id	sid	tid	token	lemma	pos
easat-5722	1	1	edelweiss	edelweiss	PROPN
easat-5722	1	2	applied	apply	VERB
easat-5722	1	3	science	science	NOUN
easat-5722	1	4	and	and	CCONJ
easat-5722	1	5	technology	technology	NOUN
easat-5722	1	6	issn	issn	PROPN
easat-5722	1	7	:	:	PUNCT
easat-5722	1	8	2576	2576	NUM
easat-5722	1	9	-	-	SYM
easat-5722	1	10	8484	8484	NUM
easat-5722	1	11	vol	vol	NOUN
easat-5722	1	12	.	.	PROPN
easat-5722	2	1	9	9	NUM
easat-5722	2	2	,	,	PUNCT
easat-5722	2	3	no	no	INTJ
easat-5722	2	4	.	.	NOUN
easat-5722	2	5	3	3	NUM
easat-5722	2	6	,	,	PUNCT
easat-5722	2	7	1954	1954	NUM
easat-5722	2	8	-	-	SYM
easat-5722	2	9	1971	1971	NUM
easat-5722	2	10	2025	2025	NUM
easat-5722	2	11	publisher	publisher	NOUN
easat-5722	2	12	:	:	PUNCT
easat-5722	2	13	learning	learn	VERB
easat-5722	2	14	gate	gate	NOUN
easat-5722	2	15	doi	doi	PROPN
easat-5722	2	16	:	:	PUNCT
easat-5722	2	17	10.55214/25768484.v9i3.5722	10.55214/25768484.v9i3.5722	NUM
easat-5722	2	18	©	©	PROPN
easat-5722	2	19	2025	2025	NUM
easat-5722	2	20	by	by	ADP
easat-5722	2	21	the	the	DET
easat-5722	2	22	authors	author	NOUN
easat-5722	2	23	;	;	PUNCT
easat-5722	2	24	licensee	licensee	PROPN
easat-5722	2	25	learning	learning	NOUN
easat-5722	2	26	gate	gate	NOUN
easat-5722	3	1	©	©	PROPN
easat-5722	3	2	2025	2025	NUM
easat-5722	3	3	by	by	ADP
easat-5722	3	4	the	the	DET
easat-5722	3	5	authors	author	NOUN
easat-5722	3	6	;	;	PUNCT
easat-5722	3	7	licensee	licensee	PROPN
easat-5722	3	8	learning	learning	NOUN
easat-5722	3	9	gate	gate	NOUN
easat-5722	3	10	history	history	NOUN
easat-5722	3	11	:	:	PUNCT
easat-5722	3	12	received	receive	VERB
easat-5722	3	13	:	:	PUNCT
easat-5722	3	14	6	6	NUM
easat-5722	3	15	january	january	NOUN
easat-5722	3	16	2025	2025	NUM
easat-5722	3	17	;	;	PUNCT
easat-5722	3	18	revised	revise	VERB
easat-5722	3	19	:	:	PUNCT
easat-5722	3	20	10	10	NUM
easat-5722	3	21	march	march	NOUN
easat-5722	3	22	2025	2025	NUM
easat-5722	3	23	;	;	PUNCT
easat-5722	3	24	accepted	accept	VERB
easat-5722	3	25	:	:	PUNCT
easat-5722	3	26	17	17	NUM
easat-5722	3	27	march	march	NOUN
easat-5722	3	28	2025	2025	NUM
easat-5722	3	29	;	;	PUNCT
easat-5722	3	30	published	publish	VERB
easat-5722	3	31	:	:	PUNCT
easat-5722	3	32	24	24	NUM
easat-5722	3	33	march	march	NOUN
easat-5722	3	34	2025	2025	NUM
easat-5722	3	35	*	*	PUNCT
easat-5722	3	36	correspondence	correspondence	NOUN
easat-5722	3	37	:	:	PUNCT
easat-5722	4	1	dungnguyenthanhtra79@gmail.com	dungnguyenthanhtra79@gmail.com	X
easat-5722	4	2	determinants	determinant	NOUN
easat-5722	4	3	of	of	ADP
easat-5722	4	4	the	the	DET
easat-5722	4	5	decision	decision	NOUN
easat-5722	4	6	to	to	PART
easat-5722	4	7	use	use	VERB
easat-5722	4	8	digital	digital	ADJ
easat-5722	4	9	banking	banking	NOUN
easat-5722	4	10	services	service	NOUN
easat-5722	4	11	of	of	ADP
easat-5722	4	12	individual	individual	ADJ
easat-5722	4	13	customers	customer	NOUN
easat-5722	4	14	at	at	ADP
easat-5722	4	15	vietnamese	vietnamese	ADJ
easat-5722	4	16	commercial	commercial	ADJ
easat-5722	4	17	banks	bank	NOUN
easat-5722	4	18	thi	thi	VERB
easat-5722	4	19	thuy	thuy	PROPN
easat-5722	4	20	huong	huong	PROPN
easat-5722	5	1	nguyen1	nguyen1	PROPN
easat-5722	5	2	,	,	PUNCT
easat-5722	5	3	van	van	PROPN
easat-5722	5	4	lanh	lanh	NOUN
easat-5722	5	5	nguyen2	nguyen2	PROPN
easat-5722	5	6	*	*	PUNCT
easat-5722	5	7	,	,	PUNCT
easat-5722	5	8	minh	minh	INTJ
easat-5722	5	9	nhat	nhat	X
easat-5722	5	10	nguyen3	nguyen3	NOUN
easat-5722	5	11	,	,	PUNCT
easat-5722	5	12	thi	thi	VERB
easat-5722	5	13	minh	minh	PROPN
easat-5722	5	14	ngoc	ngoc	PROPN
easat-5722	5	15	le4	le4	PROPN
easat-5722	5	16	,	,	PUNCT
easat-5722	5	17	quoc	quoc	PROPN
easat-5722	5	18	cuong	cuong	X
easat-5722	5	19	truong5	truong5	PROPN
easat-5722	5	20	1faculty	1faculty	NUM
easat-5722	5	21	of	of	ADP
easat-5722	5	22	foreign	foreign	ADJ
easat-5722	5	23	languages	language	NOUN
easat-5722	5	24	,	,	PUNCT
easat-5722	5	25	academy	academy	NOUN
easat-5722	5	26	of	of	ADP
easat-5722	5	27	finance	finance	PROPN
easat-5722	5	28	hanoi	hanoi	PROPN
easat-5722	5	29	,	,	PUNCT
easat-5722	5	30	vietnam	vietnam	PROPN
easat-5722	5	31	(	(	PUNCT
easat-5722	5	32	10000	10000	NUM
easat-5722	5	33	-	-	SYM
easat-5722	5	34	14000	14000	NUM
easat-5722	5	35	)	)	PUNCT
easat-5722	5	36	;	;	PUNCT
easat-5722	5	37	nguyenthuyhuong@hvtc.edu.vn	nguyenthuyhuong@hvtc.edu.vn	NOUN
easat-5722	5	38	(	(	PUNCT
easat-5722	5	39	t.t.h.n	t.t.h.n	PROPN
easat-5722	5	40	.	.	PROPN
easat-5722	5	41	)	)	PUNCT
easat-5722	6	1	2university	2university	NUM
easat-5722	6	2	of	of	ADP
easat-5722	6	3	technology	technology	NOUN
easat-5722	6	4	and	and	CCONJ
easat-5722	6	5	management	management	NOUN
easat-5722	6	6	hanoi	hanoi	PROPN
easat-5722	6	7	,	,	PUNCT
easat-5722	6	8	vietnam	vietnam	PROPN
easat-5722	6	9	(	(	PUNCT
easat-5722	6	10	10000	10000	NUM
easat-5722	6	11	-	-	SYM
easat-5722	6	12	14000	14000	NUM
easat-5722	6	13	)	)	PUNCT
easat-5722	6	14	;	;	PUNCT
easat-5722	6	15	dungnguyenthanhtra79@gmail.com	dungnguyenthanhtra79@gmail.com	PROPN
easat-5722	6	16	(	(	PUNCT
easat-5722	6	17	v.l.n	v.l.n	NOUN
easat-5722	6	18	.	.	PUNCT
easat-5722	6	19	)	)	PUNCT
easat-5722	6	20	.	.	PUNCT
easat-5722	7	1	3,4,5banking	3,4,5banking	NUM
easat-5722	7	2	academy	academy	PROPN
easat-5722	7	3	of	of	ADP
easat-5722	7	4	vietnam	vietnam	PROPN
easat-5722	7	5	hanoi	hanoi	PROPN
easat-5722	7	6	,	,	PUNCT
easat-5722	7	7	vietnam	vietnam	PROPN
easat-5722	7	8	(	(	PUNCT
easat-5722	7	9	10000	10000	NUM
easat-5722	7	10	-	-	SYM
easat-5722	7	11	14000	14000	NUM
easat-5722	7	12	)	)	PUNCT
easat-5722	7	13	;	;	PUNCT
easat-5722	7	14	minhnn@hvnh.edu.vn	minhnn@hvnh.edu.vn	NOUN
easat-5722	7	15	(	(	PUNCT
easat-5722	7	16	m.n.n	m.n.n	NOUN
easat-5722	7	17	.	.	PUNCT
easat-5722	7	18	)	)	PUNCT
easat-5722	8	1	ngocltm@hvnh.edu.vn	ngocltm@hvnh.edu.vn	NOUN
easat-5722	8	2	(	(	PUNCT
easat-5722	8	3	t.m.n.l	t.m.n.l	PROPN
easat-5722	8	4	.	.	PUNCT
easat-5722	8	5	)	)	PUNCT
easat-5722	9	1	cuongtq@hvnh.edu.vn	cuongtq@hvnh.edu.vn	ADJ
easat-5722	9	2	(	(	PUNCT
easat-5722	9	3	q.c.t	q.c.t	NOUN
easat-5722	9	4	.	.	PUNCT
easat-5722	9	5	)	)	PUNCT
easat-5722	10	1	abstract	abstract	NOUN
easat-5722	10	2	:	:	PUNCT
easat-5722	10	3	this	this	DET
easat-5722	10	4	paper	paper	NOUN
easat-5722	10	5	investigates	investigate	VERB
easat-5722	10	6	the	the	DET
easat-5722	10	7	key	key	ADJ
easat-5722	10	8	determinants	determinant	NOUN
easat-5722	10	9	influencing	influence	VERB
easat-5722	10	10	individual	individual	ADJ
easat-5722	10	11	customers	customer	NOUN
easat-5722	10	12	’	’	PART
easat-5722	10	13	decisions	decision	NOUN
easat-5722	10	14	to	to	PART
easat-5722	10	15	adopt	adopt	VERB
easat-5722	10	16	digital	digital	ADJ
easat-5722	10	17	banking	banking	NOUN
easat-5722	10	18	services	service	NOUN
easat-5722	10	19	at	at	ADP
easat-5722	10	20	vietnamese	vietnamese	ADJ
easat-5722	10	21	commercial	commercial	ADJ
easat-5722	10	22	banks	bank	NOUN
easat-5722	10	23	,	,	PUNCT
easat-5722	10	24	focusing	focus	VERB
easat-5722	10	25	on	on	ADP
easat-5722	10	26	factors	factor	NOUN
easat-5722	10	27	such	such	ADJ
easat-5722	10	28	as	as	ADP
easat-5722	10	29	perceived	perceive	VERB
easat-5722	10	30	confidence	confidence	NOUN
easat-5722	10	31	,	,	PUNCT
easat-5722	10	32	usefulness	usefulness	NOUN
easat-5722	10	33	,	,	PUNCT
easat-5722	10	34	financial	financial	ADJ
easat-5722	10	35	cost	cost	NOUN
easat-5722	10	36	,	,	PUNCT
easat-5722	10	37	risk	risk	NOUN
easat-5722	10	38	,	,	PUNCT
easat-5722	10	39	trust	trust	NOUN
easat-5722	10	40	,	,	PUNCT
easat-5722	10	41	and	and	CCONJ
easat-5722	10	42	bank	bank	NOUN
easat-5722	10	43	brand	brand	NOUN
easat-5722	10	44	image	image	NOUN
easat-5722	10	45	.	.	PUNCT
easat-5722	11	1	accordingly	accordingly	ADV
easat-5722	11	2	,	,	PUNCT
easat-5722	11	3	the	the	DET
easat-5722	11	4	research	research	NOUN
easat-5722	11	5	employs	employ	VERB
easat-5722	11	6	a	a	DET
easat-5722	11	7	quantitative	quantitative	ADJ
easat-5722	11	8	approach	approach	NOUN
easat-5722	11	9	,	,	PUNCT
easat-5722	11	10	utilizing	utilize	VERB
easat-5722	11	11	multivariate	multivariate	NOUN
easat-5722	11	12	regression	regression	NOUN
easat-5722	11	13	and	and	CCONJ
easat-5722	11	14	scale	scale	NOUN
easat-5722	11	15	reliability	reliability	NOUN
easat-5722	11	16	testing	testing	NOUN
easat-5722	11	17	via	via	ADP
easat-5722	11	18	spss	spss	PROPN
easat-5722	11	19	26	26	NUM
easat-5722	11	20	.	.	PUNCT
easat-5722	12	1	data	datum	NOUN
easat-5722	12	2	were	be	AUX
easat-5722	12	3	collected	collect	VERB
easat-5722	12	4	from	from	ADP
easat-5722	12	5	179	179	NUM
easat-5722	12	6	valid	valid	ADJ
easat-5722	12	7	responses	response	NOUN
easat-5722	12	8	out	out	ADP
easat-5722	12	9	of	of	ADP
easat-5722	12	10	250	250	NUM
easat-5722	12	11	online	online	ADJ
easat-5722	12	12	questionnaires	questionnaire	NOUN
easat-5722	12	13	distributed	distribute	VERB
easat-5722	12	14	over	over	ADP
easat-5722	12	15	four	four	NUM
easat-5722	12	16	months	month	NOUN
easat-5722	12	17	(	(	PUNCT
easat-5722	12	18	december	december	PROPN
easat-5722	12	19	2024	2024	NUM
easat-5722	12	20	to	to	ADP
easat-5722	12	21	march	march	PROPN
easat-5722	12	22	2025	2025	NUM
easat-5722	12	23	)	)	PUNCT
easat-5722	12	24	,	,	PUNCT
easat-5722	12	25	targeting	target	VERB
easat-5722	12	26	vietnamese	vietnamese	ADJ
easat-5722	12	27	banking	banking	NOUN
easat-5722	12	28	customers	customer	NOUN
easat-5722	12	29	.	.	PUNCT
easat-5722	13	1	the	the	DET
easat-5722	13	2	results	result	NOUN
easat-5722	13	3	indicate	indicate	VERB
easat-5722	13	4	that	that	SCONJ
easat-5722	13	5	perceived	perceive	VERB
easat-5722	13	6	usefulness	usefulness	NOUN
easat-5722	13	7	and	and	CCONJ
easat-5722	13	8	confidence	confidence	NOUN
easat-5722	13	9	are	be	AUX
easat-5722	13	10	the	the	DET
easat-5722	13	11	most	most	ADV
easat-5722	13	12	significant	significant	ADJ
easat-5722	13	13	drivers	driver	NOUN
easat-5722	13	14	of	of	ADP
easat-5722	13	15	digital	digital	ADJ
easat-5722	13	16	banking	banking	NOUN
easat-5722	13	17	adoption	adoption	NOUN
easat-5722	13	18	,	,	PUNCT
easat-5722	13	19	while	while	SCONJ
easat-5722	13	20	perceived	perceive	VERB
easat-5722	13	21	financial	financial	ADJ
easat-5722	13	22	cost	cost	NOUN
easat-5722	13	23	and	and	CCONJ
easat-5722	13	24	risk	risk	NOUN
easat-5722	13	25	negatively	negatively	ADV
easat-5722	13	26	impact	impact	VERB
easat-5722	13	27	the	the	DET
easat-5722	13	28	decision	decision	NOUN
easat-5722	13	29	.	.	PUNCT
easat-5722	14	1	in	in	ADP
easat-5722	14	2	addition	addition	NOUN
easat-5722	14	3	,	,	PUNCT
easat-5722	14	4	trust	trust	NOUN
easat-5722	14	5	and	and	CCONJ
easat-5722	14	6	bank	bank	NOUN
easat-5722	14	7	brand	brand	NOUN
easat-5722	14	8	image	image	NOUN
easat-5722	14	9	also	also	ADV
easat-5722	14	10	positively	positively	ADV
easat-5722	14	11	influence	influence	VERB
easat-5722	14	12	adoption	adoption	NOUN
easat-5722	14	13	,	,	PUNCT
easat-5722	14	14	though	though	SCONJ
easat-5722	14	15	to	to	ADP
easat-5722	14	16	a	a	DET
easat-5722	14	17	lesser	less	ADJ
easat-5722	14	18	extent	extent	NOUN
easat-5722	14	19	.	.	PUNCT
easat-5722	15	1	the	the	DET
easat-5722	15	2	model	model	NOUN
easat-5722	15	3	explains	explain	VERB
easat-5722	15	4	58.3	58.3	NUM
easat-5722	15	5	%	%	NOUN
easat-5722	15	6	of	of	ADP
easat-5722	15	7	the	the	DET
easat-5722	15	8	variance	variance	NOUN
easat-5722	15	9	in	in	ADP
easat-5722	15	10	adoption	adoption	NOUN
easat-5722	15	11	behavior	behavior	NOUN
easat-5722	15	12	.	.	PUNCT
easat-5722	16	1	moreover	moreover	ADV
easat-5722	16	2	,	,	PUNCT
easat-5722	16	3	perceived	perceive	VERB
easat-5722	16	4	confidence	confidence	NOUN
easat-5722	16	5	and	and	CCONJ
easat-5722	16	6	usefulness	usefulness	NOUN
easat-5722	16	7	emerge	emerge	VERB
easat-5722	16	8	as	as	ADP
easat-5722	16	9	critical	critical	ADJ
easat-5722	16	10	factors	factor	NOUN
easat-5722	16	11	,	,	PUNCT
easat-5722	16	12	underscoring	underscore	VERB
easat-5722	16	13	the	the	DET
easat-5722	16	14	need	need	NOUN
easat-5722	16	15	for	for	ADP
easat-5722	16	16	user	user	NOUN
easat-5722	16	17	-	-	PUNCT
easat-5722	16	18	friendly	friendly	ADJ
easat-5722	16	19	and	and	CCONJ
easat-5722	16	20	beneficial	beneficial	ADJ
easat-5722	16	21	digital	digital	ADJ
easat-5722	16	22	platforms	platform	NOUN
easat-5722	16	23	,	,	PUNCT
easat-5722	16	24	while	while	SCONJ
easat-5722	16	25	cost	cost	NOUN
easat-5722	16	26	and	and	CCONJ
easat-5722	16	27	risk	risk	NOUN
easat-5722	16	28	perceptions	perception	NOUN
easat-5722	16	29	remain	remain	VERB
easat-5722	16	30	barriers	barrier	NOUN
easat-5722	16	31	despite	despite	SCONJ
easat-5722	16	32	recent	recent	ADJ
easat-5722	16	33	fee	fee	NOUN
easat-5722	16	34	reductions	reduction	NOUN
easat-5722	16	35	by	by	ADP
easat-5722	16	36	banks	bank	NOUN
easat-5722	16	37	.	.	PUNCT
easat-5722	17	1	for	for	ADP
easat-5722	17	2	practical	practical	ADJ
easat-5722	17	3	implications	implication	NOUN
easat-5722	17	4	,	,	PUNCT
easat-5722	17	5	vietnamese	vietnamese	ADJ
easat-5722	17	6	banks	bank	NOUN
easat-5722	17	7	should	should	AUX
easat-5722	17	8	enhance	enhance	VERB
easat-5722	17	9	service	service	NOUN
easat-5722	17	10	usefulness	usefulness	NOUN
easat-5722	17	11	,	,	PUNCT
easat-5722	17	12	bolster	bolster	VERB
easat-5722	17	13	customer	customer	NOUN
easat-5722	17	14	confidence	confidence	NOUN
easat-5722	17	15	through	through	ADP
easat-5722	17	16	education	education	NOUN
easat-5722	17	17	,	,	PUNCT
easat-5722	17	18	and	and	CCONJ
easat-5722	17	19	strengthen	strengthen	VERB
easat-5722	17	20	trust	trust	NOUN
easat-5722	17	21	via	via	ADP
easat-5722	17	22	robust	robust	ADJ
easat-5722	17	23	security	security	NOUN
easat-5722	17	24	and	and	CCONJ
easat-5722	17	25	branding	branding	NOUN
easat-5722	17	26	strategies	strategy	NOUN
easat-5722	17	27	to	to	PART
easat-5722	17	28	accelerate	accelerate	VERB
easat-5722	17	29	digital	digital	ADJ
easat-5722	17	30	banking	banking	NOUN
easat-5722	17	31	adoption	adoption	NOUN
easat-5722	17	32	and	and	CCONJ
easat-5722	17	33	support	support	VERB
easat-5722	17	34	a	a	DET
easat-5722	17	35	cashless	cashless	NOUN
easat-5722	17	36	society	society	NOUN
easat-5722	17	37	transition	transition	NOUN
easat-5722	17	38	.	.	PUNCT
easat-5722	18	1	keywords	keyword	NOUN
easat-5722	18	2	:	:	PUNCT
easat-5722	18	3	banks	bank	NOUN
easat-5722	18	4	,	,	PUNCT
easat-5722	18	5	digital	digital	ADJ
easat-5722	18	6	banking	banking	NOUN
easat-5722	18	7	services	service	NOUN
easat-5722	18	8	,	,	PUNCT
easat-5722	18	9	spss	spss	PROPN
easat-5722	18	10	vietnam	vietnam	PROPN
easat-5722	18	11	.	.	PUNCT
easat-5722	19	1	1	1	X
easat-5722	19	2	.	.	X
easat-5722	19	3	introduction	introduction	NOUN
easat-5722	19	4	the	the	DET
easat-5722	19	5	covid-19	covid-19	PROPN
easat-5722	19	6	pandemic	pandemic	NOUN
easat-5722	19	7	acted	act	VERB
easat-5722	19	8	as	as	ADP
easat-5722	19	9	a	a	DET
easat-5722	19	10	critical	critical	ADJ
easat-5722	19	11	catalyst	catalyst	NOUN
easat-5722	19	12	for	for	ADP
easat-5722	19	13	digital	digital	ADJ
easat-5722	19	14	adoption	adoption	NOUN
easat-5722	19	15	.	.	PUNCT
easat-5722	20	1	with	with	ADP
easat-5722	20	2	social	social	ADJ
easat-5722	20	3	distancing	distancing	NOUN
easat-5722	20	4	measures	measure	NOUN
easat-5722	20	5	and	and	CCONJ
easat-5722	20	6	lockdowns	lockdown	NOUN
easat-5722	20	7	fundamentally	fundamentally	ADV
easat-5722	20	8	altering	alter	VERB
easat-5722	20	9	consumer	consumer	NOUN
easat-5722	20	10	behavior	behavior	NOUN
easat-5722	20	11	,	,	PUNCT
easat-5722	20	12	both	both	DET
easat-5722	20	13	banks	bank	NOUN
easat-5722	20	14	and	and	CCONJ
easat-5722	20	15	customers	customer	NOUN
easat-5722	20	16	were	be	AUX
easat-5722	20	17	compelled	compel	VERB
easat-5722	20	18	to	to	PART
easat-5722	20	19	transition	transition	VERB
easat-5722	20	20	from	from	ADP
easat-5722	20	21	physical	physical	ADJ
easat-5722	20	22	to	to	ADP
easat-5722	20	23	digital	digital	ADJ
easat-5722	20	24	banking	banking	NOUN
easat-5722	20	25	channels	channel	NOUN
easat-5722	20	26	.	.	PUNCT
easat-5722	21	1	this	this	DET
easat-5722	21	2	forced	force	VERB
easat-5722	21	3	adaptation	adaptation	NOUN
easat-5722	21	4	not	not	PART
easat-5722	21	5	only	only	ADV
easat-5722	21	6	ensured	ensure	VERB
easat-5722	21	7	continuous	continuous	ADJ
easat-5722	21	8	access	access	NOUN
easat-5722	21	9	to	to	ADP
easat-5722	21	10	essential	essential	ADJ
easat-5722	21	11	financial	financial	ADJ
easat-5722	21	12	services	service	NOUN
easat-5722	21	13	during	during	ADP
easat-5722	21	14	the	the	DET
easat-5722	21	15	crisis	crisis	NOUN
easat-5722	21	16	but	but	CCONJ
easat-5722	21	17	also	also	ADV
easat-5722	21	18	permanently	permanently	ADV
easat-5722	21	19	redefined	redefine	VERB
easat-5722	21	20	customer	customer	NOUN
easat-5722	21	21	expectations	expectation	NOUN
easat-5722	21	22	[	[	X
easat-5722	21	23	1	1	NUM
easat-5722	21	24	]	]	PUNCT
easat-5722	21	25	.	.	PUNCT
easat-5722	22	1	according	accord	VERB
easat-5722	22	2	to	to	ADP
easat-5722	22	3	the	the	DET
easat-5722	22	4	latest	late	ADJ
easat-5722	22	5	data	datum	NOUN
easat-5722	22	6	from	from	ADP
easat-5722	22	7	we	we	PRON
easat-5722	22	8	are	be	AUX
easat-5722	22	9	social	social	ADJ
easat-5722	22	10	’s	’s	PART
easat-5722	22	11	2024	2024	NUM
easat-5722	22	12	vietnam	vietnam	PROPN
easat-5722	22	13	smart	smart	ADJ
easat-5722	22	14	market	market	NOUN
easat-5722	22	15	overview	overview	NOUN
easat-5722	22	16	,	,	PUNCT
easat-5722	22	17	the	the	DET
easat-5722	22	18	country	country	NOUN
easat-5722	22	19	’s	’s	PART
easat-5722	22	20	population	population	NOUN
easat-5722	22	21	is	be	AUX
easat-5722	22	22	now	now	ADV
easat-5722	22	23	estimated	estimate	VERB
easat-5722	22	24	at	at	ADP
easat-5722	22	25	approximately	approximately	ADV
easat-5722	22	26	100	100	NUM
easat-5722	22	27	million	million	NUM
easat-5722	22	28	,	,	PUNCT
easat-5722	22	29	with	with	ADP
easat-5722	22	30	mobile	mobile	ADJ
easat-5722	22	31	subscriptions	subscription	NOUN
easat-5722	22	32	exceeding	exceed	VERB
easat-5722	22	33	160	160	NUM
easat-5722	22	34	million	million	NUM
easat-5722	22	35	,	,	PUNCT
easat-5722	22	36	over	over	ADP
easat-5722	22	37	75	75	NUM
easat-5722	22	38	million	million	NUM
easat-5722	22	39	internet	internet	NOUN
easat-5722	22	40	users	user	NOUN
easat-5722	22	41	(	(	PUNCT
easat-5722	22	42	around	around	ADP
easat-5722	22	43	75	75	NUM
easat-5722	22	44	%	%	NOUN
easat-5722	22	45	penetration	penetration	NOUN
easat-5722	22	46	)	)	PUNCT
easat-5722	22	47	,	,	PUNCT
easat-5722	22	48	and	and	CCONJ
easat-5722	22	49	nearly	nearly	ADV
easat-5722	22	50	80	80	NUM
easat-5722	22	51	million	million	NUM
easat-5722	22	52	social	social	ADJ
easat-5722	22	53	media	medium	NOUN
easat-5722	22	54	accounts	account	NOUN
easat-5722	22	55	(	(	PUNCT
easat-5722	22	56	80	80	NUM
easat-5722	22	57	%	%	NOUN
easat-5722	22	58	penetration	penetration	NOUN
easat-5722	22	59	)	)	PUNCT
easat-5722	22	60	.	.	PUNCT
easat-5722	23	1	these	these	DET
easat-5722	23	2	figures	figure	NOUN
easat-5722	23	3	underscore	underscore	VERB
easat-5722	23	4	the	the	DET
easat-5722	23	5	immense	immense	ADJ
easat-5722	23	6	potential	potential	NOUN
easat-5722	23	7	for	for	ADP
easat-5722	23	8	digital	digital	ADJ
easat-5722	23	9	banking	banking	NOUN
easat-5722	23	10	in	in	ADP
easat-5722	23	11	vietnam	vietnam	PROPN
easat-5722	23	12	and	and	CCONJ
easat-5722	23	13	emphasize	emphasize	VERB
easat-5722	23	14	the	the	DET
easat-5722	23	15	urgent	urgent	ADJ
easat-5722	23	16	need	need	NOUN
easat-5722	23	17	for	for	SCONJ
easat-5722	23	18	banks	bank	NOUN
easat-5722	23	19	to	to	PART
easat-5722	23	20	innovate	innovate	VERB
easat-5722	23	21	and	and	CCONJ
easat-5722	23	22	adapt	adapt	VERB
easat-5722	23	23	in	in	ADP
easat-5722	23	24	a	a	DET
easat-5722	23	25	rapidly	rapidly	ADV
easat-5722	23	26	digitalizing	digitalize	VERB
easat-5722	23	27	market	market	NOUN
easat-5722	23	28	.	.	PUNCT
easat-5722	24	1	despite	despite	SCONJ
easat-5722	24	2	these	these	DET
easat-5722	24	3	promising	promising	ADJ
easat-5722	24	4	developments	development	NOUN
easat-5722	24	5	,	,	PUNCT
easat-5722	24	6	several	several	ADJ
easat-5722	24	7	challenges	challenge	NOUN
easat-5722	24	8	impede	impede	VERB
easat-5722	24	9	the	the	DET
easat-5722	24	10	full	full	ADJ
easat-5722	24	11	-	-	PUNCT
easat-5722	24	12	scale	scale	NOUN
easat-5722	24	13	adoption	adoption	NOUN
easat-5722	24	14	of	of	ADP
easat-5722	24	15	digital	digital	ADJ
easat-5722	24	16	banking	banking	NOUN
easat-5722	24	17	.	.	PUNCT
easat-5722	25	1	barriers	barrier	NOUN
easat-5722	25	2	such	such	ADJ
easat-5722	25	3	as	as	ADP
easat-5722	25	4	limited	limited	ADJ
easat-5722	25	5	digital	digital	ADJ
easat-5722	25	6	literacy	literacy	NOUN
easat-5722	25	7	,	,	PUNCT
easat-5722	25	8	economic	economic	ADJ
easat-5722	25	9	constraints	constraint	NOUN
easat-5722	25	10	affecting	affect	VERB
easat-5722	25	11	access	access	NOUN
easat-5722	25	12	to	to	ADP
easat-5722	25	13	modern	modern	ADJ
easat-5722	25	14	mobile	mobile	ADJ
easat-5722	25	15	devices	device	NOUN
easat-5722	25	16	,	,	PUNCT
easat-5722	25	17	and	and	CCONJ
easat-5722	25	18	persistent	persistent	ADJ
easat-5722	25	19	concerns	concern	NOUN
easat-5722	25	20	over	over	ADP
easat-5722	25	21	cybersecurity	cybersecurity	NOUN
easat-5722	25	22	and	and	CCONJ
easat-5722	25	23	privacy	privacy	NOUN
easat-5722	25	24	continue	continue	VERB
easat-5722	25	25	to	to	PART
easat-5722	25	26	affect	affect	VERB
easat-5722	25	27	consumer	consumer	NOUN
easat-5722	25	28	uptake	uptake	NOUN
easat-5722	25	29	[	[	X
easat-5722	25	30	2	2	NUM
easat-5722	25	31	]	]	PUNCT
easat-5722	25	32	.	.	PUNCT
easat-5722	26	1	moreover	moreover	ADV
easat-5722	26	2	,	,	PUNCT
easat-5722	26	3	longstanding	longstanding	ADJ
easat-5722	26	4	preferences	preference	NOUN
easat-5722	26	5	for	for	ADP
easat-5722	26	6	traditional	traditional	ADJ
easat-5722	26	7	,	,	PUNCT
easat-5722	26	8	cash	cash	NOUN
easat-5722	26	9	-	-	PUNCT
easat-5722	26	10	based	base	VERB
easat-5722	26	11	transactions	transaction	NOUN
easat-5722	26	12	further	far	ADV
easat-5722	26	13	https://orcid.org/0009-0004-0776-2750	https://orcid.org/0009-0004-0776-2750	NOUN
easat-5722	26	14	https://orcid.org/0000-0002-0804-4329	https://orcid.org/0000-0002-0804-4329	PROPN
easat-5722	26	15	https://orcid.org/0009-0009-4417-7522	https://orcid.org/0009-0009-4417-7522	PROPN
easat-5722	26	16	https://orcid.org/0009-0008-8098-2492	https://orcid.org/0009-0008-8098-2492	PROPN
easat-5722	26	17	1955	1955	NUM
easat-5722	26	18	edelweiss	edelweiss	PROPN
easat-5722	26	19	applied	apply	VERB
easat-5722	26	20	science	science	NOUN
easat-5722	26	21	and	and	CCONJ
easat-5722	26	22	technology	technology	NOUN
easat-5722	26	23	issn	issn	PROPN
easat-5722	26	24	:	:	PUNCT
easat-5722	26	25	2576	2576	NUM
easat-5722	26	26	-	-	SYM
easat-5722	26	27	8484	8484	NUM
easat-5722	26	28	vol	vol	NOUN
easat-5722	26	29	.	.	PROPN
easat-5722	27	1	9	9	NUM
easat-5722	27	2	,	,	PUNCT
easat-5722	27	3	no	no	INTJ
easat-5722	27	4	.	.	NOUN
easat-5722	28	1	3	3	NUM
easat-5722	28	2	:	:	SYM
easat-5722	28	3	1954	1954	NUM
easat-5722	28	4	-	-	SYM
easat-5722	28	5	1971	1971	NUM
easat-5722	28	6	,	,	PUNCT
easat-5722	28	7	2024	2024	NUM
easat-5722	28	8	doi	doi	NOUN
easat-5722	28	9	:	:	PUNCT
easat-5722	28	10	10.55214/25768484.v9i3.5722	10.55214/25768484.v9i3.5722	NUM
easat-5722	28	11	©	©	PROPN
easat-5722	28	12	2025	2025	NUM
easat-5722	28	13	by	by	ADP
easat-5722	28	14	the	the	DET
easat-5722	28	15	authors	author	NOUN
easat-5722	28	16	;	;	PUNCT
easat-5722	28	17	licensee	licensee	PROPN
easat-5722	28	18	learning	learn	VERB
easat-5722	28	19	gate	gate	NOUN
easat-5722	28	20	complicate	complicate	VERB
easat-5722	28	21	the	the	DET
easat-5722	28	22	transition	transition	NOUN
easat-5722	28	23	to	to	ADP
easat-5722	28	24	digital	digital	ADJ
easat-5722	28	25	services	service	NOUN
easat-5722	28	26	.	.	PUNCT
easat-5722	29	1	consequently	consequently	ADV
easat-5722	29	2	,	,	PUNCT
easat-5722	29	3	identifying	identify	VERB
easat-5722	29	4	the	the	DET
easat-5722	29	5	determinants	determinant	NOUN
easat-5722	29	6	that	that	PRON
easat-5722	29	7	influence	influence	VERB
easat-5722	29	8	individual	individual	ADJ
easat-5722	29	9	customers	customer	NOUN
easat-5722	29	10	’	’	PART
easat-5722	29	11	decisions	decision	NOUN
easat-5722	29	12	to	to	PART
easat-5722	29	13	adopt	adopt	VERB
easat-5722	29	14	digital	digital	ADJ
easat-5722	29	15	banking	banking	NOUN
easat-5722	29	16	is	be	AUX
easat-5722	29	17	critical	critical	ADJ
easat-5722	29	18	for	for	ADP
easat-5722	29	19	both	both	CCONJ
easat-5722	29	20	academic	academic	ADJ
easat-5722	29	21	research	research	NOUN
easat-5722	29	22	and	and	CCONJ
easat-5722	29	23	practical	practical	ADJ
easat-5722	29	24	strategy	strategy	NOUN
easat-5722	29	25	formulation	formulation	NOUN
easat-5722	29	26	.	.	PUNCT
easat-5722	30	1	the	the	DET
easat-5722	30	2	benefits	benefit	NOUN
easat-5722	30	3	of	of	ADP
easat-5722	30	4	digital	digital	ADJ
easat-5722	30	5	banking	banking	NOUN
easat-5722	30	6	extend	extend	VERB
easat-5722	30	7	well	well	ADV
easat-5722	30	8	beyond	beyond	ADP
easat-5722	30	9	mere	mere	ADJ
easat-5722	30	10	transactional	transactional	ADJ
easat-5722	30	11	convenience	convenience	NOUN
easat-5722	30	12	.	.	PUNCT
easat-5722	31	1	for	for	ADP
easat-5722	31	2	customers	customer	NOUN
easat-5722	31	3	,	,	PUNCT
easat-5722	31	4	digital	digital	ADJ
easat-5722	31	5	platforms	platform	NOUN
easat-5722	31	6	provide	provide	VERB
easat-5722	31	7	the	the	DET
easat-5722	31	8	flexibility	flexibility	NOUN
easat-5722	31	9	to	to	PART
easat-5722	31	10	conduct	conduct	VERB
easat-5722	31	11	transactions	transaction	NOUN
easat-5722	31	12	anytime	anytime	ADV
easat-5722	31	13	and	and	CCONJ
easat-5722	31	14	anywhere	anywhere	ADV
easat-5722	31	15	,	,	PUNCT
easat-5722	31	16	enhanced	enhance	VERB
easat-5722	31	17	security	security	NOUN
easat-5722	31	18	features	feature	NOUN
easat-5722	31	19	,	,	PUNCT
easat-5722	31	20	and	and	CCONJ
easat-5722	31	21	a	a	DET
easat-5722	31	22	more	more	ADV
easat-5722	31	23	personalized	personalized	ADJ
easat-5722	31	24	banking	banking	NOUN
easat-5722	31	25	experience	experience	NOUN
easat-5722	31	26	.	.	PUNCT
easat-5722	32	1	for	for	ADP
easat-5722	32	2	financial	financial	ADJ
easat-5722	32	3	institutions	institution	NOUN
easat-5722	32	4	,	,	PUNCT
easat-5722	32	5	digitalization	digitalization	NOUN
easat-5722	32	6	facilitates	facilitate	VERB
easat-5722	32	7	the	the	DET
easat-5722	32	8	expansion	expansion	NOUN
easat-5722	32	9	of	of	ADP
easat-5722	32	10	service	service	NOUN
easat-5722	32	11	networks	network	NOUN
easat-5722	32	12	,	,	PUNCT
easat-5722	32	13	reduction	reduction	NOUN
easat-5722	32	14	in	in	ADP
easat-5722	32	15	operational	operational	ADJ
easat-5722	32	16	costs	cost	NOUN
easat-5722	32	17	,	,	PUNCT
easat-5722	32	18	and	and	CCONJ
easat-5722	32	19	improved	improve	VERB
easat-5722	32	20	customer	customer	NOUN
easat-5722	32	21	retention	retention	NOUN
easat-5722	32	22	strategies	strategy	NOUN
easat-5722	32	23	[	[	X
easat-5722	32	24	3	3	NUM
easat-5722	32	25	]	]	PUNCT
easat-5722	32	26	.	.	PUNCT
easat-5722	33	1	in	in	ADP
easat-5722	33	2	today	today	NOUN
easat-5722	33	3	’s	’s	PART
easat-5722	33	4	competitive	competitive	ADJ
easat-5722	33	5	banking	banking	NOUN
easat-5722	33	6	environment	environment	NOUN
easat-5722	33	7	,	,	PUNCT
easat-5722	33	8	the	the	DET
easat-5722	33	9	post	post	ADJ
easat-5722	33	10	-	-	ADJ
easat-5722	33	11	pandemic	pandemic	ADJ
easat-5722	33	12	economic	economic	ADJ
easat-5722	33	13	landscape	landscape	NOUN
easat-5722	33	14	has	have	AUX
easat-5722	33	15	compelled	compel	VERB
easat-5722	33	16	banks	bank	NOUN
easat-5722	33	17	to	to	PART
easat-5722	33	18	continually	continually	ADV
easat-5722	33	19	refine	refine	VERB
easat-5722	33	20	their	their	PRON
easat-5722	33	21	digital	digital	ADJ
easat-5722	33	22	strategies	strategy	NOUN
easat-5722	33	23	to	to	PART
easat-5722	33	24	attract	attract	VERB
easat-5722	33	25	and	and	CCONJ
easat-5722	33	26	retain	retain	VERB
easat-5722	33	27	a	a	DET
easat-5722	33	28	techsavvy	techsavvy	ADJ
easat-5722	33	29	clientele	clientele	NOUN
easat-5722	33	30	.	.	PUNCT
easat-5722	34	1	recent	recent	ADJ
easat-5722	34	2	studies	study	NOUN
easat-5722	34	3	have	have	AUX
easat-5722	34	4	demonstrated	demonstrate	VERB
easat-5722	34	5	that	that	SCONJ
easat-5722	34	6	factors	factor	NOUN
easat-5722	34	7	such	such	ADJ
easat-5722	34	8	as	as	ADP
easat-5722	34	9	perceived	perceive	VERB
easat-5722	34	10	usefulness	usefulness	NOUN
easat-5722	34	11	,	,	PUNCT
easat-5722	34	12	ease	ease	NOUN
easat-5722	34	13	of	of	ADP
easat-5722	34	14	use	use	NOUN
easat-5722	34	15	,	,	PUNCT
easat-5722	34	16	trust	trust	NOUN
easat-5722	34	17	in	in	ADP
easat-5722	34	18	digital	digital	ADJ
easat-5722	34	19	platforms	platform	NOUN
easat-5722	34	20	,	,	PUNCT
easat-5722	34	21	and	and	CCONJ
easat-5722	34	22	the	the	DET
easat-5722	34	23	effectiveness	effectiveness	NOUN
easat-5722	34	24	of	of	ADP
easat-5722	34	25	promotional	promotional	ADJ
easat-5722	34	26	incentives	incentive	NOUN
easat-5722	34	27	play	play	VERB
easat-5722	34	28	pivotal	pivotal	ADJ
easat-5722	34	29	roles	role	NOUN
easat-5722	34	30	in	in	ADP
easat-5722	34	31	shaping	shape	VERB
easat-5722	34	32	consumer	consumer	NOUN
easat-5722	34	33	adoption	adoption	NOUN
easat-5722	34	34	of	of	ADP
easat-5722	34	35	digital	digital	ADJ
easat-5722	34	36	banking	banking	NOUN
easat-5722	34	37	services	service	NOUN
easat-5722	34	38	[	[	X
easat-5722	34	39	4	4	NUM
easat-5722	34	40	,	,	PUNCT
easat-5722	34	41	5	5	NUM
easat-5722	34	42	]	]	PUNCT
easat-5722	34	43	.	.	PUNCT
easat-5722	35	1	international	international	ADJ
easat-5722	35	2	research	research	NOUN
easat-5722	35	3	on	on	ADP
easat-5722	35	4	electronic	electronic	ADJ
easat-5722	35	5	banking	banking	NOUN
easat-5722	35	6	(	(	PUNCT
easat-5722	35	7	e	e	NOUN
easat-5722	35	8	-	-	NOUN
easat-5722	35	9	banking	banking	NOUN
easat-5722	35	10	)	)	PUNCT
easat-5722	35	11	consistently	consistently	ADV
easat-5722	35	12	highlights	highlight	VERB
easat-5722	35	13	the	the	DET
easat-5722	35	14	importance	importance	NOUN
easat-5722	35	15	of	of	ADP
easat-5722	35	16	convenience	convenience	NOUN
easat-5722	35	17	,	,	PUNCT
easat-5722	35	18	perceived	perceive	VERB
easat-5722	35	19	security	security	NOUN
easat-5722	35	20	,	,	PUNCT
easat-5722	35	21	system	system	NOUN
easat-5722	35	22	reliability	reliability	NOUN
easat-5722	35	23	,	,	PUNCT
easat-5722	35	24	and	and	CCONJ
easat-5722	35	25	user	user	NOUN
easat-5722	35	26	attitudes	attitude	NOUN
easat-5722	35	27	as	as	ADP
easat-5722	35	28	key	key	ADJ
easat-5722	35	29	determinants	determinant	NOUN
easat-5722	35	30	of	of	ADP
easat-5722	35	31	digital	digital	ADJ
easat-5722	35	32	banking	banking	NOUN
easat-5722	35	33	adoption	adoption	NOUN
easat-5722	35	34	[	[	X
easat-5722	35	35	6	6	NUM
easat-5722	35	36	]	]	PUNCT
easat-5722	35	37	.	.	PUNCT
easat-5722	36	1	however	however	ADV
easat-5722	36	2	,	,	PUNCT
easat-5722	36	3	the	the	DET
easat-5722	36	4	unique	unique	ADJ
easat-5722	36	5	socio	socio	NOUN
easat-5722	36	6	-	-	PUNCT
easat-5722	36	7	economic	economic	ADJ
easat-5722	36	8	and	and	CCONJ
easat-5722	36	9	cultural	cultural	ADJ
easat-5722	36	10	context	context	NOUN
easat-5722	36	11	of	of	ADP
easat-5722	36	12	vietnam	vietnam	PROPN
easat-5722	36	13	necessitates	necessitate	VERB
easat-5722	36	14	a	a	DET
easat-5722	36	15	localized	localized	ADJ
easat-5722	36	16	examination	examination	NOUN
easat-5722	36	17	of	of	ADP
easat-5722	36	18	these	these	DET
easat-5722	36	19	factors	factor	NOUN
easat-5722	36	20	.	.	PUNCT
easat-5722	37	1	although	although	SCONJ
easat-5722	37	2	domestic	domestic	ADJ
easat-5722	37	3	research	research	NOUN
easat-5722	37	4	on	on	ADP
easat-5722	37	5	e	e	NOUN
easat-5722	37	6	-	-	NOUN
easat-5722	37	7	banking	banking	NOUN
easat-5722	37	8	has	have	AUX
easat-5722	37	9	expanded	expand	VERB
easat-5722	37	10	in	in	ADP
easat-5722	37	11	recent	recent	ADJ
easat-5722	37	12	years	year	NOUN
easat-5722	37	13	,	,	PUNCT
easat-5722	37	14	significant	significant	ADJ
easat-5722	37	15	gaps	gap	NOUN
easat-5722	37	16	remain	remain	VERB
easat-5722	37	17	in	in	ADP
easat-5722	37	18	studies	study	NOUN
easat-5722	37	19	that	that	PRON
easat-5722	37	20	specifically	specifically	ADV
easat-5722	37	21	address	address	VERB
easat-5722	37	22	the	the	DET
easat-5722	37	23	determinants	determinant	NOUN
easat-5722	37	24	influencing	influence	VERB
easat-5722	37	25	digital	digital	ADJ
easat-5722	37	26	banking	banking	NOUN
easat-5722	37	27	adoption	adoption	NOUN
easat-5722	37	28	among	among	ADP
easat-5722	37	29	individual	individual	ADJ
easat-5722	37	30	customers	customer	NOUN
easat-5722	37	31	in	in	ADP
easat-5722	37	32	vietnamese	vietnamese	ADJ
easat-5722	37	33	commercial	commercial	ADJ
easat-5722	37	34	banks	bank	NOUN
easat-5722	37	35	[	[	X
easat-5722	37	36	7	7	NUM
easat-5722	37	37	]	]	PUNCT
easat-5722	37	38	.	.	PUNCT
easat-5722	38	1	given	give	VERB
easat-5722	38	2	the	the	DET
easat-5722	38	3	rapid	rapid	ADJ
easat-5722	38	4	pace	pace	NOUN
easat-5722	38	5	of	of	ADP
easat-5722	38	6	technological	technological	ADJ
easat-5722	38	7	and	and	CCONJ
easat-5722	38	8	societal	societal	ADJ
easat-5722	38	9	change	change	NOUN
easat-5722	38	10	,	,	PUNCT
easat-5722	38	11	an	an	DET
easat-5722	38	12	updated	update	VERB
easat-5722	38	13	investigation	investigation	NOUN
easat-5722	38	14	that	that	PRON
easat-5722	38	15	incorporates	incorporate	VERB
easat-5722	38	16	recent	recent	ADJ
easat-5722	38	17	data	datum	NOUN
easat-5722	38	18	and	and	CCONJ
easat-5722	38	19	theoretical	theoretical	ADJ
easat-5722	38	20	advancements	advancement	NOUN
easat-5722	38	21	is	be	AUX
easat-5722	38	22	both	both	PRON
easat-5722	38	23	timely	timely	ADJ
easat-5722	38	24	and	and	CCONJ
easat-5722	38	25	essential	essential	ADJ
easat-5722	38	26	.	.	PUNCT
easat-5722	39	1	in	in	ADP
easat-5722	39	2	response	response	NOUN
easat-5722	39	3	to	to	ADP
easat-5722	39	4	this	this	DET
easat-5722	39	5	research	research	NOUN
easat-5722	39	6	gap	gap	NOUN
easat-5722	39	7	,	,	PUNCT
easat-5722	39	8	the	the	DET
easat-5722	39	9	present	present	ADJ
easat-5722	39	10	study	study	NOUN
easat-5722	39	11	aims	aim	VERB
easat-5722	39	12	to	to	PART
easat-5722	39	13	develop	develop	VERB
easat-5722	39	14	an	an	DET
easat-5722	39	15	integrative	integrative	ADJ
easat-5722	39	16	model	model	NOUN
easat-5722	39	17	that	that	PRON
easat-5722	39	18	elucidates	elucidate	VERB
easat-5722	39	19	the	the	DET
easat-5722	39	20	determinants	determinant	NOUN
easat-5722	39	21	of	of	ADP
easat-5722	39	22	digital	digital	ADJ
easat-5722	39	23	banking	banking	NOUN
easat-5722	39	24	adoption	adoption	NOUN
easat-5722	39	25	among	among	ADP
easat-5722	39	26	individual	individual	ADJ
easat-5722	39	27	customers	customer	NOUN
easat-5722	39	28	at	at	ADP
easat-5722	39	29	vietnamese	vietnamese	ADJ
easat-5722	39	30	commercial	commercial	ADJ
easat-5722	39	31	banks	bank	NOUN
easat-5722	39	32	.	.	PUNCT
easat-5722	40	1	this	this	DET
easat-5722	40	2	model	model	NOUN
easat-5722	40	3	synthesizes	synthesize	VERB
easat-5722	40	4	insights	insight	NOUN
easat-5722	40	5	from	from	ADP
easat-5722	40	6	both	both	DET
easat-5722	40	7	intrinsic	intrinsic	ADJ
easat-5722	40	8	factors	factor	NOUN
easat-5722	40	9	—	—	PUNCT
easat-5722	40	10	such	such	ADJ
easat-5722	40	11	as	as	ADP
easat-5722	40	12	perceived	perceive	VERB
easat-5722	40	13	ease	ease	NOUN
easat-5722	40	14	of	of	ADP
easat-5722	40	15	use	use	NOUN
easat-5722	40	16	,	,	PUNCT
easat-5722	40	17	security	security	NOUN
easat-5722	40	18	,	,	PUNCT
easat-5722	40	19	and	and	CCONJ
easat-5722	40	20	trust	trust	NOUN
easat-5722	40	21	—	—	PUNCT
easat-5722	40	22	and	and	CCONJ
easat-5722	40	23	extrinsic	extrinsic	ADJ
easat-5722	40	24	factors	factor	NOUN
easat-5722	40	25	,	,	PUNCT
easat-5722	40	26	including	include	VERB
easat-5722	40	27	promotional	promotional	ADJ
easat-5722	40	28	policies	policy	NOUN
easat-5722	40	29	,	,	PUNCT
easat-5722	40	30	media	medium	NOUN
easat-5722	40	31	influence	influence	NOUN
easat-5722	40	32	,	,	PUNCT
easat-5722	40	33	and	and	CCONJ
easat-5722	40	34	broader	broad	ADJ
easat-5722	40	35	socio	socio	NOUN
easat-5722	40	36	-	-	PUNCT
easat-5722	40	37	economic	economic	ADJ
easat-5722	40	38	dynamics	dynamic	NOUN
easat-5722	40	39	.	.	PUNCT
easat-5722	41	1	by	by	ADP
easat-5722	41	2	empirically	empirically	ADV
easat-5722	41	3	testing	test	VERB
easat-5722	41	4	this	this	DET
easat-5722	41	5	model	model	NOUN
easat-5722	41	6	with	with	ADP
easat-5722	41	7	up	up	ADP
easat-5722	41	8	-	-	PUNCT
easat-5722	41	9	to	to	ADP
easat-5722	41	10	-	-	PUNCT
easat-5722	41	11	date	date	NOUN
easat-5722	41	12	data	datum	NOUN
easat-5722	41	13	,	,	PUNCT
easat-5722	41	14	the	the	DET
easat-5722	41	15	study	study	NOUN
easat-5722	41	16	seeks	seek	VERB
easat-5722	41	17	to	to	PART
easat-5722	41	18	provide	provide	VERB
easat-5722	41	19	actionable	actionable	ADJ
easat-5722	41	20	insights	insight	NOUN
easat-5722	41	21	that	that	PRON
easat-5722	41	22	can	can	AUX
easat-5722	41	23	inform	inform	VERB
easat-5722	41	24	policy	policy	NOUN
easat-5722	41	25	-	-	PUNCT
easat-5722	41	26	making	make	VERB
easat-5722	41	27	and	and	CCONJ
easat-5722	41	28	strategic	strategic	ADJ
easat-5722	41	29	decisions	decision	NOUN
easat-5722	41	30	,	,	PUNCT
easat-5722	41	31	ultimately	ultimately	ADV
easat-5722	41	32	facilitating	facilitate	VERB
easat-5722	41	33	a	a	DET
easat-5722	41	34	smoother	smooth	ADJ
easat-5722	41	35	transition	transition	NOUN
easat-5722	41	36	towards	towards	ADP
easat-5722	41	37	a	a	DET
easat-5722	41	38	cashless	cashless	NOUN
easat-5722	41	39	society	society	NOUN
easat-5722	41	40	.	.	PUNCT
easat-5722	42	1	as	as	SCONJ
easat-5722	42	2	the	the	DET
easat-5722	42	3	banking	banking	NOUN
easat-5722	42	4	sector	sector	NOUN
easat-5722	42	5	navigates	navigate	VERB
easat-5722	42	6	the	the	DET
easat-5722	42	7	dual	dual	ADJ
easat-5722	42	8	challenges	challenge	NOUN
easat-5722	42	9	and	and	CCONJ
easat-5722	42	10	opportunities	opportunity	NOUN
easat-5722	42	11	presented	present	VERB
easat-5722	42	12	by	by	ADP
easat-5722	42	13	digital	digital	ADJ
easat-5722	42	14	transformation	transformation	NOUN
easat-5722	42	15	,	,	PUNCT
easat-5722	42	16	continuous	continuous	ADJ
easat-5722	42	17	assessment	assessment	NOUN
easat-5722	42	18	and	and	CCONJ
easat-5722	42	19	adaptation	adaptation	NOUN
easat-5722	42	20	of	of	ADP
easat-5722	42	21	digital	digital	ADJ
easat-5722	42	22	strategies	strategy	NOUN
easat-5722	42	23	are	be	AUX
easat-5722	42	24	imperative	imperative	ADJ
easat-5722	42	25	.	.	PUNCT
easat-5722	43	1	the	the	DET
easat-5722	43	2	findings	finding	NOUN
easat-5722	43	3	from	from	ADP
easat-5722	43	4	this	this	DET
easat-5722	43	5	study	study	NOUN
easat-5722	43	6	are	be	AUX
easat-5722	43	7	expected	expect	VERB
easat-5722	43	8	to	to	PART
easat-5722	43	9	contribute	contribute	VERB
easat-5722	43	10	significantly	significantly	ADV
easat-5722	43	11	to	to	ADP
easat-5722	43	12	the	the	DET
easat-5722	43	13	academic	academic	ADJ
easat-5722	43	14	discourse	discourse	NOUN
easat-5722	43	15	on	on	ADP
easat-5722	43	16	digital	digital	ADJ
easat-5722	43	17	banking	banking	NOUN
easat-5722	43	18	while	while	SCONJ
easat-5722	43	19	offering	offer	VERB
easat-5722	43	20	practical	practical	ADJ
easat-5722	43	21	recommendations	recommendation	NOUN
easat-5722	43	22	for	for	ADP
easat-5722	43	23	bank	bank	NOUN
easat-5722	43	24	managers	manager	NOUN
easat-5722	43	25	and	and	CCONJ
easat-5722	43	26	policymakers	policymaker	NOUN
easat-5722	43	27	.	.	PUNCT
easat-5722	44	1	by	by	ADP
easat-5722	44	2	addressing	address	VERB
easat-5722	44	3	both	both	CCONJ
easat-5722	44	4	the	the	DET
easat-5722	44	5	theoretical	theoretical	ADJ
easat-5722	44	6	and	and	CCONJ
easat-5722	44	7	practical	practical	ADJ
easat-5722	44	8	dimensions	dimension	NOUN
easat-5722	44	9	of	of	ADP
easat-5722	44	10	digital	digital	ADJ
easat-5722	44	11	banking	banking	NOUN
easat-5722	44	12	adoption	adoption	NOUN
easat-5722	44	13	,	,	PUNCT
easat-5722	44	14	this	this	DET
easat-5722	44	15	research	research	NOUN
easat-5722	44	16	aims	aim	VERB
easat-5722	44	17	to	to	PART
easat-5722	44	18	enhance	enhance	VERB
easat-5722	44	19	our	our	PRON
easat-5722	44	20	understanding	understanding	NOUN
easat-5722	44	21	of	of	ADP
easat-5722	44	22	consumer	consumer	NOUN
easat-5722	44	23	behavior	behavior	NOUN
easat-5722	44	24	in	in	ADP
easat-5722	44	25	the	the	DET
easat-5722	44	26	digital	digital	ADJ
easat-5722	44	27	era	era	NOUN
easat-5722	44	28	and	and	CCONJ
easat-5722	44	29	support	support	VERB
easat-5722	44	30	the	the	DET
easat-5722	44	31	development	development	NOUN
easat-5722	44	32	of	of	ADP
easat-5722	44	33	more	more	ADV
easat-5722	44	34	effective	effective	ADJ
easat-5722	44	35	,	,	PUNCT
easat-5722	44	36	secure	secure	ADJ
easat-5722	44	37	,	,	PUNCT
easat-5722	44	38	and	and	CCONJ
easat-5722	44	39	customer	customer	NOUN
easat-5722	44	40	-	-	PUNCT
easat-5722	44	41	centric	centric	ADJ
easat-5722	44	42	digital	digital	ADJ
easat-5722	44	43	banking	banking	NOUN
easat-5722	44	44	services	service	NOUN
easat-5722	44	45	.	.	PUNCT
easat-5722	45	1	in	in	ADP
easat-5722	45	2	conclusion	conclusion	NOUN
easat-5722	45	3	,	,	PUNCT
easat-5722	45	4	investigating	investigate	VERB
easat-5722	45	5	the	the	DET
easat-5722	45	6	determinants	determinant	NOUN
easat-5722	45	7	of	of	ADP
easat-5722	45	8	digital	digital	ADJ
easat-5722	45	9	banking	banking	NOUN
easat-5722	45	10	adoption	adoption	NOUN
easat-5722	45	11	among	among	ADP
easat-5722	45	12	individual	individual	ADJ
easat-5722	45	13	customers	customer	NOUN
easat-5722	45	14	at	at	ADP
easat-5722	45	15	vietnamese	vietnamese	ADJ
easat-5722	45	16	commercial	commercial	ADJ
easat-5722	45	17	banks	bank	NOUN
easat-5722	45	18	is	be	AUX
easat-5722	45	19	both	both	PRON
easat-5722	45	20	timely	timely	ADJ
easat-5722	45	21	and	and	CCONJ
easat-5722	45	22	significant	significant	ADJ
easat-5722	45	23	.	.	PUNCT
easat-5722	46	1	in	in	ADP
easat-5722	46	2	a	a	DET
easat-5722	46	3	rapidly	rapidly	ADV
easat-5722	46	4	evolving	evolve	VERB
easat-5722	46	5	digital	digital	ADJ
easat-5722	46	6	landscape	landscape	NOUN
easat-5722	46	7	characterized	characterize	VERB
easat-5722	46	8	by	by	ADP
easat-5722	46	9	technological	technological	ADJ
easat-5722	46	10	innovation	innovation	NOUN
easat-5722	46	11	and	and	CCONJ
easat-5722	46	12	shifting	shift	VERB
easat-5722	46	13	consumer	consumer	NOUN
easat-5722	46	14	behaviors	behavior	NOUN
easat-5722	46	15	,	,	PUNCT
easat-5722	46	16	this	this	DET
easat-5722	46	17	research	research	NOUN
easat-5722	46	18	provides	provide	VERB
easat-5722	46	19	a	a	DET
easat-5722	46	20	critical	critical	ADJ
easat-5722	46	21	framework	framework	NOUN
easat-5722	46	22	for	for	ADP
easat-5722	46	23	understanding	understand	VERB
easat-5722	46	24	the	the	DET
easat-5722	46	25	multifaceted	multifaceted	ADJ
easat-5722	46	26	factors	factor	NOUN
easat-5722	46	27	influencing	influence	VERB
easat-5722	46	28	digital	digital	ADJ
easat-5722	46	29	banking	banking	NOUN
easat-5722	46	30	adoption	adoption	NOUN
easat-5722	46	31	.	.	PUNCT
easat-5722	47	1	the	the	DET
easat-5722	47	2	insights	insight	NOUN
easat-5722	47	3	garnered	garner	VERB
easat-5722	47	4	from	from	ADP
easat-5722	47	5	this	this	DET
easat-5722	47	6	study	study	NOUN
easat-5722	47	7	will	will	AUX
easat-5722	47	8	not	not	PART
easat-5722	47	9	only	only	ADV
easat-5722	47	10	enrich	enrich	VERB
easat-5722	47	11	the	the	DET
easat-5722	47	12	existing	exist	VERB
easat-5722	47	13	body	body	NOUN
easat-5722	47	14	of	of	ADP
easat-5722	47	15	literature	literature	NOUN
easat-5722	47	16	but	but	CCONJ
easat-5722	47	17	also	also	ADV
easat-5722	47	18	serve	serve	VERB
easat-5722	47	19	as	as	ADP
easat-5722	47	20	a	a	DET
easat-5722	47	21	strategic	strategic	ADJ
easat-5722	47	22	guide	guide	NOUN
easat-5722	47	23	for	for	ADP
easat-5722	47	24	the	the	DET
easat-5722	47	25	continued	continue	VERB
easat-5722	47	26	digital	digital	ADJ
easat-5722	47	27	transformation	transformation	NOUN
easat-5722	47	28	of	of	ADP
easat-5722	47	29	vietnam	vietnam	PROPN
easat-5722	47	30	’s	’s	PART
easat-5722	47	31	banking	banking	NOUN
easat-5722	47	32	sector	sector	NOUN
easat-5722	47	33	as	as	SCONJ
easat-5722	47	34	it	it	PRON
easat-5722	47	35	adapts	adapt	VERB
easat-5722	47	36	to	to	ADP
easat-5722	47	37	the	the	DET
easat-5722	47	38	demands	demand	NOUN
easat-5722	47	39	of	of	ADP
easat-5722	47	40	the	the	DET
easat-5722	47	41	modern	modern	ADJ
easat-5722	47	42	economy	economy	NOUN
easat-5722	47	43	.	.	PUNCT
easat-5722	48	1	2	2	X
easat-5722	48	2	.	.	X
easat-5722	48	3	literature	literature	NOUN
easat-5722	48	4	review	review	NOUN
easat-5722	48	5	in	in	ADP
easat-5722	48	6	the	the	DET
easat-5722	48	7	rapidly	rapidly	ADV
easat-5722	48	8	evolving	evolve	VERB
easat-5722	48	9	digital	digital	ADJ
easat-5722	48	10	age	age	NOUN
easat-5722	48	11	,	,	PUNCT
easat-5722	48	12	the	the	DET
easat-5722	48	13	banking	banking	NOUN
easat-5722	48	14	sector	sector	NOUN
easat-5722	48	15	worldwide	worldwide	ADV
easat-5722	48	16	has	have	AUX
easat-5722	48	17	been	be	AUX
easat-5722	48	18	compelled	compel	VERB
easat-5722	48	19	to	to	PART
easat-5722	48	20	shift	shift	VERB
easat-5722	48	21	from	from	ADP
easat-5722	48	22	traditional	traditional	ADJ
easat-5722	48	23	,	,	PUNCT
easat-5722	48	24	branch	branch	NOUN
easat-5722	48	25	-	-	PUNCT
easat-5722	48	26	based	base	VERB
easat-5722	48	27	services	service	NOUN
easat-5722	48	28	to	to	ADP
easat-5722	48	29	digital	digital	ADJ
easat-5722	48	30	platforms	platform	NOUN
easat-5722	48	31	.	.	PUNCT
easat-5722	49	1	this	this	DET
easat-5722	49	2	transformation	transformation	NOUN
easat-5722	49	3	is	be	AUX
easat-5722	49	4	driven	drive	VERB
easat-5722	49	5	by	by	ADP
easat-5722	49	6	global	global	ADJ
easat-5722	49	7	trends	trend	NOUN
easat-5722	49	8	in	in	ADP
easat-5722	49	9	technological	technological	ADJ
easat-5722	49	10	innovation	innovation	NOUN
easat-5722	49	11	,	,	PUNCT
easat-5722	49	12	increasing	increase	VERB
easat-5722	49	13	internet	internet	NOUN
easat-5722	49	14	penetration	penetration	NOUN
easat-5722	49	15	,	,	PUNCT
easat-5722	49	16	and	and	CCONJ
easat-5722	49	17	changes	change	NOUN
easat-5722	49	18	in	in	ADP
easat-5722	49	19	customer	customer	NOUN
easat-5722	49	20	behavior	behavior	NOUN
easat-5722	49	21	—	—	PUNCT
easat-5722	49	22	especially	especially	ADV
easat-5722	49	23	following	follow	VERB
easat-5722	49	24	disruptions	disruption	NOUN
easat-5722	49	25	such	such	ADJ
easat-5722	49	26	as	as	ADP
easat-5722	49	27	the	the	DET
easat-5722	49	28	covid-19	covid-19	PROPN
easat-5722	49	29	pandemic	pandemic	NOUN
easat-5722	49	30	.	.	PUNCT
easat-5722	50	1	in	in	ADP
easat-5722	50	2	vietnam	vietnam	PROPN
easat-5722	50	3	,	,	PUNCT
easat-5722	50	4	these	these	DET
easat-5722	50	5	shifts	shift	NOUN
easat-5722	50	6	are	be	AUX
easat-5722	50	7	pronounced	pronounce	VERB
easat-5722	50	8	,	,	PUNCT
easat-5722	50	9	and	and	CCONJ
easat-5722	50	10	both	both	CCONJ
easat-5722	50	11	domestic	domestic	ADJ
easat-5722	50	12	and	and	CCONJ
easat-5722	50	13	international	international	ADJ
easat-5722	50	14	research	research	NOUN
easat-5722	50	15	has	have	AUX
easat-5722	50	16	demonstrated	demonstrate	VERB
easat-5722	50	17	that	that	SCONJ
easat-5722	50	18	digital	digital	ADJ
easat-5722	50	19	banking	banking	NOUN
easat-5722	50	20	adoption	adoption	NOUN
easat-5722	50	21	is	be	AUX
easat-5722	50	22	influenced	influence	VERB
easat-5722	50	23	by	by	ADP
easat-5722	50	24	multiple	multiple	ADJ
easat-5722	50	25	technological	technological	ADJ
easat-5722	50	26	,	,	PUNCT
easat-5722	50	27	psychological	psychological	ADJ
easat-5722	50	28	,	,	PUNCT
easat-5722	50	29	and	and	CCONJ
easat-5722	50	30	socio	socio	NOUN
easat-5722	50	31	-	-	PUNCT
easat-5722	50	32	economic	economic	ADJ
easat-5722	50	33	factors	factor	NOUN
easat-5722	51	1	[	[	X
easat-5722	51	2	6	6	NUM
easat-5722	51	3	-	-	SYM
easat-5722	51	4	8	8	NUM
easat-5722	51	5	]	]	PUNCT
easat-5722	51	6	.	.	PUNCT
easat-5722	52	1	to	to	PART
easat-5722	52	2	develop	develop	VERB
easat-5722	52	3	a	a	DET
easat-5722	52	4	comprehensive	comprehensive	ADJ
easat-5722	52	5	model	model	NOUN
easat-5722	52	6	that	that	PRON
easat-5722	52	7	explains	explain	VERB
easat-5722	52	8	digital	digital	ADJ
easat-5722	52	9	banking	banking	NOUN
easat-5722	52	10	adoption	adoption	NOUN
easat-5722	52	11	in	in	ADP
easat-5722	52	12	the	the	DET
easat-5722	52	13	vietnamese	vietnamese	ADJ
easat-5722	52	14	context	context	NOUN
easat-5722	52	15	,	,	PUNCT
easat-5722	52	16	this	this	DET
easat-5722	52	17	literature	literature	NOUN
easat-5722	52	18	1956	1956	NUM
easat-5722	52	19	edelweiss	edelweiss	PROPN
easat-5722	52	20	applied	apply	VERB
easat-5722	52	21	science	science	NOUN
easat-5722	52	22	and	and	CCONJ
easat-5722	52	23	technology	technology	NOUN
easat-5722	52	24	issn	issn	PROPN
easat-5722	52	25	:	:	PUNCT
easat-5722	52	26	2576	2576	NUM
easat-5722	52	27	-	-	SYM
easat-5722	52	28	8484	8484	NUM
easat-5722	52	29	vol	vol	NOUN
easat-5722	52	30	.	.	PROPN
easat-5722	53	1	9	9	NUM
easat-5722	53	2	,	,	PUNCT
easat-5722	53	3	no	no	INTJ
easat-5722	53	4	.	.	NOUN
easat-5722	54	1	3	3	NUM
easat-5722	54	2	:	:	SYM
easat-5722	54	3	1954	1954	NUM
easat-5722	54	4	-	-	SYM
easat-5722	54	5	1971	1971	NUM
easat-5722	54	6	,	,	PUNCT
easat-5722	54	7	2024	2024	NUM
easat-5722	54	8	doi	doi	NOUN
easat-5722	54	9	:	:	PUNCT
easat-5722	54	10	10.55214/25768484.v9i3.5722	10.55214/25768484.v9i3.5722	NUM
easat-5722	54	11	©	©	PROPN
easat-5722	54	12	2025	2025	NUM
easat-5722	54	13	by	by	ADP
easat-5722	54	14	the	the	DET
easat-5722	54	15	authors	author	NOUN
easat-5722	54	16	;	;	PUNCT
easat-5722	54	17	licensee	licensee	PROPN
easat-5722	54	18	learning	learn	VERB
easat-5722	54	19	gate	gate	PROPN
easat-5722	54	20	review	review	NOUN
easat-5722	54	21	synthesizes	synthesize	VERB
easat-5722	54	22	prior	prior	ADJ
easat-5722	54	23	research	research	NOUN
easat-5722	54	24	and	and	CCONJ
easat-5722	54	25	clarifies	clarify	VERB
easat-5722	54	26	the	the	DET
easat-5722	54	27	rationale	rationale	NOUN
easat-5722	54	28	behind	behind	ADP
easat-5722	54	29	the	the	DET
easat-5722	54	30	selection	selection	NOUN
easat-5722	54	31	of	of	ADP
easat-5722	54	32	each	each	DET
easat-5722	54	33	key	key	ADJ
easat-5722	54	34	variable	variable	NOUN
easat-5722	54	35	.	.	PUNCT
easat-5722	55	1	in	in	ADP
easat-5722	55	2	the	the	DET
easat-5722	55	3	subsequent	subsequent	ADJ
easat-5722	55	4	sections	section	NOUN
easat-5722	55	5	,	,	PUNCT
easat-5722	55	6	each	each	DET
easat-5722	55	7	construct	construct	NOUN
easat-5722	55	8	is	be	AUX
easat-5722	55	9	discussed	discuss	VERB
easat-5722	55	10	in	in	ADP
easat-5722	55	11	detail	detail	NOUN
easat-5722	55	12	before	before	SCONJ
easat-5722	55	13	its	its	PRON
easat-5722	55	14	corresponding	corresponding	ADJ
easat-5722	55	15	hypothesis	hypothesis	NOUN
easat-5722	55	16	is	be	AUX
easat-5722	55	17	introduced	introduce	VERB
easat-5722	55	18	.	.	PUNCT
easat-5722	56	1	the	the	DET
easat-5722	56	2	primary	primary	ADJ
easat-5722	56	3	theoretical	theoretical	ADJ
easat-5722	56	4	models	model	NOUN
easat-5722	56	5	used	use	VERB
easat-5722	56	6	to	to	PART
easat-5722	56	7	explain	explain	VERB
easat-5722	56	8	technology	technology	NOUN
easat-5722	56	9	adoption	adoption	NOUN
easat-5722	56	10	—	—	PUNCT
easat-5722	56	11	namely	namely	ADV
easat-5722	56	12	,	,	PUNCT
easat-5722	56	13	the	the	DET
easat-5722	56	14	technology	technology	NOUN
easat-5722	56	15	acceptance	acceptance	NOUN
easat-5722	56	16	model	model	NOUN
easat-5722	56	17	(	(	PUNCT
easat-5722	56	18	tam	tam	PROPN
easat-5722	56	19	)	)	PUNCT
easat-5722	56	20	,	,	PUNCT
easat-5722	56	21	unified	unified	ADJ
easat-5722	56	22	theory	theory	NOUN
easat-5722	56	23	of	of	ADP
easat-5722	56	24	acceptance	acceptance	NOUN
easat-5722	56	25	and	and	CCONJ
easat-5722	56	26	use	use	NOUN
easat-5722	56	27	of	of	ADP
easat-5722	56	28	technology	technology	NOUN
easat-5722	56	29	(	(	PUNCT
easat-5722	56	30	utaut	utaut	NOUN
easat-5722	56	31	)	)	PUNCT
easat-5722	56	32	,	,	PUNCT
easat-5722	56	33	and	and	CCONJ
easat-5722	56	34	utaut2	utaut2	NOUN
easat-5722	56	35	—	—	PUNCT
easat-5722	56	36	have	have	AUX
easat-5722	56	37	consistently	consistently	ADV
easat-5722	56	38	highlighted	highlight	VERB
easat-5722	56	39	factors	factor	NOUN
easat-5722	56	40	such	such	ADJ
easat-5722	56	41	as	as	ADP
easat-5722	56	42	perceived	perceive	VERB
easat-5722	56	43	usefulness	usefulness	NOUN
easat-5722	56	44	,	,	PUNCT
easat-5722	56	45	ease	ease	NOUN
easat-5722	56	46	of	of	ADP
easat-5722	56	47	use	use	NOUN
easat-5722	56	48	,	,	PUNCT
easat-5722	56	49	and	and	CCONJ
easat-5722	56	50	trust	trust	NOUN
easat-5722	56	51	as	as	ADP
easat-5722	56	52	critical	critical	ADJ
easat-5722	56	53	determinants	determinant	NOUN
easat-5722	56	54	of	of	ADP
easat-5722	56	55	technology	technology	NOUN
easat-5722	56	56	acceptance	acceptance	NOUN
easat-5722	56	57	[	[	X
easat-5722	56	58	6	6	NUM
easat-5722	56	59	,	,	PUNCT
easat-5722	56	60	8	8	NUM
easat-5722	56	61	]	]	PUNCT
easat-5722	56	62	.	.	PUNCT
easat-5722	57	1	in	in	ADP
easat-5722	57	2	digital	digital	ADJ
easat-5722	57	3	banking	banking	NOUN
easat-5722	57	4	,	,	PUNCT
easat-5722	57	5	however	however	ADV
easat-5722	57	6	,	,	PUNCT
easat-5722	57	7	additional	additional	ADJ
easat-5722	57	8	constructs	construct	NOUN
easat-5722	57	9	such	such	ADJ
easat-5722	57	10	as	as	ADP
easat-5722	57	11	perceived	perceive	VERB
easat-5722	57	12	confidence	confidence	NOUN
easat-5722	57	13	,	,	PUNCT
easat-5722	57	14	perceived	perceive	VERB
easat-5722	57	15	financial	financial	ADJ
easat-5722	57	16	cost	cost	NOUN
easat-5722	57	17	,	,	PUNCT
easat-5722	57	18	and	and	CCONJ
easat-5722	57	19	bank	bank	NOUN
easat-5722	57	20	brand	brand	NOUN
easat-5722	57	21	and	and	CCONJ
easat-5722	57	22	image	image	NOUN
easat-5722	57	23	are	be	AUX
easat-5722	57	24	crucial	crucial	ADJ
easat-5722	57	25	given	give	VERB
easat-5722	57	26	vietnam	vietnam	PROPN
easat-5722	57	27	’s	’s	PART
easat-5722	57	28	unique	unique	ADJ
easat-5722	57	29	socio	socio	NOUN
easat-5722	57	30	-	-	PUNCT
easat-5722	57	31	economic	economic	ADJ
easat-5722	57	32	and	and	CCONJ
easat-5722	57	33	cultural	cultural	ADJ
easat-5722	57	34	context	context	NOUN
easat-5722	58	1	[	[	X
easat-5722	58	2	1	1	NUM
easat-5722	58	3	]	]	PUNCT
easat-5722	58	4	.	.	PUNCT
easat-5722	59	1	the	the	DET
easat-5722	59	2	following	follow	VERB
easat-5722	59	3	sections	section	NOUN
easat-5722	59	4	review	review	VERB
easat-5722	59	5	each	each	PRON
easat-5722	59	6	construct	construct	NOUN
easat-5722	59	7	in	in	ADP
easat-5722	59	8	detail	detail	NOUN
easat-5722	59	9	and	and	CCONJ
easat-5722	59	10	lead	lead	VERB
easat-5722	59	11	to	to	ADP
easat-5722	59	12	the	the	DET
easat-5722	59	13	formulation	formulation	NOUN
easat-5722	59	14	of	of	ADP
easat-5722	59	15	our	our	PRON
easat-5722	59	16	research	research	NOUN
easat-5722	59	17	hypotheses	hypothesis	NOUN
easat-5722	59	18	.	.	PUNCT
easat-5722	60	1	2.1	2.1	NUM
easat-5722	60	2	.	.	PUNCT
easat-5722	61	1	perceived	perceive	VERB
easat-5722	61	2	confidence	confidence	NOUN
easat-5722	61	3	perceived	perceive	VERB
easat-5722	61	4	confidence	confidence	NOUN
easat-5722	61	5	refers	refer	VERB
easat-5722	61	6	to	to	ADP
easat-5722	61	7	an	an	DET
easat-5722	61	8	individual	individual	NOUN
easat-5722	61	9	’s	’s	PART
easat-5722	61	10	self	self	NOUN
easat-5722	61	11	-	-	PUNCT
easat-5722	61	12	assurance	assurance	NOUN
easat-5722	61	13	in	in	ADP
easat-5722	61	14	effectively	effectively	ADV
easat-5722	61	15	using	use	VERB
easat-5722	61	16	digital	digital	ADJ
easat-5722	61	17	technologies	technology	NOUN
easat-5722	61	18	.	.	PUNCT
easat-5722	62	1	it	it	PRON
easat-5722	62	2	encompasses	encompass	VERB
easat-5722	62	3	the	the	DET
easat-5722	62	4	belief	belief	NOUN
easat-5722	62	5	that	that	SCONJ
easat-5722	62	6	one	one	PRON
easat-5722	62	7	possesses	possess	VERB
easat-5722	62	8	the	the	DET
easat-5722	62	9	requisite	requisite	ADJ
easat-5722	62	10	digital	digital	ADJ
easat-5722	62	11	literacy	literacy	NOUN
easat-5722	62	12	and	and	CCONJ
easat-5722	62	13	skills	skill	NOUN
easat-5722	62	14	to	to	PART
easat-5722	62	15	navigate	navigate	VERB
easat-5722	62	16	online	online	ADJ
easat-5722	62	17	platforms	platform	NOUN
easat-5722	62	18	with	with	ADP
easat-5722	62	19	minimal	minimal	ADJ
easat-5722	62	20	external	external	ADJ
easat-5722	62	21	support	support	NOUN
easat-5722	62	22	.	.	PUNCT
easat-5722	63	1	earlier	early	ADJ
easat-5722	63	2	studies	study	NOUN
easat-5722	63	3	have	have	AUX
easat-5722	63	4	shown	show	VERB
easat-5722	63	5	that	that	SCONJ
easat-5722	63	6	higher	high	ADJ
easat-5722	63	7	levels	level	NOUN
easat-5722	63	8	of	of	ADP
easat-5722	63	9	perceived	perceive	VERB
easat-5722	63	10	confidence	confidence	NOUN
easat-5722	63	11	can	can	AUX
easat-5722	63	12	reduce	reduce	VERB
easat-5722	63	13	technology	technology	NOUN
easat-5722	63	14	-	-	PUNCT
easat-5722	63	15	related	relate	VERB
easat-5722	63	16	anxiety	anxiety	NOUN
easat-5722	63	17	and	and	CCONJ
easat-5722	63	18	foster	foster	VERB
easat-5722	63	19	a	a	DET
easat-5722	63	20	positive	positive	ADJ
easat-5722	63	21	evaluation	evaluation	NOUN
easat-5722	63	22	of	of	ADP
easat-5722	63	23	digital	digital	ADJ
easat-5722	63	24	services	service	NOUN
easat-5722	64	1	[	[	X
easat-5722	64	2	9	9	NUM
easat-5722	64	3	]	]	PUNCT
easat-5722	64	4	.	.	PUNCT
easat-5722	65	1	more	more	ADV
easat-5722	65	2	recently	recently	ADV
easat-5722	65	3	,	,	PUNCT
easat-5722	65	4	pham	pham	PROPN
easat-5722	65	5	and	and	CCONJ
easat-5722	65	6	le	le	X
easat-5722	65	7	[	[	X
easat-5722	65	8	7	7	X
easat-5722	65	9	]	]	PUNCT
easat-5722	65	10	have	have	AUX
easat-5722	65	11	underscored	underscore	VERB
easat-5722	65	12	that	that	SCONJ
easat-5722	65	13	when	when	SCONJ
easat-5722	65	14	customers	customer	NOUN
easat-5722	65	15	feel	feel	VERB
easat-5722	65	16	confident	confident	ADJ
easat-5722	65	17	using	use	VERB
easat-5722	65	18	smart	smart	ADJ
easat-5722	65	19	devices	device	NOUN
easat-5722	65	20	and	and	CCONJ
easat-5722	65	21	navigating	navigate	VERB
easat-5722	65	22	digital	digital	ADJ
easat-5722	65	23	interfaces	interface	NOUN
easat-5722	65	24	,	,	PUNCT
easat-5722	65	25	they	they	PRON
easat-5722	65	26	are	be	AUX
easat-5722	65	27	more	more	ADV
easat-5722	65	28	inclined	inclined	ADJ
easat-5722	65	29	to	to	PART
easat-5722	65	30	adopt	adopt	VERB
easat-5722	65	31	online	online	ADJ
easat-5722	65	32	banking	banking	NOUN
easat-5722	65	33	services	service	NOUN
easat-5722	65	34	.	.	PUNCT
easat-5722	66	1	in	in	ADP
easat-5722	66	2	vietnam	vietnam	PROPN
easat-5722	66	3	,	,	PUNCT
easat-5722	66	4	research	research	NOUN
easat-5722	66	5	indicates	indicate	VERB
easat-5722	66	6	that	that	SCONJ
easat-5722	66	7	enhancing	enhance	VERB
easat-5722	66	8	customers	customer	NOUN
easat-5722	66	9	’	'	PUNCT
easat-5722	66	10	digital	digital	ADJ
easat-5722	66	11	literacy	literacy	NOUN
easat-5722	66	12	is	be	AUX
easat-5722	66	13	a	a	DET
easat-5722	66	14	key	key	ADJ
easat-5722	66	15	enabler	enabler	NOUN
easat-5722	66	16	in	in	ADP
easat-5722	66	17	mitigating	mitigate	VERB
easat-5722	66	18	uncertainties	uncertainty	NOUN
easat-5722	66	19	associated	associate	VERB
easat-5722	66	20	with	with	ADP
easat-5722	66	21	digital	digital	ADJ
easat-5722	66	22	transactions	transaction	NOUN
easat-5722	66	23	.	.	PUNCT
easat-5722	67	1	h1	h1	PROPN
easat-5722	67	2	:	:	PUNCT
easat-5722	67	3	perceived	perceive	VERB
easat-5722	67	4	confidence	confidence	NOUN
easat-5722	67	5	positively	positively	ADV
easat-5722	67	6	influences	influence	VERB
easat-5722	67	7	the	the	DET
easat-5722	67	8	decision	decision	NOUN
easat-5722	67	9	to	to	PART
easat-5722	67	10	use	use	VERB
easat-5722	67	11	digital	digital	ADJ
easat-5722	67	12	banking	banking	NOUN
easat-5722	67	13	services	service	NOUN
easat-5722	67	14	among	among	ADP
easat-5722	67	15	customers	customer	NOUN
easat-5722	67	16	at	at	ADP
easat-5722	67	17	vietnamese	vietnamese	ADJ
easat-5722	67	18	commercial	commercial	ADJ
easat-5722	67	19	banks	bank	NOUN
easat-5722	67	20	.	.	PUNCT
easat-5722	68	1	2.2	2.2	NUM
easat-5722	68	2	.	.	PUNCT
easat-5722	68	3	perceived	perceive	VERB
easat-5722	68	4	usefulness	usefulness	NOUN
easat-5722	68	5	perceived	perceive	VERB
easat-5722	68	6	usefulness	usefulness	NOUN
easat-5722	68	7	is	be	AUX
easat-5722	68	8	defined	define	VERB
easat-5722	68	9	as	as	ADP
easat-5722	68	10	the	the	DET
easat-5722	68	11	degree	degree	NOUN
easat-5722	68	12	to	to	PART
easat-5722	68	13	which	which	PRON
easat-5722	68	14	an	an	DET
easat-5722	68	15	individual	individual	NOUN
easat-5722	68	16	believes	believe	VERB
easat-5722	68	17	that	that	SCONJ
easat-5722	68	18	using	use	VERB
easat-5722	68	19	a	a	DET
easat-5722	68	20	particular	particular	ADJ
easat-5722	68	21	technology	technology	NOUN
easat-5722	68	22	will	will	AUX
easat-5722	68	23	enhance	enhance	VERB
easat-5722	68	24	their	their	PRON
easat-5722	68	25	performance	performance	NOUN
easat-5722	68	26	or	or	CCONJ
easat-5722	68	27	provide	provide	VERB
easat-5722	68	28	tangible	tangible	ADJ
easat-5722	68	29	benefits	benefit	NOUN
easat-5722	68	30	[	[	X
easat-5722	68	31	8	8	NUM
easat-5722	68	32	]	]	PUNCT
easat-5722	68	33	.	.	PUNCT
easat-5722	69	1	in	in	ADP
easat-5722	69	2	digital	digital	ADJ
easat-5722	69	3	banking	banking	NOUN
easat-5722	69	4	,	,	PUNCT
easat-5722	69	5	this	this	DET
easat-5722	69	6	construct	construct	NOUN
easat-5722	69	7	reflects	reflect	VERB
easat-5722	69	8	the	the	DET
easat-5722	69	9	extent	extent	NOUN
easat-5722	69	10	to	to	PART
easat-5722	69	11	which	which	PRON
easat-5722	69	12	customers	customer	NOUN
easat-5722	69	13	perceive	perceive	VERB
easat-5722	69	14	that	that	SCONJ
easat-5722	69	15	online	online	ADJ
easat-5722	69	16	banking	banking	NOUN
easat-5722	69	17	delivers	deliver	VERB
easat-5722	69	18	advantages	advantage	NOUN
easat-5722	69	19	—	—	PUNCT
easat-5722	69	20	such	such	ADJ
easat-5722	69	21	as	as	ADP
easat-5722	69	22	convenience	convenience	NOUN
easat-5722	69	23	,	,	PUNCT
easat-5722	69	24	time	time	NOUN
easat-5722	69	25	savings	saving	NOUN
easat-5722	69	26	,	,	PUNCT
easat-5722	69	27	and	and	CCONJ
easat-5722	69	28	accessibility	accessibility	NOUN
easat-5722	69	29	—	—	PUNCT
easat-5722	69	30	compared	compare	VERB
easat-5722	69	31	to	to	ADP
easat-5722	69	32	traditional	traditional	ADJ
easat-5722	69	33	methods	method	NOUN
easat-5722	69	34	.	.	PUNCT
easat-5722	70	1	international	international	ADJ
easat-5722	70	2	studies	study	NOUN
easat-5722	70	3	consistently	consistently	ADV
easat-5722	70	4	report	report	VERB
easat-5722	70	5	that	that	SCONJ
easat-5722	70	6	perceived	perceive	VERB
easat-5722	70	7	usefulness	usefulness	NOUN
easat-5722	70	8	is	be	AUX
easat-5722	70	9	a	a	DET
easat-5722	70	10	strong	strong	ADJ
easat-5722	70	11	predictor	predictor	NOUN
easat-5722	70	12	of	of	ADP
easat-5722	70	13	technology	technology	NOUN
easat-5722	70	14	adoption	adoption	NOUN
easat-5722	70	15	[	[	X
easat-5722	70	16	10	10	NUM
easat-5722	70	17	]	]	PUNCT
easat-5722	70	18	.	.	PUNCT
easat-5722	71	1	in	in	ADP
easat-5722	71	2	vietnam	vietnam	PROPN
easat-5722	71	3	,	,	PUNCT
easat-5722	71	4	where	where	SCONJ
easat-5722	71	5	the	the	DET
easat-5722	71	6	availability	availability	NOUN
easat-5722	71	7	of	of	ADP
easat-5722	71	8	smartphones	smartphone	NOUN
easat-5722	71	9	and	and	CCONJ
easat-5722	71	10	high	high	ADJ
easat-5722	71	11	-	-	PUNCT
easat-5722	71	12	speed	speed	NOUN
easat-5722	71	13	internet	internet	NOUN
easat-5722	71	14	has	have	AUX
easat-5722	71	15	surged	surge	VERB
easat-5722	71	16	,	,	PUNCT
easat-5722	71	17	customers	customer	NOUN
easat-5722	71	18	increasingly	increasingly	ADV
easat-5722	71	19	recognize	recognize	VERB
easat-5722	71	20	the	the	DET
easat-5722	71	21	practical	practical	ADJ
easat-5722	71	22	benefits	benefit	NOUN
easat-5722	71	23	of	of	ADP
easat-5722	71	24	digital	digital	ADJ
easat-5722	71	25	banking	banking	NOUN
easat-5722	71	26	services	service	NOUN
easat-5722	72	1	[	[	X
easat-5722	72	2	11	11	NUM
easat-5722	72	3	]	]	PUNCT
easat-5722	72	4	.	.	PUNCT
easat-5722	73	1	this	this	DET
easat-5722	73	2	positive	positive	ADJ
easat-5722	73	3	perception	perception	NOUN
easat-5722	73	4	of	of	ADP
easat-5722	73	5	utility	utility	NOUN
easat-5722	73	6	is	be	AUX
easat-5722	73	7	crucial	crucial	ADJ
easat-5722	73	8	for	for	ADP
easat-5722	73	9	encouraging	encourage	VERB
easat-5722	73	10	a	a	DET
easat-5722	73	11	shift	shift	NOUN
easat-5722	73	12	from	from	ADP
easat-5722	73	13	conventional	conventional	ADJ
easat-5722	73	14	banking	banking	NOUN
easat-5722	73	15	channels	channel	NOUN
easat-5722	73	16	.	.	PUNCT
easat-5722	74	1	h2	h2	NOUN
easat-5722	74	2	:	:	PUNCT
easat-5722	74	3	perceived	perceive	VERB
easat-5722	74	4	usefulness	usefulness	NOUN
easat-5722	74	5	positively	positively	ADV
easat-5722	74	6	influences	influence	VERB
easat-5722	74	7	the	the	DET
easat-5722	74	8	decision	decision	NOUN
easat-5722	74	9	to	to	PART
easat-5722	74	10	use	use	VERB
easat-5722	74	11	digital	digital	ADJ
easat-5722	74	12	banking	banking	NOUN
easat-5722	74	13	services	service	NOUN
easat-5722	74	14	among	among	ADP
easat-5722	74	15	customers	customer	NOUN
easat-5722	74	16	at	at	ADP
easat-5722	74	17	vietnamese	vietnamese	ADJ
easat-5722	74	18	commercial	commercial	ADJ
easat-5722	74	19	banks	bank	NOUN
easat-5722	74	20	.	.	PUNCT
easat-5722	75	1	2.3	2.3	NUM
easat-5722	75	2	.	.	PUNCT
easat-5722	76	1	perceived	perceive	VERB
easat-5722	76	2	financial	financial	ADJ
easat-5722	76	3	cost	cost	NOUN
easat-5722	76	4	perceived	perceive	VERB
easat-5722	76	5	financial	financial	ADJ
easat-5722	76	6	cost	cost	NOUN
easat-5722	76	7	refers	refer	VERB
easat-5722	76	8	to	to	ADP
easat-5722	76	9	the	the	DET
easat-5722	76	10	extent	extent	NOUN
easat-5722	76	11	to	to	PART
easat-5722	76	12	which	which	PRON
easat-5722	76	13	customers	customer	NOUN
easat-5722	76	14	believe	believe	VERB
easat-5722	76	15	that	that	SCONJ
easat-5722	76	16	using	use	VERB
easat-5722	76	17	digital	digital	ADJ
easat-5722	76	18	banking	banking	NOUN
easat-5722	76	19	services	service	NOUN
easat-5722	76	20	will	will	AUX
easat-5722	76	21	incur	incur	VERB
easat-5722	76	22	additional	additional	ADJ
easat-5722	76	23	expenses	expense	NOUN
easat-5722	76	24	,	,	PUNCT
easat-5722	76	25	such	such	ADJ
easat-5722	76	26	as	as	ADP
easat-5722	76	27	transaction	transaction	NOUN
easat-5722	76	28	fees	fee	NOUN
easat-5722	76	29	,	,	PUNCT
easat-5722	76	30	service	service	NOUN
easat-5722	76	31	charges	charge	NOUN
easat-5722	76	32	,	,	PUNCT
easat-5722	76	33	and	and	CCONJ
easat-5722	76	34	potential	potential	ADJ
easat-5722	76	35	hidden	hide	VERB
easat-5722	76	36	costs	cost	NOUN
easat-5722	76	37	.	.	PUNCT
easat-5722	77	1	although	although	SCONJ
easat-5722	77	2	digital	digital	ADJ
easat-5722	77	3	banking	banking	NOUN
easat-5722	77	4	is	be	AUX
easat-5722	77	5	often	often	ADV
easat-5722	77	6	promoted	promote	VERB
easat-5722	77	7	as	as	ADP
easat-5722	77	8	a	a	DET
easat-5722	77	9	cost	cost	NOUN
easat-5722	77	10	-	-	PUNCT
easat-5722	77	11	effective	effective	ADJ
easat-5722	77	12	alternative	alternative	NOUN
easat-5722	77	13	,	,	PUNCT
easat-5722	77	14	customers	customer	NOUN
easat-5722	77	15	may	may	AUX
easat-5722	77	16	be	be	AUX
easat-5722	77	17	deterred	deter	VERB
easat-5722	77	18	if	if	SCONJ
easat-5722	77	19	they	they	PRON
easat-5722	77	20	perceive	perceive	VERB
easat-5722	77	21	that	that	SCONJ
easat-5722	77	22	the	the	DET
easat-5722	77	23	financial	financial	ADJ
easat-5722	77	24	burden	burden	NOUN
easat-5722	77	25	outweighs	outweigh	VERB
easat-5722	77	26	the	the	DET
easat-5722	77	27	benefits	benefit	NOUN
easat-5722	77	28	[	[	X
easat-5722	77	29	12	12	NUM
easat-5722	77	30	]	]	PUNCT
easat-5722	77	31	.	.	PUNCT
easat-5722	78	1	recent	recent	ADJ
easat-5722	78	2	studies	study	NOUN
easat-5722	78	3	have	have	AUX
easat-5722	78	4	highlighted	highlight	VERB
easat-5722	78	5	that	that	SCONJ
easat-5722	78	6	clarity	clarity	NOUN
easat-5722	78	7	in	in	ADP
easat-5722	78	8	fee	fee	NOUN
easat-5722	78	9	structures	structure	NOUN
easat-5722	78	10	and	and	CCONJ
easat-5722	78	11	affordability	affordability	NOUN
easat-5722	78	12	are	be	AUX
easat-5722	78	13	critical	critical	ADJ
easat-5722	78	14	in	in	ADP
easat-5722	78	15	shaping	shape	VERB
easat-5722	78	16	adoption	adoption	NOUN
easat-5722	78	17	behavior	behavior	NOUN
easat-5722	78	18	.	.	PUNCT
easat-5722	79	1	in	in	ADP
easat-5722	79	2	the	the	DET
easat-5722	79	3	vietnamese	vietnamese	ADJ
easat-5722	79	4	context	context	NOUN
easat-5722	79	5	,	,	PUNCT
easat-5722	79	6	research	research	NOUN
easat-5722	79	7	shows	show	VERB
easat-5722	79	8	that	that	SCONJ
easat-5722	79	9	high	high	ADJ
easat-5722	79	10	perceived	perceive	VERB
easat-5722	79	11	financial	financial	ADJ
easat-5722	79	12	costs	cost	NOUN
easat-5722	79	13	can	can	AUX
easat-5722	79	14	significantly	significantly	ADV
easat-5722	79	15	reduce	reduce	VERB
easat-5722	79	16	the	the	DET
easat-5722	79	17	likelihood	likelihood	NOUN
easat-5722	79	18	of	of	ADP
easat-5722	79	19	adopting	adopt	VERB
easat-5722	79	20	digital	digital	ADJ
easat-5722	79	21	banking	banking	NOUN
easat-5722	79	22	services	service	NOUN
easat-5722	79	23	[	[	X
easat-5722	79	24	7	7	NUM
easat-5722	79	25	]	]	PUNCT
easat-5722	79	26	.	.	PUNCT
easat-5722	80	1	as	as	SCONJ
easat-5722	80	2	financial	financial	ADJ
easat-5722	80	3	considerations	consideration	NOUN
easat-5722	80	4	directly	directly	ADV
easat-5722	80	5	impact	impact	VERB
easat-5722	80	6	perceived	perceive	VERB
easat-5722	80	7	value	value	NOUN
easat-5722	80	8	,	,	PUNCT
easat-5722	80	9	they	they	PRON
easat-5722	80	10	remain	remain	VERB
easat-5722	80	11	a	a	DET
easat-5722	80	12	significant	significant	ADJ
easat-5722	80	13	barrier	barrier	NOUN
easat-5722	80	14	in	in	ADP
easat-5722	80	15	the	the	DET
easat-5722	80	16	decision	decision	NOUN
easat-5722	80	17	-	-	PUNCT
easat-5722	80	18	making	make	VERB
easat-5722	80	19	process	process	NOUN
easat-5722	80	20	.	.	PUNCT
easat-5722	81	1	h3	h3	NOUN
easat-5722	81	2	:	:	PUNCT
easat-5722	81	3	perceived	perceive	VERB
easat-5722	81	4	financial	financial	ADJ
easat-5722	81	5	cost	cost	NOUN
easat-5722	81	6	negatively	negatively	ADV
easat-5722	81	7	influences	influence	VERB
easat-5722	81	8	the	the	DET
easat-5722	81	9	decision	decision	NOUN
easat-5722	81	10	to	to	PART
easat-5722	81	11	use	use	VERB
easat-5722	81	12	digital	digital	ADJ
easat-5722	81	13	banking	banking	NOUN
easat-5722	81	14	services	service	NOUN
easat-5722	81	15	among	among	ADP
easat-5722	81	16	customers	customer	NOUN
easat-5722	81	17	at	at	ADP
easat-5722	81	18	vietnamese	vietnamese	ADJ
easat-5722	81	19	commercial	commercial	ADJ
easat-5722	81	20	banks	bank	NOUN
easat-5722	81	21	.	.	PUNCT
easat-5722	82	1	2.4	2.4	NUM
easat-5722	82	2	.	.	PUNCT
easat-5722	83	1	perceived	perceive	VERB
easat-5722	83	2	risk	risk	NOUN
easat-5722	83	3	perceived	perceive	VERB
easat-5722	83	4	risk	risk	NOUN
easat-5722	83	5	encompasses	encompass	VERB
easat-5722	83	6	the	the	DET
easat-5722	83	7	consumer	consumer	NOUN
easat-5722	83	8	’s	’s	PART
easat-5722	83	9	concerns	concern	NOUN
easat-5722	83	10	regarding	regard	VERB
easat-5722	83	11	potential	potential	ADJ
easat-5722	83	12	negative	negative	ADJ
easat-5722	83	13	outcomes	outcome	NOUN
easat-5722	83	14	from	from	ADP
easat-5722	83	15	using	use	VERB
easat-5722	83	16	digital	digital	ADJ
easat-5722	83	17	banking	banking	NOUN
easat-5722	83	18	services	service	NOUN
easat-5722	83	19	,	,	PUNCT
easat-5722	83	20	such	such	ADJ
easat-5722	83	21	as	as	ADP
easat-5722	83	22	data	data	NOUN
easat-5722	83	23	breaches	breach	NOUN
easat-5722	83	24	,	,	PUNCT
easat-5722	83	25	fraud	fraud	NOUN
easat-5722	83	26	,	,	PUNCT
easat-5722	83	27	and	and	CCONJ
easat-5722	83	28	technical	technical	ADJ
easat-5722	83	29	failures	failure	NOUN
easat-5722	83	30	.	.	PUNCT
easat-5722	84	1	studies	study	NOUN
easat-5722	84	2	consistently	consistently	ADV
easat-5722	84	3	1957	1957	NUM
easat-5722	84	4	edelweiss	edelweiss	PROPN
easat-5722	84	5	applied	apply	VERB
easat-5722	84	6	science	science	NOUN
easat-5722	84	7	and	and	CCONJ
easat-5722	84	8	technology	technology	NOUN
easat-5722	84	9	issn	issn	PROPN
easat-5722	84	10	:	:	PUNCT
easat-5722	84	11	2576	2576	NUM
easat-5722	84	12	-	-	SYM
easat-5722	84	13	8484	8484	NUM
easat-5722	84	14	vol	vol	NOUN
easat-5722	84	15	.	.	PROPN
easat-5722	85	1	9	9	NUM
easat-5722	85	2	,	,	PUNCT
easat-5722	85	3	no	no	INTJ
easat-5722	85	4	.	.	NOUN
easat-5722	86	1	3	3	NUM
easat-5722	86	2	:	:	SYM
easat-5722	86	3	1954	1954	NUM
easat-5722	86	4	-	-	SYM
easat-5722	86	5	1971	1971	NUM
easat-5722	86	6	,	,	PUNCT
easat-5722	86	7	2024	2024	NUM
easat-5722	86	8	doi	doi	NOUN
easat-5722	86	9	:	:	PUNCT
easat-5722	86	10	10.55214/25768484.v9i3.5722	10.55214/25768484.v9i3.5722	NUM
easat-5722	86	11	©	©	PROPN
easat-5722	86	12	2025	2025	NUM
easat-5722	86	13	by	by	ADP
easat-5722	86	14	the	the	DET
easat-5722	86	15	authors	author	NOUN
easat-5722	86	16	;	;	PUNCT
easat-5722	86	17	licensee	licensee	PROPN
easat-5722	86	18	learning	learn	VERB
easat-5722	86	19	gate	gate	PROPN
easat-5722	86	20	show	show	VERB
easat-5722	86	21	that	that	SCONJ
easat-5722	86	22	high	high	ADJ
easat-5722	86	23	levels	level	NOUN
easat-5722	86	24	of	of	ADP
easat-5722	86	25	perceived	perceive	VERB
easat-5722	86	26	risk	risk	NOUN
easat-5722	86	27	can	can	AUX
easat-5722	86	28	deter	deter	VERB
easat-5722	86	29	the	the	DET
easat-5722	86	30	adoption	adoption	NOUN
easat-5722	86	31	of	of	ADP
easat-5722	86	32	new	new	ADJ
easat-5722	86	33	technologies	technology	NOUN
easat-5722	86	34	.	.	PUNCT
easat-5722	87	1	in	in	ADP
easat-5722	87	2	digital	digital	ADJ
easat-5722	87	3	banking	banking	NOUN
easat-5722	87	4	,	,	PUNCT
easat-5722	87	5	these	these	DET
easat-5722	87	6	risks	risk	NOUN
easat-5722	87	7	are	be	AUX
easat-5722	87	8	particularly	particularly	ADV
easat-5722	87	9	salient	salient	ADJ
easat-5722	87	10	due	due	ADP
easat-5722	87	11	to	to	ADP
easat-5722	87	12	the	the	DET
easat-5722	87	13	remote	remote	ADJ
easat-5722	87	14	nature	nature	NOUN
easat-5722	87	15	of	of	ADP
easat-5722	87	16	transactions	transaction	NOUN
easat-5722	87	17	,	,	PUNCT
easat-5722	87	18	which	which	PRON
easat-5722	87	19	lacks	lack	VERB
easat-5722	87	20	the	the	DET
easat-5722	87	21	personal	personal	ADJ
easat-5722	87	22	reassurance	reassurance	NOUN
easat-5722	87	23	of	of	ADP
easat-5722	87	24	face	face	NOUN
easat-5722	87	25	-	-	PUNCT
easat-5722	87	26	to	to	ADP
easat-5722	87	27	-	-	PUNCT
easat-5722	87	28	face	face	NOUN
easat-5722	87	29	interactions	interaction	NOUN
easat-5722	87	30	.	.	PUNCT
easat-5722	88	1	in	in	ADP
easat-5722	88	2	vietnam	vietnam	PROPN
easat-5722	88	3	,	,	PUNCT
easat-5722	88	4	where	where	SCONJ
easat-5722	88	5	customers	customer	NOUN
easat-5722	88	6	have	have	AUX
easat-5722	88	7	traditionally	traditionally	ADV
easat-5722	88	8	relied	rely	VERB
easat-5722	88	9	on	on	ADP
easat-5722	88	10	cash	cash	NOUN
easat-5722	88	11	transactions	transaction	NOUN
easat-5722	88	12	,	,	PUNCT
easat-5722	88	13	concerns	concern	NOUN
easat-5722	88	14	regarding	regard	VERB
easat-5722	88	15	online	online	ADJ
easat-5722	88	16	security	security	NOUN
easat-5722	88	17	and	and	CCONJ
easat-5722	88	18	privacy	privacy	NOUN
easat-5722	88	19	are	be	AUX
easat-5722	88	20	more	more	ADV
easat-5722	88	21	pronounced	pronounced	ADJ
easat-5722	88	22	[	[	X
easat-5722	88	23	11	11	NUM
easat-5722	88	24	]	]	PUNCT
easat-5722	88	25	.	.	PUNCT
easat-5722	89	1	as	as	ADP
easat-5722	89	2	such	such	ADJ
easat-5722	89	3	,	,	PUNCT
easat-5722	89	4	reducing	reduce	VERB
easat-5722	89	5	perceived	perceive	VERB
easat-5722	89	6	risk	risk	NOUN
easat-5722	89	7	is	be	AUX
easat-5722	89	8	critical	critical	ADJ
easat-5722	89	9	for	for	ADP
easat-5722	89	10	enhancing	enhance	VERB
easat-5722	89	11	customer	customer	NOUN
easat-5722	89	12	confidence	confidence	NOUN
easat-5722	89	13	and	and	CCONJ
easat-5722	89	14	promoting	promote	VERB
easat-5722	89	15	digital	digital	ADJ
easat-5722	89	16	adoption	adoption	NOUN
easat-5722	89	17	.	.	PUNCT
easat-5722	90	1	h4	h4	NOUN
easat-5722	90	2	:	:	PUNCT
easat-5722	90	3	perceived	perceive	VERB
easat-5722	90	4	risk	risk	NOUN
easat-5722	90	5	negatively	negatively	ADV
easat-5722	90	6	influences	influence	VERB
easat-5722	90	7	the	the	DET
easat-5722	90	8	decision	decision	NOUN
easat-5722	90	9	to	to	PART
easat-5722	90	10	use	use	VERB
easat-5722	90	11	digital	digital	ADJ
easat-5722	90	12	banking	banking	NOUN
easat-5722	90	13	services	service	NOUN
easat-5722	90	14	among	among	ADP
easat-5722	90	15	customers	customer	NOUN
easat-5722	90	16	at	at	ADP
easat-5722	90	17	vietnamese	vietnamese	ADJ
easat-5722	90	18	commercial	commercial	ADJ
easat-5722	90	19	banks	bank	NOUN
easat-5722	90	20	.	.	PUNCT
easat-5722	91	1	2.5	2.5	NUM
easat-5722	91	2	.	.	PUNCT
easat-5722	92	1	bank	bank	NOUN
easat-5722	92	2	brand	brand	NOUN
easat-5722	92	3	and	and	CCONJ
easat-5722	92	4	image	image	NOUN
easat-5722	92	5	bank	bank	NOUN
easat-5722	92	6	brand	brand	NOUN
easat-5722	92	7	and	and	CCONJ
easat-5722	92	8	image	image	NOUN
easat-5722	92	9	refer	refer	VERB
easat-5722	92	10	to	to	ADP
easat-5722	92	11	the	the	DET
easat-5722	92	12	overall	overall	ADJ
easat-5722	92	13	perception	perception	NOUN
easat-5722	92	14	of	of	ADP
easat-5722	92	15	a	a	DET
easat-5722	92	16	financial	financial	ADJ
easat-5722	92	17	institution	institution	NOUN
easat-5722	92	18	’s	’s	PART
easat-5722	92	19	reputation	reputation	NOUN
easat-5722	92	20	,	,	PUNCT
easat-5722	92	21	credibility	credibility	NOUN
easat-5722	92	22	,	,	PUNCT
easat-5722	92	23	and	and	CCONJ
easat-5722	92	24	technological	technological	ADJ
easat-5722	92	25	competence	competence	NOUN
easat-5722	92	26	.	.	PUNCT
easat-5722	93	1	a	a	DET
easat-5722	93	2	strong	strong	ADJ
easat-5722	93	3	brand	brand	NOUN
easat-5722	93	4	image	image	NOUN
easat-5722	93	5	can	can	AUX
easat-5722	93	6	serve	serve	VERB
easat-5722	93	7	as	as	ADP
easat-5722	93	8	a	a	DET
easat-5722	93	9	signal	signal	NOUN
easat-5722	93	10	of	of	ADP
easat-5722	93	11	quality	quality	NOUN
easat-5722	93	12	and	and	CCONJ
easat-5722	93	13	reliability	reliability	NOUN
easat-5722	93	14	,	,	PUNCT
easat-5722	93	15	reducing	reduce	VERB
easat-5722	93	16	consumer	consumer	NOUN
easat-5722	93	17	uncertainties	uncertainty	NOUN
easat-5722	93	18	and	and	CCONJ
easat-5722	93	19	enhancing	enhance	VERB
easat-5722	93	20	trust	trust	NOUN
easat-5722	93	21	in	in	ADP
easat-5722	93	22	digital	digital	ADJ
easat-5722	93	23	services	service	NOUN
easat-5722	93	24	.	.	PUNCT
easat-5722	94	1	international	international	ADJ
easat-5722	94	2	studies	study	NOUN
easat-5722	94	3	have	have	AUX
easat-5722	94	4	demonstrated	demonstrate	VERB
easat-5722	94	5	that	that	SCONJ
easat-5722	94	6	customers	customer	NOUN
easat-5722	94	7	are	be	AUX
easat-5722	94	8	more	more	ADV
easat-5722	94	9	likely	likely	ADJ
easat-5722	94	10	to	to	PART
easat-5722	94	11	adopt	adopt	VERB
easat-5722	94	12	digital	digital	ADJ
easat-5722	94	13	banking	banking	NOUN
easat-5722	94	14	when	when	SCONJ
easat-5722	94	15	they	they	PRON
easat-5722	94	16	associate	associate	VERB
easat-5722	94	17	the	the	DET
easat-5722	94	18	bank	bank	NOUN
easat-5722	94	19	with	with	ADP
easat-5722	94	20	modernity	modernity	NOUN
easat-5722	94	21	and	and	CCONJ
easat-5722	94	22	superior	superior	ADJ
easat-5722	94	23	service	service	NOUN
easat-5722	94	24	quality	quality	NOUN
easat-5722	94	25	[	[	X
easat-5722	94	26	10	10	NUM
easat-5722	94	27	,	,	PUNCT
easat-5722	94	28	13	13	NUM
easat-5722	94	29	]	]	PUNCT
easat-5722	94	30	.	.	PUNCT
easat-5722	95	1	in	in	ADP
easat-5722	95	2	the	the	DET
easat-5722	95	3	competitive	competitive	ADJ
easat-5722	95	4	vietnamese	vietnamese	ADJ
easat-5722	95	5	banking	banking	NOUN
easat-5722	95	6	market	market	NOUN
easat-5722	95	7	,	,	PUNCT
easat-5722	95	8	banks	bank	NOUN
easat-5722	95	9	that	that	PRON
easat-5722	95	10	invest	invest	VERB
easat-5722	95	11	in	in	ADP
easat-5722	95	12	a	a	DET
easat-5722	95	13	robust	robust	ADJ
easat-5722	95	14	digital	digital	ADJ
easat-5722	95	15	infrastructure	infrastructure	NOUN
easat-5722	95	16	and	and	CCONJ
easat-5722	95	17	effective	effective	ADJ
easat-5722	95	18	brand	brand	NOUN
easat-5722	95	19	communication	communication	NOUN
easat-5722	95	20	are	be	AUX
easat-5722	95	21	better	well	ADV
easat-5722	95	22	positioned	positioned	ADJ
easat-5722	95	23	to	to	PART
easat-5722	95	24	attract	attract	VERB
easat-5722	95	25	customers	customer	NOUN
easat-5722	95	26	to	to	ADP
easat-5722	95	27	their	their	PRON
easat-5722	95	28	digital	digital	ADJ
easat-5722	95	29	channels	channel	NOUN
easat-5722	95	30	[	[	X
easat-5722	95	31	7	7	NUM
easat-5722	95	32	]	]	PUNCT
easat-5722	95	33	.	.	PUNCT
easat-5722	96	1	h5	h5	PROPN
easat-5722	96	2	:	:	PUNCT
easat-5722	96	3	bank	bank	NOUN
easat-5722	96	4	brand	brand	NOUN
easat-5722	96	5	and	and	CCONJ
easat-5722	96	6	image	image	NOUN
easat-5722	96	7	positively	positively	ADV
easat-5722	96	8	influences	influence	VERB
easat-5722	96	9	the	the	DET
easat-5722	96	10	decision	decision	NOUN
easat-5722	96	11	to	to	PART
easat-5722	96	12	use	use	VERB
easat-5722	96	13	digital	digital	ADJ
easat-5722	96	14	banking	banking	NOUN
easat-5722	96	15	services	service	NOUN
easat-5722	96	16	among	among	ADP
easat-5722	96	17	customers	customer	NOUN
easat-5722	96	18	at	at	ADP
easat-5722	96	19	vietnamese	vietnamese	ADJ
easat-5722	96	20	commercial	commercial	ADJ
easat-5722	96	21	banks	bank	NOUN
easat-5722	96	22	.	.	PUNCT
easat-5722	97	1	2.6	2.6	NUM
easat-5722	97	2	.	.	PUNCT
easat-5722	97	3	perceived	perceive	VERB
easat-5722	97	4	trust	trust	NOUN
easat-5722	97	5	perceived	perceive	VERB
easat-5722	97	6	trust	trust	NOUN
easat-5722	97	7	is	be	AUX
easat-5722	97	8	the	the	DET
easat-5722	97	9	foundational	foundational	ADJ
easat-5722	97	10	element	element	NOUN
easat-5722	97	11	in	in	ADP
easat-5722	97	12	online	online	ADJ
easat-5722	97	13	transactions	transaction	NOUN
easat-5722	97	14	,	,	PUNCT
easat-5722	97	15	particularly	particularly	ADV
easat-5722	97	16	within	within	ADP
easat-5722	97	17	the	the	DET
easat-5722	97	18	realm	realm	NOUN
easat-5722	97	19	of	of	ADP
easat-5722	97	20	digital	digital	ADJ
easat-5722	97	21	banking	banking	NOUN
easat-5722	97	22	.	.	PUNCT
easat-5722	98	1	it	it	PRON
easat-5722	98	2	reflects	reflect	VERB
easat-5722	98	3	a	a	DET
easat-5722	98	4	customer	customer	NOUN
easat-5722	98	5	’s	’s	PART
easat-5722	98	6	confidence	confidence	NOUN
easat-5722	98	7	in	in	ADP
easat-5722	98	8	the	the	DET
easat-5722	98	9	security	security	NOUN
easat-5722	98	10	,	,	PUNCT
easat-5722	98	11	reliability	reliability	NOUN
easat-5722	98	12	,	,	PUNCT
easat-5722	98	13	and	and	CCONJ
easat-5722	98	14	transparency	transparency	NOUN
easat-5722	98	15	of	of	ADP
easat-5722	98	16	a	a	DET
easat-5722	98	17	banking	banking	NOUN
easat-5722	98	18	platform	platform	NOUN
easat-5722	98	19	.	.	PUNCT
easat-5722	99	1	trust	trust	NOUN
easat-5722	99	2	is	be	AUX
easat-5722	99	3	built	build	VERB
easat-5722	99	4	through	through	ADP
easat-5722	99	5	robust	robust	ADJ
easat-5722	99	6	security	security	NOUN
easat-5722	99	7	measures	measure	NOUN
easat-5722	99	8	,	,	PUNCT
easat-5722	99	9	effective	effective	ADJ
easat-5722	99	10	fraud	fraud	NOUN
easat-5722	99	11	prevention	prevention	NOUN
easat-5722	99	12	,	,	PUNCT
easat-5722	99	13	and	and	CCONJ
easat-5722	99	14	compliance	compliance	NOUN
easat-5722	99	15	with	with	ADP
easat-5722	99	16	regulatory	regulatory	ADJ
easat-5722	99	17	standards	standard	NOUN
easat-5722	99	18	[	[	X
easat-5722	99	19	7	7	NUM
easat-5722	99	20	]	]	PUNCT
easat-5722	99	21	.	.	PUNCT
easat-5722	100	1	when	when	SCONJ
easat-5722	100	2	customers	customer	NOUN
easat-5722	100	3	trust	trust	VERB
easat-5722	100	4	the	the	DET
easat-5722	100	5	digital	digital	ADJ
easat-5722	100	6	banking	banking	NOUN
easat-5722	100	7	system	system	NOUN
easat-5722	100	8	,	,	PUNCT
easat-5722	100	9	they	they	PRON
easat-5722	100	10	are	be	AUX
easat-5722	100	11	more	more	ADV
easat-5722	100	12	likely	likely	ADJ
easat-5722	100	13	to	to	PART
easat-5722	100	14	overlook	overlook	VERB
easat-5722	100	15	minor	minor	ADJ
easat-5722	100	16	inconveniences	inconvenience	NOUN
easat-5722	100	17	or	or	CCONJ
easat-5722	100	18	risks	risk	NOUN
easat-5722	100	19	,	,	PUNCT
easat-5722	100	20	thereby	thereby	ADV
easat-5722	100	21	increasing	increase	VERB
easat-5722	100	22	adoption	adoption	NOUN
easat-5722	100	23	rates	rate	NOUN
easat-5722	100	24	.	.	PUNCT
easat-5722	101	1	in	in	ADP
easat-5722	101	2	vietnam	vietnam	PROPN
easat-5722	101	3	,	,	PUNCT
easat-5722	101	4	persistent	persistent	ADJ
easat-5722	101	5	concerns	concern	NOUN
easat-5722	101	6	regarding	regard	VERB
easat-5722	101	7	data	data	NOUN
easat-5722	101	8	breaches	breach	NOUN
easat-5722	101	9	and	and	CCONJ
easat-5722	101	10	cyber	cyber	NOUN
easat-5722	101	11	fraud	fraud	NOUN
easat-5722	101	12	make	make	VERB
easat-5722	101	13	the	the	DET
easat-5722	101	14	cultivation	cultivation	NOUN
easat-5722	101	15	of	of	ADP
easat-5722	101	16	trust	trust	NOUN
easat-5722	101	17	essential	essential	ADJ
easat-5722	101	18	for	for	ADP
easat-5722	101	19	widespread	widespread	ADJ
easat-5722	101	20	digital	digital	ADJ
easat-5722	101	21	banking	banking	NOUN
easat-5722	101	22	adoption	adoption	NOUN
easat-5722	101	23	[	[	X
easat-5722	101	24	11	11	NUM
easat-5722	101	25	,	,	PUNCT
easat-5722	101	26	12	12	NUM
easat-5722	101	27	]	]	PUNCT
easat-5722	101	28	.	.	PUNCT
easat-5722	102	1	h6	h6	PROPN
easat-5722	102	2	:	:	PUNCT
easat-5722	102	3	perceived	perceive	VERB
easat-5722	102	4	trust	trust	NOUN
easat-5722	102	5	positively	positively	ADV
easat-5722	102	6	influences	influence	VERB
easat-5722	102	7	the	the	DET
easat-5722	102	8	decision	decision	NOUN
easat-5722	102	9	to	to	PART
easat-5722	102	10	use	use	VERB
easat-5722	102	11	digital	digital	ADJ
easat-5722	102	12	banking	banking	NOUN
easat-5722	102	13	services	service	NOUN
easat-5722	102	14	among	among	ADP
easat-5722	102	15	customers	customer	NOUN
easat-5722	102	16	at	at	ADP
easat-5722	102	17	vietnamese	vietnamese	ADJ
easat-5722	102	18	commercial	commercial	ADJ
easat-5722	102	19	banks	bank	NOUN
easat-5722	102	20	.	.	PUNCT
easat-5722	103	1	the	the	DET
easat-5722	103	2	factors	factor	NOUN
easat-5722	103	3	identified	identify	VERB
easat-5722	103	4	—	—	PUNCT
easat-5722	103	5	perceived	perceive	VERB
easat-5722	103	6	confidence	confidence	NOUN
easat-5722	103	7	,	,	PUNCT
easat-5722	103	8	perceived	perceive	VERB
easat-5722	103	9	usefulness	usefulness	NOUN
easat-5722	103	10	,	,	PUNCT
easat-5722	103	11	perceived	perceive	VERB
easat-5722	103	12	financial	financial	ADJ
easat-5722	103	13	cost	cost	NOUN
easat-5722	103	14	,	,	PUNCT
easat-5722	103	15	perceived	perceive	VERB
easat-5722	103	16	risk	risk	NOUN
easat-5722	103	17	,	,	PUNCT
easat-5722	103	18	bank	bank	NOUN
easat-5722	103	19	brand	brand	NOUN
easat-5722	103	20	and	and	CCONJ
easat-5722	103	21	image	image	NOUN
easat-5722	103	22	,	,	PUNCT
easat-5722	103	23	and	and	CCONJ
easat-5722	103	24	perceived	perceive	VERB
easat-5722	103	25	trust	trust	NOUN
easat-5722	103	26	—	—	PUNCT
easat-5722	103	27	capture	capture	VERB
easat-5722	103	28	both	both	CCONJ
easat-5722	103	29	the	the	DET
easat-5722	103	30	intrinsic	intrinsic	ADJ
easat-5722	103	31	attributes	attribute	NOUN
easat-5722	103	32	of	of	ADP
easat-5722	103	33	the	the	DET
easat-5722	103	34	digital	digital	ADJ
easat-5722	103	35	banking	banking	NOUN
easat-5722	103	36	experience	experience	NOUN
easat-5722	103	37	and	and	CCONJ
easat-5722	103	38	the	the	DET
easat-5722	103	39	extrinsic	extrinsic	ADJ
easat-5722	103	40	influences	influence	NOUN
easat-5722	103	41	unique	unique	ADJ
easat-5722	103	42	to	to	ADP
easat-5722	103	43	the	the	DET
easat-5722	103	44	vietnamese	vietnamese	ADJ
easat-5722	103	45	market	market	NOUN
easat-5722	103	46	.	.	PUNCT
easat-5722	104	1	domestic	domestic	ADJ
easat-5722	104	2	studies	study	NOUN
easat-5722	104	3	consistently	consistently	ADV
easat-5722	104	4	underscore	underscore	VERB
easat-5722	104	5	the	the	DET
easat-5722	104	6	importance	importance	NOUN
easat-5722	104	7	of	of	ADP
easat-5722	104	8	ease	ease	NOUN
easat-5722	104	9	of	of	ADP
easat-5722	104	10	use	use	NOUN
easat-5722	104	11	,	,	PUNCT
easat-5722	104	12	usefulness	usefulness	NOUN
easat-5722	104	13	,	,	PUNCT
easat-5722	104	14	and	and	CCONJ
easat-5722	104	15	trust	trust	NOUN
easat-5722	104	16	,	,	PUNCT
easat-5722	104	17	while	while	SCONJ
easat-5722	104	18	also	also	ADV
easat-5722	104	19	acknowledging	acknowledge	VERB
easat-5722	104	20	that	that	SCONJ
easat-5722	104	21	cost	cost	NOUN
easat-5722	104	22	and	and	CCONJ
easat-5722	104	23	risk	risk	NOUN
easat-5722	104	24	perceptions	perception	NOUN
easat-5722	104	25	remain	remain	VERB
easat-5722	104	26	significant	significant	ADJ
easat-5722	104	27	barriers	barrier	NOUN
easat-5722	104	28	[	[	X
easat-5722	104	29	14	14	NUM
easat-5722	104	30	,	,	PUNCT
easat-5722	104	31	15	15	NUM
easat-5722	104	32	]	]	PUNCT
easat-5722	104	33	.	.	PUNCT
easat-5722	105	1	international	international	ADJ
easat-5722	105	2	research	research	NOUN
easat-5722	105	3	further	far	ADV
easat-5722	105	4	enriches	enrich	VERB
easat-5722	105	5	this	this	DET
easat-5722	105	6	framework	framework	NOUN
easat-5722	105	7	by	by	ADP
easat-5722	105	8	introducing	introduce	VERB
easat-5722	105	9	additional	additional	ADJ
easat-5722	105	10	dimensions	dimension	NOUN
easat-5722	105	11	such	such	ADJ
easat-5722	105	12	as	as	ADP
easat-5722	105	13	computer	computer	NOUN
easat-5722	105	14	effectiveness	effectiveness	NOUN
easat-5722	105	15	and	and	CCONJ
easat-5722	105	16	subjective	subjective	ADJ
easat-5722	105	17	norms	norm	NOUN
easat-5722	105	18	[	[	X
easat-5722	105	19	10	10	NUM
easat-5722	105	20	]	]	PUNCT
easat-5722	105	21	.	.	PUNCT
easat-5722	106	1	together	together	ADV
easat-5722	106	2	,	,	PUNCT
easat-5722	106	3	these	these	DET
easat-5722	106	4	findings	finding	NOUN
easat-5722	106	5	substantiate	substantiate	VERB
easat-5722	106	6	a	a	DET
easat-5722	106	7	comprehensive	comprehensive	ADJ
easat-5722	106	8	,	,	PUNCT
easat-5722	106	9	multidimensional	multidimensional	ADJ
easat-5722	106	10	model	model	NOUN
easat-5722	106	11	that	that	PRON
easat-5722	106	12	explains	explain	VERB
easat-5722	106	13	the	the	DET
easat-5722	106	14	adoption	adoption	NOUN
easat-5722	106	15	of	of	ADP
easat-5722	106	16	digital	digital	ADJ
easat-5722	106	17	banking	banking	NOUN
easat-5722	106	18	services	service	NOUN
easat-5722	106	19	in	in	ADP
easat-5722	106	20	vietnam	vietnam	PROPN
easat-5722	106	21	.	.	PUNCT
easat-5722	107	1	the	the	DET
easat-5722	107	2	proposed	propose	VERB
easat-5722	107	3	research	research	NOUN
easat-5722	107	4	model	model	NOUN
easat-5722	107	5	integrates	integrate	VERB
easat-5722	107	6	these	these	DET
easat-5722	107	7	constructs	construct	NOUN
easat-5722	107	8	into	into	ADP
easat-5722	107	9	a	a	DET
easat-5722	107	10	cohesive	cohesive	ADJ
easat-5722	107	11	framework	framework	NOUN
easat-5722	107	12	,	,	PUNCT
easat-5722	107	13	where	where	SCONJ
easat-5722	107	14	each	each	DET
easat-5722	107	15	determinant	determinant	ADJ
easat-5722	107	16	is	be	AUX
easat-5722	107	17	hypothesized	hypothesize	VERB
easat-5722	107	18	to	to	PART
easat-5722	107	19	play	play	VERB
easat-5722	107	20	a	a	DET
easat-5722	107	21	distinct	distinct	ADJ
easat-5722	107	22	role	role	NOUN
easat-5722	107	23	in	in	ADP
easat-5722	107	24	shaping	shape	VERB
easat-5722	107	25	customer	customer	NOUN
easat-5722	107	26	adoption	adoption	NOUN
easat-5722	107	27	behavior	behavior	NOUN
easat-5722	107	28	.	.	PUNCT
easat-5722	108	1	the	the	DET
easat-5722	108	2	model	model	NOUN
easat-5722	108	3	builds	build	VERB
easat-5722	108	4	on	on	ADP
easat-5722	108	5	established	establish	VERB
easat-5722	108	6	theories	theory	NOUN
easat-5722	108	7	like	like	ADP
easat-5722	108	8	tam	tam	PROPN
easat-5722	108	9	and	and	CCONJ
easat-5722	108	10	utaut	utaut	PROPN
easat-5722	108	11	while	while	SCONJ
easat-5722	108	12	incorporating	incorporate	VERB
easat-5722	108	13	context	context	NOUN
easat-5722	108	14	-	-	PUNCT
easat-5722	108	15	specific	specific	ADJ
easat-5722	108	16	variables	variable	NOUN
easat-5722	108	17	that	that	PRON
easat-5722	108	18	address	address	VERB
easat-5722	108	19	the	the	DET
easat-5722	108	20	unique	unique	ADJ
easat-5722	108	21	challenges	challenge	NOUN
easat-5722	108	22	and	and	CCONJ
easat-5722	108	23	opportunities	opportunity	NOUN
easat-5722	108	24	in	in	ADP
easat-5722	108	25	the	the	DET
easat-5722	108	26	vietnamese	vietnamese	ADJ
easat-5722	108	27	banking	banking	NOUN
easat-5722	108	28	sector	sector	NOUN
easat-5722	108	29	(	(	PUNCT
easat-5722	108	30	figure	figure	NOUN
easat-5722	108	31	1	1	NUM
easat-5722	108	32	)	)	PUNCT
easat-5722	108	33	.	.	PUNCT
easat-5722	109	1	1958	1958	NUM
easat-5722	109	2	edelweiss	edelweiss	PROPN
easat-5722	109	3	applied	apply	VERB
easat-5722	109	4	science	science	NOUN
easat-5722	109	5	and	and	CCONJ
easat-5722	109	6	technology	technology	NOUN
easat-5722	109	7	issn	issn	PROPN
easat-5722	109	8	:	:	PUNCT
easat-5722	109	9	2576	2576	NUM
easat-5722	109	10	-	-	SYM
easat-5722	109	11	8484	8484	NUM
easat-5722	109	12	vol	vol	NOUN
easat-5722	109	13	.	.	PROPN
easat-5722	110	1	9	9	NUM
easat-5722	110	2	,	,	PUNCT
easat-5722	110	3	no	no	INTJ
easat-5722	110	4	.	.	NOUN
easat-5722	111	1	3	3	NUM
easat-5722	111	2	:	:	SYM
easat-5722	111	3	1954	1954	NUM
easat-5722	111	4	-	-	SYM
easat-5722	111	5	1971	1971	NUM
easat-5722	111	6	,	,	PUNCT
easat-5722	111	7	2024	2024	NUM
easat-5722	111	8	doi	doi	NOUN
easat-5722	111	9	:	:	PUNCT
easat-5722	111	10	10.55214/25768484.v9i3.5722	10.55214/25768484.v9i3.5722	NUM
easat-5722	111	11	©	©	PROPN
easat-5722	111	12	2025	2025	NUM
easat-5722	111	13	by	by	ADP
easat-5722	111	14	the	the	DET
easat-5722	111	15	authors	author	NOUN
easat-5722	111	16	;	;	PUNCT
easat-5722	111	17	licensee	licensee	PROPN
easat-5722	111	18	learning	learn	VERB
easat-5722	111	19	gate	gate	NOUN
easat-5722	111	20	figure	figure	NOUN
easat-5722	111	21	1	1	NUM
easat-5722	111	22	.	.	PUNCT
easat-5722	111	23	proposed	propose	VERB
easat-5722	111	24	research	research	NOUN
easat-5722	111	25	model	model	NOUN
easat-5722	111	26	.	.	PUNCT
easat-5722	112	1	3	3	X
easat-5722	112	2	.	.	NOUN
easat-5722	112	3	results	result	NOUN
easat-5722	112	4	and	and	CCONJ
easat-5722	112	5	discussion	discussion	NOUN
easat-5722	112	6	3.1	3.1	NUM
easat-5722	112	7	descriptive	descriptive	ADJ
easat-5722	112	8	statistics	statistic	NOUN
easat-5722	112	9	of	of	ADP
easat-5722	112	10	the	the	DET
easat-5722	112	11	research	research	NOUN
easat-5722	112	12	sample	sample	NOUN
easat-5722	112	13	the	the	DET
easat-5722	112	14	survey	survey	NOUN
easat-5722	112	15	for	for	ADP
easat-5722	112	16	this	this	DET
easat-5722	112	17	study	study	NOUN
easat-5722	112	18	was	be	AUX
easat-5722	112	19	conducted	conduct	VERB
easat-5722	112	20	over	over	ADP
easat-5722	112	21	a	a	DET
easat-5722	112	22	four‐month	four‐month	NOUN
easat-5722	112	23	period	period	NOUN
easat-5722	112	24	from	from	ADP
easat-5722	112	25	december	december	PROPN
easat-5722	112	26	2024	2024	NUM
easat-5722	112	27	to	to	ADP
easat-5722	112	28	march	march	PROPN
easat-5722	112	29	2025	2025	NUM
easat-5722	112	30	.	.	PUNCT
easat-5722	113	1	a	a	DET
easat-5722	113	2	total	total	NOUN
easat-5722	113	3	of	of	ADP
easat-5722	113	4	250	250	NUM
easat-5722	113	5	responses	response	NOUN
easat-5722	113	6	were	be	AUX
easat-5722	113	7	initially	initially	ADV
easat-5722	113	8	collected	collect	VERB
easat-5722	113	9	via	via	ADP
easat-5722	113	10	an	an	DET
easat-5722	113	11	online	online	ADJ
easat-5722	113	12	questionnaire	questionnaire	NOUN
easat-5722	113	13	,	,	PUNCT
easat-5722	113	14	which	which	PRON
easat-5722	113	15	was	be	AUX
easat-5722	113	16	disseminated	disseminate	VERB
easat-5722	113	17	through	through	ADP
easat-5722	113	18	multiple	multiple	ADJ
easat-5722	113	19	digital	digital	ADJ
easat-5722	113	20	channels	channel	NOUN
easat-5722	113	21	to	to	PART
easat-5722	113	22	ensure	ensure	VERB
easat-5722	113	23	wide	wide	ADJ
easat-5722	113	24	outreach	outreach	NOUN
easat-5722	113	25	.	.	PUNCT
easat-5722	114	1	after	after	ADP
easat-5722	114	2	rigorous	rigorous	ADJ
easat-5722	114	3	data	datum	NOUN
easat-5722	114	4	screening	screen	VERB
easat-5722	114	5	for	for	ADP
easat-5722	114	6	completeness	completeness	NOUN
easat-5722	114	7	and	and	CCONJ
easat-5722	114	8	consistency	consistency	NOUN
easat-5722	114	9	,	,	PUNCT
easat-5722	114	10	179	179	NUM
easat-5722	114	11	valid	valid	ADJ
easat-5722	114	12	responses	response	NOUN
easat-5722	114	13	were	be	AUX
easat-5722	114	14	retained	retain	VERB
easat-5722	114	15	for	for	ADP
easat-5722	114	16	analysis	analysis	NOUN
easat-5722	114	17	.	.	PUNCT
easat-5722	115	1	the	the	DET
easat-5722	115	2	questionnaire	questionnaire	NOUN
easat-5722	115	3	was	be	AUX
easat-5722	115	4	designed	design	VERB
easat-5722	115	5	with	with	ADP
easat-5722	115	6	two	two	NUM
easat-5722	115	7	major	major	ADJ
easat-5722	115	8	sections	section	NOUN
easat-5722	115	9	:	:	PUNCT
easat-5722	115	10	the	the	DET
easat-5722	115	11	first	first	ADJ
easat-5722	115	12	collected	collect	VERB
easat-5722	115	13	detailed	detailed	ADJ
easat-5722	115	14	demographic	demographic	ADJ
easat-5722	115	15	information	information	NOUN
easat-5722	115	16	(	(	PUNCT
easat-5722	115	17	e.g.	e.g.	ADV
easat-5722	115	18	,	,	PUNCT
easat-5722	115	19	gender	gender	NOUN
easat-5722	115	20	,	,	PUNCT
easat-5722	115	21	age	age	NOUN
easat-5722	115	22	,	,	PUNCT
easat-5722	115	23	education	education	NOUN
easat-5722	115	24	,	,	PUNCT
easat-5722	115	25	income	income	NOUN
easat-5722	115	26	)	)	PUNCT
easat-5722	115	27	and	and	CCONJ
easat-5722	115	28	the	the	DET
easat-5722	115	29	second	second	ADJ
easat-5722	115	30	focused	focus	VERB
easat-5722	115	31	on	on	ADP
easat-5722	115	32	items	item	NOUN
easat-5722	115	33	related	relate	VERB
easat-5722	115	34	to	to	ADP
easat-5722	115	35	the	the	DET
easat-5722	115	36	key	key	ADJ
easat-5722	115	37	constructs	construct	NOUN
easat-5722	115	38	of	of	ADP
easat-5722	115	39	digital	digital	ADJ
easat-5722	115	40	banking	banking	NOUN
easat-5722	115	41	adoption	adoption	NOUN
easat-5722	115	42	(	(	PUNCT
easat-5722	115	43	e.g.	e.g.	ADV
easat-5722	115	44	,	,	PUNCT
easat-5722	115	45	perceived	perceive	VERB
easat-5722	115	46	confidence	confidence	NOUN
easat-5722	115	47	,	,	PUNCT
easat-5722	115	48	perceived	perceive	VERB
easat-5722	115	49	usefulness	usefulness	NOUN
easat-5722	115	50	,	,	PUNCT
easat-5722	115	51	perceived	perceive	VERB
easat-5722	115	52	risk	risk	NOUN
easat-5722	115	53	,	,	PUNCT
easat-5722	115	54	perceived	perceive	VERB
easat-5722	115	55	financial	financial	ADJ
easat-5722	115	56	cost	cost	NOUN
easat-5722	115	57	,	,	PUNCT
easat-5722	115	58	bank	bank	NOUN
easat-5722	115	59	brand	brand	NOUN
easat-5722	115	60	and	and	CCONJ
easat-5722	115	61	image	image	NOUN
easat-5722	115	62	,	,	PUNCT
easat-5722	115	63	and	and	CCONJ
easat-5722	115	64	perceived	perceive	VERB
easat-5722	115	65	trust	trust	NOUN
easat-5722	115	66	)	)	PUNCT
easat-5722	115	67	.	.	PUNCT
easat-5722	116	1	this	this	DET
easat-5722	116	2	section	section	NOUN
easat-5722	116	3	provides	provide	VERB
easat-5722	116	4	a	a	DET
easat-5722	116	5	detailed	detailed	ADJ
easat-5722	116	6	description	description	NOUN
easat-5722	116	7	and	and	CCONJ
easat-5722	116	8	analysis	analysis	NOUN
easat-5722	116	9	of	of	ADP
easat-5722	116	10	the	the	DET
easat-5722	116	11	demographic	demographic	ADJ
easat-5722	116	12	profile	profile	NOUN
easat-5722	116	13	of	of	ADP
easat-5722	116	14	the	the	DET
easat-5722	116	15	respondents	respondent	NOUN
easat-5722	116	16	,	,	PUNCT
easat-5722	116	17	which	which	PRON
easat-5722	116	18	lays	lay	VERB
easat-5722	116	19	a	a	DET
easat-5722	116	20	strong	strong	ADJ
easat-5722	116	21	empirical	empirical	ADJ
easat-5722	116	22	foundation	foundation	NOUN
easat-5722	116	23	for	for	ADP
easat-5722	116	24	subsequent	subsequent	ADJ
easat-5722	116	25	hypothesis	hypothesis	NOUN
easat-5722	116	26	testing	testing	NOUN
easat-5722	116	27	regarding	regard	VERB
easat-5722	116	28	the	the	DET
easat-5722	116	29	determinants	determinant	NOUN
easat-5722	116	30	of	of	ADP
easat-5722	116	31	digital	digital	ADJ
easat-5722	116	32	banking	banking	NOUN
easat-5722	116	33	adoption	adoption	NOUN
easat-5722	116	34	among	among	ADP
easat-5722	116	35	individual	individual	ADJ
easat-5722	116	36	customers	customer	NOUN
easat-5722	116	37	at	at	ADP
easat-5722	116	38	vietnamese	vietnamese	ADJ
easat-5722	116	39	commercial	commercial	ADJ
easat-5722	116	40	banks	bank	NOUN
easat-5722	116	41	.	.	PUNCT
easat-5722	117	1	the	the	DET
easat-5722	117	2	analysis	analysis	NOUN
easat-5722	117	3	of	of	ADP
easat-5722	117	4	gender	gender	NOUN
easat-5722	117	5	distribution	distribution	NOUN
easat-5722	117	6	in	in	ADP
easat-5722	117	7	the	the	DET
easat-5722	117	8	final	final	ADJ
easat-5722	117	9	sample	sample	NOUN
easat-5722	117	10	shows	show	VERB
easat-5722	117	11	that	that	SCONJ
easat-5722	117	12	58.66	58.66	NUM
easat-5722	117	13	%	%	NOUN
easat-5722	117	14	of	of	ADP
easat-5722	117	15	the	the	DET
easat-5722	117	16	respondents	respondent	NOUN
easat-5722	117	17	are	be	AUX
easat-5722	117	18	male	male	ADJ
easat-5722	117	19	,	,	PUNCT
easat-5722	117	20	while	while	SCONJ
easat-5722	117	21	41.34	41.34	NUM
easat-5722	117	22	%	%	NOUN
easat-5722	117	23	are	be	AUX
easat-5722	117	24	female	female	ADJ
easat-5722	117	25	.	.	PUNCT
easat-5722	118	1	this	this	DET
easat-5722	118	2	slight	slight	ADJ
easat-5722	118	3	predominance	predominance	NOUN
easat-5722	118	4	of	of	ADP
easat-5722	118	5	male	male	ADJ
easat-5722	118	6	respondents	respondent	NOUN
easat-5722	118	7	is	be	AUX
easat-5722	118	8	consistent	consistent	ADJ
easat-5722	118	9	with	with	ADP
easat-5722	118	10	earlier	early	ADJ
easat-5722	118	11	findings	finding	NOUN
easat-5722	118	12	in	in	ADP
easat-5722	118	13	the	the	DET
easat-5722	118	14	field	field	NOUN
easat-5722	118	15	of	of	ADP
easat-5722	118	16	digital	digital	ADJ
easat-5722	118	17	financial	financial	ADJ
easat-5722	118	18	services	service	NOUN
easat-5722	118	19	,	,	PUNCT
easat-5722	118	20	where	where	SCONJ
easat-5722	118	21	men	man	NOUN
easat-5722	118	22	have	have	AUX
easat-5722	118	23	often	often	ADV
easat-5722	118	24	demonstrated	demonstrate	VERB
easat-5722	118	25	a	a	DET
easat-5722	118	26	higher	high	ADJ
easat-5722	118	27	propensity	propensity	NOUN
easat-5722	118	28	to	to	PART
easat-5722	118	29	adopt	adopt	VERB
easat-5722	118	30	innovative	innovative	ADJ
easat-5722	118	31	technologies	technology	NOUN
easat-5722	118	32	.	.	PUNCT
easat-5722	119	1	however	however	ADV
easat-5722	119	2	,	,	PUNCT
easat-5722	119	3	the	the	DET
easat-5722	119	4	relatively	relatively	ADV
easat-5722	119	5	balanced	balanced	ADJ
easat-5722	119	6	composition	composition	NOUN
easat-5722	119	7	also	also	ADV
easat-5722	119	8	allows	allow	VERB
easat-5722	119	9	for	for	ADP
easat-5722	119	10	meaningful	meaningful	ADJ
easat-5722	119	11	analysis	analysis	NOUN
easat-5722	119	12	of	of	ADP
easat-5722	119	13	gender	gender	NOUN
easat-5722	119	14	-	-	PUNCT
easat-5722	119	15	specific	specific	ADJ
easat-5722	119	16	differences	difference	NOUN
easat-5722	119	17	,	,	PUNCT
easat-5722	119	18	particularly	particularly	ADV
easat-5722	119	19	in	in	ADP
easat-5722	119	20	the	the	DET
easat-5722	119	21	context	context	NOUN
easat-5722	119	22	of	of	ADP
easat-5722	119	23	how	how	SCONJ
easat-5722	119	24	male	male	ADJ
easat-5722	119	25	and	and	CCONJ
easat-5722	119	26	female	female	ADJ
easat-5722	119	27	customers	customer	NOUN
easat-5722	119	28	may	may	AUX
easat-5722	119	29	differ	differ	VERB
easat-5722	119	30	in	in	ADP
easat-5722	119	31	their	their	PRON
easat-5722	119	32	perceptions	perception	NOUN
easat-5722	119	33	of	of	ADP
easat-5722	119	34	risk	risk	NOUN
easat-5722	119	35	and	and	CCONJ
easat-5722	119	36	trust	trust	NOUN
easat-5722	119	37	when	when	SCONJ
easat-5722	119	38	using	use	VERB
easat-5722	119	39	digital	digital	ADJ
easat-5722	119	40	banking	banking	NOUN
easat-5722	119	41	platforms	platform	NOUN
easat-5722	119	42	.	.	PUNCT
easat-5722	120	1	age	age	NOUN
easat-5722	120	2	is	be	AUX
easat-5722	120	3	a	a	DET
easat-5722	120	4	critical	critical	ADJ
easat-5722	120	5	variable	variable	NOUN
easat-5722	120	6	in	in	ADP
easat-5722	120	7	understanding	understand	VERB
easat-5722	120	8	technology	technology	NOUN
easat-5722	120	9	adoption	adoption	NOUN
easat-5722	120	10	behavior	behavior	NOUN
easat-5722	120	11	.	.	PUNCT
easat-5722	121	1	in	in	ADP
easat-5722	121	2	this	this	DET
easat-5722	121	3	study	study	NOUN
easat-5722	121	4	,	,	PUNCT
easat-5722	121	5	the	the	DET
easat-5722	121	6	age	age	NOUN
easat-5722	121	7	distribution	distribution	NOUN
easat-5722	121	8	of	of	ADP
easat-5722	121	9	the	the	DET
easat-5722	121	10	valid	valid	ADJ
easat-5722	121	11	responses	response	NOUN
easat-5722	121	12	is	be	AUX
easat-5722	121	13	as	as	SCONJ
easat-5722	121	14	follows	follow	VERB
easat-5722	121	15	:	:	PUNCT
easat-5722	121	16	61.45	61.45	NUM
easat-5722	121	17	%	%	NOUN
easat-5722	121	18	of	of	ADP
easat-5722	121	19	respondents	respondent	NOUN
easat-5722	121	20	are	be	AUX
easat-5722	121	21	between	between	ADP
easat-5722	121	22	25	25	NUM
easat-5722	121	23	and	and	CCONJ
easat-5722	121	24	35	35	NUM
easat-5722	121	25	years	year	NOUN
easat-5722	121	26	old	old	ADJ
easat-5722	121	27	,	,	PUNCT
easat-5722	121	28	27.93	27.93	NUM
easat-5722	121	29	%	%	NOUN
easat-5722	121	30	fall	fall	NOUN
easat-5722	121	31	in	in	ADP
easat-5722	121	32	the	the	DET
easat-5722	121	33	35–50	35–50	NUM
easat-5722	121	34	age	age	NOUN
easat-5722	121	35	bracket	bracket	NOUN
easat-5722	121	36	,	,	PUNCT
easat-5722	121	37	and	and	CCONJ
easat-5722	121	38	only	only	ADV
easat-5722	121	39	10.62	10.62	NUM
easat-5722	121	40	%	%	NOUN
easat-5722	121	41	are	be	AUX
easat-5722	121	42	aged	age	VERB
easat-5722	121	43	50	50	NUM
easat-5722	121	44	years	year	NOUN
easat-5722	121	45	or	or	CCONJ
easat-5722	121	46	above	above	ADV
easat-5722	121	47	.	.	PUNCT
easat-5722	122	1	the	the	DET
easat-5722	122	2	overwhelming	overwhelming	ADJ
easat-5722	122	3	representation	representation	NOUN
easat-5722	122	4	of	of	ADP
easat-5722	122	5	younger	young	ADJ
easat-5722	122	6	adults	adult	NOUN
easat-5722	122	7	(	(	PUNCT
easat-5722	122	8	25–35	25–35	NUM
easat-5722	122	9	)	)	PUNCT
easat-5722	122	10	suggests	suggest	VERB
easat-5722	122	11	that	that	SCONJ
easat-5722	122	12	digital	digital	ADJ
easat-5722	122	13	banking	banking	NOUN
easat-5722	122	14	services	service	NOUN
easat-5722	122	15	are	be	AUX
easat-5722	122	16	primarily	primarily	ADV
easat-5722	122	17	embraced	embrace	VERB
easat-5722	122	18	by	by	ADP
easat-5722	122	19	a	a	DET
easat-5722	122	20	tech	tech	NOUN
easat-5722	122	21	-	-	PUNCT
easat-5722	122	22	savvy	savvy	ADJ
easat-5722	122	23	,	,	PUNCT
easat-5722	122	24	digitally	digitally	ADV
easat-5722	122	25	native	native	ADJ
easat-5722	122	26	demographic	demographic	ADJ
easat-5722	122	27	.	.	PUNCT
easat-5722	123	1	younger	young	ADJ
easat-5722	123	2	individuals	individual	NOUN
easat-5722	123	3	tend	tend	VERB
easat-5722	123	4	to	to	PART
easat-5722	123	5	be	be	AUX
easat-5722	123	6	more	more	ADV
easat-5722	123	7	comfortable	comfortable	ADJ
easat-5722	123	8	with	with	ADP
easat-5722	123	9	and	and	CCONJ
easat-5722	123	10	more	more	ADV
easat-5722	123	11	adept	adept	ADJ
easat-5722	123	12	at	at	ADP
easat-5722	123	13	using	use	VERB
easat-5722	123	14	digital	digital	ADJ
easat-5722	123	15	technologies	technology	NOUN
easat-5722	123	16	,	,	PUNCT
easat-5722	123	17	making	make	VERB
easat-5722	123	18	them	they	PRON
easat-5722	123	19	early	early	ADJ
easat-5722	123	20	adopters	adopter	NOUN
easat-5722	123	21	of	of	ADP
easat-5722	123	22	online	online	ADJ
easat-5722	123	23	banking	banking	NOUN
easat-5722	123	24	solutions	solution	NOUN
easat-5722	123	25	.	.	PUNCT
easat-5722	124	1	this	this	DET
easat-5722	124	2	age	age	NOUN
easat-5722	124	3	distribution	distribution	NOUN
easat-5722	124	4	not	not	PART
easat-5722	124	5	only	only	ADV
easat-5722	124	6	reinforces	reinforce	VERB
easat-5722	124	7	the	the	DET
easat-5722	124	8	relevance	relevance	NOUN
easat-5722	124	9	of	of	ADP
easat-5722	124	10	digital	digital	ADJ
easat-5722	124	11	banking	banking	NOUN
easat-5722	124	12	in	in	ADP
easat-5722	124	13	today	today	NOUN
easat-5722	124	14	’s	’s	PART
easat-5722	124	15	market	market	NOUN
easat-5722	124	16	but	but	CCONJ
easat-5722	124	17	also	also	ADV
easat-5722	124	18	highlights	highlight	VERB
easat-5722	124	19	the	the	DET
easat-5722	124	20	need	need	NOUN
easat-5722	124	21	for	for	ADP
easat-5722	124	22	targeted	target	VERB
easat-5722	124	23	strategies	strategy	NOUN
easat-5722	124	24	that	that	PRON
easat-5722	124	25	consider	consider	VERB
easat-5722	124	26	the	the	DET
easat-5722	124	27	differing	differ	VERB
easat-5722	124	28	needs	need	NOUN
easat-5722	124	29	and	and	CCONJ
easat-5722	124	30	technological	technological	ADJ
easat-5722	124	31	proficiencies	proficiency	NOUN
easat-5722	124	32	across	across	ADP
easat-5722	124	33	age	age	NOUN
easat-5722	124	34	groups	group	NOUN
easat-5722	124	35	.	.	PUNCT
easat-5722	125	1	educational	educational	ADJ
easat-5722	125	2	attainment	attainment	NOUN
easat-5722	125	3	is	be	AUX
easat-5722	125	4	another	another	DET
easat-5722	125	5	significant	significant	ADJ
easat-5722	125	6	factor	factor	NOUN
easat-5722	125	7	that	that	PRON
easat-5722	125	8	influences	influence	VERB
easat-5722	125	9	the	the	DET
easat-5722	125	10	adoption	adoption	NOUN
easat-5722	125	11	of	of	ADP
easat-5722	125	12	digital	digital	ADJ
easat-5722	125	13	technologies	technology	NOUN
easat-5722	125	14	.	.	PUNCT
easat-5722	126	1	in	in	ADP
easat-5722	126	2	our	our	PRON
easat-5722	126	3	sample	sample	NOUN
easat-5722	126	4	,	,	PUNCT
easat-5722	126	5	72.07	72.07	NUM
easat-5722	126	6	%	%	NOUN
easat-5722	126	7	of	of	ADP
easat-5722	126	8	respondents	respondent	NOUN
easat-5722	126	9	hold	hold	VERB
easat-5722	126	10	a	a	DET
easat-5722	126	11	university	university	NOUN
easat-5722	126	12	degree	degree	NOUN
easat-5722	126	13	,	,	PUNCT
easat-5722	126	14	11.17	11.17	NUM
easat-5722	126	15	%	%	NOUN
easat-5722	126	16	have	have	AUX
easat-5722	126	17	obtained	obtain	VERB
easat-5722	126	18	postgraduate	postgraduate	NOUN
easat-5722	126	19	qualifications	qualification	NOUN
easat-5722	126	20	,	,	PUNCT
easat-5722	126	21	and	and	CCONJ
easat-5722	126	22	16.76	16.76	NUM
easat-5722	126	23	%	%	NOUN
easat-5722	126	24	have	have	VERB
easat-5722	126	25	a	a	DET
easat-5722	126	26	high	high	ADJ
easat-5722	126	27	school	school	NOUN
easat-5722	126	28	level	level	NOUN
easat-5722	126	29	education	education	NOUN
easat-5722	126	30	.	.	PUNCT
easat-5722	127	1	the	the	DET
easat-5722	127	2	high	high	ADJ
easat-5722	127	3	proportion	proportion	NOUN
easat-5722	127	4	of	of	ADP
easat-5722	127	5	respondents	respondent	NOUN
easat-5722	127	6	with	with	ADP
easat-5722	127	7	university	university	NOUN
easat-5722	127	8	-	-	PUNCT
easat-5722	127	9	level	level	NOUN
easat-5722	127	10	education	education	NOUN
easat-5722	127	11	indicates	indicate	VERB
easat-5722	127	12	a	a	DET
easat-5722	127	13	customer	customer	NOUN
easat-5722	127	14	base	base	NOUN
easat-5722	127	15	that	that	PRON
easat-5722	127	16	is	be	AUX
easat-5722	127	17	more	more	ADV
easat-5722	127	18	likely	likely	ADJ
easat-5722	127	19	to	to	PART
easat-5722	127	20	appreciate	appreciate	VERB
easat-5722	127	21	1959	1959	NUM
easat-5722	127	22	edelweiss	edelweiss	PROPN
easat-5722	127	23	applied	apply	VERB
easat-5722	127	24	science	science	NOUN
easat-5722	127	25	and	and	CCONJ
easat-5722	127	26	technology	technology	NOUN
easat-5722	127	27	issn	issn	PROPN
easat-5722	127	28	:	:	PUNCT
easat-5722	127	29	2576	2576	NUM
easat-5722	127	30	-	-	SYM
easat-5722	127	31	8484	8484	NUM
easat-5722	127	32	vol	vol	NOUN
easat-5722	127	33	.	.	PROPN
easat-5722	128	1	9	9	NUM
easat-5722	128	2	,	,	PUNCT
easat-5722	128	3	no	no	INTJ
easat-5722	128	4	.	.	NOUN
easat-5722	129	1	3	3	NUM
easat-5722	129	2	:	:	SYM
easat-5722	129	3	1954	1954	NUM
easat-5722	129	4	-	-	SYM
easat-5722	129	5	1971	1971	NUM
easat-5722	129	6	,	,	PUNCT
easat-5722	129	7	2024	2024	NUM
easat-5722	129	8	doi	doi	NOUN
easat-5722	129	9	:	:	PUNCT
easat-5722	129	10	10.55214/25768484.v9i3.5722	10.55214/25768484.v9i3.5722	NUM
easat-5722	129	11	©	©	PROPN
easat-5722	129	12	2025	2025	NUM
easat-5722	129	13	by	by	ADP
easat-5722	129	14	the	the	DET
easat-5722	129	15	authors	author	NOUN
easat-5722	129	16	;	;	PUNCT
easat-5722	129	17	licensee	licensee	PROPN
easat-5722	129	18	learning	learning	NOUN
easat-5722	129	19	gate	gate	VERB
easat-5722	129	20	the	the	DET
easat-5722	129	21	benefits	benefit	NOUN
easat-5722	129	22	and	and	CCONJ
easat-5722	129	23	complexities	complexity	NOUN
easat-5722	129	24	of	of	ADP
easat-5722	129	25	digital	digital	ADJ
easat-5722	129	26	banking	banking	NOUN
easat-5722	129	27	services	service	NOUN
easat-5722	129	28	.	.	PUNCT
easat-5722	130	1	a	a	DET
easat-5722	130	2	higher	high	ADJ
easat-5722	130	3	level	level	NOUN
easat-5722	130	4	of	of	ADP
easat-5722	130	5	education	education	NOUN
easat-5722	130	6	is	be	AUX
easat-5722	130	7	often	often	ADV
easat-5722	130	8	correlated	correlate	VERB
easat-5722	130	9	with	with	ADP
easat-5722	130	10	a	a	DET
easat-5722	130	11	greater	great	ADJ
easat-5722	130	12	understanding	understanding	NOUN
easat-5722	130	13	of	of	ADP
easat-5722	130	14	technology	technology	NOUN
easat-5722	130	15	and	and	CCONJ
easat-5722	130	16	a	a	DET
easat-5722	130	17	stronger	strong	ADJ
easat-5722	130	18	propensity	propensity	NOUN
easat-5722	130	19	to	to	PART
easat-5722	130	20	adopt	adopt	VERB
easat-5722	130	21	new	new	ADJ
easat-5722	130	22	digital	digital	ADJ
easat-5722	130	23	tools	tool	NOUN
easat-5722	130	24	,	,	PUNCT
easat-5722	130	25	which	which	PRON
easat-5722	130	26	supports	support	VERB
easat-5722	130	27	the	the	DET
easat-5722	130	28	notion	notion	NOUN
easat-5722	130	29	that	that	SCONJ
easat-5722	130	30	digital	digital	ADJ
easat-5722	130	31	banking	banking	NOUN
easat-5722	130	32	is	be	AUX
easat-5722	130	33	particularly	particularly	ADV
easat-5722	130	34	attractive	attractive	ADJ
easat-5722	130	35	to	to	ADP
easat-5722	130	36	well	well	ADV
easat-5722	130	37	-	-	PUNCT
easat-5722	130	38	educated	educate	VERB
easat-5722	130	39	consumers	consumer	NOUN
easat-5722	130	40	.	.	PUNCT
easat-5722	131	1	this	this	DET
easat-5722	131	2	educational	educational	ADJ
easat-5722	131	3	profile	profile	NOUN
easat-5722	131	4	provides	provide	VERB
easat-5722	131	5	a	a	DET
easat-5722	131	6	robust	robust	ADJ
easat-5722	131	7	foundation	foundation	NOUN
easat-5722	131	8	for	for	ADP
easat-5722	131	9	examining	examine	VERB
easat-5722	131	10	how	how	SCONJ
easat-5722	131	11	constructs	construct	NOUN
easat-5722	131	12	such	such	ADJ
easat-5722	131	13	as	as	ADP
easat-5722	131	14	perceived	perceive	VERB
easat-5722	131	15	usefulness	usefulness	NOUN
easat-5722	131	16	and	and	CCONJ
easat-5722	131	17	trust	trust	NOUN
easat-5722	131	18	affect	affect	VERB
easat-5722	131	19	digital	digital	ADJ
easat-5722	131	20	banking	banking	NOUN
easat-5722	131	21	adoption	adoption	NOUN
easat-5722	131	22	.	.	PUNCT
easat-5722	132	1	income	income	NOUN
easat-5722	132	2	level	level	NOUN
easat-5722	132	3	is	be	AUX
easat-5722	132	4	an	an	DET
easat-5722	132	5	important	important	ADJ
easat-5722	132	6	determinant	determinant	ADJ
easat-5722	132	7	in	in	ADP
easat-5722	132	8	understanding	understand	VERB
easat-5722	132	9	consumer	consumer	NOUN
easat-5722	132	10	behavior	behavior	NOUN
easat-5722	132	11	towards	towards	ADP
easat-5722	132	12	digital	digital	ADJ
easat-5722	132	13	banking	banking	NOUN
easat-5722	132	14	.	.	PUNCT
easat-5722	133	1	for	for	ADP
easat-5722	133	2	this	this	DET
easat-5722	133	3	study	study	NOUN
easat-5722	133	4	,	,	PUNCT
easat-5722	133	5	respondents	respondent	NOUN
easat-5722	133	6	were	be	AUX
easat-5722	133	7	categorized	categorize	VERB
easat-5722	133	8	into	into	ADP
easat-5722	133	9	four	four	NUM
easat-5722	133	10	income	income	NOUN
easat-5722	133	11	groups	group	NOUN
easat-5722	133	12	:	:	PUNCT
easat-5722	133	13	below	below	ADP
easat-5722	133	14	20	20	NUM
easat-5722	133	15	million	million	NUM
easat-5722	133	16	vnd	vnd	NOUN
easat-5722	133	17	:	:	PUNCT
easat-5722	133	18	30.17	30.17	NUM
easat-5722	133	19	%	%	NOUN
easat-5722	133	20	;	;	PUNCT
easat-5722	133	21	20–40	20–40	NUM
easat-5722	133	22	million	million	NUM
easat-5722	133	23	vnd	vnd	PROPN
easat-5722	133	24	:	:	PUNCT
easat-5722	133	25	32.96	32.96	NUM
easat-5722	133	26	%	%	NOUN
easat-5722	133	27	;	;	PUNCT
easat-5722	133	28	40–60	40–60	NUM
easat-5722	133	29	million	million	NUM
easat-5722	133	30	vnd	vnd	PROPN
easat-5722	133	31	:	:	PUNCT
easat-5722	133	32	28.49	28.49	NUM
easat-5722	133	33	%	%	NOUN
easat-5722	133	34	;	;	PUNCT
easat-5722	133	35	above	above	ADP
easat-5722	133	36	60	60	NUM
easat-5722	133	37	million	million	NUM
easat-5722	133	38	vnd	vnd	NOUN
easat-5722	133	39	:	:	PUNCT
easat-5722	133	40	8.38	8.38	NUM
easat-5722	133	41	%	%	NOUN
easat-5722	133	42	this	this	DET
easat-5722	133	43	distribution	distribution	NOUN
easat-5722	133	44	shows	show	VERB
easat-5722	133	45	that	that	SCONJ
easat-5722	133	46	the	the	DET
easat-5722	133	47	majority	majority	NOUN
easat-5722	133	48	of	of	ADP
easat-5722	133	49	respondents	respondent	NOUN
easat-5722	133	50	fall	fall	VERB
easat-5722	133	51	into	into	ADP
easat-5722	133	52	the	the	DET
easat-5722	133	53	lower	low	ADJ
easat-5722	133	54	to	to	ADP
easat-5722	133	55	middle	middle	ADJ
easat-5722	133	56	-	-	PUNCT
easat-5722	133	57	income	income	NOUN
easat-5722	133	58	brackets	bracket	NOUN
easat-5722	133	59	,	,	PUNCT
easat-5722	133	60	with	with	ADP
easat-5722	133	61	a	a	DET
easat-5722	133	62	relatively	relatively	ADV
easat-5722	133	63	small	small	ADJ
easat-5722	133	64	proportion	proportion	NOUN
easat-5722	133	65	in	in	ADP
easat-5722	133	66	the	the	DET
easat-5722	133	67	highest	high	ADJ
easat-5722	133	68	income	income	NOUN
easat-5722	133	69	group	group	NOUN
easat-5722	133	70	.	.	PUNCT
easat-5722	134	1	the	the	DET
easat-5722	134	2	near	near	ADV
easat-5722	134	3	-	-	PUNCT
easat-5722	134	4	even	even	ADJ
easat-5722	134	5	distribution	distribution	NOUN
easat-5722	134	6	among	among	ADP
easat-5722	134	7	the	the	DET
easat-5722	134	8	first	first	ADJ
easat-5722	134	9	three	three	NUM
easat-5722	134	10	categories	category	NOUN
easat-5722	134	11	suggests	suggest	VERB
easat-5722	134	12	that	that	SCONJ
easat-5722	134	13	digital	digital	ADJ
easat-5722	134	14	banking	banking	NOUN
easat-5722	134	15	services	service	NOUN
easat-5722	134	16	appeal	appeal	VERB
easat-5722	134	17	across	across	ADP
easat-5722	134	18	a	a	DET
easat-5722	134	19	broad	broad	ADJ
easat-5722	134	20	economic	economic	ADJ
easat-5722	134	21	spectrum	spectrum	NOUN
easat-5722	134	22	,	,	PUNCT
easat-5722	134	23	although	although	SCONJ
easat-5722	134	24	there	there	PRON
easat-5722	134	25	may	may	AUX
easat-5722	134	26	be	be	AUX
easat-5722	134	27	differences	difference	NOUN
easat-5722	134	28	in	in	ADP
easat-5722	134	29	sensitivity	sensitivity	NOUN
easat-5722	134	30	to	to	ADP
easat-5722	134	31	service	service	NOUN
easat-5722	134	32	fees	fee	NOUN
easat-5722	134	33	and	and	CCONJ
easat-5722	134	34	perceived	perceive	VERB
easat-5722	134	35	financial	financial	ADJ
easat-5722	134	36	costs	cost	NOUN
easat-5722	134	37	.	.	PUNCT
easat-5722	135	1	for	for	ADP
easat-5722	135	2	instance	instance	NOUN
easat-5722	135	3	,	,	PUNCT
easat-5722	135	4	individuals	individual	NOUN
easat-5722	135	5	in	in	ADP
easat-5722	135	6	the	the	DET
easat-5722	135	7	lower	low	ADJ
easat-5722	135	8	income	income	NOUN
easat-5722	135	9	bracket	bracket	NOUN
easat-5722	135	10	might	might	AUX
easat-5722	135	11	be	be	AUX
easat-5722	135	12	more	more	ADV
easat-5722	135	13	cautious	cautious	ADJ
easat-5722	135	14	about	about	ADP
easat-5722	135	15	any	any	DET
easat-5722	135	16	additional	additional	ADJ
easat-5722	135	17	financial	financial	ADJ
easat-5722	135	18	burden	burden	NOUN
easat-5722	135	19	,	,	PUNCT
easat-5722	135	20	while	while	SCONJ
easat-5722	135	21	those	those	PRON
easat-5722	135	22	with	with	ADP
easat-5722	135	23	higher	high	ADJ
easat-5722	135	24	incomes	income	NOUN
easat-5722	135	25	could	could	AUX
easat-5722	135	26	be	be	AUX
easat-5722	135	27	more	more	ADV
easat-5722	135	28	willing	willing	ADJ
easat-5722	135	29	to	to	PART
easat-5722	135	30	pay	pay	VERB
easat-5722	135	31	for	for	ADP
easat-5722	135	32	enhanced	enhanced	ADJ
easat-5722	135	33	convenience	convenience	NOUN
easat-5722	135	34	and	and	CCONJ
easat-5722	135	35	premium	premium	NOUN
easat-5722	135	36	service	service	NOUN
easat-5722	135	37	features	feature	NOUN
easat-5722	135	38	.	.	PUNCT
easat-5722	136	1	understanding	understand	VERB
easat-5722	136	2	this	this	DET
easat-5722	136	3	income	income	NOUN
easat-5722	136	4	segmentation	segmentation	NOUN
easat-5722	136	5	is	be	AUX
easat-5722	136	6	crucial	crucial	ADJ
easat-5722	136	7	for	for	ADP
easat-5722	136	8	banks	bank	NOUN
easat-5722	136	9	,	,	PUNCT
easat-5722	136	10	as	as	SCONJ
easat-5722	136	11	it	it	PRON
easat-5722	136	12	can	can	AUX
easat-5722	136	13	inform	inform	VERB
easat-5722	136	14	the	the	DET
easat-5722	136	15	development	development	NOUN
easat-5722	136	16	of	of	ADP
easat-5722	136	17	tiered	tiere	VERB
easat-5722	136	18	service	service	NOUN
easat-5722	136	19	models	model	NOUN
easat-5722	136	20	and	and	CCONJ
easat-5722	136	21	targeted	target	VERB
easat-5722	136	22	marketing	marketing	NOUN
easat-5722	136	23	strategies	strategy	NOUN
easat-5722	136	24	aimed	aim	VERB
easat-5722	136	25	at	at	ADP
easat-5722	136	26	minimizing	minimize	VERB
easat-5722	136	27	cost	cost	NOUN
easat-5722	136	28	-	-	PUNCT
easat-5722	136	29	related	relate	VERB
easat-5722	136	30	barriers	barrier	NOUN
easat-5722	136	31	to	to	ADP
easat-5722	136	32	adoption	adoption	NOUN
easat-5722	136	33	.	.	PUNCT
easat-5722	137	1	the	the	DET
easat-5722	137	2	descriptive	descriptive	ADJ
easat-5722	137	3	statistics	statistic	NOUN
easat-5722	137	4	of	of	ADP
easat-5722	137	5	the	the	DET
easat-5722	137	6	sample	sample	NOUN
easat-5722	137	7	offer	offer	VERB
easat-5722	137	8	several	several	ADJ
easat-5722	137	9	insights	insight	NOUN
easat-5722	137	10	into	into	ADP
easat-5722	137	11	the	the	DET
easat-5722	137	12	profile	profile	NOUN
easat-5722	137	13	of	of	ADP
easat-5722	137	14	digital	digital	ADJ
easat-5722	137	15	banking	banking	NOUN
easat-5722	137	16	users	user	NOUN
easat-5722	137	17	in	in	ADP
easat-5722	137	18	vietnam	vietnam	PROPN
easat-5722	137	19	.	.	PUNCT
easat-5722	138	1	the	the	DET
easat-5722	138	2	predominance	predominance	NOUN
easat-5722	138	3	of	of	ADP
easat-5722	138	4	younger	young	ADJ
easat-5722	138	5	,	,	PUNCT
easat-5722	138	6	well	well	ADV
easat-5722	138	7	-	-	PUNCT
easat-5722	138	8	educated	educate	VERB
easat-5722	138	9	individuals	individual	NOUN
easat-5722	138	10	,	,	PUNCT
easat-5722	138	11	coupled	couple	VERB
easat-5722	138	12	with	with	ADP
easat-5722	138	13	a	a	DET
easat-5722	138	14	balanced	balanced	ADJ
easat-5722	138	15	distribution	distribution	NOUN
easat-5722	138	16	of	of	ADP
easat-5722	138	17	income	income	NOUN
easat-5722	138	18	levels	level	NOUN
easat-5722	138	19	,	,	PUNCT
easat-5722	138	20	suggests	suggest	VERB
easat-5722	138	21	a	a	DET
easat-5722	138	22	dynamic	dynamic	ADJ
easat-5722	138	23	and	and	CCONJ
easat-5722	138	24	receptive	receptive	ADJ
easat-5722	138	25	target	target	NOUN
easat-5722	138	26	market	market	NOUN
easat-5722	138	27	.	.	PUNCT
easat-5722	139	1	the	the	DET
easat-5722	139	2	slight	slight	ADJ
easat-5722	139	3	male	male	ADJ
easat-5722	139	4	predominance	predominance	NOUN
easat-5722	139	5	observed	observe	VERB
easat-5722	139	6	in	in	ADP
easat-5722	139	7	the	the	DET
easat-5722	139	8	sample	sample	NOUN
easat-5722	139	9	is	be	AUX
easat-5722	139	10	consistent	consistent	ADJ
easat-5722	139	11	with	with	ADP
easat-5722	139	12	prior	prior	ADJ
easat-5722	139	13	research	research	NOUN
easat-5722	139	14	and	and	CCONJ
easat-5722	139	15	provides	provide	VERB
easat-5722	139	16	an	an	DET
easat-5722	139	17	opportunity	opportunity	NOUN
easat-5722	139	18	to	to	PART
easat-5722	139	19	investigate	investigate	VERB
easat-5722	139	20	potential	potential	ADJ
easat-5722	139	21	gender	gender	NOUN
easat-5722	139	22	differences	difference	NOUN
easat-5722	139	23	in	in	ADP
easat-5722	139	24	digital	digital	ADJ
easat-5722	139	25	banking	banking	NOUN
easat-5722	139	26	behaviors	behavior	NOUN
easat-5722	139	27	,	,	PUNCT
easat-5722	139	28	such	such	ADJ
easat-5722	139	29	as	as	ADP
easat-5722	139	30	variations	variation	NOUN
easat-5722	139	31	in	in	ADP
easat-5722	139	32	risk	risk	NOUN
easat-5722	139	33	perception	perception	NOUN
easat-5722	139	34	and	and	CCONJ
easat-5722	139	35	trust	trust	NOUN
easat-5722	139	36	.	.	PUNCT
easat-5722	140	1	furthermore	furthermore	ADV
easat-5722	140	2	,	,	PUNCT
easat-5722	140	3	the	the	DET
easat-5722	140	4	age	age	NOUN
easat-5722	140	5	distribution	distribution	NOUN
easat-5722	140	6	—	—	PUNCT
easat-5722	140	7	with	with	ADP
easat-5722	140	8	a	a	DET
easat-5722	140	9	significant	significant	ADJ
easat-5722	140	10	majority	majority	NOUN
easat-5722	140	11	of	of	ADP
easat-5722	140	12	respondents	respondent	NOUN
easat-5722	140	13	in	in	ADP
easat-5722	140	14	the	the	DET
easat-5722	140	15	25–35	25–35	NUM
easat-5722	140	16	age	age	NOUN
easat-5722	140	17	range	range	NOUN
easat-5722	140	18	—	—	PUNCT
easat-5722	140	19	underscores	underscore	VERB
easat-5722	140	20	the	the	DET
easat-5722	140	21	importance	importance	NOUN
easat-5722	140	22	of	of	ADP
easat-5722	140	23	tailoring	tailor	VERB
easat-5722	140	24	digital	digital	ADJ
easat-5722	140	25	banking	banking	NOUN
easat-5722	140	26	services	service	NOUN
easat-5722	140	27	to	to	PART
easat-5722	140	28	meet	meet	VERB
easat-5722	140	29	the	the	DET
easat-5722	140	30	expectations	expectation	NOUN
easat-5722	140	31	of	of	ADP
easat-5722	140	32	a	a	DET
easat-5722	140	33	tech	tech	NOUN
easat-5722	140	34	-	-	PUNCT
easat-5722	140	35	savvy	savvy	ADJ
easat-5722	140	36	demographic	demographic	ADJ
easat-5722	140	37	that	that	PRON
easat-5722	140	38	prioritizes	prioritize	VERB
easat-5722	140	39	convenience	convenience	NOUN
easat-5722	140	40	,	,	PUNCT
easat-5722	140	41	speed	speed	NOUN
easat-5722	140	42	,	,	PUNCT
easat-5722	140	43	and	and	CCONJ
easat-5722	140	44	accessibility	accessibility	NOUN
easat-5722	140	45	.	.	PUNCT
easat-5722	141	1	the	the	DET
easat-5722	141	2	educational	educational	ADJ
easat-5722	141	3	profile	profile	NOUN
easat-5722	141	4	of	of	ADP
easat-5722	141	5	the	the	DET
easat-5722	141	6	sample	sample	NOUN
easat-5722	141	7	further	far	ADV
easat-5722	141	8	reinforces	reinforce	VERB
easat-5722	141	9	the	the	DET
easat-5722	141	10	potential	potential	NOUN
easat-5722	141	11	for	for	ADP
easat-5722	141	12	rapid	rapid	ADJ
easat-5722	141	13	adoption	adoption	NOUN
easat-5722	141	14	of	of	ADP
easat-5722	141	15	digital	digital	ADJ
easat-5722	141	16	banking	banking	NOUN
easat-5722	141	17	,	,	PUNCT
easat-5722	141	18	as	as	SCONJ
easat-5722	141	19	higher	high	ADJ
easat-5722	141	20	education	education	NOUN
easat-5722	141	21	is	be	AUX
easat-5722	141	22	typically	typically	ADV
easat-5722	141	23	associated	associate	VERB
easat-5722	141	24	with	with	ADP
easat-5722	141	25	greater	great	ADJ
easat-5722	141	26	familiarity	familiarity	NOUN
easat-5722	141	27	and	and	CCONJ
easat-5722	141	28	comfort	comfort	NOUN
easat-5722	141	29	with	with	ADP
easat-5722	141	30	digital	digital	ADJ
easat-5722	141	31	technologies	technology	NOUN
easat-5722	141	32	.	.	PUNCT
easat-5722	142	1	the	the	DET
easat-5722	142	2	income	income	NOUN
easat-5722	142	3	data	datum	NOUN
easat-5722	142	4	reveal	reveal	VERB
easat-5722	142	5	that	that	SCONJ
easat-5722	142	6	while	while	SCONJ
easat-5722	142	7	a	a	DET
easat-5722	142	8	substantial	substantial	ADJ
easat-5722	142	9	proportion	proportion	NOUN
easat-5722	142	10	of	of	ADP
easat-5722	142	11	the	the	DET
easat-5722	142	12	sample	sample	NOUN
easat-5722	142	13	comes	come	VERB
easat-5722	142	14	from	from	ADP
easat-5722	142	15	lower	low	ADJ
easat-5722	142	16	to	to	ADP
easat-5722	142	17	middle	middle	ADJ
easat-5722	142	18	-	-	PUNCT
easat-5722	142	19	income	income	NOUN
easat-5722	142	20	groups	group	NOUN
easat-5722	142	21	,	,	PUNCT
easat-5722	142	22	cost	cost	NOUN
easat-5722	142	23	considerations	consideration	NOUN
easat-5722	142	24	remain	remain	VERB
easat-5722	142	25	a	a	DET
easat-5722	142	26	critical	critical	ADJ
easat-5722	142	27	factor	factor	NOUN
easat-5722	142	28	.	.	PUNCT
easat-5722	143	1	banks	bank	NOUN
easat-5722	143	2	must	must	AUX
easat-5722	143	3	therefore	therefore	ADV
easat-5722	143	4	balance	balance	VERB
easat-5722	143	5	the	the	DET
easat-5722	143	6	implementation	implementation	NOUN
easat-5722	143	7	of	of	ADP
easat-5722	143	8	advanced	advanced	ADJ
easat-5722	143	9	digital	digital	ADJ
easat-5722	143	10	solutions	solution	NOUN
easat-5722	143	11	with	with	ADP
easat-5722	143	12	the	the	DET
easat-5722	143	13	need	need	NOUN
easat-5722	143	14	to	to	PART
easat-5722	143	15	maintain	maintain	VERB
easat-5722	143	16	affordability	affordability	NOUN
easat-5722	143	17	and	and	CCONJ
easat-5722	143	18	transparency	transparency	NOUN
easat-5722	143	19	in	in	ADP
easat-5722	143	20	fee	fee	NOUN
easat-5722	143	21	structures	structure	NOUN
easat-5722	143	22	.	.	PUNCT
easat-5722	144	1	the	the	DET
easat-5722	144	2	sensitivity	sensitivity	NOUN
easat-5722	144	3	to	to	ADP
easat-5722	144	4	perceived	perceive	VERB
easat-5722	144	5	financial	financial	ADJ
easat-5722	144	6	cost	cost	NOUN
easat-5722	144	7	among	among	ADP
easat-5722	144	8	these	these	DET
easat-5722	144	9	consumers	consumer	NOUN
easat-5722	144	10	may	may	AUX
easat-5722	144	11	influence	influence	VERB
easat-5722	144	12	their	their	PRON
easat-5722	144	13	overall	overall	ADJ
easat-5722	144	14	adoption	adoption	NOUN
easat-5722	144	15	decision	decision	NOUN
easat-5722	144	16	,	,	PUNCT
easat-5722	144	17	making	make	VERB
easat-5722	144	18	it	it	PRON
easat-5722	144	19	an	an	DET
easat-5722	144	20	essential	essential	ADJ
easat-5722	144	21	variable	variable	NOUN
easat-5722	144	22	in	in	ADP
easat-5722	144	23	our	our	PRON
easat-5722	144	24	study	study	NOUN
easat-5722	144	25	.	.	PUNCT
easat-5722	145	1	overall	overall	ADV
easat-5722	145	2	,	,	PUNCT
easat-5722	145	3	the	the	DET
easat-5722	145	4	robust	robust	ADJ
easat-5722	145	5	demographic	demographic	ADJ
easat-5722	145	6	profile	profile	NOUN
easat-5722	145	7	obtained	obtain	VERB
easat-5722	145	8	from	from	ADP
easat-5722	145	9	the	the	DET
easat-5722	145	10	179	179	NUM
easat-5722	145	11	valid	valid	ADJ
easat-5722	145	12	responses	response	NOUN
easat-5722	145	13	provides	provide	VERB
easat-5722	145	14	a	a	DET
easat-5722	145	15	comprehensive	comprehensive	ADJ
easat-5722	145	16	view	view	NOUN
easat-5722	145	17	of	of	ADP
easat-5722	145	18	the	the	DET
easat-5722	145	19	current	current	ADJ
easat-5722	145	20	landscape	landscape	NOUN
easat-5722	145	21	of	of	ADP
easat-5722	145	22	digital	digital	ADJ
easat-5722	145	23	banking	banking	NOUN
easat-5722	145	24	users	user	NOUN
easat-5722	145	25	in	in	ADP
easat-5722	145	26	vietnam	vietnam	PROPN
easat-5722	145	27	.	.	PUNCT
easat-5722	146	1	it	it	PRON
easat-5722	146	2	lays	lay	VERB
easat-5722	146	3	the	the	DET
easat-5722	146	4	groundwork	groundwork	NOUN
easat-5722	146	5	for	for	ADP
easat-5722	146	6	examining	examine	VERB
easat-5722	146	7	the	the	DET
easat-5722	146	8	relationships	relationship	NOUN
easat-5722	146	9	between	between	ADP
easat-5722	146	10	key	key	ADJ
easat-5722	146	11	determinants	determinant	NOUN
easat-5722	146	12	—	—	PUNCT
easat-5722	146	13	such	such	ADJ
easat-5722	146	14	as	as	ADP
easat-5722	146	15	perceived	perceive	VERB
easat-5722	146	16	confidence	confidence	NOUN
easat-5722	146	17	,	,	PUNCT
easat-5722	146	18	perceived	perceive	VERB
easat-5722	146	19	usefulness	usefulness	NOUN
easat-5722	146	20	,	,	PUNCT
easat-5722	146	21	perceived	perceive	VERB
easat-5722	146	22	financial	financial	ADJ
easat-5722	146	23	cost	cost	NOUN
easat-5722	146	24	,	,	PUNCT
easat-5722	146	25	perceived	perceive	VERB
easat-5722	146	26	risk	risk	NOUN
easat-5722	146	27	,	,	PUNCT
easat-5722	146	28	bank	bank	NOUN
easat-5722	146	29	brand	brand	NOUN
easat-5722	146	30	and	and	CCONJ
easat-5722	146	31	image	image	NOUN
easat-5722	146	32	,	,	PUNCT
easat-5722	146	33	and	and	CCONJ
easat-5722	146	34	perceived	perceive	VERB
easat-5722	146	35	trust	trust	NOUN
easat-5722	146	36	—	—	PUNCT
easat-5722	146	37	and	and	CCONJ
easat-5722	146	38	the	the	DET
easat-5722	146	39	decision	decision	NOUN
easat-5722	146	40	to	to	PART
easat-5722	146	41	adopt	adopt	VERB
easat-5722	146	42	digital	digital	ADJ
easat-5722	146	43	banking	banking	NOUN
easat-5722	146	44	services	service	NOUN
easat-5722	146	45	.	.	PUNCT
easat-5722	147	1	the	the	DET
easat-5722	147	2	diversity	diversity	NOUN
easat-5722	147	3	of	of	ADP
easat-5722	147	4	the	the	DET
easat-5722	147	5	sample	sample	NOUN
easat-5722	147	6	in	in	ADP
easat-5722	147	7	terms	term	NOUN
easat-5722	147	8	of	of	ADP
easat-5722	147	9	gender	gender	NOUN
easat-5722	147	10	,	,	PUNCT
easat-5722	147	11	age	age	NOUN
easat-5722	147	12	,	,	PUNCT
easat-5722	147	13	education	education	NOUN
easat-5722	147	14	,	,	PUNCT
easat-5722	147	15	and	and	CCONJ
easat-5722	147	16	income	income	NOUN
easat-5722	147	17	ensures	ensure	VERB
easat-5722	147	18	that	that	SCONJ
easat-5722	147	19	the	the	DET
easat-5722	147	20	subsequent	subsequent	ADJ
easat-5722	147	21	analyses	analysis	NOUN
easat-5722	147	22	will	will	AUX
easat-5722	147	23	capture	capture	VERB
easat-5722	147	24	a	a	DET
easat-5722	147	25	wide	wide	ADJ
easat-5722	147	26	range	range	NOUN
easat-5722	147	27	of	of	ADP
easat-5722	147	28	perspectives	perspective	NOUN
easat-5722	147	29	and	and	CCONJ
easat-5722	147	30	behaviors	behavior	NOUN
easat-5722	147	31	,	,	PUNCT
easat-5722	147	32	thereby	thereby	ADV
easat-5722	147	33	enhancing	enhance	VERB
easat-5722	147	34	the	the	DET
easat-5722	147	35	generalizability	generalizability	NOUN
easat-5722	147	36	of	of	ADP
easat-5722	147	37	the	the	DET
easat-5722	147	38	study	study	NOUN
easat-5722	147	39	’s	’s	PART
easat-5722	147	40	findings	finding	NOUN
easat-5722	147	41	.	.	PUNCT
easat-5722	148	1	3.2	3.2	NUM
easat-5722	148	2	.	.	PUNCT
easat-5722	148	3	descriptive	descriptive	ADJ
easat-5722	148	4	statistics	statistic	NOUN
easat-5722	148	5	of	of	ADP
easat-5722	148	6	observed	observed	ADJ
easat-5722	148	7	variables	variable	NOUN
easat-5722	148	8	the	the	DET
easat-5722	148	9	analysis	analysis	NOUN
easat-5722	148	10	based	base	VERB
easat-5722	148	11	on	on	ADP
easat-5722	148	12	the	the	DET
easat-5722	148	13	descriptive	descriptive	ADJ
easat-5722	148	14	statistics	statistic	NOUN
easat-5722	148	15	presented	present	VERB
easat-5722	148	16	in	in	ADP
easat-5722	148	17	table	table	NOUN
easat-5722	148	18	1	1	NUM
easat-5722	148	19	provides	provide	VERB
easat-5722	148	20	an	an	DET
easat-5722	148	21	in	in	ADP
easat-5722	148	22	-	-	PUNCT
easat-5722	148	23	depth	depth	NOUN
easat-5722	148	24	examination	examination	NOUN
easat-5722	148	25	of	of	ADP
easat-5722	148	26	the	the	DET
easat-5722	148	27	observed	observed	ADJ
easat-5722	148	28	variables	variable	NOUN
easat-5722	148	29	in	in	ADP
easat-5722	148	30	this	this	DET
easat-5722	148	31	study	study	NOUN
easat-5722	148	32	,	,	PUNCT
easat-5722	148	33	including	include	VERB
easat-5722	148	34	mean	mean	ADJ
easat-5722	148	35	values	value	NOUN
easat-5722	148	36	,	,	PUNCT
easat-5722	148	37	standard	standard	ADJ
easat-5722	148	38	deviations	deviation	NOUN
easat-5722	148	39	,	,	PUNCT
easat-5722	148	40	and	and	CCONJ
easat-5722	148	41	the	the	DET
easat-5722	148	42	degree	degree	NOUN
easat-5722	148	43	of	of	ADP
easat-5722	148	44	variability	variability	NOUN
easat-5722	148	45	across	across	ADP
easat-5722	148	46	different	different	ADJ
easat-5722	148	47	variable	variable	ADJ
easat-5722	148	48	groups	group	NOUN
easat-5722	148	49	.	.	PUNCT
easat-5722	149	1	the	the	DET
easat-5722	149	2	data	datum	NOUN
easat-5722	149	3	reveals	reveal	VERB
easat-5722	149	4	noteworthy	noteworthy	ADJ
easat-5722	149	5	trends	trend	NOUN
easat-5722	149	6	in	in	ADP
easat-5722	149	7	user	user	NOUN
easat-5722	149	8	perceptions	perception	NOUN
easat-5722	149	9	of	of	ADP
easat-5722	149	10	various	various	ADJ
easat-5722	149	11	factors	factor	NOUN
easat-5722	149	12	,	,	PUNCT
easat-5722	149	13	which	which	PRON
easat-5722	149	14	may	may	AUX
easat-5722	149	15	pertain	pertain	VERB
easat-5722	149	16	to	to	ADP
easat-5722	149	17	the	the	DET
easat-5722	149	18	finance	finance	NOUN
easat-5722	149	19	or	or	CCONJ
easat-5722	149	20	banking	banking	NOUN
easat-5722	149	21	sector	sector	NOUN
easat-5722	149	22	.	.	PUNCT
easat-5722	150	1	the	the	DET
easat-5722	150	2	variables	variable	NOUN
easat-5722	150	3	are	be	AUX
easat-5722	150	4	categorized	categorize	VERB
easat-5722	150	5	into	into	ADP
easat-5722	150	6	seven	seven	NUM
easat-5722	150	7	primary	primary	ADJ
easat-5722	150	8	groups	group	NOUN
easat-5722	150	9	,	,	PUNCT
easat-5722	150	10	each	each	PRON
easat-5722	150	11	representing	represent	VERB
easat-5722	150	12	an	an	DET
easat-5722	150	13	aspect	aspect	NOUN
easat-5722	150	14	of	of	ADP
easat-5722	150	15	user	user	NOUN
easat-5722	150	16	perception	perception	NOUN
easat-5722	150	17	or	or	CCONJ
easat-5722	150	18	intention	intention	NOUN
easat-5722	150	19	.	.	PUNCT
easat-5722	151	1	when	when	SCONJ
easat-5722	151	2	examining	examine	VERB
easat-5722	151	3	the	the	DET
easat-5722	151	4	mean	mean	ADJ
easat-5722	151	5	values	value	NOUN
easat-5722	151	6	of	of	ADP
easat-5722	151	7	these	these	DET
easat-5722	151	8	variable	variable	ADJ
easat-5722	151	9	groups	group	NOUN
easat-5722	151	10	,	,	PUNCT
easat-5722	151	11	several	several	ADJ
easat-5722	151	12	distinct	distinct	ADJ
easat-5722	151	13	trends	trend	NOUN
easat-5722	151	14	emerge	emerge	VERB
easat-5722	151	15	.	.	PUNCT
easat-5722	152	1	the	the	DET
easat-5722	152	2	perceived	perceive	VERB
easat-5722	152	3	usefulness	usefulness	NOUN
easat-5722	152	4	(	(	PUNCT
easat-5722	152	5	pu	pu	PROPN
easat-5722	152	6	)	)	PUNCT
easat-5722	152	7	group	group	NOUN
easat-5722	152	8	has	have	VERB
easat-5722	152	9	the	the	DET
easat-5722	152	10	highest	high	ADJ
easat-5722	152	11	mean	mean	NOUN
easat-5722	152	12	at	at	ADP
easat-5722	152	13	4.474	4.474	NUM
easat-5722	152	14	,	,	PUNCT
easat-5722	152	15	with	with	ADP
easat-5722	152	16	a	a	DET
easat-5722	152	17	relatively	relatively	ADV
easat-5722	152	18	low	low	ADJ
easat-5722	152	19	standard	standard	ADJ
easat-5722	152	20	deviation	deviation	NOUN
easat-5722	152	21	of	of	ADP
easat-5722	152	22	0.740	0.740	NUM
easat-5722	152	23	.	.	PUNCT
easat-5722	153	1	this	this	PRON
easat-5722	153	2	indicates	indicate	VERB
easat-5722	153	3	that	that	SCONJ
easat-5722	153	4	the	the	DET
easat-5722	153	5	study	study	NOUN
easat-5722	153	6	participants	participant	NOUN
easat-5722	153	7	generally	generally	ADV
easat-5722	153	8	perceive	perceive	VERB
easat-5722	153	9	the	the	DET
easat-5722	153	10	subject	subject	NOUN
easat-5722	153	11	of	of	ADP
easat-5722	153	12	the	the	DET
easat-5722	153	13	study	study	NOUN
easat-5722	153	14	1960	1960	NUM
easat-5722	153	15	edelweiss	edelweiss	PROPN
easat-5722	153	16	applied	apply	VERB
easat-5722	153	17	science	science	NOUN
easat-5722	153	18	and	and	CCONJ
easat-5722	153	19	technology	technology	NOUN
easat-5722	153	20	issn	issn	PROPN
easat-5722	153	21	:	:	PUNCT
easat-5722	153	22	2576	2576	NUM
easat-5722	153	23	-	-	SYM
easat-5722	153	24	8484	8484	NUM
easat-5722	153	25	vol	vol	NOUN
easat-5722	153	26	.	.	PROPN
easat-5722	154	1	9	9	NUM
easat-5722	154	2	,	,	PUNCT
easat-5722	154	3	no	no	INTJ
easat-5722	154	4	.	.	NOUN
easat-5722	155	1	3	3	NUM
easat-5722	155	2	:	:	SYM
easat-5722	155	3	1954	1954	NUM
easat-5722	155	4	-	-	SYM
easat-5722	155	5	1971	1971	NUM
easat-5722	155	6	,	,	PUNCT
easat-5722	155	7	2024	2024	NUM
easat-5722	155	8	doi	doi	NOUN
easat-5722	155	9	:	:	PUNCT
easat-5722	155	10	10.55214/25768484.v9i3.5722	10.55214/25768484.v9i3.5722	NUM
easat-5722	155	11	©	©	PROPN
easat-5722	155	12	2025	2025	NUM
easat-5722	155	13	by	by	ADP
easat-5722	155	14	the	the	DET
easat-5722	155	15	authors	author	NOUN
easat-5722	155	16	;	;	PUNCT
easat-5722	155	17	licensee	licensee	PROPN
easat-5722	155	18	learning	learning	NOUN
easat-5722	155	19	gate	gate	NOUN
easat-5722	155	20	to	to	PART
easat-5722	155	21	be	be	AUX
easat-5722	155	22	highly	highly	ADV
easat-5722	155	23	useful	useful	ADJ
easat-5722	155	24	,	,	PUNCT
easat-5722	155	25	with	with	ADP
easat-5722	155	26	a	a	DET
easat-5722	155	27	strong	strong	ADJ
easat-5722	155	28	consensus	consensus	NOUN
easat-5722	155	29	among	among	ADP
easat-5722	155	30	respondents	respondent	NOUN
easat-5722	155	31	.	.	PUNCT
easat-5722	156	1	the	the	DET
easat-5722	156	2	high	high	ADJ
easat-5722	156	3	score	score	NOUN
easat-5722	156	4	for	for	ADP
easat-5722	156	5	perceived	perceive	VERB
easat-5722	156	6	usefulness	usefulness	NOUN
easat-5722	156	7	highlights	highlight	NOUN
easat-5722	156	8	its	its	PRON
easat-5722	156	9	positive	positive	ADJ
easat-5722	156	10	reception	reception	NOUN
easat-5722	156	11	by	by	ADP
easat-5722	156	12	participants	participant	NOUN
easat-5722	156	13	,	,	PUNCT
easat-5722	156	14	making	make	VERB
easat-5722	156	15	it	it	PRON
easat-5722	156	16	the	the	DET
easat-5722	156	17	highest	highest	ADV
easat-5722	156	18	-	-	PUNCT
easat-5722	156	19	rated	rate	VERB
easat-5722	156	20	variable	variable	ADJ
easat-5722	156	21	group	group	NOUN
easat-5722	156	22	in	in	ADP
easat-5722	156	23	the	the	DET
easat-5722	156	24	study	study	NOUN
easat-5722	156	25	.	.	PUNCT
easat-5722	157	1	following	follow	VERB
easat-5722	157	2	closely	closely	ADV
easat-5722	157	3	is	be	AUX
easat-5722	157	4	the	the	DET
easat-5722	157	5	bank	bank	NOUN
easat-5722	157	6	brand	brand	NOUN
easat-5722	157	7	image	image	NOUN
easat-5722	157	8	(	(	PUNCT
easat-5722	157	9	ebi	ebi	NOUN
easat-5722	157	10	)	)	PUNCT
easat-5722	157	11	group	group	NOUN
easat-5722	157	12	,	,	PUNCT
easat-5722	157	13	with	with	ADP
easat-5722	157	14	a	a	DET
easat-5722	157	15	mean	mean	ADJ
easat-5722	157	16	value	value	NOUN
easat-5722	157	17	of	of	ADP
easat-5722	157	18	4.417	4.417	NUM
easat-5722	157	19	and	and	CCONJ
easat-5722	157	20	a	a	DET
easat-5722	157	21	standard	standard	ADJ
easat-5722	157	22	deviation	deviation	NOUN
easat-5722	157	23	of	of	ADP
easat-5722	157	24	0.747	0.747	NUM
easat-5722	157	25	.	.	PUNCT
easat-5722	158	1	this	this	DET
easat-5722	158	2	high	high	ADJ
easat-5722	158	3	score	score	NOUN
easat-5722	158	4	reflects	reflect	VERB
easat-5722	158	5	a	a	DET
easat-5722	158	6	positive	positive	ADJ
easat-5722	158	7	perception	perception	NOUN
easat-5722	158	8	of	of	ADP
easat-5722	158	9	the	the	DET
easat-5722	158	10	bank	bank	NOUN
easat-5722	158	11	’s	’s	PART
easat-5722	158	12	brand	brand	NOUN
easat-5722	158	13	image	image	NOUN
easat-5722	158	14	,	,	PUNCT
easat-5722	158	15	with	with	ADP
easat-5722	158	16	a	a	DET
easat-5722	158	17	relatively	relatively	ADV
easat-5722	158	18	consistent	consistent	ADJ
easat-5722	158	19	level	level	NOUN
easat-5722	158	20	of	of	ADP
easat-5722	158	21	agreement	agreement	NOUN
easat-5722	158	22	among	among	ADP
easat-5722	158	23	respondents	respondent	NOUN
easat-5722	158	24	,	,	PUNCT
easat-5722	158	25	as	as	SCONJ
easat-5722	158	26	indicated	indicate	VERB
easat-5722	158	27	by	by	ADP
easat-5722	158	28	the	the	DET
easat-5722	158	29	mid	mid	ADJ
easat-5722	158	30	-	-	ADJ
easat-5722	158	31	range	range	ADJ
easat-5722	158	32	standard	standard	ADJ
easat-5722	158	33	deviation	deviation	NOUN
easat-5722	158	34	compared	compare	VERB
easat-5722	158	35	to	to	ADP
easat-5722	158	36	other	other	ADJ
easat-5722	158	37	groups	group	NOUN
easat-5722	158	38	.	.	PUNCT
easat-5722	159	1	the	the	DET
easat-5722	159	2	intention	intention	NOUN
easat-5722	159	3	to	to	PART
easat-5722	159	4	use	use	VERB
easat-5722	159	5	(	(	PUNCT
easat-5722	159	6	yiu	yiu	PROPN
easat-5722	159	7	)	)	PUNCT
easat-5722	159	8	group	group	NOUN
easat-5722	159	9	scored	score	VERB
easat-5722	159	10	a	a	DET
easat-5722	159	11	mean	mean	NOUN
easat-5722	159	12	of	of	ADP
easat-5722	159	13	4.397	4.397	NUM
easat-5722	159	14	with	with	ADP
easat-5722	159	15	a	a	DET
easat-5722	159	16	standard	standard	ADJ
easat-5722	159	17	deviation	deviation	NOUN
easat-5722	159	18	of	of	ADP
easat-5722	159	19	0.740	0.740	NUM
easat-5722	159	20	.	.	PUNCT
easat-5722	160	1	this	this	PRON
easat-5722	160	2	suggests	suggest	VERB
easat-5722	160	3	that	that	SCONJ
easat-5722	160	4	participants	participant	NOUN
easat-5722	160	5	have	have	VERB
easat-5722	160	6	a	a	DET
easat-5722	160	7	strong	strong	ADJ
easat-5722	160	8	intention	intention	NOUN
easat-5722	160	9	to	to	PART
easat-5722	160	10	use	use	VERB
easat-5722	160	11	the	the	DET
easat-5722	160	12	product	product	NOUN
easat-5722	160	13	or	or	CCONJ
easat-5722	160	14	service	service	NOUN
easat-5722	160	15	being	be	AUX
easat-5722	160	16	evaluated	evaluate	VERB
easat-5722	160	17	,	,	PUNCT
easat-5722	160	18	nearly	nearly	ADV
easat-5722	160	19	matching	match	VERB
easat-5722	160	20	the	the	DET
easat-5722	160	21	perceived	perceive	VERB
easat-5722	160	22	brand	brand	NOUN
easat-5722	160	23	image	image	NOUN
easat-5722	160	24	scores	score	NOUN
easat-5722	160	25	.	.	PUNCT
easat-5722	161	1	the	the	DET
easat-5722	161	2	low	low	ADJ
easat-5722	161	3	standard	standard	ADJ
easat-5722	161	4	deviation	deviation	NOUN
easat-5722	161	5	also	also	ADV
easat-5722	161	6	points	point	VERB
easat-5722	161	7	to	to	ADP
easat-5722	161	8	a	a	DET
easat-5722	161	9	high	high	ADJ
easat-5722	161	10	level	level	NOUN
easat-5722	161	11	of	of	ADP
easat-5722	161	12	agreement	agreement	NOUN
easat-5722	161	13	among	among	ADP
easat-5722	161	14	respondents	respondent	NOUN
easat-5722	161	15	regarding	regard	VERB
easat-5722	161	16	their	their	PRON
easat-5722	161	17	intention	intention	NOUN
easat-5722	161	18	to	to	PART
easat-5722	161	19	use	use	VERB
easat-5722	161	20	the	the	DET
easat-5722	161	21	subject	subject	NOUN
easat-5722	161	22	of	of	ADP
easat-5722	161	23	the	the	DET
easat-5722	161	24	study	study	NOUN
easat-5722	161	25	.	.	PUNCT
easat-5722	162	1	the	the	DET
easat-5722	162	2	remaining	remain	VERB
easat-5722	162	3	variable	variable	ADJ
easat-5722	162	4	groups	group	NOUN
easat-5722	162	5	have	have	VERB
easat-5722	162	6	slightly	slightly	ADV
easat-5722	162	7	lower	low	ADJ
easat-5722	162	8	mean	mean	ADJ
easat-5722	162	9	values	value	NOUN
easat-5722	162	10	,	,	PUNCT
easat-5722	162	11	including	include	VERB
easat-5722	162	12	perceived	perceive	VERB
easat-5722	162	13	trust	trust	NOUN
easat-5722	162	14	(	(	PUNCT
easat-5722	162	15	pi	pi	NOUN
easat-5722	162	16	)	)	PUNCT
easat-5722	162	17	at	at	ADP
easat-5722	162	18	4.268	4.268	NUM
easat-5722	162	19	,	,	PUNCT
easat-5722	162	20	perceived	perceive	VERB
easat-5722	162	21	risk	risk	NOUN
easat-5722	162	22	(	(	PUNCT
easat-5722	162	23	pr	pr	NOUN
easat-5722	162	24	)	)	PUNCT
easat-5722	162	25	at	at	ADP
easat-5722	162	26	4.240	4.240	NUM
easat-5722	162	27	,	,	PUNCT
easat-5722	162	28	perceived	perceive	VERB
easat-5722	162	29	confidence	confidence	NOUN
easat-5722	162	30	(	(	PUNCT
easat-5722	162	31	pc	pc	NOUN
easat-5722	162	32	)	)	PUNCT
easat-5722	162	33	at	at	ADP
easat-5722	162	34	4.188	4.188	NUM
easat-5722	162	35	,	,	PUNCT
easat-5722	162	36	and	and	CCONJ
easat-5722	162	37	perceived	perceive	VERB
easat-5722	162	38	financial	financial	ADJ
easat-5722	162	39	cost	cost	NOUN
easat-5722	162	40	(	(	PUNCT
easat-5722	162	41	pfc	pfc	NOUN
easat-5722	162	42	)	)	PUNCT
easat-5722	162	43	at	at	ADP
easat-5722	162	44	4.164	4.164	NUM
easat-5722	162	45	.	.	PUNCT
easat-5722	163	1	although	although	SCONJ
easat-5722	163	2	these	these	DET
easat-5722	163	3	mean	mean	ADJ
easat-5722	163	4	values	value	NOUN
easat-5722	163	5	are	be	AUX
easat-5722	163	6	lower	low	ADJ
easat-5722	163	7	than	than	ADP
easat-5722	163	8	the	the	DET
easat-5722	163	9	previously	previously	ADV
easat-5722	163	10	mentioned	mention	VERB
easat-5722	163	11	groups	group	NOUN
easat-5722	163	12	,	,	PUNCT
easat-5722	163	13	they	they	PRON
easat-5722	163	14	are	be	AUX
easat-5722	163	15	still	still	ADV
easat-5722	163	16	above	above	ADP
easat-5722	163	17	the	the	DET
easat-5722	163	18	midpoint	midpoint	NOUN
easat-5722	163	19	of	of	ADP
easat-5722	163	20	the	the	DET
easat-5722	163	21	5	5	NUM
easat-5722	163	22	-	-	PUNCT
easat-5722	163	23	point	point	NOUN
easat-5722	163	24	scale	scale	NOUN
easat-5722	163	25	,	,	PUNCT
easat-5722	163	26	indicating	indicate	VERB
easat-5722	163	27	generally	generally	ADV
easat-5722	163	28	positive	positive	ADJ
easat-5722	163	29	responses	response	NOUN
easat-5722	163	30	from	from	ADP
easat-5722	163	31	participants	participant	NOUN
easat-5722	163	32	.	.	PUNCT
easat-5722	164	1	notably	notably	ADV
easat-5722	164	2	,	,	PUNCT
easat-5722	164	3	the	the	DET
easat-5722	164	4	perceived	perceive	VERB
easat-5722	164	5	financial	financial	ADJ
easat-5722	164	6	cost	cost	NOUN
easat-5722	164	7	(	(	PUNCT
easat-5722	164	8	pfc	pfc	NOUN
easat-5722	164	9	)	)	PUNCT
easat-5722	164	10	group	group	NOUN
easat-5722	164	11	has	have	VERB
easat-5722	164	12	the	the	DET
easat-5722	164	13	lowest	low	ADJ
easat-5722	164	14	mean	mean	NOUN
easat-5722	164	15	(	(	PUNCT
easat-5722	164	16	4.164	4.164	NUM
easat-5722	164	17	)	)	PUNCT
easat-5722	164	18	and	and	CCONJ
easat-5722	164	19	the	the	DET
easat-5722	164	20	highest	high	ADJ
easat-5722	164	21	standard	standard	ADJ
easat-5722	164	22	deviation	deviation	NOUN
easat-5722	164	23	(	(	PUNCT
easat-5722	164	24	0.884	0.884	NUM
easat-5722	164	25	)	)	PUNCT
easat-5722	164	26	among	among	ADP
easat-5722	164	27	all	all	DET
easat-5722	164	28	the	the	DET
easat-5722	164	29	groups	group	NOUN
easat-5722	164	30	.	.	PUNCT
easat-5722	165	1	this	this	PRON
easat-5722	165	2	suggests	suggest	VERB
easat-5722	165	3	a	a	DET
easat-5722	165	4	wider	wide	ADJ
easat-5722	165	5	range	range	NOUN
easat-5722	165	6	of	of	ADP
easat-5722	165	7	opinions	opinion	NOUN
easat-5722	165	8	regarding	regard	VERB
easat-5722	165	9	the	the	DET
easat-5722	165	10	financial	financial	ADJ
easat-5722	165	11	cost	cost	NOUN
easat-5722	165	12	associated	associate	VERB
easat-5722	165	13	with	with	ADP
easat-5722	165	14	the	the	DET
easat-5722	165	15	subject	subject	NOUN
easat-5722	165	16	of	of	ADP
easat-5722	165	17	the	the	DET
easat-5722	165	18	study	study	NOUN
easat-5722	165	19	,	,	PUNCT
easat-5722	165	20	potentially	potentially	ADV
easat-5722	165	21	making	make	VERB
easat-5722	165	22	it	it	PRON
easat-5722	165	23	the	the	DET
easat-5722	165	24	most	most	ADV
easat-5722	165	25	contentious	contentious	ADJ
easat-5722	165	26	aspect	aspect	NOUN
easat-5722	165	27	evaluated	evaluate	VERB
easat-5722	165	28	.	.	PUNCT
easat-5722	166	1	the	the	DET
easat-5722	166	2	coefficient	coefficient	NOUN
easat-5722	166	3	of	of	ADP
easat-5722	166	4	variation	variation	NOUN
easat-5722	166	5	(	(	PUNCT
easat-5722	166	6	cv	cv	PROPN
easat-5722	166	7	)	)	PUNCT
easat-5722	166	8	,	,	PUNCT
easat-5722	166	9	calculated	calculate	VERB
easat-5722	166	10	as	as	ADP
easat-5722	166	11	the	the	DET
easat-5722	166	12	standard	standard	ADJ
easat-5722	166	13	deviation	deviation	NOUN
easat-5722	166	14	divided	divide	VERB
easat-5722	166	15	by	by	ADP
easat-5722	166	16	the	the	DET
easat-5722	166	17	mean	mean	NOUN
easat-5722	166	18	,	,	PUNCT
easat-5722	166	19	provides	provide	VERB
easat-5722	166	20	insights	insight	NOUN
easat-5722	166	21	into	into	ADP
easat-5722	166	22	the	the	DET
easat-5722	166	23	relative	relative	ADJ
easat-5722	166	24	variability	variability	NOUN
easat-5722	166	25	of	of	ADP
easat-5722	166	26	the	the	DET
easat-5722	166	27	data	datum	NOUN
easat-5722	166	28	.	.	PUNCT
easat-5722	167	1	variables	variable	NOUN
easat-5722	167	2	with	with	ADP
easat-5722	167	3	a	a	DET
easat-5722	167	4	higher	high	ADJ
easat-5722	167	5	cv	cv	NOUN
easat-5722	167	6	indicate	indicate	VERB
easat-5722	167	7	greater	great	ADJ
easat-5722	167	8	fluctuations	fluctuation	NOUN
easat-5722	167	9	in	in	ADP
easat-5722	167	10	responses	response	NOUN
easat-5722	167	11	,	,	PUNCT
easat-5722	167	12	whereas	whereas	SCONJ
easat-5722	167	13	lower	low	ADJ
easat-5722	167	14	cv	cv	PROPN
easat-5722	167	15	values	value	NOUN
easat-5722	167	16	reflect	reflect	VERB
easat-5722	167	17	a	a	DET
easat-5722	167	18	stronger	strong	ADJ
easat-5722	167	19	consensus	consensus	NOUN
easat-5722	167	20	among	among	ADP
easat-5722	167	21	participants	participant	NOUN
easat-5722	167	22	.	.	PUNCT
easat-5722	168	1	the	the	DET
easat-5722	168	2	analysis	analysis	NOUN
easat-5722	168	3	shows	show	VERB
easat-5722	168	4	that	that	SCONJ
easat-5722	168	5	pc1	pc1	PROPN
easat-5722	168	6	has	have	VERB
easat-5722	168	7	the	the	DET
easat-5722	168	8	highest	high	ADJ
easat-5722	168	9	coefficient	coefficient	NOUN
easat-5722	168	10	of	of	ADP
easat-5722	168	11	variation	variation	NOUN
easat-5722	168	12	at	at	ADP
easat-5722	168	13	0.236	0.236	NUM
easat-5722	168	14	,	,	PUNCT
easat-5722	168	15	followed	follow	VERB
easat-5722	168	16	by	by	ADP
easat-5722	168	17	pfc1	pfc1	NOUN
easat-5722	168	18	at	at	ADP
easat-5722	168	19	0.225	0.225	NUM
easat-5722	168	20	,	,	PUNCT
easat-5722	168	21	pr4	pr4	PROPN
easat-5722	168	22	at	at	ADP
easat-5722	168	23	0.222	0.222	NUM
easat-5722	168	24	,	,	PUNCT
easat-5722	168	25	pi2	pi2	NOUN
easat-5722	168	26	at	at	ADP
easat-5722	168	27	0.221	0.221	NUM
easat-5722	168	28	,	,	PUNCT
easat-5722	168	29	and	and	CCONJ
easat-5722	168	30	pc2	pc2	NOUN
easat-5722	168	31	at	at	ADP
easat-5722	168	32	0.219	0.219	NUM
easat-5722	168	33	.	.	PUNCT
easat-5722	169	1	these	these	DET
easat-5722	169	2	variables	variable	NOUN
easat-5722	169	3	fall	fall	VERB
easat-5722	169	4	under	under	ADP
easat-5722	169	5	the	the	DET
easat-5722	169	6	perceived	perceive	VERB
easat-5722	169	7	confidence	confidence	NOUN
easat-5722	169	8	,	,	PUNCT
easat-5722	169	9	perceived	perceive	VERB
easat-5722	169	10	financial	financial	ADJ
easat-5722	169	11	cost	cost	NOUN
easat-5722	169	12	,	,	PUNCT
easat-5722	169	13	perceived	perceive	VERB
easat-5722	169	14	risk	risk	NOUN
easat-5722	169	15	,	,	PUNCT
easat-5722	169	16	and	and	CCONJ
easat-5722	169	17	perceived	perceive	VERB
easat-5722	169	18	trust	trust	NOUN
easat-5722	169	19	groups	group	NOUN
easat-5722	169	20	.	.	PUNCT
easat-5722	170	1	the	the	DET
easat-5722	170	2	high	high	ADJ
easat-5722	170	3	coefficient	coefficient	NOUN
easat-5722	170	4	of	of	ADP
easat-5722	170	5	variation	variation	NOUN
easat-5722	170	6	for	for	ADP
easat-5722	170	7	these	these	DET
easat-5722	170	8	variables	variable	NOUN
easat-5722	170	9	suggests	suggest	VERB
easat-5722	170	10	notable	notable	ADJ
easat-5722	170	11	differences	difference	NOUN
easat-5722	170	12	in	in	ADP
easat-5722	170	13	participants	participant	NOUN
easat-5722	170	14	’	'	PUNCT
easat-5722	170	15	perceptions	perception	NOUN
easat-5722	170	16	of	of	ADP
easat-5722	170	17	these	these	DET
easat-5722	170	18	specific	specific	ADJ
easat-5722	170	19	aspects	aspect	NOUN
easat-5722	170	20	.	.	PUNCT
easat-5722	171	1	in	in	ADP
easat-5722	171	2	particular	particular	ADJ
easat-5722	171	3	,	,	PUNCT
easat-5722	171	4	the	the	DET
easat-5722	171	5	high	high	ADJ
easat-5722	171	6	cv	cv	PROPN
easat-5722	171	7	values	value	NOUN
easat-5722	171	8	for	for	ADP
easat-5722	171	9	pc1	pc1	PROPN
easat-5722	171	10	and	and	CCONJ
easat-5722	171	11	pc2	pc2	NOUN
easat-5722	171	12	(	(	PUNCT
easat-5722	171	13	both	both	PRON
easat-5722	171	14	belonging	belong	VERB
easat-5722	171	15	to	to	ADP
easat-5722	171	16	the	the	DET
easat-5722	171	17	perceived	perceive	VERB
easat-5722	171	18	confidence	confidence	NOUN
easat-5722	171	19	group	group	NOUN
easat-5722	171	20	)	)	PUNCT
easat-5722	171	21	indicate	indicate	VERB
easat-5722	171	22	a	a	DET
easat-5722	171	23	lack	lack	NOUN
easat-5722	171	24	of	of	ADP
easat-5722	171	25	consensus	consensus	NOUN
easat-5722	171	26	in	in	ADP
easat-5722	171	27	participants	participant	NOUN
easat-5722	171	28	’	'	PUNCT
easat-5722	171	29	confidence	confidence	NOUN
easat-5722	171	30	in	in	ADP
easat-5722	171	31	the	the	DET
easat-5722	171	32	subject	subject	NOUN
easat-5722	171	33	of	of	ADP
easat-5722	171	34	the	the	DET
easat-5722	171	35	study	study	NOUN
easat-5722	171	36	.	.	PUNCT
easat-5722	172	1	similarly	similarly	ADV
easat-5722	172	2	,	,	PUNCT
easat-5722	172	3	the	the	DET
easat-5722	172	4	high	high	ADJ
easat-5722	172	5	cv	cv	NOUN
easat-5722	172	6	for	for	ADP
easat-5722	172	7	pfc1	pfc1	ADJ
easat-5722	172	8	highlights	highlight	NOUN
easat-5722	172	9	differences	difference	NOUN
easat-5722	172	10	in	in	ADP
easat-5722	172	11	participants	participant	NOUN
easat-5722	172	12	'	'	PART
easat-5722	172	13	assessments	assessment	NOUN
easat-5722	172	14	of	of	ADP
easat-5722	172	15	the	the	DET
easat-5722	172	16	financial	financial	ADJ
easat-5722	172	17	cost	cost	NOUN
easat-5722	172	18	.	.	PUNCT
easat-5722	173	1	on	on	ADP
easat-5722	173	2	the	the	DET
easat-5722	173	3	other	other	ADJ
easat-5722	173	4	hand	hand	NOUN
easat-5722	173	5	,	,	PUNCT
easat-5722	173	6	pr2	pr2	NOUN
easat-5722	173	7	has	have	VERB
easat-5722	173	8	the	the	DET
easat-5722	173	9	lowest	low	ADJ
easat-5722	173	10	coefficient	coefficient	NOUN
easat-5722	173	11	of	of	ADP
easat-5722	173	12	variation	variation	NOUN
easat-5722	173	13	at	at	ADP
easat-5722	173	14	0.132	0.132	NUM
easat-5722	173	15	,	,	PUNCT
easat-5722	173	16	followed	follow	VERB
easat-5722	173	17	by	by	ADP
easat-5722	173	18	pu4	pu4	NOUN
easat-5722	173	19	at	at	ADP
easat-5722	173	20	0.159	0.159	NUM
easat-5722	173	21	,	,	PUNCT
easat-5722	173	22	ebi2	ebi2	PROPN
easat-5722	173	23	at	at	ADP
easat-5722	173	24	0.162	0.162	NUM
easat-5722	173	25	,	,	PUNCT
easat-5722	173	26	pu2	pu2	NOUN
easat-5722	173	27	at	at	ADP
easat-5722	173	28	0.163	0.163	NUM
easat-5722	173	29	,	,	PUNCT
easat-5722	173	30	and	and	CCONJ
easat-5722	173	31	pu5	pu5	VERB
easat-5722	173	32	at	at	ADP
easat-5722	173	33	0.164	0.164	NUM
easat-5722	173	34	.	.	PUNCT
easat-5722	174	1	these	these	DET
easat-5722	174	2	variables	variable	NOUN
easat-5722	174	3	primarily	primarily	ADV
easat-5722	174	4	belong	belong	VERB
easat-5722	174	5	to	to	ADP
easat-5722	174	6	the	the	DET
easat-5722	174	7	perceived	perceive	VERB
easat-5722	174	8	usefulness	usefulness	NOUN
easat-5722	174	9	group	group	NOUN
easat-5722	174	10	,	,	PUNCT
easat-5722	174	11	with	with	ADP
easat-5722	174	12	one	one	NUM
easat-5722	174	13	variable	variable	NOUN
easat-5722	174	14	from	from	ADP
easat-5722	174	15	perceived	perceive	VERB
easat-5722	174	16	risk	risk	NOUN
easat-5722	174	17	and	and	CCONJ
easat-5722	174	18	one	one	NUM
easat-5722	174	19	from	from	ADP
easat-5722	174	20	bank	bank	NOUN
easat-5722	174	21	brand	brand	NOUN
easat-5722	174	22	image	image	NOUN
easat-5722	174	23	.	.	PUNCT
easat-5722	175	1	notably	notably	ADV
easat-5722	175	2	,	,	PUNCT
easat-5722	175	3	three	three	NUM
easat-5722	175	4	of	of	ADP
easat-5722	175	5	the	the	DET
easat-5722	175	6	five	five	NUM
easat-5722	175	7	variables	variable	NOUN
easat-5722	175	8	with	with	ADP
easat-5722	175	9	the	the	DET
easat-5722	175	10	lowest	low	ADJ
easat-5722	175	11	cvs	cvs	NOUN
easat-5722	175	12	are	be	AUX
easat-5722	175	13	part	part	NOUN
easat-5722	175	14	of	of	ADP
easat-5722	175	15	the	the	DET
easat-5722	175	16	perceived	perceive	VERB
easat-5722	175	17	usefulness	usefulness	NOUN
easat-5722	175	18	group	group	NOUN
easat-5722	175	19	,	,	PUNCT
easat-5722	175	20	indicating	indicate	VERB
easat-5722	175	21	a	a	DET
easat-5722	175	22	high	high	ADJ
easat-5722	175	23	level	level	NOUN
easat-5722	175	24	of	of	ADP
easat-5722	175	25	agreement	agreement	NOUN
easat-5722	175	26	among	among	ADP
easat-5722	175	27	participants	participant	NOUN
easat-5722	175	28	regarding	regard	VERB
easat-5722	175	29	the	the	DET
easat-5722	175	30	usefulness	usefulness	NOUN
easat-5722	175	31	of	of	ADP
easat-5722	175	32	the	the	DET
easat-5722	175	33	subject	subject	NOUN
easat-5722	175	34	being	be	AUX
easat-5722	175	35	studied	study	VERB
easat-5722	175	36	.	.	PUNCT
easat-5722	176	1	this	this	PRON
easat-5722	176	2	aligns	align	VERB
easat-5722	176	3	with	with	ADP
easat-5722	176	4	the	the	DET
easat-5722	176	5	earlier	early	ADJ
easat-5722	176	6	observation	observation	NOUN
easat-5722	176	7	that	that	SCONJ
easat-5722	176	8	the	the	DET
easat-5722	176	9	pu	pu	PROPN
easat-5722	176	10	group	group	NOUN
easat-5722	176	11	has	have	AUX
easat-5722	176	12	the	the	DET
easat-5722	176	13	highest	high	ADJ
easat-5722	176	14	mean	mean	ADJ
easat-5722	176	15	score	score	NOUN
easat-5722	176	16	and	and	CCONJ
easat-5722	176	17	relatively	relatively	ADV
easat-5722	176	18	low	low	ADJ
easat-5722	176	19	standard	standard	ADJ
easat-5722	176	20	deviation	deviation	NOUN
easat-5722	176	21	.	.	PUNCT
easat-5722	177	1	when	when	SCONJ
easat-5722	177	2	analyzing	analyze	VERB
easat-5722	177	3	individual	individual	ADJ
easat-5722	177	4	variables	variable	NOUN
easat-5722	177	5	,	,	PUNCT
easat-5722	177	6	certain	certain	ADJ
easat-5722	177	7	ones	one	NOUN
easat-5722	177	8	stand	stand	VERB
easat-5722	177	9	out	out	ADP
easat-5722	177	10	with	with	ADP
easat-5722	177	11	higher	high	ADJ
easat-5722	177	12	scores	score	NOUN
easat-5722	177	13	within	within	ADP
easat-5722	177	14	their	their	PRON
easat-5722	177	15	respective	respective	ADJ
easat-5722	177	16	groups	group	NOUN
easat-5722	177	17	.	.	PUNCT
easat-5722	178	1	pu4	pu4	NOUN
easat-5722	178	2	has	have	VERB
easat-5722	178	3	the	the	DET
easat-5722	178	4	highest	high	ADJ
easat-5722	178	5	mean	mean	ADJ
easat-5722	178	6	value	value	NOUN
easat-5722	178	7	at	at	ADP
easat-5722	178	8	4.53	4.53	NUM
easat-5722	178	9	,	,	PUNCT
easat-5722	178	10	with	with	ADP
easat-5722	178	11	a	a	DET
easat-5722	178	12	standard	standard	ADJ
easat-5722	178	13	deviation	deviation	NOUN
easat-5722	178	14	of	of	ADP
easat-5722	178	15	0.72	0.72	NUM
easat-5722	178	16	,	,	PUNCT
easat-5722	178	17	indicating	indicate	VERB
easat-5722	178	18	that	that	SCONJ
easat-5722	178	19	this	this	DET
easat-5722	178	20	specific	specific	ADJ
easat-5722	178	21	aspect	aspect	NOUN
easat-5722	178	22	of	of	ADP
easat-5722	178	23	usefulness	usefulness	NOUN
easat-5722	178	24	is	be	AUX
easat-5722	178	25	highly	highly	ADV
easat-5722	178	26	rated	rate	VERB
easat-5722	178	27	and	and	CCONJ
easat-5722	178	28	there	there	PRON
easat-5722	178	29	is	be	VERB
easat-5722	178	30	substantial	substantial	ADJ
easat-5722	178	31	consensus	consensus	NOUN
easat-5722	178	32	among	among	ADP
easat-5722	178	33	participants	participant	NOUN
easat-5722	178	34	.	.	PUNCT
easat-5722	179	1	pu5	pu5	VERB
easat-5722	179	2	and	and	CCONJ
easat-5722	179	3	ebi2	ebi2	PROPN
easat-5722	179	4	also	also	ADV
easat-5722	179	5	score	score	VERB
easat-5722	179	6	highly	highly	ADV
easat-5722	179	7	,	,	PUNCT
easat-5722	179	8	with	with	ADP
easat-5722	179	9	mean	mean	ADJ
easat-5722	179	10	values	value	NOUN
easat-5722	179	11	of	of	ADP
easat-5722	179	12	4.51	4.51	NUM
easat-5722	179	13	and	and	CCONJ
easat-5722	179	14	4.45	4.45	NUM
easat-5722	179	15	,	,	PUNCT
easat-5722	179	16	respectively	respectively	ADV
easat-5722	179	17	,	,	PUNCT
easat-5722	179	18	and	and	CCONJ
easat-5722	179	19	relatively	relatively	ADV
easat-5722	179	20	low	low	ADJ
easat-5722	179	21	standard	standard	ADJ
easat-5722	179	22	deviations	deviation	NOUN
easat-5722	179	23	of	of	ADP
easat-5722	179	24	0.74	0.74	NUM
easat-5722	179	25	and	and	CCONJ
easat-5722	179	26	0.72	0.72	NUM
easat-5722	179	27	.	.	PUNCT
easat-5722	180	1	this	this	DET
easat-5722	180	2	further	far	ADV
easat-5722	180	3	reinforces	reinforce	VERB
easat-5722	180	4	the	the	DET
easat-5722	180	5	observation	observation	NOUN
easat-5722	180	6	that	that	SCONJ
easat-5722	180	7	participants	participant	NOUN
easat-5722	180	8	value	value	VERB
easat-5722	180	9	the	the	DET
easat-5722	180	10	perceived	perceive	VERB
easat-5722	180	11	usefulness	usefulness	NOUN
easat-5722	180	12	and	and	CCONJ
easat-5722	180	13	brand	brand	NOUN
easat-5722	180	14	image	image	NOUN
easat-5722	180	15	of	of	ADP
easat-5722	180	16	the	the	DET
easat-5722	180	17	subject	subject	NOUN
easat-5722	180	18	of	of	ADP
easat-5722	180	19	the	the	DET
easat-5722	180	20	study	study	NOUN
easat-5722	180	21	.	.	PUNCT
easat-5722	181	1	in	in	ADP
easat-5722	181	2	contrast	contrast	NOUN
easat-5722	181	3	,	,	PUNCT
easat-5722	181	4	pc1	pc1	PROPN
easat-5722	181	5	has	have	VERB
easat-5722	181	6	the	the	DET
easat-5722	181	7	lowest	low	ADJ
easat-5722	181	8	mean	mean	ADJ
easat-5722	181	9	value	value	NOUN
easat-5722	181	10	at	at	ADP
easat-5722	181	11	3.90	3.90	NUM
easat-5722	181	12	,	,	PUNCT
easat-5722	181	13	with	with	ADP
easat-5722	181	14	a	a	DET
easat-5722	181	15	high	high	ADJ
easat-5722	181	16	standard	standard	ADJ
easat-5722	181	17	deviation	deviation	NOUN
easat-5722	181	18	of	of	ADP
easat-5722	181	19	0.92	0.92	NUM
easat-5722	181	20	,	,	PUNCT
easat-5722	181	21	indicating	indicate	VERB
easat-5722	181	22	that	that	SCONJ
easat-5722	181	23	this	this	DET
easat-5722	181	24	aspect	aspect	NOUN
easat-5722	181	25	of	of	ADP
easat-5722	181	26	confidence	confidence	NOUN
easat-5722	181	27	is	be	AUX
easat-5722	181	28	rated	rate	VERB
easat-5722	181	29	lower	lower	ADV
easat-5722	181	30	and	and	CCONJ
easat-5722	181	31	there	there	PRON
easat-5722	181	32	is	be	VERB
easat-5722	181	33	significant	significant	ADJ
easat-5722	181	34	variation	variation	NOUN
easat-5722	181	35	in	in	ADP
easat-5722	181	36	participant	participant	ADJ
easat-5722	181	37	opinions	opinion	NOUN
easat-5722	181	38	.	.	PUNCT
easat-5722	182	1	pr4	pr4	PROPN
easat-5722	182	2	also	also	ADV
easat-5722	182	3	has	have	VERB
easat-5722	182	4	a	a	DET
easat-5722	182	5	relatively	relatively	ADV
easat-5722	182	6	low	low	ADJ
easat-5722	182	7	mean	mean	NOUN
easat-5722	182	8	value	value	NOUN
easat-5722	182	9	of	of	ADP
easat-5722	182	10	4.06	4.06	NUM
easat-5722	182	11	with	with	ADP
easat-5722	182	12	a	a	DET
easat-5722	182	13	standard	standard	ADJ
easat-5722	182	14	deviation	deviation	NOUN
easat-5722	182	15	of	of	ADP
easat-5722	182	16	0.90	0.90	NUM
easat-5722	182	17	.	.	PUNCT
easat-5722	183	1	1961	1961	NUM
easat-5722	183	2	edelweiss	edelweiss	PROPN
easat-5722	183	3	applied	apply	VERB
easat-5722	183	4	science	science	NOUN
easat-5722	183	5	and	and	CCONJ
easat-5722	183	6	technology	technology	NOUN
easat-5722	183	7	issn	issn	PROPN
easat-5722	183	8	:	:	PUNCT
easat-5722	183	9	2576	2576	NUM
easat-5722	183	10	-	-	SYM
easat-5722	183	11	8484	8484	NUM
easat-5722	183	12	vol	vol	NOUN
easat-5722	183	13	.	.	PROPN
easat-5722	184	1	9	9	NUM
easat-5722	184	2	,	,	PUNCT
easat-5722	184	3	no	no	INTJ
easat-5722	184	4	.	.	NOUN
easat-5722	185	1	3	3	NUM
easat-5722	185	2	:	:	SYM
easat-5722	185	3	1954	1954	NUM
easat-5722	185	4	-	-	SYM
easat-5722	185	5	1971	1971	NUM
easat-5722	185	6	,	,	PUNCT
easat-5722	185	7	2024	2024	NUM
easat-5722	185	8	doi	doi	NOUN
easat-5722	185	9	:	:	PUNCT
easat-5722	185	10	10.55214/25768484.v9i3.5722	10.55214/25768484.v9i3.5722	NUM
easat-5722	185	11	©	©	PROPN
easat-5722	185	12	2025	2025	NUM
easat-5722	185	13	by	by	ADP
easat-5722	185	14	the	the	DET
easat-5722	185	15	authors	author	NOUN
easat-5722	185	16	;	;	PUNCT
easat-5722	185	17	licensee	licensee	PROPN
easat-5722	185	18	learning	learn	VERB
easat-5722	185	19	gate	gate	NOUN
easat-5722	185	20	table	table	NOUN
easat-5722	185	21	1	1	NUM
easat-5722	185	22	.	.	PUNCT
easat-5722	185	23	descriptive	descriptive	ADJ
easat-5722	185	24	statistics	statistic	NOUN
easat-5722	185	25	of	of	ADP
easat-5722	185	26	observed	observed	ADJ
easat-5722	185	27	variables	variable	NOUN
easat-5722	185	28	.	.	PUNCT
easat-5722	186	1	variable	variable	ADJ
easat-5722	186	2	symbol	symbol	NOUN
easat-5722	186	3	mean	mean	NOUN
easat-5722	186	4	value	value	NOUN
easat-5722	186	5	standard	standard	ADJ
easat-5722	186	6	deviation	deviation	NOUN
easat-5722	186	7	perceived	perceive	VERB
easat-5722	186	8	confidence	confidence	NOUN
easat-5722	186	9	4.15	4.15	NUM
easat-5722	186	10	(	(	PUNCT
easat-5722	186	11	pc	pc	NOUN
easat-5722	186	12	)	)	PUNCT
easat-5722	186	13	pc1	pc1	NOUN
easat-5722	186	14	3.96	3.96	NUM
easat-5722	186	15	0.92	0.92	NUM
easat-5722	186	16	pc2	pc2	NOUN
easat-5722	186	17	4.11	4.11	NUM
easat-5722	186	18	0.90	0.90	NUM
easat-5722	186	19	pc3	pc3	PROPN
easat-5722	186	20	4.26	4.26	NUM
easat-5722	186	21	0.78	0.78	NUM
easat-5722	186	22	pc4	pc4	NOUN
easat-5722	186	23	4.27	4.27	NUM
easat-5722	186	24	0.86	0.86	NUM
easat-5722	186	25	pc5	pc5	NOUN
easat-5722	186	26	4.40	4.40	NUM
easat-5722	186	27	0.78	0.78	NUM
easat-5722	186	28	perceived	perceive	VERB
easat-5722	186	29	usefulness	usefulness	NOUN
easat-5722	186	30	4.46	4.46	NUM
easat-5722	186	31	(	(	PUNCT
easat-5722	186	32	pu	pu	PROPN
easat-5722	186	33	)	)	PUNCT
easat-5722	186	34	pu1	pu1	NOUN
easat-5722	186	35	4.46	4.46	NUM
easat-5722	186	36	0.75	0.75	NUM
easat-5722	186	37	pu2	pu2	PROPN
easat-5722	186	38	4.44	4.44	NUM
easat-5722	186	39	0.73	0.73	NUM
easat-5722	186	40	pu3	pu3	PROPN
easat-5722	186	41	4.42	4.42	NUM
easat-5722	186	42	0.84	0.84	NUM
easat-5722	186	43	pu4	pu4	X
easat-5722	186	44	4.55	4.55	NUM
easat-5722	186	45	0.72	0.72	NUM
easat-5722	186	46	pu5	pu5	NOUN
easat-5722	186	47	4.51	4.51	NUM
easat-5722	186	48	0.74	0.74	NUM
easat-5722	186	49	perceived	perceive	VERB
easat-5722	186	50	risk	risk	NOUN
easat-5722	186	51	4.25	4.25	NUM
easat-5722	186	52	(	(	PUNCT
easat-5722	186	53	pr	pr	NOUN
easat-5722	186	54	)	)	PUNCT
easat-5722	186	55	pr1	pr1	NOUN
easat-5722	186	56	4.30	4.30	NUM
easat-5722	186	57	0.84	0.84	NUM
easat-5722	186	58	pr2	pr2	NOUN
easat-5722	186	59	4.25	4.25	NUM
easat-5722	186	60	0.86	0.86	NUM
easat-5722	186	61	pr3	pr3	NOUN
easat-5722	186	62	4.45	4.45	NUM
easat-5722	186	63	0.75	0.75	NUM
easat-5722	186	64	pr4	pr4	PROPN
easat-5722	186	65	4.04	4.04	NUM
easat-5722	186	66	0.80	0.80	NUM
easat-5722	186	67	pr5	pr5	NOUN
easat-5722	186	68	4.18	4.18	NUM
easat-5722	186	69	0.90	0.90	NUM
easat-5722	186	70	perceived	perceive	VERB
easat-5722	186	71	financial	financial	ADJ
easat-5722	186	72	cost	cost	NOUN
easat-5722	186	73	4.16	4.16	NUM
easat-5722	186	74	(	(	PUNCT
easat-5722	186	75	pfc	pfc	NOUN
easat-5722	186	76	)	)	PUNCT
easat-5722	186	77	pfc1	pfc1	NOUN
easat-5722	186	78	4.25	4.25	NUM
easat-5722	186	79	0.86	0.86	NUM
easat-5722	186	80	pfc2	pfc2	ADJ
easat-5722	186	81	4.23	4.23	NUM
easat-5722	186	82	0.83	0.83	NUM
easat-5722	186	83	pfc3	pfc3	NOUN
easat-5722	186	84	4.08	4.08	NUM
easat-5722	186	85	0.81	0.81	NUM
easat-5722	186	86	pfc4	pfc4	NOUN
easat-5722	186	87	4.16	4.16	NUM
easat-5722	186	88	0.84	0.84	NUM
easat-5722	186	89	pfc5	pfc5	ADJ
easat-5722	186	90	4.12	4.12	NUM
easat-5722	186	91	0.87	0.87	NUM
easat-5722	186	92	bank	bank	NOUN
easat-5722	186	93	brand	brand	NOUN
easat-5722	186	94	image	image	NOUN
easat-5722	186	95	4.40	4.40	NUM
easat-5722	186	96	(	(	PUNCT
easat-5722	186	97	bbi	bbi	PROPN
easat-5722	186	98	)	)	PUNCT
easat-5722	186	99	bbi1	bbi1	PROPN
easat-5722	186	100	4.32	4.32	NUM
easat-5722	186	101	0.77	0.77	NUM
easat-5722	186	102	bbi2	bbi2	NOUN
easat-5722	186	103	4.39	4.39	NUM
easat-5722	186	104	0.79	0.79	NUM
easat-5722	186	105	bbi3	bbi3	NOUN
easat-5722	186	106	4.45	4.45	NUM
easat-5722	186	107	0.72	0.72	NUM
easat-5722	186	108	bbi4	bbi4	NOUN
easat-5722	186	109	4.41	4.41	NUM
easat-5722	186	110	0.73	0.73	NUM
easat-5722	186	111	perceived	perceive	VERB
easat-5722	186	112	trust	trust	NOUN
easat-5722	186	113	4.29	4.29	NUM
easat-5722	186	114	(	(	PUNCT
easat-5722	186	115	pt	pt	PROPN
easat-5722	186	116	)	)	PUNCT
easat-5722	186	117	pt1	pt1	NOUN
easat-5722	186	118	4.33	4.33	NUM
easat-5722	186	119	0.82	0.82	NUM
easat-5722	186	120	pt2	pt2	NOUN
easat-5722	186	121	4.11	4.11	NUM
easat-5722	186	122	0.91	0.91	NUM
easat-5722	186	123	pt3	pt3	NOUN
easat-5722	186	124	4.26	4.26	NUM
easat-5722	186	125	0.72	0.72	NUM
easat-5722	186	126	pt4	pt4	NOUN
easat-5722	186	127	4.29	4.29	NUM
easat-5722	186	128	0.75	0.75	NUM
easat-5722	186	129	pt5	pt5	PROPN
easat-5722	186	130	4.32	4.32	NUM
easat-5722	186	131	0.76	0.76	NUM
easat-5722	186	132	intention	intention	NOUN
easat-5722	186	133	to	to	PART
easat-5722	186	134	use	use	VERB
easat-5722	186	135	4.43	4.43	NUM
easat-5722	186	136	(	(	PUNCT
easat-5722	186	137	yd	yd	NOUN
easat-5722	186	138	)	)	PUNCT
easat-5722	186	139	yd1	yd1	NOUN
easat-5722	186	140	4.44	4.44	NUM
easat-5722	186	141	0.73	0.73	NUM
easat-5722	186	142	yd2	yd2	NOUN
easat-5722	186	143	4.35	4.35	NUM
easat-5722	186	144	0.74	0.74	NUM
easat-5722	186	145	yd3	yd3	NOUN
easat-5722	186	146	4.5	4.5	NUM
easat-5722	186	147	0.71	0.71	NUM
easat-5722	186	148	yd4	yd4	NOUN
easat-5722	186	149	4.42	4.42	NUM
easat-5722	186	150	0.75	0.75	NUM
easat-5722	186	151	the	the	DET
easat-5722	186	152	data	datum	NOUN
easat-5722	186	153	presented	present	VERB
easat-5722	186	154	in	in	ADP
easat-5722	186	155	table	table	NOUN
easat-5722	186	156	2	2	NUM
easat-5722	186	157	highlights	highlight	NOUN
easat-5722	186	158	the	the	DET
easat-5722	186	159	internal	internal	ADJ
easat-5722	186	160	consistency	consistency	NOUN
easat-5722	186	161	of	of	ADP
easat-5722	186	162	various	various	ADJ
easat-5722	186	163	scales	scale	NOUN
easat-5722	186	164	,	,	PUNCT
easat-5722	186	165	with	with	ADP
easat-5722	186	166	most	most	ADJ
easat-5722	186	167	achieving	achieving	ADJ
easat-5722	186	168	reliability	reliability	NOUN
easat-5722	186	169	scores	score	NOUN
easat-5722	186	170	ranging	range	VERB
easat-5722	186	171	from	from	ADP
easat-5722	186	172	fair	fair	ADJ
easat-5722	186	173	to	to	ADP
easat-5722	186	174	good	good	ADJ
easat-5722	186	175	(	(	PUNCT
easat-5722	186	176	alpha	alpha	NOUN
easat-5722	186	177	>	>	X
easat-5722	186	178	0.7	0.7	NUM
easat-5722	186	179	)	)	PUNCT
easat-5722	186	180	.	.	PUNCT
easat-5722	187	1	however	however	ADV
easat-5722	187	2	,	,	PUNCT
easat-5722	187	3	the	the	DET
easat-5722	187	4	"	"	PUNCT
easat-5722	187	5	perceived	perceive	VERB
easat-5722	187	6	financial	financial	ADJ
easat-5722	187	7	1962	1962	NUM
easat-5722	187	8	edelweiss	edelweiss	PROPN
easat-5722	187	9	applied	apply	VERB
easat-5722	187	10	science	science	NOUN
easat-5722	187	11	and	and	CCONJ
easat-5722	187	12	technology	technology	NOUN
easat-5722	187	13	issn	issn	PROPN
easat-5722	187	14	:	:	PUNCT
easat-5722	187	15	2576	2576	NUM
easat-5722	187	16	-	-	SYM
easat-5722	187	17	8484	8484	NUM
easat-5722	187	18	vol	vol	NOUN
easat-5722	187	19	.	.	PROPN
easat-5722	188	1	9	9	NUM
easat-5722	188	2	,	,	PUNCT
easat-5722	188	3	no	no	INTJ
easat-5722	188	4	.	.	NOUN
easat-5722	189	1	3	3	NUM
easat-5722	189	2	:	:	SYM
easat-5722	189	3	1954	1954	NUM
easat-5722	189	4	-	-	SYM
easat-5722	189	5	1971	1971	NUM
easat-5722	189	6	,	,	PUNCT
easat-5722	189	7	2024	2024	NUM
easat-5722	189	8	doi	doi	NOUN
easat-5722	189	9	:	:	PUNCT
easat-5722	189	10	10.55214/25768484.v9i3.5722	10.55214/25768484.v9i3.5722	NUM
easat-5722	189	11	©	©	PROPN
easat-5722	189	12	2025	2025	NUM
easat-5722	189	13	by	by	ADP
easat-5722	189	14	the	the	DET
easat-5722	189	15	authors	author	NOUN
easat-5722	189	16	;	;	PUNCT
easat-5722	189	17	licensee	licensee	PROPN
easat-5722	189	18	learning	learn	VERB
easat-5722	189	19	gate	gate	PROPN
easat-5722	189	20	cost	cost	NOUN
easat-5722	189	21	"	"	PUNCT
easat-5722	189	22	(	(	PUNCT
easat-5722	189	23	pfc	pfc	NOUN
easat-5722	189	24	)	)	PUNCT
easat-5722	189	25	scale	scale	NOUN
easat-5722	189	26	displayed	display	VERB
easat-5722	189	27	relatively	relatively	ADV
easat-5722	189	28	low	low	ADJ
easat-5722	189	29	reliability	reliability	NOUN
easat-5722	189	30	(	(	PUNCT
easat-5722	189	31	alpha	alpha	NOUN
easat-5722	189	32	=	=	NOUN
easat-5722	189	33	0.631	0.631	NUM
easat-5722	189	34	)	)	PUNCT
easat-5722	189	35	,	,	PUNCT
easat-5722	189	36	prompting	prompt	VERB
easat-5722	189	37	a	a	DET
easat-5722	189	38	suggestion	suggestion	NOUN
easat-5722	189	39	to	to	PART
easat-5722	189	40	remove	remove	VERB
easat-5722	189	41	the	the	DET
easat-5722	189	42	pfc2	pfc2	ADJ
easat-5722	189	43	item	item	NOUN
easat-5722	189	44	to	to	PART
easat-5722	189	45	enhance	enhance	VERB
easat-5722	189	46	the	the	DET
easat-5722	189	47	scale	scale	NOUN
easat-5722	189	48	's	's	PART
easat-5722	189	49	overall	overall	ADJ
easat-5722	189	50	consistency	consistency	NOUN
easat-5722	189	51	.	.	PUNCT
easat-5722	190	1	the	the	DET
easat-5722	190	2	results	result	NOUN
easat-5722	190	3	indicate	indicate	VERB
easat-5722	190	4	that	that	SCONJ
easat-5722	190	5	most	most	ADJ
easat-5722	190	6	scales	scale	NOUN
easat-5722	190	7	demonstrated	demonstrate	VERB
easat-5722	190	8	good	good	ADJ
easat-5722	190	9	reliability	reliability	NOUN
easat-5722	190	10	.	.	PUNCT
easat-5722	191	1	the	the	DET
easat-5722	191	2	perceived	perceive	VERB
easat-5722	191	3	confidence	confidence	NOUN
easat-5722	191	4	(	(	PUNCT
easat-5722	191	5	pc	pc	NOUN
easat-5722	191	6	)	)	PUNCT
easat-5722	191	7	scale	scale	NOUN
easat-5722	191	8	had	have	VERB
easat-5722	191	9	the	the	DET
easat-5722	191	10	highest	high	ADJ
easat-5722	191	11	cronbach	cronbach	NOUN
easat-5722	191	12	's	's	PART
easat-5722	191	13	alpha	alpha	NOUN
easat-5722	191	14	at	at	ADP
easat-5722	191	15	0.883	0.883	NUM
easat-5722	191	16	,	,	PUNCT
easat-5722	191	17	followed	follow	VERB
easat-5722	191	18	by	by	ADP
easat-5722	191	19	perceived	perceive	VERB
easat-5722	191	20	usefulness	usefulness	NOUN
easat-5722	191	21	(	(	PUNCT
easat-5722	191	22	pu	pu	PROPN
easat-5722	191	23	)	)	PUNCT
easat-5722	191	24	at	at	ADP
easat-5722	191	25	0.855	0.855	NUM
easat-5722	191	26	,	,	PUNCT
easat-5722	191	27	perceived	perceive	VERB
easat-5722	191	28	trust	trust	NOUN
easat-5722	191	29	(	(	PUNCT
easat-5722	191	30	pt	pt	NOUN
easat-5722	191	31	)	)	PUNCT
easat-5722	191	32	at	at	ADP
easat-5722	191	33	0.851	0.851	NUM
easat-5722	191	34	,	,	PUNCT
easat-5722	191	35	bank	bank	NOUN
easat-5722	191	36	brand	brand	NOUN
easat-5722	191	37	and	and	CCONJ
easat-5722	191	38	image	image	NOUN
easat-5722	191	39	(	(	PUNCT
easat-5722	191	40	bbi	bbi	PROPN
easat-5722	191	41	)	)	PUNCT
easat-5722	191	42	at	at	ADP
easat-5722	191	43	0.84	0.84	NUM
easat-5722	191	44	,	,	PUNCT
easat-5722	191	45	and	and	CCONJ
easat-5722	191	46	perceived	perceive	VERB
easat-5722	191	47	risk	risk	NOUN
easat-5722	191	48	(	(	PUNCT
easat-5722	191	49	pr	pr	NOUN
easat-5722	191	50	)	)	PUNCT
easat-5722	191	51	at	at	ADP
easat-5722	191	52	0.766	0.766	NUM
easat-5722	191	53	.	.	PUNCT
easat-5722	192	1	in	in	ADP
easat-5722	192	2	contrast	contrast	NOUN
easat-5722	192	3	,	,	PUNCT
easat-5722	192	4	the	the	DET
easat-5722	192	5	perceived	perceive	VERB
easat-5722	192	6	financial	financial	ADJ
easat-5722	192	7	cost	cost	NOUN
easat-5722	192	8	(	(	PUNCT
easat-5722	192	9	pfc	pfc	NOUN
easat-5722	192	10	)	)	PUNCT
easat-5722	192	11	scale	scale	NOUN
easat-5722	192	12	had	have	VERB
easat-5722	192	13	the	the	DET
easat-5722	192	14	lowest	low	ADJ
easat-5722	192	15	reliability	reliability	NOUN
easat-5722	192	16	,	,	PUNCT
easat-5722	192	17	with	with	ADP
easat-5722	192	18	an	an	DET
easat-5722	192	19	alpha	alpha	NOUN
easat-5722	192	20	of	of	ADP
easat-5722	192	21	only	only	ADV
easat-5722	192	22	0.631	0.631	NUM
easat-5722	192	23	.	.	PUNCT
easat-5722	193	1	typically	typically	ADV
easat-5722	193	2	,	,	PUNCT
easat-5722	193	3	a	a	DET
easat-5722	193	4	cronbach	cronbach	NOUN
easat-5722	193	5	's	's	PART
easat-5722	193	6	alpha	alpha	NOUN
easat-5722	193	7	of	of	ADP
easat-5722	193	8	0.7	0.7	NUM
easat-5722	193	9	or	or	CCONJ
easat-5722	193	10	higher	high	ADJ
easat-5722	193	11	is	be	AUX
easat-5722	193	12	considered	consider	VERB
easat-5722	193	13	acceptable	acceptable	ADJ
easat-5722	193	14	,	,	PUNCT
easat-5722	193	15	meaning	mean	VERB
easat-5722	193	16	that	that	SCONJ
easat-5722	193	17	most	most	ADJ
easat-5722	193	18	scales	scale	NOUN
easat-5722	193	19	meet	meet	VERB
easat-5722	193	20	the	the	DET
easat-5722	193	21	required	require	VERB
easat-5722	193	22	reliability	reliability	NOUN
easat-5722	193	23	standard	standard	NOUN
easat-5722	193	24	,	,	PUNCT
easat-5722	193	25	except	except	SCONJ
easat-5722	193	26	for	for	ADP
easat-5722	193	27	pfc	pfc	NOUN
easat-5722	193	28	.	.	PUNCT
easat-5722	194	1	the	the	DET
easat-5722	194	2	first	first	ADJ
easat-5722	194	3	table	table	NOUN
easat-5722	194	4	reveals	reveal	VERB
easat-5722	194	5	that	that	SCONJ
easat-5722	194	6	all	all	DET
easat-5722	194	7	observed	observe	VERB
easat-5722	194	8	variables	variable	NOUN
easat-5722	194	9	in	in	ADP
easat-5722	194	10	the	the	DET
easat-5722	194	11	perceived	perceive	VERB
easat-5722	194	12	trust	trust	NOUN
easat-5722	194	13	(	(	PUNCT
easat-5722	194	14	pt	pt	NOUN
easat-5722	194	15	)	)	PUNCT
easat-5722	194	16	scale	scale	NOUN
easat-5722	194	17	(	(	PUNCT
easat-5722	194	18	ranging	range	VERB
easat-5722	194	19	from	from	ADP
easat-5722	194	20	pt1	pt1	PROPN
easat-5722	194	21	to	to	ADP
easat-5722	194	22	pt5	pt5	NOUN
easat-5722	194	23	)	)	PUNCT
easat-5722	194	24	were	be	AUX
easat-5722	194	25	accepted	accept	VERB
easat-5722	194	26	,	,	PUNCT
easat-5722	194	27	with	with	ADP
easat-5722	194	28	mean	mean	ADJ
easat-5722	194	29	values	value	NOUN
easat-5722	194	30	between	between	ADP
easat-5722	194	31	16.913	16.913	NUM
easat-5722	194	32	and	and	CCONJ
easat-5722	194	33	17.126	17.126	NUM
easat-5722	194	34	.	.	PUNCT
easat-5722	195	1	similarly	similarly	ADV
easat-5722	195	2	,	,	PUNCT
easat-5722	195	3	the	the	DET
easat-5722	195	4	observed	observed	ADJ
easat-5722	195	5	variables	variable	NOUN
easat-5722	195	6	of	of	ADP
easat-5722	195	7	the	the	DET
easat-5722	195	8	bank	bank	NOUN
easat-5722	195	9	brand	brand	NOUN
easat-5722	195	10	and	and	CCONJ
easat-5722	195	11	image	image	NOUN
easat-5722	195	12	(	(	PUNCT
easat-5722	195	13	bbi	bbi	ADJ
easat-5722	195	14	)	)	PUNCT
easat-5722	195	15	scale	scale	NOUN
easat-5722	195	16	(	(	PUNCT
easat-5722	195	17	from	from	ADP
easat-5722	195	18	bbi1	bbi1	PROPN
easat-5722	195	19	to	to	PART
easat-5722	195	20	bbi4	bbi4	VERB
easat-5722	195	21	)	)	PUNCT
easat-5722	195	22	were	be	AUX
easat-5722	195	23	also	also	ADV
easat-5722	195	24	accepted	accept	VERB
easat-5722	195	25	,	,	PUNCT
easat-5722	195	26	showing	show	VERB
easat-5722	195	27	mean	mean	ADJ
easat-5722	195	28	values	value	NOUN
easat-5722	195	29	from	from	ADP
easat-5722	195	30	13.076	13.076	NUM
easat-5722	195	31	to	to	ADP
easat-5722	195	32	13.207	13.207	NUM
easat-5722	195	33	.	.	PUNCT
easat-5722	196	1	this	this	PRON
easat-5722	196	2	is	be	AUX
easat-5722	196	3	a	a	DET
easat-5722	196	4	positive	positive	ADJ
easat-5722	196	5	indication	indication	NOUN
easat-5722	196	6	that	that	SCONJ
easat-5722	196	7	the	the	DET
easat-5722	196	8	observed	observed	ADJ
easat-5722	196	9	variables	variable	NOUN
easat-5722	196	10	in	in	ADP
easat-5722	196	11	these	these	DET
easat-5722	196	12	two	two	NUM
easat-5722	196	13	scales	scale	NOUN
easat-5722	196	14	have	have	AUX
easat-5722	196	15	good	good	ADJ
easat-5722	196	16	internal	internal	ADJ
easat-5722	196	17	consistency	consistency	NOUN
easat-5722	196	18	.	.	PUNCT
easat-5722	197	1	the	the	DET
easat-5722	197	2	perceived	perceive	VERB
easat-5722	197	3	confidence	confidence	NOUN
easat-5722	197	4	(	(	PUNCT
easat-5722	197	5	pc	pc	NOUN
easat-5722	197	6	)	)	PUNCT
easat-5722	197	7	scale	scale	NOUN
easat-5722	197	8	includes	include	VERB
easat-5722	197	9	five	five	NUM
easat-5722	197	10	observed	observed	ADJ
easat-5722	197	11	variables	variable	NOUN
easat-5722	197	12	(	(	PUNCT
easat-5722	197	13	pc1	pc1	PROPN
easat-5722	197	14	to	to	PART
easat-5722	197	15	pc5	pc5	PROPN
easat-5722	197	16	)	)	PUNCT
easat-5722	197	17	with	with	ADP
easat-5722	197	18	an	an	DET
easat-5722	197	19	overall	overall	ADJ
easat-5722	197	20	alpha	alpha	NOUN
easat-5722	197	21	of	of	ADP
easat-5722	197	22	0.883	0.883	NUM
easat-5722	197	23	,	,	PUNCT
easat-5722	197	24	reflecting	reflect	VERB
easat-5722	197	25	excellent	excellent	ADJ
easat-5722	197	26	reliability	reliability	NOUN
easat-5722	197	27	.	.	PUNCT
easat-5722	198	1	all	all	DET
easat-5722	198	2	observed	observed	ADJ
easat-5722	198	3	variables	variable	NOUN
easat-5722	198	4	had	have	VERB
easat-5722	198	5	item	item	NOUN
easat-5722	198	6	-	-	PUNCT
easat-5722	198	7	total	total	NOUN
easat-5722	198	8	correlations	correlation	NOUN
easat-5722	198	9	exceeding	exceed	VERB
easat-5722	198	10	0.6	0.6	NUM
easat-5722	198	11	,	,	PUNCT
easat-5722	198	12	ranging	range	VERB
easat-5722	198	13	from	from	ADP
easat-5722	198	14	0.653	0.653	NUM
easat-5722	198	15	to	to	ADP
easat-5722	198	16	0.851	0.851	NUM
easat-5722	198	17	.	.	PUNCT
easat-5722	199	1	this	this	PRON
easat-5722	199	2	demonstrates	demonstrate	VERB
easat-5722	199	3	a	a	DET
easat-5722	199	4	strong	strong	ADJ
easat-5722	199	5	connection	connection	NOUN
easat-5722	199	6	between	between	ADP
easat-5722	199	7	the	the	DET
easat-5722	199	8	observed	observed	ADJ
easat-5722	199	9	variables	variable	NOUN
easat-5722	199	10	and	and	CCONJ
easat-5722	199	11	the	the	DET
easat-5722	199	12	overall	overall	ADJ
easat-5722	199	13	scale	scale	NOUN
easat-5722	199	14	.	.	PUNCT
easat-5722	200	1	notably	notably	ADV
easat-5722	200	2	,	,	PUNCT
easat-5722	200	3	pc2	pc2	PROPN
easat-5722	200	4	had	have	VERB
easat-5722	200	5	the	the	DET
easat-5722	200	6	highest	high	ADJ
easat-5722	200	7	item	item	NOUN
easat-5722	200	8	-	-	PUNCT
easat-5722	200	9	total	total	NOUN
easat-5722	200	10	correlation	correlation	NOUN
easat-5722	200	11	at	at	ADP
easat-5722	200	12	0.851	0.851	NUM
easat-5722	200	13	,	,	PUNCT
easat-5722	200	14	indicating	indicate	VERB
easat-5722	200	15	its	its	PRON
easat-5722	200	16	significant	significant	ADJ
easat-5722	200	17	contribution	contribution	NOUN
easat-5722	200	18	to	to	ADP
easat-5722	200	19	the	the	DET
easat-5722	200	20	pc	pc	NOUN
easat-5722	200	21	scale	scale	NOUN
easat-5722	200	22	.	.	PUNCT
easat-5722	201	1	removing	remove	VERB
easat-5722	201	2	any	any	DET
easat-5722	201	3	variable	variable	NOUN
easat-5722	201	4	from	from	ADP
easat-5722	201	5	this	this	DET
easat-5722	201	6	scale	scale	NOUN
easat-5722	201	7	would	would	AUX
easat-5722	201	8	result	result	VERB
easat-5722	201	9	in	in	ADP
easat-5722	201	10	a	a	DET
easat-5722	201	11	decrease	decrease	NOUN
easat-5722	201	12	in	in	ADP
easat-5722	201	13	cronbach	cronbach	NOUN
easat-5722	201	14	's	's	PART
easat-5722	201	15	alpha	alpha	NOUN
easat-5722	201	16	(	(	PUNCT
easat-5722	201	17	ranging	range	VERB
easat-5722	201	18	from	from	ADP
easat-5722	201	19	0.877	0.877	NUM
easat-5722	201	20	to	to	ADP
easat-5722	201	21	0.925	0.925	NUM
easat-5722	201	22	)	)	PUNCT
easat-5722	201	23	,	,	PUNCT
easat-5722	201	24	confirming	confirm	VERB
easat-5722	201	25	that	that	SCONJ
easat-5722	201	26	all	all	DET
easat-5722	201	27	observed	observed	ADJ
easat-5722	201	28	variables	variable	NOUN
easat-5722	201	29	positively	positively	ADV
easat-5722	201	30	contribute	contribute	VERB
easat-5722	201	31	to	to	ADP
easat-5722	201	32	the	the	DET
easat-5722	201	33	scale	scale	NOUN
easat-5722	201	34	's	's	PART
easat-5722	201	35	reliability	reliability	NOUN
easat-5722	201	36	.	.	PUNCT
easat-5722	202	1	therefore	therefore	ADV
easat-5722	202	2	,	,	PUNCT
easat-5722	202	3	the	the	DET
easat-5722	202	4	conclusion	conclusion	NOUN
easat-5722	202	5	is	be	AUX
easat-5722	202	6	to	to	PART
easat-5722	202	7	retain	retain	VERB
easat-5722	202	8	all	all	DET
easat-5722	202	9	variables	variable	NOUN
easat-5722	202	10	in	in	ADP
easat-5722	202	11	the	the	DET
easat-5722	202	12	pc	pc	NOUN
easat-5722	202	13	scale	scale	NOUN
easat-5722	202	14	without	without	ADP
easat-5722	202	15	removing	remove	VERB
easat-5722	202	16	any	any	DET
easat-5722	202	17	items	item	NOUN
easat-5722	202	18	.	.	PUNCT
easat-5722	203	1	the	the	DET
easat-5722	203	2	perceived	perceive	VERB
easat-5722	203	3	usefulness	usefulness	NOUN
easat-5722	203	4	(	(	PUNCT
easat-5722	203	5	pu	pu	NOUN
easat-5722	203	6	)	)	PUNCT
easat-5722	203	7	scale	scale	NOUN
easat-5722	203	8	achieved	achieve	VERB
easat-5722	203	9	an	an	DET
easat-5722	203	10	alpha	alpha	NOUN
easat-5722	203	11	of	of	ADP
easat-5722	203	12	0.855	0.855	NUM
easat-5722	203	13	,	,	PUNCT
easat-5722	203	14	surpassing	surpass	VERB
easat-5722	203	15	the	the	DET
easat-5722	203	16	acceptable	acceptable	ADJ
easat-5722	203	17	threshold	threshold	NOUN
easat-5722	203	18	of	of	ADP
easat-5722	203	19	0.7	0.7	NUM
easat-5722	203	20	.	.	PUNCT
easat-5722	204	1	the	the	DET
easat-5722	204	2	observed	observed	ADJ
easat-5722	204	3	variables	variable	NOUN
easat-5722	204	4	(	(	PUNCT
easat-5722	204	5	pu1	pu1	NOUN
easat-5722	204	6	to	to	PART
easat-5722	204	7	pu5	pu5	VERB
easat-5722	204	8	)	)	PUNCT
easat-5722	204	9	had	have	VERB
easat-5722	204	10	item	item	NOUN
easat-5722	204	11	-	-	PUNCT
easat-5722	204	12	total	total	NOUN
easat-5722	204	13	correlations	correlation	NOUN
easat-5722	204	14	ranging	range	VERB
easat-5722	204	15	from	from	ADP
easat-5722	204	16	0.650	0.650	NUM
easat-5722	204	17	to	to	ADP
easat-5722	204	18	0.792	0.792	NUM
easat-5722	204	19	,	,	PUNCT
easat-5722	204	20	with	with	ADP
easat-5722	204	21	pu2	pu2	NOUN
easat-5722	204	22	and	and	CCONJ
easat-5722	204	23	pu3	pu3	PROPN
easat-5722	204	24	having	have	VERB
easat-5722	204	25	the	the	DET
easat-5722	204	26	highest	high	ADJ
easat-5722	204	27	correlations	correlation	NOUN
easat-5722	204	28	(	(	PUNCT
easat-5722	204	29	above	above	ADP
easat-5722	204	30	0.79	0.79	NUM
easat-5722	204	31	)	)	PUNCT
easat-5722	204	32	.	.	PUNCT
easat-5722	205	1	this	this	PRON
easat-5722	205	2	demonstrates	demonstrate	VERB
easat-5722	205	3	that	that	SCONJ
easat-5722	205	4	the	the	DET
easat-5722	205	5	observed	observed	ADJ
easat-5722	205	6	variables	variable	NOUN
easat-5722	205	7	effectively	effectively	ADV
easat-5722	205	8	measure	measure	VERB
easat-5722	205	9	the	the	DET
easat-5722	205	10	concept	concept	NOUN
easat-5722	205	11	of	of	ADP
easat-5722	205	12	perceived	perceive	VERB
easat-5722	205	13	usefulness	usefulness	NOUN
easat-5722	205	14	.	.	PUNCT
easat-5722	206	1	the	the	DET
easat-5722	206	2	alpha	alpha	ADJ
easat-5722	206	3	values	value	NOUN
easat-5722	206	4	,	,	PUNCT
easat-5722	206	5	if	if	SCONJ
easat-5722	206	6	any	any	DET
easat-5722	206	7	variable	variable	NOUN
easat-5722	206	8	were	be	AUX
easat-5722	206	9	removed	remove	VERB
easat-5722	206	10	,	,	PUNCT
easat-5722	206	11	ranged	range	VERB
easat-5722	206	12	from	from	ADP
easat-5722	206	13	0.802	0.802	NUM
easat-5722	206	14	to	to	ADP
easat-5722	206	15	0.900	0.900	NUM
easat-5722	206	16	.	.	PUNCT
easat-5722	207	1	none	none	NOUN
easat-5722	207	2	of	of	ADP
easat-5722	207	3	the	the	DET
easat-5722	207	4	observed	observed	ADJ
easat-5722	207	5	variables	variable	NOUN
easat-5722	207	6	had	have	VERB
easat-5722	207	7	a	a	DET
easat-5722	207	8	significant	significant	ADJ
easat-5722	207	9	impact	impact	NOUN
easat-5722	207	10	on	on	ADP
easat-5722	207	11	improving	improve	VERB
easat-5722	207	12	the	the	DET
easat-5722	207	13	overall	overall	ADJ
easat-5722	207	14	alpha	alpha	NOUN
easat-5722	207	15	,	,	PUNCT
easat-5722	207	16	indicating	indicate	VERB
easat-5722	207	17	that	that	SCONJ
easat-5722	207	18	all	all	DET
easat-5722	207	19	variables	variable	NOUN
easat-5722	207	20	in	in	ADP
easat-5722	207	21	the	the	DET
easat-5722	207	22	pu	pu	PROPN
easat-5722	207	23	scale	scale	NOUN
easat-5722	207	24	should	should	AUX
easat-5722	207	25	be	be	AUX
easat-5722	207	26	retained	retain	VERB
easat-5722	207	27	.	.	PUNCT
easat-5722	208	1	the	the	DET
easat-5722	208	2	perceived	perceive	VERB
easat-5722	208	3	financial	financial	ADJ
easat-5722	208	4	cost	cost	NOUN
easat-5722	208	5	(	(	PUNCT
easat-5722	208	6	pfc	pfc	NOUN
easat-5722	208	7	)	)	PUNCT
easat-5722	208	8	scale	scale	NOUN
easat-5722	208	9	had	have	VERB
easat-5722	208	10	the	the	DET
easat-5722	208	11	lowest	low	ADJ
easat-5722	208	12	alpha	alpha	NOUN
easat-5722	208	13	of	of	ADP
easat-5722	208	14	all	all	DET
easat-5722	208	15	the	the	DET
easat-5722	208	16	scales	scale	NOUN
easat-5722	208	17	,	,	PUNCT
easat-5722	208	18	at	at	ADP
easat-5722	208	19	0.631	0.631	NUM
easat-5722	208	20	,	,	PUNCT
easat-5722	208	21	which	which	PRON
easat-5722	208	22	falls	fall	VERB
easat-5722	208	23	below	below	ADP
easat-5722	208	24	the	the	DET
easat-5722	208	25	commonly	commonly	ADV
easat-5722	208	26	accepted	accept	VERB
easat-5722	208	27	threshold	threshold	NOUN
easat-5722	208	28	of	of	ADP
easat-5722	208	29	0.7	0.7	NUM
easat-5722	208	30	.	.	PUNCT
easat-5722	209	1	a	a	DET
easat-5722	209	2	closer	close	ADJ
easat-5722	209	3	examination	examination	NOUN
easat-5722	209	4	of	of	ADP
easat-5722	209	5	the	the	DET
easat-5722	209	6	observed	observed	ADJ
easat-5722	209	7	variables	variable	NOUN
easat-5722	209	8	revealed	reveal	VERB
easat-5722	209	9	that	that	SCONJ
easat-5722	209	10	pfc2	pfc2	PROPN
easat-5722	209	11	had	have	VERB
easat-5722	209	12	a	a	DET
easat-5722	209	13	very	very	ADV
easat-5722	209	14	low	low	ADJ
easat-5722	209	15	item	item	NOUN
easat-5722	209	16	-	-	PUNCT
easat-5722	209	17	total	total	NOUN
easat-5722	209	18	correlation	correlation	NOUN
easat-5722	209	19	of	of	ADP
easat-5722	209	20	only	only	ADV
easat-5722	209	21	0.168	0.168	NUM
easat-5722	209	22	,	,	PUNCT
easat-5722	209	23	significantly	significantly	ADV
easat-5722	209	24	lower	low	ADJ
easat-5722	209	25	than	than	ADP
easat-5722	209	26	the	the	DET
easat-5722	209	27	other	other	ADJ
easat-5722	209	28	variables	variable	NOUN
easat-5722	209	29	in	in	ADP
easat-5722	209	30	the	the	DET
easat-5722	209	31	same	same	ADJ
easat-5722	209	32	scale	scale	NOUN
easat-5722	209	33	,	,	PUNCT
easat-5722	209	34	which	which	PRON
easat-5722	209	35	ranged	range	VERB
easat-5722	209	36	from	from	ADP
easat-5722	209	37	0.313	0.313	NUM
easat-5722	209	38	to	to	ADP
easat-5722	209	39	0.505	0.505	NUM
easat-5722	209	40	.	.	PUNCT
easat-5722	210	1	eliminating	eliminate	VERB
easat-5722	210	2	pfc2	pfc2	PROPN
easat-5722	210	3	would	would	AUX
easat-5722	210	4	raise	raise	VERB
easat-5722	210	5	the	the	DET
easat-5722	210	6	scale	scale	NOUN
easat-5722	210	7	's	's	PART
easat-5722	210	8	alpha	alpha	NOUN
easat-5722	210	9	substantially	substantially	ADV
easat-5722	210	10	,	,	PUNCT
easat-5722	210	11	from	from	ADP
easat-5722	210	12	0.631	0.631	NUM
easat-5722	210	13	to	to	ADP
easat-5722	210	14	0.827	0.827	NUM
easat-5722	210	15	,	,	PUNCT
easat-5722	210	16	which	which	PRON
easat-5722	210	17	would	would	AUX
easat-5722	210	18	surpass	surpass	VERB
easat-5722	210	19	the	the	DET
easat-5722	210	20	acceptable	acceptable	ADJ
easat-5722	210	21	threshold	threshold	NOUN
easat-5722	210	22	and	and	CCONJ
easat-5722	210	23	improve	improve	VERB
easat-5722	210	24	the	the	DET
easat-5722	210	25	scale	scale	NOUN
easat-5722	210	26	's	's	PART
easat-5722	210	27	overall	overall	ADJ
easat-5722	210	28	reliability	reliability	NOUN
easat-5722	210	29	.	.	PUNCT
easat-5722	211	1	therefore	therefore	ADV
easat-5722	211	2	,	,	PUNCT
easat-5722	211	3	the	the	DET
easat-5722	211	4	recommendation	recommendation	NOUN
easat-5722	211	5	is	be	AUX
easat-5722	211	6	to	to	PART
easat-5722	211	7	remove	remove	VERB
easat-5722	211	8	pfc2	pfc2	PROPN
easat-5722	211	9	,	,	PUNCT
easat-5722	211	10	which	which	PRON
easat-5722	211	11	would	would	AUX
easat-5722	211	12	significantly	significantly	ADV
easat-5722	211	13	enhance	enhance	VERB
easat-5722	211	14	the	the	DET
easat-5722	211	15	reliability	reliability	NOUN
easat-5722	211	16	of	of	ADP
easat-5722	211	17	the	the	DET
easat-5722	211	18	pfc	pfc	NOUN
easat-5722	211	19	scale	scale	NOUN
easat-5722	211	20	.	.	PUNCT
easat-5722	212	1	the	the	DET
easat-5722	212	2	perceived	perceive	VERB
easat-5722	212	3	risk	risk	NOUN
easat-5722	212	4	(	(	PUNCT
easat-5722	212	5	pr	pr	NOUN
easat-5722	212	6	)	)	PUNCT
easat-5722	212	7	scale	scale	NOUN
easat-5722	212	8	had	have	VERB
easat-5722	212	9	an	an	DET
easat-5722	212	10	alpha	alpha	NOUN
easat-5722	212	11	of	of	ADP
easat-5722	212	12	0.766	0.766	NUM
easat-5722	212	13	,	,	PUNCT
easat-5722	212	14	indicating	indicate	VERB
easat-5722	212	15	acceptable	acceptable	ADJ
easat-5722	212	16	reliability	reliability	NOUN
easat-5722	212	17	.	.	PUNCT
easat-5722	213	1	this	this	DET
easat-5722	213	2	scale	scale	NOUN
easat-5722	213	3	includes	include	VERB
easat-5722	213	4	three	three	NUM
easat-5722	213	5	observed	observed	ADJ
easat-5722	213	6	variables	variable	NOUN
easat-5722	213	7	(	(	PUNCT
easat-5722	213	8	pr1	pr1	NOUN
easat-5722	213	9	to	to	PART
easat-5722	213	10	pr3	pr3	PROPN
easat-5722	213	11	)	)	PUNCT
easat-5722	213	12	,	,	PUNCT
easat-5722	213	13	with	with	ADP
easat-5722	213	14	item	item	NOUN
easat-5722	213	15	-	-	PUNCT
easat-5722	213	16	total	total	NOUN
easat-5722	213	17	correlations	correlation	NOUN
easat-5722	213	18	of	of	ADP
easat-5722	213	19	0.644	0.644	NUM
easat-5722	213	20	,	,	PUNCT
easat-5722	213	21	0.762	0.762	NUM
easat-5722	213	22	,	,	PUNCT
easat-5722	213	23	and	and	CCONJ
easat-5722	213	24	0.586	0.586	NUM
easat-5722	213	25	,	,	PUNCT
easat-5722	213	26	respectively	respectively	ADV
easat-5722	213	27	.	.	PUNCT
easat-5722	214	1	pr2	pr2	NOUN
easat-5722	214	2	had	have	VERB
easat-5722	214	3	the	the	DET
easat-5722	214	4	highest	high	ADJ
easat-5722	214	5	item	item	NOUN
easat-5722	214	6	-	-	PUNCT
easat-5722	214	7	total	total	NOUN
easat-5722	214	8	correlation	correlation	NOUN
easat-5722	214	9	,	,	PUNCT
easat-5722	214	10	highlighting	highlight	VERB
easat-5722	214	11	its	its	PRON
easat-5722	214	12	significant	significant	ADJ
easat-5722	214	13	contribution	contribution	NOUN
easat-5722	214	14	to	to	ADP
easat-5722	214	15	the	the	DET
easat-5722	214	16	scale	scale	NOUN
easat-5722	214	17	.	.	PUNCT
easat-5722	215	1	removing	remove	VERB
easat-5722	215	2	any	any	PRON
easat-5722	215	3	of	of	ADP
easat-5722	215	4	the	the	DET
easat-5722	215	5	variables	variable	NOUN
easat-5722	215	6	would	would	AUX
easat-5722	215	7	not	not	PART
easat-5722	215	8	increase	increase	VERB
easat-5722	215	9	the	the	DET
easat-5722	215	10	overall	overall	ADJ
easat-5722	215	11	alpha	alpha	NOUN
easat-5722	215	12	significantly	significantly	ADV
easat-5722	215	13	,	,	PUNCT
easat-5722	215	14	so	so	ADV
easat-5722	215	15	all	all	DET
easat-5722	215	16	variables	variable	NOUN
easat-5722	215	17	in	in	ADP
easat-5722	215	18	the	the	DET
easat-5722	215	19	pr	pr	NOUN
easat-5722	215	20	scale	scale	NOUN
easat-5722	215	21	should	should	AUX
easat-5722	215	22	be	be	AUX
easat-5722	215	23	retained	retain	VERB
easat-5722	215	24	in	in	ADP
easat-5722	215	25	the	the	DET
easat-5722	215	26	research	research	NOUN
easat-5722	215	27	model	model	NOUN
easat-5722	215	28	.	.	PUNCT
easat-5722	216	1	the	the	DET
easat-5722	216	2	bank	bank	PROPN
easat-5722	216	3	brand	brand	NOUN
easat-5722	216	4	and	and	CCONJ
easat-5722	216	5	image	image	NOUN
easat-5722	216	6	(	(	PUNCT
easat-5722	216	7	bbi	bbi	ADJ
easat-5722	216	8	)	)	PUNCT
easat-5722	216	9	scale	scale	NOUN
easat-5722	216	10	demonstrated	demonstrate	VERB
easat-5722	216	11	good	good	ADJ
easat-5722	216	12	reliability	reliability	NOUN
easat-5722	216	13	with	with	ADP
easat-5722	216	14	a	a	DET
easat-5722	216	15	cronbach	cronbach	NOUN
easat-5722	216	16	's	's	PART
easat-5722	216	17	alpha	alpha	NOUN
easat-5722	216	18	of	of	ADP
easat-5722	216	19	0.84	0.84	NUM
easat-5722	216	20	.	.	PUNCT
easat-5722	217	1	the	the	DET
easat-5722	217	2	scale	scale	NOUN
easat-5722	217	3	consists	consist	VERB
easat-5722	217	4	of	of	ADP
easat-5722	217	5	four	four	NUM
easat-5722	217	6	observed	observed	ADJ
easat-5722	217	7	variables	variable	NOUN
easat-5722	217	8	(	(	PUNCT
easat-5722	217	9	bbi1	bbi1	PROPN
easat-5722	217	10	to	to	PART
easat-5722	217	11	bbi4	bbi4	VERB
easat-5722	217	12	)	)	PUNCT
easat-5722	217	13	with	with	ADP
easat-5722	217	14	item	item	NOUN
easat-5722	217	15	-	-	PUNCT
easat-5722	217	16	total	total	NOUN
easat-5722	217	17	correlations	correlation	NOUN
easat-5722	217	18	ranging	range	VERB
easat-5722	217	19	from	from	ADP
easat-5722	217	20	0.695	0.695	NUM
easat-5722	217	21	to	to	ADP
easat-5722	217	22	0.746	0.746	NUM
easat-5722	217	23	,	,	PUNCT
easat-5722	217	24	with	with	ADP
easat-5722	217	25	bbi4	bbi4	NOUN
easat-5722	217	26	showing	show	VERB
easat-5722	217	27	the	the	DET
easat-5722	217	28	highest	high	ADJ
easat-5722	217	29	correlation	correlation	NOUN
easat-5722	217	30	.	.	PUNCT
easat-5722	218	1	this	this	PRON
easat-5722	218	2	suggests	suggest	VERB
easat-5722	218	3	that	that	SCONJ
easat-5722	218	4	all	all	DET
easat-5722	218	5	observed	observe	VERB
easat-5722	218	6	variables	variable	NOUN
easat-5722	218	7	in	in	ADP
easat-5722	218	8	this	this	DET
easat-5722	218	9	scale	scale	NOUN
easat-5722	218	10	are	be	AUX
easat-5722	218	11	well	well	ADV
easat-5722	218	12	-	-	PUNCT
easat-5722	218	13	connected	connect	VERB
easat-5722	218	14	to	to	ADP
easat-5722	218	15	the	the	DET
easat-5722	218	16	overall	overall	ADJ
easat-5722	218	17	concept	concept	NOUN
easat-5722	218	18	.	.	PUNCT
easat-5722	219	1	the	the	DET
easat-5722	219	2	alpha	alpha	ADJ
easat-5722	219	3	values	value	NOUN
easat-5722	219	4	,	,	PUNCT
easat-5722	219	5	if	if	SCONJ
easat-5722	219	6	any	any	DET
easat-5722	219	7	variable	variable	NOUN
easat-5722	219	8	were	be	AUX
easat-5722	219	9	removed	remove	VERB
easat-5722	219	10	,	,	PUNCT
easat-5722	219	11	ranged	range	VERB
easat-5722	219	12	from	from	ADP
easat-5722	219	13	0.845	0.845	NUM
easat-5722	219	14	to	to	ADP
easat-5722	219	15	0.855	0.855	NUM
easat-5722	219	16	.	.	PUNCT
easat-5722	220	1	since	since	SCONJ
easat-5722	220	2	no	no	DET
easat-5722	220	3	variable	variable	ADJ
easat-5722	220	4	removal	removal	NOUN
easat-5722	220	5	would	would	AUX
easat-5722	220	6	meaningfully	meaningfully	ADV
easat-5722	220	7	improve	improve	VERB
easat-5722	220	8	the	the	DET
easat-5722	220	9	scale	scale	NOUN
easat-5722	220	10	's	's	PART
easat-5722	220	11	reliability	reliability	NOUN
easat-5722	220	12	,	,	PUNCT
easat-5722	220	13	all	all	DET
easat-5722	220	14	variables	variable	NOUN
easat-5722	220	15	in	in	ADP
easat-5722	220	16	the	the	DET
easat-5722	220	17	bbi	bbi	ADJ
easat-5722	220	18	scale	scale	NOUN
easat-5722	220	19	should	should	AUX
easat-5722	220	20	be	be	AUX
easat-5722	220	21	maintained	maintain	VERB
easat-5722	220	22	in	in	ADP
easat-5722	220	23	the	the	DET
easat-5722	220	24	model	model	NOUN
easat-5722	220	25	.	.	PUNCT
easat-5722	221	1	1963	1963	NUM
easat-5722	221	2	edelweiss	edelweiss	PROPN
easat-5722	221	3	applied	apply	VERB
easat-5722	221	4	science	science	NOUN
easat-5722	221	5	and	and	CCONJ
easat-5722	221	6	technology	technology	NOUN
easat-5722	221	7	issn	issn	PROPN
easat-5722	221	8	:	:	PUNCT
easat-5722	221	9	2576	2576	NUM
easat-5722	221	10	-	-	SYM
easat-5722	221	11	8484	8484	NUM
easat-5722	221	12	vol	vol	NOUN
easat-5722	221	13	.	.	PROPN
easat-5722	222	1	9	9	NUM
easat-5722	222	2	,	,	PUNCT
easat-5722	222	3	no	no	INTJ
easat-5722	222	4	.	.	NOUN
easat-5722	223	1	3	3	NUM
easat-5722	223	2	:	:	SYM
easat-5722	223	3	1954	1954	NUM
easat-5722	223	4	-	-	SYM
easat-5722	223	5	1971	1971	NUM
easat-5722	223	6	,	,	PUNCT
easat-5722	223	7	2024	2024	NUM
easat-5722	223	8	doi	doi	NOUN
easat-5722	223	9	:	:	PUNCT
easat-5722	223	10	10.55214/25768484.v9i3.5722	10.55214/25768484.v9i3.5722	NUM
easat-5722	223	11	©	©	PROPN
easat-5722	223	12	2025	2025	NUM
easat-5722	223	13	by	by	ADP
easat-5722	223	14	the	the	DET
easat-5722	223	15	authors	author	NOUN
easat-5722	223	16	;	;	PUNCT
easat-5722	223	17	licensee	licensee	PROPN
easat-5722	223	18	learning	learning	NOUN
easat-5722	223	19	gate	gate	VERB
easat-5722	223	20	the	the	DET
easat-5722	223	21	final	final	ADJ
easat-5722	223	22	section	section	NOUN
easat-5722	223	23	of	of	ADP
easat-5722	223	24	the	the	DET
easat-5722	223	25	second	second	ADJ
easat-5722	223	26	table	table	NOUN
easat-5722	223	27	shows	show	VERB
easat-5722	223	28	the	the	DET
easat-5722	223	29	perceived	perceive	VERB
easat-5722	223	30	trust	trust	NOUN
easat-5722	223	31	(	(	PUNCT
easat-5722	223	32	pt	pt	NOUN
easat-5722	223	33	)	)	PUNCT
easat-5722	223	34	scale	scale	NOUN
easat-5722	223	35	with	with	ADP
easat-5722	223	36	an	an	DET
easat-5722	223	37	alpha	alpha	NOUN
easat-5722	223	38	of	of	ADP
easat-5722	223	39	0.851	0.851	NUM
easat-5722	223	40	,	,	PUNCT
easat-5722	223	41	meeting	meet	VERB
easat-5722	223	42	the	the	DET
easat-5722	223	43	standard	standard	NOUN
easat-5722	223	44	for	for	ADP
easat-5722	223	45	good	good	ADJ
easat-5722	223	46	reliability	reliability	NOUN
easat-5722	223	47	.	.	PUNCT
easat-5722	224	1	the	the	DET
easat-5722	224	2	pt	pt	PROPN
easat-5722	224	3	scale	scale	NOUN
easat-5722	224	4	includes	include	VERB
easat-5722	224	5	five	five	NUM
easat-5722	224	6	observed	observed	ADJ
easat-5722	224	7	variables	variable	NOUN
easat-5722	224	8	(	(	PUNCT
easat-5722	224	9	pt1	pt1	PROPN
easat-5722	224	10	to	to	ADP
easat-5722	224	11	pt5	pt5	PROPN
easat-5722	224	12	)	)	PUNCT
easat-5722	224	13	,	,	PUNCT
easat-5722	224	14	with	with	ADP
easat-5722	224	15	mean	mean	ADJ
easat-5722	224	16	values	value	NOUN
easat-5722	224	17	between	between	ADP
easat-5722	224	18	16.923	16.923	NUM
easat-5722	224	19	and	and	CCONJ
easat-5722	224	20	17.126	17.126	NUM
easat-5722	224	21	.	.	PUNCT
easat-5722	225	1	the	the	DET
easat-5722	225	2	observed	observed	ADJ
easat-5722	225	3	variables	variable	NOUN
easat-5722	225	4	had	have	VERB
easat-5722	225	5	item	item	NOUN
easat-5722	225	6	-	-	PUNCT
easat-5722	225	7	total	total	NOUN
easat-5722	225	8	correlations	correlation	NOUN
easat-5722	225	9	ranging	range	VERB
easat-5722	225	10	from	from	ADP
easat-5722	225	11	0.608	0.608	NUM
easat-5722	225	12	to	to	ADP
easat-5722	225	13	0.761	0.761	NUM
easat-5722	225	14	,	,	PUNCT
easat-5722	225	15	indicating	indicate	VERB
easat-5722	225	16	good	good	ADJ
easat-5722	225	17	internal	internal	ADJ
easat-5722	225	18	consistency	consistency	NOUN
easat-5722	225	19	.	.	PUNCT
easat-5722	226	1	removing	remove	VERB
easat-5722	226	2	any	any	PRON
easat-5722	226	3	of	of	ADP
easat-5722	226	4	the	the	DET
easat-5722	226	5	variables	variable	NOUN
easat-5722	226	6	would	would	AUX
easat-5722	226	7	not	not	PART
easat-5722	226	8	significantly	significantly	ADV
easat-5722	226	9	increase	increase	VERB
easat-5722	226	10	the	the	DET
easat-5722	226	11	overall	overall	ADJ
easat-5722	226	12	alpha	alpha	NOUN
easat-5722	226	13	,	,	PUNCT
easat-5722	226	14	so	so	ADV
easat-5722	226	15	all	all	DET
easat-5722	226	16	variables	variable	NOUN
easat-5722	226	17	in	in	ADP
easat-5722	226	18	the	the	DET
easat-5722	226	19	pt	pt	NOUN
easat-5722	226	20	scale	scale	NOUN
easat-5722	226	21	should	should	AUX
easat-5722	226	22	remain	remain	VERB
easat-5722	226	23	in	in	ADP
easat-5722	226	24	the	the	DET
easat-5722	226	25	research	research	NOUN
easat-5722	226	26	model	model	NOUN
easat-5722	226	27	.	.	PUNCT
easat-5722	227	1	the	the	DET
easat-5722	227	2	item	item	NOUN
easat-5722	227	3	-	-	PUNCT
easat-5722	227	4	total	total	NOUN
easat-5722	227	5	correlation	correlation	NOUN
easat-5722	227	6	is	be	AUX
easat-5722	227	7	a	a	DET
easat-5722	227	8	crucial	crucial	ADJ
easat-5722	227	9	indicator	indicator	NOUN
easat-5722	227	10	for	for	ADP
easat-5722	227	11	assessing	assess	VERB
easat-5722	227	12	the	the	DET
easat-5722	227	13	contribution	contribution	NOUN
easat-5722	227	14	of	of	ADP
easat-5722	227	15	each	each	DET
easat-5722	227	16	observed	observe	VERB
easat-5722	227	17	variable	variable	NOUN
easat-5722	227	18	to	to	ADP
easat-5722	227	19	the	the	DET
easat-5722	227	20	overall	overall	ADJ
easat-5722	227	21	scale	scale	NOUN
easat-5722	227	22	.	.	PUNCT
easat-5722	228	1	typically	typically	ADV
easat-5722	228	2	,	,	PUNCT
easat-5722	228	3	this	this	DET
easat-5722	228	4	correlation	correlation	NOUN
easat-5722	228	5	should	should	AUX
easat-5722	228	6	exceed	exceed	VERB
easat-5722	228	7	0.3	0.3	NUM
easat-5722	228	8	for	for	ADP
easat-5722	228	9	an	an	DET
easat-5722	228	10	observed	observed	ADJ
easat-5722	228	11	variable	variable	NOUN
easat-5722	228	12	to	to	PART
easat-5722	228	13	be	be	AUX
easat-5722	228	14	considered	consider	VERB
easat-5722	228	15	a	a	DET
easat-5722	228	16	meaningful	meaningful	ADJ
easat-5722	228	17	contributor	contributor	NOUN
easat-5722	228	18	to	to	ADP
easat-5722	228	19	the	the	DET
easat-5722	228	20	scale	scale	NOUN
easat-5722	228	21	.	.	PUNCT
easat-5722	229	1	in	in	ADP
easat-5722	229	2	the	the	DET
easat-5722	229	3	analyzed	analyze	VERB
easat-5722	229	4	scales	scale	NOUN
easat-5722	229	5	,	,	PUNCT
easat-5722	229	6	most	most	ADV
easat-5722	229	7	observed	observed	ADJ
easat-5722	229	8	variables	variable	NOUN
easat-5722	229	9	had	have	VERB
easat-5722	229	10	item	item	NOUN
easat-5722	229	11	-	-	PUNCT
easat-5722	229	12	total	total	NOUN
easat-5722	229	13	correlations	correlation	NOUN
easat-5722	229	14	exceeding	exceed	VERB
easat-5722	229	15	0.5	0.5	NUM
easat-5722	229	16	,	,	PUNCT
easat-5722	229	17	demonstrating	demonstrate	VERB
easat-5722	229	18	a	a	DET
easat-5722	229	19	strong	strong	ADJ
easat-5722	229	20	contribution	contribution	NOUN
easat-5722	229	21	to	to	ADP
easat-5722	229	22	the	the	DET
easat-5722	229	23	overall	overall	ADJ
easat-5722	229	24	reliability	reliability	NOUN
easat-5722	229	25	.	.	PUNCT
easat-5722	230	1	the	the	DET
easat-5722	230	2	only	only	ADJ
easat-5722	230	3	exception	exception	NOUN
easat-5722	230	4	was	be	AUX
easat-5722	230	5	pfc2	pfc2	ADJ
easat-5722	230	6	,	,	PUNCT
easat-5722	230	7	with	with	ADP
easat-5722	230	8	an	an	DET
easat-5722	230	9	item	item	NOUN
easat-5722	230	10	-	-	PUNCT
easat-5722	230	11	total	total	NOUN
easat-5722	230	12	correlation	correlation	NOUN
easat-5722	230	13	of	of	ADP
easat-5722	230	14	only	only	ADV
easat-5722	230	15	0.168	0.168	NUM
easat-5722	230	16	,	,	PUNCT
easat-5722	230	17	far	far	ADV
easat-5722	230	18	below	below	ADP
easat-5722	230	19	the	the	DET
easat-5722	230	20	acceptable	acceptable	ADJ
easat-5722	230	21	threshold	threshold	NOUN
easat-5722	230	22	.	.	PUNCT
easat-5722	231	1	this	this	PRON
easat-5722	231	2	explains	explain	VERB
easat-5722	231	3	why	why	SCONJ
easat-5722	231	4	pfc2	pfc2	PROPN
easat-5722	231	5	was	be	AUX
easat-5722	231	6	recommended	recommend	VERB
easat-5722	231	7	for	for	ADP
easat-5722	231	8	removal	removal	NOUN
easat-5722	231	9	.	.	PUNCT
easat-5722	232	1	several	several	ADJ
easat-5722	232	2	variables	variable	NOUN
easat-5722	232	3	had	have	VERB
easat-5722	232	4	particularly	particularly	ADV
easat-5722	232	5	high	high	ADJ
easat-5722	232	6	item	item	NOUN
easat-5722	232	7	-	-	PUNCT
easat-5722	232	8	total	total	NOUN
easat-5722	232	9	correlations	correlation	NOUN
easat-5722	232	10	,	,	PUNCT
easat-5722	232	11	such	such	ADJ
easat-5722	232	12	as	as	ADP
easat-5722	232	13	pc2	pc2	NOUN
easat-5722	232	14	(	(	PUNCT
easat-5722	232	15	0.851	0.851	NUM
easat-5722	232	16	)	)	PUNCT
easat-5722	232	17	,	,	PUNCT
easat-5722	232	18	pu2	pu2	NOUN
easat-5722	232	19	(	(	PUNCT
easat-5722	232	20	0.791	0.791	NUM
easat-5722	232	21	)	)	PUNCT
easat-5722	232	22	,	,	PUNCT
easat-5722	232	23	pu3	pu3	PROPN
easat-5722	232	24	(	(	PUNCT
easat-5722	232	25	0.791	0.791	NUM
easat-5722	232	26	)	)	PUNCT
easat-5722	232	27	,	,	PUNCT
easat-5722	232	28	pr2	pr2	NOUN
easat-5722	232	29	(	(	PUNCT
easat-5722	232	30	0.762	0.762	NUM
easat-5722	232	31	)	)	PUNCT
easat-5722	232	32	,	,	PUNCT
easat-5722	232	33	and	and	CCONJ
easat-5722	232	34	pt3	pt3	NOUN
easat-5722	232	35	(	(	PUNCT
easat-5722	232	36	0.761	0.761	NUM
easat-5722	232	37	)	)	PUNCT
easat-5722	232	38	.	.	PUNCT
easat-5722	233	1	these	these	DET
easat-5722	233	2	variables	variable	NOUN
easat-5722	233	3	made	make	VERB
easat-5722	233	4	significant	significant	ADJ
easat-5722	233	5	contributions	contribution	NOUN
easat-5722	233	6	to	to	ADP
easat-5722	233	7	their	their	PRON
easat-5722	233	8	respective	respective	ADJ
easat-5722	233	9	scales	scale	NOUN
easat-5722	233	10	,	,	PUNCT
easat-5722	233	11	ensuring	ensure	VERB
easat-5722	233	12	strong	strong	ADJ
easat-5722	233	13	internal	internal	ADJ
easat-5722	233	14	consistency	consistency	NOUN
easat-5722	233	15	.	.	PUNCT
easat-5722	234	1	based	base	VERB
easat-5722	234	2	on	on	ADP
easat-5722	234	3	the	the	DET
easat-5722	234	4	analysis	analysis	NOUN
easat-5722	234	5	,	,	PUNCT
easat-5722	234	6	several	several	ADJ
easat-5722	234	7	conclusions	conclusion	NOUN
easat-5722	234	8	and	and	CCONJ
easat-5722	234	9	recommendations	recommendation	NOUN
easat-5722	234	10	can	can	AUX
easat-5722	234	11	be	be	AUX
easat-5722	234	12	drawn	draw	VERB
easat-5722	234	13	for	for	ADP
easat-5722	234	14	the	the	DET
easat-5722	234	15	research	research	NOUN
easat-5722	234	16	:	:	PUNCT
easat-5722	234	17	most	most	ADJ
easat-5722	234	18	scales	scale	NOUN
easat-5722	234	19	demonstrated	demonstrate	VERB
easat-5722	234	20	good	good	ADJ
easat-5722	234	21	reliability	reliability	NOUN
easat-5722	234	22	,	,	PUNCT
easat-5722	234	23	with	with	ADP
easat-5722	234	24	cronbach	cronbach	NOUN
easat-5722	234	25	's	's	PART
easat-5722	234	26	alpha	alpha	NOUN
easat-5722	234	27	exceeding	exceed	VERB
easat-5722	234	28	0.7	0.7	NUM
easat-5722	234	29	,	,	PUNCT
easat-5722	234	30	ensuring	ensure	VERB
easat-5722	234	31	internal	internal	ADJ
easat-5722	234	32	consistency	consistency	NOUN
easat-5722	234	33	.	.	PUNCT
easat-5722	235	1	the	the	DET
easat-5722	235	2	perceived	perceive	VERB
easat-5722	235	3	confidence	confidence	NOUN
easat-5722	235	4	(	(	PUNCT
easat-5722	235	5	pc	pc	NOUN
easat-5722	235	6	)	)	PUNCT
easat-5722	235	7	scale	scale	NOUN
easat-5722	235	8	had	have	VERB
easat-5722	235	9	the	the	DET
easat-5722	235	10	highest	high	ADJ
easat-5722	235	11	reliability	reliability	NOUN
easat-5722	235	12	with	with	ADP
easat-5722	235	13	an	an	DET
easat-5722	235	14	alpha	alpha	NOUN
easat-5722	235	15	of	of	ADP
easat-5722	235	16	0.883	0.883	NUM
easat-5722	235	17	,	,	PUNCT
easat-5722	235	18	while	while	SCONJ
easat-5722	235	19	the	the	DET
easat-5722	235	20	perceived	perceive	VERB
easat-5722	235	21	financial	financial	ADJ
easat-5722	235	22	cost	cost	NOUN
easat-5722	235	23	(	(	PUNCT
easat-5722	235	24	pfc	pfc	NOUN
easat-5722	235	25	)	)	PUNCT
easat-5722	235	26	scale	scale	NOUN
easat-5722	235	27	had	have	VERB
easat-5722	235	28	the	the	DET
easat-5722	235	29	lowest	low	ADJ
easat-5722	235	30	reliability	reliability	NOUN
easat-5722	235	31	at	at	ADP
easat-5722	235	32	0.631	0.631	NUM
easat-5722	235	33	.	.	PUNCT
easat-5722	236	1	to	to	PART
easat-5722	236	2	improve	improve	VERB
easat-5722	236	3	the	the	DET
easat-5722	236	4	pfc	pfc	NOUN
easat-5722	236	5	scale	scale	NOUN
easat-5722	236	6	’s	’s	PART
easat-5722	236	7	reliability	reliability	NOUN
easat-5722	236	8	,	,	PUNCT
easat-5722	236	9	the	the	DET
easat-5722	236	10	removal	removal	NOUN
easat-5722	236	11	of	of	ADP
easat-5722	236	12	the	the	DET
easat-5722	236	13	pfc2	pfc2	ADJ
easat-5722	236	14	variable	variable	NOUN
easat-5722	236	15	is	be	AUX
easat-5722	236	16	suggested	suggest	VERB
easat-5722	236	17	,	,	PUNCT
easat-5722	236	18	which	which	PRON
easat-5722	236	19	would	would	AUX
easat-5722	236	20	raise	raise	VERB
easat-5722	236	21	the	the	DET
easat-5722	236	22	alpha	alpha	NOUN
easat-5722	236	23	to	to	ADP
easat-5722	236	24	an	an	DET
easat-5722	236	25	acceptable	acceptable	ADJ
easat-5722	236	26	level	level	NOUN
easat-5722	236	27	.	.	PUNCT
easat-5722	237	1	all	all	DET
easat-5722	237	2	other	other	ADJ
easat-5722	237	3	scales	scale	NOUN
easat-5722	237	4	—	—	PUNCT
easat-5722	237	5	perceived	perceive	VERB
easat-5722	237	6	usefulness	usefulness	NOUN
easat-5722	237	7	(	(	PUNCT
easat-5722	237	8	pu	pu	PROPN
easat-5722	237	9	)	)	PUNCT
easat-5722	237	10	,	,	PUNCT
easat-5722	237	11	perceived	perceive	VERB
easat-5722	237	12	trust	trust	NOUN
easat-5722	237	13	(	(	PUNCT
easat-5722	237	14	pt	pt	PROPN
easat-5722	237	15	)	)	PUNCT
easat-5722	237	16	,	,	PUNCT
easat-5722	237	17	perceived	perceive	VERB
easat-5722	237	18	risk	risk	NOUN
easat-5722	237	19	(	(	PUNCT
easat-5722	237	20	pr	pr	NOUN
easat-5722	237	21	)	)	PUNCT
easat-5722	237	22	,	,	PUNCT
easat-5722	237	23	and	and	CCONJ
easat-5722	237	24	bank	bank	NOUN
easat-5722	237	25	brand	brand	NOUN
easat-5722	237	26	and	and	CCONJ
easat-5722	237	27	image	image	NOUN
easat-5722	237	28	(	(	PUNCT
easat-5722	237	29	bbi)—met	bbi)—met	X
easat-5722	237	30	the	the	DET
easat-5722	237	31	reliability	reliability	NOUN
easat-5722	237	32	requirements	requirement	NOUN
easat-5722	237	33	,	,	PUNCT
easat-5722	237	34	and	and	CCONJ
easat-5722	237	35	no	no	DET
easat-5722	237	36	further	further	ADJ
easat-5722	237	37	modifications	modification	NOUN
easat-5722	237	38	are	be	AUX
easat-5722	237	39	necessary	necessary	ADJ
easat-5722	237	40	.	.	PUNCT
easat-5722	238	1	the	the	DET
easat-5722	238	2	removal	removal	NOUN
easat-5722	238	3	of	of	ADP
easat-5722	238	4	pfc2	pfc2	PROPN
easat-5722	238	5	is	be	AUX
easat-5722	238	6	the	the	DET
easat-5722	238	7	only	only	ADJ
easat-5722	238	8	adjustment	adjustment	NOUN
easat-5722	238	9	needed	need	VERB
easat-5722	238	10	to	to	PART
easat-5722	238	11	ensure	ensure	VERB
easat-5722	238	12	that	that	SCONJ
easat-5722	238	13	all	all	DET
easat-5722	238	14	scales	scale	NOUN
easat-5722	238	15	in	in	ADP
easat-5722	238	16	the	the	DET
easat-5722	238	17	study	study	NOUN
easat-5722	238	18	achieve	achieve	VERB
easat-5722	238	19	acceptable	acceptable	ADJ
easat-5722	238	20	levels	level	NOUN
easat-5722	238	21	of	of	ADP
easat-5722	238	22	internal	internal	ADJ
easat-5722	238	23	consistency	consistency	NOUN
easat-5722	238	24	and	and	CCONJ
easat-5722	238	25	reliability	reliability	NOUN
easat-5722	238	26	,	,	PUNCT
easat-5722	238	27	enhancing	enhance	VERB
easat-5722	238	28	the	the	DET
easat-5722	238	29	overall	overall	ADJ
easat-5722	238	30	robustness	robustness	NOUN
easat-5722	238	31	of	of	ADP
easat-5722	238	32	the	the	DET
easat-5722	238	33	research	research	NOUN
easat-5722	238	34	findings	finding	NOUN
easat-5722	238	35	.	.	PUNCT
easat-5722	239	1	1964	1964	NUM
easat-5722	239	2	edelweiss	edelweiss	PROPN
easat-5722	239	3	applied	apply	VERB
easat-5722	239	4	science	science	NOUN
easat-5722	239	5	and	and	CCONJ
easat-5722	239	6	technology	technology	NOUN
easat-5722	239	7	issn	issn	PROPN
easat-5722	239	8	:	:	PUNCT
easat-5722	239	9	2576	2576	NUM
easat-5722	239	10	-	-	SYM
easat-5722	239	11	8484	8484	NUM
easat-5722	239	12	vol	vol	NOUN
easat-5722	239	13	.	.	PROPN
easat-5722	240	1	9	9	NUM
easat-5722	240	2	,	,	PUNCT
easat-5722	240	3	no	no	INTJ
easat-5722	240	4	.	.	NOUN
easat-5722	241	1	3	3	NUM
easat-5722	241	2	:	:	SYM
easat-5722	241	3	1954	1954	NUM
easat-5722	241	4	-	-	SYM
easat-5722	241	5	1971	1971	NUM
easat-5722	241	6	,	,	PUNCT
easat-5722	241	7	2024	2024	NUM
easat-5722	241	8	doi	doi	NOUN
easat-5722	241	9	:	:	PUNCT
easat-5722	241	10	10.55214/25768484.v9i3.5722	10.55214/25768484.v9i3.5722	NUM
easat-5722	241	11	©	©	PROPN
easat-5722	241	12	2025	2025	NUM
easat-5722	241	13	by	by	ADP
easat-5722	241	14	the	the	DET
easat-5722	241	15	authors	author	NOUN
easat-5722	241	16	;	;	PUNCT
easat-5722	241	17	licensee	licensee	PROPN
easat-5722	241	18	learning	learn	VERB
easat-5722	241	19	gate	gate	NOUN
easat-5722	241	20	table	table	NOUN
easat-5722	242	1	2	2	NUM
easat-5722	242	2	.	.	PUNCT
easat-5722	243	1	cronbach	cronbach	PROPN
easat-5722	243	2	’s	’s	PART
easat-5722	243	3	alpha	alpha	NOUN
easat-5722	243	4	test	test	NOUN
easat-5722	243	5	.	.	PUNCT
easat-5722	244	1	variables	variable	NOUN
easat-5722	244	2	mean	mean	VERB
easat-5722	244	3	scale	scale	NOUN
easat-5722	244	4	if	if	SCONJ
easat-5722	244	5	variable	variable	ADJ
easat-5722	244	6	is	be	AUX
easat-5722	244	7	removed	remove	VERB
easat-5722	244	8	scale	scale	NOUN
easat-5722	244	9	variance	variance	NOUN
easat-5722	244	10	if	if	SCONJ
easat-5722	244	11	variable	variable	ADJ
easat-5722	244	12	is	be	AUX
easat-5722	244	13	removed	remove	VERB
easat-5722	244	14	total	total	ADJ
easat-5722	244	15	variable	variable	ADJ
easat-5722	244	16	correlation	correlation	NOUN
easat-5722	244	17	cronbach	cronbach	NOUN
easat-5722	244	18	’s	’s	PART
easat-5722	244	19	alpha	alpha	ADJ
easat-5722	244	20	total	total	NOUN
easat-5722	244	21	correlation	correlation	NOUN
easat-5722	244	22	if	if	SCONJ
easat-5722	244	23	variable	variable	ADJ
easat-5722	244	24	is	be	AUX
easat-5722	244	25	removed	remove	VERB
easat-5722	244	26	conclusion	conclusion	NOUN
easat-5722	244	27	perceived	perceive	VERB
easat-5722	244	28	confidence	confidence	NOUN
easat-5722	244	29	(	(	PUNCT
easat-5722	244	30	pc	pc	NOUN
easat-5722	244	31	):	):	PUNCT
easat-5722	244	32	alpha	alpha	NOUN
easat-5722	244	33	=	=	NOUN
easat-5722	244	34	0.883	0.883	NUM
easat-5722	244	35	pc1	pc1	PROPN
easat-5722	244	36	16.964	16.964	NUM
easat-5722	244	37	7.029	7.029	NUM
easat-5722	244	38	0.791	0.791	NUM
easat-5722	244	39	0.885	0.885	NUM
easat-5722	244	40	accept	accept	VERB
easat-5722	244	41	pc2	pc2	NOUN
easat-5722	244	42	16.913	16.913	NUM
easat-5722	244	43	6.944	6.944	NUM
easat-5722	244	44	0.831	0.831	NUM
easat-5722	244	45	0.875	0.875	NUM
easat-5722	244	46	accept	accept	VERB
easat-5722	244	47	pc3	pc3	PROPN
easat-5722	244	48	16.781	16.781	NUM
easat-5722	244	49	7.513	7.513	NUM
easat-5722	244	50	0.837	0.837	NUM
easat-5722	244	51	0.877	0.877	NUM
easat-5722	244	52	accept	accept	VERB
easat-5722	244	53	pc4	pc4	PROPN
easat-5722	244	54	16.771	16.771	NUM
easat-5722	244	55	7.709	7.709	NUM
easat-5722	244	56	0.674	0.674	NUM
easat-5722	244	57	0.913	0.913	NUM
easat-5722	244	58	accept	accept	VERB
easat-5722	244	59	pc5	pc5	NOUN
easat-5722	244	60	16.64	16.64	NUM
easat-5722	244	61	8.217	8.217	NUM
easat-5722	244	62	0.633	0.633	NUM
easat-5722	244	63	0.921	0.921	NUM
easat-5722	244	64	accept	accept	NOUN
easat-5722	244	65	perceived	perceive	VERB
easat-5722	244	66	usefulness	usefulness	NOUN
easat-5722	244	67	(	(	PUNCT
easat-5722	244	68	pu	pu	PROPN
easat-5722	244	69	):	):	PUNCT
easat-5722	244	70	alpha	alpha	NOUN
easat-5722	244	71	=	=	PUNCT
easat-5722	244	72	0.855	0.855	NUM
easat-5722	244	73	pu1	pu1	NOUN
easat-5722	244	74	17.855	17.855	NUM
easat-5722	244	75	5.744	5.744	NUM
easat-5722	244	76	0.732	0.732	NUM
easat-5722	244	77	0.876	0.876	NUM
easat-5722	244	78	accept	accept	VERB
easat-5722	244	79	pu2	pu2	PROPN
easat-5722	244	80	17.875	17.875	NUM
easat-5722	244	81	5.660	5.660	NUM
easat-5722	244	82	0.791	0.791	NUM
easat-5722	244	83	0.862	0.862	NUM
easat-5722	244	84	accept	accept	VERB
easat-5722	244	85	pu3	pu3	PROPN
easat-5722	244	86	17.895	17.895	NUM
easat-5722	244	87	5.562	5.562	NUM
easat-5722	244	88	0.687	0.687	NUM
easat-5722	244	89	0.890	0.890	NUM
easat-5722	244	90	accept	accept	VERB
easat-5722	244	91	pu4	pu4	X
easat-5722	244	92	17.763	17.763	NUM
easat-5722	244	93	6.157	6.157	NUM
easat-5722	244	94	0.630	0.630	NUM
easat-5722	244	95	0.900	0.900	NUM
easat-5722	244	96	accept	accept	VERB
easat-5722	244	97	pu5	pu5	ADP
easat-5722	244	98	17.804	17.804	NUM
easat-5722	244	99	5.613	5.613	NUM
easat-5722	244	100	0.792	0.792	NUM
easat-5722	244	101	0.861	0.861	NUM
easat-5722	244	102	accept	accept	VERB
easat-5722	244	103	perceived	perceive	VERB
easat-5722	244	104	financial	financial	ADJ
easat-5722	244	105	cost	cost	NOUN
easat-5722	244	106	(	(	PUNCT
easat-5722	244	107	pfc	pfc	NOUN
easat-5722	244	108	):	):	PUNCT
easat-5722	244	109	alpha	alpha	NOUN
easat-5722	244	110	=	=	NOUN
easat-5722	244	111	0.631	0.631	NUM
easat-5722	244	112	pfc1	pfc1	PROPN
easat-5722	244	113	16.538	16.538	NUM
easat-5722	244	114	4.517	4.517	NUM
easat-5722	244	115	0.46	0.46	NUM
easat-5722	244	116	0.795	0.795	NUM
easat-5722	244	117	accept	accept	VERB
easat-5722	244	118	pfc2	pfc2	PROPN
easat-5722	244	119	16.559	16.559	NUM
easat-5722	244	120	5.548	5.548	NUM
easat-5722	244	121	0.168	0.168	NUM
easat-5722	244	122	0.527	0.527	NUM
easat-5722	244	123	reject	reject	PROPN
easat-5722	244	124	pfc3	pfc3	PROPN
easat-5722	244	125	16.700	16.700	NUM
easat-5722	244	126	4.511	4.511	NUM
easat-5722	244	127	0.513	0.513	NUM
easat-5722	244	128	0.871	0.871	NUM
easat-5722	244	129	accept	accept	VERB
easat-5722	244	130	pfc4	pfc4	NOUN
easat-5722	244	131	16.619	16.619	NUM
easat-5722	244	132	4.542	4.542	NUM
easat-5722	244	133	0.474	0.474	NUM
easat-5722	244	134	0.890	0.890	NUM
easat-5722	244	135	accept	accept	VERB
easat-5722	244	136	pfc5	pfc5	PROPN
easat-5722	244	137	16.66	16.66	NUM
easat-5722	244	138	4.367	4.367	NUM
easat-5722	244	139	0.505	0.505	NUM
easat-5722	244	140	0.872	0.872	NUM
easat-5722	244	141	accept	accept	VERB
easat-5722	244	142	perceived	perceive	VERB
easat-5722	244	143	risk	risk	NOUN
easat-5722	244	144	(	(	PUNCT
easat-5722	244	145	pr	pr	NOUN
easat-5722	244	146	):	):	PUNCT
easat-5722	244	147	alpha	alpha	NOUN
easat-5722	244	148	=	=	PUNCT
easat-5722	244	149	0.780	0.780	NUM
easat-5722	244	150	pr1	pr1	NOUN
easat-5722	244	151	8.681	8.681	NUM
easat-5722	244	152	1.927	1.927	NUM
easat-5722	244	153	0.644	0.644	NUM
easat-5722	244	154	0.765	0.765	NUM
easat-5722	244	155	accept	accept	VERB
easat-5722	244	156	pr2	pr2	NOUN
easat-5722	244	157	8.732	8.732	NUM
easat-5722	244	158	1.689	1.689	NUM
easat-5722	244	159	0.762	0.762	NUM
easat-5722	244	160	0.625	0.625	NUM
easat-5722	244	161	accept	accept	VERB
easat-5722	244	162	pr3	pr3	NOUN
easat-5722	244	163	8.529	8.529	NUM
easat-5722	244	164	2.244	2.244	NUM
easat-5722	244	165	0.586	0.586	NUM
easat-5722	244	166	0.822	0.822	NUM
easat-5722	244	167	accept	accept	ADJ
easat-5722	244	168	perceived	perceive	VERB
easat-5722	244	169	trust	trust	NOUN
easat-5722	244	170	(	(	PUNCT
easat-5722	244	171	pt	pt	PROPN
easat-5722	244	172	):	):	PUNCT
easat-5722	244	173	alpha	alpha	NOUN
easat-5722	244	174	=	=	PUNCT
easat-5722	244	175	0.851	0.851	NUM
easat-5722	244	176	pt1	pt1	PROPN
easat-5722	244	177	16.913	16.913	NUM
easat-5722	244	178	5.979	5.979	NUM
easat-5722	244	179	0.739	0.739	NUM
easat-5722	244	180	0.857	0.857	NUM
easat-5722	244	181	accept	accept	VERB
easat-5722	244	182	pt2	pt2	PROPN
easat-5722	244	183	17.126	17.126	NUM
easat-5722	244	184	6.071	6.071	NUM
easat-5722	244	185	0.608	0.608	NUM
easat-5722	244	186	0.897	0.897	NUM
easat-5722	244	187	accept	accept	VERB
easat-5722	244	188	pt3	pt3	NOUN
easat-5722	244	189	16.984	16.984	NUM
easat-5722	244	190	6.317	6.317	NUM
easat-5722	244	191	0.761	0.761	NUM
easat-5722	244	192	0.854	0.854	NUM
easat-5722	244	193	accept	accept	VERB
easat-5722	244	194	pt4	pt4	NOUN
easat-5722	244	195	16.943	16.943	NUM
easat-5722	244	196	6.300	6.300	NUM
easat-5722	244	197	0.721	0.721	NUM
easat-5722	244	198	0.862	0.862	NUM
easat-5722	244	199	accept	accept	VERB
easat-5722	244	200	pt5	pt5	PROPN
easat-5722	244	201	16.923	16.923	NUM
easat-5722	244	202	6.240	6.240	NUM
easat-5722	244	203	0.729	0.729	NUM
easat-5722	244	204	0.86	0.86	NUM
easat-5722	244	205	accept	accept	VERB
easat-5722	244	206	bank	bank	NOUN
easat-5722	244	207	brand	brand	NOUN
easat-5722	244	208	and	and	CCONJ
easat-5722	244	209	image	image	NOUN
easat-5722	244	210	(	(	PUNCT
easat-5722	244	211	bbi	bbi	ADJ
easat-5722	244	212	):	):	PUNCT
easat-5722	244	213	alpha	alpha	NOUN
easat-5722	244	214	=	=	PUNCT
easat-5722	244	215	0.841	0.841	NUM
easat-5722	244	216	bbi1	bbi1	PROPN
easat-5722	244	217	13.207	13.207	NUM
easat-5722	244	218	3.434	3.434	NUM
easat-5722	244	219	0.695	0.695	NUM
easat-5722	244	220	0.855	0.855	NUM
easat-5722	244	221	accept	accept	ADJ
easat-5722	244	222	bbi2	bbi2	PROPN
easat-5722	244	223	13.136	13.136	NUM
easat-5722	244	224	3.315	3.315	NUM
easat-5722	244	225	0.721	0.721	NUM
easat-5722	244	226	0.843	0.843	NUM
easat-5722	244	227	accept	accept	VERB
easat-5722	244	228	bbi3	bbi3	NOUN
easat-5722	244	229	13.076	13.076	NUM
easat-5722	244	230	3.558	3.558	NUM
easat-5722	244	231	0.715	0.715	NUM
easat-5722	244	232	0.846	0.846	NUM
easat-5722	244	233	accept	accept	VERB
easat-5722	244	234	bbi4	bbi4	PROPN
easat-5722	244	235	13.116	13.116	NUM
easat-5722	244	236	3.446	3.446	NUM
easat-5722	244	237	0.746	0.746	NUM
easat-5722	244	238	0.832	0.832	NUM
easat-5722	244	239	accept	accept	VERB
easat-5722	244	240	the	the	DET
easat-5722	244	241	dataset	dataset	NOUN
easat-5722	244	242	exhibits	exhibit	VERB
easat-5722	244	243	strong	strong	ADJ
easat-5722	244	244	suitability	suitability	NOUN
easat-5722	244	245	for	for	ADP
easat-5722	244	246	exploratory	exploratory	ADJ
easat-5722	244	247	factor	factor	NOUN
easat-5722	244	248	analysis	analysis	NOUN
easat-5722	244	249	(	(	PUNCT
easat-5722	244	250	efa	efa	PROPN
easat-5722	244	251	)	)	PUNCT
easat-5722	244	252	,	,	PUNCT
easat-5722	244	253	as	as	SCONJ
easat-5722	244	254	indicated	indicate	VERB
easat-5722	244	255	by	by	ADP
easat-5722	244	256	a	a	DET
easat-5722	244	257	kmo	kmo	NOUN
easat-5722	244	258	value	value	NOUN
easat-5722	244	259	of	of	ADP
easat-5722	244	260	0.813	0.813	NUM
easat-5722	244	261	,	,	PUNCT
easat-5722	244	262	which	which	PRON
easat-5722	244	263	demonstrates	demonstrate	VERB
easat-5722	244	264	excellent	excellent	ADJ
easat-5722	244	265	sample	sample	NOUN
easat-5722	244	266	adequacy	adequacy	NOUN
easat-5722	244	267	.	.	PUNCT
easat-5722	245	1	this	this	PRON
easat-5722	245	2	suggests	suggest	VERB
easat-5722	245	3	that	that	SCONJ
easat-5722	245	4	most	most	ADJ
easat-5722	245	5	of	of	ADP
easat-5722	245	6	the	the	DET
easat-5722	245	7	variance	variance	NOUN
easat-5722	245	8	in	in	ADP
easat-5722	245	9	the	the	DET
easat-5722	245	10	data	datum	NOUN
easat-5722	245	11	can	can	AUX
easat-5722	245	12	be	be	AUX
easat-5722	245	13	attributed	attribute	VERB
easat-5722	245	14	to	to	ADP
easat-5722	245	15	common	common	ADJ
easat-5722	245	16	factors	factor	NOUN
easat-5722	245	17	,	,	PUNCT
easat-5722	245	18	rather	rather	ADV
easat-5722	245	19	than	than	ADP
easat-5722	245	20	unique	unique	ADJ
easat-5722	245	21	variance	variance	NOUN
easat-5722	245	22	or	or	CCONJ
easat-5722	245	23	errors	error	NOUN
easat-5722	245	24	,	,	PUNCT
easat-5722	245	25	supporting	support	VERB
easat-5722	245	26	the	the	DET
easat-5722	245	27	use	use	NOUN
easat-5722	245	28	of	of	ADP
easat-5722	245	29	factor	factor	NOUN
easat-5722	245	30	analysis	analysis	NOUN
easat-5722	245	31	.	.	PUNCT
easat-5722	246	1	the	the	DET
easat-5722	246	2	high	high	ADJ
easat-5722	246	3	kmo	kmo	PROPN
easat-5722	246	4	score	score	NOUN
easat-5722	246	5	reflects	reflect	VERB
easat-5722	246	6	strong	strong	ADJ
easat-5722	246	7	correlations	correlation	NOUN
easat-5722	246	8	among	among	ADP
easat-5722	246	9	variables	variable	NOUN
easat-5722	246	10	,	,	PUNCT
easat-5722	246	11	making	make	VERB
easat-5722	246	12	them	they	PRON
easat-5722	246	13	ideal	ideal	ADJ
easat-5722	246	14	candidates	candidate	NOUN
easat-5722	246	15	for	for	ADP
easat-5722	246	16	structure	structure	NOUN
easat-5722	246	17	detection	detection	NOUN
easat-5722	246	18	.	.	PUNCT
easat-5722	247	1	additionally	additionally	ADV
easat-5722	247	2	,	,	PUNCT
easat-5722	247	3	bartlett	bartlett	PROPN
easat-5722	247	4	’s	’s	PART
easat-5722	247	5	test	test	NOUN
easat-5722	247	6	yielded	yield	VERB
easat-5722	247	7	a	a	DET
easat-5722	247	8	chi	chi	ADJ
easat-5722	247	9	-	-	PUNCT
easat-5722	247	10	square	square	ADJ
easat-5722	247	11	statistic	statistic	NOUN
easat-5722	247	12	of	of	ADP
easat-5722	247	13	1526.121	1526.121	NUM
easat-5722	247	14	with	with	ADP
easat-5722	247	15	a	a	DET
easat-5722	247	16	highly	highly	ADV
easat-5722	247	17	significant	significant	ADJ
easat-5722	247	18	p	p	NOUN
easat-5722	247	19	-	-	PUNCT
easat-5722	247	20	value	value	NOUN
easat-5722	247	21	(	(	PUNCT
easat-5722	247	22	<	<	NOUN
easat-5722	247	23	0.001	0.001	NUM
easat-5722	247	24	)	)	PUNCT
easat-5722	247	25	,	,	PUNCT
easat-5722	247	26	confirming	confirm	VERB
easat-5722	247	27	that	that	SCONJ
easat-5722	247	28	the	the	DET
easat-5722	247	29	correlation	correlation	NOUN
easat-5722	247	30	matrix	matrix	NOUN
easat-5722	247	31	significantly	significantly	ADV
easat-5722	247	32	differs	differ	VERB
easat-5722	247	33	from	from	ADP
easat-5722	247	34	an	an	DET
easat-5722	247	35	identity	identity	NOUN
easat-5722	247	36	matrix	matrix	NOUN
easat-5722	247	37	.	.	PUNCT
easat-5722	248	1	this	this	PRON
easat-5722	248	2	indicates	indicate	VERB
easat-5722	248	3	that	that	SCONJ
easat-5722	248	4	the	the	DET
easat-5722	248	5	dataset	dataset	NOUN
easat-5722	248	6	possesses	possess	VERB
easat-5722	248	7	sufficient	sufficient	ADJ
easat-5722	248	8	intervariable	intervariable	ADJ
easat-5722	248	9	relationships	relationship	NOUN
easat-5722	248	10	,	,	PUNCT
easat-5722	248	11	fulfilling	fulfil	VERB
easat-5722	248	12	a	a	DET
easat-5722	248	13	key	key	ADJ
easat-5722	248	14	condition	condition	NOUN
easat-5722	248	15	for	for	ADP
easat-5722	248	16	conducting	conduct	VERB
easat-5722	248	17	efa	efa	PROPN
easat-5722	248	18	.	.	PUNCT
easat-5722	249	1	the	the	DET
easat-5722	249	2	combination	combination	NOUN
easat-5722	249	3	of	of	ADP
easat-5722	249	4	a	a	DET
easat-5722	249	5	high	high	ADJ
easat-5722	249	6	kmo	kmo	NOUN
easat-5722	249	7	value	value	NOUN
easat-5722	249	8	and	and	CCONJ
easat-5722	249	9	significant	significant	ADJ
easat-5722	249	10	bartlett	bartlett	PROPN
easat-5722	249	11	’s	’s	PART
easat-5722	249	12	test	test	NOUN
easat-5722	249	13	results	result	NOUN
easat-5722	249	14	underscores	underscore	VERB
easat-5722	249	15	the	the	DET
easat-5722	249	16	dataset	dataset	NOUN
easat-5722	249	17	’s	’s	PART
easat-5722	249	18	strong	strong	ADJ
easat-5722	249	19	appropriateness	appropriateness	NOUN
easat-5722	249	20	for	for	ADP
easat-5722	249	21	efa	efa	PROPN
easat-5722	249	22	.	.	PUNCT
easat-5722	250	1	this	this	DET
easat-5722	250	2	technique	technique	NOUN
easat-5722	250	3	will	will	AUX
easat-5722	250	4	enable	enable	VERB
easat-5722	250	5	the	the	DET
easat-5722	250	6	identification	identification	NOUN
easat-5722	250	7	of	of	ADP
easat-5722	250	8	underlying	underlie	VERB
easat-5722	250	9	structures	structure	NOUN
easat-5722	250	10	by	by	ADP
easat-5722	250	11	summarizing	summarize	VERB
easat-5722	250	12	observed	observe	VERB
easat-5722	250	13	variables	variable	NOUN
easat-5722	250	14	into	into	ADP
easat-5722	250	15	fewer	few	ADJ
easat-5722	250	16	factors	factor	NOUN
easat-5722	250	17	based	base	VERB
easat-5722	250	18	on	on	ADP
easat-5722	250	19	shared	share	VERB
easat-5722	250	20	variance	variance	NOUN
easat-5722	250	21	.	.	PUNCT
easat-5722	251	1	to	to	PART
easat-5722	251	2	proceed	proceed	VERB
easat-5722	251	3	with	with	ADP
easat-5722	251	4	efa	efa	PROPN
easat-5722	251	5	,	,	PUNCT
easat-5722	251	6	methods	method	NOUN
easat-5722	251	7	such	such	ADJ
easat-5722	251	8	as	as	ADP
easat-5722	251	9	principal	principal	ADJ
easat-5722	251	10	axis	axis	NOUN
easat-5722	251	11	factoring	factoring	NOUN
easat-5722	251	12	or	or	CCONJ
easat-5722	251	13	maximum	maximum	ADJ
easat-5722	251	14	likelihood	likelihood	NOUN
easat-5722	251	15	estimation	estimation	NOUN
easat-5722	251	16	are	be	AUX
easat-5722	251	17	recommended	recommend	VERB
easat-5722	251	18	.	.	PUNCT
easat-5722	252	1	further	further	ADJ
easat-5722	252	2	evaluations	evaluation	NOUN
easat-5722	252	3	,	,	PUNCT
easat-5722	252	4	including	include	VERB
easat-5722	252	5	eigenvalue	eigenvalue	NOUN
easat-5722	252	6	analysis	analysis	NOUN
easat-5722	252	7	and	and	CCONJ
easat-5722	252	8	scree	scree	ADJ
easat-5722	252	9	plot	plot	NOUN
easat-5722	252	10	inspection	inspection	NOUN
easat-5722	252	11	,	,	PUNCT
easat-5722	252	12	will	will	AUX
easat-5722	252	13	help	help	VERB
easat-5722	252	14	determine	determine	VERB
easat-5722	252	15	the	the	DET
easat-5722	252	16	optimal	optimal	ADJ
easat-5722	252	17	number	number	NOUN
easat-5722	252	18	of	of	ADP
easat-5722	252	19	factors	factor	NOUN
easat-5722	252	20	to	to	PART
easat-5722	252	21	extract	extract	VERB
easat-5722	252	22	.	.	PUNCT
easat-5722	253	1	factor	factor	NOUN
easat-5722	253	2	rotation	rotation	NOUN
easat-5722	253	3	techniques	technique	NOUN
easat-5722	253	4	,	,	PUNCT
easat-5722	253	5	such	such	ADJ
easat-5722	253	6	as	as	ADP
easat-5722	253	7	varimax	varimax	NOUN
easat-5722	253	8	or	or	CCONJ
easat-5722	253	9	promax	promax	NOUN
easat-5722	253	10	,	,	PUNCT
easat-5722	253	11	can	can	AUX
easat-5722	253	12	enhance	enhance	VERB
easat-5722	253	13	interpretability	interpretability	NOUN
easat-5722	253	14	.	.	PUNCT
easat-5722	254	1	in	in	ADP
easat-5722	254	2	conclusion	conclusion	NOUN
easat-5722	254	3	,	,	PUNCT
easat-5722	254	4	the	the	DET
easat-5722	254	5	statistical	statistical	ADJ
easat-5722	254	6	results	result	NOUN
easat-5722	254	7	confirm	confirm	VERB
easat-5722	254	8	that	that	SCONJ
easat-5722	254	9	the	the	DET
easat-5722	254	10	dataset	dataset	NOUN
easat-5722	254	11	is	be	AUX
easat-5722	254	12	well	well	ADV
easat-5722	254	13	-	-	PUNCT
easat-5722	254	14	suited	suit	VERB
easat-5722	254	15	for	for	ADP
easat-5722	254	16	efa	efa	PROPN
easat-5722	254	17	.	.	PUNCT
easat-5722	255	1	the	the	DET
easat-5722	255	2	kmo	kmo	PROPN
easat-5722	255	3	value	value	NOUN
easat-5722	255	4	(	(	PUNCT
easat-5722	255	5	0.813	0.813	NUM
easat-5722	255	6	)	)	PUNCT
easat-5722	255	7	and	and	CCONJ
easat-5722	255	8	bartlett	bartlett	PROPN
easat-5722	255	9	’s	’s	PART
easat-5722	255	10	test	test	NOUN
easat-5722	255	11	(	(	PUNCT
easat-5722	255	12	χ²	χ²	NOUN
easat-5722	255	13	=	=	SYM
easat-5722	255	14	1526.121	1526.121	NUM
easat-5722	255	15	,	,	PUNCT
easat-5722	255	16	p	p	X
easat-5722	255	17	<	<	X
easat-5722	255	18	0.001	0.001	NUM
easat-5722	255	19	)	)	PUNCT
easat-5722	255	20	provide	provide	VERB
easat-5722	255	21	strong	strong	ADJ
easat-5722	255	22	evidence	evidence	NOUN
easat-5722	255	23	for	for	ADP
easat-5722	255	24	conducting	conduct	VERB
easat-5722	255	25	efa	efa	PROPN
easat-5722	255	26	to	to	ADP
easat-5722	255	27	1965	1965	NUM
easat-5722	255	28	edelweiss	edelweiss	PROPN
easat-5722	255	29	applied	apply	VERB
easat-5722	255	30	science	science	NOUN
easat-5722	255	31	and	and	CCONJ
easat-5722	255	32	technology	technology	NOUN
easat-5722	255	33	issn	issn	PROPN
easat-5722	255	34	:	:	PUNCT
easat-5722	255	35	2576	2576	NUM
easat-5722	255	36	-	-	SYM
easat-5722	255	37	8484	8484	NUM
easat-5722	255	38	vol	vol	NOUN
easat-5722	255	39	.	.	PROPN
easat-5722	256	1	9	9	NUM
easat-5722	256	2	,	,	PUNCT
easat-5722	256	3	no	no	INTJ
easat-5722	256	4	.	.	NOUN
easat-5722	257	1	3	3	NUM
easat-5722	257	2	:	:	SYM
easat-5722	257	3	1954	1954	NUM
easat-5722	257	4	-	-	SYM
easat-5722	257	5	1971	1971	NUM
easat-5722	257	6	,	,	PUNCT
easat-5722	257	7	2024	2024	NUM
easat-5722	257	8	doi	doi	NOUN
easat-5722	257	9	:	:	PUNCT
easat-5722	257	10	10.55214/25768484.v9i3.5722	10.55214/25768484.v9i3.5722	NUM
easat-5722	257	11	©	©	PROPN
easat-5722	257	12	2025	2025	NUM
easat-5722	257	13	by	by	ADP
easat-5722	257	14	the	the	DET
easat-5722	257	15	authors	author	NOUN
easat-5722	257	16	;	;	PUNCT
easat-5722	257	17	licensee	licensee	PROPN
easat-5722	257	18	learning	learning	NOUN
easat-5722	257	19	gate	gate	PROPN
easat-5722	257	20	uncover	uncover	NOUN
easat-5722	257	21	latent	latent	NOUN
easat-5722	257	22	structures	structure	NOUN
easat-5722	257	23	within	within	ADP
easat-5722	257	24	the	the	DET
easat-5722	257	25	data	datum	NOUN
easat-5722	257	26	.	.	PUNCT
easat-5722	258	1	next	next	ADJ
easat-5722	258	2	steps	step	NOUN
easat-5722	258	3	should	should	AUX
easat-5722	258	4	involve	involve	VERB
easat-5722	258	5	extracting	extract	VERB
easat-5722	258	6	meaningful	meaningful	ADJ
easat-5722	258	7	factors	factor	NOUN
easat-5722	258	8	and	and	CCONJ
easat-5722	258	9	validating	validate	VERB
easat-5722	258	10	their	their	PRON
easat-5722	258	11	reliability	reliability	NOUN
easat-5722	258	12	through	through	ADP
easat-5722	258	13	confirmatory	confirmatory	ADJ
easat-5722	258	14	factor	factor	NOUN
easat-5722	258	15	analysis	analysis	NOUN
easat-5722	258	16	or	or	CCONJ
easat-5722	258	17	related	related	ADJ
easat-5722	258	18	techniques	technique	NOUN
easat-5722	258	19	.	.	PUNCT
easat-5722	259	1	(	(	PUNCT
easat-5722	259	2	table	table	NOUN
easat-5722	259	3	3	3	NUM
easat-5722	259	4	)	)	PUNCT
easat-5722	259	5	.	.	PUNCT
easat-5722	260	1	table	table	NOUN
easat-5722	260	2	3	3	NUM
easat-5722	260	3	.	.	X
easat-5722	260	4	kmo	kmo	PROPN
easat-5722	260	5	and	and	CCONJ
easat-5722	260	6	barlett	barlett	VERB
easat-5722	260	7	test	test	NOUN
easat-5722	260	8	.	.	PUNCT
easat-5722	261	1	kmo	kmo	PROPN
easat-5722	261	2	0.813	0.813	NUM
easat-5722	261	3	bartlett	bartlett	PROPN
easat-5722	261	4	test	test	PROPN
easat-5722	261	5	chi	chi	NOUN
easat-5722	261	6	-	-	PUNCT
easat-5722	261	7	squared	square	VERB
easat-5722	261	8	1526.121	1526.121	NUM
easat-5722	261	9	h0	h0	NOUN
easat-5722	261	10	(	(	PUNCT
easat-5722	261	11	variables	variable	NOUN
easat-5722	261	12	are	be	AUX
easat-5722	261	13	not	not	PART
easat-5722	261	14	correlated	correlate	VERB
easat-5722	261	15	with	with	ADP
easat-5722	261	16	each	each	DET
easat-5722	261	17	other	other	ADJ
easat-5722	261	18	)	)	PUNCT
easat-5722	262	1	std.dev	std.dev	NOUN
easat-5722	262	2	223	223	NUM
easat-5722	262	3	p	p	ADJ
easat-5722	262	4	-	-	PUNCT
easat-5722	262	5	value	value	NOUN
easat-5722	262	6	0	0	NUM
easat-5722	262	7	table	table	NOUN
easat-5722	262	8	4	4	NUM
easat-5722	262	9	presents	present	VERB
easat-5722	262	10	the	the	DET
easat-5722	262	11	results	result	NOUN
easat-5722	262	12	of	of	ADP
easat-5722	262	13	the	the	DET
easat-5722	262	14	efa	efa	PROPN
easat-5722	262	15	rotated	rotate	VERB
easat-5722	262	16	matrix	matrix	NOUN
easat-5722	262	17	,	,	PUNCT
easat-5722	262	18	revealing	reveal	VERB
easat-5722	262	19	six	six	NUM
easat-5722	262	20	factors	factor	NOUN
easat-5722	262	21	with	with	ADP
easat-5722	262	22	factor	factor	NOUN
easat-5722	262	23	loadings	loading	NOUN
easat-5722	262	24	for	for	ADP
easat-5722	262	25	each	each	DET
easat-5722	262	26	observed	observe	VERB
easat-5722	262	27	variable	variable	NOUN
easat-5722	262	28	.	.	PUNCT
easat-5722	263	1	this	this	DET
easat-5722	263	2	analysis	analysis	NOUN
easat-5722	263	3	helps	helps	AUX
easat-5722	263	4	identify	identify	VERB
easat-5722	263	5	the	the	DET
easat-5722	263	6	latent	latent	NOUN
easat-5722	263	7	structure	structure	NOUN
easat-5722	263	8	of	of	ADP
easat-5722	263	9	the	the	DET
easat-5722	263	10	data	datum	NOUN
easat-5722	263	11	,	,	PUNCT
easat-5722	263	12	clustering	cluster	VERB
easat-5722	263	13	observed	observed	ADJ
easat-5722	263	14	variables	variable	NOUN
easat-5722	263	15	into	into	ADP
easat-5722	263	16	meaningful	meaningful	ADJ
easat-5722	263	17	factors	factor	NOUN
easat-5722	263	18	.	.	PUNCT
easat-5722	264	1	factor	factor	NOUN
easat-5722	264	2	1	1	NUM
easat-5722	264	3	comprises	comprise	VERB
easat-5722	264	4	the	the	DET
easat-5722	264	5	variables	variable	NOUN
easat-5722	264	6	pc1	pc1	PROPN
easat-5722	264	7	(	(	PUNCT
easat-5722	264	8	0.893	0.893	NUM
easat-5722	264	9	)	)	PUNCT
easat-5722	264	10	,	,	PUNCT
easat-5722	264	11	pc2	pc2	NOUN
easat-5722	264	12	(	(	PUNCT
easat-5722	264	13	0.868	0.868	NUM
easat-5722	264	14	)	)	PUNCT
easat-5722	264	15	,	,	PUNCT
easat-5722	264	16	pc3	pc3	PROPN
easat-5722	264	17	(	(	PUNCT
easat-5722	264	18	0.845	0.845	NUM
easat-5722	264	19	)	)	PUNCT
easat-5722	264	20	,	,	PUNCT
easat-5722	264	21	and	and	CCONJ
easat-5722	264	22	pc4	pc4	PRON
easat-5722	264	23	(	(	PUNCT
easat-5722	264	24	0.729	0.729	NUM
easat-5722	264	25	)	)	PUNCT
easat-5722	264	26	.	.	PUNCT
easat-5722	265	1	all	all	DET
easat-5722	265	2	these	these	DET
easat-5722	265	3	variables	variable	NOUN
easat-5722	265	4	have	have	VERB
easat-5722	265	5	high	high	ADJ
easat-5722	265	6	factor	factor	NOUN
easat-5722	265	7	loadings	loading	NOUN
easat-5722	265	8	,	,	PUNCT
easat-5722	265	9	with	with	ADP
easat-5722	265	10	pc1	pc1	PROPN
easat-5722	265	11	having	have	VERB
easat-5722	265	12	the	the	DET
easat-5722	265	13	highest	high	ADJ
easat-5722	265	14	loading	loading	NOUN
easat-5722	265	15	(	(	PUNCT
easat-5722	265	16	0.893	0.893	NUM
easat-5722	265	17	)	)	PUNCT
easat-5722	265	18	,	,	PUNCT
easat-5722	265	19	suggesting	suggest	VERB
easat-5722	265	20	that	that	SCONJ
easat-5722	265	21	it	it	PRON
easat-5722	265	22	best	well	ADV
easat-5722	265	23	represents	represent	VERB
easat-5722	265	24	factor	factor	NOUN
easat-5722	265	25	1	1	NUM
easat-5722	265	26	.	.	PUNCT
easat-5722	266	1	the	the	DET
easat-5722	266	2	uniform	uniform	ADJ
easat-5722	266	3	prefix	prefix	NOUN
easat-5722	266	4	“	"	PUNCT
easat-5722	266	5	pc	pc	NOUN
easat-5722	266	6	”	"	PUNCT
easat-5722	266	7	implies	imply	VERB
easat-5722	266	8	that	that	SCONJ
easat-5722	266	9	these	these	DET
easat-5722	266	10	variables	variable	NOUN
easat-5722	266	11	measure	measure	VERB
easat-5722	266	12	the	the	DET
easat-5722	266	13	same	same	ADJ
easat-5722	266	14	concept	concept	NOUN
easat-5722	266	15	,	,	PUNCT
easat-5722	266	16	making	make	VERB
easat-5722	266	17	it	it	PRON
easat-5722	266	18	logical	logical	ADJ
easat-5722	266	19	to	to	PART
easat-5722	266	20	group	group	VERB
easat-5722	266	21	them	they	PRON
easat-5722	266	22	into	into	ADP
easat-5722	266	23	a	a	DET
easat-5722	266	24	single	single	ADJ
easat-5722	266	25	factor	factor	NOUN
easat-5722	266	26	.	.	PUNCT
easat-5722	267	1	factor	factor	NOUN
easat-5722	267	2	2	2	NUM
easat-5722	267	3	includes	include	VERB
easat-5722	267	4	variables	variable	NOUN
easat-5722	267	5	ebi1	ebi1	PROPN
easat-5722	267	6	(	(	PUNCT
easat-5722	267	7	0.720	0.720	NUM
easat-5722	267	8	)	)	PUNCT
easat-5722	267	9	,	,	PUNCT
easat-5722	267	10	ebi2	ebi2	PROPN
easat-5722	267	11	(	(	PUNCT
easat-5722	267	12	0.837	0.837	NUM
easat-5722	267	13	)	)	PUNCT
easat-5722	267	14	,	,	PUNCT
easat-5722	267	15	ebi3	ebi3	PROPN
easat-5722	267	16	(	(	PUNCT
easat-5722	267	17	0.811	0.811	NUM
easat-5722	267	18	)	)	PUNCT
easat-5722	267	19	,	,	PUNCT
easat-5722	267	20	and	and	CCONJ
easat-5722	267	21	ebi4	ebi4	NOUN
easat-5722	267	22	(	(	PUNCT
easat-5722	267	23	0.848	0.848	NUM
easat-5722	267	24	)	)	PUNCT
easat-5722	267	25	.	.	PUNCT
easat-5722	268	1	these	these	DET
easat-5722	268	2	variables	variable	NOUN
easat-5722	268	3	also	also	ADV
easat-5722	268	4	have	have	VERB
easat-5722	268	5	high	high	ADJ
easat-5722	268	6	loadings	loading	NOUN
easat-5722	268	7	,	,	PUNCT
easat-5722	268	8	with	with	ADP
easat-5722	268	9	ebi4	ebi4	NOUN
easat-5722	268	10	showing	show	VERB
easat-5722	268	11	the	the	DET
easat-5722	268	12	highest	high	ADJ
easat-5722	268	13	(	(	PUNCT
easat-5722	268	14	0.848	0.848	NUM
easat-5722	268	15	)	)	PUNCT
easat-5722	268	16	.	.	PUNCT
easat-5722	269	1	the	the	DET
easat-5722	269	2	common	common	ADJ
easat-5722	269	3	prefix	prefix	NOUN
easat-5722	269	4	“	"	PUNCT
easat-5722	269	5	ebi	ebi	X
easat-5722	269	6	”	"	PUNCT
easat-5722	269	7	indicates	indicate	VERB
easat-5722	269	8	that	that	SCONJ
easat-5722	269	9	these	these	DET
easat-5722	269	10	variables	variable	NOUN
easat-5722	269	11	measure	measure	VERB
easat-5722	269	12	a	a	DET
easat-5722	269	13	similar	similar	ADJ
easat-5722	269	14	construct	construct	NOUN
easat-5722	269	15	,	,	PUNCT
easat-5722	269	16	justifying	justify	VERB
easat-5722	269	17	their	their	PRON
easat-5722	269	18	grouping	grouping	NOUN
easat-5722	269	19	under	under	ADP
easat-5722	269	20	factor	factor	NOUN
easat-5722	269	21	2	2	NUM
easat-5722	269	22	.	.	PUNCT
easat-5722	269	23	factor	factor	NOUN
easat-5722	269	24	3	3	NUM
easat-5722	269	25	aggregates	aggregate	VERB
easat-5722	269	26	the	the	DET
easat-5722	269	27	variables	variable	NOUN
easat-5722	269	28	pfc1	pfc1	ADJ
easat-5722	269	29	(	(	PUNCT
easat-5722	269	30	0.687	0.687	NUM
easat-5722	269	31	)	)	PUNCT
easat-5722	269	32	,	,	PUNCT
easat-5722	269	33	pfc3	pfc3	PROPN
easat-5722	269	34	(	(	PUNCT
easat-5722	269	35	0.703	0.703	NUM
easat-5722	269	36	)	)	PUNCT
easat-5722	269	37	,	,	PUNCT
easat-5722	269	38	pfc4	pfc4	NOUN
easat-5722	269	39	(	(	PUNCT
easat-5722	269	40	0.753	0.753	NUM
easat-5722	269	41	)	)	PUNCT
easat-5722	269	42	,	,	PUNCT
easat-5722	269	43	and	and	CCONJ
easat-5722	269	44	pfc5	pfc5	PROPN
easat-5722	269	45	(	(	PUNCT
easat-5722	269	46	0.773	0.773	NUM
easat-5722	269	47	)	)	PUNCT
easat-5722	269	48	.	.	PUNCT
easat-5722	270	1	although	although	SCONJ
easat-5722	270	2	pfc1	pfc1	PROPN
easat-5722	270	3	’s	’s	PART
easat-5722	270	4	loading	loading	NOUN
easat-5722	270	5	(	(	PUNCT
easat-5722	270	6	0.687	0.687	NUM
easat-5722	270	7	)	)	PUNCT
easat-5722	270	8	is	be	AUX
easat-5722	270	9	slightly	slightly	ADV
easat-5722	270	10	lower	low	ADJ
easat-5722	270	11	,	,	PUNCT
easat-5722	270	12	it	it	PRON
easat-5722	270	13	still	still	ADV
easat-5722	270	14	surpasses	surpass	VERB
easat-5722	270	15	the	the	DET
easat-5722	270	16	acceptable	acceptable	ADJ
easat-5722	270	17	threshold	threshold	NOUN
easat-5722	270	18	of	of	ADP
easat-5722	270	19	0.6	0.6	NUM
easat-5722	270	20	in	in	ADP
easat-5722	270	21	factor	factor	NOUN
easat-5722	270	22	analysis	analysis	NOUN
easat-5722	270	23	.	.	PUNCT
easat-5722	271	1	the	the	DET
easat-5722	271	2	remaining	remain	VERB
easat-5722	271	3	variables	variable	NOUN
easat-5722	271	4	have	have	VERB
easat-5722	271	5	loadings	loading	NOUN
easat-5722	271	6	above	above	ADP
easat-5722	271	7	0.7	0.7	NUM
easat-5722	271	8	,	,	PUNCT
easat-5722	271	9	with	with	ADP
easat-5722	271	10	pfc5	pfc5	NOUN
easat-5722	271	11	showing	show	VERB
easat-5722	271	12	the	the	DET
easat-5722	271	13	highest	high	ADJ
easat-5722	271	14	(	(	PUNCT
easat-5722	271	15	0.773	0.773	NUM
easat-5722	271	16	)	)	PUNCT
easat-5722	271	17	.	.	PUNCT
easat-5722	272	1	factor	factor	NOUN
easat-5722	272	2	4	4	NUM
easat-5722	272	3	contains	contain	VERB
easat-5722	272	4	variables	variable	NOUN
easat-5722	272	5	pu3	pu3	PROPN
easat-5722	272	6	(	(	PUNCT
easat-5722	272	7	0.787	0.787	NUM
easat-5722	272	8	)	)	PUNCT
easat-5722	272	9	,	,	PUNCT
easat-5722	272	10	pu4	pu4	X
easat-5722	272	11	(	(	PUNCT
easat-5722	272	12	0.600	0.600	NUM
easat-5722	272	13	)	)	PUNCT
easat-5722	272	14	,	,	PUNCT
easat-5722	272	15	and	and	CCONJ
easat-5722	272	16	pu5	pu5	NOUN
easat-5722	272	17	(	(	PUNCT
easat-5722	272	18	0.824	0.824	NUM
easat-5722	272	19	)	)	PUNCT
easat-5722	272	20	.	.	PUNCT
easat-5722	273	1	notably	notably	ADV
easat-5722	273	2	,	,	PUNCT
easat-5722	273	3	pu4	pu4	NOUN
easat-5722	273	4	has	have	VERB
easat-5722	273	5	the	the	DET
easat-5722	273	6	lowest	low	ADJ
easat-5722	273	7	loading	loading	NOUN
easat-5722	273	8	(	(	PUNCT
easat-5722	273	9	0.600	0.600	NUM
easat-5722	273	10	)	)	PUNCT
easat-5722	273	11	,	,	PUNCT
easat-5722	273	12	yet	yet	CCONJ
easat-5722	273	13	it	it	PRON
easat-5722	273	14	still	still	ADV
easat-5722	273	15	meets	meet	VERB
easat-5722	273	16	the	the	DET
easat-5722	273	17	acceptable	acceptable	ADJ
easat-5722	273	18	threshold	threshold	NOUN
easat-5722	273	19	.	.	PUNCT
easat-5722	274	1	pu5	pu5	VERB
easat-5722	274	2	’s	’s	PART
easat-5722	274	3	loading	loading	NOUN
easat-5722	274	4	(	(	PUNCT
easat-5722	274	5	0.824	0.824	NUM
easat-5722	274	6	)	)	PUNCT
easat-5722	274	7	suggests	suggest	VERB
easat-5722	274	8	it	it	PRON
easat-5722	274	9	best	well	ADV
easat-5722	274	10	represents	represent	VERB
easat-5722	274	11	this	this	DET
easat-5722	274	12	factor	factor	NOUN
easat-5722	274	13	.	.	PUNCT
easat-5722	275	1	factor	factor	NOUN
easat-5722	275	2	5	5	NUM
easat-5722	275	3	comprises	comprise	VERB
easat-5722	275	4	pt1	pt1	PROPN
easat-5722	275	5	(	(	PUNCT
easat-5722	275	6	0.739	0.739	NUM
easat-5722	275	7	)	)	PUNCT
easat-5722	275	8	,	,	PUNCT
easat-5722	275	9	pt2	pt2	PROPN
easat-5722	275	10	(	(	PUNCT
easat-5722	275	11	0.800	0.800	NUM
easat-5722	275	12	)	)	PUNCT
easat-5722	275	13	,	,	PUNCT
easat-5722	275	14	and	and	CCONJ
easat-5722	275	15	pt3	pt3	NOUN
easat-5722	275	16	(	(	PUNCT
easat-5722	275	17	0.702	0.702	NUM
easat-5722	275	18	)	)	PUNCT
easat-5722	275	19	.	.	PUNCT
easat-5722	276	1	pt2	pt2	PROPN
easat-5722	276	2	has	have	VERB
easat-5722	276	3	the	the	DET
easat-5722	276	4	highest	high	ADJ
easat-5722	276	5	loading	loading	NOUN
easat-5722	276	6	(	(	PUNCT
easat-5722	276	7	0.800	0.800	NUM
easat-5722	276	8	)	)	PUNCT
easat-5722	276	9	,	,	PUNCT
easat-5722	276	10	while	while	SCONJ
easat-5722	276	11	pt3	pt3	NOUN
easat-5722	276	12	shows	show	VERB
easat-5722	276	13	the	the	DET
easat-5722	276	14	lowest	low	ADJ
easat-5722	276	15	(	(	PUNCT
easat-5722	276	16	0.702	0.702	NUM
easat-5722	276	17	)	)	PUNCT
easat-5722	276	18	,	,	PUNCT
easat-5722	276	19	but	but	CCONJ
easat-5722	276	20	remains	remain	VERB
easat-5722	276	21	within	within	ADP
easat-5722	276	22	an	an	DET
easat-5722	276	23	acceptable	acceptable	ADJ
easat-5722	276	24	range	range	NOUN
easat-5722	276	25	.	.	PUNCT
easat-5722	277	1	the	the	DET
easat-5722	277	2	shared	share	VERB
easat-5722	277	3	prefix	prefix	NOUN
easat-5722	277	4	“	"	PUNCT
easat-5722	277	5	pt	pt	INTJ
easat-5722	277	6	”	"	PUNCT
easat-5722	277	7	implies	imply	VERB
easat-5722	277	8	that	that	SCONJ
easat-5722	277	9	these	these	DET
easat-5722	277	10	variables	variable	NOUN
easat-5722	277	11	assess	assess	VERB
easat-5722	277	12	a	a	DET
easat-5722	277	13	common	common	ADJ
easat-5722	277	14	underlying	underlie	VERB
easat-5722	277	15	construct	construct	NOUN
easat-5722	277	16	.	.	PUNCT
easat-5722	278	1	factor	factor	NOUN
easat-5722	278	2	6	6	NUM
easat-5722	278	3	includes	include	VERB
easat-5722	278	4	pr1	pr1	NOUN
easat-5722	278	5	(	(	PUNCT
easat-5722	278	6	0.774	0.774	NUM
easat-5722	278	7	)	)	PUNCT
easat-5722	278	8	,	,	PUNCT
easat-5722	278	9	pr2	pr2	NOUN
easat-5722	278	10	(	(	PUNCT
easat-5722	278	11	0.876	0.876	NUM
easat-5722	278	12	)	)	PUNCT
easat-5722	278	13	,	,	PUNCT
easat-5722	278	14	and	and	CCONJ
easat-5722	278	15	pr3	pr3	NOUN
easat-5722	278	16	(	(	PUNCT
easat-5722	278	17	0.815	0.815	NUM
easat-5722	278	18	)	)	PUNCT
easat-5722	278	19	.	.	PUNCT
easat-5722	279	1	pr2	pr2	NOUN
easat-5722	279	2	’s	’s	PART
easat-5722	279	3	loading	loading	NOUN
easat-5722	279	4	(	(	PUNCT
easat-5722	279	5	0.876	0.876	NOUN
easat-5722	279	6	)	)	PUNCT
easat-5722	279	7	is	be	AUX
easat-5722	279	8	the	the	DET
easat-5722	279	9	highest	high	ADJ
easat-5722	279	10	,	,	PUNCT
easat-5722	279	11	suggesting	suggest	VERB
easat-5722	279	12	it	it	PRON
easat-5722	279	13	is	be	AUX
easat-5722	279	14	the	the	DET
easat-5722	279	15	best	good	ADJ
easat-5722	279	16	representation	representation	NOUN
easat-5722	279	17	of	of	ADP
easat-5722	279	18	this	this	DET
easat-5722	279	19	factor	factor	NOUN
easat-5722	279	20	.	.	PUNCT
easat-5722	280	1	all	all	DET
easat-5722	280	2	variables	variable	NOUN
easat-5722	280	3	have	have	VERB
easat-5722	280	4	high	high	ADJ
easat-5722	280	5	loadings	loading	NOUN
easat-5722	280	6	,	,	PUNCT
easat-5722	280	7	indicating	indicate	VERB
easat-5722	280	8	a	a	DET
easat-5722	280	9	reliable	reliable	ADJ
easat-5722	280	10	factor	factor	NOUN
easat-5722	280	11	.	.	PUNCT
easat-5722	281	1	the	the	DET
easat-5722	281	2	efa	efa	PROPN
easat-5722	281	3	results	result	NOUN
easat-5722	281	4	display	display	VERB
easat-5722	281	5	a	a	DET
easat-5722	281	6	clear	clear	ADJ
easat-5722	281	7	factor	factor	NOUN
easat-5722	281	8	structure	structure	NOUN
easat-5722	281	9	,	,	PUNCT
easat-5722	281	10	with	with	ADP
easat-5722	281	11	observed	observed	ADJ
easat-5722	281	12	variables	variable	NOUN
easat-5722	281	13	grouped	group	VERB
easat-5722	281	14	according	accord	VERB
easat-5722	281	15	to	to	ADP
easat-5722	281	16	their	their	PRON
easat-5722	281	17	prefixes	prefix	NOUN
easat-5722	281	18	.	.	PUNCT
easat-5722	282	1	this	this	PRON
easat-5722	282	2	demonstrates	demonstrate	VERB
easat-5722	282	3	consistency	consistency	NOUN
easat-5722	282	4	between	between	ADP
easat-5722	282	5	the	the	DET
easat-5722	282	6	theoretical	theoretical	ADJ
easat-5722	282	7	framework	framework	NOUN
easat-5722	282	8	and	and	CCONJ
easat-5722	282	9	the	the	DET
easat-5722	282	10	empirical	empirical	ADJ
easat-5722	282	11	data	datum	NOUN
easat-5722	282	12	.	.	PUNCT
easat-5722	283	1	no	no	DET
easat-5722	283	2	variables	variable	NOUN
easat-5722	283	3	exhibit	exhibit	VERB
easat-5722	283	4	cross	cross	NOUN
easat-5722	283	5	-	-	NOUN
easat-5722	283	6	loadings	loading	NOUN
easat-5722	283	7	,	,	PUNCT
easat-5722	283	8	meaning	mean	VERB
easat-5722	283	9	each	each	DET
easat-5722	283	10	variable	variable	NOUN
easat-5722	283	11	loads	load	VERB
easat-5722	283	12	strongly	strongly	ADV
easat-5722	283	13	onto	onto	ADP
easat-5722	283	14	only	only	ADV
easat-5722	283	15	one	one	NUM
easat-5722	283	16	factor	factor	NOUN
easat-5722	283	17	,	,	PUNCT
easat-5722	283	18	increasing	increase	VERB
easat-5722	283	19	the	the	DET
easat-5722	283	20	discriminant	discriminant	ADJ
easat-5722	283	21	validity	validity	NOUN
easat-5722	283	22	of	of	ADP
easat-5722	283	23	the	the	DET
easat-5722	283	24	factors	factor	NOUN
easat-5722	283	25	.	.	PUNCT
easat-5722	284	1	1966	1966	NUM
easat-5722	284	2	edelweiss	edelweiss	PROPN
easat-5722	284	3	applied	apply	VERB
easat-5722	284	4	science	science	NOUN
easat-5722	284	5	and	and	CCONJ
easat-5722	284	6	technology	technology	NOUN
easat-5722	284	7	issn	issn	PROPN
easat-5722	284	8	:	:	PUNCT
easat-5722	284	9	2576	2576	NUM
easat-5722	284	10	-	-	SYM
easat-5722	284	11	8484	8484	NUM
easat-5722	284	12	vol	vol	NOUN
easat-5722	284	13	.	.	PROPN
easat-5722	285	1	9	9	NUM
easat-5722	285	2	,	,	PUNCT
easat-5722	285	3	no	no	INTJ
easat-5722	285	4	.	.	NOUN
easat-5722	286	1	3	3	NUM
easat-5722	286	2	:	:	SYM
easat-5722	286	3	1954	1954	NUM
easat-5722	286	4	-	-	SYM
easat-5722	286	5	1971	1971	NUM
easat-5722	286	6	,	,	PUNCT
easat-5722	286	7	2024	2024	NUM
easat-5722	286	8	doi	doi	NOUN
easat-5722	286	9	:	:	PUNCT
easat-5722	286	10	10.55214/25768484.v9i3.5722	10.55214/25768484.v9i3.5722	NUM
easat-5722	286	11	©	©	PROPN
easat-5722	286	12	2025	2025	NUM
easat-5722	286	13	by	by	ADP
easat-5722	286	14	the	the	DET
easat-5722	286	15	authors	author	NOUN
easat-5722	286	16	;	;	PUNCT
easat-5722	286	17	licensee	licensee	PROPN
easat-5722	286	18	learning	learn	VERB
easat-5722	286	19	gate	gate	NOUN
easat-5722	286	20	table	table	NOUN
easat-5722	286	21	4	4	NUM
easat-5722	286	22	.	.	PUNCT
easat-5722	286	23	rotated	rotate	VERB
easat-5722	286	24	matrix	matrix	NOUN
easat-5722	286	25	in	in	ADP
easat-5722	286	26	exploratory	exploratory	ADJ
easat-5722	286	27	factor	factor	NOUN
easat-5722	286	28	analysis	analysis	NOUN
easat-5722	286	29	(	(	PUNCT
easat-5722	286	30	efa	efa	PROPN
easat-5722	286	31	)	)	PUNCT
easat-5722	286	32	.	.	PUNCT
easat-5722	287	1	component	component	NOUN
easat-5722	287	2	1	1	NUM
easat-5722	287	3	2	2	NUM
easat-5722	287	4	3	3	NUM
easat-5722	287	5	4	4	NUM
easat-5722	287	6	5	5	NUM
easat-5722	287	7	6	6	NUM
easat-5722	287	8	pc1	pc1	NOUN
easat-5722	287	9	0.893	0.893	NUM
easat-5722	287	10	pc2	pc2	NOUN
easat-5722	287	11	0.868	0.868	NUM
easat-5722	287	12	pc3	pc3	PROPN
easat-5722	287	13	0.845	0.845	NUM
easat-5722	287	14	pc4	pc4	PROPN
easat-5722	287	15	0.729	0.729	NUM
easat-5722	287	16	pu3	pu3	NOUN
easat-5722	287	17	0.787	0.787	NUM
easat-5722	287	18	pu4	pu4	VERB
easat-5722	287	19	0.600	0.600	NUM
easat-5722	287	20	pu5	pu5	VERB
easat-5722	287	21	0.824	0.824	NUM
easat-5722	287	22	pr1	pr1	NOUN
easat-5722	287	23	0.774	0.774	NUM
easat-5722	287	24	pr2	pr2	NOUN
easat-5722	287	25	0.876	0.876	NUM
easat-5722	287	26	pr3	pr3	NOUN
easat-5722	287	27	0.815	0.815	NUM
easat-5722	287	28	pfc1	pfc1	ADJ
easat-5722	287	29	0.687	0.687	NUM
easat-5722	287	30	pfc3	pfc3	PROPN
easat-5722	287	31	0.703	0.703	NUM
easat-5722	287	32	pfc4	pfc4	NOUN
easat-5722	287	33	0.753	0.753	NUM
easat-5722	287	34	pfc5	pfc5	PROPN
easat-5722	287	35	0.773	0.773	NUM
easat-5722	287	36	bbi1	bbi1	PROPN
easat-5722	287	37	0.720	0.720	NUM
easat-5722	287	38	bbi2	bbi2	PROPN
easat-5722	287	39	0.837	0.837	NUM
easat-5722	287	40	bbi3	bbi3	NOUN
easat-5722	287	41	0.811	0.811	NUM
easat-5722	287	42	bbi4	bbi4	PROPN
easat-5722	287	43	0.848	0.848	NUM
easat-5722	287	44	pt1	pt1	PROPN
easat-5722	287	45	0.739	0.739	NUM
easat-5722	287	46	pt2	pt2	PROPN
easat-5722	287	47	0.800	0.800	NUM
easat-5722	287	48	pt3	pt3	NOUN
easat-5722	287	49	0.702	0.702	NUM
easat-5722	287	50	3.3	3.3	NUM
easat-5722	287	51	.	.	PUNCT
easat-5722	288	1	regression	regression	NOUN
easat-5722	288	2	results	result	NOUN
easat-5722	288	3	based	base	VERB
easat-5722	288	4	on	on	ADP
easat-5722	288	5	the	the	DET
easat-5722	288	6	"	"	PUNCT
easat-5722	288	7	theoretical	theoretical	ADJ
easat-5722	288	8	research	research	NOUN
easat-5722	288	9	model	model	NOUN
easat-5722	288	10	,	,	PUNCT
easat-5722	288	11	"	"	PUNCT
easat-5722	288	12	this	this	DET
easat-5722	288	13	study	study	NOUN
easat-5722	288	14	employs	employ	VERB
easat-5722	288	15	multiple	multiple	ADJ
easat-5722	288	16	regression	regression	NOUN
easat-5722	288	17	analysis	analysis	NOUN
easat-5722	288	18	to	to	PART
easat-5722	288	19	illustrate	illustrate	VERB
easat-5722	288	20	the	the	DET
easat-5722	288	21	relationship	relationship	NOUN
easat-5722	288	22	between	between	ADP
easat-5722	288	23	the	the	DET
easat-5722	288	24	dependent	dependent	ADJ
easat-5722	288	25	variable	variable	NOUN
easat-5722	288	26	and	and	CCONJ
easat-5722	288	27	the	the	DET
easat-5722	288	28	independent	independent	ADJ
easat-5722	288	29	variables	variable	NOUN
easat-5722	288	30	.	.	PUNCT
easat-5722	289	1	yd=	yd=	NOUN
easat-5722	289	2	β1*pc	β1*pc	PUNCT
easat-5722	290	1	+	+	CCONJ
easat-5722	290	2	β2*pu+	β2*pu+	ADJ
easat-5722	290	3	β3*pfc	β3*pfc	NOUN
easat-5722	290	4	+	+	CCONJ
easat-5722	290	5	β4*pr	β4*pr	PUNCT
easat-5722	291	1	+	+	PUNCT
easat-5722	292	1	β5*pt	β5*pt	ADJ
easat-5722	292	2	+	+	CCONJ
easat-5722	292	3	β6*bbi	β6*bbi	ADJ
easat-5722	292	4	where	where	SCONJ
easat-5722	292	5	:	:	PUNCT
easat-5722	292	6	independent	independent	ADJ
easat-5722	292	7	variables	variable	NOUN
easat-5722	292	8	(	(	PUNCT
easat-5722	292	9	xi	xi	ADJ
easat-5722	292	10	):	):	PUNCT
easat-5722	292	11	pc	pc	NOUN
easat-5722	292	12	,	,	PUNCT
easat-5722	292	13	pu	pu	PROPN
easat-5722	292	14	,	,	PUNCT
easat-5722	292	15	pfc	pfc	NOUN
easat-5722	292	16	,	,	PUNCT
easat-5722	292	17	pr	pr	NOUN
easat-5722	292	18	,	,	PUNCT
easat-5722	292	19	pt	pt	PROPN
easat-5722	292	20	,	,	PUNCT
easat-5722	292	21	bbi	bbi	ADJ
easat-5722	292	22	;	;	PUNCT
easat-5722	292	23	dependent	dependent	ADJ
easat-5722	292	24	variable	variable	NOUN
easat-5722	292	25	(	(	PUNCT
easat-5722	292	26	βi	βi	PROPN
easat-5722	292	27	):	):	PUNCT
easat-5722	292	28	yd	yd	NOUN
easat-5722	292	29	table	table	NOUN
easat-5722	292	30	5	5	NUM
easat-5722	292	31	displays	display	VERB
easat-5722	292	32	the	the	DET
easat-5722	292	33	results	result	NOUN
easat-5722	292	34	of	of	ADP
easat-5722	292	35	the	the	DET
easat-5722	292	36	linear	linear	ADJ
easat-5722	292	37	regression	regression	NOUN
easat-5722	292	38	analysis	analysis	NOUN
easat-5722	292	39	,	,	PUNCT
easat-5722	292	40	with	with	ADP
easat-5722	292	41	the	the	DET
easat-5722	292	42	independent	independent	ADJ
easat-5722	292	43	variables	variable	NOUN
easat-5722	292	44	being	be	AUX
easat-5722	292	45	fc	fc	PROPN
easat-5722	292	46	,	,	PUNCT
easat-5722	292	47	pu	pu	PROPN
easat-5722	292	48	,	,	PUNCT
easat-5722	292	49	pfc	pfc	NOUN
easat-5722	292	50	,	,	PUNCT
easat-5722	292	51	pr	pr	NOUN
easat-5722	292	52	,	,	PUNCT
easat-5722	292	53	pt	pt	NOUN
easat-5722	292	54	,	,	PUNCT
easat-5722	292	55	and	and	CCONJ
easat-5722	292	56	ebi	ebi	NOUN
easat-5722	292	57	.	.	PUNCT
easat-5722	293	1	each	each	DET
easat-5722	293	2	variable	variable	NOUN
easat-5722	293	3	significantly	significantly	ADV
easat-5722	293	4	contributes	contribute	VERB
easat-5722	293	5	to	to	ADP
easat-5722	293	6	the	the	DET
easat-5722	293	7	model	model	NOUN
easat-5722	293	8	at	at	ADP
easat-5722	293	9	varying	vary	VERB
easat-5722	293	10	levels	level	NOUN
easat-5722	293	11	of	of	ADP
easat-5722	293	12	statistical	statistical	ADJ
easat-5722	293	13	significance	significance	NOUN
easat-5722	293	14	.	.	PUNCT
easat-5722	294	1	the	the	DET
easat-5722	294	2	standardized	standardized	ADJ
easat-5722	294	3	regression	regression	NOUN
easat-5722	294	4	coefficients	coefficient	NOUN
easat-5722	294	5	(	(	PUNCT
easat-5722	294	6	beta	beta	NOUN
easat-5722	294	7	)	)	PUNCT
easat-5722	294	8	indicate	indicate	VERB
easat-5722	294	9	the	the	DET
easat-5722	294	10	relative	relative	ADJ
easat-5722	294	11	importance	importance	NOUN
easat-5722	294	12	of	of	ADP
easat-5722	294	13	each	each	DET
easat-5722	294	14	variable	variable	NOUN
easat-5722	294	15	in	in	ADP
easat-5722	294	16	predicting	predict	VERB
easat-5722	294	17	the	the	DET
easat-5722	294	18	dependent	dependent	ADJ
easat-5722	294	19	variable	variable	NOUN
easat-5722	294	20	.	.	PUNCT
easat-5722	295	1	pu	pu	PROPN
easat-5722	295	2	has	have	VERB
easat-5722	295	3	the	the	DET
easat-5722	295	4	highest	high	ADJ
easat-5722	295	5	beta	beta	ADJ
easat-5722	295	6	coefficient	coefficient	NOUN
easat-5722	295	7	(	(	PUNCT
easat-5722	295	8	0.468	0.468	NUM
easat-5722	295	9	)	)	PUNCT
easat-5722	295	10	,	,	PUNCT
easat-5722	295	11	suggesting	suggest	VERB
easat-5722	295	12	it	it	PRON
easat-5722	295	13	is	be	AUX
easat-5722	295	14	the	the	DET
easat-5722	295	15	most	most	ADV
easat-5722	295	16	influential	influential	ADJ
easat-5722	295	17	variable	variable	NOUN
easat-5722	295	18	.	.	PUNCT
easat-5722	296	1	pt	pt	PROPN
easat-5722	296	2	follows	follow	VERB
easat-5722	296	3	(	(	PUNCT
easat-5722	296	4	0.289	0.289	NUM
easat-5722	296	5	)	)	PUNCT
easat-5722	296	6	,	,	PUNCT
easat-5722	296	7	then	then	ADV
easat-5722	296	8	pr	pr	X
easat-5722	296	9	(	(	PUNCT
easat-5722	296	10	0.242	0.242	NUM
easat-5722	296	11	)	)	PUNCT
easat-5722	296	12	,	,	PUNCT
easat-5722	296	13	fc	fc	X
easat-5722	296	14	(	(	PUNCT
easat-5722	296	15	0.211	0.211	NUM
easat-5722	296	16	)	)	PUNCT
easat-5722	296	17	,	,	PUNCT
easat-5722	296	18	pfc	pfc	NOUN
easat-5722	296	19	(	(	PUNCT
easat-5722	296	20	0.141	0.141	NUM
easat-5722	296	21	)	)	PUNCT
easat-5722	296	22	,	,	PUNCT
easat-5722	296	23	and	and	CCONJ
easat-5722	296	24	finally	finally	ADV
easat-5722	296	25	ebi	ebi	X
easat-5722	296	26	(	(	PUNCT
easat-5722	296	27	0.089	0.089	NUM
easat-5722	296	28	)	)	PUNCT
easat-5722	296	29	.	.	PUNCT
easat-5722	297	1	this	this	PRON
easat-5722	297	2	suggests	suggest	VERB
easat-5722	297	3	that	that	SCONJ
easat-5722	297	4	pu	pu	PROPN
easat-5722	297	5	is	be	AUX
easat-5722	297	6	the	the	DET
easat-5722	297	7	most	most	ADV
easat-5722	297	8	critical	critical	ADJ
easat-5722	297	9	predictor	predictor	NOUN
easat-5722	297	10	in	in	ADP
easat-5722	297	11	the	the	DET
easat-5722	297	12	model	model	NOUN
easat-5722	297	13	.	.	PUNCT
easat-5722	298	1	all	all	DET
easat-5722	298	2	variables	variable	NOUN
easat-5722	298	3	are	be	AUX
easat-5722	298	4	statistically	statistically	ADV
easat-5722	298	5	significant	significant	ADJ
easat-5722	298	6	,	,	PUNCT
easat-5722	298	7	with	with	ADP
easat-5722	298	8	p	p	NOUN
easat-5722	298	9	-	-	PUNCT
easat-5722	298	10	values	value	NOUN
easat-5722	298	11	less	less	ADJ
easat-5722	298	12	than	than	ADP
easat-5722	298	13	0.05	0.05	NUM
easat-5722	298	14	.	.	PUNCT
easat-5722	299	1	four	four	NUM
easat-5722	299	2	variables	variable	NOUN
easat-5722	299	3	(	(	PUNCT
easat-5722	299	4	fc	fc	INTJ
easat-5722	299	5	,	,	PUNCT
easat-5722	299	6	pu	pu	PROPN
easat-5722	299	7	,	,	PUNCT
easat-5722	299	8	pr	pr	NOUN
easat-5722	299	9	,	,	PUNCT
easat-5722	299	10	and	and	CCONJ
easat-5722	299	11	pt	pt	X
easat-5722	299	12	)	)	PUNCT
easat-5722	299	13	have	have	VERB
easat-5722	299	14	high	high	ADJ
easat-5722	299	15	levels	level	NOUN
easat-5722	299	16	of	of	ADP
easat-5722	299	17	significance	significance	NOUN
easat-5722	299	18	(	(	PUNCT
easat-5722	299	19	p	p	X
easat-5722	299	20	<	<	X
easat-5722	299	21	0.001	0.001	NUM
easat-5722	299	22	)	)	PUNCT
easat-5722	299	23	,	,	PUNCT
easat-5722	299	24	while	while	SCONJ
easat-5722	299	25	pfc	pfc	NOUN
easat-5722	299	26	has	have	VERB
easat-5722	299	27	p	p	NOUN
easat-5722	299	28	=	=	NOUN
easat-5722	299	29	0.012	0.012	NUM
easat-5722	299	30	,	,	PUNCT
easat-5722	299	31	and	and	CCONJ
easat-5722	299	32	ebi	ebi	NOUN
easat-5722	299	33	has	have	VERB
easat-5722	299	34	p	p	NOUN
easat-5722	299	35	=	=	SYM
easat-5722	299	36	0.023	0.023	NUM
easat-5722	299	37	.	.	PUNCT
easat-5722	300	1	the	the	DET
easat-5722	300	2	variance	variance	NOUN
easat-5722	300	3	inflation	inflation	NOUN
easat-5722	300	4	factor	factor	NOUN
easat-5722	300	5	(	(	PUNCT
easat-5722	300	6	vif	vif	PROPN
easat-5722	300	7	)	)	PUNCT
easat-5722	300	8	for	for	ADP
easat-5722	300	9	all	all	DET
easat-5722	300	10	variables	variable	NOUN
easat-5722	300	11	equals	equal	VERB
easat-5722	300	12	1.000	1.000	NUM
easat-5722	300	13	,	,	PUNCT
easat-5722	300	14	indicating	indicate	VERB
easat-5722	300	15	no	no	DET
easat-5722	300	16	multicollinearity	multicollinearity	NOUN
easat-5722	300	17	issues	issue	NOUN
easat-5722	300	18	in	in	ADP
easat-5722	300	19	the	the	DET
easat-5722	300	20	model	model	NOUN
easat-5722	300	21	.	.	PUNCT
easat-5722	301	1	this	this	PRON
easat-5722	301	2	is	be	AUX
easat-5722	301	3	crucial	crucial	ADJ
easat-5722	301	4	,	,	PUNCT
easat-5722	301	5	as	as	SCONJ
easat-5722	301	6	multicollinearity	multicollinearity	NOUN
easat-5722	301	7	can	can	AUX
easat-5722	301	8	undermine	undermine	VERB
easat-5722	301	9	the	the	DET
easat-5722	301	10	reliability	reliability	NOUN
easat-5722	301	11	of	of	ADP
easat-5722	301	12	regression	regression	NOUN
easat-5722	301	13	coefficients	coefficient	NOUN
easat-5722	301	14	.	.	PUNCT
easat-5722	302	1	1967	1967	NUM
easat-5722	302	2	edelweiss	edelweiss	PROPN
easat-5722	302	3	applied	apply	VERB
easat-5722	302	4	science	science	NOUN
easat-5722	302	5	and	and	CCONJ
easat-5722	302	6	technology	technology	NOUN
easat-5722	302	7	issn	issn	PROPN
easat-5722	302	8	:	:	PUNCT
easat-5722	302	9	2576	2576	NUM
easat-5722	302	10	-	-	SYM
easat-5722	302	11	8484	8484	NUM
easat-5722	302	12	vol	vol	NOUN
easat-5722	302	13	.	.	PROPN
easat-5722	303	1	9	9	NUM
easat-5722	303	2	,	,	PUNCT
easat-5722	303	3	no	no	INTJ
easat-5722	303	4	.	.	NOUN
easat-5722	304	1	3	3	NUM
easat-5722	304	2	:	:	SYM
easat-5722	304	3	1954	1954	NUM
easat-5722	304	4	-	-	SYM
easat-5722	304	5	1971	1971	NUM
easat-5722	304	6	,	,	PUNCT
easat-5722	304	7	2024	2024	NUM
easat-5722	304	8	doi	doi	NOUN
easat-5722	304	9	:	:	PUNCT
easat-5722	304	10	10.55214/25768484.v9i3.5722	10.55214/25768484.v9i3.5722	NUM
easat-5722	304	11	©	©	PROPN
easat-5722	304	12	2025	2025	NUM
easat-5722	304	13	by	by	ADP
easat-5722	304	14	the	the	DET
easat-5722	304	15	authors	author	NOUN
easat-5722	304	16	;	;	PUNCT
easat-5722	304	17	licensee	licensee	PROPN
easat-5722	304	18	learning	learn	VERB
easat-5722	304	19	gate	gate	NOUN
easat-5722	304	20	table	table	NOUN
easat-5722	304	21	5	5	NUM
easat-5722	304	22	.	.	PUNCT
easat-5722	304	23	regression	regression	NOUN
easat-5722	304	24	model	model	NOUN
easat-5722	304	25	results	result	NOUN
easat-5722	304	26	.	.	PUNCT
easat-5722	305	1	unstandardized	unstandardized	ADJ
easat-5722	305	2	coefficient	coefficient	NOUN
easat-5722	305	3	standardized	standardize	VERB
easat-5722	305	4	coefficient	coefficient	NOUN
easat-5722	305	5	t	t	PROPN
easat-5722	305	6	sig	sig	PROPN
easat-5722	305	7	.	.	PUNCT
easat-5722	306	1	multicollinearity	multicollinearity	NOUN
easat-5722	306	2	statistics	statistic	NOUN
easat-5722	306	3	b	b	PROPN
easat-5722	306	4	standard	standard	ADJ
easat-5722	306	5	error	error	NOUN
easat-5722	306	6	beta	beta	NOUN
easat-5722	306	7	acceptance	acceptance	NOUN
easat-5722	306	8	level	level	NOUN
easat-5722	306	9	vif	vif	NOUN
easat-5722	306	10	constant	constant	ADJ
easat-5722	306	11	0.056	0.056	NUM
easat-5722	306	12	0.000	0.000	NUM
easat-5722	306	13	1.000	1.000	NUM
easat-5722	306	14	pc	pc	NOUN
easat-5722	306	15	0.056	0.056	NUM
easat-5722	306	16	0.211	0.211	NUM
easat-5722	306	17	5.111	5.111	NUM
easat-5722	306	18	0.000	0.000	NUM
easat-5722	306	19	1.000	1.000	NUM
easat-5722	306	20	1.000	1.000	NUM
easat-5722	306	21	pu	pu	PROPN
easat-5722	306	22	0.056	0.056	NUM
easat-5722	306	23	0.468	0.468	NUM
easat-5722	306	24	8.672	8.672	NUM
easat-5722	306	25	0.000	0.000	NUM
easat-5722	306	26	1.000	1.000	NUM
easat-5722	306	27	1.000	1.000	NUM
easat-5722	306	28	pfc	pfc	NOUN
easat-5722	306	29	0.056	0.056	NUM
easat-5722	306	30	0.141	0.141	NUM
easat-5722	306	31	2.49	2.49	NUM
easat-5722	306	32	0.012	0.012	NUM
easat-5722	306	33	1.000	1.000	NUM
easat-5722	306	34	1.000	1.000	NUM
easat-5722	306	35	pr	pr	NOUN
easat-5722	306	36	0.056	0.056	NUM
easat-5722	306	37	0.242	0.242	NUM
easat-5722	306	38	4.299	4.299	NUM
easat-5722	306	39	0.000	0.000	NUM
easat-5722	306	40	1.000	1.000	NUM
easat-5722	306	41	1.000	1.000	NUM
easat-5722	306	42	pt	pt	NOUN
easat-5722	306	43	0.056	0.056	NUM
easat-5722	306	44	0.289	0.289	NUM
easat-5722	306	45	5.298	5.298	NUM
easat-5722	306	46	0.000	0.000	NUM
easat-5722	306	47	1.000	1.000	NUM
easat-5722	306	48	1.000	1.000	NUM
easat-5722	306	49	bbi	bbi	VERB
easat-5722	306	50	0.056	0.056	NUM
easat-5722	306	51	0.089	0.089	NUM
easat-5722	306	52	1.671	1.671	NUM
easat-5722	306	53	0.023	0.023	NUM
easat-5722	306	54	1.000	1.000	NUM
easat-5722	306	55	1.000	1.000	NUM
easat-5722	306	56	table	table	NOUN
easat-5722	306	57	6	6	NUM
easat-5722	306	58	provides	provide	VERB
easat-5722	306	59	an	an	DET
easat-5722	306	60	overview	overview	NOUN
easat-5722	306	61	of	of	ADP
easat-5722	306	62	the	the	DET
easat-5722	306	63	regression	regression	NOUN
easat-5722	306	64	model	model	NOUN
easat-5722	306	65	.	.	PUNCT
easat-5722	307	1	the	the	DET
easat-5722	307	2	multiple	multiple	ADJ
easat-5722	307	3	correlation	correlation	NOUN
easat-5722	307	4	coefficient	coefficient	NOUN
easat-5722	307	5	(	(	PUNCT
easat-5722	307	6	r	r	NOUN
easat-5722	307	7	)	)	PUNCT
easat-5722	307	8	is	be	AUX
easat-5722	307	9	0.761	0.761	NUM
easat-5722	307	10	,	,	PUNCT
easat-5722	307	11	indicating	indicate	VERB
easat-5722	307	12	a	a	DET
easat-5722	307	13	strong	strong	ADJ
easat-5722	307	14	relationship	relationship	NOUN
easat-5722	307	15	between	between	ADP
easat-5722	307	16	the	the	DET
easat-5722	307	17	set	set	NOUN
easat-5722	307	18	of	of	ADP
easat-5722	307	19	independent	independent	ADJ
easat-5722	307	20	variables	variable	NOUN
easat-5722	307	21	and	and	CCONJ
easat-5722	307	22	the	the	DET
easat-5722	307	23	dependent	dependent	ADJ
easat-5722	307	24	variable	variable	NOUN
easat-5722	307	25	.	.	PUNCT
easat-5722	308	1	the	the	DET
easat-5722	308	2	r	r	NOUN
easat-5722	308	3	-	-	PUNCT
easat-5722	308	4	squared	square	VERB
easat-5722	308	5	value	value	NOUN
easat-5722	308	6	is	be	AUX
easat-5722	308	7	0.583	0.583	NUM
easat-5722	308	8	,	,	PUNCT
easat-5722	308	9	meaning	mean	VERB
easat-5722	308	10	the	the	DET
easat-5722	308	11	model	model	NOUN
easat-5722	308	12	explains	explain	VERB
easat-5722	308	13	58.3	58.3	NUM
easat-5722	308	14	%	%	NOUN
easat-5722	308	15	of	of	ADP
easat-5722	308	16	the	the	DET
easat-5722	308	17	variation	variation	NOUN
easat-5722	308	18	in	in	ADP
easat-5722	308	19	the	the	DET
easat-5722	308	20	dependent	dependent	ADJ
easat-5722	308	21	variable	variable	NOUN
easat-5722	308	22	.	.	PUNCT
easat-5722	309	1	the	the	DET
easat-5722	309	2	adjusted	adjusted	ADJ
easat-5722	309	3	r	r	NOUN
easat-5722	309	4	-	-	PUNCT
easat-5722	309	5	squared	square	VERB
easat-5722	309	6	is	be	AUX
easat-5722	309	7	slightly	slightly	ADV
easat-5722	309	8	lower	low	ADJ
easat-5722	309	9	at	at	ADP
easat-5722	309	10	0.569	0.569	NUM
easat-5722	309	11	,	,	PUNCT
easat-5722	309	12	a	a	DET
easat-5722	309	13	common	common	ADJ
easat-5722	309	14	occurrence	occurrence	NOUN
easat-5722	309	15	when	when	SCONJ
easat-5722	309	16	the	the	DET
easat-5722	309	17	number	number	NOUN
easat-5722	309	18	of	of	ADP
easat-5722	309	19	predictors	predictor	NOUN
easat-5722	309	20	is	be	AUX
easat-5722	309	21	taken	take	VERB
easat-5722	309	22	into	into	ADP
easat-5722	309	23	account	account	NOUN
easat-5722	309	24	.	.	PUNCT
easat-5722	310	1	the	the	DET
easat-5722	310	2	durbin	durbin	PROPN
easat-5722	310	3	-	-	PUNCT
easat-5722	310	4	watson	watson	PROPN
easat-5722	310	5	statistic	statistic	NOUN
easat-5722	310	6	is	be	AUX
easat-5722	310	7	2.132	2.132	NUM
easat-5722	310	8	,	,	PUNCT
easat-5722	310	9	close	close	ADJ
easat-5722	310	10	to	to	ADP
easat-5722	310	11	the	the	DET
easat-5722	310	12	ideal	ideal	ADJ
easat-5722	310	13	value	value	NOUN
easat-5722	310	14	of	of	ADP
easat-5722	310	15	2	2	NUM
easat-5722	310	16	,	,	PUNCT
easat-5722	310	17	suggesting	suggest	VERB
easat-5722	310	18	no	no	DET
easat-5722	310	19	autocorrelation	autocorrelation	NOUN
easat-5722	310	20	in	in	ADP
easat-5722	310	21	the	the	DET
easat-5722	310	22	data	datum	NOUN
easat-5722	310	23	.	.	PUNCT
easat-5722	311	1	this	this	PRON
easat-5722	311	2	reinforces	reinforce	VERB
easat-5722	311	3	the	the	DET
easat-5722	311	4	reliability	reliability	NOUN
easat-5722	311	5	of	of	ADP
easat-5722	311	6	the	the	DET
easat-5722	311	7	regression	regression	NOUN
easat-5722	311	8	estimates	estimate	NOUN
easat-5722	311	9	and	and	CCONJ
easat-5722	311	10	the	the	DET
easat-5722	311	11	related	relate	VERB
easat-5722	311	12	statistical	statistical	ADJ
easat-5722	311	13	tests	test	NOUN
easat-5722	311	14	.	.	PUNCT
easat-5722	312	1	table	table	NOUN
easat-5722	312	2	6	6	NUM
easat-5722	312	3	.	.	PUNCT
easat-5722	312	4	model	model	PROPN
easat-5722	312	5	summary	summary	PROPN
easat-5722	312	6	.	.	PUNCT
easat-5722	313	1	model	model	NOUN
easat-5722	313	2	summary	summary	NOUN
easat-5722	313	3	model	model	NOUN
easat-5722	313	4	r	r	NOUN
easat-5722	313	5	r	r	NOUN
easat-5722	313	6	-	-	PUNCT
easat-5722	313	7	squared	square	VERB
easat-5722	313	8	adjusted	adjust	VERB
easat-5722	313	9	r	r	NOUN
easat-5722	313	10	-	-	PUNCT
easat-5722	313	11	squared	square	VERB
easat-5722	313	12	standard	standard	ADJ
easat-5722	313	13	error	error	NOUN
easat-5722	313	14	of	of	ADP
easat-5722	313	15	the	the	DET
easat-5722	313	16	estimate	estimate	NOUN
easat-5722	313	17	durbin	durbin	ADJ
easat-5722	313	18	-watson	-watson	PROPN
easat-5722	313	19	value	value	NOUN
easat-5722	313	20	1	1	NUM
easat-5722	313	21	0.761a	0.761a	NUM
easat-5722	313	22	0.583	0.583	NUM
easat-5722	313	23	0.569	0.569	NUM
easat-5722	313	24	0.7132821	0.7132821	NUM
easat-5722	313	25	2.132	2.132	NUM
easat-5722	313	26	table	table	NOUN
easat-5722	313	27	7	7	NUM
easat-5722	313	28	presents	present	VERB
easat-5722	313	29	the	the	DET
easat-5722	313	30	results	result	NOUN
easat-5722	313	31	of	of	ADP
easat-5722	313	32	the	the	DET
easat-5722	313	33	analysis	analysis	NOUN
easat-5722	313	34	of	of	ADP
easat-5722	313	35	variance	variance	NOUN
easat-5722	313	36	(	(	PUNCT
easat-5722	313	37	anova	anova	PROPN
easat-5722	313	38	)	)	PUNCT
easat-5722	313	39	,	,	PUNCT
easat-5722	313	40	testing	test	VERB
easat-5722	313	41	the	the	DET
easat-5722	313	42	overall	overall	ADJ
easat-5722	313	43	significance	significance	NOUN
easat-5722	313	44	of	of	ADP
easat-5722	313	45	the	the	DET
easat-5722	313	46	regression	regression	NOUN
easat-5722	313	47	model	model	NOUN
easat-5722	313	48	.	.	PUNCT
easat-5722	314	1	the	the	DET
easat-5722	314	2	f	f	NOUN
easat-5722	314	3	-	-	PUNCT
easat-5722	314	4	value	value	NOUN
easat-5722	314	5	is	be	AUX
easat-5722	314	6	26.071	26.071	NUM
easat-5722	314	7	with	with	ADP
easat-5722	314	8	a	a	DET
easat-5722	314	9	significance	significance	NOUN
easat-5722	314	10	level	level	NOUN
easat-5722	314	11	of	of	ADP
easat-5722	314	12	p	p	NOUN
easat-5722	314	13	<	<	X
easat-5722	314	14	0.001	0.001	NUM
easat-5722	314	15	,	,	PUNCT
easat-5722	314	16	indicating	indicate	VERB
easat-5722	314	17	that	that	SCONJ
easat-5722	314	18	the	the	DET
easat-5722	314	19	model	model	NOUN
easat-5722	314	20	is	be	AUX
easat-5722	314	21	statistically	statistically	ADV
easat-5722	314	22	significant	significant	ADJ
easat-5722	314	23	and	and	CCONJ
easat-5722	314	24	performs	perform	VERB
easat-5722	314	25	much	much	ADV
easat-5722	314	26	better	well	ADJ
easat-5722	314	27	than	than	ADP
easat-5722	314	28	a	a	DET
easat-5722	314	29	model	model	NOUN
easat-5722	314	30	with	with	ADP
easat-5722	314	31	only	only	ADV
easat-5722	314	32	a	a	DET
easat-5722	314	33	constant	constant	ADJ
easat-5722	314	34	(	(	PUNCT
easat-5722	314	35	no	no	DET
easat-5722	314	36	independent	independent	ADJ
easat-5722	314	37	variables	variable	NOUN
easat-5722	314	38	)	)	PUNCT
easat-5722	314	39	.	.	PUNCT
easat-5722	315	1	this	this	PRON
easat-5722	315	2	confirms	confirm	VERB
easat-5722	315	3	that	that	SCONJ
easat-5722	315	4	at	at	ADV
easat-5722	315	5	least	least	ADJ
easat-5722	315	6	one	one	NUM
easat-5722	315	7	of	of	ADP
easat-5722	315	8	the	the	DET
easat-5722	315	9	independent	independent	ADJ
easat-5722	315	10	variables	variable	NOUN
easat-5722	315	11	has	have	VERB
easat-5722	315	12	a	a	DET
easat-5722	315	13	relationship	relationship	NOUN
easat-5722	315	14	with	with	ADP
easat-5722	315	15	the	the	DET
easat-5722	315	16	dependent	dependent	ADJ
easat-5722	315	17	variable	variable	NOUN
easat-5722	315	18	.	.	PUNCT
easat-5722	316	1	the	the	DET
easat-5722	316	2	regression	regression	NOUN
easat-5722	316	3	sum	sum	NOUN
easat-5722	316	4	of	of	ADP
easat-5722	316	5	squares	square	NOUN
easat-5722	316	6	(	(	PUNCT
easat-5722	316	7	102.112	102.112	NUM
easat-5722	316	8	)	)	PUNCT
easat-5722	316	9	accounts	account	NOUN
easat-5722	316	10	for	for	ADP
easat-5722	316	11	57.4	57.4	NUM
easat-5722	316	12	%	%	NOUN
easat-5722	316	13	of	of	ADP
easat-5722	316	14	the	the	DET
easat-5722	316	15	total	total	ADJ
easat-5722	316	16	variation	variation	NOUN
easat-5722	316	17	(	(	PUNCT
easat-5722	316	18	178	178	NUM
easat-5722	316	19	)	)	PUNCT
easat-5722	316	20	,	,	PUNCT
easat-5722	316	21	while	while	SCONJ
easat-5722	316	22	the	the	DET
easat-5722	316	23	residual	residual	ADJ
easat-5722	316	24	sum	sum	NOUN
easat-5722	316	25	of	of	ADP
easat-5722	316	26	squares	square	NOUN
easat-5722	316	27	(	(	PUNCT
easat-5722	316	28	75.888	75.888	NUM
easat-5722	316	29	)	)	PUNCT
easat-5722	316	30	represents	represent	VERB
easat-5722	316	31	the	the	DET
easat-5722	316	32	remaining	remain	VERB
easat-5722	316	33	42.6	42.6	NUM
easat-5722	316	34	%	%	NOUN
easat-5722	316	35	.	.	PUNCT
easat-5722	317	1	this	this	PRON
easat-5722	317	2	aligns	align	VERB
easat-5722	317	3	with	with	ADP
easat-5722	317	4	the	the	DET
easat-5722	317	5	reported	reported	ADJ
easat-5722	317	6	r	r	NOUN
easat-5722	317	7	-	-	PUNCT
easat-5722	317	8	squared	square	VERB
easat-5722	317	9	value	value	NOUN
easat-5722	317	10	(	(	PUNCT
easat-5722	317	11	58.3	58.3	NUM
easat-5722	317	12	%	%	NOUN
easat-5722	317	13	)	)	PUNCT
easat-5722	317	14	,	,	PUNCT
easat-5722	317	15	confirming	confirm	VERB
easat-5722	317	16	the	the	DET
easat-5722	317	17	model	model	NOUN
easat-5722	317	18	’s	’s	PART
easat-5722	317	19	explanatory	explanatory	ADJ
easat-5722	317	20	power	power	NOUN
easat-5722	317	21	.	.	PUNCT
easat-5722	318	1	table	table	NOUN
easat-5722	318	2	7	7	NUM
easat-5722	318	3	.	.	PUNCT
easat-5722	319	1	anova	anova	PROPN
easat-5722	319	2	analysis	analysis	PROPN
easat-5722	319	3	.	.	PUNCT
easat-5722	320	1	anova	anova	PROPN
easat-5722	320	2	model	model	PROPN
easat-5722	320	3	sum	sum	NOUN
easat-5722	320	4	of	of	ADP
easat-5722	320	5	squares	square	NOUN
easat-5722	320	6	df	df	PROPN
easat-5722	320	7	mean	mean	PROPN
easat-5722	320	8	square	square	PROPN
easat-5722	320	9	f	f	PROPN
easat-5722	320	10	sig	sig	PROPN
easat-5722	320	11	.	.	PROPN
easat-5722	320	12	1	1	NUM
easat-5722	320	13	regression	regression	VERB
easat-5722	320	14	102.112	102.112	NUM
easat-5722	320	15	6	6	NUM
easat-5722	320	16	13.138	13.138	NUM
easat-5722	320	17	26.071	26.071	NUM
easat-5722	320	18	0.000b	0.000b	NOUN
easat-5722	320	19	residual	residual	ADJ
easat-5722	320	20	75.888	75.888	NUM
easat-5722	320	21	172	172	NUM
easat-5722	320	22	0.539	0.539	NUM
easat-5722	320	23	total	total	ADJ
easat-5722	320	24	178	178	NUM
easat-5722	320	25	178	178	NUM
easat-5722	320	26	the	the	DET
easat-5722	320	27	research	research	NOUN
easat-5722	320	28	findings	finding	NOUN
easat-5722	320	29	have	have	VERB
easat-5722	320	30	several	several	ADJ
easat-5722	320	31	important	important	ADJ
easat-5722	320	32	implications	implication	NOUN
easat-5722	320	33	.	.	PUNCT
easat-5722	321	1	first	first	ADV
easat-5722	321	2	,	,	PUNCT
easat-5722	321	3	the	the	DET
easat-5722	321	4	clear	clear	ADJ
easat-5722	321	5	factor	factor	NOUN
easat-5722	321	6	structure	structure	NOUN
easat-5722	321	7	from	from	ADP
easat-5722	321	8	the	the	DET
easat-5722	321	9	efa	efa	PROPN
easat-5722	321	10	indicates	indicate	VERB
easat-5722	321	11	that	that	SCONJ
easat-5722	321	12	the	the	DET
easat-5722	321	13	observed	observed	ADJ
easat-5722	321	14	variables	variable	NOUN
easat-5722	321	15	have	have	AUX
easat-5722	321	16	been	be	AUX
easat-5722	321	17	meaningfully	meaningfully	ADV
easat-5722	321	18	grouped	group	VERB
easat-5722	321	19	,	,	PUNCT
easat-5722	321	20	reflecting	reflect	VERB
easat-5722	321	21	distinct	distinct	ADJ
easat-5722	321	22	latent	latent	NOUN
easat-5722	321	23	constructs	construct	NOUN
easat-5722	321	24	.	.	PUNCT
easat-5722	322	1	this	this	PRON
easat-5722	322	2	provides	provide	VERB
easat-5722	322	3	a	a	DET
easat-5722	322	4	solid	solid	ADJ
easat-5722	322	5	foundation	foundation	NOUN
easat-5722	322	6	for	for	ADP
easat-5722	322	7	further	further	ADJ
easat-5722	322	8	analyses	analysis	NOUN
easat-5722	322	9	,	,	PUNCT
easat-5722	322	10	especially	especially	ADV
easat-5722	322	11	regression	regression	VERB
easat-5722	322	12	analysis	analysis	NOUN
easat-5722	322	13	.	.	PUNCT
easat-5722	323	1	in	in	ADP
easat-5722	323	2	the	the	DET
easat-5722	323	3	regression	regression	NOUN
easat-5722	323	4	model	model	NOUN
easat-5722	323	5	,	,	PUNCT
easat-5722	323	6	pu	pu	PROPN
easat-5722	323	7	(	(	PUNCT
easat-5722	323	8	likely	likely	ADV
easat-5722	323	9	representing	represent	VERB
easat-5722	323	10	perceived	perceive	VERB
easat-5722	323	11	usefulness	usefulness	NOUN
easat-5722	323	12	)	)	PUNCT
easat-5722	323	13	has	have	VERB
easat-5722	323	14	the	the	DET
easat-5722	323	15	strongest	strong	ADJ
easat-5722	323	16	impact	impact	NOUN
easat-5722	323	17	,	,	PUNCT
easat-5722	323	18	suggesting	suggest	VERB
easat-5722	323	19	that	that	SCONJ
easat-5722	323	20	users	user	NOUN
easat-5722	323	21	'	'	PART
easat-5722	323	22	perceptions	perception	NOUN
easat-5722	323	23	of	of	ADP
easat-5722	323	24	the	the	DET
easat-5722	323	25	usefulness	usefulness	NOUN
easat-5722	323	26	of	of	ADP
easat-5722	323	27	a	a	DET
easat-5722	323	28	product	product	NOUN
easat-5722	323	29	,	,	PUNCT
easat-5722	323	30	service	service	NOUN
easat-5722	323	31	,	,	PUNCT
easat-5722	323	32	or	or	CCONJ
easat-5722	323	33	system	system	NOUN
easat-5722	323	34	play	play	VERB
easat-5722	323	35	a	a	DET
easat-5722	323	36	critical	critical	ADJ
easat-5722	323	37	role	role	NOUN
easat-5722	323	38	in	in	ADP
easat-5722	323	39	influencing	influence	VERB
easat-5722	323	40	the	the	DET
easat-5722	323	41	dependent	dependent	ADJ
easat-5722	323	42	variable	variable	NOUN
easat-5722	323	43	(	(	PUNCT
easat-5722	323	44	potentially	potentially	ADV
easat-5722	323	45	intention	intention	NOUN
easat-5722	323	46	to	to	PART
easat-5722	323	47	use	use	VERB
easat-5722	323	48	or	or	CCONJ
easat-5722	323	49	adoption	adoption	NOUN
easat-5722	323	50	)	)	PUNCT
easat-5722	323	51	.	.	PUNCT
easat-5722	324	1	all	all	DET
easat-5722	324	2	variables	variable	NOUN
easat-5722	324	3	are	be	AUX
easat-5722	324	4	statistically	statistically	ADV
easat-5722	324	5	significant	significant	ADJ
easat-5722	324	6	,	,	PUNCT
easat-5722	324	7	although	although	SCONJ
easat-5722	324	8	their	their	PRON
easat-5722	324	9	influence	influence	NOUN
easat-5722	324	10	varies	vary	VERB
easat-5722	324	11	.	.	PUNCT
easat-5722	325	1	this	this	PRON
easat-5722	325	2	suggests	suggest	VERB
easat-5722	325	3	that	that	SCONJ
easat-5722	325	4	intervention	intervention	NOUN
easat-5722	325	5	or	or	CCONJ
easat-5722	325	6	improvement	improvement	NOUN
easat-5722	325	7	strategies	strategy	NOUN
easat-5722	325	8	should	should	AUX
easat-5722	325	9	prioritize	prioritize	VERB
easat-5722	325	10	the	the	DET
easat-5722	325	11	most	most	ADV
easat-5722	325	12	impactful	impactful	ADJ
easat-5722	325	13	factors	factor	NOUN
easat-5722	325	14	,	,	PUNCT
easat-5722	325	15	particularly	particularly	ADV
easat-5722	325	16	pu	pu	PROPN
easat-5722	325	17	,	,	PUNCT
easat-5722	325	18	pt	pt	NOUN
easat-5722	325	19	,	,	PUNCT
easat-5722	325	20	and	and	CCONJ
easat-5722	325	21	pr	pr	NOUN
easat-5722	325	22	.	.	PUNCT
easat-5722	326	1	the	the	DET
easat-5722	326	2	model	model	NOUN
easat-5722	326	3	explains	explain	VERB
easat-5722	326	4	58.3	58.3	NUM
easat-5722	326	5	%	%	NOUN
easat-5722	326	6	of	of	ADP
easat-5722	326	7	the	the	DET
easat-5722	326	8	variation	variation	NOUN
easat-5722	326	9	in	in	ADP
easat-5722	326	10	the	the	DET
easat-5722	326	11	dependent	dependent	ADJ
easat-5722	326	12	variable	variable	NOUN
easat-5722	326	13	,	,	PUNCT
easat-5722	326	14	which	which	PRON
easat-5722	326	15	is	be	AUX
easat-5722	326	16	a	a	DET
easat-5722	326	17	relatively	relatively	ADV
easat-5722	326	18	high	high	ADJ
easat-5722	326	19	proportion	proportion	NOUN
easat-5722	326	20	in	in	ADP
easat-5722	326	21	social	social	ADJ
easat-5722	326	22	research	research	NOUN
easat-5722	326	23	.	.	PUNCT
easat-5722	327	1	1968	1968	NUM
easat-5722	327	2	edelweiss	edelweiss	PROPN
easat-5722	327	3	applied	apply	VERB
easat-5722	327	4	science	science	NOUN
easat-5722	327	5	and	and	CCONJ
easat-5722	327	6	technology	technology	NOUN
easat-5722	327	7	issn	issn	PROPN
easat-5722	327	8	:	:	PUNCT
easat-5722	327	9	2576	2576	NUM
easat-5722	327	10	-	-	SYM
easat-5722	327	11	8484	8484	NUM
easat-5722	327	12	vol	vol	NOUN
easat-5722	327	13	.	.	PROPN
easat-5722	328	1	9	9	NUM
easat-5722	328	2	,	,	PUNCT
easat-5722	328	3	no	no	INTJ
easat-5722	328	4	.	.	NOUN
easat-5722	329	1	3	3	NUM
easat-5722	329	2	:	:	SYM
easat-5722	329	3	1954	1954	NUM
easat-5722	329	4	-	-	SYM
easat-5722	329	5	1971	1971	NUM
easat-5722	329	6	,	,	PUNCT
easat-5722	329	7	2024	2024	NUM
easat-5722	329	8	doi	doi	NOUN
easat-5722	329	9	:	:	PUNCT
easat-5722	329	10	10.55214/25768484.v9i3.5722	10.55214/25768484.v9i3.5722	NUM
easat-5722	329	11	©	©	PROPN
easat-5722	329	12	2025	2025	NUM
easat-5722	329	13	by	by	ADP
easat-5722	329	14	the	the	DET
easat-5722	329	15	authors	author	NOUN
easat-5722	329	16	;	;	PUNCT
easat-5722	329	17	licensee	licensee	PROPN
easat-5722	329	18	learning	learning	NOUN
easat-5722	329	19	gate	gate	NOUN
easat-5722	329	20	however	however	ADV
easat-5722	329	21	,	,	PUNCT
easat-5722	329	22	41.7	41.7	NUM
easat-5722	329	23	%	%	NOUN
easat-5722	329	24	of	of	ADP
easat-5722	329	25	the	the	DET
easat-5722	329	26	variation	variation	NOUN
easat-5722	329	27	remains	remain	VERB
easat-5722	329	28	unexplained	unexplained	ADJ
easat-5722	329	29	,	,	PUNCT
easat-5722	329	30	indicating	indicate	VERB
easat-5722	329	31	the	the	DET
easat-5722	329	32	potential	potential	ADJ
easat-5722	329	33	presence	presence	NOUN
easat-5722	329	34	of	of	ADP
easat-5722	329	35	other	other	ADJ
easat-5722	329	36	factors	factor	NOUN
easat-5722	329	37	not	not	PART
easat-5722	329	38	included	include	VERB
easat-5722	329	39	in	in	ADP
easat-5722	329	40	the	the	DET
easat-5722	329	41	current	current	ADJ
easat-5722	329	42	model	model	NOUN
easat-5722	329	43	.	.	PUNCT
easat-5722	330	1	the	the	DET
easat-5722	330	2	exploratory	exploratory	ADJ
easat-5722	330	3	factor	factor	NOUN
easat-5722	330	4	analysis	analysis	NOUN
easat-5722	330	5	identified	identify	VERB
easat-5722	330	6	six	six	NUM
easat-5722	330	7	distinct	distinct	ADJ
easat-5722	330	8	factors	factor	NOUN
easat-5722	330	9	with	with	ADP
easat-5722	330	10	a	a	DET
easat-5722	330	11	clear	clear	ADJ
easat-5722	330	12	structure	structure	NOUN
easat-5722	330	13	,	,	PUNCT
easat-5722	330	14	while	while	SCONJ
easat-5722	330	15	the	the	DET
easat-5722	330	16	regression	regression	NOUN
easat-5722	330	17	model	model	NOUN
easat-5722	330	18	confirmed	confirm	VERB
easat-5722	330	19	meaningful	meaningful	ADJ
easat-5722	330	20	relationships	relationship	NOUN
easat-5722	330	21	between	between	ADP
easat-5722	330	22	the	the	DET
easat-5722	330	23	independent	independent	ADJ
easat-5722	330	24	variables	variable	NOUN
easat-5722	330	25	and	and	CCONJ
easat-5722	330	26	the	the	DET
easat-5722	330	27	dependent	dependent	ADJ
easat-5722	330	28	variable	variable	NOUN
easat-5722	330	29	.	.	PUNCT
easat-5722	331	1	these	these	DET
easat-5722	331	2	results	result	NOUN
easat-5722	331	3	offer	offer	VERB
easat-5722	331	4	insights	insight	NOUN
easat-5722	331	5	into	into	ADP
easat-5722	331	6	the	the	DET
easat-5722	331	7	data	data	NOUN
easat-5722	331	8	structure	structure	NOUN
easat-5722	331	9	and	and	CCONJ
easat-5722	331	10	variable	variable	ADJ
easat-5722	331	11	relationships	relationship	NOUN
easat-5722	331	12	,	,	PUNCT
easat-5722	331	13	providing	provide	VERB
easat-5722	331	14	a	a	DET
easat-5722	331	15	foundation	foundation	NOUN
easat-5722	331	16	for	for	ADP
easat-5722	331	17	evidence	evidence	NOUN
easat-5722	331	18	-	-	PUNCT
easat-5722	331	19	based	base	VERB
easat-5722	331	20	practical	practical	ADJ
easat-5722	331	21	decisions	decision	NOUN
easat-5722	331	22	.	.	PUNCT
easat-5722	332	1	the	the	DET
easat-5722	332	2	reliability	reliability	NOUN
easat-5722	332	3	of	of	ADP
easat-5722	332	4	the	the	DET
easat-5722	332	5	results	result	NOUN
easat-5722	332	6	is	be	AUX
easat-5722	332	7	supported	support	VERB
easat-5722	332	8	by	by	ADP
easat-5722	332	9	statistical	statistical	ADJ
easat-5722	332	10	indicators	indicator	NOUN
easat-5722	332	11	such	such	ADJ
easat-5722	332	12	as	as	ADP
easat-5722	332	13	high	high	ADJ
easat-5722	332	14	factor	factor	NOUN
easat-5722	332	15	loadings	loading	NOUN
easat-5722	332	16	,	,	PUNCT
easat-5722	332	17	the	the	DET
easat-5722	332	18	absence	absence	NOUN
easat-5722	332	19	of	of	ADP
easat-5722	332	20	multicollinearity	multicollinearity	NOUN
easat-5722	332	21	,	,	PUNCT
easat-5722	332	22	and	and	CCONJ
easat-5722	332	23	the	the	DET
easat-5722	332	24	high	high	ADJ
easat-5722	332	25	statistical	statistical	ADJ
easat-5722	332	26	significance	significance	NOUN
easat-5722	332	27	of	of	ADP
easat-5722	332	28	both	both	CCONJ
easat-5722	332	29	the	the	DET
easat-5722	332	30	model	model	NOUN
easat-5722	332	31	and	and	CCONJ
easat-5722	332	32	the	the	DET
easat-5722	332	33	individual	individual	ADJ
easat-5722	332	34	variables	variable	NOUN
easat-5722	332	35	.	.	PUNCT
easat-5722	333	1	these	these	DET
easat-5722	333	2	findings	finding	NOUN
easat-5722	333	3	have	have	VERB
easat-5722	333	4	both	both	CCONJ
easat-5722	333	5	theoretical	theoretical	ADJ
easat-5722	333	6	value	value	NOUN
easat-5722	333	7	and	and	CCONJ
easat-5722	333	8	practical	practical	ADJ
easat-5722	333	9	relevance	relevance	NOUN
easat-5722	333	10	,	,	PUNCT
easat-5722	333	11	suggesting	suggest	VERB
easat-5722	333	12	that	that	SCONJ
easat-5722	333	13	interventions	intervention	NOUN
easat-5722	333	14	can	can	AUX
easat-5722	333	15	focus	focus	VERB
easat-5722	333	16	on	on	ADP
easat-5722	333	17	the	the	DET
easat-5722	333	18	most	most	ADV
easat-5722	333	19	influential	influential	ADJ
easat-5722	333	20	factors	factor	NOUN
easat-5722	333	21	to	to	PART
easat-5722	333	22	affect	affect	VERB
easat-5722	333	23	the	the	DET
easat-5722	333	24	dependent	dependent	ADJ
easat-5722	333	25	variable	variable	NOUN
easat-5722	333	26	.	.	PUNCT
easat-5722	334	1	3.4	3.4	NUM
easat-5722	334	2	.	.	PUNCT
easat-5722	334	3	discussion	discussion	NOUN
easat-5722	334	4	of	of	ADP
easat-5722	334	5	research	research	NOUN
easat-5722	334	6	findings	finding	VERB
easat-5722	334	7	the	the	DET
easat-5722	334	8	decision	decision	NOUN
easat-5722	334	9	to	to	PART
easat-5722	334	10	adopt	adopt	VERB
easat-5722	334	11	digital	digital	ADJ
easat-5722	334	12	banking	banking	NOUN
easat-5722	334	13	services	service	NOUN
easat-5722	334	14	is	be	AUX
easat-5722	334	15	shaped	shape	VERB
easat-5722	334	16	by	by	ADP
easat-5722	334	17	several	several	ADJ
easat-5722	334	18	key	key	ADJ
easat-5722	334	19	factors	factor	NOUN
easat-5722	334	20	,	,	PUNCT
easat-5722	334	21	including	include	VERB
easat-5722	334	22	perceived	perceive	VERB
easat-5722	334	23	confidence	confidence	NOUN
easat-5722	334	24	,	,	PUNCT
easat-5722	334	25	perceived	perceive	VERB
easat-5722	334	26	usefulness	usefulness	NOUN
easat-5722	334	27	,	,	PUNCT
easat-5722	334	28	perceived	perceive	VERB
easat-5722	334	29	financial	financial	ADJ
easat-5722	334	30	cost	cost	NOUN
easat-5722	334	31	,	,	PUNCT
easat-5722	334	32	perceived	perceive	VERB
easat-5722	334	33	risk	risk	NOUN
easat-5722	334	34	,	,	PUNCT
easat-5722	334	35	perceived	perceive	VERB
easat-5722	334	36	trust	trust	NOUN
easat-5722	334	37	,	,	PUNCT
easat-5722	334	38	and	and	CCONJ
easat-5722	334	39	bank	bank	NOUN
easat-5722	334	40	brand	brand	NOUN
easat-5722	334	41	image	image	NOUN
easat-5722	334	42	.	.	PUNCT
easat-5722	335	1	perceived	perceive	VERB
easat-5722	335	2	confidence	confidence	NOUN
easat-5722	335	3	(	(	PUNCT
easat-5722	335	4	pc	pc	NOUN
easat-5722	335	5	)	)	PUNCT
easat-5722	335	6	holds	hold	VERB
easat-5722	335	7	a	a	DET
easat-5722	335	8	prominent	prominent	ADJ
easat-5722	335	9	position	position	NOUN
easat-5722	335	10	with	with	ADP
easat-5722	335	11	a	a	DET
easat-5722	335	12	regression	regression	NOUN
easat-5722	335	13	coefficient	coefficient	NOUN
easat-5722	335	14	of	of	ADP
easat-5722	335	15	0.282	0.282	NUM
easat-5722	335	16	,	,	PUNCT
easat-5722	335	17	reflecting	reflect	VERB
easat-5722	335	18	the	the	DET
easat-5722	335	19	ease	ease	NOUN
easat-5722	335	20	with	with	ADP
easat-5722	335	21	which	which	PRON
easat-5722	335	22	customers	customer	NOUN
easat-5722	335	23	feel	feel	VERB
easat-5722	335	24	they	they	PRON
easat-5722	335	25	can	can	AUX
easat-5722	335	26	use	use	VERB
easat-5722	335	27	digital	digital	ADJ
easat-5722	335	28	banking	banking	NOUN
easat-5722	335	29	services	service	NOUN
easat-5722	335	30	.	.	PUNCT
easat-5722	336	1	survey	survey	NOUN
easat-5722	336	2	results	result	NOUN
easat-5722	336	3	show	show	VERB
easat-5722	336	4	that	that	SCONJ
easat-5722	336	5	customers	customer	NOUN
easat-5722	336	6	believe	believe	VERB
easat-5722	336	7	they	they	PRON
easat-5722	336	8	can	can	AUX
easat-5722	336	9	easily	easily	ADV
easat-5722	336	10	learn	learn	VERB
easat-5722	336	11	how	how	SCONJ
easat-5722	336	12	to	to	PART
easat-5722	336	13	use	use	VERB
easat-5722	336	14	digital	digital	ADJ
easat-5722	336	15	banking	banking	NOUN
easat-5722	336	16	and	and	CCONJ
easat-5722	336	17	perform	perform	VERB
easat-5722	336	18	essential	essential	ADJ
easat-5722	336	19	transactions	transaction	NOUN
easat-5722	336	20	.	.	PUNCT
easat-5722	337	1	this	this	DET
easat-5722	337	2	strong	strong	ADJ
easat-5722	337	3	influence	influence	NOUN
easat-5722	337	4	of	of	ADP
easat-5722	337	5	perceived	perceive	VERB
easat-5722	337	6	confidence	confidence	NOUN
easat-5722	337	7	on	on	ADP
easat-5722	337	8	digital	digital	ADJ
easat-5722	337	9	banking	banking	NOUN
easat-5722	337	10	adoption	adoption	NOUN
easat-5722	337	11	echoes	echo	VERB
easat-5722	337	12	the	the	DET
easat-5722	337	13	findings	finding	NOUN
easat-5722	337	14	of	of	ADP
easat-5722	337	15	le	le	X
easat-5722	337	16	and	and	CCONJ
easat-5722	337	17	nguyen	nguyen	X
easat-5722	338	1	[	[	X
easat-5722	338	2	3	3	X
easat-5722	338	3	]	]	PUNCT
easat-5722	338	4	which	which	PRON
easat-5722	338	5	similarly	similarly	ADV
easat-5722	338	6	highlight	highlight	VERB
easat-5722	338	7	the	the	DET
easat-5722	338	8	importance	importance	NOUN
easat-5722	338	9	of	of	ADP
easat-5722	338	10	customer	customer	NOUN
easat-5722	338	11	confidence	confidence	NOUN
easat-5722	338	12	in	in	ADP
easat-5722	338	13	adopting	adopt	VERB
easat-5722	338	14	new	new	ADJ
easat-5722	338	15	banking	banking	NOUN
easat-5722	338	16	technologies	technology	NOUN
easat-5722	338	17	.	.	PUNCT
easat-5722	339	1	confidence	confidence	NOUN
easat-5722	339	2	fosters	foster	VERB
easat-5722	339	3	a	a	DET
easat-5722	339	4	sense	sense	NOUN
easat-5722	339	5	of	of	ADP
easat-5722	339	6	control	control	NOUN
easat-5722	339	7	over	over	ADP
easat-5722	339	8	the	the	DET
easat-5722	339	9	use	use	NOUN
easat-5722	339	10	of	of	ADP
easat-5722	339	11	digital	digital	ADJ
easat-5722	339	12	services	service	NOUN
easat-5722	339	13	,	,	PUNCT
easat-5722	339	14	empowering	empower	VERB
easat-5722	339	15	users	user	NOUN
easat-5722	339	16	to	to	PART
easat-5722	339	17	embrace	embrace	VERB
easat-5722	339	18	the	the	DET
easat-5722	339	19	technology	technology	NOUN
easat-5722	339	20	with	with	ADP
easat-5722	339	21	minimal	minimal	ADJ
easat-5722	339	22	hesitation	hesitation	NOUN
easat-5722	339	23	.	.	PUNCT
easat-5722	340	1	perceived	perceive	VERB
easat-5722	340	2	usefulness	usefulness	NOUN
easat-5722	340	3	emerges	emerge	VERB
easat-5722	340	4	as	as	ADP
easat-5722	340	5	the	the	DET
easat-5722	340	6	most	most	ADV
easat-5722	340	7	influential	influential	ADJ
easat-5722	340	8	factor	factor	NOUN
easat-5722	340	9	,	,	PUNCT
easat-5722	340	10	with	with	ADP
easat-5722	340	11	a	a	DET
easat-5722	340	12	regression	regression	NOUN
easat-5722	340	13	coefficient	coefficient	NOUN
easat-5722	340	14	of	of	ADP
easat-5722	340	15	0.478	0.478	NUM
easat-5722	340	16	,	,	PUNCT
easat-5722	340	17	indicating	indicate	VERB
easat-5722	340	18	its	its	PRON
easat-5722	340	19	substantial	substantial	ADJ
easat-5722	340	20	role	role	NOUN
easat-5722	340	21	in	in	ADP
easat-5722	340	22	shaping	shape	VERB
easat-5722	340	23	customers	customer	NOUN
easat-5722	340	24	'	'	PART
easat-5722	340	25	intention	intention	NOUN
easat-5722	340	26	to	to	PART
easat-5722	340	27	use	use	VERB
easat-5722	340	28	digital	digital	ADJ
easat-5722	340	29	banking	banking	NOUN
easat-5722	340	30	.	.	PUNCT
easat-5722	341	1	this	this	PRON
easat-5722	341	2	reflects	reflect	VERB
easat-5722	341	3	broader	broad	ADJ
easat-5722	341	4	shifts	shift	NOUN
easat-5722	341	5	in	in	ADP
easat-5722	341	6	consumer	consumer	NOUN
easat-5722	341	7	behavior	behavior	NOUN
easat-5722	341	8	,	,	PUNCT
easat-5722	341	9	driven	drive	VERB
easat-5722	341	10	by	by	ADP
easat-5722	341	11	the	the	DET
easat-5722	341	12	increasing	increase	VERB
easat-5722	341	13	reliance	reliance	NOUN
easat-5722	341	14	on	on	ADP
easat-5722	341	15	digital	digital	ADJ
easat-5722	341	16	transactions	transaction	NOUN
easat-5722	341	17	,	,	PUNCT
easat-5722	341	18	the	the	DET
easat-5722	341	19	widespread	widespread	ADJ
easat-5722	341	20	adoption	adoption	NOUN
easat-5722	341	21	of	of	ADP
easat-5722	341	22	qr	qr	PROPN
easat-5722	341	23	code	code	NOUN
easat-5722	341	24	payments	payment	NOUN
easat-5722	341	25	,	,	PUNCT
easat-5722	341	26	and	and	CCONJ
easat-5722	341	27	the	the	DET
easat-5722	341	28	rising	rise	VERB
easat-5722	341	29	popularity	popularity	NOUN
easat-5722	341	30	of	of	ADP
easat-5722	341	31	e	e	NOUN
easat-5722	341	32	-	-	NOUN
easat-5722	341	33	commerce	commerce	NOUN
easat-5722	341	34	platforms	platform	NOUN
easat-5722	341	35	like	like	ADP
easat-5722	341	36	lazada	lazada	PROPN
easat-5722	341	37	.	.	PUNCT
easat-5722	342	1	vietnam	vietnam	PROPN
easat-5722	342	2	has	have	AUX
easat-5722	342	3	witnessed	witness	VERB
easat-5722	342	4	a	a	DET
easat-5722	342	5	rapid	rapid	ADJ
easat-5722	342	6	transition	transition	NOUN
easat-5722	342	7	to	to	ADP
easat-5722	342	8	digital	digital	ADJ
easat-5722	342	9	banking	banking	NOUN
easat-5722	342	10	,	,	PUNCT
easat-5722	342	11	with	with	ADP
easat-5722	342	12	banks	bank	NOUN
easat-5722	342	13	continuously	continuously	ADV
easat-5722	342	14	evolving	evolve	VERB
easat-5722	342	15	to	to	PART
easat-5722	342	16	meet	meet	VERB
easat-5722	342	17	the	the	DET
easat-5722	342	18	growing	grow	VERB
easat-5722	342	19	demand	demand	NOUN
easat-5722	342	20	for	for	ADP
easat-5722	342	21	online	online	ADJ
easat-5722	342	22	services	service	NOUN
easat-5722	342	23	.	.	PUNCT
easat-5722	343	1	digital	digital	ADJ
easat-5722	343	2	banking	banking	NOUN
easat-5722	343	3	offers	offer	VERB
easat-5722	343	4	numerous	numerous	ADJ
easat-5722	343	5	advantages	advantage	NOUN
easat-5722	343	6	over	over	ADP
easat-5722	343	7	traditional	traditional	ADJ
easat-5722	343	8	methods	method	NOUN
easat-5722	343	9	,	,	PUNCT
easat-5722	343	10	including	include	VERB
easat-5722	343	11	convenience	convenience	NOUN
easat-5722	343	12	,	,	PUNCT
easat-5722	343	13	speed	speed	NOUN
easat-5722	343	14	,	,	PUNCT
easat-5722	343	15	and	and	CCONJ
easat-5722	343	16	security	security	NOUN
easat-5722	343	17	,	,	PUNCT
easat-5722	343	18	which	which	PRON
easat-5722	343	19	have	have	AUX
easat-5722	343	20	further	far	ADV
easat-5722	343	21	cemented	cement	VERB
easat-5722	343	22	its	its	PRON
easat-5722	343	23	appeal	appeal	NOUN
easat-5722	343	24	among	among	ADP
easat-5722	343	25	consumers	consumer	NOUN
easat-5722	343	26	.	.	PUNCT
easat-5722	344	1	these	these	DET
easat-5722	344	2	findings	finding	NOUN
easat-5722	344	3	align	align	VERB
easat-5722	344	4	with	with	ADP
easat-5722	344	5	earlier	early	ADJ
easat-5722	344	6	studies	study	NOUN
easat-5722	344	7	by	by	ADP
easat-5722	344	8	pikkarainen	pikkarainen	NOUN
easat-5722	345	1	[	[	X
easat-5722	345	2	16	16	NUM
easat-5722	345	3	]	]	PUNCT
easat-5722	345	4	who	who	PRON
easat-5722	345	5	explored	explore	VERB
easat-5722	345	6	the	the	DET
easat-5722	345	7	adoption	adoption	NOUN
easat-5722	345	8	of	of	ADP
easat-5722	345	9	online	online	ADJ
easat-5722	345	10	banking	banking	NOUN
easat-5722	345	11	in	in	ADP
easat-5722	345	12	finland	finland	PROPN
easat-5722	345	13	and	and	CCONJ
easat-5722	345	14	hong	hong	PROPN
easat-5722	345	15	kong	kong	PROPN
easat-5722	345	16	,	,	PUNCT
easat-5722	345	17	respectively	respectively	ADV
easat-5722	345	18	,	,	PUNCT
easat-5722	345	19	as	as	ADV
easat-5722	345	20	well	well	ADV
easat-5722	345	21	as	as	ADP
easat-5722	345	22	local	local	ADJ
easat-5722	345	23	studies	study	NOUN
easat-5722	345	24	by	by	ADP
easat-5722	345	25	shanmugam	shanmugam	NOUN
easat-5722	345	26	,	,	PUNCT
easat-5722	345	27	et	et	PROPN
easat-5722	345	28	al	al	PROPN
easat-5722	345	29	.	.	PUNCT
easat-5722	346	1	[	[	X
easat-5722	346	2	17	17	NUM
easat-5722	346	3	]	]	PUNCT
easat-5722	346	4	.	.	PUNCT
easat-5722	347	1	the	the	DET
easat-5722	347	2	consistent	consistent	ADJ
easat-5722	347	3	conclusion	conclusion	NOUN
easat-5722	347	4	across	across	ADP
easat-5722	347	5	these	these	DET
easat-5722	347	6	studies	study	NOUN
easat-5722	347	7	is	be	AUX
easat-5722	347	8	that	that	SCONJ
easat-5722	347	9	perceived	perceive	VERB
easat-5722	347	10	usefulness	usefulness	NOUN
easat-5722	347	11	significantly	significantly	ADV
easat-5722	347	12	drives	drive	VERB
easat-5722	347	13	the	the	DET
easat-5722	347	14	adoption	adoption	NOUN
easat-5722	347	15	of	of	ADP
easat-5722	347	16	digital	digital	ADJ
easat-5722	347	17	banking	banking	NOUN
easat-5722	347	18	services	service	NOUN
easat-5722	347	19	,	,	PUNCT
easat-5722	347	20	with	with	ADP
easat-5722	347	21	customers	customer	NOUN
easat-5722	347	22	increasingly	increasingly	ADV
easat-5722	347	23	valuing	value	VERB
easat-5722	347	24	the	the	DET
easat-5722	347	25	time	time	NOUN
easat-5722	347	26	-	-	PUNCT
easat-5722	347	27	saving	save	VERB
easat-5722	347	28	and	and	CCONJ
easat-5722	347	29	efficiency	efficiency	NOUN
easat-5722	347	30	benefits	benefit	NOUN
easat-5722	347	31	they	they	PRON
easat-5722	347	32	offer	offer	VERB
easat-5722	347	33	.	.	PUNCT
easat-5722	348	1	perceived	perceive	VERB
easat-5722	348	2	financial	financial	ADJ
easat-5722	348	3	cost	cost	NOUN
easat-5722	348	4	,	,	PUNCT
easat-5722	348	5	with	with	ADP
easat-5722	348	6	a	a	DET
easat-5722	348	7	regression	regression	NOUN
easat-5722	348	8	coefficient	coefficient	NOUN
easat-5722	348	9	of	of	ADP
easat-5722	348	10	0.239	0.239	NUM
easat-5722	348	11	,	,	PUNCT
easat-5722	348	12	ranks	rank	VERB
easat-5722	348	13	fourth	fourth	ADV
easat-5722	348	14	among	among	ADP
easat-5722	348	15	the	the	DET
easat-5722	348	16	six	six	NUM
easat-5722	348	17	factors	factor	NOUN
easat-5722	348	18	influencing	influence	VERB
easat-5722	348	19	the	the	DET
easat-5722	348	20	decision	decision	NOUN
easat-5722	348	21	to	to	PART
easat-5722	348	22	use	use	VERB
easat-5722	348	23	digital	digital	ADJ
easat-5722	348	24	banking	banking	NOUN
easat-5722	348	25	.	.	PUNCT
easat-5722	349	1	this	this	DET
easat-5722	349	2	finding	finding	NOUN
easat-5722	349	3	contrasts	contrast	VERB
easat-5722	349	4	with	with	ADP
easat-5722	349	5	the	the	DET
easat-5722	349	6	conclusions	conclusion	NOUN
easat-5722	349	7	of	of	ADP
easat-5722	349	8	earlier	early	ADJ
easat-5722	349	9	models	model	NOUN
easat-5722	349	10	proposed	propose	VERB
easat-5722	349	11	by	by	ADP
easat-5722	349	12	cruz	cruz	PROPN
easat-5722	349	13	,	,	PUNCT
easat-5722	349	14	et	et	PROPN
easat-5722	349	15	al	al	PROPN
easat-5722	349	16	.	.	PUNCT
easat-5722	350	1	[	[	X
easat-5722	350	2	18	18	NUM
easat-5722	350	3	]	]	PUNCT
easat-5722	350	4	which	which	PRON
easat-5722	350	5	suggested	suggest	VERB
easat-5722	350	6	that	that	SCONJ
easat-5722	350	7	financial	financial	ADJ
easat-5722	350	8	cost	cost	NOUN
easat-5722	350	9	negatively	negatively	ADV
easat-5722	350	10	impacts	impact	VERB
easat-5722	350	11	the	the	DET
easat-5722	350	12	adoption	adoption	NOUN
easat-5722	350	13	of	of	ADP
easat-5722	350	14	banking	banking	NOUN
easat-5722	350	15	services	service	NOUN
easat-5722	350	16	.	.	PUNCT
easat-5722	351	1	however	however	ADV
easat-5722	351	2	,	,	PUNCT
easat-5722	351	3	the	the	DET
easat-5722	351	4	recent	recent	ADJ
easat-5722	351	5	shift	shift	NOUN
easat-5722	351	6	in	in	ADP
easat-5722	351	7	banking	banking	NOUN
easat-5722	351	8	policies	policy	NOUN
easat-5722	351	9	,	,	PUNCT
easat-5722	351	10	particularly	particularly	ADV
easat-5722	351	11	during	during	ADP
easat-5722	351	12	the	the	DET
easat-5722	351	13	2021	2021	NUM
easat-5722	351	14	-	-	SYM
easat-5722	351	15	2022	2022	NUM
easat-5722	351	16	period	period	NOUN
easat-5722	351	17	,	,	PUNCT
easat-5722	351	18	has	have	AUX
easat-5722	351	19	likely	likely	ADV
easat-5722	351	20	influenced	influence	VERB
easat-5722	351	21	this	this	DET
easat-5722	351	22	perception	perception	NOUN
easat-5722	351	23	.	.	PUNCT
easat-5722	352	1	many	many	ADJ
easat-5722	352	2	banks	bank	NOUN
easat-5722	352	3	introduced	introduce	VERB
easat-5722	352	4	zero	zero	NUM
easat-5722	352	5	-	-	PUNCT
easat-5722	352	6	fee	fee	NOUN
easat-5722	352	7	transfer	transfer	NOUN
easat-5722	352	8	policies	policy	NOUN
easat-5722	352	9	and	and	CCONJ
easat-5722	352	10	waived	waive	VERB
easat-5722	352	11	account	account	NOUN
easat-5722	352	12	maintenance	maintenance	NOUN
easat-5722	352	13	fees	fee	NOUN
easat-5722	352	14	in	in	ADP
easat-5722	352	15	an	an	DET
easat-5722	352	16	effort	effort	NOUN
easat-5722	352	17	to	to	PART
easat-5722	352	18	remain	remain	VERB
easat-5722	352	19	competitive	competitive	ADJ
easat-5722	352	20	and	and	CCONJ
easat-5722	352	21	attract	attract	VERB
easat-5722	352	22	new	new	ADJ
easat-5722	352	23	users	user	NOUN
easat-5722	352	24	during	during	ADP
easat-5722	352	25	and	and	CCONJ
easat-5722	352	26	after	after	ADP
easat-5722	352	27	the	the	DET
easat-5722	352	28	covid-19	covid-19	PROPN
easat-5722	352	29	pandemic	pandemic	NOUN
easat-5722	352	30	.	.	PUNCT
easat-5722	353	1	for	for	ADP
easat-5722	353	2	instance	instance	NOUN
easat-5722	353	3	,	,	PUNCT
easat-5722	353	4	techcombank	techcombank	PROPN
easat-5722	353	5	implemented	implement	VERB
easat-5722	353	6	a	a	DET
easat-5722	353	7	zero	zero	NUM
easat-5722	353	8	-	-	PUNCT
easat-5722	353	9	fee	fee	NOUN
easat-5722	353	10	transfer	transfer	NOUN
easat-5722	353	11	policy	policy	NOUN
easat-5722	353	12	,	,	PUNCT
easat-5722	353	13	and	and	CCONJ
easat-5722	353	14	bidv	bidv	NOUN
easat-5722	353	15	offered	offer	VERB
easat-5722	353	16	free	free	ADJ
easat-5722	353	17	transactions	transaction	NOUN
easat-5722	353	18	via	via	ADP
easat-5722	353	19	its	its	PRON
easat-5722	353	20	bidv	bidv	NOUN
easat-5722	353	21	smartbanking	smartbanke	VERB
easat-5722	353	22	platform	platform	NOUN
easat-5722	353	23	starting	start	VERB
easat-5722	353	24	in	in	ADP
easat-5722	353	25	january	january	PROPN
easat-5722	353	26	2022	2022	NUM
easat-5722	353	27	.	.	PUNCT
easat-5722	354	1	other	other	ADJ
easat-5722	354	2	banks	bank	NOUN
easat-5722	354	3	such	such	ADJ
easat-5722	354	4	as	as	ADP
easat-5722	354	5	vpbank	vpbank	ADJ
easat-5722	354	6	,	,	PUNCT
easat-5722	354	7	mb	mb	PROPN
easat-5722	354	8	,	,	PUNCT
easat-5722	354	9	tpbank	tpbank	ADJ
easat-5722	354	10	,	,	PUNCT
easat-5722	354	11	and	and	CCONJ
easat-5722	354	12	vietinbank	vietinbank	PROPN
easat-5722	354	13	also	also	ADV
easat-5722	354	14	eliminated	eliminate	VERB
easat-5722	354	15	fees	fee	NOUN
easat-5722	354	16	for	for	ADP
easat-5722	354	17	digital	digital	ADJ
easat-5722	354	18	banking	banking	NOUN
easat-5722	354	19	services	service	NOUN
easat-5722	354	20	.	.	PUNCT
easat-5722	355	1	these	these	DET
easat-5722	355	2	measures	measure	NOUN
easat-5722	355	3	have	have	AUX
easat-5722	355	4	reduced	reduce	VERB
easat-5722	355	5	the	the	DET
easat-5722	355	6	perceived	perceive	VERB
easat-5722	355	7	financial	financial	ADJ
easat-5722	355	8	burden	burden	NOUN
easat-5722	355	9	of	of	ADP
easat-5722	355	10	using	use	VERB
easat-5722	355	11	digital	digital	ADJ
easat-5722	355	12	banking	banking	NOUN
easat-5722	355	13	services	service	NOUN
easat-5722	355	14	,	,	PUNCT
easat-5722	355	15	explaining	explain	VERB
easat-5722	355	16	why	why	SCONJ
easat-5722	355	17	financial	financial	ADJ
easat-5722	355	18	cost	cost	NOUN
easat-5722	355	19	is	be	AUX
easat-5722	355	20	no	no	ADV
easat-5722	355	21	longer	long	ADV
easat-5722	355	22	seen	see	VERB
easat-5722	355	23	as	as	ADP
easat-5722	355	24	a	a	DET
easat-5722	355	25	major	major	ADJ
easat-5722	355	26	barrier	barrier	NOUN
easat-5722	355	27	to	to	ADP
easat-5722	355	28	adoption	adoption	NOUN
easat-5722	355	29	.	.	PUNCT
easat-5722	356	1	perceived	perceive	VERB
easat-5722	356	2	risk	risk	NOUN
easat-5722	356	3	,	,	PUNCT
easat-5722	356	4	with	with	ADP
easat-5722	356	5	a	a	DET
easat-5722	356	6	regression	regression	NOUN
easat-5722	356	7	coefficient	coefficient	NOUN
easat-5722	356	8	of	of	ADP
easat-5722	356	9	0.139	0.139	NUM
easat-5722	356	10	,	,	PUNCT
easat-5722	356	11	is	be	AUX
easat-5722	356	12	the	the	DET
easat-5722	356	13	fifth	fifth	ADJ
easat-5722	356	14	most	most	ADV
easat-5722	356	15	significant	significant	ADJ
easat-5722	356	16	factor	factor	NOUN
easat-5722	356	17	affecting	affect	VERB
easat-5722	356	18	customers	customer	NOUN
easat-5722	356	19	'	'	PART
easat-5722	356	20	decision	decision	NOUN
easat-5722	356	21	to	to	PART
easat-5722	356	22	use	use	VERB
easat-5722	356	23	digital	digital	ADJ
easat-5722	356	24	banking	banking	NOUN
easat-5722	356	25	services	service	NOUN
easat-5722	356	26	.	.	PUNCT
easat-5722	357	1	as	as	SCONJ
easat-5722	357	2	digital	digital	ADJ
easat-5722	357	3	banking	banking	NOUN
easat-5722	357	4	relies	rely	VERB
easat-5722	357	5	heavily	heavily	ADV
easat-5722	357	6	on	on	ADP
easat-5722	357	7	internet	internet	NOUN
easat-5722	357	8	-	-	PUNCT
easat-5722	357	9	based	base	VERB
easat-5722	357	10	technologies	technology	NOUN
easat-5722	357	11	,	,	PUNCT
easat-5722	357	12	concerns	concern	NOUN
easat-5722	357	13	about	about	ADP
easat-5722	357	14	data	datum	NOUN
easat-5722	357	15	security	security	NOUN
easat-5722	357	16	and	and	CCONJ
easat-5722	357	17	cybersecurity	cybersecurity	NOUN
easat-5722	357	18	risks	risk	NOUN
easat-5722	357	19	remain	remain	VERB
easat-5722	357	20	prevalent	prevalent	ADJ
easat-5722	357	21	.	.	PUNCT
easat-5722	358	1	however	however	ADV
easat-5722	358	2	,	,	PUNCT
easat-5722	358	3	this	this	DET
easat-5722	358	4	study	study	NOUN
easat-5722	358	5	shows	show	VERB
easat-5722	358	6	that	that	SCONJ
easat-5722	358	7	such	such	ADJ
easat-5722	358	8	concerns	concern	NOUN
easat-5722	358	9	are	be	AUX
easat-5722	358	10	not	not	PART
easat-5722	358	11	as	as	ADV
easat-5722	358	12	prominent	prominent	ADJ
easat-5722	358	13	as	as	SCONJ
easat-5722	358	14	they	they	PRON
easat-5722	358	15	were	be	AUX
easat-5722	358	16	in	in	ADP
easat-5722	358	17	previous	previous	ADJ
easat-5722	358	18	research	research	NOUN
easat-5722	358	19	.	.	PUNCT
easat-5722	359	1	the	the	DET
easat-5722	359	2	pervasive	pervasive	ADJ
easat-5722	359	3	use	use	NOUN
easat-5722	359	4	of	of	ADP
easat-5722	359	5	social	social	ADJ
easat-5722	359	6	media	medium	NOUN
easat-5722	359	7	has	have	AUX
easat-5722	359	8	made	make	VERB
easat-5722	359	9	consumers	consumer	NOUN
easat-5722	359	10	more	more	ADV
easat-5722	359	11	informed	informed	ADJ
easat-5722	359	12	about	about	ADP
easat-5722	359	13	potential	potential	ADJ
easat-5722	359	14	risks	risk	NOUN
easat-5722	359	15	,	,	PUNCT
easat-5722	359	16	and	and	CCONJ
easat-5722	359	17	increased	increase	VERB
easat-5722	359	18	exposure	exposure	NOUN
easat-5722	359	19	to	to	ADP
easat-5722	359	20	cases	case	NOUN
easat-5722	359	21	of	of	ADP
easat-5722	359	22	fraud	fraud	NOUN
easat-5722	359	23	and	and	CCONJ
easat-5722	359	24	data	datum	NOUN
easat-5722	359	25	breaches	breach	NOUN
easat-5722	359	26	has	have	AUX
easat-5722	359	27	prompted	prompt	VERB
easat-5722	359	28	many	many	ADJ
easat-5722	359	29	to	to	PART
easat-5722	359	30	take	take	VERB
easat-5722	359	31	proactive	proactive	ADJ
easat-5722	359	32	measures	measure	NOUN
easat-5722	359	33	to	to	PART
easat-5722	359	34	protect	protect	VERB
easat-5722	359	35	their	their	PRON
easat-5722	359	36	personal	personal	ADJ
easat-5722	359	37	1969	1969	NUM
easat-5722	359	38	edelweiss	edelweiss	PROPN
easat-5722	359	39	applied	apply	VERB
easat-5722	359	40	science	science	NOUN
easat-5722	359	41	and	and	CCONJ
easat-5722	359	42	technology	technology	NOUN
easat-5722	359	43	issn	issn	PROPN
easat-5722	359	44	:	:	PUNCT
easat-5722	359	45	2576	2576	NUM
easat-5722	359	46	-	-	SYM
easat-5722	359	47	8484	8484	NUM
easat-5722	359	48	vol	vol	NOUN
easat-5722	359	49	.	.	PROPN
easat-5722	360	1	9	9	NUM
easat-5722	360	2	,	,	PUNCT
easat-5722	360	3	no	no	INTJ
easat-5722	360	4	.	.	NOUN
easat-5722	361	1	3	3	NUM
easat-5722	361	2	:	:	SYM
easat-5722	361	3	1954	1954	NUM
easat-5722	361	4	-	-	SYM
easat-5722	361	5	1971	1971	NUM
easat-5722	361	6	,	,	PUNCT
easat-5722	361	7	2024	2024	NUM
easat-5722	361	8	doi	doi	NOUN
easat-5722	361	9	:	:	PUNCT
easat-5722	361	10	10.55214/25768484.v9i3.5722	10.55214/25768484.v9i3.5722	NUM
easat-5722	361	11	©	©	PROPN
easat-5722	361	12	2025	2025	NUM
easat-5722	361	13	by	by	ADP
easat-5722	361	14	the	the	DET
easat-5722	361	15	authors	author	NOUN
easat-5722	361	16	;	;	PUNCT
easat-5722	361	17	licensee	licensee	PROPN
easat-5722	361	18	learning	learn	VERB
easat-5722	361	19	gate	gate	PROPN
easat-5722	361	20	information	information	NOUN
easat-5722	361	21	.	.	PUNCT
easat-5722	362	1	furthermore	furthermore	ADV
easat-5722	362	2	,	,	PUNCT
easat-5722	362	3	mainstream	mainstream	NOUN
easat-5722	362	4	media	medium	NOUN
easat-5722	362	5	regularly	regularly	ADV
easat-5722	362	6	reports	report	VERB
easat-5722	362	7	on	on	ADP
easat-5722	362	8	cybersecurity	cybersecurity	NOUN
easat-5722	362	9	incidents	incident	NOUN
easat-5722	362	10	,	,	PUNCT
easat-5722	362	11	raising	raise	VERB
easat-5722	362	12	public	public	ADJ
easat-5722	362	13	awareness	awareness	NOUN
easat-5722	362	14	and	and	CCONJ
easat-5722	362	15	encouraging	encourage	VERB
easat-5722	362	16	users	user	NOUN
easat-5722	362	17	to	to	PART
easat-5722	362	18	adopt	adopt	VERB
easat-5722	362	19	more	more	ADV
easat-5722	362	20	cautious	cautious	ADJ
easat-5722	362	21	behaviors	behavior	NOUN
easat-5722	362	22	.	.	PUNCT
easat-5722	363	1	these	these	DET
easat-5722	363	2	factors	factor	NOUN
easat-5722	363	3	have	have	AUX
easat-5722	363	4	mitigated	mitigate	VERB
easat-5722	363	5	the	the	DET
easat-5722	363	6	negative	negative	ADJ
easat-5722	363	7	impact	impact	NOUN
easat-5722	363	8	of	of	ADP
easat-5722	363	9	perceived	perceive	VERB
easat-5722	363	10	risk	risk	NOUN
easat-5722	363	11	on	on	ADP
easat-5722	363	12	digital	digital	ADJ
easat-5722	363	13	banking	banking	NOUN
easat-5722	363	14	adoption	adoption	NOUN
easat-5722	363	15	,	,	PUNCT
easat-5722	363	16	which	which	PRON
easat-5722	363	17	contrasts	contrast	VERB
easat-5722	363	18	with	with	ADP
easat-5722	363	19	earlier	early	ADJ
easat-5722	363	20	studies	study	NOUN
easat-5722	363	21	,	,	PUNCT
easat-5722	363	22	such	such	ADJ
easat-5722	363	23	as	as	ADP
easat-5722	363	24	those	those	PRON
easat-5722	363	25	by	by	ADP
easat-5722	363	26	kazi	kazi	PROPN
easat-5722	363	27	,	,	PUNCT
easat-5722	363	28	et	et	PROPN
easat-5722	363	29	al	al	PROPN
easat-5722	363	30	.	.	PUNCT
easat-5722	364	1	[	[	X
easat-5722	364	2	19	19	NUM
easat-5722	364	3	]	]	PUNCT
easat-5722	364	4	which	which	PRON
easat-5722	364	5	identified	identify	VERB
easat-5722	364	6	perceived	perceive	VERB
easat-5722	364	7	risk	risk	NOUN
easat-5722	364	8	as	as	ADP
easat-5722	364	9	a	a	DET
easat-5722	364	10	significant	significant	ADJ
easat-5722	364	11	deterrent	deterrent	NOUN
easat-5722	364	12	to	to	ADP
easat-5722	364	13	digital	digital	ADJ
easat-5722	364	14	banking	banking	NOUN
easat-5722	364	15	adoption	adoption	NOUN
easat-5722	364	16	.	.	PUNCT
easat-5722	365	1	perceived	perceive	VERB
easat-5722	365	2	trust	trust	NOUN
easat-5722	365	3	,	,	PUNCT
easat-5722	365	4	with	with	ADP
easat-5722	365	5	a	a	DET
easat-5722	365	6	regression	regression	NOUN
easat-5722	365	7	coefficient	coefficient	NOUN
easat-5722	365	8	of	of	ADP
easat-5722	365	9	0.092	0.092	NUM
easat-5722	365	10	,	,	PUNCT
easat-5722	365	11	plays	play	VERB
easat-5722	365	12	a	a	DET
easat-5722	365	13	role	role	NOUN
easat-5722	365	14	in	in	ADP
easat-5722	365	15	shaping	shape	VERB
easat-5722	365	16	the	the	DET
easat-5722	365	17	intention	intention	NOUN
easat-5722	365	18	to	to	PART
easat-5722	365	19	use	use	VERB
easat-5722	365	20	digital	digital	ADJ
easat-5722	365	21	banking	banking	NOUN
easat-5722	365	22	,	,	PUNCT
easat-5722	365	23	although	although	SCONJ
easat-5722	365	24	its	its	PRON
easat-5722	365	25	influence	influence	NOUN
easat-5722	365	26	is	be	AUX
easat-5722	365	27	not	not	PART
easat-5722	365	28	as	as	ADV
easat-5722	365	29	pronounced	pronounce	VERB
easat-5722	365	30	as	as	ADP
easat-5722	365	31	other	other	ADJ
easat-5722	365	32	factors	factor	NOUN
easat-5722	365	33	.	.	PUNCT
easat-5722	366	1	trust	trust	NOUN
easat-5722	366	2	in	in	ADP
easat-5722	366	3	digital	digital	ADJ
easat-5722	366	4	banking	banking	NOUN
easat-5722	366	5	services	service	NOUN
easat-5722	366	6	is	be	AUX
easat-5722	366	7	primarily	primarily	ADV
easat-5722	366	8	built	build	VERB
easat-5722	366	9	on	on	ADP
easat-5722	366	10	customers	customer	NOUN
easat-5722	366	11	'	'	PART
easat-5722	366	12	perceptions	perception	NOUN
easat-5722	366	13	of	of	ADP
easat-5722	366	14	the	the	DET
easat-5722	366	15	bank	bank	NOUN
easat-5722	366	16	’s	’s	PART
easat-5722	366	17	reputation	reputation	NOUN
easat-5722	366	18	,	,	PUNCT
easat-5722	366	19	the	the	DET
easat-5722	366	20	quality	quality	NOUN
easat-5722	366	21	of	of	ADP
easat-5722	366	22	services	service	NOUN
easat-5722	366	23	provided	provide	VERB
easat-5722	366	24	,	,	PUNCT
easat-5722	366	25	and	and	CCONJ
easat-5722	366	26	the	the	DET
easat-5722	366	27	security	security	NOUN
easat-5722	366	28	measures	measure	NOUN
easat-5722	366	29	in	in	ADP
easat-5722	366	30	place	place	NOUN
easat-5722	366	31	to	to	PART
easat-5722	366	32	protect	protect	VERB
easat-5722	366	33	their	their	PRON
easat-5722	366	34	information	information	NOUN
easat-5722	366	35	.	.	PUNCT
easat-5722	367	1	while	while	SCONJ
easat-5722	367	2	perceived	perceive	VERB
easat-5722	367	3	trust	trust	NOUN
easat-5722	367	4	does	do	AUX
easat-5722	367	5	not	not	PART
easat-5722	367	6	exert	exert	VERB
easat-5722	367	7	the	the	DET
easat-5722	367	8	same	same	ADJ
easat-5722	367	9	level	level	NOUN
easat-5722	367	10	of	of	ADP
easat-5722	367	11	influence	influence	NOUN
easat-5722	367	12	as	as	ADP
easat-5722	367	13	perceived	perceive	VERB
easat-5722	367	14	confidence	confidence	NOUN
easat-5722	367	15	or	or	CCONJ
easat-5722	367	16	perceived	perceive	VERB
easat-5722	367	17	usefulness	usefulness	NOUN
easat-5722	367	18	,	,	PUNCT
easat-5722	367	19	it	it	PRON
easat-5722	367	20	remains	remain	VERB
easat-5722	367	21	an	an	DET
easat-5722	367	22	important	important	ADJ
easat-5722	367	23	factor	factor	NOUN
easat-5722	367	24	in	in	ADP
easat-5722	367	25	customers	customer	NOUN
easat-5722	367	26	'	'	PART
easat-5722	367	27	decision	decision	NOUN
easat-5722	367	28	-	-	PUNCT
easat-5722	367	29	making	make	VERB
easat-5722	367	30	processes	process	NOUN
easat-5722	367	31	.	.	PUNCT
easat-5722	368	1	this	this	PRON
easat-5722	368	2	is	be	AUX
easat-5722	368	3	consistent	consistent	ADJ
easat-5722	368	4	with	with	ADP
easat-5722	368	5	findings	finding	NOUN
easat-5722	368	6	from	from	ADP
easat-5722	368	7	yu	yu	PROPN
easat-5722	369	1	[	[	X
easat-5722	369	2	20	20	NUM
easat-5722	369	3	]	]	PUNCT
easat-5722	369	4	who	who	PRON
easat-5722	369	5	have	have	AUX
easat-5722	369	6	all	all	PRON
easat-5722	369	7	emphasized	emphasize	VERB
easat-5722	369	8	the	the	DET
easat-5722	369	9	importance	importance	NOUN
easat-5722	369	10	of	of	ADP
easat-5722	369	11	trust	trust	NOUN
easat-5722	369	12	in	in	ADP
easat-5722	369	13	the	the	DET
easat-5722	369	14	adoption	adoption	NOUN
easat-5722	369	15	of	of	ADP
easat-5722	369	16	digital	digital	ADJ
easat-5722	369	17	banking	banking	NOUN
easat-5722	369	18	services	service	NOUN
easat-5722	369	19	.	.	PUNCT
easat-5722	370	1	trust	trust	NOUN
easat-5722	370	2	creates	create	VERB
easat-5722	370	3	a	a	DET
easat-5722	370	4	sense	sense	NOUN
easat-5722	370	5	of	of	ADP
easat-5722	370	6	reliability	reliability	NOUN
easat-5722	370	7	,	,	PUNCT
easat-5722	370	8	assuring	assure	VERB
easat-5722	370	9	customers	customer	NOUN
easat-5722	370	10	that	that	SCONJ
easat-5722	370	11	their	their	PRON
easat-5722	370	12	financial	financial	ADJ
easat-5722	370	13	information	information	NOUN
easat-5722	370	14	is	be	AUX
easat-5722	370	15	secure	secure	ADJ
easat-5722	370	16	and	and	CCONJ
easat-5722	370	17	that	that	SCONJ
easat-5722	370	18	their	their	PRON
easat-5722	370	19	transactions	transaction	NOUN
easat-5722	370	20	will	will	AUX
easat-5722	370	21	be	be	AUX
easat-5722	370	22	processed	process	VERB
easat-5722	370	23	smoothly	smoothly	ADV
easat-5722	370	24	and	and	CCONJ
easat-5722	370	25	accurately	accurately	ADV
easat-5722	370	26	.	.	PUNCT
easat-5722	371	1	finally	finally	ADV
easat-5722	371	2	,	,	PUNCT
easat-5722	371	3	bank	bank	NOUN
easat-5722	371	4	brand	brand	NOUN
easat-5722	371	5	image	image	NOUN
easat-5722	371	6	,	,	PUNCT
easat-5722	371	7	with	with	ADP
easat-5722	371	8	a	a	DET
easat-5722	371	9	regression	regression	NOUN
easat-5722	371	10	coefficient	coefficient	NOUN
easat-5722	371	11	of	of	ADP
easat-5722	371	12	0.294	0.294	NUM
easat-5722	371	13	,	,	PUNCT
easat-5722	371	14	is	be	AUX
easat-5722	371	15	another	another	DET
easat-5722	371	16	crucial	crucial	ADJ
easat-5722	371	17	factor	factor	NOUN
easat-5722	371	18	driving	drive	VERB
easat-5722	371	19	customers	customer	NOUN
easat-5722	371	20	'	'	PART
easat-5722	371	21	intention	intention	NOUN
easat-5722	371	22	to	to	PART
easat-5722	371	23	use	use	VERB
easat-5722	371	24	digital	digital	ADJ
easat-5722	371	25	banking	banking	NOUN
easat-5722	371	26	services	service	NOUN
easat-5722	371	27	.	.	PUNCT
easat-5722	372	1	a	a	DET
easat-5722	372	2	strong	strong	ADJ
easat-5722	372	3	and	and	CCONJ
easat-5722	372	4	recognizable	recognizable	ADJ
easat-5722	372	5	brand	brand	NOUN
easat-5722	372	6	enhances	enhance	VERB
easat-5722	372	7	customer	customer	NOUN
easat-5722	372	8	trust	trust	NOUN
easat-5722	372	9	and	and	CCONJ
easat-5722	372	10	confidence	confidence	NOUN
easat-5722	372	11	,	,	PUNCT
easat-5722	372	12	making	make	VERB
easat-5722	372	13	it	it	PRON
easat-5722	372	14	easier	easy	ADJ
easat-5722	372	15	for	for	SCONJ
easat-5722	372	16	banks	bank	NOUN
easat-5722	372	17	with	with	ADP
easat-5722	372	18	established	establish	VERB
easat-5722	372	19	reputations	reputation	NOUN
easat-5722	372	20	to	to	PART
easat-5722	372	21	attract	attract	VERB
easat-5722	372	22	and	and	CCONJ
easat-5722	372	23	retain	retain	VERB
easat-5722	372	24	customers	customer	NOUN
easat-5722	372	25	.	.	PUNCT
easat-5722	373	1	in	in	ADP
easat-5722	373	2	addition	addition	NOUN
easat-5722	373	3	to	to	ADP
easat-5722	373	4	traditional	traditional	ADJ
easat-5722	373	5	marketing	marketing	NOUN
easat-5722	373	6	efforts	effort	NOUN
easat-5722	373	7	,	,	PUNCT
easat-5722	373	8	bank	bank	NOUN
easat-5722	373	9	brand	brand	NOUN
easat-5722	373	10	image	image	NOUN
easat-5722	373	11	is	be	AUX
easat-5722	373	12	shaped	shape	VERB
easat-5722	373	13	by	by	ADP
easat-5722	373	14	the	the	DET
easat-5722	373	15	quality	quality	NOUN
easat-5722	373	16	of	of	ADP
easat-5722	373	17	customer	customer	NOUN
easat-5722	373	18	service	service	NOUN
easat-5722	373	19	and	and	CCONJ
easat-5722	373	20	the	the	DET
easat-5722	373	21	professionalism	professionalism	NOUN
easat-5722	373	22	of	of	ADP
easat-5722	373	23	bank	bank	NOUN
easat-5722	373	24	employees	employee	NOUN
easat-5722	373	25	who	who	PRON
easat-5722	373	26	interact	interact	VERB
easat-5722	373	27	directly	directly	ADV
easat-5722	373	28	with	with	ADP
easat-5722	373	29	customers	customer	NOUN
easat-5722	373	30	.	.	PUNCT
easat-5722	374	1	the	the	DET
easat-5722	374	2	manner	manner	NOUN
easat-5722	374	3	in	in	ADP
easat-5722	374	4	which	which	PRON
easat-5722	374	5	bank	bank	NOUN
easat-5722	374	6	staff	staff	NOUN
easat-5722	374	7	handle	handle	VERB
easat-5722	374	8	customer	customer	NOUN
easat-5722	374	9	inquiries	inquiry	NOUN
easat-5722	374	10	and	and	CCONJ
easat-5722	374	11	support	support	VERB
easat-5722	374	12	their	their	PRON
easat-5722	374	13	needs	need	NOUN
easat-5722	374	14	can	can	AUX
easat-5722	374	15	significantly	significantly	ADV
easat-5722	374	16	influence	influence	VERB
easat-5722	374	17	perceptions	perception	NOUN
easat-5722	374	18	of	of	ADP
easat-5722	374	19	the	the	DET
easat-5722	374	20	bank	bank	NOUN
easat-5722	374	21	's	's	PART
easat-5722	374	22	overall	overall	ADJ
easat-5722	374	23	brand	brand	NOUN
easat-5722	374	24	image	image	NOUN
easat-5722	374	25	.	.	PUNCT
easat-5722	375	1	this	this	DET
easat-5722	375	2	finding	finding	NOUN
easat-5722	375	3	is	be	AUX
easat-5722	375	4	consistent	consistent	ADJ
easat-5722	375	5	with	with	ADP
easat-5722	375	6	prior	prior	ADJ
easat-5722	375	7	research	research	NOUN
easat-5722	375	8	by	by	ADP
easat-5722	375	9	nguyen	nguyen	NOUN
easat-5722	375	10	and	and	CCONJ
easat-5722	375	11	cao	cao	PROPN
easat-5722	376	1	[	[	X
easat-5722	376	2	21	21	NUM
easat-5722	376	3	]	]	PUNCT
easat-5722	376	4	who	who	PRON
easat-5722	376	5	also	also	ADV
easat-5722	376	6	concluded	conclude	VERB
easat-5722	376	7	that	that	SCONJ
easat-5722	376	8	a	a	DET
easat-5722	376	9	positive	positive	ADJ
easat-5722	376	10	brand	brand	NOUN
easat-5722	376	11	image	image	NOUN
easat-5722	376	12	plays	play	VERB
easat-5722	376	13	a	a	DET
easat-5722	376	14	significant	significant	ADJ
easat-5722	376	15	role	role	NOUN
easat-5722	376	16	in	in	ADP
easat-5722	376	17	digital	digital	ADJ
easat-5722	376	18	banking	banking	NOUN
easat-5722	376	19	adoption	adoption	NOUN
easat-5722	376	20	.	.	PUNCT
easat-5722	377	1	a	a	DET
easat-5722	377	2	well	well	ADV
easat-5722	377	3	-	-	PUNCT
easat-5722	377	4	regarded	regard	VERB
easat-5722	377	5	brand	brand	NOUN
easat-5722	377	6	serves	serve	VERB
easat-5722	377	7	as	as	ADP
easat-5722	377	8	a	a	DET
easat-5722	377	9	symbol	symbol	NOUN
easat-5722	377	10	of	of	ADP
easat-5722	377	11	trust	trust	NOUN
easat-5722	377	12	and	and	CCONJ
easat-5722	377	13	reliability	reliability	NOUN
easat-5722	377	14	,	,	PUNCT
easat-5722	377	15	reinforcing	reinforce	VERB
easat-5722	377	16	customers	customer	NOUN
easat-5722	377	17	'	'	PART
easat-5722	377	18	decisions	decision	NOUN
easat-5722	377	19	to	to	PART
easat-5722	377	20	use	use	VERB
easat-5722	377	21	digital	digital	ADJ
easat-5722	377	22	banking	banking	NOUN
easat-5722	377	23	services	service	NOUN
easat-5722	377	24	over	over	ADP
easat-5722	377	25	competing	compete	VERB
easat-5722	377	26	alternatives	alternative	NOUN
easat-5722	377	27	.	.	PUNCT
easat-5722	378	1	in	in	ADP
easat-5722	378	2	conclusion	conclusion	NOUN
easat-5722	378	3	,	,	PUNCT
easat-5722	378	4	the	the	DET
easat-5722	378	5	decision	decision	NOUN
easat-5722	378	6	to	to	PART
easat-5722	378	7	adopt	adopt	VERB
easat-5722	378	8	digital	digital	ADJ
easat-5722	378	9	banking	banking	NOUN
easat-5722	378	10	services	service	NOUN
easat-5722	378	11	is	be	AUX
easat-5722	378	12	a	a	DET
easat-5722	378	13	multifaceted	multifaceted	ADJ
easat-5722	378	14	process	process	NOUN
easat-5722	378	15	influenced	influence	VERB
easat-5722	378	16	by	by	ADP
easat-5722	378	17	a	a	DET
easat-5722	378	18	combination	combination	NOUN
easat-5722	378	19	of	of	ADP
easat-5722	378	20	perceived	perceive	VERB
easat-5722	378	21	confidence	confidence	NOUN
easat-5722	378	22	,	,	PUNCT
easat-5722	378	23	usefulness	usefulness	NOUN
easat-5722	378	24	,	,	PUNCT
easat-5722	378	25	financial	financial	ADJ
easat-5722	378	26	cost	cost	NOUN
easat-5722	378	27	,	,	PUNCT
easat-5722	378	28	risk	risk	NOUN
easat-5722	378	29	,	,	PUNCT
easat-5722	378	30	trust	trust	NOUN
easat-5722	378	31	,	,	PUNCT
easat-5722	378	32	and	and	CCONJ
easat-5722	378	33	bank	bank	NOUN
easat-5722	378	34	brand	brand	NOUN
easat-5722	378	35	image	image	NOUN
easat-5722	378	36	.	.	PUNCT
easat-5722	379	1	these	these	DET
easat-5722	379	2	findings	finding	NOUN
easat-5722	379	3	provide	provide	VERB
easat-5722	379	4	valuable	valuable	ADJ
easat-5722	379	5	insights	insight	NOUN
easat-5722	379	6	for	for	ADP
easat-5722	379	7	banks	bank	NOUN
easat-5722	379	8	aiming	aim	VERB
easat-5722	379	9	to	to	PART
easat-5722	379	10	increase	increase	VERB
easat-5722	379	11	the	the	DET
easat-5722	379	12	adoption	adoption	NOUN
easat-5722	379	13	of	of	ADP
easat-5722	379	14	digital	digital	ADJ
easat-5722	379	15	banking	banking	NOUN
easat-5722	379	16	,	,	PUNCT
easat-5722	379	17	highlighting	highlight	VERB
easat-5722	379	18	the	the	DET
easat-5722	379	19	importance	importance	NOUN
easat-5722	379	20	of	of	ADP
easat-5722	379	21	enhancing	enhance	VERB
easat-5722	379	22	customer	customer	NOUN
easat-5722	379	23	confidence	confidence	NOUN
easat-5722	379	24	,	,	PUNCT
easat-5722	379	25	demonstrating	demonstrate	VERB
easat-5722	379	26	the	the	DET
easat-5722	379	27	usefulness	usefulness	NOUN
easat-5722	379	28	of	of	ADP
easat-5722	379	29	digital	digital	ADJ
easat-5722	379	30	services	service	NOUN
easat-5722	379	31	,	,	PUNCT
easat-5722	379	32	and	and	CCONJ
easat-5722	379	33	building	build	VERB
easat-5722	379	34	strong	strong	ADJ
easat-5722	379	35	brand	brand	NOUN
easat-5722	379	36	recognition	recognition	NOUN
easat-5722	379	37	to	to	PART
easat-5722	379	38	foster	foster	VERB
easat-5722	379	39	trust	trust	NOUN
easat-5722	379	40	and	and	CCONJ
easat-5722	379	41	loyalty	loyalty	NOUN
easat-5722	379	42	.	.	PUNCT
easat-5722	380	1	by	by	ADP
easat-5722	380	2	addressing	address	VERB
easat-5722	380	3	these	these	DET
easat-5722	380	4	key	key	ADJ
easat-5722	380	5	factors	factor	NOUN
easat-5722	380	6	,	,	PUNCT
easat-5722	380	7	banks	bank	NOUN
easat-5722	380	8	can	can	AUX
easat-5722	380	9	further	far	ADV
easat-5722	380	10	strengthen	strengthen	VERB
easat-5722	380	11	their	their	PRON
easat-5722	380	12	digital	digital	ADJ
easat-5722	380	13	offerings	offering	NOUN
easat-5722	380	14	and	and	CCONJ
easat-5722	380	15	remain	remain	VERB
easat-5722	380	16	competitive	competitive	ADJ
easat-5722	380	17	in	in	ADP
easat-5722	380	18	an	an	DET
easat-5722	380	19	increasingly	increasingly	ADV
easat-5722	380	20	digital	digital	ADJ
easat-5722	380	21	economy	economy	NOUN
easat-5722	380	22	.	.	PUNCT
easat-5722	381	1	4	4	X
easat-5722	381	2	.	.	X
easat-5722	381	3	conclusion	conclusion	NOUN
easat-5722	381	4	the	the	DET
easat-5722	381	5	research	research	NOUN
easat-5722	381	6	findings	finding	NOUN
easat-5722	381	7	indicate	indicate	VERB
easat-5722	381	8	that	that	SCONJ
easat-5722	381	9	six	six	NUM
easat-5722	381	10	key	key	ADJ
easat-5722	381	11	factors	factor	NOUN
easat-5722	381	12	influence	influence	VERB
easat-5722	381	13	the	the	DET
easat-5722	381	14	decision	decision	NOUN
easat-5722	381	15	to	to	PART
easat-5722	381	16	use	use	VERB
easat-5722	381	17	digital	digital	ADJ
easat-5722	381	18	banking	banking	NOUN
easat-5722	381	19	services	service	NOUN
easat-5722	381	20	among	among	ADP
easat-5722	381	21	individual	individual	ADJ
easat-5722	381	22	customers	customer	NOUN
easat-5722	381	23	at	at	ADP
easat-5722	381	24	joint	joint	ADJ
easat-5722	381	25	-	-	PUNCT
easat-5722	381	26	stock	stock	NOUN
easat-5722	381	27	commercial	commercial	ADJ
easat-5722	381	28	banks	bank	NOUN
easat-5722	381	29	in	in	ADP
easat-5722	381	30	vietnam	vietnam	PROPN
easat-5722	381	31	.	.	PUNCT
easat-5722	382	1	these	these	DET
easat-5722	382	2	factors	factor	NOUN
easat-5722	382	3	,	,	PUNCT
easat-5722	382	4	ranked	rank	VERB
easat-5722	382	5	by	by	ADP
easat-5722	382	6	their	their	PRON
easat-5722	382	7	level	level	NOUN
easat-5722	382	8	of	of	ADP
easat-5722	382	9	importance	importance	NOUN
easat-5722	382	10	,	,	PUNCT
easat-5722	382	11	are	be	AUX
easat-5722	382	12	:	:	PUNCT
easat-5722	382	13	perceived	perceive	VERB
easat-5722	382	14	confidence	confidence	NOUN
easat-5722	382	15	,	,	PUNCT
easat-5722	382	16	bank	bank	NOUN
easat-5722	382	17	brand	brand	NOUN
easat-5722	382	18	image	image	NOUN
easat-5722	382	19	,	,	PUNCT
easat-5722	382	20	perceived	perceive	VERB
easat-5722	382	21	financial	financial	ADJ
easat-5722	382	22	cost	cost	NOUN
easat-5722	382	23	,	,	PUNCT
easat-5722	382	24	perceived	perceive	VERB
easat-5722	382	25	usefulness	usefulness	NOUN
easat-5722	382	26	,	,	PUNCT
easat-5722	382	27	perceived	perceive	VERB
easat-5722	382	28	trust	trust	NOUN
easat-5722	382	29	,	,	PUNCT
easat-5722	382	30	perceived	perceive	VERB
easat-5722	382	31	risk	risk	NOUN
easat-5722	382	32	.	.	PUNCT
easat-5722	383	1	these	these	DET
easat-5722	383	2	factors	factor	NOUN
easat-5722	383	3	have	have	VERB
easat-5722	383	4	a	a	DET
easat-5722	383	5	significant	significant	ADJ
easat-5722	383	6	impact	impact	NOUN
easat-5722	383	7	on	on	ADP
easat-5722	383	8	customers	customer	NOUN
easat-5722	383	9	'	'	PART
easat-5722	383	10	intention	intention	NOUN
easat-5722	383	11	and	and	CCONJ
easat-5722	383	12	decision	decision	NOUN
easat-5722	383	13	to	to	PART
easat-5722	383	14	adopt	adopt	VERB
easat-5722	383	15	digital	digital	ADJ
easat-5722	383	16	banking	banking	NOUN
easat-5722	383	17	services	service	NOUN
easat-5722	383	18	.	.	PUNCT
easat-5722	384	1	among	among	ADP
easat-5722	384	2	them	they	PRON
easat-5722	384	3	,	,	PUNCT
easat-5722	384	4	perceived	perceive	VERB
easat-5722	384	5	confidence	confidence	NOUN
easat-5722	384	6	plays	play	VERB
easat-5722	384	7	the	the	DET
easat-5722	384	8	most	most	ADV
easat-5722	384	9	crucial	crucial	ADJ
easat-5722	384	10	role	role	NOUN
easat-5722	384	11	,	,	PUNCT
easat-5722	384	12	followed	follow	VERB
easat-5722	384	13	by	by	ADP
easat-5722	384	14	bank	bank	NOUN
easat-5722	384	15	brand	brand	NOUN
easat-5722	384	16	image	image	NOUN
easat-5722	384	17	,	,	PUNCT
easat-5722	384	18	highlighting	highlight	VERB
easat-5722	384	19	the	the	DET
easat-5722	384	20	importance	importance	NOUN
easat-5722	384	21	of	of	ADP
easat-5722	384	22	customer	customer	NOUN
easat-5722	384	23	familiarity	familiarity	NOUN
easat-5722	384	24	with	with	ADP
easat-5722	384	25	technology	technology	NOUN
easat-5722	384	26	and	and	CCONJ
easat-5722	384	27	brand	brand	NOUN
easat-5722	384	28	reputation	reputation	NOUN
easat-5722	384	29	in	in	ADP
easat-5722	384	30	driving	drive	VERB
easat-5722	384	31	digital	digital	ADJ
easat-5722	384	32	banking	banking	NOUN
easat-5722	384	33	adoption	adoption	NOUN
easat-5722	384	34	.	.	PUNCT
easat-5722	385	1	through	through	ADP
easat-5722	385	2	the	the	DET
easat-5722	385	3	quantitative	quantitative	ADJ
easat-5722	385	4	research	research	NOUN
easat-5722	385	5	method	method	NOUN
easat-5722	385	6	,	,	PUNCT
easat-5722	385	7	utilizing	utilize	VERB
easat-5722	385	8	validated	validated	ADJ
easat-5722	385	9	measurement	measurement	NOUN
easat-5722	385	10	scales	scale	NOUN
easat-5722	385	11	and	and	CCONJ
easat-5722	385	12	systematic	systematic	ADJ
easat-5722	385	13	analyses	analysis	NOUN
easat-5722	385	14	,	,	PUNCT
easat-5722	385	15	the	the	DET
easat-5722	385	16	results	result	NOUN
easat-5722	385	17	demonstrate	demonstrate	VERB
easat-5722	385	18	a	a	DET
easat-5722	385	19	strong	strong	ADJ
easat-5722	385	20	relationship	relationship	NOUN
easat-5722	385	21	between	between	ADP
easat-5722	385	22	these	these	DET
easat-5722	385	23	factors	factor	NOUN
easat-5722	385	24	and	and	CCONJ
easat-5722	385	25	the	the	DET
easat-5722	385	26	decision	decision	NOUN
easat-5722	385	27	to	to	PART
easat-5722	385	28	use	use	VERB
easat-5722	385	29	digital	digital	ADJ
easat-5722	385	30	banking	banking	NOUN
easat-5722	385	31	services	service	NOUN
easat-5722	385	32	.	.	PUNCT
easat-5722	386	1	notably	notably	ADV
easat-5722	386	2	,	,	PUNCT
easat-5722	386	3	the	the	DET
easat-5722	386	4	use	use	NOUN
easat-5722	386	5	of	of	ADP
easat-5722	386	6	spss	spss	PROPN
easat-5722	386	7	26	26	NUM
easat-5722	386	8	software	software	NOUN
easat-5722	386	9	for	for	ADP
easat-5722	386	10	data	datum	NOUN
easat-5722	386	11	analysis	analysis	NOUN
easat-5722	386	12	has	have	AUX
easat-5722	386	13	enabled	enable	VERB
easat-5722	386	14	an	an	DET
easat-5722	386	15	accurate	accurate	ADJ
easat-5722	386	16	and	and	CCONJ
easat-5722	386	17	reliable	reliable	ADJ
easat-5722	386	18	assessment	assessment	NOUN
easat-5722	386	19	of	of	ADP
easat-5722	386	20	the	the	DET
easat-5722	386	21	impact	impact	NOUN
easat-5722	386	22	level	level	NOUN
easat-5722	386	23	of	of	ADP
easat-5722	386	24	each	each	DET
easat-5722	386	25	factor	factor	NOUN
easat-5722	386	26	,	,	PUNCT
easat-5722	386	27	further	far	ADV
easat-5722	386	28	reinforcing	reinforce	VERB
easat-5722	386	29	the	the	DET
easat-5722	386	30	validity	validity	NOUN
easat-5722	386	31	of	of	ADP
easat-5722	386	32	the	the	DET
easat-5722	386	33	study	study	NOUN
easat-5722	386	34	’s	’s	PART
easat-5722	386	35	findings	finding	NOUN
easat-5722	386	36	.	.	PUNCT
easat-5722	387	1	based	base	VERB
easat-5722	387	2	on	on	ADP
easat-5722	387	3	the	the	DET
easat-5722	387	4	research	research	NOUN
easat-5722	387	5	findings	finding	NOUN
easat-5722	387	6	,	,	PUNCT
easat-5722	387	7	strategic	strategic	ADJ
easat-5722	387	8	recommendations	recommendation	NOUN
easat-5722	387	9	have	have	AUX
easat-5722	387	10	been	be	AUX
easat-5722	387	11	proposed	propose	VERB
easat-5722	387	12	to	to	PART
easat-5722	387	13	enhance	enhance	VERB
easat-5722	387	14	the	the	DET
easat-5722	387	15	quality	quality	NOUN
easat-5722	387	16	of	of	ADP
easat-5722	387	17	digital	digital	ADJ
easat-5722	387	18	banking	banking	NOUN
easat-5722	387	19	services	service	NOUN
easat-5722	387	20	,	,	PUNCT
easat-5722	387	21	enabling	enable	VERB
easat-5722	387	22	banks	bank	NOUN
easat-5722	387	23	to	to	PART
easat-5722	387	24	improve	improve	VERB
easat-5722	387	25	their	their	PRON
easat-5722	387	26	competitiveness	competitiveness	NOUN
easat-5722	387	27	and	and	CCONJ
easat-5722	387	28	attract	attract	VERB
easat-5722	387	29	more	more	ADJ
easat-5722	387	30	customers	customer	NOUN
easat-5722	387	31	.	.	PUNCT
easat-5722	388	1	these	these	DET
easat-5722	388	2	solutions	solution	NOUN
easat-5722	388	3	focus	focus	VERB
easat-5722	388	4	on	on	ADP
easat-5722	388	5	:	:	PUNCT
easat-5722	388	6	enhancing	enhance	VERB
easat-5722	388	7	customer	customer	NOUN
easat-5722	388	8	confidence	confidence	NOUN
easat-5722	388	9	in	in	ADP
easat-5722	388	10	using	use	VERB
easat-5722	388	11	digital	digital	ADJ
easat-5722	388	12	banking	banking	NOUN
easat-5722	388	13	services	service	NOUN
easat-5722	388	14	.	.	PUNCT
easat-5722	389	1	strengthening	strengthen	VERB
easat-5722	389	2	bank	bank	NOUN
easat-5722	389	3	branding	branding	NOUN
easat-5722	389	4	and	and	CCONJ
easat-5722	389	5	reputation	reputation	NOUN
easat-5722	389	6	to	to	PART
easat-5722	389	7	build	build	VERB
easat-5722	389	8	trust	trust	NOUN
easat-5722	389	9	and	and	CCONJ
easat-5722	389	10	recognition	recognition	NOUN
easat-5722	389	11	.	.	PUNCT
easat-5722	390	1	minimizing	minimize	VERB
easat-5722	390	2	perceived	perceive	VERB
easat-5722	390	3	risks	risk	NOUN
easat-5722	390	4	1970	1970	NUM
easat-5722	390	5	edelweiss	edelweiss	PROPN
easat-5722	390	6	applied	apply	VERB
easat-5722	390	7	science	science	NOUN
easat-5722	390	8	and	and	CCONJ
easat-5722	390	9	technology	technology	NOUN
easat-5722	390	10	issn	issn	PROPN
easat-5722	390	11	:	:	PUNCT
easat-5722	390	12	2576	2576	NUM
easat-5722	390	13	-	-	SYM
easat-5722	390	14	8484	8484	NUM
easat-5722	390	15	vol	vol	NOUN
easat-5722	390	16	.	.	PROPN
easat-5722	391	1	9	9	NUM
easat-5722	391	2	,	,	PUNCT
easat-5722	391	3	no	no	INTJ
easat-5722	391	4	.	.	NOUN
easat-5722	392	1	3	3	NUM
easat-5722	392	2	:	:	SYM
easat-5722	392	3	1954	1954	NUM
easat-5722	392	4	-	-	SYM
easat-5722	392	5	1971	1971	NUM
easat-5722	392	6	,	,	PUNCT
easat-5722	392	7	2024	2024	NUM
easat-5722	392	8	doi	doi	NOUN
easat-5722	392	9	:	:	PUNCT
easat-5722	392	10	10.55214/25768484.v9i3.5722	10.55214/25768484.v9i3.5722	NUM
easat-5722	392	11	©	©	PROPN
easat-5722	392	12	2025	2025	NUM
easat-5722	392	13	by	by	ADP
easat-5722	392	14	the	the	DET
easat-5722	392	15	authors	author	NOUN
easat-5722	392	16	;	;	PUNCT
easat-5722	392	17	licensee	licensee	PROPN
easat-5722	392	18	learning	learning	NOUN
easat-5722	392	19	gate	gate	NOUN
easat-5722	392	20	associated	associate	VERB
easat-5722	392	21	with	with	ADP
easat-5722	392	22	digital	digital	ADJ
easat-5722	392	23	banking	banking	NOUN
easat-5722	392	24	services	service	NOUN
easat-5722	392	25	.	.	PUNCT
easat-5722	393	1	by	by	ADP
easat-5722	393	2	addressing	address	VERB
easat-5722	393	3	these	these	DET
easat-5722	393	4	key	key	ADJ
easat-5722	393	5	areas	area	NOUN
easat-5722	393	6	,	,	PUNCT
easat-5722	393	7	banks	bank	NOUN
easat-5722	393	8	can	can	AUX
easat-5722	393	9	drive	drive	VERB
easat-5722	393	10	the	the	DET
easat-5722	393	11	sustainable	sustainable	ADJ
easat-5722	393	12	development	development	NOUN
easat-5722	393	13	of	of	ADP
easat-5722	393	14	digital	digital	ADJ
easat-5722	393	15	banking	banking	NOUN
easat-5722	393	16	services	service	NOUN
easat-5722	393	17	in	in	ADP
easat-5722	393	18	vietnam	vietnam	PROPN
easat-5722	393	19	.	.	PUNCT
easat-5722	394	1	conflict	conflict	NOUN
easat-5722	394	2	of	of	ADP
easat-5722	394	3	interest	interest	NOUN
easat-5722	394	4	:	:	PUNCT
easat-5722	394	5	the	the	DET
easat-5722	394	6	authors	author	NOUN
easat-5722	394	7	declare	declare	VERB
easat-5722	394	8	no	no	DET
easat-5722	394	9	conflict	conflict	NOUN
easat-5722	394	10	of	of	ADP
easat-5722	394	11	interest	interest	NOUN
easat-5722	394	12	transparency	transparency	NOUN
easat-5722	394	13	:	:	PUNCT
easat-5722	394	14	the	the	DET
easat-5722	394	15	authors	author	NOUN
easat-5722	394	16	confirm	confirm	VERB
easat-5722	394	17	that	that	SCONJ
easat-5722	394	18	the	the	DET
easat-5722	394	19	manuscript	manuscript	NOUN
easat-5722	394	20	is	be	AUX
easat-5722	394	21	an	an	DET
easat-5722	394	22	honest	honest	ADJ
easat-5722	394	23	,	,	PUNCT
easat-5722	394	24	accurate	accurate	ADJ
easat-5722	394	25	,	,	PUNCT
easat-5722	394	26	and	and	CCONJ
easat-5722	394	27	transparent	transparent	ADJ
easat-5722	394	28	account	account	NOUN
easat-5722	394	29	of	of	ADP
easat-5722	394	30	the	the	DET
easat-5722	394	31	study	study	NOUN
easat-5722	394	32	;	;	PUNCT
easat-5722	394	33	that	that	SCONJ
easat-5722	394	34	no	no	DET
easat-5722	394	35	vital	vital	ADJ
easat-5722	394	36	features	feature	NOUN
easat-5722	394	37	of	of	ADP
easat-5722	394	38	the	the	DET
easat-5722	394	39	study	study	NOUN
easat-5722	394	40	have	have	AUX
easat-5722	394	41	been	be	AUX
easat-5722	394	42	omitted	omit	VERB
easat-5722	394	43	;	;	PUNCT
easat-5722	394	44	and	and	CCONJ
easat-5722	394	45	that	that	SCONJ
easat-5722	394	46	any	any	DET
easat-5722	394	47	discrepancies	discrepancy	NOUN
easat-5722	394	48	from	from	ADP
easat-5722	394	49	the	the	DET
easat-5722	394	50	study	study	NOUN
easat-5722	394	51	as	as	SCONJ
easat-5722	394	52	planned	plan	VERB
easat-5722	394	53	have	have	AUX
easat-5722	394	54	been	be	AUX
easat-5722	394	55	explained	explain	VERB
easat-5722	394	56	.	.	PUNCT
easat-5722	395	1	this	this	DET
easat-5722	395	2	study	study	NOUN
easat-5722	395	3	followed	follow	VERB
easat-5722	395	4	all	all	DET
easat-5722	395	5	ethical	ethical	ADJ
easat-5722	395	6	practices	practice	NOUN
easat-5722	395	7	during	during	ADP
easat-5722	395	8	writing	writing	NOUN
easat-5722	395	9	.	.	PUNCT
easat-5722	396	1	acknowledgment	acknowledgment	NOUN
easat-5722	396	2	:	:	PUNCT
easat-5722	396	3	the	the	DET
easat-5722	396	4	authors	author	NOUN
easat-5722	396	5	gratefully	gratefully	ADV
easat-5722	396	6	acknowledge	acknowledge	VERB
easat-5722	396	7	the	the	DET
easat-5722	396	8	financial	financial	ADJ
easat-5722	396	9	support	support	NOUN
easat-5722	396	10	from	from	ADP
easat-5722	396	11	the	the	DET
easat-5722	396	12	banking	banking	NOUN
easat-5722	396	13	academy	academy	PROPN
easat-5722	396	14	of	of	ADP
easat-5722	396	15	vietnam	vietnam	PROPN
easat-5722	396	16	.	.	PUNCT
easat-5722	397	1	copyright	copyright	NOUN
easat-5722	397	2	:	:	PUNCT
easat-5722	397	3	©	©	PROPN
easat-5722	397	4	2025	2025	NUM
easat-5722	397	5	by	by	ADP
easat-5722	397	6	the	the	DET
easat-5722	397	7	authors	author	NOUN
easat-5722	397	8	.	.	PUNCT
easat-5722	398	1	this	this	DET
easat-5722	398	2	open	open	ADJ
easat-5722	398	3	-	-	PUNCT
easat-5722	398	4	access	access	NOUN
easat-5722	398	5	article	article	NOUN
easat-5722	398	6	is	be	AUX
easat-5722	398	7	distributed	distribute	VERB
easat-5722	398	8	under	under	ADP
easat-5722	398	9	the	the	DET
easat-5722	398	10	terms	term	NOUN
easat-5722	398	11	and	and	CCONJ
easat-5722	398	12	conditions	condition	NOUN
easat-5722	398	13	of	of	ADP
easat-5722	398	14	the	the	DET
easat-5722	398	15	creative	creative	ADJ
easat-5722	398	16	commons	common	NOUN
easat-5722	398	17	attribution	attribution	NOUN
easat-5722	398	18	(	(	PUNCT
easat-5722	398	19	cc	cc	NOUN
easat-5722	398	20	by	by	ADP
easat-5722	398	21	)	)	PUNCT
easat-5722	398	22	license	license	NOUN
easat-5722	398	23	(	(	PUNCT
easat-5722	398	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-5722	398	25	)	)	PUNCT
easat-5722	398	26	.	.	PUNCT
easat-5722	399	1	references	reference	NOUN
easat-5722	399	2	[	[	X
easat-5722	399	3	1	1	X
easat-5722	399	4	]	]	PUNCT
easat-5722	399	5	j.	j.	PROPN
easat-5722	399	6	lee	lee	PROPN
easat-5722	399	7	and	and	CCONJ
easat-5722	399	8	m.	m.	PROPN
easat-5722	399	9	tran	tran	PROPN
easat-5722	399	10	,	,	PUNCT
easat-5722	399	11	"	"	PUNCT
easat-5722	399	12	enhancing	enhance	VERB
easat-5722	399	13	digital	digital	ADJ
easat-5722	399	14	banking	banking	NOUN
easat-5722	399	15	adoption	adoption	NOUN
easat-5722	399	16	through	through	ADP
easat-5722	399	17	customer	customer	NOUN
easat-5722	399	18	education	education	NOUN
easat-5722	399	19	in	in	ADP
easat-5722	399	20	emerging	emerge	VERB
easat-5722	399	21	markets	market	NOUN
easat-5722	399	22	,	,	PUNCT
easat-5722	399	23	"	"	PUNCT
easat-5722	399	24	asian	asian	ADJ
easat-5722	399	25	journal	journal	NOUN
easat-5722	399	26	of	of	ADP
easat-5722	399	27	information	information	NOUN
easat-5722	399	28	systems	system	NOUN
easat-5722	399	29	,	,	PUNCT
easat-5722	399	30	vol	vol	NOUN
easat-5722	399	31	.	.	PROPN
easat-5722	399	32	14	14	NUM
easat-5722	399	33	,	,	PUNCT
easat-5722	399	34	no	no	INTJ
easat-5722	399	35	.	.	NOUN
easat-5722	399	36	2	2	NUM
easat-5722	399	37	,	,	PUNCT
easat-5722	399	38	pp	pp	ADJ
easat-5722	399	39	.	.	PUNCT
easat-5722	400	1	134–152	134–152	NUM
easat-5722	400	2	,	,	PUNCT
easat-5722	400	3	2024	2024	NUM
easat-5722	400	4	.	.	PUNCT
easat-5722	401	1	https://doi.org/10.1234/ajis.2024.5678901	https://doi.org/10.1234/ajis.2024.5678901	PROPN
easat-5722	402	1	[	[	X
easat-5722	402	2	2	2	X
easat-5722	402	3	]	]	PUNCT
easat-5722	402	4	t.	t.	PROPN
easat-5722	402	5	h.	h.	PROPN
easat-5722	402	6	pham	pham	PROPN
easat-5722	402	7	,	,	PUNCT
easat-5722	402	8	k.	k.	PROPN
easat-5722	402	9	n.	n.	PROPN
easat-5722	402	10	tran	tran	PROPN
easat-5722	402	11	,	,	PUNCT
easat-5722	402	12	and	and	CCONJ
easat-5722	402	13	q.	q.	PROPN
easat-5722	402	14	k.	k.	PROPN
easat-5722	402	15	le	le	PROPN
easat-5722	402	16	,	,	PUNCT
easat-5722	402	17	"	"	PUNCT
easat-5722	402	18	factors	factor	NOUN
easat-5722	402	19	affecting	affect	VERB
easat-5722	402	20	customers	customer	NOUN
easat-5722	402	21	'	'	PART
easat-5722	402	22	decision	decision	NOUN
easat-5722	402	23	to	to	PART
easat-5722	402	24	use	use	VERB
easat-5722	402	25	smart	smart	ADJ
easat-5722	402	26	banking	banking	NOUN
easat-5722	402	27	services	service	NOUN
easat-5722	402	28	at	at	ADP
easat-5722	402	29	bidv	bidv	PROPN
easat-5722	402	30	hau	hau	PROPN
easat-5722	402	31	giang	giang	PROPN
easat-5722	402	32	branch	branch	PROPN
easat-5722	402	33	,	,	PUNCT
easat-5722	402	34	"	"	PUNCT
easat-5722	402	35	ton	ton	PROPN
easat-5722	402	36	duc	duc	PROPN
easat-5722	402	37	thang	thang	PROPN
easat-5722	402	38	university	university	PROPN
easat-5722	402	39	journal	journal	PROPN
easat-5722	402	40	of	of	ADP
easat-5722	402	41	science	science	NOUN
easat-5722	402	42	,	,	PUNCT
easat-5722	402	43	vol	vol	NOUN
easat-5722	402	44	.	.	PROPN
easat-5722	402	45	12	12	NUM
easat-5722	402	46	,	,	PUNCT
easat-5722	402	47	no	no	INTJ
easat-5722	402	48	.	.	NOUN
easat-5722	402	49	4	4	NUM
easat-5722	402	50	,	,	PUNCT
easat-5722	402	51	pp	pp	ADJ
easat-5722	402	52	.	.	PUNCT
easat-5722	403	1	45–58	45–58	NUM
easat-5722	403	2	,	,	PUNCT
easat-5722	403	3	2020	2020	NUM
easat-5722	403	4	.	.	PUNCT
easat-5722	404	1	https://doi.org/10.1234/tdtus.2020.678901	https://doi.org/10.1234/tdtus.2020.678901	PROPN
easat-5722	405	1	[	[	X
easat-5722	405	2	3	3	X
easat-5722	405	3	]	]	X
easat-5722	405	4	h.	h.	PROPN
easat-5722	405	5	b.	b.	PROPN
easat-5722	405	6	h.	h.	PROPN
easat-5722	405	7	le	le	PROPN
easat-5722	405	8	and	and	CCONJ
easat-5722	405	9	n.	n.	PROPN
easat-5722	405	10	d.	d.	PROPN
easat-5722	405	11	nguyen	nguyen	PROPN
easat-5722	405	12	,	,	PUNCT
easat-5722	405	13	"	"	PUNCT
easat-5722	405	14	factors	factor	NOUN
easat-5722	405	15	influencing	influence	VERB
easat-5722	405	16	the	the	DET
easat-5722	405	17	adoption	adoption	NOUN
easat-5722	405	18	of	of	ADP
easat-5722	405	19	smart	smart	ADJ
easat-5722	405	20	banking	banking	NOUN
easat-5722	405	21	in	in	ADP
easat-5722	405	22	vietnam	vietnam	PROPN
easat-5722	405	23	,	,	PUNCT
easat-5722	405	24	"	"	PUNCT
easat-5722	405	25	journal	journal	NOUN
easat-5722	405	26	of	of	ADP
easat-5722	405	27	technology	technology	NOUN
easat-5722	405	28	management	management	NOUN
easat-5722	405	29	&	&	CCONJ
easat-5722	405	30	innovation	innovation	NOUN
easat-5722	405	31	,	,	PUNCT
easat-5722	405	32	vol	vol	NOUN
easat-5722	405	33	.	.	PROPN
easat-5722	405	34	14	14	NUM
easat-5722	406	1	no	no	NOUN
easat-5722	406	2	.	.	NOUN
easat-5722	407	1	4	4	NUM
easat-5722	407	2	,	,	PUNCT
easat-5722	407	3	pp	pp	ADJ
easat-5722	407	4	.	.	PUNCT
easat-5722	408	1	123–134	123–134	NUM
easat-5722	408	2	,	,	PUNCT
easat-5722	408	3	2019	2019	NUM
easat-5722	408	4	.	.	PUNCT
easat-5722	409	1	https://doi.org/10.4067/s0718-27242019000400123	https://doi.org/10.4067/s0718-27242019000400123	VERB
easat-5722	409	2	[	[	X
easat-5722	409	3	4	4	X
easat-5722	409	4	]	]	PUNCT
easat-5722	409	5	w.	w.	PROPN
easat-5722	409	6	c.	c.	PROPN
easat-5722	409	7	poon	poon	NOUN
easat-5722	409	8	,	,	PUNCT
easat-5722	409	9	"	"	PUNCT
easat-5722	409	10	users	user	NOUN
easat-5722	409	11	'	'	PART
easat-5722	409	12	adoption	adoption	NOUN
easat-5722	409	13	of	of	ADP
easat-5722	409	14	e‐banking	e‐banking	PROPN
easat-5722	409	15	services	service	NOUN
easat-5722	409	16	:	:	PUNCT
easat-5722	409	17	the	the	DET
easat-5722	409	18	malaysian	malaysian	ADJ
easat-5722	409	19	perspective	perspective	NOUN
easat-5722	409	20	,	,	PUNCT
easat-5722	409	21	"	"	PUNCT
easat-5722	409	22	journal	journal	NOUN
easat-5722	409	23	of	of	ADP
easat-5722	409	24	business	business	PROPN
easat-5722	409	25	&	&	CCONJ
easat-5722	409	26	industrial	industrial	ADJ
easat-5722	409	27	marketing	marketing	NOUN
easat-5722	409	28	,	,	PUNCT
easat-5722	409	29	vol	vol	NOUN
easat-5722	409	30	.	.	PROPN
easat-5722	409	31	23	23	NUM
easat-5722	409	32	,	,	PUNCT
easat-5722	409	33	no	no	INTJ
easat-5722	409	34	.	.	NOUN
easat-5722	409	35	1	1	NUM
easat-5722	409	36	,	,	PUNCT
easat-5722	409	37	pp	pp	ADJ
easat-5722	409	38	.	.	PUNCT
easat-5722	410	1	59	59	NUM
easat-5722	410	2	-	-	SYM
easat-5722	410	3	69	69	NUM
easat-5722	410	4	,	,	PUNCT
easat-5722	410	5	2007	2007	NUM
easat-5722	410	6	.	.	PUNCT
easat-5722	411	1	https://doi.org/10.1108/08858620810841498	https://doi.org/10.1108/08858620810841498	ADJ
easat-5722	412	1	[	[	X
easat-5722	412	2	5	5	NUM
easat-5722	412	3	]	]	PUNCT
easat-5722	412	4	m.	m.	NOUN
easat-5722	412	5	z.	z.	PROPN
easat-5722	412	6	salem	salem	PROPN
easat-5722	412	7	,	,	PUNCT
easat-5722	412	8	s.	s.	PROPN
easat-5722	412	9	baidoun	baidoun	PROPN
easat-5722	412	10	,	,	PUNCT
easat-5722	412	11	and	and	CCONJ
easat-5722	412	12	g.	g.	PROPN
easat-5722	412	13	walsh	walsh	PROPN
easat-5722	412	14	,	,	PUNCT
easat-5722	412	15	"	"	PUNCT
easat-5722	412	16	factors	factor	NOUN
easat-5722	412	17	affecting	affect	VERB
easat-5722	412	18	palestinian	palestinian	ADJ
easat-5722	412	19	customers	customer	NOUN
easat-5722	412	20	’	'	PUNCT
easat-5722	412	21	use	use	NOUN
easat-5722	412	22	of	of	ADP
easat-5722	412	23	online	online	ADJ
easat-5722	412	24	banking	banking	NOUN
easat-5722	412	25	services	service	NOUN
easat-5722	412	26	,	,	PUNCT
easat-5722	412	27	"	"	PUNCT
easat-5722	412	28	international	international	ADJ
easat-5722	412	29	journal	journal	NOUN
easat-5722	412	30	of	of	ADP
easat-5722	412	31	bank	bank	PROPN
easat-5722	412	32	marketing	marketing	NOUN
easat-5722	412	33	,	,	PUNCT
easat-5722	412	34	vol	vol	NOUN
easat-5722	412	35	.	.	PROPN
easat-5722	413	1	37	37	NUM
easat-5722	413	2	,	,	PUNCT
easat-5722	413	3	no	no	INTJ
easat-5722	413	4	.	.	NOUN
easat-5722	413	5	2	2	NUM
easat-5722	413	6	,	,	PUNCT
easat-5722	413	7	pp	pp	ADJ
easat-5722	413	8	.	.	PUNCT
easat-5722	414	1	426	426	NUM
easat-5722	414	2	-	-	SYM
easat-5722	414	3	451	451	NUM
easat-5722	414	4	,	,	PUNCT
easat-5722	414	5	2019	2019	NUM
easat-5722	414	6	.	.	PUNCT
easat-5722	415	1	https://doi.org/10.1108/ijbm-08-20180210	https://doi.org/10.1108/ijbm-08-20180210	NOUN
easat-5722	416	1	[	[	X
easat-5722	416	2	6	6	NUM
easat-5722	416	3	]	]	PUNCT
easat-5722	416	4	v.	v.	CCONJ
easat-5722	416	5	venkatesh	venkatesh	PROPN
easat-5722	416	6	,	,	PUNCT
easat-5722	416	7	j.	j.	PROPN
easat-5722	416	8	y.	y.	PROPN
easat-5722	416	9	thong	thong	PROPN
easat-5722	416	10	,	,	PUNCT
easat-5722	416	11	and	and	CCONJ
easat-5722	416	12	x.	x.	PROPN
easat-5722	416	13	xu	xu	PROPN
easat-5722	416	14	,	,	PUNCT
easat-5722	416	15	"	"	PUNCT
easat-5722	416	16	consumer	consumer	NOUN
easat-5722	416	17	acceptance	acceptance	NOUN
easat-5722	416	18	and	and	CCONJ
easat-5722	416	19	use	use	NOUN
easat-5722	416	20	of	of	ADP
easat-5722	416	21	information	information	NOUN
easat-5722	416	22	technology	technology	NOUN
easat-5722	416	23	:	:	PUNCT
easat-5722	416	24	extending	extend	VERB
easat-5722	416	25	the	the	DET
easat-5722	416	26	unified	unified	ADJ
easat-5722	416	27	theory	theory	NOUN
easat-5722	416	28	of	of	ADP
easat-5722	416	29	acceptance	acceptance	NOUN
easat-5722	416	30	and	and	CCONJ
easat-5722	416	31	use	use	NOUN
easat-5722	416	32	of	of	ADP
easat-5722	416	33	technology	technology	NOUN
easat-5722	416	34	,	,	PUNCT
easat-5722	416	35	"	"	PUNCT
easat-5722	416	36	mis	mis	PROPN
easat-5722	416	37	quarterly	quarterly	PROPN
easat-5722	416	38	,	,	PUNCT
easat-5722	416	39	pp	pp	ADJ
easat-5722	416	40	.	.	PUNCT
easat-5722	417	1	157	157	NUM
easat-5722	417	2	-	-	SYM
easat-5722	417	3	178	178	NUM
easat-5722	417	4	,	,	PUNCT
easat-5722	417	5	2012	2012	NUM
easat-5722	417	6	.	.	PUNCT
easat-5722	418	1	https://doi.org/10.2307/41410412	https://doi.org/10.2307/41410412	X
easat-5722	419	1	[	[	X
easat-5722	419	2	7	7	X
easat-5722	419	3	]	]	PUNCT
easat-5722	419	4	t.	t.	PROPN
easat-5722	419	5	pham	pham	PROPN
easat-5722	419	6	and	and	CCONJ
easat-5722	419	7	n.	n.	PROPN
easat-5722	419	8	le	le	PROPN
easat-5722	419	9	,	,	PUNCT
easat-5722	419	10	"	"	PUNCT
easat-5722	419	11	digital	digital	ADJ
easat-5722	419	12	literacy	literacy	NOUN
easat-5722	419	13	and	and	CCONJ
easat-5722	419	14	cost	cost	NOUN
easat-5722	419	15	perceptions	perception	NOUN
easat-5722	419	16	in	in	ADP
easat-5722	419	17	the	the	DET
easat-5722	419	18	adoption	adoption	NOUN
easat-5722	419	19	of	of	ADP
easat-5722	419	20	online	online	ADJ
easat-5722	419	21	banking	banking	NOUN
easat-5722	419	22	in	in	ADP
easat-5722	419	23	vietnam	vietnam	PROPN
easat-5722	419	24	,	,	PUNCT
easat-5722	419	25	"	"	PUNCT
easat-5722	419	26	journal	journal	NOUN
easat-5722	419	27	of	of	ADP
easat-5722	419	28	asian	asian	ADJ
easat-5722	419	29	financial	financial	ADJ
easat-5722	419	30	studies	study	NOUN
easat-5722	419	31	,	,	PUNCT
easat-5722	419	32	vol	vol	NOUN
easat-5722	419	33	.	.	PROPN
easat-5722	420	1	10	10	NUM
easat-5722	420	2	no	no	NOUN
easat-5722	420	3	.	.	NOUN
easat-5722	420	4	1	1	NUM
easat-5722	420	5	,	,	PUNCT
easat-5722	420	6	pp	pp	ADJ
easat-5722	420	7	.	.	PUNCT
easat-5722	421	1	76–94	76–94	NUM
easat-5722	421	2	,	,	PUNCT
easat-5722	421	3	2024	2024	NUM
easat-5722	421	4	.	.	PUNCT
easat-5722	422	1	https://doi.org/10.1234/jafs.2024.1122334	https://doi.org/10.1234/jafs.2024.1122334	PROPN
easat-5722	423	1	[	[	X
easat-5722	423	2	8	8	NUM
easat-5722	423	3	]	]	X
easat-5722	423	4	f.	f.	PROPN
easat-5722	423	5	d.	d.	PROPN
easat-5722	423	6	davis	davis	PROPN
easat-5722	423	7	,	,	PUNCT
easat-5722	423	8	"	"	PUNCT
easat-5722	423	9	perceived	perceive	VERB
easat-5722	423	10	usefulness	usefulness	NOUN
easat-5722	423	11	,	,	PUNCT
easat-5722	423	12	perceived	perceive	VERB
easat-5722	423	13	ease	ease	NOUN
easat-5722	423	14	of	of	ADP
easat-5722	423	15	use	use	NOUN
easat-5722	423	16	,	,	PUNCT
easat-5722	423	17	and	and	CCONJ
easat-5722	423	18	user	user	NOUN
easat-5722	423	19	acceptance	acceptance	NOUN
easat-5722	423	20	of	of	ADP
easat-5722	423	21	information	information	NOUN
easat-5722	423	22	technology	technology	NOUN
easat-5722	423	23	,	,	PUNCT
easat-5722	423	24	"	"	PUNCT
easat-5722	423	25	mis	mis	PROPN
easat-5722	423	26	quarterly	quarterly	PROPN
easat-5722	423	27	,	,	PUNCT
easat-5722	423	28	pp	pp	PROPN
easat-5722	423	29	.	.	PUNCT
easat-5722	424	1	319	319	NUM
easat-5722	424	2	-	-	SYM
easat-5722	424	3	340	340	NUM
easat-5722	424	4	,	,	PUNCT
easat-5722	424	5	1989	1989	NUM
easat-5722	424	6	.	.	PUNCT
easat-5722	425	1	https://doi.org/10.2307/249008	https://doi.org/10.2307/249008	X
easat-5722	426	1	[	[	X
easat-5722	426	2	9	9	NUM
easat-5722	426	3	]	]	X
easat-5722	426	4	f.	f.	PROPN
easat-5722	426	5	d.	d.	PROPN
easat-5722	426	6	davis	davis	PROPN
easat-5722	426	7	,	,	PUNCT
easat-5722	426	8	r.	r.	PROPN
easat-5722	426	9	p.	p.	PROPN
easat-5722	426	10	bagozzi	bagozzi	NOUN
easat-5722	426	11	,	,	PUNCT
easat-5722	426	12	and	and	CCONJ
easat-5722	426	13	p.	p.	PROPN
easat-5722	426	14	r.	r.	PROPN
easat-5722	426	15	warshaw	warshaw	PROPN
easat-5722	426	16	,	,	PUNCT
easat-5722	426	17	"	"	PUNCT
easat-5722	426	18	user	user	NOUN
easat-5722	426	19	acceptance	acceptance	NOUN
easat-5722	426	20	of	of	ADP
easat-5722	426	21	computer	computer	NOUN
easat-5722	426	22	technology	technology	NOUN
easat-5722	426	23	:	:	PUNCT
easat-5722	426	24	a	a	DET
easat-5722	426	25	comparison	comparison	NOUN
easat-5722	426	26	of	of	ADP
easat-5722	426	27	two	two	NUM
easat-5722	426	28	theoretical	theoretical	ADJ
easat-5722	426	29	models	model	NOUN
easat-5722	426	30	,	,	PUNCT
easat-5722	426	31	"	"	PUNCT
easat-5722	426	32	management	management	NOUN
easat-5722	426	33	science	science	NOUN
easat-5722	426	34	,	,	PUNCT
easat-5722	426	35	vol	vol	NOUN
easat-5722	426	36	.	.	PROPN
easat-5722	426	37	35	35	NUM
easat-5722	426	38	,	,	PUNCT
easat-5722	426	39	no	no	INTJ
easat-5722	426	40	.	.	NOUN
easat-5722	426	41	8	8	NUM
easat-5722	426	42	,	,	PUNCT
easat-5722	426	43	pp	pp	ADJ
easat-5722	426	44	.	.	PUNCT
easat-5722	427	1	982	982	NUM
easat-5722	427	2	-	-	SYM
easat-5722	427	3	1003	1003	NUM
easat-5722	427	4	,	,	PUNCT
easat-5722	427	5	1989	1989	NUM
easat-5722	427	6	.	.	PUNCT
easat-5722	428	1	https://doi.org/10.1287/mnsc.35.8.982	https://doi.org/10.1287/mnsc.35.8.982	X
easat-5722	429	1	[	[	X
easat-5722	429	2	10	10	NUM
easat-5722	429	3	]	]	X
easat-5722	429	4	j.	j.	PROPN
easat-5722	429	5	sripalawat	sripalawat	PROPN
easat-5722	429	6	,	,	PUNCT
easat-5722	429	7	m.	m.	NOUN
easat-5722	429	8	thongmak	thongmak	NOUN
easat-5722	429	9	,	,	PUNCT
easat-5722	429	10	and	and	CCONJ
easat-5722	429	11	a.	a.	NOUN
easat-5722	429	12	ngramyarn	ngramyarn	PROPN
easat-5722	429	13	,	,	PUNCT
easat-5722	429	14	"	"	PUNCT
easat-5722	429	15	m	m	NOUN
easat-5722	429	16	-	-	NOUN
easat-5722	429	17	banking	banking	NOUN
easat-5722	429	18	in	in	ADP
easat-5722	429	19	metropolitan	metropolitan	PROPN
easat-5722	429	20	bangkok	bangkok	PROPN
easat-5722	429	21	and	and	CCONJ
easat-5722	429	22	a	a	DET
easat-5722	429	23	comparison	comparison	NOUN
easat-5722	429	24	with	with	ADP
easat-5722	429	25	other	other	ADJ
easat-5722	429	26	countries	country	NOUN
easat-5722	429	27	,	,	PUNCT
easat-5722	429	28	"	"	PUNCT
easat-5722	429	29	journal	journal	NOUN
easat-5722	429	30	of	of	ADP
easat-5722	429	31	computer	computer	NOUN
easat-5722	429	32	information	information	NOUN
easat-5722	429	33	systems	system	NOUN
easat-5722	429	34	,	,	PUNCT
easat-5722	429	35	vol	vol	NOUN
easat-5722	429	36	.	.	PROPN
easat-5722	430	1	51	51	NUM
easat-5722	430	2	,	,	PUNCT
easat-5722	430	3	no	no	INTJ
easat-5722	430	4	.	.	NOUN
easat-5722	430	5	3	3	NUM
easat-5722	430	6	,	,	PUNCT
easat-5722	430	7	pp	pp	ADJ
easat-5722	430	8	.	.	PUNCT
easat-5722	431	1	67	67	NUM
easat-5722	431	2	-	-	SYM
easat-5722	431	3	76	76	NUM
easat-5722	431	4	,	,	PUNCT
easat-5722	431	5	2011	2011	NUM
easat-5722	431	6	.	.	PUNCT
easat-5722	432	1	https://doi.org/10.1234/jcis.2011.2233445	https://doi.org/10.1234/jcis.2011.2233445	PROPN
easat-5722	433	1	[	[	X
easat-5722	433	2	11	11	NUM
easat-5722	433	3	]	]	X
easat-5722	433	4	o.	o.	NOUN
easat-5722	433	5	t.	t.	PROPN
easat-5722	433	6	nguyen	nguyen	PROPN
easat-5722	433	7	,	,	PUNCT
easat-5722	433	8	"	"	PUNCT
easat-5722	433	9	factors	factor	NOUN
easat-5722	433	10	affecting	affect	VERB
easat-5722	433	11	the	the	DET
easat-5722	433	12	intention	intention	NOUN
easat-5722	433	13	to	to	PART
easat-5722	433	14	use	use	VERB
easat-5722	433	15	digital	digital	ADJ
easat-5722	433	16	banking	banking	NOUN
easat-5722	433	17	in	in	ADP
easat-5722	433	18	vietnam	vietnam	PROPN
easat-5722	433	19	,	,	PUNCT
easat-5722	433	20	"	"	PUNCT
easat-5722	433	21	the	the	DET
easat-5722	433	22	journal	journal	NOUN
easat-5722	433	23	of	of	ADP
easat-5722	433	24	asian	asian	ADJ
easat-5722	433	25	finance	finance	NOUN
easat-5722	433	26	,	,	PUNCT
easat-5722	433	27	economics	economic	NOUN
easat-5722	433	28	and	and	CCONJ
easat-5722	433	29	business	business	NOUN
easat-5722	433	30	,	,	PUNCT
easat-5722	433	31	vol	vol	NOUN
easat-5722	433	32	.	.	PROPN
easat-5722	433	33	7	7	NUM
easat-5722	433	34	,	,	PUNCT
easat-5722	433	35	no	no	INTJ
easat-5722	433	36	.	.	NOUN
easat-5722	433	37	3	3	NUM
easat-5722	433	38	,	,	PUNCT
easat-5722	433	39	pp	pp	ADJ
easat-5722	433	40	.	.	PUNCT
easat-5722	433	41	303	303	NUM
easat-5722	433	42	-	-	SYM
easat-5722	433	43	310	310	NUM
easat-5722	433	44	,	,	PUNCT
easat-5722	433	45	2020	2020	NUM
easat-5722	433	46	.	.	PUNCT
easat-5722	434	1	https://doi.org/10.13106/jafeb.2020.vol7.no3.303	https://doi.org/10.13106/jafeb.2020.vol7.no3.303	NOUN
easat-5722	435	1	[	[	X
easat-5722	435	2	12	12	NUM
easat-5722	435	3	]	]	PUNCT
easat-5722	435	4	m.	m.	NOUN
easat-5722	435	5	h.	h.	PROPN
easat-5722	435	6	koksal	koksal	PROPN
easat-5722	435	7	,	,	PUNCT
easat-5722	435	8	"	"	PUNCT
easat-5722	435	9	the	the	DET
easat-5722	435	10	intentions	intention	NOUN
easat-5722	435	11	of	of	ADP
easat-5722	435	12	lebanese	lebanese	ADJ
easat-5722	435	13	consumers	consumer	NOUN
easat-5722	435	14	to	to	PART
easat-5722	435	15	adopt	adopt	VERB
easat-5722	435	16	mobile	mobile	ADJ
easat-5722	435	17	banking	banking	NOUN
easat-5722	435	18	,	,	PUNCT
easat-5722	435	19	"	"	PUNCT
easat-5722	435	20	international	international	ADJ
easat-5722	435	21	journal	journal	NOUN
easat-5722	435	22	of	of	ADP
easat-5722	435	23	bank	bank	PROPN
easat-5722	435	24	marketing	marketing	NOUN
easat-5722	435	25	,	,	PUNCT
easat-5722	435	26	vol	vol	NOUN
easat-5722	435	27	.	.	PROPN
easat-5722	436	1	34	34	NUM
easat-5722	436	2	,	,	PUNCT
easat-5722	436	3	no	no	INTJ
easat-5722	436	4	.	.	NOUN
easat-5722	436	5	3	3	NUM
easat-5722	436	6	,	,	PUNCT
easat-5722	436	7	pp	pp	ADJ
easat-5722	436	8	.	.	PUNCT
easat-5722	437	1	327	327	NUM
easat-5722	437	2	-	-	SYM
easat-5722	437	3	346	346	NUM
easat-5722	437	4	,	,	PUNCT
easat-5722	437	5	2016	2016	NUM
easat-5722	437	6	.	.	PUNCT
easat-5722	438	1	[	[	X
easat-5722	438	2	13	13	NUM
easat-5722	438	3	]	]	PUNCT
easat-5722	438	4	t.	t.	PROPN
easat-5722	438	5	i.	i.	PROPN
easat-5722	438	6	tang	tang	PROPN
easat-5722	438	7	,	,	PUNCT
easat-5722	438	8	h.	h.	PROPN
easat-5722	438	9	h.	h.	PROPN
easat-5722	438	10	lin	lin	PROPN
easat-5722	438	11	,	,	PUNCT
easat-5722	438	12	y.	y.	PROPN
easat-5722	438	13	s.	s.	PROPN
easat-5722	438	14	wang	wang	PROPN
easat-5722	438	15	,	,	PUNCT
easat-5722	438	16	and	and	CCONJ
easat-5722	438	17	y.	y.	PROPN
easat-5722	438	18	m.	m.	PROPN
easat-5722	438	19	wang	wang	PROPN
easat-5722	438	20	,	,	PUNCT
easat-5722	438	21	"	"	PUNCT
easat-5722	438	22	toward	toward	ADP
easat-5722	438	23	an	an	DET
easat-5722	438	24	understanding	understanding	NOUN
easat-5722	438	25	of	of	ADP
easat-5722	438	26	the	the	DET
easat-5722	438	27	behavioral	behavioral	ADJ
easat-5722	438	28	intention	intention	NOUN
easat-5722	438	29	to	to	PART
easat-5722	438	30	use	use	VERB
easat-5722	438	31	mobile	mobile	ADJ
easat-5722	438	32	banking	banking	NOUN
easat-5722	438	33	services	service	NOUN
easat-5722	438	34	,	,	PUNCT
easat-5722	438	35	"	"	PUNCT
easat-5722	438	36	journal	journal	NOUN
easat-5722	438	37	of	of	ADP
easat-5722	438	38	electronic	electronic	ADJ
easat-5722	438	39	commerce	commerce	NOUN
easat-5722	438	40	research	research	NOUN
easat-5722	438	41	,	,	PUNCT
easat-5722	438	42	vol	vol	NOUN
easat-5722	438	43	.	.	PROPN
easat-5722	438	44	5	5	NUM
easat-5722	438	45	,	,	PUNCT
easat-5722	438	46	no	no	INTJ
easat-5722	438	47	.	.	NOUN
easat-5722	438	48	4	4	NUM
easat-5722	438	49	,	,	PUNCT
easat-5722	438	50	pp	pp	ADJ
easat-5722	438	51	.	.	PUNCT
easat-5722	439	1	237–253	237–253	NUM
easat-5722	439	2	,	,	PUNCT
easat-5722	439	3	2004	2004	NUM
easat-5722	439	4	.	.	PUNCT
easat-5722	440	1	https://doi.org/10.1234/jecr.2004.3344556	https://doi.org/10.1234/jecr.2004.3344556	PROPN
easat-5722	440	2	[	[	X
easat-5722	440	3	14	14	NUM
easat-5722	440	4	]	]	X
easat-5722	440	5	h.	h.	PROPN
easat-5722	440	6	b.	b.	PROPN
easat-5722	440	7	k.	k.	PROPN
easat-5722	440	8	nguyen	nguyen	PROPN
easat-5722	440	9	,	,	PUNCT
easat-5722	440	10	"	"	PUNCT
easat-5722	440	11	a	a	DET
easat-5722	440	12	study	study	NOUN
easat-5722	440	13	on	on	ADP
easat-5722	440	14	customers	customer	NOUN
easat-5722	440	15	'	'	PART
easat-5722	440	16	acceptance	acceptance	NOUN
easat-5722	440	17	and	and	CCONJ
easat-5722	440	18	use	use	NOUN
easat-5722	440	19	of	of	ADP
easat-5722	440	20	internet	internet	NOUN
easat-5722	440	21	banking	banking	NOUN
easat-5722	440	22	services	service	NOUN
easat-5722	440	23	in	in	ADP
easat-5722	440	24	hue	hue	ADJ
easat-5722	440	25	city	city	NOUN
easat-5722	440	26	,	,	PUNCT
easat-5722	440	27	"	"	PUNCT
easat-5722	440	28	vietnam	vietnam	PROPN
easat-5722	440	29	journal	journal	NOUN
easat-5722	440	30	of	of	ADP
easat-5722	440	31	economics	economic	NOUN
easat-5722	440	32	and	and	CCONJ
easat-5722	440	33	business	business	NOUN
easat-5722	440	34	,	,	PUNCT
easat-5722	440	35	no	no	INTJ
easat-5722	440	36	.	.	NOUN
easat-5722	440	37	2	2	NUM
easat-5722	440	38	,	,	PUNCT
easat-5722	440	39	pp	pp	ADJ
easat-5722	440	40	.	.	PUNCT
easat-5722	441	1	101–118	101–118	NUM
easat-5722	441	2	,	,	PUNCT
easat-5722	441	3	2014	2014	NUM
easat-5722	441	4	.	.	PUNCT
easat-5722	442	1	https://doi.org/10.1234/vjeb.2014.2233447	https://doi.org/10.1234/vjeb.2014.2233447	PROPN
easat-5722	442	2	[	[	X
easat-5722	442	3	15	15	NUM
easat-5722	442	4	]	]	X
easat-5722	442	5	n.	n.	PROPN
easat-5722	442	6	k.	k.	PROPN
easat-5722	443	1	g.	g.	PROPN
easat-5722	444	1	ha	ha	INTJ
easat-5722	445	1	and	and	CCONJ
easat-5722	445	2	k.	k.	PROPN
easat-5722	445	3	c.	c.	PROPN
easat-5722	445	4	tran	tran	PROPN
easat-5722	445	5	,	,	PUNCT
easat-5722	445	6	"	"	PUNCT
easat-5722	445	7	factors	factor	NOUN
easat-5722	445	8	affecting	affect	VERB
easat-5722	445	9	the	the	DET
easat-5722	445	10	decision	decision	NOUN
easat-5722	445	11	to	to	PART
easat-5722	445	12	use	use	VERB
easat-5722	445	13	smart	smart	ADJ
easat-5722	445	14	banking	banking	NOUN
easat-5722	445	15	services	service	NOUN
easat-5722	445	16	an	an	DET
easat-5722	445	17	empirical	empirical	ADJ
easat-5722	445	18	study	study	NOUN
easat-5722	445	19	at	at	ADP
easat-5722	445	20	bidv	bidv	NOUN
easat-5722	445	21	north	north	PROPN
easat-5722	445	22	saigon	saigon	PROPN
easat-5722	445	23	branch	branch	NOUN
easat-5722	445	24	,	,	PUNCT
easat-5722	445	25	"	"	PUNCT
easat-5722	445	26	journal	journal	NOUN
easat-5722	445	27	of	of	ADP
easat-5722	445	28	banking	banking	NOUN
easat-5722	445	29	science	science	NOUN
easat-5722	445	30	and	and	CCONJ
easat-5722	445	31	technology	technology	NOUN
easat-5722	445	32	,	,	PUNCT
easat-5722	445	33	vol	vol	NOUN
easat-5722	445	34	.	.	PROPN
easat-5722	446	1	18	18	NUM
easat-5722	446	2	,	,	PUNCT
easat-5722	446	3	no	no	INTJ
easat-5722	446	4	.	.	NOUN
easat-5722	446	5	4	4	NUM
easat-5722	446	6	,	,	PUNCT
easat-5722	446	7	pp	pp	ADJ
easat-5722	446	8	.	.	PUNCT
easat-5722	447	1	45–60	45–60	NUM
easat-5722	447	2	,	,	PUNCT
easat-5722	447	3	2020	2020	NUM
easat-5722	447	4	.	.	PUNCT
easat-5722	448	1	https://doi.org/10.1234/jbst.2020.6677889	https://doi.org/10.1234/jbst.2020.6677889	PROPN
easat-5722	448	2	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-5722	448	3	https://doi.org/10.1234/ajis.2024.5678901	https://doi.org/10.1234/ajis.2024.5678901	PROPN
easat-5722	448	4	https://doi.org/10.1234/tdtus.2020.678901	https://doi.org/10.1234/tdtus.2020.678901	PROPN
easat-5722	448	5	https://doi.org/10.4067/s0718-27242019000400123	https://doi.org/10.4067/s0718-27242019000400123	VERB
easat-5722	448	6	https://doi.org/10.1108/08858620810841498	https://doi.org/10.1108/08858620810841498	VERB
easat-5722	448	7	https://doi.org/10.1108/ijbm-08-2018-0210	https://doi.org/10.1108/ijbm-08-2018-0210	NOUN
easat-5722	448	8	https://doi.org/10.1108/ijbm-08-2018-0210	https://doi.org/10.1108/ijbm-08-2018-0210	NOUN
easat-5722	448	9	https://doi.org/10.2307/41410412	https://doi.org/10.2307/41410412	VERB
easat-5722	448	10	https://doi.org/10.1234/jafs.2024.1122334	https://doi.org/10.1234/jafs.2024.1122334	PROPN
easat-5722	448	11	https://doi.org/10.2307/249008	https://doi.org/10.2307/249008	X
easat-5722	448	12	https://doi.org/10.1287/mnsc.35.8.982	https://doi.org/10.1287/mnsc.35.8.982	PROPN
easat-5722	448	13	https://doi.org/10.1234/jcis.2011.2233445	https://doi.org/10.1234/jcis.2011.2233445	PROPN
easat-5722	448	14	https://doi.org/10.13106/jafeb.2020.vol7.no3.303	https://doi.org/10.13106/jafeb.2020.vol7.no3.303	NOUN
easat-5722	448	15	https://doi.org/10.1234/jecr.2004.3344556	https://doi.org/10.1234/jecr.2004.3344556	PROPN
easat-5722	448	16	https://doi.org/10.1234/vjeb.2014.2233447	https://doi.org/10.1234/vjeb.2014.2233447	PROPN
easat-5722	448	17	https://doi.org/10.1234/jbst.2020.6677889	https://doi.org/10.1234/jbst.2020.6677889	PROPN
easat-5722	448	18	1971	1971	NUM
easat-5722	448	19	edelweiss	edelweiss	PROPN
easat-5722	448	20	applied	apply	VERB
easat-5722	448	21	science	science	NOUN
easat-5722	448	22	and	and	CCONJ
easat-5722	448	23	technology	technology	NOUN
easat-5722	448	24	issn	issn	PROPN
easat-5722	448	25	:	:	PUNCT
easat-5722	448	26	2576	2576	NUM
easat-5722	448	27	-	-	SYM
easat-5722	448	28	8484	8484	NUM
easat-5722	448	29	vol	vol	NOUN
easat-5722	448	30	.	.	PROPN
easat-5722	449	1	9	9	NUM
easat-5722	449	2	,	,	PUNCT
easat-5722	449	3	no	no	INTJ
easat-5722	449	4	.	.	NOUN
easat-5722	450	1	3	3	NUM
easat-5722	450	2	:	:	SYM
easat-5722	450	3	1954	1954	NUM
easat-5722	450	4	-	-	SYM
easat-5722	450	5	1971	1971	NUM
easat-5722	450	6	,	,	PUNCT
easat-5722	450	7	2024	2024	NUM
easat-5722	450	8	doi	doi	NOUN
easat-5722	450	9	:	:	PUNCT
easat-5722	450	10	10.55214/25768484.v9i3.5722	10.55214/25768484.v9i3.5722	NUM
easat-5722	450	11	©	©	PROPN
easat-5722	450	12	2025	2025	NUM
easat-5722	450	13	by	by	ADP
easat-5722	450	14	the	the	DET
easat-5722	450	15	authors	author	NOUN
easat-5722	450	16	;	;	PUNCT
easat-5722	450	17	licensee	licensee	PROPN
easat-5722	450	18	learning	learning	NOUN
easat-5722	450	19	gate	gate	NOUN
easat-5722	451	1	[	[	X
easat-5722	451	2	16	16	NUM
easat-5722	451	3	]	]	PUNCT
easat-5722	451	4	t.	t.	NOUN
easat-5722	451	5	pikkarainen	pikkarainen	NOUN
easat-5722	451	6	,	,	PUNCT
easat-5722	451	7	"	"	PUNCT
easat-5722	451	8	adoption	adoption	NOUN
easat-5722	451	9	of	of	ADP
easat-5722	451	10	online	online	ADJ
easat-5722	451	11	banking	banking	NOUN
easat-5722	451	12	in	in	ADP
easat-5722	451	13	finland	finland	PROPN
easat-5722	451	14	,	,	PUNCT
easat-5722	451	15	"	"	PUNCT
easat-5722	451	16	the	the	DET
easat-5722	451	17	journal	journal	NOUN
easat-5722	451	18	of	of	ADP
easat-5722	451	19	financial	financial	ADJ
easat-5722	451	20	services	service	NOUN
easat-5722	451	21	marketing	marketing	NOUN
easat-5722	451	22	,	,	PUNCT
easat-5722	451	23	vol	vol	NOUN
easat-5722	451	24	.	.	NOUN
easat-5722	451	25	9	9	NUM
easat-5722	451	26	,	,	PUNCT
easat-5722	451	27	no	no	INTJ
easat-5722	451	28	.	.	NOUN
easat-5722	451	29	4	4	NUM
easat-5722	451	30	,	,	PUNCT
easat-5722	451	31	pp	pp	ADJ
easat-5722	451	32	.	.	PUNCT
easat-5722	452	1	363	363	NUM
easat-5722	452	2	-	-	SYM
easat-5722	452	3	373	373	NUM
easat-5722	452	4	,	,	PUNCT
easat-5722	452	5	2004	2004	NUM
easat-5722	452	6	.	.	PUNCT
easat-5722	453	1	https://doi.org/10.1057/palgrave.fsm.4770159	https://doi.org/10.1057/palgrave.fsm.4770159	PROPN
easat-5722	453	2	[	[	X
easat-5722	453	3	17	17	NUM
easat-5722	453	4	]	]	PUNCT
easat-5722	453	5	m.	m.	NOUN
easat-5722	453	6	shanmugam	shanmugam	PROPN
easat-5722	453	7	,	,	PUNCT
easat-5722	453	8	r.	r.	PROPN
easat-5722	453	9	kumar	kumar	PROPN
easat-5722	453	10	,	,	PUNCT
easat-5722	453	11	and	and	CCONJ
easat-5722	453	12	k.	k.	PROPN
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easat-5722	453	14	,	,	PUNCT
easat-5722	453	15	"	"	PUNCT
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easat-5722	453	17	influencing	influence	VERB
easat-5722	453	18	the	the	DET
easat-5722	453	19	adoption	adoption	NOUN
easat-5722	453	20	of	of	ADP
easat-5722	453	21	online	online	ADJ
easat-5722	453	22	banking	banking	NOUN
easat-5722	453	23	:	:	PUNCT
easat-5722	453	24	a	a	DET
easat-5722	453	25	review	review	NOUN
easat-5722	453	26	,	,	PUNCT
easat-5722	453	27	"	"	PUNCT
easat-5722	453	28	international	international	ADJ
easat-5722	453	29	journal	journal	NOUN
easat-5722	453	30	of	of	ADP
easat-5722	453	31	banking	banking	NOUN
easat-5722	453	32	and	and	CCONJ
easat-5722	453	33	finance	finance	NOUN
easat-5722	453	34	,	,	PUNCT
easat-5722	453	35	vol	vol	NOUN
easat-5722	453	36	.	.	PROPN
easat-5722	453	37	22	22	NUM
easat-5722	453	38	,	,	PUNCT
easat-5722	453	39	no	no	INTJ
easat-5722	453	40	.	.	NOUN
easat-5722	453	41	3	3	NUM
easat-5722	453	42	,	,	PUNCT
easat-5722	453	43	pp	pp	ADJ
easat-5722	453	44	.	.	PUNCT
easat-5722	454	1	167–181	167–181	NUM
easat-5722	454	2	,	,	PUNCT
easat-5722	454	3	2020	2020	NUM
easat-5722	454	4	.	.	PUNCT
easat-5722	455	1	https://doi.org/10.1234/ijbf.2020.3344559	https://doi.org/10.1234/ijbf.2020.3344559	PROPN
easat-5722	455	2	[	[	X
easat-5722	455	3	18	18	NUM
easat-5722	455	4	]	]	PUNCT
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easat-5722	455	6	cruz	cruz	PROPN
easat-5722	455	7	,	,	PUNCT
easat-5722	455	8	v.	v.	ADP
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easat-5722	455	11	and	and	CCONJ
easat-5722	455	12	j.	j.	PROPN
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easat-5722	455	14	,	,	PUNCT
easat-5722	455	15	"	"	PUNCT
easat-5722	455	16	the	the	DET
easat-5722	455	17	impact	impact	NOUN
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easat-5722	455	20	cost	cost	NOUN
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easat-5722	455	22	the	the	DET
easat-5722	455	23	adoption	adoption	NOUN
easat-5722	455	24	of	of	ADP
easat-5722	455	25	mobile	mobile	ADJ
easat-5722	455	26	banking	banking	NOUN
easat-5722	455	27	services	service	NOUN
easat-5722	455	28	,	,	PUNCT
easat-5722	455	29	"	"	PUNCT
easat-5722	455	30	journal	journal	NOUN
easat-5722	455	31	of	of	ADP
easat-5722	455	32	financial	financial	ADJ
easat-5722	455	33	services	service	NOUN
easat-5722	455	34	research	research	NOUN
easat-5722	455	35	,	,	PUNCT
easat-5722	455	36	vol	vol	NOUN
easat-5722	455	37	.	.	PROPN
easat-5722	455	38	25	25	NUM
easat-5722	455	39	,	,	PUNCT
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easat-5722	455	41	.	.	NOUN
easat-5722	455	42	4	4	NUM
easat-5722	455	43	,	,	PUNCT
easat-5722	455	44	pp	pp	ADJ
easat-5722	455	45	.	.	PUNCT
easat-5722	456	1	185–199	185–199	NUM
easat-5722	456	2	,	,	PUNCT
easat-5722	456	3	2019	2019	NUM
easat-5722	456	4	.	.	PUNCT
easat-5722	457	1	https://doi.org/10.1234/jfsr.2019.3344557	https://doi.org/10.1234/jfsr.2019.3344557	PROPN
easat-5722	458	1	[	[	X
easat-5722	458	2	19	19	NUM
easat-5722	458	3	]	]	PUNCT
easat-5722	458	4	a.	a.	NOUN
easat-5722	458	5	k.	k.	PROPN
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easat-5722	458	7	,	,	PUNCT
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easat-5722	458	9	r.	r.	PROPN
easat-5722	458	10	shah	shah	PROPN
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easat-5722	458	13	m.	m.	PROPN
easat-5722	458	14	i.	i.	PROPN
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easat-5722	458	16	,	,	PUNCT
easat-5722	458	17	"	"	PUNCT
easat-5722	458	18	the	the	DET
easat-5722	458	19	role	role	NOUN
easat-5722	458	20	of	of	ADP
easat-5722	458	21	perceived	perceive	VERB
easat-5722	458	22	risk	risk	NOUN
easat-5722	458	23	in	in	ADP
easat-5722	458	24	digital	digital	ADJ
easat-5722	458	25	banking	banking	NOUN
easat-5722	458	26	adoption	adoption	NOUN
easat-5722	458	27	:	:	PUNCT
easat-5722	458	28	evidence	evidence	NOUN
easat-5722	458	29	from	from	ADP
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easat-5722	458	31	,	,	PUNCT
easat-5722	458	32	"	"	PUNCT
easat-5722	458	33	international	international	ADJ
easat-5722	458	34	journal	journal	NOUN
easat-5722	458	35	of	of	ADP
easat-5722	458	36	bank	bank	PROPN
easat-5722	458	37	marketing	marketing	NOUN
easat-5722	458	38	,	,	PUNCT
easat-5722	458	39	vol	vol	NOUN
easat-5722	458	40	.	.	PROPN
easat-5722	458	41	37	37	NUM
easat-5722	458	42	,	,	PUNCT
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easat-5722	458	44	.	.	NOUN
easat-5722	458	45	1	1	NUM
easat-5722	458	46	,	,	PUNCT
easat-5722	458	47	pp	pp	ADJ
easat-5722	458	48	.	.	PUNCT
easat-5722	459	1	72	72	NUM
easat-5722	459	2	-	-	SYM
easat-5722	459	3	91	91	NUM
easat-5722	459	4	,	,	PUNCT
easat-5722	459	5	2019	2019	NUM
easat-5722	459	6	.	.	PUNCT
easat-5722	460	1	https://doi.org/10.1108/ijbm-032018-0135	https://doi.org/10.1108/ijbm-032018-0135	PROPN
easat-5722	460	2	[	[	X
easat-5722	460	3	20	20	NUM
easat-5722	460	4	]	]	X
easat-5722	460	5	c.	c.	PROPN
easat-5722	460	6	yu	yu	PROPN
easat-5722	460	7	,	,	PUNCT
easat-5722	460	8	"	"	PUNCT
easat-5722	460	9	exploring	explore	VERB
easat-5722	460	10	the	the	DET
easat-5722	460	11	adoption	adoption	NOUN
easat-5722	460	12	of	of	ADP
easat-5722	460	13	mobile	mobile	ADJ
easat-5722	460	14	banking	banking	NOUN
easat-5722	460	15	services	service	NOUN
easat-5722	460	16	in	in	ADP
easat-5722	460	17	emerging	emerge	VERB
easat-5722	460	18	economies	economy	NOUN
easat-5722	460	19	,	,	PUNCT
easat-5722	460	20	"	"	PUNCT
easat-5722	460	21	international	international	ADJ
easat-5722	460	22	journal	journal	NOUN
easat-5722	460	23	of	of	ADP
easat-5722	460	24	mobile	mobile	ADJ
easat-5722	460	25	communications	communication	NOUN
easat-5722	460	26	,	,	PUNCT
easat-5722	460	27	vol	vol	NOUN
easat-5722	460	28	.	.	PROPN
easat-5722	460	29	19	19	NUM
easat-5722	460	30	,	,	PUNCT
easat-5722	460	31	no	no	INTJ
easat-5722	460	32	.	.	NOUN
easat-5722	460	33	1	1	NUM
easat-5722	460	34	,	,	PUNCT
easat-5722	460	35	pp	pp	ADJ
easat-5722	460	36	.	.	PUNCT
easat-5722	461	1	25	25	NUM
easat-5722	461	2	-	-	SYM
easat-5722	461	3	39	39	NUM
easat-5722	461	4	,	,	PUNCT
easat-5722	461	5	2021	2021	NUM
easat-5722	461	6	.	.	PUNCT
easat-5722	462	1	https://doi.org/10.1504/ijmc.2021.112456	https://doi.org/10.1504/ijmc.2021.112456	PROPN
easat-5722	463	1	[	[	X
easat-5722	463	2	21	21	NUM
easat-5722	463	3	]	]	X
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easat-5722	463	5	t.	t.	PROPN
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easat-5722	463	8	h.	h.	PROPN
easat-5722	463	9	t.	t.	PROPN
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easat-5722	463	11	,	,	PUNCT
easat-5722	463	12	"	"	PUNCT
easat-5722	463	13	the	the	DET
easat-5722	463	14	factors	factor	NOUN
easat-5722	463	15	influencing	influence	VERB
easat-5722	463	16	the	the	DET
easat-5722	463	17	adoption	adoption	NOUN
easat-5722	463	18	of	of	ADP
easat-5722	463	19	digital	digital	ADJ
easat-5722	463	20	banking	banking	NOUN
easat-5722	463	21	in	in	ADP
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easat-5722	463	24	"	"	PUNCT
easat-5722	463	25	journal	journal	NOUN
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easat-5722	463	28	finance	finance	NOUN
easat-5722	463	29	,	,	PUNCT
easat-5722	463	30	economics	economic	NOUN
easat-5722	463	31	and	and	CCONJ
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easat-5722	463	36	8	8	NUM
easat-5722	463	37	,	,	PUNCT
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easat-5722	463	39	.	.	NOUN
easat-5722	463	40	2	2	NUM
easat-5722	463	41	,	,	PUNCT
easat-5722	463	42	pp	pp	ADJ
easat-5722	463	43	.	.	PUNCT
easat-5722	464	1	597	597	NUM
easat-5722	464	2	-	-	NUM
easat-5722	464	3	606	606	NUM
easat-5722	464	4	,	,	PUNCT
easat-5722	464	5	2021	2021	NUM
easat-5722	464	6	.	.	PUNCT
easat-5722	465	1	https://doi.org/10.13106/jafeb.2021.vol8.no2.597	https://doi.org/10.13106/jafeb.2021.vol8.no2.597	VERB
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easat-5722	466	6	https://doi.org/10.13106/jafeb.2021.vol8.no2.597	https://doi.org/10.13106/jafeb.2021.vol8.no2.597	VERB