id	sid	tid	token	lemma	pos
easat-5250	1	1	edelweiss	edelweiss	PROPN
easat-5250	1	2	applied	apply	VERB
easat-5250	1	3	science	science	NOUN
easat-5250	1	4	and	and	CCONJ
easat-5250	1	5	technology	technology	NOUN
easat-5250	1	6	issn	issn	PROPN
easat-5250	1	7	:	:	PUNCT
easat-5250	1	8	2576	2576	NUM
easat-5250	1	9	-	-	SYM
easat-5250	1	10	8484	8484	NUM
easat-5250	1	11	vol	vol	NOUN
easat-5250	1	12	.	.	PROPN
easat-5250	2	1	9	9	NUM
easat-5250	2	2	,	,	PUNCT
easat-5250	2	3	no	no	INTJ
easat-5250	2	4	.	.	NOUN
easat-5250	2	5	3	3	NUM
easat-5250	2	6	,	,	PUNCT
easat-5250	2	7	489	489	NUM
easat-5250	2	8	-	-	SYM
easat-5250	2	9	510	510	NUM
easat-5250	2	10	2025	2025	NUM
easat-5250	2	11	publisher	publisher	NOUN
easat-5250	2	12	:	:	PUNCT
easat-5250	2	13	learning	learn	VERB
easat-5250	2	14	gate	gate	NOUN
easat-5250	2	15	doi	doi	PROPN
easat-5250	2	16	:	:	PUNCT
easat-5250	2	17	10.55214/25768484.v9i3.5250	10.55214/25768484.v9i3.5250	NUM
easat-5250	2	18	©	©	PROPN
easat-5250	2	19	2025	2025	NUM
easat-5250	2	20	by	by	ADP
easat-5250	2	21	the	the	DET
easat-5250	2	22	authors	author	NOUN
easat-5250	2	23	;	;	PUNCT
easat-5250	3	1	licensee	licensee	PROPN
easat-5250	3	2	learning	learning	NOUN
easat-5250	3	3	gate	gate	NOUN
easat-5250	3	4	©	©	PROPN
easat-5250	3	5	2025	2025	NUM
easat-5250	3	6	by	by	ADP
easat-5250	3	7	the	the	DET
easat-5250	3	8	authors	author	NOUN
easat-5250	3	9	;	;	PUNCT
easat-5250	3	10	licensee	licensee	PROPN
easat-5250	3	11	learning	learning	NOUN
easat-5250	3	12	gate	gate	NOUN
easat-5250	3	13	history	history	NOUN
easat-5250	3	14	:	:	PUNCT
easat-5250	3	15	received	receive	VERB
easat-5250	3	16	:	:	PUNCT
easat-5250	3	17	6	6	NUM
easat-5250	3	18	january	january	NOUN
easat-5250	3	19	2025	2025	NUM
easat-5250	3	20	;	;	PUNCT
easat-5250	3	21	revised	revise	VERB
easat-5250	3	22	:	:	PUNCT
easat-5250	3	23	21	21	NUM
easat-5250	3	24	february	february	NOUN
easat-5250	3	25	2025	2025	NUM
easat-5250	3	26	;	;	PUNCT
easat-5250	3	27	accepted	accept	VERB
easat-5250	3	28	:	:	PUNCT
easat-5250	3	29	21	21	NUM
easat-5250	3	30	february	february	NOUN
easat-5250	3	31	2025	2025	NUM
easat-5250	3	32	;	;	PUNCT
easat-5250	3	33	published	publish	VERB
easat-5250	3	34	:	:	PUNCT
easat-5250	3	35	7	7	NUM
easat-5250	3	36	march	march	NOUN
easat-5250	3	37	2025	2025	NUM
easat-5250	3	38	*	*	PUNCT
easat-5250	3	39	correspondence	correspondence	NOUN
easat-5250	3	40	:	:	PUNCT
easat-5250	3	41	maysya.hartanti@binus.ac.id	maysya.hartanti@binus.ac.id	NUM
easat-5250	3	42	analysis	analysis	NOUN
easat-5250	3	43	of	of	ADP
easat-5250	3	44	digital	digital	ADJ
easat-5250	3	45	banking	banking	NOUN
easat-5250	3	46	service	service	NOUN
easat-5250	3	47	perceptions	perception	NOUN
easat-5250	3	48	and	and	CCONJ
easat-5250	3	49	its	its	PRON
easat-5250	3	50	impact	impact	NOUN
easat-5250	3	51	on	on	ADP
easat-5250	3	52	customer	customer	NOUN
easat-5250	3	53	satisfaction	satisfaction	NOUN
easat-5250	3	54	among	among	ADP
easat-5250	3	55	generation	generation	NOUN
easat-5250	3	56	z	z	PROPN
easat-5250	3	57	maysya	maysya	PROPN
easat-5250	3	58	hartanti1	hartanti1	PROPN
easat-5250	3	59	*	*	PUNCT
easat-5250	3	60	,	,	PUNCT
easat-5250	3	61	yohannes	yohanne	NOUN
easat-5250	3	62	kurniawan2	kurniawan2	NOUN
easat-5250	4	1	1,2accounting	1,2accounting	NUM
easat-5250	4	2	department	department	NOUN
easat-5250	4	3	,	,	PUNCT
easat-5250	4	4	school	school	NOUN
easat-5250	4	5	of	of	ADP
easat-5250	4	6	accounting	accounting	NOUN
easat-5250	4	7	–	–	PUNCT
easat-5250	4	8	master	master	NOUN
easat-5250	4	9	of	of	ADP
easat-5250	4	10	accounting	accounting	PROPN
easat-5250	4	11	,	,	PUNCT
easat-5250	4	12	bina	bina	PROPN
easat-5250	4	13	nusantara	nusantara	PROPN
easat-5250	4	14	university	university	PROPN
easat-5250	4	15	,	,	PUNCT
easat-5250	4	16	jakarta	jakarta	PROPN
easat-5250	4	17	,	,	PUNCT
easat-5250	4	18	indonesia	indonesia	PROPN
easat-5250	4	19	11480	11480	NUM
easat-5250	4	20	;	;	PUNCT
easat-5250	4	21	maysya.hartanti@binus.ac.id	maysya.hartanti@binus.ac.id	NUM
easat-5250	4	22	(	(	PUNCT
easat-5250	4	23	m.h	m.h	PROPN
easat-5250	4	24	.	.	PUNCT
easat-5250	4	25	)	)	PUNCT
easat-5250	5	1	ykurniawan@binus.edu	ykurniawan@binus.edu	INTJ
easat-5250	6	1	(	(	PUNCT
easat-5250	6	2	y.k	y.k	PROPN
easat-5250	6	3	.	.	PROPN
easat-5250	6	4	)	)	PUNCT
easat-5250	6	5	.	.	PUNCT
easat-5250	7	1	abstract	abstract	ADJ
easat-5250	7	2	:	:	PUNCT
easat-5250	7	3	digital	digital	ADJ
easat-5250	7	4	banking	banking	NOUN
easat-5250	7	5	has	have	AUX
easat-5250	7	6	significantly	significantly	ADV
easat-5250	7	7	altered	alter	VERB
easat-5250	7	8	financial	financial	ADJ
easat-5250	7	9	services	service	NOUN
easat-5250	7	10	by	by	ADP
easat-5250	7	11	facilitating	facilitate	VERB
easat-5250	7	12	transactions	transaction	NOUN
easat-5250	7	13	and	and	CCONJ
easat-5250	7	14	financial	financial	ADJ
easat-5250	7	15	management	management	NOUN
easat-5250	7	16	via	via	ADP
easat-5250	7	17	online	online	ADJ
easat-5250	7	18	platforms	platform	NOUN
easat-5250	7	19	.	.	PUNCT
easat-5250	8	1	the	the	DET
easat-5250	8	2	swift	swift	ADJ
easat-5250	8	3	growth	growth	NOUN
easat-5250	8	4	of	of	ADP
easat-5250	8	5	indonesia	indonesia	PROPN
easat-5250	8	6	's	's	PART
easat-5250	8	7	digital	digital	ADJ
easat-5250	8	8	banking	banking	NOUN
easat-5250	8	9	sector	sector	NOUN
easat-5250	8	10	underscores	underscore	VERB
easat-5250	8	11	the	the	DET
easat-5250	8	12	necessity	necessity	NOUN
easat-5250	8	13	of	of	ADP
easat-5250	8	14	comprehending	comprehend	VERB
easat-5250	8	15	the	the	DET
easat-5250	8	16	factors	factor	NOUN
easat-5250	8	17	influencing	influence	VERB
easat-5250	8	18	generation	generation	NOUN
easat-5250	8	19	z	z	PROPN
easat-5250	8	20	's	's	PART
easat-5250	8	21	satisfaction	satisfaction	NOUN
easat-5250	8	22	to	to	PART
easat-5250	8	23	enhance	enhance	VERB
easat-5250	8	24	service	service	NOUN
easat-5250	8	25	quality	quality	NOUN
easat-5250	8	26	.	.	PUNCT
easat-5250	9	1	as	as	ADP
easat-5250	9	2	digital	digital	ADJ
easat-5250	9	3	natives	native	NOUN
easat-5250	9	4	,	,	PUNCT
easat-5250	9	5	generation	generation	NOUN
easat-5250	9	6	z	z	NOUN
easat-5250	9	7	is	be	AUX
easat-5250	9	8	crucial	crucial	ADJ
easat-5250	9	9	in	in	ADP
easat-5250	9	10	driving	drive	VERB
easat-5250	9	11	growth	growth	NOUN
easat-5250	9	12	within	within	ADP
easat-5250	9	13	the	the	DET
easat-5250	9	14	sector	sector	NOUN
easat-5250	9	15	.	.	PUNCT
easat-5250	10	1	this	this	DET
easat-5250	10	2	research	research	NOUN
easat-5250	10	3	examines	examine	VERB
easat-5250	10	4	the	the	DET
easat-5250	10	5	primary	primary	ADJ
easat-5250	10	6	elements	element	NOUN
easat-5250	10	7	affecting	affect	VERB
easat-5250	10	8	their	their	PRON
easat-5250	10	9	satisfaction	satisfaction	NOUN
easat-5250	10	10	with	with	ADP
easat-5250	10	11	digital	digital	ADJ
easat-5250	10	12	banking	banking	NOUN
easat-5250	10	13	services	service	NOUN
easat-5250	10	14	in	in	ADP
easat-5250	10	15	greater	great	ADJ
easat-5250	10	16	jakarta	jakarta	PROPN
easat-5250	10	17	,	,	PUNCT
easat-5250	10	18	utilizing	utilize	VERB
easat-5250	10	19	data	datum	NOUN
easat-5250	10	20	collected	collect	VERB
easat-5250	10	21	from	from	ADP
easat-5250	10	22	400	400	NUM
easat-5250	10	23	participants	participant	NOUN
easat-5250	10	24	.	.	PUNCT
easat-5250	11	1	a	a	DET
easat-5250	11	2	structured	structured	ADJ
easat-5250	11	3	questionnaire	questionnaire	NOUN
easat-5250	11	4	was	be	AUX
easat-5250	11	5	employed	employ	VERB
easat-5250	11	6	,	,	PUNCT
easat-5250	11	7	and	and	CCONJ
easat-5250	11	8	the	the	DET
easat-5250	11	9	data	datum	NOUN
easat-5250	11	10	were	be	AUX
easat-5250	11	11	analyzed	analyze	VERB
easat-5250	11	12	using	use	VERB
easat-5250	11	13	the	the	DET
easat-5250	11	14	structural	structural	ADJ
easat-5250	11	15	equation	equation	NOUN
easat-5250	11	16	model	model	NOUN
easat-5250	11	17	partial	partial	ADJ
easat-5250	11	18	least	least	ADV
easat-5250	11	19	square	square	ADJ
easat-5250	11	20	(	(	PUNCT
easat-5250	11	21	sem	sem	NOUN
easat-5250	11	22	-	-	PUNCT
easat-5250	11	23	pls	pls	NOUN
easat-5250	11	24	)	)	PUNCT
easat-5250	11	25	method	method	NOUN
easat-5250	11	26	through	through	ADP
easat-5250	11	27	smartpls	smartpls	NOUN
easat-5250	11	28	4.1.0.8	4.1.0.8	NUM
easat-5250	11	29	,	,	PUNCT
easat-5250	11	30	adopting	adopt	VERB
easat-5250	11	31	an	an	DET
easat-5250	11	32	extended	extended	ADJ
easat-5250	11	33	e	e	NOUN
easat-5250	11	34	-	-	ADJ
easat-5250	11	35	s	s	ADP
easat-5250	11	36	-	-	PUNCT
easat-5250	11	37	qual	qual	ADJ
easat-5250	11	38	framework	framework	NOUN
easat-5250	11	39	.	.	PUNCT
easat-5250	12	1	the	the	DET
easat-5250	12	2	analysis	analysis	NOUN
easat-5250	12	3	evaluates	evaluate	VERB
easat-5250	12	4	efficiency	efficiency	NOUN
easat-5250	12	5	,	,	PUNCT
easat-5250	12	6	fulfillment	fulfillment	NOUN
easat-5250	12	7	,	,	PUNCT
easat-5250	12	8	system	system	NOUN
easat-5250	12	9	availability	availability	NOUN
easat-5250	12	10	,	,	PUNCT
easat-5250	12	11	security	security	NOUN
easat-5250	12	12	,	,	PUNCT
easat-5250	12	13	trust	trust	NOUN
easat-5250	12	14	,	,	PUNCT
easat-5250	12	15	convenience	convenience	NOUN
easat-5250	12	16	,	,	PUNCT
easat-5250	12	17	and	and	CCONJ
easat-5250	12	18	promotional	promotional	ADJ
easat-5250	12	19	policies	policy	NOUN
easat-5250	12	20	.	.	PUNCT
easat-5250	13	1	the	the	DET
easat-5250	13	2	findings	finding	NOUN
easat-5250	13	3	indicate	indicate	VERB
easat-5250	13	4	that	that	PRON
easat-5250	13	5	efficiency	efficiency	NOUN
easat-5250	13	6	,	,	PUNCT
easat-5250	13	7	trust	trust	NOUN
easat-5250	13	8	,	,	PUNCT
easat-5250	13	9	convenience	convenience	NOUN
easat-5250	13	10	,	,	PUNCT
easat-5250	13	11	and	and	CCONJ
easat-5250	13	12	promotional	promotional	ADJ
easat-5250	13	13	policies	policy	NOUN
easat-5250	13	14	significantly	significantly	ADV
easat-5250	13	15	impact	impact	VERB
easat-5250	13	16	customer	customer	NOUN
easat-5250	13	17	satisfaction	satisfaction	NOUN
easat-5250	13	18	.	.	PUNCT
easat-5250	14	1	in	in	ADP
easat-5250	14	2	contrast	contrast	NOUN
easat-5250	14	3	,	,	PUNCT
easat-5250	14	4	fulfillment	fulfillment	NOUN
easat-5250	14	5	,	,	PUNCT
easat-5250	14	6	system	system	NOUN
easat-5250	14	7	availability	availability	NOUN
easat-5250	14	8	,	,	PUNCT
easat-5250	14	9	and	and	CCONJ
easat-5250	14	10	security	security	NOUN
easat-5250	14	11	exhibited	exhibit	VERB
easat-5250	14	12	no	no	DET
easat-5250	14	13	significant	significant	ADJ
easat-5250	14	14	effect	effect	NOUN
easat-5250	14	15	on	on	ADP
easat-5250	14	16	customer	customer	NOUN
easat-5250	14	17	satisfaction	satisfaction	NOUN
easat-5250	14	18	.	.	PUNCT
easat-5250	15	1	service	service	NOUN
easat-5250	15	2	providers	provider	NOUN
easat-5250	15	3	must	must	AUX
easat-5250	15	4	enhance	enhance	VERB
easat-5250	15	5	these	these	DET
easat-5250	15	6	factors	factor	NOUN
easat-5250	15	7	while	while	SCONJ
easat-5250	15	8	re	re	VERB
easat-5250	15	9	-	-	VERB
easat-5250	15	10	evaluating	evaluate	VERB
easat-5250	15	11	less	less	ADV
easat-5250	15	12	influential	influential	ADJ
easat-5250	15	13	aspects	aspect	NOUN
easat-5250	15	14	.	.	PUNCT
easat-5250	16	1	this	this	DET
easat-5250	16	2	study	study	NOUN
easat-5250	16	3	contributes	contribute	VERB
easat-5250	16	4	to	to	ADP
easat-5250	16	5	the	the	DET
easat-5250	16	6	existing	exist	VERB
easat-5250	16	7	literature	literature	NOUN
easat-5250	16	8	on	on	ADP
easat-5250	16	9	digital	digital	ADJ
easat-5250	16	10	banking	banking	NOUN
easat-5250	16	11	and	and	CCONJ
easat-5250	16	12	offers	offer	VERB
easat-5250	16	13	practical	practical	ADJ
easat-5250	16	14	recommendations	recommendation	NOUN
easat-5250	16	15	for	for	ADP
easat-5250	16	16	optimizing	optimize	VERB
easat-5250	16	17	service	service	NOUN
easat-5250	16	18	quality	quality	NOUN
easat-5250	16	19	.	.	PUNCT
easat-5250	17	1	future	future	ADJ
easat-5250	17	2	research	research	NOUN
easat-5250	17	3	should	should	AUX
easat-5250	17	4	explore	explore	VERB
easat-5250	17	5	the	the	DET
easat-5250	17	6	moderating	moderate	VERB
easat-5250	17	7	effects	effect	NOUN
easat-5250	17	8	of	of	ADP
easat-5250	17	9	gender	gender	NOUN
easat-5250	17	10	and	and	CCONJ
easat-5250	17	11	economic	economic	ADJ
easat-5250	17	12	status	status	NOUN
easat-5250	17	13	,	,	PUNCT
easat-5250	17	14	expanding	expand	VERB
easat-5250	17	15	the	the	DET
easat-5250	17	16	sample	sample	NOUN
easat-5250	17	17	to	to	PART
easat-5250	17	18	include	include	VERB
easat-5250	17	19	millennials	millennial	NOUN
easat-5250	17	20	(	(	PUNCT
easat-5250	17	21	generation	generation	NOUN
easat-5250	17	22	y	y	NOUN
easat-5250	17	23	)	)	PUNCT
easat-5250	17	24	for	for	ADP
easat-5250	17	25	comparative	comparative	ADJ
easat-5250	17	26	insights	insight	NOUN
easat-5250	17	27	.	.	PUNCT
easat-5250	18	1	keywords	keyword	NOUN
easat-5250	18	2	:	:	PUNCT
easat-5250	18	3	customer	customer	NOUN
easat-5250	18	4	satisfaction	satisfaction	NOUN
easat-5250	18	5	,	,	PUNCT
easat-5250	18	6	digital	digital	ADJ
easat-5250	18	7	banking	banking	NOUN
easat-5250	18	8	,	,	PUNCT
easat-5250	18	9	e	e	PROPN
easat-5250	18	10	-	-	ADJ
easat-5250	18	11	s	s	X
easat-5250	18	12	-	-	PUNCT
easat-5250	18	13	qual	qual	ADJ
easat-5250	18	14	,	,	PUNCT
easat-5250	18	15	generation	generation	NOUN
easat-5250	18	16	z	z	NOUN
easat-5250	18	17	,	,	PUNCT
easat-5250	18	18	service	service	NOUN
easat-5250	18	19	quality	quality	NOUN
easat-5250	18	20	.	.	PUNCT
easat-5250	19	1	1	1	X
easat-5250	19	2	.	.	X
easat-5250	19	3	introduction	introduction	NOUN
easat-5250	19	4	the	the	DET
easat-5250	19	5	global	global	ADJ
easat-5250	19	6	financial	financial	ADJ
easat-5250	19	7	industry	industry	NOUN
easat-5250	19	8	has	have	AUX
easat-5250	19	9	undergone	undergo	VERB
easat-5250	19	10	major	major	ADJ
easat-5250	19	11	changes	change	NOUN
easat-5250	19	12	with	with	ADP
easat-5250	19	13	the	the	DET
easat-5250	19	14	emergence	emergence	NOUN
easat-5250	19	15	of	of	ADP
easat-5250	19	16	digital	digital	ADJ
easat-5250	19	17	banking	banking	NOUN
easat-5250	19	18	,	,	PUNCT
easat-5250	19	19	driven	drive	VERB
easat-5250	19	20	by	by	ADP
easat-5250	19	21	the	the	DET
easat-5250	19	22	development	development	NOUN
easat-5250	19	23	of	of	ADP
easat-5250	19	24	internet	internet	NOUN
easat-5250	19	25	technology	technology	NOUN
easat-5250	19	26	and	and	CCONJ
easat-5250	19	27	the	the	DET
easat-5250	19	28	widespread	widespread	ADJ
easat-5250	19	29	use	use	NOUN
easat-5250	19	30	of	of	ADP
easat-5250	19	31	smartphones	smartphone	NOUN
easat-5250	19	32	[	[	X
easat-5250	19	33	1	1	NUM
easat-5250	19	34	]	]	PUNCT
easat-5250	19	35	.	.	PUNCT
easat-5250	20	1	digital	digital	ADJ
easat-5250	20	2	banking	banking	NOUN
easat-5250	20	3	offers	offer	VERB
easat-5250	20	4	faster	fast	ADJ
easat-5250	20	5	,	,	PUNCT
easat-5250	20	6	more	more	ADV
easat-5250	20	7	efficient	efficient	ADJ
easat-5250	20	8	and	and	CCONJ
easat-5250	20	9	convenient	convenient	ADJ
easat-5250	20	10	transactions	transaction	NOUN
easat-5250	20	11	compared	compare	VERB
easat-5250	20	12	to	to	ADP
easat-5250	20	13	traditional	traditional	ADJ
easat-5250	20	14	banking	banking	NOUN
easat-5250	20	15	,	,	PUNCT
easat-5250	20	16	and	and	CCONJ
easat-5250	20	17	allows	allow	VERB
easat-5250	20	18	users	user	NOUN
easat-5250	20	19	to	to	PART
easat-5250	20	20	access	access	VERB
easat-5250	20	21	various	various	ADJ
easat-5250	20	22	financial	financial	ADJ
easat-5250	20	23	services	service	NOUN
easat-5250	20	24	,	,	PUNCT
easat-5250	20	25	such	such	ADJ
easat-5250	20	26	as	as	ADP
easat-5250	20	27	savings	saving	NOUN
easat-5250	20	28	,	,	PUNCT
easat-5250	20	29	investments	investment	NOUN
easat-5250	20	30	and	and	CCONJ
easat-5250	20	31	virtual	virtual	ADJ
easat-5250	20	32	credit	credit	NOUN
easat-5250	20	33	cards	card	NOUN
easat-5250	20	34	,	,	PUNCT
easat-5250	20	35	without	without	ADP
easat-5250	20	36	the	the	DET
easat-5250	20	37	need	need	NOUN
easat-5250	20	38	to	to	PART
easat-5250	20	39	visit	visit	VERB
easat-5250	20	40	a	a	DET
easat-5250	20	41	physical	physical	ADJ
easat-5250	20	42	branch	branch	NOUN
easat-5250	20	43	office	office	NOUN
easat-5250	20	44	windasari	windasari	NOUN
easat-5250	20	45	,	,	PUNCT
easat-5250	20	46	et	et	PROPN
easat-5250	20	47	al	al	PROPN
easat-5250	20	48	.	.	PUNCT
easat-5250	21	1	[	[	X
easat-5250	21	2	2	2	NUM
easat-5250	21	3	]	]	PUNCT
easat-5250	21	4	.	.	PUNCT
easat-5250	22	1	world	world	PROPN
easat-5250	22	2	bank	bank	PROPN
easat-5250	23	1	[	[	X
easat-5250	23	2	3	3	NUM
easat-5250	23	3	]	]	PUNCT
easat-5250	23	4	notes	note	NOUN
easat-5250	23	5	that	that	SCONJ
easat-5250	23	6	there	there	PRON
easat-5250	23	7	are	be	VERB
easat-5250	23	8	approximately	approximately	ADV
easat-5250	23	9	97.74	97.74	NUM
easat-5250	23	10	million	million	NUM
easat-5250	23	11	adults	adult	NOUN
easat-5250	23	12	in	in	ADP
easat-5250	23	13	indonesia	indonesia	PROPN
easat-5250	23	14	who	who	PRON
easat-5250	23	15	are	be	AUX
easat-5250	23	16	unbanked	unbanked	ADJ
easat-5250	23	17	,	,	PUNCT
easat-5250	23	18	making	make	VERB
easat-5250	23	19	indonesia	indonesia	PROPN
easat-5250	23	20	one	one	NUM
easat-5250	23	21	of	of	ADP
easat-5250	23	22	the	the	DET
easat-5250	23	23	largest	large	ADJ
easat-5250	23	24	unbanked	unbanked	ADJ
easat-5250	23	25	populations	population	NOUN
easat-5250	23	26	in	in	ADP
easat-5250	23	27	the	the	DET
easat-5250	23	28	world	world	NOUN
easat-5250	23	29	.	.	PUNCT
easat-5250	24	1	the	the	DET
easat-5250	24	2	rapid	rapid	ADJ
easat-5250	24	3	growth	growth	NOUN
easat-5250	24	4	of	of	ADP
easat-5250	24	5	digital	digital	ADJ
easat-5250	24	6	banking	banking	NOUN
easat-5250	24	7	in	in	ADP
easat-5250	24	8	indonesia	indonesia	PROPN
easat-5250	24	9	is	be	AUX
easat-5250	24	10	also	also	ADV
easat-5250	24	11	characterized	characterize	VERB
easat-5250	24	12	by	by	ADP
easat-5250	24	13	the	the	DET
easat-5250	24	14	total	total	ADJ
easat-5250	24	15	value	value	NOUN
easat-5250	24	16	of	of	ADP
easat-5250	24	17	digital	digital	ADJ
easat-5250	24	18	banking	banking	NOUN
easat-5250	24	19	transactions	transaction	NOUN
easat-5250	24	20	reaching	reach	VERB
easat-5250	24	21	idr5,570.49	idr5,570.49	NOUN
easat-5250	24	22	trillion	trillion	NUM
easat-5250	24	23	in	in	ADP
easat-5250	24	24	may	may	PROPN
easat-5250	24	25	2024	2024	NUM
easat-5250	24	26	,	,	PUNCT
easat-5250	24	27	an	an	DET
easat-5250	24	28	increase	increase	NOUN
easat-5250	24	29	of	of	ADP
easat-5250	24	30	10.82	10.82	NUM
easat-5250	24	31	%	%	NOUN
easat-5250	24	32	compared	compare	VERB
easat-5250	24	33	to	to	ADP
easat-5250	24	34	the	the	DET
easat-5250	24	35	previous	previous	ADJ
easat-5250	24	36	year	year	NOUN
easat-5250	24	37	[	[	X
easat-5250	24	38	4	4	NUM
easat-5250	24	39	]	]	PUNCT
easat-5250	24	40	.	.	PUNCT
easat-5250	25	1	this	this	DET
easat-5250	25	2	increase	increase	NOUN
easat-5250	25	3	is	be	AUX
easat-5250	25	4	driven	drive	VERB
easat-5250	25	5	by	by	ADP
easat-5250	25	6	the	the	DET
easat-5250	25	7	large	large	ADJ
easat-5250	25	8	population	population	NOUN
easat-5250	25	9	of	of	ADP
easat-5250	25	10	generation	generation	NOUN
easat-5250	25	11	z	z	PROPN
easat-5250	25	12	,	,	PUNCT
easat-5250	25	13	which	which	PRON
easat-5250	25	14	is	be	AUX
easat-5250	25	15	the	the	DET
easat-5250	25	16	largest	large	ADJ
easat-5250	25	17	demographic	demographic	ADJ
easat-5250	25	18	group	group	NOUN
easat-5250	25	19	in	in	ADP
easat-5250	25	20	indonesia	indonesia	PROPN
easat-5250	25	21	and	and	CCONJ
easat-5250	25	22	plays	play	VERB
easat-5250	25	23	an	an	DET
easat-5250	25	24	important	important	ADJ
easat-5250	25	25	role	role	NOUN
easat-5250	25	26	in	in	ADP
easat-5250	25	27	the	the	DET
easat-5250	25	28	digital	digital	ADJ
easat-5250	25	29	economy	economy	NOUN
easat-5250	25	30	.	.	PUNCT
easat-5250	26	1	generation	generation	NOUN
easat-5250	26	2	z	z	PROPN
easat-5250	26	3	shows	show	VERB
easat-5250	26	4	a	a	DET
easat-5250	26	5	prominent	prominent	ADJ
easat-5250	26	6	ability	ability	NOUN
easat-5250	26	7	to	to	PART
easat-5250	26	8	use	use	VERB
easat-5250	26	9	digital	digital	ADJ
easat-5250	26	10	banking	banking	NOUN
easat-5250	26	11	services	service	NOUN
easat-5250	26	12	and	and	CCONJ
easat-5250	26	13	a	a	DET
easat-5250	26	14	strong	strong	ADJ
easat-5250	26	15	tendency	tendency	NOUN
easat-5250	26	16	to	to	PART
easat-5250	26	17	utilize	utilize	VERB
easat-5250	26	18	them	they	PRON
easat-5250	26	19	,	,	PUNCT
easat-5250	26	20	although	although	SCONJ
easat-5250	26	21	it	it	PRON
easat-5250	26	22	may	may	AUX
easat-5250	26	23	face	face	VERB
easat-5250	26	24	certain	certain	ADJ
easat-5250	26	25	difficulties	difficulty	NOUN
easat-5250	26	26	[	[	X
easat-5250	26	27	2	2	NUM
easat-5250	26	28	]	]	PUNCT
easat-5250	26	29	.	.	PUNCT
easat-5250	27	1	the	the	DET
easat-5250	27	2	dominance	dominance	NOUN
easat-5250	27	3	of	of	ADP
easat-5250	27	4	generation	generation	NOUN
easat-5250	27	5	z	z	NOUN
easat-5250	27	6	,	,	PUNCT
easat-5250	27	7	known	know	VERB
easat-5250	27	8	as	as	ADP
easat-5250	27	9	digital	digital	ADJ
easat-5250	27	10	natives	native	NOUN
easat-5250	27	11	,	,	PUNCT
easat-5250	27	12	indicates	indicate	VERB
easat-5250	27	13	significant	significant	ADJ
easat-5250	27	14	potential	potential	NOUN
easat-5250	27	15	in	in	ADP
easat-5250	27	16	the	the	DET
easat-5250	27	17	adoption	adoption	NOUN
easat-5250	27	18	of	of	ADP
easat-5250	27	19	digital	digital	ADJ
easat-5250	27	20	services	service	NOUN
easat-5250	27	21	,	,	PUNCT
easat-5250	27	22	including	include	VERB
easat-5250	27	23	digital	digital	ADJ
easat-5250	27	24	banking	banking	NOUN
easat-5250	28	1	[	[	X
easat-5250	28	2	5	5	NUM
easat-5250	28	3	]	]	PUNCT
easat-5250	28	4	.	.	PUNCT
easat-5250	29	1	the	the	DET
easat-5250	29	2	advent	advent	NOUN
easat-5250	29	3	of	of	ADP
easat-5250	29	4	digital	digital	ADJ
easat-5250	29	5	banking	banking	NOUN
easat-5250	29	6	services	service	NOUN
easat-5250	29	7	has	have	AUX
easat-5250	29	8	introduced	introduce	VERB
easat-5250	29	9	a	a	DET
easat-5250	29	10	new	new	ADJ
easat-5250	29	11	era	era	NOUN
easat-5250	29	12	in	in	ADP
easat-5250	29	13	the	the	DET
easat-5250	29	14	banking	banking	NOUN
easat-5250	29	15	industry	industry	NOUN
easat-5250	29	16	,	,	PUNCT
easat-5250	29	17	where	where	SCONJ
easat-5250	29	18	conventional	conventional	ADJ
easat-5250	29	19	banking	banking	NOUN
easat-5250	29	20	operations	operation	NOUN
easat-5250	29	21	are	be	AUX
easat-5250	29	22	carried	carry	VERB
easat-5250	29	23	out	out	ADP
easat-5250	29	24	online	online	ADV
easat-5250	29	25	,	,	PUNCT
easat-5250	29	26	providing	provide	VERB
easat-5250	29	27	unparalleled	unparalleled	ADJ
easat-5250	29	28	convenience	convenience	NOUN
easat-5250	29	29	and	and	CCONJ
easat-5250	29	30	flexibility	flexibility	NOUN
easat-5250	29	31	to	to	ADP
easat-5250	29	32	customers	customer	NOUN
easat-5250	29	33	.	.	PUNCT
easat-5250	30	1	these	these	DET
easat-5250	30	2	services	service	NOUN
easat-5250	30	3	cover	cover	VERB
easat-5250	30	4	various	various	ADJ
easat-5250	30	5	activities	activity	NOUN
easat-5250	30	6	490	490	NUM
easat-5250	30	7	edelweiss	edelweiss	PROPN
easat-5250	30	8	applied	apply	VERB
easat-5250	30	9	science	science	NOUN
easat-5250	30	10	and	and	CCONJ
easat-5250	30	11	technology	technology	NOUN
easat-5250	30	12	issn	issn	PROPN
easat-5250	30	13	:	:	PUNCT
easat-5250	30	14	2576	2576	NUM
easat-5250	30	15	-	-	SYM
easat-5250	30	16	8484	8484	NUM
easat-5250	30	17	vol	vol	NOUN
easat-5250	30	18	.	.	PROPN
easat-5250	31	1	9	9	NUM
easat-5250	31	2	,	,	PUNCT
easat-5250	31	3	no	no	INTJ
easat-5250	31	4	.	.	NOUN
easat-5250	32	1	3	3	NUM
easat-5250	32	2	:	:	PUNCT
easat-5250	32	3	489	489	NUM
easat-5250	32	4	-	-	SYM
easat-5250	32	5	510	510	NUM
easat-5250	32	6	,	,	PUNCT
easat-5250	32	7	2025	2025	NUM
easat-5250	32	8	doi	doi	NOUN
easat-5250	32	9	:	:	PUNCT
easat-5250	32	10	10.55214/25768484.v9i3.5250	10.55214/25768484.v9i3.5250	NUM
easat-5250	32	11	©	©	PROPN
easat-5250	32	12	2025	2025	NUM
easat-5250	32	13	by	by	ADP
easat-5250	32	14	the	the	DET
easat-5250	32	15	authors	author	NOUN
easat-5250	32	16	;	;	PUNCT
easat-5250	32	17	licensee	licensee	PROPN
easat-5250	32	18	learning	learning	NOUN
easat-5250	32	19	gate	gate	NOUN
easat-5250	32	20	such	such	ADJ
easat-5250	32	21	as	as	ADP
easat-5250	32	22	depositing	deposit	VERB
easat-5250	32	23	and	and	CCONJ
easat-5250	32	24	withdrawing	withdraw	VERB
easat-5250	32	25	funds	fund	NOUN
easat-5250	32	26	,	,	PUNCT
easat-5250	32	27	transferring	transfer	VERB
easat-5250	32	28	money	money	NOUN
easat-5250	32	29	between	between	ADP
easat-5250	32	30	accounts	account	NOUN
easat-5250	32	31	,	,	PUNCT
easat-5250	32	32	managing	manage	VERB
easat-5250	32	33	account	account	NOUN
easat-5250	32	34	details	detail	NOUN
easat-5250	32	35	,	,	PUNCT
easat-5250	32	36	and	and	CCONJ
easat-5250	32	37	applying	apply	VERB
easat-5250	32	38	for	for	ADP
easat-5250	32	39	various	various	ADJ
easat-5250	32	40	financial	financial	ADJ
easat-5250	32	41	products	product	NOUN
easat-5250	32	42	.	.	PUNCT
easat-5250	33	1	in	in	ADP
easat-5250	33	2	addition	addition	NOUN
easat-5250	33	3	,	,	PUNCT
easat-5250	33	4	these	these	DET
easat-5250	33	5	services	service	NOUN
easat-5250	33	6	also	also	ADV
easat-5250	33	7	include	include	VERB
easat-5250	33	8	loan	loan	NOUN
easat-5250	33	9	management	management	NOUN
easat-5250	33	10	,	,	PUNCT
easat-5250	33	11	bill	bill	NOUN
easat-5250	33	12	payments	payment	NOUN
easat-5250	33	13	,	,	PUNCT
easat-5250	33	14	and	and	CCONJ
easat-5250	33	15	integrated	integrate	VERB
easat-5250	33	16	features	feature	NOUN
easat-5250	33	17	such	such	ADJ
easat-5250	33	18	as	as	ADP
easat-5250	33	19	investing	invest	VERB
easat-5250	33	20	in	in	ADP
easat-5250	33	21	mutual	mutual	ADJ
easat-5250	33	22	funds	fund	NOUN
easat-5250	33	23	or	or	CCONJ
easat-5250	33	24	the	the	DET
easat-5250	33	25	stock	stock	NOUN
easat-5250	33	26	market	market	NOUN
easat-5250	33	27	[	[	X
easat-5250	33	28	6	6	NUM
easat-5250	33	29	]	]	PUNCT
easat-5250	33	30	.	.	PUNCT
easat-5250	34	1	digital	digital	ADJ
easat-5250	34	2	banking	banking	NOUN
easat-5250	34	3	has	have	AUX
easat-5250	34	4	emerged	emerge	VERB
easat-5250	34	5	as	as	ADP
easat-5250	34	6	a	a	DET
easat-5250	34	7	cornerstone	cornerstone	NOUN
easat-5250	34	8	of	of	ADP
easat-5250	34	9	modern	modern	ADJ
easat-5250	34	10	finance	finance	NOUN
easat-5250	34	11	,	,	PUNCT
easat-5250	34	12	providing	provide	VERB
easat-5250	34	13	convenience	convenience	NOUN
easat-5250	34	14	,	,	PUNCT
easat-5250	34	15	accessibility	accessibility	NOUN
easat-5250	34	16	,	,	PUNCT
easat-5250	34	17	and	and	CCONJ
easat-5250	34	18	efficiency	efficiency	NOUN
easat-5250	34	19	to	to	ADP
easat-5250	34	20	consumers	consumer	NOUN
easat-5250	34	21	around	around	ADP
easat-5250	34	22	the	the	DET
easat-5250	34	23	world	world	NOUN
easat-5250	34	24	.	.	PUNCT
easat-5250	35	1	customers	customer	NOUN
easat-5250	35	2	'	'	PART
easat-5250	35	3	perceptions	perception	NOUN
easat-5250	35	4	of	of	ADP
easat-5250	35	5	these	these	DET
easat-5250	35	6	services	service	NOUN
easat-5250	35	7	include	include	VERB
easat-5250	35	8	their	their	PRON
easat-5250	35	9	attitudes	attitude	NOUN
easat-5250	35	10	,	,	PUNCT
easat-5250	35	11	beliefs	belief	NOUN
easat-5250	35	12	and	and	CCONJ
easat-5250	35	13	experiences	experience	NOUN
easat-5250	35	14	regarding	regard	VERB
easat-5250	35	15	the	the	DET
easat-5250	35	16	use	use	NOUN
easat-5250	35	17	of	of	ADP
easat-5250	35	18	technology	technology	NOUN
easat-5250	35	19	in	in	ADP
easat-5250	35	20	banking	banking	NOUN
easat-5250	35	21	activities	activity	NOUN
easat-5250	35	22	.	.	PUNCT
easat-5250	36	1	these	these	DET
easat-5250	36	2	perceptions	perception	NOUN
easat-5250	36	3	include	include	VERB
easat-5250	36	4	positive	positive	ADJ
easat-5250	36	5	sentiments	sentiment	NOUN
easat-5250	36	6	,	,	PUNCT
easat-5250	36	7	such	such	ADJ
easat-5250	36	8	as	as	ADP
easat-5250	36	9	the	the	DET
easat-5250	36	10	convenience	convenience	NOUN
easat-5250	36	11	and	and	CCONJ
easat-5250	36	12	flexibility	flexibility	NOUN
easat-5250	36	13	of	of	ADP
easat-5250	36	14	the	the	DET
easat-5250	36	15	technology	technology	NOUN
easat-5250	36	16	,	,	PUNCT
easat-5250	36	17	as	as	ADV
easat-5250	36	18	well	well	ADV
easat-5250	36	19	as	as	ADP
easat-5250	36	20	concerns	concern	NOUN
easat-5250	36	21	,	,	PUNCT
easat-5250	36	22	particularly	particularly	ADV
easat-5250	36	23	regarding	regard	VERB
easat-5250	36	24	security	security	NOUN
easat-5250	36	25	and	and	CCONJ
easat-5250	36	26	reliability	reliability	NOUN
easat-5250	36	27	[	[	X
easat-5250	36	28	7	7	NUM
easat-5250	36	29	]	]	PUNCT
easat-5250	36	30	.	.	PUNCT
easat-5250	37	1	the	the	DET
easat-5250	37	2	main	main	ADJ
easat-5250	37	3	causes	cause	NOUN
easat-5250	37	4	behind	behind	ADP
easat-5250	37	5	the	the	DET
easat-5250	37	6	increasing	increase	VERB
easat-5250	37	7	popularity	popularity	NOUN
easat-5250	37	8	of	of	ADP
easat-5250	37	9	digital	digital	ADJ
easat-5250	37	10	banking	banking	NOUN
easat-5250	37	11	in	in	ADP
easat-5250	37	12	indonesia	indonesia	PROPN
easat-5250	37	13	are	be	AUX
easat-5250	37	14	strong	strong	ADJ
easat-5250	37	15	security	security	NOUN
easat-5250	37	16	measures	measure	NOUN
easat-5250	37	17	,	,	PUNCT
easat-5250	37	18	ease	ease	NOUN
easat-5250	37	19	of	of	ADP
easat-5250	37	20	transactions	transaction	NOUN
easat-5250	37	21	,	,	PUNCT
easat-5250	37	22	and	and	CCONJ
easat-5250	37	23	user	user	NOUN
easat-5250	37	24	-	-	PUNCT
easat-5250	37	25	friendly	friendly	ADJ
easat-5250	37	26	applications	application	NOUN
easat-5250	37	27	.	.	PUNCT
easat-5250	38	1	populix	populix	ADJ
easat-5250	38	2	[	[	X
easat-5250	38	3	8	8	NUM
easat-5250	38	4	]	]	PUNCT
easat-5250	38	5	revealed	reveal	VERB
easat-5250	38	6	that	that	SCONJ
easat-5250	38	7	the	the	DET
easat-5250	38	8	sought	seek	VERB
easat-5250	38	9	-	-	PUNCT
easat-5250	38	10	after	after	ADP
easat-5250	38	11	features	feature	NOUN
easat-5250	38	12	of	of	ADP
easat-5250	38	13	digital	digital	ADJ
easat-5250	38	14	banking	banking	NOUN
easat-5250	38	15	apps	app	NOUN
easat-5250	38	16	include	include	VERB
easat-5250	38	17	data	datum	NOUN
easat-5250	38	18	and	and	CCONJ
easat-5250	38	19	transaction	transaction	NOUN
easat-5250	38	20	security	security	NOUN
easat-5250	38	21	(	(	PUNCT
easat-5250	38	22	31	31	NUM
easat-5250	38	23	%	%	NOUN
easat-5250	38	24	)	)	PUNCT
easat-5250	38	25	,	,	PUNCT
easat-5250	38	26	ease	ease	NOUN
easat-5250	38	27	of	of	ADP
easat-5250	38	28	access	access	NOUN
easat-5250	38	29	(	(	PUNCT
easat-5250	38	30	12	12	NUM
easat-5250	38	31	%	%	NOUN
easat-5250	38	32	)	)	PUNCT
easat-5250	38	33	,	,	PUNCT
easat-5250	38	34	full	full	ADJ
easat-5250	38	35	features	feature	NOUN
easat-5250	38	36	(	(	PUNCT
easat-5250	38	37	12	12	NUM
easat-5250	38	38	%	%	NOUN
easat-5250	38	39	)	)	PUNCT
easat-5250	38	40	,	,	PUNCT
easat-5250	38	41	integration	integration	NOUN
easat-5250	38	42	with	with	ADP
easat-5250	38	43	other	other	ADJ
easat-5250	38	44	financial	financial	ADJ
easat-5250	38	45	services	service	NOUN
easat-5250	38	46	(	(	PUNCT
easat-5250	38	47	11	11	NUM
easat-5250	38	48	%	%	NOUN
easat-5250	38	49	)	)	PUNCT
easat-5250	38	50	,	,	PUNCT
easat-5250	38	51	and	and	CCONJ
easat-5250	38	52	special	special	ADJ
easat-5250	38	53	promotions	promotion	NOUN
easat-5250	38	54	(	(	PUNCT
easat-5250	38	55	10	10	NUM
easat-5250	38	56	%	%	NOUN
easat-5250	38	57	)	)	PUNCT
easat-5250	39	1	[	[	X
easat-5250	39	2	8	8	NUM
easat-5250	39	3	]	]	PUNCT
easat-5250	39	4	.	.	PUNCT
easat-5250	40	1	service	service	NOUN
easat-5250	40	2	quality	quality	NOUN
easat-5250	40	3	is	be	AUX
easat-5250	40	4	a	a	DET
easat-5250	40	5	crucial	crucial	ADJ
easat-5250	40	6	factor	factor	NOUN
easat-5250	40	7	in	in	ADP
easat-5250	40	8	various	various	ADJ
easat-5250	40	9	industries	industry	NOUN
easat-5250	40	10	[	[	X
easat-5250	40	11	9	9	NUM
easat-5250	40	12	-	-	SYM
easat-5250	40	13	12	12	NUM
easat-5250	40	14	]	]	PUNCT
easat-5250	40	15	.	.	PUNCT
easat-5250	41	1	previous	previous	ADJ
easat-5250	41	2	research	research	NOUN
easat-5250	41	3	shows	show	VERB
easat-5250	41	4	that	that	SCONJ
easat-5250	41	5	the	the	DET
easat-5250	41	6	dimensions	dimension	NOUN
easat-5250	41	7	in	in	ADP
easat-5250	41	8	the	the	DET
easat-5250	41	9	servqual	servqual	ADJ
easat-5250	41	10	model	model	NOUN
easat-5250	41	11	are	be	AUX
easat-5250	41	12	reliable	reliable	ADJ
easat-5250	41	13	tools	tool	NOUN
easat-5250	41	14	for	for	ADP
easat-5250	41	15	measuring	measure	VERB
easat-5250	41	16	customer	customer	NOUN
easat-5250	41	17	satisfaction	satisfaction	NOUN
easat-5250	41	18	and	and	CCONJ
easat-5250	41	19	loyalty	loyalty	NOUN
easat-5250	41	20	in	in	ADP
easat-5250	41	21	the	the	DET
easat-5250	41	22	e	e	NOUN
easat-5250	41	23	-	-	NOUN
easat-5250	41	24	service	service	ADJ
easat-5250	41	25	industry	industry	NOUN
easat-5250	42	1	[	[	X
easat-5250	42	2	13	13	NUM
easat-5250	42	3	-	-	SYM
easat-5250	42	4	15	15	NUM
easat-5250	42	5	]	]	PUNCT
easat-5250	42	6	.	.	PUNCT
easat-5250	43	1	however	however	ADV
easat-5250	43	2	,	,	PUNCT
easat-5250	43	3	with	with	ADP
easat-5250	43	4	the	the	DET
easat-5250	43	5	development	development	NOUN
easat-5250	43	6	of	of	ADP
easat-5250	43	7	the	the	DET
easat-5250	43	8	internet	internet	NOUN
easat-5250	43	9	and	and	CCONJ
easat-5250	43	10	digital	digital	ADJ
easat-5250	43	11	media	medium	NOUN
easat-5250	43	12	,	,	PUNCT
easat-5250	43	13	the	the	DET
easat-5250	43	14	servqual	servqual	ADJ
easat-5250	43	15	model	model	NOUN
easat-5250	43	16	needs	need	VERB
easat-5250	43	17	to	to	PART
easat-5250	43	18	be	be	AUX
easat-5250	43	19	adapted	adapt	VERB
easat-5250	43	20	to	to	PART
easat-5250	43	21	measure	measure	VERB
easat-5250	43	22	service	service	NOUN
easat-5250	43	23	quality	quality	NOUN
easat-5250	43	24	in	in	ADP
easat-5250	43	25	electronic	electronic	ADJ
easat-5250	43	26	contexts	contexts	NOUN
easat-5250	43	27	,	,	PUNCT
easat-5250	43	28	such	such	ADJ
easat-5250	43	29	as	as	ADP
easat-5250	43	30	e	e	NOUN
easat-5250	43	31	-	-	NOUN
easat-5250	43	32	commerce	commerce	NOUN
easat-5250	43	33	,	,	PUNCT
easat-5250	43	34	e	e	NOUN
easat-5250	43	35	-	-	NOUN
easat-5250	43	36	banking	banking	NOUN
easat-5250	43	37	,	,	PUNCT
easat-5250	43	38	and	and	CCONJ
easat-5250	43	39	online	online	ADJ
easat-5250	43	40	shopping	shopping	NOUN
easat-5250	44	1	[	[	X
easat-5250	44	2	16	16	NUM
easat-5250	44	3	]	]	PUNCT
easat-5250	44	4	.	.	PUNCT
easat-5250	45	1	to	to	PART
easat-5250	45	2	fill	fill	VERB
easat-5250	45	3	the	the	DET
easat-5250	45	4	gap	gap	NOUN
easat-5250	45	5	,	,	PUNCT
easat-5250	45	6	this	this	DET
easat-5250	45	7	study	study	NOUN
easat-5250	45	8	uses	use	VERB
easat-5250	45	9	the	the	DET
easat-5250	45	10	e	e	PROPN
easat-5250	45	11	-	-	ADJ
easat-5250	45	12	s	s	ADP
easat-5250	45	13	-	-	PUNCT
easat-5250	45	14	qual	qual	ADJ
easat-5250	45	15	model	model	NOUN
easat-5250	45	16	,	,	PUNCT
easat-5250	45	17	which	which	PRON
easat-5250	45	18	has	have	AUX
easat-5250	45	19	been	be	AUX
easat-5250	45	20	recognized	recognize	VERB
easat-5250	45	21	as	as	ADP
easat-5250	45	22	a	a	DET
easat-5250	45	23	key	key	ADJ
easat-5250	45	24	tool	tool	NOUN
easat-5250	45	25	for	for	ADP
easat-5250	45	26	evaluating	evaluate	VERB
easat-5250	45	27	digital	digital	ADJ
easat-5250	45	28	service	service	NOUN
easat-5250	45	29	quality	quality	NOUN
easat-5250	45	30	.	.	PUNCT
easat-5250	46	1	this	this	DET
easat-5250	46	2	model	model	NOUN
easat-5250	46	3	consists	consist	VERB
easat-5250	46	4	of	of	ADP
easat-5250	46	5	four	four	NUM
easat-5250	46	6	main	main	ADJ
easat-5250	46	7	dimensions	dimension	NOUN
easat-5250	46	8	,	,	PUNCT
easat-5250	46	9	namely	namely	ADV
easat-5250	46	10	efficiency	efficiency	NOUN
easat-5250	46	11	(	(	PUNCT
easat-5250	46	12	speed	speed	NOUN
easat-5250	46	13	of	of	ADP
easat-5250	46	14	access	access	NOUN
easat-5250	46	15	as	as	ADV
easat-5250	46	16	well	well	ADV
easat-5250	46	17	as	as	ADP
easat-5250	46	18	site	site	NOUN
easat-5250	46	19	usage	usage	NOUN
easat-5250	46	20	)	)	PUNCT
easat-5250	46	21	,	,	PUNCT
easat-5250	46	22	fulfillment	fulfillment	NOUN
easat-5250	46	23	(	(	PUNCT
easat-5250	46	24	the	the	DET
easat-5250	46	25	extent	extent	NOUN
easat-5250	46	26	to	to	PART
easat-5250	46	27	which	which	PRON
easat-5250	46	28	site	site	NOUN
easat-5250	46	29	promises	promise	NOUN
easat-5250	46	30	regarding	regard	VERB
easat-5250	46	31	order	order	NOUN
easat-5250	46	32	delivery	delivery	NOUN
easat-5250	46	33	and	and	CCONJ
easat-5250	46	34	item	item	NOUN
easat-5250	46	35	availability	availability	NOUN
easat-5250	46	36	are	be	AUX
easat-5250	46	37	fulfilled	fulfil	VERB
easat-5250	46	38	)	)	PUNCT
easat-5250	46	39	,	,	PUNCT
easat-5250	46	40	system	system	NOUN
easat-5250	46	41	availability	availability	NOUN
easat-5250	46	42	(	(	PUNCT
easat-5250	46	43	correct	correct	ADJ
easat-5250	46	44	technical	technical	ADJ
easat-5250	46	45	functioning	functioning	NOUN
easat-5250	46	46	of	of	ADP
easat-5250	46	47	the	the	DET
easat-5250	46	48	site	site	NOUN
easat-5250	46	49	)	)	PUNCT
easat-5250	46	50	,	,	PUNCT
easat-5250	46	51	and	and	CCONJ
easat-5250	46	52	security	security	NOUN
easat-5250	46	53	(	(	PUNCT
easat-5250	46	54	the	the	DET
easat-5250	46	55	level	level	NOUN
easat-5250	46	56	of	of	ADP
easat-5250	46	57	site	site	NOUN
easat-5250	46	58	security	security	NOUN
easat-5250	46	59	in	in	ADP
easat-5250	46	60	protecting	protect	VERB
easat-5250	46	61	customer	customer	NOUN
easat-5250	46	62	information	information	NOUN
easat-5250	46	63	)	)	PUNCT
easat-5250	47	1	[	[	X
easat-5250	47	2	17	17	NUM
easat-5250	47	3	,	,	PUNCT
easat-5250	47	4	18	18	NUM
easat-5250	47	5	]	]	PUNCT
easat-5250	47	6	.	.	PUNCT
easat-5250	48	1	global	global	ADJ
easat-5250	48	2	research	research	NOUN
easat-5250	48	3	shows	show	VERB
easat-5250	48	4	that	that	SCONJ
easat-5250	48	5	consumers	consumer	NOUN
easat-5250	48	6	,	,	PUNCT
easat-5250	48	7	especially	especially	ADV
easat-5250	48	8	in	in	ADP
easat-5250	48	9	younger	young	ADJ
easat-5250	48	10	age	age	NOUN
easat-5250	48	11	groups	group	NOUN
easat-5250	48	12	,	,	PUNCT
easat-5250	48	13	have	have	VERB
easat-5250	48	14	higher	high	ADJ
easat-5250	48	15	levels	level	NOUN
easat-5250	48	16	of	of	ADP
easat-5250	48	17	satisfaction	satisfaction	NOUN
easat-5250	48	18	and	and	CCONJ
easat-5250	48	19	trust	trust	NOUN
easat-5250	48	20	in	in	ADP
easat-5250	48	21	digital	digital	ADJ
easat-5250	48	22	banking	banking	NOUN
easat-5250	48	23	services	service	NOUN
easat-5250	48	24	[	[	X
easat-5250	48	25	19	19	NUM
easat-5250	48	26	-	-	SYM
easat-5250	48	27	22	22	NUM
easat-5250	48	28	]	]	PUNCT
easat-5250	48	29	.	.	PUNCT
easat-5250	49	1	this	this	DET
easat-5250	49	2	research	research	NOUN
easat-5250	49	3	extends	extend	VERB
easat-5250	49	4	the	the	DET
easat-5250	49	5	modified	modified	ADJ
easat-5250	49	6	e	e	NOUN
easat-5250	49	7	-	-	ADJ
easat-5250	49	8	s	s	ADP
easat-5250	49	9	-	-	PUNCT
easat-5250	49	10	qual	qual	ADJ
easat-5250	49	11	model	model	NOUN
easat-5250	49	12	by	by	ADP
easat-5250	49	13	adding	add	VERB
easat-5250	49	14	three	three	NUM
easat-5250	49	15	independent	independent	ADJ
easat-5250	49	16	variables	variable	NOUN
easat-5250	49	17	such	such	ADJ
easat-5250	49	18	as	as	ADP
easat-5250	49	19	trust	trust	NOUN
easat-5250	49	20	,	,	PUNCT
easat-5250	49	21	convenience	convenience	NOUN
easat-5250	49	22	,	,	PUNCT
easat-5250	49	23	promotion	promotion	NOUN
easat-5250	49	24	policies	policy	NOUN
easat-5250	49	25	.	.	PUNCT
easat-5250	50	1	by	by	ADP
easat-5250	50	2	employing	employ	VERB
easat-5250	50	3	the	the	DET
easat-5250	50	4	extended	extended	ADJ
easat-5250	50	5	e	e	NOUN
easat-5250	50	6	-	-	ADJ
easat-5250	50	7	s	s	ADP
easat-5250	50	8	-	-	PUNCT
easat-5250	50	9	qual	qual	ADJ
easat-5250	50	10	model	model	NOUN
easat-5250	50	11	to	to	PART
easat-5250	50	12	investigate	investigate	VERB
easat-5250	50	13	the	the	DET
easat-5250	50	14	impact	impact	NOUN
easat-5250	50	15	of	of	ADP
easat-5250	50	16	digital	digital	ADJ
easat-5250	50	17	banking	banking	NOUN
easat-5250	50	18	service	service	NOUN
easat-5250	50	19	perceptions	perception	NOUN
easat-5250	50	20	on	on	ADP
easat-5250	50	21	generation	generation	NOUN
easat-5250	50	22	z	z	NOUN
easat-5250	50	23	satisfaction	satisfaction	NOUN
easat-5250	50	24	in	in	ADP
easat-5250	50	25	jabodetabek	jabodetabek	PROPN
easat-5250	50	26	,	,	PUNCT
easat-5250	50	27	the	the	DET
easat-5250	50	28	study	study	NOUN
easat-5250	50	29	aims	aim	VERB
easat-5250	50	30	to	to	PART
easat-5250	50	31	close	close	VERB
easat-5250	50	32	the	the	DET
easat-5250	50	33	current	current	ADJ
easat-5250	50	34	gap	gap	NOUN
easat-5250	50	35	.	.	PUNCT
easat-5250	51	1	previous	previous	ADJ
easat-5250	51	2	research	research	NOUN
easat-5250	51	3	,	,	PUNCT
easat-5250	51	4	such	such	ADJ
easat-5250	51	5	as	as	ADP
easat-5250	51	6	that	that	PRON
easat-5250	51	7	conducted	conduct	VERB
easat-5250	51	8	by	by	ADP
easat-5250	51	9	mujinga	mujinga	ADV
easat-5250	52	1	[	[	X
easat-5250	52	2	23	23	NUM
easat-5250	52	3	]	]	PUNCT
easat-5250	52	4	has	have	AUX
easat-5250	52	5	shown	show	VERB
easat-5250	52	6	the	the	DET
easat-5250	52	7	significant	significant	ADJ
easat-5250	52	8	impact	impact	NOUN
easat-5250	52	9	of	of	ADP
easat-5250	52	10	e	e	NOUN
easat-5250	52	11	-	-	ADJ
easat-5250	52	12	s	s	ADP
easat-5250	52	13	-	-	PUNCT
easat-5250	52	14	qual	qual	ADJ
easat-5250	52	15	dimensions	dimension	NOUN
easat-5250	52	16	on	on	ADP
easat-5250	52	17	online	online	ADJ
easat-5250	52	18	banking	banking	NOUN
easat-5250	52	19	service	service	NOUN
easat-5250	52	20	quality	quality	NOUN
easat-5250	52	21	in	in	ADP
easat-5250	52	22	south	south	PROPN
easat-5250	52	23	africa	africa	PROPN
easat-5250	52	24	,	,	PUNCT
easat-5250	52	25	specifically	specifically	ADV
easat-5250	52	26	efficiency	efficiency	NOUN
easat-5250	52	27	,	,	PUNCT
easat-5250	52	28	fulfillment	fulfillment	NOUN
easat-5250	52	29	,	,	PUNCT
easat-5250	52	30	security	security	NOUN
easat-5250	52	31	,	,	PUNCT
easat-5250	52	32	and	and	CCONJ
easat-5250	52	33	system	system	NOUN
easat-5250	52	34	availability	availability	NOUN
easat-5250	52	35	.	.	PUNCT
easat-5250	53	1	this	this	DET
easat-5250	53	2	study	study	NOUN
easat-5250	53	3	confirms	confirm	VERB
easat-5250	53	4	the	the	DET
easat-5250	53	5	importance	importance	NOUN
easat-5250	53	6	of	of	ADP
easat-5250	53	7	applying	apply	VERB
easat-5250	53	8	the	the	DET
easat-5250	53	9	e	e	NOUN
easat-5250	53	10	-	-	ADJ
easat-5250	53	11	s	s	ADP
easat-5250	53	12	-	-	PUNCT
easat-5250	53	13	qual	qual	ADJ
easat-5250	53	14	model	model	NOUN
easat-5250	53	15	in	in	ADP
easat-5250	53	16	measuring	measure	VERB
easat-5250	53	17	digital	digital	ADJ
easat-5250	53	18	service	service	NOUN
easat-5250	53	19	quality	quality	NOUN
easat-5250	53	20	and	and	CCONJ
easat-5250	53	21	its	its	PRON
easat-5250	53	22	impact	impact	NOUN
easat-5250	53	23	on	on	ADP
easat-5250	53	24	customer	customer	NOUN
easat-5250	53	25	satisfaction	satisfaction	NOUN
easat-5250	53	26	.	.	PUNCT
easat-5250	54	1	similarly	similarly	ADV
easat-5250	54	2	,	,	PUNCT
easat-5250	54	3	raza	raza	PROPN
easat-5250	54	4	,	,	PUNCT
easat-5250	54	5	et	et	PROPN
easat-5250	54	6	al	al	PROPN
easat-5250	54	7	.	.	PUNCT
easat-5250	55	1	[	[	X
easat-5250	55	2	24	24	NUM
easat-5250	55	3	]	]	PUNCT
easat-5250	55	4	in	in	ADP
easat-5250	55	5	their	their	PRON
easat-5250	55	6	research	research	NOUN
easat-5250	55	7	in	in	ADP
easat-5250	55	8	pakistan	pakistan	PROPN
easat-5250	55	9	,	,	PUNCT
easat-5250	55	10	which	which	PRON
easat-5250	55	11	used	use	VERB
easat-5250	55	12	a	a	DET
easat-5250	55	13	modified	modify	VERB
easat-5250	55	14	es	es	VERB
easat-5250	55	15	-	-	PUNCT
easat-5250	55	16	qual	qual	ADJ
easat-5250	55	17	model	model	NOUN
easat-5250	55	18	,	,	PUNCT
easat-5250	55	19	found	find	VERB
easat-5250	55	20	positively	positively	ADV
easat-5250	55	21	affect	affect	VERB
easat-5250	55	22	user	user	NOUN
easat-5250	55	23	satisfaction	satisfaction	NOUN
easat-5250	55	24	and	and	CCONJ
easat-5250	55	25	contribute	contribute	VERB
easat-5250	55	26	to	to	ADP
easat-5250	55	27	customer	customer	NOUN
easat-5250	55	28	loyalty	loyalty	NOUN
easat-5250	55	29	.	.	PUNCT
easat-5250	56	1	the	the	DET
easat-5250	56	2	study	study	NOUN
easat-5250	56	3	highlights	highlight	VERB
easat-5250	56	4	how	how	SCONJ
easat-5250	56	5	crucial	crucial	ADJ
easat-5250	56	6	innovation	innovation	NOUN
easat-5250	56	7	in	in	ADP
easat-5250	56	8	digital	digital	ADJ
easat-5250	56	9	technology	technology	NOUN
easat-5250	56	10	is	be	AUX
easat-5250	56	11	to	to	ADP
easat-5250	56	12	improving	improve	VERB
easat-5250	56	13	consumer	consumer	NOUN
easat-5250	56	14	satisfaction	satisfaction	NOUN
easat-5250	56	15	,	,	PUNCT
easat-5250	56	16	especially	especially	ADV
easat-5250	56	17	for	for	ADP
easat-5250	56	18	generation	generation	NOUN
easat-5250	56	19	z.	z.	PROPN
easat-5250	57	1	it	it	PRON
easat-5250	57	2	gives	give	VERB
easat-5250	57	3	banks	bank	NOUN
easat-5250	57	4	information	information	NOUN
easat-5250	57	5	they	they	PRON
easat-5250	57	6	can	can	AUX
easat-5250	57	7	use	use	VERB
easat-5250	57	8	to	to	PART
easat-5250	57	9	assess	assess	VERB
easat-5250	57	10	and	and	CCONJ
easat-5250	57	11	improve	improve	VERB
easat-5250	57	12	their	their	PRON
easat-5250	57	13	digital	digital	ADJ
easat-5250	57	14	services	service	NOUN
easat-5250	57	15	in	in	ADP
easat-5250	57	16	order	order	NOUN
easat-5250	57	17	to	to	PART
easat-5250	57	18	better	well	ADV
easat-5250	57	19	cater	cater	VERB
easat-5250	57	20	to	to	ADP
easat-5250	57	21	the	the	DET
easat-5250	57	22	needs	need	NOUN
easat-5250	57	23	of	of	ADP
easat-5250	57	24	their	their	PRON
easat-5250	57	25	younger	young	ADJ
easat-5250	57	26	customer	customer	NOUN
easat-5250	57	27	and	and	CCONJ
easat-5250	57	28	create	create	VERB
easat-5250	57	29	features	feature	NOUN
easat-5250	57	30	that	that	PRON
easat-5250	57	31	increase	increase	VERB
easat-5250	57	32	customer	customer	NOUN
easat-5250	57	33	satisfaction	satisfaction	NOUN
easat-5250	57	34	.	.	PUNCT
easat-5250	58	1	researchers	researcher	NOUN
easat-5250	58	2	can	can	AUX
easat-5250	58	3	use	use	VERB
easat-5250	58	4	the	the	DET
easat-5250	58	5	study	study	NOUN
easat-5250	58	6	as	as	ADP
easat-5250	58	7	a	a	DET
easat-5250	58	8	reference	reference	NOUN
easat-5250	58	9	for	for	ADP
easat-5250	58	10	future	future	ADJ
easat-5250	58	11	research	research	NOUN
easat-5250	58	12	and	and	CCONJ
easat-5250	58	13	as	as	ADP
easat-5250	58	14	a	a	DET
easat-5250	58	15	contribution	contribution	NOUN
easat-5250	58	16	to	to	ADP
easat-5250	58	17	academic	academic	ADJ
easat-5250	58	18	literature	literature	NOUN
easat-5250	58	19	as	as	SCONJ
easat-5250	58	20	it	it	PRON
easat-5250	58	21	examines	examine	VERB
easat-5250	58	22	the	the	DET
easat-5250	58	23	factors	factor	NOUN
easat-5250	58	24	impacting	impact	VERB
easat-5250	58	25	the	the	DET
easat-5250	58	26	adoption	adoption	NOUN
easat-5250	58	27	of	of	ADP
easat-5250	58	28	digital	digital	ADJ
easat-5250	58	29	banking	banking	NOUN
easat-5250	58	30	in	in	ADP
easat-5250	58	31	the	the	DET
easat-5250	58	32	jabodetabek	jabodetabek	PROPN
easat-5250	58	33	region	region	NOUN
easat-5250	58	34	.	.	PUNCT
easat-5250	59	1	the	the	DET
easat-5250	59	2	findings	finding	NOUN
easat-5250	59	3	highlight	highlight	VERB
easat-5250	59	4	the	the	DET
easat-5250	59	5	importance	importance	NOUN
easat-5250	59	6	of	of	ADP
easat-5250	59	7	security	security	NOUN
easat-5250	59	8	and	and	CCONJ
easat-5250	59	9	privacy	privacy	NOUN
easat-5250	59	10	in	in	ADP
easat-5250	59	11	digital	digital	ADJ
easat-5250	59	12	services	service	NOUN
easat-5250	59	13	and	and	CCONJ
easat-5250	59	14	provide	provide	VERB
easat-5250	59	15	useful	useful	ADJ
easat-5250	59	16	guidance	guidance	NOUN
easat-5250	59	17	to	to	ADP
easat-5250	59	18	regulators	regulator	NOUN
easat-5250	59	19	and	and	CCONJ
easat-5250	59	20	the	the	DET
easat-5250	59	21	government	government	NOUN
easat-5250	59	22	in	in	ADP
easat-5250	59	23	developing	develop	VERB
easat-5250	59	24	consumer	consumer	NOUN
easat-5250	59	25	protection	protection	NOUN
easat-5250	59	26	regulations	regulation	NOUN
easat-5250	59	27	.	.	PUNCT
easat-5250	60	1	in	in	ADP
easat-5250	60	2	summary	summary	NOUN
easat-5250	60	3	,	,	PUNCT
easat-5250	60	4	the	the	DET
easat-5250	60	5	research	research	NOUN
easat-5250	60	6	endeavors	endeavor	VERB
easat-5250	60	7	to	to	PART
easat-5250	60	8	enable	enable	VERB
easat-5250	60	9	generation	generation	NOUN
easat-5250	60	10	z	z	NOUN
easat-5250	60	11	and	and	CCONJ
easat-5250	60	12	the	the	DET
easat-5250	60	13	broader	broad	ADJ
easat-5250	60	14	public	public	NOUN
easat-5250	60	15	to	to	PART
easat-5250	60	16	comprehend	comprehend	VERB
easat-5250	60	17	the	the	DET
easat-5250	60	18	facets	facet	NOUN
easat-5250	60	19	of	of	ADP
easat-5250	60	20	digital	digital	ADJ
easat-5250	60	21	banking	banking	NOUN
easat-5250	60	22	that	that	PRON
easat-5250	60	23	influence	influence	VERB
easat-5250	60	24	their	their	PRON
easat-5250	60	25	contentment	contentment	NOUN
easat-5250	60	26	,	,	PUNCT
easat-5250	60	27	fostering	foster	VERB
easat-5250	60	28	knowledgeable	knowledgeable	ADJ
easat-5250	60	29	decision	decision	NOUN
easat-5250	60	30	-	-	PUNCT
easat-5250	60	31	making	make	VERB
easat-5250	60	32	and	and	CCONJ
easat-5250	60	33	discerning	discern	VERB
easat-5250	60	34	assessment	assessment	NOUN
easat-5250	60	35	of	of	ADP
easat-5250	60	36	digital	digital	ADJ
easat-5250	60	37	offerings	offering	NOUN
easat-5250	60	38	while	while	SCONJ
easat-5250	60	39	advancing	advance	VERB
easat-5250	60	40	digital	digital	ADJ
easat-5250	60	41	financial	financial	ADJ
easat-5250	60	42	literacy	literacy	NOUN
easat-5250	60	43	.	.	PUNCT
easat-5250	61	1	2	2	X
easat-5250	61	2	.	.	X
easat-5250	61	3	literature	literature	NOUN
easat-5250	61	4	review	review	VERB
easat-5250	61	5	2.1	2.1	NUM
easat-5250	61	6	.	.	PUNCT
easat-5250	62	1	digital	digital	ADJ
easat-5250	62	2	banking	banking	NOUN
easat-5250	62	3	service	service	NOUN
easat-5250	62	4	according	accord	VERB
easat-5250	62	5	to	to	ADP
easat-5250	62	6	the	the	DET
easat-5250	62	7	financial	financial	ADJ
easat-5250	62	8	services	service	NOUN
easat-5250	62	9	authority	authority	NOUN
easat-5250	62	10	[	[	X
easat-5250	62	11	25	25	NUM
easat-5250	62	12	]	]	X
easat-5250	62	13	digital	digital	ADJ
easat-5250	62	14	banking	banking	NOUN
easat-5250	62	15	is	be	AUX
easat-5250	62	16	a	a	DET
easat-5250	62	17	fully	fully	ADV
easat-5250	62	18	digital	digital	ADJ
easat-5250	62	19	-	-	PUNCT
easat-5250	62	20	based	base	VERB
easat-5250	62	21	banking	banking	NOUN
easat-5250	62	22	service	service	NOUN
easat-5250	62	23	,	,	PUNCT
easat-5250	62	24	where	where	SCONJ
easat-5250	62	25	all	all	DET
easat-5250	62	26	transactions	transaction	NOUN
easat-5250	62	27	are	be	AUX
easat-5250	62	28	conducted	conduct	VERB
easat-5250	62	29	through	through	ADP
easat-5250	62	30	electronic	electronic	ADJ
easat-5250	62	31	media	medium	NOUN
easat-5250	62	32	without	without	ADP
easat-5250	62	33	the	the	DET
easat-5250	62	34	need	need	NOUN
easat-5250	62	35	for	for	ADP
easat-5250	62	36	face	face	NOUN
easat-5250	62	37	-	-	PUNCT
easat-5250	62	38	to	to	ADP
easat-5250	62	39	-	-	PUNCT
easat-5250	62	40	face	face	NOUN
easat-5250	62	41	interaction	interaction	NOUN
easat-5250	62	42	or	or	CCONJ
easat-5250	62	43	visits	visit	NOUN
easat-5250	62	44	to	to	ADP
easat-5250	62	45	branch	branch	NOUN
easat-5250	62	46	offices	office	NOUN
easat-5250	62	47	.	.	PUNCT
easat-5250	63	1	this	this	PRON
easat-5250	63	2	is	be	AUX
easat-5250	63	3	different	different	ADJ
easat-5250	63	4	from	from	ADP
easat-5250	63	5	mobile	mobile	ADJ
easat-5250	63	6	banking	banking	NOUN
easat-5250	63	7	and	and	CCONJ
easat-5250	63	8	internet	internet	NOUN
easat-5250	63	9	banking	banking	NOUN
easat-5250	63	10	,	,	PUNCT
easat-5250	63	11	which	which	PRON
easat-5250	63	12	are	be	AUX
easat-5250	63	13	still	still	ADV
easat-5250	63	14	limited	limit	VERB
easat-5250	63	15	to	to	ADP
easat-5250	63	16	a	a	DET
easat-5250	63	17	few	few	ADJ
easat-5250	63	18	specific	specific	ADJ
easat-5250	63	19	services	service	NOUN
easat-5250	63	20	and	and	CCONJ
easat-5250	63	21	often	often	ADV
easat-5250	63	22	require	require	VERB
easat-5250	63	23	customers	customer	NOUN
easat-5250	63	24	to	to	PART
easat-5250	63	25	come	come	VERB
easat-5250	63	26	to	to	ADP
easat-5250	63	27	the	the	DET
easat-5250	63	28	branch	branch	NOUN
easat-5250	63	29	office	office	NOUN
easat-5250	63	30	,	,	PUNCT
easat-5250	63	31	for	for	ADP
easat-5250	63	32	example	example	NOUN
easat-5250	63	33	,	,	PUNCT
easat-5250	63	34	for	for	ADP
easat-5250	63	35	document	document	NOUN
easat-5250	63	36	verification	verification	NOUN
easat-5250	63	37	or	or	CCONJ
easat-5250	63	38	special	special	ADJ
easat-5250	63	39	transactions	transaction	NOUN
easat-5250	63	40	[	[	X
easat-5250	63	41	2	2	NUM
easat-5250	63	42	]	]	PUNCT
easat-5250	63	43	.	.	PUNCT
easat-5250	64	1	digital	digital	ADJ
easat-5250	64	2	banking	banking	NOUN
easat-5250	64	3	allows	allow	VERB
easat-5250	64	4	customers	customer	NOUN
easat-5250	64	5	to	to	ADP
easat-5250	64	6	491	491	NUM
easat-5250	64	7	edelweiss	edelweiss	PROPN
easat-5250	64	8	applied	apply	VERB
easat-5250	64	9	science	science	NOUN
easat-5250	64	10	and	and	CCONJ
easat-5250	64	11	technology	technology	NOUN
easat-5250	64	12	issn	issn	PROPN
easat-5250	64	13	:	:	PUNCT
easat-5250	64	14	2576	2576	NUM
easat-5250	64	15	-	-	SYM
easat-5250	64	16	8484	8484	NUM
easat-5250	64	17	vol	vol	NOUN
easat-5250	64	18	.	.	PROPN
easat-5250	65	1	9	9	NUM
easat-5250	65	2	,	,	PUNCT
easat-5250	65	3	no	no	INTJ
easat-5250	65	4	.	.	NOUN
easat-5250	66	1	3	3	NUM
easat-5250	66	2	:	:	PUNCT
easat-5250	66	3	489	489	NUM
easat-5250	66	4	-	-	SYM
easat-5250	66	5	510	510	NUM
easat-5250	66	6	,	,	PUNCT
easat-5250	66	7	2025	2025	NUM
easat-5250	66	8	doi	doi	NOUN
easat-5250	66	9	:	:	PUNCT
easat-5250	66	10	10.55214/25768484.v9i3.5250	10.55214/25768484.v9i3.5250	NUM
easat-5250	66	11	©	©	PROPN
easat-5250	66	12	2025	2025	NUM
easat-5250	66	13	by	by	ADP
easat-5250	66	14	the	the	DET
easat-5250	66	15	authors	author	NOUN
easat-5250	66	16	;	;	PUNCT
easat-5250	66	17	licensee	licensee	PROPN
easat-5250	66	18	learning	learn	VERB
easat-5250	66	19	gate	gate	NOUN
easat-5250	66	20	access	access	NOUN
easat-5250	66	21	and	and	CCONJ
easat-5250	66	22	complete	complete	VERB
easat-5250	66	23	all	all	DET
easat-5250	66	24	types	type	NOUN
easat-5250	66	25	of	of	ADP
easat-5250	66	26	financial	financial	ADJ
easat-5250	66	27	transactions	transaction	NOUN
easat-5250	66	28	independently	independently	ADV
easat-5250	66	29	and	and	CCONJ
easat-5250	66	30	directly	directly	ADV
easat-5250	66	31	through	through	ADP
easat-5250	66	32	digital	digital	ADJ
easat-5250	66	33	platforms	platform	NOUN
easat-5250	66	34	provided	provide	VERB
easat-5250	66	35	by	by	ADP
easat-5250	66	36	banks	bank	NOUN
easat-5250	66	37	.	.	PUNCT
easat-5250	67	1	the	the	DET
easat-5250	67	2	concept	concept	NOUN
easat-5250	67	3	of	of	ADP
easat-5250	67	4	digital	digital	ADJ
easat-5250	67	5	banking	banking	NOUN
easat-5250	67	6	can	can	AUX
easat-5250	67	7	also	also	ADV
easat-5250	67	8	be	be	AUX
easat-5250	67	9	defined	define	VERB
easat-5250	67	10	as	as	ADP
easat-5250	67	11	the	the	DET
easat-5250	67	12	transformation	transformation	NOUN
easat-5250	67	13	of	of	ADP
easat-5250	67	14	traditional	traditional	ADJ
easat-5250	67	15	banking	banking	NOUN
easat-5250	67	16	services	service	NOUN
easat-5250	67	17	and	and	CCONJ
easat-5250	67	18	products	product	NOUN
easat-5250	67	19	from	from	ADP
easat-5250	67	20	an	an	DET
easat-5250	67	21	offline	offline	ADJ
easat-5250	67	22	platform	platform	NOUN
easat-5250	67	23	to	to	ADP
easat-5250	67	24	an	an	DET
easat-5250	67	25	online	online	ADJ
easat-5250	67	26	platform	platform	NOUN
easat-5250	67	27	,	,	PUNCT
easat-5250	67	28	allowing	allow	VERB
easat-5250	67	29	customers	customer	NOUN
easat-5250	67	30	to	to	PART
easat-5250	67	31	access	access	VERB
easat-5250	67	32	them	they	PRON
easat-5250	67	33	remotely	remotely	ADV
easat-5250	67	34	without	without	ADP
easat-5250	67	35	having	have	VERB
easat-5250	67	36	to	to	PART
easat-5250	67	37	visit	visit	VERB
easat-5250	67	38	a	a	DET
easat-5250	67	39	physical	physical	ADJ
easat-5250	67	40	branch	branch	NOUN
easat-5250	68	1	[	[	X
easat-5250	68	2	26	26	NUM
easat-5250	68	3	]	]	PUNCT
easat-5250	68	4	.	.	PUNCT
easat-5250	69	1	digital	digital	ADJ
easat-5250	69	2	banking	banking	NOUN
easat-5250	69	3	apps	app	NOUN
easat-5250	69	4	that	that	PRON
easat-5250	69	5	are	be	AUX
easat-5250	69	6	widely	widely	ADV
easat-5250	69	7	used	use	VERB
easat-5250	69	8	in	in	ADP
easat-5250	69	9	indonesia	indonesia	PROPN
easat-5250	69	10	include	include	VERB
easat-5250	69	11	digibank	digibank	VERB
easat-5250	69	12	by	by	ADP
easat-5250	69	13	dbs	dbs	PROPN
easat-5250	69	14	,	,	PUNCT
easat-5250	69	15	bank	bank	PROPN
easat-5250	69	16	jago	jago	PROPN
easat-5250	69	17	,	,	PUNCT
easat-5250	69	18	blu	blu	NOUN
easat-5250	69	19	by	by	ADP
easat-5250	69	20	bca	bca	PROPN
easat-5250	69	21	,	,	PUNCT
easat-5250	69	22	bank	bank	PROPN
easat-5250	69	23	neo	neo	PROPN
easat-5250	69	24	commerce	commerce	PROPN
easat-5250	69	25	,	,	PUNCT
easat-5250	69	26	jenius	jenius	PROPN
easat-5250	69	27	,	,	PUNCT
easat-5250	69	28	allo	allo	PROPN
easat-5250	69	29	bank	bank	PROPN
easat-5250	69	30	,	,	PUNCT
easat-5250	69	31	line	line	NOUN
easat-5250	69	32	bank	bank	NOUN
easat-5250	69	33	,	,	PUNCT
easat-5250	69	34	and	and	CCONJ
easat-5250	69	35	seabank	seabank	NOUN
easat-5250	69	36	.	.	PUNCT
easat-5250	70	1	with	with	ADP
easat-5250	70	2	differences	difference	NOUN
easat-5250	70	3	in	in	ADP
easat-5250	70	4	market	market	NOUN
easat-5250	70	5	share	share	NOUN
easat-5250	70	6	and	and	CCONJ
easat-5250	70	7	user	user	NOUN
easat-5250	70	8	count	count	NOUN
easat-5250	70	9	,	,	PUNCT
easat-5250	70	10	each	each	PRON
easat-5250	70	11	of	of	ADP
easat-5250	70	12	these	these	DET
easat-5250	70	13	applications	application	NOUN
easat-5250	70	14	provides	provide	VERB
easat-5250	70	15	a	a	DET
easat-5250	70	16	range	range	NOUN
easat-5250	70	17	of	of	ADP
easat-5250	70	18	functions	function	NOUN
easat-5250	70	19	to	to	PART
easat-5250	70	20	satisfy	satisfy	VERB
easat-5250	70	21	customers	customer	NOUN
easat-5250	70	22	expectations	expectation	NOUN
easat-5250	70	23	for	for	ADP
easat-5250	70	24	digital	digital	ADJ
easat-5250	70	25	banking	banking	NOUN
easat-5250	71	1	[	[	X
easat-5250	71	2	8	8	NUM
easat-5250	71	3	]	]	PUNCT
easat-5250	71	4	.	.	PUNCT
easat-5250	72	1	digital	digital	PROPN
easat-5250	72	2	banking	banking	NOUN
easat-5250	72	3	services	service	NOUN
easat-5250	72	4	include	include	VERB
easat-5250	72	5	a	a	DET
easat-5250	72	6	wide	wide	ADJ
easat-5250	72	7	range	range	NOUN
easat-5250	72	8	of	of	ADP
easat-5250	72	9	traditional	traditional	ADJ
easat-5250	72	10	banking	banking	NOUN
easat-5250	72	11	activities	activity	NOUN
easat-5250	72	12	integrated	integrate	VERB
easat-5250	72	13	in	in	ADP
easat-5250	72	14	a	a	DET
easat-5250	72	15	single	single	ADJ
easat-5250	72	16	application	application	NOUN
easat-5250	72	17	,	,	PUNCT
easat-5250	72	18	such	such	ADJ
easat-5250	72	19	as	as	ADP
easat-5250	72	20	deposit	deposit	NOUN
easat-5250	72	21	management	management	NOUN
easat-5250	72	22	,	,	PUNCT
easat-5250	72	23	fund	fund	NOUN
easat-5250	72	24	transfers	transfer	NOUN
easat-5250	72	25	,	,	PUNCT
easat-5250	72	26	deposits	deposit	NOUN
easat-5250	72	27	,	,	PUNCT
easat-5250	72	28	current	current	ADJ
easat-5250	72	29	accounts	account	NOUN
easat-5250	72	30	,	,	PUNCT
easat-5250	72	31	and	and	CCONJ
easat-5250	72	32	other	other	ADJ
easat-5250	72	33	services	service	NOUN
easat-5250	72	34	[	[	X
easat-5250	72	35	27	27	NUM
easat-5250	72	36	,	,	PUNCT
easat-5250	72	37	28	28	NUM
easat-5250	72	38	]	]	PUNCT
easat-5250	72	39	.	.	PUNCT
easat-5250	73	1	service	service	NOUN
easat-5250	73	2	quality	quality	NOUN
easat-5250	73	3	has	have	AUX
easat-5250	73	4	been	be	AUX
easat-5250	73	5	empirically	empirically	ADV
easat-5250	73	6	proven	prove	VERB
easat-5250	73	7	as	as	ADP
easat-5250	73	8	a	a	DET
easat-5250	73	9	strong	strong	ADJ
easat-5250	73	10	factor	factor	NOUN
easat-5250	73	11	influencing	influence	VERB
easat-5250	73	12	user	user	NOUN
easat-5250	73	13	satisfaction	satisfaction	NOUN
easat-5250	73	14	in	in	ADP
easat-5250	73	15	the	the	DET
easat-5250	73	16	banking	banking	NOUN
easat-5250	73	17	industry	industry	NOUN
easat-5250	73	18	,	,	PUNCT
easat-5250	73	19	suggesting	suggest	VERB
easat-5250	73	20	that	that	SCONJ
easat-5250	73	21	service	service	NOUN
easat-5250	73	22	quality	quality	NOUN
easat-5250	73	23	plays	play	VERB
easat-5250	73	24	an	an	DET
easat-5250	73	25	important	important	ADJ
easat-5250	73	26	role	role	NOUN
easat-5250	73	27	in	in	ADP
easat-5250	73	28	determining	determine	VERB
easat-5250	73	29	customer	customer	NOUN
easat-5250	73	30	satisfaction	satisfaction	NOUN
easat-5250	73	31	[	[	X
easat-5250	73	32	18	18	NUM
easat-5250	73	33	,	,	PUNCT
easat-5250	73	34	29	29	NUM
easat-5250	73	35	]	]	PUNCT
easat-5250	73	36	.	.	PUNCT
easat-5250	74	1	therefore	therefore	ADV
easat-5250	74	2	,	,	PUNCT
easat-5250	74	3	banks	bank	NOUN
easat-5250	74	4	need	need	VERB
easat-5250	74	5	to	to	PART
easat-5250	74	6	continuously	continuously	ADV
easat-5250	74	7	improve	improve	VERB
easat-5250	74	8	the	the	DET
easat-5250	74	9	quality	quality	NOUN
easat-5250	74	10	of	of	ADP
easat-5250	74	11	their	their	PRON
easat-5250	74	12	digital	digital	ADJ
easat-5250	74	13	services	service	NOUN
easat-5250	74	14	to	to	PART
easat-5250	74	15	retain	retain	VERB
easat-5250	74	16	and	and	CCONJ
easat-5250	74	17	attract	attract	VERB
easat-5250	74	18	more	more	ADJ
easat-5250	74	19	users	user	NOUN
easat-5250	74	20	in	in	ADP
easat-5250	74	21	this	this	DET
easat-5250	74	22	digital	digital	ADJ
easat-5250	74	23	era	era	NOUN
easat-5250	74	24	.	.	PUNCT
easat-5250	75	1	2.2	2.2	NUM
easat-5250	75	2	.	.	PUNCT
easat-5250	76	1	e	e	X
easat-5250	76	2	-	-	PUNCT
easat-5250	76	3	s	s	X
easat-5250	76	4	-	-	PUNCT
easat-5250	76	5	qual	qual	ADJ
easat-5250	76	6	e	e	NOUN
easat-5250	76	7	-	-	NOUN
easat-5250	76	8	service	service	ADJ
easat-5250	76	9	quality	quality	NOUN
easat-5250	76	10	,	,	PUNCT
easat-5250	76	11	including	include	VERB
easat-5250	76	12	e	e	NOUN
easat-5250	76	13	-	-	ADJ
easat-5250	76	14	banking	banking	ADJ
easat-5250	76	15	service	service	NOUN
easat-5250	76	16	quality	quality	NOUN
easat-5250	76	17	,	,	PUNCT
easat-5250	76	18	is	be	AUX
easat-5250	76	19	defined	define	VERB
easat-5250	76	20	as	as	ADP
easat-5250	76	21	consumers	consumer	NOUN
easat-5250	76	22	’	’	PART
easat-5250	76	23	overall	overall	ADJ
easat-5250	76	24	evaluation	evaluation	NOUN
easat-5250	76	25	and	and	CCONJ
easat-5250	76	26	judgment	judgment	NOUN
easat-5250	76	27	of	of	ADP
easat-5250	76	28	the	the	DET
easat-5250	76	29	excellence	excellence	NOUN
easat-5250	76	30	and	and	CCONJ
easat-5250	76	31	quality	quality	NOUN
easat-5250	76	32	of	of	ADP
easat-5250	76	33	e	e	NOUN
easat-5250	76	34	-	-	NOUN
easat-5250	76	35	service	service	NOUN
easat-5250	76	36	offerings	offering	NOUN
easat-5250	76	37	in	in	ADP
easat-5250	76	38	a	a	DET
easat-5250	76	39	virtual	virtual	ADJ
easat-5250	76	40	market	market	NOUN
easat-5250	76	41	environment	environment	NOUN
easat-5250	76	42	[	[	X
easat-5250	76	43	3032	3032	NUM
easat-5250	76	44	]	]	PUNCT
easat-5250	76	45	.	.	PUNCT
easat-5250	77	1	the	the	DET
easat-5250	77	2	e	e	PROPN
easat-5250	77	3	-	-	ADJ
easat-5250	77	4	s	s	ADP
easat-5250	77	5	-	-	PUNCT
easat-5250	77	6	qual	qual	ADJ
easat-5250	77	7	model	model	NOUN
easat-5250	77	8	is	be	AUX
easat-5250	77	9	a	a	DET
easat-5250	77	10	scale	scale	NOUN
easat-5250	77	11	designed	design	VERB
easat-5250	77	12	to	to	PART
easat-5250	77	13	measure	measure	VERB
easat-5250	77	14	the	the	DET
easat-5250	77	15	quality	quality	NOUN
easat-5250	77	16	of	of	ADP
easat-5250	77	17	electronic	electronic	ADJ
easat-5250	77	18	services	service	NOUN
easat-5250	77	19	provided	provide	VERB
easat-5250	77	20	through	through	ADP
easat-5250	77	21	websites	website	NOUN
easat-5250	77	22	,	,	PUNCT
easat-5250	77	23	which	which	PRON
easat-5250	77	24	is	be	AUX
easat-5250	77	25	a	a	DET
easat-5250	77	26	development	development	NOUN
easat-5250	77	27	of	of	ADP
easat-5250	77	28	the	the	DET
easat-5250	77	29	servqual	servqual	ADJ
easat-5250	77	30	framework	framework	NOUN
easat-5250	77	31	.	.	PUNCT
easat-5250	78	1	the	the	DET
easat-5250	78	2	servqual	servqual	ADJ
easat-5250	78	3	framework	framework	NOUN
easat-5250	78	4	was	be	AUX
easat-5250	78	5	originally	originally	ADV
easat-5250	78	6	designed	design	VERB
easat-5250	78	7	to	to	PART
easat-5250	78	8	assess	assess	VERB
easat-5250	78	9	service	service	NOUN
easat-5250	78	10	quality	quality	NOUN
easat-5250	78	11	through	through	ADP
easat-5250	78	12	five	five	NUM
easat-5250	78	13	dimensions	dimension	NOUN
easat-5250	78	14	,	,	PUNCT
easat-5250	78	15	namely	namely	ADV
easat-5250	78	16	reliability	reliability	NOUN
easat-5250	78	17	,	,	PUNCT
easat-5250	78	18	responsiveness	responsiveness	NOUN
easat-5250	78	19	,	,	PUNCT
easat-5250	78	20	assurance	assurance	NOUN
easat-5250	78	21	,	,	PUNCT
easat-5250	78	22	empathy	empathy	NOUN
easat-5250	78	23	,	,	PUNCT
easat-5250	78	24	and	and	CCONJ
easat-5250	78	25	tangibles	tangible	NOUN
easat-5250	78	26	.	.	PUNCT
easat-5250	79	1	in	in	ADP
easat-5250	79	2	the	the	DET
easat-5250	79	3	context	context	NOUN
easat-5250	79	4	of	of	ADP
easat-5250	79	5	e	e	NOUN
easat-5250	79	6	-	-	VERB
easat-5250	79	7	s	s	X
easat-5250	79	8	-	-	PUNCT
easat-5250	79	9	qual	qual	ADJ
easat-5250	79	10	,	,	PUNCT
easat-5250	79	11	service	service	NOUN
easat-5250	79	12	quality	quality	NOUN
easat-5250	79	13	evaluation	evaluation	NOUN
easat-5250	79	14	is	be	AUX
easat-5250	79	15	carried	carry	VERB
easat-5250	79	16	out	out	ADP
easat-5250	79	17	through	through	ADP
easat-5250	79	18	22	22	NUM
easat-5250	79	19	items	item	NOUN
easat-5250	79	20	which	which	PRON
easat-5250	79	21	are	be	AUX
easat-5250	79	22	divided	divide	VERB
easat-5250	79	23	into	into	ADP
easat-5250	79	24	four	four	NUM
easat-5250	79	25	main	main	ADJ
easat-5250	79	26	dimensions	dimension	NOUN
easat-5250	79	27	,	,	PUNCT
easat-5250	79	28	namely	namely	ADV
easat-5250	79	29	efficiency	efficiency	NOUN
easat-5250	79	30	,	,	PUNCT
easat-5250	79	31	fulfillment	fulfillment	NOUN
easat-5250	79	32	,	,	PUNCT
easat-5250	79	33	system	system	NOUN
easat-5250	79	34	availability	availability	NOUN
easat-5250	79	35	,	,	PUNCT
easat-5250	79	36	and	and	CCONJ
easat-5250	79	37	security	security	NOUN
easat-5250	79	38	[	[	X
easat-5250	79	39	17	17	NUM
easat-5250	79	40	]	]	PUNCT
easat-5250	79	41	.	.	PUNCT
easat-5250	80	1	the	the	DET
easat-5250	80	2	five	five	NUM
easat-5250	80	3	dimensions	dimension	NOUN
easat-5250	80	4	of	of	ADP
easat-5250	80	5	service	service	NOUN
easat-5250	80	6	quality	quality	NOUN
easat-5250	80	7	suggested	suggest	VERB
easat-5250	80	8	by	by	ADP
easat-5250	80	9	parasuraman	parasuraman	NOUN
easat-5250	80	10	,	,	PUNCT
easat-5250	80	11	et	et	PROPN
easat-5250	80	12	al	al	PROPN
easat-5250	80	13	.	.	PUNCT
easat-5250	81	1	[	[	X
easat-5250	81	2	17	17	NUM
easat-5250	81	3	]	]	PUNCT
easat-5250	81	4	form	form	NOUN
easat-5250	81	5	the	the	DET
easat-5250	81	6	basis	basis	NOUN
easat-5250	81	7	for	for	ADP
easat-5250	81	8	evaluating	evaluate	VERB
easat-5250	81	9	the	the	DET
easat-5250	81	10	quality	quality	NOUN
easat-5250	81	11	of	of	ADP
easat-5250	81	12	digital	digital	ADJ
easat-5250	81	13	banking	banking	NOUN
easat-5250	81	14	services	service	NOUN
easat-5250	81	15	from	from	ADP
easat-5250	81	16	a	a	DET
easat-5250	81	17	user	user	NOUN
easat-5250	81	18	perspective	perspective	NOUN
easat-5250	81	19	in	in	ADP
easat-5250	81	20	this	this	DET
easat-5250	81	21	study	study	NOUN
easat-5250	81	22	.	.	PUNCT
easat-5250	82	1	the	the	DET
easat-5250	82	2	electronic	electronic	ADJ
easat-5250	82	3	service	service	NOUN
easat-5250	82	4	quality	quality	NOUN
easat-5250	82	5	model	model	NOUN
easat-5250	82	6	(	(	PUNCT
easat-5250	82	7	e	e	NOUN
easat-5250	82	8	-	-	ADJ
easat-5250	82	9	s	s	X
easat-5250	82	10	-	-	PUNCT
easat-5250	82	11	qual	qual	ADJ
easat-5250	82	12	)	)	PUNCT
easat-5250	82	13	,	,	PUNCT
easat-5250	82	14	has	have	AUX
easat-5250	82	15	been	be	AUX
easat-5250	82	16	widely	widely	ADV
easat-5250	82	17	used	use	VERB
easat-5250	82	18	in	in	ADP
easat-5250	82	19	various	various	ADJ
easat-5250	82	20	studies	study	NOUN
easat-5250	82	21	to	to	PART
easat-5250	82	22	define	define	VERB
easat-5250	82	23	customer	customer	NOUN
easat-5250	82	24	experience	experience	NOUN
easat-5250	82	25	in	in	ADP
easat-5250	82	26	interactive	interactive	ADJ
easat-5250	82	27	virtual	virtual	ADJ
easat-5250	82	28	environments	environment	NOUN
easat-5250	82	29	,	,	PUNCT
easat-5250	82	30	as	as	ADV
easat-5250	82	31	well	well	ADV
easat-5250	82	32	as	as	ADP
easat-5250	82	33	to	to	PART
easat-5250	82	34	measure	measure	VERB
easat-5250	82	35	the	the	DET
easat-5250	82	36	level	level	NOUN
easat-5250	82	37	of	of	ADP
easat-5250	82	38	success	success	NOUN
easat-5250	82	39	of	of	ADP
easat-5250	82	40	a	a	DET
easat-5250	82	41	company	company	NOUN
easat-5250	82	42	[	[	X
easat-5250	82	43	30	30	NUM
easat-5250	82	44	]	]	PUNCT
easat-5250	82	45	.	.	PUNCT
easat-5250	83	1	previous	previous	ADJ
easat-5250	83	2	research	research	NOUN
easat-5250	83	3	used	use	VERB
easat-5250	83	4	the	the	DET
easat-5250	83	5	e	e	PROPN
easat-5250	83	6	-	-	ADJ
easat-5250	83	7	s	s	ADP
easat-5250	83	8	-	-	PUNCT
easat-5250	83	9	qual	qual	ADJ
easat-5250	83	10	approach	approach	NOUN
easat-5250	83	11	to	to	PART
easat-5250	83	12	examine	examine	VERB
easat-5250	83	13	the	the	DET
easat-5250	83	14	relationship	relationship	NOUN
easat-5250	83	15	between	between	ADP
easat-5250	83	16	customer	customer	NOUN
easat-5250	83	17	satisfaction	satisfaction	NOUN
easat-5250	83	18	[	[	X
easat-5250	83	19	24	24	NUM
easat-5250	83	20	,	,	PUNCT
easat-5250	83	21	28	28	NUM
easat-5250	83	22	,	,	PUNCT
easat-5250	83	23	33	33	NUM
easat-5250	83	24	]	]	PUNCT
easat-5250	83	25	.	.	PUNCT
easat-5250	84	1	3	3	X
easat-5250	84	2	.	.	X
easat-5250	84	3	research	research	NOUN
easat-5250	84	4	model	model	NOUN
easat-5250	84	5	and	and	CCONJ
easat-5250	84	6	hypothesis	hypothesis	NOUN
easat-5250	84	7	development	development	NOUN
easat-5250	84	8	figure	figure	NOUN
easat-5250	84	9	1	1	NUM
easat-5250	84	10	shows	show	VERB
easat-5250	84	11	the	the	DET
easat-5250	84	12	proposed	propose	VERB
easat-5250	84	13	research	research	NOUN
easat-5250	84	14	model	model	NOUN
easat-5250	84	15	,	,	PUNCT
easat-5250	84	16	which	which	PRON
easat-5250	84	17	measures	measure	VERB
easat-5250	84	18	the	the	DET
easat-5250	84	19	quality	quality	NOUN
easat-5250	84	20	of	of	ADP
easat-5250	84	21	digital	digital	ADJ
easat-5250	84	22	banking	banking	NOUN
easat-5250	84	23	services	service	NOUN
easat-5250	84	24	.	.	PUNCT
easat-5250	85	1	it	it	PRON
easat-5250	85	2	is	be	AUX
easat-5250	85	3	based	base	VERB
easat-5250	85	4	on	on	ADP
easat-5250	85	5	theoretical	theoretical	ADJ
easat-5250	85	6	models	model	NOUN
easat-5250	85	7	and	and	CCONJ
easat-5250	85	8	the	the	DET
easat-5250	85	9	literature	literature	NOUN
easat-5250	85	10	study	study	NOUN
easat-5250	85	11	.	.	PUNCT
easat-5250	86	1	we	we	PRON
easat-5250	86	2	explain	explain	VERB
easat-5250	86	3	the	the	DET
easat-5250	86	4	quality	quality	NOUN
easat-5250	86	5	of	of	ADP
easat-5250	86	6	digital	digital	ADJ
easat-5250	86	7	banking	banking	NOUN
easat-5250	86	8	services	service	NOUN
easat-5250	86	9	and	and	CCONJ
easat-5250	86	10	examine	examine	VERB
easat-5250	86	11	how	how	SCONJ
easat-5250	86	12	it	it	PRON
easat-5250	86	13	affects	affect	VERB
easat-5250	86	14	customer	customer	NOUN
easat-5250	86	15	satisfaction	satisfaction	NOUN
easat-5250	86	16	using	use	VERB
easat-5250	86	17	a	a	DET
easat-5250	86	18	modified	modify	VERB
easat-5250	86	19	version	version	NOUN
easat-5250	86	20	of	of	ADP
easat-5250	86	21	the	the	DET
easat-5250	86	22	e	e	PROPN
easat-5250	86	23	-	-	ADJ
easat-5250	86	24	s	s	ADP
easat-5250	86	25	-	-	PUNCT
easat-5250	86	26	qual	qual	ADJ
easat-5250	86	27	theory	theory	NOUN
easat-5250	86	28	.	.	PUNCT
easat-5250	87	1	492	492	NUM
easat-5250	87	2	edelweiss	edelweiss	PROPN
easat-5250	87	3	applied	apply	VERB
easat-5250	87	4	science	science	NOUN
easat-5250	87	5	and	and	CCONJ
easat-5250	87	6	technology	technology	NOUN
easat-5250	87	7	issn	issn	PROPN
easat-5250	87	8	:	:	PUNCT
easat-5250	87	9	2576	2576	NUM
easat-5250	87	10	-	-	SYM
easat-5250	87	11	8484	8484	NUM
easat-5250	87	12	vol	vol	NOUN
easat-5250	87	13	.	.	PROPN
easat-5250	88	1	9	9	NUM
easat-5250	88	2	,	,	PUNCT
easat-5250	88	3	no	no	INTJ
easat-5250	88	4	.	.	NOUN
easat-5250	89	1	3	3	NUM
easat-5250	89	2	:	:	PUNCT
easat-5250	89	3	489	489	NUM
easat-5250	89	4	-	-	SYM
easat-5250	89	5	510	510	NUM
easat-5250	89	6	,	,	PUNCT
easat-5250	89	7	2025	2025	NUM
easat-5250	89	8	doi	doi	NOUN
easat-5250	89	9	:	:	PUNCT
easat-5250	89	10	10.55214/25768484.v9i3.5250	10.55214/25768484.v9i3.5250	NUM
easat-5250	89	11	©	©	PROPN
easat-5250	89	12	2025	2025	NUM
easat-5250	89	13	by	by	ADP
easat-5250	89	14	the	the	DET
easat-5250	89	15	authors	author	NOUN
easat-5250	89	16	;	;	PUNCT
easat-5250	89	17	licensee	licensee	PROPN
easat-5250	89	18	learning	learn	VERB
easat-5250	89	19	gate	gate	NOUN
easat-5250	89	20	figure	figure	NOUN
easat-5250	89	21	1	1	NUM
easat-5250	89	22	.	.	PUNCT
easat-5250	90	1	the	the	DET
easat-5250	90	2	proposed	propose	VERB
easat-5250	90	3	research	research	NOUN
easat-5250	90	4	model	model	NOUN
easat-5250	90	5	.	.	PUNCT
easat-5250	91	1	3.1	3.1	NUM
easat-5250	91	2	.	.	PUNCT
easat-5250	91	3	efficiency	efficiency	NOUN
easat-5250	91	4	efficiency	efficiency	NOUN
easat-5250	91	5	in	in	ADP
easat-5250	91	6	digital	digital	ADJ
easat-5250	91	7	banking	banking	NOUN
easat-5250	91	8	refers	refer	VERB
easat-5250	91	9	to	to	ADP
easat-5250	91	10	the	the	DET
easat-5250	91	11	ability	ability	NOUN
easat-5250	91	12	of	of	ADP
easat-5250	91	13	banks	bank	NOUN
easat-5250	91	14	to	to	PART
easat-5250	91	15	optimize	optimize	VERB
easat-5250	91	16	their	their	PRON
easat-5250	91	17	operations	operation	NOUN
easat-5250	91	18	,	,	PUNCT
easat-5250	91	19	reduce	reduce	VERB
easat-5250	91	20	costs	cost	NOUN
easat-5250	91	21	,	,	PUNCT
easat-5250	91	22	meet	meet	VERB
easat-5250	91	23	customer	customer	NOUN
easat-5250	91	24	demands	demand	NOUN
easat-5250	91	25	,	,	PUNCT
easat-5250	91	26	and	and	CCONJ
easat-5250	91	27	remain	remain	VERB
easat-5250	91	28	competitive	competitive	ADJ
easat-5250	91	29	through	through	ADP
easat-5250	91	30	the	the	DET
easat-5250	91	31	adoption	adoption	NOUN
easat-5250	91	32	of	of	ADP
easat-5250	91	33	digital	digital	ADJ
easat-5250	91	34	technologies	technology	NOUN
easat-5250	91	35	[	[	X
easat-5250	91	36	34	34	NUM
easat-5250	91	37	]	]	PUNCT
easat-5250	91	38	.	.	PUNCT
easat-5250	92	1	by	by	ADP
easat-5250	92	2	adopting	adopt	VERB
easat-5250	92	3	digital	digital	ADJ
easat-5250	92	4	technologies	technology	NOUN
easat-5250	92	5	,	,	PUNCT
easat-5250	92	6	banks	bank	NOUN
easat-5250	92	7	can	can	AUX
easat-5250	92	8	reduce	reduce	VERB
easat-5250	92	9	operational	operational	ADJ
easat-5250	92	10	costs	cost	NOUN
easat-5250	92	11	and	and	CCONJ
easat-5250	92	12	improve	improve	VERB
easat-5250	92	13	service	service	NOUN
easat-5250	92	14	efficiency	efficiency	NOUN
easat-5250	92	15	,	,	PUNCT
easat-5250	92	16	which	which	PRON
easat-5250	92	17	makes	make	VERB
easat-5250	92	18	them	they	PRON
easat-5250	92	19	more	more	ADV
easat-5250	92	20	attractive	attractive	ADJ
easat-5250	92	21	to	to	ADP
easat-5250	92	22	customers	customer	NOUN
easat-5250	92	23	seeking	seek	VERB
easat-5250	92	24	fast	fast	ADJ
easat-5250	92	25	and	and	CCONJ
easat-5250	92	26	economical	economical	ADJ
easat-5250	92	27	services	service	NOUN
easat-5250	92	28	[	[	X
easat-5250	92	29	35	35	NUM
easat-5250	92	30	]	]	PUNCT
easat-5250	92	31	.	.	PUNCT
easat-5250	93	1	digital	digital	ADJ
easat-5250	93	2	banking	banking	NOUN
easat-5250	93	3	has	have	AUX
easat-5250	93	4	improved	improve	VERB
easat-5250	93	5	efficiency	efficiency	NOUN
easat-5250	93	6	and	and	CCONJ
easat-5250	93	7	cost	cost	NOUN
easat-5250	93	8	-	-	PUNCT
easat-5250	93	9	effectiveness	effectiveness	NOUN
easat-5250	93	10	in	in	ADP
easat-5250	93	11	the	the	DET
easat-5250	93	12	process	process	NOUN
easat-5250	93	13	of	of	ADP
easat-5250	93	14	technology	technology	NOUN
easat-5250	93	15	-	-	PUNCT
easat-5250	93	16	enabled	enable	VERB
easat-5250	93	17	service	service	NOUN
easat-5250	93	18	delivery	delivery	NOUN
easat-5250	93	19	[	[	X
easat-5250	93	20	26	26	NUM
easat-5250	93	21	]	]	PUNCT
easat-5250	93	22	.	.	PUNCT
easat-5250	94	1	the	the	DET
easat-5250	94	2	study	study	NOUN
easat-5250	94	3	of	of	ADP
easat-5250	94	4	raza	raza	PROPN
easat-5250	94	5	,	,	PUNCT
easat-5250	94	6	et	et	PROPN
easat-5250	94	7	al	al	PROPN
easat-5250	94	8	.	.	PUNCT
easat-5250	95	1	[	[	X
easat-5250	95	2	24	24	NUM
easat-5250	95	3	]	]	PUNCT
easat-5250	95	4	recommend	recommend	VERB
easat-5250	95	5	that	that	SCONJ
easat-5250	95	6	banks	bank	NOUN
easat-5250	95	7	invest	invest	VERB
easat-5250	95	8	more	more	ADV
easat-5250	95	9	in	in	ADP
easat-5250	95	10	the	the	DET
easat-5250	95	11	efficiency	efficiency	NOUN
easat-5250	95	12	dimension	dimension	NOUN
easat-5250	95	13	as	as	SCONJ
easat-5250	95	14	it	it	PRON
easat-5250	95	15	is	be	AUX
easat-5250	95	16	the	the	DET
easat-5250	95	17	strongest	strong	ADJ
easat-5250	95	18	predictor	predictor	NOUN
easat-5250	95	19	of	of	ADP
easat-5250	95	20	electronic	electronic	ADJ
easat-5250	95	21	customer	customer	NOUN
easat-5250	95	22	satisfaction	satisfaction	NOUN
easat-5250	95	23	.	.	PUNCT
easat-5250	96	1	when	when	SCONJ
easat-5250	96	2	customers	customer	NOUN
easat-5250	96	3	are	be	AUX
easat-5250	96	4	satisfied	satisfied	ADJ
easat-5250	96	5	,	,	PUNCT
easat-5250	96	6	this	this	PRON
easat-5250	96	7	will	will	AUX
easat-5250	96	8	ultimately	ultimately	ADV
easat-5250	96	9	increase	increase	VERB
easat-5250	96	10	their	their	PRON
easat-5250	96	11	loyalty	loyalty	NOUN
easat-5250	96	12	.	.	PUNCT
easat-5250	97	1	research	research	NOUN
easat-5250	97	2	by	by	ADP
easat-5250	97	3	carbó‐valverde	carbó‐valverde	PROPN
easat-5250	97	4	,	,	PUNCT
easat-5250	97	5	et	et	PROPN
easat-5250	97	6	al	al	PROPN
easat-5250	97	7	.	.	PUNCT
easat-5250	98	1	[	[	X
easat-5250	98	2	36	36	NUM
easat-5250	98	3	]	]	PUNCT
easat-5250	98	4	emphasized	emphasize	VERB
easat-5250	98	5	that	that	SCONJ
easat-5250	98	6	effective	effective	ADJ
easat-5250	98	7	digital	digital	ADJ
easat-5250	98	8	transformation	transformation	NOUN
easat-5250	98	9	positively	positively	ADV
easat-5250	98	10	affects	affect	VERB
easat-5250	98	11	customer	customer	NOUN
easat-5250	98	12	satisfaction	satisfaction	NOUN
easat-5250	98	13	,	,	PUNCT
easat-5250	98	14	with	with	ADP
easat-5250	98	15	customers	customer	NOUN
easat-5250	98	16	being	be	AUX
easat-5250	98	17	more	more	ADV
easat-5250	98	18	satisfied	satisfied	ADJ
easat-5250	98	19	with	with	ADP
easat-5250	98	20	banks	bank	NOUN
easat-5250	98	21	that	that	PRON
easat-5250	98	22	have	have	VERB
easat-5250	98	23	higher	high	ADJ
easat-5250	98	24	levels	level	NOUN
easat-5250	98	25	of	of	ADP
easat-5250	98	26	digitalization	digitalization	NOUN
easat-5250	98	27	.	.	PUNCT
easat-5250	99	1	this	this	DET
easat-5250	99	2	result	result	NOUN
easat-5250	99	3	is	be	AUX
easat-5250	99	4	consistent	consistent	ADJ
easat-5250	99	5	with	with	ADP
easat-5250	99	6	previous	previous	ADJ
easat-5250	99	7	studies	study	NOUN
easat-5250	99	8	which	which	PRON
easat-5250	99	9	hypothesize	hypothesize	VERB
easat-5250	99	10	that	that	SCONJ
easat-5250	99	11	digital	digital	ADJ
easat-5250	99	12	bank	bank	NOUN
easat-5250	99	13	quality	quality	NOUN
easat-5250	99	14	has	have	VERB
easat-5250	99	15	an	an	DET
easat-5250	99	16	impact	impact	NOUN
easat-5250	99	17	on	on	ADP
easat-5250	99	18	customer	customer	NOUN
easat-5250	99	19	satisfaction	satisfaction	NOUN
easat-5250	99	20	[	[	X
easat-5250	99	21	18	18	NUM
easat-5250	99	22	,	,	PUNCT
easat-5250	99	23	27	27	NUM
easat-5250	99	24	,	,	PUNCT
easat-5250	99	25	33	33	NUM
easat-5250	99	26	,	,	PUNCT
easat-5250	99	27	37	37	NUM
easat-5250	99	28	,	,	PUNCT
easat-5250	99	29	38	38	NUM
easat-5250	99	30	]	]	PUNCT
easat-5250	99	31	.	.	PUNCT
easat-5250	100	1	based	base	VERB
easat-5250	100	2	on	on	ADP
easat-5250	100	3	the	the	DET
easat-5250	100	4	previously	previously	ADV
easat-5250	100	5	described	describe	VERB
easat-5250	100	6	literature	literature	NOUN
easat-5250	100	7	,	,	PUNCT
easat-5250	100	8	the	the	DET
easat-5250	100	9	following	follow	VERB
easat-5250	100	10	hypotheses	hypothesis	NOUN
easat-5250	100	11	are	be	AUX
easat-5250	100	12	proposed	propose	VERB
easat-5250	100	13	:	:	PUNCT
easat-5250	100	14	h1	h1	NOUN
easat-5250	100	15	:	:	PUNCT
easat-5250	100	16	efficiency	efficiency	NOUN
easat-5250	100	17	of	of	ADP
easat-5250	100	18	digital	digital	PROPN
easat-5250	100	19	bank	bank	NOUN
easat-5250	100	20	services	service	NOUN
easat-5250	100	21	has	have	VERB
easat-5250	100	22	a	a	DET
easat-5250	100	23	significant	significant	ADJ
easat-5250	100	24	positive	positive	ADJ
easat-5250	100	25	effect	effect	NOUN
easat-5250	100	26	on	on	ADP
easat-5250	100	27	customer	customer	NOUN
easat-5250	100	28	satisfaction	satisfaction	NOUN
easat-5250	100	29	among	among	ADP
easat-5250	100	30	generation	generation	NOUN
easat-5250	100	31	z.	z.	PROPN
easat-5250	100	32	3.2	3.2	NUM
easat-5250	100	33	.	.	PUNCT
easat-5250	101	1	fulfillment	fulfillment	NOUN
easat-5250	101	2	fulfillment	fulfillment	NOUN
easat-5250	101	3	in	in	ADP
easat-5250	101	4	the	the	DET
easat-5250	101	5	context	context	NOUN
easat-5250	101	6	of	of	ADP
easat-5250	101	7	digital	digital	ADJ
easat-5250	101	8	banking	banking	NOUN
easat-5250	101	9	relates	relate	VERB
easat-5250	101	10	to	to	ADP
easat-5250	101	11	timeliness	timeliness	NOUN
easat-5250	101	12	and	and	CCONJ
easat-5250	101	13	accuracy	accuracy	NOUN
easat-5250	101	14	in	in	ADP
easat-5250	101	15	service	service	NOUN
easat-5250	101	16	delivery	delivery	NOUN
easat-5250	101	17	through	through	ADP
easat-5250	101	18	digital	digital	ADJ
easat-5250	101	19	channels	channel	NOUN
easat-5250	101	20	[	[	X
easat-5250	101	21	26	26	NUM
easat-5250	101	22	]	]	PUNCT
easat-5250	101	23	.	.	PUNCT
easat-5250	102	1	this	this	PRON
easat-5250	102	2	means	mean	VERB
easat-5250	102	3	that	that	SCONJ
easat-5250	102	4	the	the	DET
easat-5250	102	5	services	service	NOUN
easat-5250	102	6	provided	provide	VERB
easat-5250	102	7	must	must	AUX
easat-5250	102	8	be	be	AUX
easat-5250	102	9	timely	timely	ADJ
easat-5250	102	10	,	,	PUNCT
easat-5250	102	11	accurate	accurate	ADJ
easat-5250	102	12	,	,	PUNCT
easat-5250	102	13	and	and	CCONJ
easat-5250	102	14	able	able	ADJ
easat-5250	102	15	to	to	PART
easat-5250	102	16	meet	meet	VERB
easat-5250	102	17	customer	customer	NOUN
easat-5250	102	18	expectations	expectation	NOUN
easat-5250	102	19	.	.	PUNCT
easat-5250	103	1	ahmed	ahmed	PROPN
easat-5250	103	2	,	,	PUNCT
easat-5250	103	3	et	et	PROPN
easat-5250	103	4	al	al	PROPN
easat-5250	103	5	.	.	PUNCT
easat-5250	104	1	[	[	X
easat-5250	104	2	27	27	NUM
easat-5250	104	3	]	]	PUNCT
easat-5250	104	4	added	add	VERB
easat-5250	104	5	that	that	SCONJ
easat-5250	104	6	fulfillment	fulfillment	NOUN
easat-5250	104	7	also	also	ADV
easat-5250	104	8	includes	include	VERB
easat-5250	104	9	evaluating	evaluate	VERB
easat-5250	104	10	the	the	DET
easat-5250	104	11	technical	technical	ADJ
easat-5250	104	12	performance	performance	NOUN
easat-5250	104	13	of	of	ADP
easat-5250	104	14	web	web	NOUN
easat-5250	104	15	applications	application	NOUN
easat-5250	104	16	,	,	PUNCT
easat-5250	104	17	operations	operation	NOUN
easat-5250	104	18	,	,	PUNCT
easat-5250	104	19	and	and	CCONJ
easat-5250	104	20	overall	overall	ADJ
easat-5250	104	21	performance	performance	NOUN
easat-5250	104	22	.	.	PUNCT
easat-5250	105	1	this	this	PRON
easat-5250	105	2	suggests	suggest	VERB
easat-5250	105	3	that	that	SCONJ
easat-5250	105	4	the	the	DET
easat-5250	105	5	reliability	reliability	NOUN
easat-5250	105	6	and	and	CCONJ
easat-5250	105	7	ease	ease	NOUN
easat-5250	105	8	of	of	ADP
easat-5250	105	9	access	access	NOUN
easat-5250	105	10	of	of	ADP
easat-5250	105	11	a	a	DET
easat-5250	105	12	digital	digital	ADJ
easat-5250	105	13	platform	platform	NOUN
easat-5250	105	14	,	,	PUNCT
easat-5250	105	15	such	such	ADJ
easat-5250	105	16	as	as	ADP
easat-5250	105	17	a	a	DET
easat-5250	105	18	bank	bank	NOUN
easat-5250	105	19	app	app	NOUN
easat-5250	105	20	or	or	CCONJ
easat-5250	105	21	website	website	NOUN
easat-5250	105	22	,	,	PUNCT
easat-5250	105	23	are	be	AUX
easat-5250	105	24	important	important	ADJ
easat-5250	105	25	elements	element	NOUN
easat-5250	105	26	493	493	NUM
easat-5250	105	27	edelweiss	edelweiss	PROPN
easat-5250	105	28	applied	apply	VERB
easat-5250	105	29	science	science	NOUN
easat-5250	105	30	and	and	CCONJ
easat-5250	105	31	technology	technology	NOUN
easat-5250	105	32	issn	issn	PROPN
easat-5250	105	33	:	:	PUNCT
easat-5250	105	34	2576	2576	NUM
easat-5250	105	35	-	-	SYM
easat-5250	105	36	8484	8484	NUM
easat-5250	105	37	vol	vol	NOUN
easat-5250	105	38	.	.	PROPN
easat-5250	106	1	9	9	NUM
easat-5250	106	2	,	,	PUNCT
easat-5250	106	3	no	no	INTJ
easat-5250	106	4	.	.	NOUN
easat-5250	107	1	3	3	NUM
easat-5250	107	2	:	:	PUNCT
easat-5250	107	3	489	489	NUM
easat-5250	107	4	-	-	SYM
easat-5250	107	5	510	510	NUM
easat-5250	107	6	,	,	PUNCT
easat-5250	107	7	2025	2025	NUM
easat-5250	107	8	doi	doi	NOUN
easat-5250	107	9	:	:	PUNCT
easat-5250	107	10	10.55214/25768484.v9i3.5250	10.55214/25768484.v9i3.5250	NUM
easat-5250	107	11	©	©	PROPN
easat-5250	107	12	2025	2025	NUM
easat-5250	107	13	by	by	ADP
easat-5250	107	14	the	the	DET
easat-5250	107	15	authors	author	NOUN
easat-5250	107	16	;	;	PUNCT
easat-5250	107	17	licensee	licensee	PROPN
easat-5250	107	18	learning	learning	NOUN
easat-5250	107	19	gate	gate	NOUN
easat-5250	107	20	in	in	ADP
easat-5250	107	21	ensuring	ensure	VERB
easat-5250	107	22	a	a	DET
easat-5250	107	23	high	high	ADJ
easat-5250	107	24	level	level	NOUN
easat-5250	107	25	of	of	ADP
easat-5250	107	26	fulfillment	fulfillment	NOUN
easat-5250	107	27	.	.	PUNCT
easat-5250	108	1	users	user	NOUN
easat-5250	108	2	expect	expect	VERB
easat-5250	108	3	digital	digital	ADJ
easat-5250	108	4	bank	bank	NOUN
easat-5250	108	5	apps	app	NOUN
easat-5250	108	6	or	or	CCONJ
easat-5250	108	7	websites	website	NOUN
easat-5250	108	8	to	to	PART
easat-5250	108	9	function	function	VERB
easat-5250	108	10	properly	properly	ADV
easat-5250	108	11	,	,	PUNCT
easat-5250	108	12	not	not	PART
easat-5250	108	13	experience	experience	NOUN
easat-5250	108	14	glitches	glitch	NOUN
easat-5250	108	15	,	,	PUNCT
easat-5250	108	16	and	and	CCONJ
easat-5250	108	17	be	be	AUX
easat-5250	108	18	easily	easily	ADV
easat-5250	108	19	accessible	accessible	ADJ
easat-5250	108	20	[	[	X
easat-5250	108	21	39	39	NUM
easat-5250	108	22	]	]	PUNCT
easat-5250	108	23	.	.	PUNCT
easat-5250	109	1	previous	previous	ADJ
easat-5250	109	2	studies	study	NOUN
easat-5250	109	3	have	have	AUX
easat-5250	109	4	shown	show	VERB
easat-5250	109	5	a	a	DET
easat-5250	109	6	positive	positive	ADJ
easat-5250	109	7	and	and	CCONJ
easat-5250	109	8	significant	significant	ADJ
easat-5250	109	9	relationship	relationship	NOUN
easat-5250	109	10	between	between	ADP
easat-5250	109	11	fulfillment	fulfillment	NOUN
easat-5250	109	12	and	and	CCONJ
easat-5250	109	13	e	e	NOUN
easat-5250	109	14	-	-	ADJ
easat-5250	109	15	banking	banking	ADJ
easat-5250	109	16	user	user	NOUN
easat-5250	109	17	satisfaction	satisfaction	NOUN
easat-5250	109	18	[	[	X
easat-5250	109	19	40	40	NUM
easat-5250	109	20	,	,	PUNCT
easat-5250	109	21	41	41	NUM
easat-5250	109	22	]	]	PUNCT
easat-5250	109	23	based	base	VERB
easat-5250	109	24	on	on	ADP
easat-5250	109	25	the	the	DET
easat-5250	109	26	previously	previously	ADV
easat-5250	109	27	described	describe	VERB
easat-5250	109	28	literature	literature	NOUN
easat-5250	109	29	,	,	PUNCT
easat-5250	109	30	the	the	DET
easat-5250	109	31	following	follow	VERB
easat-5250	109	32	hypothesis	hypothesis	NOUN
easat-5250	109	33	is	be	AUX
easat-5250	109	34	proposed	propose	VERB
easat-5250	109	35	:	:	PUNCT
easat-5250	109	36	h2	h2	NOUN
easat-5250	109	37	:	:	PUNCT
easat-5250	109	38	fulfillment	fulfillment	NOUN
easat-5250	109	39	of	of	ADP
easat-5250	109	40	digital	digital	PROPN
easat-5250	109	41	bank	bank	NOUN
easat-5250	109	42	services	service	NOUN
easat-5250	109	43	has	have	VERB
easat-5250	109	44	a	a	DET
easat-5250	109	45	significant	significant	ADJ
easat-5250	109	46	positive	positive	ADJ
easat-5250	109	47	effect	effect	NOUN
easat-5250	109	48	on	on	ADP
easat-5250	109	49	customer	customer	NOUN
easat-5250	109	50	satisfaction	satisfaction	NOUN
easat-5250	109	51	among	among	ADP
easat-5250	109	52	generation	generation	NOUN
easat-5250	109	53	z.	z.	PROPN
easat-5250	109	54	3.3	3.3	NUM
easat-5250	109	55	.	.	PUNCT
easat-5250	110	1	system	system	NOUN
easat-5250	110	2	availability	availability	NOUN
easat-5250	110	3	system	system	NOUN
easat-5250	110	4	availability	availability	NOUN
easat-5250	110	5	in	in	ADP
easat-5250	110	6	digital	digital	ADJ
easat-5250	110	7	banking	banking	NOUN
easat-5250	110	8	means	mean	VERB
easat-5250	110	9	that	that	SCONJ
easat-5250	110	10	the	the	DET
easat-5250	110	11	online	online	ADJ
easat-5250	110	12	banking	banking	NOUN
easat-5250	110	13	system	system	NOUN
easat-5250	110	14	is	be	AUX
easat-5250	110	15	always	always	ADV
easat-5250	110	16	accessible	accessible	ADJ
easat-5250	110	17	to	to	ADP
easat-5250	110	18	customers	customer	NOUN
easat-5250	110	19	whenever	whenever	SCONJ
easat-5250	110	20	they	they	PRON
easat-5250	110	21	need	need	VERB
easat-5250	110	22	it	it	PRON
easat-5250	110	23	.	.	PUNCT
easat-5250	111	1	high	high	ADJ
easat-5250	111	2	system	system	NOUN
easat-5250	111	3	availability	availability	NOUN
easat-5250	111	4	helps	helps	AUX
easat-5250	111	5	maintain	maintain	VERB
easat-5250	111	6	customer	customer	NOUN
easat-5250	111	7	satisfaction	satisfaction	NOUN
easat-5250	111	8	and	and	CCONJ
easat-5250	111	9	trust	trust	NOUN
easat-5250	112	1	[	[	X
easat-5250	112	2	23	23	NUM
easat-5250	112	3	]	]	PUNCT
easat-5250	112	4	.	.	PUNCT
easat-5250	113	1	in	in	ADP
easat-5250	113	2	a	a	DET
easat-5250	113	3	technical	technical	ADJ
easat-5250	113	4	context	context	NOUN
easat-5250	113	5	,	,	PUNCT
easat-5250	113	6	system	system	NOUN
easat-5250	113	7	availability	availability	NOUN
easat-5250	113	8	refers	refer	VERB
easat-5250	113	9	to	to	ADP
easat-5250	113	10	the	the	DET
easat-5250	113	11	proper	proper	ADJ
easat-5250	113	12	functioning	functioning	NOUN
easat-5250	113	13	of	of	ADP
easat-5250	113	14	a	a	DET
easat-5250	113	15	banking	banking	NOUN
easat-5250	113	16	website	website	NOUN
easat-5250	113	17	or	or	CCONJ
easat-5250	113	18	application	application	NOUN
easat-5250	113	19	without	without	ADP
easat-5250	113	20	technical	technical	ADJ
easat-5250	113	21	glitches	glitch	NOUN
easat-5250	113	22	.	.	PUNCT
easat-5250	114	1	this	this	PRON
easat-5250	114	2	includes	include	VERB
easat-5250	114	3	the	the	DET
easat-5250	114	4	technical	technical	ADJ
easat-5250	114	5	infrastructure	infrastructure	NOUN
easat-5250	114	6	that	that	PRON
easat-5250	114	7	supports	support	VERB
easat-5250	114	8	the	the	DET
easat-5250	114	9	operation	operation	NOUN
easat-5250	114	10	of	of	ADP
easat-5250	114	11	the	the	DET
easat-5250	114	12	website	website	NOUN
easat-5250	114	13	and	and	CCONJ
easat-5250	114	14	the	the	DET
easat-5250	114	15	effectiveness	effectiveness	NOUN
easat-5250	114	16	of	of	ADP
easat-5250	114	17	the	the	DET
easat-5250	114	18	site	site	NOUN
easat-5250	114	19	in	in	ADP
easat-5250	114	20	providing	provide	VERB
easat-5250	114	21	services	service	NOUN
easat-5250	114	22	to	to	ADP
easat-5250	114	23	users	user	NOUN
easat-5250	114	24	[	[	X
easat-5250	114	25	27	27	NUM
easat-5250	114	26	,	,	PUNCT
easat-5250	114	27	42	42	NUM
easat-5250	114	28	]	]	PUNCT
easat-5250	114	29	.	.	PUNCT
easat-5250	115	1	however	however	ADV
easat-5250	115	2	,	,	PUNCT
easat-5250	115	3	studies	study	NOUN
easat-5250	115	4	on	on	ADP
easat-5250	115	5	the	the	DET
easat-5250	115	6	impact	impact	NOUN
easat-5250	115	7	of	of	ADP
easat-5250	115	8	system	system	NOUN
easat-5250	115	9	availability	availability	NOUN
easat-5250	115	10	on	on	ADP
easat-5250	115	11	customer	customer	NOUN
easat-5250	115	12	satisfaction	satisfaction	NOUN
easat-5250	115	13	give	give	VERB
easat-5250	115	14	mixed	mixed	ADJ
easat-5250	115	15	results	result	NOUN
easat-5250	115	16	.	.	PUNCT
easat-5250	116	1	some	some	DET
easat-5250	116	2	studies	study	NOUN
easat-5250	116	3	,	,	PUNCT
easat-5250	116	4	such	such	ADJ
easat-5250	116	5	as	as	ADP
easat-5250	116	6	those	those	PRON
easat-5250	116	7	conducted	conduct	VERB
easat-5250	116	8	by	by	ADP
easat-5250	116	9	mujinga	mujinga	ADV
easat-5250	116	10	[	[	X
easat-5250	116	11	23	23	NUM
easat-5250	116	12	]	]	PUNCT
easat-5250	116	13	and	and	CCONJ
easat-5250	116	14	ayinaddis	ayinaddi	NOUN
easat-5250	116	15	,	,	PUNCT
easat-5250	116	16	et	et	PROPN
easat-5250	116	17	al	al	PROPN
easat-5250	116	18	.	.	PUNCT
easat-5250	117	1	[	[	X
easat-5250	117	2	43	43	NUM
easat-5250	117	3	]	]	PUNCT
easat-5250	117	4	found	find	VERB
easat-5250	117	5	that	that	SCONJ
easat-5250	117	6	system	system	NOUN
easat-5250	117	7	availability	availability	NOUN
easat-5250	117	8	has	have	VERB
easat-5250	117	9	no	no	DET
easat-5250	117	10	statistically	statistically	ADV
easat-5250	117	11	significant	significant	ADJ
easat-5250	117	12	impact	impact	NOUN
easat-5250	117	13	on	on	ADP
easat-5250	117	14	customer	customer	NOUN
easat-5250	117	15	satisfaction	satisfaction	NOUN
easat-5250	117	16	.	.	PUNCT
easat-5250	118	1	in	in	ADP
easat-5250	118	2	these	these	DET
easat-5250	118	3	studies	study	NOUN
easat-5250	118	4	,	,	PUNCT
easat-5250	118	5	system	system	NOUN
easat-5250	118	6	availability	availability	NOUN
easat-5250	118	7	was	be	AUX
easat-5250	118	8	noted	note	VERB
easat-5250	118	9	as	as	ADP
easat-5250	118	10	one	one	NUM
easat-5250	118	11	of	of	ADP
easat-5250	118	12	the	the	DET
easat-5250	118	13	lowest	low	ADJ
easat-5250	118	14	-	-	PUNCT
easat-5250	118	15	scoring	score	VERB
easat-5250	118	16	factors	factor	NOUN
easat-5250	118	17	in	in	ADP
easat-5250	118	18	influencing	influence	VERB
easat-5250	118	19	customer	customer	NOUN
easat-5250	118	20	satisfaction	satisfaction	NOUN
easat-5250	118	21	,	,	PUNCT
easat-5250	118	22	suggesting	suggest	VERB
easat-5250	118	23	that	that	SCONJ
easat-5250	118	24	this	this	DET
easat-5250	118	25	aspect	aspect	NOUN
easat-5250	118	26	may	may	AUX
easat-5250	118	27	not	not	PART
easat-5250	118	28	contribute	contribute	VERB
easat-5250	118	29	significantly	significantly	ADV
easat-5250	118	30	unless	unless	SCONJ
easat-5250	118	31	it	it	PRON
easat-5250	118	32	is	be	AUX
easat-5250	118	33	further	far	ADV
easat-5250	118	34	optimized	optimize	VERB
easat-5250	118	35	[	[	X
easat-5250	118	36	44	44	NUM
easat-5250	118	37	]	]	PUNCT
easat-5250	118	38	.	.	PUNCT
easat-5250	119	1	on	on	ADP
easat-5250	119	2	the	the	DET
easat-5250	119	3	other	other	ADJ
easat-5250	119	4	hand	hand	NOUN
easat-5250	119	5	,	,	PUNCT
easat-5250	119	6	other	other	ADJ
easat-5250	119	7	studies	study	NOUN
easat-5250	119	8	have	have	AUX
easat-5250	119	9	shown	show	VERB
easat-5250	119	10	that	that	SCONJ
easat-5250	119	11	system	system	NOUN
easat-5250	119	12	availability	availability	NOUN
easat-5250	119	13	has	have	VERB
easat-5250	119	14	a	a	DET
easat-5250	119	15	significant	significant	ADJ
easat-5250	119	16	positive	positive	ADJ
easat-5250	119	17	impact	impact	NOUN
easat-5250	119	18	on	on	ADP
easat-5250	119	19	customer	customer	NOUN
easat-5250	119	20	satisfaction	satisfaction	NOUN
easat-5250	119	21	[	[	X
easat-5250	119	22	27	27	NUM
easat-5250	119	23	,	,	PUNCT
easat-5250	119	24	43	43	NUM
easat-5250	119	25	]	]	PUNCT
easat-5250	119	26	.	.	PUNCT
easat-5250	120	1	generation	generation	NOUN
easat-5250	120	2	z	z	PROPN
easat-5250	120	3	,	,	PUNCT
easat-5250	120	4	who	who	PRON
easat-5250	120	5	are	be	AUX
easat-5250	120	6	known	know	VERB
easat-5250	120	7	to	to	PART
easat-5250	120	8	be	be	AUX
easat-5250	120	9	highly	highly	ADV
easat-5250	120	10	dependent	dependent	ADJ
easat-5250	120	11	on	on	ADP
easat-5250	120	12	technology	technology	NOUN
easat-5250	120	13	and	and	CCONJ
easat-5250	120	14	expect	expect	VERB
easat-5250	120	15	services	service	NOUN
easat-5250	120	16	to	to	PART
easat-5250	120	17	be	be	AUX
easat-5250	120	18	always	always	ADV
easat-5250	120	19	available	available	ADJ
easat-5250	120	20	,	,	PUNCT
easat-5250	120	21	system	system	NOUN
easat-5250	120	22	availability	availability	NOUN
easat-5250	120	23	can	can	AUX
easat-5250	120	24	be	be	AUX
easat-5250	120	25	an	an	DET
easat-5250	120	26	important	important	ADJ
easat-5250	120	27	factor	factor	NOUN
easat-5250	120	28	in	in	ADP
easat-5250	120	29	shaping	shape	VERB
easat-5250	120	30	their	their	PRON
easat-5250	120	31	perceptions	perception	NOUN
easat-5250	120	32	of	of	ADP
easat-5250	120	33	digital	digital	ADJ
easat-5250	120	34	banking	banking	NOUN
easat-5250	120	35	services	service	NOUN
easat-5250	120	36	.	.	PUNCT
easat-5250	121	1	based	base	VERB
easat-5250	121	2	on	on	ADP
easat-5250	121	3	the	the	DET
easat-5250	121	4	previously	previously	ADV
easat-5250	121	5	described	describe	VERB
easat-5250	121	6	literature	literature	NOUN
easat-5250	121	7	,	,	PUNCT
easat-5250	121	8	the	the	DET
easat-5250	121	9	following	follow	VERB
easat-5250	121	10	hypotheses	hypothesis	NOUN
easat-5250	121	11	are	be	AUX
easat-5250	121	12	proposed	propose	VERB
easat-5250	121	13	:	:	PUNCT
easat-5250	121	14	h3	h3	NOUN
easat-5250	121	15	:	:	PUNCT
easat-5250	121	16	system	system	NOUN
easat-5250	121	17	availability	availability	NOUN
easat-5250	121	18	of	of	ADP
easat-5250	121	19	digital	digital	PROPN
easat-5250	121	20	bank	bank	NOUN
easat-5250	121	21	services	service	NOUN
easat-5250	121	22	has	have	VERB
easat-5250	121	23	a	a	DET
easat-5250	121	24	significant	significant	ADJ
easat-5250	121	25	positive	positive	ADJ
easat-5250	121	26	effect	effect	NOUN
easat-5250	121	27	on	on	ADP
easat-5250	121	28	customer	customer	NOUN
easat-5250	121	29	satisfaction	satisfaction	NOUN
easat-5250	121	30	among	among	ADP
easat-5250	121	31	generation	generation	NOUN
easat-5250	121	32	z.	z.	PROPN
easat-5250	121	33	3.4	3.4	NUM
easat-5250	121	34	.	.	PUNCT
easat-5250	122	1	security	security	NOUN
easat-5250	122	2	digital	digital	ADJ
easat-5250	122	3	banking	banking	NOUN
easat-5250	122	4	systems	system	NOUN
easat-5250	122	5	face	face	VERB
easat-5250	122	6	significant	significant	ADJ
easat-5250	122	7	challenges	challenge	NOUN
easat-5250	122	8	related	relate	VERB
easat-5250	122	9	to	to	ADP
easat-5250	122	10	security	security	NOUN
easat-5250	122	11	.	.	PUNCT
easat-5250	123	1	the	the	DET
easat-5250	123	2	security	security	NOUN
easat-5250	123	3	component	component	NOUN
easat-5250	123	4	assesses	assess	VERB
easat-5250	123	5	the	the	DET
easat-5250	123	6	level	level	NOUN
easat-5250	123	7	of	of	ADP
easat-5250	123	8	protection	protection	NOUN
easat-5250	123	9	provided	provide	VERB
easat-5250	123	10	by	by	ADP
easat-5250	123	11	the	the	DET
easat-5250	123	12	bank	bank	NOUN
easat-5250	123	13	's	's	PART
easat-5250	123	14	digital	digital	ADJ
easat-5250	123	15	platform	platform	NOUN
easat-5250	123	16	to	to	ADP
easat-5250	123	17	consumers	consumer	NOUN
easat-5250	123	18	'	'	PART
easat-5250	123	19	personal	personal	ADJ
easat-5250	123	20	and	and	CCONJ
easat-5250	123	21	financial	financial	ADJ
easat-5250	123	22	information	information	NOUN
easat-5250	123	23	[	[	X
easat-5250	123	24	17	17	NUM
easat-5250	123	25	]	]	PUNCT
easat-5250	123	26	.	.	PUNCT
easat-5250	124	1	strong	strong	ADJ
easat-5250	124	2	protection	protection	NOUN
easat-5250	124	3	in	in	ADP
easat-5250	124	4	this	this	DET
easat-5250	124	5	regard	regard	NOUN
easat-5250	124	6	contributes	contribute	VERB
easat-5250	124	7	directly	directly	ADV
easat-5250	124	8	to	to	ADP
easat-5250	124	9	increased	increase	VERB
easat-5250	124	10	customer	customer	NOUN
easat-5250	124	11	satisfaction	satisfaction	NOUN
easat-5250	124	12	,	,	PUNCT
easat-5250	124	13	as	as	SCONJ
easat-5250	124	14	customers	customer	NOUN
easat-5250	124	15	feel	feel	VERB
easat-5250	124	16	safer	safe	ADJ
easat-5250	124	17	and	and	CCONJ
easat-5250	124	18	more	more	ADV
easat-5250	124	19	secure	secure	ADJ
easat-5250	124	20	in	in	ADP
easat-5250	124	21	using	use	VERB
easat-5250	124	22	digital	digital	ADJ
easat-5250	124	23	banking	banking	NOUN
easat-5250	124	24	services	service	NOUN
easat-5250	124	25	[	[	X
easat-5250	124	26	18	18	NUM
easat-5250	124	27	]	]	PUNCT
easat-5250	124	28	.	.	PUNCT
easat-5250	125	1	financial	financial	ADJ
easat-5250	125	2	institutions	institution	NOUN
easat-5250	125	3	must	must	AUX
easat-5250	125	4	foster	foster	VERB
easat-5250	125	5	user	user	NOUN
easat-5250	125	6	trust	trust	NOUN
easat-5250	125	7	by	by	ADP
easat-5250	125	8	ensuring	ensure	VERB
easat-5250	125	9	the	the	DET
easat-5250	125	10	reliability	reliability	NOUN
easat-5250	125	11	,	,	PUNCT
easat-5250	125	12	safety	safety	NOUN
easat-5250	125	13	,	,	PUNCT
easat-5250	125	14	security	security	NOUN
easat-5250	125	15	of	of	ADP
easat-5250	125	16	digital	digital	ADJ
easat-5250	125	17	banking	banking	NOUN
easat-5250	125	18	transactions	transaction	NOUN
easat-5250	125	19	.	.	PUNCT
easat-5250	126	1	the	the	DET
easat-5250	126	2	importance	importance	NOUN
easat-5250	126	3	of	of	ADP
easat-5250	126	4	security	security	NOUN
easat-5250	126	5	in	in	ADP
easat-5250	126	6	the	the	DET
easat-5250	126	7	acceptance	acceptance	NOUN
easat-5250	126	8	of	of	ADP
easat-5250	126	9	electronic	electronic	ADJ
easat-5250	126	10	payment	payment	NOUN
easat-5250	126	11	systems	system	NOUN
easat-5250	126	12	has	have	AUX
easat-5250	126	13	been	be	AUX
easat-5250	126	14	highlighted	highlight	VERB
easat-5250	126	15	by	by	ADP
easat-5250	126	16	various	various	ADJ
easat-5250	126	17	studies	study	NOUN
easat-5250	126	18	because	because	SCONJ
easat-5250	126	19	it	it	PRON
easat-5250	126	20	is	be	AUX
easat-5250	126	21	closely	closely	ADV
easat-5250	126	22	related	relate	VERB
easat-5250	126	23	to	to	ADP
easat-5250	126	24	decisions	decision	NOUN
easat-5250	126	25	and	and	CCONJ
easat-5250	126	26	satisfaction	satisfaction	NOUN
easat-5250	126	27	with	with	ADP
easat-5250	126	28	these	these	DET
easat-5250	126	29	services	service	NOUN
easat-5250	127	1	[	[	X
easat-5250	127	2	45	45	NUM
easat-5250	127	3	]	]	PUNCT
easat-5250	127	4	.	.	PUNCT
easat-5250	128	1	research	research	NOUN
easat-5250	128	2	shows	show	VERB
easat-5250	128	3	that	that	SCONJ
easat-5250	128	4	security	security	NOUN
easat-5250	128	5	has	have	VERB
easat-5250	128	6	a	a	DET
easat-5250	128	7	crucial	crucial	ADJ
easat-5250	128	8	influence	influence	NOUN
easat-5250	128	9	on	on	ADP
easat-5250	128	10	consumer	consumer	NOUN
easat-5250	128	11	satisfaction	satisfaction	NOUN
easat-5250	128	12	[	[	X
easat-5250	128	13	46	46	NUM
easat-5250	128	14	,	,	PUNCT
easat-5250	128	15	47	47	NUM
easat-5250	128	16	]	]	PUNCT
easat-5250	128	17	.	.	PUNCT
easat-5250	129	1	however	however	ADV
easat-5250	129	2	,	,	PUNCT
easat-5250	129	3	a	a	DET
easat-5250	129	4	study	study	NOUN
easat-5250	129	5	conducted	conduct	VERB
easat-5250	129	6	by	by	ADP
easat-5250	129	7	[	[	PUNCT
easat-5250	129	8	48	48	NUM
easat-5250	129	9	]	]	PUNCT
easat-5250	129	10	revealed	reveal	VERB
easat-5250	129	11	that	that	SCONJ
easat-5250	129	12	gen	gen	PROPN
easat-5250	129	13	z	z	NOUN
easat-5250	129	14	customers	customer	NOUN
easat-5250	129	15	usually	usually	ADV
easat-5250	129	16	do	do	AUX
easat-5250	129	17	not	not	PART
easat-5250	129	18	consider	consider	VERB
easat-5250	129	19	security	security	NOUN
easat-5250	129	20	as	as	ADP
easat-5250	129	21	a	a	DET
easat-5250	129	22	significant	significant	ADJ
easat-5250	129	23	concern	concern	NOUN
easat-5250	129	24	as	as	SCONJ
easat-5250	129	25	they	they	PRON
easat-5250	129	26	believe	believe	VERB
easat-5250	129	27	in	in	ADP
easat-5250	129	28	the	the	DET
easat-5250	129	29	sophisticated	sophisticated	ADJ
easat-5250	129	30	and	and	CCONJ
easat-5250	129	31	reliable	reliable	ADJ
easat-5250	129	32	security	security	NOUN
easat-5250	129	33	protocols	protocol	NOUN
easat-5250	129	34	of	of	ADP
easat-5250	129	35	digital	digital	ADJ
easat-5250	129	36	banking	banking	NOUN
easat-5250	129	37	services	service	NOUN
easat-5250	129	38	.	.	PUNCT
easat-5250	130	1	this	this	DET
easat-5250	130	2	generation	generation	NOUN
easat-5250	130	3	's	's	PART
easat-5250	130	4	trust	trust	NOUN
easat-5250	130	5	in	in	ADP
easat-5250	130	6	technological	technological	ADJ
easat-5250	130	7	advancements	advancement	NOUN
easat-5250	130	8	increases	increase	VERB
easat-5250	130	9	their	their	PRON
easat-5250	130	10	overall	overall	ADJ
easat-5250	130	11	satisfaction	satisfaction	NOUN
easat-5250	130	12	.	.	PUNCT
easat-5250	131	1	this	this	DET
easat-5250	131	2	finding	finding	NOUN
easat-5250	131	3	emphasizes	emphasize	VERB
easat-5250	131	4	the	the	DET
easat-5250	131	5	importance	importance	NOUN
easat-5250	131	6	for	for	SCONJ
easat-5250	131	7	digital	digital	ADJ
easat-5250	131	8	banks	bank	NOUN
easat-5250	131	9	to	to	PART
easat-5250	131	10	prioritize	prioritize	VERB
easat-5250	131	11	security	security	NOUN
easat-5250	131	12	measures	measure	NOUN
easat-5250	131	13	to	to	PART
easat-5250	131	14	foster	foster	VERB
easat-5250	131	15	customer	customer	NOUN
easat-5250	131	16	trust	trust	NOUN
easat-5250	131	17	and	and	CCONJ
easat-5250	131	18	satisfaction	satisfaction	NOUN
easat-5250	131	19	.	.	PUNCT
easat-5250	132	1	based	base	VERB
easat-5250	132	2	on	on	ADP
easat-5250	132	3	the	the	DET
easat-5250	132	4	previously	previously	ADV
easat-5250	132	5	described	describe	VERB
easat-5250	132	6	literature	literature	NOUN
easat-5250	132	7	,	,	PUNCT
easat-5250	132	8	the	the	DET
easat-5250	132	9	following	follow	VERB
easat-5250	132	10	hypotheses	hypothesis	NOUN
easat-5250	132	11	are	be	AUX
easat-5250	132	12	proposed	propose	VERB
easat-5250	132	13	:	:	PUNCT
easat-5250	132	14	h4	h4	NOUN
easat-5250	132	15	:	:	PUNCT
easat-5250	132	16	security	security	NOUN
easat-5250	132	17	of	of	ADP
easat-5250	132	18	digital	digital	PROPN
easat-5250	132	19	bank	bank	NOUN
easat-5250	132	20	services	service	NOUN
easat-5250	132	21	has	have	VERB
easat-5250	132	22	a	a	DET
easat-5250	132	23	significant	significant	ADJ
easat-5250	132	24	positive	positive	ADJ
easat-5250	132	25	effect	effect	NOUN
easat-5250	132	26	on	on	ADP
easat-5250	132	27	customer	customer	NOUN
easat-5250	132	28	satisfaction	satisfaction	NOUN
easat-5250	132	29	among	among	ADP
easat-5250	132	30	generation	generation	NOUN
easat-5250	132	31	z.	z.	PROPN
easat-5250	132	32	3.5	3.5	NUM
easat-5250	132	33	.	.	PUNCT
easat-5250	133	1	trust	trust	NOUN
easat-5250	133	2	three	three	NUM
easat-5250	133	3	levels	level	NOUN
easat-5250	133	4	of	of	ADP
easat-5250	133	5	trust	trust	NOUN
easat-5250	133	6	in	in	ADP
easat-5250	133	7	digital	digital	ADJ
easat-5250	133	8	banking	banking	NOUN
easat-5250	133	9	,	,	PUNCT
easat-5250	133	10	namely	namely	ADV
easat-5250	133	11	“	"	PUNCT
easat-5250	133	12	trust	trust	NOUN
easat-5250	133	13	in	in	ADP
easat-5250	133	14	the	the	DET
easat-5250	133	15	bank	bank	NOUN
easat-5250	133	16	”	"	PUNCT
easat-5250	133	17	,	,	PUNCT
easat-5250	133	18	“	"	PUNCT
easat-5250	133	19	trust	trust	NOUN
easat-5250	133	20	in	in	ADP
easat-5250	133	21	the	the	DET
easat-5250	133	22	internet	internet	NOUN
easat-5250	133	23	”	"	PUNCT
easat-5250	133	24	,	,	PUNCT
easat-5250	133	25	and	and	CCONJ
easat-5250	133	26	“	"	PUNCT
easat-5250	133	27	trust	trust	NOUN
easat-5250	133	28	in	in	ADP
easat-5250	133	29	internet	internet	NOUN
easat-5250	133	30	banking	banking	NOUN
easat-5250	133	31	information	information	NOUN
easat-5250	133	32	”	"	PUNCT
easat-5250	134	1	[	[	X
easat-5250	134	2	6	6	NUM
easat-5250	134	3	]	]	PUNCT
easat-5250	134	4	.	.	PUNCT
easat-5250	135	1	these	these	DET
easat-5250	135	2	three	three	NUM
easat-5250	135	3	levels	level	NOUN
easat-5250	135	4	play	play	VERB
easat-5250	135	5	a	a	DET
easat-5250	135	6	significant	significant	ADJ
easat-5250	135	7	role	role	NOUN
easat-5250	135	8	in	in	ADP
easat-5250	135	9	shaping	shape	VERB
easat-5250	135	10	generation	generation	NOUN
easat-5250	135	11	z	z	PROPN
easat-5250	135	12	's	's	PART
easat-5250	135	13	perception	perception	NOUN
easat-5250	135	14	of	of	ADP
easat-5250	135	15	digital	digital	PROPN
easat-5250	135	16	bank	bank	PROPN
easat-5250	135	17	services	service	NOUN
easat-5250	135	18	,	,	PUNCT
easat-5250	135	19	which	which	PRON
easat-5250	135	20	has	have	VERB
easat-5250	135	21	a	a	DET
easat-5250	135	22	direct	direct	ADJ
easat-5250	135	23	impact	impact	NOUN
easat-5250	135	24	on	on	ADP
easat-5250	135	25	customer	customer	NOUN
easat-5250	135	26	satisfaction	satisfaction	NOUN
easat-5250	135	27	.	.	PUNCT
easat-5250	136	1	trust	trust	NOUN
easat-5250	136	2	is	be	AUX
easat-5250	136	3	a	a	DET
easat-5250	136	4	crucial	crucial	ADJ
easat-5250	136	5	factor	factor	NOUN
easat-5250	136	6	in	in	ADP
easat-5250	136	7	digital	digital	ADJ
easat-5250	136	8	interactions	interaction	NOUN
easat-5250	136	9	,	,	PUNCT
easat-5250	136	10	given	give	VERB
easat-5250	136	11	the	the	DET
easat-5250	136	12	inherent	inherent	ADJ
easat-5250	136	13	risks	risk	NOUN
easat-5250	136	14	attached	attach	VERB
easat-5250	136	15	to	to	ADP
easat-5250	136	16	digital	digital	ADJ
easat-5250	136	17	platforms	platform	NOUN
easat-5250	136	18	494	494	NUM
easat-5250	136	19	edelweiss	edelweiss	PROPN
easat-5250	136	20	applied	apply	VERB
easat-5250	136	21	science	science	NOUN
easat-5250	136	22	and	and	CCONJ
easat-5250	136	23	technology	technology	NOUN
easat-5250	136	24	issn	issn	PROPN
easat-5250	136	25	:	:	PUNCT
easat-5250	136	26	2576	2576	NUM
easat-5250	136	27	-	-	SYM
easat-5250	136	28	8484	8484	NUM
easat-5250	136	29	vol	vol	NOUN
easat-5250	136	30	.	.	PROPN
easat-5250	137	1	9	9	NUM
easat-5250	137	2	,	,	PUNCT
easat-5250	137	3	no	no	INTJ
easat-5250	137	4	.	.	NOUN
easat-5250	138	1	3	3	NUM
easat-5250	138	2	:	:	PUNCT
easat-5250	138	3	489	489	NUM
easat-5250	138	4	-	-	SYM
easat-5250	138	5	510	510	NUM
easat-5250	138	6	,	,	PUNCT
easat-5250	138	7	2025	2025	NUM
easat-5250	138	8	doi	doi	NOUN
easat-5250	138	9	:	:	PUNCT
easat-5250	138	10	10.55214/25768484.v9i3.5250	10.55214/25768484.v9i3.5250	NUM
easat-5250	138	11	©	©	PROPN
easat-5250	138	12	2025	2025	NUM
easat-5250	138	13	by	by	ADP
easat-5250	138	14	the	the	DET
easat-5250	138	15	authors	author	NOUN
easat-5250	138	16	;	;	PUNCT
easat-5250	138	17	licensee	licensee	PROPN
easat-5250	138	18	learning	learning	NOUN
easat-5250	138	19	gate	gate	NOUN
easat-5250	139	1	[	[	X
easat-5250	139	2	49	49	NUM
easat-5250	139	3	]	]	PUNCT
easat-5250	139	4	.	.	PUNCT
easat-5250	140	1	various	various	ADJ
easat-5250	140	2	studies	study	NOUN
easat-5250	140	3	show	show	VERB
easat-5250	140	4	that	that	SCONJ
easat-5250	140	5	trust	trust	NOUN
easat-5250	140	6	has	have	VERB
easat-5250	140	7	a	a	DET
easat-5250	140	8	positive	positive	ADJ
easat-5250	140	9	effect	effect	NOUN
easat-5250	140	10	on	on	ADP
easat-5250	140	11	customer	customer	NOUN
easat-5250	140	12	satisfaction	satisfaction	NOUN
easat-5250	140	13	levels	level	NOUN
easat-5250	140	14	[	[	X
easat-5250	140	15	50	50	NUM
easat-5250	140	16	-	-	SYM
easat-5250	140	17	53	53	NUM
easat-5250	140	18	]	]	PUNCT
easat-5250	140	19	.	.	PUNCT
easat-5250	141	1	based	base	VERB
easat-5250	141	2	on	on	ADP
easat-5250	141	3	the	the	DET
easat-5250	141	4	previously	previously	ADV
easat-5250	141	5	described	describe	VERB
easat-5250	141	6	literature	literature	NOUN
easat-5250	141	7	,	,	PUNCT
easat-5250	141	8	the	the	DET
easat-5250	141	9	following	follow	VERB
easat-5250	141	10	hypothesis	hypothesis	NOUN
easat-5250	141	11	is	be	AUX
easat-5250	141	12	proposed	propose	VERB
easat-5250	141	13	:	:	PUNCT
easat-5250	141	14	h5	h5	PROPN
easat-5250	141	15	:	:	PUNCT
easat-5250	141	16	digital	digital	PROPN
easat-5250	141	17	bank	bank	PROPN
easat-5250	141	18	service	service	PROPN
easat-5250	141	19	trust	trust	NOUN
easat-5250	141	20	has	have	VERB
easat-5250	141	21	a	a	DET
easat-5250	141	22	significant	significant	ADJ
easat-5250	141	23	positive	positive	ADJ
easat-5250	141	24	effect	effect	NOUN
easat-5250	141	25	on	on	ADP
easat-5250	141	26	customer	customer	NOUN
easat-5250	141	27	satisfaction	satisfaction	NOUN
easat-5250	141	28	among	among	ADP
easat-5250	141	29	generation	generation	NOUN
easat-5250	141	30	z.	z.	PROPN
easat-5250	141	31	3.6	3.6	NUM
easat-5250	141	32	.	.	PUNCT
easat-5250	142	1	convenience	convenience	NOUN
easat-5250	142	2	by	by	ADP
easat-5250	142	3	offering	offer	VERB
easat-5250	142	4	quick	quick	ADJ
easat-5250	142	5	,	,	PUNCT
easat-5250	142	6	adaptable	adaptable	ADJ
easat-5250	142	7	,	,	PUNCT
easat-5250	142	8	and	and	CCONJ
easat-5250	142	9	simple	simple	ADJ
easat-5250	142	10	transaction	transaction	NOUN
easat-5250	142	11	solutions	solution	NOUN
easat-5250	142	12	,	,	PUNCT
easat-5250	142	13	digital	digital	ADJ
easat-5250	142	14	banking	banking	NOUN
easat-5250	142	15	services	service	NOUN
easat-5250	142	16	'	'	PART
easat-5250	142	17	convenience	convenience	NOUN
easat-5250	142	18	contributes	contribute	VERB
easat-5250	142	19	significantly	significantly	ADV
easat-5250	142	20	to	to	ADP
easat-5250	142	21	enhancing	enhance	VERB
easat-5250	142	22	the	the	DET
easat-5250	142	23	customer	customer	NOUN
easat-5250	142	24	experience	experience	NOUN
easat-5250	142	25	[	[	X
easat-5250	142	26	39	39	NUM
easat-5250	142	27	]	]	PUNCT
easat-5250	142	28	.	.	PUNCT
easat-5250	143	1	digital	digital	ADJ
easat-5250	143	2	banking	banking	NOUN
easat-5250	143	3	removes	remove	VERB
easat-5250	143	4	the	the	DET
easat-5250	143	5	requirement	requirement	NOUN
easat-5250	143	6	for	for	ADP
easat-5250	143	7	in	in	ADP
easat-5250	143	8	-	-	PUNCT
easat-5250	143	9	person	person	NOUN
easat-5250	143	10	branch	branch	NOUN
easat-5250	143	11	visits	visit	NOUN
easat-5250	143	12	by	by	ADP
easat-5250	143	13	enabling	enable	VERB
easat-5250	143	14	consumers	consumer	NOUN
easat-5250	143	15	to	to	PART
easat-5250	143	16	perform	perform	VERB
easat-5250	143	17	a	a	DET
easat-5250	143	18	variety	variety	NOUN
easat-5250	143	19	of	of	ADP
easat-5250	143	20	financial	financial	ADJ
easat-5250	143	21	activities	activity	NOUN
easat-5250	143	22	at	at	ADP
easat-5250	143	23	any	any	DET
easat-5250	143	24	time	time	NOUN
easat-5250	143	25	and	and	CCONJ
easat-5250	143	26	from	from	ADP
easat-5250	143	27	any	any	DET
easat-5250	143	28	location	location	NOUN
easat-5250	143	29	[	[	X
easat-5250	143	30	2	2	NUM
easat-5250	143	31	]	]	PUNCT
easat-5250	143	32	.	.	PUNCT
easat-5250	144	1	without	without	ADP
easat-5250	144	2	having	have	VERB
easat-5250	144	3	to	to	PART
easat-5250	144	4	wait	wait	VERB
easat-5250	144	5	in	in	ADP
easat-5250	144	6	line	line	NOUN
easat-5250	144	7	at	at	ADP
easat-5250	144	8	the	the	DET
easat-5250	144	9	bank	bank	NOUN
easat-5250	144	10	,	,	PUNCT
easat-5250	144	11	this	this	DET
easat-5250	144	12	flexibility	flexibility	NOUN
easat-5250	144	13	enables	enable	VERB
easat-5250	144	14	customers	customer	NOUN
easat-5250	144	15	to	to	PART
easat-5250	144	16	autonomously	autonomously	ADV
easat-5250	144	17	handle	handle	VERB
easat-5250	144	18	their	their	PRON
easat-5250	144	19	financial	financial	ADJ
easat-5250	144	20	needs	need	NOUN
easat-5250	144	21	,	,	PUNCT
easat-5250	144	22	such	such	ADJ
easat-5250	144	23	as	as	ADP
easat-5250	144	24	paying	pay	VERB
easat-5250	144	25	payments	payment	NOUN
easat-5250	144	26	or	or	CCONJ
easat-5250	144	27	investigating	investigate	VERB
easat-5250	144	28	better	well	ADJ
easat-5250	144	29	financial	financial	ADJ
easat-5250	144	30	options	option	NOUN
easat-5250	144	31	.	.	PUNCT
easat-5250	145	1	in	in	ADP
easat-5250	145	2	addition	addition	NOUN
easat-5250	145	3	to	to	ADP
easat-5250	145	4	satisfying	satisfy	VERB
easat-5250	145	5	customer	customer	NOUN
easat-5250	145	6	expectations	expectation	NOUN
easat-5250	145	7	,	,	PUNCT
easat-5250	145	8	the	the	DET
easat-5250	145	9	convenience	convenience	NOUN
easat-5250	145	10	raised	raise	VERB
easat-5250	145	11	the	the	DET
easat-5250	145	12	perceived	perceive	VERB
easat-5250	145	13	value	value	NOUN
easat-5250	145	14	of	of	ADP
easat-5250	145	15	the	the	DET
easat-5250	145	16	services	service	NOUN
easat-5250	145	17	[	[	X
easat-5250	145	18	24	24	NUM
easat-5250	145	19	]	]	PUNCT
easat-5250	145	20	.	.	PUNCT
easat-5250	146	1	according	accord	VERB
easat-5250	146	2	to	to	ADP
easat-5250	146	3	merhi	merhi	PROPN
easat-5250	146	4	,	,	PUNCT
easat-5250	146	5	et	et	PROPN
easat-5250	146	6	al	al	PROPN
easat-5250	146	7	.	.	PUNCT
easat-5250	147	1	[	[	X
easat-5250	147	2	49	49	NUM
easat-5250	147	3	]	]	PUNCT
easat-5250	147	4	this	this	PRON
easat-5250	147	5	is	be	AUX
easat-5250	147	6	especially	especially	ADV
easat-5250	147	7	relevant	relevant	ADJ
easat-5250	147	8	for	for	ADP
easat-5250	147	9	generation	generation	NOUN
easat-5250	147	10	z	z	PROPN
easat-5250	147	11	,	,	PUNCT
easat-5250	147	12	who	who	PRON
easat-5250	147	13	are	be	AUX
easat-5250	147	14	tech	tech	NOUN
easat-5250	147	15	-	-	PUNCT
easat-5250	147	16	savvy	savvy	ADJ
easat-5250	147	17	and	and	CCONJ
easat-5250	147	18	have	have	VERB
easat-5250	147	19	high	high	ADJ
easat-5250	147	20	standards	standard	NOUN
easat-5250	147	21	for	for	ADP
easat-5250	147	22	usability	usability	NOUN
easat-5250	147	23	.	.	PUNCT
easat-5250	148	1	digital	digital	PROPN
easat-5250	148	2	bank	bank	PROPN
easat-5250	148	3	users	user	NOUN
easat-5250	148	4	enjoy	enjoy	VERB
easat-5250	148	5	time	time	NOUN
easat-5250	148	6	and	and	CCONJ
easat-5250	148	7	cost	cost	VERB
easat-5250	148	8	savings	saving	NOUN
easat-5250	148	9	and	and	CCONJ
easat-5250	148	10	easy	easy	ADJ
easat-5250	148	11	access	access	NOUN
easat-5250	148	12	,	,	PUNCT
easat-5250	148	13	all	all	PRON
easat-5250	148	14	of	of	ADP
easat-5250	148	15	which	which	PRON
easat-5250	148	16	contribute	contribute	VERB
easat-5250	148	17	to	to	ADP
easat-5250	148	18	their	their	PRON
easat-5250	148	19	satisfaction	satisfaction	NOUN
easat-5250	148	20	[	[	X
easat-5250	148	21	45	45	NUM
easat-5250	148	22	]	]	PUNCT
easat-5250	148	23	.	.	PUNCT
easat-5250	149	1	based	base	VERB
easat-5250	149	2	on	on	ADP
easat-5250	149	3	the	the	DET
easat-5250	149	4	previously	previously	ADV
easat-5250	149	5	described	describe	VERB
easat-5250	149	6	literature	literature	NOUN
easat-5250	149	7	,	,	PUNCT
easat-5250	149	8	the	the	DET
easat-5250	149	9	following	follow	VERB
easat-5250	149	10	hypothesis	hypothesis	NOUN
easat-5250	149	11	is	be	AUX
easat-5250	149	12	proposed	propose	VERB
easat-5250	149	13	:	:	PUNCT
easat-5250	149	14	h6	h6	NOUN
easat-5250	149	15	:	:	PUNCT
easat-5250	149	16	convenience	convenience	NOUN
easat-5250	149	17	of	of	ADP
easat-5250	149	18	digital	digital	PROPN
easat-5250	149	19	bank	bank	NOUN
easat-5250	149	20	services	service	NOUN
easat-5250	149	21	has	have	VERB
easat-5250	149	22	a	a	DET
easat-5250	149	23	significant	significant	ADJ
easat-5250	149	24	positive	positive	ADJ
easat-5250	149	25	effect	effect	NOUN
easat-5250	149	26	on	on	ADP
easat-5250	149	27	customer	customer	NOUN
easat-5250	149	28	satisfaction	satisfaction	NOUN
easat-5250	149	29	among	among	ADP
easat-5250	149	30	generation	generation	NOUN
easat-5250	149	31	z.	z.	PROPN
easat-5250	149	32	3.7	3.7	NUM
easat-5250	149	33	.	.	PUNCT
easat-5250	150	1	promotion	promotion	NOUN
easat-5250	150	2	policies	policy	NOUN
easat-5250	150	3	promotional	promotional	ADJ
easat-5250	150	4	policies	policy	NOUN
easat-5250	150	5	encompass	encompass	VERB
easat-5250	150	6	a	a	DET
easat-5250	150	7	range	range	NOUN
easat-5250	150	8	of	of	ADP
easat-5250	150	9	incentives	incentive	NOUN
easat-5250	150	10	,	,	PUNCT
easat-5250	150	11	including	include	VERB
easat-5250	150	12	rebates	rebate	NOUN
easat-5250	150	13	,	,	PUNCT
easat-5250	150	14	gifts	gift	NOUN
easat-5250	150	15	,	,	PUNCT
easat-5250	150	16	vouchers	voucher	NOUN
easat-5250	150	17	,	,	PUNCT
easat-5250	150	18	extra	extra	ADJ
easat-5250	150	19	loyalty	loyalty	NOUN
easat-5250	150	20	points	point	NOUN
easat-5250	150	21	from	from	ADP
easat-5250	150	22	partner	partner	NOUN
easat-5250	150	23	merchants	merchant	NOUN
easat-5250	150	24	,	,	PUNCT
easat-5250	150	25	and	and	CCONJ
easat-5250	150	26	discounts	discount	NOUN
easat-5250	150	27	on	on	ADP
easat-5250	150	28	merchant	merchant	NOUN
easat-5250	150	29	products	product	NOUN
easat-5250	150	30	bought	buy	VERB
easat-5250	150	31	through	through	ADP
easat-5250	150	32	digital	digital	ADJ
easat-5250	150	33	banking	banking	NOUN
easat-5250	150	34	services	service	NOUN
easat-5250	150	35	.	.	PUNCT
easat-5250	151	1	young	young	ADJ
easat-5250	151	2	consumers	consumer	NOUN
easat-5250	151	3	,	,	PUNCT
easat-5250	151	4	who	who	PRON
easat-5250	151	5	frequently	frequently	ADV
easat-5250	151	6	favor	favor	VERB
easat-5250	151	7	monetary	monetary	ADJ
easat-5250	151	8	incentives	incentive	NOUN
easat-5250	151	9	,	,	PUNCT
easat-5250	151	10	have	have	AUX
easat-5250	151	11	shown	show	VERB
easat-5250	151	12	a	a	DET
easat-5250	151	13	strong	strong	ADJ
easat-5250	151	14	preference	preference	NOUN
easat-5250	151	15	for	for	ADP
easat-5250	151	16	these	these	DET
easat-5250	151	17	promotional	promotional	ADJ
easat-5250	151	18	approaches	approach	NOUN
easat-5250	151	19	[	[	X
easat-5250	151	20	2	2	NUM
easat-5250	151	21	]	]	PUNCT
easat-5250	151	22	.	.	PUNCT
easat-5250	152	1	promotion	promotion	NOUN
easat-5250	152	2	is	be	AUX
easat-5250	152	3	the	the	DET
easat-5250	152	4	value	value	NOUN
easat-5250	152	5	that	that	PRON
easat-5250	152	6	is	be	AUX
easat-5250	152	7	included	include	VERB
easat-5250	152	8	in	in	ADP
easat-5250	152	9	every	every	DET
easat-5250	152	10	discount	discount	NOUN
easat-5250	152	11	or	or	CCONJ
easat-5250	152	12	offer	offer	VERB
easat-5250	152	13	that	that	SCONJ
easat-5250	152	14	a	a	DET
easat-5250	152	15	digital	digital	ADJ
easat-5250	152	16	bank	bank	NOUN
easat-5250	152	17	makes	make	VERB
easat-5250	152	18	;	;	PUNCT
easat-5250	152	19	it	it	PRON
easat-5250	152	20	is	be	AUX
easat-5250	152	21	organized	organize	VERB
easat-5250	152	22	using	use	VERB
easat-5250	152	23	dynamic	dynamic	ADJ
easat-5250	152	24	promotional	promotional	ADJ
easat-5250	152	25	messaging	messaging	NOUN
easat-5250	152	26	to	to	PART
easat-5250	152	27	make	make	VERB
easat-5250	152	28	it	it	PRON
easat-5250	152	29	more	more	ADV
easat-5250	152	30	appealing	appealing	ADJ
easat-5250	152	31	to	to	ADP
easat-5250	152	32	customers	customer	NOUN
easat-5250	152	33	.	.	PUNCT
easat-5250	153	1	furthermore	furthermore	ADV
easat-5250	153	2	,	,	PUNCT
easat-5250	153	3	according	accord	VERB
easat-5250	153	4	to	to	ADP
easat-5250	153	5	windasari	windasari	X
easat-5250	153	6	,	,	PUNCT
easat-5250	153	7	et	et	PROPN
easat-5250	153	8	al	al	PROPN
easat-5250	153	9	.	.	PUNCT
easat-5250	154	1	[	[	X
easat-5250	154	2	2	2	X
easat-5250	154	3	]	]	X
easat-5250	154	4	digital	digital	ADJ
easat-5250	154	5	banks	bank	NOUN
easat-5250	154	6	convey	convey	VERB
easat-5250	154	7	the	the	DET
easat-5250	154	8	value	value	NOUN
easat-5250	154	9	of	of	ADP
easat-5250	154	10	discounts	discount	NOUN
easat-5250	154	11	or	or	CCONJ
easat-5250	154	12	promotions	promotion	NOUN
easat-5250	154	13	through	through	ADP
easat-5250	154	14	real	real	ADJ
easat-5250	154	15	-	-	PUNCT
easat-5250	154	16	time	time	NOUN
easat-5250	154	17	generated	generate	VERB
easat-5250	154	18	advertising	advertising	NOUN
easat-5250	154	19	messages	message	NOUN
easat-5250	154	20	.	.	PUNCT
easat-5250	155	1	in	in	ADP
easat-5250	155	2	addition	addition	NOUN
easat-5250	155	3	,	,	PUNCT
easat-5250	155	4	a	a	DET
easat-5250	155	5	study	study	NOUN
easat-5250	155	6	by	by	ADP
easat-5250	155	7	le	le	PROPN
easat-5250	155	8	,	,	PUNCT
easat-5250	155	9	et	et	PROPN
easat-5250	155	10	al	al	PROPN
easat-5250	155	11	.	.	PUNCT
easat-5250	156	1	[	[	X
easat-5250	156	2	28	28	NUM
easat-5250	156	3	]	]	PUNCT
easat-5250	156	4	showed	show	VERB
easat-5250	156	5	that	that	SCONJ
easat-5250	156	6	customer	customer	NOUN
easat-5250	156	7	satisfaction	satisfaction	NOUN
easat-5250	156	8	with	with	ADP
easat-5250	156	9	digital	digital	ADJ
easat-5250	156	10	banking	banking	NOUN
easat-5250	156	11	services	service	NOUN
easat-5250	156	12	,	,	PUNCT
easat-5250	156	13	including	include	VERB
easat-5250	156	14	promotions	promotion	NOUN
easat-5250	156	15	and	and	CCONJ
easat-5250	156	16	rewards	reward	NOUN
easat-5250	156	17	,	,	PUNCT
easat-5250	156	18	had	have	VERB
easat-5250	156	19	a	a	DET
easat-5250	156	20	positive	positive	ADJ
easat-5250	156	21	impact	impact	NOUN
easat-5250	156	22	on	on	ADP
easat-5250	156	23	financial	financial	ADJ
easat-5250	156	24	performance	performance	NOUN
easat-5250	156	25	,	,	PUNCT
easat-5250	156	26	especially	especially	ADV
easat-5250	156	27	before	before	ADP
easat-5250	156	28	the	the	DET
easat-5250	156	29	covid-19	covid-19	PROPN
easat-5250	156	30	pandemic	pandemic	NOUN
easat-5250	156	31	,	,	PUNCT
easat-5250	156	32	by	by	ADP
easat-5250	156	33	creating	create	VERB
easat-5250	156	34	higher	high	ADJ
easat-5250	156	35	customer	customer	NOUN
easat-5250	156	36	satisfaction	satisfaction	NOUN
easat-5250	156	37	.	.	PUNCT
easat-5250	157	1	generation	generation	NOUN
easat-5250	157	2	z	z	NOUN
easat-5250	157	3	,	,	PUNCT
easat-5250	157	4	in	in	ADP
easat-5250	157	5	particular	particular	ADJ
easat-5250	157	6	,	,	PUNCT
easat-5250	157	7	is	be	AUX
easat-5250	157	8	highly	highly	ADV
easat-5250	157	9	responsive	responsive	ADJ
easat-5250	157	10	to	to	ADP
easat-5250	157	11	financial	financial	ADJ
easat-5250	157	12	incentives	incentive	NOUN
easat-5250	157	13	such	such	ADJ
easat-5250	157	14	as	as	ADP
easat-5250	157	15	discounts	discount	NOUN
easat-5250	157	16	,	,	PUNCT
easat-5250	157	17	cashbacks	cashback	NOUN
easat-5250	157	18	and	and	CCONJ
easat-5250	157	19	rewards	reward	NOUN
easat-5250	157	20	.	.	PUNCT
easat-5250	158	1	younger	young	ADJ
easat-5250	158	2	customers	customer	NOUN
easat-5250	158	3	typically	typically	ADV
easat-5250	158	4	favor	favor	VERB
easat-5250	158	5	short	short	ADJ
easat-5250	158	6	-	-	PUNCT
easat-5250	158	7	term	term	NOUN
easat-5250	158	8	incentives	incentive	NOUN
easat-5250	158	9	that	that	PRON
easat-5250	158	10	provide	provide	VERB
easat-5250	158	11	quick	quick	ADJ
easat-5250	158	12	financial	financial	ADJ
easat-5250	158	13	benefits	benefit	NOUN
easat-5250	158	14	[	[	X
easat-5250	158	15	54	54	NUM
easat-5250	158	16	]	]	PUNCT
easat-5250	158	17	.	.	PUNCT
easat-5250	159	1	based	base	VERB
easat-5250	159	2	on	on	ADP
easat-5250	159	3	the	the	DET
easat-5250	159	4	previously	previously	ADV
easat-5250	159	5	described	describe	VERB
easat-5250	159	6	literature	literature	NOUN
easat-5250	159	7	,	,	PUNCT
easat-5250	159	8	the	the	DET
easat-5250	159	9	following	follow	VERB
easat-5250	159	10	hypotheses	hypothesis	NOUN
easat-5250	159	11	are	be	AUX
easat-5250	159	12	proposed	propose	VERB
easat-5250	159	13	:	:	PUNCT
easat-5250	159	14	h7	h7	PROPN
easat-5250	159	15	:	:	PUNCT
easat-5250	159	16	perceived	perceive	VERB
easat-5250	159	17	promotion	promotion	NOUN
easat-5250	159	18	policies	policy	NOUN
easat-5250	159	19	of	of	ADP
easat-5250	159	20	digital	digital	PROPN
easat-5250	159	21	bank	bank	NOUN
easat-5250	159	22	services	service	NOUN
easat-5250	159	23	have	have	VERB
easat-5250	159	24	a	a	DET
easat-5250	159	25	significant	significant	ADJ
easat-5250	159	26	positive	positive	ADJ
easat-5250	159	27	effect	effect	NOUN
easat-5250	159	28	on	on	ADP
easat-5250	159	29	customer	customer	NOUN
easat-5250	159	30	satisfaction	satisfaction	NOUN
easat-5250	159	31	among	among	ADP
easat-5250	159	32	generation	generation	NOUN
easat-5250	159	33	z.	z.	PROPN
easat-5250	159	34	4	4	NUM
easat-5250	159	35	.	.	PUNCT
easat-5250	159	36	research	research	NOUN
easat-5250	159	37	methodology	methodology	NOUN
easat-5250	159	38	4.1	4.1	NUM
easat-5250	159	39	.	.	PUNCT
easat-5250	160	1	measurement	measurement	VERB
easat-5250	160	2	the	the	DET
easat-5250	160	3	modified	modified	ADJ
easat-5250	160	4	e	e	PROPN
easat-5250	160	5	-	-	ADJ
easat-5250	160	6	s	s	ADP
easat-5250	160	7	-	-	PUNCT
easat-5250	160	8	qual	qual	ADJ
easat-5250	160	9	measurement	measurement	NOUN
easat-5250	160	10	scale	scale	NOUN
easat-5250	160	11	was	be	AUX
easat-5250	160	12	employed	employ	VERB
easat-5250	160	13	in	in	ADP
easat-5250	160	14	this	this	DET
easat-5250	160	15	study	study	NOUN
easat-5250	160	16	's	's	PART
easat-5250	160	17	quantitative	quantitative	ADJ
easat-5250	160	18	survey	survey	NOUN
easat-5250	160	19	.	.	PUNCT
easat-5250	161	1	to	to	PART
easat-5250	161	2	build	build	VERB
easat-5250	161	3	the	the	DET
easat-5250	161	4	conceptual	conceptual	ADJ
easat-5250	161	5	framework	framework	NOUN
easat-5250	161	6	of	of	ADP
easat-5250	161	7	this	this	DET
easat-5250	161	8	study	study	NOUN
easat-5250	161	9	,	,	PUNCT
easat-5250	161	10	the	the	DET
easat-5250	161	11	measuring	measure	VERB
easat-5250	161	12	items	item	NOUN
easat-5250	161	13	for	for	ADP
easat-5250	161	14	each	each	DET
easat-5250	161	15	construct	construct	NOUN
easat-5250	161	16	,	,	PUNCT
easat-5250	161	17	as	as	SCONJ
easat-5250	161	18	indicated	indicate	VERB
easat-5250	161	19	in	in	ADP
easat-5250	161	20	table	table	NOUN
easat-5250	161	21	1	1	NUM
easat-5250	161	22	,	,	PUNCT
easat-5250	161	23	were	be	AUX
easat-5250	161	24	modified	modify	VERB
easat-5250	161	25	from	from	ADP
easat-5250	161	26	earlier	early	ADJ
easat-5250	161	27	research	research	NOUN
easat-5250	161	28	(	(	PUNCT
easat-5250	161	29	figure	figure	NOUN
easat-5250	161	30	1	1	NUM
easat-5250	161	31	)	)	PUNCT
easat-5250	161	32	.	.	PUNCT
easat-5250	162	1	the	the	DET
easat-5250	162	2	literature	literature	NOUN
easat-5250	162	3	served	serve	VERB
easat-5250	162	4	as	as	ADP
easat-5250	162	5	the	the	DET
easat-5250	162	6	empirical	empirical	ADJ
easat-5250	162	7	foundation	foundation	NOUN
easat-5250	162	8	for	for	ADP
easat-5250	162	9	the	the	DET
easat-5250	162	10	theories	theory	NOUN
easat-5250	162	11	that	that	PRON
easat-5250	162	12	were	be	AUX
easat-5250	162	13	employed	employ	VERB
easat-5250	162	14	.	.	PUNCT
easat-5250	163	1	efficiency	efficiency	NOUN
easat-5250	163	2	,	,	PUNCT
easat-5250	163	3	fulfillment	fulfillment	NOUN
easat-5250	163	4	,	,	PUNCT
easat-5250	163	5	system	system	NOUN
easat-5250	163	6	availability	availability	NOUN
easat-5250	163	7	,	,	PUNCT
easat-5250	163	8	and	and	CCONJ
easat-5250	163	9	security	security	NOUN
easat-5250	163	10	are	be	AUX
easat-5250	163	11	the	the	DET
easat-5250	163	12	four	four	NUM
easat-5250	163	13	primary	primary	ADJ
easat-5250	163	14	constructs	construct	NOUN
easat-5250	163	15	that	that	PRON
easat-5250	163	16	were	be	AUX
easat-5250	163	17	taken	take	VERB
easat-5250	163	18	from	from	ADP
easat-5250	163	19	e	e	NOUN
easat-5250	163	20	-	-	ADJ
easat-5250	163	21	s	s	X
easat-5250	163	22	-	-	PUNCT
easat-5250	163	23	qual	qual	ADJ
easat-5250	164	1	[	[	X
easat-5250	164	2	17	17	NUM
easat-5250	164	3	]	]	PUNCT
easat-5250	164	4	.	.	PUNCT
easat-5250	165	1	furthermore	furthermore	ADV
easat-5250	165	2	,	,	PUNCT
easat-5250	165	3	as	as	ADP
easat-5250	165	4	independent	independent	ADJ
easat-5250	165	5	variables	variable	NOUN
easat-5250	165	6	,	,	PUNCT
easat-5250	165	7	items	item	NOUN
easat-5250	165	8	for	for	ADP
easat-5250	165	9	trust	trust	NOUN
easat-5250	165	10	,	,	PUNCT
easat-5250	165	11	convenience	convenience	NOUN
easat-5250	165	12	,	,	PUNCT
easat-5250	165	13	and	and	CCONJ
easat-5250	165	14	promotion	promotion	NOUN
easat-5250	165	15	policy	policy	NOUN
easat-5250	165	16	were	be	AUX
easat-5250	165	17	modified	modify	VERB
easat-5250	165	18	from	from	ADP
easat-5250	165	19	bhuvaneswari	bhuvaneswari	NOUN
easat-5250	165	20	and	and	CCONJ
easat-5250	165	21	maruthamuthu	maruthamuthu	NOUN
easat-5250	166	1	[	[	X
easat-5250	166	2	29	29	NUM
easat-5250	166	3	]	]	X
easat-5250	166	4	;	;	PUNCT
easat-5250	166	5	ayinaddis	ayinaddi	NOUN
easat-5250	166	6	,	,	PUNCT
easat-5250	166	7	et	et	PROPN
easat-5250	166	8	al	al	PROPN
easat-5250	166	9	.	.	PUNCT
easat-5250	167	1	[	[	X
easat-5250	167	2	43	43	NUM
easat-5250	167	3	]	]	X
easat-5250	167	4	;	;	PUNCT
easat-5250	167	5	le	le	X
easat-5250	167	6	,	,	PUNCT
easat-5250	167	7	et	et	PROPN
easat-5250	167	8	al	al	PROPN
easat-5250	167	9	.	.	PUNCT
easat-5250	168	1	[	[	X
easat-5250	168	2	28	28	NUM
easat-5250	168	3	]	]	PUNCT
easat-5250	168	4	and	and	CCONJ
easat-5250	168	5	windasari	windasari	X
easat-5250	168	6	,	,	PUNCT
easat-5250	168	7	et	et	PROPN
easat-5250	168	8	al	al	PROPN
easat-5250	168	9	.	.	PUNCT
easat-5250	169	1	[	[	X
easat-5250	169	2	2	2	NUM
easat-5250	169	3	]	]	PUNCT
easat-5250	169	4	.	.	PUNCT
easat-5250	170	1	in	in	ADP
easat-5250	170	2	order	order	NOUN
easat-5250	170	3	to	to	PART
easat-5250	170	4	measure	measure	VERB
easat-5250	170	5	independent	independent	ADJ
easat-5250	170	6	and	and	CCONJ
easat-5250	170	7	dependent	dependent	ADJ
easat-5250	170	8	factors	factor	NOUN
easat-5250	170	9	,	,	PUNCT
easat-5250	170	10	the	the	DET
easat-5250	170	11	questionnaire	questionnaire	NOUN
easat-5250	170	12	used	use	VERB
easat-5250	170	13	in	in	ADP
easat-5250	170	14	this	this	DET
easat-5250	170	15	study	study	NOUN
easat-5250	170	16	was	be	AUX
easat-5250	170	17	created	create	VERB
easat-5250	170	18	using	use	VERB
easat-5250	170	19	data	datum	NOUN
easat-5250	170	20	from	from	ADP
easat-5250	170	21	a	a	DET
easat-5250	170	22	variety	variety	NOUN
easat-5250	170	23	of	of	ADP
easat-5250	170	24	literature	literature	NOUN
easat-5250	170	25	sources	source	NOUN
easat-5250	170	26	[	[	X
easat-5250	170	27	18	18	NUM
easat-5250	170	28	,	,	PUNCT
easat-5250	170	29	26	26	NUM
easat-5250	170	30	,	,	PUNCT
easat-5250	170	31	29	29	NUM
easat-5250	170	32	]	]	PUNCT
easat-5250	170	33	.	.	PUNCT
easat-5250	171	1	three	three	NUM
easat-5250	171	2	sections	section	NOUN
easat-5250	171	3	made	make	VERB
easat-5250	171	4	up	up	ADP
easat-5250	171	5	the	the	DET
easat-5250	171	6	questionnaire	questionnaire	NOUN
easat-5250	171	7	:	:	PUNCT
easat-5250	171	8	the	the	DET
easat-5250	171	9	first	first	ADV
easat-5250	171	10	asked	ask	VERB
easat-5250	171	11	for	for	ADP
easat-5250	171	12	demographic	demographic	ADJ
easat-5250	171	13	data	datum	NOUN
easat-5250	171	14	,	,	PUNCT
easat-5250	171	15	while	while	SCONJ
easat-5250	171	16	the	the	DET
easat-5250	171	17	second	second	ADJ
easat-5250	171	18	and	and	CCONJ
easat-5250	171	19	third	third	ADV
easat-5250	171	20	asked	ask	VERB
easat-5250	171	21	about	about	ADP
easat-5250	171	22	respondents	respondent	NOUN
easat-5250	171	23	'	'	PART
easat-5250	171	24	opinions	opinion	NOUN
easat-5250	171	25	of	of	ADP
easat-5250	171	26	the	the	DET
easat-5250	171	27	quality	quality	NOUN
easat-5250	171	28	of	of	ADP
easat-5250	171	29	the	the	DET
easat-5250	171	30	services	service	NOUN
easat-5250	171	31	they	they	PRON
easat-5250	171	32	received	receive	VERB
easat-5250	171	33	and	and	CCONJ
easat-5250	171	34	how	how	SCONJ
easat-5250	171	35	satisfied	satisfied	ADJ
easat-5250	171	36	they	they	PRON
easat-5250	171	37	were	be	AUX
easat-5250	171	38	with	with	ADP
easat-5250	171	39	the	the	DET
easat-5250	171	40	digital	digital	ADJ
easat-5250	171	41	banking	banking	NOUN
easat-5250	171	42	services	service	NOUN
easat-5250	171	43	they	they	PRON
easat-5250	171	44	utilized	utilize	VERB
easat-5250	171	45	.	.	PUNCT
easat-5250	172	1	the	the	DET
easat-5250	172	2	questionnaire	questionnaire	NOUN
easat-5250	172	3	used	use	VERB
easat-5250	172	4	in	in	ADP
easat-5250	172	5	this	this	DET
easat-5250	172	6	study	study	NOUN
easat-5250	172	7	consists	consist	VERB
easat-5250	172	8	of	of	ADP
easat-5250	172	9	32	32	NUM
easat-5250	172	10	items	item	NOUN
easat-5250	172	11	divided	divide	VERB
easat-5250	172	12	into	into	ADP
easat-5250	172	13	several	several	ADJ
easat-5250	172	14	main	main	ADJ
easat-5250	172	15	variables	variable	NOUN
easat-5250	172	16	.	.	PUNCT
easat-5250	173	1	the	the	DET
easat-5250	173	2	495	495	NUM
easat-5250	173	3	edelweiss	edelweiss	PROPN
easat-5250	173	4	applied	apply	VERB
easat-5250	173	5	science	science	NOUN
easat-5250	173	6	and	and	CCONJ
easat-5250	173	7	technology	technology	NOUN
easat-5250	173	8	issn	issn	PROPN
easat-5250	173	9	:	:	PUNCT
easat-5250	173	10	2576	2576	NUM
easat-5250	173	11	-	-	SYM
easat-5250	173	12	8484	8484	NUM
easat-5250	173	13	vol	vol	NOUN
easat-5250	173	14	.	.	PROPN
easat-5250	174	1	9	9	NUM
easat-5250	174	2	,	,	PUNCT
easat-5250	174	3	no	no	INTJ
easat-5250	174	4	.	.	NOUN
easat-5250	175	1	3	3	NUM
easat-5250	175	2	:	:	PUNCT
easat-5250	175	3	489	489	NUM
easat-5250	175	4	-	-	SYM
easat-5250	175	5	510	510	NUM
easat-5250	175	6	,	,	PUNCT
easat-5250	175	7	2025	2025	NUM
easat-5250	175	8	doi	doi	NOUN
easat-5250	175	9	:	:	PUNCT
easat-5250	175	10	10.55214/25768484.v9i3.5250	10.55214/25768484.v9i3.5250	NUM
easat-5250	175	11	©	©	PROPN
easat-5250	175	12	2025	2025	NUM
easat-5250	175	13	by	by	ADP
easat-5250	175	14	the	the	DET
easat-5250	175	15	authors	author	NOUN
easat-5250	175	16	;	;	PUNCT
easat-5250	175	17	licensee	licensee	PROPN
easat-5250	175	18	learning	learn	VERB
easat-5250	175	19	gate	gate	NOUN
easat-5250	175	20	efficiency	efficiency	NOUN
easat-5250	175	21	variable	variable	NOUN
easat-5250	175	22	is	be	AUX
easat-5250	175	23	measured	measure	VERB
easat-5250	175	24	by	by	ADP
easat-5250	175	25	4	4	NUM
easat-5250	175	26	items	item	NOUN
easat-5250	175	27	,	,	PUNCT
easat-5250	175	28	the	the	DET
easat-5250	175	29	fulfillment	fulfillment	NOUN
easat-5250	175	30	variable	variable	NOUN
easat-5250	175	31	by	by	ADP
easat-5250	175	32	5	5	NUM
easat-5250	175	33	items	item	NOUN
easat-5250	175	34	,	,	PUNCT
easat-5250	175	35	the	the	DET
easat-5250	175	36	system	system	NOUN
easat-5250	175	37	availability	availability	NOUN
easat-5250	175	38	variable	variable	NOUN
easat-5250	175	39	by	by	ADP
easat-5250	175	40	4	4	NUM
easat-5250	175	41	items	item	NOUN
easat-5250	175	42	,	,	PUNCT
easat-5250	175	43	and	and	CCONJ
easat-5250	175	44	the	the	DET
easat-5250	175	45	security	security	NOUN
easat-5250	175	46	variable	variable	NOUN
easat-5250	175	47	by	by	ADP
easat-5250	175	48	4	4	NUM
easat-5250	175	49	items	item	NOUN
easat-5250	175	50	.	.	PUNCT
easat-5250	176	1	in	in	ADP
easat-5250	176	2	addition	addition	NOUN
easat-5250	176	3	,	,	PUNCT
easat-5250	176	4	the	the	DET
easat-5250	176	5	trust	trust	NOUN
easat-5250	176	6	variable	variable	NOUN
easat-5250	176	7	has	have	VERB
easat-5250	176	8	4	4	NUM
easat-5250	176	9	items	item	NOUN
easat-5250	176	10	,	,	PUNCT
easat-5250	176	11	convenience	convenience	NOUN
easat-5250	176	12	4	4	NUM
easat-5250	176	13	items	item	NOUN
easat-5250	176	14	,	,	PUNCT
easat-5250	176	15	promotion	promotion	NOUN
easat-5250	176	16	policy	policy	NOUN
easat-5250	176	17	3	3	NUM
easat-5250	176	18	items	item	NOUN
easat-5250	176	19	,	,	PUNCT
easat-5250	176	20	and	and	CCONJ
easat-5250	176	21	customer	customer	NOUN
easat-5250	176	22	satisfaction	satisfaction	NOUN
easat-5250	176	23	is	be	AUX
easat-5250	176	24	measured	measure	VERB
easat-5250	176	25	by	by	ADP
easat-5250	176	26	4	4	NUM
easat-5250	176	27	items	item	NOUN
easat-5250	176	28	.	.	PUNCT
easat-5250	177	1	each	each	DET
easat-5250	177	2	item	item	NOUN
easat-5250	177	3	is	be	AUX
easat-5250	177	4	measured	measure	VERB
easat-5250	177	5	using	use	VERB
easat-5250	177	6	a	a	DET
easat-5250	177	7	five	five	NUM
easat-5250	177	8	-	-	PUNCT
easat-5250	177	9	point	point	NOUN
easat-5250	177	10	likert	likert	ADJ
easat-5250	177	11	scale	scale	NOUN
easat-5250	177	12	,	,	PUNCT
easat-5250	177	13	from	from	ADP
easat-5250	177	14	1	1	NUM
easat-5250	177	15	(	(	PUNCT
easat-5250	177	16	strongly	strongly	ADV
easat-5250	177	17	disagree	disagree	VERB
easat-5250	177	18	)	)	PUNCT
easat-5250	177	19	to	to	ADP
easat-5250	177	20	5	5	NUM
easat-5250	177	21	(	(	PUNCT
easat-5250	177	22	strongly	strongly	ADV
easat-5250	177	23	agree	agree	VERB
easat-5250	177	24	)	)	PUNCT
easat-5250	177	25	.	.	PUNCT
easat-5250	178	1	table	table	NOUN
easat-5250	178	2	1	1	NUM
easat-5250	178	3	.	.	X
easat-5250	178	4	list	list	NOUN
easat-5250	178	5	of	of	ADP
easat-5250	178	6	measurement	measurement	NOUN
easat-5250	178	7	items	item	NOUN
easat-5250	178	8	.	.	PUNCT
easat-5250	179	1	variable	variable	ADJ
easat-5250	179	2	items	item	NOUN
easat-5250	179	3	measurement	measurement	NOUN
easat-5250	179	4	references	reference	NOUN
easat-5250	179	5	efficiency	efficiency	NOUN
easat-5250	179	6	eff1	eff1	VERB
easat-5250	179	7	my	my	PRON
easat-5250	179	8	digital	digital	ADJ
easat-5250	179	9	banking	banking	NOUN
easat-5250	179	10	service	service	NOUN
easat-5250	179	11	platform	platform	NOUN
easat-5250	179	12	allows	allow	VERB
easat-5250	179	13	me	i	PRON
easat-5250	179	14	to	to	PART
easat-5250	179	15	make	make	VERB
easat-5250	179	16	transactions	transaction	NOUN
easat-5250	179	17	efficiently	efficiently	ADV
easat-5250	179	18	.	.	PUNCT
easat-5250	180	1	parasuraman	parasuraman	NOUN
easat-5250	180	2	,	,	PUNCT
easat-5250	180	3	et	et	PROPN
easat-5250	180	4	al	al	PROPN
easat-5250	180	5	.	.	PUNCT
easat-5250	181	1	[	[	X
easat-5250	181	2	17	17	NUM
easat-5250	181	3	]	]	PUNCT
easat-5250	181	4	and	and	CCONJ
easat-5250	181	5	bankuoru	bankuoru	NOUN
easat-5250	181	6	,	,	PUNCT
easat-5250	181	7	et	et	PROPN
easat-5250	181	8	al	al	PROPN
easat-5250	181	9	.	.	PUNCT
easat-5250	182	1	[	[	X
easat-5250	182	2	18	18	NUM
easat-5250	182	3	]	]	X
easat-5250	182	4	eff2	eff2	NOUN
easat-5250	182	5	the	the	DET
easat-5250	182	6	information	information	NOUN
easat-5250	182	7	concerning	concern	VERB
easat-5250	182	8	the	the	DET
easat-5250	182	9	services	service	NOUN
easat-5250	182	10	and	and	CCONJ
easat-5250	182	11	features	feature	NOUN
easat-5250	182	12	of	of	ADP
easat-5250	182	13	the	the	DET
easat-5250	182	14	digital	digital	ADJ
easat-5250	182	15	bank	bank	NOUN
easat-5250	182	16	i	i	PRON
easat-5250	182	17	require	require	VERB
easat-5250	182	18	is	be	AUX
easat-5250	182	19	readily	readily	ADV
easat-5250	182	20	available	available	ADJ
easat-5250	182	21	and	and	CCONJ
easat-5250	182	22	quickly	quickly	ADV
easat-5250	182	23	accessible	accessible	ADJ
easat-5250	182	24	.	.	PUNCT
easat-5250	183	1	eff3	eff3	VERB
easat-5250	183	2	the	the	DET
easat-5250	183	3	digital	digital	ADJ
easat-5250	183	4	banking	banking	NOUN
easat-5250	183	5	application	application	NOUN
easat-5250	183	6	i	i	PRON
easat-5250	183	7	use	use	VERB
easat-5250	183	8	is	be	AUX
easat-5250	183	9	well	well	ADV
easat-5250	183	10	-	-	PUNCT
easat-5250	183	11	structured	structure	VERB
easat-5250	183	12	,	,	PUNCT
easat-5250	183	13	allowing	allow	VERB
easat-5250	183	14	me	i	PRON
easat-5250	183	15	to	to	PART
easat-5250	183	16	locate	locate	VERB
easat-5250	183	17	features	feature	NOUN
easat-5250	183	18	with	with	ADP
easat-5250	183	19	ease	ease	NOUN
easat-5250	183	20	.	.	PUNCT
easat-5250	184	1	eff4	eff4	PROPN
easat-5250	184	2	the	the	DET
easat-5250	184	3	page	page	NOUN
easat-5250	184	4	view	view	NOUN
easat-5250	184	5	on	on	ADP
easat-5250	184	6	this	this	DET
easat-5250	184	7	digital	digital	ADJ
easat-5250	184	8	bank	bank	NOUN
easat-5250	184	9	application	application	NOUN
easat-5250	184	10	loads	load	VERB
easat-5250	184	11	information	information	NOUN
easat-5250	184	12	quickly	quickly	ADV
easat-5250	184	13	.	.	PUNCT
easat-5250	185	1	fulfillment	fulfillment	PROPN
easat-5250	185	2	ful1	ful1	PROPN
easat-5250	185	3	digital	digital	PROPN
easat-5250	185	4	banks	bank	NOUN
easat-5250	185	5	execute	execute	VERB
easat-5250	185	6	money	money	NOUN
easat-5250	185	7	transfers	transfer	NOUN
easat-5250	185	8	promptly	promptly	ADV
easat-5250	185	9	and	and	CCONJ
easat-5250	185	10	in	in	ADP
easat-5250	185	11	a	a	DET
easat-5250	185	12	timely	timely	ADJ
easat-5250	185	13	manner	manner	NOUN
easat-5250	185	14	.	.	PUNCT
easat-5250	186	1	parasuraman	parasuraman	NOUN
easat-5250	186	2	,	,	PUNCT
easat-5250	186	3	et	et	PROPN
easat-5250	186	4	al	al	PROPN
easat-5250	186	5	.	.	PUNCT
easat-5250	187	1	[	[	X
easat-5250	187	2	17	17	NUM
easat-5250	187	3	]	]	PUNCT
easat-5250	187	4	and	and	CCONJ
easat-5250	187	5	malc	malc	PROPN
easat-5250	187	6	,	,	PUNCT
easat-5250	187	7	et	et	PROPN
easat-5250	187	8	al	al	PROPN
easat-5250	187	9	.	.	PUNCT
easat-5250	188	1	[	[	X
easat-5250	188	2	41	41	NUM
easat-5250	188	3	]	]	PUNCT
easat-5250	188	4	ful2	ful2	NOUN
easat-5250	188	5	the	the	DET
easat-5250	188	6	digital	digital	PROPN
easat-5250	188	7	bank	bank	NOUN
easat-5250	188	8	consistently	consistently	ADV
easat-5250	188	9	fulfills	fulfill	VERB
easat-5250	188	10	my	my	PRON
easat-5250	188	11	needs	need	NOUN
easat-5250	188	12	in	in	ADP
easat-5250	188	13	every	every	DET
easat-5250	188	14	transaction	transaction	NOUN
easat-5250	188	15	and	and	CCONJ
easat-5250	188	16	service	service	NOUN
easat-5250	188	17	i	i	PRON
easat-5250	188	18	require	require	VERB
easat-5250	188	19	.	.	PUNCT
easat-5250	189	1	ful3	ful3	PROPN
easat-5250	189	2	digital	digital	ADJ
easat-5250	189	3	banks	bank	NOUN
easat-5250	189	4	are	be	AUX
easat-5250	189	5	reliable	reliable	ADJ
easat-5250	189	6	in	in	ADP
easat-5250	189	7	delivering	deliver	VERB
easat-5250	189	8	the	the	DET
easat-5250	189	9	services	service	NOUN
easat-5250	189	10	they	they	PRON
easat-5250	189	11	advertise	advertise	VERB
easat-5250	189	12	.	.	PUNCT
easat-5250	190	1	ful4	ful4	NOUN
easat-5250	190	2	digital	digital	ADJ
easat-5250	190	3	banks	bank	NOUN
easat-5250	190	4	consistently	consistently	ADV
easat-5250	190	5	meet	meet	VERB
easat-5250	190	6	their	their	PRON
easat-5250	190	7	commitments	commitment	NOUN
easat-5250	190	8	regarding	regard	VERB
easat-5250	190	9	transaction	transaction	NOUN
easat-5250	190	10	completion	completion	NOUN
easat-5250	190	11	times	time	NOUN
easat-5250	190	12	.	.	PUNCT
easat-5250	191	1	ful5	ful5	NOUN
easat-5250	191	2	my	my	PRON
easat-5250	191	3	digital	digital	PROPN
easat-5250	191	4	bank	bank	NOUN
easat-5250	191	5	addresses	address	NOUN
easat-5250	191	6	problems	problem	NOUN
easat-5250	191	7	or	or	CCONJ
easat-5250	191	8	complaints	complaint	NOUN
easat-5250	191	9	with	with	ADP
easat-5250	191	10	effective	effective	ADJ
easat-5250	191	11	solutions	solution	NOUN
easat-5250	191	12	that	that	PRON
easat-5250	191	13	align	align	VERB
easat-5250	191	14	with	with	ADP
easat-5250	191	15	customer	customer	NOUN
easat-5250	191	16	needs	need	NOUN
easat-5250	191	17	.	.	PUNCT
easat-5250	192	1	system	system	NOUN
easat-5250	192	2	availability	availability	NOUN
easat-5250	192	3	sys1	sys1	NOUN
easat-5250	192	4	users	user	NOUN
easat-5250	192	5	can	can	AUX
easat-5250	192	6	easily	easily	ADV
easat-5250	192	7	access	access	VERB
easat-5250	192	8	the	the	DET
easat-5250	192	9	account	account	NOUN
easat-5250	192	10	or	or	CCONJ
easat-5250	192	11	log	log	VERB
easat-5250	192	12	in	in	ADP
easat-5250	192	13	.	.	PUNCT
easat-5250	193	1	parasuraman	parasuraman	NOUN
easat-5250	193	2	,	,	PUNCT
easat-5250	193	3	et	et	PROPN
easat-5250	193	4	al	al	PROPN
easat-5250	193	5	.	.	PUNCT
easat-5250	194	1	[	[	X
easat-5250	194	2	17	17	NUM
easat-5250	194	3	]	]	PUNCT
easat-5250	194	4	and	and	CCONJ
easat-5250	194	5	malc	malc	PROPN
easat-5250	194	6	,	,	PUNCT
easat-5250	194	7	et	et	PROPN
easat-5250	194	8	al	al	PROPN
easat-5250	194	9	.	.	PUNCT
easat-5250	195	1	[	[	X
easat-5250	195	2	41	41	NUM
easat-5250	195	3	]	]	PUNCT
easat-5250	195	4	sys2	sys2	VERB
easat-5250	195	5	digital	digital	ADJ
easat-5250	195	6	banks	bank	NOUN
easat-5250	195	7	rarely	rarely	ADV
easat-5250	195	8	experience	experience	VERB
easat-5250	195	9	disruptions	disruption	NOUN
easat-5250	195	10	or	or	CCONJ
easat-5250	195	11	crashes	crash	NOUN
easat-5250	195	12	.	.	PUNCT
easat-5250	196	1	sys3	sys3	VERB
easat-5250	196	2	the	the	DET
easat-5250	196	3	system	system	NOUN
easat-5250	196	4	is	be	AUX
easat-5250	196	5	consistently	consistently	ADV
easat-5250	196	6	available	available	ADJ
easat-5250	196	7	when	when	SCONJ
easat-5250	196	8	required	require	VERB
easat-5250	196	9	by	by	ADP
easat-5250	196	10	the	the	DET
easat-5250	196	11	user	user	NOUN
easat-5250	196	12	.	.	PUNCT
easat-5250	197	1	sys4	sys4	PROPN
easat-5250	197	2	the	the	DET
easat-5250	197	3	digital	digital	PROPN
easat-5250	197	4	bank	bank	NOUN
easat-5250	197	5	application	application	NOUN
easat-5250	197	6	continued	continue	VERB
easat-5250	197	7	to	to	PART
easat-5250	197	8	run	run	VERB
easat-5250	197	9	smoothly	smoothly	ADV
easat-5250	197	10	after	after	SCONJ
easat-5250	197	11	i	i	PRON
easat-5250	197	12	entered	enter	VERB
easat-5250	197	13	the	the	DET
easat-5250	197	14	transaction	transaction	NOUN
easat-5250	197	15	information	information	NOUN
easat-5250	197	16	.	.	PUNCT
easat-5250	198	1	security	security	NOUN
easat-5250	198	2	sec1	sec1	PROPN
easat-5250	198	3	my	my	PRON
easat-5250	198	4	digital	digital	PROPN
easat-5250	198	5	bank	bank	NOUN
easat-5250	198	6	ensures	ensure	VERB
easat-5250	198	7	the	the	DET
easat-5250	198	8	security	security	NOUN
easat-5250	198	9	of	of	ADP
easat-5250	198	10	my	my	PRON
easat-5250	198	11	personal	personal	ADJ
easat-5250	198	12	data	datum	NOUN
easat-5250	198	13	and	and	CCONJ
easat-5250	198	14	information	information	NOUN
easat-5250	198	15	.	.	PUNCT
easat-5250	199	1	parasuraman	parasuraman	NOUN
easat-5250	199	2	,	,	PUNCT
easat-5250	199	3	et	et	PROPN
easat-5250	199	4	al	al	PROPN
easat-5250	199	5	.	.	PUNCT
easat-5250	200	1	[	[	X
easat-5250	200	2	17	17	NUM
easat-5250	200	3	]	]	PUNCT
easat-5250	200	4	and	and	CCONJ
easat-5250	200	5	bankuoru	bankuoru	NOUN
easat-5250	200	6	,	,	PUNCT
easat-5250	200	7	et	et	PROPN
easat-5250	200	8	al	al	PROPN
easat-5250	200	9	.	.	PUNCT
easat-5250	201	1	[	[	X
easat-5250	201	2	18	18	NUM
easat-5250	201	3	]	]	X
easat-5250	201	4	sec2	sec2	NOUN
easat-5250	201	5	i	i	PRON
easat-5250	201	6	feel	feel	VERB
easat-5250	201	7	safe	safe	ADJ
easat-5250	201	8	when	when	SCONJ
easat-5250	201	9	i	i	PRON
easat-5250	201	10	use	use	VERB
easat-5250	201	11	my	my	PRON
easat-5250	201	12	bank	bank	NOUN
easat-5250	201	13	's	's	PART
easat-5250	201	14	digital	digital	ADJ
easat-5250	201	15	services	service	NOUN
easat-5250	201	16	to	to	PART
easat-5250	201	17	make	make	VERB
easat-5250	201	18	transactions	transaction	NOUN
easat-5250	201	19	.	.	PUNCT
easat-5250	202	1	sec3	sec3	NOUN
easat-5250	202	2	i	i	PRON
easat-5250	202	3	am	be	AUX
easat-5250	202	4	confident	confident	ADJ
easat-5250	202	5	that	that	SCONJ
easat-5250	202	6	my	my	PRON
easat-5250	202	7	bank	bank	NOUN
easat-5250	202	8	does	do	AUX
easat-5250	202	9	not	not	PART
easat-5250	202	10	share	share	VERB
easat-5250	202	11	my	my	PRON
easat-5250	202	12	personal	personal	ADJ
easat-5250	202	13	and	and	CCONJ
easat-5250	202	14	financial	financial	ADJ
easat-5250	202	15	transaction	transaction	NOUN
easat-5250	202	16	data	datum	NOUN
easat-5250	202	17	with	with	ADP
easat-5250	202	18	third	third	ADJ
easat-5250	202	19	parties	party	NOUN
easat-5250	202	20	without	without	ADP
easat-5250	202	21	my	my	PRON
easat-5250	202	22	consent	consent	NOUN
easat-5250	202	23	.	.	PUNCT
easat-5250	203	1	sec4	sec4	NOUN
easat-5250	203	2	i	i	PRON
easat-5250	203	3	am	be	AUX
easat-5250	203	4	confident	confident	ADJ
easat-5250	203	5	that	that	SCONJ
easat-5250	203	6	digital	digital	ADJ
easat-5250	203	7	banks	bank	NOUN
easat-5250	203	8	implement	implement	VERB
easat-5250	203	9	systems	system	NOUN
easat-5250	203	10	capable	capable	ADJ
easat-5250	203	11	of	of	ADP
easat-5250	203	12	preventing	prevent	VERB
easat-5250	203	13	financial	financial	ADJ
easat-5250	203	14	fraud	fraud	NOUN
easat-5250	203	15	.	.	PUNCT
easat-5250	204	1	trust	trust	NOUN
easat-5250	204	2	tr1	tr1	PROPN
easat-5250	205	1	if	if	SCONJ
easat-5250	205	2	there	there	PRON
easat-5250	205	3	is	be	VERB
easat-5250	205	4	an	an	DET
easat-5250	205	5	error	error	NOUN
easat-5250	205	6	in	in	ADP
easat-5250	205	7	my	my	PRON
easat-5250	205	8	financial	financial	ADJ
easat-5250	205	9	transactions	transaction	NOUN
easat-5250	205	10	,	,	PUNCT
easat-5250	205	11	i	i	PRON
easat-5250	205	12	trust	trust	VERB
easat-5250	205	13	my	my	PRON
easat-5250	205	14	digital	digital	ADJ
easat-5250	205	15	bank	bank	NOUN
easat-5250	205	16	will	will	AUX
easat-5250	205	17	promptly	promptly	ADV
easat-5250	205	18	correct	correct	VERB
easat-5250	205	19	it	it	PRON
easat-5250	205	20	and	and	CCONJ
easat-5250	205	21	provide	provide	VERB
easat-5250	205	22	an	an	DET
easat-5250	205	23	appropriate	appropriate	ADJ
easat-5250	205	24	solution	solution	NOUN
easat-5250	205	25	.	.	PUNCT
easat-5250	206	1	melinda	melinda	PROPN
easat-5250	206	2	,	,	PUNCT
easat-5250	206	3	et	et	PROPN
easat-5250	206	4	al	al	PROPN
easat-5250	206	5	.	.	PUNCT
easat-5250	207	1	[	[	X
easat-5250	207	2	53	53	NUM
easat-5250	207	3	]	]	PUNCT
easat-5250	207	4	and	and	CCONJ
easat-5250	207	5	nguyen	nguyen	NOUN
easat-5250	207	6	and	and	CCONJ
easat-5250	207	7	dang	dang	VERB
easat-5250	208	1	[	[	X
easat-5250	208	2	26	26	NUM
easat-5250	208	3	]	]	PUNCT
easat-5250	208	4	tr2	tr2	X
easat-5250	208	5	i	i	PRON
easat-5250	208	6	trust	trust	VERB
easat-5250	208	7	that	that	SCONJ
easat-5250	208	8	my	my	PRON
easat-5250	208	9	digital	digital	PROPN
easat-5250	208	10	bank	bank	NOUN
easat-5250	208	11	presents	present	VERB
easat-5250	208	12	transaction	transaction	NOUN
easat-5250	208	13	information	information	NOUN
easat-5250	208	14	honestly	honestly	ADV
easat-5250	208	15	and	and	CCONJ
easat-5250	208	16	transparently	transparently	ADV
easat-5250	208	17	.	.	PUNCT
easat-5250	209	1	tr3	tr3	PROPN
easat-5250	210	1	i	i	PRON
easat-5250	210	2	trust	trust	VERB
easat-5250	210	3	that	that	SCONJ
easat-5250	210	4	digital	digital	ADJ
easat-5250	210	5	banks	bank	NOUN
easat-5250	210	6	honor	honor	VERB
easat-5250	210	7	every	every	DET
easat-5250	210	8	commitment	commitment	NOUN
easat-5250	210	9	made	make	VERB
easat-5250	210	10	to	to	ADP
easat-5250	210	11	their	their	PRON
easat-5250	210	12	customers	customer	NOUN
easat-5250	210	13	.	.	PUNCT
easat-5250	211	1	tr4	tr4	PROPN
easat-5250	211	2	i	i	PRON
easat-5250	211	3	trust	trust	VERB
easat-5250	211	4	that	that	SCONJ
easat-5250	211	5	digital	digital	ADJ
easat-5250	211	6	banks	bank	NOUN
easat-5250	211	7	maintain	maintain	VERB
easat-5250	211	8	customer	customer	NOUN
easat-5250	211	9	trust	trust	NOUN
easat-5250	211	10	by	by	ADP
easat-5250	211	11	providing	provide	VERB
easat-5250	211	12	benefits	benefit	NOUN
easat-5250	211	13	that	that	PRON
easat-5250	211	14	meet	meet	VERB
easat-5250	211	15	expectations	expectation	NOUN
easat-5250	211	16	.	.	PUNCT
easat-5250	212	1	convenience	convenience	NOUN
easat-5250	212	2	conv1	conv1	NOUN
easat-5250	212	3	using	use	VERB
easat-5250	212	4	digital	digital	ADJ
easat-5250	212	5	banking	banking	NOUN
easat-5250	212	6	facilitates	facilitate	VERB
easat-5250	212	7	access	access	NOUN
easat-5250	212	8	to	to	ADP
easat-5250	212	9	financial	financial	ADJ
easat-5250	212	10	services	service	NOUN
easat-5250	212	11	for	for	ADP
easat-5250	212	12	me	i	PRON
easat-5250	212	13	.	.	PUNCT
easat-5250	213	1	lee	lee	PROPN
easat-5250	213	2	and	and	CCONJ
easat-5250	213	3	kim	kim	PROPN
easat-5250	214	1	[	[	X
easat-5250	214	2	55	55	NUM
easat-5250	214	3	]	]	PUNCT
easat-5250	214	4	conv2	conv2	NOUN
easat-5250	214	5	using	use	VERB
easat-5250	214	6	digital	digital	ADJ
easat-5250	214	7	banking	banking	NOUN
easat-5250	214	8	is	be	AUX
easat-5250	214	9	more	more	ADV
easat-5250	214	10	convenient	convenient	ADJ
easat-5250	214	11	compared	compare	VERB
easat-5250	214	12	to	to	ADP
easat-5250	214	13	traditional	traditional	ADJ
easat-5250	214	14	banks	bank	NOUN
easat-5250	214	15	.	.	PUNCT
easat-5250	215	1	conv3	conv3	PROPN
easat-5250	215	2	digital	digital	ADJ
easat-5250	215	3	banking	banking	NOUN
easat-5250	215	4	is	be	AUX
easat-5250	215	5	highly	highly	ADV
easat-5250	215	6	user	user	NOUN
easat-5250	215	7	-	-	PUNCT
easat-5250	215	8	friendly	friendly	ADJ
easat-5250	215	9	and	and	CCONJ
easat-5250	215	10	practical	practical	ADJ
easat-5250	215	11	.	.	PUNCT
easat-5250	216	1	conv4	conv4	PROPN
easat-5250	216	2	digital	digital	ADJ
easat-5250	216	3	banking	banking	NOUN
easat-5250	216	4	allows	allow	VERB
easat-5250	216	5	me	i	PRON
easat-5250	216	6	to	to	PART
easat-5250	216	7	manage	manage	VERB
easat-5250	216	8	my	my	PRON
easat-5250	216	9	finances	finance	NOUN
easat-5250	216	10	anytime	anytime	ADV
easat-5250	216	11	and	and	CCONJ
easat-5250	216	12	anywhere	anywhere	ADV
easat-5250	216	13	with	with	ADP
easat-5250	216	14	ease	ease	NOUN
easat-5250	216	15	.	.	PUNCT
easat-5250	217	1	promotion	promotion	NOUN
easat-5250	217	2	policies	policy	NOUN
easat-5250	217	3	prom1	prom1	PROPN
easat-5250	218	1	digital	digital	ADJ
easat-5250	218	2	banks	bank	NOUN
easat-5250	218	3	routinely	routinely	ADV
easat-5250	218	4	offer	offer	VERB
easat-5250	218	5	service	service	NOUN
easat-5250	218	6	fee	fee	NOUN
easat-5250	218	7	waivers	waiver	NOUN
easat-5250	218	8	,	,	PUNCT
easat-5250	218	9	cashback	cashback	NOUN
easat-5250	218	10	,	,	PUNCT
easat-5250	218	11	or	or	CCONJ
easat-5250	218	12	discounts	discount	NOUN
easat-5250	218	13	.	.	PUNCT
easat-5250	219	1	le	le	X
easat-5250	219	2	,	,	PUNCT
easat-5250	219	3	et	et	PROPN
easat-5250	219	4	al	al	PROPN
easat-5250	219	5	.	.	PUNCT
easat-5250	220	1	[	[	X
easat-5250	220	2	28	28	NUM
easat-5250	220	3	]	]	AUX
easat-5250	220	4	prom2	prom2	NOUN
easat-5250	221	1	the	the	DET
easat-5250	221	2	promotions	promotion	NOUN
easat-5250	221	3	offered	offer	VERB
easat-5250	221	4	by	by	ADP
easat-5250	221	5	this	this	DET
easat-5250	221	6	digital	digital	ADJ
easat-5250	221	7	bank	bank	NOUN
easat-5250	221	8	are	be	AUX
easat-5250	221	9	appealing	appeal	VERB
easat-5250	221	10	and	and	CCONJ
easat-5250	221	11	add	add	VERB
easat-5250	221	12	value	value	NOUN
easat-5250	221	13	for	for	ADP
easat-5250	221	14	me	i	PRON
easat-5250	221	15	.	.	PUNCT
easat-5250	222	1	prom3	prom3	VERB
easat-5250	222	2	the	the	DET
easat-5250	222	3	service	service	NOUN
easat-5250	222	4	fee	fee	NOUN
easat-5250	222	5	waivers	waiver	NOUN
easat-5250	222	6	,	,	PUNCT
easat-5250	222	7	cashback	cashback	NOUN
easat-5250	222	8	,	,	PUNCT
easat-5250	222	9	and	and	CCONJ
easat-5250	222	10	discounts	discount	NOUN
easat-5250	222	11	provided	provide	VERB
easat-5250	222	12	by	by	ADP
easat-5250	222	13	this	this	DET
easat-5250	222	14	digital	digital	PROPN
easat-5250	222	15	bank	bank	NOUN
easat-5250	222	16	meet	meet	VERB
easat-5250	222	17	my	my	PRON
easat-5250	222	18	needs	need	NOUN
easat-5250	222	19	.	.	PUNCT
easat-5250	223	1	496	496	NUM
easat-5250	223	2	edelweiss	edelweiss	PROPN
easat-5250	223	3	applied	apply	VERB
easat-5250	223	4	science	science	NOUN
easat-5250	223	5	and	and	CCONJ
easat-5250	223	6	technology	technology	NOUN
easat-5250	223	7	issn	issn	PROPN
easat-5250	223	8	:	:	PUNCT
easat-5250	223	9	2576	2576	NUM
easat-5250	223	10	-	-	SYM
easat-5250	223	11	8484	8484	NUM
easat-5250	223	12	vol	vol	NOUN
easat-5250	223	13	.	.	PROPN
easat-5250	224	1	9	9	NUM
easat-5250	224	2	,	,	PUNCT
easat-5250	224	3	no	no	INTJ
easat-5250	224	4	.	.	NOUN
easat-5250	225	1	3	3	NUM
easat-5250	225	2	:	:	PUNCT
easat-5250	225	3	489	489	NUM
easat-5250	225	4	-	-	SYM
easat-5250	225	5	510	510	NUM
easat-5250	225	6	,	,	PUNCT
easat-5250	225	7	2025	2025	NUM
easat-5250	225	8	doi	doi	NOUN
easat-5250	225	9	:	:	PUNCT
easat-5250	225	10	10.55214/25768484.v9i3.5250	10.55214/25768484.v9i3.5250	NUM
easat-5250	225	11	©	©	PROPN
easat-5250	225	12	2025	2025	NUM
easat-5250	225	13	by	by	ADP
easat-5250	225	14	the	the	DET
easat-5250	225	15	authors	author	NOUN
easat-5250	225	16	;	;	PUNCT
easat-5250	225	17	licensee	licensee	PROPN
easat-5250	225	18	learning	learning	NOUN
easat-5250	225	19	gate	gate	PROPN
easat-5250	225	20	customer	customer	NOUN
easat-5250	225	21	satisfaction	satisfaction	PROPN
easat-5250	225	22	cst1	cst1	NOUN
easat-5250	226	1	i	i	PRON
easat-5250	226	2	am	be	AUX
easat-5250	226	3	satisfied	satisfied	ADJ
easat-5250	226	4	with	with	ADP
easat-5250	226	5	the	the	DET
easat-5250	226	6	quality	quality	NOUN
easat-5250	226	7	of	of	ADP
easat-5250	226	8	digital	digital	ADJ
easat-5250	226	9	banking	banking	NOUN
easat-5250	226	10	services	service	NOUN
easat-5250	226	11	offered	offer	VERB
easat-5250	226	12	.	.	PUNCT
easat-5250	227	1	bankuoru	bankuoru	NOUN
easat-5250	227	2	,	,	PUNCT
easat-5250	227	3	et	et	PROPN
easat-5250	227	4	al	al	PROPN
easat-5250	227	5	.	.	PUNCT
easat-5250	228	1	[	[	X
easat-5250	228	2	18	18	NUM
easat-5250	228	3	]	]	X
easat-5250	228	4	cst2	cst2	PROPN
easat-5250	228	5	i	i	PRON
easat-5250	228	6	am	be	AUX
easat-5250	228	7	satisfied	satisfied	ADJ
easat-5250	228	8	with	with	ADP
easat-5250	228	9	the	the	DET
easat-5250	228	10	features	feature	NOUN
easat-5250	228	11	provided	provide	VERB
easat-5250	228	12	by	by	ADP
easat-5250	228	13	digital	digital	ADJ
easat-5250	228	14	banking	banking	NOUN
easat-5250	228	15	services	service	NOUN
easat-5250	228	16	.	.	PUNCT
easat-5250	229	1	cst3	cst3	PROPN
easat-5250	230	1	i	i	PRON
easat-5250	230	2	intend	intend	VERB
easat-5250	230	3	to	to	PART
easat-5250	230	4	continue	continue	VERB
easat-5250	230	5	using	use	VERB
easat-5250	230	6	this	this	DET
easat-5250	230	7	digital	digital	ADJ
easat-5250	230	8	banking	banking	NOUN
easat-5250	230	9	service	service	NOUN
easat-5250	230	10	in	in	ADP
easat-5250	230	11	the	the	DET
easat-5250	230	12	future	future	NOUN
easat-5250	230	13	.	.	PUNCT
easat-5250	231	1	cst4	cst4	NOUN
easat-5250	231	2	i	i	PRON
easat-5250	231	3	would	would	AUX
easat-5250	231	4	recommend	recommend	VERB
easat-5250	231	5	using	use	VERB
easat-5250	231	6	this	this	DET
easat-5250	231	7	digital	digital	ADJ
easat-5250	231	8	banking	banking	NOUN
easat-5250	231	9	service	service	NOUN
easat-5250	231	10	to	to	ADP
easat-5250	231	11	others	other	NOUN
easat-5250	231	12	.	.	PUNCT
easat-5250	232	1	5	5	X
easat-5250	232	2	.	.	X
easat-5250	232	3	results	result	NOUN
easat-5250	232	4	and	and	CCONJ
easat-5250	232	5	discussion	discussion	NOUN
easat-5250	232	6	5.1	5.1	NUM
easat-5250	232	7	.	.	PUNCT
easat-5250	233	1	respondent	respondent	NOUN
easat-5250	233	2	data	datum	NOUN
easat-5250	233	3	collection	collection	NOUN
easat-5250	233	4	included	include	VERB
easat-5250	233	5	respondents	respondent	NOUN
easat-5250	233	6	'	'	PART
easat-5250	233	7	demographic	demographic	ADJ
easat-5250	233	8	attributes	attribute	NOUN
easat-5250	233	9	such	such	ADJ
easat-5250	233	10	as	as	ADP
easat-5250	233	11	age	age	NOUN
easat-5250	233	12	,	,	PUNCT
easat-5250	233	13	gender	gender	NOUN
easat-5250	233	14	,	,	PUNCT
easat-5250	233	15	education	education	NOUN
easat-5250	233	16	level	level	NOUN
easat-5250	233	17	,	,	PUNCT
easat-5250	233	18	occupation	occupation	NOUN
easat-5250	233	19	,	,	PUNCT
easat-5250	233	20	domicile	domicile	NOUN
easat-5250	233	21	,	,	PUNCT
easat-5250	233	22	experience	experience	NOUN
easat-5250	233	23	using	use	VERB
easat-5250	233	24	digital	digital	ADJ
easat-5250	233	25	banking	banking	NOUN
easat-5250	233	26	,	,	PUNCT
easat-5250	233	27	and	and	CCONJ
easat-5250	233	28	monthly	monthly	ADJ
easat-5250	233	29	income	income	NOUN
easat-5250	233	30	.	.	PUNCT
easat-5250	234	1	this	this	DET
easat-5250	234	2	research	research	NOUN
easat-5250	234	3	uses	use	VERB
easat-5250	234	4	purposive	purposive	ADJ
easat-5250	234	5	sampling	sampling	NOUN
easat-5250	234	6	technique	technique	NOUN
easat-5250	234	7	,	,	PUNCT
easat-5250	234	8	which	which	PRON
easat-5250	234	9	is	be	AUX
easat-5250	234	10	part	part	NOUN
easat-5250	234	11	of	of	ADP
easat-5250	234	12	non	non	ADJ
easat-5250	234	13	-	-	ADJ
easat-5250	234	14	probability	probability	ADJ
easat-5250	234	15	sampling	sampling	NOUN
easat-5250	234	16	.	.	PUNCT
easat-5250	235	1	samples	sample	NOUN
easat-5250	235	2	were	be	AUX
easat-5250	235	3	selected	select	VERB
easat-5250	235	4	based	base	VERB
easat-5250	235	5	on	on	ADP
easat-5250	235	6	certain	certain	ADJ
easat-5250	235	7	criteria	criterion	NOUN
easat-5250	235	8	,	,	PUNCT
easat-5250	235	9	namely	namely	ADV
easat-5250	235	10	digital	digital	ADJ
easat-5250	235	11	bank	bank	NOUN
easat-5250	235	12	service	service	NOUN
easat-5250	235	13	users	user	NOUN
easat-5250	235	14	aged	age	VERB
easat-5250	235	15	17	17	NUM
easat-5250	235	16	-	-	SYM
easat-5250	235	17	26	26	NUM
easat-5250	235	18	years	year	NOUN
easat-5250	235	19	,	,	PUNCT
easat-5250	235	20	domiciled	domicile	VERB
easat-5250	235	21	in	in	ADP
easat-5250	235	22	the	the	DET
easat-5250	235	23	jabodetabek	jabodetabek	PROPN
easat-5250	235	24	area	area	NOUN
easat-5250	235	25	,	,	PUNCT
easat-5250	235	26	and	and	CCONJ
easat-5250	235	27	have	have	AUX
easat-5250	235	28	used	use	VERB
easat-5250	235	29	digital	digital	PROPN
easat-5250	235	30	bank	bank	NOUN
easat-5250	235	31	services	service	NOUN
easat-5250	235	32	for	for	ADP
easat-5250	235	33	at	at	ADV
easat-5250	235	34	least	least	ADV
easat-5250	235	35	six	six	NUM
easat-5250	235	36	months	month	NOUN
easat-5250	235	37	.	.	PUNCT
easat-5250	236	1	these	these	DET
easat-5250	236	2	criteria	criterion	NOUN
easat-5250	236	3	were	be	AUX
easat-5250	236	4	chosen	choose	VERB
easat-5250	236	5	to	to	PART
easat-5250	236	6	ensure	ensure	VERB
easat-5250	236	7	that	that	SCONJ
easat-5250	236	8	the	the	DET
easat-5250	236	9	respondents	respondent	NOUN
easat-5250	236	10	were	be	AUX
easat-5250	236	11	in	in	ADP
easat-5250	236	12	accordance	accordance	NOUN
easat-5250	236	13	with	with	ADP
easat-5250	236	14	the	the	DET
easat-5250	236	15	research	research	NOUN
easat-5250	236	16	objectives	objective	NOUN
easat-5250	236	17	,	,	PUNCT
easat-5250	236	18	namely	namely	ADV
easat-5250	236	19	examining	examine	VERB
easat-5250	236	20	perceptions	perception	NOUN
easat-5250	236	21	of	of	ADP
easat-5250	236	22	the	the	DET
easat-5250	236	23	use	use	NOUN
easat-5250	236	24	of	of	ADP
easat-5250	236	25	digital	digital	PROPN
easat-5250	236	26	bank	bank	NOUN
easat-5250	236	27	services	service	NOUN
easat-5250	236	28	and	and	CCONJ
easat-5250	236	29	their	their	PRON
easat-5250	236	30	impact	impact	NOUN
easat-5250	236	31	on	on	ADP
easat-5250	236	32	customer	customer	NOUN
easat-5250	236	33	satisfaction	satisfaction	NOUN
easat-5250	236	34	.	.	PUNCT
easat-5250	237	1	to	to	PART
easat-5250	237	2	determine	determine	VERB
easat-5250	237	3	the	the	DET
easat-5250	237	4	sample	sample	NOUN
easat-5250	237	5	size	size	NOUN
easat-5250	237	6	,	,	PUNCT
easat-5250	237	7	the	the	DET
easat-5250	237	8	slovin	slovin	NOUN
easat-5250	237	9	formula	formula	NOUN
easat-5250	237	10	was	be	AUX
easat-5250	237	11	used	use	VERB
easat-5250	237	12	with	with	ADP
easat-5250	237	13	a	a	DET
easat-5250	237	14	margin	margin	NOUN
easat-5250	237	15	of	of	ADP
easat-5250	237	16	error	error	NOUN
easat-5250	237	17	of	of	ADP
easat-5250	237	18	5	5	NUM
easat-5250	237	19	%	%	NOUN
easat-5250	237	20	.	.	PUNCT
easat-5250	238	1	slovin	slovin	PROPN
easat-5250	238	2	's	's	PART
easat-5250	238	3	method	method	NOUN
easat-5250	238	4	is	be	AUX
easat-5250	238	5	most	most	ADV
easat-5250	238	6	effective	effective	ADJ
easat-5250	238	7	when	when	SCONJ
easat-5250	238	8	the	the	DET
easat-5250	238	9	population	population	NOUN
easat-5250	238	10	proportion	proportion	NOUN
easat-5250	238	11	is	be	AUX
easat-5250	238	12	near	near	ADP
easat-5250	238	13	0.5	0.5	NUM
easat-5250	238	14	and	and	CCONJ
easat-5250	238	15	can	can	AUX
easat-5250	238	16	only	only	ADV
easat-5250	238	17	be	be	AUX
easat-5250	238	18	used	use	VERB
easat-5250	238	19	to	to	PART
easat-5250	238	20	estimate	estimate	VERB
easat-5250	238	21	population	population	NOUN
easat-5250	238	22	proportions	proportion	NOUN
easat-5250	238	23	with	with	ADP
easat-5250	238	24	a	a	DET
easat-5250	238	25	95	95	NUM
easat-5250	238	26	%	%	NOUN
easat-5250	238	27	confidence	confidence	NOUN
easat-5250	238	28	level	level	NOUN
easat-5250	238	29	.	.	PUNCT
easat-5250	239	1	resulting	result	VERB
easat-5250	239	2	in	in	ADP
easat-5250	239	3	a	a	DET
easat-5250	239	4	target	target	NOUN
easat-5250	239	5	sample	sample	NOUN
easat-5250	239	6	of	of	ADP
easat-5250	239	7	400	400	NUM
easat-5250	239	8	generation	generation	NOUN
easat-5250	239	9	z	z	NOUN
easat-5250	239	10	respondents	respondent	NOUN
easat-5250	239	11	in	in	ADP
easat-5250	239	12	the	the	DET
easat-5250	239	13	greater	great	ADJ
easat-5250	239	14	jakarta	jakarta	PROPN
easat-5250	239	15	area	area	NOUN
easat-5250	239	16	.	.	PUNCT
easat-5250	240	1	data	datum	NOUN
easat-5250	240	2	was	be	AUX
easat-5250	240	3	collected	collect	VERB
easat-5250	240	4	online	online	ADV
easat-5250	240	5	through	through	ADP
easat-5250	240	6	social	social	ADJ
easat-5250	240	7	media	medium	NOUN
easat-5250	240	8	platforms	platform	NOUN
easat-5250	240	9	and	and	CCONJ
easat-5250	240	10	online	online	ADJ
easat-5250	240	11	survey	survey	NOUN
easat-5250	240	12	platform	platform	NOUN
easat-5250	240	13	and	and	CCONJ
easat-5250	240	14	using	use	VERB
easat-5250	240	15	google	google	PROPN
easat-5250	240	16	forms	form	NOUN
easat-5250	240	17	as	as	ADP
easat-5250	240	18	a	a	DET
easat-5250	240	19	data	data	NOUN
easat-5250	240	20	collection	collection	NOUN
easat-5250	240	21	tool	tool	NOUN
easat-5250	240	22	.	.	PUNCT
easat-5250	241	1	ethical	ethical	ADJ
easat-5250	241	2	considerations	consideration	NOUN
easat-5250	241	3	were	be	AUX
easat-5250	241	4	followed	follow	VERB
easat-5250	241	5	by	by	ADP
easat-5250	241	6	ensuring	ensure	VERB
easat-5250	241	7	that	that	SCONJ
easat-5250	241	8	respondents	respondent	NOUN
easat-5250	241	9	'	'	PART
easat-5250	241	10	personal	personal	ADJ
easat-5250	241	11	information	information	NOUN
easat-5250	241	12	would	would	AUX
easat-5250	241	13	be	be	AUX
easat-5250	241	14	kept	keep	VERB
easat-5250	241	15	confidential	confidential	ADJ
easat-5250	241	16	and	and	CCONJ
easat-5250	241	17	that	that	SCONJ
easat-5250	241	18	their	their	PRON
easat-5250	241	19	participation	participation	NOUN
easat-5250	241	20	was	be	AUX
easat-5250	241	21	entirely	entirely	ADV
easat-5250	241	22	voluntary	voluntary	ADJ
easat-5250	241	23	.	.	PUNCT
easat-5250	242	1	497	497	NUM
easat-5250	242	2	edelweiss	edelweiss	PROPN
easat-5250	242	3	applied	apply	VERB
easat-5250	242	4	science	science	NOUN
easat-5250	242	5	and	and	CCONJ
easat-5250	242	6	technology	technology	NOUN
easat-5250	242	7	issn	issn	PROPN
easat-5250	242	8	:	:	PUNCT
easat-5250	242	9	2576	2576	NUM
easat-5250	242	10	-	-	SYM
easat-5250	242	11	8484	8484	NUM
easat-5250	242	12	vol	vol	NOUN
easat-5250	242	13	.	.	PROPN
easat-5250	243	1	9	9	NUM
easat-5250	243	2	,	,	PUNCT
easat-5250	243	3	no	no	INTJ
easat-5250	243	4	.	.	NOUN
easat-5250	244	1	3	3	NUM
easat-5250	244	2	:	:	PUNCT
easat-5250	244	3	489	489	NUM
easat-5250	244	4	-	-	SYM
easat-5250	244	5	510	510	NUM
easat-5250	244	6	,	,	PUNCT
easat-5250	244	7	2025	2025	NUM
easat-5250	244	8	doi	doi	NOUN
easat-5250	244	9	:	:	PUNCT
easat-5250	244	10	10.55214/25768484.v9i3.5250	10.55214/25768484.v9i3.5250	NUM
easat-5250	244	11	©	©	PROPN
easat-5250	244	12	2025	2025	NUM
easat-5250	244	13	by	by	ADP
easat-5250	244	14	the	the	DET
easat-5250	244	15	authors	author	NOUN
easat-5250	244	16	;	;	PUNCT
easat-5250	244	17	licensee	licensee	PROPN
easat-5250	244	18	learning	learn	VERB
easat-5250	244	19	gate	gate	NOUN
easat-5250	244	20	table	table	NOUN
easat-5250	244	21	2	2	NUM
easat-5250	244	22	.	.	PUNCT
easat-5250	245	1	characteristics	characteristic	NOUN
easat-5250	245	2	of	of	ADP
easat-5250	245	3	respondents	respondent	NOUN
easat-5250	245	4	.	.	PUNCT
easat-5250	246	1	demographic	demographic	ADJ
easat-5250	246	2	variable	variable	ADJ
easat-5250	246	3	category	category	NOUN
easat-5250	246	4	frequency	frequency	NOUN
easat-5250	246	5	percent	percent	NOUN
easat-5250	246	6	(	(	PUNCT
easat-5250	246	7	%	%	NOUN
easat-5250	246	8	)	)	PUNCT
easat-5250	246	9	gender	gender	NOUN
easat-5250	246	10	male	male	NOUN
easat-5250	246	11	126	126	NUM
easat-5250	246	12	31,5	31,5	NUM
easat-5250	246	13	female	female	ADJ
easat-5250	246	14	274	274	NUM
easat-5250	246	15	68,5	68,5	NUM
easat-5250	246	16	age	age	NOUN
easat-5250	246	17	17	17	NUM
easat-5250	246	18	–	–	PUNCT
easat-5250	246	19	20	20	NUM
easat-5250	246	20	years	year	NOUN
easat-5250	246	21	88	88	NUM
easat-5250	246	22	22	22	NUM
easat-5250	246	23	21	21	NUM
easat-5250	246	24	–	–	PUNCT
easat-5250	246	25	23	23	NUM
easat-5250	246	26	years	year	NOUN
easat-5250	246	27	182	182	NUM
easat-5250	246	28	45,5	45,5	NUM
easat-5250	246	29	24	24	NUM
easat-5250	246	30	–	–	SYM
easat-5250	246	31	26	26	NUM
easat-5250	246	32	years	year	NOUN
easat-5250	246	33	130	130	NUM
easat-5250	246	34	32,5	32,5	NUM
easat-5250	246	35	occupation	occupation	NOUN
easat-5250	246	36	highschool	highschool	NOUN
easat-5250	246	37	student	student	NOUN
easat-5250	246	38	23	23	NUM
easat-5250	246	39	5,75	5,75	PROPN
easat-5250	246	40	university	university	NOUN
easat-5250	246	41	student	student	NOUN
easat-5250	246	42	138	138	NUM
easat-5250	246	43	34,5	34,5	NUM
easat-5250	246	44	private	private	ADJ
easat-5250	246	45	employee	employee	NOUN
easat-5250	246	46	122	122	NUM
easat-5250	246	47	30,5	30,5	NUM
easat-5250	246	48	civil	civil	ADJ
easat-5250	246	49	servants	servant	NOUN
easat-5250	246	50	52	52	NUM
easat-5250	246	51	13	13	NUM
easat-5250	246	52	entrepeneurs	entrepeneur	NOUN
easat-5250	246	53	22	22	NUM
easat-5250	246	54	5,5	5,5	NUM
easat-5250	246	55	freelancer	freelancer	NOUN
easat-5250	246	56	43	43	NUM
easat-5250	246	57	10,75	10,75	NUM
easat-5250	246	58	education	education	NOUN
easat-5250	246	59	highschool	highschool	NOUN
easat-5250	246	60	171	171	NUM
easat-5250	246	61	42,75	42,75	NOUN
easat-5250	246	62	diploma	diploma	NOUN
easat-5250	246	63	53	53	NUM
easat-5250	246	64	13,25	13,25	NUM
easat-5250	246	65	bachelor	bachelor	NOUN
easat-5250	246	66	degree	degree	NOUN
easat-5250	246	67	170	170	NUM
easat-5250	246	68	42,5	42,5	PROPN
easat-5250	246	69	master	master	NOUN
easat-5250	246	70	degree	degree	NOUN
easat-5250	246	71	6	6	NUM
easat-5250	246	72	1,5	1,5	NUM
easat-5250	246	73	domicile	domicile	NOUN
easat-5250	246	74	jakarta	jakarta	PROPN
easat-5250	246	75	112	112	NUM
easat-5250	246	76	28	28	NUM
easat-5250	246	77	bogor	bogor	NOUN
easat-5250	246	78	85	85	NUM
easat-5250	246	79	21,25	21,25	NUM
easat-5250	246	80	depok	depok	PROPN
easat-5250	246	81	78	78	NUM
easat-5250	246	82	19,5	19,5	NUM
easat-5250	246	83	tangerang	tangerang	NUM
easat-5250	246	84	74	74	NUM
easat-5250	246	85	18,5	18,5	NUM
easat-5250	246	86	bekasi	bekasi	PROPN
easat-5250	246	87	51	51	NUM
easat-5250	246	88	12,75	12,75	NUM
easat-5250	246	89	which	which	PRON
easat-5250	246	90	digital	digital	ADJ
easat-5250	246	91	bank	bank	NOUN
easat-5250	246	92	apps	app	NOUN
easat-5250	246	93	do	do	AUX
easat-5250	246	94	you	you	PRON
easat-5250	246	95	use	use	VERB
easat-5250	246	96	?	?	PUNCT
easat-5250	247	1	seabank	seabank	ADJ
easat-5250	247	2	159	159	NUM
easat-5250	247	3	39,75	39,75	NUM
easat-5250	247	4	bank	bank	NOUN
easat-5250	247	5	jago	jago	PROPN
easat-5250	247	6	83	83	NUM
easat-5250	247	7	20,75	20,75	NUM
easat-5250	247	8	blu	blu	NOUN
easat-5250	247	9	by	by	ADP
easat-5250	247	10	bca	bca	PROPN
easat-5250	247	11	153	153	NUM
easat-5250	247	12	38,25	38,25	NUM
easat-5250	247	13	neobank	neobank	NOUN
easat-5250	247	14	by	by	ADP
easat-5250	247	15	bnc	bnc	PROPN
easat-5250	247	16	digital	digital	PROPN
easat-5250	247	17	103	103	NUM
easat-5250	247	18	25,75	25,75	NUM
easat-5250	247	19	jenius	jenius	NOUN
easat-5250	247	20	64	64	NUM
easat-5250	247	21	16	16	NUM
easat-5250	247	22	line	line	NOUN
easat-5250	247	23	bank	bank	NOUN
easat-5250	247	24	70	70	NUM
easat-5250	247	25	17,5	17,5	NUM
easat-5250	247	26	digibank	digibank	NOUN
easat-5250	247	27	by	by	ADP
easat-5250	247	28	dbs	dbs	PROPN
easat-5250	247	29	25	25	NUM
easat-5250	247	30	6,25	6,25	NUM
easat-5250	247	31	allo	allo	PROPN
easat-5250	247	32	bank	bank	PROPN
easat-5250	247	33	13	13	NUM
easat-5250	247	34	3,25	3,25	NUM
easat-5250	247	35	use	use	NOUN
easat-5250	247	36	of	of	ADP
easat-5250	247	37	digital	digital	PROPN
easat-5250	247	38	bank	bank	PROPN
easat-5250	247	39	features	feature	VERB
easat-5250	247	40	funds	fund	NOUN
easat-5250	247	41	transfer	transfer	VERB
easat-5250	247	42	274	274	NUM
easat-5250	247	43	68,5	68,5	NUM
easat-5250	247	44	payment	payment	NOUN
easat-5250	247	45	of	of	ADP
easat-5250	247	46	credit	credit	NOUN
easat-5250	247	47	card	card	NOUN
easat-5250	247	48	bills	bill	NOUN
easat-5250	247	49	,	,	PUNCT
easat-5250	247	50	internet	internet	NOUN
easat-5250	247	51	,	,	PUNCT
easat-5250	247	52	telephone	telephone	NOUN
easat-5250	247	53	,	,	PUNCT
easat-5250	247	54	electricity	electricity	NOUN
easat-5250	247	55	,	,	PUNCT
easat-5250	247	56	etc	etc	X
easat-5250	247	57	.	.	X
easat-5250	247	58	198	198	NUM
easat-5250	247	59	49,5	49,5	NUM
easat-5250	247	60	recording	record	VERB
easat-5250	247	61	financial	financial	ADJ
easat-5250	247	62	details	detail	NOUN
easat-5250	247	63	(	(	PUNCT
easat-5250	247	64	mutation	mutation	NOUN
easat-5250	247	65	,	,	PUNCT
easat-5250	247	66	history	history	NOUN
easat-5250	247	67	,	,	PUNCT
easat-5250	247	68	account	account	NOUN
easat-5250	247	69	)	)	PUNCT
easat-5250	247	70	156	156	NUM
easat-5250	247	71	39	39	NUM
easat-5250	247	72	financial	financial	ADJ
easat-5250	247	73	management	management	NOUN
easat-5250	247	74	features	feature	NOUN
easat-5250	247	75	based	base	VERB
easat-5250	247	76	on	on	ADP
easat-5250	247	77	needs	need	NOUN
easat-5250	247	78	110	110	NUM
easat-5250	247	79	27,5	27,5	NUM
easat-5250	247	80	investment	investment	NOUN
easat-5250	247	81	78	78	NUM
easat-5250	247	82	19,5	19,5	NUM
easat-5250	247	83	deposit	deposit	NOUN
easat-5250	247	84	53	53	NUM
easat-5250	247	85	13,25	13,25	NUM
easat-5250	247	86	paylater	paylater	NOUN
easat-5250	247	87	32	32	NUM
easat-5250	247	88	8	8	NUM
easat-5250	247	89	reasons	reason	NOUN
easat-5250	247	90	for	for	ADP
easat-5250	247	91	using	use	VERB
easat-5250	247	92	digital	digital	ADJ
easat-5250	247	93	banking	banking	NOUN
easat-5250	247	94	fast	fast	ADJ
easat-5250	247	95	and	and	CCONJ
easat-5250	247	96	easy	easy	ADJ
easat-5250	247	97	fund	fund	NOUN
easat-5250	247	98	transfer	transfer	NOUN
easat-5250	247	99	254	254	NUM
easat-5250	247	100	63,5	63,5	NUM
easat-5250	247	101	accessible	accessible	ADJ
easat-5250	247	102	transactions	transaction	NOUN
easat-5250	247	103	240	240	NUM
easat-5250	247	104	60	60	NUM
easat-5250	247	105	integration	integration	NOUN
easat-5250	247	106	with	with	ADP
easat-5250	247	107	e	e	NOUN
easat-5250	247	108	-	-	NOUN
easat-5250	247	109	wallets	wallet	NOUN
easat-5250	247	110	and	and	CCONJ
easat-5250	247	111	other	other	ADJ
easat-5250	247	112	payment	payment	NOUN
easat-5250	247	113	services	service	NOUN
easat-5250	247	114	133	133	NUM
easat-5250	247	115	33,25	33,25	NUM
easat-5250	247	116	convenient	convenient	ADJ
easat-5250	247	117	account	account	NOUN
easat-5250	247	118	registration	registration	NOUN
easat-5250	247	119	153	153	NUM
easat-5250	247	120	38,25	38,25	NUM
easat-5250	247	121	cost	cost	NOUN
easat-5250	247	122	-	-	PUNCT
easat-5250	247	123	effective	effective	ADJ
easat-5250	247	124	transaction	transaction	NOUN
easat-5250	247	125	and	and	CCONJ
easat-5250	247	126	administrative	administrative	ADJ
easat-5250	247	127	fees	fee	NOUN
easat-5250	247	128	164	164	NUM
easat-5250	247	129	41	41	NUM
easat-5250	247	130	loyalty	loyalty	NOUN
easat-5250	247	131	or	or	CCONJ
easat-5250	247	132	incentive	incentive	NOUN
easat-5250	247	133	programs	program	NOUN
easat-5250	247	134	73	73	NUM
easat-5250	247	135	18,25	18,25	NUM
easat-5250	247	136	numerous	numerous	ADJ
easat-5250	247	137	promos	promos	NOUN
easat-5250	247	138	are	be	AUX
easat-5250	247	139	unavailable	unavailable	ADJ
easat-5250	247	140	with	with	ADP
easat-5250	247	141	mobile	mobile	ADJ
easat-5250	247	142	banking	banking	NOUN
easat-5250	247	143	.	.	PUNCT
easat-5250	248	1	72	72	NUM
easat-5250	248	2	18	18	NUM
easat-5250	248	3	investment	investment	NOUN
easat-5250	248	4	and	and	CCONJ
easat-5250	248	5	financial	financial	ADJ
easat-5250	248	6	management	management	NOUN
easat-5250	248	7	functionalities	functionalitie	VERB
easat-5250	248	8	41	41	NUM
easat-5250	248	9	10,25	10,25	NUM
easat-5250	248	10	income	income	NOUN
easat-5250	248	11	or	or	CCONJ
easat-5250	248	12	allowance	allowance	NOUN
easat-5250	248	13	per	per	ADP
easat-5250	248	14	month	month	NOUN
easat-5250	248	15	(	(	PUNCT
easat-5250	248	16	idr	idr	PROPN
easat-5250	248	17	)	)	PUNCT
easat-5250	248	18	<	<	X
easat-5250	248	19	under	under	ADP
easat-5250	248	20	idr1,000,000	idr1,000,000	PROPN
easat-5250	248	21	46	46	NUM
easat-5250	248	22	11,5	11,5	NUM
easat-5250	248	23	rp1,000,000	rp1,000,000	NOUN
easat-5250	248	24	rp3,000,000	rp3,000,000	VERB
easat-5250	248	25	1	1	NUM
easat-5250	248	26	0,25	0,25	NUM
easat-5250	248	27	rp3,000,001	rp3,000,001	NOUN
easat-5250	248	28	rp5,000,000	rp5,000,000	NOUN
easat-5250	248	29	135	135	NUM
easat-5250	248	30	33,75	33,75	NUM
easat-5250	248	31	rp5,000,001	rp5,000,001	NOUN
easat-5250	248	32	rp10,000,000	rp10,000,000	NOUN
easat-5250	248	33	13	13	NUM
easat-5250	248	34	3,25	3,25	NUM
easat-5250	248	35	rp10,000,001	rp10,000,001	NOUN
easat-5250	248	36	rp20,000,000	rp20,000,000	NOUN
easat-5250	248	37	2	2	NUM
easat-5250	248	38	0,5	0,5	NUM
easat-5250	248	39	rp20,000,001	rp20,000,001	NOUN
easat-5250	248	40	rp30,000,000	rp30,000,000	NOUN
easat-5250	248	41	147	147	NUM
easat-5250	248	42	36,75	36,75	NOUN
easat-5250	248	43	rp30,000,001	rp30,000,001	NOUN
easat-5250	248	44	rp50,000,000	rp50,000,000	NOUN
easat-5250	248	45	56	56	NUM
easat-5250	248	46	14	14	NUM
easat-5250	248	47	>	>	PUNCT
easat-5250	248	48	above	above	ADP
easat-5250	248	49	rp50,000,000	rp50,000,000	PROPN
easat-5250	248	50	0	0	NUM
easat-5250	248	51	0	0	NUM
easat-5250	248	52	498	498	NUM
easat-5250	248	53	edelweiss	edelweiss	PROPN
easat-5250	248	54	applied	apply	VERB
easat-5250	248	55	science	science	NOUN
easat-5250	248	56	and	and	CCONJ
easat-5250	248	57	technology	technology	NOUN
easat-5250	248	58	issn	issn	PROPN
easat-5250	248	59	:	:	PUNCT
easat-5250	248	60	2576	2576	NUM
easat-5250	248	61	-	-	SYM
easat-5250	248	62	8484	8484	NUM
easat-5250	248	63	vol	vol	NOUN
easat-5250	248	64	.	.	PROPN
easat-5250	249	1	9	9	NUM
easat-5250	249	2	,	,	PUNCT
easat-5250	249	3	no	no	INTJ
easat-5250	249	4	.	.	NOUN
easat-5250	250	1	3	3	NUM
easat-5250	250	2	:	:	PUNCT
easat-5250	250	3	489	489	NUM
easat-5250	250	4	-	-	SYM
easat-5250	250	5	510	510	NUM
easat-5250	250	6	,	,	PUNCT
easat-5250	250	7	2025	2025	NUM
easat-5250	250	8	doi	doi	NOUN
easat-5250	250	9	:	:	PUNCT
easat-5250	250	10	10.55214/25768484.v9i3.5250	10.55214/25768484.v9i3.5250	NUM
easat-5250	250	11	©	©	PROPN
easat-5250	250	12	2025	2025	NUM
easat-5250	250	13	by	by	ADP
easat-5250	250	14	the	the	DET
easat-5250	250	15	authors	author	NOUN
easat-5250	250	16	;	;	PUNCT
easat-5250	250	17	licensee	licensee	NOUN
easat-5250	250	18	learning	learn	VERB
easat-5250	250	19	gate	gate	PROPN
easat-5250	250	20	length	length	NOUN
easat-5250	250	21	of	of	ADP
easat-5250	250	22	use	use	NOUN
easat-5250	250	23	of	of	ADP
easat-5250	250	24	digitial	digitial	ADJ
easat-5250	250	25	bank	bank	NOUN
easat-5250	250	26	6	6	NUM
easat-5250	250	27	11	11	NUM
easat-5250	250	28	months	month	NOUN
easat-5250	250	29	30	30	NUM
easat-5250	250	30	7,5	7,5	NUM
easat-5250	250	31	1	1	NUM
easat-5250	250	32	2	2	NUM
easat-5250	250	33	years	year	NOUN
easat-5250	250	34	203	203	NUM
easat-5250	250	35	50,75	50,75	NOUN
easat-5250	250	36	3	3	NUM
easat-5250	250	37	4	4	NUM
easat-5250	250	38	years	year	NOUN
easat-5250	250	39	81	81	NUM
easat-5250	250	40	20,25	20,25	NUM
easat-5250	250	41	>	>	SYM
easat-5250	250	42	4	4	NUM
easat-5250	250	43	years	year	NOUN
easat-5250	250	44	86	86	NUM
easat-5250	250	45	21,5	21,5	NUM
easat-5250	250	46	length	length	NOUN
easat-5250	250	47	of	of	ADP
easat-5250	250	48	use	use	NOUN
easat-5250	250	49	of	of	ADP
easat-5250	250	50	digitial	digitial	ADJ
easat-5250	250	51	bank	bank	NOUN
easat-5250	251	1	30	30	NUM
easat-5250	251	2	7,5	7,5	NUM
easat-5250	251	3	6	6	NUM
easat-5250	251	4	11	11	NUM
easat-5250	251	5	months	month	NOUN
easat-5250	251	6	203	203	NUM
easat-5250	251	7	50,75	50,75	NOUN
easat-5250	251	8	1	1	NUM
easat-5250	251	9	2	2	NUM
easat-5250	251	10	years	year	NOUN
easat-5250	251	11	81	81	NUM
easat-5250	251	12	20,25	20,25	NUM
easat-5250	251	13	frequency	frequency	NOUN
easat-5250	251	14	of	of	ADP
easat-5250	251	15	use	use	NOUN
easat-5250	251	16	of	of	ADP
easat-5250	251	17	digital	digital	PROPN
easat-5250	251	18	bank	bank	PROPN
easat-5250	251	19	services	service	NOUN
easat-5250	251	20	daily	daily	ADV
easat-5250	251	21	62	62	NUM
easat-5250	251	22	15,5	15,5	NUM
easat-5250	251	23	4	4	NUM
easat-5250	251	24	5	5	NUM
easat-5250	251	25	times	time	NOUN
easat-5250	251	26	per	per	ADP
easat-5250	251	27	week	week	NOUN
easat-5250	251	28	57	57	NUM
easat-5250	251	29	14,25	14,25	NUM
easat-5250	251	30	2	2	NUM
easat-5250	251	31	3	3	NUM
easat-5250	251	32	times	time	NOUN
easat-5250	251	33	per	per	ADP
easat-5250	251	34	week	week	NOUN
easat-5250	251	35	131	131	NUM
easat-5250	251	36	32,75	32,75	NUM
easat-5250	251	37	1	1	NUM
easat-5250	251	38	time	time	NOUN
easat-5250	251	39	per	per	ADP
easat-5250	251	40	week	week	NOUN
easat-5250	251	41	93	93	NUM
easat-5250	251	42	23,25	23,25	NUM
easat-5250	251	43	1	1	NUM
easat-5250	251	44	2	2	NUM
easat-5250	251	45	times	time	NOUN
easat-5250	251	46	per	per	ADP
easat-5250	251	47	month	month	NOUN
easat-5250	251	48	57	57	NUM
easat-5250	251	49	14,25	14,25	NUM
easat-5250	251	50	the	the	DET
easat-5250	251	51	demographic	demographic	ADJ
easat-5250	251	52	distribution	distribution	NOUN
easat-5250	251	53	,	,	PUNCT
easat-5250	251	54	as	as	SCONJ
easat-5250	251	55	outlined	outline	VERB
easat-5250	251	56	in	in	ADP
easat-5250	251	57	table	table	NOUN
easat-5250	251	58	2	2	NUM
easat-5250	251	59	indicates	indicate	VERB
easat-5250	251	60	that	that	SCONJ
easat-5250	251	61	the	the	DET
easat-5250	251	62	gender	gender	NOUN
easat-5250	251	63	distribution	distribution	NOUN
easat-5250	251	64	comprises	comprise	VERB
easat-5250	251	65	31.5	31.5	NUM
easat-5250	251	66	%	%	NOUN
easat-5250	251	67	male	male	NOUN
easat-5250	251	68	and	and	CCONJ
easat-5250	251	69	68.5	68.5	NUM
easat-5250	251	70	%	%	NOUN
easat-5250	251	71	female	female	NOUN
easat-5250	251	72	.	.	PUNCT
easat-5250	252	1	age	age	NOUN
easat-5250	252	2	is	be	AUX
easat-5250	252	3	categorized	categorize	VERB
easat-5250	252	4	into	into	ADP
easat-5250	252	5	three	three	NUM
easat-5250	252	6	groups	group	NOUN
easat-5250	252	7	:	:	PUNCT
easat-5250	252	8	17	17	NUM
easat-5250	252	9	-	-	SYM
easat-5250	252	10	20	20	NUM
easat-5250	252	11	years	year	NOUN
easat-5250	252	12	,	,	PUNCT
easat-5250	252	13	comprising	comprise	VERB
easat-5250	252	14	22	22	NUM
easat-5250	252	15	%	%	NOUN
easat-5250	252	16	;	;	PUNCT
easat-5250	252	17	21	21	NUM
easat-5250	252	18	-	-	SYM
easat-5250	252	19	23	23	NUM
easat-5250	252	20	years	year	NOUN
easat-5250	252	21	,	,	PUNCT
easat-5250	252	22	including	include	VERB
easat-5250	252	23	45.5	45.5	NUM
easat-5250	252	24	%	%	NOUN
easat-5250	252	25	;	;	PUNCT
easat-5250	252	26	and	and	CCONJ
easat-5250	252	27	24	24	NUM
easat-5250	252	28	-	-	SYM
easat-5250	252	29	26	26	NUM
easat-5250	252	30	years	year	NOUN
easat-5250	252	31	,	,	PUNCT
easat-5250	252	32	comprising	comprise	VERB
easat-5250	252	33	32.5	32.5	NUM
easat-5250	252	34	%	%	NOUN
easat-5250	252	35	.	.	PUNCT
easat-5250	253	1	occupational	occupational	ADJ
easat-5250	253	2	distribution	distribution	NOUN
easat-5250	253	3	includes	include	VERB
easat-5250	253	4	5.75	5.75	NUM
easat-5250	253	5	%	%	NOUN
easat-5250	253	6	high	high	ADJ
easat-5250	253	7	school	school	NOUN
easat-5250	253	8	students	student	NOUN
easat-5250	253	9	,	,	PUNCT
easat-5250	253	10	34.5	34.5	NUM
easat-5250	253	11	%	%	NOUN
easat-5250	253	12	university	university	NOUN
easat-5250	253	13	students	student	NOUN
easat-5250	253	14	,	,	PUNCT
easat-5250	253	15	30.5	30.5	NUM
easat-5250	253	16	%	%	NOUN
easat-5250	253	17	private	private	ADJ
easat-5250	253	18	employees	employee	NOUN
easat-5250	253	19	,	,	PUNCT
easat-5250	253	20	13	13	NUM
easat-5250	253	21	%	%	NOUN
easat-5250	253	22	civil	civil	ADJ
easat-5250	253	23	servants	servant	NOUN
easat-5250	253	24	,	,	PUNCT
easat-5250	253	25	5.5	5.5	NUM
easat-5250	253	26	%	%	NOUN
easat-5250	253	27	entrepreneurs	entrepreneur	NOUN
easat-5250	253	28	,	,	PUNCT
easat-5250	253	29	and	and	CCONJ
easat-5250	253	30	10.75	10.75	NUM
easat-5250	253	31	%	%	NOUN
easat-5250	253	32	freelancers	freelancer	NOUN
easat-5250	253	33	.	.	PUNCT
easat-5250	254	1	within	within	ADP
easat-5250	254	2	the	the	DET
easat-5250	254	3	education	education	NOUN
easat-5250	254	4	category	category	NOUN
easat-5250	254	5	,	,	PUNCT
easat-5250	254	6	42.75	42.75	NUM
easat-5250	254	7	%	%	NOUN
easat-5250	254	8	possess	possess	VERB
easat-5250	254	9	a	a	DET
easat-5250	254	10	high	high	ADJ
easat-5250	254	11	school	school	NOUN
easat-5250	254	12	education	education	NOUN
easat-5250	254	13	,	,	PUNCT
easat-5250	254	14	13.25	13.25	NUM
easat-5250	254	15	%	%	NOUN
easat-5250	254	16	hold	hold	VERB
easat-5250	254	17	a	a	DET
easat-5250	254	18	diploma	diploma	NOUN
easat-5250	254	19	,	,	PUNCT
easat-5250	254	20	42.5	42.5	NUM
easat-5250	254	21	%	%	NOUN
easat-5250	254	22	have	have	AUX
easat-5250	254	23	obtained	obtain	VERB
easat-5250	254	24	a	a	DET
easat-5250	254	25	bachelor	bachelor	NOUN
easat-5250	254	26	's	's	PART
easat-5250	254	27	degree	degree	NOUN
easat-5250	254	28	,	,	PUNCT
easat-5250	254	29	and	and	CCONJ
easat-5250	254	30	1.5	1.5	NUM
easat-5250	254	31	%	%	NOUN
easat-5250	254	32	possess	possess	VERB
easat-5250	254	33	a	a	DET
easat-5250	254	34	master	master	NOUN
easat-5250	254	35	's	's	PART
easat-5250	254	36	degree	degree	NOUN
easat-5250	254	37	.	.	PUNCT
easat-5250	255	1	all	all	DET
easat-5250	255	2	participants	participant	NOUN
easat-5250	255	3	are	be	AUX
easat-5250	255	4	domiciled	domicile	VERB
easat-5250	255	5	in	in	ADP
easat-5250	255	6	the	the	DET
easat-5250	255	7	jabodetabek	jabodetabek	PROPN
easat-5250	255	8	area	area	NOUN
easat-5250	255	9	,	,	PUNCT
easat-5250	255	10	comprising	comprise	VERB
easat-5250	255	11	28	28	NUM
easat-5250	255	12	%	%	NOUN
easat-5250	255	13	from	from	ADP
easat-5250	255	14	jakarta	jakarta	PROPN
easat-5250	255	15	,	,	PUNCT
easat-5250	255	16	21.25	21.25	NUM
easat-5250	255	17	%	%	NOUN
easat-5250	255	18	from	from	ADP
easat-5250	255	19	bogor	bogor	NOUN
easat-5250	255	20	,	,	PUNCT
easat-5250	255	21	19.5	19.5	NUM
easat-5250	255	22	%	%	NOUN
easat-5250	255	23	from	from	ADP
easat-5250	255	24	depok	depok	PROPN
easat-5250	255	25	,	,	PUNCT
easat-5250	255	26	18.5	18.5	NUM
easat-5250	255	27	%	%	NOUN
easat-5250	255	28	from	from	ADP
easat-5250	255	29	tangerang	tangerang	PROPN
easat-5250	255	30	,	,	PUNCT
easat-5250	255	31	and	and	CCONJ
easat-5250	255	32	12,75	12,75	NUM
easat-5250	255	33	%	%	NOUN
easat-5250	255	34	from	from	ADP
easat-5250	255	35	bekasi	bekasi	PROPN
easat-5250	255	36	.	.	PUNCT
easat-5250	256	1	within	within	ADP
easat-5250	256	2	the	the	DET
easat-5250	256	3	realm	realm	NOUN
easat-5250	256	4	of	of	ADP
easat-5250	256	5	digital	digital	ADJ
easat-5250	256	6	banking	banking	NOUN
easat-5250	256	7	applications	application	NOUN
easat-5250	256	8	,	,	PUNCT
easat-5250	256	9	seabank	seabank	NOUN
easat-5250	256	10	emerged	emerge	VERB
easat-5250	256	11	as	as	ADP
easat-5250	256	12	the	the	DET
easat-5250	256	13	favored	favor	VERB
easat-5250	256	14	choice	choice	NOUN
easat-5250	256	15	among	among	ADP
easat-5250	256	16	participants	participant	NOUN
easat-5250	256	17	,	,	PUNCT
easat-5250	256	18	succeeded	succeed	VERB
easat-5250	256	19	by	by	ADP
easat-5250	256	20	blu	blu	NOUN
easat-5250	256	21	from	from	ADP
easat-5250	256	22	bca	bca	PROPN
easat-5250	256	23	and	and	CCONJ
easat-5250	256	24	neobank	neobank	PROPN
easat-5250	256	25	from	from	ADP
easat-5250	256	26	bnc	bnc	PROPN
easat-5250	256	27	digital	digital	PROPN
easat-5250	256	28	.	.	PUNCT
easat-5250	257	1	other	other	ADJ
easat-5250	257	2	notable	notable	ADJ
easat-5250	257	3	applications	application	NOUN
easat-5250	257	4	are	be	AUX
easat-5250	257	5	bank	bank	PROPN
easat-5250	257	6	jago	jago	PROPN
easat-5250	257	7	and	and	CCONJ
easat-5250	257	8	jenius	jenius	PROPN
easat-5250	257	9	.	.	PUNCT
easat-5250	258	1	in	in	ADP
easat-5250	258	2	digital	digital	ADJ
easat-5250	258	3	banking	banking	NOUN
easat-5250	258	4	,	,	PUNCT
easat-5250	258	5	the	the	DET
easat-5250	258	6	predominant	predominant	ADJ
easat-5250	258	7	function	function	NOUN
easat-5250	258	8	is	be	AUX
easat-5250	258	9	money	money	NOUN
easat-5250	258	10	transmission	transmission	NOUN
easat-5250	258	11	,	,	PUNCT
easat-5250	258	12	succeeded	succeed	VERB
easat-5250	258	13	by	by	ADP
easat-5250	258	14	bill	bill	NOUN
easat-5250	258	15	payment	payment	NOUN
easat-5250	258	16	,	,	PUNCT
easat-5250	258	17	financial	financial	ADJ
easat-5250	258	18	record	record	NOUN
easat-5250	258	19	-	-	PUNCT
easat-5250	258	20	keeping	keeping	NOUN
easat-5250	258	21	,	,	PUNCT
easat-5250	258	22	and	and	CCONJ
easat-5250	258	23	financial	financial	ADJ
easat-5250	258	24	management	management	NOUN
easat-5250	258	25	.	.	PUNCT
easat-5250	259	1	the	the	DET
easat-5250	259	2	main	main	ADJ
easat-5250	259	3	reasons	reason	NOUN
easat-5250	259	4	for	for	ADP
easat-5250	259	5	using	use	VERB
easat-5250	259	6	these	these	DET
easat-5250	259	7	services	service	NOUN
easat-5250	259	8	are	be	AUX
easat-5250	259	9	the	the	DET
easat-5250	259	10	speed	speed	NOUN
easat-5250	259	11	and	and	CCONJ
easat-5250	259	12	ease	ease	NOUN
easat-5250	259	13	of	of	ADP
easat-5250	259	14	fund	fund	NOUN
easat-5250	259	15	transfers	transfer	NOUN
easat-5250	259	16	,	,	PUNCT
easat-5250	259	17	the	the	DET
easat-5250	259	18	convenience	convenience	NOUN
easat-5250	259	19	of	of	ADP
easat-5250	259	20	mobile	mobile	ADJ
easat-5250	259	21	transactions	transaction	NOUN
easat-5250	259	22	,	,	PUNCT
easat-5250	259	23	compatibility	compatibility	NOUN
easat-5250	259	24	with	with	ADP
easat-5250	259	25	e	e	NOUN
easat-5250	259	26	-	-	NOUN
easat-5250	259	27	wallets	wallet	NOUN
easat-5250	259	28	,	,	PUNCT
easat-5250	259	29	and	and	CCONJ
easat-5250	259	30	lower	low	ADJ
easat-5250	259	31	transaction	transaction	NOUN
easat-5250	259	32	fees	fee	NOUN
easat-5250	259	33	.	.	PUNCT
easat-5250	260	1	5.2	5.2	NUM
easat-5250	260	2	.	.	PUNCT
easat-5250	261	1	descriptive	descriptive	ADJ
easat-5250	261	2	analysis	analysis	NOUN
easat-5250	261	3	the	the	DET
easat-5250	261	4	mean	mean	ADJ
easat-5250	261	5	values	value	NOUN
easat-5250	261	6	for	for	ADP
easat-5250	261	7	the	the	DET
easat-5250	261	8	descriptive	descriptive	ADJ
easat-5250	261	9	statistics	statistic	NOUN
easat-5250	261	10	of	of	ADP
easat-5250	261	11	the	the	DET
easat-5250	261	12	numerous	numerous	ADJ
easat-5250	261	13	variables	variable	NOUN
easat-5250	261	14	analyzed	analyze	VERB
easat-5250	261	15	in	in	ADP
easat-5250	261	16	this	this	DET
easat-5250	261	17	study	study	NOUN
easat-5250	261	18	are	be	AUX
easat-5250	261	19	presented	present	VERB
easat-5250	261	20	in	in	ADP
easat-5250	261	21	table	table	NOUN
easat-5250	261	22	3	3	NUM
easat-5250	261	23	.	.	PUNCT
easat-5250	261	24	efficiency	efficiency	NOUN
easat-5250	261	25	has	have	VERB
easat-5250	261	26	the	the	DET
easat-5250	261	27	highest	high	ADJ
easat-5250	261	28	mean	mean	ADJ
easat-5250	261	29	value	value	NOUN
easat-5250	261	30	at	at	ADP
easat-5250	261	31	4.378	4.378	NUM
easat-5250	261	32	.	.	PUNCT
easat-5250	262	1	indicator	indicator	PROPN
easat-5250	262	2	eff1	eff1	PROPN
easat-5250	262	3	(	(	PUNCT
easat-5250	262	4	my	my	PRON
easat-5250	262	5	digital	digital	ADJ
easat-5250	262	6	banking	banking	NOUN
easat-5250	262	7	service	service	NOUN
easat-5250	262	8	platform	platform	NOUN
easat-5250	262	9	allows	allow	VERB
easat-5250	262	10	me	i	PRON
easat-5250	262	11	to	to	PART
easat-5250	262	12	make	make	VERB
easat-5250	262	13	transactions	transaction	NOUN
easat-5250	262	14	efficiently	efficiently	ADV
easat-5250	262	15	)	)	PUNCT
easat-5250	262	16	showed	show	VERB
easat-5250	262	17	the	the	DET
easat-5250	262	18	highest	high	ADJ
easat-5250	262	19	score	score	NOUN
easat-5250	262	20	,	,	PUNCT
easat-5250	262	21	highlighting	highlight	VERB
easat-5250	262	22	that	that	DET
easat-5250	262	23	generation	generation	NOUN
easat-5250	262	24	z	z	NOUN
easat-5250	262	25	highly	highly	ADV
easat-5250	262	26	values	value	VERB
easat-5250	262	27	transaction	transaction	NOUN
easat-5250	262	28	speed	speed	NOUN
easat-5250	262	29	and	and	CCONJ
easat-5250	262	30	ease	ease	NOUN
easat-5250	262	31	of	of	ADP
easat-5250	262	32	access	access	NOUN
easat-5250	262	33	in	in	ADP
easat-5250	262	34	digital	digital	ADJ
easat-5250	262	35	banking	banking	NOUN
easat-5250	262	36	services	service	NOUN
easat-5250	262	37	.	.	PUNCT
easat-5250	263	1	this	this	DET
easat-5250	263	2	finding	finding	NOUN
easat-5250	263	3	indicates	indicate	VERB
easat-5250	263	4	that	that	SCONJ
easat-5250	263	5	younger	young	ADJ
easat-5250	263	6	generations	generation	NOUN
easat-5250	263	7	prioritize	prioritize	VERB
easat-5250	263	8	speed	speed	NOUN
easat-5250	263	9	and	and	CCONJ
easat-5250	263	10	efficiency	efficiency	NOUN
easat-5250	263	11	in	in	ADP
easat-5250	263	12	technologies	technology	NOUN
easat-5250	263	13	,	,	PUNCT
easat-5250	263	14	as	as	SCONJ
easat-5250	263	15	literature	literature	NOUN
easat-5250	263	16	suggests	suggest	VERB
easat-5250	263	17	that	that	SCONJ
easat-5250	263	18	efficiency	efficiency	NOUN
easat-5250	263	19	directly	directly	ADV
easat-5250	263	20	impacts	impact	VERB
easat-5250	263	21	user	user	NOUN
easat-5250	263	22	satisfaction	satisfaction	NOUN
easat-5250	263	23	.	.	PUNCT
easat-5250	264	1	499	499	NUM
easat-5250	264	2	edelweiss	edelweiss	PROPN
easat-5250	264	3	applied	apply	VERB
easat-5250	264	4	science	science	NOUN
easat-5250	264	5	and	and	CCONJ
easat-5250	264	6	technology	technology	NOUN
easat-5250	264	7	issn	issn	PROPN
easat-5250	264	8	:	:	PUNCT
easat-5250	264	9	2576	2576	NUM
easat-5250	264	10	-	-	SYM
easat-5250	264	11	8484	8484	NUM
easat-5250	264	12	vol	vol	NOUN
easat-5250	264	13	.	.	PROPN
easat-5250	265	1	9	9	NUM
easat-5250	265	2	,	,	PUNCT
easat-5250	265	3	no	no	INTJ
easat-5250	265	4	.	.	NOUN
easat-5250	266	1	3	3	NUM
easat-5250	266	2	:	:	PUNCT
easat-5250	266	3	489	489	NUM
easat-5250	266	4	-	-	SYM
easat-5250	266	5	510	510	NUM
easat-5250	266	6	,	,	PUNCT
easat-5250	266	7	2025	2025	NUM
easat-5250	266	8	doi	doi	NOUN
easat-5250	266	9	:	:	PUNCT
easat-5250	266	10	10.55214/25768484.v9i3.5250	10.55214/25768484.v9i3.5250	NUM
easat-5250	266	11	©	©	PROPN
easat-5250	266	12	2025	2025	NUM
easat-5250	266	13	by	by	ADP
easat-5250	266	14	the	the	DET
easat-5250	266	15	authors	author	NOUN
easat-5250	266	16	;	;	PUNCT
easat-5250	266	17	licensee	licensee	PROPN
easat-5250	266	18	learning	learn	VERB
easat-5250	266	19	gate	gate	NOUN
easat-5250	266	20	table	table	NOUN
easat-5250	266	21	3	3	NUM
easat-5250	266	22	.	.	PUNCT
easat-5250	266	23	descriptive	descriptive	ADJ
easat-5250	266	24	analysis	analysis	NOUN
easat-5250	266	25	.	.	PUNCT
easat-5250	267	1	variable	variable	ADJ
easat-5250	267	2	indicator	indicator	NOUN
easat-5250	267	3	mean	mean	VERB
easat-5250	267	4	median	median	ADJ
easat-5250	267	5	standard	standard	ADJ
easat-5250	267	6	deviation	deviation	NOUN
easat-5250	267	7	efficiency	efficiency	NOUN
easat-5250	267	8	eff1	eff1	NOUN
easat-5250	267	9	4.378	4.378	NUM
easat-5250	267	10	5.000	5.000	NUM
easat-5250	267	11	0.775	0.775	NUM
easat-5250	267	12	eff2	eff2	NOUN
easat-5250	267	13	4.265	4.265	NUM
easat-5250	267	14	4.000	4.000	NUM
easat-5250	267	15	0.758	0.758	NUM
easat-5250	267	16	eff3	eff3	NOUN
easat-5250	267	17	4.162	4.162	NUM
easat-5250	267	18	4.000	4.000	NUM
easat-5250	267	19	0.801	0.801	NUM
easat-5250	267	20	eff4	eff4	NOUN
easat-5250	267	21	4.335	4.335	NUM
easat-5250	267	22	4.000	4.000	NUM
easat-5250	267	23	0.691	0.691	NUM
easat-5250	267	24	fulfillment	fulfillment	NOUN
easat-5250	267	25	ful1	ful1	NOUN
easat-5250	267	26	4.290	4.290	NUM
easat-5250	267	27	4.000	4.000	NUM
easat-5250	267	28	0.708	0.708	NUM
easat-5250	267	29	ful2	ful2	NOUN
easat-5250	267	30	4.250	4.250	NUM
easat-5250	267	31	4.000	4.000	NUM
easat-5250	267	32	0.808	0.808	NUM
easat-5250	267	33	ful3	ful3	PROPN
easat-5250	267	34	4.188	4.188	NUM
easat-5250	267	35	4.000	4.000	NUM
easat-5250	267	36	0.795	0.795	NUM
easat-5250	267	37	ful4	ful4	NOUN
easat-5250	267	38	4.155	4.155	NUM
easat-5250	267	39	4.000	4.000	NUM
easat-5250	267	40	0.797	0.797	NUM
easat-5250	267	41	ful5	ful5	NOUN
easat-5250	267	42	4.215	4.215	NUM
easat-5250	267	43	4.000	4.000	NUM
easat-5250	267	44	0.805	0.805	NUM
easat-5250	267	45	system	system	NOUN
easat-5250	267	46	availability	availability	NOUN
easat-5250	267	47	sys1	sys1	NOUN
easat-5250	267	48	4.157	4.157	NUM
easat-5250	267	49	4.000	4.000	NUM
easat-5250	267	50	0.913	0.913	NUM
easat-5250	267	51	sys2	sys2	VERB
easat-5250	267	52	4.117	4.117	NUM
easat-5250	267	53	4.000	4.000	NUM
easat-5250	267	54	0.833	0.833	NUM
easat-5250	267	55	sys3	sys3	VERB
easat-5250	267	56	4.103	4.103	NUM
easat-5250	267	57	4.000	4.000	NUM
easat-5250	267	58	0.853	0.853	NUM
easat-5250	267	59	sys4	sys4	NOUN
easat-5250	267	60	4.197	4.197	NUM
easat-5250	267	61	4.000	4.000	NUM
easat-5250	267	62	0.764	0.764	NUM
easat-5250	267	63	security	security	NOUN
easat-5250	267	64	sec1	sec1	NOUN
easat-5250	267	65	4.210	4.210	NUM
easat-5250	267	66	4.000	4.000	NUM
easat-5250	267	67	0.769	0.769	NUM
easat-5250	267	68	sec2	sec2	NOUN
easat-5250	267	69	4.215	4.215	NUM
easat-5250	267	70	4.000	4.000	NUM
easat-5250	267	71	0.818	0.818	NUM
easat-5250	267	72	sec3	sec3	NOUN
easat-5250	267	73	4.120	4.120	NUM
easat-5250	267	74	4.000	4.000	NUM
easat-5250	267	75	0.831	0.831	NUM
easat-5250	267	76	sec4	sec4	NOUN
easat-5250	267	77	4.122	4.122	NUM
easat-5250	267	78	4.000	4.000	NUM
easat-5250	267	79	0.811	0.811	NUM
easat-5250	267	80	trust	trust	NOUN
easat-5250	267	81	tr1	tr1	NOUN
easat-5250	267	82	4.115	4.115	NUM
easat-5250	267	83	4.000	4.000	NUM
easat-5250	267	84	0.829	0.829	NUM
easat-5250	267	85	tr2	tr2	NOUN
easat-5250	267	86	4.255	4.255	NUM
easat-5250	267	87	4.000	4.000	NUM
easat-5250	267	88	0.752	0.752	NUM
easat-5250	267	89	tr3	tr3	NOUN
easat-5250	267	90	4.240	4.240	NUM
easat-5250	267	91	4.000	4.000	NUM
easat-5250	267	92	0.789	0.789	NUM
easat-5250	267	93	tr4	tr4	NOUN
easat-5250	267	94	4.240	4.240	NUM
easat-5250	267	95	4.000	4.000	NUM
easat-5250	267	96	0.723	0.723	NUM
easat-5250	267	97	convenience	convenience	NOUN
easat-5250	267	98	conv1	conv1	NOUN
easat-5250	267	99	4.270	4.270	NUM
easat-5250	267	100	4.000	4.000	NUM
easat-5250	267	101	0.726	0.726	NUM
easat-5250	267	102	conv2	conv2	NOUN
easat-5250	267	103	4.225	4.225	NUM
easat-5250	267	104	4.000	4.000	NUM
easat-5250	267	105	0.815	0.815	NUM
easat-5250	267	106	conv3	conv3	NOUN
easat-5250	267	107	4.312	4.312	NUM
easat-5250	267	108	4.000	4.000	NUM
easat-5250	267	109	0.768	0.768	NUM
easat-5250	267	110	conv4	conv4	NOUN
easat-5250	267	111	4.263	4.263	NUM
easat-5250	267	112	4.000	4.000	NUM
easat-5250	267	113	0.767	0.767	NUM
easat-5250	267	114	promotion	promotion	NOUN
easat-5250	267	115	policies	policy	NOUN
easat-5250	267	116	prom1	prom1	PROPN
easat-5250	267	117	4.200	4.200	NUM
easat-5250	267	118	4.000	4.000	NUM
easat-5250	267	119	0.778	0.778	NUM
easat-5250	267	120	prom2	prom2	NOUN
easat-5250	267	121	4.225	4.225	NUM
easat-5250	267	122	4.000	4.000	NUM
easat-5250	267	123	0.768	0.768	NUM
easat-5250	267	124	prom3	prom3	NOUN
easat-5250	267	125	4.192	4.192	NUM
easat-5250	267	126	4.000	4.000	NUM
easat-5250	267	127	0.794	0.794	NUM
easat-5250	267	128	customer	customer	NOUN
easat-5250	267	129	satisfcaction	satisfcaction	NOUN
easat-5250	267	130	cst1	cst1	NOUN
easat-5250	267	131	4.230	4.230	NUM
easat-5250	267	132	4.000	4.000	NUM
easat-5250	267	133	0.750	0.750	NUM
easat-5250	267	134	cst2	cst2	ADJ
easat-5250	267	135	4.250	4.250	NUM
easat-5250	267	136	4.000	4.000	NUM
easat-5250	267	137	0.798	0.798	NUM
easat-5250	267	138	cst3	cst3	NOUN
easat-5250	267	139	4.272	4.272	NUM
easat-5250	267	140	4.000	4.000	NUM
easat-5250	267	141	0.793	0.793	NUM
easat-5250	267	142	cst4	cst4	NOUN
easat-5250	267	143	4.185	4.185	NUM
easat-5250	267	144	4.000	4.000	NUM
easat-5250	267	145	0.765	0.765	NUM
easat-5250	267	146	additionally	additionally	ADV
easat-5250	267	147	,	,	PUNCT
easat-5250	267	148	fulfillment	fulfillment	NOUN
easat-5250	267	149	exhibits	exhibit	VERB
easat-5250	267	150	a	a	DET
easat-5250	267	151	mean	mean	ADJ
easat-5250	267	152	score	score	NOUN
easat-5250	267	153	between	between	ADP
easat-5250	267	154	4.155	4.155	NUM
easat-5250	267	155	and	and	CCONJ
easat-5250	267	156	4.290	4.290	NUM
easat-5250	267	157	,	,	PUNCT
easat-5250	267	158	with	with	ADP
easat-5250	267	159	ful1	ful1	PROPN
easat-5250	267	160	(	(	PUNCT
easat-5250	267	161	digital	digital	ADJ
easat-5250	267	162	banks	bank	NOUN
easat-5250	267	163	execute	execute	VERB
easat-5250	267	164	money	money	NOUN
easat-5250	267	165	transfers	transfer	NOUN
easat-5250	267	166	promptly	promptly	ADV
easat-5250	267	167	and	and	CCONJ
easat-5250	267	168	in	in	ADP
easat-5250	267	169	a	a	DET
easat-5250	267	170	timely	timely	ADJ
easat-5250	267	171	manner	manner	NOUN
easat-5250	267	172	)	)	PUNCT
easat-5250	267	173	recording	record	VERB
easat-5250	267	174	the	the	DET
easat-5250	267	175	highest	high	ADJ
easat-5250	267	176	mean	mean	ADJ
easat-5250	267	177	score	score	NOUN
easat-5250	267	178	.	.	PUNCT
easat-5250	268	1	this	this	PRON
easat-5250	268	2	suggests	suggest	VERB
easat-5250	268	3	that	that	SCONJ
easat-5250	268	4	customers	customer	NOUN
easat-5250	268	5	prioritize	prioritize	VERB
easat-5250	268	6	the	the	DET
easat-5250	268	7	efficiency	efficiency	NOUN
easat-5250	268	8	and	and	CCONJ
easat-5250	268	9	reliability	reliability	NOUN
easat-5250	268	10	of	of	ADP
easat-5250	268	11	transaction	transaction	NOUN
easat-5250	268	12	processing	processing	NOUN
easat-5250	268	13	,	,	PUNCT
easat-5250	268	14	highlighting	highlight	VERB
easat-5250	268	15	the	the	DET
easat-5250	268	16	necessity	necessity	NOUN
easat-5250	268	17	of	of	ADP
easat-5250	268	18	fulfilling	fulfil	VERB
easat-5250	268	19	service	service	NOUN
easat-5250	268	20	expectations	expectation	NOUN
easat-5250	268	21	.	.	PUNCT
easat-5250	269	1	system	system	NOUN
easat-5250	269	2	availability	availability	NOUN
easat-5250	269	3	mean	mean	VERB
easat-5250	269	4	scores	score	NOUN
easat-5250	269	5	ranged	range	VERB
easat-5250	269	6	from	from	ADP
easat-5250	269	7	4.103	4.103	NUM
easat-5250	269	8	to	to	ADP
easat-5250	269	9	4.197	4.197	NUM
easat-5250	269	10	,	,	PUNCT
easat-5250	269	11	with	with	ADP
easat-5250	269	12	sys4	sys4	PROPN
easat-5250	269	13	(	(	PUNCT
easat-5250	269	14	the	the	DET
easat-5250	269	15	digital	digital	PROPN
easat-5250	269	16	bank	bank	NOUN
easat-5250	269	17	application	application	NOUN
easat-5250	269	18	continued	continue	VERB
easat-5250	269	19	to	to	PART
easat-5250	269	20	run	run	VERB
easat-5250	269	21	smoothly	smoothly	ADV
easat-5250	269	22	after	after	SCONJ
easat-5250	269	23	i	i	PRON
easat-5250	269	24	entered	enter	VERB
easat-5250	269	25	the	the	DET
easat-5250	269	26	transaction	transaction	NOUN
easat-5250	269	27	information	information	NOUN
easat-5250	269	28	)	)	PUNCT
easat-5250	269	29	showing	show	VERB
easat-5250	269	30	the	the	DET
easat-5250	269	31	highest	high	ADJ
easat-5250	269	32	mean	mean	ADJ
easat-5250	269	33	score	score	NOUN
easat-5250	269	34	.	.	PUNCT
easat-5250	270	1	this	this	PRON
easat-5250	270	2	highlights	highlight	VERB
easat-5250	270	3	the	the	DET
easat-5250	270	4	importance	importance	NOUN
easat-5250	270	5	of	of	ADP
easat-5250	270	6	dependable	dependable	ADJ
easat-5250	270	7	system	system	NOUN
easat-5250	270	8	performance	performance	NOUN
easat-5250	270	9	for	for	ADP
easat-5250	270	10	customers	customer	NOUN
easat-5250	270	11	,	,	PUNCT
easat-5250	270	12	especially	especially	ADV
easat-5250	270	13	in	in	ADP
easat-5250	270	14	digital	digital	ADJ
easat-5250	270	15	banking	banking	NOUN
easat-5250	270	16	.	.	PUNCT
easat-5250	271	1	security	security	NOUN
easat-5250	271	2	variables	variable	NOUN
easat-5250	271	3	show	show	VERB
easat-5250	271	4	little	little	ADJ
easat-5250	271	5	variation	variation	NOUN
easat-5250	271	6	,	,	PUNCT
easat-5250	271	7	with	with	ADP
easat-5250	271	8	mean	mean	ADJ
easat-5250	271	9	scores	score	NOUN
easat-5250	271	10	ranging	range	VERB
easat-5250	271	11	from	from	ADP
easat-5250	271	12	4.120	4.120	NUM
easat-5250	271	13	to	to	ADP
easat-5250	271	14	4.215	4.215	NUM
easat-5250	271	15	.	.	PUNCT
easat-5250	272	1	sec2	sec2	NOUN
easat-5250	272	2	(	(	PUNCT
easat-5250	272	3	i	i	PRON
easat-5250	272	4	feel	feel	VERB
easat-5250	272	5	safe	safe	ADJ
easat-5250	272	6	when	when	SCONJ
easat-5250	272	7	i	i	PRON
easat-5250	272	8	use	use	VERB
easat-5250	272	9	my	my	PRON
easat-5250	272	10	bank	bank	NOUN
easat-5250	272	11	's	's	PART
easat-5250	272	12	digital	digital	ADJ
easat-5250	272	13	services	service	NOUN
easat-5250	272	14	to	to	PART
easat-5250	272	15	make	make	VERB
easat-5250	272	16	transactions	transaction	NOUN
easat-5250	272	17	)	)	PUNCT
easat-5250	272	18	,	,	PUNCT
easat-5250	272	19	which	which	PRON
easat-5250	272	20	measures	measure	VERB
easat-5250	272	21	feelings	feeling	NOUN
easat-5250	272	22	of	of	ADP
easat-5250	272	23	safety	safety	NOUN
easat-5250	272	24	when	when	SCONJ
easat-5250	272	25	using	use	VERB
easat-5250	272	26	bank	bank	NOUN
easat-5250	272	27	digital	digital	ADJ
easat-5250	272	28	services	service	NOUN
easat-5250	272	29	for	for	ADP
easat-5250	272	30	transactions	transaction	NOUN
easat-5250	272	31	,	,	PUNCT
easat-5250	272	32	shows	show	VERB
easat-5250	272	33	strong	strong	ADJ
easat-5250	272	34	customer	customer	NOUN
easat-5250	272	35	confidence	confidence	NOUN
easat-5250	272	36	in	in	ADP
easat-5250	272	37	transaction	transaction	NOUN
easat-5250	272	38	security	security	NOUN
easat-5250	272	39	.	.	PUNCT
easat-5250	273	1	there	there	PRON
easat-5250	273	2	is	be	VERB
easat-5250	273	3	still	still	ADV
easat-5250	273	4	room	room	NOUN
easat-5250	273	5	for	for	ADP
easat-5250	273	6	improvement	improvement	NOUN
easat-5250	273	7	in	in	ADP
easat-5250	273	8	data	datum	NOUN
easat-5250	273	9	privacy	privacy	NOUN
easat-5250	273	10	,	,	PUNCT
easat-5250	273	11	as	as	SCONJ
easat-5250	273	12	noted	note	VERB
easat-5250	273	13	by	by	ADP
easat-5250	273	14	sec3	sec3	PROPN
easat-5250	273	15	(	(	PUNCT
easat-5250	273	16	i	i	PRON
easat-5250	273	17	am	be	AUX
easat-5250	273	18	confident	confident	ADJ
easat-5250	273	19	that	that	SCONJ
easat-5250	273	20	my	my	PRON
easat-5250	273	21	bank	bank	NOUN
easat-5250	273	22	does	do	AUX
easat-5250	273	23	not	not	PART
easat-5250	273	24	share	share	VERB
easat-5250	273	25	my	my	PRON
easat-5250	273	26	personal	personal	ADJ
easat-5250	273	27	and	and	CCONJ
easat-5250	273	28	financial	financial	ADJ
easat-5250	273	29	transaction	transaction	NOUN
easat-5250	273	30	data	datum	NOUN
easat-5250	273	31	with	with	ADP
easat-5250	273	32	third	third	ADJ
easat-5250	273	33	parties	party	NOUN
easat-5250	273	34	without	without	ADP
easat-5250	273	35	my	my	PRON
easat-5250	273	36	consent	consent	NOUN
easat-5250	273	37	)	)	PUNCT
easat-5250	273	38	.	.	PUNCT
easat-5250	274	1	trust	trust	NOUN
easat-5250	274	2	exhibits	exhibit	VERB
easat-5250	274	3	a	a	DET
easat-5250	274	4	stable	stable	ADJ
easat-5250	274	5	500	500	NUM
easat-5250	274	6	edelweiss	edelweiss	PROPN
easat-5250	274	7	applied	apply	VERB
easat-5250	274	8	science	science	NOUN
easat-5250	274	9	and	and	CCONJ
easat-5250	274	10	technology	technology	NOUN
easat-5250	274	11	issn	issn	PROPN
easat-5250	274	12	:	:	PUNCT
easat-5250	274	13	2576	2576	NUM
easat-5250	274	14	-	-	SYM
easat-5250	274	15	8484	8484	NUM
easat-5250	274	16	vol	vol	NOUN
easat-5250	274	17	.	.	PROPN
easat-5250	275	1	9	9	NUM
easat-5250	275	2	,	,	PUNCT
easat-5250	275	3	no	no	INTJ
easat-5250	275	4	.	.	NOUN
easat-5250	276	1	3	3	NUM
easat-5250	276	2	:	:	PUNCT
easat-5250	276	3	489	489	NUM
easat-5250	276	4	-	-	SYM
easat-5250	276	5	510	510	NUM
easat-5250	276	6	,	,	PUNCT
easat-5250	276	7	2025	2025	NUM
easat-5250	276	8	doi	doi	NOUN
easat-5250	276	9	:	:	PUNCT
easat-5250	276	10	10.55214/25768484.v9i3.5250	10.55214/25768484.v9i3.5250	NUM
easat-5250	276	11	©	©	PROPN
easat-5250	276	12	2025	2025	NUM
easat-5250	276	13	by	by	ADP
easat-5250	276	14	the	the	DET
easat-5250	276	15	authors	author	NOUN
easat-5250	276	16	;	;	PUNCT
easat-5250	276	17	licensee	licensee	PROPN
easat-5250	276	18	learning	learn	VERB
easat-5250	276	19	gate	gate	NOUN
easat-5250	276	20	mean	mean	VERB
easat-5250	276	21	score	score	NOUN
easat-5250	276	22	range	range	NOUN
easat-5250	276	23	of	of	ADP
easat-5250	276	24	4.115	4.115	NUM
easat-5250	276	25	to	to	ADP
easat-5250	276	26	4.255	4.255	NUM
easat-5250	276	27	,	,	PUNCT
easat-5250	276	28	with	with	ADP
easat-5250	276	29	tr2	tr2	X
easat-5250	276	30	(	(	PUNCT
easat-5250	276	31	i	i	PRON
easat-5250	276	32	trust	trust	VERB
easat-5250	276	33	that	that	SCONJ
easat-5250	276	34	my	my	PRON
easat-5250	276	35	digital	digital	PROPN
easat-5250	276	36	bank	bank	NOUN
easat-5250	276	37	presents	present	VERB
easat-5250	276	38	transaction	transaction	NOUN
easat-5250	276	39	information	information	NOUN
easat-5250	276	40	honestly	honestly	ADV
easat-5250	276	41	and	and	CCONJ
easat-5250	276	42	transparently	transparently	ADV
easat-5250	276	43	)	)	PUNCT
easat-5250	276	44	being	be	AUX
easat-5250	276	45	particularly	particularly	ADV
easat-5250	276	46	notable	notable	ADJ
easat-5250	276	47	,	,	PUNCT
easat-5250	276	48	underscoring	underscore	VERB
easat-5250	276	49	the	the	DET
easat-5250	276	50	significant	significant	ADJ
easat-5250	276	51	impact	impact	NOUN
easat-5250	276	52	of	of	ADP
easat-5250	276	53	trust	trust	NOUN
easat-5250	276	54	on	on	ADP
easat-5250	276	55	customer	customer	NOUN
easat-5250	276	56	satisfaction	satisfaction	NOUN
easat-5250	276	57	.	.	PUNCT
easat-5250	277	1	the	the	DET
easat-5250	277	2	mean	mean	ADJ
easat-5250	277	3	scores	score	NOUN
easat-5250	277	4	for	for	ADP
easat-5250	277	5	convenience	convenience	NOUN
easat-5250	277	6	varied	varied	ADJ
easat-5250	277	7	from	from	ADP
easat-5250	277	8	4.225	4.225	NUM
easat-5250	277	9	to	to	ADP
easat-5250	277	10	4.312	4.312	NUM
easat-5250	277	11	,	,	PUNCT
easat-5250	277	12	with	with	ADP
easat-5250	277	13	conv3	conv3	NOUN
easat-5250	277	14	(	(	PUNCT
easat-5250	277	15	digital	digital	ADJ
easat-5250	277	16	banking	banking	NOUN
easat-5250	277	17	is	be	AUX
easat-5250	277	18	highly	highly	ADV
easat-5250	277	19	user	user	NOUN
easat-5250	277	20	-	-	PUNCT
easat-5250	277	21	friendly	friendly	ADJ
easat-5250	277	22	and	and	CCONJ
easat-5250	277	23	practical	practical	ADJ
easat-5250	277	24	)	)	PUNCT
easat-5250	277	25	exhibiting	exhibit	VERB
easat-5250	277	26	the	the	DET
easat-5250	277	27	highest	high	ADJ
easat-5250	277	28	mean	mean	ADJ
easat-5250	277	29	score	score	NOUN
easat-5250	277	30	.	.	PUNCT
easat-5250	278	1	ease	ease	NOUN
easat-5250	278	2	of	of	ADP
easat-5250	278	3	access	access	NOUN
easat-5250	278	4	and	and	CCONJ
easat-5250	278	5	convenience	convenience	NOUN
easat-5250	278	6	in	in	ADP
easat-5250	278	7	digital	digital	ADJ
easat-5250	278	8	banking	banking	NOUN
easat-5250	278	9	applications	application	NOUN
easat-5250	278	10	are	be	AUX
easat-5250	278	11	highly	highly	ADV
easat-5250	278	12	prioritized	prioritize	VERB
easat-5250	278	13	by	by	ADP
easat-5250	278	14	generation	generation	NOUN
easat-5250	278	15	z.	z.	PROPN
easat-5250	278	16	convenience	convenience	PROPN
easat-5250	278	17	refers	refer	VERB
easat-5250	278	18	to	to	ADP
easat-5250	278	19	how	how	SCONJ
easat-5250	278	20	easily	easily	ADV
easat-5250	278	21	users	user	NOUN
easat-5250	278	22	can	can	AUX
easat-5250	278	23	access	access	VERB
easat-5250	278	24	digital	digital	ADJ
easat-5250	278	25	banking	banking	NOUN
easat-5250	278	26	features	feature	NOUN
easat-5250	278	27	,	,	PUNCT
easat-5250	278	28	including	include	VERB
easat-5250	278	29	a	a	DET
easat-5250	278	30	user	user	NOUN
easat-5250	278	31	-	-	PUNCT
easat-5250	278	32	friendly	friendly	ADJ
easat-5250	278	33	interface	interface	NOUN
easat-5250	278	34	and	and	CCONJ
easat-5250	278	35	practicality	practicality	NOUN
easat-5250	278	36	for	for	ADP
easat-5250	278	37	daily	daily	ADJ
easat-5250	278	38	transactions	transaction	NOUN
easat-5250	278	39	.	.	PUNCT
easat-5250	279	1	promotion	promotion	NOUN
easat-5250	279	2	policies	policy	NOUN
easat-5250	279	3	exhibit	exhibit	VERB
easat-5250	279	4	a	a	DET
easat-5250	279	5	notable	notable	ADJ
easat-5250	279	6	trend	trend	NOUN
easat-5250	279	7	,	,	PUNCT
easat-5250	279	8	with	with	ADP
easat-5250	279	9	mean	mean	ADJ
easat-5250	279	10	scores	score	NOUN
easat-5250	279	11	varying	vary	VERB
easat-5250	279	12	between	between	ADP
easat-5250	279	13	4.192	4.192	NUM
easat-5250	279	14	and	and	CCONJ
easat-5250	279	15	4.225	4.225	NUM
easat-5250	279	16	.	.	PUNCT
easat-5250	280	1	the	the	DET
easat-5250	280	2	highest	high	ADJ
easat-5250	280	3	mean	mean	ADJ
easat-5250	280	4	score	score	NOUN
easat-5250	280	5	is	be	AUX
easat-5250	280	6	observed	observe	VERB
easat-5250	280	7	in	in	ADP
easat-5250	280	8	prom2	prom2	PROPN
easat-5250	280	9	(	(	PUNCT
easat-5250	280	10	the	the	DET
easat-5250	280	11	promotions	promotion	NOUN
easat-5250	280	12	offered	offer	VERB
easat-5250	280	13	by	by	ADP
easat-5250	280	14	this	this	DET
easat-5250	280	15	digital	digital	ADJ
easat-5250	280	16	bank	bank	NOUN
easat-5250	280	17	are	be	AUX
easat-5250	280	18	very	very	ADV
easat-5250	280	19	attractive	attractive	ADJ
easat-5250	280	20	and	and	CCONJ
easat-5250	280	21	add	add	VERB
easat-5250	280	22	value	value	NOUN
easat-5250	280	23	for	for	ADP
easat-5250	280	24	me	i	PRON
easat-5250	280	25	)	)	PUNCT
easat-5250	280	26	,	,	PUNCT
easat-5250	280	27	suggesting	suggest	VERB
easat-5250	280	28	that	that	SCONJ
easat-5250	280	29	promotional	promotional	ADJ
easat-5250	280	30	offers	offer	NOUN
easat-5250	280	31	significantly	significantly	ADV
easat-5250	280	32	enhance	enhance	VERB
easat-5250	280	33	user	user	NOUN
easat-5250	280	34	experience	experience	NOUN
easat-5250	280	35	and	and	CCONJ
easat-5250	280	36	foster	foster	ADJ
easat-5250	280	37	customer	customer	NOUN
easat-5250	280	38	engagement	engagement	NOUN
easat-5250	280	39	.	.	PUNCT
easat-5250	281	1	5.3	5.3	NUM
easat-5250	281	2	.	.	PUNCT
easat-5250	281	3	model	model	NOUN
easat-5250	281	4	analysis	analysis	NOUN
easat-5250	281	5	this	this	DET
easat-5250	281	6	study	study	NOUN
easat-5250	281	7	uses	use	VERB
easat-5250	281	8	the	the	DET
easat-5250	281	9	structural	structural	ADJ
easat-5250	281	10	equation	equation	NOUN
easat-5250	281	11	model	model	NOUN
easat-5250	281	12	partial	partial	ADJ
easat-5250	281	13	least	least	ADV
easat-5250	281	14	square	square	ADJ
easat-5250	281	15	(	(	PUNCT
easat-5250	281	16	sem	sem	NOUN
easat-5250	281	17	-	-	PUNCT
easat-5250	281	18	pls	pls	NOUN
easat-5250	281	19	)	)	PUNCT
easat-5250	281	20	method	method	NOUN
easat-5250	281	21	with	with	ADP
easat-5250	281	22	the	the	DET
easat-5250	281	23	smartpls	smartpls	PROPN
easat-5250	281	24	version	version	NOUN
easat-5250	281	25	4.1.0.8	4.1.0.8	NUM
easat-5250	281	26	application	application	NOUN
easat-5250	281	27	to	to	PART
easat-5250	281	28	analyze	analyze	VERB
easat-5250	281	29	statistical	statistical	ADJ
easat-5250	281	30	data	datum	NOUN
easat-5250	281	31	and	and	CCONJ
easat-5250	281	32	process	process	VERB
easat-5250	281	33	quantitative	quantitative	ADJ
easat-5250	281	34	data	datum	NOUN
easat-5250	281	35	in	in	ADP
easat-5250	281	36	this	this	DET
easat-5250	281	37	study	study	NOUN
easat-5250	281	38	.	.	PUNCT
easat-5250	282	1	the	the	DET
easat-5250	282	2	main	main	ADJ
easat-5250	282	3	advantage	advantage	NOUN
easat-5250	282	4	of	of	ADP
easat-5250	282	5	sem	sem	NOUN
easat-5250	282	6	-	-	PUNCT
easat-5250	282	7	pls	pls	PROPN
easat-5250	282	8	is	be	AUX
easat-5250	282	9	its	its	PRON
easat-5250	282	10	ability	ability	NOUN
easat-5250	282	11	to	to	PART
easat-5250	282	12	view	view	VERB
easat-5250	282	13	constructs	construct	NOUN
easat-5250	282	14	as	as	ADP
easat-5250	282	15	composites	composite	NOUN
easat-5250	282	16	resulting	result	VERB
easat-5250	282	17	from	from	ADP
easat-5250	282	18	total	total	ADJ
easat-5250	282	19	variance	variance	NOUN
easat-5250	282	20	,	,	PUNCT
easat-5250	282	21	which	which	PRON
easat-5250	282	22	is	be	AUX
easat-5250	282	23	determined	determine	VERB
easat-5250	282	24	by	by	ADP
easat-5250	282	25	a	a	DET
easat-5250	282	26	linear	linear	ADJ
easat-5250	282	27	combination	combination	NOUN
easat-5250	282	28	of	of	ADP
easat-5250	282	29	indicator	indicator	NOUN
easat-5250	282	30	variables	variable	NOUN
easat-5250	282	31	[	[	X
easat-5250	282	32	56	56	NUM
easat-5250	282	33	]	]	SYM
easat-5250	282	34	.	.	PUNCT
easat-5250	283	1	sem	sem	PROPN
easat-5250	283	2	-	-	PUNCT
easat-5250	283	3	pls	pls	PROPN
easat-5250	283	4	has	have	AUX
easat-5250	283	5	also	also	ADV
easat-5250	283	6	been	be	AUX
easat-5250	283	7	used	use	VERB
easat-5250	283	8	in	in	ADP
easat-5250	283	9	a	a	DET
easat-5250	283	10	variety	variety	NOUN
easat-5250	283	11	of	of	ADP
easat-5250	283	12	previous	previous	ADJ
easat-5250	283	13	studies	study	NOUN
easat-5250	283	14	,	,	PUNCT
easat-5250	283	15	which	which	PRON
easat-5250	283	16	have	have	AUX
easat-5250	283	17	shown	show	VERB
easat-5250	283	18	how	how	SCONJ
easat-5250	283	19	well	well	ADV
easat-5250	283	20	it	it	PRON
easat-5250	283	21	analyzes	analyze	VERB
easat-5250	283	22	customer	customer	NOUN
easat-5250	283	23	satisfaction	satisfaction	NOUN
easat-5250	283	24	and	and	CCONJ
easat-5250	283	25	banking	banking	NOUN
easat-5250	283	26	services	service	NOUN
easat-5250	283	27	[	[	X
easat-5250	283	28	18	18	NUM
easat-5250	283	29	,	,	PUNCT
easat-5250	283	30	24	24	NUM
easat-5250	283	31	,	,	PUNCT
easat-5250	283	32	26	26	NUM
easat-5250	283	33	,	,	PUNCT
easat-5250	283	34	29	29	NUM
easat-5250	283	35	]	]	PUNCT
easat-5250	283	36	.	.	PUNCT
easat-5250	284	1	501	501	NUM
easat-5250	284	2	edelweiss	edelweiss	PROPN
easat-5250	284	3	applied	apply	VERB
easat-5250	284	4	science	science	NOUN
easat-5250	284	5	and	and	CCONJ
easat-5250	284	6	technology	technology	NOUN
easat-5250	284	7	issn	issn	PROPN
easat-5250	284	8	:	:	PUNCT
easat-5250	284	9	2576	2576	NUM
easat-5250	284	10	-	-	SYM
easat-5250	284	11	8484	8484	NUM
easat-5250	284	12	vol	vol	NOUN
easat-5250	284	13	.	.	PROPN
easat-5250	285	1	9	9	NUM
easat-5250	285	2	,	,	PUNCT
easat-5250	285	3	no	no	INTJ
easat-5250	285	4	.	.	NOUN
easat-5250	286	1	3	3	NUM
easat-5250	286	2	:	:	PUNCT
easat-5250	286	3	489	489	NUM
easat-5250	286	4	-	-	SYM
easat-5250	286	5	510	510	NUM
easat-5250	286	6	,	,	PUNCT
easat-5250	286	7	2025	2025	NUM
easat-5250	286	8	doi	doi	NOUN
easat-5250	286	9	:	:	PUNCT
easat-5250	286	10	10.55214/25768484.v9i3.5250	10.55214/25768484.v9i3.5250	NUM
easat-5250	286	11	©	©	PROPN
easat-5250	286	12	2025	2025	NUM
easat-5250	286	13	by	by	ADP
easat-5250	286	14	the	the	DET
easat-5250	286	15	authors	author	NOUN
easat-5250	286	16	;	;	PUNCT
easat-5250	286	17	licensee	licensee	PROPN
easat-5250	286	18	learning	learn	VERB
easat-5250	286	19	gate	gate	NOUN
easat-5250	286	20	figure	figure	NOUN
easat-5250	286	21	2	2	NUM
easat-5250	286	22	.	.	PUNCT
easat-5250	286	23	final	final	ADJ
easat-5250	286	24	model	model	NOUN
easat-5250	286	25	output	output	NOUN
easat-5250	286	26	.	.	PUNCT
easat-5250	287	1	5.4	5.4	NUM
easat-5250	287	2	.	.	PUNCT
easat-5250	287	3	outer	outer	ADJ
easat-5250	287	4	model	model	NOUN
easat-5250	287	5	(	(	PUNCT
easat-5250	287	6	measurement	measurement	NOUN
easat-5250	287	7	model	model	PROPN
easat-5250	287	8	)	)	PUNCT
easat-5250	287	9	the	the	DET
easat-5250	287	10	outer	outer	ADJ
easat-5250	287	11	model	model	NOUN
easat-5250	287	12	serves	serve	VERB
easat-5250	287	13	as	as	ADP
easat-5250	287	14	a	a	DET
easat-5250	287	15	component	component	NOUN
easat-5250	287	16	of	of	ADP
easat-5250	287	17	the	the	DET
easat-5250	287	18	structural	structural	ADJ
easat-5250	287	19	model	model	NOUN
easat-5250	287	20	,	,	PUNCT
easat-5250	287	21	detailing	detail	VERB
easat-5250	287	22	the	the	DET
easat-5250	287	23	relationship	relationship	NOUN
easat-5250	287	24	between	between	ADP
easat-5250	287	25	the	the	DET
easat-5250	287	26	construct	construct	NOUN
easat-5250	287	27	and	and	CCONJ
easat-5250	287	28	its	its	PRON
easat-5250	287	29	associated	associated	ADJ
easat-5250	287	30	indicator	indicator	NOUN
easat-5250	287	31	variables	variable	NOUN
easat-5250	287	32	.	.	PUNCT
easat-5250	288	1	the	the	DET
easat-5250	288	2	purpose	purpose	NOUN
easat-5250	288	3	of	of	ADP
easat-5250	288	4	the	the	DET
easat-5250	288	5	outer	outer	ADJ
easat-5250	288	6	model	model	NOUN
easat-5250	288	7	evaluation	evaluation	NOUN
easat-5250	288	8	is	be	AUX
easat-5250	288	9	to	to	ADP
easat-5250	288	10	502	502	NUM
easat-5250	288	11	edelweiss	edelweiss	PROPN
easat-5250	288	12	applied	apply	VERB
easat-5250	288	13	science	science	NOUN
easat-5250	288	14	and	and	CCONJ
easat-5250	288	15	technology	technology	NOUN
easat-5250	288	16	issn	issn	PROPN
easat-5250	288	17	:	:	PUNCT
easat-5250	288	18	2576	2576	NUM
easat-5250	288	19	-	-	SYM
easat-5250	288	20	8484	8484	NUM
easat-5250	288	21	vol	vol	NOUN
easat-5250	288	22	.	.	PROPN
easat-5250	289	1	9	9	NUM
easat-5250	289	2	,	,	PUNCT
easat-5250	289	3	no	no	INTJ
easat-5250	289	4	.	.	NOUN
easat-5250	290	1	3	3	NUM
easat-5250	290	2	:	:	PUNCT
easat-5250	290	3	489	489	NUM
easat-5250	290	4	-	-	SYM
easat-5250	290	5	510	510	NUM
easat-5250	290	6	,	,	PUNCT
easat-5250	290	7	2025	2025	NUM
easat-5250	290	8	doi	doi	NOUN
easat-5250	290	9	:	:	PUNCT
easat-5250	290	10	10.55214/25768484.v9i3.5250	10.55214/25768484.v9i3.5250	NUM
easat-5250	290	11	©	©	PROPN
easat-5250	290	12	2025	2025	NUM
easat-5250	290	13	by	by	ADP
easat-5250	290	14	the	the	DET
easat-5250	290	15	authors	author	NOUN
easat-5250	290	16	;	;	PUNCT
easat-5250	290	17	licensee	licensee	PROPN
easat-5250	290	18	learning	learn	VERB
easat-5250	290	19	gate	gate	NOUN
easat-5250	290	20	verify	verify	VERB
easat-5250	290	21	that	that	SCONJ
easat-5250	290	22	the	the	DET
easat-5250	290	23	indicators	indicator	NOUN
easat-5250	290	24	effectively	effectively	ADV
easat-5250	290	25	represent	represent	VERB
easat-5250	290	26	the	the	DET
easat-5250	290	27	construct	construct	NOUN
easat-5250	290	28	.	.	PUNCT
easat-5250	291	1	the	the	DET
easat-5250	291	2	outer	outer	ADJ
easat-5250	291	3	model	model	NOUN
easat-5250	291	4	of	of	ADP
easat-5250	291	5	pls	pls	PROPN
easat-5250	291	6	sem	sem	PROPN
easat-5250	291	7	consists	consist	VERB
easat-5250	291	8	of	of	ADP
easat-5250	291	9	two	two	NUM
easat-5250	291	10	types	type	NOUN
easat-5250	291	11	of	of	ADP
easat-5250	291	12	measurements	measurement	NOUN
easat-5250	291	13	:	:	PUNCT
easat-5250	291	14	reflective	reflective	ADJ
easat-5250	291	15	and	and	CCONJ
easat-5250	291	16	formative	formative	ADJ
easat-5250	291	17	model	model	NOUN
easat-5250	291	18	measurements	measurement	NOUN
easat-5250	291	19	.	.	PUNCT
easat-5250	292	1	the	the	DET
easat-5250	292	2	initial	initial	ADJ
easat-5250	292	3	pls	pls	PROPN
easat-5250	292	4	sem	sem	PROPN
easat-5250	292	5	model	model	PROPN
easat-5250	292	6	measurement	measurement	NOUN
easat-5250	292	7	in	in	ADP
easat-5250	292	8	the	the	DET
easat-5250	292	9	outer	outer	ADJ
easat-5250	292	10	model	model	NOUN
easat-5250	292	11	is	be	AUX
easat-5250	292	12	characterized	characterize	VERB
easat-5250	292	13	by	by	ADP
easat-5250	292	14	reflective	reflective	ADJ
easat-5250	292	15	measurement	measurement	NOUN
easat-5250	292	16	.	.	PUNCT
easat-5250	293	1	in	in	ADP
easat-5250	293	2	reflective	reflective	ADJ
easat-5250	293	3	measurement	measurement	NOUN
easat-5250	293	4	,	,	PUNCT
easat-5250	293	5	indicators	indicator	NOUN
easat-5250	293	6	are	be	AUX
easat-5250	293	7	regarded	regard	VERB
easat-5250	293	8	as	as	ADP
easat-5250	293	9	representations	representation	NOUN
easat-5250	293	10	of	of	ADP
easat-5250	293	11	the	the	DET
easat-5250	293	12	construct	construct	NOUN
easat-5250	293	13	.	.	PUNCT
easat-5250	294	1	the	the	DET
easat-5250	294	2	measurement	measurement	NOUN
easat-5250	294	3	model	model	NOUN
easat-5250	294	4	is	be	AUX
easat-5250	294	5	evaluated	evaluate	VERB
easat-5250	294	6	through	through	ADP
easat-5250	294	7	the	the	DET
easat-5250	294	8	assessment	assessment	NOUN
easat-5250	294	9	of	of	ADP
easat-5250	294	10	reliability	reliability	NOUN
easat-5250	294	11	and	and	CCONJ
easat-5250	294	12	validity	validity	NOUN
easat-5250	294	13	[	[	X
easat-5250	294	14	57	57	NUM
easat-5250	294	15	]	]	PUNCT
easat-5250	294	16	.	.	PUNCT
easat-5250	295	1	table	table	NOUN
easat-5250	295	2	4	4	NUM
easat-5250	295	3	.	.	PUNCT
easat-5250	296	1	convergent	convergent	NOUN
easat-5250	296	2	validity	validity	NOUN
easat-5250	296	3	based	base	VERB
easat-5250	296	4	on	on	ADP
easat-5250	296	5	outer	outer	ADJ
easat-5250	296	6	loadings	loading	NOUN
easat-5250	296	7	.	.	PUNCT
easat-5250	297	1	construct	construct	VERB
easat-5250	297	2	items	item	NOUN
easat-5250	297	3	outer	outer	ADJ
easat-5250	297	4	loadings	loading	NOUN
easat-5250	297	5	ave	ave	NOUN
easat-5250	297	6	efficiency	efficiency	PROPN
easat-5250	297	7	eff1	eff1	PROPN
easat-5250	297	8	0.844	0.844	NUM
easat-5250	297	9	0.613	0.613	NUM
easat-5250	297	10	eff2	eff2	NOUN
easat-5250	297	11	0.740	0.740	NUM
easat-5250	297	12	eff3	eff3	PROPN
easat-5250	297	13	0.796	0.796	NUM
easat-5250	297	14	eff4	eff4	NOUN
easat-5250	297	15	0.748	0.748	NUM
easat-5250	297	16	fulfillment	fulfillment	NOUN
easat-5250	297	17	ful1	ful1	PROPN
easat-5250	297	18	0.705	0.705	NUM
easat-5250	297	19	0.558	0.558	NUM
easat-5250	297	20	ful2	ful2	NOUN
easat-5250	297	21	0.800	0.800	NUM
easat-5250	297	22	ful3	ful3	PROPN
easat-5250	297	23	0.715	0.715	NUM
easat-5250	297	24	ful4	ful4	NOUN
easat-5250	297	25	0.796	0.796	NUM
easat-5250	297	26	ful5	ful5	NOUN
easat-5250	297	27	0.714	0.714	NUM
easat-5250	297	28	system	system	NOUN
easat-5250	297	29	availability	availability	NOUN
easat-5250	297	30	sys1	sys1	NOUN
easat-5250	297	31	0.806	0.806	NUM
easat-5250	297	32	0.633	0.633	NUM
easat-5250	297	33	sys2	sys2	VERB
easat-5250	297	34	0.772	0.772	NUM
easat-5250	297	35	sys3	sys3	VERB
easat-5250	297	36	0.842	0.842	NUM
easat-5250	297	37	sys4	sys4	NOUN
easat-5250	297	38	0.759	0.759	NUM
easat-5250	297	39	security	security	NOUN
easat-5250	297	40	sec1	sec1	PROPN
easat-5250	297	41	0.741	0.741	NUM
easat-5250	297	42	0.577	0.577	NUM
easat-5250	297	43	sec2	sec2	NOUN
easat-5250	297	44	0.772	0.772	NUM
easat-5250	297	45	sec3	sec3	NOUN
easat-5250	297	46	0.710	0.710	NUM
easat-5250	297	47	sec4	sec4	VERB
easat-5250	297	48	0.812	0.812	NUM
easat-5250	297	49	trust	trust	NOUN
easat-5250	297	50	tr1	tr1	NOUN
easat-5250	297	51	0.773	0.773	NUM
easat-5250	297	52	0.575	0.575	NUM
easat-5250	297	53	tr2	tr2	NOUN
easat-5250	297	54	0.724	0.724	NUM
easat-5250	297	55	tr3	tr3	NOUN
easat-5250	297	56	0.777	0.777	NUM
easat-5250	297	57	tr4	tr4	PROPN
easat-5250	297	58	0.756	0.756	NUM
easat-5250	297	59	convenience	convenience	NOUN
easat-5250	297	60	conv1	conv1	NOUN
easat-5250	297	61	0.734	0.734	NUM
easat-5250	297	62	0.567	0.567	NUM
easat-5250	297	63	conv2	conv2	NOUN
easat-5250	297	64	0.741	0.741	NUM
easat-5250	297	65	conv3	conv3	NOUN
easat-5250	297	66	0.774	0.774	NUM
easat-5250	297	67	conv4	conv4	NOUN
easat-5250	297	68	0.761	0.761	NUM
easat-5250	297	69	promotion	promotion	NOUN
easat-5250	297	70	policies	policy	NOUN
easat-5250	297	71	prom1	prom1	NOUN
easat-5250	297	72	0.806	0.806	NUM
easat-5250	297	73	0.632	0.632	NUM
easat-5250	297	74	prom2	prom2	NOUN
easat-5250	297	75	0.714	0.714	NUM
easat-5250	297	76	prom3	prom3	NOUN
easat-5250	297	77	0.859	0.859	NUM
easat-5250	297	78	customer	customer	NOUN
easat-5250	297	79	satisfaction	satisfaction	NOUN
easat-5250	297	80	cst1	cst1	NOUN
easat-5250	297	81	0.756	0.756	NUM
easat-5250	297	82	0.574	0.574	NUM
easat-5250	297	83	cst2	cst2	ADJ
easat-5250	297	84	0.734	0.734	NUM
easat-5250	297	85	cst3	cst3	NOUN
easat-5250	297	86	0.760	0.760	NUM
easat-5250	297	87	cst4	cst4	NOUN
easat-5250	297	88	0.779	0.779	NUM
easat-5250	297	89	convergent	convergent	NOUN
easat-5250	297	90	validity	validity	NOUN
easat-5250	297	91	tests	test	NOUN
easat-5250	297	92	assess	assess	VERB
easat-5250	297	93	the	the	DET
easat-5250	297	94	correlation	correlation	NOUN
easat-5250	297	95	of	of	ADP
easat-5250	297	96	each	each	DET
easat-5250	297	97	indicator	indicator	NOUN
easat-5250	297	98	with	with	ADP
easat-5250	297	99	other	other	ADJ
easat-5250	297	100	indicators	indicator	NOUN
easat-5250	297	101	within	within	ADP
easat-5250	297	102	the	the	DET
easat-5250	297	103	same	same	ADJ
easat-5250	297	104	construct	construct	NOUN
easat-5250	297	105	through	through	ADP
easat-5250	297	106	the	the	DET
easat-5250	297	107	analysis	analysis	NOUN
easat-5250	297	108	of	of	ADP
easat-5250	297	109	cross	cross	ADJ
easat-5250	297	110	-	-	ADJ
easat-5250	297	111	loading	loading	ADJ
easat-5250	297	112	and	and	CCONJ
easat-5250	297	113	average	average	ADJ
easat-5250	297	114	variance	variance	NOUN
easat-5250	297	115	extracted	extract	VERB
easat-5250	297	116	(	(	PUNCT
easat-5250	297	117	ave	ave	NOUN
easat-5250	297	118	)	)	PUNCT
easat-5250	297	119	values	value	NOUN
easat-5250	297	120	.	.	PUNCT
easat-5250	298	1	convergent	convergent	ADJ
easat-5250	298	2	validity	validity	NOUN
easat-5250	298	3	in	in	ADP
easat-5250	298	4	measurement	measurement	NOUN
easat-5250	298	5	models	model	NOUN
easat-5250	298	6	with	with	ADP
easat-5250	298	7	four	four	NUM
easat-5250	298	8	or	or	CCONJ
easat-5250	298	9	more	more	ADJ
easat-5250	298	10	indicators	indicator	NOUN
easat-5250	298	11	is	be	AUX
easat-5250	298	12	established	establish	VERB
easat-5250	298	13	when	when	SCONJ
easat-5250	298	14	indicator	indicator	NOUN
easat-5250	298	15	loadings	loading	NOUN
easat-5250	298	16	meet	meet	VERB
easat-5250	298	17	an	an	DET
easat-5250	298	18	acceptable	acceptable	ADJ
easat-5250	298	19	threshold	threshold	NOUN
easat-5250	298	20	≥0.70	≥0.70	PUNCT
easat-5250	299	1	[	[	X
easat-5250	299	2	58	58	NUM
easat-5250	299	3	]	]	PUNCT
easat-5250	299	4	or	or	CCONJ
easat-5250	299	5	when	when	SCONJ
easat-5250	299	6	the	the	DET
easat-5250	299	7	average	average	ADJ
easat-5250	299	8	variance	variance	NOUN
easat-5250	299	9	extracted	extract	VERB
easat-5250	299	10	(	(	PUNCT
easat-5250	299	11	ave	ave	PROPN
easat-5250	299	12	)	)	PUNCT
easat-5250	299	13	for	for	ADP
easat-5250	299	14	each	each	DET
easat-5250	299	15	variable	variable	NOUN
easat-5250	299	16	is	be	AUX
easat-5250	299	17	≥	≥	NUM
easat-5250	299	18	0.5	0.5	NUM
easat-5250	300	1	[	[	X
easat-5250	300	2	57	57	NUM
easat-5250	300	3	]	]	PUNCT
easat-5250	300	4	.	.	PUNCT
easat-5250	301	1	as	as	SCONJ
easat-5250	301	2	shown	show	VERB
easat-5250	301	3	in	in	ADP
easat-5250	301	4	table	table	NOUN
easat-5250	301	5	4	4	NUM
easat-5250	301	6	indicate	indicate	VERB
easat-5250	301	7	that	that	SCONJ
easat-5250	301	8	all	all	DET
easat-5250	301	9	indicators	indicator	NOUN
easat-5250	301	10	for	for	ADP
easat-5250	301	11	each	each	DET
easat-5250	301	12	variable	variable	NOUN
easat-5250	301	13	demonstrated	demonstrate	VERB
easat-5250	301	14	factor	factor	NOUN
easat-5250	301	15	loadings	loading	NOUN
easat-5250	301	16	exceeding	exceed	VERB
easat-5250	301	17	0.70	0.70	NUM
easat-5250	301	18	,	,	PUNCT
easat-5250	301	19	thereby	thereby	ADV
easat-5250	301	20	permitting	permit	VERB
easat-5250	301	21	their	their	PRON
easat-5250	301	22	retention	retention	NOUN
easat-5250	301	23	in	in	ADP
easat-5250	301	24	the	the	DET
easat-5250	301	25	analysis	analysis	NOUN
easat-5250	301	26	.	.	PUNCT
easat-5250	302	1	the	the	DET
easat-5250	302	2	ave	ave	PROPN
easat-5250	302	3	values	value	NOUN
easat-5250	302	4	for	for	ADP
easat-5250	302	5	all	all	DET
easat-5250	302	6	variables	variable	NOUN
easat-5250	302	7	exceeded	exceed	VERB
easat-5250	302	8	0.5	0.5	NUM
easat-5250	302	9	,	,	PUNCT
easat-5250	302	10	demonstrating	demonstrate	VERB
easat-5250	302	11	that	that	SCONJ
easat-5250	302	12	each	each	DET
easat-5250	302	13	variable	variable	NOUN
easat-5250	302	14	satisfied	satisfy	VERB
easat-5250	302	15	the	the	DET
easat-5250	302	16	required	require	VERB
easat-5250	302	17	503	503	NUM
easat-5250	302	18	edelweiss	edelweiss	PROPN
easat-5250	302	19	applied	apply	VERB
easat-5250	302	20	science	science	NOUN
easat-5250	302	21	and	and	CCONJ
easat-5250	302	22	technology	technology	NOUN
easat-5250	302	23	issn	issn	PROPN
easat-5250	302	24	:	:	PUNCT
easat-5250	302	25	2576	2576	NUM
easat-5250	302	26	-	-	SYM
easat-5250	302	27	8484	8484	NUM
easat-5250	302	28	vol	vol	NOUN
easat-5250	302	29	.	.	PROPN
easat-5250	303	1	9	9	NUM
easat-5250	303	2	,	,	PUNCT
easat-5250	303	3	no	no	INTJ
easat-5250	303	4	.	.	NOUN
easat-5250	304	1	3	3	NUM
easat-5250	304	2	:	:	PUNCT
easat-5250	304	3	489	489	NUM
easat-5250	304	4	-	-	SYM
easat-5250	304	5	510	510	NUM
easat-5250	304	6	,	,	PUNCT
easat-5250	304	7	2025	2025	NUM
easat-5250	304	8	doi	doi	NOUN
easat-5250	304	9	:	:	PUNCT
easat-5250	304	10	10.55214/25768484.v9i3.5250	10.55214/25768484.v9i3.5250	NUM
easat-5250	304	11	©	©	PROPN
easat-5250	304	12	2025	2025	NUM
easat-5250	304	13	by	by	ADP
easat-5250	304	14	the	the	DET
easat-5250	304	15	authors	author	NOUN
easat-5250	304	16	;	;	PUNCT
easat-5250	304	17	licensee	licensee	PROPN
easat-5250	304	18	learning	learning	NOUN
easat-5250	304	19	gate	gate	PROPN
easat-5250	304	20	validity	validity	NOUN
easat-5250	304	21	criteria	criterion	NOUN
easat-5250	304	22	.	.	PUNCT
easat-5250	305	1	the	the	DET
easat-5250	305	2	second	second	ADJ
easat-5250	305	3	type	type	NOUN
easat-5250	305	4	of	of	ADP
easat-5250	305	5	test	test	NOUN
easat-5250	305	6	is	be	AUX
easat-5250	305	7	discriminant	discriminant	ADJ
easat-5250	305	8	validity	validity	NOUN
easat-5250	305	9	using	use	VERB
easat-5250	305	10	fornell	fornell	NOUN
easat-5250	305	11	-	-	PUNCT
easat-5250	305	12	larcker	larcker	NOUN
easat-5250	305	13	criterion	criterion	NOUN
easat-5250	305	14	and	and	CCONJ
easat-5250	305	15	heterotrait	heterotrait	NOUN
easat-5250	305	16	-	-	PUNCT
easat-5250	305	17	monotrait	monotrait	NOUN
easat-5250	305	18	(	(	PUNCT
easat-5250	305	19	htmt	htmt	PROPN
easat-5250	305	20	)	)	PUNCT
easat-5250	305	21	.	.	PUNCT
easat-5250	306	1	table	table	NOUN
easat-5250	306	2	5	5	NUM
easat-5250	306	3	.	.	PUNCT
easat-5250	307	1	discriminant	discriminant	ADJ
easat-5250	307	2	validity	validity	NOUN
easat-5250	307	3	based	base	VERB
easat-5250	307	4	on	on	ADP
easat-5250	307	5	fornell	fornell	NOUN
easat-5250	307	6	-	-	PUNCT
easat-5250	307	7	larcker	larcker	NOUN
easat-5250	307	8	criterion	criterion	NOUN
easat-5250	307	9	.	.	PUNCT
easat-5250	308	1	variable	variable	ADJ
easat-5250	308	2	conv	conv	PROPN
easat-5250	308	3	cst	cst	PROPN
easat-5250	308	4	eff	eff	PROPN
easat-5250	308	5	ful	ful	PROPN
easat-5250	308	6	prom	prom	PROPN
easat-5250	308	7	sec	sec	PROPN
easat-5250	308	8	sys	sys	PROPN
easat-5250	308	9	tr	tr	VERB
easat-5250	308	10	conv	conv	NOUN
easat-5250	308	11	0.753	0.753	NUM
easat-5250	308	12	cst	cst	PROPN
easat-5250	308	13	0.564	0.564	NUM
easat-5250	308	14	0.757	0.757	NUM
easat-5250	308	15	eff	eff	PROPN
easat-5250	308	16	0.603	0.603	NUM
easat-5250	308	17	0.617	0.617	NUM
easat-5250	308	18	0.783	0.783	NUM
easat-5250	308	19	ful	ful	NOUN
easat-5250	308	20	0.521	0.521	NUM
easat-5250	308	21	0.484	0.484	NUM
easat-5250	308	22	0.600	0.600	NUM
easat-5250	308	23	0.747	0.747	NUM
easat-5250	308	24	prom	prom	NOUN
easat-5250	308	25	0.479	0.479	NUM
easat-5250	308	26	0.506	0.506	NUM
easat-5250	308	27	0.553	0.553	NUM
easat-5250	308	28	0.515	0.515	NUM
easat-5250	308	29	0.795	0.795	NUM
easat-5250	308	30	sec	sec	PROPN
easat-5250	308	31	0.558	0.558	NUM
easat-5250	308	32	0.535	0.535	NUM
easat-5250	308	33	0.609	0.609	NUM
easat-5250	308	34	0.587	0.587	NUM
easat-5250	308	35	0.544	0.544	NUM
easat-5250	308	36	0.759	0.759	NUM
easat-5250	308	37	sys	sys	NOUN
easat-5250	308	38	0.418	0.418	NUM
easat-5250	308	39	0.497	0.497	NUM
easat-5250	308	40	0.537	0.537	NUM
easat-5250	308	41	0.512	0.512	NUM
easat-5250	308	42	0.533	0.533	NUM
easat-5250	308	43	0.529	0.529	NUM
easat-5250	308	44	0.795	0.795	NUM
easat-5250	308	45	tr	tr	NOUN
easat-5250	308	46	0.548	0.548	SYM
easat-5250	308	47	0.568	0.568	NUM
easat-5250	308	48	0.611	0.611	NUM
easat-5250	308	49	0.576	0.576	NUM
easat-5250	308	50	0.525	0.525	NUM
easat-5250	308	51	0.638	0.638	NUM
easat-5250	308	52	0.587	0.587	NUM
easat-5250	308	53	0.758	0.758	NUM
easat-5250	308	54	according	accord	VERB
easat-5250	308	55	to	to	ADP
easat-5250	308	56	fornell	fornell	NOUN
easat-5250	308	57	and	and	CCONJ
easat-5250	308	58	larcker	larcker	X
easat-5250	309	1	[	[	X
easat-5250	309	2	59	59	NUM
easat-5250	309	3	]	]	PUNCT
easat-5250	309	4	criteria	criterion	NOUN
easat-5250	309	5	,	,	PUNCT
easat-5250	309	6	discriminant	discriminant	ADJ
easat-5250	309	7	validity	validity	NOUN
easat-5250	309	8	is	be	AUX
easat-5250	309	9	established	establish	VERB
easat-5250	309	10	when	when	SCONJ
easat-5250	309	11	the	the	DET
easat-5250	309	12	square	square	ADJ
easat-5250	309	13	root	root	NOUN
easat-5250	309	14	of	of	ADP
easat-5250	309	15	the	the	DET
easat-5250	309	16	average	average	ADJ
easat-5250	309	17	variance	variance	NOUN
easat-5250	309	18	extracted	extract	VERB
easat-5250	309	19	(	(	PUNCT
easat-5250	309	20	ave	ave	PROPN
easat-5250	309	21	)	)	PUNCT
easat-5250	309	22	for	for	ADP
easat-5250	309	23	each	each	DET
easat-5250	309	24	construct	construct	NOUN
easat-5250	309	25	exceeds	exceed	VERB
easat-5250	309	26	the	the	DET
easat-5250	309	27	inter	inter	ADJ
easat-5250	309	28	-	-	ADJ
easat-5250	309	29	construct	construct	ADJ
easat-5250	309	30	correlation	correlation	NOUN
easat-5250	309	31	within	within	ADP
easat-5250	309	32	the	the	DET
easat-5250	309	33	model	model	NOUN
easat-5250	309	34	.	.	PUNCT
easat-5250	310	1	table	table	NOUN
easat-5250	310	2	5	5	NUM
easat-5250	310	3	indicates	indicate	VERB
easat-5250	310	4	that	that	SCONJ
easat-5250	310	5	each	each	PRON
easat-5250	310	6	construct	construct	VERB
easat-5250	310	7	exhibits	exhibit	VERB
easat-5250	310	8	discriminant	discriminant	ADJ
easat-5250	310	9	validity	validity	NOUN
easat-5250	310	10	,	,	PUNCT
easat-5250	310	11	as	as	SCONJ
easat-5250	310	12	the	the	DET
easat-5250	310	13	square	square	ADJ
easat-5250	310	14	root	root	NOUN
easat-5250	310	15	of	of	ADP
easat-5250	310	16	the	the	DET
easat-5250	310	17	ave	ave	NOUN
easat-5250	310	18	(	(	PUNCT
easat-5250	310	19	presented	present	VERB
easat-5250	310	20	on	on	ADP
easat-5250	310	21	the	the	DET
easat-5250	310	22	diagonal	diagonal	ADJ
easat-5250	310	23	)	)	PUNCT
easat-5250	310	24	consistently	consistently	ADV
easat-5250	310	25	exceeds	exceed	VERB
easat-5250	310	26	the	the	DET
easat-5250	310	27	inter	inter	ADJ
easat-5250	310	28	-	-	ADJ
easat-5250	310	29	construct	construct	ADJ
easat-5250	310	30	correlations	correlation	NOUN
easat-5250	310	31	.	.	PUNCT
easat-5250	311	1	this	this	PRON
easat-5250	311	2	suggests	suggest	VERB
easat-5250	311	3	that	that	SCONJ
easat-5250	311	4	each	each	DET
easat-5250	311	5	construct	construct	NOUN
easat-5250	311	6	in	in	ADP
easat-5250	311	7	the	the	DET
easat-5250	311	8	model	model	NOUN
easat-5250	311	9	possesses	possess	VERB
easat-5250	311	10	a	a	DET
easat-5250	311	11	significant	significant	ADJ
easat-5250	311	12	degree	degree	NOUN
easat-5250	311	13	of	of	ADP
easat-5250	311	14	uniqueness	uniqueness	NOUN
easat-5250	311	15	,	,	PUNCT
easat-5250	311	16	allowing	allow	VERB
easat-5250	311	17	for	for	ADP
easat-5250	311	18	clear	clear	ADJ
easat-5250	311	19	differentiation	differentiation	NOUN
easat-5250	311	20	from	from	ADP
easat-5250	311	21	other	other	ADJ
easat-5250	311	22	constructs	construct	NOUN
easat-5250	311	23	.	.	PUNCT
easat-5250	312	1	table	table	NOUN
easat-5250	312	2	6	6	NUM
easat-5250	312	3	.	.	PUNCT
easat-5250	313	1	discriminant	discriminant	ADJ
easat-5250	313	2	validity	validity	NOUN
easat-5250	313	3	based	base	VERB
easat-5250	313	4	on	on	ADP
easat-5250	313	5	heterotrait	heterotrait	NOUN
easat-5250	313	6	-	-	PUNCT
easat-5250	313	7	monotrait	monotrait	NOUN
easat-5250	313	8	(	(	PUNCT
easat-5250	313	9	htmt	htmt	PROPN
easat-5250	313	10	)	)	PUNCT
easat-5250	313	11	.	.	PUNCT
easat-5250	314	1	variable	variable	ADJ
easat-5250	314	2	conv	conv	PROPN
easat-5250	314	3	cst	cst	PROPN
easat-5250	314	4	eff	eff	PROPN
easat-5250	314	5	ful	ful	PROPN
easat-5250	314	6	prom	prom	PROPN
easat-5250	314	7	sec	sec	PROPN
easat-5250	314	8	sys	sys	PROPN
easat-5250	314	9	tr	tr	VERB
easat-5250	314	10	conv	conv	ADJ
easat-5250	314	11	cst	cst	PROPN
easat-5250	314	12	0.741	0.741	NUM
easat-5250	314	13	eff	eff	PROPN
easat-5250	314	14	0.779	0.779	NUM
easat-5250	314	15	0.798	0.798	NUM
easat-5250	314	16	ful	ful	NOUN
easat-5250	314	17	0.666	0.666	NUM
easat-5250	314	18	0.615	0.615	NUM
easat-5250	314	19	0.747	0.747	NUM
easat-5250	314	20	prom	prom	NOUN
easat-5250	314	21	0.660	0.660	NUM
easat-5250	314	22	0.689	0.689	NUM
easat-5250	314	23	0.739	0.739	NUM
easat-5250	314	24	0.679	0.679	NUM
easat-5250	314	25	sec	sec	PROPN
easat-5250	314	26	0.733	0.733	NUM
easat-5250	314	27	0.704	0.704	NUM
easat-5250	314	28	0.783	0.783	NUM
easat-5250	314	29	0.752	0.752	NUM
easat-5250	314	30	0.742	0.742	NUM
easat-5250	314	31	sys	sys	NOUN
easat-5250	314	32	0.519	0.519	NUM
easat-5250	314	33	0.622	0.622	NUM
easat-5250	314	34	0.665	0.665	NUM
easat-5250	314	35	0.627	0.627	NUM
easat-5250	314	36	0.701	0.701	NUM
easat-5250	314	37	0.668	0.668	NUM
easat-5250	314	38	tr	tr	VERB
easat-5250	314	39	0.717	0.717	NUM
easat-5250	314	40	0.748	0.748	NUM
easat-5250	314	41	0.787	0.787	NUM
easat-5250	314	42	0.740	0.740	NUM
easat-5250	314	43	0.718	0.718	NUM
easat-5250	314	44	0.840	0.840	NUM
easat-5250	314	45	0.743	0.743	NUM
easat-5250	314	46	the	the	DET
easat-5250	314	47	heterotrait	heterotrait	ADJ
easat-5250	314	48	-	-	PUNCT
easat-5250	314	49	monotrait	monotrait	NOUN
easat-5250	314	50	ratio	ratio	NOUN
easat-5250	314	51	(	(	PUNCT
easat-5250	314	52	htmt	htmt	PROPN
easat-5250	314	53	)	)	PUNCT
easat-5250	314	54	of	of	ADP
easat-5250	314	55	correlations	correlation	NOUN
easat-5250	314	56	,	,	PUNCT
easat-5250	314	57	introduced	introduce	VERB
easat-5250	314	58	by	by	ADP
easat-5250	314	59	henseler	henseler	NOUN
easat-5250	314	60	,	,	PUNCT
easat-5250	314	61	et	et	PROPN
easat-5250	314	62	al	al	PROPN
easat-5250	314	63	.	.	PUNCT
easat-5250	315	1	[	[	X
easat-5250	315	2	60	60	NUM
easat-5250	315	3	]	]	PUNCT
easat-5250	315	4	,	,	PUNCT
easat-5250	315	5	serves	serve	VERB
easat-5250	315	6	as	as	ADP
easat-5250	315	7	a	a	DET
easat-5250	315	8	metric	metric	NOUN
easat-5250	315	9	for	for	ADP
easat-5250	315	10	evaluating	evaluate	VERB
easat-5250	315	11	discriminant	discriminant	ADJ
easat-5250	315	12	validity	validity	NOUN
easat-5250	315	13	,	,	PUNCT
easat-5250	315	14	providing	provide	VERB
easat-5250	315	15	enhanced	enhanced	ADJ
easat-5250	315	16	precision	precision	NOUN
easat-5250	315	17	and	and	CCONJ
easat-5250	315	18	sensitivity	sensitivity	NOUN
easat-5250	315	19	compared	compare	VERB
easat-5250	315	20	to	to	ADP
easat-5250	315	21	traditional	traditional	ADJ
easat-5250	315	22	methods	method	NOUN
easat-5250	315	23	.	.	PUNCT
easat-5250	316	1	henseler	henseler	PROPN
easat-5250	316	2	et	et	PROPN
easat-5250	316	3	al	al	PROPN
easat-5250	316	4	.	.	PROPN
easat-5250	316	5	proposed	propose	VERB
easat-5250	316	6	a	a	DET
easat-5250	316	7	threshold	threshold	NOUN
easat-5250	316	8	of	of	ADP
easat-5250	316	9	0.9	0.9	NUM
easat-5250	316	10	,	,	PUNCT
easat-5250	316	11	however	however	ADV
easat-5250	316	12	,	,	PUNCT
easat-5250	316	13	this	this	DET
easat-5250	316	14	study	study	NOUN
easat-5250	316	15	utilizes	utilize	VERB
easat-5250	316	16	a	a	DET
easat-5250	316	17	more	more	ADV
easat-5250	316	18	conservative	conservative	ADJ
easat-5250	316	19	threshold	threshold	NOUN
easat-5250	316	20	of	of	ADP
easat-5250	316	21	0.85	0.85	NUM
easat-5250	316	22	,	,	PUNCT
easat-5250	316	23	which	which	PRON
easat-5250	316	24	reflects	reflect	VERB
easat-5250	316	25	the	the	DET
easat-5250	316	26	unique	unique	ADJ
easat-5250	316	27	conceptual	conceptual	ADJ
easat-5250	316	28	nature	nature	NOUN
easat-5250	316	29	of	of	ADP
easat-5250	316	30	the	the	DET
easat-5250	316	31	constructs	construct	NOUN
easat-5250	316	32	involved	involve	VERB
easat-5250	316	33	.	.	PUNCT
easat-5250	317	1	table	table	NOUN
easat-5250	317	2	6	6	NUM
easat-5250	317	3	demonstrates	demonstrate	VERB
easat-5250	317	4	that	that	SCONJ
easat-5250	317	5	the	the	DET
easat-5250	317	6	htmt	htmt	PROPN
easat-5250	317	7	values	value	NOUN
easat-5250	317	8	show	show	VERB
easat-5250	317	9	correlations	correlation	NOUN
easat-5250	317	10	between	between	ADP
easat-5250	317	11	the	the	DET
easat-5250	317	12	constructs	construct	NOUN
easat-5250	317	13	ranging	range	VERB
easat-5250	317	14	from	from	ADP
easat-5250	317	15	0.519	0.519	NUM
easat-5250	317	16	to	to	ADP
easat-5250	317	17	0.840	0.840	NUM
easat-5250	317	18	,	,	PUNCT
easat-5250	317	19	all	all	PRON
easat-5250	317	20	of	of	ADP
easat-5250	317	21	which	which	PRON
easat-5250	317	22	are	be	AUX
easat-5250	317	23	below	below	ADP
easat-5250	317	24	the	the	DET
easat-5250	317	25	0.85	0.85	NUM
easat-5250	317	26	threshold	threshold	NOUN
easat-5250	317	27	.	.	PUNCT
easat-5250	318	1	this	this	PRON
easat-5250	318	2	suggests	suggest	VERB
easat-5250	318	3	that	that	SCONJ
easat-5250	318	4	each	each	DET
easat-5250	318	5	construct	construct	NOUN
easat-5250	318	6	is	be	AUX
easat-5250	318	7	clearly	clearly	ADV
easat-5250	318	8	differentiated	differentiate	VERB
easat-5250	318	9	from	from	ADP
easat-5250	318	10	the	the	DET
easat-5250	318	11	others	other	NOUN
easat-5250	318	12	.	.	PUNCT
easat-5250	319	1	the	the	DET
easat-5250	319	2	low	low	ADJ
easat-5250	319	3	inter	inter	ADJ
easat-5250	319	4	-	-	ADJ
easat-5250	319	5	construct	construct	ADJ
easat-5250	319	6	correlations	correlation	NOUN
easat-5250	319	7	,	,	PUNCT
easat-5250	319	8	all	all	PRON
easat-5250	319	9	under	under	ADP
easat-5250	319	10	0.85	0.85	NUM
easat-5250	319	11	,	,	PUNCT
easat-5250	319	12	indicate	indicate	VERB
easat-5250	319	13	that	that	SCONJ
easat-5250	319	14	the	the	DET
easat-5250	319	15	model	model	NOUN
easat-5250	319	16	maintains	maintain	VERB
easat-5250	319	17	discriminant	discriminant	ADJ
easat-5250	319	18	validity	validity	NOUN
easat-5250	319	19	.	.	PUNCT
easat-5250	320	1	the	the	DET
easat-5250	320	2	htmt	htmt	PROPN
easat-5250	320	3	criterion	criterion	NOUN
easat-5250	320	4	demonstrates	demonstrate	VERB
easat-5250	320	5	that	that	SCONJ
easat-5250	320	6	the	the	DET
easat-5250	320	7	constructs	construct	NOUN
easat-5250	320	8	in	in	ADP
easat-5250	320	9	this	this	DET
easat-5250	320	10	study	study	NOUN
easat-5250	320	11	are	be	AUX
easat-5250	320	12	distinct	distinct	ADJ
easat-5250	320	13	and	and	CCONJ
easat-5250	320	14	represent	represent	VERB
easat-5250	320	15	different	different	ADJ
easat-5250	320	16	dimensions	dimension	NOUN
easat-5250	320	17	of	of	ADP
easat-5250	320	18	the	the	DET
easat-5250	320	19	underlying	underlie	VERB
easat-5250	320	20	concepts	concept	NOUN
easat-5250	320	21	.	.	PUNCT
easat-5250	321	1	504	504	NUM
easat-5250	321	2	edelweiss	edelweiss	PROPN
easat-5250	321	3	applied	apply	VERB
easat-5250	321	4	science	science	NOUN
easat-5250	321	5	and	and	CCONJ
easat-5250	321	6	technology	technology	NOUN
easat-5250	321	7	issn	issn	PROPN
easat-5250	321	8	:	:	PUNCT
easat-5250	321	9	2576	2576	NUM
easat-5250	321	10	-	-	SYM
easat-5250	321	11	8484	8484	NUM
easat-5250	321	12	vol	vol	NOUN
easat-5250	321	13	.	.	PROPN
easat-5250	322	1	9	9	NUM
easat-5250	322	2	,	,	PUNCT
easat-5250	322	3	no	no	INTJ
easat-5250	322	4	.	.	NOUN
easat-5250	323	1	3	3	NUM
easat-5250	323	2	:	:	PUNCT
easat-5250	323	3	489	489	NUM
easat-5250	323	4	-	-	SYM
easat-5250	323	5	510	510	NUM
easat-5250	323	6	,	,	PUNCT
easat-5250	323	7	2025	2025	NUM
easat-5250	323	8	doi	doi	NOUN
easat-5250	323	9	:	:	PUNCT
easat-5250	323	10	10.55214/25768484.v9i3.5250	10.55214/25768484.v9i3.5250	NUM
easat-5250	323	11	©	©	PROPN
easat-5250	323	12	2025	2025	NUM
easat-5250	323	13	by	by	ADP
easat-5250	323	14	the	the	DET
easat-5250	323	15	authors	author	NOUN
easat-5250	323	16	;	;	PUNCT
easat-5250	323	17	licensee	licensee	PROPN
easat-5250	323	18	learning	learn	VERB
easat-5250	323	19	gate	gate	NOUN
easat-5250	323	20	table	table	NOUN
easat-5250	323	21	7	7	NUM
easat-5250	323	22	.	.	PUNCT
easat-5250	324	1	the	the	DET
easat-5250	324	2	value	value	NOUN
easat-5250	324	3	of	of	ADP
easat-5250	324	4	composite	composite	ADJ
easat-5250	324	5	reliability	reliability	NOUN
easat-5250	324	6	,	,	PUNCT
easat-5250	324	7	r	r	NOUN
easat-5250	324	8	square	square	NOUN
easat-5250	324	9	,	,	PUNCT
easat-5250	324	10	and	and	CCONJ
easat-5250	324	11	cronbach	cronbach	VERB
easat-5250	324	12	’s	’s	PART
easat-5250	324	13	alpha	alpha	NOUN
easat-5250	324	14	.	.	PUNCT
easat-5250	325	1	variable	variable	PROPN
easat-5250	325	2	cronbach	cronbach	PROPN
easat-5250	325	3	's	's	PART
easat-5250	325	4	alpha	alpha	ADJ
easat-5250	325	5	composite	composite	ADJ
easat-5250	325	6	reliability	reliability	NOUN
easat-5250	325	7	r	r	NOUN
easat-5250	325	8	square	square	ADJ
easat-5250	325	9	conv	conv	NOUN
easat-5250	325	10	0.747	0.747	NUM
easat-5250	325	11	0.839	0.839	NUM
easat-5250	325	12	cst	cst	PROPN
easat-5250	325	13	0.752	0.752	NUM
easat-5250	325	14	0.843	0.843	NUM
easat-5250	325	15	0.492	0.492	NUM
easat-5250	325	16	eff	eff	PROPN
easat-5250	325	17	0.789	0.789	NUM
easat-5250	325	18	0.863	0.863	NUM
easat-5250	325	19	ful	ful	NOUN
easat-5250	325	20	0.802	0.802	NUM
easat-5250	325	21	0.863	0.863	NUM
easat-5250	325	22	prom	prom	NOUN
easat-5250	325	23	0.707	0.707	NUM
easat-5250	325	24	0.837	0.837	NUM
easat-5250	325	25	sec	sec	PROPN
easat-5250	325	26	0.755	0.755	NUM
easat-5250	325	27	0.845	0.845	NUM
easat-5250	325	28	sys	sys	VERB
easat-5250	325	29	0.809	0.809	NUM
easat-5250	325	30	0.873	0.873	NUM
easat-5250	325	31	tr	tr	NUM
easat-5250	325	32	0.754	0.754	NUM
easat-5250	325	33	0.844	0.844	NUM
easat-5250	326	1	this	this	DET
easat-5250	326	2	study	study	NOUN
easat-5250	326	3	evaluates	evaluate	VERB
easat-5250	326	4	the	the	DET
easat-5250	326	5	measurement	measurement	NOUN
easat-5250	326	6	model	model	NOUN
easat-5250	326	7	's	's	PART
easat-5250	326	8	internal	internal	ADJ
easat-5250	326	9	consistency	consistency	NOUN
easat-5250	326	10	using	use	VERB
easat-5250	326	11	cronbach	cronbach	NOUN
easat-5250	326	12	's	's	PART
easat-5250	326	13	alpha	alpha	NOUN
easat-5250	326	14	and	and	CCONJ
easat-5250	326	15	composite	composite	ADJ
easat-5250	326	16	reliability	reliability	NOUN
easat-5250	326	17	(	(	PUNCT
easat-5250	326	18	cr	cr	NOUN
easat-5250	326	19	)	)	PUNCT
easat-5250	326	20	.	.	PUNCT
easat-5250	327	1	cronbach	cronbach	PROPN
easat-5250	327	2	's	's	PART
easat-5250	327	3	alpha	alpha	ADJ
easat-5250	327	4	values	value	NOUN
easat-5250	327	5	above	above	ADP
easat-5250	327	6	0.70	0.70	NUM
easat-5250	327	7	indicate	indicate	VERB
easat-5250	327	8	good	good	ADJ
easat-5250	327	9	internal	internal	ADJ
easat-5250	327	10	consistency	consistency	NOUN
easat-5250	327	11	[	[	X
easat-5250	327	12	56	56	NUM
easat-5250	327	13	]	]	PUNCT
easat-5250	327	14	.	.	PUNCT
easat-5250	328	1	composite	composite	ADJ
easat-5250	328	2	reliability	reliability	NOUN
easat-5250	328	3	assesses	assess	VERB
easat-5250	328	4	the	the	DET
easat-5250	328	5	reliability	reliability	NOUN
easat-5250	328	6	of	of	ADP
easat-5250	328	7	indicators	indicator	NOUN
easat-5250	328	8	for	for	ADP
easat-5250	328	9	latent	latent	NOUN
easat-5250	328	10	constructs	construct	NOUN
easat-5250	328	11	,	,	PUNCT
easat-5250	328	12	with	with	ADP
easat-5250	328	13	recommended	recommend	VERB
easat-5250	328	14	values	value	NOUN
easat-5250	328	15	between	between	ADP
easat-5250	328	16	0.70	0.70	NUM
easat-5250	328	17	and	and	CCONJ
easat-5250	328	18	0.90	0.90	NUM
easat-5250	328	19	.	.	PUNCT
easat-5250	329	1	cronbach	cronbach	PROPN
easat-5250	329	2	's	's	PART
easat-5250	329	3	alpha	alpha	NOUN
easat-5250	329	4	values	value	NOUN
easat-5250	329	5	ranged	range	VERB
easat-5250	329	6	from	from	ADP
easat-5250	329	7	0.707	0.707	NUM
easat-5250	329	8	to	to	ADP
easat-5250	329	9	0.809	0.809	NUM
easat-5250	329	10	,	,	PUNCT
easat-5250	329	11	showing	show	VERB
easat-5250	329	12	adequate	adequate	ADJ
easat-5250	329	13	reliability	reliability	NOUN
easat-5250	329	14	.	.	PUNCT
easat-5250	330	1	table	table	NOUN
easat-5250	330	2	7	7	NUM
easat-5250	330	3	shows	show	VERB
easat-5250	330	4	composite	composite	ADJ
easat-5250	330	5	reliability	reliability	NOUN
easat-5250	330	6	ranged	range	VERB
easat-5250	330	7	from	from	ADP
easat-5250	330	8	0.837	0.837	NUM
easat-5250	330	9	to	to	ADP
easat-5250	330	10	0.873	0.873	NUM
easat-5250	330	11	,	,	PUNCT
easat-5250	330	12	indicating	indicate	VERB
easat-5250	330	13	good	good	ADJ
easat-5250	330	14	internal	internal	ADJ
easat-5250	330	15	consistency	consistency	NOUN
easat-5250	330	16	of	of	ADP
easat-5250	330	17	the	the	DET
easat-5250	330	18	constructs	construct	NOUN
easat-5250	330	19	in	in	ADP
easat-5250	330	20	this	this	DET
easat-5250	330	21	model	model	NOUN
easat-5250	330	22	.	.	PUNCT
easat-5250	331	1	cronbach	cronbach	PROPN
easat-5250	331	2	's	's	PART
easat-5250	331	3	alpha	alpha	NOUN
easat-5250	331	4	indicates	indicate	VERB
easat-5250	331	5	the	the	DET
easat-5250	331	6	minimum	minimum	ADJ
easat-5250	331	7	reliability	reliability	NOUN
easat-5250	331	8	,	,	PUNCT
easat-5250	331	9	whereas	whereas	SCONJ
easat-5250	331	10	composite	composite	ADJ
easat-5250	331	11	reliability	reliability	NOUN
easat-5250	331	12	represents	represent	VERB
easat-5250	331	13	the	the	DET
easat-5250	331	14	maximum	maximum	NOUN
easat-5250	331	15	.	.	PUNCT
easat-5250	332	1	the	the	DET
easat-5250	332	2	composite	composite	ADJ
easat-5250	332	3	reliability	reliability	NOUN
easat-5250	332	4	value	value	NOUN
easat-5250	332	5	typically	typically	ADV
easat-5250	332	6	ranges	range	VERB
easat-5250	332	7	between	between	ADP
easat-5250	332	8	these	these	DET
easat-5250	332	9	two	two	NUM
easat-5250	332	10	figures	figure	NOUN
easat-5250	332	11	,	,	PUNCT
easat-5250	332	12	indicating	indicate	VERB
easat-5250	332	13	a	a	DET
easat-5250	332	14	reliable	reliable	ADJ
easat-5250	332	15	level	level	NOUN
easat-5250	332	16	of	of	ADP
easat-5250	332	17	internal	internal	ADJ
easat-5250	332	18	consistency	consistency	NOUN
easat-5250	332	19	.	.	PUNCT
easat-5250	333	1	the	the	DET
easat-5250	333	2	results	result	NOUN
easat-5250	333	3	show	show	VERB
easat-5250	333	4	that	that	SCONJ
easat-5250	333	5	the	the	DET
easat-5250	333	6	measurement	measurement	NOUN
easat-5250	333	7	model	model	NOUN
easat-5250	333	8	in	in	ADP
easat-5250	333	9	this	this	DET
easat-5250	333	10	study	study	NOUN
easat-5250	333	11	has	have	VERB
easat-5250	333	12	strong	strong	ADJ
easat-5250	333	13	internal	internal	ADJ
easat-5250	333	14	consistency	consistency	NOUN
easat-5250	333	15	.	.	PUNCT
easat-5250	334	1	additionally	additionally	ADV
easat-5250	334	2	,	,	PUNCT
easat-5250	334	3	r	r	PROPN
easat-5250	334	4	square	square	NOUN
easat-5250	334	5	serves	serve	VERB
easat-5250	334	6	as	as	ADP
easat-5250	334	7	a	a	DET
easat-5250	334	8	metric	metric	NOUN
easat-5250	334	9	to	to	PART
easat-5250	334	10	assess	assess	VERB
easat-5250	334	11	the	the	DET
easat-5250	334	12	influence	influence	NOUN
easat-5250	334	13	of	of	ADP
easat-5250	334	14	the	the	DET
easat-5250	334	15	independent	independent	ADJ
easat-5250	334	16	variable	variable	NOUN
easat-5250	334	17	on	on	ADP
easat-5250	334	18	the	the	DET
easat-5250	334	19	dependent	dependent	ADJ
easat-5250	334	20	variable	variable	NOUN
easat-5250	334	21	.	.	PUNCT
easat-5250	335	1	the	the	DET
easat-5250	335	2	r	r	NOUN
easat-5250	335	3	square	square	ADJ
easat-5250	335	4	value	value	NOUN
easat-5250	335	5	for	for	ADP
easat-5250	335	6	customer	customer	NOUN
easat-5250	335	7	satisfaction	satisfaction	NOUN
easat-5250	335	8	is	be	AUX
easat-5250	335	9	0.492	0.492	NUM
easat-5250	335	10	(	(	PUNCT
easat-5250	335	11	table	table	NOUN
easat-5250	335	12	7	7	NUM
easat-5250	335	13	)	)	PUNCT
easat-5250	335	14	,	,	PUNCT
easat-5250	335	15	indicating	indicate	VERB
easat-5250	335	16	that	that	SCONJ
easat-5250	335	17	approximately	approximately	ADV
easat-5250	335	18	49.2	49.2	NUM
easat-5250	335	19	%	%	NOUN
easat-5250	335	20	of	of	ADP
easat-5250	335	21	its	its	PRON
easat-5250	335	22	variability	variability	NOUN
easat-5250	335	23	is	be	AUX
easat-5250	335	24	explained	explain	VERB
easat-5250	335	25	by	by	ADP
easat-5250	335	26	the	the	DET
easat-5250	335	27	independent	independent	ADJ
easat-5250	335	28	variables	variable	NOUN
easat-5250	335	29	in	in	ADP
easat-5250	335	30	the	the	DET
easat-5250	335	31	model	model	NOUN
easat-5250	335	32	.	.	PUNCT
easat-5250	336	1	this	this	DET
easat-5250	336	2	value	value	NOUN
easat-5250	336	3	is	be	AUX
easat-5250	336	4	categorized	categorize	VERB
easat-5250	336	5	as	as	ADP
easat-5250	336	6	moderate	moderate	ADJ
easat-5250	336	7	[	[	X
easat-5250	336	8	35	35	NUM
easat-5250	336	9	]	]	PUNCT
easat-5250	336	10	indicating	indicate	VERB
easat-5250	336	11	that	that	SCONJ
easat-5250	336	12	the	the	DET
easat-5250	336	13	model	model	NOUN
easat-5250	336	14	effectively	effectively	ADV
easat-5250	336	15	explains	explain	VERB
easat-5250	336	16	how	how	SCONJ
easat-5250	336	17	perceived	perceive	VERB
easat-5250	336	18	use	use	NOUN
easat-5250	336	19	of	of	ADP
easat-5250	336	20	digital	digital	PROPN
easat-5250	336	21	bank	bank	NOUN
easat-5250	336	22	services	service	NOUN
easat-5250	336	23	impacts	impact	VERB
easat-5250	336	24	customer	customer	NOUN
easat-5250	336	25	satisfaction	satisfaction	NOUN
easat-5250	336	26	.	.	PUNCT
easat-5250	337	1	5.5	5.5	NUM
easat-5250	337	2	.	.	PUNCT
easat-5250	338	1	inner	inner	ADJ
easat-5250	338	2	model	model	NOUN
easat-5250	338	3	(	(	PUNCT
easat-5250	338	4	structural	structural	ADJ
easat-5250	338	5	model	model	NOUN
easat-5250	338	6	)	)	PUNCT
easat-5250	338	7	the	the	DET
easat-5250	338	8	significance	significance	NOUN
easat-5250	338	9	of	of	ADP
easat-5250	338	10	the	the	DET
easat-5250	338	11	association	association	NOUN
easat-5250	338	12	between	between	ADP
easat-5250	338	13	latent	latent	NOUN
easat-5250	338	14	variables	variable	NOUN
easat-5250	338	15	in	in	ADP
easat-5250	338	16	a	a	DET
easat-5250	338	17	model	model	NOUN
easat-5250	338	18	is	be	AUX
easat-5250	338	19	ascertained	ascertain	VERB
easat-5250	338	20	using	use	VERB
easat-5250	338	21	the	the	DET
easat-5250	338	22	path	path	NOUN
easat-5250	338	23	coefficient	coefficient	NOUN
easat-5250	338	24	.	.	PUNCT
easat-5250	339	1	the	the	DET
easat-5250	339	2	bootstrapping	bootstrappe	VERB
easat-5250	339	3	process	process	NOUN
easat-5250	339	4	in	in	ADP
easat-5250	339	5	the	the	DET
easat-5250	339	6	smartpls	smartpls	NOUN
easat-5250	339	7	will	will	AUX
easat-5250	339	8	yield	yield	VERB
easat-5250	339	9	a	a	DET
easat-5250	339	10	t	t	NOUN
easat-5250	339	11	-	-	PUNCT
easat-5250	339	12	statistic	statistic	NOUN
easat-5250	339	13	value	value	NOUN
easat-5250	339	14	,	,	PUNCT
easat-5250	339	15	which	which	PRON
easat-5250	339	16	is	be	AUX
easat-5250	339	17	then	then	ADV
easat-5250	339	18	provided	provide	VERB
easat-5250	339	19	as	as	ADP
easat-5250	339	20	a	a	DET
easat-5250	339	21	p	p	NOUN
easat-5250	339	22	-	-	PUNCT
easat-5250	339	23	value	value	NOUN
easat-5250	339	24	.	.	PUNCT
easat-5250	340	1	the	the	DET
easat-5250	340	2	t	t	NOUN
easat-5250	340	3	-	-	PUNCT
easat-5250	340	4	statistic	statistic	NOUN
easat-5250	340	5	value	value	NOUN
easat-5250	340	6	and	and	CCONJ
easat-5250	340	7	the	the	DET
easat-5250	340	8	t	t	NOUN
easat-5250	340	9	-	-	PUNCT
easat-5250	340	10	table	table	NOUN
easat-5250	340	11	value	value	NOUN
easat-5250	340	12	are	be	AUX
easat-5250	340	13	compared	compare	VERB
easat-5250	340	14	in	in	ADP
easat-5250	340	15	this	this	DET
easat-5250	340	16	investigation	investigation	NOUN
easat-5250	340	17	.	.	PUNCT
easat-5250	341	1	if	if	SCONJ
easat-5250	341	2	the	the	DET
easat-5250	341	3	p	p	NOUN
easat-5250	341	4	-	-	PUNCT
easat-5250	341	5	value	value	NOUN
easat-5250	341	6	is	be	AUX
easat-5250	341	7	less	less	ADJ
easat-5250	341	8	than	than	ADP
easat-5250	341	9	0.05	0.05	NUM
easat-5250	341	10	or	or	CCONJ
easat-5250	341	11	the	the	DET
easat-5250	341	12	t	t	NOUN
easat-5250	341	13	-	-	PUNCT
easat-5250	341	14	statistic	statistic	NOUN
easat-5250	341	15	value	value	NOUN
easat-5250	341	16	is	be	AUX
easat-5250	341	17	more	more	ADJ
easat-5250	341	18	than	than	ADP
easat-5250	341	19	the	the	DET
easat-5250	341	20	t	t	NOUN
easat-5250	341	21	-	-	PUNCT
easat-5250	341	22	table	table	NOUN
easat-5250	341	23	value	value	NOUN
easat-5250	341	24	,	,	PUNCT
easat-5250	341	25	the	the	DET
easat-5250	341	26	link	link	NOUN
easat-5250	341	27	between	between	ADP
easat-5250	341	28	the	the	DET
easat-5250	341	29	variables	variable	NOUN
easat-5250	341	30	is	be	AUX
easat-5250	341	31	deemed	deem	VERB
easat-5250	341	32	significant	significant	ADJ
easat-5250	341	33	[	[	X
easat-5250	341	34	56	56	NUM
easat-5250	341	35	]	]	PUNCT
easat-5250	341	36	.	.	PUNCT
easat-5250	342	1	with	with	ADP
easat-5250	342	2	a	a	DET
easat-5250	342	3	95	95	NUM
easat-5250	342	4	%	%	NOUN
easat-5250	342	5	confidence	confidence	NOUN
easat-5250	342	6	level	level	NOUN
easat-5250	342	7	(	(	PUNCT
easat-5250	342	8	or	or	CCONJ
easat-5250	342	9	5	5	NUM
easat-5250	342	10	%	%	NOUN
easat-5250	342	11	significance	significance	NOUN
easat-5250	342	12	level	level	NOUN
easat-5250	342	13	)	)	PUNCT
easat-5250	342	14	,	,	PUNCT
easat-5250	342	15	the	the	DET
easat-5250	342	16	reference	reference	NOUN
easat-5250	342	17	t	t	PROPN
easat-5250	342	18	-	-	PUNCT
easat-5250	342	19	table	table	NOUN
easat-5250	342	20	value	value	NOUN
easat-5250	342	21	is	be	AUX
easat-5250	342	22	1.96	1.96	NUM
easat-5250	342	23	.	.	PUNCT
easat-5250	343	1	table	table	NOUN
easat-5250	343	2	8	8	NUM
easat-5250	343	3	.	.	PUNCT
easat-5250	344	1	path	path	PROPN
easat-5250	344	2	coefficient	coefficient	PROPN
easat-5250	344	3	,	,	PUNCT
easat-5250	344	4	t	t	PROPN
easat-5250	344	5	-	-	PUNCT
easat-5250	344	6	statistics	statistic	NOUN
easat-5250	344	7	,	,	PUNCT
easat-5250	344	8	and	and	CCONJ
easat-5250	344	9	p	p	NOUN
easat-5250	344	10	values	value	NOUN
easat-5250	344	11	.	.	PUNCT
easat-5250	345	1	hypothesis	hypothesis	NOUN
easat-5250	345	2	variable	variable	ADJ
easat-5250	345	3	path	path	PROPN
easat-5250	345	4	coefficient	coefficient	PROPN
easat-5250	345	5	t	t	PROPN
easat-5250	345	6	statistics	statistic	NOUN
easat-5250	345	7	p	p	NOUN
easat-5250	345	8	values	value	NOUN
easat-5250	345	9	interpretation	interpretation	NOUN
easat-5250	345	10	h1	h1	PROPN
easat-5250	345	11	eff	eff	PROPN
easat-5250	345	12	-	-	PUNCT
easat-5250	345	13	>	>	X
easat-5250	345	14	cst	cst	PROPN
easat-5250	345	15	0.257	0.257	NUM
easat-5250	345	16	3.888	3.888	NUM
easat-5250	345	17	0.000	0.000	NUM
easat-5250	345	18	significant	significant	ADJ
easat-5250	345	19	h2	h2	NOUN
easat-5250	345	20	ful	ful	NOUN
easat-5250	345	21	-	-	PUNCT
easat-5250	345	22	>	>	X
easat-5250	345	23	cst	cst	PROPN
easat-5250	345	24	-0.004	-0.004	PROPN
easat-5250	345	25	0.099	0.099	NUM
easat-5250	345	26	0.921	0.921	NUM
easat-5250	345	27	insignificant	insignificant	ADJ
easat-5250	345	28	h3	h3	NOUN
easat-5250	345	29	sys	sys	VERB
easat-5250	345	30	-	-	PUNCT
easat-5250	345	31	>	>	X
easat-5250	345	32	cst	cst	PROPN
easat-5250	345	33	0.100	0.100	NUM
easat-5250	345	34	1.819	1.819	NUM
easat-5250	345	35	0.069	0.069	NUM
easat-5250	345	36	insignificant	insignificant	ADJ
easat-5250	345	37	h4	h4	NOUN
easat-5250	345	38	sec	sec	PROPN
easat-5250	345	39	-	-	PUNCT
easat-5250	345	40	>	>	X
easat-5250	345	41	cst	cst	PROPN
easat-5250	345	42	0.064	0.064	NUM
easat-5250	345	43	1.198	1.198	NUM
easat-5250	345	44	0.231	0.231	NUM
easat-5250	345	45	insignificant	insignificant	ADJ
easat-5250	345	46	h5	h5	NOUN
easat-5250	345	47	tr	tr	NOUN
easat-5250	345	48	-	-	PUNCT
easat-5250	345	49	>	>	X
easat-5250	345	50	cst	cst	PROPN
easat-5250	345	51	0.149	0.149	NUM
easat-5250	345	52	2.310	2.310	NUM
easat-5250	345	53	0.021	0.021	NUM
easat-5250	345	54	significant	significant	ADJ
easat-5250	345	55	h6	h6	PROPN
easat-5250	345	56	conv	conv	PROPN
easat-5250	345	57	-	-	PUNCT
easat-5250	345	58	>	>	X
easat-5250	345	59	cst	cst	PROPN
easat-5250	345	60	0.203	0.203	NUM
easat-5250	345	61	2.650	2.650	NUM
easat-5250	345	62	0.008	0.008	NUM
easat-5250	345	63	significant	significant	ADJ
easat-5250	345	64	h7	h7	PROPN
easat-5250	345	65	prom	prom	PROPN
easat-5250	345	66	-	-	PUNCT
easat-5250	345	67	>	>	X
easat-5250	345	68	cst	cst	PROPN
easat-5250	345	69	0.103	0.103	NUM
easat-5250	345	70	2.148	2.148	NUM
easat-5250	345	71	0.032	0.032	NUM
easat-5250	345	72	significant	significant	ADJ
easat-5250	345	73	customer	customer	NOUN
easat-5250	345	74	satisfaction	satisfaction	NOUN
easat-5250	345	75	is	be	AUX
easat-5250	345	76	significantly	significantly	ADV
easat-5250	345	77	impacted	impact	VERB
easat-5250	345	78	by	by	ADP
easat-5250	345	79	efficiency	efficiency	NOUN
easat-5250	345	80	,	,	PUNCT
easat-5250	345	81	trust	trust	NOUN
easat-5250	345	82	,	,	PUNCT
easat-5250	345	83	convenience	convenience	NOUN
easat-5250	345	84	,	,	PUNCT
easat-5250	345	85	and	and	CCONJ
easat-5250	345	86	promotion	promotion	NOUN
easat-5250	345	87	policies	policy	NOUN
easat-5250	345	88	,	,	PUNCT
easat-5250	345	89	according	accord	VERB
easat-5250	345	90	to	to	ADP
easat-5250	345	91	the	the	DET
easat-5250	345	92	analysis	analysis	NOUN
easat-5250	345	93	results	result	NOUN
easat-5250	345	94	,	,	PUNCT
easat-5250	345	95	which	which	PRON
easat-5250	345	96	are	be	AUX
easat-5250	345	97	displayed	display	VERB
easat-5250	345	98	in	in	ADP
easat-5250	345	99	table	table	NOUN
easat-5250	345	100	8	8	NUM
easat-5250	345	101	.	.	PUNCT
easat-5250	346	1	this	this	PRON
easat-5250	346	2	suggests	suggest	VERB
easat-5250	346	3	that	that	SCONJ
easat-5250	346	4	advertising	advertising	NOUN
easat-5250	346	5	policies	policy	NOUN
easat-5250	346	6	,	,	PUNCT
easat-5250	346	7	ease	ease	NOUN
easat-5250	346	8	,	,	PUNCT
easat-5250	346	9	trust	trust	NOUN
easat-5250	346	10	,	,	PUNCT
easat-5250	346	11	and	and	CCONJ
easat-5250	346	12	service	service	NOUN
easat-5250	346	13	effectiveness	effectiveness	NOUN
easat-5250	346	14	are	be	AUX
easat-5250	346	15	critical	critical	ADJ
easat-5250	346	16	components	component	NOUN
easat-5250	346	17	in	in	ADP
easat-5250	346	18	raising	raise	VERB
easat-5250	346	19	customer	customer	NOUN
easat-5250	346	20	satisfaction	satisfaction	NOUN
easat-5250	346	21	.	.	PUNCT
easat-5250	347	1	fulfillment	fulfillment	NOUN
easat-5250	347	2	,	,	PUNCT
easat-5250	347	3	system	system	NOUN
easat-5250	347	4	availability	availability	NOUN
easat-5250	347	5	,	,	PUNCT
easat-5250	347	6	and	and	CCONJ
easat-5250	347	7	security	security	NOUN
easat-5250	347	8	,	,	PUNCT
easat-5250	347	9	on	on	ADP
easat-5250	347	10	the	the	DET
easat-5250	347	11	other	other	ADJ
easat-5250	347	12	hand	hand	NOUN
easat-5250	347	13	,	,	PUNCT
easat-5250	347	14	do	do	AUX
easat-5250	347	15	not	not	PART
easat-5250	347	16	exhibit	exhibit	VERB
easat-5250	347	17	a	a	DET
easat-5250	347	18	significant	significant	ADJ
easat-5250	347	19	effect	effect	NOUN
easat-5250	347	20	,	,	PUNCT
easat-5250	347	21	505	505	NUM
easat-5250	347	22	edelweiss	edelweiss	PROPN
easat-5250	347	23	applied	apply	VERB
easat-5250	347	24	science	science	NOUN
easat-5250	347	25	and	and	CCONJ
easat-5250	347	26	technology	technology	NOUN
easat-5250	347	27	issn	issn	PROPN
easat-5250	347	28	:	:	PUNCT
easat-5250	347	29	2576	2576	NUM
easat-5250	347	30	-	-	SYM
easat-5250	347	31	8484	8484	NUM
easat-5250	347	32	vol	vol	NOUN
easat-5250	347	33	.	.	PROPN
easat-5250	348	1	9	9	NUM
easat-5250	348	2	,	,	PUNCT
easat-5250	348	3	no	no	INTJ
easat-5250	348	4	.	.	NOUN
easat-5250	349	1	3	3	NUM
easat-5250	349	2	:	:	PUNCT
easat-5250	349	3	489	489	NUM
easat-5250	349	4	-	-	SYM
easat-5250	349	5	510	510	NUM
easat-5250	349	6	,	,	PUNCT
easat-5250	349	7	2025	2025	NUM
easat-5250	349	8	doi	doi	NOUN
easat-5250	349	9	:	:	PUNCT
easat-5250	349	10	10.55214/25768484.v9i3.5250	10.55214/25768484.v9i3.5250	NUM
easat-5250	349	11	©	©	PROPN
easat-5250	349	12	2025	2025	NUM
easat-5250	349	13	by	by	ADP
easat-5250	349	14	the	the	DET
easat-5250	349	15	authors	author	NOUN
easat-5250	349	16	;	;	PUNCT
easat-5250	349	17	licensee	licensee	PROPN
easat-5250	349	18	learning	learn	VERB
easat-5250	349	19	gate	gate	PROPN
easat-5250	349	20	suggesting	suggest	VERB
easat-5250	349	21	that	that	SCONJ
easat-5250	349	22	consumers	consumer	NOUN
easat-5250	349	23	may	may	AUX
easat-5250	349	24	not	not	PART
easat-5250	349	25	truly	truly	ADV
easat-5250	349	26	perceive	perceive	VERB
easat-5250	349	27	how	how	SCONJ
easat-5250	349	28	these	these	DET
easat-5250	349	29	characteristics	characteristic	NOUN
easat-5250	349	30	affect	affect	VERB
easat-5250	349	31	their	their	PRON
easat-5250	349	32	level	level	NOUN
easat-5250	349	33	of	of	ADP
easat-5250	349	34	satifaction	satifaction	NOUN
easat-5250	349	35	in	in	ADP
easat-5250	349	36	digital	digital	ADJ
easat-5250	349	37	banking	banking	NOUN
easat-5250	349	38	services	service	NOUN
easat-5250	349	39	.	.	PUNCT
easat-5250	350	1	5.6	5.6	NUM
easat-5250	350	2	.	.	PUNCT
easat-5250	350	3	discussion	discussion	NOUN
easat-5250	350	4	of	of	ADP
easat-5250	350	5	the	the	DET
easat-5250	350	6	results	result	NOUN
easat-5250	350	7	based	base	VERB
easat-5250	350	8	on	on	ADP
easat-5250	350	9	the	the	DET
easat-5250	350	10	findings	finding	NOUN
easat-5250	350	11	of	of	ADP
easat-5250	350	12	the	the	DET
easat-5250	350	13	bootstrapping	bootstrappe	VERB
easat-5250	350	14	analysis	analysis	NOUN
easat-5250	350	15	of	of	ADP
easat-5250	350	16	the	the	DET
easat-5250	350	17	hypothesis	hypothesis	NOUN
easat-5250	350	18	testing	testing	NOUN
easat-5250	350	19	shown	show	VERB
easat-5250	350	20	in	in	ADP
easat-5250	350	21	table	table	NOUN
easat-5250	350	22	8	8	NUM
easat-5250	350	23	,	,	PUNCT
easat-5250	350	24	the	the	DET
easat-5250	350	25	following	following	NOUN
easat-5250	350	26	thoroughly	thoroughly	ADV
easat-5250	350	27	explains	explain	VERB
easat-5250	350	28	each	each	DET
easat-5250	350	29	hypothesis	hypothesis	NOUN
easat-5250	350	30	.	.	PUNCT
easat-5250	351	1	the	the	DET
easat-5250	351	2	analysis	analysis	NOUN
easat-5250	351	3	results	result	NOUN
easat-5250	351	4	indicate	indicate	VERB
easat-5250	351	5	that	that	SCONJ
easat-5250	351	6	h1	h1	PROPN
easat-5250	351	7	,	,	PUNCT
easat-5250	351	8	which	which	PRON
easat-5250	351	9	posits	posit	VERB
easat-5250	351	10	that	that	SCONJ
easat-5250	351	11	the	the	DET
easat-5250	351	12	efficiency	efficiency	NOUN
easat-5250	351	13	of	of	ADP
easat-5250	351	14	digital	digital	PROPN
easat-5250	351	15	bank	bank	NOUN
easat-5250	351	16	services	service	NOUN
easat-5250	351	17	significantly	significantly	ADV
easat-5250	351	18	impacts	impact	VERB
easat-5250	351	19	customer	customer	NOUN
easat-5250	351	20	satisfaction	satisfaction	NOUN
easat-5250	351	21	among	among	ADP
easat-5250	351	22	generation	generation	NOUN
easat-5250	351	23	z	z	PROPN
easat-5250	351	24	,	,	PUNCT
easat-5250	351	25	is	be	AUX
easat-5250	351	26	accepted	accept	VERB
easat-5250	351	27	.	.	PUNCT
easat-5250	352	1	the	the	DET
easat-5250	352	2	findings	finding	NOUN
easat-5250	352	3	show	show	VERB
easat-5250	352	4	a	a	DET
easat-5250	352	5	value	value	NOUN
easat-5250	352	6	of	of	ADP
easat-5250	352	7	β	β	NOUN
easat-5250	352	8	=	=	SYM
easat-5250	352	9	0.257	0.257	NUM
easat-5250	352	10	,	,	PUNCT
easat-5250	352	11	a	a	DET
easat-5250	352	12	t	t	NOUN
easat-5250	352	13	-	-	PUNCT
easat-5250	352	14	statistic	statistic	NOUN
easat-5250	352	15	of	of	ADP
easat-5250	352	16	3.888	3.888	NUM
easat-5250	352	17	(	(	PUNCT
easat-5250	352	18	above	above	ADP
easat-5250	352	19	1.96	1.96	NUM
easat-5250	352	20	)	)	PUNCT
easat-5250	352	21	,	,	PUNCT
easat-5250	352	22	and	and	CCONJ
easat-5250	352	23	a	a	DET
easat-5250	352	24	p	p	NOUN
easat-5250	352	25	-	-	PUNCT
easat-5250	352	26	value	value	NOUN
easat-5250	352	27	of	of	ADP
easat-5250	352	28	0.000	0.000	NUM
easat-5250	352	29	.	.	PUNCT
easat-5250	353	1	a	a	DET
easat-5250	353	2	p	p	NOUN
easat-5250	353	3	-	-	PUNCT
easat-5250	353	4	value	value	NOUN
easat-5250	353	5	less	less	ADJ
easat-5250	353	6	than	than	ADP
easat-5250	353	7	0.05	0.05	NUM
easat-5250	353	8	suggests	suggest	VERB
easat-5250	353	9	that	that	SCONJ
easat-5250	353	10	efficiency	efficiency	NOUN
easat-5250	353	11	significantly	significantly	ADV
easat-5250	353	12	impacts	impact	VERB
easat-5250	353	13	customer	customer	NOUN
easat-5250	353	14	satisfaction	satisfaction	NOUN
easat-5250	353	15	.	.	PUNCT
easat-5250	354	1	the	the	DET
easat-5250	354	2	concept	concept	NOUN
easat-5250	354	3	of	of	ADP
easat-5250	354	4	efficiency	efficiency	NOUN
easat-5250	354	5	in	in	ADP
easat-5250	354	6	this	this	DET
easat-5250	354	7	study	study	NOUN
easat-5250	354	8	pertains	pertain	VERB
easat-5250	354	9	to	to	ADP
easat-5250	354	10	the	the	DET
easat-5250	354	11	accessibility	accessibility	NOUN
easat-5250	354	12	and	and	CCONJ
easat-5250	354	13	rapidity	rapidity	NOUN
easat-5250	354	14	of	of	ADP
easat-5250	354	15	utilizing	utilize	VERB
easat-5250	354	16	digital	digital	ADJ
easat-5250	354	17	banking	banking	NOUN
easat-5250	354	18	services	service	NOUN
easat-5250	354	19	.	.	PUNCT
easat-5250	355	1	generation	generation	NOUN
easat-5250	355	2	z	z	NOUN
easat-5250	355	3	,	,	PUNCT
easat-5250	355	4	known	know	VERB
easat-5250	355	5	for	for	ADP
easat-5250	355	6	its	its	PRON
easat-5250	355	7	emphasis	emphasis	NOUN
easat-5250	355	8	on	on	ADP
easat-5250	355	9	quick	quick	ADJ
easat-5250	355	10	service	service	NOUN
easat-5250	355	11	,	,	PUNCT
easat-5250	355	12	demonstrates	demonstrate	VERB
easat-5250	355	13	significant	significant	ADJ
easat-5250	355	14	satisfaction	satisfaction	NOUN
easat-5250	355	15	regarding	regard	VERB
easat-5250	355	16	this	this	DET
easat-5250	355	17	element	element	NOUN
easat-5250	355	18	.	.	PUNCT
easat-5250	356	1	this	this	PRON
easat-5250	356	2	is	be	AUX
easat-5250	356	3	further	far	ADV
easat-5250	356	4	evidenced	evidence	VERB
easat-5250	356	5	by	by	ADP
easat-5250	356	6	indicator	indicator	PROPN
easat-5250	356	7	eff1	eff1	PROPN
easat-5250	356	8	(	(	PUNCT
easat-5250	356	9	my	my	PRON
easat-5250	356	10	digital	digital	PROPN
easat-5250	356	11	bank	bank	PROPN
easat-5250	356	12	service	service	NOUN
easat-5250	356	13	platform	platform	NOUN
easat-5250	356	14	allows	allow	VERB
easat-5250	356	15	me	i	PRON
easat-5250	356	16	to	to	PART
easat-5250	356	17	make	make	VERB
easat-5250	356	18	transactions	transaction	NOUN
easat-5250	356	19	quickly	quickly	ADV
easat-5250	356	20	)	)	PUNCT
easat-5250	356	21	,	,	PUNCT
easat-5250	356	22	which	which	PRON
easat-5250	356	23	achieved	achieve	VERB
easat-5250	356	24	the	the	DET
easat-5250	356	25	highest	high	ADJ
easat-5250	356	26	mean	mean	ADJ
easat-5250	356	27	score	score	NOUN
easat-5250	356	28	of	of	ADP
easat-5250	356	29	4.378	4.378	NUM
easat-5250	356	30	.	.	PUNCT
easat-5250	357	1	the	the	DET
easat-5250	357	2	findings	finding	NOUN
easat-5250	357	3	indicate	indicate	VERB
easat-5250	357	4	that	that	SCONJ
easat-5250	357	5	transaction	transaction	NOUN
easat-5250	357	6	speed	speed	NOUN
easat-5250	357	7	significantly	significantly	ADV
easat-5250	357	8	influences	influence	VERB
easat-5250	357	9	customer	customer	NOUN
easat-5250	357	10	satisfaction	satisfaction	NOUN
easat-5250	357	11	,	,	PUNCT
easat-5250	357	12	aligning	align	VERB
easat-5250	357	13	with	with	ADP
easat-5250	357	14	the	the	DET
easat-5250	357	15	high	high	ADJ
easat-5250	357	16	expectations	expectation	NOUN
easat-5250	357	17	for	for	ADP
easat-5250	357	18	speed	speed	NOUN
easat-5250	357	19	and	and	CCONJ
easat-5250	357	20	usability	usability	NOUN
easat-5250	357	21	in	in	ADP
easat-5250	357	22	digital	digital	ADJ
easat-5250	357	23	banking	banking	NOUN
easat-5250	357	24	services	service	NOUN
easat-5250	357	25	among	among	ADP
easat-5250	357	26	generation	generation	NOUN
easat-5250	357	27	z.	z.	PROPN
easat-5250	358	1	the	the	DET
easat-5250	358	2	findings	finding	NOUN
easat-5250	358	3	align	align	VERB
easat-5250	358	4	with	with	ADP
easat-5250	358	5	previous	previous	ADJ
easat-5250	358	6	studies	study	NOUN
easat-5250	358	7	raza	raza	NOUN
easat-5250	358	8	,	,	PUNCT
easat-5250	358	9	et	et	PROPN
easat-5250	358	10	al	al	PROPN
easat-5250	358	11	.	.	PUNCT
easat-5250	359	1	[	[	X
easat-5250	359	2	24	24	NUM
easat-5250	359	3	]	]	X
easat-5250	359	4	;	;	PUNCT
easat-5250	359	5	nguyen	nguyen	NOUN
easat-5250	359	6	and	and	CCONJ
easat-5250	359	7	dang	dang	VERB
easat-5250	360	1	[	[	X
easat-5250	360	2	26	26	NUM
easat-5250	360	3	]	]	X
easat-5250	360	4	;	;	PUNCT
easat-5250	360	5	balbin	balbin	NOUN
easat-5250	360	6	-	-	PUNCT
easat-5250	360	7	romero	romero	PROPN
easat-5250	360	8	,	,	PUNCT
easat-5250	360	9	et	et	PROPN
easat-5250	360	10	al	al	PROPN
easat-5250	360	11	.	.	PUNCT
easat-5250	361	1	[	[	X
easat-5250	361	2	33	33	NUM
easat-5250	361	3	]	]	X
easat-5250	361	4	;	;	PUNCT
easat-5250	361	5	bankuoru	bankuoru	NOUN
easat-5250	361	6	,	,	PUNCT
easat-5250	361	7	et	et	PROPN
easat-5250	361	8	al	al	PROPN
easat-5250	361	9	.	.	PUNCT
easat-5250	362	1	[	[	X
easat-5250	362	2	18	18	NUM
easat-5250	362	3	]	]	X
easat-5250	362	4	;	;	PUNCT
easat-5250	362	5	ketema	ketema	X
easat-5250	362	6	[	[	X
easat-5250	362	7	37	37	NUM
easat-5250	362	8	]	]	PUNCT
easat-5250	362	9	and	and	CCONJ
easat-5250	362	10	mwiya	mwiya	PROPN
easat-5250	362	11	,	,	PUNCT
easat-5250	362	12	et	et	PROPN
easat-5250	362	13	al	al	PROPN
easat-5250	362	14	.	.	PUNCT
easat-5250	363	1	[	[	X
easat-5250	363	2	39	39	NUM
easat-5250	363	3	]	]	PUNCT
easat-5250	363	4	.	.	PUNCT
easat-5250	363	5	efficiency	efficiency	NOUN
easat-5250	363	6	,	,	PUNCT
easat-5250	363	7	which	which	PRON
easat-5250	363	8	includes	include	VERB
easat-5250	363	9	the	the	DET
easat-5250	363	10	site	site	NOUN
easat-5250	363	11	's	's	PART
easat-5250	363	12	speed	speed	NOUN
easat-5250	363	13	and	and	CCONJ
easat-5250	363	14	simplicity	simplicity	NOUN
easat-5250	363	15	of	of	ADP
easat-5250	363	16	use	use	NOUN
easat-5250	363	17	,	,	PUNCT
easat-5250	363	18	is	be	AUX
easat-5250	363	19	one	one	NUM
easat-5250	363	20	of	of	ADP
easat-5250	363	21	the	the	DET
easat-5250	363	22	most	most	ADV
easat-5250	363	23	essential	essential	ADJ
easat-5250	363	24	elements	element	NOUN
easat-5250	363	25	of	of	ADP
easat-5250	363	26	website	website	NOUN
easat-5250	363	27	service	service	NOUN
easat-5250	363	28	quality	quality	NOUN
easat-5250	363	29	,	,	PUNCT
easat-5250	363	30	according	accord	VERB
easat-5250	363	31	to	to	ADP
easat-5250	363	32	the	the	DET
easat-5250	363	33	e	e	PROPN
easat-5250	363	34	-	-	PROPN
easat-5250	363	35	squal	squal	PROPN
easat-5250	363	36	theory	theory	NOUN
easat-5250	363	37	.	.	PUNCT
easat-5250	364	1	efficiency	efficiency	NOUN
easat-5250	364	2	is	be	AUX
easat-5250	364	3	crucial	crucial	ADJ
easat-5250	364	4	because	because	SCONJ
easat-5250	364	5	customer	customer	NOUN
easat-5250	364	6	satisfaction	satisfaction	NOUN
easat-5250	364	7	can	can	AUX
easat-5250	364	8	be	be	AUX
easat-5250	364	9	directly	directly	ADV
easat-5250	364	10	raised	raise	VERB
easat-5250	364	11	by	by	ADP
easat-5250	364	12	the	the	DET
easat-5250	364	13	speed	speed	NOUN
easat-5250	364	14	and	and	CCONJ
easat-5250	364	15	simplicity	simplicity	NOUN
easat-5250	364	16	of	of	ADP
easat-5250	364	17	access	access	NOUN
easat-5250	364	18	to	to	ADP
easat-5250	364	19	digital	digital	PROPN
easat-5250	364	20	bank	bank	NOUN
easat-5250	364	21	services	service	NOUN
easat-5250	364	22	or	or	CCONJ
easat-5250	364	23	other	other	ADJ
easat-5250	364	24	electronic	electronic	ADJ
easat-5250	364	25	services	service	NOUN
easat-5250	364	26	,	,	PUNCT
easat-5250	364	27	consistent	consistent	ADJ
easat-5250	364	28	with	with	ADP
easat-5250	364	29	their	their	PRON
easat-5250	364	30	expectations	expectation	NOUN
easat-5250	364	31	of	of	ADP
easat-5250	364	32	valuable	valuable	ADJ
easat-5250	364	33	and	and	CCONJ
easat-5250	364	34	efficient	efficient	ADJ
easat-5250	364	35	services	service	NOUN
easat-5250	364	36	[	[	X
easat-5250	364	37	17	17	NUM
easat-5250	364	38	]	]	PUNCT
easat-5250	364	39	.	.	PUNCT
easat-5250	365	1	fulfillment	fulfillment	NOUN
easat-5250	365	2	does	do	AUX
easat-5250	365	3	not	not	PART
easat-5250	365	4	significantly	significantly	ADV
easat-5250	365	5	impact	impact	VERB
easat-5250	365	6	customer	customer	NOUN
easat-5250	365	7	satisfaction	satisfaction	NOUN
easat-5250	365	8	.	.	PUNCT
easat-5250	366	1	the	the	DET
easat-5250	366	2	path	path	NOUN
easat-5250	366	3	coefficient	coefficient	NOUN
easat-5250	366	4	of	of	ADP
easat-5250	366	5	-0.004	-0.004	PROPN
easat-5250	366	6	,	,	PUNCT
easat-5250	366	7	a	a	DET
easat-5250	366	8	tstatistic	tstatistic	NOUN
easat-5250	366	9	of	of	ADP
easat-5250	366	10	0.099	0.099	NUM
easat-5250	366	11	(	(	PUNCT
easat-5250	366	12	significantly	significantly	ADV
easat-5250	366	13	below	below	ADP
easat-5250	366	14	the	the	DET
easat-5250	366	15	1.96	1.96	NUM
easat-5250	366	16	threshold	threshold	NOUN
easat-5250	366	17	)	)	PUNCT
easat-5250	366	18	,	,	PUNCT
easat-5250	366	19	and	and	CCONJ
easat-5250	366	20	a	a	DET
easat-5250	366	21	p	p	NOUN
easat-5250	366	22	-	-	PUNCT
easat-5250	366	23	value	value	NOUN
easat-5250	366	24	of	of	ADP
easat-5250	366	25	0.921	0.921	NUM
easat-5250	366	26	indicate	indicate	VERB
easat-5250	366	27	a	a	DET
easat-5250	366	28	lack	lack	NOUN
easat-5250	366	29	of	of	ADP
easat-5250	366	30	statistical	statistical	ADJ
easat-5250	366	31	significance	significance	NOUN
easat-5250	366	32	,	,	PUNCT
easat-5250	366	33	as	as	SCONJ
easat-5250	366	34	the	the	DET
easat-5250	366	35	criterion	criterion	NOUN
easat-5250	366	36	of	of	ADP
easat-5250	366	37	p	p	NOUN
easat-5250	366	38	-	-	PUNCT
easat-5250	366	39	value	value	NOUN
easat-5250	366	40	<	<	X
easat-5250	366	41	0.05	0.05	NUM
easat-5250	366	42	is	be	AUX
easat-5250	366	43	not	not	PART
easat-5250	366	44	met	meet	VERB
easat-5250	366	45	.	.	PUNCT
easat-5250	367	1	this	this	PRON
easat-5250	367	2	suggests	suggest	VERB
easat-5250	367	3	that	that	SCONJ
easat-5250	367	4	fulfillment	fulfillment	NOUN
easat-5250	367	5	exerts	exert	VERB
easat-5250	367	6	a	a	DET
easat-5250	367	7	negligible	negligible	ADJ
easat-5250	367	8	influence	influence	NOUN
easat-5250	367	9	on	on	ADP
easat-5250	367	10	customer	customer	NOUN
easat-5250	367	11	satisfaction	satisfaction	NOUN
easat-5250	367	12	.	.	PUNCT
easat-5250	368	1	as	as	ADP
easat-5250	368	2	a	a	DET
easat-5250	368	3	result	result	NOUN
easat-5250	368	4	,	,	PUNCT
easat-5250	368	5	hypothesis	hypothesis	NOUN
easat-5250	368	6	2	2	NUM
easat-5250	368	7	is	be	AUX
easat-5250	368	8	rejected	reject	VERB
easat-5250	368	9	.	.	PUNCT
easat-5250	369	1	this	this	DET
easat-5250	369	2	finding	finding	NOUN
easat-5250	369	3	is	be	AUX
easat-5250	369	4	elucidated	elucidate	VERB
easat-5250	369	5	by	by	ADP
easat-5250	369	6	the	the	DET
easat-5250	369	7	inconsistency	inconsistency	NOUN
easat-5250	369	8	identified	identify	VERB
easat-5250	369	9	in	in	ADP
easat-5250	369	10	indicator	indicator	NOUN
easat-5250	369	11	ful4	ful4	PROPN
easat-5250	369	12	(	(	PUNCT
easat-5250	369	13	digital	digital	ADJ
easat-5250	369	14	banks	bank	NOUN
easat-5250	369	15	consistently	consistently	ADV
easat-5250	369	16	meet	meet	VERB
easat-5250	369	17	their	their	PRON
easat-5250	369	18	commitments	commitment	NOUN
easat-5250	369	19	regarding	regard	VERB
easat-5250	369	20	transaction	transaction	NOUN
easat-5250	369	21	completion	completion	NOUN
easat-5250	369	22	times	time	NOUN
easat-5250	369	23	)	)	PUNCT
easat-5250	369	24	.	.	PUNCT
easat-5250	370	1	the	the	DET
easat-5250	370	2	inconsistency	inconsistency	NOUN
easat-5250	370	3	in	in	ADP
easat-5250	370	4	meeting	meet	VERB
easat-5250	370	5	transaction	transaction	NOUN
easat-5250	370	6	time	time	NOUN
easat-5250	370	7	commitments	commitment	NOUN
easat-5250	370	8	seems	seem	VERB
easat-5250	370	9	to	to	PART
easat-5250	370	10	reduce	reduce	VERB
easat-5250	370	11	the	the	DET
easat-5250	370	12	significance	significance	NOUN
easat-5250	370	13	of	of	ADP
easat-5250	370	14	fulfillment	fulfillment	NOUN
easat-5250	370	15	in	in	ADP
easat-5250	370	16	affecting	affect	VERB
easat-5250	370	17	customer	customer	NOUN
easat-5250	370	18	satisfaction	satisfaction	NOUN
easat-5250	370	19	.	.	PUNCT
easat-5250	371	1	the	the	DET
easat-5250	371	2	findings	finding	NOUN
easat-5250	371	3	correspond	correspond	VERB
easat-5250	371	4	with	with	ADP
easat-5250	371	5	the	the	DET
easat-5250	371	6	study	study	NOUN
easat-5250	371	7	by	by	ADP
easat-5250	371	8	mahadevan	mahadevan	PROPN
easat-5250	371	9	and	and	CCONJ
easat-5250	371	10	joshi	joshi	PROPN
easat-5250	372	1	[	[	X
easat-5250	372	2	61	61	NUM
easat-5250	372	3	]	]	PUNCT
easat-5250	372	4	which	which	PRON
easat-5250	372	5	indicated	indicate	VERB
easat-5250	372	6	that	that	SCONJ
easat-5250	372	7	the	the	DET
easat-5250	372	8	influence	influence	NOUN
easat-5250	372	9	of	of	ADP
easat-5250	372	10	fulfillment	fulfillment	NOUN
easat-5250	372	11	in	in	ADP
easat-5250	372	12	digital	digital	ADJ
easat-5250	372	13	services	service	NOUN
easat-5250	372	14	may	may	AUX
easat-5250	372	15	be	be	AUX
easat-5250	372	16	reduced	reduce	VERB
easat-5250	372	17	when	when	SCONJ
easat-5250	372	18	users	user	NOUN
easat-5250	372	19	encounter	encounter	VERB
easat-5250	372	20	inconsistencies	inconsistency	NOUN
easat-5250	372	21	in	in	ADP
easat-5250	372	22	their	their	PRON
easat-5250	372	23	service	service	NOUN
easat-5250	372	24	experience	experience	NOUN
easat-5250	372	25	.	.	PUNCT
easat-5250	373	1	the	the	DET
easat-5250	373	2	variability	variability	NOUN
easat-5250	373	3	in	in	ADP
easat-5250	373	4	the	the	DET
easat-5250	373	5	indicators	indicator	NOUN
easat-5250	373	6	associated	associate	VERB
easat-5250	373	7	with	with	ADP
easat-5250	373	8	fulfillment	fulfillment	NOUN
easat-5250	373	9	suggests	suggest	VERB
easat-5250	373	10	that	that	SCONJ
easat-5250	373	11	it	it	PRON
easat-5250	373	12	may	may	AUX
easat-5250	373	13	not	not	PART
easat-5250	373	14	consistently	consistently	ADV
easat-5250	373	15	meet	meet	VERB
easat-5250	373	16	the	the	DET
easat-5250	373	17	elevated	elevated	ADJ
easat-5250	373	18	expectations	expectation	NOUN
easat-5250	373	19	of	of	ADP
easat-5250	373	20	generation	generation	NOUN
easat-5250	373	21	z	z	PROPN
easat-5250	373	22	,	,	PUNCT
easat-5250	373	23	which	which	PRON
easat-5250	373	24	requires	require	VERB
easat-5250	373	25	high	high	ADJ
easat-5250	373	26	consistency	consistency	NOUN
easat-5250	373	27	in	in	ADP
easat-5250	373	28	service	service	NOUN
easat-5250	373	29	delivery	delivery	NOUN
easat-5250	373	30	[	[	X
easat-5250	373	31	61	61	NUM
easat-5250	373	32	,	,	PUNCT
easat-5250	373	33	62	62	NUM
easat-5250	373	34	]	]	PUNCT
easat-5250	373	35	.	.	PUNCT
easat-5250	374	1	system	system	NOUN
easat-5250	374	2	availability	availability	NOUN
easat-5250	374	3	does	do	AUX
easat-5250	374	4	not	not	PART
easat-5250	374	5	significantly	significantly	ADV
easat-5250	374	6	impact	impact	VERB
easat-5250	374	7	customer	customer	NOUN
easat-5250	374	8	satisfaction	satisfaction	NOUN
easat-5250	374	9	.	.	PUNCT
easat-5250	375	1	the	the	DET
easat-5250	375	2	path	path	NOUN
easat-5250	375	3	coefficient	coefficient	NOUN
easat-5250	375	4	is	be	AUX
easat-5250	375	5	0.100	0.100	NUM
easat-5250	375	6	,	,	PUNCT
easat-5250	375	7	while	while	SCONJ
easat-5250	375	8	the	the	DET
easat-5250	375	9	t	t	PROPN
easat-5250	375	10	-	-	PUNCT
easat-5250	375	11	statistic	statistic	NOUN
easat-5250	375	12	is	be	AUX
easat-5250	375	13	1.819	1.819	NUM
easat-5250	375	14	,	,	PUNCT
easat-5250	375	15	failing	fail	VERB
easat-5250	375	16	to	to	PART
easat-5250	375	17	reach	reach	VERB
easat-5250	375	18	the	the	DET
easat-5250	375	19	1.96	1.96	NUM
easat-5250	375	20	threshold	threshold	NOUN
easat-5250	375	21	.	.	PUNCT
easat-5250	376	1	the	the	DET
easat-5250	376	2	p	p	NOUN
easat-5250	376	3	-	-	PUNCT
easat-5250	376	4	value	value	NOUN
easat-5250	376	5	is	be	AUX
easat-5250	376	6	0.069	0.069	NUM
easat-5250	376	7	,	,	PUNCT
easat-5250	376	8	which	which	PRON
easat-5250	376	9	exceeds	exceed	VERB
easat-5250	376	10	the	the	DET
easat-5250	376	11	0.05	0.05	NUM
easat-5250	376	12	significance	significance	NOUN
easat-5250	376	13	threshold	threshold	NOUN
easat-5250	376	14	.	.	PUNCT
easat-5250	377	1	this	this	PRON
easat-5250	377	2	suggests	suggest	VERB
easat-5250	377	3	that	that	SCONJ
easat-5250	377	4	,	,	PUNCT
easat-5250	377	5	while	while	SCONJ
easat-5250	377	6	system	system	NOUN
easat-5250	377	7	availability	availability	NOUN
easat-5250	377	8	may	may	AUX
easat-5250	377	9	positively	positively	ADV
easat-5250	377	10	affect	affect	VERB
easat-5250	377	11	customer	customer	NOUN
easat-5250	377	12	satisfaction	satisfaction	NOUN
easat-5250	377	13	,	,	PUNCT
easat-5250	377	14	its	its	PRON
easat-5250	377	15	impact	impact	NOUN
easat-5250	377	16	is	be	AUX
easat-5250	377	17	not	not	PART
easat-5250	377	18	statistically	statistically	ADV
easat-5250	377	19	significant	significant	ADJ
easat-5250	377	20	in	in	ADP
easat-5250	377	21	this	this	DET
easat-5250	377	22	analysis	analysis	NOUN
easat-5250	377	23	.	.	PUNCT
easat-5250	378	1	as	as	ADP
easat-5250	378	2	a	a	DET
easat-5250	378	3	result	result	NOUN
easat-5250	378	4	,	,	PUNCT
easat-5250	378	5	hypothesis	hypothesis	NOUN
easat-5250	378	6	3	3	NUM
easat-5250	378	7	is	be	AUX
easat-5250	378	8	rejected	reject	VERB
easat-5250	378	9	.	.	PUNCT
easat-5250	379	1	e	e	X
easat-5250	379	2	-	-	PROPN
easat-5250	379	3	squal	squal	ADJ
easat-5250	379	4	theory	theory	NOUN
easat-5250	379	5	posits	posit	NOUN
easat-5250	379	6	that	that	PRON
easat-5250	379	7	system	system	NOUN
easat-5250	379	8	availability	availability	NOUN
easat-5250	379	9	is	be	AUX
easat-5250	379	10	crucial	crucial	ADJ
easat-5250	379	11	,	,	PUNCT
easat-5250	379	12	yet	yet	CCONJ
easat-5250	379	13	it	it	PRON
easat-5250	379	14	is	be	AUX
easat-5250	379	15	affected	affect	VERB
easat-5250	379	16	by	by	ADP
easat-5250	379	17	external	external	ADJ
easat-5250	379	18	factors	factor	NOUN
easat-5250	379	19	beyond	beyond	ADP
easat-5250	379	20	the	the	DET
easat-5250	379	21	company	company	NOUN
easat-5250	379	22	's	's	PART
easat-5250	379	23	control	control	NOUN
easat-5250	379	24	,	,	PUNCT
easat-5250	379	25	including	include	VERB
easat-5250	379	26	the	the	DET
easat-5250	379	27	customer	customer	NOUN
easat-5250	379	28	's	's	PART
easat-5250	379	29	device	device	NOUN
easat-5250	379	30	and	and	CCONJ
easat-5250	379	31	internet	internet	NOUN
easat-5250	379	32	connection	connection	NOUN
easat-5250	380	1	[	[	X
easat-5250	380	2	17	17	NUM
easat-5250	380	3	]	]	PUNCT
easat-5250	380	4	.	.	PUNCT
easat-5250	381	1	the	the	DET
easat-5250	381	2	reliance	reliance	NOUN
easat-5250	381	3	on	on	ADP
easat-5250	381	4	these	these	DET
easat-5250	381	5	factors	factor	NOUN
easat-5250	381	6	renders	render	VERB
easat-5250	381	7	the	the	DET
easat-5250	381	8	effect	effect	NOUN
easat-5250	381	9	on	on	ADP
easat-5250	381	10	customer	customer	NOUN
easat-5250	381	11	satisfaction	satisfaction	NOUN
easat-5250	381	12	negligible	negligible	ADJ
easat-5250	381	13	within	within	ADP
easat-5250	381	14	the	the	DET
easat-5250	381	15	realm	realm	NOUN
easat-5250	381	16	of	of	ADP
easat-5250	381	17	digital	digital	ADJ
easat-5250	381	18	banking	banking	NOUN
easat-5250	381	19	,	,	PUNCT
easat-5250	381	20	leading	lead	VERB
easat-5250	381	21	to	to	ADP
easat-5250	381	22	the	the	DET
easat-5250	381	23	rejection	rejection	NOUN
easat-5250	381	24	of	of	ADP
easat-5250	381	25	the	the	DET
easat-5250	381	26	hypothesis	hypothesis	NOUN
easat-5250	381	27	.	.	PUNCT
easat-5250	382	1	this	this	DET
easat-5250	382	2	finding	finding	NOUN
easat-5250	382	3	aligns	align	VERB
easat-5250	382	4	with	with	ADP
easat-5250	382	5	prior	prior	ADJ
easat-5250	382	6	research	research	NOUN
easat-5250	382	7	in	in	ADP
easat-5250	382	8	electronic	electronic	ADJ
easat-5250	382	9	banking	banking	NOUN
easat-5250	382	10	,	,	PUNCT
easat-5250	382	11	indicating	indicate	VERB
easat-5250	382	12	that	that	SCONJ
easat-5250	382	13	system	system	NOUN
easat-5250	382	14	availability	availability	NOUN
easat-5250	382	15	does	do	AUX
easat-5250	382	16	not	not	PART
easat-5250	382	17	significantly	significantly	ADV
easat-5250	382	18	impact	impact	VERB
easat-5250	382	19	customer	customer	NOUN
easat-5250	382	20	satisfaction	satisfaction	NOUN
easat-5250	382	21	[	[	X
easat-5250	382	22	43	43	NUM
easat-5250	382	23	]	]	PUNCT
easat-5250	382	24	.	.	PUNCT
easat-5250	383	1	the	the	DET
easat-5250	383	2	impact	impact	NOUN
easat-5250	383	3	of	of	ADP
easat-5250	383	4	security	security	NOUN
easat-5250	383	5	on	on	ADP
easat-5250	383	6	customer	customer	NOUN
easat-5250	383	7	satisfaction	satisfaction	NOUN
easat-5250	383	8	is	be	AUX
easat-5250	383	9	not	not	PART
easat-5250	383	10	significant	significant	ADJ
easat-5250	383	11	.	.	PUNCT
easat-5250	384	1	the	the	DET
easat-5250	384	2	positive	positive	ADJ
easat-5250	384	3	path	path	NOUN
easat-5250	384	4	coefficient	coefficient	NOUN
easat-5250	384	5	of	of	ADP
easat-5250	384	6	0.064	0.064	NUM
easat-5250	384	7	and	and	CCONJ
easat-5250	384	8	a	a	DET
easat-5250	384	9	t	t	NOUN
easat-5250	384	10	-	-	PUNCT
easat-5250	384	11	statistic	statistic	NOUN
easat-5250	384	12	of	of	ADP
easat-5250	384	13	1.198	1.198	NUM
easat-5250	384	14	,	,	PUNCT
easat-5250	384	15	which	which	PRON
easat-5250	384	16	falls	fall	VERB
easat-5250	384	17	below	below	ADP
easat-5250	384	18	the	the	DET
easat-5250	384	19	1.96	1.96	NUM
easat-5250	384	20	threshold	threshold	NOUN
easat-5250	384	21	,	,	PUNCT
easat-5250	384	22	along	along	ADP
easat-5250	384	23	with	with	ADP
easat-5250	384	24	a	a	DET
easat-5250	384	25	p	p	NOUN
easat-5250	384	26	-	-	PUNCT
easat-5250	384	27	value	value	NOUN
easat-5250	384	28	of	of	ADP
easat-5250	384	29	0.231	0.231	NUM
easat-5250	384	30	,	,	PUNCT
easat-5250	384	31	indicate	indicate	VERB
easat-5250	384	32	that	that	SCONJ
easat-5250	384	33	the	the	DET
easat-5250	384	34	significance	significance	NOUN
easat-5250	384	35	level	level	NOUN
easat-5250	384	36	of	of	ADP
easat-5250	384	37	p	p	NOUN
easat-5250	384	38	-	-	PUNCT
easat-5250	384	39	value	value	NOUN
easat-5250	384	40	<	<	X
easat-5250	384	41	0.05	0.05	NUM
easat-5250	384	42	is	be	AUX
easat-5250	384	43	not	not	PART
easat-5250	384	44	achieved	achieve	VERB
easat-5250	384	45	.	.	PUNCT
easat-5250	385	1	as	as	ADP
easat-5250	385	2	a	a	DET
easat-5250	385	3	result	result	NOUN
easat-5250	385	4	,	,	PUNCT
easat-5250	385	5	hypothesis	hypothesis	NOUN
easat-5250	385	6	4	4	NUM
easat-5250	385	7	is	be	AUX
easat-5250	385	8	rejected	reject	VERB
easat-5250	385	9	.	.	PUNCT
easat-5250	386	1	in	in	ADP
easat-5250	386	2	e	e	PROPN
easat-5250	386	3	-	-	VERB
easat-5250	386	4	s	s	ADP
easat-5250	386	5	-	-	PUNCT
easat-5250	386	6	qual	qual	ADJ
easat-5250	386	7	theory	theory	NOUN
easat-5250	386	8	,	,	PUNCT
easat-5250	386	9	security	security	NOUN
easat-5250	386	10	encompasses	encompass	VERB
easat-5250	386	11	the	the	DET
easat-5250	386	12	protection	protection	NOUN
easat-5250	386	13	of	of	ADP
easat-5250	386	14	users	user	NOUN
easat-5250	386	15	against	against	ADP
easat-5250	386	16	risks	risk	NOUN
easat-5250	386	17	,	,	PUNCT
easat-5250	386	18	including	include	VERB
easat-5250	386	19	fraud	fraud	NOUN
easat-5250	386	20	and	and	CCONJ
easat-5250	386	21	financial	financial	ADJ
easat-5250	386	22	loss	loss	NOUN
easat-5250	386	23	,	,	PUNCT
easat-5250	386	24	as	as	ADV
easat-5250	386	25	well	well	ADV
easat-5250	386	26	as	as	ADP
easat-5250	386	27	the	the	DET
easat-5250	386	28	confidentiality	confidentiality	NOUN
easat-5250	386	29	of	of	ADP
easat-5250	386	30	personal	personal	ADJ
easat-5250	386	31	information	information	NOUN
easat-5250	386	32	[	[	X
easat-5250	386	33	17	17	NUM
easat-5250	386	34	]	]	PUNCT
easat-5250	386	35	.	.	PUNCT
easat-5250	387	1	in	in	ADP
easat-5250	387	2	the	the	DET
easat-5250	387	3	realm	realm	NOUN
easat-5250	387	4	of	of	ADP
easat-5250	387	5	digital	digital	ADJ
easat-5250	387	6	banking	banking	NOUN
easat-5250	387	7	services	service	NOUN
easat-5250	387	8	,	,	PUNCT
easat-5250	387	9	generation	generation	NOUN
easat-5250	387	10	z	z	NOUN
easat-5250	387	11	users	user	NOUN
easat-5250	387	12	have	have	AUX
easat-5250	387	13	not	not	PART
easat-5250	387	14	completely	completely	ADV
easat-5250	387	15	understood	understand	VERB
easat-5250	387	16	the	the	DET
easat-5250	387	17	mechanisms	mechanism	NOUN
easat-5250	387	18	of	of	ADP
easat-5250	387	19	security	security	NOUN
easat-5250	387	20	in	in	ADP
easat-5250	387	21	digital	digital	ADJ
easat-5250	387	22	banks	bank	NOUN
easat-5250	387	23	or	or	CCONJ
easat-5250	387	24	the	the	DET
easat-5250	387	25	degree	degree	NOUN
easat-5250	387	26	to	to	PART
easat-5250	387	27	which	which	PRON
easat-5250	387	28	it	it	PRON
easat-5250	387	29	safeguards	safeguard	VERB
easat-5250	387	30	them	they	PRON
easat-5250	387	31	.	.	PUNCT
easat-5250	388	1	two	two	NUM
easat-5250	388	2	prior	prior	ADJ
easat-5250	388	3	studies	study	NOUN
easat-5250	388	4	indicate	indicate	VERB
easat-5250	388	5	that	that	SCONJ
easat-5250	388	6	the	the	DET
easat-5250	388	7	security	security	NOUN
easat-5250	388	8	dimension	dimension	NOUN
easat-5250	388	9	does	do	AUX
easat-5250	388	10	not	not	PART
easat-5250	388	11	significantly	significantly	ADV
easat-5250	388	12	influence	influence	VERB
easat-5250	388	13	customer	customer	NOUN
easat-5250	388	14	satisfaction	satisfaction	NOUN
easat-5250	388	15	in	in	ADP
easat-5250	388	16	mobile	mobile	ADJ
easat-5250	388	17	commerce	commerce	PROPN
easat-5250	388	18	506	506	NUM
easat-5250	388	19	edelweiss	edelweiss	PROPN
easat-5250	388	20	applied	apply	VERB
easat-5250	388	21	science	science	NOUN
easat-5250	388	22	and	and	CCONJ
easat-5250	388	23	technology	technology	NOUN
easat-5250	388	24	issn	issn	PROPN
easat-5250	388	25	:	:	PUNCT
easat-5250	388	26	2576	2576	NUM
easat-5250	388	27	-	-	SYM
easat-5250	388	28	8484	8484	NUM
easat-5250	388	29	vol	vol	NOUN
easat-5250	388	30	.	.	PROPN
easat-5250	389	1	9	9	NUM
easat-5250	389	2	,	,	PUNCT
easat-5250	389	3	no	no	INTJ
easat-5250	389	4	.	.	NOUN
easat-5250	390	1	3	3	NUM
easat-5250	390	2	:	:	PUNCT
easat-5250	390	3	489	489	NUM
easat-5250	390	4	-	-	SYM
easat-5250	390	5	510	510	NUM
easat-5250	390	6	,	,	PUNCT
easat-5250	390	7	2025	2025	NUM
easat-5250	390	8	doi	doi	NOUN
easat-5250	390	9	:	:	PUNCT
easat-5250	390	10	10.55214/25768484.v9i3.5250	10.55214/25768484.v9i3.5250	NUM
easat-5250	390	11	©	©	PROPN
easat-5250	390	12	2025	2025	NUM
easat-5250	390	13	by	by	ADP
easat-5250	390	14	the	the	DET
easat-5250	390	15	authors	author	NOUN
easat-5250	390	16	;	;	PUNCT
easat-5250	391	1	licensee	licensee	PROPN
easat-5250	391	2	learning	learn	VERB
easat-5250	391	3	gate	gate	NOUN
easat-5250	391	4	applications	application	NOUN
easat-5250	391	5	and	and	CCONJ
easat-5250	391	6	electronic	electronic	ADJ
easat-5250	391	7	banking	banking	NOUN
easat-5250	391	8	services	service	NOUN
easat-5250	391	9	.	.	PUNCT
easat-5250	392	1	security	security	NOUN
easat-5250	392	2	exhibits	exhibit	VERB
easat-5250	392	3	a	a	DET
easat-5250	392	4	minor	minor	ADJ
easat-5250	392	5	negative	negative	ADJ
easat-5250	392	6	correlation	correlation	NOUN
easat-5250	392	7	with	with	ADP
easat-5250	392	8	satisfaction	satisfaction	NOUN
easat-5250	392	9	,	,	PUNCT
easat-5250	392	10	suggesting	suggest	VERB
easat-5250	392	11	a	a	DET
easat-5250	392	12	degree	degree	NOUN
easat-5250	392	13	of	of	ADP
easat-5250	392	14	skepticism	skepticism	NOUN
easat-5250	392	15	among	among	ADP
easat-5250	392	16	customers	customer	NOUN
easat-5250	392	17	regarding	regard	VERB
easat-5250	392	18	security	security	NOUN
easat-5250	392	19	risks	risk	NOUN
easat-5250	392	20	.	.	PUNCT
easat-5250	393	1	this	this	PRON
easat-5250	393	2	indicates	indicate	VERB
easat-5250	393	3	that	that	SCONJ
easat-5250	393	4	customers	customer	NOUN
easat-5250	393	5	may	may	AUX
easat-5250	393	6	retain	retain	VERB
easat-5250	393	7	concerns	concern	NOUN
easat-5250	393	8	about	about	ADP
easat-5250	393	9	potential	potential	ADJ
easat-5250	393	10	risks	risk	NOUN
easat-5250	393	11	despite	despite	SCONJ
easat-5250	393	12	a	a	DET
easat-5250	393	13	lack	lack	NOUN
easat-5250	393	14	of	of	ADP
easat-5250	393	15	security	security	NOUN
easat-5250	393	16	measures	measure	NOUN
easat-5250	393	17	,	,	PUNCT
easat-5250	393	18	suggesting	suggest	VERB
easat-5250	393	19	that	that	SCONJ
easat-5250	393	20	security	security	NOUN
easat-5250	393	21	features	feature	NOUN
easat-5250	393	22	do	do	AUX
easat-5250	393	23	not	not	PART
easat-5250	393	24	entirely	entirely	ADV
easat-5250	393	25	enhance	enhance	VERB
easat-5250	393	26	their	their	PRON
easat-5250	393	27	satisfaction	satisfaction	NOUN
easat-5250	393	28	[	[	X
easat-5250	393	29	39	39	NUM
easat-5250	393	30	,	,	PUNCT
easat-5250	393	31	63	63	NUM
easat-5250	393	32	]	]	PUNCT
easat-5250	393	33	.	.	PUNCT
easat-5250	394	1	trust	trust	NOUN
easat-5250	394	2	significantly	significantly	ADV
easat-5250	394	3	influences	influence	VERB
easat-5250	394	4	customer	customer	NOUN
easat-5250	394	5	satisfaction	satisfaction	NOUN
easat-5250	394	6	.	.	PUNCT
easat-5250	395	1	the	the	DET
easat-5250	395	2	path	path	NOUN
easat-5250	395	3	coefficient	coefficient	NOUN
easat-5250	395	4	is	be	AUX
easat-5250	395	5	0.149	0.149	NUM
easat-5250	395	6	,	,	PUNCT
easat-5250	395	7	and	and	CCONJ
easat-5250	395	8	the	the	DET
easat-5250	395	9	t	t	NOUN
easat-5250	395	10	-	-	PUNCT
easat-5250	395	11	statistic	statistic	NOUN
easat-5250	395	12	is	be	AUX
easat-5250	395	13	2.310	2.310	NUM
easat-5250	395	14	,	,	PUNCT
easat-5250	395	15	exceeding	exceed	VERB
easat-5250	395	16	the	the	DET
easat-5250	395	17	1.96	1.96	NUM
easat-5250	395	18	threshold	threshold	NOUN
easat-5250	395	19	.	.	PUNCT
easat-5250	396	1	the	the	DET
easat-5250	396	2	p	p	NOUN
easat-5250	396	3	-	-	PUNCT
easat-5250	396	4	value	value	NOUN
easat-5250	396	5	is	be	AUX
easat-5250	396	6	0.021	0.021	NUM
easat-5250	396	7	,	,	PUNCT
easat-5250	396	8	demonstrating	demonstrate	VERB
easat-5250	396	9	that	that	SCONJ
easat-5250	396	10	this	this	DET
easat-5250	396	11	relationship	relationship	NOUN
easat-5250	396	12	is	be	AUX
easat-5250	396	13	statistically	statistically	ADV
easat-5250	396	14	significant	significant	ADJ
easat-5250	396	15	at	at	ADP
easat-5250	396	16	the	the	DET
easat-5250	396	17	0.05	0.05	NUM
easat-5250	396	18	level	level	NOUN
easat-5250	396	19	(	(	PUNCT
easat-5250	396	20	p	p	NOUN
easat-5250	396	21	-	-	PUNCT
easat-5250	396	22	value	value	NOUN
easat-5250	396	23	<	<	NOUN
easat-5250	396	24	0.05	0.05	NUM
easat-5250	396	25	)	)	PUNCT
easat-5250	396	26	.	.	PUNCT
easat-5250	397	1	this	this	PRON
easat-5250	397	2	indicates	indicate	VERB
easat-5250	397	3	that	that	SCONJ
easat-5250	397	4	trust	trust	NOUN
easat-5250	397	5	has	have	VERB
easat-5250	397	6	a	a	DET
easat-5250	397	7	positive	positive	ADJ
easat-5250	397	8	and	and	CCONJ
easat-5250	397	9	significant	significant	ADJ
easat-5250	397	10	effect	effect	NOUN
easat-5250	397	11	on	on	ADP
easat-5250	397	12	customer	customer	NOUN
easat-5250	397	13	satisfaction	satisfaction	NOUN
easat-5250	397	14	.	.	PUNCT
easat-5250	398	1	as	as	ADP
easat-5250	398	2	a	a	DET
easat-5250	398	3	result	result	NOUN
easat-5250	398	4	,	,	PUNCT
easat-5250	398	5	hypothesis	hypothesis	NOUN
easat-5250	398	6	5	5	NUM
easat-5250	398	7	has	have	AUX
easat-5250	398	8	been	be	AUX
easat-5250	398	9	accepted	accept	VERB
easat-5250	398	10	.	.	PUNCT
easat-5250	399	1	the	the	DET
easat-5250	399	2	findings	finding	NOUN
easat-5250	399	3	of	of	ADP
easat-5250	399	4	this	this	DET
easat-5250	399	5	study	study	NOUN
easat-5250	399	6	align	align	VERB
easat-5250	399	7	with	with	ADP
easat-5250	399	8	prior	prior	ADJ
easat-5250	399	9	research	research	NOUN
easat-5250	399	10	[	[	X
easat-5250	399	11	52	52	NUM
easat-5250	399	12	,	,	PUNCT
easat-5250	399	13	64	64	NUM
easat-5250	399	14	-	-	SYM
easat-5250	399	15	66	66	NUM
easat-5250	399	16	]	]	PUNCT
easat-5250	399	17	indicating	indicate	VERB
easat-5250	399	18	that	that	SCONJ
easat-5250	399	19	trust	trust	NOUN
easat-5250	399	20	significantly	significantly	ADV
easat-5250	399	21	contributes	contribute	VERB
easat-5250	399	22	to	to	ADP
easat-5250	399	23	enhancing	enhance	VERB
easat-5250	399	24	customer	customer	NOUN
easat-5250	399	25	satisfaction	satisfaction	NOUN
easat-5250	399	26	across	across	ADP
easat-5250	399	27	different	different	ADJ
easat-5250	399	28	banking	banking	NOUN
easat-5250	399	29	contexts	contexts	NOUN
easat-5250	399	30	.	.	PUNCT
easat-5250	400	1	in	in	ADP
easat-5250	400	2	digital	digital	ADJ
easat-5250	400	3	banking	banking	NOUN
easat-5250	400	4	,	,	PUNCT
easat-5250	400	5	trust	trust	NOUN
easat-5250	400	6	is	be	AUX
easat-5250	400	7	a	a	DET
easat-5250	400	8	critical	critical	ADJ
easat-5250	400	9	factor	factor	NOUN
easat-5250	400	10	that	that	PRON
easat-5250	400	11	underpins	underpin	VERB
easat-5250	400	12	service	service	NOUN
easat-5250	400	13	interactions	interaction	NOUN
easat-5250	400	14	,	,	PUNCT
easat-5250	400	15	as	as	SCONJ
easat-5250	400	16	customer	customer	NOUN
easat-5250	400	17	confidence	confidence	NOUN
easat-5250	400	18	in	in	ADP
easat-5250	400	19	the	the	DET
easat-5250	400	20	institution	institution	NOUN
easat-5250	400	21	's	's	PART
easat-5250	400	22	professionalism	professionalism	NOUN
easat-5250	400	23	and	and	CCONJ
easat-5250	400	24	security	security	NOUN
easat-5250	400	25	is	be	AUX
easat-5250	400	26	essential	essential	ADJ
easat-5250	400	27	for	for	ADP
easat-5250	400	28	enhancing	enhance	VERB
easat-5250	400	29	satisfaction	satisfaction	NOUN
easat-5250	400	30	.	.	PUNCT
easat-5250	401	1	moreover	moreover	ADV
easat-5250	401	2	,	,	PUNCT
easat-5250	401	3	the	the	DET
easat-5250	401	4	rise	rise	NOUN
easat-5250	401	5	of	of	ADP
easat-5250	401	6	stringent	stringent	ADJ
easat-5250	401	7	government	government	NOUN
easat-5250	401	8	regulations	regulation	NOUN
easat-5250	401	9	within	within	ADP
easat-5250	401	10	the	the	DET
easat-5250	401	11	financial	financial	ADJ
easat-5250	401	12	sector	sector	NOUN
easat-5250	401	13	has	have	AUX
easat-5250	401	14	prompted	prompt	VERB
easat-5250	401	15	the	the	DET
easat-5250	401	16	adoption	adoption	NOUN
easat-5250	401	17	of	of	ADP
easat-5250	401	18	professional	professional	ADJ
easat-5250	401	19	practices	practice	NOUN
easat-5250	401	20	that	that	PRON
easat-5250	401	21	foster	foster	VERB
easat-5250	401	22	trust	trust	NOUN
easat-5250	401	23	,	,	PUNCT
easat-5250	401	24	including	include	VERB
easat-5250	401	25	relationship	relationship	NOUN
easat-5250	401	26	management	management	NOUN
easat-5250	401	27	strategies	strategy	NOUN
easat-5250	401	28	and	and	CCONJ
easat-5250	401	29	trust	trust	NOUN
easat-5250	401	30	-	-	PUNCT
easat-5250	401	31	building	building	NOUN
easat-5250	401	32	initiatives	initiative	NOUN
easat-5250	401	33	,	,	PUNCT
easat-5250	401	34	thereby	thereby	ADV
easat-5250	401	35	enhancing	enhance	VERB
easat-5250	401	36	customer	customer	NOUN
easat-5250	401	37	satisfaction	satisfaction	NOUN
easat-5250	401	38	[	[	X
easat-5250	401	39	67	67	NUM
easat-5250	401	40	]	]	PUNCT
easat-5250	401	41	.	.	PUNCT
easat-5250	402	1	the	the	DET
easat-5250	402	2	impact	impact	NOUN
easat-5250	402	3	of	of	ADP
easat-5250	402	4	convenience	convenience	NOUN
easat-5250	402	5	on	on	ADP
easat-5250	402	6	customer	customer	NOUN
easat-5250	402	7	satisfaction	satisfaction	NOUN
easat-5250	402	8	is	be	AUX
easat-5250	402	9	significant	significant	ADJ
easat-5250	402	10	.	.	PUNCT
easat-5250	403	1	the	the	DET
easat-5250	403	2	positive	positive	ADJ
easat-5250	403	3	path	path	NOUN
easat-5250	403	4	coefficient	coefficient	NOUN
easat-5250	403	5	of	of	ADP
easat-5250	403	6	0.203	0.203	NUM
easat-5250	403	7	,	,	PUNCT
easat-5250	403	8	along	along	ADP
easat-5250	403	9	with	with	ADP
easat-5250	403	10	a	a	DET
easat-5250	403	11	t	t	NOUN
easat-5250	403	12	-	-	PUNCT
easat-5250	403	13	statistic	statistic	NOUN
easat-5250	403	14	of	of	ADP
easat-5250	403	15	2.650	2.650	NUM
easat-5250	403	16	that	that	PRON
easat-5250	403	17	surpasses	surpass	VERB
easat-5250	403	18	the	the	DET
easat-5250	403	19	1.96	1.96	NUM
easat-5250	403	20	threshold	threshold	NOUN
easat-5250	403	21	,	,	PUNCT
easat-5250	403	22	and	and	CCONJ
easat-5250	403	23	a	a	DET
easat-5250	403	24	p	p	NOUN
easat-5250	403	25	-	-	PUNCT
easat-5250	403	26	value	value	NOUN
easat-5250	403	27	of	of	ADP
easat-5250	403	28	0.008	0.008	NUM
easat-5250	403	29	,	,	PUNCT
easat-5250	403	30	demonstrates	demonstrate	VERB
easat-5250	403	31	statistical	statistical	ADJ
easat-5250	403	32	significance	significance	NOUN
easat-5250	403	33	at	at	ADP
easat-5250	403	34	the	the	DET
easat-5250	403	35	0.05	0.05	NUM
easat-5250	403	36	level	level	NOUN
easat-5250	403	37	,	,	PUNCT
easat-5250	403	38	as	as	SCONJ
easat-5250	403	39	the	the	DET
easat-5250	403	40	p	p	NOUN
easat-5250	403	41	-	-	PUNCT
easat-5250	403	42	value	value	NOUN
easat-5250	403	43	is	be	AUX
easat-5250	403	44	less	less	ADJ
easat-5250	403	45	than	than	ADP
easat-5250	403	46	0.05	0.05	NUM
easat-5250	403	47	.	.	PUNCT
easat-5250	404	1	this	this	PRON
easat-5250	404	2	indicates	indicate	VERB
easat-5250	404	3	that	that	SCONJ
easat-5250	404	4	convenience	convenience	NOUN
easat-5250	404	5	has	have	VERB
easat-5250	404	6	a	a	DET
easat-5250	404	7	positive	positive	ADJ
easat-5250	404	8	and	and	CCONJ
easat-5250	404	9	significant	significant	ADJ
easat-5250	404	10	effect	effect	NOUN
easat-5250	404	11	on	on	ADP
easat-5250	404	12	customer	customer	NOUN
easat-5250	404	13	satisfaction	satisfaction	NOUN
easat-5250	404	14	.	.	PUNCT
easat-5250	405	1	as	as	ADP
easat-5250	405	2	a	a	DET
easat-5250	405	3	result	result	NOUN
easat-5250	405	4	,	,	PUNCT
easat-5250	405	5	hypothesis	hypothesis	NOUN
easat-5250	405	6	6	6	NUM
easat-5250	405	7	is	be	AUX
easat-5250	405	8	accepted	accept	VERB
easat-5250	405	9	.	.	PUNCT
easat-5250	406	1	the	the	DET
easat-5250	406	2	concept	concept	NOUN
easat-5250	406	3	of	of	ADP
easat-5250	406	4	convenience	convenience	NOUN
easat-5250	406	5	in	in	ADP
easat-5250	406	6	digital	digital	ADJ
easat-5250	406	7	banking	banking	NOUN
easat-5250	406	8	pertains	pertain	NOUN
easat-5250	406	9	to	to	ADP
easat-5250	406	10	the	the	DET
easat-5250	406	11	accessibility	accessibility	NOUN
easat-5250	406	12	and	and	CCONJ
easat-5250	406	13	userfriendliness	userfriendliness	NOUN
easat-5250	406	14	of	of	ADP
easat-5250	406	15	digital	digital	ADJ
easat-5250	406	16	services	service	NOUN
easat-5250	406	17	,	,	PUNCT
easat-5250	406	18	highlighting	highlight	VERB
easat-5250	406	19	the	the	DET
easat-5250	406	20	capability	capability	NOUN
easat-5250	406	21	for	for	SCONJ
easat-5250	406	22	users	user	NOUN
easat-5250	406	23	to	to	PART
easat-5250	406	24	engage	engage	VERB
easat-5250	406	25	with	with	ADP
easat-5250	406	26	these	these	DET
easat-5250	406	27	services	service	NOUN
easat-5250	406	28	at	at	ADP
easat-5250	406	29	any	any	DET
easat-5250	406	30	time	time	NOUN
easat-5250	406	31	and	and	CCONJ
easat-5250	406	32	from	from	ADP
easat-5250	406	33	any	any	DET
easat-5250	406	34	location	location	NOUN
easat-5250	406	35	.	.	PUNCT
easat-5250	407	1	the	the	DET
easat-5250	407	2	findings	finding	NOUN
easat-5250	407	3	indicate	indicate	VERB
easat-5250	407	4	that	that	DET
easat-5250	407	5	generation	generation	NOUN
easat-5250	407	6	z	z	NOUN
easat-5250	407	7	,	,	PUNCT
easat-5250	407	8	emphasizing	emphasize	VERB
easat-5250	407	9	convenience	convenience	NOUN
easat-5250	407	10	in	in	ADP
easat-5250	407	11	transactions	transaction	NOUN
easat-5250	407	12	,	,	PUNCT
easat-5250	407	13	exhibits	exhibit	VERB
easat-5250	407	14	higher	high	ADJ
easat-5250	407	15	satisfaction	satisfaction	NOUN
easat-5250	407	16	levels	level	NOUN
easat-5250	407	17	with	with	ADP
easat-5250	407	18	services	service	NOUN
easat-5250	407	19	that	that	PRON
easat-5250	407	20	provide	provide	VERB
easat-5250	407	21	flexible	flexible	ADJ
easat-5250	407	22	and	and	CCONJ
easat-5250	407	23	straightforward	straightforward	ADJ
easat-5250	407	24	access	access	NOUN
easat-5250	407	25	.	.	PUNCT
easat-5250	408	1	this	this	DET
easat-5250	408	2	study	study	NOUN
easat-5250	408	3	demonstrates	demonstrate	VERB
easat-5250	408	4	that	that	SCONJ
easat-5250	408	5	the	the	DET
easat-5250	408	6	ease	ease	NOUN
easat-5250	408	7	of	of	ADP
easat-5250	408	8	utilizing	utilize	VERB
easat-5250	408	9	digital	digital	ADJ
easat-5250	408	10	banking	banking	NOUN
easat-5250	408	11	services	service	NOUN
easat-5250	408	12	has	have	VERB
easat-5250	408	13	a	a	DET
easat-5250	408	14	direct	direct	ADJ
easat-5250	408	15	impact	impact	NOUN
easat-5250	408	16	on	on	ADP
easat-5250	408	17	customer	customer	NOUN
easat-5250	408	18	satisfaction	satisfaction	NOUN
easat-5250	408	19	levels	level	NOUN
easat-5250	408	20	.	.	PUNCT
easat-5250	409	1	this	this	DET
easat-5250	409	2	convenience	convenience	NOUN
easat-5250	409	3	leads	lead	VERB
easat-5250	409	4	to	to	ADP
easat-5250	409	5	customer	customer	NOUN
easat-5250	409	6	satisfaction	satisfaction	NOUN
easat-5250	409	7	and	and	CCONJ
easat-5250	409	8	increases	increase	VERB
easat-5250	409	9	the	the	DET
easat-5250	409	10	likelihood	likelihood	NOUN
easat-5250	409	11	of	of	ADP
easat-5250	409	12	continued	continue	VERB
easat-5250	409	13	use	use	NOUN
easat-5250	409	14	of	of	ADP
easat-5250	409	15	services	service	NOUN
easat-5250	409	16	that	that	PRON
easat-5250	409	17	eliminate	eliminate	VERB
easat-5250	409	18	time	time	NOUN
easat-5250	409	19	and	and	CCONJ
easat-5250	409	20	location	location	NOUN
easat-5250	409	21	constraints	constraint	NOUN
easat-5250	409	22	for	for	ADP
easat-5250	409	23	transactions	transaction	NOUN
easat-5250	409	24	.	.	PUNCT
easat-5250	410	1	previous	previous	ADJ
easat-5250	410	2	studies	study	NOUN
easat-5250	410	3	support	support	VERB
easat-5250	410	4	these	these	DET
easat-5250	410	5	findings	finding	NOUN
easat-5250	410	6	,	,	PUNCT
easat-5250	410	7	demonstrating	demonstrate	VERB
easat-5250	410	8	that	that	SCONJ
easat-5250	410	9	convenience	convenience	NOUN
easat-5250	410	10	significantly	significantly	ADV
easat-5250	410	11	influences	influence	VERB
easat-5250	410	12	customer	customer	NOUN
easat-5250	410	13	satisfaction	satisfaction	NOUN
easat-5250	410	14	[	[	X
easat-5250	410	15	43	43	NUM
easat-5250	410	16	,	,	PUNCT
easat-5250	410	17	45	45	NUM
easat-5250	410	18	]	]	PUNCT
easat-5250	410	19	.	.	PUNCT
easat-5250	411	1	there	there	PRON
easat-5250	411	2	is	be	VERB
easat-5250	411	3	a	a	DET
easat-5250	411	4	significant	significant	ADJ
easat-5250	411	5	relationship	relationship	NOUN
easat-5250	411	6	between	between	ADP
easat-5250	411	7	promotion	promotion	NOUN
easat-5250	411	8	policies	policy	NOUN
easat-5250	411	9	and	and	CCONJ
easat-5250	411	10	customer	customer	NOUN
easat-5250	411	11	satisfaction	satisfaction	NOUN
easat-5250	411	12	.	.	PUNCT
easat-5250	412	1	the	the	DET
easat-5250	412	2	path	path	NOUN
easat-5250	412	3	coefficient	coefficient	NOUN
easat-5250	412	4	is	be	AUX
easat-5250	412	5	positive	positive	ADJ
easat-5250	412	6	at	at	ADP
easat-5250	412	7	0.103	0.103	NUM
easat-5250	412	8	,	,	PUNCT
easat-5250	412	9	accompanied	accompany	VERB
easat-5250	412	10	by	by	ADP
easat-5250	412	11	a	a	DET
easat-5250	412	12	t	t	NOUN
easat-5250	412	13	-	-	PUNCT
easat-5250	412	14	statistic	statistic	NOUN
easat-5250	412	15	of	of	ADP
easat-5250	412	16	2.148	2.148	NUM
easat-5250	412	17	,	,	PUNCT
easat-5250	412	18	which	which	PRON
easat-5250	412	19	exceeds	exceed	VERB
easat-5250	412	20	the	the	DET
easat-5250	412	21	critical	critical	ADJ
easat-5250	412	22	threshold	threshold	NOUN
easat-5250	412	23	of	of	ADP
easat-5250	412	24	1.96	1.96	NUM
easat-5250	412	25	.	.	PUNCT
easat-5250	413	1	additionally	additionally	ADV
easat-5250	413	2	,	,	PUNCT
easat-5250	413	3	the	the	DET
easat-5250	413	4	p	p	NOUN
easat-5250	413	5	-	-	PUNCT
easat-5250	413	6	value	value	NOUN
easat-5250	413	7	is	be	AUX
easat-5250	413	8	0.032	0.032	NUM
easat-5250	413	9	,	,	PUNCT
easat-5250	413	10	which	which	PRON
easat-5250	413	11	meets	meet	VERB
easat-5250	413	12	the	the	DET
easat-5250	413	13	significance	significance	NOUN
easat-5250	413	14	criterion	criterion	NOUN
easat-5250	413	15	of	of	ADP
easat-5250	413	16	p	p	NOUN
easat-5250	413	17	-	-	PUNCT
easat-5250	413	18	value	value	NOUN
easat-5250	413	19	<	<	X
easat-5250	413	20	0.05	0.05	NUM
easat-5250	413	21	.	.	PUNCT
easat-5250	414	1	as	as	ADP
easat-5250	414	2	a	a	DET
easat-5250	414	3	result	result	NOUN
easat-5250	414	4	,	,	PUNCT
easat-5250	414	5	hypothesis	hypothesis	NOUN
easat-5250	414	6	7	7	NUM
easat-5250	414	7	is	be	AUX
easat-5250	414	8	accepted	accept	VERB
easat-5250	414	9	.	.	PUNCT
easat-5250	415	1	the	the	DET
easat-5250	415	2	results	result	NOUN
easat-5250	415	3	of	of	ADP
easat-5250	415	4	the	the	DET
easat-5250	415	5	descriptive	descriptive	ADJ
easat-5250	415	6	analysis	analysis	NOUN
easat-5250	415	7	indicate	indicate	VERB
easat-5250	415	8	that	that	SCONJ
easat-5250	415	9	promotion	promotion	NOUN
easat-5250	415	10	-	-	PUNCT
easat-5250	415	11	related	relate	VERB
easat-5250	415	12	indicators	indicator	NOUN
easat-5250	415	13	,	,	PUNCT
easat-5250	415	14	such	such	ADJ
easat-5250	415	15	as	as	ADP
easat-5250	415	16	prom2	prom2	PROPN
easat-5250	415	17	(	(	PUNCT
easat-5250	415	18	the	the	DET
easat-5250	415	19	promotions	promotion	NOUN
easat-5250	415	20	offered	offer	VERB
easat-5250	415	21	by	by	ADP
easat-5250	415	22	this	this	DET
easat-5250	415	23	digital	digital	ADJ
easat-5250	415	24	bank	bank	NOUN
easat-5250	415	25	are	be	AUX
easat-5250	415	26	appealing	appeal	VERB
easat-5250	415	27	and	and	CCONJ
easat-5250	415	28	add	add	VERB
easat-5250	415	29	value	value	NOUN
easat-5250	415	30	for	for	ADP
easat-5250	415	31	me	i	PRON
easat-5250	415	32	)	)	PUNCT
easat-5250	415	33	,	,	PUNCT
easat-5250	415	34	exhibit	exhibit	VERB
easat-5250	415	35	a	a	DET
easat-5250	415	36	relatively	relatively	ADV
easat-5250	415	37	high	high	ADJ
easat-5250	415	38	average	average	ADJ
easat-5250	415	39	value	value	NOUN
easat-5250	415	40	.	.	PUNCT
easat-5250	416	1	this	this	PRON
easat-5250	416	2	suggests	suggest	VERB
easat-5250	416	3	that	that	SCONJ
easat-5250	416	4	customers	customer	NOUN
easat-5250	416	5	like	like	ADP
easat-5250	416	6	promotions	promotion	NOUN
easat-5250	416	7	that	that	PRON
easat-5250	416	8	offer	offer	VERB
easat-5250	416	9	direct	direct	ADJ
easat-5250	416	10	advantages	advantage	NOUN
easat-5250	416	11	,	,	PUNCT
easat-5250	416	12	such	such	ADJ
easat-5250	416	13	as	as	ADP
easat-5250	416	14	discounts	discount	NOUN
easat-5250	416	15	or	or	CCONJ
easat-5250	416	16	cashback	cashback	NOUN
easat-5250	416	17	,	,	PUNCT
easat-5250	416	18	so	so	ADV
easat-5250	416	19	enhancing	enhance	VERB
easat-5250	416	20	the	the	DET
easat-5250	416	21	value	value	NOUN
easat-5250	416	22	of	of	ADP
easat-5250	416	23	the	the	DET
easat-5250	416	24	services	service	NOUN
easat-5250	416	25	they	they	PRON
easat-5250	416	26	obtain	obtain	VERB
easat-5250	416	27	.	.	PUNCT
easat-5250	417	1	previous	previous	ADJ
easat-5250	417	2	research	research	NOUN
easat-5250	417	3	by	by	ADP
easat-5250	417	4	le	le	PROPN
easat-5250	417	5	,	,	PUNCT
easat-5250	417	6	et	et	PROPN
easat-5250	417	7	al	al	PROPN
easat-5250	417	8	.	.	PUNCT
easat-5250	418	1	[	[	X
easat-5250	418	2	28	28	NUM
easat-5250	418	3	]	]	PUNCT
easat-5250	418	4	showed	show	VERB
easat-5250	418	5	that	that	SCONJ
easat-5250	418	6	promotional	promotional	ADJ
easat-5250	418	7	policies	policy	NOUN
easat-5250	418	8	have	have	VERB
easat-5250	418	9	a	a	DET
easat-5250	418	10	significant	significant	ADJ
easat-5250	418	11	impact	impact	NOUN
easat-5250	418	12	on	on	ADP
easat-5250	418	13	customer	customer	NOUN
easat-5250	418	14	satisfaction	satisfaction	NOUN
easat-5250	418	15	.	.	PUNCT
easat-5250	419	1	in	in	ADP
easat-5250	419	2	addition	addition	NOUN
easat-5250	419	3	,	,	PUNCT
easat-5250	419	4	promotions	promotion	NOUN
easat-5250	419	5	such	such	ADJ
easat-5250	419	6	as	as	ADP
easat-5250	419	7	cashback	cashback	NOUN
easat-5250	419	8	and	and	CCONJ
easat-5250	419	9	discounts	discount	NOUN
easat-5250	419	10	have	have	AUX
easat-5250	419	11	proven	prove	VERB
easat-5250	419	12	to	to	PART
easat-5250	419	13	be	be	AUX
easat-5250	419	14	relevant	relevant	ADJ
easat-5250	419	15	to	to	ADP
easat-5250	419	16	generation	generation	VERB
easat-5250	419	17	z	z	NOUN
easat-5250	419	18	,	,	PUNCT
easat-5250	419	19	encouraging	encourage	VERB
easat-5250	419	20	them	they	PRON
easat-5250	419	21	to	to	PART
easat-5250	419	22	more	more	ADV
easat-5250	419	23	actively	actively	ADV
easat-5250	419	24	use	use	VERB
easat-5250	419	25	digital	digital	ADJ
easat-5250	419	26	services	service	NOUN
easat-5250	419	27	[	[	X
easat-5250	419	28	68	68	NUM
easat-5250	419	29	,	,	PUNCT
easat-5250	419	30	69	69	NUM
easat-5250	419	31	]	]	SYM
easat-5250	419	32	6	6	NUM
easat-5250	419	33	.	.	X
easat-5250	419	34	conclusion	conclusion	NOUN
easat-5250	419	35	and	and	CCONJ
easat-5250	419	36	suggestion	suggestion	NOUN
easat-5250	419	37	this	this	DET
easat-5250	419	38	research	research	NOUN
easat-5250	419	39	examines	examine	VERB
easat-5250	419	40	the	the	DET
easat-5250	419	41	determinants	determinant	NOUN
easat-5250	419	42	affecting	affect	VERB
easat-5250	419	43	generation	generation	NOUN
easat-5250	419	44	z	z	PROPN
easat-5250	419	45	's	's	PART
easat-5250	419	46	satisfaction	satisfaction	NOUN
easat-5250	419	47	with	with	ADP
easat-5250	419	48	digital	digital	ADJ
easat-5250	419	49	banking	banking	NOUN
easat-5250	419	50	services	service	NOUN
easat-5250	419	51	in	in	ADP
easat-5250	419	52	jabodetabek	jabodetabek	PROPN
easat-5250	419	53	,	,	PUNCT
easat-5250	419	54	employing	employ	VERB
easat-5250	419	55	the	the	DET
easat-5250	419	56	extended	extended	ADJ
easat-5250	419	57	e	e	NOUN
easat-5250	419	58	-	-	ADJ
easat-5250	419	59	s	s	ADP
easat-5250	419	60	-	-	PUNCT
easat-5250	419	61	qual	qual	ADJ
easat-5250	419	62	model	model	NOUN
easat-5250	419	63	.	.	PUNCT
easat-5250	420	1	the	the	DET
easat-5250	420	2	research	research	NOUN
easat-5250	420	3	findings	finding	NOUN
easat-5250	420	4	indicate	indicate	VERB
easat-5250	420	5	that	that	DET
easat-5250	420	6	efficiency	efficiency	NOUN
easat-5250	420	7	,	,	PUNCT
easat-5250	420	8	trust	trust	NOUN
easat-5250	420	9	,	,	PUNCT
easat-5250	420	10	and	and	CCONJ
easat-5250	420	11	convenience	convenience	NOUN
easat-5250	420	12	(	(	PUNCT
easat-5250	420	13	h1	h1	PROPN
easat-5250	420	14	,	,	PUNCT
easat-5250	420	15	h5	h5	PROPN
easat-5250	420	16	,	,	PUNCT
easat-5250	420	17	h6	h6	PROPN
easat-5250	420	18	,	,	PUNCT
easat-5250	420	19	h7	h7	PROPN
easat-5250	420	20	)	)	PUNCT
easat-5250	420	21	significantly	significantly	ADV
easat-5250	420	22	positively	positively	ADV
easat-5250	420	23	impact	impact	NOUN
easat-5250	420	24	generation	generation	NOUN
easat-5250	420	25	z	z	NOUN
easat-5250	420	26	customer	customer	NOUN
easat-5250	420	27	satisfaction	satisfaction	NOUN
easat-5250	420	28	.	.	PUNCT
easat-5250	421	1	the	the	DET
easat-5250	421	2	primary	primary	ADJ
easat-5250	421	3	factors	factor	NOUN
easat-5250	421	4	influencing	influence	VERB
easat-5250	421	5	satisfaction	satisfaction	NOUN
easat-5250	421	6	are	be	AUX
easat-5250	421	7	transaction	transaction	NOUN
easat-5250	421	8	speed	speed	NOUN
easat-5250	421	9	and	and	CCONJ
easat-5250	421	10	ease	ease	NOUN
easat-5250	421	11	of	of	ADP
easat-5250	421	12	access	access	NOUN
easat-5250	421	13	,	,	PUNCT
easat-5250	421	14	aligning	align	VERB
easat-5250	421	15	with	with	ADP
easat-5250	421	16	generation	generation	NOUN
easat-5250	421	17	z	z	PROPN
easat-5250	421	18	's	's	PART
easat-5250	421	19	preference	preference	NOUN
easat-5250	421	20	for	for	ADP
easat-5250	421	21	efficiency	efficiency	NOUN
easat-5250	421	22	in	in	ADP
easat-5250	421	23	transactions	transaction	NOUN
easat-5250	421	24	.	.	PUNCT
easat-5250	422	1	trust	trust	NOUN
easat-5250	422	2	is	be	AUX
easat-5250	422	3	significant	significant	ADJ
easat-5250	422	4	;	;	PUNCT
easat-5250	422	5	a	a	DET
easat-5250	422	6	greater	great	ADJ
easat-5250	422	7	level	level	NOUN
easat-5250	422	8	of	of	ADP
easat-5250	422	9	customer	customer	NOUN
easat-5250	422	10	trust	trust	NOUN
easat-5250	422	11	in	in	ADP
easat-5250	422	12	digital	digital	ADJ
easat-5250	422	13	banks	bank	NOUN
easat-5250	422	14	correlates	correlate	VERB
easat-5250	422	15	with	with	ADP
easat-5250	422	16	increased	increase	VERB
easat-5250	422	17	satisfaction	satisfaction	NOUN
easat-5250	422	18	.	.	PUNCT
easat-5250	423	1	the	the	DET
easat-5250	423	2	24/7	24/7	PROPN
easat-5250	423	3	accessibility	accessibility	NOUN
easat-5250	423	4	significantly	significantly	ADV
easat-5250	423	5	enhances	enhance	VERB
easat-5250	423	6	the	the	DET
easat-5250	423	7	satisfaction	satisfaction	NOUN
easat-5250	423	8	of	of	ADP
easat-5250	423	9	generation	generation	NOUN
easat-5250	423	10	z	z	NOUN
easat-5250	423	11	customers	customer	NOUN
easat-5250	423	12	,	,	PUNCT
easat-5250	423	13	who	who	PRON
easat-5250	423	14	prioritize	prioritize	VERB
easat-5250	423	15	flexibility	flexibility	NOUN
easat-5250	423	16	in	in	ADP
easat-5250	423	17	financial	financial	ADJ
easat-5250	423	18	management	management	NOUN
easat-5250	423	19	.	.	PUNCT
easat-5250	424	1	conversely	conversely	ADV
easat-5250	424	2	,	,	PUNCT
easat-5250	424	3	fulfillment	fulfillment	NOUN
easat-5250	424	4	,	,	PUNCT
easat-5250	424	5	system	system	NOUN
easat-5250	424	6	availability	availability	NOUN
easat-5250	424	7	,	,	PUNCT
easat-5250	424	8	and	and	CCONJ
easat-5250	424	9	security	security	NOUN
easat-5250	424	10	(	(	PUNCT
easat-5250	424	11	h2	h2	PROPN
easat-5250	424	12	,	,	PUNCT
easat-5250	424	13	h3	h3	NOUN
easat-5250	424	14	,	,	PUNCT
easat-5250	424	15	h4	h4	PROPN
easat-5250	424	16	)	)	PUNCT
easat-5250	424	17	did	do	AUX
easat-5250	424	18	not	not	PART
easat-5250	424	19	demonstrate	demonstrate	VERB
easat-5250	424	20	a	a	DET
easat-5250	424	21	significant	significant	ADJ
easat-5250	424	22	impact	impact	NOUN
easat-5250	424	23	on	on	ADP
easat-5250	424	24	customer	customer	NOUN
easat-5250	424	25	satisfaction	satisfaction	NOUN
easat-5250	424	26	in	in	ADP
easat-5250	424	27	this	this	DET
easat-5250	424	28	study	study	NOUN
easat-5250	424	29	.	.	PUNCT
easat-5250	425	1	while	while	SCONJ
easat-5250	425	2	these	these	DET
easat-5250	425	3	factors	factor	NOUN
easat-5250	425	4	are	be	AUX
easat-5250	425	5	significant	significant	ADJ
easat-5250	425	6	within	within	ADP
easat-5250	425	7	the	the	DET
easat-5250	425	8	e	e	PROPN
easat-5250	425	9	-	-	ADJ
easat-5250	425	10	s	s	ADP
easat-5250	425	11	-	-	PUNCT
easat-5250	425	12	qual	qual	ADJ
easat-5250	425	13	theory	theory	NOUN
easat-5250	425	14	,	,	PUNCT
easat-5250	425	15	generation	generation	NOUN
easat-5250	425	16	z	z	NOUN
easat-5250	425	17	does	do	AUX
easat-5250	425	18	not	not	PART
easat-5250	425	19	directly	directly	ADV
easat-5250	425	20	perceive	perceive	VERB
easat-5250	425	21	them	they	PRON
easat-5250	425	22	in	in	ADP
easat-5250	425	23	their	their	PRON
easat-5250	425	24	507	507	NUM
easat-5250	425	25	edelweiss	edelweiss	PROPN
easat-5250	425	26	applied	apply	VERB
easat-5250	425	27	science	science	NOUN
easat-5250	425	28	and	and	CCONJ
easat-5250	425	29	technology	technology	NOUN
easat-5250	425	30	issn	issn	PROPN
easat-5250	425	31	:	:	PUNCT
easat-5250	425	32	2576	2576	NUM
easat-5250	425	33	-	-	SYM
easat-5250	425	34	8484	8484	NUM
easat-5250	425	35	vol	vol	NOUN
easat-5250	425	36	.	.	PROPN
easat-5250	426	1	9	9	NUM
easat-5250	426	2	,	,	PUNCT
easat-5250	426	3	no	no	INTJ
easat-5250	426	4	.	.	NOUN
easat-5250	427	1	3	3	NUM
easat-5250	427	2	:	:	PUNCT
easat-5250	427	3	489	489	NUM
easat-5250	427	4	-	-	SYM
easat-5250	427	5	510	510	NUM
easat-5250	427	6	,	,	PUNCT
easat-5250	427	7	2025	2025	NUM
easat-5250	427	8	doi	doi	NOUN
easat-5250	427	9	:	:	PUNCT
easat-5250	427	10	10.55214/25768484.v9i3.5250	10.55214/25768484.v9i3.5250	NUM
easat-5250	427	11	©	©	PROPN
easat-5250	427	12	2025	2025	NUM
easat-5250	427	13	by	by	ADP
easat-5250	427	14	the	the	DET
easat-5250	427	15	authors	author	NOUN
easat-5250	427	16	;	;	PUNCT
easat-5250	427	17	licensee	licensee	PROPN
easat-5250	427	18	learning	learn	VERB
easat-5250	427	19	gate	gate	NOUN
easat-5250	427	20	experiences	experience	NOUN
easat-5250	427	21	with	with	ADP
easat-5250	427	22	digital	digital	ADJ
easat-5250	427	23	banking	banking	NOUN
easat-5250	427	24	services	service	NOUN
easat-5250	427	25	.	.	PUNCT
easat-5250	428	1	this	this	PRON
easat-5250	428	2	suggests	suggest	VERB
easat-5250	428	3	that	that	SCONJ
easat-5250	428	4	while	while	SCONJ
easat-5250	428	5	these	these	DET
easat-5250	428	6	features	feature	NOUN
easat-5250	428	7	are	be	AUX
easat-5250	428	8	present	present	ADJ
easat-5250	428	9	,	,	PUNCT
easat-5250	428	10	users	user	NOUN
easat-5250	428	11	do	do	AUX
easat-5250	428	12	not	not	PART
easat-5250	428	13	perceive	perceive	VERB
easat-5250	428	14	them	they	PRON
easat-5250	428	15	as	as	ADP
easat-5250	428	16	significantly	significantly	ADV
easat-5250	428	17	contributing	contribute	VERB
easat-5250	428	18	to	to	ADP
easat-5250	428	19	their	their	PRON
easat-5250	428	20	satisfaction	satisfaction	NOUN
easat-5250	428	21	with	with	ADP
easat-5250	428	22	the	the	DET
easat-5250	428	23	services	service	NOUN
easat-5250	428	24	offered	offer	VERB
easat-5250	428	25	.	.	PUNCT
easat-5250	429	1	the	the	DET
easat-5250	429	2	findings	finding	NOUN
easat-5250	429	3	indicate	indicate	VERB
easat-5250	429	4	that	that	DET
easat-5250	429	5	generation	generation	NOUN
easat-5250	429	6	z	z	NOUN
easat-5250	429	7	emphasizes	emphasize	VERB
easat-5250	429	8	factors	factor	NOUN
easat-5250	429	9	associated	associate	VERB
easat-5250	429	10	with	with	ADP
easat-5250	429	11	service	service	NOUN
easat-5250	429	12	convenience	convenience	NOUN
easat-5250	429	13	and	and	CCONJ
easat-5250	429	14	efficiency	efficiency	NOUN
easat-5250	429	15	,	,	PUNCT
easat-5250	429	16	including	include	VERB
easat-5250	429	17	transaction	transaction	NOUN
easat-5250	429	18	speed	speed	NOUN
easat-5250	429	19	,	,	PUNCT
easat-5250	429	20	app	app	NOUN
easat-5250	429	21	usability	usability	NOUN
easat-5250	429	22	,	,	PUNCT
easat-5250	429	23	and	and	CCONJ
easat-5250	429	24	trust	trust	NOUN
easat-5250	429	25	in	in	ADP
easat-5250	429	26	digital	digital	ADJ
easat-5250	429	27	banking	banking	NOUN
easat-5250	429	28	institutions	institution	NOUN
easat-5250	429	29	.	.	PUNCT
easat-5250	430	1	digital	digital	ADJ
easat-5250	430	2	banking	banking	NOUN
easat-5250	430	3	service	service	NOUN
easat-5250	430	4	providers	provider	NOUN
easat-5250	430	5	must	must	AUX
easat-5250	430	6	prioritize	prioritize	VERB
easat-5250	430	7	enhancements	enhancement	NOUN
easat-5250	430	8	and	and	CCONJ
easat-5250	430	9	feature	feature	NOUN
easat-5250	430	10	development	development	NOUN
easat-5250	430	11	in	in	ADP
easat-5250	430	12	these	these	DET
easat-5250	430	13	areas	area	NOUN
easat-5250	430	14	to	to	PART
easat-5250	430	15	align	align	VERB
easat-5250	430	16	with	with	ADP
easat-5250	430	17	the	the	DET
easat-5250	430	18	expectations	expectation	NOUN
easat-5250	430	19	of	of	ADP
easat-5250	430	20	generation	generation	NOUN
easat-5250	430	21	z	z	NOUN
easat-5250	430	22	customers	customer	NOUN
easat-5250	430	23	and	and	CCONJ
easat-5250	430	24	enhance	enhance	VERB
easat-5250	430	25	their	their	PRON
easat-5250	430	26	satisfaction	satisfaction	NOUN
easat-5250	430	27	.	.	PUNCT
easat-5250	431	1	future	future	ADJ
easat-5250	431	2	research	research	NOUN
easat-5250	431	3	could	could	AUX
easat-5250	431	4	explore	explore	VERB
easat-5250	431	5	alternative	alternative	ADJ
easat-5250	431	6	service	service	NOUN
easat-5250	431	7	quality	quality	NOUN
easat-5250	431	8	frameworks	framework	NOUN
easat-5250	431	9	or	or	CCONJ
easat-5250	431	10	enhance	enhance	VERB
easat-5250	431	11	current	current	ADJ
easat-5250	431	12	frameworks	framework	NOUN
easat-5250	431	13	to	to	PART
easat-5250	431	14	yield	yield	VERB
easat-5250	431	15	comparable	comparable	ADJ
easat-5250	431	16	and	and	CCONJ
easat-5250	431	17	comprehensive	comprehensive	ADJ
easat-5250	431	18	results	result	NOUN
easat-5250	431	19	.	.	PUNCT
easat-5250	432	1	other	other	ADJ
easat-5250	432	2	moderating	moderating	NOUN
easat-5250	432	3	variables	variable	NOUN
easat-5250	432	4	,	,	PUNCT
easat-5250	432	5	including	include	VERB
easat-5250	432	6	economic	economic	ADJ
easat-5250	432	7	status	status	NOUN
easat-5250	432	8	,	,	PUNCT
easat-5250	432	9	may	may	AUX
easat-5250	432	10	be	be	AUX
easat-5250	432	11	examined	examine	VERB
easat-5250	432	12	to	to	PART
easat-5250	432	13	investigate	investigate	VERB
easat-5250	432	14	the	the	DET
easat-5250	432	15	determinants	determinant	NOUN
easat-5250	432	16	of	of	ADP
easat-5250	432	17	customer	customer	NOUN
easat-5250	432	18	satisfaction	satisfaction	NOUN
easat-5250	432	19	and	and	CCONJ
easat-5250	432	20	loyalty	loyalty	NOUN
easat-5250	432	21	towards	towards	ADP
easat-5250	432	22	their	their	PRON
easat-5250	432	23	bank	bank	NOUN
easat-5250	432	24	.	.	PUNCT
easat-5250	433	1	this	this	DET
easat-5250	433	2	framework	framework	NOUN
easat-5250	433	3	may	may	AUX
easat-5250	433	4	be	be	AUX
easat-5250	433	5	integrated	integrate	VERB
easat-5250	433	6	with	with	ADP
easat-5250	433	7	additional	additional	ADJ
easat-5250	433	8	models	model	NOUN
easat-5250	433	9	to	to	PART
easat-5250	433	10	identify	identify	VERB
easat-5250	433	11	the	the	DET
easat-5250	433	12	factors	factor	NOUN
easat-5250	433	13	influencing	influence	VERB
easat-5250	433	14	customers	customer	NOUN
easat-5250	433	15	'	'	PART
easat-5250	433	16	decisions	decision	NOUN
easat-5250	433	17	to	to	PART
easat-5250	433	18	sustain	sustain	VERB
easat-5250	433	19	a	a	DET
easat-5250	433	20	digital	digital	ADJ
easat-5250	433	21	banking	banking	NOUN
easat-5250	433	22	relationship	relationship	NOUN
easat-5250	433	23	.	.	PUNCT
easat-5250	434	1	subsequent	subsequent	ADJ
easat-5250	434	2	studies	study	NOUN
easat-5250	434	3	could	could	AUX
easat-5250	434	4	examine	examine	VERB
easat-5250	434	5	the	the	DET
easat-5250	434	6	moderating	moderate	VERB
easat-5250	434	7	influence	influence	NOUN
easat-5250	434	8	of	of	ADP
easat-5250	434	9	gender	gender	NOUN
easat-5250	434	10	variables	variable	NOUN
easat-5250	434	11	by	by	ADP
easat-5250	434	12	incorporating	incorporate	VERB
easat-5250	434	13	additional	additional	ADJ
easat-5250	434	14	constructs	construct	NOUN
easat-5250	434	15	that	that	PRON
easat-5250	434	16	address	address	VERB
easat-5250	434	17	variations	variation	NOUN
easat-5250	434	18	in	in	ADP
easat-5250	434	19	service	service	NOUN
easat-5250	434	20	needs	need	NOUN
easat-5250	434	21	or	or	CCONJ
easat-5250	434	22	preferences	preference	NOUN
easat-5250	434	23	.	.	PUNCT
easat-5250	435	1	the	the	DET
easat-5250	435	2	notable	notable	ADJ
easat-5250	435	3	moderating	moderate	VERB
easat-5250	435	4	effect	effect	NOUN
easat-5250	435	5	of	of	ADP
easat-5250	435	6	gender	gender	NOUN
easat-5250	435	7	indicates	indicate	VERB
easat-5250	435	8	that	that	SCONJ
easat-5250	435	9	male	male	ADJ
easat-5250	435	10	customer	customer	NOUN
easat-5250	435	11	satisfaction	satisfaction	NOUN
easat-5250	435	12	is	be	AUX
easat-5250	435	13	more	more	ADV
easat-5250	435	14	influenced	influence	VERB
easat-5250	435	15	by	by	ADP
easat-5250	435	16	the	the	DET
easat-5250	435	17	environmental	environmental	ADJ
easat-5250	435	18	quality	quality	NOUN
easat-5250	435	19	of	of	ADP
easat-5250	435	20	the	the	DET
easat-5250	435	21	bank	bank	NOUN
easat-5250	435	22	.	.	PUNCT
easat-5250	436	1	therefore	therefore	ADV
easat-5250	436	2	,	,	PUNCT
easat-5250	436	3	further	further	ADJ
easat-5250	436	4	investigation	investigation	NOUN
easat-5250	436	5	into	into	ADP
easat-5250	436	6	male	male	ADJ
easat-5250	436	7	customers	customer	NOUN
easat-5250	436	8	'	'	PART
easat-5250	436	9	specific	specific	ADJ
easat-5250	436	10	expectations	expectation	NOUN
easat-5250	436	11	concerning	concern	VERB
easat-5250	436	12	the	the	DET
easat-5250	436	13	environmental	environmental	ADJ
easat-5250	436	14	quality	quality	NOUN
easat-5250	436	15	aspect	aspect	NOUN
easat-5250	436	16	of	of	ADP
easat-5250	436	17	banking	banking	NOUN
easat-5250	436	18	services	service	NOUN
easat-5250	436	19	is	be	AUX
easat-5250	436	20	necessary	necessary	ADJ
easat-5250	436	21	.	.	PUNCT
easat-5250	437	1	a	a	DET
easat-5250	437	2	comprehensive	comprehensive	ADJ
easat-5250	437	3	examination	examination	NOUN
easat-5250	437	4	of	of	ADP
easat-5250	437	5	these	these	DET
easat-5250	437	6	distinct	distinct	ADJ
easat-5250	437	7	preferences	preference	NOUN
easat-5250	437	8	will	will	AUX
easat-5250	437	9	allow	allow	VERB
easat-5250	437	10	banks	bank	NOUN
easat-5250	437	11	to	to	PART
easat-5250	437	12	improve	improve	VERB
easat-5250	437	13	service	service	NOUN
easat-5250	437	14	quality	quality	NOUN
easat-5250	437	15	for	for	ADP
easat-5250	437	16	gender	gender	NOUN
easat-5250	437	17	-	-	PUNCT
easat-5250	437	18	specific	specific	ADJ
easat-5250	437	19	customer	customer	NOUN
easat-5250	437	20	segments	segment	NOUN
easat-5250	437	21	,	,	PUNCT
easat-5250	437	22	thereby	thereby	ADV
easat-5250	437	23	more	more	ADV
easat-5250	437	24	effectively	effectively	ADV
easat-5250	437	25	increasing	increase	VERB
easat-5250	437	26	customer	customer	NOUN
easat-5250	437	27	satisfaction	satisfaction	NOUN
easat-5250	437	28	.	.	PUNCT
easat-5250	438	1	expanding	expand	VERB
easat-5250	438	2	the	the	DET
easat-5250	438	3	research	research	NOUN
easat-5250	438	4	sample	sample	NOUN
easat-5250	438	5	to	to	PART
easat-5250	438	6	include	include	VERB
easat-5250	438	7	generation	generation	NOUN
easat-5250	438	8	y	y	NOUN
easat-5250	438	9	and	and	CCONJ
easat-5250	438	10	generation	generation	NOUN
easat-5250	438	11	z	z	PROPN
easat-5250	438	12	may	may	AUX
easat-5250	438	13	enhance	enhance	VERB
easat-5250	438	14	the	the	DET
easat-5250	438	15	understanding	understanding	NOUN
easat-5250	438	16	of	of	ADP
easat-5250	438	17	inter	inter	ADJ
easat-5250	438	18	-	-	ADJ
easat-5250	438	19	generational	generational	ADJ
easat-5250	438	20	preferences	preference	NOUN
easat-5250	438	21	,	,	PUNCT
easat-5250	438	22	allowing	allow	VERB
easat-5250	438	23	digital	digital	ADJ
easat-5250	438	24	banks	bank	NOUN
easat-5250	438	25	to	to	PART
easat-5250	438	26	develop	develop	VERB
easat-5250	438	27	more	more	ADV
easat-5250	438	28	comprehensive	comprehensive	ADJ
easat-5250	438	29	service	service	NOUN
easat-5250	438	30	strategies	strategy	NOUN
easat-5250	438	31	.	.	PUNCT
easat-5250	439	1	broadening	broaden	VERB
easat-5250	439	2	the	the	DET
easat-5250	439	3	demographic	demographic	ADJ
easat-5250	439	4	scope	scope	NOUN
easat-5250	439	5	of	of	ADP
easat-5250	439	6	respondents	respondent	NOUN
easat-5250	439	7	across	across	ADP
easat-5250	439	8	various	various	ADJ
easat-5250	439	9	age	age	NOUN
easat-5250	439	10	groups	group	NOUN
easat-5250	439	11	will	will	AUX
easat-5250	439	12	facilitate	facilitate	VERB
easat-5250	439	13	the	the	DET
easat-5250	439	14	identification	identification	NOUN
easat-5250	439	15	of	of	ADP
easat-5250	439	16	universal	universal	ADJ
easat-5250	439	17	satisfaction	satisfaction	NOUN
easat-5250	439	18	factors	factor	NOUN
easat-5250	439	19	as	as	ADV
easat-5250	439	20	well	well	ADV
easat-5250	439	21	as	as	ADP
easat-5250	439	22	the	the	DET
easat-5250	439	23	distinct	distinct	ADJ
easat-5250	439	24	needs	need	NOUN
easat-5250	439	25	of	of	ADP
easat-5250	439	26	each	each	DET
easat-5250	439	27	generation	generation	NOUN
easat-5250	439	28	.	.	PUNCT
easat-5250	440	1	this	this	DET
easat-5250	440	2	approach	approach	NOUN
easat-5250	440	3	will	will	AUX
easat-5250	440	4	provide	provide	VERB
easat-5250	440	5	digital	digital	ADJ
easat-5250	440	6	banks	bank	NOUN
easat-5250	440	7	with	with	ADP
easat-5250	440	8	a	a	DET
easat-5250	440	9	comprehensive	comprehensive	ADJ
easat-5250	440	10	understanding	understanding	NOUN
easat-5250	440	11	necessary	necessary	ADJ
easat-5250	440	12	to	to	PART
easat-5250	440	13	meet	meet	VERB
easat-5250	440	14	diverse	diverse	ADJ
easat-5250	440	15	customer	customer	NOUN
easat-5250	440	16	expectations	expectation	NOUN
easat-5250	440	17	.	.	PUNCT
easat-5250	441	1	transparency	transparency	NOUN
easat-5250	441	2	:	:	PUNCT
easat-5250	441	3	the	the	DET
easat-5250	441	4	authors	author	NOUN
easat-5250	441	5	confirm	confirm	VERB
easat-5250	441	6	that	that	SCONJ
easat-5250	441	7	the	the	DET
easat-5250	441	8	manuscript	manuscript	NOUN
easat-5250	441	9	is	be	AUX
easat-5250	441	10	an	an	DET
easat-5250	441	11	honest	honest	ADJ
easat-5250	441	12	,	,	PUNCT
easat-5250	441	13	accurate	accurate	ADJ
easat-5250	441	14	,	,	PUNCT
easat-5250	441	15	and	and	CCONJ
easat-5250	441	16	transparent	transparent	ADJ
easat-5250	441	17	account	account	NOUN
easat-5250	441	18	of	of	ADP
easat-5250	441	19	the	the	DET
easat-5250	441	20	study	study	NOUN
easat-5250	441	21	;	;	PUNCT
easat-5250	441	22	that	that	SCONJ
easat-5250	441	23	no	no	DET
easat-5250	441	24	vital	vital	ADJ
easat-5250	441	25	features	feature	NOUN
easat-5250	441	26	of	of	ADP
easat-5250	441	27	the	the	DET
easat-5250	441	28	study	study	NOUN
easat-5250	441	29	have	have	AUX
easat-5250	441	30	been	be	AUX
easat-5250	441	31	omitted	omit	VERB
easat-5250	441	32	;	;	PUNCT
easat-5250	441	33	and	and	CCONJ
easat-5250	441	34	that	that	SCONJ
easat-5250	441	35	any	any	DET
easat-5250	441	36	discrepancies	discrepancy	NOUN
easat-5250	441	37	from	from	ADP
easat-5250	441	38	the	the	DET
easat-5250	441	39	study	study	NOUN
easat-5250	441	40	as	as	SCONJ
easat-5250	441	41	planned	plan	VERB
easat-5250	441	42	have	have	AUX
easat-5250	441	43	been	be	AUX
easat-5250	441	44	explained	explain	VERB
easat-5250	441	45	.	.	PUNCT
easat-5250	442	1	this	this	DET
easat-5250	442	2	study	study	NOUN
easat-5250	442	3	followed	follow	VERB
easat-5250	442	4	all	all	DET
easat-5250	442	5	ethical	ethical	ADJ
easat-5250	442	6	practices	practice	NOUN
easat-5250	442	7	during	during	ADP
easat-5250	442	8	writing	writing	NOUN
easat-5250	442	9	.	.	PUNCT
easat-5250	443	1	copyright	copyright	NOUN
easat-5250	443	2	:	:	PUNCT
easat-5250	443	3	©	©	PROPN
easat-5250	443	4	2025	2025	NUM
easat-5250	443	5	by	by	ADP
easat-5250	443	6	the	the	DET
easat-5250	443	7	authors	author	NOUN
easat-5250	443	8	.	.	PUNCT
easat-5250	444	1	this	this	DET
easat-5250	444	2	open	open	ADJ
easat-5250	444	3	-	-	PUNCT
easat-5250	444	4	access	access	NOUN
easat-5250	444	5	article	article	NOUN
easat-5250	444	6	is	be	AUX
easat-5250	444	7	distributed	distribute	VERB
easat-5250	444	8	under	under	ADP
easat-5250	444	9	the	the	DET
easat-5250	444	10	terms	term	NOUN
easat-5250	444	11	and	and	CCONJ
easat-5250	444	12	conditions	condition	NOUN
easat-5250	444	13	of	of	ADP
easat-5250	444	14	the	the	DET
easat-5250	444	15	creative	creative	ADJ
easat-5250	444	16	commons	common	NOUN
easat-5250	444	17	attribution	attribution	NOUN
easat-5250	444	18	(	(	PUNCT
easat-5250	444	19	cc	cc	NOUN
easat-5250	444	20	by	by	ADP
easat-5250	444	21	)	)	PUNCT
easat-5250	444	22	license	license	NOUN
easat-5250	444	23	(	(	PUNCT
easat-5250	444	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-5250	444	25	)	)	PUNCT
easat-5250	444	26	.	.	PUNCT
easat-5250	445	1	references	reference	NOUN
easat-5250	445	2	[	[	X
easat-5250	445	3	1	1	X
easat-5250	445	4	]	]	PUNCT
easat-5250	445	5	j.	j.	PROPN
easat-5250	445	6	f.	f.	PROPN
easat-5250	445	7	rodrigues	rodrigues	PROPN
easat-5250	445	8	,	,	PUNCT
easat-5250	445	9	f.	f.	PROPN
easat-5250	445	10	a.	a.	PROPN
easat-5250	445	11	ferreira	ferreira	PROPN
easat-5250	445	12	,	,	PUNCT
easat-5250	445	13	l.	l.	PROPN
easat-5250	445	14	f.	f.	PROPN
easat-5250	445	15	pereira	pereira	PROPN
easat-5250	445	16	,	,	PUNCT
easat-5250	445	17	e.	e.	PROPN
easat-5250	445	18	g.	g.	PROPN
easat-5250	445	19	carayannis	carayannis	PROPN
easat-5250	445	20	,	,	PUNCT
easat-5250	445	21	and	and	CCONJ
easat-5250	445	22	j.	j.	PROPN
easat-5250	445	23	j.	j.	PROPN
easat-5250	445	24	ferreira	ferreira	PROPN
easat-5250	445	25	,	,	PUNCT
easat-5250	445	26	"	"	PUNCT
easat-5250	445	27	banking	banking	NOUN
easat-5250	445	28	digitalization	digitalization	NOUN
easat-5250	445	29	:	:	PUNCT
easat-5250	445	30	(	(	PUNCT
easat-5250	445	31	re	re	NOUN
easat-5250	445	32	)	)	PUNCT
easat-5250	445	33	thinking	think	VERB
easat-5250	445	34	strategies	strategy	NOUN
easat-5250	445	35	and	and	CCONJ
easat-5250	445	36	trends	trend	NOUN
easat-5250	445	37	using	use	VERB
easat-5250	445	38	problem	problem	NOUN
easat-5250	445	39	structuring	structuring	NOUN
easat-5250	445	40	methods	method	NOUN
easat-5250	445	41	,	,	PUNCT
easat-5250	445	42	"	"	PUNCT
easat-5250	445	43	ieee	ieee	NOUN
easat-5250	445	44	transactions	transaction	NOUN
easat-5250	445	45	on	on	ADP
easat-5250	445	46	engineering	engineering	NOUN
easat-5250	445	47	management	management	NOUN
easat-5250	445	48	,	,	PUNCT
easat-5250	445	49	vol	vol	NOUN
easat-5250	445	50	.	.	PROPN
easat-5250	446	1	69	69	NUM
easat-5250	446	2	,	,	PUNCT
easat-5250	446	3	no	no	INTJ
easat-5250	446	4	.	.	NOUN
easat-5250	446	5	4	4	NUM
easat-5250	446	6	,	,	PUNCT
easat-5250	446	7	pp	pp	ADJ
easat-5250	446	8	.	.	PUNCT
easat-5250	447	1	1517	1517	NUM
easat-5250	447	2	-	-	SYM
easat-5250	447	3	1531	1531	NUM
easat-5250	447	4	,	,	PUNCT
easat-5250	447	5	2020	2020	NUM
easat-5250	447	6	.	.	PUNCT
easat-5250	448	1	https://doi.org/10.1109/tem.2020.2993171	https://doi.org/10.1109/tem.2020.2993171	PROPN
easat-5250	448	2	[	[	X
easat-5250	448	3	2	2	NUM
easat-5250	448	4	]	]	X
easat-5250	448	5	n.	n.	PROPN
easat-5250	448	6	a.	a.	NOUN
easat-5250	448	7	windasari	windasari	PROPN
easat-5250	448	8	,	,	PUNCT
easat-5250	448	9	n.	n.	PROPN
easat-5250	448	10	kusumawati	kusumawati	PROPN
easat-5250	448	11	,	,	PUNCT
easat-5250	448	12	n.	n.	PROPN
easat-5250	448	13	larasati	larasati	PROPN
easat-5250	448	14	,	,	PUNCT
easat-5250	448	15	and	and	CCONJ
easat-5250	448	16	r.	r.	PROPN
easat-5250	448	17	p.	p.	PROPN
easat-5250	448	18	amelia	amelia	PROPN
easat-5250	448	19	,	,	PUNCT
easat-5250	448	20	"	"	PUNCT
easat-5250	448	21	digital	digital	ADJ
easat-5250	448	22	-	-	PUNCT
easat-5250	448	23	only	only	ADV
easat-5250	448	24	banking	banking	NOUN
easat-5250	448	25	experience	experience	NOUN
easat-5250	448	26	:	:	PUNCT
easat-5250	448	27	insights	insight	NOUN
easat-5250	448	28	from	from	ADP
easat-5250	448	29	gen	gen	PROPN
easat-5250	448	30	y	y	PROPN
easat-5250	448	31	and	and	CCONJ
easat-5250	448	32	gen	gen	PROPN
easat-5250	448	33	z	z	PROPN
easat-5250	448	34	,	,	PUNCT
easat-5250	448	35	"	"	PUNCT
easat-5250	448	36	journal	journal	NOUN
easat-5250	448	37	of	of	ADP
easat-5250	448	38	innovation	innovation	NOUN
easat-5250	448	39	&	&	CCONJ
easat-5250	448	40	knowledge	knowledge	PROPN
easat-5250	448	41	,	,	PUNCT
easat-5250	448	42	vol	vol	NOUN
easat-5250	448	43	.	.	PROPN
easat-5250	449	1	7	7	NUM
easat-5250	449	2	,	,	PUNCT
easat-5250	449	3	no	no	INTJ
easat-5250	449	4	.	.	NOUN
easat-5250	449	5	2	2	NUM
easat-5250	449	6	,	,	PUNCT
easat-5250	449	7	p.	p.	NOUN
easat-5250	449	8	100170	100170	NUM
easat-5250	449	9	,	,	PUNCT
easat-5250	449	10	2022	2022	NUM
easat-5250	449	11	.	.	PUNCT
easat-5250	450	1	https://doi.org/10.1016/j.jik.2022.100170	https://doi.org/10.1016/j.jik.2022.100170	PUNCT
easat-5250	451	1	[	[	X
easat-5250	451	2	3	3	X
easat-5250	451	3	]	]	PUNCT
easat-5250	451	4	world	world	PROPN
easat-5250	451	5	bank	bank	PROPN
easat-5250	451	6	,	,	PUNCT
easat-5250	451	7	world	world	NOUN
easat-5250	451	8	development	development	NOUN
easat-5250	451	9	report	report	PROPN
easat-5250	451	10	2021	2021	NUM
easat-5250	451	11	:	:	PUNCT
easat-5250	451	12	data	datum	NOUN
easat-5250	451	13	for	for	ADP
easat-5250	451	14	better	well	ADJ
easat-5250	451	15	lives	life	NOUN
easat-5250	451	16	.	.	PUNCT
easat-5250	452	1	washington	washington	PROPN
easat-5250	452	2	,	,	PUNCT
easat-5250	452	3	dc	dc	PROPN
easat-5250	452	4	:	:	PUNCT
easat-5250	452	5	world	world	PROPN
easat-5250	452	6	bank	bank	PROPN
easat-5250	452	7	,	,	PUNCT
easat-5250	452	8	2021	2021	NUM
easat-5250	452	9	.	.	PUNCT
easat-5250	453	1	[	[	X
easat-5250	453	2	4	4	NUM
easat-5250	453	3	]	]	X
easat-5250	453	4	bank	bank	PROPN
easat-5250	453	5	indonesia	indonesia	PROPN
easat-5250	453	6	,	,	PUNCT
easat-5250	453	7	monetary	monetary	ADJ
easat-5250	453	8	policy	policy	NOUN
easat-5250	453	9	review	review	NOUN
easat-5250	453	10	december	december	PROPN
easat-5250	453	11	2024	2024	NUM
easat-5250	453	12	.	.	PUNCT
easat-5250	454	1	jakarta	jakarta	PROPN
easat-5250	454	2	,	,	PUNCT
easat-5250	454	3	indonesia	indonesia	PROPN
easat-5250	454	4	:	:	PUNCT
easat-5250	454	5	bank	bank	PROPN
easat-5250	454	6	indonesia	indonesia	PROPN
easat-5250	454	7	,	,	PUNCT
easat-5250	454	8	2024	2024	NUM
easat-5250	454	9	.	.	PUNCT
easat-5250	455	1	[	[	X
easat-5250	455	2	5	5	NUM
easat-5250	455	3	]	]	X
easat-5250	455	4	i.	i.	NOUN
easat-5250	455	5	agárdi	agárdi	PROPN
easat-5250	455	6	and	and	CCONJ
easat-5250	455	7	m.	m.	NOUN
easat-5250	455	8	a.	a.	NOUN
easat-5250	455	9	alt	alt	PROPN
easat-5250	455	10	,	,	PUNCT
easat-5250	455	11	"	"	PUNCT
easat-5250	455	12	do	do	AUX
easat-5250	455	13	digital	digital	ADJ
easat-5250	455	14	natives	native	NOUN
easat-5250	455	15	use	use	VERB
easat-5250	455	16	mobile	mobile	ADJ
easat-5250	455	17	payment	payment	NOUN
easat-5250	455	18	differently	differently	ADV
easat-5250	455	19	than	than	ADP
easat-5250	455	20	digital	digital	ADJ
easat-5250	455	21	immigrants	immigrant	NOUN
easat-5250	455	22	?	?	PUNCT
easat-5250	456	1	a	a	DET
easat-5250	456	2	comparative	comparative	ADJ
easat-5250	456	3	study	study	NOUN
easat-5250	456	4	between	between	ADP
easat-5250	456	5	generation	generation	NOUN
easat-5250	456	6	x	x	X
easat-5250	456	7	and	and	CCONJ
easat-5250	456	8	z	z	NOUN
easat-5250	456	9	,	,	PUNCT
easat-5250	456	10	"	"	PUNCT
easat-5250	456	11	electronic	electronic	ADJ
easat-5250	456	12	commerce	commerce	NOUN
easat-5250	456	13	research	research	NOUN
easat-5250	456	14	,	,	PUNCT
easat-5250	456	15	vol	vol	NOUN
easat-5250	456	16	.	.	PROPN
easat-5250	456	17	24	24	NUM
easat-5250	456	18	,	,	PUNCT
easat-5250	456	19	no	no	INTJ
easat-5250	456	20	.	.	NOUN
easat-5250	456	21	3	3	NUM
easat-5250	456	22	,	,	PUNCT
easat-5250	456	23	pp	pp	ADJ
easat-5250	456	24	.	.	PUNCT
easat-5250	457	1	1463	1463	NUM
easat-5250	457	2	-	-	SYM
easat-5250	457	3	1490	1490	NUM
easat-5250	457	4	,	,	PUNCT
easat-5250	457	5	2024	2024	NUM
easat-5250	457	6	.	.	PUNCT
easat-5250	458	1	https://doi.org/10.1007/s10660-022-09537-9	https://doi.org/10.1007/s10660-022-09537-9	NOUN
easat-5250	459	1	[	[	X
easat-5250	459	2	6	6	NUM
easat-5250	459	3	]	]	PUNCT
easat-5250	459	4	s.	s.	PROPN
easat-5250	459	5	ahmed	ahmed	PROPN
easat-5250	459	6	and	and	CCONJ
easat-5250	459	7	s.	s.	PROPN
easat-5250	459	8	sur	sur	PROPN
easat-5250	459	9	,	,	PUNCT
easat-5250	459	10	"	"	PUNCT
easat-5250	459	11	change	change	NOUN
easat-5250	459	12	in	in	ADP
easat-5250	459	13	the	the	DET
easat-5250	459	14	uses	use	NOUN
easat-5250	459	15	pattern	pattern	NOUN
easat-5250	459	16	of	of	ADP
easat-5250	459	17	digital	digital	ADJ
easat-5250	459	18	banking	banking	NOUN
easat-5250	459	19	services	service	NOUN
easat-5250	459	20	by	by	ADP
easat-5250	459	21	indian	indian	ADJ
easat-5250	459	22	rural	rural	ADJ
easat-5250	459	23	msmes	msme	NOUN
easat-5250	459	24	during	during	ADP
easat-5250	459	25	demonetization	demonetization	NOUN
easat-5250	459	26	and	and	CCONJ
easat-5250	459	27	covid-19	covid-19	PROPN
easat-5250	459	28	pandemic	pandemic	ADJ
easat-5250	459	29	-	-	PUNCT
easat-5250	459	30	related	relate	VERB
easat-5250	459	31	restrictions	restriction	NOUN
easat-5250	459	32	,	,	PUNCT
easat-5250	459	33	"	"	PUNCT
easat-5250	459	34	vilakshan	vilakshan	PROPN
easat-5250	459	35	-	-	PUNCT
easat-5250	459	36	ximb	ximb	PROPN
easat-5250	459	37	journal	journal	PROPN
easat-5250	459	38	of	of	ADP
easat-5250	459	39	management	management	NOUN
easat-5250	459	40	,	,	PUNCT
easat-5250	459	41	vol	vol	NOUN
easat-5250	459	42	.	.	PROPN
easat-5250	459	43	20	20	NUM
easat-5250	459	44	,	,	PUNCT
easat-5250	459	45	no	no	INTJ
easat-5250	459	46	.	.	NOUN
easat-5250	459	47	1	1	NUM
easat-5250	459	48	,	,	PUNCT
easat-5250	459	49	pp	pp	ADJ
easat-5250	459	50	.	.	PUNCT
easat-5250	460	1	166	166	NUM
easat-5250	460	2	-	-	SYM
easat-5250	460	3	192	192	NUM
easat-5250	460	4	,	,	PUNCT
easat-5250	460	5	2023	2023	NUM
easat-5250	460	6	.	.	PUNCT
easat-5250	461	1	https://doi.org/10.1108/xjm-09-2020-0138	https://doi.org/10.1108/xjm-09-2020-0138	PROPN
easat-5250	462	1	[	[	X
easat-5250	462	2	7	7	X
easat-5250	462	3	]	]	PUNCT
easat-5250	462	4	p.	p.	NOUN
easat-5250	462	5	yadav	yadav	PROPN
easat-5250	462	6	and	and	CCONJ
easat-5250	462	7	a.	a.	NOUN
easat-5250	462	8	prakash	prakash	PROPN
easat-5250	462	9	,	,	PUNCT
easat-5250	462	10	"	"	PUNCT
easat-5250	462	11	understanding	understand	VERB
easat-5250	462	12	customer	customer	NOUN
easat-5250	462	13	perceptions	perception	NOUN
easat-5250	462	14	in	in	ADP
easat-5250	462	15	digital	digital	ADJ
easat-5250	462	16	banking	banking	NOUN
easat-5250	462	17	:	:	PUNCT
easat-5250	462	18	a	a	DET
easat-5250	462	19	comprehensive	comprehensive	ADJ
easat-5250	462	20	review	review	NOUN
easat-5250	462	21	educational	educational	ADJ
easat-5250	462	22	administration	administration	NOUN
easat-5250	462	23	,	,	PUNCT
easat-5250	462	24	"	"	PUNCT
easat-5250	462	25	theory	theory	NOUN
easat-5250	462	26	and	and	CCONJ
easat-5250	462	27	practice	practice	NOUN
easat-5250	462	28	,	,	PUNCT
easat-5250	462	29	vol	vol	NOUN
easat-5250	462	30	.	.	PROPN
easat-5250	462	31	2024	2024	NUM
easat-5250	462	32	,	,	PUNCT
easat-5250	462	33	no	no	INTJ
easat-5250	462	34	.	.	NOUN
easat-5250	462	35	1	1	NUM
easat-5250	462	36	,	,	PUNCT
easat-5250	462	37	pp	pp	ADJ
easat-5250	462	38	.	.	PUNCT
easat-5250	462	39	3923–3930	3923–3930	NUM
easat-5250	462	40	,	,	PUNCT
easat-5250	462	41	2024	2024	NUM
easat-5250	462	42	.	.	PUNCT
easat-5250	463	1	https://doi.org/10.53555/kuey.v30i1.6344	https://doi.org/10.53555/kuey.v30i1.6344	X
easat-5250	464	1	[	[	X
easat-5250	464	2	8	8	NUM
easat-5250	464	3	]	]	SYM
easat-5250	464	4	populix	populix	ADJ
easat-5250	464	5	,	,	PUNCT
easat-5250	464	6	ecosystem	ecosystem	NOUN
easat-5250	464	7	analysis	analysis	NOUN
easat-5250	464	8	and	and	CCONJ
easat-5250	464	9	perception	perception	NOUN
easat-5250	464	10	study	study	NOUN
easat-5250	464	11	of	of	ADP
easat-5250	464	12	digital	digital	ADJ
easat-5250	464	13	banks	bank	NOUN
easat-5250	464	14	in	in	ADP
easat-5250	464	15	indonesia	indonesia	PROPN
easat-5250	464	16	.	.	PUNCT
easat-5250	465	1	jakarta	jakarta	PROPN
easat-5250	465	2	,	,	PUNCT
easat-5250	465	3	indonesia	indonesia	PROPN
easat-5250	465	4	:	:	PUNCT
easat-5250	465	5	populix	populix	ADJ
easat-5250	465	6	research	research	NOUN
easat-5250	465	7	,	,	PUNCT
easat-5250	465	8	2024	2024	NUM
easat-5250	465	9	.	.	PUNCT
easat-5250	466	1	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-5250	466	2	https://doi.org/10.1109/tem.2020.2993171	https://doi.org/10.1109/tem.2020.2993171	VERB
easat-5250	466	3	https://doi.org/10.1016/j.jik.2022.100170	https://doi.org/10.1016/j.jik.2022.100170	PROPN
easat-5250	466	4	https://doi.org/10.1007/s10660-022-09537-9	https://doi.org/10.1007/s10660-022-09537-9	PROPN
easat-5250	466	5	https://doi.org/10.1108/xjm-09-2020-0138	https://doi.org/10.1108/xjm-09-2020-0138	PROPN
easat-5250	466	6	https://doi.org/10.53555/kuey.v30i1.6344	https://doi.org/10.53555/kuey.v30i1.6344	PROPN
easat-5250	466	7	508	508	NUM
easat-5250	466	8	edelweiss	edelweiss	PROPN
easat-5250	466	9	applied	apply	VERB
easat-5250	466	10	science	science	NOUN
easat-5250	466	11	and	and	CCONJ
easat-5250	466	12	technology	technology	NOUN
easat-5250	466	13	issn	issn	PROPN
easat-5250	466	14	:	:	PUNCT
easat-5250	466	15	2576	2576	NUM
easat-5250	466	16	-	-	SYM
easat-5250	466	17	8484	8484	NUM
easat-5250	466	18	vol	vol	NOUN
easat-5250	466	19	.	.	PROPN
easat-5250	467	1	9	9	NUM
easat-5250	467	2	,	,	PUNCT
easat-5250	467	3	no	no	INTJ
easat-5250	467	4	.	.	NOUN
easat-5250	468	1	3	3	NUM
easat-5250	468	2	:	:	PUNCT
easat-5250	468	3	489	489	NUM
easat-5250	468	4	-	-	SYM
easat-5250	468	5	510	510	NUM
easat-5250	468	6	,	,	PUNCT
easat-5250	468	7	2025	2025	NUM
easat-5250	468	8	doi	doi	NOUN
easat-5250	468	9	:	:	PUNCT
easat-5250	468	10	10.55214/25768484.v9i3.5250	10.55214/25768484.v9i3.5250	NUM
easat-5250	468	11	©	©	PROPN
easat-5250	468	12	2025	2025	NUM
easat-5250	468	13	by	by	ADP
easat-5250	468	14	the	the	DET
easat-5250	468	15	authors	author	NOUN
easat-5250	468	16	;	;	PUNCT
easat-5250	468	17	licensee	licensee	PROPN
easat-5250	468	18	learning	learning	NOUN
easat-5250	468	19	gate	gate	NOUN
easat-5250	469	1	[	[	X
easat-5250	469	2	9	9	NUM
easat-5250	469	3	]	]	SYM
easat-5250	469	4	a.	a.	PROPN
easat-5250	469	5	f.	f.	PROPN
easat-5250	469	6	flores	flores	PROPN
easat-5250	469	7	,	,	PUNCT
easat-5250	469	8	e.	e.	PROPN
easat-5250	469	9	s.	s.	PROPN
easat-5250	469	10	saldanha	saldanha	PROPN
easat-5250	469	11	,	,	PUNCT
easat-5250	469	12	and	and	CCONJ
easat-5250	469	13	m.	m.	PROPN
easat-5250	469	14	vong	vong	PROPN
easat-5250	469	15	,	,	PUNCT
easat-5250	469	16	"	"	PUNCT
easat-5250	469	17	the	the	DET
easat-5250	469	18	mediation	mediation	NOUN
easat-5250	469	19	effect	effect	NOUN
easat-5250	469	20	of	of	ADP
easat-5250	469	21	customer	customer	NOUN
easat-5250	469	22	satisfaction	satisfaction	NOUN
easat-5250	469	23	on	on	ADP
easat-5250	469	24	the	the	DET
easat-5250	469	25	relationship	relationship	NOUN
easat-5250	469	26	between	between	ADP
easat-5250	469	27	service	service	NOUN
easat-5250	469	28	quality	quality	NOUN
easat-5250	469	29	and	and	CCONJ
easat-5250	469	30	customer	customer	NOUN
easat-5250	469	31	loyalty	loyalty	NOUN
easat-5250	469	32	,	,	PUNCT
easat-5250	469	33	"	"	PUNCT
easat-5250	469	34	timor	timor	PROPN
easat-5250	469	35	leste	leste	PROPN
easat-5250	469	36	journal	journal	PROPN
easat-5250	469	37	of	of	ADP
easat-5250	469	38	business	business	NOUN
easat-5250	469	39	and	and	CCONJ
easat-5250	469	40	management	management	NOUN
easat-5250	469	41	,	,	PUNCT
easat-5250	469	42	vol	vol	NOUN
easat-5250	469	43	.	.	PROPN
easat-5250	469	44	2	2	NUM
easat-5250	469	45	,	,	PUNCT
easat-5250	469	46	pp	pp	ADJ
easat-5250	469	47	.	.	PUNCT
easat-5250	470	1	56	56	NUM
easat-5250	470	2	-	-	SYM
easat-5250	470	3	65	65	NUM
easat-5250	470	4	,	,	PUNCT
easat-5250	470	5	2020	2020	NUM
easat-5250	470	6	.	.	PUNCT
easat-5250	471	1	https://doi.org/10.51703/bm.v2i2.22	https://doi.org/10.51703/bm.v2i2.22	NOUN
easat-5250	471	2	[	[	X
easat-5250	471	3	10	10	NUM
easat-5250	471	4	]	]	PUNCT
easat-5250	471	5	m.	m.	NOUN
easat-5250	471	6	butt	butt	PROPN
easat-5250	471	7	,	,	PUNCT
easat-5250	471	8	s.	s.	PROPN
easat-5250	471	9	r.	r.	PROPN
easat-5250	471	10	muhammad	muhammad	PROPN
easat-5250	471	11	,	,	PUNCT
easat-5250	471	12	f.	f.	PROPN
easat-5250	471	13	qureshi	qureshi	PROPN
easat-5250	471	14	,	,	PUNCT
easat-5250	471	15	and	and	CCONJ
easat-5250	471	16	g.	g.	PROPN
easat-5250	471	17	abbas	abbas	PROPN
easat-5250	471	18	,	,	PUNCT
easat-5250	471	19	"	"	PUNCT
easat-5250	471	20	e	e	NOUN
easat-5250	471	21	-	-	ADJ
easat-5250	471	22	banking	banking	ADJ
easat-5250	471	23	system	system	NOUN
easat-5250	471	24	in	in	ADP
easat-5250	471	25	pakistan	pakistan	PROPN
easat-5250	471	26	and	and	CCONJ
easat-5250	471	27	its	its	PRON
easat-5250	471	28	impact	impact	NOUN
easat-5250	471	29	on	on	ADP
easat-5250	471	30	customers	customer	NOUN
easat-5250	471	31	satisfaction	satisfaction	NOUN
easat-5250	471	32	:	:	PUNCT
easat-5250	471	33	a	a	DET
easat-5250	471	34	case	case	NOUN
easat-5250	471	35	study	study	NOUN
easat-5250	471	36	of	of	ADP
easat-5250	471	37	full	full	ADJ
easat-5250	471	38	-	-	PUNCT
easat-5250	471	39	fledged	fledged	ADJ
easat-5250	471	40	islamic	islamic	ADJ
easat-5250	471	41	banks	bank	NOUN
easat-5250	471	42	,	,	PUNCT
easat-5250	471	43	"	"	PUNCT
easat-5250	471	44	comsats	comsats	PROPN
easat-5250	471	45	journal	journal	NOUN
easat-5250	471	46	of	of	ADP
easat-5250	471	47	islamic	islamic	PROPN
easat-5250	471	48	finance	finance	PROPN
easat-5250	471	49	,	,	PUNCT
easat-5250	471	50	vol	vol	NOUN
easat-5250	471	51	.	.	PROPN
easat-5250	472	1	3	3	NUM
easat-5250	472	2	,	,	PUNCT
easat-5250	472	3	no	no	INTJ
easat-5250	472	4	.	.	NOUN
easat-5250	472	5	2	2	NUM
easat-5250	472	6	,	,	PUNCT
easat-5250	472	7	pp	pp	ADJ
easat-5250	472	8	.	.	PUNCT
easat-5250	473	1	63–87	63–87	NUM
easat-5250	473	2	,	,	PUNCT
easat-5250	473	3	2018	2018	NUM
easat-5250	473	4	.	.	PUNCT
easat-5250	474	1	https://doi.org/10.26652/cjif.3201824	https://doi.org/10.26652/cjif.3201824	PROPN
easat-5250	475	1	[	[	X
easat-5250	475	2	11	11	NUM
easat-5250	475	3	]	]	X
easat-5250	475	4	v.	v.	ADP
easat-5250	475	5	a.	a.	PROPN
easat-5250	475	6	zeithaml	zeithaml	PROPN
easat-5250	475	7	,	,	PUNCT
easat-5250	475	8	a.	a.	NOUN
easat-5250	475	9	parasuraman	parasuraman	NOUN
easat-5250	475	10	,	,	PUNCT
easat-5250	475	11	and	and	CCONJ
easat-5250	475	12	a.	a.	PROPN
easat-5250	475	13	malhotra	malhotra	PROPN
easat-5250	475	14	,	,	PUNCT
easat-5250	475	15	"	"	PUNCT
easat-5250	475	16	service	service	NOUN
easat-5250	475	17	quality	quality	NOUN
easat-5250	475	18	delivery	delivery	NOUN
easat-5250	475	19	through	through	ADP
easat-5250	475	20	web	web	NOUN
easat-5250	475	21	sites	site	NOUN
easat-5250	475	22	:	:	PUNCT
easat-5250	475	23	a	a	DET
easat-5250	475	24	critical	critical	ADJ
easat-5250	475	25	review	review	NOUN
easat-5250	475	26	of	of	ADP
easat-5250	475	27	extant	extant	ADJ
easat-5250	475	28	knowledge	knowledge	NOUN
easat-5250	475	29	,	,	PUNCT
easat-5250	475	30	"	"	PUNCT
easat-5250	475	31	journal	journal	NOUN
easat-5250	475	32	of	of	ADP
easat-5250	475	33	the	the	DET
easat-5250	475	34	academy	academy	NOUN
easat-5250	475	35	of	of	ADP
easat-5250	475	36	marketing	marketing	NOUN
easat-5250	475	37	science	science	NOUN
easat-5250	475	38	,	,	PUNCT
easat-5250	475	39	vol	vol	NOUN
easat-5250	475	40	.	.	PROPN
easat-5250	475	41	30	30	NUM
easat-5250	475	42	,	,	PUNCT
easat-5250	475	43	no	no	INTJ
easat-5250	475	44	.	.	NOUN
easat-5250	475	45	4	4	NUM
easat-5250	475	46	,	,	PUNCT
easat-5250	475	47	pp	pp	ADJ
easat-5250	475	48	.	.	PUNCT
easat-5250	475	49	362	362	NUM
easat-5250	475	50	-	-	SYM
easat-5250	475	51	375	375	NUM
easat-5250	475	52	,	,	PUNCT
easat-5250	475	53	2002	2002	NUM
easat-5250	475	54	.	.	PUNCT
easat-5250	476	1	https://doi.org/10.1177/009207002236911	https://doi.org/10.1177/009207002236911	X
easat-5250	477	1	[	[	X
easat-5250	477	2	12	12	NUM
easat-5250	477	3	]	]	PUNCT
easat-5250	477	4	z.	z.	PROPN
easat-5250	477	5	yaseen	yaseen	PROPN
easat-5250	477	6	and	and	CCONJ
easat-5250	477	7	s.	s.	PROPN
easat-5250	477	8	kamran	kamran	PROPN
easat-5250	477	9	,	,	PUNCT
easat-5250	477	10	"	"	PUNCT
easat-5250	477	11	exploring	explore	VERB
easat-5250	477	12	the	the	DET
easat-5250	477	13	impediments	impediment	NOUN
easat-5250	477	14	faced	face	VERB
easat-5250	477	15	by	by	ADP
easat-5250	477	16	the	the	DET
easat-5250	477	17	banking	banking	NOUN
easat-5250	477	18	customers	customer	NOUN
easat-5250	477	19	to	to	PART
easat-5250	477	20	adopt	adopt	VERB
easat-5250	477	21	islamic	islamic	ADJ
easat-5250	477	22	banking	banking	NOUN
easat-5250	477	23	services	service	NOUN
easat-5250	477	24	in	in	ADP
easat-5250	477	25	pakistan	pakistan	PROPN
easat-5250	477	26	,	,	PUNCT
easat-5250	477	27	"	"	PUNCT
easat-5250	477	28	journal	journal	NOUN
easat-5250	477	29	of	of	ADP
easat-5250	477	30	islamic	islamic	ADJ
easat-5250	477	31	business	business	NOUN
easat-5250	477	32	and	and	CCONJ
easat-5250	477	33	management	management	NOUN
easat-5250	477	34	,	,	PUNCT
easat-5250	477	35	vol	vol	NOUN
easat-5250	477	36	.	.	PROPN
easat-5250	477	37	9	9	NUM
easat-5250	477	38	,	,	PUNCT
easat-5250	477	39	no	no	INTJ
easat-5250	477	40	.	.	NOUN
easat-5250	477	41	1	1	NUM
easat-5250	477	42	,	,	PUNCT
easat-5250	477	43	pp	pp	ADJ
easat-5250	477	44	.	.	PUNCT
easat-5250	478	1	25	25	NUM
easat-5250	478	2	-	-	SYM
easat-5250	478	3	41	41	NUM
easat-5250	478	4	,	,	PUNCT
easat-5250	478	5	2019	2019	NUM
easat-5250	478	6	.	.	PUNCT
easat-5250	479	1	[	[	X
easat-5250	479	2	13	13	NUM
easat-5250	479	3	]	]	PUNCT
easat-5250	479	4	a.	a.	NOUN
easat-5250	479	5	g.	g.	PROPN
easat-5250	479	6	khan	khan	PROPN
easat-5250	479	7	,	,	PUNCT
easat-5250	479	8	r.	r.	PROPN
easat-5250	479	9	p.	p.	PROPN
easat-5250	479	10	lima	lima	PROPN
easat-5250	479	11	,	,	PUNCT
easat-5250	479	12	and	and	CCONJ
easat-5250	479	13	m.	m.	PROPN
easat-5250	479	14	s.	s.	PROPN
easat-5250	479	15	mahmud	mahmud	PROPN
easat-5250	479	16	,	,	PUNCT
easat-5250	479	17	"	"	PUNCT
easat-5250	479	18	understanding	understand	VERB
easat-5250	479	19	the	the	DET
easat-5250	479	20	service	service	NOUN
easat-5250	479	21	quality	quality	NOUN
easat-5250	479	22	and	and	CCONJ
easat-5250	479	23	customer	customer	NOUN
easat-5250	479	24	satisfaction	satisfaction	NOUN
easat-5250	479	25	of	of	ADP
easat-5250	479	26	mobile	mobile	ADJ
easat-5250	479	27	banking	banking	NOUN
easat-5250	479	28	in	in	ADP
easat-5250	479	29	bangladesh	bangladesh	PROPN
easat-5250	479	30	:	:	PUNCT
easat-5250	479	31	using	use	VERB
easat-5250	479	32	a	a	DET
easat-5250	479	33	structural	structural	ADJ
easat-5250	479	34	equation	equation	NOUN
easat-5250	479	35	model	model	NOUN
easat-5250	479	36	,	,	PUNCT
easat-5250	479	37	"	"	PUNCT
easat-5250	479	38	global	global	ADJ
easat-5250	479	39	business	business	NOUN
easat-5250	479	40	review	review	PROPN
easat-5250	479	41	,	,	PUNCT
easat-5250	479	42	vol	vol	NOUN
easat-5250	479	43	.	.	PROPN
easat-5250	479	44	22	22	NUM
easat-5250	479	45	,	,	PUNCT
easat-5250	479	46	no	no	INTJ
easat-5250	479	47	.	.	NOUN
easat-5250	479	48	1	1	NUM
easat-5250	479	49	,	,	PUNCT
easat-5250	479	50	pp	pp	ADJ
easat-5250	479	51	.	.	PUNCT
easat-5250	479	52	85	85	NUM
easat-5250	479	53	-	-	SYM
easat-5250	479	54	100	100	NUM
easat-5250	479	55	,	,	PUNCT
easat-5250	479	56	2021	2021	NUM
easat-5250	479	57	.	.	PUNCT
easat-5250	479	58	https://doi.org/10.1177/0972150918795551	https://doi.org/10.1177/0972150918795551	X
easat-5250	480	1	[	[	X
easat-5250	480	2	14	14	NUM
easat-5250	480	3	]	]	X
easat-5250	480	4	b.	b.	PROPN
easat-5250	480	5	kaur	kaur	PROPN
easat-5250	480	6	,	,	PUNCT
easat-5250	480	7	s.	s.	PROPN
easat-5250	480	8	kiran	kiran	PROPN
easat-5250	480	9	,	,	PUNCT
easat-5250	480	10	s.	s.	PROPN
easat-5250	480	11	grima	grima	PROPN
easat-5250	480	12	,	,	PUNCT
easat-5250	480	13	and	and	CCONJ
easat-5250	480	14	r.	r.	PROPN
easat-5250	480	15	rupeika	rupeika	PROPN
easat-5250	480	16	-	-	PUNCT
easat-5250	480	17	apoga	apoga	NOUN
easat-5250	480	18	,	,	PUNCT
easat-5250	480	19	"	"	PUNCT
easat-5250	480	20	digital	digital	ADJ
easat-5250	480	21	banking	banking	NOUN
easat-5250	480	22	in	in	ADP
easat-5250	480	23	northern	northern	ADJ
easat-5250	480	24	india	india	PROPN
easat-5250	480	25	:	:	PUNCT
easat-5250	480	26	the	the	DET
easat-5250	480	27	risks	risk	NOUN
easat-5250	480	28	on	on	ADP
easat-5250	480	29	customer	customer	NOUN
easat-5250	480	30	satisfaction	satisfaction	NOUN
easat-5250	480	31	,	,	PUNCT
easat-5250	480	32	"	"	PUNCT
easat-5250	480	33	risks	risk	NOUN
easat-5250	480	34	,	,	PUNCT
easat-5250	480	35	vol	vol	NOUN
easat-5250	480	36	.	.	NOUN
easat-5250	480	37	9	9	NUM
easat-5250	480	38	,	,	PUNCT
easat-5250	480	39	no	no	INTJ
easat-5250	480	40	.	.	NOUN
easat-5250	480	41	11	11	NUM
easat-5250	480	42	,	,	PUNCT
easat-5250	480	43	p.	p.	NOUN
easat-5250	480	44	209	209	NUM
easat-5250	480	45	,	,	PUNCT
easat-5250	480	46	2021	2021	NUM
easat-5250	480	47	.	.	PUNCT
easat-5250	481	1	https://doi.org/10.3390/risks9110209	https://doi.org/10.3390/risks9110209	NOUN
easat-5250	482	1	[	[	X
easat-5250	482	2	15	15	NUM
easat-5250	482	3	]	]	X
easat-5250	482	4	s.	s.	PROPN
easat-5250	482	5	sedkaoui	sedkaoui	PROPN
easat-5250	482	6	,	,	PUNCT
easat-5250	482	7	"	"	PUNCT
easat-5250	482	8	analyzing	analyze	VERB
easat-5250	482	9	the	the	DET
easat-5250	482	10	relationship	relationship	NOUN
easat-5250	482	11	between	between	ADP
easat-5250	482	12	servqual	servqual	ADJ
easat-5250	482	13	model	model	NOUN
easat-5250	482	14	,	,	PUNCT
easat-5250	482	15	customer	customer	NOUN
easat-5250	482	16	satisfaction	satisfaction	NOUN
easat-5250	482	17	,	,	PUNCT
easat-5250	482	18	and	and	CCONJ
easat-5250	482	19	loyalty	loyalty	NOUN
easat-5250	482	20	in	in	ADP
easat-5250	482	21	algerian	algerian	ADJ
easat-5250	482	22	banking	banking	NOUN
easat-5250	482	23	sector	sector	NOUN
easat-5250	482	24	using	use	VERB
easat-5250	482	25	pls	pls	NOUN
easat-5250	482	26	-	-	PUNCT
easat-5250	482	27	sem	sem	NOUN
easat-5250	482	28	,	,	PUNCT
easat-5250	482	29	"	"	PUNCT
easat-5250	482	30	international	international	ADJ
easat-5250	482	31	journal	journal	NOUN
easat-5250	482	32	for	for	ADP
easat-5250	482	33	quality	quality	NOUN
easat-5250	482	34	research	research	NOUN
easat-5250	482	35	,	,	PUNCT
easat-5250	482	36	vol	vol	NOUN
easat-5250	482	37	.	.	PROPN
easat-5250	482	38	18	18	NUM
easat-5250	482	39	,	,	PUNCT
easat-5250	482	40	no	no	INTJ
easat-5250	482	41	.	.	NOUN
easat-5250	482	42	2	2	NUM
easat-5250	482	43	,	,	PUNCT
easat-5250	482	44	pp	pp	ADJ
easat-5250	482	45	.	.	PUNCT
easat-5250	483	1	627–642	627–642	NUM
easat-5250	483	2	,	,	PUNCT
easat-5250	483	3	2024	2024	NUM
easat-5250	483	4	.	.	PUNCT
easat-5250	483	5	https://doi.org/10.24874/ijqr18.02-20	https://doi.org/10.24874/ijqr18.02-20	PROPN
easat-5250	484	1	[	[	X
easat-5250	484	2	16	16	NUM
easat-5250	484	3	]	]	X
easat-5250	484	4	f.	f.	PROPN
easat-5250	484	5	al	al	PROPN
easat-5250	484	6	qaisi	qaisi	PROPN
easat-5250	484	7	and	and	CCONJ
easat-5250	484	8	m.	m.	NOUN
easat-5250	484	9	alrosan	alrosan	ADJ
easat-5250	484	10	,	,	PUNCT
easat-5250	484	11	"	"	PUNCT
easat-5250	484	12	measuring	measure	VERB
easat-5250	484	13	customers	customer	NOUN
easat-5250	484	14	satisfaction	satisfaction	NOUN
easat-5250	484	15	of	of	ADP
easat-5250	484	16	islamic	islamic	ADJ
easat-5250	484	17	banking	banking	NOUN
easat-5250	484	18	sector	sector	NOUN
easat-5250	484	19	in	in	ADP
easat-5250	484	20	jordan	jordan	PROPN
easat-5250	484	21	,	,	PUNCT
easat-5250	484	22	"	"	PUNCT
easat-5250	484	23	humanities	humanity	NOUN
easat-5250	484	24	and	and	CCONJ
easat-5250	484	25	social	social	ADJ
easat-5250	484	26	sciences	science	NOUN
easat-5250	484	27	letters	letter	NOUN
easat-5250	484	28	,	,	PUNCT
easat-5250	484	29	vol	vol	NOUN
easat-5250	484	30	.	.	PROPN
easat-5250	484	31	8	8	NUM
easat-5250	484	32	,	,	PUNCT
easat-5250	484	33	no	no	INTJ
easat-5250	484	34	.	.	NOUN
easat-5250	484	35	3	3	NUM
easat-5250	484	36	,	,	PUNCT
easat-5250	484	37	pp	pp	ADJ
easat-5250	484	38	.	.	PUNCT
easat-5250	485	1	310	310	NUM
easat-5250	485	2	-	-	SYM
easat-5250	485	3	322	322	NUM
easat-5250	485	4	,	,	PUNCT
easat-5250	485	5	2020	2020	NUM
easat-5250	485	6	.	.	PUNCT
easat-5250	486	1	https://doi.org/10.18488/journal.73.2020.83.310.322	https://doi.org/10.18488/journal.73.2020.83.310.322	PROPN
easat-5250	487	1	[	[	X
easat-5250	487	2	17	17	NUM
easat-5250	487	3	]	]	PUNCT
easat-5250	487	4	a.	a.	NOUN
easat-5250	487	5	parasuraman	parasuraman	NOUN
easat-5250	487	6	,	,	PUNCT
easat-5250	487	7	v.	v.	ADP
easat-5250	487	8	a.	a.	PROPN
easat-5250	487	9	zeithaml	zeithaml	PROPN
easat-5250	487	10	,	,	PUNCT
easat-5250	487	11	and	and	CCONJ
easat-5250	487	12	a.	a.	PROPN
easat-5250	487	13	malhotra	malhotra	PROPN
easat-5250	487	14	,	,	PUNCT
easat-5250	487	15	"	"	PUNCT
easat-5250	487	16	es	es	ADJ
easat-5250	487	17	-	-	PUNCT
easat-5250	487	18	qual	qual	NOUN
easat-5250	487	19	:	:	PUNCT
easat-5250	487	20	a	a	DET
easat-5250	487	21	multiple	multiple	ADJ
easat-5250	487	22	-	-	PUNCT
easat-5250	487	23	item	item	NOUN
easat-5250	487	24	scale	scale	NOUN
easat-5250	487	25	for	for	ADP
easat-5250	487	26	assessing	assess	VERB
easat-5250	487	27	electronic	electronic	ADJ
easat-5250	487	28	service	service	NOUN
easat-5250	487	29	quality	quality	NOUN
easat-5250	487	30	,	,	PUNCT
easat-5250	487	31	"	"	PUNCT
easat-5250	487	32	journal	journal	NOUN
easat-5250	487	33	of	of	ADP
easat-5250	487	34	service	service	NOUN
easat-5250	487	35	research	research	NOUN
easat-5250	487	36	,	,	PUNCT
easat-5250	487	37	vol	vol	NOUN
easat-5250	487	38	.	.	PROPN
easat-5250	487	39	7	7	NUM
easat-5250	487	40	,	,	PUNCT
easat-5250	487	41	no	no	INTJ
easat-5250	487	42	.	.	NOUN
easat-5250	487	43	3	3	NUM
easat-5250	487	44	,	,	PUNCT
easat-5250	487	45	pp	pp	ADJ
easat-5250	487	46	.	.	PUNCT
easat-5250	488	1	213	213	NUM
easat-5250	488	2	-	-	SYM
easat-5250	488	3	233	233	NUM
easat-5250	488	4	,	,	PUNCT
easat-5250	488	5	2005	2005	NUM
easat-5250	488	6	.	.	PUNCT
easat-5250	489	1	https://doi.org/10.1177/1094670504271156	https://doi.org/10.1177/1094670504271156	X
easat-5250	490	1	[	[	X
easat-5250	490	2	18	18	NUM
easat-5250	490	3	]	]	X
easat-5250	490	4	e.	e.	PROPN
easat-5250	490	5	s.	s.	PROPN
easat-5250	490	6	bankuoru	bankuoru	PROPN
easat-5250	490	7	,	,	PUNCT
easat-5250	490	8	d.	d.	PROPN
easat-5250	490	9	boateng	boateng	PROPN
easat-5250	490	10	,	,	PUNCT
easat-5250	490	11	and	and	CCONJ
easat-5250	490	12	s.	s.	PROPN
easat-5250	490	13	aboagye	aboagye	PROPN
easat-5250	490	14	mensah	mensah	PROPN
easat-5250	490	15	,	,	PUNCT
easat-5250	490	16	"	"	PUNCT
easat-5250	490	17	to	to	PART
easat-5250	490	18	leave	leave	VERB
easat-5250	490	19	or	or	CCONJ
easat-5250	490	20	retain	retain	VERB
easat-5250	490	21	?	?	PUNCT
easat-5250	491	1	an	an	DET
easat-5250	491	2	interplay	interplay	NOUN
easat-5250	491	3	between	between	ADP
easat-5250	491	4	quality	quality	NOUN
easat-5250	491	5	digital	digital	ADJ
easat-5250	491	6	banking	banking	NOUN
easat-5250	491	7	services	service	NOUN
easat-5250	491	8	and	and	CCONJ
easat-5250	491	9	customer	customer	NOUN
easat-5250	491	10	satisfaction	satisfaction	NOUN
easat-5250	491	11	,	,	PUNCT
easat-5250	491	12	"	"	PUNCT
easat-5250	491	13	international	international	ADJ
easat-5250	491	14	journal	journal	NOUN
easat-5250	491	15	of	of	ADP
easat-5250	491	16	bank	bank	PROPN
easat-5250	491	17	marketing	marketing	NOUN
easat-5250	491	18	,	,	PUNCT
easat-5250	491	19	vol	vol	NOUN
easat-5250	491	20	.	.	PROPN
easat-5250	491	21	39	39	NUM
easat-5250	491	22	,	,	PUNCT
easat-5250	491	23	no	no	INTJ
easat-5250	491	24	.	.	NOUN
easat-5250	491	25	7	7	NUM
easat-5250	491	26	,	,	PUNCT
easat-5250	491	27	pp	pp	ADJ
easat-5250	491	28	.	.	PUNCT
easat-5250	491	29	1420	1420	NUM
easat-5250	491	30	-	-	SYM
easat-5250	491	31	1445	1445	NUM
easat-5250	491	32	,	,	PUNCT
easat-5250	491	33	2021	2021	NUM
easat-5250	491	34	.	.	PUNCT
easat-5250	492	1	https://doi.org/10.1108/ijbm-02-2021-0072	https://doi.org/10.1108/ijbm-02-2021-0072	PROPN
easat-5250	492	2	[	[	X
easat-5250	492	3	19	19	NUM
easat-5250	492	4	]	]	X
easat-5250	492	5	y.	y.	PROPN
easat-5250	492	6	ramli	ramli	PROPN
easat-5250	492	7	,	,	PUNCT
easat-5250	492	8	y.	y.	PROPN
easat-5250	492	9	harwani	harwani	PROPN
easat-5250	492	10	,	,	PUNCT
easat-5250	492	11	m.	m.	NOUN
easat-5250	492	12	soelton	soelton	NOUN
easat-5250	492	13	,	,	PUNCT
easat-5250	492	14	s.	s.	PROPN
easat-5250	492	15	hariani	hariani	PROPN
easat-5250	492	16	,	,	PUNCT
easat-5250	492	17	f.	f.	PROPN
easat-5250	492	18	usman	usman	PROPN
easat-5250	492	19	,	,	PUNCT
easat-5250	492	20	and	and	CCONJ
easat-5250	492	21	f.	f.	PROPN
easat-5250	492	22	rohman	rohman	PROPN
easat-5250	492	23	,	,	PUNCT
easat-5250	492	24	"	"	PUNCT
easat-5250	492	25	the	the	DET
easat-5250	492	26	implication	implication	NOUN
easat-5250	492	27	of	of	ADP
easat-5250	492	28	trust	trust	NOUN
easat-5250	492	29	that	that	PRON
easat-5250	492	30	influences	influence	VERB
easat-5250	492	31	customers	customer	NOUN
easat-5250	492	32	'	'	PART
easat-5250	492	33	intention	intention	NOUN
easat-5250	492	34	to	to	PART
easat-5250	492	35	use	use	VERB
easat-5250	492	36	mobile	mobile	ADJ
easat-5250	492	37	banking	banking	NOUN
easat-5250	492	38	,	,	PUNCT
easat-5250	492	39	"	"	PUNCT
easat-5250	492	40	the	the	DET
easat-5250	492	41	journal	journal	NOUN
easat-5250	492	42	of	of	ADP
easat-5250	492	43	asian	asian	ADJ
easat-5250	492	44	finance	finance	NOUN
easat-5250	492	45	,	,	PUNCT
easat-5250	492	46	economics	economic	NOUN
easat-5250	492	47	and	and	CCONJ
easat-5250	492	48	business	business	NOUN
easat-5250	492	49	,	,	PUNCT
easat-5250	492	50	vol	vol	NOUN
easat-5250	492	51	.	.	PROPN
easat-5250	492	52	8	8	NUM
easat-5250	492	53	,	,	PUNCT
easat-5250	492	54	no	no	INTJ
easat-5250	492	55	.	.	NOUN
easat-5250	492	56	1	1	NUM
easat-5250	492	57	,	,	PUNCT
easat-5250	492	58	pp	pp	ADJ
easat-5250	492	59	.	.	PUNCT
easat-5250	493	1	353	353	NUM
easat-5250	493	2	-	-	SYM
easat-5250	493	3	361	361	NUM
easat-5250	493	4	,	,	PUNCT
easat-5250	493	5	2021	2021	NUM
easat-5250	493	6	.	.	PUNCT
easat-5250	494	1	https://doi.org/10.13106/jafeb.2021.vol8.no1.353	https://doi.org/10.13106/jafeb.2021.vol8.no1.353	X
easat-5250	495	1	[	[	X
easat-5250	495	2	20	20	NUM
easat-5250	495	3	]	]	X
easat-5250	495	4	v.	v.	ADP
easat-5250	495	5	t.	t.	PROPN
easat-5250	495	6	phong	phong	PROPN
easat-5250	495	7	and	and	CCONJ
easat-5250	495	8	v.	v.	ADP
easat-5250	495	9	m.	m.	PROPN
easat-5250	495	10	d.	d.	PROPN
easat-5250	495	11	anh	anh	PROPN
easat-5250	495	12	,	,	PUNCT
easat-5250	495	13	"	"	PUNCT
easat-5250	495	14	impact	impact	NOUN
easat-5250	495	15	of	of	ADP
easat-5250	495	16	the	the	DET
easat-5250	495	17	bank	bank	NOUN
easat-5250	495	18	’s	’s	PART
easat-5250	495	19	image	image	NOUN
easat-5250	495	20	and	and	CCONJ
easat-5250	495	21	reputation	reputation	NOUN
easat-5250	495	22	on	on	ADP
easat-5250	495	23	customer	customer	NOUN
easat-5250	495	24	’s	’s	PART
easat-5250	495	25	loyalty	loyalty	NOUN
easat-5250	495	26	through	through	ADP
easat-5250	495	27	customer	customer	NOUN
easat-5250	495	28	’s	’s	PART
easat-5250	495	29	trust	trust	NOUN
easat-5250	495	30	:	:	PUNCT
easat-5250	495	31	a	a	DET
easat-5250	495	32	case	case	NOUN
easat-5250	495	33	of	of	ADP
easat-5250	495	34	commercial	commercial	ADJ
easat-5250	495	35	banks	bank	NOUN
easat-5250	495	36	in	in	ADP
easat-5250	495	37	ho	ho	PROPN
easat-5250	495	38	chi	chi	PROPN
easat-5250	495	39	minh	minh	PROPN
easat-5250	495	40	city	city	NOUN
easat-5250	495	41	,	,	PUNCT
easat-5250	495	42	"	"	PUNCT
easat-5250	495	43	open	open	ADJ
easat-5250	495	44	journal	journal	NOUN
easat-5250	495	45	of	of	ADP
easat-5250	495	46	business	business	NOUN
easat-5250	495	47	and	and	CCONJ
easat-5250	495	48	management	management	NOUN
easat-5250	495	49	,	,	PUNCT
easat-5250	495	50	vol	vol	NOUN
easat-5250	495	51	.	.	PROPN
easat-5250	495	52	11	11	NUM
easat-5250	495	53	,	,	PUNCT
easat-5250	495	54	no	no	INTJ
easat-5250	495	55	.	.	NOUN
easat-5250	495	56	5	5	NUM
easat-5250	495	57	,	,	PUNCT
easat-5250	495	58	pp	pp	ADJ
easat-5250	495	59	.	.	PUNCT
easat-5250	495	60	2652	2652	NUM
easat-5250	495	61	-	-	SYM
easat-5250	495	62	2685	2685	NUM
easat-5250	495	63	,	,	PUNCT
easat-5250	495	64	2023	2023	NUM
easat-5250	495	65	.	.	PUNCT
easat-5250	496	1	https://doi.org/10.4236/ojbm.2023.115145	https://doi.org/10.4236/ojbm.2023.115145	PROPN
easat-5250	497	1	[	[	X
easat-5250	497	2	21	21	NUM
easat-5250	497	3	]	]	PUNCT
easat-5250	497	4	p.	p.	PROPN
easat-5250	497	5	k.	k.	PROPN
easat-5250	497	6	ozili	ozili	PROPN
easat-5250	497	7	,	,	PUNCT
easat-5250	497	8	causes	cause	NOUN
easat-5250	497	9	and	and	CCONJ
easat-5250	497	10	consequences	consequence	NOUN
easat-5250	497	11	of	of	ADP
easat-5250	497	12	the	the	DET
easat-5250	497	13	2023	2023	NUM
easat-5250	497	14	banking	banking	NOUN
easat-5250	497	15	crisis	crisis	NOUN
easat-5250	497	16	.	.	PUNCT
easat-5250	498	1	in	in	ADP
easat-5250	498	2	governance	governance	NOUN
easat-5250	498	3	and	and	CCONJ
easat-5250	498	4	policy	policy	NOUN
easat-5250	498	5	transformations	transformation	NOUN
easat-5250	498	6	in	in	ADP
easat-5250	498	7	central	central	ADJ
easat-5250	498	8	banking	banking	NOUN
easat-5250	498	9	.	.	PUNCT
easat-5250	499	1	united	united	PROPN
easat-5250	499	2	states	states	PROPN
easat-5250	499	3	:	:	PUNCT
easat-5250	499	4	igi	igi	PROPN
easat-5250	499	5	global	global	ADJ
easat-5250	499	6	scientific	scientific	ADJ
easat-5250	499	7	publishing	publishing	NOUN
easat-5250	499	8	,	,	PUNCT
easat-5250	499	9	2024	2024	NUM
easat-5250	499	10	.	.	PUNCT
easat-5250	500	1	[	[	X
easat-5250	500	2	22	22	NUM
easat-5250	500	3	]	]	PUNCT
easat-5250	500	4	a.	a.	NOUN
easat-5250	500	5	cardoso	cardoso	PROPN
easat-5250	500	6	and	and	CCONJ
easat-5250	500	7	m.	m.	NOUN
easat-5250	500	8	cardoso	cardoso	PROPN
easat-5250	500	9	,	,	PUNCT
easat-5250	500	10	"	"	PUNCT
easat-5250	500	11	bank	bank	NOUN
easat-5250	500	12	reputation	reputation	NOUN
easat-5250	500	13	and	and	CCONJ
easat-5250	500	14	trust	trust	NOUN
easat-5250	500	15	:	:	PUNCT
easat-5250	500	16	impact	impact	NOUN
easat-5250	500	17	on	on	ADP
easat-5250	500	18	client	client	NOUN
easat-5250	500	19	satisfaction	satisfaction	NOUN
easat-5250	500	20	and	and	CCONJ
easat-5250	500	21	loyalty	loyalty	NOUN
easat-5250	500	22	for	for	ADP
easat-5250	500	23	portuguese	portuguese	ADJ
easat-5250	500	24	clients	client	NOUN
easat-5250	500	25	,	,	PUNCT
easat-5250	500	26	"	"	PUNCT
easat-5250	500	27	journal	journal	NOUN
easat-5250	500	28	of	of	ADP
easat-5250	500	29	risk	risk	NOUN
easat-5250	500	30	and	and	CCONJ
easat-5250	500	31	financial	financial	ADJ
easat-5250	500	32	management	management	NOUN
easat-5250	500	33	,	,	PUNCT
easat-5250	500	34	vol	vol	NOUN
easat-5250	500	35	.	.	PROPN
easat-5250	500	36	17	17	NUM
easat-5250	500	37	,	,	PUNCT
easat-5250	500	38	no	no	INTJ
easat-5250	500	39	.	.	NOUN
easat-5250	500	40	7	7	NUM
easat-5250	500	41	,	,	PUNCT
easat-5250	500	42	p.	p.	NOUN
easat-5250	500	43	277	277	NUM
easat-5250	500	44	,	,	PUNCT
easat-5250	500	45	2024	2024	NUM
easat-5250	500	46	.	.	PUNCT
easat-5250	501	1	https://doi.org/10.3390/jrfm17070277	https://doi.org/10.3390/jrfm17070277	NOUN
easat-5250	502	1	[	[	X
easat-5250	502	2	23	23	NUM
easat-5250	502	3	]	]	PUNCT
easat-5250	502	4	m.	m.	NOUN
easat-5250	502	5	mujinga	mujinga	ADV
easat-5250	502	6	,	,	PUNCT
easat-5250	502	7	online	online	ADJ
easat-5250	502	8	banking	banking	NOUN
easat-5250	502	9	service	service	NOUN
easat-5250	502	10	quality	quality	NOUN
easat-5250	502	11	:	:	PUNCT
easat-5250	502	12	a	a	DET
easat-5250	502	13	south	south	ADJ
easat-5250	502	14	african	african	ADJ
easat-5250	502	15	e	e	PROPN
easat-5250	502	16	-	-	ADJ
easat-5250	502	17	s	s	ADP
easat-5250	502	18	-	-	PUNCT
easat-5250	502	19	qual	qual	ADJ
easat-5250	502	20	analysis	analysis	NOUN
easat-5250	502	21	,	,	PUNCT
easat-5250	502	22	”	"	PUNCT
easat-5250	502	23	in	in	ADP
easat-5250	502	24	lecture	lecture	NOUN
easat-5250	502	25	notes	note	NOUN
easat-5250	502	26	in	in	ADP
easat-5250	502	27	computer	computer	NOUN
easat-5250	502	28	science	science	NOUN
easat-5250	502	29	(	(	PUNCT
easat-5250	502	30	including	include	VERB
easat-5250	502	31	subseries	subserie	NOUN
easat-5250	502	32	lecture	lecture	VERB
easat-5250	502	33	notes	note	NOUN
easat-5250	502	34	in	in	ADP
easat-5250	502	35	artificial	artificial	ADJ
easat-5250	502	36	intelligence	intelligence	NOUN
easat-5250	502	37	and	and	CCONJ
easat-5250	502	38	lecture	lecture	NOUN
easat-5250	502	39	notes	note	NOUN
easat-5250	502	40	in	in	ADP
easat-5250	502	41	bioinformatics	bioinformatics	NOUN
easat-5250	502	42	)	)	PUNCT
easat-5250	502	43	.	.	PUNCT
easat-5250	503	1	springer	springer	NOUN
easat-5250	503	2	.	.	PUNCT
easat-5250	504	1	https://doi.org/10.1007/978-3-030-44999-5_19	https://doi.org/10.1007/978-3-030-44999-5_19	NOUN
easat-5250	504	2	,	,	PUNCT
easat-5250	504	3	2020	2020	NUM
easat-5250	504	4	.	.	PUNCT
easat-5250	505	1	[	[	X
easat-5250	505	2	24	24	NUM
easat-5250	505	3	]	]	PUNCT
easat-5250	505	4	s.	s.	PROPN
easat-5250	505	5	a.	a.	PROPN
easat-5250	505	6	raza	raza	PROPN
easat-5250	505	7	,	,	PUNCT
easat-5250	505	8	a.	a.	NOUN
easat-5250	505	9	umer	umer	PROPN
easat-5250	505	10	,	,	PUNCT
easat-5250	505	11	m.	m.	NOUN
easat-5250	505	12	a.	a.	PROPN
easat-5250	505	13	qureshi	qureshi	PROPN
easat-5250	505	14	,	,	PUNCT
easat-5250	505	15	and	and	CCONJ
easat-5250	505	16	a.	a.	PROPN
easat-5250	505	17	s.	s.	PROPN
easat-5250	505	18	dahri	dahri	PROPN
easat-5250	505	19	,	,	PUNCT
easat-5250	505	20	"	"	PUNCT
easat-5250	505	21	internet	internet	NOUN
easat-5250	505	22	banking	banking	NOUN
easat-5250	505	23	service	service	NOUN
easat-5250	505	24	quality	quality	NOUN
easat-5250	505	25	,	,	PUNCT
easat-5250	505	26	e	e	NOUN
easat-5250	505	27	-	-	NOUN
easat-5250	505	28	customer	customer	NOUN
easat-5250	505	29	satisfaction	satisfaction	NOUN
easat-5250	505	30	and	and	CCONJ
easat-5250	505	31	loyalty	loyalty	NOUN
easat-5250	505	32	:	:	PUNCT
easat-5250	505	33	the	the	DET
easat-5250	505	34	modified	modified	ADJ
easat-5250	505	35	e	e	ADJ
easat-5250	505	36	-	-	ADJ
easat-5250	505	37	servqual	servqual	ADJ
easat-5250	505	38	model	model	NOUN
easat-5250	505	39	,	,	PUNCT
easat-5250	505	40	"	"	PUNCT
easat-5250	505	41	the	the	DET
easat-5250	505	42	tqm	tqm	ADJ
easat-5250	505	43	journal	journal	NOUN
easat-5250	505	44	,	,	PUNCT
easat-5250	505	45	vol	vol	NOUN
easat-5250	505	46	.	.	PROPN
easat-5250	505	47	32	32	NUM
easat-5250	505	48	,	,	PUNCT
easat-5250	505	49	no	no	INTJ
easat-5250	505	50	.	.	NOUN
easat-5250	505	51	6	6	NUM
easat-5250	505	52	,	,	PUNCT
easat-5250	505	53	pp	pp	ADJ
easat-5250	505	54	.	.	PUNCT
easat-5250	505	55	1443	1443	NUM
easat-5250	505	56	-	-	SYM
easat-5250	505	57	1466	1466	NUM
easat-5250	505	58	,	,	PUNCT
easat-5250	505	59	2020	2020	NUM
easat-5250	505	60	.	.	PUNCT
easat-5250	505	61	https://doi.org/10.1108/tqm-02-2020-0019	https://doi.org/10.1108/tqm-02-2020-0019	X
easat-5250	506	1	[	[	X
easat-5250	506	2	25	25	NUM
easat-5250	506	3	]	]	X
easat-5250	506	4	financial	financial	ADJ
easat-5250	506	5	services	service	NOUN
easat-5250	506	6	authority	authority	NOUN
easat-5250	506	7	,	,	PUNCT
easat-5250	506	8	financial	financial	ADJ
easat-5250	506	9	services	service	NOUN
easat-5250	506	10	authority	authority	NOUN
easat-5250	506	11	regulation	regulation	NOUN
easat-5250	506	12	number	number	NOUN
easat-5250	506	13	12	12	NUM
easat-5250	506	14	/	/	SYM
easat-5250	506	15	pojk.03/2018	pojk.03/2018	NOUN
easat-5250	506	16	concerning	concern	VERB
easat-5250	506	17	the	the	DET
easat-5250	506	18	implementation	implementation	NOUN
easat-5250	506	19	of	of	ADP
easat-5250	506	20	digital	digital	ADJ
easat-5250	506	21	banking	banking	NOUN
easat-5250	506	22	services	service	NOUN
easat-5250	506	23	by	by	ADP
easat-5250	506	24	commercial	commercial	ADJ
easat-5250	506	25	banks	bank	NOUN
easat-5250	506	26	.	.	PUNCT
easat-5250	507	1	jakarta	jakarta	PROPN
easat-5250	507	2	,	,	PUNCT
easat-5250	507	3	indonesia	indonesia	PROPN
easat-5250	507	4	:	:	PUNCT
easat-5250	507	5	financial	financial	ADJ
easat-5250	507	6	services	service	NOUN
easat-5250	507	7	authority	authority	NOUN
easat-5250	507	8	,	,	PUNCT
easat-5250	507	9	2018	2018	NUM
easat-5250	507	10	.	.	PUNCT
easat-5250	508	1	[	[	X
easat-5250	508	2	26	26	NUM
easat-5250	508	3	]	]	X
easat-5250	508	4	p.	p.	NOUN
easat-5250	508	5	m.	m.	NOUN
easat-5250	508	6	nguyen	nguyen	NOUN
easat-5250	508	7	and	and	CCONJ
easat-5250	508	8	t.	t.	PROPN
easat-5250	508	9	h.	h.	PROPN
easat-5250	508	10	dang	dang	PROPN
easat-5250	508	11	,	,	PUNCT
easat-5250	508	12	"	"	PUNCT
easat-5250	508	13	factors	factor	NOUN
easat-5250	508	14	affecting	affect	VERB
easat-5250	508	15	digital	digital	ADJ
easat-5250	508	16	banking	banking	NOUN
easat-5250	508	17	services	service	NOUN
easat-5250	508	18	acceptance	acceptance	NOUN
easat-5250	508	19	:	:	PUNCT
easat-5250	508	20	an	an	DET
easat-5250	508	21	empirical	empirical	ADJ
easat-5250	508	22	study	study	NOUN
easat-5250	508	23	in	in	ADP
easat-5250	508	24	vietnam	vietnam	PROPN
easat-5250	508	25	during	during	ADP
easat-5250	508	26	the	the	DET
easat-5250	508	27	covid-19	covid-19	PROPN
easat-5250	508	28	pandemic	pandemic	NOUN
easat-5250	508	29	,	,	PUNCT
easat-5250	508	30	"	"	PUNCT
easat-5250	508	31	entrepreneurial	entrepreneurial	ADJ
easat-5250	508	32	business	business	NOUN
easat-5250	508	33	and	and	CCONJ
easat-5250	508	34	economics	economic	NOUN
easat-5250	508	35	review	review	PROPN
easat-5250	508	36	,	,	PUNCT
easat-5250	508	37	vol	vol	NOUN
easat-5250	508	38	.	.	PROPN
easat-5250	508	39	12	12	NUM
easat-5250	508	40	,	,	PUNCT
easat-5250	508	41	no	no	INTJ
easat-5250	508	42	.	.	NOUN
easat-5250	508	43	1	1	NUM
easat-5250	508	44	,	,	PUNCT
easat-5250	508	45	pp	pp	ADJ
easat-5250	508	46	.	.	PUNCT
easat-5250	509	1	101	101	NUM
easat-5250	509	2	-	-	SYM
easat-5250	509	3	117	117	NUM
easat-5250	509	4	,	,	PUNCT
easat-5250	509	5	2024	2024	NUM
easat-5250	509	6	.	.	PUNCT
easat-5250	510	1	https://doi.org/10.15678/eber.2024.120106	https://doi.org/10.15678/eber.2024.120106	X
easat-5250	511	1	[	[	X
easat-5250	511	2	27	27	NUM
easat-5250	511	3	]	]	X
easat-5250	511	4	r.	r.	PROPN
easat-5250	511	5	r.	r.	PROPN
easat-5250	511	6	ahmed	ahmed	PROPN
easat-5250	511	7	,	,	PUNCT
easat-5250	511	8	d.	d.	PROPN
easat-5250	511	9	streimikiene	streimikiene	PROPN
easat-5250	511	10	,	,	PUNCT
easat-5250	511	11	z.	z.	PROPN
easat-5250	511	12	a.	a.	PROPN
easat-5250	511	13	channar	channar	PROPN
easat-5250	511	14	,	,	PUNCT
easat-5250	511	15	r.	r.	PROPN
easat-5250	511	16	h.	h.	PROPN
easat-5250	511	17	soomro	soomro	PROPN
easat-5250	511	18	,	,	PUNCT
easat-5250	511	19	and	and	CCONJ
easat-5250	511	20	j.	j.	PROPN
easat-5250	511	21	streimikis	streimikis	PROPN
easat-5250	511	22	,	,	PUNCT
easat-5250	511	23	"	"	PUNCT
easat-5250	511	24	e	e	NOUN
easat-5250	511	25	-	-	ADJ
easat-5250	511	26	banking	banking	ADJ
easat-5250	511	27	customer	customer	NOUN
easat-5250	511	28	satisfaction	satisfaction	NOUN
easat-5250	511	29	and	and	CCONJ
easat-5250	511	30	loyalty	loyalty	NOUN
easat-5250	511	31	:	:	PUNCT
easat-5250	511	32	evidence	evidence	NOUN
easat-5250	511	33	from	from	ADP
easat-5250	511	34	serial	serial	ADJ
easat-5250	511	35	mediation	mediation	NOUN
easat-5250	511	36	through	through	ADP
easat-5250	511	37	modified	modify	VERB
easat-5250	511	38	es	es	VERB
easat-5250	511	39	-	-	PUNCT
easat-5250	511	40	qual	qual	ADJ
easat-5250	511	41	model	model	NOUN
easat-5250	511	42	and	and	CCONJ
easat-5250	511	43	second	second	ADJ
easat-5250	511	44	-	-	PUNCT
easat-5250	511	45	order	order	NOUN
easat-5250	511	46	pls	pls	NOUN
easat-5250	511	47	-	-	PUNCT
easat-5250	511	48	sem	sem	NOUN
easat-5250	511	49	,	,	PUNCT
easat-5250	511	50	"	"	PUNCT
easat-5250	511	51	engineering	engineering	NOUN
easat-5250	511	52	economics	economic	NOUN
easat-5250	511	53	,	,	PUNCT
easat-5250	511	54	vol	vol	NOUN
easat-5250	511	55	.	.	PROPN
easat-5250	512	1	32	32	NUM
easat-5250	512	2	,	,	PUNCT
easat-5250	512	3	no	no	INTJ
easat-5250	512	4	.	.	NOUN
easat-5250	512	5	5	5	NUM
easat-5250	512	6	,	,	PUNCT
easat-5250	512	7	pp	pp	ADJ
easat-5250	512	8	.	.	PUNCT
easat-5250	513	1	407	407	NUM
easat-5250	513	2	-	-	SYM
easat-5250	513	3	421	421	NUM
easat-5250	513	4	,	,	PUNCT
easat-5250	513	5	2021	2021	NUM
easat-5250	513	6	.	.	PUNCT
easat-5250	514	1	https://doi.org/10.5755/j01.ee.32.5.28997	https://doi.org/10.5755/j01.ee.32.5.28997	X
easat-5250	515	1	[	[	X
easat-5250	515	2	28	28	NUM
easat-5250	515	3	]	]	X
easat-5250	515	4	n.	n.	PROPN
easat-5250	515	5	p.	p.	PROPN
easat-5250	515	6	le	le	PROPN
easat-5250	515	7	,	,	PUNCT
easat-5250	515	8	n.	n.	PROPN
easat-5250	515	9	t.	t.	PROPN
easat-5250	515	10	h.	h.	PROPN
easat-5250	515	11	ninh	ninh	PROPN
easat-5250	515	12	,	,	PUNCT
easat-5250	515	13	and	and	CCONJ
easat-5250	515	14	n.	n.	PROPN
easat-5250	515	15	m.	m.	PROPN
easat-5250	515	16	hung	hung	PROPN
easat-5250	515	17	,	,	PUNCT
easat-5250	515	18	"	"	PUNCT
easat-5250	515	19	factors	factor	NOUN
easat-5250	515	20	influencing	influence	VERB
easat-5250	515	21	customers	customer	NOUN
easat-5250	515	22	’	'	PUNCT
easat-5250	515	23	perception	perception	NOUN
easat-5250	515	24	of	of	ADP
easat-5250	515	25	digital	digital	ADJ
easat-5250	515	26	banking	banking	NOUN
easat-5250	515	27	service	service	NOUN
easat-5250	515	28	quality	quality	NOUN
easat-5250	515	29	in	in	ADP
easat-5250	515	30	vietnam	vietnam	PROPN
easat-5250	515	31	,	,	PUNCT
easat-5250	515	32	"	"	PUNCT
easat-5250	515	33	international	international	ADJ
easat-5250	515	34	journal	journal	NOUN
easat-5250	515	35	of	of	ADP
easat-5250	515	36	professional	professional	PROPN
easat-5250	515	37	business	business	PROPN
easat-5250	515	38	review	review	PROPN
easat-5250	515	39	,	,	PUNCT
easat-5250	515	40	vol	vol	NOUN
easat-5250	515	41	.	.	PROPN
easat-5250	515	42	8	8	NUM
easat-5250	515	43	,	,	PUNCT
easat-5250	515	44	no	no	INTJ
easat-5250	515	45	.	.	NOUN
easat-5250	515	46	7	7	NUM
easat-5250	515	47	,	,	PUNCT
easat-5250	515	48	p.	p.	NOUN
easat-5250	515	49	106	106	NUM
easat-5250	515	50	,	,	PUNCT
easat-5250	515	51	2023	2023	NUM
easat-5250	515	52	.	.	PUNCT
easat-5250	516	1	https://doi.org/10.26668/businessreview/2023.v8i7.2861	https://doi.org/10.26668/businessreview/2023.v8i7.2861	NOUN
easat-5250	516	2	[	[	X
easat-5250	516	3	29	29	NUM
easat-5250	516	4	]	]	X
easat-5250	516	5	c.	c.	NOUN
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easat-5250	516	7	and	and	CCONJ
easat-5250	516	8	k.	k.	PROPN
easat-5250	516	9	maruthamuthu	maruthamuthu	PROPN
easat-5250	516	10	,	,	PUNCT
easat-5250	516	11	"	"	PUNCT
easat-5250	516	12	analysing	analyse	VERB
easat-5250	516	13	the	the	DET
easat-5250	516	14	art	art	NOUN
easat-5250	516	15	of	of	ADP
easat-5250	516	16	service	service	NOUN
easat-5250	516	17	quality	quality	NOUN
easat-5250	516	18	and	and	CCONJ
easat-5250	516	19	customer	customer	NOUN
easat-5250	516	20	satisfaction	satisfaction	NOUN
easat-5250	516	21	of	of	ADP
easat-5250	516	22	digital	digital	ADJ
easat-5250	516	23	banking	banking	NOUN
easat-5250	516	24	services	service	NOUN
easat-5250	516	25	:	:	PUNCT
easat-5250	516	26	a	a	DET
easat-5250	516	27	sem	sem	NOUN
easat-5250	516	28	approach	approach	NOUN
easat-5250	516	29	,	,	PUNCT
easat-5250	516	30	"	"	PUNCT
easat-5250	516	31	international	international	ADJ
easat-5250	516	32	review	review	NOUN
easat-5250	516	33	of	of	ADP
easat-5250	516	34	management	management	NOUN
easat-5250	516	35	and	and	CCONJ
easat-5250	516	36	marketing	marketing	NOUN
easat-5250	516	37	,	,	PUNCT
easat-5250	516	38	vol	vol	NOUN
easat-5250	516	39	.	.	PROPN
easat-5250	516	40	14	14	NUM
easat-5250	516	41	,	,	PUNCT
easat-5250	516	42	no	no	INTJ
easat-5250	516	43	.	.	NOUN
easat-5250	516	44	4	4	NUM
easat-5250	516	45	,	,	PUNCT
easat-5250	516	46	pp	pp	ADJ
easat-5250	516	47	.	.	PUNCT
easat-5250	517	1	202	202	NUM
easat-5250	517	2	-	-	SYM
easat-5250	517	3	209	209	NUM
easat-5250	517	4	,	,	PUNCT
easat-5250	517	5	2024	2024	NUM
easat-5250	517	6	.	.	PUNCT
easat-5250	518	1	https://doi.org/10.32479/irmm.16234	https://doi.org/10.32479/irmm.16234	ADJ
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easat-5250	518	3	30	30	NUM
easat-5250	518	4	]	]	PUNCT
easat-5250	518	5	s.	s.	PROPN
easat-5250	518	6	rahi	rahi	PROPN
easat-5250	518	7	and	and	CCONJ
easat-5250	518	8	m.	m.	PROPN
easat-5250	518	9	abd	abd	PROPN
easat-5250	518	10	.	.	PUNCT
easat-5250	518	11	ghani	ghani	PROPN
easat-5250	518	12	,	,	PUNCT
easat-5250	518	13	"	"	PUNCT
easat-5250	518	14	investigating	investigate	VERB
easat-5250	518	15	the	the	DET
easat-5250	518	16	role	role	NOUN
easat-5250	518	17	of	of	ADP
easat-5250	518	18	utaut	utaut	NOUN
easat-5250	518	19	and	and	CCONJ
easat-5250	518	20	e	e	NOUN
easat-5250	518	21	-	-	NOUN
easat-5250	518	22	service	service	ADJ
easat-5250	518	23	quality	quality	NOUN
easat-5250	518	24	in	in	ADP
easat-5250	518	25	internet	internet	NOUN
easat-5250	518	26	banking	banking	NOUN
easat-5250	518	27	adoption	adoption	NOUN
easat-5250	518	28	setting	set	VERB
easat-5250	518	29	,	,	PUNCT
easat-5250	518	30	"	"	PUNCT
easat-5250	518	31	the	the	DET
easat-5250	518	32	tqm	tqm	ADJ
easat-5250	518	33	journal	journal	NOUN
easat-5250	518	34	,	,	PUNCT
easat-5250	518	35	vol	vol	NOUN
easat-5250	518	36	.	.	PROPN
easat-5250	518	37	31	31	NUM
easat-5250	518	38	,	,	PUNCT
easat-5250	518	39	no	no	INTJ
easat-5250	518	40	.	.	NOUN
easat-5250	518	41	3	3	NUM
easat-5250	518	42	,	,	PUNCT
easat-5250	518	43	pp	pp	ADJ
easat-5250	518	44	.	.	PUNCT
easat-5250	519	1	491	491	NUM
easat-5250	519	2	-	-	SYM
easat-5250	519	3	506	506	NUM
easat-5250	519	4	,	,	PUNCT
easat-5250	519	5	2019	2019	NUM
easat-5250	519	6	.	.	PUNCT
easat-5250	520	1	https://doi.org/10.1108/tqm-02-2018-0018	https://doi.org/10.1108/tqm-02-2018-0018	VERB
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easat-5250	520	5	https://doi.org/10.24874/ijqr18.02-20	https://doi.org/10.24874/ijqr18.02-20	AUX
easat-5250	520	6	https://doi.org/10.18488/journal.73.2020.83.310.322	https://doi.org/10.18488/journal.73.2020.83.310.322	PROPN
easat-5250	520	7	https://doi.org/10.1177/1094670504271156	https://doi.org/10.1177/1094670504271156	PROPN
easat-5250	520	8	https://doi.org/10.1108/ijbm-02-2021-0072	https://doi.org/10.1108/ijbm-02-2021-0072	PROPN
easat-5250	520	9	https://doi.org/10.13106/jafeb.2021.vol8.no1.353	https://doi.org/10.13106/jafeb.2021.vol8.no1.353	PROPN
easat-5250	520	10	https://doi.org/10.4236/ojbm.2023.115145	https://doi.org/10.4236/ojbm.2023.115145	PROPN
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easat-5250	521	1	https://doi.org/10.15678/eber.2024.120106	https://doi.org/10.15678/eber.2024.120106	PROPN
easat-5250	521	2	https://doi.org/10.5755/j01.ee.32.5.28997	https://doi.org/10.5755/j01.ee.32.5.28997	X
easat-5250	521	3	https://doi.org/10.26668/businessreview/2023.v8i7.2861	https://doi.org/10.26668/businessreview/2023.v8i7.2861	NOUN
easat-5250	521	4	https://doi.org/10.32479/irmm.16234	https://doi.org/10.32479/irmm.16234	ADJ
easat-5250	521	5	https://doi.org/10.1108/tqm-02-2018-0018	https://doi.org/10.1108/tqm-02-2018-0018	PROPN
easat-5250	521	6	509	509	NUM
easat-5250	521	7	edelweiss	edelweiss	PROPN
easat-5250	521	8	applied	apply	VERB
easat-5250	521	9	science	science	NOUN
easat-5250	521	10	and	and	CCONJ
easat-5250	521	11	technology	technology	NOUN
easat-5250	521	12	issn	issn	PROPN
easat-5250	521	13	:	:	PUNCT
easat-5250	521	14	2576	2576	NUM
easat-5250	521	15	-	-	SYM
easat-5250	521	16	8484	8484	NUM
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easat-5250	522	2	,	,	PUNCT
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easat-5250	522	4	.	.	NOUN
easat-5250	523	1	3	3	NUM
easat-5250	523	2	:	:	PUNCT
easat-5250	523	3	489	489	NUM
easat-5250	523	4	-	-	SYM
easat-5250	523	5	510	510	NUM
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easat-5250	523	7	2025	2025	NUM
easat-5250	523	8	doi	doi	NOUN
easat-5250	523	9	:	:	PUNCT
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easat-5250	523	12	2025	2025	NUM
easat-5250	523	13	by	by	ADP
easat-5250	523	14	the	the	DET
easat-5250	523	15	authors	author	NOUN
easat-5250	523	16	;	;	PUNCT
easat-5250	523	17	licensee	licensee	PROPN
easat-5250	523	18	learning	learning	NOUN
easat-5250	523	19	gate	gate	NOUN
easat-5250	524	1	[	[	X
easat-5250	524	2	31	31	NUM
easat-5250	524	3	]	]	X
easat-5250	524	4	n.	n.	PROPN
easat-5250	524	5	mustafa	mustafa	PROPN
easat-5250	524	6	,	,	PUNCT
easat-5250	524	7	a.	a.	NOUN
easat-5250	524	8	bajrami	bajrami	NOUN
easat-5250	524	9	,	,	PUNCT
easat-5250	524	10	and	and	CCONJ
easat-5250	524	11	x.	x.	PROPN
easat-5250	524	12	islami	islami	PROPN
easat-5250	524	13	,	,	PUNCT
easat-5250	524	14	"	"	PUNCT
easat-5250	524	15	electronic	electronic	ADJ
easat-5250	524	16	services	service	NOUN
easat-5250	524	17	management	management	NOUN
easat-5250	524	18	in	in	ADP
easat-5250	524	19	local	local	ADJ
easat-5250	524	20	governance	governance	NOUN
easat-5250	524	21	–	–	PUNCT
easat-5250	524	22	evidence	evidence	NOUN
easat-5250	524	23	from	from	ADP
easat-5250	524	24	a	a	DET
easat-5250	524	25	transitional	transitional	ADJ
easat-5250	524	26	economy	economy	NOUN
easat-5250	524	27	,	,	PUNCT
easat-5250	524	28	"	"	PUNCT
easat-5250	524	29	international	international	ADJ
easat-5250	524	30	journal	journal	NOUN
easat-5250	524	31	of	of	ADP
easat-5250	524	32	sustainable	sustainable	ADJ
easat-5250	524	33	development	development	NOUN
easat-5250	524	34	and	and	CCONJ
easat-5250	524	35	planning	planning	NOUN
easat-5250	524	36	,	,	PUNCT
easat-5250	524	37	vol	vol	NOUN
easat-5250	524	38	.	.	PROPN
easat-5250	525	1	17	17	NUM
easat-5250	525	2	,	,	PUNCT
easat-5250	525	3	no	no	INTJ
easat-5250	525	4	.	.	NOUN
easat-5250	525	5	2	2	NUM
easat-5250	525	6	,	,	PUNCT
easat-5250	525	7	pp	pp	ADJ
easat-5250	525	8	.	.	PUNCT
easat-5250	526	1	615	615	NUM
easat-5250	526	2	-	-	SYM
easat-5250	526	3	621	621	NUM
easat-5250	526	4	,	,	PUNCT
easat-5250	526	5	2022	2022	NUM
easat-5250	526	6	.	.	PUNCT
easat-5250	527	1	https://doi.org/10.18280/ijsdp.170226	https://doi.org/10.18280/ijsdp.170226	NUM
easat-5250	528	1	[	[	X
easat-5250	528	2	32	32	NUM
easat-5250	528	3	]	]	PUNCT
easat-5250	528	4	a.	a.	NOUN
easat-5250	528	5	pooya	pooya	PROPN
easat-5250	528	6	,	,	PUNCT
easat-5250	528	7	m.	m.	NOUN
easat-5250	528	8	abed	abe	VERB
easat-5250	528	9	khorasani	khorasani	PROPN
easat-5250	528	10	,	,	PUNCT
easat-5250	528	11	and	and	CCONJ
easat-5250	528	12	s.	s.	PROPN
easat-5250	528	13	gholamian	gholamian	PROPN
easat-5250	528	14	ghouzhdi	ghouzhdi	NOUN
easat-5250	528	15	,	,	PUNCT
easat-5250	528	16	"	"	PUNCT
easat-5250	528	17	investigating	investigate	VERB
easat-5250	528	18	the	the	DET
easat-5250	528	19	effect	effect	NOUN
easat-5250	528	20	of	of	ADP
easat-5250	528	21	perceived	perceive	VERB
easat-5250	528	22	quality	quality	NOUN
easat-5250	528	23	of	of	ADP
easat-5250	528	24	selfservice	selfservice	NOUN
easat-5250	528	25	banking	banking	NOUN
easat-5250	528	26	on	on	ADP
easat-5250	528	27	customer	customer	NOUN
easat-5250	528	28	satisfaction	satisfaction	NOUN
easat-5250	528	29	,	,	PUNCT
easat-5250	528	30	"	"	PUNCT
easat-5250	528	31	international	international	ADJ
easat-5250	528	32	journal	journal	NOUN
easat-5250	528	33	of	of	ADP
easat-5250	528	34	islamic	islamic	ADJ
easat-5250	528	35	and	and	CCONJ
easat-5250	528	36	middle	middle	ADJ
easat-5250	528	37	eastern	eastern	ADJ
easat-5250	528	38	finance	finance	NOUN
easat-5250	528	39	and	and	CCONJ
easat-5250	528	40	management	management	NOUN
easat-5250	528	41	,	,	PUNCT
easat-5250	528	42	vol	vol	NOUN
easat-5250	528	43	.	.	PROPN
easat-5250	528	44	13	13	NUM
easat-5250	528	45	,	,	PUNCT
easat-5250	528	46	no	no	INTJ
easat-5250	528	47	.	.	NOUN
easat-5250	528	48	2	2	NUM
easat-5250	528	49	,	,	PUNCT
easat-5250	528	50	pp	pp	ADJ
easat-5250	528	51	.	.	PUNCT
easat-5250	529	1	263	263	NUM
easat-5250	529	2	-	-	SYM
easat-5250	529	3	280	280	NUM
easat-5250	529	4	,	,	PUNCT
easat-5250	529	5	2020	2020	NUM
easat-5250	529	6	.	.	PUNCT
easat-5250	530	1	https://doi.org/10.1108/imefm-12-2018-0440	https://doi.org/10.1108/imefm-12-2018-0440	NUM
easat-5250	531	1	[	[	X
easat-5250	531	2	33	33	NUM
easat-5250	531	3	]	]	X
easat-5250	531	4	g.	g.	NOUN
easat-5250	531	5	balbin	balbin	PROPN
easat-5250	531	6	-	-	PUNCT
easat-5250	531	7	romero	romero	PROPN
easat-5250	531	8	,	,	PUNCT
easat-5250	531	9	e.	e.	PROPN
easat-5250	531	10	carrera	carrera	PROPN
easat-5250	531	11	-	-	PUNCT
easat-5250	531	12	mija	mija	PROPN
easat-5250	531	13	,	,	PUNCT
easat-5250	531	14	a.	a.	PROPN
easat-5250	531	15	serrato	serrato	PROPN
easat-5250	531	16	-	-	PUNCT
easat-5250	531	17	cherres	cherre	NOUN
easat-5250	531	18	,	,	PUNCT
easat-5250	531	19	and	and	CCONJ
easat-5250	531	20	f.	f.	PROPN
easat-5250	531	21	cordova	cordova	PROPN
easat-5250	531	22	-	-	PUNCT
easat-5250	531	23	buiza	buiza	PROPN
easat-5250	531	24	,	,	PUNCT
easat-5250	531	25	"	"	PUNCT
easat-5250	531	26	relationship	relationship	NOUN
easat-5250	531	27	between	between	ADP
easat-5250	531	28	e	e	NOUN
easat-5250	531	29	-	-	ADJ
easat-5250	531	30	banking	banking	ADJ
easat-5250	531	31	service	service	NOUN
easat-5250	531	32	quality	quality	NOUN
easat-5250	531	33	based	base	VERB
easat-5250	531	34	on	on	ADP
easat-5250	531	35	the	the	DET
easat-5250	531	36	e	e	PROPN
easat-5250	531	37	-	-	ADJ
easat-5250	531	38	servqual	servqual	ADJ
easat-5250	531	39	model	model	NOUN
easat-5250	531	40	and	and	CCONJ
easat-5250	531	41	customer	customer	NOUN
easat-5250	531	42	satisfaction	satisfaction	NOUN
easat-5250	531	43	:	:	PUNCT
easat-5250	531	44	a	a	DET
easat-5250	531	45	study	study	NOUN
easat-5250	531	46	in	in	ADP
easat-5250	531	47	a	a	DET
easat-5250	531	48	peruvian	peruvian	ADJ
easat-5250	531	49	bank	bank	NOUN
easat-5250	531	50	,	,	PUNCT
easat-5250	531	51	"	"	PUNCT
easat-5250	531	52	banks	bank	NOUN
easat-5250	531	53	and	and	CCONJ
easat-5250	531	54	bank	bank	NOUN
easat-5250	531	55	systems	system	NOUN
easat-5250	531	56	,	,	PUNCT
easat-5250	531	57	vol	vol	NOUN
easat-5250	531	58	.	.	PROPN
easat-5250	531	59	17	17	NUM
easat-5250	531	60	,	,	PUNCT
easat-5250	531	61	no	no	INTJ
easat-5250	531	62	.	.	NOUN
easat-5250	531	63	4	4	NUM
easat-5250	531	64	,	,	PUNCT
easat-5250	531	65	pp	pp	ADJ
easat-5250	531	66	.	.	PUNCT
easat-5250	532	1	180	180	NUM
easat-5250	532	2	-	-	SYM
easat-5250	532	3	188	188	NUM
easat-5250	532	4	,	,	PUNCT
easat-5250	532	5	2022	2022	NUM
easat-5250	532	6	.	.	PUNCT
easat-5250	533	1	https://doi.org/10.21511/bbs.17(4).2022.15	https://doi.org/10.21511/bbs.17(4).2022.15	X
easat-5250	534	1	[	[	X
easat-5250	534	2	34	34	NUM
easat-5250	534	3	]	]	PUNCT
easat-5250	534	4	t.	t.	PROPN
easat-5250	534	5	l.	l.	PROPN
easat-5250	534	6	liu	liu	PROPN
easat-5250	534	7	,	,	PUNCT
easat-5250	534	8	m.	m.	NOUN
easat-5250	534	9	m.	m.	PROPN
easat-5250	534	10	naveed	naveed	PROPN
easat-5250	534	11	,	,	PUNCT
easat-5250	534	12	s.	s.	PROPN
easat-5250	534	13	mustafa	mustafa	PROPN
easat-5250	534	14	,	,	PUNCT
easat-5250	534	15	and	and	CCONJ
easat-5250	534	16	m.	m.	NOUN
easat-5250	534	17	t.	t.	PROPN
easat-5250	534	18	naveed	naveed	PROPN
easat-5250	534	19	,	,	PUNCT
easat-5250	534	20	"	"	PUNCT
easat-5250	534	21	analysing	analyse	VERB
easat-5250	534	22	the	the	DET
easat-5250	534	23	impact	impact	NOUN
easat-5250	534	24	of	of	ADP
easat-5250	534	25	digital	digital	ADJ
easat-5250	534	26	technology	technology	NOUN
easat-5250	534	27	diffusion	diffusion	NOUN
easat-5250	534	28	on	on	ADP
easat-5250	534	29	the	the	DET
easat-5250	534	30	efficiency	efficiency	NOUN
easat-5250	534	31	and	and	CCONJ
easat-5250	534	32	convergence	convergence	NOUN
easat-5250	534	33	process	process	NOUN
easat-5250	534	34	of	of	ADP
easat-5250	534	35	the	the	DET
easat-5250	534	36	commercial	commercial	ADJ
easat-5250	534	37	banking	banking	NOUN
easat-5250	534	38	industry	industry	NOUN
easat-5250	534	39	of	of	ADP
easat-5250	534	40	pakistan	pakistan	PROPN
easat-5250	534	41	,	,	PUNCT
easat-5250	534	42	"	"	PUNCT
easat-5250	534	43	humanities	humanity	NOUN
easat-5250	534	44	and	and	CCONJ
easat-5250	534	45	social	social	ADJ
easat-5250	534	46	sciences	science	NOUN
easat-5250	534	47	communications	communication	NOUN
easat-5250	534	48	,	,	PUNCT
easat-5250	534	49	vol	vol	NOUN
easat-5250	534	50	.	.	PROPN
easat-5250	534	51	11	11	NUM
easat-5250	534	52	,	,	PUNCT
easat-5250	534	53	no	no	INTJ
easat-5250	534	54	.	.	NOUN
easat-5250	534	55	1	1	NUM
easat-5250	534	56	,	,	PUNCT
easat-5250	534	57	pp	pp	ADJ
easat-5250	534	58	.	.	PUNCT
easat-5250	535	1	1	1	NUM
easat-5250	535	2	-	-	SYM
easat-5250	535	3	27	27	NUM
easat-5250	535	4	,	,	PUNCT
easat-5250	535	5	2024	2024	NUM
easat-5250	535	6	.	.	PUNCT
easat-5250	536	1	https://doi.org/10.1057/s41599-024-03184-1	https://doi.org/10.1057/s41599-024-03184-1	X
easat-5250	537	1	[	[	X
easat-5250	537	2	35	35	NUM
easat-5250	537	3	]	]	PUNCT
easat-5250	537	4	m.	m.	NOUN
easat-5250	537	5	a.	a.	NOUN
easat-5250	537	6	saif	saif	PROPN
easat-5250	537	7	,	,	PUNCT
easat-5250	537	8	n.	n.	PROPN
easat-5250	537	9	hussin	hussin	PROPN
easat-5250	537	10	,	,	PUNCT
easat-5250	537	11	m.	m.	NOUN
easat-5250	537	12	m.	m.	PROPN
easat-5250	537	13	husin	husin	PROPN
easat-5250	537	14	,	,	PUNCT
easat-5250	537	15	a.	a.	NOUN
easat-5250	537	16	alwadain	alwadain	PROPN
easat-5250	537	17	,	,	PUNCT
easat-5250	537	18	and	and	CCONJ
easat-5250	537	19	a.	a.	NOUN
easat-5250	537	20	chakraborty	chakraborty	PROPN
easat-5250	537	21	,	,	PUNCT
easat-5250	537	22	"	"	PUNCT
easat-5250	537	23	determinants	determinant	NOUN
easat-5250	537	24	of	of	ADP
easat-5250	537	25	the	the	DET
easat-5250	537	26	intention	intention	NOUN
easat-5250	537	27	to	to	PART
easat-5250	537	28	adopt	adopt	VERB
easat-5250	537	29	digital	digital	ADJ
easat-5250	537	30	-	-	PUNCT
easat-5250	537	31	only	only	ADV
easat-5250	537	32	banks	bank	NOUN
easat-5250	537	33	in	in	ADP
easat-5250	537	34	malaysia	malaysia	PROPN
easat-5250	537	35	:	:	PUNCT
easat-5250	537	36	the	the	DET
easat-5250	537	37	extension	extension	NOUN
easat-5250	537	38	of	of	ADP
easat-5250	537	39	environmental	environmental	ADJ
easat-5250	537	40	concern	concern	NOUN
easat-5250	537	41	,	,	PUNCT
easat-5250	537	42	"	"	PUNCT
easat-5250	537	43	sustainability	sustainability	NOUN
easat-5250	537	44	,	,	PUNCT
easat-5250	537	45	vol	vol	NOUN
easat-5250	537	46	.	.	PROPN
easat-5250	537	47	14	14	NUM
easat-5250	537	48	,	,	PUNCT
easat-5250	537	49	no	no	INTJ
easat-5250	537	50	.	.	NOUN
easat-5250	537	51	17	17	NUM
easat-5250	537	52	,	,	PUNCT
easat-5250	537	53	p.	p.	NOUN
easat-5250	537	54	11043	11043	NUM
easat-5250	537	55	,	,	PUNCT
easat-5250	537	56	2022	2022	NUM
easat-5250	537	57	.	.	PUNCT
easat-5250	538	1	https://doi.org/10.3390/su141711043	https://doi.org/10.3390/su141711043	PUNCT
easat-5250	539	1	[	[	X
easat-5250	539	2	36	36	NUM
easat-5250	539	3	]	]	PUNCT
easat-5250	539	4	s.	s.	PROPN
easat-5250	539	5	carbó‐valverde	carbó‐valverde	PROPN
easat-5250	539	6	,	,	PUNCT
easat-5250	539	7	p.	p.	PROPN
easat-5250	539	8	j.	j.	PROPN
easat-5250	539	9	cuadros‐solas	cuadros‐solas	PROPN
easat-5250	539	10	,	,	PUNCT
easat-5250	539	11	f.	f.	PROPN
easat-5250	539	12	rodríguez‐fernández	rodríguez‐fernández	PROPN
easat-5250	539	13	,	,	PUNCT
easat-5250	539	14	and	and	CCONJ
easat-5250	539	15	j.	j.	PROPN
easat-5250	539	16	j.	j.	PROPN
easat-5250	539	17	sánchez‐béjar	sánchez‐béjar	PROPN
easat-5250	539	18	,	,	PUNCT
easat-5250	539	19	"	"	PUNCT
easat-5250	539	20	digital	digital	ADJ
easat-5250	539	21	innovation	innovation	NOUN
easat-5250	539	22	and	and	CCONJ
easat-5250	539	23	de‐branching	de‐branche	VERB
easat-5250	539	24	in	in	ADP
easat-5250	539	25	the	the	DET
easat-5250	539	26	banking	banking	NOUN
easat-5250	539	27	industry	industry	NOUN
easat-5250	539	28	:	:	PUNCT
easat-5250	539	29	customer	customer	NOUN
easat-5250	539	30	perception	perception	NOUN
easat-5250	539	31	and	and	CCONJ
easat-5250	539	32	satisfaction	satisfaction	NOUN
easat-5250	539	33	,	,	PUNCT
easat-5250	539	34	"	"	PUNCT
easat-5250	539	35	global	global	ADJ
easat-5250	539	36	policy	policy	NOUN
easat-5250	539	37	,	,	PUNCT
easat-5250	539	38	vol	vol	NOUN
easat-5250	539	39	.	.	PROPN
easat-5250	539	40	15	15	NUM
easat-5250	539	41	,	,	PUNCT
easat-5250	539	42	pp	pp	ADJ
easat-5250	539	43	.	.	PUNCT
easat-5250	540	1	8	8	NUM
easat-5250	540	2	-	-	SYM
easat-5250	540	3	20	20	NUM
easat-5250	540	4	,	,	PUNCT
easat-5250	540	5	2024	2024	NUM
easat-5250	540	6	.	.	PUNCT
easat-5250	541	1	https://doi.org/10.1111/1758-5899.13313	https://doi.org/10.1111/1758-5899.13313	PROPN
easat-5250	541	2	[	[	X
easat-5250	541	3	37	37	NUM
easat-5250	541	4	]	]	PUNCT
easat-5250	541	5	e.	e.	PROPN
easat-5250	541	6	ketema	ketema	PROPN
easat-5250	541	7	,	,	PUNCT
easat-5250	541	8	"	"	PUNCT
easat-5250	541	9	the	the	DET
easat-5250	541	10	impact	impact	NOUN
easat-5250	541	11	of	of	ADP
easat-5250	541	12	m	m	NOUN
easat-5250	541	13	-	-	ADJ
easat-5250	541	14	banking	banking	NOUN
easat-5250	541	15	quality	quality	NOUN
easat-5250	541	16	service	service	NOUN
easat-5250	541	17	on	on	ADP
easat-5250	541	18	customers	customer	NOUN
easat-5250	541	19	satisfaction	satisfaction	NOUN
easat-5250	541	20	during	during	ADP
easat-5250	541	21	covid-19	covid-19	PROPN
easat-5250	541	22	lock	lock	NOUN
easat-5250	541	23	down	down	ADP
easat-5250	541	24	:	:	PUNCT
easat-5250	541	25	the	the	DET
easat-5250	541	26	case	case	NOUN
easat-5250	541	27	of	of	ADP
easat-5250	541	28	bank	bank	PROPN
easat-5250	541	29	of	of	ADP
easat-5250	541	30	abyssinia	abyssinia	PROPN
easat-5250	541	31	,	,	PUNCT
easat-5250	541	32	ethiopia	ethiopia	PROPN
easat-5250	541	33	,	,	PUNCT
easat-5250	541	34	"	"	PUNCT
easat-5250	541	35	african	african	ADJ
easat-5250	541	36	journal	journal	NOUN
easat-5250	541	37	of	of	ADP
easat-5250	541	38	marketing	marketing	NOUN
easat-5250	541	39	management	management	NOUN
easat-5250	541	40	,	,	PUNCT
easat-5250	541	41	vol	vol	NOUN
easat-5250	541	42	.	.	PROPN
easat-5250	541	43	12	12	NUM
easat-5250	541	44	,	,	PUNCT
easat-5250	541	45	no	no	INTJ
easat-5250	541	46	.	.	NOUN
easat-5250	541	47	2	2	NUM
easat-5250	541	48	,	,	PUNCT
easat-5250	541	49	pp	pp	ADJ
easat-5250	541	50	.	.	PUNCT
easat-5250	542	1	21	21	NUM
easat-5250	542	2	-	-	SYM
easat-5250	542	3	37	37	NUM
easat-5250	542	4	,	,	PUNCT
easat-5250	542	5	2020	2020	NUM
easat-5250	542	6	.	.	PUNCT
easat-5250	543	1	https://doi.org/10.5897/ajmm2020.0651	https://doi.org/10.5897/ajmm2020.0651	NOUN
easat-5250	544	1	[	[	X
easat-5250	544	2	38	38	NUM
easat-5250	544	3	]	]	X
easat-5250	544	4	g.	g.	PROPN
easat-5250	544	5	zouari	zouari	PROPN
easat-5250	544	6	and	and	CCONJ
easat-5250	544	7	m.	m.	PROPN
easat-5250	544	8	abdelhedi	abdelhedi	PROPN
easat-5250	544	9	,	,	PUNCT
easat-5250	544	10	"	"	PUNCT
easat-5250	544	11	customer	customer	NOUN
easat-5250	544	12	satisfaction	satisfaction	NOUN
easat-5250	544	13	in	in	ADP
easat-5250	544	14	the	the	DET
easat-5250	544	15	digital	digital	ADJ
easat-5250	544	16	era	era	NOUN
easat-5250	544	17	:	:	PUNCT
easat-5250	544	18	evidence	evidence	NOUN
easat-5250	544	19	from	from	ADP
easat-5250	544	20	islamic	islamic	ADJ
easat-5250	544	21	banking	banking	NOUN
easat-5250	544	22	,	,	PUNCT
easat-5250	544	23	"	"	PUNCT
easat-5250	544	24	journal	journal	NOUN
easat-5250	544	25	of	of	ADP
easat-5250	544	26	innovation	innovation	NOUN
easat-5250	544	27	and	and	CCONJ
easat-5250	544	28	entrepreneurship	entrepreneurship	NOUN
easat-5250	544	29	,	,	PUNCT
easat-5250	544	30	vol	vol	NOUN
easat-5250	544	31	.	.	PROPN
easat-5250	545	1	10	10	NUM
easat-5250	545	2	,	,	PUNCT
easat-5250	545	3	pp	pp	ADJ
easat-5250	545	4	.	.	PUNCT
easat-5250	546	1	1	1	NUM
easat-5250	546	2	-	-	SYM
easat-5250	546	3	18	18	NUM
easat-5250	546	4	,	,	PUNCT
easat-5250	546	5	2021	2021	NUM
easat-5250	546	6	.	.	PUNCT
easat-5250	547	1	https://doi.org/10.1186/s13731-021-00151-x	https://doi.org/10.1186/s13731-021-00151-x	NOUN
easat-5250	548	1	[	[	X
easat-5250	548	2	39	39	NUM
easat-5250	548	3	]	]	PUNCT
easat-5250	548	4	b.	b.	PROPN
easat-5250	548	5	mwiya	mwiya	PROPN
easat-5250	548	6	et	et	PROPN
easat-5250	548	7	al	al	PROPN
easat-5250	548	8	.	.	PROPN
easat-5250	548	9	,	,	PUNCT
easat-5250	548	10	"	"	PUNCT
easat-5250	548	11	examining	examine	VERB
easat-5250	548	12	the	the	DET
easat-5250	548	13	effects	effect	NOUN
easat-5250	548	14	of	of	ADP
easat-5250	548	15	electronic	electronic	ADJ
easat-5250	548	16	service	service	NOUN
easat-5250	548	17	quality	quality	NOUN
easat-5250	548	18	on	on	ADP
easat-5250	548	19	online	online	ADJ
easat-5250	548	20	banking	banking	NOUN
easat-5250	548	21	customer	customer	NOUN
easat-5250	548	22	satisfaction	satisfaction	NOUN
easat-5250	548	23	:	:	PUNCT
easat-5250	548	24	evidence	evidence	NOUN
easat-5250	548	25	from	from	ADP
easat-5250	548	26	zambia	zambia	PROPN
easat-5250	548	27	,	,	PUNCT
easat-5250	548	28	"	"	PUNCT
easat-5250	548	29	cogent	cogent	NOUN
easat-5250	548	30	business	business	NOUN
easat-5250	548	31	&	&	CCONJ
easat-5250	548	32	management	management	PROPN
easat-5250	548	33	,	,	PUNCT
easat-5250	548	34	vol	vol	NOUN
easat-5250	548	35	.	.	PROPN
easat-5250	548	36	9	9	NUM
easat-5250	548	37	,	,	PUNCT
easat-5250	548	38	no	no	INTJ
easat-5250	548	39	.	.	NOUN
easat-5250	548	40	1	1	NUM
easat-5250	548	41	,	,	PUNCT
easat-5250	548	42	p.	p.	NOUN
easat-5250	548	43	2143017	2143017	NUM
easat-5250	548	44	,	,	PUNCT
easat-5250	548	45	2022	2022	NUM
easat-5250	548	46	.	.	PUNCT
easat-5250	548	47	https://doi.org/10.1080/23311975.2022.2143017	https://doi.org/10.1080/23311975.2022.2143017	PROPN
easat-5250	549	1	[	[	X
easat-5250	549	2	40	40	NUM
easat-5250	549	3	]	]	PUNCT
easat-5250	549	4	s.	s.	PROPN
easat-5250	549	5	sardana	sardana	PROPN
easat-5250	549	6	and	and	CCONJ
easat-5250	549	7	v.	v.	ADP
easat-5250	549	8	n.	n.	PROPN
easat-5250	549	9	bajpai	bajpai	PROPN
easat-5250	549	10	,	,	PUNCT
easat-5250	549	11	"	"	PUNCT
easat-5250	549	12	e	e	NOUN
easat-5250	549	13	-	-	ADJ
easat-5250	549	14	banking	banking	ADJ
easat-5250	549	15	service	service	NOUN
easat-5250	549	16	quality	quality	NOUN
easat-5250	549	17	and	and	CCONJ
easat-5250	549	18	customer	customer	NOUN
easat-5250	549	19	satisfaction	satisfaction	NOUN
easat-5250	549	20	:	:	PUNCT
easat-5250	549	21	an	an	DET
easat-5250	549	22	exploratory	exploratory	ADJ
easat-5250	549	23	study	study	NOUN
easat-5250	549	24	on	on	ADP
easat-5250	549	25	india	india	PROPN
easat-5250	549	26	,	,	PUNCT
easat-5250	549	27	"	"	PUNCT
easat-5250	549	28	international	international	ADJ
easat-5250	549	29	journal	journal	NOUN
easat-5250	549	30	of	of	ADP
easat-5250	549	31	services	service	NOUN
easat-5250	549	32	and	and	CCONJ
easat-5250	549	33	operations	operation	NOUN
easat-5250	549	34	management	management	NOUN
easat-5250	549	35	,	,	PUNCT
easat-5250	549	36	vol	vol	NOUN
easat-5250	549	37	.	.	PROPN
easat-5250	549	38	35	35	NUM
easat-5250	549	39	,	,	PUNCT
easat-5250	549	40	no	no	INTJ
easat-5250	549	41	.	.	NOUN
easat-5250	549	42	2	2	NUM
easat-5250	549	43	,	,	PUNCT
easat-5250	549	44	pp	pp	ADJ
easat-5250	549	45	.	.	PUNCT
easat-5250	550	1	223	223	NUM
easat-5250	550	2	-	-	SYM
easat-5250	550	3	247	247	NUM
easat-5250	550	4	,	,	PUNCT
easat-5250	550	5	2020	2020	NUM
easat-5250	550	6	.	.	PUNCT
easat-5250	551	1	[	[	X
easat-5250	551	2	41	41	NUM
easat-5250	551	3	]	]	X
easat-5250	551	4	d.	d.	PROPN
easat-5250	551	5	malc	malc	PROPN
easat-5250	551	6	,	,	PUNCT
easat-5250	551	7	j.	j.	PROPN
easat-5250	551	8	dlačić	dlačić	PROPN
easat-5250	551	9	,	,	PUNCT
easat-5250	551	10	a.	a.	NOUN
easat-5250	551	11	pisnik	pisnik	PROPN
easat-5250	551	12	,	,	PUNCT
easat-5250	551	13	and	and	CCONJ
easat-5250	551	14	b.	b.	PROPN
easat-5250	551	15	milfelner	milfelner	PROPN
easat-5250	551	16	,	,	PUNCT
easat-5250	551	17	"	"	PUNCT
easat-5250	551	18	the	the	DET
easat-5250	551	19	development	development	NOUN
easat-5250	551	20	of	of	ADP
easat-5250	551	21	e	e	NOUN
easat-5250	551	22	-	-	ADJ
easat-5250	551	23	banking	banking	ADJ
easat-5250	551	24	services	service	NOUN
easat-5250	551	25	quality	quality	NOUN
easat-5250	551	26	measurement	measurement	NOUN
easat-5250	551	27	instrument	instrument	NOUN
easat-5250	551	28	:	:	PUNCT
easat-5250	551	29	mpqe	mpqe	PROPN
easat-5250	551	30	-	-	PUNCT
easat-5250	551	31	bs	bs	NOUN
easat-5250	551	32	,	,	PUNCT
easat-5250	551	33	"	"	PUNCT
easat-5250	551	34	sustainability	sustainability	NOUN
easat-5250	551	35	,	,	PUNCT
easat-5250	551	36	vol	vol	NOUN
easat-5250	551	37	.	.	PROPN
easat-5250	551	38	15	15	NUM
easat-5250	551	39	,	,	PUNCT
easat-5250	551	40	no	no	INTJ
easat-5250	551	41	.	.	NOUN
easat-5250	551	42	16	16	NUM
easat-5250	551	43	,	,	PUNCT
easat-5250	551	44	p.	p.	NOUN
easat-5250	551	45	12659	12659	NUM
easat-5250	551	46	,	,	PUNCT
easat-5250	551	47	2023	2023	NUM
easat-5250	551	48	.	.	PUNCT
easat-5250	551	49	https://doi.org/10.3390/su151612659	https://doi.org/10.3390/su151612659	X
easat-5250	552	1	[	[	X
easat-5250	552	2	42	42	NUM
easat-5250	552	3	]	]	PUNCT
easat-5250	552	4	r.	r.	PROPN
easat-5250	552	5	r.	r.	PROPN
easat-5250	552	6	ahmed	ahmed	PROPN
easat-5250	552	7	,	,	PUNCT
easat-5250	552	8	g.	g.	PROPN
easat-5250	552	9	romeika	romeika	PROPN
easat-5250	552	10	,	,	PUNCT
easat-5250	552	11	r.	r.	PROPN
easat-5250	552	12	kauliene	kauliene	PROPN
easat-5250	552	13	,	,	PUNCT
easat-5250	552	14	j.	j.	PROPN
easat-5250	552	15	streimikis	streimikis	PROPN
easat-5250	552	16	,	,	PUNCT
easat-5250	552	17	and	and	CCONJ
easat-5250	552	18	r.	r.	PROPN
easat-5250	552	19	dapkus	dapkus	PROPN
easat-5250	552	20	,	,	PUNCT
easat-5250	552	21	"	"	PUNCT
easat-5250	552	22	es	es	ADJ
easat-5250	552	23	-	-	PUNCT
easat-5250	552	24	qual	qual	ADJ
easat-5250	552	25	model	model	NOUN
easat-5250	552	26	and	and	CCONJ
easat-5250	552	27	customer	customer	NOUN
easat-5250	552	28	satisfaction	satisfaction	NOUN
easat-5250	552	29	in	in	ADP
easat-5250	552	30	online	online	ADJ
easat-5250	552	31	banking	banking	NOUN
easat-5250	552	32	:	:	PUNCT
easat-5250	552	33	evidence	evidence	NOUN
easat-5250	552	34	from	from	ADP
easat-5250	552	35	multivariate	multivariate	NOUN
easat-5250	552	36	analysis	analysis	NOUN
easat-5250	552	37	techniques	technique	NOUN
easat-5250	552	38	,	,	PUNCT
easat-5250	552	39	"	"	PUNCT
easat-5250	552	40	oeconomia	oeconomia	NOUN
easat-5250	552	41	copernicana	copernicana	PROPN
easat-5250	552	42	,	,	PUNCT
easat-5250	552	43	vol	vol	NOUN
easat-5250	552	44	.	.	PROPN
easat-5250	552	45	11	11	NUM
easat-5250	552	46	,	,	PUNCT
easat-5250	552	47	no	no	INTJ
easat-5250	552	48	.	.	NOUN
easat-5250	552	49	1	1	NUM
easat-5250	552	50	,	,	PUNCT
easat-5250	552	51	pp	pp	ADJ
easat-5250	552	52	.	.	PUNCT
easat-5250	552	53	59	59	NUM
easat-5250	552	54	-	-	SYM
easat-5250	552	55	93	93	NUM
easat-5250	552	56	,	,	PUNCT
easat-5250	552	57	2020	2020	NUM
easat-5250	552	58	.	.	PUNCT
easat-5250	553	1	https://doi.org/10.24136/oc.2020.003	https://doi.org/10.24136/oc.2020.003	X
easat-5250	554	1	[	[	X
easat-5250	554	2	43	43	NUM
easat-5250	554	3	]	]	PUNCT
easat-5250	554	4	s.	s.	PROPN
easat-5250	554	5	g.	g.	PROPN
easat-5250	554	6	ayinaddis	ayinaddis	PROPN
easat-5250	554	7	,	,	PUNCT
easat-5250	554	8	b.	b.	PROPN
easat-5250	554	9	a.	a.	PROPN
easat-5250	554	10	taye	taye	PROPN
easat-5250	554	11	,	,	PUNCT
easat-5250	554	12	and	and	CCONJ
easat-5250	554	13	b.	b.	PROPN
easat-5250	554	14	g.	g.	PROPN
easat-5250	554	15	yirsaw	yirsaw	PROPN
easat-5250	554	16	,	,	PUNCT
easat-5250	554	17	"	"	PUNCT
easat-5250	554	18	examining	examine	VERB
easat-5250	554	19	the	the	DET
easat-5250	554	20	effect	effect	NOUN
easat-5250	554	21	of	of	ADP
easat-5250	554	22	electronic	electronic	ADJ
easat-5250	554	23	banking	banking	NOUN
easat-5250	554	24	service	service	NOUN
easat-5250	554	25	quality	quality	NOUN
easat-5250	554	26	on	on	ADP
easat-5250	554	27	customer	customer	NOUN
easat-5250	554	28	satisfaction	satisfaction	NOUN
easat-5250	554	29	and	and	CCONJ
easat-5250	554	30	loyalty	loyalty	NOUN
easat-5250	554	31	:	:	PUNCT
easat-5250	554	32	an	an	DET
easat-5250	554	33	implication	implication	NOUN
easat-5250	554	34	for	for	ADP
easat-5250	554	35	technological	technological	ADJ
easat-5250	554	36	innovation	innovation	NOUN
easat-5250	554	37	,	,	PUNCT
easat-5250	554	38	"	"	PUNCT
easat-5250	554	39	journal	journal	NOUN
easat-5250	554	40	of	of	ADP
easat-5250	554	41	innovation	innovation	NOUN
easat-5250	554	42	and	and	CCONJ
easat-5250	554	43	entrepreneurship	entrepreneurship	NOUN
easat-5250	554	44	,	,	PUNCT
easat-5250	554	45	vol	vol	NOUN
easat-5250	554	46	.	.	PROPN
easat-5250	554	47	12	12	NUM
easat-5250	554	48	,	,	PUNCT
easat-5250	554	49	no	no	INTJ
easat-5250	554	50	.	.	NOUN
easat-5250	554	51	1	1	NUM
easat-5250	554	52	,	,	PUNCT
easat-5250	554	53	p.	p.	NOUN
easat-5250	554	54	22	22	NUM
easat-5250	554	55	,	,	PUNCT
easat-5250	554	56	2023	2023	NUM
easat-5250	554	57	.	.	PUNCT
easat-5250	555	1	https://doi.org/10.1186/s13731-023-00287-y	https://doi.org/10.1186/s13731-023-00287-y	NOUN
easat-5250	555	2	[	[	X
easat-5250	555	3	44	44	NUM
easat-5250	555	4	]	]	PUNCT
easat-5250	555	5	m.	m.	NOUN
easat-5250	555	6	c.	c.	PROPN
easat-5250	555	7	o.	o.	PROPN
easat-5250	555	8	mendoza	mendoza	PROPN
easat-5250	555	9	,	,	PUNCT
easat-5250	555	10	r.	r.	PROPN
easat-5250	555	11	r.	r.	PROPN
easat-5250	555	12	c.	c.	PROPN
easat-5250	555	13	santos	santos	PROPN
easat-5250	555	14	,	,	PUNCT
easat-5250	555	15	and	and	CCONJ
easat-5250	555	16	j.	j.	PROPN
easat-5250	555	17	e.	e.	PROPN
easat-5250	555	18	h.	h.	PROPN
easat-5250	555	19	magdaraog	magdaraog	PROPN
easat-5250	555	20	,	,	PUNCT
easat-5250	555	21	"	"	PUNCT
easat-5250	555	22	assessment	assessment	NOUN
easat-5250	555	23	of	of	ADP
easat-5250	555	24	e	e	NOUN
easat-5250	555	25	-	-	NOUN
easat-5250	555	26	service	service	ADJ
easat-5250	555	27	quality	quality	NOUN
easat-5250	555	28	dimensions	dimension	NOUN
easat-5250	555	29	and	and	CCONJ
easat-5250	555	30	its	its	PRON
easat-5250	555	31	influence	influence	NOUN
easat-5250	555	32	on	on	ADP
easat-5250	555	33	customer	customer	NOUN
easat-5250	555	34	satisfaction	satisfaction	NOUN
easat-5250	555	35	:	:	PUNCT
easat-5250	555	36	a	a	DET
easat-5250	555	37	study	study	NOUN
easat-5250	555	38	on	on	ADP
easat-5250	555	39	the	the	DET
easat-5250	555	40	online	online	ADJ
easat-5250	555	41	banking	banking	NOUN
easat-5250	555	42	services	service	NOUN
easat-5250	555	43	in	in	ADP
easat-5250	555	44	the	the	DET
easat-5250	555	45	philippines	philippine	NOUN
easat-5250	555	46	,	,	PUNCT
easat-5250	555	47	"	"	PUNCT
easat-5250	555	48	in	in	ADP
easat-5250	555	49	2020	2020	NUM
easat-5250	555	50	ieee	ieee	NOUN
easat-5250	555	51	7th	7th	ADJ
easat-5250	555	52	international	international	ADJ
easat-5250	555	53	conference	conference	NOUN
easat-5250	555	54	on	on	ADP
easat-5250	555	55	industrial	industrial	ADJ
easat-5250	555	56	engineering	engineering	NOUN
easat-5250	555	57	and	and	CCONJ
easat-5250	555	58	spplications	spplication	NOUN
easat-5250	555	59	(	(	PUNCT
easat-5250	555	60	iciea	iciea	NOUN
easat-5250	555	61	)	)	PUNCT
easat-5250	555	62	,	,	PUNCT
easat-5250	555	63	2020	2020	NUM
easat-5250	555	64	:	:	PUNCT
easat-5250	555	65	ieee	ieee	NOUN
easat-5250	555	66	,	,	PUNCT
easat-5250	555	67	pp	pp	ADJ
easat-5250	555	68	.	.	PUNCT
easat-5250	556	1	1076	1076	NUM
easat-5250	556	2	-	-	SYM
easat-5250	556	3	1081	1081	NUM
easat-5250	556	4	.	.	PUNCT
easat-5250	557	1	[	[	X
easat-5250	557	2	45	45	NUM
easat-5250	557	3	]	]	PUNCT
easat-5250	557	4	m.	m.	NOUN
easat-5250	557	5	m.	m.	PROPN
easat-5250	557	6	mohan	mohan	PROPN
easat-5250	557	7	,	,	PUNCT
easat-5250	557	8	t.	t.	PROPN
easat-5250	557	9	h.	h.	PROPN
easat-5250	557	10	kumar	kumar	PROPN
easat-5250	557	11	,	,	PUNCT
easat-5250	557	12	and	and	CCONJ
easat-5250	557	13	n.	n.	PROPN
easat-5250	557	14	rao	rao	PROPN
easat-5250	557	15	,	,	PUNCT
easat-5250	557	16	factors	factor	NOUN
easat-5250	557	17	influencing	influence	VERB
easat-5250	557	18	customers	customer	NOUN
easat-5250	557	19	to	to	PART
easat-5250	557	20	use	use	VERB
easat-5250	557	21	digital	digital	ADJ
easat-5250	557	22	banking	banking	NOUN
easat-5250	557	23	services	service	NOUN
easat-5250	557	24	in	in	ADP
easat-5250	557	25	twin	twin	ADJ
easat-5250	557	26	cities	city	NOUN
easat-5250	557	27	of	of	ADP
easat-5250	557	28	telangana	telangana	PROPN
easat-5250	557	29	state	state	PROPN
easat-5250	557	30	.	.	PUNCT
easat-5250	558	1	turkey	turkey	PROPN
easat-5250	558	2	:	:	PUNCT
easat-5250	558	3	badebio	badebio	PROPN
easat-5250	558	4	biotechnology	biotechnology	PROPN
easat-5250	558	5	ltd	ltd	PROPN
easat-5250	558	6	,	,	PUNCT
easat-5250	558	7	2021	2021	NUM
easat-5250	558	8	.	.	PUNCT
easat-5250	559	1	[	[	X
easat-5250	559	2	46	46	NUM
easat-5250	559	3	]	]	PUNCT
easat-5250	559	4	a.	a.	NOUN
easat-5250	559	5	tahtamouni	tahtamouni	PROPN
easat-5250	559	6	,	,	PUNCT
easat-5250	559	7	"	"	PUNCT
easat-5250	559	8	e	e	NOUN
easat-5250	559	9	-	-	NOUN
easat-5250	559	10	banking	banking	ADJ
easat-5250	559	11	services	service	NOUN
easat-5250	559	12	and	and	CCONJ
easat-5250	559	13	the	the	DET
easat-5250	559	14	satisfaction	satisfaction	NOUN
easat-5250	559	15	of	of	ADP
easat-5250	559	16	customers	customer	NOUN
easat-5250	559	17	in	in	ADP
easat-5250	559	18	the	the	DET
easat-5250	559	19	jordanian	jordanian	ADJ
easat-5250	559	20	banks	bank	NOUN
easat-5250	559	21	,	,	PUNCT
easat-5250	559	22	"	"	PUNCT
easat-5250	559	23	journal	journal	NOUN
easat-5250	559	24	of	of	ADP
easat-5250	559	25	science	science	NOUN
easat-5250	559	26	and	and	CCONJ
easat-5250	559	27	technology	technology	NOUN
easat-5250	559	28	policy	policy	NOUN
easat-5250	559	29	management	management	NOUN
easat-5250	559	30	,	,	PUNCT
easat-5250	559	31	vol	vol	NOUN
easat-5250	559	32	.	.	PROPN
easat-5250	559	33	14	14	NUM
easat-5250	559	34	,	,	PUNCT
easat-5250	559	35	no	no	INTJ
easat-5250	559	36	.	.	NOUN
easat-5250	559	37	6	6	NUM
easat-5250	559	38	,	,	PUNCT
easat-5250	559	39	pp	pp	ADJ
easat-5250	559	40	.	.	PUNCT
easat-5250	560	1	1037	1037	NUM
easat-5250	560	2	-	-	SYM
easat-5250	560	3	1054	1054	NUM
easat-5250	560	4	,	,	PUNCT
easat-5250	560	5	2023	2023	NUM
easat-5250	560	6	.	.	PUNCT
easat-5250	560	7	https://doi.org/10.1108/jstpm-06-2021-0082	https://doi.org/10.1108/jstpm-06-2021-0082	PROPN
easat-5250	561	1	[	[	X
easat-5250	561	2	47	47	NUM
easat-5250	561	3	]	]	PUNCT
easat-5250	561	4	r.	r.	PROPN
easat-5250	561	5	patel	patel	PROPN
easat-5250	561	6	,	,	PUNCT
easat-5250	561	7	a.	a.	PROPN
easat-5250	561	8	k.	k.	PROPN
easat-5250	561	9	mishra	mishra	PROPN
easat-5250	561	10	,	,	PUNCT
easat-5250	561	11	m.	m.	PROPN
easat-5250	561	12	z.	z.	PROPN
easat-5250	561	13	chishti	chishti	PROPN
easat-5250	561	14	,	,	PUNCT
easat-5250	561	15	and	and	CCONJ
easat-5250	561	16	t.	t.	PROPN
easat-5250	561	17	m.	m.	PROPN
easat-5250	561	18	modi	modi	PROPN
easat-5250	561	19	,	,	PUNCT
easat-5250	561	20	"	"	PUNCT
easat-5250	561	21	relationship	relationship	NOUN
easat-5250	561	22	between	between	ADP
easat-5250	561	23	internet	internet	NOUN
easat-5250	561	24	banking	banking	NOUN
easat-5250	561	25	service	service	NOUN
easat-5250	561	26	quality	quality	NOUN
easat-5250	561	27	,	,	PUNCT
easat-5250	561	28	ecustomer	ecustomer	NOUN
easat-5250	561	29	satisfaction	satisfaction	NOUN
easat-5250	561	30	,	,	PUNCT
easat-5250	561	31	and	and	CCONJ
easat-5250	561	32	loyalty	loyalty	NOUN
easat-5250	561	33	:	:	PUNCT
easat-5250	561	34	a	a	DET
easat-5250	561	35	comparative	comparative	ADJ
easat-5250	561	36	study	study	NOUN
easat-5250	561	37	of	of	ADP
easat-5250	561	38	india	india	PROPN
easat-5250	561	39	and	and	CCONJ
easat-5250	561	40	pakistan	pakistan	PROPN
easat-5250	561	41	,	,	PUNCT
easat-5250	561	42	"	"	PUNCT
easat-5250	561	43	journal	journal	NOUN
easat-5250	561	44	of	of	ADP
easat-5250	561	45	central	central	ADJ
easat-5250	561	46	banking	banking	NOUN
easat-5250	561	47	theory	theory	NOUN
easat-5250	561	48	and	and	CCONJ
easat-5250	561	49	practice	practice	NOUN
easat-5250	561	50	,	,	PUNCT
easat-5250	561	51	vol	vol	NOUN
easat-5250	561	52	.	.	PROPN
easat-5250	561	53	13	13	NUM
easat-5250	561	54	,	,	PUNCT
easat-5250	561	55	no	no	INTJ
easat-5250	561	56	.	.	NOUN
easat-5250	561	57	2	2	NUM
easat-5250	561	58	,	,	PUNCT
easat-5250	561	59	pp	pp	ADJ
easat-5250	561	60	.	.	PUNCT
easat-5250	562	1	213	213	NUM
easat-5250	562	2	-	-	SYM
easat-5250	562	3	228	228	NUM
easat-5250	562	4	,	,	PUNCT
easat-5250	562	5	2024	2024	NUM
easat-5250	562	6	.	.	PUNCT
easat-5250	563	1	https://doi.org/10.2478/jcbtp-2024-0019	https://doi.org/10.2478/jcbtp-2024-0019	PROPN
easat-5250	563	2	[	[	X
easat-5250	563	3	48	48	NUM
easat-5250	563	4	]	]	PUNCT
easat-5250	563	5	e.	e.	PROPN
easat-5250	563	6	r.	r.	PROPN
easat-5250	563	7	indriyarti	indriyarti	PROPN
easat-5250	563	8	,	,	PUNCT
easat-5250	563	9	m.	m.	NOUN
easat-5250	563	10	christian	christian	PROPN
easat-5250	563	11	,	,	PUNCT
easat-5250	563	12	h.	h.	PROPN
easat-5250	563	13	yulita	yulita	PROPN
easat-5250	563	14	,	,	PUNCT
easat-5250	563	15	t.	t.	PROPN
easat-5250	563	16	aryati	aryati	PROPN
easat-5250	563	17	,	,	PUNCT
easat-5250	563	18	and	and	CCONJ
easat-5250	563	19	r.	r.	PROPN
easat-5250	563	20	j.	j.	PROPN
easat-5250	563	21	arsjah	arsjah	PROPN
easat-5250	563	22	,	,	PUNCT
easat-5250	563	23	"	"	PUNCT
easat-5250	563	24	digital	digital	ADJ
easat-5250	563	25	bank	bank	NOUN
easat-5250	563	26	channel	channel	NOUN
easat-5250	563	27	distribution	distribution	NOUN
easat-5250	563	28	:	:	PUNCT
easat-5250	563	29	predictors	predictor	NOUN
easat-5250	563	30	of	of	ADP
easat-5250	563	31	usage	usage	NOUN
easat-5250	563	32	attitudes	attitude	NOUN
easat-5250	563	33	in	in	ADP
easat-5250	563	34	jakarta	jakarta	PROPN
easat-5250	563	35	's	's	PART
easat-5250	563	36	gen	gen	PROPN
easat-5250	563	37	z	z	PROPN
easat-5250	563	38	,	,	PUNCT
easat-5250	563	39	"	"	PUNCT
easat-5250	563	40	journal	journal	NOUN
easat-5250	563	41	of	of	ADP
easat-5250	563	42	distribution	distribution	NOUN
easat-5250	563	43	science	science	NOUN
easat-5250	563	44	,	,	PUNCT
easat-5250	563	45	vol	vol	NOUN
easat-5250	563	46	.	.	PROPN
easat-5250	563	47	21	21	NUM
easat-5250	563	48	,	,	PUNCT
easat-5250	563	49	no	no	INTJ
easat-5250	563	50	.	.	NOUN
easat-5250	563	51	2	2	NUM
easat-5250	563	52	,	,	PUNCT
easat-5250	563	53	pp	pp	ADJ
easat-5250	563	54	.	.	PUNCT
easat-5250	564	1	21	21	NUM
easat-5250	564	2	-	-	SYM
easat-5250	564	3	34	34	NUM
easat-5250	564	4	,	,	PUNCT
easat-5250	564	5	2023	2023	NUM
easat-5250	564	6	.	.	PUNCT
easat-5250	565	1	[	[	X
easat-5250	565	2	49	49	NUM
easat-5250	565	3	]	]	PUNCT
easat-5250	565	4	m.	m.	NOUN
easat-5250	565	5	merhi	merhi	PROPN
easat-5250	565	6	,	,	PUNCT
easat-5250	565	7	k.	k.	PROPN
easat-5250	565	8	hone	hone	PROPN
easat-5250	565	9	,	,	PUNCT
easat-5250	565	10	a.	a.	NOUN
easat-5250	565	11	tarhini	tarhini	NOUN
easat-5250	565	12	,	,	PUNCT
easat-5250	565	13	and	and	CCONJ
easat-5250	565	14	n.	n.	PROPN
easat-5250	565	15	ameen	ameen	PROPN
easat-5250	565	16	,	,	PUNCT
easat-5250	565	17	"	"	PUNCT
easat-5250	565	18	an	an	DET
easat-5250	565	19	empirical	empirical	ADJ
easat-5250	565	20	examination	examination	NOUN
easat-5250	565	21	of	of	ADP
easat-5250	565	22	the	the	DET
easat-5250	565	23	moderating	moderate	VERB
easat-5250	565	24	role	role	NOUN
easat-5250	565	25	of	of	ADP
easat-5250	565	26	age	age	NOUN
easat-5250	565	27	and	and	CCONJ
easat-5250	565	28	gender	gender	NOUN
easat-5250	565	29	in	in	ADP
easat-5250	565	30	consumer	consumer	NOUN
easat-5250	565	31	mobile	mobile	ADJ
easat-5250	565	32	banking	banking	NOUN
easat-5250	565	33	use	use	NOUN
easat-5250	565	34	:	:	PUNCT
easat-5250	565	35	a	a	DET
easat-5250	565	36	cross	cross	ADJ
easat-5250	565	37	-	-	ADJ
easat-5250	565	38	national	national	ADJ
easat-5250	565	39	,	,	PUNCT
easat-5250	565	40	quantitative	quantitative	ADJ
easat-5250	565	41	study	study	NOUN
easat-5250	565	42	,	,	PUNCT
easat-5250	565	43	"	"	PUNCT
easat-5250	565	44	journal	journal	NOUN
easat-5250	565	45	of	of	ADP
easat-5250	565	46	enterprise	enterprise	NOUN
easat-5250	565	47	information	information	NOUN
easat-5250	565	48	management	management	NOUN
easat-5250	565	49	,	,	PUNCT
easat-5250	565	50	vol	vol	NOUN
easat-5250	565	51	.	.	PROPN
easat-5250	565	52	34	34	NUM
easat-5250	565	53	,	,	PUNCT
easat-5250	565	54	no	no	INTJ
easat-5250	565	55	.	.	NOUN
easat-5250	565	56	4	4	NUM
easat-5250	565	57	,	,	PUNCT
easat-5250	565	58	pp	pp	ADJ
easat-5250	565	59	.	.	PUNCT
easat-5250	566	1	1144	1144	NUM
easat-5250	566	2	-	-	SYM
easat-5250	566	3	1168	1168	NUM
easat-5250	566	4	,	,	PUNCT
easat-5250	566	5	2021	2021	NUM
easat-5250	566	6	.	.	PUNCT
easat-5250	567	1	https://doi.org/10.1108/jeim-03-2020-0092	https://doi.org/10.1108/jeim-03-2020-0092	VERB
easat-5250	568	1	[	[	X
easat-5250	568	2	50	50	NUM
easat-5250	568	3	]	]	PUNCT
easat-5250	568	4	a.	a.	PROPN
easat-5250	568	5	k.	k.	PROPN
easat-5250	568	6	kar	kar	PROPN
easat-5250	568	7	,	,	PUNCT
easat-5250	568	8	"	"	PUNCT
easat-5250	568	9	what	what	PRON
easat-5250	568	10	affects	affect	VERB
easat-5250	568	11	usage	usage	NOUN
easat-5250	568	12	satisfaction	satisfaction	NOUN
easat-5250	568	13	in	in	ADP
easat-5250	568	14	mobile	mobile	ADJ
easat-5250	568	15	payments	payment	NOUN
easat-5250	568	16	?	?	PUNCT
easat-5250	569	1	modelling	model	VERB
easat-5250	569	2	user	user	NOUN
easat-5250	569	3	generated	generate	VERB
easat-5250	569	4	content	content	NOUN
easat-5250	569	5	to	to	PART
easat-5250	569	6	develop	develop	VERB
easat-5250	569	7	the	the	DET
easat-5250	569	8	“	"	PUNCT
easat-5250	569	9	digital	digital	ADJ
easat-5250	569	10	service	service	NOUN
easat-5250	569	11	usage	usage	NOUN
easat-5250	569	12	satisfaction	satisfaction	NOUN
easat-5250	569	13	model	model	NOUN
easat-5250	569	14	”	"	PUNCT
easat-5250	569	15	,	,	PUNCT
easat-5250	569	16	"	"	PUNCT
easat-5250	569	17	information	information	NOUN
easat-5250	569	18	systems	system	NOUN
easat-5250	569	19	frontiers	frontier	NOUN
easat-5250	569	20	,	,	PUNCT
easat-5250	569	21	vol	vol	NOUN
easat-5250	569	22	.	.	PROPN
easat-5250	570	1	23	23	NUM
easat-5250	570	2	,	,	PUNCT
easat-5250	570	3	no	no	INTJ
easat-5250	570	4	.	.	NOUN
easat-5250	570	5	5	5	NUM
easat-5250	570	6	,	,	PUNCT
easat-5250	570	7	pp	pp	ADJ
easat-5250	570	8	.	.	PUNCT
easat-5250	571	1	1341	1341	NUM
easat-5250	571	2	-	-	SYM
easat-5250	571	3	1361	1361	NUM
easat-5250	571	4	,	,	PUNCT
easat-5250	571	5	2021	2021	NUM
easat-5250	571	6	.	.	PUNCT
easat-5250	572	1	https://doi.org/10.1007/s10796-020-10045-0	https://doi.org/10.1007/s10796-020-10045-0	NUM
easat-5250	573	1	[	[	SYM
easat-5250	573	2	51	51	NUM
easat-5250	573	3	]	]	PUNCT
easat-5250	573	4	h.	h.	PROPN
easat-5250	573	5	beyari	beyari	PROPN
easat-5250	573	6	,	,	PUNCT
easat-5250	573	7	"	"	PUNCT
easat-5250	573	8	the	the	DET
easat-5250	573	9	role	role	NOUN
easat-5250	573	10	of	of	ADP
easat-5250	573	11	trust	trust	NOUN
easat-5250	573	12	and	and	CCONJ
easat-5250	573	13	its	its	PRON
easat-5250	573	14	impacts	impact	NOUN
easat-5250	573	15	on	on	ADP
easat-5250	573	16	consumer	consumer	NOUN
easat-5250	573	17	satisfaction	satisfaction	NOUN
easat-5250	573	18	in	in	ADP
easat-5250	573	19	the	the	DET
easat-5250	573	20	context	context	NOUN
easat-5250	573	21	of	of	ADP
easat-5250	573	22	social	social	ADJ
easat-5250	573	23	commerce	commerce	NOUN
easat-5250	573	24	,	,	PUNCT
easat-5250	573	25	"	"	PUNCT
easat-5250	573	26	retrieved	retrieve	VERB
easat-5250	573	27	:	:	PUNCT
easat-5250	573	28	https://www.researchgate.net/publication/344457974	https://www.researchgate.net/publication/344457974	NOUN
easat-5250	573	29	,	,	PUNCT
easat-5250	573	30	2020	2020	NUM
easat-5250	573	31	.	.	PUNCT
easat-5250	574	1	[	[	X
easat-5250	574	2	52	52	NUM
easat-5250	574	3	]	]	PUNCT
easat-5250	574	4	c.	c.	PROPN
easat-5250	574	5	i.	i.	PROPN
easat-5250	574	6	mbama	mbama	PROPN
easat-5250	574	7	and	and	CCONJ
easat-5250	574	8	p.	p.	PROPN
easat-5250	574	9	o.	o.	PROPN
easat-5250	574	10	ezepue	ezepue	PROPN
easat-5250	574	11	,	,	PUNCT
easat-5250	574	12	"	"	PUNCT
easat-5250	574	13	digital	digital	ADJ
easat-5250	574	14	banking	banking	NOUN
easat-5250	574	15	,	,	PUNCT
easat-5250	574	16	customer	customer	NOUN
easat-5250	574	17	experience	experience	NOUN
easat-5250	574	18	and	and	CCONJ
easat-5250	574	19	bank	bank	NOUN
easat-5250	574	20	financial	financial	ADJ
easat-5250	574	21	performance	performance	NOUN
easat-5250	574	22	:	:	PUNCT
easat-5250	574	23	uk	uk	PROPN
easat-5250	574	24	customers	customer	NOUN
easat-5250	574	25	’	’	PART
easat-5250	574	26	perceptions	perception	NOUN
easat-5250	574	27	,	,	PUNCT
easat-5250	574	28	"	"	PUNCT
easat-5250	574	29	international	international	ADJ
easat-5250	574	30	journal	journal	NOUN
easat-5250	574	31	of	of	ADP
easat-5250	574	32	bank	bank	PROPN
easat-5250	574	33	marketing	marketing	NOUN
easat-5250	574	34	,	,	PUNCT
easat-5250	574	35	vol	vol	NOUN
easat-5250	574	36	.	.	PROPN
easat-5250	574	37	36	36	NUM
easat-5250	574	38	,	,	PUNCT
easat-5250	574	39	no	no	INTJ
easat-5250	574	40	.	.	NOUN
easat-5250	574	41	2	2	NUM
easat-5250	574	42	,	,	PUNCT
easat-5250	574	43	pp	pp	ADJ
easat-5250	574	44	.	.	PUNCT
easat-5250	575	1	230	230	NUM
easat-5250	575	2	-	-	SYM
easat-5250	575	3	255	255	NUM
easat-5250	575	4	,	,	PUNCT
easat-5250	575	5	2018	2018	NUM
easat-5250	575	6	.	.	PUNCT
easat-5250	576	1	https://doi.org/10.1108/ijbm-11-2016-0181	https://doi.org/10.1108/ijbm-11-2016-0181	NOUN
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easat-5250	576	4	https://doi.org/10.1057/s41599-024-03184-1	https://doi.org/10.1057/s41599-024-03184-1	NUM
easat-5250	577	1	https://doi.org/10.3390/su141711043	https://doi.org/10.3390/su141711043	NOUN
easat-5250	577	2	https://doi.org/10.1111/1758-5899.13313	https://doi.org/10.1111/1758-5899.13313	PROPN
easat-5250	577	3	https://doi.org/10.5897/ajmm2020.0651	https://doi.org/10.5897/ajmm2020.0651	NOUN
easat-5250	577	4	https://doi.org/10.1186/s13731-021-00151-x	https://doi.org/10.1186/s13731-021-00151-x	PROPN
easat-5250	577	5	https://doi.org/10.1080/23311975.2022.2143017	https://doi.org/10.1080/23311975.2022.2143017	ADV
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easat-5250	577	7	https://doi.org/10.24136/oc.2020.003	https://doi.org/10.24136/oc.2020.003	X
easat-5250	577	8	https://doi.org/10.1186/s13731-023-00287-y	https://doi.org/10.1186/s13731-023-00287-y	PROPN
easat-5250	577	9	https://doi.org/10.1108/jstpm-06-2021-0082	https://doi.org/10.1108/jstpm-06-2021-0082	PROPN
easat-5250	577	10	https://doi.org/10.2478/jcbtp-2024-0019	https://doi.org/10.2478/jcbtp-2024-0019	PROPN
easat-5250	577	11	https://doi.org/10.1108/jeim-03-2020-0092	https://doi.org/10.1108/jeim-03-2020-0092	VERB
easat-5250	577	12	https://doi.org/10.1007/s10796-020-10045-0	https://doi.org/10.1007/s10796-020-10045-0	NUM
easat-5250	578	1	https://www.researchgate.net/publication/344457974	https://www.researchgate.net/publication/344457974	VERB
easat-5250	578	2	https://doi.org/10.1108/ijbm-11-2016-0181	https://doi.org/10.1108/ijbm-11-2016-0181	PROPN
easat-5250	578	3	510	510	NUM
easat-5250	578	4	edelweiss	edelweiss	PROPN
easat-5250	578	5	applied	apply	VERB
easat-5250	578	6	science	science	NOUN
easat-5250	578	7	and	and	CCONJ
easat-5250	578	8	technology	technology	NOUN
easat-5250	578	9	issn	issn	PROPN
easat-5250	578	10	:	:	PUNCT
easat-5250	578	11	2576	2576	NUM
easat-5250	578	12	-	-	SYM
easat-5250	578	13	8484	8484	NUM
easat-5250	578	14	vol	vol	NOUN
easat-5250	578	15	.	.	PROPN
easat-5250	579	1	9	9	NUM
easat-5250	579	2	,	,	PUNCT
easat-5250	579	3	no	no	INTJ
easat-5250	579	4	.	.	NOUN
easat-5250	580	1	3	3	NUM
easat-5250	580	2	:	:	PUNCT
easat-5250	580	3	489	489	NUM
easat-5250	580	4	-	-	SYM
easat-5250	580	5	510	510	NUM
easat-5250	580	6	,	,	PUNCT
easat-5250	580	7	2025	2025	NUM
easat-5250	580	8	doi	doi	NOUN
easat-5250	580	9	:	:	PUNCT
easat-5250	580	10	10.55214/25768484.v9i3.5250	10.55214/25768484.v9i3.5250	NUM
easat-5250	580	11	©	©	PROPN
easat-5250	580	12	2025	2025	NUM
easat-5250	580	13	by	by	ADP
easat-5250	580	14	the	the	DET
easat-5250	580	15	authors	author	NOUN
easat-5250	580	16	;	;	PUNCT
easat-5250	580	17	licensee	licensee	PROPN
easat-5250	580	18	learning	learning	NOUN
easat-5250	580	19	gate	gate	NOUN
easat-5250	581	1	[	[	X
easat-5250	581	2	53	53	NUM
easat-5250	581	3	]	]	PUNCT
easat-5250	581	4	e.	e.	PROPN
easat-5250	581	5	melinda	melinda	PROPN
easat-5250	581	6	,	,	PUNCT
easat-5250	581	7	o.	o.	PROPN
easat-5250	581	8	usman	usman	PROPN
easat-5250	581	9	,	,	PUNCT
easat-5250	581	10	and	and	CCONJ
easat-5250	581	11	s.	s.	PROPN
easat-5250	581	12	aditya	aditya	PROPN
easat-5250	581	13	,	,	PUNCT
easat-5250	581	14	"	"	PUNCT
easat-5250	581	15	the	the	DET
easat-5250	581	16	effect	effect	NOUN
easat-5250	581	17	of	of	ADP
easat-5250	581	18	e	e	NOUN
easat-5250	581	19	-	-	NOUN
easat-5250	581	20	service	service	ADJ
easat-5250	581	21	quality	quality	NOUN
easat-5250	581	22	and	and	CCONJ
easat-5250	581	23	e	e	NOUN
easat-5250	581	24	-	-	NOUN
easat-5250	581	25	trust	trust	NOUN
easat-5250	581	26	on	on	ADP
easat-5250	581	27	e	e	NOUN
easat-5250	581	28	-	-	NOUN
easat-5250	581	29	loyalty	loyalty	NOUN
easat-5250	581	30	with	with	ADP
easat-5250	581	31	e	e	NOUN
easat-5250	581	32	-	-	NOUN
easat-5250	581	33	satisfaction	satisfaction	NOUN
easat-5250	581	34	as	as	ADP
easat-5250	581	35	an	an	DET
easat-5250	581	36	intervening	intervening	NOUN
easat-5250	581	37	for	for	ADP
easat-5250	581	38	mobile	mobile	ADJ
easat-5250	581	39	banking	banking	NOUN
easat-5250	581	40	user	user	NOUN
easat-5250	581	41	,	,	PUNCT
easat-5250	581	42	"	"	PUNCT
easat-5250	581	43	retrieved	retrieve	VERB
easat-5250	581	44	:	:	PUNCT
easat-5250	581	45	http://journal.unj.ac.id/unj/index.php/jdmb	http://journal.unj.ac.id/unj/index.php/jdmb	ADJ
easat-5250	581	46	,	,	PUNCT
easat-5250	581	47	2023	2023	NUM
easat-5250	581	48	.	.	PUNCT
easat-5250	582	1	[	[	X
easat-5250	582	2	54	54	NUM
easat-5250	582	3	]	]	PUNCT
easat-5250	582	4	s.	s.	PROPN
easat-5250	582	5	k.	k.	PROPN
easat-5250	582	6	taken	take	VERB
easat-5250	582	7	,	,	PUNCT
easat-5250	582	8	"	"	PUNCT
easat-5250	582	9	longitudinal	longitudinal	ADJ
easat-5250	582	10	study	study	NOUN
easat-5250	582	11	of	of	ADP
easat-5250	582	12	digital	digital	ADJ
easat-5250	582	13	marketing	marketing	NOUN
easat-5250	582	14	strategies	strategy	NOUN
easat-5250	582	15	targeting	target	VERB
easat-5250	582	16	millennials	millennial	NOUN
easat-5250	582	17	,	,	PUNCT
easat-5250	582	18	"	"	PUNCT
easat-5250	582	19	journal	journal	NOUN
easat-5250	582	20	of	of	ADP
easat-5250	582	21	consumer	consumer	NOUN
easat-5250	582	22	marketing	marketing	NOUN
easat-5250	582	23	,	,	PUNCT
easat-5250	582	24	vol	vol	NOUN
easat-5250	582	25	.	.	PROPN
easat-5250	582	26	29	29	NUM
easat-5250	582	27	,	,	PUNCT
easat-5250	582	28	no	no	INTJ
easat-5250	582	29	.	.	NOUN
easat-5250	582	30	2	2	NUM
easat-5250	582	31	,	,	PUNCT
easat-5250	582	32	pp	pp	ADJ
easat-5250	582	33	.	.	PUNCT
easat-5250	583	1	86	86	NUM
easat-5250	583	2	-	-	SYM
easat-5250	583	3	92	92	NUM
easat-5250	583	4	,	,	PUNCT
easat-5250	583	5	2012	2012	NUM
easat-5250	583	6	.	.	PUNCT
easat-5250	584	1	https://doi.org/10.1108/07363761211206339	https://doi.org/10.1108/07363761211206339	X
easat-5250	585	1	[	[	X
easat-5250	585	2	55	55	NUM
easat-5250	585	3	]	]	SYM
easat-5250	585	4	j.-m	j.-m	NOUN
easat-5250	585	5	.	.	PUNCT
easat-5250	586	1	lee	lee	PROPN
easat-5250	586	2	and	and	CCONJ
easat-5250	586	3	h.-j	h.-j	PROPN
easat-5250	586	4	.	.	PUNCT
easat-5250	587	1	kim	kim	PROPN
easat-5250	587	2	,	,	PUNCT
easat-5250	587	3	"	"	PUNCT
easat-5250	587	4	determinants	determinant	NOUN
easat-5250	587	5	of	of	ADP
easat-5250	587	6	adoption	adoption	NOUN
easat-5250	587	7	and	and	CCONJ
easat-5250	587	8	continuance	continuance	NOUN
easat-5250	587	9	intentions	intention	NOUN
easat-5250	587	10	toward	toward	ADP
easat-5250	587	11	internet	internet	NOUN
easat-5250	587	12	-	-	PUNCT
easat-5250	587	13	only	only	ADJ
easat-5250	587	14	banks	bank	NOUN
easat-5250	587	15	,	,	PUNCT
easat-5250	587	16	"	"	PUNCT
easat-5250	587	17	international	international	ADJ
easat-5250	587	18	journal	journal	NOUN
easat-5250	587	19	of	of	ADP
easat-5250	587	20	bank	bank	PROPN
easat-5250	587	21	marketing	marketing	NOUN
easat-5250	587	22	,	,	PUNCT
easat-5250	587	23	vol	vol	NOUN
easat-5250	587	24	.	.	PROPN
easat-5250	587	25	38	38	NUM
easat-5250	587	26	,	,	PUNCT
easat-5250	587	27	no	no	INTJ
easat-5250	587	28	.	.	NOUN
easat-5250	587	29	4	4	NUM
easat-5250	587	30	,	,	PUNCT
easat-5250	587	31	pp	pp	ADJ
easat-5250	587	32	.	.	PUNCT
easat-5250	588	1	943	943	NUM
easat-5250	588	2	-	-	SYM
easat-5250	588	3	965	965	NUM
easat-5250	588	4	,	,	PUNCT
easat-5250	588	5	2020	2020	NUM
easat-5250	588	6	.	.	PUNCT
easat-5250	589	1	[	[	X
easat-5250	589	2	56	56	NUM
easat-5250	589	3	]	]	PUNCT
easat-5250	589	4	j.	j.	PROPN
easat-5250	589	5	f.	f.	PROPN
easat-5250	589	6	hair	hair	PROPN
easat-5250	589	7	,	,	PUNCT
easat-5250	589	8	j.	j.	PROPN
easat-5250	589	9	j.	j.	PROPN
easat-5250	589	10	risher	risher	PROPN
easat-5250	589	11	,	,	PUNCT
easat-5250	589	12	m.	m.	NOUN
easat-5250	589	13	sarstedt	sarstedt	NOUN
easat-5250	589	14	,	,	PUNCT
easat-5250	589	15	and	and	CCONJ
easat-5250	589	16	c.	c.	PROPN
easat-5250	589	17	m.	m.	PROPN
easat-5250	589	18	ringle	ringle	PROPN
easat-5250	589	19	,	,	PUNCT
easat-5250	589	20	"	"	PUNCT
easat-5250	589	21	when	when	SCONJ
easat-5250	589	22	to	to	PART
easat-5250	589	23	use	use	VERB
easat-5250	589	24	and	and	CCONJ
easat-5250	589	25	how	how	SCONJ
easat-5250	589	26	to	to	PART
easat-5250	589	27	report	report	VERB
easat-5250	589	28	the	the	DET
easat-5250	589	29	results	result	NOUN
easat-5250	589	30	of	of	ADP
easat-5250	589	31	pls	pls	NOUN
easat-5250	589	32	-	-	PUNCT
easat-5250	589	33	sem	sem	NOUN
easat-5250	589	34	,	,	PUNCT
easat-5250	589	35	"	"	PUNCT
easat-5250	589	36	european	european	PROPN
easat-5250	589	37	business	business	PROPN
easat-5250	589	38	review	review	PROPN
easat-5250	589	39	,	,	PUNCT
easat-5250	589	40	vol	vol	NOUN
easat-5250	589	41	.	.	PROPN
easat-5250	589	42	31	31	NUM
easat-5250	589	43	,	,	PUNCT
easat-5250	589	44	no	no	INTJ
easat-5250	589	45	.	.	NOUN
easat-5250	589	46	1	1	NUM
easat-5250	589	47	,	,	PUNCT
easat-5250	589	48	pp	pp	ADJ
easat-5250	589	49	.	.	PUNCT
easat-5250	590	1	2	2	NUM
easat-5250	590	2	-	-	SYM
easat-5250	590	3	24	24	NUM
easat-5250	590	4	,	,	PUNCT
easat-5250	590	5	2019	2019	NUM
easat-5250	590	6	.	.	PUNCT
easat-5250	591	1	https://doi.org/10.1108/ebr-11-2018-0203	https://doi.org/10.1108/ebr-11-2018-0203	X
easat-5250	592	1	[	[	X
easat-5250	592	2	57	57	NUM
easat-5250	592	3	]	]	PUNCT
easat-5250	592	4	j.	j.	PROPN
easat-5250	592	5	f.	f.	PROPN
easat-5250	592	6	hair	hair	PROPN
easat-5250	592	7	,	,	PUNCT
easat-5250	592	8	m.	m.	NOUN
easat-5250	592	9	sarstedt	sarstedt	NOUN
easat-5250	592	10	,	,	PUNCT
easat-5250	592	11	c.	c.	PROPN
easat-5250	592	12	m.	m.	PROPN
easat-5250	592	13	ringle	ringle	PROPN
easat-5250	592	14	,	,	PUNCT
easat-5250	592	15	and	and	CCONJ
easat-5250	592	16	j.	j.	PROPN
easat-5250	592	17	a.	a.	PROPN
easat-5250	592	18	mena	mena	PROPN
easat-5250	592	19	,	,	PUNCT
easat-5250	592	20	"	"	PUNCT
easat-5250	592	21	an	an	DET
easat-5250	592	22	assessment	assessment	NOUN
easat-5250	592	23	of	of	ADP
easat-5250	592	24	the	the	DET
easat-5250	592	25	use	use	NOUN
easat-5250	592	26	of	of	ADP
easat-5250	592	27	partial	partial	ADJ
easat-5250	592	28	least	least	ADJ
easat-5250	592	29	squares	square	NOUN
easat-5250	592	30	structural	structural	ADJ
easat-5250	592	31	equation	equation	NOUN
easat-5250	592	32	modeling	modeling	NOUN
easat-5250	592	33	in	in	ADP
easat-5250	592	34	marketing	marketing	NOUN
easat-5250	592	35	research	research	NOUN
easat-5250	592	36	,	,	PUNCT
easat-5250	592	37	"	"	PUNCT
easat-5250	592	38	journal	journal	NOUN
easat-5250	592	39	of	of	ADP
easat-5250	592	40	the	the	DET
easat-5250	592	41	academy	academy	NOUN
easat-5250	592	42	of	of	ADP
easat-5250	592	43	marketing	marketing	NOUN
easat-5250	592	44	science	science	NOUN
easat-5250	592	45	,	,	PUNCT
easat-5250	592	46	vol	vol	NOUN
easat-5250	592	47	.	.	PROPN
easat-5250	592	48	40	40	NUM
easat-5250	592	49	,	,	PUNCT
easat-5250	592	50	pp	pp	ADJ
easat-5250	592	51	.	.	PUNCT
easat-5250	593	1	414	414	NUM
easat-5250	593	2	-	-	SYM
easat-5250	593	3	433	433	NUM
easat-5250	593	4	,	,	PUNCT
easat-5250	593	5	2012	2012	NUM
easat-5250	593	6	.	.	PUNCT
easat-5250	594	1	https://doi.org/10.1007/s11747-011-0261-6	https://doi.org/10.1007/s11747-011-0261-6	PUNCT
easat-5250	595	1	[	[	X
easat-5250	595	2	58	58	NUM
easat-5250	595	3	]	]	PUNCT
easat-5250	595	4	j.	j.	PROPN
easat-5250	595	5	f.	f.	PROPN
easat-5250	595	6	hair	hair	PROPN
easat-5250	595	7	,	,	PUNCT
easat-5250	595	8	g.	g.	PROPN
easat-5250	595	9	tomas	tomas	PROPN
easat-5250	595	10	,	,	PUNCT
easat-5250	595	11	m.	m.	NOUN
easat-5250	595	12	hult	hult	PROPN
easat-5250	595	13	,	,	PUNCT
easat-5250	595	14	c.	c.	PROPN
easat-5250	595	15	m.	m.	PROPN
easat-5250	595	16	ringle	ringle	PROPN
easat-5250	595	17	,	,	PUNCT
easat-5250	595	18	and	and	CCONJ
easat-5250	595	19	m.	m.	NOUN
easat-5250	595	20	sarstedt	sarstedt	NOUN
easat-5250	595	21	,	,	PUNCT
easat-5250	595	22	"	"	PUNCT
easat-5250	595	23	a	a	DET
easat-5250	595	24	primer	primer	NOUN
easat-5250	595	25	on	on	ADP
easat-5250	595	26	partial	partial	ADJ
easat-5250	595	27	least	least	ADJ
easat-5250	595	28	squares	square	NOUN
easat-5250	595	29	structural	structural	ADJ
easat-5250	595	30	equation	equation	NOUN
easat-5250	595	31	modeling	modeling	NOUN
easat-5250	595	32	(	(	PUNCT
easat-5250	595	33	pls	pls	INTJ
easat-5250	595	34	-	-	PUNCT
easat-5250	595	35	sem	sem	NOUN
easat-5250	595	36	)	)	PUNCT
easat-5250	595	37	,	,	PUNCT
easat-5250	595	38	"	"	PUNCT
easat-5250	595	39	retrieved	retrieve	VERB
easat-5250	595	40	:	:	PUNCT
easat-5250	595	41	https://www.researchgate.net/publication/354331182	https://www.researchgate.net/publication/354331182	PROPN
easat-5250	595	42	,	,	PUNCT
easat-5250	595	43	2021	2021	NUM
easat-5250	595	44	.	.	PUNCT
easat-5250	596	1	[	[	X
easat-5250	596	2	59	59	NUM
easat-5250	596	3	]	]	PUNCT
easat-5250	596	4	c.	c.	PROPN
easat-5250	596	5	fornell	fornell	PROPN
easat-5250	596	6	and	and	CCONJ
easat-5250	596	7	d.	d.	PROPN
easat-5250	596	8	f.	f.	PROPN
easat-5250	596	9	larcker	larcker	PROPN
easat-5250	596	10	,	,	PUNCT
easat-5250	596	11	"	"	PUNCT
easat-5250	596	12	evaluating	evaluate	VERB
easat-5250	596	13	structural	structural	ADJ
easat-5250	596	14	equation	equation	NOUN
easat-5250	596	15	models	model	NOUN
easat-5250	596	16	with	with	ADP
easat-5250	596	17	unobservable	unobservable	ADJ
easat-5250	596	18	variables	variable	NOUN
easat-5250	596	19	and	and	CCONJ
easat-5250	596	20	measurement	measurement	NOUN
easat-5250	596	21	error	error	NOUN
easat-5250	596	22	,	,	PUNCT
easat-5250	596	23	"	"	PUNCT
easat-5250	596	24	journal	journal	NOUN
easat-5250	596	25	of	of	ADP
easat-5250	596	26	marketing	marketing	NOUN
easat-5250	596	27	research	research	NOUN
easat-5250	596	28	,	,	PUNCT
easat-5250	596	29	vol	vol	NOUN
easat-5250	596	30	.	.	PROPN
easat-5250	596	31	18	18	NUM
easat-5250	596	32	,	,	PUNCT
easat-5250	596	33	no	no	INTJ
easat-5250	596	34	.	.	NOUN
easat-5250	596	35	1	1	NUM
easat-5250	596	36	,	,	PUNCT
easat-5250	596	37	pp	pp	ADJ
easat-5250	596	38	.	.	PUNCT
easat-5250	597	1	39	39	NUM
easat-5250	597	2	-	-	SYM
easat-5250	597	3	50	50	NUM
easat-5250	597	4	,	,	PUNCT
easat-5250	597	5	1981	1981	NUM
easat-5250	597	6	.	.	PUNCT
easat-5250	598	1	[	[	X
easat-5250	598	2	60	60	NUM
easat-5250	598	3	]	]	X
easat-5250	598	4	j.	j.	PROPN
easat-5250	598	5	henseler	henseler	PROPN
easat-5250	598	6	,	,	PUNCT
easat-5250	598	7	c.	c.	PROPN
easat-5250	598	8	m.	m.	PROPN
easat-5250	598	9	ringle	ringle	PROPN
easat-5250	598	10	,	,	PUNCT
easat-5250	598	11	and	and	CCONJ
easat-5250	598	12	m.	m.	NOUN
easat-5250	598	13	sarstedt	sarstedt	NOUN
easat-5250	598	14	,	,	PUNCT
easat-5250	598	15	"	"	PUNCT
easat-5250	598	16	a	a	DET
easat-5250	598	17	new	new	ADJ
easat-5250	598	18	criterion	criterion	NOUN
easat-5250	598	19	for	for	ADP
easat-5250	598	20	assessing	assess	VERB
easat-5250	598	21	discriminant	discriminant	ADJ
easat-5250	598	22	validity	validity	NOUN
easat-5250	598	23	in	in	ADP
easat-5250	598	24	variance	variance	NOUN
easat-5250	598	25	-	-	PUNCT
easat-5250	598	26	based	base	VERB
easat-5250	598	27	structural	structural	ADJ
easat-5250	598	28	equation	equation	NOUN
easat-5250	598	29	modeling	modeling	NOUN
easat-5250	598	30	,	,	PUNCT
easat-5250	598	31	"	"	PUNCT
easat-5250	598	32	journal	journal	NOUN
easat-5250	598	33	of	of	ADP
easat-5250	598	34	the	the	DET
easat-5250	598	35	academy	academy	NOUN
easat-5250	598	36	of	of	ADP
easat-5250	598	37	marketing	marketing	NOUN
easat-5250	598	38	science	science	NOUN
easat-5250	598	39	,	,	PUNCT
easat-5250	598	40	vol	vol	NOUN
easat-5250	598	41	.	.	PROPN
easat-5250	598	42	43	43	NUM
easat-5250	598	43	,	,	PUNCT
easat-5250	598	44	pp	pp	ADJ
easat-5250	598	45	.	.	PUNCT
easat-5250	599	1	115	115	NUM
easat-5250	599	2	-	-	SYM
easat-5250	599	3	135	135	NUM
easat-5250	599	4	,	,	PUNCT
easat-5250	599	5	2015	2015	NUM
easat-5250	599	6	.	.	PUNCT
easat-5250	600	1	https://doi.org/10.1007/s11747-014-0403-8	https://doi.org/10.1007/s11747-014-0403-8	NOUN
easat-5250	601	1	[	[	X
easat-5250	601	2	61	61	NUM
easat-5250	601	3	]	]	PUNCT
easat-5250	601	4	k.	k.	PROPN
easat-5250	601	5	mahadevan	mahadevan	PROPN
easat-5250	601	6	and	and	CCONJ
easat-5250	601	7	s.	s.	PROPN
easat-5250	601	8	joshi	joshi	PROPN
easat-5250	601	9	,	,	PUNCT
easat-5250	601	10	"	"	PUNCT
easat-5250	601	11	impact	impact	NOUN
easat-5250	601	12	of	of	ADP
easat-5250	601	13	e	e	NOUN
easat-5250	601	14	-	-	NOUN
easat-5250	601	15	service	service	ADJ
easat-5250	601	16	quality	quality	NOUN
easat-5250	601	17	dimensions	dimension	NOUN
easat-5250	601	18	on	on	ADP
easat-5250	601	19	customer	customer	NOUN
easat-5250	601	20	satisfaction	satisfaction	NOUN
easat-5250	601	21	and	and	CCONJ
easat-5250	601	22	loyalty	loyalty	NOUN
easat-5250	601	23	in	in	ADP
easat-5250	601	24	online	online	ADJ
easat-5250	601	25	apparel	apparel	NOUN
easat-5250	601	26	shopping	shopping	NOUN
easat-5250	601	27	in	in	ADP
easat-5250	601	28	india	india	PROPN
easat-5250	601	29	,	,	PUNCT
easat-5250	601	30	"	"	PUNCT
easat-5250	601	31	indian	indian	ADJ
easat-5250	601	32	journal	journal	NOUN
easat-5250	601	33	of	of	ADP
easat-5250	601	34	marketing	marketing	NOUN
easat-5250	601	35	,	,	PUNCT
easat-5250	601	36	vol	vol	NOUN
easat-5250	601	37	.	.	PROPN
easat-5250	601	38	52	52	NUM
easat-5250	601	39	,	,	PUNCT
easat-5250	601	40	no	no	INTJ
easat-5250	601	41	.	.	NOUN
easat-5250	601	42	12	12	NUM
easat-5250	601	43	,	,	PUNCT
easat-5250	601	44	pp	pp	ADJ
easat-5250	601	45	.	.	PUNCT
easat-5250	601	46	20	20	NUM
easat-5250	601	47	-	-	SYM
easat-5250	601	48	38	38	NUM
easat-5250	601	49	,	,	PUNCT
easat-5250	601	50	2022	2022	NUM
easat-5250	601	51	.	.	PUNCT
easat-5250	602	1	[	[	X
easat-5250	602	2	62	62	NUM
easat-5250	602	3	]	]	X
easat-5250	602	4	n.	n.	PROPN
easat-5250	602	5	a.	a.	PROPN
easat-5250	602	6	hidayah	hidayah	PROPN
easat-5250	602	7	,	,	PUNCT
easat-5250	602	8	r.	r.	PROPN
easat-5250	602	9	h.	h.	PROPN
easat-5250	602	10	kusumaningtyas	kusumaningtyas	PROPN
easat-5250	602	11	,	,	PUNCT
easat-5250	602	12	and	and	CCONJ
easat-5250	602	13	a.	a.	NOUN
easat-5250	602	14	a.	a.	NOUN
easat-5250	602	15	zalia	zalia	PROPN
easat-5250	602	16	,	,	PUNCT
easat-5250	602	17	"	"	PUNCT
easat-5250	602	18	analysis	analysis	NOUN
easat-5250	602	19	of	of	ADP
easat-5250	602	20	the	the	DET
easat-5250	602	21	effect	effect	NOUN
easat-5250	602	22	of	of	ADP
easat-5250	602	23	service	service	NOUN
easat-5250	602	24	quality	quality	NOUN
easat-5250	602	25	on	on	ADP
easat-5250	602	26	loyalty	loyalty	NOUN
easat-5250	602	27	behavior	behavior	NOUN
easat-5250	602	28	of	of	ADP
easat-5250	602	29	dana	dana	PROPN
easat-5250	602	30	e	e	PROPN
easat-5250	602	31	-	-	NOUN
easat-5250	602	32	wallet	wallet	NOUN
easat-5250	602	33	users	user	NOUN
easat-5250	602	34	using	use	VERB
easat-5250	602	35	the	the	DET
easat-5250	602	36	e	e	NOUN
easat-5250	602	37	-	-	PROPN
easat-5250	602	38	squal	squal	ADJ
easat-5250	602	39	extended	extend	VERB
easat-5250	602	40	model	model	NOUN
easat-5250	602	41	,	,	PUNCT
easat-5250	602	42	"	"	PUNCT
easat-5250	602	43	in	in	ADP
easat-5250	602	44	2021	2021	NUM
easat-5250	602	45	9th	9th	ADJ
easat-5250	602	46	international	international	ADJ
easat-5250	602	47	conference	conference	NOUN
easat-5250	602	48	on	on	ADP
easat-5250	602	49	cyber	cyber	NOUN
easat-5250	603	1	and	and	CCONJ
easat-5250	603	2	it	it	PRON
easat-5250	603	3	service	service	NOUN
easat-5250	603	4	management	management	NOUN
easat-5250	603	5	(	(	PUNCT
easat-5250	603	6	citsm	citsm	NOUN
easat-5250	603	7	)	)	PUNCT
easat-5250	603	8	,	,	PUNCT
easat-5250	603	9	2021	2021	NUM
easat-5250	603	10	:	:	PUNCT
easat-5250	603	11	ieee	ieee	NOUN
easat-5250	603	12	,	,	PUNCT
easat-5250	603	13	pp	pp	ADJ
easat-5250	603	14	.	.	PUNCT
easat-5250	604	1	1	1	NUM
easat-5250	604	2	-	-	SYM
easat-5250	604	3	4	4	NUM
easat-5250	604	4	.	.	PUNCT
easat-5250	605	1	[	[	X
easat-5250	605	2	63	63	NUM
easat-5250	605	3	]	]	PUNCT
easat-5250	605	4	n.	n.	PROPN
easat-5250	605	5	f.	f.	PROPN
easat-5250	605	6	m.	m.	PROPN
easat-5250	605	7	zariman	zariman	PROPN
easat-5250	605	8	,	,	PUNCT
easat-5250	605	9	n.	n.	NOUN
easat-5250	605	10	humaidi	humaidi	PROPN
easat-5250	605	11	,	,	PUNCT
easat-5250	605	12	and	and	CCONJ
easat-5250	605	13	m.	m.	PROPN
easat-5250	605	14	h.	h.	PROPN
easat-5250	605	15	abd	abd	PROPN
easat-5250	605	16	rashid	rashid	PROPN
easat-5250	605	17	,	,	PUNCT
easat-5250	605	18	"	"	PUNCT
easat-5250	605	19	mobile	mobile	ADJ
easat-5250	605	20	commerce	commerce	NOUN
easat-5250	605	21	applications	application	NOUN
easat-5250	605	22	service	service	NOUN
easat-5250	605	23	quality	quality	NOUN
easat-5250	605	24	in	in	ADP
easat-5250	605	25	enhancing	enhance	VERB
easat-5250	605	26	customer	customer	NOUN
easat-5250	605	27	loyalty	loyalty	NOUN
easat-5250	605	28	intention	intention	NOUN
easat-5250	605	29	:	:	PUNCT
easat-5250	605	30	mediating	mediate	VERB
easat-5250	605	31	role	role	NOUN
easat-5250	605	32	of	of	ADP
easat-5250	605	33	customer	customer	NOUN
easat-5250	605	34	satisfaction	satisfaction	NOUN
easat-5250	605	35	,	,	PUNCT
easat-5250	605	36	"	"	PUNCT
easat-5250	605	37	journal	journal	NOUN
easat-5250	605	38	of	of	ADP
easat-5250	605	39	financial	financial	ADJ
easat-5250	605	40	services	service	NOUN
easat-5250	605	41	marketing	marketing	NOUN
easat-5250	605	42	,	,	PUNCT
easat-5250	605	43	vol	vol	NOUN
easat-5250	605	44	.	.	PROPN
easat-5250	605	45	28	28	NUM
easat-5250	605	46	,	,	PUNCT
easat-5250	605	47	no	no	INTJ
easat-5250	605	48	.	.	NOUN
easat-5250	605	49	4	4	NUM
easat-5250	605	50	,	,	PUNCT
easat-5250	605	51	pp	pp	ADJ
easat-5250	605	52	.	.	PUNCT
easat-5250	606	1	649–663	649–663	NUM
easat-5250	606	2	,	,	PUNCT
easat-5250	606	3	2022	2022	NUM
easat-5250	606	4	.	.	PUNCT
easat-5250	607	1	https://doi.org/10.1057/s41264-022-00190-9	https://doi.org/10.1057/s41264-022-00190-9	NUM
easat-5250	608	1	[	[	X
easat-5250	608	2	64	64	NUM
easat-5250	608	3	]	]	PUNCT
easat-5250	608	4	s.	s.	PROPN
easat-5250	608	5	agarwal	agarwal	PROPN
easat-5250	608	6	,	,	PUNCT
easat-5250	608	7	p.	p.	PROPN
easat-5250	608	8	malik	malik	PROPN
easat-5250	608	9	,	,	PUNCT
easat-5250	608	10	and	and	CCONJ
easat-5250	608	11	s.	s.	PROPN
easat-5250	608	12	gautam	gautam	PROPN
easat-5250	608	13	,	,	PUNCT
easat-5250	608	14	"	"	PUNCT
easat-5250	608	15	analysis	analysis	NOUN
easat-5250	608	16	of	of	ADP
easat-5250	608	17	customer	customer	NOUN
easat-5250	608	18	satisfaction	satisfaction	NOUN
easat-5250	608	19	and	and	CCONJ
easat-5250	608	20	the	the	DET
easat-5250	608	21	customer	customer	NOUN
easat-5250	608	22	experience	experience	NOUN
easat-5250	608	23	in	in	ADP
easat-5250	608	24	digital	digital	ADJ
easat-5250	608	25	payments	payment	NOUN
easat-5250	608	26	:	:	PUNCT
easat-5250	608	27	a	a	DET
easat-5250	608	28	meta	meta	ADJ
easat-5250	608	29	-	-	PUNCT
easat-5250	608	30	analysis	analysis	NOUN
easat-5250	608	31	review	review	NOUN
easat-5250	608	32	,	,	PUNCT
easat-5250	608	33	"	"	PUNCT
easat-5250	608	34	international	international	ADJ
easat-5250	608	35	journal	journal	NOUN
easat-5250	608	36	of	of	ADP
easat-5250	608	37	business	business	NOUN
easat-5250	608	38	science	science	NOUN
easat-5250	608	39	and	and	CCONJ
easat-5250	608	40	applied	applied	ADJ
easat-5250	608	41	management	management	NOUN
easat-5250	608	42	,	,	PUNCT
easat-5250	608	43	vol	vol	NOUN
easat-5250	608	44	.	.	PROPN
easat-5250	608	45	18	18	NUM
easat-5250	608	46	,	,	PUNCT
easat-5250	608	47	no	no	INTJ
easat-5250	608	48	.	.	NOUN
easat-5250	608	49	1	1	NUM
easat-5250	608	50	,	,	PUNCT
easat-5250	608	51	pp	pp	ADJ
easat-5250	608	52	.	.	PUNCT
easat-5250	609	1	1	1	NUM
easat-5250	609	2	-	-	SYM
easat-5250	609	3	17	17	NUM
easat-5250	609	4	,	,	PUNCT
easat-5250	609	5	2023	2023	NUM
easat-5250	609	6	.	.	PUNCT
easat-5250	610	1	[	[	X
easat-5250	610	2	65	65	NUM
easat-5250	610	3	]	]	X
easat-5250	610	4	m.	m.	NOUN
easat-5250	610	5	z.	z.	PROPN
easat-5250	610	6	rafiq	rafiq	PROPN
easat-5250	610	7	,	,	PUNCT
easat-5250	610	8	j.	j.	PROPN
easat-5250	610	9	c.	c.	PROPN
easat-5250	610	10	jun	jun	PROPN
easat-5250	610	11	,	,	PUNCT
easat-5250	610	12	r.	r.	PROPN
easat-5250	610	13	ali	ali	PROPN
easat-5250	610	14	,	,	PUNCT
easat-5250	610	15	m.	m.	PROPN
easat-5250	610	16	k.	k.	PROPN
easat-5250	610	17	majeed	majeed	PROPN
easat-5250	610	18	,	,	PUNCT
easat-5250	610	19	and	and	CCONJ
easat-5250	610	20	m.	m.	PROPN
easat-5250	610	21	mohsin	mohsin	PROPN
easat-5250	610	22	,	,	PUNCT
easat-5250	610	23	"	"	PUNCT
easat-5250	610	24	impact	impact	NOUN
easat-5250	610	25	of	of	ADP
easat-5250	610	26	corporate	corporate	ADJ
easat-5250	610	27	image	image	NOUN
easat-5250	610	28	,	,	PUNCT
easat-5250	610	29	switching	switch	VERB
easat-5250	610	30	cost	cost	NOUN
easat-5250	610	31	and	and	CCONJ
easat-5250	610	32	customer	customer	NOUN
easat-5250	610	33	trust	trust	NOUN
easat-5250	610	34	on	on	ADP
easat-5250	610	35	customer	customer	NOUN
easat-5250	610	36	satisfaction	satisfaction	NOUN
easat-5250	610	37	:	:	PUNCT
easat-5250	610	38	evidence	evidence	NOUN
easat-5250	610	39	from	from	ADP
easat-5250	610	40	listed	list	VERB
easat-5250	610	41	banking	banking	NOUN
easat-5250	610	42	sector	sector	NOUN
easat-5250	610	43	,	,	PUNCT
easat-5250	610	44	"	"	PUNCT
easat-5250	610	45	smart	smart	ADJ
easat-5250	610	46	journal	journal	NOUN
easat-5250	610	47	of	of	ADP
easat-5250	610	48	business	business	NOUN
easat-5250	610	49	management	management	NOUN
easat-5250	610	50	studies	study	NOUN
easat-5250	610	51	,	,	PUNCT
easat-5250	610	52	vol	vol	NOUN
easat-5250	610	53	.	.	PROPN
easat-5250	610	54	16	16	NUM
easat-5250	610	55	,	,	PUNCT
easat-5250	610	56	no	no	INTJ
easat-5250	610	57	.	.	NOUN
easat-5250	610	58	1	1	NUM
easat-5250	610	59	,	,	PUNCT
easat-5250	610	60	pp	pp	ADJ
easat-5250	610	61	.	.	PUNCT
easat-5250	611	1	26	26	NUM
easat-5250	611	2	-	-	SYM
easat-5250	611	3	34	34	NUM
easat-5250	611	4	,	,	PUNCT
easat-5250	611	5	2020	2020	NUM
easat-5250	611	6	.	.	PUNCT
easat-5250	612	1	https://doi.org/10.5958/2321-2012.2020.00003.2	https://doi.org/10.5958/2321-2012.2020.00003.2	NOUN
easat-5250	613	1	[	[	X
easat-5250	613	2	66	66	NUM
easat-5250	613	3	]	]	PUNCT
easat-5250	613	4	i.	i.	PROPN
easat-5250	613	5	g.	g.	PROPN
easat-5250	613	6	a.	a.	PROPN
easat-5250	613	7	a.	a.	PROPN
easat-5250	613	8	m.	m.	PROPN
easat-5250	613	9	suariedewi	suariedewi	PROPN
easat-5250	613	10	and	and	CCONJ
easat-5250	613	11	n.	n.	PROPN
easat-5250	613	12	w.	w.	PROPN
easat-5250	613	13	s.	s.	PROPN
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easat-5250	613	15	,	,	PUNCT
easat-5250	613	16	"	"	PUNCT
easat-5250	613	17	effect	effect	NOUN
easat-5250	613	18	of	of	ADP
easat-5250	613	19	mobile	mobile	ADJ
easat-5250	613	20	service	service	NOUN
easat-5250	613	21	quality	quality	NOUN
easat-5250	613	22	to	to	ADP
easat-5250	613	23	e	e	NOUN
easat-5250	613	24	-	-	VERB
easat-5250	613	25	trust	trust	VERB
easat-5250	613	26	to	to	PART
easat-5250	613	27	develop	develop	VERB
easat-5250	613	28	e	e	NOUN
easat-5250	613	29	-	-	NOUN
easat-5250	613	30	satisfaction	satisfaction	NOUN
easat-5250	613	31	and	and	CCONJ
easat-5250	613	32	e	e	NOUN
easat-5250	613	33	-	-	NOUN
easat-5250	613	34	loyalty	loyalty	ADJ
easat-5250	613	35	mobile	mobile	ADJ
easat-5250	613	36	banking	banking	NOUN
easat-5250	613	37	services	service	NOUN
easat-5250	613	38	,	,	PUNCT
easat-5250	613	39	"	"	PUNCT
easat-5250	613	40	international	international	ADJ
easat-5250	613	41	research	research	NOUN
easat-5250	613	42	journal	journal	PROPN
easat-5250	613	43	of	of	ADP
easat-5250	613	44	management	management	NOUN
easat-5250	613	45	,	,	PUNCT
easat-5250	613	46	it	it	PRON
easat-5250	613	47	and	and	CCONJ
easat-5250	613	48	social	social	ADJ
easat-5250	613	49	sciences	science	NOUN
easat-5250	613	50	,	,	PUNCT
easat-5250	613	51	vol	vol	NOUN
easat-5250	613	52	.	.	PROPN
easat-5250	613	53	7	7	NUM
easat-5250	613	54	,	,	PUNCT
easat-5250	613	55	no	no	INTJ
easat-5250	613	56	.	.	NOUN
easat-5250	613	57	1	1	NUM
easat-5250	613	58	,	,	PUNCT
easat-5250	613	59	pp	pp	ADJ
easat-5250	613	60	.	.	PUNCT
easat-5250	614	1	185	185	NUM
easat-5250	614	2	-	-	SYM
easat-5250	614	3	196	196	NUM
easat-5250	614	4	,	,	PUNCT
easat-5250	614	5	2020	2020	NUM
easat-5250	614	6	.	.	PUNCT
easat-5250	615	1	https://doi.org/10.21744/irjmis.v7n1.836	https://doi.org/10.21744/irjmis.v7n1.836	VERB
easat-5250	615	2	[	[	X
easat-5250	615	3	67	67	NUM
easat-5250	615	4	]	]	PUNCT
easat-5250	616	1	s.	s.	PROPN
easat-5250	616	2	p.	p.	PROPN
easat-5250	616	3	s.	s.	PROPN
easat-5250	616	4	ho	ho	PROPN
easat-5250	616	5	and	and	CCONJ
easat-5250	616	6	a.	a.	PROPN
easat-5250	616	7	wong	wong	PROPN
easat-5250	616	8	,	,	PUNCT
easat-5250	616	9	"	"	PUNCT
easat-5250	616	10	the	the	DET
easat-5250	616	11	role	role	NOUN
easat-5250	616	12	of	of	ADP
easat-5250	616	13	customer	customer	NOUN
easat-5250	616	14	personality	personality	NOUN
easat-5250	616	15	in	in	ADP
easat-5250	616	16	premium	premium	NOUN
easat-5250	616	17	banking	banking	NOUN
easat-5250	616	18	services	service	NOUN
easat-5250	616	19	,	,	PUNCT
easat-5250	616	20	"	"	PUNCT
easat-5250	616	21	journal	journal	NOUN
easat-5250	616	22	of	of	ADP
easat-5250	616	23	financial	financial	ADJ
easat-5250	616	24	services	service	NOUN
easat-5250	616	25	marketing	marketing	NOUN
easat-5250	616	26	,	,	PUNCT
easat-5250	616	27	vol	vol	NOUN
easat-5250	616	28	.	.	PROPN
easat-5250	616	29	28	28	NUM
easat-5250	616	30	,	,	PUNCT
easat-5250	616	31	no	no	INTJ
easat-5250	616	32	.	.	NOUN
easat-5250	616	33	2	2	NUM
easat-5250	616	34	,	,	PUNCT
easat-5250	616	35	p.	p.	NOUN
easat-5250	616	36	285	285	NUM
easat-5250	616	37	,	,	PUNCT
easat-5250	616	38	2022	2022	NUM
easat-5250	616	39	.	.	PUNCT
easat-5250	617	1	https://doi.org/10.1057/s41264-022-00150-3	https://doi.org/10.1057/s41264-022-00150-3	NOUN
easat-5250	618	1	[	[	X
easat-5250	618	2	68	68	NUM
easat-5250	618	3	]	]	PUNCT
easat-5250	618	4	m.-f	m.-f	NOUN
easat-5250	618	5	.	.	PUNCT
easat-5250	619	1	wei	wei	PROPN
easat-5250	619	2	,	,	PUNCT
easat-5250	619	3	y.-h	y.-h	PROPN
easat-5250	619	4	.	.	PUNCT
easat-5250	620	1	luh	luh	PROPN
easat-5250	620	2	,	,	PUNCT
easat-5250	620	3	y.-h	y.-h	PROPN
easat-5250	620	4	.	.	PUNCT
easat-5250	621	1	huang	huang	PROPN
easat-5250	621	2	,	,	PUNCT
easat-5250	621	3	and	and	CCONJ
easat-5250	621	4	y.-c	y.-c	PROPN
easat-5250	621	5	.	.	PUNCT
easat-5250	622	1	chang	chang	PROPN
easat-5250	622	2	,	,	PUNCT
easat-5250	622	3	"	"	PUNCT
easat-5250	622	4	young	young	ADJ
easat-5250	622	5	generation	generation	NOUN
easat-5250	622	6	’s	’s	PART
easat-5250	622	7	mobile	mobile	ADJ
easat-5250	622	8	payment	payment	NOUN
easat-5250	622	9	adoption	adoption	NOUN
easat-5250	622	10	behavior	behavior	NOUN
easat-5250	622	11	:	:	PUNCT
easat-5250	622	12	analysis	analysis	NOUN
easat-5250	622	13	based	base	VERB
easat-5250	622	14	on	on	ADP
easat-5250	622	15	an	an	DET
easat-5250	622	16	extended	extended	ADJ
easat-5250	622	17	utaut	utaut	NOUN
easat-5250	622	18	model	model	NOUN
easat-5250	622	19	,	,	PUNCT
easat-5250	622	20	"	"	PUNCT
easat-5250	622	21	journal	journal	NOUN
easat-5250	622	22	of	of	ADP
easat-5250	622	23	theoretical	theoretical	ADJ
easat-5250	622	24	and	and	CCONJ
easat-5250	622	25	applied	apply	VERB
easat-5250	622	26	electronic	electronic	ADJ
easat-5250	622	27	commerce	commerce	NOUN
easat-5250	622	28	research	research	NOUN
easat-5250	622	29	,	,	PUNCT
easat-5250	622	30	vol	vol	NOUN
easat-5250	622	31	.	.	PROPN
easat-5250	622	32	16	16	NUM
easat-5250	622	33	,	,	PUNCT
easat-5250	622	34	no	no	INTJ
easat-5250	622	35	.	.	NOUN
easat-5250	622	36	4	4	NUM
easat-5250	622	37	,	,	PUNCT
easat-5250	622	38	pp	pp	ADJ
easat-5250	622	39	.	.	PUNCT
easat-5250	623	1	618	618	NUM
easat-5250	623	2	-	-	SYM
easat-5250	623	3	637	637	NUM
easat-5250	623	4	,	,	PUNCT
easat-5250	623	5	2021	2021	NUM
easat-5250	623	6	.	.	PUNCT
easat-5250	624	1	https://doi.org/10.3390/jtaer16040037	https://doi.org/10.3390/jtaer16040037	PROPN
easat-5250	624	2	[	[	X
easat-5250	624	3	69	69	NUM
easat-5250	624	4	]	]	PUNCT
easat-5250	624	5	t.	t.	PROPN
easat-5250	624	6	afrizal	afrizal	PROPN
easat-5250	624	7	,	,	PUNCT
easat-5250	624	8	j.	j.	PROPN
easat-5250	624	9	saputra	saputra	PROPN
easat-5250	624	10	,	,	PUNCT
easat-5250	624	11	and	and	CCONJ
easat-5250	624	12	r.	r.	PROPN
easat-5250	624	13	j.	j.	PROPN
easat-5250	624	14	pinem	pinem	PROPN
easat-5250	624	15	,	,	PUNCT
easat-5250	624	16	"	"	PUNCT
easat-5250	624	17	the	the	DET
easat-5250	624	18	relationship	relationship	NOUN
easat-5250	624	19	of	of	ADP
easat-5250	624	20	cashback	cashback	NOUN
easat-5250	624	21	,	,	PUNCT
easat-5250	624	22	discount	discount	NOUN
easat-5250	624	23	,	,	PUNCT
easat-5250	624	24	and	and	CCONJ
easat-5250	624	25	voucher	voucher	ADJ
easat-5250	624	26	toward	toward	ADP
easat-5250	624	27	decision	decision	NOUN
easat-5250	624	28	to	to	PART
easat-5250	624	29	use	use	VERB
easat-5250	624	30	digital	digital	ADJ
easat-5250	624	31	payment	payment	NOUN
easat-5250	624	32	in	in	ADP
easat-5250	624	33	indonesia	indonesia	PROPN
easat-5250	624	34	the	the	DET
easat-5250	624	35	role	role	NOUN
easat-5250	624	36	of	of	ADP
easat-5250	624	37	government	government	NOUN
easat-5250	624	38	and	and	CCONJ
easat-5250	624	39	community	community	NOUN
easat-5250	624	40	participation	participation	NOUN
easat-5250	624	41	in	in	ADP
easat-5250	624	42	solid	solid	ADJ
easat-5250	624	43	waste	waste	NOUN
easat-5250	624	44	managemen	manageman	NOUN
easat-5250	624	45	 	 	SPACE
easat-5250	624	46	:	:	PUNCT
easat-5250	624	47	a	a	DET
easat-5250	624	48	case	case	NOUN
easat-5250	624	49	of	of	ADP
easat-5250	624	50	tegal	tegal	ADJ
easat-5250	624	51	city	city	NOUN
easat-5250	624	52	view	view	NOUN
easat-5250	624	53	project	project	VERB
easat-5250	624	54	the	the	DET
easat-5250	624	55	relationship	relationship	NOUN
easat-5250	624	56	of	of	ADP
easat-5250	624	57	cashback	cashback	NOUN
easat-5250	624	58	,	,	PUNCT
easat-5250	624	59	discount	discount	NOUN
easat-5250	624	60	,	,	PUNCT
easat-5250	624	61	and	and	CCONJ
easat-5250	624	62	voucher	voucher	ADJ
easat-5250	624	63	toward	toward	ADP
easat-5250	624	64	decision	decision	NOUN
easat-5250	624	65	to	to	PART
easat-5250	624	66	use	use	VERB
easat-5250	624	67	digital	digital	ADJ
easat-5250	624	68	payment	payment	NOUN
easat-5250	624	69	in	in	ADP
easat-5250	624	70	indonesia	indonesia	PROPN
easat-5250	624	71	,	,	PUNCT
easat-5250	624	72	"	"	PUNCT
easat-5250	624	73	talent	talent	NOUN
easat-5250	624	74	development	development	NOUN
easat-5250	624	75	&	&	CCONJ
easat-5250	624	76	excellence	excellence	PROPN
easat-5250	624	77	,	,	PUNCT
easat-5250	624	78	vol	vol	NOUN
easat-5250	624	79	.	.	PROPN
easat-5250	624	80	12	12	NUM
easat-5250	624	81	,	,	PUNCT
easat-5250	624	82	no	no	INTJ
easat-5250	624	83	.	.	NOUN
easat-5250	624	84	3	3	NUM
easat-5250	624	85	,	,	PUNCT
easat-5250	624	86	pp	pp	ADJ
easat-5250	624	87	.	.	PUNCT
easat-5250	625	1	2766–2774	2766–2774	NUM
easat-5250	625	2	,	,	PUNCT
easat-5250	625	3	2020	2020	NUM
easat-5250	625	4	.	.	PUNCT
easat-5250	625	5	http://journal.unj.ac.id/unj/index.php/jdmb	http://journal.unj.ac.id/unj/index.php/jdmb	AUX
easat-5250	625	6	https://doi.org/10.1108/07363761211206339	https://doi.org/10.1108/07363761211206339	PROPN
easat-5250	625	7	https://doi.org/10.1108/ebr-11-2018-0203	https://doi.org/10.1108/ebr-11-2018-0203	X
easat-5250	625	8	https://doi.org/10.1007/s11747-011-0261-6	https://doi.org/10.1007/s11747-011-0261-6	PROPN
easat-5250	625	9	https://www.researchgate.net/publication/354331182	https://www.researchgate.net/publication/354331182	PROPN
easat-5250	625	10	https://doi.org/10.1007/s11747-014-0403-8	https://doi.org/10.1007/s11747-014-0403-8	NUM
easat-5250	625	11	https://doi.org/10.1057/s41264-022-00190-9	https://doi.org/10.1057/s41264-022-00190-9	PRON
easat-5250	625	12	https://doi.org/10.5958/2321-2012.2020.00003.2	https://doi.org/10.5958/2321-2012.2020.00003.2	PROPN
easat-5250	625	13	https://doi.org/10.21744/irjmis.v7n1.836	https://doi.org/10.21744/irjmis.v7n1.836	VERB
easat-5250	625	14	https://doi.org/10.1057/s41264-022-00150-3	https://doi.org/10.1057/s41264-022-00150-3	NUM
easat-5250	625	15	https://doi.org/10.3390/jtaer16040037	https://doi.org/10.3390/jtaer16040037	PROPN