id	sid	tid	token	lemma	pos
easat-7791	1	1	edelweiss	edelweiss	PROPN
easat-7791	1	2	applied	apply	VERB
easat-7791	1	3	science	science	NOUN
easat-7791	1	4	and	and	CCONJ
easat-7791	1	5	technology	technology	NOUN
easat-7791	1	6	issn	issn	PROPN
easat-7791	1	7	:	:	PUNCT
easat-7791	1	8	2576	2576	NUM
easat-7791	1	9	-	-	SYM
easat-7791	1	10	8484	8484	NUM
easat-7791	1	11	vol	vol	NOUN
easat-7791	1	12	.	.	PROPN
easat-7791	2	1	9	9	NUM
easat-7791	2	2	,	,	PUNCT
easat-7791	2	3	no	no	INTJ
easat-7791	2	4	.	.	NOUN
easat-7791	2	5	6	6	NUM
easat-7791	2	6	,	,	PUNCT
easat-7791	2	7	242	242	NUM
easat-7791	2	8	-	-	SYM
easat-7791	2	9	252	252	NUM
easat-7791	2	10	2025	2025	NUM
easat-7791	2	11	publisher	publisher	NOUN
easat-7791	2	12	:	:	PUNCT
easat-7791	2	13	learning	learn	VERB
easat-7791	2	14	gate	gate	NOUN
easat-7791	2	15	doi	doi	PROPN
easat-7791	2	16	:	:	PUNCT
easat-7791	2	17	10.55214/25768484.v9i6.7791	10.55214/25768484.v9i6.7791	NUM
easat-7791	2	18	©	©	PROPN
easat-7791	2	19	2025	2025	NUM
easat-7791	2	20	by	by	ADP
easat-7791	2	21	the	the	DET
easat-7791	2	22	authors	author	NOUN
easat-7791	2	23	;	;	PUNCT
easat-7791	2	24	licensee	licensee	PROPN
easat-7791	2	25	learning	learning	NOUN
easat-7791	2	26	gate	gate	NOUN
easat-7791	3	1	©	©	PROPN
easat-7791	3	2	2025	2025	NUM
easat-7791	3	3	by	by	ADP
easat-7791	3	4	the	the	DET
easat-7791	3	5	authors	author	NOUN
easat-7791	3	6	;	;	PUNCT
easat-7791	3	7	licensee	licensee	PROPN
easat-7791	3	8	learning	learning	NOUN
easat-7791	3	9	gate	gate	NOUN
easat-7791	3	10	history	history	NOUN
easat-7791	3	11	:	:	PUNCT
easat-7791	3	12	received	receive	VERB
easat-7791	3	13	:	:	PUNCT
easat-7791	3	14	21	21	NUM
easat-7791	3	15	march	march	NOUN
easat-7791	3	16	2025	2025	NUM
easat-7791	3	17	;	;	PUNCT
easat-7791	3	18	revised	revise	VERB
easat-7791	3	19	:	:	PUNCT
easat-7791	3	20	11	11	NUM
easat-7791	3	21	may	may	PROPN
easat-7791	3	22	2025	2025	NUM
easat-7791	3	23	;	;	PUNCT
easat-7791	3	24	accepted	accept	VERB
easat-7791	3	25	:	:	PUNCT
easat-7791	3	26	16	16	NUM
easat-7791	3	27	may	may	PROPN
easat-7791	3	28	2025	2025	NUM
easat-7791	3	29	;	;	PUNCT
easat-7791	3	30	published	publish	VERB
easat-7791	3	31	:	:	PUNCT
easat-7791	3	32	3	3	NUM
easat-7791	3	33	june	june	PROPN
easat-7791	3	34	2025	2025	NUM
easat-7791	3	35	*	*	PUNCT
easat-7791	3	36	correspondence	correspondence	NOUN
easat-7791	3	37	:	:	PUNCT
easat-7791	4	1	rahma.ulfa.2204139@students.um.ac.id	rahma.ulfa.2204139@students.um.ac.id	ADJ
easat-7791	4	2	adoption	adoption	NOUN
easat-7791	4	3	a	a	DET
easat-7791	4	4	payment	payment	NOUN
easat-7791	4	5	fintech	fintech	NOUN
easat-7791	4	6	service	service	NOUN
easat-7791	4	7	by	by	ADP
easat-7791	4	8	food	food	NOUN
easat-7791	4	9	and	and	CCONJ
easat-7791	4	10	beverage	beverage	NOUN
easat-7791	4	11	msmes	msme	NOUN
easat-7791	4	12	:	:	PUNCT
easat-7791	4	13	evidence	evidence	NOUN
easat-7791	4	14	from	from	ADP
easat-7791	4	15	east	east	PROPN
easat-7791	4	16	java	java	PROPN
easat-7791	4	17	indonesia	indonesia	PROPN
easat-7791	4	18	rahma	rahma	PROPN
easat-7791	4	19	ulfa	ulfa	PROPN
easat-7791	4	20	maghfiroh1	maghfiroh1	PROPN
easat-7791	4	21	*	*	PROPN
easat-7791	4	22	,	,	PUNCT
easat-7791	4	23	ery	ery	PROPN
easat-7791	4	24	tri	tri	PROPN
easat-7791	4	25	djatmika2	djatmika2	PROPN
easat-7791	4	26	,	,	PUNCT
easat-7791	4	27	puji	puji	PROPN
easat-7791	4	28	handayati3	handayati3	PROPN
easat-7791	4	29	,	,	PUNCT
easat-7791	4	30	cipto	cipto	ADJ
easat-7791	4	31	wardoyo4	wardoyo4	NOUN
easat-7791	4	32	1faculty	1faculty	NUM
easat-7791	4	33	of	of	ADP
easat-7791	4	34	economics	economic	NOUN
easat-7791	4	35	and	and	CCONJ
easat-7791	4	36	business	business	NOUN
easat-7791	4	37	,	,	PUNCT
easat-7791	4	38	universitas	universita	NOUN
easat-7791	4	39	negeri	negeri	PROPN
easat-7791	4	40	malang	malang	PROPN
easat-7791	4	41	,	,	PUNCT
easat-7791	4	42	malang	malang	PROPN
easat-7791	4	43	,	,	PUNCT
easat-7791	4	44	indonesia	indonesia	PROPN
easat-7791	4	45	.	.	PUNCT
easat-7791	5	1	rahma.ulfa.2204139@students.um.ac.id	rahma.ulfa.2204139@students.um.ac.id	PROPN
easat-7791	5	2	(	(	PUNCT
easat-7791	5	3	r.u.m	r.u.m	NOUN
easat-7791	5	4	.	.	PUNCT
easat-7791	5	5	)	)	PUNCT
easat-7791	5	6	.	.	PUNCT
easat-7791	6	1	1department	1department	NUM
easat-7791	6	2	of	of	ADP
easat-7791	6	3	management	management	NOUN
easat-7791	6	4	,	,	PUNCT
easat-7791	6	5	faculty	faculty	NOUN
easat-7791	6	6	of	of	ADP
easat-7791	6	7	sharia	sharia	PROPN
easat-7791	6	8	economics	economic	NOUN
easat-7791	6	9	and	and	CCONJ
easat-7791	6	10	business	business	NOUN
easat-7791	6	11	,	,	PUNCT
easat-7791	6	12	uin	uin	PROPN
easat-7791	6	13	sunan	sunan	PROPN
easat-7791	6	14	ampel	ampel	PROPN
easat-7791	6	15	surabaya	surabaya	PROPN
easat-7791	6	16	,	,	PUNCT
easat-7791	6	17	surabaya	surabaya	PROPN
easat-7791	6	18	,	,	PUNCT
easat-7791	6	19	indonesia	indonesia	PROPN
easat-7791	6	20	.	.	PUNCT
easat-7791	7	1	2.3universitas	2.3universitas	NUM
easat-7791	7	2	negeri	negeri	PROPN
easat-7791	7	3	malang	malang	PROPN
easat-7791	7	4	,	,	PUNCT
easat-7791	7	5	indonesia	indonesia	PROPN
easat-7791	7	6	.	.	PUNCT
easat-7791	8	1	4department	4department	NUM
easat-7791	8	2	of	of	ADP
easat-7791	8	3	management	management	NOUN
easat-7791	8	4	,	,	PUNCT
easat-7791	8	5	faculty	faculty	NOUN
easat-7791	8	6	of	of	ADP
easat-7791	8	7	economics	economic	NOUN
easat-7791	8	8	and	and	CCONJ
easat-7791	8	9	business	business	NOUN
easat-7791	8	10	,	,	PUNCT
easat-7791	8	11	universitas	universita	NOUN
easat-7791	8	12	negeri	negeri	PROPN
easat-7791	8	13	malang	malang	PROPN
easat-7791	8	14	,	,	PUNCT
easat-7791	8	15	indonesia	indonesia	PROPN
easat-7791	8	16	.	.	PUNCT
easat-7791	9	1	abstract	abstract	PROPN
easat-7791	9	2	:	:	PUNCT
easat-7791	9	3	this	this	DET
easat-7791	9	4	study	study	NOUN
easat-7791	9	5	uses	use	VERB
easat-7791	9	6	the	the	DET
easat-7791	9	7	technology	technology	NOUN
easat-7791	9	8	acceptance	acceptance	NOUN
easat-7791	9	9	model	model	NOUN
easat-7791	9	10	(	(	PUNCT
easat-7791	9	11	tam	tam	NOUN
easat-7791	9	12	)	)	PUNCT
easat-7791	9	13	approach	approach	NOUN
easat-7791	9	14	to	to	PART
easat-7791	9	15	identify	identify	VERB
easat-7791	9	16	the	the	DET
easat-7791	9	17	characteristics	characteristic	NOUN
easat-7791	9	18	influencing	influence	VERB
easat-7791	9	19	msmes	msme	NOUN
easat-7791	9	20	'	'	PART
easat-7791	9	21	desire	desire	NOUN
easat-7791	9	22	to	to	PART
easat-7791	9	23	use	use	VERB
easat-7791	9	24	fintech	fintech	NOUN
easat-7791	9	25	for	for	ADP
easat-7791	9	26	payments	payment	NOUN
easat-7791	9	27	.	.	PUNCT
easat-7791	10	1	the	the	DET
easat-7791	10	2	participants	participant	NOUN
easat-7791	10	3	in	in	ADP
easat-7791	10	4	this	this	DET
easat-7791	10	5	study	study	NOUN
easat-7791	10	6	were	be	AUX
easat-7791	10	7	indonesian	indonesian	ADJ
easat-7791	10	8	msmes	msme	NOUN
easat-7791	10	9	adopting	adopt	VERB
easat-7791	10	10	digital	digital	ADJ
easat-7791	10	11	payments	payment	NOUN
easat-7791	10	12	among	among	ADP
easat-7791	10	13	msmes	msme	NOUN
easat-7791	10	14	in	in	ADP
easat-7791	10	15	surabaya	surabaya	PROPN
easat-7791	10	16	’s	’s	PART
easat-7791	10	17	food	food	NOUN
easat-7791	10	18	and	and	CCONJ
easat-7791	10	19	beverage	beverage	NOUN
easat-7791	10	20	industry	industry	NOUN
easat-7791	10	21	.	.	PUNCT
easat-7791	11	1	this	this	DET
easat-7791	11	2	study	study	NOUN
easat-7791	11	3	employs	employ	VERB
easat-7791	11	4	a	a	DET
easat-7791	11	5	quantitative	quantitative	ADJ
easat-7791	11	6	survey	survey	NOUN
easat-7791	11	7	approach	approach	NOUN
easat-7791	11	8	to	to	PART
easat-7791	11	9	determine	determine	VERB
easat-7791	11	10	the	the	DET
easat-7791	11	11	factors	factor	NOUN
easat-7791	11	12	that	that	PRON
easat-7791	11	13	drive	drive	VERB
easat-7791	11	14	the	the	DET
easat-7791	11	15	adoption	adoption	NOUN
easat-7791	11	16	of	of	ADP
easat-7791	11	17	digital	digital	ADJ
easat-7791	11	18	payments	payment	NOUN
easat-7791	11	19	by	by	ADP
easat-7791	11	20	micro	micro	ADJ
easat-7791	11	21	food	food	NOUN
easat-7791	11	22	and	and	CCONJ
easat-7791	11	23	beverage	beverage	NOUN
easat-7791	11	24	entrepreneurs	entrepreneur	NOUN
easat-7791	11	25	.	.	PUNCT
easat-7791	12	1	the	the	DET
easat-7791	12	2	user	user	NOUN
easat-7791	12	3	attitude	attitude	NOUN
easat-7791	12	4	variable	variable	NOUN
easat-7791	12	5	(	(	PUNCT
easat-7791	12	6	attitude	attitude	NOUN
easat-7791	12	7	toward	toward	ADP
easat-7791	12	8	using	use	VERB
easat-7791	12	9	)	)	PUNCT
easat-7791	12	10	is	be	AUX
easat-7791	12	11	chosen	choose	VERB
easat-7791	12	12	as	as	ADP
easat-7791	12	13	a	a	DET
easat-7791	12	14	mediating	mediate	VERB
easat-7791	12	15	variable	variable	NOUN
easat-7791	12	16	,	,	PUNCT
easat-7791	12	17	while	while	SCONJ
easat-7791	12	18	the	the	DET
easat-7791	12	19	variables	variable	NOUN
easat-7791	12	20	perceived	perceive	VERB
easat-7791	12	21	ease	ease	NOUN
easat-7791	12	22	of	of	ADP
easat-7791	12	23	use	use	NOUN
easat-7791	12	24	and	and	CCONJ
easat-7791	12	25	perceived	perceive	VERB
easat-7791	12	26	usefulness	usefulness	NOUN
easat-7791	12	27	are	be	AUX
easat-7791	12	28	independent	independent	ADJ
easat-7791	12	29	.	.	PUNCT
easat-7791	13	1	the	the	DET
easat-7791	13	2	micro	micro	ADJ
easat-7791	13	3	businesses	business	NOUN
easat-7791	13	4	studied	study	VERB
easat-7791	13	5	are	be	AUX
easat-7791	13	6	micro	micro	ADP
easat-7791	13	7	food	food	NOUN
easat-7791	13	8	and	and	CCONJ
easat-7791	13	9	beverage	beverage	NOUN
easat-7791	13	10	enterprises	enterprise	NOUN
easat-7791	13	11	spread	spread	VERB
easat-7791	13	12	across	across	ADP
easat-7791	13	13	culinary	culinary	ADJ
easat-7791	13	14	centers	center	NOUN
easat-7791	13	15	in	in	ADP
easat-7791	13	16	31	31	NUM
easat-7791	13	17	sub	sub	NOUN
easat-7791	13	18	-	-	NOUN
easat-7791	13	19	districts	district	NOUN
easat-7791	13	20	in	in	ADP
easat-7791	13	21	surabaya	surabaya	PROPN
easat-7791	13	22	city	city	PROPN
easat-7791	13	23	,	,	PUNCT
easat-7791	13	24	with	with	ADP
easat-7791	13	25	a	a	DET
easat-7791	13	26	population	population	NOUN
easat-7791	13	27	of	of	ADP
easat-7791	13	28	digital	digital	ADJ
easat-7791	13	29	payment	payment	NOUN
easat-7791	13	30	users	user	NOUN
easat-7791	13	31	in	in	ADP
easat-7791	13	32	culinary	culinary	ADJ
easat-7791	13	33	centers	center	NOUN
easat-7791	13	34	of	of	ADP
easat-7791	13	35	472	472	NUM
easat-7791	13	36	msmes	msme	NOUN
easat-7791	13	37	.	.	PUNCT
easat-7791	14	1	the	the	DET
easat-7791	14	2	structural	structural	ADJ
easat-7791	14	3	equation	equation	NOUN
easat-7791	14	4	model	model	NOUN
easat-7791	14	5	(	(	PUNCT
easat-7791	14	6	sem	sem	NOUN
easat-7791	14	7	)	)	PUNCT
easat-7791	14	8	was	be	AUX
easat-7791	14	9	chosen	choose	VERB
easat-7791	14	10	as	as	ADP
easat-7791	14	11	the	the	DET
easat-7791	14	12	analysis	analysis	NOUN
easat-7791	14	13	technique	technique	NOUN
easat-7791	14	14	for	for	ADP
easat-7791	14	15	this	this	DET
easat-7791	14	16	study	study	NOUN
easat-7791	14	17	.	.	PUNCT
easat-7791	15	1	the	the	DET
easat-7791	15	2	study	study	NOUN
easat-7791	15	3	’s	’s	PART
easat-7791	15	4	results	result	NOUN
easat-7791	15	5	indicate	indicate	VERB
easat-7791	15	6	that	that	SCONJ
easat-7791	15	7	the	the	DET
easat-7791	15	8	factors	factor	NOUN
easat-7791	15	9	perceived	perceive	VERB
easat-7791	15	10	usefulness	usefulness	NOUN
easat-7791	15	11	affect	affect	VERB
easat-7791	15	12	user	user	NOUN
easat-7791	15	13	attitude	attitude	NOUN
easat-7791	15	14	and	and	CCONJ
easat-7791	15	15	adoption	adoption	NOUN
easat-7791	15	16	of	of	ADP
easat-7791	15	17	fintech	fintech	NOUN
easat-7791	15	18	payments	payment	NOUN
easat-7791	15	19	.	.	PUNCT
easat-7791	16	1	at	at	ADP
easat-7791	16	2	the	the	DET
easat-7791	16	3	same	same	ADJ
easat-7791	16	4	time	time	NOUN
easat-7791	16	5	,	,	PUNCT
easat-7791	16	6	perceived	perceive	VERB
easat-7791	16	7	ease	ease	NOUN
easat-7791	16	8	of	of	ADP
easat-7791	16	9	use	use	NOUN
easat-7791	16	10	does	do	AUX
easat-7791	16	11	not	not	PART
easat-7791	16	12	affect	affect	VERB
easat-7791	16	13	the	the	DET
easat-7791	16	14	attitude	attitude	NOUN
easat-7791	16	15	toward	toward	ADP
easat-7791	16	16	using	use	VERB
easat-7791	16	17	or	or	CCONJ
easat-7791	16	18	adopting	adopt	VERB
easat-7791	16	19	fintech	fintech	NOUN
easat-7791	16	20	payments	payment	NOUN
easat-7791	16	21	.	.	PUNCT
easat-7791	17	1	the	the	DET
easat-7791	17	2	variable	variable	ADJ
easat-7791	17	3	attitude	attitude	NOUN
easat-7791	17	4	toward	toward	ADP
easat-7791	17	5	using	use	VERB
easat-7791	17	6	can	can	AUX
easat-7791	17	7	mediate	mediate	VERB
easat-7791	17	8	perceived	perceive	VERB
easat-7791	17	9	ease	ease	NOUN
easat-7791	17	10	of	of	ADP
easat-7791	17	11	use	use	NOUN
easat-7791	17	12	on	on	ADP
easat-7791	17	13	fintech	fintech	NOUN
easat-7791	17	14	payments	payment	NOUN
easat-7791	17	15	.	.	PUNCT
easat-7791	18	1	keywords	keyword	NOUN
easat-7791	18	2	:	:	PUNCT
easat-7791	18	3	fintech	fintech	NOUN
easat-7791	18	4	payment	payment	NOUN
easat-7791	18	5	adoption	adoption	NOUN
easat-7791	18	6	,	,	PUNCT
easat-7791	18	7	micro	micro	NOUN
easat-7791	18	8	-	-	NOUN
easat-7791	18	9	enterprises	enterprise	NOUN
easat-7791	18	10	,	,	PUNCT
easat-7791	18	11	perceived	perceive	VERB
easat-7791	18	12	ease	ease	NOUN
easat-7791	18	13	of	of	ADP
easat-7791	18	14	use	use	NOUN
easat-7791	18	15	,	,	PUNCT
easat-7791	18	16	perceived	perceive	VERB
easat-7791	18	17	usefulness	usefulness	NOUN
easat-7791	18	18	.	.	PUNCT
easat-7791	19	1	1	1	X
easat-7791	19	2	.	.	X
easat-7791	19	3	introduction	introduction	NOUN
easat-7791	19	4	micro	micro	PROPN
easat-7791	19	5	,	,	PUNCT
easat-7791	19	6	small	small	ADJ
easat-7791	19	7	,	,	PUNCT
easat-7791	19	8	and	and	CCONJ
easat-7791	19	9	medium	medium	ADJ
easat-7791	19	10	enterprises	enterprise	NOUN
easat-7791	19	11	(	(	PUNCT
easat-7791	19	12	msmes	msme	NOUN
easat-7791	19	13	)	)	PUNCT
easat-7791	19	14	are	be	AUX
easat-7791	19	15	the	the	DET
easat-7791	19	16	driving	drive	VERB
easat-7791	19	17	sectors	sector	NOUN
easat-7791	19	18	of	of	ADP
easat-7791	19	19	the	the	DET
easat-7791	19	20	people	people	NOUN
easat-7791	19	21	’s	’s	PART
easat-7791	19	22	economy	economy	NOUN
easat-7791	19	23	and	and	CCONJ
easat-7791	19	24	contribute	contribute	VERB
easat-7791	19	25	to	to	ADP
easat-7791	19	26	the	the	DET
easat-7791	19	27	indonesian	indonesian	ADJ
easat-7791	19	28	economy	economy	NOUN
easat-7791	20	1	[	[	X
easat-7791	20	2	1	1	NUM
easat-7791	20	3	]	]	PUNCT
easat-7791	20	4	.	.	PUNCT
easat-7791	21	1	msmes	msme	NOUN
easat-7791	21	2	in	in	ADP
easat-7791	21	3	indonesia	indonesia	PROPN
easat-7791	21	4	contribute	contribute	VERB
easat-7791	21	5	60.5	60.5	NUM
easat-7791	21	6	%	%	NOUN
easat-7791	21	7	to	to	ADP
easat-7791	21	8	the	the	DET
easat-7791	21	9	national	national	PROPN
easat-7791	21	10	gdp	gdp	NOUN
easat-7791	21	11	and	and	CCONJ
easat-7791	21	12	15.6	15.6	NUM
easat-7791	21	13	%	%	NOUN
easat-7791	21	14	to	to	ADP
easat-7791	21	15	the	the	DET
easat-7791	21	16	non	non	ADJ
easat-7791	21	17	-	-	ADJ
easat-7791	21	18	oil	oil	ADJ
easat-7791	21	19	and	and	CCONJ
easat-7791	21	20	gas	gas	NOUN
easat-7791	21	21	sector	sector	NOUN
easat-7791	21	22	.	.	PUNCT
easat-7791	22	1	in	in	ADP
easat-7791	22	2	addition	addition	NOUN
easat-7791	22	3	,	,	PUNCT
easat-7791	22	4	msmes	msme	NOUN
easat-7791	22	5	also	also	ADV
easat-7791	22	6	contribute	contribute	VERB
easat-7791	22	7	to	to	ADP
easat-7791	22	8	providing	provide	VERB
easat-7791	22	9	99.9	99.9	NUM
easat-7791	22	10	%	%	NOUN
easat-7791	22	11	of	of	ADP
easat-7791	22	12	jobs	job	NOUN
easat-7791	22	13	and	and	CCONJ
easat-7791	22	14	absorbing	absorb	VERB
easat-7791	22	15	96.9	96.9	NUM
easat-7791	22	16	%	%	NOUN
easat-7791	22	17	of	of	ADP
easat-7791	22	18	the	the	DET
easat-7791	22	19	workforce	workforce	NOUN
easat-7791	22	20	in	in	ADP
easat-7791	22	21	indonesia	indonesia	PROPN
easat-7791	22	22	.	.	PUNCT
easat-7791	23	1	in	in	ADP
easat-7791	23	2	surabaya	surabaya	PROPN
easat-7791	23	3	,	,	PUNCT
easat-7791	23	4	msmes	msme	NOUN
easat-7791	23	5	in	in	ADP
easat-7791	23	6	the	the	DET
easat-7791	23	7	food	food	NOUN
easat-7791	23	8	and	and	CCONJ
easat-7791	23	9	beverage	beverage	NOUN
easat-7791	23	10	sector	sector	NOUN
easat-7791	23	11	are	be	AUX
easat-7791	23	12	one	one	NUM
easat-7791	23	13	of	of	ADP
easat-7791	23	14	the	the	DET
easat-7791	23	15	culinary	culinary	ADJ
easat-7791	23	16	tours	tour	NOUN
easat-7791	23	17	that	that	PRON
easat-7791	23	18	can	can	AUX
easat-7791	23	19	reduce	reduce	VERB
easat-7791	23	20	unemployment	unemployment	NOUN
easat-7791	23	21	and	and	CCONJ
easat-7791	23	22	improve	improve	VERB
easat-7791	23	23	the	the	DET
easat-7791	23	24	surrounding	surround	VERB
easat-7791	23	25	community	community	NOUN
easat-7791	23	26	’s	’s	PART
easat-7791	23	27	economy	economy	NOUN
easat-7791	24	1	[	[	X
easat-7791	24	2	2	2	NUM
easat-7791	24	3	]	]	PUNCT
easat-7791	24	4	.	.	PUNCT
easat-7791	25	1	micro	micro	PROPN
easat-7791	25	2	food	food	NOUN
easat-7791	25	3	and	and	CCONJ
easat-7791	25	4	beverage	beverage	NOUN
easat-7791	25	5	businesses	business	NOUN
easat-7791	25	6	are	be	AUX
easat-7791	25	7	spread	spread	VERB
easat-7791	25	8	across	across	ADP
easat-7791	25	9	various	various	ADJ
easat-7791	25	10	shopping	shopping	NOUN
easat-7791	25	11	centers	center	NOUN
easat-7791	25	12	,	,	PUNCT
easat-7791	25	13	culinary	culinary	NOUN
easat-7791	25	14	centers	center	NOUN
easat-7791	25	15	,	,	PUNCT
easat-7791	25	16	and	and	CCONJ
easat-7791	25	17	surabaya	surabaya	PROPN
easat-7791	25	18	.	.	PUNCT
easat-7791	26	1	micro	micro	PROPN
easat-7791	26	2	food	food	PROPN
easat-7791	26	3	and	and	CCONJ
easat-7791	26	4	beverage	beverage	NOUN
easat-7791	26	5	businesses	business	NOUN
easat-7791	26	6	in	in	ADP
easat-7791	26	7	surabaya	surabaya	PROPN
easat-7791	26	8	must	must	AUX
easat-7791	26	9	be	be	AUX
easat-7791	26	10	able	able	ADJ
easat-7791	26	11	to	to	PART
easat-7791	26	12	compete	compete	VERB
easat-7791	26	13	amidst	amidst	ADP
easat-7791	26	14	the	the	DET
easat-7791	26	15	rapid	rapid	ADJ
easat-7791	26	16	development	development	NOUN
easat-7791	26	17	of	of	ADP
easat-7791	26	18	business	business	NOUN
easat-7791	26	19	and	and	CCONJ
easat-7791	26	20	technology	technology	NOUN
easat-7791	26	21	,	,	PUNCT
easat-7791	26	22	considering	consider	VERB
easat-7791	26	23	that	that	SCONJ
easat-7791	26	24	surabaya	surabaya	PROPN
easat-7791	26	25	is	be	AUX
easat-7791	26	26	one	one	NUM
easat-7791	26	27	of	of	ADP
easat-7791	26	28	the	the	DET
easat-7791	26	29	big	big	ADJ
easat-7791	26	30	cities	city	NOUN
easat-7791	26	31	in	in	ADP
easat-7791	26	32	indonesia	indonesia	PROPN
easat-7791	26	33	and	and	CCONJ
easat-7791	26	34	a	a	DET
easat-7791	26	35	business	business	NOUN
easat-7791	26	36	center	center	NOUN
easat-7791	26	37	in	in	ADP
easat-7791	26	38	east	east	PROPN
easat-7791	26	39	java	java	PROPN
easat-7791	26	40	.	.	PUNCT
easat-7791	27	1	one	one	NUM
easat-7791	27	2	way	way	NOUN
easat-7791	27	3	is	be	AUX
easat-7791	27	4	to	to	PART
easat-7791	27	5	participate	participate	VERB
easat-7791	27	6	in	in	ADP
easat-7791	27	7	digitalization	digitalization	NOUN
easat-7791	27	8	activities	activity	NOUN
easat-7791	27	9	to	to	PART
easat-7791	27	10	improve	improve	VERB
easat-7791	27	11	their	their	PRON
easat-7791	27	12	business	business	NOUN
easat-7791	27	13	[	[	X
easat-7791	27	14	3	3	NUM
easat-7791	27	15	]	]	PUNCT
easat-7791	27	16	.	.	PUNCT
easat-7791	28	1	explains	explain	VERB
easat-7791	28	2	the	the	DET
easat-7791	28	3	importance	importance	NOUN
easat-7791	28	4	of	of	ADP
easat-7791	28	5	digitalizing	digitalize	VERB
easat-7791	28	6	the	the	DET
easat-7791	28	7	wiyung	wiyung	PROPN
easat-7791	28	8	culinary	culinary	PROPN
easat-7791	28	9	tourism	tourism	NOUN
easat-7791	28	10	center	center	NOUN
easat-7791	28	11	in	in	ADP
easat-7791	28	12	surabaya	surabaya	PROPN
easat-7791	28	13	city	city	PROPN
easat-7791	28	14	.	.	PUNCT
easat-7791	29	1	in	in	ADP
easat-7791	29	2	addition	addition	NOUN
easat-7791	29	3	to	to	ADP
easat-7791	29	4	digitalization	digitalization	NOUN
easat-7791	29	5	in	in	ADP
easat-7791	29	6	the	the	DET
easat-7791	29	7	marketing	marketing	NOUN
easat-7791	29	8	sector	sector	NOUN
easat-7791	29	9	,	,	PUNCT
easat-7791	29	10	digitalization	digitalization	NOUN
easat-7791	29	11	,	,	PUNCT
easat-7791	29	12	such	such	ADJ
easat-7791	29	13	as	as	ADP
easat-7791	29	14	using	use	VERB
easat-7791	29	15	fintech	fintech	NOUN
easat-7791	29	16	payments	payment	NOUN
easat-7791	29	17	in	in	ADP
easat-7791	29	18	buying	buy	VERB
easat-7791	29	19	and	and	CCONJ
easat-7791	29	20	selling	selling	NOUN
easat-7791	29	21	transactions	transaction	NOUN
easat-7791	29	22	,	,	PUNCT
easat-7791	29	23	must	must	AUX
easat-7791	29	24	be	be	AUX
easat-7791	29	25	carried	carry	VERB
easat-7791	29	26	out	out	ADP
easat-7791	29	27	[	[	X
easat-7791	29	28	4	4	NUM
easat-7791	29	29	]	]	PUNCT
easat-7791	29	30	.	.	PUNCT
easat-7791	30	1	this	this	PRON
easat-7791	30	2	is	be	AUX
easat-7791	30	3	important	important	ADJ
easat-7791	30	4	considering	consider	VERB
easat-7791	30	5	that	that	SCONJ
easat-7791	30	6	surabaya	surabaya	PROPN
easat-7791	30	7	is	be	AUX
easat-7791	30	8	one	one	NUM
easat-7791	30	9	of	of	ADP
easat-7791	30	10	the	the	DET
easat-7791	30	11	largest	large	ADJ
easat-7791	30	12	cities	city	NOUN
easat-7791	30	13	in	in	ADP
easat-7791	30	14	indonesia	indonesia	PROPN
easat-7791	30	15	,	,	PUNCT
easat-7791	30	16	some	some	PRON
easat-7791	30	17	of	of	ADP
easat-7791	30	18	whose	whose	DET
easat-7791	30	19	residents	resident	NOUN
easat-7791	30	20	are	be	AUX
easat-7791	30	21	already	already	ADV
easat-7791	30	22	digitally	digitally	ADV
easat-7791	30	23	literate	literate	ADJ
easat-7791	30	24	.	.	PUNCT
easat-7791	31	1	according	accord	VERB
easat-7791	31	2	to	to	ADP
easat-7791	31	3	records	record	NOUN
easat-7791	31	4	from	from	ADP
easat-7791	31	5	the	the	DET
easat-7791	31	6	bank	bank	NOUN
easat-7791	31	7	indonesia	indonesia	PROPN
easat-7791	31	8	representative	representative	PROPN
easat-7791	31	9	office	office	NOUN
easat-7791	31	10	for	for	ADP
easat-7791	31	11	east	east	PROPN
easat-7791	31	12	java	java	PROPN
easat-7791	31	13	province	province	PROPN
easat-7791	31	14	,	,	PUNCT
easat-7791	31	15	q	q	ADJ
easat-7791	31	16	-	-	PUNCT
easat-7791	31	17	ris	ris	NOUN
easat-7791	31	18	users	user	NOUN
easat-7791	31	19	in	in	ADP
easat-7791	31	20	surabaya	surabaya	PROPN
easat-7791	31	21	and	and	CCONJ
easat-7791	31	22	east	east	PROPN
easat-7791	31	23	java	java	PROPN
easat-7791	31	24	reached	reach	VERB
easat-7791	31	25	7.5	7.5	NUM
easat-7791	31	26	million	million	NUM
easat-7791	31	27	people	people	NOUN
easat-7791	31	28	in	in	ADP
easat-7791	31	29	july	july	PROPN
easat-7791	31	30	2024	2024	NUM
easat-7791	31	31	.	.	PUNCT
easat-7791	32	1	meanwhile	meanwhile	ADV
easat-7791	32	2	,	,	PUNCT
easat-7791	32	3	the	the	DET
easat-7791	32	4	number	number	NOUN
easat-7791	32	5	of	of	ADP
easat-7791	32	6	merchants	merchant	NOUN
easat-7791	32	7	was	be	AUX
easat-7791	32	8	recorded	record	VERB
easat-7791	32	9	at	at	ADP
easat-7791	32	10	3.2	3.2	NUM
easat-7791	32	11	million	million	NUM
easat-7791	32	12	,	,	PUNCT
easat-7791	32	13	dominated	dominate	VERB
easat-7791	32	14	by	by	ADP
easat-7791	32	15	micro	micro	ADJ
easat-7791	32	16	-	-	NOUN
easat-7791	32	17	scale	scale	ADJ
easat-7791	32	18	merchants	merchant	NOUN
easat-7791	32	19	(	(	PUNCT
easat-7791	32	20	msmes	msme	NOUN
easat-7791	32	21	)	)	PUNCT
easat-7791	32	22	.	.	PUNCT
easat-7791	33	1	this	this	PRON
easat-7791	33	2	proves	prove	VERB
easat-7791	33	3	that	that	SCONJ
easat-7791	33	4	the	the	DET
easat-7791	33	5	role	role	NOUN
easat-7791	33	6	of	of	ADP
easat-7791	33	7	fintech	fintech	NOUN
easat-7791	33	8	is	be	AUX
easat-7791	33	9	increasing	increase	VERB
easat-7791	33	10	,	,	PUNCT
easat-7791	33	11	not	not	PART
easat-7791	33	12	only	only	ADV
easat-7791	33	13	in	in	ADP
easat-7791	33	14	the	the	DET
easat-7791	33	15	industrial	industrial	ADJ
easat-7791	33	16	sector	sector	NOUN
easat-7791	33	17	https://orcid.org/0009-0002-0040-8164	https://orcid.org/0009-0002-0040-8164	NOUN
easat-7791	33	18	https://orcid.org/0000-0003-0222-0827	https://orcid.org/0000-0003-0222-0827	PROPN
easat-7791	33	19	https://orcid.org/0000-0001-8241-1337	https://orcid.org/0000-0001-8241-1337	PROPN
easat-7791	33	20	https://orcid.org/0000-0001-5551-6555	https://orcid.org/0000-0001-5551-6555	PROPN
easat-7791	33	21	243	243	NUM
easat-7791	33	22	edelweiss	edelweiss	PROPN
easat-7791	33	23	applied	apply	VERB
easat-7791	33	24	science	science	NOUN
easat-7791	33	25	and	and	CCONJ
easat-7791	33	26	technology	technology	NOUN
easat-7791	33	27	issn	issn	PROPN
easat-7791	33	28	:	:	PUNCT
easat-7791	33	29	2576	2576	NUM
easat-7791	33	30	-	-	SYM
easat-7791	33	31	8484	8484	NUM
easat-7791	33	32	vol	vol	NOUN
easat-7791	33	33	.	.	PROPN
easat-7791	34	1	9	9	NUM
easat-7791	34	2	,	,	PUNCT
easat-7791	34	3	no	no	INTJ
easat-7791	34	4	.	.	NOUN
easat-7791	35	1	6	6	NUM
easat-7791	35	2	:	:	SYM
easat-7791	35	3	242	242	NUM
easat-7791	35	4	-	-	SYM
easat-7791	35	5	252	252	NUM
easat-7791	35	6	,	,	PUNCT
easat-7791	35	7	2025	2025	NUM
easat-7791	35	8	doi	doi	NOUN
easat-7791	35	9	:	:	PUNCT
easat-7791	35	10	10.55214/25768484.v9i6.7791	10.55214/25768484.v9i6.7791	NUM
easat-7791	35	11	©	©	PROPN
easat-7791	35	12	2025	2025	NUM
easat-7791	35	13	by	by	ADP
easat-7791	35	14	the	the	DET
easat-7791	35	15	authors	author	NOUN
easat-7791	35	16	;	;	PUNCT
easat-7791	35	17	licensee	licensee	PROPN
easat-7791	35	18	learning	learning	NOUN
easat-7791	35	19	gate	gate	NOUN
easat-7791	35	20	but	but	CCONJ
easat-7791	35	21	also	also	ADV
easat-7791	35	22	in	in	ADP
easat-7791	35	23	the	the	DET
easat-7791	35	24	small	small	ADJ
easat-7791	35	25	business	business	NOUN
easat-7791	35	26	sector	sector	NOUN
easat-7791	35	27	;	;	PUNCT
easat-7791	35	28	fintech	fintech	NOUN
easat-7791	35	29	is	be	AUX
easat-7791	35	30	able	able	ADJ
easat-7791	35	31	to	to	PART
easat-7791	35	32	improve	improve	VERB
easat-7791	35	33	sustainability	sustainability	NOUN
easat-7791	35	34	in	in	ADP
easat-7791	35	35	the	the	DET
easat-7791	35	36	small	small	ADJ
easat-7791	35	37	business	business	NOUN
easat-7791	35	38	sector	sector	NOUN
easat-7791	35	39	[	[	X
easat-7791	35	40	5	5	NUM
easat-7791	35	41	-	-	SYM
easat-7791	35	42	7	7	NUM
easat-7791	35	43	]	]	PUNCT
easat-7791	35	44	.	.	PUNCT
easat-7791	36	1	msmes	msme	NOUN
easat-7791	36	2	can	can	AUX
easat-7791	36	3	utilize	utilize	VERB
easat-7791	36	4	fintech	fintech	NOUN
easat-7791	36	5	as	as	ADP
easat-7791	36	6	a	a	DET
easat-7791	36	7	strategy	strategy	NOUN
easat-7791	36	8	to	to	PART
easat-7791	36	9	maintain	maintain	VERB
easat-7791	36	10	their	their	PRON
easat-7791	36	11	business	business	NOUN
easat-7791	36	12	,	,	PUNCT
easat-7791	36	13	such	such	ADJ
easat-7791	36	14	as	as	ADP
easat-7791	36	15	the	the	DET
easat-7791	36	16	use	use	NOUN
easat-7791	36	17	of	of	ADP
easat-7791	36	18	digital	digital	ADJ
easat-7791	36	19	payment	payment	NOUN
easat-7791	36	20	systems	system	NOUN
easat-7791	36	21	(	(	PUNCT
easat-7791	36	22	fintech	fintech	NOUN
easat-7791	36	23	payments	payment	NOUN
easat-7791	36	24	)	)	PUNCT
easat-7791	36	25	through	through	ADP
easat-7791	36	26	e	e	NOUN
easat-7791	36	27	-	-	NOUN
easat-7791	36	28	wallet	wallet	NOUN
easat-7791	36	29	applications	application	NOUN
easat-7791	36	30	such	such	ADJ
easat-7791	36	31	as	as	ADP
easat-7791	36	32	go	go	NOUN
easat-7791	36	33	-	-	PUNCT
easat-7791	36	34	pay	pay	NOUN
easat-7791	36	35	,	,	PUNCT
easat-7791	36	36	ovo	ovo	PROPN
easat-7791	36	37	,	,	PUNCT
easat-7791	36	38	shopee	shopee	NOUN
easat-7791	36	39	pay	pay	NOUN
easat-7791	36	40	,	,	PUNCT
easat-7791	36	41	with	with	ADP
easat-7791	36	42	electronic	electronic	ADJ
easat-7791	36	43	data	datum	NOUN
easat-7791	36	44	capture	capture	NOUN
easat-7791	36	45	(	(	PUNCT
easat-7791	36	46	edc	edc	PROPN
easat-7791	36	47	)	)	PUNCT
easat-7791	36	48	,	,	PUNCT
easat-7791	36	49	credit	credit	NOUN
easat-7791	36	50	cards	card	NOUN
easat-7791	36	51	and	and	CCONJ
easat-7791	36	52	e	e	NOUN
easat-7791	36	53	-	-	NOUN
easat-7791	36	54	money	money	NOUN
easat-7791	36	55	.	.	PUNCT
easat-7791	37	1	with	with	ADP
easat-7791	37	2	fintech	fintech	NOUN
easat-7791	37	3	payments	payment	NOUN
easat-7791	37	4	,	,	PUNCT
easat-7791	37	5	it	it	PRON
easat-7791	37	6	is	be	AUX
easat-7791	37	7	easy	easy	ADJ
easat-7791	37	8	for	for	SCONJ
easat-7791	37	9	users	user	NOUN
easat-7791	37	10	to	to	PART
easat-7791	37	11	make	make	VERB
easat-7791	37	12	all	all	DET
easat-7791	37	13	kinds	kind	NOUN
easat-7791	37	14	of	of	ADP
easat-7791	37	15	transactions	transaction	NOUN
easat-7791	37	16	anytime	anytime	ADV
easat-7791	37	17	and	and	CCONJ
easat-7791	37	18	anywhere	anywhere	ADV
easat-7791	37	19	[	[	NOUN
easat-7791	37	20	8	8	NUM
easat-7791	37	21	]	]	PUNCT
easat-7791	37	22	.	.	PUNCT
easat-7791	38	1	it	it	PRON
easat-7791	38	2	also	also	ADV
easat-7791	38	3	provides	provide	VERB
easat-7791	38	4	benefits	benefit	NOUN
easat-7791	38	5	such	such	ADJ
easat-7791	38	6	as	as	ADP
easat-7791	38	7	delivering	deliver	VERB
easat-7791	38	8	transaction	transaction	NOUN
easat-7791	38	9	records	record	NOUN
easat-7791	38	10	without	without	ADP
easat-7791	38	11	manual	manual	ADJ
easat-7791	38	12	input	input	NOUN
easat-7791	38	13	to	to	PART
easat-7791	38	14	facilitate	facilitate	VERB
easat-7791	38	15	the	the	DET
easat-7791	38	16	recapitulation	recapitulation	NOUN
easat-7791	38	17	of	of	ADP
easat-7791	38	18	outgoing	outgoing	ADJ
easat-7791	38	19	and	and	CCONJ
easat-7791	38	20	incoming	incoming	ADJ
easat-7791	38	21	transactions	transaction	NOUN
easat-7791	38	22	as	as	ADP
easat-7791	38	23	a	a	DET
easat-7791	38	24	basis	basis	NOUN
easat-7791	38	25	for	for	ADP
easat-7791	38	26	making	make	VERB
easat-7791	38	27	cash	cash	NOUN
easat-7791	38	28	flow	flow	NOUN
easat-7791	38	29	reports	report	NOUN
easat-7791	38	30	.	.	PUNCT
easat-7791	39	1	seeing	see	VERB
easat-7791	39	2	the	the	DET
easat-7791	39	3	benefits	benefit	NOUN
easat-7791	39	4	of	of	ADP
easat-7791	39	5	digital	digital	ADJ
easat-7791	39	6	payments	payment	NOUN
easat-7791	39	7	in	in	ADP
easat-7791	39	8	facilitating	facilitate	VERB
easat-7791	39	9	payment	payment	NOUN
easat-7791	39	10	transactions	transaction	NOUN
easat-7791	39	11	,	,	PUNCT
easat-7791	39	12	it	it	PRON
easat-7791	39	13	is	be	AUX
easat-7791	39	14	essential	essential	ADJ
easat-7791	39	15	to	to	PART
easat-7791	39	16	research	research	VERB
easat-7791	39	17	the	the	DET
easat-7791	39	18	factors	factor	NOUN
easat-7791	39	19	influencing	influence	VERB
easat-7791	39	20	the	the	DET
easat-7791	39	21	decision	decision	NOUN
easat-7791	39	22	to	to	PART
easat-7791	39	23	use	use	VERB
easat-7791	39	24	a	a	DET
easat-7791	39	25	digital	digital	ADJ
easat-7791	39	26	payment	payment	NOUN
easat-7791	39	27	system	system	NOUN
easat-7791	39	28	.	.	PUNCT
easat-7791	40	1	in	in	ADP
easat-7791	40	2	accepting	accept	VERB
easat-7791	40	3	fintech	fintech	NOUN
easat-7791	40	4	payments	payment	NOUN
easat-7791	40	5	in	in	ADP
easat-7791	40	6	micro	micro	NOUN
easat-7791	40	7	-	-	NOUN
easat-7791	40	8	businesses	business	NOUN
easat-7791	40	9	,	,	PUNCT
easat-7791	40	10	perceived	perceive	VERB
easat-7791	40	11	ease	ease	NOUN
easat-7791	40	12	of	of	ADP
easat-7791	40	13	use	use	NOUN
easat-7791	40	14	and	and	CCONJ
easat-7791	40	15	usefulness	usefulness	NOUN
easat-7791	40	16	are	be	AUX
easat-7791	40	17	considered	consider	VERB
easat-7791	40	18	drivers	driver	NOUN
easat-7791	40	19	.	.	PUNCT
easat-7791	41	1	still	still	ADV
easat-7791	41	2	,	,	PUNCT
easat-7791	41	3	in	in	ADP
easat-7791	41	4	today	today	NOUN
easat-7791	41	5	’s	’s	PART
easat-7791	41	6	digital	digital	ADJ
easat-7791	41	7	developments	development	NOUN
easat-7791	41	8	,	,	PUNCT
easat-7791	41	9	environmental	environmental	ADJ
easat-7791	41	10	influence	influence	NOUN
easat-7791	41	11	and	and	CCONJ
easat-7791	41	12	trust	trust	NOUN
easat-7791	41	13	are	be	AUX
easat-7791	41	14	other	other	ADJ
easat-7791	41	15	factors	factor	NOUN
easat-7791	41	16	that	that	PRON
easat-7791	41	17	encourage	encourage	VERB
easat-7791	41	18	users	user	NOUN
easat-7791	41	19	to	to	PART
easat-7791	41	20	adopt	adopt	VERB
easat-7791	41	21	fintech	fintech	NOUN
easat-7791	41	22	payments	payment	NOUN
easat-7791	41	23	in	in	ADP
easat-7791	41	24	micro	micro	ADJ
easat-7791	41	25	businesses	business	NOUN
easat-7791	41	26	.	.	PUNCT
easat-7791	42	1	microbusiness	microbusiness	NOUN
easat-7791	42	2	actors	actor	NOUN
easat-7791	42	3	look	look	VERB
easat-7791	42	4	at	at	ADP
easat-7791	42	5	the	the	DET
easat-7791	42	6	factors	factor	NOUN
easat-7791	42	7	of	of	ADP
easat-7791	42	8	ease	ease	NOUN
easat-7791	42	9	and	and	CCONJ
easat-7791	42	10	benefits	benefit	NOUN
easat-7791	42	11	in	in	ADP
easat-7791	42	12	adopting	adopt	VERB
easat-7791	42	13	fintech	fintech	NOUN
easat-7791	42	14	payments	payment	NOUN
easat-7791	42	15	and	and	CCONJ
easat-7791	42	16	consider	consider	VERB
easat-7791	42	17	social	social	ADJ
easat-7791	42	18	factors	factor	NOUN
easat-7791	42	19	and	and	CCONJ
easat-7791	42	20	trust	trust	NOUN
easat-7791	42	21	.	.	PUNCT
easat-7791	43	1	perceived	perceive	VERB
easat-7791	43	2	ease	ease	NOUN
easat-7791	43	3	of	of	ADP
easat-7791	43	4	use	use	NOUN
easat-7791	43	5	refers	refer	VERB
easat-7791	43	6	to	to	ADP
easat-7791	43	7	the	the	DET
easat-7791	43	8	extent	extent	NOUN
easat-7791	43	9	to	to	PART
easat-7791	43	10	which	which	PRON
easat-7791	43	11	customers	customer	NOUN
easat-7791	43	12	perceive	perceive	VERB
easat-7791	43	13	that	that	SCONJ
easat-7791	43	14	they	they	PRON
easat-7791	43	15	do	do	AUX
easat-7791	43	16	not	not	PART
easat-7791	43	17	need	need	VERB
easat-7791	43	18	to	to	PART
easat-7791	43	19	spend	spend	VERB
easat-7791	43	20	much	much	ADJ
easat-7791	43	21	time	time	NOUN
easat-7791	43	22	or	or	CCONJ
easat-7791	43	23	effort	effort	NOUN
easat-7791	43	24	to	to	PART
easat-7791	43	25	use	use	VERB
easat-7791	43	26	fintech	fintech	NOUN
easat-7791	43	27	tools	tool	NOUN
easat-7791	43	28	effectively	effectively	ADV
easat-7791	43	29	and	and	CCONJ
easat-7791	43	30	that	that	SCONJ
easat-7791	43	31	they	they	PRON
easat-7791	43	32	are	be	AUX
easat-7791	43	33	accessible	accessible	ADJ
easat-7791	43	34	across	across	ADP
easat-7791	43	35	a	a	DET
easat-7791	43	36	variety	variety	NOUN
easat-7791	43	37	of	of	ADP
easat-7791	43	38	devices	device	NOUN
easat-7791	43	39	[	[	X
easat-7791	43	40	7	7	NUM
easat-7791	43	41	]	]	PUNCT
easat-7791	43	42	.	.	PUNCT
easat-7791	44	1	previous	previous	ADJ
easat-7791	44	2	studies	study	NOUN
easat-7791	44	3	have	have	AUX
easat-7791	44	4	shown	show	VERB
easat-7791	44	5	a	a	DET
easat-7791	44	6	positive	positive	ADJ
easat-7791	44	7	relationship	relationship	NOUN
easat-7791	44	8	between	between	ADP
easat-7791	44	9	perceived	perceive	VERB
easat-7791	44	10	ease	ease	NOUN
easat-7791	44	11	of	of	ADP
easat-7791	44	12	use	use	NOUN
easat-7791	44	13	and	and	CCONJ
easat-7791	44	14	adoption	adoption	NOUN
easat-7791	44	15	of	of	ADP
easat-7791	44	16	financial	financial	ADJ
easat-7791	44	17	technology	technology	NOUN
easat-7791	44	18	[	[	X
easat-7791	44	19	9	9	NUM
easat-7791	44	20	,	,	PUNCT
easat-7791	44	21	10	10	NUM
easat-7791	44	22	]	]	PUNCT
easat-7791	44	23	.	.	PUNCT
easat-7791	45	1	when	when	SCONJ
easat-7791	45	2	customers	customer	NOUN
easat-7791	45	3	believe	believe	VERB
easat-7791	45	4	that	that	SCONJ
easat-7791	45	5	fintech	fintech	NOUN
easat-7791	45	6	services	service	NOUN
easat-7791	45	7	are	be	AUX
easat-7791	45	8	convenient	convenient	ADJ
easat-7791	45	9	,	,	PUNCT
easat-7791	45	10	easy	easy	ADJ
easat-7791	45	11	to	to	PART
easat-7791	45	12	use	use	VERB
easat-7791	45	13	,	,	PUNCT
easat-7791	45	14	and	and	CCONJ
easat-7791	45	15	accessible	accessible	ADJ
easat-7791	45	16	from	from	ADP
easat-7791	45	17	various	various	ADJ
easat-7791	45	18	devices	device	NOUN
easat-7791	45	19	,	,	PUNCT
easat-7791	45	20	they	they	PRON
easat-7791	45	21	have	have	VERB
easat-7791	45	22	a	a	DET
easat-7791	45	23	positive	positive	ADJ
easat-7791	45	24	attitude	attitude	NOUN
easat-7791	45	25	toward	toward	ADP
easat-7791	45	26	their	their	PRON
easat-7791	45	27	adoption	adoption	NOUN
easat-7791	45	28	.	.	PUNCT
easat-7791	46	1	2	2	X
easat-7791	46	2	.	.	X
easat-7791	46	3	literature	literature	NOUN
easat-7791	46	4	review	review	VERB
easat-7791	46	5	2.1	2.1	NUM
easat-7791	46	6	.	.	PUNCT
easat-7791	47	1	micro	micro	ADJ
easat-7791	47	2	,	,	PUNCT
easat-7791	47	3	small	small	ADJ
easat-7791	47	4	,	,	PUNCT
easat-7791	47	5	medium	medium	ADJ
easat-7791	47	6	enterprises	enterprise	NOUN
easat-7791	47	7	(	(	PUNCT
easat-7791	47	8	msme	msme	PROPN
easat-7791	47	9	)	)	PUNCT
easat-7791	47	10	the	the	DET
easat-7791	47	11	definition	definition	NOUN
easat-7791	47	12	of	of	ADP
easat-7791	47	13	msme	msme	NOUN
easat-7791	47	14	in	in	ADP
easat-7791	47	15	this	this	DET
easat-7791	47	16	study	study	NOUN
easat-7791	47	17	is	be	AUX
easat-7791	47	18	based	base	VERB
easat-7791	47	19	on	on	ADP
easat-7791	47	20	government	government	NOUN
easat-7791	47	21	regulation	regulation	NOUN
easat-7791	47	22	number	number	NOUN
easat-7791	47	23	7	7	NUM
easat-7791	47	24	of	of	ADP
easat-7791	47	25	2021	2021	NUM
easat-7791	47	26	.	.	PUNCT
easat-7791	48	1	the	the	DET
easat-7791	48	2	distinction	distinction	NOUN
easat-7791	48	3	between	between	ADP
easat-7791	48	4	msmes	msme	NOUN
easat-7791	48	5	and	and	CCONJ
easat-7791	48	6	large	large	ADJ
easat-7791	48	7	-	-	PUNCT
easat-7791	48	8	scale	scale	NOUN
easat-7791	48	9	businesses	business	NOUN
easat-7791	48	10	is	be	AUX
easat-7791	48	11	evident	evident	ADJ
easat-7791	48	12	in	in	ADP
easat-7791	48	13	their	their	PRON
easat-7791	48	14	turnover	turnover	NOUN
easat-7791	48	15	and	and	CCONJ
easat-7791	48	16	total	total	ADJ
easat-7791	48	17	wealth	wealth	NOUN
easat-7791	48	18	,	,	PUNCT
easat-7791	48	19	as	as	SCONJ
easat-7791	48	20	reflected	reflect	VERB
easat-7791	48	21	in	in	ADP
easat-7791	48	22	annual	annual	ADJ
easat-7791	48	23	sales	sale	NOUN
easat-7791	48	24	results	result	NOUN
easat-7791	48	25	.	.	PUNCT
easat-7791	49	1	micro	micro	NOUN
easat-7791	49	2	-	-	NOUN
easat-7791	49	3	enterprises	enterprise	NOUN
easat-7791	49	4	’	'	PUNCT
easat-7791	49	5	criteria	criterion	NOUN
easat-7791	49	6	include	include	VERB
easat-7791	49	7	ownership	ownership	NOUN
easat-7791	49	8	with	with	ADP
easat-7791	49	9	a	a	DET
easat-7791	49	10	maximum	maximum	ADJ
easat-7791	49	11	net	net	ADJ
easat-7791	49	12	worth	worth	NOUN
easat-7791	49	13	of	of	ADP
easat-7791	49	14	idr	idr	PROPN
easat-7791	49	15	50	50	NUM
easat-7791	49	16	million	million	NUM
easat-7791	49	17	and	and	CCONJ
easat-7791	49	18	annual	annual	ADJ
easat-7791	49	19	sales	sale	NOUN
easat-7791	49	20	not	not	PART
easat-7791	49	21	exceeding	exceed	VERB
easat-7791	49	22	idr	idr	PROPN
easat-7791	49	23	300	300	NUM
easat-7791	49	24	million	million	NUM
easat-7791	49	25	.	.	PUNCT
easat-7791	50	1	a	a	DET
easat-7791	50	2	small	small	ADJ
easat-7791	50	3	business	business	NOUN
easat-7791	50	4	is	be	AUX
easat-7791	50	5	defined	define	VERB
easat-7791	50	6	as	as	ADP
easat-7791	50	7	a	a	DET
easat-7791	50	8	business	business	NOUN
easat-7791	50	9	entity	entity	NOUN
easat-7791	50	10	with	with	ADP
easat-7791	50	11	a	a	DET
easat-7791	50	12	net	net	ADJ
easat-7791	50	13	worth	worth	ADJ
easat-7791	50	14	exceeding	exceed	VERB
easat-7791	50	15	idr	idr	PROPN
easat-7791	50	16	50	50	NUM
easat-7791	50	17	million	million	NUM
easat-7791	50	18	but	but	CCONJ
easat-7791	50	19	not	not	PART
easat-7791	50	20	surpassing	surpass	VERB
easat-7791	50	21	idr	idr	PROPN
easat-7791	50	22	500	500	NUM
easat-7791	50	23	million	million	NUM
easat-7791	50	24	and	and	CCONJ
easat-7791	50	25	annual	annual	ADJ
easat-7791	50	26	sales	sale	NOUN
easat-7791	50	27	ranging	range	VERB
easat-7791	50	28	from	from	ADP
easat-7791	50	29	idr	idr	PROPN
easat-7791	50	30	300	300	NUM
easat-7791	50	31	million	million	NUM
easat-7791	50	32	to	to	PART
easat-7791	50	33	idr	idr	VERB
easat-7791	50	34	2.5	2.5	NUM
easat-7791	50	35	billion	billion	NUM
easat-7791	50	36	.	.	PUNCT
easat-7791	51	1	medium	medium	ADJ
easat-7791	51	2	enterprises	enterprise	NOUN
easat-7791	51	3	are	be	AUX
easat-7791	51	4	companies	company	NOUN
easat-7791	51	5	with	with	ADP
easat-7791	51	6	a	a	DET
easat-7791	51	7	net	net	ADJ
easat-7791	51	8	worth	worth	ADJ
easat-7791	51	9	exceeding	exceed	VERB
easat-7791	51	10	idr	idr	PROPN
easat-7791	51	11	500	500	NUM
easat-7791	51	12	million	million	NUM
easat-7791	51	13	and	and	CCONJ
easat-7791	51	14	up	up	ADP
easat-7791	51	15	to	to	PART
easat-7791	51	16	idr	idr	VERB
easat-7791	51	17	10	10	NUM
easat-7791	51	18	billion	billion	NUM
easat-7791	51	19	,	,	PUNCT
easat-7791	51	20	with	with	ADP
easat-7791	51	21	annual	annual	ADJ
easat-7791	51	22	sales	sale	NOUN
easat-7791	51	23	ranging	range	VERB
easat-7791	51	24	from	from	ADP
easat-7791	51	25	idr	idr	PROPN
easat-7791	51	26	2.5	2.5	NUM
easat-7791	51	27	billion	billion	NUM
easat-7791	51	28	to	to	PART
easat-7791	51	29	idr	idr	VERB
easat-7791	51	30	50	50	NUM
easat-7791	51	31	billion	billion	NUM
easat-7791	51	32	.	.	PUNCT
easat-7791	52	1	the	the	DET
easat-7791	52	2	principle	principle	NOUN
easat-7791	52	3	of	of	ADP
easat-7791	52	4	msmes	msme	NOUN
easat-7791	52	5	emphasizes	emphasize	VERB
easat-7791	52	6	the	the	DET
easat-7791	52	7	development	development	NOUN
easat-7791	52	8	of	of	ADP
easat-7791	52	9	independence	independence	NOUN
easat-7791	52	10	and	and	CCONJ
easat-7791	52	11	collaboration	collaboration	NOUN
easat-7791	52	12	,	,	PUNCT
easat-7791	52	13	driven	drive	VERB
easat-7791	52	14	by	by	ADP
easat-7791	52	15	self	self	NOUN
easat-7791	52	16	-	-	PUNCT
easat-7791	52	17	initiative	initiative	NOUN
easat-7791	52	18	,	,	PUNCT
easat-7791	52	19	to	to	PART
easat-7791	52	20	ensure	ensure	VERB
easat-7791	52	21	transparency	transparency	NOUN
easat-7791	52	22	,	,	PUNCT
easat-7791	52	23	accountability	accountability	NOUN
easat-7791	52	24	,	,	PUNCT
easat-7791	52	25	and	and	CCONJ
easat-7791	52	26	fairness	fairness	NOUN
easat-7791	52	27	.	.	PUNCT
easat-7791	53	1	2.2	2.2	NUM
easat-7791	53	2	.	.	PUNCT
easat-7791	53	3	financial	financial	ADJ
easat-7791	53	4	technology	technology	NOUN
easat-7791	53	5	fintech	fintech	NOUN
easat-7791	53	6	is	be	AUX
easat-7791	53	7	the	the	DET
easat-7791	53	8	amalgamation	amalgamation	NOUN
easat-7791	53	9	of	of	ADP
easat-7791	53	10	financial	financial	ADJ
easat-7791	53	11	technology	technology	NOUN
easat-7791	53	12	and	and	CCONJ
easat-7791	53	13	services	service	NOUN
easat-7791	53	14	,	,	PUNCT
easat-7791	53	15	revolutionizing	revolutionize	VERB
easat-7791	53	16	numerous	numerous	ADJ
easat-7791	53	17	enterprises	enterprise	NOUN
easat-7791	53	18	from	from	ADP
easat-7791	53	19	conventional	conventional	ADJ
easat-7791	53	20	company	company	NOUN
easat-7791	53	21	models	model	NOUN
easat-7791	53	22	to	to	ADP
easat-7791	53	23	contemporary	contemporary	ADJ
easat-7791	53	24	frameworks	framework	NOUN
easat-7791	53	25	,	,	PUNCT
easat-7791	53	26	wherein	wherein	SCONJ
easat-7791	53	27	transactions	transaction	NOUN
easat-7791	53	28	such	such	ADJ
easat-7791	53	29	as	as	ADP
easat-7791	53	30	selling	selling	NOUN
easat-7791	53	31	,	,	PUNCT
easat-7791	53	32	purchasing	purchasing	NOUN
easat-7791	53	33	,	,	PUNCT
easat-7791	53	34	and	and	CCONJ
easat-7791	53	35	borrowing	borrowing	NOUN
easat-7791	53	36	can	can	AUX
easat-7791	53	37	occur	occur	VERB
easat-7791	53	38	indirectly	indirectly	ADV
easat-7791	53	39	.	.	PUNCT
easat-7791	54	1	fintech	fintech	NOUN
easat-7791	54	2	can	can	AUX
easat-7791	54	3	provide	provide	VERB
easat-7791	54	4	financial	financial	ADJ
easat-7791	54	5	services	service	NOUN
easat-7791	54	6	to	to	ADP
easat-7791	54	7	users	user	NOUN
easat-7791	54	8	previously	previously	ADV
easat-7791	54	9	inaccessible	inaccessible	ADJ
easat-7791	54	10	to	to	ADP
easat-7791	54	11	established	establish	VERB
easat-7791	54	12	institutions	institution	NOUN
easat-7791	54	13	or	or	CCONJ
easat-7791	54	14	existing	exist	VERB
easat-7791	54	15	services	service	NOUN
easat-7791	54	16	[	[	X
easat-7791	54	17	11	11	NUM
easat-7791	54	18	]	]	PUNCT
easat-7791	54	19	.	.	PUNCT
easat-7791	55	1	the	the	DET
easat-7791	55	2	fintech	fintech	NOUN
easat-7791	55	3	industry	industry	NOUN
easat-7791	55	4	is	be	AUX
easat-7791	55	5	anticipated	anticipate	VERB
easat-7791	55	6	to	to	PART
easat-7791	55	7	drive	drive	VERB
easat-7791	55	8	the	the	DET
easat-7791	55	9	growth	growth	NOUN
easat-7791	55	10	of	of	ADP
easat-7791	55	11	indonesia	indonesia	PROPN
easat-7791	55	12	’s	’s	PART
easat-7791	55	13	micro	micro	PROPN
easat-7791	55	14	,	,	PUNCT
easat-7791	55	15	small	small	ADJ
easat-7791	55	16	,	,	PUNCT
easat-7791	55	17	and	and	CCONJ
easat-7791	55	18	medium	medium	NOUN
easat-7791	55	19	companies	company	NOUN
easat-7791	55	20	[	[	X
easat-7791	55	21	12	12	NUM
easat-7791	55	22	]	]	PUNCT
easat-7791	55	23	.	.	PUNCT
easat-7791	56	1	2.3	2.3	NUM
easat-7791	56	2	.	.	PUNCT
easat-7791	57	1	technology	technology	NOUN
easat-7791	57	2	acceptance	acceptance	NOUN
easat-7791	57	3	model	model	NOUN
easat-7791	57	4	(	(	PUNCT
easat-7791	57	5	tam	tam	PROPN
easat-7791	57	6	)	)	PUNCT
easat-7791	57	7	the	the	DET
easat-7791	57	8	literature	literature	NOUN
easat-7791	57	9	on	on	ADP
easat-7791	57	10	technology	technology	NOUN
easat-7791	57	11	adoption	adoption	NOUN
easat-7791	57	12	offers	offer	VERB
easat-7791	57	13	several	several	ADJ
easat-7791	57	14	ideas	idea	NOUN
easat-7791	57	15	,	,	PUNCT
easat-7791	57	16	including	include	VERB
easat-7791	57	17	the	the	DET
easat-7791	57	18	theory	theory	NOUN
easat-7791	57	19	of	of	ADP
easat-7791	57	20	planned	plan	VERB
easat-7791	57	21	behavior	behavior	NOUN
easat-7791	57	22	(	(	PUNCT
easat-7791	57	23	tpb	tpb	NOUN
easat-7791	57	24	)	)	PUNCT
easat-7791	57	25	,	,	PUNCT
easat-7791	57	26	diffusion	diffusion	NOUN
easat-7791	57	27	of	of	ADP
easat-7791	57	28	innovation	innovation	NOUN
easat-7791	57	29	theory	theory	NOUN
easat-7791	57	30	(	(	PUNCT
easat-7791	57	31	dit	dit	PROPN
easat-7791	57	32	)	)	PUNCT
easat-7791	57	33	,	,	PUNCT
easat-7791	57	34	unified	unified	ADJ
easat-7791	57	35	theory	theory	NOUN
easat-7791	57	36	of	of	ADP
easat-7791	57	37	acceptance	acceptance	NOUN
easat-7791	57	38	and	and	CCONJ
easat-7791	57	39	use	use	NOUN
easat-7791	57	40	of	of	ADP
easat-7791	57	41	technology	technology	NOUN
easat-7791	57	42	(	(	PUNCT
easat-7791	57	43	utaut	utaut	NOUN
easat-7791	57	44	)	)	PUNCT
easat-7791	57	45	,	,	PUNCT
easat-7791	57	46	technology	technology	NOUN
easat-7791	57	47	acceptance	acceptance	NOUN
easat-7791	57	48	model	model	NOUN
easat-7791	57	49	(	(	PUNCT
easat-7791	57	50	tam	tam	PROPN
easat-7791	57	51	)	)	PUNCT
easat-7791	57	52	,	,	PUNCT
easat-7791	57	53	and	and	CCONJ
easat-7791	57	54	social	social	ADJ
easat-7791	57	55	cognitive	cognitive	ADJ
easat-7791	57	56	theory	theory	NOUN
easat-7791	57	57	.	.	PUNCT
easat-7791	58	1	there	there	PRON
easat-7791	58	2	were	be	VERB
easat-7791	58	3	two	two	NUM
easat-7791	58	4	main	main	ADJ
easat-7791	58	5	reasons	reason	NOUN
easat-7791	58	6	we	we	PRON
easat-7791	58	7	chose	choose	VERB
easat-7791	58	8	tam	tam	PROPN
easat-7791	58	9	.	.	PUNCT
easat-7791	59	1	first	first	ADV
easat-7791	59	2	,	,	PUNCT
easat-7791	59	3	unlike	unlike	ADP
easat-7791	59	4	dit	dit	PROPN
easat-7791	59	5	,	,	PUNCT
easat-7791	59	6	which	which	PRON
easat-7791	59	7	focuses	focus	VERB
easat-7791	59	8	mainly	mainly	ADV
easat-7791	59	9	on	on	ADP
easat-7791	59	10	the	the	DET
easat-7791	59	11	features	feature	NOUN
easat-7791	59	12	of	of	ADP
easat-7791	59	13	the	the	DET
easat-7791	59	14	technology	technology	NOUN
easat-7791	59	15	itself	itself	PRON
easat-7791	59	16	,	,	PUNCT
easat-7791	59	17	our	our	PRON
easat-7791	59	18	primary	primary	ADJ
easat-7791	59	19	focus	focus	NOUN
easat-7791	59	20	is	be	AUX
easat-7791	59	21	on	on	ADP
easat-7791	59	22	socioeconomic	socioeconomic	ADJ
easat-7791	59	23	variables	variable	NOUN
easat-7791	59	24	and	and	CCONJ
easat-7791	59	25	access	access	NOUN
easat-7791	59	26	to	to	ADP
easat-7791	59	27	digital	digital	ADJ
easat-7791	59	28	infrastructure	infrastructure	NOUN
easat-7791	59	29	.	.	PUNCT
easat-7791	60	1	additionally	additionally	ADV
easat-7791	60	2	,	,	PUNCT
easat-7791	60	3	we	we	PRON
easat-7791	60	4	are	be	AUX
easat-7791	60	5	more	more	ADV
easat-7791	60	6	interested	interested	ADJ
easat-7791	60	7	in	in	ADP
easat-7791	60	8	the	the	DET
easat-7791	60	9	adoption	adoption	NOUN
easat-7791	60	10	of	of	ADP
easat-7791	60	11	digital	digital	ADJ
easat-7791	60	12	payments	payment	NOUN
easat-7791	60	13	than	than	ADP
easat-7791	60	14	in	in	ADP
easat-7791	60	15	the	the	DET
easat-7791	60	16	motivations	motivation	NOUN
easat-7791	60	17	behind	behind	ADP
easat-7791	60	18	their	their	PRON
easat-7791	60	19	use	use	NOUN
easat-7791	60	20	,	,	PUNCT
easat-7791	60	21	which	which	PRON
easat-7791	60	22	is	be	AUX
easat-7791	60	23	tpb	tpb	NOUN
easat-7791	60	24	’s	’s	PART
easat-7791	60	25	primary	primary	ADJ
easat-7791	60	26	focus	focus	NOUN
easat-7791	60	27	,	,	PUNCT
easat-7791	60	28	[	[	X
easat-7791	60	29	13	13	NUM
easat-7791	60	30	-	-	SYM
easat-7791	60	31	15	15	NUM
easat-7791	60	32	]	]	PUNCT
easat-7791	60	33	have	have	AUX
easat-7791	60	34	utilized	utilize	VERB
easat-7791	60	35	tam	tam	NOUN
easat-7791	60	36	to	to	PART
easat-7791	60	37	investigate	investigate	VERB
easat-7791	60	38	the	the	DET
easat-7791	60	39	adoption	adoption	NOUN
easat-7791	60	40	of	of	ADP
easat-7791	60	41	digital	digital	ADJ
easat-7791	60	42	financial	financial	ADJ
easat-7791	60	43	services	service	NOUN
easat-7791	60	44	and	and	CCONJ
easat-7791	60	45	technologies	technology	NOUN
easat-7791	60	46	.	.	PUNCT
easat-7791	61	1	the	the	DET
easat-7791	61	2	technology	technology	NOUN
easat-7791	61	3	acceptance	acceptance	NOUN
easat-7791	61	4	model	model	NOUN
easat-7791	61	5	(	(	PUNCT
easat-7791	61	6	tam	tam	PROPN
easat-7791	61	7	)	)	PUNCT
easat-7791	61	8	is	be	AUX
easat-7791	61	9	derived	derive	VERB
easat-7791	61	10	from	from	ADP
easat-7791	61	11	the	the	DET
easat-7791	61	12	theory	theory	NOUN
easat-7791	61	13	of	of	ADP
easat-7791	61	14	reasoned	reason	VERB
easat-7791	61	15	action	action	NOUN
easat-7791	61	16	(	(	PUNCT
easat-7791	61	17	tra	tra	NOUN
easat-7791	61	18	)	)	PUNCT
easat-7791	61	19	.	.	PUNCT
easat-7791	62	1	the	the	DET
easat-7791	62	2	technology	technology	NOUN
easat-7791	62	3	acceptance	acceptance	NOUN
easat-7791	62	4	model	model	NOUN
easat-7791	62	5	(	(	PUNCT
easat-7791	62	6	tam	tam	NOUN
easat-7791	62	7	)	)	PUNCT
easat-7791	62	8	posits	posit	NOUN
easat-7791	62	9	that	that	PRON
easat-7791	62	10	perceived	perceive	VERB
easat-7791	62	11	ease	ease	NOUN
easat-7791	62	12	of	of	ADP
easat-7791	62	13	use	use	NOUN
easat-7791	62	14	and	and	CCONJ
easat-7791	62	15	perceived	perceive	VERB
easat-7791	62	16	usefulness	usefulness	NOUN
easat-7791	62	17	are	be	AUX
easat-7791	62	18	the	the	DET
easat-7791	62	19	primary	primary	ADJ
easat-7791	62	20	determinants	determinant	NOUN
easat-7791	62	21	affecting	affect	VERB
easat-7791	62	22	individual	individual	ADJ
easat-7791	62	23	acceptance	acceptance	NOUN
easat-7791	62	24	of	of	ADP
easat-7791	62	25	information	information	NOUN
easat-7791	62	26	technology	technology	NOUN
easat-7791	62	27	.	.	PUNCT
easat-7791	63	1	the	the	DET
easat-7791	63	2	perceived	perceive	VERB
easat-7791	63	3	244	244	NUM
easat-7791	63	4	edelweiss	edelweiss	PROPN
easat-7791	63	5	applied	apply	VERB
easat-7791	63	6	science	science	NOUN
easat-7791	63	7	and	and	CCONJ
easat-7791	63	8	technology	technology	NOUN
easat-7791	63	9	issn	issn	PROPN
easat-7791	63	10	:	:	PUNCT
easat-7791	63	11	2576	2576	NUM
easat-7791	63	12	-	-	SYM
easat-7791	63	13	8484	8484	NUM
easat-7791	63	14	vol	vol	NOUN
easat-7791	63	15	.	.	PROPN
easat-7791	64	1	9	9	NUM
easat-7791	64	2	,	,	PUNCT
easat-7791	64	3	no	no	INTJ
easat-7791	64	4	.	.	NOUN
easat-7791	65	1	6	6	NUM
easat-7791	65	2	:	:	SYM
easat-7791	65	3	242	242	NUM
easat-7791	65	4	-	-	SYM
easat-7791	65	5	252	252	NUM
easat-7791	65	6	,	,	PUNCT
easat-7791	65	7	2025	2025	NUM
easat-7791	65	8	doi	doi	NOUN
easat-7791	65	9	:	:	PUNCT
easat-7791	65	10	10.55214/25768484.v9i6.7791	10.55214/25768484.v9i6.7791	NUM
easat-7791	65	11	©	©	PROPN
easat-7791	65	12	2025	2025	NUM
easat-7791	65	13	by	by	ADP
easat-7791	65	14	the	the	DET
easat-7791	65	15	authors	author	NOUN
easat-7791	65	16	;	;	PUNCT
easat-7791	65	17	licensee	licensee	PROPN
easat-7791	65	18	learning	learning	NOUN
easat-7791	65	19	gate	gate	NOUN
easat-7791	65	20	usefulness	usefulness	NOUN
easat-7791	65	21	(	(	PUNCT
easat-7791	65	22	pu	pu	PROPN
easat-7791	65	23	)	)	PUNCT
easat-7791	65	24	and	and	CCONJ
easat-7791	65	25	perceived	perceive	VERB
easat-7791	65	26	ease	ease	NOUN
easat-7791	65	27	of	of	ADP
easat-7791	65	28	use	use	NOUN
easat-7791	65	29	(	(	PUNCT
easat-7791	65	30	peu	peu	NOUN
easat-7791	65	31	)	)	PUNCT
easat-7791	65	32	affect	affect	VERB
easat-7791	65	33	an	an	DET
easat-7791	65	34	individual	individual	NOUN
easat-7791	65	35	’s	’s	PART
easat-7791	65	36	attitude	attitude	NOUN
easat-7791	65	37	toward	toward	ADP
easat-7791	65	38	using	use	VERB
easat-7791	65	39	(	(	PUNCT
easat-7791	65	40	atu	atu	NOUN
easat-7791	65	41	)	)	PUNCT
easat-7791	65	42	innovation	innovation	NOUN
easat-7791	65	43	.	.	PUNCT
easat-7791	66	1	consequently	consequently	ADV
easat-7791	66	2	,	,	PUNCT
easat-7791	66	3	the	the	DET
easat-7791	66	4	factors	factor	NOUN
easat-7791	66	5	that	that	PRON
easat-7791	66	6	shape	shape	VERB
easat-7791	66	7	perceived	perceive	VERB
easat-7791	66	8	ease	ease	NOUN
easat-7791	66	9	of	of	ADP
easat-7791	66	10	use	use	NOUN
easat-7791	66	11	influence	influence	NOUN
easat-7791	66	12	the	the	DET
easat-7791	66	13	enhancement	enhancement	NOUN
easat-7791	66	14	of	of	ADP
easat-7791	66	15	perceived	perceive	VERB
easat-7791	66	16	usefulness	usefulness	NOUN
easat-7791	66	17	.	.	PUNCT
easat-7791	67	1	the	the	DET
easat-7791	67	2	user	user	NOUN
easat-7791	67	3	-	-	PUNCT
easat-7791	67	4	friendly	friendly	ADJ
easat-7791	67	5	framework	framework	NOUN
easat-7791	67	6	lets	let	VERB
easat-7791	67	7	clients	client	NOUN
easat-7791	67	8	quickly	quickly	ADV
easat-7791	67	9	grasp	grasp	VERB
easat-7791	67	10	its	its	PRON
easat-7791	67	11	functionality	functionality	NOUN
easat-7791	67	12	,	,	PUNCT
easat-7791	67	13	facilitating	facilitate	VERB
easat-7791	67	14	efficient	efficient	ADJ
easat-7791	67	15	implementation	implementation	NOUN
easat-7791	68	1	[	[	X
easat-7791	68	2	16	16	NUM
easat-7791	68	3	]	]	PUNCT
easat-7791	68	4	.	.	PUNCT
easat-7791	69	1	the	the	DET
easat-7791	69	2	attitude	attitude	NOUN
easat-7791	69	3	toward	toward	ADP
easat-7791	69	4	using	use	VERB
easat-7791	69	5	in	in	ADP
easat-7791	69	6	this	this	DET
easat-7791	69	7	construct	construct	NOUN
easat-7791	69	8	refers	refer	VERB
easat-7791	69	9	to	to	ADP
easat-7791	69	10	an	an	DET
easat-7791	69	11	individual	individual	NOUN
easat-7791	69	12	’s	’s	PART
easat-7791	69	13	acceptance	acceptance	NOUN
easat-7791	69	14	or	or	CCONJ
easat-7791	69	15	rejection	rejection	NOUN
easat-7791	69	16	of	of	ADP
easat-7791	69	17	technology	technology	NOUN
easat-7791	69	18	based	base	VERB
easat-7791	69	19	on	on	ADP
easat-7791	69	20	its	its	PRON
easat-7791	69	21	impact	impact	NOUN
easat-7791	69	22	on	on	ADP
easat-7791	69	23	their	their	PRON
easat-7791	69	24	activities	activity	NOUN
easat-7791	69	25	.	.	PUNCT
easat-7791	70	1	the	the	DET
easat-7791	70	2	behavioral	behavioral	ADJ
easat-7791	70	3	intention	intention	NOUN
easat-7791	70	4	to	to	PART
easat-7791	70	5	use	use	VERB
easat-7791	70	6	(	(	PUNCT
easat-7791	70	7	bi	bi	NOUN
easat-7791	70	8	)	)	PUNCT
easat-7791	70	9	refers	refer	VERB
easat-7791	70	10	to	to	ADP
easat-7791	70	11	the	the	DET
easat-7791	70	12	inclination	inclination	NOUN
easat-7791	70	13	to	to	PART
easat-7791	70	14	continue	continue	VERB
easat-7791	70	15	utilizing	utilize	VERB
easat-7791	70	16	specific	specific	ADJ
easat-7791	70	17	technology	technology	NOUN
easat-7791	70	18	.	.	PUNCT
easat-7791	71	1	the	the	DET
easat-7791	71	2	extent	extent	NOUN
easat-7791	71	3	of	of	ADP
easat-7791	71	4	technology	technology	NOUN
easat-7791	71	5	use	use	NOUN
easat-7791	71	6	is	be	AUX
easat-7791	71	7	reflected	reflect	VERB
easat-7791	71	8	in	in	ADP
easat-7791	71	9	the	the	DET
easat-7791	71	10	user	user	NOUN
easat-7791	71	11	's	's	PART
easat-7791	71	12	disposition	disposition	NOUN
easat-7791	71	13	towards	towards	ADP
easat-7791	71	14	it	it	PRON
easat-7791	71	15	,	,	PUNCT
easat-7791	71	16	encompassing	encompass	VERB
easat-7791	71	17	both	both	CCONJ
easat-7791	71	18	the	the	DET
easat-7791	71	19	inclination	inclination	NOUN
easat-7791	71	20	to	to	PART
easat-7791	71	21	continue	continue	VERB
easat-7791	71	22	its	its	PRON
easat-7791	71	23	use	use	NOUN
easat-7791	71	24	and	and	CCONJ
easat-7791	71	25	the	the	DET
easat-7791	71	26	impetus	impetus	NOUN
easat-7791	71	27	to	to	PART
easat-7791	71	28	advocate	advocate	VERB
easat-7791	71	29	for	for	ADP
easat-7791	71	30	it	it	PRON
easat-7791	71	31	to	to	ADP
easat-7791	71	32	others	other	NOUN
easat-7791	71	33	.	.	PUNCT
easat-7791	72	1	the	the	DET
easat-7791	72	2	actual	actual	ADJ
easat-7791	72	3	system	system	NOUN
easat-7791	72	4	usage	usage	NOUN
easat-7791	72	5	refers	refer	VERB
easat-7791	72	6	to	to	ADP
easat-7791	72	7	the	the	DET
easat-7791	72	8	empirical	empirical	ADJ
easat-7791	72	9	state	state	NOUN
easat-7791	72	10	of	of	ADP
easat-7791	72	11	employing	employ	VERB
easat-7791	72	12	a	a	DET
easat-7791	72	13	conceptualized	conceptualize	VERB
easat-7791	72	14	system	system	NOUN
easat-7791	72	15	,	,	PUNCT
easat-7791	72	16	quantified	quantify	VERB
easat-7791	72	17	by	by	ADP
easat-7791	72	18	the	the	DET
easat-7791	72	19	duration	duration	NOUN
easat-7791	72	20	and	and	CCONJ
easat-7791	72	21	frequency	frequency	NOUN
easat-7791	72	22	of	of	ADP
easat-7791	72	23	technology	technology	NOUN
easat-7791	72	24	utilization	utilization	NOUN
easat-7791	72	25	.	.	PUNCT
easat-7791	73	1	2.4	2.4	NUM
easat-7791	73	2	.	.	PUNCT
easat-7791	73	3	effect	effect	NOUN
easat-7791	73	4	of	of	ADP
easat-7791	73	5	perceived	perceive	VERB
easat-7791	73	6	ease	ease	NOUN
easat-7791	73	7	of	of	ADP
easat-7791	73	8	use	use	NOUN
easat-7791	73	9	on	on	ADP
easat-7791	73	10	attitude	attitude	NOUN
easat-7791	73	11	toward	toward	ADP
easat-7791	73	12	using	use	VERB
easat-7791	73	13	perceived	perceive	VERB
easat-7791	73	14	usefulness	usefulness	NOUN
easat-7791	73	15	is	be	AUX
easat-7791	73	16	closely	closely	ADV
easat-7791	73	17	related	relate	VERB
easat-7791	73	18	to	to	ADP
easat-7791	73	19	user	user	NOUN
easat-7791	73	20	attitudes	attitude	NOUN
easat-7791	73	21	toward	toward	ADP
easat-7791	73	22	the	the	DET
easat-7791	73	23	use	use	NOUN
easat-7791	73	24	of	of	ADP
easat-7791	73	25	technology	technology	NOUN
easat-7791	73	26	.	.	PUNCT
easat-7791	74	1	user	user	NOUN
easat-7791	74	2	attitudes	attitude	NOUN
easat-7791	74	3	are	be	AUX
easat-7791	74	4	positive	positive	ADJ
easat-7791	74	5	,	,	PUNCT
easat-7791	74	6	and	and	CCONJ
easat-7791	74	7	if	if	SCONJ
easat-7791	74	8	the	the	DET
easat-7791	74	9	perceived	perceive	VERB
easat-7791	74	10	usefulness	usefulness	NOUN
easat-7791	74	11	of	of	ADP
easat-7791	74	12	technology	technology	NOUN
easat-7791	74	13	is	be	AUX
easat-7791	74	14	high	high	ADJ
easat-7791	74	15	,	,	PUNCT
easat-7791	74	16	users	user	NOUN
easat-7791	74	17	are	be	AUX
easat-7791	74	18	more	more	ADV
easat-7791	74	19	likely	likely	ADJ
easat-7791	74	20	to	to	PART
easat-7791	74	21	accept	accept	VERB
easat-7791	74	22	and	and	CCONJ
easat-7791	74	23	adopt	adopt	VERB
easat-7791	74	24	it	it	PRON
easat-7791	74	25	rosli	rosli	VERB
easat-7791	74	26	,	,	PUNCT
easat-7791	74	27	et	et	PROPN
easat-7791	74	28	al	al	PROPN
easat-7791	74	29	.	.	PUNCT
easat-7791	75	1	[	[	X
easat-7791	75	2	17	17	NUM
easat-7791	75	3	]	]	PUNCT
easat-7791	75	4	.	.	PUNCT
easat-7791	76	1	h1	h1	PROPN
easat-7791	76	2	:	:	PUNCT
easat-7791	76	3	perceived	perceive	VERB
easat-7791	76	4	ease	ease	NOUN
easat-7791	76	5	of	of	ADP
easat-7791	76	6	use	use	NOUN
easat-7791	76	7	has	have	VERB
easat-7791	76	8	a	a	DET
easat-7791	76	9	significant	significant	ADJ
easat-7791	76	10	positive	positive	ADJ
easat-7791	76	11	effect	effect	NOUN
easat-7791	76	12	on	on	ADP
easat-7791	76	13	attitude	attitude	NOUN
easat-7791	76	14	toward	toward	ADP
easat-7791	76	15	using	use	VERB
easat-7791	76	16	2.5	2.5	NUM
easat-7791	76	17	.	.	PUNCT
easat-7791	77	1	effect	effect	NOUN
easat-7791	77	2	of	of	ADP
easat-7791	77	3	perceived	perceive	VERB
easat-7791	77	4	usefulness	usefulness	NOUN
easat-7791	77	5	on	on	ADP
easat-7791	77	6	attitude	attitude	NOUN
easat-7791	77	7	toward	toward	ADP
easat-7791	77	8	using	use	VERB
easat-7791	77	9	perceived	perceive	VERB
easat-7791	77	10	usefulness	usefulness	NOUN
easat-7791	77	11	,	,	PUNCT
easat-7791	77	12	according	accord	VERB
easat-7791	77	13	to	to	ADP
easat-7791	77	14	davis	davis	PROPN
easat-7791	77	15	[	[	X
easat-7791	77	16	16	16	NUM
easat-7791	77	17	]	]	PUNCT
easat-7791	77	18	is	be	AUX
easat-7791	77	19	a	a	DET
easat-7791	77	20	belief	belief	NOUN
easat-7791	77	21	from	from	ADP
easat-7791	77	22	a	a	DET
easat-7791	77	23	person	person	NOUN
easat-7791	77	24	that	that	PRON
easat-7791	77	25	using	use	VERB
easat-7791	77	26	a	a	DET
easat-7791	77	27	particular	particular	ADJ
easat-7791	77	28	information	information	NOUN
easat-7791	77	29	technology	technology	NOUN
easat-7791	77	30	system	system	NOUN
easat-7791	77	31	will	will	AUX
easat-7791	77	32	improve	improve	VERB
easat-7791	77	33	their	their	PRON
easat-7791	77	34	work	work	NOUN
easat-7791	77	35	performance	performance	NOUN
easat-7791	77	36	and	and	CCONJ
easat-7791	77	37	benefit	benefit	VERB
easat-7791	77	38	the	the	DET
easat-7791	77	39	person	person	NOUN
easat-7791	77	40	who	who	PRON
easat-7791	77	41	uses	use	VERB
easat-7791	77	42	it	it	PRON
easat-7791	77	43	.	.	PUNCT
easat-7791	78	1	research	research	NOUN
easat-7791	78	2	conducted	conduct	VERB
easat-7791	78	3	by	by	ADP
easat-7791	78	4	setiawan	setiawan	PROPN
easat-7791	78	5	,	,	PUNCT
easat-7791	78	6	et	et	PROPN
easat-7791	78	7	al	al	PROPN
easat-7791	78	8	.	.	PUNCT
easat-7791	79	1	[	[	X
easat-7791	79	2	18	18	NUM
easat-7791	79	3	]	]	PUNCT
easat-7791	79	4	and	and	CCONJ
easat-7791	79	5	hu	hu	PROPN
easat-7791	79	6	,	,	PUNCT
easat-7791	79	7	et	et	PROPN
easat-7791	79	8	al	al	PROPN
easat-7791	79	9	.	.	PUNCT
easat-7791	80	1	[	[	X
easat-7791	80	2	19	19	NUM
easat-7791	80	3	]	]	PUNCT
easat-7791	80	4	states	state	NOUN
easat-7791	80	5	that	that	PRON
easat-7791	80	6	perceived	perceive	VERB
easat-7791	80	7	usefulness	usefulness	NOUN
easat-7791	80	8	significantly	significantly	ADV
easat-7791	80	9	affects	affect	VERB
easat-7791	80	10	attitudes	attitude	NOUN
easat-7791	80	11	toward	toward	ADP
easat-7791	80	12	using	use	VERB
easat-7791	80	13	fintech	fintech	NOUN
easat-7791	80	14	.	.	PUNCT
easat-7791	81	1	h2	h2	NOUN
easat-7791	81	2	:	:	PUNCT
easat-7791	81	3	perceived	perceive	VERB
easat-7791	81	4	ease	ease	NOUN
easat-7791	81	5	of	of	ADP
easat-7791	81	6	use	use	NOUN
easat-7791	81	7	has	have	VERB
easat-7791	81	8	a	a	DET
easat-7791	81	9	significant	significant	ADJ
easat-7791	81	10	positive	positive	ADJ
easat-7791	81	11	effect	effect	NOUN
easat-7791	81	12	on	on	ADP
easat-7791	81	13	attitude	attitude	NOUN
easat-7791	81	14	toward	toward	ADP
easat-7791	81	15	using	use	VERB
easat-7791	81	16	.	.	PUNCT
easat-7791	82	1	2.6	2.6	NUM
easat-7791	82	2	.	.	PUNCT
easat-7791	82	3	effect	effect	NOUN
easat-7791	82	4	perceived	perceive	VERB
easat-7791	82	5	ease	ease	NOUN
easat-7791	82	6	of	of	ADP
easat-7791	82	7	use	use	NOUN
easat-7791	82	8	on	on	ADP
easat-7791	82	9	fintech	fintech	NOUN
easat-7791	82	10	adoption	adoption	NOUN
easat-7791	82	11	payment	payment	NOUN
easat-7791	82	12	users	user	NOUN
easat-7791	82	13	feel	feel	VERB
easat-7791	82	14	that	that	SCONJ
easat-7791	82	15	fintech	fintech	NOUN
easat-7791	82	16	payments	payment	NOUN
easat-7791	82	17	are	be	AUX
easat-7791	82	18	easy	easy	ADJ
easat-7791	82	19	to	to	PART
easat-7791	82	20	use	use	VERB
easat-7791	82	21	,	,	PUNCT
easat-7791	82	22	and	and	CCONJ
easat-7791	82	23	it	it	PRON
easat-7791	82	24	will	will	AUX
easat-7791	82	25	encourage	encourage	VERB
easat-7791	82	26	someone	someone	PRON
easat-7791	82	27	to	to	PART
easat-7791	82	28	adopt	adopt	VERB
easat-7791	82	29	fintech	fintech	NOUN
easat-7791	82	30	payments	payment	NOUN
easat-7791	82	31	.	.	PUNCT
easat-7791	83	1	so	so	ADV
easat-7791	83	2	,	,	PUNCT
easat-7791	83	3	fintech	fintech	NOUN
easat-7791	83	4	payment	payment	NOUN
easat-7791	83	5	providers	provider	NOUN
easat-7791	83	6	need	need	VERB
easat-7791	83	7	to	to	PART
easat-7791	83	8	ensure	ensure	VERB
easat-7791	83	9	their	their	PRON
easat-7791	83	10	payment	payment	NOUN
easat-7791	83	11	systems	system	NOUN
easat-7791	83	12	are	be	AUX
easat-7791	83	13	user	user	NOUN
easat-7791	83	14	-	-	PUNCT
easat-7791	83	15	friendly	friendly	ADJ
easat-7791	83	16	and	and	CCONJ
easat-7791	83	17	easy	easy	ADJ
easat-7791	83	18	to	to	PART
easat-7791	83	19	use	use	VERB
easat-7791	83	20	to	to	PART
easat-7791	83	21	promote	promote	VERB
easat-7791	83	22	the	the	DET
easat-7791	83	23	adoption	adoption	NOUN
easat-7791	83	24	of	of	ADP
easat-7791	83	25	fintech	fintech	NOUN
easat-7791	83	26	payment	payment	NOUN
easat-7791	83	27	.	.	PUNCT
easat-7791	84	1	in	in	ADP
easat-7791	84	2	some	some	DET
easat-7791	84	3	previous	previous	ADJ
easat-7791	84	4	literature	literature	NOUN
easat-7791	84	5	related	relate	VERB
easat-7791	84	6	to	to	ADP
easat-7791	84	7	the	the	DET
easat-7791	84	8	use	use	NOUN
easat-7791	84	9	of	of	ADP
easat-7791	84	10	fintech	fintech	NOUN
easat-7791	84	11	payments	payment	NOUN
easat-7791	84	12	,	,	PUNCT
easat-7791	84	13	they	they	PRON
easat-7791	84	14	often	often	ADV
easat-7791	84	15	find	find	VERB
easat-7791	84	16	a	a	DET
easat-7791	84	17	relationship	relationship	NOUN
easat-7791	84	18	between	between	ADP
easat-7791	84	19	perceived	perceive	VERB
easat-7791	84	20	user	user	NOUN
easat-7791	84	21	convenience	convenience	NOUN
easat-7791	84	22	and	and	CCONJ
easat-7791	84	23	fintech	fintech	NOUN
easat-7791	84	24	adoption	adoption	NOUN
easat-7791	84	25	[	[	X
easat-7791	84	26	9	9	NUM
easat-7791	84	27	]	]	PUNCT
easat-7791	84	28	.	.	PUNCT
easat-7791	85	1	h3	h3	NOUN
easat-7791	85	2	:	:	PUNCT
easat-7791	85	3	perceived	perceive	VERB
easat-7791	85	4	ease	ease	NOUN
easat-7791	85	5	of	of	ADP
easat-7791	85	6	use	use	NOUN
easat-7791	85	7	on	on	ADP
easat-7791	85	8	.	.	PUNCT
easat-7791	85	9	has	have	VERB
easat-7791	85	10	a	a	DET
easat-7791	85	11	significant	significant	ADJ
easat-7791	85	12	positive	positive	ADJ
easat-7791	85	13	effect	effect	NOUN
easat-7791	85	14	on	on	ADP
easat-7791	85	15	fintech	fintech	NOUN
easat-7791	85	16	adoption	adoption	NOUN
easat-7791	85	17	payment	payment	NOUN
easat-7791	85	18	2.7	2.7	NUM
easat-7791	85	19	.	.	PUNCT
easat-7791	86	1	effect	effect	NOUN
easat-7791	86	2	perceived	perceive	VERB
easat-7791	86	3	usefulness	usefulness	NOUN
easat-7791	86	4	on	on	ADP
easat-7791	86	5	fintech	fintech	NOUN
easat-7791	86	6	adoption	adoption	NOUN
easat-7791	86	7	payment	payment	NOUN
easat-7791	86	8	users	user	NOUN
easat-7791	86	9	consider	consider	VERB
easat-7791	86	10	fintech	fintech	NOUN
easat-7791	86	11	payments	payment	NOUN
easat-7791	86	12	to	to	PART
easat-7791	86	13	be	be	AUX
easat-7791	86	14	beneficial	beneficial	ADJ
easat-7791	86	15	,	,	PUNCT
easat-7791	86	16	and	and	CCONJ
easat-7791	86	17	they	they	PRON
easat-7791	86	18	will	will	AUX
easat-7791	86	19	likely	likely	ADV
easat-7791	86	20	adopt	adopt	VERB
easat-7791	86	21	them	they	PRON
easat-7791	86	22	.	.	PUNCT
easat-7791	87	1	these	these	DET
easat-7791	87	2	benefits	benefit	NOUN
easat-7791	87	3	include	include	VERB
easat-7791	87	4	ease	ease	NOUN
easat-7791	87	5	of	of	ADP
easat-7791	87	6	transactions	transaction	NOUN
easat-7791	87	7	,	,	PUNCT
easat-7791	87	8	timeliness	timeliness	NOUN
easat-7791	87	9	,	,	PUNCT
easat-7791	87	10	the	the	DET
easat-7791	87	11	ability	ability	NOUN
easat-7791	87	12	to	to	PART
easat-7791	87	13	do	do	AUX
easat-7791	87	14	transactions	transaction	NOUN
easat-7791	87	15	anywhere	anywhere	ADV
easat-7791	87	16	,	,	PUNCT
easat-7791	87	17	and	and	CCONJ
easat-7791	87	18	network	network	NOUN
easat-7791	87	19	stability	stability	NOUN
easat-7791	87	20	.	.	PUNCT
easat-7791	88	1	several	several	ADJ
easat-7791	88	2	studies	study	NOUN
easat-7791	88	3	have	have	AUX
easat-7791	88	4	shown	show	VERB
easat-7791	88	5	a	a	DET
easat-7791	88	6	significant	significant	ADJ
easat-7791	88	7	favorable	favorable	ADJ
easat-7791	88	8	influence	influence	NOUN
easat-7791	88	9	between	between	ADP
easat-7791	88	10	perceived	perceive	VERB
easat-7791	88	11	usefulness	usefulness	NOUN
easat-7791	88	12	and	and	CCONJ
easat-7791	88	13	fintech	fintech	NOUN
easat-7791	88	14	payment	payment	NOUN
easat-7791	88	15	adoption	adoption	NOUN
easat-7791	88	16	[	[	X
easat-7791	88	17	20	20	NUM
easat-7791	88	18	]	]	PUNCT
easat-7791	88	19	.	.	PUNCT
easat-7791	89	1	h4	h4	PROPN
easat-7791	89	2	:	:	PUNCT
easat-7791	89	3	perceived	perceive	VERB
easat-7791	89	4	usefulness	usefulness	NOUN
easat-7791	89	5	has	have	VERB
easat-7791	89	6	a	a	DET
easat-7791	89	7	significant	significant	ADJ
easat-7791	89	8	positive	positive	ADJ
easat-7791	89	9	effect	effect	NOUN
easat-7791	89	10	on	on	ADP
easat-7791	89	11	fintech	fintech	NOUN
easat-7791	89	12	adoption	adoption	NOUN
easat-7791	89	13	payment	payment	NOUN
easat-7791	89	14	.	.	PUNCT
easat-7791	90	1	2.8	2.8	NUM
easat-7791	90	2	.	.	PUNCT
easat-7791	90	3	effect	effect	NOUN
easat-7791	90	4	attitude	attitude	NOUN
easat-7791	90	5	toward	toward	ADP
easat-7791	90	6	using	use	VERB
easat-7791	90	7	on	on	ADP
easat-7791	90	8	fintech	fintech	NOUN
easat-7791	90	9	adoption	adoption	NOUN
easat-7791	90	10	payment	payment	NOUN
easat-7791	90	11	positive	positive	ADJ
easat-7791	90	12	attitudes	attitude	NOUN
easat-7791	90	13	towards	towards	ADP
easat-7791	90	14	fintech	fintech	NOUN
easat-7791	90	15	services	service	NOUN
easat-7791	90	16	among	among	ADP
easat-7791	90	17	potential	potential	ADJ
easat-7791	90	18	consumers	consumer	NOUN
easat-7791	90	19	can	can	AUX
easat-7791	90	20	increase	increase	VERB
easat-7791	90	21	their	their	PRON
easat-7791	90	22	intention	intention	NOUN
easat-7791	90	23	to	to	PART
easat-7791	90	24	adopt	adopt	VERB
easat-7791	90	25	them	they	PRON
easat-7791	90	26	.	.	PUNCT
easat-7791	91	1	according	accord	VERB
easat-7791	91	2	to	to	ADP
easat-7791	91	3	hu	hu	PROPN
easat-7791	91	4	,	,	PUNCT
easat-7791	91	5	et	et	PROPN
easat-7791	91	6	al	al	PROPN
easat-7791	91	7	.	.	PUNCT
easat-7791	92	1	[	[	X
easat-7791	92	2	19	19	NUM
easat-7791	92	3	]	]	PUNCT
easat-7791	92	4	attitude	attitude	NOUN
easat-7791	92	5	toward	toward	ADP
easat-7791	92	6	using	use	VERB
easat-7791	92	7	significantly	significantly	ADV
easat-7791	92	8	influences	influence	NOUN
easat-7791	92	9	fintech	fintech	NOUN
easat-7791	92	10	adoption	adoption	NOUN
easat-7791	92	11	.	.	PUNCT
easat-7791	93	1	this	this	PRON
easat-7791	93	2	is	be	AUX
easat-7791	93	3	in	in	ADP
easat-7791	93	4	line	line	NOUN
easat-7791	93	5	with	with	ADP
easat-7791	93	6	riskinanto	riskinanto	NOUN
easat-7791	93	7	,	,	PUNCT
easat-7791	93	8	et	et	PROPN
easat-7791	93	9	al	al	PROPN
easat-7791	93	10	.	.	PUNCT
easat-7791	94	1	[	[	X
easat-7791	94	2	21	21	NUM
easat-7791	94	3	]	]	PUNCT
easat-7791	94	4	which	which	PRON
easat-7791	94	5	states	state	VERB
easat-7791	94	6	that	that	SCONJ
easat-7791	94	7	attitude	attitude	NOUN
easat-7791	94	8	toward	toward	ADP
easat-7791	94	9	using	use	VERB
easat-7791	94	10	affects	affect	NOUN
easat-7791	94	11	fintech	fintech	NOUN
easat-7791	94	12	adoption	adoption	NOUN
easat-7791	94	13	.	.	PUNCT
easat-7791	95	1	user	user	NOUN
easat-7791	95	2	attitudes	attitude	NOUN
easat-7791	95	3	play	play	VERB
easat-7791	95	4	an	an	DET
easat-7791	95	5	important	important	ADJ
easat-7791	95	6	role	role	NOUN
easat-7791	95	7	in	in	ADP
easat-7791	95	8	fintech	fintech	NOUN
easat-7791	95	9	adoption	adoption	NOUN
easat-7791	95	10	[	[	X
easat-7791	95	11	18	18	NUM
easat-7791	95	12	]	]	PUNCT
easat-7791	95	13	.	.	PUNCT
easat-7791	96	1	h5	h5	PROPN
easat-7791	96	2	:	:	PUNCT
easat-7791	96	3	attitude	attitude	NOUN
easat-7791	96	4	toward	toward	ADP
easat-7791	96	5	using	use	VERB
easat-7791	96	6	has	have	VERB
easat-7791	96	7	a	a	DET
easat-7791	96	8	significant	significant	ADJ
easat-7791	96	9	positive	positive	ADJ
easat-7791	96	10	effect	effect	NOUN
easat-7791	96	11	on	on	ADP
easat-7791	96	12	fintech	fintech	NOUN
easat-7791	96	13	adoption	adoption	NOUN
easat-7791	96	14	payment	payment	NOUN
easat-7791	96	15	.	.	PUNCT
easat-7791	97	1	2.9	2.9	NUM
easat-7791	97	2	.	.	PUNCT
easat-7791	97	3	effect	effect	NOUN
easat-7791	97	4	attitude	attitude	NOUN
easat-7791	97	5	toward	toward	ADP
easat-7791	97	6	using	use	VERB
easat-7791	97	7	as	as	ADP
easat-7791	97	8	a	a	DET
easat-7791	97	9	mediation	mediation	NOUN
easat-7791	97	10	of	of	ADP
easat-7791	97	11	perceived	perceive	VERB
easat-7791	97	12	ease	ease	NOUN
easat-7791	97	13	of	of	ADP
easat-7791	97	14	use	use	NOUN
easat-7791	97	15	towards	towards	ADP
easat-7791	97	16	fintech	fintech	NOUN
easat-7791	97	17	payment	payment	NOUN
easat-7791	97	18	adoption	adoption	NOUN
easat-7791	97	19	individuals	individual	NOUN
easat-7791	97	20	use	use	VERB
easat-7791	97	21	new	new	ADJ
easat-7791	97	22	technologies	technology	NOUN
easat-7791	97	23	because	because	SCONJ
easat-7791	97	24	of	of	ADP
easat-7791	97	25	perceived	perceive	VERB
easat-7791	97	26	extrinsic	extrinsic	ADJ
easat-7791	97	27	benefits	benefit	NOUN
easat-7791	97	28	(	(	PUNCT
easat-7791	97	29	e.g.	e.g.	ADV
easat-7791	97	30	,	,	PUNCT
easat-7791	97	31	usefulness	usefulness	NOUN
easat-7791	97	32	and	and	CCONJ
easat-7791	97	33	ease	ease	NOUN
easat-7791	97	34	of	of	ADP
easat-7791	97	35	use	use	NOUN
easat-7791	97	36	)	)	PUNCT
easat-7791	97	37	and	and	CCONJ
easat-7791	97	38	intrinsic	intrinsic	ADJ
easat-7791	97	39	benefits	benefit	NOUN
easat-7791	97	40	(	(	PUNCT
easat-7791	97	41	e.g.	e.g.	ADV
easat-7791	97	42	,	,	PUNCT
easat-7791	97	43	enjoyment	enjoyment	NOUN
easat-7791	97	44	and	and	CCONJ
easat-7791	97	45	hedonic	hedonic	ADJ
easat-7791	97	46	benefits	benefit	NOUN
easat-7791	97	47	)	)	PUNCT
easat-7791	97	48	.	.	PUNCT
easat-7791	98	1	many	many	ADJ
easat-7791	98	2	studies	study	NOUN
easat-7791	98	3	have	have	AUX
easat-7791	98	4	described	describe	VERB
easat-7791	98	5	positive	positive	ADJ
easat-7791	98	6	attitudes	attitude	NOUN
easat-7791	98	7	and	and	CCONJ
easat-7791	98	8	effects	effect	NOUN
easat-7791	98	9	of	of	ADP
easat-7791	98	10	digital	digital	ADJ
easat-7791	98	11	convenience	convenience	NOUN
easat-7791	98	12	.	.	PUNCT
easat-7791	99	1	for	for	ADP
easat-7791	99	2	example	example	NOUN
easat-7791	99	3	,	,	PUNCT
easat-7791	99	4	the	the	DET
easat-7791	99	5	extension	extension	NOUN
easat-7791	99	6	of	of	ADP
easat-7791	99	7	tam	tam	NOUN
easat-7791	99	8	in	in	ADP
easat-7791	99	9	the	the	DET
easat-7791	99	10	context	context	NOUN
easat-7791	99	11	of	of	ADP
easat-7791	99	12	mobile	mobile	ADJ
easat-7791	99	13	245	245	NUM
easat-7791	99	14	edelweiss	edelweiss	PROPN
easat-7791	99	15	applied	apply	VERB
easat-7791	99	16	science	science	NOUN
easat-7791	99	17	and	and	CCONJ
easat-7791	99	18	technology	technology	NOUN
easat-7791	99	19	issn	issn	PROPN
easat-7791	99	20	:	:	PUNCT
easat-7791	99	21	2576	2576	NUM
easat-7791	99	22	-	-	SYM
easat-7791	99	23	8484	8484	NUM
easat-7791	99	24	vol	vol	NOUN
easat-7791	99	25	.	.	PROPN
easat-7791	100	1	9	9	NUM
easat-7791	100	2	,	,	PUNCT
easat-7791	100	3	no	no	INTJ
easat-7791	100	4	.	.	NOUN
easat-7791	101	1	6	6	NUM
easat-7791	101	2	:	:	SYM
easat-7791	101	3	242	242	NUM
easat-7791	101	4	-	-	SYM
easat-7791	101	5	252	252	NUM
easat-7791	101	6	,	,	PUNCT
easat-7791	101	7	2025	2025	NUM
easat-7791	101	8	doi	doi	NOUN
easat-7791	101	9	:	:	PUNCT
easat-7791	101	10	10.55214/25768484.v9i6.7791	10.55214/25768484.v9i6.7791	NUM
easat-7791	101	11	©	©	PROPN
easat-7791	101	12	2025	2025	NUM
easat-7791	101	13	by	by	ADP
easat-7791	101	14	the	the	DET
easat-7791	101	15	authors	author	NOUN
easat-7791	101	16	;	;	PUNCT
easat-7791	101	17	licensee	licensee	PROPN
easat-7791	101	18	learning	learn	VERB
easat-7791	101	19	gate	gate	PROPN
easat-7791	101	20	banking	banking	PROPN
easat-7791	101	21	and	and	CCONJ
easat-7791	101	22	information	information	NOUN
easat-7791	101	23	systems	system	NOUN
easat-7791	101	24	has	have	AUX
easat-7791	101	25	shown	show	VERB
easat-7791	101	26	that	that	SCONJ
easat-7791	101	27	convenience	convenience	NOUN
easat-7791	101	28	has	have	VERB
easat-7791	101	29	a	a	DET
easat-7791	101	30	significant	significant	ADJ
easat-7791	101	31	positive	positive	ADJ
easat-7791	101	32	effect	effect	NOUN
easat-7791	101	33	on	on	ADP
easat-7791	101	34	user	user	NOUN
easat-7791	101	35	attitudes	attitude	NOUN
easat-7791	101	36	toward	toward	ADP
easat-7791	101	37	using	use	VERB
easat-7791	101	38	mobile	mobile	ADJ
easat-7791	101	39	applications	application	NOUN
easat-7791	101	40	.	.	PUNCT
easat-7791	102	1	this	this	PRON
easat-7791	102	2	aligns	align	VERB
easat-7791	102	3	with	with	ADP
easat-7791	102	4	research	research	NOUN
easat-7791	102	5	amin	amin	NOUN
easat-7791	102	6	,	,	PUNCT
easat-7791	102	7	et	et	PROPN
easat-7791	102	8	al	al	PROPN
easat-7791	102	9	.	.	PUNCT
easat-7791	103	1	[	[	X
easat-7791	103	2	22	22	NUM
easat-7791	103	3	]	]	PUNCT
easat-7791	103	4	which	which	PRON
easat-7791	103	5	states	state	VERB
easat-7791	103	6	that	that	SCONJ
easat-7791	103	7	attitude	attitude	NOUN
easat-7791	103	8	toward	toward	ADP
easat-7791	103	9	using	use	VERB
easat-7791	103	10	mediates	mediate	NOUN
easat-7791	103	11	perceived	perceive	VERB
easat-7791	103	12	ease	ease	NOUN
easat-7791	103	13	of	of	ADP
easat-7791	103	14	use	use	NOUN
easat-7791	103	15	and	and	CCONJ
easat-7791	103	16	perceived	perceive	VERB
easat-7791	103	17	usefulness	usefulness	NOUN
easat-7791	103	18	towards	towards	ADP
easat-7791	103	19	consumer	consumer	NOUN
easat-7791	103	20	adoption	adoption	NOUN
easat-7791	103	21	.	.	PUNCT
easat-7791	104	1	h6	h6	NOUN
easat-7791	104	2	:	:	PUNCT
easat-7791	104	3	attitude	attitude	NOUN
easat-7791	104	4	toward	toward	ADP
easat-7791	104	5	using	use	VERB
easat-7791	104	6	mediates	mediate	NOUN
easat-7791	104	7	the	the	DET
easat-7791	104	8	effect	effect	NOUN
easat-7791	104	9	of	of	ADP
easat-7791	104	10	perceived	perceive	VERB
easat-7791	104	11	ease	ease	NOUN
easat-7791	104	12	of	of	ADP
easat-7791	104	13	use	use	NOUN
easat-7791	104	14	on	on	ADP
easat-7791	104	15	fintech	fintech	NOUN
easat-7791	104	16	payment	payment	NOUN
easat-7791	104	17	adoption	adoption	NOUN
easat-7791	104	18	2.10	2.10	NUM
easat-7791	104	19	.	.	PUNCT
easat-7791	105	1	effect	effect	NOUN
easat-7791	105	2	attitude	attitude	NOUN
easat-7791	105	3	toward	toward	ADP
easat-7791	105	4	using	use	VERB
easat-7791	105	5	as	as	ADP
easat-7791	105	6	a	a	DET
easat-7791	105	7	mediation	mediation	NOUN
easat-7791	105	8	of	of	ADP
easat-7791	105	9	perceived	perceive	VERB
easat-7791	105	10	usefulness	usefulness	NOUN
easat-7791	105	11	on	on	ADP
easat-7791	105	12	towards	towards	ADP
easat-7791	105	13	fintech	fintech	NOUN
easat-7791	105	14	payment	payment	NOUN
easat-7791	105	15	adoption	adoption	NOUN
easat-7791	105	16	if	if	SCONJ
easat-7791	105	17	users	user	NOUN
easat-7791	105	18	understand	understand	VERB
easat-7791	105	19	that	that	SCONJ
easat-7791	105	20	using	use	VERB
easat-7791	105	21	an	an	DET
easat-7791	105	22	application	application	NOUN
easat-7791	105	23	will	will	AUX
easat-7791	105	24	benefit	benefit	VERB
easat-7791	105	25	and	and	CCONJ
easat-7791	105	26	meet	meet	VERB
easat-7791	105	27	their	their	PRON
easat-7791	105	28	needs	need	NOUN
easat-7791	105	29	,	,	PUNCT
easat-7791	105	30	they	they	PRON
easat-7791	105	31	will	will	AUX
easat-7791	105	32	take	take	VERB
easat-7791	105	33	a	a	DET
easat-7791	105	34	positive	positive	ADJ
easat-7791	105	35	attitude	attitude	NOUN
easat-7791	105	36	.	.	PUNCT
easat-7791	106	1	for	for	ADP
easat-7791	106	2	this	this	PRON
easat-7791	106	3	,	,	PUNCT
easat-7791	106	4	indarsin	indarsin	NOUN
easat-7791	106	5	and	and	CCONJ
easat-7791	106	6	ali	ali	PROPN
easat-7791	107	1	[	[	X
easat-7791	107	2	23	23	NUM
easat-7791	107	3	]	]	PUNCT
easat-7791	107	4	found	find	VERB
easat-7791	107	5	that	that	SCONJ
easat-7791	107	6	usefulness	usefulness	NOUN
easat-7791	107	7	explains	explain	VERB
easat-7791	107	8	how	how	SCONJ
easat-7791	107	9	much	much	ADJ
easat-7791	107	10	a	a	DET
easat-7791	107	11	person	person	NOUN
easat-7791	107	12	’s	’s	PART
easat-7791	107	13	attitude	attitude	NOUN
easat-7791	107	14	is	be	AUX
easat-7791	107	15	in	in	ADP
easat-7791	107	16	using	use	VERB
easat-7791	107	17	technology	technology	NOUN
easat-7791	107	18	.	.	PUNCT
easat-7791	108	1	this	this	PRON
easat-7791	108	2	aligns	align	VERB
easat-7791	108	3	with	with	ADP
easat-7791	108	4	research	research	NOUN
easat-7791	108	5	amin	amin	NOUN
easat-7791	108	6	,	,	PUNCT
easat-7791	108	7	et	et	PROPN
easat-7791	108	8	al	al	PROPN
easat-7791	108	9	.	.	PUNCT
easat-7791	109	1	[	[	X
easat-7791	109	2	22	22	NUM
easat-7791	109	3	]	]	PUNCT
easat-7791	109	4	which	which	PRON
easat-7791	109	5	states	state	VERB
easat-7791	109	6	that	that	SCONJ
easat-7791	109	7	attitude	attitude	NOUN
easat-7791	109	8	toward	toward	ADP
easat-7791	109	9	using	use	VERB
easat-7791	109	10	mediates	mediate	NOUN
easat-7791	109	11	perceived	perceive	VERB
easat-7791	109	12	ease	ease	NOUN
easat-7791	109	13	of	of	ADP
easat-7791	109	14	use	use	NOUN
easat-7791	109	15	and	and	CCONJ
easat-7791	109	16	perceived	perceive	VERB
easat-7791	109	17	usefulness	usefulness	NOUN
easat-7791	109	18	toward	toward	ADP
easat-7791	109	19	consumer	consumer	NOUN
easat-7791	109	20	adoption	adoption	NOUN
easat-7791	109	21	.	.	PUNCT
easat-7791	110	1	h7	h7	NOUN
easat-7791	110	2	:	:	PUNCT
easat-7791	110	3	attitude	attitude	NOUN
easat-7791	110	4	toward	toward	ADP
easat-7791	110	5	using	use	VERB
easat-7791	110	6	mediates	mediate	NOUN
easat-7791	110	7	the	the	DET
easat-7791	110	8	effect	effect	NOUN
easat-7791	110	9	of	of	ADP
easat-7791	110	10	perceived	perceive	VERB
easat-7791	110	11	usefulness	usefulness	NOUN
easat-7791	110	12	on	on	ADP
easat-7791	110	13	fintech	fintech	NOUN
easat-7791	110	14	payment	payment	NOUN
easat-7791	110	15	adoption	adoption	NOUN
easat-7791	110	16	.	.	PUNCT
easat-7791	111	1	figure	figure	NOUN
easat-7791	111	2	1	1	NUM
easat-7791	111	3	.	.	PUNCT
easat-7791	112	1	conceptual	conceptual	ADJ
easat-7791	112	2	frameworks	framework	NOUN
easat-7791	112	3	.	.	PUNCT
easat-7791	113	1	3	3	X
easat-7791	113	2	.	.	X
easat-7791	113	3	research	research	NOUN
easat-7791	113	4	method	method	NOUN
easat-7791	113	5	this	this	DET
easat-7791	113	6	study	study	NOUN
easat-7791	113	7	was	be	AUX
easat-7791	113	8	conducted	conduct	VERB
easat-7791	113	9	on	on	ADP
easat-7791	113	10	msme	msme	NOUN
easat-7791	113	11	’s	’s	PART
easat-7791	113	12	food	food	NOUN
easat-7791	113	13	and	and	CCONJ
easat-7791	113	14	beverage	beverage	NOUN
easat-7791	113	15	businesses	business	NOUN
easat-7791	113	16	in	in	ADP
easat-7791	113	17	surabaya	surabaya	PROPN
easat-7791	113	18	to	to	PART
easat-7791	113	19	determine	determine	VERB
easat-7791	113	20	the	the	DET
easat-7791	113	21	factors	factor	NOUN
easat-7791	113	22	influencing	influence	VERB
easat-7791	113	23	micro	micro	NOUN
easat-7791	113	24	-	-	NOUN
easat-7791	113	25	business	business	ADJ
easat-7791	113	26	actors	actor	NOUN
easat-7791	113	27	to	to	PART
easat-7791	113	28	use	use	VERB
easat-7791	113	29	fintech	fintech	NOUN
easat-7791	113	30	payments	payment	NOUN
easat-7791	113	31	.	.	PUNCT
easat-7791	114	1	this	this	DET
easat-7791	114	2	study	study	NOUN
easat-7791	114	3	uses	use	VERB
easat-7791	114	4	a	a	DET
easat-7791	114	5	quantitative	quantitative	ADJ
easat-7791	114	6	method	method	NOUN
easat-7791	114	7	to	to	PART
easat-7791	114	8	examine	examine	VERB
easat-7791	114	9	the	the	DET
easat-7791	114	10	perceived	perceive	VERB
easat-7791	114	11	ease	ease	NOUN
easat-7791	114	12	of	of	ADP
easat-7791	114	13	use	use	NOUN
easat-7791	114	14	and	and	CCONJ
easat-7791	114	15	usefulness	usefulness	NOUN
easat-7791	114	16	of	of	ADP
easat-7791	114	17	fintech	fintech	NOUN
easat-7791	114	18	payment	payment	NOUN
easat-7791	114	19	adoption	adoption	NOUN
easat-7791	114	20	through	through	ADP
easat-7791	114	21	the	the	DET
easat-7791	114	22	attitude	attitude	NOUN
easat-7791	114	23	toward	toward	ADP
easat-7791	114	24	using	use	VERB
easat-7791	114	25	the	the	DET
easat-7791	114	26	variable	variable	NOUN
easat-7791	114	27	as	as	ADP
easat-7791	114	28	an	an	DET
easat-7791	114	29	intervening	intervene	VERB
easat-7791	114	30	variable	variable	NOUN
easat-7791	114	31	.	.	PUNCT
easat-7791	115	1	this	this	DET
easat-7791	115	2	study	study	NOUN
easat-7791	115	3	employed	employ	VERB
easat-7791	115	4	a	a	DET
easat-7791	115	5	quantitative	quantitative	ADJ
easat-7791	115	6	approach	approach	NOUN
easat-7791	115	7	,	,	PUNCT
easat-7791	115	8	building	build	VERB
easat-7791	115	9	on	on	ADP
easat-7791	115	10	prior	prior	ADJ
easat-7791	115	11	research	research	NOUN
easat-7791	115	12	in	in	ADP
easat-7791	115	13	technology	technology	NOUN
easat-7791	115	14	adoption	adoption	NOUN
easat-7791	115	15	.	.	PUNCT
easat-7791	116	1	primary	primary	ADJ
easat-7791	116	2	quantitative	quantitative	ADJ
easat-7791	116	3	data	datum	NOUN
easat-7791	116	4	were	be	AUX
easat-7791	116	5	collected	collect	VERB
easat-7791	116	6	via	via	ADP
easat-7791	116	7	an	an	DET
easat-7791	116	8	online	online	ADJ
easat-7791	116	9	questionnaire	questionnaire	NOUN
easat-7791	116	10	distributed	distribute	VERB
easat-7791	116	11	to	to	ADP
easat-7791	116	12	respondents	respondent	NOUN
easat-7791	116	13	through	through	ADP
easat-7791	116	14	email	email	NOUN
easat-7791	116	15	.	.	PUNCT
easat-7791	117	1	the	the	DET
easat-7791	117	2	constructs	construct	NOUN
easat-7791	117	3	were	be	AUX
easat-7791	117	4	linked	link	VERB
easat-7791	117	5	to	to	ADP
easat-7791	117	6	measurement	measurement	NOUN
easat-7791	117	7	items	item	NOUN
easat-7791	117	8	,	,	PUNCT
easat-7791	117	9	each	each	PRON
easat-7791	117	10	represented	represent	VERB
easat-7791	117	11	by	by	ADP
easat-7791	117	12	an	an	DET
easat-7791	117	13	inquiry	inquiry	NOUN
easat-7791	117	14	statement	statement	NOUN
easat-7791	117	15	.	.	PUNCT
easat-7791	118	1	the	the	DET
easat-7791	118	2	questionnaire	questionnaire	NOUN
easat-7791	118	3	assessed	assess	VERB
easat-7791	118	4	respondents	respondent	NOUN
easat-7791	118	5	’	'	PUNCT
easat-7791	118	6	agreement	agreement	NOUN
easat-7791	118	7	with	with	ADP
easat-7791	118	8	the	the	DET
easat-7791	118	9	provided	provide	VERB
easat-7791	118	10	statements	statement	NOUN
easat-7791	118	11	using	use	VERB
easat-7791	118	12	a	a	DET
easat-7791	118	13	1	1	NUM
easat-7791	118	14	to	to	PART
easat-7791	118	15	5	5	NUM
easat-7791	118	16	scale	scale	NOUN
easat-7791	118	17	,	,	PUNCT
easat-7791	118	18	where	where	SCONJ
easat-7791	118	19	one	one	NUM
easat-7791	118	20	indicated	indicate	VERB
easat-7791	118	21	“	"	PUNCT
easat-7791	118	22	strongly	strongly	ADV
easat-7791	118	23	disagree	disagree	VERB
easat-7791	118	24	,	,	PUNCT
easat-7791	118	25	”	"	PUNCT
easat-7791	118	26	and	and	CCONJ
easat-7791	118	27	five	five	NUM
easat-7791	118	28	indicated	indicate	VERB
easat-7791	118	29	“	"	PUNCT
easat-7791	118	30	strongly	strongly	ADV
easat-7791	118	31	agree	agree	VERB
easat-7791	118	32	.	.	PUNCT
easat-7791	118	33	”	"	PUNCT
easat-7791	119	1	responses	response	NOUN
easat-7791	119	2	were	be	AUX
easat-7791	119	3	collected	collect	VERB
easat-7791	119	4	from	from	ADP
easat-7791	119	5	december	december	PROPN
easat-7791	119	6	2023	2023	NUM
easat-7791	119	7	to	to	ADP
easat-7791	119	8	april	april	PROPN
easat-7791	119	9	2024	2024	NUM
easat-7791	119	10	.	.	PUNCT
easat-7791	120	1	after	after	ADP
easat-7791	120	2	data	data	NOUN
easat-7791	120	3	collection	collection	NOUN
easat-7791	120	4	,	,	PUNCT
easat-7791	120	5	partial	partial	ADJ
easat-7791	120	6	least	least	ADJ
easat-7791	120	7	squares	square	VERB
easat-7791	120	8	structural	structural	ADJ
easat-7791	120	9	equation	equation	NOUN
easat-7791	120	10	modeling	modeling	NOUN
easat-7791	120	11	(	(	PUNCT
easat-7791	120	12	pls	pls	INTJ
easat-7791	120	13	-	-	PUNCT
easat-7791	120	14	sem	sem	NOUN
easat-7791	120	15	)	)	PUNCT
easat-7791	120	16	was	be	AUX
easat-7791	120	17	utilized	utilize	VERB
easat-7791	120	18	.	.	PUNCT
easat-7791	121	1	pls	pls	INTJ
easat-7791	121	2	-	-	PUNCT
easat-7791	121	3	sem	sem	PROPN
easat-7791	121	4	offers	offer	VERB
easat-7791	121	5	several	several	ADJ
easat-7791	121	6	advantages	advantage	NOUN
easat-7791	121	7	for	for	ADP
easat-7791	121	8	exploratory	exploratory	ADJ
easat-7791	121	9	research	research	NOUN
easat-7791	121	10	,	,	PUNCT
easat-7791	121	11	including	include	VERB
easat-7791	121	12	its	its	PRON
easat-7791	121	13	suitability	suitability	NOUN
easat-7791	121	14	for	for	ADP
easat-7791	121	15	limited	limited	ADJ
easat-7791	121	16	sample	sample	NOUN
easat-7791	121	17	sizes	size	NOUN
easat-7791	121	18	,	,	PUNCT
easat-7791	121	19	ability	ability	NOUN
easat-7791	121	20	to	to	PART
easat-7791	121	21	handle	handle	VERB
easat-7791	121	22	non	non	ADJ
easat-7791	121	23	-	-	ADJ
easat-7791	121	24	normal	normal	ADJ
easat-7791	121	25	data	datum	NOUN
easat-7791	121	26	,	,	PUNCT
easat-7791	121	27	and	and	CCONJ
easat-7791	121	28	capacity	capacity	NOUN
easat-7791	121	29	to	to	PART
easat-7791	121	30	calculate	calculate	VERB
easat-7791	121	31	complex	complex	ADJ
easat-7791	121	32	models	model	NOUN
easat-7791	121	33	.	.	PUNCT
easat-7791	122	1	the	the	DET
easat-7791	122	2	inner	inner	ADJ
easat-7791	122	3	model	model	NOUN
easat-7791	122	4	illustrates	illustrate	VERB
easat-7791	122	5	the	the	DET
easat-7791	122	6	reliability	reliability	NOUN
easat-7791	122	7	and	and	CCONJ
easat-7791	122	8	validity	validity	NOUN
easat-7791	122	9	of	of	ADP
easat-7791	122	10	the	the	DET
easat-7791	122	11	data	datum	NOUN
easat-7791	122	12	.	.	PUNCT
easat-7791	123	1	the	the	DET
easat-7791	123	2	second	second	ADJ
easat-7791	123	3	component	component	NOUN
easat-7791	123	4	is	be	AUX
easat-7791	123	5	the	the	DET
easat-7791	123	6	outer	outer	ADJ
easat-7791	123	7	model	model	NOUN
easat-7791	123	8	,	,	PUNCT
easat-7791	123	9	which	which	PRON
easat-7791	123	10	assesses	assess	VERB
easat-7791	123	11	the	the	DET
easat-7791	123	12	structural	structural	ADJ
easat-7791	123	13	modeling	modeling	NOUN
easat-7791	123	14	.	.	PUNCT
easat-7791	124	1	the	the	DET
easat-7791	124	2	constructs	construct	NOUN
easat-7791	124	3	'	'	PART
easat-7791	124	4	reliability	reliability	NOUN
easat-7791	124	5	was	be	AUX
easat-7791	124	6	evaluated	evaluate	VERB
easat-7791	124	7	using	use	VERB
easat-7791	124	8	composite	composite	ADJ
easat-7791	124	9	reliability	reliability	NOUN
easat-7791	124	10	and	and	CCONJ
easat-7791	124	11	cronbach	cronbach	VERB
easat-7791	124	12	’s	’s	PART
easat-7791	124	13	alpha	alpha	NOUN
easat-7791	124	14	values	value	NOUN
easat-7791	124	15	.	.	PUNCT
easat-7791	125	1	composite	composite	ADJ
easat-7791	125	2	reliability	reliability	NOUN
easat-7791	125	3	should	should	AUX
easat-7791	125	4	exceed	exceed	VERB
easat-7791	125	5	0.70	0.70	NUM
easat-7791	125	6	,	,	PUNCT
easat-7791	125	7	while	while	SCONJ
easat-7791	125	8	cronbach	cronbach	VERB
easat-7791	125	9	’s	’s	PART
easat-7791	125	10	alpha	alpha	NOUN
easat-7791	125	11	must	must	AUX
easat-7791	125	12	be	be	AUX
easat-7791	125	13	greater	great	ADJ
easat-7791	125	14	than	than	ADP
easat-7791	125	15	0.60	0.60	NUM
easat-7791	125	16	to	to	PART
easat-7791	125	17	demonstrate	demonstrate	VERB
easat-7791	125	18	data	datum	NOUN
easat-7791	125	19	reliability	reliability	NOUN
easat-7791	125	20	.	.	PUNCT
easat-7791	126	1	the	the	DET
easat-7791	126	2	average	average	ADJ
easat-7791	126	3	variance	variance	NOUN
easat-7791	126	4	extracted	extract	VERB
easat-7791	126	5	(	(	PUNCT
easat-7791	126	6	ave	ave	NOUN
easat-7791	126	7	)	)	PUNCT
easat-7791	126	8	results	result	NOUN
easat-7791	126	9	assessed	assess	VERB
easat-7791	126	10	the	the	DET
easat-7791	126	11	constructs	construct	NOUN
easat-7791	126	12	'	'	PART
easat-7791	126	13	validity	validity	NOUN
easat-7791	126	14	.	.	PUNCT
easat-7791	127	1	246	246	NUM
easat-7791	127	2	edelweiss	edelweiss	PROPN
easat-7791	127	3	applied	apply	VERB
easat-7791	127	4	science	science	NOUN
easat-7791	127	5	and	and	CCONJ
easat-7791	127	6	technology	technology	NOUN
easat-7791	127	7	issn	issn	PROPN
easat-7791	127	8	:	:	PUNCT
easat-7791	127	9	2576	2576	NUM
easat-7791	127	10	-	-	SYM
easat-7791	127	11	8484	8484	NUM
easat-7791	127	12	vol	vol	NOUN
easat-7791	127	13	.	.	PROPN
easat-7791	128	1	9	9	NUM
easat-7791	128	2	,	,	PUNCT
easat-7791	128	3	no	no	INTJ
easat-7791	128	4	.	.	NOUN
easat-7791	129	1	6	6	NUM
easat-7791	129	2	:	:	SYM
easat-7791	129	3	242	242	NUM
easat-7791	129	4	-	-	SYM
easat-7791	129	5	252	252	NUM
easat-7791	129	6	,	,	PUNCT
easat-7791	129	7	2025	2025	NUM
easat-7791	129	8	doi	doi	NOUN
easat-7791	129	9	:	:	PUNCT
easat-7791	129	10	10.55214/25768484.v9i6.7791	10.55214/25768484.v9i6.7791	NUM
easat-7791	129	11	©	©	PROPN
easat-7791	129	12	2025	2025	NUM
easat-7791	129	13	by	by	ADP
easat-7791	129	14	the	the	DET
easat-7791	129	15	authors	author	NOUN
easat-7791	129	16	;	;	PUNCT
easat-7791	129	17	licensee	licensee	PROPN
easat-7791	129	18	learning	learning	NOUN
easat-7791	129	19	gate	gate	VERB
easat-7791	129	20	the	the	DET
easat-7791	129	21	average	average	ADJ
easat-7791	129	22	variance	variance	NOUN
easat-7791	129	23	extracted	extract	VERB
easat-7791	129	24	(	(	PUNCT
easat-7791	129	25	ave	ave	NOUN
easat-7791	129	26	)	)	PUNCT
easat-7791	129	27	must	must	AUX
easat-7791	129	28	exceed	exceed	VERB
easat-7791	129	29	0.50	0.50	NUM
easat-7791	129	30	.	.	PUNCT
easat-7791	130	1	the	the	DET
easat-7791	130	2	structural	structural	ADJ
easat-7791	130	3	modeling	modeling	NOUN
easat-7791	130	4	was	be	AUX
easat-7791	130	5	estimated	estimate	VERB
easat-7791	130	6	within	within	ADP
easat-7791	130	7	the	the	DET
easat-7791	130	8	inner	inner	ADJ
easat-7791	130	9	model	model	NOUN
easat-7791	130	10	.	.	PUNCT
easat-7791	131	1	the	the	DET
easat-7791	131	2	r2	r2	PROPN
easat-7791	131	3	values	value	NOUN
easat-7791	131	4	of	of	ADP
easat-7791	131	5	0.25	0.25	NUM
easat-7791	131	6	,	,	PUNCT
easat-7791	131	7	0.50	0.50	NUM
easat-7791	131	8	,	,	PUNCT
easat-7791	131	9	and	and	CCONJ
easat-7791	131	10	0.75	0.75	NUM
easat-7791	131	11	were	be	AUX
easat-7791	131	12	observed	observe	VERB
easat-7791	131	13	,	,	PUNCT
easat-7791	131	14	suggesting	suggest	VERB
easat-7791	131	15	a	a	DET
easat-7791	131	16	mediation	mediation	NOUN
easat-7791	131	17	effect	effect	NOUN
easat-7791	131	18	or	or	CCONJ
easat-7791	131	19	a	a	DET
easat-7791	131	20	limitation	limitation	NOUN
easat-7791	131	21	in	in	ADP
easat-7791	131	22	predictive	predictive	ADJ
easat-7791	131	23	accuracy	accuracy	NOUN
easat-7791	131	24	.	.	PUNCT
easat-7791	132	1	the	the	DET
easat-7791	132	2	hypothesis	hypothesis	NOUN
easat-7791	132	3	was	be	AUX
easat-7791	132	4	subsequently	subsequently	ADV
easat-7791	132	5	tested	test	VERB
easat-7791	132	6	,	,	PUNCT
easat-7791	132	7	yielding	yield	VERB
easat-7791	132	8	a	a	DET
easat-7791	132	9	critical	critical	ADJ
easat-7791	132	10	t	t	NOUN
easat-7791	132	11	-	-	PUNCT
easat-7791	132	12	value	value	NOUN
easat-7791	132	13	of	of	ADP
easat-7791	132	14	1.98	1.98	NUM
easat-7791	132	15	at	at	ADP
easat-7791	132	16	a	a	DET
easat-7791	132	17	5	5	NUM
easat-7791	132	18	%	%	NOUN
easat-7791	132	19	significance	significance	NOUN
easat-7791	132	20	level	level	NOUN
easat-7791	132	21	,	,	PUNCT
easat-7791	132	22	with	with	ADP
easat-7791	132	23	a	a	DET
easat-7791	132	24	p	p	NOUN
easat-7791	132	25	-	-	PUNCT
easat-7791	132	26	value	value	NOUN
easat-7791	132	27	exceeding	exceed	VERB
easat-7791	132	28	0.05	0.05	NUM
easat-7791	132	29	.	.	PUNCT
easat-7791	133	1	the	the	DET
easat-7791	133	2	hypothesis	hypothesis	NOUN
easat-7791	133	3	is	be	AUX
easat-7791	133	4	accepted	accept	VERB
easat-7791	133	5	if	if	SCONJ
easat-7791	133	6	the	the	DET
easat-7791	133	7	p	p	NOUN
easat-7791	133	8	-	-	PUNCT
easat-7791	133	9	value	value	NOUN
easat-7791	133	10	is	be	AUX
easat-7791	133	11	less	less	ADJ
easat-7791	133	12	than	than	ADP
easat-7791	133	13	0.05	0.05	NUM
easat-7791	133	14	(	(	PUNCT
easat-7791	133	15	p	p	NOUN
easat-7791	133	16	-	-	PUNCT
easat-7791	133	17	value	value	NOUN
easat-7791	133	18	≤	≤	NOUN
easat-7791	133	19	0.05	0.05	NUM
easat-7791	133	20	)	)	PUNCT
easat-7791	133	21	and	and	CCONJ
easat-7791	133	22	the	the	DET
easat-7791	133	23	t	t	NOUN
easat-7791	133	24	-	-	PUNCT
easat-7791	133	25	value	value	NOUN
easat-7791	133	26	exceeds	exceed	VERB
easat-7791	133	27	the	the	DET
easat-7791	133	28	critical	critical	ADJ
easat-7791	133	29	value	value	NOUN
easat-7791	133	30	from	from	ADP
easat-7791	133	31	the	the	DET
easat-7791	133	32	t	t	NOUN
easat-7791	133	33	-	-	PUNCT
easat-7791	133	34	table	table	NOUN
easat-7791	133	35	(	(	PUNCT
easat-7791	133	36	tvalue	tvalue	NOUN
easat-7791	133	37	>	>	X
easat-7791	133	38	1.98	1.98	NUM
easat-7791	133	39	)	)	PUNCT
easat-7791	133	40	.	.	PUNCT
easat-7791	134	1	3.1	3.1	NUM
easat-7791	134	2	.	.	PUNCT
easat-7791	134	3	population	population	NOUN
easat-7791	134	4	the	the	DET
easat-7791	134	5	population	population	NOUN
easat-7791	134	6	in	in	ADP
easat-7791	134	7	this	this	DET
easat-7791	134	8	study	study	NOUN
easat-7791	134	9	is	be	AUX
easat-7791	134	10	micro	micro	ADP
easat-7791	134	11	food	food	NOUN
easat-7791	134	12	and	and	CCONJ
easat-7791	134	13	beverage	beverage	NOUN
easat-7791	134	14	businesses	business	NOUN
easat-7791	134	15	in	in	ADP
easat-7791	134	16	the	the	DET
easat-7791	134	17	city	city	NOUN
easat-7791	134	18	of	of	ADP
easat-7791	134	19	surabaya	surabaya	PROPN
easat-7791	134	20	,	,	PUNCT
easat-7791	134	21	indonesia	indonesia	PROPN
easat-7791	134	22	.	.	PUNCT
easat-7791	135	1	msme	msme	PROPN
easat-7791	135	2	food	food	NOUN
easat-7791	135	3	and	and	CCONJ
easat-7791	135	4	beverage	beverage	NOUN
easat-7791	135	5	businesses	business	NOUN
easat-7791	135	6	in	in	ADP
easat-7791	135	7	surabaya	surabaya	PROPN
easat-7791	135	8	are	be	AUX
easat-7791	135	9	spread	spread	VERB
easat-7791	135	10	across	across	ADP
easat-7791	135	11	various	various	ADJ
easat-7791	135	12	culinary	culinary	ADJ
easat-7791	135	13	centers	center	NOUN
easat-7791	135	14	and	and	CCONJ
easat-7791	135	15	31	31	NUM
easat-7791	135	16	sub	sub	NOUN
easat-7791	135	17	-	-	NOUN
easat-7791	135	18	districts	district	NOUN
easat-7791	135	19	,	,	PUNCT
easat-7791	135	20	with	with	ADP
easat-7791	135	21	details	detail	NOUN
easat-7791	135	22	of	of	ADP
easat-7791	135	23	4	4	NUM
easat-7791	135	24	sub	sub	NOUN
easat-7791	135	25	-	-	NOUN
easat-7791	135	26	districts	district	NOUN
easat-7791	135	27	in	in	ADP
easat-7791	135	28	central	central	ADJ
easat-7791	135	29	surabaya	surabaya	NOUN
easat-7791	135	30	.	.	PUNCT
easat-7791	136	1	7	7	NUM
easat-7791	136	2	sub	sub	NOUN
easat-7791	136	3	-	-	NOUN
easat-7791	136	4	districts	district	NOUN
easat-7791	136	5	in	in	ADP
easat-7791	136	6	east	east	PROPN
easat-7791	136	7	surabaya	surabaya	PROPN
easat-7791	136	8	.	.	PUNCT
easat-7791	137	1	there	there	PRON
easat-7791	137	2	are	be	VERB
easat-7791	137	3	7	7	NUM
easat-7791	137	4	sub	sub	NOUN
easat-7791	137	5	-	-	NOUN
easat-7791	137	6	districts	district	NOUN
easat-7791	137	7	in	in	ADP
easat-7791	137	8	west	west	PROPN
easat-7791	137	9	surabaya	surabaya	PROPN
easat-7791	137	10	,	,	PUNCT
easat-7791	137	11	5	5	NUM
easat-7791	137	12	in	in	ADP
easat-7791	137	13	north	north	PROPN
easat-7791	137	14	surabaya	surabaya	PROPN
easat-7791	137	15	,	,	PUNCT
easat-7791	137	16	and	and	CCONJ
easat-7791	137	17	8	8	NUM
easat-7791	137	18	in	in	ADP
easat-7791	137	19	south	south	PROPN
easat-7791	137	20	surabaya	surabaya	PROPN
easat-7791	137	21	.	.	PUNCT
easat-7791	138	1	the	the	DET
easat-7791	138	2	total	total	ADJ
easat-7791	138	3	population	population	NOUN
easat-7791	138	4	is	be	AUX
easat-7791	138	5	approximately	approximately	ADV
easat-7791	138	6	931	931	NUM
easat-7791	138	7	food	food	NOUN
easat-7791	138	8	and	and	CCONJ
easat-7791	138	9	beverage	beverage	NOUN
easat-7791	138	10	msmes	msme	NOUN
easat-7791	138	11	in	in	ADP
easat-7791	138	12	culinary	culinary	ADJ
easat-7791	138	13	tourism	tourism	NOUN
easat-7791	138	14	centers	center	NOUN
easat-7791	138	15	in	in	ADP
easat-7791	138	16	surabaya	surabaya	PROPN
easat-7791	138	17	.	.	PUNCT
easat-7791	139	1	3.2	3.2	NUM
easat-7791	139	2	.	.	PUNCT
easat-7791	140	1	sample	sample	VERB
easat-7791	140	2	the	the	DET
easat-7791	140	3	sample	sample	NOUN
easat-7791	140	4	in	in	ADP
easat-7791	140	5	this	this	DET
easat-7791	140	6	study	study	NOUN
easat-7791	140	7	amounted	amount	VERB
easat-7791	140	8	to	to	ADP
easat-7791	140	9	213	213	NUM
easat-7791	140	10	;	;	PUNCT
easat-7791	140	11	samples	sample	NOUN
easat-7791	140	12	were	be	AUX
easat-7791	140	13	taken	take	VERB
easat-7791	140	14	from	from	ADP
easat-7791	140	15	each	each	DET
easat-7791	140	16	culinary	culinary	ADJ
easat-7791	140	17	tourism	tourism	NOUN
easat-7791	140	18	center	center	NOUN
easat-7791	140	19	spread	spread	VERB
easat-7791	140	20	across	across	ADP
easat-7791	140	21	31	31	NUM
easat-7791	140	22	sub	sub	NOUN
easat-7791	140	23	-	-	NOUN
easat-7791	140	24	districts	district	NOUN
easat-7791	140	25	in	in	ADP
easat-7791	140	26	surabaya	surabaya	PROPN
easat-7791	140	27	.	.	PUNCT
easat-7791	141	1	3.3	3.3	NUM
easat-7791	141	2	.	.	PUNCT
easat-7791	141	3	questionnaire	questionnaire	NOUN
easat-7791	141	4	and	and	CCONJ
easat-7791	141	5	measures	measure	NOUN
easat-7791	141	6	this	this	DET
easat-7791	141	7	research	research	NOUN
easat-7791	141	8	model	model	NOUN
easat-7791	141	9	comprises	comprise	VERB
easat-7791	141	10	ten	ten	NUM
easat-7791	141	11	constructs	construct	NOUN
easat-7791	141	12	,	,	PUNCT
easat-7791	141	13	with	with	ADP
easat-7791	141	14	each	each	DET
easat-7791	141	15	item	item	NOUN
easat-7791	141	16	measured	measure	VERB
easat-7791	141	17	using	use	VERB
easat-7791	141	18	a	a	DET
easat-7791	141	19	five	five	NUM
easat-7791	141	20	-	-	PUNCT
easat-7791	141	21	point	point	NOUN
easat-7791	141	22	likert	likert	ADJ
easat-7791	141	23	scale	scale	NOUN
easat-7791	141	24	(	(	PUNCT
easat-7791	141	25	1	1	NUM
easat-7791	141	26	=	=	NUM
easat-7791	141	27	strongly	strongly	ADV
easat-7791	141	28	disagree	disagree	VERB
easat-7791	141	29	,	,	PUNCT
easat-7791	141	30	5=	5=	PROPN
easat-7791	141	31	strongly	strongly	ADV
easat-7791	141	32	agree	agree	VERB
easat-7791	141	33	)	)	PUNCT
easat-7791	141	34	.	.	PUNCT
easat-7791	142	1	the	the	DET
easat-7791	142	2	constructs	construct	NOUN
easat-7791	142	3	’	'	PUNCT
easat-7791	142	4	measures	measure	NOUN
easat-7791	142	5	are	be	AUX
easat-7791	142	6	derived	derive	VERB
easat-7791	142	7	from	from	ADP
easat-7791	142	8	existing	exist	VERB
easat-7791	142	9	literature	literature	NOUN
easat-7791	142	10	.	.	PUNCT
easat-7791	143	1	presents	present	VERB
easat-7791	143	2	the	the	DET
easat-7791	143	3	metrics	metric	NOUN
easat-7791	143	4	of	of	ADP
easat-7791	143	5	the	the	DET
easat-7791	143	6	research	research	NOUN
easat-7791	143	7	constructs	construct	VERB
easat-7791	143	8	.	.	PUNCT
easat-7791	144	1	learning	learn	VERB
easat-7791	144	2	convenience	convenience	NOUN
easat-7791	144	3	is	be	AUX
easat-7791	144	4	evaluated	evaluate	VERB
easat-7791	144	5	using	use	VERB
easat-7791	144	6	a	a	DET
easat-7791	144	7	five	five	NUM
easat-7791	144	8	-	-	PUNCT
easat-7791	144	9	item	item	NOUN
easat-7791	144	10	scale	scale	NOUN
easat-7791	144	11	established	establish	VERB
easat-7791	144	12	by	by	ADP
easat-7791	144	13	.	.	PUNCT
easat-7791	145	1	service	service	NOUN
easat-7791	145	2	quality	quality	NOUN
easat-7791	145	3	is	be	AUX
easat-7791	145	4	assessed	assess	VERB
easat-7791	145	5	through	through	ADP
easat-7791	145	6	a	a	DET
easat-7791	145	7	three	three	NUM
easat-7791	145	8	-	-	PUNCT
easat-7791	145	9	item	item	NOUN
easat-7791	145	10	scale	scale	NOUN
easat-7791	145	11	,	,	PUNCT
easat-7791	145	12	as	as	SCONJ
easat-7791	145	13	utilized	utilize	VERB
easat-7791	145	14	.	.	PUNCT
easat-7791	146	1	4	4	X
easat-7791	146	2	.	.	X
easat-7791	146	3	results	result	VERB
easat-7791	146	4	this	this	DET
easat-7791	146	5	study	study	NOUN
easat-7791	146	6	uses	use	VERB
easat-7791	146	7	partial	partial	ADJ
easat-7791	146	8	least	least	ADJ
easat-7791	146	9	squares	square	NOUN
easat-7791	146	10	-	-	PUNCT
easat-7791	146	11	structural	structural	ADJ
easat-7791	146	12	equation	equation	NOUN
easat-7791	146	13	modeling	modeling	NOUN
easat-7791	146	14	(	(	PUNCT
easat-7791	146	15	pls	pls	INTJ
easat-7791	146	16	-	-	PUNCT
easat-7791	146	17	sem	sem	NOUN
easat-7791	146	18	)	)	PUNCT
easat-7791	146	19	to	to	PART
easat-7791	146	20	examine	examine	VERB
easat-7791	146	21	the	the	DET
easat-7791	146	22	gathered	gather	VERB
easat-7791	146	23	data	datum	NOUN
easat-7791	146	24	.	.	PUNCT
easat-7791	147	1	pls	pls	INTJ
easat-7791	147	2	-	-	PUNCT
easat-7791	147	3	sem	sem	PROPN
easat-7791	147	4	is	be	AUX
easat-7791	147	5	deemed	deem	VERB
easat-7791	147	6	more	more	ADV
easat-7791	147	7	appropriate	appropriate	ADJ
easat-7791	147	8	when	when	SCONJ
easat-7791	147	9	a	a	DET
easat-7791	147	10	study	study	NOUN
easat-7791	147	11	methodology	methodology	NOUN
easat-7791	147	12	permits	permit	VERB
easat-7791	147	13	simultaneous	simultaneous	ADJ
easat-7791	147	14	evaluation	evaluation	NOUN
easat-7791	147	15	of	of	ADP
easat-7791	147	16	the	the	DET
easat-7791	147	17	measurement	measurement	NOUN
easat-7791	147	18	model	model	NOUN
easat-7791	147	19	and	and	CCONJ
easat-7791	147	20	structural	structural	ADJ
easat-7791	147	21	path	path	NOUN
easat-7791	147	22	coefficients	coefficient	NOUN
easat-7791	147	23	,	,	PUNCT
easat-7791	147	24	when	when	SCONJ
easat-7791	147	25	it	it	PRON
easat-7791	147	26	exhibits	exhibit	VERB
easat-7791	147	27	reduced	reduced	ADJ
easat-7791	147	28	sensitivity	sensitivity	NOUN
easat-7791	147	29	to	to	AUX
easat-7791	147	30	data	datum	NOUN
easat-7791	147	31	non	non	ADJ
easat-7791	147	32	-	-	ADJ
easat-7791	147	33	normality	normality	ADJ
easat-7791	147	34	and	and	CCONJ
easat-7791	147	35	small	small	ADJ
easat-7791	147	36	sample	sample	NOUN
easat-7791	147	37	sizes	size	NOUN
easat-7791	147	38	,	,	PUNCT
easat-7791	147	39	or	or	CCONJ
easat-7791	147	40	when	when	SCONJ
easat-7791	147	41	it	it	PRON
easat-7791	147	42	is	be	AUX
easat-7791	147	43	applicable	applicable	ADJ
easat-7791	147	44	for	for	ADP
easat-7791	147	45	testing	test	VERB
easat-7791	147	46	both	both	CCONJ
easat-7791	147	47	formative	formative	ADJ
easat-7791	147	48	and	and	CCONJ
easat-7791	147	49	reflective	reflective	ADJ
easat-7791	147	50	measurements	measurement	NOUN
easat-7791	147	51	,	,	PUNCT
easat-7791	147	52	or	or	CCONJ
easat-7791	147	53	when	when	SCONJ
easat-7791	147	54	it	it	PRON
easat-7791	147	55	must	must	AUX
easat-7791	147	56	manage	manage	VERB
easat-7791	147	57	the	the	DET
easat-7791	147	58	intricacies	intricacy	NOUN
easat-7791	147	59	of	of	ADP
easat-7791	147	60	complex	complex	ADJ
easat-7791	147	61	predictive	predictive	ADJ
easat-7791	147	62	models	model	NOUN
easat-7791	147	63	,	,	PUNCT
easat-7791	147	64	thereby	thereby	ADV
easat-7791	147	65	leading	lead	VERB
easat-7791	147	66	to	to	ADP
easat-7791	147	67	its	its	PRON
easat-7791	147	68	frequent	frequent	ADJ
easat-7791	147	69	utilization	utilization	NOUN
easat-7791	147	70	in	in	ADP
easat-7791	147	71	contemporary	contemporary	ADJ
easat-7791	147	72	studies	study	NOUN
easat-7791	147	73	.	.	PUNCT
easat-7791	148	1	this	this	DET
easat-7791	148	2	study	study	NOUN
easat-7791	148	3	employs	employ	VERB
easat-7791	148	4	plssem	plssem	PROPN
easat-7791	148	5	,	,	PUNCT
easat-7791	148	6	concentrating	concentrate	VERB
easat-7791	148	7	on	on	ADP
easat-7791	148	8	forecasting	forecast	VERB
easat-7791	148	9	conversion	conversion	NOUN
easat-7791	148	10	behavior	behavior	NOUN
easat-7791	148	11	.	.	PUNCT
easat-7791	149	1	the	the	DET
easat-7791	149	2	assessment	assessment	NOUN
easat-7791	149	3	of	of	ADP
easat-7791	149	4	a	a	DET
easat-7791	149	5	conceptual	conceptual	ADJ
easat-7791	149	6	framework	framework	NOUN
easat-7791	149	7	with	with	ADP
easat-7791	149	8	smartpls	smartpls	NOUN
easat-7791	149	9	3.0	3.0	NUM
easat-7791	149	10	analysis	analysis	NOUN
easat-7791	149	11	has	have	VERB
easat-7791	149	12	two	two	NUM
easat-7791	149	13	phases	phase	NOUN
easat-7791	149	14	:	:	PUNCT
easat-7791	149	15	the	the	DET
easat-7791	149	16	initial	initial	ADJ
easat-7791	149	17	phase	phase	NOUN
easat-7791	149	18	entails	entail	VERB
easat-7791	149	19	the	the	DET
easat-7791	149	20	evaluation	evaluation	NOUN
easat-7791	149	21	of	of	ADP
easat-7791	149	22	the	the	DET
easat-7791	149	23	measurement	measurement	NOUN
easat-7791	149	24	model	model	NOUN
easat-7791	149	25	.	.	PUNCT
easat-7791	150	1	in	in	ADP
easat-7791	150	2	contrast	contrast	NOUN
easat-7791	150	3	,	,	PUNCT
easat-7791	150	4	the	the	DET
easat-7791	150	5	subsequent	subsequent	ADJ
easat-7791	150	6	phase	phase	NOUN
easat-7791	150	7	focuses	focus	VERB
easat-7791	150	8	on	on	ADP
easat-7791	150	9	assessing	assess	VERB
easat-7791	150	10	the	the	DET
easat-7791	150	11	structural	structural	ADJ
easat-7791	150	12	model	model	NOUN
easat-7791	150	13	.	.	PUNCT
easat-7791	151	1	4.1	4.1	NUM
easat-7791	151	2	.	.	PUNCT
easat-7791	151	3	data	datum	NOUN
easat-7791	151	4	collection	collection	NOUN
easat-7791	151	5	most	most	ADJ
easat-7791	151	6	respondents	respondent	NOUN
easat-7791	151	7	are	be	AUX
easat-7791	151	8	female	female	ADJ
easat-7791	151	9	,	,	PUNCT
easat-7791	151	10	numbering	number	VERB
easat-7791	151	11	131	131	NUM
easat-7791	151	12	(	(	PUNCT
easat-7791	151	13	61.8	61.8	NUM
easat-7791	151	14	%	%	NOUN
easat-7791	151	15	)	)	PUNCT
easat-7791	151	16	,	,	PUNCT
easat-7791	151	17	with	with	ADP
easat-7791	151	18	81	81	NUM
easat-7791	151	19	male	male	ADJ
easat-7791	151	20	respondents	respondent	NOUN
easat-7791	151	21	(	(	PUNCT
easat-7791	151	22	38.2	38.2	NUM
easat-7791	151	23	%	%	NOUN
easat-7791	151	24	)	)	PUNCT
easat-7791	151	25	.	.	PUNCT
easat-7791	152	1	most	most	ADJ
easat-7791	152	2	respondents	respondent	NOUN
easat-7791	152	3	are	be	AUX
easat-7791	152	4	between	between	ADP
easat-7791	152	5	26	26	NUM
easat-7791	152	6	-	-	SYM
easat-7791	152	7	35	35	NUM
easat-7791	152	8	years	year	NOUN
easat-7791	152	9	old	old	ADJ
easat-7791	152	10	,	,	PUNCT
easat-7791	152	11	with	with	ADP
easat-7791	152	12	119	119	NUM
easat-7791	152	13	respondents	respondent	NOUN
easat-7791	152	14	(	(	PUNCT
easat-7791	152	15	56.1	56.1	NUM
easat-7791	152	16	%	%	NOUN
easat-7791	152	17	)	)	PUNCT
easat-7791	152	18	.	.	PUNCT
easat-7791	153	1	regarding	regard	VERB
easat-7791	153	2	academic	academic	ADJ
easat-7791	153	3	last	last	ADJ
easat-7791	153	4	education	education	NOUN
easat-7791	153	5	,	,	PUNCT
easat-7791	153	6	most	most	ADJ
easat-7791	153	7	are	be	AUX
easat-7791	153	8	in	in	ADP
easat-7791	153	9	their	their	PRON
easat-7791	153	10	senior	senior	ADJ
easat-7791	153	11	high	high	ADJ
easat-7791	153	12	school	school	NOUN
easat-7791	153	13	,	,	PUNCT
easat-7791	153	14	totaling	total	VERB
easat-7791	153	15	199	199	NUM
easat-7791	153	16	respondents	respondent	NOUN
easat-7791	153	17	(	(	PUNCT
easat-7791	153	18	93.8	93.8	NUM
easat-7791	153	19	%	%	NOUN
easat-7791	153	20	)	)	PUNCT
easat-7791	153	21	.	.	PUNCT
easat-7791	154	1	regarding	regard	VERB
easat-7791	154	2	how	how	SCONJ
easat-7791	154	3	long	long	ADJ
easat-7791	154	4	use	use	VERB
easat-7791	154	5	fintech	fintech	NOUN
easat-7791	154	6	payment	payment	NOUN
easat-7791	154	7	,	,	PUNCT
easat-7791	154	8	the	the	DET
easat-7791	154	9	largest	large	ADJ
easat-7791	154	10	of	of	ADP
easat-7791	154	11	respondents	respondent	NOUN
easat-7791	154	12	are	be	AUX
easat-7791	154	13	use	use	NOUN
easat-7791	154	14	for	for	ADP
easat-7791	154	15	1	1	NUM
easat-7791	154	16	-	-	SYM
easat-7791	154	17	5	5	NUM
easat-7791	154	18	years	year	NOUN
easat-7791	154	19	,	,	PUNCT
easat-7791	154	20	with	with	ADP
easat-7791	154	21	195	195	NUM
easat-7791	154	22	respondents	respondent	NOUN
easat-7791	154	23	(	(	PUNCT
easat-7791	154	24	91.98	91.98	NUM
easat-7791	154	25	%	%	NOUN
easat-7791	154	26	)	)	PUNCT
easat-7791	154	27	,	,	PUNCT
easat-7791	154	28	followed	follow	VERB
easat-7791	154	29	by	by	ADP
easat-7791	154	30	use	use	NOUN
easat-7791	154	31	for	for	ADP
easat-7791	154	32	more	more	ADJ
easat-7791	154	33	five	five	NUM
easat-7791	154	34	years	year	NOUN
easat-7791	154	35	12	12	NUM
easat-7791	154	36	respondents	respondent	NOUN
easat-7791	154	37	(	(	PUNCT
easat-7791	154	38	5.66	5.66	NUM
easat-7791	154	39	%	%	NOUN
easat-7791	154	40	)	)	PUNCT
easat-7791	154	41	.	.	PUNCT
easat-7791	155	1	247	247	NUM
easat-7791	155	2	edelweiss	edelweiss	PROPN
easat-7791	155	3	applied	apply	VERB
easat-7791	155	4	science	science	NOUN
easat-7791	155	5	and	and	CCONJ
easat-7791	155	6	technology	technology	NOUN
easat-7791	155	7	issn	issn	PROPN
easat-7791	155	8	:	:	PUNCT
easat-7791	155	9	2576	2576	NUM
easat-7791	155	10	-	-	SYM
easat-7791	155	11	8484	8484	NUM
easat-7791	155	12	vol	vol	NOUN
easat-7791	155	13	.	.	PROPN
easat-7791	156	1	9	9	NUM
easat-7791	156	2	,	,	PUNCT
easat-7791	156	3	no	no	INTJ
easat-7791	156	4	.	.	NOUN
easat-7791	157	1	6	6	NUM
easat-7791	157	2	:	:	SYM
easat-7791	157	3	242	242	NUM
easat-7791	157	4	-	-	SYM
easat-7791	157	5	252	252	NUM
easat-7791	157	6	,	,	PUNCT
easat-7791	157	7	2025	2025	NUM
easat-7791	157	8	doi	doi	NOUN
easat-7791	157	9	:	:	PUNCT
easat-7791	157	10	10.55214/25768484.v9i6.7791	10.55214/25768484.v9i6.7791	NUM
easat-7791	157	11	©	©	PROPN
easat-7791	157	12	2025	2025	NUM
easat-7791	157	13	by	by	ADP
easat-7791	157	14	the	the	DET
easat-7791	157	15	authors	author	NOUN
easat-7791	157	16	;	;	PUNCT
easat-7791	157	17	licensee	licensee	PROPN
easat-7791	157	18	learning	learn	VERB
easat-7791	157	19	gate	gate	NOUN
easat-7791	157	20	table	table	NOUN
easat-7791	157	21	1	1	NUM
easat-7791	157	22	.	.	PUNCT
easat-7791	158	1	characteristics	characteristic	NOUN
easat-7791	158	2	of	of	ADP
easat-7791	158	3	research	research	NOUN
easat-7791	158	4	respondents	respondent	NOUN
easat-7791	158	5	.	.	PUNCT
easat-7791	159	1	category	category	NOUN
easat-7791	159	2	of	of	ADP
easat-7791	159	3	respondent	respondent	NOUN
easat-7791	159	4	data	data	NOUN
easat-7791	159	5	frequencies	frequency	NOUN
easat-7791	159	6	(	(	PUNCT
easat-7791	159	7	n	n	NOUN
easat-7791	159	8	=	=	NOUN
easat-7791	159	9	213	213	NUM
easat-7791	159	10	)	)	PUNCT
easat-7791	159	11	percentage	percentage	NOUN
easat-7791	159	12	(	(	PUNCT
easat-7791	159	13	%	%	NOUN
easat-7791	159	14	)	)	PUNCT
easat-7791	159	15	sex	sex	NOUN
easat-7791	159	16	male	male	NOUN
easat-7791	159	17	famale	famale	NOUN
easat-7791	159	18	81	81	NUM
easat-7791	159	19	131	131	NUM
easat-7791	159	20	38.2	38.2	NUM
easat-7791	159	21	61.8	61.8	NUM
easat-7791	159	22	education	education	NOUN
easat-7791	159	23	yunior	yunior	ADJ
easat-7791	159	24	high	high	ADJ
easat-7791	159	25	school	school	PROPN
easat-7791	159	26	senior	senior	ADJ
easat-7791	159	27	high	high	ADJ
easat-7791	159	28	school	school	NOUN
easat-7791	159	29	bacelor	bacelor	NOUN
easat-7791	159	30	degree	degree	NOUN
easat-7791	159	31	13	13	NUM
easat-7791	159	32	199	199	NUM
easat-7791	159	33	0	0	NUM
easat-7791	159	34	6.2	6.2	NUM
easat-7791	159	35	93.8	93.8	NUM
easat-7791	159	36	0	0	NUM
easat-7791	159	37	using	use	VERB
easat-7791	159	38	fintech	fintech	NOUN
easat-7791	159	39	<	<	NOUN
easat-7791	159	40	1	1	NUM
easat-7791	159	41	years	year	NOUN
easat-7791	159	42	1	1	NUM
easat-7791	159	43	-	-	SYM
easat-7791	159	44	5	5	NUM
easat-7791	159	45	years	year	NOUN
easat-7791	159	46	>	>	SYM
easat-7791	159	47	5	5	NUM
easat-7791	159	48	years	year	NOUN
easat-7791	159	49	5	5	NUM
easat-7791	159	50	195	195	NUM
easat-7791	159	51	12	12	NUM
easat-7791	159	52	2.33	2.33	NUM
easat-7791	159	53	91.98	91.98	NUM
easat-7791	159	54	5.66	5.66	NUM
easat-7791	159	55	age	age	NOUN
easat-7791	159	56	15	15	NUM
easat-7791	159	57	-	-	SYM
easat-7791	159	58	25	25	NUM
easat-7791	159	59	year	year	NOUN
easat-7791	159	60	26	26	NUM
easat-7791	159	61	-	-	SYM
easat-7791	159	62	35	35	NUM
easat-7791	159	63	year	year	NOUN
easat-7791	159	64	>	>	SYM
easat-7791	159	65	35	35	NUM
easat-7791	159	66	year	year	NOUN
easat-7791	159	67	6	6	NUM
easat-7791	159	68	119	119	NUM
easat-7791	159	69	87	87	NUM
easat-7791	159	70	2.8	2.8	NUM
easat-7791	159	71	56.1	56.1	NUM
easat-7791	159	72	41.1	41.1	NUM
easat-7791	159	73	4.2	4.2	NUM
easat-7791	159	74	.	.	PUNCT
easat-7791	160	1	measurement	measurement	NOUN
easat-7791	160	2	model	model	NOUN
easat-7791	160	3	assessment	assessment	NOUN
easat-7791	160	4	both	both	CCONJ
easat-7791	160	5	structural	structural	ADJ
easat-7791	160	6	and	and	CCONJ
easat-7791	160	7	measurement	measurement	NOUN
easat-7791	160	8	model	model	NOUN
easat-7791	160	9	testing	testing	NOUN
easat-7791	160	10	are	be	AUX
easat-7791	160	11	part	part	NOUN
easat-7791	160	12	of	of	ADP
easat-7791	160	13	the	the	DET
easat-7791	160	14	survey	survey	NOUN
easat-7791	160	15	analysis	analysis	NOUN
easat-7791	160	16	.	.	PUNCT
easat-7791	161	1	the	the	DET
easat-7791	161	2	former	former	ADJ
easat-7791	161	3	is	be	AUX
easat-7791	161	4	employed	employ	VERB
easat-7791	161	5	to	to	PART
easat-7791	161	6	assess	assess	VERB
easat-7791	161	7	the	the	DET
easat-7791	161	8	validity	validity	NOUN
easat-7791	161	9	and	and	CCONJ
easat-7791	161	10	reliability	reliability	NOUN
easat-7791	161	11	of	of	ADP
easat-7791	161	12	each	each	DET
easat-7791	161	13	construct	construct	NOUN
easat-7791	161	14	's	's	PART
easat-7791	161	15	measurement	measurement	NOUN
easat-7791	161	16	scales	scale	NOUN
easat-7791	161	17	,	,	PUNCT
easat-7791	161	18	while	while	SCONJ
easat-7791	161	19	the	the	DET
easat-7791	161	20	latter	latter	ADJ
easat-7791	161	21	is	be	AUX
easat-7791	161	22	used	use	VERB
easat-7791	161	23	to	to	PART
easat-7791	161	24	test	test	VERB
easat-7791	161	25	hypotheses	hypothesis	NOUN
easat-7791	161	26	.	.	PUNCT
easat-7791	162	1	partial	partial	ADJ
easat-7791	162	2	least	least	ADJ
easat-7791	162	3	squares	square	NOUN
easat-7791	162	4	(	(	PUNCT
easat-7791	162	5	pls	pls	INTJ
easat-7791	162	6	)	)	PUNCT
easat-7791	162	7	are	be	AUX
easat-7791	162	8	better	well	ADV
easat-7791	162	9	suited	suit	VERB
easat-7791	162	10	for	for	ADP
easat-7791	162	11	research	research	NOUN
easat-7791	162	12	that	that	PRON
easat-7791	162	13	is	be	AUX
easat-7791	162	14	(	(	PUNCT
easat-7791	162	15	1	1	NUM
easat-7791	162	16	)	)	PUNCT
easat-7791	162	17	exploratory	exploratory	NOUN
easat-7791	162	18	,	,	PUNCT
easat-7791	162	19	(	(	PUNCT
easat-7791	162	20	2	2	X
easat-7791	162	21	)	)	PUNCT
easat-7791	162	22	involves	involve	VERB
easat-7791	162	23	complex	complex	ADJ
easat-7791	162	24	models	model	NOUN
easat-7791	162	25	(	(	PUNCT
easat-7791	162	26	such	such	ADJ
easat-7791	162	27	as	as	ADP
easat-7791	162	28	numerous	numerous	ADJ
easat-7791	162	29	constructs	construct	NOUN
easat-7791	162	30	and	and	CCONJ
easat-7791	162	31	indicators	indicator	NOUN
easat-7791	162	32	)	)	PUNCT
easat-7791	162	33	,	,	PUNCT
easat-7791	162	34	(	(	PUNCT
easat-7791	162	35	3	3	X
easat-7791	162	36	)	)	PUNCT
easat-7791	162	37	requires	require	VERB
easat-7791	162	38	the	the	DET
easat-7791	162	39	handling	handling	NOUN
easat-7791	162	40	of	of	ADP
easat-7791	162	41	both	both	CCONJ
easat-7791	162	42	reflective	reflective	ADJ
easat-7791	162	43	and	and	CCONJ
easat-7791	162	44	formative	formative	ADJ
easat-7791	162	45	measurements	measurement	NOUN
easat-7791	162	46	,	,	PUNCT
easat-7791	162	47	or	or	CCONJ
easat-7791	162	48	(	(	PUNCT
easat-7791	162	49	4	4	X
easat-7791	162	50	)	)	PUNCT
easat-7791	162	51	involves	involve	VERB
easat-7791	162	52	non	non	ADJ
easat-7791	162	53	-	-	ADJ
easat-7791	162	54	normally	normally	ADV
easat-7791	162	55	distributed	distribute	VERB
easat-7791	162	56	data	datum	NOUN
easat-7791	162	57	.	.	PUNCT
easat-7791	163	1	we	we	PRON
easat-7791	163	2	employed	employ	VERB
easat-7791	163	3	pls3.0	pls3.0	NOUN
easat-7791	163	4	with	with	ADP
easat-7791	163	5	the	the	DET
easat-7791	163	6	bootstrapping	bootstrappe	VERB
easat-7791	163	7	resampling	resample	VERB
easat-7791	163	8	technique	technique	NOUN
easat-7791	163	9	and	and	CCONJ
easat-7791	163	10	the	the	DET
easat-7791	163	11	traditional	traditional	ADJ
easat-7791	163	12	pls	pls	NOUN
easat-7791	163	13	algorithm	algorithm	NOUN
easat-7791	163	14	.	.	PUNCT
easat-7791	164	1	table	table	NOUN
easat-7791	164	2	2	2	NUM
easat-7791	164	3	.	.	PUNCT
easat-7791	164	4	table	table	NOUN
easat-7791	164	5	validity	validity	NOUN
easat-7791	164	6	.	.	PUNCT
easat-7791	165	1	variable	variable	ADJ
easat-7791	165	2	indicator	indicator	NOUN
easat-7791	165	3	outer	outer	ADJ
easat-7791	165	4	loading	loading	NOUN
easat-7791	165	5	rule	rule	NOUN
easat-7791	165	6	of	of	ADP
easat-7791	165	7	thumb	thumb	NOUN
easat-7791	165	8	information	information	NOUN
easat-7791	165	9	perseived	perseive	VERB
easat-7791	165	10	ease	ease	NOUN
easat-7791	165	11	of	of	ADP
easat-7791	165	12	use	use	NOUN
easat-7791	165	13	x11	x11	NOUN
easat-7791	165	14	0,785	0,785	NUM
easat-7791	165	15	>	>	SYM
easat-7791	165	16	0,5	0,5	NUM
easat-7791	165	17	valid	valid	ADJ
easat-7791	165	18	x12	x12	NUM
easat-7791	165	19	0,791	0,791	NUM
easat-7791	165	20	>	>	SYM
easat-7791	165	21	0,5	0,5	NUM
easat-7791	165	22	valid	valid	ADJ
easat-7791	165	23	x13	x13	PROPN
easat-7791	165	24	0,687	0,687	NUM
easat-7791	165	25	>	>	X
easat-7791	165	26	0,5	0,5	NUM
easat-7791	165	27	valid	valid	ADJ
easat-7791	165	28	x14	x14	PROPN
easat-7791	165	29	0,769	0,769	NUM
easat-7791	165	30	>	>	SYM
easat-7791	165	31	0,5	0,5	NUM
easat-7791	165	32	valid	valid	ADJ
easat-7791	165	33	perceived	perceive	VERB
easat-7791	165	34	usefullness	usefullness	NOUN
easat-7791	165	35	x21	x21	NUM
easat-7791	165	36	0,762	0,762	NUM
easat-7791	165	37	>	>	SYM
easat-7791	165	38	0,5	0,5	NUM
easat-7791	166	1	valid	valid	ADJ
easat-7791	166	2	x22	x22	NUM
easat-7791	166	3	0,854	0,854	NUM
easat-7791	166	4	>	>	SYM
easat-7791	166	5	0,5	0,5	NUM
easat-7791	166	6	valid	valid	ADJ
easat-7791	166	7	x23	x23	PROPN
easat-7791	166	8	0,678	0,678	NUM
easat-7791	166	9	>	>	SYM
easat-7791	166	10	0,5	0,5	NUM
easat-7791	166	11	valid	valid	ADJ
easat-7791	166	12	x24	x24	NOUN
easat-7791	166	13	0,765	0,765	NUM
easat-7791	166	14	>	>	X
easat-7791	166	15	0,5	0,5	NUM
easat-7791	166	16	valid	valid	ADJ
easat-7791	166	17	x43	x43	PROPN
easat-7791	166	18	0,741	0,741	NUM
easat-7791	166	19	>	>	SYM
easat-7791	166	20	0,5	0,5	NUM
easat-7791	166	21	valid	valid	ADJ
easat-7791	166	22	attitude	attitude	NOUN
easat-7791	166	23	toward	toward	ADP
easat-7791	166	24	using	use	VERB
easat-7791	166	25	z1	z1	NUM
easat-7791	166	26	0,786	0,786	NUM
easat-7791	166	27	>	>	SYM
easat-7791	166	28	0,5	0,5	NUM
easat-7791	166	29	valid	valid	ADJ
easat-7791	166	30	z2	z2	PROPN
easat-7791	166	31	0,792	0,792	NUM
easat-7791	166	32	>	>	SYM
easat-7791	166	33	0,5	0,5	NUM
easat-7791	166	34	valid	valid	ADJ
easat-7791	166	35	z3	z3	PROPN
easat-7791	166	36	0,805	0,805	NUM
easat-7791	166	37	>	>	SYM
easat-7791	166	38	0,5	0,5	NUM
easat-7791	166	39	valid	valid	ADJ
easat-7791	166	40	fintech	fintech	NOUN
easat-7791	166	41	payment	payment	NOUN
easat-7791	166	42	adoption	adoption	NOUN
easat-7791	166	43	y1	y1	VERB
easat-7791	167	1	0,888	0,888	NUM
easat-7791	167	2	>	>	SYM
easat-7791	167	3	0,5	0,5	NUM
easat-7791	167	4	valid	valid	ADJ
easat-7791	167	5	y2	y2	NOUN
easat-7791	167	6	0,887	0,887	NUM
easat-7791	167	7	>	>	X
easat-7791	167	8	0,5	0,5	NUM
easat-7791	167	9	valid	valid	ADJ
easat-7791	167	10	the	the	DET
easat-7791	167	11	loading	loading	NOUN
easat-7791	167	12	factor	factor	NOUN
easat-7791	167	13	values	value	NOUN
easat-7791	167	14	,	,	PUNCT
easat-7791	167	15	as	as	SCONJ
easat-7791	167	16	shown	show	VERB
easat-7791	167	17	in	in	ADP
easat-7791	167	18	the	the	DET
easat-7791	167	19	table	table	NOUN
easat-7791	167	20	,	,	PUNCT
easat-7791	167	21	are	be	AUX
easat-7791	167	22	above	above	ADP
easat-7791	167	23	the	the	DET
easat-7791	167	24	0.5	0.5	NUM
easat-7791	167	25	thresholds	threshold	NOUN
easat-7791	167	26	,	,	PUNCT
easat-7791	167	27	indicating	indicate	VERB
easat-7791	167	28	their	their	PRON
easat-7791	167	29	excellent	excellent	ADJ
easat-7791	167	30	sufficiency	sufficiency	NOUN
easat-7791	167	31	in	in	ADP
easat-7791	167	32	accordance	accordance	NOUN
easat-7791	167	33	.	.	PUNCT
easat-7791	168	1	therefore	therefore	ADV
easat-7791	168	2	,	,	PUNCT
easat-7791	168	3	it	it	PRON
easat-7791	168	4	is	be	AUX
easat-7791	168	5	safe	safe	ADJ
easat-7791	168	6	to	to	PART
easat-7791	168	7	say	say	VERB
easat-7791	168	8	that	that	SCONJ
easat-7791	168	9	every	every	DET
easat-7791	168	10	indication	indication	NOUN
easat-7791	168	11	item	item	NOUN
easat-7791	168	12	is	be	AUX
easat-7791	168	13	legitimate	legitimate	ADJ
easat-7791	168	14	.	.	PUNCT
easat-7791	169	1	internal	internal	ADJ
easat-7791	169	2	consistency	consistency	NOUN
easat-7791	169	3	,	,	PUNCT
easat-7791	169	4	convergent	convergent	NOUN
easat-7791	169	5	validity	validity	NOUN
easat-7791	169	6	,	,	PUNCT
easat-7791	169	7	and	and	CCONJ
easat-7791	169	8	discriminant	discriminant	ADJ
easat-7791	169	9	validity	validity	NOUN
easat-7791	169	10	tests	test	NOUN
easat-7791	169	11	were	be	AUX
easat-7791	169	12	conducted	conduct	VERB
easat-7791	169	13	to	to	PART
easat-7791	169	14	assess	assess	VERB
easat-7791	169	15	the	the	DET
easat-7791	169	16	reliability	reliability	NOUN
easat-7791	169	17	and	and	CCONJ
easat-7791	169	18	validity	validity	NOUN
easat-7791	169	19	of	of	ADP
easat-7791	169	20	the	the	DET
easat-7791	169	21	measurement	measurement	NOUN
easat-7791	169	22	items	item	NOUN
easat-7791	169	23	for	for	ADP
easat-7791	169	24	the	the	DET
easat-7791	169	25	constructs	construct	NOUN
easat-7791	169	26	in	in	ADP
easat-7791	169	27	the	the	DET
easat-7791	169	28	research	research	NOUN
easat-7791	169	29	model	model	NOUN
easat-7791	169	30	.	.	PUNCT
easat-7791	170	1	initially	initially	ADV
easat-7791	170	2	,	,	PUNCT
easat-7791	170	3	we	we	PRON
easat-7791	170	4	assessed	assess	VERB
easat-7791	170	5	the	the	DET
easat-7791	170	6	constructs	construct	NOUN
easat-7791	170	7	’	'	PUNCT
easat-7791	170	8	composite	composite	ADJ
easat-7791	170	9	reliability	reliability	NOUN
easat-7791	170	10	(	(	PUNCT
easat-7791	170	11	cr	cr	NOUN
easat-7791	170	12	)	)	PUNCT
easat-7791	170	13	value	value	NOUN
easat-7791	170	14	to	to	PART
easat-7791	170	15	evaluate	evaluate	VERB
easat-7791	170	16	internal	internal	ADJ
easat-7791	170	17	consistency	consistency	NOUN
easat-7791	170	18	.	.	PUNCT
easat-7791	171	1	a	a	DET
easat-7791	171	2	cr	cr	PROPN
easat-7791	171	3	value	value	NOUN
easat-7791	171	4	exceeding	exceed	VERB
easat-7791	171	5	0.7	0.7	NUM
easat-7791	171	6	indicates	indicate	VERB
easat-7791	171	7	that	that	SCONJ
easat-7791	171	8	each	each	DET
easat-7791	171	9	construct	construct	NOUN
easat-7791	171	10	demonstrates	demonstrate	VERB
easat-7791	171	11	internal	internal	ADJ
easat-7791	171	12	consistency	consistency	NOUN
easat-7791	171	13	among	among	ADP
easat-7791	171	14	the	the	DET
easat-7791	171	15	measurement	measurement	NOUN
easat-7791	171	16	items	item	NOUN
easat-7791	171	17	.	.	PUNCT
easat-7791	172	1	table	table	NOUN
easat-7791	172	2	1	1	NUM
easat-7791	172	3	indicates	indicate	VERB
easat-7791	172	4	that	that	SCONJ
easat-7791	172	5	the	the	DET
easat-7791	172	6	cr	cr	PROPN
easat-7791	172	7	values	value	NOUN
easat-7791	172	8	for	for	ADP
easat-7791	172	9	all	all	DET
easat-7791	172	10	constructs	construct	NOUN
easat-7791	172	11	exceeded	exceed	VERB
easat-7791	172	12	0.70	0.70	NUM
easat-7791	172	13	.	.	PUNCT
easat-7791	173	1	the	the	DET
easat-7791	173	2	results	result	NOUN
easat-7791	173	3	showed	show	VERB
easat-7791	173	4	the	the	DET
easat-7791	173	5	reliability	reliability	NOUN
easat-7791	173	6	of	of	ADP
easat-7791	173	7	all	all	DET
easat-7791	173	8	measurement	measurement	NOUN
easat-7791	173	9	items	item	NOUN
easat-7791	173	10	for	for	ADP
easat-7791	173	11	the	the	DET
easat-7791	173	12	construct	construct	NOUN
easat-7791	173	13	.	.	PUNCT
easat-7791	174	1	248	248	NUM
easat-7791	174	2	edelweiss	edelweiss	PROPN
easat-7791	174	3	applied	apply	VERB
easat-7791	174	4	science	science	NOUN
easat-7791	174	5	and	and	CCONJ
easat-7791	174	6	technology	technology	NOUN
easat-7791	174	7	issn	issn	PROPN
easat-7791	174	8	:	:	PUNCT
easat-7791	174	9	2576	2576	NUM
easat-7791	174	10	-	-	SYM
easat-7791	174	11	8484	8484	NUM
easat-7791	174	12	vol	vol	NOUN
easat-7791	174	13	.	.	PROPN
easat-7791	175	1	9	9	NUM
easat-7791	175	2	,	,	PUNCT
easat-7791	175	3	no	no	INTJ
easat-7791	175	4	.	.	NOUN
easat-7791	176	1	6	6	NUM
easat-7791	176	2	:	:	SYM
easat-7791	176	3	242	242	NUM
easat-7791	176	4	-	-	SYM
easat-7791	176	5	252	252	NUM
easat-7791	176	6	,	,	PUNCT
easat-7791	176	7	2025	2025	NUM
easat-7791	176	8	doi	doi	NOUN
easat-7791	176	9	:	:	PUNCT
easat-7791	176	10	10.55214/25768484.v9i6.7791	10.55214/25768484.v9i6.7791	NUM
easat-7791	176	11	©	©	PROPN
easat-7791	176	12	2025	2025	NUM
easat-7791	176	13	by	by	ADP
easat-7791	176	14	the	the	DET
easat-7791	176	15	authors	author	NOUN
easat-7791	176	16	;	;	PUNCT
easat-7791	176	17	licensee	licensee	PROPN
easat-7791	176	18	learning	learn	VERB
easat-7791	176	19	gate	gate	NOUN
easat-7791	176	20	table	table	NOUN
easat-7791	176	21	3	3	NUM
easat-7791	176	22	.	.	PUNCT
easat-7791	176	23	reliability	reliability	NOUN
easat-7791	176	24	.	.	PUNCT
easat-7791	177	1	construct	construct	VERB
easat-7791	177	2	item	item	PROPN
easat-7791	177	3	no	no	PROPN
easat-7791	177	4	.	.	PUNCT
easat-7791	178	1	c.	c.	PROPN
easat-7791	178	2	alpha	alpha	PROPN
easat-7791	178	3	*	*	PUNCT
easat-7791	179	1	ccr	ccr	PROPN
easat-7791	179	2	*	*	PUNCT
easat-7791	179	3	*	*	PROPN
easat-7791	179	4	ave	ave	PROPN
easat-7791	179	5	*	*	PUNCT
easat-7791	179	6	*	*	PUNCT
easat-7791	179	7	*	*	PUNCT
easat-7791	179	8	perceived	perceive	VERB
easat-7791	179	9	ease	ease	NOUN
easat-7791	179	10	of	of	ADP
easat-7791	179	11	use	use	NOUN
easat-7791	179	12	4	4	NUM
easat-7791	179	13	0.755	0.755	NUM
easat-7791	179	14	0.844	0.844	NUM
easat-7791	179	15	perceived	perceive	VERB
easat-7791	179	16	usefulness	usefulness	NOUN
easat-7791	179	17	4	4	NUM
easat-7791	179	18	0.765	0.765	NUM
easat-7791	179	19	0.850	0.850	NUM
easat-7791	179	20	fintech	fintech	NOUN
easat-7791	179	21	payment	payment	NOUN
easat-7791	179	22	adoption	adoption	NOUN
easat-7791	179	23	2	2	NUM
easat-7791	179	24	0.731	0.731	NUM
easat-7791	179	25	0.881	0.881	NUM
easat-7791	179	26	attitude	attitude	NOUN
easat-7791	179	27	toward	toward	ADP
easat-7791	179	28	using	use	VERB
easat-7791	179	29	3	3	NUM
easat-7791	179	30	0.708	0.708	NUM
easat-7791	179	31	0.837	0.837	NUM
easat-7791	179	32	note	note	NOUN
easat-7791	179	33	:	:	PUNCT
easat-7791	179	34	*	*	PUNCT
easat-7791	179	35	cronbach	cronbach	VERB
easat-7791	179	36	’s	’s	PART
easat-7791	179	37	alpha	alpha	NOUN
easat-7791	179	38	,	,	PUNCT
easat-7791	179	39	*	*	PUNCT
easat-7791	179	40	*	*	PUNCT
easat-7791	179	41	composite	composite	ADJ
easat-7791	179	42	construct	construct	NOUN
easat-7791	179	43	reliability	reliability	NOUN
easat-7791	179	44	,	,	PUNCT
easat-7791	179	45	*	*	PUNCT
easat-7791	179	46	*	*	PUNCT
easat-7791	179	47	*	*	PUNCT
easat-7791	179	48	ave	ave	NOUN
easat-7791	179	49	:	:	PUNCT
easat-7791	179	50	average	average	ADJ
easat-7791	179	51	variance	variance	NOUN
easat-7791	179	52	extracted	extract	VERB
easat-7791	179	53	.	.	PUNCT
easat-7791	180	1	we	we	PRON
easat-7791	180	2	performed	perform	VERB
easat-7791	180	3	a	a	DET
easat-7791	180	4	confirmatory	confirmatory	NOUN
easat-7791	180	5	factor	factor	NOUN
easat-7791	180	6	analysis	analysis	NOUN
easat-7791	180	7	(	(	PUNCT
easat-7791	180	8	cfa	cfa	NOUN
easat-7791	180	9	)	)	PUNCT
easat-7791	180	10	utilizing	utilize	VERB
easat-7791	180	11	pls	pls	NOUN
easat-7791	180	12	-	-	PUNCT
easat-7791	180	13	sem	sem	NOUN
easat-7791	180	14	to	to	PART
easat-7791	180	15	evaluate	evaluate	VERB
easat-7791	180	16	the	the	DET
easat-7791	180	17	convergent	convergent	NOUN
easat-7791	180	18	and	and	CCONJ
easat-7791	180	19	discriminant	discriminant	ADJ
easat-7791	180	20	validity	validity	NOUN
easat-7791	180	21	of	of	ADP
easat-7791	180	22	the	the	DET
easat-7791	180	23	constructs	construct	NOUN
easat-7791	180	24	within	within	ADP
easat-7791	180	25	the	the	DET
easat-7791	180	26	research	research	NOUN
easat-7791	180	27	model	model	NOUN
easat-7791	180	28	.	.	PUNCT
easat-7791	181	1	convergent	convergent	ADJ
easat-7791	181	2	validity	validity	NOUN
easat-7791	181	3	is	be	AUX
easat-7791	181	4	assessed	assess	VERB
easat-7791	181	5	through	through	ADP
easat-7791	181	6	confirmatory	confirmatory	ADJ
easat-7791	181	7	factor	factor	NOUN
easat-7791	181	8	analysis	analysis	NOUN
easat-7791	181	9	(	(	PUNCT
easat-7791	181	10	cfa	cfa	NOUN
easat-7791	181	11	)	)	PUNCT
easat-7791	181	12	by	by	ADP
easat-7791	181	13	examining	examine	VERB
easat-7791	181	14	whether	whether	SCONJ
easat-7791	181	15	measurement	measurement	NOUN
easat-7791	181	16	items	item	NOUN
easat-7791	181	17	load	load	VERB
easat-7791	181	18	significantly	significantly	ADV
easat-7791	181	19	(	(	PUNCT
easat-7791	181	20	t	t	X
easat-7791	181	21	>	>	X
easat-7791	181	22	1.96	1.96	NUM
easat-7791	181	23	)	)	PUNCT
easat-7791	181	24	on	on	ADP
easat-7791	181	25	their	their	PRON
easat-7791	181	26	designated	designate	VERB
easat-7791	181	27	constructs	construct	NOUN
easat-7791	181	28	and	and	CCONJ
easat-7791	181	29	ensuring	ensure	VERB
easat-7791	181	30	that	that	SCONJ
easat-7791	181	31	the	the	DET
easat-7791	181	32	average	average	ADJ
easat-7791	181	33	variance	variance	NOUN
easat-7791	181	34	extracted	extract	VERB
easat-7791	181	35	(	(	PUNCT
easat-7791	181	36	ave	ave	PROPN
easat-7791	181	37	)	)	PUNCT
easat-7791	181	38	for	for	ADP
easat-7791	181	39	the	the	DET
easat-7791	181	40	constructs	construct	NOUN
easat-7791	181	41	exceeds	exceed	VERB
easat-7791	181	42	0.50	0.50	NUM
easat-7791	181	43	.	.	PUNCT
easat-7791	182	1	table	table	NOUN
easat-7791	182	2	5	5	NUM
easat-7791	182	3	indicates	indicate	VERB
easat-7791	182	4	that	that	SCONJ
easat-7791	182	5	the	the	DET
easat-7791	182	6	minimum	minimum	ADJ
easat-7791	182	7	t	t	NOUN
easat-7791	182	8	-	-	PUNCT
easat-7791	182	9	value	value	NOUN
easat-7791	182	10	among	among	ADP
easat-7791	182	11	the	the	DET
easat-7791	182	12	measurement	measurement	NOUN
easat-7791	182	13	items	item	NOUN
easat-7791	182	14	is	be	AUX
easat-7791	182	15	12.16	12.16	NUM
easat-7791	182	16	,	,	PUNCT
easat-7791	182	17	with	with	ADP
easat-7791	182	18	all	all	DET
easat-7791	182	19	t	t	NOUN
easat-7791	182	20	-	-	PUNCT
easat-7791	182	21	values	value	NOUN
easat-7791	182	22	significantly	significantly	ADV
easat-7791	182	23	exceeding	exceed	VERB
easat-7791	182	24	1.96	1.96	NUM
easat-7791	182	25	.	.	PUNCT
easat-7791	183	1	additionally	additionally	ADV
easat-7791	183	2	,	,	PUNCT
easat-7791	183	3	the	the	DET
easat-7791	183	4	ave	ave	NOUN
easat-7791	183	5	values	value	NOUN
easat-7791	183	6	for	for	ADP
easat-7791	183	7	all	all	DET
easat-7791	183	8	constructs	construct	NOUN
easat-7791	183	9	presented	present	VERB
easat-7791	183	10	in	in	ADP
easat-7791	183	11	table	table	NOUN
easat-7791	183	12	4	4	NUM
easat-7791	183	13	are	be	AUX
easat-7791	183	14	substantially	substantially	ADV
easat-7791	183	15	above	above	ADP
easat-7791	183	16	the	the	DET
easat-7791	183	17	recommended	recommend	VERB
easat-7791	183	18	threshold	threshold	NOUN
easat-7791	183	19	of	of	ADP
easat-7791	183	20	0.5	0.5	NUM
easat-7791	183	21	.	.	PUNCT
easat-7791	184	1	the	the	DET
easat-7791	184	2	findings	finding	NOUN
easat-7791	184	3	demonstrate	demonstrate	VERB
easat-7791	184	4	convergent	convergent	NOUN
easat-7791	184	5	validity	validity	NOUN
easat-7791	184	6	across	across	ADP
easat-7791	184	7	all	all	DET
easat-7791	184	8	constructs	construct	NOUN
easat-7791	184	9	.	.	PUNCT
easat-7791	185	1	figure	figure	NOUN
easat-7791	185	2	2	2	NUM
easat-7791	185	3	.	.	PUNCT
easat-7791	185	4	result	result	NOUN
easat-7791	185	5	of	of	ADP
easat-7791	185	6	sem	sem	PROPN
easat-7791	185	7	pls	pls	PROPN
easat-7791	185	8	.	.	PUNCT
easat-7791	186	1	4.3	4.3	NUM
easat-7791	186	2	.	.	PUNCT
easat-7791	186	3	hypothesis	hypothesis	NOUN
easat-7791	186	4	test	test	NOUN
easat-7791	186	5	five	five	NUM
easat-7791	186	6	hypotheses	hypothesis	NOUN
easat-7791	186	7	concerning	concern	VERB
easat-7791	186	8	the	the	DET
easat-7791	186	9	direct	direct	ADJ
easat-7791	186	10	impacts	impact	NOUN
easat-7791	186	11	of	of	ADP
easat-7791	186	12	this	this	DET
easat-7791	186	13	study	study	NOUN
easat-7791	186	14	were	be	AUX
easat-7791	186	15	put	put	VERB
easat-7791	186	16	forth	forth	ADP
easat-7791	186	17	in	in	ADP
easat-7791	186	18	the	the	DET
easat-7791	186	19	previous	previous	ADJ
easat-7791	186	20	section	section	NOUN
easat-7791	186	21	.	.	PUNCT
easat-7791	187	1	a	a	DET
easat-7791	187	2	crucial	crucial	ADJ
easat-7791	187	3	t	t	NOUN
easat-7791	187	4	-	-	PUNCT
easat-7791	187	5	value	value	NOUN
easat-7791	187	6	of	of	ADP
easat-7791	187	7	±1.96	±1.96	PROPN
easat-7791	187	8	was	be	AUX
easat-7791	187	9	obtained	obtain	VERB
easat-7791	187	10	after	after	ADP
easat-7791	187	11	evaluating	evaluate	VERB
easat-7791	187	12	these	these	DET
easat-7791	187	13	hypotheses	hypothesis	NOUN
easat-7791	187	14	at	at	ADP
easat-7791	187	15	a	a	DET
easat-7791	187	16	significance	significance	NOUN
easat-7791	187	17	threshold	threshold	NOUN
easat-7791	187	18	of	of	ADP
easat-7791	187	19	5	5	NUM
easat-7791	187	20	%	%	NOUN
easat-7791	187	21	.	.	PUNCT
easat-7791	188	1	the	the	DET
easat-7791	188	2	validity	validity	NOUN
easat-7791	188	3	of	of	ADP
easat-7791	188	4	the	the	DET
easat-7791	188	5	theory	theory	NOUN
easat-7791	188	6	is	be	AUX
easat-7791	188	7	shown	show	VERB
easat-7791	188	8	by	by	ADP
easat-7791	188	9	a	a	DET
easat-7791	188	10	t	t	NOUN
easat-7791	188	11	-	-	PUNCT
easat-7791	188	12	value	value	NOUN
easat-7791	188	13	of	of	ADP
easat-7791	188	14	1.96	1.96	NUM
easat-7791	188	15	,	,	PUNCT
easat-7791	188	16	whereas	whereas	SCONJ
easat-7791	188	17	rejection	rejection	NOUN
easat-7791	188	18	is	be	AUX
easat-7791	188	19	indicated	indicate	VERB
easat-7791	188	20	by	by	ADP
easat-7791	188	21	a	a	DET
easat-7791	188	22	t	t	NOUN
easat-7791	188	23	-	-	PUNCT
easat-7791	188	24	value	value	NOUN
easat-7791	188	25	less	less	ADJ
easat-7791	188	26	than	than	ADP
easat-7791	188	27	1.96	1.96	NUM
easat-7791	188	28	.	.	PUNCT
easat-7791	189	1	for	for	ADP
easat-7791	189	2	a	a	DET
easat-7791	189	3	thorough	thorough	ADJ
easat-7791	189	4	summary	summary	NOUN
easat-7791	189	5	of	of	ADP
easat-7791	189	6	the	the	DET
easat-7791	189	7	hypothesis	hypothesis	NOUN
easat-7791	189	8	testing	testing	NOUN
easat-7791	189	9	procedure	procedure	NOUN
easat-7791	189	10	that	that	PRON
easat-7791	189	11	covers	cover	VERB
easat-7791	189	12	all	all	DET
easat-7791	189	13	study	study	NOUN
easat-7791	189	14	questions	question	NOUN
easat-7791	189	15	,	,	PUNCT
easat-7791	189	16	see	see	VERB
easat-7791	189	17	the	the	DET
easat-7791	189	18	table	table	NOUN
easat-7791	189	19	below	below	ADV
easat-7791	189	20	:	:	PUNCT
easat-7791	189	21	249	249	NUM
easat-7791	189	22	edelweiss	edelweiss	PROPN
easat-7791	189	23	applied	apply	VERB
easat-7791	189	24	science	science	NOUN
easat-7791	189	25	and	and	CCONJ
easat-7791	189	26	technology	technology	NOUN
easat-7791	189	27	issn	issn	PROPN
easat-7791	189	28	:	:	PUNCT
easat-7791	189	29	2576	2576	NUM
easat-7791	189	30	-	-	SYM
easat-7791	189	31	8484	8484	NUM
easat-7791	189	32	vol	vol	NOUN
easat-7791	189	33	.	.	PROPN
easat-7791	190	1	9	9	NUM
easat-7791	190	2	,	,	PUNCT
easat-7791	190	3	no	no	INTJ
easat-7791	190	4	.	.	NOUN
easat-7791	191	1	6	6	NUM
easat-7791	191	2	:	:	SYM
easat-7791	191	3	242	242	NUM
easat-7791	191	4	-	-	SYM
easat-7791	191	5	252	252	NUM
easat-7791	191	6	,	,	PUNCT
easat-7791	191	7	2025	2025	NUM
easat-7791	191	8	doi	doi	NOUN
easat-7791	191	9	:	:	PUNCT
easat-7791	191	10	10.55214/25768484.v9i6.7791	10.55214/25768484.v9i6.7791	NUM
easat-7791	191	11	©	©	PROPN
easat-7791	191	12	2025	2025	NUM
easat-7791	191	13	by	by	ADP
easat-7791	191	14	the	the	DET
easat-7791	191	15	authors	author	NOUN
easat-7791	191	16	;	;	PUNCT
easat-7791	191	17	licensee	licensee	PROPN
easat-7791	191	18	learning	learn	VERB
easat-7791	191	19	gate	gate	NOUN
easat-7791	191	20	table	table	NOUN
easat-7791	191	21	4	4	NUM
easat-7791	191	22	.	.	X
easat-7791	191	23	hypothesis	hypothesis	NOUN
easat-7791	191	24	testing	testing	NOUN
easat-7791	191	25	–	–	PUNCT
easat-7791	191	26	direct	direct	ADJ
easat-7791	191	27	relationship	relationship	NOUN
easat-7791	191	28	.	.	PUNCT
easat-7791	192	1	original	original	ADJ
easat-7791	192	2	sample	sample	NOUN
easat-7791	192	3	(	(	PUNCT
easat-7791	192	4	o	o	NOUN
easat-7791	192	5	)	)	PUNCT
easat-7791	192	6	sample	sample	NOUN
easat-7791	192	7	mean	mean	NOUN
easat-7791	192	8	(	(	PUNCT
easat-7791	192	9	m	m	NOUN
easat-7791	192	10	)	)	PUNCT
easat-7791	192	11	standard	standard	ADJ
easat-7791	192	12	deviation	deviation	NOUN
easat-7791	192	13	(	(	PUNCT
easat-7791	192	14	stdev	stdev	NOUN
easat-7791	192	15	)	)	PUNCT
easat-7791	192	16	t	t	PROPN
easat-7791	192	17	statistics	statistic	NOUN
easat-7791	193	1	p	p	NOUN
easat-7791	193	2	values	value	NOUN
easat-7791	193	3	result	result	VERB
easat-7791	193	4	attitude	attitude	NOUN
easat-7791	193	5	toward	toward	ADP
easat-7791	193	6	using	use	VERB
easat-7791	193	7	-	-	PUNCT
easat-7791	193	8	>	>	X
easat-7791	193	9	fintech	fintech	NOUN
easat-7791	193	10	payment	payment	NOUN
easat-7791	193	11	adoption	adoption	NOUN
easat-7791	193	12	0.267	0.267	NUM
easat-7791	193	13	0.256	0.256	NUM
easat-7791	193	14	0.115	0.115	NUM
easat-7791	193	15	2.327	2.327	NUM
easat-7791	193	16	0.020	0.020	NUM
easat-7791	193	17	significant	significant	ADJ
easat-7791	193	18	perceived	perceive	VERB
easat-7791	193	19	usefullness	usefullness	ADJ
easat-7791	193	20	-	-	PUNCT
easat-7791	193	21	>	>	X
easat-7791	193	22	attitude	attitude	NOUN
easat-7791	193	23	toward	toward	ADP
easat-7791	193	24	using	use	VERB
easat-7791	193	25	0.384	0.384	NUM
easat-7791	193	26	0.388	0.388	NUM
easat-7791	193	27	0.065	0.065	NUM
easat-7791	193	28	5.946	5.946	NUM
easat-7791	193	29	0.000	0.000	NUM
easat-7791	193	30	significant	significant	ADV
easat-7791	193	31	perceived	perceive	VERB
easat-7791	193	32	usefullness	usefullness	ADJ
easat-7791	193	33	-	-	PUNCT
easat-7791	193	34	>	>	X
easat-7791	193	35	fintech	fintech	NOUN
easat-7791	193	36	payment	payment	NOUN
easat-7791	193	37	adoption	adoption	NOUN
easat-7791	193	38	0.169	0.169	NUM
easat-7791	193	39	0.180	0.180	NUM
easat-7791	193	40	0.085	0.085	NUM
easat-7791	193	41	1.985	1.985	NUM
easat-7791	193	42	0.048	0.048	NUM
easat-7791	193	43	significant	significant	ADJ
easat-7791	193	44	perseived	perseive	VERB
easat-7791	193	45	ease	ease	NOUN
easat-7791	193	46	of	of	ADP
easat-7791	193	47	use	use	NOUN
easat-7791	193	48	-	-	PUNCT
easat-7791	193	49	>	>	X
easat-7791	193	50	attitude	attitude	NOUN
easat-7791	193	51	toward	toward	ADP
easat-7791	193	52	using	use	VERB
easat-7791	193	53	-0.137	-0.137	X
easat-7791	193	54	-0.134	-0.134	PROPN
easat-7791	193	55	0.077	0.077	NUM
easat-7791	193	56	1.777	1.777	NUM
easat-7791	193	57	0.076	0.076	NUM
easat-7791	193	58	not	not	PART
easat-7791	193	59	significant	significant	ADJ
easat-7791	193	60	perseived	perseive	VERB
easat-7791	193	61	ease	ease	NOUN
easat-7791	193	62	of	of	ADP
easat-7791	193	63	use	use	NOUN
easat-7791	193	64	-	-	PUNCT
easat-7791	193	65	>	>	X
easat-7791	193	66	fintech	fintech	NOUN
easat-7791	193	67	payment	payment	NOUN
easat-7791	193	68	adoption	adoption	NOUN
easat-7791	193	69	-0.023	-0.023	PUNCT
easat-7791	193	70	-0.023	-0.023	NOUN
easat-7791	193	71	0.070	0.070	NUM
easat-7791	193	72	0.332	0.332	NUM
easat-7791	193	73	0.740	0.740	NUM
easat-7791	193	74	not	not	PART
easat-7791	193	75	significant	significant	ADJ
easat-7791	193	76	this	this	DET
easat-7791	193	77	study	study	NOUN
easat-7791	193	78	also	also	ADV
easat-7791	193	79	looks	look	VERB
easat-7791	193	80	at	at	ADP
easat-7791	193	81	two	two	NUM
easat-7791	193	82	possible	possible	ADJ
easat-7791	193	83	reasons	reason	NOUN
easat-7791	193	84	why	why	SCONJ
easat-7791	193	85	indirect	indirect	ADJ
easat-7791	193	86	effects	effect	NOUN
easat-7791	193	87	might	might	AUX
easat-7791	193	88	occur	occur	VERB
easat-7791	193	89	.	.	PUNCT
easat-7791	194	1	hypothesis	hypothesis	NOUN
easat-7791	194	2	testing	testing	NOUN
easat-7791	194	3	was	be	AUX
easat-7791	194	4	carefully	carefully	ADV
easat-7791	194	5	carried	carry	VERB
easat-7791	194	6	out	out	ADP
easat-7791	194	7	at	at	ADP
easat-7791	194	8	a	a	DET
easat-7791	194	9	5	5	NUM
easat-7791	194	10	%	%	NOUN
easat-7791	194	11	significance	significance	NOUN
easat-7791	194	12	threshold	threshold	NOUN
easat-7791	194	13	in	in	ADP
easat-7791	194	14	order	order	NOUN
easat-7791	194	15	to	to	PART
easat-7791	194	16	examine	examine	VERB
easat-7791	194	17	these	these	DET
easat-7791	194	18	justifications	justification	NOUN
easat-7791	194	19	.	.	PUNCT
easat-7791	195	1	for	for	ADP
easat-7791	195	2	this	this	DET
easat-7791	195	3	inspection	inspection	NOUN
easat-7791	195	4	,	,	PUNCT
easat-7791	195	5	the	the	DET
easat-7791	195	6	critical	critical	ADJ
easat-7791	195	7	t	t	NOUN
easat-7791	195	8	-	-	PUNCT
easat-7791	195	9	value	value	NOUN
easat-7791	195	10	registers	register	NOUN
easat-7791	195	11	at	at	ADP
easat-7791	195	12	roughly	roughly	ADV
easat-7791	195	13	±1.96	±1.96	PROPN
easat-7791	195	14	.	.	PUNCT
easat-7791	196	1	a	a	DET
easat-7791	196	2	t	t	NOUN
easat-7791	196	3	-	-	PUNCT
easat-7791	196	4	value	value	NOUN
easat-7791	196	5	that	that	PRON
easat-7791	196	6	falls	fall	VERB
easat-7791	196	7	below	below	ADP
easat-7791	196	8	1.96	1.96	NUM
easat-7791	196	9	rejects	reject	VERB
easat-7791	196	10	the	the	DET
easat-7791	196	11	hypothesis	hypothesis	NOUN
easat-7791	196	12	,	,	PUNCT
easat-7791	196	13	while	while	SCONJ
easat-7791	196	14	one	one	NUM
easat-7791	196	15	that	that	PRON
easat-7791	196	16	hovers	hover	VERB
easat-7791	196	17	around	around	ADP
easat-7791	196	18	1.96	1.96	NUM
easat-7791	196	19	supports	support	VERB
easat-7791	196	20	it	it	PRON
easat-7791	196	21	.	.	PUNCT
easat-7791	197	1	table	table	NOUN
easat-7791	197	2	5	5	NUM
easat-7791	197	3	.	.	X
easat-7791	197	4	hypothesis	hypothesis	NOUN
easat-7791	197	5	testing	testing	NOUN
easat-7791	197	6	–	–	PUNCT
easat-7791	197	7	indirect	indirect	ADJ
easat-7791	197	8	relationship	relationship	NOUN
easat-7791	197	9	.	.	PUNCT
easat-7791	198	1	original	original	ADJ
easat-7791	198	2	sample	sample	NOUN
easat-7791	198	3	(	(	PUNCT
easat-7791	198	4	o	o	NOUN
easat-7791	198	5	)	)	PUNCT
easat-7791	198	6	sample	sample	NOUN
easat-7791	198	7	mean	mean	NOUN
easat-7791	198	8	(	(	PUNCT
easat-7791	198	9	m	m	NOUN
easat-7791	198	10	)	)	PUNCT
easat-7791	198	11	standard	standard	ADJ
easat-7791	198	12	deviation	deviation	NOUN
easat-7791	198	13	(	(	PUNCT
easat-7791	198	14	stdev	stdev	NOUN
easat-7791	198	15	)	)	PUNCT
easat-7791	198	16	t	t	PROPN
easat-7791	198	17	statistics	statistic	NOUN
easat-7791	199	1	p	p	NOUN
easat-7791	199	2	values	value	NOUN
easat-7791	199	3	result	result	VERB
easat-7791	199	4	perceived	perceive	VERB
easat-7791	199	5	usefullness	usefullness	ADJ
easat-7791	199	6	-	-	PUNCT
easat-7791	199	7	>	>	X
easat-7791	199	8	attitude	attitude	NOUN
easat-7791	199	9	toward	toward	ADP
easat-7791	199	10	using	use	VERB
easat-7791	199	11	-	-	PUNCT
easat-7791	199	12	>	>	X
easat-7791	199	13	fintech	fintech	NOUN
easat-7791	199	14	payment	payment	NOUN
easat-7791	199	15	adoption	adoption	NOUN
easat-7791	199	16	0,102	0,102	NUM
easat-7791	199	17	0,099	0,099	NUM
easat-7791	199	18	0,049	0,049	NUM
easat-7791	199	19	2,077	2,077	NUM
easat-7791	199	20	0,038	0,038	NUM
easat-7791	199	21	significant	significant	ADJ
easat-7791	199	22	perseived	perseive	VERB
easat-7791	199	23	ease	ease	NOUN
easat-7791	199	24	of	of	ADP
easat-7791	199	25	use	use	NOUN
easat-7791	199	26	-	-	PUNCT
easat-7791	199	27	>	>	X
easat-7791	199	28	attitude	attitude	NOUN
easat-7791	199	29	toward	toward	ADP
easat-7791	199	30	using	use	VERB
easat-7791	199	31	-	-	PUNCT
easat-7791	199	32	>	>	X
easat-7791	199	33	fintech	fintech	NOUN
easat-7791	199	34	payment	payment	NOUN
easat-7791	199	35	adoption	adoption	NOUN
easat-7791	199	36	-0,037	-0,037	NUM
easat-7791	199	37	-0,035	-0,035	ADJ
easat-7791	199	38	0,026	0,026	NUM
easat-7791	199	39	1,381	1,381	NUM
easat-7791	199	40	0,168	0,168	NUM
easat-7791	199	41	not	not	PART
easat-7791	199	42	significant	significant	ADJ
easat-7791	199	43	5	5	NUM
easat-7791	199	44	.	.	PUNCT
easat-7791	199	45	discussion	discussion	NOUN
easat-7791	199	46	the	the	DET
easat-7791	199	47	study	study	NOUN
easat-7791	199	48	results	result	NOUN
easat-7791	199	49	of	of	ADP
easat-7791	199	50	fintech	fintech	NOUN
easat-7791	199	51	payment	payment	NOUN
easat-7791	199	52	users	user	NOUN
easat-7791	199	53	in	in	ADP
easat-7791	199	54	micro	micro	ADJ
easat-7791	199	55	food	food	NOUN
easat-7791	199	56	and	and	CCONJ
easat-7791	199	57	beverage	beverage	NOUN
easat-7791	199	58	businesses	business	NOUN
easat-7791	199	59	in	in	ADP
easat-7791	199	60	surabaya	surabaya	PROPN
easat-7791	199	61	are	be	AUX
easat-7791	199	62	based	base	VERB
easat-7791	199	63	on	on	ADP
easat-7791	199	64	data	data	NOUN
easat-7791	199	65	processing	processing	NOUN
easat-7791	199	66	and	and	CCONJ
easat-7791	199	67	a	a	DET
easat-7791	199	68	series	series	NOUN
easat-7791	199	69	of	of	ADP
easat-7791	199	70	tests	test	NOUN
easat-7791	199	71	to	to	PART
easat-7791	199	72	prove	prove	VERB
easat-7791	199	73	the	the	DET
easat-7791	199	74	hypothesis	hypothesis	NOUN
easat-7791	199	75	formulated	formulate	VERB
easat-7791	199	76	in	in	ADP
easat-7791	199	77	this	this	DET
easat-7791	199	78	study	study	NOUN
easat-7791	199	79	.	.	PUNCT
easat-7791	200	1	the	the	DET
easat-7791	200	2	research	research	NOUN
easat-7791	200	3	data	datum	NOUN
easat-7791	200	4	processing	processing	NOUN
easat-7791	200	5	is	be	AUX
easat-7791	200	6	based	base	VERB
easat-7791	200	7	on	on	ADP
easat-7791	200	8	the	the	DET
easat-7791	200	9	results	result	NOUN
easat-7791	200	10	of	of	ADP
easat-7791	200	11	a	a	DET
easat-7791	200	12	survey	survey	NOUN
easat-7791	200	13	of	of	ADP
easat-7791	200	14	questionnaire	questionnaire	NOUN
easat-7791	200	15	distribution	distribution	NOUN
easat-7791	200	16	to	to	ADP
easat-7791	200	17	213	213	NUM
easat-7791	200	18	msme	msme	NOUN
easat-7791	200	19	food	food	NOUN
easat-7791	200	20	and	and	CCONJ
easat-7791	200	21	beverage	beverage	NOUN
easat-7791	200	22	businesses	business	NOUN
easat-7791	200	23	in	in	ADP
easat-7791	200	24	surabaya	surabaya	PROPN
easat-7791	200	25	.	.	PUNCT
easat-7791	201	1	the	the	DET
easat-7791	201	2	results	result	NOUN
easat-7791	201	3	show	show	VERB
easat-7791	201	4	that	that	SCONJ
easat-7791	201	5	the	the	DET
easat-7791	201	6	variable	variable	NOUN
easat-7791	201	7	,	,	PUNCT
easat-7791	201	8	perceived	perceive	VERB
easat-7791	201	9	usefulness	usefulness	NOUN
easat-7791	201	10	,	,	PUNCT
easat-7791	201	11	affects	affect	VERB
easat-7791	201	12	attitudes	attitude	NOUN
easat-7791	201	13	toward	toward	ADP
easat-7791	201	14	using	use	VERB
easat-7791	201	15	fintech	fintech	NOUN
easat-7791	201	16	payment	payment	NOUN
easat-7791	201	17	in	in	ADP
easat-7791	201	18	micro	micro	ADJ
easat-7791	201	19	food	food	NOUN
easat-7791	201	20	and	and	CCONJ
easat-7791	201	21	beverage	beverage	NOUN
easat-7791	201	22	businesses	business	NOUN
easat-7791	201	23	.	.	PUNCT
easat-7791	202	1	the	the	DET
easat-7791	202	2	variable	variable	ADJ
easat-7791	202	3	perceived	perceive	VERB
easat-7791	202	4	ease	ease	NOUN
easat-7791	202	5	of	of	ADP
easat-7791	202	6	use	use	NOUN
easat-7791	202	7	does	do	AUX
easat-7791	202	8	not	not	PART
easat-7791	202	9	affect	affect	VERB
easat-7791	202	10	the	the	DET
easat-7791	202	11	attitude	attitude	NOUN
easat-7791	202	12	toward	toward	ADP
easat-7791	202	13	using	use	VERB
easat-7791	202	14	fintech	fintech	NOUN
easat-7791	202	15	payment	payment	NOUN
easat-7791	202	16	.	.	PUNCT
easat-7791	203	1	the	the	DET
easat-7791	203	2	variable	variable	NOUN
easat-7791	203	3	perceived	perceive	VERB
easat-7791	203	4	usefulness	usefulness	NOUN
easat-7791	203	5	affects	affect	VERB
easat-7791	203	6	the	the	DET
easat-7791	203	7	adoption	adoption	NOUN
easat-7791	203	8	of	of	ADP
easat-7791	203	9	fintech	fintech	NOUN
easat-7791	203	10	payment	payment	NOUN
easat-7791	203	11	adoption	adoption	NOUN
easat-7791	203	12	.	.	PUNCT
easat-7791	204	1	however	however	ADV
easat-7791	204	2	,	,	PUNCT
easat-7791	204	3	the	the	DET
easat-7791	204	4	variable	variable	NOUN
easat-7791	204	5	perceived	perceive	VERB
easat-7791	204	6	ease	ease	NOUN
easat-7791	204	7	of	of	ADP
easat-7791	204	8	use	use	NOUN
easat-7791	204	9	does	do	AUX
easat-7791	204	10	not	not	PART
easat-7791	204	11	affect	affect	VERB
easat-7791	204	12	the	the	DET
easat-7791	204	13	adoption	adoption	NOUN
easat-7791	204	14	of	of	ADP
easat-7791	204	15	digital	digital	ADJ
easat-7791	204	16	payments	payment	NOUN
easat-7791	204	17	.	.	PUNCT
easat-7791	205	1	that	that	DET
easat-7791	205	2	perceived	perceive	VERB
easat-7791	205	3	ease	ease	NOUN
easat-7791	205	4	of	of	ADP
easat-7791	205	5	use	use	NOUN
easat-7791	205	6	does	do	AUX
easat-7791	205	7	not	not	PART
easat-7791	205	8	affect	affect	VERB
easat-7791	205	9	attitude	attitude	NOUN
easat-7791	205	10	toward	toward	ADP
easat-7791	205	11	using	use	VERB
easat-7791	205	12	.	.	PUNCT
easat-7791	206	1	this	this	PRON
easat-7791	206	2	means	mean	VERB
easat-7791	206	3	that	that	SCONJ
easat-7791	206	4	the	the	DET
easat-7791	206	5	increasing	increase	VERB
easat-7791	206	6	or	or	CCONJ
easat-7791	206	7	decreasing	decrease	VERB
easat-7791	206	8	perception	perception	NOUN
easat-7791	206	9	of	of	ADP
easat-7791	206	10	ease	ease	NOUN
easat-7791	206	11	obtained	obtain	VERB
easat-7791	206	12	by	by	ADP
easat-7791	206	13	fintech	fintech	NOUN
easat-7791	206	14	payment	payment	NOUN
easat-7791	206	15	users	user	NOUN
easat-7791	206	16	is	be	AUX
easat-7791	206	17	not	not	PART
easat-7791	206	18	able	able	ADJ
easat-7791	206	19	to	to	PART
easat-7791	206	20	increase	increase	VERB
easat-7791	206	21	or	or	CCONJ
easat-7791	206	22	decrease	decrease	VERB
easat-7791	206	23	the	the	DET
easat-7791	206	24	level	level	NOUN
easat-7791	206	25	of	of	ADP
easat-7791	206	26	digital	digital	ADJ
easat-7791	206	27	payment	payment	NOUN
easat-7791	206	28	usage	usage	NOUN
easat-7791	206	29	behavior	behavior	NOUN
easat-7791	206	30	.	.	PUNCT
easat-7791	207	1	the	the	DET
easat-7791	207	2	results	result	NOUN
easat-7791	207	3	show	show	VERB
easat-7791	207	4	that	that	SCONJ
easat-7791	207	5	perceived	perceive	VERB
easat-7791	207	6	usefulness	usefulness	NOUN
easat-7791	207	7	has	have	VERB
easat-7791	207	8	a	a	DET
easat-7791	207	9	significant	significant	ADJ
easat-7791	207	10	effect	effect	NOUN
easat-7791	207	11	on	on	ADP
easat-7791	207	12	increasing	increase	VERB
easat-7791	207	13	the	the	DET
easat-7791	207	14	attitudes	attitude	NOUN
easat-7791	207	15	of	of	ADP
easat-7791	207	16	fintech	fintech	NOUN
easat-7791	207	17	payment	payment	NOUN
easat-7791	207	18	users	user	NOUN
easat-7791	207	19	.	.	PUNCT
easat-7791	208	1	this	this	PRON
easat-7791	208	2	means	mean	VERB
easat-7791	208	3	that	that	SCONJ
easat-7791	208	4	when	when	SCONJ
easat-7791	208	5	the	the	DET
easat-7791	208	6	benefits	benefit	NOUN
easat-7791	208	7	felt	feel	VERB
easat-7791	208	8	by	by	ADP
easat-7791	208	9	msme	msme	NOUN
easat-7791	208	10	actors	actor	NOUN
easat-7791	208	11	when	when	SCONJ
easat-7791	208	12	using	use	VERB
easat-7791	208	13	fintech	fintech	NOUN
easat-7791	208	14	payments	payment	NOUN
easat-7791	208	15	will	will	AUX
easat-7791	208	16	increase	increase	VERB
easat-7791	208	17	the	the	DET
easat-7791	208	18	positive	positive	ADJ
easat-7791	208	19	attitude	attitude	NOUN
easat-7791	208	20	of	of	ADP
easat-7791	208	21	users	user	NOUN
easat-7791	208	22	.	.	PUNCT
easat-7791	209	1	this	this	PRON
easat-7791	209	2	is	be	AUX
easat-7791	209	3	in	in	ADP
easat-7791	209	4	line	line	NOUN
easat-7791	209	5	with	with	ADP
easat-7791	209	6	research	research	NOUN
easat-7791	209	7	rosli	rosli	NOUN
easat-7791	209	8	,	,	PUNCT
easat-7791	209	9	et	et	PROPN
easat-7791	209	10	al	al	PROPN
easat-7791	209	11	.	.	PUNCT
easat-7791	210	1	[	[	X
easat-7791	210	2	17	17	NUM
easat-7791	210	3	]	]	PUNCT
easat-7791	210	4	which	which	PRON
easat-7791	210	5	shows	show	VERB
easat-7791	210	6	that	that	SCONJ
easat-7791	210	7	perceived	perceive	VERB
easat-7791	210	8	usefulness	usefulness	NOUN
easat-7791	210	9	influences	influence	VERB
easat-7791	210	10	users	user	NOUN
easat-7791	210	11	'	'	PART
easat-7791	210	12	attitudes	attitude	NOUN
easat-7791	210	13	in	in	ADP
easat-7791	210	14	gen	gen	PROPN
easat-7791	210	15	z.	z.	PROPN
easat-7791	210	16	however	however	ADV
easat-7791	210	17	,	,	PUNCT
easat-7791	210	18	the	the	DET
easat-7791	210	19	results	result	NOUN
easat-7791	210	20	of	of	ADP
easat-7791	210	21	this	this	DET
easat-7791	210	22	study	study	NOUN
easat-7791	210	23	show	show	VERB
easat-7791	210	24	that	that	SCONJ
easat-7791	210	25	the	the	DET
easat-7791	210	26	perception	perception	NOUN
easat-7791	210	27	of	of	ADP
easat-7791	210	28	ease	ease	NOUN
easat-7791	210	29	does	do	AUX
easat-7791	210	30	not	not	PART
easat-7791	210	31	significantly	significantly	ADV
easat-7791	210	32	affect	affect	VERB
easat-7791	210	33	the	the	DET
easat-7791	210	34	adoption	adoption	NOUN
easat-7791	210	35	of	of	ADP
easat-7791	210	36	fintech	fintech	NOUN
easat-7791	210	37	payments	payment	NOUN
easat-7791	210	38	.	.	PUNCT
easat-7791	211	1	which	which	PRON
easat-7791	211	2	means	mean	VERB
easat-7791	211	3	that	that	SCONJ
easat-7791	211	4	the	the	DET
easat-7791	211	5	perceived	perceive	VERB
easat-7791	211	6	ease	ease	NOUN
easat-7791	211	7	variable	variable	NOUN
easat-7791	211	8	felt	feel	VERB
easat-7791	211	9	by	by	ADP
easat-7791	211	10	micro	micro	ADJ
easat-7791	211	11	food	food	NOUN
easat-7791	211	12	and	and	CCONJ
easat-7791	211	13	beverage	beverage	NOUN
easat-7791	211	14	entrepreneurs	entrepreneur	NOUN
easat-7791	211	15	has	have	AUX
easat-7791	211	16	not	not	PART
easat-7791	211	17	been	be	AUX
easat-7791	211	18	able	able	ADJ
easat-7791	211	19	to	to	PART
easat-7791	211	20	influence	influence	VERB
easat-7791	211	21	the	the	DET
easat-7791	211	22	increase	increase	NOUN
easat-7791	211	23	and	and	CCONJ
easat-7791	211	24	decrease	decrease	NOUN
easat-7791	211	25	in	in	ADP
easat-7791	211	26	the	the	DET
easat-7791	211	27	adoption	adoption	NOUN
easat-7791	211	28	of	of	ADP
easat-7791	211	29	digital	digital	ADJ
easat-7791	211	30	payment	payment	NOUN
easat-7791	211	31	technology	technology	NOUN
easat-7791	211	32	among	among	ADP
easat-7791	211	33	micro	micro	ADJ
easat-7791	211	34	food	food	NOUN
easat-7791	211	35	and	and	CCONJ
easat-7791	211	36	beverage	beverage	NOUN
easat-7791	211	37	entrepreneurs	entrepreneur	NOUN
easat-7791	211	38	in	in	ADP
easat-7791	211	39	surabaya	surabaya	PROPN
easat-7791	211	40	city	city	PROPN
easat-7791	211	41	.	.	PUNCT
easat-7791	212	1	this	this	PRON
easat-7791	212	2	is	be	AUX
easat-7791	212	3	in	in	ADP
easat-7791	212	4	line	line	NOUN
easat-7791	212	5	with	with	ADP
easat-7791	212	6	research	research	PROPN
easat-7791	212	7	hasan	hasan	PROPN
easat-7791	212	8	,	,	PUNCT
easat-7791	212	9	et	et	PROPN
easat-7791	212	10	al	al	PROPN
easat-7791	212	11	.	.	PUNCT
easat-7791	213	1	[	[	X
easat-7791	213	2	24	24	NUM
easat-7791	213	3	]	]	PUNCT
easat-7791	213	4	which	which	PRON
easat-7791	213	5	states	state	VERB
easat-7791	213	6	that	that	SCONJ
easat-7791	213	7	the	the	DET
easat-7791	213	8	perception	perception	NOUN
easat-7791	213	9	of	of	ADP
easat-7791	213	10	ease	ease	NOUN
easat-7791	213	11	(	(	PUNCT
easat-7791	213	12	perceived	perceive	VERB
easat-7791	213	13	ease	ease	NOUN
easat-7791	213	14	of	of	ADP
easat-7791	213	15	use	use	NOUN
easat-7791	213	16	)	)	PUNCT
easat-7791	213	17	does	do	AUX
easat-7791	213	18	250	250	NUM
easat-7791	213	19	edelweiss	edelweiss	PROPN
easat-7791	213	20	applied	apply	VERB
easat-7791	213	21	science	science	NOUN
easat-7791	213	22	and	and	CCONJ
easat-7791	213	23	technology	technology	NOUN
easat-7791	213	24	issn	issn	PROPN
easat-7791	213	25	:	:	PUNCT
easat-7791	213	26	2576	2576	NUM
easat-7791	213	27	-	-	SYM
easat-7791	213	28	8484	8484	NUM
easat-7791	213	29	vol	vol	NOUN
easat-7791	213	30	.	.	PROPN
easat-7791	214	1	9	9	NUM
easat-7791	214	2	,	,	PUNCT
easat-7791	214	3	no	no	INTJ
easat-7791	214	4	.	.	NOUN
easat-7791	215	1	6	6	NUM
easat-7791	215	2	:	:	SYM
easat-7791	215	3	242	242	NUM
easat-7791	215	4	-	-	SYM
easat-7791	215	5	252	252	NUM
easat-7791	215	6	,	,	PUNCT
easat-7791	215	7	2025	2025	NUM
easat-7791	215	8	doi	doi	NOUN
easat-7791	215	9	:	:	PUNCT
easat-7791	215	10	10.55214/25768484.v9i6.7791	10.55214/25768484.v9i6.7791	NUM
easat-7791	215	11	©	©	PROPN
easat-7791	215	12	2025	2025	NUM
easat-7791	215	13	by	by	ADP
easat-7791	215	14	the	the	DET
easat-7791	215	15	authors	author	NOUN
easat-7791	215	16	;	;	PUNCT
easat-7791	215	17	licensee	licensee	PROPN
easat-7791	215	18	learning	learning	NOUN
easat-7791	215	19	gate	gate	NOUN
easat-7791	215	20	not	not	PART
easat-7791	215	21	affect	affect	VERB
easat-7791	215	22	the	the	DET
easat-7791	215	23	increase	increase	NOUN
easat-7791	215	24	in	in	ADP
easat-7791	215	25	the	the	DET
easat-7791	215	26	adoption	adoption	NOUN
easat-7791	215	27	of	of	ADP
easat-7791	215	28	digital	digital	ADJ
easat-7791	215	29	payments	payment	NOUN
easat-7791	215	30	in	in	ADP
easat-7791	215	31	the	the	DET
easat-7791	215	32	post	post	ADJ
easat-7791	215	33	-	-	ADJ
easat-7791	215	34	covid-19	covid-19	ADJ
easat-7791	215	35	pandemic	pandemic	ADJ
easat-7791	215	36	period	period	NOUN
easat-7791	215	37	in	in	ADP
easat-7791	215	38	the	the	DET
easat-7791	215	39	netherlands	netherlands	PROPN
easat-7791	215	40	.	.	PUNCT
easat-7791	216	1	the	the	DET
easat-7791	216	2	results	result	NOUN
easat-7791	216	3	of	of	ADP
easat-7791	216	4	the	the	DET
easat-7791	216	5	research	research	NOUN
easat-7791	216	6	data	datum	NOUN
easat-7791	216	7	processing	processing	NOUN
easat-7791	216	8	show	show	NOUN
easat-7791	216	9	that	that	SCONJ
easat-7791	216	10	perceived	perceive	VERB
easat-7791	216	11	usefulness	usefulness	NOUN
easat-7791	216	12	has	have	VERB
easat-7791	216	13	a	a	DET
easat-7791	216	14	significant	significant	ADJ
easat-7791	216	15	positive	positive	ADJ
easat-7791	216	16	effect	effect	NOUN
easat-7791	216	17	on	on	ADP
easat-7791	216	18	fintech	fintech	NOUN
easat-7791	216	19	payment	payment	NOUN
easat-7791	216	20	adoption	adoption	NOUN
easat-7791	216	21	.	.	PUNCT
easat-7791	217	1	this	this	PRON
easat-7791	217	2	means	mean	VERB
easat-7791	217	3	that	that	SCONJ
easat-7791	217	4	the	the	DET
easat-7791	217	5	increasing	increase	VERB
easat-7791	217	6	usefulness	usefulness	NOUN
easat-7791	217	7	provided	provide	VERB
easat-7791	217	8	by	by	ADP
easat-7791	217	9	fintech	fintech	NOUN
easat-7791	217	10	payment	payment	NOUN
easat-7791	217	11	services	service	NOUN
easat-7791	217	12	can	can	AUX
easat-7791	217	13	increase	increase	VERB
easat-7791	217	14	the	the	DET
easat-7791	217	15	use	use	NOUN
easat-7791	217	16	of	of	ADP
easat-7791	217	17	fintech	fintech	NOUN
easat-7791	217	18	payment	payment	NOUN
easat-7791	217	19	services	service	NOUN
easat-7791	217	20	by	by	ADP
easat-7791	217	21	micro	micro	ADJ
easat-7791	217	22	food	food	NOUN
easat-7791	217	23	and	and	CCONJ
easat-7791	217	24	beverage	beverage	NOUN
easat-7791	217	25	entrepreneurs	entrepreneur	NOUN
easat-7791	217	26	in	in	ADP
easat-7791	217	27	surabaya	surabaya	PROPN
easat-7791	217	28	city	city	PROPN
easat-7791	217	29	.	.	PUNCT
easat-7791	218	1	this	this	PRON
easat-7791	218	2	is	be	AUX
easat-7791	218	3	in	in	ADP
easat-7791	218	4	line	line	NOUN
easat-7791	218	5	with	with	ADP
easat-7791	218	6	research	research	NOUN
easat-7791	218	7	by	by	ADP
easat-7791	218	8	natakusumah	natakusumah	NOUN
easat-7791	218	9	,	,	PUNCT
easat-7791	218	10	et	et	PROPN
easat-7791	218	11	al	al	PROPN
easat-7791	218	12	.	.	PUNCT
easat-7791	219	1	[	[	X
easat-7791	219	2	20	20	NUM
easat-7791	219	3	]	]	PUNCT
easat-7791	219	4	and	and	CCONJ
easat-7791	219	5	which	which	PRON
easat-7791	219	6	states	state	VERB
easat-7791	219	7	that	that	SCONJ
easat-7791	219	8	perceived	perceive	VERB
easat-7791	219	9	usefulness	usefulness	NOUN
easat-7791	219	10	can	can	AUX
easat-7791	219	11	increase	increase	VERB
easat-7791	219	12	the	the	DET
easat-7791	219	13	adoption	adoption	NOUN
easat-7791	219	14	of	of	ADP
easat-7791	219	15	financial	financial	ADJ
easat-7791	219	16	technology	technology	NOUN
easat-7791	219	17	.	.	PUNCT
easat-7791	220	1	the	the	DET
easat-7791	220	2	results	result	NOUN
easat-7791	220	3	of	of	ADP
easat-7791	220	4	the	the	DET
easat-7791	220	5	mediation	mediation	NOUN
easat-7791	220	6	test	test	NOUN
easat-7791	220	7	show	show	VERB
easat-7791	220	8	that	that	SCONJ
easat-7791	220	9	attitude	attitude	NOUN
easat-7791	220	10	toward	toward	ADP
easat-7791	220	11	using	use	VERB
easat-7791	220	12	does	do	AUX
easat-7791	220	13	not	not	PART
easat-7791	220	14	mediate	mediate	VERB
easat-7791	220	15	the	the	DET
easat-7791	220	16	relationship	relationship	NOUN
easat-7791	220	17	between	between	ADP
easat-7791	220	18	perceived	perceive	VERB
easat-7791	220	19	ease	ease	NOUN
easat-7791	220	20	of	of	ADP
easat-7791	220	21	use	use	NOUN
easat-7791	220	22	and	and	CCONJ
easat-7791	220	23	fintech	fintech	NOUN
easat-7791	220	24	payment	payment	NOUN
easat-7791	220	25	adoption	adoption	NOUN
easat-7791	220	26	.	.	PUNCT
easat-7791	221	1	this	this	DET
easat-7791	221	2	finding	finding	NOUN
easat-7791	221	3	has	have	VERB
easat-7791	221	4	important	important	ADJ
easat-7791	221	5	implications	implication	NOUN
easat-7791	221	6	for	for	ADP
easat-7791	221	7	understanding	understand	VERB
easat-7791	221	8	the	the	DET
easat-7791	221	9	factors	factor	NOUN
easat-7791	221	10	that	that	PRON
easat-7791	221	11	influence	influence	VERB
easat-7791	221	12	the	the	DET
easat-7791	221	13	adoption	adoption	NOUN
easat-7791	221	14	of	of	ADP
easat-7791	221	15	fintech	fintech	NOUN
easat-7791	221	16	payments	payment	NOUN
easat-7791	221	17	among	among	ADP
easat-7791	221	18	msmes	msme	NOUN
easat-7791	221	19	.	.	PUNCT
easat-7791	222	1	by	by	ADP
easat-7791	222	2	showing	show	VERB
easat-7791	222	3	that	that	SCONJ
easat-7791	222	4	perceived	perceive	VERB
easat-7791	222	5	ease	ease	NOUN
easat-7791	222	6	of	of	ADP
easat-7791	222	7	use	use	NOUN
easat-7791	222	8	has	have	VERB
easat-7791	222	9	a	a	DET
easat-7791	222	10	direct	direct	ADJ
easat-7791	222	11	effect	effect	NOUN
easat-7791	222	12	,	,	PUNCT
easat-7791	222	13	this	this	DET
easat-7791	222	14	study	study	NOUN
easat-7791	222	15	provides	provide	VERB
easat-7791	222	16	new	new	ADJ
easat-7791	222	17	insights	insight	NOUN
easat-7791	222	18	into	into	ADP
easat-7791	222	19	for	for	ADP
easat-7791	222	20	understanding	understand	VERB
easat-7791	222	21	the	the	DET
easat-7791	222	22	factors	factor	NOUN
easat-7791	222	23	that	that	PRON
easat-7791	222	24	influence	influence	VERB
easat-7791	222	25	the	the	DET
easat-7791	222	26	adoption	adoption	NOUN
easat-7791	222	27	of	of	ADP
easat-7791	222	28	fintech	fintech	NOUN
easat-7791	222	29	payments	payment	NOUN
easat-7791	222	30	among	among	ADP
easat-7791	222	31	msmes	msme	NOUN
easat-7791	222	32	.	.	PUNCT
easat-7791	223	1	by	by	ADP
easat-7791	223	2	showing	show	VERB
easat-7791	223	3	that	that	SCONJ
easat-7791	223	4	perceived	perceive	VERB
easat-7791	223	5	ease	ease	NOUN
easat-7791	223	6	of	of	ADP
easat-7791	223	7	use	use	NOUN
easat-7791	223	8	has	have	VERB
easat-7791	223	9	a	a	DET
easat-7791	223	10	direct	direct	ADJ
easat-7791	223	11	effect	effect	NOUN
easat-7791	223	12	,	,	PUNCT
easat-7791	223	13	this	this	DET
easat-7791	223	14	study	study	NOUN
easat-7791	223	15	provides	provide	VERB
easat-7791	223	16	new	new	ADJ
easat-7791	223	17	insights	insight	NOUN
easat-7791	223	18	into	into	ADP
easat-7791	223	19	the	the	DET
easat-7791	223	20	development	development	NOUN
easat-7791	223	21	of	of	ADP
easat-7791	223	22	promotional	promotional	ADJ
easat-7791	223	23	strategies	strategy	NOUN
easat-7791	223	24	and	and	CCONJ
easat-7791	223	25	marketing	marketing	NOUN
easat-7791	223	26	approaches	approach	NOUN
easat-7791	223	27	to	to	PART
easat-7791	223	28	increase	increase	VERB
easat-7791	223	29	the	the	DET
easat-7791	223	30	adoption	adoption	NOUN
easat-7791	223	31	of	of	ADP
easat-7791	223	32	fintech	fintech	NOUN
easat-7791	223	33	payments	payment	NOUN
easat-7791	223	34	among	among	ADP
easat-7791	223	35	msmes	msme	NOUN
easat-7791	223	36	.	.	PUNCT
easat-7791	224	1	in	in	ADP
easat-7791	224	2	addition	addition	NOUN
easat-7791	224	3	,	,	PUNCT
easat-7791	224	4	this	this	DET
easat-7791	224	5	finding	finding	NOUN
easat-7791	224	6	also	also	ADV
easat-7791	224	7	underlines	underline	VERB
easat-7791	224	8	the	the	DET
easat-7791	224	9	importance	importance	NOUN
easat-7791	224	10	of	of	ADP
easat-7791	224	11	considering	consider	VERB
easat-7791	224	12	other	other	ADJ
easat-7791	224	13	factors	factor	NOUN
easat-7791	224	14	besides	besides	SCONJ
easat-7791	224	15	attitude	attitude	NOUN
easat-7791	224	16	toward	toward	ADP
easat-7791	224	17	using	use	VERB
easat-7791	224	18	financial	financial	ADJ
easat-7791	224	19	technology	technology	NOUN
easat-7791	224	20	in	in	ADP
easat-7791	224	21	designing	design	VERB
easat-7791	224	22	educational	educational	ADJ
easat-7791	224	23	and	and	CCONJ
easat-7791	224	24	training	training	NOUN
easat-7791	224	25	programs	program	NOUN
easat-7791	224	26	.	.	PUNCT
easat-7791	225	1	the	the	DET
easat-7791	225	2	attitude	attitude	NOUN
easat-7791	225	3	toward	toward	ADP
easat-7791	225	4	using	use	VERB
easat-7791	225	5	variable	variable	NOUN
easat-7791	225	6	is	be	AUX
easat-7791	225	7	measured	measure	VERB
easat-7791	225	8	by	by	ADP
easat-7791	225	9	the	the	DET
easat-7791	225	10	indicators	indicator	NOUN
easat-7791	225	11	of	of	ADP
easat-7791	225	12	the	the	DET
easat-7791	225	13	comfort	comfort	NOUN
easat-7791	225	14	of	of	ADP
easat-7791	225	15	interaction	interaction	NOUN
easat-7791	225	16	,	,	PUNCT
easat-7791	225	17	a	a	DET
easat-7791	225	18	satisfaction	satisfaction	NOUN
easat-7791	225	19	of	of	ADP
easat-7791	225	20	use	use	NOUN
easat-7791	225	21	,	,	PUNCT
easat-7791	225	22	and	and	CCONJ
easat-7791	225	23	pleasure	pleasure	NOUN
easat-7791	225	24	of	of	ADP
easat-7791	225	25	use	use	NOUN
easat-7791	225	26	.	.	PUNCT
easat-7791	226	1	meanwhile	meanwhile	ADV
easat-7791	226	2	,	,	PUNCT
easat-7791	226	3	the	the	DET
easat-7791	226	4	perceived	perceive	VERB
easat-7791	226	5	ease	ease	NOUN
easat-7791	226	6	of	of	ADP
easat-7791	226	7	use	use	NOUN
easat-7791	226	8	variable	variable	NOUN
easat-7791	226	9	is	be	AUX
easat-7791	226	10	measured	measure	VERB
easat-7791	226	11	by	by	ADP
easat-7791	226	12	the	the	DET
easat-7791	226	13	indicators	indicator	NOUN
easat-7791	226	14	of	of	ADP
easat-7791	226	15	ease	ease	NOUN
easat-7791	226	16	of	of	ADP
easat-7791	226	17	learning	learning	NOUN
easat-7791	226	18	,	,	PUNCT
easat-7791	226	19	ease	ease	NOUN
easat-7791	226	20	of	of	ADP
easat-7791	226	21	use	use	NOUN
easat-7791	226	22	,	,	PUNCT
easat-7791	226	23	clarity	clarity	NOUN
easat-7791	226	24	and	and	CCONJ
easat-7791	226	25	understanding	understanding	NOUN
easat-7791	226	26	,	,	PUNCT
easat-7791	226	27	and	and	CCONJ
easat-7791	226	28	the	the	DET
easat-7791	226	29	ability	ability	NOUN
easat-7791	226	30	to	to	PART
easat-7791	226	31	become	become	VERB
easat-7791	226	32	skilled	skilled	ADJ
easat-7791	226	33	in	in	ADP
easat-7791	226	34	technology	technology	NOUN
easat-7791	226	35	.	.	PUNCT
easat-7791	227	1	the	the	DET
easat-7791	227	2	fintech	fintech	NOUN
easat-7791	227	3	payment	payment	NOUN
easat-7791	227	4	adoption	adoption	NOUN
easat-7791	227	5	variable	variable	NOUN
easat-7791	227	6	is	be	AUX
easat-7791	227	7	measured	measure	VERB
easat-7791	227	8	by	by	ADP
easat-7791	227	9	the	the	DET
easat-7791	227	10	indicators	indicator	NOUN
easat-7791	227	11	of	of	ADP
easat-7791	227	12	frequency	frequency	NOUN
easat-7791	227	13	and	and	CCONJ
easat-7791	227	14	duration	duration	NOUN
easat-7791	227	15	of	of	ADP
easat-7791	227	16	use	use	NOUN
easat-7791	227	17	of	of	ADP
easat-7791	227	18	fintech	fintech	NOUN
easat-7791	227	19	payments	payment	NOUN
easat-7791	227	20	,	,	PUNCT
easat-7791	227	21	as	as	ADV
easat-7791	227	22	well	well	ADV
easat-7791	227	23	as	as	ADP
easat-7791	227	24	the	the	DET
easat-7791	227	25	actual	actual	ADJ
easat-7791	227	26	use	use	NOUN
easat-7791	227	27	of	of	ADP
easat-7791	227	28	fintech	fintech	NOUN
easat-7791	227	29	payments	payment	NOUN
easat-7791	227	30	.	.	PUNCT
easat-7791	228	1	this	this	DET
easat-7791	228	2	study	study	NOUN
easat-7791	228	3	also	also	ADV
easat-7791	228	4	revealed	reveal	VERB
easat-7791	228	5	that	that	SCONJ
easat-7791	228	6	attitude	attitude	NOUN
easat-7791	228	7	toward	toward	ADP
easat-7791	228	8	using	use	VERB
easat-7791	228	9	acts	act	NOUN
easat-7791	228	10	as	as	ADP
easat-7791	228	11	a	a	DET
easat-7791	228	12	partial	partial	ADJ
easat-7791	228	13	mediator	mediator	NOUN
easat-7791	228	14	in	in	ADP
easat-7791	228	15	the	the	DET
easat-7791	228	16	relationship	relationship	NOUN
easat-7791	228	17	between	between	ADP
easat-7791	228	18	perceived	perceive	VERB
easat-7791	228	19	usefulness	usefulness	NOUN
easat-7791	228	20	and	and	CCONJ
easat-7791	228	21	adoption	adoption	NOUN
easat-7791	228	22	of	of	ADP
easat-7791	228	23	fintech	fintech	NOUN
easat-7791	228	24	payments	payment	NOUN
easat-7791	228	25	among	among	ADP
easat-7791	228	26	msmes	msme	NOUN
easat-7791	228	27	.	.	PUNCT
easat-7791	229	1	this	this	DET
easat-7791	229	2	finding	finding	NOUN
easat-7791	229	3	provides	provide	VERB
easat-7791	229	4	a	a	DET
easat-7791	229	5	more	more	ADV
easat-7791	229	6	holistic	holistic	ADJ
easat-7791	229	7	understanding	understanding	NOUN
easat-7791	229	8	of	of	ADP
easat-7791	229	9	the	the	DET
easat-7791	229	10	factors	factor	NOUN
easat-7791	229	11	that	that	PRON
easat-7791	229	12	influence	influence	VERB
easat-7791	229	13	the	the	DET
easat-7791	229	14	acceptance	acceptance	NOUN
easat-7791	229	15	of	of	ADP
easat-7791	229	16	financial	financial	ADJ
easat-7791	229	17	technology	technology	NOUN
easat-7791	229	18	among	among	ADP
easat-7791	229	19	msmes	msme	NOUN
easat-7791	229	20	.	.	PUNCT
easat-7791	230	1	the	the	DET
easat-7791	230	2	implications	implication	NOUN
easat-7791	230	3	of	of	ADP
easat-7791	230	4	the	the	DET
easat-7791	230	5	results	result	NOUN
easat-7791	230	6	of	of	ADP
easat-7791	230	7	this	this	DET
easat-7791	230	8	study	study	NOUN
easat-7791	230	9	can	can	AUX
easat-7791	230	10	be	be	AUX
easat-7791	230	11	used	use	VERB
easat-7791	230	12	to	to	PART
easat-7791	230	13	help	help	VERB
easat-7791	230	14	fintech	fintech	NOUN
easat-7791	230	15	service	service	NOUN
easat-7791	230	16	developers	developer	NOUN
easat-7791	230	17	and	and	CCONJ
easat-7791	230	18	related	related	ADJ
easat-7791	230	19	stakeholders	stakeholder	NOUN
easat-7791	230	20	in	in	ADP
easat-7791	230	21	designing	design	VERB
easat-7791	230	22	more	more	ADV
easat-7791	230	23	effective	effective	ADJ
easat-7791	230	24	strategies	strategy	NOUN
easat-7791	230	25	in	in	ADP
easat-7791	230	26	increasing	increase	VERB
easat-7791	230	27	the	the	DET
easat-7791	230	28	adoption	adoption	NOUN
easat-7791	230	29	of	of	ADP
easat-7791	230	30	fintech	fintech	NOUN
easat-7791	230	31	payments	payment	NOUN
easat-7791	230	32	in	in	ADP
easat-7791	230	33	indonesia	indonesia	PROPN
easat-7791	230	34	.	.	PUNCT
easat-7791	231	1	thus	thus	ADV
easat-7791	231	2	,	,	PUNCT
easat-7791	231	3	this	this	DET
easat-7791	231	4	study	study	NOUN
easat-7791	231	5	contributes	contribute	VERB
easat-7791	231	6	to	to	ADP
easat-7791	231	7	the	the	DET
easat-7791	231	8	development	development	NOUN
easat-7791	231	9	of	of	ADP
easat-7791	231	10	literature	literature	NOUN
easat-7791	231	11	on	on	ADP
easat-7791	231	12	the	the	DET
easat-7791	231	13	adoption	adoption	NOUN
easat-7791	231	14	of	of	ADP
easat-7791	231	15	fintech	fintech	NOUN
easat-7791	231	16	payments	payment	NOUN
easat-7791	231	17	and	and	CCONJ
easat-7791	231	18	provides	provide	VERB
easat-7791	231	19	practical	practical	ADJ
easat-7791	231	20	guidance	guidance	NOUN
easat-7791	231	21	for	for	ADP
easat-7791	231	22	the	the	DET
easat-7791	231	23	fintech	fintech	NOUN
easat-7791	231	24	industry	industry	NOUN
easat-7791	231	25	in	in	ADP
easat-7791	231	26	increasing	increase	VERB
easat-7791	231	27	the	the	DET
easat-7791	231	28	acceptance	acceptance	NOUN
easat-7791	231	29	of	of	ADP
easat-7791	231	30	financial	financial	ADJ
easat-7791	231	31	technology	technology	NOUN
easat-7791	231	32	among	among	ADP
easat-7791	231	33	msmes	msme	NOUN
easat-7791	231	34	.	.	PUNCT
easat-7791	232	1	the	the	DET
easat-7791	232	2	results	result	NOUN
easat-7791	232	3	of	of	ADP
easat-7791	232	4	this	this	DET
easat-7791	232	5	study	study	NOUN
easat-7791	232	6	will	will	AUX
easat-7791	232	7	be	be	AUX
easat-7791	232	8	a	a	DET
easat-7791	232	9	useful	useful	ADJ
easat-7791	232	10	foundation	foundation	NOUN
easat-7791	232	11	for	for	ADP
easat-7791	232	12	further	further	ADJ
easat-7791	232	13	research	research	NOUN
easat-7791	232	14	and	and	CCONJ
easat-7791	232	15	development	development	NOUN
easat-7791	232	16	of	of	ADP
easat-7791	232	17	policies	policy	NOUN
easat-7791	232	18	that	that	PRON
easat-7791	232	19	support	support	VERB
easat-7791	232	20	the	the	DET
easat-7791	232	21	growth	growth	NOUN
easat-7791	232	22	of	of	ADP
easat-7791	232	23	the	the	DET
easat-7791	232	24	fintech	fintech	NOUN
easat-7791	232	25	sector	sector	NOUN
easat-7791	232	26	in	in	ADP
easat-7791	232	27	indonesia	indonesia	PROPN
easat-7791	232	28	.	.	PUNCT
easat-7791	233	1	6	6	X
easat-7791	233	2	.	.	X
easat-7791	233	3	conclusion	conclusion	NOUN
easat-7791	233	4	this	this	DET
easat-7791	233	5	study	study	NOUN
easat-7791	233	6	contributes	contribute	VERB
easat-7791	233	7	to	to	ADP
easat-7791	233	8	the	the	DET
easat-7791	233	9	development	development	NOUN
easat-7791	233	10	of	of	ADP
easat-7791	233	11	the	the	DET
easat-7791	233	12	technology	technology	NOUN
easat-7791	233	13	acceptance	acceptance	NOUN
easat-7791	233	14	model	model	NOUN
easat-7791	233	15	(	(	PUNCT
easat-7791	233	16	tam	tam	PROPN
easat-7791	233	17	)	)	PUNCT
easat-7791	233	18	and	and	CCONJ
easat-7791	233	19	the	the	DET
easat-7791	233	20	unified	unified	ADJ
easat-7791	233	21	theory	theory	NOUN
easat-7791	233	22	of	of	ADP
easat-7791	233	23	acceptance	acceptance	NOUN
easat-7791	233	24	and	and	CCONJ
easat-7791	233	25	use	use	NOUN
easat-7791	233	26	of	of	ADP
easat-7791	233	27	technology	technology	NOUN
easat-7791	233	28	(	(	PUNCT
easat-7791	233	29	utaut	utaut	PROPN
easat-7791	233	30	)	)	PUNCT
easat-7791	233	31	through	through	ADP
easat-7791	233	32	the	the	DET
easat-7791	233	33	following	following	ADJ
easat-7791	233	34	points	point	NOUN
easat-7791	233	35	:	:	PUNCT
easat-7791	233	36	enrichment	enrichment	NOUN
easat-7791	233	37	of	of	ADP
easat-7791	233	38	tam	tam	PROPN
easat-7791	233	39	and	and	CCONJ
easat-7791	233	40	utaut	utaut	PROPN
easat-7791	233	41	perspectives	perspective	NOUN
easat-7791	233	42	in	in	ADP
easat-7791	233	43	the	the	DET
easat-7791	233	44	context	context	NOUN
easat-7791	233	45	of	of	ADP
easat-7791	233	46	msmes	msme	NOUN
easat-7791	233	47	the	the	DET
easat-7791	233	48	results	result	NOUN
easat-7791	233	49	of	of	ADP
easat-7791	233	50	the	the	DET
easat-7791	233	51	study	study	NOUN
easat-7791	233	52	strengthen	strengthen	VERB
easat-7791	233	53	the	the	DET
easat-7791	233	54	relevance	relevance	NOUN
easat-7791	233	55	of	of	ADP
easat-7791	233	56	these	these	DET
easat-7791	233	57	dimensions	dimension	NOUN
easat-7791	233	58	in	in	ADP
easat-7791	233	59	the	the	DET
easat-7791	233	60	context	context	NOUN
easat-7791	233	61	of	of	ADP
easat-7791	233	62	digital	digital	ADJ
easat-7791	233	63	finance	finance	NOUN
easat-7791	233	64	.	.	PUNCT
easat-7791	234	1	strengthening	strengthen	VERB
easat-7791	234	2	the	the	DET
easat-7791	234	3	role	role	NOUN
easat-7791	234	4	of	of	ADP
easat-7791	234	5	attitude	attitude	NOUN
easat-7791	234	6	toward	toward	ADP
easat-7791	234	7	using	use	VERB
easat-7791	234	8	as	as	ADP
easat-7791	234	9	an	an	DET
easat-7791	234	10	intervening	intervene	VERB
easat-7791	234	11	variable	variable	NOUN
easat-7791	234	12	the	the	DET
easat-7791	234	13	findings	finding	NOUN
easat-7791	234	14	that	that	PRON
easat-7791	234	15	show	show	VERB
easat-7791	234	16	how	how	SCONJ
easat-7791	234	17	attitudes	attitude	NOUN
easat-7791	234	18	towards	towards	ADP
easat-7791	234	19	use	use	NOUN
easat-7791	234	20	mediate	mediate	VERB
easat-7791	234	21	the	the	DET
easat-7791	234	22	influence	influence	NOUN
easat-7791	234	23	of	of	ADP
easat-7791	234	24	perceived	perceive	VERB
easat-7791	234	25	ease	ease	NOUN
easat-7791	234	26	and	and	CCONJ
easat-7791	234	27	usefulness	usefulness	NOUN
easat-7791	234	28	on	on	ADP
easat-7791	234	29	fintech	fintech	NOUN
easat-7791	234	30	adoption	adoption	NOUN
easat-7791	234	31	provide	provide	VERB
easat-7791	234	32	a	a	DET
easat-7791	234	33	new	new	ADJ
easat-7791	234	34	dimension	dimension	NOUN
easat-7791	234	35	to	to	ADP
easat-7791	234	36	the	the	DET
easat-7791	234	37	development	development	NOUN
easat-7791	234	38	of	of	ADP
easat-7791	234	39	the	the	DET
easat-7791	234	40	tam	tam	PROPN
easat-7791	234	41	and	and	CCONJ
easat-7791	234	42	utaut	utaut	PROPN
easat-7791	234	43	models	model	NOUN
easat-7791	234	44	,	,	PUNCT
easat-7791	234	45	especially	especially	ADV
easat-7791	234	46	in	in	ADP
easat-7791	234	47	understanding	understand	VERB
easat-7791	234	48	user	user	NOUN
easat-7791	234	49	behavior	behavior	NOUN
easat-7791	234	50	in	in	ADP
easat-7791	234	51	the	the	DET
easat-7791	234	52	informal	informal	ADJ
easat-7791	234	53	sector	sector	NOUN
easat-7791	234	54	.	.	PUNCT
easat-7791	235	1	development	development	NOUN
easat-7791	235	2	of	of	ADP
easat-7791	235	3	utaut	utaut	PROPN
easat-7791	235	4	on	on	ADP
easat-7791	235	5	a	a	DET
easat-7791	235	6	small	small	ADJ
easat-7791	235	7	scale	scale	NOUN
easat-7791	235	8	by	by	ADP
easat-7791	235	9	adapting	adapt	VERB
easat-7791	235	10	utaut	utaut	NOUN
easat-7791	235	11	for	for	ADP
easat-7791	235	12	the	the	DET
easat-7791	235	13	micro	micro	ADJ
easat-7791	235	14	scale	scale	NOUN
easat-7791	235	15	,	,	PUNCT
easat-7791	235	16	this	this	DET
easat-7791	235	17	study	study	NOUN
easat-7791	235	18	expands	expand	VERB
easat-7791	235	19	the	the	DET
easat-7791	235	20	application	application	NOUN
easat-7791	235	21	of	of	ADP
easat-7791	235	22	the	the	DET
easat-7791	235	23	theory	theory	NOUN
easat-7791	235	24	to	to	ADP
easat-7791	235	25	the	the	DET
easat-7791	235	26	small	small	ADJ
easat-7791	235	27	business	business	NOUN
easat-7791	235	28	segment	segment	NOUN
easat-7791	235	29	,	,	PUNCT
easat-7791	235	30	especially	especially	ADV
easat-7791	235	31	in	in	ADP
easat-7791	235	32	the	the	DET
easat-7791	235	33	food	food	NOUN
easat-7791	235	34	and	and	CCONJ
easat-7791	235	35	beverage	beverage	NOUN
easat-7791	235	36	industry	industry	NOUN
easat-7791	235	37	,	,	PUNCT
easat-7791	235	38	thus	thus	ADV
easat-7791	235	39	offering	offer	VERB
easat-7791	235	40	new	new	ADJ
easat-7791	235	41	insights	insight	NOUN
easat-7791	235	42	to	to	ADP
easat-7791	235	43	academic	academic	ADJ
easat-7791	235	44	literature	literature	NOUN
easat-7791	235	45	transparency	transparency	NOUN
easat-7791	235	46	:	:	PUNCT
easat-7791	235	47	the	the	DET
easat-7791	235	48	authors	author	NOUN
easat-7791	235	49	confirm	confirm	VERB
easat-7791	235	50	that	that	SCONJ
easat-7791	235	51	the	the	DET
easat-7791	235	52	manuscript	manuscript	NOUN
easat-7791	235	53	is	be	AUX
easat-7791	235	54	an	an	DET
easat-7791	235	55	honest	honest	ADJ
easat-7791	235	56	,	,	PUNCT
easat-7791	235	57	accurate	accurate	ADJ
easat-7791	235	58	,	,	PUNCT
easat-7791	235	59	and	and	CCONJ
easat-7791	235	60	transparent	transparent	ADJ
easat-7791	235	61	account	account	NOUN
easat-7791	235	62	of	of	ADP
easat-7791	235	63	the	the	DET
easat-7791	235	64	study	study	NOUN
easat-7791	235	65	;	;	PUNCT
easat-7791	235	66	that	that	SCONJ
easat-7791	235	67	no	no	DET
easat-7791	235	68	vital	vital	ADJ
easat-7791	235	69	features	feature	NOUN
easat-7791	235	70	of	of	ADP
easat-7791	235	71	the	the	DET
easat-7791	235	72	study	study	NOUN
easat-7791	235	73	have	have	AUX
easat-7791	235	74	been	be	AUX
easat-7791	235	75	omitted	omit	VERB
easat-7791	235	76	;	;	PUNCT
easat-7791	235	77	and	and	CCONJ
easat-7791	235	78	that	that	SCONJ
easat-7791	235	79	any	any	DET
easat-7791	235	80	discrepancies	discrepancy	NOUN
easat-7791	235	81	from	from	ADP
easat-7791	235	82	the	the	DET
easat-7791	235	83	study	study	NOUN
easat-7791	235	84	as	as	SCONJ
easat-7791	235	85	planned	plan	VERB
easat-7791	235	86	have	have	AUX
easat-7791	235	87	been	be	AUX
easat-7791	235	88	explained	explain	VERB
easat-7791	235	89	.	.	PUNCT
easat-7791	236	1	this	this	DET
easat-7791	236	2	study	study	NOUN
easat-7791	236	3	followed	follow	VERB
easat-7791	236	4	all	all	DET
easat-7791	236	5	ethical	ethical	ADJ
easat-7791	236	6	practices	practice	NOUN
easat-7791	236	7	during	during	ADP
easat-7791	236	8	writing	writing	NOUN
easat-7791	236	9	.	.	PUNCT
easat-7791	237	1	251	251	NUM
easat-7791	237	2	edelweiss	edelweiss	PROPN
easat-7791	237	3	applied	apply	VERB
easat-7791	237	4	science	science	NOUN
easat-7791	237	5	and	and	CCONJ
easat-7791	237	6	technology	technology	NOUN
easat-7791	237	7	issn	issn	PROPN
easat-7791	237	8	:	:	PUNCT
easat-7791	237	9	2576	2576	NUM
easat-7791	237	10	-	-	SYM
easat-7791	237	11	8484	8484	NUM
easat-7791	237	12	vol	vol	NOUN
easat-7791	237	13	.	.	PROPN
easat-7791	238	1	9	9	NUM
easat-7791	238	2	,	,	PUNCT
easat-7791	238	3	no	no	INTJ
easat-7791	238	4	.	.	NOUN
easat-7791	239	1	6	6	NUM
easat-7791	239	2	:	:	SYM
easat-7791	239	3	242	242	NUM
easat-7791	239	4	-	-	SYM
easat-7791	239	5	252	252	NUM
easat-7791	239	6	,	,	PUNCT
easat-7791	239	7	2025	2025	NUM
easat-7791	239	8	doi	doi	NOUN
easat-7791	239	9	:	:	PUNCT
easat-7791	239	10	10.55214/25768484.v9i6.7791	10.55214/25768484.v9i6.7791	NUM
easat-7791	239	11	©	©	PROPN
easat-7791	239	12	2025	2025	NUM
easat-7791	239	13	by	by	ADP
easat-7791	239	14	the	the	DET
easat-7791	239	15	authors	author	NOUN
easat-7791	239	16	;	;	PUNCT
easat-7791	240	1	licensee	licensee	PROPN
easat-7791	240	2	learning	learn	VERB
easat-7791	240	3	gate	gate	NOUN
easat-7791	240	4	copyright	copyright	NOUN
easat-7791	240	5	:	:	PUNCT
easat-7791	240	6	©	©	PROPN
easat-7791	240	7	2025	2025	NUM
easat-7791	240	8	by	by	ADP
easat-7791	240	9	the	the	DET
easat-7791	240	10	authors	author	NOUN
easat-7791	240	11	.	.	PUNCT
easat-7791	241	1	this	this	DET
easat-7791	241	2	open	open	ADJ
easat-7791	241	3	-	-	PUNCT
easat-7791	241	4	access	access	NOUN
easat-7791	241	5	article	article	NOUN
easat-7791	241	6	is	be	AUX
easat-7791	241	7	distributed	distribute	VERB
easat-7791	241	8	under	under	ADP
easat-7791	241	9	the	the	DET
easat-7791	241	10	terms	term	NOUN
easat-7791	241	11	and	and	CCONJ
easat-7791	241	12	conditions	condition	NOUN
easat-7791	241	13	of	of	ADP
easat-7791	241	14	the	the	DET
easat-7791	241	15	creative	creative	ADJ
easat-7791	241	16	commons	common	NOUN
easat-7791	241	17	attribution	attribution	NOUN
easat-7791	241	18	(	(	PUNCT
easat-7791	241	19	cc	cc	NOUN
easat-7791	241	20	by	by	ADP
easat-7791	241	21	)	)	PUNCT
easat-7791	241	22	license	license	NOUN
easat-7791	241	23	(	(	PUNCT
easat-7791	241	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-7791	241	25	)	)	PUNCT
easat-7791	241	26	.	.	PUNCT
easat-7791	242	1	references	reference	NOUN
easat-7791	242	2	[	[	X
easat-7791	242	3	1	1	NUM
easat-7791	242	4	]	]	X
easat-7791	242	5	n.	n.	PROPN
easat-7791	242	6	w.	w.	PROPN
easat-7791	242	7	lestari	lestari	PROPN
easat-7791	242	8	,	,	PUNCT
easat-7791	242	9	"	"	PUNCT
easat-7791	242	10	the	the	DET
easat-7791	242	11	role	role	NOUN
easat-7791	242	12	of	of	ADP
easat-7791	242	13	msmes	msme	NOUN
easat-7791	242	14	in	in	ADP
easat-7791	242	15	the	the	DET
easat-7791	242	16	national	national	ADJ
easat-7791	242	17	economy	economy	NOUN
easat-7791	242	18	and	and	CCONJ
easat-7791	242	19	reducing	reduce	VERB
easat-7791	242	20	unemployment	unemployment	NOUN
easat-7791	242	21	in	in	ADP
easat-7791	242	22	indonesia	indonesia	PROPN
easat-7791	242	23	.	.	PUNCT
easat-7791	242	24	"	"	PUNCT
easat-7791	243	1	surabaya	surabaya	PROPN
easat-7791	243	2	:	:	PUNCT
easat-7791	243	3	surabaya	surabaya	PROPN
easat-7791	243	4	state	state	PROPN
easat-7791	243	5	university	university	PROPN
easat-7791	243	6	press	press	NOUN
easat-7791	243	7	,	,	PUNCT
easat-7791	243	8	2022	2022	NUM
easat-7791	243	9	.	.	PUNCT
easat-7791	244	1	[	[	X
easat-7791	244	2	2	2	NUM
easat-7791	244	3	]	]	PUNCT
easat-7791	244	4	r.	r.	X
easat-7791	244	5	wispandono	wispandono	PROPN
easat-7791	244	6	,	,	PUNCT
easat-7791	244	7	"	"	PUNCT
easat-7791	244	8	efforts	effort	NOUN
easat-7791	244	9	to	to	PART
easat-7791	244	10	reduce	reduce	VERB
easat-7791	244	11	unemployment	unemployment	NOUN
easat-7791	244	12	through	through	ADP
easat-7791	244	13	increasing	increase	VERB
easat-7791	244	14	culinary	culinary	ADJ
easat-7791	244	15	tourism	tourism	NOUN
easat-7791	244	16	(	(	PUNCT
easat-7791	244	17	study	study	NOUN
easat-7791	244	18	on	on	ADP
easat-7791	244	19	street	street	NOUN
easat-7791	244	20	vendors	vendor	NOUN
easat-7791	244	21	in	in	ADP
easat-7791	244	22	surabaya	surabaya	PROPN
easat-7791	244	23	)	)	PUNCT
easat-7791	244	24	,	,	PUNCT
easat-7791	244	25	"	"	PUNCT
easat-7791	244	26	journal	journal	NOUN
easat-7791	244	27	unipdu	unipdu	ADJ
easat-7791	244	28	,	,	PUNCT
easat-7791	244	29	vol	vol	NOUN
easat-7791	244	30	.	.	PROPN
easat-7791	244	31	1	1	NUM
easat-7791	244	32	,	,	PUNCT
easat-7791	244	33	no	no	INTJ
easat-7791	244	34	.	.	NOUN
easat-7791	244	35	1	1	NUM
easat-7791	244	36	,	,	PUNCT
easat-7791	244	37	pp	pp	ADJ
easat-7791	244	38	.	.	PUNCT
easat-7791	245	1	1	1	NUM
easat-7791	245	2	-	-	SYM
easat-7791	245	3	7	7	NUM
easat-7791	245	4	,	,	PUNCT
easat-7791	245	5	2011	2011	NUM
easat-7791	245	6	.	.	PUNCT
easat-7791	246	1	[	[	X
easat-7791	246	2	3	3	X
easat-7791	246	3	]	]	X
easat-7791	246	4	w.	w.	NOUN
easat-7791	246	5	santoso	santoso	PROPN
easat-7791	246	6	,	,	PUNCT
easat-7791	246	7	h.	h.	PROPN
easat-7791	246	8	s.	s.	PROPN
easat-7791	246	9	pranoto	pranoto	PROPN
easat-7791	246	10	,	,	PUNCT
easat-7791	246	11	and	and	CCONJ
easat-7791	246	12	f.	f.	PROPN
easat-7791	246	13	septina	septina	PROPN
easat-7791	246	14	,	,	PUNCT
easat-7791	246	15	"	"	PUNCT
easat-7791	246	16	digitalization	digitalization	NOUN
easat-7791	246	17	of	of	ADP
easat-7791	246	18	wiyung	wiyung	PROPN
easat-7791	246	19	culinary	culinary	PROPN
easat-7791	246	20	rourism	rourism	NOUN
easat-7791	246	21	center	center	NOUN
easat-7791	246	22	,	,	PUNCT
easat-7791	246	23	surabaya	surabaya	PROPN
easat-7791	246	24	city	city	PROPN
easat-7791	246	25	,	,	PUNCT
easat-7791	246	26	east	east	PROPN
easat-7791	246	27	java	java	PROPN
easat-7791	246	28	province	province	PROPN
easat-7791	246	29	,	,	PUNCT
easat-7791	246	30	"	"	PUNCT
easat-7791	246	31	jpp	jpp	PROPN
easat-7791	246	32	iptek	iptek	NOUN
easat-7791	246	33	(	(	PUNCT
easat-7791	246	34	jurnal	jurnal	ADJ
easat-7791	246	35	pengabdian	pengabdian	PROPN
easat-7791	246	36	dan	dan	PROPN
easat-7791	246	37	penerapan	penerapan	PROPN
easat-7791	246	38	iptek	iptek	PROPN
easat-7791	246	39	)	)	PUNCT
easat-7791	246	40	,	,	PUNCT
easat-7791	246	41	vol	vol	NOUN
easat-7791	246	42	.	.	PROPN
easat-7791	247	1	6	6	NUM
easat-7791	247	2	,	,	PUNCT
easat-7791	247	3	no	no	INTJ
easat-7791	247	4	.	.	NOUN
easat-7791	247	5	1	1	NUM
easat-7791	247	6	,	,	PUNCT
easat-7791	247	7	pp	pp	ADJ
easat-7791	247	8	.	.	PUNCT
easat-7791	248	1	71	71	NUM
easat-7791	248	2	-	-	SYM
easat-7791	248	3	78	78	NUM
easat-7791	248	4	,	,	PUNCT
easat-7791	248	5	2022	2022	NUM
easat-7791	248	6	.	.	PUNCT
easat-7791	249	1	[	[	X
easat-7791	249	2	4	4	X
easat-7791	249	3	]	]	PUNCT
easat-7791	249	4	p.	p.	NOUN
easat-7791	249	5	handayati	handayati	NOUN
easat-7791	249	6	and	and	CCONJ
easat-7791	249	7	n.	n.	PROPN
easat-7791	249	8	trisnawati	trisnawati	PROPN
easat-7791	249	9	,	,	PUNCT
easat-7791	249	10	"	"	PUNCT
easat-7791	249	11	the	the	DET
easat-7791	249	12	intention	intention	NOUN
easat-7791	249	13	to	to	PART
easat-7791	249	14	use	use	VERB
easat-7791	249	15	mobile	mobile	ADJ
easat-7791	249	16	payment	payment	NOUN
easat-7791	249	17	during	during	ADP
easat-7791	249	18	the	the	DET
easat-7791	249	19	covid-19	covid-19	PROPN
easat-7791	249	20	pandemic	pandemic	NOUN
easat-7791	249	21	:	:	PUNCT
easat-7791	249	22	the	the	DET
easat-7791	249	23	mediating	mediate	VERB
easat-7791	249	24	role	role	NOUN
easat-7791	249	25	of	of	ADP
easat-7791	249	26	attitude	attitude	NOUN
easat-7791	249	27	,	,	PUNCT
easat-7791	249	28	"	"	PUNCT
easat-7791	249	29	jurnal	jurnal	ADJ
easat-7791	249	30	pendidikan	pendidikan	PROPN
easat-7791	249	31	ekonomi	ekonomi	PROPN
easat-7791	249	32	dan	dan	PROPN
easat-7791	249	33	bisnis	bisnis	PROPN
easat-7791	249	34	vol	vol	NOUN
easat-7791	249	35	.	.	PROPN
easat-7791	249	36	11	11	NUM
easat-7791	249	37	,	,	PUNCT
easat-7791	249	38	no	no	INTJ
easat-7791	249	39	.	.	NOUN
easat-7791	249	40	01	01	NUM
easat-7791	249	41	,	,	PUNCT
easat-7791	249	42	pp	pp	ADJ
easat-7791	249	43	.	.	PUNCT
easat-7791	250	1	42	42	NUM
easat-7791	250	2	-	-	SYM
easat-7791	250	3	50	50	NUM
easat-7791	250	4	,	,	PUNCT
easat-7791	250	5	2023	2023	NUM
easat-7791	250	6	.	.	PUNCT
easat-7791	251	1	[	[	X
easat-7791	251	2	5	5	NUM
easat-7791	251	3	]	]	PUNCT
easat-7791	251	4	b.	b.	PROPN
easat-7791	251	5	alkhawaldeh	alkhawaldeh	PROPN
easat-7791	251	6	et	et	PROPN
easat-7791	251	7	al	al	PROPN
easat-7791	251	8	.	.	PROPN
easat-7791	251	9	,	,	PUNCT
easat-7791	251	10	"	"	PUNCT
easat-7791	251	11	the	the	DET
easat-7791	251	12	effect	effect	NOUN
easat-7791	251	13	of	of	ADP
easat-7791	251	14	financial	financial	ADJ
easat-7791	251	15	technology	technology	NOUN
easat-7791	251	16	on	on	ADP
easat-7791	251	17	financial	financial	ADJ
easat-7791	251	18	performance	performance	NOUN
easat-7791	251	19	in	in	ADP
easat-7791	251	20	jordanian	jordanian	ADJ
easat-7791	251	21	smes	sme	NOUN
easat-7791	251	22	:	:	PUNCT
easat-7791	251	23	the	the	DET
easat-7791	251	24	role	role	NOUN
easat-7791	251	25	of	of	ADP
easat-7791	251	26	financial	financial	ADJ
easat-7791	251	27	satisfaction	satisfaction	NOUN
easat-7791	251	28	,	,	PUNCT
easat-7791	251	29	"	"	PUNCT
easat-7791	251	30	uncertain	uncertain	ADJ
easat-7791	251	31	supply	supply	NOUN
easat-7791	251	32	chain	chain	NOUN
easat-7791	251	33	management	management	NOUN
easat-7791	251	34	,	,	PUNCT
easat-7791	251	35	vol	vol	NOUN
easat-7791	251	36	.	.	PROPN
easat-7791	251	37	11	11	NUM
easat-7791	251	38	,	,	PUNCT
easat-7791	251	39	no	no	INTJ
easat-7791	251	40	.	.	NOUN
easat-7791	251	41	3	3	NUM
easat-7791	251	42	,	,	PUNCT
easat-7791	251	43	pp	pp	ADJ
easat-7791	251	44	.	.	PUNCT
easat-7791	252	1	1019	1019	NUM
easat-7791	252	2	-	-	SYM
easat-7791	252	3	1030	1030	NUM
easat-7791	252	4	,	,	PUNCT
easat-7791	252	5	2023	2023	NUM
easat-7791	252	6	.	.	PUNCT
easat-7791	253	1	https://doi.org/10.5267/j.uscm.2023.4.020	https://doi.org/10.5267/j.uscm.2023.4.020	NOUN
easat-7791	253	2	[	[	X
easat-7791	253	3	6	6	NUM
easat-7791	253	4	]	]	PUNCT
easat-7791	253	5	c.	c.	PROPN
easat-7791	253	6	b.	b.	PROPN
easat-7791	253	7	lontchi	lontchi	PROPN
easat-7791	253	8	,	,	PUNCT
easat-7791	253	9	b.	b.	PROPN
easat-7791	253	10	yang	yang	PROPN
easat-7791	253	11	,	,	PUNCT
easat-7791	253	12	and	and	CCONJ
easat-7791	253	13	k.	k.	PROPN
easat-7791	253	14	m.	m.	PROPN
easat-7791	253	15	shuaib	shuaib	PROPN
easat-7791	253	16	,	,	PUNCT
easat-7791	253	17	"	"	PUNCT
easat-7791	253	18	effect	effect	NOUN
easat-7791	253	19	of	of	ADP
easat-7791	253	20	financial	financial	ADJ
easat-7791	253	21	technology	technology	NOUN
easat-7791	253	22	on	on	ADP
easat-7791	253	23	smes	sme	NOUN
easat-7791	253	24	performance	performance	NOUN
easat-7791	253	25	in	in	ADP
easat-7791	253	26	cameroon	cameroon	NOUN
easat-7791	253	27	amid	amid	ADP
easat-7791	253	28	covid-19	covid-19	PROPN
easat-7791	253	29	recovery	recovery	NOUN
easat-7791	253	30	:	:	PUNCT
easat-7791	253	31	the	the	DET
easat-7791	253	32	mediating	mediate	VERB
easat-7791	253	33	effect	effect	NOUN
easat-7791	253	34	of	of	ADP
easat-7791	253	35	financial	financial	ADJ
easat-7791	253	36	literacy	literacy	NOUN
easat-7791	253	37	,	,	PUNCT
easat-7791	253	38	"	"	PUNCT
easat-7791	253	39	sustainability	sustainability	NOUN
easat-7791	253	40	,	,	PUNCT
easat-7791	253	41	vol	vol	NOUN
easat-7791	253	42	.	.	PROPN
easat-7791	253	43	15	15	NUM
easat-7791	253	44	,	,	PUNCT
easat-7791	253	45	no	no	INTJ
easat-7791	253	46	.	.	NOUN
easat-7791	253	47	3	3	NUM
easat-7791	253	48	,	,	PUNCT
easat-7791	253	49	p.	p.	NOUN
easat-7791	253	50	2171	2171	NUM
easat-7791	253	51	,	,	PUNCT
easat-7791	253	52	2023	2023	NUM
easat-7791	253	53	.	.	PUNCT
easat-7791	254	1	https://doi.org/10.3390/su15032171	https://doi.org/10.3390/su15032171	X
easat-7791	255	1	[	[	X
easat-7791	255	2	7	7	X
easat-7791	255	3	]	]	X
easat-7791	255	4	d.	d.	PROPN
easat-7791	255	5	p.	p.	PROPN
easat-7791	255	6	nugraha	nugraha	PROPN
easat-7791	255	7	,	,	PUNCT
easat-7791	255	8	b.	b.	PROPN
easat-7791	255	9	setiawan	setiawan	PROPN
easat-7791	255	10	,	,	PUNCT
easat-7791	255	11	r.	r.	PROPN
easat-7791	255	12	j.	j.	PROPN
easat-7791	255	13	nathan	nathan	PROPN
easat-7791	255	14	,	,	PUNCT
easat-7791	255	15	and	and	CCONJ
easat-7791	255	16	m.	m.	PROPN
easat-7791	255	17	fekete	fekete	PROPN
easat-7791	255	18	-	-	PUNCT
easat-7791	255	19	farkas	farkas	PROPN
easat-7791	255	20	,	,	PUNCT
easat-7791	255	21	"	"	PUNCT
easat-7791	255	22	fintech	fintech	NOUN
easat-7791	255	23	adoption	adoption	NOUN
easat-7791	255	24	drivers	driver	NOUN
easat-7791	255	25	for	for	ADP
easat-7791	255	26	innovation	innovation	NOUN
easat-7791	255	27	for	for	ADP
easat-7791	255	28	smes	sme	NOUN
easat-7791	255	29	in	in	ADP
easat-7791	255	30	indonesia	indonesia	PROPN
easat-7791	255	31	,	,	PUNCT
easat-7791	255	32	"	"	PUNCT
easat-7791	255	33	journal	journal	NOUN
easat-7791	255	34	of	of	ADP
easat-7791	255	35	open	open	ADJ
easat-7791	255	36	innovation	innovation	NOUN
easat-7791	255	37	:	:	PUNCT
easat-7791	255	38	technology	technology	NOUN
easat-7791	255	39	,	,	PUNCT
easat-7791	255	40	market	market	NOUN
easat-7791	255	41	,	,	PUNCT
easat-7791	255	42	and	and	CCONJ
easat-7791	255	43	complexity	complexity	NOUN
easat-7791	255	44	,	,	PUNCT
easat-7791	255	45	vol	vol	NOUN
easat-7791	255	46	.	.	PROPN
easat-7791	255	47	8	8	NUM
easat-7791	255	48	,	,	PUNCT
easat-7791	255	49	no	no	INTJ
easat-7791	255	50	.	.	NOUN
easat-7791	255	51	4	4	NUM
easat-7791	255	52	,	,	PUNCT
easat-7791	255	53	p.	p.	NOUN
easat-7791	255	54	208	208	NUM
easat-7791	255	55	,	,	PUNCT
easat-7791	255	56	2022	2022	NUM
easat-7791	255	57	.	.	PUNCT
easat-7791	256	1	https://doi.org/10.3390/joitmc8040208	https://doi.org/10.3390/joitmc8040208	PROPN
easat-7791	257	1	[	[	X
easat-7791	257	2	8	8	NUM
easat-7791	257	3	]	]	X
easat-7791	257	4	d.	d.	PROPN
easat-7791	257	5	tantriana	tantriana	PROPN
easat-7791	257	6	,	,	PUNCT
easat-7791	257	7	h.	h.	PROPN
easat-7791	257	8	pratikto	pratikto	PROPN
easat-7791	257	9	,	,	PUNCT
easat-7791	257	10	p.	p.	NOUN
easat-7791	257	11	handayati	handayati	PROPN
easat-7791	257	12	,	,	PUNCT
easat-7791	257	13	and	and	CCONJ
easat-7791	257	14	c.	c.	PROPN
easat-7791	257	15	wardoyo	wardoyo	PROPN
easat-7791	257	16	,	,	PUNCT
easat-7791	257	17	"	"	PUNCT
easat-7791	257	18	are	be	AUX
easat-7791	257	19	indonesia	indonesia	PROPN
easat-7791	257	20	smes	sme	NOUN
easat-7791	257	21	interested	interested	ADJ
easat-7791	257	22	in	in	ADP
easat-7791	257	23	switching	switch	VERB
easat-7791	257	24	funding	funding	NOUN
easat-7791	257	25	to	to	ADP
easat-7791	257	26	sharia	sharia	PROPN
easat-7791	257	27	p2p	p2p	PROPN
easat-7791	257	28	lending	lending	NOUN
easat-7791	257	29	?	?	PUNCT
easat-7791	258	1	a	a	DET
easat-7791	258	2	push	push	NOUN
easat-7791	258	3	-	-	PUNCT
easat-7791	258	4	pull	pull	NOUN
easat-7791	258	5	-	-	PUNCT
easat-7791	258	6	mooring	mooring	NOUN
easat-7791	258	7	framework	framework	NOUN
easat-7791	258	8	,	,	PUNCT
easat-7791	258	9	"	"	PUNCT
easat-7791	258	10	journal	journal	NOUN
easat-7791	258	11	of	of	ADP
easat-7791	258	12	ecohumanism	ecohumanism	NOUN
easat-7791	258	13	,	,	PUNCT
easat-7791	258	14	vol	vol	NOUN
easat-7791	258	15	.	.	PROPN
easat-7791	258	16	3	3	NUM
easat-7791	258	17	,	,	PUNCT
easat-7791	258	18	no	no	INTJ
easat-7791	258	19	.	.	NOUN
easat-7791	258	20	8	8	NUM
easat-7791	258	21	,	,	PUNCT
easat-7791	258	22	pp	pp	ADJ
easat-7791	258	23	.	.	PUNCT
easat-7791	259	1	7205–7215	7205–7215	NUM
easat-7791	259	2	,	,	PUNCT
easat-7791	259	3	2024	2024	NUM
easat-7791	259	4	.	.	PUNCT
easat-7791	260	1	[	[	X
easat-7791	260	2	9	9	NUM
easat-7791	260	3	]	]	X
easat-7791	260	4	o.	o.	PROPN
easat-7791	260	5	c.	c.	PROPN
easat-7791	260	6	edo	edo	PROPN
easat-7791	260	7	et	et	PROPN
easat-7791	260	8	al	al	PROPN
easat-7791	260	9	.	.	PROPN
easat-7791	260	10	,	,	PUNCT
easat-7791	260	11	"	"	PUNCT
easat-7791	260	12	fintech	fintech	NOUN
easat-7791	260	13	adoption	adoption	NOUN
easat-7791	260	14	dynamics	dynamic	NOUN
easat-7791	260	15	in	in	ADP
easat-7791	260	16	a	a	DET
easat-7791	260	17	pandemic	pandemic	NOUN
easat-7791	260	18	:	:	PUNCT
easat-7791	260	19	an	an	DET
easat-7791	260	20	experience	experience	NOUN
easat-7791	260	21	from	from	ADP
easat-7791	260	22	some	some	DET
easat-7791	260	23	financial	financial	ADJ
easat-7791	260	24	institutions	institution	NOUN
easat-7791	260	25	in	in	ADP
easat-7791	260	26	nigeria	nigeria	PROPN
easat-7791	260	27	during	during	ADP
easat-7791	260	28	covid-19	covid-19	PROPN
easat-7791	260	29	using	use	VERB
easat-7791	260	30	machine	machine	NOUN
easat-7791	260	31	learning	learning	NOUN
easat-7791	260	32	approach	approach	NOUN
easat-7791	260	33	,	,	PUNCT
easat-7791	260	34	"	"	PUNCT
easat-7791	260	35	cogent	cogent	NOUN
easat-7791	260	36	business	business	NOUN
easat-7791	260	37	&	&	CCONJ
easat-7791	260	38	management	management	PROPN
easat-7791	260	39	,	,	PUNCT
easat-7791	260	40	vol	vol	NOUN
easat-7791	260	41	.	.	PROPN
easat-7791	261	1	10	10	NUM
easat-7791	261	2	,	,	PUNCT
easat-7791	261	3	no	no	INTJ
easat-7791	261	4	.	.	NOUN
easat-7791	261	5	2	2	NUM
easat-7791	261	6	,	,	PUNCT
easat-7791	261	7	p.	p.	NOUN
easat-7791	261	8	2242985	2242985	NUM
easat-7791	261	9	,	,	PUNCT
easat-7791	261	10	2023	2023	NUM
easat-7791	261	11	.	.	PUNCT
easat-7791	262	1	https://doi.org/10.1080/23311975.2023.2242985	https://doi.org/10.1080/23311975.2023.2242985	X
easat-7791	263	1	[	[	X
easat-7791	263	2	10	10	NUM
easat-7791	263	3	]	]	X
easat-7791	263	4	s.	s.	PROPN
easat-7791	263	5	singh	singh	PROPN
easat-7791	263	6	,	,	PUNCT
easat-7791	263	7	m.	m.	NOUN
easat-7791	263	8	m.	m.	PROPN
easat-7791	263	9	sahni	sahni	PROPN
easat-7791	263	10	,	,	PUNCT
easat-7791	263	11	and	and	CCONJ
easat-7791	263	12	r.	r.	PROPN
easat-7791	263	13	k.	k.	PROPN
easat-7791	263	14	kovid	kovid	PROPN
easat-7791	263	15	,	,	PUNCT
easat-7791	263	16	"	"	PUNCT
easat-7791	263	17	what	what	PRON
easat-7791	263	18	drives	drive	VERB
easat-7791	263	19	fintech	fintech	NOUN
easat-7791	263	20	adoption	adoption	NOUN
easat-7791	263	21	?	?	PUNCT
easat-7791	264	1	a	a	DET
easat-7791	264	2	multi	multi	ADJ
easat-7791	264	3	-	-	ADJ
easat-7791	264	4	method	method	ADJ
easat-7791	264	5	evaluation	evaluation	NOUN
easat-7791	264	6	using	use	VERB
easat-7791	264	7	an	an	DET
easat-7791	264	8	adapted	adapt	VERB
easat-7791	264	9	technology	technology	NOUN
easat-7791	264	10	acceptance	acceptance	NOUN
easat-7791	264	11	model	model	NOUN
easat-7791	264	12	,	,	PUNCT
easat-7791	264	13	"	"	PUNCT
easat-7791	264	14	management	management	NOUN
easat-7791	264	15	decision	decision	NOUN
easat-7791	264	16	,	,	PUNCT
easat-7791	264	17	vol	vol	NOUN
easat-7791	264	18	.	.	PROPN
easat-7791	265	1	58	58	NUM
easat-7791	265	2	,	,	PUNCT
easat-7791	265	3	no	no	INTJ
easat-7791	265	4	.	.	NOUN
easat-7791	265	5	8	8	NUM
easat-7791	265	6	,	,	PUNCT
easat-7791	265	7	pp	pp	ADJ
easat-7791	265	8	.	.	PUNCT
easat-7791	266	1	1675	1675	NUM
easat-7791	266	2	-	-	SYM
easat-7791	266	3	1697	1697	NUM
easat-7791	266	4	,	,	PUNCT
easat-7791	266	5	2020	2020	NUM
easat-7791	266	6	.	.	PUNCT
easat-7791	267	1	https://doi.org/10.1108/md-09-2019-1318	https://doi.org/10.1108/md-09-2019-1318	PUNCT
easat-7791	268	1	[	[	X
easat-7791	268	2	11	11	NUM
easat-7791	268	3	]	]	X
easat-7791	268	4	i.	i.	PROPN
easat-7791	268	5	r.	r.	PROPN
easat-7791	268	6	candraningrat	candraningrat	PROPN
easat-7791	268	7	,	,	PUNCT
easat-7791	268	8	n.	n.	PROPN
easat-7791	268	9	abundanti	abundanti	PROPN
easat-7791	268	10	,	,	PUNCT
easat-7791	268	11	n.	n.	PROPN
easat-7791	268	12	w.	w.	PROPN
easat-7791	268	13	mujiati	mujiati	PROPN
easat-7791	268	14	,	,	PUNCT
easat-7791	268	15	r.	r.	PROPN
easat-7791	268	16	erlangga	erlangga	PROPN
easat-7791	268	17	,	,	PUNCT
easat-7791	268	18	and	and	CCONJ
easat-7791	268	19	i.	i.	PROPN
easat-7791	268	20	m.	m.	PROPN
easat-7791	268	21	g.	g.	PROPN
easat-7791	268	22	jhuniantara	jhuniantara	PROPN
easat-7791	268	23	,	,	PUNCT
easat-7791	268	24	"	"	PUNCT
easat-7791	268	25	the	the	DET
easat-7791	268	26	role	role	NOUN
easat-7791	268	27	of	of	ADP
easat-7791	268	28	financial	financial	ADJ
easat-7791	268	29	technology	technology	NOUN
easat-7791	268	30	on	on	ADP
easat-7791	268	31	development	development	NOUN
easat-7791	268	32	of	of	ADP
easat-7791	268	33	msmes	msme	NOUN
easat-7791	268	34	,	,	PUNCT
easat-7791	268	35	"	"	PUNCT
easat-7791	268	36	accounting	accounting	NOUN
easat-7791	268	37	,	,	PUNCT
easat-7791	268	38	vol	vol	NOUN
easat-7791	268	39	.	.	PROPN
easat-7791	268	40	7	7	NUM
easat-7791	268	41	,	,	PUNCT
easat-7791	268	42	no	no	INTJ
easat-7791	268	43	.	.	NOUN
easat-7791	268	44	1	1	NUM
easat-7791	268	45	,	,	PUNCT
easat-7791	268	46	pp	pp	ADJ
easat-7791	268	47	.	.	PUNCT
easat-7791	268	48	225	225	NUM
easat-7791	268	49	-	-	SYM
easat-7791	268	50	230	230	NUM
easat-7791	268	51	,	,	PUNCT
easat-7791	268	52	2021	2021	NUM
easat-7791	268	53	.	.	PUNCT
easat-7791	269	1	https://doi.org/10.5267/j.ac.2020.9.014	https://doi.org/10.5267/j.ac.2020.9.014	PROPN
easat-7791	270	1	[	[	X
easat-7791	270	2	12	12	NUM
easat-7791	270	3	]	]	X
easat-7791	270	4	r.	r.	PROPN
easat-7791	270	5	m.	m.	PROPN
easat-7791	270	6	dai	dai	PROPN
easat-7791	270	7	,	,	PUNCT
easat-7791	270	8	"	"	PUNCT
easat-7791	270	9	fintech	fintech	NOUN
easat-7791	270	10	as	as	ADP
easat-7791	270	11	a	a	DET
easat-7791	270	12	catalyst	catalyst	NOUN
easat-7791	270	13	for	for	ADP
easat-7791	270	14	growth	growth	NOUN
easat-7791	270	15	of	of	ADP
easat-7791	270	16	micro	micro	NOUN
easat-7791	270	17	,	,	PUNCT
easat-7791	270	18	small	small	ADJ
easat-7791	270	19	and	and	CCONJ
easat-7791	270	20	medium	medium	ADJ
easat-7791	270	21	enterprises	enterprise	NOUN
easat-7791	270	22	in	in	ADP
easat-7791	270	23	indonesia	indonesia	PROPN
easat-7791	270	24	,	,	PUNCT
easat-7791	270	25	"	"	PUNCT
easat-7791	270	26	academy	academy	NOUN
easat-7791	270	27	of	of	ADP
easat-7791	270	28	strategic	strategic	ADJ
easat-7791	270	29	management	management	NOUN
easat-7791	270	30	journal	journal	NOUN
easat-7791	270	31	,	,	PUNCT
easat-7791	270	32	vol	vol	NOUN
easat-7791	270	33	.	.	PROPN
easat-7791	270	34	19	19	NUM
easat-7791	270	35	,	,	PUNCT
easat-7791	270	36	no	no	INTJ
easat-7791	270	37	.	.	NOUN
easat-7791	270	38	5	5	NUM
easat-7791	270	39	,	,	PUNCT
easat-7791	270	40	pp	pp	ADJ
easat-7791	270	41	.	.	PUNCT
easat-7791	271	1	1	1	NUM
easat-7791	271	2	-	-	SYM
easat-7791	271	3	12	12	NUM
easat-7791	271	4	,	,	PUNCT
easat-7791	271	5	2020	2020	NUM
easat-7791	271	6	.	.	PUNCT
easat-7791	272	1	[	[	X
easat-7791	272	2	13	13	NUM
easat-7791	272	3	]	]	X
easat-7791	272	4	d.	d.	PROPN
easat-7791	272	5	chawla	chawla	PROPN
easat-7791	272	6	and	and	CCONJ
easat-7791	272	7	h.	h.	PROPN
easat-7791	272	8	joshi	joshi	PROPN
easat-7791	272	9	,	,	PUNCT
easat-7791	272	10	"	"	PUNCT
easat-7791	272	11	role	role	NOUN
easat-7791	272	12	of	of	ADP
easat-7791	272	13	mediator	mediator	NOUN
easat-7791	272	14	in	in	ADP
easat-7791	272	15	examining	examine	VERB
easat-7791	272	16	the	the	DET
easat-7791	272	17	influence	influence	NOUN
easat-7791	272	18	of	of	ADP
easat-7791	272	19	antecedents	antecedent	NOUN
easat-7791	272	20	of	of	ADP
easat-7791	272	21	mobile	mobile	ADJ
easat-7791	272	22	wallet	wallet	NOUN
easat-7791	272	23	adoption	adoption	NOUN
easat-7791	272	24	on	on	ADP
easat-7791	272	25	attitude	attitude	NOUN
easat-7791	272	26	and	and	CCONJ
easat-7791	272	27	intention	intention	NOUN
easat-7791	272	28	,	,	PUNCT
easat-7791	272	29	"	"	PUNCT
easat-7791	272	30	global	global	ADJ
easat-7791	272	31	business	business	NOUN
easat-7791	272	32	review	review	PROPN
easat-7791	272	33	,	,	PUNCT
easat-7791	272	34	vol	vol	NOUN
easat-7791	272	35	.	.	PROPN
easat-7791	272	36	24	24	NUM
easat-7791	272	37	,	,	PUNCT
easat-7791	272	38	no	no	INTJ
easat-7791	272	39	.	.	NOUN
easat-7791	272	40	4	4	NUM
easat-7791	272	41	,	,	PUNCT
easat-7791	272	42	pp	pp	ADJ
easat-7791	272	43	.	.	PUNCT
easat-7791	273	1	609	609	NUM
easat-7791	273	2	-	-	SYM
easat-7791	273	3	625	625	NUM
easat-7791	273	4	,	,	PUNCT
easat-7791	273	5	2023	2023	NUM
easat-7791	273	6	.	.	PUNCT
easat-7791	274	1	https://doi.org/10.1177/0972150920924506	https://doi.org/10.1177/0972150920924506	NOUN
easat-7791	275	1	[	[	X
easat-7791	275	2	14	14	NUM
easat-7791	275	3	]	]	X
easat-7791	275	4	c.-c	c.-c	PROPN
easat-7791	275	5	.	.	PUNCT
easat-7791	276	1	yang	yang	PROPN
easat-7791	276	2	,	,	PUNCT
easat-7791	276	3	s.-y	s.-y	PROPN
easat-7791	276	4	.	.	PUNCT
easat-7791	277	1	yang	yang	PROPN
easat-7791	277	2	,	,	PUNCT
easat-7791	277	3	and	and	CCONJ
easat-7791	277	4	y.-c	y.-c	PROPN
easat-7791	277	5	.	.	PUNCT
easat-7791	278	1	chang	chang	PROPN
easat-7791	278	2	,	,	PUNCT
easat-7791	278	3	"	"	PUNCT
easat-7791	278	4	predicting	predict	VERB
easat-7791	278	5	older	old	ADJ
easat-7791	278	6	adults	adult	NOUN
easat-7791	278	7	’	'	PUNCT
easat-7791	278	8	mobile	mobile	ADJ
easat-7791	278	9	payment	payment	NOUN
easat-7791	278	10	adoption	adoption	NOUN
easat-7791	278	11	:	:	PUNCT
easat-7791	278	12	an	an	DET
easat-7791	278	13	extended	extended	ADJ
easat-7791	278	14	tam	tam	NOUN
easat-7791	278	15	model	model	NOUN
easat-7791	278	16	,	,	PUNCT
easat-7791	278	17	"	"	PUNCT
easat-7791	278	18	international	international	ADJ
easat-7791	278	19	journal	journal	NOUN
easat-7791	278	20	of	of	ADP
easat-7791	278	21	environmental	environmental	ADJ
easat-7791	278	22	research	research	NOUN
easat-7791	278	23	and	and	CCONJ
easat-7791	278	24	public	public	ADJ
easat-7791	278	25	health	health	NOUN
easat-7791	278	26	,	,	PUNCT
easat-7791	278	27	vol	vol	NOUN
easat-7791	278	28	.	.	PROPN
easat-7791	278	29	20	20	NUM
easat-7791	278	30	,	,	PUNCT
easat-7791	278	31	no	no	INTJ
easat-7791	278	32	.	.	NOUN
easat-7791	278	33	2	2	NUM
easat-7791	278	34	,	,	PUNCT
easat-7791	278	35	p.	p.	NOUN
easat-7791	278	36	1391	1391	NUM
easat-7791	278	37	,	,	PUNCT
easat-7791	278	38	2023	2023	NUM
easat-7791	278	39	.	.	PUNCT
easat-7791	279	1	https://doi.org/10.3390/ijerph20021391	https://doi.org/10.3390/ijerph20021391	PROPN
easat-7791	279	2	[	[	X
easat-7791	279	3	15	15	NUM
easat-7791	279	4	]	]	PUNCT
easat-7791	279	5	k.	k.	PROPN
easat-7791	279	6	e.	e.	PROPN
easat-7791	279	7	cahyono	cahyono	PROPN
easat-7791	279	8	,	,	PUNCT
easat-7791	279	9	e.	e.	PROPN
easat-7791	279	10	t.	t.	PROPN
easat-7791	279	11	djatmika	djatmika	PROPN
easat-7791	279	12	,	,	PUNCT
easat-7791	279	13	and	and	CCONJ
easat-7791	279	14	p.	p.	NOUN
easat-7791	279	15	handayati	handayati	PROPN
easat-7791	279	16	,	,	PUNCT
easat-7791	279	17	"	"	PUNCT
easat-7791	279	18	the	the	DET
easat-7791	279	19	factors	factor	NOUN
easat-7791	279	20	that	that	PRON
easat-7791	279	21	influence	influence	VERB
easat-7791	279	22	online	online	ADJ
easat-7791	279	23	buying	buying	NOUN
easat-7791	279	24	using	use	VERB
easat-7791	279	25	the	the	DET
easat-7791	279	26	technology	technology	NOUN
easat-7791	279	27	acceptance	acceptance	NOUN
easat-7791	279	28	model	model	NOUN
easat-7791	279	29	approach	approach	NOUN
easat-7791	279	30	,	,	PUNCT
easat-7791	279	31	"	"	PUNCT
easat-7791	279	32	quality	quality	NOUN
easat-7791	279	33	-	-	PUNCT
easat-7791	279	34	access	access	NOUN
easat-7791	279	35	to	to	ADP
easat-7791	279	36	success	success	NOUN
easat-7791	279	37	,	,	PUNCT
easat-7791	279	38	vol	vol	NOUN
easat-7791	279	39	.	.	PROPN
easat-7791	279	40	25	25	NUM
easat-7791	279	41	,	,	PUNCT
easat-7791	279	42	no	no	INTJ
easat-7791	279	43	.	.	NOUN
easat-7791	279	44	198	198	NUM
easat-7791	279	45	,	,	PUNCT
easat-7791	279	46	pp	pp	ADJ
easat-7791	279	47	.	.	PUNCT
easat-7791	280	1	391–399	391–399	NUM
easat-7791	280	2	,	,	PUNCT
easat-7791	280	3	2024	2024	NUM
easat-7791	280	4	.	.	PUNCT
easat-7791	281	1	https://doi.org/10.47750/qas/25.198.41	https://doi.org/10.47750/qas/25.198.41	NOUN
easat-7791	282	1	[	[	X
easat-7791	282	2	16	16	NUM
easat-7791	282	3	]	]	X
easat-7791	282	4	f.	f.	PROPN
easat-7791	282	5	d.	d.	PROPN
easat-7791	282	6	davis	davis	PROPN
easat-7791	282	7	,	,	PUNCT
easat-7791	282	8	"	"	PUNCT
easat-7791	282	9	perceived	perceive	VERB
easat-7791	282	10	usefulness	usefulness	NOUN
easat-7791	282	11	,	,	PUNCT
easat-7791	282	12	perceived	perceive	VERB
easat-7791	282	13	ease	ease	NOUN
easat-7791	282	14	of	of	ADP
easat-7791	282	15	use	use	NOUN
easat-7791	282	16	,	,	PUNCT
easat-7791	282	17	and	and	CCONJ
easat-7791	282	18	user	user	NOUN
easat-7791	282	19	acceptance	acceptance	NOUN
easat-7791	282	20	of	of	ADP
easat-7791	282	21	information	information	NOUN
easat-7791	282	22	technology	technology	NOUN
easat-7791	282	23	,	,	PUNCT
easat-7791	282	24	"	"	PUNCT
easat-7791	282	25	mis	mis	PROPN
easat-7791	282	26	quarterly	quarterly	ADJ
easat-7791	282	27	,	,	PUNCT
easat-7791	282	28	vol	vol	NOUN
easat-7791	282	29	.	.	PROPN
easat-7791	282	30	13	13	NUM
easat-7791	282	31	,	,	PUNCT
easat-7791	282	32	no	no	INTJ
easat-7791	282	33	.	.	NOUN
easat-7791	282	34	3	3	NUM
easat-7791	282	35	,	,	PUNCT
easat-7791	282	36	pp	pp	ADJ
easat-7791	282	37	.	.	PUNCT
easat-7791	283	1	319	319	NUM
easat-7791	283	2	-	-	SYM
easat-7791	283	3	340	340	NUM
easat-7791	283	4	,	,	PUNCT
easat-7791	283	5	1989	1989	NUM
easat-7791	283	6	.	.	PUNCT
easat-7791	284	1	https://doi.org/10.2307/249008	https://doi.org/10.2307/249008	X
easat-7791	285	1	[	[	X
easat-7791	285	2	17	17	NUM
easat-7791	285	3	]	]	PUNCT
easat-7791	285	4	m.	m.	NOUN
easat-7791	285	5	s.	s.	PROPN
easat-7791	285	6	rosli	rosli	VERB
easat-7791	285	7	,	,	PUNCT
easat-7791	285	8	n.	n.	PROPN
easat-7791	285	9	s.	s.	PROPN
easat-7791	285	10	saleh	saleh	PROPN
easat-7791	285	11	,	,	PUNCT
easat-7791	285	12	a.	a.	PROPN
easat-7791	285	13	md	md	PROPN
easat-7791	285	14	.	.	PROPN
easat-7791	285	15	ali	ali	PROPN
easat-7791	285	16	,	,	PUNCT
easat-7791	285	17	and	and	CCONJ
easat-7791	285	18	s.	s.	PROPN
easat-7791	285	19	abu	abu	PROPN
easat-7791	285	20	bakar	bakar	PROPN
easat-7791	285	21	,	,	PUNCT
easat-7791	285	22	"	"	PUNCT
easat-7791	285	23	factors	factor	NOUN
easat-7791	285	24	determining	determine	VERB
easat-7791	285	25	the	the	DET
easat-7791	285	26	acceptance	acceptance	NOUN
easat-7791	285	27	of	of	ADP
easat-7791	285	28	e	e	NOUN
easat-7791	285	29	-	-	NOUN
easat-7791	285	30	wallet	wallet	NOUN
easat-7791	285	31	among	among	ADP
easat-7791	285	32	gen	gen	PROPN
easat-7791	285	33	z	z	PROPN
easat-7791	285	34	from	from	ADP
easat-7791	285	35	the	the	DET
easat-7791	285	36	lens	lens	NOUN
easat-7791	285	37	of	of	ADP
easat-7791	285	38	the	the	DET
easat-7791	285	39	extended	extend	VERB
easat-7791	285	40	technology	technology	NOUN
easat-7791	285	41	acceptance	acceptance	NOUN
easat-7791	285	42	model	model	NOUN
easat-7791	285	43	,	,	PUNCT
easat-7791	285	44	"	"	PUNCT
easat-7791	285	45	sustainability	sustainability	NOUN
easat-7791	285	46	,	,	PUNCT
easat-7791	285	47	vol	vol	NOUN
easat-7791	285	48	.	.	PROPN
easat-7791	285	49	15	15	NUM
easat-7791	285	50	,	,	PUNCT
easat-7791	285	51	no	no	INTJ
easat-7791	285	52	.	.	NOUN
easat-7791	285	53	7	7	NUM
easat-7791	285	54	,	,	PUNCT
easat-7791	285	55	p.	p.	NOUN
easat-7791	285	56	5752	5752	NUM
easat-7791	285	57	,	,	PUNCT
easat-7791	285	58	2023	2023	NUM
easat-7791	285	59	.	.	PUNCT
easat-7791	286	1	https://doi.org/10.3390/su15075752	https://doi.org/10.3390/su15075752	PROPN
easat-7791	286	2	[	[	X
easat-7791	286	3	18	18	NUM
easat-7791	286	4	]	]	PUNCT
easat-7791	286	5	b.	b.	PROPN
easat-7791	286	6	setiawan	setiawan	PROPN
easat-7791	286	7	,	,	PUNCT
easat-7791	286	8	d.	d.	PROPN
easat-7791	286	9	p.	p.	PROPN
easat-7791	286	10	nugraha	nugraha	PROPN
easat-7791	286	11	,	,	PUNCT
easat-7791	286	12	a.	a.	PROPN
easat-7791	286	13	irawan	irawan	PROPN
easat-7791	286	14	,	,	PUNCT
easat-7791	286	15	r.	r.	PROPN
easat-7791	286	16	j.	j.	PROPN
easat-7791	286	17	nathan	nathan	PROPN
easat-7791	286	18	,	,	PUNCT
easat-7791	286	19	and	and	CCONJ
easat-7791	286	20	z.	z.	PROPN
easat-7791	286	21	zoltan	zoltan	PROPN
easat-7791	286	22	,	,	PUNCT
easat-7791	286	23	"	"	PUNCT
easat-7791	286	24	user	user	NOUN
easat-7791	286	25	innovativeness	innovativeness	NOUN
easat-7791	286	26	and	and	CCONJ
easat-7791	286	27	fintech	fintech	NOUN
easat-7791	286	28	adoption	adoption	NOUN
easat-7791	286	29	in	in	ADP
easat-7791	286	30	indonesia	indonesia	PROPN
easat-7791	286	31	,	,	PUNCT
easat-7791	286	32	"	"	PUNCT
easat-7791	286	33	journal	journal	NOUN
easat-7791	286	34	of	of	ADP
easat-7791	286	35	open	open	ADJ
easat-7791	286	36	innovation	innovation	NOUN
easat-7791	286	37	:	:	PUNCT
easat-7791	286	38	technology	technology	NOUN
easat-7791	286	39	,	,	PUNCT
easat-7791	286	40	market	market	NOUN
easat-7791	286	41	,	,	PUNCT
easat-7791	286	42	and	and	CCONJ
easat-7791	286	43	complexity	complexity	NOUN
easat-7791	286	44	,	,	PUNCT
easat-7791	286	45	vol	vol	NOUN
easat-7791	286	46	.	.	PROPN
easat-7791	286	47	7	7	NUM
easat-7791	286	48	,	,	PUNCT
easat-7791	286	49	no	no	INTJ
easat-7791	286	50	.	.	NOUN
easat-7791	286	51	3	3	NUM
easat-7791	286	52	,	,	PUNCT
easat-7791	286	53	p.	p.	NOUN
easat-7791	286	54	188	188	NUM
easat-7791	286	55	,	,	PUNCT
easat-7791	286	56	2021	2021	NUM
easat-7791	286	57	.	.	PUNCT
easat-7791	287	1	https://doi.org/10.3390/joitmc7030188	https://doi.org/10.3390/joitmc7030188	VERB
easat-7791	287	2	[	[	X
easat-7791	287	3	19	19	NUM
easat-7791	287	4	]	]	PUNCT
easat-7791	287	5	z.	z.	PROPN
easat-7791	287	6	hu	hu	PROPN
easat-7791	287	7	,	,	PUNCT
easat-7791	287	8	s.	s.	PROPN
easat-7791	287	9	ding	ding	PROPN
easat-7791	287	10	,	,	PUNCT
easat-7791	287	11	s.	s.	PROPN
easat-7791	287	12	li	li	PROPN
easat-7791	287	13	,	,	PUNCT
easat-7791	287	14	l.	l.	PROPN
easat-7791	287	15	chen	chen	PROPN
easat-7791	287	16	,	,	PUNCT
easat-7791	287	17	and	and	CCONJ
easat-7791	287	18	s.	s.	PROPN
easat-7791	287	19	yang	yang	PROPN
easat-7791	287	20	,	,	PUNCT
easat-7791	287	21	"	"	PUNCT
easat-7791	287	22	adoption	adoption	NOUN
easat-7791	287	23	intention	intention	NOUN
easat-7791	287	24	of	of	ADP
easat-7791	287	25	fintech	fintech	NOUN
easat-7791	287	26	services	service	NOUN
easat-7791	287	27	for	for	ADP
easat-7791	287	28	bank	bank	NOUN
easat-7791	287	29	users	user	NOUN
easat-7791	287	30	:	:	PUNCT
easat-7791	287	31	an	an	DET
easat-7791	287	32	empirical	empirical	ADJ
easat-7791	287	33	examination	examination	NOUN
easat-7791	287	34	with	with	ADP
easat-7791	287	35	an	an	DET
easat-7791	287	36	extended	extend	VERB
easat-7791	287	37	technology	technology	NOUN
easat-7791	287	38	acceptance	acceptance	NOUN
easat-7791	287	39	model	model	NOUN
easat-7791	287	40	,	,	PUNCT
easat-7791	287	41	"	"	PUNCT
easat-7791	287	42	symmetry	symmetry	NOUN
easat-7791	287	43	,	,	PUNCT
easat-7791	287	44	vol	vol	NOUN
easat-7791	287	45	.	.	PROPN
easat-7791	287	46	11	11	NUM
easat-7791	287	47	,	,	PUNCT
easat-7791	287	48	no	no	INTJ
easat-7791	287	49	.	.	NOUN
easat-7791	287	50	3	3	NUM
easat-7791	287	51	,	,	PUNCT
easat-7791	287	52	p.	p.	NOUN
easat-7791	287	53	340	340	NUM
easat-7791	287	54	,	,	PUNCT
easat-7791	287	55	2019	2019	NUM
easat-7791	287	56	.	.	PUNCT
easat-7791	288	1	https://doi.org/10.3390/sym11030340	https://doi.org/10.3390/sym11030340	NUM
easat-7791	289	1	[	[	X
easat-7791	289	2	20	20	NUM
easat-7791	289	3	]	]	PUNCT
easat-7791	289	4	k.	k.	PROPN
easat-7791	289	5	natakusumah	natakusumah	PROPN
easat-7791	289	6	,	,	PUNCT
easat-7791	289	7	e.	e.	PROPN
easat-7791	289	8	maulina	maulina	PROPN
easat-7791	289	9	,	,	PUNCT
easat-7791	289	10	a.	a.	NOUN
easat-7791	289	11	muftiadi	muftiadi	NOUN
easat-7791	289	12	,	,	PUNCT
easat-7791	289	13	and	and	CCONJ
easat-7791	289	14	m.	m.	NOUN
easat-7791	289	15	purnomo	purnomo	NOUN
easat-7791	289	16	,	,	PUNCT
easat-7791	289	17	"	"	PUNCT
easat-7791	289	18	integrating	integrate	VERB
easat-7791	289	19	religiosity	religiosity	NOUN
easat-7791	289	20	into	into	ADP
easat-7791	289	21	a	a	DET
easat-7791	289	22	technology	technology	NOUN
easat-7791	289	23	acceptance	acceptance	NOUN
easat-7791	289	24	model	model	NOUN
easat-7791	289	25	for	for	ADP
easat-7791	289	26	the	the	DET
easat-7791	289	27	adoption	adoption	NOUN
easat-7791	289	28	of	of	ADP
easat-7791	289	29	mobile	mobile	ADJ
easat-7791	289	30	payment	payment	NOUN
easat-7791	289	31	technology	technology	NOUN
easat-7791	289	32	,	,	PUNCT
easat-7791	289	33	"	"	PUNCT
easat-7791	289	34	international	international	ADJ
easat-7791	289	35	journal	journal	NOUN
easat-7791	289	36	of	of	ADP
easat-7791	289	37	data	data	PROPN
easat-7791	289	38	&	&	CCONJ
easat-7791	289	39	network	network	PROPN
easat-7791	289	40	science	science	PROPN
easat-7791	289	41	,	,	PUNCT
easat-7791	289	42	vol	vol	NOUN
easat-7791	289	43	.	.	PROPN
easat-7791	289	44	7	7	NUM
easat-7791	289	45	,	,	PUNCT
easat-7791	289	46	no	no	INTJ
easat-7791	289	47	.	.	NOUN
easat-7791	289	48	1	1	NUM
easat-7791	289	49	,	,	PUNCT
easat-7791	289	50	pp	pp	ADJ
easat-7791	289	51	.	.	PUNCT
easat-7791	290	1	305–312	305–312	NUM
easat-7791	290	2	,	,	PUNCT
easat-7791	290	3	2023	2023	NUM
easat-7791	290	4	.	.	PUNCT
easat-7791	291	1	https://doi.org/10.5267/j.ijdns.2022.10.003	https://doi.org/10.5267/j.ijdns.2022.10.003	PROPN
easat-7791	291	2	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-7791	291	3	https://doi.org/10.5267/j.uscm.2023.4.020	https://doi.org/10.5267/j.uscm.2023.4.020	PROPN
easat-7791	291	4	https://doi.org/10.3390/su15032171	https://doi.org/10.3390/su15032171	VERB
easat-7791	291	5	https://doi.org/10.3390/joitmc8040208	https://doi.org/10.3390/joitmc8040208	PROPN
easat-7791	291	6	https://doi.org/10.1080/23311975.2023.2242985	https://doi.org/10.1080/23311975.2023.2242985	X
easat-7791	292	1	https://doi.org/10.1108/md-09-2019-1318	https://doi.org/10.1108/md-09-2019-1318	X
easat-7791	292	2	https://doi.org/10.5267/j.ac.2020.9.014	https://doi.org/10.5267/j.ac.2020.9.014	PROPN
easat-7791	292	3	https://doi.org/10.1177/0972150920924506	https://doi.org/10.1177/0972150920924506	NOUN
easat-7791	292	4	https://doi.org/10.3390/ijerph20021391	https://doi.org/10.3390/ijerph20021391	ADJ
easat-7791	292	5	https://doi.org/10.47750/qas/25.198.41	https://doi.org/10.47750/qas/25.198.41	X
easat-7791	292	6	https://doi.org/10.2307/249008	https://doi.org/10.2307/249008	NOUN
easat-7791	292	7	https://doi.org/10.3390/su15075752	https://doi.org/10.3390/su15075752	NOUN
easat-7791	292	8	https://doi.org/10.3390/joitmc7030188	https://doi.org/10.3390/joitmc7030188	VERB
easat-7791	292	9	https://doi.org/10.3390/sym11030340	https://doi.org/10.3390/sym11030340	NUM
easat-7791	292	10	https://doi.org/10.5267/j.ijdns.2022.10.003	https://doi.org/10.5267/j.ijdns.2022.10.003	NOUN
easat-7791	292	11	252	252	NUM
easat-7791	292	12	edelweiss	edelweiss	PROPN
easat-7791	292	13	applied	apply	VERB
easat-7791	292	14	science	science	NOUN
easat-7791	292	15	and	and	CCONJ
easat-7791	292	16	technology	technology	NOUN
easat-7791	292	17	issn	issn	PROPN
easat-7791	292	18	:	:	PUNCT
easat-7791	292	19	2576	2576	NUM
easat-7791	292	20	-	-	SYM
easat-7791	292	21	8484	8484	NUM
easat-7791	292	22	vol	vol	NOUN
easat-7791	292	23	.	.	PROPN
easat-7791	293	1	9	9	NUM
easat-7791	293	2	,	,	PUNCT
easat-7791	293	3	no	no	INTJ
easat-7791	293	4	.	.	NOUN
easat-7791	294	1	6	6	NUM
easat-7791	294	2	:	:	SYM
easat-7791	294	3	242	242	NUM
easat-7791	294	4	-	-	SYM
easat-7791	294	5	252	252	NUM
easat-7791	294	6	,	,	PUNCT
easat-7791	294	7	2025	2025	NUM
easat-7791	294	8	doi	doi	NOUN
easat-7791	294	9	:	:	PUNCT
easat-7791	294	10	10.55214/25768484.v9i6.7791	10.55214/25768484.v9i6.7791	NUM
easat-7791	294	11	©	©	PROPN
easat-7791	294	12	2025	2025	NUM
easat-7791	294	13	by	by	ADP
easat-7791	294	14	the	the	DET
easat-7791	294	15	authors	author	NOUN
easat-7791	294	16	;	;	PUNCT
easat-7791	294	17	licensee	licensee	PROPN
easat-7791	294	18	learning	learning	NOUN
easat-7791	294	19	gate	gate	NOUN
easat-7791	295	1	[	[	X
easat-7791	295	2	21	21	NUM
easat-7791	295	3	]	]	PUNCT
easat-7791	295	4	a.	a.	NOUN
easat-7791	295	5	riskinanto	riskinanto	PROPN
easat-7791	295	6	,	,	PUNCT
easat-7791	295	7	b.	b.	PROPN
easat-7791	295	8	kelana	kelana	PROPN
easat-7791	295	9	,	,	PUNCT
easat-7791	295	10	and	and	CCONJ
easat-7791	295	11	d.	d.	PROPN
easat-7791	295	12	r.	r.	PROPN
easat-7791	295	13	hilmawan	hilmawan	PROPN
easat-7791	295	14	,	,	PUNCT
easat-7791	295	15	"	"	PUNCT
easat-7791	295	16	the	the	DET
easat-7791	295	17	moderation	moderation	NOUN
easat-7791	295	18	effect	effect	NOUN
easat-7791	295	19	of	of	ADP
easat-7791	295	20	age	age	NOUN
easat-7791	295	21	on	on	ADP
easat-7791	295	22	adopting	adopt	VERB
easat-7791	295	23	e	e	NOUN
easat-7791	295	24	-	-	NOUN
easat-7791	295	25	payment	payment	NOUN
easat-7791	295	26	technology	technology	NOUN
easat-7791	295	27	,	,	PUNCT
easat-7791	295	28	"	"	PUNCT
easat-7791	295	29	procedia	procedia	NOUN
easat-7791	295	30	computer	computer	NOUN
easat-7791	295	31	science	science	NOUN
easat-7791	295	32	,	,	PUNCT
easat-7791	295	33	vol	vol	NOUN
easat-7791	295	34	.	.	PROPN
easat-7791	295	35	124	124	NUM
easat-7791	295	36	,	,	PUNCT
easat-7791	295	37	pp	pp	ADJ
easat-7791	295	38	.	.	PUNCT
easat-7791	296	1	536	536	NUM
easat-7791	296	2	-	-	SYM
easat-7791	296	3	543	543	NUM
easat-7791	296	4	,	,	PUNCT
easat-7791	296	5	2017	2017	NUM
easat-7791	296	6	.	.	PUNCT
easat-7791	297	1	https://doi.org/10.1016/j.procs.2017.12.187	https://doi.org/10.1016/j.procs.2017.12.187	PROPN
easat-7791	297	2	[	[	PUNCT
easat-7791	297	3	22	22	NUM
easat-7791	297	4	]	]	X
easat-7791	297	5	h.	h.	PROPN
easat-7791	297	6	amin	amin	PROPN
easat-7791	297	7	,	,	PUNCT
easat-7791	297	8	t.	t.	PROPN
easat-7791	297	9	ramayah	ramayah	NOUN
easat-7791	297	10	,	,	PUNCT
easat-7791	297	11	m.	m.	PROPN
easat-7791	297	12	ali	ali	PROPN
easat-7791	297	13	,	,	PUNCT
easat-7791	297	14	d.	d.	PROPN
easat-7791	297	15	a.	a.	PROPN
easat-7791	297	16	razak	razak	PROPN
easat-7791	297	17	,	,	PUNCT
easat-7791	297	18	and	and	CCONJ
easat-7791	297	19	m.	m.	PROPN
easat-7791	297	20	z.	z.	PROPN
easat-7791	297	21	muhammad	muhammad	PROPN
easat-7791	297	22	,	,	PUNCT
easat-7791	297	23	"	"	PUNCT
easat-7791	297	24	investing	invest	VERB
easat-7791	297	25	in	in	ADP
easat-7791	297	26	islamic	islamic	ADJ
easat-7791	297	27	fixed	fix	VERB
easat-7791	297	28	deposit	deposit	NOUN
easat-7791	297	29	accounts	account	NOUN
easat-7791	297	30	:	:	PUNCT
easat-7791	297	31	a	a	DET
easat-7791	297	32	technology	technology	NOUN
easat-7791	297	33	acceptance	acceptance	NOUN
easat-7791	297	34	model	model	NOUN
easat-7791	297	35	perspective	perspective	NOUN
easat-7791	297	36	,	,	PUNCT
easat-7791	297	37	"	"	PUNCT
easat-7791	297	38	international	international	ADJ
easat-7791	297	39	journal	journal	NOUN
easat-7791	297	40	of	of	ADP
easat-7791	297	41	business	business	PROPN
easat-7791	297	42	&	&	CCONJ
easat-7791	297	43	society	society	NOUN
easat-7791	297	44	,	,	PUNCT
easat-7791	297	45	vol	vol	NOUN
easat-7791	297	46	.	.	PROPN
easat-7791	297	47	23	23	NUM
easat-7791	297	48	,	,	PUNCT
easat-7791	297	49	no	no	INTJ
easat-7791	297	50	.	.	NOUN
easat-7791	297	51	2	2	NUM
easat-7791	297	52	,	,	PUNCT
easat-7791	297	53	pp	pp	ADJ
easat-7791	297	54	.	.	PUNCT
easat-7791	298	1	786–801	786–801	NUM
easat-7791	298	2	,	,	PUNCT
easat-7791	298	3	2022	2022	NUM
easat-7791	298	4	.	.	PUNCT
easat-7791	299	1	https://doi.org/10.33736/ijbs.4838.2022	https://doi.org/10.33736/ijbs.4838.2022	PROPN
easat-7791	300	1	[	[	X
easat-7791	300	2	23	23	NUM
easat-7791	300	3	]	]	PUNCT
easat-7791	300	4	t.	t.	PROPN
easat-7791	300	5	indarsin	indarsin	PROPN
easat-7791	300	6	and	and	CCONJ
easat-7791	300	7	h.	h.	PROPN
easat-7791	300	8	ali	ali	PROPN
easat-7791	300	9	,	,	PUNCT
easat-7791	300	10	"	"	PUNCT
easat-7791	300	11	attitude	attitude	NOUN
easat-7791	300	12	toward	toward	ADP
easat-7791	300	13	using	use	VERB
easat-7791	300	14	m	m	PROPN
easat-7791	300	15	-	-	PUNCT
easat-7791	300	16	commerce	commerce	NOUN
easat-7791	300	17	:	:	PUNCT
easat-7791	300	18	the	the	DET
easat-7791	300	19	analysis	analysis	NOUN
easat-7791	300	20	of	of	ADP
easat-7791	300	21	perceived	perceive	VERB
easat-7791	300	22	usefulness	usefulness	NOUN
easat-7791	300	23	perceived	perceive	VERB
easat-7791	300	24	ease	ease	NOUN
easat-7791	300	25	of	of	ADP
easat-7791	300	26	use	use	NOUN
easat-7791	300	27	,	,	PUNCT
easat-7791	300	28	and	and	CCONJ
easat-7791	300	29	perceived	perceive	VERB
easat-7791	300	30	trust	trust	NOUN
easat-7791	300	31	:	:	PUNCT
easat-7791	300	32	case	case	NOUN
easat-7791	300	33	study	study	NOUN
easat-7791	300	34	in	in	ADP
easat-7791	300	35	ikens	iken	NOUN
easat-7791	300	36	wholesale	wholesale	ADJ
easat-7791	300	37	trade	trade	NOUN
easat-7791	300	38	,	,	PUNCT
easat-7791	300	39	jakarta	jakarta	PROPN
easat-7791	300	40	–	–	PUNCT
easat-7791	300	41	indonesia	indonesia	PROPN
easat-7791	300	42	,	,	PUNCT
easat-7791	300	43	"	"	PUNCT
easat-7791	300	44	saudi	saudi	ADJ
easat-7791	300	45	journal	journal	NOUN
easat-7791	300	46	of	of	ADP
easat-7791	300	47	business	business	NOUN
easat-7791	300	48	and	and	CCONJ
easat-7791	300	49	management	management	NOUN
easat-7791	300	50	studies	study	NOUN
easat-7791	300	51	,	,	PUNCT
easat-7791	300	52	vol	vol	NOUN
easat-7791	300	53	.	.	PROPN
easat-7791	301	1	2	2	NUM
easat-7791	301	2	,	,	PUNCT
easat-7791	301	3	no	no	INTJ
easat-7791	301	4	.	.	NOUN
easat-7791	301	5	11	11	NUM
easat-7791	301	6	,	,	PUNCT
easat-7791	301	7	pp	pp	ADJ
easat-7791	301	8	.	.	PUNCT
easat-7791	302	1	995	995	NUM
easat-7791	302	2	-	-	SYM
easat-7791	302	3	1007	1007	NUM
easat-7791	302	4	,	,	PUNCT
easat-7791	302	5	2017	2017	NUM
easat-7791	302	6	.	.	PUNCT
easat-7791	302	7	https://doi.org/10.21276/sjbms.2017.2.11.7	https://doi.org/10.21276/sjbms.2017.2.11.7	PROPN
easat-7791	303	1	[	[	X
easat-7791	303	2	24	24	NUM
easat-7791	303	3	]	]	PUNCT
easat-7791	303	4	r.	r.	PROPN
easat-7791	303	5	hasan	hasan	PROPN
easat-7791	303	6	,	,	PUNCT
easat-7791	303	7	m.	m.	NOUN
easat-7791	303	8	ashfaq	ashfaq	NOUN
easat-7791	303	9	,	,	PUNCT
easat-7791	303	10	and	and	CCONJ
easat-7791	303	11	l.	l.	PROPN
easat-7791	303	12	shao	shao	PROPN
easat-7791	303	13	,	,	PUNCT
easat-7791	303	14	"	"	PUNCT
easat-7791	303	15	evaluating	evaluate	VERB
easat-7791	303	16	drivers	driver	NOUN
easat-7791	303	17	of	of	ADP
easat-7791	303	18	fintech	fintech	NOUN
easat-7791	303	19	adoption	adoption	NOUN
easat-7791	303	20	in	in	ADP
easat-7791	303	21	the	the	DET
easat-7791	303	22	netherlands	netherlands	PROPN
easat-7791	303	23	,	,	PUNCT
easat-7791	303	24	"	"	PUNCT
easat-7791	303	25	global	global	ADJ
easat-7791	303	26	business	business	NOUN
easat-7791	303	27	review	review	PROPN
easat-7791	303	28	,	,	PUNCT
easat-7791	303	29	vol	vol	NOUN
easat-7791	303	30	.	.	PROPN
easat-7791	303	31	25	25	NUM
easat-7791	303	32	,	,	PUNCT
easat-7791	303	33	no	no	INTJ
easat-7791	303	34	.	.	NOUN
easat-7791	303	35	6	6	NUM
easat-7791	303	36	,	,	PUNCT
easat-7791	303	37	pp	pp	ADJ
easat-7791	303	38	.	.	PUNCT
easat-7791	304	1	1576	1576	NUM
easat-7791	304	2	-	-	SYM
easat-7791	304	3	1589	1589	NUM
easat-7791	304	4	,	,	PUNCT
easat-7791	304	5	2024	2024	NUM
easat-7791	304	6	.	.	PUNCT
easat-7791	305	1	https://doi.org/10.1177/09721509211027402	https://doi.org/10.1177/09721509211027402	X
easat-7791	305	2	https://doi.org/10.1016/j.procs.2017.12.187	https://doi.org/10.1016/j.procs.2017.12.187	PROPN
easat-7791	305	3	https://doi.org/10.33736/ijbs.4838.2022	https://doi.org/10.33736/ijbs.4838.2022	PROPN
easat-7791	305	4	https://doi.org/10.21276/sjbms.2017.2.11.7	https://doi.org/10.21276/sjbms.2017.2.11.7	NOUN
easat-7791	305	5	https://doi.org/10.1177/09721509211027402	https://doi.org/10.1177/09721509211027402	NOUN