id	sid	tid	token	lemma	pos
easat-2929	1	1	edelweiss	edelweiss	PROPN
easat-2929	1	2	applied	apply	VERB
easat-2929	1	3	science	science	NOUN
easat-2929	1	4	and	and	CCONJ
easat-2929	1	5	technology	technology	NOUN
easat-2929	1	6	issn	issn	PROPN
easat-2929	1	7	:	:	PUNCT
easat-2929	1	8	2576	2576	NUM
easat-2929	1	9	-	-	SYM
easat-2929	1	10	8484	8484	NUM
easat-2929	1	11	vol	vol	NOUN
easat-2929	1	12	.	.	PROPN
easat-2929	1	13	8	8	NUM
easat-2929	1	14	,	,	PUNCT
easat-2929	1	15	no	no	INTJ
easat-2929	1	16	.	.	NOUN
easat-2929	1	17	6	6	NUM
easat-2929	1	18	,	,	PUNCT
easat-2929	1	19	4281	4281	NUM
easat-2929	1	20	-	-	SYM
easat-2929	1	21	4290	4290	NUM
easat-2929	1	22	2024	2024	NUM
easat-2929	1	23	publisher	publisher	NOUN
easat-2929	1	24	:	:	PUNCT
easat-2929	1	25	learning	learn	VERB
easat-2929	1	26	gate	gate	NOUN
easat-2929	1	27	doi	doi	PROPN
easat-2929	1	28	:	:	PUNCT
easat-2929	1	29	10.55214/25768484.v8i6.2929	10.55214/25768484.v8i6.2929	NUM
easat-2929	1	30	©	©	PROPN
easat-2929	1	31	2024	2024	NUM
easat-2929	1	32	by	by	ADP
easat-2929	1	33	the	the	DET
easat-2929	1	34	authors	author	NOUN
easat-2929	1	35	;	;	PUNCT
easat-2929	1	36	licensee	licensee	PROPN
easat-2929	1	37	learning	learning	NOUN
easat-2929	1	38	gate	gate	NOUN
easat-2929	1	39	©	©	PROPN
easat-2929	1	40	2024	2024	NUM
easat-2929	1	41	by	by	ADP
easat-2929	1	42	the	the	DET
easat-2929	1	43	authors	author	NOUN
easat-2929	1	44	;	;	PUNCT
easat-2929	1	45	licensee	licensee	PROPN
easat-2929	1	46	learning	learn	VERB
easat-2929	1	47	gate	gate	NOUN
easat-2929	1	48	*	*	PUNCT
easat-2929	1	49	correspondence	correspondence	NOUN
easat-2929	1	50	:	:	PUNCT
easat-2929	1	51	agbadebo@wsu.ac.za	agbadebo@wsu.ac.za	PROPN
easat-2929	1	52	does	do	AUX
easat-2929	1	53	cybercrime	cybercrime	NOUN
easat-2929	1	54	affect	affect	VERB
easat-2929	1	55	brand	brand	NOUN
easat-2929	1	56	loyalty	loyalty	NOUN
easat-2929	1	57	to	to	PART
easat-2929	1	58	deposit	deposit	VERB
easat-2929	1	59	money	money	NOUN
easat-2929	1	60	banks	bank	NOUN
easat-2929	1	61	in	in	ADP
easat-2929	1	62	nigeria	nigeria	PROPN
easat-2929	1	63	adedeji	adedeji	PROPN
easat-2929	1	64	daniel	daniel	PROPN
easat-2929	1	65	gbadebo1	gbadebo1	PROPN
easat-2929	1	66	*	*	PROPN
easat-2929	1	67	1walter	1walter	NUM
easat-2929	1	68	sisulu	sisulu	PROPN
easat-2929	1	69	university	university	NOUN
easat-2929	1	70	,	,	PUNCT
easat-2929	1	71	mthatha	mthatha	PROPN
easat-2929	1	72	,	,	PUNCT
easat-2929	1	73	south	south	PROPN
easat-2929	1	74	africa	africa	PROPN
easat-2929	1	75	;	;	PUNCT
easat-2929	1	76	agbadebo@wsu.ac.za	agbadebo@wsu.ac.za	PROPN
easat-2929	1	77	(	(	PUNCT
easat-2929	1	78	a.d.g	a.d.g	NOUN
easat-2929	1	79	.	.	PUNCT
easat-2929	1	80	)	)	PUNCT
easat-2929	1	81	.	.	PUNCT
easat-2929	2	1	abstract	abstract	ADV
easat-2929	2	2	:	:	PUNCT
easat-2929	2	3	the	the	DET
easat-2929	2	4	financial	financial	ADJ
easat-2929	2	5	service	service	NOUN
easat-2929	2	6	industry	industry	NOUN
easat-2929	2	7	,	,	PUNCT
easat-2929	2	8	especially	especially	ADV
easat-2929	2	9	banking	banking	NOUN
easat-2929	2	10	,	,	PUNCT
easat-2929	2	11	has	have	AUX
easat-2929	2	12	benefited	benefit	VERB
easat-2929	2	13	greatly	greatly	ADV
easat-2929	2	14	from	from	ADP
easat-2929	2	15	the	the	DET
easat-2929	2	16	introduction	introduction	NOUN
easat-2929	2	17	of	of	ADP
easat-2929	2	18	information	information	NOUN
easat-2929	2	19	technology	technology	NOUN
easat-2929	2	20	.	.	PUNCT
easat-2929	3	1	the	the	DET
easat-2929	3	2	technology	technology	NOUN
easat-2929	3	3	has	have	AUX
easat-2929	3	4	allowed	allow	VERB
easat-2929	3	5	them	they	PRON
easat-2929	3	6	to	to	PART
easat-2929	3	7	offer	offer	VERB
easat-2929	3	8	a	a	DET
easat-2929	3	9	wide	wide	ADJ
easat-2929	3	10	range	range	NOUN
easat-2929	3	11	of	of	ADP
easat-2929	3	12	electronic	electronic	ADJ
easat-2929	3	13	banking	banking	NOUN
easat-2929	3	14	services	service	NOUN
easat-2929	3	15	that	that	PRON
easat-2929	3	16	have	have	AUX
easat-2929	3	17	expanded	expand	VERB
easat-2929	3	18	scope	scope	NOUN
easat-2929	3	19	of	of	ADP
easat-2929	3	20	participants	participant	NOUN
easat-2929	3	21	.	.	PUNCT
easat-2929	4	1	this	this	PRON
easat-2929	4	2	,	,	PUNCT
easat-2929	4	3	however	however	ADV
easat-2929	4	4	,	,	PUNCT
easat-2929	4	5	has	have	AUX
easat-2929	4	6	exposed	expose	VERB
easat-2929	4	7	the	the	DET
easat-2929	4	8	banks	bank	NOUN
easat-2929	4	9	to	to	ADP
easat-2929	4	10	cybercrime	cybercrime	NOUN
easat-2929	4	11	risk	risk	NOUN
easat-2929	4	12	,	,	PUNCT
easat-2929	4	13	posing	pose	VERB
easat-2929	4	14	serious	serious	ADJ
easat-2929	4	15	threat	threat	NOUN
easat-2929	4	16	to	to	ADP
easat-2929	4	17	their	their	PRON
easat-2929	4	18	survival	survival	NOUN
easat-2929	4	19	.	.	PUNCT
easat-2929	5	1	the	the	DET
easat-2929	5	2	study	study	NOUN
easat-2929	5	3	aimed	aim	VERB
easat-2929	5	4	to	to	PART
easat-2929	5	5	determine	determine	VERB
easat-2929	5	6	how	how	SCONJ
easat-2929	5	7	the	the	DET
easat-2929	5	8	brand	brand	NOUN
easat-2929	5	9	loyalty	loyalty	NOUN
easat-2929	5	10	of	of	ADP
easat-2929	5	11	the	the	DET
easat-2929	5	12	banks	bank	NOUN
easat-2929	5	13	’	'	PUNCT
easat-2929	5	14	customers	customer	NOUN
easat-2929	5	15	is	be	AUX
easat-2929	5	16	affected	affect	VERB
easat-2929	5	17	by	by	ADP
easat-2929	5	18	cybercrime	cybercrime	NOUN
easat-2929	5	19	associated	associate	VERB
easat-2929	5	20	to	to	ADP
easat-2929	5	21	the	the	DET
easat-2929	5	22	use	use	NOUN
easat-2929	5	23	of	of	ADP
easat-2929	5	24	e	e	NOUN
easat-2929	5	25	-	-	ADJ
easat-2929	5	26	banking	banking	NOUN
easat-2929	5	27	platforms	platform	NOUN
easat-2929	5	28	.	.	PUNCT
easat-2929	6	1	the	the	DET
easat-2929	6	2	study	study	NOUN
easat-2929	6	3	used	use	VERB
easat-2929	6	4	self	self	NOUN
easat-2929	6	5	-	-	PUNCT
easat-2929	6	6	structured	structure	VERB
easat-2929	6	7	and	and	CCONJ
easat-2929	6	8	administered	administer	VERB
easat-2929	6	9	questionnaires	questionnaire	NOUN
easat-2929	6	10	to	to	PART
easat-2929	6	11	gather	gather	VERB
easat-2929	6	12	primary	primary	ADJ
easat-2929	6	13	data	datum	NOUN
easat-2929	6	14	from	from	ADP
easat-2929	6	15	200	200	NUM
easat-2929	6	16	clients	client	NOUN
easat-2929	6	17	from	from	ADP
easat-2929	6	18	(	(	PUNCT
easat-2929	6	19	10	10	NUM
easat-2929	6	20	)	)	PUNCT
easat-2929	6	21	deposit	deposit	NOUN
easat-2929	6	22	money	money	NOUN
easat-2929	6	23	banks	bank	NOUN
easat-2929	6	24	(	(	PUNCT
easat-2929	6	25	dmbs	dmb	NOUN
easat-2929	6	26	)	)	PUNCT
easat-2929	6	27	and	and	CCONJ
easat-2929	6	28	examine	examine	VERB
easat-2929	6	29	the	the	DET
easat-2929	6	30	effects	effect	NOUN
easat-2929	6	31	of	of	ADP
easat-2929	6	32	cybercrime	cybercrime	NOUN
easat-2929	6	33	on	on	ADP
easat-2929	6	34	customers	customer	NOUN
easat-2929	6	35	brand	brand	NOUN
easat-2929	6	36	loyalty	loyalty	NOUN
easat-2929	6	37	.	.	PUNCT
easat-2929	7	1	a	a	DET
easat-2929	7	2	regression	regression	NOUN
easat-2929	7	3	analysis	analysis	NOUN
easat-2929	7	4	was	be	AUX
easat-2929	7	5	performed	perform	VERB
easat-2929	7	6	to	to	PART
easat-2929	7	7	investigate	investigate	VERB
easat-2929	7	8	the	the	DET
easat-2929	7	9	relationship	relationship	NOUN
easat-2929	7	10	between	between	ADP
easat-2929	7	11	customer	customer	NOUN
easat-2929	7	12	brand	brand	NOUN
easat-2929	7	13	loyalty	loyalty	NOUN
easat-2929	7	14	and	and	CCONJ
easat-2929	7	15	the	the	DET
easat-2929	7	16	considered	consider	VERB
easat-2929	7	17	cybercrime	cybercrime	NOUN
easat-2929	7	18	activities	activity	NOUN
easat-2929	7	19	.	.	PUNCT
easat-2929	8	1	the	the	DET
easat-2929	8	2	finding	finding	NOUN
easat-2929	8	3	identifies	identify	VERB
easat-2929	8	4	a	a	DET
easat-2929	8	5	strong	strong	ADJ
easat-2929	8	6	inverse	inverse	NOUN
easat-2929	8	7	association	association	NOUN
easat-2929	8	8	between	between	ADP
easat-2929	8	9	brand	brand	NOUN
easat-2929	8	10	loyalty	loyalty	NOUN
easat-2929	8	11	and	and	CCONJ
easat-2929	8	12	financial	financial	ADJ
easat-2929	8	13	losses	loss	NOUN
easat-2929	8	14	brought	bring	VERB
easat-2929	8	15	on	on	ADP
easat-2929	8	16	by	by	ADP
easat-2929	8	17	cybercrime	cybercrime	NOUN
easat-2929	8	18	.	.	PUNCT
easat-2929	9	1	also	also	ADV
easat-2929	9	2	,	,	PUNCT
easat-2929	9	3	the	the	DET
easat-2929	9	4	evidence	evidence	NOUN
easat-2929	9	5	shows	show	VERB
easat-2929	9	6	that	that	SCONJ
easat-2929	9	7	card	card	NOUN
easat-2929	9	8	theft	theft	NOUN
easat-2929	9	9	significantly	significantly	ADV
easat-2929	9	10	reduces	reduce	VERB
easat-2929	9	11	brand	brand	NOUN
easat-2929	9	12	loyalty	loyalty	NOUN
easat-2929	9	13	.	.	PUNCT
easat-2929	10	1	the	the	DET
easat-2929	10	2	study	study	NOUN
easat-2929	10	3	further	far	ADV
easat-2929	10	4	discovers	discover	VERB
easat-2929	10	5	that	that	SCONJ
easat-2929	10	6	recurring	recur	VERB
easat-2929	10	7	security	security	NOUN
easat-2929	10	8	vulnerabilities	vulnerability	NOUN
easat-2929	10	9	significantly	significantly	ADV
easat-2929	10	10	reduce	reduce	VERB
easat-2929	10	11	brand	brand	NOUN
easat-2929	10	12	loyalty	loyalty	NOUN
easat-2929	10	13	and	and	CCONJ
easat-2929	10	14	lastly	lastly	ADV
easat-2929	10	15	,	,	PUNCT
easat-2929	10	16	the	the	DET
easat-2929	10	17	paper	paper	NOUN
easat-2929	10	18	demonstrates	demonstrate	VERB
easat-2929	10	19	that	that	SCONJ
easat-2929	10	20	the	the	DET
easat-2929	10	21	most	most	ADV
easat-2929	10	22	notable	notable	ADJ
easat-2929	10	23	adverse	adverse	ADJ
easat-2929	10	24	effect	effect	NOUN
easat-2929	10	25	on	on	ADP
easat-2929	10	26	brand	brand	NOUN
easat-2929	10	27	loyalty	loyalty	NOUN
easat-2929	10	28	was	be	AUX
easat-2929	10	29	caused	cause	VERB
easat-2929	10	30	by	by	ADP
easat-2929	10	31	identity	identity	NOUN
easat-2929	10	32	theft	theft	NOUN
easat-2929	10	33	.	.	PUNCT
easat-2929	11	1	the	the	DET
easat-2929	11	2	study	study	NOUN
easat-2929	11	3	's	's	PART
easat-2929	11	4	conclusions	conclusion	NOUN
easat-2929	11	5	demonstrate	demonstrate	VERB
easat-2929	11	6	a	a	DET
easat-2929	11	7	strong	strong	ADJ
easat-2929	11	8	and	and	CCONJ
easat-2929	11	9	unfavourable	unfavourable	ADJ
easat-2929	11	10	correlation	correlation	NOUN
easat-2929	11	11	between	between	ADP
easat-2929	11	12	consumer	consumer	NOUN
easat-2929	11	13	brand	brand	NOUN
easat-2929	11	14	loyalty	loyalty	NOUN
easat-2929	11	15	and	and	CCONJ
easat-2929	11	16	cybercrime	cybercrime	NOUN
easat-2929	11	17	.	.	PUNCT
easat-2929	12	1	the	the	DET
easat-2929	12	2	article	article	NOUN
easat-2929	12	3	offers	offer	VERB
easat-2929	12	4	comprehensive	comprehensive	ADJ
easat-2929	12	5	recommendations	recommendation	NOUN
easat-2929	12	6	,	,	PUNCT
easat-2929	12	7	including	include	VERB
easat-2929	12	8	policies	policy	NOUN
easat-2929	12	9	,	,	PUNCT
easat-2929	12	10	strategies	strategy	NOUN
easat-2929	12	11	,	,	PUNCT
easat-2929	12	12	and	and	CCONJ
easat-2929	12	13	interventions	intervention	NOUN
easat-2929	12	14	that	that	PRON
easat-2929	12	15	show	show	VERB
easat-2929	12	16	how	how	SCONJ
easat-2929	12	17	cybercrime	cybercrime	NOUN
easat-2929	12	18	can	can	AUX
easat-2929	12	19	be	be	AUX
easat-2929	12	20	combated	combat	VERB
easat-2929	12	21	to	to	PART
easat-2929	12	22	reduce	reduce	VERB
easat-2929	12	23	the	the	DET
easat-2929	12	24	risk	risk	NOUN
easat-2929	12	25	of	of	ADP
easat-2929	12	26	thefts	theft	NOUN
easat-2929	12	27	in	in	ADP
easat-2929	12	28	the	the	DET
easat-2929	12	29	banking	banking	NOUN
easat-2929	12	30	sector	sector	NOUN
easat-2929	12	31	.	.	PUNCT
easat-2929	13	1	keywords	keyword	NOUN
easat-2929	13	2	:	:	PUNCT
easat-2929	13	3	cybercrime	cybercrime	NOUN
easat-2929	13	4	,	,	PUNCT
easat-2929	13	5	customers	customer	NOUN
easat-2929	13	6	brand	brand	NOUN
easat-2929	13	7	loyalty	loyalty	NOUN
easat-2929	13	8	,	,	PUNCT
easat-2929	13	9	deposit	deposit	VERB
easat-2929	13	10	money	money	NOUN
easat-2929	13	11	banks	bank	NOUN
easat-2929	13	12	.	.	PUNCT
easat-2929	14	1	1	1	X
easat-2929	14	2	.	.	X
easat-2929	14	3	introduction	introduction	NOUN
easat-2929	14	4	the	the	DET
easat-2929	14	5	banking	banking	NOUN
easat-2929	14	6	industry	industry	NOUN
easat-2929	14	7	,	,	PUNCT
easat-2929	14	8	which	which	PRON
easat-2929	14	9	operates	operate	VERB
easat-2929	14	10	in	in	ADP
easat-2929	14	11	a	a	DET
easat-2929	14	12	highly	highly	ADV
easat-2929	14	13	competitive	competitive	ADJ
easat-2929	14	14	and	and	CCONJ
easat-2929	14	15	complex	complex	ADJ
easat-2929	14	16	environment	environment	NOUN
easat-2929	14	17	,	,	PUNCT
easat-2929	14	18	has	have	AUX
easat-2929	14	19	realized	realize	VERB
easat-2929	14	20	the	the	DET
easat-2929	14	21	benefits	benefit	NOUN
easat-2929	14	22	of	of	ADP
easat-2929	14	23	providing	provide	VERB
easat-2929	14	24	its	its	PRON
easat-2929	14	25	consumers	consumer	NOUN
easat-2929	14	26	with	with	ADP
easat-2929	14	27	electronic	electronic	ADJ
easat-2929	14	28	banking	banking	NOUN
easat-2929	14	29	services	service	NOUN
easat-2929	14	30	and	and	CCONJ
easat-2929	14	31	products	product	NOUN
easat-2929	14	32	,	,	PUNCT
easat-2929	14	33	which	which	PRON
easat-2929	14	34	has	have	AUX
easat-2929	14	35	led	lead	VERB
easat-2929	14	36	to	to	ADP
easat-2929	14	37	a	a	DET
easat-2929	14	38	surge	surge	NOUN
easat-2929	14	39	in	in	ADP
easat-2929	14	40	popularity	popularity	NOUN
easat-2929	14	41	over	over	ADP
easat-2929	14	42	the	the	DET
easat-2929	14	43	past	past	ADJ
easat-2929	14	44	three	three	NUM
easat-2929	14	45	decades	decade	NOUN
easat-2929	14	46	.	.	PUNCT
easat-2929	15	1	the	the	DET
easat-2929	15	2	rapid	rapid	ADJ
easat-2929	15	3	technological	technological	ADJ
easat-2929	15	4	advancements	advancement	NOUN
easat-2929	15	5	have	have	AUX
easat-2929	15	6	revolutionized	revolutionize	VERB
easat-2929	15	7	the	the	DET
easat-2929	15	8	global	global	ADJ
easat-2929	15	9	banking	banking	NOUN
easat-2929	15	10	sector	sector	NOUN
easat-2929	15	11	by	by	ADP
easat-2929	15	12	enabling	enable	VERB
easat-2929	15	13	digital	digital	ADJ
easat-2929	15	14	platforms	platform	NOUN
easat-2929	15	15	to	to	PART
easat-2929	15	16	deliver	deliver	VERB
easat-2929	15	17	better	well	ADJ
easat-2929	15	18	services	service	NOUN
easat-2929	15	19	and	and	CCONJ
easat-2929	15	20	convenience	convenience	NOUN
easat-2929	15	21	.	.	PUNCT
easat-2929	16	1	to	to	PART
easat-2929	16	2	improve	improve	VERB
easat-2929	16	3	client	client	NOUN
easat-2929	16	4	satisfaction	satisfaction	NOUN
easat-2929	16	5	and	and	CCONJ
easat-2929	16	6	operational	operational	ADJ
easat-2929	16	7	effectiveness	effectiveness	NOUN
easat-2929	16	8	,	,	PUNCT
easat-2929	16	9	deposit	deposit	NOUN
easat-2929	16	10	money	money	NOUN
easat-2929	16	11	banks	bank	NOUN
easat-2929	16	12	(	(	PUNCT
easat-2929	16	13	dmbs	dmb	NOUN
easat-2929	16	14	)	)	PUNCT
easat-2929	16	15	have	have	AUX
easat-2929	16	16	embraced	embrace	VERB
easat-2929	16	17	technology	technology	NOUN
easat-2929	16	18	advancements	advancement	NOUN
easat-2929	16	19	.	.	PUNCT
easat-2929	17	1	the	the	DET
easat-2929	17	2	dmbs	dmb	NOUN
easat-2929	17	3	are	be	AUX
easat-2929	17	4	essential	essential	ADJ
easat-2929	17	5	to	to	ADP
easat-2929	17	6	the	the	DET
easat-2929	17	7	financial	financial	ADJ
easat-2929	17	8	system	system	NOUN
easat-2929	17	9	by	by	ADP
easat-2929	17	10	enabling	enable	VERB
easat-2929	17	11	payments	payment	NOUN
easat-2929	17	12	,	,	PUNCT
easat-2929	17	13	extending	extend	VERB
easat-2929	17	14	credit	credit	NOUN
easat-2929	17	15	,	,	PUNCT
easat-2929	17	16	and	and	CCONJ
easat-2929	17	17	mobilizing	mobilizing	NOUN
easat-2929	17	18	.	.	PUNCT
easat-2929	18	1	the	the	DET
easat-2929	18	2	embracement	embracement	NOUN
easat-2929	18	3	of	of	ADP
easat-2929	18	4	this	this	DET
easat-2929	18	5	technological	technological	ADJ
easat-2929	18	6	advancement	advancement	NOUN
easat-2929	18	7	in	in	ADP
easat-2929	18	8	the	the	DET
easat-2929	18	9	banking	banking	NOUN
easat-2929	18	10	sector	sector	NOUN
easat-2929	18	11	,	,	PUNCT
easat-2929	18	12	however	however	ADV
easat-2929	18	13	,	,	PUNCT
easat-2929	18	14	is	be	AUX
easat-2929	18	15	faced	face	VERB
easat-2929	18	16	with	with	ADP
easat-2929	18	17	several	several	ADJ
easat-2929	18	18	threats	threat	NOUN
easat-2929	18	19	of	of	ADP
easat-2929	18	20	cybercrimes	cybercrime	NOUN
easat-2929	18	21	(	(	PUNCT
easat-2929	18	22	dada	dada	PROPN
easat-2929	18	23	,	,	PUNCT
easat-2929	18	24	2020	2020	NUM
easat-2929	18	25	)	)	PUNCT
easat-2929	18	26	.	.	PUNCT
easat-2929	19	1	hacking	hack	VERB
easat-2929	19	2	is	be	AUX
easat-2929	19	3	thought	think	VERB
easat-2929	19	4	to	to	PART
easat-2929	19	5	have	have	AUX
easat-2929	19	6	served	serve	VERB
easat-2929	19	7	as	as	ADP
easat-2929	19	8	the	the	DET
easat-2929	19	9	precursor	precursor	NOUN
easat-2929	19	10	to	to	ADP
easat-2929	19	11	cybercrime	cybercrime	NOUN
easat-2929	19	12	in	in	ADP
easat-2929	19	13	the	the	DET
easat-2929	19	14	1960s	1960	NOUN
easat-2929	19	15	.	.	PUNCT
easat-2929	20	1	in	in	ADP
easat-2929	20	2	the	the	DET
easat-2929	20	3	1970s	1970	NOUN
easat-2929	20	4	,	,	PUNCT
easat-2929	20	5	privacy	privacy	NOUN
easat-2929	20	6	intrusions	intrusion	NOUN
easat-2929	20	7	,	,	PUNCT
easat-2929	20	8	phone	phone	NOUN
easat-2929	20	9	tapping	tapping	NOUN
easat-2929	20	10	,	,	PUNCT
easat-2929	20	11	trespassing	trespassing	NOUN
easat-2929	20	12	,	,	PUNCT
easat-2929	20	13	and	and	CCONJ
easat-2929	20	14	the	the	DET
easat-2929	20	15	dissemination	dissemination	NOUN
easat-2929	20	16	of	of	ADP
easat-2929	20	17	illicit	illicit	ADJ
easat-2929	20	18	materials	material	NOUN
easat-2929	20	19	came	come	VERB
easat-2929	20	20	after	after	ADP
easat-2929	20	21	this	this	PRON
easat-2929	20	22	.	.	PUNCT
easat-2929	21	1	viruses	virus	NOUN
easat-2929	21	2	first	first	ADV
easat-2929	21	3	appeared	appear	VERB
easat-2929	21	4	in	in	ADP
easat-2929	21	5	the	the	DET
easat-2929	21	6	1980s	1980s	NUM
easat-2929	21	7	.	.	PUNCT
easat-2929	22	1	the	the	DET
easat-2929	22	2	list	list	NOUN
easat-2929	22	3	of	of	ADP
easat-2929	22	4	illicit	illicit	ADJ
easat-2929	22	5	online	online	ADJ
easat-2929	22	6	exploits	exploit	NOUN
easat-2929	22	7	has	have	AUX
easat-2929	22	8	grown	grow	VERB
easat-2929	22	9	because	because	SCONJ
easat-2929	22	10	of	of	ADP
easat-2929	22	11	the	the	DET
easat-2929	22	12	rapid	rapid	ADJ
easat-2929	22	13	advancement	advancement	NOUN
easat-2929	22	14	of	of	ADP
easat-2929	22	15	ict	ict	PROPN
easat-2929	22	16	from	from	ADP
easat-2929	22	17	the	the	DET
easat-2929	22	18	1990s	1990	NOUN
easat-2929	22	19	and	and	CCONJ
easat-2929	22	20	into	into	ADP
easat-2929	22	21	the	the	DET
easat-2929	22	22	present	present	NOUN
easat-2929	22	23	.	.	PUNCT
easat-2929	23	1	the	the	DET
easat-2929	23	2	internet	internet	NOUN
easat-2929	23	3	is	be	AUX
easat-2929	23	4	now	now	ADV
easat-2929	23	5	a	a	DET
easat-2929	23	6	tool	tool	NOUN
easat-2929	23	7	for	for	ADP
easat-2929	23	8	global	global	ADJ
easat-2929	23	9	crimes	crime	NOUN
easat-2929	23	10	and	and	CCONJ
easat-2929	23	11	terrorism	terrorism	NOUN
easat-2929	23	12	,	,	PUNCT
easat-2929	23	13	as	as	ADV
easat-2929	23	14	well	well	ADV
easat-2929	23	15	as	as	ADP
easat-2929	23	16	espionage	espionage	NOUN
easat-2929	23	17	.	.	PUNCT
easat-2929	24	1	customers	customer	NOUN
easat-2929	24	2	and	and	CCONJ
easat-2929	24	3	online	online	ADJ
easat-2929	24	4	buyers	buyer	NOUN
easat-2929	24	5	run	run	VERB
easat-2929	24	6	a	a	DET
easat-2929	24	7	significant	significant	ADJ
easat-2929	24	8	danger	danger	NOUN
easat-2929	24	9	of	of	ADP
easat-2929	24	10	inadvertently	inadvertently	ADV
easat-2929	24	11	giving	give	VERB
easat-2929	24	12	their	their	PRON
easat-2929	24	13	personal	personal	ADJ
easat-2929	24	14	information	information	NOUN
easat-2929	24	15	to	to	ADP
easat-2929	24	16	scammers	scammer	NOUN
easat-2929	24	17	as	as	ADP
easat-2929	24	18	ebanking	ebanke	VERB
easat-2929	24	19	becomes	become	VERB
easat-2929	24	20	more	more	ADV
easat-2929	24	21	popular	popular	ADJ
easat-2929	24	22	.	.	PUNCT
easat-2929	25	1	after	after	ADP
easat-2929	25	2	obtaining	obtain	VERB
easat-2929	25	3	the	the	DET
easat-2929	25	4	personal	personal	ADJ
easat-2929	25	5	data	datum	NOUN
easat-2929	25	6	of	of	ADP
easat-2929	25	7	online	online	ADJ
easat-2929	25	8	shoppers	shopper	NOUN
easat-2929	25	9	,	,	PUNCT
easat-2929	25	10	hackers	hacker	NOUN
easat-2929	25	11	create	create	VERB
easat-2929	25	12	fictitious	fictitious	ADJ
easat-2929	25	13	credit	credit	NOUN
easat-2929	25	14	cards	card	NOUN
easat-2929	25	15	that	that	PRON
easat-2929	25	16	they	they	PRON
easat-2929	25	17	can	can	AUX
easat-2929	25	18	use	use	VERB
easat-2929	25	19	without	without	ADP
easat-2929	25	20	being	be	AUX
easat-2929	25	21	detected	detect	VERB
easat-2929	25	22	(	(	PUNCT
easat-2929	25	23	odulaja	odulaja	PROPN
easat-2929	25	24	,	,	PUNCT
easat-2929	25	25	2023	2023	NUM
easat-2929	25	26	)	)	PUNCT
easat-2929	25	27	.	.	PUNCT
easat-2929	26	1	recently	recently	ADV
easat-2929	26	2	,	,	PUNCT
easat-2929	26	3	economic	economic	ADJ
easat-2929	26	4	crime	crime	NOUN
easat-2929	26	5	has	have	AUX
easat-2929	26	6	shifted	shift	VERB
easat-2929	26	7	to	to	ADP
easat-2929	26	8	the	the	DET
easat-2929	26	9	digital	digital	ADJ
easat-2929	26	10	sphere	sphere	NOUN
easat-2929	26	11	due	due	ADP
easat-2929	26	12	to	to	ADP
easat-2929	26	13	the	the	DET
easat-2929	26	14	expanding	expand	VERB
easat-2929	26	15	nature	nature	NOUN
easat-2929	26	16	of	of	ADP
easat-2929	26	17	e	e	NOUN
easat-2929	26	18	-	-	NOUN
easat-2929	26	19	transactions	transaction	NOUN
easat-2929	26	20	and	and	CCONJ
easat-2929	26	21	e	e	NOUN
easat-2929	26	22	-	-	NOUN
easat-2929	26	23	commerce	commerce	PROPN
easat-2929	26	24	(	(	PUNCT
easat-2929	26	25	seema	seema	PROPN
easat-2929	26	26	,	,	PUNCT
easat-2929	26	27	2016	2016	NUM
easat-2929	26	28	)	)	PUNCT
easat-2929	26	29	.	.	PUNCT
easat-2929	27	1	the	the	DET
easat-2929	27	2	situation	situation	NOUN
easat-2929	27	3	is	be	AUX
easat-2929	27	4	becoming	become	VERB
easat-2929	27	5	endemic	endemic	ADJ
easat-2929	27	6	in	in	ADP
easat-2929	27	7	nigeria	nigeria	PROPN
easat-2929	27	8	,	,	PUNCT
easat-2929	27	9	as	as	SCONJ
easat-2929	27	10	many	many	ADJ
easat-2929	27	11	banks	bank	NOUN
easat-2929	27	12	and	and	CCONJ
easat-2929	27	13	their	their	PRON
easat-2929	27	14	clients	client	NOUN
easat-2929	27	15	have	have	AUX
easat-2929	27	16	been	be	AUX
easat-2929	27	17	reportedly	reportedly	ADV
easat-2929	27	18	faced	face	VERB
easat-2929	27	19	with	with	ADP
easat-2929	27	20	serious	serious	ADJ
easat-2929	27	21	and	and	CCONJ
easat-2929	27	22	multiple	multiple	ADJ
easat-2929	27	23	risks	risk	NOUN
easat-2929	27	24	from	from	ADP
easat-2929	27	25	cybercrimes	cybercrime	NOUN
easat-2929	27	26	.	.	PUNCT
easat-2929	28	1	nigeria	nigeria	PROPN
easat-2929	28	2	has	have	AUX
easat-2929	28	3	seen	see	VERB
easat-2929	28	4	a	a	DET
easat-2929	28	5	substantial	substantial	ADJ
easat-2929	28	6	rise	rise	NOUN
easat-2929	28	7	in	in	ADP
easat-2929	28	8	4282	4282	NUM
easat-2929	28	9	edelweiss	edelweiss	PROPN
easat-2929	28	10	applied	apply	VERB
easat-2929	28	11	science	science	NOUN
easat-2929	28	12	and	and	CCONJ
easat-2929	28	13	technology	technology	NOUN
easat-2929	28	14	issn	issn	PROPN
easat-2929	28	15	:	:	PUNCT
easat-2929	28	16	2576	2576	NUM
easat-2929	28	17	-	-	SYM
easat-2929	28	18	8484	8484	NUM
easat-2929	28	19	vol	vol	NOUN
easat-2929	28	20	.	.	PROPN
easat-2929	29	1	8	8	NUM
easat-2929	29	2	,	,	PUNCT
easat-2929	29	3	no	no	INTJ
easat-2929	29	4	.	.	NOUN
easat-2929	30	1	6	6	NUM
easat-2929	30	2	:	:	SYM
easat-2929	30	3	4281	4281	NUM
easat-2929	30	4	-	-	SYM
easat-2929	30	5	4290	4290	NUM
easat-2929	30	6	,	,	PUNCT
easat-2929	30	7	2024	2024	NUM
easat-2929	30	8	doi	doi	NOUN
easat-2929	30	9	:	:	PUNCT
easat-2929	30	10	10.55214/25768484.v8i6.2929	10.55214/25768484.v8i6.2929	NUM
easat-2929	31	1	©	©	PROPN
easat-2929	31	2	2024	2024	NUM
easat-2929	31	3	by	by	ADP
easat-2929	31	4	the	the	DET
easat-2929	31	5	authors	author	NOUN
easat-2929	31	6	;	;	PUNCT
easat-2929	31	7	licensee	licensee	PROPN
easat-2929	31	8	learning	learn	VERB
easat-2929	31	9	gate	gate	PROPN
easat-2929	31	10	cybercrime	cybercrime	NOUN
easat-2929	31	11	-	-	PUNCT
easat-2929	31	12	related	relate	VERB
easat-2929	31	13	cases	case	NOUN
easat-2929	31	14	in	in	ADP
easat-2929	31	15	recent	recent	ADJ
easat-2929	31	16	years	year	NOUN
easat-2929	31	17	.	.	PUNCT
easat-2929	32	1	according	accord	VERB
easat-2929	32	2	to	to	ADP
easat-2929	32	3	the	the	DET
easat-2929	32	4	economic	economic	ADJ
easat-2929	32	5	and	and	CCONJ
easat-2929	32	6	financial	financial	ADJ
easat-2929	32	7	crime	crime	NOUN
easat-2929	32	8	commission	commission	PROPN
easat-2929	32	9	(	(	PUNCT
easat-2929	32	10	2022	2022	NUM
easat-2929	32	11	)	)	PUNCT
easat-2929	32	12	,	,	PUNCT
easat-2929	32	13	cybercriminals	cybercriminal	NOUN
easat-2929	32	14	conspired	conspire	VERB
easat-2929	32	15	with	with	ADP
easat-2929	32	16	a	a	DET
easat-2929	32	17	bank	bank	NOUN
easat-2929	32	18	employee	employee	NOUN
easat-2929	32	19	to	to	PART
easat-2929	32	20	steal	steal	VERB
easat-2929	32	21	over	over	ADP
easat-2929	32	22	six	six	NUM
easat-2929	32	23	billion	billion	NUM
easat-2929	32	24	from	from	ADP
easat-2929	32	25	a	a	DET
easat-2929	32	26	nigerian	nigerian	ADJ
easat-2929	32	27	bank	bank	NOUN
easat-2929	32	28	.	.	PUNCT
easat-2929	33	1	dada	dada	PROPN
easat-2929	33	2	(	(	PUNCT
easat-2929	33	3	2020	2020	NUM
easat-2929	33	4	)	)	PUNCT
easat-2929	33	5	states	state	VERB
easat-2929	33	6	that	that	SCONJ
easat-2929	33	7	corporate	corporate	ADJ
easat-2929	33	8	executives	executive	NOUN
easat-2929	33	9	in	in	ADP
easat-2929	33	10	nigeria	nigeria	PROPN
easat-2929	33	11	and	and	CCONJ
easat-2929	33	12	other	other	ADJ
easat-2929	33	13	african	african	ADJ
easat-2929	33	14	countries	country	NOUN
easat-2929	33	15	are	be	AUX
easat-2929	33	16	very	very	ADV
easat-2929	33	17	concerned	concerned	ADJ
easat-2929	33	18	about	about	ADP
easat-2929	33	19	crime	crime	NOUN
easat-2929	33	20	and	and	CCONJ
easat-2929	33	21	corruption	corruption	NOUN
easat-2929	33	22	.	.	PUNCT
easat-2929	34	1	for	for	ADP
easat-2929	34	2	example	example	NOUN
easat-2929	34	3	,	,	PUNCT
easat-2929	34	4	crime	crime	NOUN
easat-2929	34	5	and	and	CCONJ
easat-2929	34	6	corruption	corruption	NOUN
easat-2929	34	7	,	,	PUNCT
easat-2929	34	8	which	which	PRON
easat-2929	34	9	account	account	VERB
easat-2929	34	10	for	for	ADP
easat-2929	34	11	75	75	NUM
easat-2929	34	12	%	%	NOUN
easat-2929	34	13	and	and	CCONJ
easat-2929	34	14	71	71	NUM
easat-2929	34	15	%	%	NOUN
easat-2929	34	16	of	of	ADP
easat-2929	34	17	all	all	DET
easat-2929	34	18	business	business	NOUN
easat-2929	34	19	-	-	PUNCT
easat-2929	34	20	related	relate	VERB
easat-2929	34	21	barriers	barrier	NOUN
easat-2929	34	22	in	in	ADP
easat-2929	34	23	nigeria	nigeria	PROPN
easat-2929	34	24	,	,	PUNCT
easat-2929	34	25	are	be	AUX
easat-2929	34	26	the	the	DET
easat-2929	34	27	biggest	big	ADJ
easat-2929	34	28	obstacles	obstacle	NOUN
easat-2929	34	29	to	to	ADP
easat-2929	34	30	economic	economic	ADJ
easat-2929	34	31	activity	activity	NOUN
easat-2929	34	32	and	and	CCONJ
easat-2929	34	33	enterprise	enterprise	NOUN
easat-2929	34	34	.	.	PUNCT
easat-2929	35	1	after	after	SCONJ
easat-2929	35	2	burglary	burglary	NOUN
easat-2929	35	3	,	,	PUNCT
easat-2929	35	4	theft	theft	NOUN
easat-2929	35	5	and	and	CCONJ
easat-2929	35	6	fraud	fraud	NOUN
easat-2929	35	7	rank	rank	NOUN
easat-2929	35	8	second	second	ADV
easat-2929	35	9	in	in	ADP
easat-2929	35	10	popularity	popularity	NOUN
easat-2929	35	11	(	(	PUNCT
easat-2929	35	12	efcc	efcc	NOUN
easat-2929	35	13	,	,	PUNCT
easat-2929	35	14	2009	2009	NUM
easat-2929	35	15	,	,	PUNCT
easat-2929	35	16	2010	2010	NUM
easat-2929	35	17	)	)	PUNCT
easat-2929	35	18	.	.	PUNCT
easat-2929	36	1	the	the	DET
easat-2929	36	2	activities	activity	NOUN
easat-2929	36	3	of	of	ADP
easat-2929	36	4	these	these	DET
easat-2929	36	5	crimes	crime	NOUN
easat-2929	36	6	can	can	AUX
easat-2929	36	7	damage	damage	VERB
easat-2929	36	8	their	their	PRON
easat-2929	36	9	brand	brand	NOUN
easat-2929	36	10	loyalty	loyalty	NOUN
easat-2929	36	11	and	and	CCONJ
easat-2929	36	12	trust	trust	NOUN
easat-2929	36	13	by	by	ADP
easat-2929	36	14	exposing	expose	VERB
easat-2929	36	15	them	they	PRON
easat-2929	36	16	to	to	ADP
easat-2929	36	17	financial	financial	ADJ
easat-2929	36	18	losses	loss	NOUN
easat-2929	36	19	from	from	ADP
easat-2929	36	20	fraud	fraud	NOUN
easat-2929	36	21	and	and	CCONJ
easat-2929	36	22	unauthorized	unauthorized	ADJ
easat-2929	36	23	transactions	transaction	NOUN
easat-2929	36	24	.	.	PUNCT
easat-2929	37	1	consistent	consistent	ADJ
easat-2929	37	2	security	security	NOUN
easat-2929	37	3	breaches	breach	NOUN
easat-2929	37	4	can	can	AUX
easat-2929	37	5	cause	cause	VERB
easat-2929	37	6	customers	customer	NOUN
easat-2929	37	7	to	to	PART
easat-2929	37	8	migrate	migrate	VERB
easat-2929	37	9	to	to	ADP
easat-2929	37	10	banks	bank	NOUN
easat-2929	37	11	they	they	PRON
easat-2929	37	12	believe	believe	VERB
easat-2929	37	13	to	to	PART
easat-2929	37	14	be	be	AUX
easat-2929	37	15	more	more	ADV
easat-2929	37	16	secure	secure	ADJ
easat-2929	37	17	,	,	PUNCT
easat-2929	37	18	eroding	erode	VERB
easat-2929	37	19	their	their	PRON
easat-2929	37	20	faith	faith	NOUN
easat-2929	37	21	in	in	ADP
easat-2929	37	22	banks	bank	NOUN
easat-2929	37	23	and	and	CCONJ
easat-2929	37	24	decreasing	decrease	VERB
easat-2929	37	25	their	their	PRON
easat-2929	37	26	confidence	confidence	NOUN
easat-2929	37	27	in	in	ADP
easat-2929	37	28	digital	digital	ADJ
easat-2929	37	29	banking	banking	NOUN
easat-2929	37	30	channels	channel	NOUN
easat-2929	37	31	.	.	PUNCT
easat-2929	38	1	due	due	ADP
easat-2929	38	2	to	to	ADP
easat-2929	38	3	increasing	increase	VERB
easat-2929	38	4	concern	concern	NOUN
easat-2929	38	5	about	about	ADP
easat-2929	38	6	the	the	DET
easat-2929	38	7	protection	protection	NOUN
easat-2929	38	8	of	of	ADP
easat-2929	38	9	personal	personal	ADJ
easat-2929	38	10	and	and	CCONJ
easat-2929	38	11	financial	financial	ADJ
easat-2929	38	12	information	information	NOUN
easat-2929	38	13	of	of	ADP
easat-2929	38	14	bank	bank	NOUN
easat-2929	38	15	customers	customer	NOUN
easat-2929	38	16	,	,	PUNCT
easat-2929	38	17	cybersecurity	cybersecurity	NOUN
easat-2929	38	18	has	have	AUX
easat-2929	38	19	become	become	VERB
easat-2929	38	20	a	a	DET
easat-2929	38	21	key	key	ADJ
easat-2929	38	22	factor	factor	NOUN
easat-2929	38	23	in	in	ADP
easat-2929	38	24	determining	determine	VERB
easat-2929	38	25	brand	brand	NOUN
easat-2929	38	26	loyalty	loyalty	NOUN
easat-2929	38	27	.	.	PUNCT
easat-2929	39	1	cybersecurity	cybersecurity	NOUN
easat-2929	39	2	has	have	AUX
easat-2929	39	3	become	become	VERB
easat-2929	39	4	more	more	ADV
easat-2929	39	5	important	important	ADJ
easat-2929	39	6	as	as	SCONJ
easat-2929	39	7	banks	bank	NOUN
easat-2929	39	8	depend	depend	VERB
easat-2929	39	9	more	more	ADV
easat-2929	39	10	and	and	CCONJ
easat-2929	39	11	more	more	ADJ
easat-2929	39	12	on	on	ADP
easat-2929	39	13	digital	digital	ADJ
easat-2929	39	14	platforms	platform	NOUN
easat-2929	39	15	to	to	PART
easat-2929	39	16	supply	supply	VERB
easat-2929	39	17	services	service	NOUN
easat-2929	39	18	,	,	PUNCT
easat-2929	39	19	raising	raise	VERB
easat-2929	39	20	the	the	DET
easat-2929	39	21	danger	danger	NOUN
easat-2929	39	22	of	of	ADP
easat-2929	39	23	cyberattacks	cyberattack	NOUN
easat-2929	39	24	.	.	PUNCT
easat-2929	40	1	the	the	DET
easat-2929	40	2	prevention	prevention	NOUN
easat-2929	40	3	of	of	ADP
easat-2929	40	4	this	this	DET
easat-2929	40	5	crimes	crime	NOUN
easat-2929	40	6	highlights	highlight	VERB
easat-2929	40	7	the	the	DET
easat-2929	40	8	need	need	NOUN
easat-2929	40	9	for	for	SCONJ
easat-2929	40	10	banks	bank	NOUN
easat-2929	40	11	to	to	PART
easat-2929	40	12	implement	implement	VERB
easat-2929	40	13	effective	effective	ADJ
easat-2929	40	14	controls	control	NOUN
easat-2929	40	15	to	to	PART
easat-2929	40	16	prevent	prevent	VERB
easat-2929	40	17	significant	significant	ADJ
easat-2929	40	18	losses	loss	NOUN
easat-2929	40	19	and	and	CCONJ
easat-2929	40	20	operational	operational	ADJ
easat-2929	40	21	risks	risk	NOUN
easat-2929	40	22	brought	bring	VERB
easat-2929	40	23	on	on	ADP
easat-2929	40	24	by	by	ADP
easat-2929	40	25	cybercriminals	cybercriminal	NOUN
easat-2929	40	26	'	'	PART
easat-2929	40	27	devious	devious	ADJ
easat-2929	40	28	activities	activity	NOUN
easat-2929	40	29	.	.	PUNCT
easat-2929	41	1	it	it	PRON
easat-2929	41	2	serves	serve	VERB
easat-2929	41	3	to	to	PART
easat-2929	41	4	uphold	uphold	VERB
easat-2929	41	5	public	public	ADJ
easat-2929	41	6	trust	trust	NOUN
easat-2929	41	7	in	in	ADP
easat-2929	41	8	deposit	deposit	NOUN
easat-2929	41	9	money	money	NOUN
easat-2929	41	10	banks	bank	NOUN
easat-2929	41	11	by	by	ADP
easat-2929	41	12	encouraging	encourage	VERB
easat-2929	41	13	bank	bank	NOUN
easat-2929	41	14	customers	customer	NOUN
easat-2929	41	15	to	to	PART
easat-2929	41	16	use	use	VERB
easat-2929	41	17	online	online	ADJ
easat-2929	41	18	banking	banking	NOUN
easat-2929	41	19	platforms	platform	NOUN
easat-2929	41	20	(	(	PUNCT
easat-2929	41	21	olayemi	olayemi	NOUN
easat-2929	41	22	,	,	PUNCT
easat-2929	41	23	2023	2023	NUM
easat-2929	41	24	)	)	PUNCT
easat-2929	41	25	.	.	PUNCT
easat-2929	42	1	despite	despite	SCONJ
easat-2929	42	2	the	the	DET
easat-2929	42	3	threat	threat	NOUN
easat-2929	42	4	that	that	SCONJ
easat-2929	42	5	the	the	DET
easat-2929	42	6	cybercrime	cybercrime	NOUN
easat-2929	42	7	menace	menace	NOUN
easat-2929	42	8	poses	pose	VERB
easat-2929	42	9	on	on	ADP
easat-2929	42	10	the	the	DET
easat-2929	42	11	financial	financial	ADJ
easat-2929	42	12	system	system	NOUN
easat-2929	42	13	in	in	ADP
easat-2929	42	14	nigeria	nigeria	PROPN
easat-2929	42	15	,	,	PUNCT
easat-2929	42	16	there	there	PRON
easat-2929	42	17	is	be	VERB
easat-2929	42	18	little	little	ADJ
easat-2929	42	19	research	research	NOUN
easat-2929	42	20	to	to	PART
easat-2929	42	21	demonstrate	demonstrate	VERB
easat-2929	42	22	how	how	SCONJ
easat-2929	42	23	the	the	DET
easat-2929	42	24	activities	activity	NOUN
easat-2929	42	25	of	of	ADP
easat-2929	42	26	cybercrime	cybercrime	NOUN
easat-2929	42	27	affect	affect	VERB
easat-2929	42	28	nigerian	nigerian	ADJ
easat-2929	42	29	bank	bank	PROPN
easat-2929	42	30	customers	customer	NOUN
easat-2929	42	31	'	'	PART
easat-2929	42	32	brand	brand	NOUN
easat-2929	42	33	loyalty	loyalty	NOUN
easat-2929	42	34	.	.	PUNCT
easat-2929	43	1	past	past	PROPN
easat-2929	43	2	literature	literature	NOUN
easat-2929	43	3	,	,	PUNCT
easat-2929	43	4	including	include	VERB
easat-2929	43	5	dada	dada	PROPN
easat-2929	43	6	(	(	PUNCT
easat-2929	43	7	2020	2020	NUM
easat-2929	43	8	)	)	PUNCT
easat-2929	43	9	,	,	PUNCT
easat-2929	43	10	akanji	akanji	X
easat-2929	43	11	(	(	PUNCT
easat-2929	43	12	2022	2022	NUM
easat-2929	43	13	)	)	PUNCT
easat-2929	43	14	,	,	PUNCT
easat-2929	43	15	ajibola	ajibola	PROPN
easat-2929	43	16	(	(	PUNCT
easat-2929	43	17	2023	2023	NUM
easat-2929	43	18	)	)	PUNCT
easat-2929	43	19	,	,	PUNCT
easat-2929	43	20	and	and	CCONJ
easat-2929	43	21	others	other	NOUN
easat-2929	43	22	,	,	PUNCT
easat-2929	43	23	that	that	PRON
easat-2929	43	24	investigated	investigate	VERB
easat-2929	43	25	the	the	DET
easat-2929	43	26	issue	issue	NOUN
easat-2929	43	27	of	of	ADP
easat-2929	43	28	cybercrime	cybercrime	NOUN
easat-2929	43	29	activities	activity	NOUN
easat-2929	43	30	and	and	CCONJ
easat-2929	43	31	its	its	PRON
easat-2929	43	32	effects	effect	NOUN
easat-2929	43	33	on	on	ADP
easat-2929	43	34	the	the	DET
easat-2929	43	35	banks	bank	NOUN
easat-2929	43	36	performance	performance	NOUN
easat-2929	43	37	in	in	ADP
easat-2929	43	38	nigeria	nigeria	PROPN
easat-2929	43	39	concentrated	concentrate	VERB
easat-2929	43	40	primarily	primarily	ADV
easat-2929	43	41	on	on	ADP
easat-2929	43	42	cybercrime	cybercrime	NOUN
easat-2929	43	43	threats	threat	NOUN
easat-2929	43	44	and	and	CCONJ
easat-2929	43	45	challenges	challenge	NOUN
easat-2929	43	46	to	to	ADP
easat-2929	43	47	financial	financial	ADJ
easat-2929	43	48	operations	operation	NOUN
easat-2929	43	49	,	,	PUNCT
easat-2929	43	50	considering	consider	VERB
easat-2929	43	51	the	the	DET
easat-2929	43	52	kinds	kind	NOUN
easat-2929	43	53	and	and	CCONJ
easat-2929	43	54	nature	nature	NOUN
easat-2929	43	55	of	of	ADP
easat-2929	43	56	cybercrime	cybercrime	NOUN
easat-2929	43	57	that	that	SCONJ
easat-2929	43	58	financial	financial	ADJ
easat-2929	43	59	service	service	NOUN
easat-2929	43	60	operators	operator	NOUN
easat-2929	43	61	face	face	VERB
easat-2929	43	62	.	.	PUNCT
easat-2929	44	1	this	this	DET
easat-2929	44	2	study	study	NOUN
easat-2929	44	3	closes	close	VERB
easat-2929	44	4	this	this	DET
easat-2929	44	5	gap	gap	NOUN
easat-2929	44	6	by	by	ADP
easat-2929	44	7	examining	examine	VERB
easat-2929	44	8	how	how	SCONJ
easat-2929	44	9	customer	customer	NOUN
easat-2929	44	10	brand	brand	NOUN
easat-2929	44	11	loyalty	loyalty	NOUN
easat-2929	44	12	is	be	AUX
easat-2929	44	13	impacted	impact	VERB
easat-2929	44	14	by	by	ADP
easat-2929	44	15	cybercrime	cybercrime	NOUN
easat-2929	44	16	activity	activity	NOUN
easat-2929	44	17	.	.	PUNCT
easat-2929	45	1	specifically	specifically	ADV
easat-2929	45	2	,	,	PUNCT
easat-2929	45	3	paper	paper	NOUN
easat-2929	45	4	attempts	attempt	NOUN
easat-2929	45	5	addressing	address	VERB
easat-2929	45	6	four	four	NUM
easat-2929	45	7	aims	aim	NOUN
easat-2929	45	8	,	,	PUNCT
easat-2929	45	9	including	include	VERB
easat-2929	45	10	(	(	PUNCT
easat-2929	45	11	i	i	NOUN
easat-2929	45	12	)	)	PUNCT
easat-2929	45	13	to	to	PART
easat-2929	45	14	examine	examine	VERB
easat-2929	45	15	that	that	DET
easat-2929	45	16	extent	extent	NOUN
easat-2929	45	17	at	at	ADP
easat-2929	45	18	which	which	PRON
easat-2929	45	19	financial	financial	ADJ
easat-2929	45	20	losses	loss	NOUN
easat-2929	45	21	to	to	ADP
easat-2929	45	22	cybercrime	cybercrime	NOUN
easat-2929	45	23	affect	affect	VERB
easat-2929	45	24	customer	customer	NOUN
easat-2929	45	25	brand	brand	NOUN
easat-2929	45	26	loyalty	loyalty	NOUN
easat-2929	45	27	(	(	PUNCT
easat-2929	45	28	ii	ii	NOUN
easat-2929	45	29	)	)	PUNCT
easat-2929	45	30	to	to	PART
easat-2929	45	31	investigate	investigate	VERB
easat-2929	45	32	the	the	DET
easat-2929	45	33	extent	extent	NOUN
easat-2929	45	34	that	that	PRON
easat-2929	45	35	card	card	NOUN
easat-2929	45	36	fraud	fraud	NOUN
easat-2929	45	37	by	by	ADP
easat-2929	45	38	cybercriminal	cybercriminal	ADJ
easat-2929	45	39	affect	affect	VERB
easat-2929	45	40	customer	customer	NOUN
easat-2929	45	41	brand	brand	NOUN
easat-2929	45	42	loyalty	loyalty	NOUN
easat-2929	45	43	,	,	PUNCT
easat-2929	45	44	(	(	PUNCT
easat-2929	45	45	iii	iii	NOUN
easat-2929	45	46	)	)	PUNCT
easat-2929	45	47	to	to	PART
easat-2929	45	48	understand	understand	VERB
easat-2929	45	49	how	how	SCONJ
easat-2929	45	50	persistent	persistent	ADJ
easat-2929	45	51	security	security	NOUN
easat-2929	45	52	breaches	breach	NOUN
easat-2929	45	53	by	by	ADP
easat-2929	45	54	cybercriminals	cybercriminal	NOUN
easat-2929	45	55	affect	affect	VERB
easat-2929	45	56	customer	customer	NOUN
easat-2929	45	57	brand	brand	NOUN
easat-2929	45	58	loyalty	loyalty	NOUN
easat-2929	45	59	and	and	CCONJ
easat-2929	45	60	lastly	lastly	ADV
easat-2929	45	61	,	,	PUNCT
easat-2929	45	62	(	(	PUNCT
easat-2929	45	63	iv	iv	X
easat-2929	45	64	)	)	PUNCT
easat-2929	45	65	to	to	PART
easat-2929	45	66	demonstrate	demonstrate	VERB
easat-2929	45	67	how	how	SCONJ
easat-2929	45	68	identity	identity	NOUN
easat-2929	45	69	thefts	theft	NOUN
easat-2929	45	70	by	by	ADP
easat-2929	45	71	cybercriminals	cybercriminal	NOUN
easat-2929	45	72	affect	affect	VERB
easat-2929	45	73	customer	customer	NOUN
easat-2929	45	74	brand	brand	NOUN
easat-2929	45	75	loyalty	loyalty	NOUN
easat-2929	45	76	.	.	PUNCT
easat-2929	46	1	in	in	ADP
easat-2929	46	2	attempting	attempt	VERB
easat-2929	46	3	these	these	PRON
easat-2929	46	4	to	to	PART
easat-2929	46	5	achieve	achieve	VERB
easat-2929	46	6	the	the	DET
easat-2929	46	7	study	study	NOUN
easat-2929	46	8	aims	aim	NOUN
easat-2929	46	9	,	,	PUNCT
easat-2929	46	10	the	the	DET
easat-2929	46	11	article	article	NOUN
easat-2929	46	12	considers	consider	VERB
easat-2929	46	13	a	a	DET
easat-2929	46	14	survey	survey	NOUN
easat-2929	46	15	-	-	PUNCT
easat-2929	46	16	based	base	VERB
easat-2929	46	17	approach	approach	NOUN
easat-2929	46	18	using	use	VERB
easat-2929	46	19	a	a	DET
easat-2929	46	20	closed	closed	ADJ
easat-2929	46	21	-	-	PUNCT
easat-2929	46	22	ended	end	VERB
easat-2929	46	23	questionnaire	questionnaire	NOUN
easat-2929	46	24	.	.	PUNCT
easat-2929	47	1	two	two	NUM
easat-2929	47	2	hundred	hundred	NUM
easat-2929	47	3	(	(	PUNCT
easat-2929	47	4	200	200	NUM
easat-2929	47	5	)	)	PUNCT
easat-2929	47	6	questionnaires	questionnaire	NOUN
easat-2929	47	7	and	and	CCONJ
easat-2929	47	8	participants	participant	NOUN
easat-2929	47	9	are	be	AUX
easat-2929	47	10	examined	examine	VERB
easat-2929	47	11	,	,	PUNCT
easat-2929	47	12	from	from	ADP
easat-2929	47	13	10	10	NUM
easat-2929	47	14	commercial	commercial	ADJ
easat-2929	47	15	banks	bank	NOUN
easat-2929	47	16	in	in	ADP
easat-2929	47	17	ibadan	ibadan	PROPN
easat-2929	47	18	metropolis	metropolis	PROPN
easat-2929	47	19	,	,	PUNCT
easat-2929	47	20	nigeria	nigeria	PROPN
easat-2929	47	21	.	.	PUNCT
easat-2929	48	1	the	the	DET
easat-2929	48	2	finding	finding	NOUN
easat-2929	48	3	identifies	identify	VERB
easat-2929	48	4	a	a	DET
easat-2929	48	5	strong	strong	ADJ
easat-2929	48	6	inverse	inverse	NOUN
easat-2929	48	7	association	association	NOUN
easat-2929	48	8	between	between	ADP
easat-2929	48	9	brand	brand	NOUN
easat-2929	48	10	loyalty	loyalty	NOUN
easat-2929	48	11	and	and	CCONJ
easat-2929	48	12	financial	financial	ADJ
easat-2929	48	13	losses	loss	NOUN
easat-2929	48	14	brought	bring	VERB
easat-2929	48	15	on	on	ADP
easat-2929	48	16	by	by	ADP
easat-2929	48	17	cybercrime	cybercrime	NOUN
easat-2929	48	18	.	.	PUNCT
easat-2929	49	1	also	also	ADV
easat-2929	49	2	,	,	PUNCT
easat-2929	49	3	the	the	DET
easat-2929	49	4	evidence	evidence	NOUN
easat-2929	49	5	shows	show	VERB
easat-2929	49	6	that	that	SCONJ
easat-2929	49	7	card	card	NOUN
easat-2929	49	8	theft	theft	NOUN
easat-2929	49	9	significantly	significantly	ADV
easat-2929	49	10	reduces	reduce	VERB
easat-2929	49	11	brand	brand	NOUN
easat-2929	49	12	loyalty	loyalty	NOUN
easat-2929	49	13	.	.	PUNCT
easat-2929	50	1	the	the	DET
easat-2929	50	2	study	study	NOUN
easat-2929	50	3	further	far	ADV
easat-2929	50	4	discovers	discover	VERB
easat-2929	50	5	that	that	SCONJ
easat-2929	50	6	recurring	recur	VERB
easat-2929	50	7	security	security	NOUN
easat-2929	50	8	vulnerabilities	vulnerability	NOUN
easat-2929	50	9	significantly	significantly	ADV
easat-2929	50	10	reduce	reduce	VERB
easat-2929	50	11	brand	brand	NOUN
easat-2929	50	12	loyalty	loyalty	NOUN
easat-2929	50	13	and	and	CCONJ
easat-2929	50	14	lastly	lastly	ADV
easat-2929	50	15	,	,	PUNCT
easat-2929	50	16	the	the	DET
easat-2929	50	17	paper	paper	NOUN
easat-2929	50	18	demonstrates	demonstrate	VERB
easat-2929	50	19	that	that	SCONJ
easat-2929	50	20	the	the	DET
easat-2929	50	21	most	most	ADV
easat-2929	50	22	notable	notable	ADJ
easat-2929	50	23	adverse	adverse	ADJ
easat-2929	50	24	effect	effect	NOUN
easat-2929	50	25	on	on	ADP
easat-2929	50	26	brand	brand	NOUN
easat-2929	50	27	loyalty	loyalty	NOUN
easat-2929	50	28	was	be	AUX
easat-2929	50	29	caused	cause	VERB
easat-2929	50	30	by	by	ADP
easat-2929	50	31	identity	identity	NOUN
easat-2929	50	32	theft	theft	NOUN
easat-2929	50	33	.	.	PUNCT
easat-2929	51	1	the	the	DET
easat-2929	51	2	article	article	NOUN
easat-2929	51	3	offers	offer	VERB
easat-2929	51	4	comprehensive	comprehensive	ADJ
easat-2929	51	5	recommendations	recommendation	NOUN
easat-2929	51	6	,	,	PUNCT
easat-2929	51	7	including	include	VERB
easat-2929	51	8	policies	policy	NOUN
easat-2929	51	9	,	,	PUNCT
easat-2929	51	10	strategies	strategy	NOUN
easat-2929	51	11	,	,	PUNCT
easat-2929	51	12	and	and	CCONJ
easat-2929	51	13	interventions	intervention	NOUN
easat-2929	51	14	that	that	PRON
easat-2929	51	15	show	show	VERB
easat-2929	51	16	how	how	SCONJ
easat-2929	51	17	cybercrime	cybercrime	NOUN
easat-2929	51	18	can	can	AUX
easat-2929	51	19	be	be	AUX
easat-2929	51	20	combated	combat	VERB
easat-2929	51	21	to	to	PART
easat-2929	51	22	reduce	reduce	VERB
easat-2929	51	23	the	the	DET
easat-2929	51	24	risk	risk	NOUN
easat-2929	51	25	of	of	ADP
easat-2929	51	26	thefts	theft	NOUN
easat-2929	51	27	in	in	ADP
easat-2929	51	28	the	the	DET
easat-2929	51	29	banking	banking	NOUN
easat-2929	51	30	sector	sector	NOUN
easat-2929	51	31	.	.	PUNCT
easat-2929	52	1	the	the	DET
easat-2929	52	2	study	study	NOUN
easat-2929	52	3	’s	’s	PART
easat-2929	52	4	remainder	remainder	NOUN
easat-2929	52	5	is	be	AUX
easat-2929	52	6	structured	structure	VERB
easat-2929	52	7	as	as	SCONJ
easat-2929	52	8	follows	follow	VERB
easat-2929	52	9	.	.	PUNCT
easat-2929	53	1	section	section	NOUN
easat-2929	53	2	2	2	NUM
easat-2929	53	3	,	,	PUNCT
easat-2929	53	4	3	3	NUM
easat-2929	53	5	,	,	PUNCT
easat-2929	53	6	4	4	NUM
easat-2929	53	7	,	,	PUNCT
easat-2929	53	8	and	and	CCONJ
easat-2929	53	9	5	5	NUM
easat-2929	53	10	,	,	PUNCT
easat-2929	53	11	respectively	respectively	ADV
easat-2929	53	12	,	,	PUNCT
easat-2929	53	13	shows	show	VERB
easat-2929	53	14	the	the	DET
easat-2929	53	15	literature	literature	NOUN
easat-2929	53	16	,	,	PUNCT
easat-2929	53	17	methods	method	NOUN
easat-2929	53	18	,	,	PUNCT
easat-2929	53	19	results	result	NOUN
easat-2929	53	20	and	and	CCONJ
easat-2929	53	21	conclusions	conclusion	NOUN
easat-2929	53	22	.	.	PUNCT
easat-2929	54	1	2	2	X
easat-2929	54	2	.	.	X
easat-2929	54	3	conceptual	conceptual	ADJ
easat-2929	54	4	review	review	NOUN
easat-2929	54	5	2.1	2.1	NUM
easat-2929	54	6	.	.	PUNCT
easat-2929	54	7	cybercrime	cybercrime	NOUN
easat-2929	54	8	and	and	CCONJ
easat-2929	54	9	financial	financial	ADJ
easat-2929	54	10	services	service	NOUN
easat-2929	54	11	sector	sector	NOUN
easat-2929	54	12	cybercrime	cybercrime	NOUN
easat-2929	54	13	includes	include	VERB
easat-2929	54	14	any	any	DET
easat-2929	54	15	unlawful	unlawful	ADJ
easat-2929	54	16	activity	activity	NOUN
easat-2929	54	17	carried	carry	VERB
easat-2929	54	18	out	out	ADP
easat-2929	54	19	via	via	ADP
easat-2929	54	20	digital	digital	ADJ
easat-2929	54	21	channels	channel	NOUN
easat-2929	54	22	,	,	PUNCT
easat-2929	54	23	including	include	VERB
easat-2929	54	24	online	online	ADJ
easat-2929	54	25	fraud	fraud	NOUN
easat-2929	54	26	,	,	PUNCT
easat-2929	54	27	phishing	phishing	NOUN
easat-2929	54	28	,	,	PUNCT
easat-2929	54	29	mail	mail	NOUN
easat-2929	54	30	hacking	hack	VERB
easat-2929	54	31	,	,	PUNCT
easat-2929	54	32	identity	identity	NOUN
easat-2929	54	33	theft	theft	NOUN
easat-2929	54	34	,	,	PUNCT
easat-2929	54	35	and	and	CCONJ
easat-2929	54	36	identity	identity	NOUN
easat-2929	54	37	theft	theft	NOUN
easat-2929	54	38	(	(	PUNCT
easat-2929	54	39	dada	dada	NOUN
easat-2929	54	40	,	,	PUNCT
easat-2929	54	41	2020	2020	NUM
easat-2929	54	42	)	)	PUNCT
easat-2929	54	43	.	.	PUNCT
easat-2929	55	1	they	they	PRON
easat-2929	55	2	are	be	AUX
easat-2929	55	3	any	any	DET
easat-2929	55	4	type	type	NOUN
easat-2929	55	5	of	of	ADP
easat-2929	55	6	misbehaviour	misbehaviour	NOUN
easat-2929	55	7	in	in	ADP
easat-2929	55	8	cyberspace	cyberspace	NOUN
easat-2929	55	9	(	(	PUNCT
easat-2929	55	10	odulaja	odulaja	PROPN
easat-2929	55	11	,	,	PUNCT
easat-2929	55	12	2022	2022	NUM
easat-2929	55	13	)	)	PUNCT
easat-2929	55	14	,	,	PUNCT
easat-2929	55	15	and	and	CCONJ
easat-2929	55	16	representing	represent	VERB
easat-2929	55	17	illicit	illicit	ADJ
easat-2929	55	18	activity	activity	NOUN
easat-2929	55	19	carried	carry	VERB
easat-2929	55	20	out	out	ADP
easat-2929	55	21	using	use	VERB
easat-2929	55	22	a	a	DET
easat-2929	55	23	computer	computer	NOUN
easat-2929	55	24	,	,	PUNCT
easat-2929	55	25	computer	computer	NOUN
easat-2929	55	26	resource	resource	NOUN
easat-2929	55	27	,	,	PUNCT
easat-2929	55	28	or	or	CCONJ
easat-2929	55	29	computer	computer	NOUN
easat-2929	55	30	network	network	NOUN
easat-2929	55	31	(	(	PUNCT
easat-2929	55	32	sanchi	sanchi	PROPN
easat-2929	55	33	,	,	PUNCT
easat-2929	55	34	2016	2016	NUM
easat-2929	55	35	)	)	PUNCT
easat-2929	55	36	.	.	PUNCT
easat-2929	56	1	raghavan	raghavan	PROPN
easat-2929	56	2	and	and	CCONJ
easat-2929	56	3	latha	latha	PROPN
easat-2929	56	4	(	(	PUNCT
easat-2929	56	5	2014	2014	NUM
easat-2929	56	6	)	)	PUNCT
easat-2929	56	7	consider	consider	VERB
easat-2929	56	8	cybercrime	cybercrime	NOUN
easat-2929	56	9	as	as	ADP
easat-2929	56	10	computer	computer	NOUN
easat-2929	56	11	-	-	PUNCT
easat-2929	56	12	mediated	mediate	VERB
easat-2929	56	13	actions	action	NOUN
easat-2929	56	14	carried	carry	VERB
easat-2929	56	15	out	out	ADP
easat-2929	56	16	via	via	ADP
easat-2929	56	17	international	international	ADJ
easat-2929	56	18	electronic	electronic	ADJ
easat-2929	56	19	networks	network	NOUN
easat-2929	56	20	that	that	PRON
easat-2929	56	21	are	be	AUX
easat-2929	56	22	either	either	CCONJ
easat-2929	56	23	illegal	illegal	ADJ
easat-2929	56	24	or	or	CCONJ
easat-2929	56	25	deemed	deem	VERB
easat-2929	56	26	illegitimate	illegitimate	ADJ
easat-2929	56	27	by	by	ADP
easat-2929	56	28	some	some	DET
easat-2929	56	29	parties	party	NOUN
easat-2929	56	30	.	.	PUNCT
easat-2929	57	1	dada	dada	NOUN
easat-2929	57	2	(	(	PUNCT
easat-2929	57	3	2020	2020	NUM
easat-2929	57	4	)	)	PUNCT
easat-2929	57	5	summed	sum	VERB
easat-2929	57	6	up	up	ADP
easat-2929	57	7	cybercrimes	cybercrime	NOUN
easat-2929	57	8	as	as	ADP
easat-2929	57	9	crimes	crime	NOUN
easat-2929	57	10	involving	involve	VERB
easat-2929	57	11	the	the	DET
easat-2929	57	12	use	use	NOUN
easat-2929	57	13	of	of	ADP
easat-2929	57	14	a	a	DET
easat-2929	57	15	computer	computer	NOUN
easat-2929	57	16	and	and	CCONJ
easat-2929	57	17	a	a	DET
easat-2929	57	18	network	network	NOUN
easat-2929	57	19	as	as	ADP
easat-2929	57	20	a	a	DET
easat-2929	57	21	target	target	NOUN
easat-2929	57	22	,	,	PUNCT
easat-2929	57	23	instrument	instrument	NOUN
easat-2929	57	24	,	,	PUNCT
easat-2929	57	25	channel	channel	NOUN
easat-2929	57	26	,	,	PUNCT
easat-2929	57	27	source	source	NOUN
easat-2929	57	28	,	,	PUNCT
easat-2929	57	29	or	or	CCONJ
easat-2929	57	30	location	location	NOUN
easat-2929	57	31	.	.	PUNCT
easat-2929	58	1	ankrah	ankrah	PROPN
easat-2929	58	2	(	(	PUNCT
easat-2929	58	3	2022	2022	NUM
easat-2929	58	4	)	)	PUNCT
easat-2929	58	5	claims	claim	VERB
easat-2929	58	6	that	that	SCONJ
easat-2929	58	7	computer	computer	NOUN
easat-2929	58	8	-	-	PUNCT
easat-2929	58	9	based	base	VERB
easat-2929	58	10	applications	application	NOUN
easat-2929	58	11	and	and	CCONJ
easat-2929	58	12	information	information	NOUN
easat-2929	58	13	technology	technology	NOUN
easat-2929	58	14	are	be	AUX
easat-2929	58	15	examples	example	NOUN
easat-2929	58	16	of	of	ADP
easat-2929	58	17	modern	modern	ADJ
easat-2929	58	18	banking	banking	NOUN
easat-2929	58	19	technology	technology	NOUN
easat-2929	58	20	.	.	PUNCT
easat-2929	59	1	convenience	convenience	NOUN
easat-2929	59	2	and	and	CCONJ
easat-2929	59	3	easy	easy	ADJ
easat-2929	59	4	access	access	NOUN
easat-2929	59	5	to	to	ADP
easat-2929	59	6	funds	fund	NOUN
easat-2929	59	7	and	and	CCONJ
easat-2929	59	8	account	account	NOUN
easat-2929	59	9	information	information	NOUN
easat-2929	59	10	are	be	AUX
easat-2929	59	11	two	two	NUM
easat-2929	59	12	of	of	ADP
easat-2929	59	13	the	the	DET
easat-2929	59	14	practical	practical	ADJ
easat-2929	59	15	goals	goal	NOUN
easat-2929	59	16	of	of	ADP
easat-2929	59	17	banking	banking	NOUN
easat-2929	59	18	from	from	ADP
easat-2929	59	19	the	the	DET
easat-2929	59	20	standpoint	standpoint	NOUN
easat-2929	59	21	of	of	ADP
easat-2929	59	22	the	the	DET
easat-2929	59	23	banking	banking	NOUN
easat-2929	59	24	consumer	consumer	NOUN
easat-2929	59	25	.	.	PUNCT
easat-2929	60	1	he	he	PRON
easat-2929	60	2	added	add	VERB
easat-2929	60	3	that	that	SCONJ
easat-2929	60	4	the	the	DET
easat-2929	60	5	4283	4283	NUM
easat-2929	60	6	edelweiss	edelweiss	PROPN
easat-2929	60	7	applied	apply	VERB
easat-2929	60	8	science	science	NOUN
easat-2929	60	9	and	and	CCONJ
easat-2929	60	10	technology	technology	NOUN
easat-2929	60	11	issn	issn	PROPN
easat-2929	60	12	:	:	PUNCT
easat-2929	60	13	2576	2576	NUM
easat-2929	60	14	-	-	SYM
easat-2929	60	15	8484	8484	NUM
easat-2929	60	16	vol	vol	NOUN
easat-2929	60	17	.	.	PROPN
easat-2929	60	18	8	8	NUM
easat-2929	60	19	,	,	PUNCT
easat-2929	60	20	no	no	INTJ
easat-2929	60	21	.	.	NOUN
easat-2929	60	22	6	6	NUM
easat-2929	60	23	:	:	SYM
easat-2929	60	24	4281	4281	NUM
easat-2929	60	25	-	-	SYM
easat-2929	60	26	4290	4290	NUM
easat-2929	60	27	,	,	PUNCT
easat-2929	60	28	2024	2024	NUM
easat-2929	60	29	doi	doi	NOUN
easat-2929	60	30	:	:	PUNCT
easat-2929	60	31	10.55214/25768484.v8i6.2929	10.55214/25768484.v8i6.2929	NUM
easat-2929	60	32	©	©	PROPN
easat-2929	60	33	2024	2024	NUM
easat-2929	60	34	by	by	ADP
easat-2929	60	35	the	the	DET
easat-2929	60	36	authors	author	NOUN
easat-2929	60	37	;	;	PUNCT
easat-2929	60	38	licensee	licensee	PROPN
easat-2929	60	39	learning	learn	VERB
easat-2929	60	40	gate	gate	PROPN
easat-2929	60	41	development	development	NOUN
easat-2929	60	42	of	of	ADP
easat-2929	60	43	technology	technology	NOUN
easat-2929	60	44	has	have	AUX
easat-2929	60	45	made	make	VERB
easat-2929	60	46	it	it	PRON
easat-2929	60	47	possible	possible	ADJ
easat-2929	60	48	to	to	PART
easat-2929	60	49	offer	offer	VERB
easat-2929	60	50	banking	banking	NOUN
easat-2929	60	51	services	service	NOUN
easat-2929	60	52	and	and	CCONJ
easat-2929	60	53	goods	good	NOUN
easat-2929	60	54	via	via	ADP
easat-2929	60	55	electronic	electronic	ADJ
easat-2929	60	56	channels	channel	NOUN
easat-2929	60	57	of	of	ADP
easat-2929	60	58	distribution	distribution	NOUN
easat-2929	60	59	,	,	PUNCT
easat-2929	60	60	or	or	CCONJ
easat-2929	60	61	e	e	NOUN
easat-2929	60	62	-	-	NOUN
easat-2929	60	63	banking	banking	NOUN
easat-2929	60	64	.	.	PUNCT
easat-2929	61	1	the	the	DET
easat-2929	61	2	practice	practice	NOUN
easat-2929	61	3	of	of	ADP
easat-2929	61	4	conducting	conduct	VERB
easat-2929	61	5	a	a	DET
easat-2929	61	6	bank	bank	NOUN
easat-2929	61	7	's	's	PART
easat-2929	61	8	business	business	NOUN
easat-2929	61	9	using	use	VERB
easat-2929	61	10	electronic	electronic	ADJ
easat-2929	61	11	devices	device	NOUN
easat-2929	61	12	is	be	AUX
easat-2929	61	13	known	know	VERB
easat-2929	61	14	as	as	ADP
easat-2929	61	15	electronic	electronic	ADJ
easat-2929	61	16	banking	banking	NOUN
easat-2929	61	17	.	.	PUNCT
easat-2929	62	1	ankrah	ankrah	PROPN
easat-2929	62	2	(	(	PUNCT
easat-2929	62	3	2022	2022	NUM
easat-2929	62	4	)	)	PUNCT
easat-2929	62	5	provided	provide	VERB
easat-2929	62	6	instances	instance	NOUN
easat-2929	62	7	of	of	ADP
easat-2929	62	8	electronic	electronic	ADJ
easat-2929	62	9	equipment	equipment	NOUN
easat-2929	62	10	in	in	ADP
easat-2929	62	11	use	use	NOUN
easat-2929	62	12	,	,	PUNCT
easat-2929	62	13	such	such	ADJ
easat-2929	62	14	as	as	ADP
easat-2929	62	15	computer	computer	NOUN
easat-2929	62	16	systems	system	NOUN
easat-2929	62	17	,	,	PUNCT
easat-2929	62	18	gsm	gsm	NOUN
easat-2929	62	19	phones	phone	NOUN
easat-2929	62	20	,	,	PUNCT
easat-2929	62	21	atms	atms	NOUN
easat-2929	62	22	,	,	PUNCT
easat-2929	62	23	internet	internet	NOUN
easat-2929	62	24	access	access	NOUN
easat-2929	62	25	points	point	NOUN
easat-2929	62	26	,	,	PUNCT
easat-2929	62	27	optical	optical	ADJ
easat-2929	62	28	character	character	NOUN
easat-2929	62	29	recognition	recognition	NOUN
easat-2929	62	30	(	(	PUNCT
easat-2929	62	31	ocr	ocr	PROPN
easat-2929	62	32	)	)	PUNCT
easat-2929	62	33	,	,	PUNCT
easat-2929	62	34	smart	smart	ADJ
easat-2929	62	35	cards	card	NOUN
easat-2929	62	36	,	,	PUNCT
easat-2929	62	37	and	and	CCONJ
easat-2929	62	38	automated	automate	VERB
easat-2929	62	39	teller	teller	NOUN
easat-2929	62	40	machines	machine	NOUN
easat-2929	62	41	(	(	PUNCT
easat-2929	62	42	atms).however	atms).however	NOUN
easat-2929	62	43	,	,	PUNCT
easat-2929	62	44	danquah	danquah	NOUN
easat-2929	62	45	(	(	PUNCT
easat-2929	62	46	2022	2022	NUM
easat-2929	62	47	)	)	PUNCT
easat-2929	62	48	pointed	point	VERB
easat-2929	62	49	out	out	ADP
easat-2929	62	50	that	that	SCONJ
easat-2929	62	51	the	the	DET
easat-2929	62	52	banking	banking	NOUN
easat-2929	62	53	sectors	sector	NOUN
easat-2929	62	54	'	'	PART
easat-2929	62	55	extensive	extensive	ADJ
easat-2929	62	56	use	use	NOUN
easat-2929	62	57	of	of	ADP
easat-2929	62	58	information	information	NOUN
easat-2929	62	59	technology	technology	NOUN
easat-2929	62	60	has	have	AUX
easat-2929	62	61	also	also	ADV
easat-2929	62	62	given	give	VERB
easat-2929	62	63	rise	rise	NOUN
easat-2929	62	64	to	to	ADP
easat-2929	62	65	new	new	ADJ
easat-2929	62	66	risks	risk	NOUN
easat-2929	62	67	and	and	CCONJ
easat-2929	62	68	attacks	attack	NOUN
easat-2929	62	69	,	,	PUNCT
easat-2929	62	70	primarily	primarily	ADV
easat-2929	62	71	in	in	ADP
easat-2929	62	72	the	the	DET
easat-2929	62	73	form	form	NOUN
easat-2929	62	74	of	of	ADP
easat-2929	62	75	computer	computer	NOUN
easat-2929	62	76	crimes	crime	NOUN
easat-2929	62	77	and	and	CCONJ
easat-2929	62	78	fraud	fraud	NOUN
easat-2929	62	79	.	.	PUNCT
easat-2929	63	1	with	with	ADP
easat-2929	63	2	its	its	PRON
easat-2929	63	3	ease	ease	NOUN
easat-2929	63	4	of	of	ADP
easat-2929	63	5	use	use	NOUN
easat-2929	63	6	and	and	CCONJ
easat-2929	63	7	accessibility	accessibility	NOUN
easat-2929	63	8	,	,	PUNCT
easat-2929	63	9	digital	digital	ADJ
easat-2929	63	10	banking	banking	NOUN
easat-2929	63	11	has	have	AUX
easat-2929	63	12	drastically	drastically	ADV
easat-2929	63	13	changed	change	VERB
easat-2929	63	14	the	the	DET
easat-2929	63	15	financial	financial	ADJ
easat-2929	63	16	services	service	NOUN
easat-2929	63	17	industry	industry	NOUN
easat-2929	63	18	.	.	PUNCT
easat-2929	64	1	customers	customer	NOUN
easat-2929	64	2	are	be	AUX
easat-2929	64	3	now	now	ADV
easat-2929	64	4	more	more	ADV
easat-2929	64	5	vulnerable	vulnerable	ADJ
easat-2929	64	6	to	to	ADP
easat-2929	64	7	the	the	DET
easat-2929	64	8	growing	grow	VERB
easat-2929	64	9	risk	risk	NOUN
easat-2929	64	10	of	of	ADP
easat-2929	64	11	cybercrime	cybercrime	NOUN
easat-2929	64	12	,	,	PUNCT
easat-2929	64	13	which	which	PRON
easat-2929	64	14	includes	include	VERB
easat-2929	64	15	identity	identity	NOUN
easat-2929	64	16	theft	theft	NOUN
easat-2929	64	17	,	,	PUNCT
easat-2929	64	18	card	card	NOUN
easat-2929	64	19	theft	theft	NOUN
easat-2929	64	20	,	,	PUNCT
easat-2929	64	21	continuous	continuous	ADJ
easat-2929	64	22	security	security	NOUN
easat-2929	64	23	breaches	breach	NOUN
easat-2929	64	24	,	,	PUNCT
easat-2929	64	25	and	and	CCONJ
easat-2929	64	26	financial	financial	ADJ
easat-2929	64	27	losses	loss	NOUN
easat-2929	64	28	.	.	PUNCT
easat-2929	65	1	these	these	DET
easat-2929	65	2	online	online	ADJ
easat-2929	65	3	dangers	danger	NOUN
easat-2929	65	4	have	have	VERB
easat-2929	65	5	the	the	DET
easat-2929	65	6	potential	potential	NOUN
easat-2929	65	7	to	to	PART
easat-2929	65	8	significantly	significantly	ADV
easat-2929	65	9	damage	damage	VERB
easat-2929	65	10	consumers	consumer	NOUN
easat-2929	65	11	'	'	PART
easat-2929	65	12	brand	brand	NOUN
easat-2929	65	13	loyalty	loyalty	NOUN
easat-2929	65	14	,	,	PUNCT
easat-2929	65	15	which	which	PRON
easat-2929	65	16	in	in	ADP
easat-2929	65	17	turn	turn	NOUN
easat-2929	65	18	has	have	VERB
easat-2929	65	19	an	an	DET
easat-2929	65	20	effect	effect	NOUN
easat-2929	65	21	on	on	ADP
easat-2929	65	22	deposit	deposit	NOUN
easat-2929	65	23	money	money	NOUN
easat-2929	65	24	banks	bank	NOUN
easat-2929	65	25	'	'	PART
easat-2929	65	26	overall	overall	ADJ
easat-2929	65	27	profitability	profitability	NOUN
easat-2929	65	28	.	.	PUNCT
easat-2929	66	1	odulaja	odulaja	PROPN
easat-2929	66	2	(	(	PUNCT
easat-2929	66	3	2023	2023	NUM
easat-2929	66	4	)	)	PUNCT
easat-2929	66	5	posit	posit	VERB
easat-2929	66	6	that	that	SCONJ
easat-2929	66	7	financial	financial	ADJ
easat-2929	66	8	losses	loss	NOUN
easat-2929	66	9	due	due	ADJ
easat-2929	66	10	to	to	ADP
easat-2929	66	11	cybercrime	cybercrime	NOUN
easat-2929	66	12	can	can	AUX
easat-2929	66	13	lead	lead	VERB
easat-2929	66	14	to	to	ADP
easat-2929	66	15	a	a	DET
easat-2929	66	16	decline	decline	NOUN
easat-2929	66	17	in	in	ADP
easat-2929	66	18	trust	trust	NOUN
easat-2929	66	19	and	and	CCONJ
easat-2929	66	20	confidence	confidence	NOUN
easat-2929	66	21	in	in	ADP
easat-2929	66	22	a	a	DET
easat-2929	66	23	bank	bank	NOUN
easat-2929	66	24	,	,	PUNCT
easat-2929	66	25	negatively	negatively	ADV
easat-2929	66	26	affecting	affect	VERB
easat-2929	66	27	customer	customer	NOUN
easat-2929	66	28	loyalty	loyalty	NOUN
easat-2929	66	29	.	.	PUNCT
easat-2929	67	1	customers	customer	NOUN
easat-2929	67	2	who	who	PRON
easat-2929	67	3	suffer	suffer	VERB
easat-2929	67	4	financial	financial	ADJ
easat-2929	67	5	losses	loss	NOUN
easat-2929	67	6	due	due	ADJ
easat-2929	67	7	to	to	ADP
easat-2929	67	8	cyber	cyber	NOUN
easat-2929	67	9	-	-	PUNCT
easat-2929	67	10	attacks	attack	NOUN
easat-2929	67	11	are	be	AUX
easat-2929	67	12	more	more	ADV
easat-2929	67	13	likely	likely	ADJ
easat-2929	67	14	to	to	PART
easat-2929	67	15	switch	switch	VERB
easat-2929	67	16	banks	bank	NOUN
easat-2929	67	17	or	or	CCONJ
easat-2929	67	18	reduce	reduce	VERB
easat-2929	67	19	their	their	PRON
easat-2929	67	20	engagement	engagement	NOUN
easat-2929	67	21	with	with	ADP
easat-2929	67	22	the	the	DET
easat-2929	67	23	affected	affected	ADJ
easat-2929	67	24	bank	bank	NOUN
easat-2929	67	25	.	.	PUNCT
easat-2929	68	1	ajibola	ajibola	PROPN
easat-2929	68	2	(	(	PUNCT
easat-2929	68	3	2023	2023	NUM
easat-2929	68	4	)	)	PUNCT
easat-2929	68	5	opined	opine	VERB
easat-2929	68	6	that	that	SCONJ
easat-2929	68	7	card	card	NOUN
easat-2929	68	8	theft	theft	NOUN
easat-2929	68	9	is	be	AUX
easat-2929	68	10	a	a	DET
easat-2929	68	11	prevalent	prevalent	ADJ
easat-2929	68	12	form	form	NOUN
easat-2929	68	13	of	of	ADP
easat-2929	68	14	cybercrime	cybercrime	NOUN
easat-2929	68	15	that	that	PRON
easat-2929	68	16	can	can	AUX
easat-2929	68	17	lead	lead	VERB
easat-2929	68	18	to	to	ADP
easat-2929	68	19	direct	direct	VERB
easat-2929	68	20	financial	financial	ADJ
easat-2929	68	21	loss	loss	NOUN
easat-2929	68	22	and	and	CCONJ
easat-2929	68	23	inconvenience	inconvenience	NOUN
easat-2929	68	24	.	.	PUNCT
easat-2929	69	1	the	the	DET
easat-2929	69	2	frequency	frequency	NOUN
easat-2929	69	3	of	of	ADP
easat-2929	69	4	card	card	NOUN
easat-2929	69	5	theft	theft	NOUN
easat-2929	69	6	incidents	incident	NOUN
easat-2929	69	7	can	can	AUX
easat-2929	69	8	erode	erode	VERB
easat-2929	69	9	customers	customer	NOUN
easat-2929	69	10	'	'	PART
easat-2929	69	11	trust	trust	NOUN
easat-2929	69	12	in	in	ADP
easat-2929	69	13	a	a	DET
easat-2929	69	14	bank	bank	NOUN
easat-2929	69	15	's	's	PART
easat-2929	69	16	security	security	NOUN
easat-2929	69	17	measures	measure	NOUN
easat-2929	69	18	,	,	PUNCT
easat-2929	69	19	leading	lead	VERB
easat-2929	69	20	to	to	ADP
easat-2929	69	21	reduced	reduce	VERB
easat-2929	69	22	brand	brand	NOUN
easat-2929	69	23	loyalty	loyalty	NOUN
easat-2929	69	24	.	.	PUNCT
easat-2929	70	1	persistent	persistent	ADJ
easat-2929	70	2	security	security	NOUN
easat-2929	70	3	breaches	breach	NOUN
easat-2929	70	4	,	,	PUNCT
easat-2929	70	5	such	such	ADJ
easat-2929	70	6	as	as	ADP
easat-2929	70	7	unauthorized	unauthorized	ADJ
easat-2929	70	8	access	access	NOUN
easat-2929	70	9	to	to	ADP
easat-2929	70	10	customer	customer	NOUN
easat-2929	70	11	data	datum	NOUN
easat-2929	70	12	,	,	PUNCT
easat-2929	70	13	can	can	AUX
easat-2929	70	14	have	have	VERB
easat-2929	70	15	a	a	DET
easat-2929	70	16	lasting	last	VERB
easat-2929	70	17	impact	impact	NOUN
easat-2929	70	18	on	on	ADP
easat-2929	70	19	a	a	DET
easat-2929	70	20	bank	bank	NOUN
easat-2929	70	21	's	's	PART
easat-2929	70	22	reputation	reputation	NOUN
easat-2929	70	23	.	.	PUNCT
easat-2929	71	1	customers	customer	NOUN
easat-2929	71	2	may	may	AUX
easat-2929	71	3	perceive	perceive	VERB
easat-2929	71	4	these	these	DET
easat-2929	71	5	breaches	breach	NOUN
easat-2929	71	6	as	as	ADP
easat-2929	71	7	a	a	DET
easat-2929	71	8	sign	sign	NOUN
easat-2929	71	9	of	of	ADP
easat-2929	71	10	incompetence	incompetence	NOUN
easat-2929	71	11	or	or	CCONJ
easat-2929	71	12	negligence	negligence	NOUN
easat-2929	71	13	,	,	PUNCT
easat-2929	71	14	prompting	prompt	VERB
easat-2929	71	15	them	they	PRON
easat-2929	71	16	to	to	PART
easat-2929	71	17	switch	switch	VERB
easat-2929	71	18	to	to	ADP
easat-2929	71	19	more	more	ADV
easat-2929	71	20	secure	secure	ADJ
easat-2929	71	21	alternatives	alternative	NOUN
easat-2929	71	22	.	.	PUNCT
easat-2929	72	1	identity	identity	NOUN
easat-2929	72	2	theft	theft	NOUN
easat-2929	72	3	is	be	AUX
easat-2929	72	4	a	a	DET
easat-2929	72	5	severe	severe	ADJ
easat-2929	72	6	form	form	NOUN
easat-2929	72	7	of	of	ADP
easat-2929	72	8	cybercrime	cybercrime	NOUN
easat-2929	72	9	that	that	PRON
easat-2929	72	10	can	can	AUX
easat-2929	72	11	cause	cause	VERB
easat-2929	72	12	significant	significant	ADJ
easat-2929	72	13	financial	financial	ADJ
easat-2929	72	14	and	and	CCONJ
easat-2929	72	15	emotional	emotional	ADJ
easat-2929	72	16	harm	harm	NOUN
easat-2929	72	17	to	to	ADP
easat-2929	72	18	customers	customer	NOUN
easat-2929	72	19	(	(	PUNCT
easat-2929	72	20	imran,2022	imran,2022	NOUN
easat-2929	72	21	)	)	PUNCT
easat-2929	72	22	.	.	PUNCT
easat-2929	73	1	the	the	DET
easat-2929	73	2	long	long	ADJ
easat-2929	73	3	-	-	PUNCT
easat-2929	73	4	term	term	NOUN
easat-2929	73	5	consequences	consequence	NOUN
easat-2929	73	6	of	of	ADP
easat-2929	73	7	identity	identity	NOUN
easat-2929	73	8	theft	theft	NOUN
easat-2929	73	9	can	can	AUX
easat-2929	73	10	diminish	diminish	VERB
easat-2929	73	11	customers	customer	NOUN
easat-2929	73	12	'	'	PART
easat-2929	73	13	trust	trust	NOUN
easat-2929	73	14	in	in	ADP
easat-2929	73	15	a	a	DET
easat-2929	73	16	bank	bank	NOUN
easat-2929	73	17	,	,	PUNCT
easat-2929	73	18	leading	lead	VERB
easat-2929	73	19	to	to	ADP
easat-2929	73	20	a	a	DET
easat-2929	73	21	decline	decline	NOUN
easat-2929	73	22	in	in	ADP
easat-2929	73	23	brand	brand	NOUN
easat-2929	73	24	loyalty	loyalty	NOUN
easat-2929	73	25	.	.	PUNCT
easat-2929	74	1	2.2	2.2	NUM
easat-2929	74	2	.	.	PUNCT
easat-2929	75	1	empirical	empirical	ADJ
easat-2929	75	2	review	review	PROPN
easat-2929	75	3	wada	wada	PROPN
easat-2929	75	4	(	(	PUNCT
easat-2929	75	5	2021	2021	NUM
easat-2929	75	6	)	)	PUNCT
easat-2929	75	7	analyzed	analyze	VERB
easat-2929	75	8	the	the	DET
easat-2929	75	9	influence	influence	NOUN
easat-2929	75	10	of	of	ADP
easat-2929	75	11	electronic	electronic	ADJ
easat-2929	75	12	crime	crime	NOUN
easat-2929	75	13	on	on	ADP
easat-2929	75	14	the	the	DET
easat-2929	75	15	indian	indian	ADJ
easat-2929	75	16	banking	banking	NOUN
easat-2929	75	17	industry	industry	NOUN
easat-2929	75	18	.	.	PUNCT
easat-2929	76	1	it	it	PRON
easat-2929	76	2	became	become	VERB
easat-2929	76	3	clear	clear	ADJ
easat-2929	76	4	that	that	SCONJ
easat-2929	76	5	customers	customer	NOUN
easat-2929	76	6	are	be	AUX
easat-2929	76	7	worried	worried	ADJ
easat-2929	76	8	about	about	ADP
easat-2929	76	9	security	security	NOUN
easat-2929	76	10	.	.	PUNCT
easat-2929	77	1	the	the	DET
easat-2929	77	2	risks	risk	NOUN
easat-2929	77	3	associated	associate	VERB
easat-2929	77	4	with	with	ADP
easat-2929	77	5	identity	identity	NOUN
easat-2929	77	6	theft	theft	NOUN
easat-2929	77	7	,	,	PUNCT
easat-2929	77	8	pharming	pharme	VERB
easat-2929	77	9	,	,	PUNCT
easat-2929	77	10	and	and	CCONJ
easat-2929	77	11	deliberate	deliberate	ADJ
easat-2929	77	12	disclosures	disclosure	NOUN
easat-2929	77	13	of	of	ADP
easat-2929	77	14	personal	personal	ADJ
easat-2929	77	15	information	information	NOUN
easat-2929	77	16	are	be	AUX
easat-2929	77	17	especially	especially	ADV
easat-2929	77	18	concerning	concern	VERB
easat-2929	77	19	.	.	PUNCT
easat-2929	78	1	the	the	DET
easat-2929	78	2	results	result	NOUN
easat-2929	78	3	of	of	ADP
easat-2929	78	4	the	the	DET
easat-2929	78	5	study	study	NOUN
easat-2929	78	6	showed	show	VERB
easat-2929	78	7	that	that	SCONJ
easat-2929	78	8	electronic	electronic	ADJ
easat-2929	78	9	crime	crime	NOUN
easat-2929	78	10	related	relate	VERB
easat-2929	78	11	to	to	ADP
easat-2929	78	12	banking	banking	NOUN
easat-2929	78	13	transactions	transaction	NOUN
easat-2929	78	14	can	can	AUX
easat-2929	78	15	be	be	AUX
easat-2929	78	16	reduced	reduce	VERB
easat-2929	78	17	by	by	ADP
easat-2929	78	18	using	use	VERB
easat-2929	78	19	updated	update	VERB
easat-2929	78	20	technology	technology	NOUN
easat-2929	78	21	and	and	CCONJ
easat-2929	78	22	assigning	assign	VERB
easat-2929	78	23	reliable	reliable	ADJ
easat-2929	78	24	staff	staff	NOUN
easat-2929	78	25	and	and	CCONJ
easat-2929	78	26	equipment	equipment	NOUN
easat-2929	78	27	.	.	PUNCT
easat-2929	79	1	consumers	consumer	NOUN
easat-2929	79	2	worry	worry	VERB
easat-2929	79	3	about	about	ADP
easat-2929	79	4	security	security	NOUN
easat-2929	79	5	;	;	PUNCT
easat-2929	79	6	deliberate	deliberate	ADJ
easat-2929	79	7	disclosures	disclosure	NOUN
easat-2929	79	8	of	of	ADP
easat-2929	79	9	personal	personal	ADJ
easat-2929	79	10	information	information	NOUN
easat-2929	79	11	,	,	PUNCT
easat-2929	79	12	including	include	VERB
easat-2929	79	13	identity	identity	NOUN
easat-2929	79	14	theft	theft	NOUN
easat-2929	79	15	,	,	PUNCT
easat-2929	79	16	and	and	CCONJ
easat-2929	79	17	threats	threat	NOUN
easat-2929	79	18	like	like	ADP
easat-2929	79	19	phishing	phishe	VERB
easat-2929	79	20	and	and	CCONJ
easat-2929	79	21	pharming	pharming	NOUN
easat-2929	79	22	are	be	AUX
easat-2929	79	23	of	of	ADP
easat-2929	79	24	particular	particular	ADJ
easat-2929	79	25	concern	concern	NOUN
easat-2929	79	26	.	.	PUNCT
easat-2929	80	1	the	the	DET
easat-2929	80	2	results	result	NOUN
easat-2929	80	3	of	of	ADP
easat-2929	80	4	the	the	DET
easat-2929	80	5	study	study	NOUN
easat-2929	80	6	showed	show	VERB
easat-2929	80	7	that	that	SCONJ
easat-2929	80	8	electronic	electronic	ADJ
easat-2929	80	9	crime	crime	NOUN
easat-2929	80	10	related	relate	VERB
easat-2929	80	11	to	to	ADP
easat-2929	80	12	banking	banking	NOUN
easat-2929	80	13	transactions	transaction	NOUN
easat-2929	80	14	can	can	AUX
easat-2929	80	15	be	be	AUX
easat-2929	80	16	reduced	reduce	VERB
easat-2929	80	17	by	by	ADP
easat-2929	80	18	using	use	VERB
easat-2929	80	19	updated	update	VERB
easat-2929	80	20	technology	technology	NOUN
easat-2929	80	21	and	and	CCONJ
easat-2929	80	22	assigning	assign	VERB
easat-2929	80	23	reliable	reliable	ADJ
easat-2929	80	24	staff	staff	NOUN
easat-2929	80	25	and	and	CCONJ
easat-2929	80	26	equipment	equipment	NOUN
easat-2929	80	27	.	.	PUNCT
easat-2929	81	1	imran	imran	PROPN
easat-2929	81	2	(	(	PUNCT
easat-2929	81	3	2022	2022	NUM
easat-2929	81	4	)	)	PUNCT
easat-2929	81	5	cybercrime	cybercrime	NOUN
easat-2929	81	6	has	have	AUX
easat-2929	81	7	been	be	AUX
easat-2929	81	8	shown	show	VERB
easat-2929	81	9	to	to	PART
easat-2929	81	10	have	have	VERB
easat-2929	81	11	several	several	ADJ
easat-2929	81	12	distinguishing	distinguish	VERB
easat-2929	81	13	features	feature	NOUN
easat-2929	81	14	,	,	PUNCT
easat-2929	81	15	such	such	ADJ
easat-2929	81	16	as	as	ADP
easat-2929	81	17	anonymity	anonymity	NOUN
easat-2929	81	18	,	,	PUNCT
easat-2929	81	19	worldwide	worldwide	ADV
easat-2929	81	20	reach	reach	VERB
easat-2929	81	21	,	,	PUNCT
easat-2929	81	22	the	the	DET
easat-2929	81	23	potential	potential	NOUN
easat-2929	81	24	for	for	ADP
easat-2929	81	25	widespread	widespread	ADJ
easat-2929	81	26	victimization	victimization	NOUN
easat-2929	81	27	,	,	PUNCT
easat-2929	81	28	jurisdictional	jurisdictional	ADJ
easat-2929	81	29	issues	issue	NOUN
easat-2929	81	30	,	,	PUNCT
easat-2929	81	31	and	and	CCONJ
easat-2929	81	32	uneven	uneven	ADJ
easat-2929	81	33	criminal	criminal	ADJ
easat-2929	81	34	laws	law	NOUN
easat-2929	81	35	.	.	PUNCT
easat-2929	82	1	the	the	DET
easat-2929	82	2	speed	speed	NOUN
easat-2929	82	3	at	at	ADP
easat-2929	82	4	which	which	PRON
easat-2929	82	5	crimes	crime	NOUN
easat-2929	82	6	are	be	AUX
easat-2929	82	7	committed	commit	VERB
easat-2929	82	8	,	,	PUNCT
easat-2929	82	9	within	within	ADP
easat-2929	82	10	electronic	electronic	ADJ
easat-2929	82	11	crime	crime	NOUN
easat-2929	82	12	,	,	PUNCT
easat-2929	82	13	there	there	PRON
easat-2929	82	14	is	be	VERB
easat-2929	82	15	a	a	DET
easat-2929	82	16	possibility	possibility	NOUN
easat-2929	82	17	for	for	ADP
easat-2929	82	18	the	the	DET
easat-2929	82	19	deliberate	deliberate	ADJ
easat-2929	82	20	exploitation	exploitation	NOUN
easat-2929	82	21	of	of	ADP
easat-2929	82	22	issues	issue	NOUN
easat-2929	82	23	,	,	PUNCT
easat-2929	82	24	differences	difference	NOUN
easat-2929	82	25	,	,	PUNCT
easat-2929	82	26	volatility	volatility	NOUN
easat-2929	82	27	,	,	PUNCT
easat-2929	82	28	and	and	CCONJ
easat-2929	82	29	dynamic	dynamic	ADJ
easat-2929	82	30	nature	nature	NOUN
easat-2929	82	31	.	.	PUNCT
easat-2929	83	1	shewangu	shewangu	NOUN
easat-2929	83	2	(	(	PUNCT
easat-2929	83	3	2022	2022	NUM
easat-2929	83	4	)	)	PUNCT
easat-2929	83	5	found	find	VERB
easat-2929	83	6	that	that	SCONJ
easat-2929	83	7	there	there	PRON
easat-2929	83	8	was	be	VERB
easat-2929	83	9	a	a	DET
easat-2929	83	10	negative	negative	ADJ
easat-2929	83	11	relationship	relationship	NOUN
easat-2929	83	12	between	between	ADP
easat-2929	83	13	the	the	DET
easat-2929	83	14	banking	banking	NOUN
easat-2929	83	15	industry	industry	NOUN
easat-2929	83	16	's	's	PART
easat-2929	83	17	performance	performance	NOUN
easat-2929	83	18	and	and	CCONJ
easat-2929	83	19	electronic	electronic	ADJ
easat-2929	83	20	fraud	fraud	NOUN
easat-2929	83	21	.	.	PUNCT
easat-2929	84	1	the	the	DET
easat-2929	84	2	author	author	NOUN
easat-2929	84	3	examines	examine	VERB
easat-2929	84	4	the	the	DET
easat-2929	84	5	various	various	ADJ
easat-2929	84	6	forms	form	NOUN
easat-2929	84	7	of	of	ADP
easat-2929	84	8	electronic	electronic	ADJ
easat-2929	84	9	fraud	fraud	NOUN
easat-2929	84	10	that	that	PRON
easat-2929	84	11	are	be	AUX
easat-2929	84	12	taking	take	VERB
easat-2929	84	13	place	place	NOUN
easat-2929	84	14	in	in	ADP
easat-2929	84	15	zimbabwe	zimbabwe	PROPN
easat-2929	84	16	's	's	PART
easat-2929	84	17	banking	banking	NOUN
easat-2929	84	18	industry	industry	NOUN
easat-2929	84	19	as	as	ADV
easat-2929	84	20	well	well	ADV
easat-2929	84	21	as	as	ADP
easat-2929	84	22	the	the	DET
easat-2929	84	23	challenges	challenge	NOUN
easat-2929	84	24	faced	face	VERB
easat-2929	84	25	in	in	ADP
easat-2929	84	26	attempting	attempt	VERB
easat-2929	84	27	to	to	PART
easat-2929	84	28	lower	lower	VERB
easat-2929	84	29	the	the	DET
easat-2929	84	30	risk	risk	NOUN
easat-2929	84	31	in	in	ADP
easat-2929	84	32	his	his	PRON
easat-2929	84	33	analysis	analysis	NOUN
easat-2929	84	34	of	of	ADP
easat-2929	84	35	the	the	DET
easat-2929	84	36	threat	threat	NOUN
easat-2929	84	37	posed	pose	VERB
easat-2929	84	38	by	by	ADP
easat-2929	84	39	this	this	DET
easat-2929	84	40	type	type	NOUN
easat-2929	84	41	of	of	ADP
easat-2929	84	42	fraud	fraud	NOUN
easat-2929	84	43	.	.	PUNCT
easat-2929	85	1	they	they	PRON
easat-2929	85	2	carried	carry	VERB
easat-2929	85	3	out	out	ADP
easat-2929	85	4	a	a	DET
easat-2929	85	5	descriptive	descriptive	ADJ
easat-2929	85	6	analysis	analysis	NOUN
easat-2929	85	7	of	of	ADP
easat-2929	85	8	the	the	DET
easat-2929	85	9	cyberfraud	cyberfraud	ADJ
easat-2929	85	10	phenomenon	phenomenon	NOUN
easat-2929	85	11	using	use	VERB
easat-2929	85	12	content	content	NOUN
easat-2929	85	13	analysis	analysis	NOUN
easat-2929	85	14	.	.	PUNCT
easat-2929	86	1	information	information	NOUN
easat-2929	86	2	was	be	AUX
easat-2929	86	3	gathered	gather	VERB
easat-2929	86	4	from	from	ADP
easat-2929	86	5	the	the	DET
easat-2929	86	6	selected	select	VERB
easat-2929	86	7	informants	informant	NOUN
easat-2929	86	8	from	from	ADP
easat-2929	86	9	22	22	NUM
easat-2929	86	10	banks	bank	NOUN
easat-2929	86	11	using	use	VERB
easat-2929	86	12	questionnaires	questionnaire	NOUN
easat-2929	86	13	and	and	CCONJ
easat-2929	86	14	interviews	interview	NOUN
easat-2929	86	15	.	.	PUNCT
easat-2929	87	1	convenience	convenience	NOUN
easat-2929	87	2	and	and	CCONJ
easat-2929	87	3	judgmental	judgmental	ADJ
easat-2929	87	4	sampling	sampling	NOUN
easat-2929	87	5	strategies	strategy	NOUN
easat-2929	87	6	were	be	AUX
easat-2929	87	7	used	use	VERB
easat-2929	87	8	.	.	PUNCT
easat-2929	88	1	it	it	PRON
easat-2929	88	2	was	be	AUX
easat-2929	88	3	shown	show	VERB
easat-2929	88	4	that	that	SCONJ
easat-2929	88	5	bank	bank	NOUN
easat-2929	88	6	staff	staff	NOUN
easat-2929	88	7	are	be	AUX
easat-2929	88	8	mostly	mostly	ADV
easat-2929	88	9	responsible	responsible	ADJ
easat-2929	88	10	for	for	ADP
easat-2929	88	11	the	the	DET
easat-2929	88	12	various	various	ADJ
easat-2929	88	13	types	type	NOUN
easat-2929	88	14	of	of	ADP
easat-2929	88	15	electronic	electronic	ADJ
easat-2929	88	16	fraud	fraud	NOUN
easat-2929	88	17	stated	state	VERB
easat-2929	88	18	.	.	PUNCT
easat-2929	89	1	concerns	concern	NOUN
easat-2929	89	2	included	include	VERB
easat-2929	89	3	a	a	DET
easat-2929	89	4	lack	lack	NOUN
easat-2929	89	5	of	of	ADP
easat-2929	89	6	resources	resource	NOUN
easat-2929	89	7	(	(	PUNCT
easat-2929	89	8	technology	technology	NOUN
easat-2929	89	9	and	and	CCONJ
easat-2929	89	10	detection	detection	NOUN
easat-2929	89	11	techniques	technique	NOUN
easat-2929	89	12	)	)	PUNCT
easat-2929	89	13	,	,	PUNCT
easat-2929	89	14	inadequate	inadequate	ADJ
easat-2929	89	15	cybercrime	cybercrime	NOUN
easat-2929	89	16	legislation	legislation	NOUN
easat-2929	89	17	,	,	PUNCT
easat-2929	89	18	and	and	CCONJ
easat-2929	89	19	a	a	DET
easat-2929	89	20	lack	lack	NOUN
easat-2929	89	21	of	of	ADP
easat-2929	89	22	awareness	awareness	NOUN
easat-2929	89	23	raised	raise	VERB
easat-2929	89	24	by	by	ADP
easat-2929	89	25	awareness	awareness	NOUN
easat-2929	89	26	campaigns	campaign	NOUN
easat-2929	89	27	and	and	CCONJ
easat-2929	89	28	educational	educational	ADJ
easat-2929	89	29	initiatives	initiative	NOUN
easat-2929	89	30	.	.	PUNCT
easat-2929	90	1	salami	salami	NOUN
easat-2929	90	2	(	(	PUNCT
easat-2929	90	3	2023	2023	NUM
easat-2929	90	4	)	)	PUNCT
easat-2929	90	5	key	key	ADJ
easat-2929	90	6	participants	participant	NOUN
easat-2929	90	7	and	and	CCONJ
easat-2929	90	8	features	feature	NOUN
easat-2929	90	9	in	in	ADP
easat-2929	90	10	another	another	DET
easat-2929	90	11	study	study	NOUN
easat-2929	90	12	that	that	PRON
easat-2929	90	13	is	be	AUX
easat-2929	90	14	based	base	VERB
easat-2929	90	15	on	on	ADP
easat-2929	90	16	a	a	DET
easat-2929	90	17	conceptual	conceptual	ADJ
easat-2929	90	18	model	model	NOUN
easat-2929	90	19	for	for	ADP
easat-2929	90	20	mitigating	mitigate	VERB
easat-2929	90	21	cyber	cyber	NOUN
easat-2929	90	22	-	-	PUNCT
easat-2929	90	23	banking	banking	NOUN
easat-2929	90	24	fraud	fraud	NOUN
easat-2929	90	25	risk	risk	NOUN
easat-2929	90	26	submission	submission	NOUN
easat-2929	90	27	include	include	VERB
easat-2929	90	28	e	e	NOUN
easat-2929	90	29	-	-	NOUN
easat-2929	90	30	fraud	fraud	NOUN
easat-2929	90	31	victims	victim	NOUN
easat-2929	90	32	,	,	PUNCT
easat-2929	90	33	fraudster(s	fraudster(s	NOUN
easat-2929	90	34	)	)	PUNCT
easat-2929	90	35	,	,	PUNCT
easat-2929	90	36	guardians	guardian	NOUN
easat-2929	90	37	(	(	PUNCT
easat-2929	90	38	banks	bank	NOUN
easat-2929	90	39	)	)	PUNCT
easat-2929	90	40	,	,	PUNCT
easat-2929	90	41	environmental	environmental	ADJ
easat-2929	90	42	conditions	condition	NOUN
easat-2929	90	43	,	,	PUNCT
easat-2929	90	44	and	and	CCONJ
easat-2929	90	45	fraud	fraud	NOUN
easat-2929	90	46	kinds	kind	NOUN
easat-2929	90	47	.	.	PUNCT
easat-2929	91	1	the	the	DET
easat-2929	91	2	study	study	NOUN
easat-2929	91	3	employs	employ	VERB
easat-2929	91	4	the	the	DET
easat-2929	91	5	ontological	ontological	ADJ
easat-2929	91	6	tradition	tradition	NOUN
easat-2929	91	7	,	,	PUNCT
easat-2929	91	8	emphasizing	emphasize	VERB
easat-2929	91	9	ideas	idea	NOUN
easat-2929	91	10	that	that	PRON
easat-2929	91	11	pinpoint	pinpoint	VERB
easat-2929	91	12	the	the	DET
easat-2929	91	13	fundamental	fundamental	ADJ
easat-2929	91	14	characteristics	characteristic	NOUN
easat-2929	91	15	of	of	ADP
easat-2929	91	16	the	the	DET
easat-2929	91	17	cyberfraud	cyberfraud	ADJ
easat-2929	91	18	risk	risk	NOUN
easat-2929	91	19	management	management	NOUN
easat-2929	91	20	phenomenon	phenomenon	NOUN
easat-2929	91	21	.	.	PUNCT
easat-2929	92	1	it	it	PRON
easat-2929	92	2	also	also	ADV
easat-2929	92	3	seeks	seek	VERB
easat-2929	92	4	to	to	PART
easat-2929	92	5	investigate	investigate	VERB
easat-2929	92	6	the	the	DET
easat-2929	92	7	perspectives	perspective	NOUN
easat-2929	92	8	of	of	ADP
easat-2929	92	9	the	the	DET
easat-2929	92	10	banking	banking	NOUN
easat-2929	92	11	sector	sector	NOUN
easat-2929	92	12	on	on	ADP
easat-2929	92	13	reality	reality	NOUN
easat-2929	92	14	.	.	PUNCT
easat-2929	93	1	to	to	PART
easat-2929	93	2	help	help	VERB
easat-2929	93	3	financial	financial	ADJ
easat-2929	93	4	institutions	institution	NOUN
easat-2929	93	5	4284	4284	NUM
easat-2929	93	6	edelweiss	edelweiss	PROPN
easat-2929	93	7	applied	apply	VERB
easat-2929	93	8	science	science	NOUN
easat-2929	93	9	and	and	CCONJ
easat-2929	93	10	technology	technology	NOUN
easat-2929	93	11	issn	issn	PROPN
easat-2929	93	12	:	:	PUNCT
easat-2929	93	13	2576	2576	NUM
easat-2929	93	14	-	-	SYM
easat-2929	93	15	8484	8484	NUM
easat-2929	93	16	vol	vol	NOUN
easat-2929	93	17	.	.	PROPN
easat-2929	94	1	8	8	NUM
easat-2929	94	2	,	,	PUNCT
easat-2929	94	3	no	no	INTJ
easat-2929	94	4	.	.	NOUN
easat-2929	95	1	6	6	NUM
easat-2929	95	2	:	:	SYM
easat-2929	95	3	4281	4281	NUM
easat-2929	95	4	-	-	SYM
easat-2929	95	5	4290	4290	NUM
easat-2929	95	6	,	,	PUNCT
easat-2929	95	7	2024	2024	NUM
easat-2929	95	8	doi	doi	NOUN
easat-2929	95	9	:	:	PUNCT
easat-2929	95	10	10.55214/25768484.v8i6.2929	10.55214/25768484.v8i6.2929	NUM
easat-2929	96	1	©	©	PROPN
easat-2929	96	2	2024	2024	NUM
easat-2929	96	3	by	by	ADP
easat-2929	96	4	the	the	DET
easat-2929	96	5	authors	author	NOUN
easat-2929	96	6	;	;	PUNCT
easat-2929	96	7	licensee	licensee	PROPN
easat-2929	96	8	learning	learning	NOUN
easat-2929	96	9	gate	gate	NOUN
easat-2929	96	10	mitigate	mitigate	VERB
easat-2929	96	11	cyber	cyber	NOUN
easat-2929	96	12	fraud	fraud	NOUN
easat-2929	96	13	risk	risk	NOUN
easat-2929	96	14	,	,	PUNCT
easat-2929	96	15	the	the	DET
easat-2929	96	16	paper	paper	NOUN
easat-2929	96	17	's	's	PART
easat-2929	96	18	conclusion	conclusion	NOUN
easat-2929	96	19	integrated	integrate	VERB
easat-2929	96	20	all	all	DET
easat-2929	96	21	relevant	relevant	ADJ
easat-2929	96	22	components	component	NOUN
easat-2929	96	23	of	of	ADP
easat-2929	96	24	cyber	cyber	PROPN
easat-2929	96	25	fraud	fraud	NOUN
easat-2929	96	26	risk	risk	NOUN
easat-2929	96	27	management	management	NOUN
easat-2929	96	28	into	into	ADP
easat-2929	96	29	a	a	DET
easat-2929	96	30	proposed	propose	VERB
easat-2929	96	31	model	model	NOUN
easat-2929	96	32	.	.	PUNCT
easat-2929	97	1	the	the	DET
easat-2929	97	2	model	model	NOUN
easat-2929	97	3	's	's	PART
easat-2929	97	4	development	development	NOUN
easat-2929	97	5	offers	offer	VERB
easat-2929	97	6	a	a	DET
easat-2929	97	7	fresh	fresh	ADJ
easat-2929	97	8	perspective	perspective	NOUN
easat-2929	97	9	on	on	ADP
easat-2929	97	10	the	the	DET
easat-2929	97	11	phenomenon	phenomenon	NOUN
easat-2929	97	12	of	of	ADP
easat-2929	97	13	cyber	cyber	PROPN
easat-2929	97	14	fraud	fraud	NOUN
easat-2929	97	15	risk	risk	NOUN
easat-2929	97	16	management	management	NOUN
easat-2929	97	17	because	because	SCONJ
easat-2929	97	18	it	it	PRON
easat-2929	97	19	demonstrates	demonstrate	VERB
easat-2929	97	20	a	a	DET
easat-2929	97	21	logical	logical	ADJ
easat-2929	97	22	extension	extension	NOUN
easat-2929	97	23	of	of	ADP
easat-2929	97	24	current	current	ADJ
easat-2929	97	25	knowledge	knowledge	NOUN
easat-2929	97	26	.	.	PUNCT
easat-2929	98	1	ishmael	ishmael	PROPN
easat-2929	98	2	,	,	PUNCT
easat-2929	98	3	et	et	PROPN
easat-2929	98	4	al	al	PROPN
easat-2929	98	5	.	.	PROPN
easat-2929	98	6	(	(	PUNCT
easat-2929	98	7	2023	2023	NUM
easat-2929	98	8	)	)	PUNCT
easat-2929	98	9	investigated	investigate	VERB
easat-2929	98	10	cybercrime	cybercrime	NOUN
easat-2929	98	11	as	as	ADP
easat-2929	98	12	a	a	DET
easat-2929	98	13	new	new	ADJ
easat-2929	98	14	danger	danger	NOUN
easat-2929	98	15	to	to	ADP
easat-2929	98	16	zimbabwe	zimbabwe	PROPN
easat-2929	98	17	's	's	PART
easat-2929	98	18	financial	financial	ADJ
easat-2929	98	19	services	service	NOUN
easat-2929	98	20	industry	industry	NOUN
easat-2929	98	21	.	.	PUNCT
easat-2929	99	1	in	in	ADP
easat-2929	99	2	particular	particular	ADJ
easat-2929	99	3	,	,	PUNCT
easat-2929	99	4	the	the	DET
easat-2929	99	5	study	study	NOUN
easat-2929	99	6	looked	look	VERB
easat-2929	99	7	into	into	ADP
easat-2929	99	8	the	the	DET
easat-2929	99	9	prevalence	prevalence	NOUN
easat-2929	99	10	of	of	ADP
easat-2929	99	11	cybercrime	cybercrime	NOUN
easat-2929	99	12	in	in	ADP
easat-2929	99	13	financial	financial	ADJ
easat-2929	99	14	institutions	institution	NOUN
easat-2929	99	15	.	.	PUNCT
easat-2929	100	1	the	the	DET
easat-2929	100	2	study	study	NOUN
easat-2929	100	3	employed	employ	VERB
easat-2929	100	4	stratified	stratify	VERB
easat-2929	100	5	random	random	ADJ
easat-2929	100	6	selection	selection	NOUN
easat-2929	100	7	and	and	CCONJ
easat-2929	100	8	purposive	purposive	NOUN
easat-2929	100	9	selection	selection	NOUN
easat-2929	100	10	techniques	technique	NOUN
easat-2929	100	11	to	to	PART
easat-2929	100	12	choose	choose	VERB
easat-2929	100	13	48	48	NUM
easat-2929	100	14	participants	participant	NOUN
easat-2929	100	15	from	from	ADP
easat-2929	100	16	four	four	NUM
easat-2929	100	17	commercial	commercial	ADJ
easat-2929	100	18	banks	bank	NOUN
easat-2929	100	19	.	.	PUNCT
easat-2929	101	1	the	the	DET
easat-2929	101	2	questionnaire	questionnaire	NOUN
easat-2929	101	3	and	and	CCONJ
easat-2929	101	4	in	in	ADP
easat-2929	101	5	-	-	PUNCT
easat-2929	101	6	depth	depth	NOUN
easat-2929	101	7	interviews	interview	NOUN
easat-2929	101	8	served	serve	VERB
easat-2929	101	9	as	as	ADP
easat-2929	101	10	the	the	DET
easat-2929	101	11	main	main	ADJ
easat-2929	101	12	research	research	NOUN
easat-2929	101	13	instruments	instrument	NOUN
easat-2929	101	14	.	.	PUNCT
easat-2929	102	1	the	the	DET
easat-2929	102	2	investigation	investigation	NOUN
easat-2929	102	3	found	find	VERB
easat-2929	102	4	that	that	SCONJ
easat-2929	102	5	among	among	ADP
easat-2929	102	6	the	the	DET
easat-2929	102	7	cybercrimes	cybercrime	NOUN
easat-2929	102	8	that	that	PRON
easat-2929	102	9	happen	happen	VERB
easat-2929	102	10	at	at	ADP
easat-2929	102	11	banks	bank	NOUN
easat-2929	102	12	are	be	AUX
easat-2929	102	13	malware	malware	NOUN
easat-2929	102	14	,	,	PUNCT
easat-2929	102	15	phishing	phishing	NOUN
easat-2929	102	16	,	,	PUNCT
easat-2929	102	17	identity	identity	NOUN
easat-2929	102	18	theft	theft	NOUN
easat-2929	102	19	,	,	PUNCT
easat-2929	102	20	and	and	CCONJ
easat-2929	102	21	hacking	hack	VERB
easat-2929	102	22	.	.	PUNCT
easat-2929	103	1	the	the	DET
easat-2929	103	2	researchers	researcher	NOUN
easat-2929	103	3	came	come	VERB
easat-2929	103	4	to	to	ADP
easat-2929	103	5	the	the	DET
easat-2929	103	6	conclusion	conclusion	NOUN
easat-2929	103	7	that	that	SCONJ
easat-2929	103	8	,	,	PUNCT
easat-2929	103	9	despite	despite	SCONJ
easat-2929	103	10	the	the	DET
easat-2929	103	11	fact	fact	NOUN
easat-2929	103	12	that	that	SCONJ
easat-2929	103	13	financial	financial	ADJ
easat-2929	103	14	institutions	institution	NOUN
easat-2929	103	15	are	be	AUX
easat-2929	103	16	putting	put	VERB
easat-2929	103	17	cyber	cyber	ADJ
easat-2929	103	18	security	security	NOUN
easat-2929	103	19	systems	system	NOUN
easat-2929	103	20	in	in	ADP
easat-2929	103	21	place	place	NOUN
easat-2929	103	22	to	to	PART
easat-2929	103	23	tackle	tackle	VERB
easat-2929	103	24	the	the	DET
easat-2929	103	25	issue	issue	NOUN
easat-2929	103	26	,	,	PUNCT
easat-2929	103	27	technological	technological	ADJ
easat-2929	103	28	innovation	innovation	NOUN
easat-2929	103	29	is	be	AUX
easat-2929	103	30	surpassing	surpass	VERB
easat-2929	103	31	the	the	DET
easat-2929	103	32	precautionary	precautionary	ADJ
easat-2929	103	33	steps	step	NOUN
easat-2929	103	34	.	.	PUNCT
easat-2929	104	1	inês	inês	PROPN
easat-2929	104	2	&	&	CCONJ
easat-2929	104	3	alexandra	alexandra	PROPN
easat-2929	104	4	(	(	PUNCT
easat-2929	104	5	2023	2023	NUM
easat-2929	104	6	)	)	PUNCT
easat-2929	104	7	in	in	ADP
easat-2929	104	8	their	their	PRON
easat-2929	104	9	paper	paper	NOUN
easat-2929	104	10	titled	title	VERB
easat-2929	104	11	cybercrime	cybercrime	NOUN
easat-2929	104	12	and	and	CCONJ
easat-2929	104	13	financial	financial	ADJ
easat-2929	104	14	institutions	institution	NOUN
easat-2929	104	15	:	:	PUNCT
easat-2929	104	16	opportunities	opportunity	NOUN
easat-2929	104	17	,	,	PUNCT
easat-2929	104	18	challenges	challenge	NOUN
easat-2929	104	19	,	,	PUNCT
easat-2929	104	20	and	and	CCONJ
easat-2929	104	21	threats	threat	NOUN
easat-2929	104	22	stated	state	VERB
easat-2929	104	23	that	that	SCONJ
easat-2929	104	24	the	the	DET
easat-2929	104	25	threats	threat	NOUN
easat-2929	104	26	that	that	PRON
easat-2929	104	27	cybercrime	cybercrime	NOUN
easat-2929	104	28	poses	pose	VERB
easat-2929	104	29	to	to	ADP
easat-2929	104	30	the	the	DET
easat-2929	104	31	global	global	ADJ
easat-2929	104	32	financial	financial	ADJ
easat-2929	104	33	system	system	NOUN
easat-2929	104	34	are	be	AUX
easat-2929	104	35	demonstrated	demonstrate	VERB
easat-2929	104	36	by	by	ADP
easat-2929	104	37	recent	recent	ADJ
easat-2929	104	38	high	high	ADJ
easat-2929	104	39	-	-	PUNCT
easat-2929	104	40	profile	profile	NOUN
easat-2929	104	41	incidents	incident	NOUN
easat-2929	104	42	of	of	ADP
easat-2929	104	43	financial	financial	ADJ
easat-2929	104	44	institutions	institution	NOUN
easat-2929	104	45	being	be	AUX
easat-2929	104	46	the	the	DET
easat-2929	104	47	target	target	NOUN
easat-2929	104	48	of	of	ADP
easat-2929	104	49	cybercriminals	cybercriminal	NOUN
easat-2929	104	50	,	,	PUNCT
easat-2929	104	51	such	such	ADJ
easat-2929	104	52	as	as	ADP
easat-2929	104	53	the	the	DET
easat-2929	104	54	attack	attack	NOUN
easat-2929	104	55	on	on	ADP
easat-2929	104	56	the	the	DET
easat-2929	104	57	bangladesh	bangladesh	PROPN
easat-2929	104	58	central	central	PROPN
easat-2929	104	59	bank	bank	PROPN
easat-2929	104	60	in	in	ADP
easat-2929	104	61	february	february	PROPN
easat-2929	104	62	2016	2016	NUM
easat-2929	104	63	that	that	PRON
easat-2929	104	64	resulted	result	VERB
easat-2929	104	65	in	in	ADP
easat-2929	104	66	a	a	DET
easat-2929	104	67	loss	loss	NOUN
easat-2929	104	68	of	of	ADP
easat-2929	104	69	$	$	SYM
easat-2929	104	70	81	81	NUM
easat-2929	104	71	million	million	NUM
easat-2929	104	72	.	.	PUNCT
easat-2929	105	1	two	two	NUM
easat-2929	105	2	categories	category	NOUN
easat-2929	105	3	of	of	ADP
easat-2929	105	4	cybercrime	cybercrime	NOUN
easat-2929	105	5	pose	pose	VERB
easat-2929	105	6	a	a	DET
easat-2929	105	7	threat	threat	NOUN
easat-2929	105	8	to	to	ADP
easat-2929	105	9	financial	financial	ADJ
easat-2929	105	10	institutions	institution	NOUN
easat-2929	105	11	,	,	PUNCT
easat-2929	105	12	according	accord	VERB
easat-2929	105	13	to	to	ADP
easat-2929	105	14	their	their	PRON
easat-2929	105	15	analysis	analysis	NOUN
easat-2929	105	16	.	.	PUNCT
easat-2929	106	1	hacking	hack	VERB
easat-2929	106	2	and	and	CCONJ
easat-2929	106	3	denial	denial	NOUN
easat-2929	106	4	-	-	PUNCT
easat-2929	106	5	of	of	ADP
easat-2929	106	6	-	-	PUNCT
easat-2929	106	7	service	service	NOUN
easat-2929	106	8	assaults	assault	NOUN
easat-2929	106	9	are	be	AUX
easat-2929	106	10	examples	example	NOUN
easat-2929	106	11	of	of	ADP
easat-2929	106	12	cyber	cyber	NOUN
easat-2929	106	13	-	-	PUNCT
easat-2929	106	14	dependent	dependent	ADJ
easat-2929	106	15	crimes	crime	NOUN
easat-2929	106	16	that	that	PRON
easat-2929	106	17	are	be	AUX
easat-2929	106	18	impossible	impossible	ADJ
easat-2929	106	19	to	to	PART
easat-2929	106	20	commit	commit	VERB
easat-2929	106	21	without	without	ADP
easat-2929	106	22	internet	internet	NOUN
easat-2929	106	23	access	access	NOUN
easat-2929	106	24	.	.	PUNCT
easat-2929	107	1	cyber	cyber	NOUN
easat-2929	107	2	-	-	PUNCT
easat-2929	107	3	assisted	assist	VERB
easat-2929	107	4	,	,	PUNCT
easat-2929	107	5	or	or	CCONJ
easat-2929	107	6	cyber	cyber	NOUN
easat-2929	107	7	-	-	PUNCT
easat-2929	107	8	enabled	enable	VERB
easat-2929	107	9	,	,	PUNCT
easat-2929	107	10	on	on	ADP
easat-2929	107	11	the	the	DET
easat-2929	107	12	other	other	ADJ
easat-2929	107	13	hand	hand	NOUN
easat-2929	107	14	,	,	PUNCT
easat-2929	107	15	crimes	crime	NOUN
easat-2929	107	16	are	be	AUX
easat-2929	107	17	traditional	traditional	ADJ
easat-2929	107	18	crimes	crime	NOUN
easat-2929	107	19	like	like	ADP
easat-2929	107	20	robbery	robbery	NOUN
easat-2929	107	21	,	,	PUNCT
easat-2929	107	22	extortion	extortion	NOUN
easat-2929	107	23	,	,	PUNCT
easat-2929	107	24	and	and	CCONJ
easat-2929	107	25	fraud	fraud	NOUN
easat-2929	107	26	that	that	PRON
easat-2929	107	27	are	be	AUX
easat-2929	107	28	made	make	VERB
easat-2929	107	29	easier	easy	ADJ
easat-2929	107	30	and	and	CCONJ
easat-2929	107	31	more	more	ADV
easat-2929	107	32	convenient	convenient	ADJ
easat-2929	107	33	by	by	ADP
easat-2929	107	34	technology	technology	NOUN
easat-2929	107	35	but	but	CCONJ
easat-2929	107	36	would	would	AUX
easat-2929	107	37	still	still	ADV
easat-2929	107	38	occur	occur	VERB
easat-2929	107	39	in	in	ADP
easat-2929	107	40	the	the	DET
easat-2929	107	41	absence	absence	NOUN
easat-2929	107	42	of	of	ADP
easat-2929	107	43	it	it	PRON
easat-2929	107	44	.	.	PUNCT
easat-2929	108	1	financial	financial	ADJ
easat-2929	108	2	organizations	organization	NOUN
easat-2929	108	3	must	must	AUX
easat-2929	108	4	have	have	VERB
easat-2929	108	5	plans	plan	NOUN
easat-2929	108	6	in	in	ADP
easat-2929	108	7	place	place	NOUN
easat-2929	108	8	that	that	PRON
easat-2929	108	9	enable	enable	VERB
easat-2929	108	10	them	they	PRON
easat-2929	108	11	to	to	PART
easat-2929	108	12	recognize	recognize	VERB
easat-2929	108	13	and	and	CCONJ
easat-2929	108	14	react	react	VERB
easat-2929	108	15	to	to	ADP
easat-2929	108	16	both	both	DET
easat-2929	108	17	kinds	kind	NOUN
easat-2929	108	18	of	of	ADP
easat-2929	108	19	threats	threat	NOUN
easat-2929	108	20	.	.	PUNCT
easat-2929	109	1	according	accord	VERB
easat-2929	109	2	to	to	ADP
easat-2929	109	3	the	the	DET
easat-2929	109	4	literature	literature	PROPN
easat-2929	109	5	review	review	PROPN
easat-2929	109	6	,	,	PUNCT
easat-2929	109	7	most	most	ADJ
easat-2929	109	8	researchers	researcher	NOUN
easat-2929	109	9	studying	study	VERB
easat-2929	109	10	cybercrime	cybercrime	NOUN
easat-2929	109	11	focus	focus	VERB
easat-2929	109	12	more	more	ADV
easat-2929	109	13	on	on	ADP
easat-2929	109	14	conceptual	conceptual	ADJ
easat-2929	109	15	modeling	modeling	NOUN
easat-2929	109	16	of	of	ADP
easat-2929	109	17	the	the	DET
easat-2929	109	18	phenomenon	phenomenon	NOUN
easat-2929	109	19	,	,	PUNCT
easat-2929	109	20	and	and	CCONJ
easat-2929	109	21	very	very	ADV
easat-2929	109	22	few	few	ADJ
easat-2929	109	23	of	of	ADP
easat-2929	109	24	these	these	DET
easat-2929	109	25	studies	study	NOUN
easat-2929	109	26	examine	examine	VERB
easat-2929	109	27	the	the	DET
easat-2929	109	28	theoretical	theoretical	ADJ
easat-2929	109	29	foundations	foundation	NOUN
easat-2929	109	30	of	of	ADP
easat-2929	109	31	cybercrime	cybercrime	NOUN
easat-2929	109	32	or	or	CCONJ
easat-2929	109	33	provide	provide	VERB
easat-2929	109	34	empirical	empirical	ADJ
easat-2929	109	35	analysis	analysis	NOUN
easat-2929	109	36	of	of	ADP
easat-2929	109	37	the	the	DET
easat-2929	109	38	detrimental	detrimental	ADJ
easat-2929	109	39	effects	effect	NOUN
easat-2929	109	40	cybercrime	cybercrime	NOUN
easat-2929	109	41	can	can	AUX
easat-2929	109	42	have	have	VERB
easat-2929	109	43	on	on	ADP
easat-2929	109	44	deposit	deposit	NOUN
easat-2929	109	45	money	money	NOUN
easat-2929	109	46	banks	bank	NOUN
easat-2929	109	47	'	'	PART
easat-2929	109	48	ability	ability	NOUN
easat-2929	109	49	to	to	PART
easat-2929	109	50	survive	survive	VERB
easat-2929	109	51	.	.	PUNCT
easat-2929	110	1	once	once	ADV
easat-2929	110	2	more	more	ADV
easat-2929	110	3	,	,	PUNCT
easat-2929	110	4	most	most	ADJ
easat-2929	110	5	of	of	ADP
easat-2929	110	6	these	these	DET
easat-2929	110	7	studies	study	NOUN
easat-2929	110	8	were	be	AUX
easat-2929	110	9	carried	carry	VERB
easat-2929	110	10	out	out	ADP
easat-2929	110	11	outside	outside	ADP
easat-2929	110	12	of	of	ADP
easat-2929	110	13	nigeria	nigeria	PROPN
easat-2929	110	14	,	,	PUNCT
easat-2929	110	15	which	which	PRON
easat-2929	110	16	is	be	AUX
easat-2929	110	17	not	not	PART
easat-2929	110	18	surprising	surprising	ADJ
easat-2929	110	19	given	give	VERB
easat-2929	110	20	that	that	SCONJ
easat-2929	110	21	the	the	DET
easat-2929	110	22	nation	nation	NOUN
easat-2929	110	23	has	have	AUX
easat-2929	110	24	reportedly	reportedly	ADV
easat-2929	110	25	lost	lose	VERB
easat-2929	110	26	billions	billion	NOUN
easat-2929	110	27	of	of	ADP
easat-2929	110	28	naira	naira	NUM
easat-2929	110	29	to	to	ADP
easat-2929	110	30	cybercrime	cybercrime	NOUN
easat-2929	110	31	,	,	PUNCT
easat-2929	110	32	with	with	ADP
easat-2929	110	33	its	its	PRON
easat-2929	110	34	financial	financial	ADJ
easat-2929	110	35	services	service	NOUN
easat-2929	110	36	industry	industry	NOUN
easat-2929	110	37	being	be	AUX
easat-2929	110	38	the	the	DET
easat-2929	110	39	main	main	ADJ
easat-2929	110	40	victim	victim	NOUN
easat-2929	110	41	.	.	PUNCT
easat-2929	111	1	this	this	DET
easat-2929	111	2	paper	paper	NOUN
easat-2929	111	3	provides	provide	VERB
easat-2929	111	4	an	an	DET
easat-2929	111	5	empirical	empirical	ADJ
easat-2929	111	6	analysis	analysis	NOUN
easat-2929	111	7	of	of	ADP
easat-2929	111	8	the	the	DET
easat-2929	111	9	hazards	hazard	NOUN
easat-2929	111	10	that	that	PRON
easat-2929	111	11	cybercrime	cybercrime	NOUN
easat-2929	111	12	poses	pose	VERB
easat-2929	111	13	to	to	PART
easat-2929	111	14	deposit	deposit	VERB
easat-2929	111	15	money	money	NOUN
easat-2929	111	16	banks	bank	NOUN
easat-2929	111	17	,	,	PUNCT
easat-2929	111	18	which	which	PRON
easat-2929	111	19	serves	serve	VERB
easat-2929	111	20	as	as	ADP
easat-2929	111	21	justification	justification	NOUN
easat-2929	111	22	for	for	ADP
easat-2929	111	23	the	the	DET
easat-2929	111	24	necessity	necessity	NOUN
easat-2929	111	25	of	of	ADP
easat-2929	111	26	controlling	control	VERB
easat-2929	111	27	cybercrime	cybercrime	NOUN
easat-2929	111	28	in	in	ADP
easat-2929	111	29	nigeria	nigeria	PROPN
easat-2929	111	30	's	's	PART
easat-2929	111	31	financial	financial	ADJ
easat-2929	111	32	services	service	NOUN
easat-2929	111	33	industry	industry	NOUN
easat-2929	111	34	.	.	PUNCT
easat-2929	112	1	3	3	X
easat-2929	112	2	.	.	X
easat-2929	112	3	methods	method	NOUN
easat-2929	112	4	this	this	DET
easat-2929	112	5	study	study	NOUN
easat-2929	112	6	uses	use	VERB
easat-2929	112	7	survey	survey	NOUN
easat-2929	112	8	-	-	PUNCT
easat-2929	112	9	based	base	VERB
easat-2929	112	10	research	research	NOUN
easat-2929	112	11	designed	design	VERB
easat-2929	112	12	.	.	PUNCT
easat-2929	113	1	using	use	VERB
easat-2929	113	2	closed	closed	ADJ
easat-2929	113	3	-	-	PUNCT
easat-2929	113	4	ended	end	VERB
easat-2929	113	5	questionnaire	questionnaire	NOUN
easat-2929	113	6	,	,	PUNCT
easat-2929	113	7	the	the	DET
easat-2929	113	8	data	datum	NOUN
easat-2929	113	9	are	be	AUX
easat-2929	113	10	sourced	source	VERB
easat-2929	113	11	from	from	ADP
easat-2929	113	12	respondents	respondent	NOUN
easat-2929	113	13	from	from	ADP
easat-2929	113	14	10	10	NUM
easat-2929	113	15	commercial	commercial	ADJ
easat-2929	113	16	banks	bank	NOUN
easat-2929	113	17	in	in	ADP
easat-2929	113	18	ibadan	ibadan	PROPN
easat-2929	113	19	metropolis	metropolis	PROPN
easat-2929	113	20	,	,	PUNCT
easat-2929	113	21	nigeria	nigeria	PROPN
easat-2929	113	22	.	.	PUNCT
easat-2929	114	1	the	the	DET
easat-2929	114	2	respondents	respondent	NOUN
easat-2929	114	3	are	be	AUX
easat-2929	114	4	grouped	group	VERB
easat-2929	114	5	into	into	ADP
easat-2929	114	6	strata	strata	NOUN
easat-2929	114	7	based	base	VERB
easat-2929	114	8	on	on	ADP
easat-2929	114	9	shared	share	VERB
easat-2929	114	10	features	feature	NOUN
easat-2929	114	11	,	,	PUNCT
easat-2929	114	12	according	accord	VERB
easat-2929	114	13	to	to	ADP
easat-2929	114	14	the	the	DET
easat-2929	114	15	stratified	stratified	ADJ
easat-2929	114	16	random	random	ADJ
easat-2929	114	17	sample	sample	NOUN
easat-2929	114	18	technique	technique	NOUN
easat-2929	114	19	.	.	PUNCT
easat-2929	115	1	the	the	DET
easat-2929	115	2	two	two	NUM
easat-2929	115	3	hundred	hundred	NUM
easat-2929	115	4	(	(	PUNCT
easat-2929	115	5	200	200	NUM
easat-2929	115	6	)	)	PUNCT
easat-2929	115	7	questionnaires	questionnaire	NOUN
easat-2929	115	8	in	in	ADP
easat-2929	115	9	total	total	NOUN
easat-2929	115	10	were	be	AUX
easat-2929	115	11	given	give	VERB
easat-2929	115	12	to	to	PART
easat-2929	115	13	study	study	VERB
easat-2929	115	14	participants	participant	NOUN
easat-2929	115	15	,	,	PUNCT
easat-2929	115	16	who	who	PRON
easat-2929	115	17	were	be	AUX
easat-2929	115	18	selected	select	VERB
easat-2929	115	19	from	from	ADP
easat-2929	115	20	the	the	DET
easat-2929	115	21	ten	ten	NUM
easat-2929	115	22	(	(	PUNCT
easat-2929	115	23	10	10	NUM
easat-2929	115	24	)	)	PUNCT
easat-2929	115	25	deposit	deposit	NOUN
easat-2929	115	26	money	money	NOUN
easat-2929	115	27	banks	bank	NOUN
easat-2929	115	28	(	(	PUNCT
easat-2929	115	29	dmbs	dmb	NOUN
easat-2929	115	30	)	)	PUNCT
easat-2929	115	31	.	.	PUNCT
easat-2929	116	1	of	of	ADP
easat-2929	116	2	these	these	PRON
easat-2929	116	3	,	,	PUNCT
easat-2929	116	4	one	one	NUM
easat-2929	116	5	hundred	hundred	NUM
easat-2929	116	6	and	and	CCONJ
easat-2929	116	7	seventy	seventy	NUM
easat-2929	116	8	-	-	PUNCT
easat-2929	116	9	six	six	NUM
easat-2929	116	10	(	(	PUNCT
easat-2929	116	11	176	176	NUM
easat-2929	116	12	)	)	PUNCT
easat-2929	116	13	questionnaires	questionnaire	NOUN
easat-2929	116	14	,	,	PUNCT
easat-2929	116	15	or	or	CCONJ
easat-2929	116	16	88	88	NUM
easat-2929	116	17	%	%	NOUN
easat-2929	116	18	of	of	ADP
easat-2929	116	19	the	the	DET
easat-2929	116	20	total	total	NOUN
easat-2929	116	21	,	,	PUNCT
easat-2929	116	22	were	be	AUX
easat-2929	116	23	returned	return	VERB
easat-2929	116	24	and	and	CCONJ
easat-2929	116	25	completed	complete	VERB
easat-2929	116	26	correctly	correctly	ADV
easat-2929	116	27	;	;	PUNCT
easat-2929	116	28	fifteen	fifteen	NUM
easat-2929	116	29	(	(	PUNCT
easat-2929	116	30	15	15	NUM
easat-2929	116	31	)	)	PUNCT
easat-2929	116	32	questionnaires	questionnaire	NOUN
easat-2929	116	33	,	,	PUNCT
easat-2929	116	34	or	or	CCONJ
easat-2929	116	35	7.5	7.5	NUM
easat-2929	116	36	%	%	NOUN
easat-2929	116	37	of	of	ADP
easat-2929	116	38	the	the	DET
easat-2929	116	39	total	total	NOUN
easat-2929	116	40	,	,	PUNCT
easat-2929	116	41	were	be	AUX
easat-2929	116	42	returned	return	VERB
easat-2929	116	43	but	but	CCONJ
easat-2929	116	44	not	not	PART
easat-2929	116	45	properly	properly	ADV
easat-2929	116	46	completed	complete	VERB
easat-2929	116	47	,	,	PUNCT
easat-2929	116	48	making	make	VERB
easat-2929	116	49	them	they	PRON
easat-2929	116	50	invalid	invalid	ADJ
easat-2929	116	51	;	;	PUNCT
easat-2929	116	52	and	and	CCONJ
easat-2929	116	53	nine	nine	NUM
easat-2929	116	54	(	(	PUNCT
easat-2929	116	55	9	9	NUM
easat-2929	116	56	)	)	PUNCT
easat-2929	116	57	questionnaires	questionnaire	NOUN
easat-2929	116	58	,	,	PUNCT
easat-2929	116	59	or	or	CCONJ
easat-2929	116	60	4.5	4.5	NUM
easat-2929	116	61	%	%	NOUN
easat-2929	116	62	of	of	ADP
easat-2929	116	63	the	the	DET
easat-2929	116	64	total	total	NOUN
easat-2929	116	65	,	,	PUNCT
easat-2929	116	66	were	be	AUX
easat-2929	116	67	not	not	PART
easat-2929	116	68	returned	return	VERB
easat-2929	116	69	.	.	PUNCT
easat-2929	117	1	the	the	DET
easat-2929	117	2	answers	answer	NOUN
easat-2929	117	3	from	from	ADP
easat-2929	117	4	the	the	DET
easat-2929	117	5	surveys	survey	NOUN
easat-2929	117	6	that	that	PRON
easat-2929	117	7	were	be	AUX
easat-2929	117	8	received	receive	VERB
easat-2929	117	9	served	serve	VERB
easat-2929	117	10	as	as	ADP
easat-2929	117	11	the	the	DET
easat-2929	117	12	basis	basis	NOUN
easat-2929	117	13	for	for	ADP
easat-2929	117	14	these	these	DET
easat-2929	117	15	analyses	analysis	NOUN
easat-2929	117	16	.	.	PUNCT
easat-2929	118	1	figure	figure	NOUN
easat-2929	118	2	2	2	NUM
easat-2929	118	3	above	above	ADV
easat-2929	118	4	showed	show	VERB
easat-2929	118	5	that	that	SCONJ
easat-2929	118	6	one	one	NUM
easat-2929	118	7	hundred	hundred	NUM
easat-2929	118	8	and	and	CCONJ
easat-2929	118	9	four	four	NUM
easat-2929	118	10	(	(	PUNCT
easat-2929	118	11	104	104	NUM
easat-2929	118	12	)	)	PUNCT
easat-2929	118	13	respondents	respondent	NOUN
easat-2929	118	14	,	,	PUNCT
easat-2929	118	15	or	or	CCONJ
easat-2929	118	16	59	59	NUM
easat-2929	118	17	%	%	NOUN
easat-2929	118	18	of	of	ADP
easat-2929	118	19	the	the	DET
easat-2929	118	20	total	total	ADJ
easat-2929	118	21	respondents	respondent	NOUN
easat-2929	118	22	,	,	PUNCT
easat-2929	118	23	are	be	AUX
easat-2929	118	24	male	male	ADJ
easat-2929	118	25	and	and	CCONJ
easat-2929	118	26	seventy	seventy	NUM
easat-2929	118	27	-	-	PUNCT
easat-2929	118	28	two	two	NUM
easat-2929	118	29	(	(	PUNCT
easat-2929	118	30	72	72	NUM
easat-2929	118	31	)	)	PUNCT
easat-2929	118	32	respondents	respondent	NOUN
easat-2929	118	33	,	,	PUNCT
easat-2929	118	34	or	or	CCONJ
easat-2929	118	35	41	41	NUM
easat-2929	118	36	%	%	NOUN
easat-2929	118	37	of	of	ADP
easat-2929	118	38	the	the	DET
easat-2929	118	39	total	total	ADJ
easat-2929	118	40	respondents	respondent	NOUN
easat-2929	118	41	,	,	PUNCT
easat-2929	118	42	are	be	AUX
easat-2929	118	43	female	female	ADJ
easat-2929	118	44	.	.	PUNCT
easat-2929	119	1	this	this	PRON
easat-2929	119	2	suggests	suggest	VERB
easat-2929	119	3	that	that	SCONJ
easat-2929	119	4	gender	gender	NOUN
easat-2929	119	5	is	be	AUX
easat-2929	119	6	a	a	DET
easat-2929	119	7	major	major	ADJ
easat-2929	119	8	factor	factor	NOUN
easat-2929	119	9	in	in	ADP
easat-2929	119	10	this	this	DET
easat-2929	119	11	research	research	NOUN
easat-2929	119	12	.	.	PUNCT
easat-2929	120	1	4285	4285	NUM
easat-2929	120	2	edelweiss	edelweiss	PROPN
easat-2929	120	3	applied	apply	VERB
easat-2929	120	4	science	science	NOUN
easat-2929	120	5	and	and	CCONJ
easat-2929	120	6	technology	technology	NOUN
easat-2929	120	7	issn	issn	PROPN
easat-2929	120	8	:	:	PUNCT
easat-2929	120	9	2576	2576	NUM
easat-2929	120	10	-	-	SYM
easat-2929	120	11	8484	8484	NUM
easat-2929	120	12	vol	vol	NOUN
easat-2929	120	13	.	.	PROPN
easat-2929	120	14	8	8	NUM
easat-2929	120	15	,	,	PUNCT
easat-2929	120	16	no	no	INTJ
easat-2929	120	17	.	.	NOUN
easat-2929	121	1	6	6	NUM
easat-2929	121	2	:	:	SYM
easat-2929	121	3	4281	4281	NUM
easat-2929	121	4	-	-	SYM
easat-2929	121	5	4290	4290	NUM
easat-2929	121	6	,	,	PUNCT
easat-2929	121	7	2024	2024	NUM
easat-2929	121	8	doi	doi	NOUN
easat-2929	121	9	:	:	PUNCT
easat-2929	121	10	10.55214/25768484.v8i6.2929	10.55214/25768484.v8i6.2929	NUM
easat-2929	122	1	©	©	PROPN
easat-2929	122	2	2024	2024	NUM
easat-2929	122	3	by	by	ADP
easat-2929	122	4	the	the	DET
easat-2929	122	5	authors	author	NOUN
easat-2929	122	6	;	;	PUNCT
easat-2929	122	7	licensee	licensee	PROPN
easat-2929	122	8	learning	learn	VERB
easat-2929	122	9	gate	gate	NOUN
easat-2929	122	10	figure	figure	NOUN
easat-2929	122	11	1	1	NUM
easat-2929	122	12	.	.	PUNCT
easat-2929	122	13	analysis	analysis	NOUN
easat-2929	122	14	of	of	ADP
easat-2929	122	15	response	response	NOUN
easat-2929	122	16	rate	rate	NOUN
easat-2929	122	17	.	.	PUNCT
easat-2929	123	1	figure	figure	NOUN
easat-2929	123	2	2	2	NUM
easat-2929	123	3	.	.	PUNCT
easat-2929	124	1	gender	gender	NOUN
easat-2929	124	2	distribution	distribution	NOUN
easat-2929	124	3	of	of	ADP
easat-2929	124	4	respondent	respondent	NOUN
easat-2929	124	5	.	.	PUNCT
easat-2929	125	1	to	to	ADP
easat-2929	125	2	showing	show	VERB
easat-2929	125	3	the	the	DET
easat-2929	125	4	relationship	relationship	NOUN
easat-2929	125	5	between	between	ADP
easat-2929	125	6	customer	customer	NOUN
easat-2929	125	7	brand	brand	NOUN
easat-2929	125	8	loyalty	loyalty	NOUN
easat-2929	125	9	and	and	CCONJ
easat-2929	125	10	the	the	DET
easat-2929	125	11	associated	associate	VERB
easat-2929	125	12	considered	consider	VERB
easat-2929	125	13	cybercrime	cybercrime	NOUN
easat-2929	125	14	activities	activity	NOUN
easat-2929	125	15	,	,	PUNCT
easat-2929	125	16	the	the	DET
easat-2929	125	17	lickert	lickert	ADJ
easat-2929	125	18	scale	scale	NOUN
easat-2929	125	19	of	of	ADP
easat-2929	125	20	responses	response	NOUN
easat-2929	125	21	represented	represent	VERB
easat-2929	125	22	on	on	ADP
easat-2929	125	23	the	the	DET
easat-2929	125	24	designed	design	VERB
easat-2929	125	25	questionnaire	questionnaire	NOUN
easat-2929	125	26	follows	follow	VERB
easat-2929	125	27	five	five	NUM
easat-2929	125	28	scales	scale	NOUN
easat-2929	125	29	involving	involve	VERB
easat-2929	125	30	,	,	PUNCT
easat-2929	125	31	strongly	strongly	ADV
easat-2929	125	32	agreed	agree	VERB
easat-2929	125	33	,	,	PUNCT
easat-2929	125	34	agreed	agree	VERB
easat-2929	125	35	,	,	PUNCT
easat-2929	125	36	indifference	indifference	NOUN
easat-2929	125	37	,	,	PUNCT
easat-2929	125	38	disagree	disagree	VERB
easat-2929	125	39	,	,	PUNCT
easat-2929	125	40	and	and	CCONJ
easat-2929	125	41	strongly	strongly	ADV
easat-2929	125	42	disagreed	disagree	VERB
easat-2929	125	43	,	,	PUNCT
easat-2929	125	44	which	which	PRON
easat-2929	125	45	respectively	respectively	ADV
easat-2929	125	46	are	be	AUX
easat-2929	125	47	coded	code	VERB
easat-2929	125	48	5	5	NUM
easat-2929	125	49	,	,	PUNCT
easat-2929	125	50	4	4	NUM
easat-2929	125	51	,	,	PUNCT
easat-2929	125	52	3	3	NUM
easat-2929	125	53	,	,	PUNCT
easat-2929	125	54	2	2	NUM
easat-2929	125	55	,	,	PUNCT
easat-2929	125	56	and	and	CCONJ
easat-2929	125	57	1	1	NUM
easat-2929	125	58	,	,	PUNCT
easat-2929	125	59	in	in	ADP
easat-2929	125	60	completing	complete	VERB
easat-2929	125	61	the	the	DET
easat-2929	125	62	empirical	empirical	ADJ
easat-2929	125	63	analysis	analysis	NOUN
easat-2929	125	64	,	,	PUNCT
easat-2929	125	65	the	the	DET
easat-2929	125	66	paper	paper	NOUN
easat-2929	125	67	determines	determine	VERB
easat-2929	125	68	the	the	DET
easat-2929	125	69	appropriateness	appropriateness	NOUN
easat-2929	125	70	of	of	ADP
easat-2929	125	71	the	the	DET
easat-2929	125	72	research	research	NOUN
easat-2929	125	73	instrument	instrument	NOUN
easat-2929	125	74	,	,	PUNCT
easat-2929	125	75	using	use	VERB
easat-2929	125	76	the	the	DET
easat-2929	125	77	cronbach	cronbach	NOUN
easat-2929	125	78	's	's	PART
easat-2929	125	79	alpha	alpha	NOUN
easat-2929	125	80	method	method	NOUN
easat-2929	125	81	.	.	PUNCT
easat-2929	126	1	afterward	afterward	ADV
easat-2929	126	2	,	,	PUNCT
easat-2929	126	3	a	a	DET
easat-2929	126	4	regression	regression	NOUN
easat-2929	126	5	analysis	analysis	NOUN
easat-2929	126	6	was	be	AUX
easat-2929	126	7	performed	perform	VERB
easat-2929	126	8	to	to	PART
easat-2929	126	9	investigate	investigate	VERB
easat-2929	126	10	the	the	DET
easat-2929	126	11	nature	nature	NOUN
easat-2929	126	12	and	and	CCONJ
easat-2929	126	13	strength	strength	NOUN
easat-2929	126	14	of	of	ADP
easat-2929	126	15	the	the	DET
easat-2929	126	16	relationship	relationship	NOUN
easat-2929	126	17	between	between	ADP
easat-2929	126	18	customer	customer	NOUN
easat-2929	126	19	brand	brand	NOUN
easat-2929	126	20	loyalty	loyalty	NOUN
easat-2929	126	21	and	and	CCONJ
easat-2929	126	22	the	the	DET
easat-2929	126	23	4286	4286	NUM
easat-2929	126	24	edelweiss	edelweiss	PROPN
easat-2929	126	25	applied	apply	VERB
easat-2929	126	26	science	science	NOUN
easat-2929	126	27	and	and	CCONJ
easat-2929	126	28	technology	technology	NOUN
easat-2929	126	29	issn	issn	PROPN
easat-2929	126	30	:	:	PUNCT
easat-2929	126	31	2576	2576	NUM
easat-2929	126	32	-	-	SYM
easat-2929	126	33	8484	8484	NUM
easat-2929	126	34	vol	vol	NOUN
easat-2929	126	35	.	.	PROPN
easat-2929	126	36	8	8	NUM
easat-2929	126	37	,	,	PUNCT
easat-2929	126	38	no	no	INTJ
easat-2929	126	39	.	.	NOUN
easat-2929	127	1	6	6	NUM
easat-2929	127	2	:	:	SYM
easat-2929	127	3	4281	4281	NUM
easat-2929	127	4	-	-	SYM
easat-2929	127	5	4290	4290	NUM
easat-2929	127	6	,	,	PUNCT
easat-2929	127	7	2024	2024	NUM
easat-2929	127	8	doi	doi	NOUN
easat-2929	127	9	:	:	PUNCT
easat-2929	127	10	10.55214/25768484.v8i6.2929	10.55214/25768484.v8i6.2929	NUM
easat-2929	128	1	©	©	PROPN
easat-2929	128	2	2024	2024	NUM
easat-2929	128	3	by	by	ADP
easat-2929	128	4	the	the	DET
easat-2929	128	5	authors	author	NOUN
easat-2929	128	6	;	;	PUNCT
easat-2929	128	7	licensee	licensee	PROPN
easat-2929	128	8	learning	learning	PROPN
easat-2929	128	9	gate	gate	PROPN
easat-2929	128	10	associated	associate	VERB
easat-2929	128	11	considered	consider	VERB
easat-2929	128	12	cybercrime	cybercrime	NOUN
easat-2929	128	13	activities	activity	NOUN
easat-2929	128	14	.	.	PUNCT
easat-2929	129	1	equation	equation	NOUN
easat-2929	129	2	1	1	NUM
easat-2929	129	3	(	(	PUNCT
easat-2929	129	4	functional	functional	ADJ
easat-2929	129	5	form	form	NOUN
easat-2929	129	6	)	)	PUNCT
easat-2929	129	7	and	and	CCONJ
easat-2929	129	8	equation	equation	NOUN
easat-2929	129	9	2	2	NUM
easat-2929	129	10	(	(	PUNCT
easat-2929	129	11	linear	linear	NOUN
easat-2929	129	12	form	form	NOUN
easat-2929	129	13	)	)	PUNCT
easat-2929	129	14	are	be	AUX
easat-2929	129	15	adopted	adopt	VERB
easat-2929	129	16	to	to	PART
easat-2929	129	17	show	show	VERB
easat-2929	129	18	the	the	DET
easat-2929	129	19	relationship	relationship	NOUN
easat-2929	129	20	between	between	ADP
easat-2929	129	21	the	the	DET
easat-2929	129	22	customer	customer	NOUN
easat-2929	129	23	brand	brand	NOUN
easat-2929	129	24	loyalty	loyalty	NOUN
easat-2929	129	25	and	and	CCONJ
easat-2929	129	26	the	the	DET
easat-2929	129	27	cybercrime	cybercrime	NOUN
easat-2929	129	28	activities	activity	NOUN
easat-2929	129	29	.	.	PUNCT
easat-2929	130	1	cbl𝑖	cbl𝑖	NOUN
easat-2929	130	2	=	=	PROPN
easat-2929	130	3	𝑓(fl𝑖	𝑓(fl𝑖	PROPN
easat-2929	130	4	,	,	PUNCT
easat-2929	130	5	cf𝑖	cf𝑖	NOUN
easat-2929	130	6	,	,	PUNCT
easat-2929	130	7	psb𝑖	psb𝑖	NOUN
easat-2929	130	8	,	,	PUNCT
easat-2929	130	9	it𝑖	it𝑖	NOUN
easat-2929	130	10	)	)	PUNCT
easat-2929	130	11	(	(	PUNCT
easat-2929	130	12	1	1	X
easat-2929	130	13	)	)	PUNCT
easat-2929	130	14	𝐶𝐵𝐿𝑖	𝐶𝐵𝐿𝑖	PROPN
easat-2929	130	15	=	=	SYM
easat-2929	131	1	β0	β0	PROPN
easat-2929	132	1	+	+	CCONJ
easat-2929	132	2	β1fl𝑖	β1fl𝑖	PROPN
easat-2929	133	1	+	+	NUM
easat-2929	133	2	β2cf𝑖	β2cf𝑖	NOUN
easat-2929	133	3	+	+	CCONJ
easat-2929	133	4	β3psb𝑖	β3psb𝑖	PROPN
easat-2929	133	5	+	+	CCONJ
easat-2929	133	6	β4it𝑖	β4it𝑖	PUNCT
easat-2929	134	1	+	+	CCONJ
easat-2929	134	2	μ𝑖	μ𝑖	ADJ
easat-2929	134	3	(	(	PUNCT
easat-2929	134	4	2	2	NUM
easat-2929	134	5	)	)	PUNCT
easat-2929	134	6	where	where	SCONJ
easat-2929	134	7	𝐶𝐵𝐿𝑖	𝐶𝐵𝐿𝑖	NOUN
easat-2929	134	8	,	,	PUNCT
easat-2929	134	9	the	the	DET
easat-2929	134	10	dependent	dependent	ADJ
easat-2929	134	11	variable	variable	NOUN
easat-2929	134	12	is	be	AUX
easat-2929	134	13	the	the	DET
easat-2929	134	14	customer	customer	NOUN
easat-2929	134	15	brand	brand	NOUN
easat-2929	134	16	loyalty	loyalty	NOUN
easat-2929	134	17	,	,	PUNCT
easat-2929	134	18	and	and	CCONJ
easat-2929	134	19	the	the	DET
easat-2929	134	20	cybercrime	cybercrime	NOUN
easat-2929	134	21	activities	activity	NOUN
easat-2929	134	22	,	,	PUNCT
easat-2929	134	23	indicated	indicate	VERB
easat-2929	134	24	by	by	ADP
easat-2929	134	25	the	the	DET
easat-2929	134	26	independent	independent	ADJ
easat-2929	134	27	variables	variable	NOUN
easat-2929	134	28	as	as	SCONJ
easat-2929	134	29	defined	define	VERB
easat-2929	134	30	in	in	ADP
easat-2929	134	31	(	(	PUNCT
easat-2929	134	32	1	1	NUM
easat-2929	134	33	)	)	PUNCT
easat-2929	134	34	and	and	CCONJ
easat-2929	134	35	(	(	PUNCT
easat-2929	134	36	2	2	NUM
easat-2929	134	37	)	)	PUNCT
easat-2929	134	38	,	,	PUNCT
easat-2929	134	39	include	include	VERB
easat-2929	134	40	financial	financial	ADJ
easat-2929	134	41	losses	loss	NOUN
easat-2929	134	42	(	(	PUNCT
easat-2929	134	43	fl𝑖	fl𝑖	NOUN
easat-2929	134	44	)	)	PUNCT
easat-2929	134	45	,	,	PUNCT
easat-2929	134	46	card	card	NOUN
easat-2929	134	47	fraud	fraud	NOUN
easat-2929	134	48	(	(	PUNCT
easat-2929	134	49	cf𝑖	cf𝑖	NOUN
easat-2929	134	50	)	)	PUNCT
easat-2929	134	51	,	,	PUNCT
easat-2929	134	52	persistent	persistent	ADJ
easat-2929	134	53	security	security	NOUN
easat-2929	134	54	breaches	breach	NOUN
easat-2929	134	55	(	(	PUNCT
easat-2929	134	56	psb𝑖	psb𝑖	NOUN
easat-2929	134	57	)	)	PUNCT
easat-2929	134	58	,	,	PUNCT
easat-2929	134	59	identity	identity	NOUN
easat-2929	134	60	theft	theft	NOUN
easat-2929	134	61	(	(	PUNCT
easat-2929	134	62	it𝑖	it𝑖	NOUN
easat-2929	134	63	)	)	PUNCT
easat-2929	134	64	.	.	PUNCT
easat-2929	135	1	β0	β0	PROPN
easat-2929	135	2	is	be	AUX
easat-2929	135	3	intercept	intercept	NOUN
easat-2929	135	4	of	of	ADP
easat-2929	135	5	the	the	DET
easat-2929	135	6	model	model	NOUN
easat-2929	135	7	,	,	PUNCT
easat-2929	135	8	β1(for	β1(for	ADP
easat-2929	135	9	i	i	NOUN
easat-2929	135	10	=	=	NOUN
easat-2929	135	11	1	1	NUM
easat-2929	135	12	,	,	PUNCT
easat-2929	135	13	2,3	2,3	NUM
easat-2929	135	14	)	)	PUNCT
easat-2929	135	15	are	be	AUX
easat-2929	135	16	the	the	DET
easat-2929	135	17	coefficients	coefficient	NOUN
easat-2929	135	18	of	of	ADP
easat-2929	135	19	the	the	DET
easat-2929	135	20	independent	independent	ADJ
easat-2929	135	21	variables	variable	NOUN
easat-2929	135	22	in	in	ADP
easat-2929	135	23	the	the	DET
easat-2929	135	24	model	model	NOUN
easat-2929	135	25	,	,	PUNCT
easat-2929	135	26	and	and	CCONJ
easat-2929	135	27	μ𝑖	μ𝑖	NOUN
easat-2929	135	28	=	=	NOUN
easat-2929	135	29	error	error	NOUN
easat-2929	135	30	term	term	NOUN
easat-2929	135	31	.	.	PUNCT
easat-2929	136	1	the	the	DET
easat-2929	136	2	data	datum	NOUN
easat-2929	136	3	gathered	gather	VERB
easat-2929	136	4	from	from	ADP
easat-2929	136	5	the	the	DET
easat-2929	136	6	questionnaire	questionnaire	NOUN
easat-2929	136	7	are	be	AUX
easat-2929	136	8	used	use	VERB
easat-2929	136	9	to	to	PART
easat-2929	136	10	complete	complete	VERB
easat-2929	136	11	the	the	DET
easat-2929	136	12	analysis	analysis	NOUN
easat-2929	136	13	using	use	VERB
easat-2929	136	14	regression	regression	NOUN
easat-2929	136	15	.	.	PUNCT
easat-2929	137	1	to	to	PART
easat-2929	137	2	ensure	ensure	VERB
easat-2929	137	3	accuracy	accuracy	NOUN
easat-2929	137	4	,	,	PUNCT
easat-2929	137	5	efficiency	efficiency	NOUN
easat-2929	137	6	,	,	PUNCT
easat-2929	137	7	and	and	CCONJ
easat-2929	137	8	completeness	completeness	NOUN
easat-2929	137	9	,	,	PUNCT
easat-2929	137	10	the	the	DET
easat-2929	137	11	data	datum	NOUN
easat-2929	137	12	gathered	gather	VERB
easat-2929	137	13	using	use	VERB
easat-2929	137	14	questionnaires	questionnaire	NOUN
easat-2929	137	15	was	be	AUX
easat-2929	137	16	edited	edit	VERB
easat-2929	137	17	,	,	PUNCT
easat-2929	137	18	coded	code	VERB
easat-2929	137	19	,	,	PUNCT
easat-2929	137	20	and	and	CCONJ
easat-2929	137	21	tallied	tally	VERB
easat-2929	137	22	.	.	PUNCT
easat-2929	138	1	the	the	DET
easat-2929	138	2	data	datum	NOUN
easat-2929	138	3	was	be	AUX
easat-2929	138	4	presented	present	VERB
easat-2929	138	5	using	use	VERB
easat-2929	138	6	descriptive	descriptive	ADJ
easat-2929	138	7	statistics	statistic	NOUN
easat-2929	138	8	,	,	PUNCT
easat-2929	138	9	such	such	ADJ
easat-2929	138	10	as	as	ADP
easat-2929	138	11	tables	table	NOUN
easat-2929	138	12	,	,	PUNCT
easat-2929	138	13	and	and	CCONJ
easat-2929	138	14	the	the	DET
easat-2929	138	15	qualitative	qualitative	ADJ
easat-2929	138	16	data	datum	NOUN
easat-2929	138	17	was	be	AUX
easat-2929	138	18	gathered	gather	VERB
easat-2929	138	19	,	,	PUNCT
easat-2929	138	20	which	which	PRON
easat-2929	138	21	calls	call	VERB
easat-2929	138	22	for	for	ADP
easat-2929	138	23	a	a	DET
easat-2929	138	24	descriptive	descriptive	ADJ
easat-2929	138	25	and	and	CCONJ
easat-2929	138	26	content	content	ADJ
easat-2929	138	27	analysis	analysis	NOUN
easat-2929	138	28	.	.	PUNCT
easat-2929	139	1	the	the	DET
easat-2929	139	2	investigation	investigation	NOUN
easat-2929	139	3	was	be	AUX
easat-2929	139	4	divided	divide	VERB
easat-2929	139	5	into	into	ADP
easat-2929	139	6	five	five	NUM
easat-2929	139	7	stages	stage	NOUN
easat-2929	139	8	,	,	PUNCT
easat-2929	139	9	and	and	CCONJ
easat-2929	139	10	a	a	DET
easat-2929	139	11	linear	linear	ADJ
easat-2929	139	12	regression	regression	NOUN
easat-2929	139	13	model	model	NOUN
easat-2929	139	14	was	be	AUX
easat-2929	139	15	also	also	ADV
easat-2929	139	16	employed	employ	VERB
easat-2929	139	17	to	to	PART
easat-2929	139	18	provide	provide	VERB
easat-2929	139	19	answers	answer	NOUN
easat-2929	139	20	to	to	ADP
easat-2929	139	21	the	the	DET
easat-2929	139	22	research	research	NOUN
easat-2929	139	23	questions	question	NOUN
easat-2929	139	24	.	.	PUNCT
easat-2929	140	1	4	4	X
easat-2929	140	2	.	.	NOUN
easat-2929	140	3	results	result	VERB
easat-2929	140	4	the	the	DET
easat-2929	140	5	paper	paper	NOUN
easat-2929	140	6	completes	complete	VERB
easat-2929	140	7	some	some	DET
easat-2929	140	8	pre	pre	NOUN
easat-2929	140	9	-	-	NOUN
easat-2929	140	10	estimation	estimation	NOUN
easat-2929	140	11	,	,	PUNCT
easat-2929	140	12	to	to	PART
easat-2929	140	13	show	show	VERB
easat-2929	140	14	the	the	DET
easat-2929	140	15	sample	sample	NOUN
easat-2929	140	16	distribution	distribution	NOUN
easat-2929	140	17	and	and	CCONJ
easat-2929	140	18	the	the	DET
easat-2929	140	19	reliability	reliability	NOUN
easat-2929	140	20	test	test	NOUN
easat-2929	140	21	.	.	PUNCT
easat-2929	141	1	the	the	DET
easat-2929	141	2	data	datum	NOUN
easat-2929	141	3	from	from	ADP
easat-2929	141	4	the	the	DET
easat-2929	141	5	questionnaires	questionnaire	NOUN
easat-2929	141	6	were	be	AUX
easat-2929	141	7	gathered	gather	VERB
easat-2929	141	8	,	,	PUNCT
easat-2929	141	9	coded	code	VERB
easat-2929	141	10	and	and	CCONJ
easat-2929	141	11	transcribed	transcribe	VERB
easat-2929	141	12	according	accord	VERB
easat-2929	141	13	to	to	ADP
easat-2929	141	14	the	the	DET
easat-2929	141	15	lickert	lickert	ADJ
easat-2929	141	16	scale	scale	NOUN
easat-2929	141	17	,	,	PUNCT
easat-2929	141	18	and	and	CCONJ
easat-2929	141	19	the	the	DET
easat-2929	141	20	distribution	distribution	NOUN
easat-2929	141	21	is	be	AUX
easat-2929	141	22	presented	present	VERB
easat-2929	141	23	.	.	PUNCT
easat-2929	142	1	table	table	NOUN
easat-2929	142	2	1	1	NUM
easat-2929	142	3	(	(	PUNCT
easat-2929	142	4	panel	panel	NOUN
easat-2929	142	5	a	a	PRON
easat-2929	142	6	)	)	PUNCT
easat-2929	142	7	shows	show	VERB
easat-2929	142	8	the	the	DET
easat-2929	142	9	summary	summary	NOUN
easat-2929	142	10	of	of	ADP
easat-2929	142	11	the	the	DET
easat-2929	142	12	distributed	distribute	VERB
easat-2929	142	13	questionnaires	questionnaire	NOUN
easat-2929	142	14	.	.	PUNCT
easat-2929	143	1	clearly	clearly	ADV
easat-2929	143	2	,	,	PUNCT
easat-2929	143	3	only	only	ADV
easat-2929	143	4	88	88	NUM
easat-2929	143	5	%	%	NOUN
easat-2929	143	6	,	,	PUNCT
easat-2929	143	7	that	that	PRON
easat-2929	143	8	is	be	AUX
easat-2929	143	9	176	176	NUM
easat-2929	143	10	of	of	ADP
easat-2929	143	11	the	the	DET
easat-2929	143	12	administered	administer	VERB
easat-2929	143	13	questionnaires	questionnaire	NOUN
easat-2929	143	14	were	be	AUX
easat-2929	143	15	correctly	correctly	ADV
easat-2929	143	16	filled	fill	VERB
easat-2929	143	17	,	,	PUNCT
easat-2929	143	18	hence	hence	ADV
easat-2929	143	19	used	use	VERB
easat-2929	143	20	for	for	ADP
easat-2929	143	21	the	the	DET
easat-2929	143	22	analysis	analysis	NOUN
easat-2929	143	23	.	.	PUNCT
easat-2929	144	1	the	the	DET
easat-2929	144	2	paper	paper	NOUN
easat-2929	144	3	examines	examine	VERB
easat-2929	144	4	the	the	DET
easat-2929	144	5	reliability	reliability	NOUN
easat-2929	144	6	test	test	NOUN
easat-2929	144	7	using	use	VERB
easat-2929	144	8	the	the	DET
easat-2929	144	9	cronbach	cronbach	NOUN
easat-2929	144	10	’s	’s	PART
easat-2929	144	11	alpha	alpha	NOUN
easat-2929	144	12	(	(	PUNCT
easat-2929	144	13	𝛼	𝛼	NOUN
easat-2929	144	14	)	)	PUNCT
easat-2929	144	15	to	to	PART
easat-2929	144	16	ensure	ensure	VERB
easat-2929	144	17	the	the	DET
easat-2929	144	18	validity	validity	NOUN
easat-2929	144	19	of	of	ADP
easat-2929	144	20	the	the	DET
easat-2929	144	21	instruments	instrument	NOUN
easat-2929	144	22	used	use	VERB
easat-2929	144	23	to	to	PART
easat-2929	144	24	evaluate	evaluate	VERB
easat-2929	144	25	the	the	DET
easat-2929	144	26	aim	aim	NOUN
easat-2929	144	27	.	.	PUNCT
easat-2929	145	1	accordingly	accordingly	ADV
easat-2929	145	2	,	,	PUNCT
easat-2929	145	3	the	the	DET
easat-2929	145	4	outcome	outcome	NOUN
easat-2929	145	5	,	,	PUNCT
easat-2929	145	6	reported	report	VERB
easat-2929	145	7	in	in	ADP
easat-2929	145	8	table	table	NOUN
easat-2929	145	9	1(panel	1(panel	PROPN
easat-2929	145	10	b	b	NOUN
easat-2929	145	11	)	)	PUNCT
easat-2929	145	12	,	,	PUNCT
easat-2929	145	13	shows	show	VERB
easat-2929	145	14	the	the	DET
easat-2929	145	15	overall	overall	ADJ
easat-2929	145	16	cronbach	cronbach	NOUN
easat-2929	145	17	's	's	PART
easat-2929	145	18	alpha	alpha	NOUN
easat-2929	145	19	is	be	AUX
easat-2929	145	20	0.99	0.99	NUM
easat-2929	145	21	,	,	PUNCT
easat-2929	145	22	which	which	PRON
easat-2929	145	23	is	be	AUX
easat-2929	145	24	higher	high	ADJ
easat-2929	145	25	than	than	ADP
easat-2929	145	26	the	the	DET
easat-2929	145	27	theoretical	theoretical	ADJ
easat-2929	145	28	benchmark	benchmark	NOUN
easat-2929	145	29	(	(	PUNCT
easat-2929	145	30	0.70	0.70	NUM
easat-2929	145	31	)	)	PUNCT
easat-2929	145	32	.	.	PUNCT
easat-2929	146	1	this	this	PRON
easat-2929	146	2	indicates	indicate	VERB
easat-2929	146	3	that	that	SCONJ
easat-2929	146	4	the	the	DET
easat-2929	146	5	sixteen	sixteen	ADJ
easat-2929	146	6	items	item	NOUN
easat-2929	146	7	on	on	ADP
easat-2929	146	8	the	the	DET
easat-2929	146	9	study	study	NOUN
easat-2929	146	10	questionnaires	questionnaire	NOUN
easat-2929	146	11	appear	appear	VERB
easat-2929	146	12	to	to	PART
easat-2929	146	13	have	have	VERB
easat-2929	146	14	a	a	DET
easat-2929	146	15	relatively	relatively	ADV
easat-2929	146	16	good	good	ADJ
easat-2929	146	17	level	level	NOUN
easat-2929	146	18	of	of	ADP
easat-2929	146	19	internal	internal	ADJ
easat-2929	146	20	consistency	consistency	NOUN
easat-2929	146	21	and	and	CCONJ
easat-2929	146	22	therefore	therefore	ADV
easat-2929	146	23	deem	deem	VERB
easat-2929	146	24	sample	sample	NOUN
easat-2929	146	25	is	be	AUX
easat-2929	146	26	reliable	reliable	ADJ
easat-2929	146	27	.	.	PUNCT
easat-2929	147	1	table	table	NOUN
easat-2929	147	2	1	1	NUM
easat-2929	147	3	.	.	PUNCT
easat-2929	148	1	pre	pre	ADJ
easat-2929	148	2	-	-	NOUN
easat-2929	148	3	estimation	estimation	NOUN
easat-2929	148	4	.	.	PUNCT
easat-2929	149	1	panel	panel	NOUN
easat-2929	149	2	a	a	DET
easat-2929	149	3	:	:	PUNCT
easat-2929	149	4	cases	case	NOUN
easat-2929	149	5	process	process	NOUN
easat-2929	149	6	cases	case	NOUN
easat-2929	149	7	n	n	DET
easat-2929	149	8	%	%	VERB
easat-2929	149	9	valid	valid	ADJ
easat-2929	149	10	176	176	NUM
easat-2929	149	11	88.00	88.00	NUM
easat-2929	149	12	%	%	NOUN
easat-2929	149	13	excludeda	excludeda	ADJ
easat-2929	149	14	24	24	NUM
easat-2929	149	15	12.00	12.00	NUM
easat-2929	149	16	%	%	NOUN
easat-2929	149	17	total	total	NOUN
easat-2929	149	18	200	200	NUM
easat-2929	149	19	100.00	100.00	NUM
easat-2929	149	20	%	%	NOUN
easat-2929	149	21	panel	panel	NOUN
easat-2929	149	22	b	b	NOUN
easat-2929	149	23	:	:	PUNCT
easat-2929	149	24	reliability	reliability	NOUN
easat-2929	149	25	test	test	NOUN
easat-2929	149	26	statistic	statistic	NOUN
easat-2929	149	27	#	#	SYM
easat-2929	149	28	df	df	NOUN
easat-2929	149	29	𝛼	𝛼	NOUN
easat-2929	149	30	overall	overall	ADJ
easat-2929	149	31	16	16	NUM
easat-2929	149	32	0.99	0.99	NUM
easat-2929	149	33	note	note	NOUN
easat-2929	149	34	:	:	PUNCT
easat-2929	149	35	alistwise	alistwise	ADJ
easat-2929	149	36	deletion	deletion	NOUN
easat-2929	149	37	based	base	VERB
easat-2929	149	38	on	on	ADP
easat-2929	149	39	all	all	DET
easat-2929	149	40	variables	variable	NOUN
easat-2929	149	41	in	in	ADP
easat-2929	149	42	the	the	DET
easat-2929	149	43	procedure	procedure	NOUN
easat-2929	149	44	.	.	PUNCT
easat-2929	150	1	the	the	DET
easat-2929	150	2	reliability	reliability	NOUN
easat-2929	150	3	rule	rule	NOUN
easat-2929	150	4	for	for	ADP
easat-2929	150	5	cronbach	cronbach	NOUN
easat-2929	150	6	’s	’s	PART
easat-2929	150	7	alpha	alpha	NOUN
easat-2929	150	8	(	(	PUNCT
easat-2929	150	9	𝛼	𝛼	X
easat-2929	150	10	):	):	PUNCT
easat-2929	150	11	𝛼	𝛼	PRON
easat-2929	150	12	≥	≥	NOUN
easat-2929	150	13	0.9	0.9	NUM
easat-2929	150	14	(	(	PUNCT
easat-2929	150	15	excellence	excellence	NOUN
easat-2929	150	16	)	)	PUNCT
easat-2929	150	17	,	,	PUNCT
easat-2929	150	18	𝛼	𝛼	X
easat-2929	150	19	≥	≥	NOUN
easat-2929	150	20	0.8	0.8	NUM
easat-2929	150	21	(	(	PUNCT
easat-2929	150	22	good	good	ADJ
easat-2929	150	23	)	)	PUNCT
easat-2929	150	24	,	,	PUNCT
easat-2929	150	25	𝛼	𝛼	X
easat-2929	150	26	≥	≥	NOUN
easat-2929	150	27	0.7	0.7	NUM
easat-2929	150	28	(	(	PUNCT
easat-2929	150	29	acceptable	acceptable	ADJ
easat-2929	150	30	)	)	PUNCT
easat-2929	150	31	,	,	PUNCT
easat-2929	150	32	𝛼	𝛼	X
easat-2929	150	33	≥	≥	NOUN
easat-2929	150	34	0.6	0.6	NUM
easat-2929	150	35	(	(	PUNCT
easat-2929	150	36	questionable	questionable	ADJ
easat-2929	150	37	)	)	PUNCT
easat-2929	150	38	,	,	PUNCT
easat-2929	150	39	𝛼	𝛼	X
easat-2929	150	40	≥	≥	NOUN
easat-2929	150	41	0.5	0.5	NUM
easat-2929	150	42	(	(	PUNCT
easat-2929	150	43	poor	poor	ADJ
easat-2929	150	44	)	)	PUNCT
easat-2929	150	45	,	,	PUNCT
easat-2929	150	46	𝛼	𝛼	X
easat-2929	150	47	<	<	X
easat-2929	150	48	0.5	0.5	NUM
easat-2929	150	49	(	(	PUNCT
easat-2929	150	50	unacceptable	unacceptable	ADJ
easat-2929	150	51	)	)	PUNCT
easat-2929	150	52	.	.	PUNCT
easat-2929	151	1	#	#	SYM
easat-2929	151	2	df	df	NOUN
easat-2929	151	3	:	:	PUNCT
easat-2929	151	4	number	number	NOUN
easat-2929	151	5	of	of	ADP
easat-2929	151	6	degrees	degree	NOUN
easat-2929	151	7	of	of	ADP
easat-2929	151	8	freedom	freedom	NOUN
easat-2929	151	9	.	.	PUNCT
easat-2929	152	1	the	the	DET
easat-2929	152	2	regression	regression	NOUN
easat-2929	152	3	result	result	NOUN
easat-2929	152	4	of	of	ADP
easat-2929	152	5	the	the	DET
easat-2929	152	6	model	model	NOUN
easat-2929	152	7	,	,	PUNCT
easat-2929	152	8	which	which	PRON
easat-2929	152	9	explicitly	explicitly	ADV
easat-2929	152	10	examined	examine	VERB
easat-2929	152	11	the	the	DET
easat-2929	152	12	impact	impact	NOUN
easat-2929	152	13	of	of	ADP
easat-2929	152	14	cybercrime	cybercrime	NOUN
easat-2929	152	15	activities	activity	NOUN
easat-2929	152	16	on	on	ADP
easat-2929	152	17	customer	customer	NOUN
easat-2929	152	18	brand	brand	NOUN
easat-2929	152	19	loyalty	loyalty	NOUN
easat-2929	152	20	,	,	PUNCT
easat-2929	152	21	is	be	AUX
easat-2929	152	22	summarized	summarize	VERB
easat-2929	152	23	in	in	ADP
easat-2929	152	24	table	table	NOUN
easat-2929	152	25	2	2	NUM
easat-2929	152	26	.	.	PUNCT
easat-2929	153	1	the	the	DET
easat-2929	153	2	coefficient	coefficient	NOUN
easat-2929	153	3	of	of	ADP
easat-2929	153	4	financial	financial	ADJ
easat-2929	153	5	losses	loss	NOUN
easat-2929	153	6	was	be	AUX
easat-2929	153	7	-0.342	-0.342	NOUN
easat-2929	153	8	,	,	PUNCT
easat-2929	153	9	which	which	PRON
easat-2929	153	10	is	be	AUX
easat-2929	153	11	statistically	statistically	ADV
easat-2929	153	12	significant	significant	ADJ
easat-2929	153	13	at	at	ADP
easat-2929	153	14	5	5	NUM
easat-2929	153	15	%	%	NOUN
easat-2929	153	16	.	.	PUNCT
easat-2929	154	1	this	this	PRON
easat-2929	154	2	means	mean	VERB
easat-2929	154	3	that	that	SCONJ
easat-2929	154	4	the	the	DET
easat-2929	154	5	client	client	NOUN
easat-2929	154	6	brand	brand	NOUN
easat-2929	154	7	loyalty	loyalty	NOUN
easat-2929	154	8	of	of	ADP
easat-2929	154	9	the	the	DET
easat-2929	154	10	chosen	choose	VERB
easat-2929	154	11	banks	bank	NOUN
easat-2929	154	12	will	will	AUX
easat-2929	154	13	decrease	decrease	VERB
easat-2929	154	14	by	by	ADP
easat-2929	154	15	more	more	ADJ
easat-2929	154	16	than	than	ADP
easat-2929	154	17	34	34	NUM
easat-2929	154	18	%	%	NOUN
easat-2929	154	19	for	for	ADP
easat-2929	154	20	every	every	DET
easat-2929	154	21	percentage	percentage	NOUN
easat-2929	154	22	change	change	NOUN
easat-2929	154	23	in	in	ADP
easat-2929	154	24	financial	financial	ADJ
easat-2929	154	25	losses	loss	NOUN
easat-2929	154	26	.	.	PUNCT
easat-2929	155	1	the	the	DET
easat-2929	155	2	coefficient	coefficient	NOUN
easat-2929	155	3	of	of	ADP
easat-2929	155	4	card	card	NOUN
easat-2929	155	5	fraud	fraud	NOUN
easat-2929	155	6	was	be	AUX
easat-2929	155	7	0.113	0.113	NUM
easat-2929	155	8	and	and	CCONJ
easat-2929	155	9	indicates	indicate	VERB
easat-2929	155	10	that	that	SCONJ
easat-2929	155	11	there	there	PRON
easat-2929	155	12	will	will	AUX
easat-2929	155	13	be	be	AUX
easat-2929	155	14	a	a	DET
easat-2929	155	15	decrease	decrease	NOUN
easat-2929	155	16	of	of	ADP
easat-2929	155	17	more	more	ADJ
easat-2929	155	18	than	than	ADP
easat-2929	155	19	11	11	NUM
easat-2929	155	20	%	%	NOUN
easat-2929	155	21	in	in	ADP
easat-2929	155	22	the	the	DET
easat-2929	155	23	client	client	NOUN
easat-2929	155	24	brand	brand	NOUN
easat-2929	155	25	loyalty	loyalty	NOUN
easat-2929	155	26	of	of	ADP
easat-2929	155	27	the	the	DET
easat-2929	155	28	chosen	choose	VERB
easat-2929	155	29	banks	bank	NOUN
easat-2929	155	30	for	for	ADP
easat-2929	155	31	every	every	DET
easat-2929	155	32	percentage	percentage	NOUN
easat-2929	155	33	change	change	NOUN
easat-2929	155	34	in	in	ADP
easat-2929	155	35	card	card	NOUN
easat-2929	155	36	fraud	fraud	NOUN
easat-2929	155	37	.	.	PUNCT
easat-2929	156	1	however	however	ADV
easat-2929	156	2	,	,	PUNCT
easat-2929	156	3	this	this	PRON
easat-2929	156	4	was	be	AUX
easat-2929	156	5	not	not	PART
easat-2929	156	6	statistically	statistically	ADV
easat-2929	156	7	significant	significant	ADJ
easat-2929	156	8	.	.	PUNCT
easat-2929	157	1	the	the	DET
easat-2929	157	2	customer	customer	NOUN
easat-2929	157	3	brand	brand	NOUN
easat-2929	157	4	loyalty	loyalty	NOUN
easat-2929	157	5	of	of	ADP
easat-2929	157	6	the	the	DET
easat-2929	157	7	chosen	choose	VERB
easat-2929	157	8	banks	bank	NOUN
easat-2929	157	9	will	will	AUX
easat-2929	157	10	decrease	decrease	VERB
easat-2929	157	11	by	by	ADP
easat-2929	157	12	more	more	ADJ
easat-2929	157	13	than	than	ADP
easat-2929	157	14	60	60	NUM
easat-2929	157	15	%	%	NOUN
easat-2929	157	16	for	for	ADP
easat-2929	157	17	every	every	DET
easat-2929	157	18	percentage	percentage	NOUN
easat-2929	157	19	change	change	NOUN
easat-2929	157	20	in	in	ADP
easat-2929	157	21	persistent	persistent	ADJ
easat-2929	157	22	security	security	NOUN
easat-2929	157	23	breaches	breach	NOUN
easat-2929	157	24	,	,	PUNCT
easat-2929	157	25	according	accord	VERB
easat-2929	157	26	to	to	ADP
easat-2929	157	27	the	the	DET
easat-2929	157	28	coefficient	coefficient	NOUN
easat-2929	157	29	of	of	ADP
easat-2929	157	30	-0.608	-0.608	PROPN
easat-2929	157	31	,	,	PUNCT
easat-2929	157	32	which	which	PRON
easat-2929	157	33	is	be	AUX
easat-2929	157	34	statistically	statistically	ADV
easat-2929	157	35	significant	significant	ADJ
easat-2929	157	36	at	at	ADP
easat-2929	157	37	0.5	0.5	NUM
easat-2929	157	38	%	%	NOUN
easat-2929	157	39	.	.	PUNCT
easat-2929	158	1	the	the	DET
easat-2929	158	2	identity	identity	NOUN
easat-2929	158	3	theft	theft	NOUN
easat-2929	158	4	coefficient	coefficient	NOUN
easat-2929	158	5	was	be	AUX
easat-2929	158	6	-0.605	-0.605	PUNCT
easat-2929	158	7	,	,	PUNCT
easat-2929	158	8	which	which	PRON
easat-2929	158	9	is	be	AUX
easat-2929	158	10	statistically	statistically	ADV
easat-2929	158	11	significant	significant	ADJ
easat-2929	158	12	at	at	ADP
easat-2929	158	13	0.5	0.5	NUM
easat-2929	158	14	%	%	NOUN
easat-2929	158	15	.	.	PUNCT
easat-2929	159	1	this	this	PRON
easat-2929	159	2	means	mean	VERB
easat-2929	159	3	that	that	SCONJ
easat-2929	159	4	for	for	ADP
easat-2929	159	5	every	every	DET
easat-2929	159	6	percentage	percentage	NOUN
easat-2929	159	7	change	change	NOUN
easat-2929	159	8	in	in	ADP
easat-2929	159	9	identity	identity	NOUN
easat-2929	159	10	theft	theft	NOUN
easat-2929	159	11	,	,	PUNCT
easat-2929	159	12	the	the	DET
easat-2929	159	13	chosen	choose	VERB
easat-2929	159	14	banks	bank	NOUN
easat-2929	159	15	'	'	PART
easat-2929	159	16	customers	customer	NOUN
easat-2929	159	17	'	'	PART
easat-2929	159	18	brand	brand	NOUN
easat-2929	159	19	loyalty	loyalty	NOUN
easat-2929	159	20	will	will	AUX
easat-2929	159	21	decrease	decrease	VERB
easat-2929	159	22	by	by	ADP
easat-2929	159	23	more	more	ADJ
easat-2929	159	24	than	than	ADP
easat-2929	159	25	60	60	NUM
easat-2929	159	26	%	%	NOUN
easat-2929	159	27	.	.	PUNCT
easat-2929	160	1	considering	consider	VERB
easat-2929	160	2	the	the	DET
easat-2929	160	3	reported	report	VERB
easat-2929	160	4	coefficient	coefficient	NOUN
easat-2929	160	5	for	for	ADP
easat-2929	160	6	constant	constant	ADJ
easat-2929	160	7	,	,	PUNCT
easat-2929	160	8	the	the	DET
easat-2929	160	9	4287	4287	NUM
easat-2929	160	10	edelweiss	edelweiss	PROPN
easat-2929	160	11	applied	apply	VERB
easat-2929	160	12	science	science	NOUN
easat-2929	160	13	and	and	CCONJ
easat-2929	160	14	technology	technology	NOUN
easat-2929	160	15	issn	issn	PROPN
easat-2929	160	16	:	:	PUNCT
easat-2929	160	17	2576	2576	NUM
easat-2929	160	18	-	-	SYM
easat-2929	160	19	8484	8484	NUM
easat-2929	160	20	vol	vol	NOUN
easat-2929	160	21	.	.	PROPN
easat-2929	160	22	8	8	NUM
easat-2929	160	23	,	,	PUNCT
easat-2929	160	24	no	no	INTJ
easat-2929	160	25	.	.	NOUN
easat-2929	161	1	6	6	NUM
easat-2929	161	2	:	:	SYM
easat-2929	161	3	4281	4281	NUM
easat-2929	161	4	-	-	SYM
easat-2929	161	5	4290	4290	NUM
easat-2929	161	6	,	,	PUNCT
easat-2929	161	7	2024	2024	NUM
easat-2929	161	8	doi	doi	NOUN
easat-2929	161	9	:	:	PUNCT
easat-2929	161	10	10.55214/25768484.v8i6.2929	10.55214/25768484.v8i6.2929	NUM
easat-2929	162	1	©	©	PROPN
easat-2929	162	2	2024	2024	NUM
easat-2929	162	3	by	by	ADP
easat-2929	162	4	the	the	DET
easat-2929	162	5	authors	author	NOUN
easat-2929	162	6	;	;	PUNCT
easat-2929	162	7	licensee	licensee	PROPN
easat-2929	162	8	learning	learning	NOUN
easat-2929	162	9	gate	gate	NOUN
easat-2929	162	10	adopted	adopt	VERB
easat-2929	162	11	variables	variable	NOUN
easat-2929	162	12	are	be	AUX
easat-2929	162	13	jointly	jointly	ADV
easat-2929	162	14	significant	significant	ADJ
easat-2929	162	15	at	at	ADP
easat-2929	162	16	the	the	DET
easat-2929	162	17	5	5	NUM
easat-2929	162	18	%	%	NOUN
easat-2929	162	19	level	level	NOUN
easat-2929	162	20	of	of	ADP
easat-2929	162	21	significance	significance	NOUN
easat-2929	162	22	in	in	ADP
easat-2929	162	23	explaining	explain	VERB
easat-2929	162	24	the	the	DET
easat-2929	162	25	dependent	dependent	ADJ
easat-2929	162	26	variables	variable	NOUN
easat-2929	162	27	.	.	PUNCT
easat-2929	163	1	the	the	DET
easat-2929	163	2	dependent	dependent	ADJ
easat-2929	163	3	variable	variable	NOUN
easat-2929	163	4	and	and	CCONJ
easat-2929	163	5	predictors	predictor	NOUN
easat-2929	163	6	have	have	VERB
easat-2929	163	7	significant	significant	ADJ
easat-2929	163	8	association	association	NOUN
easat-2929	163	9	,	,	PUNCT
easat-2929	163	10	as	as	SCONJ
easat-2929	163	11	shown	show	VERB
easat-2929	163	12	by	by	ADP
easat-2929	163	13	the	the	DET
easat-2929	163	14	adjusted	adjust	VERB
easat-2929	163	15	multiple	multiple	ADJ
easat-2929	163	16	correlation	correlation	NOUN
easat-2929	163	17	coefficients	coefficient	NOUN
easat-2929	163	18	(	(	PUNCT
easat-2929	163	19	�	�	NOUN
easat-2929	163	20	̅	̅	NOUN
easat-2929	163	21	�	�	NOUN
easat-2929	163	22	2	2	NUM
easat-2929	163	23	)	)	PUNCT
easat-2929	163	24	of	of	ADP
easat-2929	163	25	0.884	0.884	NUM
easat-2929	163	26	,	,	PUNCT
easat-2929	163	27	inferring	infer	VERB
easat-2929	163	28	that	that	SCONJ
easat-2929	163	29	financial	financial	ADJ
easat-2929	163	30	losses	loss	NOUN
easat-2929	163	31	(	(	PUNCT
easat-2929	163	32	fl𝑖	fl𝑖	NOUN
easat-2929	163	33	)	)	PUNCT
easat-2929	163	34	,	,	PUNCT
easat-2929	163	35	card	card	NOUN
easat-2929	163	36	fraud	fraud	NOUN
easat-2929	163	37	(	(	PUNCT
easat-2929	163	38	cf𝑖	cf𝑖	NOUN
easat-2929	163	39	)	)	PUNCT
easat-2929	163	40	,	,	PUNCT
easat-2929	163	41	persistent	persistent	ADJ
easat-2929	163	42	security	security	NOUN
easat-2929	163	43	breaches	breach	NOUN
easat-2929	163	44	(	(	PUNCT
easat-2929	163	45	psb𝑖	psb𝑖	NOUN
easat-2929	163	46	)	)	PUNCT
easat-2929	163	47	,	,	PUNCT
easat-2929	163	48	identity	identity	NOUN
easat-2929	163	49	theft	theft	NOUN
easat-2929	163	50	(	(	PUNCT
easat-2929	163	51	it𝑖	it𝑖	NOUN
easat-2929	163	52	)	)	PUNCT
easat-2929	163	53	account	account	NOUN
easat-2929	163	54	for	for	ADP
easat-2929	163	55	88.4	88.4	NUM
easat-2929	163	56	%	%	NOUN
easat-2929	163	57	of	of	ADP
easat-2929	163	58	the	the	DET
easat-2929	163	59	variation	variation	NOUN
easat-2929	163	60	in	in	ADP
easat-2929	163	61	the	the	DET
easat-2929	163	62	customers	customer	NOUN
easat-2929	163	63	'	'	PART
easat-2929	163	64	brand	brand	NOUN
easat-2929	163	65	loyalty	loyalty	NOUN
easat-2929	163	66	,	,	PUNCT
easat-2929	163	67	leaving	leave	VERB
easat-2929	163	68	the	the	DET
easat-2929	163	69	remaining	remain	VERB
easat-2929	163	70	11.6	11.6	NUM
easat-2929	163	71	%	%	NOUN
easat-2929	163	72	as	as	ADP
easat-2929	163	73	variations	variation	NOUN
easat-2929	163	74	from	from	ADP
easat-2929	163	75	the	the	DET
easat-2929	163	76	residuals	residual	NOUN
easat-2929	163	77	.	.	PUNCT
easat-2929	164	1	table	table	NOUN
easat-2929	164	2	2	2	NUM
easat-2929	164	3	.	.	PUNCT
easat-2929	165	1	regression	regression	NOUN
easat-2929	165	2	result	result	NOUN
easat-2929	165	3	for	for	ADP
easat-2929	165	4	equation	equation	NOUN
easat-2929	165	5	2	2	NUM
easat-2929	165	6	.	.	PUNCT
easat-2929	165	7	variable	variable	ADJ
easat-2929	165	8	coef	coef	PROPN
easat-2929	165	9	.	.	PUNCT
easat-2929	166	1	estimates	estimate	VERB
easat-2929	166	2	𝝈	𝝈	DET
easat-2929	166	3	𝒕-stat	𝒕-stat	NOUN
easat-2929	166	4	𝒑𝒓(𝒕-stat	𝒑𝒓(𝒕-stat	NOUN
easat-2929	166	5	)	)	PUNCT
easat-2929	166	6	const	const	NOUN
easat-2929	166	7	.	.	PUNCT
easat-2929	167	1	β0	β0	ADJ
easat-2929	167	2	-0.706	-0.706	X
easat-2929	167	3	0.303	0.303	NUM
easat-2929	167	4	-2.330	-2.330	NOUN
easat-2929	167	5	0.005	0.005	NUM
easat-2929	167	6	fl𝑖	fl𝑖	NOUN
easat-2929	167	7	β1	β1	PROPN
easat-2929	167	8	-0.342	-0.342	PUNCT
easat-2929	167	9	0.084	0.084	NUM
easat-2929	167	10	-4.071	-4.071	NUM
easat-2929	167	11	0.000	0.000	NUM
easat-2929	167	12	cf𝑖	cf𝑖	NOUN
easat-2929	167	13	β2	β2	NOUN
easat-2929	167	14	-0.113	-0.113	PROPN
easat-2929	168	1	0.064	0.064	NUM
easat-2929	168	2	-1.766	-1.766	NOUN
easat-2929	168	3	0.118	0.118	NUM
easat-2929	168	4	psb𝑖	psb𝑖	NOUN
easat-2929	168	5	β3	β3	NOUN
easat-2929	168	6	-0.608	-0.608	NUM
easat-2929	168	7	0.054	0.054	NUM
easat-2929	168	8	-11.259	-11.259	NUM
easat-2929	168	9	0.000	0.000	NUM
easat-2929	168	10	iti	iti	PROPN
easat-2929	168	11	β4	β4	PROPN
easat-2929	168	12	-0.605	-0.605	PUNCT
easat-2929	168	13	0.225	0.225	NUM
easat-2929	168	14	-2.689	-2.689	NUM
easat-2929	168	15	0.002	0.002	NUM
easat-2929	168	16	�	�	NOUN
easat-2929	168	17	̅	̅	NOUN
easat-2929	168	18	�	�	NOUN
easat-2929	168	19	2	2	NUM
easat-2929	168	20	0.884	0.884	NUM
easat-2929	168	21	f	f	NOUN
easat-2929	168	22	-	-	PUNCT
easat-2929	168	23	stat	stat	NOUN
easat-2929	168	24	.	.	PUNCT
easat-2929	169	1	42.61	42.61	NUM
easat-2929	169	2	prob(f	prob(f	NOUN
easat-2929	169	3	-	-	PUNCT
easat-2929	169	4	stat	stat	NOUN
easat-2929	169	5	.	.	PUNCT
easat-2929	169	6	)	)	PUNCT
easat-2929	170	1	0.000	0.000	NUM
easat-2929	170	2	note	note	NOUN
easat-2929	170	3	:	:	PUNCT
easat-2929	170	4	const	const	ADJ
easat-2929	170	5	.	.	PUNCT
easat-2929	170	6	is	be	AUX
easat-2929	170	7	constant	constant	ADJ
easat-2929	170	8	term	term	NOUN
easat-2929	170	9	.	.	PUNCT
easat-2929	171	1	coef	coef	PROPN
easat-2929	171	2	.	.	PROPN
easat-2929	171	3	is	be	AUX
easat-2929	171	4	coefficient	coefficient	NOUN
easat-2929	171	5	of	of	ADP
easat-2929	171	6	each	each	DET
easat-2929	171	7	variable	variable	NOUN
easat-2929	171	8	in	in	ADP
easat-2929	171	9	equation	equation	NOUN
easat-2929	171	10	(	(	PUNCT
easat-2929	171	11	1	1	NUM
easat-2929	171	12	)	)	PUNCT
easat-2929	171	13	.	.	PUNCT
easat-2929	172	1	the	the	DET
easat-2929	172	2	reported	report	VERB
easat-2929	172	3	coefficients	coefficient	NOUN
easat-2929	172	4	are	be	AUX
easat-2929	172	5	the	the	DET
easat-2929	172	6	ordinary	ordinary	ADJ
easat-2929	172	7	least	least	ADJ
easat-2929	172	8	squares	square	NOUN
easat-2929	172	9	(	(	PUNCT
easat-2929	172	10	unstandardized	unstandardized	ADJ
easat-2929	172	11	)	)	PUNCT
easat-2929	172	12	estimates	estimate	NOUN
easat-2929	172	13	.	.	PUNCT
easat-2929	173	1	𝜎	𝜎	PROPN
easat-2929	173	2	is	be	AUX
easat-2929	173	3	the	the	DET
easat-2929	173	4	standard	standard	ADJ
easat-2929	173	5	error	error	NOUN
easat-2929	173	6	for	for	ADP
easat-2929	173	7	each	each	DET
easat-2929	173	8	estimate	estimate	NOUN
easat-2929	173	9	,	,	PUNCT
easat-2929	173	10	pr	pr	X
easat-2929	173	11	(	(	PUNCT
easat-2929	173	12	𝑡-stat	𝑡-stat	PROPN
easat-2929	173	13	.	.	PUNCT
easat-2929	173	14	)	)	PUNCT
easat-2929	174	1	is	be	AUX
easat-2929	174	2	the	the	DET
easat-2929	174	3	p	p	NOUN
easat-2929	174	4	-	-	PUNCT
easat-2929	174	5	value	value	NOUN
easat-2929	174	6	for	for	ADP
easat-2929	174	7	each	each	DET
easat-2929	174	8	t	t	NOUN
easat-2929	174	9	-	-	PUNCT
easat-2929	174	10	statistic	statistic	NOUN
easat-2929	174	11	.	.	PUNCT
easat-2929	175	1	𝐶𝑜𝑒𝑓	𝐶𝑜𝑒𝑓	PROPN
easat-2929	175	2	&	&	CCONJ
easat-2929	175	3	𝐴𝑝𝑟	𝐴𝑝𝑟	PROPN
easat-2929	175	4	(	(	PUNCT
easat-2929	175	5	coefficient	coefficient	NOUN
easat-2929	175	6	and	and	CCONJ
easat-2929	175	7	apriori	apriori	ADV
easat-2929	175	8	sign	sign	NOUN
easat-2929	175	9	)	)	PUNCT
easat-2929	175	10	.	.	PUNCT
easat-2929	176	1	𝜎	𝜎	X
easat-2929	177	1	𝑖𝑠	𝑖𝑠	NOUN
easat-2929	177	2	𝑡ℎ𝑒	𝑡ℎ𝑒	VERB
easat-2929	177	3	standard	standard	ADJ
easat-2929	177	4	deviation	deviation	NOUN
easat-2929	177	5	for	for	ADP
easat-2929	177	6	each	each	DET
easat-2929	177	7	estimate	estimate	NOUN
easat-2929	177	8	.	.	PUNCT
easat-2929	178	1	r̅2	r̅2	PUNCT
easat-2929	178	2	is	be	AUX
easat-2929	178	3	the	the	DET
easat-2929	178	4	r	r	NOUN
easat-2929	178	5	-	-	PUNCT
easat-2929	178	6	square	square	ADJ
easat-2929	178	7	(	(	PUNCT
easat-2929	178	8	adjusted	adjust	VERB
easat-2929	178	9	)	)	PUNCT
easat-2929	178	10	and	and	CCONJ
easat-2929	178	11	the	the	DET
easat-2929	178	12	figures	figure	NOUN
easat-2929	178	13	in	in	ADP
easat-2929	178	14	parenthesis	parenthesis	NOUN
easat-2929	178	15	are	be	AUX
easat-2929	178	16	estimates	estimate	NOUN
easat-2929	178	17	are	be	AUX
easat-2929	178	18	the	the	DET
easat-2929	178	19	p	p	NOUN
easat-2929	178	20	-	-	PUNCT
easat-2929	178	21	values	value	NOUN
easat-2929	178	22	,	,	PUNCT
easat-2929	178	23	using	use	VERB
easat-2929	178	24	𝑝𝑟𝑜𝑏|𝑡|	𝑝𝑟𝑜𝑏|𝑡|	NOUN
easat-2929	178	25	=	=	SYM
easat-2929	178	26	0	0	NUM
easat-2929	178	27	.	.	PUNCT
easat-2929	179	1	*	*	PUNCT
easat-2929	179	2	p	p	X
easat-2929	179	3	≤	≤	NUM
easat-2929	179	4	1	1	NUM
easat-2929	179	5	%	%	NOUN
easat-2929	179	6	;	;	PUNCT
easat-2929	179	7	*	*	PUNCT
easat-2929	179	8	*	*	PUNCT
easat-2929	179	9	p	p	X
easat-2929	179	10	≤	≤	NUM
easat-2929	179	11	5	5	NUM
easat-2929	179	12	%	%	NOUN
easat-2929	179	13	;	;	PUNCT
easat-2929	179	14	*	*	PUNCT
easat-2929	179	15	*	*	PUNCT
easat-2929	179	16	*	*	PUNCT
easat-2929	179	17	p	p	NOUN
easat-2929	179	18	≤10	≤10	PROPN
easat-2929	179	19	%	%	NOUN
easat-2929	179	20	.	.	PUNCT
easat-2929	180	1	table	table	NOUN
easat-2929	180	2	3	3	NUM
easat-2929	180	3	further	far	ADV
easat-2929	180	4	displays	display	VERB
easat-2929	180	5	the	the	DET
easat-2929	180	6	model	model	NOUN
easat-2929	180	7	summary	summary	NOUN
easat-2929	180	8	describing	describe	VERB
easat-2929	180	9	the	the	DET
easat-2929	180	10	model	model	NOUN
easat-2929	180	11	's	's	PART
easat-2929	180	12	goodness	goodness	NOUN
easat-2929	180	13	of	of	ADP
easat-2929	180	14	fit	fit	NOUN
easat-2929	180	15	.	.	PUNCT
easat-2929	181	1	the	the	DET
easat-2929	181	2	overall	overall	ADJ
easat-2929	181	3	pvalue	pvalue	NOUN
easat-2929	181	4	is	be	AUX
easat-2929	181	5	0.000	0.000	NUM
easat-2929	181	6	,	,	PUNCT
easat-2929	181	7	which	which	PRON
easat-2929	181	8	is	be	AUX
easat-2929	181	9	less	less	ADJ
easat-2929	181	10	than	than	ADP
easat-2929	181	11	the	the	DET
easat-2929	181	12	significance	significance	NOUN
easat-2929	181	13	level	level	NOUN
easat-2929	181	14	of	of	ADP
easat-2929	181	15	0.05	0.05	NUM
easat-2929	181	16	.	.	PUNCT
easat-2929	182	1	clearly	clearly	ADV
easat-2929	182	2	,	,	PUNCT
easat-2929	182	3	with	with	ADP
easat-2929	182	4	the	the	DET
easat-2929	182	5	f	f	PROPN
easat-2929	182	6	-	-	PUNCT
easat-2929	182	7	statistics	statistic	NOUN
easat-2929	182	8	(	(	PUNCT
easat-2929	182	9	320.120	320.120	NUM
easat-2929	182	10	)	)	PUNCT
easat-2929	182	11	,	,	PUNCT
easat-2929	182	12	the	the	DET
easat-2929	182	13	overall	overall	ADJ
easat-2929	182	14	model	model	NOUN
easat-2929	182	15	is	be	AUX
easat-2929	182	16	highly	highly	ADV
easat-2929	182	17	statistically	statistically	ADV
easat-2929	182	18	significant	significant	ADJ
easat-2929	182	19	at	at	ADP
easat-2929	182	20	1	1	NUM
easat-2929	182	21	%	%	NOUN
easat-2929	182	22	,	,	PUNCT
easat-2929	182	23	suggesting	suggest	VERB
easat-2929	182	24	that	that	SCONJ
easat-2929	182	25	the	the	DET
easat-2929	182	26	outcome	outcome	NOUN
easat-2929	182	27	is	be	AUX
easat-2929	182	28	well	well	ADV
easat-2929	182	29	predicted	predict	VERB
easat-2929	182	30	by	by	ADP
easat-2929	182	31	the	the	DET
easat-2929	182	32	regression	regression	NOUN
easat-2929	182	33	model	model	NOUN
easat-2929	182	34	.	.	PUNCT
easat-2929	183	1	the	the	DET
easat-2929	183	2	study	study	NOUN
easat-2929	183	3	shows	show	VERB
easat-2929	183	4	a	a	DET
easat-2929	183	5	good	good	ADJ
easat-2929	183	6	relationship	relationship	NOUN
easat-2929	183	7	between	between	ADP
easat-2929	183	8	customer	customer	NOUN
easat-2929	183	9	brand	brand	NOUN
easat-2929	183	10	loyalty	loyalty	NOUN
easat-2929	183	11	and	and	CCONJ
easat-2929	183	12	the	the	DET
easat-2929	183	13	associated	associated	ADJ
easat-2929	183	14	cybercrime	cybercrime	NOUN
easat-2929	183	15	activities	activity	NOUN
easat-2929	183	16	,	,	PUNCT
easat-2929	183	17	based	base	VERB
easat-2929	183	18	on	on	ADP
easat-2929	183	19	the	the	DET
easat-2929	183	20	reported	report	VERB
easat-2929	183	21	coefficients	coefficient	NOUN
easat-2929	183	22	for	for	ADP
easat-2929	183	23	each	each	PRON
easat-2929	183	24	of	of	ADP
easat-2929	183	25	the	the	DET
easat-2929	183	26	adopted	adopt	VERB
easat-2929	183	27	factors	factor	NOUN
easat-2929	183	28	.	.	PUNCT
easat-2929	184	1	table	table	NOUN
easat-2929	184	2	3	3	NUM
easat-2929	184	3	.	.	PUNCT
easat-2929	184	4	model	model	PROPN
easat-2929	184	5	estimation	estimation	PROPN
easat-2929	184	6	summary	summary	NOUN
easat-2929	184	7	(	(	PUNCT
easat-2929	184	8	anova	anova	PROPN
easat-2929	184	9	)	)	PUNCT
easat-2929	184	10	.	.	PUNCT
easat-2929	185	1	component	component	NOUN
easat-2929	185	2	𝚺𝟐	𝚺𝟐	ADP
easat-2929	185	3	𝒎𝟐	𝒎𝟐	PROPN
easat-2929	185	4	𝑭-stat	𝑭-stat	PROPN
easat-2929	185	5	𝒑𝒓(𝑭-stat	𝒑𝒓(𝑭-stat	NOUN
easat-2929	185	6	)	)	PUNCT
easat-2929	185	7	regression	regression	NOUN
easat-2929	186	1	[	[	X
easat-2929	186	2	𝑛	𝑛	ADP
easat-2929	186	3	∑	∑	PUNCT
easat-2929	186	4	(	(	PUNCT
easat-2929	186	5	𝑦𝑖.	𝑦𝑖.	NUM
easat-2929	186	6	−	−	PROPN
easat-2929	186	7	𝑦	𝑦	NOUN
easat-2929	186	8	..	..	PUNCT
easat-2929	186	9	)	)	PUNCT
easat-2929	187	1	2𝑘	2𝑘	NOUN
easat-2929	188	1	𝑖=1	𝑖=1	PUNCT
easat-2929	188	2	]	]	PUNCT
easat-2929	189	1	73.106	73.106	NUM
easat-2929	189	2	30.137	30.137	NUM
easat-2929	189	3	320.120	320.120	NUM
easat-2929	189	4	0.000	0.000	NUM
easat-2929	189	5	residual	residual	ADJ
easat-2929	189	6	[	[	X
easat-2929	189	7	∑	∑	INTJ
easat-2929	189	8	∑	∑	INTJ
easat-2929	189	9	(	(	PUNCT
easat-2929	189	10	𝑦𝑖𝑗	𝑦𝑖𝑗	NOUN
easat-2929	189	11	−	−	PROPN
easat-2929	189	12	𝑦𝑖.	𝑦𝑖.	NUM
easat-2929	189	13	)	)	PUNCT
easat-2929	189	14	2𝑛	2𝑛	PROPN
easat-2929	190	1	𝑗=1	𝑗=1	PROPN
easat-2929	190	2	𝑘	𝑘	X
easat-2929	190	3	𝑖=1	𝑖=1	PUNCT
easat-2929	190	4	]	]	PUNCT
easat-2929	190	5	32.102	32.102	NUM
easat-2929	190	6	0.075	0.075	NUM
easat-2929	190	7	total	total	NOUN
easat-2929	191	1	[	[	X
easat-2929	191	2	∑	∑	INTJ
easat-2929	191	3	∑	∑	INTJ
easat-2929	191	4	(	(	PUNCT
easat-2929	191	5	𝑦𝑖𝑗	𝑦𝑖𝑗	VERB
easat-2929	191	6	−	−	PROPN
easat-2929	191	7	𝑦	𝑦	NOUN
easat-2929	191	8	..	..	PUNCT
easat-2929	191	9	)	)	PUNCT
easat-2929	191	10	2𝑛	2𝑛	PROPN
easat-2929	192	1	𝑗=1	𝑗=1	PROPN
easat-2929	192	2	𝑘	𝑘	X
easat-2929	192	3	𝑖=1	𝑖=1	PUNCT
easat-2929	192	4	]	]	X
easat-2929	192	5	105.208	105.208	NUM
easat-2929	192	6	note	note	NOUN
easat-2929	192	7	:	:	PUNCT
easat-2929	192	8	predictors	predictor	NOUN
easat-2929	192	9	:	:	PUNCT
easat-2929	192	10	(	(	PUNCT
easat-2929	192	11	constant	constant	ADJ
easat-2929	192	12	)	)	PUNCT
easat-2929	192	13	,	,	PUNCT
easat-2929	192	14	financial	financial	ADJ
easat-2929	192	15	losses	loss	NOUN
easat-2929	192	16	,	,	PUNCT
easat-2929	192	17	card	card	NOUN
easat-2929	192	18	fraud	fraud	NOUN
easat-2929	192	19	,	,	PUNCT
easat-2929	192	20	persistent	persistent	ADJ
easat-2929	192	21	security	security	NOUN
easat-2929	192	22	breaches	breach	NOUN
easat-2929	192	23	,	,	PUNCT
easat-2929	192	24	identity	identity	NOUN
easat-2929	192	25	theft	theft	NOUN
easat-2929	192	26	.	.	PUNCT
easat-2929	193	1	b.	b.	PROPN
easat-2929	194	1	dependent	dependent	ADJ
easat-2929	194	2	variable	variable	NOUN
easat-2929	194	3	:	:	PUNCT
easat-2929	194	4	customer	customer	NOUN
easat-2929	194	5	brand	brand	NOUN
easat-2929	194	6	loyalty	loyalty	NOUN
easat-2929	194	7	of	of	ADP
easat-2929	194	8	the	the	DET
easat-2929	194	9	selected	select	VERB
easat-2929	194	10	banks	bank	NOUN
easat-2929	194	11	.	.	PUNCT
easat-2929	195	1	f	f	X
easat-2929	195	2	-	-	PUNCT
easat-2929	195	3	stat	stat	NOUN
easat-2929	195	4	;	;	PUNCT
easat-2929	195	5	f	f	X
easat-2929	195	6	-	-	PUNCT
easat-2929	195	7	statistics	statistic	NOUN
easat-2929	195	8	,	,	PUNCT
easat-2929	195	9	pr(f	pr(f	NOUN
easat-2929	195	10	-	-	PUNCT
easat-2929	195	11	stat	stat	NOUN
easat-2929	195	12	):	):	PUNCT
easat-2929	195	13	probability	probability	NOUN
easat-2929	195	14	of	of	ADP
easat-2929	195	15	f	f	NOUN
easat-2929	195	16	-	-	PUNCT
easat-2929	195	17	stat	stat	NOUN
easat-2929	195	18	.	.	PUNCT
easat-2929	196	1	σ2	σ2	NOUN
easat-2929	196	2	:	:	PUNCT
easat-2929	196	3	sum	sum	NOUN
easat-2929	196	4	of	of	ADP
easat-2929	196	5	square	square	NOUN
easat-2929	196	6	;	;	PUNCT
easat-2929	196	7	r̅2	r̅2	NUM
easat-2929	196	8	adjusted	adjust	VERB
easat-2929	196	9	r2	r2	NOUN
easat-2929	196	10	;	;	PUNCT
easat-2929	196	11	m2	m2	PROPN
easat-2929	196	12	:	:	PUNCT
easat-2929	196	13	mean	mean	PROPN
easat-2929	196	14	square	square	NOUN
easat-2929	196	15	.	.	PUNCT
easat-2929	197	1	∑	∑	PUNCT
easat-2929	197	2	∑	∑	PUNCT
easat-2929	197	3	(	(	PUNCT
easat-2929	197	4	yij	yij	NOUN
easat-2929	197	5	−	−	PROPN
easat-2929	197	6	y	y	PROPN
easat-2929	197	7	..	..	PUNCT
easat-2929	197	8	)	)	PUNCT
easat-2929	198	1	2	2	X
easat-2929	198	2	=	=	SYM
easat-2929	198	3	n	n	PART
easat-2929	198	4	∑	∑	PUNCT
easat-2929	198	5	(	(	PUNCT
easat-2929	198	6	y	y	PROPN
easat-2929	198	7	i.	i.	PROPN
easat-2929	198	8	−	−	PROPN
easat-2929	199	1	y	y	PROPN
easat-2929	199	2	..	..	PUNCT
easat-2929	199	3	)	)	PUNCT
easat-2929	200	1	2	2	X
easat-2929	200	2	+	+	CCONJ
easat-2929	200	3	∑	∑	PROPN
easat-2929	200	4	∑	∑	INTJ
easat-2929	200	5	(	(	PUNCT
easat-2929	200	6	yij	yij	NOUN
easat-2929	200	7	−	−	PROPN
easat-2929	200	8	y	y	PROPN
easat-2929	200	9	i.	i.	PROPN
easat-2929	200	10	)	)	PUNCT
easat-2929	200	11	2n	2n	NUM
easat-2929	201	1	j=1	j=1	PROPN
easat-2929	202	1	k	k	PROPN
easat-2929	202	2	i=1	i=1	PROPN
easat-2929	203	1	k	k	PROPN
easat-2929	203	2	i=1	i=1	PROPN
easat-2929	203	3	n	n	ADV
easat-2929	204	1	j=1	j=1	PROPN
easat-2929	204	2	k	k	X
easat-2929	204	3	i=1	i=1	PROPN
easat-2929	204	4	in	in	ADP
easat-2929	204	5	summary	summary	NOUN
easat-2929	204	6	,	,	PUNCT
easat-2929	204	7	the	the	DET
easat-2929	204	8	result	result	NOUN
easat-2929	204	9	of	of	ADP
easat-2929	204	10	the	the	DET
easat-2929	204	11	regression	regression	NOUN
easat-2929	204	12	shows	show	VERB
easat-2929	204	13	the	the	DET
easat-2929	204	14	following	following	NOUN
easat-2929	204	15	.	.	PUNCT
easat-2929	205	1	first	first	ADV
easat-2929	205	2	,	,	PUNCT
easat-2929	205	3	the	the	DET
easat-2929	205	4	paper	paper	NOUN
easat-2929	205	5	identifies	identify	VERB
easat-2929	205	6	a	a	DET
easat-2929	205	7	strong	strong	ADJ
easat-2929	205	8	inverse	inverse	NOUN
easat-2929	205	9	association	association	NOUN
easat-2929	205	10	between	between	ADP
easat-2929	205	11	brand	brand	NOUN
easat-2929	205	12	loyalty	loyalty	NOUN
easat-2929	205	13	and	and	CCONJ
easat-2929	205	14	financial	financial	ADJ
easat-2929	205	15	losses	loss	NOUN
easat-2929	205	16	brought	bring	VERB
easat-2929	205	17	on	on	ADP
easat-2929	205	18	by	by	ADP
easat-2929	205	19	cybercrime	cybercrime	NOUN
easat-2929	205	20	.	.	PUNCT
easat-2929	206	1	clients	client	NOUN
easat-2929	206	2	who	who	PRON
easat-2929	206	3	had	have	VERB
easat-2929	206	4	financial	financial	ADJ
easat-2929	206	5	setbacks	setback	NOUN
easat-2929	206	6	were	be	AUX
easat-2929	206	7	less	less	ADV
easat-2929	206	8	likely	likely	ADJ
easat-2929	206	9	to	to	PART
easat-2929	206	10	stick	stick	VERB
easat-2929	206	11	with	with	ADP
easat-2929	206	12	their	their	PRON
easat-2929	206	13	bank	bank	NOUN
easat-2929	206	14	.	.	PUNCT
easat-2929	207	1	second	second	ADV
easat-2929	207	2	,	,	PUNCT
easat-2929	207	3	the	the	DET
easat-2929	207	4	evidence	evidence	NOUN
easat-2929	207	5	shows	show	VERB
easat-2929	207	6	that	that	SCONJ
easat-2929	207	7	card	card	NOUN
easat-2929	207	8	theft	theft	NOUN
easat-2929	207	9	significantly	significantly	ADV
easat-2929	207	10	reduces	reduce	VERB
easat-2929	207	11	brand	brand	NOUN
easat-2929	207	12	loyalty	loyalty	NOUN
easat-2929	207	13	.	.	PUNCT
easat-2929	208	1	consumers	consumer	NOUN
easat-2929	208	2	who	who	PRON
easat-2929	208	3	had	have	VERB
easat-2929	208	4	their	their	PRON
easat-2929	208	5	cards	card	NOUN
easat-2929	208	6	stolen	steal	VERB
easat-2929	208	7	were	be	AUX
easat-2929	208	8	more	more	ADV
easat-2929	208	9	likely	likely	ADJ
easat-2929	208	10	to	to	PART
easat-2929	208	11	move	move	VERB
easat-2929	208	12	banks	bank	NOUN
easat-2929	208	13	.	.	PUNCT
easat-2929	209	1	third	third	ADV
easat-2929	209	2	,	,	PUNCT
easat-2929	209	3	the	the	DET
easat-2929	209	4	study	study	NOUN
easat-2929	209	5	discovered	discover	VERB
easat-2929	209	6	that	that	SCONJ
easat-2929	209	7	recurring	recur	VERB
easat-2929	209	8	security	security	NOUN
easat-2929	209	9	vulnerabilities	vulnerability	NOUN
easat-2929	209	10	significantly	significantly	ADV
easat-2929	209	11	reduce	reduce	VERB
easat-2929	209	12	brand	brand	NOUN
easat-2929	209	13	loyalty	loyalty	NOUN
easat-2929	209	14	.	.	PUNCT
easat-2929	210	1	the	the	DET
easat-2929	210	2	trust	trust	NOUN
easat-2929	210	3	and	and	CCONJ
easat-2929	210	4	loyalty	loyalty	NOUN
easat-2929	210	5	of	of	ADP
easat-2929	210	6	customers	customer	NOUN
easat-2929	210	7	significantly	significantly	ADV
easat-2929	210	8	declined	decline	VERB
easat-2929	210	9	because	because	SCONJ
easat-2929	210	10	of	of	ADP
easat-2929	210	11	repeated	repeat	VERB
easat-2929	210	12	breaches	breach	NOUN
easat-2929	210	13	.	.	PUNCT
easat-2929	211	1	forth	forth	ADV
easat-2929	211	2	,	,	PUNCT
easat-2929	211	3	the	the	DET
easat-2929	211	4	paper	paper	NOUN
easat-2929	211	5	demonstrates	demonstrate	VERB
easat-2929	211	6	that	that	SCONJ
easat-2929	211	7	the	the	DET
easat-2929	211	8	most	most	ADV
easat-2929	211	9	notable	notable	ADJ
easat-2929	211	10	adverse	adverse	ADJ
easat-2929	211	11	effect	effect	NOUN
easat-2929	211	12	on	on	ADP
easat-2929	211	13	brand	brand	NOUN
easat-2929	211	14	loyalty	loyalty	NOUN
easat-2929	211	15	was	be	AUX
easat-2929	211	16	caused	cause	VERB
easat-2929	211	17	by	by	ADP
easat-2929	211	18	identity	identity	NOUN
easat-2929	211	19	theft	theft	NOUN
easat-2929	211	20	.	.	PUNCT
easat-2929	212	1	customer	customer	NOUN
easat-2929	212	2	loyalty	loyalty	NOUN
easat-2929	212	3	was	be	AUX
easat-2929	212	4	greatly	greatly	ADV
easat-2929	212	5	diminished	diminish	VERB
easat-2929	212	6	by	by	ADP
easat-2929	212	7	identity	identity	NOUN
easat-2929	212	8	theft	theft	NOUN
easat-2929	212	9	's	's	PART
easat-2929	212	10	seriousness	seriousness	NOUN
easat-2929	212	11	and	and	CCONJ
easat-2929	212	12	enduring	enduring	ADJ
easat-2929	212	13	effects	effect	NOUN
easat-2929	212	14	.	.	PUNCT
easat-2929	213	1	clients	client	NOUN
easat-2929	213	2	who	who	PRON
easat-2929	213	3	were	be	AUX
easat-2929	213	4	victims	victim	NOUN
easat-2929	213	5	of	of	ADP
easat-2929	213	6	cybercrime	cybercrime	NOUN
easat-2929	213	7	situations	situation	NOUN
easat-2929	213	8	stressed	stress	VERB
easat-2929	213	9	how	how	SCONJ
easat-2929	213	10	crucial	crucial	ADJ
easat-2929	213	11	the	the	DET
easat-2929	213	12	bank	bank	NOUN
easat-2929	213	13	's	's	PART
easat-2929	213	14	response	response	NOUN
easat-2929	213	15	was	be	AUX
easat-2929	213	16	in	in	ADP
easat-2929	213	17	determining	determine	VERB
easat-2929	213	18	how	how	SCONJ
easat-2929	213	19	loyal	loyal	ADJ
easat-2929	213	20	they	they	PRON
easat-2929	213	21	would	would	AUX
easat-2929	213	22	be	be	AUX
easat-2929	213	23	.	.	PUNCT
easat-2929	214	1	4288	4288	NUM
easat-2929	214	2	edelweiss	edelweiss	PROPN
easat-2929	214	3	applied	apply	VERB
easat-2929	214	4	science	science	NOUN
easat-2929	214	5	and	and	CCONJ
easat-2929	214	6	technology	technology	NOUN
easat-2929	214	7	issn	issn	PROPN
easat-2929	214	8	:	:	PUNCT
easat-2929	214	9	2576	2576	NUM
easat-2929	214	10	-	-	SYM
easat-2929	214	11	8484	8484	NUM
easat-2929	214	12	vol	vol	NOUN
easat-2929	214	13	.	.	PROPN
easat-2929	214	14	8	8	NUM
easat-2929	214	15	,	,	PUNCT
easat-2929	214	16	no	no	INTJ
easat-2929	214	17	.	.	NOUN
easat-2929	215	1	6	6	NUM
easat-2929	215	2	:	:	SYM
easat-2929	215	3	4281	4281	NUM
easat-2929	215	4	-	-	SYM
easat-2929	215	5	4290	4290	NUM
easat-2929	215	6	,	,	PUNCT
easat-2929	215	7	2024	2024	NUM
easat-2929	215	8	doi	doi	NOUN
easat-2929	215	9	:	:	PUNCT
easat-2929	215	10	10.55214/25768484.v8i6.2929	10.55214/25768484.v8i6.2929	NUM
easat-2929	216	1	©	©	PROPN
easat-2929	216	2	2024	2024	NUM
easat-2929	216	3	by	by	ADP
easat-2929	216	4	the	the	DET
easat-2929	216	5	authors	author	NOUN
easat-2929	216	6	;	;	PUNCT
easat-2929	216	7	licensee	licensee	PROPN
easat-2929	216	8	learning	learning	NOUN
easat-2929	216	9	gate	gate	VERB
easat-2929	216	10	the	the	DET
easat-2929	216	11	analysis	analysis	NOUN
easat-2929	216	12	shows	show	VERB
easat-2929	216	13	how	how	SCONJ
easat-2929	216	14	seriously	seriously	ADV
easat-2929	216	15	cybercrime	cybercrime	NOUN
easat-2929	216	16	affects	affect	VERB
easat-2929	216	17	consumers	consumer	NOUN
easat-2929	216	18	'	'	PART
easat-2929	216	19	brand	brand	NOUN
easat-2929	216	20	loyalty	loyalty	NOUN
easat-2929	216	21	.	.	PUNCT
easat-2929	217	1	decreases	decrease	NOUN
easat-2929	217	2	in	in	ADP
easat-2929	217	3	brand	brand	NOUN
easat-2929	217	4	loyalty	loyalty	NOUN
easat-2929	217	5	can	can	AUX
easat-2929	217	6	have	have	VERB
easat-2929	217	7	a	a	DET
easat-2929	217	8	negative	negative	ADJ
easat-2929	217	9	impact	impact	NOUN
easat-2929	217	10	on	on	ADP
easat-2929	217	11	deposit	deposit	NOUN
easat-2929	217	12	money	money	NOUN
easat-2929	217	13	banks	bank	NOUN
easat-2929	217	14	'	'	PART
easat-2929	217	15	overall	overall	ADJ
easat-2929	217	16	performance	performance	NOUN
easat-2929	217	17	,	,	PUNCT
easat-2929	217	18	and	and	CCONJ
easat-2929	217	19	they	they	PRON
easat-2929	217	20	can	can	AUX
easat-2929	217	21	be	be	AUX
easat-2929	217	22	caused	cause	VERB
easat-2929	217	23	by	by	ADP
easat-2929	217	24	a	a	DET
easat-2929	217	25	variety	variety	NOUN
easat-2929	217	26	of	of	ADP
easat-2929	217	27	factors	factor	NOUN
easat-2929	217	28	,	,	PUNCT
easat-2929	217	29	including	include	VERB
easat-2929	217	30	financial	financial	ADJ
easat-2929	217	31	losses	loss	NOUN
easat-2929	217	32	,	,	PUNCT
easat-2929	217	33	identity	identity	NOUN
easat-2929	217	34	theft	theft	NOUN
easat-2929	217	35	,	,	PUNCT
easat-2929	217	36	card	card	NOUN
easat-2929	217	37	fraud	fraud	NOUN
easat-2929	217	38	,	,	PUNCT
easat-2929	217	39	and	and	CCONJ
easat-2929	217	40	security	security	NOUN
easat-2929	217	41	lapses	lapse	NOUN
easat-2929	217	42	.	.	PUNCT
easat-2929	218	1	while	while	SCONJ
easat-2929	218	2	these	these	DET
easat-2929	218	3	effects	effect	NOUN
easat-2929	218	4	range	range	VERB
easat-2929	218	5	in	in	ADP
easat-2929	218	6	intensity	intensity	NOUN
easat-2929	218	7	,	,	PUNCT
easat-2929	218	8	identity	identity	NOUN
easat-2929	218	9	theft	theft	NOUN
easat-2929	218	10	and	and	CCONJ
easat-2929	218	11	security	security	NOUN
easat-2929	218	12	breaches	breach	NOUN
easat-2929	218	13	have	have	VERB
easat-2929	218	14	the	the	DET
easat-2929	218	15	biggest	big	ADJ
easat-2929	218	16	impact	impact	NOUN
easat-2929	218	17	.	.	PUNCT
easat-2929	219	1	the	the	DET
easat-2929	219	2	study	study	NOUN
easat-2929	219	3	also	also	ADV
easat-2929	219	4	emphasizes	emphasize	VERB
easat-2929	219	5	how	how	SCONJ
easat-2929	219	6	critical	critical	ADJ
easat-2929	219	7	it	it	PRON
easat-2929	219	8	is	be	AUX
easat-2929	219	9	to	to	PART
easat-2929	219	10	respond	respond	VERB
easat-2929	219	11	to	to	ADP
easat-2929	219	12	cybercrime	cybercrime	NOUN
easat-2929	219	13	situations	situation	NOUN
easat-2929	219	14	effectively	effectively	ADV
easat-2929	219	15	.	.	PUNCT
easat-2929	220	1	if	if	SCONJ
easat-2929	220	2	any	any	DET
easat-2929	220	3	security	security	NOUN
easat-2929	220	4	breaches	breach	NOUN
easat-2929	220	5	,	,	PUNCT
easat-2929	220	6	banks	bank	NOUN
easat-2929	220	7	with	with	ADP
easat-2929	220	8	a	a	DET
easat-2929	220	9	strong	strong	ADJ
easat-2929	220	10	client	client	NOUN
easat-2929	220	11	base	base	NOUN
easat-2929	220	12	are	be	AUX
easat-2929	220	13	those	those	PRON
easat-2929	220	14	that	that	PRON
easat-2929	220	15	can	can	AUX
easat-2929	220	16	promptly	promptly	ADV
easat-2929	220	17	detect	detect	VERB
easat-2929	220	18	and	and	CCONJ
easat-2929	220	19	fix	fix	VERB
easat-2929	220	20	these	these	DET
easat-2929	220	21	problems	problem	NOUN
easat-2929	220	22	.	.	PUNCT
easat-2929	221	1	5	5	X
easat-2929	221	2	.	.	X
easat-2929	221	3	conclusions	conclusion	NOUN
easat-2929	221	4	worldwide	worldwide	ADV
easat-2929	221	5	,	,	PUNCT
easat-2929	221	6	electronic	electronic	ADJ
easat-2929	221	7	services	service	NOUN
easat-2929	221	8	present	present	VERB
easat-2929	221	9	more	more	ADJ
easat-2929	221	10	prospects	prospect	NOUN
easat-2929	221	11	for	for	ADP
easat-2929	221	12	corporate	corporate	ADJ
easat-2929	221	13	growth	growth	NOUN
easat-2929	221	14	,	,	PUNCT
easat-2929	221	15	and	and	CCONJ
easat-2929	221	16	there	there	PRON
easat-2929	221	17	are	be	VERB
easat-2929	221	18	still	still	ADV
easat-2929	221	19	a	a	DET
easat-2929	221	20	lot	lot	NOUN
easat-2929	221	21	of	of	ADP
easat-2929	221	22	uncharted	uncharted	ADJ
easat-2929	221	23	territories	territory	NOUN
easat-2929	221	24	to	to	PART
easat-2929	221	25	be	be	AUX
easat-2929	221	26	discovered	discover	VERB
easat-2929	221	27	.	.	PUNCT
easat-2929	222	1	cybercrimes	cybercrime	NOUN
easat-2929	222	2	,	,	PUNCT
easat-2929	222	3	however	however	ADV
easat-2929	222	4	,	,	PUNCT
easat-2929	222	5	pose	pose	VERB
easat-2929	222	6	a	a	DET
easat-2929	222	7	severe	severe	ADJ
easat-2929	222	8	danger	danger	NOUN
easat-2929	222	9	to	to	ADP
easat-2929	222	10	corporate	corporate	ADJ
easat-2929	222	11	growth	growth	NOUN
easat-2929	222	12	,	,	PUNCT
easat-2929	222	13	especially	especially	ADV
easat-2929	222	14	in	in	ADP
easat-2929	222	15	the	the	DET
easat-2929	222	16	online	online	ADJ
easat-2929	222	17	banking	banking	NOUN
easat-2929	222	18	services	service	NOUN
easat-2929	222	19	sector	sector	NOUN
easat-2929	222	20	.	.	PUNCT
easat-2929	223	1	this	this	DET
easat-2929	223	2	article	article	NOUN
easat-2929	223	3	examines	examine	VERB
easat-2929	223	4	how	how	SCONJ
easat-2929	223	5	the	the	DET
easat-2929	223	6	brand	brand	NOUN
easat-2929	223	7	loyalty	loyalty	NOUN
easat-2929	223	8	of	of	ADP
easat-2929	223	9	the	the	DET
easat-2929	223	10	banks	bank	NOUN
easat-2929	223	11	’	'	PUNCT
easat-2929	223	12	customers	customer	NOUN
easat-2929	223	13	is	be	AUX
easat-2929	223	14	affected	affect	VERB
easat-2929	223	15	by	by	ADP
easat-2929	223	16	cybercrime	cybercrime	NOUN
easat-2929	223	17	associated	associate	VERB
easat-2929	223	18	to	to	ADP
easat-2929	223	19	the	the	DET
easat-2929	223	20	use	use	NOUN
easat-2929	223	21	of	of	ADP
easat-2929	223	22	e	e	NOUN
easat-2929	223	23	-	-	ADJ
easat-2929	223	24	banking	banking	NOUN
easat-2929	223	25	platforms	platform	NOUN
easat-2929	223	26	.	.	PUNCT
easat-2929	224	1	a	a	DET
easat-2929	224	2	regression	regression	NOUN
easat-2929	224	3	analysis	analysis	NOUN
easat-2929	224	4	was	be	AUX
easat-2929	224	5	performed	perform	VERB
easat-2929	224	6	to	to	PART
easat-2929	224	7	investigate	investigate	VERB
easat-2929	224	8	the	the	DET
easat-2929	224	9	relationship	relationship	NOUN
easat-2929	224	10	between	between	ADP
easat-2929	224	11	customer	customer	NOUN
easat-2929	224	12	brand	brand	NOUN
easat-2929	224	13	loyalty	loyalty	NOUN
easat-2929	224	14	and	and	CCONJ
easat-2929	224	15	the	the	DET
easat-2929	224	16	considered	consider	VERB
easat-2929	224	17	cybercrime	cybercrime	NOUN
easat-2929	224	18	activities	activity	NOUN
easat-2929	224	19	.	.	PUNCT
easat-2929	225	1	the	the	DET
easat-2929	225	2	empirical	empirical	ADJ
easat-2929	225	3	evidence	evidence	NOUN
easat-2929	225	4	discovered	discover	VERB
easat-2929	225	5	existence	existence	NOUN
easat-2929	225	6	of	of	ADP
easat-2929	225	7	a	a	DET
easat-2929	225	8	reciprocal	reciprocal	ADJ
easat-2929	225	9	relationship	relationship	NOUN
easat-2929	225	10	between	between	ADP
easat-2929	225	11	the	the	DET
easat-2929	225	12	customer	customer	NOUN
easat-2929	225	13	brand	brand	NOUN
easat-2929	225	14	loyalty	loyalty	NOUN
easat-2929	225	15	of	of	ADP
easat-2929	225	16	the	the	DET
easat-2929	225	17	chosen	choose	VERB
easat-2929	225	18	banks	bank	NOUN
easat-2929	225	19	and	and	CCONJ
easat-2929	225	20	the	the	DET
easat-2929	225	21	adopted	adopt	VERB
easat-2929	225	22	surrogates	surrogate	NOUN
easat-2929	225	23	for	for	ADP
easat-2929	225	24	cybercrime	cybercrime	NOUN
easat-2929	225	25	operations	operation	NOUN
easat-2929	225	26	.	.	PUNCT
easat-2929	226	1	the	the	DET
easat-2929	226	2	banking	banking	NOUN
easat-2929	226	3	industry	industry	NOUN
easat-2929	226	4	's	's	PART
easat-2929	226	5	clients	client	NOUN
easat-2929	226	6	'	'	PART
easat-2929	226	7	brand	brand	NOUN
easat-2929	226	8	loyalty	loyalty	NOUN
easat-2929	226	9	is	be	AUX
easat-2929	226	10	seriously	seriously	ADV
easat-2929	226	11	threatened	threaten	VERB
easat-2929	226	12	by	by	ADP
easat-2929	226	13	cybercrime	cybercrime	NOUN
easat-2929	226	14	.	.	PUNCT
easat-2929	227	1	to	to	PART
easat-2929	227	2	lessen	lessen	VERB
easat-2929	227	3	the	the	DET
easat-2929	227	4	negative	negative	ADJ
easat-2929	227	5	effects	effect	NOUN
easat-2929	227	6	of	of	ADP
easat-2929	227	7	cybercrime	cybercrime	NOUN
easat-2929	227	8	on	on	ADP
easat-2929	227	9	consumer	consumer	NOUN
easat-2929	227	10	loyalty	loyalty	NOUN
easat-2929	227	11	and	and	CCONJ
easat-2929	227	12	trust	trust	NOUN
easat-2929	227	13	,	,	PUNCT
easat-2929	227	14	deposit	deposit	NOUN
easat-2929	227	15	money	money	NOUN
easat-2929	227	16	banks	bank	NOUN
easat-2929	227	17	need	need	VERB
easat-2929	227	18	to	to	PART
easat-2929	227	19	give	give	VERB
easat-2929	227	20	cybersecurity	cybersecurity	NOUN
easat-2929	227	21	top	top	ADJ
easat-2929	227	22	priority	priority	NOUN
easat-2929	227	23	and	and	CCONJ
easat-2929	227	24	improve	improve	VERB
easat-2929	227	25	their	their	PRON
easat-2929	227	26	reaction	reaction	NOUN
easat-2929	227	27	plans	plan	NOUN
easat-2929	227	28	.	.	PUNCT
easat-2929	228	1	they	they	PRON
easat-2929	228	2	can	can	AUX
easat-2929	228	3	protect	protect	VERB
easat-2929	228	4	their	their	PRON
easat-2929	228	5	brand	brand	NOUN
easat-2929	228	6	and	and	CCONJ
easat-2929	228	7	keep	keep	VERB
easat-2929	228	8	customers	customer	NOUN
easat-2929	228	9	loyal	loyal	ADJ
easat-2929	228	10	by	by	ADP
easat-2929	228	11	doing	do	VERB
easat-2929	228	12	this	this	PRON
easat-2929	228	13	,	,	PUNCT
easat-2929	228	14	which	which	PRON
easat-2929	228	15	will	will	AUX
easat-2929	228	16	eventually	eventually	ADV
easat-2929	228	17	improve	improve	VERB
easat-2929	228	18	their	their	PRON
easat-2929	228	19	performance	performance	NOUN
easat-2929	228	20	.	.	PUNCT
easat-2929	229	1	it	it	PRON
easat-2929	229	2	follows	follow	VERB
easat-2929	229	3	that	that	SCONJ
easat-2929	229	4	the	the	DET
easat-2929	229	5	money	money	NOUN
easat-2929	229	6	that	that	PRON
easat-2929	229	7	banks	bank	NOUN
easat-2929	229	8	should	should	AUX
easat-2929	229	9	receive	receive	VERB
easat-2929	229	10	from	from	ADP
easat-2929	229	11	e	e	NOUN
easat-2929	229	12	-	-	ADJ
easat-2929	229	13	banking	banking	ADJ
easat-2929	229	14	services	service	NOUN
easat-2929	229	15	will	will	AUX
easat-2929	229	16	inevitably	inevitably	ADV
easat-2929	229	17	decrease	decrease	VERB
easat-2929	229	18	because	because	SCONJ
easat-2929	229	19	of	of	ADP
easat-2929	229	20	the	the	DET
easat-2929	229	21	public	public	NOUN
easat-2929	229	22	's	's	PART
easat-2929	229	23	diminished	diminished	ADJ
easat-2929	229	24	trust	trust	NOUN
easat-2929	229	25	brought	bring	VERB
easat-2929	229	26	on	on	ADP
easat-2929	229	27	by	by	ADP
easat-2929	229	28	cybercrime	cybercrime	NOUN
easat-2929	229	29	operations	operation	NOUN
easat-2929	229	30	,	,	PUNCT
easat-2929	229	31	thereby	thereby	ADV
easat-2929	229	32	endangering	endanger	VERB
easat-2929	229	33	the	the	DET
easat-2929	229	34	banks	bank	NOUN
easat-2929	229	35	'	'	PART
easat-2929	229	36	ability	ability	NOUN
easat-2929	229	37	to	to	PART
easat-2929	229	38	remain	remain	VERB
easat-2929	229	39	financially	financially	ADV
easat-2929	229	40	stable	stable	ADJ
easat-2929	229	41	.	.	PUNCT
easat-2929	230	1	based	base	VERB
easat-2929	230	2	on	on	ADP
easat-2929	230	3	the	the	DET
easat-2929	230	4	findings	finding	NOUN
easat-2929	230	5	,	,	PUNCT
easat-2929	230	6	the	the	DET
easat-2929	230	7	paper	paper	NOUN
easat-2929	230	8	offers	offer	VERB
easat-2929	230	9	some	some	DET
easat-2929	230	10	recommendations	recommendation	NOUN
easat-2929	230	11	.	.	PUNCT
easat-2929	231	1	first	first	ADV
easat-2929	231	2	,	,	PUNCT
easat-2929	231	3	the	the	DET
easat-2929	231	4	styd	styd	NOUN
easat-2929	231	5	suggest	suggest	VERB
easat-2929	231	6	the	the	DET
easat-2929	231	7	need	need	NOUN
easat-2929	231	8	to	to	PART
easat-2929	231	9	strengthen	strengthen	VERB
easat-2929	231	10	cybersecurity	cybersecurity	NOUN
easat-2929	231	11	protocols	protocol	NOUN
easat-2929	231	12	.	.	PUNCT
easat-2929	232	1	the	the	DET
easat-2929	232	2	nigeria	nigeria	PROPN
easat-2929	232	3	banks	bank	NOUN
easat-2929	232	4	should	should	AUX
easat-2929	232	5	make	make	VERB
easat-2929	232	6	investments	investment	NOUN
easat-2929	232	7	in	in	ADP
easat-2929	232	8	cutting	cut	VERB
easat-2929	232	9	-	-	PUNCT
easat-2929	232	10	edge	edge	NOUN
easat-2929	232	11	cybersecurity	cybersecurity	NOUN
easat-2929	232	12	procedures	procedure	NOUN
easat-2929	232	13	and	and	CCONJ
easat-2929	232	14	tools	tool	NOUN
easat-2929	232	15	to	to	PART
easat-2929	232	16	stop	stop	VERB
easat-2929	232	17	fraud	fraud	NOUN
easat-2929	232	18	and	and	CCONJ
easat-2929	232	19	safeguard	safeguard	NOUN
easat-2929	232	20	client	client	NOUN
easat-2929	232	21	information	information	NOUN
easat-2929	232	22	.	.	PUNCT
easat-2929	233	1	also	also	ADV
easat-2929	233	2	,	,	PUNCT
easat-2929	233	3	the	the	DET
easat-2929	233	4	paper	paper	NOUN
easat-2929	233	5	offers	offer	VERB
easat-2929	233	6	there	there	PRON
easat-2929	233	7	should	should	AUX
easat-2929	233	8	be	be	AUX
easat-2929	233	9	enhanced	enhance	VERB
easat-2929	233	10	incident	incident	NOUN
easat-2929	233	11	response	response	NOUN
easat-2929	233	12	.	.	PUNCT
easat-2929	234	1	this	this	PRON
easat-2929	234	2	will	will	AUX
easat-2929	234	3	help	help	VERB
easat-2929	234	4	to	to	PART
easat-2929	234	5	minimize	minimize	VERB
easat-2929	234	6	the	the	DET
easat-2929	234	7	impact	impact	NOUN
easat-2929	234	8	on	on	ADP
easat-2929	234	9	client	client	NOUN
easat-2929	234	10	loyalty	loyalty	NOUN
easat-2929	234	11	from	from	ADP
easat-2929	234	12	cybercrime	cybercrime	ADJ
easat-2929	234	13	occurrences	occurrence	NOUN
easat-2929	234	14	,	,	PUNCT
easat-2929	234	15	banks	bank	NOUN
easat-2929	234	16	should	should	AUX
easat-2929	234	17	create	create	VERB
easat-2929	234	18	and	and	CCONJ
easat-2929	234	19	implement	implement	VERB
easat-2929	234	20	efficient	efficient	ADJ
easat-2929	234	21	incident	incident	NOUN
easat-2929	234	22	response	response	NOUN
easat-2929	234	23	plans	plan	NOUN
easat-2929	234	24	.	.	PUNCT
easat-2929	235	1	furthermore	furthermore	ADV
easat-2929	235	2	,	,	PUNCT
easat-2929	235	3	there	there	PRON
easat-2929	235	4	should	should	AUX
easat-2929	235	5	be	be	AUX
easat-2929	235	6	improvement	improvement	NOUN
easat-2929	235	7	in	in	ADP
easat-2929	235	8	customer	customer	NOUN
easat-2929	235	9	education	education	NOUN
easat-2929	235	10	amongst	amongst	ADP
easat-2929	235	11	the	the	DET
easat-2929	235	12	banks	bank	NOUN
easat-2929	235	13	,	,	PUNCT
easat-2929	235	14	to	to	PART
easat-2929	235	15	help	help	VERB
easat-2929	235	16	instruct	instruct	VERB
easat-2929	235	17	their	their	PRON
easat-2929	235	18	clientele	clientele	NOUN
easat-2929	235	19	on	on	ADP
easat-2929	235	20	how	how	SCONJ
easat-2929	235	21	to	to	PART
easat-2929	235	22	avoid	avoid	VERB
easat-2929	235	23	becoming	become	VERB
easat-2929	235	24	victims	victim	NOUN
easat-2929	235	25	of	of	ADP
easat-2929	235	26	cybercrime	cybercrime	NOUN
easat-2929	235	27	as	as	ADV
easat-2929	235	28	well	well	ADV
easat-2929	235	29	as	as	ADP
easat-2929	235	30	the	the	DET
easat-2929	235	31	finest	fine	ADJ
easat-2929	235	32	ways	way	NOUN
easat-2929	235	33	to	to	PART
easat-2929	235	34	defend	defend	VERB
easat-2929	235	35	themselves	themselves	PRON
easat-2929	235	36	against	against	ADP
easat-2929	235	37	it	it	PRON
easat-2929	235	38	.	.	PUNCT
easat-2929	236	1	lastly	lastly	ADV
easat-2929	236	2	,	,	PUNCT
easat-2929	236	3	the	the	DET
easat-2929	236	4	paper	paper	NOUN
easat-2929	236	5	offers	offer	VERB
easat-2929	236	6	the	the	DET
easat-2929	236	7	need	need	NOUN
easat-2929	236	8	for	for	ADP
easat-2929	236	9	frequent	frequent	ADJ
easat-2929	236	10	audits	audit	NOUN
easat-2929	236	11	.	.	PUNCT
easat-2929	237	1	doing	do	VERB
easat-2929	237	2	this	this	PRON
easat-2929	237	3	will	will	AUX
easat-2929	237	4	help	help	VERB
easat-2929	237	5	to	to	PART
easat-2929	237	6	find	find	VERB
easat-2929	237	7	and	and	CCONJ
easat-2929	237	8	fix	fix	VERB
easat-2929	237	9	system	system	NOUN
easat-2929	237	10	vulnerabilities	vulnerability	NOUN
easat-2929	237	11	,	,	PUNCT
easat-2929	237	12	banks	bank	NOUN
easat-2929	237	13	should	should	AUX
easat-2929	237	14	carry	carry	VERB
easat-2929	237	15	out	out	ADP
easat-2929	237	16	frequent	frequent	ADJ
easat-2929	237	17	security	security	NOUN
easat-2929	237	18	audits	audits	NOUN
easat-2929	237	19	.	.	PUNCT
easat-2929	238	1	copyright	copyright	NOUN
easat-2929	238	2	:	:	PUNCT
easat-2929	238	3	©	©	PROPN
easat-2929	238	4	2024	2024	NUM
easat-2929	238	5	by	by	ADP
easat-2929	238	6	the	the	DET
easat-2929	238	7	authors	author	NOUN
easat-2929	238	8	.	.	PUNCT
easat-2929	239	1	this	this	DET
easat-2929	239	2	article	article	NOUN
easat-2929	239	3	is	be	AUX
easat-2929	239	4	an	an	DET
easat-2929	239	5	open	open	ADJ
easat-2929	239	6	access	access	NOUN
easat-2929	239	7	article	article	NOUN
easat-2929	239	8	distributed	distribute	VERB
easat-2929	239	9	under	under	ADP
easat-2929	239	10	the	the	DET
easat-2929	239	11	terms	term	NOUN
easat-2929	239	12	and	and	CCONJ
easat-2929	239	13	conditions	condition	NOUN
easat-2929	239	14	of	of	ADP
easat-2929	239	15	the	the	DET
easat-2929	239	16	creative	creative	ADJ
easat-2929	239	17	commons	common	NOUN
easat-2929	239	18	attribution	attribution	NOUN
easat-2929	239	19	(	(	PUNCT
easat-2929	239	20	cc	cc	NOUN
easat-2929	239	21	by	by	ADP
easat-2929	239	22	)	)	PUNCT
easat-2929	239	23	license	license	NOUN
easat-2929	239	24	(	(	PUNCT
easat-2929	239	25	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-2929	239	26	)	)	PUNCT
easat-2929	239	27	.	.	PUNCT
easat-2929	240	1	references	reference	NOUN
easat-2929	240	2	[	[	X
easat-2929	240	3	1	1	NUM
easat-2929	240	4	]	]	PUNCT
easat-2929	240	5	adeyemi	adeyemi	ADV
easat-2929	240	6	,	,	PUNCT
easat-2929	240	7	i	i	PRON
easat-2929	240	8	(	(	PUNCT
easat-2929	240	9	2021	2021	NUM
easat-2929	240	10	)	)	PUNCT
easat-2929	240	11	.	.	PUNCT
easat-2929	241	1	impact	impact	NOUN
easat-2929	241	2	of	of	ADP
easat-2929	241	3	ict	ict	NOUN
easat-2929	241	4	tools	tool	NOUN
easat-2929	241	5	for	for	ADP
easat-2929	241	6	combating	combat	VERB
easat-2929	241	7	cybercrime	cybercrime	NOUN
easat-2929	241	8	in	in	ADP
easat-2929	241	9	nigeria	nigeria	PROPN
easat-2929	241	10	online	online	PROPN
easat-2929	241	11	banking	banking	PROPN
easat-2929	241	12	:	:	PUNCT
easat-2929	241	13	a	a	DET
easat-2929	241	14	conceptual	conceptual	ADJ
easat-2929	241	15	review	review	NOUN
easat-2929	241	16	.	.	PUNCT
easat-2929	242	1	international	international	ADJ
easat-2929	242	2	journal	journal	PROPN
easat-2929	242	3	of	of	ADP
easat-2929	242	4	finance	finance	NOUN
easat-2929	242	5	,	,	PUNCT
easat-2929	242	6	3(6	3(6	NUM
easat-2929	242	7	)	)	PUNCT
easat-2929	242	8	,	,	PUNCT
easat-2929	242	9	180	180	NUM
easat-2929	242	10	-	-	SYM
easat-2929	242	11	188	188	NUM
easat-2929	242	12	.	.	PUNCT
easat-2929	243	1	[	[	X
easat-2929	243	2	2	2	NUM
easat-2929	243	3	]	]	X
easat-2929	243	4	ahuja	ahuja	PROPN
easat-2929	243	5	,	,	PUNCT
easat-2929	243	6	a.v	a.v	PROPN
easat-2929	243	7	.	.	PROPN
easat-2929	243	8	(	(	PUNCT
easat-2929	243	9	2010	2010	NUM
easat-2929	243	10	)	)	PUNCT
easat-2929	243	11	.	.	PUNCT
easat-2929	243	12	cybercrime	cybercrime	NOUN
easat-2929	243	13	in	in	ADP
easat-2929	243	14	banking	banking	NOUN
easat-2929	243	15	sector	sector	NOUN
easat-2929	243	16	.	.	PUNCT
easat-2929	244	1	available	available	ADJ
easat-2929	244	2	at	at	ADP
easat-2929	244	3	http://www.scribd.com/doc/28079943/cyber-crimein-banking-sector	http://www.scribd.com/doc/28079943/cyber-crimein-banking-sector	NOUN
easat-2929	244	4	,	,	PUNCT
easat-2929	244	5	p.6	p.6	ADJ
easat-2929	244	6	[	[	X
easat-2929	244	7	3	3	NUM
easat-2929	244	8	]	]	X
easat-2929	244	9	ajibola	ajibola	PROPN
easat-2929	244	10	,	,	PUNCT
easat-2929	244	11	o.	o.	INTJ
easat-2929	244	12	(	(	PUNCT
easat-2929	244	13	2023	2023	NUM
easat-2929	244	14	)	)	PUNCT
easat-2929	244	15	.	.	PUNCT
easat-2929	245	1	impact	impact	NOUN
easat-2929	245	2	of	of	ADP
easat-2929	245	3	cybercrime	cybercrime	NOUN
easat-2929	245	4	on	on	ADP
easat-2929	245	5	customer	customer	NOUN
easat-2929	245	6	brand	brand	NOUN
easat-2929	245	7	loyalty	loyalty	NOUN
easat-2929	245	8	in	in	ADP
easat-2929	245	9	nigeria	nigeria	PROPN
easat-2929	245	10	.	.	PUNCT
easat-2929	246	1	journal	journal	PROPN
easat-2929	246	2	of	of	ADP
easat-2929	246	3	policy	policy	NOUN
easat-2929	246	4	and	and	CCONJ
easat-2929	246	5	development	development	NOUN
easat-2929	246	6	studies	study	NOUN
easat-2929	246	7	.	.	PUNCT
easat-2929	247	1	9	9	NUM
easat-2929	247	2	(	(	PUNCT
easat-2929	247	3	1	1	NUM
easat-2929	247	4	)	)	PUNCT
easat-2929	247	5	,	,	PUNCT
easat-2929	247	6	179	179	NUM
easat-2929	247	7	-	-	SYM
easat-2929	247	8	193	193	NUM
easat-2929	247	9	.	.	PUNCT
easat-2929	248	1	[	[	X
easat-2929	248	2	4	4	NUM
easat-2929	248	3	]	]	PUNCT
easat-2929	248	4	akanji	akanji	X
easat-2929	248	5	,	,	PUNCT
easat-2929	248	6	o.o	o.o	PROPN
easat-2929	248	7	.	.	PROPN
easat-2929	248	8	(	(	PUNCT
easat-2929	248	9	2022	2022	NUM
easat-2929	248	10	)	)	PUNCT
easat-2929	248	11	.	.	PUNCT
easat-2929	249	1	the	the	DET
easat-2929	249	2	role	role	NOUN
easat-2929	249	3	of	of	ADP
easat-2929	249	4	microfinance	microfinance	NOUN
easat-2929	249	5	in	in	ADP
easat-2929	249	6	empowering	empower	VERB
easat-2929	249	7	women	woman	NOUN
easat-2929	249	8	in	in	ADP
easat-2929	249	9	african	african	PROPN
easat-2929	249	10	.	.	PUNCT
easat-2929	249	11	international	international	ADJ
easat-2929	249	12	journal	journal	PROPN
easat-2929	249	13	of	of	ADP
easat-2929	249	14	business	business	NOUN
easat-2929	249	15	,	,	PUNCT
easat-2929	249	16	2(2	2(2	NUM
easat-2929	249	17	)	)	PUNCT
easat-2929	249	18	,	,	PUNCT
easat-2929	249	19	159	159	NUM
easat-2929	249	20	-	-	SYM
easat-2929	249	21	178	178	NUM
easat-2929	249	22	.	.	PUNCT
easat-2929	250	1	[	[	X
easat-2929	250	2	5	5	NUM
easat-2929	250	3	]	]	X
easat-2929	250	4	central	central	ADJ
easat-2929	250	5	bank	bank	PROPN
easat-2929	250	6	of	of	ADP
easat-2929	250	7	nigeria	nigeria	PROPN
easat-2929	250	8	(	(	PUNCT
easat-2929	250	9	2015	2015	NUM
easat-2929	250	10	)	)	PUNCT
easat-2929	250	11	.	.	PUNCT
easat-2929	251	1	improving	improve	VERB
easat-2929	251	2	and	and	CCONJ
easat-2929	251	3	securing	secure	VERB
easat-2929	251	4	the	the	DET
easat-2929	251	5	cyber	cyber	NOUN
easat-2929	251	6	-	-	PUNCT
easat-2929	251	7	environment	environment	NOUN
easat-2929	251	8	.	.	PUNCT
easat-2929	252	1	nigerian	nigerian	ADJ
easat-2929	252	2	e	e	PROPN
easat-2929	252	3	-	-	PROPN
easat-2929	252	4	fraud	fraud	NOUN
easat-2929	252	5	forum	forum	PROPN
easat-2929	252	6	annual	annual	ADJ
easat-2929	252	7	report	report	NOUN
easat-2929	252	8	.	.	PUNCT
easat-2929	253	1	[	[	X
easat-2929	253	2	6	6	NUM
easat-2929	253	3	]	]	X
easat-2929	253	4	chen	chen	PROPN
easat-2929	253	5	,	,	PUNCT
easat-2929	253	6	y.s	y.s	PROPN
easat-2929	253	7	.	.	PROPN
easat-2929	253	8	,	,	PUNCT
easat-2929	253	9	chen	chen	PROPN
easat-2929	253	10	,	,	PUNCT
easat-2929	253	11	t.j	t.j	PROPN
easat-2929	253	12	,	,	PUNCT
easat-2929	253	13	&	&	CCONJ
easat-2929	253	14	lin	lin	PROPN
easat-2929	253	15	,	,	PUNCT
easat-2929	253	16	c.c	c.c	PROPN
easat-2929	253	17	.	.	PROPN
easat-2929	253	18	(	(	PUNCT
easat-2929	253	19	2016	2016	NUM
easat-2929	253	20	)	)	PUNCT
easat-2929	253	21	.	.	PUNCT
easat-2929	254	1	the	the	DET
easat-2929	254	2	analyses	analysis	NOUN
easat-2929	254	3	of	of	ADP
easat-2929	254	4	purchasing	purchase	VERB
easat-2929	254	5	decisions	decision	NOUN
easat-2929	254	6	and	and	CCONJ
easat-2929	254	7	brand	brand	NOUN
easat-2929	254	8	loyalty	loyalty	NOUN
easat-2929	254	9	for	for	ADP
easat-2929	254	10	smartphone	smartphone	NOUN
easat-2929	254	11	consumers	consumer	NOUN
easat-2929	254	12	.	.	PUNCT
easat-2929	255	1	open	open	ADJ
easat-2929	255	2	journal	journal	NOUN
easat-2929	255	3	of	of	ADP
easat-2929	255	4	social	social	ADJ
easat-2929	255	5	sciences	science	NOUN
easat-2929	255	6	,	,	PUNCT
easat-2929	255	7	04(07	04(07	NUM
easat-2929	255	8	)	)	PUNCT
easat-2929	255	9	,	,	PUNCT
easat-2929	255	10	108–116	108–116	NUM
easat-2929	255	11	.	.	PUNCT
easat-2929	256	1	https://doi.org/10.4236/jss.2016.47018	https://doi.org/10.4236/jss.2016.47018	NOUN
easat-2929	257	1	[	[	X
easat-2929	257	2	7	7	X
easat-2929	257	3	]	]	X
easat-2929	257	4	chuenban	chuenban	NOUN
easat-2929	257	5	,	,	PUNCT
easat-2929	257	6	p.	p.	PROPN
easat-2929	257	7	,	,	PUNCT
easat-2929	257	8	sornsaruht	sornsaruht	PROPN
easat-2929	257	9	,	,	PUNCT
easat-2929	257	10	p.	p.	PROPN
easat-2929	257	11	,	,	PUNCT
easat-2929	257	12	&	&	CCONJ
easat-2929	257	13	pimdee	pimdee	PROPN
easat-2929	257	14	,	,	PUNCT
easat-2929	257	15	p.	p.	NOUN
easat-2929	257	16	(	(	PUNCT
easat-2929	257	17	2021	2021	NUM
easat-2929	257	18	)	)	PUNCT
easat-2929	257	19	.	.	PUNCT
easat-2929	258	1	how	how	SCONJ
easat-2929	258	2	brand	brand	NOUN
easat-2929	258	3	attitude	attitude	NOUN
easat-2929	258	4	,	,	PUNCT
easat-2929	258	5	brand	brand	NOUN
easat-2929	258	6	quality	quality	NOUN
easat-2929	258	7	,	,	PUNCT
easat-2929	258	8	and	and	CCONJ
easat-2929	258	9	brand	brand	NOUN
easat-2929	258	10	value	value	NOUN
easat-2929	258	11	affect	affect	VERB
easat-2929	258	12	thai	thai	PROPN
easat-2929	258	13	canned	can	VERB
easat-2929	258	14	tuna	tuna	NOUN
easat-2929	258	15	consumer	consumer	NOUN
easat-2929	258	16	brand	brand	NOUN
easat-2929	258	17	loyalty	loyalty	NOUN
easat-2929	258	18	.	.	PUNCT
easat-2929	259	1	heliyon	heliyon	NOUN
easat-2929	259	2	,	,	PUNCT
easat-2929	259	3	7(2	7(2	NUM
easat-2929	259	4	)	)	PUNCT
easat-2929	259	5	.	.	PUNCT
easat-2929	260	1	https://doi.org/10.1016/j.heliyon.2021.e06301	https://doi.org/10.1016/j.heliyon.2021.e06301	X
easat-2929	261	1	[	[	X
easat-2929	261	2	8	8	NUM
easat-2929	261	3	]	]	X
easat-2929	261	4	chung	chung	PROPN
easat-2929	261	5	,	,	PUNCT
easat-2929	261	6	y.	y.	PROPN
easat-2929	261	7	,	,	PUNCT
easat-2929	261	8	&	&	CCONJ
easat-2929	261	9	kim	kim	PROPN
easat-2929	261	10	,	,	PUNCT
easat-2929	261	11	a.	a.	PROPN
easat-2929	261	12	j.	j.	PROPN
easat-2929	261	13	(	(	PUNCT
easat-2929	261	14	2019	2019	NUM
easat-2929	261	15	)	)	PUNCT
easat-2929	261	16	.	.	PUNCT
easat-2929	262	1	effects	effect	NOUN
easat-2929	262	2	of	of	ADP
easat-2929	262	3	mergers	merger	NOUN
easat-2929	262	4	and	and	CCONJ
easat-2929	262	5	acquisitions	acquisition	NOUN
easat-2929	262	6	on	on	ADP
easat-2929	262	7	brand	brand	NOUN
easat-2929	262	8	loyalty	loyalty	NOUN
easat-2929	262	9	in	in	ADP
easat-2929	262	10	luxury	luxury	NOUN
easat-2929	262	11	brands	brand	NOUN
easat-2929	262	12	:	:	PUNCT
easat-2929	262	13	the	the	DET
easat-2929	262	14	moderating	moderate	VERB
easat-2929	262	15	roles	role	NOUN
easat-2929	262	16	of	of	ADP
easat-2929	262	17	luxury	luxury	NOUN
easat-2929	262	18	tier	tier	NOUN
easat-2929	262	19	difference	difference	NOUN
easat-2929	262	20	and	and	CCONJ
easat-2929	262	21	social	social	ADJ
easat-2929	262	22	media	medium	NOUN
easat-2929	262	23	.	.	PUNCT
easat-2929	263	1	journal	journal	PROPN
easat-2929	263	2	of	of	ADP
easat-2929	263	3	business	business	NOUN
easat-2929	263	4	research	research	NOUN
easat-2929	263	5	.	.	PUNCT
easat-2929	264	1	[	[	X
easat-2929	264	2	9	9	NUM
easat-2929	264	3	]	]	X
easat-2929	264	4	dada	dada	NOUN
easat-2929	264	5	,	,	PUNCT
easat-2929	264	6	g.	g.	PROPN
easat-2929	264	7	(	(	PUNCT
easat-2929	264	8	2020	2020	NUM
easat-2929	264	9	)	)	PUNCT
easat-2929	264	10	.	.	PUNCT
easat-2929	265	1	organized	organize	VERB
easat-2929	265	2	cybercrime	cybercrime	NOUN
easat-2929	265	3	and	and	CCONJ
easat-2929	265	4	bank	bank	NOUN
easat-2929	265	5	account	account	NOUN
easat-2929	265	6	takeovers	takeover	NOUN
easat-2929	265	7	.	.	PUNCT
easat-2929	266	1	federal	federal	PROPN
easat-2929	266	2	reserve	reserve	PROPN
easat-2929	266	3	bank	bank	PROPN
easat-2929	266	4	of	of	ADP
easat-2929	266	5	san	san	PROPN
easat-2929	266	6	francisco	francisco	PROPN
easat-2929	266	7	,	,	PUNCT
easat-2929	266	8	division	division	NOUN
easat-2929	266	9	of	of	ADP
easat-2929	266	10	banking	banking	NOUN
easat-2929	266	11	supervision	supervision	NOUN
easat-2929	266	12	and	and	CCONJ
easat-2929	266	13	regulation	regulation	NOUN
easat-2929	266	14	.	.	PUNCT
easat-2929	267	1	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-2929	267	2	4289	4289	NUM
easat-2929	267	3	edelweiss	edelweiss	PROPN
easat-2929	267	4	applied	apply	VERB
easat-2929	267	5	science	science	NOUN
easat-2929	267	6	and	and	CCONJ
easat-2929	267	7	technology	technology	NOUN
easat-2929	267	8	issn	issn	PROPN
easat-2929	267	9	:	:	PUNCT
easat-2929	267	10	2576	2576	NUM
easat-2929	267	11	-	-	SYM
easat-2929	267	12	8484	8484	NUM
easat-2929	267	13	vol	vol	NOUN
easat-2929	267	14	.	.	PROPN
easat-2929	267	15	8	8	NUM
easat-2929	267	16	,	,	PUNCT
easat-2929	267	17	no	no	INTJ
easat-2929	267	18	.	.	NOUN
easat-2929	268	1	6	6	NUM
easat-2929	268	2	:	:	SYM
easat-2929	268	3	4281	4281	NUM
easat-2929	268	4	-	-	SYM
easat-2929	268	5	4290	4290	NUM
easat-2929	268	6	,	,	PUNCT
easat-2929	268	7	2024	2024	NUM
easat-2929	268	8	doi	doi	NOUN
easat-2929	268	9	:	:	PUNCT
easat-2929	268	10	10.55214/25768484.v8i6.2929	10.55214/25768484.v8i6.2929	NUM
easat-2929	269	1	©	©	PROPN
easat-2929	269	2	2024	2024	NUM
easat-2929	269	3	by	by	ADP
easat-2929	269	4	the	the	DET
easat-2929	269	5	authors	author	NOUN
easat-2929	269	6	;	;	PUNCT
easat-2929	269	7	licensee	licensee	PROPN
easat-2929	269	8	learning	learning	NOUN
easat-2929	269	9	gate	gate	NOUN
easat-2929	270	1	[	[	X
easat-2929	270	2	10	10	NUM
easat-2929	270	3	]	]	X
easat-2929	270	4	daily	daily	ADJ
easat-2929	270	5	post	post	PROPN
easat-2929	270	6	news	news	NOUN
easat-2929	270	7	(	(	PUNCT
easat-2929	270	8	2017	2017	NUM
easat-2929	270	9	)	)	PUNCT
easat-2929	270	10	.	.	PUNCT
easat-2929	271	1	senate	senate	PROPN
easat-2929	271	2	:	:	PUNCT
easat-2929	271	3	nigeria	nigeria	PROPN
easat-2929	271	4	losses	losse	VERB
easat-2929	271	5	n127billion	n127billion	NOUN
easat-2929	271	6	annually	annually	ADV
easat-2929	271	7	to	to	ADP
easat-2929	271	8	cybercrime	cybercrime	NOUN
easat-2929	271	9	.	.	PUNCT
easat-2929	272	1	online	online	ADV
easat-2929	272	2	at	at	ADP
easat-2929	272	3	:	:	PUNCT
easat-2929	272	4	dailypost.ng/2017/03/08	dailypost.ng/2017/03/08	PROPN
easat-2929	272	5	.	.	PUNCT
easat-2929	273	1	[	[	X
easat-2929	273	2	11	11	NUM
easat-2929	273	3	]	]	X
easat-2929	273	4	florêncio	florêncio	PROPN
easat-2929	273	5	,	,	PUNCT
easat-2929	273	6	d.	d.	PROPN
easat-2929	273	7	&	&	CCONJ
easat-2929	273	8	herley	herley	PROPN
easat-2929	273	9	,	,	PUNCT
easat-2929	273	10	c.	c.	PROPN
easat-2929	273	11	(	(	PUNCT
easat-2929	273	12	2010	2010	NUM
easat-2929	273	13	)	)	PUNCT
easat-2929	273	14	.	.	PUNCT
easat-2929	274	1	phishing	phishe	VERB
easat-2929	274	2	and	and	CCONJ
easat-2929	274	3	money	money	NOUN
easat-2929	274	4	mules	mule	NOUN
easat-2929	274	5	.	.	PUNCT
easat-2929	275	1	in	in	ADP
easat-2929	275	2	information	information	NOUN
easat-2929	275	3	forensics	forensic	NOUN
easat-2929	275	4	and	and	CCONJ
easat-2929	275	5	security	security	NOUN
easat-2929	275	6	wifs	wif	NOUN
easat-2929	275	7	,	,	PUNCT
easat-2929	275	8	ieee	ieee	NOUN
easat-2929	275	9	international	international	ADJ
easat-2929	275	10	workshop	workshop	NOUN
easat-2929	275	11	.	.	PUNCT
easat-2929	276	1	1	1	NUM
easat-2929	276	2	-	-	SYM
easat-2929	276	3	5	5	NUM
easat-2929	276	4	.	.	PUNCT
easat-2929	277	1	[	[	X
easat-2929	277	2	12	12	NUM
easat-2929	277	3	]	]	X
easat-2929	277	4	fred	fred	PROPN
easat-2929	277	5	,	,	PUNCT
easat-2929	277	6	b.	b.	PROPN
easat-2929	277	7	,	,	PUNCT
easat-2929	277	8	brian	brian	PROPN
easat-2929	277	9	,	,	PUNCT
easat-2929	277	10	b.	b.	PROPN
easat-2929	277	11	&	&	CCONJ
easat-2929	277	12	gene	gene	PROPN
easat-2929	277	13	,	,	PUNCT
easat-2929	277	14	l.	l.	PROPN
easat-2929	277	15	(	(	PUNCT
easat-2929	277	16	2014	2014	NUM
easat-2929	277	17	)	)	PUNCT
easat-2929	277	18	organized	organize	VERB
easat-2929	277	19	cybercrime	cybercrime	NOUN
easat-2929	277	20	and	and	CCONJ
easat-2929	277	21	bank	bank	NOUN
easat-2929	277	22	account	account	NOUN
easat-2929	277	23	takeovers	takeover	NOUN
easat-2929	277	24	.	.	PUNCT
easat-2929	278	1	international	international	ADJ
easat-2929	278	2	journal	journal	PROPN
easat-2929	278	3	of	of	ADP
easat-2929	278	4	finance	finance	NOUN
easat-2929	278	5	,	,	PUNCT
easat-2929	278	6	2(2	2(2	NUM
easat-2929	278	7	)	)	PUNCT
easat-2929	278	8	,	,	PUNCT
easat-2929	278	9	609	609	NUM
easat-2929	278	10	-	-	SYM
easat-2929	278	11	630	630	NUM
easat-2929	278	12	.	.	PUNCT
easat-2929	279	1	[	[	X
easat-2929	279	2	13	13	NUM
easat-2929	279	3	]	]	SYM
easat-2929	279	4	imran	imran	PROPN
easat-2929	279	5	,	,	PUNCT
easat-2929	279	6	m.	m.	NOUN
easat-2929	279	7	(	(	PUNCT
easat-2929	279	8	2022	2022	NUM
easat-2929	279	9	)	)	PUNCT
easat-2929	279	10	.	.	PUNCT
easat-2929	280	1	impact	impact	NOUN
easat-2929	280	2	of	of	ADP
easat-2929	280	3	electronic	electronic	ADJ
easat-2929	280	4	crime	crime	NOUN
easat-2929	280	5	in	in	ADP
easat-2929	280	6	indian	indian	ADJ
easat-2929	280	7	banking	banking	NOUN
easat-2929	280	8	sector	sector	NOUN
easat-2929	280	9	–	–	PUNCT
easat-2929	280	10	an	an	DET
easat-2929	280	11	overview	overview	NOUN
easat-2929	280	12	.	.	PUNCT
easat-2929	281	1	international	international	ADJ
easat-2929	281	2	journal	journal	PROPN
easat-2929	281	3	of	of	ADP
easat-2929	281	4	business	business	NOUN
easat-2929	281	5	and	and	CCONJ
easat-2929	281	6	information	information	NOUN
easat-2929	281	7	technology	technology	NOUN
easat-2929	281	8	.	.	PUNCT
easat-2929	282	1	1(2	1(2	NUM
easat-2929	282	2	)	)	PUNCT
easat-2929	282	3	,	,	PUNCT
easat-2929	282	4	401	401	NUM
easat-2929	282	5	-	-	SYM
easat-2929	282	6	424	424	NUM
easat-2929	282	7	.	.	PUNCT
easat-2929	283	1	[	[	X
easat-2929	283	2	14	14	NUM
easat-2929	283	3	]	]	X
easat-2929	283	4	inês	inês	NOUN
easat-2929	283	5	,	,	PUNCT
easat-2929	283	6	s.	s.	PROPN
easat-2929	283	7	&	&	CCONJ
easat-2929	283	8	alexandra	alexandra	PROPN
easat-2929	283	9	,	,	PUNCT
easat-2929	283	10	s.	s.	PROPN
easat-2929	283	11	(	(	PUNCT
easat-2929	283	12	2023	2023	NUM
easat-2929	283	13	)	)	PUNCT
easat-2929	283	14	.	.	PUNCT
easat-2929	284	1	financial	financial	ADJ
easat-2929	284	2	institutions	institution	NOUN
easat-2929	284	3	and	and	CCONJ
easat-2929	284	4	cybercrime	cybercrime	NOUN
easat-2929	284	5	:	:	PUNCT
easat-2929	284	6	threats	threat	NOUN
easat-2929	284	7	,	,	PUNCT
easat-2929	284	8	challenges	challenge	NOUN
easat-2929	284	9	and	and	CCONJ
easat-2929	284	10	opportunities	opportunity	NOUN
easat-2929	284	11	.	.	PUNCT
easat-2929	285	1	international	international	ADJ
easat-2929	285	2	journal	journal	NOUN
easat-2929	285	3	of	of	ADP
easat-2929	285	4	business	business	NOUN
easat-2929	285	5	1(4	1(4	NUM
easat-2929	285	6	)	)	PUNCT
easat-2929	285	7	,	,	PUNCT
easat-2929	285	8	304	304	NUM
easat-2929	285	9	-	-	SYM
easat-2929	285	10	321	321	NUM
easat-2929	285	11	.	.	PUNCT
easat-2929	286	1	[	[	X
easat-2929	286	2	15	15	NUM
easat-2929	286	3	]	]	X
easat-2929	286	4	ishmael	ishmael	PROPN
easat-2929	286	5	,	,	PUNCT
easat-2929	286	6	m.	m.	NOUN
easat-2929	286	7	,	,	PUNCT
easat-2929	286	8	shingirai	shingirai	PROPN
easat-2929	286	9	,	,	PUNCT
easat-2929	286	10	g.	g.	PROPN
easat-2929	286	11	,	,	PUNCT
easat-2929	286	12	martin	martin	PROPN
easat-2929	286	13	,	,	PUNCT
easat-2929	286	14	m.	m.	NOUN
easat-2929	286	15	&	&	CCONJ
easat-2929	286	16	rufaro	rufaro	NOUN
easat-2929	286	17	,	,	PUNCT
easat-2929	286	18	c.	c.	PROPN
easat-2929	286	19	(	(	PUNCT
easat-2929	286	20	2023	2023	NUM
easat-2929	286	21	)	)	PUNCT
easat-2929	286	22	.	.	PUNCT
easat-2929	287	1	cybercrime	cybercrime	NOUN
easat-2929	287	2	the	the	DET
easat-2929	287	3	emerging	emerge	VERB
easat-2929	287	4	threat	threat	NOUN
easat-2929	287	5	to	to	ADP
easat-2929	287	6	the	the	DET
easat-2929	287	7	financial	financial	ADJ
easat-2929	287	8	services	service	NOUN
easat-2929	287	9	sector	sector	NOUN
easat-2929	287	10	in	in	ADP
easat-2929	287	11	zimbabwe	zimbabwe	PROPN
easat-2929	287	12	.	.	PUNCT
easat-2929	288	1	mediterranean	mediterranean	PROPN
easat-2929	288	2	journal	journal	PROPN
easat-2929	288	3	of	of	ADP
easat-2929	288	4	social	social	ADJ
easat-2929	288	5	sciences	science	NOUN
easat-2929	288	6	,	,	PUNCT
easat-2929	288	7	7(3	7(3	NUM
easat-2929	288	8	)	)	PUNCT
easat-2929	288	9	,	,	PUNCT
easat-2929	288	10	500	500	NUM
easat-2929	288	11	-	-	SYM
easat-2929	288	12	522	522	NUM
easat-2929	288	13	.	.	PUNCT
easat-2929	289	1	[	[	X
easat-2929	289	2	16	16	NUM
easat-2929	289	3	]	]	X
easat-2929	289	4	kataria	kataria	PROPN
easat-2929	289	5	,	,	PUNCT
easat-2929	289	6	s.	s.	PROPN
easat-2929	289	7	,	,	PUNCT
easat-2929	289	8	&	&	CCONJ
easat-2929	289	9	saini	saini	PROPN
easat-2929	289	10	,	,	PUNCT
easat-2929	289	11	v.	v.	PROPN
easat-2929	289	12	(	(	PUNCT
easat-2929	289	13	2020	2020	NUM
easat-2929	289	14	)	)	PUNCT
easat-2929	289	15	.	.	PUNCT
easat-2929	290	1	the	the	DET
easat-2929	290	2	mediating	mediating	NOUN
easat-2929	290	3	impact	impact	NOUN
easat-2929	290	4	of	of	ADP
easat-2929	290	5	customer	customer	NOUN
easat-2929	290	6	satisfaction	satisfaction	NOUN
easat-2929	290	7	in	in	ADP
easat-2929	290	8	relation	relation	NOUN
easat-2929	290	9	of	of	ADP
easat-2929	290	10	brand	brand	NOUN
easat-2929	290	11	equity	equity	NOUN
easat-2929	290	12	and	and	CCONJ
easat-2929	290	13	brand	brand	NOUN
easat-2929	290	14	loyalty	loyalty	NOUN
easat-2929	290	15	:	:	PUNCT
easat-2929	290	16	an	an	DET
easat-2929	290	17	empirical	empirical	ADJ
easat-2929	290	18	synthesis	synthesis	NOUN
easat-2929	290	19	and	and	CCONJ
easat-2929	290	20	re	re	NOUN
easat-2929	290	21	-	-	NOUN
easat-2929	290	22	examination	examination	NOUN
easat-2929	290	23	.	.	PUNCT
easat-2929	291	1	south	south	ADJ
easat-2929	291	2	asian	asian	PROPN
easat-2929	291	3	journal	journal	PROPN
easat-2929	291	4	of	of	ADP
easat-2929	291	5	business	business	NOUN
easat-2929	291	6	studies	study	NOUN
easat-2929	291	7	,	,	PUNCT
easat-2929	291	8	9(1	9(1	NUM
easat-2929	291	9	)	)	PUNCT
easat-2929	291	10	,	,	PUNCT
easat-2929	291	11	62–87	62–87	NUM
easat-2929	291	12	.	.	PUNCT
easat-2929	292	1	https://doi.org/10.1108/sajbs-03-2019-0046	https://doi.org/10.1108/sajbs-03-2019-0046	NOUN
easat-2929	293	1	[	[	X
easat-2929	293	2	17	17	NUM
easat-2929	293	3	]	]	X
easat-2929	293	4	kaur	kaur	PROPN
easat-2929	293	5	,	,	PUNCT
easat-2929	293	6	h.	h.	PROPN
easat-2929	293	7	,	,	PUNCT
easat-2929	293	8	paruthi	paruthi	NOUN
easat-2929	293	9	,	,	PUNCT
easat-2929	293	10	m.	m.	NOUN
easat-2929	293	11	,	,	PUNCT
easat-2929	293	12	islam	islam	PROPN
easat-2929	293	13	,	,	PUNCT
easat-2929	293	14	j.	j.	PROPN
easat-2929	293	15	u.	u.	PROPN
easat-2929	293	16	,	,	PUNCT
easat-2929	293	17	&	&	CCONJ
easat-2929	293	18	hollebeek	hollebeek	PROPN
easat-2929	293	19	,	,	PUNCT
easat-2929	293	20	l.	l.	PROPN
easat-2929	293	21	d.	d.	PROPN
easat-2929	293	22	(	(	PUNCT
easat-2929	293	23	2020	2020	NUM
easat-2929	293	24	)	)	PUNCT
easat-2929	293	25	.	.	PUNCT
easat-2929	294	1	the	the	DET
easat-2929	294	2	role	role	NOUN
easat-2929	294	3	of	of	ADP
easat-2929	294	4	brand	brand	NOUN
easat-2929	294	5	community	community	NOUN
easat-2929	294	6	identification	identification	NOUN
easat-2929	294	7	and	and	CCONJ
easat-2929	294	8	reward	reward	NOUN
easat-2929	294	9	on	on	ADP
easat-2929	294	10	consumer	consumer	NOUN
easat-2929	294	11	brand	brand	NOUN
easat-2929	294	12	engagement	engagement	NOUN
easat-2929	294	13	and	and	CCONJ
easat-2929	294	14	brand	brand	NOUN
easat-2929	294	15	loyalty	loyalty	NOUN
easat-2929	294	16	in	in	ADP
easat-2929	294	17	virtual	virtual	ADJ
easat-2929	294	18	brand	brand	NOUN
easat-2929	294	19	communities	community	NOUN
easat-2929	294	20	.	.	PUNCT
easat-2929	295	1	telematics	telematic	NOUN
easat-2929	295	2	and	and	CCONJ
easat-2929	295	3	informatics	informatic	NOUN
easat-2929	295	4	,	,	PUNCT
easat-2929	295	5	46	46	NUM
easat-2929	295	6	,	,	PUNCT
easat-2929	295	7	101321	101321	NUM
easat-2929	295	8	.	.	PUNCT
easat-2929	296	1	[	[	X
easat-2929	296	2	18	18	NUM
easat-2929	296	3	]	]	X
easat-2929	296	4	khairi	khairi	PROPN
easat-2929	296	5	,	,	PUNCT
easat-2929	296	6	a.	a.	PROPN
easat-2929	296	7	,	,	PUNCT
easat-2929	296	8	bahri	bahri	PROPN
easat-2929	296	9	,	,	PUNCT
easat-2929	296	10	b.	b.	PROPN
easat-2929	296	11	,	,	PUNCT
easat-2929	296	12	&	&	CCONJ
easat-2929	296	13	artha	artha	PROPN
easat-2929	296	14	,	,	PUNCT
easat-2929	296	15	b.	b.	PROPN
easat-2929	296	16	(	(	PUNCT
easat-2929	296	17	2021	2021	NUM
easat-2929	296	18	)	)	PUNCT
easat-2929	296	19	.	.	PUNCT
easat-2929	297	1	a	a	DET
easat-2929	297	2	literature	literature	NOUN
easat-2929	297	3	review	review	NOUN
easat-2929	297	4	of	of	ADP
easat-2929	297	5	non	non	ADJ
easat-2929	297	6	-	-	ADJ
easat-2929	297	7	performing	perform	VERB
easat-2929	297	8	loan	loan	NOUN
easat-2929	297	9	.	.	PUNCT
easat-2929	298	1	journal	journal	NOUN
easat-2929	298	2	of	of	ADP
easat-2929	298	3	business	business	NOUN
easat-2929	298	4	and	and	CCONJ
easat-2929	298	5	management	management	NOUN
easat-2929	298	6	review	review	NOUN
easat-2929	298	7	,	,	PUNCT
easat-2929	298	8	2(5	2(5	NUM
easat-2929	298	9	)	)	PUNCT
easat-2929	298	10	,	,	PUNCT
easat-2929	298	11	366–373	366–373	NUM
easat-2929	298	12	.	.	PUNCT
easat-2929	299	1	https://doi.org/10.47153/jbmr25.1402021	https://doi.org/10.47153/jbmr25.1402021	NOUN
easat-2929	299	2	.	.	PUNCT
easat-2929	300	1	[	[	X
easat-2929	300	2	19	19	NUM
easat-2929	300	3	]	]	X
easat-2929	300	4	kim	kim	PROPN
easat-2929	300	5	,	,	PUNCT
easat-2929	300	6	j.	j.	PROPN
easat-2929	300	7	,	,	PUNCT
easat-2929	300	8	lee	lee	PROPN
easat-2929	300	9	,	,	PUNCT
easat-2929	300	10	h.	h.	PROPN
easat-2929	300	11	,	,	PUNCT
easat-2929	300	12	&	&	CCONJ
easat-2929	300	13	lee	lee	PROPN
easat-2929	300	14	,	,	PUNCT
easat-2929	300	15	j.	j.	PROPN
easat-2929	300	16	(	(	PUNCT
easat-2929	300	17	2020	2020	NUM
easat-2929	300	18	)	)	PUNCT
easat-2929	300	19	.	.	PUNCT
easat-2929	301	1	smartphone	smartphone	NOUN
easat-2929	301	2	preferences	preference	NOUN
easat-2929	301	3	and	and	CCONJ
easat-2929	301	4	brand	brand	NOUN
easat-2929	301	5	loyalty	loyalty	NOUN
easat-2929	301	6	:	:	PUNCT
easat-2929	301	7	a	a	DET
easat-2929	301	8	discrete	discrete	ADJ
easat-2929	301	9	choice	choice	NOUN
easat-2929	301	10	model	model	NOUN
easat-2929	301	11	reflecting	reflect	VERB
easat-2929	301	12	the	the	DET
easat-2929	301	13	reference	reference	NOUN
easat-2929	301	14	point	point	NOUN
easat-2929	301	15	and	and	CCONJ
easat-2929	301	16	peer	peer	NOUN
easat-2929	301	17	effect	effect	NOUN
easat-2929	301	18	.	.	PUNCT
easat-2929	302	1	journal	journal	NOUN
easat-2929	302	2	of	of	ADP
easat-2929	302	3	retailing	retailing	NOUN
easat-2929	302	4	and	and	CCONJ
easat-2929	302	5	consumer	consumer	NOUN
easat-2929	302	6	services	service	NOUN
easat-2929	302	7	,	,	PUNCT
easat-2929	302	8	52(may	52(may	NUM
easat-2929	302	9	2019	2019	NUM
easat-2929	302	10	)	)	PUNCT
easat-2929	302	11	,	,	PUNCT
easat-2929	302	12	101907	101907	NUM
easat-2929	302	13	.	.	PUNCT
easat-2929	303	1	https://doi.org/10.1016/j.jretconser.2019.101907	https://doi.org/10.1016/j.jretconser.2019.101907	NOUN
easat-2929	303	2	[	[	X
easat-2929	303	3	20	20	NUM
easat-2929	303	4	]	]	SYM
easat-2929	303	5	muthukumaran	muthukumaran	NOUN
easat-2929	303	6	,	,	PUNCT
easat-2929	303	7	b.	b.	PROPN
easat-2929	303	8	(	(	PUNCT
easat-2929	303	9	2008	2008	NUM
easat-2929	303	10	)	)	PUNCT
easat-2929	303	11	.	.	PUNCT
easat-2929	304	1	cyber	cyber	PROPN
easat-2929	304	2	crime	crime	PROPN
easat-2929	304	3	scenario	scenario	PROPN
easat-2929	304	4	in	in	ADP
easat-2929	304	5	india	india	PROPN
easat-2929	304	6	.	.	PUNCT
easat-2929	305	1	criminal	criminal	ADJ
easat-2929	305	2	investigation	investigation	PROPN
easat-2929	305	3	department	department	PROPN
easat-2929	305	4	review	review	PROPN
easat-2929	305	5	,	,	PUNCT
easat-2929	305	6	january	january	PROPN
easat-2929	305	7	,	,	PUNCT
easat-2929	305	8	pp.17	pp.17	NOUN
easat-2929	305	9	-	-	SYM
easat-2929	305	10	23	23	NUM
easat-2929	305	11	.	.	PUNCT
easat-2929	306	1	[	[	X
easat-2929	306	2	21	21	NUM
easat-2929	306	3	]	]	PUNCT
easat-2929	306	4	nair	nair	NOUN
easat-2929	306	5	,	,	PUNCT
easat-2929	306	6	o.s	o.s	PROPN
easat-2929	306	7	.	.	PROPN
easat-2929	306	8	&	&	CCONJ
easat-2929	306	9	nair	nair	PROPN
easat-2929	306	10	,	,	PUNCT
easat-2929	306	11	e.g.	e.g.	ADV
easat-2929	306	12	(	(	PUNCT
easat-2929	306	13	2022	2022	NUM
easat-2929	306	14	)	)	PUNCT
easat-2929	306	15	.	.	PUNCT
easat-2929	307	1	impact	impact	NOUN
easat-2929	307	2	of	of	ADP
easat-2929	307	3	cyber	cyber	ADJ
easat-2929	307	4	policies	policy	NOUN
easat-2929	307	5	on	on	ADP
easat-2929	307	6	customer	customer	NOUN
easat-2929	307	7	satisfaction	satisfaction	NOUN
easat-2929	307	8	in	in	ADP
easat-2929	307	9	india	india	PROPN
easat-2929	307	10	.	.	PUNCT
easat-2929	308	1	journal	journal	PROPN
easat-2929	308	2	of	of	ADP
easat-2929	308	3	research	research	NOUN
easat-2929	308	4	in	in	ADP
easat-2929	308	5	international	international	ADJ
easat-2929	308	6	business	business	NOUN
easat-2929	308	7	management	management	NOUN
easat-2929	308	8	.	.	PUNCT
easat-2929	309	1	1(4	1(4	NUM
easat-2929	309	2	)	)	PUNCT
easat-2929	309	3	,	,	PUNCT
easat-2929	309	4	251	251	NUM
easat-2929	309	5	-	-	SYM
easat-2929	309	6	257	257	NUM
easat-2929	309	7	.	.	PUNCT
easat-2929	310	1	[	[	X
easat-2929	310	2	22	22	NUM
easat-2929	310	3	]	]	X
easat-2929	310	4	ogbabu	ogbabu	NOUN
easat-2929	310	5	,	,	PUNCT
easat-2929	310	6	t.	t.	PROPN
easat-2929	310	7	&	&	CCONJ
easat-2929	310	8	usman	usman	PROPN
easat-2929	310	9	,	,	PUNCT
easat-2929	310	10	a.	a.	NOUN
easat-2929	310	11	(	(	PUNCT
easat-2929	310	12	2022	2022	NUM
easat-2929	310	13	)	)	PUNCT
easat-2929	310	14	.	.	PUNCT
easat-2929	311	1	impact	impact	NOUN
easat-2929	311	2	cyber	cyber	NOUN
easat-2929	311	3	fraud	fraud	NOUN
easat-2929	311	4	on	on	ADP
easat-2929	311	5	customer	customer	NOUN
easat-2929	311	6	loyalty	loyalty	NOUN
easat-2929	311	7	and	and	CCONJ
easat-2929	311	8	banks	bank	NOUN
easat-2929	311	9	profitability	profitability	NOUN
easat-2929	311	10	in	in	ADP
easat-2929	311	11	keyan	keyan	PROPN
easat-2929	311	12	.	.	PUNCT
easat-2929	312	1	journal	journal	PROPN
easat-2929	312	2	of	of	ADP
easat-2929	312	3	business	business	NOUN
easat-2929	312	4	theory	theory	NOUN
easat-2929	312	5	and	and	CCONJ
easat-2929	312	6	practic	practic	ADJ
easat-2929	312	7	.	.	PUNCT
easat-2929	313	1	3(1	3(1	NUM
easat-2929	313	2	)	)	PUNCT
easat-2929	313	3	,	,	PUNCT
easat-2929	313	4	202	202	NUM
easat-2929	313	5	-	-	SYM
easat-2929	313	6	225	225	NUM
easat-2929	313	7	.	.	PUNCT
easat-2929	314	1	[	[	X
easat-2929	314	2	23	23	NUM
easat-2929	314	3	]	]	PUNCT
easat-2929	314	4	olayemi	olayemi	PROPN
easat-2929	314	5	,	,	PUNCT
easat-2929	314	6	b.	b.	PROPN
easat-2929	314	7	(	(	PUNCT
easat-2929	314	8	2023	2023	NUM
easat-2929	314	9	)	)	PUNCT
easat-2929	314	10	.	.	PUNCT
easat-2929	315	1	cybercrimes	cybercrime	NOUN
easat-2929	315	2	in	in	ADP
easat-2929	315	3	nigeria	nigeria	PROPN
easat-2929	315	4	:	:	PUNCT
easat-2929	315	5	analysis	analysis	NOUN
easat-2929	315	6	,	,	PUNCT
easat-2929	315	7	detection	detection	NOUN
easat-2929	315	8	and	and	CCONJ
easat-2929	315	9	prevention	prevention	NOUN
easat-2929	315	10	.	.	PUNCT
easat-2929	316	1	fuoye	fuoye	PROPN
easat-2929	316	2	journal	journal	PROPN
easat-2929	316	3	of	of	ADP
easat-2929	316	4	engineering	engineering	NOUN
easat-2929	316	5	and	and	CCONJ
easat-2929	316	6	technology	technology	NOUN
easat-2929	316	7	,	,	PUNCT
easat-2929	316	8	1	1	NUM
easat-2929	316	9	(	(	PUNCT
easat-2929	316	10	1	1	NUM
easat-2929	316	11	)	)	PUNCT
easat-2929	316	12	.	.	PUNCT
easat-2929	317	1	[	[	X
easat-2929	317	2	24	24	NUM
easat-2929	317	3	]	]	PUNCT
easat-2929	317	4	olufunke	olufunke	NOUN
easat-2929	317	5	,	,	PUNCT
easat-2929	317	6	o.o	o.o	PROPN
easat-2929	317	7	.	.	PROPN
easat-2929	317	8	(	(	PUNCT
easat-2929	317	9	2010	2010	NUM
easat-2929	317	10	)	)	PUNCT
easat-2929	317	11	.	.	PUNCT
easat-2929	318	1	computer	computer	NOUN
easat-2929	318	2	crimes	crime	NOUN
easat-2929	318	3	and	and	CCONJ
easat-2929	318	4	counter	counter	NOUN
easat-2929	318	5	measures	measure	NOUN
easat-2929	318	6	in	in	ADP
easat-2929	318	7	the	the	DET
easat-2929	318	8	nigerian	nigerian	ADJ
easat-2929	318	9	banking	banking	NOUN
easat-2929	318	10	sector	sector	NOUN
easat-2929	318	11	.	.	PUNCT
easat-2929	319	1	journal	journal	PROPN
easat-2929	319	2	of	of	ADP
easat-2929	319	3	internet	internet	NOUN
easat-2929	319	4	banking	banking	NOUN
easat-2929	319	5	and	and	CCONJ
easat-2929	319	6	commerce	commerce	PROPN
easat-2929	319	7	,	,	PUNCT
easat-2929	319	8	april	april	PROPN
easat-2929	319	9	,	,	PUNCT
easat-2929	319	10	volume	volume	NOUN
easat-2929	319	11	15	15	NUM
easat-2929	319	12	,	,	PUNCT
easat-2929	319	13	issue	issue	NOUN
easat-2929	319	14	no.1	no.1	NOUN
easat-2929	319	15	,	,	PUNCT
easat-2929	319	16	p.2	p.2	X
easat-2929	319	17	.	.	PUNCT
easat-2929	320	1	[	[	X
easat-2929	320	2	25	25	NUM
easat-2929	320	3	]	]	X
easat-2929	320	4	raghavan	raghavan	PROPN
easat-2929	320	5	,	,	PUNCT
easat-2929	320	6	r.	r.	PROPN
easat-2929	320	7	&	&	CCONJ
easat-2929	320	8	latha	latha	PROPN
easat-2929	320	9	,	,	PUNCT
easat-2929	320	10	p.	p.	NOUN
easat-2929	320	11	(	(	PUNCT
easat-2929	320	12	2014	2014	NUM
easat-2929	320	13	)	)	PUNCT
easat-2929	320	14	.	.	PUNCT
easat-2929	321	1	the	the	DET
easat-2929	321	2	effect	effect	NOUN
easat-2929	321	3	of	of	ADP
easat-2929	321	4	cybercrime	cybercrime	NOUN
easat-2929	321	5	on	on	ADP
easat-2929	321	6	a	a	DET
easat-2929	321	7	bank	bank	NOUN
easat-2929	321	8	's	's	PART
easat-2929	321	9	finances	finance	NOUN
easat-2929	321	10	.	.	PUNCT
easat-2929	322	1	international	international	ADJ
easat-2929	322	2	journal	journal	NOUN
easat-2929	322	3	of	of	ADP
easat-2929	322	4	current	current	ADJ
easat-2929	322	5	research	research	NOUN
easat-2929	322	6	and	and	CCONJ
easat-2929	322	7	academic	academic	ADJ
easat-2929	322	8	review	review	NOUN
easat-2929	322	9	,	,	PUNCT
easat-2929	322	10	2(2	2(2	NUM
easat-2929	322	11	)	)	PUNCT
easat-2929	322	12	,	,	PUNCT
easat-2929	322	13	173	173	NUM
easat-2929	322	14	-	-	SYM
easat-2929	322	15	178	178	NUM
easat-2929	322	16	.	.	PUNCT
easat-2929	323	1	[	[	X
easat-2929	323	2	26	26	NUM
easat-2929	323	3	]	]	X
easat-2929	323	4	salami	salami	NOUN
easat-2929	323	5	,	,	PUNCT
easat-2929	323	6	i.	i.	NOUN
easat-2929	323	7	(	(	PUNCT
easat-2929	323	8	2023	2023	NUM
easat-2929	323	9	)	)	PUNCT
easat-2929	323	10	.	.	PUNCT
easat-2929	324	1	cyber	cyber	NOUN
easat-2929	324	2	-	-	PUNCT
easat-2929	324	3	banking	banking	NOUN
easat-2929	324	4	fraud	fraud	NOUN
easat-2929	324	5	risk	risk	NOUN
easat-2929	324	6	mitigation	mitigation	NOUN
easat-2929	324	7	:	:	PUNCT
easat-2929	324	8	conceptual	conceptual	ADJ
easat-2929	324	9	model	model	NOUN
easat-2929	324	10	.	.	PUNCT
easat-2929	325	1	banks	bank	NOUN
easat-2929	325	2	and	and	CCONJ
easat-2929	325	3	bank	bank	NOUN
easat-2929	325	4	systems	system	NOUN
easat-2929	325	5	,	,	PUNCT
easat-2929	325	6	10	10	NUM
easat-2929	325	7	(	(	PUNCT
easat-2929	325	8	2	2	NUM
easat-2929	325	9	)	)	PUNCT
easat-2929	325	10	.	.	PUNCT
easat-2929	326	1	[	[	X
easat-2929	326	2	27	27	NUM
easat-2929	326	3	]	]	X
easat-2929	326	4	sanchi	sanchi	PROPN
easat-2929	326	5	,	,	PUNCT
easat-2929	326	6	a.	a.	NOUN
easat-2929	326	7	(	(	PUNCT
easat-2929	326	8	2016	2016	NUM
easat-2929	326	9	)	)	PUNCT
easat-2929	326	10	.	.	PUNCT
easat-2929	327	1	cybercrime	cybercrime	NOUN
easat-2929	327	2	in	in	ADP
easat-2929	327	3	banking	banking	NOUN
easat-2929	327	4	sector	sector	NOUN
easat-2929	327	5	.	.	PUNCT
easat-2929	328	1	research	research	NOUN
easat-2929	328	2	journal	journal	PROPN
easat-2929	328	3	of	of	ADP
easat-2929	328	4	management	management	NOUN
easat-2929	328	5	sciences	science	NOUN
easat-2929	328	6	.	.	PUNCT
easat-2929	329	1	3(4	3(4	NUM
easat-2929	329	2	)	)	PUNCT
easat-2929	329	3	,	,	PUNCT
easat-2929	329	4	140	140	NUM
easat-2929	329	5	-	-	SYM
easat-2929	329	6	152	152	NUM
easat-2929	329	7	.	.	PUNCT
easat-2929	330	1	[	[	X
easat-2929	330	2	28	28	NUM
easat-2929	330	3	]	]	X
easat-2929	330	4	seema	seema	PROPN
easat-2929	330	5	,	,	PUNCT
easat-2929	330	6	g.	g.	PROPN
easat-2929	330	7	(	(	PUNCT
easat-2929	330	8	2016	2016	NUM
easat-2929	330	9	)	)	PUNCT
easat-2929	330	10	,	,	PUNCT
easat-2929	330	11	cybercrime	cybercrime	NOUN
easat-2929	330	12	:	:	PUNCT
easat-2929	330	13	a	a	DET
easat-2929	330	14	growing	grow	VERB
easat-2929	330	15	threat	threat	NOUN
easat-2929	330	16	to	to	ADP
easat-2929	330	17	indian	indian	ADJ
easat-2929	330	18	banking	banking	NOUN
easat-2929	330	19	sector	sector	NOUN
easat-2929	330	20	.	.	PUNCT
easat-2929	331	1	international	international	ADJ
easat-2929	331	2	journal	journal	PROPN
easat-2929	331	3	of	of	ADP
easat-2929	331	4	science	science	NOUN
easat-2929	331	5	technology	technology	NOUN
easat-2929	331	6	and	and	CCONJ
easat-2929	331	7	management	management	NOUN
easat-2929	331	8	,	,	PUNCT
easat-2929	331	9	5	5	NUM
easat-2929	331	10	(	(	PUNCT
easat-2929	331	11	12	12	NUM
easat-2929	331	12	)	)	PUNCT
easat-2929	331	13	,	,	PUNCT
easat-2929	331	14	200	200	NUM
easat-2929	331	15	-	-	SYM
easat-2929	331	16	220	220	NUM
easat-2929	331	17	.	.	PUNCT
easat-2929	332	1	[	[	X
easat-2929	332	2	29	29	NUM
easat-2929	332	3	]	]	PUNCT
easat-2929	332	4	sharma	sharma	PROPN
easat-2929	332	5	,	,	PUNCT
easat-2929	332	6	a.k	a.k	PROPN
easat-2929	332	7	.	.	PROPN
easat-2929	332	8	&	&	CCONJ
easat-2929	332	9	nanda	nanda	PROPN
easat-2929	332	10	,	,	PUNCT
easat-2929	332	11	g.l	g.l	PROPN
easat-2929	332	12	(	(	PUNCT
easat-2929	332	13	2006	2006	NUM
easat-2929	332	14	)	)	PUNCT
easat-2929	332	15	.	.	PUNCT
easat-2929	333	1	frauds	fraud	NOUN
easat-2929	333	2	in	in	ADP
easat-2929	333	3	credit	credit	NOUN
easat-2929	333	4	card	card	NOUN
easat-2929	333	5	business	business	NOUN
easat-2929	333	6	.	.	PUNCT
easat-2929	334	1	banking	banking	NOUN
easat-2929	334	2	finance	finance	NOUN
easat-2929	334	3	,	,	PUNCT
easat-2929	334	4	volume	volume	NOUN
easat-2929	334	5	,	,	PUNCT
easat-2929	334	6	issue	issue	NOUN
easat-2929	334	7	no.7	no.7	PROPN
easat-2929	334	8	,	,	PUNCT
easat-2929	334	9	p.15	p.15	PROPN
easat-2929	334	10	.	.	PUNCT
easat-2929	335	1	[	[	X
easat-2929	335	2	30	30	NUM
easat-2929	335	3	]	]	X
easat-2929	335	4	shewangu	shewangu	NOUN
easat-2929	335	5	,	,	PUNCT
easat-2929	335	6	d.	d.	PROPN
easat-2929	335	7	(	(	PUNCT
easat-2929	335	8	2022	2022	NUM
easat-2929	335	9	)	)	PUNCT
easat-2929	335	10	.	.	PUNCT
easat-2929	336	1	cyber	cyber	NOUN
easat-2929	336	2	-	-	PUNCT
easat-2929	336	3	banking	banking	NOUN
easat-2929	336	4	fraud	fraud	NOUN
easat-2929	336	5	risk	risk	NOUN
easat-2929	336	6	mitigation	mitigation	NOUN
easat-2929	336	7	:	:	PUNCT
easat-2929	336	8	conceptual	conceptual	ADJ
easat-2929	336	9	model	model	NOUN
easat-2929	336	10	.	.	PUNCT
easat-2929	337	1	banks	bank	NOUN
easat-2929	337	2	and	and	CCONJ
easat-2929	337	3	bank	bank	NOUN
easat-2929	337	4	systems	system	NOUN
easat-2929	337	5	,	,	PUNCT
easat-2929	337	6	10(2),180	10(2),180	X
easat-2929	337	7	-	-	PUNCT
easat-2929	337	8	201	201	NUM
easat-2929	337	9	.	.	PUNCT
easat-2929	338	1	[	[	X
easat-2929	338	2	31	31	NUM
easat-2929	338	3	]	]	X
easat-2929	338	4	wada	wada	PROPN
easat-2929	338	5	,	,	PUNCT
easat-2929	338	6	f.	f.	PROPN
easat-2929	338	7	(	(	PUNCT
easat-2929	338	8	2022	2022	NUM
easat-2929	338	9	)	)	PUNCT
easat-2929	338	10	.	.	PUNCT
easat-2929	339	1	electronic	electronic	ADJ
easat-2929	339	2	banking	banking	NOUN
easat-2929	339	3	and	and	CCONJ
easat-2929	339	4	cybercrime	cybercrime	NOUN
easat-2929	339	5	in	in	ADP
easat-2929	339	6	nigeria	nigeria	PROPN
easat-2929	339	7	a	a	DET
easat-2929	339	8	theoretical	theoretical	ADJ
easat-2929	339	9	policy	policy	NOUN
easat-2929	339	10	perspective	perspective	NOUN
easat-2929	339	11	on	on	ADP
easat-2929	339	12	causation	causation	NOUN
easat-2929	339	13	.	.	PUNCT
easat-2929	340	1	african	african	ADJ
easat-2929	340	2	journal	journal	NOUN
easat-2929	340	3	of	of	ADP
easat-2929	340	4	computing	computing	NOUN
easat-2929	340	5	and	and	CCONJ
easat-2929	340	6	ict	ict	PROPN
easat-2929	340	7	,	,	PUNCT
easat-2929	340	8	4(3),130	4(3),130	PROPN
easat-2929	340	9	-	-	PUNCT
easat-2929	340	10	146	146	NUM
easat-2929	340	11	.	.	PUNCT
easat-2929	341	1	https://doi.org/10.47153/jbmr25.1402021	https://doi.org/10.47153/jbmr25.1402021	PROPN
easat-2929	341	2	4290	4290	NUM
easat-2929	341	3	edelweiss	edelweiss	PROPN
easat-2929	341	4	applied	apply	VERB
easat-2929	341	5	science	science	NOUN
easat-2929	341	6	and	and	CCONJ
easat-2929	341	7	technology	technology	NOUN
easat-2929	341	8	issn	issn	PROPN
easat-2929	341	9	:	:	PUNCT
easat-2929	341	10	2576	2576	NUM
easat-2929	341	11	-	-	SYM
easat-2929	341	12	8484	8484	NUM
easat-2929	341	13	vol	vol	NOUN
easat-2929	341	14	.	.	PROPN
easat-2929	341	15	8	8	NUM
easat-2929	341	16	,	,	PUNCT
easat-2929	341	17	no	no	INTJ
easat-2929	341	18	.	.	NOUN
easat-2929	342	1	6	6	NUM
easat-2929	342	2	:	:	SYM
easat-2929	342	3	4281	4281	NUM
easat-2929	342	4	-	-	SYM
easat-2929	342	5	4290	4290	NUM
easat-2929	342	6	,	,	PUNCT
easat-2929	342	7	2024	2024	NUM
easat-2929	342	8	doi	doi	NOUN
easat-2929	342	9	:	:	PUNCT
easat-2929	342	10	10.55214/25768484.v8i6.2929	10.55214/25768484.v8i6.2929	NUM
easat-2929	343	1	©	©	PROPN
easat-2929	343	2	2024	2024	NUM
easat-2929	343	3	by	by	ADP
easat-2929	343	4	the	the	DET
easat-2929	343	5	authors	author	NOUN
easat-2929	343	6	;	;	PUNCT
easat-2929	343	7	licensee	licensee	PROPN
easat-2929	343	8	learning	learn	VERB
easat-2929	343	9	gate	gate	NOUN
easat-2929	343	10	appendix	appendix	NOUN