id	sid	tid	token	lemma	pos
easat-7864	1	1	edelweiss	edelweiss	PROPN
easat-7864	1	2	applied	apply	VERB
easat-7864	1	3	science	science	NOUN
easat-7864	1	4	and	and	CCONJ
easat-7864	1	5	technology	technology	NOUN
easat-7864	1	6	issn	issn	PROPN
easat-7864	1	7	:	:	PUNCT
easat-7864	1	8	2576	2576	NUM
easat-7864	1	9	-	-	SYM
easat-7864	1	10	8484	8484	NUM
easat-7864	1	11	vol	vol	NOUN
easat-7864	1	12	.	.	PROPN
easat-7864	2	1	9	9	NUM
easat-7864	2	2	,	,	PUNCT
easat-7864	2	3	no	no	INTJ
easat-7864	2	4	.	.	NOUN
easat-7864	2	5	6	6	NUM
easat-7864	2	6	,	,	PUNCT
easat-7864	2	7	668	668	NUM
easat-7864	2	8	-	-	SYM
easat-7864	2	9	678	678	NUM
easat-7864	2	10	2025	2025	NUM
easat-7864	2	11	publisher	publisher	NOUN
easat-7864	2	12	:	:	PUNCT
easat-7864	2	13	learning	learn	VERB
easat-7864	2	14	gate	gate	NOUN
easat-7864	2	15	doi	doi	PROPN
easat-7864	2	16	:	:	PUNCT
easat-7864	2	17	10.55214/25768484.v9i6.7864	10.55214/25768484.v9i6.7864	PROPN
easat-7864	2	18	©	©	PROPN
easat-7864	2	19	2025	2025	NUM
easat-7864	2	20	by	by	ADP
easat-7864	2	21	the	the	DET
easat-7864	2	22	author	author	NOUN
easat-7864	2	23	;	;	PUNCT
easat-7864	2	24	licensee	licensee	PROPN
easat-7864	2	25	learning	learning	NOUN
easat-7864	2	26	gate	gate	NOUN
easat-7864	3	1	©	©	PROPN
easat-7864	3	2	2025	2025	NUM
easat-7864	3	3	by	by	ADP
easat-7864	3	4	the	the	DET
easat-7864	3	5	author	author	NOUN
easat-7864	3	6	;	;	PUNCT
easat-7864	3	7	licensee	licensee	PROPN
easat-7864	3	8	learning	learning	NOUN
easat-7864	3	9	gate	gate	NOUN
easat-7864	3	10	history	history	NOUN
easat-7864	3	11	:	:	PUNCT
easat-7864	3	12	received	receive	VERB
easat-7864	3	13	:	:	PUNCT
easat-7864	3	14	11	11	NUM
easat-7864	3	15	march	march	NOUN
easat-7864	3	16	2025	2025	NUM
easat-7864	3	17	;	;	PUNCT
easat-7864	3	18	revised	revise	VERB
easat-7864	3	19	:	:	PUNCT
easat-7864	3	20	21	21	NUM
easat-7864	3	21	may	may	PROPN
easat-7864	3	22	2025	2025	NUM
easat-7864	3	23	;	;	PUNCT
easat-7864	3	24	accepted	accept	VERB
easat-7864	3	25	:	:	PUNCT
easat-7864	3	26	26	26	NUM
easat-7864	3	27	may	may	PROPN
easat-7864	3	28	2025	2025	NUM
easat-7864	3	29	;	;	PUNCT
easat-7864	3	30	published	publish	VERB
easat-7864	3	31	:	:	PUNCT
easat-7864	3	32	5	5	NUM
easat-7864	3	33	june	june	PROPN
easat-7864	3	34	2025	2025	NUM
easat-7864	3	35	*	*	PUNCT
easat-7864	3	36	correspondence	correspondence	NOUN
easat-7864	3	37	:	:	PUNCT
easat-7864	4	1	m.helmi@seu.edu.sa	m.helmi@seu.edu.sa	PROPN
easat-7864	4	2	affecting	affect	VERB
easat-7864	4	3	factors	factor	NOUN
easat-7864	4	4	of	of	ADP
easat-7864	4	5	consumer	consumer	NOUN
easat-7864	4	6	attitudes	attitude	NOUN
easat-7864	4	7	to	to	ADP
easat-7864	4	8	using	use	VERB
easat-7864	4	9	e	e	NOUN
easat-7864	4	10	-	-	NOUN
easat-7864	4	11	payment	payment	NOUN
easat-7864	4	12	:	:	PUNCT
easat-7864	4	13	context	context	NOUN
easat-7864	4	14	of	of	ADP
easat-7864	4	15	saudi	saudi	ADJ
easat-7864	4	16	market	market	NOUN
easat-7864	4	17	majed	majed	PROPN
easat-7864	4	18	a.	a.	NOUN
easat-7864	4	19	helmi1	helmi1	PROPN
easat-7864	4	20	*	*	PROPN
easat-7864	4	21	1department	1department	NUM
easat-7864	4	22	of	of	ADP
easat-7864	4	23	business	business	PROPN
easat-7864	4	24	administration	administration	PROPN
easat-7864	4	25	,	,	PUNCT
easat-7864	4	26	college	college	NOUN
easat-7864	4	27	of	of	ADP
easat-7864	4	28	administrative	administrative	ADJ
easat-7864	4	29	and	and	CCONJ
easat-7864	4	30	financial	financial	ADJ
easat-7864	4	31	sciences	science	NOUN
easat-7864	4	32	,	,	PUNCT
easat-7864	4	33	saudi	saudi	ADJ
easat-7864	4	34	electronic	electronic	ADJ
easat-7864	4	35	university	university	NOUN
easat-7864	4	36	,	,	PUNCT
easat-7864	4	37	riyadh	riyadh	PROPN
easat-7864	4	38	11673	11673	NUM
easat-7864	4	39	,	,	PUNCT
easat-7864	4	40	saudi	saudi	PROPN
easat-7864	4	41	arabia	arabia	PROPN
easat-7864	4	42	;	;	PUNCT
easat-7864	4	43	m.helmi@seu.edu.sa	m.helmi@seu.edu.sa	PROPN
easat-7864	4	44	(	(	PUNCT
easat-7864	4	45	m.a.h	m.a.h	PROPN
easat-7864	4	46	.	.	PUNCT
easat-7864	4	47	)	)	PUNCT
easat-7864	4	48	.	.	PUNCT
easat-7864	5	1	abstract	abstract	ADV
easat-7864	5	2	:	:	PUNCT
easat-7864	5	3	the	the	DET
easat-7864	5	4	demand	demand	NOUN
easat-7864	5	5	for	for	ADP
easat-7864	5	6	electronic	electronic	ADJ
easat-7864	5	7	payment	payment	NOUN
easat-7864	5	8	(	(	PUNCT
easat-7864	5	9	e	e	NOUN
easat-7864	5	10	-	-	NOUN
easat-7864	5	11	payment	payment	NOUN
easat-7864	5	12	)	)	PUNCT
easat-7864	5	13	systems	system	NOUN
easat-7864	5	14	in	in	ADP
easat-7864	5	15	recent	recent	ADJ
easat-7864	5	16	years	year	NOUN
easat-7864	5	17	has	have	AUX
easat-7864	5	18	grown	grow	VERB
easat-7864	5	19	steadily	steadily	ADV
easat-7864	5	20	,	,	PUNCT
easat-7864	5	21	with	with	ADP
easat-7864	5	22	a	a	DET
easat-7864	5	23	notable	notable	ADJ
easat-7864	5	24	acceleration	acceleration	NOUN
easat-7864	5	25	during	during	ADP
easat-7864	5	26	the	the	DET
easat-7864	5	27	covid-19	covid-19	PROPN
easat-7864	5	28	pandemic	pandemic	NOUN
easat-7864	5	29	.	.	PUNCT
easat-7864	6	1	numerous	numerous	ADJ
easat-7864	6	2	studies	study	NOUN
easat-7864	6	3	have	have	AUX
easat-7864	6	4	investigated	investigate	VERB
easat-7864	6	5	user	user	NOUN
easat-7864	6	6	intentions	intention	NOUN
easat-7864	6	7	and	and	CCONJ
easat-7864	6	8	perceptions	perception	NOUN
easat-7864	6	9	regarding	regard	VERB
easat-7864	6	10	the	the	DET
easat-7864	6	11	adoption	adoption	NOUN
easat-7864	6	12	of	of	ADP
easat-7864	6	13	e	e	NOUN
easat-7864	6	14	-	-	NOUN
easat-7864	6	15	payment	payment	NOUN
easat-7864	6	16	technologies	technology	NOUN
easat-7864	6	17	.	.	PUNCT
easat-7864	7	1	building	build	VERB
easat-7864	7	2	on	on	ADP
easat-7864	7	3	this	this	DET
easat-7864	7	4	body	body	NOUN
easat-7864	7	5	of	of	ADP
easat-7864	7	6	research	research	NOUN
easat-7864	7	7	,	,	PUNCT
easat-7864	7	8	the	the	DET
easat-7864	7	9	present	present	ADJ
easat-7864	7	10	study	study	NOUN
easat-7864	7	11	proposes	propose	VERB
easat-7864	7	12	a	a	DET
easat-7864	7	13	conceptual	conceptual	ADJ
easat-7864	7	14	model	model	NOUN
easat-7864	7	15	that	that	PRON
easat-7864	7	16	integrates	integrate	VERB
easat-7864	7	17	behavioral	behavioral	ADJ
easat-7864	7	18	factors	factor	NOUN
easat-7864	7	19	with	with	ADP
easat-7864	7	20	the	the	DET
easat-7864	7	21	technology	technology	NOUN
easat-7864	7	22	acceptance	acceptance	NOUN
easat-7864	7	23	model	model	NOUN
easat-7864	7	24	(	(	PUNCT
easat-7864	7	25	tam	tam	PROPN
easat-7864	7	26	)	)	PUNCT
easat-7864	7	27	to	to	PART
easat-7864	7	28	gain	gain	VERB
easat-7864	7	29	deeper	deep	ADJ
easat-7864	7	30	insights	insight	NOUN
easat-7864	7	31	into	into	ADP
easat-7864	7	32	consumers	consumer	NOUN
easat-7864	7	33	’	'	PUNCT
easat-7864	7	34	use	use	NOUN
easat-7864	7	35	of	of	ADP
easat-7864	7	36	e	e	NOUN
easat-7864	7	37	-	-	NOUN
easat-7864	7	38	payment	payment	NOUN
easat-7864	7	39	systems	system	NOUN
easat-7864	7	40	.	.	PUNCT
easat-7864	8	1	this	this	DET
easat-7864	8	2	study	study	NOUN
easat-7864	8	3	aims	aim	VERB
easat-7864	8	4	to	to	PART
easat-7864	8	5	identify	identify	VERB
easat-7864	8	6	key	key	ADJ
easat-7864	8	7	factors	factor	NOUN
easat-7864	8	8	that	that	PRON
easat-7864	8	9	influence	influence	VERB
easat-7864	8	10	users	user	NOUN
easat-7864	8	11	'	'	PART
easat-7864	8	12	intention	intention	NOUN
easat-7864	8	13	to	to	PART
easat-7864	8	14	use	use	VERB
easat-7864	8	15	e	e	NOUN
easat-7864	8	16	-	-	NOUN
easat-7864	8	17	payment	payment	NOUN
easat-7864	8	18	.	.	PUNCT
easat-7864	9	1	the	the	DET
easat-7864	9	2	researcher	researcher	NOUN
easat-7864	9	3	designed	design	VERB
easat-7864	9	4	the	the	DET
easat-7864	9	5	study	study	NOUN
easat-7864	9	6	to	to	PART
easat-7864	9	7	examine	examine	VERB
easat-7864	9	8	factors	factor	NOUN
easat-7864	9	9	that	that	PRON
easat-7864	9	10	influence	influence	VERB
easat-7864	9	11	consumers	consumer	NOUN
easat-7864	9	12	'	'	PART
easat-7864	9	13	attitudes	attitude	NOUN
easat-7864	9	14	toward	toward	ADP
easat-7864	9	15	using	use	VERB
easat-7864	9	16	epayment	epayment	NOUN
easat-7864	9	17	,	,	PUNCT
easat-7864	9	18	including	include	VERB
easat-7864	9	19	security	security	NOUN
easat-7864	9	20	,	,	PUNCT
easat-7864	9	21	trust	trust	NOUN
easat-7864	9	22	,	,	PUNCT
easat-7864	9	23	ease	ease	NOUN
easat-7864	9	24	of	of	ADP
easat-7864	9	25	use	use	NOUN
easat-7864	9	26	,	,	PUNCT
easat-7864	9	27	perceived	perceive	VERB
easat-7864	9	28	usefulness	usefulness	NOUN
easat-7864	9	29	,	,	PUNCT
easat-7864	9	30	and	and	CCONJ
easat-7864	9	31	e	e	NOUN
easat-7864	9	32	-	-	NOUN
easat-7864	9	33	payment	payment	NOUN
easat-7864	9	34	rewards	reward	NOUN
easat-7864	9	35	.	.	PUNCT
easat-7864	10	1	a	a	DET
easat-7864	10	2	quantitative	quantitative	ADJ
easat-7864	10	3	research	research	NOUN
easat-7864	10	4	approach	approach	NOUN
easat-7864	10	5	was	be	AUX
easat-7864	10	6	employed	employ	VERB
easat-7864	10	7	,	,	PUNCT
easat-7864	10	8	utilizing	utilize	VERB
easat-7864	10	9	an	an	DET
easat-7864	10	10	online	online	ADJ
easat-7864	10	11	survey	survey	NOUN
easat-7864	10	12	completed	complete	VERB
easat-7864	10	13	by	by	ADP
easat-7864	10	14	215	215	NUM
easat-7864	10	15	saudi	saudi	ADJ
easat-7864	10	16	citizens	citizen	NOUN
easat-7864	10	17	.	.	PUNCT
easat-7864	11	1	the	the	DET
easat-7864	11	2	findings	finding	NOUN
easat-7864	11	3	reveal	reveal	VERB
easat-7864	11	4	that	that	SCONJ
easat-7864	11	5	all	all	DET
easat-7864	11	6	the	the	DET
easat-7864	11	7	identified	identify	VERB
easat-7864	11	8	factors	factor	NOUN
easat-7864	11	9	positively	positively	ADV
easat-7864	11	10	influence	influence	VERB
easat-7864	11	11	user	user	NOUN
easat-7864	11	12	attitudes	attitude	NOUN
easat-7864	11	13	and	and	CCONJ
easat-7864	11	14	intentions	intention	NOUN
easat-7864	11	15	toward	toward	ADP
easat-7864	11	16	e	e	NOUN
easat-7864	11	17	-	-	NOUN
easat-7864	11	18	payment	payment	NOUN
easat-7864	11	19	usage	usage	NOUN
easat-7864	11	20	.	.	PUNCT
easat-7864	12	1	notably	notably	ADV
easat-7864	12	2	,	,	PUNCT
easat-7864	12	3	perceived	perceive	VERB
easat-7864	12	4	usefulness	usefulness	NOUN
easat-7864	12	5	and	and	CCONJ
easat-7864	12	6	ease	ease	NOUN
easat-7864	12	7	of	of	ADP
easat-7864	12	8	use	use	NOUN
easat-7864	12	9	emerged	emerge	VERB
easat-7864	12	10	as	as	ADP
easat-7864	12	11	direct	direct	ADJ
easat-7864	12	12	predictors	predictor	NOUN
easat-7864	12	13	of	of	ADP
easat-7864	12	14	user	user	NOUN
easat-7864	12	15	behavior	behavior	NOUN
easat-7864	12	16	.	.	PUNCT
easat-7864	13	1	future	future	ADJ
easat-7864	13	2	research	research	NOUN
easat-7864	13	3	should	should	AUX
easat-7864	13	4	broaden	broaden	VERB
easat-7864	13	5	the	the	DET
easat-7864	13	6	range	range	NOUN
easat-7864	13	7	of	of	ADP
easat-7864	13	8	influencing	influence	VERB
easat-7864	13	9	factors	factor	NOUN
easat-7864	13	10	considered	consider	VERB
easat-7864	13	11	in	in	ADP
easat-7864	13	12	assessing	assess	VERB
easat-7864	13	13	consumer	consumer	NOUN
easat-7864	13	14	attitudes	attitude	NOUN
easat-7864	13	15	,	,	PUNCT
easat-7864	13	16	such	such	ADJ
easat-7864	13	17	as	as	ADP
easat-7864	13	18	social	social	ADJ
easat-7864	13	19	influence	influence	NOUN
easat-7864	13	20	,	,	PUNCT
easat-7864	13	21	and	and	CCONJ
easat-7864	13	22	should	should	AUX
easat-7864	13	23	include	include	VERB
easat-7864	13	24	control	control	NOUN
easat-7864	13	25	groups	group	NOUN
easat-7864	13	26	based	base	VERB
easat-7864	13	27	on	on	ADP
easat-7864	13	28	gender	gender	NOUN
easat-7864	13	29	to	to	PART
easat-7864	13	30	explore	explore	VERB
easat-7864	13	31	potential	potential	ADJ
easat-7864	13	32	demographic	demographic	ADJ
easat-7864	13	33	differences	difference	NOUN
easat-7864	13	34	.	.	PUNCT
easat-7864	14	1	keywords	keyword	NOUN
easat-7864	14	2	:	:	PUNCT
easat-7864	14	3	attitude	attitude	NOUN
easat-7864	14	4	to	to	ADP
easat-7864	14	5	e	e	NOUN
easat-7864	14	6	-	-	NOUN
easat-7864	14	7	payment	payment	NOUN
easat-7864	14	8	,	,	PUNCT
easat-7864	14	9	easy	easy	ADJ
easat-7864	14	10	of	of	ADP
easat-7864	14	11	use	use	NOUN
easat-7864	14	12	,	,	PUNCT
easat-7864	14	13	e	e	NOUN
easat-7864	14	14	-	-	NOUN
easat-7864	14	15	payment	payment	NOUN
easat-7864	14	16	rewards	reward	NOUN
easat-7864	14	17	,	,	PUNCT
easat-7864	14	18	intent	intent	ADJ
easat-7864	14	19	to	to	PART
easat-7864	14	20	use	use	VERB
easat-7864	14	21	e	e	NOUN
easat-7864	14	22	-	-	NOUN
easat-7864	14	23	payment	payment	ADJ
easat-7864	14	24	,	,	PUNCT
easat-7864	14	25	trust	trust	NOUN
easat-7864	14	26	,	,	PUNCT
easat-7864	14	27	security	security	NOUN
easat-7864	14	28	,	,	PUNCT
easat-7864	14	29	usefulness	usefulness	NOUN
easat-7864	14	30	.	.	PUNCT
easat-7864	15	1	1	1	X
easat-7864	15	2	.	.	X
easat-7864	15	3	introduction	introduction	NOUN
easat-7864	15	4	the	the	DET
easat-7864	15	5	rising	rise	VERB
easat-7864	15	6	popularity	popularity	NOUN
easat-7864	15	7	of	of	ADP
easat-7864	15	8	digital	digital	ADJ
easat-7864	15	9	and	and	CCONJ
easat-7864	15	10	cashless	cashless	NOUN
easat-7864	15	11	payment	payment	NOUN
easat-7864	15	12	methods	method	NOUN
easat-7864	15	13	has	have	AUX
easat-7864	15	14	been	be	AUX
easat-7864	15	15	notable	notable	ADJ
easat-7864	15	16	worldwide	worldwide	ADV
easat-7864	15	17	,	,	PUNCT
easat-7864	15	18	fueled	fuel	VERB
easat-7864	15	19	by	by	ADP
easat-7864	15	20	advancements	advancement	NOUN
easat-7864	15	21	in	in	ADP
easat-7864	15	22	information	information	NOUN
easat-7864	15	23	and	and	CCONJ
easat-7864	15	24	communication	communication	NOUN
easat-7864	15	25	technology	technology	NOUN
easat-7864	15	26	,	,	PUNCT
easat-7864	15	27	as	as	ADV
easat-7864	15	28	well	well	ADV
easat-7864	15	29	as	as	ADP
easat-7864	15	30	the	the	DET
easat-7864	15	31	widespread	widespread	ADJ
easat-7864	15	32	use	use	NOUN
easat-7864	15	33	of	of	ADP
easat-7864	15	34	smartphones	smartphone	NOUN
easat-7864	15	35	and	and	CCONJ
easat-7864	15	36	internet	internet	NOUN
easat-7864	15	37	services	service	NOUN
easat-7864	15	38	.	.	PUNCT
easat-7864	16	1	consumers	consumer	NOUN
easat-7864	16	2	’	'	PUNCT
easat-7864	16	3	behavioral	behavioral	ADJ
easat-7864	16	4	intentions	intention	NOUN
easat-7864	16	5	to	to	PART
easat-7864	16	6	adopt	adopt	VERB
easat-7864	16	7	e	e	NOUN
easat-7864	16	8	-	-	NOUN
easat-7864	16	9	payment	payment	NOUN
easat-7864	16	10	systems	system	NOUN
easat-7864	16	11	have	have	AUX
easat-7864	16	12	evolved	evolve	VERB
easat-7864	16	13	significantly	significantly	ADV
easat-7864	16	14	,	,	PUNCT
easat-7864	16	15	largely	largely	ADV
easat-7864	16	16	due	due	ADJ
easat-7864	16	17	to	to	ADP
easat-7864	16	18	the	the	DET
easat-7864	16	19	growing	grow	VERB
easat-7864	16	20	need	need	NOUN
easat-7864	16	21	for	for	ADP
easat-7864	16	22	secure	secure	ADJ
easat-7864	16	23	,	,	PUNCT
easat-7864	16	24	efficient	efficient	ADJ
easat-7864	16	25	,	,	PUNCT
easat-7864	16	26	and	and	CCONJ
easat-7864	16	27	convenient	convenient	ADJ
easat-7864	16	28	transaction	transaction	NOUN
easat-7864	16	29	methods	method	NOUN
easat-7864	16	30	.	.	PUNCT
easat-7864	17	1	the	the	DET
easat-7864	17	2	rapid	rapid	ADJ
easat-7864	17	3	growth	growth	NOUN
easat-7864	17	4	in	in	ADP
easat-7864	17	5	internet	internet	NOUN
easat-7864	17	6	usage	usage	NOUN
easat-7864	17	7	and	and	CCONJ
easat-7864	17	8	advances	advance	NOUN
easat-7864	17	9	in	in	ADP
easat-7864	17	10	information	information	NOUN
easat-7864	17	11	and	and	CCONJ
easat-7864	17	12	communication	communication	NOUN
easat-7864	17	13	technologies	technology	NOUN
easat-7864	17	14	have	have	AUX
easat-7864	17	15	significantly	significantly	ADV
easat-7864	17	16	boosted	boost	VERB
easat-7864	17	17	the	the	DET
easat-7864	17	18	development	development	NOUN
easat-7864	17	19	and	and	CCONJ
easat-7864	17	20	adoption	adoption	NOUN
easat-7864	17	21	of	of	ADP
easat-7864	17	22	electronic	electronic	ADJ
easat-7864	17	23	commerce	commerce	NOUN
easat-7864	17	24	(	(	PUNCT
easat-7864	17	25	ecommerce	ecommerce	NOUN
easat-7864	17	26	)	)	PUNCT
easat-7864	17	27	,	,	PUNCT
easat-7864	17	28	and	and	CCONJ
easat-7864	17	29	at	at	ADP
easat-7864	17	30	the	the	DET
easat-7864	17	31	heart	heart	NOUN
easat-7864	17	32	of	of	ADP
easat-7864	17	33	this	this	DET
easat-7864	17	34	shift	shift	NOUN
easat-7864	17	35	is	be	AUX
easat-7864	17	36	the	the	DET
easat-7864	17	37	e	e	NOUN
easat-7864	17	38	-	-	ADJ
easat-7864	17	39	payment	payment	NOUN
easat-7864	17	40	system	system	NOUN
easat-7864	17	41	.	.	PUNCT
easat-7864	18	1	in	in	ADP
easat-7864	18	2	recent	recent	ADJ
easat-7864	18	3	report	report	NOUN
easat-7864	18	4	show	show	VERB
easat-7864	18	5	that	that	SCONJ
easat-7864	18	6	over	over	ADP
easat-7864	18	7	5.56	5.56	NUM
easat-7864	18	8	billion	billion	NUM
easat-7864	18	9	people	people	NOUN
easat-7864	18	10	use	use	VERB
easat-7864	18	11	the	the	DET
easat-7864	18	12	internet	internet	NOUN
easat-7864	18	13	,	,	PUNCT
easat-7864	18	14	and	and	CCONJ
easat-7864	18	15	about	about	ADV
easat-7864	18	16	67.6	67.6	NUM
easat-7864	18	17	%	%	NOUN
easat-7864	18	18	of	of	ADP
easat-7864	18	19	the	the	DET
easat-7864	18	20	global	global	ADJ
easat-7864	18	21	population	population	NOUN
easat-7864	19	1	[	[	X
easat-7864	19	2	1	1	NUM
easat-7864	19	3	]	]	PUNCT
easat-7864	19	4	.	.	PUNCT
easat-7864	20	1	the	the	DET
easat-7864	20	2	e	e	NOUN
easat-7864	20	3	-	-	NOUN
easat-7864	20	4	payment	payment	NOUN
easat-7864	20	5	refers	refer	VERB
easat-7864	20	6	to	to	ADP
easat-7864	20	7	the	the	DET
easat-7864	20	8	electronic	electronic	ADJ
easat-7864	20	9	transfer	transfer	NOUN
easat-7864	20	10	of	of	ADP
easat-7864	20	11	money	money	NOUN
easat-7864	20	12	over	over	ADP
easat-7864	20	13	the	the	DET
easat-7864	20	14	internet	internet	NOUN
easat-7864	20	15	,	,	PUNCT
easat-7864	20	16	allowing	allow	VERB
easat-7864	20	17	individuals	individual	NOUN
easat-7864	20	18	and	and	CCONJ
easat-7864	20	19	businesses	business	NOUN
easat-7864	20	20	to	to	PART
easat-7864	20	21	conduct	conduct	VERB
easat-7864	20	22	transactions	transaction	NOUN
easat-7864	20	23	easily	easily	ADV
easat-7864	20	24	and	and	CCONJ
easat-7864	20	25	efficiently	efficiently	ADV
easat-7864	20	26	,	,	PUNCT
easat-7864	20	27	without	without	ADP
easat-7864	20	28	the	the	DET
easat-7864	20	29	need	need	NOUN
easat-7864	20	30	for	for	ADP
easat-7864	20	31	actual	actual	ADJ
easat-7864	20	32	cash	cash	NOUN
easat-7864	20	33	or	or	CCONJ
easat-7864	20	34	in	in	ADP
easat-7864	20	35	-	-	PUNCT
easat-7864	20	36	person	person	NOUN
easat-7864	20	37	transactions	transaction	NOUN
easat-7864	20	38	.	.	PUNCT
easat-7864	21	1	several	several	ADJ
easat-7864	21	2	studies	study	NOUN
easat-7864	21	3	have	have	AUX
easat-7864	21	4	explored	explore	VERB
easat-7864	21	5	several	several	ADJ
easat-7864	21	6	factors	factor	NOUN
easat-7864	21	7	that	that	PRON
easat-7864	21	8	influence	influence	VERB
easat-7864	21	9	users	user	NOUN
easat-7864	21	10	'	'	PART
easat-7864	21	11	willingness	willingness	NOUN
easat-7864	21	12	to	to	PART
easat-7864	21	13	engage	engage	VERB
easat-7864	21	14	with	with	ADP
easat-7864	21	15	epayment	epayment	ADJ
easat-7864	21	16	services	service	NOUN
easat-7864	21	17	.	.	PUNCT
easat-7864	22	1	much	much	ADJ
easat-7864	22	2	of	of	ADP
easat-7864	22	3	the	the	DET
easat-7864	22	4	research	research	NOUN
easat-7864	22	5	is	be	AUX
easat-7864	22	6	grounded	ground	VERB
easat-7864	22	7	in	in	ADP
easat-7864	22	8	the	the	DET
easat-7864	22	9	technology	technology	NOUN
easat-7864	22	10	acceptance	acceptance	NOUN
easat-7864	22	11	model	model	NOUN
easat-7864	22	12	(	(	PUNCT
easat-7864	22	13	tam	tam	PROPN
easat-7864	22	14	)	)	PUNCT
easat-7864	23	1	[	[	X
easat-7864	23	2	2	2	NUM
easat-7864	23	3	]	]	PUNCT
easat-7864	23	4	,	,	PUNCT
easat-7864	23	5	focusing	focus	VERB
easat-7864	23	6	on	on	ADP
easat-7864	23	7	key	key	ADJ
easat-7864	23	8	elements	element	NOUN
easat-7864	23	9	such	such	ADJ
easat-7864	23	10	as	as	ADP
easat-7864	23	11	perceived	perceive	VERB
easat-7864	23	12	ease	ease	NOUN
easat-7864	23	13	of	of	ADP
easat-7864	23	14	use	use	NOUN
easat-7864	23	15	and	and	CCONJ
easat-7864	23	16	perceived	perceive	VERB
easat-7864	23	17	usefulness	usefulness	NOUN
easat-7864	23	18	.	.	PUNCT
easat-7864	24	1	additionally	additionally	ADV
easat-7864	24	2	,	,	PUNCT
easat-7864	24	3	researchers	researcher	NOUN
easat-7864	24	4	have	have	AUX
easat-7864	24	5	incorporated	incorporate	VERB
easat-7864	24	6	other	other	ADJ
easat-7864	24	7	critical	critical	ADJ
easat-7864	24	8	variables	variable	NOUN
easat-7864	24	9	,	,	PUNCT
easat-7864	24	10	including	include	VERB
easat-7864	24	11	trust	trust	NOUN
easat-7864	24	12	,	,	PUNCT
easat-7864	24	13	perceived	perceive	VERB
easat-7864	24	14	risk	risk	NOUN
easat-7864	24	15	,	,	PUNCT
easat-7864	24	16	security	security	NOUN
easat-7864	24	17	,	,	PUNCT
easat-7864	24	18	and	and	CCONJ
easat-7864	24	19	social	social	ADJ
easat-7864	24	20	influence	influence	NOUN
easat-7864	24	21	,	,	PUNCT
easat-7864	24	22	to	to	PART
easat-7864	24	23	offer	offer	VERB
easat-7864	24	24	a	a	DET
easat-7864	24	25	more	more	ADV
easat-7864	24	26	comprehensive	comprehensive	ADJ
easat-7864	24	27	understanding	understanding	NOUN
easat-7864	24	28	of	of	ADP
easat-7864	24	29	e	e	NOUN
easat-7864	24	30	-	-	NOUN
easat-7864	24	31	payment	payment	ADJ
easat-7864	24	32	adoption	adoption	NOUN
easat-7864	24	33	[	[	X
easat-7864	24	34	3	3	NUM
easat-7864	24	35	,	,	PUNCT
easat-7864	24	36	4	4	NUM
easat-7864	24	37	]	]	PUNCT
easat-7864	24	38	.	.	PUNCT
easat-7864	25	1	in	in	ADP
easat-7864	25	2	line	line	NOUN
easat-7864	25	3	with	with	ADP
easat-7864	25	4	these	these	DET
easat-7864	25	5	findings	finding	NOUN
easat-7864	25	6	,	,	PUNCT
easat-7864	25	7	this	this	DET
easat-7864	25	8	study	study	NOUN
easat-7864	25	9	develops	develop	VERB
easat-7864	25	10	a	a	DET
easat-7864	25	11	conceptual	conceptual	ADJ
easat-7864	25	12	framework	framework	NOUN
easat-7864	25	13	that	that	PRON
easat-7864	25	14	integrates	integrate	VERB
easat-7864	25	15	behavioral	behavioral	ADJ
easat-7864	25	16	elements	element	NOUN
easat-7864	25	17	with	with	ADP
easat-7864	25	18	tam	tam	NOUN
easat-7864	25	19	constructs	construct	NOUN
easat-7864	25	20	to	to	PART
easat-7864	25	21	examine	examine	VERB
easat-7864	25	22	the	the	DET
easat-7864	25	23	main	main	ADJ
easat-7864	25	24	factors	factor	NOUN
easat-7864	25	25	influencing	influence	VERB
easat-7864	25	26	consumers	consumer	NOUN
easat-7864	25	27	'	'	PART
easat-7864	25	28	acceptance	acceptance	NOUN
easat-7864	25	29	and	and	CCONJ
easat-7864	25	30	use	use	NOUN
easat-7864	25	31	of	of	ADP
easat-7864	25	32	e	e	NOUN
easat-7864	25	33	-	-	NOUN
easat-7864	25	34	payment	payment	NOUN
easat-7864	25	35	systems	system	NOUN
easat-7864	25	36	.	.	PUNCT
easat-7864	26	1	this	this	DET
easat-7864	26	2	integrated	integrate	VERB
easat-7864	26	3	model	model	NOUN
easat-7864	26	4	seeks	seek	VERB
easat-7864	26	5	to	to	PART
easat-7864	26	6	deliver	deliver	VERB
easat-7864	26	7	a	a	DET
easat-7864	26	8	deeper	deep	ADJ
easat-7864	26	9	insight	insight	NOUN
easat-7864	26	10	into	into	ADP
easat-7864	26	11	user	user	NOUN
easat-7864	26	12	behavior	behavior	NOUN
easat-7864	26	13	within	within	ADP
easat-7864	26	14	the	the	DET
easat-7864	26	15	rapidly	rapidly	ADV
easat-7864	26	16	advancing	advance	VERB
easat-7864	26	17	digital	digital	ADJ
easat-7864	26	18	economy	economy	NOUN
easat-7864	26	19	.	.	PUNCT
easat-7864	27	1	https://orcid.org/0000-0002-7864-0433	https://orcid.org/0000-0002-7864-0433	PROPN
easat-7864	27	2	669	669	NUM
easat-7864	27	3	edelweiss	edelweiss	PROPN
easat-7864	27	4	applied	apply	VERB
easat-7864	27	5	science	science	NOUN
easat-7864	27	6	and	and	CCONJ
easat-7864	27	7	technology	technology	NOUN
easat-7864	27	8	issn	issn	PROPN
easat-7864	27	9	:	:	PUNCT
easat-7864	27	10	2576	2576	NUM
easat-7864	27	11	-	-	SYM
easat-7864	27	12	8484	8484	NUM
easat-7864	27	13	vol	vol	NOUN
easat-7864	27	14	.	.	PROPN
easat-7864	28	1	9	9	NUM
easat-7864	28	2	,	,	PUNCT
easat-7864	28	3	no	no	INTJ
easat-7864	28	4	.	.	NOUN
easat-7864	29	1	6	6	NUM
easat-7864	29	2	:	:	PUNCT
easat-7864	29	3	668	668	NUM
easat-7864	29	4	-	-	SYM
easat-7864	29	5	678	678	NUM
easat-7864	29	6	,	,	PUNCT
easat-7864	29	7	2025	2025	NUM
easat-7864	29	8	doi	doi	NOUN
easat-7864	29	9	:	:	PUNCT
easat-7864	29	10	10.55214/25768484.v9i6.7864	10.55214/25768484.v9i6.7864	PROPN
easat-7864	29	11	©	©	PROPN
easat-7864	29	12	2025	2025	NUM
easat-7864	29	13	by	by	ADP
easat-7864	29	14	the	the	DET
easat-7864	29	15	author	author	NOUN
easat-7864	29	16	;	;	PUNCT
easat-7864	29	17	licensee	licensee	PROPN
easat-7864	29	18	learning	learning	NOUN
easat-7864	29	19	gate	gate	VERB
easat-7864	29	20	many	many	ADJ
easat-7864	29	21	researchers	researcher	NOUN
easat-7864	29	22	have	have	AUX
easat-7864	29	23	studied	study	VERB
easat-7864	29	24	why	why	SCONJ
easat-7864	29	25	e	e	NOUN
easat-7864	29	26	-	-	NOUN
easat-7864	29	27	payments	payment	NOUN
easat-7864	29	28	are	be	AUX
easat-7864	29	29	becoming	become	VERB
easat-7864	29	30	more	more	ADV
easat-7864	29	31	popular	popular	ADJ
easat-7864	29	32	,	,	PUNCT
easat-7864	29	33	with	with	ADP
easat-7864	29	34	a	a	DET
easat-7864	29	35	focus	focus	NOUN
easat-7864	29	36	on	on	ADP
easat-7864	29	37	what	what	PRON
easat-7864	29	38	drives	drive	VERB
easat-7864	29	39	people	people	NOUN
easat-7864	29	40	to	to	PART
easat-7864	29	41	use	use	VERB
easat-7864	29	42	them	they	PRON
easat-7864	29	43	and	and	CCONJ
easat-7864	29	44	how	how	SCONJ
easat-7864	29	45	important	important	ADJ
easat-7864	29	46	technology	technology	NOUN
easat-7864	29	47	acceptance	acceptance	NOUN
easat-7864	29	48	is	be	AUX
easat-7864	29	49	in	in	ADP
easat-7864	29	50	adopting	adopt	VERB
easat-7864	29	51	new	new	ADJ
easat-7864	29	52	digital	digital	ADJ
easat-7864	29	53	tools	tool	NOUN
easat-7864	29	54	(	(	PUNCT
easat-7864	29	55	e.g.	e.g.	ADV
easat-7864	29	56	,	,	PUNCT
easat-7864	29	57	dahlberg	dahlberg	PROPN
easat-7864	29	58	,	,	PUNCT
easat-7864	29	59	et	et	PROPN
easat-7864	29	60	al	al	PROPN
easat-7864	29	61	.	.	PUNCT
easat-7864	30	1	[	[	X
easat-7864	30	2	5	5	NUM
easat-7864	30	3	]	]	NUM
easat-7864	30	4	)	)	PUNCT
easat-7864	30	5	.	.	PUNCT
easat-7864	31	1	research	research	NOUN
easat-7864	31	2	indicates	indicate	VERB
easat-7864	31	3	that	that	SCONJ
easat-7864	31	4	incentives	incentive	NOUN
easat-7864	31	5	to	to	PART
easat-7864	31	6	use	use	VERB
easat-7864	31	7	e	e	NOUN
easat-7864	31	8	-	-	NOUN
easat-7864	31	9	payments	payment	NOUN
easat-7864	31	10	not	not	PART
easat-7864	31	11	only	only	ADV
easat-7864	31	12	influence	influence	NOUN
easat-7864	31	13	consumers	consumer	NOUN
easat-7864	31	14	'	'	PART
easat-7864	31	15	intentions	intention	NOUN
easat-7864	31	16	but	but	CCONJ
easat-7864	31	17	also	also	ADV
easat-7864	31	18	directly	directly	ADV
easat-7864	31	19	impact	impact	VERB
easat-7864	31	20	their	their	PRON
easat-7864	31	21	behavior	behavior	NOUN
easat-7864	31	22	.	.	PUNCT
easat-7864	32	1	factors	factor	NOUN
easat-7864	32	2	such	such	ADJ
easat-7864	32	3	as	as	ADP
easat-7864	32	4	perceived	perceive	VERB
easat-7864	32	5	risk	risk	NOUN
easat-7864	32	6	,	,	PUNCT
easat-7864	32	7	trust	trust	NOUN
easat-7864	32	8	,	,	PUNCT
easat-7864	32	9	and	and	CCONJ
easat-7864	32	10	convenience	convenience	NOUN
easat-7864	32	11	significantly	significantly	ADV
easat-7864	32	12	affect	affect	VERB
easat-7864	32	13	consumers	consumer	NOUN
easat-7864	32	14	'	'	PART
easat-7864	32	15	attitudes	attitude	NOUN
easat-7864	32	16	toward	toward	ADP
easat-7864	32	17	online	online	ADJ
easat-7864	32	18	payment	payment	NOUN
easat-7864	32	19	systems	system	NOUN
easat-7864	32	20	.	.	PUNCT
easat-7864	33	1	security	security	NOUN
easat-7864	33	2	concerns	concern	NOUN
easat-7864	33	3	are	be	AUX
easat-7864	33	4	a	a	DET
easat-7864	33	5	major	major	ADJ
easat-7864	33	6	barrier	barrier	NOUN
easat-7864	33	7	to	to	ADP
easat-7864	33	8	the	the	DET
easat-7864	33	9	adoption	adoption	NOUN
easat-7864	33	10	of	of	ADP
easat-7864	33	11	e	e	NOUN
easat-7864	33	12	-	-	NOUN
easat-7864	33	13	payment	payment	NOUN
easat-7864	33	14	systems	system	NOUN
easat-7864	33	15	.	.	PUNCT
easat-7864	34	1	studies	study	NOUN
easat-7864	34	2	highlight	highlight	VERB
easat-7864	34	3	the	the	DET
easat-7864	34	4	importance	importance	NOUN
easat-7864	34	5	of	of	ADP
easat-7864	34	6	improving	improve	VERB
easat-7864	34	7	trust	trust	NOUN
easat-7864	34	8	,	,	PUNCT
easat-7864	34	9	user	user	NOUN
easat-7864	34	10	education	education	NOUN
easat-7864	34	11	,	,	PUNCT
easat-7864	34	12	and	and	CCONJ
easat-7864	34	13	security	security	NOUN
easat-7864	34	14	features	feature	VERB
easat-7864	34	15	to	to	PART
easat-7864	34	16	encourage	encourage	VERB
easat-7864	34	17	wider	wide	ADJ
easat-7864	34	18	acceptance	acceptance	NOUN
easat-7864	34	19	of	of	ADP
easat-7864	34	20	digital	digital	ADJ
easat-7864	34	21	payments	payment	NOUN
easat-7864	34	22	.	.	PUNCT
easat-7864	35	1	although	although	SCONJ
easat-7864	35	2	there	there	PRON
easat-7864	35	3	are	be	VERB
easat-7864	35	4	research	research	NOUN
easat-7864	35	5	studies	study	NOUN
easat-7864	35	6	investigating	investigate	VERB
easat-7864	35	7	the	the	DET
easat-7864	35	8	influencing	influence	VERB
easat-7864	35	9	factors	factor	NOUN
easat-7864	35	10	toward	toward	ADP
easat-7864	35	11	intent	intent	NOUN
easat-7864	35	12	to	to	PART
easat-7864	35	13	use	use	VERB
easat-7864	35	14	e	e	NOUN
easat-7864	35	15	-	-	NOUN
easat-7864	35	16	payment	payment	NOUN
easat-7864	35	17	,	,	PUNCT
easat-7864	35	18	such	such	ADJ
easat-7864	35	19	as	as	ADP
easat-7864	35	20	sarkam	sarkam	ADJ
easat-7864	35	21	,	,	PUNCT
easat-7864	35	22	et	et	PROPN
easat-7864	35	23	al	al	PROPN
easat-7864	35	24	.	.	PUNCT
easat-7864	36	1	[	[	X
easat-7864	36	2	6	6	NUM
easat-7864	36	3	]	]	PUNCT
easat-7864	36	4	.	.	PUNCT
easat-7864	37	1	there	there	PRON
easat-7864	37	2	is	be	VERB
easat-7864	37	3	a	a	DET
easat-7864	37	4	lack	lack	NOUN
easat-7864	37	5	of	of	ADP
easat-7864	37	6	studies	study	NOUN
easat-7864	37	7	on	on	ADP
easat-7864	37	8	the	the	DET
easat-7864	37	9	influence	influence	NOUN
easat-7864	37	10	of	of	ADP
easat-7864	37	11	the	the	DET
easat-7864	37	12	reward	reward	NOUN
easat-7864	37	13	system	system	NOUN
easat-7864	37	14	and	and	CCONJ
easat-7864	37	15	its	its	PRON
easat-7864	37	16	attitude	attitude	NOUN
easat-7864	37	17	.	.	PUNCT
easat-7864	38	1	this	this	DET
easat-7864	38	2	study	study	NOUN
easat-7864	38	3	will	will	AUX
easat-7864	38	4	examine	examine	VERB
easat-7864	38	5	in	in	ADP
easat-7864	38	6	depth	depth	NOUN
easat-7864	38	7	the	the	DET
easat-7864	38	8	saudi	saudi	ADJ
easat-7864	38	9	consumers	consumer	NOUN
easat-7864	38	10	.	.	PUNCT
easat-7864	39	1	2	2	X
easat-7864	39	2	.	.	X
easat-7864	39	3	literature	literature	NOUN
easat-7864	39	4	review	review	VERB
easat-7864	39	5	the	the	DET
easat-7864	39	6	technology	technology	NOUN
easat-7864	39	7	acceptance	acceptance	NOUN
easat-7864	39	8	model	model	NOUN
easat-7864	39	9	(	(	PUNCT
easat-7864	39	10	tam	tam	PROPN
easat-7864	39	11	)	)	PUNCT
easat-7864	40	1	[	[	X
easat-7864	40	2	2	2	X
easat-7864	40	3	]	]	PUNCT
easat-7864	40	4	applies	apply	VERB
easat-7864	40	5	to	to	ADP
easat-7864	40	6	the	the	DET
easat-7864	40	7	ease	ease	NOUN
easat-7864	40	8	of	of	ADP
easat-7864	40	9	use	use	NOUN
easat-7864	40	10	and	and	CCONJ
easat-7864	40	11	usefulness	usefulness	NOUN
easat-7864	40	12	in	in	ADP
easat-7864	40	13	accepting	accept	VERB
easat-7864	40	14	modern	modern	ADJ
easat-7864	40	15	technology	technology	NOUN
easat-7864	40	16	,	,	PUNCT
easat-7864	40	17	which	which	PRON
easat-7864	40	18	is	be	AUX
easat-7864	40	19	generated	generate	VERB
easat-7864	40	20	from	from	ADP
easat-7864	40	21	the	the	DET
easat-7864	40	22	theory	theory	NOUN
easat-7864	40	23	of	of	ADP
easat-7864	40	24	reasoned	reason	VERB
easat-7864	40	25	action	action	NOUN
easat-7864	40	26	(	(	PUNCT
easat-7864	40	27	tra	tra	NOUN
easat-7864	40	28	)	)	PUNCT
easat-7864	40	29	.	.	PUNCT
easat-7864	41	1	the	the	DET
easat-7864	41	2	research	research	NOUN
easat-7864	41	3	goes	go	VERB
easat-7864	41	4	further	far	ADV
easat-7864	41	5	to	to	PART
easat-7864	41	6	study	study	VERB
easat-7864	41	7	other	other	ADJ
easat-7864	41	8	factors	factor	NOUN
easat-7864	41	9	including	include	VERB
easat-7864	41	10	trust	trust	NOUN
easat-7864	41	11	and	and	CCONJ
easat-7864	41	12	other	other	ADJ
easat-7864	41	13	factors	factor	NOUN
easat-7864	41	14	.	.	PUNCT
easat-7864	42	1	the	the	DET
easat-7864	42	2	current	current	ADJ
easat-7864	42	3	research	research	NOUN
easat-7864	42	4	conceptualizes	conceptualize	VERB
easat-7864	42	5	the	the	DET
easat-7864	42	6	influencing	influence	VERB
easat-7864	42	7	factors	factor	NOUN
easat-7864	42	8	include	include	VERB
easat-7864	42	9	easy	easy	ADJ
easat-7864	42	10	use	use	NOUN
easat-7864	42	11	,	,	PUNCT
easat-7864	42	12	usefulness	usefulness	NOUN
easat-7864	42	13	,	,	PUNCT
easat-7864	42	14	trust	trust	NOUN
easat-7864	42	15	,	,	PUNCT
easat-7864	42	16	reward	reward	NOUN
easat-7864	42	17	,	,	PUNCT
easat-7864	42	18	and	and	CCONJ
easat-7864	42	19	security	security	NOUN
easat-7864	42	20	on	on	ADP
easat-7864	42	21	the	the	DET
easat-7864	42	22	intent	intent	NOUN
easat-7864	42	23	to	to	PART
easat-7864	42	24	use	use	VERB
easat-7864	42	25	e	e	NOUN
easat-7864	42	26	-	-	NOUN
easat-7864	42	27	payment	payment	NOUN
easat-7864	42	28	and	and	CCONJ
easat-7864	42	29	consumers	consumer	NOUN
easat-7864	42	30	'	'	PART
easat-7864	42	31	attitude	attitude	NOUN
easat-7864	42	32	toward	toward	ADP
easat-7864	42	33	e	e	NOUN
easat-7864	42	34	-	-	NOUN
easat-7864	42	35	payment	payment	NOUN
easat-7864	42	36	.	.	PUNCT
easat-7864	43	1	2.1	2.1	NUM
easat-7864	43	2	.	.	PUNCT
easat-7864	43	3	intention	intention	NOUN
easat-7864	43	4	to	to	PART
easat-7864	43	5	use	use	VERB
easat-7864	43	6	e	e	NOUN
easat-7864	43	7	-	-	NOUN
easat-7864	43	8	payment	payment	ADJ
easat-7864	43	9	e	e	NOUN
easat-7864	43	10	-	-	NOUN
easat-7864	43	11	payment	payment	NOUN
easat-7864	43	12	is	be	AUX
easat-7864	43	13	a	a	DET
easat-7864	43	14	model	model	NOUN
easat-7864	43	15	of	of	ADP
easat-7864	43	16	making	make	VERB
easat-7864	43	17	transactions	transaction	NOUN
easat-7864	43	18	through	through	ADP
easat-7864	43	19	the	the	DET
easat-7864	43	20	internet	internet	NOUN
easat-7864	43	21	without	without	ADP
easat-7864	43	22	needing	need	VERB
easat-7864	43	23	to	to	PART
easat-7864	43	24	be	be	AUX
easat-7864	43	25	in	in	ADP
easat-7864	43	26	person	person	NOUN
easat-7864	43	27	or	or	CCONJ
easat-7864	43	28	use	use	VERB
easat-7864	43	29	actual	actual	ADJ
easat-7864	43	30	money	money	NOUN
easat-7864	43	31	.	.	PUNCT
easat-7864	44	1	it	it	PRON
easat-7864	44	2	is	be	AUX
easat-7864	44	3	considered	consider	VERB
easat-7864	44	4	an	an	DET
easat-7864	44	5	important	important	ADJ
easat-7864	44	6	element	element	NOUN
easat-7864	44	7	of	of	ADP
easat-7864	44	8	e	e	NOUN
easat-7864	44	9	-	-	NOUN
easat-7864	44	10	commerce	commerce	NOUN
easat-7864	44	11	.	.	PUNCT
easat-7864	45	1	however	however	ADV
easat-7864	45	2	,	,	PUNCT
easat-7864	45	3	several	several	ADJ
easat-7864	45	4	factors	factor	NOUN
easat-7864	45	5	needed	need	VERB
easat-7864	45	6	convincing	convince	VERB
easat-7864	45	7	consumers	consumer	NOUN
easat-7864	45	8	to	to	PART
easat-7864	45	9	use	use	VERB
easat-7864	45	10	the	the	DET
easat-7864	45	11	e	e	NOUN
easat-7864	45	12	-	-	NOUN
easat-7864	45	13	payment	payment	NOUN
easat-7864	45	14	system	system	NOUN
easat-7864	45	15	.	.	PUNCT
easat-7864	46	1	that	that	PRON
easat-7864	46	2	includes	include	VERB
easat-7864	46	3	security	security	NOUN
easat-7864	46	4	,	,	PUNCT
easat-7864	46	5	trust	trust	NOUN
easat-7864	46	6	,	,	PUNCT
easat-7864	46	7	easy	easy	ADJ
easat-7864	46	8	use	use	NOUN
easat-7864	46	9	,	,	PUNCT
easat-7864	46	10	and	and	CCONJ
easat-7864	46	11	usefulness	usefulness	NOUN
easat-7864	46	12	.	.	PUNCT
easat-7864	47	1	that	that	PRON
easat-7864	47	2	is	be	AUX
easat-7864	47	3	not	not	PART
easat-7864	47	4	an	an	DET
easat-7864	47	5	online	online	ADJ
easat-7864	47	6	factor	factor	NOUN
easat-7864	47	7	because	because	SCONJ
easat-7864	47	8	this	this	DET
easat-7864	47	9	system	system	NOUN
easat-7864	47	10	gains	gain	VERB
easat-7864	47	11	a	a	DET
easat-7864	47	12	pig	pig	NOUN
easat-7864	47	13	competition	competition	NOUN
easat-7864	47	14	,	,	PUNCT
easat-7864	47	15	so	so	SCONJ
easat-7864	47	16	it	it	PRON
easat-7864	47	17	becomes	become	VERB
easat-7864	47	18	another	another	DET
easat-7864	47	19	factor	factor	NOUN
easat-7864	47	20	in	in	ADP
easat-7864	47	21	this	this	DET
easat-7864	47	22	context	context	NOUN
easat-7864	47	23	,	,	PUNCT
easat-7864	47	24	which	which	PRON
easat-7864	47	25	is	be	AUX
easat-7864	47	26	the	the	DET
easat-7864	47	27	reward	reward	NOUN
easat-7864	47	28	when	when	SCONJ
easat-7864	47	29	using	use	VERB
easat-7864	47	30	the	the	DET
easat-7864	47	31	services	service	NOUN
easat-7864	47	32	.	.	PUNCT
easat-7864	48	1	several	several	ADJ
easat-7864	48	2	studies	study	NOUN
easat-7864	48	3	have	have	AUX
easat-7864	48	4	demonstrated	demonstrate	VERB
easat-7864	48	5	that	that	SCONJ
easat-7864	48	6	consumers	consumer	NOUN
easat-7864	48	7	desire	desire	VERB
easat-7864	48	8	electronic	electronic	ADJ
easat-7864	48	9	payment	payment	NOUN
easat-7864	48	10	technology	technology	NOUN
easat-7864	48	11	that	that	PRON
easat-7864	48	12	offers	offer	VERB
easat-7864	48	13	fast	fast	ADJ
easat-7864	48	14	,	,	PUNCT
easat-7864	48	15	secure	secure	ADJ
easat-7864	48	16	,	,	PUNCT
easat-7864	48	17	accessible	accessible	ADJ
easat-7864	48	18	,	,	PUNCT
easat-7864	48	19	and	and	CCONJ
easat-7864	48	20	effective	effective	ADJ
easat-7864	48	21	services	service	NOUN
easat-7864	48	22	on	on	ADP
easat-7864	48	23	a	a	DET
easat-7864	48	24	single	single	ADJ
easat-7864	48	25	platform	platform	NOUN
easat-7864	48	26	.	.	PUNCT
easat-7864	49	1	m	m	NOUN
easat-7864	49	2	-	-	PUNCT
easat-7864	49	3	payment	payment	NOUN
easat-7864	49	4	services	service	NOUN
easat-7864	49	5	are	be	AUX
easat-7864	49	6	defined	define	VERB
easat-7864	49	7	as	as	ADP
easat-7864	49	8	any	any	DET
easat-7864	49	9	system	system	NOUN
easat-7864	49	10	that	that	PRON
easat-7864	49	11	provides	provide	VERB
easat-7864	49	12	financial	financial	ADJ
easat-7864	49	13	transactions	transaction	NOUN
easat-7864	49	14	via	via	ADP
easat-7864	49	15	mobile	mobile	ADJ
easat-7864	49	16	phone	phone	NOUN
easat-7864	49	17	devices	device	NOUN
easat-7864	49	18	and	and	CCONJ
easat-7864	49	19	networks	network	NOUN
easat-7864	49	20	(	(	PUNCT
easat-7864	49	21	e.g.	e.g.	ADV
easat-7864	49	22	[	[	X
easat-7864	49	23	7	7	NUM
easat-7864	49	24	,	,	PUNCT
easat-7864	49	25	8	8	NUM
easat-7864	49	26	]	]	NUM
easat-7864	49	27	)	)	PUNCT
easat-7864	49	28	.	.	PUNCT
easat-7864	50	1	users	user	NOUN
easat-7864	50	2	'	'	PART
easat-7864	50	3	perception	perception	NOUN
easat-7864	50	4	of	of	ADP
easat-7864	50	5	e	e	NOUN
easat-7864	50	6	-	-	NOUN
easat-7864	50	7	payment	payment	NOUN
easat-7864	50	8	systems	system	NOUN
easat-7864	50	9	is	be	AUX
easat-7864	50	10	interactively	interactively	ADV
easat-7864	50	11	linked	link	VERB
easat-7864	50	12	to	to	ADP
easat-7864	50	13	their	their	PRON
easat-7864	50	14	willingness	willingness	NOUN
easat-7864	50	15	to	to	PART
easat-7864	50	16	adopt	adopt	VERB
easat-7864	50	17	them	they	PRON
easat-7864	50	18	.	.	PUNCT
easat-7864	51	1	the	the	DET
easat-7864	51	2	widespread	widespread	ADJ
easat-7864	51	3	acceptance	acceptance	NOUN
easat-7864	51	4	of	of	ADP
easat-7864	51	5	modern	modern	ADJ
easat-7864	51	6	methods	method	NOUN
easat-7864	51	7	like	like	ADP
easat-7864	51	8	apple	apple	NOUN
easat-7864	51	9	pay	pay	NOUN
easat-7864	51	10	illustrates	illustrate	VERB
easat-7864	51	11	how	how	SCONJ
easat-7864	51	12	many	many	ADJ
easat-7864	51	13	consumers	consumer	NOUN
easat-7864	51	14	embrace	embrace	VERB
easat-7864	51	15	modern	modern	ADJ
easat-7864	51	16	technologies	technology	NOUN
easat-7864	51	17	when	when	SCONJ
easat-7864	51	18	they	they	PRON
easat-7864	51	19	perceive	perceive	VERB
easat-7864	51	20	clear	clear	ADJ
easat-7864	51	21	benefits	benefit	NOUN
easat-7864	51	22	.	.	PUNCT
easat-7864	52	1	many	many	ADJ
easat-7864	52	2	researchers	researcher	NOUN
easat-7864	52	3	have	have	AUX
easat-7864	52	4	demonstrated	demonstrate	VERB
easat-7864	52	5	that	that	SCONJ
easat-7864	52	6	online	online	ADJ
easat-7864	52	7	users	user	NOUN
easat-7864	52	8	are	be	AUX
easat-7864	52	9	more	more	ADV
easat-7864	52	10	likely	likely	ADJ
easat-7864	52	11	to	to	PART
easat-7864	52	12	adopt	adopt	VERB
easat-7864	52	13	innovative	innovative	ADJ
easat-7864	52	14	services	service	NOUN
easat-7864	52	15	when	when	SCONJ
easat-7864	52	16	these	these	DET
easat-7864	52	17	services	service	NOUN
easat-7864	52	18	offer	offer	VERB
easat-7864	52	19	recognizable	recognizable	ADJ
easat-7864	52	20	advantages	advantage	NOUN
easat-7864	52	21	and	and	CCONJ
easat-7864	52	22	align	align	VERB
easat-7864	52	23	with	with	ADP
easat-7864	52	24	prior	prior	ADJ
easat-7864	52	25	experiences	experience	NOUN
easat-7864	52	26	.	.	PUNCT
easat-7864	53	1	mortimer	mortimer	PROPN
easat-7864	53	2	,	,	PUNCT
easat-7864	53	3	et	et	PROPN
easat-7864	53	4	al	al	PROPN
easat-7864	53	5	.	.	PUNCT
easat-7864	54	1	[	[	X
easat-7864	54	2	9	9	NUM
easat-7864	54	3	]	]	PUNCT
easat-7864	54	4	suggests	suggest	VERB
easat-7864	54	5	that	that	SCONJ
easat-7864	54	6	consumers	consumer	NOUN
easat-7864	54	7	prefer	prefer	VERB
easat-7864	54	8	payment	payment	NOUN
easat-7864	54	9	systems	system	NOUN
easat-7864	54	10	characterized	characterize	VERB
easat-7864	54	11	by	by	ADP
easat-7864	54	12	simplicity	simplicity	NOUN
easat-7864	54	13	,	,	PUNCT
easat-7864	54	14	speed	speed	NOUN
easat-7864	54	15	,	,	PUNCT
easat-7864	54	16	and	and	CCONJ
easat-7864	54	17	minimal	minimal	ADJ
easat-7864	54	18	complexity	complexity	NOUN
easat-7864	54	19	.	.	PUNCT
easat-7864	55	1	incorporating	incorporate	VERB
easat-7864	55	2	userfriendly	userfriendly	ADV
easat-7864	55	3	designs	design	NOUN
easat-7864	55	4	and	and	CCONJ
easat-7864	55	5	offering	offer	VERB
easat-7864	55	6	multiple	multiple	ADJ
easat-7864	55	7	payment	payment	NOUN
easat-7864	55	8	methods	method	NOUN
easat-7864	55	9	addresses	address	VERB
easat-7864	55	10	the	the	DET
easat-7864	55	11	needs	need	NOUN
easat-7864	55	12	of	of	ADP
easat-7864	55	13	diverse	diverse	ADJ
easat-7864	55	14	users	user	NOUN
easat-7864	55	15	and	and	CCONJ
easat-7864	55	16	contributes	contribute	VERB
easat-7864	55	17	to	to	ADP
easat-7864	55	18	a	a	DET
easat-7864	55	19	positive	positive	ADJ
easat-7864	55	20	impression	impression	NOUN
easat-7864	55	21	of	of	ADP
easat-7864	55	22	e	e	NOUN
easat-7864	55	23	-	-	NOUN
easat-7864	55	24	commerce	commerce	NOUN
easat-7864	55	25	platforms	platform	NOUN
easat-7864	55	26	.	.	PUNCT
easat-7864	56	1	the	the	DET
easat-7864	56	2	following	follow	VERB
easat-7864	56	3	will	will	AUX
easat-7864	56	4	illustrate	illustrate	VERB
easat-7864	56	5	all	all	DET
easat-7864	56	6	significant	significant	ADJ
easat-7864	56	7	factors	factor	NOUN
easat-7864	56	8	that	that	PRON
easat-7864	56	9	influence	influence	VERB
easat-7864	56	10	the	the	DET
easat-7864	56	11	intention	intention	NOUN
easat-7864	56	12	to	to	PART
easat-7864	56	13	use	use	VERB
easat-7864	56	14	e	e	NOUN
easat-7864	56	15	-	-	NOUN
easat-7864	56	16	payment	payment	NOUN
easat-7864	56	17	.	.	PUNCT
easat-7864	57	1	2.2	2.2	NUM
easat-7864	57	2	.	.	PUNCT
easat-7864	57	3	perceived	perceive	VERB
easat-7864	57	4	easy	easy	ADV
easat-7864	57	5	of	of	ADP
easat-7864	57	6	use	use	NOUN
easat-7864	57	7	perceived	perceive	VERB
easat-7864	57	8	ease	ease	NOUN
easat-7864	57	9	of	of	ADP
easat-7864	57	10	use	use	NOUN
easat-7864	57	11	(	(	PUNCT
easat-7864	57	12	eou	eou	PROPN
easat-7864	57	13	)	)	PUNCT
easat-7864	57	14	is	be	AUX
easat-7864	57	15	a	a	DET
easat-7864	57	16	critical	critical	ADJ
easat-7864	57	17	factor	factor	NOUN
easat-7864	57	18	influencing	influence	VERB
easat-7864	57	19	the	the	DET
easat-7864	57	20	adoption	adoption	NOUN
easat-7864	57	21	and	and	CCONJ
easat-7864	57	22	continued	continue	VERB
easat-7864	57	23	use	use	NOUN
easat-7864	57	24	of	of	ADP
easat-7864	57	25	electronic	electronic	ADJ
easat-7864	57	26	payment	payment	NOUN
easat-7864	57	27	(	(	PUNCT
easat-7864	57	28	e	e	NOUN
easat-7864	57	29	-	-	NOUN
easat-7864	57	30	payment	payment	NOUN
easat-7864	57	31	)	)	PUNCT
easat-7864	57	32	systems	system	NOUN
easat-7864	57	33	.	.	PUNCT
easat-7864	58	1	according	accord	VERB
easat-7864	58	2	to	to	ADP
easat-7864	58	3	the	the	DET
easat-7864	58	4	technology	technology	NOUN
easat-7864	58	5	acceptance	acceptance	NOUN
easat-7864	58	6	model	model	NOUN
easat-7864	58	7	(	(	PUNCT
easat-7864	58	8	tam	tam	PROPN
easat-7864	58	9	)	)	PUNCT
easat-7864	58	10	,	,	PUNCT
easat-7864	58	11	eou	eou	PROPN
easat-7864	58	12	refers	refer	VERB
easat-7864	58	13	to	to	ADP
easat-7864	58	14	the	the	DET
easat-7864	58	15	degree	degree	NOUN
easat-7864	58	16	to	to	PART
easat-7864	58	17	which	which	PRON
easat-7864	58	18	a	a	DET
easat-7864	58	19	person	person	NOUN
easat-7864	58	20	believes	believe	VERB
easat-7864	58	21	that	that	SCONJ
easat-7864	58	22	using	use	VERB
easat-7864	58	23	a	a	DET
easat-7864	58	24	particular	particular	ADJ
easat-7864	58	25	system	system	NOUN
easat-7864	58	26	would	would	AUX
easat-7864	58	27	be	be	AUX
easat-7864	58	28	free	free	ADJ
easat-7864	58	29	from	from	ADP
easat-7864	58	30	effort	effort	NOUN
easat-7864	58	31	.	.	PUNCT
easat-7864	59	1	a	a	DET
easat-7864	59	2	key	key	ADJ
easat-7864	59	3	element	element	NOUN
easat-7864	59	4	influencing	influence	VERB
easat-7864	59	5	the	the	DET
easat-7864	59	6	consumer	consumer	NOUN
easat-7864	59	7	attitude	attitude	NOUN
easat-7864	59	8	to	to	PART
easat-7864	59	9	use	use	VERB
easat-7864	59	10	e	e	NOUN
easat-7864	59	11	-	-	NOUN
easat-7864	59	12	payment	payment	NOUN
easat-7864	59	13	is	be	AUX
easat-7864	59	14	ease	ease	NOUN
easat-7864	59	15	of	of	ADP
easat-7864	59	16	use	use	NOUN
easat-7864	59	17	.	.	PUNCT
easat-7864	60	1	for	for	ADP
easat-7864	60	2	an	an	DET
easat-7864	60	3	e	e	NOUN
easat-7864	60	4	-	-	ADJ
easat-7864	60	5	payment	payment	NOUN
easat-7864	60	6	system	system	NOUN
easat-7864	60	7	to	to	PART
easat-7864	60	8	achieve	achieve	VERB
easat-7864	60	9	widespread	widespread	ADJ
easat-7864	60	10	acceptance	acceptance	NOUN
easat-7864	60	11	,	,	PUNCT
easat-7864	60	12	it	it	PRON
easat-7864	60	13	must	must	AUX
easat-7864	60	14	offer	offer	VERB
easat-7864	60	15	a	a	DET
easat-7864	60	16	user	user	NOUN
easat-7864	60	17	-	-	PUNCT
easat-7864	60	18	friendly	friendly	ADJ
easat-7864	60	19	interface	interface	NOUN
easat-7864	60	20	,	,	PUNCT
easat-7864	60	21	with	with	ADP
easat-7864	60	22	intuitive	intuitive	ADJ
easat-7864	60	23	icons	icon	NOUN
easat-7864	60	24	and	and	CCONJ
easat-7864	60	25	clear	clear	ADJ
easat-7864	60	26	guidance	guidance	NOUN
easat-7864	60	27	,	,	PUNCT
easat-7864	60	28	even	even	ADV
easat-7864	60	29	for	for	ADP
easat-7864	60	30	users	user	NOUN
easat-7864	60	31	who	who	PRON
easat-7864	60	32	may	may	AUX
easat-7864	60	33	not	not	PART
easat-7864	60	34	be	be	AUX
easat-7864	60	35	highly	highly	ADV
easat-7864	60	36	proficient	proficient	ADJ
easat-7864	60	37	with	with	ADP
easat-7864	60	38	technology	technology	NOUN
easat-7864	60	39	.	.	PUNCT
easat-7864	61	1	according	accord	VERB
easat-7864	61	2	to	to	ADP
easat-7864	61	3	alyabes	alyabe	NOUN
easat-7864	61	4	and	and	CCONJ
easat-7864	61	5	alsalloum	alsalloum	NOUN
easat-7864	61	6	[	[	X
easat-7864	61	7	10	10	NUM
easat-7864	61	8	]	]	PUNCT
easat-7864	61	9	the	the	DET
easat-7864	61	10	perceived	perceive	VERB
easat-7864	61	11	easy	easy	NOUN
easat-7864	61	12	to	to	PART
easat-7864	61	13	use	use	VERB
easat-7864	61	14	of	of	ADP
easat-7864	61	15	such	such	ADJ
easat-7864	61	16	systems	system	NOUN
easat-7864	61	17	significantly	significantly	ADV
easat-7864	61	18	influences	influence	VERB
easat-7864	61	19	consumers	consumer	NOUN
easat-7864	61	20	'	'	PART
easat-7864	61	21	willingness	willingness	NOUN
easat-7864	61	22	to	to	PART
easat-7864	61	23	adopt	adopt	VERB
easat-7864	61	24	them	they	PRON
easat-7864	61	25	[	[	X
easat-7864	61	26	8	8	NUM
easat-7864	61	27	]	]	PUNCT
easat-7864	61	28	.	.	PUNCT
easat-7864	62	1	ease	ease	NOUN
easat-7864	62	2	of	of	ADP
easat-7864	62	3	use	use	NOUN
easat-7864	62	4	is	be	AUX
easat-7864	62	5	a	a	DET
easat-7864	62	6	critical	critical	ADJ
easat-7864	62	7	factor	factor	NOUN
easat-7864	62	8	that	that	PRON
easat-7864	62	9	significantly	significantly	ADV
easat-7864	62	10	affects	affect	VERB
easat-7864	62	11	the	the	DET
easat-7864	62	12	end	end	NOUN
easat-7864	62	13	-	-	PUNCT
easat-7864	62	14	user	user	NOUN
easat-7864	62	15	experience	experience	NOUN
easat-7864	62	16	.	.	PUNCT
easat-7864	63	1	it	it	PRON
easat-7864	63	2	plays	play	VERB
easat-7864	63	3	a	a	DET
easat-7864	63	4	key	key	ADJ
easat-7864	63	5	role	role	NOUN
easat-7864	63	6	in	in	ADP
easat-7864	63	7	the	the	DET
easat-7864	63	8	success	success	NOUN
easat-7864	63	9	of	of	ADP
easat-7864	63	10	electronic	electronic	ADJ
easat-7864	63	11	payment	payment	NOUN
easat-7864	63	12	systems	system	NOUN
easat-7864	63	13	,	,	PUNCT
easat-7864	63	14	as	as	SCONJ
easat-7864	63	15	users	user	NOUN
easat-7864	63	16	are	be	AUX
easat-7864	63	17	more	more	ADV
easat-7864	63	18	likely	likely	ADJ
easat-7864	63	19	to	to	PART
easat-7864	63	20	adopt	adopt	VERB
easat-7864	63	21	a	a	DET
easat-7864	63	22	system	system	NOUN
easat-7864	63	23	that	that	PRON
easat-7864	63	24	is	be	AUX
easat-7864	63	25	670	670	NUM
easat-7864	63	26	edelweiss	edelweiss	PROPN
easat-7864	63	27	applied	apply	VERB
easat-7864	63	28	science	science	NOUN
easat-7864	63	29	and	and	CCONJ
easat-7864	63	30	technology	technology	NOUN
easat-7864	63	31	issn	issn	PROPN
easat-7864	63	32	:	:	PUNCT
easat-7864	63	33	2576	2576	NUM
easat-7864	63	34	-	-	SYM
easat-7864	63	35	8484	8484	NUM
easat-7864	63	36	vol	vol	NOUN
easat-7864	63	37	.	.	PROPN
easat-7864	64	1	9	9	NUM
easat-7864	64	2	,	,	PUNCT
easat-7864	64	3	no	no	INTJ
easat-7864	64	4	.	.	NOUN
easat-7864	65	1	6	6	NUM
easat-7864	65	2	:	:	PUNCT
easat-7864	65	3	668	668	NUM
easat-7864	65	4	-	-	SYM
easat-7864	65	5	678	678	NUM
easat-7864	65	6	,	,	PUNCT
easat-7864	65	7	2025	2025	NUM
easat-7864	65	8	doi	doi	NOUN
easat-7864	65	9	:	:	PUNCT
easat-7864	65	10	10.55214/25768484.v9i6.7864	10.55214/25768484.v9i6.7864	PROPN
easat-7864	65	11	©	©	PROPN
easat-7864	65	12	2025	2025	NUM
easat-7864	65	13	by	by	ADP
easat-7864	65	14	the	the	DET
easat-7864	65	15	author	author	NOUN
easat-7864	65	16	;	;	PUNCT
easat-7864	65	17	licensee	licensee	NOUN
easat-7864	65	18	learning	learn	VERB
easat-7864	65	19	gate	gate	VERB
easat-7864	65	20	straightforward	straightforward	ADJ
easat-7864	65	21	,	,	PUNCT
easat-7864	65	22	time	time	NOUN
easat-7864	65	23	-	-	PUNCT
easat-7864	65	24	efficient	efficient	ADJ
easat-7864	65	25	,	,	PUNCT
easat-7864	65	26	and	and	CCONJ
easat-7864	65	27	easy	easy	ADJ
easat-7864	65	28	to	to	PART
easat-7864	65	29	navigate	navigate	VERB
easat-7864	65	30	.	.	PUNCT
easat-7864	66	1	when	when	SCONJ
easat-7864	66	2	payment	payment	NOUN
easat-7864	66	3	procedures	procedure	NOUN
easat-7864	66	4	are	be	AUX
easat-7864	66	5	simple	simple	ADJ
easat-7864	66	6	and	and	CCONJ
easat-7864	66	7	clearly	clearly	ADV
easat-7864	66	8	defined	define	VERB
easat-7864	66	9	,	,	PUNCT
easat-7864	66	10	consumers	consumer	NOUN
easat-7864	66	11	are	be	AUX
easat-7864	66	12	more	more	ADV
easat-7864	66	13	inclined	inclined	ADJ
easat-7864	66	14	to	to	PART
easat-7864	66	15	use	use	VERB
easat-7864	66	16	the	the	DET
easat-7864	66	17	system	system	NOUN
easat-7864	66	18	[	[	X
easat-7864	66	19	7	7	NUM
easat-7864	66	20	]	]	PUNCT
easat-7864	66	21	.	.	PUNCT
easat-7864	67	1	it	it	PRON
easat-7864	67	2	can	can	AUX
easat-7864	67	3	be	be	AUX
easat-7864	67	4	argued	argue	VERB
easat-7864	67	5	that	that	SCONJ
easat-7864	67	6	if	if	SCONJ
easat-7864	67	7	the	the	DET
easat-7864	67	8	process	process	NOUN
easat-7864	67	9	is	be	AUX
easat-7864	67	10	complex	complex	ADJ
easat-7864	67	11	and	and	CCONJ
easat-7864	67	12	time	time	NOUN
easat-7864	67	13	-	-	PUNCT
easat-7864	67	14	consuming	consume	VERB
easat-7864	67	15	,	,	PUNCT
easat-7864	67	16	the	the	DET
easat-7864	67	17	likelihood	likelihood	NOUN
easat-7864	67	18	of	of	ADP
easat-7864	67	19	user	user	NOUN
easat-7864	67	20	adoption	adoption	NOUN
easat-7864	67	21	decreases	decrease	VERB
easat-7864	67	22	,	,	PUNCT
easat-7864	67	23	thereby	thereby	ADV
easat-7864	67	24	reducing	reduce	VERB
easat-7864	67	25	the	the	DET
easat-7864	67	26	system	system	NOUN
easat-7864	67	27	's	's	PART
easat-7864	67	28	overall	overall	ADJ
easat-7864	67	29	effectiveness	effectiveness	NOUN
easat-7864	67	30	.	.	PUNCT
easat-7864	68	1	furthermore	furthermore	ADV
easat-7864	68	2	,	,	PUNCT
easat-7864	68	3	ease	ease	NOUN
easat-7864	68	4	of	of	ADP
easat-7864	68	5	use	use	NOUN
easat-7864	68	6	plays	play	VERB
easat-7864	68	7	a	a	DET
easat-7864	68	8	pivotal	pivotal	ADJ
easat-7864	68	9	role	role	NOUN
easat-7864	68	10	in	in	ADP
easat-7864	68	11	shaping	shape	VERB
easat-7864	68	12	the	the	DET
easat-7864	68	13	overall	overall	ADJ
easat-7864	68	14	user	user	NOUN
easat-7864	68	15	experience	experience	NOUN
easat-7864	68	16	.	.	PUNCT
easat-7864	69	1	the	the	DET
easat-7864	69	2	simpler	simple	ADJ
easat-7864	69	3	and	and	CCONJ
easat-7864	69	4	faster	fast	ADV
easat-7864	69	5	the	the	DET
easat-7864	69	6	payment	payment	NOUN
easat-7864	69	7	steps	step	NOUN
easat-7864	69	8	,	,	PUNCT
easat-7864	69	9	the	the	DET
easat-7864	69	10	more	more	ADV
easat-7864	69	11	likely	likely	ADJ
easat-7864	69	12	consumers	consumer	NOUN
easat-7864	69	13	are	be	AUX
easat-7864	69	14	to	to	PART
easat-7864	69	15	view	view	VERB
easat-7864	69	16	the	the	DET
easat-7864	69	17	system	system	NOUN
easat-7864	69	18	favorably	favorably	ADV
easat-7864	69	19	.	.	PUNCT
easat-7864	70	1	on	on	ADP
easat-7864	70	2	the	the	DET
easat-7864	70	3	other	other	ADJ
easat-7864	70	4	hand	hand	NOUN
easat-7864	70	5	,	,	PUNCT
easat-7864	70	6	systems	system	NOUN
easat-7864	70	7	that	that	PRON
easat-7864	70	8	involve	involve	VERB
easat-7864	70	9	complex	complex	ADJ
easat-7864	70	10	procedures	procedure	NOUN
easat-7864	70	11	or	or	CCONJ
easat-7864	70	12	unclear	unclear	ADJ
easat-7864	70	13	instructions	instruction	NOUN
easat-7864	70	14	may	may	AUX
easat-7864	70	15	deter	deter	VERB
easat-7864	70	16	users	user	NOUN
easat-7864	70	17	and	and	CCONJ
easat-7864	70	18	ultimately	ultimately	ADV
easat-7864	70	19	hinder	hinder	VERB
easat-7864	70	20	the	the	DET
easat-7864	70	21	success	success	NOUN
easat-7864	70	22	of	of	ADP
easat-7864	70	23	the	the	DET
easat-7864	70	24	platform	platform	NOUN
easat-7864	70	25	.	.	PUNCT
easat-7864	71	1	thus	thus	ADV
easat-7864	71	2	,	,	PUNCT
easat-7864	71	3	the	the	DET
easat-7864	71	4	design	design	NOUN
easat-7864	71	5	and	and	CCONJ
easat-7864	71	6	usability	usability	NOUN
easat-7864	71	7	of	of	ADP
easat-7864	71	8	the	the	DET
easat-7864	71	9	epayment	epayment	NOUN
easat-7864	71	10	process	process	NOUN
easat-7864	71	11	are	be	AUX
easat-7864	71	12	central	central	ADJ
easat-7864	71	13	to	to	ADP
easat-7864	71	14	its	its	PRON
easat-7864	71	15	adoption	adoption	NOUN
easat-7864	71	16	and	and	CCONJ
easat-7864	71	17	long	long	ADJ
easat-7864	71	18	-	-	PUNCT
easat-7864	71	19	term	term	NOUN
easat-7864	71	20	viability	viability	NOUN
easat-7864	71	21	.	.	PUNCT
easat-7864	72	1	2.3	2.3	NUM
easat-7864	72	2	.	.	PUNCT
easat-7864	73	1	perceived	perceive	VERB
easat-7864	73	2	usefulness	usefulness	NOUN
easat-7864	73	3	perceived	perceive	VERB
easat-7864	73	4	usefulness	usefulness	NOUN
easat-7864	73	5	(	(	PUNCT
easat-7864	73	6	use	use	NOUN
easat-7864	73	7	)	)	PUNCT
easat-7864	73	8	is	be	AUX
easat-7864	73	9	a	a	DET
easat-7864	73	10	pivotal	pivotal	ADJ
easat-7864	73	11	factor	factor	NOUN
easat-7864	73	12	influencing	influence	VERB
easat-7864	73	13	the	the	DET
easat-7864	73	14	adoption	adoption	NOUN
easat-7864	73	15	and	and	CCONJ
easat-7864	73	16	continued	continue	VERB
easat-7864	73	17	use	use	NOUN
easat-7864	73	18	of	of	ADP
easat-7864	73	19	electronic	electronic	ADJ
easat-7864	73	20	payment	payment	NOUN
easat-7864	73	21	(	(	PUNCT
easat-7864	73	22	e	e	NOUN
easat-7864	73	23	-	-	NOUN
easat-7864	73	24	payment	payment	NOUN
easat-7864	73	25	)	)	PUNCT
easat-7864	73	26	systems	system	NOUN
easat-7864	73	27	.	.	PUNCT
easat-7864	74	1	defined	define	VERB
easat-7864	74	2	within	within	ADP
easat-7864	74	3	the	the	DET
easat-7864	74	4	technology	technology	NOUN
easat-7864	74	5	acceptance	acceptance	NOUN
easat-7864	74	6	model	model	NOUN
easat-7864	74	7	(	(	PUNCT
easat-7864	74	8	tam	tam	PROPN
easat-7864	74	9	)	)	PUNCT
easat-7864	74	10	as	as	ADP
easat-7864	74	11	"	"	PUNCT
easat-7864	74	12	the	the	DET
easat-7864	74	13	degree	degree	NOUN
easat-7864	74	14	to	to	PART
easat-7864	74	15	which	which	PRON
easat-7864	74	16	a	a	DET
easat-7864	74	17	person	person	NOUN
easat-7864	74	18	believes	believe	VERB
easat-7864	74	19	that	that	SCONJ
easat-7864	74	20	using	use	VERB
easat-7864	74	21	a	a	DET
easat-7864	74	22	particular	particular	ADJ
easat-7864	74	23	system	system	NOUN
easat-7864	74	24	would	would	AUX
easat-7864	74	25	enhance	enhance	VERB
easat-7864	74	26	their	their	PRON
easat-7864	74	27	job	job	NOUN
easat-7864	74	28	performance	performance	NOUN
easat-7864	74	29	,	,	PUNCT
easat-7864	74	30	"	"	PUNCT
easat-7864	74	31	pu	pu	PROPN
easat-7864	74	32	significantly	significantly	ADV
easat-7864	74	33	shapes	shape	VERB
easat-7864	74	34	user	user	NOUN
easat-7864	74	35	attitudes	attitude	NOUN
easat-7864	74	36	and	and	CCONJ
easat-7864	74	37	behavioral	behavioral	ADJ
easat-7864	74	38	intentions	intention	NOUN
easat-7864	74	39	toward	toward	ADP
easat-7864	74	40	technology	technology	NOUN
easat-7864	74	41	adoption	adoption	NOUN
easat-7864	74	42	.	.	PUNCT
easat-7864	75	1	perceived	perceive	VERB
easat-7864	75	2	usefulness	usefulness	NOUN
easat-7864	75	3	can	can	AUX
easat-7864	75	4	be	be	AUX
easat-7864	75	5	defined	define	VERB
easat-7864	75	6	as	as	ADP
easat-7864	75	7	"	"	PUNCT
easat-7864	75	8	the	the	DET
easat-7864	75	9	degree	degree	NOUN
easat-7864	75	10	to	to	PART
easat-7864	75	11	which	which	PRON
easat-7864	75	12	a	a	DET
easat-7864	75	13	user	user	NOUN
easat-7864	75	14	believes	believe	VERB
easat-7864	75	15	that	that	SCONJ
easat-7864	75	16	using	use	VERB
easat-7864	75	17	a	a	DET
easat-7864	75	18	particular	particular	ADJ
easat-7864	75	19	technology	technology	NOUN
easat-7864	75	20	would	would	AUX
easat-7864	75	21	improve	improve	VERB
easat-7864	75	22	his	his	PRON
easat-7864	75	23	or	or	CCONJ
easat-7864	75	24	her	her	PRON
easat-7864	75	25	job	job	NOUN
easat-7864	75	26	performance	performance	NOUN
easat-7864	75	27	"	"	PUNCT
easat-7864	75	28	[	[	X
easat-7864	75	29	7	7	NUM
easat-7864	75	30	]	]	PUNCT
easat-7864	75	31	.	.	PUNCT
easat-7864	76	1	this	this	DET
easat-7864	76	2	factor	factor	NOUN
easat-7864	76	3	demonstrates	demonstrate	VERB
easat-7864	76	4	that	that	SCONJ
easat-7864	76	5	the	the	DET
easat-7864	76	6	perceived	perceive	VERB
easat-7864	76	7	usefulness	usefulness	NOUN
easat-7864	76	8	of	of	ADP
easat-7864	76	9	modern	modern	ADJ
easat-7864	76	10	technology	technology	NOUN
easat-7864	76	11	plays	play	VERB
easat-7864	76	12	a	a	DET
easat-7864	76	13	vital	vital	ADJ
easat-7864	76	14	role	role	NOUN
easat-7864	76	15	in	in	ADP
easat-7864	76	16	using	use	VERB
easat-7864	76	17	e	e	NOUN
easat-7864	76	18	-	-	NOUN
easat-7864	76	19	payment	payment	NOUN
easat-7864	76	20	.	.	PUNCT
easat-7864	77	1	several	several	ADJ
easat-7864	77	2	studies	study	NOUN
easat-7864	77	3	have	have	AUX
easat-7864	77	4	found	find	VERB
easat-7864	77	5	that	that	SCONJ
easat-7864	77	6	perceived	perceive	VERB
easat-7864	77	7	usefulness	usefulness	NOUN
easat-7864	77	8	positively	positively	ADV
easat-7864	77	9	influences	influence	VERB
easat-7864	77	10	user	user	NOUN
easat-7864	77	11	acceptance	acceptance	NOUN
easat-7864	77	12	of	of	ADP
easat-7864	77	13	e	e	NOUN
easat-7864	77	14	-	-	NOUN
easat-7864	77	15	payment	payment	NOUN
easat-7864	77	16	.	.	PUNCT
easat-7864	78	1	this	this	DET
easat-7864	78	2	study	study	NOUN
easat-7864	78	3	examines	examine	VERB
easat-7864	78	4	the	the	DET
easat-7864	78	5	perceived	perceive	VERB
easat-7864	78	6	usefulness	usefulness	NOUN
easat-7864	78	7	factor	factor	NOUN
easat-7864	78	8	and	and	CCONJ
easat-7864	78	9	presents	present	VERB
easat-7864	78	10	the	the	DET
easat-7864	78	11	relationship	relationship	NOUN
easat-7864	78	12	between	between	ADP
easat-7864	78	13	perceived	perceive	VERB
easat-7864	78	14	usefulness	usefulness	NOUN
easat-7864	78	15	and	and	CCONJ
easat-7864	78	16	consumer	consumer	NOUN
easat-7864	78	17	attitude	attitude	NOUN
easat-7864	78	18	toward	toward	ADP
easat-7864	78	19	e	e	NOUN
easat-7864	78	20	-	-	NOUN
easat-7864	78	21	payment	payment	NOUN
easat-7864	78	22	[	[	X
easat-7864	78	23	7	7	NUM
easat-7864	78	24	]	]	PUNCT
easat-7864	78	25	.	.	PUNCT
easat-7864	79	1	also	also	ADV
easat-7864	79	2	,	,	PUNCT
easat-7864	79	3	identifying	identify	VERB
easat-7864	79	4	the	the	DET
easat-7864	79	5	factors	factor	NOUN
easat-7864	79	6	that	that	PRON
easat-7864	79	7	influence	influence	VERB
easat-7864	79	8	users	user	NOUN
easat-7864	79	9	'	'	PART
easat-7864	79	10	acceptance	acceptance	NOUN
easat-7864	79	11	of	of	ADP
easat-7864	79	12	epayment	epayment	NOUN
easat-7864	79	13	systems	system	NOUN
easat-7864	79	14	is	be	AUX
easat-7864	79	15	essential	essential	ADJ
easat-7864	79	16	for	for	ADP
easat-7864	79	17	understanding	understand	VERB
easat-7864	79	18	consumer	consumer	NOUN
easat-7864	79	19	behavior	behavior	NOUN
easat-7864	79	20	[	[	X
easat-7864	79	21	11	11	NUM
easat-7864	79	22	]	]	PUNCT
easat-7864	79	23	.	.	PUNCT
easat-7864	80	1	this	this	DET
easat-7864	80	2	study	study	NOUN
easat-7864	80	3	specifically	specifically	ADV
easat-7864	80	4	examines	examine	VERB
easat-7864	80	5	the	the	DET
easat-7864	80	6	perceived	perceive	VERB
easat-7864	80	7	usefulness	usefulness	NOUN
easat-7864	80	8	construct	construct	NOUN
easat-7864	80	9	and	and	CCONJ
easat-7864	80	10	analyzes	analyze	VERB
easat-7864	80	11	its	its	PRON
easat-7864	80	12	relationship	relationship	NOUN
easat-7864	80	13	with	with	ADP
easat-7864	80	14	consumers	consumer	NOUN
easat-7864	80	15	’	'	PUNCT
easat-7864	80	16	attitudes	attitude	NOUN
easat-7864	80	17	toward	toward	ADP
easat-7864	80	18	the	the	DET
easat-7864	80	19	adoption	adoption	NOUN
easat-7864	80	20	of	of	ADP
easat-7864	80	21	e	e	NOUN
easat-7864	80	22	-	-	NOUN
easat-7864	80	23	payment	payment	NOUN
easat-7864	80	24	.	.	PUNCT
easat-7864	81	1	hence	hence	ADV
easat-7864	81	2	,	,	PUNCT
easat-7864	81	3	it	it	PRON
easat-7864	81	4	can	can	AUX
easat-7864	81	5	be	be	AUX
easat-7864	81	6	argued	argue	VERB
easat-7864	81	7	that	that	SCONJ
easat-7864	81	8	perceived	perceive	VERB
easat-7864	81	9	usefulness	usefulness	NOUN
easat-7864	81	10	influences	influence	VERB
easat-7864	81	11	consumer	consumer	NOUN
easat-7864	81	12	attitudes	attitude	NOUN
easat-7864	81	13	toward	toward	ADP
easat-7864	81	14	using	use	VERB
easat-7864	81	15	e	e	NOUN
easat-7864	81	16	-	-	NOUN
easat-7864	81	17	payment	payment	NOUN
easat-7864	81	18	.	.	PUNCT
easat-7864	82	1	2.4	2.4	NUM
easat-7864	82	2	.	.	PUNCT
easat-7864	83	1	security	security	NOUN
easat-7864	83	2	security	security	NOUN
easat-7864	83	3	(	(	PUNCT
easat-7864	83	4	sec	sec	PROPN
easat-7864	83	5	)	)	PUNCT
easat-7864	83	6	refers	refer	VERB
easat-7864	83	7	to	to	ADP
easat-7864	83	8	the	the	DET
easat-7864	83	9	extent	extent	NOUN
easat-7864	83	10	to	to	PART
easat-7864	83	11	which	which	PRON
easat-7864	83	12	a	a	DET
easat-7864	83	13	user	user	NOUN
easat-7864	83	14	perceives	perceive	VERB
easat-7864	83	15	that	that	SCONJ
easat-7864	83	16	a	a	DET
easat-7864	83	17	particular	particular	ADJ
easat-7864	83	18	online	online	ADJ
easat-7864	83	19	payment	payment	NOUN
easat-7864	83	20	channel	channel	NOUN
easat-7864	83	21	is	be	AUX
easat-7864	83	22	safe	safe	ADJ
easat-7864	83	23	to	to	PART
easat-7864	83	24	use	use	VERB
easat-7864	83	25	[	[	X
easat-7864	83	26	12	12	NUM
easat-7864	83	27	]	]	PUNCT
easat-7864	83	28	.	.	PUNCT
easat-7864	84	1	security	security	NOUN
easat-7864	84	2	is	be	AUX
easat-7864	84	3	understood	understand	VERB
easat-7864	84	4	as	as	ADP
easat-7864	84	5	the	the	DET
easat-7864	84	6	extent	extent	NOUN
easat-7864	84	7	to	to	PART
easat-7864	84	8	which	which	PRON
easat-7864	84	9	users	user	NOUN
easat-7864	84	10	feel	feel	VERB
easat-7864	84	11	that	that	SCONJ
easat-7864	84	12	using	use	VERB
easat-7864	84	13	a	a	DET
easat-7864	84	14	specific	specific	ADJ
easat-7864	84	15	online	online	ADJ
easat-7864	84	16	payment	payment	NOUN
easat-7864	84	17	method	method	NOUN
easat-7864	84	18	is	be	AUX
easat-7864	84	19	secure	secure	ADJ
easat-7864	84	20	[	[	X
easat-7864	84	21	13	13	NUM
easat-7864	84	22	]	]	PUNCT
easat-7864	84	23	.	.	PUNCT
easat-7864	85	1	since	since	SCONJ
easat-7864	85	2	e	e	NOUN
easat-7864	85	3	-	-	NOUN
easat-7864	85	4	payment	payment	ADJ
easat-7864	85	5	systems	system	NOUN
easat-7864	85	6	require	require	VERB
easat-7864	85	7	the	the	DET
easat-7864	85	8	submission	submission	NOUN
easat-7864	85	9	of	of	ADP
easat-7864	85	10	sensitive	sensitive	ADJ
easat-7864	85	11	data	datum	NOUN
easat-7864	85	12	,	,	PUNCT
easat-7864	85	13	concerns	concern	NOUN
easat-7864	85	14	about	about	ADP
easat-7864	85	15	unauthorized	unauthorized	ADJ
easat-7864	85	16	access	access	NOUN
easat-7864	85	17	and	and	CCONJ
easat-7864	85	18	breaches	breach	NOUN
easat-7864	85	19	are	be	AUX
easat-7864	85	20	common	common	ADJ
easat-7864	85	21	.	.	PUNCT
easat-7864	86	1	while	while	SCONJ
easat-7864	86	2	some	some	DET
easat-7864	86	3	research	research	NOUN
easat-7864	86	4	highlights	highlight	NOUN
easat-7864	86	5	security	security	NOUN
easat-7864	86	6	as	as	ADP
easat-7864	86	7	a	a	DET
easat-7864	86	8	major	major	ADJ
easat-7864	86	9	factor	factor	NOUN
easat-7864	86	10	in	in	ADP
easat-7864	86	11	users	user	NOUN
easat-7864	86	12	'	'	PART
easat-7864	86	13	decisions	decision	NOUN
easat-7864	86	14	to	to	PART
easat-7864	86	15	adopt	adopt	VERB
easat-7864	86	16	e	e	NOUN
easat-7864	86	17	-	-	NOUN
easat-7864	86	18	payment	payment	NOUN
easat-7864	86	19	systems	system	NOUN
easat-7864	86	20	[	[	X
easat-7864	86	21	11	11	NUM
easat-7864	86	22	,	,	PUNCT
easat-7864	86	23	14	14	NUM
easat-7864	86	24	]	]	PUNCT
easat-7864	86	25	.	.	PUNCT
easat-7864	87	1	whereas	whereas	SCONJ
easat-7864	87	2	e	e	NOUN
easat-7864	87	3	-	-	NOUN
easat-7864	87	4	payments	payment	NOUN
easat-7864	87	5	involve	involve	VERB
easat-7864	87	6	entering	enter	VERB
easat-7864	87	7	sensitive	sensitive	ADJ
easat-7864	87	8	personal	personal	ADJ
easat-7864	87	9	information	information	NOUN
easat-7864	87	10	,	,	PUNCT
easat-7864	87	11	users	user	NOUN
easat-7864	87	12	may	may	AUX
easat-7864	87	13	worry	worry	VERB
easat-7864	87	14	about	about	ADP
easat-7864	87	15	potential	potential	ADJ
easat-7864	87	16	unauthorized	unauthorized	ADJ
easat-7864	87	17	access	access	NOUN
easat-7864	87	18	.	.	PUNCT
easat-7864	88	1	research	research	NOUN
easat-7864	88	2	indicates	indicate	VERB
easat-7864	88	3	that	that	SCONJ
easat-7864	88	4	security	security	NOUN
easat-7864	88	5	concerns	concern	NOUN
easat-7864	88	6	are	be	AUX
easat-7864	88	7	a	a	DET
easat-7864	88	8	significant	significant	ADJ
easat-7864	88	9	barrier	barrier	NOUN
easat-7864	88	10	to	to	ADP
easat-7864	88	11	the	the	DET
easat-7864	88	12	adoption	adoption	NOUN
easat-7864	88	13	of	of	ADP
easat-7864	88	14	e	e	NOUN
easat-7864	88	15	-	-	NOUN
easat-7864	88	16	payment	payment	NOUN
easat-7864	88	17	technologies	technology	NOUN
easat-7864	88	18	(	(	PUNCT
easat-7864	89	1	e.g.	e.g.	ADV
easat-7864	89	2	[	[	X
easat-7864	89	3	15	15	NUM
easat-7864	89	4	,	,	PUNCT
easat-7864	89	5	16	16	NUM
easat-7864	89	6	]	]	PUNCT
easat-7864	89	7	)	)	PUNCT
easat-7864	89	8	,	,	PUNCT
easat-7864	89	9	while	while	SCONJ
easat-7864	89	10	others	other	NOUN
easat-7864	89	11	did	do	AUX
easat-7864	89	12	not	not	PART
easat-7864	89	13	raise	raise	VERB
easat-7864	89	14	this	this	DET
easat-7864	89	15	issue	issue	NOUN
easat-7864	90	1	[	[	X
easat-7864	90	2	7	7	NUM
easat-7864	90	3	]	]	PUNCT
easat-7864	90	4	.	.	PUNCT
easat-7864	91	1	other	other	ADJ
easat-7864	91	2	studies	study	NOUN
easat-7864	91	3	suggest	suggest	VERB
easat-7864	91	4	that	that	SCONJ
easat-7864	91	5	its	its	PRON
easat-7864	91	6	impact	impact	NOUN
easat-7864	91	7	may	may	AUX
easat-7864	91	8	vary	vary	VERB
easat-7864	91	9	in	in	ADP
easat-7864	91	10	different	different	ADJ
easat-7864	91	11	contexts	contexts	NOUN
easat-7864	91	12	.	.	PUNCT
easat-7864	92	1	nonetheless	nonetheless	ADV
easat-7864	92	2	,	,	PUNCT
easat-7864	92	3	due	due	ADP
easat-7864	92	4	to	to	ADP
easat-7864	92	5	the	the	DET
easat-7864	92	6	critical	critical	ADJ
easat-7864	92	7	role	role	NOUN
easat-7864	92	8	of	of	ADP
easat-7864	92	9	trust	trust	NOUN
easat-7864	92	10	and	and	CCONJ
easat-7864	92	11	data	datum	NOUN
easat-7864	92	12	protection	protection	NOUN
easat-7864	92	13	in	in	ADP
easat-7864	92	14	online	online	ADJ
easat-7864	92	15	transactions	transaction	NOUN
easat-7864	92	16	,	,	PUNCT
easat-7864	92	17	security	security	NOUN
easat-7864	92	18	concerns	concern	NOUN
easat-7864	92	19	remain	remain	VERB
easat-7864	92	20	a	a	DET
easat-7864	92	21	vital	vital	ADJ
easat-7864	92	22	issue	issue	NOUN
easat-7864	92	23	to	to	PART
easat-7864	92	24	examine	examine	VERB
easat-7864	92	25	in	in	ADP
easat-7864	92	26	this	this	DET
easat-7864	92	27	study	study	NOUN
easat-7864	92	28	,	,	PUNCT
easat-7864	92	29	as	as	SCONJ
easat-7864	92	30	this	this	DET
easat-7864	92	31	research	research	NOUN
easat-7864	92	32	believes	believe	VERB
easat-7864	92	33	that	that	SCONJ
easat-7864	92	34	security	security	NOUN
easat-7864	92	35	concerns	concern	NOUN
easat-7864	92	36	are	be	AUX
easat-7864	92	37	an	an	DET
easat-7864	92	38	important	important	ADJ
easat-7864	92	39	factor	factor	NOUN
easat-7864	92	40	to	to	PART
easat-7864	92	41	explore	explore	VERB
easat-7864	92	42	specifically	specifically	ADV
easat-7864	92	43	in	in	ADP
easat-7864	92	44	consumer	consumer	NOUN
easat-7864	92	45	attitudes	attitude	NOUN
easat-7864	92	46	when	when	SCONJ
easat-7864	92	47	shopping	shop	VERB
easat-7864	92	48	online	online	ADV
easat-7864	92	49	.	.	PUNCT
easat-7864	93	1	it	it	PRON
easat-7864	93	2	can	can	AUX
easat-7864	93	3	be	be	AUX
easat-7864	93	4	argued	argue	VERB
easat-7864	93	5	that	that	SCONJ
easat-7864	93	6	having	have	VERB
easat-7864	93	7	a	a	DET
easat-7864	93	8	highly	highly	ADV
easat-7864	93	9	secure	secure	ADJ
easat-7864	93	10	system	system	NOUN
easat-7864	93	11	to	to	PART
easat-7864	93	12	protect	protect	VERB
easat-7864	93	13	online	online	ADJ
easat-7864	93	14	consumer	consumer	NOUN
easat-7864	93	15	information	information	NOUN
easat-7864	93	16	might	might	AUX
easat-7864	93	17	encourage	encourage	VERB
easat-7864	93	18	consumers	consumer	NOUN
easat-7864	93	19	'	'	PART
easat-7864	93	20	attitudes	attitude	NOUN
easat-7864	93	21	toward	toward	ADP
easat-7864	93	22	using	use	VERB
easat-7864	93	23	e	e	NOUN
easat-7864	93	24	-	-	NOUN
easat-7864	93	25	payments	payment	NOUN
easat-7864	93	26	.	.	PUNCT
easat-7864	94	1	2.5	2.5	NUM
easat-7864	94	2	.	.	PUNCT
easat-7864	95	1	trust	trust	NOUN
easat-7864	95	2	trust	trust	PROPN
easat-7864	95	3	(	(	PUNCT
easat-7864	95	4	tru	tru	PROPN
easat-7864	95	5	)	)	PUNCT
easat-7864	95	6	is	be	AUX
easat-7864	95	7	defined	define	VERB
easat-7864	95	8	as	as	ADP
easat-7864	95	9	the	the	DET
easat-7864	95	10	confidence	confidence	NOUN
easat-7864	95	11	one	one	NUM
easat-7864	95	12	party	party	NOUN
easat-7864	95	13	has	have	VERB
easat-7864	95	14	in	in	ADP
easat-7864	95	15	the	the	DET
easat-7864	95	16	reliability	reliability	NOUN
easat-7864	95	17	and	and	CCONJ
easat-7864	95	18	integrity	integrity	NOUN
easat-7864	95	19	of	of	ADP
easat-7864	95	20	another	another	PRON
easat-7864	95	21	in	in	ADP
easat-7864	95	22	the	the	DET
easat-7864	95	23	context	context	NOUN
easat-7864	95	24	of	of	ADP
easat-7864	95	25	an	an	DET
easat-7864	95	26	exchange	exchange	NOUN
easat-7864	95	27	.	.	PUNCT
easat-7864	96	1	for	for	SCONJ
easat-7864	96	2	users	user	NOUN
easat-7864	96	3	to	to	PART
easat-7864	96	4	adopt	adopt	VERB
easat-7864	96	5	a	a	DET
easat-7864	96	6	new	new	ADJ
easat-7864	96	7	service	service	NOUN
easat-7864	96	8	,	,	PUNCT
easat-7864	96	9	it	it	PRON
easat-7864	96	10	is	be	AUX
easat-7864	96	11	essential	essential	ADJ
easat-7864	96	12	that	that	SCONJ
easat-7864	96	13	they	they	PRON
easat-7864	96	14	perceive	perceive	VERB
easat-7864	96	15	it	it	PRON
easat-7864	96	16	as	as	ADP
easat-7864	96	17	secure	secure	ADJ
easat-7864	96	18	,	,	PUNCT
easat-7864	96	19	trustworthy	trustworthy	ADJ
easat-7864	96	20	,	,	PUNCT
easat-7864	96	21	and	and	CCONJ
easat-7864	96	22	low	low	ADJ
easat-7864	96	23	in	in	ADP
easat-7864	96	24	risk	risk	NOUN
easat-7864	96	25	.	.	PUNCT
easat-7864	97	1	the	the	DET
easat-7864	97	2	trust	trust	NOUN
easat-7864	97	3	is	be	AUX
easat-7864	97	4	the	the	DET
easat-7864	97	5	confidence	confidence	NOUN
easat-7864	97	6	of	of	ADP
easat-7864	97	7	an	an	DET
easat-7864	97	8	individual	individual	NOUN
easat-7864	97	9	or	or	CCONJ
easat-7864	97	10	organization	organization	NOUN
easat-7864	97	11	that	that	PRON
easat-7864	97	12	places	place	VERB
easat-7864	97	13	in	in	ADP
easat-7864	97	14	the	the	DET
easat-7864	97	15	reliability	reliability	NOUN
easat-7864	97	16	,	,	PUNCT
easat-7864	97	17	consistency	consistency	NOUN
easat-7864	97	18	,	,	PUNCT
easat-7864	97	19	and	and	CCONJ
easat-7864	97	20	ethical	ethical	ADJ
easat-7864	97	21	conduct	conduct	NOUN
easat-7864	97	22	of	of	ADP
easat-7864	97	23	another	another	DET
easat-7864	97	24	party	party	NOUN
easat-7864	97	25	within	within	ADP
easat-7864	97	26	a	a	DET
easat-7864	97	27	relationship	relationship	NOUN
easat-7864	97	28	,	,	PUNCT
easat-7864	97	29	along	along	ADP
easat-7864	97	30	with	with	ADP
easat-7864	97	31	the	the	DET
easat-7864	97	32	expectation	expectation	NOUN
easat-7864	97	33	that	that	SCONJ
easat-7864	97	34	their	their	PRON
easat-7864	97	35	actions	action	NOUN
easat-7864	97	36	will	will	AUX
easat-7864	97	37	be	be	AUX
easat-7864	97	38	beneficial	beneficial	ADJ
easat-7864	97	39	and	and	CCONJ
easat-7864	97	40	aligned	align	VERB
easat-7864	97	41	with	with	ADP
easat-7864	97	42	the	the	DET
easat-7864	97	43	trusted	trust	VERB
easat-7864	97	44	party	party	NOUN
easat-7864	97	45	’s	’s	PART
easat-7864	97	46	best	good	ADJ
easat-7864	97	47	interests	interest	NOUN
easat-7864	97	48	[	[	X
easat-7864	97	49	17	17	NUM
easat-7864	97	50	]	]	PUNCT
easat-7864	97	51	.	.	PUNCT
easat-7864	98	1	trust	trust	NOUN
easat-7864	98	2	is	be	AUX
easat-7864	98	3	a	a	DET
easat-7864	98	4	central	central	ADJ
easat-7864	98	5	element	element	NOUN
easat-7864	98	6	in	in	ADP
easat-7864	98	7	online	online	ADJ
easat-7864	98	8	transactions	transaction	NOUN
easat-7864	98	9	,	,	PUNCT
easat-7864	98	10	as	as	SCONJ
easat-7864	98	11	it	it	PRON
easat-7864	98	12	significantly	significantly	ADV
easat-7864	98	13	influences	influence	VERB
easat-7864	98	14	the	the	DET
easat-7864	98	15	successful	successful	ADJ
easat-7864	98	16	exchange	exchange	NOUN
easat-7864	98	17	of	of	ADP
easat-7864	98	18	goods	good	NOUN
easat-7864	98	19	and	and	CCONJ
easat-7864	98	20	services	service	NOUN
easat-7864	98	21	and	and	CCONJ
easat-7864	98	22	is	be	AUX
easat-7864	98	23	closely	closely	ADV
easat-7864	98	24	linked	link	VERB
easat-7864	98	25	to	to	ADP
easat-7864	98	26	customer	customer	NOUN
easat-7864	98	27	satisfaction	satisfaction	NOUN
easat-7864	98	28	.	.	PUNCT
easat-7864	99	1	in	in	ADP
easat-7864	99	2	the	the	DET
easat-7864	99	3	context	context	NOUN
easat-7864	99	4	671	671	NUM
easat-7864	99	5	edelweiss	edelweiss	PROPN
easat-7864	99	6	applied	apply	VERB
easat-7864	99	7	science	science	NOUN
easat-7864	99	8	and	and	CCONJ
easat-7864	99	9	technology	technology	NOUN
easat-7864	99	10	issn	issn	PROPN
easat-7864	99	11	:	:	PUNCT
easat-7864	99	12	2576	2576	NUM
easat-7864	99	13	-	-	SYM
easat-7864	99	14	8484	8484	NUM
easat-7864	99	15	vol	vol	NOUN
easat-7864	99	16	.	.	PROPN
easat-7864	99	17	9	9	NUM
easat-7864	99	18	,	,	PUNCT
easat-7864	99	19	no	no	INTJ
easat-7864	99	20	.	.	NOUN
easat-7864	99	21	6	6	NUM
easat-7864	99	22	:	:	PUNCT
easat-7864	99	23	668	668	NUM
easat-7864	99	24	-	-	SYM
easat-7864	99	25	678	678	NUM
easat-7864	99	26	,	,	PUNCT
easat-7864	99	27	2025	2025	NUM
easat-7864	99	28	doi	doi	NOUN
easat-7864	99	29	:	:	PUNCT
easat-7864	99	30	10.55214/25768484.v9i6.7864	10.55214/25768484.v9i6.7864	PROPN
easat-7864	99	31	©	©	PROPN
easat-7864	99	32	2025	2025	NUM
easat-7864	99	33	by	by	ADP
easat-7864	99	34	the	the	DET
easat-7864	99	35	author	author	NOUN
easat-7864	99	36	;	;	PUNCT
easat-7864	99	37	licensee	licensee	NOUN
easat-7864	99	38	learning	learn	VERB
easat-7864	99	39	gate	gate	NOUN
easat-7864	99	40	of	of	ADP
easat-7864	99	41	online	online	PROPN
easat-7864	99	42	commerce	commerce	PROPN
easat-7864	99	43	,	,	PUNCT
easat-7864	99	44	trust	trust	NOUN
easat-7864	99	45	is	be	AUX
easat-7864	99	46	widely	widely	ADV
easat-7864	99	47	regarded	regard	VERB
easat-7864	99	48	as	as	ADP
easat-7864	99	49	a	a	DET
easat-7864	99	50	crucial	crucial	ADJ
easat-7864	99	51	factor	factor	NOUN
easat-7864	99	52	that	that	PRON
easat-7864	99	53	underpins	underpin	VERB
easat-7864	99	54	effective	effective	ADJ
easat-7864	99	55	transactions	transaction	NOUN
easat-7864	99	56	between	between	ADP
easat-7864	99	57	buyers	buyer	NOUN
easat-7864	99	58	and	and	CCONJ
easat-7864	99	59	sellers	seller	NOUN
easat-7864	99	60	,	,	PUNCT
easat-7864	99	61	ultimately	ultimately	ADV
easat-7864	99	62	shaping	shape	VERB
easat-7864	99	63	the	the	DET
easat-7864	99	64	customer	customer	NOUN
easat-7864	99	65	’s	’s	PART
easat-7864	99	66	level	level	NOUN
easat-7864	99	67	of	of	ADP
easat-7864	99	68	satisfaction	satisfaction	NOUN
easat-7864	99	69	[	[	X
easat-7864	99	70	18	18	NUM
easat-7864	99	71	]	]	PUNCT
easat-7864	99	72	.	.	PUNCT
easat-7864	100	1	a	a	DET
easat-7864	100	2	substantial	substantial	ADJ
easat-7864	100	3	body	body	NOUN
easat-7864	100	4	of	of	ADP
easat-7864	100	5	research	research	NOUN
easat-7864	100	6	has	have	AUX
easat-7864	100	7	consistently	consistently	ADV
easat-7864	100	8	demonstrated	demonstrate	VERB
easat-7864	100	9	that	that	SCONJ
easat-7864	100	10	trust	trust	NOUN
easat-7864	100	11	has	have	VERB
easat-7864	100	12	a	a	DET
easat-7864	100	13	significant	significant	ADJ
easat-7864	100	14	,	,	PUNCT
easat-7864	100	15	positive	positive	ADJ
easat-7864	100	16	impact	impact	NOUN
easat-7864	100	17	on	on	ADP
easat-7864	100	18	users	user	NOUN
easat-7864	100	19	'	'	PART
easat-7864	100	20	intentions	intention	NOUN
easat-7864	100	21	to	to	PART
easat-7864	100	22	adopt	adopt	VERB
easat-7864	100	23	e	e	NOUN
easat-7864	100	24	-	-	NOUN
easat-7864	100	25	payment	payment	NOUN
easat-7864	100	26	systems	system	NOUN
easat-7864	100	27	(	(	PUNCT
easat-7864	100	28	e.g.	e.g.	ADV
easat-7864	100	29	akbar	akbar	NOUN
easat-7864	100	30	,	,	PUNCT
easat-7864	100	31	et	et	PROPN
easat-7864	100	32	al	al	PROPN
easat-7864	100	33	.	.	PUNCT
easat-7864	101	1	[	[	X
easat-7864	101	2	18	18	NUM
easat-7864	101	3	]	]	NUM
easat-7864	101	4	)	)	PUNCT
easat-7864	101	5	.	.	PUNCT
easat-7864	102	1	trust	trust	NOUN
easat-7864	102	2	is	be	AUX
easat-7864	102	3	established	establish	VERB
easat-7864	102	4	when	when	SCONJ
easat-7864	102	5	an	an	DET
easat-7864	102	6	individual	individual	NOUN
easat-7864	102	7	believes	believe	VERB
easat-7864	102	8	in	in	ADP
easat-7864	102	9	the	the	DET
easat-7864	102	10	reliability	reliability	NOUN
easat-7864	102	11	and	and	CCONJ
easat-7864	102	12	integrity	integrity	NOUN
easat-7864	102	13	of	of	ADP
easat-7864	102	14	their	their	PRON
easat-7864	102	15	exchange	exchange	NOUN
easat-7864	102	16	partner	partner	NOUN
easat-7864	102	17	.	.	PUNCT
easat-7864	103	1	for	for	SCONJ
easat-7864	103	2	users	user	NOUN
easat-7864	103	3	to	to	PART
easat-7864	103	4	adopt	adopt	VERB
easat-7864	103	5	a	a	DET
easat-7864	103	6	new	new	ADJ
easat-7864	103	7	service	service	NOUN
easat-7864	103	8	,	,	PUNCT
easat-7864	103	9	they	they	PRON
easat-7864	103	10	must	must	AUX
easat-7864	103	11	feel	feel	VERB
easat-7864	103	12	secure	secure	ADJ
easat-7864	103	13	,	,	PUNCT
easat-7864	103	14	comfortable	comfortable	ADJ
easat-7864	103	15	,	,	PUNCT
easat-7864	103	16	and	and	CCONJ
easat-7864	103	17	experience	experience	NOUN
easat-7864	103	18	minimal	minimal	ADJ
easat-7864	103	19	perceived	perceive	VERB
easat-7864	103	20	risk	risk	NOUN
easat-7864	103	21	.	.	PUNCT
easat-7864	104	1	numerous	numerous	ADJ
easat-7864	104	2	studies	study	NOUN
easat-7864	104	3	have	have	AUX
easat-7864	104	4	confirmed	confirm	VERB
easat-7864	104	5	that	that	SCONJ
easat-7864	104	6	trust	trust	NOUN
easat-7864	104	7	positively	positively	ADV
easat-7864	104	8	influences	influence	VERB
easat-7864	104	9	users	user	NOUN
easat-7864	104	10	'	'	PART
easat-7864	104	11	intentions	intention	NOUN
easat-7864	104	12	to	to	PART
easat-7864	104	13	engage	engage	VERB
easat-7864	104	14	in	in	ADP
easat-7864	104	15	electronic	electronic	ADJ
easat-7864	104	16	payment	payment	NOUN
easat-7864	104	17	systems	system	NOUN
easat-7864	104	18	[	[	X
easat-7864	104	19	7	7	NUM
easat-7864	104	20	]	]	PUNCT
easat-7864	104	21	.	.	PUNCT
easat-7864	105	1	2.6	2.6	NUM
easat-7864	105	2	.	.	PUNCT
easat-7864	106	1	e	e	X
easat-7864	106	2	-	-	NOUN
easat-7864	106	3	payment	payment	ADJ
easat-7864	106	4	reward	reward	NOUN
easat-7864	106	5	rewards	reward	VERB
easat-7864	106	6	(	(	PUNCT
easat-7864	106	7	rew	rew	NOUN
easat-7864	106	8	)	)	PUNCT
easat-7864	106	9	can	can	AUX
easat-7864	106	10	be	be	AUX
easat-7864	106	11	defined	define	VERB
easat-7864	106	12	as	as	ADP
easat-7864	106	13	the	the	DET
easat-7864	106	14	expected	expect	VERB
easat-7864	106	15	advantages	advantage	NOUN
easat-7864	106	16	individuals	individual	NOUN
easat-7864	106	17	perceive	perceive	VERB
easat-7864	106	18	as	as	ADP
easat-7864	106	19	resulting	result	VERB
easat-7864	106	20	from	from	ADP
easat-7864	106	21	performing	perform	VERB
easat-7864	106	22	certain	certain	ADJ
easat-7864	106	23	actions	action	NOUN
easat-7864	106	24	[	[	X
easat-7864	106	25	19	19	NUM
easat-7864	106	26	]	]	PUNCT
easat-7864	106	27	.	.	PUNCT
easat-7864	107	1	to	to	PART
easat-7864	107	2	gain	gain	VERB
easat-7864	107	3	rewards	reward	NOUN
easat-7864	107	4	or	or	CCONJ
easat-7864	107	5	incentives	incentive	NOUN
easat-7864	107	6	,	,	PUNCT
easat-7864	107	7	consumers	consumer	NOUN
easat-7864	107	8	are	be	AUX
easat-7864	107	9	prepared	prepare	VERB
easat-7864	107	10	to	to	PART
easat-7864	107	11	invest	invest	VERB
easat-7864	107	12	effort	effort	VERB
easat-7864	107	13	kim	kim	PROPN
easat-7864	107	14	and	and	CCONJ
easat-7864	107	15	han	han	PROPN
easat-7864	108	1	[	[	X
easat-7864	108	2	20	20	NUM
easat-7864	108	3	]	]	PUNCT
easat-7864	108	4	.	.	PUNCT
easat-7864	109	1	malik	malik	PROPN
easat-7864	109	2	and	and	CCONJ
easat-7864	109	3	annuar	annuar	ADJ
easat-7864	110	1	[	[	X
easat-7864	110	2	21	21	NUM
easat-7864	110	3	]	]	PUNCT
easat-7864	110	4	found	find	VERB
easat-7864	110	5	in	in	ADP
easat-7864	110	6	their	their	PRON
easat-7864	110	7	study	study	NOUN
easat-7864	110	8	that	that	SCONJ
easat-7864	110	9	the	the	DET
easat-7864	110	10	reward	reward	NOUN
easat-7864	110	11	has	have	VERB
easat-7864	110	12	a	a	DET
easat-7864	110	13	positive	positive	ADJ
easat-7864	110	14	effect	effect	NOUN
easat-7864	110	15	on	on	ADP
easat-7864	110	16	intention	intention	NOUN
easat-7864	110	17	to	to	PART
easat-7864	110	18	use	use	VERB
easat-7864	110	19	digital	digital	ADJ
easat-7864	110	20	payment	payment	NOUN
easat-7864	110	21	.	.	PUNCT
easat-7864	111	1	the	the	DET
easat-7864	111	2	likelihood	likelihood	NOUN
easat-7864	111	3	of	of	ADP
easat-7864	111	4	consumers	consumer	NOUN
easat-7864	111	5	adopting	adopt	VERB
easat-7864	111	6	e	e	NOUN
easat-7864	111	7	-	-	NOUN
easat-7864	111	8	payment	payment	NOUN
easat-7864	111	9	over	over	ADP
easat-7864	111	10	traditional	traditional	ADJ
easat-7864	111	11	methods	method	NOUN
easat-7864	111	12	increases	increase	NOUN
easat-7864	111	13	when	when	SCONJ
easat-7864	111	14	they	they	PRON
easat-7864	111	15	perceive	perceive	VERB
easat-7864	111	16	greater	great	ADJ
easat-7864	111	17	benefits	benefit	NOUN
easat-7864	111	18	,	,	PUNCT
easat-7864	111	19	which	which	PRON
easat-7864	111	20	are	be	AUX
easat-7864	111	21	understood	understand	VERB
easat-7864	111	22	as	as	ADP
easat-7864	111	23	the	the	DET
easat-7864	111	24	expected	expect	VERB
easat-7864	111	25	advantages	advantage	NOUN
easat-7864	111	26	derived	derive	VERB
easat-7864	111	27	from	from	ADP
easat-7864	111	28	using	use	VERB
easat-7864	111	29	the	the	DET
easat-7864	111	30	new	new	ADJ
easat-7864	111	31	system	system	NOUN
easat-7864	111	32	.	.	PUNCT
easat-7864	112	1	consumers	consumer	NOUN
easat-7864	112	2	are	be	AUX
easat-7864	112	3	generally	generally	ADV
easat-7864	112	4	motivated	motivate	VERB
easat-7864	112	5	by	by	ADP
easat-7864	112	6	economic	economic	ADJ
easat-7864	112	7	benefits	benefit	NOUN
easat-7864	112	8	,	,	PUNCT
easat-7864	112	9	making	make	VERB
easat-7864	112	10	rewards	reward	VERB
easat-7864	112	11	a	a	DET
easat-7864	112	12	critical	critical	ADJ
easat-7864	112	13	factor	factor	NOUN
easat-7864	112	14	in	in	ADP
easat-7864	112	15	influencing	influence	VERB
easat-7864	112	16	their	their	PRON
easat-7864	112	17	decision	decision	NOUN
easat-7864	112	18	-	-	PUNCT
easat-7864	112	19	making	making	NOUN
easat-7864	112	20	.	.	PUNCT
easat-7864	113	1	rewards	reward	NOUN
easat-7864	113	2	can	can	AUX
easat-7864	113	3	take	take	VERB
easat-7864	113	4	various	various	ADJ
easat-7864	113	5	forms	form	NOUN
easat-7864	113	6	,	,	PUNCT
easat-7864	113	7	such	such	ADJ
easat-7864	113	8	as	as	ADP
easat-7864	113	9	promotional	promotional	ADJ
easat-7864	113	10	offers	offer	NOUN
easat-7864	113	11	,	,	PUNCT
easat-7864	113	12	incentives	incentive	NOUN
easat-7864	113	13	,	,	PUNCT
easat-7864	113	14	discounts	discount	NOUN
easat-7864	113	15	,	,	PUNCT
easat-7864	113	16	exclusive	exclusive	ADJ
easat-7864	113	17	deals	deal	NOUN
easat-7864	113	18	,	,	PUNCT
easat-7864	113	19	collecting	collect	VERB
easat-7864	113	20	points	point	NOUN
easat-7864	113	21	on	on	ADP
easat-7864	113	22	a	a	DET
easat-7864	113	23	credit	credit	NOUN
easat-7864	113	24	card	card	NOUN
easat-7864	113	25	,	,	PUNCT
easat-7864	113	26	an	an	DET
easat-7864	113	27	extra	extra	ADJ
easat-7864	113	28	discount	discount	NOUN
easat-7864	113	29	when	when	SCONJ
easat-7864	113	30	using	use	VERB
easat-7864	113	31	e	e	NOUN
easat-7864	113	32	-	-	NOUN
easat-7864	113	33	payment	payment	NOUN
easat-7864	113	34	,	,	PUNCT
easat-7864	113	35	and	and	CCONJ
easat-7864	113	36	cash	cash	VERB
easat-7864	113	37	back	back	ADV
easat-7864	113	38	.	.	PUNCT
easat-7864	114	1	these	these	DET
easat-7864	114	2	benefits	benefit	NOUN
easat-7864	114	3	play	play	VERB
easat-7864	114	4	a	a	DET
easat-7864	114	5	significant	significant	ADJ
easat-7864	114	6	role	role	NOUN
easat-7864	114	7	in	in	ADP
easat-7864	114	8	encouraging	encourage	VERB
easat-7864	114	9	consumer	consumer	NOUN
easat-7864	114	10	engagement	engagement	NOUN
easat-7864	114	11	and	and	CCONJ
easat-7864	114	12	enhancing	enhance	VERB
easat-7864	114	13	their	their	PRON
easat-7864	114	14	willingness	willingness	NOUN
easat-7864	114	15	to	to	PART
easat-7864	114	16	adopt	adopt	VERB
easat-7864	114	17	electronic	electronic	ADJ
easat-7864	114	18	payment	payment	NOUN
easat-7864	114	19	systems	system	NOUN
easat-7864	114	20	.	.	PUNCT
easat-7864	115	1	therefore	therefore	ADV
easat-7864	115	2	,	,	PUNCT
easat-7864	115	3	it	it	PRON
easat-7864	115	4	can	can	AUX
easat-7864	115	5	be	be	AUX
easat-7864	115	6	said	say	VERB
easat-7864	115	7	that	that	SCONJ
easat-7864	115	8	the	the	DET
easat-7864	115	9	e	e	NOUN
easat-7864	115	10	-	-	ADJ
easat-7864	115	11	payment	payment	ADJ
easat-7864	115	12	reward	reward	NOUN
easat-7864	115	13	influences	influence	VERB
easat-7864	115	14	consumers	consumer	NOUN
easat-7864	115	15	’	'	PUNCT
easat-7864	115	16	attitudes	attitude	NOUN
easat-7864	115	17	towards	towards	ADP
easat-7864	115	18	using	use	VERB
easat-7864	115	19	electronic	electronic	ADJ
easat-7864	115	20	payment	payment	NOUN
easat-7864	115	21	.	.	PUNCT
easat-7864	116	1	2.7	2.7	NUM
easat-7864	116	2	.	.	PUNCT
easat-7864	116	3	attitude	attitude	NOUN
easat-7864	116	4	attitude	attitude	NOUN
easat-7864	116	5	(	(	PUNCT
easat-7864	116	6	att	att	PROPN
easat-7864	116	7	)	)	PUNCT
easat-7864	116	8	refers	refer	VERB
easat-7864	116	9	to	to	ADP
easat-7864	116	10	an	an	DET
easat-7864	116	11	individual	individual	NOUN
easat-7864	116	12	's	's	PART
easat-7864	116	13	positive	positive	ADJ
easat-7864	116	14	or	or	CCONJ
easat-7864	116	15	negative	negative	ADJ
easat-7864	116	16	feelings	feeling	NOUN
easat-7864	116	17	towards	towards	ADP
easat-7864	116	18	a	a	DET
easat-7864	116	19	particular	particular	ADJ
easat-7864	116	20	behavior	behavior	NOUN
easat-7864	116	21	,	,	PUNCT
easat-7864	116	22	especially	especially	ADV
easat-7864	116	23	when	when	SCONJ
easat-7864	116	24	adopting	adopt	VERB
easat-7864	116	25	new	new	ADJ
easat-7864	116	26	technology	technology	NOUN
easat-7864	116	27	svenningsson	svenningsson	NOUN
easat-7864	116	28	,	,	PUNCT
easat-7864	116	29	et	et	PROPN
easat-7864	116	30	al	al	PROPN
easat-7864	116	31	.	.	PUNCT
easat-7864	117	1	[	[	X
easat-7864	117	2	22	22	NUM
easat-7864	117	3	]	]	PUNCT
easat-7864	117	4	.	.	PUNCT
easat-7864	118	1	davis	davis	PROPN
easat-7864	119	1	[	[	X
easat-7864	119	2	2	2	NUM
easat-7864	119	3	]	]	PUNCT
easat-7864	119	4	suggested	suggest	VERB
easat-7864	119	5	that	that	SCONJ
easat-7864	119	6	users	user	NOUN
easat-7864	119	7	'	'	PART
easat-7864	119	8	belief	belief	NOUN
easat-7864	119	9	is	be	AUX
easat-7864	119	10	directly	directly	ADV
easat-7864	119	11	related	relate	VERB
easat-7864	119	12	to	to	ADP
easat-7864	119	13	technology	technology	NOUN
easat-7864	119	14	's	's	PART
easat-7864	119	15	usefulness	usefulness	NOUN
easat-7864	119	16	,	,	PUNCT
easat-7864	119	17	attitude	attitude	NOUN
easat-7864	119	18	,	,	PUNCT
easat-7864	119	19	and	and	CCONJ
easat-7864	119	20	the	the	DET
easat-7864	119	21	intention	intention	NOUN
easat-7864	119	22	to	to	PART
easat-7864	119	23	use	use	VERB
easat-7864	119	24	a	a	DET
easat-7864	119	25	technology	technology	NOUN
easat-7864	119	26	.	.	PUNCT
easat-7864	120	1	therefore	therefore	ADV
easat-7864	120	2	,	,	PUNCT
easat-7864	120	3	it	it	PRON
easat-7864	120	4	can	can	AUX
easat-7864	120	5	be	be	AUX
easat-7864	120	6	argued	argue	VERB
easat-7864	120	7	that	that	SCONJ
easat-7864	120	8	attitude	attitude	NOUN
easat-7864	120	9	significantly	significantly	ADV
easat-7864	120	10	influences	influence	VERB
easat-7864	120	11	consumers	consumer	NOUN
easat-7864	120	12	'	'	PART
easat-7864	120	13	intentions	intention	NOUN
easat-7864	120	14	to	to	PART
easat-7864	120	15	use	use	VERB
easat-7864	120	16	e	e	NOUN
easat-7864	120	17	-	-	NOUN
easat-7864	120	18	payment	payment	NOUN
easat-7864	120	19	systems	system	NOUN
easat-7864	120	20	,	,	PUNCT
easat-7864	120	21	consistent	consistent	ADJ
easat-7864	120	22	with	with	ADP
easat-7864	120	23	other	other	ADJ
easat-7864	120	24	researchers	researcher	NOUN
easat-7864	120	25	,	,	PUNCT
easat-7864	120	26	which	which	PRON
easat-7864	120	27	defines	define	VERB
easat-7864	120	28	intention	intention	NOUN
easat-7864	120	29	as	as	ADP
easat-7864	120	30	an	an	DET
easat-7864	120	31	individual	individual	NOUN
easat-7864	120	32	's	's	PART
easat-7864	120	33	propensity	propensity	NOUN
easat-7864	120	34	to	to	PART
easat-7864	120	35	adopt	adopt	VERB
easat-7864	120	36	and	and	CCONJ
easat-7864	120	37	engage	engage	VERB
easat-7864	120	38	with	with	ADP
easat-7864	120	39	new	new	ADJ
easat-7864	120	40	technologies	technology	NOUN
easat-7864	120	41	(	(	PUNCT
easat-7864	120	42	e.g.	e.g.	ADV
easat-7864	120	43	[	[	X
easat-7864	120	44	23	23	NUM
easat-7864	120	45	,	,	PUNCT
easat-7864	120	46	24	24	NUM
easat-7864	120	47	]	]	PUNCT
easat-7864	120	48	)	)	PUNCT
easat-7864	120	49	in	in	ADP
easat-7864	120	50	the	the	DET
easat-7864	120	51	context	context	NOUN
easat-7864	120	52	of	of	ADP
easat-7864	120	53	e	e	NOUN
easat-7864	120	54	-	-	NOUN
easat-7864	120	55	payment	payment	ADJ
easat-7864	120	56	,	,	PUNCT
easat-7864	120	57	numerous	numerous	ADJ
easat-7864	120	58	studies	study	NOUN
easat-7864	120	59	have	have	AUX
easat-7864	120	60	established	establish	VERB
easat-7864	120	61	a	a	DET
easat-7864	120	62	strong	strong	ADJ
easat-7864	120	63	relationship	relationship	NOUN
easat-7864	120	64	between	between	ADP
easat-7864	120	65	attitude	attitude	NOUN
easat-7864	120	66	and	and	CCONJ
easat-7864	120	67	behavioral	behavioral	ADJ
easat-7864	120	68	intention	intention	NOUN
easat-7864	120	69	[	[	X
easat-7864	120	70	25	25	NUM
easat-7864	120	71	]	]	PUNCT
easat-7864	120	72	.	.	PUNCT
easat-7864	121	1	in	in	ADP
easat-7864	121	2	conclusion	conclusion	NOUN
easat-7864	121	3	,	,	PUNCT
easat-7864	121	4	this	this	DET
easat-7864	121	5	research	research	NOUN
easat-7864	121	6	argues	argue	VERB
easat-7864	121	7	that	that	SCONJ
easat-7864	121	8	attitude	attitude	NOUN
easat-7864	121	9	is	be	AUX
easat-7864	121	10	influenced	influence	VERB
easat-7864	121	11	by	by	ADP
easat-7864	121	12	easy	easy	ADJ
easat-7864	121	13	use	use	NOUN
easat-7864	121	14	,	,	PUNCT
easat-7864	121	15	usefulness	usefulness	NOUN
easat-7864	121	16	,	,	PUNCT
easat-7864	121	17	trust	trust	NOUN
easat-7864	121	18	,	,	PUNCT
easat-7864	121	19	security	security	NOUN
easat-7864	121	20	,	,	PUNCT
easat-7864	121	21	and	and	CCONJ
easat-7864	121	22	reward	reward	VERB
easat-7864	121	23	influence	influence	NOUN
easat-7864	121	24	the	the	DET
easat-7864	121	25	intent	intent	NOUN
easat-7864	121	26	to	to	PART
easat-7864	121	27	use	use	VERB
easat-7864	121	28	e	e	NOUN
easat-7864	121	29	-	-	NOUN
easat-7864	121	30	payment	payment	NOUN
easat-7864	121	31	.	.	PUNCT
easat-7864	122	1	recent	recent	ADJ
easat-7864	122	2	research	research	NOUN
easat-7864	122	3	finds	find	VERB
easat-7864	122	4	that	that	SCONJ
easat-7864	122	5	there	there	PRON
easat-7864	122	6	is	be	VERB
easat-7864	122	7	a	a	DET
easat-7864	122	8	statistically	statistically	ADV
easat-7864	122	9	significant	significant	ADJ
easat-7864	122	10	influence	influence	NOUN
easat-7864	122	11	of	of	ADP
easat-7864	122	12	perceived	perceive	VERB
easat-7864	122	13	easy	easy	ADJ
easat-7864	122	14	use	use	NOUN
easat-7864	122	15	and	and	CCONJ
easat-7864	122	16	perceived	perceive	VERB
easat-7864	122	17	usefulness	usefulness	NOUN
easat-7864	122	18	on	on	ADP
easat-7864	122	19	consumers	consumer	NOUN
easat-7864	122	20	'	'	PART
easat-7864	122	21	attitude	attitude	NOUN
easat-7864	122	22	[	[	X
easat-7864	122	23	6	6	NUM
easat-7864	122	24	]	]	PUNCT
easat-7864	122	25	but	but	CCONJ
easat-7864	122	26	did	do	AUX
easat-7864	122	27	not	not	PART
easat-7864	122	28	examine	examine	VERB
easat-7864	122	29	whether	whether	SCONJ
easat-7864	122	30	other	other	ADJ
easat-7864	122	31	factors	factor	NOUN
easat-7864	122	32	such	such	ADJ
easat-7864	122	33	as	as	ADP
easat-7864	122	34	security	security	NOUN
easat-7864	122	35	,	,	PUNCT
easat-7864	122	36	trust	trust	NOUN
easat-7864	122	37	,	,	PUNCT
easat-7864	122	38	and	and	CCONJ
easat-7864	122	39	reward	reward	VERB
easat-7864	122	40	influence	influence	NOUN
easat-7864	122	41	consumer	consumer	NOUN
easat-7864	122	42	attitude	attitude	NOUN
easat-7864	122	43	.	.	PUNCT
easat-7864	123	1	in	in	ADP
easat-7864	123	2	the	the	DET
easat-7864	123	3	same	same	ADJ
easat-7864	123	4	research	research	NOUN
easat-7864	123	5	,	,	PUNCT
easat-7864	123	6	it	it	PRON
easat-7864	123	7	was	be	AUX
easat-7864	123	8	found	find	VERB
easat-7864	123	9	that	that	SCONJ
easat-7864	123	10	there	there	PRON
easat-7864	123	11	is	be	VERB
easat-7864	123	12	a	a	DET
easat-7864	123	13	strong	strong	ADJ
easat-7864	123	14	influence	influence	NOUN
easat-7864	123	15	between	between	ADP
easat-7864	123	16	attitude	attitude	NOUN
easat-7864	123	17	and	and	CCONJ
easat-7864	123	18	intent	intent	NOUN
easat-7864	123	19	to	to	PART
easat-7864	123	20	use	use	VERB
easat-7864	123	21	epayment	epayment	NOUN
easat-7864	123	22	.	.	PUNCT
easat-7864	124	1	accordingly	accordingly	ADV
easat-7864	124	2	,	,	PUNCT
easat-7864	124	3	based	base	VERB
easat-7864	124	4	on	on	ADP
easat-7864	124	5	theoretical	theoretical	ADJ
easat-7864	124	6	foundations	foundation	NOUN
easat-7864	124	7	,	,	PUNCT
easat-7864	124	8	the	the	DET
easat-7864	124	9	following	follow	VERB
easat-7864	124	10	hypotheses	hypothesis	NOUN
easat-7864	124	11	are	be	AUX
easat-7864	124	12	proposed	propose	VERB
easat-7864	124	13	:	:	PUNCT
easat-7864	124	14	h1	h1	PROPN
easat-7864	124	15	:	:	PUNCT
easat-7864	124	16	perceived	perceive	VERB
easat-7864	124	17	ease	ease	NOUN
easat-7864	124	18	of	of	ADP
easat-7864	124	19	use	use	NOUN
easat-7864	124	20	has	have	VERB
easat-7864	124	21	a	a	DET
easat-7864	124	22	positive	positive	ADJ
easat-7864	124	23	and	and	CCONJ
easat-7864	124	24	significant	significant	ADJ
easat-7864	124	25	effect	effect	NOUN
easat-7864	124	26	on	on	ADP
easat-7864	124	27	consumers	consumer	NOUN
easat-7864	124	28	’	'	PUNCT
easat-7864	124	29	attitude	attitude	NOUN
easat-7864	124	30	.	.	PUNCT
easat-7864	125	1	h2	h2	NOUN
easat-7864	125	2	:	:	PUNCT
easat-7864	125	3	perceived	perceive	VERB
easat-7864	125	4	usefulness	usefulness	NOUN
easat-7864	125	5	has	have	VERB
easat-7864	125	6	a	a	DET
easat-7864	125	7	positive	positive	ADJ
easat-7864	125	8	and	and	CCONJ
easat-7864	125	9	significant	significant	ADJ
easat-7864	125	10	effect	effect	NOUN
easat-7864	125	11	on	on	ADP
easat-7864	125	12	consumers	consumer	NOUN
easat-7864	125	13	’	'	PUNCT
easat-7864	125	14	attitude	attitude	NOUN
easat-7864	125	15	.	.	PUNCT
easat-7864	126	1	h3	h3	NOUN
easat-7864	126	2	:	:	PUNCT
easat-7864	126	3	trust	trust	NOUN
easat-7864	126	4	has	have	VERB
easat-7864	126	5	a	a	DET
easat-7864	126	6	positive	positive	ADJ
easat-7864	126	7	and	and	CCONJ
easat-7864	126	8	significant	significant	ADJ
easat-7864	126	9	effect	effect	NOUN
easat-7864	126	10	on	on	ADP
easat-7864	126	11	consumers	consumer	NOUN
easat-7864	126	12	’	'	PUNCT
easat-7864	126	13	attitude	attitude	NOUN
easat-7864	126	14	.	.	PUNCT
easat-7864	127	1	h4	h4	NOUN
easat-7864	127	2	:	:	PUNCT
easat-7864	127	3	security	security	NOUN
easat-7864	127	4	has	have	VERB
easat-7864	127	5	a	a	DET
easat-7864	127	6	positive	positive	ADJ
easat-7864	127	7	and	and	CCONJ
easat-7864	127	8	significant	significant	ADJ
easat-7864	127	9	effect	effect	NOUN
easat-7864	127	10	on	on	ADP
easat-7864	127	11	consumers	consumer	NOUN
easat-7864	127	12	’	'	PUNCT
easat-7864	127	13	attitude	attitude	NOUN
easat-7864	127	14	.	.	PUNCT
easat-7864	128	1	h5	h5	NOUN
easat-7864	128	2	:	:	PUNCT
easat-7864	128	3	e	e	X
easat-7864	128	4	-	-	NOUN
easat-7864	128	5	payment	payment	ADJ
easat-7864	128	6	reward	reward	NOUN
easat-7864	128	7	has	have	VERB
easat-7864	128	8	a	a	DET
easat-7864	128	9	positive	positive	ADJ
easat-7864	128	10	and	and	CCONJ
easat-7864	128	11	significant	significant	ADJ
easat-7864	128	12	effect	effect	NOUN
easat-7864	128	13	on	on	ADP
easat-7864	128	14	consumers	consumer	NOUN
easat-7864	128	15	’	'	PUNCT
easat-7864	128	16	attitude	attitude	NOUN
easat-7864	128	17	.	.	PUNCT
easat-7864	129	1	h6	h6	NOUN
easat-7864	129	2	:	:	PUNCT
easat-7864	129	3	consumers	consumer	NOUN
easat-7864	129	4	’	’	PART
easat-7864	129	5	attitude	attitude	NOUN
easat-7864	129	6	to	to	ADP
easat-7864	129	7	e	e	NOUN
easat-7864	129	8	-	-	NOUN
easat-7864	129	9	payment	payment	NOUN
easat-7864	129	10	system	system	NOUN
easat-7864	129	11	has	have	VERB
easat-7864	129	12	a	a	DET
easat-7864	129	13	positive	positive	ADJ
easat-7864	129	14	and	and	CCONJ
easat-7864	129	15	significant	significant	ADJ
easat-7864	129	16	influence	influence	NOUN
easat-7864	129	17	on	on	ADP
easat-7864	129	18	the	the	DET
easat-7864	129	19	consumers	consumer	NOUN
easat-7864	129	20	’	'	PUNCT
easat-7864	129	21	intent	intent	NOUN
easat-7864	129	22	to	to	PART
easat-7864	129	23	use	use	VERB
easat-7864	129	24	e	e	NOUN
easat-7864	129	25	-	-	NOUN
easat-7864	129	26	payment	payment	NOUN
easat-7864	129	27	.	.	PUNCT
easat-7864	130	1	672	672	NUM
easat-7864	130	2	edelweiss	edelweiss	PROPN
easat-7864	130	3	applied	apply	VERB
easat-7864	130	4	science	science	NOUN
easat-7864	130	5	and	and	CCONJ
easat-7864	130	6	technology	technology	NOUN
easat-7864	130	7	issn	issn	PROPN
easat-7864	130	8	:	:	PUNCT
easat-7864	130	9	2576	2576	NUM
easat-7864	130	10	-	-	SYM
easat-7864	130	11	8484	8484	NUM
easat-7864	130	12	vol	vol	NOUN
easat-7864	130	13	.	.	PROPN
easat-7864	131	1	9	9	NUM
easat-7864	131	2	,	,	PUNCT
easat-7864	131	3	no	no	INTJ
easat-7864	131	4	.	.	NOUN
easat-7864	132	1	6	6	NUM
easat-7864	132	2	:	:	PUNCT
easat-7864	132	3	668	668	NUM
easat-7864	132	4	-	-	SYM
easat-7864	132	5	678	678	NUM
easat-7864	132	6	,	,	PUNCT
easat-7864	132	7	2025	2025	NUM
easat-7864	132	8	doi	doi	NOUN
easat-7864	132	9	:	:	PUNCT
easat-7864	132	10	10.55214/25768484.v9i6.7864	10.55214/25768484.v9i6.7864	PROPN
easat-7864	132	11	©	©	PROPN
easat-7864	132	12	2025	2025	NUM
easat-7864	132	13	by	by	ADP
easat-7864	132	14	the	the	DET
easat-7864	132	15	author	author	NOUN
easat-7864	132	16	;	;	PUNCT
easat-7864	132	17	licensee	licensee	PROPN
easat-7864	132	18	learning	learn	VERB
easat-7864	132	19	gate	gate	NOUN
easat-7864	132	20	figure	figure	NOUN
easat-7864	132	21	1	1	NUM
easat-7864	132	22	.	.	PUNCT
easat-7864	132	23	research	research	NOUN
easat-7864	132	24	model	model	NOUN
easat-7864	132	25	.	.	PUNCT
easat-7864	133	1	3	3	X
easat-7864	133	2	.	.	X
easat-7864	133	3	methodology	methodology	NOUN
easat-7864	133	4	3.1	3.1	NUM
easat-7864	133	5	.	.	PUNCT
easat-7864	134	1	survey	survey	NOUN
easat-7864	134	2	design	design	NOUN
easat-7864	134	3	this	this	DET
easat-7864	134	4	study	study	NOUN
easat-7864	134	5	employed	employ	VERB
easat-7864	134	6	a	a	DET
easat-7864	134	7	quantitative	quantitative	ADJ
easat-7864	134	8	research	research	NOUN
easat-7864	134	9	approach	approach	NOUN
easat-7864	134	10	using	use	VERB
easat-7864	134	11	a	a	DET
easat-7864	134	12	structured	structured	ADJ
easat-7864	134	13	survey	survey	NOUN
easat-7864	134	14	to	to	PART
easat-7864	134	15	evaluate	evaluate	VERB
easat-7864	134	16	the	the	DET
easat-7864	134	17	proposed	propose	VERB
easat-7864	134	18	model	model	NOUN
easat-7864	134	19	and	and	CCONJ
easat-7864	134	20	validate	validate	VERB
easat-7864	134	21	the	the	DET
easat-7864	134	22	hypothesized	hypothesized	ADJ
easat-7864	134	23	interrelationships	interrelationship	NOUN
easat-7864	134	24	associated	associate	VERB
easat-7864	134	25	with	with	ADP
easat-7864	134	26	consumers	consumer	NOUN
easat-7864	134	27	’	’	PART
easat-7864	134	28	adoption	adoption	NOUN
easat-7864	134	29	of	of	ADP
easat-7864	134	30	electronic	electronic	ADJ
easat-7864	134	31	payment	payment	NOUN
easat-7864	134	32	(	(	PUNCT
easat-7864	134	33	e	e	NOUN
easat-7864	134	34	-	-	NOUN
easat-7864	134	35	payment	payment	NOUN
easat-7864	134	36	)	)	PUNCT
easat-7864	134	37	systems	system	NOUN
easat-7864	134	38	.	.	PUNCT
easat-7864	135	1	3.2	3.2	NUM
easat-7864	135	2	.	.	PUNCT
easat-7864	136	1	instrument	instrument	NOUN
easat-7864	136	2	development	development	NOUN
easat-7864	136	3	the	the	DET
easat-7864	136	4	survey	survey	NOUN
easat-7864	136	5	instrument	instrument	NOUN
easat-7864	136	6	consisted	consist	VERB
easat-7864	136	7	of	of	ADP
easat-7864	136	8	a	a	DET
easat-7864	136	9	total	total	NOUN
easat-7864	136	10	of	of	ADP
easat-7864	136	11	38	38	NUM
easat-7864	136	12	items	item	NOUN
easat-7864	136	13	,	,	PUNCT
easat-7864	136	14	divided	divide	VERB
easat-7864	136	15	into	into	ADP
easat-7864	136	16	two	two	NUM
easat-7864	136	17	primary	primary	ADJ
easat-7864	136	18	sections	section	NOUN
easat-7864	136	19	.	.	PUNCT
easat-7864	137	1	the	the	DET
easat-7864	137	2	first	first	ADJ
easat-7864	137	3	section	section	NOUN
easat-7864	137	4	collected	collect	VERB
easat-7864	137	5	demographic	demographic	ADJ
easat-7864	137	6	data	datum	NOUN
easat-7864	137	7	from	from	ADP
easat-7864	137	8	participants	participant	NOUN
easat-7864	137	9	,	,	PUNCT
easat-7864	137	10	including	include	VERB
easat-7864	137	11	age	age	NOUN
easat-7864	137	12	,	,	PUNCT
easat-7864	137	13	gender	gender	NOUN
easat-7864	137	14	,	,	PUNCT
easat-7864	137	15	and	and	CCONJ
easat-7864	137	16	education	education	NOUN
easat-7864	137	17	level	level	NOUN
easat-7864	137	18	.	.	PUNCT
easat-7864	138	1	the	the	DET
easat-7864	138	2	second	second	ADJ
easat-7864	138	3	section	section	NOUN
easat-7864	138	4	focused	focus	VERB
easat-7864	138	5	on	on	ADP
easat-7864	138	6	constructions	construction	NOUN
easat-7864	138	7	related	relate	VERB
easat-7864	138	8	to	to	ADP
easat-7864	138	9	consumers	consumer	NOUN
easat-7864	138	10	’	’	PART
easat-7864	138	11	attitudes	attitude	NOUN
easat-7864	138	12	and	and	CCONJ
easat-7864	138	13	behavioral	behavioral	ADJ
easat-7864	138	14	intentions	intention	NOUN
easat-7864	138	15	toward	toward	ADP
easat-7864	138	16	using	use	VERB
easat-7864	138	17	e	e	NOUN
easat-7864	138	18	-	-	NOUN
easat-7864	138	19	payment	payment	NOUN
easat-7864	138	20	systems	system	NOUN
easat-7864	138	21	.	.	PUNCT
easat-7864	139	1	this	this	DET
easat-7864	139	2	section	section	NOUN
easat-7864	139	3	formed	form	VERB
easat-7864	139	4	the	the	DET
easat-7864	139	5	core	core	NOUN
easat-7864	139	6	of	of	ADP
easat-7864	139	7	the	the	DET
easat-7864	139	8	research	research	NOUN
easat-7864	139	9	,	,	PUNCT
easat-7864	139	10	aiming	aim	VERB
easat-7864	139	11	to	to	PART
easat-7864	139	12	capture	capture	VERB
easat-7864	139	13	key	key	ADJ
easat-7864	139	14	variables	variable	NOUN
easat-7864	139	15	influencing	influence	VERB
easat-7864	139	16	e	e	NOUN
easat-7864	139	17	-	-	NOUN
easat-7864	139	18	payment	payment	NOUN
easat-7864	139	19	adoption	adoption	NOUN
easat-7864	139	20	.	.	PUNCT
easat-7864	140	1	all	all	DET
easat-7864	140	2	items	item	NOUN
easat-7864	140	3	in	in	ADP
easat-7864	140	4	the	the	DET
easat-7864	140	5	questionnaire	questionnaire	NOUN
easat-7864	140	6	were	be	AUX
easat-7864	140	7	measured	measure	VERB
easat-7864	140	8	using	use	VERB
easat-7864	140	9	a	a	DET
easat-7864	140	10	fivepoint	fivepoint	NOUN
easat-7864	140	11	likert	likert	NOUN
easat-7864	140	12	scale	scale	NOUN
easat-7864	140	13	,	,	PUNCT
easat-7864	140	14	ranging	range	VERB
easat-7864	140	15	from	from	ADP
easat-7864	140	16	1	1	NUM
easat-7864	140	17	=	=	SYM
easat-7864	140	18	strongly	strongly	ADV
easat-7864	140	19	disagree	disagree	VERB
easat-7864	140	20	to	to	ADP
easat-7864	140	21	5	5	NUM
easat-7864	140	22	=	=	PRON
easat-7864	140	23	strongly	strongly	ADV
easat-7864	140	24	agree	agree	VERB
easat-7864	140	25	.	.	PUNCT
easat-7864	141	1	3.3	3.3	NUM
easat-7864	141	2	.	.	PUNCT
easat-7864	142	1	measurement	measurement	VERB
easat-7864	142	2	the	the	DET
easat-7864	142	3	research	research	NOUN
easat-7864	142	4	adopts	adopt	VERB
easat-7864	142	5	the	the	DET
easat-7864	142	6	scale	scale	NOUN
easat-7864	142	7	from	from	ADP
easat-7864	142	8	prior	prior	ADJ
easat-7864	142	9	research	research	NOUN
easat-7864	142	10	.	.	PUNCT
easat-7864	143	1	it	it	PRON
easat-7864	143	2	has	have	AUX
easat-7864	143	3	used	use	VERB
easat-7864	143	4	six	six	NUM
easat-7864	143	5	items	item	NOUN
easat-7864	143	6	to	to	PART
easat-7864	143	7	measure	measure	VERB
easat-7864	143	8	trust	trust	PROPN
easat-7864	143	9	,	,	PUNCT
easat-7864	143	10	which	which	PRON
easat-7864	143	11	are	be	AUX
easat-7864	143	12	adapted	adapt	VERB
easat-7864	143	13	from	from	ADP
easat-7864	143	14	[	[	X
easat-7864	143	15	7	7	NUM
easat-7864	143	16	]	]	PUNCT
easat-7864	143	17	.	.	PUNCT
easat-7864	144	1	it	it	PRON
easat-7864	144	2	has	have	AUX
easat-7864	144	3	used	use	VERB
easat-7864	144	4	five	five	NUM
easat-7864	144	5	items	item	NOUN
easat-7864	144	6	to	to	PART
easat-7864	144	7	measure	measure	VERB
easat-7864	144	8	security	security	NOUN
easat-7864	144	9	,	,	PUNCT
easat-7864	144	10	which	which	PRON
easat-7864	144	11	are	be	AUX
easat-7864	144	12	adapted	adapt	VERB
easat-7864	144	13	from	from	ADP
easat-7864	144	14	[	[	X
easat-7864	144	15	7	7	NUM
easat-7864	144	16	]	]	PUNCT
easat-7864	144	17	.	.	PUNCT
easat-7864	145	1	it	it	PRON
easat-7864	145	2	has	have	AUX
easat-7864	145	3	used	use	VERB
easat-7864	145	4	five	five	NUM
easat-7864	145	5	items	item	NOUN
easat-7864	145	6	to	to	PART
easat-7864	145	7	measure	measure	VERB
easat-7864	145	8	perceived	perceive	VERB
easat-7864	145	9	ease	ease	NOUN
easat-7864	145	10	of	of	ADP
easat-7864	145	11	use	use	NOUN
easat-7864	145	12	,	,	PUNCT
easat-7864	145	13	which	which	PRON
easat-7864	145	14	are	be	AUX
easat-7864	145	15	adapted	adapt	VERB
easat-7864	145	16	from	from	ADP
easat-7864	145	17	alswaigh	alswaigh	ADJ
easat-7864	145	18	and	and	CCONJ
easat-7864	145	19	aloud	aloud	ADJ
easat-7864	145	20	[	[	X
easat-7864	145	21	7	7	NUM
easat-7864	145	22	]	]	PUNCT
easat-7864	145	23	and	and	CCONJ
easat-7864	145	24	paraphrased	paraphrase	VERB
easat-7864	145	25	it	it	PRON
easat-7864	145	26	to	to	PART
easat-7864	145	27	fit	fit	VERB
easat-7864	145	28	the	the	DET
easat-7864	145	29	research	research	NOUN
easat-7864	145	30	context	context	NOUN
easat-7864	145	31	.	.	PUNCT
easat-7864	146	1	it	it	PRON
easat-7864	146	2	has	have	AUX
easat-7864	146	3	used	use	VERB
easat-7864	146	4	six	six	NUM
easat-7864	146	5	items	item	NOUN
easat-7864	146	6	to	to	PART
easat-7864	146	7	measure	measure	VERB
easat-7864	146	8	perceived	perceive	VERB
easat-7864	146	9	usefulness	usefulness	NOUN
easat-7864	146	10	,	,	PUNCT
easat-7864	146	11	which	which	PRON
easat-7864	146	12	are	be	AUX
easat-7864	146	13	adapted	adapt	VERB
easat-7864	146	14	from	from	ADP
easat-7864	146	15	alswaigh	alswaigh	ADJ
easat-7864	146	16	and	and	CCONJ
easat-7864	146	17	aloud	aloud	ADJ
easat-7864	146	18	[	[	X
easat-7864	146	19	7	7	NUM
easat-7864	146	20	]	]	PUNCT
easat-7864	146	21	and	and	CCONJ
easat-7864	146	22	paraphrased	paraphrase	VERB
easat-7864	146	23	it	it	PRON
easat-7864	146	24	to	to	PART
easat-7864	146	25	fit	fit	VERB
easat-7864	146	26	the	the	DET
easat-7864	146	27	research	research	NOUN
easat-7864	146	28	context	context	NOUN
easat-7864	146	29	.	.	PUNCT
easat-7864	147	1	it	it	PRON
easat-7864	147	2	has	have	AUX
easat-7864	147	3	used	use	VERB
easat-7864	147	4	four	four	NUM
easat-7864	147	5	items	item	NOUN
easat-7864	147	6	to	to	PART
easat-7864	147	7	measure	measure	VERB
easat-7864	147	8	e	e	NOUN
easat-7864	147	9	-	-	NOUN
easat-7864	147	10	payment	payment	ADJ
easat-7864	147	11	reward	reward	NOUN
easat-7864	147	12	,	,	PUNCT
easat-7864	147	13	which	which	PRON
easat-7864	147	14	are	be	AUX
easat-7864	147	15	adapted	adapt	VERB
easat-7864	147	16	from	from	ADP
easat-7864	147	17	purwandari	purwandari	NOUN
easat-7864	147	18	,	,	PUNCT
easat-7864	147	19	et	et	PROPN
easat-7864	147	20	al	al	PROPN
easat-7864	147	21	.	.	PUNCT
easat-7864	148	1	[	[	X
easat-7864	148	2	26	26	NUM
easat-7864	148	3	]	]	PUNCT
easat-7864	148	4	and	and	CCONJ
easat-7864	148	5	673	673	NUM
easat-7864	148	6	edelweiss	edelweiss	PROPN
easat-7864	148	7	applied	apply	VERB
easat-7864	148	8	science	science	NOUN
easat-7864	148	9	and	and	CCONJ
easat-7864	148	10	technology	technology	NOUN
easat-7864	148	11	issn	issn	PROPN
easat-7864	148	12	:	:	PUNCT
easat-7864	148	13	2576	2576	NUM
easat-7864	148	14	-	-	SYM
easat-7864	148	15	8484	8484	NUM
easat-7864	148	16	vol	vol	NOUN
easat-7864	148	17	.	.	PROPN
easat-7864	149	1	9	9	NUM
easat-7864	149	2	,	,	PUNCT
easat-7864	149	3	no	no	INTJ
easat-7864	149	4	.	.	NOUN
easat-7864	150	1	6	6	NUM
easat-7864	150	2	:	:	PUNCT
easat-7864	150	3	668	668	NUM
easat-7864	150	4	-	-	SYM
easat-7864	150	5	678	678	NUM
easat-7864	150	6	,	,	PUNCT
easat-7864	150	7	2025	2025	NUM
easat-7864	150	8	doi	doi	NOUN
easat-7864	150	9	:	:	PUNCT
easat-7864	150	10	10.55214/25768484.v9i6.7864	10.55214/25768484.v9i6.7864	PROPN
easat-7864	150	11	©	©	PROPN
easat-7864	150	12	2025	2025	NUM
easat-7864	150	13	by	by	ADP
easat-7864	150	14	the	the	DET
easat-7864	150	15	author	author	NOUN
easat-7864	150	16	;	;	PUNCT
easat-7864	150	17	licensee	licensee	PROPN
easat-7864	150	18	learning	learning	NOUN
easat-7864	150	19	gate	gate	NOUN
easat-7864	150	20	paraphrased	paraphrase	VERB
easat-7864	150	21	it	it	PRON
easat-7864	150	22	to	to	PART
easat-7864	150	23	fit	fit	VERB
easat-7864	150	24	the	the	DET
easat-7864	150	25	research	research	NOUN
easat-7864	150	26	context	context	NOUN
easat-7864	150	27	.	.	PUNCT
easat-7864	151	1	it	it	PRON
easat-7864	151	2	has	have	AUX
easat-7864	151	3	used	use	VERB
easat-7864	151	4	five	five	NUM
easat-7864	151	5	items	item	NOUN
easat-7864	151	6	to	to	PART
easat-7864	151	7	measure	measure	VERB
easat-7864	151	8	attitude	attitude	NOUN
easat-7864	151	9	to	to	ADP
easat-7864	151	10	e	e	NOUN
easat-7864	151	11	-	-	NOUN
easat-7864	151	12	payment	payment	NOUN
easat-7864	151	13	,	,	PUNCT
easat-7864	151	14	which	which	PRON
easat-7864	151	15	are	be	AUX
easat-7864	151	16	adapted	adapt	VERB
easat-7864	151	17	from	from	ADP
easat-7864	151	18	alswaigh	alswaigh	ADJ
easat-7864	151	19	and	and	CCONJ
easat-7864	151	20	aloud	aloud	ADJ
easat-7864	151	21	[	[	X
easat-7864	151	22	7	7	NUM
easat-7864	151	23	]	]	PUNCT
easat-7864	151	24	and	and	CCONJ
easat-7864	151	25	paraphrased	paraphrase	VERB
easat-7864	151	26	it	it	PRON
easat-7864	151	27	to	to	PART
easat-7864	151	28	fit	fit	VERB
easat-7864	151	29	the	the	DET
easat-7864	151	30	research	research	NOUN
easat-7864	151	31	context	context	NOUN
easat-7864	151	32	.	.	PUNCT
easat-7864	152	1	finally	finally	ADV
easat-7864	152	2	,	,	PUNCT
easat-7864	152	3	it	it	PRON
easat-7864	152	4	has	have	AUX
easat-7864	152	5	used	use	VERB
easat-7864	152	6	four	four	NUM
easat-7864	152	7	items	item	NOUN
easat-7864	152	8	to	to	PART
easat-7864	152	9	measure	measure	VERB
easat-7864	152	10	intention	intention	NOUN
easat-7864	152	11	to	to	PART
easat-7864	152	12	use	use	VERB
easat-7864	152	13	e	e	NOUN
easat-7864	152	14	-	-	NOUN
easat-7864	152	15	payment	payment	NOUN
easat-7864	152	16	,	,	PUNCT
easat-7864	152	17	which	which	PRON
easat-7864	152	18	are	be	AUX
easat-7864	152	19	adapted	adapt	VERB
easat-7864	152	20	from	from	ADP
easat-7864	152	21	alswaigh	alswaigh	ADJ
easat-7864	152	22	and	and	CCONJ
easat-7864	152	23	aloud	aloud	ADJ
easat-7864	152	24	[	[	X
easat-7864	152	25	7	7	NUM
easat-7864	152	26	]	]	PUNCT
easat-7864	152	27	and	and	CCONJ
easat-7864	152	28	paraphrased	paraphrase	VERB
easat-7864	152	29	it	it	PRON
easat-7864	152	30	to	to	PART
easat-7864	152	31	fit	fit	VERB
easat-7864	152	32	the	the	DET
easat-7864	152	33	research	research	NOUN
easat-7864	152	34	context	context	NOUN
easat-7864	152	35	.	.	PUNCT
easat-7864	153	1	3.4	3.4	NUM
easat-7864	153	2	.	.	PUNCT
easat-7864	153	3	demographic	demographic	ADJ
easat-7864	153	4	information	information	NOUN
easat-7864	153	5	table	table	NOUN
easat-7864	153	6	1	1	NUM
easat-7864	153	7	.	.	PUNCT
easat-7864	153	8	demographic	demographic	ADJ
easat-7864	153	9	information	information	NOUN
easat-7864	153	10	.	.	PUNCT
easat-7864	154	1	measure	measure	NOUN
easat-7864	154	2	item	item	NOUN
easat-7864	154	3	frequency	frequency	NOUN
easat-7864	154	4	percentage	percentage	NOUN
easat-7864	154	5	gender	gender	NOUN
easat-7864	154	6	female	female	NOUN
easat-7864	154	7	104	104	NUM
easat-7864	154	8	48.4	48.4	NUM
easat-7864	154	9	male	male	NOUN
easat-7864	154	10	111	111	NUM
easat-7864	154	11	51.6	51.6	NUM
easat-7864	154	12	age	age	NOUN
easat-7864	154	13	18	18	NUM
easat-7864	154	14	-	-	SYM
easat-7864	154	15	25	25	NUM
easat-7864	154	16	55	55	NUM
easat-7864	154	17	25.6	25.6	NUM
easat-7864	154	18	26	26	NUM
easat-7864	154	19	-	-	SYM
easat-7864	154	20	35	35	NUM
easat-7864	154	21	72	72	NUM
easat-7864	154	22	33.5	33.5	NUM
easat-7864	154	23	36	36	NUM
easat-7864	154	24	-	-	SYM
easat-7864	154	25	45	45	NUM
easat-7864	154	26	69	69	NUM
easat-7864	154	27	32.1	32.1	NUM
easat-7864	154	28	more	more	ADJ
easat-7864	154	29	than	than	ADP
easat-7864	154	30	45	45	NUM
easat-7864	154	31	19	19	NUM
easat-7864	154	32	8.8	8.8	NUM
easat-7864	154	33	education	education	NOUN
easat-7864	154	34	high	high	ADJ
easat-7864	154	35	school	school	NOUN
easat-7864	154	36	or	or	CCONJ
easat-7864	154	37	less	less	ADJ
easat-7864	154	38	58	58	NUM
easat-7864	154	39	27	27	NUM
easat-7864	154	40	bachelor	bachelor	NOUN
easat-7864	154	41	143	143	NUM
easat-7864	154	42	66.5	66.5	NUM
easat-7864	154	43	higher	high	ADJ
easat-7864	154	44	education	education	NOUN
easat-7864	154	45	14	14	NUM
easat-7864	154	46	6.5	6.5	NUM
easat-7864	154	47	this	this	DET
easat-7864	154	48	research	research	NOUN
easat-7864	154	49	gathers	gather	VERB
easat-7864	154	50	a	a	DET
easat-7864	154	51	total	total	NOUN
easat-7864	154	52	of	of	ADP
easat-7864	154	53	215	215	NUM
easat-7864	154	54	participants	participant	NOUN
easat-7864	154	55	.	.	PUNCT
easat-7864	155	1	the	the	DET
easat-7864	155	2	gender	gender	NOUN
easat-7864	155	3	of	of	ADP
easat-7864	155	4	the	the	DET
easat-7864	155	5	sample	sample	NOUN
easat-7864	155	6	includes	include	VERB
easat-7864	155	7	48.4	48.4	NUM
easat-7864	155	8	%	%	NOUN
easat-7864	155	9	female	female	ADJ
easat-7864	155	10	and	and	CCONJ
easat-7864	155	11	51.6	51.6	NUM
easat-7864	155	12	male	male	NOUN
easat-7864	155	13	,	,	PUNCT
easat-7864	155	14	see	see	VERB
easat-7864	155	15	table	table	NOUN
easat-7864	155	16	1	1	NUM
easat-7864	155	17	.	.	PUNCT
easat-7864	156	1	the	the	DET
easat-7864	156	2	age	age	NOUN
easat-7864	156	3	of	of	ADP
easat-7864	156	4	the	the	DET
easat-7864	156	5	sample	sample	NOUN
easat-7864	156	6	as	as	SCONJ
easat-7864	156	7	appears	appear	VERB
easat-7864	156	8	in	in	ADP
easat-7864	156	9	table1	table1	PROPN
easat-7864	156	10	has	have	VERB
easat-7864	156	11	33.5	33.5	NUM
easat-7864	156	12	%	%	NOUN
easat-7864	156	13	(	(	PUNCT
easat-7864	156	14	26	26	NUM
easat-7864	156	15	-	-	SYM
easat-7864	156	16	35	35	NUM
easat-7864	156	17	)	)	PUNCT
easat-7864	156	18	,	,	PUNCT
easat-7864	156	19	32.1	32.1	NUM
easat-7864	156	20	%	%	NOUN
easat-7864	156	21	(	(	PUNCT
easat-7864	156	22	36	36	NUM
easat-7864	156	23	-	-	SYM
easat-7864	156	24	45	45	NUM
easat-7864	156	25	)	)	PUNCT
easat-7864	156	26	,	,	PUNCT
easat-7864	156	27	25.6	25.6	NUM
easat-7864	156	28	%	%	NOUN
easat-7864	156	29	(	(	PUNCT
easat-7864	156	30	18	18	NUM
easat-7864	156	31	-	-	SYM
easat-7864	156	32	25	25	NUM
easat-7864	156	33	)	)	PUNCT
easat-7864	156	34	,	,	PUNCT
easat-7864	156	35	and	and	CCONJ
easat-7864	156	36	about	about	ADV
easat-7864	156	37	8	8	NUM
easat-7864	156	38	%	%	NOUN
easat-7864	156	39	morse	morse	NOUN
easat-7864	156	40	tan	tan	PROPN
easat-7864	156	41	45	45	NUM
easat-7864	156	42	years	year	NOUN
easat-7864	156	43	.	.	PUNCT
easat-7864	157	1	the	the	DET
easat-7864	157	2	education	education	NOUN
easat-7864	157	3	of	of	ADP
easat-7864	157	4	the	the	DET
easat-7864	157	5	sample	sample	NOUN
easat-7864	157	6	has	have	VERB
easat-7864	157	7	more	more	ADJ
easat-7864	157	8	than	than	ADP
easat-7864	157	9	66	66	NUM
easat-7864	157	10	%	%	NOUN
easat-7864	157	11	who	who	PRON
easat-7864	157	12	hold	hold	VERB
easat-7864	157	13	bachelor	bachelor	NOUN
easat-7864	157	14	's	's	PART
easat-7864	157	15	degree	degree	NOUN
easat-7864	157	16	,	,	PUNCT
easat-7864	157	17	about	about	ADV
easat-7864	157	18	6	6	NUM
easat-7864	157	19	%	%	NOUN
easat-7864	157	20	have	have	VERB
easat-7864	157	21	higher	high	ADJ
easat-7864	157	22	education	education	NOUN
easat-7864	157	23	degree	degree	NOUN
easat-7864	157	24	,	,	PUNCT
easat-7864	157	25	and	and	CCONJ
easat-7864	157	26	the	the	DET
easat-7864	157	27	remaining	remain	VERB
easat-7864	157	28	have	have	VERB
easat-7864	157	29	high	high	ADJ
easat-7864	157	30	school	school	NOUN
easat-7864	157	31	or	or	CCONJ
easat-7864	157	32	less	less	ADJ
easat-7864	157	33	degree	degree	NOUN
easat-7864	157	34	.	.	PUNCT
easat-7864	158	1	3.5	3.5	NUM
easat-7864	158	2	.	.	PUNCT
easat-7864	158	3	reliability	reliability	NOUN
easat-7864	158	4	to	to	PART
easat-7864	158	5	assess	assess	VERB
easat-7864	158	6	the	the	DET
easat-7864	158	7	internal	internal	ADJ
easat-7864	158	8	consistency	consistency	NOUN
easat-7864	158	9	of	of	ADP
easat-7864	158	10	the	the	DET
easat-7864	158	11	constructs	construct	NOUN
easat-7864	158	12	,	,	PUNCT
easat-7864	158	13	a	a	DET
easat-7864	158	14	reliability	reliability	NOUN
easat-7864	158	15	test	test	NOUN
easat-7864	158	16	was	be	AUX
easat-7864	158	17	conducted	conduct	VERB
easat-7864	158	18	using	use	VERB
easat-7864	158	19	cronbach	cronbach	PROPN
easat-7864	158	20	’s	’s	PART
easat-7864	158	21	alpha	alpha	NOUN
easat-7864	158	22	.	.	PUNCT
easat-7864	159	1	as	as	SCONJ
easat-7864	159	2	shown	show	VERB
easat-7864	159	3	in	in	ADP
easat-7864	159	4	table	table	NOUN
easat-7864	159	5	2	2	NUM
easat-7864	159	6	,	,	PUNCT
easat-7864	159	7	the	the	DET
easat-7864	159	8	cronbach	cronbach	NOUN
easat-7864	159	9	’s	’s	PART
easat-7864	159	10	alpha	alpha	NOUN
easat-7864	159	11	values	value	NOUN
easat-7864	159	12	for	for	ADP
easat-7864	159	13	all	all	DET
easat-7864	159	14	constructs	construct	NOUN
easat-7864	159	15	ranged	range	VERB
easat-7864	159	16	from	from	ADP
easat-7864	159	17	0.945	0.945	NUM
easat-7864	159	18	(	(	PUNCT
easat-7864	159	19	perceived	perceive	VERB
easat-7864	159	20	usefulness	usefulness	NOUN
easat-7864	159	21	use	use	NOUN
easat-7864	159	22	)	)	PUNCT
easat-7864	159	23	to	to	ADP
easat-7864	159	24	0.830	0.830	NUM
easat-7864	159	25	(	(	PUNCT
easat-7864	159	26	rewards	reward	VERB
easat-7864	159	27	e	e	NOUN
easat-7864	159	28	-	-	NOUN
easat-7864	159	29	payment	payment	ADJ
easat-7864	159	30	rew	rew	NOUN
easat-7864	159	31	)	)	PUNCT
easat-7864	159	32	.	.	PUNCT
easat-7864	160	1	according	accord	VERB
easat-7864	160	2	to	to	ADP
easat-7864	160	3	nunnally	nunnally	PROPN
easat-7864	160	4	(	(	PUNCT
easat-7864	160	5	1978	1978	NUM
easat-7864	160	6	)	)	PUNCT
easat-7864	160	7	,	,	PUNCT
easat-7864	160	8	a	a	DET
easat-7864	160	9	cronbach	cronbach	NOUN
easat-7864	160	10	’s	’s	PART
easat-7864	160	11	alpha	alpha	NOUN
easat-7864	160	12	value	value	NOUN
easat-7864	160	13	of	of	ADP
easat-7864	160	14	0.70	0.70	NUM
easat-7864	160	15	or	or	CCONJ
easat-7864	160	16	higher	high	ADJ
easat-7864	160	17	is	be	AUX
easat-7864	160	18	considered	consider	VERB
easat-7864	160	19	acceptable	acceptable	ADJ
easat-7864	160	20	for	for	ADP
easat-7864	160	21	psychological	psychological	ADJ
easat-7864	160	22	constructs	construct	NOUN
easat-7864	160	23	,	,	PUNCT
easat-7864	160	24	indicating	indicate	VERB
easat-7864	160	25	a	a	DET
easat-7864	160	26	satisfactory	satisfactory	ADJ
easat-7864	160	27	level	level	NOUN
easat-7864	160	28	of	of	ADP
easat-7864	160	29	reliability	reliability	NOUN
easat-7864	160	30	.	.	PUNCT
easat-7864	161	1	therefore	therefore	ADV
easat-7864	161	2	,	,	PUNCT
easat-7864	161	3	all	all	PRON
easat-7864	161	4	constructs	construct	NOUN
easat-7864	161	5	in	in	ADP
easat-7864	161	6	this	this	DET
easat-7864	161	7	study	study	NOUN
easat-7864	161	8	met	meet	VERB
easat-7864	161	9	the	the	DET
easat-7864	161	10	required	require	VERB
easat-7864	161	11	threshold	threshold	NOUN
easat-7864	161	12	,	,	PUNCT
easat-7864	161	13	confirming	confirm	VERB
easat-7864	161	14	the	the	DET
easat-7864	161	15	internal	internal	ADJ
easat-7864	161	16	consistency	consistency	NOUN
easat-7864	161	17	of	of	ADP
easat-7864	161	18	the	the	DET
easat-7864	161	19	measurement	measurement	NOUN
easat-7864	161	20	scales	scale	NOUN
easat-7864	161	21	.	.	PUNCT
easat-7864	162	1	674	674	NUM
easat-7864	162	2	edelweiss	edelweiss	PROPN
easat-7864	162	3	applied	apply	VERB
easat-7864	162	4	science	science	NOUN
easat-7864	162	5	and	and	CCONJ
easat-7864	162	6	technology	technology	NOUN
easat-7864	162	7	issn	issn	PROPN
easat-7864	162	8	:	:	PUNCT
easat-7864	162	9	2576	2576	NUM
easat-7864	162	10	-	-	SYM
easat-7864	162	11	8484	8484	NUM
easat-7864	162	12	vol	vol	NOUN
easat-7864	162	13	.	.	PROPN
easat-7864	163	1	9	9	NUM
easat-7864	163	2	,	,	PUNCT
easat-7864	163	3	no	no	INTJ
easat-7864	163	4	.	.	NOUN
easat-7864	164	1	6	6	NUM
easat-7864	164	2	:	:	PUNCT
easat-7864	164	3	668	668	NUM
easat-7864	164	4	-	-	SYM
easat-7864	164	5	678	678	NUM
easat-7864	164	6	,	,	PUNCT
easat-7864	164	7	2025	2025	NUM
easat-7864	164	8	doi	doi	NOUN
easat-7864	164	9	:	:	PUNCT
easat-7864	164	10	10.55214/25768484.v9i6.7864	10.55214/25768484.v9i6.7864	PROPN
easat-7864	164	11	©	©	PROPN
easat-7864	164	12	2025	2025	NUM
easat-7864	164	13	by	by	ADP
easat-7864	164	14	the	the	DET
easat-7864	164	15	author	author	NOUN
easat-7864	164	16	;	;	PUNCT
easat-7864	164	17	licensee	licensee	PROPN
easat-7864	164	18	learning	learn	VERB
easat-7864	164	19	gate	gate	NOUN
easat-7864	164	20	table	table	NOUN
easat-7864	164	21	2	2	NUM
easat-7864	164	22	.	.	PUNCT
easat-7864	164	23	reliability	reliability	NOUN
easat-7864	164	24	test	test	NOUN
easat-7864	164	25	.	.	PUNCT
easat-7864	165	1	variables	variable	NOUN
easat-7864	165	2	items	item	NOUN
easat-7864	165	3	mean	mean	VERB
easat-7864	165	4	cronbach	cronbach	VERB
easat-7864	165	5	alpha	alpha	NOUN
easat-7864	165	6	ease	ease	NOUN
easat-7864	165	7	of	of	ADP
easat-7864	165	8	use	use	NOUN
easat-7864	165	9	(	(	PUNCT
easat-7864	165	10	eou	eou	PROPN
easat-7864	165	11	)	)	PUNCT
easat-7864	166	1	i	i	PRON
easat-7864	166	2	believe	believe	VERB
easat-7864	166	3	step	step	NOUN
easat-7864	166	4	by	by	ADP
easat-7864	166	5	step	step	NOUN
easat-7864	166	6	navigation	navigation	NOUN
easat-7864	166	7	of	of	ADP
easat-7864	166	8	e	e	NOUN
easat-7864	166	9	-	-	NOUN
easat-7864	166	10	payment	payment	ADJ
easat-7864	166	11	services	service	NOUN
easat-7864	166	12	are	be	AUX
easat-7864	166	13	easy	easy	ADJ
easat-7864	166	14	to	to	PART
easat-7864	166	15	understand	understand	VERB
easat-7864	166	16	(	(	PUNCT
easat-7864	166	17	eou1	eou1	PROPN
easat-7864	166	18	)	)	PUNCT
easat-7864	166	19	4.38	4.38	NUM
easat-7864	166	20	0.927	0.927	NUM
easat-7864	167	1	i	i	PRON
easat-7864	167	2	believe	believe	VERB
easat-7864	167	3	learning	learn	VERB
easat-7864	167	4	to	to	PART
easat-7864	167	5	use	use	VERB
easat-7864	167	6	e	e	NOUN
easat-7864	167	7	-	-	NOUN
easat-7864	167	8	payment	payment	ADJ
easat-7864	167	9	services	service	NOUN
easat-7864	167	10	is	be	AUX
easat-7864	167	11	easy	easy	ADJ
easat-7864	167	12	(	(	PUNCT
easat-7864	167	13	eou2	eou2	NOUN
easat-7864	167	14	)	)	PUNCT
easat-7864	167	15	4.32	4.32	NUM
easat-7864	167	16	i	i	PRON
easat-7864	167	17	like	like	VERB
easat-7864	167	18	the	the	DET
easat-7864	167	19	fact	fact	NOUN
easat-7864	167	20	that	that	SCONJ
easat-7864	167	21	payments	payment	NOUN
easat-7864	167	22	done	do	VERB
easat-7864	167	23	through	through	ADP
easat-7864	167	24	e	e	NOUN
easat-7864	167	25	-	-	NOUN
easat-7864	167	26	payment	payment	ADJ
easat-7864	167	27	services	service	NOUN
easat-7864	167	28	require	require	VERB
easat-7864	167	29	minimum	minimum	ADJ
easat-7864	167	30	effort	effort	NOUN
easat-7864	167	31	(	(	PUNCT
easat-7864	167	32	eou3	eou3	PROPN
easat-7864	167	33	)	)	PUNCT
easat-7864	167	34	4.27	4.27	NUM
easat-7864	168	1	i	i	PRON
easat-7864	168	2	believe	believe	VERB
easat-7864	168	3	it	it	PRON
easat-7864	168	4	is	be	AUX
easat-7864	168	5	easy	easy	ADJ
easat-7864	168	6	to	to	PART
easat-7864	168	7	transfer	transfer	VERB
easat-7864	168	8	money	money	NOUN
easat-7864	168	9	through	through	ADP
easat-7864	168	10	e	e	NOUN
easat-7864	168	11	-	-	NOUN
easat-7864	168	12	payment	payment	ADJ
easat-7864	168	13	services	service	NOUN
easat-7864	168	14	as	as	SCONJ
easat-7864	168	15	minimum	minimum	ADJ
easat-7864	168	16	steps	step	NOUN
easat-7864	168	17	are	be	AUX
easat-7864	168	18	required	require	VERB
easat-7864	168	19	(	(	PUNCT
easat-7864	168	20	eou4	eou4	PROPN
easat-7864	168	21	)	)	PUNCT
easat-7864	168	22	4.21	4.21	NUM
easat-7864	168	23	overall	overall	NOUN
easat-7864	168	24	,	,	PUNCT
easat-7864	168	25	i	i	PRON
easat-7864	168	26	think	think	VERB
easat-7864	168	27	e	e	NOUN
easat-7864	168	28	-	-	NOUN
easat-7864	168	29	payment	payment	ADJ
easat-7864	168	30	services	service	NOUN
easat-7864	168	31	is	be	AUX
easat-7864	168	32	very	very	ADV
easat-7864	168	33	easy	easy	ADJ
easat-7864	168	34	to	to	PART
easat-7864	168	35	use	use	VERB
easat-7864	168	36	(	(	PUNCT
easat-7864	168	37	eou5	eou5	PROPN
easat-7864	168	38	)	)	PUNCT
easat-7864	168	39	4.28	4.28	NUM
easat-7864	168	40	perceived	perceive	VERB
easat-7864	168	41	usefulness	usefulness	NOUN
easat-7864	168	42	(	(	PUNCT
easat-7864	168	43	use	use	NOUN
easat-7864	168	44	)	)	PUNCT
easat-7864	169	1	i	i	PRON
easat-7864	169	2	think	think	VERB
easat-7864	169	3	using	use	VERB
easat-7864	169	4	e	e	NOUN
easat-7864	169	5	-	-	ADJ
easat-7864	169	6	payment	payment	ADJ
easat-7864	169	7	services	service	NOUN
easat-7864	169	8	would	would	AUX
easat-7864	169	9	enable	enable	VERB
easat-7864	169	10	me	i	PRON
easat-7864	169	11	to	to	PART
easat-7864	169	12	accomplish	accomplish	VERB
easat-7864	169	13	transactions	transaction	NOUN
easat-7864	169	14	more	more	ADV
easat-7864	169	15	quickly	quickly	ADV
easat-7864	169	16	.	.	PUNCT
easat-7864	170	1	(	(	PUNCT
easat-7864	170	2	use1	use1	PROPN
easat-7864	170	3	)	)	PUNCT
easat-7864	170	4	4.38	4.38	NUM
easat-7864	170	5	0.945	0.945	NUM
easat-7864	171	1	i	i	PRON
easat-7864	171	2	believe	believe	VERB
easat-7864	171	3	e	e	NOUN
easat-7864	171	4	-	-	NOUN
easat-7864	171	5	payment	payment	ADJ
easat-7864	171	6	services	service	NOUN
easat-7864	171	7	would	would	AUX
easat-7864	171	8	be	be	AUX
easat-7864	171	9	useful	useful	ADJ
easat-7864	171	10	for	for	ADP
easat-7864	171	11	conducting	conduct	VERB
easat-7864	171	12	online	online	ADJ
easat-7864	171	13	transactions	transaction	NOUN
easat-7864	171	14	(	(	PUNCT
easat-7864	171	15	use2	use2	PROPN
easat-7864	171	16	)	)	PUNCT
easat-7864	171	17	4.27	4.27	NUM
easat-7864	172	1	i	i	PRON
easat-7864	172	2	believe	believe	VERB
easat-7864	172	3	using	use	VERB
easat-7864	172	4	e	e	NOUN
easat-7864	172	5	-	-	ADJ
easat-7864	172	6	payment	payment	ADJ
easat-7864	172	7	services	service	NOUN
easat-7864	172	8	would	would	AUX
easat-7864	172	9	improve	improve	VERB
easat-7864	172	10	my	my	PRON
easat-7864	172	11	efficiency	efficiency	NOUN
easat-7864	172	12	of	of	ADP
easat-7864	172	13	online	online	ADJ
easat-7864	172	14	transactions	transaction	NOUN
easat-7864	172	15	(	(	PUNCT
easat-7864	172	16	use3	use3	PROPN
easat-7864	172	17	)	)	PUNCT
easat-7864	172	18	4.23	4.23	NUM
easat-7864	172	19	i	i	PRON
easat-7864	172	20	think	think	VERB
easat-7864	172	21	using	use	VERB
easat-7864	172	22	e	e	NOUN
easat-7864	172	23	-	-	ADJ
easat-7864	172	24	payment	payment	ADJ
easat-7864	172	25	services	service	NOUN
easat-7864	172	26	would	would	AUX
easat-7864	172	27	make	make	VERB
easat-7864	172	28	it	it	PRON
easat-7864	172	29	easier	easy	ADJ
easat-7864	172	30	for	for	SCONJ
easat-7864	172	31	me	i	PRON
easat-7864	172	32	to	to	PART
easat-7864	172	33	make	make	VERB
easat-7864	172	34	online	online	ADJ
easat-7864	172	35	payments	payment	NOUN
easat-7864	172	36	(	(	PUNCT
easat-7864	172	37	use4	use4	PROPN
easat-7864	172	38	)	)	PUNCT
easat-7864	172	39	4.27	4.27	NUM
easat-7864	173	1	i	i	PRON
easat-7864	173	2	believe	believe	VERB
easat-7864	173	3	e	e	NOUN
easat-7864	173	4	-	-	NOUN
easat-7864	173	5	payment	payment	NOUN
easat-7864	173	6	improves	improve	VERB
easat-7864	173	7	the	the	DET
easat-7864	173	8	quality	quality	NOUN
easat-7864	173	9	of	of	ADP
easat-7864	173	10	online	online	ADJ
easat-7864	173	11	transactions	transaction	NOUN
easat-7864	173	12	(	(	PUNCT
easat-7864	173	13	use5	use5	PROPN
easat-7864	173	14	)	)	PUNCT
easat-7864	173	15	4.23	4.23	NUM
easat-7864	173	16	overall	overall	NOUN
easat-7864	173	17	,	,	PUNCT
easat-7864	173	18	i	i	PRON
easat-7864	173	19	think	think	VERB
easat-7864	173	20	using	use	VERB
easat-7864	173	21	an	an	DET
easat-7864	173	22	e	e	NOUN
easat-7864	173	23	-	-	NOUN
easat-7864	173	24	payment	payment	NOUN
easat-7864	173	25	service	service	NOUN
easat-7864	173	26	would	would	AUX
easat-7864	173	27	improve	improve	VERB
easat-7864	173	28	my	my	PRON
easat-7864	173	29	performance	performance	NOUN
easat-7864	173	30	(	(	PUNCT
easat-7864	173	31	use6	use6	PROPN
easat-7864	173	32	)	)	PUNCT
easat-7864	173	33	4.24	4.24	NUM
easat-7864	173	34	trust	trust	NOUN
easat-7864	173	35	(	(	PUNCT
easat-7864	173	36	tru	tru	PROPN
easat-7864	173	37	)	)	PUNCT
easat-7864	173	38	i	i	PRON
easat-7864	173	39	trust	trust	VERB
easat-7864	173	40	transactions	transaction	NOUN
easat-7864	173	41	happening	happen	VERB
easat-7864	173	42	through	through	ADP
easat-7864	173	43	e	e	NOUN
easat-7864	173	44	-	-	NOUN
easat-7864	173	45	payment	payment	ADJ
easat-7864	173	46	service	service	NOUN
easat-7864	173	47	(	(	PUNCT
easat-7864	173	48	tru1	tru1	PROPN
easat-7864	173	49	)	)	PUNCT
easat-7864	173	50	3.80	3.80	NUM
easat-7864	173	51	0.865	0.865	NUM
easat-7864	173	52	i	i	PRON
easat-7864	173	53	trust	trust	VERB
easat-7864	173	54	the	the	DET
easat-7864	173	55	business	business	NOUN
easat-7864	173	56	providers	provider	NOUN
easat-7864	173	57	of	of	ADP
easat-7864	173	58	e	e	NOUN
easat-7864	173	59	-	-	NOUN
easat-7864	173	60	payment	payment	ADJ
easat-7864	173	61	services	service	NOUN
easat-7864	173	62	will	will	AUX
easat-7864	173	63	not	not	PART
easat-7864	173	64	mention	mention	VERB
easat-7864	173	65	any	any	PRON
easat-7864	173	66	of	of	ADP
easat-7864	173	67	my	my	PRON
easat-7864	173	68	information	information	NOUN
easat-7864	173	69	to	to	ADP
easat-7864	173	70	third	third	ADJ
easat-7864	173	71	party	party	PROPN
easat-7864	173	72	(	(	PUNCT
easat-7864	173	73	tru2	tru2	PROPN
easat-7864	173	74	)	)	PUNCT
easat-7864	173	75	3.48	3.48	NUM
easat-7864	173	76	i	i	PRON
easat-7864	173	77	believe	believe	VERB
easat-7864	173	78	e	e	NOUN
easat-7864	173	79	-	-	NOUN
easat-7864	173	80	payment	payment	ADJ
easat-7864	173	81	services	service	NOUN
easat-7864	173	82	keeps	keep	VERB
easat-7864	173	83	customer	customer	NOUN
easat-7864	173	84	's	's	PART
easat-7864	173	85	interests	interest	NOUN
easat-7864	173	86	best	well	ADV
easat-7864	173	87	in	in	ADP
easat-7864	173	88	mind	mind	NOUN
easat-7864	173	89	(	(	PUNCT
easat-7864	173	90	tru3	tru3	PROPN
easat-7864	173	91	)	)	PUNCT
easat-7864	173	92	3.81	3.81	NUM
easat-7864	174	1	i	i	PRON
easat-7864	174	2	believe	believe	VERB
easat-7864	174	3	e	e	NOUN
easat-7864	174	4	-	-	NOUN
easat-7864	174	5	payment	payment	ADJ
easat-7864	174	6	services	service	NOUN
easat-7864	174	7	keep	keep	VERB
easat-7864	174	8	their	their	PRON
easat-7864	174	9	promises	promise	NOUN
easat-7864	174	10	and	and	CCONJ
easat-7864	174	11	commitments	commitment	NOUN
easat-7864	174	12	(	(	PUNCT
easat-7864	174	13	tru4	tru4	PROPN
easat-7864	174	14	)	)	PUNCT
easat-7864	174	15	3.77	3.77	NUM
easat-7864	174	16	i	i	PRON
easat-7864	174	17	believe	believe	VERB
easat-7864	174	18	that	that	SCONJ
easat-7864	174	19	in	in	ADP
easat-7864	174	20	case	case	NOUN
easat-7864	174	21	of	of	ADP
easat-7864	174	22	any	any	DET
easat-7864	174	23	issue	issue	NOUN
easat-7864	174	24	the	the	DET
easat-7864	174	25	service	service	NOUN
easat-7864	174	26	provider	provider	NOUN
easat-7864	174	27	will	will	AUX
easat-7864	174	28	provide	provide	VERB
easat-7864	174	29	me	i	PRON
easat-7864	174	30	assistance	assistance	NOUN
easat-7864	174	31	(	(	PUNCT
easat-7864	174	32	tru5	tru5	PROPN
easat-7864	174	33	)	)	PUNCT
easat-7864	174	34	3.69	3.69	NUM
easat-7864	174	35	i	i	PRON
easat-7864	174	36	believe	believe	VERB
easat-7864	174	37	that	that	SCONJ
easat-7864	174	38	the	the	DET
easat-7864	174	39	e	e	NOUN
easat-7864	174	40	-	-	ADJ
easat-7864	174	41	payment	payment	ADJ
easat-7864	174	42	service	service	NOUN
easat-7864	174	43	providers	provider	NOUN
easat-7864	174	44	follow	follow	VERB
easat-7864	174	45	consumer	consumer	NOUN
easat-7864	174	46	laws	law	NOUN
easat-7864	174	47	(	(	PUNCT
easat-7864	174	48	tru6	tru6	PROPN
easat-7864	174	49	)	)	PUNCT
easat-7864	174	50	3.71	3.71	NUM
easat-7864	174	51	security	security	NOUN
easat-7864	174	52	(	(	PUNCT
easat-7864	174	53	sec	sec	PROPN
easat-7864	174	54	)	)	PUNCT
easat-7864	174	55	i	i	PRON
easat-7864	174	56	will	will	AUX
easat-7864	174	57	be	be	AUX
easat-7864	174	58	confident	confident	ADJ
easat-7864	174	59	in	in	ADP
easat-7864	174	60	making	make	VERB
easat-7864	174	61	payments	payment	NOUN
easat-7864	174	62	through	through	ADP
easat-7864	174	63	e	e	NOUN
easat-7864	174	64	-	-	NOUN
easat-7864	174	65	payment	payment	ADJ
easat-7864	174	66	services	service	NOUN
easat-7864	174	67	(	(	PUNCT
easat-7864	174	68	sec1	sec1	PROPN
easat-7864	174	69	)	)	PUNCT
easat-7864	174	70	3.76	3.76	NUM
easat-7864	174	71	0.880	0.880	NUM
easat-7864	175	1	i	i	PRON
easat-7864	175	2	believe	believe	VERB
easat-7864	175	3	e	e	NOUN
easat-7864	175	4	-	-	NOUN
easat-7864	175	5	payment	payment	ADJ
easat-7864	175	6	services	service	NOUN
easat-7864	175	7	such	such	ADJ
easat-7864	175	8	as	as	ADP
easat-7864	175	9	credit	credit	NOUN
easat-7864	175	10	cards	card	NOUN
easat-7864	175	11	have	have	VERB
easat-7864	175	12	a	a	DET
easat-7864	175	13	potential	potential	NOUN
easat-7864	175	14	to	to	PART
easat-7864	175	15	be	be	AUX
easat-7864	175	16	safer	safe	ADJ
easat-7864	175	17	than	than	ADP
easat-7864	175	18	traditional	traditional	ADJ
easat-7864	175	19	payment	payment	NOUN
easat-7864	175	20	options	option	NOUN
easat-7864	175	21	such	such	ADJ
easat-7864	175	22	as	as	ADP
easat-7864	175	23	the	the	DET
easat-7864	175	24	cash	cash	NOUN
easat-7864	175	25	(	(	PUNCT
easat-7864	175	26	sec2	sec2	PROPN
easat-7864	175	27	)	)	PUNCT
easat-7864	175	28	3.48	3.48	NUM
easat-7864	176	1	i	i	PRON
easat-7864	176	2	believe	believe	VERB
easat-7864	176	3	technology	technology	NOUN
easat-7864	176	4	used	use	VERB
easat-7864	176	5	in	in	ADP
easat-7864	176	6	e	e	NOUN
easat-7864	176	7	-	-	NOUN
easat-7864	176	8	payment	payment	NOUN
easat-7864	176	9	is	be	AUX
easat-7864	176	10	very	very	ADV
easat-7864	176	11	secure	secure	ADJ
easat-7864	176	12	(	(	PUNCT
easat-7864	176	13	sec3	sec3	PROPN
easat-7864	176	14	)	)	PUNCT
easat-7864	176	15	3.52	3.52	NUM
easat-7864	176	16	i	i	PRON
easat-7864	176	17	believe	believe	VERB
easat-7864	176	18	that	that	SCONJ
easat-7864	176	19	transactions	transaction	NOUN
easat-7864	176	20	conducted	conduct	VERB
easat-7864	176	21	through	through	ADP
easat-7864	176	22	e	e	NOUN
easat-7864	176	23	-	-	NOUN
easat-7864	176	24	payment	payment	NOUN
easat-7864	176	25	are	be	AUX
easat-7864	176	26	secure	secure	ADJ
easat-7864	176	27	(	(	PUNCT
easat-7864	176	28	sec4	sec4	PROPN
easat-7864	176	29	)	)	PUNCT
easat-7864	176	30	3.66	3.66	NUM
easat-7864	176	31	i	i	PRON
easat-7864	176	32	believe	believe	VERB
easat-7864	176	33	the	the	DET
easat-7864	176	34	chances	chance	NOUN
easat-7864	176	35	of	of	ADP
easat-7864	176	36	losing	lose	VERB
easat-7864	176	37	money	money	NOUN
easat-7864	176	38	stored	store	VERB
easat-7864	176	39	in	in	ADP
easat-7864	176	40	e	e	NOUN
easat-7864	176	41	-	-	NOUN
easat-7864	176	42	payment	payment	NOUN
easat-7864	176	43	apps	app	NOUN
easat-7864	176	44	are	be	AUX
easat-7864	176	45	low	low	ADJ
easat-7864	176	46	(	(	PUNCT
easat-7864	176	47	sec5	sec5	PROPN
easat-7864	176	48	)	)	PUNCT
easat-7864	176	49	3.37	3.37	NUM
easat-7864	176	50	rewards	reward	VERB
easat-7864	176	51	epayment	epayment	NOUN
easat-7864	176	52	(	(	PUNCT
easat-7864	176	53	rew	rew	NOUN
easat-7864	176	54	)	)	PUNCT
easat-7864	176	55	the	the	DET
easat-7864	176	56	attractive	attractive	ADJ
easat-7864	176	57	offers	offer	NOUN
easat-7864	176	58	of	of	ADP
easat-7864	176	59	bonus	bonus	NOUN
easat-7864	176	60	points	point	NOUN
easat-7864	176	61	and	and	CCONJ
easat-7864	176	62	cashback	cashback	NOUN
easat-7864	176	63	influenced	influence	VERB
easat-7864	176	64	me	i	PRON
easat-7864	176	65	to	to	PART
easat-7864	176	66	switch	switch	VERB
easat-7864	176	67	to	to	ADP
easat-7864	176	68	epayment	epayment	NOUN
easat-7864	176	69	services	service	NOUN
easat-7864	176	70	(	(	PUNCT
easat-7864	176	71	rew1	rew1	PROPN
easat-7864	176	72	)	)	PUNCT
easat-7864	176	73	4.16	4.16	NUM
easat-7864	176	74	0.830	0.830	NUM
easat-7864	176	75	the	the	DET
easat-7864	176	76	existence	existence	NOUN
easat-7864	176	77	of	of	ADP
easat-7864	176	78	the	the	DET
easat-7864	176	79	promo	promo	NOUN
easat-7864	176	80	influenced	influence	VERB
easat-7864	176	81	me	i	PRON
easat-7864	176	82	to	to	PART
easat-7864	176	83	switch	switch	VERB
easat-7864	176	84	from	from	ADP
easat-7864	176	85	cash	cash	NOUN
easat-7864	176	86	-	-	PUNCT
easat-7864	176	87	on	on	ADP
easat-7864	176	88	-	-	PUNCT
easat-7864	176	89	delivery	delivery	NOUN
easat-7864	176	90	to	to	ADP
easat-7864	176	91	epayment	epayment	NOUN
easat-7864	176	92	services	service	NOUN
easat-7864	176	93	.	.	PUNCT
easat-7864	177	1	(	(	PUNCT
easat-7864	177	2	rew2	rew2	PROPN
easat-7864	177	3	)	)	PUNCT
easat-7864	177	4	4.05	4.05	NUM
easat-7864	177	5	i	i	PRON
easat-7864	177	6	enjoy	enjoy	VERB
easat-7864	177	7	the	the	DET
easat-7864	177	8	benefits	benefit	NOUN
easat-7864	177	9	of	of	ADP
easat-7864	177	10	discounts	discount	NOUN
easat-7864	177	11	,	,	PUNCT
easat-7864	177	12	bonus	bonus	NOUN
easat-7864	177	13	points	point	NOUN
easat-7864	177	14	,	,	PUNCT
easat-7864	177	15	and	and	CCONJ
easat-7864	177	16	cashback	cashback	NOUN
easat-7864	177	17	offered	offer	VERB
easat-7864	177	18	by	by	ADP
easat-7864	177	19	epayment	epayment	NOUN
easat-7864	177	20	services	service	NOUN
easat-7864	177	21	.	.	PUNCT
easat-7864	178	1	(	(	PUNCT
easat-7864	178	2	rew3	rew3	PROPN
easat-7864	178	3	)	)	PUNCT
easat-7864	178	4	4.00	4.00	NUM
easat-7864	179	1	i	i	PRON
easat-7864	179	2	think	think	VERB
easat-7864	179	3	the	the	DET
easat-7864	179	4	administration	administration	NOUN
easat-7864	179	5	fee	fee	NOUN
easat-7864	179	6	for	for	ADP
easat-7864	179	7	the	the	DET
easat-7864	179	8	e	e	NOUN
easat-7864	179	9	-	-	NOUN
easat-7864	179	10	payment	payment	NOUN
easat-7864	179	11	service	service	NOUN
easat-7864	179	12	is	be	AUX
easat-7864	179	13	cheaper	cheap	ADJ
easat-7864	179	14	than	than	ADP
easat-7864	179	15	the	the	DET
easat-7864	179	16	cashon	cashon	NOUN
easat-7864	179	17	-	-	PUNCT
easat-7864	179	18	delivery	delivery	NOUN
easat-7864	179	19	service	service	NOUN
easat-7864	179	20	.	.	PUNCT
easat-7864	180	1	(	(	PUNCT
easat-7864	180	2	rew4	rew4	PROPN
easat-7864	180	3	)	)	PUNCT
easat-7864	180	4	3.81	3.81	NUM
easat-7864	180	5	attitude	attitude	NOUN
easat-7864	180	6	(	(	PUNCT
easat-7864	180	7	att	att	PROPN
easat-7864	180	8	)	)	PUNCT
easat-7864	180	9	i	i	PRON
easat-7864	180	10	feel	feel	VERB
easat-7864	180	11	using	use	VERB
easat-7864	180	12	e	e	NOUN
easat-7864	180	13	-	-	ADJ
easat-7864	180	14	payment	payment	ADJ
easat-7864	180	15	services	service	NOUN
easat-7864	180	16	is	be	AUX
easat-7864	180	17	a	a	DET
easat-7864	180	18	good	good	ADJ
easat-7864	180	19	idea	idea	NOUN
easat-7864	180	20	.	.	PUNCT
easat-7864	181	1	(	(	PUNCT
easat-7864	181	2	att1	att1	NOUN
easat-7864	181	3	)	)	PUNCT
easat-7864	181	4	4.17	4.17	NUM
easat-7864	181	5	0.939	0.939	NUM
easat-7864	181	6	i	i	PRON
easat-7864	181	7	like	like	VERB
easat-7864	181	8	the	the	DET
easat-7864	181	9	concept	concept	NOUN
easat-7864	181	10	of	of	ADP
easat-7864	181	11	using	use	VERB
easat-7864	181	12	e	e	NOUN
easat-7864	181	13	-	-	NOUN
easat-7864	181	14	payment	payment	ADJ
easat-7864	181	15	services	service	NOUN
easat-7864	181	16	(	(	PUNCT
easat-7864	181	17	att2	att2	PROPN
easat-7864	181	18	)	)	PUNCT
easat-7864	181	19	4.13	4.13	NUM
easat-7864	182	1	i	i	PRON
easat-7864	182	2	feel	feel	VERB
easat-7864	182	3	pleasant	pleasant	ADJ
easat-7864	182	4	about	about	ADP
easat-7864	182	5	using	use	VERB
easat-7864	182	6	e	e	NOUN
easat-7864	182	7	-	-	NOUN
easat-7864	182	8	payment	payment	ADJ
easat-7864	182	9	services	service	NOUN
easat-7864	182	10	(	(	PUNCT
easat-7864	182	11	att3	att3	PROPN
easat-7864	182	12	)	)	PUNCT
easat-7864	182	13	3.97	3.97	NUM
easat-7864	182	14	i	i	PRON
easat-7864	182	15	think	think	VERB
easat-7864	182	16	using	use	VERB
easat-7864	182	17	e	e	NOUN
easat-7864	182	18	-	-	ADJ
easat-7864	182	19	payment	payment	ADJ
easat-7864	182	20	services	service	NOUN
easat-7864	182	21	is	be	AUX
easat-7864	182	22	enjoyable	enjoyable	ADJ
easat-7864	182	23	(	(	PUNCT
easat-7864	182	24	att4	att4	PROPN
easat-7864	182	25	)	)	PUNCT
easat-7864	182	26	3.94	3.94	NUM
easat-7864	182	27	i	i	PRON
easat-7864	182	28	value	value	VERB
easat-7864	182	29	the	the	DET
easat-7864	182	30	benefits	benefit	NOUN
easat-7864	182	31	of	of	ADP
easat-7864	182	32	e	e	NOUN
easat-7864	182	33	-	-	NOUN
easat-7864	182	34	payment	payment	ADJ
easat-7864	182	35	services	service	NOUN
easat-7864	182	36	(	(	PUNCT
easat-7864	182	37	att5	att5	PROPN
easat-7864	182	38	)	)	PUNCT
easat-7864	182	39	4.11	4.11	NUM
easat-7864	182	40	intention	intention	NOUN
easat-7864	182	41	(	(	PUNCT
easat-7864	182	42	int	int	NOUN
easat-7864	182	43	)	)	PUNCT
easat-7864	182	44	i	i	PRON
easat-7864	182	45	would	would	AUX
easat-7864	182	46	like	like	VERB
easat-7864	182	47	to	to	PART
easat-7864	182	48	do	do	VERB
easat-7864	182	49	transactions	transaction	NOUN
easat-7864	182	50	using	use	VERB
easat-7864	182	51	e	e	NOUN
easat-7864	182	52	-	-	NOUN
easat-7864	182	53	payment	payment	NOUN
easat-7864	182	54	services	service	NOUN
easat-7864	182	55	in	in	ADP
easat-7864	182	56	the	the	DET
easat-7864	182	57	near	near	ADJ
easat-7864	182	58	future	future	NOUN
easat-7864	182	59	(	(	PUNCT
easat-7864	182	60	int1	int1	PROPN
easat-7864	182	61	)	)	PUNCT
easat-7864	183	1	4.09	4.09	NUM
easat-7864	183	2	.0.935	.0.935	ADV
easat-7864	183	3	it	it	PRON
easat-7864	183	4	is	be	AUX
easat-7864	183	5	very	very	ADV
easat-7864	183	6	likely	likely	ADJ
easat-7864	183	7	that	that	SCONJ
easat-7864	183	8	i	i	PRON
easat-7864	183	9	will	will	AUX
easat-7864	183	10	use	use	VERB
easat-7864	183	11	my	my	PRON
easat-7864	183	12	e	e	NOUN
easat-7864	183	13	-	-	NOUN
easat-7864	183	14	payment	payment	ADJ
easat-7864	183	15	services	service	NOUN
easat-7864	183	16	to	to	PART
easat-7864	183	17	pay	pay	VERB
easat-7864	183	18	at	at	ADP
easat-7864	183	19	the	the	DET
easat-7864	183	20	point	point	NOUN
easat-7864	183	21	of	of	ADP
easat-7864	183	22	sale	sale	NOUN
easat-7864	183	23	(	(	PUNCT
easat-7864	183	24	int2	int2	PROPN
easat-7864	183	25	)	)	PUNCT
easat-7864	183	26	4.13	4.13	NUM
easat-7864	184	1	i	i	PRON
easat-7864	184	2	will	will	AUX
easat-7864	184	3	frequently	frequently	ADV
easat-7864	184	4	use	use	VERB
easat-7864	184	5	e	e	NOUN
easat-7864	184	6	-	-	NOUN
easat-7864	184	7	payment	payment	NOUN
easat-7864	184	8	services	service	NOUN
easat-7864	184	9	in	in	ADP
easat-7864	184	10	future	future	NOUN
easat-7864	184	11	(	(	PUNCT
easat-7864	184	12	int3	int3	PROPN
easat-7864	184	13	)	)	PUNCT
easat-7864	184	14	4.12	4.12	NUM
easat-7864	184	15	i	i	PRON
easat-7864	184	16	intend	intend	VERB
easat-7864	184	17	to	to	PART
easat-7864	184	18	recommend	recommend	VERB
easat-7864	184	19	others	other	NOUN
easat-7864	184	20	to	to	PART
easat-7864	184	21	use	use	VERB
easat-7864	184	22	e	e	NOUN
easat-7864	184	23	-	-	NOUN
easat-7864	184	24	payment	payment	ADJ
easat-7864	184	25	services	service	NOUN
easat-7864	184	26	(	(	PUNCT
easat-7864	184	27	int4	int4	PROPN
easat-7864	184	28	)	)	PUNCT
easat-7864	184	29	3.90	3.90	NUM
easat-7864	184	30	675	675	NUM
easat-7864	184	31	edelweiss	edelweiss	PROPN
easat-7864	184	32	applied	apply	VERB
easat-7864	184	33	science	science	NOUN
easat-7864	184	34	and	and	CCONJ
easat-7864	184	35	technology	technology	NOUN
easat-7864	184	36	issn	issn	PROPN
easat-7864	184	37	:	:	PUNCT
easat-7864	184	38	2576	2576	NUM
easat-7864	184	39	-	-	SYM
easat-7864	184	40	8484	8484	NUM
easat-7864	184	41	vol	vol	NOUN
easat-7864	184	42	.	.	PROPN
easat-7864	185	1	9	9	NUM
easat-7864	185	2	,	,	PUNCT
easat-7864	185	3	no	no	INTJ
easat-7864	185	4	.	.	NOUN
easat-7864	186	1	6	6	NUM
easat-7864	186	2	:	:	PUNCT
easat-7864	186	3	668	668	NUM
easat-7864	186	4	-	-	SYM
easat-7864	186	5	678	678	NUM
easat-7864	186	6	,	,	PUNCT
easat-7864	186	7	2025	2025	NUM
easat-7864	186	8	doi	doi	NOUN
easat-7864	186	9	:	:	PUNCT
easat-7864	186	10	10.55214/25768484.v9i6.7864	10.55214/25768484.v9i6.7864	PROPN
easat-7864	186	11	©	©	PROPN
easat-7864	186	12	2025	2025	NUM
easat-7864	186	13	by	by	ADP
easat-7864	186	14	the	the	DET
easat-7864	186	15	author	author	NOUN
easat-7864	186	16	;	;	PUNCT
easat-7864	186	17	licensee	licensee	PROPN
easat-7864	186	18	learning	learning	NOUN
easat-7864	186	19	gate	gate	NOUN
easat-7864	186	20	3.6	3.6	NUM
easat-7864	186	21	.	.	PUNCT
easat-7864	187	1	correlation	correlation	NOUN
easat-7864	187	2	test	test	NOUN
easat-7864	187	3	table	table	NOUN
easat-7864	187	4	3	3	NUM
easat-7864	187	5	illustrates	illustrate	VERB
easat-7864	187	6	the	the	DET
easat-7864	187	7	correlations	correlation	NOUN
easat-7864	187	8	between	between	ADP
easat-7864	187	9	the	the	DET
easat-7864	187	10	seven	seven	NUM
easat-7864	187	11	factors	factor	NOUN
easat-7864	187	12	.	.	PUNCT
easat-7864	188	1	the	the	DET
easat-7864	188	2	correlation	correlation	NOUN
easat-7864	188	3	between	between	ADP
easat-7864	188	4	attitude	attitude	NOUN
easat-7864	188	5	and	and	CCONJ
easat-7864	188	6	other	other	ADJ
easat-7864	188	7	factors	factor	NOUN
easat-7864	188	8	(	(	PUNCT
easat-7864	188	9	perceived	perceive	VERB
easat-7864	188	10	easy	easy	ADV
easat-7864	188	11	of	of	ADP
easat-7864	188	12	use	use	NOUN
easat-7864	188	13	,	,	PUNCT
easat-7864	188	14	perceived	perceive	VERB
easat-7864	188	15	usefulness	usefulness	NOUN
easat-7864	188	16	,	,	PUNCT
easat-7864	188	17	trust	trust	NOUN
easat-7864	188	18	,	,	PUNCT
easat-7864	188	19	security	security	NOUN
easat-7864	188	20	,	,	PUNCT
easat-7864	188	21	and	and	CCONJ
easat-7864	188	22	e	e	NOUN
easat-7864	188	23	-	-	NOUN
easat-7864	188	24	payment	payment	ADJ
easat-7864	188	25	reward	reward	NOUN
easat-7864	188	26	)	)	PUNCT
easat-7864	188	27	has	have	VERB
easat-7864	188	28	a	a	DET
easat-7864	188	29	statistically	statistically	ADV
easat-7864	188	30	significant	significant	ADJ
easat-7864	188	31	positive	positive	ADJ
easat-7864	188	32	correlation	correlation	NOUN
easat-7864	188	33	.	.	PUNCT
easat-7864	189	1	that	that	PRON
easat-7864	189	2	is	be	AUX
easat-7864	189	3	not	not	PART
easat-7864	189	4	only	only	ADV
easat-7864	189	5	,	,	PUNCT
easat-7864	189	6	but	but	CCONJ
easat-7864	189	7	also	also	ADV
easat-7864	189	8	the	the	DET
easat-7864	189	9	correlation	correlation	NOUN
easat-7864	189	10	between	between	ADP
easat-7864	189	11	attitude	attitude	NOUN
easat-7864	189	12	and	and	CCONJ
easat-7864	189	13	intent	intent	NOUN
easat-7864	189	14	to	to	PART
easat-7864	189	15	use	use	VERB
easat-7864	189	16	e	e	NOUN
easat-7864	189	17	-	-	NOUN
easat-7864	189	18	payment	payment	NOUN
easat-7864	189	19	has	have	VERB
easat-7864	189	20	a	a	DET
easat-7864	189	21	statistically	statistically	ADV
easat-7864	189	22	significant	significant	ADJ
easat-7864	189	23	positive	positive	ADJ
easat-7864	189	24	correlation	correlation	NOUN
easat-7864	189	25	.	.	PUNCT
easat-7864	190	1	next	next	ADJ
easat-7864	190	2	will	will	AUX
easat-7864	190	3	test	test	VERB
easat-7864	190	4	the	the	DET
easat-7864	190	5	regression	regression	NOUN
easat-7864	190	6	for	for	ADP
easat-7864	190	7	all	all	DET
easat-7864	190	8	research	research	NOUN
easat-7864	190	9	hypotheses	hypothesis	NOUN
easat-7864	190	10	.	.	PUNCT
easat-7864	191	1	table	table	NOUN
easat-7864	191	2	3	3	NUM
easat-7864	191	3	.	.	PUNCT
easat-7864	191	4	correlation	correlation	NOUN
easat-7864	191	5	.	.	PUNCT
easat-7864	192	1	factor	factor	NOUN
easat-7864	192	2	eou	eou	PROPN
easat-7864	192	3	use	use	PROPN
easat-7864	192	4	tru	tru	PROPN
easat-7864	192	5	sec	sec	PROPN
easat-7864	192	6	rew	rew	PROPN
easat-7864	192	7	att	att	PROPN
easat-7864	192	8	eou	eou	PROPN
easat-7864	192	9	1.000	1.000	NUM
easat-7864	192	10	use	use	VERB
easat-7864	192	11	0.683	0.683	NUM
easat-7864	192	12	1.000	1.000	NUM
easat-7864	192	13	tru	tru	PROPN
easat-7864	192	14	0.427	0.427	NUM
easat-7864	192	15	0.485	0.485	NUM
easat-7864	192	16	1.000	1.000	NUM
easat-7864	192	17	sec	sec	PROPN
easat-7864	192	18	0.396	0.396	NUM
easat-7864	192	19	0.495	0.495	NUM
easat-7864	192	20	0.820	0.820	NUM
easat-7864	192	21	1.000	1.000	NUM
easat-7864	192	22	rew	rew	VERB
easat-7864	192	23	0.434	0.434	NUM
easat-7864	192	24	0.493	0.493	NUM
easat-7864	192	25	0.455	0.455	NUM
easat-7864	192	26	0.460	0.460	NUM
easat-7864	192	27	1.000	1.000	NUM
easat-7864	192	28	att	att	PROPN
easat-7864	192	29	0.536	0.536	NUM
easat-7864	192	30	0.700	0.700	NUM
easat-7864	192	31	0.583	0.583	NUM
easat-7864	192	32	0.594	0.594	NUM
easat-7864	192	33	0.674	0.674	NUM
easat-7864	192	34	1.000	1.000	NUM
easat-7864	192	35	int	int	NOUN
easat-7864	192	36	0.525	0.525	NUM
easat-7864	192	37	0.730	0.730	NUM
easat-7864	192	38	0.578	0.578	NUM
easat-7864	192	39	0.577	0.577	NUM
easat-7864	192	40	0.678	0.678	NUM
easat-7864	192	41	0.906	0.906	NUM
easat-7864	192	42	3.7	3.7	NUM
easat-7864	192	43	.	.	PUNCT
easat-7864	193	1	regression	regression	NOUN
easat-7864	193	2	results	result	NOUN
easat-7864	193	3	this	this	DET
easat-7864	193	4	study	study	NOUN
easat-7864	193	5	applied	apply	VERB
easat-7864	193	6	a	a	DET
easat-7864	193	7	simple	simple	ADJ
easat-7864	193	8	regression	regression	NOUN
easat-7864	193	9	methodology	methodology	NOUN
easat-7864	193	10	to	to	PART
easat-7864	193	11	test	test	VERB
easat-7864	193	12	hypotheses	hypothesis	NOUN
easat-7864	193	13	.	.	PUNCT
easat-7864	194	1	table	table	NOUN
easat-7864	194	2	4	4	NUM
easat-7864	194	3	presents	present	VERB
easat-7864	194	4	the	the	DET
easat-7864	194	5	relationships	relationship	NOUN
easat-7864	194	6	between	between	ADP
easat-7864	194	7	the	the	DET
easat-7864	194	8	factors	factor	NOUN
easat-7864	194	9	and	and	CCONJ
easat-7864	194	10	their	their	PRON
easat-7864	194	11	significance	significance	NOUN
easat-7864	194	12	,	,	PUNCT
easat-7864	194	13	and	and	CCONJ
easat-7864	194	14	the	the	DET
easat-7864	194	15	results	result	NOUN
easat-7864	194	16	indicate	indicate	VERB
easat-7864	194	17	the	the	DET
easat-7864	194	18	strength	strength	NOUN
easat-7864	194	19	of	of	ADP
easat-7864	194	20	the	the	DET
easat-7864	194	21	relationship	relationship	NOUN
easat-7864	194	22	effects	effect	NOUN
easat-7864	194	23	between	between	ADP
easat-7864	194	24	the	the	DET
easat-7864	194	25	factors	factor	NOUN
easat-7864	194	26	.	.	PUNCT
easat-7864	195	1	eou	eou	PROPN
easat-7864	195	2	–	–	PUNCT
easat-7864	195	3	att	att	PROPN
easat-7864	195	4	first	first	ADV
easat-7864	195	5	,	,	PUNCT
easat-7864	195	6	regarding	regard	VERB
easat-7864	195	7	perceived	perceive	VERB
easat-7864	195	8	easy	easy	ADJ
easat-7864	195	9	of	of	ADP
easat-7864	195	10	use	use	NOUN
easat-7864	195	11	,	,	PUNCT
easat-7864	195	12	the	the	DET
easat-7864	195	13	results	result	NOUN
easat-7864	195	14	show	show	VERB
easat-7864	195	15	a	a	DET
easat-7864	195	16	significant	significant	ADJ
easat-7864	195	17	and	and	CCONJ
easat-7864	195	18	positive	positive	ADJ
easat-7864	195	19	influence	influence	NOUN
easat-7864	195	20	of	of	ADP
easat-7864	195	21	attitude	attitude	NOUN
easat-7864	195	22	to	to	ADP
easat-7864	195	23	e	e	NOUN
easat-7864	195	24	-	-	NOUN
easat-7864	195	25	payment	payment	NOUN
easat-7864	195	26	(	(	PUNCT
easat-7864	195	27	eou→att	eou→att	NOUN
easat-7864	195	28	:	:	PUNCT
easat-7864	195	29	β	β	NOUN
easat-7864	195	30	0.536	0.536	NUM
easat-7864	195	31	;	;	PUNCT
easat-7864	195	32	p	p	X
easat-7864	195	33	-	-	PUNCT
easat-7864	195	34	value	value	NOUN
easat-7864	195	35	0.001	0.001	NUM
easat-7864	195	36	)	)	PUNCT
easat-7864	195	37	;	;	PUNCT
easat-7864	195	38	thus	thus	ADV
easat-7864	195	39	,	,	PUNCT
easat-7864	195	40	h1	h1	PROPN
easat-7864	195	41	is	be	AUX
easat-7864	195	42	supported	support	VERB
easat-7864	195	43	and	and	CCONJ
easat-7864	195	44	confirmed	confirm	VERB
easat-7864	195	45	where	where	SCONJ
easat-7864	195	46	perceived	perceive	VERB
easat-7864	195	47	easy	easy	NOUN
easat-7864	195	48	of	of	ADP
easat-7864	195	49	use	use	NOUN
easat-7864	195	50	has	have	VERB
easat-7864	195	51	a	a	DET
easat-7864	195	52	direct	direct	ADJ
easat-7864	195	53	and	and	CCONJ
easat-7864	195	54	positive	positive	ADJ
easat-7864	195	55	relationship	relationship	NOUN
easat-7864	195	56	with	with	ADP
easat-7864	195	57	attitude	attitude	NOUN
easat-7864	195	58	to	to	ADP
easat-7864	195	59	e	e	NOUN
easat-7864	195	60	-	-	NOUN
easat-7864	195	61	payment	payment	NOUN
easat-7864	195	62	.	.	PUNCT
easat-7864	196	1	use	use	NOUN
easat-7864	196	2	–	–	PUNCT
easat-7864	196	3	att	att	PROPN
easat-7864	196	4	second	second	NOUN
easat-7864	196	5	,	,	PUNCT
easat-7864	196	6	about	about	ADP
easat-7864	196	7	perceived	perceive	VERB
easat-7864	196	8	usefulness	usefulness	NOUN
easat-7864	197	1	,	,	PUNCT
easat-7864	197	2	the	the	DET
easat-7864	197	3	results	result	NOUN
easat-7864	197	4	show	show	VERB
easat-7864	197	5	a	a	DET
easat-7864	197	6	significant	significant	ADJ
easat-7864	197	7	and	and	CCONJ
easat-7864	197	8	positive	positive	ADJ
easat-7864	197	9	influence	influence	NOUN
easat-7864	197	10	of	of	ADP
easat-7864	197	11	attitude	attitude	NOUN
easat-7864	197	12	to	to	ADP
easat-7864	197	13	e	e	NOUN
easat-7864	197	14	-	-	NOUN
easat-7864	197	15	payment	payment	NOUN
easat-7864	197	16	(	(	PUNCT
easat-7864	197	17	use→att	use→att	NOUN
easat-7864	197	18	:	:	PUNCT
easat-7864	197	19	β	β	NOUN
easat-7864	197	20	0.700	0.700	NUM
easat-7864	197	21	;	;	PUNCT
easat-7864	197	22	p	p	X
easat-7864	197	23	-	-	PUNCT
easat-7864	197	24	value	value	NOUN
easat-7864	197	25	0.001	0.001	NUM
easat-7864	197	26	)	)	PUNCT
easat-7864	197	27	;	;	PUNCT
easat-7864	197	28	thus	thus	ADV
easat-7864	197	29	,	,	PUNCT
easat-7864	197	30	h2	h2	PROPN
easat-7864	197	31	is	be	AUX
easat-7864	197	32	supported	support	VERB
easat-7864	197	33	and	and	CCONJ
easat-7864	197	34	confirmed	confirm	VERB
easat-7864	197	35	,	,	PUNCT
easat-7864	197	36	where	where	SCONJ
easat-7864	197	37	perceived	perceive	VERB
easat-7864	197	38	usefulness	usefulness	NOUN
easat-7864	197	39	has	have	VERB
easat-7864	197	40	a	a	DET
easat-7864	197	41	direct	direct	ADJ
easat-7864	197	42	and	and	CCONJ
easat-7864	197	43	positive	positive	ADJ
easat-7864	197	44	relationship	relationship	NOUN
easat-7864	197	45	with	with	ADP
easat-7864	197	46	attitude	attitude	NOUN
easat-7864	197	47	to	to	ADP
easat-7864	197	48	e	e	NOUN
easat-7864	197	49	-	-	NOUN
easat-7864	197	50	payment	payment	NOUN
easat-7864	197	51	.	.	PUNCT
easat-7864	198	1	tru	tru	PROPN
easat-7864	198	2	–	–	PUNCT
easat-7864	198	3	att	att	PROPN
easat-7864	198	4	regarding	regard	VERB
easat-7864	198	5	perceived	perceive	VERB
easat-7864	198	6	trust	trust	NOUN
easat-7864	198	7	,	,	PUNCT
easat-7864	198	8	the	the	DET
easat-7864	198	9	results	result	NOUN
easat-7864	198	10	show	show	VERB
easat-7864	198	11	a	a	DET
easat-7864	198	12	significant	significant	ADJ
easat-7864	198	13	and	and	CCONJ
easat-7864	198	14	positive	positive	ADJ
easat-7864	198	15	influence	influence	NOUN
easat-7864	198	16	of	of	ADP
easat-7864	198	17	attitude	attitude	NOUN
easat-7864	198	18	to	to	ADP
easat-7864	198	19	epayment	epayment	NOUN
easat-7864	198	20	(	(	PUNCT
easat-7864	198	21	tru→att	tru→att	NOUN
easat-7864	198	22	:	:	PUNCT
easat-7864	198	23	β	β	NOUN
easat-7864	198	24	0.583	0.583	NUM
easat-7864	198	25	;	;	PUNCT
easat-7864	198	26	p	p	X
easat-7864	198	27	-	-	PUNCT
easat-7864	198	28	value	value	NOUN
easat-7864	198	29	0.001	0.001	NUM
easat-7864	198	30	)	)	PUNCT
easat-7864	198	31	;	;	PUNCT
easat-7864	198	32	thus	thus	ADV
easat-7864	198	33	,	,	PUNCT
easat-7864	198	34	h3	h3	NOUN
easat-7864	198	35	is	be	AUX
easat-7864	198	36	supported	support	VERB
easat-7864	198	37	and	and	CCONJ
easat-7864	198	38	confirmed	confirm	VERB
easat-7864	198	39	,	,	PUNCT
easat-7864	198	40	where	where	SCONJ
easat-7864	198	41	perceived	perceive	VERB
easat-7864	198	42	trust	trust	NOUN
easat-7864	198	43	has	have	VERB
easat-7864	198	44	a	a	DET
easat-7864	198	45	direct	direct	ADJ
easat-7864	198	46	and	and	CCONJ
easat-7864	198	47	positive	positive	ADJ
easat-7864	198	48	relationship	relationship	NOUN
easat-7864	198	49	with	with	ADP
easat-7864	198	50	attitude	attitude	NOUN
easat-7864	198	51	to	to	ADP
easat-7864	198	52	e	e	NOUN
easat-7864	198	53	-	-	NOUN
easat-7864	198	54	payment	payment	NOUN
easat-7864	198	55	.	.	PUNCT
easat-7864	199	1	sec	sec	PROPN
easat-7864	199	2	–	–	PUNCT
easat-7864	199	3	att	att	PROPN
easat-7864	199	4	regarding	regard	VERB
easat-7864	199	5	perceived	perceive	VERB
easat-7864	199	6	security	security	NOUN
easat-7864	199	7	,	,	PUNCT
easat-7864	199	8	the	the	DET
easat-7864	199	9	results	result	NOUN
easat-7864	199	10	show	show	VERB
easat-7864	199	11	a	a	DET
easat-7864	199	12	significant	significant	ADJ
easat-7864	199	13	and	and	CCONJ
easat-7864	199	14	positive	positive	ADJ
easat-7864	199	15	influence	influence	NOUN
easat-7864	199	16	of	of	ADP
easat-7864	199	17	attitude	attitude	NOUN
easat-7864	199	18	to	to	ADP
easat-7864	199	19	epayment	epayment	NOUN
easat-7864	199	20	(	(	PUNCT
easat-7864	199	21	sec→att	sec→att	NUM
easat-7864	199	22	:	:	PUNCT
easat-7864	199	23	β	β	NOUN
easat-7864	199	24	0.594	0.594	NUM
easat-7864	199	25	;	;	PUNCT
easat-7864	199	26	p	p	X
easat-7864	199	27	-	-	PUNCT
easat-7864	199	28	value	value	NOUN
easat-7864	199	29	0.001	0.001	NUM
easat-7864	199	30	)	)	PUNCT
easat-7864	199	31	;	;	PUNCT
easat-7864	199	32	thus	thus	ADV
easat-7864	199	33	,	,	PUNCT
easat-7864	199	34	h4	h4	PROPN
easat-7864	199	35	is	be	AUX
easat-7864	199	36	supported	support	VERB
easat-7864	199	37	and	and	CCONJ
easat-7864	199	38	confirmed	confirm	VERB
easat-7864	199	39	,	,	PUNCT
easat-7864	199	40	where	where	SCONJ
easat-7864	199	41	perceived	perceive	VERB
easat-7864	199	42	security	security	NOUN
easat-7864	199	43	has	have	VERB
easat-7864	199	44	a	a	DET
easat-7864	199	45	direct	direct	ADJ
easat-7864	199	46	and	and	CCONJ
easat-7864	199	47	positive	positive	ADJ
easat-7864	199	48	relationship	relationship	NOUN
easat-7864	199	49	with	with	ADP
easat-7864	199	50	attitude	attitude	NOUN
easat-7864	199	51	to	to	ADP
easat-7864	199	52	e	e	NOUN
easat-7864	199	53	-	-	NOUN
easat-7864	199	54	payment	payment	NOUN
easat-7864	199	55	.	.	PUNCT
easat-7864	200	1	rew	rew	PROPN
easat-7864	200	2	–	–	PUNCT
easat-7864	200	3	att	att	PROPN
easat-7864	200	4	regarding	regard	VERB
easat-7864	200	5	e	e	NOUN
easat-7864	200	6	-	-	NOUN
easat-7864	200	7	payment	payment	ADJ
easat-7864	200	8	reward	reward	NOUN
easat-7864	200	9	,	,	PUNCT
easat-7864	200	10	the	the	DET
easat-7864	200	11	results	result	NOUN
easat-7864	200	12	show	show	VERB
easat-7864	200	13	a	a	DET
easat-7864	200	14	significant	significant	ADJ
easat-7864	200	15	and	and	CCONJ
easat-7864	200	16	positive	positive	ADJ
easat-7864	200	17	influence	influence	NOUN
easat-7864	200	18	of	of	ADP
easat-7864	200	19	attitude	attitude	NOUN
easat-7864	200	20	to	to	ADP
easat-7864	200	21	epayment	epayment	NOUN
easat-7864	200	22	(	(	PUNCT
easat-7864	200	23	rew→att	rew→att	NOUN
easat-7864	200	24	:	:	PUNCT
easat-7864	200	25	β	β	NOUN
easat-7864	200	26	0.674	0.674	NUM
easat-7864	200	27	;	;	PUNCT
easat-7864	200	28	p	p	X
easat-7864	200	29	-	-	PUNCT
easat-7864	200	30	value	value	NOUN
easat-7864	200	31	0.001	0.001	NUM
easat-7864	200	32	)	)	PUNCT
easat-7864	200	33	;	;	PUNCT
easat-7864	200	34	thus	thus	ADV
easat-7864	200	35	,	,	PUNCT
easat-7864	200	36	h5	h5	PROPN
easat-7864	200	37	is	be	AUX
easat-7864	200	38	supported	support	VERB
easat-7864	200	39	and	and	CCONJ
easat-7864	200	40	confirmed	confirm	VERB
easat-7864	200	41	,	,	PUNCT
easat-7864	200	42	where	where	SCONJ
easat-7864	200	43	reward	reward	NOUN
easat-7864	200	44	has	have	VERB
easat-7864	200	45	a	a	DET
easat-7864	200	46	direct	direct	ADJ
easat-7864	200	47	and	and	CCONJ
easat-7864	200	48	positive	positive	ADJ
easat-7864	200	49	relationship	relationship	NOUN
easat-7864	200	50	with	with	ADP
easat-7864	200	51	attitude	attitude	NOUN
easat-7864	200	52	to	to	ADP
easat-7864	200	53	e	e	NOUN
easat-7864	200	54	-	-	NOUN
easat-7864	200	55	payment	payment	NOUN
easat-7864	200	56	.	.	PUNCT
easat-7864	201	1	att	att	PROPN
easat-7864	201	2	–	–	PUNCT
easat-7864	201	3	int	int	VERB
easat-7864	201	4	finally	finally	ADV
easat-7864	201	5	,	,	PUNCT
easat-7864	201	6	in	in	ADP
easat-7864	201	7	terms	term	NOUN
easat-7864	201	8	of	of	ADP
easat-7864	201	9	the	the	DET
easat-7864	201	10	effect	effect	NOUN
easat-7864	201	11	of	of	ADP
easat-7864	201	12	attitude	attitude	NOUN
easat-7864	201	13	to	to	PART
easat-7864	201	14	intent	intent	VERB
easat-7864	201	15	to	to	PART
easat-7864	201	16	use	use	VERB
easat-7864	201	17	e	e	NOUN
easat-7864	201	18	-	-	NOUN
easat-7864	201	19	payment	payment	NOUN
easat-7864	201	20	system	system	NOUN
easat-7864	201	21	,	,	PUNCT
easat-7864	201	22	the	the	DET
easat-7864	201	23	results	result	NOUN
easat-7864	201	24	show	show	VERB
easat-7864	201	25	a	a	DET
easat-7864	201	26	significant	significant	ADJ
easat-7864	201	27	and	and	CCONJ
easat-7864	201	28	positive	positive	ADJ
easat-7864	201	29	influence	influence	NOUN
easat-7864	201	30	of	of	ADP
easat-7864	201	31	intent	intent	NOUN
easat-7864	201	32	to	to	PART
easat-7864	201	33	use	use	VERB
easat-7864	201	34	e	e	NOUN
easat-7864	201	35	-	-	NOUN
easat-7864	201	36	payment	payment	NOUN
easat-7864	201	37	(	(	PUNCT
easat-7864	201	38	att→int	att→int	NUM
easat-7864	201	39	:	:	PUNCT
easat-7864	201	40	β	β	X
easat-7864	201	41	0.906	0.906	NUM
easat-7864	201	42	;	;	PUNCT
easat-7864	201	43	p	p	X
easat-7864	201	44	-	-	PUNCT
easat-7864	201	45	value	value	NOUN
easat-7864	201	46	0.001	0.001	NUM
easat-7864	201	47	)	)	PUNCT
easat-7864	201	48	;	;	PUNCT
easat-7864	201	49	thus	thus	ADV
easat-7864	201	50	,	,	PUNCT
easat-7864	201	51	h6	h6	PROPN
easat-7864	201	52	is	be	AUX
easat-7864	201	53	supported	support	VERB
easat-7864	201	54	and	and	CCONJ
easat-7864	201	55	confirmed	confirm	VERB
easat-7864	201	56	where	where	SCONJ
easat-7864	201	57	consumer	consumer	NOUN
easat-7864	201	58	attitude	attitude	NOUN
easat-7864	201	59	has	have	VERB
easat-7864	201	60	a	a	DET
easat-7864	201	61	direct	direct	ADJ
easat-7864	201	62	and	and	CCONJ
easat-7864	201	63	positive	positive	ADJ
easat-7864	201	64	relationship	relationship	NOUN
easat-7864	201	65	with	with	ADP
easat-7864	201	66	intent	intent	NOUN
easat-7864	201	67	to	to	PART
easat-7864	201	68	use	use	VERB
easat-7864	201	69	e	e	NOUN
easat-7864	201	70	-	-	NOUN
easat-7864	201	71	payment	payment	NOUN
easat-7864	201	72	.	.	PUNCT
easat-7864	202	1	676	676	NUM
easat-7864	202	2	edelweiss	edelweiss	PROPN
easat-7864	202	3	applied	apply	VERB
easat-7864	202	4	science	science	NOUN
easat-7864	202	5	and	and	CCONJ
easat-7864	202	6	technology	technology	NOUN
easat-7864	202	7	issn	issn	PROPN
easat-7864	202	8	:	:	PUNCT
easat-7864	202	9	2576	2576	NUM
easat-7864	202	10	-	-	SYM
easat-7864	202	11	8484	8484	NUM
easat-7864	202	12	vol	vol	NOUN
easat-7864	202	13	.	.	PROPN
easat-7864	203	1	9	9	NUM
easat-7864	203	2	,	,	PUNCT
easat-7864	203	3	no	no	INTJ
easat-7864	203	4	.	.	NOUN
easat-7864	204	1	6	6	NUM
easat-7864	204	2	:	:	PUNCT
easat-7864	204	3	668	668	NUM
easat-7864	204	4	-	-	SYM
easat-7864	204	5	678	678	NUM
easat-7864	204	6	,	,	PUNCT
easat-7864	204	7	2025	2025	NUM
easat-7864	204	8	doi	doi	NOUN
easat-7864	204	9	:	:	PUNCT
easat-7864	204	10	10.55214/25768484.v9i6.7864	10.55214/25768484.v9i6.7864	PROPN
easat-7864	204	11	©	©	PROPN
easat-7864	204	12	2025	2025	NUM
easat-7864	204	13	by	by	ADP
easat-7864	204	14	the	the	DET
easat-7864	204	15	author	author	NOUN
easat-7864	204	16	;	;	PUNCT
easat-7864	204	17	licensee	licensee	PROPN
easat-7864	204	18	learning	learning	NOUN
easat-7864	204	19	gate	gate	VERB
easat-7864	204	20	3.8	3.8	NUM
easat-7864	204	21	.	.	PUNCT
easat-7864	205	1	summary	summary	NOUN
easat-7864	205	2	table	table	NOUN
easat-7864	205	3	4	4	NUM
easat-7864	205	4	.	.	PUNCT
easat-7864	206	1	summary	summary	NOUN
easat-7864	206	2	of	of	ADP
easat-7864	206	3	linear	linear	PROPN
easat-7864	206	4	regression	regression	NOUN
easat-7864	206	5	&	&	CCONJ
easat-7864	206	6	correlation	correlation	NOUN
easat-7864	206	7	.	.	PUNCT
easat-7864	207	1	hypothesis	hypothesis	NOUN
easat-7864	207	2	relationship	relationship	NOUN
easat-7864	207	3	r2	r2	PROPN
easat-7864	207	4	β	β	PROPN
easat-7864	207	5	t	t	PROPN
easat-7864	207	6	p	p	ADJ
easat-7864	207	7	-	-	PUNCT
easat-7864	207	8	value	value	NOUN
easat-7864	207	9	correlation	correlation	NOUN
easat-7864	207	10	results	result	VERB
easat-7864	207	11	h1	h1	NOUN
easat-7864	207	12	(	(	PUNCT
easat-7864	207	13	eou)→(att	eou)→(att	NOUN
easat-7864	207	14	)	)	PUNCT
easat-7864	207	15	0.287	0.287	NUM
easat-7864	207	16	0.536	0.536	NUM
easat-7864	207	17	9.261	9.261	NUM
easat-7864	207	18	0.001	0.001	NUM
easat-7864	207	19	0.536	0.536	NUM
easat-7864	207	20	supported	support	VERB
easat-7864	207	21	h2	h2	NOUN
easat-7864	207	22	(	(	PUNCT
easat-7864	207	23	use)→(att	use)→(att	NOUN
easat-7864	207	24	)	)	PUNCT
easat-7864	207	25	0.489	0.489	NUM
easat-7864	207	26	0.700	0.700	NUM
easat-7864	207	27	14.287	14.287	NUM
easat-7864	207	28	0.001	0.001	NUM
easat-7864	207	29	0.700	0.700	NUM
easat-7864	207	30	supported	support	VERB
easat-7864	207	31	h3	h3	NOUN
easat-7864	207	32	(	(	PUNCT
easat-7864	207	33	tru)→(att	tru)→(att	PROPN
easat-7864	207	34	)	)	PUNCT
easat-7864	207	35	0.340	0.340	NUM
easat-7864	207	36	0.583	0.583	NUM
easat-7864	207	37	10.473	10.473	NUM
easat-7864	207	38	0.001	0.001	NUM
easat-7864	207	39	0.583	0.583	NUM
easat-7864	207	40	supported	support	VERB
easat-7864	207	41	h4	h4	NOUN
easat-7864	207	42	(	(	PUNCT
easat-7864	207	43	sec)→(att	sec)→(att	NUM
easat-7864	207	44	)	)	PUNCT
easat-7864	207	45	0.353	0.353	NUM
easat-7864	207	46	0.594	0.594	NUM
easat-7864	207	47	10.789	10.789	NUM
easat-7864	207	48	0.001	0.001	NUM
easat-7864	207	49	0.594	0.594	NUM
easat-7864	207	50	supported	support	VERB
easat-7864	207	51	h5	h5	NOUN
easat-7864	207	52	(	(	PUNCT
easat-7864	207	53	rew)→(int	rew)→(int	NOUN
easat-7864	207	54	)	)	PUNCT
easat-7864	207	55	0.454	0.454	NUM
easat-7864	207	56	0.674	0.674	NUM
easat-7864	207	57	13.306	13.306	NUM
easat-7864	207	58	0.001	0.001	NUM
easat-7864	207	59	0.674	0.674	NUM
easat-7864	207	60	supported	support	VERB
easat-7864	207	61	h6	h6	PROPN
easat-7864	207	62	(	(	PUNCT
easat-7864	207	63	att)→(int	att)→(int	ADV
easat-7864	207	64	)	)	PUNCT
easat-7864	207	65	0.822	0.822	NUM
easat-7864	207	66	0.906	0.906	NUM
easat-7864	207	67	31.313	31.313	NUM
easat-7864	207	68	0.001	0.001	NUM
easat-7864	207	69	0.906	0.906	NUM
easat-7864	207	70	supported	support	VERB
easat-7864	207	71	4	4	NUM
easat-7864	207	72	.	.	PUNCT
easat-7864	207	73	discussion	discussion	NOUN
easat-7864	207	74	and	and	CCONJ
easat-7864	207	75	conclusion	conclusion	NOUN
easat-7864	207	76	this	this	DET
easat-7864	207	77	study	study	NOUN
easat-7864	207	78	aims	aim	VERB
easat-7864	207	79	to	to	PART
easat-7864	207	80	explore	explore	VERB
easat-7864	207	81	consumer	consumer	NOUN
easat-7864	207	82	attitudes	attitude	NOUN
easat-7864	207	83	and	and	CCONJ
easat-7864	207	84	their	their	PRON
easat-7864	207	85	intentions	intention	NOUN
easat-7864	207	86	to	to	PART
easat-7864	207	87	adopt	adopt	VERB
easat-7864	207	88	e	e	NOUN
easat-7864	207	89	-	-	NOUN
easat-7864	207	90	payment	payment	NOUN
easat-7864	207	91	systems	system	NOUN
easat-7864	207	92	for	for	ADP
easat-7864	207	93	e	e	NOUN
easat-7864	207	94	-	-	NOUN
easat-7864	207	95	commerce	commerce	NOUN
easat-7864	207	96	in	in	ADP
easat-7864	207	97	saudi	saudi	PROPN
easat-7864	207	98	arabia	arabia	PROPN
easat-7864	207	99	from	from	ADP
easat-7864	207	100	a	a	DET
easat-7864	207	101	marketing	marketing	NOUN
easat-7864	207	102	perspective	perspective	NOUN
easat-7864	207	103	.	.	PUNCT
easat-7864	208	1	the	the	DET
easat-7864	208	2	significance	significance	NOUN
easat-7864	208	3	of	of	ADP
easat-7864	208	4	the	the	DET
easat-7864	208	5	research	research	NOUN
easat-7864	208	6	lies	lie	VERB
easat-7864	208	7	in	in	ADP
easat-7864	208	8	the	the	DET
easat-7864	208	9	ongoing	ongoing	ADJ
easat-7864	208	10	advancements	advancement	NOUN
easat-7864	208	11	in	in	ADP
easat-7864	208	12	information	information	NOUN
easat-7864	208	13	and	and	CCONJ
easat-7864	208	14	financial	financial	ADJ
easat-7864	208	15	technologies	technology	NOUN
easat-7864	208	16	,	,	PUNCT
easat-7864	208	17	which	which	PRON
easat-7864	208	18	have	have	AUX
easat-7864	208	19	driven	drive	VERB
easat-7864	208	20	progress	progress	NOUN
easat-7864	208	21	in	in	ADP
easat-7864	208	22	ecommerce	ecommerce	NOUN
easat-7864	208	23	and	and	CCONJ
easat-7864	208	24	the	the	DET
easat-7864	208	25	emergence	emergence	NOUN
easat-7864	208	26	of	of	ADP
easat-7864	208	27	innovative	innovative	ADJ
easat-7864	208	28	digital	digital	ADJ
easat-7864	208	29	payment	payment	NOUN
easat-7864	208	30	solutions	solution	NOUN
easat-7864	208	31	.	.	PUNCT
easat-7864	209	1	understanding	understand	VERB
easat-7864	209	2	consumer	consumer	NOUN
easat-7864	209	3	attitudes	attitude	NOUN
easat-7864	209	4	toward	toward	ADP
easat-7864	209	5	e	e	NOUN
easat-7864	209	6	-	-	NOUN
easat-7864	209	7	payments	payment	NOUN
easat-7864	209	8	can	can	AUX
easat-7864	209	9	inform	inform	VERB
easat-7864	209	10	business	business	NOUN
easat-7864	209	11	strategies	strategy	NOUN
easat-7864	209	12	and	and	CCONJ
easat-7864	209	13	drive	drive	VERB
easat-7864	209	14	innovation	innovation	NOUN
easat-7864	209	15	.	.	PUNCT
easat-7864	210	1	insights	insight	NOUN
easat-7864	210	2	from	from	ADP
easat-7864	210	3	such	such	ADJ
easat-7864	210	4	studies	study	NOUN
easat-7864	210	5	can	can	AUX
easat-7864	210	6	help	help	VERB
easat-7864	210	7	businesses	business	NOUN
easat-7864	210	8	design	design	VERB
easat-7864	210	9	more	more	ADV
easat-7864	210	10	effective	effective	ADJ
easat-7864	210	11	payment	payment	NOUN
easat-7864	210	12	solutions	solution	NOUN
easat-7864	210	13	and	and	CCONJ
easat-7864	210	14	enhance	enhance	VERB
easat-7864	210	15	customer	customer	NOUN
easat-7864	210	16	satisfaction	satisfaction	NOUN
easat-7864	210	17	.	.	PUNCT
easat-7864	211	1	the	the	DET
easat-7864	211	2	results	result	NOUN
easat-7864	211	3	of	of	ADP
easat-7864	211	4	current	current	ADJ
easat-7864	211	5	research	research	NOUN
easat-7864	211	6	also	also	ADV
easat-7864	211	7	showed	show	VERB
easat-7864	211	8	that	that	SCONJ
easat-7864	211	9	perceived	perceive	VERB
easat-7864	211	10	usefulness	usefulness	NOUN
easat-7864	211	11	and	and	CCONJ
easat-7864	211	12	ease	ease	NOUN
easat-7864	211	13	of	of	ADP
easat-7864	211	14	use	use	NOUN
easat-7864	211	15	have	have	VERB
easat-7864	211	16	a	a	DET
easat-7864	211	17	positive	positive	ADJ
easat-7864	211	18	and	and	CCONJ
easat-7864	211	19	significant	significant	ADJ
easat-7864	211	20	influence	influence	NOUN
easat-7864	211	21	on	on	ADP
easat-7864	211	22	consumers	consumer	NOUN
easat-7864	211	23	'	'	PART
easat-7864	211	24	attitudes	attitude	NOUN
easat-7864	211	25	toward	toward	ADP
easat-7864	211	26	using	use	VERB
easat-7864	211	27	e	e	NOUN
easat-7864	211	28	-	-	NOUN
easat-7864	211	29	payments	payment	NOUN
easat-7864	211	30	.	.	PUNCT
easat-7864	212	1	these	these	DET
easat-7864	212	2	results	result	NOUN
easat-7864	212	3	confirm	confirm	VERB
easat-7864	212	4	the	the	DET
easat-7864	212	5	analysis	analysis	NOUN
easat-7864	212	6	of	of	ADP
easat-7864	212	7	other	other	ADJ
easat-7864	212	8	researchers	researcher	NOUN
easat-7864	212	9	,	,	PUNCT
easat-7864	212	10	such	such	ADJ
easat-7864	212	11	as	as	ADP
easat-7864	212	12	alswaigh	alswaigh	ADJ
easat-7864	212	13	and	and	CCONJ
easat-7864	212	14	aloud	aloud	ADJ
easat-7864	212	15	[	[	X
easat-7864	212	16	7	7	NUM
easat-7864	212	17	]	]	PUNCT
easat-7864	212	18	and	and	CCONJ
easat-7864	212	19	sarkam	sarkam	ADJ
easat-7864	212	20	,	,	PUNCT
easat-7864	212	21	et	et	PROPN
easat-7864	212	22	al	al	PROPN
easat-7864	212	23	.	.	PUNCT
easat-7864	213	1	[	[	X
easat-7864	213	2	6	6	NUM
easat-7864	213	3	]	]	PUNCT
easat-7864	213	4	stated	state	VERB
easat-7864	213	5	that	that	SCONJ
easat-7864	213	6	perceived	perceive	VERB
easat-7864	213	7	usefulness	usefulness	NOUN
easat-7864	213	8	and	and	CCONJ
easat-7864	213	9	easy	easy	ADJ
easat-7864	213	10	use	use	NOUN
easat-7864	213	11	influence	influence	NOUN
easat-7864	213	12	the	the	DET
easat-7864	213	13	attitude	attitude	NOUN
easat-7864	213	14	to	to	PART
easat-7864	213	15	use	use	VERB
easat-7864	213	16	e	e	NOUN
easat-7864	213	17	-	-	NOUN
easat-7864	213	18	payment	payment	NOUN
easat-7864	213	19	.	.	PUNCT
easat-7864	214	1	in	in	ADP
easat-7864	214	2	addition	addition	NOUN
easat-7864	214	3	,	,	PUNCT
easat-7864	214	4	the	the	DET
easat-7864	214	5	result	result	NOUN
easat-7864	214	6	showed	show	VERB
easat-7864	214	7	that	that	SCONJ
easat-7864	214	8	trust	trust	NOUN
easat-7864	214	9	has	have	VERB
easat-7864	214	10	a	a	DET
easat-7864	214	11	positive	positive	ADJ
easat-7864	214	12	and	and	CCONJ
easat-7864	214	13	significant	significant	ADJ
easat-7864	214	14	influence	influence	NOUN
easat-7864	214	15	towards	towards	ADP
easat-7864	214	16	consumer	consumer	NOUN
easat-7864	214	17	attitudes	attitude	NOUN
easat-7864	214	18	to	to	PART
easat-7864	214	19	use	use	VERB
easat-7864	214	20	e	e	NOUN
easat-7864	214	21	-	-	NOUN
easat-7864	214	22	payment	payment	NOUN
easat-7864	214	23	are	be	AUX
easat-7864	214	24	the	the	DET
easat-7864	214	25	result	result	NOUN
easat-7864	214	26	on	on	ADP
easat-7864	214	27	this	this	DET
easat-7864	214	28	research	research	NOUN
easat-7864	214	29	.	.	PUNCT
easat-7864	215	1	these	these	DET
easat-7864	215	2	results	result	NOUN
easat-7864	215	3	match	match	VERB
easat-7864	215	4	the	the	DET
easat-7864	215	5	analysis	analysis	NOUN
easat-7864	215	6	of	of	ADP
easat-7864	215	7	other	other	ADJ
easat-7864	215	8	researchers	researcher	NOUN
easat-7864	215	9	(	(	PUNCT
easat-7864	215	10	e.g.	e.g.	ADV
easat-7864	215	11	[	[	X
easat-7864	215	12	12	12	NUM
easat-7864	215	13	,	,	PUNCT
easat-7864	215	14	27	27	NUM
easat-7864	215	15	]	]	PUNCT
easat-7864	215	16	)	)	PUNCT
easat-7864	215	17	stated	state	VERB
easat-7864	215	18	that	that	SCONJ
easat-7864	215	19	trust	trust	NOUN
easat-7864	215	20	influences	influence	VERB
easat-7864	215	21	the	the	DET
easat-7864	215	22	intention	intention	NOUN
easat-7864	215	23	to	to	PART
easat-7864	215	24	use	use	VERB
easat-7864	215	25	e	e	NOUN
easat-7864	215	26	-	-	NOUN
easat-7864	215	27	payment	payment	NOUN
easat-7864	215	28	.	.	PUNCT
easat-7864	216	1	the	the	DET
easat-7864	216	2	result	result	NOUN
easat-7864	216	3	illustrated	illustrate	VERB
easat-7864	216	4	that	that	SCONJ
easat-7864	216	5	consumers	consumer	NOUN
easat-7864	216	6	'	'	PART
easat-7864	216	7	attitude	attitude	NOUN
easat-7864	216	8	has	have	VERB
easat-7864	216	9	a	a	DET
easat-7864	216	10	positive	positive	ADJ
easat-7864	216	11	and	and	CCONJ
easat-7864	216	12	significant	significant	ADJ
easat-7864	216	13	influence	influence	NOUN
easat-7864	216	14	towards	towards	ADP
easat-7864	216	15	the	the	DET
easat-7864	216	16	intention	intention	NOUN
easat-7864	216	17	to	to	PART
easat-7864	216	18	use	use	VERB
easat-7864	216	19	e	e	NOUN
easat-7864	216	20	-	-	NOUN
easat-7864	216	21	payment	payment	NOUN
easat-7864	216	22	.	.	PUNCT
easat-7864	217	1	these	these	DET
easat-7864	217	2	results	result	NOUN
easat-7864	217	3	match	match	VERB
easat-7864	217	4	the	the	DET
easat-7864	217	5	analysis	analysis	NOUN
easat-7864	217	6	of	of	ADP
easat-7864	217	7	other	other	ADJ
easat-7864	217	8	researchers	researcher	NOUN
easat-7864	217	9	,	,	PUNCT
easat-7864	217	10	such	such	ADJ
easat-7864	217	11	as	as	ADP
easat-7864	217	12	alswaigh	alswaigh	ADJ
easat-7864	217	13	and	and	CCONJ
easat-7864	217	14	aloud	aloud	ADJ
easat-7864	217	15	[	[	X
easat-7864	217	16	7	7	X
easat-7864	217	17	]	]	PUNCT
easat-7864	217	18	stated	state	VERB
easat-7864	217	19	that	that	SCONJ
easat-7864	217	20	user	user	NOUN
easat-7864	217	21	attitude	attitude	NOUN
easat-7864	217	22	and	and	CCONJ
easat-7864	217	23	intention	intention	NOUN
easat-7864	217	24	are	be	AUX
easat-7864	217	25	positively	positively	ADV
easat-7864	217	26	influenced	influence	VERB
easat-7864	217	27	by	by	ADP
easat-7864	217	28	all	all	PRON
easat-7864	217	29	of	of	ADP
easat-7864	217	30	the	the	DET
easat-7864	217	31	factors	factor	NOUN
easat-7864	217	32	.	.	PUNCT
easat-7864	218	1	also	also	ADV
easat-7864	218	2	,	,	PUNCT
easat-7864	218	3	chaveesuk	chaveesuk	NOUN
easat-7864	218	4	,	,	PUNCT
easat-7864	218	5	et	et	PROPN
easat-7864	218	6	al	al	PROPN
easat-7864	218	7	.	.	PUNCT
easat-7864	219	1	[	[	X
easat-7864	219	2	28	28	NUM
easat-7864	219	3	]	]	PUNCT
easat-7864	219	4	have	have	AUX
easat-7864	219	5	found	find	VERB
easat-7864	219	6	that	that	SCONJ
easat-7864	219	7	there	there	PRON
easat-7864	219	8	is	be	VERB
easat-7864	219	9	an	an	DET
easat-7864	219	10	influence	influence	NOUN
easat-7864	219	11	of	of	ADP
easat-7864	219	12	attitude	attitude	NOUN
easat-7864	219	13	toward	toward	ADP
easat-7864	219	14	consumer	consumer	NOUN
easat-7864	219	15	intention	intention	NOUN
easat-7864	219	16	to	to	PART
easat-7864	219	17	use	use	VERB
easat-7864	219	18	the	the	DET
easat-7864	219	19	e	e	NOUN
easat-7864	219	20	-	-	NOUN
easat-7864	219	21	payment	payment	NOUN
easat-7864	219	22	system	system	NOUN
easat-7864	219	23	.	.	PUNCT
easat-7864	220	1	studying	study	VERB
easat-7864	220	2	e	e	NOUN
easat-7864	220	3	-	-	NOUN
easat-7864	220	4	payments	payment	NOUN
easat-7864	220	5	and	and	CCONJ
easat-7864	220	6	consumer	consumer	NOUN
easat-7864	220	7	attitudes	attitude	NOUN
easat-7864	220	8	is	be	AUX
easat-7864	220	9	vital	vital	ADJ
easat-7864	220	10	for	for	ADP
easat-7864	220	11	the	the	DET
easat-7864	220	12	advancement	advancement	NOUN
easat-7864	220	13	of	of	ADP
easat-7864	220	14	the	the	DET
easat-7864	220	15	digital	digital	ADJ
easat-7864	220	16	economy	economy	NOUN
easat-7864	220	17	.	.	PUNCT
easat-7864	221	1	it	it	PRON
easat-7864	221	2	helps	help	VERB
easat-7864	221	3	in	in	ADP
easat-7864	221	4	understanding	understand	VERB
easat-7864	221	5	consumer	consumer	NOUN
easat-7864	221	6	behavior	behavior	NOUN
easat-7864	221	7	,	,	PUNCT
easat-7864	221	8	enhancing	enhance	VERB
easat-7864	221	9	trust	trust	NOUN
easat-7864	221	10	and	and	CCONJ
easat-7864	221	11	security	security	NOUN
easat-7864	221	12	,	,	PUNCT
easat-7864	221	13	informing	inform	VERB
easat-7864	221	14	policy	policy	NOUN
easat-7864	221	15	decisions	decision	NOUN
easat-7864	221	16	,	,	PUNCT
easat-7864	221	17	promoting	promote	VERB
easat-7864	221	18	financial	financial	ADJ
easat-7864	221	19	inclusion	inclusion	NOUN
easat-7864	221	20	,	,	PUNCT
easat-7864	221	21	and	and	CCONJ
easat-7864	221	22	driving	drive	VERB
easat-7864	221	23	business	business	NOUN
easat-7864	221	24	innovation	innovation	NOUN
easat-7864	221	25	.	.	PUNCT
easat-7864	222	1	however	however	ADV
easat-7864	222	2	,	,	PUNCT
easat-7864	222	3	this	this	DET
easat-7864	222	4	study	study	NOUN
easat-7864	222	5	has	have	VERB
easat-7864	222	6	limitations	limitation	NOUN
easat-7864	222	7	,	,	PUNCT
easat-7864	222	8	namely	namely	ADV
easat-7864	222	9	that	that	SCONJ
easat-7864	222	10	it	it	PRON
easat-7864	222	11	is	be	AUX
easat-7864	222	12	conducted	conduct	VERB
easat-7864	222	13	only	only	ADV
easat-7864	222	14	on	on	ADP
easat-7864	222	15	saudi	saudi	ADJ
easat-7864	222	16	arabian	arabian	ADJ
easat-7864	222	17	shoppers	shopper	NOUN
easat-7864	222	18	.	.	PUNCT
easat-7864	223	1	further	further	ADJ
easat-7864	223	2	research	research	NOUN
easat-7864	223	3	is	be	AUX
easat-7864	223	4	expected	expect	VERB
easat-7864	223	5	to	to	PART
easat-7864	223	6	expand	expand	VERB
easat-7864	223	7	the	the	DET
easat-7864	223	8	scope	scope	NOUN
easat-7864	223	9	of	of	ADP
easat-7864	223	10	this	this	DET
easat-7864	223	11	research	research	NOUN
easat-7864	223	12	to	to	PART
easat-7864	223	13	study	study	VERB
easat-7864	223	14	the	the	DET
easat-7864	223	15	influence	influence	NOUN
easat-7864	223	16	of	of	ADP
easat-7864	223	17	those	those	DET
easat-7864	223	18	factors	factor	NOUN
easat-7864	223	19	,	,	PUNCT
easat-7864	223	20	there	there	PRON
easat-7864	223	21	is	be	VERB
easat-7864	223	22	a	a	DET
easat-7864	223	23	gap	gap	NOUN
easat-7864	223	24	in	in	ADP
easat-7864	223	25	this	this	DET
easat-7864	223	26	domain	domain	NOUN
easat-7864	223	27	,	,	PUNCT
easat-7864	223	28	see	see	VERB
easat-7864	223	29	ramayanti	ramayanti	PROPN
easat-7864	223	30	,	,	PUNCT
easat-7864	223	31	et	et	PROPN
easat-7864	223	32	al	al	PROPN
easat-7864	223	33	.	.	PUNCT
easat-7864	224	1	[	[	X
easat-7864	224	2	29	29	NUM
easat-7864	224	3	]	]	PUNCT
easat-7864	224	4	including	include	VERB
easat-7864	224	5	social	social	ADJ
easat-7864	224	6	influence	influence	NOUN
easat-7864	224	7	,	,	PUNCT
easat-7864	224	8	and	and	CCONJ
easat-7864	224	9	use	use	VERB
easat-7864	224	10	a	a	DET
easat-7864	224	11	control	control	NOUN
easat-7864	224	12	group	group	NOUN
easat-7864	224	13	of	of	ADP
easat-7864	224	14	different	different	ADJ
easat-7864	224	15	genders	gender	NOUN
easat-7864	224	16	and	and	CCONJ
easat-7864	224	17	ages	age	NOUN
easat-7864	224	18	.	.	PUNCT
easat-7864	225	1	transparency	transparency	NOUN
easat-7864	225	2	:	:	PUNCT
easat-7864	225	3	the	the	DET
easat-7864	225	4	author	author	NOUN
easat-7864	225	5	confirms	confirm	VERB
easat-7864	225	6	that	that	SCONJ
easat-7864	225	7	the	the	DET
easat-7864	225	8	manuscript	manuscript	NOUN
easat-7864	225	9	is	be	AUX
easat-7864	225	10	an	an	DET
easat-7864	225	11	honest	honest	ADJ
easat-7864	225	12	,	,	PUNCT
easat-7864	225	13	accurate	accurate	ADJ
easat-7864	225	14	,	,	PUNCT
easat-7864	225	15	and	and	CCONJ
easat-7864	225	16	transparent	transparent	ADJ
easat-7864	225	17	account	account	NOUN
easat-7864	225	18	of	of	ADP
easat-7864	225	19	the	the	DET
easat-7864	225	20	study	study	NOUN
easat-7864	225	21	;	;	PUNCT
easat-7864	225	22	that	that	SCONJ
easat-7864	225	23	no	no	DET
easat-7864	225	24	vital	vital	ADJ
easat-7864	225	25	features	feature	NOUN
easat-7864	225	26	of	of	ADP
easat-7864	225	27	the	the	DET
easat-7864	225	28	study	study	NOUN
easat-7864	225	29	have	have	AUX
easat-7864	225	30	been	be	AUX
easat-7864	225	31	omitted	omit	VERB
easat-7864	225	32	;	;	PUNCT
easat-7864	225	33	and	and	CCONJ
easat-7864	225	34	that	that	SCONJ
easat-7864	225	35	any	any	DET
easat-7864	225	36	discrepancies	discrepancy	NOUN
easat-7864	225	37	from	from	ADP
easat-7864	225	38	the	the	DET
easat-7864	225	39	study	study	NOUN
easat-7864	225	40	as	as	SCONJ
easat-7864	225	41	planned	plan	VERB
easat-7864	225	42	have	have	AUX
easat-7864	225	43	been	be	AUX
easat-7864	225	44	explained	explain	VERB
easat-7864	225	45	.	.	PUNCT
easat-7864	226	1	this	this	DET
easat-7864	226	2	study	study	NOUN
easat-7864	226	3	followed	follow	VERB
easat-7864	226	4	all	all	DET
easat-7864	226	5	ethical	ethical	ADJ
easat-7864	226	6	practices	practice	NOUN
easat-7864	226	7	during	during	ADP
easat-7864	226	8	writing	writing	NOUN
easat-7864	226	9	.	.	PUNCT
easat-7864	227	1	acknowledgements	acknowledgement	NOUN
easat-7864	227	2	:	:	PUNCT
easat-7864	227	3	the	the	DET
easat-7864	227	4	author	author	NOUN
easat-7864	227	5	acknowledges	acknowledge	VERB
easat-7864	227	6	and	and	CCONJ
easat-7864	227	7	gives	give	VERB
easat-7864	227	8	the	the	DET
easat-7864	227	9	warmest	warm	ADJ
easat-7864	227	10	thanks	thank	NOUN
easat-7864	227	11	to	to	ADP
easat-7864	227	12	staff	staff	NOUN
easat-7864	227	13	and	and	CCONJ
easat-7864	227	14	faculty	faculty	NOUN
easat-7864	227	15	members	member	NOUN
easat-7864	227	16	at	at	ADP
easat-7864	227	17	saudi	saudi	ADJ
easat-7864	227	18	electronic	electronic	ADJ
easat-7864	227	19	university	university	NOUN
easat-7864	227	20	for	for	ADP
easat-7864	227	21	their	their	PRON
easat-7864	227	22	support	support	NOUN
easat-7864	227	23	.	.	PUNCT
easat-7864	228	1	677	677	NUM
easat-7864	228	2	edelweiss	edelweiss	PROPN
easat-7864	228	3	applied	apply	VERB
easat-7864	228	4	science	science	NOUN
easat-7864	228	5	and	and	CCONJ
easat-7864	228	6	technology	technology	NOUN
easat-7864	228	7	issn	issn	PROPN
easat-7864	228	8	:	:	PUNCT
easat-7864	228	9	2576	2576	NUM
easat-7864	228	10	-	-	SYM
easat-7864	228	11	8484	8484	NUM
easat-7864	228	12	vol	vol	NOUN
easat-7864	228	13	.	.	PROPN
easat-7864	229	1	9	9	NUM
easat-7864	229	2	,	,	PUNCT
easat-7864	229	3	no	no	INTJ
easat-7864	229	4	.	.	NOUN
easat-7864	230	1	6	6	NUM
easat-7864	230	2	:	:	PUNCT
easat-7864	230	3	668	668	NUM
easat-7864	230	4	-	-	SYM
easat-7864	230	5	678	678	NUM
easat-7864	230	6	,	,	PUNCT
easat-7864	230	7	2025	2025	NUM
easat-7864	230	8	doi	doi	NOUN
easat-7864	230	9	:	:	PUNCT
easat-7864	230	10	10.55214/25768484.v9i6.7864	10.55214/25768484.v9i6.7864	PROPN
easat-7864	230	11	©	©	PROPN
easat-7864	230	12	2025	2025	NUM
easat-7864	230	13	by	by	ADP
easat-7864	230	14	the	the	DET
easat-7864	230	15	author	author	NOUN
easat-7864	230	16	;	;	PUNCT
easat-7864	230	17	licensee	licensee	PROPN
easat-7864	230	18	learning	learn	VERB
easat-7864	230	19	gate	gate	NOUN
easat-7864	230	20	copyright	copyright	NOUN
easat-7864	230	21	:	:	PUNCT
easat-7864	230	22	©	©	PROPN
easat-7864	230	23	2025	2025	NUM
easat-7864	230	24	by	by	ADP
easat-7864	230	25	the	the	DET
easat-7864	230	26	author	author	NOUN
easat-7864	230	27	.	.	PUNCT
easat-7864	231	1	this	this	DET
easat-7864	231	2	open	open	ADJ
easat-7864	231	3	-	-	PUNCT
easat-7864	231	4	access	access	NOUN
easat-7864	231	5	article	article	NOUN
easat-7864	231	6	is	be	AUX
easat-7864	231	7	distributed	distribute	VERB
easat-7864	231	8	under	under	ADP
easat-7864	231	9	the	the	DET
easat-7864	231	10	terms	term	NOUN
easat-7864	231	11	and	and	CCONJ
easat-7864	231	12	conditions	condition	NOUN
easat-7864	231	13	of	of	ADP
easat-7864	231	14	the	the	DET
easat-7864	231	15	creative	creative	ADJ
easat-7864	231	16	commons	common	NOUN
easat-7864	231	17	attribution	attribution	NOUN
easat-7864	231	18	(	(	PUNCT
easat-7864	231	19	cc	cc	NOUN
easat-7864	231	20	by	by	ADP
easat-7864	231	21	)	)	PUNCT
easat-7864	231	22	license	license	NOUN
easat-7864	231	23	(	(	PUNCT
easat-7864	231	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-7864	231	25	)	)	PUNCT
easat-7864	231	26	.	.	PUNCT
easat-7864	232	1	references	reference	NOUN
easat-7864	232	2	[	[	X
easat-7864	232	3	1	1	NUM
easat-7864	232	4	]	]	X
easat-7864	232	5	statista	statista	NOUN
easat-7864	232	6	,	,	PUNCT
easat-7864	232	7	number	number	NOUN
easat-7864	232	8	of	of	ADP
easat-7864	232	9	internet	internet	NOUN
easat-7864	232	10	and	and	CCONJ
easat-7864	232	11	social	social	ADJ
easat-7864	232	12	media	medium	NOUN
easat-7864	232	13	users	user	NOUN
easat-7864	232	14	worldwide	worldwide	ADV
easat-7864	232	15	.	.	PUNCT
easat-7864	233	1	germany	germany	PROPN
easat-7864	233	2	:	:	PUNCT
easat-7864	233	3	statista	statista	PROPN
easat-7864	233	4	,	,	PUNCT
easat-7864	233	5	2025	2025	NUM
easat-7864	233	6	.	.	PUNCT
easat-7864	234	1	[	[	X
easat-7864	234	2	2	2	NUM
easat-7864	234	3	]	]	PUNCT
easat-7864	234	4	f.	f.	PROPN
easat-7864	234	5	d.	d.	PROPN
easat-7864	234	6	davis	davis	PROPN
easat-7864	234	7	,	,	PUNCT
easat-7864	234	8	"	"	PUNCT
easat-7864	234	9	perceived	perceive	VERB
easat-7864	234	10	usefulness	usefulness	NOUN
easat-7864	234	11	,	,	PUNCT
easat-7864	234	12	perceived	perceive	VERB
easat-7864	234	13	ease	ease	NOUN
easat-7864	234	14	of	of	ADP
easat-7864	234	15	use	use	NOUN
easat-7864	234	16	,	,	PUNCT
easat-7864	234	17	and	and	CCONJ
easat-7864	234	18	user	user	NOUN
easat-7864	234	19	acceptance	acceptance	NOUN
easat-7864	234	20	of	of	ADP
easat-7864	234	21	information	information	NOUN
easat-7864	234	22	technology	technology	NOUN
easat-7864	234	23	,	,	PUNCT
easat-7864	234	24	"	"	PUNCT
easat-7864	234	25	mis	mis	PROPN
easat-7864	234	26	quarterly	quarterly	ADJ
easat-7864	234	27	,	,	PUNCT
easat-7864	234	28	vol	vol	NOUN
easat-7864	234	29	.	.	PROPN
easat-7864	234	30	13	13	NUM
easat-7864	234	31	,	,	PUNCT
easat-7864	234	32	no	no	INTJ
easat-7864	234	33	.	.	NOUN
easat-7864	234	34	3	3	NUM
easat-7864	234	35	,	,	PUNCT
easat-7864	234	36	pp	pp	ADJ
easat-7864	234	37	.	.	PUNCT
easat-7864	235	1	319	319	NUM
easat-7864	235	2	-	-	SYM
easat-7864	235	3	340	340	NUM
easat-7864	235	4	,	,	PUNCT
easat-7864	235	5	1989	1989	NUM
easat-7864	235	6	.	.	PUNCT
easat-7864	236	1	https://doi.org/10.2307/249008	https://doi.org/10.2307/249008	X
easat-7864	237	1	[	[	X
easat-7864	237	2	3	3	NUM
easat-7864	237	3	]	]	X
easat-7864	237	4	d.	d.	PROPN
easat-7864	237	5	gefen	gefen	PROPN
easat-7864	237	6	,	,	PUNCT
easat-7864	237	7	e.	e.	PROPN
easat-7864	237	8	karahanna	karahanna	PROPN
easat-7864	237	9	,	,	PUNCT
easat-7864	237	10	and	and	CCONJ
easat-7864	237	11	d.	d.	PROPN
easat-7864	237	12	w.	w.	PROPN
easat-7864	237	13	straub	straub	PROPN
easat-7864	237	14	,	,	PUNCT
easat-7864	237	15	"	"	PUNCT
easat-7864	237	16	trust	trust	NOUN
easat-7864	237	17	and	and	CCONJ
easat-7864	237	18	tam	tam	X
easat-7864	237	19	in	in	ADP
easat-7864	237	20	online	online	ADJ
easat-7864	237	21	shopping	shopping	NOUN
easat-7864	237	22	:	:	PUNCT
easat-7864	237	23	an	an	DET
easat-7864	237	24	integrated	integrated	ADJ
easat-7864	237	25	model	model	NOUN
easat-7864	237	26	,	,	PUNCT
easat-7864	237	27	"	"	PUNCT
easat-7864	237	28	mis	mis	PROPN
easat-7864	237	29	quarterly	quarterly	ADJ
easat-7864	237	30	,	,	PUNCT
easat-7864	237	31	vol	vol	NOUN
easat-7864	237	32	.	.	PROPN
easat-7864	237	33	27	27	NUM
easat-7864	237	34	,	,	PUNCT
easat-7864	237	35	no	no	INTJ
easat-7864	237	36	.	.	NOUN
easat-7864	237	37	1	1	NUM
easat-7864	237	38	,	,	PUNCT
easat-7864	237	39	pp	pp	ADJ
easat-7864	237	40	.	.	PUNCT
easat-7864	238	1	51	51	NUM
easat-7864	238	2	-	-	SYM
easat-7864	238	3	90	90	NUM
easat-7864	238	4	,	,	PUNCT
easat-7864	238	5	2003	2003	NUM
easat-7864	238	6	.	.	PUNCT
easat-7864	239	1	https://doi.org/10.2307/30036519	https://doi.org/10.2307/30036519	X
easat-7864	240	1	[	[	X
easat-7864	240	2	4	4	X
easat-7864	240	3	]	]	X
easat-7864	240	4	v.	v.	CCONJ
easat-7864	240	5	venkatesh	venkatesh	PROPN
easat-7864	240	6	,	,	PUNCT
easat-7864	240	7	m.	m.	NOUN
easat-7864	240	8	g.	g.	PROPN
easat-7864	240	9	morris	morris	PROPN
easat-7864	240	10	,	,	PUNCT
easat-7864	240	11	g.	g.	PROPN
easat-7864	240	12	b.	b.	PROPN
easat-7864	240	13	davis	davis	PROPN
easat-7864	240	14	,	,	PUNCT
easat-7864	240	15	and	and	CCONJ
easat-7864	240	16	f.	f.	PROPN
easat-7864	240	17	d.	d.	PROPN
easat-7864	240	18	davis	davis	PROPN
easat-7864	240	19	,	,	PUNCT
easat-7864	240	20	"	"	PUNCT
easat-7864	240	21	user	user	NOUN
easat-7864	240	22	acceptance	acceptance	NOUN
easat-7864	240	23	of	of	ADP
easat-7864	240	24	information	information	NOUN
easat-7864	240	25	technology	technology	NOUN
easat-7864	240	26	:	:	PUNCT
easat-7864	240	27	toward	toward	ADP
easat-7864	240	28	a	a	DET
easat-7864	240	29	unified	unified	ADJ
easat-7864	240	30	view	view	NOUN
easat-7864	240	31	,	,	PUNCT
easat-7864	240	32	"	"	PUNCT
easat-7864	240	33	mis	mis	PROPN
easat-7864	240	34	quarterly	quarterly	ADJ
easat-7864	240	35	,	,	PUNCT
easat-7864	240	36	vol	vol	NOUN
easat-7864	240	37	.	.	PROPN
easat-7864	240	38	27	27	NUM
easat-7864	240	39	,	,	PUNCT
easat-7864	240	40	no	no	INTJ
easat-7864	240	41	.	.	NOUN
easat-7864	240	42	3	3	NUM
easat-7864	240	43	,	,	PUNCT
easat-7864	240	44	pp	pp	ADJ
easat-7864	240	45	.	.	PUNCT
easat-7864	241	1	425	425	NUM
easat-7864	241	2	-	-	SYM
easat-7864	241	3	478	478	NUM
easat-7864	241	4	,	,	PUNCT
easat-7864	241	5	2003	2003	NUM
easat-7864	241	6	.	.	PUNCT
easat-7864	242	1	https://doi.org/10.2307/30036540	https://doi.org/10.2307/30036540	X
easat-7864	243	1	[	[	X
easat-7864	243	2	5	5	X
easat-7864	243	3	]	]	PUNCT
easat-7864	243	4	t.	t.	PROPN
easat-7864	243	5	dahlberg	dahlberg	PROPN
easat-7864	243	6	,	,	PUNCT
easat-7864	243	7	j.	j.	PROPN
easat-7864	243	8	guo	guo	PROPN
easat-7864	243	9	,	,	PUNCT
easat-7864	243	10	and	and	CCONJ
easat-7864	243	11	j.	j.	PROPN
easat-7864	243	12	ondrus	ondrus	PROPN
easat-7864	243	13	,	,	PUNCT
easat-7864	243	14	"	"	PUNCT
easat-7864	243	15	a	a	DET
easat-7864	243	16	critical	critical	ADJ
easat-7864	243	17	review	review	NOUN
easat-7864	243	18	of	of	ADP
easat-7864	243	19	mobile	mobile	ADJ
easat-7864	243	20	payment	payment	NOUN
easat-7864	243	21	research	research	NOUN
easat-7864	243	22	,	,	PUNCT
easat-7864	243	23	"	"	PUNCT
easat-7864	243	24	electronic	electronic	ADJ
easat-7864	243	25	commerce	commerce	NOUN
easat-7864	243	26	research	research	NOUN
easat-7864	243	27	and	and	CCONJ
easat-7864	243	28	applications	application	NOUN
easat-7864	243	29	,	,	PUNCT
easat-7864	243	30	vol	vol	NOUN
easat-7864	243	31	.	.	PROPN
easat-7864	243	32	14	14	NUM
easat-7864	243	33	,	,	PUNCT
easat-7864	243	34	no	no	INTJ
easat-7864	243	35	.	.	NOUN
easat-7864	243	36	5	5	NUM
easat-7864	243	37	,	,	PUNCT
easat-7864	243	38	pp	pp	ADJ
easat-7864	243	39	.	.	PUNCT
easat-7864	244	1	265	265	NUM
easat-7864	244	2	-	-	SYM
easat-7864	244	3	284	284	NUM
easat-7864	244	4	,	,	PUNCT
easat-7864	244	5	2015	2015	NUM
easat-7864	244	6	.	.	PUNCT
easat-7864	245	1	https://doi.org/10.1016/j.elerap.2015.07.006	https://doi.org/10.1016/j.elerap.2015.07.006	PROPN
easat-7864	245	2	[	[	X
easat-7864	245	3	6	6	NUM
easat-7864	245	4	]	]	X
easat-7864	245	5	n.	n.	NOUN
easat-7864	245	6	a.	a.	NOUN
easat-7864	245	7	sarkam	sarkam	PROPN
easat-7864	245	8	,	,	PUNCT
easat-7864	245	9	n.	n.	PROPN
easat-7864	245	10	mohamad	mohamad	PROPN
easat-7864	245	11	razi	razi	PROPN
easat-7864	245	12	,	,	PUNCT
easat-7864	245	13	n.	n.	PROPN
easat-7864	245	14	h.	h.	PROPN
easat-7864	245	15	mohammad	mohammad	PROPN
easat-7864	245	16	,	,	PUNCT
easat-7864	245	17	n.	n.	PROPN
easat-7864	245	18	i.	i.	PROPN
easat-7864	245	19	jamil	jamil	PROPN
easat-7864	245	20	,	,	PUNCT
easat-7864	245	21	and	and	CCONJ
easat-7864	245	22	l.	l.	PROPN
easat-7864	245	23	kurniawati	kurniawati	PROPN
easat-7864	245	24	,	,	PUNCT
easat-7864	245	25	"	"	PUNCT
easat-7864	245	26	attitudes	attitude	NOUN
easat-7864	245	27	,	,	PUNCT
easat-7864	245	28	security	security	NOUN
easat-7864	245	29	,	,	PUNCT
easat-7864	245	30	and	and	CCONJ
easat-7864	245	31	perceived	perceive	VERB
easat-7864	245	32	ease	ease	NOUN
easat-7864	245	33	of	of	ADP
easat-7864	245	34	use	use	NOUN
easat-7864	245	35	influence	influence	NOUN
easat-7864	245	36	the	the	DET
easat-7864	245	37	consumers	consumer	NOUN
easat-7864	245	38	’	’	PART
easat-7864	245	39	decision	decision	NOUN
easat-7864	245	40	to	to	PART
easat-7864	245	41	use	use	VERB
easat-7864	245	42	an	an	DET
easat-7864	245	43	e	e	NOUN
easat-7864	245	44	-	-	NOUN
easat-7864	245	45	payment	payment	NOUN
easat-7864	245	46	system	system	NOUN
easat-7864	245	47	,	,	PUNCT
easat-7864	245	48	"	"	PUNCT
easat-7864	245	49	international	international	ADJ
easat-7864	245	50	journal	journal	NOUN
easat-7864	245	51	of	of	ADP
easat-7864	245	52	academic	academic	ADJ
easat-7864	245	53	research	research	NOUN
easat-7864	245	54	in	in	ADP
easat-7864	245	55	business	business	NOUN
easat-7864	245	56	and	and	CCONJ
easat-7864	245	57	social	social	ADJ
easat-7864	245	58	sciences	science	NOUN
easat-7864	245	59	,	,	PUNCT
easat-7864	245	60	vol	vol	NOUN
easat-7864	245	61	.	.	PROPN
easat-7864	245	62	12	12	NUM
easat-7864	245	63	,	,	PUNCT
easat-7864	245	64	no	no	INTJ
easat-7864	245	65	.	.	NOUN
easat-7864	245	66	3	3	NUM
easat-7864	245	67	,	,	PUNCT
easat-7864	245	68	pp	pp	ADJ
easat-7864	245	69	.	.	PUNCT
easat-7864	245	70	357	357	NUM
easat-7864	245	71	-	-	SYM
easat-7864	245	72	368	368	NUM
easat-7864	245	73	,	,	PUNCT
easat-7864	245	74	2022	2022	NUM
easat-7864	245	75	.	.	PUNCT
easat-7864	246	1	[	[	X
easat-7864	246	2	7	7	X
easat-7864	246	3	]	]	X
easat-7864	246	4	n.	n.	PROPN
easat-7864	246	5	y.	y.	PROPN
easat-7864	246	6	alswaigh	alswaigh	PROPN
easat-7864	246	7	and	and	CCONJ
easat-7864	246	8	m.	m.	PROPN
easat-7864	246	9	e.	e.	PROPN
easat-7864	246	10	aloud	aloud	PROPN
easat-7864	246	11	,	,	PUNCT
easat-7864	246	12	"	"	PUNCT
easat-7864	246	13	factors	factor	NOUN
easat-7864	246	14	affecting	affect	VERB
easat-7864	246	15	user	user	NOUN
easat-7864	246	16	adoption	adoption	NOUN
easat-7864	246	17	of	of	ADP
easat-7864	246	18	e	e	NOUN
easat-7864	246	19	-	-	NOUN
easat-7864	246	20	payment	payment	ADJ
easat-7864	246	21	services	service	NOUN
easat-7864	246	22	available	available	ADJ
easat-7864	246	23	in	in	ADP
easat-7864	246	24	mobile	mobile	ADJ
easat-7864	246	25	wallets	wallet	NOUN
easat-7864	246	26	in	in	ADP
easat-7864	246	27	saudi	saudi	PROPN
easat-7864	246	28	arabia	arabia	PROPN
easat-7864	246	29	,	,	PUNCT
easat-7864	246	30	"	"	PUNCT
easat-7864	246	31	international	international	ADJ
easat-7864	246	32	journal	journal	NOUN
easat-7864	246	33	of	of	ADP
easat-7864	246	34	computer	computer	NOUN
easat-7864	246	35	science	science	PROPN
easat-7864	246	36	&	&	CCONJ
easat-7864	246	37	network	network	PROPN
easat-7864	246	38	security	security	PROPN
easat-7864	246	39	,	,	PUNCT
easat-7864	246	40	vol	vol	NOUN
easat-7864	246	41	.	.	PROPN
easat-7864	246	42	21	21	NUM
easat-7864	246	43	,	,	PUNCT
easat-7864	246	44	no	no	INTJ
easat-7864	246	45	.	.	NOUN
easat-7864	246	46	6	6	NUM
easat-7864	246	47	,	,	PUNCT
easat-7864	246	48	pp	pp	ADJ
easat-7864	246	49	.	.	PUNCT
easat-7864	246	50	222	222	NUM
easat-7864	246	51	-	-	SYM
easat-7864	246	52	230	230	NUM
easat-7864	246	53	,	,	PUNCT
easat-7864	246	54	2021	2021	NUM
easat-7864	246	55	.	.	PUNCT
easat-7864	246	56	https://doi.org/10.22937/ijcsns.2021.21.6.29	https://doi.org/10.22937/ijcsns.2021.21.6.29	NUM
easat-7864	246	57	[	[	X
easat-7864	246	58	8	8	NUM
easat-7864	246	59	]	]	PUNCT
easat-7864	246	60	a.	a.	NOUN
easat-7864	246	61	ramdhani	ramdhani	PROPN
easat-7864	246	62	,	,	PUNCT
easat-7864	246	63	s.	s.	PROPN
easat-7864	246	64	syafitri	syafitri	PROPN
easat-7864	246	65	,	,	PUNCT
easat-7864	246	66	d.	d.	PROPN
easat-7864	246	67	r.	r.	PROPN
easat-7864	246	68	amalia	amalia	PROPN
easat-7864	246	69	,	,	PUNCT
easat-7864	246	70	k.	k.	PROPN
easat-7864	246	71	lanfadilan	lanfadilan	PROPN
easat-7864	246	72	,	,	PUNCT
easat-7864	246	73	and	and	CCONJ
easat-7864	246	74	a.	a.	PROPN
easat-7864	246	75	p.	p.	PROPN
easat-7864	246	76	ahmad	ahmad	PROPN
easat-7864	246	77	,	,	PUNCT
easat-7864	246	78	"	"	PUNCT
easat-7864	246	79	the	the	DET
easat-7864	246	80	influence	influence	NOUN
easat-7864	246	81	of	of	ADP
easat-7864	246	82	perceived	perceive	VERB
easat-7864	246	83	ease	ease	NOUN
easat-7864	246	84	of	of	ADP
easat-7864	246	85	use	use	NOUN
easat-7864	246	86	and	and	CCONJ
easat-7864	246	87	perceived	perceive	VERB
easat-7864	246	88	usefulness	usefulness	NOUN
easat-7864	246	89	on	on	ADP
easat-7864	246	90	the	the	DET
easat-7864	246	91	decision	decision	NOUN
easat-7864	246	92	to	to	PART
easat-7864	246	93	use	use	VERB
easat-7864	246	94	of	of	ADP
easat-7864	246	95	qris	qris	NOUN
easat-7864	246	96	as	as	ADP
easat-7864	246	97	a	a	DET
easat-7864	246	98	digital	digital	ADJ
easat-7864	246	99	payment	payment	NOUN
easat-7864	246	100	in	in	ADP
easat-7864	246	101	generation	generation	NOUN
easat-7864	246	102	z	z	NOUN
easat-7864	246	103	in	in	ADP
easat-7864	246	104	the	the	DET
easat-7864	246	105	city	city	NOUN
easat-7864	246	106	of	of	ADP
easat-7864	246	107	bandung	bandung	PROPN
easat-7864	246	108	,	,	PUNCT
easat-7864	246	109	"	"	PUNCT
easat-7864	246	110	jurnal	jurnal	ADJ
easat-7864	246	111	bisnis	bisnis	PROPN
easat-7864	246	112	dan	dan	PROPN
easat-7864	246	113	ekonomi	ekonomi	PROPN
easat-7864	246	114	,	,	PUNCT
easat-7864	246	115	vol	vol	NOUN
easat-7864	246	116	.	.	PROPN
easat-7864	246	117	2	2	NUM
easat-7864	246	118	,	,	PUNCT
easat-7864	246	119	no	no	INTJ
easat-7864	246	120	.	.	NOUN
easat-7864	246	121	3	3	NUM
easat-7864	246	122	,	,	PUNCT
easat-7864	246	123	pp	pp	ADJ
easat-7864	246	124	.	.	PUNCT
easat-7864	246	125	371	371	NUM
easat-7864	246	126	-	-	SYM
easat-7864	246	127	389	389	NUM
easat-7864	246	128	,	,	PUNCT
easat-7864	246	129	2024	2024	NUM
easat-7864	246	130	.	.	PUNCT
easat-7864	247	1	[	[	X
easat-7864	247	2	9	9	NUM
easat-7864	247	3	]	]	X
easat-7864	247	4	g.	g.	PROPN
easat-7864	247	5	mortimer	mortimer	PROPN
easat-7864	247	6	,	,	PUNCT
easat-7864	247	7	s.	s.	PROPN
easat-7864	247	8	m.	m.	PROPN
easat-7864	247	9	fazal	fazal	PROPN
easat-7864	247	10	-	-	PUNCT
easat-7864	247	11	e	e	PROPN
easat-7864	247	12	-	-	PROPN
easat-7864	247	13	hasan	hasan	PROPN
easat-7864	247	14	,	,	PUNCT
easat-7864	247	15	m.	m.	NOUN
easat-7864	247	16	grimmer	grimmer	NOUN
easat-7864	247	17	,	,	PUNCT
easat-7864	247	18	and	and	CCONJ
easat-7864	247	19	l.	l.	PROPN
easat-7864	247	20	grimmer	grimmer	PROPN
easat-7864	247	21	,	,	PUNCT
easat-7864	247	22	"	"	PUNCT
easat-7864	247	23	explaining	explain	VERB
easat-7864	247	24	the	the	DET
easat-7864	247	25	impact	impact	NOUN
easat-7864	247	26	of	of	ADP
easat-7864	247	27	consumer	consumer	NOUN
easat-7864	247	28	religiosity	religiosity	NOUN
easat-7864	247	29	,	,	PUNCT
easat-7864	247	30	perceived	perceive	VERB
easat-7864	247	31	risk	risk	NOUN
easat-7864	247	32	and	and	CCONJ
easat-7864	247	33	moral	moral	ADJ
easat-7864	247	34	potency	potency	NOUN
easat-7864	247	35	on	on	ADP
easat-7864	247	36	purchase	purchase	NOUN
easat-7864	247	37	intentions	intention	NOUN
easat-7864	247	38	,	,	PUNCT
easat-7864	247	39	"	"	PUNCT
easat-7864	247	40	journal	journal	NOUN
easat-7864	247	41	of	of	ADP
easat-7864	247	42	retailing	retailing	NOUN
easat-7864	247	43	and	and	CCONJ
easat-7864	247	44	consumer	consumer	NOUN
easat-7864	247	45	services	service	NOUN
easat-7864	247	46	,	,	PUNCT
easat-7864	247	47	vol	vol	NOUN
easat-7864	247	48	.	.	PROPN
easat-7864	247	49	55	55	NUM
easat-7864	247	50	,	,	PUNCT
easat-7864	247	51	p.	p.	NOUN
easat-7864	247	52	102115	102115	NUM
easat-7864	247	53	,	,	PUNCT
easat-7864	247	54	2020	2020	NUM
easat-7864	247	55	.	.	PUNCT
easat-7864	248	1	https://doi.org/10.1016/j.jretconser.2020.102115	https://doi.org/10.1016/j.jretconser.2020.102115	PROPN
easat-7864	249	1	[	[	X
easat-7864	249	2	10	10	NUM
easat-7864	249	3	]	]	X
easat-7864	249	4	a.	a.	PROPN
easat-7864	249	5	f.	f.	PROPN
easat-7864	249	6	alyabes	alyabes	PROPN
easat-7864	249	7	and	and	CCONJ
easat-7864	249	8	o.	o.	PROPN
easat-7864	249	9	alsalloum	alsalloum	PROPN
easat-7864	249	10	,	,	PUNCT
easat-7864	249	11	"	"	PUNCT
easat-7864	249	12	factors	factor	NOUN
easat-7864	249	13	affecting	affect	VERB
easat-7864	249	14	consumers	consumer	NOUN
easat-7864	249	15	’	’	PART
easat-7864	249	16	perception	perception	NOUN
easat-7864	249	17	of	of	ADP
easat-7864	249	18	electronic	electronic	ADJ
easat-7864	249	19	payment	payment	NOUN
easat-7864	249	20	in	in	ADP
easat-7864	249	21	saudi	saudi	PROPN
easat-7864	249	22	arabia	arabia	PROPN
easat-7864	249	23	,	,	PUNCT
easat-7864	249	24	"	"	PUNCT
easat-7864	249	25	european	european	ADJ
easat-7864	249	26	journal	journal	PROPN
easat-7864	249	27	of	of	ADP
easat-7864	249	28	business	business	NOUN
easat-7864	249	29	and	and	CCONJ
easat-7864	249	30	management	management	NOUN
easat-7864	249	31	,	,	PUNCT
easat-7864	249	32	vol	vol	NOUN
easat-7864	249	33	.	.	PROPN
easat-7864	249	34	10	10	NUM
easat-7864	249	35	,	,	PUNCT
easat-7864	249	36	no	no	INTJ
easat-7864	249	37	.	.	NOUN
easat-7864	249	38	27	27	NUM
easat-7864	249	39	,	,	PUNCT
easat-7864	249	40	pp	pp	ADJ
easat-7864	249	41	.	.	PUNCT
easat-7864	250	1	36	36	NUM
easat-7864	250	2	-	-	SYM
easat-7864	250	3	45	45	NUM
easat-7864	250	4	,	,	PUNCT
easat-7864	250	5	2018	2018	NUM
easat-7864	250	6	.	.	PUNCT
easat-7864	251	1	[	[	X
easat-7864	251	2	11	11	NUM
easat-7864	251	3	]	]	X
easat-7864	251	4	d.	d.	PROPN
easat-7864	251	5	dharmawan	dharmawan	PROPN
easat-7864	251	6	,	,	PUNCT
easat-7864	251	7	h.	h.	PROPN
easat-7864	251	8	rusman	rusman	PROPN
easat-7864	251	9	,	,	PUNCT
easat-7864	251	10	u.	u.	PROPN
easat-7864	251	11	w.	w.	PROPN
easat-7864	251	12	nuryanto	nuryanto	PROPN
easat-7864	251	13	,	,	PUNCT
easat-7864	251	14	p.	p.	NOUN
easat-7864	251	15	a.	a.	NOUN
easat-7864	251	16	cakranegara	cakranegara	PROPN
easat-7864	251	17	,	,	PUNCT
easat-7864	251	18	and	and	CCONJ
easat-7864	251	19	m.	m.	NOUN
easat-7864	251	20	munizu	munizu	PROPN
easat-7864	251	21	,	,	PUNCT
easat-7864	251	22	"	"	PUNCT
easat-7864	251	23	analysis	analysis	NOUN
easat-7864	251	24	of	of	ADP
easat-7864	251	25	the	the	DET
easat-7864	251	26	influence	influence	NOUN
easat-7864	251	27	of	of	ADP
easat-7864	251	28	perceive	perceive	NOUN
easat-7864	251	29	of	of	ADP
easat-7864	251	30	benefit	benefit	NOUN
easat-7864	251	31	,	,	PUNCT
easat-7864	251	32	digital	digital	ADJ
easat-7864	251	33	security	security	NOUN
easat-7864	251	34	,	,	PUNCT
easat-7864	251	35	and	and	CCONJ
easat-7864	251	36	perceived	perceive	VERB
easat-7864	251	37	ease	ease	NOUN
easat-7864	251	38	of	of	ADP
easat-7864	251	39	use	use	NOUN
easat-7864	251	40	on	on	ADP
easat-7864	251	41	intention	intention	NOUN
easat-7864	251	42	to	to	PART
easat-7864	251	43	purchase	purchase	VERB
easat-7864	251	44	using	use	VERB
easat-7864	251	45	the	the	DET
easat-7864	251	46	digital	digital	ADJ
easat-7864	251	47	wallet	wallet	NOUN
easat-7864	251	48	application	application	NOUN
easat-7864	251	49	,	,	PUNCT
easat-7864	251	50	"	"	PUNCT
easat-7864	251	51	jurnal	jurnal	ADJ
easat-7864	251	52	informasi	informasi	PROPN
easat-7864	251	53	dan	dan	PROPN
easat-7864	251	54	teknologi	teknologi	PROPN
easat-7864	251	55	,	,	PUNCT
easat-7864	251	56	pp	pp	PROPN
easat-7864	251	57	.	.	PUNCT
easat-7864	252	1	12	12	NUM
easat-7864	252	2	-	-	SYM
easat-7864	252	3	17	17	NUM
easat-7864	252	4	,	,	PUNCT
easat-7864	252	5	2024	2024	NUM
easat-7864	252	6	.	.	PUNCT
easat-7864	253	1	https://doi.org/10.60083/jidt.v6i2.523	https://doi.org/10.60083/jidt.v6i2.523	NOUN
easat-7864	254	1	[	[	X
easat-7864	254	2	12	12	NUM
easat-7864	254	3	]	]	X
easat-7864	254	4	d.	d.	PROPN
easat-7864	254	5	chawla	chawla	PROPN
easat-7864	254	6	and	and	CCONJ
easat-7864	254	7	h.	h.	PROPN
easat-7864	254	8	joshi	joshi	PROPN
easat-7864	254	9	,	,	PUNCT
easat-7864	254	10	"	"	PUNCT
easat-7864	254	11	consumer	consumer	NOUN
easat-7864	254	12	attitude	attitude	NOUN
easat-7864	254	13	and	and	CCONJ
easat-7864	254	14	intention	intention	NOUN
easat-7864	254	15	to	to	PART
easat-7864	254	16	adopt	adopt	VERB
easat-7864	254	17	mobile	mobile	ADJ
easat-7864	254	18	wallet	wallet	NOUN
easat-7864	254	19	in	in	ADP
easat-7864	254	20	india	india	PROPN
easat-7864	254	21	–	–	PUNCT
easat-7864	254	22	an	an	DET
easat-7864	254	23	empirical	empirical	ADJ
easat-7864	254	24	study	study	NOUN
easat-7864	254	25	,	,	PUNCT
easat-7864	254	26	"	"	PUNCT
easat-7864	254	27	international	international	ADJ
easat-7864	254	28	journal	journal	NOUN
easat-7864	254	29	of	of	ADP
easat-7864	254	30	bank	bank	PROPN
easat-7864	254	31	marketing	marketing	NOUN
easat-7864	254	32	,	,	PUNCT
easat-7864	254	33	vol	vol	NOUN
easat-7864	254	34	.	.	PROPN
easat-7864	254	35	37	37	NUM
easat-7864	254	36	,	,	PUNCT
easat-7864	254	37	no	no	INTJ
easat-7864	254	38	.	.	NOUN
easat-7864	254	39	7	7	NUM
easat-7864	254	40	,	,	PUNCT
easat-7864	254	41	pp	pp	ADJ
easat-7864	254	42	.	.	PUNCT
easat-7864	255	1	1590	1590	NUM
easat-7864	255	2	-	-	SYM
easat-7864	255	3	1618	1618	NUM
easat-7864	255	4	,	,	PUNCT
easat-7864	255	5	2019	2019	NUM
easat-7864	255	6	.	.	PUNCT
easat-7864	255	7	https://doi.org/10.1108/ijbm-09-20180256	https://doi.org/10.1108/ijbm-09-20180256	PUNCT
easat-7864	256	1	[	[	X
easat-7864	256	2	13	13	NUM
easat-7864	256	3	]	]	PUNCT
easat-7864	256	4	c.	c.	NOUN
easat-7864	256	5	flavián	flavián	NOUN
easat-7864	256	6	and	and	CCONJ
easat-7864	256	7	m.	m.	NOUN
easat-7864	256	8	guinalíu	guinalíu	NOUN
easat-7864	256	9	,	,	PUNCT
easat-7864	256	10	"	"	PUNCT
easat-7864	256	11	consumer	consumer	NOUN
easat-7864	256	12	trust	trust	NOUN
easat-7864	256	13	,	,	PUNCT
easat-7864	256	14	perceived	perceive	VERB
easat-7864	256	15	security	security	NOUN
easat-7864	256	16	and	and	CCONJ
easat-7864	256	17	privacy	privacy	NOUN
easat-7864	256	18	policy	policy	NOUN
easat-7864	256	19	:	:	PUNCT
easat-7864	256	20	three	three	NUM
easat-7864	256	21	basic	basic	ADJ
easat-7864	256	22	elements	element	NOUN
easat-7864	256	23	of	of	ADP
easat-7864	256	24	loyalty	loyalty	NOUN
easat-7864	256	25	to	to	ADP
easat-7864	256	26	a	a	DET
easat-7864	256	27	web	web	NOUN
easat-7864	256	28	site	site	NOUN
easat-7864	256	29	,	,	PUNCT
easat-7864	256	30	"	"	PUNCT
easat-7864	256	31	industrial	industrial	ADJ
easat-7864	256	32	management	management	NOUN
easat-7864	256	33	&	&	CCONJ
easat-7864	256	34	data	datum	NOUN
easat-7864	256	35	systems	system	NOUN
easat-7864	256	36	,	,	PUNCT
easat-7864	256	37	vol	vol	NOUN
easat-7864	256	38	.	.	PROPN
easat-7864	256	39	106	106	NUM
easat-7864	256	40	,	,	PUNCT
easat-7864	256	41	no	no	INTJ
easat-7864	256	42	.	.	NOUN
easat-7864	256	43	5	5	NUM
easat-7864	256	44	,	,	PUNCT
easat-7864	256	45	pp	pp	ADJ
easat-7864	256	46	.	.	PUNCT
easat-7864	257	1	601	601	NUM
easat-7864	257	2	-	-	NUM
easat-7864	257	3	620	620	NUM
easat-7864	257	4	,	,	PUNCT
easat-7864	257	5	2006	2006	NUM
easat-7864	257	6	.	.	PUNCT
easat-7864	258	1	https://doi.org/10.1108/02635570610666403	https://doi.org/10.1108/02635570610666403	NOUN
easat-7864	259	1	[	[	X
easat-7864	259	2	14	14	NUM
easat-7864	259	3	]	]	PUNCT
easat-7864	259	4	t.	t.	PROPN
easat-7864	259	5	zhou	zhou	PROPN
easat-7864	259	6	,	,	PUNCT
easat-7864	259	7	"	"	PUNCT
easat-7864	259	8	an	an	DET
easat-7864	259	9	empirical	empirical	ADJ
easat-7864	259	10	examination	examination	NOUN
easat-7864	259	11	of	of	ADP
easat-7864	259	12	initial	initial	ADJ
easat-7864	259	13	trust	trust	NOUN
easat-7864	259	14	in	in	ADP
easat-7864	259	15	mobile	mobile	ADJ
easat-7864	259	16	banking	banking	NOUN
easat-7864	259	17	,	,	PUNCT
easat-7864	259	18	"	"	PUNCT
easat-7864	259	19	internet	internet	NOUN
easat-7864	259	20	research	research	NOUN
easat-7864	259	21	,	,	PUNCT
easat-7864	259	22	vol	vol	NOUN
easat-7864	259	23	.	.	PROPN
easat-7864	259	24	21	21	NUM
easat-7864	259	25	,	,	PUNCT
easat-7864	259	26	no	no	INTJ
easat-7864	259	27	.	.	NOUN
easat-7864	259	28	5	5	NUM
easat-7864	259	29	,	,	PUNCT
easat-7864	259	30	pp	pp	ADJ
easat-7864	259	31	.	.	PUNCT
easat-7864	260	1	527	527	NUM
easat-7864	260	2	-	-	SYM
easat-7864	260	3	540	540	NUM
easat-7864	260	4	,	,	PUNCT
easat-7864	260	5	2011	2011	NUM
easat-7864	260	6	.	.	PUNCT
easat-7864	261	1	https://doi.org/10.1108/10662241111176353	https://doi.org/10.1108/10662241111176353	X
easat-7864	262	1	[	[	X
easat-7864	262	2	15	15	NUM
easat-7864	262	3	]	]	X
easat-7864	262	4	w.	w.	PROPN
easat-7864	262	5	a.	a.	NOUN
easat-7864	262	6	alkhowaiter	alkhowaiter	NOUN
easat-7864	262	7	,	,	PUNCT
easat-7864	262	8	"	"	PUNCT
easat-7864	262	9	digital	digital	ADJ
easat-7864	262	10	payment	payment	NOUN
easat-7864	262	11	and	and	CCONJ
easat-7864	262	12	banking	banking	NOUN
easat-7864	262	13	adoption	adoption	NOUN
easat-7864	262	14	research	research	NOUN
easat-7864	262	15	in	in	ADP
easat-7864	262	16	gulf	gulf	PROPN
easat-7864	262	17	countries	country	NOUN
easat-7864	262	18	:	:	PUNCT
easat-7864	262	19	a	a	DET
easat-7864	262	20	systematic	systematic	ADJ
easat-7864	262	21	literature	literature	NOUN
easat-7864	262	22	review	review	NOUN
easat-7864	262	23	,	,	PUNCT
easat-7864	262	24	"	"	PUNCT
easat-7864	262	25	international	international	ADJ
easat-7864	262	26	journal	journal	NOUN
easat-7864	262	27	of	of	ADP
easat-7864	262	28	information	information	NOUN
easat-7864	262	29	management	management	NOUN
easat-7864	262	30	,	,	PUNCT
easat-7864	262	31	vol	vol	NOUN
easat-7864	262	32	.	.	PROPN
easat-7864	263	1	53	53	NUM
easat-7864	263	2	,	,	PUNCT
easat-7864	263	3	p.	p.	NOUN
easat-7864	263	4	102102	102102	NUM
easat-7864	263	5	,	,	PUNCT
easat-7864	263	6	2020	2020	NUM
easat-7864	263	7	.	.	PUNCT
easat-7864	264	1	https://doi.org/10.1016/j.ijinfomgt.2020.102102	https://doi.org/10.1016/j.ijinfomgt.2020.102102	PUNCT
easat-7864	265	1	[	[	X
easat-7864	265	2	16	16	NUM
easat-7864	265	3	]	]	PUNCT
easat-7864	265	4	k.	k.	PROPN
easat-7864	265	5	moorthy	moorthy	PROPN
easat-7864	265	6	et	et	PROPN
easat-7864	265	7	al	al	PROPN
easat-7864	265	8	.	.	PROPN
easat-7864	265	9	,	,	PUNCT
easat-7864	265	10	"	"	PUNCT
easat-7864	265	11	what	what	PRON
easat-7864	265	12	drives	drive	VERB
easat-7864	265	13	the	the	DET
easat-7864	265	14	adoption	adoption	NOUN
easat-7864	265	15	of	of	ADP
easat-7864	265	16	mobile	mobile	ADJ
easat-7864	265	17	payment	payment	NOUN
easat-7864	265	18	?	?	PUNCT
easat-7864	266	1	a	a	DET
easat-7864	266	2	malaysian	malaysian	ADJ
easat-7864	266	3	perspective	perspective	NOUN
easat-7864	266	4	,	,	PUNCT
easat-7864	266	5	"	"	PUNCT
easat-7864	266	6	international	international	ADJ
easat-7864	266	7	journal	journal	NOUN
easat-7864	266	8	of	of	ADP
easat-7864	266	9	finance	finance	PROPN
easat-7864	266	10	&	&	CCONJ
easat-7864	266	11	economics	economic	NOUN
easat-7864	266	12	,	,	PUNCT
easat-7864	266	13	vol	vol	NOUN
easat-7864	266	14	.	.	PROPN
easat-7864	266	15	25	25	NUM
easat-7864	266	16	,	,	PUNCT
easat-7864	266	17	no	no	INTJ
easat-7864	266	18	.	.	NOUN
easat-7864	266	19	3	3	NUM
easat-7864	266	20	,	,	PUNCT
easat-7864	266	21	pp	pp	ADJ
easat-7864	266	22	.	.	PUNCT
easat-7864	267	1	349	349	NUM
easat-7864	267	2	-	-	SYM
easat-7864	267	3	364	364	NUM
easat-7864	267	4	,	,	PUNCT
easat-7864	267	5	2020	2020	NUM
easat-7864	267	6	.	.	PUNCT
easat-7864	268	1	https://doi.org/10.1002/ijfe.1756	https://doi.org/10.1002/ijfe.1756	PRON
easat-7864	269	1	[	[	X
easat-7864	269	2	17	17	NUM
easat-7864	269	3	]	]	PUNCT
easat-7864	269	4	s.	s.	PROPN
easat-7864	269	5	islam	islam	PROPN
easat-7864	269	6	,	,	PUNCT
easat-7864	269	7	"	"	PUNCT
easat-7864	269	8	impact	impact	NOUN
easat-7864	269	9	of	of	ADP
easat-7864	269	10	online	online	ADJ
easat-7864	269	11	payment	payment	NOUN
easat-7864	269	12	systems	system	NOUN
easat-7864	269	13	on	on	ADP
easat-7864	269	14	customer	customer	NOUN
easat-7864	269	15	trust	trust	NOUN
easat-7864	269	16	and	and	CCONJ
easat-7864	269	17	loyalty	loyalty	NOUN
easat-7864	269	18	in	in	ADP
easat-7864	269	19	e	e	NOUN
easat-7864	269	20	-	-	NOUN
easat-7864	269	21	commerce	commerce	NOUN
easat-7864	269	22	analyzing	analyze	VERB
easat-7864	269	23	security	security	NOUN
easat-7864	269	24	and	and	CCONJ
easat-7864	269	25	convenience	convenience	NOUN
easat-7864	269	26	,	,	PUNCT
easat-7864	269	27	"	"	PUNCT
easat-7864	269	28	social	social	ADJ
easat-7864	269	29	science	science	NOUN
easat-7864	269	30	research	research	NOUN
easat-7864	269	31	network	network	NOUN
easat-7864	269	32	,	,	PUNCT
easat-7864	269	33	(	(	PUNCT
easat-7864	269	34	ssrn	ssrn	PROPN
easat-7864	269	35	scholarly	scholarly	ADJ
easat-7864	269	36	paper	paper	NOUN
easat-7864	269	37	no	no	NOUN
easat-7864	269	38	.	.	PROPN
easat-7864	269	39	5064838	5064838	NUM
easat-7864	269	40	)	)	PUNCT
easat-7864	269	41	,	,	PUNCT
easat-7864	269	42	2024	2024	NUM
easat-7864	269	43	.	.	PUNCT
easat-7864	270	1	[	[	X
easat-7864	270	2	18	18	NUM
easat-7864	270	3	]	]	X
easat-7864	270	4	h.	h.	PROPN
easat-7864	270	5	s.	s.	PROPN
easat-7864	270	6	akbar	akbar	PROPN
easat-7864	270	7	,	,	PUNCT
easat-7864	270	8	m.	m.	NOUN
easat-7864	270	9	ikhlash	ikhlash	PROPN
easat-7864	270	10	,	,	PUNCT
easat-7864	270	11	m.	m.	NOUN
easat-7864	270	12	i.	i.	PROPN
easat-7864	270	13	halim	halim	PROPN
easat-7864	270	14	,	,	PUNCT
easat-7864	270	15	and	and	CCONJ
easat-7864	270	16	a.	a.	NOUN
easat-7864	270	17	i.	i.	PROPN
easat-7864	270	18	p.	p.	PROPN
easat-7864	270	19	esmeralda	esmeralda	PROPN
easat-7864	270	20	,	,	PUNCT
easat-7864	270	21	"	"	PUNCT
easat-7864	270	22	e	e	NOUN
easat-7864	270	23	-	-	NOUN
easat-7864	270	24	payment	payment	NOUN
easat-7864	270	25	in	in	ADP
easat-7864	270	26	the	the	DET
easat-7864	270	27	eyes	eye	NOUN
easat-7864	270	28	of	of	ADP
easat-7864	270	29	students	student	NOUN
easat-7864	270	30	:	:	PUNCT
easat-7864	270	31	analyzing	analyze	VERB
easat-7864	270	32	the	the	DET
easat-7864	270	33	impact	impact	NOUN
easat-7864	270	34	of	of	ADP
easat-7864	270	35	trust	trust	NOUN
easat-7864	270	36	,	,	PUNCT
easat-7864	270	37	risk	risk	NOUN
easat-7864	270	38	,	,	PUNCT
easat-7864	270	39	benefits	benefit	NOUN
easat-7864	270	40	and	and	CCONJ
easat-7864	270	41	income	income	NOUN
easat-7864	270	42	,	,	PUNCT
easat-7864	270	43	"	"	PUNCT
easat-7864	270	44	social	social	ADJ
easat-7864	270	45	sciences	science	NOUN
easat-7864	270	46	insights	insight	NOUN
easat-7864	270	47	journal	journal	NOUN
easat-7864	270	48	,	,	PUNCT
easat-7864	270	49	vol	vol	NOUN
easat-7864	270	50	.	.	PROPN
easat-7864	270	51	1	1	NUM
easat-7864	270	52	,	,	PUNCT
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easat-7864	270	54	.	.	NOUN
easat-7864	270	55	3	3	NUM
easat-7864	270	56	,	,	PUNCT
easat-7864	270	57	pp	pp	ADJ
easat-7864	270	58	.	.	PUNCT
easat-7864	271	1	12	12	NUM
easat-7864	271	2	-	-	SYM
easat-7864	271	3	22	22	NUM
easat-7864	271	4	,	,	PUNCT
easat-7864	271	5	2023	2023	NUM
easat-7864	271	6	.	.	PUNCT
easat-7864	272	1	https://doi.org/10.60036/ssijvol1iss3art2	https://doi.org/10.60036/ssijvol1iss3art2	X
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easat-7864	273	2	19	19	NUM
easat-7864	273	3	]	]	PUNCT
easat-7864	273	4	m.-c	m.-c	NOUN
easat-7864	273	5	.	.	PUNCT
easat-7864	274	1	lee	lee	PROPN
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easat-7864	274	4	.	.	PUNCT
easat-7864	275	1	tsai	tsai	PROPN
easat-7864	275	2	,	,	PUNCT
easat-7864	275	3	and	and	CCONJ
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easat-7864	275	5	.	.	PUNCT
easat-7864	276	1	k.	k.	PROPN
easat-7864	276	2	jih	jih	PROPN
easat-7864	276	3	,	,	PUNCT
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easat-7864	276	9	risk	risk	NOUN
easat-7864	276	10	and	and	CCONJ
easat-7864	276	11	technology	technology	NOUN
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easat-7864	276	19	,	,	PUNCT
easat-7864	276	20	"	"	PUNCT
easat-7864	276	21	information	information	NOUN
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easat-7864	276	24	,	,	PUNCT
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easat-7864	276	26	.	.	PROPN
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easat-7864	276	28	,	,	PUNCT
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easat-7864	276	30	.	.	NOUN
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easat-7864	276	32	,	,	PUNCT
easat-7864	276	33	pp	pp	ADJ
easat-7864	276	34	.	.	PUNCT
easat-7864	277	1	502–508	502–508	NUM
easat-7864	277	2	,	,	PUNCT
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easat-7864	277	4	.	.	PUNCT
easat-7864	278	1	[	[	X
easat-7864	278	2	20	20	NUM
easat-7864	278	3	]	]	X
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easat-7864	278	8	j.	j.	PROPN
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easat-7864	278	10	,	,	PUNCT
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easat-7864	278	17	:	:	PUNCT
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easat-7864	278	26	and	and	CCONJ
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easat-7864	278	28	,	,	PUNCT
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easat-7864	278	38	,	,	PUNCT
easat-7864	278	39	pp	pp	ADJ
easat-7864	278	40	.	.	PUNCT
easat-7864	279	1	256	256	NUM
easat-7864	279	2	-	-	SYM
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easat-7864	279	4	,	,	PUNCT
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easat-7864	279	6	.	.	PUNCT
easat-7864	280	1	https://doi.org/10.1016/j.chb.2014.01.015	https://doi.org/10.1016/j.chb.2014.01.015	X
easat-7864	281	1	[	[	X
easat-7864	281	2	21	21	NUM
easat-7864	281	3	]	]	PUNCT
easat-7864	281	4	a.	a.	PROPN
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easat-7864	281	9	s.	s.	PROPN
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easat-7864	282	21	perspectives	perspective	NOUN
easat-7864	282	22	.	.	PUNCT
easat-7864	283	1	switzerland	switzerland	NOUN
easat-7864	283	2	:	:	PUNCT
easat-7864	283	3	springer	springer	NOUN
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easat-7864	283	5	publishing	publishing	NOUN
easat-7864	283	6	,	,	PUNCT
easat-7864	283	7	2021	2021	NUM
easat-7864	283	8	.	.	PUNCT
easat-7864	284	1	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-7864	285	1	https://doi.org/10.2307/249008	https://doi.org/10.2307/249008	PROPN
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easat-7864	285	20	and	and	CCONJ
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easat-7864	285	22	issn	issn	PROPN
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easat-7864	285	24	2576	2576	NUM
easat-7864	285	25	-	-	SYM
easat-7864	285	26	8484	8484	NUM
easat-7864	285	27	vol	vol	NOUN
easat-7864	285	28	.	.	PROPN
easat-7864	286	1	9	9	NUM
easat-7864	286	2	,	,	PUNCT
easat-7864	286	3	no	no	INTJ
easat-7864	286	4	.	.	NOUN
easat-7864	287	1	6	6	NUM
easat-7864	287	2	:	:	PUNCT
easat-7864	287	3	668	668	NUM
easat-7864	287	4	-	-	SYM
easat-7864	287	5	678	678	NUM
easat-7864	287	6	,	,	PUNCT
easat-7864	287	7	2025	2025	NUM
easat-7864	287	8	doi	doi	NOUN
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easat-7864	287	10	10.55214/25768484.v9i6.7864	10.55214/25768484.v9i6.7864	PROPN
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easat-7864	287	19	gate	gate	NOUN
easat-7864	288	1	[	[	X
easat-7864	288	2	22	22	NUM
easat-7864	288	3	]	]	PUNCT
easat-7864	288	4	j.	j.	PROPN
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easat-7864	288	7	g.	g.	PROPN
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easat-7864	288	9	,	,	PUNCT
easat-7864	288	10	m.	m.	NOUN
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easat-7864	288	12	,	,	PUNCT
easat-7864	288	13	and	and	CCONJ
easat-7864	288	14	j.	j.	PROPN
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easat-7864	288	16	,	,	PUNCT
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easat-7864	288	21	toward	toward	ADP
easat-7864	288	22	technology	technology	NOUN
easat-7864	288	23	:	:	PUNCT
easat-7864	288	24	exploring	explore	VERB
easat-7864	288	25	the	the	DET
easat-7864	288	26	relationship	relationship	NOUN
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easat-7864	288	28	affective	affective	NOUN
easat-7864	288	29	,	,	PUNCT
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easat-7864	288	31	and	and	CCONJ
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easat-7864	288	35	the	the	DET
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easat-7864	288	37	construct	construct	VERB
easat-7864	288	38	,	,	PUNCT
easat-7864	288	39	"	"	PUNCT
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easat-7864	288	41	journal	journal	NOUN
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easat-7864	288	43	technology	technology	NOUN
easat-7864	288	44	and	and	CCONJ
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easat-7864	288	46	education	education	NOUN
easat-7864	288	47	,	,	PUNCT
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easat-7864	288	51	,	,	PUNCT
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easat-7864	288	55	,	,	PUNCT
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easat-7864	288	59	-	-	SYM
easat-7864	288	60	1551	1551	NUM
easat-7864	288	61	,	,	PUNCT
easat-7864	288	62	2022	2022	NUM
easat-7864	288	63	.	.	PUNCT
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easat-7864	290	2	23	23	NUM
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easat-7864	290	14	m.	m.	PROPN
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easat-7864	290	16	-	-	PUNCT
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easat-7864	290	25	services	service	NOUN
easat-7864	290	26	using	use	VERB
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easat-7864	290	28	theory	theory	NOUN
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easat-7864	290	31	behavior	behavior	NOUN
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easat-7864	291	1	in	in	ADP
easat-7864	291	2	s.	s.	PROPN
easat-7864	291	3	g.	g.	PROPN
easat-7864	291	4	yaseen	yaseen	PROPN
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easat-7864	291	7	.	.	PUNCT
easat-7864	291	8	)	)	PUNCT
easat-7864	291	9	,	,	PUNCT
easat-7864	291	10	cutting	cut	VERB
easat-7864	291	11	-	-	PUNCT
easat-7864	291	12	edge	edge	NOUN
easat-7864	291	13	business	business	NOUN
easat-7864	291	14	technologies	technology	NOUN
easat-7864	291	15	in	in	ADP
easat-7864	291	16	the	the	DET
easat-7864	291	17	big	big	ADJ
easat-7864	291	18	data	data	PROPN
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easat-7864	292	4	springer	springer	NOUN
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easat-7864	292	6	2023	2023	NUM
easat-7864	292	7	.	.	PUNCT
easat-7864	293	1	[	[	X
easat-7864	293	2	24	24	NUM
easat-7864	293	3	]	]	X
easat-7864	293	4	h.	h.	PROPN
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easat-7864	293	13	and	and	CCONJ
easat-7864	293	14	a.	a.	NOUN
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easat-7864	293	25	intention	intention	NOUN
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easat-7864	293	39	development	development	NOUN
easat-7864	293	40	,	,	PUNCT
easat-7864	293	41	vol	vol	NOUN
easat-7864	293	42	.	.	PROPN
easat-7864	293	43	11	11	NUM
easat-7864	293	44	,	,	PUNCT
easat-7864	293	45	no	no	INTJ
easat-7864	293	46	.	.	NOUN
easat-7864	293	47	12	12	NUM
easat-7864	293	48	,	,	PUNCT
easat-7864	293	49	pp	pp	ADJ
easat-7864	293	50	.	.	PUNCT
easat-7864	294	1	e1951	e1951	NOUN
easat-7864	294	2	-	-	PUNCT
easat-7864	294	3	e1951	e1951	PROPN
easat-7864	294	4	,	,	PUNCT
easat-7864	294	5	2023	2023	NUM
easat-7864	294	6	.	.	PUNCT
easat-7864	295	1	https://doi.org/10.55908/sdgs.v11i12.1951	https://doi.org/10.55908/sdgs.v11i12.1951	NOUN
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easat-7864	296	2	25	25	NUM
easat-7864	296	3	]	]	PUNCT
easat-7864	296	4	m.	m.	NOUN
easat-7864	296	5	islam	islam	PROPN
easat-7864	296	6	,	,	PUNCT
easat-7864	296	7	a.	a.	PROPN
easat-7864	296	8	k.	k.	PROPN
easat-7864	296	9	tamanna	tamanna	PROPN
easat-7864	296	10	,	,	PUNCT
easat-7864	296	11	and	and	CCONJ
easat-7864	296	12	s.	s.	PROPN
easat-7864	296	13	islam	islam	PROPN
easat-7864	296	14	,	,	PUNCT
easat-7864	296	15	"	"	PUNCT
easat-7864	296	16	the	the	DET
easat-7864	296	17	path	path	NOUN
easat-7864	296	18	to	to	ADP
easat-7864	296	19	cashless	cashless	NOUN
easat-7864	296	20	transaction	transaction	NOUN
easat-7864	296	21	:	:	PUNCT
easat-7864	296	22	a	a	DET
easat-7864	296	23	study	study	NOUN
easat-7864	296	24	of	of	ADP
easat-7864	296	25	user	user	NOUN
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easat-7864	296	27	and	and	CCONJ
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easat-7864	296	29	towards	towards	ADP
easat-7864	296	30	quick	quick	ADJ
easat-7864	296	31	response	response	NOUN
easat-7864	296	32	mobile	mobile	ADJ
easat-7864	296	33	payments	payment	NOUN
easat-7864	296	34	,	,	PUNCT
easat-7864	296	35	"	"	PUNCT
easat-7864	296	36	heliyon	heliyon	NOUN
easat-7864	296	37	,	,	PUNCT
easat-7864	296	38	vol	vol	NOUN
easat-7864	296	39	.	.	PROPN
easat-7864	296	40	10	10	NUM
easat-7864	296	41	,	,	PUNCT
easat-7864	296	42	no	no	INTJ
easat-7864	296	43	.	.	NOUN
easat-7864	296	44	15	15	NUM
easat-7864	296	45	,	,	PUNCT
easat-7864	296	46	pp	pp	ADJ
easat-7864	296	47	.	.	PUNCT
easat-7864	297	1	1	1	NUM
easat-7864	297	2	-	-	SYM
easat-7864	297	3	19	19	NUM
easat-7864	297	4	,	,	PUNCT
easat-7864	297	5	2024	2024	NUM
easat-7864	297	6	.	.	PUNCT
easat-7864	298	1	https://doi.org/10.1016/j.heliyon.2024.e35302	https://doi.org/10.1016/j.heliyon.2024.e35302	PRON
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easat-7864	299	2	26	26	NUM
easat-7864	299	3	]	]	PUNCT
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easat-7864	299	6	,	,	PUNCT
easat-7864	299	7	s.	s.	PROPN
easat-7864	299	8	a.	a.	PROPN
easat-7864	299	9	suriazdin	suriazdin	PROPN
easat-7864	299	10	,	,	PUNCT
easat-7864	299	11	a.	a.	PROPN
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easat-7864	299	14	,	,	PUNCT
easat-7864	299	15	s.	s.	PROPN
easat-7864	299	16	setiawan	setiawan	PROPN
easat-7864	299	17	,	,	PUNCT
easat-7864	299	18	k.	k.	PROPN
easat-7864	299	19	phusavat	phusavat	PROPN
easat-7864	299	20	,	,	PUNCT
easat-7864	299	21	and	and	CCONJ
easat-7864	299	22	m.	m.	PROPN
easat-7864	299	23	maulida	maulida	PROPN
easat-7864	299	24	,	,	PUNCT
easat-7864	299	25	"	"	PUNCT
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easat-7864	299	28	switching	switch	VERB
easat-7864	299	29	intention	intention	NOUN
easat-7864	299	30	from	from	ADP
easat-7864	299	31	cash	cash	NOUN
easat-7864	299	32	on	on	ADP
easat-7864	299	33	delivery	delivery	NOUN
easat-7864	299	34	to	to	ADP
easat-7864	299	35	e	e	NOUN
easat-7864	299	36	-	-	NOUN
easat-7864	299	37	payment	payment	NOUN
easat-7864	299	38	services	service	NOUN
easat-7864	299	39	in	in	ADP
easat-7864	299	40	c2c	c2c	PROPN
easat-7864	299	41	e	e	PROPN
easat-7864	299	42	-	-	PROPN
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easat-7864	299	44	transactions	transaction	NOUN
easat-7864	299	45	:	:	PUNCT
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easat-7864	299	47	,	,	PUNCT
easat-7864	299	48	transaction	transaction	NOUN
easat-7864	299	49	,	,	PUNCT
easat-7864	299	50	and	and	CCONJ
easat-7864	299	51	technology	technology	NOUN
easat-7864	299	52	perspectives	perspective	NOUN
easat-7864	299	53	,	,	PUNCT
easat-7864	299	54	"	"	PUNCT
easat-7864	299	55	emerging	emerge	VERB
easat-7864	299	56	science	science	NOUN
easat-7864	299	57	journal	journal	NOUN
easat-7864	299	58	,	,	PUNCT
easat-7864	299	59	vol	vol	NOUN
easat-7864	299	60	.	.	PROPN
easat-7864	299	61	6	6	NUM
easat-7864	299	62	,	,	PUNCT
easat-7864	299	63	no	no	INTJ
easat-7864	299	64	.	.	NOUN
easat-7864	299	65	9	9	NUM
easat-7864	299	66	,	,	PUNCT
easat-7864	299	67	pp	pp	ADJ
easat-7864	299	68	.	.	PUNCT
easat-7864	300	1	136	136	NUM
easat-7864	300	2	-	-	SYM
easat-7864	300	3	150	150	NUM
easat-7864	300	4	,	,	PUNCT
easat-7864	300	5	2022	2022	NUM
easat-7864	300	6	.	.	PUNCT
easat-7864	301	1	https://doi.org/10.28991/esj-2022-sper-010	https://doi.org/10.28991/esj-2022-sper-010	PROPN
easat-7864	301	2	[	[	X
easat-7864	301	3	27	27	NUM
easat-7864	301	4	]	]	PUNCT
easat-7864	301	5	m.	m.	NOUN
easat-7864	301	6	a.	a.	PROPN
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easat-7864	301	8	,	,	PUNCT
easat-7864	301	9	r.	r.	PROPN
easat-7864	301	10	s.	s.	PROPN
easat-7864	301	11	alroobaea	alroobaea	PROPN
easat-7864	301	12	,	,	PUNCT
easat-7864	301	13	and	and	CCONJ
easat-7864	301	14	p.	p.	PROPN
easat-7864	301	15	j.	j.	PROPN
easat-7864	301	16	mayhew	mayhew	PROPN
easat-7864	301	17	,	,	PUNCT
easat-7864	301	18	"	"	PUNCT
easat-7864	301	19	building	build	VERB
easat-7864	301	20	a	a	DET
easat-7864	301	21	conceptual	conceptual	ADJ
easat-7864	301	22	framework	framework	NOUN
easat-7864	301	23	for	for	ADP
easat-7864	301	24	mobile	mobile	ADJ
easat-7864	301	25	transaction	transaction	NOUN
easat-7864	301	26	in	in	ADP
easat-7864	301	27	saudi	saudi	PROPN
easat-7864	301	28	arabia	arabia	PROPN
easat-7864	301	29	:	:	PUNCT
easat-7864	301	30	a	a	DET
easat-7864	301	31	user	user	NOUN
easat-7864	301	32	’s	’s	PART
easat-7864	301	33	perspective	perspective	NOUN
easat-7864	301	34	,	,	PUNCT
easat-7864	301	35	"	"	PUNCT
easat-7864	301	36	presented	present	VERB
easat-7864	301	37	at	at	ADP
easat-7864	301	38	the	the	DET
easat-7864	301	39	2014	2014	NUM
easat-7864	301	40	science	science	NOUN
easat-7864	301	41	and	and	CCONJ
easat-7864	301	42	information	information	NOUN
easat-7864	301	43	conference	conference	NOUN
easat-7864	301	44	,	,	PUNCT
easat-7864	301	45	2014	2014	NUM
easat-7864	301	46	.	.	PUNCT
easat-7864	302	1	[	[	X
easat-7864	302	2	28	28	NUM
easat-7864	302	3	]	]	X
easat-7864	302	4	s.	s.	PROPN
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easat-7864	302	7	b.	b.	PROPN
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easat-7864	302	10	and	and	CCONJ
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easat-7864	302	13	,	,	PUNCT
easat-7864	302	14	"	"	PUNCT
easat-7864	302	15	digital	digital	ADJ
easat-7864	302	16	payment	payment	NOUN
easat-7864	302	17	system	system	NOUN
easat-7864	302	18	innovations	innovation	NOUN
easat-7864	302	19	:	:	PUNCT
easat-7864	302	20	a	a	DET
easat-7864	302	21	marketing	marketing	NOUN
easat-7864	302	22	perspective	perspective	NOUN
easat-7864	302	23	on	on	ADP
easat-7864	302	24	intention	intention	NOUN
easat-7864	302	25	and	and	CCONJ
easat-7864	302	26	actual	actual	ADJ
easat-7864	302	27	use	use	NOUN
easat-7864	302	28	in	in	ADP
easat-7864	302	29	the	the	DET
easat-7864	302	30	retail	retail	ADJ
easat-7864	302	31	sector	sector	NOUN
easat-7864	302	32	,	,	PUNCT
easat-7864	302	33	"	"	PUNCT
easat-7864	302	34	innovative	innovative	ADJ
easat-7864	302	35	marketing	marketing	NOUN
easat-7864	302	36	,	,	PUNCT
easat-7864	302	37	vol	vol	NOUN
easat-7864	302	38	.	.	PROPN
easat-7864	302	39	17	17	NUM
easat-7864	302	40	,	,	PUNCT
easat-7864	302	41	no	no	INTJ
easat-7864	302	42	.	.	NOUN
easat-7864	302	43	3	3	NUM
easat-7864	302	44	,	,	PUNCT
easat-7864	302	45	pp	pp	ADJ
easat-7864	302	46	.	.	PUNCT
easat-7864	303	1	109–123	109–123	NUM
easat-7864	303	2	,	,	PUNCT
easat-7864	303	3	2021	2021	NUM
easat-7864	303	4	.	.	PUNCT
easat-7864	304	1	https://doi.org/10.21511/im.17(3).2021.09	https://doi.org/10.21511/im.17(3).2021.09	PROPN
easat-7864	304	2	[	[	X
easat-7864	304	3	29	29	NUM
easat-7864	304	4	]	]	X
easat-7864	304	5	r.	r.	PROPN
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easat-7864	304	7	,	,	PUNCT
easat-7864	304	8	n.	n.	PROPN
easat-7864	304	9	a.	a.	NOUN
easat-7864	304	10	rachmawati	rachmawati	PROPN
easat-7864	304	11	,	,	PUNCT
easat-7864	304	12	z.	z.	PROPN
easat-7864	304	13	azhar	azhar	PROPN
easat-7864	304	14	,	,	PUNCT
easat-7864	304	15	and	and	CCONJ
easat-7864	304	16	n.	n.	PROPN
easat-7864	304	17	h.	h.	PROPN
easat-7864	304	18	n.	n.	PROPN
easat-7864	304	19	azman	azman	PROPN
easat-7864	304	20	,	,	PUNCT
easat-7864	304	21	"	"	PUNCT
easat-7864	304	22	exploring	explore	VERB
easat-7864	304	23	intention	intention	NOUN
easat-7864	304	24	and	and	CCONJ
easat-7864	304	25	actual	actual	ADJ
easat-7864	304	26	use	use	NOUN
easat-7864	304	27	in	in	ADP
easat-7864	304	28	digital	digital	ADJ
easat-7864	304	29	payments	payment	NOUN
easat-7864	304	30	:	:	PUNCT
easat-7864	304	31	a	a	DET
easat-7864	304	32	systematic	systematic	ADJ
easat-7864	304	33	review	review	NOUN
easat-7864	304	34	and	and	CCONJ
easat-7864	304	35	roadmap	roadmap	NOUN
easat-7864	304	36	for	for	ADP
easat-7864	304	37	future	future	ADJ
easat-7864	304	38	research	research	NOUN
easat-7864	304	39	,	,	PUNCT
easat-7864	304	40	"	"	PUNCT
easat-7864	304	41	computers	computer	NOUN
easat-7864	304	42	in	in	ADP
easat-7864	304	43	human	human	ADJ
easat-7864	304	44	behavior	behavior	NOUN
easat-7864	304	45	reports	report	NOUN
easat-7864	304	46	,	,	PUNCT
easat-7864	304	47	vol	vol	NOUN
easat-7864	304	48	.	.	PROPN
easat-7864	304	49	13	13	NUM
easat-7864	304	50	,	,	PUNCT
easat-7864	304	51	p.	p.	NOUN
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easat-7864	304	53	,	,	PUNCT
easat-7864	304	54	2024	2024	NUM
easat-7864	304	55	.	.	PUNCT
easat-7864	305	1	https://doi.org/10.1016/j.chbr.2023.100348	https://doi.org/10.1016/j.chbr.2023.100348	PROPN
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easat-7864	305	6	https://doi.org/10.21511/im.17(3).2021.09	https://doi.org/10.21511/im.17(3).2021.09	PROPN
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