	122	122	NUM
easat-1510	316	9	-	-	SYM
easat-1510	316	10	132	132	NUM
easat-1510	316	11	.	.	PUNCT
easat-1510	317	1	ibrahim	ibrahim	PROPN
easat-1510	317	2	,	,	PUNCT
easat-1510	317	3	n.	n.	PROPN
easat-1510	317	4	,	,	PUNCT
easat-1510	317	5	&	&	CCONJ
easat-1510	317	6	mohd	mohd	PROPN
easat-1510	317	7	sapian	sapian	PROPN
easat-1510	317	8	,	,	PUNCT
easat-1510	317	9	s.	s.	PROPN
easat-1510	317	10	(	(	PUNCT
easat-1510	317	11	2023	2023	NUM
easat-1510	317	12	)	)	PUNCT
easat-1510	317	13	.	.	PUNCT
easat-1510	318	1	factors	factor	NOUN
easat-1510	318	2	influencing	influence	VERB
easat-1510	318	3	customers	customer	NOUN
easat-1510	318	4	’	'	PUNCT
easat-1510	318	5	selection	selection	NOUN
easat-1510	318	6	of	of	ADP
easat-1510	318	7	islamic	islamic	ADJ
easat-1510	318	8	home	home	NOUN
easat-1510	318	9	financing	financing	NOUN
easat-1510	318	10	:	:	PUNCT
easat-1510	318	11	a	a	DET
easat-1510	318	12	systematic	systematic	ADJ
easat-1510	318	13	review	review	NOUN
easat-1510	318	14	.	.	PUNCT
easat-1510	319	1	international	international	ADJ
easat-1510	319	2	journal	journal	PROPN
easat-1510	319	3	of	of	ADP
easat-1510	319	4	housing	housing	NOUN
easat-1510	319	5	markets	market	NOUN
easat-1510	319	6	and	and	CCONJ
easat-1510	319	7	analysis	analysis	NOUN
easat-1510	319	8	,	,	PUNCT
easat-1510	319	9	16(1	16(1	NUM
easat-1510	319	10	)	)	PUNCT
easat-1510	319	11	,	,	PUNCT
easat-1510	319	12	59	59	NUM
easat-1510	319	13	-	-	SYM
easat-1510	319	14	84	84	NUM
easat-1510	319	15	.	.	PUNCT
easat-1510	320	1	irons	iron	NOUN
easat-1510	320	2	,	,	PUNCT
easat-1510	320	3	w.	w.	NOUN
easat-1510	320	4	(	(	PUNCT
easat-1510	320	5	2001	2001	NUM
easat-1510	320	6	)	)	PUNCT
easat-1510	320	7	.	.	PUNCT
easat-1510	321	1	religion	religion	NOUN
easat-1510	321	2	as	as	ADP
easat-1510	321	3	a	a	DET
easat-1510	321	4	hard	hard	ADJ
easat-1510	321	5	-	-	PUNCT
easat-1510	321	6	to	to	ADP
easat-1510	321	7	-	-	PUNCT
easat-1510	321	8	fake	fake	ADJ
easat-1510	321	9	sign	sign	NOUN
easat-1510	321	10	of	of	ADP
easat-1510	321	11	commitment	commitment	NOUN
easat-1510	321	12	.	.	PUNCT
easat-1510	322	1	evolution	evolution	NOUN
easat-1510	322	2	and	and	CCONJ
easat-1510	322	3	the	the	DET
easat-1510	322	4	capacity	capacity	NOUN
easat-1510	322	5	for	for	ADP
easat-1510	322	6	commitment	commitment	NOUN
easat-1510	322	7	,	,	PUNCT
easat-1510	322	8	292309	292309	NUM
easat-1510	322	9	.	.	PUNCT
easat-1510	323	1	ismail	ismail	PROPN
easat-1510	323	2	hussien	hussien	PROPN
easat-1510	323	3	,	,	PUNCT
easat-1510	323	4	m.	m.	NOUN
easat-1510	323	5	and	and	CCONJ
easat-1510	323	6	abd	abd	PROPN
easat-1510	323	7	el	el	PROPN
easat-1510	323	8	aziz	aziz	PROPN
easat-1510	323	9	,	,	PUNCT
easat-1510	323	10	r.	r.	PROPN
easat-1510	323	11	(	(	PUNCT
easat-1510	323	12	2013	2013	NUM
easat-1510	323	13	)	)	PUNCT
easat-1510	323	14	.	.	PUNCT
easat-1510	324	1	investigating	investigate	VERB
easat-1510	324	2	e	e	NOUN
easat-1510	324	3	-	-	ADJ
easat-1510	324	4	banking	banking	ADJ
easat-1510	324	5	service	service	NOUN
easat-1510	324	6	quality	quality	NOUN
easat-1510	324	7	in	in	ADP
easat-1510	324	8	one	one	NUM
easat-1510	324	9	of	of	ADP
easat-1510	324	10	egypt	egypt	PROPN
easat-1510	324	11	’s	’s	PART
easat-1510	324	12	banks	bank	NOUN
easat-1510	324	13	:	:	PUNCT
easat-1510	324	14	a	a	DET
easat-1510	324	15	stakeholder	stakeholder	NOUN
easat-1510	324	16	analysis	analysis	NOUN
easat-1510	324	17	.	.	PUNCT
easat-1510	325	1	the	the	DET
easat-1510	325	2	tqm	tqm	PROPN
easat-1510	325	3	journal	journal	NOUN
easat-1510	325	4	,	,	PUNCT
easat-1510	325	5	25(5	25(5	NUM
easat-1510	325	6	)	)	PUNCT
easat-1510	325	7	,	,	PUNCT
easat-1510	325	8	557	557	NUM
easat-1510	325	9	-	-	SYM
easat-1510	325	10	576	576	NUM
easat-1510	325	11	.	.	PUNCT
easat-1510	326	1	ismail	ismail	PROPN
easat-1510	326	2	hussien	hussien	PROPN
easat-1510	326	3	,	,	PUNCT
easat-1510	326	4	m.	m.	NOUN
easat-1510	326	5	,	,	PUNCT
easat-1510	326	6	&	&	CCONJ
easat-1510	326	7	abd	abd	PROPN
easat-1510	326	8	el	el	PROPN
easat-1510	326	9	aziz	aziz	PROPN
easat-1510	326	10	,	,	PUNCT
easat-1510	326	11	r.	r.	PROPN
easat-1510	326	12	(	(	PUNCT
easat-1510	326	13	2013	2013	NUM
easat-1510	326	14	)	)	PUNCT
easat-1510	326	15	.	.	PUNCT
easat-1510	327	1	investigating	investigate	VERB
easat-1510	327	2	e	e	NOUN
easat-1510	327	3	-	-	ADJ
easat-1510	327	4	banking	banking	ADJ
easat-1510	327	5	service	service	NOUN
easat-1510	327	6	quality	quality	NOUN
easat-1510	327	7	in	in	ADP
easat-1510	327	8	one	one	NUM
easat-1510	327	9	of	of	ADP
easat-1510	327	10	egypt	egypt	PROPN
easat-1510	327	11	’s	’s	PART
easat-1510	327	12	banks	bank	NOUN
easat-1510	327	13	:	:	PUNCT
easat-1510	327	14	a	a	DET
easat-1510	327	15	stakeholder	stakeholder	NOUN
easat-1510	327	16	analysis	analysis	NOUN
easat-1510	327	17	.	.	PUNCT
easat-1510	328	1	the	the	DET
easat-1510	328	2	tqm	tqm	PROPN
easat-1510	328	3	journal	journal	NOUN
easat-1510	328	4	,	,	PUNCT
easat-1510	328	5	25(5	25(5	NUM
easat-1510	328	6	)	)	PUNCT
easat-1510	328	7	,	,	PUNCT
easat-1510	328	8	557	557	NUM
easat-1510	328	9	-	-	SYM
easat-1510	328	10	576	576	NUM
easat-1510	328	11	.	.	PUNCT
easat-1510	329	1	kusuma	kusuma	PROPN
easat-1510	329	2	,	,	PUNCT
easat-1510	329	3	h.	h.	PROPN
easat-1510	329	4	,	,	PUNCT
easat-1510	329	5	&	&	CCONJ
easat-1510	329	6	wibowo	wibowo	PROPN
easat-1510	329	7	,	,	PUNCT
easat-1510	329	8	d.	d.	PROPN
easat-1510	329	9	(	(	PUNCT
easat-1510	329	10	2021	2021	NUM
easat-1510	329	11	,	,	PUNCT
easat-1510	329	12	ibrahim	ibrahim	PROPN
easat-1510	329	13	,	,	PUNCT
easat-1510	329	14	n.	n.	PROPN
easat-1510	329	15	,	,	PUNCT
easat-1510	329	16	&	&	CCONJ
easat-1510	329	17	mohd	mohd	PROPN
easat-1510	329	18	sapian	sapian	PROPN
easat-1510	329	19	,	,	PUNCT
easat-1510	329	20	s.	s.	PROPN
easat-1510	329	21	(	(	PUNCT
easat-1510	329	22	2023	2023	NUM
easat-1510	329	23	)	)	PUNCT
easat-1510	329	24	,	,	PUNCT
easat-1510	329	25	sugiarto	sugiarto	PROPN
easat-1510	329	26	,	,	PUNCT
easat-1510	329	27	i.	i.	PROPN
easat-1510	329	28	,	,	PUNCT
easat-1510	329	29	&	&	CCONJ
easat-1510	329	30	disemadi	disemadi	PROPN
easat-1510	329	31	,	,	PUNCT
easat-1510	329	32	h.	h.	PROPN
easat-1510	329	33	s.	s.	PROPN
easat-1510	329	34	(	(	PUNCT
easat-1510	329	35	2020	2020	NUM
easat-1510	329	36	)	)	PUNCT
easat-1510	329	37	,	,	PUNCT
easat-1510	329	38	and	and	CCONJ
easat-1510	329	39	rahim	rahim	PROPN
easat-1510	329	40	,	,	PUNCT
easat-1510	329	41	n.	n.	PROPN
easat-1510	329	42	f.	f.	PROPN
easat-1510	329	43	,	,	PUNCT
easat-1510	329	44	bakri	bakri	PROPN
easat-1510	329	45	,	,	PUNCT
easat-1510	329	46	m.	m.	PROPN
easat-1510	329	47	h.	h.	PROPN
easat-1510	329	48	,	,	PUNCT
easat-1510	329	49	fianto	fianto	PROPN
easat-1510	329	50	,	,	PUNCT
easat-1510	329	51	b.	b.	PROPN
easat-1510	329	52	a.	a.	PROPN
easat-1510	329	53	,	,	PUNCT
easat-1510	329	54	zainal	zainal	PROPN
easat-1510	329	55	,	,	PUNCT
easat-1510	329	56	n.	n.	NOUN
easat-1510	329	57	,	,	PUNCT
easat-1510	329	58	&	&	CCONJ
easat-1510	329	59	hussein	hussein	PROPN
easat-1510	329	60	al	al	PROPN
easat-1510	329	61	shami	shami	PROPN
easat-1510	329	62	,	,	PUNCT
easat-1510	329	63	s.	s.	PROPN
easat-1510	329	64	a.	a.	PROPN
easat-1510	329	65	(	(	PUNCT
easat-1510	329	66	2023	2023	NUM
easat-1510	329	67	)	)	PUNCT
easat-1510	329	68	kusuma	kusuma	PROPN
easat-1510	329	69	,	,	PUNCT
easat-1510	329	70	h.	h.	PROPN
easat-1510	329	71	,	,	PUNCT
easat-1510	329	72	&	&	CCONJ
easat-1510	329	73	wibowo	wibowo	PROPN
easat-1510	329	74	,	,	PUNCT
easat-1510	329	75	d.	d.	PROPN
easat-1510	329	76	(	(	PUNCT
easat-1510	329	77	2021	2021	NUM
easat-1510	329	78	,	,	PUNCT
easat-1510	329	79	january	january	PROPN
easat-1510	329	80	)	)	PUNCT
easat-1510	329	81	.	.	PUNCT
easat-1510	330	1	the	the	DET
easat-1510	330	2	impact	impact	NOUN
easat-1510	330	3	of	of	ADP
easat-1510	330	4	service	service	NOUN
easat-1510	330	5	quality	quality	NOUN
easat-1510	330	6	,	,	PUNCT
easat-1510	330	7	application	application	NOUN
easat-1510	330	8	acceptance	acceptance	NOUN
easat-1510	330	9	and	and	CCONJ
easat-1510	330	10	religiosity	religiosity	NOUN
easat-1510	330	11	on	on	ADP
easat-1510	330	12	the	the	DET
easat-1510	330	13	selection	selection	NOUN
easat-1510	330	14	of	of	ADP
easat-1510	330	15	islamic	islamic	PROPN
easat-1510	330	16	bank	bank	PROPN
easat-1510	330	17	and	and	CCONJ
easat-1510	330	18	fintech	fintech	NOUN
easat-1510	330	19	–	–	PUNCT
easat-1510	330	20	investigating	investigate	VERB
easat-1510	330	21	the	the	DET
easat-1510	330	22	stagnation	stagnation	NOUN
easat-1510	330	23	of	of	ADP
easat-1510	330	24	indonesian	indonesian	ADJ
easat-1510	330	25	islamic	islamic	PROPN
easat-1510	330	26	banking	banking	NOUN
easat-1510	330	27	.	.	PUNCT
easat-1510	331	1	in	in	ADP
easat-1510	331	2	proceedings	proceeding	NOUN
easat-1510	331	3	of	of	ADP
easat-1510	331	4	the	the	DET
easat-1510	331	5	1st	1st	ADJ
easat-1510	331	6	international	international	ADJ
easat-1510	331	7	conference	conference	NOUN
easat-1510	331	8	on	on	ADP
easat-1510	331	9	islam	islam	PROPN
easat-1510	331	10	,	,	PUNCT
easat-1510	331	11	science	science	NOUN
easat-1510	331	12	and	and	CCONJ
easat-1510	331	13	application	application	NOUN
easat-1510	331	14	,	,	PUNCT
easat-1510	331	15	iconistech	iconistech	NOUN
easat-1510	331	16	2019	2019	NUM
easat-1510	331	17	,	,	PUNCT
easat-1510	331	18	11	11	NUM
easat-1510	331	19	-	-	SYM
easat-1510	331	20	12	12	NUM
easat-1510	331	21	july	july	PROPN
easat-1510	331	22	2019	2019	NUM
easat-1510	331	23	,	,	PUNCT
easat-1510	331	24	bandung	bandung	PROPN
easat-1510	331	25	,	,	PUNCT
easat-1510	331	26	indonesia	indonesia	PROPN
easat-1510	331	27	..	..	PROPN
easat-1510	331	28	merhi	merhi	PROPN
easat-1510	331	29	,	,	PUNCT
easat-1510	331	30	m.	m.	NOUN
easat-1510	331	31	,	,	PUNCT
easat-1510	331	32	hone	hone	NOUN
easat-1510	331	33	,	,	PUNCT
easat-1510	331	34	k.	k.	PROPN
easat-1510	331	35	,	,	PUNCT
easat-1510	331	36	&	&	CCONJ
easat-1510	331	37	tarhini	tarhini	NOUN
easat-1510	331	38	,	,	PUNCT
easat-1510	331	39	a.	a.	NOUN
easat-1510	331	40	(	(	PUNCT
easat-1510	331	41	2019	2019	NUM
easat-1510	331	42	)	)	PUNCT
easat-1510	331	43	.	.	PUNCT
easat-1510	332	1	a	a	DET
easat-1510	332	2	cross	cross	ADJ
easat-1510	332	3	-	-	ADJ
easat-1510	332	4	cultural	cultural	ADJ
easat-1510	332	5	study	study	NOUN
easat-1510	332	6	of	of	ADP
easat-1510	332	7	the	the	DET
easat-1510	332	8	desire	desire	NOUN
easat-1510	332	9	to	to	PART
easat-1510	332	10	use	use	VERB
easat-1510	332	11	mobile	mobile	ADJ
easat-1510	332	12	banking	banking	NOUN
easat-1510	332	13	between	between	ADP
easat-1510	332	14	lebanese	lebanese	ADJ
easat-1510	332	15	and	and	CCONJ
easat-1510	332	16	british	british	ADJ
easat-1510	332	17	consumers	consumer	NOUN
easat-1510	332	18	:	:	PUNCT
easat-1510	332	19	extending	extend	VERB
easat-1510	332	20	utaut2	utaut2	NOUN
easat-1510	332	21	with	with	ADP
easat-1510	332	22	security	security	NOUN
easat-1510	332	23	,	,	PUNCT
easat-1510	332	24	privacy	privacy	NOUN
easat-1510	332	25	and	and	CCONJ
easat-1510	332	26	trust	trust	NOUN
easat-1510	332	27	.	.	PUNCT
easat-1510	333	1	application	application	NOUN
easat-1510	333	2	in	in	ADP
easat-1510	333	3	society	society	NOUN
easat-1510	333	4	,	,	PUNCT
easat-1510	333	5	59	59	NUM
easat-1510	333	6	,	,	PUNCT
easat-1510	333	7	101151	101151	NUM
easat-1510	333	8	.	.	PUNCT
easat-1510	334	1	mohd	mohd	PROPN
easat-1510	334	2	thas	thas	PROPN
easat-1510	334	3	thaker	thaker	PROPN
easat-1510	334	4	,	,	PUNCT
easat-1510	334	5	h.	h.	PROPN
easat-1510	334	6	,	,	PUNCT
easat-1510	334	7	khaliq	khaliq	PROPN
easat-1510	334	8	,	,	PUNCT
easat-1510	334	9	a.	a.	NOUN
easat-1510	334	10	,	,	PUNCT
easat-1510	334	11	ah	ah	INTJ
easat-1510	334	12	mand	mand	X
easat-1510	334	13	,	,	PUNCT
easat-1510	334	14	a.	a.	PROPN
easat-1510	334	15	,	,	PUNCT
easat-1510	334	16	iqbal	iqbal	PROPN
easat-1510	334	17	hussain	hussain	PROPN
easat-1510	334	18	,	,	PUNCT
easat-1510	334	19	h.	h.	PROPN
easat-1510	334	20	,	,	PUNCT
easat-1510	334	21	mohd	mohd	PROPN
easat-1510	334	22	thas	thas	PROPN
easat-1510	334	23	thaker	thaker	PROPN
easat-1510	334	24	,	,	PUNCT
easat-1510	334	25	m.a.b	m.a.b	PROPN
easat-1510	334	26	.	.	PUNCT
easat-1510	334	27	and	and	CCONJ
easat-1510	334	28	allah	allah	PROPN
easat-1510	334	29	pitchay	pitchay	PROPN
easat-1510	334	30	,	,	PUNCT
easat-1510	334	31	a.b	a.b	PROPN
easat-1510	334	32	.	.	PROPN
easat-1510	334	33	(	(	PUNCT
easat-1510	334	34	2020	2020	NUM
easat-1510	334	35	)	)	PUNCT
easat-1510	334	36	.	.	PUNCT
easat-1510	335	1	exploring	explore	VERB
easat-1510	335	2	the	the	DET
easat-1510	335	3	drivers	driver	NOUN
easat-1510	335	4	of	of	ADP
easat-1510	335	5	social	social	ADJ
easat-1510	335	6	media	medium	NOUN
easat-1510	335	7	marketing	marketing	NOUN
easat-1510	335	8	in	in	ADP
easat-1510	335	9	malaysian	malaysian	ADJ
easat-1510	335	10	islamic	islamic	ADJ
easat-1510	335	11	banks	bank	NOUN
easat-1510	335	12	:	:	PUNCT
easat-1510	335	13	an	an	DET
easat-1510	335	14	analysis	analysis	NOUN
easat-1510	335	15	via	via	ADP
easat-1510	335	16	smart	smart	ADJ
easat-1510	335	17	pls	pls	PROPN
easat-1510	335	18	approach	approach	NOUN
easat-1510	335	19	,	,	PUNCT
easat-1510	335	20	journal	journal	NOUN
easat-1510	335	21	of	of	ADP
easat-1510	335	22	islamic	islamic	PROPN
easat-1510	335	23	marketing	marketing	NOUN
easat-1510	335	24	,	,	PUNCT
easat-1510	335	25	12(1	12(1	NUM
easat-1510	335	26	)	)	PUNCT
easat-1510	335	27	,	,	PUNCT
easat-1510	335	28	145	145	NUM
easat-1510	335	29	-	-	SYM
easat-1510	335	30	165	165	NUM
easat-1510	335	31	.	.	PUNCT
easat-1510	336	1	doi	doi	NOUN
easat-1510	336	2	:	:	PUNCT
easat-1510	336	3	10.1108/	10.1108/	NUM
easat-1510	336	4	jima-05	jima-05	PROPN
easat-1510	336	5	-	-	PUNCT
easat-1510	336	6	2019	2019	NUM
easat-1510	336	7	-	-	PUNCT
easat-1510	336	8	0095	0095	NUM
easat-1510	336	9	.	.	PUNCT
easat-1510	337	1	morosan	morosan	PROPN
easat-1510	337	2	,	,	PUNCT
easat-1510	337	3	c.	c.	PROPN
easat-1510	337	4	and	and	CCONJ
easat-1510	337	5	defranco	defranco	PROPN
easat-1510	337	6	,	,	PUNCT
easat-1510	337	7	a.	a.	NOUN
easat-1510	337	8	(	(	PUNCT
easat-1510	337	9	2016	2016	NUM
easat-1510	337	10	)	)	PUNCT
easat-1510	337	11	.	.	PUNCT
easat-1510	338	1	it	it	PRON
easat-1510	338	2	’s	’	VERB
easat-1510	338	3	about	about	ADP
easat-1510	338	4	time	time	NOUN
easat-1510	338	5	:	:	PUNCT
easat-1510	338	6	revisiting	revisit	VERB
easat-1510	338	7	utaut2	utaut2	NOUN
easat-1510	338	8	to	to	PART
easat-1510	338	9	examine	examine	VERB
easat-1510	338	10	consumers	consumer	NOUN
easat-1510	338	11	’	’	PART
easat-1510	338	12	desires	desire	NOUN
easat-1510	338	13	to	to	PART
easat-1510	338	14	use	use	VERB
easat-1510	338	15	nfc	nfc	NOUN
easat-1510	338	16	mobile	mobile	ADJ
easat-1510	338	17	payments	payment	NOUN
easat-1510	338	18	in	in	ADP
easat-1510	338	19	hotels	hotel	NOUN
easat-1510	338	20	,	,	PUNCT
easat-1510	338	21	international	international	ADJ
easat-1510	338	22	journal	journal	NOUN
easat-1510	338	23	of	of	ADP
easat-1510	338	24	hospitality	hospitality	PROPN
easat-1510	338	25	management	management	NOUN
easat-1510	338	26	,	,	PUNCT
easat-1510	338	27	53	53	NUM
easat-1510	338	28	,	,	PUNCT
easat-1510	338	29	17	17	NUM
easat-1510	338	30	-	-	SYM
easat-1510	338	31	29	29	NUM
easat-1510	338	32	.	.	PUNCT
easat-1510	339	1	oliveira	oliveira	PROPN
easat-1510	339	2	,	,	PUNCT
easat-1510	339	3	t.	t.	PROPN
easat-1510	339	4	,	,	PUNCT
easat-1510	339	5	thomas	thomas	PROPN
easat-1510	339	6	,	,	PUNCT
easat-1510	339	7	m.	m.	NOUN
easat-1510	339	8	,	,	PUNCT
easat-1510	339	9	baptista	baptista	PROPN
easat-1510	339	10	,	,	PUNCT
easat-1510	339	11	g.	g.	PROPN
easat-1510	339	12	and	and	CCONJ
easat-1510	339	13	campos	campos	PROPN
easat-1510	339	14	,	,	PUNCT
easat-1510	339	15	f.	f.	PROPN
easat-1510	339	16	(	(	PUNCT
easat-1510	339	17	2016	2016	NUM
easat-1510	339	18	)	)	PUNCT
easat-1510	339	19	.	.	PUNCT
easat-1510	340	1	mobile	mobile	ADJ
easat-1510	340	2	payment	payment	NOUN
easat-1510	340	3	:	:	PUNCT
easat-1510	340	4	understanding	understand	VERB
easat-1510	340	5	the	the	DET
easat-1510	340	6	determinants	determinant	NOUN
easat-1510	340	7	of	of	ADP
easat-1510	340	8	customer	customer	NOUN
easat-1510	340	9	adoption	adoption	NOUN
easat-1510	340	10	and	and	CCONJ
easat-1510	340	11	desire	desire	NOUN
easat-1510	340	12	to	to	PART
easat-1510	340	13	recommend	recommend	VERB
easat-1510	340	14	the	the	DET
easat-1510	340	15	application	application	NOUN
easat-1510	340	16	,	,	PUNCT
easat-1510	340	17	computers	computer	NOUN
easat-1510	340	18	in	in	ADP
easat-1510	340	19	human	human	ADJ
easat-1510	340	20	action	action	NOUN
easat-1510	340	21	,	,	PUNCT
easat-1510	340	22	61	61	NUM
easat-1510	340	23	,	,	PUNCT
easat-1510	340	24	404	404	NUM
easat-1510	340	25	-	-	SYM
easat-1510	340	26	414	414	NUM
easat-1510	340	27	.	.	PUNCT
easat-1510	341	1	parasuraman	parasuraman	PROPN
easat-1510	341	2	,	,	PUNCT
easat-1510	341	3	a.	a.	PROPN
easat-1510	341	4	,	,	PUNCT
easat-1510	341	5	zeithaml	zeithaml	PROPN
easat-1510	341	6	,	,	PUNCT
easat-1510	341	7	v.a	v.a	PROPN
easat-1510	341	8	.	.	PROPN
easat-1510	341	9	and	and	CCONJ
easat-1510	341	10	malhotra	malhotra	PROPN
easat-1510	341	11	,	,	PUNCT
easat-1510	341	12	a.	a.	NOUN
easat-1510	341	13	(	(	PUNCT
easat-1510	341	14	2005	2005	NUM
easat-1510	341	15	)	)	PUNCT
easat-1510	341	16	.	.	PUNCT
easat-1510	342	1	es	es	VERB
easat-1510	342	2	-	-	PUNCT
easat-1510	342	3	qual	qual	NOUN
easat-1510	342	4	a	a	DET
easat-1510	342	5	multiple	multiple	ADJ
easat-1510	342	6	-	-	PUNCT
easat-1510	342	7	item	item	NOUN
easat-1510	342	8	scale	scale	NOUN
easat-1510	342	9	for	for	ADP
easat-1510	342	10	assessing	assess	VERB
easat-1510	342	11	electronic	electronic	ADJ
easat-1510	342	12	service	service	NOUN
easat-1510	342	13	quality	quality	NOUN
easat-1510	342	14	,	,	PUNCT
easat-1510	342	15	journal	journal	NOUN
easat-1510	342	16	of	of	ADP
easat-1510	342	17	service	service	NOUN
easat-1510	342	18	research	research	NOUN
easat-1510	342	19	,	,	PUNCT
easat-1510	342	20	7	7	NUM
easat-1510	342	21	(	(	PUNCT
easat-1510	342	22	3	3	NUM
easat-1510	342	23	)	)	PUNCT
easat-1510	342	24	,	,	PUNCT
easat-1510	342	25	213	213	NUM
easat-1510	342	26	-	-	SYM
easat-1510	342	27	233	233	NUM
easat-1510	342	28	.	.	PUNCT
easat-1510	342	29	pesendorfer	pesendorfer	NOUN
easat-1510	342	30	,	,	PUNCT
easat-1510	342	31	j.	j.	PROPN
easat-1510	342	32	,	,	PUNCT
easat-1510	342	33	&	&	CCONJ
easat-1510	342	34	lehner	lehner	PROPN
easat-1510	342	35	,	,	PUNCT
easat-1510	342	36	o.	o.	NOUN
easat-1510	342	37	m.	m.	NOUN
easat-1510	342	38	(	(	PUNCT
easat-1510	342	39	2016	2016	NUM
easat-1510	342	40	)	)	PUNCT
easat-1510	342	41	.	.	PUNCT
easat-1510	343	1	islamic	islamic	ADJ
easat-1510	343	2	banking	banking	NOUN
easat-1510	343	3	and	and	CCONJ
easat-1510	343	4	finance	finance	NOUN
easat-1510	343	5	as	as	ADP
easat-1510	343	6	an	an	DET
easat-1510	343	7	ethical	ethical	ADJ
easat-1510	343	8	alternative	alternative	NOUN
easat-1510	343	9	:	:	PUNCT
easat-1510	343	10	a	a	DET
easat-1510	343	11	systematic	systematic	ADJ
easat-1510	343	12	literature	literature	PROPN
easat-1510	343	13	review	review	PROPN
easat-1510	343	14	.	.	PUNCT
easat-1510	344	1	acrn	acrn	PROPN
easat-1510	344	2	oxford	oxford	PROPN
easat-1510	344	3	journal	journal	PROPN
easat-1510	344	4	of	of	ADP
easat-1510	344	5	finance	finance	NOUN
easat-1510	344	6	and	and	CCONJ
easat-1510	344	7	risk	risk	NOUN
easat-1510	344	8	perspectives	perspective	NOUN
easat-1510	344	9	,	,	PUNCT
easat-1510	344	10	5(2016	5(2016	NUM
easat-1510	344	11	)	)	PUNCT
easat-1510	344	12	,	,	PUNCT
easat-1510	344	13	42	42	NUM
easat-1510	344	14	-	-	SYM
easat-1510	344	15	64	64	NUM
easat-1510	344	16	.	.	PUNCT
easat-1510	345	1	rafay	rafay	PROPN
easat-1510	345	2	,	,	PUNCT
easat-1510	345	3	a.	a.	PROPN
easat-1510	345	4	,	,	PUNCT
easat-1510	345	5	&	&	CCONJ
easat-1510	345	6	sadiq	sadiq	PROPN
easat-1510	345	7	,	,	PUNCT
easat-1510	345	8	r.	r.	PROPN
easat-1510	345	9	(	(	PUNCT
easat-1510	345	10	2015	2015	NUM
easat-1510	345	11	)	)	PUNCT
easat-1510	345	12	,	,	PUNCT
easat-1510	345	13	hoehle	hoehle	NOUN
easat-1510	345	14	,	,	PUNCT
easat-1510	345	15	h.	h.	PROPN
easat-1510	345	16	,	,	PUNCT
easat-1510	345	17	scornavacca	scornavacca	PROPN
easat-1510	345	18	,	,	PUNCT
easat-1510	345	19	e.	e.	PROPN
easat-1510	345	20	,	,	PUNCT
easat-1510	345	21	&	&	CCONJ
easat-1510	345	22	huff	huff	PROPN
easat-1510	345	23	,	,	PUNCT
easat-1510	345	24	s.	s.	PROPN
easat-1510	345	25	(	(	PUNCT
easat-1510	345	26	2012	2012	NUM
easat-1510	345	27	)	)	PUNCT
easat-1510	345	28	,	,	PUNCT
easat-1510	345	29	pesendorfer	pesendorfer	NOUN
easat-1510	345	30	,	,	PUNCT
easat-1510	345	31	j.	j.	PROPN
easat-1510	345	32	,	,	PUNCT
easat-1510	345	33	&	&	CCONJ
easat-1510	345	34	lehner	lehner	PROPN
easat-1510	345	35	,	,	PUNCT
easat-1510	345	36	o.	o.	NOUN
easat-1510	345	37	m.	m.	NOUN
easat-1510	345	38	(	(	PUNCT
easat-1510	345	39	2016	2016	NUM
easat-1510	345	40	)	)	PUNCT
easat-1510	345	41	,	,	PUNCT
easat-1510	345	42	and	and	CCONJ
easat-1510	345	43	de	de	X
easat-1510	345	44	haan	haan	PROPN
easat-1510	345	45	,	,	PUNCT
easat-1510	345	46	j.	j.	PROPN
easat-1510	345	47	,	,	PUNCT
easat-1510	345	48	&	&	CCONJ
easat-1510	345	49	vlahu	vlahu	PROPN
easat-1510	345	50	,	,	PUNCT
easat-1510	345	51	r.	r.	PROPN
easat-1510	345	52	(	(	PUNCT
easat-1510	345	53	2016	2016	NUM
easat-1510	345	54	)	)	PUNCT
easat-1510	345	55	.	.	PUNCT
easat-1510	346	1	rafay	rafay	PROPN
easat-1510	346	2	,	,	PUNCT
easat-1510	346	3	a.	a.	PROPN
easat-1510	346	4	,	,	PUNCT
easat-1510	346	5	&	&	CCONJ
easat-1510	346	6	sadiq	sadiq	PROPN
easat-1510	346	7	,	,	PUNCT
easat-1510	346	8	r.	r.	PROPN
easat-1510	346	9	(	(	PUNCT
easat-1510	346	10	2015	2015	NUM
easat-1510	346	11	)	)	PUNCT
easat-1510	346	12	.	.	PUNCT
easat-1510	347	1	problems	problem	NOUN
easat-1510	347	2	and	and	CCONJ
easat-1510	347	3	issues	issue	NOUN
easat-1510	347	4	in	in	ADP
easat-1510	347	5	transformation	transformation	NOUN
easat-1510	347	6	from	from	ADP
easat-1510	347	7	conventional	conventional	ADJ
easat-1510	347	8	banking	banking	NOUN
easat-1510	347	9	to	to	ADP
easat-1510	347	10	islamic	islamic	ADJ
easat-1510	347	11	banking	banking	NOUN
easat-1510	347	12	:	:	PUNCT
easat-1510	347	13	literature	literature	NOUN
easat-1510	347	14	review	review	NOUN
easat-1510	347	15	for	for	ADP
easat-1510	347	16	the	the	DET
easat-1510	347	17	need	need	NOUN
easat-1510	347	18	of	of	ADP
easat-1510	347	19	a	a	DET
easat-1510	347	20	comprehensive	comprehensive	ADJ
easat-1510	347	21	framework	framework	NOUN
easat-1510	347	22	for	for	ADP
easat-1510	347	23	a	a	DET
easat-1510	347	24	smooth	smooth	ADJ
easat-1510	347	25	change	change	NOUN
easat-1510	347	26	.	.	PUNCT
easat-1510	348	1	city	city	PROPN
easat-1510	348	2	university	university	PROPN
easat-1510	348	3	research	research	NOUN
easat-1510	348	4	journal	journal	NOUN
easat-1510	348	5	,	,	PUNCT
easat-1510	348	6	5(2	5(2	NUM
easat-1510	348	7	)	)	PUNCT
easat-1510	348	8	,	,	PUNCT
easat-1510	348	9	315326	315326	NUM
easat-1510	348	10	.	.	PUNCT
easat-1510	349	1	rahi	rahi	PROPN
easat-1510	349	2	,	,	PUNCT
easat-1510	349	3	s.	s.	PROPN
easat-1510	349	4	(	(	PUNCT
easat-1510	349	5	2016a	2016a	NUM
easat-1510	349	6	)	)	PUNCT
easat-1510	349	7	.	.	PUNCT
easat-1510	350	1	impact	impact	NOUN
easat-1510	350	2	of	of	ADP
easat-1510	350	3	customer	customer	NOUN
easat-1510	350	4	perceived	perceive	VERB
easat-1510	350	5	score	score	NOUN
easat-1510	350	6	and	and	CCONJ
easat-1510	350	7	customer	customer	NOUN
easat-1510	350	8	’s	’s	PART
easat-1510	350	9	perception	perception	NOUN
easat-1510	350	10	of	of	ADP
easat-1510	350	11	public	public	ADJ
easat-1510	350	12	relation	relation	NOUN
easat-1510	350	13	on	on	ADP
easat-1510	350	14	customer	customer	NOUN
easat-1510	350	15	loyalty	loyalty	NOUN
easat-1510	350	16	with	with	ADP
easat-1510	350	17	moderating	moderate	VERB
easat-1510	350	18	role	role	NOUN
easat-1510	350	19	of	of	ADP
easat-1510	350	20	brand	brand	NOUN
easat-1510	350	21	image	image	NOUN
easat-1510	350	22	,	,	PUNCT
easat-1510	350	23	journal	journal	NOUN
easat-1510	350	24	of	of	ADP
easat-1510	350	25	internet	internet	NOUN
easat-1510	350	26	banking	banking	NOUN
easat-1510	350	27	and	and	CCONJ
easat-1510	350	28	commerce	commerce	PROPN
easat-1510	350	29	,	,	PUNCT
easat-1510	350	30	21	21	NUM
easat-1510	350	31	(	(	PUNCT
easat-1510	350	32	2),1	2),1	PROPN
easat-1510	350	33	rahi	rahi	NOUN
easat-1510	350	34	,	,	PUNCT
easat-1510	350	35	s.	s.	PROPN
easat-1510	350	36	(	(	PUNCT
easat-1510	350	37	2016b	2016b	NUM
easat-1510	350	38	)	)	PUNCT
easat-1510	350	39	.	.	PUNCT
easat-1510	351	1	impact	impact	NOUN
easat-1510	351	2	of	of	ADP
easat-1510	351	3	customer	customer	NOUN
easat-1510	351	4	score	score	NOUN
easat-1510	351	5	,	,	PUNCT
easat-1510	351	6	public	public	ADJ
easat-1510	351	7	relations	relation	NOUN
easat-1510	351	8	perception	perception	NOUN
easat-1510	351	9	and	and	CCONJ
easat-1510	351	10	brand	brand	NOUN
easat-1510	351	11	image	image	NOUN
easat-1510	351	12	on	on	ADP
easat-1510	351	13	customer	customer	NOUN
easat-1510	351	14	loyalty	loyalty	NOUN
easat-1510	351	15	in	in	ADP
easat-1510	351	16	services	service	NOUN
easat-1510	351	17	sector	sector	NOUN
easat-1510	351	18	of	of	ADP
easat-1510	351	19	pakistan	pakistan	PROPN
easat-1510	351	20	,	,	PUNCT
easat-1510	351	21	arabian	arabian	ADJ
easat-1510	351	22	journal	journal	NOUN
easat-1510	351	23	of	of	ADP
easat-1510	351	24	business	business	NOUN
easat-1510	351	25	and	and	CCONJ
easat-1510	351	26	management	management	NOUN
easat-1510	351	27	review	review	NOUN
easat-1510	351	28	,	,	PUNCT
easat-1510	351	29	2	2	NUM
easat-1510	351	30	(	(	PUNCT
easat-1510	351	31	2	2	NUM
easat-1510	351	32	)	)	PUNCT
easat-1510	351	33	.	.	PUNCT
easat-1510	352	1	rahi	rahi	PROPN
easat-1510	352	2	,	,	PUNCT
easat-1510	352	3	s.	s.	PROPN
easat-1510	352	4	(	(	PUNCT
easat-1510	352	5	2017a	2017a	NUM
easat-1510	352	6	)	)	PUNCT
easat-1510	352	7	.	.	PUNCT
easat-1510	353	1	research	research	NOUN
easat-1510	353	2	design	design	NOUN
easat-1510	353	3	and	and	CCONJ
easat-1510	353	4	methods	method	NOUN
easat-1510	353	5	:	:	PUNCT
easat-1510	353	6	a	a	DET
easat-1510	353	7	systematic	systematic	ADJ
easat-1510	353	8	review	review	NOUN
easat-1510	353	9	of	of	ADP
easat-1510	353	10	research	research	NOUN
easat-1510	353	11	paradigms	paradigm	NOUN
easat-1510	353	12	,	,	PUNCT
easat-1510	353	13	sampling	sample	VERB
easat-1510	353	14	issues	issue	NOUN
easat-1510	353	15	and	and	CCONJ
easat-1510	353	16	instruments	instrument	NOUN
easat-1510	353	17	enhancement	enhancement	NOUN
easat-1510	353	18	,	,	PUNCT
easat-1510	353	19	international	international	ADJ
easat-1510	353	20	journal	journal	NOUN
easat-1510	353	21	of	of	ADP
easat-1510	353	22	economics	economics	PROPN
easat-1510	353	23	&	&	CCONJ
easat-1510	353	24	management	management	PROPN
easat-1510	353	25	sciences	sciences	PROPN
easat-1510	353	26	,	,	PUNCT
easat-1510	353	27	6	6	NUM
easat-1510	353	28	(	(	PUNCT
easat-1510	353	29	2	2	NUM
easat-1510	353	30	)	)	PUNCT
easat-1510	353	31	,	,	PUNCT
easat-1510	353	32	1	1	NUM
easat-1510	353	33	-	-	SYM
easat-1510	353	34	5	5	NUM
easat-1510	353	35	.	.	PUNCT
easat-1510	353	36	rahi	rahi	PROPN
easat-1510	353	37	,	,	PUNCT
easat-1510	353	38	s.	s.	PROPN
easat-1510	353	39	(	(	PUNCT
easat-1510	353	40	2017b	2017b	NUM
easat-1510	353	41	)	)	PUNCT
easat-1510	353	42	.	.	PUNCT
easat-1510	354	1	structural	structural	ADJ
easat-1510	354	2	equation	equation	NOUN
easat-1510	354	3	modeling	modeling	NOUN
easat-1510	354	4	using	use	VERB
easat-1510	354	5	smartpls	smartpls	NOUN
easat-1510	354	6	,	,	PUNCT
easat-1510	354	7	createspace	createspace	NOUN
easat-1510	354	8	independent	independent	ADJ
easat-1510	354	9	publishing	publishing	NOUN
easat-1510	354	10	platform	platform	NOUN
easat-1510	354	11	.	.	PUNCT
easat-1510	355	1	rahi	rahi	PROPN
easat-1510	355	2	,	,	PUNCT
easat-1510	355	3	s.	s.	PROPN
easat-1510	355	4	(	(	PUNCT
easat-1510	355	5	2018a	2018a	NUM
easat-1510	355	6	)	)	PUNCT
easat-1510	355	7	.	.	PUNCT
easat-1510	356	1	research	research	NOUN
easat-1510	356	2	design	design	NOUN
easat-1510	356	3	and	and	CCONJ
easat-1510	356	4	methods	method	NOUN
easat-1510	356	5	.	.	PUNCT
easat-1510	357	1	createspace	createspace	NOUN
easat-1510	357	2	independent	independent	ADJ
easat-1510	357	3	publishing	publishing	NOUN
easat-1510	357	4	platform	platform	NOUN
easat-1510	357	5	.	.	PUNCT
easat-1510	358	1	rahi	rahi	PROPN
easat-1510	358	2	,	,	PUNCT
easat-1510	358	3	s.	s.	PROPN
easat-1510	358	4	(	(	PUNCT
easat-1510	358	5	2018b	2018b	NUM
easat-1510	358	6	)	)	PUNCT
easat-1510	358	7	.	.	PUNCT
easat-1510	359	1	application	application	NOUN
easat-1510	359	2	adoption	adoption	NOUN
easat-1510	359	3	issues	issue	NOUN
easat-1510	359	4	in	in	ADP
easat-1510	359	5	banks	bank	NOUN
easat-1510	359	6	.	.	PUNCT
easat-1510	360	1	createspace	createspace	NOUN
easat-1510	360	2	independent	independent	ADJ
easat-1510	360	3	publishing	publishing	NOUN
easat-1510	360	4	platform	platform	NOUN
easat-1510	360	5	.	.	PUNCT
easat-1510	361	1	rahi	rahi	PROPN
easat-1510	361	2	,	,	PUNCT
easat-1510	361	3	s.	s.	PROPN
easat-1510	361	4	and	and	CCONJ
easat-1510	361	5	ghani	ghani	PROPN
easat-1510	361	6	,	,	PUNCT
easat-1510	361	7	m.	m.	NOUN
easat-1510	361	8	(	(	PUNCT
easat-1510	361	9	2016a	2016a	NUM
easat-1510	361	10	)	)	PUNCT
easat-1510	361	11	.	.	PUNCT
easat-1510	362	1	internet	internet	NOUN
easat-1510	362	2	banking	banking	NOUN
easat-1510	362	3	,	,	PUNCT
easat-1510	362	4	customer	customer	NOUN
easat-1510	362	5	perceived	perceive	VERB
easat-1510	362	6	score	score	NOUN
easat-1510	362	7	and	and	CCONJ
easat-1510	362	8	loyalty	loyalty	NOUN
easat-1510	362	9	:	:	PUNCT
easat-1510	362	10	the	the	DET
easat-1510	362	11	role	role	NOUN
easat-1510	362	12	of	of	ADP
easat-1510	362	13	switching	switch	VERB
easat-1510	362	14	costs	cost	NOUN
easat-1510	362	15	,	,	PUNCT
easat-1510	362	16	journal	journal	NOUN
easat-1510	362	17	of	of	ADP
easat-1510	362	18	accounting	accounting	NOUN
easat-1510	362	19	and	and	CCONJ
easat-1510	362	20	marketing	marketing	NOUN
easat-1510	362	21	,	,	PUNCT
easat-1510	362	22	5	5	NUM
easat-1510	362	23	(	(	PUNCT
easat-1510	362	24	4	4	NUM
easat-1510	362	25	)	)	PUNCT
easat-1510	362	26	,	,	PUNCT
easat-1510	362	27	1	1	NUM
easat-1510	362	28	-	-	SYM
easat-1510	362	29	7	7	NUM
easat-1510	362	30	.	.	PUNCT
easat-1510	362	31	rahi	rahi	PROPN
easat-1510	362	32	,	,	PUNCT
easat-1510	362	33	s.	s.	PROPN
easat-1510	362	34	and	and	CCONJ
easat-1510	362	35	ghani	ghani	PROPN
easat-1510	362	36	,	,	PUNCT
easat-1510	362	37	m.a	m.a	PROPN
easat-1510	362	38	.	.	PROPN
easat-1510	362	39	(	(	PUNCT
easat-1510	362	40	2016b	2016b	NUM
easat-1510	362	41	)	)	PUNCT
easat-1510	362	42	.	.	PUNCT
easat-1510	363	1	customer	customer	NOUN
easat-1510	363	2	’s	’s	PART
easat-1510	363	3	perception	perception	NOUN
easat-1510	363	4	of	of	ADP
easat-1510	363	5	public	public	ADJ
easat-1510	363	6	relation	relation	NOUN
easat-1510	363	7	in	in	ADP
easat-1510	363	8	e	e	NOUN
easat-1510	363	9	-	-	NOUN
easat-1510	363	10	commerce	commerce	NOUN
easat-1510	363	11	and	and	CCONJ
easat-1510	363	12	its	its	PRON
easat-1510	363	13	impact	impact	NOUN
easat-1510	363	14	on	on	ADP
easat-1510	363	15	e	e	NOUN
easat-1510	363	16	-	-	NOUN
easat-1510	363	17	loyalty	loyalty	NOUN
easat-1510	363	18	with	with	ADP
easat-1510	363	19	brand	brand	NOUN
easat-1510	363	20	image	image	NOUN
easat-1510	363	21	and	and	CCONJ
easat-1510	363	22	switching	switch	VERB
easat-1510	363	23	cost	cost	NOUN
easat-1510	363	24	,	,	PUNCT
easat-1510	363	25	journal	journal	NOUN
easat-1510	363	26	of	of	ADP
easat-1510	363	27	internet	internet	NOUN
easat-1510	363	28	banking	banking	NOUN
easat-1510	363	29	and	and	CCONJ
easat-1510	363	30	commerce	commerce	PROPN
easat-1510	363	31	,	,	PUNCT
easat-1510	363	32	21	21	NUM
easat-1510	363	33	(	(	PUNCT
easat-1510	363	34	3	3	NUM
easat-1510	363	35	)	)	PUNCT
easat-1510	363	36	.	.	PUNCT
easat-1510	364	1	1346	1346	NUM
easat-1510	364	2	edelweiss	edelweiss	PROPN
easat-1510	364	3	applied	apply	VERB
easat-1510	364	4	science	science	NOUN
easat-1510	364	5	and	and	CCONJ
easat-1510	364	6	technology	technology	NOUN
easat-1510	364	7	issn	issn	PROPN
easat-1510	364	8	:	:	PUNCT
easat-1510	364	9	2576	2576	NUM
easat-1510	364	10	-	-	SYM
easat-1510	364	11	8484	8484	NUM
easat-1510	364	12	vol	vol	NOUN
easat-1510	364	13	.	.	PROPN
easat-1510	364	14	8	8	NUM
easat-1510	364	15	,	,	PUNCT
easat-1510	364	16	no	no	INTJ
easat-1510	364	17	.	.	NOUN
easat-1510	364	18	4	4	NUM
easat-1510	364	19	:	:	SYM
easat-1510	364	20	1333	1333	NUM
easat-1510	364	21	-	-	SYM
easat-1510	364	22	1346	1346	NUM
easat-1510	364	23	,	,	PUNCT
easat-1510	364	24	2024	2024	NUM
easat-1510	364	25	doi	doi	NOUN
easat-1510	364	26	:	:	PUNCT
easat-1510	364	27	10.55214/25768484.v8i4.1510	10.55214/25768484.v8i4.1510	NUM
easat-1510	364	28	©	©	ADP
easat-1510	364	29	2024	2024	NUM
easat-1510	364	30	by	by	ADP
easat-1510	364	31	the	the	DET
easat-1510	364	32	authors	author	NOUN
easat-1510	364	33	;	;	PUNCT
easat-1510	364	34	licensee	licensee	PROPN
easat-1510	364	35	learning	learn	VERB
easat-1510	364	36	gate	gate	PROPN
easat-1510	364	37	rahi	rahi	PROPN
easat-1510	364	38	,	,	PUNCT
easat-1510	364	39	s.	s.	PROPN
easat-1510	364	40	and	and	CCONJ
easat-1510	364	41	ghani	ghani	PROPN
easat-1510	364	42	,	,	PUNCT
easat-1510	364	43	m.a	m.a	PROPN
easat-1510	364	44	.	.	PROPN
easat-1510	364	45	(	(	PUNCT
easat-1510	364	46	2018a	2018a	NUM
easat-1510	364	47	)	)	PUNCT
easat-1510	364	48	.	.	PUNCT
easat-1510	365	1	investigating	investigate	VERB
easat-1510	365	2	the	the	DET
easat-1510	365	3	role	role	NOUN
easat-1510	365	4	of	of	ADP
easat-1510	365	5	e	e	NOUN
easat-1510	365	6	-	-	NOUN
easat-1510	365	7	service	service	ADJ
easat-1510	365	8	quality	quality	NOUN
easat-1510	365	9	and	and	CCONJ
easat-1510	365	10	brand	brand	NOUN
easat-1510	365	11	image	image	NOUN
easat-1510	365	12	in	in	ADP
easat-1510	365	13	internet	internet	NOUN
easat-1510	365	14	banking	banking	NOUN
easat-1510	365	15	acceptance	acceptance	NOUN
easat-1510	365	16	context	context	NOUN
easat-1510	365	17	with	with	ADP
easat-1510	365	18	structural	structural	ADJ
easat-1510	365	19	equation	equation	NOUN
easat-1510	365	20	modeling	modeling	NOUN
easat-1510	365	21	(	(	PUNCT
easat-1510	365	22	sem	sem	NOUN
easat-1510	365	23	-	-	PUNCT
easat-1510	365	24	pls	pls	NOUN
easat-1510	365	25	)	)	PUNCT
easat-1510	365	26	,	,	PUNCT
easat-1510	365	27	paper	paper	NOUN
easat-1510	365	28	presented	present	VERB
easat-1510	365	29	at	at	ADP
easat-1510	365	30	the	the	DET
easat-1510	365	31	economic	economic	ADJ
easat-1510	365	32	and	and	CCONJ
easat-1510	365	33	social	social	ADJ
easat-1510	365	34	enhancement	enhancement	NOUN
easat-1510	365	35	(	(	PUNCT
easat-1510	365	36	book	book	NOUN
easat-1510	365	37	of	of	ADP
easat-1510	365	38	proceedings	proceeding	NOUN
easat-1510	365	39	)	)	PUNCT
easat-1510	365	40	,	,	PUNCT
easat-1510	365	41	30th	30th	ADJ
easat-1510	365	42	international	international	ADJ
easat-1510	365	43	scientific	scientific	ADJ
easat-1510	365	44	conference	conference	NOUN
easat-1510	365	45	on	on	ADP
easat-1510	365	46	economic	economic	ADJ
easat-1510	365	47	and	and	CCONJ
easat-1510	365	48	social	social	ADJ
easat-1510	365	49	.	.	PUNCT
easat-1510	366	1	rahi	rahi	PROPN
easat-1510	366	2	,	,	PUNCT
easat-1510	366	3	s.	s.	PROPN
easat-1510	366	4	and	and	CCONJ
easat-1510	366	5	ghani	ghani	PROPN
easat-1510	366	6	,	,	PUNCT
easat-1510	366	7	m.a	m.a	PROPN
easat-1510	366	8	.	.	PROPN
easat-1510	366	9	(	(	PUNCT
easat-1510	366	10	2018b	2018b	NUM
easat-1510	366	11	)	)	PUNCT
easat-1510	366	12	.	.	PUNCT
easat-1510	367	1	a	a	DET
easat-1510	367	2	structural	structural	ADJ
easat-1510	367	3	equation	equation	NOUN
easat-1510	367	4	modeling	modeling	NOUN
easat-1510	367	5	(	(	PUNCT
easat-1510	367	6	sem	sem	PROPN
easat-1510	367	7	-	-	PUNCT
easat-1510	367	8	amos	amos	PROPN
easat-1510	367	9	)	)	PUNCT
easat-1510	367	10	for	for	ADP
easat-1510	367	11	investigating	investigate	VERB
easat-1510	367	12	brand	brand	NOUN
easat-1510	367	13	loyalty	loyalty	NOUN
easat-1510	367	14	and	and	CCONJ
easat-1510	367	15	customer	customer	NOUN
easat-1510	367	16	’s	’s	PART
easat-1510	367	17	desire	desire	NOUN
easat-1510	367	18	towards	towards	ADP
easat-1510	367	19	adoption	adoption	NOUN
easat-1510	367	20	of	of	ADP
easat-1510	367	21	internet	internet	NOUN
easat-1510	367	22	banking	banking	NOUN
easat-1510	367	23	,	,	PUNCT
easat-1510	367	24	paper	paper	NOUN
easat-1510	367	25	presented	present	VERB
easat-1510	367	26	at	at	ADP
easat-1510	367	27	the	the	DET
easat-1510	367	28	economic	economic	ADJ
easat-1510	367	29	and	and	CCONJ
easat-1510	367	30	social	social	ADJ
easat-1510	367	31	enhancement	enhancement	NOUN
easat-1510	367	32	(	(	PUNCT
easat-1510	367	33	book	book	NOUN
easat-1510	367	34	of	of	ADP
easat-1510	367	35	proceedings	proceeding	NOUN
easat-1510	367	36	)	)	PUNCT
easat-1510	367	37	,	,	PUNCT
easat-1510	367	38	29th	29th	ADJ
easat-1510	367	39	international	international	ADJ
easat-1510	367	40	scientific	scientific	ADJ
easat-1510	367	41	conference	conference	NOUN
easat-1510	367	42	on	on	ADP
easat-1510	367	43	economic	economic	ADJ
easat-1510	367	44	and	and	CCONJ
easat-1510	367	45	social	social	ADJ
easat-1510	367	46	.	.	PUNCT
easat-1510	368	1	rahi	rahi	PROPN
easat-1510	368	2	,	,	PUNCT
easat-1510	368	3	s.	s.	PROPN
easat-1510	368	4	,	,	PUNCT
easat-1510	368	5	ghani	ghani	PROPN
easat-1510	368	6	,	,	PUNCT
easat-1510	368	7	m.	m.	NOUN
easat-1510	368	8	and	and	CCONJ
easat-1510	368	9	muhamad	muhamad	PROPN
easat-1510	368	10	,	,	PUNCT
easat-1510	368	11	f.	f.	PROPN
easat-1510	368	12	(	(	PUNCT
easat-1510	368	13	2017	2017	NUM
easat-1510	368	14	)	)	PUNCT
easat-1510	368	15	.	.	PUNCT
easat-1510	369	1	inspecting	inspect	VERB
easat-1510	369	2	the	the	DET
easat-1510	369	3	role	role	NOUN
easat-1510	369	4	of	of	ADP
easat-1510	369	5	desire	desire	NOUN
easat-1510	369	6	to	to	PART
easat-1510	369	7	trust	trust	VERB
easat-1510	369	8	and	and	CCONJ
easat-1510	369	9	online	online	ADJ
easat-1510	369	10	purchase	purchase	NOUN
easat-1510	369	11	in	in	ADP
easat-1510	369	12	developing	develop	VERB
easat-1510	369	13	countries	country	NOUN
easat-1510	369	14	,	,	PUNCT
easat-1510	369	15	journal	journal	NOUN
easat-1510	369	16	of	of	ADP
easat-1510	369	17	socialomics	socialomic	NOUN
easat-1510	369	18	,	,	PUNCT
easat-1510	369	19	6	6	NUM
easat-1510	369	20	(	(	PUNCT
easat-1510	369	21	1	1	NUM
easat-1510	369	22	)	)	PUNCT
easat-1510	369	23	,	,	PUNCT
easat-1510	369	24	doi	doi	NOUN
easat-1510	369	25	:	:	PUNCT
easat-1510	369	26	10.4172/21670358.1000191	10.4172/21670358.1000191	NUM
easat-1510	369	27	.	.	PUNCT
easat-1510	370	1	rahi	rahi	PROPN
easat-1510	370	2	,	,	PUNCT
easat-1510	370	3	s.	s.	PROPN
easat-1510	370	4	,	,	PUNCT
easat-1510	370	5	ghani	ghani	PROPN
easat-1510	370	6	,	,	PUNCT
easat-1510	370	7	m.	m.	NOUN
easat-1510	370	8	and	and	CCONJ
easat-1510	370	9	ngah	ngah	PROPN
easat-1510	370	10	,	,	PUNCT
easat-1510	370	11	a.	a.	NOUN
easat-1510	370	12	(	(	PUNCT
easat-1510	370	13	2018	2018	NUM
easat-1510	370	14	)	)	PUNCT
easat-1510	370	15	.	.	PUNCT
easat-1510	371	1	a	a	DET
easat-1510	371	2	structural	structural	ADJ
easat-1510	371	3	equation	equation	NOUN
easat-1510	371	4	model	model	NOUN
easat-1510	371	5	for	for	ADP
easat-1510	371	6	evaluating	evaluate	VERB
easat-1510	371	7	user	user	NOUN
easat-1510	371	8	’s	’s	PART
easat-1510	371	9	desire	desire	NOUN
easat-1510	371	10	to	to	PART
easat-1510	371	11	adopt	adopt	VERB
easat-1510	371	12	internet	internet	NOUN
easat-1510	371	13	banking	banking	NOUN
easat-1510	371	14	and	and	CCONJ
easat-1510	371	15	desire	desire	NOUN
easat-1510	371	16	to	to	PART
easat-1510	371	17	recommend	recommend	VERB
easat-1510	371	18	application	application	NOUN
easat-1510	371	19	,	,	PUNCT
easat-1510	371	20	accounting	accounting	NOUN
easat-1510	371	21	,	,	PUNCT
easat-1510	371	22	4	4	NUM
easat-1510	371	23	(	(	PUNCT
easat-1510	371	24	4	4	NUM
easat-1510	371	25	)	)	PUNCT
easat-1510	371	26	,	,	PUNCT
easat-1510	371	27	139	139	NUM
easat-1510	371	28	-	-	SYM
easat-1510	371	29	152	152	NUM
easat-1510	371	30	.	.	PUNCT
easat-1510	372	1	rahi	rahi	PROPN
easat-1510	372	2	,	,	PUNCT
easat-1510	372	3	s.	s.	PROPN
easat-1510	372	4	,	,	PUNCT
easat-1510	372	5	ghani	ghani	PROPN
easat-1510	372	6	,	,	PUNCT
easat-1510	372	7	m.	m.	NOUN
easat-1510	372	8	,	,	PUNCT
easat-1510	372	9	alnaser	alnaser	PROPN
easat-1510	372	10	,	,	PUNCT
easat-1510	372	11	f.	f.	PROPN
easat-1510	372	12	and	and	CCONJ
easat-1510	372	13	ngah	ngah	PROPN
easat-1510	372	14	,	,	PUNCT
easat-1510	372	15	a.	a.	NOUN
easat-1510	372	16	(	(	PUNCT
easat-1510	372	17	2018	2018	NUM
easat-1510	372	18	)	)	PUNCT
easat-1510	372	19	.	.	PUNCT
easat-1510	373	1	investigating	investigate	VERB
easat-1510	373	2	the	the	DET
easat-1510	373	3	role	role	NOUN
easat-1510	373	4	of	of	ADP
easat-1510	373	5	unified	unified	ADJ
easat-1510	373	6	theory	theory	NOUN
easat-1510	373	7	of	of	ADP
easat-1510	373	8	acceptance	acceptance	NOUN
easat-1510	373	9	and	and	CCONJ
easat-1510	373	10	use	use	NOUN
easat-1510	373	11	of	of	ADP
easat-1510	373	12	application	application	NOUN
easat-1510	373	13	(	(	PUNCT
easat-1510	373	14	utaut	utaut	NOUN
easat-1510	373	15	)	)	PUNCT
easat-1510	373	16	in	in	ADP
easat-1510	373	17	internet	internet	NOUN
easat-1510	373	18	banking	banking	NOUN
easat-1510	373	19	adoption	adoption	NOUN
easat-1510	373	20	context	context	NOUN
easat-1510	373	21	,	,	PUNCT
easat-1510	373	22	management	management	NOUN
easat-1510	373	23	science	science	NOUN
easat-1510	373	24	letters	letter	NOUN
easat-1510	373	25	,	,	PUNCT
easat-1510	373	26	8	8	NUM
easat-1510	373	27	(	(	PUNCT
easat-1510	373	28	3	3	NUM
easat-1510	373	29	)	)	PUNCT
easat-1510	373	30	,	,	PUNCT
easat-1510	373	31	173	173	NUM
easat-1510	373	32	-	-	SYM
easat-1510	373	33	186	186	NUM
easat-1510	373	34	.	.	PUNCT
easat-1510	374	1	rahi	rahi	PROPN
easat-1510	374	2	,	,	PUNCT
easat-1510	374	3	s.	s.	PROPN
easat-1510	374	4	,	,	PUNCT
easat-1510	374	5	ghani	ghani	PROPN
easat-1510	374	6	,	,	PUNCT
easat-1510	374	7	m.a	m.a	PROPN
easat-1510	374	8	.	.	PROPN
easat-1510	374	9	and	and	CCONJ
easat-1510	374	10	alnaser	alnaser	PROPN
easat-1510	374	11	,	,	PUNCT
easat-1510	374	12	f.m	f.m	PROPN
easat-1510	374	13	.	.	PROPN
easat-1510	374	14	(	(	PUNCT
easat-1510	374	15	2017	2017	NUM
easat-1510	374	16	)	)	PUNCT
easat-1510	374	17	.	.	PUNCT
easat-1510	375	1	the	the	DET
easat-1510	375	2	influence	influence	NOUN
easat-1510	375	3	of	of	ADP
easat-1510	375	4	e	e	NOUN
easat-1510	375	5	-	-	NOUN
easat-1510	375	6	customer	customer	NOUN
easat-1510	375	7	services	service	NOUN
easat-1510	375	8	and	and	CCONJ
easat-1510	375	9	perceived	perceive	VERB
easat-1510	375	10	score	score	NOUN
easat-1510	375	11	on	on	ADP
easat-1510	375	12	brand	brand	NOUN
easat-1510	375	13	loyalty	loyalty	NOUN
easat-1510	375	14	of	of	ADP
easat-1510	375	15	banks	bank	NOUN
easat-1510	375	16	and	and	CCONJ
easat-1510	375	17	internet	internet	NOUN
easat-1510	375	18	banking	banking	NOUN
easat-1510	375	19	adoption	adoption	NOUN
easat-1510	375	20	:	:	PUNCT
easat-1510	375	21	a	a	DET
easat-1510	375	22	structural	structural	ADJ
easat-1510	375	23	equation	equation	NOUN
easat-1510	375	24	model	model	NOUN
easat-1510	375	25	(	(	PUNCT
easat-1510	375	26	sem	sem	NOUN
easat-1510	375	27	)	)	PUNCT
easat-1510	375	28	,	,	PUNCT
easat-1510	375	29	the	the	DET
easat-1510	375	30	journal	journal	NOUN
easat-1510	375	31	of	of	ADP
easat-1510	375	32	internet	internet	NOUN
easat-1510	375	33	banking	banking	NOUN
easat-1510	375	34	and	and	CCONJ
easat-1510	375	35	commerce	commerce	PROPN
easat-1510	375	36	,	,	PUNCT
easat-1510	375	37	22	22	NUM
easat-1510	375	38	(	(	PUNCT
easat-1510	375	39	1	1	NUM
easat-1510	375	40	)	)	PUNCT
easat-1510	375	41	,	,	PUNCT
easat-1510	375	42	1	1	NUM
easat-1510	375	43	-	-	SYM
easat-1510	375	44	18	18	NUM
easat-1510	375	45	.	.	PUNCT
easat-1510	376	1	rahim	rahim	PROPN
easat-1510	376	2	,	,	PUNCT
easat-1510	376	3	n.	n.	PROPN
easat-1510	376	4	f.	f.	PROPN
easat-1510	376	5	,	,	PUNCT
easat-1510	376	6	bakri	bakri	PROPN
easat-1510	376	7	,	,	PUNCT
easat-1510	376	8	m.	m.	PROPN
easat-1510	376	9	h.	h.	PROPN
easat-1510	376	10	,	,	PUNCT
easat-1510	376	11	fianto	fianto	PROPN
easat-1510	376	12	,	,	PUNCT
easat-1510	376	13	b.	b.	PROPN
easat-1510	376	14	a.	a.	PROPN
easat-1510	376	15	,	,	PUNCT
easat-1510	376	16	zainal	zainal	PROPN
easat-1510	376	17	,	,	PUNCT
easat-1510	376	18	n.	n.	NOUN
easat-1510	376	19	,	,	PUNCT
easat-1510	376	20	&	&	CCONJ
easat-1510	376	21	hussein	hussein	PROPN
easat-1510	376	22	al	al	PROPN
easat-1510	376	23	shami	shami	PROPN
easat-1510	376	24	,	,	PUNCT
easat-1510	376	25	s.	s.	PROPN
easat-1510	376	26	a.	a.	PROPN
easat-1510	376	27	(	(	PUNCT
easat-1510	376	28	2023	2023	NUM
easat-1510	376	29	)	)	PUNCT
easat-1510	376	30	.	.	PUNCT
easat-1510	377	1	measurement	measurement	NOUN
easat-1510	377	2	and	and	CCONJ
easat-1510	377	3	structural	structural	ADJ
easat-1510	377	4	modelling	modelling	NOUN
easat-1510	377	5	on	on	ADP
easat-1510	377	6	factors	factor	NOUN
easat-1510	377	7	of	of	ADP
easat-1510	377	8	islamic	islamic	ADJ
easat-1510	377	9	fintech	fintech	NOUN
easat-1510	377	10	adoption	adoption	NOUN
easat-1510	377	11	among	among	ADP
easat-1510	377	12	millennials	millennial	NOUN
easat-1510	377	13	in	in	ADP
easat-1510	377	14	malaysia	malaysia	PROPN
easat-1510	377	15	.	.	PUNCT
easat-1510	378	1	journal	journal	PROPN
easat-1510	378	2	of	of	ADP
easat-1510	378	3	islamic	islamic	PROPN
easat-1510	378	4	marketing	marketing	NOUN
easat-1510	378	5	,	,	PUNCT
easat-1510	378	6	14(6	14(6	NOUN
easat-1510	378	7	)	)	PUNCT
easat-1510	378	8	,	,	PUNCT
easat-1510	378	9	1463	1463	NUM
easat-1510	378	10	-	-	SYM
easat-1510	378	11	1487	1487	NUM
easat-1510	378	12	.	.	PUNCT
easat-1510	379	1	raza	raza	PROPN
easat-1510	379	2	,	,	PUNCT
easat-1510	379	3	s.a	s.a	PROPN
easat-1510	379	4	.	.	PROPN
easat-1510	379	5	,	,	PUNCT
easat-1510	379	6	shah	shah	PROPN
easat-1510	379	7	,	,	PUNCT
easat-1510	379	8	n.	n.	PROPN
easat-1510	379	9	and	and	CCONJ
easat-1510	379	10	ali	ali	PROPN
easat-1510	379	11	,	,	PUNCT
easat-1510	379	12	m.	m.	NOUN
easat-1510	379	13	(	(	PUNCT
easat-1510	379	14	2018	2018	NUM
easat-1510	379	15	)	)	PUNCT
easat-1510	379	16	.	.	PUNCT
easat-1510	380	1	acceptance	acceptance	NOUN
easat-1510	380	2	of	of	ADP
easat-1510	380	3	mobile	mobile	ADJ
easat-1510	380	4	banking	banking	NOUN
easat-1510	380	5	in	in	ADP
easat-1510	380	6	islamic	islamic	ADJ
easat-1510	380	7	banks	bank	NOUN
easat-1510	380	8	:	:	PUNCT
easat-1510	380	9	evidence	evidence	NOUN
easat-1510	380	10	from	from	ADP
easat-1510	380	11	modified	modify	VERB
easat-1510	380	12	utaut	utaut	PROPN
easat-1510	380	13	model	model	PROPN
easat-1510	380	14	,	,	PUNCT
easat-1510	380	15	journal	journal	NOUN
easat-1510	380	16	of	of	ADP
easat-1510	380	17	islamic	islamic	PROPN
easat-1510	380	18	marketing	marketing	NOUN
easat-1510	380	19	,	,	PUNCT
easat-1510	380	20	10(1	10(1	NUM
easat-1510	380	21	)	)	PUNCT
easat-1510	380	22	,	,	PUNCT
easat-1510	380	23	357	357	NUM
easat-1510	380	24	-	-	SYM
easat-1510	380	25	376	376	NUM
easat-1510	380	26	.	.	PUNCT
easat-1510	381	1	doi	doi	NOUN
easat-1510	381	2	:	:	PUNCT
easat-1510	381	3	10.1108	10.1108	NUM
easat-1510	381	4	/	/	SYM
easat-1510	381	5	jima-04	jima-04	PROPN
easat-1510	381	6	-	-	PUNCT
easat-1510	381	7	20170038	20170038	NUM
easat-1510	381	8	.	.	PUNCT
easat-1510	382	1	raza	raza	PROPN
easat-1510	382	2	,	,	PUNCT
easat-1510	382	3	s.a	s.a	PROPN
easat-1510	382	4	.	.	PROPN
easat-1510	382	5	,	,	PUNCT
easat-1510	382	6	shah	shah	PROPN
easat-1510	382	7	,	,	PUNCT
easat-1510	382	8	n.	n.	PROPN
easat-1510	382	9	and	and	CCONJ
easat-1510	382	10	ali	ali	PROPN
easat-1510	382	11	,	,	PUNCT
easat-1510	382	12	m.	m.	NOUN
easat-1510	382	13	(	(	PUNCT
easat-1510	382	14	2019	2019	NUM
easat-1510	382	15	)	)	PUNCT
easat-1510	382	16	.	.	PUNCT
easat-1510	383	1	acceptance	acceptance	NOUN
easat-1510	383	2	of	of	ADP
easat-1510	383	3	mobile	mobile	ADJ
easat-1510	383	4	banking	banking	NOUN
easat-1510	383	5	in	in	ADP
easat-1510	383	6	islamic	islamic	ADJ
easat-1510	383	7	banks	bank	NOUN
easat-1510	383	8	:	:	PUNCT
easat-1510	383	9	evidence	evidence	NOUN
easat-1510	383	10	from	from	ADP
easat-1510	383	11	modified	modify	VERB
easat-1510	383	12	utaut	utaut	PROPN
easat-1510	383	13	model	model	PROPN
easat-1510	383	14	,	,	PUNCT
easat-1510	383	15	journal	journal	NOUN
easat-1510	383	16	of	of	ADP
easat-1510	383	17	islamic	islamic	PROPN
easat-1510	383	18	marketing	marketing	NOUN
easat-1510	383	19	,	,	PUNCT
easat-1510	383	20	10	10	NUM
easat-1510	383	21	(	(	PUNCT
easat-1510	383	22	1	1	NUM
easat-1510	383	23	)	)	PUNCT
easat-1510	383	24	,	,	PUNCT
easat-1510	383	25	357	357	NUM
easat-1510	383	26	-	-	SYM
easat-1510	383	27	376	376	NUM
easat-1510	383	28	.	.	PUNCT
easat-1510	384	1	reuters	reuter	NOUN
easat-1510	384	2	,	,	PUNCT
easat-1510	384	3	t.	t.	PROPN
easat-1510	384	4	(	(	PUNCT
easat-1510	384	5	2018	2018	NUM
easat-1510	384	6	)	)	PUNCT
easat-1510	384	7	.	.	PUNCT
easat-1510	385	1	state	state	NOUN
easat-1510	385	2	of	of	ADP
easat-1510	385	3	global	global	ADJ
easat-1510	385	4	islamic	islamic	ADJ
easat-1510	385	5	economy	economy	NOUN
easat-1510	385	6	report	report	NOUN
easat-1510	385	7	2018/2019	2018/2019	NUM
easat-1510	385	8	,	,	PUNCT
easat-1510	385	9	dubai	dubai	PROPN
easat-1510	385	10	international	international	ADJ
easat-1510	385	11	financial	financial	ADJ
easat-1510	385	12	centre	centre	NOUN
easat-1510	385	13	,	,	PUNCT
easat-1510	385	14	112	112	NUM
easat-1510	385	15	.	.	PUNCT
easat-1510	385	16	available	available	ADJ
easat-1510	385	17	at	at	ADP
easat-1510	385	18	:	:	PUNCT
easat-1510	385	19	https://haladinar.io/hdn/doc/report2018.pdf	https://haladinar.io/hdn/doc/report2018.pdf	PROPN
easat-1510	385	20	santos	santos	PROPN
easat-1510	385	21	,	,	PUNCT
easat-1510	385	22	j.	j.	PROPN
easat-1510	385	23	(	(	PUNCT
easat-1510	385	24	2003	2003	NUM
easat-1510	385	25	)	)	PUNCT
easat-1510	385	26	.	.	PUNCT
easat-1510	386	1	e	e	X
easat-1510	386	2	-	-	NOUN
easat-1510	386	3	service	service	ADJ
easat-1510	386	4	quality	quality	NOUN
easat-1510	386	5	:	:	PUNCT
easat-1510	386	6	a	a	DET
easat-1510	386	7	model	model	NOUN
easat-1510	386	8	of	of	ADP
easat-1510	386	9	virtual	virtual	ADJ
easat-1510	386	10	service	service	NOUN
easat-1510	386	11	quality	quality	NOUN
easat-1510	386	12	dimensions	dimension	NOUN
easat-1510	386	13	,	,	PUNCT
easat-1510	386	14	managing	manage	VERB
easat-1510	386	15	service	service	NOUN
easat-1510	386	16	quality	quality	NOUN
easat-1510	386	17	:	:	PUNCT
easat-1510	386	18	an	an	DET
easat-1510	386	19	international	international	ADJ
easat-1510	386	20	journal	journal	NOUN
easat-1510	386	21	,	,	PUNCT
easat-1510	386	22	13	13	NUM
easat-1510	386	23	(	(	PUNCT
easat-1510	386	24	3	3	NUM
easat-1510	386	25	)	)	PUNCT
easat-1510	386	26	,	,	PUNCT
easat-1510	386	27	233	233	NUM
easat-1510	386	28	-	-	SYM
easat-1510	386	29	246	246	NUM
easat-1510	386	30	.	.	PUNCT
easat-1510	387	1	sugiarto	sugiarto	PROPN
easat-1510	387	2	,	,	PUNCT
easat-1510	387	3	i.	i.	PROPN
easat-1510	387	4	,	,	PUNCT
easat-1510	387	5	&	&	CCONJ
easat-1510	387	6	disemadi	disemadi	PROPN
easat-1510	387	7	,	,	PUNCT
easat-1510	387	8	h.	h.	PROPN
easat-1510	387	9	s.	s.	PROPN
easat-1510	387	10	(	(	PUNCT
easat-1510	387	11	2020	2020	NUM
easat-1510	387	12	)	)	PUNCT
easat-1510	387	13	.	.	PUNCT
easat-1510	388	1	consumers	consumer	NOUN
easat-1510	388	2	spiritual	spiritual	ADJ
easat-1510	388	3	rights	right	NOUN
easat-1510	388	4	in	in	ADP
easat-1510	388	5	indonesia	indonesia	PROPN
easat-1510	388	6	:	:	PUNCT
easat-1510	388	7	a	a	DET
easat-1510	388	8	legal	legal	ADJ
easat-1510	388	9	study	study	NOUN
easat-1510	388	10	of	of	ADP
easat-1510	388	11	sharia	sharia	PROPN
easat-1510	388	12	fintech	fintech	NOUN
easat-1510	388	13	implementation	implementation	NOUN
easat-1510	388	14	in	in	ADP
easat-1510	388	15	the	the	DET
easat-1510	388	16	consumers	consumer	NOUN
easat-1510	388	17	protection	protection	NOUN
easat-1510	388	18	perspective	perspective	NOUN
easat-1510	388	19	.	.	PUNCT
easat-1510	389	1	jurnal	jurnal	ADJ
easat-1510	389	2	ius	ius	PROPN
easat-1510	389	3	kajian	kajian	PROPN
easat-1510	389	4	hukum	hukum	PROPN
easat-1510	389	5	dan	dan	PROPN
easat-1510	389	6	keadilan	keadilan	PROPN
easat-1510	389	7	,	,	PUNCT
easat-1510	389	8	8(3	8(3	NUM
easat-1510	389	9	)	)	PUNCT
easat-1510	389	10	,	,	PUNCT
easat-1510	389	11	437	437	NUM
easat-1510	389	12	-	-	SYM
easat-1510	389	13	452	452	NUM
easat-1510	389	14	.	.	PUNCT
easat-1510	390	1	suhartanto	suhartanto	NOUN
easat-1510	390	2	,	,	PUNCT
easat-1510	390	3	d.	d.	PROPN
easat-1510	390	4	,	,	PUNCT
easat-1510	390	5	dean	dean	PROPN
easat-1510	390	6	,	,	PUNCT
easat-1510	390	7	d.	d.	PROPN
easat-1510	390	8	,	,	PUNCT
easat-1510	390	9	ismail	ismail	PROPN
easat-1510	390	10	,	,	PUNCT
easat-1510	390	11	t.	t.	PROPN
easat-1510	390	12	a.	a.	NOUN
easat-1510	390	13	t.	t.	PROPN
easat-1510	390	14	,	,	PUNCT
easat-1510	390	15	&	&	CCONJ
easat-1510	390	16	sundari	sundari	PROPN
easat-1510	390	17	,	,	PUNCT
easat-1510	390	18	r.	r.	PROPN
easat-1510	390	19	(	(	PUNCT
easat-1510	390	20	2020	2020	NUM
easat-1510	390	21	)	)	PUNCT
easat-1510	390	22	.	.	PUNCT
easat-1510	391	1	mobile	mobile	ADJ
easat-1510	391	2	banking	banking	NOUN
easat-1510	391	3	adoption	adoption	NOUN
easat-1510	391	4	in	in	ADP
easat-1510	391	5	islamic	islamic	ADJ
easat-1510	391	6	banks	bank	NOUN
easat-1510	391	7	:	:	PUNCT
easat-1510	391	8	integrating	integrate	VERB
easat-1510	391	9	tam	tam	NOUN
easat-1510	391	10	model	model	NOUN
easat-1510	391	11	and	and	CCONJ
easat-1510	391	12	religiosity	religiosity	NOUN
easat-1510	391	13	-	-	PUNCT
easat-1510	391	14	intention	intention	NOUN
easat-1510	391	15	model	model	NOUN
easat-1510	391	16	.	.	PUNCT
easat-1510	392	1	journal	journal	PROPN
easat-1510	392	2	of	of	ADP
easat-1510	392	3	islamic	islamic	PROPN
easat-1510	392	4	marketing	marketing	NOUN
easat-1510	392	5	,	,	PUNCT
easat-1510	392	6	11(6	11(6	NUM
easat-1510	392	7	)	)	PUNCT
easat-1510	392	8	,	,	PUNCT
easat-1510	392	9	1405	1405	NUM
easat-1510	392	10	-	-	SYM
easat-1510	392	11	1418	1418	NUM
easat-1510	392	12	.	.	PUNCT
easat-1510	393	1	taylor	taylor	PROPN
easat-1510	393	2	,	,	PUNCT
easat-1510	393	3	s.	s.	PROPN
easat-1510	393	4	and	and	CCONJ
easat-1510	393	5	todd	todd	NOUN
easat-1510	393	6	,	,	PUNCT
easat-1510	393	7	p.	p.	NOUN
easat-1510	393	8	(	(	PUNCT
easat-1510	393	9	1995	1995	NUM
easat-1510	393	10	)	)	PUNCT
easat-1510	393	11	.	.	PUNCT
easat-1510	394	1	understanding	understand	VERB
easat-1510	394	2	information	information	NOUN
easat-1510	394	3	application	application	NOUN
easat-1510	394	4	usage	usage	NOUN
easat-1510	394	5	:	:	PUNCT
easat-1510	394	6	a	a	DET
easat-1510	394	7	test	test	NOUN
easat-1510	394	8	of	of	ADP
easat-1510	394	9	competing	compete	VERB
easat-1510	394	10	models	model	NOUN
easat-1510	394	11	,	,	PUNCT
easat-1510	394	12	information	information	NOUN
easat-1510	394	13	systems	system	NOUN
easat-1510	394	14	research	research	NOUN
easat-1510	394	15	,	,	PUNCT
easat-1510	394	16	6	6	NUM
easat-1510	394	17	(	(	PUNCT
easat-1510	394	18	2	2	NUM
easat-1510	394	19	)	)	PUNCT
easat-1510	394	20	,	,	PUNCT
easat-1510	394	21	144	144	NUM
easat-1510	394	22	-	-	SYM
easat-1510	394	23	176	176	NUM
easat-1510	394	24	.	.	PUNCT
easat-1510	395	1	venkatesh	venkatesh	PROPN
easat-1510	395	2	,	,	PUNCT
easat-1510	395	3	v.	v.	PROPN
easat-1510	395	4	and	and	CCONJ
easat-1510	395	5	bala	bala	PROPN
easat-1510	395	6	,	,	PUNCT
easat-1510	395	7	h.	h.	PROPN
easat-1510	395	8	(	(	PUNCT
easat-1510	395	9	2008	2008	NUM
easat-1510	395	10	)	)	PUNCT
easat-1510	395	11	.	.	PUNCT
easat-1510	396	1	application	application	NOUN
easat-1510	396	2	acceptance	acceptance	NOUN
easat-1510	396	3	model	model	NOUN
easat-1510	396	4	3	3	NUM
easat-1510	396	5	and	and	CCONJ
easat-1510	396	6	a	a	DET
easat-1510	396	7	research	research	NOUN
easat-1510	396	8	agenda	agenda	NOUN
easat-1510	396	9	on	on	ADP
easat-1510	396	10	interventions	intervention	NOUN
easat-1510	396	11	,	,	PUNCT
easat-1510	396	12	decision	decision	NOUN
easat-1510	396	13	sciences	science	NOUN
easat-1510	396	14	,	,	PUNCT
easat-1510	396	15	39	39	NUM
easat-1510	396	16	(	(	PUNCT
easat-1510	396	17	2	2	NUM
easat-1510	396	18	)	)	PUNCT
easat-1510	396	19	,	,	PUNCT
easat-1510	396	20	273	273	NUM
easat-1510	396	21	-	-	SYM
easat-1510	396	22	315	315	NUM
easat-1510	396	23	,	,	PUNCT
easat-1510	396	24	doi	doi	NOUN
easat-1510	396	25	:	:	PUNCT
easat-1510	396	26	10.1111	10.1111	NUM
easat-1510	396	27	/	/	SYM
easat-1510	396	28	j.15405915.2008.00192.x	j.15405915.2008.00192.x	PROPN
easat-1510	396	29	.	.	PUNCT
easat-1510	397	1	venkatesh	venkatesh	PROPN
easat-1510	397	2	,	,	PUNCT
easat-1510	397	3	v.	v.	PROPN
easat-1510	397	4	and	and	CCONJ
easat-1510	397	5	davis	davis	PROPN
easat-1510	397	6	,	,	PUNCT
easat-1510	397	7	f.d	f.d	PROPN
easat-1510	397	8	.	.	PROPN
easat-1510	397	9	(	(	PUNCT
easat-1510	397	10	2000	2000	NUM
easat-1510	397	11	)	)	PUNCT
easat-1510	397	12	.	.	PUNCT
easat-1510	398	1	theoretical	theoretical	ADJ
easat-1510	398	2	extension	extension	NOUN
easat-1510	398	3	of	of	ADP
easat-1510	398	4	the	the	DET
easat-1510	398	5	application	application	NOUN
easat-1510	398	6	acceptance	acceptance	NOUN
easat-1510	398	7	model	model	NOUN
easat-1510	398	8	:	:	PUNCT
easat-1510	398	9	four	four	NUM
easat-1510	398	10	longitudinal	longitudinal	ADJ
easat-1510	398	11	field	field	NOUN
easat-1510	398	12	studies	study	NOUN
easat-1510	398	13	,	,	PUNCT
easat-1510	398	14	management	management	NOUN
easat-1510	398	15	science	science	NOUN
easat-1510	398	16	,	,	PUNCT
easat-1510	398	17	46	46	NUM
easat-1510	398	18	(	(	PUNCT
easat-1510	398	19	2	2	NUM
easat-1510	398	20	)	)	PUNCT
easat-1510	398	21	,	,	PUNCT
easat-1510	398	22	186	186	NUM
easat-1510	398	23	-	-	SYM
easat-1510	398	24	204	204	NUM
easat-1510	398	25	,	,	PUNCT
easat-1510	398	26	doi	doi	NOUN
easat-1510	398	27	:	:	PUNCT
easat-1510	398	28	10.1287/	10.1287/	NUM
easat-1510	398	29	mnsc.46.2.186.11926	mnsc.46.2.186.11926	PROPN
easat-1510	398	30	.	.	PUNCT
easat-1510	399	1	venkatesh	venkatesh	PROPN
easat-1510	399	2	,	,	PUNCT
easat-1510	399	3	v.	v.	PROPN
easat-1510	399	4	,	,	PUNCT
easat-1510	399	5	morris	morris	PROPN
easat-1510	399	6	,	,	PUNCT
easat-1510	399	7	m.g	m.g	PROPN
easat-1510	399	8	.	.	PROPN
easat-1510	399	9	,	,	PUNCT
easat-1510	399	10	davis	davis	PROPN
easat-1510	399	11	,	,	PUNCT
easat-1510	399	12	g.b	g.b	PROPN
easat-1510	399	13	.	.	PROPN
easat-1510	399	14	and	and	CCONJ
easat-1510	399	15	davis	davis	PROPN
easat-1510	399	16	,	,	PUNCT
easat-1510	399	17	f.d	f.d	PROPN
easat-1510	399	18	.	.	PROPN
easat-1510	399	19	(	(	PUNCT
easat-1510	399	20	2003	2003	NUM
easat-1510	399	21	)	)	PUNCT
easat-1510	399	22	.	.	PUNCT
easat-1510	400	1	user	user	NOUN
easat-1510	400	2	acceptance	acceptance	NOUN
easat-1510	400	3	of	of	ADP
easat-1510	400	4	information	information	NOUN
easat-1510	400	5	application	application	NOUN
easat-1510	400	6	:	:	PUNCT
easat-1510	400	7	toward	toward	ADP
easat-1510	400	8	a	a	DET
easat-1510	400	9	unified	unified	ADJ
easat-1510	400	10	view	view	NOUN
easat-1510	400	11	,	,	PUNCT
easat-1510	400	12	mis	mis	PROPN
easat-1510	400	13	quarterly	quarterly	PROPN
easat-1510	400	14	,	,	PUNCT
easat-1510	400	15	27	27	NUM
easat-1510	400	16	(	(	PUNCT
easat-1510	400	17	3	3	NUM
easat-1510	400	18	)	)	PUNCT
easat-1510	400	19	,	,	PUNCT
easat-1510	400	20	425	425	NUM
easat-1510	400	21	-	-	SYM
easat-1510	400	22	478	478	NUM
easat-1510	400	23	,	,	PUNCT
easat-1510	400	24	doi	doi	NOUN
easat-1510	400	25	:	:	PUNCT
easat-1510	400	26	10.2307/	10.2307/	NUM
easat-1510	400	27	30036540	30036540	NUM
easat-1510	400	28	.	.	PUNCT
easat-1510	401	1	venkatesh	venkatesh	PROPN
easat-1510	401	2	,	,	PUNCT
easat-1510	401	3	v.	v.	PROPN
easat-1510	401	4	,	,	PUNCT
easat-1510	401	5	thong	thong	NOUN
easat-1510	401	6	,	,	PUNCT
easat-1510	401	7	j.y.l	j.y.l	PROPN
easat-1510	401	8	.	.	PROPN
easat-1510	401	9	and	and	CCONJ
easat-1510	401	10	xu	xu	PROPN
easat-1510	401	11	,	,	PUNCT
easat-1510	401	12	x.	x.	NOUN
easat-1510	401	13	(	(	PUNCT
easat-1510	401	14	2012	2012	NUM
easat-1510	401	15	)	)	PUNCT
easat-1510	401	16	.	.	PUNCT
easat-1510	402	1	consumer	consumer	NOUN
easat-1510	402	2	acceptance	acceptance	NOUN
easat-1510	402	3	and	and	CCONJ
easat-1510	402	4	use	use	NOUN
easat-1510	402	5	of	of	ADP
easat-1510	402	6	information	information	NOUN
easat-1510	402	7	application	application	NOUN
easat-1510	402	8	:	:	PUNCT
easat-1510	402	9	extending	extend	VERB
easat-1510	402	10	the	the	DET
easat-1510	402	11	unified	unified	ADJ
easat-1510	402	12	theory	theory	NOUN
easat-1510	402	13	of	of	ADP
easat-1510	402	14	acceptance	acceptance	NOUN
easat-1510	402	15	and	and	CCONJ
easat-1510	402	16	use	use	NOUN
easat-1510	402	17	of	of	ADP
easat-1510	402	18	application	application	NOUN
easat-1510	402	19	,	,	PUNCT
easat-1510	402	20	mis	mis	PROPN
easat-1510	402	21	quarterly	quarterly	PROPN
easat-1510	402	22	,	,	PUNCT
easat-1510	402	23	36	36	NUM
easat-1510	402	24	(	(	PUNCT
easat-1510	402	25	1	1	NUM
easat-1510	402	26	)	)	PUNCT
easat-1510	402	27	,	,	PUNCT
easat-1510	402	28	157	157	NUM
easat-1510	402	29	-	-	SYM
easat-1510	402	30	178	178	NUM
easat-1510	402	31	,	,	PUNCT
easat-1510	402	32	doi	doi	NOUN
easat-1510	402	33	:	:	PUNCT
easat-1510	402	34	10.2307/41410412	10.2307/41410412	NUM
easat-1510	402	35	.	.	X
easat-1510	403	1	wang	wang	PROPN
easat-1510	403	2	,	,	PUNCT
easat-1510	403	3	m.	m.	NOUN
easat-1510	403	4	,	,	PUNCT
easat-1510	403	5	cho	cho	PROPN
easat-1510	403	6	,	,	PUNCT
easat-1510	403	7	s.	s.	PROPN
easat-1510	403	8	and	and	CCONJ
easat-1510	403	9	denton	denton	PROPN
easat-1510	403	10	,	,	PUNCT
easat-1510	403	11	t.	t.	PROPN
easat-1510	403	12	(	(	PUNCT
easat-1510	403	13	2017	2017	NUM
easat-1510	403	14	)	)	PUNCT
easat-1510	403	15	.	.	PUNCT
easat-1510	404	1	the	the	DET
easat-1510	404	2	impact	impact	NOUN
easat-1510	404	3	of	of	ADP
easat-1510	404	4	personalization	personalization	NOUN
easat-1510	404	5	and	and	CCONJ
easat-1510	404	6	compatibility	compatibility	NOUN
easat-1510	404	7	with	with	ADP
easat-1510	404	8	past	past	ADJ
easat-1510	404	9	experience	experience	NOUN
easat-1510	404	10	on	on	ADP
easat-1510	404	11	e	e	NOUN
easat-1510	404	12	-	-	ADJ
easat-1510	404	13	banking	banking	ADJ
easat-1510	404	14	usage	usage	NOUN
easat-1510	404	15	,	,	PUNCT
easat-1510	404	16	international	international	ADJ
easat-1510	404	17	journal	journal	NOUN
easat-1510	404	18	of	of	ADP
easat-1510	404	19	bank	bank	PROPN
easat-1510	404	20	marketing	marketing	NOUN
easat-1510	404	21	,	,	PUNCT
easat-1510	404	22	35(1	35(1	NUM
easat-1510	404	23	)	)	PUNCT
easat-1510	404	24	,	,	PUNCT
easat-1510	404	25	45	45	NUM
easat-1510	404	26	-	-	SYM
easat-1510	404	27	55	55	NUM
easat-1510	404	28	.	.	PUNCT
easat-1510	405	1	xue	xue	PROPN
easat-1510	405	2	,	,	PUNCT
easat-1510	405	3	m.	m.	NOUN
easat-1510	405	4	,	,	PUNCT
easat-1510	405	5	hitt	hitt	X
easat-1510	405	6	,	,	PUNCT
easat-1510	405	7	l.m	l.m	PROPN
easat-1510	405	8	.	.	PROPN
easat-1510	405	9	and	and	CCONJ
easat-1510	405	10	chen	chen	PROPN
easat-1510	405	11	,	,	PUNCT
easat-1510	405	12	p.-y	p.-y	NOUN
easat-1510	405	13	.	.	PUNCT
easat-1510	406	1	(	(	PUNCT
easat-1510	406	2	2011	2011	NUM
easat-1510	406	3	)	)	PUNCT
easat-1510	406	4	,	,	PUNCT
easat-1510	406	5	determinants	determinant	NOUN
easat-1510	406	6	and	and	CCONJ
easat-1510	406	7	outcomes	outcome	NOUN
easat-1510	406	8	of	of	ADP
easat-1510	406	9	internet	internet	NOUN
easat-1510	406	10	banking	banking	NOUN
easat-1510	406	11	adoption	adoption	NOUN
easat-1510	406	12	,	,	PUNCT
easat-1510	406	13	management	management	NOUN
easat-1510	406	14	science	science	NOUN
easat-1510	406	15	,	,	PUNCT
easat-1510	406	16	57	57	NUM
easat-1510	406	17	(	(	PUNCT
easat-1510	406	18	2	2	NUM
easat-1510	406	19	)	)	PUNCT
easat-1510	406	20	,	,	PUNCT
easat-1510	406	21	291	291	NUM
easat-1510	406	22	-	-	SYM
easat-1510	406	23	307	307	NUM
easat-1510	406	24	.	.	PUNCT
easat-1510	407	1	zeithaml	zeithaml	PROPN
easat-1510	407	2	,	,	PUNCT
easat-1510	407	3	v.a	v.a	PROPN
easat-1510	407	4	.	.	PROPN
easat-1510	407	5	(	(	PUNCT
easat-1510	407	6	2002	2002	NUM
easat-1510	407	7	)	)	PUNCT
easat-1510	407	8	.	.	PUNCT
easat-1510	408	1	service	service	NOUN
easat-1510	408	2	excellence	excellence	PROPN
easat-1510	408	3	in	in	ADP
easat-1510	408	4	electronic	electronic	ADJ
easat-1510	408	5	channels	channel	NOUN
easat-1510	408	6	,	,	PUNCT
easat-1510	408	7	managing	manage	VERB
easat-1510	408	8	service	service	NOUN
easat-1510	408	9	quality	quality	NOUN
easat-1510	408	10	:	:	PUNCT
easat-1510	408	11	an	an	DET
easat-1510	408	12	international	international	ADJ
easat-1510	408	13	journal	journal	NOUN
easat-1510	408	14	,	,	PUNCT
easat-1510	408	15	12	12	NUM
easat-1510	408	16	(	(	PUNCT
easat-1510	408	17	3	3	NUM
easat-1510	408	18	)	)	PUNCT
easat-1510	408	19	,	,	PUNCT
easat-1510	408	20	135139	135139	NUM
easat-1510	408	21	.	.	PUNCT
easat-1510	409	1	zhang	zhang	PROPN
easat-1510	409	2	,	,	PUNCT
easat-1510	409	3	t.	t.	PROPN
easat-1510	409	4	,	,	PUNCT
easat-1510	409	5	lu	lu	PROPN
easat-1510	409	6	,	,	PUNCT
easat-1510	409	7	c.	c.	PROPN
easat-1510	409	8	and	and	CCONJ
easat-1510	409	9	kizildag	kizildag	PROPN
easat-1510	409	10	,	,	PUNCT
easat-1510	409	11	m.	m.	NOUN
easat-1510	409	12	(	(	PUNCT
easat-1510	409	13	2018	2018	NUM
easat-1510	409	14	)	)	PUNCT
easat-1510	409	15	.	.	PUNCT
easat-1510	410	1	banking	bank	VERB
easat-1510	410	2	‘	'	PUNCT
easat-1510	410	3	on	on	ADP
easat-1510	410	4	-	-	PUNCT
easat-1510	410	5	the	the	DET
easat-1510	410	6	-	-	PUNCT
easat-1510	410	7	go	go	NOUN
easat-1510	410	8	’	'	PUNCT
easat-1510	410	9	:	:	PUNCT
easat-1510	410	10	examining	examine	VERB
easat-1510	410	11	consumers	consumer	NOUN
easat-1510	410	12	’	’	PART
easat-1510	410	13	adoption	adoption	NOUN
easat-1510	410	14	of	of	ADP
easat-1510	410	15	mobile	mobile	ADJ
easat-1510	410	16	banking	banking	NOUN
easat-1510	410	17	services	service	NOUN
easat-1510	410	18	,	,	PUNCT
easat-1510	410	19	international	international	ADJ
easat-1510	410	20	journal	journal	NOUN
easat-1510	410	21	of	of	ADP
easat-1510	410	22	quality	quality	NOUN
easat-1510	410	23	and	and	CCONJ
easat-1510	410	24	service	service	NOUN
easat-1510	410	25	sciences	science	NOUN
easat-1510	410	26	,	,	PUNCT
easat-1510	410	27	10	10	NUM
easat-1510	410	28	(	(	PUNCT
easat-1510	410	29	3	3	NUM
easat-1510	410	30	)	)	PUNCT
easat-1510	410	31	,	,	PUNCT
easat-1510	410	32	pp	pp	ADJ
easat-1510	410	33	.	.	PUNCT
easat-1510	411	1	279	279	NUM
easat-1510	411	2	-	-	SYM
easat-1510	411	3	295	295	NUM
easat-1510	411	4	.	.	PUNCT