id	sid	tid	token	lemma	pos
easat-8097	1	1	edelweiss	edelweiss	PROPN
easat-8097	1	2	applied	apply	VERB
easat-8097	1	3	science	science	NOUN
easat-8097	1	4	and	and	CCONJ
easat-8097	1	5	technology	technology	NOUN
easat-8097	1	6	issn	issn	PROPN
easat-8097	1	7	:	:	PUNCT
easat-8097	1	8	2576	2576	NUM
easat-8097	1	9	-	-	SYM
easat-8097	1	10	8484	8484	NUM
easat-8097	1	11	vol	vol	NOUN
easat-8097	1	12	.	.	PROPN
easat-8097	2	1	9	9	NUM
easat-8097	2	2	,	,	PUNCT
easat-8097	2	3	no	no	INTJ
easat-8097	2	4	.	.	NOUN
easat-8097	2	5	6	6	NUM
easat-8097	2	6	,	,	PUNCT
easat-8097	2	7	1215	1215	NUM
easat-8097	2	8	-	-	SYM
easat-8097	2	9	1232	1232	NUM
easat-8097	2	10	2025	2025	NUM
easat-8097	2	11	publisher	publisher	NOUN
easat-8097	2	12	:	:	PUNCT
easat-8097	2	13	learning	learn	VERB
easat-8097	2	14	gate	gate	NOUN
easat-8097	2	15	doi	doi	PROPN
easat-8097	2	16	:	:	PUNCT
easat-8097	2	17	10.55214/25768484.v9i6.8097	10.55214/25768484.v9i6.8097	NUM
easat-8097	2	18	©	©	PROPN
easat-8097	2	19	2025	2025	NUM
easat-8097	2	20	by	by	ADP
easat-8097	2	21	the	the	DET
easat-8097	2	22	authors	author	NOUN
easat-8097	2	23	;	;	PUNCT
easat-8097	2	24	licensee	licensee	PROPN
easat-8097	2	25	learning	learning	NOUN
easat-8097	2	26	gate	gate	NOUN
easat-8097	3	1	©	©	PROPN
easat-8097	3	2	2025	2025	NUM
easat-8097	3	3	by	by	ADP
easat-8097	3	4	the	the	DET
easat-8097	3	5	authors	author	NOUN
easat-8097	3	6	;	;	PUNCT
easat-8097	3	7	licensee	licensee	PROPN
easat-8097	3	8	learning	learning	NOUN
easat-8097	3	9	gate	gate	NOUN
easat-8097	3	10	history	history	NOUN
easat-8097	3	11	:	:	PUNCT
easat-8097	3	12	received	receive	VERB
easat-8097	3	13	:	:	PUNCT
easat-8097	3	14	12	12	NUM
easat-8097	3	15	march	march	NOUN
easat-8097	3	16	2025	2025	NUM
easat-8097	3	17	;	;	PUNCT
easat-8097	3	18	revised	revise	VERB
easat-8097	3	19	:	:	PUNCT
easat-8097	3	20	12	12	NUM
easat-8097	3	21	may	may	PROPN
easat-8097	3	22	2025	2025	NUM
easat-8097	3	23	;	;	PUNCT
easat-8097	3	24	accepted	accept	VERB
easat-8097	3	25	:	:	PUNCT
easat-8097	3	26	15	15	NUM
easat-8097	3	27	may	may	PROPN
easat-8097	3	28	2025	2025	NUM
easat-8097	3	29	;	;	PUNCT
easat-8097	3	30	published	publish	VERB
easat-8097	3	31	:	:	PUNCT
easat-8097	3	32	16	16	NUM
easat-8097	3	33	june	june	PROPN
easat-8097	3	34	2025	2025	NUM
easat-8097	3	35	*	*	PUNCT
easat-8097	3	36	correspondence	correspondence	NOUN
easat-8097	3	37	:	:	PUNCT
easat-8097	3	38	nguyenthuyhuong@hvtc.edu.vn	nguyenthuyhuong@hvtc.edu.vn	NOUN
easat-8097	3	39	leveraging	leverage	VERB
easat-8097	3	40	tpb	tpb	NOUN
easat-8097	3	41	to	to	PART
easat-8097	3	42	enhance	enhance	VERB
easat-8097	3	43	credit	credit	NOUN
easat-8097	3	44	card	card	NOUN
easat-8097	3	45	usage	usage	NOUN
easat-8097	3	46	in	in	ADP
easat-8097	3	47	vietnam	vietnam	PROPN
easat-8097	3	48	:	:	PUNCT
easat-8097	3	49	implications	implication	NOUN
easat-8097	3	50	for	for	ADP
easat-8097	3	51	financial	financial	ADJ
easat-8097	3	52	literacy	literacy	NOUN
easat-8097	3	53	and	and	CCONJ
easat-8097	3	54	banking	banking	NOUN
easat-8097	3	55	innovation	innovation	NOUN
easat-8097	3	56	vinh	vinh	PROPN
easat-8097	3	57	suong	suong	PROPN
easat-8097	3	58	duong1	duong1	PROPN
easat-8097	3	59	,	,	PUNCT
easat-8097	3	60	thi	thi	VERB
easat-8097	3	61	thuy	thuy	PROPN
easat-8097	3	62	huong	huong	PROPN
easat-8097	4	1	nguyen2	nguyen2	PROPN
easat-8097	5	1	*	*	PUNCT
easat-8097	5	2	,	,	PUNCT
easat-8097	5	3	anh	anh	NOUN
easat-8097	5	4	phan3	phan3	NOUN
easat-8097	5	5	,	,	PUNCT
easat-8097	5	6	thi	thi	PROPN
easat-8097	5	7	thuy	thuy	PROPN
easat-8097	5	8	ngan	ngan	PROPN
easat-8097	5	9	nguyen4	nguyen4	PROPN
easat-8097	5	10	,	,	PUNCT
easat-8097	5	11	thi	thi	AUX
easat-8097	5	12	linh	linh	PROPN
easat-8097	5	13	dinh5	dinh5	PROPN
easat-8097	5	14	1faculty	1faculty	NUM
easat-8097	5	15	of	of	ADP
easat-8097	5	16	economics	economics	PROPN
easat-8097	5	17	business	business	PROPN
easat-8097	5	18	administration	administration	PROPN
easat-8097	5	19	,	,	PUNCT
easat-8097	5	20	thanh	thanh	PROPN
easat-8097	5	21	dong	dong	PROPN
easat-8097	5	22	university	university	PROPN
easat-8097	5	23	,	,	PUNCT
easat-8097	5	24	haiduong	haiduong	PROPN
easat-8097	5	25	,	,	PUNCT
easat-8097	5	26	vietnam	vietnam	PROPN
easat-8097	5	27	.	.	PUNCT
easat-8097	6	1	2faculty	2faculty	NUM
easat-8097	6	2	of	of	ADP
easat-8097	6	3	foreign	foreign	ADJ
easat-8097	6	4	languages	language	NOUN
easat-8097	6	5	,	,	PUNCT
easat-8097	6	6	vietnam	vietnam	PROPN
easat-8097	6	7	academy	academy	PROPN
easat-8097	6	8	of	of	ADP
easat-8097	6	9	finance	finance	PROPN
easat-8097	6	10	,	,	PUNCT
easat-8097	6	11	hanoi	hanoi	PROPN
easat-8097	6	12	,	,	PUNCT
easat-8097	6	13	vietnam	vietnam	PROPN
easat-8097	6	14	;	;	PUNCT
easat-8097	6	15	nguyenthuyhuong@hvtc.edu.vn	nguyenthuyhuong@hvtc.edu.vn	NOUN
easat-8097	6	16	(	(	PUNCT
easat-8097	6	17	t.t.h.n	t.t.h.n	PROPN
easat-8097	6	18	.	.	PROPN
easat-8097	6	19	)	)	PUNCT
easat-8097	6	20	.	.	PUNCT
easat-8097	7	1	3deputy	3deputy	NUM
easat-8097	7	2	director	director	NOUN
easat-8097	7	3	of	of	ADP
easat-8097	7	4	banking	banking	NOUN
easat-8097	7	5	research	research	PROPN
easat-8097	7	6	institute	institute	PROPN
easat-8097	7	7	,	,	PUNCT
easat-8097	7	8	banking	banking	NOUN
easat-8097	7	9	academy	academy	PROPN
easat-8097	7	10	of	of	ADP
easat-8097	7	11	vietnam	vietnam	PROPN
easat-8097	7	12	.	.	PUNCT
easat-8097	8	1	4,5banking	4,5banking	PROPN
easat-8097	8	2	academy	academy	PROPN
easat-8097	8	3	of	of	ADP
easat-8097	8	4	vietnam	vietnam	PROPN
easat-8097	8	5	,	,	PUNCT
easat-8097	8	6	hanoi	hanoi	PROPN
easat-8097	8	7	,	,	PUNCT
easat-8097	8	8	vietnam	vietnam	PROPN
easat-8097	8	9	.	.	PUNCT
easat-8097	9	1	abstract	abstract	ADJ
easat-8097	9	2	:	:	PUNCT
easat-8097	9	3	this	this	DET
easat-8097	9	4	study	study	NOUN
easat-8097	9	5	examines	examine	VERB
easat-8097	9	6	the	the	DET
easat-8097	9	7	factors	factor	NOUN
easat-8097	9	8	influencing	influence	VERB
easat-8097	9	9	individual	individual	ADJ
easat-8097	9	10	customers	customer	NOUN
easat-8097	9	11	’	’	PART
easat-8097	9	12	decisions	decision	NOUN
easat-8097	9	13	to	to	PART
easat-8097	9	14	use	use	VERB
easat-8097	9	15	credit	credit	NOUN
easat-8097	9	16	cards	card	NOUN
easat-8097	9	17	at	at	ADP
easat-8097	9	18	vietnamese	vietnamese	ADJ
easat-8097	9	19	commercial	commercial	ADJ
easat-8097	9	20	banks	bank	NOUN
easat-8097	9	21	,	,	PUNCT
easat-8097	9	22	applying	apply	VERB
easat-8097	9	23	an	an	DET
easat-8097	9	24	extended	extended	ADJ
easat-8097	9	25	theory	theory	NOUN
easat-8097	9	26	of	of	ADP
easat-8097	9	27	planned	plan	VERB
easat-8097	9	28	behavior	behavior	NOUN
easat-8097	9	29	framework	framework	NOUN
easat-8097	9	30	.	.	PUNCT
easat-8097	10	1	based	base	VERB
easat-8097	10	2	on	on	ADP
easat-8097	10	3	data	datum	NOUN
easat-8097	10	4	from	from	ADP
easat-8097	10	5	332	332	NUM
easat-8097	10	6	respondents	respondent	NOUN
easat-8097	10	7	,	,	PUNCT
easat-8097	10	8	the	the	DET
easat-8097	10	9	research	research	NOUN
easat-8097	10	10	empirically	empirically	ADV
easat-8097	10	11	validates	validate	VERB
easat-8097	10	12	six	six	NUM
easat-8097	10	13	key	key	ADJ
easat-8097	10	14	determinants	determinant	NOUN
easat-8097	10	15	:	:	PUNCT
easat-8097	10	16	attitude	attitude	NOUN
easat-8097	10	17	,	,	PUNCT
easat-8097	10	18	subjective	subjective	ADJ
easat-8097	10	19	norms	norm	NOUN
easat-8097	10	20	,	,	PUNCT
easat-8097	10	21	perceived	perceive	VERB
easat-8097	10	22	behavioral	behavioral	ADJ
easat-8097	10	23	control	control	NOUN
easat-8097	10	24	,	,	PUNCT
easat-8097	10	25	card	card	NOUN
easat-8097	10	26	usage	usage	NOUN
easat-8097	10	27	costs	cost	NOUN
easat-8097	10	28	,	,	PUNCT
easat-8097	10	29	card	card	NOUN
easat-8097	10	30	usage	usage	NOUN
easat-8097	10	31	convenience	convenience	NOUN
easat-8097	10	32	,	,	PUNCT
easat-8097	10	33	and	and	CCONJ
easat-8097	10	34	bank	bank	NOUN
easat-8097	10	35	responsiveness	responsiveness	NOUN
easat-8097	10	36	.	.	PUNCT
easat-8097	11	1	all	all	DET
easat-8097	11	2	factors	factor	NOUN
easat-8097	11	3	exhibit	exhibit	VERB
easat-8097	11	4	a	a	DET
easat-8097	11	5	positive	positive	ADJ
easat-8097	11	6	and	and	CCONJ
easat-8097	11	7	statistically	statistically	ADV
easat-8097	11	8	significant	significant	ADJ
easat-8097	11	9	effect	effect	NOUN
easat-8097	11	10	on	on	ADP
easat-8097	11	11	credit	credit	NOUN
easat-8097	11	12	card	card	NOUN
easat-8097	11	13	adoption	adoption	NOUN
easat-8097	11	14	,	,	PUNCT
easat-8097	11	15	with	with	ADP
easat-8097	11	16	perceived	perceive	VERB
easat-8097	11	17	behavioral	behavioral	ADJ
easat-8097	11	18	control	control	NOUN
easat-8097	11	19	emerging	emerge	VERB
easat-8097	11	20	as	as	ADP
easat-8097	11	21	the	the	DET
easat-8097	11	22	strongest	strong	ADJ
easat-8097	11	23	predictor	predictor	NOUN
easat-8097	11	24	.	.	PUNCT
easat-8097	12	1	the	the	DET
easat-8097	12	2	convenience	convenience	NOUN
easat-8097	12	3	of	of	ADP
easat-8097	12	4	card	card	NOUN
easat-8097	12	5	usage	usage	NOUN
easat-8097	12	6	and	and	CCONJ
easat-8097	12	7	responsiveness	responsiveness	NOUN
easat-8097	12	8	of	of	ADP
easat-8097	12	9	banking	banking	NOUN
easat-8097	12	10	services	service	NOUN
easat-8097	12	11	also	also	ADV
easat-8097	12	12	play	play	VERB
easat-8097	12	13	substantial	substantial	ADJ
easat-8097	12	14	roles	role	NOUN
easat-8097	12	15	,	,	PUNCT
easat-8097	12	16	highlighting	highlight	VERB
easat-8097	12	17	the	the	DET
easat-8097	12	18	importance	importance	NOUN
easat-8097	12	19	of	of	ADP
easat-8097	12	20	operational	operational	ADJ
easat-8097	12	21	efficiency	efficiency	NOUN
easat-8097	12	22	and	and	CCONJ
easat-8097	12	23	user	user	NOUN
easat-8097	12	24	experience	experience	NOUN
easat-8097	12	25	.	.	PUNCT
easat-8097	13	1	the	the	DET
easat-8097	13	2	findings	finding	NOUN
easat-8097	13	3	affirm	affirm	VERB
easat-8097	13	4	the	the	DET
easat-8097	13	5	robustness	robustness	NOUN
easat-8097	13	6	of	of	ADP
easat-8097	13	7	the	the	DET
easat-8097	13	8	original	original	ADJ
easat-8097	13	9	theory	theory	NOUN
easat-8097	13	10	while	while	SCONJ
easat-8097	13	11	emphasizing	emphasize	VERB
easat-8097	13	12	the	the	DET
easat-8097	13	13	value	value	NOUN
easat-8097	13	14	of	of	ADP
easat-8097	13	15	incorporating	incorporate	VERB
easat-8097	13	16	context	context	NOUN
easat-8097	13	17	-	-	PUNCT
easat-8097	13	18	specific	specific	ADJ
easat-8097	13	19	elements	element	NOUN
easat-8097	13	20	,	,	PUNCT
easat-8097	13	21	particularly	particularly	ADV
easat-8097	13	22	in	in	ADP
easat-8097	13	23	emerging	emerge	VERB
easat-8097	13	24	markets	market	NOUN
easat-8097	13	25	.	.	PUNCT
easat-8097	14	1	methodologically	methodologically	ADV
easat-8097	14	2	,	,	PUNCT
easat-8097	14	3	the	the	DET
easat-8097	14	4	study	study	NOUN
easat-8097	14	5	adopts	adopt	VERB
easat-8097	14	6	a	a	DET
easat-8097	14	7	quantitative	quantitative	ADJ
easat-8097	14	8	approach	approach	NOUN
easat-8097	14	9	using	use	VERB
easat-8097	14	10	structured	structured	ADJ
easat-8097	14	11	questionnaires	questionnaire	NOUN
easat-8097	14	12	and	and	CCONJ
easat-8097	14	13	regression	regression	VERB
easat-8097	14	14	analysis	analysis	NOUN
easat-8097	14	15	.	.	PUNCT
easat-8097	15	1	practical	practical	ADJ
easat-8097	15	2	implications	implication	NOUN
easat-8097	15	3	are	be	AUX
easat-8097	15	4	proposed	propose	VERB
easat-8097	15	5	for	for	ADP
easat-8097	15	6	both	both	CCONJ
easat-8097	15	7	commercial	commercial	ADJ
easat-8097	15	8	banks	bank	NOUN
easat-8097	15	9	and	and	CCONJ
easat-8097	15	10	policymakers	policymaker	NOUN
easat-8097	15	11	,	,	PUNCT
easat-8097	15	12	including	include	VERB
easat-8097	15	13	educational	educational	ADJ
easat-8097	15	14	programs	program	NOUN
easat-8097	15	15	,	,	PUNCT
easat-8097	15	16	digital	digital	ADJ
easat-8097	15	17	banking	banking	NOUN
easat-8097	15	18	enhancements	enhancement	NOUN
easat-8097	15	19	,	,	PUNCT
easat-8097	15	20	transparent	transparent	ADJ
easat-8097	15	21	pricing	pricing	NOUN
easat-8097	15	22	policies	policy	NOUN
easat-8097	15	23	,	,	PUNCT
easat-8097	15	24	and	and	CCONJ
easat-8097	15	25	nationwide	nationwide	ADJ
easat-8097	15	26	financial	financial	ADJ
easat-8097	15	27	literacy	literacy	NOUN
easat-8097	15	28	initiatives	initiative	NOUN
easat-8097	15	29	.	.	PUNCT
easat-8097	16	1	these	these	DET
easat-8097	16	2	measures	measure	NOUN
easat-8097	16	3	aim	aim	VERB
easat-8097	16	4	to	to	PART
easat-8097	16	5	foster	foster	VERB
easat-8097	16	6	greater	great	ADJ
easat-8097	16	7	consumer	consumer	NOUN
easat-8097	16	8	confidence	confidence	NOUN
easat-8097	16	9	and	and	CCONJ
easat-8097	16	10	encourage	encourage	VERB
easat-8097	16	11	wider	wide	ADJ
easat-8097	16	12	adoption	adoption	NOUN
easat-8097	16	13	of	of	ADP
easat-8097	16	14	cashless	cashless	NOUN
easat-8097	16	15	payment	payment	NOUN
easat-8097	16	16	solutions	solution	NOUN
easat-8097	16	17	.	.	PUNCT
easat-8097	17	1	the	the	DET
easat-8097	17	2	research	research	NOUN
easat-8097	17	3	offers	offer	VERB
easat-8097	17	4	theoretical	theoretical	ADJ
easat-8097	17	5	contributions	contribution	NOUN
easat-8097	17	6	and	and	CCONJ
easat-8097	17	7	lays	lay	VERB
easat-8097	17	8	the	the	DET
easat-8097	17	9	groundwork	groundwork	NOUN
easat-8097	17	10	for	for	ADP
easat-8097	17	11	future	future	ADJ
easat-8097	17	12	studies	study	NOUN
easat-8097	17	13	on	on	ADP
easat-8097	17	14	consumer	consumer	NOUN
easat-8097	17	15	finance	finance	NOUN
easat-8097	17	16	behavior	behavior	NOUN
easat-8097	17	17	in	in	ADP
easat-8097	17	18	developing	develop	VERB
easat-8097	17	19	economies	economy	NOUN
easat-8097	17	20	.	.	PUNCT
easat-8097	18	1	keywords	keyword	NOUN
easat-8097	18	2	:	:	PUNCT
easat-8097	18	3	commercial	commercial	ADJ
easat-8097	18	4	banks	bank	NOUN
easat-8097	18	5	,	,	PUNCT
easat-8097	18	6	consumer	consumer	NOUN
easat-8097	18	7	behavior	behavior	NOUN
easat-8097	18	8	,	,	PUNCT
easat-8097	18	9	credit	credit	NOUN
easat-8097	18	10	card	card	NOUN
easat-8097	18	11	usage	usage	NOUN
easat-8097	18	12	,	,	PUNCT
easat-8097	18	13	emerging	emerge	VERB
easat-8097	18	14	markets	market	NOUN
easat-8097	18	15	,	,	PUNCT
easat-8097	18	16	vietnam	vietnam	PROPN
easat-8097	18	17	.	.	PUNCT
easat-8097	19	1	1	1	X
easat-8097	19	2	.	.	X
easat-8097	19	3	introduction	introduction	NOUN
easat-8097	19	4	in	in	ADP
easat-8097	19	5	the	the	DET
easat-8097	19	6	context	context	NOUN
easat-8097	19	7	of	of	ADP
easat-8097	19	8	the	the	DET
easat-8097	19	9	fourth	fourth	ADJ
easat-8097	19	10	industrial	industrial	ADJ
easat-8097	19	11	revolution	revolution	NOUN
easat-8097	19	12	,	,	PUNCT
easat-8097	19	13	the	the	DET
easat-8097	19	14	transition	transition	NOUN
easat-8097	19	15	toward	toward	ADP
easat-8097	19	16	cashless	cashless	NOUN
easat-8097	19	17	payments	payment	NOUN
easat-8097	19	18	has	have	AUX
easat-8097	19	19	become	become	VERB
easat-8097	19	20	a	a	DET
easat-8097	19	21	global	global	ADJ
easat-8097	19	22	imperative	imperative	NOUN
easat-8097	19	23	,	,	PUNCT
easat-8097	19	24	actively	actively	ADV
easat-8097	19	25	promoted	promote	VERB
easat-8097	19	26	by	by	ADP
easat-8097	19	27	the	the	DET
easat-8097	19	28	state	state	PROPN
easat-8097	19	29	bank	bank	PROPN
easat-8097	19	30	of	of	ADP
easat-8097	19	31	vietnam	vietnam	PROPN
easat-8097	19	32	.	.	PUNCT
easat-8097	20	1	vietnamese	vietnamese	ADJ
easat-8097	20	2	commercial	commercial	ADJ
easat-8097	20	3	banks	bank	NOUN
easat-8097	20	4	are	be	AUX
easat-8097	20	5	spearheading	spearhead	VERB
easat-8097	20	6	this	this	DET
easat-8097	20	7	transformation	transformation	NOUN
easat-8097	20	8	by	by	ADP
easat-8097	20	9	expanding	expand	VERB
easat-8097	20	10	non	non	ADJ
easat-8097	20	11	-	-	ADJ
easat-8097	20	12	cash	cash	ADJ
easat-8097	20	13	payment	payment	NOUN
easat-8097	20	14	methods	method	NOUN
easat-8097	20	15	such	such	ADJ
easat-8097	20	16	as	as	ADP
easat-8097	20	17	credit	credit	NOUN
easat-8097	20	18	cards	card	NOUN
easat-8097	20	19	,	,	PUNCT
easat-8097	20	20	mobile	mobile	ADJ
easat-8097	20	21	banking	banking	NOUN
easat-8097	20	22	applications	application	NOUN
easat-8097	20	23	,	,	PUNCT
easat-8097	20	24	and	and	CCONJ
easat-8097	20	25	other	other	ADJ
easat-8097	20	26	digital	digital	ADJ
easat-8097	20	27	platforms	platform	NOUN
easat-8097	21	1	[	[	X
easat-8097	21	2	1	1	NUM
easat-8097	21	3	-	-	SYM
easat-8097	21	4	3	3	NUM
easat-8097	21	5	]	]	PUNCT
easat-8097	21	6	.	.	PUNCT
easat-8097	22	1	as	as	ADP
easat-8097	22	2	competition	competition	NOUN
easat-8097	22	3	within	within	ADP
easat-8097	22	4	the	the	DET
easat-8097	22	5	banking	banking	NOUN
easat-8097	22	6	sector	sector	NOUN
easat-8097	22	7	intensifies	intensifie	NOUN
easat-8097	22	8	,	,	PUNCT
easat-8097	22	9	these	these	DET
easat-8097	22	10	institutions	institution	NOUN
easat-8097	22	11	are	be	AUX
easat-8097	22	12	innovating	innovate	VERB
easat-8097	22	13	credit	credit	NOUN
easat-8097	22	14	card	card	NOUN
easat-8097	22	15	services	service	NOUN
easat-8097	22	16	to	to	PART
easat-8097	22	17	attract	attract	VERB
easat-8097	22	18	and	and	CCONJ
easat-8097	22	19	retain	retain	VERB
easat-8097	22	20	customers	customer	NOUN
easat-8097	22	21	.	.	PUNCT
easat-8097	23	1	beyond	beyond	ADP
easat-8097	23	2	technological	technological	ADJ
easat-8097	23	3	enhancements	enhancement	NOUN
easat-8097	23	4	and	and	CCONJ
easat-8097	23	5	user	user	NOUN
easat-8097	23	6	-	-	PUNCT
easat-8097	23	7	friendly	friendly	ADJ
easat-8097	23	8	interfaces	interface	NOUN
easat-8097	23	9	,	,	PUNCT
easat-8097	23	10	achieving	achieve	VERB
easat-8097	23	11	customer	customer	NOUN
easat-8097	23	12	satisfaction	satisfaction	NOUN
easat-8097	23	13	remains	remain	VERB
easat-8097	23	14	essential	essential	ADJ
easat-8097	23	15	to	to	ADP
easat-8097	23	16	fostering	foster	VERB
easat-8097	23	17	long	long	ADJ
easat-8097	23	18	-	-	PUNCT
easat-8097	23	19	term	term	NOUN
easat-8097	23	20	engagement	engagement	NOUN
easat-8097	23	21	with	with	ADP
easat-8097	23	22	credit	credit	NOUN
easat-8097	23	23	card	card	NOUN
easat-8097	23	24	products	product	NOUN
easat-8097	23	25	[	[	X
easat-8097	23	26	4	4	NUM
easat-8097	23	27	]	]	PUNCT
easat-8097	23	28	.	.	PUNCT
easat-8097	24	1	understanding	understanding	NOUN
easat-8097	24	2	and	and	CCONJ
easat-8097	24	3	quantifying	quantify	VERB
easat-8097	24	4	the	the	DET
easat-8097	24	5	key	key	ADJ
easat-8097	24	6	determinants	determinant	NOUN
easat-8097	24	7	of	of	ADP
easat-8097	24	8	customer	customer	NOUN
easat-8097	24	9	satisfaction	satisfaction	NOUN
easat-8097	24	10	are	be	AUX
easat-8097	24	11	crucial	crucial	ADJ
easat-8097	24	12	for	for	ADP
easat-8097	24	13	banks	bank	NOUN
easat-8097	24	14	aiming	aim	VERB
easat-8097	24	15	to	to	PART
easat-8097	24	16	strengthen	strengthen	VERB
easat-8097	24	17	their	their	PRON
easat-8097	24	18	position	position	NOUN
easat-8097	24	19	in	in	ADP
easat-8097	24	20	the	the	DET
easat-8097	24	21	increasingly	increasingly	ADV
easat-8097	24	22	competitive	competitive	ADJ
easat-8097	24	23	credit	credit	NOUN
easat-8097	24	24	card	card	NOUN
easat-8097	24	25	market	market	NOUN
easat-8097	24	26	[	[	X
easat-8097	24	27	5	5	NUM
easat-8097	24	28	]	]	PUNCT
easat-8097	24	29	.	.	PUNCT
easat-8097	25	1	despite	despite	SCONJ
easat-8097	25	2	the	the	DET
easat-8097	25	3	increasing	increase	VERB
easat-8097	25	4	availability	availability	NOUN
easat-8097	25	5	of	of	ADP
easat-8097	25	6	credit	credit	NOUN
easat-8097	25	7	card	card	NOUN
easat-8097	25	8	services	service	NOUN
easat-8097	25	9	,	,	PUNCT
easat-8097	25	10	adoption	adoption	NOUN
easat-8097	25	11	among	among	ADP
easat-8097	25	12	vietnamese	vietnamese	ADJ
easat-8097	25	13	consumers	consumer	NOUN
easat-8097	25	14	remains	remain	VERB
easat-8097	25	15	relatively	relatively	ADV
easat-8097	25	16	modest	modest	ADJ
easat-8097	25	17	[	[	X
easat-8097	25	18	6	6	NUM
easat-8097	25	19	]	]	PUNCT
easat-8097	25	20	.	.	PUNCT
easat-8097	26	1	positioned	position	VERB
easat-8097	26	2	predominantly	predominantly	ADV
easat-8097	26	3	in	in	ADP
easat-8097	26	4	urban	urban	ADJ
easat-8097	26	5	centers	center	NOUN
easat-8097	26	6	,	,	PUNCT
easat-8097	26	7	vietnamese	vietnamese	ADJ
easat-8097	26	8	commercial	commercial	ADJ
easat-8097	26	9	banks	bank	NOUN
easat-8097	26	10	have	have	VERB
easat-8097	26	11	direct	direct	ADJ
easat-8097	26	12	access	access	NOUN
easat-8097	26	13	to	to	ADP
easat-8097	26	14	diverse	diverse	ADJ
easat-8097	26	15	customer	customer	NOUN
easat-8097	26	16	groups	group	NOUN
easat-8097	26	17	—	—	PUNCT
easat-8097	26	18	particularly	particularly	ADV
easat-8097	26	19	office	office	NOUN
easat-8097	26	20	workers	worker	NOUN
easat-8097	26	21	,	,	PUNCT
easat-8097	26	22	young	young	ADJ
easat-8097	26	23	professionals	professional	NOUN
easat-8097	26	24	,	,	PUNCT
easat-8097	26	25	and	and	CCONJ
easat-8097	26	26	entrepreneurs	entrepreneur	NOUN
easat-8097	26	27	—	—	PUNCT
easat-8097	26	28	who	who	PRON
easat-8097	26	29	exhibit	exhibit	VERB
easat-8097	26	30	dynamic	dynamic	ADJ
easat-8097	26	31	spending	spending	NOUN
easat-8097	26	32	behaviors	behavior	NOUN
easat-8097	26	33	and	and	CCONJ
easat-8097	26	34	a	a	DET
easat-8097	26	35	growing	grow	VERB
easat-8097	26	36	demand	demand	NOUN
easat-8097	26	37	for	for	ADP
easat-8097	26	38	efficient	efficient	ADJ
easat-8097	26	39	financial	financial	ADJ
easat-8097	26	40	management	management	NOUN
easat-8097	26	41	tools	tool	NOUN
easat-8097	26	42	[	[	X
easat-8097	26	43	7	7	NUM
easat-8097	26	44	,	,	PUNCT
easat-8097	26	45	8	8	NUM
easat-8097	26	46	]	]	PUNCT
easat-8097	26	47	.	.	PUNCT
easat-8097	27	1	these	these	DET
easat-8097	27	2	groups	group	NOUN
easat-8097	27	3	represent	represent	VERB
easat-8097	27	4	a	a	DET
easat-8097	27	5	vital	vital	ADJ
easat-8097	27	6	yet	yet	ADV
easat-8097	27	7	underutilized	underutilized	ADJ
easat-8097	27	8	segment	segment	NOUN
easat-8097	27	9	for	for	ADP
easat-8097	27	10	credit	credit	NOUN
easat-8097	27	11	https://orcid.org/0009-0004-0776-2750	https://orcid.org/0009-0004-0776-2750	NOUN
easat-8097	27	12	https://orcid.org/0000-0002-9999-0133	https://orcid.org/0000-0002-9999-0133	PROPN
easat-8097	27	13	1216	1216	NUM
easat-8097	27	14	edelweiss	edelweiss	PROPN
easat-8097	27	15	applied	apply	VERB
easat-8097	27	16	science	science	NOUN
easat-8097	27	17	and	and	CCONJ
easat-8097	27	18	technology	technology	NOUN
easat-8097	27	19	issn	issn	PROPN
easat-8097	27	20	:	:	PUNCT
easat-8097	27	21	2576	2576	NUM
easat-8097	27	22	-	-	SYM
easat-8097	27	23	8484	8484	NUM
easat-8097	27	24	vol	vol	NOUN
easat-8097	27	25	.	.	PROPN
easat-8097	28	1	9	9	NUM
easat-8097	28	2	,	,	PUNCT
easat-8097	28	3	no	no	INTJ
easat-8097	28	4	.	.	NOUN
easat-8097	28	5	6	6	NUM
easat-8097	28	6	:	:	SYM
easat-8097	28	7	1215	1215	NUM
easat-8097	28	8	-	-	SYM
easat-8097	28	9	1232	1232	NUM
easat-8097	28	10	,	,	PUNCT
easat-8097	28	11	2025	2025	NUM
easat-8097	28	12	doi	doi	NOUN
easat-8097	28	13	:	:	PUNCT
easat-8097	28	14	10.55214/25768484.v9i6.8097	10.55214/25768484.v9i6.8097	NUM
easat-8097	28	15	©	©	PROPN
easat-8097	28	16	2025	2025	NUM
easat-8097	28	17	by	by	ADP
easat-8097	28	18	the	the	DET
easat-8097	28	19	authors	author	NOUN
easat-8097	28	20	;	;	PUNCT
easat-8097	28	21	licensee	licensee	PROPN
easat-8097	28	22	learning	learning	NOUN
easat-8097	28	23	gate	gate	NOUN
easat-8097	28	24	card	card	NOUN
easat-8097	28	25	expansion	expansion	NOUN
easat-8097	29	1	[	[	X
easat-8097	29	2	9	9	NUM
easat-8097	29	3	]	]	PUNCT
easat-8097	29	4	.	.	PUNCT
easat-8097	30	1	however	however	ADV
easat-8097	30	2	,	,	PUNCT
easat-8097	30	3	the	the	DET
easat-8097	30	4	persistently	persistently	ADV
easat-8097	30	5	low	low	ADJ
easat-8097	30	6	usage	usage	NOUN
easat-8097	30	7	rates	rate	NOUN
easat-8097	30	8	reflect	reflect	VERB
easat-8097	30	9	a	a	DET
easat-8097	30	10	limited	limited	ADJ
easat-8097	30	11	understanding	understanding	NOUN
easat-8097	30	12	of	of	ADP
easat-8097	30	13	what	what	PRON
easat-8097	30	14	drives	drive	VERB
easat-8097	30	15	customer	customer	NOUN
easat-8097	30	16	decisions	decision	NOUN
easat-8097	30	17	,	,	PUNCT
easat-8097	30	18	highlighting	highlight	VERB
easat-8097	30	19	the	the	DET
easat-8097	30	20	need	need	NOUN
easat-8097	30	21	for	for	ADP
easat-8097	30	22	targeted	target	VERB
easat-8097	30	23	empirical	empirical	ADJ
easat-8097	30	24	investigation	investigation	NOUN
easat-8097	30	25	.	.	PUNCT
easat-8097	31	1	individual	individual	ADJ
easat-8097	31	2	customers	customer	NOUN
easat-8097	31	3	constitute	constitute	VERB
easat-8097	31	4	a	a	DET
easat-8097	31	5	core	core	NOUN
easat-8097	31	6	segment	segment	NOUN
easat-8097	31	7	for	for	ADP
easat-8097	31	8	vietnamese	vietnamese	ADJ
easat-8097	31	9	commercial	commercial	ADJ
easat-8097	31	10	banks	bank	NOUN
easat-8097	31	11	in	in	ADP
easat-8097	31	12	the	the	DET
easat-8097	31	13	credit	credit	NOUN
easat-8097	31	14	card	card	NOUN
easat-8097	31	15	business	business	NOUN
easat-8097	31	16	.	.	PUNCT
easat-8097	32	1	unlike	unlike	ADP
easat-8097	32	2	corporate	corporate	ADJ
easat-8097	32	3	clients	client	NOUN
easat-8097	32	4	,	,	PUNCT
easat-8097	32	5	whose	whose	DET
easat-8097	32	6	usage	usage	NOUN
easat-8097	32	7	is	be	AUX
easat-8097	32	8	often	often	ADV
easat-8097	32	9	investment	investment	NOUN
easat-8097	32	10	-	-	PUNCT
easat-8097	32	11	oriented	orient	VERB
easat-8097	32	12	,	,	PUNCT
easat-8097	32	13	individual	individual	ADJ
easat-8097	32	14	customers	customer	NOUN
easat-8097	32	15	predominantly	predominantly	ADV
easat-8097	32	16	use	use	VERB
easat-8097	32	17	credit	credit	NOUN
easat-8097	32	18	cards	card	NOUN
easat-8097	32	19	for	for	ADP
easat-8097	32	20	everyday	everyday	ADJ
easat-8097	32	21	expenses	expense	NOUN
easat-8097	32	22	,	,	PUNCT
easat-8097	32	23	e	e	NOUN
easat-8097	32	24	-	-	NOUN
easat-8097	32	25	commerce	commerce	NOUN
easat-8097	32	26	transactions	transaction	NOUN
easat-8097	32	27	,	,	PUNCT
easat-8097	32	28	and	and	CCONJ
easat-8097	32	29	promotional	promotional	ADJ
easat-8097	32	30	rewards	reward	NOUN
easat-8097	32	31	[	[	X
easat-8097	32	32	10	10	NUM
easat-8097	32	33	]	]	PUNCT
easat-8097	32	34	.	.	PUNCT
easat-8097	33	1	this	this	DET
easat-8097	33	2	frequent	frequent	ADJ
easat-8097	33	3	usage	usage	NOUN
easat-8097	33	4	provides	provide	VERB
easat-8097	33	5	banks	bank	NOUN
easat-8097	33	6	with	with	ADP
easat-8097	33	7	stable	stable	ADJ
easat-8097	33	8	revenue	revenue	NOUN
easat-8097	33	9	through	through	ADP
easat-8097	33	10	transaction	transaction	NOUN
easat-8097	33	11	fees	fee	NOUN
easat-8097	33	12	,	,	PUNCT
easat-8097	33	13	interest	interest	NOUN
easat-8097	33	14	charges	charge	NOUN
easat-8097	33	15	,	,	PUNCT
easat-8097	33	16	and	and	CCONJ
easat-8097	33	17	related	related	ADJ
easat-8097	33	18	services	service	NOUN
easat-8097	33	19	,	,	PUNCT
easat-8097	33	20	contributing	contribute	VERB
easat-8097	33	21	significantly	significantly	ADV
easat-8097	33	22	to	to	ADP
easat-8097	33	23	long	long	ADJ
easat-8097	33	24	-	-	PUNCT
easat-8097	33	25	term	term	NOUN
easat-8097	33	26	financial	financial	ADJ
easat-8097	33	27	sustainability	sustainability	NOUN
easat-8097	33	28	[	[	X
easat-8097	33	29	11	11	NUM
easat-8097	33	30	]	]	PUNCT
easat-8097	33	31	.	.	PUNCT
easat-8097	34	1	nonetheless	nonetheless	ADV
easat-8097	34	2	,	,	PUNCT
easat-8097	34	3	variations	variation	NOUN
easat-8097	34	4	in	in	ADP
easat-8097	34	5	financial	financial	ADJ
easat-8097	34	6	literacy	literacy	NOUN
easat-8097	34	7	,	,	PUNCT
easat-8097	34	8	income	income	NOUN
easat-8097	34	9	levels	level	NOUN
easat-8097	34	10	,	,	PUNCT
easat-8097	34	11	and	and	CCONJ
easat-8097	34	12	behavioral	behavioral	ADJ
easat-8097	34	13	attitudes	attitude	NOUN
easat-8097	34	14	lead	lead	VERB
easat-8097	34	15	to	to	ADP
easat-8097	34	16	divergent	divergent	ADJ
easat-8097	34	17	usage	usage	NOUN
easat-8097	34	18	patterns	pattern	NOUN
easat-8097	34	19	among	among	ADP
easat-8097	34	20	these	these	DET
easat-8097	34	21	individuals	individual	NOUN
easat-8097	34	22	[	[	X
easat-8097	34	23	12	12	NUM
easat-8097	34	24	]	]	PUNCT
easat-8097	34	25	.	.	PUNCT
easat-8097	35	1	addressing	address	VERB
easat-8097	35	2	this	this	DET
easat-8097	35	3	heterogeneity	heterogeneity	NOUN
easat-8097	35	4	requires	require	VERB
easat-8097	35	5	a	a	DET
easat-8097	35	6	nuanced	nuanced	ADJ
easat-8097	35	7	understanding	understanding	NOUN
easat-8097	35	8	of	of	ADP
easat-8097	35	9	the	the	DET
easat-8097	35	10	behavioral	behavioral	ADJ
easat-8097	35	11	and	and	CCONJ
easat-8097	35	12	contextual	contextual	ADJ
easat-8097	35	13	factors	factor	NOUN
easat-8097	35	14	influencing	influence	VERB
easat-8097	35	15	credit	credit	NOUN
easat-8097	35	16	card	card	NOUN
easat-8097	35	17	usage	usage	NOUN
easat-8097	35	18	.	.	PUNCT
easat-8097	36	1	vietnam	vietnam	PROPN
easat-8097	36	2	’s	’s	PART
easat-8097	36	3	post	post	ADJ
easat-8097	36	4	-	-	ADJ
easat-8097	36	5	covid-19	covid-19	ADJ
easat-8097	36	6	economic	economic	ADJ
easat-8097	36	7	recovery	recovery	NOUN
easat-8097	36	8	has	have	AUX
easat-8097	36	9	further	far	ADV
easat-8097	36	10	accelerated	accelerate	VERB
easat-8097	36	11	the	the	DET
easat-8097	36	12	shift	shift	NOUN
easat-8097	36	13	toward	toward	ADP
easat-8097	36	14	digital	digital	ADJ
easat-8097	36	15	payments	payment	NOUN
easat-8097	36	16	,	,	PUNCT
easat-8097	36	17	rendering	render	VERB
easat-8097	36	18	insights	insight	NOUN
easat-8097	36	19	from	from	ADP
easat-8097	36	20	pre	pre	ADJ
easat-8097	36	21	-	-	ADJ
easat-8097	36	22	pandemic	pandemic	ADJ
easat-8097	36	23	studies	study	NOUN
easat-8097	36	24	less	less	ADV
easat-8097	36	25	relevant	relevant	ADJ
easat-8097	36	26	to	to	ADP
easat-8097	36	27	current	current	ADJ
easat-8097	36	28	realities	reality	NOUN
easat-8097	36	29	[	[	X
easat-8097	36	30	13	13	NUM
easat-8097	36	31	,	,	PUNCT
easat-8097	36	32	14	14	NUM
easat-8097	36	33	]	]	PUNCT
easat-8097	36	34	.	.	PUNCT
easat-8097	37	1	moreover	moreover	ADV
easat-8097	37	2	,	,	PUNCT
easat-8097	37	3	vietnamese	vietnamese	ADJ
easat-8097	37	4	customers	customer	NOUN
easat-8097	37	5	demonstrate	demonstrate	VERB
easat-8097	37	6	credit	credit	NOUN
easat-8097	37	7	card	card	NOUN
easat-8097	37	8	behaviors	behavior	NOUN
easat-8097	37	9	shaped	shape	VERB
easat-8097	37	10	by	by	ADP
easat-8097	37	11	distinctive	distinctive	ADJ
easat-8097	37	12	socio	socio	NOUN
easat-8097	37	13	-	-	PUNCT
easat-8097	37	14	cultural	cultural	ADJ
easat-8097	37	15	and	and	CCONJ
easat-8097	37	16	economic	economic	ADJ
easat-8097	37	17	contexts	context	NOUN
easat-8097	37	18	,	,	PUNCT
easat-8097	37	19	limiting	limit	VERB
easat-8097	37	20	the	the	DET
easat-8097	37	21	applicability	applicability	NOUN
easat-8097	37	22	of	of	ADP
easat-8097	37	23	findings	finding	NOUN
easat-8097	37	24	derived	derive	VERB
easat-8097	37	25	from	from	ADP
easat-8097	37	26	foreign	foreign	ADJ
easat-8097	37	27	markets	market	NOUN
easat-8097	37	28	[	[	X
easat-8097	37	29	15	15	NUM
easat-8097	37	30	]	]	PUNCT
easat-8097	37	31	.	.	PUNCT
easat-8097	38	1	while	while	SCONJ
easat-8097	38	2	several	several	ADJ
easat-8097	38	3	domestic	domestic	ADJ
easat-8097	38	4	studies	study	NOUN
easat-8097	38	5	have	have	AUX
easat-8097	38	6	touched	touch	VERB
easat-8097	38	7	on	on	ADP
easat-8097	38	8	credit	credit	NOUN
easat-8097	38	9	card	card	NOUN
easat-8097	38	10	usage	usage	NOUN
easat-8097	38	11	in	in	ADP
easat-8097	38	12	general	general	ADJ
easat-8097	38	13	,	,	PUNCT
easat-8097	38	14	few	few	ADJ
easat-8097	38	15	have	have	AUX
easat-8097	38	16	focused	focus	VERB
easat-8097	38	17	specifically	specifically	ADV
easat-8097	38	18	on	on	ADP
easat-8097	38	19	individual	individual	ADJ
easat-8097	38	20	consumers	consumer	NOUN
easat-8097	38	21	or	or	CCONJ
easat-8097	38	22	particular	particular	ADJ
easat-8097	38	23	institutional	institutional	ADJ
easat-8097	38	24	settings	setting	NOUN
easat-8097	38	25	,	,	PUNCT
easat-8097	38	26	resulting	result	VERB
easat-8097	38	27	in	in	ADP
easat-8097	38	28	a	a	DET
easat-8097	38	29	lack	lack	NOUN
easat-8097	38	30	of	of	ADP
easat-8097	38	31	localized	localized	ADJ
easat-8097	38	32	and	and	CCONJ
easat-8097	38	33	actionable	actionable	ADJ
easat-8097	38	34	insights	insight	NOUN
easat-8097	38	35	[	[	X
easat-8097	38	36	16	16	NUM
easat-8097	38	37	,	,	PUNCT
easat-8097	38	38	17	17	NUM
easat-8097	38	39	]	]	PUNCT
easat-8097	38	40	.	.	PUNCT
easat-8097	39	1	to	to	PART
easat-8097	39	2	address	address	VERB
easat-8097	39	3	these	these	DET
easat-8097	39	4	research	research	NOUN
easat-8097	39	5	gaps	gap	NOUN
easat-8097	39	6	,	,	PUNCT
easat-8097	39	7	this	this	DET
easat-8097	39	8	study	study	NOUN
easat-8097	39	9	investigates	investigate	VERB
easat-8097	39	10	the	the	DET
easat-8097	39	11	determinants	determinant	NOUN
easat-8097	39	12	of	of	ADP
easat-8097	39	13	credit	credit	NOUN
easat-8097	39	14	card	card	NOUN
easat-8097	39	15	usage	usage	NOUN
easat-8097	39	16	decisions	decision	NOUN
easat-8097	39	17	among	among	ADP
easat-8097	39	18	individual	individual	ADJ
easat-8097	39	19	customers	customer	NOUN
easat-8097	39	20	at	at	ADP
easat-8097	39	21	vietnamese	vietnamese	ADJ
easat-8097	39	22	commercial	commercial	ADJ
easat-8097	39	23	banks	bank	NOUN
easat-8097	39	24	,	,	PUNCT
easat-8097	39	25	with	with	ADP
easat-8097	39	26	data	datum	NOUN
easat-8097	39	27	reflecting	reflect	VERB
easat-8097	39	28	the	the	DET
easat-8097	39	29	most	most	ADV
easat-8097	39	30	recent	recent	ADJ
easat-8097	39	31	trends	trend	NOUN
easat-8097	39	32	as	as	ADP
easat-8097	39	33	of	of	ADP
easat-8097	39	34	march	march	PROPN
easat-8097	39	35	2025	2025	NUM
easat-8097	39	36	.	.	PUNCT
easat-8097	40	1	anchored	anchor	VERB
easat-8097	40	2	in	in	ADP
easat-8097	40	3	the	the	DET
easat-8097	40	4	theory	theory	NOUN
easat-8097	40	5	of	of	ADP
easat-8097	40	6	planned	plan	VERB
easat-8097	40	7	behavior	behavior	NOUN
easat-8097	40	8	[	[	X
easat-8097	40	9	18	18	NUM
easat-8097	40	10	]	]	PUNCT
easat-8097	40	11	and	and	CCONJ
easat-8097	40	12	extended	extend	VERB
easat-8097	40	13	with	with	ADP
easat-8097	40	14	context	context	NOUN
easat-8097	40	15	-	-	PUNCT
easat-8097	40	16	specific	specific	ADJ
easat-8097	40	17	variables	variable	NOUN
easat-8097	40	18	such	such	ADJ
easat-8097	40	19	as	as	ADP
easat-8097	40	20	card	card	NOUN
easat-8097	40	21	usage	usage	NOUN
easat-8097	40	22	cost	cost	NOUN
easat-8097	40	23	,	,	PUNCT
easat-8097	40	24	service	service	NOUN
easat-8097	40	25	convenience	convenience	NOUN
easat-8097	40	26	,	,	PUNCT
easat-8097	40	27	and	and	CCONJ
easat-8097	40	28	responsiveness	responsiveness	NOUN
easat-8097	40	29	of	of	ADP
easat-8097	40	30	the	the	DET
easat-8097	40	31	banking	banking	NOUN
easat-8097	40	32	system	system	NOUN
easat-8097	40	33	,	,	PUNCT
easat-8097	40	34	this	this	DET
easat-8097	40	35	research	research	NOUN
easat-8097	40	36	aims	aim	VERB
easat-8097	40	37	to	to	PART
easat-8097	40	38	identify	identify	VERB
easat-8097	40	39	both	both	CCONJ
easat-8097	40	40	behavioral	behavioral	ADJ
easat-8097	40	41	drivers	driver	NOUN
easat-8097	40	42	and	and	CCONJ
easat-8097	40	43	institutional	institutional	ADJ
easat-8097	40	44	enablers	enabler	NOUN
easat-8097	40	45	of	of	ADP
easat-8097	40	46	credit	credit	NOUN
easat-8097	40	47	card	card	NOUN
easat-8097	40	48	adoption	adoption	NOUN
easat-8097	40	49	.	.	PUNCT
easat-8097	41	1	the	the	DET
easat-8097	41	2	findings	finding	NOUN
easat-8097	41	3	are	be	AUX
easat-8097	41	4	expected	expect	VERB
easat-8097	41	5	to	to	PART
easat-8097	41	6	inform	inform	VERB
easat-8097	41	7	the	the	DET
easat-8097	41	8	development	development	NOUN
easat-8097	41	9	of	of	ADP
easat-8097	41	10	targeted	target	VERB
easat-8097	41	11	strategies	strategy	NOUN
easat-8097	41	12	that	that	PRON
easat-8097	41	13	enhance	enhance	VERB
easat-8097	41	14	customer	customer	NOUN
easat-8097	41	15	engagement	engagement	NOUN
easat-8097	41	16	,	,	PUNCT
easat-8097	41	17	increase	increase	VERB
easat-8097	41	18	credit	credit	NOUN
easat-8097	41	19	card	card	NOUN
easat-8097	41	20	penetration	penetration	NOUN
easat-8097	41	21	,	,	PUNCT
easat-8097	41	22	and	and	CCONJ
easat-8097	41	23	strengthen	strengthen	VERB
easat-8097	41	24	the	the	DET
easat-8097	41	25	service	service	NOUN
easat-8097	41	26	quality	quality	NOUN
easat-8097	41	27	of	of	ADP
easat-8097	41	28	banks	bank	NOUN
easat-8097	41	29	operating	operate	VERB
easat-8097	41	30	within	within	ADP
easat-8097	41	31	vietnam	vietnam	PROPN
easat-8097	41	32	’s	’s	PART
easat-8097	41	33	fast	fast	ADV
easat-8097	41	34	-	-	PUNCT
easat-8097	41	35	evolving	evolve	VERB
easat-8097	41	36	cashless	cashless	NOUN
easat-8097	41	37	payment	payment	NOUN
easat-8097	41	38	ecosystem	ecosystem	NOUN
easat-8097	41	39	.	.	PUNCT
easat-8097	42	1	2	2	X
easat-8097	42	2	.	.	X
easat-8097	42	3	literature	literature	NOUN
easat-8097	42	4	review	review	VERB
easat-8097	42	5	2.1	2.1	NUM
easat-8097	42	6	.	.	PUNCT
easat-8097	43	1	concept	concept	NOUN
easat-8097	43	2	of	of	ADP
easat-8097	43	3	behavioral	behavioral	ADJ
easat-8097	43	4	intention	intention	NOUN
easat-8097	43	5	consumer	consumer	NOUN
easat-8097	43	6	behavior	behavior	NOUN
easat-8097	43	7	has	have	AUX
easat-8097	43	8	long	long	ADV
easat-8097	43	9	been	be	AUX
easat-8097	43	10	a	a	DET
easat-8097	43	11	central	central	ADJ
easat-8097	43	12	concept	concept	NOUN
easat-8097	43	13	in	in	ADP
easat-8097	43	14	marketing	marketing	NOUN
easat-8097	43	15	research	research	NOUN
easat-8097	43	16	.	.	PUNCT
easat-8097	44	1	kotler	kotler	PROPN
easat-8097	44	2	,	,	PUNCT
easat-8097	44	3	et	et	PROPN
easat-8097	44	4	al	al	PROPN
easat-8097	44	5	.	.	PUNCT
easat-8097	45	1	[	[	X
easat-8097	45	2	19	19	NUM
easat-8097	45	3	]	]	PUNCT
easat-8097	45	4	define	define	VERB
easat-8097	45	5	consumer	consumer	NOUN
easat-8097	45	6	behavior	behavior	NOUN
easat-8097	45	7	as	as	ADP
easat-8097	45	8	the	the	DET
easat-8097	45	9	totality	totality	NOUN
easat-8097	45	10	of	of	ADP
easat-8097	45	11	actions	action	NOUN
easat-8097	45	12	that	that	PRON
easat-8097	45	13	occur	occur	VERB
easat-8097	45	14	throughout	throughout	ADP
easat-8097	45	15	the	the	DET
easat-8097	45	16	process	process	NOUN
easat-8097	45	17	from	from	ADP
easat-8097	45	18	recognizing	recognize	VERB
easat-8097	45	19	a	a	DET
easat-8097	45	20	need	need	NOUN
easat-8097	45	21	to	to	ADP
easat-8097	45	22	the	the	DET
easat-8097	45	23	post	post	ADJ
easat-8097	45	24	-	-	ADJ
easat-8097	45	25	purchase	purchase	ADJ
easat-8097	45	26	evaluation	evaluation	NOUN
easat-8097	45	27	of	of	ADP
easat-8097	45	28	a	a	DET
easat-8097	45	29	product	product	NOUN
easat-8097	45	30	.	.	PUNCT
easat-8097	46	1	similarly	similarly	ADV
easat-8097	46	2	,	,	PUNCT
easat-8097	46	3	engel	engel	PROPN
easat-8097	46	4	,	,	PUNCT
easat-8097	46	5	et	et	PROPN
easat-8097	46	6	al	al	PROPN
easat-8097	46	7	.	.	PUNCT
easat-8097	47	1	[	[	X
easat-8097	47	2	20	20	NUM
easat-8097	47	3	]	]	PUNCT
easat-8097	47	4	describe	describe	VERB
easat-8097	47	5	consumer	consumer	NOUN
easat-8097	47	6	behavior	behavior	NOUN
easat-8097	47	7	as	as	ADP
easat-8097	47	8	the	the	DET
easat-8097	47	9	activities	activity	NOUN
easat-8097	47	10	directly	directly	ADV
easat-8097	47	11	involved	involve	VERB
easat-8097	47	12	in	in	ADP
easat-8097	47	13	obtaining	obtain	VERB
easat-8097	47	14	,	,	PUNCT
easat-8097	47	15	consuming	consume	VERB
easat-8097	47	16	,	,	PUNCT
easat-8097	47	17	and	and	CCONJ
easat-8097	47	18	disposing	dispose	VERB
easat-8097	47	19	of	of	ADP
easat-8097	47	20	goods	good	NOUN
easat-8097	47	21	and	and	CCONJ
easat-8097	47	22	services	service	NOUN
easat-8097	47	23	,	,	PUNCT
easat-8097	47	24	encompassing	encompass	VERB
easat-8097	47	25	both	both	DET
easat-8097	47	26	pre	pre	NOUN
easat-8097	47	27	-	-	NOUN
easat-8097	47	28	purchase	purchase	NOUN
easat-8097	47	29	and	and	CCONJ
easat-8097	47	30	post	post	ADJ
easat-8097	47	31	-	-	ADJ
easat-8097	47	32	purchase	purchase	ADJ
easat-8097	47	33	decision	decision	NOUN
easat-8097	47	34	-	-	PUNCT
easat-8097	47	35	making	make	VERB
easat-8097	47	36	processes	process	NOUN
easat-8097	47	37	.	.	PUNCT
easat-8097	48	1	synthesizing	synthesize	VERB
easat-8097	48	2	these	these	DET
easat-8097	48	3	perspectives	perspective	NOUN
easat-8097	48	4	,	,	PUNCT
easat-8097	48	5	consumer	consumer	NOUN
easat-8097	48	6	behavior	behavior	NOUN
easat-8097	48	7	can	can	AUX
easat-8097	48	8	be	be	AUX
easat-8097	48	9	understood	understand	VERB
easat-8097	48	10	as	as	ADP
easat-8097	48	11	a	a	DET
easat-8097	48	12	series	series	NOUN
easat-8097	48	13	of	of	ADP
easat-8097	48	14	actions	action	NOUN
easat-8097	48	15	influenced	influence	VERB
easat-8097	48	16	by	by	ADP
easat-8097	48	17	both	both	DET
easat-8097	48	18	internal	internal	ADJ
easat-8097	48	19	psychological	psychological	ADJ
easat-8097	48	20	mechanisms	mechanism	NOUN
easat-8097	48	21	and	and	CCONJ
easat-8097	48	22	external	external	ADJ
easat-8097	48	23	environmental	environmental	ADJ
easat-8097	48	24	stimuli	stimulus	NOUN
easat-8097	48	25	,	,	PUNCT
easat-8097	48	26	initiated	initiate	VERB
easat-8097	48	27	when	when	SCONJ
easat-8097	48	28	a	a	DET
easat-8097	48	29	consumer	consumer	NOUN
easat-8097	48	30	identifies	identify	VERB
easat-8097	48	31	a	a	DET
easat-8097	48	32	need	need	NOUN
easat-8097	48	33	and	and	CCONJ
easat-8097	48	34	culminating	culminate	VERB
easat-8097	48	35	in	in	ADP
easat-8097	48	36	the	the	DET
easat-8097	48	37	disposal	disposal	NOUN
easat-8097	48	38	of	of	ADP
easat-8097	48	39	a	a	DET
easat-8097	48	40	product	product	NOUN
easat-8097	48	41	.	.	PUNCT
easat-8097	49	1	behavioral	behavioral	ADJ
easat-8097	49	2	intention	intention	NOUN
easat-8097	49	3	,	,	PUNCT
easat-8097	49	4	in	in	ADP
easat-8097	49	5	this	this	DET
easat-8097	49	6	context	context	NOUN
easat-8097	49	7	,	,	PUNCT
easat-8097	49	8	refers	refer	VERB
easat-8097	49	9	to	to	ADP
easat-8097	49	10	an	an	DET
easat-8097	49	11	individual	individual	NOUN
easat-8097	49	12	’s	’s	PART
easat-8097	49	13	expressed	express	VERB
easat-8097	49	14	readiness	readiness	NOUN
easat-8097	49	15	to	to	PART
easat-8097	49	16	perform	perform	VERB
easat-8097	49	17	a	a	DET
easat-8097	49	18	particular	particular	ADJ
easat-8097	49	19	behavior	behavior	NOUN
easat-8097	49	20	in	in	ADP
easat-8097	49	21	the	the	DET
easat-8097	49	22	future	future	NOUN
easat-8097	49	23	.	.	PUNCT
easat-8097	50	1	it	it	PRON
easat-8097	50	2	serves	serve	VERB
easat-8097	50	3	as	as	ADP
easat-8097	50	4	a	a	DET
easat-8097	50	5	proximal	proximal	ADJ
easat-8097	50	6	predictor	predictor	NOUN
easat-8097	50	7	of	of	ADP
easat-8097	50	8	actual	actual	ADJ
easat-8097	50	9	behavior	behavior	NOUN
easat-8097	50	10	and	and	CCONJ
easat-8097	50	11	is	be	AUX
easat-8097	50	12	influenced	influence	VERB
easat-8097	50	13	by	by	ADP
easat-8097	50	14	multiple	multiple	ADJ
easat-8097	50	15	cognitive	cognitive	ADJ
easat-8097	50	16	and	and	CCONJ
easat-8097	50	17	normative	normative	ADJ
easat-8097	50	18	factors	factor	NOUN
easat-8097	50	19	.	.	PUNCT
easat-8097	51	1	according	accord	VERB
easat-8097	51	2	to	to	ADP
easat-8097	51	3	warshaw	warshaw	NOUN
easat-8097	51	4	and	and	CCONJ
easat-8097	51	5	davis	davis	PROPN
easat-8097	51	6	[	[	X
easat-8097	51	7	21	21	NUM
easat-8097	51	8	]	]	X
easat-8097	51	9	behavioral	behavioral	ADJ
easat-8097	51	10	intention	intention	NOUN
easat-8097	51	11	is	be	AUX
easat-8097	51	12	shaped	shape	VERB
easat-8097	51	13	by	by	ADP
easat-8097	51	14	three	three	NUM
easat-8097	51	15	core	core	NOUN
easat-8097	51	16	constructs	construct	NOUN
easat-8097	51	17	:	:	PUNCT
easat-8097	51	18	(	(	PUNCT
easat-8097	51	19	i	i	NOUN
easat-8097	51	20	)	)	PUNCT
easat-8097	51	21	attitude	attitude	NOUN
easat-8097	51	22	toward	toward	ADP
easat-8097	51	23	the	the	DET
easat-8097	51	24	behavior	behavior	NOUN
easat-8097	51	25	–	–	PUNCT
easat-8097	51	26	reflecting	reflect	VERB
easat-8097	51	27	an	an	DET
easat-8097	51	28	individual	individual	NOUN
easat-8097	51	29	’s	’s	PART
easat-8097	51	30	overall	overall	ADJ
easat-8097	51	31	evaluation	evaluation	NOUN
easat-8097	51	32	of	of	ADP
easat-8097	51	33	the	the	DET
easat-8097	51	34	behavior	behavior	NOUN
easat-8097	51	35	;	;	PUNCT
easat-8097	51	36	(	(	PUNCT
easat-8097	51	37	ii	ii	NOUN
easat-8097	51	38	)	)	PUNCT
easat-8097	51	39	subjective	subjective	ADJ
easat-8097	51	40	norms	norm	NOUN
easat-8097	51	41	–	–	PUNCT
easat-8097	51	42	derived	derive	VERB
easat-8097	51	43	from	from	ADP
easat-8097	51	44	perceived	perceive	VERB
easat-8097	51	45	social	social	ADJ
easat-8097	51	46	pressure	pressure	NOUN
easat-8097	51	47	exerted	exert	VERB
easat-8097	51	48	by	by	ADP
easat-8097	51	49	significant	significant	ADJ
easat-8097	51	50	others	other	NOUN
easat-8097	51	51	such	such	ADJ
easat-8097	51	52	as	as	ADP
easat-8097	51	53	family	family	NOUN
easat-8097	51	54	,	,	PUNCT
easat-8097	51	55	friends	friend	NOUN
easat-8097	51	56	,	,	PUNCT
easat-8097	51	57	or	or	CCONJ
easat-8097	51	58	colleagues	colleague	NOUN
easat-8097	51	59	;	;	PUNCT
easat-8097	51	60	and	and	CCONJ
easat-8097	51	61	(	(	PUNCT
easat-8097	51	62	iii	iii	NOUN
easat-8097	51	63	)	)	PUNCT
easat-8097	51	64	perceived	perceive	VERB
easat-8097	51	65	behavioral	behavioral	ADJ
easat-8097	51	66	control	control	NOUN
easat-8097	51	67	–	–	PUNCT
easat-8097	51	68	representing	represent	VERB
easat-8097	51	69	the	the	DET
easat-8097	51	70	individual	individual	NOUN
easat-8097	51	71	’s	’s	PART
easat-8097	51	72	assessment	assessment	NOUN
easat-8097	51	73	of	of	ADP
easat-8097	51	74	their	their	PRON
easat-8097	51	75	ability	ability	NOUN
easat-8097	51	76	to	to	PART
easat-8097	51	77	perform	perform	VERB
easat-8097	51	78	the	the	DET
easat-8097	51	79	behavior	behavior	NOUN
easat-8097	51	80	.	.	PUNCT
easat-8097	52	1	these	these	DET
easat-8097	52	2	constructs	construct	NOUN
easat-8097	52	3	align	align	VERB
easat-8097	52	4	with	with	ADP
easat-8097	52	5	the	the	DET
easat-8097	52	6	frameworks	framework	NOUN
easat-8097	52	7	proposed	propose	VERB
easat-8097	52	8	in	in	ADP
easat-8097	52	9	the	the	DET
easat-8097	52	10	theory	theory	NOUN
easat-8097	52	11	of	of	ADP
easat-8097	52	12	reasoned	reason	VERB
easat-8097	52	13	action	action	NOUN
easat-8097	52	14	(	(	PUNCT
easat-8097	52	15	tra	tra	NOUN
easat-8097	52	16	)	)	PUNCT
easat-8097	52	17	and	and	CCONJ
easat-8097	52	18	the	the	DET
easat-8097	52	19	theory	theory	NOUN
easat-8097	52	20	of	of	ADP
easat-8097	52	21	planned	plan	VERB
easat-8097	52	22	behavior	behavior	NOUN
easat-8097	52	23	(	(	PUNCT
easat-8097	52	24	tpb	tpb	NOUN
easat-8097	52	25	)	)	PUNCT
easat-8097	52	26	,	,	PUNCT
easat-8097	52	27	which	which	PRON
easat-8097	52	28	together	together	ADV
easat-8097	52	29	offer	offer	VERB
easat-8097	52	30	comprehensive	comprehensive	ADJ
easat-8097	52	31	insights	insight	NOUN
easat-8097	52	32	into	into	ADP
easat-8097	52	33	the	the	DET
easat-8097	52	34	formation	formation	NOUN
easat-8097	52	35	of	of	ADP
easat-8097	52	36	behavioral	behavioral	ADJ
easat-8097	52	37	intentions	intention	NOUN
easat-8097	52	38	[	[	X
easat-8097	52	39	22	22	NUM
easat-8097	52	40	]	]	PUNCT
easat-8097	52	41	.	.	PUNCT
easat-8097	53	1	nonetheless	nonetheless	ADV
easat-8097	53	2	,	,	PUNCT
easat-8097	53	3	a	a	DET
easat-8097	53	4	limitation	limitation	NOUN
easat-8097	53	5	of	of	ADP
easat-8097	53	6	these	these	DET
easat-8097	53	7	theories	theory	NOUN
easat-8097	53	8	lies	lie	VERB
easat-8097	53	9	in	in	ADP
easat-8097	53	10	their	their	PRON
easat-8097	53	11	assumption	assumption	NOUN
easat-8097	53	12	of	of	ADP
easat-8097	53	13	volitional	volitional	ADJ
easat-8097	53	14	control	control	NOUN
easat-8097	53	15	,	,	PUNCT
easat-8097	53	16	which	which	PRON
easat-8097	53	17	may	may	AUX
easat-8097	53	18	not	not	PART
easat-8097	53	19	fully	fully	ADV
easat-8097	53	20	account	account	VERB
easat-8097	53	21	for	for	ADP
easat-8097	53	22	external	external	ADJ
easat-8097	53	23	constraints	constraint	NOUN
easat-8097	53	24	affecting	affect	VERB
easat-8097	53	25	actual	actual	ADJ
easat-8097	53	26	behavior	behavior	NOUN
easat-8097	53	27	.	.	PUNCT
easat-8097	54	1	1217	1217	NUM
easat-8097	54	2	edelweiss	edelweiss	PROPN
easat-8097	54	3	applied	apply	VERB
easat-8097	54	4	science	science	NOUN
easat-8097	54	5	and	and	CCONJ
easat-8097	54	6	technology	technology	NOUN
easat-8097	54	7	issn	issn	PROPN
easat-8097	54	8	:	:	PUNCT
easat-8097	54	9	2576	2576	NUM
easat-8097	54	10	-	-	SYM
easat-8097	54	11	8484	8484	NUM
easat-8097	54	12	vol	vol	NOUN
easat-8097	54	13	.	.	PROPN
easat-8097	55	1	9	9	NUM
easat-8097	55	2	,	,	PUNCT
easat-8097	55	3	no	no	INTJ
easat-8097	55	4	.	.	NOUN
easat-8097	55	5	6	6	NUM
easat-8097	55	6	:	:	SYM
easat-8097	55	7	1215	1215	NUM
easat-8097	55	8	-	-	SYM
easat-8097	55	9	1232	1232	NUM
easat-8097	55	10	,	,	PUNCT
easat-8097	55	11	2025	2025	NUM
easat-8097	55	12	doi	doi	NOUN
easat-8097	55	13	:	:	PUNCT
easat-8097	55	14	10.55214/25768484.v9i6.8097	10.55214/25768484.v9i6.8097	NUM
easat-8097	55	15	©	©	PROPN
easat-8097	55	16	2025	2025	NUM
easat-8097	55	17	by	by	ADP
easat-8097	55	18	the	the	DET
easat-8097	55	19	authors	author	NOUN
easat-8097	55	20	;	;	PUNCT
easat-8097	55	21	licensee	licensee	PROPN
easat-8097	55	22	learning	learning	NOUN
easat-8097	55	23	gate	gate	NOUN
easat-8097	55	24	2.2	2.2	NUM
easat-8097	55	25	.	.	PUNCT
easat-8097	56	1	factors	factor	NOUN
easat-8097	56	2	affecting	affect	VERB
easat-8097	56	3	consumer	consumer	NOUN
easat-8097	56	4	behavior	behavior	NOUN
easat-8097	56	5	according	accord	VERB
easat-8097	56	6	to	to	ADP
easat-8097	56	7	the	the	DET
easat-8097	56	8	american	american	PROPN
easat-8097	56	9	marketing	marketing	PROPN
easat-8097	56	10	association	association	PROPN
easat-8097	56	11	,	,	PUNCT
easat-8097	56	12	consumer	consumer	NOUN
easat-8097	56	13	behavior	behavior	NOUN
easat-8097	56	14	encompasses	encompass	VERB
easat-8097	56	15	the	the	DET
easat-8097	56	16	thoughts	thought	NOUN
easat-8097	56	17	,	,	PUNCT
easat-8097	56	18	emotions	emotion	NOUN
easat-8097	56	19	,	,	PUNCT
easat-8097	56	20	and	and	CCONJ
easat-8097	56	21	actions	action	NOUN
easat-8097	56	22	that	that	PRON
easat-8097	56	23	individuals	individual	NOUN
easat-8097	56	24	exhibit	exhibit	VERB
easat-8097	56	25	throughout	throughout	ADP
easat-8097	56	26	the	the	DET
easat-8097	56	27	consumption	consumption	NOUN
easat-8097	56	28	process	process	NOUN
easat-8097	56	29	.	.	PUNCT
easat-8097	57	1	these	these	PRON
easat-8097	57	2	are	be	AUX
easat-8097	57	3	influenced	influence	VERB
easat-8097	57	4	by	by	ADP
easat-8097	57	5	various	various	ADJ
easat-8097	57	6	stimuli	stimulus	NOUN
easat-8097	57	7	such	such	ADJ
easat-8097	57	8	as	as	ADP
easat-8097	57	9	peer	peer	NOUN
easat-8097	57	10	opinions	opinion	NOUN
easat-8097	57	11	,	,	PUNCT
easat-8097	57	12	advertising	advertising	NOUN
easat-8097	57	13	,	,	PUNCT
easat-8097	57	14	product	product	NOUN
easat-8097	57	15	pricing	pricing	NOUN
easat-8097	57	16	,	,	PUNCT
easat-8097	57	17	packaging	packaging	NOUN
easat-8097	57	18	,	,	PUNCT
easat-8097	57	19	and	and	CCONJ
easat-8097	57	20	design	design	NOUN
easat-8097	57	21	.	.	PUNCT
easat-8097	58	1	cultural	cultural	ADJ
easat-8097	58	2	,	,	PUNCT
easat-8097	58	3	social	social	ADJ
easat-8097	58	4	,	,	PUNCT
easat-8097	58	5	personal	personal	ADJ
easat-8097	58	6	,	,	PUNCT
easat-8097	58	7	and	and	CCONJ
easat-8097	58	8	psychological	psychological	ADJ
easat-8097	58	9	factors	factor	NOUN
easat-8097	58	10	play	play	VERB
easat-8097	58	11	a	a	DET
easat-8097	58	12	critical	critical	ADJ
easat-8097	58	13	role	role	NOUN
easat-8097	58	14	in	in	ADP
easat-8097	58	15	shaping	shape	VERB
easat-8097	58	16	purchasing	purchasing	NOUN
easat-8097	58	17	behavior	behavior	NOUN
easat-8097	58	18	.	.	PUNCT
easat-8097	59	1	hung	hung	PROPN
easat-8097	59	2	,	,	PUNCT
easat-8097	59	3	et	et	PROPN
easat-8097	59	4	al	al	PROPN
easat-8097	59	5	.	.	PUNCT
easat-8097	60	1	[	[	X
easat-8097	60	2	23	23	NUM
easat-8097	60	3	]	]	PUNCT
easat-8097	60	4	offer	offer	VERB
easat-8097	60	5	a	a	DET
easat-8097	60	6	nuanced	nuanced	ADJ
easat-8097	60	7	categorization	categorization	NOUN
easat-8097	60	8	of	of	ADP
easat-8097	60	9	the	the	DET
easat-8097	60	10	determinants	determinant	NOUN
easat-8097	60	11	of	of	ADP
easat-8097	60	12	consumer	consumer	NOUN
easat-8097	60	13	behavior	behavior	NOUN
easat-8097	60	14	.	.	PUNCT
easat-8097	61	1	first	first	ADV
easat-8097	61	2	,	,	PUNCT
easat-8097	61	3	cultural	cultural	ADJ
easat-8097	61	4	factors	factor	NOUN
easat-8097	61	5	,	,	PUNCT
easat-8097	61	6	including	include	VERB
easat-8097	61	7	both	both	CCONJ
easat-8097	61	8	general	general	ADJ
easat-8097	61	9	culture	culture	NOUN
easat-8097	61	10	and	and	CCONJ
easat-8097	61	11	subcultures	subculture	NOUN
easat-8097	61	12	(	(	PUNCT
easat-8097	61	13	ethnic	ethnic	ADJ
easat-8097	61	14	,	,	PUNCT
easat-8097	61	15	religious	religious	ADJ
easat-8097	61	16	,	,	PUNCT
easat-8097	61	17	regional	regional	ADJ
easat-8097	61	18	)	)	PUNCT
easat-8097	61	19	,	,	PUNCT
easat-8097	61	20	significantly	significantly	ADV
easat-8097	61	21	shape	shape	VERB
easat-8097	61	22	consumption	consumption	NOUN
easat-8097	61	23	preferences	preference	NOUN
easat-8097	61	24	and	and	CCONJ
easat-8097	61	25	habits	habit	NOUN
easat-8097	61	26	.	.	PUNCT
easat-8097	62	1	social	social	ADJ
easat-8097	62	2	class	class	NOUN
easat-8097	62	3	also	also	ADV
easat-8097	62	4	contributes	contribute	VERB
easat-8097	62	5	to	to	ADP
easat-8097	62	6	behavioral	behavioral	ADJ
easat-8097	62	7	segmentation	segmentation	NOUN
easat-8097	62	8	,	,	PUNCT
easat-8097	62	9	influencing	influence	VERB
easat-8097	62	10	attitudes	attitude	NOUN
easat-8097	62	11	and	and	CCONJ
easat-8097	62	12	choices	choice	NOUN
easat-8097	62	13	based	base	VERB
easat-8097	62	14	on	on	ADP
easat-8097	62	15	income	income	NOUN
easat-8097	62	16	,	,	PUNCT
easat-8097	62	17	education	education	NOUN
easat-8097	62	18	,	,	PUNCT
easat-8097	62	19	and	and	CCONJ
easat-8097	62	20	occupation	occupation	NOUN
easat-8097	62	21	.	.	PUNCT
easat-8097	63	1	second	second	ADJ
easat-8097	63	2	,	,	PUNCT
easat-8097	63	3	social	social	ADJ
easat-8097	63	4	factors	factor	NOUN
easat-8097	63	5	–	–	PUNCT
easat-8097	63	6	including	include	VERB
easat-8097	63	7	family	family	NOUN
easat-8097	63	8	roles	role	NOUN
easat-8097	63	9	,	,	PUNCT
easat-8097	63	10	reference	reference	NOUN
easat-8097	63	11	groups	group	NOUN
easat-8097	63	12	,	,	PUNCT
easat-8097	63	13	and	and	CCONJ
easat-8097	63	14	social	social	ADJ
easat-8097	63	15	status	status	NOUN
easat-8097	63	16	–	–	PUNCT
easat-8097	63	17	impact	impact	NOUN
easat-8097	63	18	consumer	consumer	NOUN
easat-8097	63	19	decisions	decision	NOUN
easat-8097	63	20	,	,	PUNCT
easat-8097	63	21	particularly	particularly	ADV
easat-8097	63	22	in	in	ADP
easat-8097	63	23	collective	collective	ADJ
easat-8097	63	24	environments	environment	NOUN
easat-8097	63	25	where	where	SCONJ
easat-8097	63	26	purchase	purchase	NOUN
easat-8097	63	27	decisions	decision	NOUN
easat-8097	63	28	are	be	AUX
easat-8097	63	29	often	often	ADV
easat-8097	63	30	made	make	VERB
easat-8097	63	31	jointly	jointly	ADV
easat-8097	63	32	.	.	PUNCT
easat-8097	64	1	third	third	ADJ
easat-8097	64	2	,	,	PUNCT
easat-8097	64	3	personal	personal	ADJ
easat-8097	64	4	factors	factor	NOUN
easat-8097	64	5	such	such	ADJ
easat-8097	64	6	as	as	ADP
easat-8097	64	7	age	age	NOUN
easat-8097	64	8	,	,	PUNCT
easat-8097	64	9	occupation	occupation	NOUN
easat-8097	64	10	,	,	PUNCT
easat-8097	64	11	economic	economic	ADJ
easat-8097	64	12	status	status	NOUN
easat-8097	64	13	,	,	PUNCT
easat-8097	64	14	and	and	CCONJ
easat-8097	64	15	lifestyle	lifestyle	NOUN
easat-8097	64	16	define	define	VERB
easat-8097	64	17	individual	individual	ADJ
easat-8097	64	18	consumption	consumption	NOUN
easat-8097	64	19	patterns	pattern	NOUN
easat-8097	64	20	.	.	PUNCT
easat-8097	65	1	for	for	ADP
easat-8097	65	2	instance	instance	NOUN
easat-8097	65	3	,	,	PUNCT
easat-8097	65	4	occupational	occupational	ADJ
easat-8097	65	5	demands	demand	NOUN
easat-8097	65	6	and	and	CCONJ
easat-8097	65	7	income	income	NOUN
easat-8097	65	8	levels	level	NOUN
easat-8097	65	9	directly	directly	ADV
easat-8097	65	10	influence	influence	VERB
easat-8097	65	11	the	the	DET
easat-8097	65	12	types	type	NOUN
easat-8097	65	13	of	of	ADP
easat-8097	65	14	products	product	NOUN
easat-8097	65	15	consumed	consume	VERB
easat-8097	65	16	.	.	PUNCT
easat-8097	66	1	finally	finally	ADV
easat-8097	66	2	,	,	PUNCT
easat-8097	66	3	psychological	psychological	ADJ
easat-8097	66	4	factors	factor	NOUN
easat-8097	66	5	–	–	PUNCT
easat-8097	66	6	including	include	VERB
easat-8097	66	7	motivation	motivation	NOUN
easat-8097	66	8	,	,	PUNCT
easat-8097	66	9	perception	perception	NOUN
easat-8097	66	10	,	,	PUNCT
easat-8097	66	11	learning	learning	NOUN
easat-8097	66	12	,	,	PUNCT
easat-8097	66	13	and	and	CCONJ
easat-8097	66	14	beliefs	belief	NOUN
easat-8097	66	15	–	–	PUNCT
easat-8097	66	16	explain	explain	VERB
easat-8097	66	17	how	how	SCONJ
easat-8097	66	18	internal	internal	ADJ
easat-8097	66	19	processes	process	NOUN
easat-8097	66	20	and	and	CCONJ
easat-8097	66	21	past	past	ADJ
easat-8097	66	22	experiences	experience	NOUN
easat-8097	66	23	inform	inform	VERB
easat-8097	66	24	purchasing	purchase	VERB
easat-8097	66	25	decisions	decision	NOUN
easat-8097	66	26	.	.	PUNCT
easat-8097	67	1	theories	theory	NOUN
easat-8097	67	2	such	such	ADJ
easat-8097	67	3	as	as	ADP
easat-8097	67	4	maslow	maslow	NOUN
easat-8097	67	5	’s	’s	PART
easat-8097	67	6	hierarchy	hierarchy	NOUN
easat-8097	67	7	of	of	ADP
easat-8097	67	8	needs	need	NOUN
easat-8097	67	9	and	and	CCONJ
easat-8097	67	10	herzberg	herzberg	PROPN
easat-8097	67	11	’s	’s	PART
easat-8097	67	12	motivation	motivation	NOUN
easat-8097	67	13	-	-	PUNCT
easat-8097	67	14	hygiene	hygiene	NOUN
easat-8097	67	15	theory	theory	NOUN
easat-8097	67	16	elucidate	elucidate	VERB
easat-8097	67	17	these	these	DET
easat-8097	67	18	internal	internal	ADJ
easat-8097	67	19	drivers	driver	NOUN
easat-8097	67	20	,	,	PUNCT
easat-8097	67	21	while	while	SCONJ
easat-8097	67	22	perception	perception	NOUN
easat-8097	67	23	and	and	CCONJ
easat-8097	67	24	accumulated	accumulate	VERB
easat-8097	67	25	knowledge	knowledge	NOUN
easat-8097	67	26	guide	guide	NOUN
easat-8097	67	27	consumers	consumer	NOUN
easat-8097	67	28	in	in	ADP
easat-8097	67	29	evaluating	evaluate	VERB
easat-8097	67	30	product	product	NOUN
easat-8097	67	31	relevance	relevance	NOUN
easat-8097	67	32	and	and	CCONJ
easat-8097	67	33	trustworthiness	trustworthiness	NOUN
easat-8097	67	34	.	.	PUNCT
easat-8097	68	1	2.3	2.3	NUM
easat-8097	68	2	.	.	PUNCT
easat-8097	69	1	theoretical	theoretical	ADJ
easat-8097	69	2	background	background	NOUN
easat-8097	69	3	2.3.1	2.3.1	NUM
easat-8097	69	4	.	.	PUNCT
easat-8097	69	5	theory	theory	NOUN
easat-8097	69	6	of	of	ADP
easat-8097	69	7	reasoned	reason	VERB
easat-8097	69	8	action	action	NOUN
easat-8097	69	9	(	(	PUNCT
easat-8097	69	10	tra	tra	NOUN
easat-8097	69	11	)	)	PUNCT
easat-8097	69	12	developed	develop	VERB
easat-8097	69	13	by	by	ADP
easat-8097	69	14	fishbein	fishbein	ADJ
easat-8097	69	15	and	and	CCONJ
easat-8097	69	16	ajzen	ajzen	NOUN
easat-8097	70	1	[	[	X
easat-8097	70	2	22	22	NUM
easat-8097	70	3	]	]	PUNCT
easat-8097	70	4	the	the	DET
easat-8097	70	5	theory	theory	NOUN
easat-8097	70	6	of	of	ADP
easat-8097	70	7	reasoned	reason	VERB
easat-8097	70	8	action	action	NOUN
easat-8097	70	9	posits	posit	NOUN
easat-8097	70	10	that	that	PRON
easat-8097	70	11	an	an	DET
easat-8097	70	12	individual	individual	NOUN
easat-8097	70	13	's	's	PART
easat-8097	70	14	behavioral	behavioral	ADJ
easat-8097	70	15	intention	intention	NOUN
easat-8097	70	16	is	be	AUX
easat-8097	70	17	the	the	DET
easat-8097	70	18	most	most	ADV
easat-8097	70	19	immediate	immediate	ADJ
easat-8097	70	20	determinant	determinant	ADJ
easat-8097	70	21	of	of	ADP
easat-8097	70	22	actual	actual	ADJ
easat-8097	70	23	behavior	behavior	NOUN
easat-8097	70	24	.	.	PUNCT
easat-8097	71	1	the	the	DET
easat-8097	71	2	model	model	NOUN
easat-8097	71	3	emphasizes	emphasize	VERB
easat-8097	71	4	two	two	NUM
easat-8097	71	5	principal	principal	ADJ
easat-8097	71	6	constructs	construct	NOUN
easat-8097	71	7	:	:	PUNCT
easat-8097	71	8	attitude	attitude	NOUN
easat-8097	71	9	toward	toward	ADP
easat-8097	71	10	the	the	DET
easat-8097	71	11	behavior	behavior	NOUN
easat-8097	71	12	,	,	PUNCT
easat-8097	71	13	which	which	PRON
easat-8097	71	14	reflects	reflect	VERB
easat-8097	71	15	the	the	DET
easat-8097	71	16	consumer	consumer	NOUN
easat-8097	71	17	's	's	PART
easat-8097	71	18	evaluation	evaluation	NOUN
easat-8097	71	19	of	of	ADP
easat-8097	71	20	product	product	NOUN
easat-8097	71	21	attributes	attribute	NOUN
easat-8097	71	22	and	and	CCONJ
easat-8097	71	23	associated	associated	ADJ
easat-8097	71	24	benefits	benefit	NOUN
easat-8097	71	25	,	,	PUNCT
easat-8097	71	26	and	and	CCONJ
easat-8097	71	27	subjective	subjective	ADJ
easat-8097	71	28	norms	norm	NOUN
easat-8097	71	29	,	,	PUNCT
easat-8097	71	30	which	which	PRON
easat-8097	71	31	encapsulate	encapsulate	VERB
easat-8097	71	32	the	the	DET
easat-8097	71	33	social	social	ADJ
easat-8097	71	34	influence	influence	NOUN
easat-8097	71	35	from	from	ADP
easat-8097	71	36	important	important	ADJ
easat-8097	71	37	referents	referent	NOUN
easat-8097	71	38	.	.	PUNCT
easat-8097	72	1	attitudes	attitude	NOUN
easat-8097	72	2	are	be	AUX
easat-8097	72	3	often	often	ADV
easat-8097	72	4	quantified	quantify	VERB
easat-8097	72	5	by	by	ADP
easat-8097	72	6	assigning	assign	VERB
easat-8097	72	7	weights	weight	NOUN
easat-8097	72	8	to	to	PART
easat-8097	72	9	product	product	NOUN
easat-8097	72	10	attributes	attribute	NOUN
easat-8097	72	11	based	base	VERB
easat-8097	72	12	on	on	ADP
easat-8097	72	13	their	their	PRON
easat-8097	72	14	perceived	perceive	VERB
easat-8097	72	15	importance	importance	NOUN
easat-8097	72	16	,	,	PUNCT
easat-8097	72	17	allowing	allow	VERB
easat-8097	72	18	for	for	ADP
easat-8097	72	19	prediction	prediction	NOUN
easat-8097	72	20	of	of	ADP
easat-8097	72	21	consumer	consumer	NOUN
easat-8097	72	22	preferences	preference	NOUN
easat-8097	72	23	.	.	PUNCT
easat-8097	73	1	subjective	subjective	ADJ
easat-8097	73	2	norms	norm	NOUN
easat-8097	73	3	are	be	AUX
easat-8097	73	4	assessed	assess	VERB
easat-8097	73	5	through	through	ADP
easat-8097	73	6	the	the	DET
easat-8097	73	7	perceived	perceive	VERB
easat-8097	73	8	expectations	expectation	NOUN
easat-8097	73	9	of	of	ADP
easat-8097	73	10	significant	significant	ADJ
easat-8097	73	11	others	other	NOUN
easat-8097	73	12	and	and	CCONJ
easat-8097	73	13	the	the	DET
easat-8097	73	14	consumer	consumer	NOUN
easat-8097	73	15	's	's	PART
easat-8097	73	16	motivation	motivation	NOUN
easat-8097	73	17	to	to	PART
easat-8097	73	18	comply	comply	VERB
easat-8097	73	19	with	with	ADP
easat-8097	73	20	those	those	DET
easat-8097	73	21	expectations	expectation	NOUN
easat-8097	73	22	.	.	PUNCT
easat-8097	74	1	while	while	SCONJ
easat-8097	74	2	tra	tra	PROPN
easat-8097	74	3	provides	provide	VERB
easat-8097	74	4	a	a	DET
easat-8097	74	5	foundational	foundational	ADJ
easat-8097	74	6	understanding	understanding	NOUN
easat-8097	74	7	of	of	ADP
easat-8097	74	8	behavioral	behavioral	ADJ
easat-8097	74	9	intention	intention	NOUN
easat-8097	74	10	,	,	PUNCT
easat-8097	74	11	it	it	PRON
easat-8097	74	12	is	be	AUX
easat-8097	74	13	limited	limit	VERB
easat-8097	74	14	by	by	ADP
easat-8097	74	15	its	its	PRON
easat-8097	74	16	assumption	assumption	NOUN
easat-8097	74	17	that	that	SCONJ
easat-8097	74	18	individuals	individual	NOUN
easat-8097	74	19	have	have	AUX
easat-8097	74	20	complete	complete	ADJ
easat-8097	74	21	volitional	volitional	ADJ
easat-8097	74	22	control	control	NOUN
easat-8097	74	23	over	over	ADP
easat-8097	74	24	their	their	PRON
easat-8097	74	25	actions	action	NOUN
easat-8097	74	26	.	.	PUNCT
easat-8097	75	1	2.3.2	2.3.2	X
easat-8097	75	2	.	.	X
easat-8097	75	3	theory	theory	NOUN
easat-8097	75	4	of	of	ADP
easat-8097	75	5	planned	plan	VERB
easat-8097	75	6	behavior	behavior	NOUN
easat-8097	75	7	(	(	PUNCT
easat-8097	75	8	tpb	tpb	NOUN
easat-8097	75	9	)	)	PUNCT
easat-8097	75	10	to	to	PART
easat-8097	75	11	address	address	VERB
easat-8097	75	12	the	the	DET
easat-8097	75	13	limitations	limitation	NOUN
easat-8097	75	14	of	of	ADP
easat-8097	75	15	tra	tra	NOUN
easat-8097	75	16	,	,	PUNCT
easat-8097	75	17	ajzen	ajzen	NOUN
easat-8097	76	1	[	[	X
easat-8097	76	2	18	18	NUM
easat-8097	76	3	]	]	PUNCT
easat-8097	76	4	introduced	introduce	VERB
easat-8097	76	5	the	the	DET
easat-8097	76	6	theory	theory	NOUN
easat-8097	76	7	of	of	ADP
easat-8097	76	8	planned	plan	VERB
easat-8097	76	9	behavior	behavior	NOUN
easat-8097	76	10	,	,	PUNCT
easat-8097	76	11	incorporating	incorporate	VERB
easat-8097	76	12	perceived	perceive	VERB
easat-8097	76	13	behavioral	behavioral	ADJ
easat-8097	76	14	control	control	NOUN
easat-8097	76	15	as	as	ADP
easat-8097	76	16	an	an	DET
easat-8097	76	17	additional	additional	ADJ
easat-8097	76	18	determinant	determinant	NOUN
easat-8097	76	19	of	of	ADP
easat-8097	76	20	intention	intention	NOUN
easat-8097	76	21	and	and	CCONJ
easat-8097	76	22	behavior	behavior	NOUN
easat-8097	76	23	.	.	PUNCT
easat-8097	77	1	this	this	DET
easat-8097	77	2	construct	construct	NOUN
easat-8097	77	3	reflects	reflect	VERB
easat-8097	77	4	an	an	DET
easat-8097	77	5	individual	individual	NOUN
easat-8097	77	6	’s	’s	PART
easat-8097	77	7	belief	belief	NOUN
easat-8097	77	8	about	about	ADP
easat-8097	77	9	the	the	DET
easat-8097	77	10	ease	ease	NOUN
easat-8097	77	11	or	or	CCONJ
easat-8097	77	12	difficulty	difficulty	NOUN
easat-8097	77	13	of	of	ADP
easat-8097	77	14	performing	perform	VERB
easat-8097	77	15	a	a	DET
easat-8097	77	16	behavior	behavior	NOUN
easat-8097	77	17	,	,	PUNCT
easat-8097	77	18	influenced	influence	VERB
easat-8097	77	19	by	by	ADP
easat-8097	77	20	internal	internal	ADJ
easat-8097	77	21	factors	factor	NOUN
easat-8097	77	22	(	(	PUNCT
easat-8097	77	23	e.g.	e.g.	ADV
easat-8097	77	24	,	,	PUNCT
easat-8097	77	25	skills	skill	NOUN
easat-8097	77	26	,	,	PUNCT
easat-8097	77	27	knowledge	knowledge	NOUN
easat-8097	77	28	)	)	PUNCT
easat-8097	77	29	and	and	CCONJ
easat-8097	77	30	external	external	ADJ
easat-8097	77	31	constraints	constraint	NOUN
easat-8097	77	32	(	(	PUNCT
easat-8097	77	33	e.g.	e.g.	ADV
easat-8097	77	34	,	,	PUNCT
easat-8097	77	35	time	time	NOUN
easat-8097	77	36	,	,	PUNCT
easat-8097	77	37	cost	cost	NOUN
easat-8097	77	38	,	,	PUNCT
easat-8097	77	39	social	social	ADJ
easat-8097	77	40	dependency	dependency	NOUN
easat-8097	77	41	)	)	PUNCT
easat-8097	77	42	.	.	PUNCT
easat-8097	78	1	tpb	tpb	NOUN
easat-8097	78	2	posits	posit	NOUN
easat-8097	78	3	that	that	SCONJ
easat-8097	78	4	the	the	PRON
easat-8097	78	5	stronger	strong	ADJ
easat-8097	78	6	the	the	DET
easat-8097	78	7	perceived	perceive	VERB
easat-8097	78	8	behavioral	behavioral	ADJ
easat-8097	78	9	control	control	NOUN
easat-8097	78	10	,	,	PUNCT
easat-8097	78	11	the	the	PRON
easat-8097	78	12	more	more	ADV
easat-8097	78	13	likely	likely	ADJ
easat-8097	78	14	the	the	DET
easat-8097	78	15	behavior	behavior	NOUN
easat-8097	78	16	will	will	AUX
easat-8097	78	17	be	be	AUX
easat-8097	78	18	enacted	enact	VERB
easat-8097	78	19	.	.	PUNCT
easat-8097	79	1	in	in	ADP
easat-8097	79	2	consumer	consumer	NOUN
easat-8097	79	3	contexts	contexts	NOUN
easat-8097	79	4	,	,	PUNCT
easat-8097	79	5	factors	factor	NOUN
easat-8097	79	6	such	such	ADJ
easat-8097	79	7	as	as	ADP
easat-8097	79	8	convenience	convenience	NOUN
easat-8097	79	9	,	,	PUNCT
easat-8097	79	10	time	time	NOUN
easat-8097	79	11	availability	availability	NOUN
easat-8097	79	12	,	,	PUNCT
easat-8097	79	13	and	and	CCONJ
easat-8097	79	14	information	information	NOUN
easat-8097	79	15	accessibility	accessibility	NOUN
easat-8097	79	16	are	be	AUX
easat-8097	79	17	critical	critical	ADJ
easat-8097	79	18	in	in	ADP
easat-8097	79	19	enhancing	enhance	VERB
easat-8097	79	20	perceived	perceive	VERB
easat-8097	79	21	control	control	NOUN
easat-8097	79	22	.	.	PUNCT
easat-8097	80	1	tpb	tpb	NOUN
easat-8097	80	2	thus	thus	ADV
easat-8097	80	3	provides	provide	VERB
easat-8097	80	4	a	a	DET
easat-8097	80	5	more	more	ADV
easat-8097	80	6	robust	robust	ADJ
easat-8097	80	7	framework	framework	NOUN
easat-8097	80	8	for	for	ADP
easat-8097	80	9	predicting	predict	VERB
easat-8097	80	10	and	and	CCONJ
easat-8097	80	11	explaining	explain	VERB
easat-8097	80	12	behavior	behavior	NOUN
easat-8097	80	13	,	,	PUNCT
easat-8097	80	14	particularly	particularly	ADV
easat-8097	80	15	in	in	ADP
easat-8097	80	16	contexts	contexts	NOUN
easat-8097	80	17	involving	involve	VERB
easat-8097	80	18	financial	financial	ADJ
easat-8097	80	19	decision	decision	NOUN
easat-8097	80	20	-	-	PUNCT
easat-8097	80	21	making	making	NOUN
easat-8097	80	22	or	or	CCONJ
easat-8097	80	23	technological	technological	ADJ
easat-8097	80	24	adoption	adoption	NOUN
easat-8097	80	25	.	.	PUNCT
easat-8097	81	1	2.3.3	2.3.3	X
easat-8097	81	2	.	.	PUNCT
easat-8097	81	3	technology	technology	NOUN
easat-8097	81	4	acceptance	acceptance	NOUN
easat-8097	81	5	model	model	NOUN
easat-8097	81	6	(	(	PUNCT
easat-8097	81	7	tam	tam	PROPN
easat-8097	81	8	)	)	PUNCT
easat-8097	81	9	originally	originally	ADV
easat-8097	81	10	developed	develop	VERB
easat-8097	81	11	by	by	ADP
easat-8097	81	12	barnes	barne	NOUN
easat-8097	81	13	[	[	X
easat-8097	81	14	24	24	NUM
easat-8097	81	15	]	]	PUNCT
easat-8097	81	16	the	the	DET
easat-8097	81	17	technology	technology	NOUN
easat-8097	81	18	acceptance	acceptance	NOUN
easat-8097	81	19	model	model	NOUN
easat-8097	81	20	(	(	PUNCT
easat-8097	81	21	tam	tam	NOUN
easat-8097	81	22	)	)	PUNCT
easat-8097	81	23	builds	build	VERB
easat-8097	81	24	on	on	ADP
easat-8097	81	25	tra	tra	NOUN
easat-8097	81	26	to	to	PART
easat-8097	81	27	specifically	specifically	ADV
easat-8097	81	28	explain	explain	VERB
easat-8097	81	29	user	user	NOUN
easat-8097	81	30	acceptance	acceptance	NOUN
easat-8097	81	31	of	of	ADP
easat-8097	81	32	technology	technology	NOUN
easat-8097	81	33	.	.	PUNCT
easat-8097	82	1	the	the	DET
easat-8097	82	2	model	model	NOUN
easat-8097	82	3	introduces	introduce	VERB
easat-8097	82	4	two	two	NUM
easat-8097	82	5	key	key	ADJ
easat-8097	82	6	constructs	construct	NOUN
easat-8097	82	7	:	:	PUNCT
easat-8097	82	8	perceived	perceive	VERB
easat-8097	82	9	usefulness	usefulness	NOUN
easat-8097	82	10	–	–	PUNCT
easat-8097	82	11	the	the	DET
easat-8097	82	12	degree	degree	NOUN
easat-8097	82	13	to	to	PART
easat-8097	82	14	which	which	PRON
easat-8097	82	15	a	a	DET
easat-8097	82	16	person	person	NOUN
easat-8097	82	17	believes	believe	VERB
easat-8097	82	18	that	that	SCONJ
easat-8097	82	19	using	use	VERB
easat-8097	82	20	a	a	DET
easat-8097	82	21	system	system	NOUN
easat-8097	82	22	enhances	enhance	VERB
easat-8097	82	23	job	job	NOUN
easat-8097	82	24	performance	performance	NOUN
easat-8097	82	25	,	,	PUNCT
easat-8097	82	26	and	and	CCONJ
easat-8097	82	27	perceived	perceive	VERB
easat-8097	82	28	ease	ease	NOUN
easat-8097	82	29	of	of	ADP
easat-8097	82	30	use	use	NOUN
easat-8097	82	31	–	–	PUNCT
easat-8097	82	32	the	the	DET
easat-8097	82	33	degree	degree	NOUN
easat-8097	82	34	to	to	PART
easat-8097	82	35	which	which	PRON
easat-8097	82	36	a	a	DET
easat-8097	82	37	person	person	NOUN
easat-8097	82	38	believes	believe	VERB
easat-8097	82	39	that	that	SCONJ
easat-8097	82	40	using	use	VERB
easat-8097	82	41	the	the	DET
easat-8097	82	42	system	system	NOUN
easat-8097	82	43	requires	require	VERB
easat-8097	82	44	minimal	minimal	ADJ
easat-8097	82	45	effort	effort	NOUN
easat-8097	82	46	.	.	PUNCT
easat-8097	83	1	sang	sing	VERB
easat-8097	83	2	[	[	X
easat-8097	83	3	25	25	NUM
easat-8097	83	4	]	]	PUNCT
easat-8097	83	5	applied	apply	VERB
easat-8097	83	6	tam	tam	NOUN
easat-8097	83	7	in	in	ADP
easat-8097	83	8	the	the	DET
easat-8097	83	9	context	context	NOUN
easat-8097	83	10	of	of	ADP
easat-8097	83	11	digital	digital	ADJ
easat-8097	83	12	finance	finance	NOUN
easat-8097	83	13	adoption	adoption	NOUN
easat-8097	83	14	in	in	ADP
easat-8097	83	15	vietnam	vietnam	PROPN
easat-8097	83	16	,	,	PUNCT
easat-8097	83	17	focusing	focus	VERB
easat-8097	83	18	on	on	ADP
easat-8097	83	19	generation	generation	NOUN
easat-8097	83	20	z	z	NOUN
easat-8097	83	21	’s	’s	ADJ
easat-8097	83	22	acceptance	acceptance	NOUN
easat-8097	83	23	of	of	ADP
easat-8097	83	24	apple	apple	NOUN
easat-8097	83	25	pay	pay	NOUN
easat-8097	83	26	.	.	PUNCT
easat-8097	84	1	the	the	DET
easat-8097	84	2	study	study	NOUN
easat-8097	84	3	highlighted	highlight	VERB
easat-8097	84	4	that	that	SCONJ
easat-8097	84	5	perceived	perceive	VERB
easat-8097	84	6	ease	ease	NOUN
easat-8097	84	7	of	of	ADP
easat-8097	84	8	use	use	NOUN
easat-8097	84	9	and	and	CCONJ
easat-8097	84	10	perceived	perceive	VERB
easat-8097	84	11	security	security	NOUN
easat-8097	84	12	were	be	AUX
easat-8097	84	13	the	the	DET
easat-8097	84	14	two	two	NUM
easat-8097	84	15	most	most	ADV
easat-8097	84	16	significant	significant	ADJ
easat-8097	84	17	predictors	predictor	NOUN
easat-8097	84	18	of	of	ADP
easat-8097	84	19	consumers	consumer	NOUN
easat-8097	84	20	’	'	PUNCT
easat-8097	84	21	behavioral	behavioral	ADJ
easat-8097	84	22	intention	intention	NOUN
easat-8097	84	23	to	to	PART
easat-8097	84	24	adopt	adopt	VERB
easat-8097	84	25	1218	1218	NUM
easat-8097	84	26	edelweiss	edelweiss	PROPN
easat-8097	84	27	applied	apply	VERB
easat-8097	84	28	science	science	NOUN
easat-8097	84	29	and	and	CCONJ
easat-8097	84	30	technology	technology	NOUN
easat-8097	84	31	issn	issn	PROPN
easat-8097	84	32	:	:	PUNCT
easat-8097	84	33	2576	2576	NUM
easat-8097	84	34	-	-	SYM
easat-8097	84	35	8484	8484	NUM
easat-8097	84	36	vol	vol	NOUN
easat-8097	84	37	.	.	PROPN
easat-8097	85	1	9	9	NUM
easat-8097	85	2	,	,	PUNCT
easat-8097	85	3	no	no	INTJ
easat-8097	85	4	.	.	NOUN
easat-8097	85	5	6	6	NUM
easat-8097	85	6	:	:	SYM
easat-8097	85	7	1215	1215	NUM
easat-8097	85	8	-	-	SYM
easat-8097	85	9	1232	1232	NUM
easat-8097	85	10	,	,	PUNCT
easat-8097	85	11	2025	2025	NUM
easat-8097	85	12	doi	doi	NOUN
easat-8097	85	13	:	:	PUNCT
easat-8097	85	14	10.55214/25768484.v9i6.8097	10.55214/25768484.v9i6.8097	NUM
easat-8097	85	15	©	©	PROPN
easat-8097	85	16	2025	2025	NUM
easat-8097	85	17	by	by	ADP
easat-8097	85	18	the	the	DET
easat-8097	85	19	authors	author	NOUN
easat-8097	85	20	;	;	PUNCT
easat-8097	85	21	licensee	licensee	PROPN
easat-8097	85	22	learning	learning	NOUN
easat-8097	85	23	gate	gate	PROPN
easat-8097	85	24	technology	technology	NOUN
easat-8097	85	25	-	-	PUNCT
easat-8097	85	26	based	base	VERB
easat-8097	85	27	financial	financial	ADJ
easat-8097	85	28	solutions	solution	NOUN
easat-8097	85	29	.	.	PUNCT
easat-8097	86	1	the	the	DET
easat-8097	86	2	findings	finding	NOUN
easat-8097	86	3	confirmed	confirm	VERB
easat-8097	86	4	that	that	SCONJ
easat-8097	86	5	when	when	SCONJ
easat-8097	86	6	users	user	NOUN
easat-8097	86	7	perceive	perceive	VERB
easat-8097	86	8	the	the	DET
easat-8097	86	9	system	system	NOUN
easat-8097	86	10	as	as	ADV
easat-8097	86	11	easy	easy	ADJ
easat-8097	86	12	to	to	PART
easat-8097	86	13	use	use	VERB
easat-8097	86	14	and	and	CCONJ
easat-8097	86	15	secure	secure	ADJ
easat-8097	86	16	,	,	PUNCT
easat-8097	86	17	their	their	PRON
easat-8097	86	18	willingness	willingness	NOUN
easat-8097	86	19	to	to	PART
easat-8097	86	20	embrace	embrace	VERB
easat-8097	86	21	digital	digital	ADJ
easat-8097	86	22	financial	financial	ADJ
easat-8097	86	23	services	service	NOUN
easat-8097	86	24	increases	increase	VERB
easat-8097	86	25	substantially	substantially	ADV
easat-8097	86	26	.	.	PUNCT
easat-8097	87	1	this	this	PRON
easat-8097	87	2	supports	support	VERB
easat-8097	87	3	the	the	DET
easat-8097	87	4	broader	broad	ADJ
easat-8097	87	5	applicability	applicability	NOUN
easat-8097	87	6	of	of	ADP
easat-8097	87	7	tam	tam	NOUN
easat-8097	87	8	in	in	ADP
easat-8097	87	9	analyzing	analyze	VERB
easat-8097	87	10	user	user	NOUN
easat-8097	87	11	acceptance	acceptance	NOUN
easat-8097	87	12	behavior	behavior	NOUN
easat-8097	87	13	not	not	PART
easat-8097	87	14	only	only	ADV
easat-8097	87	15	in	in	ADP
easat-8097	87	16	mobile	mobile	ADJ
easat-8097	87	17	banking	banking	NOUN
easat-8097	87	18	but	but	CCONJ
easat-8097	87	19	also	also	ADV
easat-8097	87	20	in	in	ADP
easat-8097	87	21	credit	credit	NOUN
easat-8097	87	22	card	card	NOUN
easat-8097	87	23	usage	usage	NOUN
easat-8097	87	24	within	within	ADP
easat-8097	87	25	digital	digital	ADJ
easat-8097	87	26	ecosystems	ecosystem	NOUN
easat-8097	87	27	.	.	PUNCT
easat-8097	88	1	2.4	2.4	NUM
easat-8097	88	2	.	.	PUNCT
easat-8097	89	1	determinants	determinant	NOUN
easat-8097	89	2	of	of	ADP
easat-8097	89	3	credit	credit	NOUN
easat-8097	89	4	card	card	NOUN
easat-8097	89	5	usage	usage	NOUN
easat-8097	89	6	decision	decision	NOUN
easat-8097	89	7	for	for	ADP
easat-8097	89	8	individual	individual	ADJ
easat-8097	89	9	customers	customer	NOUN
easat-8097	89	10	numerous	numerous	ADJ
easat-8097	89	11	empirical	empirical	ADJ
easat-8097	89	12	studies	study	NOUN
easat-8097	89	13	have	have	AUX
easat-8097	89	14	explored	explore	VERB
easat-8097	89	15	the	the	DET
easat-8097	89	16	behavioral	behavioral	ADJ
easat-8097	89	17	drivers	driver	NOUN
easat-8097	89	18	behind	behind	ADP
easat-8097	89	19	credit	credit	NOUN
easat-8097	89	20	card	card	NOUN
easat-8097	89	21	usage	usage	NOUN
easat-8097	89	22	.	.	PUNCT
easat-8097	90	1	karaaslan	karaaslan	NOUN
easat-8097	90	2	and	and	CCONJ
easat-8097	90	3	tekmanlı	tekmanlı	NOUN
easat-8097	90	4	[	[	X
easat-8097	90	5	12	12	NUM
easat-8097	90	6	]	]	PUNCT
easat-8097	90	7	employing	employ	VERB
easat-8097	90	8	binary	binary	ADJ
easat-8097	90	9	logistic	logistic	ADJ
easat-8097	90	10	and	and	CCONJ
easat-8097	90	11	probit	probit	NOUN
easat-8097	90	12	models	model	NOUN
easat-8097	90	13	in	in	ADP
easat-8097	90	14	turkey	turkey	PROPN
easat-8097	90	15	,	,	PUNCT
easat-8097	90	16	identified	identify	VERB
easat-8097	90	17	a	a	DET
easat-8097	90	18	range	range	NOUN
easat-8097	90	19	of	of	ADP
easat-8097	90	20	sociodemographic	sociodemographic	ADJ
easat-8097	90	21	and	and	CCONJ
easat-8097	90	22	economic	economic	ADJ
easat-8097	90	23	variables	variable	NOUN
easat-8097	90	24	–	–	PUNCT
easat-8097	90	25	such	such	ADJ
easat-8097	90	26	as	as	ADP
easat-8097	90	27	gender	gender	NOUN
easat-8097	90	28	,	,	PUNCT
easat-8097	90	29	age	age	NOUN
easat-8097	90	30	,	,	PUNCT
easat-8097	90	31	income	income	NOUN
easat-8097	90	32	,	,	PUNCT
easat-8097	90	33	savings	saving	NOUN
easat-8097	90	34	,	,	PUNCT
easat-8097	90	35	online	online	ADJ
easat-8097	90	36	shopping	shopping	NOUN
easat-8097	90	37	behavior	behavior	NOUN
easat-8097	90	38	,	,	PUNCT
easat-8097	90	39	and	and	CCONJ
easat-8097	90	40	employment	employment	NOUN
easat-8097	90	41	status	status	NOUN
easat-8097	90	42	–	–	PUNCT
easat-8097	90	43	as	as	ADP
easat-8097	90	44	significant	significant	ADJ
easat-8097	90	45	determinants	determinant	NOUN
easat-8097	90	46	of	of	ADP
easat-8097	90	47	household	household	NOUN
easat-8097	90	48	credit	credit	NOUN
easat-8097	90	49	card	card	NOUN
easat-8097	90	50	adoption	adoption	NOUN
easat-8097	90	51	.	.	PUNCT
easat-8097	91	1	nasri	nasri	PROPN
easat-8097	91	2	,	,	PUNCT
easat-8097	91	3	et	et	PROPN
easat-8097	91	4	al	al	PROPN
easat-8097	91	5	.	.	PUNCT
easat-8097	92	1	[	[	X
easat-8097	92	2	4	4	X
easat-8097	92	3	]	]	PUNCT
easat-8097	92	4	emphasized	emphasize	VERB
easat-8097	92	5	customer	customer	NOUN
easat-8097	92	6	satisfaction	satisfaction	NOUN
easat-8097	92	7	,	,	PUNCT
easat-8097	92	8	service	service	NOUN
easat-8097	92	9	scope	scope	NOUN
easat-8097	92	10	,	,	PUNCT
easat-8097	92	11	and	and	CCONJ
easat-8097	92	12	technological	technological	ADJ
easat-8097	92	13	infrastructure	infrastructure	NOUN
easat-8097	92	14	as	as	ADP
easat-8097	92	15	the	the	DET
easat-8097	92	16	three	three	NUM
easat-8097	92	17	critical	critical	ADJ
easat-8097	92	18	enablers	enabler	NOUN
easat-8097	92	19	of	of	ADP
easat-8097	92	20	credit	credit	NOUN
easat-8097	92	21	card	card	NOUN
easat-8097	92	22	usage	usage	NOUN
easat-8097	92	23	,	,	PUNCT
easat-8097	92	24	particularly	particularly	ADV
easat-8097	92	25	in	in	ADP
easat-8097	92	26	the	the	DET
easat-8097	92	27	tunisian	tunisian	ADJ
easat-8097	92	28	context	context	NOUN
easat-8097	92	29	.	.	PUNCT
easat-8097	93	1	the	the	DET
easat-8097	93	2	study	study	NOUN
easat-8097	93	3	underscored	underscore	VERB
easat-8097	93	4	the	the	DET
easat-8097	93	5	importance	importance	NOUN
easat-8097	93	6	of	of	ADP
easat-8097	93	7	enhancing	enhance	VERB
easat-8097	93	8	user	user	NOUN
easat-8097	93	9	experience	experience	NOUN
easat-8097	93	10	and	and	CCONJ
easat-8097	93	11	expanding	expand	VERB
easat-8097	93	12	service	service	NOUN
easat-8097	93	13	accessibility	accessibility	NOUN
easat-8097	93	14	as	as	ADP
easat-8097	93	15	strategic	strategic	ADJ
easat-8097	93	16	levers	lever	NOUN
easat-8097	93	17	for	for	ADP
easat-8097	93	18	sustainable	sustainable	ADJ
easat-8097	93	19	service	service	NOUN
easat-8097	93	20	growth	growth	NOUN
easat-8097	93	21	.	.	PUNCT
easat-8097	94	1	süngü	süngü	ADJ
easat-8097	95	1	[	[	X
easat-8097	95	2	10	10	NUM
easat-8097	95	3	]	]	PUNCT
easat-8097	95	4	investigated	investigate	VERB
easat-8097	95	5	university	university	NOUN
easat-8097	95	6	students	student	NOUN
easat-8097	95	7	'	'	PART
easat-8097	95	8	credit	credit	NOUN
easat-8097	95	9	card	card	NOUN
easat-8097	95	10	usage	usage	NOUN
easat-8097	95	11	and	and	CCONJ
easat-8097	95	12	found	find	VERB
easat-8097	95	13	that	that	SCONJ
easat-8097	95	14	lifestyle	lifestyle	NOUN
easat-8097	95	15	,	,	PUNCT
easat-8097	95	16	rational	rational	ADJ
easat-8097	95	17	financial	financial	ADJ
easat-8097	95	18	decision	decision	NOUN
easat-8097	95	19	-	-	PUNCT
easat-8097	95	20	making	making	NOUN
easat-8097	95	21	,	,	PUNCT
easat-8097	95	22	confidence	confidence	NOUN
easat-8097	95	23	,	,	PUNCT
easat-8097	95	24	and	and	CCONJ
easat-8097	95	25	economic	economic	ADJ
easat-8097	95	26	knowledge	knowledge	NOUN
easat-8097	95	27	substantially	substantially	ADV
easat-8097	95	28	affect	affect	VERB
easat-8097	95	29	usage	usage	NOUN
easat-8097	95	30	intention	intention	NOUN
easat-8097	95	31	.	.	PUNCT
easat-8097	96	1	similarly	similarly	ADV
easat-8097	96	2	,	,	PUNCT
easat-8097	96	3	ahmed	ahmed	PROPN
easat-8097	96	4	,	,	PUNCT
easat-8097	96	5	et	et	PROPN
easat-8097	96	6	al	al	PROPN
easat-8097	96	7	.	.	PUNCT
easat-8097	97	1	[	[	X
easat-8097	97	2	15	15	NUM
easat-8097	97	3	]	]	X
easat-8097	97	4	examined	examine	VERB
easat-8097	97	5	consumer	consumer	NOUN
easat-8097	97	6	attitudes	attitude	NOUN
easat-8097	97	7	and	and	CCONJ
easat-8097	97	8	behavior	behavior	NOUN
easat-8097	97	9	in	in	ADP
easat-8097	97	10	malaysia	malaysia	PROPN
easat-8097	97	11	and	and	CCONJ
easat-8097	97	12	concluded	conclude	VERB
easat-8097	97	13	that	that	SCONJ
easat-8097	97	14	while	while	SCONJ
easat-8097	97	15	lifestyle	lifestyle	NOUN
easat-8097	97	16	influences	influence	VERB
easat-8097	97	17	credit	credit	NOUN
easat-8097	97	18	card	card	NOUN
easat-8097	97	19	attitudes	attitude	NOUN
easat-8097	97	20	,	,	PUNCT
easat-8097	97	21	other	other	ADJ
easat-8097	97	22	psychological	psychological	ADJ
easat-8097	97	23	constructs	construct	NOUN
easat-8097	97	24	such	such	ADJ
easat-8097	97	25	as	as	ADP
easat-8097	97	26	self	self	NOUN
easat-8097	97	27	-	-	PUNCT
easat-8097	97	28	esteem	esteem	NOUN
easat-8097	97	29	and	and	CCONJ
easat-8097	97	30	attitude	attitude	NOUN
easat-8097	97	31	-	-	PUNCT
easat-8097	97	32	behavior	behavior	NOUN
easat-8097	97	33	linkages	linkage	NOUN
easat-8097	97	34	were	be	AUX
easat-8097	97	35	statistically	statistically	ADV
easat-8097	97	36	insignificant	insignificant	ADJ
easat-8097	97	37	,	,	PUNCT
easat-8097	97	38	challenging	challenge	VERB
easat-8097	97	39	traditional	traditional	ADJ
easat-8097	97	40	assumptions	assumption	NOUN
easat-8097	97	41	in	in	ADP
easat-8097	97	42	attitude	attitude	NOUN
easat-8097	97	43	theory	theory	NOUN
easat-8097	97	44	.	.	PUNCT
easat-8097	98	1	in	in	ADP
easat-8097	98	2	the	the	DET
easat-8097	98	3	vietnamese	vietnamese	ADJ
easat-8097	98	4	context	context	NOUN
easat-8097	98	5	,	,	PUNCT
easat-8097	98	6	truong	truong	PROPN
easat-8097	98	7	,	,	PUNCT
easat-8097	98	8	et	et	PROPN
easat-8097	98	9	al	al	PROPN
easat-8097	98	10	.	.	PUNCT
easat-8097	99	1	[	[	X
easat-8097	99	2	26	26	NUM
easat-8097	99	3	]	]	PUNCT
easat-8097	99	4	studied	study	VERB
easat-8097	99	5	determinants	determinant	NOUN
easat-8097	99	6	of	of	ADP
easat-8097	99	7	credit	credit	NOUN
easat-8097	99	8	card	card	NOUN
easat-8097	99	9	usage	usage	NOUN
easat-8097	99	10	at	at	ADP
easat-8097	99	11	pvcombank	pvcombank	NOUN
easat-8097	99	12	–	–	PUNCT
easat-8097	99	13	ninh	ninh	PROPN
easat-8097	99	14	kieu	kieu	PROPN
easat-8097	99	15	branch	branch	NOUN
easat-8097	99	16	,	,	PUNCT
easat-8097	99	17	identifying	identify	VERB
easat-8097	99	18	six	six	NUM
easat-8097	99	19	influencing	influence	VERB
easat-8097	99	20	factors	factor	NOUN
easat-8097	99	21	,	,	PUNCT
easat-8097	99	22	among	among	ADP
easat-8097	99	23	which	which	DET
easat-8097	99	24	attitude	attitude	NOUN
easat-8097	99	25	toward	toward	ADP
easat-8097	99	26	usage	usage	NOUN
easat-8097	99	27	behavior	behavior	NOUN
easat-8097	99	28	had	have	VERB
easat-8097	99	29	the	the	DET
easat-8097	99	30	most	most	ADV
easat-8097	99	31	substantial	substantial	ADJ
easat-8097	99	32	impact	impact	NOUN
easat-8097	99	33	.	.	PUNCT
easat-8097	100	1	tran	tran	PROPN
easat-8097	100	2	and	and	CCONJ
easat-8097	100	3	trinh	trinh	PROPN
easat-8097	101	1	[	[	X
easat-8097	101	2	13	13	NUM
easat-8097	101	3	]	]	PUNCT
easat-8097	101	4	analyzed	analyze	VERB
easat-8097	101	5	student	student	NOUN
easat-8097	101	6	credit	credit	NOUN
easat-8097	101	7	card	card	NOUN
easat-8097	101	8	behavior	behavior	NOUN
easat-8097	101	9	at	at	ADP
easat-8097	101	10	the	the	DET
easat-8097	101	11	banking	banking	NOUN
easat-8097	101	12	university	university	PROPN
easat-8097	101	13	of	of	ADP
easat-8097	101	14	ho	ho	PROPN
easat-8097	101	15	chi	chi	PROPN
easat-8097	101	16	minh	minh	PROPN
easat-8097	101	17	city	city	PROPN
easat-8097	101	18	,	,	PUNCT
easat-8097	101	19	highlighting	highlight	VERB
easat-8097	101	20	the	the	DET
easat-8097	101	21	role	role	NOUN
easat-8097	101	22	of	of	ADP
easat-8097	101	23	subjective	subjective	ADJ
easat-8097	101	24	norms	norm	NOUN
easat-8097	101	25	,	,	PUNCT
easat-8097	101	26	third	third	ADJ
easat-8097	101	27	-	-	PUNCT
easat-8097	101	28	party	party	NOUN
easat-8097	101	29	influences	influence	NOUN
easat-8097	101	30	,	,	PUNCT
easat-8097	101	31	and	and	CCONJ
easat-8097	101	32	service	service	NOUN
easat-8097	101	33	fees	fee	NOUN
easat-8097	101	34	in	in	ADP
easat-8097	101	35	shaping	shape	VERB
easat-8097	101	36	student	student	NOUN
easat-8097	101	37	decisions	decision	NOUN
easat-8097	101	38	.	.	PUNCT
easat-8097	102	1	the	the	DET
easat-8097	102	2	findings	finding	NOUN
easat-8097	102	3	support	support	VERB
easat-8097	102	4	the	the	DET
easat-8097	102	5	hypothesis	hypothesis	NOUN
easat-8097	102	6	that	that	PRON
easat-8097	102	7	social	social	ADJ
easat-8097	102	8	influence	influence	NOUN
easat-8097	102	9	and	and	CCONJ
easat-8097	102	10	economic	economic	ADJ
easat-8097	102	11	considerations	consideration	NOUN
easat-8097	102	12	are	be	AUX
easat-8097	102	13	pivotal	pivotal	ADJ
easat-8097	102	14	in	in	ADP
easat-8097	102	15	youth	youth	NOUN
easat-8097	102	16	financial	financial	ADJ
easat-8097	102	17	behavior	behavior	NOUN
easat-8097	102	18	.	.	PUNCT
easat-8097	103	1	bui	bui	PROPN
easat-8097	103	2	,	,	PUNCT
easat-8097	103	3	et	et	PROPN
easat-8097	103	4	al	al	PROPN
easat-8097	103	5	.	.	PUNCT
easat-8097	104	1	[	[	X
easat-8097	104	2	9	9	NUM
easat-8097	104	3	]	]	PUNCT
easat-8097	104	4	concluded	conclude	VERB
easat-8097	104	5	that	that	SCONJ
easat-8097	104	6	factors	factor	NOUN
easat-8097	104	7	such	such	ADJ
easat-8097	104	8	as	as	ADP
easat-8097	104	9	banking	banking	NOUN
easat-8097	104	10	policies	policy	NOUN
easat-8097	104	11	,	,	PUNCT
easat-8097	104	12	consumer	consumer	NOUN
easat-8097	104	13	attitudes	attitude	NOUN
easat-8097	104	14	,	,	PUNCT
easat-8097	104	15	perceived	perceive	VERB
easat-8097	104	16	usefulness	usefulness	NOUN
easat-8097	104	17	,	,	PUNCT
easat-8097	104	18	convenience	convenience	NOUN
easat-8097	104	19	,	,	PUNCT
easat-8097	104	20	usage	usage	NOUN
easat-8097	104	21	costs	cost	NOUN
easat-8097	104	22	,	,	PUNCT
easat-8097	104	23	and	and	CCONJ
easat-8097	104	24	the	the	DET
easat-8097	104	25	trend	trend	NOUN
easat-8097	104	26	toward	toward	ADP
easat-8097	104	27	cashless	cashless	NOUN
easat-8097	104	28	consumption	consumption	NOUN
easat-8097	104	29	all	all	PRON
easat-8097	104	30	have	have	VERB
easat-8097	104	31	a	a	DET
easat-8097	104	32	positive	positive	ADJ
easat-8097	104	33	impact	impact	NOUN
easat-8097	104	34	on	on	ADP
easat-8097	104	35	the	the	DET
easat-8097	104	36	decision	decision	NOUN
easat-8097	104	37	to	to	PART
easat-8097	104	38	use	use	VERB
easat-8097	104	39	credit	credit	NOUN
easat-8097	104	40	cards	card	NOUN
easat-8097	104	41	in	in	ADP
easat-8097	104	42	e	e	PROPN
easat-8097	104	43	-	-	NOUN
easat-8097	104	44	commerce	commerce	NOUN
easat-8097	104	45	transactions	transaction	NOUN
easat-8097	104	46	among	among	ADP
easat-8097	104	47	individual	individual	ADJ
easat-8097	104	48	customers	customer	NOUN
easat-8097	104	49	at	at	ADP
easat-8097	104	50	vietcombank	vietcombank	PROPN
easat-8097	104	51	dong	dong	PROPN
easat-8097	104	52	nai	nai	PROPN
easat-8097	104	53	branch	branch	PROPN
easat-8097	104	54	.	.	PUNCT
easat-8097	105	1	3	3	X
easat-8097	105	2	.	.	X
easat-8097	105	3	research	research	NOUN
easat-8097	105	4	methodology	methodology	NOUN
easat-8097	105	5	and	and	CCONJ
easat-8097	105	6	hypotheses	hypothesis	NOUN
easat-8097	105	7	3.1	3.1	NUM
easat-8097	105	8	.	.	PUNCT
easat-8097	106	1	research	research	NOUN
easat-8097	106	2	model	model	NOUN
easat-8097	106	3	the	the	DET
easat-8097	106	4	theory	theory	NOUN
easat-8097	106	5	of	of	ADP
easat-8097	106	6	planned	plan	VERB
easat-8097	106	7	behavior	behavior	NOUN
easat-8097	106	8	(	(	PUNCT
easat-8097	106	9	tpb	tpb	NOUN
easat-8097	106	10	)	)	PUNCT
easat-8097	106	11	,	,	PUNCT
easat-8097	106	12	originally	originally	ADV
easat-8097	106	13	developed	develop	VERB
easat-8097	106	14	by	by	ADP
easat-8097	106	15	ajzen	ajzen	NOUN
easat-8097	107	1	[	[	X
easat-8097	107	2	18	18	NUM
easat-8097	107	3	]	]	PUNCT
easat-8097	107	4	has	have	AUX
easat-8097	107	5	been	be	AUX
easat-8097	107	6	widely	widely	ADV
easat-8097	107	7	recognized	recognize	VERB
easat-8097	107	8	as	as	ADP
easat-8097	107	9	an	an	DET
easat-8097	107	10	effective	effective	ADJ
easat-8097	107	11	framework	framework	NOUN
easat-8097	107	12	for	for	ADP
easat-8097	107	13	analyzing	analyze	VERB
easat-8097	107	14	behavioral	behavioral	ADJ
easat-8097	107	15	intentions	intention	NOUN
easat-8097	107	16	,	,	PUNCT
easat-8097	107	17	especially	especially	ADV
easat-8097	107	18	in	in	ADP
easat-8097	107	19	consumer	consumer	NOUN
easat-8097	107	20	behavior	behavior	NOUN
easat-8097	107	21	contexts	contexts	NOUN
easat-8097	107	22	.	.	PUNCT
easat-8097	108	1	compared	compare	VERB
easat-8097	108	2	to	to	ADP
easat-8097	108	3	the	the	DET
easat-8097	108	4	earlier	early	ADJ
easat-8097	108	5	theory	theory	NOUN
easat-8097	108	6	of	of	ADP
easat-8097	108	7	reasoned	reason	VERB
easat-8097	108	8	action	action	NOUN
easat-8097	108	9	(	(	PUNCT
easat-8097	108	10	tra	tra	NOUN
easat-8097	108	11	)	)	PUNCT
easat-8097	108	12	,	,	PUNCT
easat-8097	108	13	tpb	tpb	NOUN
easat-8097	108	14	demonstrates	demonstrate	VERB
easat-8097	108	15	superior	superior	ADJ
easat-8097	108	16	explanatory	explanatory	ADJ
easat-8097	108	17	and	and	CCONJ
easat-8097	108	18	predictive	predictive	ADJ
easat-8097	108	19	power	power	NOUN
easat-8097	108	20	,	,	PUNCT
easat-8097	108	21	particularly	particularly	ADV
easat-8097	108	22	when	when	SCONJ
easat-8097	108	23	addressing	address	VERB
easat-8097	108	24	scenarios	scenario	NOUN
easat-8097	108	25	where	where	SCONJ
easat-8097	108	26	individuals	individual	NOUN
easat-8097	108	27	may	may	AUX
easat-8097	108	28	lack	lack	VERB
easat-8097	108	29	complete	complete	ADJ
easat-8097	108	30	volitional	volitional	ADJ
easat-8097	108	31	control	control	NOUN
easat-8097	108	32	.	.	PUNCT
easat-8097	109	1	accordingly	accordingly	ADV
easat-8097	109	2	,	,	PUNCT
easat-8097	109	3	this	this	DET
easat-8097	109	4	study	study	NOUN
easat-8097	109	5	adopts	adopt	VERB
easat-8097	109	6	the	the	DET
easat-8097	109	7	original	original	ADJ
easat-8097	109	8	tpb	tpb	NOUN
easat-8097	109	9	model	model	NOUN
easat-8097	109	10	to	to	PART
easat-8097	109	11	examine	examine	VERB
easat-8097	109	12	the	the	DET
easat-8097	109	13	determinants	determinant	NOUN
easat-8097	109	14	influencing	influence	VERB
easat-8097	109	15	credit	credit	NOUN
easat-8097	109	16	card	card	NOUN
easat-8097	109	17	usage	usage	NOUN
easat-8097	109	18	decisions	decision	NOUN
easat-8097	109	19	among	among	ADP
easat-8097	109	20	individual	individual	ADJ
easat-8097	109	21	customers	customer	NOUN
easat-8097	109	22	of	of	ADP
easat-8097	109	23	vietnamese	vietnamese	ADJ
easat-8097	109	24	commercial	commercial	ADJ
easat-8097	109	25	banks	bank	NOUN
easat-8097	109	26	.	.	PUNCT
easat-8097	110	1	however	however	ADV
easat-8097	110	2	,	,	PUNCT
easat-8097	110	3	through	through	ADP
easat-8097	110	4	preliminary	preliminary	ADJ
easat-8097	110	5	interviews	interview	NOUN
easat-8097	110	6	with	with	ADP
easat-8097	110	7	both	both	DET
easat-8097	110	8	banking	banking	NOUN
easat-8097	110	9	professionals	professional	NOUN
easat-8097	110	10	and	and	CCONJ
easat-8097	110	11	customers	customer	NOUN
easat-8097	110	12	,	,	PUNCT
easat-8097	110	13	three	three	NUM
easat-8097	110	14	additional	additional	ADJ
easat-8097	110	15	factors	factor	NOUN
easat-8097	110	16	emerged	emerge	VERB
easat-8097	110	17	as	as	ADP
easat-8097	110	18	particularly	particularly	ADV
easat-8097	110	19	salient	salient	NOUN
easat-8097	110	20	:	:	PUNCT
easat-8097	110	21	card	card	NOUN
easat-8097	110	22	usage	usage	NOUN
easat-8097	110	23	costs	cost	NOUN
easat-8097	110	24	,	,	PUNCT
easat-8097	110	25	card	card	NOUN
easat-8097	110	26	usage	usage	NOUN
easat-8097	110	27	convenience	convenience	NOUN
easat-8097	110	28	,	,	PUNCT
easat-8097	110	29	and	and	CCONJ
easat-8097	110	30	responsiveness	responsiveness	NOUN
easat-8097	110	31	of	of	ADP
easat-8097	110	32	the	the	DET
easat-8097	110	33	banking	banking	NOUN
easat-8097	110	34	system	system	NOUN
easat-8097	110	35	.	.	PUNCT
easat-8097	111	1	these	these	DET
easat-8097	111	2	practical	practical	ADJ
easat-8097	111	3	considerations	consideration	NOUN
easat-8097	111	4	are	be	AUX
easat-8097	111	5	supported	support	VERB
easat-8097	111	6	by	by	ADP
easat-8097	111	7	prior	prior	ADJ
easat-8097	111	8	empirical	empirical	ADJ
easat-8097	111	9	research	research	NOUN
easat-8097	111	10	.	.	PUNCT
easat-8097	112	1	for	for	ADP
easat-8097	112	2	instance	instance	NOUN
easat-8097	112	3	,	,	PUNCT
easat-8097	112	4	tran	tran	PROPN
easat-8097	112	5	and	and	CCONJ
easat-8097	112	6	trinh	trinh	PROPN
easat-8097	113	1	[	[	X
easat-8097	113	2	13	13	NUM
easat-8097	113	3	]	]	PUNCT
easat-8097	113	4	highlighted	highlight	VERB
easat-8097	113	5	the	the	DET
easat-8097	113	6	influence	influence	NOUN
easat-8097	113	7	of	of	ADP
easat-8097	113	8	card	card	NOUN
easat-8097	113	9	-	-	PUNCT
easat-8097	113	10	related	relate	VERB
easat-8097	113	11	costs	cost	NOUN
easat-8097	113	12	on	on	ADP
easat-8097	113	13	student	student	NOUN
easat-8097	113	14	decisions	decision	NOUN
easat-8097	113	15	to	to	PART
easat-8097	113	16	use	use	VERB
easat-8097	113	17	payment	payment	NOUN
easat-8097	113	18	-	-	PUNCT
easat-8097	113	19	linked	link	VERB
easat-8097	113	20	cards	card	NOUN
easat-8097	113	21	.	.	PUNCT
easat-8097	114	1	additionally	additionally	ADV
easat-8097	114	2	,	,	PUNCT
easat-8097	114	3	bui	bui	NOUN
easat-8097	114	4	,	,	PUNCT
easat-8097	114	5	et	et	PROPN
easat-8097	114	6	al	al	PROPN
easat-8097	114	7	.	.	PUNCT
easat-8097	115	1	[	[	X
easat-8097	115	2	9	9	NUM
easat-8097	115	3	]	]	PUNCT
easat-8097	115	4	underscored	underscore	VERB
easat-8097	115	5	the	the	DET
easat-8097	115	6	convenience	convenience	NOUN
easat-8097	115	7	credit	credit	NOUN
easat-8097	115	8	cards	card	NOUN
easat-8097	115	9	offer	offer	VERB
easat-8097	115	10	in	in	ADP
easat-8097	115	11	e	e	NOUN
easat-8097	115	12	-	-	NOUN
easat-8097	115	13	commerce	commerce	NOUN
easat-8097	115	14	settings	setting	NOUN
easat-8097	115	15	,	,	PUNCT
easat-8097	115	16	noting	note	VERB
easat-8097	115	17	their	their	PRON
easat-8097	115	18	role	role	NOUN
easat-8097	115	19	in	in	ADP
easat-8097	115	20	secure	secure	ADJ
easat-8097	115	21	transactions	transaction	NOUN
easat-8097	115	22	,	,	PUNCT
easat-8097	115	23	spending	spending	NOUN
easat-8097	115	24	control	control	NOUN
easat-8097	115	25	,	,	PUNCT
easat-8097	115	26	and	and	CCONJ
easat-8097	115	27	reward	reward	VERB
easat-8097	115	28	acquisition	acquisition	NOUN
easat-8097	115	29	.	.	PUNCT
easat-8097	116	1	in	in	ADP
easat-8097	116	2	light	light	NOUN
easat-8097	116	3	of	of	ADP
easat-8097	116	4	both	both	CCONJ
easat-8097	116	5	theoretical	theoretical	ADJ
easat-8097	116	6	foundations	foundation	NOUN
easat-8097	116	7	and	and	CCONJ
easat-8097	116	8	contextual	contextual	ADJ
easat-8097	116	9	findings	finding	NOUN
easat-8097	116	10	,	,	PUNCT
easat-8097	116	11	this	this	DET
easat-8097	116	12	study	study	NOUN
easat-8097	116	13	extends	extend	VERB
easat-8097	116	14	the	the	DET
easat-8097	116	15	tpb	tpb	NOUN
easat-8097	116	16	model	model	NOUN
easat-8097	116	17	by	by	ADP
easat-8097	116	18	incorporating	incorporate	VERB
easat-8097	116	19	these	these	DET
easat-8097	116	20	three	three	NUM
easat-8097	116	21	constructs	construct	NOUN
easat-8097	116	22	,	,	PUNCT
easat-8097	116	23	resulting	result	VERB
easat-8097	116	24	in	in	ADP
easat-8097	116	25	an	an	DET
easat-8097	116	26	enhanced	enhanced	ADJ
easat-8097	116	27	model	model	NOUN
easat-8097	116	28	that	that	PRON
easat-8097	116	29	better	well	ADJ
easat-8097	116	30	captures	capture	VERB
easat-8097	116	31	consumer	consumer	NOUN
easat-8097	116	32	credit	credit	NOUN
easat-8097	116	33	card	card	NOUN
easat-8097	116	34	behavior	behavior	NOUN
easat-8097	116	35	in	in	ADP
easat-8097	116	36	vietnam	vietnam	PROPN
easat-8097	116	37	's	's	PART
easat-8097	116	38	banking	banking	NOUN
easat-8097	116	39	sector	sector	NOUN
easat-8097	116	40	.	.	PUNCT
easat-8097	117	1	1219	1219	NUM
easat-8097	117	2	edelweiss	edelweiss	PROPN
easat-8097	117	3	applied	apply	VERB
easat-8097	117	4	science	science	NOUN
easat-8097	117	5	and	and	CCONJ
easat-8097	117	6	technology	technology	NOUN
easat-8097	117	7	issn	issn	PROPN
easat-8097	117	8	:	:	PUNCT
easat-8097	117	9	2576	2576	NUM
easat-8097	117	10	-	-	SYM
easat-8097	117	11	8484	8484	NUM
easat-8097	117	12	vol	vol	NOUN
easat-8097	117	13	.	.	PROPN
easat-8097	118	1	9	9	NUM
easat-8097	118	2	,	,	PUNCT
easat-8097	118	3	no	no	INTJ
easat-8097	118	4	.	.	NOUN
easat-8097	118	5	6	6	NUM
easat-8097	118	6	:	:	SYM
easat-8097	118	7	1215	1215	NUM
easat-8097	118	8	-	-	SYM
easat-8097	118	9	1232	1232	NUM
easat-8097	118	10	,	,	PUNCT
easat-8097	118	11	2025	2025	NUM
easat-8097	118	12	doi	doi	NOUN
easat-8097	118	13	:	:	PUNCT
easat-8097	118	14	10.55214/25768484.v9i6.8097	10.55214/25768484.v9i6.8097	NUM
easat-8097	118	15	©	©	PROPN
easat-8097	118	16	2025	2025	NUM
easat-8097	118	17	by	by	ADP
easat-8097	118	18	the	the	DET
easat-8097	118	19	authors	author	NOUN
easat-8097	118	20	;	;	PUNCT
easat-8097	118	21	licensee	licensee	PROPN
easat-8097	118	22	learning	learning	NOUN
easat-8097	118	23	gate	gate	NOUN
easat-8097	118	24	3.2	3.2	NUM
easat-8097	118	25	.	.	PUNCT
easat-8097	119	1	research	research	NOUN
easat-8097	119	2	hypotheses	hypothesis	NOUN
easat-8097	119	3	3.2.1	3.2.1	NUM
easat-8097	119	4	.	.	PUNCT
easat-8097	119	5	attitude	attitude	NOUN
easat-8097	119	6	toward	toward	ADP
easat-8097	119	7	card	card	NOUN
easat-8097	119	8	usage	usage	NOUN
easat-8097	119	9	attitude	attitude	NOUN
easat-8097	119	10	refers	refer	VERB
easat-8097	119	11	to	to	ADP
easat-8097	119	12	an	an	DET
easat-8097	119	13	individual	individual	NOUN
easat-8097	119	14	's	's	PART
easat-8097	119	15	overall	overall	ADJ
easat-8097	119	16	evaluation	evaluation	NOUN
easat-8097	119	17	—	—	PUNCT
easat-8097	119	18	positive	positive	ADJ
easat-8097	119	19	or	or	CCONJ
easat-8097	119	20	negative	negative	ADJ
easat-8097	119	21	—	—	PUNCT
easat-8097	119	22	regarding	regard	VERB
easat-8097	119	23	the	the	DET
easat-8097	119	24	performance	performance	NOUN
easat-8097	119	25	of	of	ADP
easat-8097	119	26	a	a	DET
easat-8097	119	27	particular	particular	ADJ
easat-8097	119	28	behavior	behavior	NOUN
easat-8097	119	29	[	[	X
easat-8097	119	30	18	18	NUM
easat-8097	119	31	]	]	PUNCT
easat-8097	119	32	.	.	PUNCT
easat-8097	120	1	in	in	ADP
easat-8097	120	2	the	the	DET
easat-8097	120	3	credit	credit	NOUN
easat-8097	120	4	card	card	NOUN
easat-8097	120	5	context	context	NOUN
easat-8097	120	6	,	,	PUNCT
easat-8097	120	7	a	a	DET
easat-8097	120	8	positive	positive	ADJ
easat-8097	120	9	attitude	attitude	NOUN
easat-8097	120	10	implies	imply	VERB
easat-8097	120	11	a	a	DET
easat-8097	120	12	belief	belief	NOUN
easat-8097	120	13	in	in	ADP
easat-8097	120	14	the	the	DET
easat-8097	120	15	card	card	NOUN
easat-8097	120	16	’s	’s	PART
easat-8097	120	17	utility	utility	NOUN
easat-8097	120	18	,	,	PUNCT
easat-8097	120	19	convenience	convenience	NOUN
easat-8097	120	20	,	,	PUNCT
easat-8097	120	21	safety	safety	NOUN
easat-8097	120	22	,	,	PUNCT
easat-8097	120	23	and	and	CCONJ
easat-8097	120	24	spending	spending	NOUN
easat-8097	120	25	flexibility	flexibility	NOUN
easat-8097	120	26	,	,	PUNCT
easat-8097	120	27	which	which	PRON
easat-8097	120	28	collectively	collectively	ADV
easat-8097	120	29	motivate	motivate	VERB
easat-8097	120	30	frequent	frequent	ADJ
easat-8097	120	31	usage	usage	NOUN
easat-8097	120	32	.	.	PUNCT
easat-8097	121	1	quan	quan	PROPN
easat-8097	121	2	and	and	CCONJ
easat-8097	121	3	nam	nam	NOUN
easat-8097	122	1	[	[	X
easat-8097	122	2	27	27	NUM
easat-8097	122	3	]	]	PUNCT
easat-8097	122	4	emphasize	emphasize	VERB
easat-8097	122	5	that	that	SCONJ
easat-8097	122	6	favorable	favorable	ADJ
easat-8097	122	7	attitudes	attitude	NOUN
easat-8097	122	8	toward	toward	ADP
easat-8097	122	9	credit	credit	NOUN
easat-8097	122	10	card	card	NOUN
easat-8097	122	11	usage	usage	NOUN
easat-8097	122	12	,	,	PUNCT
easat-8097	122	13	shaped	shape	VERB
easat-8097	122	14	by	by	ADP
easat-8097	122	15	beliefs	belief	NOUN
easat-8097	122	16	about	about	ADP
easat-8097	122	17	the	the	DET
easat-8097	122	18	benefits	benefit	NOUN
easat-8097	122	19	and	and	CCONJ
easat-8097	122	20	ease	ease	NOUN
easat-8097	122	21	of	of	ADP
easat-8097	122	22	use	use	NOUN
easat-8097	122	23	of	of	ADP
easat-8097	122	24	credit	credit	NOUN
easat-8097	122	25	cards	card	NOUN
easat-8097	122	26	,	,	PUNCT
easat-8097	122	27	play	play	VERB
easat-8097	122	28	a	a	DET
easat-8097	122	29	central	central	ADJ
easat-8097	122	30	role	role	NOUN
easat-8097	122	31	in	in	ADP
easat-8097	122	32	driving	drive	VERB
easat-8097	122	33	consumers	consumer	NOUN
easat-8097	122	34	'	'	PART
easat-8097	122	35	intention	intention	NOUN
easat-8097	122	36	to	to	PART
easat-8097	122	37	adopt	adopt	VERB
easat-8097	122	38	them	they	PRON
easat-8097	122	39	.	.	PUNCT
easat-8097	123	1	a	a	DET
easat-8097	123	2	positive	positive	ADJ
easat-8097	123	3	attitude	attitude	NOUN
easat-8097	123	4	not	not	PART
easat-8097	123	5	only	only	ADV
easat-8097	123	6	enhances	enhance	VERB
easat-8097	123	7	consumers	consumer	NOUN
easat-8097	123	8	'	'	PART
easat-8097	123	9	perception	perception	NOUN
easat-8097	123	10	of	of	ADP
easat-8097	123	11	the	the	DET
easat-8097	123	12	value	value	NOUN
easat-8097	123	13	that	that	PRON
easat-8097	123	14	credit	credit	NOUN
easat-8097	123	15	cards	card	NOUN
easat-8097	123	16	offer	offer	VERB
easat-8097	123	17	but	but	CCONJ
easat-8097	123	18	also	also	ADV
easat-8097	123	19	directly	directly	ADV
easat-8097	123	20	increases	increase	VERB
easat-8097	123	21	the	the	DET
easat-8097	123	22	likelihood	likelihood	NOUN
easat-8097	123	23	that	that	SCONJ
easat-8097	123	24	customers	customer	NOUN
easat-8097	123	25	will	will	AUX
easat-8097	123	26	decide	decide	VERB
easat-8097	123	27	to	to	PART
easat-8097	123	28	use	use	VERB
easat-8097	123	29	credit	credit	NOUN
easat-8097	123	30	cards	card	NOUN
easat-8097	123	31	in	in	ADP
easat-8097	123	32	their	their	PRON
easat-8097	123	33	everyday	everyday	ADJ
easat-8097	123	34	financial	financial	ADJ
easat-8097	123	35	transactions	transaction	NOUN
easat-8097	123	36	.	.	PUNCT
easat-8097	124	1	h1	h1	NOUN
easat-8097	124	2	:	:	PUNCT
easat-8097	124	3	attitude	attitude	NOUN
easat-8097	124	4	towards	towards	ADP
easat-8097	124	5	credit	credit	NOUN
easat-8097	124	6	card	card	NOUN
easat-8097	124	7	usage	usage	NOUN
easat-8097	124	8	behavior	behavior	NOUN
easat-8097	124	9	has	have	VERB
easat-8097	124	10	a	a	DET
easat-8097	124	11	positive	positive	ADJ
easat-8097	124	12	impact	impact	NOUN
easat-8097	124	13	on	on	ADP
easat-8097	124	14	the	the	DET
easat-8097	124	15	credit	credit	NOUN
easat-8097	124	16	card	card	NOUN
easat-8097	124	17	usage	usage	NOUN
easat-8097	124	18	decision	decision	NOUN
easat-8097	124	19	of	of	ADP
easat-8097	124	20	individual	individual	ADJ
easat-8097	124	21	customers	customer	NOUN
easat-8097	124	22	at	at	ADP
easat-8097	124	23	vietnamese	vietnamese	ADJ
easat-8097	124	24	commercial	commercial	ADJ
easat-8097	124	25	banks	bank	NOUN
easat-8097	124	26	.	.	PUNCT
easat-8097	125	1	3.2.2	3.2.2	NUM
easat-8097	125	2	.	.	PUNCT
easat-8097	125	3	subjective	subjective	ADJ
easat-8097	125	4	norm	norm	NOUN
easat-8097	125	5	subjective	subjective	ADJ
easat-8097	125	6	norm	norm	NOUN
easat-8097	125	7	captures	capture	VERB
easat-8097	125	8	the	the	DET
easat-8097	125	9	perceived	perceive	VERB
easat-8097	125	10	social	social	ADJ
easat-8097	125	11	pressure	pressure	NOUN
easat-8097	125	12	from	from	ADP
easat-8097	125	13	important	important	ADJ
easat-8097	125	14	referents	referent	NOUN
easat-8097	125	15	—	—	PUNCT
easat-8097	125	16	such	such	ADJ
easat-8097	125	17	as	as	ADP
easat-8097	125	18	family	family	NOUN
easat-8097	125	19	,	,	PUNCT
easat-8097	125	20	friends	friend	NOUN
easat-8097	125	21	,	,	PUNCT
easat-8097	125	22	colleagues	colleague	NOUN
easat-8097	125	23	,	,	PUNCT
easat-8097	125	24	or	or	CCONJ
easat-8097	125	25	even	even	ADV
easat-8097	125	26	the	the	DET
easat-8097	125	27	media	medium	NOUN
easat-8097	125	28	—	—	PUNCT
easat-8097	125	29	on	on	ADP
easat-8097	125	30	whether	whether	SCONJ
easat-8097	125	31	one	one	PRON
easat-8097	125	32	should	should	AUX
easat-8097	125	33	engage	engage	VERB
easat-8097	125	34	in	in	ADP
easat-8097	125	35	a	a	DET
easat-8097	125	36	particular	particular	ADJ
easat-8097	125	37	behavior	behavior	NOUN
easat-8097	125	38	ajzen	ajzen	NOUN
easat-8097	125	39	[	[	X
easat-8097	125	40	18	18	NUM
easat-8097	125	41	]	]	PUNCT
easat-8097	125	42	.	.	PUNCT
easat-8097	126	1	trinh	trinh	PROPN
easat-8097	126	2	and	and	CCONJ
easat-8097	126	3	tran	tran	PROPN
easat-8097	127	1	[	[	X
easat-8097	127	2	6	6	NUM
easat-8097	127	3	]	]	PUNCT
easat-8097	127	4	confirmed	confirm	VERB
easat-8097	127	5	that	that	SCONJ
easat-8097	127	6	in	in	ADP
easat-8097	127	7	the	the	DET
easat-8097	127	8	vietnamese	vietnamese	ADJ
easat-8097	127	9	market	market	NOUN
easat-8097	127	10	,	,	PUNCT
easat-8097	127	11	subjective	subjective	ADJ
easat-8097	127	12	norms	norm	NOUN
easat-8097	127	13	significantly	significantly	ADV
easat-8097	127	14	influence	influence	VERB
easat-8097	127	15	customers	customer	NOUN
easat-8097	127	16	’	'	PUNCT
easat-8097	127	17	intentions	intention	NOUN
easat-8097	127	18	to	to	PART
easat-8097	127	19	use	use	VERB
easat-8097	127	20	credit	credit	NOUN
easat-8097	127	21	cards	card	NOUN
easat-8097	127	22	.	.	PUNCT
easat-8097	128	1	their	their	PRON
easat-8097	128	2	findings	finding	NOUN
easat-8097	128	3	highlight	highlight	VERB
easat-8097	128	4	that	that	SCONJ
easat-8097	128	5	vietnamese	vietnamese	ADJ
easat-8097	128	6	consumers	consumer	NOUN
easat-8097	128	7	who	who	PRON
easat-8097	128	8	often	often	ADV
easat-8097	128	9	value	value	VERB
easat-8097	128	10	social	social	ADJ
easat-8097	128	11	relationships	relationship	NOUN
easat-8097	128	12	and	and	CCONJ
easat-8097	128	13	community	community	NOUN
easat-8097	128	14	consensus	consensus	NOUN
easat-8097	128	15	,	,	PUNCT
easat-8097	128	16	are	be	AUX
easat-8097	128	17	highly	highly	ADV
easat-8097	128	18	responsive	responsive	ADJ
easat-8097	128	19	to	to	ADP
easat-8097	128	20	social	social	ADJ
easat-8097	128	21	endorsement	endorsement	NOUN
easat-8097	128	22	when	when	SCONJ
easat-8097	128	23	considering	consider	VERB
easat-8097	128	24	new	new	ADJ
easat-8097	128	25	financial	financial	ADJ
easat-8097	128	26	products	product	NOUN
easat-8097	128	27	.	.	PUNCT
easat-8097	129	1	if	if	SCONJ
easat-8097	129	2	credit	credit	NOUN
easat-8097	129	3	card	card	NOUN
easat-8097	129	4	usage	usage	NOUN
easat-8097	129	5	is	be	AUX
easat-8097	129	6	perceived	perceive	VERB
easat-8097	129	7	as	as	ADP
easat-8097	129	8	widely	widely	ADV
easat-8097	129	9	accepted	accept	VERB
easat-8097	129	10	and	and	CCONJ
easat-8097	129	11	encouraged	encourage	VERB
easat-8097	129	12	by	by	ADP
easat-8097	129	13	peers	peer	NOUN
easat-8097	129	14	and	and	CCONJ
easat-8097	129	15	family	family	NOUN
easat-8097	129	16	,	,	PUNCT
easat-8097	129	17	individual	individual	ADJ
easat-8097	129	18	customers	customer	NOUN
easat-8097	129	19	are	be	AUX
easat-8097	129	20	more	more	ADV
easat-8097	129	21	likely	likely	ADJ
easat-8097	129	22	to	to	PART
easat-8097	129	23	view	view	VERB
easat-8097	129	24	it	it	PRON
easat-8097	129	25	positively	positively	ADV
easat-8097	129	26	and	and	CCONJ
easat-8097	129	27	develop	develop	VERB
easat-8097	129	28	a	a	DET
easat-8097	129	29	stronger	strong	ADJ
easat-8097	129	30	intention	intention	NOUN
easat-8097	129	31	to	to	PART
easat-8097	129	32	adopt	adopt	VERB
easat-8097	129	33	credit	credit	NOUN
easat-8097	129	34	cards	card	NOUN
easat-8097	129	35	.	.	PUNCT
easat-8097	130	1	h2	h2	NOUN
easat-8097	130	2	:	:	PUNCT
easat-8097	130	3	subjective	subjective	ADJ
easat-8097	130	4	norm	norm	NOUN
easat-8097	130	5	has	have	VERB
easat-8097	130	6	a	a	DET
easat-8097	130	7	positive	positive	ADJ
easat-8097	130	8	impact	impact	NOUN
easat-8097	130	9	on	on	ADP
easat-8097	130	10	the	the	DET
easat-8097	130	11	credit	credit	NOUN
easat-8097	130	12	card	card	NOUN
easat-8097	130	13	usage	usage	NOUN
easat-8097	130	14	decision	decision	NOUN
easat-8097	130	15	of	of	ADP
easat-8097	130	16	individual	individual	ADJ
easat-8097	130	17	customers	customer	NOUN
easat-8097	130	18	at	at	ADP
easat-8097	130	19	vietnamese	vietnamese	ADJ
easat-8097	130	20	commercial	commercial	ADJ
easat-8097	130	21	banks	bank	NOUN
easat-8097	130	22	.	.	PUNCT
easat-8097	131	1	3.2.3	3.2.3	X
easat-8097	131	2	.	.	PUNCT
easat-8097	131	3	perceived	perceive	VERB
easat-8097	131	4	behavioral	behavioral	ADJ
easat-8097	131	5	control	control	NOUN
easat-8097	131	6	perceived	perceive	VERB
easat-8097	131	7	behavioral	behavioral	ADJ
easat-8097	131	8	control	control	NOUN
easat-8097	131	9	(	(	PUNCT
easat-8097	131	10	pbc	pbc	PROPN
easat-8097	131	11	)	)	PUNCT
easat-8097	131	12	refers	refer	VERB
easat-8097	131	13	to	to	ADP
easat-8097	131	14	an	an	DET
easat-8097	131	15	individual	individual	NOUN
easat-8097	131	16	’s	’s	PART
easat-8097	131	17	assessment	assessment	NOUN
easat-8097	131	18	of	of	ADP
easat-8097	131	19	the	the	DET
easat-8097	131	20	ease	ease	NOUN
easat-8097	131	21	or	or	CCONJ
easat-8097	131	22	difficulty	difficulty	NOUN
easat-8097	131	23	associated	associate	VERB
easat-8097	131	24	with	with	ADP
easat-8097	131	25	performing	perform	VERB
easat-8097	131	26	a	a	DET
easat-8097	131	27	behavior	behavior	NOUN
easat-8097	131	28	,	,	PUNCT
easat-8097	131	29	often	often	ADV
easat-8097	131	30	influenced	influence	VERB
easat-8097	131	31	by	by	ADP
easat-8097	131	32	financial	financial	ADJ
easat-8097	131	33	and	and	CCONJ
easat-8097	131	34	contextual	contextual	ADJ
easat-8097	131	35	constraints	constraint	NOUN
easat-8097	131	36	[	[	X
easat-8097	131	37	18	18	NUM
easat-8097	131	38	]	]	PUNCT
easat-8097	131	39	.	.	PUNCT
easat-8097	132	1	tran	tran	PROPN
easat-8097	132	2	and	and	CCONJ
easat-8097	132	3	trinh	trinh	PROPN
easat-8097	133	1	[	[	X
easat-8097	133	2	13	13	NUM
easat-8097	133	3	]	]	PUNCT
easat-8097	133	4	demonstrated	demonstrate	VERB
easat-8097	133	5	that	that	SCONJ
easat-8097	133	6	financial	financial	ADJ
easat-8097	133	7	considerations	consideration	NOUN
easat-8097	133	8	,	,	PUNCT
easat-8097	133	9	including	include	VERB
easat-8097	133	10	card	card	NOUN
easat-8097	133	11	usage	usage	NOUN
easat-8097	133	12	costs	cost	NOUN
easat-8097	133	13	,	,	PUNCT
easat-8097	133	14	significantly	significantly	ADV
easat-8097	133	15	affect	affect	VERB
easat-8097	133	16	payment	payment	NOUN
easat-8097	133	17	card	card	NOUN
easat-8097	133	18	adoption	adoption	NOUN
easat-8097	133	19	.	.	PUNCT
easat-8097	134	1	thus	thus	ADV
easat-8097	134	2	,	,	PUNCT
easat-8097	134	3	when	when	SCONJ
easat-8097	134	4	users	user	NOUN
easat-8097	134	5	feel	feel	VERB
easat-8097	134	6	financially	financially	ADV
easat-8097	134	7	capable	capable	ADJ
easat-8097	134	8	and	and	CCONJ
easat-8097	134	9	perceive	perceive	ADJ
easat-8097	134	10	fewer	few	ADJ
easat-8097	134	11	barriers	barrier	NOUN
easat-8097	134	12	,	,	PUNCT
easat-8097	134	13	their	their	PRON
easat-8097	134	14	likelihood	likelihood	NOUN
easat-8097	134	15	of	of	ADP
easat-8097	134	16	using	use	VERB
easat-8097	134	17	a	a	DET
easat-8097	134	18	credit	credit	NOUN
easat-8097	134	19	card	card	NOUN
easat-8097	134	20	increases	increase	NOUN
easat-8097	134	21	.	.	PUNCT
easat-8097	135	1	h3	h3	NOUN
easat-8097	135	2	:	:	PUNCT
easat-8097	135	3	perceived	perceive	VERB
easat-8097	135	4	control	control	NOUN
easat-8097	135	5	over	over	ADP
easat-8097	135	6	card	card	NOUN
easat-8097	135	7	usage	usage	NOUN
easat-8097	135	8	behavior	behavior	NOUN
easat-8097	135	9	has	have	VERB
easat-8097	135	10	a	a	DET
easat-8097	135	11	positive	positive	ADJ
easat-8097	135	12	impact	impact	NOUN
easat-8097	135	13	on	on	ADP
easat-8097	135	14	the	the	DET
easat-8097	135	15	credit	credit	NOUN
easat-8097	135	16	card	card	NOUN
easat-8097	135	17	usage	usage	NOUN
easat-8097	135	18	decision	decision	NOUN
easat-8097	135	19	of	of	ADP
easat-8097	135	20	individual	individual	ADJ
easat-8097	135	21	customers	customer	NOUN
easat-8097	135	22	at	at	ADP
easat-8097	135	23	vietnamese	vietnamese	ADJ
easat-8097	135	24	commercial	commercial	ADJ
easat-8097	135	25	banks	bank	NOUN
easat-8097	135	26	.	.	PUNCT
easat-8097	136	1	3.2.4	3.2.4	NUM
easat-8097	136	2	.	.	PUNCT
easat-8097	136	3	card	card	NOUN
easat-8097	136	4	usage	usage	NOUN
easat-8097	136	5	costs	cost	NOUN
easat-8097	136	6	credit	credit	NOUN
easat-8097	136	7	card	card	NOUN
easat-8097	136	8	usage	usage	NOUN
easat-8097	136	9	entails	entail	VERB
easat-8097	136	10	various	various	ADJ
easat-8097	136	11	fees	fee	NOUN
easat-8097	136	12	—	—	PUNCT
easat-8097	136	13	annual	annual	ADJ
easat-8097	136	14	maintenance	maintenance	NOUN
easat-8097	136	15	,	,	PUNCT
easat-8097	136	16	interest	interest	NOUN
easat-8097	136	17	on	on	ADP
easat-8097	136	18	unpaid	unpaid	ADJ
easat-8097	136	19	balances	balance	NOUN
easat-8097	136	20	,	,	PUNCT
easat-8097	136	21	atm	atm	NOUN
easat-8097	136	22	withdrawals	withdrawal	NOUN
easat-8097	136	23	,	,	PUNCT
easat-8097	136	24	late	late	ADJ
easat-8097	136	25	payments	payment	NOUN
easat-8097	136	26	,	,	PUNCT
easat-8097	136	27	and	and	CCONJ
easat-8097	136	28	international	international	ADJ
easat-8097	136	29	transaction	transaction	NOUN
easat-8097	136	30	charges	charge	NOUN
easat-8097	136	31	—	—	PUNCT
easat-8097	136	32	all	all	PRON
easat-8097	136	33	of	of	ADP
easat-8097	136	34	which	which	PRON
easat-8097	136	35	shape	shape	NOUN
easat-8097	136	36	perceived	perceive	VERB
easat-8097	136	37	affordability	affordability	NOUN
easat-8097	136	38	.	.	PUNCT
easat-8097	137	1	concerns	concern	NOUN
easat-8097	137	2	about	about	ADP
easat-8097	137	3	interest	interest	NOUN
easat-8097	137	4	rates	rate	NOUN
easat-8097	137	5	and	and	CCONJ
easat-8097	137	6	fees	fee	NOUN
easat-8097	137	7	often	often	ADV
easat-8097	137	8	make	make	VERB
easat-8097	137	9	consumers	consumer	NOUN
easat-8097	137	10	hesitant	hesitant	ADJ
easat-8097	137	11	to	to	PART
easat-8097	137	12	adopt	adopt	VERB
easat-8097	137	13	credit	credit	NOUN
easat-8097	137	14	cards	card	NOUN
easat-8097	137	15	;	;	PUNCT
easat-8097	137	16	however	however	ADV
easat-8097	137	17	,	,	PUNCT
easat-8097	137	18	phan	phan	PROPN
easat-8097	137	19	,	,	PUNCT
easat-8097	137	20	et	et	PROPN
easat-8097	137	21	al	al	PROPN
easat-8097	137	22	.	.	PUNCT
easat-8097	138	1	[	[	X
easat-8097	138	2	28	28	NUM
easat-8097	138	3	]	]	PUNCT
easat-8097	138	4	suggested	suggest	VERB
easat-8097	138	5	that	that	SCONJ
easat-8097	138	6	improved	improve	VERB
easat-8097	138	7	understanding	understanding	NOUN
easat-8097	138	8	of	of	ADP
easat-8097	138	9	credit	credit	NOUN
easat-8097	138	10	mechanisms	mechanism	NOUN
easat-8097	138	11	can	can	AUX
easat-8097	138	12	ease	ease	VERB
easat-8097	138	13	these	these	DET
easat-8097	138	14	worries	worry	NOUN
easat-8097	138	15	and	and	CCONJ
easat-8097	138	16	boost	boost	VERB
easat-8097	138	17	usage	usage	NOUN
easat-8097	138	18	intention	intention	NOUN
easat-8097	138	19	.	.	PUNCT
easat-8097	139	1	h4	h4	NOUN
easat-8097	139	2	:	:	PUNCT
easat-8097	139	3	card	card	NOUN
easat-8097	139	4	usage	usage	NOUN
easat-8097	139	5	costs	cost	NOUN
easat-8097	139	6	have	have	VERB
easat-8097	139	7	a	a	DET
easat-8097	139	8	positive	positive	ADJ
easat-8097	139	9	impact	impact	NOUN
easat-8097	139	10	on	on	ADP
easat-8097	139	11	the	the	DET
easat-8097	139	12	credit	credit	NOUN
easat-8097	139	13	card	card	NOUN
easat-8097	139	14	usage	usage	NOUN
easat-8097	139	15	decision	decision	NOUN
easat-8097	139	16	of	of	ADP
easat-8097	139	17	individual	individual	ADJ
easat-8097	139	18	customers	customer	NOUN
easat-8097	139	19	at	at	ADP
easat-8097	139	20	vietnamese	vietnamese	ADJ
easat-8097	139	21	commercial	commercial	ADJ
easat-8097	139	22	banks	bank	NOUN
easat-8097	139	23	.	.	PUNCT
easat-8097	140	1	3.2.5	3.2.5	NUM
easat-8097	140	2	.	.	PUNCT
easat-8097	140	3	credit	credit	NOUN
easat-8097	140	4	card	card	NOUN
easat-8097	140	5	usage	usage	NOUN
easat-8097	140	6	convenience	convenience	NOUN
easat-8097	140	7	convenience	convenience	NOUN
easat-8097	140	8	is	be	AUX
easat-8097	140	9	a	a	DET
easat-8097	140	10	key	key	ADJ
easat-8097	140	11	determinant	determinant	ADJ
easat-8097	140	12	in	in	ADP
easat-8097	140	13	the	the	DET
easat-8097	140	14	adoption	adoption	NOUN
easat-8097	140	15	of	of	ADP
easat-8097	140	16	financial	financial	ADJ
easat-8097	140	17	technologies	technology	NOUN
easat-8097	140	18	.	.	PUNCT
easat-8097	141	1	bui	bui	PROPN
easat-8097	141	2	,	,	PUNCT
easat-8097	141	3	et	et	PROPN
easat-8097	141	4	al	al	PROPN
easat-8097	141	5	.	.	PUNCT
easat-8097	142	1	[	[	X
easat-8097	142	2	9	9	NUM
easat-8097	142	3	]	]	PUNCT
easat-8097	142	4	found	find	VERB
easat-8097	142	5	that	that	SCONJ
easat-8097	142	6	customers	customer	NOUN
easat-8097	142	7	value	value	VERB
easat-8097	142	8	features	feature	VERB
easat-8097	142	9	such	such	ADJ
easat-8097	142	10	as	as	ADP
easat-8097	142	11	ease	ease	NOUN
easat-8097	142	12	of	of	ADP
easat-8097	142	13	use	use	NOUN
easat-8097	142	14	,	,	PUNCT
easat-8097	142	15	transaction	transaction	NOUN
easat-8097	142	16	speed	speed	NOUN
easat-8097	142	17	,	,	PUNCT
easat-8097	142	18	and	and	CCONJ
easat-8097	142	19	digital	digital	ADJ
easat-8097	142	20	access	access	NOUN
easat-8097	142	21	.	.	PUNCT
easat-8097	143	1	according	accord	VERB
easat-8097	143	2	to	to	ADP
easat-8097	143	3	trinh	trinh	PROPN
easat-8097	143	4	,	,	PUNCT
easat-8097	143	5	et	et	PROPN
easat-8097	143	6	al	al	PROPN
easat-8097	143	7	.	.	PUNCT
easat-8097	144	1	[	[	X
easat-8097	144	2	29	29	NUM
easat-8097	144	3	]	]	PUNCT
easat-8097	144	4	although	although	SCONJ
easat-8097	144	5	consumers	consumer	NOUN
easat-8097	144	6	may	may	AUX
easat-8097	144	7	perceive	perceive	VERB
easat-8097	144	8	certain	certain	ADJ
easat-8097	144	9	risks	risk	NOUN
easat-8097	144	10	associated	associate	VERB
easat-8097	144	11	with	with	ADP
easat-8097	144	12	credit	credit	NOUN
easat-8097	144	13	cards	card	NOUN
easat-8097	144	14	,	,	PUNCT
easat-8097	144	15	such	such	ADJ
easat-8097	144	16	as	as	ADP
easat-8097	144	17	credit	credit	NOUN
easat-8097	144	18	risk	risk	NOUN
easat-8097	144	19	or	or	CCONJ
easat-8097	144	20	payment	payment	NOUN
easat-8097	144	21	risk	risk	NOUN
easat-8097	144	22	,	,	PUNCT
easat-8097	144	23	factors	factor	NOUN
easat-8097	144	24	like	like	ADP
easat-8097	144	25	ease	ease	NOUN
easat-8097	144	26	of	of	ADP
easat-8097	144	27	use	use	NOUN
easat-8097	144	28	and	and	CCONJ
easat-8097	144	29	perceived	perceive	VERB
easat-8097	144	30	usefulness	usefulness	NOUN
easat-8097	144	31	can	can	AUX
easat-8097	144	32	mitigate	mitigate	VERB
easat-8097	144	33	these	these	DET
easat-8097	144	34	concerns	concern	NOUN
easat-8097	144	35	,	,	PUNCT
easat-8097	144	36	thereby	thereby	ADV
easat-8097	144	37	enhancing	enhance	VERB
easat-8097	144	38	their	their	PRON
easat-8097	144	39	intention	intention	NOUN
easat-8097	144	40	to	to	PART
easat-8097	144	41	use	use	VERB
easat-8097	144	42	credit	credit	NOUN
easat-8097	144	43	cards	card	NOUN
easat-8097	144	44	.	.	PUNCT
easat-8097	145	1	when	when	SCONJ
easat-8097	145	2	customers	customer	NOUN
easat-8097	145	3	perceive	perceive	VERB
easat-8097	145	4	credit	credit	NOUN
easat-8097	145	5	cards	card	NOUN
easat-8097	145	6	as	as	ADP
easat-8097	145	7	easy	easy	ADJ
easat-8097	145	8	,	,	PUNCT
easat-8097	145	9	quick	quick	ADJ
easat-8097	145	10	,	,	PUNCT
easat-8097	145	11	and	and	CCONJ
easat-8097	145	12	convenient	convenient	ADJ
easat-8097	145	13	tools	tool	NOUN
easat-8097	145	14	for	for	ADP
easat-8097	145	15	everyday	everyday	ADJ
easat-8097	145	16	transactions	transaction	NOUN
easat-8097	145	17	,	,	PUNCT
easat-8097	145	18	psychological	psychological	ADJ
easat-8097	145	19	barriers	barrier	NOUN
easat-8097	145	20	are	be	AUX
easat-8097	145	21	reduced	reduce	VERB
easat-8097	145	22	,	,	PUNCT
easat-8097	145	23	making	make	VERB
easat-8097	145	24	them	they	PRON
easat-8097	145	25	1220	1220	NUM
easat-8097	145	26	edelweiss	edelweiss	PROPN
easat-8097	145	27	applied	apply	VERB
easat-8097	145	28	science	science	NOUN
easat-8097	145	29	and	and	CCONJ
easat-8097	145	30	technology	technology	NOUN
easat-8097	145	31	issn	issn	PROPN
easat-8097	145	32	:	:	PUNCT
easat-8097	145	33	2576	2576	NUM
easat-8097	145	34	-	-	SYM
easat-8097	145	35	8484	8484	NUM
easat-8097	145	36	vol	vol	NOUN
easat-8097	145	37	.	.	PROPN
easat-8097	146	1	9	9	NUM
easat-8097	146	2	,	,	PUNCT
easat-8097	146	3	no	no	INTJ
easat-8097	146	4	.	.	NOUN
easat-8097	146	5	6	6	NUM
easat-8097	146	6	:	:	SYM
easat-8097	146	7	1215	1215	NUM
easat-8097	146	8	-	-	SYM
easat-8097	146	9	1232	1232	NUM
easat-8097	146	10	,	,	PUNCT
easat-8097	146	11	2025	2025	NUM
easat-8097	146	12	doi	doi	NOUN
easat-8097	146	13	:	:	PUNCT
easat-8097	146	14	10.55214/25768484.v9i6.8097	10.55214/25768484.v9i6.8097	NUM
easat-8097	146	15	©	©	PROPN
easat-8097	146	16	2025	2025	NUM
easat-8097	146	17	by	by	ADP
easat-8097	146	18	the	the	DET
easat-8097	146	19	authors	author	NOUN
easat-8097	146	20	;	;	PUNCT
easat-8097	146	21	licensee	licensee	PROPN
easat-8097	146	22	learning	learning	NOUN
easat-8097	146	23	gate	gate	VERB
easat-8097	146	24	more	more	ADV
easat-8097	146	25	willing	willing	ADJ
easat-8097	146	26	to	to	PART
easat-8097	146	27	adopt	adopt	VERB
easat-8097	146	28	and	and	CCONJ
easat-8097	146	29	use	use	VERB
easat-8097	146	30	credit	credit	NOUN
easat-8097	146	31	cards	card	NOUN
easat-8097	146	32	.	.	PUNCT
easat-8097	147	1	moreover	moreover	ADV
easat-8097	147	2	,	,	PUNCT
easat-8097	147	3	in	in	ADP
easat-8097	147	4	the	the	DET
easat-8097	147	5	context	context	NOUN
easat-8097	147	6	of	of	ADP
easat-8097	147	7	rapid	rapid	ADJ
easat-8097	147	8	digital	digital	ADJ
easat-8097	147	9	transformation	transformation	NOUN
easat-8097	147	10	in	in	ADP
easat-8097	147	11	vietnam	vietnam	PROPN
easat-8097	147	12	,	,	PUNCT
easat-8097	147	13	the	the	DET
easat-8097	147	14	convenience	convenience	NOUN
easat-8097	147	15	of	of	ADP
easat-8097	147	16	electronic	electronic	ADJ
easat-8097	147	17	transactions	transaction	NOUN
easat-8097	147	18	and	and	CCONJ
easat-8097	147	19	the	the	DET
easat-8097	147	20	integration	integration	NOUN
easat-8097	147	21	of	of	ADP
easat-8097	147	22	credit	credit	NOUN
easat-8097	147	23	cards	card	NOUN
easat-8097	147	24	with	with	ADP
easat-8097	147	25	various	various	ADJ
easat-8097	147	26	services	service	NOUN
easat-8097	147	27	(	(	PUNCT
easat-8097	147	28	such	such	ADJ
easat-8097	147	29	as	as	ADP
easat-8097	147	30	e	e	NOUN
easat-8097	147	31	-	-	NOUN
easat-8097	147	32	wallets	wallet	NOUN
easat-8097	147	33	and	and	CCONJ
easat-8097	147	34	contactless	contactless	NOUN
easat-8097	147	35	payments	payment	NOUN
easat-8097	147	36	)	)	PUNCT
easat-8097	147	37	have	have	AUX
easat-8097	147	38	made	make	VERB
easat-8097	147	39	credit	credit	NOUN
easat-8097	147	40	cards	card	NOUN
easat-8097	147	41	an	an	DET
easat-8097	147	42	even	even	ADV
easat-8097	147	43	more	more	ADV
easat-8097	147	44	attractive	attractive	ADJ
easat-8097	147	45	payment	payment	NOUN
easat-8097	147	46	method	method	NOUN
easat-8097	147	47	.	.	PUNCT
easat-8097	148	1	convenience	convenience	NOUN
easat-8097	148	2	not	not	PART
easat-8097	148	3	only	only	ADV
easat-8097	148	4	helps	help	VERB
easat-8097	148	5	customers	customer	NOUN
easat-8097	148	6	save	save	VERB
easat-8097	148	7	time	time	NOUN
easat-8097	148	8	and	and	CCONJ
easat-8097	148	9	effort	effort	NOUN
easat-8097	148	10	but	but	CCONJ
easat-8097	148	11	also	also	ADV
easat-8097	148	12	enhances	enhance	VERB
easat-8097	148	13	positive	positive	ADJ
easat-8097	148	14	user	user	NOUN
easat-8097	148	15	experiences	experience	NOUN
easat-8097	148	16	,	,	PUNCT
easat-8097	148	17	thereby	thereby	ADV
easat-8097	148	18	reinforcing	reinforce	VERB
easat-8097	148	19	their	their	PRON
easat-8097	148	20	decision	decision	NOUN
easat-8097	148	21	to	to	PART
easat-8097	148	22	use	use	VERB
easat-8097	148	23	credit	credit	NOUN
easat-8097	148	24	cards	card	NOUN
easat-8097	148	25	.	.	PUNCT
easat-8097	149	1	h5	h5	NOUN
easat-8097	149	2	:	:	PUNCT
easat-8097	149	3	card	card	NOUN
easat-8097	149	4	usage	usage	NOUN
easat-8097	149	5	convenience	convenience	NOUN
easat-8097	149	6	has	have	VERB
easat-8097	149	7	a	a	DET
easat-8097	149	8	positive	positive	ADJ
easat-8097	149	9	impact	impact	NOUN
easat-8097	149	10	on	on	ADP
easat-8097	149	11	the	the	DET
easat-8097	149	12	credit	credit	NOUN
easat-8097	149	13	card	card	NOUN
easat-8097	149	14	usage	usage	NOUN
easat-8097	149	15	decision	decision	NOUN
easat-8097	149	16	of	of	ADP
easat-8097	149	17	individual	individual	ADJ
easat-8097	149	18	customers	customer	NOUN
easat-8097	149	19	at	at	ADP
easat-8097	149	20	vietnamese	vietnamese	ADJ
easat-8097	149	21	commercial	commercial	ADJ
easat-8097	149	22	banks	bank	NOUN
easat-8097	149	23	.	.	PUNCT
easat-8097	150	1	3.2.6	3.2.6	NUM
easat-8097	150	2	.	.	PUNCT
easat-8097	150	3	responsiveness	responsiveness	NOUN
easat-8097	150	4	of	of	ADP
easat-8097	150	5	the	the	DET
easat-8097	150	6	banking	banking	NOUN
easat-8097	150	7	system	system	NOUN
easat-8097	150	8	bank	bank	NOUN
easat-8097	150	9	system	system	NOUN
easat-8097	150	10	responsiveness	responsiveness	NOUN
easat-8097	150	11	denotes	denote	VERB
easat-8097	150	12	the	the	DET
easat-8097	150	13	speed	speed	NOUN
easat-8097	150	14	,	,	PUNCT
easat-8097	150	15	efficiency	efficiency	NOUN
easat-8097	150	16	,	,	PUNCT
easat-8097	150	17	and	and	CCONJ
easat-8097	150	18	reliability	reliability	NOUN
easat-8097	150	19	with	with	ADP
easat-8097	150	20	which	which	PRON
easat-8097	150	21	banks	bank	NOUN
easat-8097	150	22	handle	handle	VERB
easat-8097	150	23	card	card	NOUN
easat-8097	150	24	-	-	PUNCT
easat-8097	150	25	related	relate	VERB
easat-8097	150	26	services	service	NOUN
easat-8097	150	27	.	.	PUNCT
easat-8097	151	1	nguyen	nguyen	NOUN
easat-8097	151	2	and	and	CCONJ
easat-8097	151	3	truong	truong	PROPN
easat-8097	152	1	[	[	X
easat-8097	152	2	30	30	NUM
easat-8097	152	3	]	]	PUNCT
easat-8097	152	4	and	and	CCONJ
easat-8097	152	5	nguyen	nguyen	NOUN
easat-8097	153	1	[	[	X
easat-8097	153	2	31	31	NUM
easat-8097	153	3	]	]	PUNCT
easat-8097	153	4	emphasized	emphasize	VERB
easat-8097	153	5	that	that	SCONJ
easat-8097	153	6	fast	fast	ADJ
easat-8097	153	7	,	,	PUNCT
easat-8097	153	8	reliable	reliable	ADJ
easat-8097	153	9	service	service	NOUN
easat-8097	153	10	delivery	delivery	NOUN
easat-8097	153	11	enhances	enhance	VERB
easat-8097	153	12	user	user	NOUN
easat-8097	153	13	trust	trust	NOUN
easat-8097	153	14	and	and	CCONJ
easat-8097	153	15	encourages	encourage	VERB
easat-8097	153	16	card	card	NOUN
easat-8097	153	17	adoption	adoption	NOUN
easat-8097	153	18	.	.	PUNCT
easat-8097	154	1	conversely	conversely	ADV
easat-8097	154	2	,	,	PUNCT
easat-8097	154	3	poor	poor	ADJ
easat-8097	154	4	responsiveness	responsiveness	NOUN
easat-8097	154	5	can	can	AUX
easat-8097	154	6	deter	deter	VERB
easat-8097	154	7	customers	customer	NOUN
easat-8097	154	8	and	and	CCONJ
easat-8097	154	9	negatively	negatively	ADV
easat-8097	154	10	affect	affect	VERB
easat-8097	154	11	usage	usage	NOUN
easat-8097	154	12	intentions	intention	NOUN
easat-8097	154	13	.	.	PUNCT
easat-8097	155	1	h6	h6	NOUN
easat-8097	155	2	:	:	PUNCT
easat-8097	155	3	responsiveness	responsiveness	NOUN
easat-8097	155	4	of	of	ADP
easat-8097	155	5	the	the	DET
easat-8097	155	6	banking	banking	NOUN
easat-8097	155	7	system	system	NOUN
easat-8097	155	8	has	have	VERB
easat-8097	155	9	a	a	DET
easat-8097	155	10	positive	positive	ADJ
easat-8097	155	11	impact	impact	NOUN
easat-8097	155	12	on	on	ADP
easat-8097	155	13	the	the	DET
easat-8097	155	14	credit	credit	NOUN
easat-8097	155	15	card	card	NOUN
easat-8097	155	16	usage	usage	NOUN
easat-8097	155	17	decision	decision	NOUN
easat-8097	155	18	of	of	ADP
easat-8097	155	19	individual	individual	ADJ
easat-8097	155	20	customers	customer	NOUN
easat-8097	155	21	at	at	ADP
easat-8097	155	22	vietnamese	vietnamese	ADJ
easat-8097	155	23	commercial	commercial	ADJ
easat-8097	155	24	banks	bank	NOUN
easat-8097	155	25	.	.	PUNCT
easat-8097	156	1	the	the	DET
easat-8097	156	2	complete	complete	ADJ
easat-8097	156	3	research	research	NOUN
easat-8097	156	4	model	model	NOUN
easat-8097	156	5	is	be	AUX
easat-8097	156	6	illustrated	illustrate	VERB
easat-8097	156	7	in	in	ADP
easat-8097	156	8	figure	figure	NOUN
easat-8097	156	9	1	1	NUM
easat-8097	156	10	.	.	PUNCT
easat-8097	157	1	figure	figure	NOUN
easat-8097	157	2	1	1	NUM
easat-8097	157	3	.	.	PUNCT
easat-8097	158	1	the	the	DET
easat-8097	158	2	proposed	propose	VERB
easat-8097	158	3	research	research	NOUN
easat-8097	158	4	model	model	NOUN
easat-8097	158	5	.	.	PUNCT
easat-8097	159	1	3.3	3.3	NUM
easat-8097	159	2	.	.	PUNCT
easat-8097	159	3	methodology	methodology	NOUN
easat-8097	159	4	building	build	VERB
easat-8097	159	5	on	on	ADP
easat-8097	159	6	the	the	DET
easat-8097	159	7	extended	extended	ADJ
easat-8097	159	8	tpb	tpb	NOUN
easat-8097	159	9	framework	framework	NOUN
easat-8097	159	10	,	,	PUNCT
easat-8097	159	11	a	a	DET
easat-8097	159	12	structured	structured	ADJ
easat-8097	159	13	questionnaire	questionnaire	NOUN
easat-8097	159	14	was	be	AUX
easat-8097	159	15	developed	develop	VERB
easat-8097	159	16	to	to	PART
easat-8097	159	17	measure	measure	VERB
easat-8097	159	18	seven	seven	NUM
easat-8097	159	19	primary	primary	ADJ
easat-8097	159	20	constructs	construct	NOUN
easat-8097	159	21	:	:	PUNCT
easat-8097	159	22	(	(	PUNCT
easat-8097	159	23	1	1	X
easat-8097	159	24	)	)	PUNCT
easat-8097	159	25	attitude	attitude	NOUN
easat-8097	159	26	towards	towards	ADP
easat-8097	159	27	credit	credit	NOUN
easat-8097	159	28	card	card	NOUN
easat-8097	159	29	usage	usage	NOUN
easat-8097	159	30	,	,	PUNCT
easat-8097	159	31	(	(	PUNCT
easat-8097	159	32	2	2	X
easat-8097	159	33	)	)	PUNCT
easat-8097	159	34	subjective	subjective	ADJ
easat-8097	159	35	norms	norm	NOUN
easat-8097	159	36	,	,	PUNCT
easat-8097	159	37	(	(	PUNCT
easat-8097	159	38	3	3	X
easat-8097	159	39	)	)	PUNCT
easat-8097	159	40	perceived	perceive	VERB
easat-8097	159	41	behavioral	behavioral	ADJ
easat-8097	159	42	control	control	NOUN
easat-8097	159	43	,	,	PUNCT
easat-8097	159	44	(	(	PUNCT
easat-8097	159	45	4	4	X
easat-8097	159	46	)	)	PUNCT
easat-8097	159	47	card	card	NOUN
easat-8097	159	48	usage	usage	NOUN
easat-8097	159	49	costs	cost	NOUN
easat-8097	159	50	,	,	PUNCT
easat-8097	159	51	(	(	PUNCT
easat-8097	159	52	5	5	X
easat-8097	159	53	)	)	PUNCT
easat-8097	159	54	card	card	NOUN
easat-8097	159	55	usage	usage	NOUN
easat-8097	159	56	convenience	convenience	NOUN
easat-8097	159	57	,	,	PUNCT
easat-8097	159	58	(	(	PUNCT
easat-8097	159	59	6	6	X
easat-8097	159	60	)	)	PUNCT
easat-8097	159	61	responsiveness	responsiveness	NOUN
easat-8097	159	62	of	of	ADP
easat-8097	159	63	the	the	DET
easat-8097	159	64	banking	banking	NOUN
easat-8097	159	65	system	system	NOUN
easat-8097	159	66	,	,	PUNCT
easat-8097	159	67	and	and	CCONJ
easat-8097	159	68	(	(	PUNCT
easat-8097	159	69	7	7	X
easat-8097	159	70	)	)	PUNCT
easat-8097	159	71	credit	credit	NOUN
easat-8097	159	72	card	card	NOUN
easat-8097	159	73	usage	usage	NOUN
easat-8097	159	74	decision	decision	NOUN
easat-8097	159	75	.	.	PUNCT
easat-8097	160	1	each	each	DET
easat-8097	160	2	construct	construct	NOUN
easat-8097	160	3	was	be	AUX
easat-8097	160	4	measured	measure	VERB
easat-8097	160	5	using	use	VERB
easat-8097	160	6	multiple	multiple	ADJ
easat-8097	160	7	observed	observe	VERB
easat-8097	160	8	variables	variable	NOUN
easat-8097	160	9	,	,	PUNCT
easat-8097	160	10	rated	rate	VERB
easat-8097	160	11	on	on	ADP
easat-8097	160	12	a	a	DET
easat-8097	160	13	5	5	NUM
easat-8097	160	14	-	-	PUNCT
easat-8097	160	15	point	point	NOUN
easat-8097	160	16	likert	likert	ADJ
easat-8097	160	17	scale	scale	NOUN
easat-8097	160	18	ranging	range	VERB
easat-8097	160	19	from	from	ADP
easat-8097	160	20	1	1	NUM
easat-8097	160	21	(	(	PUNCT
easat-8097	160	22	“	"	PUNCT
easat-8097	160	23	strongly	strongly	ADV
easat-8097	160	24	disagree	disagree	VERB
easat-8097	160	25	”	"	PUNCT
easat-8097	160	26	)	)	PUNCT
easat-8097	160	27	to	to	ADP
easat-8097	160	28	5	5	NUM
easat-8097	160	29	(	(	PUNCT
easat-8097	160	30	“	"	PUNCT
easat-8097	160	31	strongly	strongly	ADV
easat-8097	160	32	agree	agree	VERB
easat-8097	160	33	”	"	PUNCT
easat-8097	160	34	)	)	PUNCT
easat-8097	160	35	.	.	PUNCT
easat-8097	161	1	the	the	DET
easat-8097	161	2	selection	selection	NOUN
easat-8097	161	3	of	of	ADP
easat-8097	161	4	a	a	DET
easat-8097	161	5	5	5	NUM
easat-8097	161	6	-	-	PUNCT
easat-8097	161	7	point	point	NOUN
easat-8097	161	8	scale	scale	NOUN
easat-8097	161	9	aligns	align	VERB
easat-8097	161	10	with	with	ADP
easat-8097	161	11	prior	prior	ADJ
easat-8097	161	12	literature	literature	NOUN
easat-8097	161	13	advocating	advocate	VERB
easat-8097	161	14	for	for	ADP
easat-8097	161	15	its	its	PRON
easat-8097	161	16	reliability	reliability	NOUN
easat-8097	161	17	,	,	PUNCT
easat-8097	161	18	cognitive	cognitive	ADJ
easat-8097	161	19	ease	ease	NOUN
easat-8097	161	20	,	,	PUNCT
easat-8097	161	21	and	and	CCONJ
easat-8097	161	22	interpretability	interpretability	NOUN
easat-8097	161	23	[	[	X
easat-8097	161	24	32	32	NUM
easat-8097	161	25	,	,	PUNCT
easat-8097	161	26	33	33	NUM
easat-8097	161	27	]	]	PUNCT
easat-8097	161	28	.	.	PUNCT
easat-8097	162	1	data	datum	NOUN
easat-8097	162	2	were	be	AUX
easat-8097	162	3	collected	collect	VERB
easat-8097	162	4	via	via	ADP
easat-8097	162	5	google	google	PROPN
easat-8097	162	6	forms	form	NOUN
easat-8097	162	7	using	use	VERB
easat-8097	162	8	a	a	DET
easat-8097	162	9	multi	multi	ADJ
easat-8097	162	10	-	-	ADJ
easat-8097	162	11	channel	channel	ADJ
easat-8097	162	12	approach	approach	NOUN
easat-8097	162	13	:	:	PUNCT
easat-8097	162	14	direct	direct	ADJ
easat-8097	162	15	distribution	distribution	NOUN
easat-8097	162	16	through	through	ADP
easat-8097	162	17	bank	bank	NOUN
easat-8097	162	18	employees	employee	NOUN
easat-8097	162	19	,	,	PUNCT
easat-8097	162	20	administration	administration	NOUN
easat-8097	162	21	at	at	ADP
easat-8097	162	22	transaction	transaction	NOUN
easat-8097	162	23	counters	counter	NOUN
easat-8097	162	24	,	,	PUNCT
easat-8097	162	25	and	and	CCONJ
easat-8097	162	26	online	online	ADJ
easat-8097	162	27	sharing	sharing	NOUN
easat-8097	162	28	via	via	ADP
easat-8097	162	29	gmail	gmail	NOUN
easat-8097	162	30	and	and	CCONJ
easat-8097	162	31	facebook	facebook	NOUN
easat-8097	162	32	.	.	PUNCT
easat-8097	163	1	this	this	DET
easat-8097	163	2	strategy	strategy	NOUN
easat-8097	163	3	ensured	ensure	VERB
easat-8097	163	4	a	a	DET
easat-8097	163	5	diverse	diverse	ADJ
easat-8097	163	6	and	and	CCONJ
easat-8097	163	7	representative	representative	ADJ
easat-8097	163	8	sample	sample	NOUN
easat-8097	163	9	of	of	ADP
easat-8097	163	10	individual	individual	ADJ
easat-8097	163	11	banking	banking	NOUN
easat-8097	163	12	customers	customer	NOUN
easat-8097	163	13	across	across	ADP
easat-8097	163	14	different	different	ADJ
easat-8097	163	15	demographics	demographic	NOUN
easat-8097	163	16	and	and	CCONJ
easat-8097	163	17	usage	usage	NOUN
easat-8097	163	18	experiences	experience	NOUN
easat-8097	163	19	.	.	PUNCT
easat-8097	164	1	1221	1221	NUM
easat-8097	164	2	edelweiss	edelweiss	PROPN
easat-8097	164	3	applied	apply	VERB
easat-8097	164	4	science	science	NOUN
easat-8097	164	5	and	and	CCONJ
easat-8097	164	6	technology	technology	NOUN
easat-8097	164	7	issn	issn	PROPN
easat-8097	164	8	:	:	PUNCT
easat-8097	164	9	2576	2576	NUM
easat-8097	164	10	-	-	SYM
easat-8097	164	11	8484	8484	NUM
easat-8097	164	12	vol	vol	NOUN
easat-8097	164	13	.	.	PROPN
easat-8097	165	1	9	9	NUM
easat-8097	165	2	,	,	PUNCT
easat-8097	165	3	no	no	INTJ
easat-8097	165	4	.	.	NOUN
easat-8097	165	5	6	6	NUM
easat-8097	165	6	:	:	SYM
easat-8097	165	7	1215	1215	NUM
easat-8097	165	8	-	-	SYM
easat-8097	165	9	1232	1232	NUM
easat-8097	165	10	,	,	PUNCT
easat-8097	165	11	2025	2025	NUM
easat-8097	165	12	doi	doi	NOUN
easat-8097	165	13	:	:	PUNCT
easat-8097	165	14	10.55214/25768484.v9i6.8097	10.55214/25768484.v9i6.8097	NUM
easat-8097	165	15	©	©	PROPN
easat-8097	165	16	2025	2025	NUM
easat-8097	165	17	by	by	ADP
easat-8097	165	18	the	the	DET
easat-8097	165	19	authors	author	NOUN
easat-8097	165	20	;	;	PUNCT
easat-8097	165	21	licensee	licensee	PROPN
easat-8097	165	22	learning	learning	NOUN
easat-8097	165	23	gate	gate	NOUN
easat-8097	165	24	to	to	PART
easat-8097	165	25	ensure	ensure	VERB
easat-8097	165	26	data	datum	NOUN
easat-8097	165	27	quality	quality	NOUN
easat-8097	165	28	,	,	PUNCT
easat-8097	165	29	a	a	DET
easat-8097	165	30	rigorous	rigorous	ADJ
easat-8097	165	31	cleaning	cleaning	NOUN
easat-8097	165	32	protocol	protocol	NOUN
easat-8097	165	33	was	be	AUX
easat-8097	165	34	implemented	implement	VERB
easat-8097	165	35	.	.	PUNCT
easat-8097	166	1	responses	response	NOUN
easat-8097	166	2	with	with	ADP
easat-8097	166	3	excessive	excessive	ADJ
easat-8097	166	4	missing	missing	ADJ
easat-8097	166	5	values	value	NOUN
easat-8097	166	6	or	or	CCONJ
easat-8097	166	7	uniform	uniform	ADJ
easat-8097	166	8	answer	answer	NOUN
easat-8097	166	9	patterns	pattern	NOUN
easat-8097	166	10	were	be	AUX
easat-8097	166	11	removed	remove	VERB
easat-8097	166	12	.	.	PUNCT
easat-8097	167	1	outliers	outlier	NOUN
easat-8097	167	2	were	be	AUX
easat-8097	167	3	identified	identify	VERB
easat-8097	167	4	through	through	ADP
easat-8097	167	5	descriptive	descriptive	ADJ
easat-8097	167	6	analysis	analysis	NOUN
easat-8097	167	7	and	and	CCONJ
easat-8097	167	8	eliminated	eliminate	VERB
easat-8097	167	9	to	to	PART
easat-8097	167	10	prevent	prevent	VERB
easat-8097	167	11	distortion	distortion	NOUN
easat-8097	167	12	of	of	ADP
easat-8097	167	13	results	result	NOUN
easat-8097	167	14	.	.	PUNCT
easat-8097	168	1	all	all	DET
easat-8097	168	2	variables	variable	NOUN
easat-8097	168	3	were	be	AUX
easat-8097	168	4	recoded	recode	VERB
easat-8097	168	5	appropriately	appropriately	ADV
easat-8097	168	6	for	for	ADP
easat-8097	168	7	analysis	analysis	NOUN
easat-8097	168	8	in	in	ADP
easat-8097	168	9	spss	spss	PROPN
easat-8097	168	10	.	.	PUNCT
easat-8097	169	1	the	the	DET
easat-8097	169	2	data	data	NOUN
easat-8097	169	3	analysis	analysis	NOUN
easat-8097	169	4	proceeded	proceed	VERB
easat-8097	169	5	through	through	ADP
easat-8097	169	6	several	several	ADJ
easat-8097	169	7	stages	stage	NOUN
easat-8097	169	8	.	.	PUNCT
easat-8097	170	1	descriptive	descriptive	ADJ
easat-8097	170	2	statistics	statistic	NOUN
easat-8097	170	3	were	be	AUX
easat-8097	170	4	used	use	VERB
easat-8097	170	5	to	to	PART
easat-8097	170	6	profile	profile	VERB
easat-8097	170	7	the	the	DET
easat-8097	170	8	sample	sample	NOUN
easat-8097	170	9	.	.	PUNCT
easat-8097	171	1	reliability	reliability	NOUN
easat-8097	171	2	was	be	AUX
easat-8097	171	3	assessed	assess	VERB
easat-8097	171	4	using	use	VERB
easat-8097	171	5	cronbach	cronbach	NOUN
easat-8097	171	6	’s	’s	PART
easat-8097	171	7	alpha	alpha	NOUN
easat-8097	171	8	to	to	PART
easat-8097	171	9	ensure	ensure	VERB
easat-8097	171	10	internal	internal	ADJ
easat-8097	171	11	consistency	consistency	NOUN
easat-8097	171	12	of	of	ADP
easat-8097	171	13	scales	scale	NOUN
easat-8097	171	14	.	.	PUNCT
easat-8097	172	1	exploratory	exploratory	ADJ
easat-8097	172	2	factor	factor	NOUN
easat-8097	172	3	analysis	analysis	NOUN
easat-8097	172	4	(	(	PUNCT
easat-8097	172	5	efa	efa	PROPN
easat-8097	172	6	)	)	PUNCT
easat-8097	172	7	validated	validate	VERB
easat-8097	172	8	the	the	DET
easat-8097	172	9	construct	construct	NOUN
easat-8097	172	10	structure	structure	NOUN
easat-8097	172	11	.	.	PUNCT
easat-8097	173	1	correlation	correlation	NOUN
easat-8097	173	2	analysis	analysis	NOUN
easat-8097	173	3	identified	identify	VERB
easat-8097	173	4	relationships	relationship	NOUN
easat-8097	173	5	among	among	ADP
easat-8097	173	6	variables	variable	NOUN
easat-8097	173	7	.	.	PUNCT
easat-8097	174	1	finally	finally	ADV
easat-8097	174	2	,	,	PUNCT
easat-8097	174	3	multiple	multiple	ADJ
easat-8097	174	4	regression	regression	NOUN
easat-8097	174	5	analysis	analysis	NOUN
easat-8097	174	6	,	,	PUNCT
easat-8097	174	7	along	along	ADP
easat-8097	174	8	with	with	ADP
easat-8097	174	9	t	t	NOUN
easat-8097	174	10	-	-	PUNCT
easat-8097	174	11	tests	test	NOUN
easat-8097	174	12	and	and	CCONJ
easat-8097	174	13	one	one	NUM
easat-8097	174	14	-	-	PUNCT
easat-8097	174	15	way	way	NOUN
easat-8097	174	16	anova	anova	PROPN
easat-8097	174	17	,	,	PUNCT
easat-8097	174	18	was	be	AUX
easat-8097	174	19	conducted	conduct	VERB
easat-8097	174	20	to	to	PART
easat-8097	174	21	test	test	VERB
easat-8097	174	22	the	the	DET
easat-8097	174	23	research	research	NOUN
easat-8097	174	24	hypotheses	hypothesis	NOUN
easat-8097	174	25	and	and	CCONJ
easat-8097	174	26	identify	identify	VERB
easat-8097	174	27	key	key	ADJ
easat-8097	174	28	drivers	driver	NOUN
easat-8097	174	29	of	of	ADP
easat-8097	174	30	credit	credit	NOUN
easat-8097	174	31	card	card	NOUN
easat-8097	174	32	usage	usage	NOUN
easat-8097	174	33	decisions	decision	NOUN
easat-8097	174	34	.	.	PUNCT
easat-8097	175	1	the	the	DET
easat-8097	175	2	research	research	NOUN
easat-8097	175	3	model	model	NOUN
easat-8097	175	4	,	,	PUNCT
easat-8097	175	5	incorporating	incorporate	VERB
easat-8097	175	6	six	six	NUM
easat-8097	175	7	main	main	ADJ
easat-8097	175	8	predictors	predictor	NOUN
easat-8097	175	9	,	,	PUNCT
easat-8097	175	10	was	be	AUX
easat-8097	175	11	operationalized	operationalize	VERB
easat-8097	175	12	through	through	ADP
easat-8097	175	13	27	27	NUM
easat-8097	175	14	observed	observed	ADJ
easat-8097	175	15	variables	variable	NOUN
easat-8097	175	16	.	.	PUNCT
easat-8097	176	1	these	these	DET
easat-8097	176	2	variables	variable	NOUN
easat-8097	176	3	were	be	AUX
easat-8097	176	4	systematically	systematically	ADV
easat-8097	176	5	coded	code	VERB
easat-8097	176	6	and	and	CCONJ
easat-8097	176	7	analyzed	analyze	VERB
easat-8097	176	8	to	to	PART
easat-8097	176	9	examine	examine	VERB
easat-8097	176	10	the	the	DET
easat-8097	176	11	structural	structural	ADJ
easat-8097	176	12	relationships	relationship	NOUN
easat-8097	176	13	and	and	CCONJ
easat-8097	176	14	test	test	VERB
easat-8097	176	15	the	the	DET
easat-8097	176	16	proposed	propose	VERB
easat-8097	176	17	hypotheses	hypothesis	NOUN
easat-8097	176	18	,	,	PUNCT
easat-8097	176	19	thereby	thereby	ADV
easat-8097	176	20	providing	provide	VERB
easat-8097	176	21	empirical	empirical	ADJ
easat-8097	176	22	insights	insight	NOUN
easat-8097	176	23	into	into	ADP
easat-8097	176	24	the	the	DET
easat-8097	176	25	behavioral	behavioral	ADJ
easat-8097	176	26	determinants	determinant	NOUN
easat-8097	176	27	of	of	ADP
easat-8097	176	28	credit	credit	NOUN
easat-8097	176	29	card	card	NOUN
easat-8097	176	30	adoption	adoption	NOUN
easat-8097	176	31	in	in	ADP
easat-8097	176	32	vietnam	vietnam	PROPN
easat-8097	176	33	’s	’s	PART
easat-8097	176	34	banking	banking	NOUN
easat-8097	176	35	sector	sector	NOUN
easat-8097	176	36	4	4	NUM
easat-8097	176	37	.	.	PUNCT
easat-8097	176	38	results	result	VERB
easat-8097	176	39	4.1	4.1	NUM
easat-8097	176	40	.	.	PUNCT
easat-8097	177	1	descriptive	descriptive	ADJ
easat-8097	177	2	statistics	statistic	NOUN
easat-8097	177	3	of	of	ADP
easat-8097	177	4	the	the	DET
easat-8097	177	5	research	research	NOUN
easat-8097	177	6	sample	sample	NOUN
easat-8097	177	7	the	the	DET
easat-8097	177	8	descriptive	descriptive	ADJ
easat-8097	177	9	statistics	statistic	NOUN
easat-8097	177	10	results	result	VERB
easat-8097	177	11	on	on	ADP
easat-8097	177	12	income	income	NOUN
easat-8097	177	13	of	of	ADP
easat-8097	177	14	the	the	DET
easat-8097	177	15	research	research	NOUN
easat-8097	177	16	participants	participant	NOUN
easat-8097	177	17	provide	provide	VERB
easat-8097	177	18	insight	insight	NOUN
easat-8097	177	19	into	into	ADP
easat-8097	177	20	the	the	DET
easat-8097	177	21	economic	economic	ADJ
easat-8097	177	22	diversity	diversity	NOUN
easat-8097	177	23	in	in	ADP
easat-8097	177	24	the	the	DET
easat-8097	177	25	research	research	NOUN
easat-8097	177	26	sample	sample	NOUN
easat-8097	177	27	.	.	PUNCT
easat-8097	178	1	a	a	DET
easat-8097	178	2	total	total	NOUN
easat-8097	178	3	of	of	ADP
easat-8097	178	4	332	332	NUM
easat-8097	178	5	participants	participant	NOUN
easat-8097	178	6	were	be	AUX
easat-8097	178	7	divided	divide	VERB
easat-8097	178	8	into	into	ADP
easat-8097	178	9	four	four	NUM
easat-8097	178	10	main	main	ADJ
easat-8097	178	11	income	income	NOUN
easat-8097	178	12	groups	group	NOUN
easat-8097	178	13	:	:	PUNCT
easat-8097	178	14	the	the	DET
easat-8097	178	15	income	income	NOUN
easat-8097	178	16	group	group	NOUN
easat-8097	178	17	earning	earn	VERB
easat-8097	178	18	less	less	ADJ
easat-8097	178	19	than	than	ADP
easat-8097	178	20	10	10	NUM
easat-8097	178	21	million	million	NUM
easat-8097	178	22	vnd	vnd	PROPN
easat-8097	178	23	comprises	comprise	VERB
easat-8097	178	24	2.7	2.7	NUM
easat-8097	178	25	%	%	NOUN
easat-8097	178	26	of	of	ADP
easat-8097	178	27	the	the	DET
easat-8097	178	28	sample	sample	NOUN
easat-8097	178	29	(	(	PUNCT
easat-8097	178	30	9	9	NUM
easat-8097	178	31	individuals	individual	NOUN
easat-8097	178	32	)	)	PUNCT
easat-8097	178	33	,	,	PUNCT
easat-8097	178	34	while	while	SCONJ
easat-8097	178	35	the	the	DET
easat-8097	178	36	10–20	10–20	NUM
easat-8097	178	37	million	million	NUM
easat-8097	178	38	vnd	vnd	PROPN
easat-8097	178	39	bracket	bracket	NOUN
easat-8097	178	40	represents	represent	VERB
easat-8097	178	41	the	the	DET
easat-8097	178	42	largest	large	ADJ
easat-8097	178	43	segment	segment	NOUN
easat-8097	178	44	at	at	ADP
easat-8097	178	45	47.9	47.9	NUM
easat-8097	178	46	%	%	NOUN
easat-8097	178	47	(	(	PUNCT
easat-8097	178	48	159	159	NUM
easat-8097	178	49	individuals	individual	NOUN
easat-8097	178	50	)	)	PUNCT
easat-8097	178	51	.	.	PUNCT
easat-8097	179	1	the	the	DET
easat-8097	179	2	20–30	20–30	NUM
easat-8097	179	3	million	million	NUM
easat-8097	179	4	vnd	vnd	PROPN
easat-8097	179	5	group	group	NOUN
easat-8097	179	6	accounts	account	VERB
easat-8097	179	7	for	for	ADP
easat-8097	179	8	35.2	35.2	NUM
easat-8097	179	9	%	%	NOUN
easat-8097	179	10	(	(	PUNCT
easat-8097	179	11	117	117	NUM
easat-8097	179	12	individuals	individual	NOUN
easat-8097	179	13	)	)	PUNCT
easat-8097	179	14	,	,	PUNCT
easat-8097	179	15	and	and	CCONJ
easat-8097	179	16	those	those	PRON
easat-8097	179	17	earning	earn	VERB
easat-8097	179	18	over	over	ADP
easat-8097	179	19	30	30	NUM
easat-8097	179	20	million	million	NUM
easat-8097	179	21	vnd	vnd	PROPN
easat-8097	179	22	constitute	constitute	VERB
easat-8097	179	23	14.2	14.2	NUM
easat-8097	179	24	%	%	NOUN
easat-8097	179	25	(	(	PUNCT
easat-8097	179	26	47	47	NUM
easat-8097	179	27	individuals	individual	NOUN
easat-8097	179	28	)	)	PUNCT
easat-8097	179	29	.	.	PUNCT
easat-8097	180	1	this	this	DET
easat-8097	180	2	result	result	NOUN
easat-8097	180	3	reflects	reflect	VERB
easat-8097	180	4	the	the	DET
easat-8097	180	5	diversity	diversity	NOUN
easat-8097	180	6	of	of	ADP
easat-8097	180	7	income	income	NOUN
easat-8097	180	8	in	in	ADP
easat-8097	180	9	the	the	DET
easat-8097	180	10	research	research	NOUN
easat-8097	180	11	sample	sample	NOUN
easat-8097	180	12	,	,	PUNCT
easat-8097	180	13	indicating	indicate	VERB
easat-8097	180	14	the	the	DET
easat-8097	180	15	reality	reality	NOUN
easat-8097	180	16	of	of	ADP
easat-8097	180	17	economic	economic	ADJ
easat-8097	180	18	class	class	NOUN
easat-8097	180	19	and	and	CCONJ
easat-8097	180	20	spending	spending	NOUN
easat-8097	180	21	ability	ability	NOUN
easat-8097	180	22	of	of	ADP
easat-8097	180	23	the	the	DET
easat-8097	180	24	participants	participant	NOUN
easat-8097	180	25	,	,	PUNCT
easat-8097	180	26	which	which	PRON
easat-8097	180	27	increases	increase	VERB
easat-8097	180	28	the	the	DET
easat-8097	180	29	objectivity	objectivity	NOUN
easat-8097	180	30	and	and	CCONJ
easat-8097	180	31	comprehensiveness	comprehensiveness	NOUN
easat-8097	180	32	of	of	ADP
easat-8097	180	33	the	the	DET
easat-8097	180	34	study	study	NOUN
easat-8097	180	35	,	,	PUNCT
easat-8097	180	36	and	and	CCONJ
easat-8097	180	37	also	also	ADV
easat-8097	180	38	shows	show	VERB
easat-8097	180	39	the	the	DET
easat-8097	180	40	influence	influence	NOUN
easat-8097	180	41	of	of	ADP
easat-8097	180	42	income	income	NOUN
easat-8097	180	43	on	on	ADP
easat-8097	180	44	the	the	DET
easat-8097	180	45	credit	credit	NOUN
easat-8097	180	46	card	card	NOUN
easat-8097	180	47	usage	usage	NOUN
easat-8097	180	48	decision	decision	NOUN
easat-8097	180	49	.	.	PUNCT
easat-8097	181	1	table	table	NOUN
easat-8097	181	2	1	1	NUM
easat-8097	181	3	.	.	PUNCT
easat-8097	182	1	sample	sample	NOUN
easat-8097	182	2	characteristics	characteristic	NOUN
easat-8097	182	3	.	.	PUNCT
easat-8097	183	1	subject	subject	ADJ
easat-8097	183	2	frequency	frequency	NOUN
easat-8097	183	3	rate	rate	NOUN
easat-8097	183	4	(	(	PUNCT
easat-8097	183	5	%	%	INTJ
easat-8097	183	6	)	)	PUNCT
easat-8097	183	7	%	%	NOUN
easat-8097	183	8	accumulated	accumulate	VERB
easat-8097	183	9	gender	gender	NOUN
easat-8097	183	10	female	female	NOUN
easat-8097	183	11	156	156	NUM
easat-8097	183	12	53.0	53.0	NUM
easat-8097	183	13	53.0	53.0	NUM
easat-8097	183	14	male	male	NOUN
easat-8097	183	15	176	176	NUM
easat-8097	183	16	47.0	47.0	NUM
easat-8097	183	17	100.0	100.0	NUM
easat-8097	183	18	age	age	NOUN
easat-8097	183	19	under	under	ADP
easat-8097	183	20	25	25	NUM
easat-8097	183	21	years	year	NOUN
easat-8097	183	22	old	old	ADJ
easat-8097	183	23	12	12	NUM
easat-8097	183	24	3.6	3.6	NUM
easat-8097	183	25	3.6	3.6	NUM
easat-8097	183	26	25	25	NUM
easat-8097	183	27	35	35	NUM
easat-8097	183	28	years	year	NOUN
easat-8097	183	29	old	old	ADJ
easat-8097	183	30	122	122	NUM
easat-8097	183	31	36.7	36.7	NUM
easat-8097	183	32	40.4	40.4	NUM
easat-8097	183	33	36	36	NUM
easat-8097	183	34	45	45	NUM
easat-8097	183	35	years	year	NOUN
easat-8097	183	36	old	old	ADJ
easat-8097	183	37	138	138	NUM
easat-8097	183	38	41.6	41.6	NUM
easat-8097	183	39	81.9	81.9	NUM
easat-8097	183	40	45	45	NUM
easat-8097	183	41	55	55	NUM
easat-8097	183	42	years	year	NOUN
easat-8097	183	43	old	old	ADJ
easat-8097	183	44	53	53	NUM
easat-8097	183	45	16.0	16.0	NUM
easat-8097	183	46	97.9	97.9	NUM
easat-8097	183	47	over	over	ADP
easat-8097	183	48	55	55	NUM
easat-8097	183	49	years	year	NOUN
easat-8097	183	50	old	old	ADJ
easat-8097	183	51	7	7	NUM
easat-8097	183	52	2.1	2.1	NUM
easat-8097	183	53	100.0	100.0	NUM
easat-8097	183	54	occupations	occupation	NOUN
easat-8097	183	55	student	student	NOUN
easat-8097	183	56	3	3	NUM
easat-8097	183	57	0.9	0.9	NUM
easat-8097	183	58	0.9	0.9	NUM
easat-8097	183	59	office	office	NOUN
easat-8097	183	60	staff	staff	NOUN
easat-8097	183	61	74	74	NUM
easat-8097	183	62	22.3	22.3	NUM
easat-8097	183	63	23.2	23.2	NUM
easat-8097	183	64	freelance	freelance	NOUN
easat-8097	183	65	business	business	NOUN
easat-8097	183	66	164	164	NUM
easat-8097	183	67	49.4	49.4	NUM
easat-8097	183	68	72.6	72.6	NUM
easat-8097	183	69	civil	civil	ADJ
easat-8097	183	70	servant	servant	NOUN
easat-8097	183	71	73	73	NUM
easat-8097	183	72	22.0	22.0	NUM
easat-8097	183	73	94.6	94.6	NUM
easat-8097	183	74	other	other	ADJ
easat-8097	183	75	18	18	NUM
easat-8097	183	76	5.4	5.4	NUM
easat-8097	183	77	100.0	100.0	NUM
easat-8097	183	78	income	income	NOUN
easat-8097	183	79	under	under	ADP
easat-8097	183	80	10	10	NUM
easat-8097	183	81	million	million	NUM
easat-8097	183	82	9	9	NUM
easat-8097	183	83	2.7	2.7	NUM
easat-8097	183	84	2.7	2.7	NUM
easat-8097	183	85	from	from	ADP
easat-8097	183	86	10	10	NUM
easat-8097	183	87	20	20	NUM
easat-8097	183	88	million	million	NUM
easat-8097	183	89	159	159	NUM
easat-8097	183	90	47.9	47.9	NUM
easat-8097	183	91	50.6	50.6	NUM
easat-8097	183	92	from	from	ADP
easat-8097	183	93	20	20	NUM
easat-8097	183	94	30	30	NUM
easat-8097	183	95	million	million	NUM
easat-8097	183	96	117	117	NUM
easat-8097	183	97	35.2	35.2	NUM
easat-8097	183	98	85.8	85.8	NUM
easat-8097	183	99	over	over	ADP
easat-8097	183	100	30	30	NUM
easat-8097	183	101	million	million	NUM
easat-8097	183	102	47	47	NUM
easat-8097	183	103	14.2	14.2	NUM
easat-8097	183	104	100.0	100.0	NUM
easat-8097	183	105	total	total	NOUN
easat-8097	183	106	332	332	NUM
easat-8097	183	107	100.0	100.0	NUM
easat-8097	183	108	1222	1222	NUM
easat-8097	183	109	edelweiss	edelweiss	PROPN
easat-8097	183	110	applied	apply	VERB
easat-8097	183	111	science	science	NOUN
easat-8097	183	112	and	and	CCONJ
easat-8097	183	113	technology	technology	NOUN
easat-8097	183	114	issn	issn	PROPN
easat-8097	183	115	:	:	PUNCT
easat-8097	183	116	2576	2576	NUM
easat-8097	183	117	-	-	SYM
easat-8097	183	118	8484	8484	NUM
easat-8097	183	119	vol	vol	NOUN
easat-8097	183	120	.	.	PROPN
easat-8097	184	1	9	9	NUM
easat-8097	184	2	,	,	PUNCT
easat-8097	184	3	no	no	INTJ
easat-8097	184	4	.	.	NOUN
easat-8097	184	5	6	6	NUM
easat-8097	184	6	:	:	SYM
easat-8097	184	7	1215	1215	NUM
easat-8097	184	8	-	-	SYM
easat-8097	184	9	1232	1232	NUM
easat-8097	184	10	,	,	PUNCT
easat-8097	184	11	2025	2025	NUM
easat-8097	184	12	doi	doi	NOUN
easat-8097	184	13	:	:	PUNCT
easat-8097	184	14	10.55214/25768484.v9i6.8097	10.55214/25768484.v9i6.8097	NUM
easat-8097	184	15	©	©	PROPN
easat-8097	184	16	2025	2025	NUM
easat-8097	184	17	by	by	ADP
easat-8097	184	18	the	the	DET
easat-8097	184	19	authors	author	NOUN
easat-8097	184	20	;	;	PUNCT
easat-8097	184	21	licensee	licensee	PROPN
easat-8097	184	22	learning	learning	NOUN
easat-8097	184	23	gate	gate	NOUN
easat-8097	184	24	4.2	4.2	NUM
easat-8097	184	25	.	.	PUNCT
easat-8097	185	1	cronbach	cronbach	PROPN
easat-8097	185	2	's	's	PART
easat-8097	185	3	alpha	alpha	NOUN
easat-8097	185	4	reliability	reliability	NOUN
easat-8097	185	5	test	test	NOUN
easat-8097	185	6	before	before	SCONJ
easat-8097	185	7	conductinh	conductinh	VERB
easat-8097	185	8	the	the	DET
easat-8097	185	9	exploratory	exploratory	ADJ
easat-8097	185	10	factor	factor	NOUN
easat-8097	185	11	analysis	analysis	NOUN
easat-8097	185	12	(	(	PUNCT
easat-8097	185	13	efa	efa	PROPN
easat-8097	185	14	)	)	PUNCT
easat-8097	185	15	,	,	PUNCT
easat-8097	185	16	the	the	DET
easat-8097	185	17	first	first	ADJ
easat-8097	185	18	step	step	NOUN
easat-8097	185	19	is	be	AUX
easat-8097	185	20	to	to	PART
easat-8097	185	21	test	test	VERB
easat-8097	185	22	the	the	DET
easat-8097	185	23	reliability	reliability	NOUN
easat-8097	185	24	of	of	ADP
easat-8097	185	25	the	the	DET
easat-8097	185	26	scale	scale	NOUN
easat-8097	185	27	.	.	PUNCT
easat-8097	186	1	using	use	VERB
easat-8097	186	2	spss	spss	PROPN
easat-8097	186	3	20.0	20.0	NUM
easat-8097	186	4	statistical	statistical	ADJ
easat-8097	186	5	data	datum	NOUN
easat-8097	186	6	processing	processing	NOUN
easat-8097	186	7	software	software	NOUN
easat-8097	186	8	,	,	PUNCT
easat-8097	186	9	each	each	DET
easat-8097	186	10	observed	observe	VERB
easat-8097	186	11	variable	variable	NOUN
easat-8097	186	12	was	be	AUX
easat-8097	186	13	put	put	VERB
easat-8097	186	14	into	into	ADP
easat-8097	186	15	the	the	DET
easat-8097	186	16	test	test	NOUN
easat-8097	186	17	in	in	ADP
easat-8097	186	18	turn	turn	NOUN
easat-8097	186	19	,	,	PUNCT
easat-8097	186	20	giving	give	VERB
easat-8097	186	21	the	the	DET
easat-8097	186	22	following	follow	VERB
easat-8097	186	23	results	result	NOUN
easat-8097	186	24	.	.	PUNCT
easat-8097	187	1	cronbach	cronbach	VERB
easat-8097	187	2	’s	’s	PART
easat-8097	187	3	alpha	alpha	NOUN
easat-8097	187	4	is	be	AUX
easat-8097	187	5	a	a	DET
easat-8097	187	6	widely	widely	ADV
easat-8097	187	7	used	use	VERB
easat-8097	187	8	statistic	statistic	NOUN
easat-8097	187	9	for	for	ADP
easat-8097	187	10	assessing	assess	VERB
easat-8097	187	11	the	the	DET
easat-8097	187	12	internal	internal	ADJ
easat-8097	187	13	consistency	consistency	NOUN
easat-8097	187	14	reliability	reliability	NOUN
easat-8097	187	15	of	of	ADP
easat-8097	187	16	a	a	DET
easat-8097	187	17	scale	scale	NOUN
easat-8097	187	18	,	,	PUNCT
easat-8097	187	19	indicating	indicate	VERB
easat-8097	187	20	how	how	SCONJ
easat-8097	187	21	closely	closely	ADV
easat-8097	187	22	related	relate	VERB
easat-8097	187	23	a	a	DET
easat-8097	187	24	set	set	NOUN
easat-8097	187	25	of	of	ADP
easat-8097	187	26	items	item	NOUN
easat-8097	187	27	are	be	AUX
easat-8097	187	28	as	as	ADP
easat-8097	187	29	a	a	DET
easat-8097	187	30	group	group	NOUN
easat-8097	187	31	.	.	PUNCT
easat-8097	188	1	generally	generally	ADV
easat-8097	188	2	,	,	PUNCT
easat-8097	188	3	a	a	DET
easat-8097	188	4	cronbach	cronbach	NOUN
easat-8097	188	5	’s	’s	PART
easat-8097	188	6	alpha	alpha	NOUN
easat-8097	188	7	value	value	NOUN
easat-8097	188	8	of	of	ADP
easat-8097	188	9	0.7	0.7	NUM
easat-8097	188	10	or	or	CCONJ
easat-8097	188	11	higher	high	ADJ
easat-8097	188	12	is	be	AUX
easat-8097	188	13	considered	consider	VERB
easat-8097	188	14	acceptable	acceptable	ADJ
easat-8097	188	15	for	for	ADP
easat-8097	188	16	exploratory	exploratory	ADJ
easat-8097	188	17	research	research	NOUN
easat-8097	188	18	[	[	X
easat-8097	188	19	34	34	NUM
easat-8097	188	20	]	]	PUNCT
easat-8097	188	21	with	with	ADP
easat-8097	188	22	values	value	NOUN
easat-8097	188	23	above	above	ADP
easat-8097	188	24	0.8	0.8	NUM
easat-8097	188	25	considered	consider	VERB
easat-8097	188	26	good	good	ADJ
easat-8097	188	27	,	,	PUNCT
easat-8097	188	28	and	and	CCONJ
easat-8097	188	29	values	value	NOUN
easat-8097	188	30	above	above	ADP
easat-8097	188	31	0.9	0.9	NUM
easat-8097	188	32	indicating	indicate	VERB
easat-8097	188	33	excellent	excellent	ADJ
easat-8097	188	34	reliability	reliability	NOUN
easat-8097	188	35	.	.	PUNCT
easat-8097	189	1	thus	thus	ADV
easat-8097	189	2	,	,	PUNCT
easat-8097	189	3	all	all	DET
easat-8097	189	4	variables	variable	NOUN
easat-8097	189	5	in	in	ADP
easat-8097	189	6	the	the	DET
easat-8097	189	7	model	model	NOUN
easat-8097	189	8	are	be	AUX
easat-8097	189	9	acceptable	acceptable	ADJ
easat-8097	189	10	for	for	ADP
easat-8097	189	11	the	the	DET
easat-8097	189	12	next	next	ADJ
easat-8097	189	13	analyses	analysis	NOUN
easat-8097	189	14	.	.	PUNCT
easat-8097	190	1	table	table	NOUN
easat-8097	190	2	2	2	NUM
easat-8097	190	3	.	.	X
easat-8097	190	4	reliability	reliability	NOUN
easat-8097	190	5	test	test	NOUN
easat-8097	190	6	results	result	NOUN
easat-8097	190	7	.	.	PUNCT
easat-8097	191	1	variables	variable	NOUN
easat-8097	191	2	scale	scale	NOUN
easat-8097	191	3	mean	mean	VERB
easat-8097	191	4	if	if	SCONJ
easat-8097	191	5	item	item	NOUN
easat-8097	191	6	deleted	delete	VERB
easat-8097	191	7	scale	scale	NOUN
easat-8097	191	8	variance	variance	NOUN
easat-8097	191	9	if	if	SCONJ
easat-8097	191	10	item	item	NOUN
easat-8097	191	11	deleted	delete	VERB
easat-8097	191	12	corrected	correct	VERB
easat-8097	191	13	item	item	NOUN
easat-8097	191	14	-	-	PUNCT
easat-8097	191	15	total	total	NOUN
easat-8097	191	16	correlation	correlation	NOUN
easat-8097	191	17	cronbach	cronbach	NOUN
easat-8097	191	18	's	's	PART
easat-8097	191	19	alpha	alpha	NOUN
easat-8097	191	20	if	if	SCONJ
easat-8097	191	21	item	item	NOUN
easat-8097	191	22	deleted	delete	VERB
easat-8097	191	23	cronbach	cronbach	NOUN
easat-8097	191	24	's	's	PART
easat-8097	191	25	alpha	alpha	NOUN
easat-8097	191	26	of	of	ADP
easat-8097	191	27	“	"	PUNCT
easat-8097	191	28	attitude	attitude	NOUN
easat-8097	191	29	perception	perception	NOUN
easat-8097	191	30	(	(	PUNCT
easat-8097	191	31	td	td	NOUN
easat-8097	191	32	)	)	PUNCT
easat-8097	191	33	”	"	PUNCT
easat-8097	192	1	=	=	NUM
easat-8097	192	2	0.724	0.724	NUM
easat-8097	192	3	td1	td1	NOUN
easat-8097	192	4	8.56	8.56	NUM
easat-8097	192	5	3.293	3.293	NUM
easat-8097	192	6	0.537	0.537	NUM
easat-8097	192	7	0.648	0.648	NUM
easat-8097	192	8	td2	td2	PROPN
easat-8097	192	9	8.54	8.54	NUM
easat-8097	192	10	3.645	3.645	NUM
easat-8097	192	11	0.433	0.433	NUM
easat-8097	192	12	0.708	0.708	NUM
easat-8097	192	13	td3	td3	NOUN
easat-8097	192	14	8.41	8.41	NUM
easat-8097	192	15	3.215	3.215	NUM
easat-8097	192	16	0.589	0.589	NUM
easat-8097	192	17	0.616	0.616	NUM
easat-8097	192	18	td4	td4	PROPN
easat-8097	192	19	8.25	8.25	NUM
easat-8097	192	20	3.542	3.542	NUM
easat-8097	192	21	0.495	0.495	NUM
easat-8097	192	22	0.673	0.673	NUM
easat-8097	192	23	cronbach	cronbach	NOUN
easat-8097	192	24	's	's	PART
easat-8097	192	25	alpha	alpha	NOUN
easat-8097	192	26	of	of	ADP
easat-8097	192	27	“	"	PUNCT
easat-8097	192	28	subjective	subjective	ADJ
easat-8097	192	29	norms	norm	NOUN
easat-8097	192	30	(	(	PUNCT
easat-8097	192	31	ccq	ccq	NOUN
easat-8097	192	32	)	)	PUNCT
easat-8097	192	33	”	"	PUNCT
easat-8097	193	1	=	=	NUM
easat-8097	193	2	0.774	0.774	NUM
easat-8097	193	3	ccq1	ccq1	NOUN
easat-8097	193	4	8.70	8.70	NUM
easat-8097	193	5	3.099	3.099	NUM
easat-8097	193	6	0.619	0.619	NUM
easat-8097	193	7	0.697	0.697	NUM
easat-8097	193	8	ccq2	ccq2	ADJ
easat-8097	193	9	8.83	8.83	NUM
easat-8097	193	10	3.281	3.281	NUM
easat-8097	193	11	0.527	0.527	NUM
easat-8097	193	12	0.745	0.745	NUM
easat-8097	193	13	ccq3	ccq3	NOUN
easat-8097	193	14	8.67	8.67	NUM
easat-8097	193	15	3.152	3.152	NUM
easat-8097	193	16	0.588	0.588	NUM
easat-8097	193	17	0.713	0.713	NUM
easat-8097	193	18	ccq4	ccq4	NOUN
easat-8097	193	19	8.69	8.69	NUM
easat-8097	193	20	3.198	3.198	NUM
easat-8097	193	21	0.571	0.571	NUM
easat-8097	193	22	0.722	0.722	NUM
easat-8097	193	23	cronbach	cronbach	NOUN
easat-8097	193	24	's	's	PART
easat-8097	193	25	alpha	alpha	NOUN
easat-8097	193	26	of	of	ADP
easat-8097	193	27	“	"	PUNCT
easat-8097	193	28	perceived	perceive	VERB
easat-8097	193	29	behavioral	behavioral	ADJ
easat-8097	193	30	control	control	NOUN
easat-8097	193	31	(	(	PUNCT
easat-8097	193	32	nt	not	PART
easat-8097	193	33	)	)	PUNCT
easat-8097	193	34	”	"	PUNCT
easat-8097	194	1	=	=	PROPN
easat-8097	194	2	0.869	0.869	NUM
easat-8097	194	3	nt1	nt1	NOUN
easat-8097	194	4	8.72	8.72	NUM
easat-8097	194	5	4.373	4.373	NUM
easat-8097	194	6	0.743	0.743	NUM
easat-8097	194	7	0.825	0.825	NUM
easat-8097	194	8	nt2	nt2	VERB
easat-8097	194	9	8.61	8.61	NUM
easat-8097	194	10	4.401	4.401	NUM
easat-8097	194	11	0.683	0.683	NUM
easat-8097	194	12	0.850	0.850	NUM
easat-8097	194	13	nt3	nt3	ADP
easat-8097	194	14	8.56	8.56	NUM
easat-8097	194	15	4.241	4.241	NUM
easat-8097	194	16	0.763	0.763	NUM
easat-8097	194	17	0.816	0.816	NUM
easat-8097	194	18	nt4	nt4	PROPN
easat-8097	194	19	8.47	8.47	NUM
easat-8097	194	20	4.606	4.606	NUM
easat-8097	194	21	0.701	0.701	NUM
easat-8097	194	22	0.842	0.842	NUM
easat-8097	194	23	cronbach	cronbach	NOUN
easat-8097	194	24	's	's	PART
easat-8097	194	25	alpha	alpha	NOUN
easat-8097	194	26	of	of	ADP
easat-8097	194	27	“	"	PUNCT
easat-8097	194	28	card	card	NOUN
easat-8097	194	29	usage	usage	NOUN
easat-8097	194	30	costs	cost	NOUN
easat-8097	194	31	(	(	PUNCT
easat-8097	194	32	cp	cp	NOUN
easat-8097	194	33	)	)	PUNCT
easat-8097	194	34	”	"	PUNCT
easat-8097	195	1	=	=	NUM
easat-8097	195	2	0.787	0.787	NUM
easat-8097	195	3	cp1	cp1	X
easat-8097	195	4	8.38	8.38	NUM
easat-8097	195	5	3.741	3.741	NUM
easat-8097	195	6	0.614	0.614	NUM
easat-8097	195	7	0.725	0.725	NUM
easat-8097	195	8	cp2	cp2	NOUN
easat-8097	195	9	8.44	8.44	NUM
easat-8097	195	10	3.510	3.510	NUM
easat-8097	195	11	0.674	0.674	NUM
easat-8097	195	12	0.692	0.692	NUM
easat-8097	195	13	cp3	cp3	NOUN
easat-8097	195	14	8.28	8.28	NUM
easat-8097	195	15	4.124	4.124	NUM
easat-8097	195	16	0.556	0.556	NUM
easat-8097	195	17	0.754	0.754	NUM
easat-8097	195	18	cp4	cp4	NOUN
easat-8097	195	19	8.44	8.44	NUM
easat-8097	195	20	3.933	3.933	NUM
easat-8097	195	21	0.539	0.539	NUM
easat-8097	195	22	0.763	0.763	NUM
easat-8097	195	23	cronbach	cronbach	NOUN
easat-8097	195	24	's	's	PART
easat-8097	195	25	alpha	alpha	NOUN
easat-8097	195	26	of	of	ADP
easat-8097	195	27	“	"	PUNCT
easat-8097	195	28	card	card	NOUN
easat-8097	195	29	usage	usage	NOUN
easat-8097	195	30	convenience	convenience	NOUN
easat-8097	195	31	(	(	PUNCT
easat-8097	195	32	ti	ti	NOUN
easat-8097	195	33	)	)	PUNCT
easat-8097	195	34	”	"	PUNCT
easat-8097	196	1	=	=	PROPN
easat-8097	196	2	0.872	0.872	NUM
easat-8097	196	3	ti1	ti1	PROPN
easat-8097	196	4	8.68	8.68	NUM
easat-8097	196	5	4.048	4.048	NUM
easat-8097	196	6	0.712	0.712	NUM
easat-8097	196	7	0.844	0.844	NUM
easat-8097	196	8	ti2	ti2	PROPN
easat-8097	196	9	8.68	8.68	NUM
easat-8097	196	10	4.249	4.249	NUM
easat-8097	196	11	0.704	0.704	NUM
easat-8097	196	12	0.845	0.845	NUM
easat-8097	196	13	ti3	ti3	NOUN
easat-8097	196	14	8.71	8.71	NUM
easat-8097	196	15	4.322	4.322	NUM
easat-8097	196	16	0.723	0.723	NUM
easat-8097	196	17	0.838	0.838	NUM
easat-8097	196	18	ti4	ti4	NOUN
easat-8097	196	19	8.77	8.77	NUM
easat-8097	196	20	4.254	4.254	NUM
easat-8097	196	21	0.773	0.773	NUM
easat-8097	196	22	0.819	0.819	NUM
easat-8097	196	23	cronbach	cronbach	NOUN
easat-8097	196	24	's	's	PART
easat-8097	196	25	alpha	alpha	NOUN
easat-8097	196	26	of	of	ADP
easat-8097	196	27	“	"	PUNCT
easat-8097	196	28	responsiveness	responsiveness	NOUN
easat-8097	196	29	of	of	ADP
easat-8097	196	30	the	the	DET
easat-8097	196	31	banking	banking	NOUN
easat-8097	196	32	system	system	NOUN
easat-8097	196	33	(	(	PUNCT
easat-8097	196	34	du	du	NOUN
easat-8097	196	35	)	)	PUNCT
easat-8097	196	36	”	"	PUNCT
easat-8097	197	1	=	=	NUM
easat-8097	197	2	0.839	0.839	NUM
easat-8097	197	3	du1	du1	VERB
easat-8097	197	4	8.72	8.72	NUM
easat-8097	197	5	3.689	3.689	NUM
easat-8097	197	6	0.687	0.687	NUM
easat-8097	197	7	0.789	0.789	NUM
easat-8097	197	8	du2	du2	PROPN
easat-8097	197	9	8.67	8.67	NUM
easat-8097	197	10	3.782	3.782	NUM
easat-8097	197	11	0.670	0.670	NUM
easat-8097	197	12	0.797	0.797	NUM
easat-8097	197	13	du3	du3	X
easat-8097	197	14	8.75	8.75	NUM
easat-8097	197	15	3.531	3.531	NUM
easat-8097	197	16	0.682	0.682	NUM
easat-8097	197	17	0.792	0.792	NUM
easat-8097	197	18	du4	du4	NOUN
easat-8097	197	19	8.65	8.65	NUM
easat-8097	197	20	3.697	3.697	NUM
easat-8097	197	21	0.648	0.648	NUM
easat-8097	197	22	0.806	0.806	NUM
easat-8097	197	23	cronbach	cronbach	NOUN
easat-8097	197	24	's	's	PART
easat-8097	197	25	alpha	alpha	NOUN
easat-8097	197	26	of	of	ADP
easat-8097	197	27	“	"	PUNCT
easat-8097	197	28	credit	credit	NOUN
easat-8097	197	29	card	card	NOUN
easat-8097	197	30	usage	usage	NOUN
easat-8097	197	31	decision	decision	NOUN
easat-8097	197	32	(	(	PUNCT
easat-8097	197	33	qd	qd	NOUN
easat-8097	197	34	)	)	PUNCT
easat-8097	197	35	”	"	PUNCT
easat-8097	198	1	=	=	PRON
easat-8097	198	2	0.789	0.789	NUM
easat-8097	198	3	qd1	qd1	VERB
easat-8097	198	4	5.88	5.88	NUM
easat-8097	198	5	2.372	2.372	NUM
easat-8097	198	6	0.590	0.590	NUM
easat-8097	198	7	0.754	0.754	NUM
easat-8097	198	8	qd2	qd2	PROPN
easat-8097	198	9	5.87	5.87	NUM
easat-8097	198	10	2.198	2.198	NUM
easat-8097	198	11	0.619	0.619	NUM
easat-8097	198	12	0.724	0.724	NUM
easat-8097	198	13	qd3	qd3	NOUN
easat-8097	198	14	5.91	5.91	NUM
easat-8097	198	15	2.104	2.104	NUM
easat-8097	198	16	0.680	0.680	NUM
easat-8097	198	17	0.657	0.657	NUM
easat-8097	198	18	4.3	4.3	NUM
easat-8097	198	19	.	.	PUNCT
easat-8097	198	20	exploratory	exploratory	ADJ
easat-8097	198	21	factor	factor	NOUN
easat-8097	198	22	analysis	analysis	NOUN
easat-8097	198	23	4.3.1	4.3.1	NUM
easat-8097	198	24	.	.	PUNCT
easat-8097	198	25	exploratory	exploratory	ADJ
easat-8097	198	26	factor	factor	NOUN
easat-8097	198	27	analysis	analysis	NOUN
easat-8097	198	28	with	with	ADP
easat-8097	198	29	independent	independent	ADJ
easat-8097	198	30	variables	variable	NOUN
easat-8097	198	31	based	base	VERB
easat-8097	198	32	on	on	ADP
easat-8097	198	33	the	the	DET
easat-8097	198	34	reliability	reliability	NOUN
easat-8097	198	35	test	test	NOUN
easat-8097	198	36	results	result	NOUN
easat-8097	198	37	presented	present	VERB
easat-8097	198	38	in	in	ADP
easat-8097	198	39	the	the	DET
easat-8097	198	40	previous	previous	ADJ
easat-8097	198	41	section	section	NOUN
easat-8097	198	42	,	,	PUNCT
easat-8097	198	43	exploratory	exploratory	ADJ
easat-8097	198	44	factor	factor	NOUN
easat-8097	198	45	analysis	analysis	NOUN
easat-8097	198	46	(	(	PUNCT
easat-8097	198	47	efa	efa	PROPN
easat-8097	198	48	)	)	PUNCT
easat-8097	198	49	was	be	AUX
easat-8097	198	50	conducted	conduct	VERB
easat-8097	198	51	on	on	ADP
easat-8097	198	52	the	the	DET
easat-8097	198	53	independent	independent	ADJ
easat-8097	198	54	variables	variable	NOUN
easat-8097	198	55	.	.	PUNCT
easat-8097	199	1	the	the	DET
easat-8097	199	2	kaiser	kaiser	PROPN
easat-8097	199	3	-	-	PUNCT
easat-8097	199	4	meyer	meyer	PROPN
easat-8097	199	5	-	-	PUNCT
easat-8097	199	6	olkin	olkin	PROPN
easat-8097	199	7	(	(	PUNCT
easat-8097	199	8	kmo	kmo	NOUN
easat-8097	199	9	)	)	PUNCT
easat-8097	199	10	coefficient	coefficient	NOUN
easat-8097	199	11	was	be	AUX
easat-8097	199	12	found	find	VERB
easat-8097	199	13	to	to	PART
easat-8097	199	14	be	be	AUX
easat-8097	199	15	0.817	0.817	NUM
easat-8097	199	16	,	,	PUNCT
easat-8097	199	17	exceeding	exceed	VERB
easat-8097	199	18	the	the	DET
easat-8097	199	19	recommended	recommend	VERB
easat-8097	199	20	threshold	threshold	NOUN
easat-8097	199	21	of	of	ADP
easat-8097	199	22	0.5	0.5	NUM
easat-8097	199	23	,	,	PUNCT
easat-8097	199	24	while	while	SCONJ
easat-8097	199	25	bartlett	bartlett	PROPN
easat-8097	199	26	’s	’s	PART
easat-8097	199	27	test	test	NOUN
easat-8097	199	28	of	of	ADP
easat-8097	199	29	sphericity	sphericity	PROPN
easat-8097	199	30	yielded	yield	VERB
easat-8097	199	31	a	a	DET
easat-8097	199	32	significance	significance	NOUN
easat-8097	199	33	value	value	NOUN
easat-8097	199	34	of	of	ADP
easat-8097	199	35	0.000	0.000	NUM
easat-8097	199	36	,	,	PUNCT
easat-8097	199	37	which	which	PRON
easat-8097	199	38	is	be	AUX
easat-8097	199	39	less	less	ADJ
easat-8097	199	40	than	than	ADP
easat-8097	199	41	0.05	0.05	NUM
easat-8097	199	42	.	.	PUNCT
easat-8097	200	1	these	these	DET
easat-8097	200	2	results	result	NOUN
easat-8097	200	3	confirm	confirm	VERB
easat-8097	200	4	that	that	SCONJ
easat-8097	200	5	the	the	DET
easat-8097	200	6	data	datum	NOUN
easat-8097	200	7	set	set	VERB
easat-8097	200	8	is	be	AUX
easat-8097	200	9	1223	1223	NUM
easat-8097	200	10	edelweiss	edelweiss	PROPN
easat-8097	200	11	applied	apply	VERB
easat-8097	200	12	science	science	NOUN
easat-8097	200	13	and	and	CCONJ
easat-8097	200	14	technology	technology	NOUN
easat-8097	200	15	issn	issn	PROPN
easat-8097	200	16	:	:	PUNCT
easat-8097	200	17	2576	2576	NUM
easat-8097	200	18	-	-	SYM
easat-8097	200	19	8484	8484	NUM
easat-8097	200	20	vol	vol	NOUN
easat-8097	200	21	.	.	PROPN
easat-8097	201	1	9	9	NUM
easat-8097	201	2	,	,	PUNCT
easat-8097	201	3	no	no	INTJ
easat-8097	201	4	.	.	NOUN
easat-8097	201	5	6	6	NUM
easat-8097	201	6	:	:	SYM
easat-8097	201	7	1215	1215	NUM
easat-8097	201	8	-	-	SYM
easat-8097	201	9	1232	1232	NUM
easat-8097	201	10	,	,	PUNCT
easat-8097	201	11	2025	2025	NUM
easat-8097	201	12	doi	doi	NOUN
easat-8097	201	13	:	:	PUNCT
easat-8097	201	14	10.55214/25768484.v9i6.8097	10.55214/25768484.v9i6.8097	NUM
easat-8097	201	15	©	©	PROPN
easat-8097	201	16	2025	2025	NUM
easat-8097	201	17	by	by	ADP
easat-8097	201	18	the	the	DET
easat-8097	201	19	authors	author	NOUN
easat-8097	201	20	;	;	PUNCT
easat-8097	202	1	licensee	licensee	PROPN
easat-8097	202	2	learning	learn	VERB
easat-8097	202	3	gate	gate	NOUN
easat-8097	202	4	appropriate	appropriate	ADJ
easat-8097	202	5	for	for	ADP
easat-8097	202	6	factor	factor	NOUN
easat-8097	202	7	analysis	analysis	NOUN
easat-8097	202	8	,	,	PUNCT
easat-8097	202	9	with	with	ADP
easat-8097	202	10	a	a	DET
easat-8097	202	11	high	high	ADJ
easat-8097	202	12	degree	degree	NOUN
easat-8097	202	13	of	of	ADP
easat-8097	202	14	intercorrelation	intercorrelation	NOUN
easat-8097	202	15	among	among	ADP
easat-8097	202	16	the	the	DET
easat-8097	202	17	observed	observed	ADJ
easat-8097	202	18	variables	variable	NOUN
easat-8097	202	19	.	.	PUNCT
easat-8097	203	1	the	the	DET
easat-8097	203	2	detailed	detailed	ADJ
easat-8097	203	3	output	output	NOUN
easat-8097	203	4	is	be	AUX
easat-8097	203	5	presented	present	VERB
easat-8097	203	6	in	in	ADP
easat-8097	203	7	table	table	NOUN
easat-8097	203	8	3	3	NUM
easat-8097	203	9	:	:	PUNCT
easat-8097	203	10	table	table	NOUN
easat-8097	203	11	3	3	NUM
easat-8097	203	12	.	.	X
easat-8097	203	13	kmo	kmo	PROPN
easat-8097	203	14	and	and	CCONJ
easat-8097	203	15	bartlett	bartlett	PROPN
easat-8097	203	16	test	test	NOUN
easat-8097	203	17	of	of	ADP
easat-8097	203	18	independent	independent	ADJ
easat-8097	203	19	variables	variable	NOUN
easat-8097	203	20	.	.	PUNCT
easat-8097	204	1	kaiser	kaiser	PROPN
easat-8097	204	2	-	-	PUNCT
easat-8097	204	3	meyer	meyer	PROPN
easat-8097	204	4	-	-	PUNCT
easat-8097	204	5	olkin	olkin	NOUN
easat-8097	204	6	measure	measure	NOUN
easat-8097	204	7	of	of	ADP
easat-8097	204	8	sampling	sample	VERB
easat-8097	204	9	adequacy	adequacy	NOUN
easat-8097	204	10	.	.	PUNCT
easat-8097	205	1	0.817	0.817	NUM
easat-8097	205	2	bartlett	bartlett	PROPN
easat-8097	205	3	's	's	PART
easat-8097	205	4	test	test	NOUN
easat-8097	205	5	of	of	ADP
easat-8097	205	6	sphericity	sphericity	PROPN
easat-8097	205	7	approx	approx	PROPN
easat-8097	205	8	.	.	PUNCT
easat-8097	206	1	chi	chi	ADJ
easat-8097	206	2	-	-	PUNCT
easat-8097	206	3	square	square	ADJ
easat-8097	206	4	3686.039	3686.039	NUM
easat-8097	206	5	df	df	PROPN
easat-8097	206	6	276	276	NUM
easat-8097	206	7	sig	sig	NOUN
easat-8097	206	8	.	.	PUNCT
easat-8097	207	1	0.000	0.000	NUM
easat-8097	207	2	table	table	NOUN
easat-8097	207	3	4	4	NUM
easat-8097	207	4	.	.	PUNCT
easat-8097	207	5	total	total	ADJ
easat-8097	207	6	variance	variance	NOUN
easat-8097	207	7	explained	explain	VERB
easat-8097	207	8	of	of	ADP
easat-8097	207	9	independent	independent	ADJ
easat-8097	207	10	variables	variable	NOUN
easat-8097	207	11	.	.	PUNCT
easat-8097	208	1	component	component	NOUN
easat-8097	208	2	initial	initial	ADJ
easat-8097	208	3	eigenvalues	eigenvalue	VERB
easat-8097	208	4	extraction	extraction	NOUN
easat-8097	208	5	sums	sum	NOUN
easat-8097	208	6	of	of	ADP
easat-8097	208	7	squared	square	VERB
easat-8097	208	8	loadings	loading	NOUN
easat-8097	208	9	rotation	rotation	NOUN
easat-8097	208	10	sums	sum	NOUN
easat-8097	208	11	of	of	ADP
easat-8097	208	12	squared	square	VERB
easat-8097	208	13	loadings	loading	NOUN
easat-8097	208	14	total	total	ADJ
easat-8097	208	15	%	%	NOUN
easat-8097	208	16	of	of	ADP
easat-8097	208	17	variance	variance	NOUN
easat-8097	208	18	cumulative	cumulative	ADJ
easat-8097	208	19	%	%	NOUN
easat-8097	208	20	total	total	ADJ
easat-8097	208	21	%	%	NOUN
easat-8097	208	22	of	of	ADP
easat-8097	208	23	variance	variance	NOUN
easat-8097	208	24	cumulative	cumulative	ADJ
easat-8097	208	25	%	%	NOUN
easat-8097	208	26	total	total	ADJ
easat-8097	208	27	%	%	NOUN
easat-8097	208	28	of	of	ADP
easat-8097	208	29	variance	variance	NOUN
easat-8097	208	30	cumulative	cumulative	ADJ
easat-8097	208	31	%	%	NOUN
easat-8097	208	32	1	1	NUM
easat-8097	208	33	6.649	6.649	NUM
easat-8097	208	34	27.702	27.702	NUM
easat-8097	208	35	27.702	27.702	NUM
easat-8097	208	36	6.649	6.649	NUM
easat-8097	208	37	27.702	27.702	NUM
easat-8097	208	38	27.702	27.702	NUM
easat-8097	208	39	2.99	2.99	NUM
easat-8097	208	40	12.459	12.459	NUM
easat-8097	208	41	12.459	12.459	NUM
easat-8097	208	42	2	2	NUM
easat-8097	208	43	2.563	2.563	NUM
easat-8097	208	44	10.679	10.679	NUM
easat-8097	208	45	38.381	38.381	NUM
easat-8097	208	46	2.563	2.563	NUM
easat-8097	208	47	10.679	10.679	NUM
easat-8097	208	48	38.381	38.381	NUM
easat-8097	208	49	2.922	2.922	NUM
easat-8097	208	50	12.177	12.177	NUM
easat-8097	208	51	24.636	24.636	NUM
easat-8097	208	52	3	3	NUM
easat-8097	208	53	2.337	2.337	NUM
easat-8097	208	54	9.736	9.736	NUM
easat-8097	208	55	48.118	48.118	NUM
easat-8097	208	56	2.337	2.337	NUM
easat-8097	208	57	9.736	9.736	NUM
easat-8097	208	58	48.118	48.118	NUM
easat-8097	208	59	2.823	2.823	NUM
easat-8097	208	60	11.764	11.764	NUM
easat-8097	208	61	36.4	36.4	NUM
easat-8097	208	62	4	4	NUM
easat-8097	208	63	1.630	1.630	NUM
easat-8097	208	64	6.791	6.791	NUM
easat-8097	208	65	54.909	54.909	NUM
easat-8097	208	66	1.63	1.63	NUM
easat-8097	208	67	6.791	6.791	NUM
easat-8097	208	68	54.909	54.909	NUM
easat-8097	208	69	2.461	2.461	NUM
easat-8097	208	70	10.253	10.253	NUM
easat-8097	209	1	46.653	46.653	NUM
easat-8097	209	2	5	5	NUM
easat-8097	209	3	1.460	1.460	NUM
easat-8097	209	4	6.083	6.083	NUM
easat-8097	209	5	60.992	60.992	NUM
easat-8097	209	6	1.46	1.46	NUM
easat-8097	209	7	6.083	6.083	NUM
easat-8097	209	8	60.992	60.992	NUM
easat-8097	209	9	2.437	2.437	NUM
easat-8097	209	10	10.153	10.153	NUM
easat-8097	209	11	56.806	56.806	NUM
easat-8097	209	12	6	6	NUM
easat-8097	209	13	1.307	1.307	NUM
easat-8097	209	14	5.445	5.445	NUM
easat-8097	209	15	66.437	66.437	NUM
easat-8097	209	16	1.307	1.307	NUM
easat-8097	209	17	5.445	5.445	NUM
easat-8097	209	18	66.437	66.437	NUM
easat-8097	209	19	2.311	2.311	NUM
easat-8097	209	20	9.631	9.631	NUM
easat-8097	209	21	66.437	66.437	NUM
easat-8097	209	22	the	the	DET
easat-8097	209	23	analysis	analysis	NOUN
easat-8097	209	24	of	of	ADP
easat-8097	209	25	total	total	ADJ
easat-8097	209	26	variance	variance	NOUN
easat-8097	209	27	explained	explain	VERB
easat-8097	209	28	for	for	ADP
easat-8097	209	29	the	the	DET
easat-8097	209	30	independent	independent	ADJ
easat-8097	209	31	variables	variable	NOUN
easat-8097	209	32	reveals	reveal	VERB
easat-8097	209	33	the	the	DET
easat-8097	209	34	proportion	proportion	NOUN
easat-8097	209	35	of	of	ADP
easat-8097	209	36	variance	variance	NOUN
easat-8097	209	37	accounted	account	VERB
easat-8097	209	38	for	for	ADP
easat-8097	209	39	by	by	ADP
easat-8097	209	40	each	each	DET
easat-8097	209	41	factor	factor	NOUN
easat-8097	209	42	following	follow	VERB
easat-8097	209	43	extraction	extraction	NOUN
easat-8097	209	44	and	and	CCONJ
easat-8097	209	45	rotation	rotation	NOUN
easat-8097	209	46	.	.	PUNCT
easat-8097	210	1	the	the	DET
easat-8097	210	2	first	first	ADJ
easat-8097	210	3	component	component	NOUN
easat-8097	210	4	,	,	PUNCT
easat-8097	210	5	with	with	ADP
easat-8097	210	6	an	an	DET
easat-8097	210	7	eigenvalue	eigenvalue	NOUN
easat-8097	210	8	of	of	ADP
easat-8097	210	9	6.649	6.649	NUM
easat-8097	210	10	,	,	PUNCT
easat-8097	210	11	explains	explain	VERB
easat-8097	210	12	27.702	27.702	NUM
easat-8097	210	13	%	%	NOUN
easat-8097	210	14	of	of	ADP
easat-8097	210	15	the	the	DET
easat-8097	210	16	variance	variance	NOUN
easat-8097	210	17	,	,	PUNCT
easat-8097	210	18	contributing	contribute	VERB
easat-8097	210	19	to	to	ADP
easat-8097	210	20	a	a	DET
easat-8097	210	21	cumulative	cumulative	ADJ
easat-8097	210	22	variance	variance	NOUN
easat-8097	210	23	of	of	ADP
easat-8097	210	24	27.702	27.702	NUM
easat-8097	210	25	%	%	NOUN
easat-8097	210	26	.	.	PUNCT
easat-8097	211	1	post	post	ADJ
easat-8097	211	2	-	-	NOUN
easat-8097	211	3	rotation	rotation	ADJ
easat-8097	211	4	,	,	PUNCT
easat-8097	211	5	this	this	DET
easat-8097	211	6	component	component	NOUN
easat-8097	211	7	accounts	account	VERB
easat-8097	211	8	for	for	ADP
easat-8097	211	9	12.459	12.459	NUM
easat-8097	211	10	%	%	NOUN
easat-8097	211	11	of	of	ADP
easat-8097	211	12	the	the	DET
easat-8097	211	13	variance	variance	NOUN
easat-8097	211	14	,	,	PUNCT
easat-8097	211	15	maintaining	maintain	VERB
easat-8097	211	16	the	the	DET
easat-8097	211	17	same	same	ADJ
easat-8097	211	18	cumulative	cumulative	ADJ
easat-8097	211	19	percentage	percentage	NOUN
easat-8097	211	20	.	.	PUNCT
easat-8097	212	1	the	the	DET
easat-8097	212	2	second	second	ADJ
easat-8097	212	3	component	component	NOUN
easat-8097	212	4	,	,	PUNCT
easat-8097	212	5	with	with	ADP
easat-8097	212	6	an	an	DET
easat-8097	212	7	eigenvalue	eigenvalue	NOUN
easat-8097	212	8	of	of	ADP
easat-8097	212	9	2.563	2.563	NUM
easat-8097	212	10	,	,	PUNCT
easat-8097	212	11	contributes	contribute	VERB
easat-8097	212	12	10.679	10.679	NUM
easat-8097	212	13	%	%	NOUN
easat-8097	212	14	to	to	ADP
easat-8097	212	15	the	the	DET
easat-8097	212	16	variance	variance	NOUN
easat-8097	212	17	,	,	PUNCT
easat-8097	212	18	increasing	increase	VERB
easat-8097	212	19	to	to	ADP
easat-8097	212	20	12.177	12.177	NUM
easat-8097	212	21	%	%	NOUN
easat-8097	212	22	after	after	ADP
easat-8097	212	23	rotation	rotation	NOUN
easat-8097	212	24	,	,	PUNCT
easat-8097	212	25	with	with	ADP
easat-8097	212	26	a	a	DET
easat-8097	212	27	cumulative	cumulative	ADJ
easat-8097	212	28	variance	variance	NOUN
easat-8097	212	29	of	of	ADP
easat-8097	212	30	24.636	24.636	NUM
easat-8097	212	31	%	%	NOUN
easat-8097	212	32	.	.	PUNCT
easat-8097	213	1	the	the	DET
easat-8097	213	2	third	third	ADJ
easat-8097	213	3	component	component	NOUN
easat-8097	213	4	,	,	PUNCT
easat-8097	213	5	with	with	ADP
easat-8097	213	6	an	an	DET
easat-8097	213	7	eigenvalue	eigenvalue	NOUN
easat-8097	213	8	of	of	ADP
easat-8097	213	9	2.337	2.337	NUM
easat-8097	213	10	,	,	PUNCT
easat-8097	213	11	accounts	account	VERB
easat-8097	213	12	for	for	ADP
easat-8097	213	13	9.736	9.736	NUM
easat-8097	213	14	%	%	NOUN
easat-8097	213	15	of	of	ADP
easat-8097	213	16	the	the	DET
easat-8097	213	17	variance	variance	NOUN
easat-8097	213	18	,	,	PUNCT
easat-8097	213	19	rising	rise	VERB
easat-8097	213	20	to	to	ADP
easat-8097	213	21	11.764	11.764	NUM
easat-8097	213	22	%	%	NOUN
easat-8097	213	23	post	post	ADJ
easat-8097	213	24	-	-	NOUN
easat-8097	213	25	rotation	rotation	NOUN
easat-8097	213	26	,	,	PUNCT
easat-8097	213	27	resulting	result	VERB
easat-8097	213	28	in	in	ADP
easat-8097	213	29	a	a	DET
easat-8097	213	30	cumulative	cumulative	ADJ
easat-8097	213	31	variance	variance	NOUN
easat-8097	213	32	of	of	ADP
easat-8097	213	33	36.4	36.4	NUM
easat-8097	213	34	%	%	NOUN
easat-8097	213	35	.	.	PUNCT
easat-8097	214	1	the	the	DET
easat-8097	214	2	fourth	fourth	ADJ
easat-8097	214	3	component	component	NOUN
easat-8097	214	4	,	,	PUNCT
easat-8097	214	5	with	with	ADP
easat-8097	214	6	an	an	DET
easat-8097	214	7	eigenvalue	eigenvalue	NOUN
easat-8097	214	8	of	of	ADP
easat-8097	214	9	1.63	1.63	NUM
easat-8097	214	10	,	,	PUNCT
easat-8097	214	11	explains	explain	VERB
easat-8097	214	12	6.791	6.791	NUM
easat-8097	214	13	%	%	NOUN
easat-8097	214	14	of	of	ADP
easat-8097	214	15	the	the	DET
easat-8097	214	16	variance	variance	NOUN
easat-8097	214	17	,	,	PUNCT
easat-8097	214	18	which	which	PRON
easat-8097	214	19	adjusts	adjust	VERB
easat-8097	214	20	to	to	ADP
easat-8097	214	21	10.253	10.253	NUM
easat-8097	214	22	%	%	NOUN
easat-8097	214	23	after	after	ADP
easat-8097	214	24	rotation	rotation	NOUN
easat-8097	214	25	,	,	PUNCT
easat-8097	214	26	yielding	yield	VERB
easat-8097	214	27	a	a	DET
easat-8097	214	28	cumulative	cumulative	ADJ
easat-8097	214	29	variance	variance	NOUN
easat-8097	214	30	of	of	ADP
easat-8097	214	31	46.653	46.653	NUM
easat-8097	214	32	%	%	NOUN
easat-8097	214	33	.	.	PUNCT
easat-8097	215	1	the	the	DET
easat-8097	215	2	fifth	fifth	ADJ
easat-8097	215	3	component	component	NOUN
easat-8097	215	4	,	,	PUNCT
easat-8097	215	5	with	with	ADP
easat-8097	215	6	an	an	DET
easat-8097	215	7	eigenvalue	eigenvalue	NOUN
easat-8097	215	8	of	of	ADP
easat-8097	215	9	1.46	1.46	NUM
easat-8097	215	10	,	,	PUNCT
easat-8097	215	11	represents	represent	VERB
easat-8097	215	12	6.083	6.083	NUM
easat-8097	215	13	%	%	NOUN
easat-8097	215	14	of	of	ADP
easat-8097	215	15	the	the	DET
easat-8097	215	16	variance	variance	NOUN
easat-8097	215	17	,	,	PUNCT
easat-8097	215	18	increasing	increase	VERB
easat-8097	215	19	to	to	ADP
easat-8097	215	20	10.153	10.153	NUM
easat-8097	215	21	%	%	NOUN
easat-8097	215	22	post	post	NOUN
easat-8097	215	23	-	-	NOUN
easat-8097	215	24	rotation	rotation	NOUN
easat-8097	215	25	,	,	PUNCT
easat-8097	215	26	with	with	ADP
easat-8097	215	27	a	a	DET
easat-8097	215	28	cumulative	cumulative	ADJ
easat-8097	215	29	variance	variance	NOUN
easat-8097	215	30	of	of	ADP
easat-8097	215	31	56.806	56.806	NUM
easat-8097	215	32	%	%	NOUN
easat-8097	215	33	.	.	PUNCT
easat-8097	216	1	finally	finally	ADV
easat-8097	216	2	,	,	PUNCT
easat-8097	216	3	the	the	DET
easat-8097	216	4	sixth	sixth	ADJ
easat-8097	216	5	component	component	NOUN
easat-8097	216	6	,	,	PUNCT
easat-8097	216	7	with	with	ADP
easat-8097	216	8	an	an	DET
easat-8097	216	9	eigenvalue	eigenvalue	NOUN
easat-8097	216	10	of	of	ADP
easat-8097	216	11	1.307	1.307	NUM
easat-8097	216	12	,	,	PUNCT
easat-8097	216	13	accounts	account	VERB
easat-8097	216	14	for	for	ADP
easat-8097	216	15	5.445	5.445	NUM
easat-8097	216	16	%	%	NOUN
easat-8097	216	17	of	of	ADP
easat-8097	216	18	the	the	DET
easat-8097	216	19	variance	variance	NOUN
easat-8097	216	20	,	,	PUNCT
easat-8097	216	21	adjusting	adjust	VERB
easat-8097	216	22	to	to	ADP
easat-8097	216	23	9.631	9.631	NUM
easat-8097	216	24	%	%	NOUN
easat-8097	216	25	after	after	ADP
easat-8097	216	26	rotation	rotation	NOUN
easat-8097	216	27	,	,	PUNCT
easat-8097	216	28	culminating	culminate	VERB
easat-8097	216	29	in	in	ADP
easat-8097	216	30	a	a	DET
easat-8097	216	31	total	total	ADJ
easat-8097	216	32	cumulative	cumulative	ADJ
easat-8097	216	33	variance	variance	NOUN
easat-8097	216	34	of	of	ADP
easat-8097	216	35	66.437	66.437	NUM
easat-8097	216	36	%	%	NOUN
easat-8097	216	37	.	.	PUNCT
easat-8097	217	1	after	after	ADP
easat-8097	217	2	extracting	extract	VERB
easat-8097	217	3	and	and	CCONJ
easat-8097	217	4	rotating	rotate	VERB
easat-8097	217	5	the	the	DET
easat-8097	217	6	factors	factor	NOUN
easat-8097	217	7	,	,	PUNCT
easat-8097	217	8	the	the	DET
easat-8097	217	9	total	total	ADJ
easat-8097	217	10	explained	explain	VERB
easat-8097	217	11	variance	variance	NOUN
easat-8097	217	12	reached	reach	VERB
easat-8097	217	13	66.437	66.437	NUM
easat-8097	217	14	%	%	NOUN
easat-8097	217	15	with	with	ADP
easat-8097	217	16	the	the	DET
easat-8097	217	17	first	first	ADJ
easat-8097	217	18	6	6	NUM
easat-8097	217	19	components	component	NOUN
easat-8097	217	20	[	[	X
easat-8097	217	21	35	35	NUM
easat-8097	217	22	,	,	PUNCT
easat-8097	217	23	36	36	NUM
easat-8097	217	24	]	]	PUNCT
easat-8097	217	25	.	.	PUNCT
easat-8097	218	1	1224	1224	NUM
easat-8097	218	2	edelweiss	edelweiss	PROPN
easat-8097	218	3	applied	apply	VERB
easat-8097	218	4	science	science	NOUN
easat-8097	218	5	and	and	CCONJ
easat-8097	218	6	technology	technology	NOUN
easat-8097	218	7	issn	issn	PROPN
easat-8097	218	8	:	:	PUNCT
easat-8097	218	9	2576	2576	NUM
easat-8097	218	10	-	-	SYM
easat-8097	218	11	8484	8484	NUM
easat-8097	218	12	vol	vol	NOUN
easat-8097	218	13	.	.	PROPN
easat-8097	219	1	9	9	NUM
easat-8097	219	2	,	,	PUNCT
easat-8097	219	3	no	no	INTJ
easat-8097	219	4	.	.	NOUN
easat-8097	219	5	6	6	NUM
easat-8097	219	6	:	:	SYM
easat-8097	219	7	1215	1215	NUM
easat-8097	219	8	-	-	SYM
easat-8097	219	9	1232	1232	NUM
easat-8097	219	10	,	,	PUNCT
easat-8097	219	11	2025	2025	NUM
easat-8097	219	12	doi	doi	NOUN
easat-8097	219	13	:	:	PUNCT
easat-8097	219	14	10.55214/25768484.v9i6.8097	10.55214/25768484.v9i6.8097	NUM
easat-8097	219	15	©	©	PROPN
easat-8097	219	16	2025	2025	NUM
easat-8097	219	17	by	by	ADP
easat-8097	219	18	the	the	DET
easat-8097	219	19	authors	author	NOUN
easat-8097	219	20	;	;	PUNCT
easat-8097	219	21	licensee	licensee	PROPN
easat-8097	219	22	learning	learn	VERB
easat-8097	219	23	gate	gate	NOUN
easat-8097	219	24	table	table	NOUN
easat-8097	219	25	5	5	NUM
easat-8097	219	26	.	.	PUNCT
easat-8097	219	27	rotated	rotate	VERB
easat-8097	219	28	component	component	NOUN
easat-8097	219	29	matrix	matrix	NOUN
easat-8097	219	30	of	of	ADP
easat-8097	219	31	independent	independent	ADJ
easat-8097	219	32	variables	variable	NOUN
easat-8097	219	33	.	.	PUNCT
easat-8097	220	1	component	component	NOUN
easat-8097	220	2	1	1	NUM
easat-8097	220	3	2	2	NUM
easat-8097	220	4	3	3	NUM
easat-8097	220	5	4	4	NUM
easat-8097	220	6	5	5	NUM
easat-8097	220	7	6	6	NUM
easat-8097	220	8	ti4	ti4	NOUN
easat-8097	220	9	0.867	0.867	NUM
easat-8097	220	10	ti3	ti3	NOUN
easat-8097	220	11	0.800	0.800	NUM
easat-8097	220	12	ti2	ti2	PROPN
easat-8097	220	13	0.748	0.748	NUM
easat-8097	220	14	ti1	ti1	PROPN
easat-8097	220	15	0.739	0.739	NUM
easat-8097	220	16	nt3	nt3	ADP
easat-8097	220	17	0.806	0.806	NUM
easat-8097	220	18	nt2	nt2	AUX
easat-8097	220	19	0.780	0.780	NUM
easat-8097	220	20	nt4	nt4	PROPN
easat-8097	220	21	0.770	0.770	NUM
easat-8097	220	22	nt1	nt1	NOUN
easat-8097	220	23	0.749	0.749	NUM
easat-8097	220	24	du1	du1	VERB
easat-8097	220	25	0.808	0.808	NUM
easat-8097	220	26	du2	du2	NOUN
easat-8097	220	27	0.747	0.747	NUM
easat-8097	220	28	du3	du3	PROPN
easat-8097	220	29	0.708	0.708	NUM
easat-8097	220	30	du4	du4	NOUN
easat-8097	220	31	0.687	0.687	NUM
easat-8097	220	32	cp1	cp1	PROPN
easat-8097	220	33	0.784	0.784	NUM
easat-8097	220	34	cp2	cp2	PROPN
easat-8097	220	35	0.734	0.734	NUM
easat-8097	220	36	cp3	cp3	NOUN
easat-8097	220	37	0.683	0.683	NUM
easat-8097	220	38	cp4	cp4	VERB
easat-8097	220	39	0.537	0.537	NUM
easat-8097	220	40	ccq1	ccq1	NOUN
easat-8097	220	41	0.729	0.729	NUM
easat-8097	220	42	ccq4	ccq4	PROPN
easat-8097	220	43	0.680	0.680	NUM
easat-8097	220	44	ccq3	ccq3	NOUN
easat-8097	220	45	0.652	0.652	NUM
easat-8097	220	46	ccq2	ccq2	ADJ
easat-8097	220	47	0.563	0.563	NUM
easat-8097	220	48	td3	td3	NOUN
easat-8097	220	49	0.703	0.703	NUM
easat-8097	220	50	td1	td1	NOUN
easat-8097	220	51	0.622	0.622	NUM
easat-8097	220	52	td4	td4	PROPN
easat-8097	220	53	0.605	0.605	NUM
easat-8097	220	54	td2	td2	PROPN
easat-8097	220	55	0.603	0.603	NUM
easat-8097	220	56	the	the	DET
easat-8097	220	57	results	result	NOUN
easat-8097	220	58	of	of	ADP
easat-8097	220	59	the	the	DET
easat-8097	220	60	rotated	rotate	VERB
easat-8097	220	61	matrix	matrix	NOUN
easat-8097	220	62	indicate	indicate	VERB
easat-8097	220	63	the	the	DET
easat-8097	220	64	distribution	distribution	NOUN
easat-8097	220	65	of	of	ADP
easat-8097	220	66	observed	observed	ADJ
easat-8097	220	67	variables	variable	NOUN
easat-8097	220	68	into	into	ADP
easat-8097	220	69	components	component	NOUN
easat-8097	220	70	after	after	ADP
easat-8097	220	71	applying	apply	VERB
easat-8097	220	72	varimax	varimax	ADJ
easat-8097	220	73	rotation	rotation	NOUN
easat-8097	220	74	.	.	PUNCT
easat-8097	221	1	specifically	specifically	ADV
easat-8097	221	2	,	,	PUNCT
easat-8097	221	3	the	the	DET
easat-8097	221	4	variables	variable	NOUN
easat-8097	221	5	related	relate	VERB
easat-8097	221	6	to	to	ADP
easat-8097	221	7	"	"	PUNCT
easat-8097	221	8	information	information	NOUN
easat-8097	221	9	"	"	PUNCT
easat-8097	221	10	(	(	PUNCT
easat-8097	221	11	ti	ti	NOUN
easat-8097	221	12	)	)	PUNCT
easat-8097	221	13	such	such	ADJ
easat-8097	221	14	as	as	ADP
easat-8097	221	15	ti4	ti4	NOUN
easat-8097	221	16	,	,	PUNCT
easat-8097	221	17	ti3	ti3	PROPN
easat-8097	221	18	,	,	PUNCT
easat-8097	221	19	ti2	ti2	PROPN
easat-8097	221	20	and	and	CCONJ
easat-8097	221	21	ti1	ti1	PROPN
easat-8097	221	22	have	have	VERB
easat-8097	221	23	high	high	ADJ
easat-8097	221	24	factor	factor	NOUN
easat-8097	221	25	loading	loading	NOUN
easat-8097	221	26	values	value	NOUN
easat-8097	221	27	on	on	ADP
easat-8097	221	28	the	the	DET
easat-8097	221	29	first	first	ADJ
easat-8097	221	30	component	component	NOUN
easat-8097	221	31	,	,	PUNCT
easat-8097	221	32	with	with	ADP
easat-8097	221	33	values	value	NOUN
easat-8097	221	34	of	of	ADP
easat-8097	221	35	0.867	0.867	NUM
easat-8097	221	36	,	,	PUNCT
easat-8097	221	37	0.800	0.800	NUM
easat-8097	221	38	,	,	PUNCT
easat-8097	221	39	0.748	0.748	NUM
easat-8097	221	40	and	and	CCONJ
easat-8097	221	41	0.739	0.739	NUM
easat-8097	221	42	,	,	PUNCT
easat-8097	221	43	respectively	respectively	ADV
easat-8097	221	44	.	.	PUNCT
easat-8097	222	1	the	the	DET
easat-8097	222	2	second	second	ADJ
easat-8097	222	3	component	component	NOUN
easat-8097	222	4	mainly	mainly	ADV
easat-8097	222	5	consists	consist	VERB
easat-8097	222	6	of	of	ADP
easat-8097	222	7	"	"	PUNCT
easat-8097	222	8	information	information	NOUN
easat-8097	222	9	awareness	awareness	NOUN
easat-8097	222	10	"	"	PUNCT
easat-8097	222	11	(	(	PUNCT
easat-8097	222	12	nt	not	PART
easat-8097	222	13	)	)	PUNCT
easat-8097	222	14	variables	variable	NOUN
easat-8097	222	15	,	,	PUNCT
easat-8097	222	16	with	with	ADP
easat-8097	222	17	factor	factor	NOUN
easat-8097	222	18	loading	loading	NOUN
easat-8097	222	19	values	value	NOUN
easat-8097	222	20	of	of	ADP
easat-8097	222	21	0.806	0.806	NUM
easat-8097	222	22	,	,	PUNCT
easat-8097	222	23	0.780	0.780	NUM
easat-8097	222	24	,	,	PUNCT
easat-8097	222	25	0.770	0.770	NUM
easat-8097	222	26	and	and	CCONJ
easat-8097	222	27	0.749	0.749	NUM
easat-8097	222	28	for	for	ADP
easat-8097	222	29	nt3	nt3	NOUN
easat-8097	222	30	,	,	PUNCT
easat-8097	222	31	nt2	nt2	NOUN
easat-8097	222	32	,	,	PUNCT
easat-8097	222	33	nt4	nt4	PROPN
easat-8097	222	34	and	and	CCONJ
easat-8097	222	35	nt1	nt1	PROPN
easat-8097	222	36	,	,	PUNCT
easat-8097	222	37	respectively	respectively	ADV
easat-8097	222	38	.	.	PUNCT
easat-8097	223	1	the	the	DET
easat-8097	223	2	third	third	ADJ
easat-8097	223	3	component	component	NOUN
easat-8097	223	4	has	have	VERB
easat-8097	223	5	"	"	PUNCT
easat-8097	223	6	prediction	prediction	NOUN
easat-8097	223	7	"	"	PUNCT
easat-8097	223	8	(	(	PUNCT
easat-8097	223	9	du	du	NOUN
easat-8097	223	10	)	)	PUNCT
easat-8097	223	11	variables	variable	NOUN
easat-8097	223	12	,	,	PUNCT
easat-8097	223	13	with	with	ADP
easat-8097	223	14	loadings	loading	NOUN
easat-8097	223	15	of	of	ADP
easat-8097	223	16	0.808	0.808	NUM
easat-8097	223	17	,	,	PUNCT
easat-8097	223	18	0.747	0.747	NUM
easat-8097	223	19	,	,	PUNCT
easat-8097	223	20	0.708	0.708	NUM
easat-8097	223	21	and	and	CCONJ
easat-8097	223	22	0.687	0.687	NUM
easat-8097	223	23	for	for	ADP
easat-8097	223	24	du1	du1	PROPN
easat-8097	223	25	,	,	PUNCT
easat-8097	223	26	du2	du2	PROPN
easat-8097	223	27	,	,	PUNCT
easat-8097	223	28	du3	du3	PROPN
easat-8097	223	29	and	and	CCONJ
easat-8097	223	30	du4	du4	NOUN
easat-8097	223	31	,	,	PUNCT
easat-8097	223	32	respectively	respectively	ADV
easat-8097	223	33	.	.	PUNCT
easat-8097	224	1	the	the	DET
easat-8097	224	2	fourth	fourth	ADJ
easat-8097	224	3	component	component	NOUN
easat-8097	224	4	represents	represent	VERB
easat-8097	224	5	the	the	DET
easat-8097	224	6	variables	variable	NOUN
easat-8097	224	7	"	"	PUNCT
easat-8097	224	8	product	product	NOUN
easat-8097	224	9	quality	quality	NOUN
easat-8097	224	10	"	"	PUNCT
easat-8097	224	11	(	(	PUNCT
easat-8097	224	12	cp	cp	NOUN
easat-8097	224	13	)	)	PUNCT
easat-8097	224	14	,	,	PUNCT
easat-8097	224	15	with	with	ADP
easat-8097	224	16	loadings	loading	NOUN
easat-8097	224	17	of	of	ADP
easat-8097	224	18	0.784	0.784	NUM
easat-8097	224	19	,	,	PUNCT
easat-8097	224	20	0.734	0.734	NUM
easat-8097	224	21	,	,	PUNCT
easat-8097	224	22	0.683	0.683	NUM
easat-8097	224	23	,	,	PUNCT
easat-8097	224	24	and	and	CCONJ
easat-8097	224	25	0.537	0.537	NUM
easat-8097	224	26	for	for	ADP
easat-8097	224	27	variables	variable	NOUN
easat-8097	224	28	cp1	cp1	PROPN
easat-8097	224	29	,	,	PUNCT
easat-8097	224	30	cp2	cp2	PROPN
easat-8097	224	31	,	,	PUNCT
easat-8097	224	32	cp3	cp3	PROPN
easat-8097	224	33	,	,	PUNCT
easat-8097	224	34	and	and	CCONJ
easat-8097	224	35	cp4	cp4	PROPN
easat-8097	224	36	,	,	PUNCT
easat-8097	224	37	respectively	respectively	ADV
easat-8097	224	38	.	.	PUNCT
easat-8097	225	1	the	the	DET
easat-8097	225	2	fifth	fifth	ADJ
easat-8097	225	3	component	component	NOUN
easat-8097	225	4	relates	relate	VERB
easat-8097	225	5	to	to	ADP
easat-8097	225	6	"	"	PUNCT
easat-8097	225	7	subjective	subjective	ADJ
easat-8097	225	8	norms	norm	NOUN
easat-8097	225	9	"	"	PUNCT
easat-8097	225	10	(	(	PUNCT
easat-8097	225	11	ccq	ccq	PROPN
easat-8097	225	12	)	)	PUNCT
easat-8097	225	13	,	,	PUNCT
easat-8097	225	14	with	with	ADP
easat-8097	225	15	variables	variable	NOUN
easat-8097	225	16	ccq1	ccq1	PROPN
easat-8097	225	17	,	,	PUNCT
easat-8097	225	18	ccq4	ccq4	NOUN
easat-8097	225	19	,	,	PUNCT
easat-8097	225	20	ccq3	ccq3	NOUN
easat-8097	225	21	,	,	PUNCT
easat-8097	225	22	and	and	CCONJ
easat-8097	225	23	ccq2	ccq2	ADJ
easat-8097	225	24	having	have	VERB
easat-8097	225	25	loadings	loading	NOUN
easat-8097	225	26	of	of	ADP
easat-8097	225	27	0.729	0.729	NUM
easat-8097	225	28	,	,	PUNCT
easat-8097	225	29	0.680	0.680	NUM
easat-8097	225	30	,	,	PUNCT
easat-8097	225	31	0.652	0.652	NUM
easat-8097	225	32	,	,	PUNCT
easat-8097	225	33	and	and	CCONJ
easat-8097	225	34	0.563	0.563	NUM
easat-8097	225	35	,	,	PUNCT
easat-8097	225	36	respectively	respectively	ADV
easat-8097	225	37	.	.	PUNCT
easat-8097	226	1	finally	finally	ADV
easat-8097	226	2	,	,	PUNCT
easat-8097	226	3	the	the	DET
easat-8097	226	4	sixth	sixth	ADJ
easat-8097	226	5	component	component	NOUN
easat-8097	226	6	represents	represent	VERB
easat-8097	226	7	"	"	PUNCT
easat-8097	226	8	attitude	attitude	NOUN
easat-8097	226	9	toward	toward	ADP
easat-8097	226	10	information	information	NOUN
easat-8097	226	11	"	"	PUNCT
easat-8097	226	12	(	(	PUNCT
easat-8097	226	13	td	td	NOUN
easat-8097	226	14	)	)	PUNCT
easat-8097	226	15	,	,	PUNCT
easat-8097	226	16	with	with	ADP
easat-8097	226	17	loadings	loading	NOUN
easat-8097	226	18	of	of	ADP
easat-8097	226	19	0.703	0.703	NUM
easat-8097	226	20	,	,	PUNCT
easat-8097	226	21	0.622	0.622	NUM
easat-8097	226	22	,	,	PUNCT
easat-8097	226	23	0.605	0.605	NUM
easat-8097	226	24	,	,	PUNCT
easat-8097	226	25	and	and	CCONJ
easat-8097	226	26	0.603	0.603	NUM
easat-8097	226	27	for	for	ADP
easat-8097	226	28	variables	variable	NOUN
easat-8097	226	29	td3	td3	NOUN
easat-8097	226	30	,	,	PUNCT
easat-8097	226	31	td1	td1	PROPN
easat-8097	226	32	,	,	PUNCT
easat-8097	226	33	td4	td4	PROPN
easat-8097	226	34	,	,	PUNCT
easat-8097	226	35	and	and	CCONJ
easat-8097	226	36	td2	td2	PROPN
easat-8097	226	37	,	,	PUNCT
easat-8097	226	38	respectively	respectively	ADV
easat-8097	226	39	.	.	PUNCT
easat-8097	227	1	the	the	DET
easat-8097	227	2	results	result	NOUN
easat-8097	227	3	of	of	ADP
easat-8097	227	4	this	this	DET
easat-8097	227	5	analysis	analysis	NOUN
easat-8097	227	6	demonstrate	demonstrate	VERB
easat-8097	227	7	that	that	SCONJ
easat-8097	227	8	the	the	DET
easat-8097	227	9	observed	observed	ADJ
easat-8097	227	10	variables	variable	NOUN
easat-8097	227	11	are	be	AUX
easat-8097	227	12	clearly	clearly	ADV
easat-8097	227	13	distributed	distribute	VERB
easat-8097	227	14	into	into	ADP
easat-8097	227	15	factor	factor	NOUN
easat-8097	227	16	groups	group	NOUN
easat-8097	227	17	,	,	PUNCT
easat-8097	227	18	indicating	indicate	VERB
easat-8097	227	19	that	that	SCONJ
easat-8097	227	20	the	the	DET
easat-8097	227	21	factor	factor	NOUN
easat-8097	227	22	analysis	analysis	NOUN
easat-8097	227	23	model	model	NOUN
easat-8097	227	24	has	have	AUX
easat-8097	227	25	been	be	AUX
easat-8097	227	26	performed	perform	VERB
easat-8097	227	27	reasonably	reasonably	ADV
easat-8097	227	28	and	and	CCONJ
easat-8097	227	29	the	the	DET
easat-8097	227	30	scales	scale	NOUN
easat-8097	227	31	are	be	AUX
easat-8097	227	32	highly	highly	ADV
easat-8097	227	33	valid	valid	ADJ
easat-8097	227	34	.	.	PUNCT
easat-8097	228	1	4.3.2	4.3.2	X
easat-8097	228	2	.	.	PUNCT
easat-8097	229	1	exploratory	exploratory	ADJ
easat-8097	229	2	factor	factor	NOUN
easat-8097	229	3	analysis	analysis	NOUN
easat-8097	229	4	with	with	ADP
easat-8097	229	5	dependent	dependent	ADJ
easat-8097	229	6	variable	variable	ADJ
easat-8097	229	7	table	table	NOUN
easat-8097	229	8	6	6	NUM
easat-8097	229	9	.	.	PUNCT
easat-8097	230	1	kmo	kmo	PROPN
easat-8097	230	2	and	and	CCONJ
easat-8097	230	3	bartlett	bartlett	PROPN
easat-8097	230	4	test	test	NOUN
easat-8097	230	5	of	of	ADP
easat-8097	230	6	dependent	dependent	ADJ
easat-8097	230	7	variable	variable	NOUN
easat-8097	230	8	.	.	PUNCT
easat-8097	231	1	kaiser	kaiser	PROPN
easat-8097	231	2	-	-	PUNCT
easat-8097	231	3	meyer	meyer	PROPN
easat-8097	231	4	-	-	PUNCT
easat-8097	231	5	olkin	olkin	NOUN
easat-8097	231	6	measure	measure	NOUN
easat-8097	231	7	of	of	ADP
easat-8097	231	8	sampling	sample	VERB
easat-8097	231	9	adequacy	adequacy	NOUN
easat-8097	231	10	0.694	0.694	NUM
easat-8097	231	11	bartlett	bartlett	PROPN
easat-8097	231	12	's	's	PART
easat-8097	231	13	test	test	NOUN
easat-8097	231	14	of	of	ADP
easat-8097	231	15	sphericity	sphericity	PROPN
easat-8097	231	16	approx	approx	PROPN
easat-8097	231	17	.	.	PUNCT
easat-8097	232	1	chi	chi	ADJ
easat-8097	232	2	-	-	PUNCT
easat-8097	232	3	square	square	ADJ
easat-8097	232	4	294.994	294.994	NUM
easat-8097	232	5	df	df	PROPN
easat-8097	232	6	3	3	NUM
easat-8097	232	7	sig	sig	NOUN
easat-8097	232	8	.	.	PUNCT
easat-8097	233	1	0.000	0.000	NUM
easat-8097	233	2	1225	1225	NUM
easat-8097	233	3	edelweiss	edelweiss	PROPN
easat-8097	233	4	applied	apply	VERB
easat-8097	233	5	science	science	NOUN
easat-8097	233	6	and	and	CCONJ
easat-8097	233	7	technology	technology	NOUN
easat-8097	233	8	issn	issn	PROPN
easat-8097	233	9	:	:	PUNCT
easat-8097	233	10	2576	2576	NUM
easat-8097	233	11	-	-	SYM
easat-8097	233	12	8484	8484	NUM
easat-8097	233	13	vol	vol	NOUN
easat-8097	233	14	.	.	PROPN
easat-8097	234	1	9	9	NUM
easat-8097	234	2	,	,	PUNCT
easat-8097	234	3	no	no	INTJ
easat-8097	234	4	.	.	NOUN
easat-8097	234	5	6	6	NUM
easat-8097	234	6	:	:	SYM
easat-8097	234	7	1215	1215	NUM
easat-8097	234	8	-	-	SYM
easat-8097	234	9	1232	1232	NUM
easat-8097	234	10	,	,	PUNCT
easat-8097	234	11	2025	2025	NUM
easat-8097	234	12	doi	doi	NOUN
easat-8097	234	13	:	:	PUNCT
easat-8097	234	14	10.55214/25768484.v9i6.8097	10.55214/25768484.v9i6.8097	NUM
easat-8097	234	15	©	©	PROPN
easat-8097	234	16	2025	2025	NUM
easat-8097	234	17	by	by	ADP
easat-8097	234	18	the	the	DET
easat-8097	234	19	authors	author	NOUN
easat-8097	234	20	;	;	PUNCT
easat-8097	234	21	licensee	licensee	PROPN
easat-8097	234	22	learning	learning	NOUN
easat-8097	234	23	gate	gate	VERB
easat-8097	234	24	the	the	DET
easat-8097	234	25	kmo	kmo	PROPN
easat-8097	234	26	coefficient	coefficient	NOUN
easat-8097	234	27	reached	reach	VERB
easat-8097	234	28	a	a	DET
easat-8097	234	29	value	value	NOUN
easat-8097	234	30	of	of	ADP
easat-8097	234	31	0.694	0.694	NUM
easat-8097	234	32	,	,	PUNCT
easat-8097	234	33	surpassing	surpass	VERB
easat-8097	234	34	the	the	DET
easat-8097	234	35	minimum	minimum	ADJ
easat-8097	234	36	threshold	threshold	NOUN
easat-8097	234	37	of	of	ADP
easat-8097	234	38	0.5	0.5	NUM
easat-8097	234	39	,	,	PUNCT
easat-8097	234	40	indicating	indicate	VERB
easat-8097	234	41	that	that	SCONJ
easat-8097	234	42	the	the	DET
easat-8097	234	43	model	model	NOUN
easat-8097	234	44	is	be	AUX
easat-8097	234	45	suitable	suitable	ADJ
easat-8097	234	46	for	for	ADP
easat-8097	234	47	using	use	VERB
easat-8097	234	48	exploratory	exploratory	ADJ
easat-8097	234	49	factor	factor	NOUN
easat-8097	234	50	analysis	analysis	NOUN
easat-8097	234	51	on	on	ADP
easat-8097	234	52	this	this	DET
easat-8097	234	53	data	datum	NOUN
easat-8097	234	54	set	set	VERB
easat-8097	234	55	.	.	PUNCT
easat-8097	235	1	furthermore	furthermore	ADV
easat-8097	235	2	,	,	PUNCT
easat-8097	235	3	the	the	DET
easat-8097	235	4	bartlett	bartlett	PROPN
easat-8097	235	5	test	test	NOUN
easat-8097	235	6	results	result	NOUN
easat-8097	235	7	also	also	ADV
easat-8097	235	8	support	support	VERB
easat-8097	235	9	this	this	DET
easat-8097	235	10	assumption	assumption	NOUN
easat-8097	235	11	,	,	PUNCT
easat-8097	235	12	with	with	ADP
easat-8097	235	13	the	the	DET
easat-8097	235	14	chi	chi	ADJ
easat-8097	235	15	-	-	PUNCT
easat-8097	235	16	square	square	NOUN
easat-8097	235	17	being	being	NOUN
easat-8097	235	18	approximately	approximately	ADV
easat-8097	235	19	294.994	294.994	NUM
easat-8097	235	20	,	,	PUNCT
easat-8097	235	21	the	the	DET
easat-8097	235	22	degrees	degree	NOUN
easat-8097	235	23	of	of	ADP
easat-8097	235	24	freedom	freedom	NOUN
easat-8097	235	25	being	be	AUX
easat-8097	235	26	3	3	NUM
easat-8097	235	27	,	,	PUNCT
easat-8097	235	28	and	and	CCONJ
easat-8097	235	29	the	the	DET
easat-8097	235	30	significance	significance	NOUN
easat-8097	235	31	level	level	NOUN
easat-8097	235	32	(	(	PUNCT
easat-8097	235	33	sig	sig	NOUN
easat-8097	235	34	.	.	PUNCT
easat-8097	235	35	)	)	PUNCT
easat-8097	235	36	reaching	reach	VERB
easat-8097	235	37	a	a	DET
easat-8097	235	38	value	value	NOUN
easat-8097	235	39	of	of	ADP
easat-8097	235	40	0.000	0.000	NUM
easat-8097	235	41	<	<	X
easat-8097	235	42	0.05	0.05	NUM
easat-8097	235	43	.	.	PUNCT
easat-8097	236	1	these	these	DET
easat-8097	236	2	results	result	NOUN
easat-8097	236	3	show	show	VERB
easat-8097	236	4	that	that	SCONJ
easat-8097	236	5	the	the	DET
easat-8097	236	6	observed	observed	ADJ
easat-8097	236	7	variables	variable	NOUN
easat-8097	236	8	in	in	ADP
easat-8097	236	9	the	the	DET
easat-8097	236	10	data	datum	NOUN
easat-8097	236	11	set	set	VERB
easat-8097	236	12	have	have	VERB
easat-8097	236	13	strong	strong	ADJ
easat-8097	236	14	dependencies	dependency	NOUN
easat-8097	236	15	and	and	CCONJ
easat-8097	236	16	can	can	AUX
easat-8097	236	17	be	be	AUX
easat-8097	236	18	effectively	effectively	ADV
easat-8097	236	19	used	use	VERB
easat-8097	236	20	in	in	ADP
easat-8097	236	21	the	the	DET
easat-8097	236	22	exploratory	exploratory	ADJ
easat-8097	236	23	factor	factor	NOUN
easat-8097	236	24	analysis	analysis	NOUN
easat-8097	236	25	process	process	NOUN
easat-8097	236	26	.	.	PUNCT
easat-8097	237	1	the	the	DET
easat-8097	237	2	suitability	suitability	NOUN
easat-8097	237	3	of	of	ADP
easat-8097	237	4	this	this	DET
easat-8097	237	5	model	model	NOUN
easat-8097	237	6	is	be	AUX
easat-8097	237	7	the	the	DET
easat-8097	237	8	basis	basis	NOUN
easat-8097	237	9	for	for	ADP
easat-8097	237	10	further	further	ADJ
easat-8097	237	11	detailed	detailed	ADJ
easat-8097	237	12	analysis	analysis	NOUN
easat-8097	237	13	of	of	ADP
easat-8097	237	14	the	the	DET
easat-8097	237	15	relationships	relationship	NOUN
easat-8097	237	16	between	between	ADP
easat-8097	237	17	the	the	DET
easat-8097	237	18	variables	variable	NOUN
easat-8097	237	19	and	and	CCONJ
easat-8097	237	20	specific	specific	ADJ
easat-8097	237	21	factor	factor	NOUN
easat-8097	237	22	.	.	PUNCT
easat-8097	238	1	table	table	NOUN
easat-8097	238	2	7	7	NUM
easat-8097	238	3	.	.	PUNCT
easat-8097	238	4	total	total	ADJ
easat-8097	238	5	variance	variance	NOUN
easat-8097	238	6	explained	explain	VERB
easat-8097	238	7	of	of	ADP
easat-8097	238	8	the	the	DET
easat-8097	238	9	dependent	dependent	ADJ
easat-8097	238	10	variable	variable	ADJ
easat-8097	238	11	component	component	NOUN
easat-8097	238	12	initial	initial	ADJ
easat-8097	238	13	eigenvalues	eigenvalue	VERB
easat-8097	238	14	extraction	extraction	NOUN
easat-8097	238	15	sums	sum	NOUN
easat-8097	238	16	of	of	ADP
easat-8097	238	17	squared	square	VERB
easat-8097	238	18	loadings	loading	NOUN
easat-8097	238	19	total	total	ADJ
easat-8097	238	20	%	%	NOUN
easat-8097	238	21	of	of	ADP
easat-8097	238	22	variance	variance	NOUN
easat-8097	238	23	cumulative	cumulative	ADJ
easat-8097	238	24	%	%	NOUN
easat-8097	238	25	total	total	ADJ
easat-8097	238	26	%	%	NOUN
easat-8097	238	27	of	of	ADP
easat-8097	238	28	variance	variance	NOUN
easat-8097	238	29	cumulative	cumulative	ADJ
easat-8097	238	30	%	%	NOUN
easat-8097	239	1	1	1	NUM
easat-8097	239	2	2.110	2.110	NUM
easat-8097	239	3	70.329	70.329	NUM
easat-8097	239	4	70.329	70.329	NUM
easat-8097	239	5	1.682	1.682	NUM
easat-8097	239	6	56.082	56.082	NUM
easat-8097	239	7	56.082	56.082	NUM
easat-8097	239	8	2	2	NUM
easat-8097	239	9	0.513	0.513	NUM
easat-8097	239	10	17.109	17.109	NUM
easat-8097	239	11	87.438	87.438	NUM
easat-8097	239	12	3	3	NUM
easat-8097	239	13	0.377	0.377	NUM
easat-8097	239	14	12.562	12.562	NUM
easat-8097	239	15	100.000	100.000	NUM
easat-8097	239	16	table	table	NOUN
easat-8097	239	17	7	7	NUM
easat-8097	239	18	presents	present	VERB
easat-8097	239	19	the	the	DET
easat-8097	239	20	results	result	NOUN
easat-8097	239	21	of	of	ADP
easat-8097	239	22	the	the	DET
easat-8097	239	23	total	total	ADJ
easat-8097	239	24	variance	variance	NOUN
easat-8097	239	25	explained	explain	VERB
easat-8097	239	26	of	of	ADP
easat-8097	239	27	the	the	DET
easat-8097	239	28	dependent	dependent	ADJ
easat-8097	239	29	variable	variable	NOUN
easat-8097	239	30	after	after	ADP
easat-8097	239	31	performing	perform	VERB
easat-8097	239	32	exploratory	exploratory	ADJ
easat-8097	239	33	factor	factor	NOUN
easat-8097	239	34	analysis	analysis	NOUN
easat-8097	239	35	.	.	PUNCT
easat-8097	240	1	the	the	DET
easat-8097	240	2	initial	initial	ADJ
easat-8097	240	3	and	and	CCONJ
easat-8097	240	4	extracted	extract	VERB
easat-8097	240	5	eigenvalues	eigenvalue	NOUN
easat-8097	240	6	are	be	AUX
easat-8097	240	7	shown	show	VERB
easat-8097	240	8	for	for	ADP
easat-8097	240	9	each	each	DET
easat-8097	240	10	factor	factor	NOUN
easat-8097	240	11	.	.	PUNCT
easat-8097	241	1	component	component	NOUN
easat-8097	241	2	1	1	NUM
easat-8097	241	3	explains	explain	VERB
easat-8097	241	4	70.329	70.329	NUM
easat-8097	241	5	%	%	NOUN
easat-8097	241	6	of	of	ADP
easat-8097	241	7	the	the	DET
easat-8097	241	8	total	total	ADJ
easat-8097	241	9	variance	variance	NOUN
easat-8097	241	10	,	,	PUNCT
easat-8097	241	11	indicating	indicate	VERB
easat-8097	241	12	the	the	DET
easat-8097	241	13	high	high	ADJ
easat-8097	241	14	importance	importance	NOUN
easat-8097	241	15	of	of	ADP
easat-8097	241	16	this	this	DET
easat-8097	241	17	factor	factor	NOUN
easat-8097	241	18	in	in	ADP
easat-8097	241	19	explaining	explain	VERB
easat-8097	241	20	the	the	DET
easat-8097	241	21	variation	variation	NOUN
easat-8097	241	22	of	of	ADP
easat-8097	241	23	the	the	DET
easat-8097	241	24	dependent	dependent	ADJ
easat-8097	241	25	variables	variable	NOUN
easat-8097	241	26	.	.	PUNCT
easat-8097	242	1	at	at	ADP
easat-8097	242	2	the	the	DET
easat-8097	242	3	same	same	ADJ
easat-8097	242	4	time	time	NOUN
easat-8097	242	5	,	,	PUNCT
easat-8097	242	6	the	the	DET
easat-8097	242	7	cumulative	cumulative	ADJ
easat-8097	242	8	ratio	ratio	NOUN
easat-8097	242	9	is	be	AUX
easat-8097	242	10	70.329	70.329	NUM
easat-8097	242	11	%	%	NOUN
easat-8097	242	12	.	.	PUNCT
easat-8097	243	1	factors	factor	NOUN
easat-8097	243	2	2	2	NUM
easat-8097	243	3	and	and	CCONJ
easat-8097	243	4	3	3	NUM
easat-8097	243	5	have	have	VERB
easat-8097	243	6	total	total	ADJ
easat-8097	243	7	variances	variance	NOUN
easat-8097	243	8	of	of	ADP
easat-8097	243	9	17.109	17.109	NUM
easat-8097	243	10	%	%	NOUN
easat-8097	243	11	and	and	CCONJ
easat-8097	243	12	12.562	12.562	NUM
easat-8097	243	13	%	%	NOUN
easat-8097	243	14	,	,	PUNCT
easat-8097	243	15	respectively	respectively	ADV
easat-8097	243	16	.	.	PUNCT
easat-8097	244	1	the	the	DET
easat-8097	244	2	total	total	ADJ
easat-8097	244	3	cumulative	cumulative	ADJ
easat-8097	244	4	variance	variance	NOUN
easat-8097	244	5	for	for	ADP
easat-8097	244	6	all	all	DET
easat-8097	244	7	three	three	NUM
easat-8097	244	8	factors	factor	NOUN
easat-8097	244	9	is	be	AUX
easat-8097	244	10	100	100	NUM
easat-8097	244	11	%	%	NOUN
easat-8097	244	12	,	,	PUNCT
easat-8097	244	13	indicating	indicate	VERB
easat-8097	244	14	that	that	SCONJ
easat-8097	244	15	these	these	DET
easat-8097	244	16	three	three	NUM
easat-8097	244	17	factors	factor	NOUN
easat-8097	244	18	have	have	AUX
easat-8097	244	19	explained	explain	VERB
easat-8097	244	20	all	all	DET
easat-8097	244	21	the	the	DET
easat-8097	244	22	variation	variation	NOUN
easat-8097	244	23	in	in	ADP
easat-8097	244	24	the	the	DET
easat-8097	244	25	dependent	dependent	ADJ
easat-8097	244	26	variable	variable	NOUN
easat-8097	244	27	.	.	PUNCT
easat-8097	245	1	this	this	DET
easat-8097	245	2	result	result	NOUN
easat-8097	245	3	shows	show	VERB
easat-8097	245	4	that	that	SCONJ
easat-8097	245	5	the	the	DET
easat-8097	245	6	selected	select	VERB
easat-8097	245	7	model	model	NOUN
easat-8097	245	8	is	be	AUX
easat-8097	245	9	capable	capable	ADJ
easat-8097	245	10	of	of	ADP
easat-8097	245	11	explaining	explain	VERB
easat-8097	245	12	a	a	DET
easat-8097	245	13	large	large	ADJ
easat-8097	245	14	amount	amount	NOUN
easat-8097	245	15	of	of	ADP
easat-8097	245	16	variance	variance	NOUN
easat-8097	245	17	in	in	ADP
easat-8097	245	18	the	the	DET
easat-8097	245	19	data	datum	NOUN
easat-8097	245	20	,	,	PUNCT
easat-8097	245	21	supporting	support	VERB
easat-8097	245	22	the	the	DET
easat-8097	245	23	use	use	NOUN
easat-8097	245	24	of	of	ADP
easat-8097	245	25	factor	factor	NOUN
easat-8097	245	26	analysis	analysis	NOUN
easat-8097	245	27	to	to	PART
easat-8097	245	28	understand	understand	VERB
easat-8097	245	29	the	the	DET
easat-8097	245	30	relationship	relationship	NOUN
easat-8097	245	31	between	between	ADP
easat-8097	245	32	the	the	DET
easat-8097	245	33	dependent	dependent	ADJ
easat-8097	245	34	variable	variable	NOUN
easat-8097	245	35	and	and	CCONJ
easat-8097	245	36	indepent	indepent	ADJ
easat-8097	245	37	variables	variable	NOUN
easat-8097	245	38	in	in	ADP
easat-8097	245	39	the	the	DET
easat-8097	245	40	study	study	NOUN
easat-8097	245	41	.	.	PUNCT
easat-8097	246	1	component	component	NOUN
easat-8097	246	2	1	1	NUM
easat-8097	246	3	has	have	VERB
easat-8097	246	4	a	a	DET
easat-8097	246	5	strong	strong	ADJ
easat-8097	246	6	relationship	relationship	NOUN
easat-8097	246	7	with	with	ADP
easat-8097	246	8	the	the	DET
easat-8097	246	9	dependent	dependent	ADJ
easat-8097	246	10	variables	variable	NOUN
easat-8097	246	11	qd3	qd3	NOUN
easat-8097	246	12	(	(	PUNCT
easat-8097	246	13	0.836	0.836	NUM
easat-8097	246	14	)	)	PUNCT
easat-8097	246	15	,	,	PUNCT
easat-8097	246	16	qd1	qd1	NOUN
easat-8097	246	17	(	(	PUNCT
easat-8097	246	18	0.723	0.723	NUM
easat-8097	246	19	)	)	PUNCT
easat-8097	246	20	,	,	PUNCT
easat-8097	246	21	and	and	CCONJ
easat-8097	246	22	qd2	qd2	INTJ
easat-8097	246	23	(	(	PUNCT
easat-8097	246	24	0.679	0.679	NUM
easat-8097	246	25	)	)	PUNCT
easat-8097	246	26	.	.	PUNCT
easat-8097	247	1	these	these	DET
easat-8097	247	2	values	value	NOUN
easat-8097	247	3	are	be	AUX
easat-8097	247	4	the	the	DET
easat-8097	247	5	factor	factor	NOUN
easat-8097	247	6	loadings	loading	NOUN
easat-8097	247	7	and	and	CCONJ
easat-8097	247	8	indicate	indicate	VERB
easat-8097	247	9	the	the	DET
easat-8097	247	10	degree	degree	NOUN
easat-8097	247	11	of	of	ADP
easat-8097	247	12	influence	influence	NOUN
easat-8097	247	13	of	of	ADP
easat-8097	247	14	the	the	DET
easat-8097	247	15	dependent	dependent	ADJ
easat-8097	247	16	variable	variable	NOUN
easat-8097	247	17	on	on	ADP
easat-8097	247	18	the	the	DET
easat-8097	247	19	factor	factor	NOUN
easat-8097	247	20	extracted	extract	VERB
easat-8097	247	21	from	from	ADP
easat-8097	247	22	the	the	DET
easat-8097	247	23	factor	factor	NOUN
easat-8097	247	24	analysis	analysis	NOUN
easat-8097	247	25	.	.	PUNCT
easat-8097	248	1	this	this	DET
easat-8097	248	2	result	result	NOUN
easat-8097	248	3	indicates	indicate	VERB
easat-8097	248	4	a	a	DET
easat-8097	248	5	strong	strong	ADJ
easat-8097	248	6	correlation	correlation	NOUN
easat-8097	248	7	between	between	ADP
easat-8097	248	8	the	the	DET
easat-8097	248	9	dependent	dependent	ADJ
easat-8097	248	10	variable	variable	NOUN
easat-8097	248	11	and	and	CCONJ
easat-8097	248	12	the	the	DET
easat-8097	248	13	identified	identify	VERB
easat-8097	248	14	factors	factor	NOUN
easat-8097	248	15	,	,	PUNCT
easat-8097	248	16	supporting	support	VERB
easat-8097	248	17	a	a	DET
easat-8097	248	18	better	well	ADJ
easat-8097	248	19	understanding	understanding	NOUN
easat-8097	248	20	of	of	ADP
easat-8097	248	21	the	the	DET
easat-8097	248	22	structure	structure	NOUN
easat-8097	248	23	and	and	CCONJ
easat-8097	248	24	interactions	interaction	NOUN
easat-8097	248	25	between	between	ADP
easat-8097	248	26	the	the	DET
easat-8097	248	27	research	research	NOUN
easat-8097	248	28	factors	factor	NOUN
easat-8097	248	29	in	in	ADP
easat-8097	248	30	the	the	DET
easat-8097	248	31	model	model	NOUN
easat-8097	248	32	.	.	PUNCT
easat-8097	249	1	table	table	NOUN
easat-8097	249	2	8	8	NUM
easat-8097	249	3	.	.	PUNCT
easat-8097	250	1	rotated	rotate	VERB
easat-8097	250	2	matrix	matrix	NOUN
easat-8097	250	3	of	of	ADP
easat-8097	250	4	the	the	DET
easat-8097	250	5	dependent	dependent	ADJ
easat-8097	250	6	variable	variable	NOUN
easat-8097	250	7	.	.	PUNCT
easat-8097	251	1	component	component	NOUN
easat-8097	251	2	1	1	NUM
easat-8097	251	3	qd3	qd3	NOUN
easat-8097	251	4	0.836	0.836	NUM
easat-8097	251	5	qd1	qd1	NOUN
easat-8097	251	6	0.723	0.723	NUM
easat-8097	251	7	qd2	qd2	NOUN
easat-8097	251	8	0.679	0.679	NUM
easat-8097	251	9	4.4	4.4	NUM
easat-8097	251	10	.	.	PUNCT
easat-8097	252	1	correlation	correlation	NOUN
easat-8097	252	2	analysis	analysis	NOUN
easat-8097	252	3	and	and	CCONJ
easat-8097	252	4	multiple	multiple	ADJ
easat-8097	252	5	regression	regression	NOUN
easat-8097	252	6	4.4.1	4.4.1	NUM
easat-8097	252	7	.	.	PUNCT
easat-8097	253	1	pearson	pearson	PROPN
easat-8097	253	2	correlation	correlation	NOUN
easat-8097	253	3	matrix	matrix	NOUN
easat-8097	253	4	to	to	PART
easat-8097	253	5	evaluate	evaluate	VERB
easat-8097	253	6	the	the	DET
easat-8097	253	7	linear	linear	ADJ
easat-8097	253	8	associations	association	NOUN
easat-8097	253	9	between	between	ADP
easat-8097	253	10	quantitative	quantitative	ADJ
easat-8097	253	11	variables	variable	NOUN
easat-8097	253	12	,	,	PUNCT
easat-8097	253	13	the	the	DET
easat-8097	253	14	pearson	pearson	PROPN
easat-8097	253	15	correlation	correlation	NOUN
easat-8097	253	16	coefficient	coefficient	NOUN
easat-8097	253	17	was	be	AUX
easat-8097	253	18	employed	employ	VERB
easat-8097	253	19	.	.	PUNCT
easat-8097	254	1	this	this	DET
easat-8097	254	2	statistical	statistical	ADJ
easat-8097	254	3	measure	measure	NOUN
easat-8097	254	4	is	be	AUX
easat-8097	254	5	well	well	ADV
easat-8097	254	6	-	-	PUNCT
easat-8097	254	7	suited	suited	ADJ
easat-8097	254	8	for	for	ADP
easat-8097	254	9	identifying	identify	VERB
easat-8097	254	10	the	the	DET
easat-8097	254	11	direction	direction	NOUN
easat-8097	254	12	and	and	CCONJ
easat-8097	254	13	strength	strength	NOUN
easat-8097	254	14	of	of	ADP
easat-8097	254	15	bivariate	bivariate	ADJ
easat-8097	254	16	linear	linear	ADJ
easat-8097	254	17	relationships	relationship	NOUN
easat-8097	254	18	.	.	PUNCT
easat-8097	255	1	in	in	ADP
easat-8097	255	2	this	this	DET
easat-8097	255	3	study	study	NOUN
easat-8097	255	4	,	,	PUNCT
easat-8097	255	5	the	the	DET
easat-8097	255	6	absolute	absolute	ADJ
easat-8097	255	7	value	value	NOUN
easat-8097	255	8	of	of	ADP
easat-8097	255	9	the	the	DET
easat-8097	255	10	correlation	correlation	NOUN
easat-8097	255	11	coefficient	coefficient	NOUN
easat-8097	255	12	(	(	PUNCT
easat-8097	255	13	|r|	|r|	NOUN
easat-8097	255	14	)	)	PUNCT
easat-8097	255	15	was	be	AUX
easat-8097	255	16	interpreted	interpret	VERB
easat-8097	255	17	,	,	PUNCT
easat-8097	255	18	with	with	ADP
easat-8097	255	19	values	value	NOUN
easat-8097	255	20	exceeding	exceed	VERB
easat-8097	255	21	0.1	0.1	NUM
easat-8097	255	22	considered	consider	VERB
easat-8097	255	23	indicative	indicative	ADJ
easat-8097	255	24	of	of	ADP
easat-8097	255	25	a	a	DET
easat-8097	255	26	meaningful	meaningful	ADJ
easat-8097	255	27	linear	linear	PROPN
easat-8097	255	28	association	association	NOUN
easat-8097	255	29	.	.	PUNCT
easat-8097	256	1	this	this	DET
easat-8097	256	2	preliminary	preliminary	ADJ
easat-8097	256	3	analysis	analysis	NOUN
easat-8097	256	4	provided	provide	VERB
easat-8097	256	5	insights	insight	NOUN
easat-8097	256	6	into	into	ADP
easat-8097	256	7	the	the	DET
easat-8097	256	8	relationships	relationship	NOUN
easat-8097	256	9	between	between	ADP
easat-8097	256	10	the	the	DET
easat-8097	256	11	dependent	dependent	ADJ
easat-8097	256	12	and	and	CCONJ
easat-8097	256	13	independent	independent	ADJ
easat-8097	256	14	variables	variable	NOUN
easat-8097	256	15	,	,	PUNCT
easat-8097	256	16	serving	serve	VERB
easat-8097	256	17	as	as	ADP
easat-8097	256	18	a	a	DET
easat-8097	256	19	diagnostic	diagnostic	ADJ
easat-8097	256	20	step	step	NOUN
easat-8097	256	21	prior	prior	ADV
easat-8097	256	22	to	to	ADP
easat-8097	256	23	regression	regression	VERB
easat-8097	256	24	modeling	modeling	NOUN
easat-8097	256	25	.	.	PUNCT
easat-8097	257	1	the	the	DET
easat-8097	257	2	pearson	pearson	PROPN
easat-8097	257	3	method	method	NOUN
easat-8097	257	4	was	be	AUX
easat-8097	257	5	selected	select	VERB
easat-8097	257	6	due	due	ADP
easat-8097	257	7	to	to	ADP
easat-8097	257	8	its	its	PRON
easat-8097	257	9	sensitivity	sensitivity	NOUN
easat-8097	257	10	in	in	ADP
easat-8097	257	11	detecting	detect	VERB
easat-8097	257	12	linear	linear	ADJ
easat-8097	257	13	correlations	correlation	NOUN
easat-8097	257	14	,	,	PUNCT
easat-8097	257	15	which	which	PRON
easat-8097	257	16	is	be	AUX
easat-8097	257	17	critical	critical	ADJ
easat-8097	257	18	in	in	ADP
easat-8097	257	19	validating	validate	VERB
easat-8097	257	20	model	model	NOUN
easat-8097	257	21	assumptions	assumption	NOUN
easat-8097	257	22	and	and	CCONJ
easat-8097	257	23	exploring	explore	VERB
easat-8097	257	24	potential	potential	ADJ
easat-8097	257	25	collinearity	collinearity	NOUN
easat-8097	257	26	issues	issue	NOUN
easat-8097	257	27	.	.	PUNCT
easat-8097	258	1	nonetheless	nonetheless	ADV
easat-8097	258	2	,	,	PUNCT
easat-8097	258	3	it	it	PRON
easat-8097	258	4	is	be	AUX
easat-8097	258	5	important	important	ADJ
easat-8097	258	6	to	to	PART
easat-8097	258	7	note	note	VERB
easat-8097	258	8	that	that	SCONJ
easat-8097	258	9	a	a	DET
easat-8097	258	10	significant	significant	ADJ
easat-8097	258	11	correlation	correlation	NOUN
easat-8097	258	12	does	do	AUX
easat-8097	258	13	not	not	PART
easat-8097	258	14	imply	imply	VERB
easat-8097	258	15	causality	causality	NOUN
easat-8097	258	16	,	,	PUNCT
easat-8097	258	17	nor	nor	CCONJ
easat-8097	258	18	does	do	AUX
easat-8097	258	19	it	it	PRON
easat-8097	258	20	guarantee	guarantee	VERB
easat-8097	258	21	the	the	DET
easat-8097	258	22	absence	absence	NOUN
easat-8097	258	23	of	of	ADP
easat-8097	258	24	multicollinearity	multicollinearity	NOUN
easat-8097	258	25	among	among	ADP
easat-8097	258	26	predictors	predictor	NOUN
easat-8097	258	27	.	.	PUNCT
easat-8097	259	1	therefore	therefore	ADV
easat-8097	259	2	,	,	PUNCT
easat-8097	259	3	while	while	SCONJ
easat-8097	259	4	the	the	DET
easat-8097	259	5	pearson	pearson	PROPN
easat-8097	259	6	matrix	matrix	NOUN
easat-8097	259	7	offers	offer	VERB
easat-8097	259	8	valuable	valuable	ADJ
easat-8097	259	9	preliminary	preliminary	ADJ
easat-8097	259	10	insights	insight	NOUN
easat-8097	259	11	,	,	PUNCT
easat-8097	259	12	it	it	PRON
easat-8097	259	13	is	be	AUX
easat-8097	259	14	not	not	PART
easat-8097	259	15	sufficient	sufficient	ADJ
easat-8097	259	16	on	on	ADP
easat-8097	259	17	its	its	PRON
easat-8097	259	18	own	own	ADJ
easat-8097	259	19	to	to	PART
easat-8097	259	20	address	address	VERB
easat-8097	259	21	multicollinearity	multicollinearity	NOUN
easat-8097	259	22	concerns	concern	NOUN
easat-8097	259	23	.	.	PUNCT
easat-8097	260	1	to	to	PART
easat-8097	260	2	rigorously	rigorously	ADV
easat-8097	260	3	assess	assess	VERB
easat-8097	260	4	multicollinearity	multicollinearity	NOUN
easat-8097	260	5	in	in	ADP
easat-8097	260	6	the	the	DET
easat-8097	260	7	1226	1226	NUM
easat-8097	260	8	edelweiss	edelweiss	PROPN
easat-8097	260	9	applied	apply	VERB
easat-8097	260	10	science	science	NOUN
easat-8097	260	11	and	and	CCONJ
easat-8097	260	12	technology	technology	NOUN
easat-8097	260	13	issn	issn	PROPN
easat-8097	260	14	:	:	PUNCT
easat-8097	260	15	2576	2576	NUM
easat-8097	260	16	-	-	SYM
easat-8097	260	17	8484	8484	NUM
easat-8097	260	18	vol	vol	NOUN
easat-8097	260	19	.	.	PROPN
easat-8097	261	1	9	9	NUM
easat-8097	261	2	,	,	PUNCT
easat-8097	261	3	no	no	INTJ
easat-8097	261	4	.	.	NOUN
easat-8097	261	5	6	6	NUM
easat-8097	261	6	:	:	SYM
easat-8097	261	7	1215	1215	NUM
easat-8097	261	8	-	-	SYM
easat-8097	261	9	1232	1232	NUM
easat-8097	261	10	,	,	PUNCT
easat-8097	261	11	2025	2025	NUM
easat-8097	261	12	doi	doi	NOUN
easat-8097	261	13	:	:	PUNCT
easat-8097	261	14	10.55214/25768484.v9i6.8097	10.55214/25768484.v9i6.8097	NUM
easat-8097	261	15	©	©	PROPN
easat-8097	261	16	2025	2025	NUM
easat-8097	261	17	by	by	ADP
easat-8097	261	18	the	the	DET
easat-8097	261	19	authors	author	NOUN
easat-8097	261	20	;	;	PUNCT
easat-8097	261	21	licensee	licensee	PROPN
easat-8097	261	22	learning	learn	VERB
easat-8097	261	23	gate	gate	PROPN
easat-8097	261	24	regression	regression	NOUN
easat-8097	261	25	models	model	NOUN
easat-8097	261	26	,	,	PUNCT
easat-8097	261	27	we	we	PRON
easat-8097	261	28	supplemented	supplement	VERB
easat-8097	261	29	the	the	DET
easat-8097	261	30	correlation	correlation	NOUN
easat-8097	261	31	analysis	analysis	NOUN
easat-8097	261	32	with	with	ADP
easat-8097	261	33	formal	formal	ADJ
easat-8097	261	34	collinearity	collinearity	NOUN
easat-8097	261	35	diagnostics	diagnostic	NOUN
easat-8097	261	36	,	,	PUNCT
easat-8097	261	37	including	include	VERB
easat-8097	261	38	variance	variance	NOUN
easat-8097	261	39	inflation	inflation	NOUN
easat-8097	261	40	factor	factor	NOUN
easat-8097	261	41	(	(	PUNCT
easat-8097	261	42	vif	vif	NOUN
easat-8097	261	43	)	)	PUNCT
easat-8097	261	44	and	and	CCONJ
easat-8097	261	45	tolerance	tolerance	NOUN
easat-8097	261	46	statistics	statistic	NOUN
easat-8097	261	47	.	.	PUNCT
easat-8097	262	1	these	these	DET
easat-8097	262	2	measures	measure	NOUN
easat-8097	262	3	enabled	enable	VERB
easat-8097	262	4	a	a	DET
easat-8097	262	5	more	more	ADV
easat-8097	262	6	comprehensive	comprehensive	ADJ
easat-8097	262	7	evaluation	evaluation	NOUN
easat-8097	262	8	of	of	ADP
easat-8097	262	9	the	the	DET
easat-8097	262	10	extent	extent	NOUN
easat-8097	262	11	to	to	PART
easat-8097	262	12	which	which	PRON
easat-8097	262	13	multicollinearity	multicollinearity	NOUN
easat-8097	262	14	might	might	AUX
easat-8097	262	15	distort	distort	VERB
easat-8097	262	16	the	the	DET
easat-8097	262	17	reliability	reliability	NOUN
easat-8097	262	18	and	and	CCONJ
easat-8097	262	19	interpretation	interpretation	NOUN
easat-8097	262	20	of	of	ADP
easat-8097	262	21	regression	regression	NOUN
easat-8097	262	22	coefficients	coefficient	NOUN
easat-8097	262	23	.	.	PUNCT
easat-8097	263	1	the	the	DET
easat-8097	263	2	results	result	NOUN
easat-8097	263	3	of	of	ADP
easat-8097	263	4	the	the	DET
easat-8097	263	5	pearson	pearson	NOUN
easat-8097	263	6	correlation	correlation	NOUN
easat-8097	263	7	matrix	matrix	NOUN
easat-8097	263	8	reveal	reveal	VERB
easat-8097	263	9	statistically	statistically	ADV
easat-8097	263	10	significant	significant	ADJ
easat-8097	263	11	positive	positive	ADJ
easat-8097	263	12	relationships	relationship	NOUN
easat-8097	263	13	(	(	PUNCT
easat-8097	263	14	p	p	X
easat-8097	263	15	<	<	X
easat-8097	263	16	0.01	0.01	NUM
easat-8097	263	17	)	)	PUNCT
easat-8097	263	18	between	between	ADP
easat-8097	263	19	the	the	DET
easat-8097	263	20	dependent	dependent	ADJ
easat-8097	263	21	variable	variable	NOUN
easat-8097	263	22	—	—	PUNCT
easat-8097	263	23	credit	credit	NOUN
easat-8097	263	24	card	card	NOUN
easat-8097	263	25	usage	usage	NOUN
easat-8097	263	26	decision	decision	NOUN
easat-8097	263	27	(	(	PUNCT
easat-8097	263	28	qd)—and	qd)—and	NOUN
easat-8097	263	29	all	all	DET
easat-8097	263	30	independent	independent	ADJ
easat-8097	263	31	variables	variable	NOUN
easat-8097	263	32	in	in	ADP
easat-8097	263	33	the	the	DET
easat-8097	263	34	research	research	NOUN
easat-8097	263	35	model	model	NOUN
easat-8097	263	36	.	.	PUNCT
easat-8097	264	1	notably	notably	ADV
easat-8097	264	2	,	,	PUNCT
easat-8097	264	3	perceived	perceive	VERB
easat-8097	264	4	behavioral	behavioral	ADJ
easat-8097	264	5	control	control	NOUN
easat-8097	264	6	(	(	PUNCT
easat-8097	264	7	nt	not	PART
easat-8097	264	8	)	)	PUNCT
easat-8097	264	9	exhibits	exhibit	VERB
easat-8097	264	10	the	the	DET
easat-8097	264	11	strongest	strong	ADJ
easat-8097	264	12	correlation	correlation	NOUN
easat-8097	264	13	with	with	ADP
easat-8097	264	14	qd	qd	NOUN
easat-8097	264	15	(	(	PUNCT
easat-8097	264	16	r	r	NOUN
easat-8097	264	17	=	=	SYM
easat-8097	264	18	0.585	0.585	NUM
easat-8097	264	19	)	)	PUNCT
easat-8097	264	20	,	,	PUNCT
easat-8097	264	21	highlighting	highlight	VERB
easat-8097	264	22	the	the	DET
easat-8097	264	23	critical	critical	ADJ
easat-8097	264	24	role	role	NOUN
easat-8097	264	25	of	of	ADP
easat-8097	264	26	individuals	individual	NOUN
easat-8097	264	27	'	'	PART
easat-8097	264	28	confidence	confidence	NOUN
easat-8097	264	29	in	in	ADP
easat-8097	264	30	their	their	PRON
easat-8097	264	31	ability	ability	NOUN
easat-8097	264	32	to	to	PART
easat-8097	264	33	manage	manage	VERB
easat-8097	264	34	credit	credit	NOUN
easat-8097	264	35	card	card	NOUN
easat-8097	264	36	usage	usage	NOUN
easat-8097	264	37	.	.	PUNCT
easat-8097	265	1	card	card	NOUN
easat-8097	265	2	usage	usage	NOUN
easat-8097	265	3	convenience	convenience	NOUN
easat-8097	265	4	(	(	PUNCT
easat-8097	265	5	ti	ti	NOUN
easat-8097	265	6	)	)	PUNCT
easat-8097	265	7	also	also	ADV
easat-8097	265	8	demonstrates	demonstrate	VERB
easat-8097	265	9	a	a	DET
easat-8097	265	10	robust	robust	ADJ
easat-8097	265	11	correlation	correlation	NOUN
easat-8097	265	12	with	with	ADP
easat-8097	265	13	qd	qd	NOUN
easat-8097	265	14	(	(	PUNCT
easat-8097	265	15	r	r	NOUN
easat-8097	265	16	=	=	SYM
easat-8097	265	17	0.559	0.559	NUM
easat-8097	265	18	)	)	PUNCT
easat-8097	265	19	,	,	PUNCT
easat-8097	265	20	suggesting	suggest	VERB
easat-8097	265	21	that	that	SCONJ
easat-8097	265	22	practical	practical	ADJ
easat-8097	265	23	utility	utility	NOUN
easat-8097	265	24	and	and	CCONJ
easat-8097	265	25	ease	ease	NOUN
easat-8097	265	26	of	of	ADP
easat-8097	265	27	access	access	NOUN
easat-8097	265	28	substantially	substantially	ADV
easat-8097	265	29	influence	influence	VERB
easat-8097	265	30	adoption	adoption	NOUN
easat-8097	265	31	decisions	decision	NOUN
easat-8097	265	32	.	.	PUNCT
easat-8097	266	1	additionally	additionally	ADV
easat-8097	266	2	,	,	PUNCT
easat-8097	266	3	the	the	DET
easat-8097	266	4	responsiveness	responsiveness	NOUN
easat-8097	266	5	of	of	ADP
easat-8097	266	6	the	the	DET
easat-8097	266	7	banking	banking	NOUN
easat-8097	266	8	system	system	NOUN
easat-8097	266	9	(	(	PUNCT
easat-8097	266	10	du	du	NOUN
easat-8097	266	11	)	)	PUNCT
easat-8097	266	12	shows	show	VERB
easat-8097	266	13	a	a	DET
easat-8097	266	14	considerable	considerable	ADJ
easat-8097	266	15	correlation	correlation	NOUN
easat-8097	266	16	with	with	ADP
easat-8097	266	17	qd	qd	NOUN
easat-8097	266	18	(	(	PUNCT
easat-8097	266	19	r	r	NOUN
easat-8097	266	20	=	=	NOUN
easat-8097	266	21	0.521	0.521	NUM
easat-8097	266	22	)	)	PUNCT
easat-8097	266	23	,	,	PUNCT
easat-8097	266	24	indicating	indicate	VERB
easat-8097	266	25	that	that	SCONJ
easat-8097	266	26	the	the	DET
easat-8097	266	27	perception	perception	NOUN
easat-8097	266	28	of	of	ADP
easat-8097	266	29	institutional	institutional	ADJ
easat-8097	266	30	support	support	NOUN
easat-8097	266	31	and	and	CCONJ
easat-8097	266	32	service	service	NOUN
easat-8097	266	33	responsiveness	responsiveness	NOUN
easat-8097	266	34	significantly	significantly	ADV
easat-8097	266	35	contributes	contribute	VERB
easat-8097	266	36	to	to	ADP
easat-8097	266	37	customers	customer	NOUN
easat-8097	266	38	’	'	PUNCT
easat-8097	266	39	willingness	willingness	NOUN
easat-8097	266	40	to	to	PART
easat-8097	266	41	use	use	VERB
easat-8097	266	42	credit	credit	NOUN
easat-8097	266	43	cards	card	NOUN
easat-8097	266	44	.	.	PUNCT
easat-8097	267	1	other	other	ADJ
easat-8097	267	2	variables	variable	NOUN
easat-8097	267	3	—	—	PUNCT
easat-8097	267	4	attitude	attitude	NOUN
easat-8097	267	5	(	(	PUNCT
easat-8097	267	6	td	td	NOUN
easat-8097	267	7	)	)	PUNCT
easat-8097	267	8	,	,	PUNCT
easat-8097	267	9	subjective	subjective	ADJ
easat-8097	267	10	norm	norm	NOUN
easat-8097	267	11	(	(	PUNCT
easat-8097	267	12	ccq	ccq	NOUN
easat-8097	267	13	)	)	PUNCT
easat-8097	267	14	,	,	PUNCT
easat-8097	267	15	and	and	CCONJ
easat-8097	267	16	perceived	perceive	VERB
easat-8097	267	17	cost	cost	NOUN
easat-8097	267	18	(	(	PUNCT
easat-8097	267	19	cp)—also	cp)—also	ADV
easat-8097	267	20	show	show	VERB
easat-8097	267	21	statistically	statistically	ADV
easat-8097	267	22	significant	significant	ADJ
easat-8097	267	23	but	but	CCONJ
easat-8097	267	24	comparatively	comparatively	ADV
easat-8097	267	25	lower	low	ADJ
easat-8097	267	26	correlations	correlation	NOUN
easat-8097	267	27	with	with	ADP
easat-8097	267	28	credit	credit	NOUN
easat-8097	267	29	card	card	NOUN
easat-8097	267	30	usage	usage	NOUN
easat-8097	267	31	decisions	decision	NOUN
easat-8097	267	32	.	.	PUNCT
easat-8097	268	1	these	these	DET
easat-8097	268	2	results	result	NOUN
easat-8097	268	3	collectively	collectively	ADV
easat-8097	268	4	underscore	underscore	VERB
easat-8097	268	5	the	the	DET
easat-8097	268	6	multifaceted	multifaceted	ADJ
easat-8097	268	7	nature	nature	NOUN
easat-8097	268	8	of	of	ADP
easat-8097	268	9	consumer	consumer	NOUN
easat-8097	268	10	decision	decision	NOUN
easat-8097	268	11	-	-	PUNCT
easat-8097	268	12	making	making	NOUN
easat-8097	268	13	,	,	PUNCT
easat-8097	268	14	where	where	SCONJ
easat-8097	268	15	behavioral	behavioral	ADJ
easat-8097	268	16	control	control	NOUN
easat-8097	268	17	,	,	PUNCT
easat-8097	268	18	convenience	convenience	NOUN
easat-8097	268	19	,	,	PUNCT
easat-8097	268	20	and	and	CCONJ
easat-8097	268	21	institutional	institutional	ADJ
easat-8097	268	22	trust	trust	NOUN
easat-8097	268	23	emerge	emerge	VERB
easat-8097	268	24	as	as	ADP
easat-8097	268	25	dominant	dominant	ADJ
easat-8097	268	26	factors	factor	NOUN
easat-8097	268	27	.	.	PUNCT
easat-8097	269	1	table	table	NOUN
easat-8097	269	2	9	9	NUM
easat-8097	269	3	.	.	PUNCT
easat-8097	269	4	correlation	correlation	NOUN
easat-8097	269	5	coefficients	coefficient	NOUN
easat-8097	269	6	.	.	PUNCT
easat-8097	270	1	td	td	NOUN
easat-8097	270	2	ccq	ccq	NOUN
easat-8097	270	3	nt	not	PART
easat-8097	270	4	cp	cp	INTJ
easat-8097	270	5	ti	ti	PROPN
easat-8097	270	6	du	du	PROPN
easat-8097	270	7	qd	qd	PROPN
easat-8097	270	8	td	td	PROPN
easat-8097	270	9	pearson	pearson	PROPN
easat-8097	270	10	correlation	correlation	NOUN
easat-8097	270	11	1	1	NUM
easat-8097	270	12	0.375	0.375	NUM
easat-8097	270	13	*	*	PUNCT
easat-8097	270	14	*	*	PUNCT
easat-8097	270	15	0.255	0.255	NUM
easat-8097	270	16	*	*	PUNCT
easat-8097	270	17	*	*	PUNCT
easat-8097	270	18	0.260	0.260	NUM
easat-8097	270	19	*	*	PUNCT
easat-8097	270	20	*	*	PUNCT
easat-8097	271	1	0.210	0.210	NUM
easat-8097	271	2	*	*	PUNCT
easat-8097	271	3	*	*	PUNCT
easat-8097	271	4	0.219	0.219	NUM
easat-8097	271	5	*	*	PUNCT
easat-8097	271	6	*	*	PUNCT
easat-8097	271	7	0.383	0.383	NUM
easat-8097	271	8	sig	sig	NOUN
easat-8097	271	9	.	.	PUNCT
easat-8097	272	1	(	(	PUNCT
easat-8097	272	2	2	2	NUM
easat-8097	272	3	-	-	PUNCT
easat-8097	272	4	tailed	tailed	ADJ
easat-8097	272	5	)	)	PUNCT
easat-8097	273	1	0.000	0.000	NUM
easat-8097	273	2	0.000	0.000	NUM
easat-8097	274	1	0.000	0.000	NUM
easat-8097	274	2	0.000	0.000	NUM
easat-8097	274	3	0.000	0.000	NUM
easat-8097	274	4	0.000	0.000	NUM
easat-8097	274	5	n	n	NUM
easat-8097	274	6	332	332	NUM
easat-8097	274	7	332	332	NUM
easat-8097	274	8	332	332	NUM
easat-8097	274	9	332	332	NUM
easat-8097	274	10	332	332	NUM
easat-8097	274	11	332	332	NUM
easat-8097	274	12	332	332	NUM
easat-8097	274	13	ccq	ccq	NOUN
easat-8097	274	14	pearson	pearson	NOUN
easat-8097	274	15	correlation	correlation	NOUN
easat-8097	274	16	0.375	0.375	NUM
easat-8097	274	17	*	*	PUNCT
easat-8097	274	18	*	*	PUNCT
easat-8097	274	19	1	1	NUM
easat-8097	274	20	0.264	0.264	NUM
easat-8097	274	21	*	*	PUNCT
easat-8097	274	22	*	*	PUNCT
easat-8097	274	23	0.224	0.224	NUM
easat-8097	274	24	*	*	PUNCT
easat-8097	274	25	*	*	PUNCT
easat-8097	274	26	0.344	0.344	NUM
easat-8097	274	27	*	*	PUNCT
easat-8097	274	28	*	*	X
easat-8097	274	29	0.221	0.221	NUM
easat-8097	274	30	*	*	PUNCT
easat-8097	274	31	*	*	PUNCT
easat-8097	274	32	0.446	0.446	NUM
easat-8097	274	33	*	*	PUNCT
easat-8097	274	34	*	*	NOUN
easat-8097	274	35	sig	sig	X
easat-8097	274	36	.	.	PUNCT
easat-8097	275	1	(	(	PUNCT
easat-8097	275	2	2	2	NUM
easat-8097	275	3	-	-	PUNCT
easat-8097	275	4	tailed	tailed	ADJ
easat-8097	275	5	)	)	PUNCT
easat-8097	276	1	0.000	0.000	NUM
easat-8097	276	2	0.000	0.000	NUM
easat-8097	277	1	0.000	0.000	NUM
easat-8097	277	2	0.000	0.000	NUM
easat-8097	277	3	0.000	0.000	NUM
easat-8097	277	4	0.000	0.000	NUM
easat-8097	277	5	n	n	NUM
easat-8097	277	6	332	332	NUM
easat-8097	277	7	332	332	NUM
easat-8097	277	8	332	332	NUM
easat-8097	277	9	332	332	NUM
easat-8097	277	10	332	332	NUM
easat-8097	277	11	332	332	NUM
easat-8097	277	12	332	332	NUM
easat-8097	277	13	nt	not	PART
easat-8097	277	14	pearson	pearson	PROPN
easat-8097	277	15	correlation	correlation	NOUN
easat-8097	277	16	0.255	0.255	NUM
easat-8097	277	17	*	*	PUNCT
easat-8097	277	18	*	*	PUNCT
easat-8097	277	19	0.264	0.264	NUM
easat-8097	277	20	*	*	PUNCT
easat-8097	277	21	*	*	PUNCT
easat-8097	277	22	1	1	NUM
easat-8097	277	23	0.307	0.307	NUM
easat-8097	277	24	*	*	PUNCT
easat-8097	277	25	*	*	PUNCT
easat-8097	277	26	0.483	0.483	NUM
easat-8097	277	27	*	*	PUNCT
easat-8097	277	28	*	*	PUNCT
easat-8097	277	29	0.388	0.388	NUM
easat-8097	277	30	*	*	PUNCT
easat-8097	277	31	*	*	PUNCT
easat-8097	277	32	0.585	0.585	NUM
easat-8097	277	33	*	*	PUNCT
easat-8097	277	34	*	*	NOUN
easat-8097	277	35	sig	sig	X
easat-8097	277	36	.	.	PUNCT
easat-8097	278	1	(	(	PUNCT
easat-8097	278	2	2	2	NUM
easat-8097	278	3	-	-	PUNCT
easat-8097	278	4	tailed	tailed	ADJ
easat-8097	278	5	)	)	PUNCT
easat-8097	279	1	0.000	0.000	NUM
easat-8097	279	2	0.000	0.000	NUM
easat-8097	280	1	0.000	0.000	NUM
easat-8097	280	2	0.000	0.000	NUM
easat-8097	280	3	0.000	0.000	NUM
easat-8097	280	4	0.000	0.000	NUM
easat-8097	280	5	n	n	NUM
easat-8097	280	6	332	332	NUM
easat-8097	280	7	332	332	NUM
easat-8097	280	8	332	332	NUM
easat-8097	280	9	332	332	NUM
easat-8097	280	10	332	332	NUM
easat-8097	280	11	332	332	NUM
easat-8097	280	12	332	332	NUM
easat-8097	280	13	cp	cp	PROPN
easat-8097	280	14	pearson	pearson	PROPN
easat-8097	280	15	correlation	correlation	NOUN
easat-8097	280	16	0.260	0.260	NUM
easat-8097	280	17	*	*	PUNCT
easat-8097	280	18	*	*	PUNCT
easat-8097	280	19	0.224	0.224	NUM
easat-8097	280	20	*	*	PUNCT
easat-8097	280	21	*	*	PUNCT
easat-8097	280	22	0.307	0.307	NUM
easat-8097	280	23	*	*	PUNCT
easat-8097	280	24	*	*	PUNCT
easat-8097	280	25	1	1	NUM
easat-8097	280	26	0.164	0.164	NUM
easat-8097	280	27	*	*	PUNCT
easat-8097	280	28	*	*	PUNCT
easat-8097	280	29	0.455	0.455	NUM
easat-8097	280	30	*	*	PUNCT
easat-8097	280	31	*	*	PUNCT
easat-8097	281	1	0.428	0.428	NUM
easat-8097	281	2	*	*	PUNCT
easat-8097	281	3	*	*	X
easat-8097	281	4	sig	sig	X
easat-8097	281	5	.	.	PUNCT
easat-8097	282	1	(	(	PUNCT
easat-8097	282	2	2	2	NUM
easat-8097	282	3	-	-	PUNCT
easat-8097	282	4	tailed	tailed	ADJ
easat-8097	282	5	)	)	PUNCT
easat-8097	283	1	0.000	0.000	NUM
easat-8097	283	2	0.000	0.000	NUM
easat-8097	283	3	0.000	0.000	NUM
easat-8097	283	4	0.003	0.003	NUM
easat-8097	283	5	0.000	0.000	NUM
easat-8097	283	6	0.000	0.000	NUM
easat-8097	283	7	n	n	NUM
easat-8097	283	8	332	332	NUM
easat-8097	283	9	332	332	NUM
easat-8097	283	10	332	332	NUM
easat-8097	283	11	332	332	NUM
easat-8097	283	12	332	332	NUM
easat-8097	283	13	332	332	NUM
easat-8097	283	14	332	332	NUM
easat-8097	283	15	ti	ti	NOUN
easat-8097	283	16	pearson	pearson	NOUN
easat-8097	283	17	correlation	correlation	NOUN
easat-8097	283	18	0.210	0.210	NOUN
easat-8097	283	19	*	*	PUNCT
easat-8097	283	20	*	*	PUNCT
easat-8097	283	21	0.344	0.344	NUM
easat-8097	283	22	*	*	PUNCT
easat-8097	284	1	*	*	PUNCT
easat-8097	284	2	0.483	0.483	NUM
easat-8097	284	3	*	*	PUNCT
easat-8097	284	4	*	*	PUNCT
easat-8097	285	1	0.164	0.164	NUM
easat-8097	285	2	*	*	PUNCT
easat-8097	285	3	*	*	PUNCT
easat-8097	285	4	1	1	NUM
easat-8097	285	5	0.336	0.336	NUM
easat-8097	285	6	*	*	PUNCT
easat-8097	285	7	*	*	PUNCT
easat-8097	285	8	0.559	0.559	NUM
easat-8097	285	9	*	*	PUNCT
easat-8097	285	10	*	*	X
easat-8097	285	11	sig	sig	X
easat-8097	285	12	.	.	PUNCT
easat-8097	286	1	(	(	PUNCT
easat-8097	286	2	2	2	NUM
easat-8097	286	3	-	-	PUNCT
easat-8097	286	4	tailed	tailed	ADJ
easat-8097	286	5	)	)	PUNCT
easat-8097	287	1	0.000	0.000	NUM
easat-8097	287	2	0.000	0.000	NUM
easat-8097	287	3	0.000	0.000	NUM
easat-8097	287	4	0.003	0.003	NUM
easat-8097	287	5	0.000	0.000	NUM
easat-8097	287	6	0.000	0.000	NUM
easat-8097	287	7	n	n	NUM
easat-8097	287	8	332	332	NUM
easat-8097	287	9	332	332	NUM
easat-8097	287	10	332	332	NUM
easat-8097	287	11	332	332	NUM
easat-8097	287	12	332	332	NUM
easat-8097	287	13	332	332	NUM
easat-8097	287	14	332	332	NUM
easat-8097	287	15	du	du	PROPN
easat-8097	287	16	pearson	pearson	PROPN
easat-8097	287	17	correlation	correlation	NOUN
easat-8097	287	18	0.219	0.219	NUM
easat-8097	287	19	*	*	PUNCT
easat-8097	287	20	*	*	PUNCT
easat-8097	287	21	0.221	0.221	NUM
easat-8097	287	22	*	*	PUNCT
easat-8097	287	23	*	*	PUNCT
easat-8097	287	24	0.388	0.388	NUM
easat-8097	287	25	*	*	PUNCT
easat-8097	287	26	*	*	PUNCT
easat-8097	287	27	0.455	0.455	NUM
easat-8097	287	28	*	*	PUNCT
easat-8097	287	29	*	*	PUNCT
easat-8097	287	30	0.336	0.336	NUM
easat-8097	287	31	*	*	PUNCT
easat-8097	287	32	*	*	PUNCT
easat-8097	287	33	1	1	NUM
easat-8097	287	34	0.521	0.521	NUM
easat-8097	287	35	*	*	PUNCT
easat-8097	287	36	*	*	NOUN
easat-8097	287	37	sig	sig	X
easat-8097	287	38	.	.	PUNCT
easat-8097	288	1	(	(	PUNCT
easat-8097	288	2	2	2	NUM
easat-8097	288	3	-	-	PUNCT
easat-8097	288	4	tailed	tailed	ADJ
easat-8097	288	5	)	)	PUNCT
easat-8097	289	1	0.000	0.000	NUM
easat-8097	289	2	0.000	0.000	NUM
easat-8097	290	1	0.000	0.000	NUM
easat-8097	290	2	0.000	0.000	NUM
easat-8097	290	3	0.000	0.000	NUM
easat-8097	290	4	0.000	0.000	NUM
easat-8097	290	5	n	n	NUM
easat-8097	290	6	332	332	NUM
easat-8097	290	7	332	332	NUM
easat-8097	290	8	332	332	NUM
easat-8097	290	9	332	332	NUM
easat-8097	290	10	332	332	NUM
easat-8097	290	11	332	332	NUM
easat-8097	290	12	332	332	NUM
easat-8097	290	13	qd	qd	ADP
easat-8097	290	14	pearson	pearson	NOUN
easat-8097	290	15	correlation	correlation	NOUN
easat-8097	290	16	0.383	0.383	NUM
easat-8097	290	17	*	*	PUNCT
easat-8097	290	18	*	*	PUNCT
easat-8097	290	19	0.446	0.446	NUM
easat-8097	290	20	*	*	PUNCT
easat-8097	290	21	*	*	PUNCT
easat-8097	290	22	0.585	0.585	NUM
easat-8097	290	23	*	*	PUNCT
easat-8097	290	24	*	*	PUNCT
easat-8097	290	25	0.428	0.428	NUM
easat-8097	290	26	*	*	PUNCT
easat-8097	290	27	*	*	PUNCT
easat-8097	290	28	0.559	0.559	NUM
easat-8097	290	29	*	*	PUNCT
easat-8097	290	30	*	*	PUNCT
easat-8097	290	31	0.521	0.521	NUM
easat-8097	290	32	*	*	PUNCT
easat-8097	290	33	*	*	PUNCT
easat-8097	290	34	1	1	NUM
easat-8097	290	35	*	*	PUNCT
easat-8097	290	36	*	*	PUNCT
easat-8097	290	37	sig	sig	X
easat-8097	290	38	.	.	PUNCT
easat-8097	291	1	(	(	PUNCT
easat-8097	291	2	2	2	NUM
easat-8097	291	3	-	-	PUNCT
easat-8097	291	4	tailed	tailed	ADJ
easat-8097	291	5	)	)	PUNCT
easat-8097	292	1	0.000	0.000	NUM
easat-8097	292	2	0.000	0.000	NUM
easat-8097	293	1	0.000	0.000	NUM
easat-8097	293	2	0.000	0.000	NUM
easat-8097	293	3	0.000	0.000	NUM
easat-8097	293	4	0.000	0.000	NUM
easat-8097	293	5	n	n	NUM
easat-8097	293	6	332	332	NUM
easat-8097	293	7	332	332	NUM
easat-8097	293	8	332	332	NUM
easat-8097	293	9	332	332	NUM
easat-8097	293	10	332	332	NUM
easat-8097	293	11	332	332	NUM
easat-8097	293	12	332	332	NUM
easat-8097	293	13	4.4.2	4.4.2	NUM
easat-8097	293	14	.	.	PUNCT
easat-8097	294	1	multiple	multiple	ADJ
easat-8097	294	2	regression	regression	NOUN
easat-8097	294	3	analysis	analysis	NOUN
easat-8097	294	4	the	the	DET
easat-8097	294	5	multiple	multiple	ADJ
easat-8097	294	6	regression	regression	NOUN
easat-8097	294	7	equation	equation	NOUN
easat-8097	294	8	of	of	ADP
easat-8097	294	9	this	this	DET
easat-8097	294	10	study	study	NOUN
easat-8097	294	11	is	be	AUX
easat-8097	294	12	presented	present	VERB
easat-8097	294	13	as	as	SCONJ
easat-8097	294	14	follows	follow	VERB
easat-8097	294	15	:	:	PUNCT
easat-8097	294	16	qd	qd	NOUN
easat-8097	294	17	=	=	SYM
easat-8097	294	18	c	c	PROPN
easat-8097	295	1	+	+	CCONJ
easat-8097	295	2	β1*td	β1*td	PUNCT
easat-8097	296	1	+	+	CCONJ
easat-8097	296	2	β2*ccq	β2*ccq	X
easat-8097	296	3	+	+	X
easat-8097	297	1	β3*nt	β3*nt	X
easat-8097	297	2	+	+	CCONJ
easat-8097	297	3	β4*cp	β4*cp	X
easat-8097	297	4	+	+	X
easat-8097	297	5	β5*ti	β5*ti	NOUN
easat-8097	298	1	+	+	CCONJ
easat-8097	298	2	β6*du	β6*du	NOUN
easat-8097	298	3	+	+	CCONJ
easat-8097	298	4	ε	ε	PROPN
easat-8097	298	5	where	where	SCONJ
easat-8097	298	6	:	:	PUNCT
easat-8097	298	7	qd	qd	NOUN
easat-8097	298	8	denotes	denote	VERB
easat-8097	298	9	the	the	DET
easat-8097	298	10	credit	credit	NOUN
easat-8097	298	11	card	card	NOUN
easat-8097	298	12	usage	usage	NOUN
easat-8097	298	13	decision	decision	NOUN
easat-8097	298	14	,	,	PUNCT
easat-8097	298	15	td	td	NOUN
easat-8097	298	16	represents	represent	VERB
easat-8097	298	17	attitude	attitude	NOUN
easat-8097	298	18	,	,	PUNCT
easat-8097	298	19	ccq	ccq	NOUN
easat-8097	298	20	stands	stand	VERB
easat-8097	298	21	for	for	ADP
easat-8097	298	22	subjective	subjective	ADJ
easat-8097	298	23	norms	norm	NOUN
easat-8097	298	24	,	,	PUNCT
easat-8097	298	25	nt	not	PART
easat-8097	298	26	indicates	indicate	VERB
easat-8097	298	27	perceived	perceive	VERB
easat-8097	298	28	behavioral	behavioral	ADJ
easat-8097	298	29	control	control	NOUN
easat-8097	298	30	,	,	PUNCT
easat-8097	298	31	cp	cp	PROPN
easat-8097	298	32	refers	refer	VERB
easat-8097	298	33	to	to	PART
easat-8097	298	34	card	card	VERB
easat-8097	298	35	usage	usage	NOUN
easat-8097	298	36	costs	cost	NOUN
easat-8097	298	37	,	,	PUNCT
easat-8097	298	38	ti	ti	PROPN
easat-8097	298	39	denotes	denote	VERB
easat-8097	298	40	card	card	VERB
easat-8097	298	41	usage	usage	NOUN
easat-8097	298	42	convenience	convenience	NOUN
easat-8097	298	43	,	,	PUNCT
easat-8097	298	44	du	du	PROPN
easat-8097	298	45	captures	capture	NOUN
easat-8097	298	46	responsiveness	responsiveness	NOUN
easat-8097	298	47	of	of	ADP
easat-8097	298	48	the	the	DET
easat-8097	298	49	banking	banking	NOUN
easat-8097	298	50	system	system	NOUN
easat-8097	298	51	,	,	PUNCT
easat-8097	298	52	c	c	PROPN
easat-8097	298	53	is	be	AUX
easat-8097	298	54	the	the	DET
easat-8097	298	55	constant	constant	ADJ
easat-8097	298	56	term	term	NOUN
easat-8097	298	57	,	,	PUNCT
easat-8097	298	58	β₁–β₆	β₁–β₆	PROPN
easat-8097	298	59	are	be	AUX
easat-8097	298	60	the	the	DET
easat-8097	298	61	regression	regression	NOUN
easat-8097	298	62	coefficients	coefficient	NOUN
easat-8097	298	63	,	,	PUNCT
easat-8097	298	64	and	and	CCONJ
easat-8097	298	65	ε	ε	PROPN
easat-8097	298	66	is	be	AUX
easat-8097	298	67	the	the	DET
easat-8097	298	68	error	error	NOUN
easat-8097	298	69	term	term	NOUN
easat-8097	298	70	.	.	PUNCT
easat-8097	299	1	this	this	DET
easat-8097	299	2	model	model	NOUN
easat-8097	299	3	was	be	AUX
easat-8097	299	4	estimated	estimate	VERB
easat-8097	299	5	using	use	VERB
easat-8097	299	6	spss	spss	PROPN
easat-8097	299	7	20.0	20.0	NUM
easat-8097	299	8	software	software	NOUN
easat-8097	299	9	,	,	PUNCT
easat-8097	299	10	applying	apply	VERB
easat-8097	299	11	the	the	DET
easat-8097	299	12	enter	enter	NOUN
easat-8097	299	13	method	method	NOUN
easat-8097	299	14	to	to	PART
easat-8097	299	15	simultaneously	simultaneously	ADV
easat-8097	299	16	assess	assess	VERB
easat-8097	299	17	the	the	DET
easat-8097	299	18	influence	influence	NOUN
easat-8097	299	19	of	of	ADP
easat-8097	299	20	all	all	DET
easat-8097	299	21	independent	independent	ADJ
easat-8097	299	22	variables	variable	NOUN
easat-8097	299	23	on	on	ADP
easat-8097	299	24	credit	credit	NOUN
easat-8097	299	25	card	card	NOUN
easat-8097	299	26	usage	usage	NOUN
easat-8097	299	27	decisions	decision	NOUN
easat-8097	299	28	.	.	PUNCT
easat-8097	300	1	the	the	DET
easat-8097	300	2	detailed	detailed	ADJ
easat-8097	300	3	regression	regression	NOUN
easat-8097	300	4	outcomes	outcome	NOUN
easat-8097	300	5	are	be	AUX
easat-8097	300	6	presented	present	VERB
easat-8097	300	7	in	in	ADP
easat-8097	300	8	the	the	DET
easat-8097	300	9	following	follow	VERB
easat-8097	300	10	tables	table	NOUN
easat-8097	300	11	.	.	PUNCT
easat-8097	301	1	1227	1227	NUM
easat-8097	301	2	edelweiss	edelweiss	PROPN
easat-8097	301	3	applied	apply	VERB
easat-8097	301	4	science	science	NOUN
easat-8097	301	5	and	and	CCONJ
easat-8097	301	6	technology	technology	NOUN
easat-8097	301	7	issn	issn	PROPN
easat-8097	301	8	:	:	PUNCT
easat-8097	301	9	2576	2576	NUM
easat-8097	301	10	-	-	SYM
easat-8097	301	11	8484	8484	NUM
easat-8097	301	12	vol	vol	NOUN
easat-8097	301	13	.	.	PROPN
easat-8097	302	1	9	9	NUM
easat-8097	302	2	,	,	PUNCT
easat-8097	302	3	no	no	INTJ
easat-8097	302	4	.	.	NOUN
easat-8097	302	5	6	6	NUM
easat-8097	302	6	:	:	SYM
easat-8097	302	7	1215	1215	NUM
easat-8097	302	8	-	-	SYM
easat-8097	302	9	1232	1232	NUM
easat-8097	302	10	,	,	PUNCT
easat-8097	302	11	2025	2025	NUM
easat-8097	302	12	doi	doi	NOUN
easat-8097	302	13	:	:	PUNCT
easat-8097	302	14	10.55214/25768484.v9i6.8097	10.55214/25768484.v9i6.8097	NUM
easat-8097	302	15	©	©	PROPN
easat-8097	302	16	2025	2025	NUM
easat-8097	302	17	by	by	ADP
easat-8097	302	18	the	the	DET
easat-8097	302	19	authors	author	NOUN
easat-8097	302	20	;	;	PUNCT
easat-8097	303	1	licensee	licensee	PROPN
easat-8097	303	2	learning	learn	VERB
easat-8097	303	3	gate	gate	NOUN
easat-8097	303	4	table	table	NOUN
easat-8097	303	5	10	10	NUM
easat-8097	303	6	.	.	PUNCT
easat-8097	303	7	model	model	NOUN
easat-8097	303	8	summary	summary	PROPN
easat-8097	303	9	.	.	PUNCT
easat-8097	304	1	model	model	NOUN
easat-8097	304	2	r	r	NOUN
easat-8097	304	3	r	r	NOUN
easat-8097	304	4	square	square	ADJ
easat-8097	304	5	adjusted	adjust	VERB
easat-8097	304	6	r	r	NOUN
easat-8097	304	7	square	square	ADJ
easat-8097	304	8	std	std	NOUN
easat-8097	304	9	.	.	PUNCT
easat-8097	304	10	error	error	NOUN
easat-8097	304	11	of	of	ADP
easat-8097	304	12	the	the	DET
easat-8097	304	13	estimate	estimate	NOUN
easat-8097	304	14	durbin	durbin	NOUN
easat-8097	304	15	-	-	PUNCT
easat-8097	304	16	watson	watson	PROPN
easat-8097	304	17	1	1	NUM
easat-8097	304	18	0.765a	0.765a	NOUN
easat-8097	304	19	0.586	0.586	NUM
easat-8097	304	20	0.578	0.578	NUM
easat-8097	304	21	0.461	0.461	NUM
easat-8097	304	22	1.904	1.904	NUM
easat-8097	304	23	the	the	DET
easat-8097	304	24	results	result	NOUN
easat-8097	304	25	of	of	ADP
easat-8097	304	26	the	the	DET
easat-8097	304	27	multiple	multiple	ADJ
easat-8097	304	28	regression	regression	NOUN
easat-8097	304	29	analysis	analysis	NOUN
easat-8097	304	30	indicate	indicate	VERB
easat-8097	304	31	that	that	SCONJ
easat-8097	304	32	the	the	DET
easat-8097	304	33	model	model	NOUN
easat-8097	304	34	explains	explain	VERB
easat-8097	304	35	a	a	DET
easat-8097	304	36	significant	significant	ADJ
easat-8097	304	37	portion	portion	NOUN
easat-8097	304	38	of	of	ADP
easat-8097	304	39	the	the	DET
easat-8097	304	40	variation	variation	NOUN
easat-8097	304	41	in	in	ADP
easat-8097	304	42	credit	credit	NOUN
easat-8097	304	43	card	card	NOUN
easat-8097	304	44	usage	usage	NOUN
easat-8097	304	45	decisions	decision	NOUN
easat-8097	304	46	based	base	VERB
easat-8097	304	47	on	on	ADP
easat-8097	304	48	the	the	DET
easat-8097	304	49	selected	select	VERB
easat-8097	304	50	independent	independent	ADJ
easat-8097	304	51	variables	variable	NOUN
easat-8097	304	52	.	.	PUNCT
easat-8097	305	1	however	however	ADV
easat-8097	305	2	,	,	PUNCT
easat-8097	305	3	there	there	PRON
easat-8097	305	4	is	be	VERB
easat-8097	305	5	potential	potential	ADJ
easat-8097	305	6	for	for	ADP
easat-8097	305	7	further	further	ADJ
easat-8097	305	8	improvement	improvement	NOUN
easat-8097	305	9	in	in	ADP
easat-8097	305	10	the	the	DET
easat-8097	305	11	explanatory	explanatory	ADJ
easat-8097	305	12	power	power	NOUN
easat-8097	305	13	of	of	ADP
easat-8097	305	14	the	the	DET
easat-8097	305	15	model	model	NOUN
easat-8097	305	16	by	by	ADP
easat-8097	305	17	incorporating	incorporate	VERB
easat-8097	305	18	additional	additional	ADJ
easat-8097	305	19	variables	variable	NOUN
easat-8097	305	20	or	or	CCONJ
easat-8097	305	21	optimizing	optimize	VERB
easat-8097	305	22	the	the	DET
easat-8097	305	23	current	current	ADJ
easat-8097	305	24	model	model	NOUN
easat-8097	305	25	specification	specification	NOUN
easat-8097	305	26	.	.	PUNCT
easat-8097	306	1	specifically	specifically	ADV
easat-8097	306	2	,	,	PUNCT
easat-8097	306	3	the	the	DET
easat-8097	306	4	model	model	NOUN
easat-8097	306	5	yields	yield	VERB
easat-8097	306	6	an	an	DET
easat-8097	306	7	r²	r²	NOUN
easat-8097	306	8	of	of	ADP
easat-8097	306	9	58.6	58.6	NUM
easat-8097	306	10	%	%	NOUN
easat-8097	306	11	and	and	CCONJ
easat-8097	306	12	an	an	DET
easat-8097	306	13	adjusted	adjust	VERB
easat-8097	306	14	r²	r²	NOUN
easat-8097	306	15	of	of	ADP
easat-8097	306	16	57.8	57.8	NUM
easat-8097	306	17	%	%	NOUN
easat-8097	306	18	,	,	PUNCT
easat-8097	306	19	suggesting	suggest	VERB
easat-8097	306	20	that	that	SCONJ
easat-8097	306	21	58.6	58.6	NUM
easat-8097	306	22	%	%	NOUN
easat-8097	306	23	of	of	ADP
easat-8097	306	24	the	the	DET
easat-8097	306	25	variance	variance	NOUN
easat-8097	306	26	in	in	ADP
easat-8097	306	27	the	the	DET
easat-8097	306	28	dependent	dependent	ADJ
easat-8097	306	29	variable	variable	NOUN
easat-8097	306	30	,	,	PUNCT
easat-8097	306	31	credit	credit	NOUN
easat-8097	306	32	card	card	NOUN
easat-8097	306	33	usage	usage	NOUN
easat-8097	306	34	decision	decision	NOUN
easat-8097	306	35	(	(	PUNCT
easat-8097	306	36	qd	qd	NOUN
easat-8097	306	37	)	)	PUNCT
easat-8097	306	38	,	,	PUNCT
easat-8097	306	39	is	be	AUX
easat-8097	306	40	accounted	account	VERB
easat-8097	306	41	for	for	ADP
easat-8097	306	42	by	by	ADP
easat-8097	306	43	the	the	DET
easat-8097	306	44	independent	independent	ADJ
easat-8097	306	45	variables	variable	NOUN
easat-8097	306	46	.	.	PUNCT
easat-8097	307	1	the	the	DET
easat-8097	307	2	small	small	ADJ
easat-8097	307	3	decrease	decrease	NOUN
easat-8097	307	4	in	in	ADP
easat-8097	307	5	adjusted	adjusted	ADJ
easat-8097	307	6	r²	r²	NOUN
easat-8097	307	7	is	be	AUX
easat-8097	307	8	to	to	PART
easat-8097	307	9	be	be	AUX
easat-8097	307	10	expected	expect	VERB
easat-8097	307	11	,	,	PUNCT
easat-8097	307	12	as	as	SCONJ
easat-8097	307	13	it	it	PRON
easat-8097	307	14	compensates	compensate	VERB
easat-8097	307	15	for	for	ADP
easat-8097	307	16	the	the	DET
easat-8097	307	17	number	number	NOUN
easat-8097	307	18	of	of	ADP
easat-8097	307	19	predictors	predictor	NOUN
easat-8097	307	20	included	include	VERB
easat-8097	307	21	in	in	ADP
easat-8097	307	22	the	the	DET
easat-8097	307	23	model	model	NOUN
easat-8097	307	24	.	.	PUNCT
easat-8097	308	1	this	this	DET
easat-8097	308	2	marginal	marginal	ADJ
easat-8097	308	3	reduction	reduction	NOUN
easat-8097	308	4	does	do	AUX
easat-8097	308	5	not	not	PART
easat-8097	308	6	detract	detract	VERB
easat-8097	308	7	from	from	ADP
easat-8097	308	8	the	the	DET
easat-8097	308	9	overall	overall	ADJ
easat-8097	308	10	explanatory	explanatory	ADJ
easat-8097	308	11	power	power	NOUN
easat-8097	308	12	of	of	ADP
easat-8097	308	13	the	the	DET
easat-8097	308	14	model	model	NOUN
easat-8097	308	15	.	.	PUNCT
easat-8097	309	1	furthermore	furthermore	ADV
easat-8097	309	2	,	,	PUNCT
easat-8097	309	3	the	the	DET
easat-8097	309	4	regression	regression	NOUN
easat-8097	309	5	results	result	VERB
easat-8097	309	6	table	table	NOUN
easat-8097	309	7	shows	show	VERB
easat-8097	309	8	that	that	SCONJ
easat-8097	309	9	the	the	DET
easat-8097	309	10	standard	standard	ADJ
easat-8097	309	11	error	error	NOUN
easat-8097	309	12	of	of	ADP
easat-8097	309	13	the	the	DET
easat-8097	309	14	estimate	estimate	NOUN
easat-8097	309	15	is	be	AUX
easat-8097	309	16	0.461	0.461	NUM
easat-8097	309	17	,	,	PUNCT
easat-8097	309	18	which	which	PRON
easat-8097	309	19	is	be	AUX
easat-8097	309	20	a	a	DET
easat-8097	309	21	key	key	ADJ
easat-8097	309	22	indicator	indicator	NOUN
easat-8097	309	23	of	of	ADP
easat-8097	309	24	the	the	DET
easat-8097	309	25	model	model	NOUN
easat-8097	309	26	's	's	PART
easat-8097	309	27	accuracy	accuracy	NOUN
easat-8097	309	28	.	.	PUNCT
easat-8097	310	1	a	a	DET
easat-8097	310	2	lower	low	ADJ
easat-8097	310	3	standard	standard	ADJ
easat-8097	310	4	error	error	NOUN
easat-8097	310	5	reflects	reflect	VERB
easat-8097	310	6	a	a	DET
easat-8097	310	7	smaller	small	ADJ
easat-8097	310	8	difference	difference	NOUN
easat-8097	310	9	between	between	ADP
easat-8097	310	10	the	the	DET
easat-8097	310	11	predicted	predict	VERB
easat-8097	310	12	values	value	NOUN
easat-8097	310	13	and	and	CCONJ
easat-8097	310	14	the	the	DET
easat-8097	310	15	actual	actual	ADJ
easat-8097	310	16	values	value	NOUN
easat-8097	310	17	,	,	PUNCT
easat-8097	310	18	signifying	signify	VERB
easat-8097	310	19	a	a	DET
easat-8097	310	20	more	more	ADV
easat-8097	310	21	precise	precise	ADJ
easat-8097	310	22	model	model	NOUN
easat-8097	310	23	.	.	PUNCT
easat-8097	311	1	regarding	regard	VERB
easat-8097	311	2	the	the	DET
easat-8097	311	3	issue	issue	NOUN
easat-8097	311	4	of	of	ADP
easat-8097	311	5	autocorrelation	autocorrelation	NOUN
easat-8097	311	6	among	among	ADP
easat-8097	311	7	residuals	residual	NOUN
easat-8097	311	8	,	,	PUNCT
easat-8097	311	9	the	the	DET
easat-8097	311	10	durbin	durbin	NOUN
easat-8097	311	11	-	-	PUNCT
easat-8097	311	12	watson	watson	NOUN
easat-8097	311	13	(	(	PUNCT
easat-8097	311	14	d	d	NOUN
easat-8097	311	15	)	)	PUNCT
easat-8097	311	16	statistic	statistic	NOUN
easat-8097	311	17	is	be	AUX
easat-8097	311	18	reported	report	VERB
easat-8097	311	19	as	as	ADP
easat-8097	311	20	1.904	1.904	NUM
easat-8097	311	21	.	.	PUNCT
easat-8097	312	1	given	give	VERB
easat-8097	312	2	that	that	SCONJ
easat-8097	312	3	this	this	DET
easat-8097	312	4	value	value	NOUN
easat-8097	312	5	is	be	AUX
easat-8097	312	6	close	close	ADJ
easat-8097	312	7	to	to	ADP
easat-8097	312	8	2	2	NUM
easat-8097	312	9	,	,	PUNCT
easat-8097	312	10	we	we	PRON
easat-8097	312	11	conclude	conclude	VERB
easat-8097	312	12	that	that	SCONJ
easat-8097	312	13	there	there	PRON
easat-8097	312	14	is	be	VERB
easat-8097	312	15	no	no	DET
easat-8097	312	16	significant	significant	ADJ
easat-8097	312	17	autocorrelation	autocorrelation	NOUN
easat-8097	312	18	between	between	ADP
easat-8097	312	19	the	the	DET
easat-8097	312	20	residuals	residual	NOUN
easat-8097	312	21	,	,	PUNCT
easat-8097	312	22	which	which	PRON
easat-8097	312	23	supports	support	VERB
easat-8097	312	24	the	the	DET
easat-8097	312	25	assumption	assumption	NOUN
easat-8097	312	26	of	of	ADP
easat-8097	312	27	their	their	PRON
easat-8097	312	28	independence	independence	NOUN
easat-8097	312	29	.	.	PUNCT
easat-8097	313	1	this	this	PRON
easat-8097	313	2	is	be	AUX
easat-8097	313	3	a	a	DET
easat-8097	313	4	positive	positive	ADJ
easat-8097	313	5	indication	indication	NOUN
easat-8097	313	6	of	of	ADP
easat-8097	313	7	the	the	DET
easat-8097	313	8	model	model	NOUN
easat-8097	313	9	’s	’s	PART
easat-8097	313	10	reliability	reliability	NOUN
easat-8097	313	11	and	and	CCONJ
easat-8097	313	12	minimizes	minimize	VERB
easat-8097	313	13	the	the	DET
easat-8097	313	14	risk	risk	NOUN
easat-8097	313	15	of	of	ADP
easat-8097	313	16	biased	biased	ADJ
easat-8097	313	17	estimates	estimate	NOUN
easat-8097	313	18	regarding	regard	VERB
easat-8097	313	19	the	the	DET
easat-8097	313	20	influence	influence	NOUN
easat-8097	313	21	of	of	ADP
easat-8097	313	22	the	the	DET
easat-8097	313	23	independent	independent	ADJ
easat-8097	313	24	variables	variable	NOUN
easat-8097	313	25	on	on	ADP
easat-8097	313	26	the	the	DET
easat-8097	313	27	dependent	dependent	ADJ
easat-8097	313	28	variable	variable	NOUN
easat-8097	313	29	.	.	PUNCT
easat-8097	314	1	next	next	ADV
easat-8097	314	2	,	,	PUNCT
easat-8097	314	3	the	the	DET
easat-8097	314	4	model	model	NOUN
easat-8097	314	5	’s	’s	PART
easat-8097	314	6	suitability	suitability	NOUN
easat-8097	314	7	will	will	AUX
easat-8097	314	8	be	be	AUX
easat-8097	314	9	re	re	VERB
easat-8097	314	10	-	-	VERB
easat-8097	314	11	assessed	assess	VERB
easat-8097	314	12	through	through	ADP
easat-8097	314	13	anova	anova	PROPN
easat-8097	314	14	analysis	analysis	NOUN
easat-8097	314	15	to	to	PART
easat-8097	314	16	further	far	ADV
easat-8097	314	17	verify	verify	VERB
easat-8097	314	18	its	its	PRON
easat-8097	314	19	appropriateness	appropriateness	NOUN
easat-8097	314	20	and	and	CCONJ
easat-8097	314	21	robustness	robustness	NOUN
easat-8097	314	22	.	.	PUNCT
easat-8097	315	1	table	table	NOUN
easat-8097	315	2	11	11	NUM
easat-8097	315	3	.	.	PUNCT
easat-8097	316	1	anova	anova	PROPN
easat-8097	316	2	.	.	PUNCT
easat-8097	316	3	model	model	PROPN
easat-8097	316	4	sum	sum	NOUN
easat-8097	316	5	of	of	ADP
easat-8097	316	6	squares	square	NOUN
easat-8097	316	7	df	df	PROPN
easat-8097	316	8	mean	mean	PROPN
easat-8097	316	9	square	square	PROPN
easat-8097	316	10	f	f	PROPN
easat-8097	316	11	sig	sig	PROPN
easat-8097	316	12	.	.	PUNCT
easat-8097	317	1	regression	regression	VERB
easat-8097	317	2	97.522	97.522	NUM
easat-8097	317	3	6	6	NUM
easat-8097	317	4	16.254	16.254	NUM
easat-8097	317	5	76.575	76.575	NUM
easat-8097	317	6	0.000	0.000	NUM
easat-8097	317	7	b	b	NOUN
easat-8097	317	8	residual	residual	ADJ
easat-8097	317	9	68.984	68.984	NUM
easat-8097	317	10	325	325	NUM
easat-8097	317	11	0.212	0.212	NUM
easat-8097	317	12	total	total	ADJ
easat-8097	317	13	166.506	166.506	NUM
easat-8097	317	14	331	331	NUM
easat-8097	317	15	the	the	DET
easat-8097	317	16	anova	anova	PROPN
easat-8097	317	17	results	result	NOUN
easat-8097	317	18	provide	provide	VERB
easat-8097	317	19	strong	strong	ADJ
easat-8097	317	20	evidence	evidence	NOUN
easat-8097	317	21	that	that	SCONJ
easat-8097	317	22	the	the	DET
easat-8097	317	23	regression	regression	NOUN
easat-8097	317	24	model	model	NOUN
easat-8097	317	25	fits	fit	VERB
easat-8097	317	26	the	the	DET
easat-8097	317	27	data	datum	NOUN
easat-8097	317	28	well	well	ADV
easat-8097	317	29	.	.	PUNCT
easat-8097	318	1	the	the	DET
easat-8097	318	2	analysis	analysis	NOUN
easat-8097	318	3	of	of	ADP
easat-8097	318	4	variance	variance	NOUN
easat-8097	318	5	table	table	NOUN
easat-8097	318	6	compares	compare	VERB
easat-8097	318	7	the	the	DET
easat-8097	318	8	sum	sum	NOUN
easat-8097	318	9	of	of	ADP
easat-8097	318	10	squares	square	NOUN
easat-8097	318	11	between	between	ADP
easat-8097	318	12	the	the	DET
easat-8097	318	13	regression	regression	NOUN
easat-8097	318	14	model	model	NOUN
easat-8097	318	15	and	and	CCONJ
easat-8097	318	16	the	the	DET
easat-8097	318	17	residuals	residual	NOUN
easat-8097	318	18	.	.	PUNCT
easat-8097	319	1	the	the	DET
easat-8097	319	2	sum	sum	NOUN
easat-8097	319	3	of	of	ADP
easat-8097	319	4	squares	square	NOUN
easat-8097	319	5	for	for	ADP
easat-8097	319	6	the	the	DET
easat-8097	319	7	regression	regression	NOUN
easat-8097	319	8	model	model	NOUN
easat-8097	319	9	is	be	AUX
easat-8097	319	10	97.522	97.522	NUM
easat-8097	319	11	,	,	PUNCT
easat-8097	319	12	with	with	ADP
easat-8097	319	13	a	a	DET
easat-8097	319	14	degree	degree	NOUN
easat-8097	319	15	of	of	ADP
easat-8097	319	16	freedom	freedom	NOUN
easat-8097	319	17	(	(	PUNCT
easat-8097	319	18	df	df	NOUN
easat-8097	319	19	)	)	PUNCT
easat-8097	319	20	of	of	ADP
easat-8097	319	21	6	6	NUM
easat-8097	319	22	,	,	PUNCT
easat-8097	319	23	resulting	result	VERB
easat-8097	319	24	in	in	ADP
easat-8097	319	25	a	a	DET
easat-8097	319	26	mean	mean	ADJ
easat-8097	319	27	square	square	ADJ
easat-8097	319	28	value	value	NOUN
easat-8097	319	29	of	of	ADP
easat-8097	319	30	16.254	16.254	NUM
easat-8097	319	31	.	.	PUNCT
easat-8097	320	1	the	the	DET
easat-8097	320	2	f	f	NOUN
easat-8097	320	3	-	-	PUNCT
easat-8097	320	4	statistic	statistic	NOUN
easat-8097	320	5	is	be	AUX
easat-8097	320	6	calculated	calculate	VERB
easat-8097	320	7	as	as	ADP
easat-8097	320	8	76.575	76.575	NUM
easat-8097	320	9	,	,	PUNCT
easat-8097	320	10	and	and	CCONJ
easat-8097	320	11	the	the	DET
easat-8097	320	12	p	p	NOUN
easat-8097	320	13	-	-	PUNCT
easat-8097	320	14	value	value	NOUN
easat-8097	320	15	(	(	PUNCT
easat-8097	320	16	sig	sig	NOUN
easat-8097	320	17	.	.	PUNCT
easat-8097	320	18	)	)	PUNCT
easat-8097	320	19	is	be	AUX
easat-8097	320	20	0.000	0.000	NUM
easat-8097	320	21	.	.	PUNCT
easat-8097	321	1	given	give	VERB
easat-8097	321	2	that	that	SCONJ
easat-8097	321	3	the	the	DET
easat-8097	321	4	p	p	NOUN
easat-8097	321	5	-	-	PUNCT
easat-8097	321	6	value	value	NOUN
easat-8097	321	7	is	be	AUX
easat-8097	321	8	significantly	significantly	ADV
easat-8097	321	9	lower	low	ADJ
easat-8097	321	10	than	than	ADP
easat-8097	321	11	the	the	DET
easat-8097	321	12	conventional	conventional	ADJ
easat-8097	321	13	threshold	threshold	NOUN
easat-8097	321	14	of	of	ADP
easat-8097	321	15	0.05	0.05	NUM
easat-8097	321	16	,	,	PUNCT
easat-8097	321	17	we	we	PRON
easat-8097	321	18	can	can	AUX
easat-8097	321	19	confidently	confidently	ADV
easat-8097	321	20	conclude	conclude	VERB
easat-8097	321	21	that	that	SCONJ
easat-8097	321	22	the	the	DET
easat-8097	321	23	regression	regression	NOUN
easat-8097	321	24	model	model	NOUN
easat-8097	321	25	is	be	AUX
easat-8097	321	26	statistically	statistically	ADV
easat-8097	321	27	significant	significant	ADJ
easat-8097	321	28	.	.	PUNCT
easat-8097	322	1	this	this	PRON
easat-8097	322	2	indicates	indicate	VERB
easat-8097	322	3	that	that	SCONJ
easat-8097	322	4	there	there	PRON
easat-8097	322	5	is	be	VERB
easat-8097	322	6	a	a	DET
easat-8097	322	7	significant	significant	ADJ
easat-8097	322	8	difference	difference	NOUN
easat-8097	322	9	between	between	ADP
easat-8097	322	10	the	the	DET
easat-8097	322	11	regression	regression	NOUN
easat-8097	322	12	model	model	NOUN
easat-8097	322	13	and	and	CCONJ
easat-8097	322	14	the	the	DET
easat-8097	322	15	residuals	residual	NOUN
easat-8097	322	16	,	,	PUNCT
easat-8097	322	17	further	far	ADV
easat-8097	322	18	reinforcing	reinforce	VERB
easat-8097	322	19	the	the	DET
easat-8097	322	20	model	model	NOUN
easat-8097	322	21	's	's	PART
easat-8097	322	22	ability	ability	NOUN
easat-8097	322	23	to	to	PART
easat-8097	322	24	explain	explain	VERB
easat-8097	322	25	a	a	DET
easat-8097	322	26	substantial	substantial	ADJ
easat-8097	322	27	portion	portion	NOUN
easat-8097	322	28	of	of	ADP
easat-8097	322	29	the	the	DET
easat-8097	322	30	variation	variation	NOUN
easat-8097	322	31	in	in	ADP
easat-8097	322	32	the	the	DET
easat-8097	322	33	dependent	dependent	ADJ
easat-8097	322	34	variable	variable	NOUN
easat-8097	322	35	.	.	PUNCT
easat-8097	323	1	in	in	ADP
easat-8097	323	2	essence	essence	NOUN
easat-8097	323	3	,	,	PUNCT
easat-8097	323	4	the	the	DET
easat-8097	323	5	low	low	ADJ
easat-8097	323	6	pvalue	pvalue	NOUN
easat-8097	323	7	provides	provide	VERB
easat-8097	323	8	strong	strong	ADJ
easat-8097	323	9	support	support	NOUN
easat-8097	323	10	for	for	ADP
easat-8097	323	11	the	the	DET
easat-8097	323	12	hypothesis	hypothesis	NOUN
easat-8097	323	13	that	that	PRON
easat-8097	323	14	the	the	DET
easat-8097	323	15	regression	regression	NOUN
easat-8097	323	16	model	model	NOUN
easat-8097	323	17	is	be	AUX
easat-8097	323	18	a	a	DET
easat-8097	323	19	good	good	ADJ
easat-8097	323	20	fit	fit	NOUN
easat-8097	323	21	for	for	ADP
easat-8097	323	22	the	the	DET
easat-8097	323	23	data	datum	NOUN
easat-8097	323	24	.	.	PUNCT
easat-8097	324	1	1228	1228	NUM
easat-8097	324	2	edelweiss	edelweiss	PROPN
easat-8097	324	3	applied	apply	VERB
easat-8097	324	4	science	science	NOUN
easat-8097	324	5	and	and	CCONJ
easat-8097	324	6	technology	technology	NOUN
easat-8097	324	7	issn	issn	PROPN
easat-8097	324	8	:	:	PUNCT
easat-8097	324	9	2576	2576	NUM
easat-8097	324	10	-	-	SYM
easat-8097	324	11	8484	8484	NUM
easat-8097	324	12	vol	vol	NOUN
easat-8097	324	13	.	.	PROPN
easat-8097	325	1	9	9	NUM
easat-8097	325	2	,	,	PUNCT
easat-8097	325	3	no	no	INTJ
easat-8097	325	4	.	.	NOUN
easat-8097	325	5	6	6	NUM
easat-8097	325	6	:	:	SYM
easat-8097	325	7	1215	1215	NUM
easat-8097	325	8	-	-	SYM
easat-8097	325	9	1232	1232	NUM
easat-8097	325	10	,	,	PUNCT
easat-8097	325	11	2025	2025	NUM
easat-8097	325	12	doi	doi	NOUN
easat-8097	325	13	:	:	PUNCT
easat-8097	325	14	10.55214/25768484.v9i6.8097	10.55214/25768484.v9i6.8097	NUM
easat-8097	325	15	©	©	PROPN
easat-8097	325	16	2025	2025	NUM
easat-8097	325	17	by	by	ADP
easat-8097	325	18	the	the	DET
easat-8097	325	19	authors	author	NOUN
easat-8097	325	20	;	;	PUNCT
easat-8097	325	21	licensee	licensee	PROPN
easat-8097	325	22	learning	learn	VERB
easat-8097	325	23	gate	gate	NOUN
easat-8097	325	24	table	table	NOUN
easat-8097	325	25	12	12	NUM
easat-8097	325	26	.	.	PUNCT
easat-8097	326	1	regression	regression	NOUN
easat-8097	326	2	results	result	NOUN
easat-8097	326	3	.	.	PUNCT
easat-8097	327	1	model	model	NOUN
easat-8097	327	2	unstandardized	unstandardized	ADJ
easat-8097	327	3	coefficients	coefficient	NOUN
easat-8097	327	4	standardized	standardize	VERB
easat-8097	327	5	coefficients	coefficient	NOUN
easat-8097	327	6	t	t	PROPN
easat-8097	327	7	sig	sig	PROPN
easat-8097	327	8	.	.	PUNCT
easat-8097	328	1	collinearity	collinearity	PROPN
easat-8097	328	2	statistics	statistic	NOUN
easat-8097	328	3	b	b	NOUN
easat-8097	328	4	std	std	PROPN
easat-8097	328	5	.	.	NOUN
easat-8097	328	6	error	error	NOUN
easat-8097	328	7	beta	beta	NOUN
easat-8097	328	8	tolerance	tolerance	NOUN
easat-8097	328	9	vif	vif	NOUN
easat-8097	328	10	(	(	PUNCT
easat-8097	328	11	constant	constant	ADJ
easat-8097	328	12	)	)	PUNCT
easat-8097	328	13	-0.753	-0.753	PUNCT
easat-8097	328	14	0.184	0.184	NUM
easat-8097	328	15	-4.094	-4.094	NUM
easat-8097	328	16	0.000	0.000	NUM
easat-8097	328	17	td	td	NOUN
easat-8097	328	18	0.141	0.141	NUM
easat-8097	328	19	0.048	0.048	NUM
easat-8097	328	20	0.117	0.117	NUM
easat-8097	328	21	2.958	2.958	NUM
easat-8097	328	22	0.003	0.003	NUM
easat-8097	328	23	0.811	0.811	NUM
easat-8097	328	24	1,233	1,233	NUM
easat-8097	328	25	ccq	ccq	NOUN
easat-8097	328	26	0.207	0.207	NUM
easat-8097	328	27	0.050	0.050	NUM
easat-8097	328	28	0.167	0.167	NUM
easat-8097	328	29	4.119	4.119	NUM
easat-8097	328	30	0.000	0.000	NUM
easat-8097	328	31	0.774	0.774	NUM
easat-8097	328	32	1,292	1,292	NUM
easat-8097	328	33	nt	not	PART
easat-8097	328	34	0.273	0.273	NUM
easat-8097	328	35	0.045	0.045	NUM
easat-8097	328	36	0.264	0.264	NUM
easat-8097	328	37	6.086	6.086	NUM
easat-8097	328	38	0.000	0.000	NUM
easat-8097	328	39	0.679	0.679	NUM
easat-8097	328	40	1,472	1,472	NUM
easat-8097	328	41	cp	cp	NUM
easat-8097	328	42	0.162	0.162	NUM
easat-8097	328	43	0.047	0.047	NUM
easat-8097	328	44	0.144	0.144	NUM
easat-8097	328	45	3.480	3.480	NUM
easat-8097	328	46	0.001	0.001	NUM
easat-8097	328	47	0.744	0.744	NUM
easat-8097	328	48	1,344	1,344	NUM
easat-8097	328	49	ti	ti	NOUN
easat-8097	328	50	0.272	0.272	NUM
easat-8097	328	51	0.045	0.045	NUM
easat-8097	328	52	0.257	0.257	NUM
easat-8097	328	53	5.989	5.989	NUM
easat-8097	328	54	0.000	0.000	NUM
easat-8097	328	55	0.693	0.693	NUM
easat-8097	328	56	1,443	1,443	NUM
easat-8097	328	57	du	du	NOUN
easat-8097	328	58	0.233	0.233	NUM
easat-8097	328	59	0.049	0.049	NUM
easat-8097	328	60	0.205	0.205	NUM
easat-8097	328	61	4.781	4.781	NUM
easat-8097	328	62	0.000	0.000	NUM
easat-8097	328	63	0.696	0.696	NUM
easat-8097	328	64	1,436	1,436	NUM
easat-8097	328	65	from	from	ADP
easat-8097	328	66	the	the	DET
easat-8097	328	67	regression	regression	NOUN
easat-8097	328	68	analysis	analysis	NOUN
easat-8097	328	69	results	result	NOUN
easat-8097	328	70	,	,	PUNCT
easat-8097	328	71	the	the	DET
easat-8097	328	72	following	follow	VERB
easat-8097	328	73	standardized	standardized	ADJ
easat-8097	328	74	regression	regression	NOUN
easat-8097	328	75	equation	equation	NOUN
easat-8097	328	76	was	be	AUX
easat-8097	328	77	derived	derive	VERB
easat-8097	328	78	:	:	PUNCT
easat-8097	328	79	qd	qd	NOUN
easat-8097	328	80	=	=	SYM
easat-8097	328	81	0.117*td	0.117*td	PROPN
easat-8097	328	82	+	+	CCONJ
easat-8097	328	83	0.167*ccq	0.167*ccq	PUNCT
easat-8097	329	1	+	+	NUM
easat-8097	329	2	0.264*nt	0.264*nt	NUM
easat-8097	329	3	+	+	CCONJ
easat-8097	329	4	0.144*cp	0.144*cp	NUM
easat-8097	329	5	+	+	NUM
easat-8097	329	6	0.257*ti	0.257*ti	NUM
easat-8097	329	7	+	+	SYM
easat-8097	329	8	0.205*du	0.205*du	NUM
easat-8097	329	9	the	the	DET
easat-8097	329	10	findings	finding	NOUN
easat-8097	329	11	from	from	ADP
easat-8097	329	12	the	the	DET
easat-8097	329	13	multiple	multiple	ADJ
easat-8097	329	14	regression	regression	NOUN
easat-8097	329	15	analysis	analysis	NOUN
easat-8097	329	16	indicate	indicate	VERB
easat-8097	329	17	statistically	statistically	ADV
easat-8097	329	18	significant	significant	ADJ
easat-8097	329	19	positive	positive	ADJ
easat-8097	329	20	relationships	relationship	NOUN
easat-8097	329	21	between	between	ADP
easat-8097	329	22	all	all	DET
easat-8097	329	23	independent	independent	ADJ
easat-8097	329	24	variables	variable	NOUN
easat-8097	329	25	and	and	CCONJ
easat-8097	329	26	the	the	DET
easat-8097	329	27	dependent	dependent	ADJ
easat-8097	329	28	variable	variable	NOUN
easat-8097	329	29	,	,	PUNCT
easat-8097	329	30	credit	credit	NOUN
easat-8097	329	31	card	card	NOUN
easat-8097	329	32	usage	usage	NOUN
easat-8097	329	33	decision	decision	NOUN
easat-8097	329	34	(	(	PUNCT
easat-8097	329	35	qd	qd	NOUN
easat-8097	329	36	)	)	PUNCT
easat-8097	329	37	.	.	PUNCT
easat-8097	330	1	specifically	specifically	ADV
easat-8097	330	2	:	:	PUNCT
easat-8097	330	3	attitude	attitude	NOUN
easat-8097	330	4	(	(	PUNCT
easat-8097	330	5	td	td	NOUN
easat-8097	330	6	)	)	PUNCT
easat-8097	330	7	exhibits	exhibit	VERB
easat-8097	330	8	a	a	DET
easat-8097	330	9	positive	positive	ADJ
easat-8097	330	10	influence	influence	NOUN
easat-8097	330	11	,	,	PUNCT
easat-8097	330	12	with	with	ADP
easat-8097	330	13	a	a	DET
easat-8097	330	14	one	one	NUM
easat-8097	330	15	-	-	PUNCT
easat-8097	330	16	unit	unit	NOUN
easat-8097	330	17	increase	increase	NOUN
easat-8097	330	18	in	in	ADP
easat-8097	330	19	attitude	attitude	NOUN
easat-8097	330	20	leading	lead	VERB
easat-8097	330	21	to	to	ADP
easat-8097	330	22	a	a	DET
easat-8097	330	23	0.117point	0.117point	ADJ
easat-8097	330	24	increase	increase	NOUN
easat-8097	330	25	in	in	ADP
easat-8097	330	26	the	the	DET
easat-8097	330	27	decision	decision	NOUN
easat-8097	330	28	to	to	PART
easat-8097	330	29	use	use	VERB
easat-8097	330	30	a	a	DET
easat-8097	330	31	credit	credit	NOUN
easat-8097	330	32	card	card	NOUN
easat-8097	330	33	.	.	PUNCT
easat-8097	331	1	subjective	subjective	ADJ
easat-8097	331	2	norms	norm	NOUN
easat-8097	331	3	(	(	PUNCT
easat-8097	331	4	ccq	ccq	NOUN
easat-8097	331	5	)	)	PUNCT
easat-8097	331	6	also	also	ADV
easat-8097	331	7	show	show	VERB
easat-8097	331	8	a	a	DET
easat-8097	331	9	positive	positive	ADJ
easat-8097	331	10	association	association	NOUN
easat-8097	331	11	,	,	PUNCT
easat-8097	331	12	where	where	SCONJ
easat-8097	331	13	a	a	DET
easat-8097	331	14	one	one	NUM
easat-8097	331	15	-	-	PUNCT
easat-8097	331	16	unit	unit	NOUN
easat-8097	331	17	increase	increase	NOUN
easat-8097	331	18	in	in	ADP
easat-8097	331	19	social	social	ADJ
easat-8097	331	20	influence	influence	NOUN
easat-8097	331	21	results	result	NOUN
easat-8097	331	22	in	in	ADP
easat-8097	331	23	a	a	DET
easat-8097	331	24	0.167	0.167	NUM
easat-8097	331	25	-	-	PUNCT
easat-8097	331	26	point	point	NOUN
easat-8097	331	27	increase	increase	NOUN
easat-8097	331	28	in	in	ADP
easat-8097	331	29	the	the	DET
easat-8097	331	30	usage	usage	NOUN
easat-8097	331	31	decision	decision	NOUN
easat-8097	331	32	.	.	PUNCT
easat-8097	332	1	perceived	perceive	VERB
easat-8097	332	2	behavioral	behavioral	ADJ
easat-8097	332	3	control	control	NOUN
easat-8097	332	4	(	(	PUNCT
easat-8097	332	5	nt	not	PART
easat-8097	332	6	)	)	PUNCT
easat-8097	332	7	has	have	VERB
easat-8097	332	8	the	the	DET
easat-8097	332	9	most	most	ADV
easat-8097	332	10	substantial	substantial	ADJ
easat-8097	332	11	effect	effect	NOUN
easat-8097	332	12	among	among	ADP
easat-8097	332	13	the	the	DET
easat-8097	332	14	tpb	tpb	NOUN
easat-8097	332	15	components	component	NOUN
easat-8097	332	16	,	,	PUNCT
easat-8097	332	17	with	with	ADP
easat-8097	332	18	a	a	DET
easat-8097	332	19	0.264	0.264	NUM
easat-8097	332	20	-	-	PUNCT
easat-8097	332	21	point	point	NOUN
easat-8097	332	22	increase	increase	NOUN
easat-8097	332	23	in	in	ADP
easat-8097	332	24	the	the	DET
easat-8097	332	25	credit	credit	NOUN
easat-8097	332	26	card	card	NOUN
easat-8097	332	27	usage	usage	NOUN
easat-8097	332	28	decision	decision	NOUN
easat-8097	332	29	for	for	ADP
easat-8097	332	30	each	each	DET
easat-8097	332	31	unit	unit	NOUN
easat-8097	332	32	increase	increase	VERB
easat-8097	332	33	in	in	ADP
easat-8097	332	34	perceived	perceive	VERB
easat-8097	332	35	control	control	NOUN
easat-8097	332	36	.	.	PUNCT
easat-8097	333	1	card	card	NOUN
easat-8097	333	2	usage	usage	NOUN
easat-8097	333	3	costs	cost	NOUN
easat-8097	333	4	(	(	PUNCT
easat-8097	333	5	cp	cp	NOUN
easat-8097	333	6	)	)	PUNCT
easat-8097	333	7	,	,	PUNCT
easat-8097	333	8	while	while	SCONJ
easat-8097	333	9	showing	show	VERB
easat-8097	333	10	a	a	DET
easat-8097	333	11	positive	positive	ADJ
easat-8097	333	12	effect	effect	NOUN
easat-8097	333	13	,	,	PUNCT
easat-8097	333	14	has	have	VERB
easat-8097	333	15	a	a	DET
easat-8097	333	16	moderate	moderate	ADJ
easat-8097	333	17	impact	impact	NOUN
easat-8097	333	18	,	,	PUNCT
easat-8097	333	19	with	with	ADP
easat-8097	333	20	a	a	DET
easat-8097	333	21	0.144	0.144	NUM
easat-8097	333	22	-	-	PUNCT
easat-8097	333	23	point	point	NOUN
easat-8097	333	24	increase	increase	NOUN
easat-8097	333	25	in	in	ADP
easat-8097	333	26	the	the	DET
easat-8097	333	27	decision	decision	NOUN
easat-8097	333	28	for	for	SCONJ
easat-8097	333	29	each	each	DET
easat-8097	333	30	unit	unit	NOUN
easat-8097	333	31	increase	increase	VERB
easat-8097	333	32	in	in	ADP
easat-8097	333	33	card	card	NOUN
easat-8097	333	34	costs	cost	NOUN
easat-8097	333	35	.	.	PUNCT
easat-8097	334	1	card	card	NOUN
easat-8097	334	2	usage	usage	NOUN
easat-8097	334	3	convenience	convenience	NOUN
easat-8097	334	4	(	(	PUNCT
easat-8097	334	5	ti	ti	NOUN
easat-8097	334	6	)	)	PUNCT
easat-8097	334	7	demonstrates	demonstrate	VERB
easat-8097	334	8	a	a	DET
easat-8097	334	9	strong	strong	ADJ
easat-8097	334	10	positive	positive	ADJ
easat-8097	334	11	effect	effect	NOUN
easat-8097	334	12	(	(	PUNCT
easat-8097	334	13	β	β	X
easat-8097	334	14	=	=	SYM
easat-8097	334	15	0.257	0.257	NUM
easat-8097	334	16	)	)	PUNCT
easat-8097	334	17	,	,	PUNCT
easat-8097	334	18	highlighting	highlight	VERB
easat-8097	334	19	the	the	DET
easat-8097	334	20	importance	importance	NOUN
easat-8097	334	21	of	of	ADP
easat-8097	334	22	user	user	NOUN
easat-8097	334	23	-	-	PUNCT
easat-8097	334	24	friendly	friendly	ADJ
easat-8097	334	25	credit	credit	NOUN
easat-8097	334	26	card	card	NOUN
easat-8097	334	27	processes	process	NOUN
easat-8097	334	28	.	.	PUNCT
easat-8097	335	1	responsiveness	responsiveness	NOUN
easat-8097	335	2	of	of	ADP
easat-8097	335	3	the	the	DET
easat-8097	335	4	banking	banking	NOUN
easat-8097	335	5	system	system	NOUN
easat-8097	335	6	(	(	PUNCT
easat-8097	335	7	du	du	NOUN
easat-8097	335	8	)	)	PUNCT
easat-8097	335	9	also	also	ADV
easat-8097	335	10	exhibits	exhibit	VERB
easat-8097	335	11	a	a	DET
easat-8097	335	12	strong	strong	ADJ
easat-8097	335	13	effect	effect	NOUN
easat-8097	335	14	(	(	PUNCT
easat-8097	335	15	β	β	X
easat-8097	335	16	=	=	SYM
easat-8097	335	17	0.205	0.205	NUM
easat-8097	335	18	)	)	PUNCT
easat-8097	335	19	,	,	PUNCT
easat-8097	335	20	indicating	indicate	VERB
easat-8097	335	21	that	that	SCONJ
easat-8097	335	22	consumers	consumer	NOUN
easat-8097	335	23	'	'	PART
easat-8097	335	24	perceptions	perception	NOUN
easat-8097	335	25	of	of	ADP
easat-8097	335	26	bank	bank	NOUN
easat-8097	335	27	responsiveness	responsiveness	NOUN
easat-8097	335	28	significantly	significantly	ADV
easat-8097	335	29	influence	influence	VERB
easat-8097	335	30	their	their	PRON
easat-8097	335	31	credit	credit	NOUN
easat-8097	335	32	card	card	NOUN
easat-8097	335	33	usage	usage	NOUN
easat-8097	335	34	decisions	decision	NOUN
easat-8097	335	35	.	.	PUNCT
easat-8097	336	1	all	all	DET
easat-8097	336	2	variables	variable	NOUN
easat-8097	336	3	yielded	yield	VERB
easat-8097	336	4	p	p	NOUN
easat-8097	336	5	-	-	PUNCT
easat-8097	336	6	values	value	NOUN
easat-8097	336	7	below	below	ADP
easat-8097	336	8	0.05	0.05	NUM
easat-8097	336	9	,	,	PUNCT
easat-8097	336	10	confirming	confirm	VERB
easat-8097	336	11	their	their	PRON
easat-8097	336	12	statistical	statistical	ADJ
easat-8097	336	13	significance	significance	NOUN
easat-8097	336	14	.	.	PUNCT
easat-8097	337	1	additionally	additionally	ADV
easat-8097	337	2	,	,	PUNCT
easat-8097	337	3	the	the	DET
easat-8097	337	4	variance	variance	NOUN
easat-8097	337	5	inflation	inflation	NOUN
easat-8097	337	6	factor	factor	NOUN
easat-8097	337	7	(	(	PUNCT
easat-8097	337	8	vif	vif	NOUN
easat-8097	337	9	)	)	PUNCT
easat-8097	337	10	values	value	NOUN
easat-8097	337	11	were	be	AUX
easat-8097	337	12	well	well	ADV
easat-8097	337	13	below	below	ADP
easat-8097	337	14	10	10	NUM
easat-8097	337	15	,	,	PUNCT
easat-8097	337	16	indicating	indicate	VERB
easat-8097	337	17	that	that	SCONJ
easat-8097	337	18	multicollinearity	multicollinearity	NOUN
easat-8097	337	19	is	be	AUX
easat-8097	337	20	not	not	PART
easat-8097	337	21	a	a	DET
easat-8097	337	22	concern	concern	NOUN
easat-8097	337	23	in	in	ADP
easat-8097	337	24	this	this	DET
easat-8097	337	25	model	model	NOUN
easat-8097	337	26	.	.	PUNCT
easat-8097	338	1	the	the	DET
easat-8097	338	2	regression	regression	NOUN
easat-8097	338	3	model	model	NOUN
easat-8097	338	4	explains	explain	VERB
easat-8097	338	5	approximately	approximately	ADV
easat-8097	338	6	58.6	58.6	NUM
easat-8097	338	7	%	%	NOUN
easat-8097	338	8	of	of	ADP
easat-8097	338	9	the	the	DET
easat-8097	338	10	variance	variance	NOUN
easat-8097	338	11	in	in	ADP
easat-8097	338	12	the	the	DET
easat-8097	338	13	credit	credit	NOUN
easat-8097	338	14	card	card	NOUN
easat-8097	338	15	usage	usage	NOUN
easat-8097	338	16	decision	decision	NOUN
easat-8097	338	17	(	(	PUNCT
easat-8097	338	18	r²	r²	NOUN
easat-8097	338	19	=	=	NOUN
easat-8097	338	20	0.586	0.586	NUM
easat-8097	338	21	)	)	PUNCT
easat-8097	338	22	,	,	PUNCT
easat-8097	338	23	supporting	support	VERB
easat-8097	338	24	its	its	PRON
easat-8097	338	25	robustness	robustness	NOUN
easat-8097	338	26	and	and	CCONJ
easat-8097	338	27	relevance	relevance	NOUN
easat-8097	338	28	in	in	ADP
easat-8097	338	29	explaining	explain	VERB
easat-8097	338	30	the	the	DET
easat-8097	338	31	factors	factor	NOUN
easat-8097	338	32	influencing	influence	VERB
easat-8097	338	33	credit	credit	NOUN
easat-8097	338	34	card	card	NOUN
easat-8097	338	35	adoption	adoption	NOUN
easat-8097	338	36	.	.	PUNCT
easat-8097	339	1	4.5	4.5	NUM
easat-8097	339	2	.	.	PUNCT
easat-8097	339	3	testing	test	VERB
easat-8097	339	4	research	research	NOUN
easat-8097	339	5	hypotheses	hypothesis	NOUN
easat-8097	339	6	table	table	VERB
easat-8097	339	7	13	13	NUM
easat-8097	339	8	.	.	PUNCT
easat-8097	340	1	summary	summary	NOUN
easat-8097	340	2	of	of	ADP
easat-8097	340	3	research	research	NOUN
easat-8097	340	4	hypothesis	hypothesis	NOUN
easat-8097	340	5	testing	testing	NOUN
easat-8097	340	6	.	.	PUNCT
easat-8097	341	1	hypothesis	hypothesis	NOUN
easat-8097	341	2	standardized	standardize	VERB
easat-8097	341	3	coefficients	coefficient	NOUN
easat-8097	341	4	sig	sig	NOUN
easat-8097	341	5	value	value	NOUN
easat-8097	341	6	test	test	NOUN
easat-8097	341	7	results	result	VERB
easat-8097	341	8	hypothesis	hypothesis	NOUN
easat-8097	341	9	h1	h1	PROPN
easat-8097	341	10	:	:	PUNCT
easat-8097	341	11	attitude	attitude	NOUN
easat-8097	341	12	positively	positively	ADV
easat-8097	341	13	affects	affect	VERB
easat-8097	341	14	credit	credit	NOUN
easat-8097	341	15	card	card	NOUN
easat-8097	341	16	usage	usage	NOUN
easat-8097	341	17	decision	decision	NOUN
easat-8097	341	18	0.117	0.117	NUM
easat-8097	341	19	0.003	0.003	NUM
easat-8097	341	20	accept	accept	VERB
easat-8097	341	21	hypothesis	hypothesis	NOUN
easat-8097	341	22	h2	h2	NOUN
easat-8097	341	23	:	:	PUNCT
easat-8097	341	24	subjective	subjective	ADJ
easat-8097	341	25	norm	norm	NOUN
easat-8097	341	26	positively	positively	ADV
easat-8097	341	27	affects	affect	VERB
easat-8097	341	28	credit	credit	NOUN
easat-8097	341	29	card	card	NOUN
easat-8097	341	30	usage	usage	NOUN
easat-8097	341	31	decision	decision	NOUN
easat-8097	341	32	0.167	0.167	NUM
easat-8097	341	33	0.000	0.000	NUM
easat-8097	341	34	accept	accept	VERB
easat-8097	341	35	hypothesis	hypothesis	NOUN
easat-8097	341	36	h3	h3	NOUN
easat-8097	341	37	:	:	PUNCT
easat-8097	341	38	perceived	perceive	VERB
easat-8097	341	39	behavioral	behavioral	ADJ
easat-8097	341	40	control	control	NOUN
easat-8097	341	41	positively	positively	ADV
easat-8097	341	42	affects	affect	VERB
easat-8097	341	43	credit	credit	NOUN
easat-8097	341	44	card	card	NOUN
easat-8097	341	45	usage	usage	NOUN
easat-8097	341	46	decision	decision	NOUN
easat-8097	341	47	0.264	0.264	NOUN
easat-8097	341	48	0.000	0.000	NUM
easat-8097	341	49	accept	accept	VERB
easat-8097	341	50	hypothesis	hypothesis	NOUN
easat-8097	341	51	h4	h4	NOUN
easat-8097	341	52	:	:	PUNCT
easat-8097	341	53	card	card	NOUN
easat-8097	341	54	usage	usage	NOUN
easat-8097	341	55	costs	cost	NOUN
easat-8097	341	56	positively	positively	ADV
easat-8097	341	57	affects	affect	VERB
easat-8097	341	58	credit	credit	NOUN
easat-8097	341	59	card	card	NOUN
easat-8097	341	60	usage	usage	NOUN
easat-8097	341	61	decision	decision	NOUN
easat-8097	341	62	0.144	0.144	NUM
easat-8097	341	63	0.001	0.001	NUM
easat-8097	341	64	accept	accept	VERB
easat-8097	341	65	hypothesis	hypothesis	NOUN
easat-8097	341	66	h5	h5	NOUN
easat-8097	341	67	:	:	PUNCT
easat-8097	341	68	card	card	NOUN
easat-8097	341	69	usage	usage	NOUN
easat-8097	341	70	convenience	convenience	NOUN
easat-8097	341	71	positively	positively	ADV
easat-8097	341	72	affects	affect	VERB
easat-8097	341	73	credit	credit	NOUN
easat-8097	341	74	card	card	NOUN
easat-8097	341	75	usage	usage	NOUN
easat-8097	341	76	decision	decision	NOUN
easat-8097	341	77	0.257	0.257	NUM
easat-8097	341	78	0.000	0.000	NUM
easat-8097	341	79	accept	accept	VERB
easat-8097	341	80	hypothesis	hypothesis	NOUN
easat-8097	341	81	h6	h6	PROPN
easat-8097	341	82	:	:	PUNCT
easat-8097	341	83	responsiveness	responsiveness	NOUN
easat-8097	341	84	of	of	ADP
easat-8097	341	85	the	the	DET
easat-8097	341	86	banking	banking	NOUN
easat-8097	341	87	system	system	NOUN
easat-8097	341	88	positively	positively	ADV
easat-8097	341	89	affects	affect	VERB
easat-8097	341	90	credit	credit	NOUN
easat-8097	341	91	card	card	NOUN
easat-8097	341	92	usage	usage	NOUN
easat-8097	341	93	decision	decision	NOUN
easat-8097	341	94	.	.	PUNCT
easat-8097	342	1	0.205	0.205	NUM
easat-8097	342	2	0.000	0.000	NUM
easat-8097	342	3	accept	accept	VERB
easat-8097	342	4	1229	1229	NUM
easat-8097	342	5	edelweiss	edelweiss	PROPN
easat-8097	342	6	applied	apply	VERB
easat-8097	342	7	science	science	NOUN
easat-8097	342	8	and	and	CCONJ
easat-8097	342	9	technology	technology	NOUN
easat-8097	342	10	issn	issn	PROPN
easat-8097	342	11	:	:	PUNCT
easat-8097	342	12	2576	2576	NUM
easat-8097	342	13	-	-	SYM
easat-8097	342	14	8484	8484	NUM
easat-8097	342	15	vol	vol	NOUN
easat-8097	342	16	.	.	PROPN
easat-8097	343	1	9	9	NUM
easat-8097	343	2	,	,	PUNCT
easat-8097	343	3	no	no	INTJ
easat-8097	343	4	.	.	NOUN
easat-8097	343	5	6	6	NUM
easat-8097	343	6	:	:	SYM
easat-8097	343	7	1215	1215	NUM
easat-8097	343	8	-	-	SYM
easat-8097	343	9	1232	1232	NUM
easat-8097	343	10	,	,	PUNCT
easat-8097	343	11	2025	2025	NUM
easat-8097	343	12	doi	doi	NOUN
easat-8097	343	13	:	:	PUNCT
easat-8097	343	14	10.55214/25768484.v9i6.8097	10.55214/25768484.v9i6.8097	NUM
easat-8097	343	15	©	©	PROPN
easat-8097	343	16	2025	2025	NUM
easat-8097	343	17	by	by	ADP
easat-8097	343	18	the	the	DET
easat-8097	343	19	authors	author	NOUN
easat-8097	343	20	;	;	PUNCT
easat-8097	343	21	licensee	licensee	PROPN
easat-8097	343	22	learning	learning	NOUN
easat-8097	343	23	gate	gate	NOUN
easat-8097	343	24	based	base	VERB
easat-8097	343	25	on	on	ADP
easat-8097	343	26	the	the	DET
easat-8097	343	27	regression	regression	NOUN
easat-8097	343	28	analysis	analysis	NOUN
easat-8097	343	29	results	result	NOUN
easat-8097	343	30	,	,	PUNCT
easat-8097	343	31	all	all	DET
easat-8097	343	32	six	six	NUM
easat-8097	343	33	proposed	propose	VERB
easat-8097	343	34	hypotheses	hypothesis	NOUN
easat-8097	343	35	are	be	AUX
easat-8097	343	36	supported	support	VERB
easat-8097	343	37	by	by	ADP
easat-8097	343	38	statistically	statistically	ADV
easat-8097	343	39	significant	significant	ADJ
easat-8097	343	40	evidence	evidence	NOUN
easat-8097	343	41	:	:	PUNCT
easat-8097	343	42	h1	h1	NOUN
easat-8097	343	43	(	(	PUNCT
easat-8097	343	44	attitude	attitude	NOUN
easat-8097	343	45	→	→	SYM
easat-8097	343	46	credit	credit	NOUN
easat-8097	343	47	card	card	NOUN
easat-8097	343	48	usage	usage	NOUN
easat-8097	343	49	decision	decision	NOUN
easat-8097	343	50	)	)	PUNCT
easat-8097	343	51	is	be	AUX
easat-8097	343	52	supported	support	VERB
easat-8097	343	53	with	with	ADP
easat-8097	343	54	a	a	DET
easat-8097	343	55	standardized	standardized	ADJ
easat-8097	343	56	coefficient	coefficient	NOUN
easat-8097	343	57	of	of	ADP
easat-8097	343	58	0.117	0.117	NUM
easat-8097	343	59	and	and	CCONJ
easat-8097	343	60	p	p	NOUN
easat-8097	343	61	=	=	NOUN
easat-8097	343	62	0.003	0.003	NUM
easat-8097	343	63	,	,	PUNCT
easat-8097	343	64	indicating	indicate	VERB
easat-8097	343	65	a	a	DET
easat-8097	343	66	positive	positive	ADJ
easat-8097	343	67	relationship	relationship	NOUN
easat-8097	343	68	between	between	ADP
easat-8097	343	69	attitude	attitude	NOUN
easat-8097	343	70	and	and	CCONJ
easat-8097	343	71	credit	credit	NOUN
easat-8097	343	72	card	card	NOUN
easat-8097	343	73	adoption	adoption	NOUN
easat-8097	343	74	.	.	PUNCT
easat-8097	344	1	h2	h2	NOUN
easat-8097	344	2	(	(	PUNCT
easat-8097	344	3	subjective	subjective	ADJ
easat-8097	344	4	norms	norm	NOUN
easat-8097	344	5	→	→	PUNCT
easat-8097	344	6	credit	credit	NOUN
easat-8097	344	7	card	card	NOUN
easat-8097	344	8	usage	usage	NOUN
easat-8097	344	9	decision	decision	NOUN
easat-8097	344	10	)	)	PUNCT
easat-8097	344	11	is	be	AUX
easat-8097	344	12	confirmed	confirm	VERB
easat-8097	344	13	with	with	ADP
easat-8097	344	14	a	a	DET
easat-8097	344	15	coefficient	coefficient	NOUN
easat-8097	344	16	of	of	ADP
easat-8097	344	17	0.167	0.167	NUM
easat-8097	344	18	and	and	CCONJ
easat-8097	344	19	p	p	NOUN
easat-8097	344	20	=	=	NOUN
easat-8097	344	21	0.000	0.000	NUM
easat-8097	344	22	,	,	PUNCT
easat-8097	344	23	highlighting	highlight	VERB
easat-8097	344	24	the	the	DET
easat-8097	344	25	significant	significant	ADJ
easat-8097	344	26	influence	influence	NOUN
easat-8097	344	27	of	of	ADP
easat-8097	344	28	social	social	ADJ
easat-8097	344	29	norms	norm	NOUN
easat-8097	344	30	and	and	CCONJ
easat-8097	344	31	peer	peer	NOUN
easat-8097	344	32	influence	influence	NOUN
easat-8097	344	33	on	on	ADP
easat-8097	344	34	usage	usage	NOUN
easat-8097	344	35	decisions	decision	NOUN
easat-8097	344	36	.	.	PUNCT
easat-8097	345	1	h3	h3	NOUN
easat-8097	345	2	(	(	PUNCT
easat-8097	345	3	perceived	perceive	VERB
easat-8097	345	4	behavioral	behavioral	ADJ
easat-8097	345	5	control	control	NOUN
easat-8097	345	6	→	→	SYM
easat-8097	345	7	credit	credit	NOUN
easat-8097	345	8	card	card	NOUN
easat-8097	345	9	usage	usage	NOUN
easat-8097	345	10	decision	decision	NOUN
easat-8097	345	11	)	)	PUNCT
easat-8097	345	12	shows	show	VERB
easat-8097	345	13	the	the	DET
easat-8097	345	14	strongest	strong	ADJ
easat-8097	345	15	empirical	empirical	ADJ
easat-8097	345	16	support	support	NOUN
easat-8097	345	17	with	with	ADP
easat-8097	345	18	β	β	X
easat-8097	345	19	=	=	SYM
easat-8097	345	20	0.264	0.264	NUM
easat-8097	345	21	and	and	CCONJ
easat-8097	345	22	p	p	X
easat-8097	345	23	=	=	NOUN
easat-8097	345	24	0.000	0.000	NUM
easat-8097	345	25	,	,	PUNCT
easat-8097	345	26	confirming	confirm	VERB
easat-8097	345	27	that	that	SCONJ
easat-8097	345	28	individuals	individual	NOUN
easat-8097	345	29	'	'	PART
easat-8097	345	30	confidence	confidence	NOUN
easat-8097	345	31	in	in	ADP
easat-8097	345	32	managing	manage	VERB
easat-8097	345	33	credit	credit	NOUN
easat-8097	345	34	card	card	NOUN
easat-8097	345	35	behavior	behavior	NOUN
easat-8097	345	36	is	be	AUX
easat-8097	345	37	a	a	DET
easat-8097	345	38	crucial	crucial	ADJ
easat-8097	345	39	predictor	predictor	NOUN
easat-8097	345	40	.	.	PUNCT
easat-8097	346	1	h4	h4	NOUN
easat-8097	346	2	(	(	PUNCT
easat-8097	346	3	card	card	NOUN
easat-8097	346	4	usage	usage	NOUN
easat-8097	346	5	costs	cost	NOUN
easat-8097	346	6	→	→	PUNCT
easat-8097	346	7	credit	credit	NOUN
easat-8097	346	8	card	card	NOUN
easat-8097	346	9	usage	usage	NOUN
easat-8097	346	10	decision	decision	NOUN
easat-8097	346	11	)	)	PUNCT
easat-8097	346	12	is	be	AUX
easat-8097	346	13	supported	support	VERB
easat-8097	346	14	by	by	ADP
easat-8097	346	15	a	a	DET
easat-8097	346	16	coefficient	coefficient	NOUN
easat-8097	346	17	of	of	ADP
easat-8097	346	18	0.144	0.144	NUM
easat-8097	346	19	and	and	CCONJ
easat-8097	346	20	p	p	NOUN
easat-8097	346	21	=	=	NOUN
easat-8097	346	22	0.001	0.001	NUM
easat-8097	346	23	,	,	PUNCT
easat-8097	346	24	indicating	indicate	VERB
easat-8097	346	25	that	that	SCONJ
easat-8097	346	26	the	the	DET
easat-8097	346	27	cost	cost	NOUN
easat-8097	346	28	of	of	ADP
easat-8097	346	29	card	card	NOUN
easat-8097	346	30	usage	usage	NOUN
easat-8097	346	31	has	have	VERB
easat-8097	346	32	a	a	DET
easat-8097	346	33	significant	significant	ADJ
easat-8097	346	34	,	,	PUNCT
easat-8097	346	35	yet	yet	ADV
easat-8097	346	36	moderate	moderate	ADJ
easat-8097	346	37	,	,	PUNCT
easat-8097	346	38	impact	impact	NOUN
easat-8097	346	39	on	on	ADP
easat-8097	346	40	decision	decision	NOUN
easat-8097	346	41	-	-	PUNCT
easat-8097	346	42	making	making	NOUN
easat-8097	346	43	.	.	PUNCT
easat-8097	347	1	h5	h5	PROPN
easat-8097	347	2	(	(	PUNCT
easat-8097	347	3	card	card	NOUN
easat-8097	347	4	usage	usage	NOUN
easat-8097	347	5	convenience	convenience	NOUN
easat-8097	347	6	→	→	SYM
easat-8097	347	7	credit	credit	NOUN
easat-8097	347	8	card	card	NOUN
easat-8097	347	9	usage	usage	NOUN
easat-8097	347	10	decision	decision	NOUN
easat-8097	347	11	)	)	PUNCT
easat-8097	347	12	is	be	AUX
easat-8097	347	13	strongly	strongly	ADV
easat-8097	347	14	validated	validate	VERB
easat-8097	347	15	with	with	ADP
easat-8097	347	16	β	β	X
easat-8097	347	17	=	=	SYM
easat-8097	347	18	0.257	0.257	NUM
easat-8097	347	19	and	and	CCONJ
easat-8097	347	20	p	p	X
easat-8097	347	21	=	=	NOUN
easat-8097	347	22	0.000	0.000	NUM
easat-8097	347	23	,	,	PUNCT
easat-8097	347	24	emphasizing	emphasize	VERB
easat-8097	347	25	the	the	DET
easat-8097	347	26	importance	importance	NOUN
easat-8097	347	27	of	of	ADP
easat-8097	347	28	ease	ease	NOUN
easat-8097	347	29	of	of	ADP
easat-8097	347	30	use	use	NOUN
easat-8097	347	31	and	and	CCONJ
easat-8097	347	32	convenience	convenience	NOUN
easat-8097	347	33	in	in	ADP
easat-8097	347	34	driving	drive	VERB
easat-8097	347	35	credit	credit	NOUN
easat-8097	347	36	card	card	NOUN
easat-8097	347	37	adoption	adoption	NOUN
easat-8097	347	38	.	.	PUNCT
easat-8097	348	1	h6	h6	PROPN
easat-8097	348	2	(	(	PUNCT
easat-8097	348	3	banking	banking	NOUN
easat-8097	348	4	system	system	NOUN
easat-8097	348	5	responsiveness	responsiveness	NOUN
easat-8097	348	6	→	→	SYM
easat-8097	348	7	credit	credit	NOUN
easat-8097	348	8	card	card	NOUN
easat-8097	348	9	usage	usage	NOUN
easat-8097	348	10	decision	decision	NOUN
easat-8097	348	11	)	)	PUNCT
easat-8097	348	12	is	be	AUX
easat-8097	348	13	confirmed	confirm	VERB
easat-8097	348	14	with	with	ADP
easat-8097	348	15	β	β	X
easat-8097	348	16	=	=	SYM
easat-8097	348	17	0.205	0.205	NUM
easat-8097	348	18	and	and	CCONJ
easat-8097	348	19	p	p	X
easat-8097	348	20	=	=	NOUN
easat-8097	348	21	0.000	0.000	NUM
easat-8097	348	22	,	,	PUNCT
easat-8097	348	23	underscoring	underscore	VERB
easat-8097	348	24	the	the	DET
easat-8097	348	25	role	role	NOUN
easat-8097	348	26	of	of	ADP
easat-8097	348	27	efficient	efficient	ADJ
easat-8097	348	28	banking	banking	NOUN
easat-8097	348	29	services	service	NOUN
easat-8097	348	30	in	in	ADP
easat-8097	348	31	influencing	influence	VERB
easat-8097	348	32	customer	customer	NOUN
easat-8097	348	33	decisions	decision	NOUN
easat-8097	348	34	.	.	PUNCT
easat-8097	349	1	these	these	DET
easat-8097	349	2	results	result	NOUN
easat-8097	349	3	confirm	confirm	VERB
easat-8097	349	4	the	the	DET
easat-8097	349	5	robustness	robustness	NOUN
easat-8097	349	6	of	of	ADP
easat-8097	349	7	the	the	DET
easat-8097	349	8	theoretical	theoretical	ADJ
easat-8097	349	9	model	model	NOUN
easat-8097	349	10	,	,	PUNCT
easat-8097	349	11	offering	offer	VERB
easat-8097	349	12	actionable	actionable	ADJ
easat-8097	349	13	insights	insight	NOUN
easat-8097	349	14	for	for	ADP
easat-8097	349	15	enhancing	enhance	VERB
easat-8097	349	16	credit	credit	NOUN
easat-8097	349	17	card	card	NOUN
easat-8097	349	18	services	service	NOUN
easat-8097	349	19	at	at	ADP
easat-8097	349	20	vietnamese	vietnamese	ADJ
easat-8097	349	21	commercial	commercial	ADJ
easat-8097	349	22	banks	bank	NOUN
easat-8097	349	23	.	.	PUNCT
easat-8097	350	1	the	the	DET
easat-8097	350	2	empirical	empirical	ADJ
easat-8097	350	3	findings	finding	NOUN
easat-8097	350	4	are	be	AUX
easat-8097	350	5	consistent	consistent	ADJ
easat-8097	350	6	with	with	ADP
easat-8097	350	7	previous	previous	ADJ
easat-8097	350	8	studies	study	NOUN
easat-8097	350	9	:	:	PUNCT
easat-8097	350	10	attitude	attitude	NOUN
easat-8097	350	11	and	and	CCONJ
easat-8097	350	12	its	its	PRON
easat-8097	350	13	positive	positive	ADJ
easat-8097	350	14	effect	effect	NOUN
easat-8097	350	15	on	on	ADP
easat-8097	350	16	credit	credit	NOUN
easat-8097	350	17	card	card	NOUN
easat-8097	350	18	usage	usage	NOUN
easat-8097	350	19	align	align	NOUN
easat-8097	350	20	with	with	ADP
easat-8097	350	21	research	research	NOUN
easat-8097	350	22	by	by	ADP
easat-8097	350	23	tran	tran	PROPN
easat-8097	350	24	and	and	CCONJ
easat-8097	350	25	trinh	trinh	PROPN
easat-8097	351	1	[	[	X
easat-8097	351	2	13	13	NUM
easat-8097	351	3	]	]	PUNCT
easat-8097	351	4	and	and	CCONJ
easat-8097	351	5	ajzen	ajzen	NOUN
easat-8097	351	6	[	[	X
easat-8097	351	7	18	18	NUM
easat-8097	351	8	]	]	PUNCT
easat-8097	351	9	emphasizing	emphasize	VERB
easat-8097	351	10	the	the	DET
easat-8097	351	11	motivational	motivational	ADJ
easat-8097	351	12	role	role	NOUN
easat-8097	351	13	of	of	ADP
easat-8097	351	14	favorable	favorable	ADJ
easat-8097	351	15	perceptions	perception	NOUN
easat-8097	351	16	.	.	PUNCT
easat-8097	352	1	the	the	DET
easat-8097	352	2	influence	influence	NOUN
easat-8097	352	3	of	of	ADP
easat-8097	352	4	subjective	subjective	ADJ
easat-8097	352	5	norms	norm	NOUN
easat-8097	352	6	is	be	AUX
easat-8097	352	7	consistent	consistent	ADJ
easat-8097	352	8	with	with	ADP
easat-8097	352	9	trinh	trinh	PROPN
easat-8097	352	10	and	and	CCONJ
easat-8097	352	11	tran	tran	PROPN
easat-8097	353	1	[	[	X
easat-8097	353	2	6	6	NUM
easat-8097	353	3	]	]	PUNCT
easat-8097	353	4	demonstrating	demonstrate	VERB
easat-8097	353	5	the	the	DET
easat-8097	353	6	role	role	NOUN
easat-8097	353	7	of	of	ADP
easat-8097	353	8	social	social	ADJ
easat-8097	353	9	approval	approval	NOUN
easat-8097	353	10	in	in	ADP
easat-8097	353	11	driving	drive	VERB
easat-8097	353	12	adoption	adoption	NOUN
easat-8097	353	13	.	.	PUNCT
easat-8097	354	1	the	the	DET
easat-8097	354	2	significant	significant	ADJ
easat-8097	354	3	impact	impact	NOUN
easat-8097	354	4	of	of	ADP
easat-8097	354	5	perceived	perceive	VERB
easat-8097	354	6	behavioral	behavioral	ADJ
easat-8097	354	7	control	control	NOUN
easat-8097	354	8	corroborates	corroborate	VERB
easat-8097	354	9	findings	finding	NOUN
easat-8097	354	10	by	by	ADP
easat-8097	354	11	tran	tran	PROPN
easat-8097	354	12	and	and	CCONJ
easat-8097	354	13	trinh	trinh	PROPN
easat-8097	355	1	[	[	X
easat-8097	355	2	13	13	NUM
easat-8097	355	3	]	]	PUNCT
easat-8097	355	4	highlighting	highlight	VERB
easat-8097	355	5	the	the	DET
easat-8097	355	6	importance	importance	NOUN
easat-8097	355	7	of	of	ADP
easat-8097	355	8	confidence	confidence	NOUN
easat-8097	355	9	in	in	ADP
easat-8097	355	10	financial	financial	ADJ
easat-8097	355	11	management	management	NOUN
easat-8097	355	12	.	.	PUNCT
easat-8097	356	1	perceived	perceive	VERB
easat-8097	356	2	costs	cost	NOUN
easat-8097	356	3	as	as	ADP
easat-8097	356	4	a	a	DET
easat-8097	356	5	deterrent	deterrent	NOUN
easat-8097	356	6	to	to	ADP
easat-8097	356	7	adoption	adoption	NOUN
easat-8097	356	8	are	be	AUX
easat-8097	356	9	in	in	ADP
easat-8097	356	10	line	line	NOUN
easat-8097	356	11	with	with	ADP
easat-8097	356	12	the	the	DET
easat-8097	356	13	studies	study	NOUN
easat-8097	356	14	of	of	ADP
easat-8097	356	15	tran	tran	PROPN
easat-8097	356	16	and	and	CCONJ
easat-8097	356	17	trinh	trinh	PROPN
easat-8097	357	1	[	[	X
easat-8097	357	2	13	13	NUM
easat-8097	357	3	]	]	PUNCT
easat-8097	357	4	emphasizing	emphasize	VERB
easat-8097	357	5	the	the	DET
easat-8097	357	6	deterrent	deterrent	NOUN
easat-8097	357	7	effect	effect	NOUN
easat-8097	357	8	of	of	ADP
easat-8097	357	9	fees	fee	NOUN
easat-8097	357	10	and	and	CCONJ
easat-8097	357	11	debt	debt	NOUN
easat-8097	357	12	concerns	concern	NOUN
easat-8097	357	13	.	.	PUNCT
easat-8097	358	1	card	card	NOUN
easat-8097	358	2	usage	usage	NOUN
easat-8097	358	3	convenience	convenience	NOUN
easat-8097	358	4	and	and	CCONJ
easat-8097	358	5	system	system	NOUN
easat-8097	358	6	responsiveness	responsiveness	NOUN
easat-8097	358	7	align	align	VERB
easat-8097	358	8	with	with	ADP
easat-8097	358	9	bui	bui	NOUN
easat-8097	358	10	,	,	PUNCT
easat-8097	358	11	et	et	PROPN
easat-8097	358	12	al	al	PROPN
easat-8097	358	13	.	.	PUNCT
easat-8097	359	1	[	[	X
easat-8097	359	2	9	9	NUM
easat-8097	359	3	]	]	PUNCT
easat-8097	359	4	and	and	CCONJ
easat-8097	359	5	trinh	trinh	PROPN
easat-8097	359	6	,	,	PUNCT
easat-8097	359	7	et	et	PROPN
easat-8097	359	8	al	al	PROPN
easat-8097	359	9	.	.	PUNCT
easat-8097	360	1	[	[	X
easat-8097	360	2	29	29	NUM
easat-8097	360	3	]	]	PUNCT
easat-8097	360	4	underlining	underline	VERB
easat-8097	360	5	the	the	DET
easat-8097	360	6	importance	importance	NOUN
easat-8097	360	7	of	of	ADP
easat-8097	360	8	usability	usability	NOUN
easat-8097	360	9	and	and	CCONJ
easat-8097	360	10	customer	customer	NOUN
easat-8097	360	11	service	service	NOUN
easat-8097	360	12	in	in	ADP
easat-8097	360	13	fostering	foster	VERB
easat-8097	360	14	satisfaction	satisfaction	NOUN
easat-8097	360	15	and	and	CCONJ
easat-8097	360	16	loyalty	loyalty	NOUN
easat-8097	360	17	.	.	PUNCT
easat-8097	361	1	5	5	X
easat-8097	361	2	.	.	X
easat-8097	361	3	conclusion	conclusion	NOUN
easat-8097	361	4	and	and	CCONJ
easat-8097	361	5	implications	implication	NOUN
easat-8097	361	6	this	this	DET
easat-8097	361	7	study	study	NOUN
easat-8097	361	8	examined	examine	VERB
easat-8097	361	9	the	the	DET
easat-8097	361	10	determinants	determinant	NOUN
easat-8097	361	11	influencing	influence	VERB
easat-8097	361	12	individual	individual	ADJ
easat-8097	361	13	credit	credit	NOUN
easat-8097	361	14	card	card	NOUN
easat-8097	361	15	usage	usage	NOUN
easat-8097	361	16	decisions	decision	NOUN
easat-8097	361	17	at	at	ADP
easat-8097	361	18	vietnamese	vietnamese	ADJ
easat-8097	361	19	commercial	commercial	ADJ
easat-8097	361	20	banks	bank	NOUN
easat-8097	361	21	through	through	ADP
easat-8097	361	22	an	an	DET
easat-8097	361	23	extended	extended	ADJ
easat-8097	361	24	tpb	tpb	NOUN
easat-8097	361	25	framework	framework	NOUN
easat-8097	361	26	.	.	PUNCT
easat-8097	362	1	utilizing	utilize	VERB
easat-8097	362	2	data	datum	NOUN
easat-8097	362	3	from	from	ADP
easat-8097	362	4	332	332	NUM
easat-8097	362	5	respondents	respondent	NOUN
easat-8097	362	6	,	,	PUNCT
easat-8097	362	7	the	the	DET
easat-8097	362	8	empirical	empirical	ADJ
easat-8097	362	9	findings	finding	NOUN
easat-8097	362	10	confirm	confirm	VERB
easat-8097	362	11	that	that	SCONJ
easat-8097	362	12	all	all	DET
easat-8097	362	13	six	six	NUM
easat-8097	362	14	hypothesized	hypothesized	ADJ
easat-8097	362	15	factors	factor	NOUN
easat-8097	362	16	—	—	PUNCT
easat-8097	362	17	attitude	attitude	NOUN
easat-8097	362	18	,	,	PUNCT
easat-8097	362	19	subjective	subjective	ADJ
easat-8097	362	20	norms	norm	NOUN
easat-8097	362	21	,	,	PUNCT
easat-8097	362	22	perceived	perceive	VERB
easat-8097	362	23	behavioral	behavioral	ADJ
easat-8097	362	24	control	control	NOUN
easat-8097	362	25	,	,	PUNCT
easat-8097	362	26	card	card	NOUN
easat-8097	362	27	usage	usage	NOUN
easat-8097	362	28	costs	cost	NOUN
easat-8097	362	29	,	,	PUNCT
easat-8097	362	30	card	card	NOUN
easat-8097	362	31	usage	usage	NOUN
easat-8097	362	32	convenience	convenience	NOUN
easat-8097	362	33	,	,	PUNCT
easat-8097	362	34	and	and	CCONJ
easat-8097	362	35	banking	banking	NOUN
easat-8097	362	36	system	system	NOUN
easat-8097	362	37	responsiveness	responsiveness	NOUN
easat-8097	362	38	—	—	PUNCT
easat-8097	362	39	exert	exert	VERB
easat-8097	362	40	a	a	DET
easat-8097	362	41	positive	positive	ADJ
easat-8097	362	42	and	and	CCONJ
easat-8097	362	43	statistically	statistically	ADV
easat-8097	362	44	significant	significant	ADJ
easat-8097	362	45	influence	influence	NOUN
easat-8097	362	46	on	on	ADP
easat-8097	362	47	credit	credit	NOUN
easat-8097	362	48	card	card	NOUN
easat-8097	362	49	usage	usage	NOUN
easat-8097	362	50	intentions	intention	NOUN
easat-8097	362	51	.	.	PUNCT
easat-8097	363	1	among	among	ADP
easat-8097	363	2	these	these	PRON
easat-8097	363	3	,	,	PUNCT
easat-8097	363	4	perceived	perceive	VERB
easat-8097	363	5	behavioral	behavioral	ADJ
easat-8097	363	6	control	control	NOUN
easat-8097	363	7	emerged	emerge	VERB
easat-8097	363	8	as	as	ADP
easat-8097	363	9	the	the	DET
easat-8097	363	10	most	most	ADV
easat-8097	363	11	influential	influential	ADJ
easat-8097	363	12	predictor	predictor	NOUN
easat-8097	363	13	,	,	PUNCT
easat-8097	363	14	highlighting	highlight	VERB
easat-8097	363	15	the	the	DET
easat-8097	363	16	critical	critical	ADJ
easat-8097	363	17	role	role	NOUN
easat-8097	363	18	of	of	ADP
easat-8097	363	19	consumers	consumer	NOUN
easat-8097	363	20	’	’	PART
easat-8097	363	21	self	self	NOUN
easat-8097	363	22	-	-	PUNCT
easat-8097	363	23	efficacy	efficacy	NOUN
easat-8097	363	24	in	in	ADP
easat-8097	363	25	managing	manage	VERB
easat-8097	363	26	credit	credit	NOUN
easat-8097	363	27	-	-	PUNCT
easat-8097	363	28	related	relate	VERB
easat-8097	363	29	behaviors	behavior	NOUN
easat-8097	363	30	.	.	PUNCT
easat-8097	364	1	additionally	additionally	ADV
easat-8097	364	2	,	,	PUNCT
easat-8097	364	3	the	the	DET
easat-8097	364	4	convenience	convenience	NOUN
easat-8097	364	5	associated	associate	VERB
easat-8097	364	6	with	with	ADP
easat-8097	364	7	card	card	NOUN
easat-8097	364	8	usage	usage	NOUN
easat-8097	364	9	and	and	CCONJ
easat-8097	364	10	the	the	DET
easat-8097	364	11	responsiveness	responsiveness	NOUN
easat-8097	364	12	of	of	ADP
easat-8097	364	13	banking	banking	NOUN
easat-8097	364	14	services	service	NOUN
easat-8097	364	15	were	be	AUX
easat-8097	364	16	notable	notable	ADJ
easat-8097	364	17	drivers	driver	NOUN
easat-8097	364	18	,	,	PUNCT
easat-8097	364	19	emphasizing	emphasize	VERB
easat-8097	364	20	the	the	DET
easat-8097	364	21	importance	importance	NOUN
easat-8097	364	22	of	of	ADP
easat-8097	364	23	accessible	accessible	ADJ
easat-8097	364	24	services	service	NOUN
easat-8097	364	25	and	and	CCONJ
easat-8097	364	26	efficient	efficient	ADJ
easat-8097	364	27	institutional	institutional	ADJ
easat-8097	364	28	support	support	NOUN
easat-8097	364	29	.	.	PUNCT
easat-8097	365	1	while	while	SCONJ
easat-8097	365	2	attitude	attitude	NOUN
easat-8097	365	3	,	,	PUNCT
easat-8097	365	4	subjective	subjective	ADJ
easat-8097	365	5	norms	norm	NOUN
easat-8097	365	6	,	,	PUNCT
easat-8097	365	7	and	and	CCONJ
easat-8097	365	8	cost	cost	NOUN
easat-8097	365	9	perception	perception	NOUN
easat-8097	365	10	were	be	AUX
easat-8097	365	11	slightly	slightly	ADV
easat-8097	365	12	less	less	ADV
easat-8097	365	13	dominant	dominant	ADJ
easat-8097	365	14	,	,	PUNCT
easat-8097	365	15	their	their	PRON
easat-8097	365	16	effects	effect	NOUN
easat-8097	365	17	remain	remain	VERB
easat-8097	365	18	meaningful	meaningful	ADJ
easat-8097	365	19	and	and	CCONJ
easat-8097	365	20	reinforce	reinforce	VERB
easat-8097	365	21	the	the	DET
easat-8097	365	22	multidimensional	multidimensional	ADJ
easat-8097	365	23	nature	nature	NOUN
easat-8097	365	24	of	of	ADP
easat-8097	365	25	consumer	consumer	NOUN
easat-8097	365	26	decision	decision	NOUN
easat-8097	365	27	-	-	PUNCT
easat-8097	365	28	making	making	NOUN
easat-8097	365	29	in	in	ADP
easat-8097	365	30	the	the	DET
easat-8097	365	31	financial	financial	ADJ
easat-8097	365	32	context	context	NOUN
easat-8097	365	33	.	.	PUNCT
easat-8097	366	1	these	these	DET
easat-8097	366	2	findings	finding	NOUN
easat-8097	366	3	are	be	AUX
easat-8097	366	4	consistent	consistent	ADJ
easat-8097	366	5	with	with	ADP
easat-8097	366	6	both	both	CCONJ
easat-8097	366	7	domestic	domestic	ADJ
easat-8097	366	8	and	and	CCONJ
easat-8097	366	9	international	international	ADJ
easat-8097	366	10	literature	literature	NOUN
easat-8097	366	11	,	,	PUNCT
easat-8097	366	12	affirming	affirm	VERB
easat-8097	366	13	the	the	DET
easat-8097	366	14	robustness	robustness	NOUN
easat-8097	366	15	of	of	ADP
easat-8097	366	16	the	the	DET
easat-8097	366	17	tpb	tpb	NOUN
easat-8097	366	18	model	model	NOUN
easat-8097	366	19	while	while	SCONJ
easat-8097	366	20	underscoring	underscore	VERB
easat-8097	366	21	the	the	DET
easat-8097	366	22	value	value	NOUN
easat-8097	366	23	of	of	ADP
easat-8097	366	24	incorporating	incorporate	VERB
easat-8097	366	25	contextual	contextual	ADJ
easat-8097	366	26	elements	element	NOUN
easat-8097	366	27	—	—	PUNCT
easat-8097	366	28	especially	especially	ADV
easat-8097	366	29	in	in	ADP
easat-8097	366	30	emerging	emerge	VERB
easat-8097	366	31	markets	market	NOUN
easat-8097	366	32	like	like	ADP
easat-8097	366	33	vietnam	vietnam	PROPN
easat-8097	366	34	.	.	PUNCT
easat-8097	367	1	the	the	DET
easat-8097	367	2	study	study	NOUN
easat-8097	367	3	offers	offer	VERB
easat-8097	367	4	a	a	DET
easat-8097	367	5	more	more	ADV
easat-8097	367	6	nuanced	nuanced	ADJ
easat-8097	367	7	,	,	PUNCT
easat-8097	367	8	localized	localized	ADJ
easat-8097	367	9	understanding	understanding	NOUN
easat-8097	367	10	of	of	ADP
easat-8097	367	11	consumer	consumer	NOUN
easat-8097	367	12	behavior	behavior	NOUN
easat-8097	367	13	in	in	ADP
easat-8097	367	14	the	the	DET
easat-8097	367	15	vietnamese	vietnamese	ADJ
easat-8097	367	16	banking	banking	NOUN
easat-8097	367	17	sector	sector	NOUN
easat-8097	367	18	,	,	PUNCT
easat-8097	367	19	thereby	thereby	ADV
easat-8097	367	20	providing	provide	VERB
easat-8097	367	21	a	a	DET
easat-8097	367	22	valuable	valuable	ADJ
easat-8097	367	23	empirical	empirical	ADJ
easat-8097	367	24	foundation	foundation	NOUN
easat-8097	367	25	for	for	ADP
easat-8097	367	26	enhancing	enhance	VERB
easat-8097	367	27	credit	credit	NOUN
easat-8097	367	28	card	card	NOUN
easat-8097	367	29	adoption	adoption	NOUN
easat-8097	367	30	strategies	strategy	NOUN
easat-8097	367	31	.	.	PUNCT
easat-8097	368	1	5.1	5.1	NUM
easat-8097	368	2	.	.	PUNCT
easat-8097	369	1	practical	practical	ADJ
easat-8097	369	2	implications	implication	NOUN
easat-8097	369	3	for	for	ADP
easat-8097	369	4	vietnamese	vietnamese	ADJ
easat-8097	369	5	commercial	commercial	ADJ
easat-8097	369	6	banks	bank	NOUN
easat-8097	370	1	,	,	PUNCT
easat-8097	370	2	the	the	DET
easat-8097	370	3	study	study	NOUN
easat-8097	370	4	suggests	suggest	VERB
easat-8097	370	5	several	several	ADJ
easat-8097	370	6	actionable	actionable	ADJ
easat-8097	370	7	strategies	strategy	NOUN
easat-8097	370	8	.	.	PUNCT
easat-8097	371	1	first	first	ADV
easat-8097	371	2	,	,	PUNCT
easat-8097	371	3	targeted	target	VERB
easat-8097	371	4	1230	1230	NUM
easat-8097	371	5	edelweiss	edelweiss	PROPN
easat-8097	371	6	applied	apply	VERB
easat-8097	371	7	science	science	NOUN
easat-8097	371	8	and	and	CCONJ
easat-8097	371	9	technology	technology	NOUN
easat-8097	371	10	issn	issn	PROPN
easat-8097	371	11	:	:	PUNCT
easat-8097	371	12	2576	2576	NUM
easat-8097	371	13	-	-	SYM
easat-8097	371	14	8484	8484	NUM
easat-8097	371	15	vol	vol	NOUN
easat-8097	371	16	.	.	PROPN
easat-8097	372	1	9	9	NUM
easat-8097	372	2	,	,	PUNCT
easat-8097	372	3	no	no	INTJ
easat-8097	372	4	.	.	NOUN
easat-8097	372	5	6	6	NUM
easat-8097	372	6	:	:	SYM
easat-8097	372	7	1215	1215	NUM
easat-8097	372	8	-	-	SYM
easat-8097	372	9	1232	1232	NUM
easat-8097	372	10	,	,	PUNCT
easat-8097	372	11	2025	2025	NUM
easat-8097	372	12	doi	doi	NOUN
easat-8097	372	13	:	:	PUNCT
easat-8097	372	14	10.55214/25768484.v9i6.8097	10.55214/25768484.v9i6.8097	NUM
easat-8097	372	15	©	©	PROPN
easat-8097	372	16	2025	2025	NUM
easat-8097	372	17	by	by	ADP
easat-8097	372	18	the	the	DET
easat-8097	372	19	authors	author	NOUN
easat-8097	372	20	;	;	PUNCT
easat-8097	372	21	licensee	licensee	PROPN
easat-8097	372	22	learning	learn	VERB
easat-8097	372	23	gate	gate	NOUN
easat-8097	372	24	educational	educational	ADJ
easat-8097	372	25	campaigns	campaign	NOUN
easat-8097	372	26	should	should	AUX
easat-8097	372	27	be	be	AUX
easat-8097	372	28	prioritized	prioritize	VERB
easat-8097	372	29	to	to	PART
easat-8097	372	30	reshape	reshape	VERB
easat-8097	372	31	consumer	consumer	NOUN
easat-8097	372	32	attitudes	attitude	NOUN
easat-8097	372	33	by	by	ADP
easat-8097	372	34	elucidating	elucidate	VERB
easat-8097	372	35	the	the	DET
easat-8097	372	36	benefits	benefit	NOUN
easat-8097	372	37	of	of	ADP
easat-8097	372	38	credit	credit	NOUN
easat-8097	372	39	cards	card	NOUN
easat-8097	372	40	,	,	PUNCT
easat-8097	372	41	demystifying	demystify	VERB
easat-8097	372	42	fee	fee	NOUN
easat-8097	372	43	structures	structure	NOUN
easat-8097	372	44	,	,	PUNCT
easat-8097	372	45	and	and	CCONJ
easat-8097	372	46	addressing	address	VERB
easat-8097	372	47	prevalent	prevalent	ADJ
easat-8097	372	48	misconceptions	misconception	NOUN
easat-8097	372	49	about	about	ADP
easat-8097	372	50	debt	debt	NOUN
easat-8097	372	51	.	.	PUNCT
easat-8097	373	1	interactive	interactive	ADJ
easat-8097	373	2	tools	tool	NOUN
easat-8097	373	3	such	such	ADJ
easat-8097	373	4	as	as	ADP
easat-8097	373	5	infographics	infographic	NOUN
easat-8097	373	6	,	,	PUNCT
easat-8097	373	7	financial	financial	ADJ
easat-8097	373	8	calculators	calculator	NOUN
easat-8097	373	9	,	,	PUNCT
easat-8097	373	10	and	and	CCONJ
easat-8097	373	11	educational	educational	ADJ
easat-8097	373	12	workshops	workshop	NOUN
easat-8097	373	13	can	can	AUX
easat-8097	373	14	foster	foster	VERB
easat-8097	373	15	more	more	ADV
easat-8097	373	16	informed	informed	ADJ
easat-8097	373	17	and	and	CCONJ
easat-8097	373	18	positive	positive	ADJ
easat-8097	373	19	user	user	NOUN
easat-8097	373	20	perceptions	perception	NOUN
easat-8097	373	21	.	.	PUNCT
easat-8097	374	1	second	second	ADJ
easat-8097	374	2	,	,	PUNCT
easat-8097	374	3	leveraging	leverage	VERB
easat-8097	374	4	social	social	ADJ
easat-8097	374	5	influence	influence	NOUN
easat-8097	374	6	is	be	AUX
easat-8097	374	7	essential	essential	ADJ
easat-8097	374	8	.	.	PUNCT
easat-8097	375	1	banks	bank	NOUN
easat-8097	375	2	are	be	AUX
easat-8097	375	3	encouraged	encourage	VERB
easat-8097	375	4	to	to	PART
easat-8097	375	5	implement	implement	VERB
easat-8097	375	6	referral	referral	ADJ
easat-8097	375	7	programs	program	NOUN
easat-8097	375	8	,	,	PUNCT
easat-8097	375	9	engage	engage	VERB
easat-8097	375	10	financial	financial	ADJ
easat-8097	375	11	influencers	influencer	NOUN
easat-8097	375	12	,	,	PUNCT
easat-8097	375	13	and	and	CCONJ
easat-8097	375	14	share	share	VERB
easat-8097	375	15	authentic	authentic	ADJ
easat-8097	375	16	customer	customer	NOUN
easat-8097	375	17	testimonials	testimonial	NOUN
easat-8097	375	18	to	to	PART
easat-8097	375	19	reinforce	reinforce	VERB
easat-8097	375	20	positive	positive	ADJ
easat-8097	375	21	subjective	subjective	ADJ
easat-8097	375	22	norms	norm	NOUN
easat-8097	375	23	and	and	CCONJ
easat-8097	375	24	reduce	reduce	VERB
easat-8097	375	25	apprehension	apprehension	NOUN
easat-8097	375	26	.	.	PUNCT
easat-8097	376	1	third	third	ADJ
easat-8097	376	2	,	,	PUNCT
easat-8097	376	3	enhancing	enhance	VERB
easat-8097	376	4	digital	digital	ADJ
easat-8097	376	5	banking	banking	NOUN
easat-8097	376	6	functionalities	functionality	NOUN
easat-8097	376	7	—	—	PUNCT
easat-8097	376	8	such	such	ADJ
easat-8097	376	9	as	as	ADP
easat-8097	376	10	budget	budget	NOUN
easat-8097	376	11	tracking	tracking	NOUN
easat-8097	376	12	tools	tool	NOUN
easat-8097	376	13	,	,	PUNCT
easat-8097	376	14	automated	automate	VERB
easat-8097	376	15	payment	payment	NOUN
easat-8097	376	16	features	feature	NOUN
easat-8097	376	17	,	,	PUNCT
easat-8097	376	18	and	and	CCONJ
easat-8097	376	19	personalized	personalized	ADJ
easat-8097	376	20	reminders	reminder	NOUN
easat-8097	376	21	—	—	PUNCT
easat-8097	376	22	can	can	AUX
easat-8097	376	23	strengthen	strengthen	VERB
easat-8097	376	24	consumers	consumer	NOUN
easat-8097	376	25	’	'	PUNCT
easat-8097	376	26	perceived	perceive	VERB
easat-8097	376	27	behavioral	behavioral	ADJ
easat-8097	376	28	control	control	NOUN
easat-8097	376	29	and	and	CCONJ
easat-8097	376	30	mitigate	mitigate	VERB
easat-8097	376	31	the	the	DET
easat-8097	376	32	risk	risk	NOUN
easat-8097	376	33	of	of	ADP
easat-8097	376	34	overindebtedness	overindebtedness	NOUN
easat-8097	376	35	.	.	PUNCT
easat-8097	377	1	fourth	fourth	ADJ
easat-8097	377	2	,	,	PUNCT
easat-8097	377	3	transparent	transparent	ADJ
easat-8097	377	4	and	and	CCONJ
easat-8097	377	5	competitive	competitive	ADJ
easat-8097	377	6	pricing	pricing	NOUN
easat-8097	377	7	models	model	NOUN
easat-8097	377	8	are	be	AUX
easat-8097	377	9	crucial	crucial	ADJ
easat-8097	377	10	.	.	PUNCT
easat-8097	378	1	reducing	reduce	VERB
easat-8097	378	2	or	or	CCONJ
easat-8097	378	3	eliminating	eliminate	VERB
easat-8097	378	4	minor	minor	ADJ
easat-8097	378	5	fees	fee	NOUN
easat-8097	378	6	,	,	PUNCT
easat-8097	378	7	clearly	clearly	ADV
easat-8097	378	8	communicating	communicate	VERB
easat-8097	378	9	cost	cost	NOUN
easat-8097	378	10	structures	structure	NOUN
easat-8097	378	11	,	,	PUNCT
easat-8097	378	12	and	and	CCONJ
easat-8097	378	13	maintaining	maintain	VERB
easat-8097	378	14	transparency	transparency	NOUN
easat-8097	378	15	will	will	AUX
easat-8097	378	16	alleviate	alleviate	VERB
easat-8097	378	17	customer	customer	NOUN
easat-8097	378	18	concerns	concern	NOUN
easat-8097	378	19	about	about	ADP
easat-8097	378	20	hidden	hide	VERB
easat-8097	378	21	charges	charge	NOUN
easat-8097	378	22	and	and	CCONJ
easat-8097	378	23	build	build	VERB
easat-8097	378	24	long	long	ADJ
easat-8097	378	25	-	-	PUNCT
easat-8097	378	26	term	term	NOUN
easat-8097	378	27	trust	trust	NOUN
easat-8097	378	28	.	.	PUNCT
easat-8097	379	1	fifth	fifth	ADJ
easat-8097	379	2	,	,	PUNCT
easat-8097	379	3	credit	credit	NOUN
easat-8097	379	4	card	card	NOUN
easat-8097	379	5	incentives	incentive	NOUN
easat-8097	379	6	should	should	AUX
easat-8097	379	7	be	be	AUX
easat-8097	379	8	embedded	embed	VERB
easat-8097	379	9	into	into	ADP
easat-8097	379	10	everyday	everyday	ADJ
easat-8097	379	11	transactions	transaction	NOUN
easat-8097	379	12	.	.	PUNCT
easat-8097	380	1	expanding	expand	VERB
easat-8097	380	2	reward	reward	NOUN
easat-8097	380	3	programs	program	NOUN
easat-8097	380	4	,	,	PUNCT
easat-8097	380	5	offering	offer	VERB
easat-8097	380	6	discounts	discount	NOUN
easat-8097	380	7	on	on	ADP
easat-8097	380	8	essential	essential	ADJ
easat-8097	380	9	services	service	NOUN
easat-8097	380	10	(	(	PUNCT
easat-8097	380	11	e.g.	e.g.	ADV
easat-8097	380	12	,	,	PUNCT
easat-8097	380	13	education	education	NOUN
easat-8097	380	14	,	,	PUNCT
easat-8097	380	15	healthcare	healthcare	PROPN
easat-8097	380	16	,	,	PUNCT
easat-8097	380	17	transportation	transportation	NOUN
easat-8097	380	18	)	)	PUNCT
easat-8097	380	19	,	,	PUNCT
easat-8097	380	20	and	and	CCONJ
easat-8097	380	21	strengthening	strengthen	VERB
easat-8097	380	22	merchant	merchant	NOUN
easat-8097	380	23	networks	network	NOUN
easat-8097	380	24	can	can	AUX
easat-8097	380	25	significantly	significantly	ADV
easat-8097	380	26	enhance	enhance	VERB
easat-8097	380	27	usage	usage	NOUN
easat-8097	380	28	motivation	motivation	NOUN
easat-8097	380	29	.	.	PUNCT
easat-8097	381	1	sixth	sixth	ADJ
easat-8097	381	2	,	,	PUNCT
easat-8097	381	3	operational	operational	ADJ
easat-8097	381	4	efficiency	efficiency	NOUN
easat-8097	381	5	must	must	AUX
easat-8097	381	6	be	be	AUX
easat-8097	381	7	optimized	optimize	VERB
easat-8097	381	8	.	.	PUNCT
easat-8097	382	1	investment	investment	NOUN
easat-8097	382	2	in	in	ADP
easat-8097	382	3	ai	ai	ADJ
easat-8097	382	4	-	-	PUNCT
easat-8097	382	5	powered	powered	ADJ
easat-8097	382	6	customer	customer	NOUN
easat-8097	382	7	service	service	NOUN
easat-8097	382	8	tools	tool	NOUN
easat-8097	382	9	,	,	PUNCT
easat-8097	382	10	seamless	seamless	ADJ
easat-8097	382	11	digital	digital	ADJ
easat-8097	382	12	onboarding	onboarding	NOUN
easat-8097	382	13	,	,	PUNCT
easat-8097	382	14	round	round	ADP
easat-8097	382	15	-	-	PUNCT
easat-8097	382	16	the	the	DET
easat-8097	382	17	-	-	PUNCT
easat-8097	382	18	clock	clock	NOUN
easat-8097	382	19	support	support	NOUN
easat-8097	382	20	,	,	PUNCT
easat-8097	382	21	and	and	CCONJ
easat-8097	382	22	robust	robust	ADJ
easat-8097	382	23	fraud	fraud	NOUN
easat-8097	382	24	prevention	prevention	NOUN
easat-8097	382	25	systems	system	NOUN
easat-8097	382	26	can	can	AUX
easat-8097	382	27	improve	improve	VERB
easat-8097	382	28	service	service	NOUN
easat-8097	382	29	quality	quality	NOUN
easat-8097	382	30	and	and	CCONJ
easat-8097	382	31	customer	customer	NOUN
easat-8097	382	32	loyalty	loyalty	NOUN
easat-8097	382	33	.	.	PUNCT
easat-8097	383	1	5.2	5.2	NUM
easat-8097	383	2	.	.	PUNCT
easat-8097	384	1	policy	policy	NOUN
easat-8097	384	2	implications	implication	NOUN
easat-8097	384	3	for	for	ADP
easat-8097	384	4	policymakers	policymaker	NOUN
easat-8097	384	5	,	,	PUNCT
easat-8097	384	6	particularly	particularly	ADV
easat-8097	384	7	the	the	DET
easat-8097	384	8	state	state	NOUN
easat-8097	384	9	bank	bank	PROPN
easat-8097	384	10	of	of	ADP
easat-8097	384	11	vietnam	vietnam	PROPN
easat-8097	384	12	and	and	CCONJ
easat-8097	384	13	the	the	DET
easat-8097	384	14	ministry	ministry	PROPN
easat-8097	384	15	of	of	ADP
easat-8097	384	16	industry	industry	NOUN
easat-8097	384	17	and	and	CCONJ
easat-8097	384	18	trade	trade	NOUN
easat-8097	384	19	,	,	PUNCT
easat-8097	384	20	the	the	DET
easat-8097	384	21	findings	finding	NOUN
easat-8097	384	22	underscore	underscore	VERB
easat-8097	384	23	the	the	DET
easat-8097	384	24	need	need	NOUN
easat-8097	384	25	for	for	ADP
easat-8097	384	26	nationwide	nationwide	ADJ
easat-8097	384	27	financial	financial	ADJ
easat-8097	384	28	literacy	literacy	NOUN
easat-8097	384	29	initiatives	initiative	NOUN
easat-8097	384	30	and	and	CCONJ
easat-8097	384	31	standardized	standardized	ADJ
easat-8097	384	32	transparency	transparency	NOUN
easat-8097	384	33	regulations	regulation	NOUN
easat-8097	384	34	across	across	ADP
easat-8097	384	35	the	the	DET
easat-8097	384	36	banking	banking	NOUN
easat-8097	384	37	system	system	NOUN
easat-8097	384	38	.	.	PUNCT
easat-8097	385	1	strengthening	strengthen	VERB
easat-8097	385	2	the	the	DET
easat-8097	385	3	regulatory	regulatory	ADJ
easat-8097	385	4	and	and	CCONJ
easat-8097	385	5	technological	technological	ADJ
easat-8097	385	6	infrastructure	infrastructure	NOUN
easat-8097	385	7	for	for	ADP
easat-8097	385	8	electronic	electronic	ADJ
easat-8097	385	9	payments	payment	NOUN
easat-8097	385	10	,	,	PUNCT
easat-8097	385	11	offering	offer	VERB
easat-8097	385	12	tax	tax	NOUN
easat-8097	385	13	incentives	incentive	NOUN
easat-8097	385	14	for	for	ADP
easat-8097	385	15	card	card	NOUN
easat-8097	385	16	-	-	PUNCT
easat-8097	385	17	accepting	accept	VERB
easat-8097	385	18	merchants	merchant	NOUN
easat-8097	385	19	,	,	PUNCT
easat-8097	385	20	and	and	CCONJ
easat-8097	385	21	promoting	promote	VERB
easat-8097	385	22	public	public	ADJ
easat-8097	385	23	campaigns	campaign	NOUN
easat-8097	385	24	to	to	PART
easat-8097	385	25	normalize	normalize	VERB
easat-8097	385	26	and	and	CCONJ
easat-8097	385	27	destigmatize	destigmatize	VERB
easat-8097	385	28	credit	credit	NOUN
easat-8097	385	29	usage	usage	NOUN
easat-8097	385	30	will	will	AUX
easat-8097	385	31	be	be	AUX
easat-8097	385	32	instrumental	instrumental	ADJ
easat-8097	385	33	in	in	ADP
easat-8097	385	34	supporting	support	VERB
easat-8097	385	35	vietnam	vietnam	PROPN
easat-8097	385	36	’s	’s	PART
easat-8097	385	37	cashless	cashless	NOUN
easat-8097	385	38	economy	economy	NOUN
easat-8097	385	39	agenda	agenda	NOUN
easat-8097	385	40	.	.	PUNCT
easat-8097	386	1	transparency	transparency	NOUN
easat-8097	386	2	:	:	PUNCT
easat-8097	386	3	the	the	DET
easat-8097	386	4	authors	author	NOUN
easat-8097	386	5	confirm	confirm	VERB
easat-8097	386	6	that	that	SCONJ
easat-8097	386	7	the	the	DET
easat-8097	386	8	manuscript	manuscript	NOUN
easat-8097	386	9	is	be	AUX
easat-8097	386	10	an	an	DET
easat-8097	386	11	honest	honest	ADJ
easat-8097	386	12	,	,	PUNCT
easat-8097	386	13	accurate	accurate	ADJ
easat-8097	386	14	,	,	PUNCT
easat-8097	386	15	and	and	CCONJ
easat-8097	386	16	transparent	transparent	ADJ
easat-8097	386	17	account	account	NOUN
easat-8097	386	18	of	of	ADP
easat-8097	386	19	the	the	DET
easat-8097	386	20	study	study	NOUN
easat-8097	386	21	;	;	PUNCT
easat-8097	386	22	that	that	SCONJ
easat-8097	386	23	no	no	DET
easat-8097	386	24	vital	vital	ADJ
easat-8097	386	25	features	feature	NOUN
easat-8097	386	26	of	of	ADP
easat-8097	386	27	the	the	DET
easat-8097	386	28	study	study	NOUN
easat-8097	386	29	have	have	AUX
easat-8097	386	30	been	be	AUX
easat-8097	386	31	omitted	omit	VERB
easat-8097	386	32	;	;	PUNCT
easat-8097	386	33	and	and	CCONJ
easat-8097	386	34	that	that	SCONJ
easat-8097	386	35	any	any	DET
easat-8097	386	36	discrepancies	discrepancy	NOUN
easat-8097	386	37	from	from	ADP
easat-8097	386	38	the	the	DET
easat-8097	386	39	study	study	NOUN
easat-8097	386	40	as	as	SCONJ
easat-8097	386	41	planned	plan	VERB
easat-8097	386	42	have	have	AUX
easat-8097	386	43	been	be	AUX
easat-8097	386	44	explained	explain	VERB
easat-8097	386	45	.	.	PUNCT
easat-8097	387	1	this	this	DET
easat-8097	387	2	study	study	NOUN
easat-8097	387	3	followed	follow	VERB
easat-8097	387	4	all	all	DET
easat-8097	387	5	ethical	ethical	ADJ
easat-8097	387	6	practices	practice	NOUN
easat-8097	387	7	during	during	ADP
easat-8097	387	8	writing	writing	NOUN
easat-8097	387	9	.	.	PUNCT
easat-8097	388	1	acknowledgment	acknowledgment	NOUN
easat-8097	388	2	:	:	PUNCT
easat-8097	388	3	the	the	DET
easat-8097	388	4	authors	author	NOUN
easat-8097	388	5	gratefully	gratefully	ADV
easat-8097	388	6	acknowledge	acknowledge	VERB
easat-8097	388	7	the	the	DET
easat-8097	388	8	financial	financial	ADJ
easat-8097	388	9	support	support	NOUN
easat-8097	388	10	from	from	ADP
easat-8097	388	11	the	the	DET
easat-8097	388	12	banking	banking	NOUN
easat-8097	388	13	academy	academy	PROPN
easat-8097	388	14	of	of	ADP
easat-8097	388	15	vietnam	vietnam	PROPN
easat-8097	388	16	.	.	PUNCT
easat-8097	389	1	copyright	copyright	NOUN
easat-8097	389	2	:	:	PUNCT
easat-8097	389	3	©	©	PROPN
easat-8097	389	4	2025	2025	NUM
easat-8097	389	5	by	by	ADP
easat-8097	389	6	the	the	DET
easat-8097	389	7	authors	author	NOUN
easat-8097	389	8	.	.	PUNCT
easat-8097	390	1	this	this	DET
easat-8097	390	2	open	open	ADJ
easat-8097	390	3	-	-	PUNCT
easat-8097	390	4	access	access	NOUN
easat-8097	390	5	article	article	NOUN
easat-8097	390	6	is	be	AUX
easat-8097	390	7	distributed	distribute	VERB
easat-8097	390	8	under	under	ADP
easat-8097	390	9	the	the	DET
easat-8097	390	10	terms	term	NOUN
easat-8097	390	11	and	and	CCONJ
easat-8097	390	12	conditions	condition	NOUN
easat-8097	390	13	of	of	ADP
easat-8097	390	14	the	the	DET
easat-8097	390	15	creative	creative	ADJ
easat-8097	390	16	commons	common	NOUN
easat-8097	390	17	attribution	attribution	NOUN
easat-8097	390	18	(	(	PUNCT
easat-8097	390	19	cc	cc	NOUN
easat-8097	390	20	by	by	ADP
easat-8097	390	21	)	)	PUNCT
easat-8097	390	22	license	license	NOUN
easat-8097	390	23	(	(	PUNCT
easat-8097	390	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-8097	390	25	)	)	PUNCT
easat-8097	390	26	.	.	PUNCT
easat-8097	391	1	references	reference	NOUN
easat-8097	391	2	[	[	X
easat-8097	391	3	1	1	NUM
easat-8097	391	4	]	]	PUNCT
easat-8097	391	5	m.	m.	NOUN
easat-8097	391	6	p.	p.	NOUN
easat-8097	391	7	nguyen	nguyen	NOUN
easat-8097	391	8	,	,	PUNCT
easat-8097	391	9	t.	t.	PROPN
easat-8097	391	10	t.	t.	PROPN
easat-8097	391	11	h.	h.	PROPN
easat-8097	391	12	hoang	hoang	PROPN
easat-8097	391	13	,	,	PUNCT
easat-8097	391	14	a.	a.	NOUN
easat-8097	391	15	phan	phan	PROPN
easat-8097	391	16	,	,	PUNCT
easat-8097	391	17	and	and	CCONJ
easat-8097	391	18	m.	m.	PROPN
easat-8097	391	19	d.	d.	PROPN
easat-8097	391	20	tran	tran	PROPN
easat-8097	391	21	,	,	PUNCT
easat-8097	391	22	"	"	PUNCT
easat-8097	391	23	disparities	disparity	NOUN
easat-8097	391	24	in	in	ADP
easat-8097	391	25	banking	banking	NOUN
easat-8097	391	26	information	information	NOUN
easat-8097	391	27	transparency	transparency	NOUN
easat-8097	391	28	in	in	ADP
easat-8097	391	29	southeast	southeast	ADJ
easat-8097	391	30	asian	asian	ADJ
easat-8097	391	31	countries	country	NOUN
easat-8097	391	32	,	,	PUNCT
easat-8097	391	33	"	"	PUNCT
easat-8097	391	34	corporate	corporate	ADJ
easat-8097	391	35	governance	governance	NOUN
easat-8097	391	36	and	and	CCONJ
easat-8097	391	37	organizational	organizational	ADJ
easat-8097	391	38	behavior	behavior	NOUN
easat-8097	391	39	review	review	NOUN
easat-8097	391	40	,	,	PUNCT
easat-8097	391	41	vol	vol	NOUN
easat-8097	391	42	.	.	PROPN
easat-8097	392	1	6	6	NUM
easat-8097	392	2	,	,	PUNCT
easat-8097	392	3	no	no	INTJ
easat-8097	392	4	.	.	NOUN
easat-8097	392	5	2	2	NUM
easat-8097	392	6	,	,	PUNCT
easat-8097	392	7	pp	pp	ADJ
easat-8097	392	8	.	.	PUNCT
easat-8097	393	1	236–246	236–246	NUM
easat-8097	393	2	,	,	PUNCT
easat-8097	393	3	2022	2022	NUM
easat-8097	393	4	.	.	PUNCT
easat-8097	394	1	[	[	X
easat-8097	394	2	2	2	X
easat-8097	394	3	]	]	PUNCT
easat-8097	394	4	p.	p.	PROPN
easat-8097	394	5	q.	q.	PROPN
easat-8097	394	6	tran	tran	PROPN
easat-8097	394	7	,	,	PUNCT
easat-8097	394	8	a.	a.	NOUN
easat-8097	394	9	phan	phan	PROPN
easat-8097	394	10	,	,	PUNCT
easat-8097	394	11	d.	d.	PROPN
easat-8097	394	12	v.	v.	PROPN
easat-8097	394	13	tran	tran	PROPN
easat-8097	394	14	,	,	PUNCT
easat-8097	394	15	and	and	CCONJ
easat-8097	394	16	m.	m.	PROPN
easat-8097	394	17	h.	h.	PROPN
easat-8097	394	18	shahrour	shahrour	PROPN
easat-8097	394	19	,	,	PUNCT
easat-8097	394	20	"	"	PUNCT
easat-8097	394	21	the	the	DET
easat-8097	394	22	effect	effect	NOUN
easat-8097	394	23	of	of	ADP
easat-8097	394	24	capital	capital	NOUN
easat-8097	394	25	empowerment	empowerment	NOUN
easat-8097	394	26	on	on	ADP
easat-8097	394	27	the	the	DET
easat-8097	394	28	lending	lending	NOUN
easat-8097	394	29	competence	competence	NOUN
easat-8097	394	30	of	of	ADP
easat-8097	394	31	banks	bank	NOUN
easat-8097	394	32	:	:	PUNCT
easat-8097	394	33	evidence	evidence	NOUN
easat-8097	394	34	from	from	ADP
easat-8097	394	35	segmental	segmental	ADJ
easat-8097	394	36	analysis	analysis	NOUN
easat-8097	394	37	,	,	PUNCT
easat-8097	394	38	"	"	PUNCT
easat-8097	394	39	economic	economic	ADJ
easat-8097	394	40	bull	bull	NOUN
easat-8097	394	41	,	,	PUNCT
easat-8097	394	42	vol	vol	NOUN
easat-8097	394	43	.	.	PROPN
easat-8097	394	44	44	44	NUM
easat-8097	394	45	,	,	PUNCT
easat-8097	394	46	pp	pp	ADJ
easat-8097	394	47	.	.	PUNCT
easat-8097	395	1	731	731	NUM
easat-8097	395	2	-	-	SYM
easat-8097	395	3	746	746	NUM
easat-8097	395	4	,	,	PUNCT
easat-8097	395	5	2024	2024	NUM
easat-8097	395	6	.	.	PUNCT
easat-8097	396	1	[	[	X
easat-8097	396	2	3	3	X
easat-8097	396	3	]	]	PUNCT
easat-8097	396	4	m.	m.	NOUN
easat-8097	396	5	p.	p.	PROPN
easat-8097	396	6	nguyen	nguyen	PROPN
easat-8097	396	7	,	,	PUNCT
easat-8097	396	8	a.	a.	NOUN
easat-8097	396	9	phan	phan	PROPN
easat-8097	396	10	,	,	PUNCT
easat-8097	396	11	v.	v.	PROPN
easat-8097	396	12	h.	h.	PROPN
easat-8097	396	13	pham	pham	PROPN
easat-8097	396	14	,	,	PUNCT
easat-8097	396	15	t.	t.	PROPN
easat-8097	396	16	m.	m.	PROPN
easat-8097	396	17	p.	p.	PROPN
easat-8097	396	18	nguyen	nguyen	NOUN
easat-8097	396	19	,	,	PUNCT
easat-8097	396	20	and	and	CCONJ
easat-8097	396	21	m.	m.	PROPN
easat-8097	396	22	d.	d.	PROPN
easat-8097	396	23	tran	tran	PROPN
easat-8097	396	24	,	,	PUNCT
easat-8097	396	25	"	"	PUNCT
easat-8097	396	26	determinants	determinant	NOUN
easat-8097	396	27	influencing	influence	VERB
easat-8097	396	28	gen	gen	PROPN
easat-8097	396	29	z	z	PROPN
easat-8097	396	30	’s	’s	PART
easat-8097	396	31	decision	decision	NOUN
easat-8097	396	32	to	to	PART
easat-8097	396	33	use	use	VERB
easat-8097	396	34	mobile	mobile	ADJ
easat-8097	396	35	banking	banking	NOUN
easat-8097	396	36	distribution	distribution	NOUN
easat-8097	396	37	channel	channel	NOUN
easat-8097	396	38	on	on	ADP
easat-8097	396	39	vietnam	vietnam	PROPN
easat-8097	396	40	,	,	PUNCT
easat-8097	396	41	"	"	PUNCT
easat-8097	396	42	journal	journal	NOUN
easat-8097	396	43	of	of	ADP
easat-8097	396	44	organizational	organizational	ADJ
easat-8097	396	45	behavior	behavior	NOUN
easat-8097	396	46	research	research	NOUN
easat-8097	396	47	,	,	PUNCT
easat-8097	396	48	vol	vol	NOUN
easat-8097	396	49	.	.	PROPN
easat-8097	396	50	8	8	NUM
easat-8097	396	51	,	,	PUNCT
easat-8097	396	52	no	no	INTJ
easat-8097	396	53	.	.	NOUN
easat-8097	396	54	12023	12023	NUM
easat-8097	396	55	,	,	PUNCT
easat-8097	396	56	pp	pp	ADJ
easat-8097	396	57	.	.	PUNCT
easat-8097	397	1	105	105	NUM
easat-8097	397	2	-	-	SYM
easat-8097	397	3	120	120	NUM
easat-8097	397	4	,	,	PUNCT
easat-8097	397	5	2023	2023	NUM
easat-8097	397	6	.	.	PUNCT
easat-8097	398	1	[	[	X
easat-8097	398	2	4	4	X
easat-8097	398	3	]	]	PUNCT
easat-8097	398	4	w.	w.	PROPN
easat-8097	398	5	nasri	nasri	PROPN
easat-8097	398	6	,	,	PUNCT
easat-8097	398	7	c.	c.	PROPN
easat-8097	398	8	lanouar	lanouar	PROPN
easat-8097	398	9	,	,	PUNCT
easat-8097	398	10	and	and	CCONJ
easat-8097	398	11	a.	a.	NOUN
easat-8097	398	12	allagui	allagui	NOUN
easat-8097	398	13	,	,	PUNCT
easat-8097	398	14	"	"	PUNCT
easat-8097	398	15	expanding	expand	VERB
easat-8097	398	16	the	the	DET
easat-8097	398	17	technology	technology	NOUN
easat-8097	398	18	acceptance	acceptance	NOUN
easat-8097	398	19	model	model	NOUN
easat-8097	398	20	to	to	PART
easat-8097	398	21	examine	examine	VERB
easat-8097	398	22	internet	internet	NOUN
easat-8097	398	23	banking	banking	NOUN
easat-8097	398	24	adoption	adoption	NOUN
easat-8097	398	25	in	in	ADP
easat-8097	398	26	tunisia	tunisia	PROPN
easat-8097	398	27	country	country	NOUN
easat-8097	398	28	,	,	PUNCT
easat-8097	398	29	"	"	PUNCT
easat-8097	398	30	international	international	ADJ
easat-8097	398	31	journal	journal	NOUN
easat-8097	398	32	of	of	ADP
easat-8097	398	33	innovation	innovation	NOUN
easat-8097	398	34	in	in	ADP
easat-8097	398	35	the	the	DET
easat-8097	398	36	digital	digital	ADJ
easat-8097	398	37	economy	economy	NOUN
easat-8097	398	38	,	,	PUNCT
easat-8097	398	39	vol	vol	NOUN
easat-8097	398	40	.	.	PROPN
easat-8097	398	41	4	4	NUM
easat-8097	398	42	,	,	PUNCT
easat-8097	398	43	no	no	INTJ
easat-8097	398	44	.	.	NOUN
easat-8097	398	45	4	4	NUM
easat-8097	398	46	,	,	PUNCT
easat-8097	398	47	pp	pp	ADJ
easat-8097	398	48	.	.	PUNCT
easat-8097	399	1	61	61	NUM
easat-8097	399	2	-	-	SYM
easat-8097	399	3	81	81	NUM
easat-8097	399	4	,	,	PUNCT
easat-8097	399	5	2013	2013	NUM
easat-8097	399	6	.	.	PUNCT
easat-8097	400	1	https://doi.org/10.4018/ijide.2013100104	https://doi.org/10.4018/ijide.2013100104	PROPN
easat-8097	400	2	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-8097	400	3	https://doi.org/10.4018/ijide.2013100104	https://doi.org/10.4018/ijide.2013100104	PROPN
easat-8097	400	4	1231	1231	NUM
easat-8097	400	5	edelweiss	edelweiss	PROPN
easat-8097	400	6	applied	apply	VERB
easat-8097	400	7	science	science	NOUN
easat-8097	400	8	and	and	CCONJ
easat-8097	400	9	technology	technology	NOUN
easat-8097	400	10	issn	issn	PROPN
easat-8097	400	11	:	:	PUNCT
easat-8097	400	12	2576	2576	NUM
easat-8097	400	13	-	-	SYM
easat-8097	400	14	8484	8484	NUM
easat-8097	400	15	vol	vol	NOUN
easat-8097	400	16	.	.	PROPN
easat-8097	401	1	9	9	NUM
easat-8097	401	2	,	,	PUNCT
easat-8097	401	3	no	no	INTJ
easat-8097	401	4	.	.	NOUN
easat-8097	401	5	6	6	NUM
easat-8097	401	6	:	:	SYM
easat-8097	401	7	1215	1215	NUM
easat-8097	401	8	-	-	SYM
easat-8097	401	9	1232	1232	NUM
easat-8097	401	10	,	,	PUNCT
easat-8097	401	11	2025	2025	NUM
easat-8097	401	12	doi	doi	NOUN
easat-8097	401	13	:	:	PUNCT
easat-8097	401	14	10.55214/25768484.v9i6.8097	10.55214/25768484.v9i6.8097	NUM
easat-8097	401	15	©	©	PROPN
easat-8097	401	16	2025	2025	NUM
easat-8097	401	17	by	by	ADP
easat-8097	401	18	the	the	DET
easat-8097	401	19	authors	author	NOUN
easat-8097	401	20	;	;	PUNCT
easat-8097	401	21	licensee	licensee	PROPN
easat-8097	401	22	learning	learning	NOUN
easat-8097	401	23	gate	gate	NOUN
easat-8097	402	1	[	[	X
easat-8097	402	2	5	5	NUM
easat-8097	402	3	]	]	PUNCT
easat-8097	402	4	a.	a.	NOUN
easat-8097	402	5	phan	phan	PROPN
easat-8097	402	6	,	,	PUNCT
easat-8097	402	7	c.	c.	PROPN
easat-8097	402	8	h.	h.	PROPN
easat-8097	402	9	lu	lu	PROPN
easat-8097	402	10	,	,	PUNCT
easat-8097	402	11	l.	l.	PROPN
easat-8097	402	12	x.	x.	PROPN
easat-8097	402	13	hoang	hoang	PROPN
easat-8097	402	14	,	,	PUNCT
easat-8097	402	15	and	and	CCONJ
easat-8097	402	16	p.	p.	PROPN
easat-8097	402	17	m.	m.	NOUN
easat-8097	402	18	nguyen	nguyen	PROPN
easat-8097	402	19	,	,	PUNCT
easat-8097	402	20	"	"	PUNCT
easat-8097	402	21	the	the	DET
easat-8097	402	22	effect	effect	NOUN
easat-8097	402	23	of	of	ADP
easat-8097	402	24	investing	invest	VERB
easat-8097	402	25	into	into	ADP
easat-8097	402	26	distribution	distribution	NOUN
easat-8097	402	27	information	information	NOUN
easat-8097	402	28	and	and	CCONJ
easat-8097	402	29	communication	communication	NOUN
easat-8097	402	30	technologies	technology	NOUN
easat-8097	402	31	on	on	ADP
easat-8097	402	32	banking	banking	NOUN
easat-8097	402	33	performance	performance	NOUN
easat-8097	402	34	the	the	DET
easat-8097	402	35	empirical	empirical	ADJ
easat-8097	402	36	evidence	evidence	NOUN
easat-8097	402	37	from	from	ADP
easat-8097	402	38	an	an	DET
easat-8097	402	39	emerging	emerge	VERB
easat-8097	402	40	country	country	NOUN
easat-8097	402	41	,	,	PUNCT
easat-8097	402	42	"	"	PUNCT
easat-8097	402	43	journal	journal	NOUN
easat-8097	402	44	of	of	ADP
easat-8097	402	45	distribution	distribution	NOUN
easat-8097	402	46	science	science	NOUN
easat-8097	402	47	,	,	PUNCT
easat-8097	402	48	vol	vol	NOUN
easat-8097	402	49	.	.	PROPN
easat-8097	402	50	20	20	NUM
easat-8097	402	51	,	,	PUNCT
easat-8097	402	52	no	no	INTJ
easat-8097	402	53	.	.	NOUN
easat-8097	402	54	6	6	NUM
easat-8097	402	55	,	,	PUNCT
easat-8097	402	56	pp	pp	ADJ
easat-8097	402	57	.	.	PUNCT
easat-8097	403	1	43	43	NUM
easat-8097	403	2	-	-	SYM
easat-8097	403	3	56	56	NUM
easat-8097	403	4	,	,	PUNCT
easat-8097	403	5	2022	2022	NUM
easat-8097	403	6	.	.	PUNCT
easat-8097	404	1	[	[	X
easat-8097	404	2	6	6	NUM
easat-8097	404	3	]	]	X
easat-8097	404	4	n.	n.	PROPN
easat-8097	404	5	h.	h.	PROPN
easat-8097	404	6	trinh	trinh	PROPN
easat-8097	404	7	and	and	CCONJ
easat-8097	404	8	h.	h.	PROPN
easat-8097	404	9	h.	h.	PROPN
easat-8097	404	10	tran	tran	PROPN
easat-8097	404	11	,	,	PUNCT
easat-8097	404	12	"	"	PUNCT
easat-8097	404	13	determinants	determinant	NOUN
easat-8097	404	14	of	of	ADP
easat-8097	404	15	continuance	continuance	NOUN
easat-8097	404	16	intention	intention	NOUN
easat-8097	404	17	to	to	PART
easat-8097	404	18	use	use	VERB
easat-8097	404	19	credit	credit	NOUN
easat-8097	404	20	cards	card	NOUN
easat-8097	404	21	in	in	ADP
easat-8097	404	22	vietnam	vietnam	PROPN
easat-8097	404	23	:	:	PUNCT
easat-8097	404	24	a	a	DET
easat-8097	404	25	model	model	NOUN
easat-8097	404	26	integrating	integrate	VERB
easat-8097	404	27	stimulus	stimulus	ADJ
easat-8097	404	28	-	-	PUNCT
easat-8097	404	29	organism	organism	NOUN
easat-8097	404	30	-	-	PUNCT
easat-8097	404	31	response	response	NOUN
easat-8097	404	32	,	,	PUNCT
easat-8097	404	33	perceived	perceive	VERB
easat-8097	404	34	risk	risk	NOUN
easat-8097	404	35	,	,	PUNCT
easat-8097	404	36	and	and	CCONJ
easat-8097	404	37	information	information	NOUN
easat-8097	404	38	system	system	NOUN
easat-8097	404	39	success	success	NOUN
easat-8097	404	40	,	,	PUNCT
easat-8097	404	41	"	"	PUNCT
easat-8097	404	42	journal	journal	NOUN
easat-8097	404	43	of	of	ADP
easat-8097	404	44	logistics	logistic	NOUN
easat-8097	404	45	,	,	PUNCT
easat-8097	404	46	informatics	informatic	NOUN
easat-8097	404	47	and	and	CCONJ
easat-8097	404	48	service	service	NOUN
easat-8097	404	49	science	science	NOUN
easat-8097	404	50	,	,	PUNCT
easat-8097	404	51	vol	vol	NOUN
easat-8097	404	52	.	.	PROPN
easat-8097	404	53	11	11	NUM
easat-8097	404	54	,	,	PUNCT
easat-8097	404	55	no	no	INTJ
easat-8097	404	56	.	.	NOUN
easat-8097	404	57	9	9	NUM
easat-8097	404	58	,	,	PUNCT
easat-8097	404	59	pp	pp	ADJ
easat-8097	404	60	.	.	PUNCT
easat-8097	405	1	1	1	NUM
easat-8097	405	2	-	-	SYM
easat-8097	405	3	18	18	NUM
easat-8097	405	4	,	,	PUNCT
easat-8097	405	5	2024	2024	NUM
easat-8097	405	6	.	.	PUNCT
easat-8097	406	1	https://doi.org/10.33168/jliss.2024.0914	https://doi.org/10.33168/jliss.2024.0914	PROPN
easat-8097	407	1	[	[	X
easat-8097	407	2	7	7	X
easat-8097	407	3	]	]	PUNCT
easat-8097	407	4	m.	m.	NOUN
easat-8097	407	5	h.	h.	PROPN
easat-8097	407	6	pham	pham	PROPN
easat-8097	407	7	,	,	PUNCT
easat-8097	407	8	d.	d.	PROPN
easat-8097	407	9	v.	v.	PROPN
easat-8097	407	10	tran	tran	PROPN
easat-8097	407	11	,	,	PUNCT
easat-8097	407	12	a.	a.	NOUN
easat-8097	407	13	phan	phan	PROPN
easat-8097	407	14	,	,	PUNCT
easat-8097	407	15	and	and	CCONJ
easat-8097	407	16	m.	m.	PROPN
easat-8097	407	17	n.	n.	PROPN
easat-8097	407	18	nguyen	nguyen	PROPN
easat-8097	407	19	,	,	PUNCT
easat-8097	407	20	"	"	PUNCT
easat-8097	407	21	managerial	managerial	ADJ
easat-8097	407	22	ability	ability	NOUN
easat-8097	407	23	and	and	CCONJ
easat-8097	407	24	bank	bank	NOUN
easat-8097	407	25	loan	loan	NOUN
easat-8097	407	26	pricing	pricing	NOUN
easat-8097	407	27	,	,	PUNCT
easat-8097	407	28	"	"	PUNCT
easat-8097	407	29	studies	study	NOUN
easat-8097	407	30	in	in	ADP
easat-8097	407	31	economics	economic	NOUN
easat-8097	407	32	and	and	CCONJ
easat-8097	407	33	finance	finance	NOUN
easat-8097	407	34	,	,	PUNCT
easat-8097	407	35	2025	2025	NUM
easat-8097	407	36	.	.	PUNCT
easat-8097	408	1	https://doi.org/10.1108/sef-07-2024-0404	https://doi.org/10.1108/sef-07-2024-0404	NOUN
easat-8097	409	1	[	[	X
easat-8097	409	2	8	8	NUM
easat-8097	409	3	]	]	PUNCT
easat-8097	409	4	a.	a.	NOUN
easat-8097	409	5	phan	phan	PROPN
easat-8097	409	6	,	,	PUNCT
easat-8097	409	7	t.	t.	PROPN
easat-8097	409	8	t.	t.	PROPN
easat-8097	409	9	h.	h.	PROPN
easat-8097	409	10	nguyen	nguyen	PROPN
easat-8097	409	11	,	,	PUNCT
easat-8097	409	12	m.	m.	NOUN
easat-8097	409	13	p.	p.	PROPN
easat-8097	409	14	nguyen	nguyen	PROPN
easat-8097	409	15	,	,	PUNCT
easat-8097	409	16	q.	q.	PROPN
easat-8097	409	17	c.	c.	PROPN
easat-8097	409	18	truong	truong	PROPN
easat-8097	409	19	,	,	PUNCT
easat-8097	409	20	and	and	CCONJ
easat-8097	409	21	t.	t.	PROPN
easat-8097	409	22	h.	h.	PROPN
easat-8097	409	23	t.	t.	PROPN
easat-8097	409	24	le	le	PROPN
easat-8097	409	25	,	,	PUNCT
easat-8097	409	26	"	"	PUNCT
easat-8097	409	27	impact	impact	NOUN
easat-8097	409	28	of	of	ADP
easat-8097	409	29	financial	financial	ADJ
easat-8097	409	30	leverage	leverage	NOUN
easat-8097	409	31	and	and	CCONJ
easat-8097	409	32	big	big	ADJ
easat-8097	409	33	4	4	NUM
easat-8097	409	34	audit	audit	NOUN
easat-8097	409	35	quality	quality	NOUN
easat-8097	409	36	on	on	ADP
easat-8097	409	37	the	the	DET
easat-8097	409	38	performance	performance	NOUN
easat-8097	409	39	of	of	ADP
easat-8097	409	40	listed	list	VERB
easat-8097	409	41	manufacturing	manufacturing	NOUN
easat-8097	409	42	companies	company	NOUN
easat-8097	409	43	in	in	ADP
easat-8097	409	44	vietnam	vietnam	PROPN
easat-8097	409	45	,	,	PUNCT
easat-8097	409	46	"	"	PUNCT
easat-8097	409	47	international	international	ADJ
easat-8097	409	48	journal	journal	NOUN
easat-8097	409	49	of	of	ADP
easat-8097	409	50	innovative	innovative	ADJ
easat-8097	409	51	research	research	NOUN
easat-8097	409	52	and	and	CCONJ
easat-8097	409	53	scientific	scientific	ADJ
easat-8097	409	54	studies	study	NOUN
easat-8097	409	55	,	,	PUNCT
easat-8097	409	56	vol	vol	NOUN
easat-8097	409	57	.	.	PROPN
easat-8097	409	58	8	8	NUM
easat-8097	409	59	,	,	PUNCT
easat-8097	409	60	no	no	INTJ
easat-8097	409	61	.	.	NOUN
easat-8097	409	62	3	3	NUM
easat-8097	409	63	,	,	PUNCT
easat-8097	409	64	pp	pp	ADJ
easat-8097	409	65	.	.	PUNCT
easat-8097	410	1	233–243	233–243	NUM
easat-8097	410	2	,	,	PUNCT
easat-8097	410	3	2025	2025	NUM
easat-8097	410	4	.	.	PUNCT
easat-8097	411	1	[	[	X
easat-8097	411	2	9	9	NUM
easat-8097	411	3	]	]	PUNCT
easat-8097	411	4	v.	v.	ADP
easat-8097	411	5	t.	t.	PROPN
easat-8097	411	6	bui	bui	PROPN
easat-8097	411	7	,	,	PUNCT
easat-8097	411	8	q.	q.	PROPN
easat-8097	411	9	t.	t.	PROPN
easat-8097	411	10	nguyen	nguyen	PROPN
easat-8097	411	11	,	,	PUNCT
easat-8097	411	12	and	and	CCONJ
easat-8097	411	13	t.	t.	PROPN
easat-8097	411	14	d.	d.	PROPN
easat-8097	411	15	n.	n.	PROPN
easat-8097	411	16	phan	phan	PROPN
easat-8097	411	17	,	,	PUNCT
easat-8097	411	18	"	"	PUNCT
easat-8097	411	19	factors	factor	NOUN
easat-8097	411	20	influencing	influence	VERB
easat-8097	411	21	the	the	DET
easat-8097	411	22	decision	decision	NOUN
easat-8097	411	23	to	to	PART
easat-8097	411	24	use	use	VERB
easat-8097	411	25	credit	credit	NOUN
easat-8097	411	26	cards	card	NOUN
easat-8097	411	27	in	in	ADP
easat-8097	411	28	e‑commerce	e‑commerce	NOUN
easat-8097	411	29	transactions	transaction	NOUN
easat-8097	411	30	by	by	ADP
easat-8097	411	31	individual	individual	ADJ
easat-8097	411	32	customers	customer	NOUN
easat-8097	411	33	at	at	ADP
easat-8097	411	34	vietcombank	vietcombank	ADJ
easat-8097	411	35	–	–	PUNCT
easat-8097	411	36	east	east	PROPN
easat-8097	411	37	da	da	PROPN
easat-8097	411	38	 	 	SPACE
easat-8097	411	39	nang	nang	PROPN
easat-8097	411	40	branch	branch	PROPN
easat-8097	411	41	,	,	PUNCT
easat-8097	411	42	"	"	PUNCT
easat-8097	411	43	vietnam	vietnam	NOUN
easat-8097	411	44	trade	trade	NOUN
easat-8097	411	45	and	and	CCONJ
easat-8097	411	46	industry	industry	NOUN
easat-8097	411	47	review	review	NOUN
easat-8097	411	48	,	,	PUNCT
easat-8097	411	49	vol	vol	NOUN
easat-8097	411	50	.	.	PROPN
easat-8097	411	51	21	21	NUM
easat-8097	411	52	,	,	PUNCT
easat-8097	411	53	pp	pp	ADJ
easat-8097	411	54	.	.	PUNCT
easat-8097	412	1	247–253	247–253	NUM
easat-8097	412	2	,	,	PUNCT
easat-8097	412	3	2021	2021	NUM
easat-8097	412	4	.	.	PUNCT
easat-8097	413	1	[	[	X
easat-8097	413	2	10	10	NUM
easat-8097	413	3	]	]	SYM
easat-8097	413	4	ş	ş	X
easat-8097	413	5	.	.	PUNCT
easat-8097	413	6	t.	t.	PROPN
easat-8097	413	7	süngü	süngü	PROPN
easat-8097	413	8	,	,	PUNCT
easat-8097	413	9	"	"	PUNCT
easat-8097	413	10	why	why	SCONJ
easat-8097	413	11	do	do	AUX
easat-8097	413	12	people	people	NOUN
easat-8097	413	13	use	use	VERB
easat-8097	413	14	credit	credit	NOUN
easat-8097	413	15	cards	card	NOUN
easat-8097	413	16	?	?	PUNCT
easat-8097	414	1	factors	factor	NOUN
easat-8097	414	2	affecting	affect	VERB
easat-8097	414	3	credit	credit	NOUN
easat-8097	414	4	card	card	NOUN
easat-8097	414	5	usage	usage	NOUN
easat-8097	414	6	,	,	PUNCT
easat-8097	414	7	"	"	PUNCT
easat-8097	414	8	in	in	ADP
easat-8097	414	9	proceedings	proceeding	NOUN
easat-8097	414	10	of	of	ADP
easat-8097	414	11	the	the	DET
easat-8097	414	12	5th	5th	ADJ
easat-8097	414	13	scf	scf	PROPN
easat-8097	414	14	international	international	ADJ
easat-8097	414	15	conference	conference	NOUN
easat-8097	414	16	on	on	ADP
easat-8097	414	17	economics	economic	NOUN
easat-8097	414	18	and	and	CCONJ
easat-8097	414	19	social	social	ADJ
easat-8097	414	20	impacts	impact	NOUN
easat-8097	414	21	of	of	ADP
easat-8097	414	22	globalization	globalization	NOUN
easat-8097	414	23	and	and	CCONJ
easat-8097	414	24	future	future	ADJ
easat-8097	414	25	european	european	PROPN
easat-8097	414	26	union	union	PROPN
easat-8097	414	27	,	,	PUNCT
easat-8097	414	28	podgorica	podgorica	PROPN
easat-8097	414	29	,	,	PUNCT
easat-8097	414	30	montenegro	montenegro	PROPN
easat-8097	414	31	:	:	PUNCT
easat-8097	414	32	usak	usak	PROPN
easat-8097	414	33	university	university	PROPN
easat-8097	414	34	,	,	PUNCT
easat-8097	414	35	2018	2018	NUM
easat-8097	414	36	,	,	PUNCT
easat-8097	414	37	pp	pp	ADJ
easat-8097	414	38	.	.	PUNCT
easat-8097	415	1	201–210	201–210	NUM
easat-8097	415	2	.	.	PUNCT
easat-8097	416	1	[	[	X
easat-8097	416	2	11	11	NUM
easat-8097	416	3	]	]	PUNCT
easat-8097	416	4	a.	a.	NOUN
easat-8097	416	5	phan	phan	PROPN
easat-8097	416	6	and	and	CCONJ
easat-8097	416	7	t.	t.	PROPN
easat-8097	416	8	h.	h.	PROPN
easat-8097	416	9	t.	t.	PROPN
easat-8097	416	10	le	le	PROPN
easat-8097	416	11	,	,	PUNCT
easat-8097	416	12	"	"	PUNCT
easat-8097	416	13	intellectual	intellectual	ADJ
easat-8097	416	14	capital	capital	NOUN
easat-8097	416	15	and	and	CCONJ
easat-8097	416	16	bank	bank	NOUN
easat-8097	416	17	performance	performance	NOUN
easat-8097	416	18	:	:	PUNCT
easat-8097	416	19	a	a	DET
easat-8097	416	20	board	board	NOUN
easat-8097	416	21	of	of	ADP
easat-8097	416	22	directors	director	NOUN
easat-8097	416	23	’	’	PART
easat-8097	416	24	agenda	agenda	NOUN
easat-8097	416	25	,	,	PUNCT
easat-8097	416	26	"	"	PUNCT
easat-8097	416	27	corporate	corporate	ADJ
easat-8097	416	28	board	board	NOUN
easat-8097	416	29	:	:	PUNCT
easat-8097	416	30	role	role	NOUN
easat-8097	416	31	,	,	PUNCT
easat-8097	416	32	duties	duty	NOUN
easat-8097	416	33	and	and	CCONJ
easat-8097	416	34	composition	composition	NOUN
easat-8097	416	35	,	,	PUNCT
easat-8097	416	36	vol	vol	NOUN
easat-8097	416	37	.	.	PROPN
easat-8097	416	38	20	20	NUM
easat-8097	416	39	,	,	PUNCT
easat-8097	416	40	no	no	INTJ
easat-8097	416	41	.	.	NOUN
easat-8097	416	42	3	3	NUM
easat-8097	416	43	,	,	PUNCT
easat-8097	416	44	pp	pp	ADJ
easat-8097	416	45	.	.	PUNCT
easat-8097	417	1	128–134	128–134	NUM
easat-8097	417	2	,	,	PUNCT
easat-8097	417	3	2024	2024	NUM
easat-8097	417	4	.	.	PUNCT
easat-8097	418	1	[	[	X
easat-8097	418	2	12	12	NUM
easat-8097	418	3	]	]	PUNCT
easat-8097	418	4	k.	k.	PROPN
easat-8097	418	5	ç	ç	PROPN
easat-8097	418	6	.	.	PROPN
easat-8097	418	7	karaaslan	karaaslan	PROPN
easat-8097	418	8	and	and	CCONJ
easat-8097	418	9	h.	h.	PROPN
easat-8097	418	10	h.	h.	PROPN
easat-8097	418	11	tekmanlı	tekmanlı	PROPN
easat-8097	418	12	,	,	PUNCT
easat-8097	418	13	"	"	PUNCT
easat-8097	418	14	determinants	determinant	NOUN
easat-8097	418	15	of	of	ADP
easat-8097	418	16	credit	credit	NOUN
easat-8097	418	17	card	card	NOUN
easat-8097	418	18	use	use	NOUN
easat-8097	418	19	:	:	PUNCT
easat-8097	418	20	evidence	evidence	NOUN
easat-8097	418	21	from	from	ADP
easat-8097	418	22	cross	cross	ADJ
easat-8097	418	23	-	-	ADJ
easat-8097	418	24	section	section	ADJ
easat-8097	418	25	data	datum	NOUN
easat-8097	418	26	in	in	ADP
easat-8097	418	27	turkey	turkey	NOUN
easat-8097	418	28	,	,	PUNCT
easat-8097	418	29	"	"	PUNCT
easat-8097	418	30	international	international	ADJ
easat-8097	418	31	journal	journal	NOUN
easat-8097	418	32	of	of	ADP
easat-8097	418	33	contemporary	contemporary	ADJ
easat-8097	418	34	economics	economic	NOUN
easat-8097	418	35	and	and	CCONJ
easat-8097	418	36	administrative	administrative	ADJ
easat-8097	418	37	sciences	science	NOUN
easat-8097	418	38	,	,	PUNCT
easat-8097	418	39	vol	vol	NOUN
easat-8097	418	40	.	.	PROPN
easat-8097	418	41	12	12	NUM
easat-8097	418	42	,	,	PUNCT
easat-8097	418	43	no	no	INTJ
easat-8097	418	44	.	.	NOUN
easat-8097	418	45	1	1	NUM
easat-8097	418	46	,	,	PUNCT
easat-8097	418	47	pp	pp	ADJ
easat-8097	418	48	.	.	PUNCT
easat-8097	419	1	191	191	NUM
easat-8097	419	2	-	-	SYM
easat-8097	419	3	204	204	NUM
easat-8097	419	4	,	,	PUNCT
easat-8097	419	5	2022	2022	NUM
easat-8097	419	6	.	.	PUNCT
easat-8097	420	1	[	[	X
easat-8097	420	2	13	13	NUM
easat-8097	420	3	]	]	X
easat-8097	420	4	n.	n.	PROPN
easat-8097	420	5	m.	m.	PROPN
easat-8097	420	6	h.	h.	PROPN
easat-8097	420	7	tran	tran	PROPN
easat-8097	420	8	and	and	CCONJ
easat-8097	420	9	m.	m.	NOUN
easat-8097	420	10	m.	m.	PROPN
easat-8097	420	11	v.	v.	PROPN
easat-8097	420	12	trinh	trinh	PROPN
easat-8097	420	13	,	,	PUNCT
easat-8097	420	14	"	"	PUNCT
easat-8097	420	15	factors	factor	NOUN
easat-8097	420	16	affecting	affect	VERB
easat-8097	420	17	the	the	DET
easat-8097	420	18	decision	decision	NOUN
easat-8097	420	19	to	to	PART
easat-8097	420	20	use	use	VERB
easat-8097	420	21	linked	link	VERB
easat-8097	420	22	student	student	NOUN
easat-8097	420	23	cards	card	NOUN
easat-8097	420	24	in	in	ADP
easat-8097	420	25	payment	payment	NOUN
easat-8097	420	26	:	:	PUNCT
easat-8097	420	27	the	the	DET
easat-8097	420	28	case	case	NOUN
easat-8097	420	29	of	of	ADP
easat-8097	420	30	students	student	NOUN
easat-8097	420	31	at	at	ADP
easat-8097	420	32	banking	banking	NOUN
easat-8097	420	33	university	university	PROPN
easat-8097	420	34	of	of	ADP
easat-8097	420	35	ho	ho	PROPN
easat-8097	420	36	chi	chi	PROPN
easat-8097	420	37	minh	minh	PROPN
easat-8097	420	38	city	city	NOUN
easat-8097	420	39	,	,	PUNCT
easat-8097	420	40	"	"	PUNCT
easat-8097	420	41	journal	journal	NOUN
easat-8097	420	42	of	of	ADP
easat-8097	420	43	science	science	NOUN
easat-8097	420	44	of	of	ADP
easat-8097	420	45	banking	banking	NOUN
easat-8097	420	46	university	university	NOUN
easat-8097	420	47	ho	ho	PROPN
easat-8097	420	48	chi	chi	PROPN
easat-8097	420	49	minh	minh	PROPN
easat-8097	420	50	city	city	PROPN
easat-8097	420	51	,	,	PUNCT
easat-8097	420	52	no	no	INTJ
easat-8097	420	53	.	.	NOUN
easat-8097	420	54	168	168	NUM
easat-8097	420	55	,	,	PUNCT
easat-8097	420	56	pp	pp	PROPN
easat-8097	420	57	.	.	PUNCT
easat-8097	420	58	86–93	86–93	NUM
easat-8097	420	59	,	,	PUNCT
easat-8097	420	60	2020	2020	NUM
easat-8097	420	61	.	.	PUNCT
easat-8097	421	1	[	[	X
easat-8097	421	2	14	14	NUM
easat-8097	421	3	]	]	PUNCT
easat-8097	421	4	m.	m.	NOUN
easat-8097	421	5	p.	p.	NOUN
easat-8097	421	6	nguyen	nguyen	PROPN
easat-8097	421	7	and	and	CCONJ
easat-8097	421	8	a.	a.	NOUN
easat-8097	421	9	phan	phan	PROPN
easat-8097	421	10	,	,	PUNCT
easat-8097	421	11	"	"	PUNCT
easat-8097	421	12	customer	customer	NOUN
easat-8097	421	13	’s	’s	PART
easat-8097	421	14	satisfaction	satisfaction	NOUN
easat-8097	421	15	about	about	ADP
easat-8097	421	16	mobile	mobile	ADJ
easat-8097	421	17	banking	banking	NOUN
easat-8097	421	18	distribution	distribution	NOUN
easat-8097	421	19	channel	channel	NOUN
easat-8097	421	20	in	in	ADP
easat-8097	421	21	vietnamese	vietnamese	ADJ
easat-8097	421	22	commercial	commercial	ADJ
easat-8097	421	23	banks	bank	NOUN
easat-8097	421	24	,	,	PUNCT
easat-8097	421	25	"	"	PUNCT
easat-8097	421	26	journal	journal	NOUN
easat-8097	421	27	of	of	ADP
easat-8097	421	28	distribution	distribution	NOUN
easat-8097	421	29	science	science	NOUN
easat-8097	421	30	,	,	PUNCT
easat-8097	421	31	vol	vol	NOUN
easat-8097	421	32	.	.	PROPN
easat-8097	421	33	20	20	NUM
easat-8097	421	34	,	,	PUNCT
easat-8097	421	35	no	no	INTJ
easat-8097	421	36	.	.	NOUN
easat-8097	421	37	8	8	NUM
easat-8097	421	38	,	,	PUNCT
easat-8097	421	39	pp	pp	ADJ
easat-8097	421	40	.	.	PUNCT
easat-8097	422	1	69	69	NUM
easat-8097	422	2	-	-	SYM
easat-8097	422	3	79	79	NUM
easat-8097	422	4	,	,	PUNCT
easat-8097	422	5	2022	2022	NUM
easat-8097	422	6	.	.	PUNCT
easat-8097	423	1	https://doi.org/10.15722/jds.20.08.202208.69	https://doi.org/10.15722/jds.20.08.202208.69	NOUN
easat-8097	424	1	[	[	X
easat-8097	424	2	15	15	NUM
easat-8097	424	3	]	]	PUNCT
easat-8097	424	4	z.	z.	PROPN
easat-8097	424	5	u.	u.	PROPN
easat-8097	424	6	ahmed	ahmed	PROPN
easat-8097	424	7	,	,	PUNCT
easat-8097	424	8	i.	i.	PROPN
easat-8097	424	9	ismail	ismail	PROPN
easat-8097	424	10	,	,	PUNCT
easat-8097	424	11	m.	m.	NOUN
easat-8097	424	12	sadiq	sadiq	PROPN
easat-8097	424	13	sohail	sohail	PROPN
easat-8097	424	14	,	,	PUNCT
easat-8097	424	15	i.	i.	PROPN
easat-8097	424	16	tabsh	tabsh	PROPN
easat-8097	424	17	,	,	PUNCT
easat-8097	424	18	and	and	CCONJ
easat-8097	424	19	h.	h.	PROPN
easat-8097	424	20	alias	alias	PROPN
easat-8097	424	21	,	,	PUNCT
easat-8097	424	22	"	"	PUNCT
easat-8097	424	23	malaysian	malaysian	ADJ
easat-8097	424	24	consumers	consumer	NOUN
easat-8097	424	25	'	'	PART
easat-8097	424	26	credit	credit	NOUN
easat-8097	424	27	card	card	NOUN
easat-8097	424	28	usage	usage	NOUN
easat-8097	424	29	behavior	behavior	NOUN
easat-8097	424	30	,	,	PUNCT
easat-8097	424	31	"	"	PUNCT
easat-8097	424	32	asia	asia	PROPN
easat-8097	424	33	pacific	pacific	PROPN
easat-8097	424	34	journal	journal	PROPN
easat-8097	424	35	of	of	ADP
easat-8097	424	36	marketing	marketing	NOUN
easat-8097	424	37	and	and	CCONJ
easat-8097	424	38	logistics	logistic	NOUN
easat-8097	424	39	,	,	PUNCT
easat-8097	424	40	vol	vol	NOUN
easat-8097	424	41	.	.	PROPN
easat-8097	424	42	22	22	NUM
easat-8097	424	43	,	,	PUNCT
easat-8097	424	44	no	no	INTJ
easat-8097	424	45	.	.	NOUN
easat-8097	424	46	4	4	NUM
easat-8097	424	47	,	,	PUNCT
easat-8097	424	48	pp	pp	ADJ
easat-8097	424	49	.	.	PUNCT
easat-8097	425	1	528	528	NUM
easat-8097	425	2	-	-	SYM
easat-8097	425	3	544	544	NUM
easat-8097	425	4	,	,	PUNCT
easat-8097	425	5	2010	2010	NUM
easat-8097	425	6	.	.	PUNCT
easat-8097	426	1	[	[	X
easat-8097	426	2	16	16	NUM
easat-8097	426	3	]	]	PUNCT
easat-8097	426	4	t.	t.	PROPN
easat-8097	426	5	v.	v.	PROPN
easat-8097	426	6	nguyen	nguyen	PROPN
easat-8097	426	7	,	,	PUNCT
easat-8097	426	8	a.	a.	NOUN
easat-8097	426	9	phan	phan	PROPN
easat-8097	426	10	,	,	PUNCT
easat-8097	426	11	and	and	CCONJ
easat-8097	426	12	d.	d.	PROPN
easat-8097	426	13	v.	v.	PROPN
easat-8097	426	14	tran	tran	PROPN
easat-8097	426	15	,	,	PUNCT
easat-8097	426	16	"	"	PUNCT
easat-8097	426	17	activity	activity	NOUN
easat-8097	426	18	strategies	strategy	NOUN
easat-8097	426	19	,	,	PUNCT
easat-8097	426	20	bank	bank	NOUN
easat-8097	426	21	stability	stability	NOUN
easat-8097	426	22	and	and	CCONJ
easat-8097	426	23	policy	policy	NOUN
easat-8097	426	24	uncertainty	uncertainty	NOUN
easat-8097	426	25	,	,	PUNCT
easat-8097	426	26	"	"	PUNCT
easat-8097	426	27	journal	journal	NOUN
easat-8097	426	28	of	of	ADP
easat-8097	426	29	economics	economic	NOUN
easat-8097	426	30	and	and	CCONJ
easat-8097	426	31	finance	finance	NOUN
easat-8097	426	32	,	,	PUNCT
easat-8097	426	33	vol	vol	NOUN
easat-8097	426	34	.	.	PROPN
easat-8097	427	1	47	47	NUM
easat-8097	427	2	,	,	PUNCT
easat-8097	427	3	no	no	INTJ
easat-8097	427	4	.	.	NOUN
easat-8097	427	5	4	4	NUM
easat-8097	427	6	,	,	PUNCT
easat-8097	427	7	pp	pp	ADJ
easat-8097	427	8	.	.	PUNCT
easat-8097	428	1	959	959	NUM
easat-8097	428	2	-	-	SYM
easat-8097	428	3	983	983	NUM
easat-8097	428	4	,	,	PUNCT
easat-8097	428	5	2023	2023	NUM
easat-8097	428	6	.	.	PUNCT
easat-8097	429	1	[	[	X
easat-8097	429	2	17	17	NUM
easat-8097	429	3	]	]	PUNCT
easat-8097	429	4	m.	m.	NOUN
easat-8097	429	5	p.	p.	NOUN
easat-8097	429	6	nguyen	nguyen	NOUN
easat-8097	429	7	,	,	PUNCT
easat-8097	429	8	t.	t.	PROPN
easat-8097	429	9	t.	t.	PROPN
easat-8097	429	10	h.	h.	PROPN
easat-8097	429	11	hoang	hoang	PROPN
easat-8097	429	12	,	,	PUNCT
easat-8097	429	13	and	and	CCONJ
easat-8097	429	14	a.	a.	NOUN
easat-8097	429	15	phan	phan	PROPN
easat-8097	429	16	,	,	PUNCT
easat-8097	429	17	"	"	PUNCT
easat-8097	429	18	determinants	determinant	NOUN
easat-8097	429	19	influencing	influence	VERB
easat-8097	429	20	intention	intention	NOUN
easat-8097	429	21	to	to	PART
easat-8097	429	22	apply	apply	VERB
easat-8097	429	23	multi	multi	ADJ
easat-8097	429	24	-	-	ADJ
easat-8097	429	25	dimensional	dimensional	ADJ
easat-8097	429	26	profitability	profitability	NOUN
easat-8097	429	27	analysis	analysis	NOUN
easat-8097	429	28	at	at	ADP
easat-8097	429	29	commercial	commercial	ADJ
easat-8097	429	30	banks	bank	NOUN
easat-8097	429	31	’	'	PUNCT
easat-8097	429	32	strategy	strategy	NOUN
easat-8097	429	33	,	,	PUNCT
easat-8097	429	34	"	"	PUNCT
easat-8097	429	35	corporate	corporate	ADJ
easat-8097	429	36	and	and	CCONJ
easat-8097	429	37	business	business	NOUN
easat-8097	429	38	strategy	strategy	NOUN
easat-8097	429	39	review	review	PROPN
easat-8097	429	40	,	,	PUNCT
easat-8097	429	41	vol	vol	NOUN
easat-8097	429	42	.	.	PROPN
easat-8097	429	43	5	5	NUM
easat-8097	429	44	,	,	PUNCT
easat-8097	429	45	no	no	INTJ
easat-8097	429	46	.	.	NOUN
easat-8097	429	47	3	3	NUM
easat-8097	429	48	,	,	PUNCT
easat-8097	429	49	pp	pp	ADJ
easat-8097	429	50	.	.	PUNCT
easat-8097	430	1	137–147	137–147	NUM
easat-8097	430	2	,	,	PUNCT
easat-8097	430	3	2024	2024	NUM
easat-8097	430	4	.	.	PUNCT
easat-8097	431	1	https://doi.org/10.22495/cbsrv5i3art13	https://doi.org/10.22495/cbsrv5i3art13	PROPN
easat-8097	431	2	[	[	X
easat-8097	431	3	18	18	NUM
easat-8097	431	4	]	]	X
easat-8097	431	5	i.	i.	NOUN
easat-8097	431	6	ajzen	ajzen	PROPN
easat-8097	431	7	,	,	PUNCT
easat-8097	431	8	"	"	PUNCT
easat-8097	431	9	the	the	DET
easat-8097	431	10	theory	theory	NOUN
easat-8097	431	11	of	of	ADP
easat-8097	431	12	planned	plan	VERB
easat-8097	431	13	behavior	behavior	NOUN
easat-8097	431	14	,	,	PUNCT
easat-8097	431	15	"	"	PUNCT
easat-8097	431	16	organizational	organizational	ADJ
easat-8097	431	17	behavior	behavior	NOUN
easat-8097	431	18	and	and	CCONJ
easat-8097	431	19	human	human	ADJ
easat-8097	431	20	decision	decision	NOUN
easat-8097	431	21	processes	process	NOUN
easat-8097	431	22	,	,	PUNCT
easat-8097	431	23	vol	vol	NOUN
easat-8097	431	24	.	.	PROPN
easat-8097	432	1	50	50	NUM
easat-8097	432	2	,	,	PUNCT
easat-8097	432	3	no	no	INTJ
easat-8097	432	4	.	.	NOUN
easat-8097	432	5	2	2	NUM
easat-8097	432	6	,	,	PUNCT
easat-8097	432	7	pp	pp	ADJ
easat-8097	432	8	.	.	PUNCT
easat-8097	433	1	179	179	NUM
easat-8097	433	2	-	-	SYM
easat-8097	433	3	211	211	NUM
easat-8097	433	4	,	,	PUNCT
easat-8097	433	5	1991	1991	NUM
easat-8097	433	6	.	.	PUNCT
easat-8097	434	1	[	[	X
easat-8097	434	2	19	19	NUM
easat-8097	434	3	]	]	X
easat-8097	434	4	p.	p.	NOUN
easat-8097	434	5	kotler	kotler	NOUN
easat-8097	434	6	,	,	PUNCT
easat-8097	434	7	g.	g.	PROPN
easat-8097	434	8	armstrong	armstrong	PROPN
easat-8097	434	9	,	,	PUNCT
easat-8097	434	10	j.	j.	PROPN
easat-8097	434	11	saunders	saunders	PROPN
easat-8097	434	12	,	,	PUNCT
easat-8097	434	13	and	and	CCONJ
easat-8097	434	14	v.	v.	ADP
easat-8097	434	15	wong	wong	PROPN
easat-8097	434	16	,	,	PUNCT
easat-8097	434	17	"	"	PUNCT
easat-8097	434	18	marketing	marketing	NOUN
easat-8097	434	19	in	in	ADP
easat-8097	434	20	a	a	DET
easat-8097	434	21	changing	change	VERB
easat-8097	434	22	world	world	NOUN
easat-8097	434	23	,	,	PUNCT
easat-8097	434	24	"	"	PUNCT
easat-8097	434	25	understanding	understand	VERB
easat-8097	434	26	business	business	NOUN
easat-8097	434	27	processes	process	NOUN
easat-8097	434	28	,	,	PUNCT
easat-8097	434	29	vol	vol	NOUN
easat-8097	434	30	.	.	PROPN
easat-8097	434	31	6	6	NUM
easat-8097	434	32	,	,	PUNCT
easat-8097	434	33	pp	pp	ADJ
easat-8097	434	34	.	.	PUNCT
easat-8097	434	35	69	69	NUM
easat-8097	434	36	-	-	SYM
easat-8097	434	37	90	90	NUM
easat-8097	434	38	,	,	PUNCT
easat-8097	434	39	2001	2001	NUM
easat-8097	434	40	.	.	PUNCT
easat-8097	435	1	[	[	X
easat-8097	435	2	20	20	NUM
easat-8097	435	3	]	]	PUNCT
easat-8097	435	4	j.	j.	PROPN
easat-8097	435	5	f.	f.	PROPN
easat-8097	435	6	engel	engel	PROPN
easat-8097	435	7	,	,	PUNCT
easat-8097	435	8	r.	r.	PROPN
easat-8097	435	9	d.	d.	PROPN
easat-8097	435	10	blackwell	blackwell	PROPN
easat-8097	435	11	,	,	PUNCT
easat-8097	435	12	and	and	CCONJ
easat-8097	435	13	p.	p.	PROPN
easat-8097	435	14	w.	w.	PROPN
easat-8097	435	15	miniard	miniard	PROPN
easat-8097	435	16	,	,	PUNCT
easat-8097	435	17	consumer	consumer	NOUN
easat-8097	435	18	behavior	behavior	NOUN
easat-8097	435	19	.	.	PUNCT
easat-8097	436	1	usa	usa	PROPN
easat-8097	436	2	:	:	PUNCT
easat-8097	436	3	dryden	dryden	PROPN
easat-8097	436	4	press	press	PROPN
easat-8097	436	5	,	,	PUNCT
easat-8097	436	6	1986	1986	NUM
easat-8097	436	7	.	.	PUNCT
easat-8097	437	1	[	[	X
easat-8097	437	2	21	21	NUM
easat-8097	437	3	]	]	X
easat-8097	437	4	p.	p.	PROPN
easat-8097	437	5	r.	r.	PROPN
easat-8097	437	6	warshaw	warshaw	PROPN
easat-8097	437	7	and	and	CCONJ
easat-8097	437	8	f.	f.	PROPN
easat-8097	437	9	d.	d.	PROPN
easat-8097	437	10	davis	davis	PROPN
easat-8097	437	11	,	,	PUNCT
easat-8097	437	12	"	"	PUNCT
easat-8097	437	13	disentangling	disentangle	VERB
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easat-8097	437	15	intention	intention	NOUN
easat-8097	437	16	and	and	CCONJ
easat-8097	437	17	behavioral	behavioral	ADJ
easat-8097	437	18	expectation	expectation	NOUN
easat-8097	437	19	,	,	PUNCT
easat-8097	437	20	"	"	PUNCT
easat-8097	437	21	journal	journal	NOUN
easat-8097	437	22	of	of	ADP
easat-8097	437	23	experimental	experimental	ADJ
easat-8097	437	24	social	social	ADJ
easat-8097	437	25	psychology	psychology	NOUN
easat-8097	437	26	,	,	PUNCT
easat-8097	437	27	vol	vol	NOUN
easat-8097	437	28	.	.	PROPN
easat-8097	437	29	21	21	NUM
easat-8097	437	30	,	,	PUNCT
easat-8097	437	31	no	no	INTJ
easat-8097	437	32	.	.	NOUN
easat-8097	437	33	3	3	NUM
easat-8097	437	34	,	,	PUNCT
easat-8097	437	35	pp	pp	ADJ
easat-8097	437	36	.	.	PUNCT
easat-8097	437	37	213	213	NUM
easat-8097	437	38	-	-	SYM
easat-8097	437	39	228	228	NUM
easat-8097	437	40	,	,	PUNCT
easat-8097	437	41	1985	1985	NUM
easat-8097	437	42	.	.	PUNCT
easat-8097	438	1	[	[	X
easat-8097	438	2	22	22	NUM
easat-8097	438	3	]	]	PUNCT
easat-8097	438	4	m.	m.	NOUN
easat-8097	438	5	fishbein	fishbein	PROPN
easat-8097	438	6	and	and	CCONJ
easat-8097	438	7	i.	i.	PROPN
easat-8097	438	8	ajzen	ajzen	PROPN
easat-8097	438	9	,	,	PUNCT
easat-8097	438	10	"	"	PUNCT
easat-8097	438	11	belief	belief	NOUN
easat-8097	438	12	,	,	PUNCT
easat-8097	438	13	attitude	attitude	NOUN
easat-8097	438	14	,	,	PUNCT
easat-8097	438	15	intention	intention	NOUN
easat-8097	438	16	,	,	PUNCT
easat-8097	438	17	and	and	CCONJ
easat-8097	438	18	behavior	behavior	NOUN
easat-8097	438	19	:	:	PUNCT
easat-8097	438	20	an	an	DET
easat-8097	438	21	introduction	introduction	NOUN
easat-8097	438	22	to	to	ADP
easat-8097	438	23	theory	theory	NOUN
easat-8097	438	24	and	and	CCONJ
easat-8097	438	25	research	research	NOUN
easat-8097	438	26	,	,	PUNCT
easat-8097	438	27	"	"	PUNCT
easat-8097	438	28	philosophy	philosophy	NOUN
easat-8097	438	29	&	&	CCONJ
easat-8097	438	30	rhetoric	rhetoric	NOUN
easat-8097	438	31	,	,	PUNCT
easat-8097	438	32	vol	vol	NOUN
easat-8097	438	33	.	.	PROPN
easat-8097	438	34	10	10	NUM
easat-8097	438	35	,	,	PUNCT
easat-8097	438	36	no	no	INTJ
easat-8097	438	37	.	.	NOUN
easat-8097	438	38	2	2	NUM
easat-8097	438	39	,	,	PUNCT
easat-8097	438	40	pp	pp	ADJ
easat-8097	438	41	.	.	PUNCT
easat-8097	439	1	130–132	130–132	NUM
easat-8097	439	2	,	,	PUNCT
easat-8097	439	3	1977	1977	NUM
easat-8097	439	4	.	.	PUNCT
easat-8097	440	1	[	[	X
easat-8097	440	2	23	23	NUM
easat-8097	440	3	]	]	PUNCT
easat-8097	440	4	t.	t.	PROPN
easat-8097	440	5	k.	k.	PROPN
easat-8097	440	6	hung	hung	PROPN
easat-8097	440	7	,	,	PUNCT
easat-8097	440	8	d.	d.	PROPN
easat-8097	440	9	t.	t.	PROPN
easat-8097	440	10	binh	binh	PROPN
easat-8097	440	11	,	,	PUNCT
easat-8097	440	12	h.	h.	PROPN
easat-8097	440	13	van	van	PROPN
easat-8097	440	14	hoa	hoa	PROPN
easat-8097	440	15	,	,	PUNCT
easat-8097	440	16	d.	d.	PROPN
easat-8097	440	17	q.	q.	PROPN
easat-8097	440	18	anh	anh	PROPN
easat-8097	440	19	,	,	PUNCT
easat-8097	440	20	and	and	CCONJ
easat-8097	440	21	n.	n.	NOUN
easat-8097	440	22	t.	t.	PROPN
easat-8097	440	23	t.	t.	PROPN
easat-8097	440	24	huyen	huyen	PROPN
easat-8097	440	25	,	,	PUNCT
easat-8097	440	26	"	"	PUNCT
easat-8097	440	27	consumer	consumer	NOUN
easat-8097	440	28	behavior	behavior	NOUN
easat-8097	440	29	and	and	CCONJ
easat-8097	440	30	purchasing	purchasing	NOUN
easat-8097	440	31	decisions	decision	NOUN
easat-8097	440	32	on	on	ADP
easat-8097	440	33	apparel	apparel	NOUN
easat-8097	440	34	products	product	NOUN
easat-8097	440	35	:	:	PUNCT
easat-8097	440	36	a	a	DET
easat-8097	440	37	critical	critical	ADJ
easat-8097	440	38	examination	examination	NOUN
easat-8097	440	39	,	,	PUNCT
easat-8097	440	40	"	"	PUNCT
easat-8097	440	41	international	international	ADJ
easat-8097	440	42	journal	journal	NOUN
easat-8097	440	43	of	of	ADP
easat-8097	440	44	business	business	NOUN
easat-8097	440	45	,	,	PUNCT
easat-8097	440	46	vol	vol	NOUN
easat-8097	440	47	.	.	PROPN
easat-8097	440	48	28	28	NUM
easat-8097	440	49	,	,	PUNCT
easat-8097	440	50	no	no	INTJ
easat-8097	440	51	.	.	NOUN
easat-8097	440	52	4	4	NUM
easat-8097	440	53	,	,	PUNCT
easat-8097	440	54	pp	pp	ADJ
easat-8097	440	55	.	.	PUNCT
easat-8097	441	1	55	55	NUM
easat-8097	441	2	-	-	SYM
easat-8097	441	3	72	72	NUM
easat-8097	441	4	,	,	PUNCT
easat-8097	441	5	2023	2023	NUM
easat-8097	441	6	.	.	PUNCT
easat-8097	442	1	[	[	X
easat-8097	442	2	24	24	NUM
easat-8097	442	3	]	]	X
easat-8097	442	4	d.	d.	PROPN
easat-8097	442	5	barnes	barnes	PROPN
easat-8097	442	6	,	,	PUNCT
easat-8097	442	7	understanding	understand	VERB
easat-8097	442	8	business	business	NOUN
easat-8097	442	9	:	:	PUNCT
easat-8097	442	10	processes	process	NOUN
easat-8097	442	11	.	.	PUNCT
easat-8097	443	1	uk	uk	PROPN
easat-8097	443	2	:	:	PUNCT
easat-8097	443	3	psychology	psychology	NOUN
easat-8097	443	4	press	press	NOUN
easat-8097	443	5	,	,	PUNCT
easat-8097	443	6	2001	2001	NUM
easat-8097	443	7	.	.	PUNCT
easat-8097	444	1	[	[	X
easat-8097	444	2	25	25	NUM
easat-8097	444	3	]	]	X
easat-8097	444	4	n.	n.	PROPN
easat-8097	444	5	m.	m.	NOUN
easat-8097	444	6	sang	sing	VERB
easat-8097	444	7	,	,	PUNCT
easat-8097	444	8	"	"	PUNCT
easat-8097	444	9	examining	examine	VERB
easat-8097	444	10	the	the	DET
easat-8097	444	11	adoption	adoption	NOUN
easat-8097	444	12	of	of	ADP
easat-8097	444	13	apple	apple	NOUN
easat-8097	444	14	pay	pay	NOUN
easat-8097	444	15	among	among	ADP
easat-8097	444	16	generation	generation	NOUN
easat-8097	444	17	z	z	PROPN
easat-8097	444	18	in	in	ADP
easat-8097	444	19	vietnam	vietnam	PROPN
easat-8097	444	20	,	,	PUNCT
easat-8097	444	21	"	"	PUNCT
easat-8097	444	22	banks	bank	NOUN
easat-8097	444	23	and	and	CCONJ
easat-8097	444	24	bank	bank	NOUN
easat-8097	444	25	systems	system	NOUN
easat-8097	444	26	,	,	PUNCT
easat-8097	444	27	vol	vol	NOUN
easat-8097	444	28	.	.	PROPN
easat-8097	444	29	19	19	NUM
easat-8097	444	30	,	,	PUNCT
easat-8097	444	31	no	no	INTJ
easat-8097	444	32	.	.	NOUN
easat-8097	444	33	1	1	NUM
easat-8097	444	34	,	,	PUNCT
easat-8097	444	35	pp	pp	ADJ
easat-8097	444	36	.	.	PUNCT
easat-8097	445	1	34–47	34–47	NUM
easat-8097	445	2	,	,	PUNCT
easat-8097	445	3	2024	2024	NUM
easat-8097	445	4	.	.	PUNCT
easat-8097	446	1	[	[	X
easat-8097	446	2	26	26	NUM
easat-8097	446	3	]	]	X
easat-8097	446	4	n.	n.	PROPN
easat-8097	446	5	t.	t.	PROPN
easat-8097	446	6	truong	truong	PROPN
easat-8097	446	7	,	,	PUNCT
easat-8097	446	8	t.	t.	PROPN
easat-8097	446	9	n.	n.	PROPN
easat-8097	446	10	h.	h.	PROPN
easat-8097	446	11	nguyen	nguyen	PROPN
easat-8097	446	12	,	,	PUNCT
easat-8097	446	13	and	and	CCONJ
easat-8097	446	14	t.	t.	PROPN
easat-8097	446	15	d.	d.	PROPN
easat-8097	446	16	nguyen	nguyen	PROPN
easat-8097	446	17	,	,	PUNCT
easat-8097	446	18	"	"	PUNCT
easat-8097	446	19	factors	factor	NOUN
easat-8097	446	20	affecting	affect	VERB
easat-8097	446	21	customers	customer	NOUN
easat-8097	446	22	’	’	PART
easat-8097	446	23	decision	decision	NOUN
easat-8097	446	24	to	to	PART
easat-8097	446	25	use	use	VERB
easat-8097	446	26	credit	credit	NOUN
easat-8097	446	27	cards	card	NOUN
easat-8097	446	28	at	at	ADP
easat-8097	446	29	vietnam	vietnam	PROPN
easat-8097	446	30	public	public	ADJ
easat-8097	446	31	joint	joint	ADJ
easat-8097	446	32	stock	stock	NOUN
easat-8097	446	33	commercial	commercial	ADJ
easat-8097	446	34	bank	bank	PROPN
easat-8097	446	35	–	–	PUNCT
easat-8097	446	36	ninh	ninh	PROPN
easat-8097	446	37	kieu	kieu	PROPN
easat-8097	446	38	branch	branch	NOUN
easat-8097	446	39	,	,	PUNCT
easat-8097	446	40	"	"	PUNCT
easat-8097	446	41	journal	journal	NOUN
easat-8097	446	42	of	of	ADP
easat-8097	446	43	scientific	scientific	ADJ
easat-8097	446	44	research	research	NOUN
easat-8097	446	45	and	and	CCONJ
easat-8097	446	46	economic	economic	ADJ
easat-8097	446	47	development	development	NOUN
easat-8097	446	48	,	,	PUNCT
easat-8097	446	49	tay	tay	PROPN
easat-8097	446	50	do	do	VERB
easat-8097	446	51	university	university	NOUN
easat-8097	446	52	,	,	PUNCT
easat-8097	446	53	vol	vol	NOUN
easat-8097	446	54	.	.	PROPN
easat-8097	447	1	14	14	NUM
easat-8097	447	2	,	,	PUNCT
easat-8097	447	3	pp	pp	ADJ
easat-8097	447	4	.	.	PUNCT
easat-8097	448	1	55–69	55–69	NUM
easat-8097	448	2	,	,	PUNCT
easat-8097	448	3	2022	2022	NUM
easat-8097	448	4	.	.	PUNCT
easat-8097	449	1	[	[	X
easat-8097	449	2	27	27	NUM
easat-8097	449	3	]	]	X
easat-8097	449	4	v.	v.	PROPN
easat-8097	449	5	d.	d.	PROPN
easat-8097	449	6	h.	h.	PROPN
easat-8097	449	7	quan	quan	PROPN
easat-8097	449	8	and	and	CCONJ
easat-8097	449	9	t.	t.	PROPN
easat-8097	449	10	h.	h.	PROPN
easat-8097	449	11	nam	nam	PROPN
easat-8097	449	12	,	,	PUNCT
easat-8097	449	13	"	"	PUNCT
easat-8097	449	14	developing	develop	VERB
easat-8097	449	15	credit	credit	NOUN
easat-8097	449	16	card	card	NOUN
easat-8097	449	17	market	market	NOUN
easat-8097	449	18	from	from	ADP
easat-8097	449	19	vietnamese	vietnamese	ADJ
easat-8097	449	20	consumers	consumer	NOUN
easat-8097	449	21	’	’	PART
easat-8097	449	22	perspective	perspective	NOUN
easat-8097	449	23	,	,	PUNCT
easat-8097	449	24	"	"	PUNCT
easat-8097	449	25	hcmcoujs	hcmcoujs	VERB
easat-8097	449	26	economics	economic	NOUN
easat-8097	449	27	and	and	CCONJ
easat-8097	449	28	business	business	NOUN
easat-8097	449	29	administration	administration	PROPN
easat-8097	449	30	,	,	PUNCT
easat-8097	449	31	vol	vol	NOUN
easat-8097	449	32	.	.	PROPN
easat-8097	449	33	7	7	NUM
easat-8097	449	34	,	,	PUNCT
easat-8097	449	35	no	no	INTJ
easat-8097	449	36	.	.	NOUN
easat-8097	449	37	1	1	NUM
easat-8097	449	38	,	,	PUNCT
easat-8097	449	39	pp	pp	ADJ
easat-8097	449	40	.	.	PUNCT
easat-8097	450	1	61	61	NUM
easat-8097	450	2	-	-	SYM
easat-8097	450	3	74	74	NUM
easat-8097	450	4	,	,	PUNCT
easat-8097	450	5	2017	2017	NUM
easat-8097	450	6	.	.	PUNCT
easat-8097	451	1	[	[	X
easat-8097	451	2	28	28	NUM
easat-8097	451	3	]	]	X
easat-8097	451	4	a.	a.	NOUN
easat-8097	451	5	phan	phan	PROPN
easat-8097	451	6	,	,	PUNCT
easat-8097	451	7	c.	c.	PROPN
easat-8097	451	8	h.	h.	PROPN
easat-8097	451	9	lu	lu	PROPN
easat-8097	451	10	,	,	PUNCT
easat-8097	451	11	and	and	CCONJ
easat-8097	451	12	p.	p.	NOUN
easat-8097	451	13	m.	m.	NOUN
easat-8097	451	14	nguyen	nguyen	PROPN
easat-8097	451	15	,	,	PUNCT
easat-8097	451	16	"	"	PUNCT
easat-8097	451	17	spending	spend	VERB
easat-8097	451	18	on	on	ADP
easat-8097	451	19	distribution	distribution	NOUN
easat-8097	451	20	information	information	NOUN
easat-8097	451	21	and	and	CCONJ
easat-8097	451	22	communication	communication	NOUN
easat-8097	451	23	technologies	technology	NOUN
easat-8097	451	24	and	and	CCONJ
easat-8097	451	25	cost	cost	NOUN
easat-8097	451	26	-	-	PUNCT
easat-8097	451	27	effective	effective	ADJ
easat-8097	451	28	operation	operation	NOUN
easat-8097	451	29	in	in	ADP
easat-8097	451	30	banks	bank	NOUN
easat-8097	451	31	,	,	PUNCT
easat-8097	451	32	"	"	PUNCT
easat-8097	451	33	journal	journal	NOUN
easat-8097	451	34	of	of	ADP
easat-8097	451	35	distribution	distribution	NOUN
easat-8097	451	36	science	science	NOUN
easat-8097	451	37	,	,	PUNCT
easat-8097	451	38	vol	vol	NOUN
easat-8097	451	39	.	.	PROPN
easat-8097	451	40	20	20	NUM
easat-8097	451	41	,	,	PUNCT
easat-8097	451	42	no	no	INTJ
easat-8097	451	43	.	.	NOUN
easat-8097	451	44	9	9	NUM
easat-8097	451	45	,	,	PUNCT
easat-8097	451	46	pp	pp	ADJ
easat-8097	451	47	.	.	PUNCT
easat-8097	452	1	11	11	NUM
easat-8097	452	2	-	-	SYM
easat-8097	452	3	21	21	NUM
easat-8097	452	4	,	,	PUNCT
easat-8097	452	5	2022	2022	NUM
easat-8097	452	6	.	.	PUNCT
easat-8097	453	1	[	[	X
easat-8097	453	2	29	29	NUM
easat-8097	453	3	]	]	X
easat-8097	453	4	n.	n.	PROPN
easat-8097	453	5	h.	h.	PROPN
easat-8097	453	6	trinh	trinh	PROPN
easat-8097	453	7	,	,	PUNCT
easat-8097	453	8	h.	h.	PROPN
easat-8097	453	9	h.	h.	PROPN
easat-8097	453	10	tran	tran	PROPN
easat-8097	453	11	,	,	PUNCT
easat-8097	453	12	and	and	CCONJ
easat-8097	453	13	q.	q.	PROPN
easat-8097	453	14	d.	d.	PROPN
easat-8097	453	15	h.	h.	PROPN
easat-8097	453	16	vuong	vuong	PROPN
easat-8097	453	17	,	,	PUNCT
easat-8097	453	18	"	"	PUNCT
easat-8097	453	19	perceived	perceive	VERB
easat-8097	453	20	risk	risk	NOUN
easat-8097	453	21	and	and	CCONJ
easat-8097	453	22	intention	intention	NOUN
easat-8097	453	23	to	to	PART
easat-8097	453	24	use	use	VERB
easat-8097	453	25	credit	credit	NOUN
easat-8097	453	26	cards	card	NOUN
easat-8097	453	27	:	:	PUNCT
easat-8097	453	28	a	a	DET
easat-8097	453	29	case	case	NOUN
easat-8097	453	30	study	study	NOUN
easat-8097	453	31	in	in	ADP
easat-8097	453	32	vietnam	vietnam	PROPN
easat-8097	453	33	,	,	PUNCT
easat-8097	453	34	"	"	PUNCT
easat-8097	453	35	the	the	DET
easat-8097	453	36	journal	journal	NOUN
easat-8097	453	37	of	of	ADP
easat-8097	453	38	asian	asian	ADJ
easat-8097	453	39	finance	finance	NOUN
easat-8097	453	40	,	,	PUNCT
easat-8097	453	41	economics	economic	NOUN
easat-8097	453	42	and	and	CCONJ
easat-8097	453	43	business	business	NOUN
easat-8097	453	44	,	,	PUNCT
easat-8097	453	45	vol	vol	NOUN
easat-8097	453	46	.	.	PROPN
easat-8097	453	47	8	8	NUM
easat-8097	453	48	,	,	PUNCT
easat-8097	453	49	no	no	INTJ
easat-8097	453	50	.	.	NOUN
easat-8097	453	51	4	4	NUM
easat-8097	453	52	,	,	PUNCT
easat-8097	453	53	pp	pp	ADJ
easat-8097	453	54	.	.	PUNCT
easat-8097	454	1	949	949	NUM
easat-8097	454	2	-	-	SYM
easat-8097	454	3	958	958	NUM
easat-8097	454	4	,	,	PUNCT
easat-8097	454	5	2021	2021	NUM
easat-8097	454	6	.	.	PUNCT
easat-8097	455	1	[	[	X
easat-8097	455	2	30	30	NUM
easat-8097	455	3	]	]	PUNCT
easat-8097	455	4	t.	t.	PROPN
easat-8097	455	5	n.	n.	PROPN
easat-8097	455	6	h.	h.	PROPN
easat-8097	455	7	nguyen	nguyen	PROPN
easat-8097	455	8	and	and	CCONJ
easat-8097	455	9	n.	n.	PROPN
easat-8097	455	10	t.	t.	PROPN
easat-8097	455	11	truong	truong	PROPN
easat-8097	455	12	,	,	PUNCT
easat-8097	455	13	"	"	PUNCT
easat-8097	455	14	factors	factor	NOUN
easat-8097	455	15	affecting	affect	VERB
easat-8097	455	16	customers	customer	NOUN
easat-8097	455	17	’	’	PART
easat-8097	455	18	decision	decision	NOUN
easat-8097	455	19	to	to	PART
easat-8097	455	20	use	use	VERB
easat-8097	455	21	credit	credit	NOUN
easat-8097	455	22	cards	card	NOUN
easat-8097	455	23	at	at	ADP
easat-8097	455	24	vietnam	vietnam	PROPN
easat-8097	455	25	public	public	ADJ
easat-8097	455	26	joint	joint	ADJ
easat-8097	455	27	stock	stock	NOUN
easat-8097	455	28	commercial	commercial	PROPN
easat-8097	455	29	bank	bank	NOUN
easat-8097	455	30	,	,	PUNCT
easat-8097	455	31	"	"	PUNCT
easat-8097	455	32	journal	journal	NOUN
easat-8097	455	33	of	of	ADP
easat-8097	455	34	scientific	scientific	ADJ
easat-8097	455	35	research	research	NOUN
easat-8097	455	36	and	and	CCONJ
easat-8097	455	37	economic	economic	ADJ
easat-8097	455	38	development	development	NOUN
easat-8097	455	39	,	,	PUNCT
easat-8097	455	40	tay	tay	PROPN
easat-8097	455	41	do	do	VERB
easat-8097	455	42	university	university	NOUN
easat-8097	455	43	,	,	PUNCT
easat-8097	455	44	vol	vol	NOUN
easat-8097	455	45	.	.	PROPN
easat-8097	455	46	14	14	NUM
easat-8097	455	47	,	,	PUNCT
easat-8097	455	48	pp	pp	ADJ
easat-8097	455	49	.	.	PUNCT
easat-8097	455	50	55–69	55–69	NUM
easat-8097	455	51	,	,	PUNCT
easat-8097	455	52	2022	2022	NUM
easat-8097	455	53	.	.	PUNCT
easat-8097	456	1	https://doi.org/10.33168/jliss.2024.0914	https://doi.org/10.33168/jliss.2024.0914	PROPN
easat-8097	456	2	https://doi.org/10.1108/sef-07-2024-0404	https://doi.org/10.1108/sef-07-2024-0404	PROPN
easat-8097	456	3	https://doi.org/10.15722/jds.20.08.202208.69	https://doi.org/10.15722/jds.20.08.202208.69	PROPN
easat-8097	456	4	https://doi.org/10.22495/cbsrv5i3art13	https://doi.org/10.22495/cbsrv5i3art13	PROPN
easat-8097	456	5	1232	1232	NUM
easat-8097	456	6	edelweiss	edelweiss	PROPN
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easat-8097	456	8	science	science	NOUN
easat-8097	456	9	and	and	CCONJ
easat-8097	456	10	technology	technology	NOUN
easat-8097	456	11	issn	issn	PROPN
easat-8097	456	12	:	:	PUNCT
easat-8097	456	13	2576	2576	NUM
easat-8097	456	14	-	-	SYM
easat-8097	456	15	8484	8484	NUM
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easat-8097	456	17	.	.	PROPN
easat-8097	457	1	9	9	NUM
easat-8097	457	2	,	,	PUNCT
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easat-8097	457	4	.	.	NOUN
easat-8097	457	5	6	6	NUM
easat-8097	457	6	:	:	SYM
easat-8097	457	7	1215	1215	NUM
easat-8097	457	8	-	-	SYM
easat-8097	457	9	1232	1232	NUM
easat-8097	457	10	,	,	PUNCT
easat-8097	457	11	2025	2025	NUM
easat-8097	457	12	doi	doi	NOUN
easat-8097	457	13	:	:	PUNCT
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easat-8097	457	15	©	©	PROPN
easat-8097	457	16	2025	2025	NUM
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easat-8097	457	18	the	the	DET
easat-8097	457	19	authors	author	NOUN
easat-8097	457	20	;	;	PUNCT
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easat-8097	457	23	gate	gate	NOUN
easat-8097	458	1	[	[	X
easat-8097	458	2	31	31	NUM
easat-8097	458	3	]	]	PUNCT
easat-8097	458	4	m.	m.	NOUN
easat-8097	458	5	p.	p.	NOUN
easat-8097	458	6	nguyen	nguyen	NOUN
easat-8097	458	7	,	,	PUNCT
easat-8097	458	8	"	"	PUNCT
easat-8097	458	9	enhancing	enhance	VERB
easat-8097	458	10	sustainable	sustainable	ADJ
easat-8097	458	11	development	development	NOUN
easat-8097	458	12	awareness	awareness	NOUN
easat-8097	458	13	in	in	ADP
easat-8097	458	14	vietnamese	vietnamese	ADJ
easat-8097	458	15	commercial	commercial	ADJ
easat-8097	458	16	banks	bank	NOUN
easat-8097	458	17	:	:	PUNCT
easat-8097	458	18	analyzing	analyze	VERB
easat-8097	458	19	environmental	environmental	ADJ
easat-8097	458	20	,	,	PUNCT
easat-8097	458	21	social	social	ADJ
easat-8097	458	22	,	,	PUNCT
easat-8097	458	23	and	and	CCONJ
easat-8097	458	24	governance	governance	NOUN
easat-8097	458	25	factors	factor	NOUN
easat-8097	458	26	,	,	PUNCT
easat-8097	458	27	"	"	PUNCT
easat-8097	458	28	pakistan	pakistan	PROPN
easat-8097	458	29	journal	journal	NOUN
easat-8097	458	30	of	of	ADP
easat-8097	458	31	life	life	NOUN
easat-8097	458	32	and	and	CCONJ
easat-8097	458	33	social	social	ADJ
easat-8097	458	34	sciences	science	NOUN
easat-8097	458	35	,	,	PUNCT
easat-8097	458	36	vol	vol	NOUN
easat-8097	458	37	.	.	PROPN
easat-8097	458	38	22	22	NUM
easat-8097	458	39	,	,	PUNCT
easat-8097	458	40	no	no	INTJ
easat-8097	458	41	.	.	NOUN
easat-8097	458	42	2	2	NUM
easat-8097	458	43	,	,	PUNCT
easat-8097	458	44	pp	pp	ADJ
easat-8097	458	45	.	.	PUNCT
easat-8097	459	1	1	1	NUM
easat-8097	459	2	-	-	SYM
easat-8097	459	3	13	13	NUM
easat-8097	459	4	,	,	PUNCT
easat-8097	459	5	2024	2024	NUM
easat-8097	459	6	.	.	PUNCT
easat-8097	460	1	https://doi.org/10.57239/pjlss-2024-22.2.001281	https://doi.org/10.57239/pjlss-2024-22.2.001281	NUM
easat-8097	460	2	[	[	SYM
easat-8097	460	3	32	32	NUM
easat-8097	460	4	]	]	PUNCT
easat-8097	460	5	j.	j.	PROPN
easat-8097	460	6	dawes	dawes	PROPN
easat-8097	460	7	,	,	PUNCT
easat-8097	460	8	"	"	PUNCT
easat-8097	460	9	do	do	AUX
easat-8097	460	10	data	data	NOUN
easat-8097	460	11	characteristics	characteristic	NOUN
easat-8097	460	12	change	change	NOUN
easat-8097	460	13	according	accord	VERB
easat-8097	460	14	to	to	ADP
easat-8097	460	15	the	the	DET
easat-8097	460	16	number	number	NOUN
easat-8097	460	17	of	of	ADP
easat-8097	460	18	scale	scale	NOUN
easat-8097	460	19	points	point	NOUN
easat-8097	460	20	used	use	VERB
easat-8097	460	21	?	?	PUNCT
easat-8097	461	1	an	an	DET
easat-8097	461	2	experiment	experiment	NOUN
easat-8097	461	3	using	use	VERB
easat-8097	461	4	5point	5point	NUM
easat-8097	461	5	,	,	PUNCT
easat-8097	461	6	7	7	NUM
easat-8097	461	7	-	-	PUNCT
easat-8097	461	8	point	point	NOUN
easat-8097	461	9	and	and	CCONJ
easat-8097	461	10	10	10	NUM
easat-8097	461	11	-	-	PUNCT
easat-8097	461	12	point	point	NOUN
easat-8097	461	13	scales	scale	NOUN
easat-8097	461	14	,	,	PUNCT
easat-8097	461	15	"	"	PUNCT
easat-8097	461	16	international	international	ADJ
easat-8097	461	17	journal	journal	NOUN
easat-8097	461	18	of	of	ADP
easat-8097	461	19	market	market	NOUN
easat-8097	461	20	research	research	NOUN
easat-8097	461	21	,	,	PUNCT
easat-8097	461	22	vol	vol	NOUN
easat-8097	461	23	.	.	PROPN
easat-8097	461	24	50	50	NUM
easat-8097	461	25	,	,	PUNCT
easat-8097	461	26	no	no	INTJ
easat-8097	461	27	.	.	NOUN
easat-8097	461	28	1	1	NUM
easat-8097	461	29	,	,	PUNCT
easat-8097	461	30	pp	pp	ADJ
easat-8097	461	31	.	.	PUNCT
easat-8097	462	1	61	61	NUM
easat-8097	462	2	-	-	SYM
easat-8097	462	3	104	104	NUM
easat-8097	462	4	,	,	PUNCT
easat-8097	462	5	2008	2008	NUM
easat-8097	462	6	.	.	PUNCT
easat-8097	463	1	[	[	X
easat-8097	463	2	33	33	NUM
easat-8097	463	3	]	]	PUNCT
easat-8097	463	4	m.	m.	NOUN
easat-8097	463	5	a.	a.	PROPN
easat-8097	463	6	revilla	revilla	PROPN
easat-8097	463	7	,	,	PUNCT
easat-8097	463	8	w.	w.	PROPN
easat-8097	463	9	e.	e.	PROPN
easat-8097	463	10	saris	saris	PROPN
easat-8097	463	11	,	,	PUNCT
easat-8097	463	12	and	and	CCONJ
easat-8097	463	13	j.	j.	PROPN
easat-8097	463	14	a.	a.	PROPN
easat-8097	463	15	krosnick	krosnick	PROPN
easat-8097	463	16	,	,	PUNCT
easat-8097	463	17	"	"	PUNCT
easat-8097	463	18	choosing	choose	VERB
easat-8097	463	19	the	the	DET
easat-8097	463	20	number	number	NOUN
easat-8097	463	21	of	of	ADP
easat-8097	463	22	categories	category	NOUN
easat-8097	463	23	in	in	ADP
easat-8097	463	24	agree	agree	NOUN
easat-8097	463	25	–	–	PUNCT
easat-8097	463	26	disagree	disagree	VERB
easat-8097	463	27	scales	scale	NOUN
easat-8097	463	28	,	,	PUNCT
easat-8097	463	29	"	"	PUNCT
easat-8097	463	30	sociological	sociological	ADJ
easat-8097	463	31	methods	method	NOUN
easat-8097	463	32	&	&	CCONJ
easat-8097	463	33	research	research	NOUN
easat-8097	463	34	,	,	PUNCT
easat-8097	463	35	vol	vol	NOUN
easat-8097	463	36	.	.	PROPN
easat-8097	463	37	43	43	NUM
easat-8097	463	38	,	,	PUNCT
easat-8097	463	39	no	no	INTJ
easat-8097	463	40	.	.	NOUN
easat-8097	463	41	1	1	NUM
easat-8097	463	42	,	,	PUNCT
easat-8097	463	43	pp	pp	ADJ
easat-8097	463	44	.	.	PUNCT
easat-8097	464	1	73	73	NUM
easat-8097	464	2	-	-	SYM
easat-8097	464	3	97	97	NUM
easat-8097	464	4	,	,	PUNCT
easat-8097	464	5	2014	2014	NUM
easat-8097	464	6	.	.	PUNCT
easat-8097	465	1	[	[	X
easat-8097	465	2	34	34	NUM
easat-8097	465	3	]	]	X
easat-8097	465	4	j.	j.	PROPN
easat-8097	465	5	c.	c.	PROPN
easat-8097	465	6	nunnally	nunnally	PROPN
easat-8097	465	7	,	,	PUNCT
easat-8097	465	8	an	an	DET
easat-8097	465	9	overview	overview	NOUN
easat-8097	465	10	of	of	ADP
easat-8097	465	11	psychological	psychological	ADJ
easat-8097	465	12	measurement	measurement	NOUN
easat-8097	465	13	.	.	PUNCT
easat-8097	466	1	in	in	ADP
easat-8097	466	2	p.	p.	PROPN
easat-8097	466	3	mcreynolds	mcreynolds	PROPN
easat-8097	466	4	(	(	PUNCT
easat-8097	466	5	ed	ed	NOUN
easat-8097	466	6	.	.	PUNCT
easat-8097	466	7	)	)	PUNCT
easat-8097	466	8	,	,	PUNCT
easat-8097	466	9	the	the	DET
easat-8097	466	10	handbook	handbook	NOUN
easat-8097	466	11	of	of	ADP
easat-8097	466	12	clinical	clinical	ADJ
easat-8097	466	13	diagnosis	diagnosis	NOUN
easat-8097	466	14	and	and	CCONJ
easat-8097	466	15	mental	mental	ADJ
easat-8097	466	16	disorders	disorder	NOUN
easat-8097	466	17	.	.	PUNCT
easat-8097	467	1	new	new	PROPN
easat-8097	467	2	york	york	PROPN
easat-8097	467	3	,	,	PUNCT
easat-8097	467	4	usa	usa	PROPN
easat-8097	467	5	:	:	PUNCT
easat-8097	467	6	mcgraw	mcgraw	PROPN
easat-8097	467	7	-	-	PUNCT
easat-8097	467	8	hill	hill	NOUN
easat-8097	467	9	,	,	PUNCT
easat-8097	467	10	1978	1978	NUM
easat-8097	467	11	.	.	PUNCT
easat-8097	468	1	[	[	X
easat-8097	468	2	35	35	NUM
easat-8097	468	3	]	]	X
easat-8097	468	4	h.	h.	PROPN
easat-8097	468	5	f.	f.	PROPN
easat-8097	468	6	kaiser	kaiser	PROPN
easat-8097	468	7	,	,	PUNCT
easat-8097	468	8	"	"	PUNCT
easat-8097	468	9	the	the	DET
easat-8097	468	10	application	application	NOUN
easat-8097	468	11	of	of	ADP
easat-8097	468	12	electronic	electronic	ADJ
easat-8097	468	13	computers	computer	NOUN
easat-8097	468	14	to	to	PART
easat-8097	468	15	factor	factor	VERB
easat-8097	468	16	analysis	analysis	NOUN
easat-8097	468	17	,	,	PUNCT
easat-8097	468	18	"	"	PUNCT
easat-8097	468	19	educational	educational	ADJ
easat-8097	468	20	and	and	CCONJ
easat-8097	468	21	psychological	psychological	ADJ
easat-8097	468	22	measurement	measurement	NOUN
easat-8097	468	23	,	,	PUNCT
easat-8097	468	24	vol	vol	NOUN
easat-8097	468	25	.	.	PROPN
easat-8097	468	26	20	20	NUM
easat-8097	468	27	,	,	PUNCT
easat-8097	468	28	no	no	INTJ
easat-8097	468	29	.	.	NOUN
easat-8097	468	30	1	1	NUM
easat-8097	468	31	,	,	PUNCT
easat-8097	468	32	pp	pp	ADJ
easat-8097	468	33	.	.	PUNCT
easat-8097	469	1	141	141	NUM
easat-8097	469	2	-	-	SYM
easat-8097	469	3	151	151	NUM
easat-8097	469	4	,	,	PUNCT
easat-8097	469	5	1960	1960	NUM
easat-8097	469	6	.	.	PUNCT
easat-8097	470	1	[	[	X
easat-8097	470	2	36	36	NUM
easat-8097	470	3	]	]	PUNCT
easat-8097	470	4	m.	m.	PROPN
easat-8097	470	5	s.	s.	PROPN
easat-8097	470	6	bartlett	bartlett	PROPN
easat-8097	470	7	,	,	PUNCT
easat-8097	470	8	"	"	PUNCT
easat-8097	470	9	a	a	DET
easat-8097	470	10	note	note	NOUN
easat-8097	470	11	on	on	ADP
easat-8097	470	12	the	the	DET
easat-8097	470	13	multiplying	multiply	VERB
easat-8097	470	14	factors	factor	NOUN
easat-8097	470	15	for	for	ADP
easat-8097	470	16	various	various	ADJ
easat-8097	470	17	χ	χ	DET
easat-8097	470	18	2	2	NUM
easat-8097	470	19	approximations	approximation	NOUN
easat-8097	470	20	,	,	PUNCT
easat-8097	470	21	"	"	PUNCT
easat-8097	470	22	journal	journal	NOUN
easat-8097	470	23	of	of	ADP
easat-8097	470	24	the	the	DET
easat-8097	470	25	royal	royal	ADJ
easat-8097	470	26	statistical	statistical	ADJ
easat-8097	470	27	society	society	NOUN
easat-8097	470	28	.	.	PUNCT
easat-8097	471	1	series	series	PROPN
easat-8097	471	2	b	b	PROPN
easat-8097	471	3	(	(	PUNCT
easat-8097	471	4	methodological	methodological	ADJ
easat-8097	471	5	)	)	PUNCT
easat-8097	471	6	,	,	PUNCT
easat-8097	471	7	pp	pp	PROPN
easat-8097	471	8	.	.	PUNCT
easat-8097	472	1	296	296	NUM
easat-8097	472	2	-	-	SYM
easat-8097	472	3	298	298	NUM
easat-8097	472	4	,	,	PUNCT
easat-8097	472	5	1954	1954	NUM
easat-8097	472	6	.	.	PUNCT
easat-8097	473	1	https://doi.org/10.57239/pjlss-2024-22.2.001281	https://doi.org/10.57239/pjlss-2024-22.2.001281	NUM