id	sid	tid	token	lemma	pos
easat-8176	1	1	edelweiss	edelweiss	PROPN
easat-8176	1	2	applied	apply	VERB
easat-8176	1	3	science	science	NOUN
easat-8176	1	4	and	and	CCONJ
easat-8176	1	5	technology	technology	NOUN
easat-8176	1	6	issn	issn	PROPN
easat-8176	1	7	:	:	PUNCT
easat-8176	1	8	2576	2576	NUM
easat-8176	1	9	-	-	SYM
easat-8176	1	10	8484	8484	NUM
easat-8176	1	11	vol	vol	NOUN
easat-8176	1	12	.	.	PROPN
easat-8176	2	1	9	9	NUM
easat-8176	2	2	,	,	PUNCT
easat-8176	2	3	no	no	INTJ
easat-8176	2	4	.	.	NOUN
easat-8176	2	5	6	6	NUM
easat-8176	2	6	,	,	PUNCT
easat-8176	2	7	1490	1490	NUM
easat-8176	2	8	-	-	SYM
easat-8176	2	9	1502	1502	NUM
easat-8176	2	10	2025	2025	NUM
easat-8176	2	11	publisher	publisher	NOUN
easat-8176	2	12	:	:	PUNCT
easat-8176	2	13	learning	learn	VERB
easat-8176	2	14	gate	gate	NOUN
easat-8176	2	15	doi	doi	PROPN
easat-8176	2	16	:	:	PUNCT
easat-8176	2	17	10.55214/25768484.v9i6.8176	10.55214/25768484.v9i6.8176	PROPN
easat-8176	2	18	©	©	PROPN
easat-8176	2	19	2025	2025	NUM
easat-8176	2	20	by	by	ADP
easat-8176	2	21	the	the	DET
easat-8176	2	22	authors	author	NOUN
easat-8176	2	23	;	;	PUNCT
easat-8176	2	24	licensee	licensee	PROPN
easat-8176	2	25	learning	learning	NOUN
easat-8176	2	26	gate	gate	NOUN
easat-8176	3	1	©	©	PROPN
easat-8176	3	2	2025	2025	NUM
easat-8176	3	3	by	by	ADP
easat-8176	3	4	the	the	DET
easat-8176	3	5	authors	author	NOUN
easat-8176	3	6	;	;	PUNCT
easat-8176	3	7	licensee	licensee	PROPN
easat-8176	3	8	learning	learning	NOUN
easat-8176	3	9	gate	gate	NOUN
easat-8176	3	10	history	history	NOUN
easat-8176	3	11	:	:	PUNCT
easat-8176	3	12	received	receive	VERB
easat-8176	3	13	:	:	PUNCT
easat-8176	3	14	7	7	NUM
easat-8176	3	15	april	april	PROPN
easat-8176	3	16	2025	2025	NUM
easat-8176	3	17	;	;	PUNCT
easat-8176	3	18	revised	revise	VERB
easat-8176	3	19	:	:	PUNCT
easat-8176	3	20	5	5	NUM
easat-8176	3	21	june	june	PROPN
easat-8176	3	22	2025	2025	NUM
easat-8176	3	23	;	;	PUNCT
easat-8176	3	24	accepted	accept	VERB
easat-8176	3	25	:	:	PUNCT
easat-8176	3	26	10	10	NUM
easat-8176	3	27	june	june	PROPN
easat-8176	3	28	2025	2025	NUM
easat-8176	3	29	;	;	PUNCT
easat-8176	3	30	published	publish	VERB
easat-8176	3	31	:	:	PUNCT
easat-8176	3	32	18	18	NUM
easat-8176	3	33	june	june	PROPN
easat-8176	3	34	2025	2025	NUM
easat-8176	3	35	*	*	PUNCT
easat-8176	3	36	correspondence	correspondence	NOUN
easat-8176	3	37	:	:	PUNCT
easat-8176	3	38	tknga@tdu.edu.vn	tknga@tdu.edu.vn	ADJ
easat-8176	3	39	factors	factor	NOUN
easat-8176	3	40	affecting	affect	VERB
easat-8176	3	41	individual	individual	ADJ
easat-8176	3	42	customers	customer	NOUN
easat-8176	3	43	'	'	PART
easat-8176	3	44	intention	intention	NOUN
easat-8176	3	45	to	to	PART
easat-8176	3	46	use	use	VERB
easat-8176	3	47	nfc	nfc	NOUN
easat-8176	3	48	mobile	mobile	ADJ
easat-8176	3	49	payment	payment	NOUN
easat-8176	3	50	services	service	NOUN
easat-8176	3	51	in	in	ADP
easat-8176	3	52	ho	ho	PROPN
easat-8176	3	53	chi	chi	PROPN
easat-8176	3	54	minh	minh	PROPN
easat-8176	3	55	city	city	PROPN
easat-8176	3	56	tran	tran	PROPN
easat-8176	3	57	kieu	kieu	PROPN
easat-8176	3	58	nga1	nga1	PROPN
easat-8176	3	59	*	*	PROPN
easat-8176	3	60	,	,	PUNCT
easat-8176	3	61	le	le	PROPN
easat-8176	3	62	tu	tu	PROPN
easat-8176	3	63	anh2	anh2	PROPN
easat-8176	3	64	1,2finance	1,2finance	NUM
easat-8176	3	65	and	and	CCONJ
easat-8176	3	66	banking	banking	NOUN
easat-8176	3	67	department	department	NOUN
easat-8176	3	68	at	at	ADP
easat-8176	3	69	tay	tay	PROPN
easat-8176	3	70	do	do	VERB
easat-8176	3	71	university	university	NOUN
easat-8176	3	72	,	,	PUNCT
easat-8176	3	73	can	can	AUX
easat-8176	3	74	tho	tho	PROPN
easat-8176	3	75	city	city	PROPN
easat-8176	3	76	,	,	PUNCT
easat-8176	3	77	vietnam	vietnam	PROPN
easat-8176	3	78	;	;	PUNCT
easat-8176	3	79	tknga@tdu.edu.vn	tknga@tdu.edu.vn	NOUN
easat-8176	3	80	(	(	PUNCT
easat-8176	3	81	t.k.n	t.k.n	PROPN
easat-8176	3	82	.	.	PUNCT
easat-8176	3	83	)	)	PUNCT
easat-8176	3	84	.	.	PUNCT
easat-8176	4	1	abstract	abstract	ADV
easat-8176	4	2	:	:	PUNCT
easat-8176	4	3	this	this	DET
easat-8176	4	4	study	study	NOUN
easat-8176	4	5	aims	aim	VERB
easat-8176	4	6	to	to	PART
easat-8176	4	7	identify	identify	VERB
easat-8176	4	8	the	the	DET
easat-8176	4	9	key	key	ADJ
easat-8176	4	10	factors	factor	NOUN
easat-8176	4	11	influencing	influence	VERB
easat-8176	4	12	the	the	DET
easat-8176	4	13	intention	intention	NOUN
easat-8176	4	14	to	to	PART
easat-8176	4	15	adopt	adopt	VERB
easat-8176	4	16	mobile	mobile	ADJ
easat-8176	4	17	payments	payment	NOUN
easat-8176	4	18	using	use	VERB
easat-8176	4	19	nfc	nfc	NOUN
easat-8176	4	20	technology	technology	NOUN
easat-8176	4	21	among	among	ADP
easat-8176	4	22	individual	individual	ADJ
easat-8176	4	23	users	user	NOUN
easat-8176	4	24	in	in	ADP
easat-8176	4	25	ho	ho	PROPN
easat-8176	4	26	chi	chi	PROPN
easat-8176	4	27	minh	minh	PROPN
easat-8176	4	28	city	city	PROPN
easat-8176	4	29	.	.	PUNCT
easat-8176	5	1	the	the	DET
easat-8176	5	2	research	research	NOUN
easat-8176	5	3	design	design	NOUN
easat-8176	5	4	includes	include	VERB
easat-8176	5	5	two	two	NUM
easat-8176	5	6	phases	phase	NOUN
easat-8176	5	7	:	:	PUNCT
easat-8176	5	8	qualitative	qualitative	ADJ
easat-8176	5	9	and	and	CCONJ
easat-8176	5	10	quantitative	quantitative	ADJ
easat-8176	5	11	.	.	PUNCT
easat-8176	6	1	the	the	DET
easat-8176	6	2	qualitative	qualitative	ADJ
easat-8176	6	3	phase	phase	NOUN
easat-8176	6	4	was	be	AUX
easat-8176	6	5	conducted	conduct	VERB
easat-8176	6	6	through	through	ADP
easat-8176	6	7	expert	expert	NOUN
easat-8176	6	8	consultation	consultation	NOUN
easat-8176	6	9	to	to	PART
easat-8176	6	10	refine	refine	VERB
easat-8176	6	11	the	the	DET
easat-8176	6	12	scales	scale	NOUN
easat-8176	6	13	,	,	PUNCT
easat-8176	6	14	ensuring	ensure	VERB
easat-8176	6	15	their	their	PRON
easat-8176	6	16	relevance	relevance	NOUN
easat-8176	6	17	and	and	CCONJ
easat-8176	6	18	understandability	understandability	NOUN
easat-8176	6	19	.	.	PUNCT
easat-8176	7	1	the	the	DET
easat-8176	7	2	quantitative	quantitative	ADJ
easat-8176	7	3	phase	phase	NOUN
easat-8176	7	4	used	use	VERB
easat-8176	7	5	an	an	DET
easat-8176	7	6	online	online	ADJ
easat-8176	7	7	questionnaire	questionnaire	NOUN
easat-8176	7	8	,	,	PUNCT
easat-8176	7	9	based	base	VERB
easat-8176	7	10	on	on	ADP
easat-8176	7	11	validated	validate	VERB
easat-8176	7	12	scales	scale	NOUN
easat-8176	7	13	from	from	ADP
easat-8176	7	14	previous	previous	ADJ
easat-8176	7	15	studies	study	NOUN
easat-8176	7	16	,	,	PUNCT
easat-8176	7	17	to	to	PART
easat-8176	7	18	survey	survey	VERB
easat-8176	7	19	385	385	NUM
easat-8176	7	20	people	people	NOUN
easat-8176	7	21	aged	age	VERB
easat-8176	7	22	18	18	NUM
easat-8176	7	23	to	to	ADP
easat-8176	7	24	55	55	NUM
easat-8176	7	25	who	who	PRON
easat-8176	7	26	were	be	AUX
easat-8176	7	27	technologically	technologically	ADV
easat-8176	7	28	savvy	savvy	ADJ
easat-8176	7	29	and	and	CCONJ
easat-8176	7	30	familiar	familiar	ADJ
easat-8176	7	31	with	with	ADP
easat-8176	7	32	digital	digital	ADJ
easat-8176	7	33	financial	financial	ADJ
easat-8176	7	34	services	service	NOUN
easat-8176	7	35	.	.	PUNCT
easat-8176	8	1	data	datum	NOUN
easat-8176	8	2	analysis	analysis	NOUN
easat-8176	8	3	focused	focus	VERB
easat-8176	8	4	on	on	ADP
easat-8176	8	5	six	six	NUM
easat-8176	8	6	factors	factor	NOUN
easat-8176	8	7	:	:	PUNCT
easat-8176	8	8	trust	trust	NOUN
easat-8176	8	9	,	,	PUNCT
easat-8176	8	10	perceived	perceive	VERB
easat-8176	8	11	ease	ease	NOUN
easat-8176	8	12	of	of	ADP
easat-8176	8	13	use	use	NOUN
easat-8176	8	14	,	,	PUNCT
easat-8176	8	15	perceived	perceive	VERB
easat-8176	8	16	usefulness	usefulness	NOUN
easat-8176	8	17	,	,	PUNCT
easat-8176	8	18	social	social	ADJ
easat-8176	8	19	influence	influence	NOUN
easat-8176	8	20	,	,	PUNCT
easat-8176	8	21	technology	technology	NOUN
easat-8176	8	22	readiness	readiness	NOUN
easat-8176	8	23	,	,	PUNCT
easat-8176	8	24	and	and	CCONJ
easat-8176	8	25	service	service	NOUN
easat-8176	8	26	quality	quality	NOUN
easat-8176	8	27	.	.	PUNCT
easat-8176	9	1	the	the	DET
easat-8176	9	2	results	result	NOUN
easat-8176	9	3	showed	show	VERB
easat-8176	9	4	that	that	SCONJ
easat-8176	9	5	all	all	PRON
easat-8176	9	6	of	of	ADP
easat-8176	9	7	these	these	DET
easat-8176	9	8	factors	factor	NOUN
easat-8176	9	9	had	have	VERB
easat-8176	9	10	a	a	DET
easat-8176	9	11	positive	positive	ADJ
easat-8176	9	12	and	and	CCONJ
easat-8176	9	13	significant	significant	ADJ
easat-8176	9	14	impact	impact	NOUN
easat-8176	9	15	on	on	ADP
easat-8176	9	16	the	the	DET
easat-8176	9	17	intention	intention	NOUN
easat-8176	9	18	to	to	PART
easat-8176	9	19	use	use	VERB
easat-8176	9	20	nfc	nfc	NOUN
easat-8176	9	21	technology	technology	NOUN
easat-8176	9	22	,	,	PUNCT
easat-8176	9	23	with	with	ADP
easat-8176	9	24	trust	trust	NOUN
easat-8176	9	25	and	and	CCONJ
easat-8176	9	26	social	social	ADJ
easat-8176	9	27	influence	influence	NOUN
easat-8176	9	28	being	be	AUX
easat-8176	9	29	the	the	DET
easat-8176	9	30	two	two	NUM
easat-8176	9	31	most	most	ADV
easat-8176	9	32	influential	influential	ADJ
easat-8176	9	33	factors	factor	NOUN
easat-8176	9	34	.	.	PUNCT
easat-8176	10	1	the	the	DET
easat-8176	10	2	study	study	NOUN
easat-8176	10	3	provides	provide	VERB
easat-8176	10	4	important	important	ADJ
easat-8176	10	5	practical	practical	ADJ
easat-8176	10	6	implications	implication	NOUN
easat-8176	10	7	for	for	ADP
easat-8176	10	8	businesses	business	NOUN
easat-8176	10	9	,	,	PUNCT
easat-8176	10	10	financial	financial	ADJ
easat-8176	10	11	institutions	institution	NOUN
easat-8176	10	12	,	,	PUNCT
easat-8176	10	13	and	and	CCONJ
easat-8176	10	14	policymakers	policymaker	NOUN
easat-8176	10	15	in	in	ADP
easat-8176	10	16	developing	develop	VERB
easat-8176	10	17	strategies	strategy	NOUN
easat-8176	10	18	to	to	PART
easat-8176	10	19	promote	promote	VERB
easat-8176	10	20	digital	digital	ADJ
easat-8176	10	21	payments	payment	NOUN
easat-8176	10	22	in	in	ADP
easat-8176	10	23	vietnam	vietnam	PROPN
easat-8176	10	24	.	.	PUNCT
easat-8176	11	1	keywords	keyword	NOUN
easat-8176	11	2	:	:	PUNCT
easat-8176	11	3	factor	factor	NOUN
easat-8176	11	4	analysis	analysis	NOUN
easat-8176	11	5	,	,	PUNCT
easat-8176	11	6	ho	ho	PROPN
easat-8176	11	7	chi	chi	PROPN
easat-8176	11	8	minh	minh	PROPN
easat-8176	11	9	city	city	PROPN
easat-8176	11	10	,	,	PUNCT
easat-8176	11	11	individual	individual	ADJ
easat-8176	11	12	consumers	consumer	NOUN
easat-8176	11	13	,	,	PUNCT
easat-8176	11	14	nfc	nfc	NOUN
easat-8176	11	15	mobile	mobile	ADJ
easat-8176	11	16	payments	payment	NOUN
easat-8176	11	17	.	.	PUNCT
easat-8176	12	1	1	1	X
easat-8176	12	2	.	.	X
easat-8176	12	3	introduction	introduction	NOUN
easat-8176	12	4	the	the	DET
easat-8176	12	5	development	development	NOUN
easat-8176	12	6	of	of	ADP
easat-8176	12	7	digital	digital	ADJ
easat-8176	12	8	technologies	technology	NOUN
easat-8176	12	9	has	have	AUX
easat-8176	12	10	fundamentally	fundamentally	ADV
easat-8176	12	11	reshaped	reshape	VERB
easat-8176	12	12	financial	financial	ADJ
easat-8176	12	13	services	service	NOUN
easat-8176	12	14	,	,	PUNCT
easat-8176	12	15	driving	drive	VERB
easat-8176	12	16	a	a	DET
easat-8176	12	17	global	global	ADJ
easat-8176	12	18	transition	transition	NOUN
easat-8176	12	19	from	from	ADP
easat-8176	12	20	conventional	conventional	ADJ
easat-8176	12	21	cash	cash	NOUN
easat-8176	12	22	-	-	PUNCT
easat-8176	12	23	based	base	VERB
easat-8176	12	24	transactions	transaction	NOUN
easat-8176	12	25	to	to	ADP
easat-8176	12	26	digital	digital	ADJ
easat-8176	12	27	alternatives	alternative	NOUN
easat-8176	12	28	,	,	PUNCT
easat-8176	12	29	including	include	VERB
easat-8176	12	30	mobile	mobile	NOUN
easat-8176	12	31	and	and	CCONJ
easat-8176	12	32	contactless	contactless	ADJ
easat-8176	12	33	payment	payment	NOUN
easat-8176	12	34	solutions	solution	NOUN
easat-8176	12	35	.	.	PUNCT
easat-8176	13	1	among	among	ADP
easat-8176	13	2	these	these	DET
easat-8176	13	3	innovations	innovation	NOUN
easat-8176	13	4	,	,	PUNCT
easat-8176	13	5	nfc	nfc	NOUN
easat-8176	13	6	technology	technology	NOUN
easat-8176	13	7	has	have	AUX
easat-8176	13	8	emerged	emerge	VERB
easat-8176	13	9	as	as	ADP
easat-8176	13	10	a	a	DET
easat-8176	13	11	significant	significant	ADJ
easat-8176	13	12	enabler	enabler	NOUN
easat-8176	13	13	of	of	ADP
easat-8176	13	14	secure	secure	ADJ
easat-8176	13	15	,	,	PUNCT
easat-8176	13	16	rapid	rapid	ADJ
easat-8176	13	17	,	,	PUNCT
easat-8176	13	18	and	and	CCONJ
easat-8176	13	19	seamless	seamless	ADJ
easat-8176	13	20	short	short	ADJ
easat-8176	13	21	-	-	PUNCT
easat-8176	13	22	range	range	NOUN
easat-8176	13	23	transactions	transaction	NOUN
easat-8176	13	24	[	[	X
easat-8176	13	25	1	1	NUM
easat-8176	13	26	]	]	PUNCT
easat-8176	13	27	.	.	PUNCT
easat-8176	14	1	in	in	ADP
easat-8176	14	2	vietnam	vietnam	PROPN
easat-8176	14	3	,	,	PUNCT
easat-8176	14	4	the	the	DET
easat-8176	14	5	momentum	momentum	NOUN
easat-8176	14	6	of	of	ADP
easat-8176	14	7	digital	digital	ADJ
easat-8176	14	8	transformation	transformation	NOUN
easat-8176	14	9	is	be	AUX
easat-8176	14	10	particularly	particularly	ADV
easat-8176	14	11	noticeable	noticeable	ADJ
easat-8176	14	12	in	in	ADP
easat-8176	14	13	urban	urban	ADJ
easat-8176	14	14	centers	center	NOUN
easat-8176	14	15	like	like	ADP
easat-8176	14	16	ho	ho	PROPN
easat-8176	14	17	chi	chi	PROPN
easat-8176	14	18	minh	minh	PROPN
easat-8176	14	19	city	city	PROPN
easat-8176	14	20	.	.	PUNCT
easat-8176	15	1	this	this	DET
easat-8176	15	2	trend	trend	NOUN
easat-8176	15	3	has	have	AUX
easat-8176	15	4	been	be	AUX
easat-8176	15	5	further	far	ADV
easat-8176	15	6	propelled	propel	VERB
easat-8176	15	7	by	by	ADP
easat-8176	15	8	governmental	governmental	ADJ
easat-8176	15	9	efforts	effort	NOUN
easat-8176	15	10	to	to	PART
easat-8176	15	11	promote	promote	VERB
easat-8176	15	12	digital	digital	ADJ
easat-8176	15	13	finance	finance	NOUN
easat-8176	15	14	and	and	CCONJ
easat-8176	15	15	enhance	enhance	VERB
easat-8176	15	16	financial	financial	ADJ
easat-8176	15	17	accessibility	accessibility	NOUN
easat-8176	15	18	.	.	PUNCT
easat-8176	16	1	despite	despite	SCONJ
easat-8176	16	2	these	these	DET
easat-8176	16	3	developments	development	NOUN
easat-8176	16	4	,	,	PUNCT
easat-8176	16	5	nfc	nfc	NOUN
easat-8176	16	6	mobile	mobile	ADJ
easat-8176	16	7	payment	payment	NOUN
easat-8176	16	8	uptake	uptake	NOUN
easat-8176	16	9	remains	remain	VERB
easat-8176	16	10	limited	limited	ADJ
easat-8176	16	11	.	.	PUNCT
easat-8176	17	1	concerns	concern	NOUN
easat-8176	17	2	over	over	ADP
easat-8176	17	3	data	datum	NOUN
easat-8176	17	4	security	security	NOUN
easat-8176	17	5	and	and	CCONJ
easat-8176	17	6	privacy	privacy	NOUN
easat-8176	17	7	,	,	PUNCT
easat-8176	17	8	particularly	particularly	ADV
easat-8176	17	9	among	among	ADP
easat-8176	17	10	digitally	digitally	ADV
easat-8176	17	11	less	less	ADV
easat-8176	17	12	literate	literate	ADJ
easat-8176	17	13	populations	population	NOUN
easat-8176	17	14	,	,	PUNCT
easat-8176	17	15	contribute	contribute	VERB
easat-8176	17	16	to	to	ADP
easat-8176	17	17	consumer	consumer	NOUN
easat-8176	17	18	hesitation	hesitation	NOUN
easat-8176	17	19	[	[	X
easat-8176	17	20	2	2	NUM
easat-8176	17	21	]	]	PUNCT
easat-8176	17	22	.	.	PUNCT
easat-8176	18	1	technological	technological	ADJ
easat-8176	18	2	unfamiliarity	unfamiliarity	NOUN
easat-8176	18	3	,	,	PUNCT
easat-8176	18	4	especially	especially	ADV
easat-8176	18	5	among	among	ADP
easat-8176	18	6	older	old	ADJ
easat-8176	18	7	users	user	NOUN
easat-8176	18	8	and	and	CCONJ
easat-8176	18	9	lower	low	ADJ
easat-8176	18	10	-	-	PUNCT
easat-8176	18	11	income	income	NOUN
easat-8176	18	12	groups	group	NOUN
easat-8176	18	13	,	,	PUNCT
easat-8176	18	14	also	also	ADV
easat-8176	18	15	acts	act	VERB
easat-8176	18	16	as	as	ADP
easat-8176	18	17	a	a	DET
easat-8176	18	18	barrier	barrier	NOUN
easat-8176	18	19	[	[	X
easat-8176	18	20	3	3	NUM
easat-8176	18	21	]	]	PUNCT
easat-8176	18	22	.	.	PUNCT
easat-8176	19	1	furthermore	furthermore	ADV
easat-8176	19	2	,	,	PUNCT
easat-8176	19	3	traditional	traditional	ADJ
easat-8176	19	4	preferences	preference	NOUN
easat-8176	19	5	for	for	ADP
easat-8176	19	6	cash	cash	NOUN
easat-8176	19	7	persist	persist	NOUN
easat-8176	19	8	due	due	ADP
easat-8176	19	9	to	to	ADP
easat-8176	19	10	cultural	cultural	ADJ
easat-8176	19	11	habits	habit	NOUN
easat-8176	19	12	and	and	CCONJ
easat-8176	19	13	trust	trust	NOUN
easat-8176	19	14	issues	issue	NOUN
easat-8176	19	15	,	,	PUNCT
easat-8176	19	16	especially	especially	ADV
easat-8176	19	17	in	in	ADP
easat-8176	19	18	rural	rural	ADJ
easat-8176	19	19	areas	area	NOUN
easat-8176	19	20	[	[	X
easat-8176	19	21	4	4	NUM
easat-8176	19	22	]	]	PUNCT
easat-8176	19	23	.	.	PUNCT
easat-8176	20	1	on	on	ADP
easat-8176	20	2	the	the	DET
easat-8176	20	3	infrastructure	infrastructure	NOUN
easat-8176	20	4	side	side	NOUN
easat-8176	20	5	,	,	PUNCT
easat-8176	20	6	insufficient	insufficient	ADJ
easat-8176	20	7	investment	investment	NOUN
easat-8176	20	8	in	in	ADP
easat-8176	20	9	nfccompatible	nfccompatible	ADJ
easat-8176	20	10	systems	system	NOUN
easat-8176	20	11	across	across	ADP
easat-8176	20	12	retail	retail	ADJ
easat-8176	20	13	and	and	CCONJ
easat-8176	20	14	service	service	NOUN
easat-8176	20	15	sectors	sector	NOUN
easat-8176	20	16	impedes	impede	VERB
easat-8176	20	17	widespread	widespread	ADJ
easat-8176	20	18	usage	usage	NOUN
easat-8176	20	19	[	[	X
easat-8176	20	20	5	5	NUM
easat-8176	20	21	]	]	PUNCT
easat-8176	20	22	.	.	PUNCT
easat-8176	21	1	in	in	ADP
easat-8176	21	2	addition	addition	NOUN
easat-8176	21	3	to	to	ADP
easat-8176	21	4	technical	technical	ADJ
easat-8176	21	5	readiness	readiness	NOUN
easat-8176	21	6	,	,	PUNCT
easat-8176	21	7	social	social	ADJ
easat-8176	21	8	dynamics	dynamic	NOUN
easat-8176	21	9	significantly	significantly	ADV
easat-8176	21	10	influence	influence	VERB
easat-8176	21	11	user	user	NOUN
easat-8176	21	12	behavior	behavior	NOUN
easat-8176	21	13	.	.	PUNCT
easat-8176	22	1	in	in	ADP
easat-8176	22	2	vietnamese	vietnamese	ADJ
easat-8176	22	3	society	society	NOUN
easat-8176	22	4	,	,	PUNCT
easat-8176	22	5	adoption	adoption	NOUN
easat-8176	22	6	of	of	ADP
easat-8176	22	7	new	new	ADJ
easat-8176	22	8	technologies	technology	NOUN
easat-8176	22	9	is	be	AUX
easat-8176	22	10	often	often	ADV
easat-8176	22	11	shaped	shape	VERB
easat-8176	22	12	by	by	ADP
easat-8176	22	13	peer	peer	NOUN
easat-8176	22	14	influence	influence	NOUN
easat-8176	22	15	,	,	PUNCT
easat-8176	22	16	word	word	NOUN
easat-8176	22	17	-	-	PUNCT
easat-8176	22	18	of	of	ADP
easat-8176	22	19	-	-	PUNCT
easat-8176	22	20	mouth	mouth	NOUN
easat-8176	22	21	,	,	PUNCT
easat-8176	22	22	and	and	CCONJ
easat-8176	22	23	social	social	ADJ
easat-8176	22	24	norms	norm	NOUN
easat-8176	22	25	[	[	X
easat-8176	22	26	6	6	NUM
easat-8176	22	27	]	]	PUNCT
easat-8176	22	28	.	.	PUNCT
easat-8176	23	1	therefore	therefore	ADV
easat-8176	23	2	,	,	PUNCT
easat-8176	23	3	the	the	DET
easat-8176	23	4	explanation	explanation	NOUN
easat-8176	23	5	of	of	ADP
easat-8176	23	6	nfc	nfc	NOUN
easat-8176	23	7	adoption	adoption	NOUN
easat-8176	23	8	needs	need	VERB
easat-8176	23	9	a	a	DET
easat-8176	23	10	holistic	holistic	ADJ
easat-8176	23	11	approach	approach	NOUN
easat-8176	23	12	to	to	PART
easat-8176	23	13	consider	consider	VERB
easat-8176	23	14	not	not	PART
easat-8176	23	15	just	just	ADV
easat-8176	23	16	technological	technological	ADJ
easat-8176	23	17	and	and	CCONJ
easat-8176	23	18	economic	economic	ADJ
easat-8176	23	19	factors	factor	NOUN
easat-8176	23	20	but	but	CCONJ
easat-8176	23	21	also	also	ADV
easat-8176	23	22	infrastructural	infrastructural	ADJ
easat-8176	23	23	,	,	PUNCT
easat-8176	23	24	cultural	cultural	ADJ
easat-8176	23	25	,	,	PUNCT
easat-8176	23	26	and	and	CCONJ
easat-8176	23	27	psychological	psychological	ADJ
easat-8176	23	28	aspects	aspect	NOUN
easat-8176	23	29	.	.	PUNCT
easat-8176	24	1	2	2	X
easat-8176	24	2	.	.	X
easat-8176	24	3	literature	literature	NOUN
easat-8176	24	4	review	review	VERB
easat-8176	24	5	2.1	2.1	NUM
easat-8176	24	6	.	.	PUNCT
easat-8176	25	1	overview	overview	NOUN
easat-8176	25	2	of	of	ADP
easat-8176	25	3	nfc	nfc	NOUN
easat-8176	25	4	mobile	mobile	ADJ
easat-8176	25	5	payment	payment	NOUN
easat-8176	25	6	technology	technology	NOUN
easat-8176	25	7	nfc	nfc	NOUN
easat-8176	25	8	has	have	AUX
easat-8176	25	9	emerged	emerge	VERB
easat-8176	25	10	as	as	ADP
easat-8176	25	11	a	a	DET
easat-8176	25	12	prominent	prominent	ADJ
easat-8176	25	13	enabler	enabler	NOUN
easat-8176	25	14	of	of	ADP
easat-8176	25	15	contactless	contactless	ADJ
easat-8176	25	16	financial	financial	ADJ
easat-8176	25	17	transactions	transaction	NOUN
easat-8176	25	18	,	,	PUNCT
easat-8176	25	19	driven	drive	VERB
easat-8176	25	20	by	by	ADP
easat-8176	25	21	its	its	PRON
easat-8176	25	22	fast	fast	ADJ
easat-8176	25	23	,	,	PUNCT
easat-8176	25	24	secure	secure	ADJ
easat-8176	25	25	,	,	PUNCT
easat-8176	25	26	and	and	CCONJ
easat-8176	25	27	user	user	NOUN
easat-8176	25	28	-	-	PUNCT
easat-8176	25	29	friendly	friendly	ADJ
easat-8176	25	30	attributes	attribute	NOUN
easat-8176	25	31	.	.	PUNCT
easat-8176	26	1	this	this	DET
easat-8176	26	2	short	short	ADJ
easat-8176	26	3	-	-	PUNCT
easat-8176	26	4	range	range	NOUN
easat-8176	26	5	wireless	wireless	ADJ
easat-8176	26	6	communication	communication	NOUN
easat-8176	26	7	protocol	protocol	NOUN
easat-8176	26	8	facilitates	facilitate	VERB
easat-8176	26	9	bidirectional	bidirectional	ADJ
easat-8176	26	10	data	datum	NOUN
easat-8176	26	11	exchange	exchange	NOUN
easat-8176	26	12	between	between	ADP
easat-8176	26	13	compatible	compatible	ADJ
easat-8176	26	14	devices	device	NOUN
easat-8176	26	15	within	within	ADP
easat-8176	26	16	a	a	DET
easat-8176	26	17	4	4	NUM
easat-8176	26	18	cm	cm	NOUN
easat-8176	26	19	radius	radius	NOUN
easat-8176	26	20	,	,	PUNCT
easat-8176	26	21	distinguishing	distinguish	VERB
easat-8176	26	22	it	it	PRON
easat-8176	26	23	from	from	ADP
easat-8176	26	24	https://orcid.org/0009-0001-7210-8585	https://orcid.org/0009-0001-7210-8585	PROPN
easat-8176	26	25	1491	1491	NUM
easat-8176	26	26	edelweiss	edelweiss	PROPN
easat-8176	26	27	applied	apply	VERB
easat-8176	26	28	science	science	NOUN
easat-8176	26	29	and	and	CCONJ
easat-8176	26	30	technology	technology	NOUN
easat-8176	26	31	issn	issn	PROPN
easat-8176	26	32	:	:	PUNCT
easat-8176	26	33	2576	2576	NUM
easat-8176	26	34	-	-	SYM
easat-8176	26	35	8484	8484	NUM
easat-8176	26	36	vol	vol	NOUN
easat-8176	26	37	.	.	PROPN
easat-8176	27	1	9	9	NUM
easat-8176	27	2	,	,	PUNCT
easat-8176	27	3	no	no	INTJ
easat-8176	27	4	.	.	NOUN
easat-8176	27	5	6	6	NUM
easat-8176	27	6	:	:	SYM
easat-8176	27	7	1490	1490	NUM
easat-8176	27	8	-	-	SYM
easat-8176	27	9	1502	1502	NUM
easat-8176	27	10	,	,	PUNCT
easat-8176	27	11	2025	2025	NUM
easat-8176	27	12	doi	doi	NOUN
easat-8176	27	13	:	:	PUNCT
easat-8176	27	14	10.55214/25768484.v9i6.8176	10.55214/25768484.v9i6.8176	PROPN
easat-8176	27	15	©	©	PROPN
easat-8176	27	16	2025	2025	NUM
easat-8176	27	17	by	by	ADP
easat-8176	27	18	the	the	DET
easat-8176	27	19	authors	author	NOUN
easat-8176	27	20	;	;	PUNCT
easat-8176	27	21	licensee	licensee	PROPN
easat-8176	27	22	learning	learning	NOUN
easat-8176	27	23	gate	gate	VERB
easat-8176	27	24	one	one	NUM
easat-8176	27	25	-	-	PUNCT
easat-8176	27	26	way	way	NOUN
easat-8176	27	27	systems	system	NOUN
easat-8176	27	28	like	like	ADP
easat-8176	27	29	rfid	rfid	NOUN
easat-8176	27	30	[	[	X
easat-8176	27	31	7	7	NUM
easat-8176	27	32	]	]	PUNCT
easat-8176	27	33	.	.	PUNCT
easat-8176	28	1	nfc	nfc	NOUN
easat-8176	28	2	’s	’s	PART
easat-8176	28	3	capacity	capacity	NOUN
easat-8176	28	4	to	to	PART
easat-8176	28	5	operate	operate	VERB
easat-8176	28	6	without	without	ADP
easat-8176	28	7	internet	internet	NOUN
easat-8176	28	8	connectivity	connectivity	NOUN
easat-8176	28	9	or	or	CCONJ
easat-8176	28	10	complex	complex	ADJ
easat-8176	28	11	pairing	pairing	NOUN
easat-8176	28	12	enhances	enhance	VERB
easat-8176	28	13	its	its	PRON
easat-8176	28	14	utility	utility	NOUN
easat-8176	28	15	in	in	ADP
easat-8176	28	16	regions	region	NOUN
easat-8176	28	17	with	with	ADP
easat-8176	28	18	limited	limited	ADJ
easat-8176	28	19	digital	digital	ADJ
easat-8176	28	20	infrastructure	infrastructure	NOUN
easat-8176	28	21	[	[	X
easat-8176	28	22	8	8	NUM
easat-8176	28	23	]	]	PUNCT
easat-8176	28	24	.	.	PUNCT
easat-8176	29	1	in	in	ADP
easat-8176	29	2	vietnam	vietnam	PROPN
easat-8176	29	3	,	,	PUNCT
easat-8176	29	4	the	the	DET
easat-8176	29	5	implementation	implementation	NOUN
easat-8176	29	6	of	of	ADP
easat-8176	29	7	nfc	nfc	NOUN
easat-8176	29	8	technology	technology	NOUN
easat-8176	29	9	into	into	ADP
easat-8176	29	10	domestic	domestic	ADJ
easat-8176	29	11	digital	digital	ADJ
easat-8176	29	12	payment	payment	NOUN
easat-8176	29	13	systems	system	NOUN
easat-8176	29	14	such	such	ADJ
easat-8176	29	15	as	as	ADP
easat-8176	29	16	momo	momo	NOUN
easat-8176	29	17	and	and	CCONJ
easat-8176	29	18	vnpay	vnpay	NOUN
easat-8176	29	19	has	have	AUX
easat-8176	29	20	been	be	AUX
easat-8176	29	21	very	very	ADV
easat-8176	29	22	important	important	ADJ
easat-8176	29	23	and	and	CCONJ
easat-8176	29	24	is	be	AUX
easat-8176	29	25	considered	consider	VERB
easat-8176	29	26	a	a	DET
easat-8176	29	27	strategic	strategic	ADJ
easat-8176	29	28	tool	tool	NOUN
easat-8176	29	29	.	.	PUNCT
easat-8176	30	1	this	this	DET
easat-8176	30	2	technological	technological	ADJ
easat-8176	30	3	innovation	innovation	NOUN
easat-8176	30	4	has	have	AUX
easat-8176	30	5	increasingly	increasingly	ADV
easat-8176	30	6	played	play	VERB
easat-8176	30	7	a	a	DET
easat-8176	30	8	role	role	NOUN
easat-8176	30	9	in	in	ADP
easat-8176	30	10	bridging	bridge	VERB
easat-8176	30	11	the	the	DET
easat-8176	30	12	digital	digital	ADJ
easat-8176	30	13	divide	divide	NOUN
easat-8176	30	14	among	among	ADP
easat-8176	30	15	various	various	ADJ
easat-8176	30	16	population	population	NOUN
easat-8176	30	17	segments	segment	NOUN
easat-8176	30	18	and	and	CCONJ
easat-8176	30	19	enhancing	enhance	VERB
easat-8176	30	20	the	the	DET
easat-8176	30	21	efficiency	efficiency	NOUN
easat-8176	30	22	of	of	ADP
easat-8176	30	23	financial	financial	ADJ
easat-8176	30	24	access	access	NOUN
easat-8176	30	25	in	in	ADP
easat-8176	30	26	the	the	DET
easat-8176	30	27	framework	framework	NOUN
easat-8176	30	28	of	of	ADP
easat-8176	30	29	a	a	DET
easat-8176	30	30	robust	robust	ADJ
easat-8176	30	31	digital	digital	ADJ
easat-8176	30	32	change	change	NOUN
easat-8176	30	33	[	[	X
easat-8176	30	34	9	9	NUM
easat-8176	30	35	]	]	PUNCT
easat-8176	30	36	.	.	PUNCT
easat-8176	31	1	however	however	ADV
easat-8176	31	2	,	,	PUNCT
easat-8176	31	3	several	several	ADJ
easat-8176	31	4	structural	structural	ADJ
easat-8176	31	5	and	and	CCONJ
easat-8176	31	6	behavioral	behavioral	ADJ
easat-8176	31	7	barriers	barrier	NOUN
easat-8176	31	8	continue	continue	VERB
easat-8176	31	9	to	to	PART
easat-8176	31	10	restrict	restrict	VERB
easat-8176	31	11	the	the	DET
easat-8176	31	12	broader	broad	ADJ
easat-8176	31	13	adoption	adoption	NOUN
easat-8176	31	14	of	of	ADP
easat-8176	31	15	nfc	nfc	NOUN
easat-8176	31	16	payments	payment	NOUN
easat-8176	31	17	.	.	PUNCT
easat-8176	32	1	gaps	gap	NOUN
easat-8176	32	2	in	in	ADP
easat-8176	32	3	digital	digital	ADJ
easat-8176	32	4	literacy	literacy	NOUN
easat-8176	32	5	especially	especially	ADV
easat-8176	32	6	among	among	ADP
easat-8176	32	7	older	old	ADJ
easat-8176	32	8	populations	population	NOUN
easat-8176	32	9	and	and	CCONJ
easat-8176	32	10	the	the	DET
easat-8176	32	11	high	high	ADJ
easat-8176	32	12	cost	cost	NOUN
easat-8176	32	13	of	of	ADP
easat-8176	32	14	deploying	deploy	VERB
easat-8176	32	15	compatible	compatible	ADJ
easat-8176	32	16	infrastructure	infrastructure	NOUN
easat-8176	32	17	present	present	ADJ
easat-8176	32	18	key	key	ADJ
easat-8176	32	19	challenges	challenge	NOUN
easat-8176	32	20	[	[	X
easat-8176	32	21	10	10	NUM
easat-8176	32	22	]	]	PUNCT
easat-8176	32	23	.	.	PUNCT
easat-8176	33	1	for	for	ADP
easat-8176	33	2	small	small	ADJ
easat-8176	33	3	businesses	business	NOUN
easat-8176	33	4	,	,	PUNCT
easat-8176	33	5	the	the	DET
easat-8176	33	6	lack	lack	NOUN
easat-8176	33	7	of	of	ADP
easat-8176	33	8	standardized	standardized	ADJ
easat-8176	33	9	technical	technical	ADJ
easat-8176	33	10	frameworks	framework	NOUN
easat-8176	33	11	hinders	hinder	VERB
easat-8176	33	12	system	system	NOUN
easat-8176	33	13	compatibility	compatibility	NOUN
easat-8176	33	14	and	and	CCONJ
easat-8176	33	15	increases	increase	VERB
easat-8176	33	16	implementation	implementation	NOUN
easat-8176	33	17	complexity	complexity	NOUN
easat-8176	34	1	[	[	X
easat-8176	34	2	11	11	NUM
easat-8176	34	3	]	]	PUNCT
easat-8176	34	4	.	.	PUNCT
easat-8176	35	1	although	although	SCONJ
easat-8176	35	2	consumer	consumer	NOUN
easat-8176	35	3	interest	interest	NOUN
easat-8176	35	4	is	be	AUX
easat-8176	35	5	growing	grow	VERB
easat-8176	35	6	,	,	PUNCT
easat-8176	35	7	widespread	widespread	ADJ
easat-8176	35	8	nfc	nfc	NOUN
easat-8176	35	9	use	use	NOUN
easat-8176	35	10	is	be	AUX
easat-8176	35	11	still	still	ADV
easat-8176	35	12	constrained	constrain	VERB
easat-8176	35	13	by	by	ADP
easat-8176	35	14	a	a	DET
easat-8176	35	15	mix	mix	NOUN
easat-8176	35	16	of	of	ADP
easat-8176	35	17	user	user	NOUN
easat-8176	35	18	skepticism	skepticism	NOUN
easat-8176	35	19	and	and	CCONJ
easat-8176	35	20	uneven	uneven	ADJ
easat-8176	35	21	technological	technological	ADJ
easat-8176	35	22	infrastructure	infrastructure	NOUN
easat-8176	35	23	[	[	X
easat-8176	35	24	12	12	NUM
easat-8176	35	25	]	]	PUNCT
easat-8176	35	26	.	.	PUNCT
easat-8176	36	1	2.2	2.2	NUM
easat-8176	36	2	.	.	PUNCT
easat-8176	37	1	adoption	adoption	NOUN
easat-8176	37	2	trends	trend	NOUN
easat-8176	37	3	of	of	ADP
easat-8176	37	4	nfc	nfc	NOUN
easat-8176	37	5	payment	payment	NOUN
easat-8176	37	6	in	in	ADP
easat-8176	37	7	ho	ho	PROPN
easat-8176	37	8	chi	chi	PROPN
easat-8176	37	9	minh	minh	PROPN
easat-8176	37	10	city	city	PROPN
easat-8176	37	11	vietnam	vietnam	PROPN
easat-8176	37	12	’s	’s	PART
easat-8176	37	13	growing	grow	VERB
easat-8176	37	14	digital	digital	ADJ
easat-8176	37	15	economy	economy	NOUN
easat-8176	37	16	spurred	spur	VERB
easat-8176	37	17	by	by	ADP
easat-8176	37	18	national	national	ADJ
easat-8176	37	19	policy	policy	NOUN
easat-8176	37	20	reforms	reform	NOUN
easat-8176	37	21	,	,	PUNCT
easat-8176	37	22	has	have	AUX
easat-8176	37	23	accelerated	accelerate	VERB
easat-8176	37	24	the	the	DET
easat-8176	37	25	adoption	adoption	NOUN
easat-8176	37	26	of	of	ADP
easat-8176	37	27	mobile	mobile	ADJ
easat-8176	37	28	payments	payment	NOUN
easat-8176	37	29	using	use	VERB
easat-8176	37	30	nfc	nfc	NOUN
easat-8176	37	31	for	for	ADP
easat-8176	37	32	payment	payment	NOUN
easat-8176	37	33	transactions	transaction	NOUN
easat-8176	37	34	.	.	PUNCT
easat-8176	38	1	by	by	ADP
easat-8176	38	2	late	late	ADJ
easat-8176	38	3	2023	2023	NUM
easat-8176	38	4	,	,	PUNCT
easat-8176	38	5	the	the	DET
easat-8176	38	6	total	total	NOUN
easat-8176	38	7	of	of	ADP
easat-8176	38	8	personal	personal	ADJ
easat-8176	38	9	payment	payment	NOUN
easat-8176	38	10	accounts	account	NOUN
easat-8176	38	11	surpassed	surpass	VERB
easat-8176	38	12	182	182	NUM
easat-8176	38	13	million	million	NUM
easat-8176	38	14	,	,	PUNCT
easat-8176	38	15	marking	mark	VERB
easat-8176	38	16	a	a	DET
easat-8176	38	17	21.8	21.8	NUM
easat-8176	38	18	%	%	NOUN
easat-8176	38	19	increase	increase	NOUN
easat-8176	38	20	year	year	NOUN
easat-8176	38	21	-	-	PUNCT
easat-8176	38	22	on	on	ADP
easat-8176	38	23	-	-	PUNCT
easat-8176	38	24	year	year	NOUN
easat-8176	38	25	[	[	X
easat-8176	38	26	13	13	NUM
easat-8176	38	27	]	]	PUNCT
easat-8176	38	28	.	.	PUNCT
easat-8176	39	1	while	while	SCONJ
easat-8176	39	2	qr	qr	PROPN
easat-8176	39	3	code	code	NOUN
easat-8176	39	4	payments	payment	NOUN
easat-8176	39	5	currently	currently	ADV
easat-8176	39	6	dominate	dominate	VERB
easat-8176	39	7	the	the	DET
easat-8176	39	8	landscape	landscape	NOUN
easat-8176	39	9	,	,	PUNCT
easat-8176	39	10	nfc	nfc	NOUN
easat-8176	39	11	is	be	AUX
easat-8176	39	12	rapidly	rapidly	ADV
easat-8176	39	13	gaining	gain	VERB
easat-8176	39	14	popularity	popularity	NOUN
easat-8176	39	15	,	,	PUNCT
easat-8176	39	16	especially	especially	ADV
easat-8176	39	17	among	among	ADP
easat-8176	39	18	digitally	digitally	ADV
easat-8176	39	19	literate	literate	ADJ
easat-8176	39	20	youth	youth	NOUN
easat-8176	39	21	.	.	PUNCT
easat-8176	40	1	the	the	DET
easat-8176	40	2	launch	launch	NOUN
easat-8176	40	3	of	of	ADP
easat-8176	40	4	apple	apple	NOUN
easat-8176	40	5	pay	pay	NOUN
easat-8176	40	6	in	in	ADP
easat-8176	40	7	vietnam	vietnam	PROPN
easat-8176	40	8	in	in	ADP
easat-8176	40	9	mid-2023	mid-2023	NOUN
easat-8176	40	10	,	,	PUNCT
easat-8176	40	11	for	for	ADP
easat-8176	40	12	instance	instance	NOUN
easat-8176	40	13	,	,	PUNCT
easat-8176	40	14	led	lead	VERB
easat-8176	40	15	to	to	ADP
easat-8176	40	16	a	a	DET
easat-8176	40	17	7	7	NUM
easat-8176	40	18	%	%	NOUN
easat-8176	40	19	adoption	adoption	NOUN
easat-8176	40	20	rate	rate	NOUN
easat-8176	40	21	within	within	ADP
easat-8176	40	22	months	month	NOUN
easat-8176	40	23	,	,	PUNCT
easat-8176	40	24	underscoring	underscore	VERB
easat-8176	40	25	growing	grow	VERB
easat-8176	40	26	user	user	NOUN
easat-8176	40	27	interest	interest	NOUN
easat-8176	41	1	[	[	X
easat-8176	41	2	14	14	NUM
easat-8176	41	3	]	]	PUNCT
easat-8176	41	4	.	.	PUNCT
easat-8176	42	1	financial	financial	ADJ
easat-8176	42	2	institutions	institution	NOUN
easat-8176	42	3	have	have	AUX
easat-8176	42	4	also	also	ADV
easat-8176	42	5	taken	take	VERB
easat-8176	42	6	steps	step	NOUN
easat-8176	42	7	to	to	PART
easat-8176	42	8	promote	promote	VERB
easat-8176	42	9	nfc	nfc	NOUN
easat-8176	42	10	adoption	adoption	NOUN
easat-8176	42	11	.	.	PUNCT
easat-8176	43	1	the	the	DET
easat-8176	43	2	“	"	PUNCT
easat-8176	43	3	tap	tap	NOUN
easat-8176	43	4	to	to	PART
easat-8176	43	5	phone	phone	NOUN
easat-8176	43	6	”	"	PUNCT
easat-8176	43	7	service	service	NOUN
easat-8176	43	8	deployed	deploy	VERB
easat-8176	43	9	by	by	ADP
easat-8176	43	10	vietcombank	vietcombank	NOUN
easat-8176	43	11	has	have	AUX
easat-8176	43	12	transformed	transform	VERB
easat-8176	43	13	smartphones	smartphone	NOUN
easat-8176	43	14	into	into	ADP
easat-8176	43	15	mobile	mobile	ADJ
easat-8176	43	16	payment	payment	NOUN
easat-8176	43	17	terminals	terminal	NOUN
easat-8176	43	18	,	,	PUNCT
easat-8176	43	19	thereby	thereby	ADV
easat-8176	43	20	democratizing	democratize	VERB
easat-8176	43	21	access	access	NOUN
easat-8176	43	22	to	to	ADP
easat-8176	43	23	digital	digital	ADJ
easat-8176	43	24	transactions	transaction	NOUN
easat-8176	43	25	.	.	PUNCT
easat-8176	44	1	this	this	DET
easat-8176	44	2	solution	solution	NOUN
easat-8176	44	3	not	not	PART
easat-8176	44	4	only	only	ADV
easat-8176	44	5	simplifies	simplify	VERB
easat-8176	44	6	the	the	DET
easat-8176	44	7	payment	payment	NOUN
easat-8176	44	8	process	process	NOUN
easat-8176	44	9	for	for	ADP
easat-8176	44	10	smes	sme	NOUN
easat-8176	44	11	,	,	PUNCT
easat-8176	44	12	but	but	CCONJ
easat-8176	44	13	also	also	ADV
easat-8176	44	14	expands	expand	VERB
easat-8176	44	15	integration	integration	NOUN
easat-8176	44	16	with	with	ADP
easat-8176	44	17	global	global	ADJ
easat-8176	44	18	payment	payment	NOUN
easat-8176	44	19	ecosystems	ecosystem	NOUN
easat-8176	44	20	,	,	PUNCT
easat-8176	44	21	thereby	thereby	ADV
easat-8176	44	22	promoting	promote	VERB
easat-8176	44	23	flexibility	flexibility	NOUN
easat-8176	44	24	and	and	CCONJ
easat-8176	44	25	inclusivity	inclusivity	NOUN
easat-8176	44	26	in	in	ADP
easat-8176	44	27	the	the	DET
easat-8176	44	28	digital	digital	ADJ
easat-8176	44	29	financial	financial	ADJ
easat-8176	44	30	ecosystem	ecosystem	NOUN
easat-8176	44	31	in	in	ADP
easat-8176	44	32	vietnam	vietnam	PROPN
easat-8176	45	1	[	[	X
easat-8176	45	2	15	15	NUM
easat-8176	45	3	]	]	PUNCT
easat-8176	45	4	.	.	PUNCT
easat-8176	46	1	despite	despite	SCONJ
easat-8176	46	2	this	this	DET
easat-8176	46	3	progress	progress	NOUN
easat-8176	46	4	,	,	PUNCT
easat-8176	46	5	challenges	challenge	NOUN
easat-8176	46	6	persist	persist	VERB
easat-8176	46	7	.	.	PUNCT
easat-8176	47	1	traditional	traditional	ADJ
easat-8176	47	2	markets	market	NOUN
easat-8176	47	3	and	and	CCONJ
easat-8176	47	4	older	old	ADJ
easat-8176	47	5	users	user	NOUN
easat-8176	47	6	remain	remain	VERB
easat-8176	47	7	loyal	loyal	ADJ
easat-8176	47	8	to	to	ADP
easat-8176	47	9	cash	cash	NOUN
easat-8176	47	10	payments	payment	NOUN
easat-8176	47	11	,	,	PUNCT
easat-8176	47	12	and	and	CCONJ
easat-8176	47	13	many	many	ADJ
easat-8176	47	14	small	small	ADJ
easat-8176	47	15	retailers	retailer	NOUN
easat-8176	47	16	are	be	AUX
easat-8176	47	17	hesitant	hesitant	ADJ
easat-8176	47	18	to	to	PART
easat-8176	47	19	adopt	adopt	VERB
easat-8176	47	20	contactless	contactless	PROPN
easat-8176	47	21	pos	pos	NOUN
easat-8176	47	22	systems	system	NOUN
easat-8176	47	23	due	due	ADP
easat-8176	47	24	to	to	ADP
easat-8176	47	25	cost	cost	VERB
easat-8176	47	26	concerns	concern	NOUN
easat-8176	47	27	.	.	PUNCT
easat-8176	48	1	disparities	disparity	NOUN
easat-8176	48	2	in	in	ADP
easat-8176	48	3	network	network	NOUN
easat-8176	48	4	infrastructure	infrastructure	NOUN
easat-8176	48	5	,	,	PUNCT
easat-8176	48	6	especially	especially	ADV
easat-8176	48	7	in	in	ADP
easat-8176	48	8	suburban	suburban	ADJ
easat-8176	48	9	and	and	CCONJ
easat-8176	48	10	peri	peri	ADJ
easat-8176	48	11	-	-	PUNCT
easat-8176	48	12	urban	urban	ADJ
easat-8176	48	13	areas	area	NOUN
easat-8176	48	14	,	,	PUNCT
easat-8176	48	15	further	far	ADV
easat-8176	48	16	limit	limit	VERB
easat-8176	48	17	the	the	DET
easat-8176	48	18	scalability	scalability	NOUN
easat-8176	48	19	of	of	ADP
easat-8176	48	20	nfc	nfc	NOUN
easat-8176	48	21	services	service	NOUN
easat-8176	48	22	.	.	PUNCT
easat-8176	49	1	to	to	PART
easat-8176	49	2	address	address	VERB
easat-8176	49	3	these	these	DET
easat-8176	49	4	obstacles	obstacle	NOUN
easat-8176	49	5	,	,	PUNCT
easat-8176	49	6	ho	ho	PROPN
easat-8176	49	7	chi	chi	PROPN
easat-8176	49	8	minh	minh	PROPN
easat-8176	49	9	city	city	PROPN
easat-8176	49	10	’s	’s	PART
easat-8176	49	11	digital	digital	ADJ
easat-8176	49	12	transformation	transformation	NOUN
easat-8176	49	13	roadmap	roadmap	NOUN
easat-8176	49	14	includes	include	VERB
easat-8176	49	15	expanding	expand	VERB
easat-8176	49	16	5	5	NUM
easat-8176	49	17	g	g	NOUN
easat-8176	49	18	coverage	coverage	NOUN
easat-8176	49	19	and	and	CCONJ
easat-8176	49	20	enhancing	enhance	VERB
easat-8176	49	21	broadband	broadband	NOUN
easat-8176	49	22	access	access	NOUN
easat-8176	49	23	.	.	PUNCT
easat-8176	50	1	the	the	DET
easat-8176	50	2	municipal	municipal	ADJ
easat-8176	50	3	government	government	NOUN
easat-8176	50	4	aims	aim	VERB
easat-8176	50	5	to	to	PART
easat-8176	50	6	ensure	ensure	VERB
easat-8176	50	7	that	that	SCONJ
easat-8176	50	8	by	by	ADP
easat-8176	50	9	2025	2025	NUM
easat-8176	50	10	,	,	PUNCT
easat-8176	50	11	over	over	ADP
easat-8176	50	12	80	80	NUM
easat-8176	50	13	%	%	NOUN
easat-8176	50	14	of	of	ADP
easat-8176	50	15	residents	resident	NOUN
easat-8176	50	16	aged	age	VERB
easat-8176	50	17	15	15	NUM
easat-8176	50	18	and	and	CCONJ
easat-8176	50	19	older	old	ADJ
easat-8176	50	20	will	will	AUX
easat-8176	50	21	own	own	VERB
easat-8176	50	22	and	and	CCONJ
easat-8176	50	23	actively	actively	ADV
easat-8176	50	24	use	use	VERB
easat-8176	50	25	electronic	electronic	ADJ
easat-8176	50	26	payment	payment	NOUN
easat-8176	50	27	accounts	account	NOUN
easat-8176	50	28	.	.	PUNCT
easat-8176	51	1	strategic	strategic	ADJ
easat-8176	51	2	integration	integration	NOUN
easat-8176	51	3	of	of	ADP
easat-8176	51	4	digital	digital	ADJ
easat-8176	51	5	payments	payment	NOUN
easat-8176	51	6	into	into	ADP
easat-8176	51	7	public	public	ADJ
easat-8176	51	8	sectors	sector	NOUN
easat-8176	51	9	like	like	ADP
easat-8176	51	10	transportation	transportation	NOUN
easat-8176	51	11	and	and	CCONJ
easat-8176	51	12	healthcare	healthcare	NOUN
easat-8176	51	13	is	be	AUX
easat-8176	51	14	also	also	ADV
easat-8176	51	15	expected	expect	VERB
easat-8176	51	16	to	to	PART
easat-8176	51	17	improve	improve	VERB
easat-8176	51	18	public	public	ADJ
easat-8176	51	19	trust	trust	NOUN
easat-8176	51	20	and	and	CCONJ
easat-8176	51	21	usage	usage	NOUN
easat-8176	51	22	rates	rate	NOUN
easat-8176	51	23	.	.	PUNCT
easat-8176	52	1	2.3	2.3	NUM
easat-8176	52	2	.	.	PUNCT
easat-8176	53	1	behavioral	behavioral	ADJ
easat-8176	53	2	intention	intention	NOUN
easat-8176	53	3	the	the	DET
easat-8176	53	4	combination	combination	NOUN
easat-8176	53	5	of	of	ADP
easat-8176	53	6	technology	technology	NOUN
easat-8176	53	7	,	,	PUNCT
easat-8176	53	8	human	human	ADJ
easat-8176	53	9	behavior	behavior	NOUN
easat-8176	53	10	and	and	CCONJ
easat-8176	53	11	the	the	DET
easat-8176	53	12	environment	environment	NOUN
easat-8176	53	13	in	in	ADP
easat-8176	53	14	which	which	PRON
easat-8176	53	15	the	the	DET
easat-8176	53	16	technology	technology	NOUN
easat-8176	53	17	is	be	AUX
easat-8176	53	18	introduced	introduce	VERB
easat-8176	53	19	is	be	AUX
easat-8176	53	20	the	the	DET
easat-8176	53	21	mobile	mobile	ADJ
easat-8176	53	22	payment	payment	NOUN
easat-8176	53	23	system	system	NOUN
easat-8176	53	24	based	base	VERB
easat-8176	53	25	on	on	ADP
easat-8176	53	26	nfc	nfc	NOUN
easat-8176	53	27	technology	technology	NOUN
easat-8176	53	28	.	.	PUNCT
easat-8176	54	1	in	in	ADP
easat-8176	54	2	this	this	DET
easat-8176	54	3	study	study	NOUN
easat-8176	54	4	,	,	PUNCT
easat-8176	54	5	we	we	PRON
easat-8176	54	6	will	will	AUX
easat-8176	54	7	study	study	VERB
easat-8176	54	8	and	and	CCONJ
easat-8176	54	9	explore	explore	VERB
easat-8176	54	10	two	two	NUM
easat-8176	54	11	very	very	ADV
easat-8176	54	12	important	important	ADJ
easat-8176	54	13	theories	theory	NOUN
easat-8176	54	14	,	,	PUNCT
easat-8176	54	15	which	which	PRON
easat-8176	54	16	are	be	AUX
easat-8176	54	17	the	the	DET
easat-8176	54	18	tam	tam	PROPN
easat-8176	54	19	and	and	CCONJ
easat-8176	54	20	utaut	utaut	PROPN
easat-8176	54	21	model	model	NOUN
easat-8176	54	22	theories	theory	NOUN
easat-8176	54	23	.	.	PUNCT
easat-8176	55	1	in	in	ADP
easat-8176	55	2	studies	study	NOUN
easat-8176	55	3	on	on	ADP
easat-8176	55	4	technology	technology	NOUN
easat-8176	55	5	acceptance	acceptance	NOUN
easat-8176	55	6	,	,	PUNCT
easat-8176	55	7	behavioral	behavioral	ADJ
easat-8176	55	8	intention	intention	NOUN
easat-8176	55	9	plays	play	VERB
easat-8176	55	10	a	a	DET
easat-8176	55	11	vital	vital	ADJ
easat-8176	55	12	role	role	NOUN
easat-8176	55	13	in	in	ADP
easat-8176	55	14	predicting	predict	VERB
easat-8176	55	15	users	user	NOUN
easat-8176	55	16	'	'	PART
easat-8176	55	17	actual	actual	ADJ
easat-8176	55	18	behavior	behavior	NOUN
easat-8176	55	19	.	.	PUNCT
easat-8176	56	1	theories	theory	NOUN
easat-8176	56	2	on	on	ADP
easat-8176	56	3	technology	technology	NOUN
easat-8176	56	4	such	such	ADJ
easat-8176	56	5	as	as	ADP
easat-8176	56	6	the	the	DET
easat-8176	56	7	tam	tam	NOUN
easat-8176	56	8	by	by	ADP
easat-8176	56	9	davis	davis	PROPN
easat-8176	57	1	[	[	X
easat-8176	57	2	16	16	NUM
easat-8176	57	3	]	]	PUNCT
easat-8176	57	4	and	and	CCONJ
easat-8176	57	5	the	the	DET
easat-8176	57	6	utaut	utaut	NOUN
easat-8176	57	7	introduced	introduce	VERB
easat-8176	57	8	by	by	ADP
easat-8176	57	9	venkatesh	venkatesh	PROPN
easat-8176	57	10	,	,	PUNCT
easat-8176	57	11	et	et	PROPN
easat-8176	57	12	al	al	PROPN
easat-8176	57	13	.	.	PUNCT
easat-8176	58	1	[	[	X
easat-8176	58	2	17	17	NUM
easat-8176	58	3	]	]	PUNCT
easat-8176	58	4	have	have	AUX
easat-8176	58	5	affirmed	affirm	VERB
easat-8176	58	6	that	that	SCONJ
easat-8176	58	7	the	the	DET
easat-8176	58	8	behavioral	behavioral	ADJ
easat-8176	58	9	intention	intention	NOUN
easat-8176	58	10	affected	affect	VERB
easat-8176	58	11	by	by	ADP
easat-8176	58	12	factors	factor	NOUN
easat-8176	58	13	such	such	ADJ
easat-8176	58	14	as	as	ADP
easat-8176	58	15	the	the	DET
easat-8176	58	16	willingness	willingness	NOUN
easat-8176	58	17	to	to	PART
easat-8176	58	18	accept	accept	VERB
easat-8176	58	19	changes	change	NOUN
easat-8176	58	20	related	relate	VERB
easat-8176	58	21	to	to	ADP
easat-8176	58	22	technology	technology	NOUN
easat-8176	58	23	of	of	ADP
easat-8176	58	24	users	user	NOUN
easat-8176	58	25	.	.	PUNCT
easat-8176	59	1	these	these	DET
easat-8176	59	2	factors	factor	NOUN
easat-8176	59	3	create	create	VERB
easat-8176	59	4	a	a	DET
easat-8176	59	5	complex	complex	ADJ
easat-8176	59	6	landscape	landscape	NOUN
easat-8176	59	7	in	in	ADP
easat-8176	59	8	which	which	PRON
easat-8176	59	9	social	social	ADJ
easat-8176	59	10	factors	factor	NOUN
easat-8176	59	11	,	,	PUNCT
easat-8176	59	12	along	along	ADP
easat-8176	59	13	with	with	ADP
easat-8176	59	14	the	the	DET
easat-8176	59	15	context	context	NOUN
easat-8176	59	16	of	of	ADP
easat-8176	59	17	use	use	NOUN
easat-8176	59	18	,	,	PUNCT
easat-8176	59	19	are	be	AUX
easat-8176	59	20	likely	likely	ADJ
easat-8176	59	21	to	to	PART
easat-8176	59	22	influence	influence	VERB
easat-8176	59	23	users	user	NOUN
easat-8176	59	24	’	’	PART
easat-8176	59	25	choices	choice	NOUN
easat-8176	59	26	in	in	ADP
easat-8176	59	27	adopting	adopt	VERB
easat-8176	59	28	new	new	ADJ
easat-8176	59	29	technologies	technology	NOUN
easat-8176	59	30	.	.	PUNCT
easat-8176	60	1	technology	technology	NOUN
easat-8176	60	2	readiness	readiness	NOUN
easat-8176	60	3	,	,	PUNCT
easat-8176	60	4	which	which	PRON
easat-8176	60	5	includes	include	VERB
easat-8176	60	6	criteria	criterion	NOUN
easat-8176	60	7	such	such	ADJ
easat-8176	60	8	as	as	ADP
easat-8176	60	9	users	user	NOUN
easat-8176	60	10	’	'	PUNCT
easat-8176	60	11	level	level	NOUN
easat-8176	60	12	of	of	ADP
easat-8176	60	13	digital	digital	ADJ
easat-8176	60	14	literacy	literacy	NOUN
easat-8176	60	15	and	and	CCONJ
easat-8176	60	16	ability	ability	NOUN
easat-8176	60	17	to	to	PART
easat-8176	60	18	embrace	embrace	VERB
easat-8176	60	19	innovation	innovation	NOUN
easat-8176	60	20	,	,	PUNCT
easat-8176	60	21	is	be	AUX
easat-8176	60	22	a	a	DET
easat-8176	60	23	key	key	ADJ
easat-8176	60	24	driver	driver	NOUN
easat-8176	60	25	of	of	ADP
easat-8176	60	26	adoption	adoption	NOUN
easat-8176	60	27	and	and	CCONJ
easat-8176	60	28	speed	speed	NOUN
easat-8176	60	29	[	[	X
easat-8176	60	30	18	18	NUM
easat-8176	60	31	]	]	PUNCT
easat-8176	60	32	.	.	PUNCT
easat-8176	61	1	finally	finally	ADV
easat-8176	61	2	,	,	PUNCT
easat-8176	61	3	service	service	NOUN
easat-8176	61	4	quality	quality	NOUN
easat-8176	61	5	reflected	reflect	VERB
easat-8176	61	6	in	in	ADP
easat-8176	61	7	system	system	NOUN
easat-8176	61	8	reliability	reliability	NOUN
easat-8176	61	9	,	,	PUNCT
easat-8176	61	10	customer	customer	NOUN
easat-8176	61	11	support	support	NOUN
easat-8176	61	12	effectiveness	effectiveness	NOUN
easat-8176	61	13	,	,	PUNCT
easat-8176	61	14	and	and	CCONJ
easat-8176	61	15	transaction	transaction	NOUN
easat-8176	61	16	efficiency	efficiency	NOUN
easat-8176	61	17	directly	directly	ADV
easat-8176	61	18	affects	affect	VERB
easat-8176	61	19	users	user	NOUN
easat-8176	61	20	’	'	PUNCT
easat-8176	61	21	satisfaction	satisfaction	NOUN
easat-8176	61	22	and	and	CCONJ
easat-8176	61	23	trust	trust	NOUN
easat-8176	61	24	in	in	ADP
easat-8176	61	25	the	the	DET
easat-8176	61	26	technology	technology	NOUN
easat-8176	61	27	.	.	PUNCT
easat-8176	62	1	when	when	SCONJ
easat-8176	62	2	the	the	DET
easat-8176	62	3	system	system	NOUN
easat-8176	62	4	operates	operate	VERB
easat-8176	62	5	stably	stably	ADV
easat-8176	62	6	,	,	PUNCT
easat-8176	62	7	supports	support	VERB
easat-8176	62	8	promptly	promptly	ADV
easat-8176	62	9	,	,	PUNCT
easat-8176	62	10	and	and	CCONJ
easat-8176	62	11	transactions	transaction	NOUN
easat-8176	62	12	are	be	AUX
easat-8176	62	13	fast	fast	ADJ
easat-8176	62	14	,	,	PUNCT
easat-8176	62	15	users	user	NOUN
easat-8176	62	16	tend	tend	VERB
easat-8176	62	17	to	to	PART
easat-8176	62	18	trust	trust	VERB
easat-8176	62	19	and	and	CCONJ
easat-8176	62	20	continue	continue	VERB
easat-8176	62	21	using	use	VERB
easat-8176	62	22	the	the	DET
easat-8176	62	23	technology	technology	NOUN
easat-8176	62	24	[	[	X
easat-8176	62	25	19	19	NUM
easat-8176	62	26	]	]	PUNCT
easat-8176	62	27	.	.	PUNCT
easat-8176	63	1	1492	1492	NUM
easat-8176	63	2	edelweiss	edelweiss	PROPN
easat-8176	63	3	applied	apply	VERB
easat-8176	63	4	science	science	NOUN
easat-8176	63	5	and	and	CCONJ
easat-8176	63	6	technology	technology	NOUN
easat-8176	63	7	issn	issn	PROPN
easat-8176	63	8	:	:	PUNCT
easat-8176	63	9	2576	2576	NUM
easat-8176	63	10	-	-	SYM
easat-8176	63	11	8484	8484	NUM
easat-8176	63	12	vol	vol	NOUN
easat-8176	63	13	.	.	PROPN
easat-8176	64	1	9	9	NUM
easat-8176	64	2	,	,	PUNCT
easat-8176	64	3	no	no	INTJ
easat-8176	64	4	.	.	NOUN
easat-8176	64	5	6	6	NUM
easat-8176	64	6	:	:	SYM
easat-8176	64	7	1490	1490	NUM
easat-8176	64	8	-	-	SYM
easat-8176	64	9	1502	1502	NUM
easat-8176	64	10	,	,	PUNCT
easat-8176	64	11	2025	2025	NUM
easat-8176	64	12	doi	doi	NOUN
easat-8176	64	13	:	:	PUNCT
easat-8176	64	14	10.55214/25768484.v9i6.8176	10.55214/25768484.v9i6.8176	PROPN
easat-8176	64	15	©	©	PROPN
easat-8176	64	16	2025	2025	NUM
easat-8176	64	17	by	by	ADP
easat-8176	64	18	the	the	DET
easat-8176	64	19	authors	author	NOUN
easat-8176	64	20	;	;	PUNCT
easat-8176	64	21	licensee	licensee	PROPN
easat-8176	64	22	learning	learning	NOUN
easat-8176	64	23	gate	gate	NOUN
easat-8176	64	24	2.4	2.4	NUM
easat-8176	64	25	.	.	PUNCT
easat-8176	65	1	trust	trust	NOUN
easat-8176	65	2	trust	trust	NOUN
easat-8176	65	3	serves	serve	VERB
easat-8176	65	4	as	as	ADP
easat-8176	65	5	a	a	DET
easat-8176	65	6	critical	critical	ADJ
easat-8176	65	7	antecedent	antecedent	NOUN
easat-8176	65	8	in	in	ADP
easat-8176	65	9	the	the	DET
easat-8176	65	10	adoption	adoption	NOUN
easat-8176	65	11	of	of	ADP
easat-8176	65	12	digital	digital	ADJ
easat-8176	65	13	financial	financial	ADJ
easat-8176	65	14	technologies	technology	NOUN
easat-8176	65	15	,	,	PUNCT
easat-8176	65	16	particularly	particularly	ADV
easat-8176	65	17	within	within	ADP
easat-8176	65	18	ecosystems	ecosystem	NOUN
easat-8176	65	19	characterized	characterize	VERB
easat-8176	65	20	by	by	ADP
easat-8176	65	21	heightened	heighten	VERB
easat-8176	65	22	sensitivity	sensitivity	NOUN
easat-8176	65	23	to	to	ADP
easat-8176	65	24	data	datum	NOUN
easat-8176	65	25	privacy	privacy	NOUN
easat-8176	65	26	and	and	CCONJ
easat-8176	65	27	the	the	DET
easat-8176	65	28	proliferation	proliferation	NOUN
easat-8176	65	29	of	of	ADP
easat-8176	65	30	cyber	cyber	ADJ
easat-8176	65	31	threats	threat	NOUN
easat-8176	65	32	.	.	PUNCT
easat-8176	66	1	users	user	NOUN
easat-8176	66	2	have	have	VERB
easat-8176	66	3	confidence	confidence	NOUN
easat-8176	66	4	in	in	ADP
easat-8176	66	5	the	the	DET
easat-8176	66	6	platform	platform	NOUN
easat-8176	66	7	’s	’s	PART
easat-8176	66	8	ability	ability	NOUN
easat-8176	66	9	to	to	PART
easat-8176	66	10	process	process	VERB
easat-8176	66	11	transactions	transaction	NOUN
easat-8176	66	12	in	in	ADP
easat-8176	66	13	a	a	DET
easat-8176	66	14	secure	secure	ADJ
easat-8176	66	15	and	and	CCONJ
easat-8176	66	16	dependable	dependable	ADJ
easat-8176	66	17	manner	manner	NOUN
easat-8176	66	18	,	,	PUNCT
easat-8176	66	19	while	while	SCONJ
easat-8176	66	20	conforming	conform	VERB
easat-8176	66	21	to	to	ADP
easat-8176	66	22	rigorous	rigorous	ADJ
easat-8176	66	23	standards	standard	NOUN
easat-8176	66	24	of	of	ADP
easat-8176	66	25	data	datum	NOUN
easat-8176	66	26	confidentiality	confidentiality	NOUN
easat-8176	66	27	,	,	PUNCT
easat-8176	66	28	system	system	NOUN
easat-8176	66	29	integrity	integrity	NOUN
easat-8176	66	30	,	,	PUNCT
easat-8176	66	31	and	and	CCONJ
easat-8176	66	32	regulatory	regulatory	ADJ
easat-8176	66	33	compliance	compliance	NOUN
easat-8176	66	34	[	[	X
easat-8176	66	35	20	20	NUM
easat-8176	66	36	]	]	PUNCT
easat-8176	66	37	.	.	PUNCT
easat-8176	67	1	without	without	ADP
easat-8176	67	2	a	a	DET
easat-8176	67	3	sufficient	sufficient	ADJ
easat-8176	67	4	level	level	NOUN
easat-8176	67	5	of	of	ADP
easat-8176	67	6	perceived	perceive	VERB
easat-8176	67	7	trust	trust	NOUN
easat-8176	67	8	,	,	PUNCT
easat-8176	67	9	users	user	NOUN
easat-8176	67	10	are	be	AUX
easat-8176	67	11	likely	likely	ADJ
easat-8176	67	12	to	to	PART
easat-8176	67	13	resist	resist	VERB
easat-8176	67	14	engaging	engage	VERB
easat-8176	67	15	with	with	ADP
easat-8176	67	16	such	such	ADJ
easat-8176	67	17	technologies	technology	NOUN
easat-8176	67	18	,	,	PUNCT
easat-8176	67	19	regardless	regardless	ADV
easat-8176	67	20	of	of	ADP
easat-8176	67	21	their	their	PRON
easat-8176	67	22	functionality	functionality	NOUN
easat-8176	67	23	or	or	CCONJ
easat-8176	67	24	convenience	convenience	NOUN
easat-8176	67	25	.	.	PUNCT
easat-8176	68	1	for	for	ADP
easat-8176	68	2	vietnamese	vietnamese	ADJ
easat-8176	68	3	consumers	consumer	NOUN
easat-8176	68	4	,	,	PUNCT
easat-8176	68	5	trust	trust	NOUN
easat-8176	68	6	is	be	AUX
easat-8176	68	7	crucial	crucial	ADJ
easat-8176	68	8	due	due	ADJ
easat-8176	68	9	to	to	ADP
easat-8176	68	10	heightened	heighten	VERB
easat-8176	68	11	sensitivity	sensitivity	NOUN
easat-8176	68	12	around	around	ADP
easat-8176	68	13	unauthorized	unauthorized	ADJ
easat-8176	68	14	access	access	NOUN
easat-8176	68	15	and	and	CCONJ
easat-8176	68	16	fraud	fraud	NOUN
easat-8176	68	17	[	[	X
easat-8176	68	18	21	21	NUM
easat-8176	68	19	]	]	PUNCT
easat-8176	68	20	.	.	PUNCT
easat-8176	69	1	empirical	empirical	ADJ
easat-8176	69	2	studies	study	NOUN
easat-8176	69	3	have	have	AUX
easat-8176	69	4	shown	show	VERB
easat-8176	69	5	that	that	SCONJ
easat-8176	69	6	when	when	SCONJ
easat-8176	69	7	individuals	individual	NOUN
easat-8176	69	8	perceive	perceive	VERB
easat-8176	69	9	nfc	nfc	NOUN
easat-8176	69	10	platforms	platform	NOUN
easat-8176	69	11	as	as	ADP
easat-8176	69	12	dependable	dependable	ADJ
easat-8176	69	13	and	and	CCONJ
easat-8176	69	14	secure	secure	ADJ
easat-8176	69	15	,	,	PUNCT
easat-8176	69	16	their	their	PRON
easat-8176	69	17	willingness	willingness	NOUN
easat-8176	69	18	to	to	PART
easat-8176	69	19	adopt	adopt	VERB
easat-8176	69	20	and	and	CCONJ
easat-8176	69	21	use	use	VERB
easat-8176	69	22	such	such	ADJ
easat-8176	69	23	services	service	NOUN
easat-8176	69	24	significantly	significantly	ADV
easat-8176	69	25	increases	increase	VERB
easat-8176	69	26	.	.	PUNCT
easat-8176	70	1	therefore	therefore	ADV
easat-8176	70	2	,	,	PUNCT
easat-8176	70	3	strengthening	strengthen	VERB
easat-8176	70	4	consumer	consumer	NOUN
easat-8176	70	5	trust	trust	NOUN
easat-8176	70	6	through	through	ADP
easat-8176	70	7	transparent	transparent	ADJ
easat-8176	70	8	practices	practice	NOUN
easat-8176	70	9	and	and	CCONJ
easat-8176	70	10	robust	robust	ADJ
easat-8176	70	11	cybersecurity	cybersecurity	NOUN
easat-8176	70	12	measures	measure	NOUN
easat-8176	70	13	is	be	AUX
easat-8176	70	14	essential	essential	ADJ
easat-8176	70	15	for	for	ADP
easat-8176	70	16	broadening	broaden	VERB
easat-8176	70	17	adoption	adoption	NOUN
easat-8176	70	18	.	.	PUNCT
easat-8176	71	1	h1	h1	PROPN
easat-8176	71	2	:	:	PUNCT
easat-8176	71	3	trust	trust	NOUN
easat-8176	71	4	has	have	VERB
easat-8176	71	5	a	a	DET
easat-8176	71	6	linear	linear	ADJ
easat-8176	71	7	correlation	correlation	NOUN
easat-8176	71	8	with	with	ADP
easat-8176	71	9	iunfc	iunfc	NOUN
easat-8176	71	10	.	.	PUNCT
easat-8176	72	1	2.5	2.5	NUM
easat-8176	72	2	.	.	PUNCT
easat-8176	73	1	perceived	perceive	VERB
easat-8176	73	2	ease	ease	NOUN
easat-8176	73	3	of	of	ADP
easat-8176	73	4	use	use	NOUN
easat-8176	73	5	peu	peu	NOUN
easat-8176	73	6	is	be	AUX
easat-8176	73	7	an	an	DET
easat-8176	73	8	integral	integral	ADJ
easat-8176	73	9	element	element	NOUN
easat-8176	73	10	of	of	ADP
easat-8176	73	11	the	the	DET
easat-8176	73	12	tam	tam	NOUN
easat-8176	73	13	which	which	PRON
easat-8176	73	14	was	be	AUX
easat-8176	73	15	created	create	VERB
easat-8176	73	16	by	by	ADP
easat-8176	73	17	davis	davis	PROPN
easat-8176	74	1	[	[	X
easat-8176	74	2	16	16	NUM
easat-8176	74	3	]	]	PUNCT
easat-8176	74	4	.	.	PUNCT
easat-8176	75	1	peu	peu	PROPN
easat-8176	75	2	is	be	AUX
easat-8176	75	3	essentially	essentially	ADV
easat-8176	75	4	a	a	DET
easat-8176	75	5	reflection	reflection	NOUN
easat-8176	75	6	of	of	ADP
easat-8176	75	7	the	the	DET
easat-8176	75	8	perceptions	perception	NOUN
easat-8176	75	9	of	of	ADP
easat-8176	75	10	users	user	NOUN
easat-8176	75	11	regarding	regard	VERB
easat-8176	75	12	the	the	DET
easat-8176	75	13	ease	ease	NOUN
easat-8176	75	14	,	,	PUNCT
easat-8176	75	15	accessibility	accessibility	NOUN
easat-8176	75	16	,	,	PUNCT
easat-8176	75	17	and	and	CCONJ
easat-8176	75	18	absence	absence	NOUN
easat-8176	75	19	of	of	ADP
easat-8176	75	20	obstacles	obstacle	NOUN
easat-8176	75	21	when	when	SCONJ
easat-8176	75	22	using	use	VERB
easat-8176	75	23	technology	technology	NOUN
easat-8176	75	24	.	.	PUNCT
easat-8176	76	1	the	the	DET
easat-8176	76	2	users	user	NOUN
easat-8176	76	3	will	will	AUX
easat-8176	76	4	be	be	AUX
easat-8176	76	5	less	less	ADV
easat-8176	76	6	likely	likely	ADJ
easat-8176	76	7	to	to	PART
easat-8176	76	8	face	face	VERB
easat-8176	76	9	psychological	psychological	ADJ
easat-8176	76	10	barriers	barrier	NOUN
easat-8176	76	11	or	or	CCONJ
easat-8176	76	12	feasibility	feasibility	NOUN
easat-8176	76	13	issues	issue	NOUN
easat-8176	76	14	in	in	ADP
easat-8176	76	15	implementing	implement	VERB
easat-8176	76	16	it	it	PRON
easat-8176	76	17	.	.	PUNCT
easat-8176	77	1	therefore	therefore	ADV
easat-8176	77	2	,	,	PUNCT
easat-8176	77	3	peu	peu	VERB
easat-8176	77	4	not	not	PART
easat-8176	77	5	only	only	ADV
easat-8176	77	6	directly	directly	ADV
easat-8176	77	7	affects	affect	VERB
easat-8176	77	8	users	user	NOUN
easat-8176	77	9	'	'	PART
easat-8176	77	10	attitudes	attitude	NOUN
easat-8176	77	11	towards	towards	ADP
easat-8176	77	12	technology	technology	NOUN
easat-8176	77	13	,	,	PUNCT
easat-8176	77	14	but	but	CCONJ
easat-8176	77	15	also	also	ADV
easat-8176	77	16	plays	play	VERB
easat-8176	77	17	the	the	DET
easat-8176	77	18	role	role	NOUN
easat-8176	77	19	of	of	ADP
easat-8176	77	20	a	a	DET
easat-8176	77	21	mediator	mediator	NOUN
easat-8176	77	22	in	in	ADP
easat-8176	77	23	facilitating	facilitate	VERB
easat-8176	77	24	perceived	perceive	VERB
easat-8176	77	25	usefulness	usefulness	NOUN
easat-8176	77	26	and	and	CCONJ
easat-8176	77	27	stimulating	stimulate	VERB
easat-8176	77	28	behavioral	behavioral	ADJ
easat-8176	77	29	intentions	intention	NOUN
easat-8176	77	30	to	to	PART
easat-8176	77	31	adopt	adopt	VERB
easat-8176	77	32	and	and	CCONJ
easat-8176	77	33	utilize	utilize	VERB
easat-8176	77	34	that	that	DET
easat-8176	77	35	technology	technology	NOUN
easat-8176	77	36	system	system	NOUN
easat-8176	77	37	in	in	ADP
easat-8176	77	38	practice	practice	NOUN
easat-8176	77	39	.	.	PUNCT
easat-8176	78	1	as	as	ADP
easat-8176	78	2	a	a	DET
easat-8176	78	3	cognitive	cognitive	ADJ
easat-8176	78	4	assessment	assessment	NOUN
easat-8176	78	5	,	,	PUNCT
easat-8176	78	6	peu	peu	PROPN
easat-8176	78	7	influences	influence	VERB
easat-8176	78	8	users	user	NOUN
easat-8176	78	9	'	'	PART
easat-8176	78	10	intentions	intention	NOUN
easat-8176	78	11	and	and	CCONJ
easat-8176	78	12	behavioral	behavioral	ADJ
easat-8176	78	13	perceptions	perception	NOUN
easat-8176	78	14	by	by	ADP
easat-8176	78	15	minimizing	minimize	VERB
easat-8176	78	16	psychological	psychological	ADJ
easat-8176	78	17	resistance	resistance	NOUN
easat-8176	78	18	and	and	CCONJ
easat-8176	78	19	making	make	VERB
easat-8176	78	20	it	it	PRON
easat-8176	78	21	easier	easy	ADJ
easat-8176	78	22	to	to	PART
easat-8176	78	23	integrate	integrate	VERB
easat-8176	78	24	the	the	DET
easat-8176	78	25	technology	technology	NOUN
easat-8176	78	26	into	into	ADP
easat-8176	78	27	everyday	everyday	ADJ
easat-8176	78	28	life	life	NOUN
easat-8176	78	29	.	.	PUNCT
easat-8176	79	1	systems	system	NOUN
easat-8176	79	2	that	that	PRON
easat-8176	79	3	are	be	AUX
easat-8176	79	4	thought	think	VERB
easat-8176	79	5	to	to	PART
easat-8176	79	6	be	be	AUX
easat-8176	79	7	user	user	NOUN
easat-8176	79	8	-	-	PUNCT
easat-8176	79	9	friendly	friendly	ADJ
easat-8176	79	10	will	will	AUX
easat-8176	79	11	evoke	evoke	VERB
easat-8176	79	12	favorable	favorable	ADJ
easat-8176	79	13	reactions	reaction	NOUN
easat-8176	79	14	from	from	ADP
easat-8176	79	15	users	user	NOUN
easat-8176	79	16	,	,	PUNCT
easat-8176	79	17	thus	thus	ADV
easat-8176	79	18	increasing	increase	VERB
easat-8176	79	19	the	the	DET
easat-8176	79	20	possibilities	possibility	NOUN
easat-8176	79	21	of	of	ADP
easat-8176	79	22	adoption	adoption	NOUN
easat-8176	79	23	and	and	CCONJ
easat-8176	79	24	long	long	ADJ
easat-8176	79	25	-	-	PUNCT
easat-8176	79	26	term	term	NOUN
easat-8176	79	27	utilization	utilization	NOUN
easat-8176	79	28	over	over	ADP
easat-8176	79	29	time	time	NOUN
easat-8176	79	30	.	.	PUNCT
easat-8176	80	1	this	this	DET
easat-8176	80	2	construct	construct	NOUN
easat-8176	80	3	encapsulates	encapsulate	VERB
easat-8176	80	4	users	user	NOUN
easat-8176	80	5	’	'	PUNCT
easat-8176	80	6	assessments	assessment	NOUN
easat-8176	80	7	of	of	ADP
easat-8176	80	8	the	the	DET
easat-8176	80	9	system	system	NOUN
easat-8176	80	10	’s	’s	PART
easat-8176	80	11	functional	functional	ADJ
easat-8176	80	12	simplicity	simplicity	NOUN
easat-8176	80	13	,	,	PUNCT
easat-8176	80	14	user	user	NOUN
easat-8176	80	15	interface	interface	NOUN
easat-8176	80	16	intuitiveness	intuitiveness	NOUN
easat-8176	80	17	,	,	PUNCT
easat-8176	80	18	and	and	CCONJ
easat-8176	80	19	overall	overall	ADJ
easat-8176	80	20	navigability	navigability	NOUN
easat-8176	80	21	.	.	PUNCT
easat-8176	81	1	in	in	ADP
easat-8176	81	2	this	this	DET
easat-8176	81	3	context	context	NOUN
easat-8176	81	4	,	,	PUNCT
easat-8176	81	5	peu	peu	PROPN
easat-8176	81	6	operates	operate	VERB
easat-8176	81	7	not	not	PART
easat-8176	81	8	merely	merely	ADV
easat-8176	81	9	as	as	ADP
easat-8176	81	10	a	a	DET
easat-8176	81	11	predictor	predictor	NOUN
easat-8176	81	12	of	of	ADP
easat-8176	81	13	behavioral	behavioral	ADJ
easat-8176	81	14	intention	intention	NOUN
easat-8176	81	15	,	,	PUNCT
easat-8176	81	16	but	but	CCONJ
easat-8176	81	17	also	also	ADV
easat-8176	81	18	as	as	ADP
easat-8176	81	19	a	a	DET
easat-8176	81	20	catalyst	catalyst	NOUN
easat-8176	81	21	for	for	ADP
easat-8176	81	22	increasing	increase	VERB
easat-8176	81	23	user	user	NOUN
easat-8176	81	24	confidence	confidence	NOUN
easat-8176	81	25	,	,	PUNCT
easat-8176	81	26	lowering	lower	VERB
easat-8176	81	27	learning	learning	NOUN
easat-8176	81	28	costs	cost	NOUN
easat-8176	81	29	,	,	PUNCT
easat-8176	81	30	and	and	CCONJ
easat-8176	81	31	fostering	foster	VERB
easat-8176	81	32	long	long	ADJ
easat-8176	81	33	-	-	PUNCT
easat-8176	81	34	term	term	NOUN
easat-8176	81	35	engagement	engagement	NOUN
easat-8176	81	36	with	with	ADP
easat-8176	81	37	technological	technological	ADJ
easat-8176	81	38	innovations	innovation	NOUN
easat-8176	81	39	.	.	PUNCT
easat-8176	82	1	in	in	ADP
easat-8176	82	2	nfc	nfc	NOUN
easat-8176	82	3	payment	payment	NOUN
easat-8176	82	4	contexts	context	NOUN
easat-8176	82	5	,	,	PUNCT
easat-8176	82	6	ease	ease	NOUN
easat-8176	82	7	of	of	ADP
easat-8176	82	8	use	use	NOUN
easat-8176	82	9	is	be	AUX
easat-8176	82	10	reflected	reflect	VERB
easat-8176	82	11	through	through	ADP
easat-8176	82	12	streamlined	streamline	VERB
easat-8176	82	13	processes	process	NOUN
easat-8176	82	14	such	such	ADJ
easat-8176	82	15	as	as	ADP
easat-8176	82	16	simple	simple	ADJ
easat-8176	82	17	registration	registration	NOUN
easat-8176	82	18	,	,	PUNCT
easat-8176	82	19	minimal	minimal	ADJ
easat-8176	82	20	input	input	NOUN
easat-8176	82	21	during	during	ADP
easat-8176	82	22	transactions	transaction	NOUN
easat-8176	82	23	,	,	PUNCT
easat-8176	82	24	and	and	CCONJ
easat-8176	82	25	intuitive	intuitive	ADJ
easat-8176	82	26	interface	interface	NOUN
easat-8176	82	27	designs	design	NOUN
easat-8176	82	28	.	.	PUNCT
easat-8176	83	1	the	the	DET
easat-8176	83	2	“	"	PUNCT
easat-8176	83	3	tap	tap	NOUN
easat-8176	83	4	-	-	PUNCT
easat-8176	83	5	and	and	CCONJ
easat-8176	83	6	-	-	PUNCT
easat-8176	83	7	go	go	VERB
easat-8176	83	8	”	"	PUNCT
easat-8176	83	9	functionality	functionality	NOUN
easat-8176	83	10	of	of	ADP
easat-8176	83	11	nfc	nfc	NOUN
easat-8176	83	12	minimizes	minimize	VERB
easat-8176	83	13	procedural	procedural	ADJ
easat-8176	83	14	complexity	complexity	NOUN
easat-8176	83	15	and	and	CCONJ
easat-8176	83	16	enhances	enhance	VERB
easat-8176	83	17	user	user	NOUN
easat-8176	83	18	satisfaction	satisfaction	NOUN
easat-8176	83	19	[	[	X
easat-8176	83	20	22	22	NUM
easat-8176	83	21	]	]	PUNCT
easat-8176	83	22	.	.	PUNCT
easat-8176	84	1	particularly	particularly	ADV
easat-8176	84	2	in	in	ADP
easat-8176	84	3	urban	urban	ADJ
easat-8176	84	4	areas	area	NOUN
easat-8176	84	5	like	like	ADP
easat-8176	84	6	ho	ho	PROPN
easat-8176	84	7	chi	chi	PROPN
easat-8176	84	8	minh	minh	PROPN
easat-8176	84	9	city	city	PROPN
easat-8176	84	10	,	,	PUNCT
easat-8176	84	11	where	where	SCONJ
easat-8176	84	12	digital	digital	ADJ
easat-8176	84	13	adoption	adoption	NOUN
easat-8176	84	14	varies	vary	VERB
easat-8176	84	15	by	by	ADP
easat-8176	84	16	age	age	NOUN
easat-8176	84	17	and	and	CCONJ
easat-8176	84	18	education	education	NOUN
easat-8176	84	19	,	,	PUNCT
easat-8176	84	20	a	a	DET
easat-8176	84	21	user	user	NOUN
easat-8176	84	22	-	-	PUNCT
easat-8176	84	23	friendly	friendly	ADJ
easat-8176	84	24	system	system	NOUN
easat-8176	84	25	can	can	AUX
easat-8176	84	26	significantly	significantly	ADV
easat-8176	84	27	lower	lower	VERB
easat-8176	84	28	psychological	psychological	ADJ
easat-8176	84	29	and	and	CCONJ
easat-8176	84	30	technical	technical	ADJ
easat-8176	84	31	barriers	barrier	NOUN
easat-8176	84	32	,	,	PUNCT
easat-8176	84	33	especially	especially	ADV
easat-8176	84	34	for	for	ADP
easat-8176	84	35	less	less	ADJ
easat-8176	84	36	tech	tech	NOUN
easat-8176	84	37	-	-	PUNCT
easat-8176	84	38	savvy	savvy	ADJ
easat-8176	84	39	populations	population	NOUN
easat-8176	84	40	[	[	X
easat-8176	84	41	23	23	NUM
easat-8176	84	42	]	]	PUNCT
easat-8176	84	43	.	.	PUNCT
easat-8176	85	1	enhancing	enhance	VERB
easat-8176	85	2	system	system	NOUN
easat-8176	85	3	simplicity	simplicity	NOUN
easat-8176	85	4	can	can	AUX
easat-8176	85	5	therefore	therefore	ADV
easat-8176	85	6	foster	foster	VERB
easat-8176	85	7	greater	great	ADJ
easat-8176	85	8	user	user	NOUN
easat-8176	85	9	engagement	engagement	NOUN
easat-8176	85	10	.	.	PUNCT
easat-8176	86	1	h2	h2	NOUN
easat-8176	86	2	:	:	PUNCT
easat-8176	86	3	perceived	perceive	VERB
easat-8176	86	4	ease	ease	NOUN
easat-8176	86	5	of	of	ADP
easat-8176	86	6	use	use	NOUN
easat-8176	86	7	has	have	VERB
easat-8176	86	8	a	a	DET
easat-8176	86	9	linear	linear	ADJ
easat-8176	86	10	correlation	correlation	NOUN
easat-8176	86	11	with	with	ADP
easat-8176	86	12	iunfc	iunfc	NOUN
easat-8176	86	13	.	.	PUNCT
easat-8176	87	1	2.6	2.6	NUM
easat-8176	87	2	.	.	PUNCT
easat-8176	87	3	perceived	perceive	VERB
easat-8176	87	4	usefulness	usefulness	NOUN
easat-8176	87	5	within	within	ADP
easat-8176	87	6	the	the	DET
easat-8176	87	7	tam	tam	NOUN
easat-8176	87	8	framework	framework	NOUN
easat-8176	87	9	,	,	PUNCT
easat-8176	87	10	pu	pu	PROPN
easat-8176	87	11	asserts	assert	VERB
easat-8176	87	12	that	that	SCONJ
easat-8176	87	13	it	it	PRON
easat-8176	87	14	is	be	AUX
easat-8176	87	15	not	not	PART
easat-8176	87	16	just	just	ADV
easat-8176	87	17	a	a	DET
easat-8176	87	18	question	question	NOUN
easat-8176	87	19	of	of	ADP
easat-8176	87	20	convenience	convenience	NOUN
easat-8176	87	21	,	,	PUNCT
easat-8176	87	22	but	but	CCONJ
easat-8176	87	23	rather	rather	ADV
easat-8176	87	24	a	a	DET
easat-8176	87	25	question	question	NOUN
easat-8176	87	26	of	of	ADP
easat-8176	87	27	the	the	DET
easat-8176	87	28	user	user	NOUN
easat-8176	87	29	's	's	PART
easat-8176	87	30	perception	perception	NOUN
easat-8176	87	31	that	that	SCONJ
easat-8176	87	32	the	the	DET
easat-8176	87	33	technology	technology	NOUN
easat-8176	87	34	has	have	AUX
easat-8176	87	35	an	an	DET
easat-8176	87	36	instrumental	instrumental	ADJ
easat-8176	87	37	role	role	NOUN
easat-8176	87	38	to	to	PART
easat-8176	87	39	play	play	VERB
easat-8176	87	40	in	in	ADP
easat-8176	87	41	the	the	DET
easat-8176	87	42	realization	realization	NOUN
easat-8176	87	43	of	of	ADP
easat-8176	87	44	professional	professional	ADJ
easat-8176	87	45	or	or	CCONJ
easat-8176	87	46	personal	personal	ADJ
easat-8176	87	47	objectives	objective	NOUN
easat-8176	87	48	.	.	PUNCT
easat-8176	88	1	where	where	SCONJ
easat-8176	88	2	users	user	NOUN
easat-8176	88	3	perceive	perceive	VERB
easat-8176	88	4	that	that	SCONJ
easat-8176	88	5	a	a	DET
easat-8176	88	6	system	system	NOUN
easat-8176	88	7	greatly	greatly	ADV
easat-8176	88	8	improves	improve	VERB
easat-8176	88	9	their	their	PRON
easat-8176	88	10	capacity	capacity	NOUN
easat-8176	88	11	by	by	ADP
easat-8176	88	12	automating	automate	VERB
easat-8176	88	13	tasks	task	NOUN
easat-8176	88	14	,	,	PUNCT
easat-8176	88	15	reducing	reduce	VERB
easat-8176	88	16	errors	error	NOUN
easat-8176	88	17	,	,	PUNCT
easat-8176	88	18	or	or	CCONJ
easat-8176	88	19	enabling	enable	VERB
easat-8176	88	20	enhanced	enhanced	ADJ
easat-8176	88	21	quality	quality	NOUN
easat-8176	88	22	results	result	NOUN
easat-8176	88	23	,	,	PUNCT
easat-8176	88	24	they	they	PRON
easat-8176	88	25	are	be	AUX
easat-8176	88	26	inclined	inclined	ADJ
easat-8176	88	27	to	to	PART
easat-8176	88	28	form	form	VERB
easat-8176	88	29	a	a	DET
easat-8176	88	30	favorable	favorable	ADJ
easat-8176	88	31	behavioral	behavioral	ADJ
easat-8176	88	32	attitude	attitude	NOUN
easat-8176	88	33	towards	towards	ADP
easat-8176	88	34	its	its	PRON
easat-8176	88	35	usage	usage	NOUN
easat-8176	88	36	and	and	CCONJ
easat-8176	88	37	adoption	adoption	NOUN
easat-8176	88	38	.	.	PUNCT
easat-8176	89	1	thus	thus	ADV
easat-8176	89	2	,	,	PUNCT
easat-8176	89	3	perceived	perceive	VERB
easat-8176	89	4	usefulness	usefulness	NOUN
easat-8176	89	5	(	(	PUNCT
easat-8176	89	6	pu	pu	PROPN
easat-8176	89	7	)	)	PUNCT
easat-8176	89	8	is	be	AUX
easat-8176	89	9	a	a	DET
easat-8176	89	10	key	key	ADJ
easat-8176	89	11	evaluative	evaluative	ADJ
easat-8176	89	12	metric	metric	NOUN
easat-8176	89	13	in	in	ADP
easat-8176	89	14	rational	rational	ADJ
easat-8176	89	15	choice	choice	NOUN
easat-8176	89	16	decision	decision	NOUN
easat-8176	89	17	models	model	NOUN
easat-8176	89	18	as	as	ADP
easat-8176	89	19	a	a	DET
easat-8176	89	20	mediating	mediate	VERB
easat-8176	89	21	construct	construct	NOUN
easat-8176	89	22	between	between	ADP
easat-8176	89	23	users	user	NOUN
easat-8176	89	24	'	'	PART
easat-8176	89	25	assessments	assessment	NOUN
easat-8176	89	26	of	of	ADP
easat-8176	89	27	technological	technological	ADJ
easat-8176	89	28	value	value	NOUN
easat-8176	89	29	and	and	CCONJ
easat-8176	89	30	their	their	PRON
easat-8176	89	31	intention	intention	NOUN
easat-8176	89	32	to	to	PART
easat-8176	89	33	adopt	adopt	VERB
easat-8176	89	34	and	and	CCONJ
easat-8176	89	35	utilize	utilize	VERB
easat-8176	89	36	digital	digital	ADJ
easat-8176	89	37	innovations	innovation	NOUN
easat-8176	89	38	at	at	ADP
easat-8176	89	39	both	both	CCONJ
easat-8176	89	40	organizational	organizational	ADJ
easat-8176	89	41	and	and	CCONJ
easat-8176	89	42	individual	individual	ADJ
easat-8176	89	43	levels	level	NOUN
easat-8176	89	44	.	.	PUNCT
easat-8176	90	1	meanwhile	meanwhile	ADV
easat-8176	90	2	,	,	PUNCT
easat-8176	90	3	perceived	perceive	VERB
easat-8176	90	4	value	value	NOUN
easat-8176	90	5	is	be	AUX
easat-8176	90	6	an	an	DET
easat-8176	90	7	essential	essential	ADJ
easat-8176	90	8	mental	mental	ADJ
easat-8176	90	9	measure	measure	NOUN
easat-8176	90	10	.	.	PUNCT
easat-8176	91	1	the	the	DET
easat-8176	91	2	perceived	perceive	VERB
easat-8176	91	3	usefulness	usefulness	NOUN
easat-8176	91	4	is	be	AUX
easat-8176	91	5	closely	closely	ADV
easat-8176	91	6	associated	associate	VERB
easat-8176	91	7	with	with	ADP
easat-8176	91	8	faster	fast	ADJ
easat-8176	91	9	transaction	transaction	NOUN
easat-8176	91	10	execution	execution	NOUN
easat-8176	91	11	,	,	PUNCT
easat-8176	91	12	improved	improved	ADJ
easat-8176	91	13	convenience	convenience	NOUN
easat-8176	91	14	,	,	PUNCT
easat-8176	91	15	and	and	CCONJ
easat-8176	91	16	better	well	ADJ
easat-8176	91	17	control	control	NOUN
easat-8176	91	18	over	over	ADP
easat-8176	91	19	personal	personal	ADJ
easat-8176	91	20	finances	finance	NOUN
easat-8176	91	21	,	,	PUNCT
easat-8176	91	22	all	all	PRON
easat-8176	91	23	of	of	ADP
easat-8176	91	24	which	which	PRON
easat-8176	91	25	contribute	contribute	VERB
easat-8176	91	26	to	to	ADP
easat-8176	91	27	a	a	DET
easat-8176	91	28	more	more	ADV
easat-8176	91	29	efficient	efficient	ADJ
easat-8176	91	30	and	and	CCONJ
easat-8176	91	31	user	user	NOUN
easat-8176	91	32	-	-	PUNCT
easat-8176	91	33	friendly	friendly	ADJ
easat-8176	91	34	payment	payment	NOUN
easat-8176	91	35	experience	experience	NOUN
easat-8176	91	36	.	.	PUNCT
easat-8176	92	1	by	by	ADP
easat-8176	92	2	eliminating	eliminate	VERB
easat-8176	92	3	the	the	DET
easat-8176	92	4	need	need	NOUN
easat-8176	92	5	for	for	ADP
easat-8176	92	6	physical	physical	ADJ
easat-8176	92	7	cash	cash	NOUN
easat-8176	92	8	handling	handling	NOUN
easat-8176	92	9	and	and	CCONJ
easat-8176	92	10	reducing	reduce	VERB
easat-8176	92	11	manual	manual	ADJ
easat-8176	92	12	steps	step	NOUN
easat-8176	92	13	like	like	ADP
easat-8176	92	14	card	card	NOUN
easat-8176	92	15	insertion	insertion	NOUN
easat-8176	92	16	or	or	CCONJ
easat-8176	92	17	pin	pin	NOUN
easat-8176	92	18	entry	entry	NOUN
easat-8176	92	19	,	,	PUNCT
easat-8176	92	20	nfc	nfc	NOUN
easat-8176	92	21	technology	technology	NOUN
easat-8176	92	22	significantly	significantly	ADV
easat-8176	92	23	streamlines	streamline	VERB
easat-8176	92	24	the	the	DET
easat-8176	92	25	payment	payment	NOUN
easat-8176	92	26	process	process	NOUN
easat-8176	92	27	[	[	X
easat-8176	92	28	22	22	NUM
easat-8176	92	29	]	]	PUNCT
easat-8176	92	30	.	.	PUNCT
easat-8176	93	1	the	the	DET
easat-8176	93	2	1493	1493	NUM
easat-8176	93	3	edelweiss	edelweiss	PROPN
easat-8176	93	4	applied	apply	VERB
easat-8176	93	5	science	science	NOUN
easat-8176	93	6	and	and	CCONJ
easat-8176	93	7	technology	technology	NOUN
easat-8176	93	8	issn	issn	PROPN
easat-8176	93	9	:	:	PUNCT
easat-8176	93	10	2576	2576	NUM
easat-8176	93	11	-	-	SYM
easat-8176	93	12	8484	8484	NUM
easat-8176	93	13	vol	vol	NOUN
easat-8176	93	14	.	.	PROPN
easat-8176	94	1	9	9	NUM
easat-8176	94	2	,	,	PUNCT
easat-8176	94	3	no	no	INTJ
easat-8176	94	4	.	.	NOUN
easat-8176	94	5	6	6	NUM
easat-8176	94	6	:	:	SYM
easat-8176	94	7	1490	1490	NUM
easat-8176	94	8	-	-	SYM
easat-8176	94	9	1502	1502	NUM
easat-8176	94	10	,	,	PUNCT
easat-8176	94	11	2025	2025	NUM
easat-8176	94	12	doi	doi	NOUN
easat-8176	94	13	:	:	PUNCT
easat-8176	94	14	10.55214/25768484.v9i6.8176	10.55214/25768484.v9i6.8176	PROPN
easat-8176	94	15	©	©	PROPN
easat-8176	94	16	2025	2025	NUM
easat-8176	94	17	by	by	ADP
easat-8176	94	18	the	the	DET
easat-8176	94	19	authors	author	NOUN
easat-8176	94	20	;	;	PUNCT
easat-8176	95	1	licensee	licensee	PROPN
easat-8176	95	2	learning	learn	VERB
easat-8176	95	3	gate	gate	NOUN
easat-8176	95	4	incorporation	incorporation	NOUN
easat-8176	95	5	of	of	ADP
easat-8176	95	6	security	security	NOUN
easat-8176	95	7	measures	measure	NOUN
easat-8176	95	8	such	such	ADJ
easat-8176	95	9	as	as	ADP
easat-8176	95	10	biometric	biometric	ADJ
easat-8176	95	11	verification	verification	NOUN
easat-8176	95	12	,	,	PUNCT
easat-8176	95	13	tokenization	tokenization	NOUN
easat-8176	95	14	,	,	PUNCT
easat-8176	95	15	and	and	CCONJ
easat-8176	95	16	encryption	encryption	NOUN
easat-8176	95	17	is	be	AUX
easat-8176	95	18	a	a	DET
easat-8176	95	19	main	main	ADJ
easat-8176	95	20	influencer	influencer	NOUN
easat-8176	95	21	of	of	ADP
easat-8176	95	22	perceived	perceive	VERB
easat-8176	95	23	usefulness	usefulness	NOUN
easat-8176	95	24	by	by	ADP
easat-8176	95	25	making	make	VERB
easat-8176	95	26	sure	sure	ADJ
easat-8176	95	27	fraud	fraud	NOUN
easat-8176	95	28	risk	risk	NOUN
easat-8176	95	29	is	be	AUX
easat-8176	95	30	evaded	evade	VERB
easat-8176	95	31	[	[	X
easat-8176	95	32	24	24	NUM
easat-8176	95	33	]	]	PUNCT
easat-8176	95	34	.	.	PUNCT
easat-8176	96	1	h3	h3	NOUN
easat-8176	96	2	:	:	PUNCT
easat-8176	96	3	perceived	perceive	VERB
easat-8176	96	4	usefulness	usefulness	NOUN
easat-8176	96	5	has	have	VERB
easat-8176	96	6	a	a	DET
easat-8176	96	7	linear	linear	ADJ
easat-8176	96	8	correlation	correlation	NOUN
easat-8176	96	9	with	with	ADP
easat-8176	96	10	iunfc	iunfc	NOUN
easat-8176	96	11	.	.	PUNCT
easat-8176	97	1	2.7	2.7	NUM
easat-8176	97	2	.	.	PUNCT
easat-8176	98	1	social	social	ADJ
easat-8176	98	2	influence	influence	NOUN
easat-8176	98	3	social	social	ADJ
easat-8176	98	4	influence	influence	NOUN
easat-8176	98	5	,	,	PUNCT
easat-8176	98	6	taken	take	VERB
easat-8176	98	7	from	from	ADP
easat-8176	98	8	tam2	tam2	PROPN
easat-8176	98	9	and	and	CCONJ
easat-8176	98	10	utaut	utaut	PROPN
easat-8176	98	11	,	,	PUNCT
easat-8176	98	12	represents	represent	VERB
easat-8176	98	13	the	the	DET
easat-8176	98	14	impact	impact	NOUN
easat-8176	98	15	of	of	ADP
easat-8176	98	16	peers	peer	NOUN
easat-8176	98	17	,	,	PUNCT
easat-8176	98	18	family	family	NOUN
easat-8176	98	19	,	,	PUNCT
easat-8176	98	20	and	and	CCONJ
easat-8176	98	21	the	the	DET
easat-8176	98	22	broader	broad	ADJ
easat-8176	98	23	social	social	ADJ
easat-8176	98	24	networks	network	NOUN
easat-8176	98	25	on	on	ADP
easat-8176	98	26	individuals	individual	NOUN
easat-8176	98	27	'	'	PART
easat-8176	98	28	adoption	adoption	NOUN
easat-8176	98	29	decisions	decision	NOUN
easat-8176	98	30	for	for	ADP
easat-8176	98	31	technology	technology	NOUN
easat-8176	98	32	[	[	X
easat-8176	98	33	17	17	NUM
easat-8176	98	34	]	]	PUNCT
easat-8176	98	35	.	.	PUNCT
easat-8176	99	1	in	in	ADP
easat-8176	99	2	collectivist	collectivist	ADJ
easat-8176	99	3	vietnamese	vietnamese	ADJ
easat-8176	99	4	society	society	NOUN
easat-8176	99	5	,	,	PUNCT
easat-8176	99	6	where	where	SCONJ
easat-8176	99	7	interpersonal	interpersonal	ADJ
easat-8176	99	8	relationships	relationship	NOUN
easat-8176	99	9	and	and	CCONJ
easat-8176	99	10	social	social	ADJ
easat-8176	99	11	norms	norm	NOUN
easat-8176	99	12	are	be	AUX
easat-8176	99	13	highly	highly	ADV
easat-8176	99	14	valued	value	VERB
easat-8176	99	15	,	,	PUNCT
easat-8176	99	16	adoption	adoption	NOUN
easat-8176	99	17	of	of	ADP
easat-8176	99	18	digital	digital	ADJ
easat-8176	99	19	tools	tool	NOUN
easat-8176	99	20	will	will	AUX
easat-8176	99	21	more	more	ADV
easat-8176	99	22	likely	likely	ADV
easat-8176	99	23	be	be	AUX
easat-8176	99	24	determined	determine	VERB
easat-8176	99	25	by	by	ADP
easat-8176	99	26	perceived	perceive	VERB
easat-8176	99	27	social	social	ADJ
easat-8176	99	28	acceptance	acceptance	NOUN
easat-8176	99	29	by	by	ADP
easat-8176	99	30	the	the	DET
easat-8176	99	31	immediate	immediate	ADJ
easat-8176	99	32	social	social	ADJ
easat-8176	99	33	circle	circle	NOUN
easat-8176	100	1	[	[	X
easat-8176	100	2	15	15	NUM
easat-8176	100	3	]	]	PUNCT
easat-8176	100	4	.	.	PUNCT
easat-8176	101	1	peer	peer	NOUN
easat-8176	101	2	suggestions	suggestion	NOUN
easat-8176	101	3	and	and	CCONJ
easat-8176	101	4	opinions	opinion	NOUN
easat-8176	101	5	of	of	ADP
easat-8176	101	6	opinion	opinion	NOUN
easat-8176	101	7	leaders	leader	NOUN
easat-8176	101	8	shared	share	VERB
easat-8176	101	9	via	via	ADP
easat-8176	101	10	social	social	ADJ
easat-8176	101	11	media	medium	NOUN
easat-8176	101	12	platforms	platform	NOUN
easat-8176	101	13	like	like	ADP
easat-8176	101	14	facebook	facebook	NOUN
easat-8176	101	15	and	and	CCONJ
easat-8176	101	16	tiktok	tiktok	NOUN
easat-8176	101	17	are	be	AUX
easat-8176	101	18	strong	strong	ADJ
easat-8176	101	19	influencers	influencer	NOUN
easat-8176	101	20	.	.	PUNCT
easat-8176	102	1	public	public	ADJ
easat-8176	102	2	advertising	advertising	NOUN
easat-8176	102	3	campaigns	campaign	NOUN
easat-8176	102	4	and	and	CCONJ
easat-8176	102	5	partnerships	partnership	NOUN
easat-8176	102	6	with	with	ADP
easat-8176	102	7	other	other	ADJ
easat-8176	102	8	businesses	business	NOUN
easat-8176	102	9	also	also	ADV
easat-8176	102	10	assist	assist	VERB
easat-8176	102	11	in	in	ADP
easat-8176	102	12	attaining	attain	VERB
easat-8176	102	13	societal	societal	ADJ
easat-8176	102	14	acceptance	acceptance	NOUN
easat-8176	102	15	.	.	PUNCT
easat-8176	103	1	seeing	see	VERB
easat-8176	103	2	others	other	NOUN
easat-8176	103	3	use	use	VERB
easat-8176	103	4	nfc	nfc	NOUN
easat-8176	103	5	technology	technology	NOUN
easat-8176	103	6	in	in	ADP
easat-8176	103	7	a	a	DET
easat-8176	103	8	secure	secure	ADJ
easat-8176	103	9	setting	setting	NOUN
easat-8176	103	10	lessens	lessen	VERB
easat-8176	103	11	users	user	NOUN
easat-8176	103	12	'	'	PART
easat-8176	103	13	fear	fear	NOUN
easat-8176	103	14	and	and	CCONJ
easat-8176	103	15	boosts	boost	VERB
easat-8176	103	16	their	their	PRON
easat-8176	103	17	confidence	confidence	NOUN
easat-8176	103	18	.	.	PUNCT
easat-8176	104	1	h4	h4	NOUN
easat-8176	104	2	:	:	PUNCT
easat-8176	104	3	social	social	ADJ
easat-8176	104	4	influence	influence	NOUN
easat-8176	104	5	has	have	VERB
easat-8176	104	6	a	a	DET
easat-8176	104	7	linear	linear	ADJ
easat-8176	104	8	correlation	correlation	NOUN
easat-8176	104	9	with	with	ADP
easat-8176	104	10	iunfc	iunfc	NOUN
easat-8176	104	11	.	.	PUNCT
easat-8176	105	1	2.8	2.8	NUM
easat-8176	105	2	.	.	PUNCT
easat-8176	105	3	technological	technological	ADJ
easat-8176	105	4	readiness	readiness	ADJ
easat-8176	105	5	technological	technological	ADJ
easat-8176	105	6	readiness	readiness	NOUN
easat-8176	105	7	is	be	AUX
easat-8176	105	8	one	one	NUM
easat-8176	105	9	's	's	PART
easat-8176	105	10	predisposition	predisposition	NOUN
easat-8176	105	11	and	and	CCONJ
easat-8176	105	12	propensity	propensity	NOUN
easat-8176	105	13	to	to	PART
easat-8176	105	14	adopt	adopt	VERB
easat-8176	105	15	new	new	ADJ
easat-8176	105	16	technologies	technology	NOUN
easat-8176	105	17	,	,	PUNCT
easat-8176	105	18	psychological	psychological	ADJ
easat-8176	105	19	characteristics	characteristic	NOUN
easat-8176	105	20	and	and	CCONJ
easat-8176	105	21	technical	technical	ADJ
easat-8176	105	22	skill	skill	NOUN
easat-8176	105	23	[	[	X
easat-8176	105	24	25	25	NUM
easat-8176	105	25	]	]	PUNCT
easat-8176	105	26	.	.	PUNCT
easat-8176	106	1	optimism	optimism	NOUN
easat-8176	106	2	,	,	PUNCT
easat-8176	106	3	innovativeness	innovativeness	NOUN
easat-8176	106	4	,	,	PUNCT
easat-8176	106	5	discomfort	discomfort	NOUN
easat-8176	106	6	,	,	PUNCT
easat-8176	106	7	and	and	CCONJ
easat-8176	106	8	insecurity	insecurity	NOUN
easat-8176	106	9	form	form	NOUN
easat-8176	106	10	technological	technological	ADJ
easat-8176	106	11	readiness	readiness	NOUN
easat-8176	106	12	.	.	PUNCT
easat-8176	107	1	those	those	PRON
easat-8176	107	2	who	who	PRON
easat-8176	107	3	are	be	AUX
easat-8176	107	4	digitally	digitally	ADV
easat-8176	107	5	more	more	ADV
easat-8176	107	6	-	-	PUNCT
easat-8176	107	7	savvy	savvy	ADJ
easat-8176	107	8	are	be	AUX
easat-8176	107	9	inclined	incline	VERB
easat-8176	107	10	to	to	PART
easat-8176	107	11	be	be	AUX
easat-8176	107	12	enthusiastic	enthusiastic	ADJ
easat-8176	107	13	about	about	ADP
easat-8176	107	14	trying	try	VERB
easat-8176	107	15	out	out	ADP
easat-8176	107	16	new	new	ADJ
easat-8176	107	17	tools	tool	NOUN
easat-8176	107	18	and	and	CCONJ
easat-8176	107	19	have	have	VERB
easat-8176	107	20	greater	great	ADJ
easat-8176	107	21	adaptability	adaptability	NOUN
easat-8176	107	22	in	in	ADP
easat-8176	107	23	learning	learn	VERB
easat-8176	107	24	digital	digital	ADJ
easat-8176	107	25	systems	system	NOUN
easat-8176	108	1	[	[	X
easat-8176	108	2	18	18	NUM
easat-8176	108	3	]	]	PUNCT
easat-8176	108	4	.	.	PUNCT
easat-8176	109	1	those	those	PRON
easat-8176	109	2	who	who	PRON
easat-8176	109	3	are	be	AUX
easat-8176	109	4	digitally	digitally	ADV
easat-8176	109	5	less	less	ADV
easat-8176	109	6	-	-	PUNCT
easat-8176	109	7	savvy	savvy	ADJ
easat-8176	109	8	or	or	CCONJ
easat-8176	109	9	anxious	anxious	ADJ
easat-8176	109	10	are	be	AUX
easat-8176	109	11	more	more	ADV
easat-8176	109	12	resistant	resistant	ADJ
easat-8176	109	13	.	.	PUNCT
easat-8176	110	1	vietnam	vietnam	PROPN
easat-8176	110	2	's	's	PART
easat-8176	110	3	readiness	readiness	NOUN
easat-8176	110	4	is	be	AUX
easat-8176	110	5	not	not	PART
easat-8176	110	6	generic	generic	ADJ
easat-8176	110	7	the	the	DET
easat-8176	110	8	younger	young	ADJ
easat-8176	110	9	and	and	CCONJ
easat-8176	110	10	urban	urban	ADJ
easat-8176	110	11	dwellers	dweller	NOUN
easat-8176	110	12	are	be	AUX
easat-8176	110	13	more	more	ADV
easat-8176	110	14	apt	apt	ADJ
easat-8176	110	15	to	to	PART
easat-8176	110	16	be	be	AUX
easat-8176	110	17	receptive	receptive	ADJ
easat-8176	110	18	than	than	ADP
easat-8176	110	19	the	the	DET
easat-8176	110	20	older	old	ADJ
easat-8176	110	21	or	or	CCONJ
easat-8176	110	22	rural	rural	ADJ
easat-8176	110	23	communities	community	NOUN
easat-8176	111	1	[	[	X
easat-8176	111	2	26	26	NUM
easat-8176	111	3	]	]	PUNCT
easat-8176	111	4	.	.	PUNCT
easat-8176	112	1	focused	focus	VERB
easat-8176	112	2	online	online	ADJ
easat-8176	112	3	training	training	NOUN
easat-8176	112	4	and	and	CCONJ
easat-8176	112	5	intuitive	intuitive	ADJ
easat-8176	112	6	interfaces	interface	NOUN
easat-8176	112	7	can	can	AUX
easat-8176	112	8	increase	increase	VERB
easat-8176	112	9	the	the	DET
easat-8176	112	10	readiness	readiness	NOUN
easat-8176	112	11	level	level	NOUN
easat-8176	112	12	and	and	CCONJ
easat-8176	112	13	ease	ease	VERB
easat-8176	112	14	adoption	adoption	NOUN
easat-8176	112	15	.	.	PUNCT
easat-8176	113	1	h5	h5	NOUN
easat-8176	113	2	:	:	PUNCT
easat-8176	113	3	technological	technological	ADJ
easat-8176	113	4	readiness	readiness	NOUN
easat-8176	113	5	has	have	VERB
easat-8176	113	6	a	a	DET
easat-8176	113	7	linear	linear	ADJ
easat-8176	113	8	correlation	correlation	NOUN
easat-8176	113	9	with	with	ADP
easat-8176	113	10	iunfc	iunfc	NOUN
easat-8176	113	11	.	.	PUNCT
easat-8176	114	1	2.9	2.9	NUM
easat-8176	114	2	.	.	PUNCT
easat-8176	114	3	service	service	NOUN
easat-8176	114	4	quality	quality	NOUN
easat-8176	114	5	service	service	NOUN
easat-8176	114	6	quality	quality	NOUN
easat-8176	114	7	significantly	significantly	ADV
easat-8176	114	8	influences	influence	VERB
easat-8176	114	9	users	user	NOUN
easat-8176	114	10	’	'	PUNCT
easat-8176	114	11	satisfaction	satisfaction	NOUN
easat-8176	114	12	and	and	CCONJ
easat-8176	114	13	behavioral	behavioral	ADJ
easat-8176	114	14	intentions	intention	NOUN
easat-8176	114	15	in	in	ADP
easat-8176	114	16	digital	digital	ADJ
easat-8176	114	17	payment	payment	NOUN
easat-8176	114	18	systems	system	NOUN
easat-8176	114	19	.	.	PUNCT
easat-8176	115	1	elements	element	NOUN
easat-8176	115	2	like	like	ADP
easat-8176	115	3	responsiveness	responsiveness	NOUN
easat-8176	115	4	,	,	PUNCT
easat-8176	115	5	reliability	reliability	NOUN
easat-8176	115	6	,	,	PUNCT
easat-8176	115	7	and	and	CCONJ
easat-8176	115	8	system	system	NOUN
easat-8176	115	9	efficiency	efficiency	NOUN
easat-8176	115	10	enhance	enhance	VERB
easat-8176	115	11	user	user	NOUN
easat-8176	115	12	trust	trust	NOUN
easat-8176	115	13	and	and	CCONJ
easat-8176	115	14	experience	experience	NOUN
easat-8176	115	15	,	,	PUNCT
easat-8176	115	16	thereby	thereby	ADV
easat-8176	115	17	encouraging	encourage	VERB
easat-8176	115	18	continued	continued	ADJ
easat-8176	115	19	use	use	NOUN
easat-8176	115	20	and	and	CCONJ
easat-8176	115	21	long	long	ADJ
easat-8176	115	22	-	-	PUNCT
easat-8176	115	23	term	term	NOUN
easat-8176	115	24	adoption	adoption	NOUN
easat-8176	115	25	.	.	PUNCT
easat-8176	116	1	key	key	ADJ
easat-8176	116	2	components	component	NOUN
easat-8176	116	3	of	of	ADP
easat-8176	116	4	service	service	NOUN
easat-8176	116	5	quality	quality	NOUN
easat-8176	116	6	include	include	VERB
easat-8176	116	7	system	system	NOUN
easat-8176	116	8	reliability	reliability	NOUN
easat-8176	116	9	,	,	PUNCT
easat-8176	116	10	speed	speed	NOUN
easat-8176	116	11	,	,	PUNCT
easat-8176	116	12	security	security	NOUN
easat-8176	116	13	,	,	PUNCT
easat-8176	116	14	user	user	NOUN
easat-8176	116	15	support	support	NOUN
easat-8176	116	16	,	,	PUNCT
easat-8176	116	17	and	and	CCONJ
easat-8176	116	18	transparency	transparency	NOUN
easat-8176	116	19	of	of	ADP
easat-8176	116	20	information	information	NOUN
easat-8176	116	21	[	[	X
easat-8176	116	22	27	27	NUM
easat-8176	116	23	]	]	PUNCT
easat-8176	116	24	.	.	PUNCT
easat-8176	117	1	in	in	ADP
easat-8176	117	2	mobile	mobile	ADJ
easat-8176	117	3	payment	payment	NOUN
easat-8176	117	4	contexts	context	NOUN
easat-8176	117	5	,	,	PUNCT
easat-8176	117	6	users	user	NOUN
easat-8176	117	7	expect	expect	VERB
easat-8176	117	8	seamless	seamless	ADJ
easat-8176	117	9	functionality	functionality	NOUN
easat-8176	117	10	and	and	CCONJ
easat-8176	117	11	quick	quick	ADJ
easat-8176	117	12	resolution	resolution	NOUN
easat-8176	117	13	of	of	ADP
easat-8176	117	14	technical	technical	ADJ
easat-8176	117	15	issues	issue	NOUN
easat-8176	117	16	.	.	PUNCT
easat-8176	118	1	failure	failure	NOUN
easat-8176	118	2	in	in	ADP
easat-8176	118	3	any	any	PRON
easat-8176	118	4	of	of	ADP
easat-8176	118	5	these	these	DET
easat-8176	118	6	aspects	aspect	NOUN
easat-8176	118	7	can	can	AUX
easat-8176	118	8	undermine	undermine	VERB
easat-8176	118	9	user	user	NOUN
easat-8176	118	10	trust	trust	NOUN
easat-8176	118	11	and	and	CCONJ
easat-8176	118	12	discourage	discourage	VERB
easat-8176	118	13	repeat	repeat	NOUN
easat-8176	118	14	use	use	NOUN
easat-8176	118	15	[	[	X
easat-8176	118	16	3	3	NUM
easat-8176	118	17	]	]	PUNCT
easat-8176	118	18	.	.	PUNCT
easat-8176	119	1	effective	effective	ADJ
easat-8176	119	2	customer	customer	NOUN
easat-8176	119	3	service	service	NOUN
easat-8176	119	4	through	through	ADP
easat-8176	119	5	real	real	ADJ
easat-8176	119	6	-	-	PUNCT
easat-8176	119	7	time	time	NOUN
easat-8176	119	8	chat	chat	NOUN
easat-8176	119	9	,	,	PUNCT
easat-8176	119	10	clear	clear	ADJ
easat-8176	119	11	user	user	NOUN
easat-8176	119	12	instructions	instruction	NOUN
easat-8176	119	13	,	,	PUNCT
easat-8176	119	14	and	and	CCONJ
easat-8176	119	15	error	error	NOUN
easat-8176	119	16	handling	handling	NOUN
easat-8176	119	17	can	can	AUX
easat-8176	119	18	enhance	enhance	VERB
easat-8176	119	19	satisfaction	satisfaction	NOUN
easat-8176	119	20	and	and	CCONJ
easat-8176	119	21	promote	promote	VERB
easat-8176	119	22	loyalty	loyalty	NOUN
easat-8176	119	23	[	[	X
easat-8176	119	24	8	8	NUM
easat-8176	119	25	]	]	PUNCT
easat-8176	119	26	.	.	PUNCT
easat-8176	120	1	robust	robust	ADJ
easat-8176	120	2	security	security	NOUN
easat-8176	120	3	features	feature	NOUN
easat-8176	120	4	also	also	ADV
easat-8176	120	5	reinforce	reinforce	VERB
easat-8176	120	6	confidence	confidence	NOUN
easat-8176	120	7	,	,	PUNCT
easat-8176	120	8	which	which	PRON
easat-8176	120	9	is	be	AUX
easat-8176	120	10	critical	critical	ADJ
easat-8176	120	11	in	in	ADP
easat-8176	120	12	encouraging	encourage	VERB
easat-8176	120	13	sustained	sustained	ADJ
easat-8176	120	14	adoption	adoption	NOUN
easat-8176	120	15	.	.	PUNCT
easat-8176	121	1	h6	h6	NOUN
easat-8176	121	2	:	:	PUNCT
easat-8176	121	3	service	service	NOUN
easat-8176	121	4	quality	quality	NOUN
easat-8176	121	5	has	have	VERB
easat-8176	121	6	a	a	DET
easat-8176	121	7	linear	linear	ADJ
easat-8176	121	8	correlation	correlation	NOUN
easat-8176	121	9	with	with	ADP
easat-8176	121	10	iunfc	iunfc	NOUN
easat-8176	121	11	.	.	PUNCT
easat-8176	122	1	2.10	2.10	NUM
easat-8176	122	2	.	.	PUNCT
easat-8176	122	3	proposed	propose	VERB
easat-8176	122	4	research	research	NOUN
easat-8176	122	5	model	model	NOUN
easat-8176	122	6	grounded	ground	VERB
easat-8176	122	7	in	in	ADP
easat-8176	122	8	an	an	DET
easat-8176	122	9	extensive	extensive	ADJ
easat-8176	122	10	examination	examination	NOUN
easat-8176	122	11	of	of	ADP
easat-8176	122	12	past	past	ADJ
easat-8176	122	13	research	research	NOUN
easat-8176	122	14	,	,	PUNCT
easat-8176	122	15	extensive	extensive	ADJ
easat-8176	122	16	consultations	consultation	NOUN
easat-8176	122	17	with	with	ADP
easat-8176	122	18	stakeholders	stakeholder	NOUN
easat-8176	122	19	involved	involve	VERB
easat-8176	122	20	,	,	PUNCT
easat-8176	122	21	and	and	CCONJ
easat-8176	122	22	a	a	DET
easat-8176	122	23	consistent	consistent	ADJ
easat-8176	122	24	fit	fit	NOUN
easat-8176	122	25	with	with	ADP
easat-8176	122	26	the	the	DET
easat-8176	122	27	research	research	NOUN
easat-8176	122	28	emphasis	emphasis	NOUN
easat-8176	122	29	,	,	PUNCT
easat-8176	122	30	this	this	DET
easat-8176	122	31	study	study	NOUN
easat-8176	122	32	develops	develop	VERB
easat-8176	122	33	an	an	DET
easat-8176	122	34	extended	extended	ADJ
easat-8176	122	35	conceptual	conceptual	ADJ
easat-8176	122	36	model	model	NOUN
easat-8176	122	37	.	.	PUNCT
easat-8176	123	1	founded	found	VERB
easat-8176	123	2	on	on	ADP
easat-8176	123	3	the	the	DET
easat-8176	123	4	tam	tam	NOUN
easat-8176	123	5	pillars	pillar	NOUN
easat-8176	123	6	,	,	PUNCT
easat-8176	123	7	the	the	DET
easat-8176	123	8	model	model	NOUN
easat-8176	123	9	is	be	AUX
easat-8176	123	10	adapted	adapt	VERB
easat-8176	123	11	to	to	PART
easat-8176	123	12	address	address	VERB
easat-8176	123	13	the	the	DET
easat-8176	123	14	situational	situational	ADJ
easat-8176	123	15	specifics	specific	NOUN
easat-8176	123	16	of	of	ADP
easat-8176	123	17	the	the	DET
easat-8176	123	18	study	study	NOUN
easat-8176	123	19	context	context	NOUN
easat-8176	123	20	.	.	PUNCT
easat-8176	124	1	the	the	DET
easat-8176	124	2	proposed	propose	VERB
easat-8176	124	3	model	model	NOUN
easat-8176	124	4	,	,	PUNCT
easat-8176	124	5	titled	title	VERB
easat-8176	124	6	"	"	PUNCT
easat-8176	124	7	factors	factor	NOUN
easat-8176	124	8	affecting	affect	VERB
easat-8176	124	9	individual	individual	ADJ
easat-8176	124	10	consumers	consumer	NOUN
easat-8176	124	11	'	'	PART
easat-8176	124	12	intention	intention	NOUN
easat-8176	124	13	to	to	PART
easat-8176	124	14	use	use	VERB
easat-8176	124	15	nfc	nfc	NOUN
easat-8176	124	16	mobile	mobile	ADJ
easat-8176	124	17	payment	payment	NOUN
easat-8176	124	18	services	service	NOUN
easat-8176	124	19	in	in	ADP
easat-8176	124	20	ho	ho	PROPN
easat-8176	124	21	chi	chi	PROPN
easat-8176	124	22	minh	minh	PROPN
easat-8176	124	23	city	city	NOUN
easat-8176	124	24	,	,	PUNCT
easat-8176	124	25	"	"	PUNCT
easat-8176	124	26	comprises	comprise	VERB
easat-8176	124	27	six	six	NUM
easat-8176	124	28	core	core	NOUN
easat-8176	124	29	constructs	construct	NOUN
easat-8176	124	30	:	:	PUNCT
easat-8176	124	31	(	(	PUNCT
easat-8176	124	32	1	1	X
easat-8176	124	33	)	)	PUNCT
easat-8176	124	34	trust	trust	NOUN
easat-8176	124	35	(	(	PUNCT
easat-8176	124	36	tr	tr	VERB
easat-8176	124	37	)	)	PUNCT
easat-8176	124	38	,	,	PUNCT
easat-8176	124	39	(	(	PUNCT
easat-8176	124	40	2	2	X
easat-8176	124	41	)	)	PUNCT
easat-8176	124	42	perceived	perceive	VERB
easat-8176	124	43	ease	ease	NOUN
easat-8176	124	44	of	of	ADP
easat-8176	124	45	use	use	NOUN
easat-8176	124	46	(	(	PUNCT
easat-8176	124	47	peu	peu	NOUN
easat-8176	124	48	)	)	PUNCT
easat-8176	124	49	,	,	PUNCT
easat-8176	124	50	(	(	PUNCT
easat-8176	124	51	3	3	X
easat-8176	124	52	)	)	PUNCT
easat-8176	124	53	perceived	perceive	VERB
easat-8176	124	54	usefulness	usefulness	NOUN
easat-8176	124	55	(	(	PUNCT
easat-8176	124	56	pu	pu	PROPN
easat-8176	124	57	)	)	PUNCT
easat-8176	124	58	,	,	PUNCT
easat-8176	124	59	(	(	PUNCT
easat-8176	124	60	4	4	X
easat-8176	124	61	)	)	PUNCT
easat-8176	124	62	social	social	ADJ
easat-8176	124	63	influence	influence	NOUN
easat-8176	124	64	(	(	PUNCT
easat-8176	124	65	si	si	NOUN
easat-8176	124	66	)	)	PUNCT
easat-8176	124	67	,	,	PUNCT
easat-8176	124	68	(	(	PUNCT
easat-8176	124	69	5	5	X
easat-8176	124	70	)	)	PUNCT
easat-8176	124	71	technological	technological	ADJ
easat-8176	124	72	readiness	readiness	NOUN
easat-8176	124	73	(	(	PUNCT
easat-8176	124	74	tr	tr	VERB
easat-8176	124	75	)	)	PUNCT
easat-8176	124	76	,	,	PUNCT
easat-8176	124	77	and	and	CCONJ
easat-8176	124	78	(	(	PUNCT
easat-8176	124	79	6	6	NUM
easat-8176	124	80	)	)	PUNCT
easat-8176	124	81	service	service	NOUN
easat-8176	124	82	quality	quality	NOUN
easat-8176	124	83	(	(	PUNCT
easat-8176	124	84	sq	sq	ADJ
easat-8176	124	85	)	)	PUNCT
easat-8176	124	86	.	.	PUNCT
easat-8176	125	1	the	the	DET
easat-8176	125	2	theoretical	theoretical	ADJ
easat-8176	125	3	relationships	relationship	NOUN
easat-8176	125	4	between	between	ADP
easat-8176	125	5	the	the	DET
easat-8176	125	6	variables	variable	NOUN
easat-8176	125	7	are	be	AUX
easat-8176	125	8	presented	present	VERB
easat-8176	125	9	in	in	ADP
easat-8176	125	10	the	the	DET
easat-8176	125	11	following	follow	VERB
easat-8176	125	12	figure	figure	NOUN
easat-8176	125	13	.	.	PUNCT
easat-8176	126	1	1494	1494	NUM
easat-8176	126	2	edelweiss	edelweiss	PROPN
easat-8176	126	3	applied	apply	VERB
easat-8176	126	4	science	science	NOUN
easat-8176	126	5	and	and	CCONJ
easat-8176	126	6	technology	technology	NOUN
easat-8176	126	7	issn	issn	PROPN
easat-8176	126	8	:	:	PUNCT
easat-8176	126	9	2576	2576	NUM
easat-8176	126	10	-	-	SYM
easat-8176	126	11	8484	8484	NUM
easat-8176	126	12	vol	vol	NOUN
easat-8176	126	13	.	.	PROPN
easat-8176	127	1	9	9	NUM
easat-8176	127	2	,	,	PUNCT
easat-8176	127	3	no	no	INTJ
easat-8176	127	4	.	.	NOUN
easat-8176	127	5	6	6	NUM
easat-8176	127	6	:	:	SYM
easat-8176	127	7	1490	1490	NUM
easat-8176	127	8	-	-	SYM
easat-8176	127	9	1502	1502	NUM
easat-8176	127	10	,	,	PUNCT
easat-8176	127	11	2025	2025	NUM
easat-8176	127	12	doi	doi	NOUN
easat-8176	127	13	:	:	PUNCT
easat-8176	127	14	10.55214/25768484.v9i6.8176	10.55214/25768484.v9i6.8176	PROPN
easat-8176	127	15	©	©	PROPN
easat-8176	127	16	2025	2025	NUM
easat-8176	127	17	by	by	ADP
easat-8176	127	18	the	the	DET
easat-8176	127	19	authors	author	NOUN
easat-8176	127	20	;	;	PUNCT
easat-8176	127	21	licensee	licensee	PROPN
easat-8176	127	22	learning	learn	VERB
easat-8176	127	23	gate	gate	NOUN
easat-8176	127	24	figure	figure	NOUN
easat-8176	127	25	1	1	NUM
easat-8176	127	26	.	.	PUNCT
easat-8176	127	27	proposed	propose	VERB
easat-8176	127	28	research	research	NOUN
easat-8176	127	29	model	model	NOUN
easat-8176	127	30	.	.	PUNCT
easat-8176	128	1	3	3	X
easat-8176	128	2	.	.	X
easat-8176	128	3	methodology	methodology	NOUN
easat-8176	128	4	the	the	DET
easat-8176	128	5	methodological	methodological	ADJ
easat-8176	128	6	framework	framework	NOUN
easat-8176	128	7	comprised	comprise	VERB
easat-8176	128	8	two	two	NUM
easat-8176	128	9	distinct	distinct	ADJ
easat-8176	128	10	phases	phase	NOUN
easat-8176	128	11	:	:	PUNCT
easat-8176	128	12	a	a	DET
easat-8176	128	13	qualitative	qualitative	ADJ
easat-8176	128	14	phase	phase	NOUN
easat-8176	128	15	dedicated	dedicate	VERB
easat-8176	128	16	to	to	ADP
easat-8176	128	17	the	the	DET
easat-8176	128	18	refinement	refinement	NOUN
easat-8176	128	19	of	of	ADP
easat-8176	128	20	measurement	measurement	NOUN
easat-8176	128	21	instruments	instrument	NOUN
easat-8176	128	22	and	and	CCONJ
easat-8176	128	23	a	a	DET
easat-8176	128	24	quantitative	quantitative	ADJ
easat-8176	128	25	phase	phase	NOUN
easat-8176	128	26	devoted	devote	VERB
easat-8176	128	27	to	to	ADP
easat-8176	128	28	empirical	empirical	ADJ
easat-8176	128	29	testing	testing	NOUN
easat-8176	128	30	.	.	PUNCT
easat-8176	129	1	expert	expert	NOUN
easat-8176	129	2	consultation	consultation	NOUN
easat-8176	129	3	was	be	AUX
easat-8176	129	4	conducted	conduct	VERB
easat-8176	129	5	during	during	ADP
easat-8176	129	6	the	the	DET
easat-8176	129	7	qualitative	qualitative	ADJ
easat-8176	129	8	phase	phase	NOUN
easat-8176	129	9	to	to	PART
easat-8176	129	10	evaluate	evaluate	VERB
easat-8176	129	11	the	the	DET
easat-8176	129	12	relevance	relevance	NOUN
easat-8176	129	13	,	,	PUNCT
easat-8176	129	14	intelligibility	intelligibility	NOUN
easat-8176	129	15	of	of	ADP
easat-8176	129	16	the	the	DET
easat-8176	129	17	scales	scale	NOUN
easat-8176	129	18	.	.	PUNCT
easat-8176	130	1	refinement	refinement	PROPN
easat-8176	130	2	involved	involve	VERB
easat-8176	130	3	the	the	DET
easat-8176	130	4	deletion	deletion	NOUN
easat-8176	130	5	of	of	ADP
easat-8176	130	6	redundant	redundant	ADJ
easat-8176	130	7	statements	statement	NOUN
easat-8176	130	8	and	and	CCONJ
easat-8176	130	9	the	the	DET
easat-8176	130	10	refinement	refinement	NOUN
easat-8176	130	11	of	of	ADP
easat-8176	130	12	the	the	DET
easat-8176	130	13	contextual	contextual	ADJ
easat-8176	130	14	applicability	applicability	NOUN
easat-8176	130	15	of	of	ADP
easat-8176	130	16	the	the	DET
easat-8176	130	17	scales	scale	NOUN
easat-8176	130	18	based	base	VERB
easat-8176	130	19	on	on	ADP
easat-8176	130	20	expert	expert	NOUN
easat-8176	130	21	evaluation	evaluation	NOUN
easat-8176	130	22	.	.	PUNCT
easat-8176	131	1	following	follow	VERB
easat-8176	131	2	the	the	DET
easat-8176	131	3	qualitative	qualitative	ADJ
easat-8176	131	4	enhancement	enhancement	NOUN
easat-8176	131	5	,	,	PUNCT
easat-8176	131	6	the	the	DET
easat-8176	131	7	quantitative	quantitative	ADJ
easat-8176	131	8	phase	phase	NOUN
easat-8176	131	9	employed	employ	VERB
easat-8176	131	10	a	a	DET
easat-8176	131	11	standard	standard	ADJ
easat-8176	131	12	survey	survey	NOUN
easat-8176	131	13	instrument	instrument	NOUN
easat-8176	131	14	for	for	ADP
easat-8176	131	15	data	datum	NOUN
easat-8176	131	16	gathering	gathering	NOUN
easat-8176	131	17	from	from	ADP
easat-8176	131	18	individual	individual	ADJ
easat-8176	131	19	consumers	consumer	NOUN
easat-8176	131	20	.	.	PUNCT
easat-8176	132	1	the	the	DET
easat-8176	132	2	approach	approach	NOUN
easat-8176	132	3	offers	offer	VERB
easat-8176	132	4	a	a	DET
easat-8176	132	5	detailed	detailed	ADJ
easat-8176	132	6	insight	insight	NOUN
easat-8176	132	7	into	into	ADP
easat-8176	132	8	the	the	DET
easat-8176	132	9	nfc	nfc	NOUN
easat-8176	132	10	mobile	mobile	ADJ
easat-8176	132	11	payment	payment	NOUN
easat-8176	132	12	adoption	adoption	NOUN
easat-8176	132	13	dynamics	dynamic	NOUN
easat-8176	132	14	.	.	PUNCT
easat-8176	133	1	primary	primary	ADJ
easat-8176	133	2	data	datum	NOUN
easat-8176	133	3	were	be	AUX
easat-8176	133	4	gathered	gather	VERB
easat-8176	133	5	by	by	ADP
easat-8176	133	6	communicating	communicate	VERB
easat-8176	133	7	with	with	ADP
easat-8176	133	8	respondents	respondent	NOUN
easat-8176	133	9	through	through	ADP
easat-8176	133	10	a	a	DET
easat-8176	133	11	questionnaire	questionnaire	NOUN
easat-8176	133	12	that	that	PRON
easat-8176	133	13	was	be	AUX
easat-8176	133	14	disseminated	disseminate	VERB
easat-8176	133	15	through	through	ADP
easat-8176	133	16	google	google	PROPN
easat-8176	133	17	forms	form	NOUN
easat-8176	133	18	.	.	PUNCT
easat-8176	134	1	the	the	DET
easat-8176	134	2	questionnaire	questionnaire	NOUN
easat-8176	134	3	was	be	AUX
easat-8176	134	4	built	build	VERB
easat-8176	134	5	upon	upon	SCONJ
easat-8176	134	6	validated	validate	VERB
easat-8176	134	7	measures	measure	NOUN
easat-8176	134	8	taken	take	VERB
easat-8176	134	9	from	from	ADP
easat-8176	134	10	past	past	ADJ
easat-8176	134	11	research	research	NOUN
easat-8176	134	12	to	to	PART
easat-8176	134	13	optimize	optimize	VERB
easat-8176	134	14	construct	construct	VERB
easat-8176	134	15	validity	validity	NOUN
easat-8176	134	16	.	.	PUNCT
easat-8176	135	1	415	415	NUM
easat-8176	135	2	responses	response	NOUN
easat-8176	135	3	were	be	AUX
easat-8176	135	4	initially	initially	ADV
easat-8176	135	5	received	receive	VERB
easat-8176	135	6	.	.	PUNCT
easat-8176	136	1	following	follow	VERB
easat-8176	136	2	data	datum	NOUN
easat-8176	136	3	cleansing	cleansing	NOUN
easat-8176	136	4	,	,	PUNCT
easat-8176	136	5	in	in	ADP
easat-8176	136	6	which	which	PRON
easat-8176	136	7	invalid	invalid	ADJ
easat-8176	136	8	or	or	CCONJ
easat-8176	136	9	partially	partially	ADV
easat-8176	136	10	completed	complete	VERB
easat-8176	136	11	entries	entry	NOUN
easat-8176	136	12	were	be	AUX
easat-8176	136	13	eliminated	eliminate	VERB
easat-8176	136	14	,	,	PUNCT
easat-8176	136	15	385	385	NUM
easat-8176	136	16	valid	valid	ADJ
easat-8176	136	17	questionnaires	questionnaire	NOUN
easat-8176	136	18	remained	remain	VERB
easat-8176	136	19	for	for	ADP
easat-8176	136	20	analysis	analysis	NOUN
easat-8176	136	21	.	.	PUNCT
easat-8176	137	1	the	the	DET
easat-8176	137	2	survey	survey	NOUN
easat-8176	137	3	sample	sample	NOUN
easat-8176	137	4	collected	collect	VERB
easat-8176	137	5	shows	show	VERB
easat-8176	137	6	that	that	SCONJ
easat-8176	137	7	the	the	DET
easat-8176	137	8	majority	majority	NOUN
easat-8176	137	9	of	of	ADP
easat-8176	137	10	individuals	individual	NOUN
easat-8176	137	11	aged	age	VERB
easat-8176	137	12	18	18	NUM
easat-8176	137	13	and	and	CCONJ
easat-8176	137	14	above	above	ADV
easat-8176	137	15	have	have	VERB
easat-8176	137	16	high	high	ADJ
easat-8176	137	17	confidence	confidence	NOUN
easat-8176	137	18	and	and	CCONJ
easat-8176	137	19	are	be	AUX
easat-8176	137	20	considered	consider	VERB
easat-8176	137	21	to	to	PART
easat-8176	137	22	be	be	AUX
easat-8176	137	23	more	more	ADV
easat-8176	137	24	likely	likely	ADJ
easat-8176	137	25	to	to	PART
easat-8176	137	26	adopt	adopt	VERB
easat-8176	137	27	nfc	nfc	NOUN
easat-8176	137	28	mobile	mobile	ADJ
easat-8176	137	29	payment	payment	NOUN
easat-8176	137	30	technology	technology	NOUN
easat-8176	137	31	.	.	PUNCT
easat-8176	138	1	4	4	X
easat-8176	138	2	.	.	NOUN
easat-8176	138	3	results	result	VERB
easat-8176	138	4	4.1	4.1	NUM
easat-8176	138	5	.	.	PUNCT
easat-8176	139	1	descriptive	descriptive	ADJ
easat-8176	139	2	statistics	statistic	NOUN
easat-8176	139	3	with	with	ADP
easat-8176	139	4	385	385	NUM
easat-8176	139	5	valid	valid	ADJ
easat-8176	139	6	and	and	CCONJ
easat-8176	139	7	quality	quality	NOUN
easat-8176	139	8	responses	response	NOUN
easat-8176	139	9	that	that	PRON
easat-8176	139	10	met	meet	VERB
easat-8176	139	11	the	the	DET
easat-8176	139	12	survey	survey	NOUN
easat-8176	139	13	criteria	criterion	NOUN
easat-8176	139	14	were	be	AUX
easat-8176	139	15	collected	collect	VERB
easat-8176	139	16	and	and	CCONJ
easat-8176	139	17	subsequently	subsequently	ADV
easat-8176	139	18	used	use	VERB
easat-8176	139	19	for	for	ADP
easat-8176	139	20	data	datum	NOUN
easat-8176	139	21	analysis	analysis	NOUN
easat-8176	139	22	.	.	PUNCT
easat-8176	140	1	in	in	ADP
easat-8176	140	2	terms	term	NOUN
easat-8176	140	3	of	of	ADP
easat-8176	140	4	gender	gender	NOUN
easat-8176	140	5	breakdown	breakdown	NOUN
easat-8176	140	6	,	,	PUNCT
easat-8176	140	7	the	the	DET
easat-8176	140	8	findings	finding	NOUN
easat-8176	140	9	reveal	reveal	VERB
easat-8176	140	10	a	a	DET
easat-8176	140	11	marginal	marginal	ADJ
easat-8176	140	12	majority	majority	NOUN
easat-8176	140	13	of	of	ADP
easat-8176	140	14	female	female	ADJ
easat-8176	140	15	respondents	respondent	NOUN
easat-8176	140	16	compared	compare	VERB
easat-8176	140	17	to	to	ADP
easat-8176	140	18	their	their	PRON
easat-8176	140	19	male	male	ADJ
easat-8176	140	20	counterparts	counterpart	NOUN
easat-8176	140	21	.	.	PUNCT
easat-8176	141	1	to	to	PART
easat-8176	141	2	be	be	AUX
easat-8176	141	3	more	more	ADV
easat-8176	141	4	precise	precise	ADJ
easat-8176	141	5	,	,	PUNCT
easat-8176	141	6	185	185	NUM
easat-8176	141	7	respondents	respondent	NOUN
easat-8176	141	8	reported	report	VERB
easat-8176	141	9	being	be	AUX
easat-8176	141	10	male	male	NOUN
easat-8176	141	11	,	,	PUNCT
easat-8176	141	12	representing	represent	VERB
easat-8176	141	13	48.1	48.1	NUM
easat-8176	141	14	%	%	NOUN
easat-8176	141	15	of	of	ADP
easat-8176	141	16	the	the	DET
easat-8176	141	17	sample	sample	NOUN
easat-8176	141	18	,	,	PUNCT
easat-8176	141	19	and	and	CCONJ
easat-8176	141	20	200	200	NUM
easat-8176	141	21	respondents	respondent	NOUN
easat-8176	141	22	reported	report	VERB
easat-8176	141	23	being	be	AUX
easat-8176	141	24	female	female	ADJ
easat-8176	141	25	,	,	PUNCT
easat-8176	141	26	representing	represent	VERB
easat-8176	141	27	51.9	51.9	NUM
easat-8176	141	28	%	%	NOUN
easat-8176	141	29	.	.	PUNCT
easat-8176	142	1	1495	1495	NUM
easat-8176	142	2	edelweiss	edelweiss	PROPN
easat-8176	142	3	applied	apply	VERB
easat-8176	142	4	science	science	NOUN
easat-8176	142	5	and	and	CCONJ
easat-8176	142	6	technology	technology	NOUN
easat-8176	142	7	issn	issn	PROPN
easat-8176	142	8	:	:	PUNCT
easat-8176	142	9	2576	2576	NUM
easat-8176	142	10	-	-	SYM
easat-8176	142	11	8484	8484	NUM
easat-8176	142	12	vol	vol	NOUN
easat-8176	142	13	.	.	PROPN
easat-8176	143	1	9	9	NUM
easat-8176	143	2	,	,	PUNCT
easat-8176	143	3	no	no	INTJ
easat-8176	143	4	.	.	NOUN
easat-8176	143	5	6	6	NUM
easat-8176	143	6	:	:	SYM
easat-8176	143	7	1490	1490	NUM
easat-8176	143	8	-	-	SYM
easat-8176	143	9	1502	1502	NUM
easat-8176	143	10	,	,	PUNCT
easat-8176	143	11	2025	2025	NUM
easat-8176	143	12	doi	doi	NOUN
easat-8176	143	13	:	:	PUNCT
easat-8176	143	14	10.55214/25768484.v9i6.8176	10.55214/25768484.v9i6.8176	PROPN
easat-8176	143	15	©	©	PROPN
easat-8176	143	16	2025	2025	NUM
easat-8176	143	17	by	by	ADP
easat-8176	143	18	the	the	DET
easat-8176	143	19	authors	author	NOUN
easat-8176	143	20	;	;	PUNCT
easat-8176	143	21	licensee	licensee	PROPN
easat-8176	143	22	learning	learn	VERB
easat-8176	143	23	gate	gate	NOUN
easat-8176	143	24	table	table	NOUN
easat-8176	143	25	1	1	NUM
easat-8176	143	26	.	.	PUNCT
easat-8176	143	27	gender	gender	NOUN
easat-8176	143	28	analysis	analysis	NOUN
easat-8176	143	29	results	result	NOUN
easat-8176	143	30	.	.	PUNCT
easat-8176	144	1	gender	gender	NOUN
easat-8176	144	2	frequency	frequency	NOUN
easat-8176	144	3	percent	percent	NOUN
easat-8176	144	4	male	male	NOUN
easat-8176	144	5	185	185	NUM
easat-8176	144	6	48.1	48.1	NUM
easat-8176	144	7	female	female	ADJ
easat-8176	144	8	200	200	NUM
easat-8176	144	9	51.9	51.9	NUM
easat-8176	144	10	total	total	NOUN
easat-8176	144	11	385	385	NUM
easat-8176	144	12	100.0	100.0	NUM
easat-8176	144	13	table	table	NOUN
easat-8176	144	14	2	2	NUM
easat-8176	144	15	.	.	PUNCT
easat-8176	144	16	residence	residence	NOUN
easat-8176	144	17	analysis	analysis	NOUN
easat-8176	144	18	of	of	ADP
easat-8176	144	19	survey	survey	NOUN
easat-8176	144	20	respondents	respondent	NOUN
easat-8176	144	21	.	.	PUNCT
easat-8176	145	1	content	content	NOUN
easat-8176	145	2	frequency	frequency	PROPN
easat-8176	145	3	percent	percent	NOUN
easat-8176	145	4	valid	valid	ADJ
easat-8176	145	5	percent	percent	NOUN
easat-8176	145	6	cumulative	cumulative	ADJ
easat-8176	145	7	percent	percent	NOUN
easat-8176	145	8	district	district	NOUN
easat-8176	145	9	1	1	NUM
easat-8176	145	10	35	35	NUM
easat-8176	145	11	9.09	9.09	NUM
easat-8176	145	12	%	%	NOUN
easat-8176	145	13	9.09	9.09	NUM
easat-8176	145	14	%	%	NOUN
easat-8176	145	15	9.09	9.09	NUM
easat-8176	145	16	%	%	NOUN
easat-8176	145	17	district	district	NOUN
easat-8176	145	18	3	3	NUM
easat-8176	145	19	35	35	NUM
easat-8176	145	20	9.09	9.09	NUM
easat-8176	145	21	%	%	NOUN
easat-8176	145	22	9.09	9.09	NUM
easat-8176	145	23	%	%	NOUN
easat-8176	145	24	18.18	18.18	NUM
easat-8176	145	25	%	%	NOUN
easat-8176	145	26	district	district	NOUN
easat-8176	145	27	4	4	NUM
easat-8176	145	28	28	28	NUM
easat-8176	145	29	7.27	7.27	NUM
easat-8176	145	30	%	%	NOUN
easat-8176	145	31	7.27	7.27	NUM
easat-8176	145	32	%	%	NOUN
easat-8176	145	33	25.45	25.45	NUM
easat-8176	145	34	%	%	NOUN
easat-8176	145	35	district	district	NOUN
easat-8176	145	36	5	5	NUM
easat-8176	145	37	27	27	NUM
easat-8176	145	38	7.01	7.01	NUM
easat-8176	145	39	%	%	NOUN
easat-8176	145	40	7.01	7.01	NUM
easat-8176	145	41	%	%	NOUN
easat-8176	145	42	32.47	32.47	NUM
easat-8176	145	43	%	%	NOUN
easat-8176	145	44	district	district	NOUN
easat-8176	145	45	6	6	NUM
easat-8176	145	46	24	24	NUM
easat-8176	145	47	6.23	6.23	NUM
easat-8176	145	48	%	%	NOUN
easat-8176	145	49	6.23	6.23	NUM
easat-8176	145	50	%	%	NOUN
easat-8176	145	51	38.70	38.70	NUM
easat-8176	145	52	%	%	NOUN
easat-8176	145	53	district	district	NOUN
easat-8176	145	54	7	7	NUM
easat-8176	145	55	45	45	NUM
easat-8176	145	56	11.69	11.69	NUM
easat-8176	145	57	%	%	NOUN
easat-8176	145	58	11.69	11.69	NUM
easat-8176	145	59	%	%	NOUN
easat-8176	145	60	50.39	50.39	NUM
easat-8176	145	61	%	%	NOUN
easat-8176	145	62	district	district	NOUN
easat-8176	145	63	10	10	NUM
easat-8176	145	64	40	40	NUM
easat-8176	145	65	10.39	10.39	NUM
easat-8176	145	66	%	%	NOUN
easat-8176	145	67	10.39	10.39	NUM
easat-8176	145	68	%	%	NOUN
easat-8176	145	69	60.78	60.78	NUM
easat-8176	145	70	%	%	NOUN
easat-8176	145	71	district	district	NOUN
easat-8176	145	72	11	11	NUM
easat-8176	145	73	25	25	NUM
easat-8176	145	74	6.49	6.49	NUM
easat-8176	145	75	%	%	NOUN
easat-8176	145	76	6.49	6.49	NUM
easat-8176	145	77	%	%	NOUN
easat-8176	145	78	67.27	67.27	NUM
easat-8176	145	79	%	%	NOUN
easat-8176	145	80	district	district	NOUN
easat-8176	145	81	12	12	NUM
easat-8176	145	82	26	26	NUM
easat-8176	145	83	6.75	6.75	NUM
easat-8176	145	84	%	%	NOUN
easat-8176	145	85	6.75	6.75	NUM
easat-8176	145	86	%	%	NOUN
easat-8176	145	87	74.03	74.03	NUM
easat-8176	145	88	%	%	NOUN
easat-8176	145	89	binh	binh	PROPN
easat-8176	145	90	thanh	thanh	PROPN
easat-8176	145	91	district	district	PROPN
easat-8176	145	92	30	30	NUM
easat-8176	145	93	7.79	7.79	NUM
easat-8176	145	94	%	%	NOUN
easat-8176	145	95	7.79	7.79	NUM
easat-8176	145	96	%	%	NOUN
easat-8176	145	97	81.82	81.82	NUM
easat-8176	145	98	%	%	NOUN
easat-8176	145	99	phu	phu	PROPN
easat-8176	145	100	nhuan	nhuan	PROPN
easat-8176	145	101	district	district	PROPN
easat-8176	145	102	28	28	NUM
easat-8176	145	103	7.27	7.27	NUM
easat-8176	145	104	%	%	NOUN
easat-8176	145	105	7.27	7.27	NUM
easat-8176	145	106	%	%	NOUN
easat-8176	145	107	89.09	89.09	NUM
easat-8176	145	108	%	%	NOUN
easat-8176	145	109	tan	tan	PROPN
easat-8176	145	110	binh	binh	PROPN
easat-8176	145	111	district	district	PROPN
easat-8176	145	112	22	22	NUM
easat-8176	145	113	5.71	5.71	NUM
easat-8176	145	114	%	%	NOUN
easat-8176	145	115	5.71	5.71	NUM
easat-8176	145	116	%	%	NOUN
easat-8176	145	117	94.81	94.81	NUM
easat-8176	145	118	%	%	NOUN
easat-8176	145	119	binh	binh	PROPN
easat-8176	145	120	tan	tan	PROPN
easat-8176	145	121	district	district	PROPN
easat-8176	145	122	20	20	NUM
easat-8176	145	123	5.19	5.19	NUM
easat-8176	145	124	%	%	NOUN
easat-8176	145	125	5.19	5.19	NUM
easat-8176	145	126	%	%	NOUN
easat-8176	145	127	100.00	100.00	NUM
easat-8176	145	128	%	%	NOUN
easat-8176	145	129	total	total	NOUN
easat-8176	145	130	385	385	NUM
easat-8176	145	131	100.00	100.00	NUM
easat-8176	145	132	%	%	NOUN
easat-8176	145	133	100.00	100.00	NUM
easat-8176	145	134	%	%	NOUN
easat-8176	145	135	100.00	100.00	NUM
easat-8176	145	136	%	%	NOUN
easat-8176	145	137	the	the	DET
easat-8176	145	138	examination	examination	NOUN
easat-8176	145	139	of	of	ADP
easat-8176	145	140	the	the	DET
easat-8176	145	141	residential	residential	ADJ
easat-8176	145	142	areas	area	NOUN
easat-8176	145	143	of	of	ADP
easat-8176	145	144	the	the	DET
easat-8176	145	145	respondents	respondent	NOUN
easat-8176	145	146	shows	show	VERB
easat-8176	145	147	a	a	DET
easat-8176	145	148	distribution	distribution	NOUN
easat-8176	145	149	of	of	ADP
easat-8176	145	150	survey	survey	NOUN
easat-8176	145	151	participants	participant	NOUN
easat-8176	145	152	in	in	ADP
easat-8176	145	153	different	different	ADJ
easat-8176	145	154	districts	district	NOUN
easat-8176	145	155	.	.	PUNCT
easat-8176	146	1	among	among	ADP
easat-8176	146	2	the	the	DET
easat-8176	146	3	385	385	NUM
easat-8176	146	4	valid	valid	ADJ
easat-8176	146	5	responses	response	NOUN
easat-8176	146	6	,	,	PUNCT
easat-8176	146	7	district	district	NOUN
easat-8176	146	8	7	7	NUM
easat-8176	146	9	recorded	record	VERB
easat-8176	146	10	the	the	DET
easat-8176	146	11	most	most	ADJ
easat-8176	146	12	participants	participant	NOUN
easat-8176	146	13	(	(	PUNCT
easat-8176	146	14	45	45	NUM
easat-8176	146	15	respondents	respondent	NOUN
easat-8176	146	16	,	,	PUNCT
easat-8176	146	17	11.69	11.69	NUM
easat-8176	146	18	%	%	NOUN
easat-8176	146	19	)	)	PUNCT
easat-8176	146	20	,	,	PUNCT
easat-8176	146	21	followed	follow	VERB
easat-8176	146	22	by	by	ADP
easat-8176	146	23	district	district	NOUN
easat-8176	146	24	10	10	NUM
easat-8176	146	25	with	with	ADP
easat-8176	146	26	40	40	NUM
easat-8176	146	27	respondents	respondent	NOUN
easat-8176	146	28	(	(	PUNCT
easat-8176	146	29	10.39	10.39	NUM
easat-8176	146	30	%	%	NOUN
easat-8176	146	31	)	)	PUNCT
easat-8176	146	32	and	and	CCONJ
easat-8176	146	33	districts	district	NOUN
easat-8176	146	34	1	1	NUM
easat-8176	146	35	and	and	CCONJ
easat-8176	146	36	3	3	NUM
easat-8176	146	37	,	,	PUNCT
easat-8176	146	38	with	with	ADP
easat-8176	146	39	35	35	NUM
easat-8176	146	40	participants	participant	NOUN
easat-8176	146	41	each	each	PRON
easat-8176	146	42	(	(	PUNCT
easat-8176	146	43	9.09	9.09	NUM
easat-8176	146	44	%	%	NOUN
easat-8176	146	45	)	)	PUNCT
easat-8176	146	46	.	.	PUNCT
easat-8176	147	1	the	the	DET
easat-8176	147	2	other	other	ADJ
easat-8176	147	3	prominent	prominent	ADJ
easat-8176	147	4	districts	district	NOUN
easat-8176	147	5	are	be	AUX
easat-8176	147	6	binh	binh	PROPN
easat-8176	147	7	thanh	thanh	PROPN
easat-8176	147	8	district	district	PROPN
easat-8176	147	9	(	(	PUNCT
easat-8176	147	10	7.79	7.79	NUM
easat-8176	147	11	%	%	NOUN
easat-8176	147	12	)	)	PUNCT
easat-8176	147	13	,	,	PUNCT
easat-8176	147	14	district	district	NOUN
easat-8176	147	15	4	4	NUM
easat-8176	147	16	(	(	PUNCT
easat-8176	147	17	7.27	7.27	NUM
easat-8176	147	18	%	%	NOUN
easat-8176	147	19	)	)	PUNCT
easat-8176	147	20	,	,	PUNCT
easat-8176	147	21	and	and	CCONJ
easat-8176	147	22	phu	phu	PROPN
easat-8176	147	23	nhuan	nhuan	PROPN
easat-8176	147	24	district	district	PROPN
easat-8176	147	25	(	(	PUNCT
easat-8176	147	26	7.27	7.27	NUM
easat-8176	147	27	%	%	NOUN
easat-8176	147	28	)	)	PUNCT
easat-8176	147	29	.	.	PUNCT
easat-8176	148	1	the	the	DET
easat-8176	148	2	others	other	NOUN
easat-8176	148	3	were	be	AUX
easat-8176	148	4	dispersed	disperse	VERB
easat-8176	148	5	across	across	ADP
easat-8176	148	6	various	various	ADJ
easat-8176	148	7	districts	district	NOUN
easat-8176	148	8	like	like	ADP
easat-8176	148	9	districts	district	NOUN
easat-8176	148	10	5	5	NUM
easat-8176	148	11	,	,	PUNCT
easat-8176	148	12	6	6	NUM
easat-8176	148	13	,	,	PUNCT
easat-8176	148	14	11	11	NUM
easat-8176	148	15	,	,	PUNCT
easat-8176	148	16	12	12	NUM
easat-8176	148	17	,	,	PUNCT
easat-8176	148	18	tan	tan	PROPN
easat-8176	148	19	binh	binh	NOUN
easat-8176	148	20	,	,	PUNCT
easat-8176	148	21	and	and	CCONJ
easat-8176	148	22	binh	binh	PROPN
easat-8176	148	23	tan	tan	PROPN
easat-8176	148	24	.	.	PUNCT
easat-8176	149	1	the	the	DET
easat-8176	149	2	dispersed	disperse	VERB
easat-8176	149	3	geographical	geographical	ADJ
easat-8176	149	4	location	location	NOUN
easat-8176	149	5	indicates	indicate	VERB
easat-8176	149	6	that	that	SCONJ
easat-8176	149	7	the	the	DET
easat-8176	149	8	data	datum	NOUN
easat-8176	149	9	collected	collect	VERB
easat-8176	149	10	reflects	reflect	VERB
easat-8176	149	11	various	various	ADJ
easat-8176	149	12	locations	location	NOUN
easat-8176	149	13	within	within	ADP
easat-8176	149	14	the	the	DET
easat-8176	149	15	city	city	NOUN
easat-8176	149	16	accurately	accurately	ADV
easat-8176	149	17	.	.	PUNCT
easat-8176	150	1	table	table	NOUN
easat-8176	150	2	3	3	NUM
easat-8176	150	3	.	.	PUNCT
easat-8176	150	4	reliability	reliability	NOUN
easat-8176	150	5	testing	testing	NOUN
easat-8176	150	6	of	of	ADP
easat-8176	150	7	the	the	DET
easat-8176	150	8	scale	scale	NOUN
easat-8176	150	9	.	.	PUNCT
easat-8176	151	1	the	the	DET
easat-8176	151	2	scale	scale	NOUN
easat-8176	151	3	observed	observe	VERB
easat-8176	151	4	variables	variable	NOUN
easat-8176	151	5	corrected	correct	VERB
easat-8176	151	6	itemtotal	itemtotal	ADJ
easat-8176	151	7	correlation	correlation	NOUN
easat-8176	151	8	cronbach	cronbach	NOUN
easat-8176	151	9	's	's	PART
easat-8176	151	10	alpha	alpha	NOUN
easat-8176	151	11	if	if	SCONJ
easat-8176	151	12	item	item	NOUN
easat-8176	151	13	deleted	delete	VERB
easat-8176	151	14	cronbach	cronbach	NOUN
easat-8176	151	15	's	's	PART
easat-8176	151	16	alpha	alpha	ADJ
easat-8176	151	17	coefficient	coefficient	NOUN
easat-8176	151	18	:	:	PUNCT
easat-8176	151	19	0.916	0.916	NUM
easat-8176	151	20	trust	trust	NOUN
easat-8176	151	21	(	(	PUNCT
easat-8176	151	22	tr	tr	VERB
easat-8176	151	23	)	)	PUNCT
easat-8176	151	24	i	i	PRON
easat-8176	151	25	believe	believe	VERB
easat-8176	151	26	that	that	SCONJ
easat-8176	151	27	nfc	nfc	NOUN
easat-8176	151	28	mobile	mobile	ADJ
easat-8176	151	29	pay	pay	NOUN
easat-8176	151	30	apps	app	NOUN
easat-8176	151	31	secure	secure	VERB
easat-8176	151	32	my	my	PRON
easat-8176	151	33	personal	personal	ADJ
easat-8176	151	34	information	information	NOUN
easat-8176	151	35	.	.	PUNCT
easat-8176	152	1	0.687	0.687	NUM
easat-8176	152	2	0.910	0.910	NUM
easat-8176	152	3	i	i	PRON
easat-8176	152	4	feel	feel	VERB
easat-8176	152	5	secure	secure	ADJ
easat-8176	152	6	when	when	SCONJ
easat-8176	152	7	making	make	VERB
easat-8176	152	8	transactions	transaction	NOUN
easat-8176	152	9	via	via	ADP
easat-8176	152	10	nfc	nfc	NOUN
easat-8176	152	11	mobile	mobile	ADJ
easat-8176	152	12	payments	payment	NOUN
easat-8176	152	13	.	.	PUNCT
easat-8176	153	1	0.724	0.724	NUM
easat-8176	153	2	0.906	0.906	NUM
easat-8176	153	3	i	i	PRON
easat-8176	153	4	trust	trust	VERB
easat-8176	153	5	that	that	SCONJ
easat-8176	153	6	nfc	nfc	NOUN
easat-8176	153	7	payment	payment	NOUN
easat-8176	153	8	service	service	NOUN
easat-8176	153	9	providers	provider	NOUN
easat-8176	153	10	handle	handle	VERB
easat-8176	153	11	my	my	PRON
easat-8176	153	12	transactions	transaction	NOUN
easat-8176	153	13	reliably	reliably	ADV
easat-8176	153	14	.	.	PUNCT
easat-8176	154	1	0.782	0.782	NUM
easat-8176	154	2	0.900	0.900	NUM
easat-8176	154	3	i	i	PRON
easat-8176	154	4	believe	believe	VERB
easat-8176	154	5	that	that	SCONJ
easat-8176	154	6	transactions	transaction	NOUN
easat-8176	154	7	made	make	VERB
easat-8176	154	8	through	through	ADP
easat-8176	154	9	nfc	nfc	NOUN
easat-8176	154	10	are	be	AUX
easat-8176	154	11	processed	process	VERB
easat-8176	154	12	accurately	accurately	ADV
easat-8176	154	13	without	without	ADP
easat-8176	154	14	errors	error	NOUN
easat-8176	154	15	.	.	PUNCT
easat-8176	155	1	0.768	0.768	NUM
easat-8176	155	2	0.901	0.901	NUM
easat-8176	155	3	i	i	PRON
easat-8176	155	4	trust	trust	VERB
easat-8176	155	5	that	that	SCONJ
easat-8176	155	6	nfc	nfc	NOUN
easat-8176	155	7	payment	payment	NOUN
easat-8176	155	8	providers	provider	NOUN
easat-8176	155	9	always	always	ADV
easat-8176	155	10	protect	protect	VERB
easat-8176	155	11	users	user	NOUN
easat-8176	155	12	'	'	PART
easat-8176	155	13	rights	right	NOUN
easat-8176	155	14	.	.	PUNCT
easat-8176	156	1	0.710	0.710	NUM
easat-8176	156	2	0.907	0.907	NUM
easat-8176	157	1	i	i	PRON
easat-8176	157	2	am	be	AUX
easat-8176	157	3	confident	confident	ADJ
easat-8176	157	4	that	that	SCONJ
easat-8176	157	5	my	my	PRON
easat-8176	157	6	financial	financial	ADJ
easat-8176	157	7	information	information	NOUN
easat-8176	157	8	will	will	AUX
easat-8176	157	9	be	be	AUX
easat-8176	157	10	securely	securely	ADV
easat-8176	157	11	protected	protect	VERB
easat-8176	157	12	and	and	CCONJ
easat-8176	157	13	not	not	PART
easat-8176	157	14	subject	subject	ADJ
easat-8176	157	15	to	to	ADP
easat-8176	157	16	misuse	misuse	NOUN
easat-8176	157	17	when	when	SCONJ
easat-8176	157	18	utilizing	utilize	VERB
easat-8176	157	19	nfc	nfc	NOUN
easat-8176	157	20	mobile	mobile	ADJ
easat-8176	157	21	payment	payment	NOUN
easat-8176	157	22	services	service	NOUN
easat-8176	157	23	.	.	PUNCT
easat-8176	158	1	0.786	0.786	NUM
easat-8176	158	2	0.899	0.899	NUM
easat-8176	158	3	i	i	PRON
easat-8176	158	4	believe	believe	VERB
easat-8176	158	5	that	that	SCONJ
easat-8176	158	6	my	my	PRON
easat-8176	158	7	financial	financial	ADJ
easat-8176	158	8	information	information	NOUN
easat-8176	158	9	will	will	AUX
easat-8176	158	10	be	be	AUX
easat-8176	158	11	well	well	ADV
easat-8176	158	12	protected	protect	VERB
easat-8176	158	13	and	and	CCONJ
easat-8176	158	14	not	not	PART
easat-8176	158	15	subjected	subject	VERB
easat-8176	158	16	to	to	ADP
easat-8176	158	17	abuse	abuse	NOUN
easat-8176	158	18	when	when	SCONJ
easat-8176	158	19	using	use	VERB
easat-8176	158	20	nfc	nfc	NOUN
easat-8176	158	21	mobile	mobile	ADJ
easat-8176	158	22	payment	payment	NOUN
easat-8176	158	23	services	service	NOUN
easat-8176	158	24	0.743	0.743	NUM
easat-8176	158	25	0.904	0.904	NUM
easat-8176	158	26	cronbach	cronbach	NOUN
easat-8176	158	27	's	's	PART
easat-8176	158	28	alpha	alpha	ADJ
easat-8176	158	29	coefficient	coefficient	NOUN
easat-8176	158	30	:	:	PUNCT
easat-8176	158	31	0.753	0.753	NUM
easat-8176	158	32	perceived	perceive	VERB
easat-8176	158	33	ease	ease	NOUN
easat-8176	158	34	of	of	ADP
easat-8176	158	35	use	use	NOUN
easat-8176	158	36	(	(	PUNCT
easat-8176	158	37	peu	peu	NOUN
easat-8176	158	38	)	)	PUNCT
easat-8176	158	39	i	i	PRON
easat-8176	158	40	consider	consider	VERB
easat-8176	158	41	the	the	DET
easat-8176	158	42	process	process	NOUN
easat-8176	158	43	of	of	ADP
easat-8176	158	44	learning	learn	VERB
easat-8176	158	45	to	to	PART
easat-8176	158	46	operate	operate	VERB
easat-8176	158	47	nfc	nfc	NOUN
easat-8176	158	48	mobile	mobile	ADJ
easat-8176	158	49	payment	payment	NOUN
easat-8176	158	50	services	service	NOUN
easat-8176	158	51	to	to	PART
easat-8176	158	52	be	be	AUX
easat-8176	158	53	straightforward	straightforward	ADJ
easat-8176	158	54	and	and	CCONJ
easat-8176	158	55	uncomplicated	uncomplicated	ADJ
easat-8176	158	56	.	.	PUNCT
easat-8176	159	1	0.521	0.521	NUM
easat-8176	159	2	0.711	0.711	NUM
easat-8176	159	3	1496	1496	NUM
easat-8176	159	4	edelweiss	edelweiss	PROPN
easat-8176	159	5	applied	apply	VERB
easat-8176	159	6	science	science	NOUN
easat-8176	159	7	and	and	CCONJ
easat-8176	159	8	technology	technology	NOUN
easat-8176	159	9	issn	issn	PROPN
easat-8176	159	10	:	:	PUNCT
easat-8176	159	11	2576	2576	NUM
easat-8176	159	12	-	-	SYM
easat-8176	159	13	8484	8484	NUM
easat-8176	159	14	vol	vol	NOUN
easat-8176	159	15	.	.	PROPN
easat-8176	160	1	9	9	NUM
easat-8176	160	2	,	,	PUNCT
easat-8176	160	3	no	no	INTJ
easat-8176	160	4	.	.	NOUN
easat-8176	160	5	6	6	NUM
easat-8176	160	6	:	:	SYM
easat-8176	160	7	1490	1490	NUM
easat-8176	160	8	-	-	SYM
easat-8176	160	9	1502	1502	NUM
easat-8176	160	10	,	,	PUNCT
easat-8176	160	11	2025	2025	NUM
easat-8176	160	12	doi	doi	NOUN
easat-8176	160	13	:	:	PUNCT
easat-8176	160	14	10.55214/25768484.v9i6.8176	10.55214/25768484.v9i6.8176	PROPN
easat-8176	160	15	©	©	PROPN
easat-8176	160	16	2025	2025	NUM
easat-8176	160	17	by	by	ADP
easat-8176	160	18	the	the	DET
easat-8176	160	19	authors	author	NOUN
easat-8176	160	20	;	;	PUNCT
easat-8176	160	21	licensee	licensee	PROPN
easat-8176	160	22	learning	learn	VERB
easat-8176	160	23	gate	gate	NOUN
easat-8176	160	24	carrying	carry	VERB
easat-8176	160	25	out	out	ADP
easat-8176	160	26	transactions	transaction	NOUN
easat-8176	160	27	through	through	ADP
easat-8176	160	28	nfc	nfc	NOUN
easat-8176	160	29	mobile	mobile	ADJ
easat-8176	160	30	payment	payment	NOUN
easat-8176	160	31	platforms	platform	NOUN
easat-8176	160	32	is	be	AUX
easat-8176	160	33	easy	easy	ADJ
easat-8176	160	34	for	for	ADP
easat-8176	160	35	me	i	PRON
easat-8176	160	36	.	.	PUNCT
easat-8176	161	1	0.498	0.498	NUM
easat-8176	161	2	0.722	0.722	NUM
easat-8176	161	3	i	i	PRON
easat-8176	161	4	consider	consider	VERB
easat-8176	161	5	the	the	DET
easat-8176	161	6	interaction	interaction	NOUN
easat-8176	161	7	with	with	ADP
easat-8176	161	8	nfc	nfc	NOUN
easat-8176	161	9	mobile	mobile	ADJ
easat-8176	161	10	payment	payment	NOUN
easat-8176	161	11	applications	application	NOUN
easat-8176	161	12	to	to	PART
easat-8176	161	13	be	be	AUX
easat-8176	161	14	clear	clear	ADJ
easat-8176	161	15	and	and	CCONJ
easat-8176	161	16	straightforward	straightforward	ADJ
easat-8176	161	17	.	.	PUNCT
easat-8176	162	1	0.602	0.602	NUM
easat-8176	162	2	0.664	0.664	NUM
easat-8176	162	3	i	i	PRON
easat-8176	162	4	am	be	AUX
easat-8176	162	5	confident	confident	ADJ
easat-8176	162	6	in	in	ADP
easat-8176	162	7	my	my	PRON
easat-8176	162	8	ability	ability	NOUN
easat-8176	162	9	to	to	PART
easat-8176	162	10	quickly	quickly	ADV
easat-8176	162	11	become	become	VERB
easat-8176	162	12	adept	adept	ADJ
easat-8176	162	13	at	at	ADP
easat-8176	162	14	using	use	VERB
easat-8176	162	15	nfc	nfc	NOUN
easat-8176	162	16	mobile	mobile	ADJ
easat-8176	162	17	payment	payment	NOUN
easat-8176	162	18	systems	system	NOUN
easat-8176	162	19	.	.	PUNCT
easat-8176	163	1	0.578	0.578	NUM
easat-8176	163	2	0.679	0.679	NUM
easat-8176	163	3	cronbach	cronbach	NOUN
easat-8176	163	4	's	's	PART
easat-8176	163	5	alpha	alpha	ADJ
easat-8176	163	6	coefficient	coefficient	NOUN
easat-8176	163	7	:	:	PUNCT
easat-8176	163	8	0.737	0.737	NUM
easat-8176	163	9	perceived	perceive	VERB
easat-8176	163	10	usefulness	usefulness	NOUN
easat-8176	163	11	(	(	PUNCT
easat-8176	163	12	pu	pu	PROPN
easat-8176	163	13	)	)	PUNCT
easat-8176	163	14	paying	pay	VERB
easat-8176	163	15	with	with	ADP
easat-8176	163	16	nfc	nfc	NOUN
easat-8176	163	17	mobile	mobile	ADJ
easat-8176	163	18	payment	payment	NOUN
easat-8176	163	19	services	service	NOUN
easat-8176	163	20	is	be	AUX
easat-8176	163	21	faster	fast	ADJ
easat-8176	163	22	and	and	CCONJ
easat-8176	163	23	more	more	ADV
easat-8176	163	24	convenient	convenient	ADJ
easat-8176	163	25	for	for	ADP
easat-8176	163	26	me	i	PRON
easat-8176	163	27	.	.	PUNCT
easat-8176	164	1	0.495	0.495	NUM
easat-8176	164	2	0.694	0.694	NUM
easat-8176	164	3	nfc	nfc	NOUN
easat-8176	164	4	mobile	mobile	ADJ
easat-8176	164	5	payments	payment	NOUN
easat-8176	164	6	make	make	VERB
easat-8176	164	7	it	it	PRON
easat-8176	164	8	more	more	ADV
easat-8176	164	9	convenient	convenient	ADJ
easat-8176	164	10	for	for	SCONJ
easat-8176	164	11	me	i	PRON
easat-8176	164	12	to	to	PART
easat-8176	164	13	complete	complete	VERB
easat-8176	164	14	financial	financial	ADJ
easat-8176	164	15	activities	activity	NOUN
easat-8176	164	16	.	.	PUNCT
easat-8176	165	1	0.470	0.470	NUM
easat-8176	165	2	0.702	0.702	NUM
easat-8176	165	3	using	use	VERB
easat-8176	165	4	nfc	nfc	NOUN
easat-8176	165	5	mobile	mobile	ADJ
easat-8176	165	6	payments	payment	NOUN
easat-8176	165	7	enhances	enhance	VERB
easat-8176	165	8	my	my	PRON
easat-8176	165	9	effectiveness	effectiveness	NOUN
easat-8176	165	10	in	in	ADP
easat-8176	165	11	managing	manage	VERB
easat-8176	165	12	payments	payment	NOUN
easat-8176	165	13	.	.	PUNCT
easat-8176	166	1	0.541	0.541	NUM
easat-8176	166	2	0.674	0.674	NUM
easat-8176	166	3	nfc	nfc	NOUN
easat-8176	166	4	mobile	mobile	ADJ
easat-8176	166	5	payment	payment	NOUN
easat-8176	166	6	services	service	NOUN
easat-8176	166	7	are	be	AUX
easat-8176	166	8	useful	useful	ADJ
easat-8176	166	9	for	for	ADP
easat-8176	166	10	my	my	PRON
easat-8176	166	11	daily	daily	ADJ
easat-8176	166	12	financial	financial	ADJ
easat-8176	166	13	transactions	transaction	NOUN
easat-8176	166	14	.	.	PUNCT
easat-8176	167	1	0.537	0.537	NUM
easat-8176	167	2	0.676	0.676	NUM
easat-8176	167	3	overall	overall	NOUN
easat-8176	167	4	,	,	PUNCT
easat-8176	167	5	i	i	PRON
easat-8176	167	6	find	find	VERB
easat-8176	167	7	nfc	nfc	NOUN
easat-8176	167	8	mobile	mobile	ADJ
easat-8176	167	9	payments	payment	NOUN
easat-8176	167	10	beneficial	beneficial	ADJ
easat-8176	167	11	to	to	ADP
easat-8176	167	12	my	my	PRON
easat-8176	167	13	personal	personal	ADJ
easat-8176	167	14	financial	financial	ADJ
easat-8176	167	15	management	management	NOUN
easat-8176	167	16	.	.	PUNCT
easat-8176	168	1	0.458	0.458	NUM
easat-8176	168	2	0.709	0.709	NUM
easat-8176	168	3	cronbach	cronbach	NOUN
easat-8176	168	4	's	's	PART
easat-8176	168	5	alpha	alpha	ADJ
easat-8176	168	6	coefficient	coefficient	NOUN
easat-8176	168	7	:	:	PUNCT
easat-8176	168	8	0.911	0.911	NUM
easat-8176	168	9	social	social	ADJ
easat-8176	168	10	influence	influence	NOUN
easat-8176	168	11	(	(	PUNCT
easat-8176	168	12	si	si	NOUN
easat-8176	168	13	)	)	PUNCT
easat-8176	168	14	individuals	individual	NOUN
easat-8176	168	15	who	who	PRON
easat-8176	168	16	are	be	AUX
easat-8176	168	17	significant	significant	ADJ
easat-8176	168	18	to	to	ADP
easat-8176	168	19	me	i	PRON
easat-8176	168	20	believe	believe	VERB
easat-8176	168	21	that	that	SCONJ
easat-8176	168	22	i	i	PRON
easat-8176	168	23	ought	ought	AUX
easat-8176	168	24	to	to	PART
easat-8176	168	25	adopt	adopt	VERB
easat-8176	168	26	nfc	nfc	NOUN
easat-8176	168	27	mobile	mobile	ADJ
easat-8176	168	28	payment	payment	NOUN
easat-8176	168	29	services	service	NOUN
easat-8176	168	30	.	.	PUNCT
easat-8176	169	1	0.731	0.731	NUM
easat-8176	169	2	0.898	0.898	NUM
easat-8176	169	3	those	those	PRON
easat-8176	169	4	whose	whose	DET
easat-8176	169	5	opinions	opinion	NOUN
easat-8176	169	6	i	i	PRON
easat-8176	169	7	respect	respect	VERB
easat-8176	169	8	tend	tend	VERB
easat-8176	169	9	to	to	PART
easat-8176	169	10	favor	favor	VERB
easat-8176	169	11	my	my	PRON
easat-8176	169	12	use	use	NOUN
easat-8176	169	13	of	of	ADP
easat-8176	169	14	nfc	nfc	NOUN
easat-8176	169	15	mobile	mobile	ADJ
easat-8176	169	16	payment	payment	NOUN
easat-8176	169	17	applications	application	NOUN
easat-8176	169	18	.	.	PUNCT
easat-8176	170	1	0.763	0.763	NUM
easat-8176	170	2	0.893	0.893	NUM
easat-8176	170	3	my	my	PRON
easat-8176	170	4	friends	friend	NOUN
easat-8176	170	5	and	and	CCONJ
easat-8176	170	6	family	family	NOUN
easat-8176	170	7	influence	influence	NOUN
easat-8176	170	8	my	my	PRON
easat-8176	170	9	choice	choice	NOUN
easat-8176	170	10	to	to	PART
easat-8176	170	11	make	make	VERB
easat-8176	170	12	use	use	NOUN
easat-8176	170	13	of	of	ADP
easat-8176	170	14	nfc	nfc	NOUN
easat-8176	170	15	mobile	mobile	ADJ
easat-8176	170	16	payments	payment	NOUN
easat-8176	170	17	.	.	PUNCT
easat-8176	171	1	0.757	0.757	NUM
easat-8176	171	2	0.894	0.894	NUM
easat-8176	171	3	people	people	NOUN
easat-8176	171	4	around	around	ADP
easat-8176	171	5	me	i	PRON
easat-8176	171	6	often	often	ADV
easat-8176	171	7	recommend	recommend	VERB
easat-8176	171	8	using	use	VERB
easat-8176	171	9	nfc	nfc	NOUN
easat-8176	171	10	mobile	mobile	ADJ
easat-8176	171	11	payment	payment	NOUN
easat-8176	171	12	methods	method	NOUN
easat-8176	171	13	.	.	PUNCT
easat-8176	172	1	0.753	0.753	NUM
easat-8176	172	2	0.894	0.894	NUM
easat-8176	172	3	i	i	PRON
easat-8176	172	4	feel	feel	VERB
easat-8176	172	5	social	social	ADJ
easat-8176	172	6	pressure	pressure	NOUN
easat-8176	172	7	to	to	PART
easat-8176	172	8	use	use	VERB
easat-8176	172	9	nfc	nfc	NOUN
easat-8176	172	10	mobile	mobile	ADJ
easat-8176	172	11	payment	payment	NOUN
easat-8176	172	12	services	service	NOUN
easat-8176	172	13	.	.	PUNCT
easat-8176	173	1	0.738	0.738	NUM
easat-8176	173	2	0.897	0.897	NUM
easat-8176	173	3	using	use	VERB
easat-8176	173	4	nfc	nfc	NOUN
easat-8176	173	5	mobile	mobile	ADJ
easat-8176	173	6	payments	payment	NOUN
easat-8176	173	7	helps	help	VERB
easat-8176	173	8	me	i	PRON
easat-8176	173	9	fit	fit	VERB
easat-8176	173	10	in	in	ADP
easat-8176	173	11	with	with	ADP
easat-8176	173	12	people	people	NOUN
easat-8176	173	13	i	i	PRON
easat-8176	173	14	interact	interact	VERB
easat-8176	173	15	with	with	ADP
easat-8176	173	16	regularly	regularly	ADV
easat-8176	173	17	.	.	PUNCT
easat-8176	174	1	0.763	0.763	NUM
easat-8176	174	2	0.893	0.893	NUM
easat-8176	174	3	cronbach	cronbach	NOUN
easat-8176	174	4	's	's	PART
easat-8176	174	5	alpha	alpha	ADJ
easat-8176	174	6	coefficient	coefficient	NOUN
easat-8176	174	7	:	:	PUNCT
easat-8176	174	8	0.778	0.778	NUM
easat-8176	174	9	technological	technological	ADJ
easat-8176	174	10	readiness	readiness	NOUN
easat-8176	174	11	(	(	PUNCT
easat-8176	174	12	tr	tr	VERB
easat-8176	174	13	)	)	PUNCT
easat-8176	174	14	i	i	PRON
easat-8176	174	15	feel	feel	VERB
easat-8176	174	16	at	at	ADP
easat-8176	174	17	ease	ease	NOUN
easat-8176	174	18	when	when	SCONJ
easat-8176	174	19	adopting	adopt	VERB
easat-8176	174	20	new	new	ADJ
easat-8176	174	21	technologies	technology	NOUN
easat-8176	174	22	,	,	PUNCT
easat-8176	174	23	such	such	ADJ
easat-8176	174	24	as	as	ADP
easat-8176	174	25	nfc	nfc	NOUN
easat-8176	174	26	mobile	mobile	ADJ
easat-8176	174	27	payment	payment	NOUN
easat-8176	174	28	systems	system	NOUN
easat-8176	174	29	.	.	PUNCT
easat-8176	175	1	0.604	0.604	NUM
easat-8176	175	2	0.713	0.713	NUM
easat-8176	175	3	i	i	PRON
easat-8176	175	4	am	be	AUX
easat-8176	175	5	open	open	ADJ
easat-8176	175	6	to	to	ADP
easat-8176	175	7	experimenting	experiment	VERB
easat-8176	175	8	with	with	ADP
easat-8176	175	9	emerging	emerge	VERB
easat-8176	175	10	technologies	technology	NOUN
easat-8176	175	11	that	that	PRON
easat-8176	175	12	have	have	VERB
easat-8176	175	13	the	the	DET
easat-8176	175	14	potential	potential	NOUN
easat-8176	175	15	to	to	PART
easat-8176	175	16	enhance	enhance	VERB
easat-8176	175	17	my	my	PRON
easat-8176	175	18	everyday	everyday	ADJ
easat-8176	175	19	activities	activity	NOUN
easat-8176	175	20	.	.	PUNCT
easat-8176	176	1	0.513	0.513	NUM
easat-8176	176	2	0.760	0.760	NUM
easat-8176	176	3	i	i	PRON
easat-8176	176	4	possess	possess	VERB
easat-8176	176	5	the	the	DET
easat-8176	176	6	required	require	VERB
easat-8176	176	7	competencies	competency	NOUN
easat-8176	176	8	to	to	PART
easat-8176	176	9	utilize	utilize	VERB
easat-8176	176	10	nfc	nfc	NOUN
easat-8176	176	11	mobile	mobile	ADJ
easat-8176	176	12	payment	payment	NOUN
easat-8176	176	13	services	service	NOUN
easat-8176	176	14	efficiently	efficiently	ADV
easat-8176	176	15	.	.	PUNCT
easat-8176	177	1	0.590	0.590	NUM
easat-8176	177	2	0.724	0.724	NUM
easat-8176	177	3	i	i	PRON
easat-8176	177	4	think	think	VERB
easat-8176	177	5	i	i	PRON
easat-8176	177	6	would	would	AUX
easat-8176	177	7	be	be	AUX
easat-8176	177	8	able	able	ADJ
easat-8176	177	9	to	to	PART
easat-8176	177	10	pick	pick	VERB
easat-8176	177	11	up	up	ADP
easat-8176	177	12	and	and	CCONJ
easat-8176	177	13	stay	stay	VERB
easat-8176	177	14	current	current	ADJ
easat-8176	177	15	with	with	ADP
easat-8176	177	16	advances	advance	NOUN
easat-8176	177	17	in	in	ADP
easat-8176	177	18	mobile	mobile	ADJ
easat-8176	177	19	payment	payment	NOUN
easat-8176	177	20	technology	technology	NOUN
easat-8176	177	21	quite	quite	ADV
easat-8176	177	22	easily	easily	ADV
easat-8176	177	23	.	.	PUNCT
easat-8176	178	1	0.636	0.636	NUM
easat-8176	178	2	0.696	0.696	NUM
easat-8176	178	3	cronbach	cronbach	NOUN
easat-8176	178	4	's	's	PART
easat-8176	178	5	alpha	alpha	ADJ
easat-8176	178	6	coefficient	coefficient	NOUN
easat-8176	178	7	:	:	PUNCT
easat-8176	178	8	0.747	0.747	NUM
easat-8176	178	9	service	service	NOUN
easat-8176	178	10	quality	quality	NOUN
easat-8176	178	11	(	(	PUNCT
easat-8176	178	12	sq	sq	ADJ
easat-8176	178	13	)	)	PUNCT
easat-8176	178	14	.	.	PUNCT
easat-8176	179	1	nfc	nfc	NOUN
easat-8176	179	2	mobile	mobile	ADJ
easat-8176	179	3	payment	payment	NOUN
easat-8176	179	4	services	service	NOUN
easat-8176	179	5	provide	provide	VERB
easat-8176	179	6	prompt	prompt	ADJ
easat-8176	179	7	and	and	CCONJ
easat-8176	179	8	efficient	efficient	ADJ
easat-8176	179	9	support	support	NOUN
easat-8176	179	10	when	when	SCONJ
easat-8176	179	11	needed	need	VERB
easat-8176	179	12	.	.	PUNCT
easat-8176	180	1	0.504	0.504	NUM
easat-8176	180	2	0.710	0.710	NUM
easat-8176	180	3	the	the	DET
easat-8176	180	4	customer	customer	NOUN
easat-8176	180	5	service	service	NOUN
easat-8176	180	6	of	of	ADP
easat-8176	180	7	nfc	nfc	NOUN
easat-8176	180	8	mobile	mobile	ADJ
easat-8176	180	9	payment	payment	NOUN
easat-8176	180	10	providers	provider	NOUN
easat-8176	180	11	is	be	AUX
easat-8176	180	12	reliable	reliable	ADJ
easat-8176	180	13	and	and	CCONJ
easat-8176	180	14	helpful	helpful	ADJ
easat-8176	180	15	.	.	PUNCT
easat-8176	181	1	0.474	0.474	NUM
easat-8176	181	2	0.725	0.725	NUM
easat-8176	181	3	i	i	PRON
easat-8176	181	4	believe	believe	VERB
easat-8176	181	5	that	that	SCONJ
easat-8176	181	6	my	my	PRON
easat-8176	181	7	financial	financial	ADJ
easat-8176	181	8	information	information	NOUN
easat-8176	181	9	will	will	AUX
easat-8176	181	10	be	be	AUX
easat-8176	181	11	secured	secure	VERB
easat-8176	181	12	safely	safely	ADV
easat-8176	181	13	and	and	CCONJ
easat-8176	181	14	can	can	AUX
easat-8176	181	15	not	not	PART
easat-8176	181	16	be	be	AUX
easat-8176	181	17	misused	misuse	VERB
easat-8176	181	18	when	when	SCONJ
easat-8176	181	19	i	i	PRON
easat-8176	181	20	use	use	VERB
easat-8176	181	21	nfc	nfc	NOUN
easat-8176	181	22	mobile	mobile	ADJ
easat-8176	181	23	payment	payment	NOUN
easat-8176	181	24	services	service	NOUN
easat-8176	181	25	0.590	0.590	NUM
easat-8176	181	26	0.661	0.661	NUM
easat-8176	181	27	nfc	nfc	NOUN
easat-8176	181	28	mobile	mobile	ADJ
easat-8176	181	29	payment	payment	NOUN
easat-8176	181	30	systems	system	NOUN
easat-8176	181	31	consistently	consistently	ADV
easat-8176	181	32	deliver	deliver	VERB
easat-8176	181	33	services	service	NOUN
easat-8176	181	34	as	as	SCONJ
easat-8176	181	35	promised	promise	VERB
easat-8176	181	36	.	.	PUNCT
easat-8176	182	1	0.604	0.604	NUM
easat-8176	182	2	0.653	0.653	NUM
easat-8176	182	3	cronbach	cronbach	NOUN
easat-8176	182	4	's	's	PART
easat-8176	182	5	alpha	alpha	ADJ
easat-8176	182	6	coefficient	coefficient	NOUN
easat-8176	182	7	:	:	PUNCT
easat-8176	182	8	0.799	0.799	NUM
easat-8176	182	9	the	the	DET
easat-8176	182	10	individual	individual	ADJ
easat-8176	182	11	customers	customer	NOUN
easat-8176	182	12	’	’	PART
easat-8176	182	13	intention	intention	NOUN
easat-8176	182	14	to	to	PART
easat-8176	182	15	use	use	VERB
easat-8176	182	16	nfc	nfc	NOUN
easat-8176	182	17	mobile	mobile	ADJ
easat-8176	182	18	payment	payment	NOUN
easat-8176	182	19	services	service	NOUN
easat-8176	182	20	in	in	ADP
easat-8176	182	21	ho	ho	PROPN
easat-8176	182	22	chi	chi	PROPN
easat-8176	182	23	minh	minh	PROPN
easat-8176	182	24	city	city	NOUN
easat-8176	182	25	(	(	PUNCT
easat-8176	182	26	iunfc	iunfc	NOUN
easat-8176	182	27	)	)	PUNCT
easat-8176	182	28	i	i	PRON
easat-8176	182	29	anticipate	anticipate	AUX
easat-8176	182	30	consistently	consistently	ADV
easat-8176	182	31	incorporating	incorporate	VERB
easat-8176	182	32	nfc	nfc	NOUN
easat-8176	182	33	mobile	mobile	ADJ
easat-8176	182	34	payment	payment	NOUN
easat-8176	182	35	services	service	NOUN
easat-8176	182	36	into	into	ADP
easat-8176	182	37	my	my	PRON
easat-8176	182	38	future	future	ADJ
easat-8176	182	39	transactions	transaction	NOUN
easat-8176	182	40	.	.	PUNCT
easat-8176	183	1	0.584	0.584	NUM
easat-8176	183	2	0.763	0.763	NUM
easat-8176	183	3	whenever	whenever	SCONJ
easat-8176	183	4	feasible	feasible	ADJ
easat-8176	183	5	,	,	PUNCT
easat-8176	183	6	i	i	PRON
easat-8176	183	7	will	will	AUX
easat-8176	183	8	opt	opt	VERB
easat-8176	183	9	for	for	ADP
easat-8176	183	10	nfc	nfc	NOUN
easat-8176	183	11	mobile	mobile	ADJ
easat-8176	183	12	payments	payment	NOUN
easat-8176	183	13	to	to	PART
easat-8176	183	14	complete	complete	VERB
easat-8176	183	15	my	my	PRON
easat-8176	183	16	transactions	transaction	NOUN
easat-8176	183	17	.	.	PUNCT
easat-8176	184	1	0.595	0.595	NUM
easat-8176	184	2	0.757	0.757	NUM
easat-8176	184	3	i	i	PRON
easat-8176	184	4	am	be	AUX
easat-8176	184	5	inclined	inclined	ADJ
easat-8176	184	6	to	to	PART
easat-8176	184	7	suggest	suggest	VERB
easat-8176	184	8	the	the	DET
easat-8176	184	9	use	use	NOUN
easat-8176	184	10	of	of	ADP
easat-8176	184	11	nfc	nfc	NOUN
easat-8176	184	12	mobile	mobile	ADJ
easat-8176	184	13	payment	payment	NOUN
easat-8176	184	14	services	service	NOUN
easat-8176	184	15	to	to	ADP
easat-8176	184	16	others	other	NOUN
easat-8176	184	17	.	.	PUNCT
easat-8176	185	1	0.642	0.642	NUM
easat-8176	185	2	0.734	0.734	NUM
easat-8176	185	3	i	i	PRON
easat-8176	185	4	plan	plan	VERB
easat-8176	185	5	to	to	PART
easat-8176	185	6	keep	keep	VERB
easat-8176	185	7	using	use	VERB
easat-8176	185	8	nfc	nfc	NOUN
easat-8176	185	9	mobile	mobile	ADJ
easat-8176	185	10	payment	payment	NOUN
easat-8176	185	11	services	service	NOUN
easat-8176	185	12	for	for	ADP
easat-8176	185	13	many	many	ADJ
easat-8176	185	14	years	year	NOUN
easat-8176	185	15	to	to	PART
easat-8176	185	16	come	come	VERB
easat-8176	185	17	.	.	PUNCT
easat-8176	186	1	0.627	0.627	NUM
easat-8176	186	2	0.742	0.742	NUM
easat-8176	186	3	1497	1497	NUM
easat-8176	186	4	edelweiss	edelweiss	PROPN
easat-8176	186	5	applied	apply	VERB
easat-8176	186	6	science	science	NOUN
easat-8176	186	7	and	and	CCONJ
easat-8176	186	8	technology	technology	NOUN
easat-8176	186	9	issn	issn	PROPN
easat-8176	186	10	:	:	PUNCT
easat-8176	186	11	2576	2576	NUM
easat-8176	186	12	-	-	SYM
easat-8176	186	13	8484	8484	NUM
easat-8176	186	14	vol	vol	NOUN
easat-8176	186	15	.	.	PROPN
easat-8176	187	1	9	9	NUM
easat-8176	187	2	,	,	PUNCT
easat-8176	187	3	no	no	INTJ
easat-8176	187	4	.	.	NOUN
easat-8176	187	5	6	6	NUM
easat-8176	187	6	:	:	SYM
easat-8176	187	7	1490	1490	NUM
easat-8176	187	8	-	-	SYM
easat-8176	187	9	1502	1502	NUM
easat-8176	187	10	,	,	PUNCT
easat-8176	187	11	2025	2025	NUM
easat-8176	187	12	doi	doi	NOUN
easat-8176	187	13	:	:	PUNCT
easat-8176	187	14	10.55214/25768484.v9i6.8176	10.55214/25768484.v9i6.8176	PROPN
easat-8176	187	15	©	©	PROPN
easat-8176	187	16	2025	2025	NUM
easat-8176	187	17	by	by	ADP
easat-8176	187	18	the	the	DET
easat-8176	187	19	authors	author	NOUN
easat-8176	187	20	;	;	PUNCT
easat-8176	187	21	licensee	licensee	PROPN
easat-8176	187	22	learning	learning	NOUN
easat-8176	187	23	gate	gate	VERB
easat-8176	187	24	4.2	4.2	NUM
easat-8176	187	25	.	.	PUNCT
easat-8176	188	1	reliability	reliability	NOUN
easat-8176	188	2	testing	testing	NOUN
easat-8176	188	3	of	of	ADP
easat-8176	188	4	the	the	DET
easat-8176	188	5	scale	scale	NOUN
easat-8176	188	6	cronbach	cronbach	NOUN
easat-8176	188	7	's	's	PART
easat-8176	188	8	alpha	alpha	ADJ
easat-8176	188	9	coefficient	coefficient	NOUN
easat-8176	188	10	is	be	AUX
easat-8176	188	11	greater	great	ADJ
easat-8176	188	12	than	than	ADP
easat-8176	188	13	0.60	0.60	NUM
easat-8176	188	14	which	which	PRON
easat-8176	188	15	indicates	indicate	VERB
easat-8176	188	16	an	an	DET
easat-8176	188	17	acceptable	acceptable	ADJ
easat-8176	188	18	level	level	NOUN
easat-8176	188	19	of	of	ADP
easat-8176	188	20	internal	internal	ADJ
easat-8176	188	21	consistency	consistency	NOUN
easat-8176	188	22	in	in	ADP
easat-8176	188	23	the	the	DET
easat-8176	188	24	scale	scale	NOUN
easat-8176	188	25	,	,	PUNCT
easat-8176	188	26	i.e.	i.e.	X
easat-8176	188	27	,	,	PUNCT
easat-8176	188	28	the	the	DET
easat-8176	188	29	observed	observed	ADJ
easat-8176	188	30	variables	variable	NOUN
easat-8176	188	31	belonging	belong	VERB
easat-8176	188	32	to	to	ADP
easat-8176	188	33	the	the	DET
easat-8176	188	34	same	same	ADJ
easat-8176	188	35	conceptual	conceptual	ADJ
easat-8176	188	36	domain	domain	NOUN
easat-8176	188	37	reliably	reliably	ADV
easat-8176	188	38	and	and	CCONJ
easat-8176	188	39	consistently	consistently	ADV
easat-8176	188	40	measure	measure	VERB
easat-8176	188	41	the	the	DET
easat-8176	188	42	underlying	underlie	VERB
easat-8176	188	43	construct	construct	NOUN
easat-8176	188	44	that	that	SCONJ
easat-8176	188	45	they	they	PRON
easat-8176	188	46	are	be	AUX
easat-8176	188	47	supposed	suppose	VERB
easat-8176	188	48	to	to	PART
easat-8176	188	49	be	be	AUX
easat-8176	188	50	measuring	measure	VERB
easat-8176	188	51	.	.	PUNCT
easat-8176	189	1	the	the	DET
easat-8176	189	2	measure	measure	NOUN
easat-8176	189	3	serves	serve	VERB
easat-8176	189	4	a	a	DET
easat-8176	189	5	fundamental	fundamental	ADJ
easat-8176	189	6	purpose	purpose	NOUN
easat-8176	189	7	in	in	ADP
easat-8176	189	8	establishing	establish	VERB
easat-8176	189	9	the	the	DET
easat-8176	189	10	reliability	reliability	NOUN
easat-8176	189	11	of	of	ADP
easat-8176	189	12	the	the	DET
easat-8176	189	13	measuring	measure	VERB
easat-8176	189	14	instrument	instrument	NOUN
easat-8176	189	15	,	,	PUNCT
easat-8176	189	16	particularly	particularly	ADV
easat-8176	189	17	in	in	ADP
easat-8176	189	18	the	the	DET
easat-8176	189	19	case	case	NOUN
easat-8176	189	20	of	of	ADP
easat-8176	189	21	quantitative	quantitative	ADJ
easat-8176	189	22	research	research	NOUN
easat-8176	189	23	that	that	PRON
easat-8176	189	24	utilizes	utilize	VERB
easat-8176	189	25	multi	multi	ADJ
easat-8176	189	26	-	-	ADJ
easat-8176	189	27	item	item	ADJ
easat-8176	189	28	scales	scale	NOUN
easat-8176	189	29	.	.	PUNCT
easat-8176	190	1	at	at	ADP
easat-8176	190	2	the	the	DET
easat-8176	190	3	same	same	ADJ
easat-8176	190	4	time	time	NOUN
easat-8176	190	5	,	,	PUNCT
easat-8176	190	6	a	a	DET
easat-8176	190	7	correlation	correlation	NOUN
easat-8176	190	8	coefficient	coefficient	NOUN
easat-8176	190	9	of	of	ADP
easat-8176	190	10	more	more	ADJ
easat-8176	190	11	than	than	ADP
easat-8176	190	12	0.30	0.30	NUM
easat-8176	190	13	between	between	ADP
easat-8176	190	14	the	the	DET
easat-8176	190	15	variables	variable	NOUN
easat-8176	190	16	being	be	AUX
easat-8176	190	17	measured	measure	VERB
easat-8176	190	18	is	be	AUX
easat-8176	190	19	said	say	VERB
easat-8176	190	20	to	to	PART
easat-8176	190	21	reflect	reflect	VERB
easat-8176	190	22	a	a	DET
easat-8176	190	23	statistically	statistically	ADV
easat-8176	190	24	significant	significant	ADJ
easat-8176	190	25	indicator	indicator	NOUN
easat-8176	190	26	that	that	PRON
easat-8176	190	27	portrays	portray	VERB
easat-8176	190	28	a	a	DET
easat-8176	190	29	moderate	moderate	ADJ
easat-8176	190	30	degree	degree	NOUN
easat-8176	190	31	of	of	ADP
easat-8176	190	32	association	association	NOUN
easat-8176	190	33	among	among	ADP
easat-8176	190	34	the	the	DET
easat-8176	190	35	items	item	NOUN
easat-8176	190	36	,	,	PUNCT
easat-8176	190	37	thus	thus	ADV
easat-8176	190	38	offering	offer	VERB
easat-8176	190	39	strong	strong	ADJ
easat-8176	190	40	evidence	evidence	NOUN
easat-8176	190	41	for	for	ADP
easat-8176	190	42	the	the	DET
easat-8176	190	43	development	development	NOUN
easat-8176	190	44	of	of	ADP
easat-8176	190	45	construct	construct	NOUN
easat-8176	190	46	validity	validity	NOUN
easat-8176	190	47	.	.	PUNCT
easat-8176	191	1	simultaneously	simultaneously	ADV
easat-8176	191	2	satisfying	satisfy	VERB
easat-8176	191	3	both	both	PRON
easat-8176	191	4	of	of	ADP
easat-8176	191	5	these	these	PRON
easat-8176	191	6	is	be	AUX
easat-8176	191	7	a	a	DET
easat-8176	191	8	critical	critical	ADJ
easat-8176	191	9	building	building	NOUN
easat-8176	191	10	block	block	NOUN
easat-8176	191	11	for	for	ADP
easat-8176	191	12	checking	check	VERB
easat-8176	191	13	that	that	SCONJ
easat-8176	191	14	the	the	DET
easat-8176	191	15	scale	scale	NOUN
easat-8176	191	16	has	have	VERB
easat-8176	191	17	not	not	PART
easat-8176	191	18	only	only	ADV
easat-8176	191	19	internal	internal	ADJ
easat-8176	191	20	stability	stability	NOUN
easat-8176	191	21	but	but	CCONJ
easat-8176	191	22	also	also	ADV
easat-8176	191	23	the	the	DET
easat-8176	191	24	capacity	capacity	NOUN
easat-8176	191	25	to	to	PART
easat-8176	191	26	validly	validly	ADV
easat-8176	191	27	capture	capture	VERB
easat-8176	191	28	the	the	DET
easat-8176	191	29	theoretical	theoretical	ADJ
easat-8176	191	30	constructs	construct	NOUN
easat-8176	191	31	examined	examine	VERB
easat-8176	191	32	in	in	ADP
easat-8176	191	33	the	the	DET
easat-8176	191	34	research	research	NOUN
easat-8176	191	35	model	model	NOUN
easat-8176	191	36	.	.	PUNCT
easat-8176	192	1	table	table	NOUN
easat-8176	192	2	4	4	NUM
easat-8176	192	3	.	.	PUNCT
easat-8176	193	1	rotated	rotate	VERB
easat-8176	193	2	component	component	NOUN
easat-8176	193	3	matrixa	matrixa	NOUN
easat-8176	193	4	.	.	PUNCT
easat-8176	194	1	component	component	NOUN
easat-8176	194	2	1	1	NUM
easat-8176	194	3	2	2	NUM
easat-8176	194	4	3	3	NUM
easat-8176	194	5	4	4	NUM
easat-8176	194	6	5	5	NUM
easat-8176	194	7	6	6	NUM
easat-8176	194	8	tru6	tru6	NUM
easat-8176	194	9	0.852	0.852	NUM
easat-8176	194	10	tru3	tru3	PROPN
easat-8176	194	11	0.848	0.848	NUM
easat-8176	194	12	tru4	tru4	PROPN
easat-8176	194	13	0.831	0.831	NUM
easat-8176	194	14	tru7	tru7	NOUN
easat-8176	194	15	0.813	0.813	NUM
easat-8176	194	16	tru2	tru2	NOUN
easat-8176	194	17	0.803	0.803	NUM
easat-8176	194	18	tru5	tru5	PROPN
easat-8176	194	19	0.788	0.788	NUM
easat-8176	194	20	tru1	tru1	PROPN
easat-8176	194	21	0.765	0.765	NUM
easat-8176	194	22	si3	si3	PROPN
easat-8176	194	23	0.840	0.840	NUM
easat-8176	194	24	si4	si4	PROPN
easat-8176	194	25	0.833	0.833	NUM
easat-8176	194	26	si6	si6	ADV
easat-8176	194	27	0.833	0.833	NUM
easat-8176	194	28	si2	si2	NOUN
easat-8176	194	29	0.830	0.830	NUM
easat-8176	194	30	si1	si1	VERB
easat-8176	194	31	0.814	0.814	NUM
easat-8176	194	32	si5	si5	NOUN
easat-8176	194	33	0.813	0.813	NUM
easat-8176	194	34	pu3	pu3	PROPN
easat-8176	194	35	0.741	0.741	NUM
easat-8176	194	36	pu4	pu4	X
easat-8176	194	37	0.737	0.737	NUM
easat-8176	194	38	pu1	pu1	NOUN
easat-8176	194	39	0.691	0.691	NUM
easat-8176	194	40	pu2	pu2	NOUN
easat-8176	194	41	0.660	0.660	NUM
easat-8176	194	42	pu5	pu5	VERB
easat-8176	194	43	0.652	0.652	NUM
easat-8176	194	44	tr4	tr4	PROPN
easat-8176	194	45	0.806	0.806	NUM
easat-8176	194	46	tr1	tr1	PROPN
easat-8176	194	47	0.790	0.790	NUM
easat-8176	194	48	tr3	tr3	NOUN
easat-8176	194	49	0.772	0.772	NUM
easat-8176	194	50	tr2	tr2	NOUN
easat-8176	194	51	0.709	0.709	NUM
easat-8176	194	52	peu3	peu3	PROPN
easat-8176	194	53	0.798	0.798	NUM
easat-8176	194	54	peu4	peu4	PROPN
easat-8176	194	55	0.778	0.778	NUM
easat-8176	194	56	peu1	peu1	PROPN
easat-8176	194	57	0.727	0.727	NUM
easat-8176	194	58	peu2	peu2	NOUN
easat-8176	194	59	0.719	0.719	NUM
easat-8176	194	60	sq4	sq4	NOUN
easat-8176	194	61	0.798	0.798	NUM
easat-8176	194	62	sq3	sq3	VERB
easat-8176	194	63	0.792	0.792	NUM
easat-8176	194	64	sq1	sq1	NOUN
easat-8176	194	65	0.714	0.714	NUM
easat-8176	194	66	sq2	sq2	NOUN
easat-8176	194	67	0.687	0.687	NUM
easat-8176	194	68	eigenvalues	eigenvalue	VERB
easat-8176	194	69	2.318	2.318	NUM
easat-8176	194	70	extracted	extract	VERB
easat-8176	194	71	variance	variance	NOUN
easat-8176	194	72	61.565	61.565	NUM
easat-8176	194	73	kmo	kmo	PROPN
easat-8176	194	74	coefficient	coefficient	NOUN
easat-8176	194	75	0.810	0.810	NUM
easat-8176	194	76	bartlett	bartlett	PROPN
easat-8176	194	77	test	test	NOUN
easat-8176	194	78	significance	significance	NOUN
easat-8176	194	79	level	level	NOUN
easat-8176	194	80	0.000	0.000	NUM
easat-8176	194	81	4.3	4.3	NUM
easat-8176	194	82	.	.	PUNCT
easat-8176	194	83	exploratory	exploratory	ADJ
easat-8176	194	84	factor	factor	NOUN
easat-8176	194	85	analysis	analysis	NOUN
easat-8176	194	86	bartlett	bartlett	NOUN
easat-8176	194	87	's	's	PART
easat-8176	194	88	test	test	NOUN
easat-8176	194	89	(	(	PUNCT
easat-8176	194	90	p	p	X
easat-8176	194	91	<	<	X
easat-8176	194	92	0.001	0.001	NUM
easat-8176	194	93	)	)	PUNCT
easat-8176	194	94	showed	show	VERB
easat-8176	194	95	that	that	SCONJ
easat-8176	194	96	the	the	DET
easat-8176	194	97	correlation	correlation	NOUN
easat-8176	194	98	matrices	matrix	NOUN
easat-8176	194	99	were	be	AUX
easat-8176	194	100	sufficiently	sufficiently	ADV
easat-8176	194	101	different	different	ADJ
easat-8176	194	102	to	to	PART
easat-8176	194	103	perform	perform	VERB
easat-8176	194	104	efa	efa	PROPN
easat-8176	194	105	.	.	PUNCT
easat-8176	195	1	the	the	DET
easat-8176	195	2	kmo	kmo	PROPN
easat-8176	195	3	value	value	NOUN
easat-8176	195	4	was	be	AUX
easat-8176	195	5	0.810	0.810	NUM
easat-8176	195	6	,	,	PUNCT
easat-8176	195	7	in	in	ADP
easat-8176	195	8	the	the	DET
easat-8176	195	9	"	"	PUNCT
easat-8176	195	10	good	good	ADJ
easat-8176	195	11	"	"	PUNCT
easat-8176	195	12	range	range	NOUN
easat-8176	195	13	(	(	PUNCT
easat-8176	195	14	0.8–0.9	0.8–0.9	NOUN
easat-8176	195	15	)	)	PUNCT
easat-8176	195	16	.	.	PUNCT
easat-8176	196	1	all	all	DET
easat-8176	196	2	factors	factor	NOUN
easat-8176	196	3	had	have	AUX
easat-8176	196	4	eigenvalues	eigenvalue	VERB
easat-8176	196	5	>	>	X
easat-8176	196	6	1	1	NUM
easat-8176	196	7	,	,	PUNCT
easat-8176	196	8	explaining	explain	VERB
easat-8176	196	9	61.565	61.565	NUM
easat-8176	196	10	%	%	NOUN
easat-8176	196	11	of	of	ADP
easat-8176	196	12	the	the	DET
easat-8176	196	13	variance	variance	NOUN
easat-8176	196	14	,	,	PUNCT
easat-8176	196	15	with	with	ADP
easat-8176	196	16	factor	factor	NOUN
easat-8176	196	17	loading	loading	NOUN
easat-8176	196	18	>	>	X
easat-8176	196	19	0.65	0.65	NUM
easat-8176	196	20	,	,	PUNCT
easat-8176	196	21	reflecting	reflect	VERB
easat-8176	196	22	high	high	ADJ
easat-8176	196	23	convergence	convergence	NOUN
easat-8176	196	24	.	.	PUNCT
easat-8176	197	1	1498	1498	NUM
easat-8176	197	2	edelweiss	edelweiss	PROPN
easat-8176	197	3	applied	apply	VERB
easat-8176	197	4	science	science	NOUN
easat-8176	197	5	and	and	CCONJ
easat-8176	197	6	technology	technology	NOUN
easat-8176	197	7	issn	issn	PROPN
easat-8176	197	8	:	:	PUNCT
easat-8176	197	9	2576	2576	NUM
easat-8176	197	10	-	-	SYM
easat-8176	197	11	8484	8484	NUM
easat-8176	197	12	vol	vol	NOUN
easat-8176	197	13	.	.	PROPN
easat-8176	198	1	9	9	NUM
easat-8176	198	2	,	,	PUNCT
easat-8176	198	3	no	no	INTJ
easat-8176	198	4	.	.	NOUN
easat-8176	198	5	6	6	NUM
easat-8176	198	6	:	:	SYM
easat-8176	198	7	1490	1490	NUM
easat-8176	198	8	-	-	SYM
easat-8176	198	9	1502	1502	NUM
easat-8176	198	10	,	,	PUNCT
easat-8176	198	11	2025	2025	NUM
easat-8176	198	12	doi	doi	NOUN
easat-8176	198	13	:	:	PUNCT
easat-8176	198	14	10.55214/25768484.v9i6.8176	10.55214/25768484.v9i6.8176	PROPN
easat-8176	198	15	©	©	PROPN
easat-8176	198	16	2025	2025	NUM
easat-8176	198	17	by	by	ADP
easat-8176	198	18	the	the	DET
easat-8176	198	19	authors	author	NOUN
easat-8176	198	20	;	;	PUNCT
easat-8176	198	21	licensee	licensee	PROPN
easat-8176	198	22	learning	learn	VERB
easat-8176	198	23	gate	gate	NOUN
easat-8176	198	24	table	table	NOUN
easat-8176	198	25	5	5	NUM
easat-8176	198	26	.	.	PUNCT
easat-8176	198	27	results	result	NOUN
easat-8176	198	28	of	of	ADP
easat-8176	198	29	kmo	kmo	PROPN
easat-8176	198	30	and	and	CCONJ
easat-8176	198	31	bartlett	bartlett	PROPN
easat-8176	198	32	's	's	PART
easat-8176	198	33	test	test	NOUN
easat-8176	198	34	.	.	PUNCT
easat-8176	199	1	kaiser	kaiser	PROPN
easat-8176	199	2	-	-	PUNCT
easat-8176	199	3	meyer	meyer	PROPN
easat-8176	199	4	-	-	PUNCT
easat-8176	199	5	olkin	olkin	NOUN
easat-8176	199	6	measure	measure	NOUN
easat-8176	199	7	of	of	ADP
easat-8176	199	8	sampling	sample	VERB
easat-8176	199	9	adequacy	adequacy	NOUN
easat-8176	199	10	.	.	PUNCT
easat-8176	200	1	0.780	0.780	NUM
easat-8176	200	2	bartlett	bartlett	PROPN
easat-8176	200	3	's	's	PART
easat-8176	200	4	test	test	NOUN
easat-8176	200	5	of	of	ADP
easat-8176	200	6	sphericity	sphericity	PROPN
easat-8176	200	7	approx	approx	PROPN
easat-8176	200	8	.	.	PUNCT
easat-8176	201	1	chi	chi	ADJ
easat-8176	201	2	-	-	PUNCT
easat-8176	201	3	square	square	ADJ
easat-8176	201	4	457.516	457.516	NUM
easat-8176	201	5	df	df	PROPN
easat-8176	201	6	6	6	NUM
easat-8176	201	7	sig	sig	NOUN
easat-8176	201	8	.	.	PUNCT
easat-8176	201	9	0.000	0.000	NUM
easat-8176	202	1	the	the	DET
easat-8176	202	2	adequacy	adequacy	NOUN
easat-8176	202	3	of	of	ADP
easat-8176	202	4	the	the	DET
easat-8176	202	5	data	datum	NOUN
easat-8176	202	6	was	be	AUX
easat-8176	202	7	assured	assure	VERB
easat-8176	202	8	by	by	ADP
easat-8176	202	9	a	a	DET
easat-8176	202	10	kmo	kmo	NOUN
easat-8176	202	11	index	index	NOUN
easat-8176	202	12	of	of	ADP
easat-8176	202	13	0.780	0.780	NUM
easat-8176	202	14	,	,	PUNCT
easat-8176	202	15	which	which	PRON
easat-8176	202	16	meant	mean	VERB
easat-8176	202	17	that	that	SCONJ
easat-8176	202	18	the	the	DET
easat-8176	202	19	sample	sample	NOUN
easat-8176	202	20	adequacy	adequacy	NOUN
easat-8176	202	21	was	be	AUX
easat-8176	202	22	good	good	ADJ
easat-8176	202	23	.	.	PUNCT
easat-8176	203	1	meanwhile	meanwhile	ADV
easat-8176	203	2	,	,	PUNCT
easat-8176	203	3	bartlett	bartlett	PROPN
easat-8176	203	4	's	's	PART
easat-8176	203	5	test	test	NOUN
easat-8176	203	6	yielded	yield	VERB
easat-8176	203	7	an	an	DET
easat-8176	203	8	output	output	NOUN
easat-8176	203	9	that	that	PRON
easat-8176	203	10	was	be	AUX
easat-8176	203	11	highly	highly	ADV
easat-8176	203	12	statistically	statistically	ADV
easat-8176	203	13	significant	significant	ADJ
easat-8176	203	14	(	(	PUNCT
easat-8176	203	15	chi	chi	ADJ
easat-8176	203	16	-	-	PUNCT
easat-8176	203	17	square	square	NOUN
easat-8176	203	18	=	=	SYM
easat-8176	203	19	457.516	457.516	NUM
easat-8176	203	20	;	;	PUNCT
easat-8176	203	21	df	df	PROPN
easat-8176	203	22	=	=	SYM
easat-8176	203	23	6	6	NUM
easat-8176	203	24	;	;	PUNCT
easat-8176	203	25	p	p	X
easat-8176	203	26	<	<	X
easat-8176	203	27	0.001	0.001	NUM
easat-8176	203	28	)	)	PUNCT
easat-8176	203	29	,	,	PUNCT
easat-8176	203	30	thereby	thereby	ADV
easat-8176	203	31	rejecting	reject	VERB
easat-8176	203	32	the	the	DET
easat-8176	203	33	assumption	assumption	NOUN
easat-8176	203	34	of	of	ADP
easat-8176	203	35	a	a	DET
easat-8176	203	36	homogeneous	homogeneous	ADJ
easat-8176	203	37	correlation	correlation	NOUN
easat-8176	203	38	matrix	matrix	NOUN
easat-8176	203	39	and	and	CCONJ
easat-8176	203	40	confirming	confirm	VERB
easat-8176	203	41	the	the	DET
easat-8176	203	42	suitability	suitability	NOUN
easat-8176	203	43	of	of	ADP
easat-8176	203	44	the	the	DET
easat-8176	203	45	data	datum	NOUN
easat-8176	203	46	for	for	ADP
easat-8176	203	47	efa	efa	PROPN
easat-8176	203	48	.	.	PUNCT
easat-8176	204	1	thereby	thereby	ADV
easat-8176	204	2	rejecting	reject	VERB
easat-8176	204	3	the	the	DET
easat-8176	204	4	assumption	assumption	NOUN
easat-8176	204	5	of	of	ADP
easat-8176	204	6	a	a	DET
easat-8176	204	7	homogeneous	homogeneous	ADJ
easat-8176	204	8	correlation	correlation	NOUN
easat-8176	204	9	matrix	matrix	NOUN
easat-8176	204	10	and	and	CCONJ
easat-8176	204	11	ascertaining	ascertain	VERB
easat-8176	204	12	the	the	DET
easat-8176	204	13	fitness	fitness	NOUN
easat-8176	204	14	of	of	ADP
easat-8176	204	15	the	the	DET
easat-8176	204	16	data	datum	NOUN
easat-8176	204	17	for	for	ADP
easat-8176	204	18	exploratory	exploratory	ADJ
easat-8176	204	19	factor	factor	NOUN
easat-8176	204	20	analysis	analysis	NOUN
easat-8176	204	21	.	.	PUNCT
easat-8176	205	1	table	table	NOUN
easat-8176	205	2	6	6	NUM
easat-8176	205	3	.	.	PUNCT
easat-8176	206	1	summary	summary	NOUN
easat-8176	206	2	of	of	ADP
easat-8176	206	3	component	component	NOUN
easat-8176	206	4	matrix	matrix	NOUN
easat-8176	206	5	efa	efa	PROPN
easat-8176	206	6	.	.	PUNCT
easat-8176	207	1	observed	observe	VERB
easat-8176	207	2	variable	variable	ADJ
easat-8176	207	3	factor	factor	NOUN
easat-8176	207	4	load	load	NOUN
easat-8176	207	5	factor	factor	NOUN
easat-8176	207	6	1	1	NUM
easat-8176	207	7	iunfc3	iunfc3	NOUN
easat-8176	207	8	0.812	0.812	NUM
easat-8176	207	9	iunfc4	iunfc4	NOUN
easat-8176	207	10	0.801	0.801	NUM
easat-8176	207	11	iunfc2	iunfc2	NOUN
easat-8176	207	12	0.779	0.779	NUM
easat-8176	207	13	iunfc1	iunfc1	NOUN
easat-8176	207	14	0.770	0.770	NUM
easat-8176	207	15	table	table	NOUN
easat-8176	207	16	7	7	NUM
easat-8176	207	17	.	.	NUM
easat-8176	207	18	explained	explain	VERB
easat-8176	207	19	variance	variance	NOUN
easat-8176	207	20	and	and	CCONJ
easat-8176	207	21	eigenvalues	eigenvalue	NOUN
easat-8176	207	22	of	of	ADP
easat-8176	207	23	extracted	extract	VERB
easat-8176	207	24	components	component	NOUN
easat-8176	207	25	.	.	PUNCT
easat-8176	208	1	component	component	NOUN
easat-8176	208	2	initial	initial	ADJ
easat-8176	208	3	eigenvalues	eigenvalue	VERB
easat-8176	208	4	extraction	extraction	NOUN
easat-8176	208	5	sums	sum	NOUN
easat-8176	208	6	of	of	ADP
easat-8176	208	7	squared	square	VERB
easat-8176	208	8	loadings	loading	NOUN
easat-8176	208	9	total	total	ADJ
easat-8176	208	10	%	%	NOUN
easat-8176	208	11	of	of	ADP
easat-8176	208	12	variance	variance	NOUN
easat-8176	208	13	cumulative	cumulative	ADJ
easat-8176	208	14	%	%	NOUN
easat-8176	208	15	total	total	ADJ
easat-8176	208	16	%	%	NOUN
easat-8176	208	17	of	of	ADP
easat-8176	208	18	variance	variance	NOUN
easat-8176	208	19	cumulative	cumulative	ADJ
easat-8176	208	20	%	%	NOUN
easat-8176	208	21	1	1	NUM
easat-8176	208	22	2.501	2.501	NUM
easat-8176	208	23	62.522	62.522	NUM
easat-8176	208	24	62.522	62.522	NUM
easat-8176	208	25	2.501	2.501	NUM
easat-8176	208	26	62.522	62.522	NUM
easat-8176	208	27	62.522	62.522	NUM
easat-8176	208	28	2	2	NUM
easat-8176	208	29	0.598	0.598	NUM
easat-8176	208	30	14.940	14.940	NUM
easat-8176	208	31	77.462	77.462	NUM
easat-8176	208	32	3	3	NUM
easat-8176	208	33	0.487	0.487	NUM
easat-8176	208	34	12.169	12.169	NUM
easat-8176	208	35	89.631	89.631	NUM
easat-8176	208	36	4	4	NUM
easat-8176	208	37	0.415	0.415	NUM
easat-8176	208	38	10.369	10.369	NUM
easat-8176	208	39	100.000	100.000	NUM
easat-8176	208	40	the	the	DET
easat-8176	208	41	principal	principal	ADJ
easat-8176	208	42	component	component	NOUN
easat-8176	208	43	analysis	analysis	NOUN
easat-8176	208	44	program	program	NOUN
easat-8176	208	45	returned	return	VERB
easat-8176	208	46	a	a	DET
easat-8176	208	47	superordinate	superordinate	ADJ
easat-8176	208	48	latent	latent	NOUN
easat-8176	208	49	factor	factor	NOUN
easat-8176	208	50	with	with	ADP
easat-8176	208	51	an	an	DET
easat-8176	208	52	eigenvalue	eigenvalue	NOUN
easat-8176	208	53	greater	great	ADJ
easat-8176	208	54	than	than	ADP
easat-8176	208	55	1.0	1.0	NUM
easat-8176	208	56	that	that	PRON
easat-8176	208	57	explained	explain	VERB
easat-8176	208	58	62.522	62.522	NUM
easat-8176	208	59	%	%	NOUN
easat-8176	208	60	of	of	ADP
easat-8176	208	61	the	the	DET
easat-8176	208	62	total	total	ADJ
easat-8176	208	63	variance	variance	NOUN
easat-8176	208	64	.	.	PUNCT
easat-8176	209	1	a	a	DET
easat-8176	209	2	single	single	ADJ
easat-8176	209	3	such	such	ADJ
easat-8176	209	4	high	high	ADJ
easat-8176	209	5	proportion	proportion	NOUN
easat-8176	209	6	of	of	ADP
easat-8176	209	7	explained	explain	VERB
easat-8176	209	8	variance	variance	NOUN
easat-8176	209	9	is	be	AUX
easat-8176	209	10	strong	strong	ADJ
easat-8176	209	11	support	support	NOUN
easat-8176	209	12	for	for	ADP
easat-8176	209	13	the	the	DET
easat-8176	209	14	unidimensionality	unidimensionality	NOUN
easat-8176	209	15	of	of	ADP
easat-8176	209	16	the	the	DET
easat-8176	209	17	construct	construct	NOUN
easat-8176	209	18	,	,	PUNCT
easat-8176	209	19	indicating	indicate	VERB
easat-8176	209	20	that	that	SCONJ
easat-8176	209	21	the	the	DET
easat-8176	209	22	dependent	dependent	ADJ
easat-8176	209	23	variable	variable	NOUN
easat-8176	209	24	has	have	VERB
easat-8176	209	25	one	one	NUM
easat-8176	209	26	underlying	underlie	VERB
easat-8176	209	27	theoretical	theoretical	ADJ
easat-8176	209	28	dimension	dimension	NOUN
easat-8176	209	29	that	that	SCONJ
easat-8176	209	30	it	it	PRON
easat-8176	209	31	is	be	AUX
easat-8176	209	32	driven	drive	VERB
easat-8176	209	33	by	by	ADP
easat-8176	209	34	.	.	PUNCT
easat-8176	210	1	1499	1499	NUM
easat-8176	210	2	edelweiss	edelweiss	PROPN
easat-8176	210	3	applied	apply	VERB
easat-8176	210	4	science	science	NOUN
easat-8176	210	5	and	and	CCONJ
easat-8176	210	6	technology	technology	NOUN
easat-8176	210	7	issn	issn	PROPN
easat-8176	210	8	:	:	PUNCT
easat-8176	210	9	2576	2576	NUM
easat-8176	210	10	-	-	SYM
easat-8176	210	11	8484	8484	NUM
easat-8176	210	12	vol	vol	NOUN
easat-8176	210	13	.	.	PROPN
easat-8176	211	1	9	9	NUM
easat-8176	211	2	,	,	PUNCT
easat-8176	211	3	no	no	INTJ
easat-8176	211	4	.	.	NOUN
easat-8176	211	5	6	6	NUM
easat-8176	211	6	:	:	SYM
easat-8176	211	7	1490	1490	NUM
easat-8176	211	8	-	-	SYM
easat-8176	211	9	1502	1502	NUM
easat-8176	211	10	,	,	PUNCT
easat-8176	211	11	2025	2025	NUM
easat-8176	211	12	doi	doi	NOUN
easat-8176	211	13	:	:	PUNCT
easat-8176	211	14	10.55214/25768484.v9i6.8176	10.55214/25768484.v9i6.8176	PROPN
easat-8176	211	15	©	©	PROPN
easat-8176	211	16	2025	2025	NUM
easat-8176	211	17	by	by	ADP
easat-8176	211	18	the	the	DET
easat-8176	211	19	authors	author	NOUN
easat-8176	211	20	;	;	PUNCT
easat-8176	211	21	licensee	licensee	PROPN
easat-8176	211	22	learning	learn	VERB
easat-8176	211	23	gate	gate	NOUN
easat-8176	211	24	table	table	NOUN
easat-8176	211	25	8	8	NUM
easat-8176	211	26	.	.	PUNCT
easat-8176	211	27	correlation	correlation	NOUN
easat-8176	211	28	.	.	PUNCT
easat-8176	212	1	iunfc	iunfc	NOUN
easat-8176	212	2	tru	tru	PROPN
easat-8176	212	3	peu	peu	PROPN
easat-8176	212	4	pu	pu	PROPN
easat-8176	212	5	si	si	PROPN
easat-8176	212	6	tr	tr	PUNCT
easat-8176	212	7	sq	sq	PROPN
easat-8176	212	8	iunfc	iunfc	NOUN
easat-8176	212	9	pearson	pearson	NOUN
easat-8176	212	10	correlation	correlation	NOUN
easat-8176	212	11	1	1	NUM
easat-8176	212	12	sig	sig	NOUN
easat-8176	212	13	.	.	PUNCT
easat-8176	213	1	(	(	PUNCT
easat-8176	213	2	2	2	NUM
easat-8176	213	3	-	-	PUNCT
easat-8176	213	4	tailed	tailed	ADJ
easat-8176	213	5	)	)	PUNCT
easat-8176	214	1	n	n	CCONJ
easat-8176	214	2	385	385	NUM
easat-8176	214	3	tru	tru	PROPN
easat-8176	214	4	pearson	pearson	PROPN
easat-8176	214	5	correlation	correlation	NOUN
easat-8176	214	6	0.510	0.510	NUM
easat-8176	214	7	*	*	PUNCT
easat-8176	214	8	*	*	PROPN
easat-8176	214	9	1	1	NUM
easat-8176	214	10	sig	sig	NOUN
easat-8176	214	11	.	.	PUNCT
easat-8176	215	1	(	(	PUNCT
easat-8176	215	2	2	2	NUM
easat-8176	215	3	-	-	PUNCT
easat-8176	215	4	tailed	tailed	ADJ
easat-8176	215	5	)	)	PUNCT
easat-8176	215	6	0.000	0.000	NUM
easat-8176	215	7	n	n	NUM
easat-8176	215	8	385	385	NUM
easat-8176	215	9	385	385	NUM
easat-8176	215	10	peu	peu	PROPN
easat-8176	215	11	pearson	pearson	PROPN
easat-8176	215	12	correlation	correlation	NOUN
easat-8176	215	13	0.188	0.188	NUM
easat-8176	215	14	*	*	PUNCT
easat-8176	215	15	*	*	PUNCT
easat-8176	215	16	0.032	0.032	NUM
easat-8176	215	17	1	1	NUM
easat-8176	215	18	sig	sig	NOUN
easat-8176	215	19	.	.	PUNCT
easat-8176	216	1	(	(	PUNCT
easat-8176	216	2	2	2	NUM
easat-8176	216	3	-	-	PUNCT
easat-8176	216	4	tailed	tailed	ADJ
easat-8176	216	5	)	)	PUNCT
easat-8176	216	6	0.000	0.000	NUM
easat-8176	216	7	0.528	0.528	NUM
easat-8176	216	8	n	n	NUM
easat-8176	216	9	385	385	NUM
easat-8176	216	10	385	385	NUM
easat-8176	216	11	385	385	NUM
easat-8176	216	12	pu	pu	PROPN
easat-8176	216	13	pearson	pearson	PROPN
easat-8176	216	14	correlation	correlation	NOUN
easat-8176	216	15	0.236	0.236	NUM
easat-8176	216	16	*	*	SYM
easat-8176	216	17	*	*	NOUN
easat-8176	216	18	-0.048	-0.048	NUM
easat-8176	216	19	-0.032	-0.032	ADP
easat-8176	216	20	1	1	NUM
easat-8176	216	21	sig	sig	NOUN
easat-8176	216	22	.	.	PUNCT
easat-8176	217	1	(	(	PUNCT
easat-8176	217	2	2	2	NUM
easat-8176	217	3	-	-	PUNCT
easat-8176	217	4	tailed	tailed	ADJ
easat-8176	217	5	)	)	PUNCT
easat-8176	217	6	0.000	0.000	NUM
easat-8176	217	7	0.351	0.351	NUM
easat-8176	217	8	0.534	0.534	NUM
easat-8176	217	9	n	n	CCONJ
easat-8176	217	10	385	385	NUM
easat-8176	217	11	385	385	NUM
easat-8176	217	12	385	385	NUM
easat-8176	217	13	385	385	NUM
easat-8176	217	14	si	si	PROPN
easat-8176	217	15	pearson	pearson	PROPN
easat-8176	217	16	correlation	correlation	NOUN
easat-8176	217	17	0.396	0.396	NUM
easat-8176	217	18	*	*	PUNCT
easat-8176	217	19	*	*	PUNCT
easat-8176	217	20	-0.077	-0.077	X
easat-8176	217	21	-0.040	-0.040	NUM
easat-8176	217	22	0.048	0.048	NUM
easat-8176	217	23	1	1	NUM
easat-8176	217	24	sig	sig	NOUN
easat-8176	217	25	.	.	PUNCT
easat-8176	218	1	(	(	PUNCT
easat-8176	218	2	2	2	NUM
easat-8176	218	3	-	-	PUNCT
easat-8176	218	4	tailed	tailed	ADJ
easat-8176	218	5	)	)	PUNCT
easat-8176	218	6	0.000	0.000	NUM
easat-8176	218	7	0.129	0.129	NUM
easat-8176	218	8	0.431	0.431	NUM
easat-8176	218	9	0.345	0.345	NUM
easat-8176	218	10	n	n	PROPN
easat-8176	218	11	385	385	NUM
easat-8176	218	12	385	385	NUM
easat-8176	218	13	385	385	NUM
easat-8176	218	14	385	385	NUM
easat-8176	218	15	385	385	NUM
easat-8176	218	16	tr	tr	NOUN
easat-8176	218	17	pearson	pearson	PROPN
easat-8176	218	18	correlation	correlation	NOUN
easat-8176	218	19	0.222	0.222	NUM
easat-8176	218	20	*	*	NOUN
easat-8176	218	21	*	*	NOUN
easat-8176	218	22	0.066	0.066	NUM
easat-8176	218	23	0.007	0.007	NUM
easat-8176	218	24	0.033	0.033	NUM
easat-8176	218	25	-0.174	-0.174	PUNCT
easat-8176	219	1	*	*	PUNCT
easat-8176	219	2	*	*	PUNCT
easat-8176	219	3	1	1	NUM
easat-8176	219	4	sig	sig	NOUN
easat-8176	219	5	.	.	PUNCT
easat-8176	220	1	(	(	PUNCT
easat-8176	220	2	2	2	NUM
easat-8176	220	3	-	-	PUNCT
easat-8176	220	4	tailed	tailed	ADJ
easat-8176	220	5	)	)	PUNCT
easat-8176	220	6	0.000	0.000	NUM
easat-8176	220	7	.195	.195	NUM
easat-8176	220	8	.888	.888	NUM
easat-8176	220	9	.521	.521	NUM
easat-8176	220	10	0.001	0.001	NUM
easat-8176	220	11	n	n	NUM
easat-8176	220	12	385	385	NUM
easat-8176	220	13	385	385	NUM
easat-8176	220	14	385	385	NUM
easat-8176	220	15	385	385	NUM
easat-8176	220	16	385	385	NUM
easat-8176	220	17	385	385	NUM
easat-8176	220	18	sq	sq	PROPN
easat-8176	220	19	pearson	pearson	PROPN
easat-8176	220	20	correlation	correlation	NOUN
easat-8176	220	21	0.281	0.281	NUM
easat-8176	220	22	*	*	PUNCT
easat-8176	220	23	*	*	PUNCT
easat-8176	220	24	-0.011	-0.011	NOUN
easat-8176	220	25	.005	.005	NUM
easat-8176	220	26	.023	.023	NUM
easat-8176	220	27	0.084	0.084	NUM
easat-8176	220	28	0.055	0.055	NUM
easat-8176	220	29	1	1	NUM
easat-8176	220	30	sig	sig	NOUN
easat-8176	220	31	.	.	PUNCT
easat-8176	221	1	(	(	PUNCT
easat-8176	221	2	2	2	NUM
easat-8176	221	3	-	-	PUNCT
easat-8176	221	4	tailed	tailed	ADJ
easat-8176	221	5	)	)	PUNCT
easat-8176	221	6	0.000	0.000	NUM
easat-8176	221	7	0.837	0.837	NUM
easat-8176	221	8	0.920	0.920	NUM
easat-8176	221	9	0.651	0.651	NUM
easat-8176	221	10	0.098	0.098	NUM
easat-8176	221	11	0.284	0.284	NUM
easat-8176	221	12	n	n	CCONJ
easat-8176	221	13	385	385	NUM
easat-8176	221	14	385	385	NUM
easat-8176	221	15	385	385	NUM
easat-8176	221	16	385	385	NUM
easat-8176	221	17	385	385	NUM
easat-8176	221	18	385	385	NUM
easat-8176	221	19	385	385	NUM
easat-8176	221	20	4.4	4.4	NUM
easat-8176	221	21	.	.	PUNCT
easat-8176	222	1	correlation	correlation	NOUN
easat-8176	222	2	analysis	analysis	NOUN
easat-8176	222	3	results	result	VERB
easat-8176	222	4	pearson	pearson	PROPN
easat-8176	222	5	correlation	correlation	NOUN
easat-8176	222	6	test	test	NOUN
easat-8176	222	7	indicated	indicate	VERB
easat-8176	222	8	that	that	SCONJ
easat-8176	222	9	iunfc	iunfc	NOUN
easat-8176	222	10	was	be	AUX
easat-8176	222	11	statistically	statistically	ADV
easat-8176	222	12	significantly	significantly	ADV
easat-8176	222	13	and	and	CCONJ
easat-8176	222	14	positively	positively	ADV
easat-8176	222	15	related	relate	VERB
easat-8176	222	16	to	to	ADP
easat-8176	222	17	all	all	DET
easat-8176	222	18	the	the	DET
easat-8176	222	19	independent	independent	ADJ
easat-8176	222	20	variables	variable	NOUN
easat-8176	222	21	at	at	ADP
easat-8176	222	22	p	p	NOUN
easat-8176	222	23	<	<	X
easat-8176	222	24	0.01	0.01	NUM
easat-8176	222	25	.	.	PUNCT
easat-8176	223	1	the	the	DET
easat-8176	223	2	strongest	strong	ADJ
easat-8176	223	3	correlation	correlation	NOUN
easat-8176	223	4	was	be	AUX
easat-8176	223	5	trust	trust	NOUN
easat-8176	223	6	(	(	PUNCT
easat-8176	223	7	tru	tru	PROPN
easat-8176	223	8	)	)	PUNCT
easat-8176	223	9	(	(	PUNCT
easat-8176	223	10	r	r	NOUN
easat-8176	223	11	=	=	SYM
easat-8176	223	12	0.510	0.510	NUM
easat-8176	223	13	)	)	PUNCT
easat-8176	223	14	,	,	PUNCT
easat-8176	223	15	followed	follow	VERB
easat-8176	223	16	by	by	ADP
easat-8176	223	17	social	social	ADJ
easat-8176	223	18	influence	influence	NOUN
easat-8176	223	19	(	(	PUNCT
easat-8176	223	20	si	si	NOUN
easat-8176	223	21	)	)	PUNCT
easat-8176	223	22	,	,	PUNCT
easat-8176	223	23	service	service	NOUN
easat-8176	223	24	quality	quality	NOUN
easat-8176	223	25	(	(	PUNCT
easat-8176	223	26	sq	sq	ADJ
easat-8176	223	27	)	)	PUNCT
easat-8176	223	28	,	,	PUNCT
easat-8176	223	29	usefulness	usefulness	NOUN
easat-8176	223	30	(	(	PUNCT
easat-8176	223	31	pu	pu	PROPN
easat-8176	223	32	)	)	PUNCT
easat-8176	223	33	,	,	PUNCT
easat-8176	223	34	technology	technology	NOUN
easat-8176	223	35	readiness	readiness	NOUN
easat-8176	223	36	(	(	PUNCT
easat-8176	223	37	tr	tr	VERB
easat-8176	223	38	)	)	PUNCT
easat-8176	223	39	,	,	PUNCT
easat-8176	223	40	and	and	CCONJ
easat-8176	223	41	ease	ease	NOUN
easat-8176	223	42	of	of	ADP
easat-8176	223	43	use	use	NOUN
easat-8176	223	44	(	(	PUNCT
easat-8176	223	45	peu	peu	PROPN
easat-8176	223	46	)	)	PUNCT
easat-8176	223	47	.	.	PUNCT
easat-8176	224	1	the	the	DET
easat-8176	224	2	findings	finding	NOUN
easat-8176	224	3	indicate	indicate	VERB
easat-8176	224	4	that	that	DET
easat-8176	224	5	trust	trust	NOUN
easat-8176	224	6	,	,	PUNCT
easat-8176	224	7	social	social	ADJ
easat-8176	224	8	influence	influence	NOUN
easat-8176	224	9	,	,	PUNCT
easat-8176	224	10	and	and	CCONJ
easat-8176	224	11	service	service	NOUN
easat-8176	224	12	experience	experience	NOUN
easat-8176	224	13	are	be	AUX
easat-8176	224	14	the	the	DET
easat-8176	224	15	main	main	ADJ
easat-8176	224	16	elements	element	NOUN
easat-8176	224	17	to	to	PART
easat-8176	224	18	enhance	enhance	VERB
easat-8176	224	19	nfc	nfc	NOUN
easat-8176	224	20	mobile	mobile	ADJ
easat-8176	224	21	payment	payment	NOUN
easat-8176	224	22	behavior	behavior	NOUN
easat-8176	224	23	adoption	adoption	NOUN
easat-8176	224	24	.	.	PUNCT
easat-8176	225	1	table	table	NOUN
easat-8176	225	2	9	9	NUM
easat-8176	225	3	.	.	PUNCT
easat-8176	225	4	model	model	NOUN
easat-8176	225	5	summary	summary	PROPN
easat-8176	225	6	.	.	PUNCT
easat-8176	226	1	model	model	NOUN
easat-8176	226	2	r	r	NOUN
easat-8176	226	3	r	r	NOUN
easat-8176	226	4	square	square	ADJ
easat-8176	226	5	adjusted	adjust	VERB
easat-8176	226	6	r	r	NOUN
easat-8176	226	7	square	square	ADJ
easat-8176	226	8	std	std	NOUN
easat-8176	226	9	.	.	PUNCT
easat-8176	226	10	error	error	NOUN
easat-8176	226	11	of	of	ADP
easat-8176	226	12	the	the	DET
easat-8176	226	13	estimate	estimate	NOUN
easat-8176	226	14	durbin	durbin	NOUN
easat-8176	226	15	-	-	PUNCT
easat-8176	226	16	watson	watson	NOUN
easat-8176	226	17	1	1	NUM
easat-8176	226	18	0.815a	0.815a	NOUN
easat-8176	226	19	0.665	0.665	NUM
easat-8176	226	20	0.659	0.659	NUM
easat-8176	226	21	0.325	0.325	NUM
easat-8176	226	22	2.241	2.241	NUM
easat-8176	226	23	4.5	4.5	NUM
easat-8176	226	24	.	.	PUNCT
easat-8176	227	1	regression	regression	NOUN
easat-8176	227	2	analysis	analysis	NOUN
easat-8176	227	3	results	result	VERB
easat-8176	227	4	the	the	DET
easat-8176	227	5	multivariate	multivariate	NOUN
easat-8176	227	6	regression	regression	NOUN
easat-8176	227	7	analysis	analysis	NOUN
easat-8176	227	8	confirmed	confirm	VERB
easat-8176	227	9	the	the	DET
easat-8176	227	10	strong	strong	ADJ
easat-8176	227	11	correlation	correlation	NOUN
easat-8176	227	12	of	of	ADP
easat-8176	227	13	the	the	DET
easat-8176	227	14	independent	independent	ADJ
easat-8176	227	15	variables	variable	NOUN
easat-8176	227	16	to	to	PART
easat-8176	227	17	use	use	VERB
easat-8176	227	18	nfc	nfc	NOUN
easat-8176	227	19	mobile	mobile	ADJ
easat-8176	227	20	payments	payment	NOUN
easat-8176	227	21	(	(	PUNCT
easat-8176	227	22	r	r	NOUN
easat-8176	227	23	=	=	SYM
easat-8176	227	24	0.815	0.815	NUM
easat-8176	227	25	;	;	PUNCT
easat-8176	227	26	r²	r²	NOUN
easat-8176	227	27	=	=	NOUN
easat-8176	227	28	0.665	0.665	NUM
easat-8176	227	29	;	;	PUNCT
easat-8176	227	30	adjusted	adjust	VERB
easat-8176	227	31	r²	r²	NOUN
easat-8176	227	32	=	=	SYM
easat-8176	227	33	0.659	0.659	NUM
easat-8176	227	34	)	)	PUNCT
easat-8176	227	35	.	.	PUNCT
easat-8176	228	1	furthermore	furthermore	ADV
easat-8176	228	2	,	,	PUNCT
easat-8176	228	3	the	the	DET
easat-8176	228	4	durbinwatson	durbinwatson	NOUN
easat-8176	228	5	statistic	statistic	NOUN
easat-8176	228	6	stood	stand	VERB
easat-8176	228	7	at	at	ADP
easat-8176	228	8	2.241	2.241	NUM
easat-8176	228	9	,	,	PUNCT
easat-8176	228	10	which	which	PRON
easat-8176	228	11	effectively	effectively	ADV
easat-8176	228	12	excluded	exclude	VERB
easat-8176	228	13	the	the	DET
easat-8176	228	14	threat	threat	NOUN
easat-8176	228	15	of	of	ADP
easat-8176	228	16	autocorrelation	autocorrelation	NOUN
easat-8176	228	17	and	and	CCONJ
easat-8176	228	18	consequently	consequently	ADV
easat-8176	228	19	guaranteed	guarantee	VERB
easat-8176	228	20	the	the	DET
easat-8176	228	21	high	high	ADJ
easat-8176	228	22	reliability	reliability	NOUN
easat-8176	228	23	of	of	ADP
easat-8176	228	24	the	the	DET
easat-8176	228	25	results	result	NOUN
easat-8176	228	26	.	.	PUNCT
easat-8176	229	1	table	table	NOUN
easat-8176	229	2	10	10	NUM
easat-8176	229	3	.	.	PUNCT
easat-8176	230	1	anova	anova	PROPN
easat-8176	230	2	.	.	PUNCT
easat-8176	230	3	model	model	PROPN
easat-8176	230	4	sum	sum	NOUN
easat-8176	230	5	of	of	ADP
easat-8176	230	6	squares	square	NOUN
easat-8176	230	7	df	df	PROPN
easat-8176	230	8	mean	mean	PROPN
easat-8176	230	9	square	square	PROPN
easat-8176	230	10	f	f	PROPN
easat-8176	230	11	sig	sig	PROPN
easat-8176	230	12	.	.	PROPN
easat-8176	230	13	1	1	NUM
easat-8176	230	14	regression	regression	VERB
easat-8176	230	15	78.938	78.938	NUM
easat-8176	230	16	6	6	NUM
easat-8176	230	17	13.156	13.156	NUM
easat-8176	230	18	124.938	124.938	NUM
easat-8176	230	19	0.000b	0.000b	NOUN
easat-8176	230	20	residual	residual	ADJ
easat-8176	230	21	39.805	39.805	NUM
easat-8176	230	22	378	378	NUM
easat-8176	230	23	0.105	0.105	NUM
easat-8176	230	24	total	total	NOUN
easat-8176	230	25	118.743	118.743	NUM
easat-8176	230	26	384	384	NUM
easat-8176	230	27	1500	1500	NUM
easat-8176	230	28	edelweiss	edelweiss	PROPN
easat-8176	230	29	applied	apply	VERB
easat-8176	230	30	science	science	NOUN
easat-8176	230	31	and	and	CCONJ
easat-8176	230	32	technology	technology	NOUN
easat-8176	230	33	issn	issn	PROPN
easat-8176	230	34	:	:	PUNCT
easat-8176	230	35	2576	2576	NUM
easat-8176	230	36	-	-	SYM
easat-8176	230	37	8484	8484	NUM
easat-8176	230	38	vol	vol	NOUN
easat-8176	230	39	.	.	PROPN
easat-8176	231	1	9	9	NUM
easat-8176	231	2	,	,	PUNCT
easat-8176	231	3	no	no	INTJ
easat-8176	231	4	.	.	NOUN
easat-8176	231	5	6	6	NUM
easat-8176	231	6	:	:	SYM
easat-8176	231	7	1490	1490	NUM
easat-8176	231	8	-	-	SYM
easat-8176	231	9	1502	1502	NUM
easat-8176	231	10	,	,	PUNCT
easat-8176	231	11	2025	2025	NUM
easat-8176	231	12	doi	doi	NOUN
easat-8176	231	13	:	:	PUNCT
easat-8176	231	14	10.55214/25768484.v9i6.8176	10.55214/25768484.v9i6.8176	PROPN
easat-8176	231	15	©	©	PROPN
easat-8176	231	16	2025	2025	NUM
easat-8176	231	17	by	by	ADP
easat-8176	231	18	the	the	DET
easat-8176	231	19	authors	author	NOUN
easat-8176	231	20	;	;	PUNCT
easat-8176	231	21	licensee	licensee	PROPN
easat-8176	231	22	learning	learn	VERB
easat-8176	231	23	gate	gate	NOUN
easat-8176	231	24	table	table	NOUN
easat-8176	231	25	11	11	NUM
easat-8176	231	26	.	.	PUNCT
easat-8176	232	1	coefficientsa	coefficientsa	NOUN
easat-8176	232	2	.	.	PUNCT
easat-8176	233	1	model	model	PROPN
easat-8176	233	2	unstandardized	unstandardized	ADJ
easat-8176	233	3	coefficients	coefficient	NOUN
easat-8176	233	4	standardized	standardize	VERB
easat-8176	233	5	coefficients	coefficient	NOUN
easat-8176	233	6	t	t	PROPN
easat-8176	233	7	sig	sig	PROPN
easat-8176	233	8	.	.	PUNCT
easat-8176	234	1	collinearity	collinearity	PROPN
easat-8176	234	2	statistics	statistic	NOUN
easat-8176	234	3	b	b	NOUN
easat-8176	234	4	std	std	PROPN
easat-8176	234	5	.	.	NOUN
easat-8176	234	6	error	error	NOUN
easat-8176	234	7	beta	beta	NOUN
easat-8176	234	8	tolerance	tolerance	NOUN
easat-8176	234	9	vif	vif	NOUN
easat-8176	234	10	1	1	NUM
easat-8176	234	11	(	(	PUNCT
easat-8176	234	12	constant	constant	ADJ
easat-8176	234	13	)	)	PUNCT
easat-8176	234	14	-1.251	-1.251	PUNCT
easat-8176	234	15	0.218	0.218	NUM
easat-8176	234	16	-5.736	-5.736	NUM
easat-8176	234	17	0.000	0.000	NUM
easat-8176	234	18	tru	tru	PROPN
easat-8176	234	19	0.342	0.342	NUM
easat-8176	234	20	0.019	0.019	NUM
easat-8176	234	21	0.537	0.537	NUM
easat-8176	234	22	17.916	17.916	NUM
easat-8176	234	23	0.000	0.000	NUM
easat-8176	234	24	0.988	0.988	NUM
easat-8176	234	25	1.012	1.012	NUM
easat-8176	234	26	peu	peu	NOUN
easat-8176	234	27	0.174	0.174	NUM
easat-8176	234	28	0.027	0.027	NUM
easat-8176	234	29	0.194	0.194	NUM
easat-8176	234	30	6.501	6.501	NUM
easat-8176	234	31	0.000	0.000	NUM
easat-8176	234	32	0.997	0.997	NUM
easat-8176	234	33	1.003	1.003	NUM
easat-8176	234	34	pu	pu	PROPN
easat-8176	234	35	0.179	0.179	NUM
easat-8176	234	36	0.023	0.023	NUM
easat-8176	234	37	0.232	0.232	NUM
easat-8176	234	38	7.775	7.775	NUM
easat-8176	234	39	0.000	0.000	NUM
easat-8176	234	40	0.993	0.993	NUM
easat-8176	234	41	1.007	1.007	NUM
easat-8176	234	42	si	si	NOUN
easat-8176	234	43	0.283	0.283	NUM
easat-8176	234	44	0.019	0.019	NUM
easat-8176	234	45	0.457	0.457	NUM
easat-8176	234	46	14.986	14.986	NUM
easat-8176	234	47	0.000	0.000	NUM
easat-8176	234	48	0.953	0.953	NUM
easat-8176	234	49	1.049	1.049	NUM
easat-8176	234	50	tr	tr	VERB
easat-8176	234	51	0.179	0.179	NUM
easat-8176	234	52	0.022	0.022	NUM
easat-8176	234	53	0.245	0.245	NUM
easat-8176	234	54	8.047	8.047	NUM
easat-8176	234	55	0.000	0.000	NUM
easat-8176	234	56	0.960	0.960	NUM
easat-8176	234	57	1.041	1.041	NUM
easat-8176	234	58	sq	sq	NUM
easat-8176	234	59	0.192	0.192	NUM
easat-8176	234	60	0.025	0.025	NUM
easat-8176	234	61	0.229	0.229	NUM
easat-8176	234	62	7.626	7.626	NUM
easat-8176	234	63	0.000	0.000	NUM
easat-8176	234	64	0.987	0.987	NUM
easat-8176	234	65	1.013	1.013	NUM
easat-8176	234	66	anova	anova	PROPN
easat-8176	234	67	analysis	analysis	NOUN
easat-8176	234	68	indicated	indicate	VERB
easat-8176	234	69	the	the	DET
easat-8176	234	70	regression	regression	NOUN
easat-8176	234	71	model	model	NOUN
easat-8176	234	72	attained	attain	VERB
easat-8176	234	73	significant	significant	ADJ
easat-8176	234	74	statistical	statistical	ADJ
easat-8176	234	75	power	power	NOUN
easat-8176	234	76	(	(	PUNCT
easat-8176	234	77	f	f	NOUN
easat-8176	234	78	=	=	SYM
easat-8176	234	79	124.938	124.938	NUM
easat-8176	234	80	;	;	PUNCT
easat-8176	234	81	p	p	X
easat-8176	234	82	<	<	X
easat-8176	234	83	0.001	0.001	NUM
easat-8176	234	84	)	)	PUNCT
easat-8176	234	85	,	,	PUNCT
easat-8176	234	86	thereby	thereby	ADV
easat-8176	234	87	proving	prove	VERB
easat-8176	234	88	the	the	DET
easat-8176	234	89	high	high	ADJ
easat-8176	234	90	explanatory	explanatory	ADJ
easat-8176	234	91	capability	capability	NOUN
easat-8176	234	92	of	of	ADP
easat-8176	234	93	independent	independent	ADJ
easat-8176	234	94	variables	variable	NOUN
easat-8176	234	95	for	for	ADP
easat-8176	234	96	behavioral	behavioral	ADJ
easat-8176	234	97	intention	intention	NOUN
easat-8176	234	98	.	.	PUNCT
easat-8176	235	1	the	the	DET
easat-8176	235	2	findings	finding	NOUN
easat-8176	235	3	uphold	uphold	VERB
easat-8176	235	4	the	the	DET
easat-8176	235	5	adequacy	adequacy	NOUN
easat-8176	235	6	of	of	ADP
easat-8176	235	7	the	the	DET
easat-8176	235	8	model	model	NOUN
easat-8176	235	9	to	to	PART
easat-8176	235	10	predict	predict	VERB
easat-8176	235	11	nfc	nfc	NOUN
easat-8176	235	12	mobile	mobile	ADJ
easat-8176	235	13	payment	payment	NOUN
easat-8176	235	14	acceptance	acceptance	NOUN
easat-8176	235	15	behavior	behavior	NOUN
easat-8176	235	16	under	under	ADP
easat-8176	235	17	the	the	DET
easat-8176	235	18	condition	condition	NOUN
easat-8176	235	19	of	of	ADP
easat-8176	235	20	digital	digital	ADJ
easat-8176	235	21	urbanization	urbanization	NOUN
easat-8176	235	22	in	in	ADP
easat-8176	235	23	ho	ho	PROPN
easat-8176	235	24	chi	chi	PROPN
easat-8176	235	25	minh	minh	PROPN
easat-8176	235	26	city	city	PROPN
easat-8176	235	27	.	.	PUNCT
easat-8176	236	1	the	the	DET
easat-8176	236	2	findings	finding	NOUN
easat-8176	236	3	showed	show	VERB
easat-8176	236	4	that	that	SCONJ
easat-8176	236	5	the	the	DET
easat-8176	236	6	6	6	NUM
easat-8176	236	7	independent	independent	ADJ
easat-8176	236	8	variables	variable	NOUN
easat-8176	236	9	all	all	PRON
easat-8176	236	10	had	have	VERB
easat-8176	236	11	an	an	DET
easat-8176	236	12	impact	impact	NOUN
easat-8176	236	13	and	and	CCONJ
easat-8176	236	14	were	be	AUX
easat-8176	236	15	statistically	statistically	ADV
easat-8176	236	16	significant	significant	ADJ
easat-8176	236	17	with	with	ADP
easat-8176	236	18	iunfc	iunfc	NOUN
easat-8176	236	19	(	(	PUNCT
easat-8176	236	20	p	p	X
easat-8176	236	21	<	<	X
easat-8176	236	22	0.001	0.001	NUM
easat-8176	236	23	)	)	PUNCT
easat-8176	236	24	.	.	PUNCT
easat-8176	237	1	among	among	ADP
easat-8176	237	2	these	these	DET
easat-8176	237	3	variables	variable	NOUN
easat-8176	237	4	,	,	PUNCT
easat-8176	237	5	trust	trust	NOUN
easat-8176	237	6	was	be	AUX
easat-8176	237	7	the	the	DET
easat-8176	237	8	strongest	strong	ADJ
easat-8176	237	9	predictor	predictor	NOUN
easat-8176	237	10	(	(	PUNCT
easat-8176	237	11	β	β	X
easat-8176	237	12	=	=	SYM
easat-8176	237	13	0.537	0.537	NUM
easat-8176	237	14	)	)	PUNCT
easat-8176	237	15	,	,	PUNCT
easat-8176	237	16	followed	follow	VERB
easat-8176	237	17	by	by	ADP
easat-8176	237	18	social	social	ADJ
easat-8176	237	19	influence	influence	NOUN
easat-8176	237	20	,	,	PUNCT
easat-8176	237	21	technology	technology	NOUN
easat-8176	237	22	readiness	readiness	NOUN
easat-8176	237	23	,	,	PUNCT
easat-8176	237	24	perceived	perceive	VERB
easat-8176	237	25	usefulness	usefulness	NOUN
easat-8176	237	26	,	,	PUNCT
easat-8176	237	27	service	service	NOUN
easat-8176	237	28	quality	quality	NOUN
easat-8176	237	29	,	,	PUNCT
easat-8176	237	30	and	and	CCONJ
easat-8176	237	31	ease	ease	NOUN
easat-8176	237	32	of	of	ADP
easat-8176	237	33	use	use	NOUN
easat-8176	237	34	.	.	PUNCT
easat-8176	238	1	multicollinearity	multicollinearity	NOUN
easat-8176	238	2	diagnostics	diagnostic	NOUN
easat-8176	238	3	also	also	ADV
easat-8176	238	4	affirmed	affirm	VERB
easat-8176	238	5	the	the	DET
easat-8176	238	6	model	model	NOUN
easat-8176	238	7	's	's	PART
easat-8176	238	8	strength	strength	NOUN
easat-8176	238	9	,	,	PUNCT
easat-8176	238	10	with	with	ADP
easat-8176	238	11	vif	vif	NOUN
easat-8176	238	12	values	value	NOUN
easat-8176	238	13	less	less	ADJ
easat-8176	238	14	than	than	ADP
easat-8176	238	15	1.05	1.05	NUM
easat-8176	238	16	and	and	CCONJ
easat-8176	238	17	tolerance	tolerance	NOUN
easat-8176	238	18	levels	level	NOUN
easat-8176	238	19	close	close	ADV
easat-8176	238	20	to	to	ADP
easat-8176	238	21	1.00	1.00	NUM
easat-8176	238	22	,	,	PUNCT
easat-8176	238	23	signifying	signify	VERB
easat-8176	238	24	the	the	DET
easat-8176	238	25	absence	absence	NOUN
easat-8176	238	26	of	of	ADP
easat-8176	238	27	multicollinearity	multicollinearity	NOUN
easat-8176	238	28	issues	issue	NOUN
easat-8176	238	29	and	and	CCONJ
easat-8176	238	30	strengthening	strengthen	VERB
easat-8176	238	31	the	the	DET
easat-8176	238	32	reliability	reliability	NOUN
easat-8176	238	33	of	of	ADP
easat-8176	238	34	the	the	DET
easat-8176	238	35	regression	regression	NOUN
easat-8176	238	36	estimates	estimate	NOUN
easat-8176	238	37	.	.	PUNCT
easat-8176	239	1	4.6	4.6	NUM
easat-8176	239	2	.	.	PUNCT
easat-8176	240	1	discussion	discussion	NOUN
easat-8176	240	2	hypothesis	hypothesis	NOUN
easat-8176	240	3	h1	h1	PROPN
easat-8176	240	4	,	,	PUNCT
easat-8176	240	5	trust	trust	NOUN
easat-8176	240	6	(	(	PUNCT
easat-8176	240	7	tru	tru	PROPN
easat-8176	240	8	):	):	PUNCT
easat-8176	240	9	the	the	DET
easat-8176	240	10	regression	regression	NOUN
easat-8176	240	11	analysis	analysis	NOUN
easat-8176	240	12	indicates	indicate	VERB
easat-8176	240	13	that	that	SCONJ
easat-8176	240	14	tru	tru	PROPN
easat-8176	240	15	shows	show	VERB
easat-8176	240	16	a	a	DET
easat-8176	240	17	significance	significance	NOUN
easat-8176	240	18	level	level	NOUN
easat-8176	240	19	of	of	ADP
easat-8176	240	20	0.000	0.000	NUM
easat-8176	240	21	,	,	PUNCT
easat-8176	240	22	which	which	PRON
easat-8176	240	23	is	be	AUX
easat-8176	240	24	below	below	ADP
easat-8176	240	25	the	the	DET
easat-8176	240	26	0.01	0.01	NUM
easat-8176	240	27	level	level	NOUN
easat-8176	240	28	.	.	PUNCT
easat-8176	241	1	this	this	PRON
easat-8176	241	2	proves	prove	VERB
easat-8176	241	3	to	to	PART
easat-8176	241	4	be	be	AUX
easat-8176	241	5	statistically	statistically	ADV
easat-8176	241	6	significant	significant	ADJ
easat-8176	241	7	positive	positive	ADJ
easat-8176	241	8	at	at	ADP
easat-8176	241	9	the	the	DET
easat-8176	241	10	1	1	NUM
easat-8176	241	11	%	%	NOUN
easat-8176	241	12	level	level	NOUN
easat-8176	241	13	,	,	PUNCT
easat-8176	241	14	which	which	PRON
easat-8176	241	15	corresponds	correspond	VERB
easat-8176	241	16	to	to	ADP
easat-8176	241	17	a	a	DET
easat-8176	241	18	99	99	NUM
easat-8176	241	19	%	%	NOUN
easat-8176	241	20	confidence	confidence	NOUN
easat-8176	241	21	interval	interval	NOUN
easat-8176	241	22	.	.	PUNCT
easat-8176	242	1	this	this	DET
easat-8176	242	2	hypothesis	hypothesis	NOUN
easat-8176	242	3	is	be	AUX
easat-8176	242	4	accepted	accept	VERB
easat-8176	242	5	.	.	PUNCT
easat-8176	243	1	this	this	DET
easat-8176	243	2	result	result	NOUN
easat-8176	243	3	is	be	AUX
easat-8176	243	4	consistent	consistent	ADJ
easat-8176	243	5	with	with	ADP
easat-8176	243	6	linh	linh	NOUN
easat-8176	244	1	[	[	X
easat-8176	244	2	21	21	NUM
easat-8176	244	3	]	]	PUNCT
easat-8176	244	4	who	who	PRON
easat-8176	244	5	emphasized	emphasize	VERB
easat-8176	244	6	that	that	SCONJ
easat-8176	244	7	fostering	foster	VERB
easat-8176	244	8	trust	trust	NOUN
easat-8176	244	9	through	through	ADP
easat-8176	244	10	secure	secure	ADJ
easat-8176	244	11	transaction	transaction	NOUN
easat-8176	244	12	environments	environment	NOUN
easat-8176	244	13	,	,	PUNCT
easat-8176	244	14	transparent	transparent	ADJ
easat-8176	244	15	practices	practice	NOUN
easat-8176	244	16	.	.	PUNCT
easat-8176	245	1	hypothesis	hypothesis	NOUN
easat-8176	245	2	h2	h2	NOUN
easat-8176	245	3	,	,	PUNCT
easat-8176	245	4	perceived	perceive	VERB
easat-8176	245	5	ease	ease	NOUN
easat-8176	245	6	of	of	ADP
easat-8176	245	7	use	use	NOUN
easat-8176	245	8	(	(	PUNCT
easat-8176	245	9	peu	peu	PROPN
easat-8176	245	10	):	):	PUNCT
easat-8176	245	11	the	the	DET
easat-8176	245	12	regression	regression	NOUN
easat-8176	245	13	analysis	analysis	NOUN
easat-8176	245	14	shows	show	VERB
easat-8176	245	15	that	that	SCONJ
easat-8176	245	16	peu	peu	PROPN
easat-8176	245	17	shows	show	VERB
easat-8176	245	18	a	a	DET
easat-8176	245	19	significance	significance	NOUN
easat-8176	245	20	level	level	NOUN
easat-8176	245	21	of	of	ADP
easat-8176	245	22	0.000	0.000	NUM
easat-8176	245	23	,	,	PUNCT
easat-8176	245	24	which	which	PRON
easat-8176	245	25	is	be	AUX
easat-8176	245	26	below	below	ADP
easat-8176	245	27	the	the	DET
easat-8176	245	28	0.01	0.01	NUM
easat-8176	245	29	level	level	NOUN
easat-8176	245	30	.	.	PUNCT
easat-8176	246	1	this	this	PRON
easat-8176	246	2	proves	prove	VERB
easat-8176	246	3	to	to	PART
easat-8176	246	4	be	be	AUX
easat-8176	246	5	statistically	statistically	ADV
easat-8176	246	6	significant	significant	ADJ
easat-8176	246	7	positive	positive	ADJ
easat-8176	246	8	at	at	ADP
easat-8176	246	9	the	the	DET
easat-8176	246	10	1	1	NUM
easat-8176	246	11	%	%	NOUN
easat-8176	246	12	level	level	NOUN
easat-8176	246	13	,	,	PUNCT
easat-8176	246	14	which	which	PRON
easat-8176	246	15	corresponds	correspond	VERB
easat-8176	246	16	to	to	ADP
easat-8176	246	17	a	a	DET
easat-8176	246	18	99	99	NUM
easat-8176	246	19	%	%	NOUN
easat-8176	246	20	confidence	confidence	NOUN
easat-8176	246	21	interval	interval	NOUN
easat-8176	246	22	.	.	PUNCT
easat-8176	247	1	this	this	DET
easat-8176	247	2	hypothesis	hypothesis	NOUN
easat-8176	247	3	is	be	AUX
easat-8176	247	4	accepted	accept	VERB
easat-8176	247	5	.	.	PUNCT
easat-8176	248	1	this	this	DET
easat-8176	248	2	result	result	NOUN
easat-8176	248	3	is	be	AUX
easat-8176	248	4	consistent	consistent	ADJ
easat-8176	248	5	with	with	ADP
easat-8176	248	6	agárdi	agárdi	PROPN
easat-8176	248	7	and	and	CCONJ
easat-8176	248	8	alt	alt	VERB
easat-8176	248	9	[	[	X
easat-8176	248	10	22	22	NUM
easat-8176	248	11	]	]	PUNCT
easat-8176	248	12	who	who	PRON
easat-8176	248	13	found	find	VERB
easat-8176	248	14	that	that	SCONJ
easat-8176	248	15	intuitive	intuitive	ADJ
easat-8176	248	16	design	design	NOUN
easat-8176	248	17	and	and	CCONJ
easat-8176	248	18	minimal	minimal	ADJ
easat-8176	248	19	user	user	NOUN
easat-8176	248	20	effort	effort	NOUN
easat-8176	248	21	improve	improve	VERB
easat-8176	248	22	adoption	adoption	NOUN
easat-8176	248	23	.	.	PUNCT
easat-8176	249	1	similarly	similarly	ADV
easat-8176	249	2	,	,	PUNCT
easat-8176	249	3	nur	nur	VERB
easat-8176	249	4	and	and	CCONJ
easat-8176	249	5	panggabean	panggabean	ADJ
easat-8176	249	6	[	[	X
easat-8176	249	7	23	23	NUM
easat-8176	249	8	]	]	PUNCT
easat-8176	249	9	demonstrated	demonstrate	VERB
easat-8176	249	10	that	that	SCONJ
easat-8176	249	11	user	user	NOUN
easat-8176	249	12	-	-	PUNCT
easat-8176	249	13	friendly	friendly	ADJ
easat-8176	249	14	systems	system	NOUN
easat-8176	249	15	are	be	AUX
easat-8176	249	16	especially	especially	ADV
easat-8176	249	17	impactful	impactful	ADJ
easat-8176	249	18	in	in	ADP
easat-8176	249	19	urban	urban	ADJ
easat-8176	249	20	environments	environment	NOUN
easat-8176	249	21	where	where	SCONJ
easat-8176	249	22	digital	digital	ADJ
easat-8176	249	23	tools	tool	NOUN
easat-8176	249	24	are	be	AUX
easat-8176	249	25	increasingly	increasingly	ADV
easat-8176	249	26	prevalent	prevalent	ADJ
easat-8176	249	27	.	.	PUNCT
easat-8176	250	1	hypothesis	hypothesis	NOUN
easat-8176	250	2	h3	h3	NOUN
easat-8176	250	3	,	,	PUNCT
easat-8176	250	4	perceived	perceive	VERB
easat-8176	250	5	usefulness	usefulness	NOUN
easat-8176	250	6	(	(	PUNCT
easat-8176	250	7	pu	pu	PROPN
easat-8176	250	8	):	):	PUNCT
easat-8176	250	9	the	the	DET
easat-8176	250	10	regression	regression	NOUN
easat-8176	250	11	analysis	analysis	NOUN
easat-8176	250	12	shows	show	VERB
easat-8176	250	13	that	that	SCONJ
easat-8176	250	14	pu	pu	PROPN
easat-8176	250	15	shows	show	VERB
easat-8176	250	16	a	a	DET
easat-8176	250	17	significance	significance	NOUN
easat-8176	250	18	level	level	NOUN
easat-8176	250	19	of	of	ADP
easat-8176	250	20	0.000	0.000	NUM
easat-8176	250	21	,	,	PUNCT
easat-8176	250	22	which	which	PRON
easat-8176	250	23	is	be	AUX
easat-8176	250	24	below	below	ADP
easat-8176	250	25	the	the	DET
easat-8176	250	26	0.01	0.01	NUM
easat-8176	250	27	level	level	NOUN
easat-8176	250	28	.	.	PUNCT
easat-8176	251	1	this	this	PRON
easat-8176	251	2	proves	prove	VERB
easat-8176	251	3	to	to	PART
easat-8176	251	4	be	be	AUX
easat-8176	251	5	statistically	statistically	ADV
easat-8176	251	6	significant	significant	ADJ
easat-8176	251	7	positive	positive	ADJ
easat-8176	251	8	at	at	ADP
easat-8176	251	9	the	the	DET
easat-8176	251	10	1	1	NUM
easat-8176	251	11	%	%	NOUN
easat-8176	251	12	level	level	NOUN
easat-8176	251	13	,	,	PUNCT
easat-8176	251	14	which	which	PRON
easat-8176	251	15	corresponds	correspond	VERB
easat-8176	251	16	to	to	ADP
easat-8176	251	17	a	a	DET
easat-8176	251	18	99	99	NUM
easat-8176	251	19	%	%	NOUN
easat-8176	251	20	confidence	confidence	NOUN
easat-8176	251	21	interval	interval	NOUN
easat-8176	251	22	.	.	PUNCT
easat-8176	252	1	this	this	DET
easat-8176	252	2	hypothesis	hypothesis	NOUN
easat-8176	252	3	is	be	AUX
easat-8176	252	4	accepted	accept	VERB
easat-8176	252	5	.	.	PUNCT
easat-8176	253	1	this	this	DET
easat-8176	253	2	result	result	NOUN
easat-8176	253	3	is	be	AUX
easat-8176	253	4	consistent	consistent	ADJ
easat-8176	253	5	withthe	withthe	ADJ
easat-8176	253	6	research	research	NOUN
easat-8176	253	7	by	by	ADP
easat-8176	253	8	zhong	zhong	PROPN
easat-8176	253	9	and	and	CCONJ
easat-8176	253	10	moon	moon	PROPN
easat-8176	254	1	[	[	X
easat-8176	254	2	24	24	NUM
easat-8176	254	3	]	]	PUNCT
easat-8176	254	4	who	who	PRON
easat-8176	254	5	highlighted	highlight	VERB
easat-8176	254	6	the	the	DET
easat-8176	254	7	aspects	aspect	NOUN
easat-8176	254	8	of	of	ADP
easat-8176	254	9	speed	speed	NOUN
easat-8176	254	10	,	,	PUNCT
easat-8176	254	11	convenience	convenience	NOUN
easat-8176	254	12	,	,	PUNCT
easat-8176	254	13	and	and	CCONJ
easat-8176	254	14	increased	increase	VERB
easat-8176	254	15	control	control	NOUN
easat-8176	254	16	in	in	ADP
easat-8176	254	17	the	the	DET
easat-8176	254	18	design	design	NOUN
easat-8176	254	19	of	of	ADP
easat-8176	254	20	perceived	perceive	VERB
easat-8176	254	21	usefulness	usefulness	NOUN
easat-8176	254	22	.	.	PUNCT
easat-8176	255	1	further	far	ADV
easat-8176	255	2	,	,	PUNCT
easat-8176	255	3	agárdi	agárdi	VERB
easat-8176	255	4	and	and	CCONJ
easat-8176	255	5	alt	alt	VERB
easat-8176	255	6	[	[	X
easat-8176	255	7	22	22	NUM
easat-8176	255	8	]	]	PUNCT
easat-8176	255	9	highlighted	highlight	VERB
easat-8176	255	10	that	that	SCONJ
easat-8176	255	11	perceived	perceive	VERB
easat-8176	255	12	usefulness	usefulness	NOUN
easat-8176	255	13	facilitates	facilitate	VERB
easat-8176	255	14	adoption	adoption	NOUN
easat-8176	255	15	by	by	ADP
easat-8176	255	16	enhancing	enhance	VERB
easat-8176	255	17	transaction	transaction	NOUN
easat-8176	255	18	efficiency	efficiency	NOUN
easat-8176	255	19	.	.	PUNCT
easat-8176	256	1	hypothesis	hypothesis	NOUN
easat-8176	256	2	h4	h4	PROPN
easat-8176	256	3	,	,	PUNCT
easat-8176	256	4	social	social	ADJ
easat-8176	256	5	influence	influence	NOUN
easat-8176	256	6	(	(	PUNCT
easat-8176	256	7	si	si	X
easat-8176	256	8	):	):	PUNCT
easat-8176	256	9	the	the	DET
easat-8176	256	10	regression	regression	NOUN
easat-8176	256	11	analysis	analysis	NOUN
easat-8176	256	12	shows	show	VERB
easat-8176	256	13	that	that	SCONJ
easat-8176	256	14	si	si	PROPN
easat-8176	256	15	shows	show	VERB
easat-8176	256	16	a	a	DET
easat-8176	256	17	significance	significance	NOUN
easat-8176	256	18	level	level	NOUN
easat-8176	256	19	of	of	ADP
easat-8176	256	20	0.000	0.000	NUM
easat-8176	256	21	,	,	PUNCT
easat-8176	256	22	which	which	PRON
easat-8176	256	23	is	be	AUX
easat-8176	256	24	below	below	ADP
easat-8176	256	25	the	the	DET
easat-8176	256	26	0.01	0.01	NUM
easat-8176	256	27	level	level	NOUN
easat-8176	256	28	.	.	PUNCT
easat-8176	257	1	this	this	PRON
easat-8176	257	2	proves	prove	VERB
easat-8176	257	3	to	to	PART
easat-8176	257	4	be	be	AUX
easat-8176	257	5	statistically	statistically	ADV
easat-8176	257	6	significant	significant	ADJ
easat-8176	257	7	positive	positive	ADJ
easat-8176	257	8	at	at	ADP
easat-8176	257	9	the	the	DET
easat-8176	257	10	1	1	NUM
easat-8176	257	11	%	%	NOUN
easat-8176	257	12	level	level	NOUN
easat-8176	257	13	,	,	PUNCT
easat-8176	257	14	which	which	PRON
easat-8176	257	15	corresponds	correspond	VERB
easat-8176	257	16	to	to	ADP
easat-8176	257	17	a	a	DET
easat-8176	257	18	99	99	NUM
easat-8176	257	19	%	%	NOUN
easat-8176	257	20	confidence	confidence	NOUN
easat-8176	257	21	interval	interval	NOUN
easat-8176	257	22	.	.	PUNCT
easat-8176	258	1	this	this	DET
easat-8176	258	2	hypothesis	hypothesis	NOUN
easat-8176	258	3	is	be	AUX
easat-8176	258	4	accepted	accept	VERB
easat-8176	258	5	.	.	PUNCT
easat-8176	259	1	this	this	DET
easat-8176	259	2	result	result	NOUN
easat-8176	259	3	is	be	AUX
easat-8176	259	4	consistent	consistent	ADJ
easat-8176	259	5	with	with	ADP
easat-8176	259	6	the	the	DET
easat-8176	259	7	research	research	NOUN
easat-8176	259	8	by	by	ADP
easat-8176	259	9	venkatesh	venkatesh	PROPN
easat-8176	259	10	,	,	PUNCT
easat-8176	259	11	et	et	PROPN
easat-8176	259	12	al	al	PROPN
easat-8176	259	13	.	.	PUNCT
easat-8176	260	1	[	[	X
easat-8176	260	2	17	17	NUM
easat-8176	260	3	]	]	PUNCT
easat-8176	260	4	which	which	PRON
easat-8176	260	5	stipulated	stipulate	VERB
easat-8176	260	6	that	that	SCONJ
easat-8176	260	7	peer	peer	NOUN
easat-8176	260	8	influence	influence	NOUN
easat-8176	260	9	,	,	PUNCT
easat-8176	260	10	social	social	ADJ
easat-8176	260	11	media	medium	NOUN
easat-8176	260	12	,	,	PUNCT
easat-8176	260	13	and	and	CCONJ
easat-8176	260	14	how	how	SCONJ
easat-8176	260	15	things	thing	NOUN
easat-8176	260	16	are	be	AUX
easat-8176	260	17	perceived	perceive	VERB
easat-8176	260	18	by	by	ADP
easat-8176	260	19	society	society	NOUN
easat-8176	260	20	are	be	AUX
easat-8176	260	21	very	very	ADV
easat-8176	260	22	important	important	ADJ
easat-8176	260	23	in	in	ADP
easat-8176	260	24	vietnam	vietnam	PROPN
easat-8176	260	25	.	.	PUNCT
easat-8176	260	26	hypothesis	hypothesis	NOUN
easat-8176	260	27	h5	h5	PROPN
easat-8176	260	28	,	,	PUNCT
easat-8176	260	29	technology	technology	NOUN
easat-8176	260	30	readiness	readiness	NOUN
easat-8176	260	31	(	(	PUNCT
easat-8176	260	32	tr	tr	VERB
easat-8176	260	33	):	):	PUNCT
easat-8176	260	34	the	the	DET
easat-8176	260	35	regression	regression	NOUN
easat-8176	260	36	analysis	analysis	NOUN
easat-8176	260	37	shows	show	VERB
easat-8176	260	38	that	that	SCONJ
easat-8176	260	39	tr	tr	VERB
easat-8176	260	40	shows	show	VERB
easat-8176	260	41	a	a	DET
easat-8176	260	42	significance	significance	NOUN
easat-8176	260	43	level	level	NOUN
easat-8176	260	44	of	of	ADP
easat-8176	260	45	0.000	0.000	NUM
easat-8176	260	46	,	,	PUNCT
easat-8176	260	47	which	which	PRON
easat-8176	260	48	is	be	AUX
easat-8176	260	49	below	below	ADP
easat-8176	260	50	the	the	DET
easat-8176	260	51	0.01	0.01	NUM
easat-8176	260	52	level	level	NOUN
easat-8176	260	53	.	.	PUNCT
easat-8176	261	1	this	this	PRON
easat-8176	261	2	proves	prove	VERB
easat-8176	261	3	to	to	PART
easat-8176	261	4	be	be	AUX
easat-8176	261	5	statistically	statistically	ADV
easat-8176	261	6	significant	significant	ADJ
easat-8176	261	7	1501	1501	NUM
easat-8176	261	8	edelweiss	edelweiss	PROPN
easat-8176	261	9	applied	apply	VERB
easat-8176	261	10	science	science	NOUN
easat-8176	261	11	and	and	CCONJ
easat-8176	261	12	technology	technology	NOUN
easat-8176	261	13	issn	issn	PROPN
easat-8176	261	14	:	:	PUNCT
easat-8176	261	15	2576	2576	NUM
easat-8176	261	16	-	-	SYM
easat-8176	261	17	8484	8484	NUM
easat-8176	261	18	vol	vol	NOUN
easat-8176	261	19	.	.	PROPN
easat-8176	262	1	9	9	NUM
easat-8176	262	2	,	,	PUNCT
easat-8176	262	3	no	no	INTJ
easat-8176	262	4	.	.	NOUN
easat-8176	262	5	6	6	NUM
easat-8176	262	6	:	:	SYM
easat-8176	262	7	1490	1490	NUM
easat-8176	262	8	-	-	SYM
easat-8176	262	9	1502	1502	NUM
easat-8176	262	10	,	,	PUNCT
easat-8176	262	11	2025	2025	NUM
easat-8176	262	12	doi	doi	NOUN
easat-8176	262	13	:	:	PUNCT
easat-8176	262	14	10.55214/25768484.v9i6.8176	10.55214/25768484.v9i6.8176	PROPN
easat-8176	262	15	©	©	PROPN
easat-8176	262	16	2025	2025	NUM
easat-8176	262	17	by	by	ADP
easat-8176	262	18	the	the	DET
easat-8176	262	19	authors	author	NOUN
easat-8176	262	20	;	;	PUNCT
easat-8176	262	21	licensee	licensee	PROPN
easat-8176	262	22	learning	learning	NOUN
easat-8176	262	23	gate	gate	NOUN
easat-8176	262	24	positive	positive	ADJ
easat-8176	262	25	at	at	ADP
easat-8176	262	26	the	the	DET
easat-8176	262	27	1	1	NUM
easat-8176	262	28	%	%	NOUN
easat-8176	262	29	level	level	NOUN
easat-8176	262	30	,	,	PUNCT
easat-8176	262	31	which	which	PRON
easat-8176	262	32	corresponds	correspond	VERB
easat-8176	262	33	to	to	ADP
easat-8176	262	34	a	a	DET
easat-8176	262	35	99	99	NUM
easat-8176	262	36	%	%	NOUN
easat-8176	262	37	confidence	confidence	NOUN
easat-8176	262	38	interval	interval	NOUN
easat-8176	262	39	.	.	PUNCT
easat-8176	263	1	this	this	DET
easat-8176	263	2	hypothesis	hypothesis	NOUN
easat-8176	263	3	is	be	AUX
easat-8176	263	4	accepted	accept	VERB
easat-8176	263	5	this	this	DET
easat-8176	263	6	result	result	NOUN
easat-8176	263	7	coincides	coincide	VERB
easat-8176	263	8	with	with	ADP
easat-8176	263	9	the	the	DET
easat-8176	263	10	study	study	NOUN
easat-8176	263	11	by	by	ADP
easat-8176	263	12	gao	gao	PROPN
easat-8176	263	13	and	and	CCONJ
easat-8176	263	14	liu	liu	PROPN
easat-8176	264	1	[	[	X
easat-8176	264	2	18	18	NUM
easat-8176	264	3	]	]	PUNCT
easat-8176	264	4	.	.	PUNCT
easat-8176	265	1	hypothesis	hypothesis	NOUN
easat-8176	265	2	h6	h6	PROPN
easat-8176	265	3	,	,	PUNCT
easat-8176	265	4	service	service	NOUN
easat-8176	265	5	quality	quality	NOUN
easat-8176	265	6	(	(	PUNCT
easat-8176	265	7	sq	sq	ADJ
easat-8176	265	8	):	):	PUNCT
easat-8176	265	9	the	the	DET
easat-8176	265	10	regression	regression	NOUN
easat-8176	265	11	analysis	analysis	NOUN
easat-8176	265	12	shows	show	VERB
easat-8176	265	13	that	that	SCONJ
easat-8176	265	14	sq	sq	PROPN
easat-8176	265	15	shows	show	VERB
easat-8176	265	16	a	a	DET
easat-8176	265	17	significance	significance	NOUN
easat-8176	265	18	level	level	NOUN
easat-8176	265	19	of	of	ADP
easat-8176	265	20	0.000	0.000	NUM
easat-8176	265	21	,	,	PUNCT
easat-8176	265	22	which	which	PRON
easat-8176	265	23	is	be	AUX
easat-8176	265	24	below	below	ADP
easat-8176	265	25	the	the	DET
easat-8176	265	26	0.01	0.01	NUM
easat-8176	265	27	level	level	NOUN
easat-8176	265	28	.	.	PUNCT
easat-8176	266	1	this	this	PRON
easat-8176	266	2	proves	prove	VERB
easat-8176	266	3	to	to	PART
easat-8176	266	4	be	be	AUX
easat-8176	266	5	statistically	statistically	ADV
easat-8176	266	6	significant	significant	ADJ
easat-8176	266	7	positive	positive	ADJ
easat-8176	266	8	at	at	ADP
easat-8176	266	9	the	the	DET
easat-8176	266	10	1	1	NUM
easat-8176	266	11	%	%	NOUN
easat-8176	266	12	level	level	NOUN
easat-8176	266	13	,	,	PUNCT
easat-8176	266	14	which	which	PRON
easat-8176	266	15	corresponds	correspond	VERB
easat-8176	266	16	to	to	ADP
easat-8176	266	17	a	a	DET
easat-8176	266	18	99	99	NUM
easat-8176	266	19	%	%	NOUN
easat-8176	266	20	confidence	confidence	NOUN
easat-8176	266	21	interval	interval	NOUN
easat-8176	266	22	.	.	PUNCT
easat-8176	267	1	this	this	DET
easat-8176	267	2	hypothesis	hypothesis	NOUN
easat-8176	267	3	is	be	AUX
easat-8176	267	4	accepted	accept	VERB
easat-8176	267	5	.	.	PUNCT
easat-8176	268	1	these	these	DET
easat-8176	268	2	findings	finding	NOUN
easat-8176	268	3	agree	agree	VERB
easat-8176	268	4	with	with	ADP
easat-8176	268	5	baabdullah	baabdullah	PROPN
easat-8176	268	6	,	,	PUNCT
easat-8176	268	7	et	et	PROPN
easat-8176	268	8	al	al	PROPN
easat-8176	268	9	.	.	PUNCT
easat-8176	269	1	[	[	X
easat-8176	269	2	27	27	NUM
easat-8176	269	3	]	]	PUNCT
easat-8176	269	4	describing	describe	VERB
easat-8176	269	5	how	how	SCONJ
easat-8176	269	6	there	there	PRON
easat-8176	269	7	should	should	AUX
easat-8176	269	8	be	be	AUX
easat-8176	269	9	system	system	NOUN
easat-8176	269	10	security	security	NOUN
easat-8176	269	11	,	,	PUNCT
easat-8176	269	12	reliability	reliability	NOUN
easat-8176	269	13	,	,	PUNCT
easat-8176	269	14	and	and	CCONJ
easat-8176	269	15	responsiveness	responsiveness	NOUN
easat-8176	269	16	when	when	SCONJ
easat-8176	269	17	utilizing	utilize	VERB
easat-8176	269	18	technology	technology	NOUN
easat-8176	269	19	.	.	PUNCT
easat-8176	270	1	likewise	likewise	ADV
easat-8176	270	2	,	,	PUNCT
easat-8176	270	3	laukkanen	laukkanen	PROPN
easat-8176	271	1	[	[	X
easat-8176	271	2	3	3	NUM
easat-8176	271	3	]	]	PUNCT
easat-8176	271	4	and	and	CCONJ
easat-8176	271	5	hijazi	hijazi	PROPN
easat-8176	271	6	,	,	PUNCT
easat-8176	271	7	et	et	PROPN
easat-8176	271	8	al	al	PROPN
easat-8176	271	9	.	.	PUNCT
easat-8176	272	1	[	[	X
easat-8176	272	2	8	8	NUM
easat-8176	272	3	]	]	PUNCT
easat-8176	272	4	also	also	ADV
easat-8176	272	5	found	find	VERB
easat-8176	272	6	that	that	SCONJ
easat-8176	272	7	a	a	DET
easat-8176	272	8	secure	secure	ADJ
easat-8176	272	9	framework	framework	NOUN
easat-8176	272	10	and	and	CCONJ
easat-8176	272	11	quality	quality	NOUN
easat-8176	272	12	assistance	assistance	NOUN
easat-8176	272	13	promote	promote	VERB
easat-8176	272	14	long	long	ADJ
easat-8176	272	15	-	-	PUNCT
easat-8176	272	16	term	term	NOUN
easat-8176	272	17	customer	customer	NOUN
easat-8176	272	18	trust	trust	NOUN
easat-8176	272	19	.	.	PUNCT
easat-8176	273	1	5	5	X
easat-8176	273	2	.	.	X
easat-8176	273	3	conclusion	conclusion	NOUN
easat-8176	273	4	the	the	DET
easat-8176	273	5	findings	finding	NOUN
easat-8176	273	6	indicate	indicate	VERB
easat-8176	273	7	that	that	SCONJ
easat-8176	273	8	all	all	DET
easat-8176	273	9	six	six	NUM
easat-8176	273	10	discovered	discover	VERB
easat-8176	273	11	factors	factor	NOUN
easat-8176	273	12	including	include	VERB
easat-8176	273	13	trust	trust	NOUN
easat-8176	273	14	,	,	PUNCT
easat-8176	273	15	perceived	perceive	VERB
easat-8176	273	16	ease	ease	NOUN
easat-8176	273	17	of	of	ADP
easat-8176	273	18	use	use	NOUN
easat-8176	273	19	,	,	PUNCT
easat-8176	273	20	perceived	perceive	VERB
easat-8176	273	21	usefulness	usefulness	NOUN
easat-8176	273	22	,	,	PUNCT
easat-8176	273	23	social	social	ADJ
easat-8176	273	24	influence	influence	NOUN
easat-8176	273	25	,	,	PUNCT
easat-8176	273	26	technology	technology	NOUN
easat-8176	273	27	readiness	readiness	NOUN
easat-8176	273	28	,	,	PUNCT
easat-8176	273	29	and	and	CCONJ
easat-8176	273	30	service	service	NOUN
easat-8176	273	31	quality	quality	NOUN
easat-8176	273	32	have	have	VERB
easat-8176	273	33	positive	positive	ADJ
easat-8176	273	34	and	and	CCONJ
easat-8176	273	35	significant	significant	ADJ
easat-8176	273	36	effects	effect	NOUN
easat-8176	273	37	on	on	ADP
easat-8176	273	38	nfc	nfc	NOUN
easat-8176	273	39	payment	payment	NOUN
easat-8176	273	40	intention	intention	NOUN
easat-8176	273	41	.	.	PUNCT
easat-8176	274	1	surprisingly	surprisingly	ADV
easat-8176	274	2	,	,	PUNCT
easat-8176	274	3	trust	trust	NOUN
easat-8176	274	4	and	and	CCONJ
easat-8176	274	5	social	social	ADJ
easat-8176	274	6	influence	influence	NOUN
easat-8176	274	7	are	be	AUX
easat-8176	274	8	the	the	DET
easat-8176	274	9	most	most	ADV
easat-8176	274	10	influential	influential	ADJ
easat-8176	274	11	factors	factor	NOUN
easat-8176	274	12	,	,	PUNCT
easat-8176	274	13	reflecting	reflect	VERB
easat-8176	274	14	the	the	DET
easat-8176	274	15	key	key	ADJ
easat-8176	274	16	role	role	NOUN
easat-8176	274	17	that	that	PRON
easat-8176	274	18	trust	trust	NOUN
easat-8176	274	19	and	and	CCONJ
easat-8176	274	20	social	social	ADJ
easat-8176	274	21	influence	influence	NOUN
easat-8176	274	22	play	play	VERB
easat-8176	274	23	in	in	ADP
easat-8176	274	24	shaping	shape	VERB
easat-8176	274	25	technology	technology	NOUN
easat-8176	274	26	adoption	adoption	NOUN
easat-8176	274	27	behaviors	behavior	NOUN
easat-8176	274	28	in	in	ADP
easat-8176	274	29	an	an	DET
easat-8176	274	30	urban	urban	ADJ
easat-8176	274	31	environment	environment	NOUN
easat-8176	274	32	such	such	ADJ
easat-8176	274	33	as	as	ADP
easat-8176	274	34	ho	ho	PROPN
easat-8176	274	35	chi	chi	PROPN
easat-8176	274	36	minh	minh	PROPN
easat-8176	274	37	city	city	NOUN
easat-8176	274	38	.	.	PUNCT
easat-8176	275	1	6	6	X
easat-8176	275	2	.	.	X
easat-8176	275	3	recommendations	recommendation	NOUN
easat-8176	275	4	the	the	DET
easat-8176	275	5	research	research	NOUN
easat-8176	275	6	results	result	NOUN
easat-8176	275	7	show	show	VERB
easat-8176	275	8	that	that	SCONJ
easat-8176	275	9	six	six	NUM
easat-8176	275	10	factors	factor	NOUN
easat-8176	275	11	including	include	VERB
easat-8176	275	12	trust	trust	NOUN
easat-8176	275	13	,	,	PUNCT
easat-8176	275	14	ease	ease	NOUN
easat-8176	275	15	of	of	ADP
easat-8176	275	16	use	use	NOUN
easat-8176	275	17	,	,	PUNCT
easat-8176	275	18	perceived	perceive	VERB
easat-8176	275	19	usefulness	usefulness	NOUN
easat-8176	275	20	,	,	PUNCT
easat-8176	275	21	social	social	ADJ
easat-8176	275	22	influence	influence	NOUN
easat-8176	275	23	,	,	PUNCT
easat-8176	275	24	technological	technological	ADJ
easat-8176	275	25	readiness	readiness	NOUN
easat-8176	275	26	and	and	CCONJ
easat-8176	275	27	service	service	NOUN
easat-8176	275	28	quality	quality	NOUN
easat-8176	275	29	all	all	PRON
easat-8176	275	30	have	have	VERB
easat-8176	275	31	positive	positive	ADJ
easat-8176	275	32	and	and	CCONJ
easat-8176	275	33	significant	significant	ADJ
easat-8176	275	34	impacts	impact	NOUN
easat-8176	275	35	on	on	ADP
easat-8176	275	36	the	the	DET
easat-8176	275	37	intention	intention	NOUN
easat-8176	275	38	to	to	PART
easat-8176	275	39	use	use	VERB
easat-8176	275	40	nfc	nfc	NOUN
easat-8176	275	41	payments	payment	NOUN
easat-8176	275	42	.	.	PUNCT
easat-8176	276	1	therefore	therefore	ADV
easat-8176	276	2	,	,	PUNCT
easat-8176	276	3	to	to	PART
easat-8176	276	4	promote	promote	VERB
easat-8176	276	5	individual	individual	ADJ
easat-8176	276	6	users	user	NOUN
easat-8176	276	7	in	in	ADP
easat-8176	276	8	ho	ho	PROPN
easat-8176	276	9	chi	chi	PROPN
easat-8176	276	10	minh	minh	PROPN
easat-8176	276	11	city	city	NOUN
easat-8176	276	12	to	to	PART
easat-8176	276	13	accept	accept	VERB
easat-8176	276	14	this	this	DET
easat-8176	276	15	form	form	NOUN
easat-8176	276	16	of	of	ADP
easat-8176	276	17	payment	payment	NOUN
easat-8176	276	18	,	,	PUNCT
easat-8176	276	19	banks	bank	NOUN
easat-8176	276	20	and	and	CCONJ
easat-8176	276	21	service	service	NOUN
easat-8176	276	22	providers	provider	NOUN
easat-8176	276	23	need	need	VERB
easat-8176	276	24	to	to	PART
easat-8176	276	25	deploy	deploy	VERB
easat-8176	276	26	synchronous	synchronous	ADJ
easat-8176	276	27	management	management	NOUN
easat-8176	276	28	solutions	solution	NOUN
easat-8176	276	29	.	.	PUNCT
easat-8176	277	1	specifically	specifically	ADV
easat-8176	277	2	,	,	PUNCT
easat-8176	277	3	it	it	PRON
easat-8176	277	4	is	be	AUX
easat-8176	277	5	necessary	necessary	ADJ
easat-8176	277	6	to	to	PART
easat-8176	277	7	increase	increase	VERB
easat-8176	277	8	trust	trust	NOUN
easat-8176	277	9	through	through	ADP
easat-8176	277	10	data	datum	NOUN
easat-8176	277	11	security	security	NOUN
easat-8176	277	12	,	,	PUNCT
easat-8176	277	13	process	process	NOUN
easat-8176	277	14	transparency	transparency	NOUN
easat-8176	277	15	and	and	CCONJ
easat-8176	277	16	transaction	transaction	NOUN
easat-8176	277	17	security	security	NOUN
easat-8176	277	18	.	.	PUNCT
easat-8176	278	1	at	at	ADP
easat-8176	278	2	the	the	DET
easat-8176	278	3	same	same	ADJ
easat-8176	278	4	time	time	NOUN
easat-8176	278	5	,	,	PUNCT
easat-8176	278	6	it	it	PRON
easat-8176	278	7	is	be	AUX
easat-8176	278	8	necessary	necessary	ADJ
easat-8176	278	9	to	to	PART
easat-8176	278	10	simplify	simplify	VERB
easat-8176	278	11	operations	operation	NOUN
easat-8176	278	12	and	and	CCONJ
easat-8176	278	13	design	design	VERB
easat-8176	278	14	a	a	DET
easat-8176	278	15	friendly	friendly	ADJ
easat-8176	278	16	interface	interface	NOUN
easat-8176	278	17	to	to	PART
easat-8176	278	18	enhance	enhance	VERB
easat-8176	278	19	user	user	NOUN
easat-8176	278	20	experience	experience	NOUN
easat-8176	278	21	.	.	PUNCT
easat-8176	279	1	emphasizing	emphasize	VERB
easat-8176	279	2	practical	practical	ADJ
easat-8176	279	3	benefits	benefit	NOUN
easat-8176	279	4	such	such	ADJ
easat-8176	279	5	as	as	ADP
easat-8176	279	6	speed	speed	NOUN
easat-8176	279	7	and	and	CCONJ
easat-8176	279	8	convenience	convenience	NOUN
easat-8176	279	9	also	also	ADV
easat-8176	279	10	helps	help	VERB
easat-8176	279	11	increase	increase	VERB
easat-8176	279	12	customers	customer	NOUN
easat-8176	279	13	'	'	PART
easat-8176	279	14	perceived	perceive	VERB
easat-8176	279	15	value	value	NOUN
easat-8176	279	16	.	.	PUNCT
easat-8176	280	1	in	in	ADP
easat-8176	280	2	addition	addition	NOUN
easat-8176	280	3	,	,	PUNCT
easat-8176	280	4	it	it	PRON
easat-8176	280	5	is	be	AUX
easat-8176	280	6	necessary	necessary	ADJ
easat-8176	280	7	to	to	PART
easat-8176	280	8	take	take	VERB
easat-8176	280	9	advantage	advantage	NOUN
easat-8176	280	10	of	of	ADP
easat-8176	280	11	social	social	ADJ
easat-8176	280	12	influence	influence	NOUN
easat-8176	280	13	by	by	ADP
easat-8176	280	14	promoting	promote	VERB
easat-8176	280	15	communication	communication	NOUN
easat-8176	280	16	,	,	PUNCT
easat-8176	280	17	cooperating	cooperate	VERB
easat-8176	280	18	with	with	ADP
easat-8176	280	19	kols	kol	NOUN
easat-8176	280	20	and	and	CCONJ
easat-8176	280	21	building	build	VERB
easat-8176	280	22	an	an	DET
easat-8176	280	23	active	active	ADJ
easat-8176	280	24	user	user	NOUN
easat-8176	280	25	community	community	NOUN
easat-8176	280	26	.	.	PUNCT
easat-8176	281	1	additionally	additionally	ADV
easat-8176	281	2	,	,	PUNCT
easat-8176	281	3	organizations	organization	NOUN
easat-8176	281	4	need	need	VERB
easat-8176	281	5	to	to	PART
easat-8176	281	6	support	support	VERB
easat-8176	281	7	users	user	NOUN
easat-8176	281	8	to	to	PART
easat-8176	281	9	improve	improve	VERB
easat-8176	281	10	their	their	PRON
easat-8176	281	11	access	access	NOUN
easat-8176	281	12	to	to	ADP
easat-8176	281	13	technology	technology	NOUN
easat-8176	281	14	through	through	ADP
easat-8176	281	15	consulting	consulting	NOUN
easat-8176	281	16	,	,	PUNCT
easat-8176	281	17	guidance	guidance	NOUN
easat-8176	281	18	,	,	PUNCT
easat-8176	281	19	and	and	CCONJ
easat-8176	281	20	technical	technical	ADJ
easat-8176	281	21	support	support	NOUN
easat-8176	281	22	.	.	PUNCT
easat-8176	282	1	finally	finally	ADV
easat-8176	282	2	,	,	PUNCT
easat-8176	282	3	ensuring	ensure	VERB
easat-8176	282	4	consistent	consistent	ADJ
easat-8176	282	5	service	service	NOUN
easat-8176	282	6	quality	quality	NOUN
easat-8176	282	7	,	,	PUNCT
easat-8176	282	8	quick	quick	ADJ
easat-8176	282	9	response	response	NOUN
easat-8176	282	10	,	,	PUNCT
easat-8176	282	11	and	and	CCONJ
easat-8176	282	12	effective	effective	ADJ
easat-8176	282	13	customer	customer	NOUN
easat-8176	282	14	support	support	NOUN
easat-8176	282	15	are	be	AUX
easat-8176	282	16	key	key	ADJ
easat-8176	282	17	factors	factor	NOUN
easat-8176	282	18	to	to	PART
easat-8176	282	19	maintain	maintain	VERB
easat-8176	282	20	satisfaction	satisfaction	NOUN
easat-8176	282	21	and	and	CCONJ
easat-8176	282	22	promote	promote	VERB
easat-8176	282	23	digital	digital	ADJ
easat-8176	282	24	payment	payment	NOUN
easat-8176	282	25	adoption	adoption	NOUN
easat-8176	282	26	in	in	ADP
easat-8176	282	27	the	the	DET
easat-8176	282	28	current	current	ADJ
easat-8176	282	29	context	context	NOUN
easat-8176	282	30	of	of	ADP
easat-8176	282	31	strong	strong	ADJ
easat-8176	282	32	digital	digital	ADJ
easat-8176	282	33	transformation	transformation	NOUN
easat-8176	282	34	.	.	PUNCT
easat-8176	283	1	transparency	transparency	NOUN
easat-8176	283	2	:	:	PUNCT
easat-8176	283	3	the	the	DET
easat-8176	283	4	authors	author	NOUN
easat-8176	283	5	confirm	confirm	VERB
easat-8176	283	6	that	that	SCONJ
easat-8176	283	7	the	the	DET
easat-8176	283	8	manuscript	manuscript	NOUN
easat-8176	283	9	is	be	AUX
easat-8176	283	10	an	an	DET
easat-8176	283	11	honest	honest	ADJ
easat-8176	283	12	,	,	PUNCT
easat-8176	283	13	accurate	accurate	ADJ
easat-8176	283	14	,	,	PUNCT
easat-8176	283	15	and	and	CCONJ
easat-8176	283	16	transparent	transparent	ADJ
easat-8176	283	17	account	account	NOUN
easat-8176	283	18	of	of	ADP
easat-8176	283	19	the	the	DET
easat-8176	283	20	study	study	NOUN
easat-8176	283	21	;	;	PUNCT
easat-8176	283	22	that	that	SCONJ
easat-8176	283	23	no	no	DET
easat-8176	283	24	vital	vital	ADJ
easat-8176	283	25	features	feature	NOUN
easat-8176	283	26	of	of	ADP
easat-8176	283	27	the	the	DET
easat-8176	283	28	study	study	NOUN
easat-8176	283	29	have	have	AUX
easat-8176	283	30	been	be	AUX
easat-8176	283	31	omitted	omit	VERB
easat-8176	283	32	;	;	PUNCT
easat-8176	283	33	and	and	CCONJ
easat-8176	283	34	that	that	SCONJ
easat-8176	283	35	any	any	DET
easat-8176	283	36	discrepancies	discrepancy	NOUN
easat-8176	283	37	from	from	ADP
easat-8176	283	38	the	the	DET
easat-8176	283	39	study	study	NOUN
easat-8176	283	40	as	as	SCONJ
easat-8176	283	41	planned	plan	VERB
easat-8176	283	42	have	have	AUX
easat-8176	283	43	been	be	AUX
easat-8176	283	44	explained	explain	VERB
easat-8176	283	45	.	.	PUNCT
easat-8176	284	1	this	this	DET
easat-8176	284	2	study	study	NOUN
easat-8176	284	3	followed	follow	VERB
easat-8176	284	4	all	all	DET
easat-8176	284	5	ethical	ethical	ADJ
easat-8176	284	6	practices	practice	NOUN
easat-8176	284	7	during	during	ADP
easat-8176	284	8	writing	writing	NOUN
easat-8176	284	9	.	.	PUNCT
easat-8176	285	1	copyright	copyright	NOUN
easat-8176	285	2	:	:	PUNCT
easat-8176	285	3	©	©	PROPN
easat-8176	285	4	2025	2025	NUM
easat-8176	285	5	by	by	ADP
easat-8176	285	6	the	the	DET
easat-8176	285	7	authors	author	NOUN
easat-8176	285	8	.	.	PUNCT
easat-8176	286	1	this	this	DET
easat-8176	286	2	open	open	ADJ
easat-8176	286	3	-	-	PUNCT
easat-8176	286	4	access	access	NOUN
easat-8176	286	5	article	article	NOUN
easat-8176	286	6	is	be	AUX
easat-8176	286	7	distributed	distribute	VERB
easat-8176	286	8	under	under	ADP
easat-8176	286	9	the	the	DET
easat-8176	286	10	terms	term	NOUN
easat-8176	286	11	and	and	CCONJ
easat-8176	286	12	conditions	condition	NOUN
easat-8176	286	13	of	of	ADP
easat-8176	286	14	the	the	DET
easat-8176	286	15	creative	creative	ADJ
easat-8176	286	16	commons	common	NOUN
easat-8176	286	17	attribution	attribution	NOUN
easat-8176	286	18	(	(	PUNCT
easat-8176	286	19	cc	cc	NOUN
easat-8176	286	20	by	by	ADP
easat-8176	286	21	)	)	PUNCT
easat-8176	286	22	license	license	NOUN
easat-8176	286	23	(	(	PUNCT
easat-8176	286	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-8176	286	25	)	)	PUNCT
easat-8176	286	26	.	.	PUNCT
easat-8176	287	1	references	reference	NOUN
easat-8176	287	2	[	[	X
easat-8176	287	3	1	1	NUM
easat-8176	287	4	]	]	X
easat-8176	287	5	u.	u.	PROPN
easat-8176	287	6	rahardja	rahardja	PROPN
easat-8176	287	7	,	,	PUNCT
easat-8176	287	8	c.	c.	PROPN
easat-8176	287	9	t.	t.	PROPN
easat-8176	287	10	sigalingging	sigalingging	PROPN
easat-8176	287	11	,	,	PUNCT
easat-8176	287	12	p.	p.	PROPN
easat-8176	287	13	o.	o.	PROPN
easat-8176	287	14	h.	h.	PROPN
easat-8176	287	15	putra	putra	PROPN
easat-8176	287	16	,	,	PUNCT
easat-8176	287	17	a.	a.	PROPN
easat-8176	287	18	nizar	nizar	PROPN
easat-8176	287	19	hidayanto	hidayanto	PROPN
easat-8176	287	20	,	,	PUNCT
easat-8176	287	21	and	and	CCONJ
easat-8176	287	22	k.	k.	PROPN
easat-8176	287	23	phusavat	phusavat	PROPN
easat-8176	287	24	,	,	PUNCT
easat-8176	287	25	"	"	PUNCT
easat-8176	287	26	the	the	DET
easat-8176	287	27	impact	impact	NOUN
easat-8176	287	28	of	of	ADP
easat-8176	287	29	mobile	mobile	ADJ
easat-8176	287	30	payment	payment	NOUN
easat-8176	287	31	application	application	NOUN
easat-8176	287	32	design	design	NOUN
easat-8176	287	33	and	and	CCONJ
easat-8176	287	34	performance	performance	NOUN
easat-8176	287	35	attributes	attribute	VERB
easat-8176	287	36	on	on	ADP
easat-8176	287	37	consumer	consumer	NOUN
easat-8176	287	38	emotions	emotion	NOUN
easat-8176	287	39	and	and	CCONJ
easat-8176	287	40	continuance	continuance	NOUN
easat-8176	287	41	intention	intention	NOUN
easat-8176	287	42	,	,	PUNCT
easat-8176	287	43	"	"	PUNCT
easat-8176	287	44	sage	sage	NOUN
easat-8176	287	45	open	open	ADJ
easat-8176	287	46	,	,	PUNCT
easat-8176	287	47	vol	vol	NOUN
easat-8176	287	48	.	.	PROPN
easat-8176	287	49	13	13	NUM
easat-8176	287	50	,	,	PUNCT
easat-8176	287	51	no	no	INTJ
easat-8176	287	52	.	.	NOUN
easat-8176	287	53	1	1	NUM
easat-8176	287	54	,	,	PUNCT
easat-8176	287	55	p.	p.	NOUN
easat-8176	287	56	21582440231151919	21582440231151919	NUM
easat-8176	287	57	,	,	PUNCT
easat-8176	287	58	2023	2023	NUM
easat-8176	287	59	.	.	PUNCT
easat-8176	287	60	https://doi.org/10.1177/21582440231151919	https://doi.org/10.1177/21582440231151919	X
easat-8176	288	1	[	[	X
easat-8176	288	2	2	2	NUM
easat-8176	288	3	]	]	PUNCT
easat-8176	288	4	m.	m.	NOUN
easat-8176	288	5	v.	v.	ADP
easat-8176	288	6	h.	h.	PROPN
easat-8176	288	7	cong	cong	PROPN
easat-8176	288	8	,	,	PUNCT
easat-8176	288	9	c.	c.	PROPN
easat-8176	288	10	h.	h.	PROPN
easat-8176	288	11	nguyen	nguyen	PROPN
easat-8176	288	12	,	,	PUNCT
easat-8176	288	13	and	and	CCONJ
easat-8176	288	14	l.	l.	PROPN
easat-8176	288	15	t.	t.	PROPN
easat-8176	288	16	nhu	nhu	PROPN
easat-8176	288	17	,	,	PUNCT
easat-8176	288	18	"	"	PUNCT
easat-8176	288	19	a	a	DET
easat-8176	288	20	study	study	NOUN
easat-8176	288	21	on	on	ADP
easat-8176	288	22	the	the	DET
easat-8176	288	23	impacts	impact	NOUN
easat-8176	288	24	of	of	ADP
easat-8176	288	25	safety	safety	NOUN
easat-8176	288	26	and	and	CCONJ
easat-8176	288	27	security	security	NOUN
easat-8176	288	28	on	on	ADP
easat-8176	288	29	consumer	consumer	NOUN
easat-8176	288	30	’s	’s	PART
easat-8176	288	31	intention	intention	NOUN
easat-8176	288	32	to	to	PART
easat-8176	288	33	use	use	VERB
easat-8176	288	34	electronic	electronic	ADJ
easat-8176	288	35	wallets	wallet	NOUN
easat-8176	288	36	in	in	ADP
easat-8176	288	37	hanoi	hanoi	NOUN
easat-8176	288	38	,	,	PUNCT
easat-8176	288	39	"	"	PUNCT
easat-8176	288	40	innovative	innovative	ADJ
easat-8176	288	41	marketing	marketing	NOUN
easat-8176	288	42	,	,	PUNCT
easat-8176	288	43	vol	vol	NOUN
easat-8176	288	44	.	.	PROPN
easat-8176	288	45	20	20	NUM
easat-8176	288	46	,	,	PUNCT
easat-8176	288	47	no	no	INTJ
easat-8176	288	48	.	.	NOUN
easat-8176	288	49	4	4	NUM
easat-8176	288	50	,	,	PUNCT
easat-8176	288	51	pp	pp	ADJ
easat-8176	288	52	.	.	PUNCT
easat-8176	288	53	85	85	NUM
easat-8176	288	54	-	-	SYM
easat-8176	288	55	99	99	NUM
easat-8176	288	56	,	,	PUNCT
easat-8176	288	57	2024	2024	NUM
easat-8176	288	58	.	.	PUNCT
easat-8176	289	1	https://doi.org/10.21511/im.20(4).2024.08	https://doi.org/10.21511/im.20(4).2024.08	NOUN
easat-8176	290	1	[	[	X
easat-8176	290	2	3	3	X
easat-8176	290	3	]	]	X
easat-8176	290	4	t.	t.	PROPN
easat-8176	290	5	laukkanen	laukkanen	PROPN
easat-8176	290	6	,	,	PUNCT
easat-8176	290	7	"	"	PUNCT
easat-8176	290	8	consumer	consumer	NOUN
easat-8176	290	9	adoption	adoption	NOUN
easat-8176	290	10	versus	versus	ADP
easat-8176	290	11	rejection	rejection	NOUN
easat-8176	290	12	decisions	decision	NOUN
easat-8176	290	13	in	in	ADP
easat-8176	290	14	seemingly	seemingly	ADV
easat-8176	290	15	similar	similar	ADJ
easat-8176	290	16	service	service	NOUN
easat-8176	290	17	innovations	innovation	NOUN
easat-8176	290	18	:	:	PUNCT
easat-8176	290	19	the	the	DET
easat-8176	290	20	case	case	NOUN
easat-8176	290	21	of	of	ADP
easat-8176	290	22	the	the	DET
easat-8176	290	23	internet	internet	NOUN
easat-8176	290	24	and	and	CCONJ
easat-8176	290	25	mobile	mobile	ADJ
easat-8176	290	26	banking	banking	NOUN
easat-8176	290	27	,	,	PUNCT
easat-8176	290	28	"	"	PUNCT
easat-8176	290	29	journal	journal	NOUN
easat-8176	290	30	of	of	ADP
easat-8176	290	31	business	business	NOUN
easat-8176	290	32	research	research	NOUN
easat-8176	290	33	,	,	PUNCT
easat-8176	290	34	vol	vol	NOUN
easat-8176	290	35	.	.	PROPN
easat-8176	290	36	69	69	NUM
easat-8176	290	37	,	,	PUNCT
easat-8176	290	38	no	no	INTJ
easat-8176	290	39	.	.	NOUN
easat-8176	290	40	7	7	NUM
easat-8176	290	41	,	,	PUNCT
easat-8176	290	42	pp	pp	ADJ
easat-8176	290	43	.	.	PUNCT
easat-8176	290	44	2432	2432	NUM
easat-8176	290	45	-	-	SYM
easat-8176	290	46	2439	2439	NUM
easat-8176	290	47	,	,	PUNCT
easat-8176	290	48	2016	2016	NUM
easat-8176	290	49	.	.	PUNCT
easat-8176	291	1	https://doi.org/10.1016/j.jbusres.2016.01.013	https://doi.org/10.1016/j.jbusres.2016.01.013	PROPN
easat-8176	291	2	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-8176	291	3	https://doi.org/10.1177/21582440231151919	https://doi.org/10.1177/21582440231151919	PROPN
easat-8176	291	4	https://doi.org/10.21511/im.20(4).2024.08	https://doi.org/10.21511/im.20(4).2024.08	PART
easat-8176	291	5	https://doi.org/10.1016/j.jbusres.2016.01.013	https://doi.org/10.1016/j.jbusres.2016.01.013	PROPN
easat-8176	291	6	1502	1502	NUM
easat-8176	291	7	edelweiss	edelweiss	PROPN
easat-8176	291	8	applied	apply	VERB
easat-8176	291	9	science	science	NOUN
easat-8176	291	10	and	and	CCONJ
easat-8176	291	11	technology	technology	NOUN
easat-8176	291	12	issn	issn	PROPN
easat-8176	291	13	:	:	PUNCT
easat-8176	291	14	2576	2576	NUM
easat-8176	291	15	-	-	SYM
easat-8176	291	16	8484	8484	NUM
easat-8176	291	17	vol	vol	NOUN
easat-8176	291	18	.	.	PROPN
easat-8176	292	1	9	9	NUM
easat-8176	292	2	,	,	PUNCT
easat-8176	292	3	no	no	INTJ
easat-8176	292	4	.	.	NOUN
easat-8176	292	5	6	6	NUM
easat-8176	292	6	:	:	SYM
easat-8176	292	7	1490	1490	NUM
easat-8176	292	8	-	-	SYM
easat-8176	292	9	1502	1502	NUM
easat-8176	292	10	,	,	PUNCT
easat-8176	292	11	2025	2025	NUM
easat-8176	292	12	doi	doi	NOUN
easat-8176	292	13	:	:	PUNCT
easat-8176	292	14	10.55214/25768484.v9i6.8176	10.55214/25768484.v9i6.8176	PROPN
easat-8176	292	15	©	©	PROPN
easat-8176	292	16	2025	2025	NUM
easat-8176	292	17	by	by	ADP
easat-8176	292	18	the	the	DET
easat-8176	292	19	authors	author	NOUN
easat-8176	292	20	;	;	PUNCT
easat-8176	292	21	licensee	licensee	PROPN
easat-8176	292	22	learning	learning	NOUN
easat-8176	292	23	gate	gate	NOUN
easat-8176	293	1	[	[	X
easat-8176	293	2	4	4	X
easat-8176	293	3	]	]	PUNCT
easat-8176	293	4	s.	s.	PROPN
easat-8176	293	5	olenik	olenik	PROPN
easat-8176	293	6	,	,	PUNCT
easat-8176	293	7	h.	h.	PROPN
easat-8176	293	8	s.	s.	PROPN
easat-8176	293	9	lee	lee	PROPN
easat-8176	293	10	,	,	PUNCT
easat-8176	293	11	and	and	CCONJ
easat-8176	293	12	f.	f.	PROPN
easat-8176	293	13	güder	güder	PROPN
easat-8176	293	14	,	,	PUNCT
easat-8176	293	15	"	"	PUNCT
easat-8176	293	16	the	the	DET
easat-8176	293	17	future	future	NOUN
easat-8176	293	18	of	of	ADP
easat-8176	293	19	near	near	ADJ
easat-8176	293	20	-	-	PUNCT
easat-8176	293	21	field	field	NOUN
easat-8176	293	22	communication	communication	NOUN
easat-8176	293	23	-	-	PUNCT
easat-8176	293	24	based	base	VERB
easat-8176	293	25	wireless	wireless	ADJ
easat-8176	293	26	sensing	sensing	NOUN
easat-8176	293	27	,	,	PUNCT
easat-8176	293	28	"	"	PUNCT
easat-8176	293	29	nature	nature	NOUN
easat-8176	293	30	reviews	review	VERB
easat-8176	293	31	materials	material	NOUN
easat-8176	293	32	,	,	PUNCT
easat-8176	293	33	vol	vol	NOUN
easat-8176	293	34	.	.	PROPN
easat-8176	294	1	6	6	NUM
easat-8176	294	2	,	,	PUNCT
easat-8176	294	3	no	no	INTJ
easat-8176	294	4	.	.	NOUN
easat-8176	294	5	4	4	NUM
easat-8176	294	6	,	,	PUNCT
easat-8176	294	7	pp	pp	ADJ
easat-8176	294	8	.	.	PUNCT
easat-8176	295	1	286	286	NUM
easat-8176	295	2	-	-	SYM
easat-8176	295	3	288	288	NUM
easat-8176	295	4	,	,	PUNCT
easat-8176	295	5	2021	2021	NUM
easat-8176	295	6	.	.	PUNCT
easat-8176	296	1	https://doi.org/10.1038/s41578-021-00299-8	https://doi.org/10.1038/s41578-021-00299-8	NUM
easat-8176	297	1	[	[	X
easat-8176	297	2	5	5	X
easat-8176	297	3	]	]	PUNCT
easat-8176	297	4	d.	d.	PROPN
easat-8176	297	5	giese	giese	PROPN
easat-8176	297	6	,	,	PUNCT
easat-8176	297	7	k.	k.	PROPN
easat-8176	297	8	liu	liu	PROPN
easat-8176	297	9	,	,	PUNCT
easat-8176	297	10	m.	m.	NOUN
easat-8176	297	11	sun	sun	PROPN
easat-8176	297	12	,	,	PUNCT
easat-8176	297	13	t.	t.	PROPN
easat-8176	297	14	syed	syed	PROPN
easat-8176	297	15	,	,	PUNCT
easat-8176	297	16	and	and	CCONJ
easat-8176	297	17	l.	l.	PROPN
easat-8176	297	18	zhang	zhang	PROPN
easat-8176	297	19	,	,	PUNCT
easat-8176	297	20	"	"	PUNCT
easat-8176	297	21	security	security	NOUN
easat-8176	297	22	analysis	analysis	NOUN
easat-8176	297	23	of	of	ADP
easat-8176	297	24	near	near	ADJ
easat-8176	297	25	-	-	PUNCT
easat-8176	297	26	field	field	NOUN
easat-8176	297	27	communication	communication	NOUN
easat-8176	297	28	(	(	PUNCT
easat-8176	297	29	nfc	nfc	NOUN
easat-8176	297	30	)	)	PUNCT
easat-8176	297	31	payments	payment	NOUN
easat-8176	297	32	,	,	PUNCT
easat-8176	297	33	"	"	PUNCT
easat-8176	297	34	arxiv	arxiv	PROPN
easat-8176	297	35	preprint	preprint	NOUN
easat-8176	297	36	arxiv:1904.10623	arxiv:1904.10623	NUM
easat-8176	297	37	,	,	PUNCT
easat-8176	297	38	2019	2019	NUM
easat-8176	297	39	.	.	PUNCT
easat-8176	298	1	https://doi.org/10.48550/arxiv.1904.10623	https://doi.org/10.48550/arxiv.1904.10623	PROPN
easat-8176	298	2	[	[	X
easat-8176	298	3	6	6	NUM
easat-8176	298	4	]	]	PUNCT
easat-8176	298	5	t.	t.	PROPN
easat-8176	298	6	p.	p.	PROPN
easat-8176	298	7	chung	chung	PROPN
easat-8176	298	8	,	,	PUNCT
easat-8176	298	9	l.	l.	PROPN
easat-8176	298	10	n.	n.	PROPN
easat-8176	298	11	t.	t.	PROPN
easat-8176	298	12	ngoc	ngoc	PROPN
easat-8176	298	13	,	,	PUNCT
easat-8176	298	14	l.	l.	PROPN
easat-8176	298	15	n.	n.	PROPN
easat-8176	298	16	t.	t.	PROPN
easat-8176	299	1	my	my	PRON
easat-8176	299	2	,	,	PUNCT
easat-8176	299	3	and	and	CCONJ
easat-8176	299	4	a.	a.	PROPN
easat-8176	299	5	v.	v.	PROPN
easat-8176	299	6	xuan	xuan	PROPN
easat-8176	299	7	,	,	PUNCT
easat-8176	299	8	"	"	PUNCT
easat-8176	299	9	the	the	DET
easat-8176	299	10	effect	effect	NOUN
easat-8176	299	11	of	of	ADP
easat-8176	299	12	word	word	NOUN
easat-8176	299	13	–	–	PUNCT
easat-8176	299	14	of	of	ADP
easat-8176	299	15	–	–	PUNCT
easat-8176	299	16	mouth	mouth	NOUN
easat-8176	299	17	on	on	ADP
easat-8176	299	18	the	the	DET
easat-8176	299	19	adoption	adoption	NOUN
easat-8176	299	20	behavior	behavior	NOUN
easat-8176	299	21	of	of	ADP
easat-8176	299	22	mobile	mobile	ADJ
easat-8176	299	23	banking	banking	NOUN
easat-8176	299	24	in	in	ADP
easat-8176	299	25	vietnam	vietnam	PROPN
easat-8176	299	26	,	,	PUNCT
easat-8176	299	27	"	"	PUNCT
easat-8176	299	28	presented	present	VERB
easat-8176	299	29	at	at	ADP
easat-8176	299	30	the	the	DET
easat-8176	299	31	in	in	ADP
easat-8176	299	32	international	international	ADJ
easat-8176	299	33	conference	conference	NOUN
easat-8176	299	34	on	on	ADP
easat-8176	299	35	emerging	emerge	VERB
easat-8176	299	36	challenges	challenge	NOUN
easat-8176	299	37	:	:	PUNCT
easat-8176	299	38	strategic	strategic	ADJ
easat-8176	299	39	adaptation	adaptation	NOUN
easat-8176	299	40	in	in	ADP
easat-8176	299	41	the	the	DET
easat-8176	299	42	world	world	NOUN
easat-8176	299	43	of	of	ADP
easat-8176	299	44	uncertainties	uncertainty	NOUN
easat-8176	299	45	(	(	PUNCT
easat-8176	299	46	icech	icech	NOUN
easat-8176	299	47	2022	2022	NUM
easat-8176	299	48	)	)	PUNCT
easat-8176	299	49	(	(	PUNCT
easat-8176	299	50	pp	pp	ADV
easat-8176	299	51	.	.	PUNCT
easat-8176	300	1	480	480	NUM
easat-8176	300	2	-	-	SYM
easat-8176	300	3	500	500	NUM
easat-8176	300	4	)	)	PUNCT
easat-8176	300	5	.	.	PUNCT
easat-8176	301	1	atlantis	atlantis	PROPN
easat-8176	301	2	press	press	PROPN
easat-8176	301	3	,	,	PUNCT
easat-8176	301	4	2023	2023	NUM
easat-8176	301	5	.	.	PUNCT
easat-8176	302	1	[	[	X
easat-8176	302	2	7	7	X
easat-8176	302	3	]	]	X
easat-8176	302	4	v.	v.	ADP
easat-8176	302	5	c.	c.	PROPN
easat-8176	302	6	nguyen	nguyen	PROPN
easat-8176	302	7	and	and	CCONJ
easat-8176	302	8	t.	t.	PROPN
easat-8176	302	9	h.	h.	PROPN
easat-8176	302	10	ao	ao	PROPN
easat-8176	302	11	,	,	PUNCT
easat-8176	302	12	"	"	PUNCT
easat-8176	302	13	factors	factor	NOUN
easat-8176	302	14	affecting	affect	VERB
easat-8176	302	15	consumer	consumer	NOUN
easat-8176	302	16	behaviour	behaviour	NOUN
easat-8176	302	17	to	to	PART
easat-8176	302	18	use	use	VERB
easat-8176	302	19	e	e	NOUN
easat-8176	302	20	-	-	NOUN
easat-8176	302	21	wallets	wallet	NOUN
easat-8176	302	22	:	:	PUNCT
easat-8176	302	23	an	an	DET
easat-8176	302	24	empirical	empirical	ADJ
easat-8176	302	25	study	study	NOUN
easat-8176	302	26	from	from	ADP
easat-8176	302	27	vietnam	vietnam	PROPN
easat-8176	302	28	context	context	NOUN
easat-8176	302	29	,	,	PUNCT
easat-8176	302	30	"	"	PUNCT
easat-8176	302	31	the	the	DET
easat-8176	302	32	vmost	vmost	ADJ
easat-8176	302	33	journal	journal	NOUN
easat-8176	302	34	of	of	ADP
easat-8176	302	35	social	social	ADJ
easat-8176	302	36	sciences	science	NOUN
easat-8176	302	37	and	and	CCONJ
easat-8176	302	38	humanities	humanity	NOUN
easat-8176	302	39	,	,	PUNCT
easat-8176	302	40	vol	vol	NOUN
easat-8176	302	41	.	.	PROPN
easat-8176	302	42	64	64	NUM
easat-8176	302	43	,	,	PUNCT
easat-8176	302	44	no	no	INTJ
easat-8176	302	45	.	.	NOUN
easat-8176	302	46	1	1	NUM
easat-8176	302	47	,	,	PUNCT
easat-8176	302	48	pp	pp	ADJ
easat-8176	302	49	.	.	PUNCT
easat-8176	303	1	10	10	NUM
easat-8176	303	2	-	-	SYM
easat-8176	303	3	24	24	NUM
easat-8176	303	4	,	,	PUNCT
easat-8176	303	5	2022	2022	NUM
easat-8176	303	6	.	.	PUNCT
easat-8176	304	1	[	[	X
easat-8176	304	2	8	8	NUM
easat-8176	304	3	]	]	X
easat-8176	304	4	r.	r.	PROPN
easat-8176	304	5	hijazi	hijazi	PROPN
easat-8176	304	6	,	,	PUNCT
easat-8176	304	7	a.	a.	NOUN
easat-8176	304	8	abu	abu	PROPN
easat-8176	304	9	daabes	daabe	NOUN
easat-8176	304	10	,	,	PUNCT
easat-8176	304	11	and	and	CCONJ
easat-8176	304	12	m.	m.	PROPN
easat-8176	304	13	i.	i.	PROPN
easat-8176	304	14	al	al	PROPN
easat-8176	304	15	-	-	PUNCT
easat-8176	304	16	ajlouni	ajlouni	PROPN
easat-8176	304	17	,	,	PUNCT
easat-8176	304	18	"	"	PUNCT
easat-8176	304	19	mobile	mobile	ADJ
easat-8176	304	20	payment	payment	NOUN
easat-8176	304	21	service	service	NOUN
easat-8176	304	22	quality	quality	NOUN
easat-8176	304	23	:	:	PUNCT
easat-8176	304	24	a	a	DET
easat-8176	304	25	new	new	ADJ
easat-8176	304	26	approach	approach	NOUN
easat-8176	304	27	for	for	ADP
easat-8176	304	28	continuance	continuance	NOUN
easat-8176	304	29	intention	intention	NOUN
easat-8176	304	30	,	,	PUNCT
easat-8176	304	31	"	"	PUNCT
easat-8176	304	32	international	international	ADJ
easat-8176	304	33	journal	journal	NOUN
easat-8176	304	34	of	of	ADP
easat-8176	304	35	quality	quality	NOUN
easat-8176	304	36	&	&	CCONJ
easat-8176	304	37	reliability	reliability	NOUN
easat-8176	304	38	management	management	NOUN
easat-8176	304	39	,	,	PUNCT
easat-8176	304	40	vol	vol	NOUN
easat-8176	304	41	.	.	PROPN
easat-8176	304	42	40	40	NUM
easat-8176	304	43	,	,	PUNCT
easat-8176	304	44	no	no	INTJ
easat-8176	304	45	.	.	NOUN
easat-8176	304	46	8	8	NUM
easat-8176	304	47	,	,	PUNCT
easat-8176	304	48	pp	pp	ADJ
easat-8176	304	49	.	.	PUNCT
easat-8176	305	1	2019	2019	NUM
easat-8176	305	2	-	-	SYM
easat-8176	305	3	2038	2038	NUM
easat-8176	305	4	,	,	PUNCT
easat-8176	305	5	2023	2023	NUM
easat-8176	305	6	.	.	PUNCT
easat-8176	306	1	https://doi.org/10.1108/ijqrm-05-2022-0151	https://doi.org/10.1108/ijqrm-05-2022-0151	NOUN
easat-8176	306	2	[	[	X
easat-8176	306	3	9	9	X
easat-8176	306	4	]	]	X
easat-8176	306	5	f.	f.	PROPN
easat-8176	306	6	liébana	liébana	PROPN
easat-8176	306	7	-	-	PUNCT
easat-8176	306	8	cabanillas	cabanilla	NOUN
easat-8176	306	9	,	,	PUNCT
easat-8176	306	10	i.	i.	NOUN
easat-8176	306	11	garcía	garcía	NOUN
easat-8176	306	12	-	-	PUNCT
easat-8176	306	13	maroto	maroto	NOUN
easat-8176	306	14	,	,	PUNCT
easat-8176	306	15	f.	f.	PROPN
easat-8176	306	16	muñoz	muñoz	PROPN
easat-8176	306	17	-	-	PUNCT
easat-8176	306	18	leiva	leiva	PROPN
easat-8176	306	19	,	,	PUNCT
easat-8176	306	20	and	and	CCONJ
easat-8176	306	21	i.	i.	PROPN
easat-8176	306	22	ramos	ramos	PROPN
easat-8176	306	23	-	-	PROPN
easat-8176	306	24	de	de	PROPN
easat-8176	306	25	-	-	NOUN
easat-8176	306	26	luna	luna	PROPN
easat-8176	306	27	,	,	PUNCT
easat-8176	306	28	"	"	PUNCT
easat-8176	306	29	mobile	mobile	ADJ
easat-8176	306	30	payment	payment	NOUN
easat-8176	306	31	adoption	adoption	NOUN
easat-8176	306	32	in	in	ADP
easat-8176	306	33	the	the	DET
easat-8176	306	34	age	age	NOUN
easat-8176	306	35	of	of	ADP
easat-8176	306	36	digital	digital	ADJ
easat-8176	306	37	transformation	transformation	NOUN
easat-8176	306	38	:	:	PUNCT
easat-8176	306	39	the	the	DET
easat-8176	306	40	case	case	NOUN
easat-8176	306	41	of	of	ADP
easat-8176	306	42	apple	apple	NOUN
easat-8176	306	43	pay	pay	NOUN
easat-8176	306	44	,	,	PUNCT
easat-8176	306	45	"	"	PUNCT
easat-8176	306	46	sustainability	sustainability	NOUN
easat-8176	306	47	,	,	PUNCT
easat-8176	306	48	vol	vol	NOUN
easat-8176	306	49	.	.	PROPN
easat-8176	306	50	12	12	NUM
easat-8176	306	51	,	,	PUNCT
easat-8176	306	52	no	no	INTJ
easat-8176	306	53	.	.	NOUN
easat-8176	306	54	13	13	NUM
easat-8176	306	55	,	,	PUNCT
easat-8176	306	56	p.	p.	NOUN
easat-8176	306	57	5443	5443	NUM
easat-8176	306	58	,	,	PUNCT
easat-8176	306	59	2020	2020	NUM
easat-8176	306	60	.	.	PUNCT
easat-8176	307	1	https://doi.org/10.3390/su12135443	https://doi.org/10.3390/su12135443	PRON
easat-8176	308	1	[	[	X
easat-8176	308	2	10	10	NUM
easat-8176	308	3	]	]	X
easat-8176	308	4	h.	h.	PROPN
easat-8176	308	5	zhao	zhao	PROPN
easat-8176	308	6	,	,	PUNCT
easat-8176	308	7	s.	s.	PROPN
easat-8176	308	8	t.	t.	PROPN
easat-8176	308	9	anong	anong	PROPN
easat-8176	308	10	,	,	PUNCT
easat-8176	308	11	and	and	CCONJ
easat-8176	308	12	l.	l.	PROPN
easat-8176	308	13	zhang	zhang	PROPN
easat-8176	308	14	,	,	PUNCT
easat-8176	308	15	"	"	PUNCT
easat-8176	308	16	understanding	understand	VERB
easat-8176	308	17	the	the	DET
easat-8176	308	18	impact	impact	NOUN
easat-8176	308	19	of	of	ADP
easat-8176	308	20	financial	financial	ADJ
easat-8176	308	21	incentives	incentive	NOUN
easat-8176	308	22	on	on	ADP
easat-8176	308	23	nfc	nfc	NOUN
easat-8176	308	24	mobile	mobile	ADJ
easat-8176	308	25	payment	payment	NOUN
easat-8176	308	26	adoption	adoption	NOUN
easat-8176	308	27	:	:	PUNCT
easat-8176	308	28	an	an	DET
easat-8176	308	29	experimental	experimental	ADJ
easat-8176	308	30	analysis	analysis	NOUN
easat-8176	308	31	,	,	PUNCT
easat-8176	308	32	"	"	PUNCT
easat-8176	308	33	international	international	ADJ
easat-8176	308	34	journal	journal	NOUN
easat-8176	308	35	of	of	ADP
easat-8176	308	36	bank	bank	PROPN
easat-8176	308	37	marketing	marketing	NOUN
easat-8176	308	38	,	,	PUNCT
easat-8176	308	39	vol	vol	NOUN
easat-8176	308	40	.	.	PROPN
easat-8176	308	41	37	37	NUM
easat-8176	308	42	,	,	PUNCT
easat-8176	308	43	no	no	INTJ
easat-8176	308	44	.	.	NOUN
easat-8176	308	45	5	5	NUM
easat-8176	308	46	,	,	PUNCT
easat-8176	308	47	pp	pp	ADJ
easat-8176	308	48	.	.	PUNCT
easat-8176	308	49	1296	1296	NUM
easat-8176	308	50	-	-	SYM
easat-8176	308	51	1312	1312	NUM
easat-8176	308	52	,	,	PUNCT
easat-8176	308	53	2019	2019	NUM
easat-8176	308	54	.	.	PUNCT
easat-8176	308	55	https://doi.org/10.1108/ijbm-08-2018-0229	https://doi.org/10.1108/ijbm-08-2018-0229	X
easat-8176	309	1	[	[	X
easat-8176	309	2	11	11	NUM
easat-8176	309	3	]	]	PUNCT
easat-8176	309	4	j.	j.	PROPN
easat-8176	309	5	yi	yi	PROPN
easat-8176	309	6	,	,	PUNCT
easat-8176	309	7	j.	j.	PROPN
easat-8176	309	8	kim	kim	PROPN
easat-8176	309	9	,	,	PUNCT
easat-8176	309	10	and	and	CCONJ
easat-8176	309	11	y.	y.	PROPN
easat-8176	309	12	k.	k.	PROPN
easat-8176	309	13	oh	oh	INTJ
easat-8176	309	14	,	,	PUNCT
easat-8176	309	15	"	"	PUNCT
easat-8176	309	16	uncovering	uncover	VERB
easat-8176	309	17	the	the	DET
easat-8176	309	18	quality	quality	NOUN
easat-8176	309	19	factors	factor	NOUN
easat-8176	309	20	driving	drive	VERB
easat-8176	309	21	the	the	DET
easat-8176	309	22	success	success	NOUN
easat-8176	309	23	of	of	ADP
easat-8176	309	24	mobile	mobile	ADJ
easat-8176	309	25	payment	payment	NOUN
easat-8176	309	26	apps	app	NOUN
easat-8176	309	27	,	,	PUNCT
easat-8176	309	28	"	"	PUNCT
easat-8176	309	29	journal	journal	NOUN
easat-8176	309	30	of	of	ADP
easat-8176	309	31	retailing	retailing	NOUN
easat-8176	309	32	and	and	CCONJ
easat-8176	309	33	consumer	consumer	NOUN
easat-8176	309	34	services	service	NOUN
easat-8176	309	35	,	,	PUNCT
easat-8176	309	36	vol	vol	NOUN
easat-8176	309	37	.	.	PROPN
easat-8176	310	1	77	77	NUM
easat-8176	310	2	,	,	PUNCT
easat-8176	310	3	p.	p.	NOUN
easat-8176	310	4	103641	103641	NUM
easat-8176	310	5	,	,	PUNCT
easat-8176	310	6	2024	2024	NUM
easat-8176	310	7	.	.	PUNCT
easat-8176	311	1	https://doi.org/10.1016/j.jretconser.2023.103641	https://doi.org/10.1016/j.jretconser.2023.103641	PROPN
easat-8176	311	2	[	[	X
easat-8176	311	3	12	12	NUM
easat-8176	311	4	]	]	X
easat-8176	311	5	n.	n.	PROPN
easat-8176	311	6	vu	vu	PROPN
easat-8176	311	7	,	,	PUNCT
easat-8176	311	8	"	"	PUNCT
easat-8176	311	9	announcement	announcement	NOUN
easat-8176	311	10	on	on	ADP
easat-8176	311	11	the	the	DET
easat-8176	311	12	results	result	NOUN
easat-8176	311	13	of	of	ADP
easat-8176	311	14	monetary	monetary	ADJ
easat-8176	311	15	policy	policy	NOUN
easat-8176	311	16	management	management	NOUN
easat-8176	311	17	and	and	CCONJ
easat-8176	311	18	banking	banking	NOUN
easat-8176	311	19	operations	operation	NOUN
easat-8176	311	20	in	in	ADP
easat-8176	311	21	the	the	DET
easat-8176	311	22	first	first	ADJ
easat-8176	311	23	quarter	quarter	NOUN
easat-8176	311	24	of	of	ADP
easat-8176	311	25	2024	2024	NUM
easat-8176	311	26	–	–	PUNCT
easat-8176	311	27	state	state	NOUN
easat-8176	311	28	bank	bank	PROPN
easat-8176	311	29	of	of	ADP
easat-8176	311	30	vietnam	vietnam	PROPN
easat-8176	311	31	,	,	PUNCT
easat-8176	311	32	"	"	PUNCT
easat-8176	311	33	retrieved	retrieve	VERB
easat-8176	311	34	:	:	PUNCT
easat-8176	311	35	https://www.sbv.gov.vn	https://www.sbv.gov.vn	ADJ
easat-8176	311	36	,	,	PUNCT
easat-8176	311	37	2024	2024	NUM
easat-8176	311	38	.	.	PUNCT
easat-8176	312	1	[	[	X
easat-8176	312	2	13	13	NUM
easat-8176	312	3	]	]	PUNCT
easat-8176	312	4	s.	s.	PROPN
easat-8176	312	5	ullah	ullah	PROPN
easat-8176	312	6	,	,	PUNCT
easat-8176	312	7	u.	u.	PROPN
easat-8176	312	8	s.	s.	PROPN
easat-8176	312	9	kiani	kiani	PROPN
easat-8176	312	10	,	,	PUNCT
easat-8176	312	11	b.	b.	PROPN
easat-8176	312	12	raza	raza	PROPN
easat-8176	312	13	,	,	PUNCT
easat-8176	312	14	and	and	CCONJ
easat-8176	312	15	a.	a.	PROPN
easat-8176	312	16	mustafa	mustafa	PROPN
easat-8176	312	17	,	,	PUNCT
easat-8176	312	18	"	"	PUNCT
easat-8176	312	19	consumers	consumer	NOUN
easat-8176	312	20	’	'	PUNCT
easat-8176	312	21	intention	intention	NOUN
easat-8176	312	22	to	to	PART
easat-8176	312	23	adopt	adopt	VERB
easat-8176	312	24	m	m	NOUN
easat-8176	312	25	-	-	NOUN
easat-8176	312	26	payment	payment	NOUN
easat-8176	312	27	/	/	SYM
easat-8176	312	28	m	m	NOUN
easat-8176	312	29	-	-	NOUN
easat-8176	312	30	banking	banking	NOUN
easat-8176	312	31	:	:	PUNCT
easat-8176	312	32	the	the	DET
easat-8176	312	33	role	role	NOUN
easat-8176	312	34	of	of	ADP
easat-8176	312	35	their	their	PRON
easat-8176	312	36	financial	financial	ADJ
easat-8176	312	37	skills	skill	NOUN
easat-8176	312	38	and	and	CCONJ
easat-8176	312	39	digital	digital	ADJ
easat-8176	312	40	literacy	literacy	NOUN
easat-8176	312	41	,	,	PUNCT
easat-8176	312	42	"	"	PUNCT
easat-8176	312	43	frontiers	frontier	NOUN
easat-8176	312	44	in	in	ADP
easat-8176	312	45	psychology	psychology	NOUN
easat-8176	312	46	,	,	PUNCT
easat-8176	312	47	vol	vol	NOUN
easat-8176	312	48	.	.	PROPN
easat-8176	312	49	13	13	NUM
easat-8176	312	50	,	,	PUNCT
easat-8176	312	51	p.	p.	NOUN
easat-8176	312	52	873708	873708	NUM
easat-8176	312	53	,	,	PUNCT
easat-8176	312	54	2022	2022	NUM
easat-8176	312	55	.	.	PUNCT
easat-8176	313	1	https://doi.org/10.3389/fpsyg.2022.873708	https://doi.org/10.3389/fpsyg.2022.873708	PROPN
easat-8176	314	1	[	[	X
easat-8176	314	2	14	14	NUM
easat-8176	314	3	]	]	X
easat-8176	314	4	l.	l.	NOUN
easat-8176	314	5	decision	decision	NOUN
easat-8176	314	6	,	,	PUNCT
easat-8176	314	7	"	"	PUNCT
easat-8176	314	8	decisionlab	decisionlab	NOUN
easat-8176	314	9	#	#	SYM
easat-8176	314	10	connectedconsumer	connectedconsumer	NOUN
easat-8176	314	11	#	#	SYM
easat-8176	314	12	cc	cc	NOUN
easat-8176	314	13	#	#	SYM
easat-8176	314	14	applepay	applepay	NOUN
easat-8176	314	15	,	,	PUNCT
easat-8176	314	16	"	"	PUNCT
easat-8176	314	17	retrieved	retrieve	VERB
easat-8176	314	18	:	:	PUNCT
easat-8176	314	19	https://www.linkedin.com/posts/decision-lab_decisionlab-connectedconsumer-cc-activity-7186269649909514240eehk	https://www.linkedin.com/posts/decision-lab_decisionlab-connectedconsumer-cc-activity-7186269649909514240eehk	PROPN
easat-8176	314	20	,	,	PUNCT
easat-8176	314	21	2023	2023	NUM
easat-8176	314	22	.	.	PUNCT
easat-8176	315	1	[	[	X
easat-8176	315	2	15	15	NUM
easat-8176	315	3	]	]	X
easat-8176	315	4	n.	n.	NOUN
easat-8176	315	5	nguyen	nguyen	PROPN
easat-8176	315	6	,	,	PUNCT
easat-8176	315	7	"	"	PUNCT
easat-8176	315	8	vietcombank	vietcombank	ADV
easat-8176	315	9	officially	officially	ADV
easat-8176	315	10	launches	launch	VERB
easat-8176	315	11	vcb	vcb	PROPN
easat-8176	315	12	tap	tap	NOUN
easat-8176	315	13	to	to	ADP
easat-8176	315	14	phone	phone	NOUN
easat-8176	315	15	payment	payment	NOUN
easat-8176	315	16	solution	solution	NOUN
easat-8176	315	17	,	,	PUNCT
easat-8176	315	18	"	"	PUNCT
easat-8176	315	19	economics	economic	NOUN
easat-8176	315	20	&	&	CCONJ
easat-8176	315	21	urban	urban	ADJ
easat-8176	315	22	.	.	PUNCT
easat-8176	316	1	https://kinhtedothi.vn/vietcombank-chinh-thuc-trien-khai-giai-phap-thanh-toan-vcb-tap-to-phone	https://kinhtedothi.vn/vietcombank-chinh-thuc-trien-khai-giai-phap-thanh-toan-vcb-tap-to-phone	NUM
easat-8176	316	2	,	,	PUNCT
easat-8176	316	3	2024	2024	NUM
easat-8176	316	4	.	.	PUNCT
easat-8176	317	1	[	[	X
easat-8176	317	2	16	16	NUM
easat-8176	317	3	]	]	X
easat-8176	317	4	f.	f.	PROPN
easat-8176	317	5	d.	d.	PROPN
easat-8176	317	6	davis	davis	PROPN
easat-8176	317	7	,	,	PUNCT
easat-8176	317	8	"	"	PUNCT
easat-8176	317	9	perceived	perceive	VERB
easat-8176	317	10	usefulness	usefulness	NOUN
easat-8176	317	11	,	,	PUNCT
easat-8176	317	12	perceived	perceive	VERB
easat-8176	317	13	ease	ease	NOUN
easat-8176	317	14	of	of	ADP
easat-8176	317	15	use	use	NOUN
easat-8176	317	16	,	,	PUNCT
easat-8176	317	17	and	and	CCONJ
easat-8176	317	18	user	user	NOUN
easat-8176	317	19	acceptance	acceptance	NOUN
easat-8176	317	20	of	of	ADP
easat-8176	317	21	information	information	NOUN
easat-8176	317	22	technology	technology	NOUN
easat-8176	317	23	,	,	PUNCT
easat-8176	317	24	"	"	PUNCT
easat-8176	317	25	mis	mis	PROPN
easat-8176	317	26	quarterly	quarterly	ADJ
easat-8176	317	27	,	,	PUNCT
easat-8176	317	28	vol	vol	NOUN
easat-8176	317	29	.	.	PROPN
easat-8176	317	30	13	13	NUM
easat-8176	317	31	,	,	PUNCT
easat-8176	317	32	no	no	INTJ
easat-8176	317	33	.	.	NOUN
easat-8176	317	34	3	3	NUM
easat-8176	317	35	,	,	PUNCT
easat-8176	317	36	pp	pp	ADJ
easat-8176	317	37	.	.	PUNCT
easat-8176	318	1	319	319	NUM
easat-8176	318	2	-	-	SYM
easat-8176	318	3	340	340	NUM
easat-8176	318	4	,	,	PUNCT
easat-8176	318	5	1989	1989	NUM
easat-8176	318	6	.	.	PUNCT
easat-8176	319	1	https://doi.org/10.2307/249008	https://doi.org/10.2307/249008	X
easat-8176	320	1	[	[	X
easat-8176	320	2	17	17	NUM
easat-8176	320	3	]	]	X
easat-8176	320	4	v.	v.	X
easat-8176	320	5	venkatesh	venkatesh	PROPN
easat-8176	320	6	,	,	PUNCT
easat-8176	320	7	m.	m.	NOUN
easat-8176	320	8	g.	g.	PROPN
easat-8176	320	9	morris	morris	PROPN
easat-8176	320	10	,	,	PUNCT
easat-8176	320	11	g.	g.	PROPN
easat-8176	320	12	b.	b.	PROPN
easat-8176	320	13	davis	davis	PROPN
easat-8176	320	14	,	,	PUNCT
easat-8176	320	15	and	and	CCONJ
easat-8176	320	16	f.	f.	PROPN
easat-8176	320	17	d.	d.	PROPN
easat-8176	320	18	davis	davis	PROPN
easat-8176	320	19	,	,	PUNCT
easat-8176	320	20	"	"	PUNCT
easat-8176	320	21	user	user	NOUN
easat-8176	320	22	acceptance	acceptance	NOUN
easat-8176	320	23	of	of	ADP
easat-8176	320	24	information	information	NOUN
easat-8176	320	25	technology	technology	NOUN
easat-8176	320	26	:	:	PUNCT
easat-8176	320	27	toward	toward	ADP
easat-8176	320	28	a	a	DET
easat-8176	320	29	unified	unified	ADJ
easat-8176	320	30	view	view	NOUN
easat-8176	320	31	,	,	PUNCT
easat-8176	320	32	"	"	PUNCT
easat-8176	320	33	mis	mis	PROPN
easat-8176	320	34	quarterly	quarterly	ADJ
easat-8176	320	35	,	,	PUNCT
easat-8176	320	36	vol	vol	NOUN
easat-8176	320	37	.	.	PROPN
easat-8176	320	38	27	27	NUM
easat-8176	320	39	,	,	PUNCT
easat-8176	320	40	no	no	INTJ
easat-8176	320	41	.	.	NOUN
easat-8176	320	42	3	3	NUM
easat-8176	320	43	,	,	PUNCT
easat-8176	320	44	pp	pp	ADJ
easat-8176	320	45	.	.	PUNCT
easat-8176	321	1	425	425	NUM
easat-8176	321	2	-	-	SYM
easat-8176	321	3	478	478	NUM
easat-8176	321	4	,	,	PUNCT
easat-8176	321	5	2003	2003	NUM
easat-8176	321	6	.	.	PUNCT
easat-8176	322	1	https://doi.org/10.2307/30036540	https://doi.org/10.2307/30036540	X
easat-8176	323	1	[	[	X
easat-8176	323	2	18	18	NUM
easat-8176	323	3	]	]	PUNCT
easat-8176	323	4	l.	l.	PROPN
easat-8176	323	5	gao	gao	PROPN
easat-8176	323	6	and	and	CCONJ
easat-8176	323	7	z.	z.	PROPN
easat-8176	323	8	liu	liu	PROPN
easat-8176	323	9	,	,	PUNCT
easat-8176	323	10	"	"	PUNCT
easat-8176	323	11	unraveling	unravel	VERB
easat-8176	323	12	the	the	DET
easat-8176	323	13	multifaceted	multifaceted	ADJ
easat-8176	323	14	nexus	nexus	NOUN
easat-8176	323	15	of	of	ADP
easat-8176	323	16	artificial	artificial	ADJ
easat-8176	323	17	intelligence	intelligence	NOUN
easat-8176	323	18	sports	sport	NOUN
easat-8176	323	19	and	and	CCONJ
easat-8176	323	20	user	user	NOUN
easat-8176	323	21	willingness	willingness	NOUN
easat-8176	323	22	:	:	PUNCT
easat-8176	323	23	a	a	DET
easat-8176	323	24	focus	focus	NOUN
easat-8176	323	25	on	on	ADP
easat-8176	323	26	technology	technology	NOUN
easat-8176	323	27	readiness	readiness	NOUN
easat-8176	323	28	,	,	PUNCT
easat-8176	323	29	perceived	perceive	VERB
easat-8176	323	30	usefulness	usefulness	NOUN
easat-8176	323	31	,	,	PUNCT
easat-8176	323	32	and	and	CCONJ
easat-8176	323	33	green	green	ADJ
easat-8176	323	34	consciousness	consciousness	NOUN
easat-8176	323	35	,	,	PUNCT
easat-8176	323	36	"	"	PUNCT
easat-8176	323	37	sustainability	sustainability	NOUN
easat-8176	323	38	,	,	PUNCT
easat-8176	323	39	vol	vol	NOUN
easat-8176	323	40	.	.	PROPN
easat-8176	323	41	15	15	NUM
easat-8176	323	42	,	,	PUNCT
easat-8176	323	43	no	no	INTJ
easat-8176	323	44	.	.	NOUN
easat-8176	323	45	18	18	NUM
easat-8176	323	46	,	,	PUNCT
easat-8176	323	47	p.	p.	NOUN
easat-8176	323	48	13961	13961	NUM
easat-8176	323	49	,	,	PUNCT
easat-8176	323	50	2023	2023	NUM
easat-8176	323	51	.	.	PUNCT
easat-8176	324	1	https://doi.org/10.3390/su151813961	https://doi.org/10.3390/su151813961	PROPN
easat-8176	324	2	[	[	X
easat-8176	324	3	19	19	NUM
easat-8176	324	4	]	]	PUNCT
easat-8176	324	5	m.	m.	NOUN
easat-8176	324	6	alrawad	alrawad	NOUN
easat-8176	324	7	,	,	PUNCT
easat-8176	324	8	a.	a.	NOUN
easat-8176	324	9	lutfi	lutfi	PROPN
easat-8176	324	10	,	,	PUNCT
easat-8176	324	11	m.	m.	NOUN
easat-8176	324	12	a.	a.	PROPN
easat-8176	324	13	almaiah	almaiah	PROPN
easat-8176	324	14	,	,	PUNCT
easat-8176	324	15	and	and	CCONJ
easat-8176	324	16	i.	i.	PROPN
easat-8176	324	17	a.	a.	PROPN
easat-8176	324	18	elshaer	elshaer	PROPN
easat-8176	324	19	,	,	PUNCT
easat-8176	324	20	"	"	PUNCT
easat-8176	324	21	examining	examine	VERB
easat-8176	324	22	the	the	DET
easat-8176	324	23	influence	influence	NOUN
easat-8176	324	24	of	of	ADP
easat-8176	324	25	trust	trust	NOUN
easat-8176	324	26	and	and	CCONJ
easat-8176	324	27	perceived	perceive	VERB
easat-8176	324	28	risk	risk	NOUN
easat-8176	324	29	on	on	ADP
easat-8176	324	30	customers	customer	NOUN
easat-8176	324	31	intention	intention	NOUN
easat-8176	324	32	to	to	PART
easat-8176	324	33	use	use	VERB
easat-8176	324	34	nfc	nfc	NOUN
easat-8176	324	35	mobile	mobile	ADJ
easat-8176	324	36	payment	payment	NOUN
easat-8176	324	37	system	system	NOUN
easat-8176	324	38	,	,	PUNCT
easat-8176	324	39	"	"	PUNCT
easat-8176	324	40	journal	journal	NOUN
easat-8176	324	41	of	of	ADP
easat-8176	324	42	open	open	ADJ
easat-8176	324	43	innovation	innovation	NOUN
easat-8176	324	44	:	:	PUNCT
easat-8176	324	45	technology	technology	NOUN
easat-8176	324	46	,	,	PUNCT
easat-8176	324	47	market	market	NOUN
easat-8176	324	48	,	,	PUNCT
easat-8176	324	49	and	and	CCONJ
easat-8176	324	50	complexity	complexity	NOUN
easat-8176	324	51	,	,	PUNCT
easat-8176	324	52	vol	vol	NOUN
easat-8176	324	53	.	.	NOUN
easat-8176	324	54	9	9	NUM
easat-8176	324	55	,	,	PUNCT
easat-8176	324	56	no	no	INTJ
easat-8176	324	57	.	.	NOUN
easat-8176	324	58	2	2	NUM
easat-8176	324	59	,	,	PUNCT
easat-8176	324	60	p.	p.	NOUN
easat-8176	324	61	100070	100070	NUM
easat-8176	324	62	,	,	PUNCT
easat-8176	324	63	2023	2023	NUM
easat-8176	324	64	.	.	PUNCT
easat-8176	325	1	https://doi.org/10.1016/j.joitmc.2023.100070	https://doi.org/10.1016/j.joitmc.2023.100070	NOUN
easat-8176	325	2	[	[	X
easat-8176	325	3	20	20	NUM
easat-8176	325	4	]	]	X
easat-8176	325	5	d.	d.	PROPN
easat-8176	325	6	gefen	gefen	PROPN
easat-8176	325	7	,	,	PUNCT
easat-8176	325	8	"	"	PUNCT
easat-8176	325	9	e	e	NOUN
easat-8176	325	10	-	-	NOUN
easat-8176	325	11	commerce	commerce	NOUN
easat-8176	325	12	:	:	PUNCT
easat-8176	325	13	the	the	DET
easat-8176	325	14	role	role	NOUN
easat-8176	325	15	of	of	ADP
easat-8176	325	16	familiarity	familiarity	NOUN
easat-8176	325	17	and	and	CCONJ
easat-8176	325	18	trust	trust	NOUN
easat-8176	325	19	,	,	PUNCT
easat-8176	325	20	"	"	PUNCT
easat-8176	325	21	omega	omega	NOUN
easat-8176	325	22	,	,	PUNCT
easat-8176	325	23	vol	vol	NOUN
easat-8176	325	24	.	.	PROPN
easat-8176	325	25	28	28	NUM
easat-8176	325	26	,	,	PUNCT
easat-8176	325	27	no	no	INTJ
easat-8176	325	28	.	.	NOUN
easat-8176	325	29	6	6	NUM
easat-8176	325	30	,	,	PUNCT
easat-8176	325	31	pp	pp	ADJ
easat-8176	325	32	.	.	PUNCT
easat-8176	326	1	725	725	NUM
easat-8176	326	2	-	-	SYM
easat-8176	326	3	737	737	NUM
easat-8176	326	4	,	,	PUNCT
easat-8176	326	5	2000	2000	NUM
easat-8176	326	6	.	.	PUNCT
easat-8176	327	1	https://doi.org/10.1016/s0305-0483(00)00021-9	https://doi.org/10.1016/s0305-0483(00)00021-9	NOUN
easat-8176	328	1	[	[	X
easat-8176	328	2	21	21	NUM
easat-8176	328	3	]	]	PUNCT
easat-8176	328	4	t.	t.	PROPN
easat-8176	328	5	t.	t.	PROPN
easat-8176	328	6	linh	linh	PROPN
easat-8176	328	7	,	,	PUNCT
easat-8176	328	8	"	"	PUNCT
easat-8176	328	9	adoption	adoption	NOUN
easat-8176	328	10	of	of	ADP
easat-8176	328	11	digital	digital	ADJ
easat-8176	328	12	payment	payment	NOUN
easat-8176	328	13	methods	method	NOUN
easat-8176	328	14	in	in	ADP
easat-8176	328	15	vietnam	vietnam	PROPN
easat-8176	328	16	:	:	PUNCT
easat-8176	328	17	key	key	ADJ
easat-8176	328	18	determinants	determinant	NOUN
easat-8176	328	19	and	and	CCONJ
easat-8176	328	20	distribution	distribution	NOUN
easat-8176	328	21	analysis	analysis	NOUN
easat-8176	328	22	,	,	PUNCT
easat-8176	328	23	"	"	PUNCT
easat-8176	328	24	journal	journal	NOUN
easat-8176	328	25	of	of	ADP
easat-8176	328	26	distribution	distribution	NOUN
easat-8176	328	27	science	science	NOUN
easat-8176	328	28	,	,	PUNCT
easat-8176	328	29	vol	vol	NOUN
easat-8176	328	30	.	.	PROPN
easat-8176	328	31	23	23	NUM
easat-8176	328	32	,	,	PUNCT
easat-8176	328	33	no	no	INTJ
easat-8176	328	34	.	.	NOUN
easat-8176	328	35	2	2	NUM
easat-8176	328	36	,	,	PUNCT
easat-8176	328	37	pp	pp	ADJ
easat-8176	328	38	.	.	PUNCT
easat-8176	329	1	39	39	NUM
easat-8176	329	2	-	-	SYM
easat-8176	329	3	49	49	NUM
easat-8176	329	4	,	,	PUNCT
easat-8176	329	5	2025	2025	NUM
easat-8176	329	6	.	.	PUNCT
easat-8176	330	1	https://doi.org/10.15722/jds.23.02.202502.39	https://doi.org/10.15722/jds.23.02.202502.39	PROPN
easat-8176	331	1	[	[	X
easat-8176	331	2	22	22	NUM
easat-8176	331	3	]	]	X
easat-8176	331	4	i.	i.	PROPN
easat-8176	331	5	agárdi	agárdi	PROPN
easat-8176	331	6	and	and	CCONJ
easat-8176	331	7	m.	m.	NOUN
easat-8176	331	8	a.	a.	NOUN
easat-8176	331	9	alt	alt	PROPN
easat-8176	331	10	,	,	PUNCT
easat-8176	331	11	"	"	PUNCT
easat-8176	331	12	do	do	AUX
easat-8176	331	13	digital	digital	ADJ
easat-8176	331	14	natives	native	NOUN
easat-8176	331	15	use	use	VERB
easat-8176	331	16	mobile	mobile	ADJ
easat-8176	331	17	payment	payment	NOUN
easat-8176	331	18	differently	differently	ADV
easat-8176	331	19	than	than	ADP
easat-8176	331	20	digital	digital	ADJ
easat-8176	331	21	immigrants	immigrant	NOUN
easat-8176	331	22	?	?	PUNCT
easat-8176	332	1	a	a	DET
easat-8176	332	2	comparative	comparative	ADJ
easat-8176	332	3	study	study	NOUN
easat-8176	332	4	between	between	ADP
easat-8176	332	5	generation	generation	NOUN
easat-8176	332	6	x	x	X
easat-8176	332	7	and	and	CCONJ
easat-8176	332	8	z	z	NOUN
easat-8176	332	9	,	,	PUNCT
easat-8176	332	10	"	"	PUNCT
easat-8176	332	11	electronic	electronic	ADJ
easat-8176	332	12	commerce	commerce	NOUN
easat-8176	332	13	research	research	NOUN
easat-8176	332	14	,	,	PUNCT
easat-8176	332	15	vol	vol	NOUN
easat-8176	332	16	.	.	PROPN
easat-8176	332	17	24	24	NUM
easat-8176	332	18	,	,	PUNCT
easat-8176	332	19	no	no	INTJ
easat-8176	332	20	.	.	NOUN
easat-8176	332	21	3	3	NUM
easat-8176	332	22	,	,	PUNCT
easat-8176	332	23	pp	pp	ADJ
easat-8176	332	24	.	.	PUNCT
easat-8176	333	1	1463	1463	NUM
easat-8176	333	2	-	-	SYM
easat-8176	333	3	1490	1490	NUM
easat-8176	333	4	,	,	PUNCT
easat-8176	333	5	2024	2024	NUM
easat-8176	333	6	.	.	PUNCT
easat-8176	334	1	https://doi.org/10.1007/s10660-022-09537-9	https://doi.org/10.1007/s10660-022-09537-9	NOUN
easat-8176	335	1	[	[	X
easat-8176	335	2	23	23	NUM
easat-8176	335	3	]	]	PUNCT
easat-8176	335	4	t.	t.	PROPN
easat-8176	335	5	nur	nur	PROPN
easat-8176	335	6	and	and	CCONJ
easat-8176	335	7	r.	r.	PROPN
easat-8176	335	8	r.	r.	PROPN
easat-8176	335	9	panggabean	panggabean	PROPN
easat-8176	335	10	,	,	PUNCT
easat-8176	335	11	"	"	PUNCT
easat-8176	335	12	factors	factor	NOUN
easat-8176	335	13	influencing	influence	VERB
easat-8176	335	14	the	the	DET
easat-8176	335	15	adoption	adoption	NOUN
easat-8176	335	16	of	of	ADP
easat-8176	335	17	mobile	mobile	ADJ
easat-8176	335	18	payment	payment	NOUN
easat-8176	335	19	method	method	NOUN
easat-8176	335	20	among	among	ADP
easat-8176	335	21	generation	generation	NOUN
easat-8176	335	22	z	z	NOUN
easat-8176	335	23	:	:	PUNCT
easat-8176	335	24	the	the	DET
easat-8176	335	25	extended	extended	ADJ
easat-8176	335	26	utaut	utaut	NOUN
easat-8176	335	27	approach	approach	NOUN
easat-8176	335	28	,	,	PUNCT
easat-8176	335	29	"	"	PUNCT
easat-8176	335	30	nur	nur	PROPN
easat-8176	335	31	,	,	PUNCT
easat-8176	335	32	t.	t.	NOUN
easat-8176	335	33	and	and	CCONJ
easat-8176	335	34	panggabean	panggabean	PROPN
easat-8176	335	35	,	,	PUNCT
easat-8176	335	36	rr	rr	NOUN
easat-8176	335	37	,	,	PUNCT
easat-8176	335	38	vol	vol	NOUN
easat-8176	335	39	.	.	PROPN
easat-8176	336	1	4	4	NUM
easat-8176	336	2	,	,	PUNCT
easat-8176	336	3	no	no	INTJ
easat-8176	336	4	.	.	NOUN
easat-8176	336	5	1	1	NUM
easat-8176	336	6	,	,	PUNCT
easat-8176	336	7	pp	pp	ADJ
easat-8176	336	8	.	.	PUNCT
easat-8176	337	1	14	14	NUM
easat-8176	337	2	-	-	SYM
easat-8176	337	3	28	28	NUM
easat-8176	337	4	,	,	PUNCT
easat-8176	337	5	2021	2021	NUM
easat-8176	337	6	.	.	PUNCT
easat-8176	338	1	https://doi.org/10.24815/jaroe.v4i1.19644	https://doi.org/10.24815/jaroe.v4i1.19644	NOUN
easat-8176	339	1	[	[	X
easat-8176	339	2	24	24	NUM
easat-8176	339	3	]	]	X
easat-8176	339	4	y.	y.	PROPN
easat-8176	339	5	zhong	zhong	PROPN
easat-8176	339	6	and	and	CCONJ
easat-8176	339	7	h.-c	h.-c	PROPN
easat-8176	339	8	.	.	PUNCT
easat-8176	340	1	moon	moon	PROPN
easat-8176	340	2	,	,	PUNCT
easat-8176	340	3	"	"	PUNCT
easat-8176	340	4	investigating	investigate	VERB
easat-8176	340	5	customer	customer	NOUN
easat-8176	340	6	behavior	behavior	NOUN
easat-8176	340	7	of	of	ADP
easat-8176	340	8	using	use	VERB
easat-8176	340	9	contactless	contactless	ADJ
easat-8176	340	10	payment	payment	NOUN
easat-8176	340	11	in	in	ADP
easat-8176	340	12	china	china	PROPN
easat-8176	340	13	:	:	PUNCT
easat-8176	340	14	a	a	DET
easat-8176	340	15	comparative	comparative	ADJ
easat-8176	340	16	study	study	NOUN
easat-8176	340	17	of	of	ADP
easat-8176	340	18	facial	facial	ADJ
easat-8176	340	19	recognition	recognition	NOUN
easat-8176	340	20	payment	payment	NOUN
easat-8176	340	21	and	and	CCONJ
easat-8176	340	22	mobile	mobile	ADJ
easat-8176	340	23	qr	qr	PROPN
easat-8176	340	24	-	-	PUNCT
easat-8176	340	25	code	code	NOUN
easat-8176	340	26	payment	payment	NOUN
easat-8176	340	27	,	,	PUNCT
easat-8176	340	28	"	"	PUNCT
easat-8176	340	29	sustainability	sustainability	NOUN
easat-8176	340	30	,	,	PUNCT
easat-8176	340	31	vol	vol	NOUN
easat-8176	340	32	.	.	PROPN
easat-8176	340	33	14	14	NUM
easat-8176	340	34	,	,	PUNCT
easat-8176	340	35	no	no	INTJ
easat-8176	340	36	.	.	NOUN
easat-8176	340	37	12	12	NUM
easat-8176	340	38	,	,	PUNCT
easat-8176	340	39	p.	p.	NOUN
easat-8176	340	40	7150	7150	NUM
easat-8176	340	41	,	,	PUNCT
easat-8176	340	42	2022	2022	NUM
easat-8176	340	43	.	.	PUNCT
easat-8176	341	1	https://doi.org/10.3390/su14127150	https://doi.org/10.3390/su14127150	X
easat-8176	342	1	[	[	X
easat-8176	342	2	25	25	NUM
easat-8176	342	3	]	]	PUNCT
easat-8176	342	4	a.	a.	NOUN
easat-8176	342	5	parasuraman	parasuraman	NOUN
easat-8176	342	6	,	,	PUNCT
easat-8176	342	7	"	"	PUNCT
easat-8176	342	8	technology	technology	NOUN
easat-8176	342	9	readiness	readiness	NOUN
easat-8176	342	10	index	index	NOUN
easat-8176	342	11	(	(	PUNCT
easat-8176	342	12	tri	tri	NOUN
easat-8176	342	13	)	)	PUNCT
easat-8176	342	14	a	a	DET
easat-8176	342	15	multiple	multiple	ADJ
easat-8176	342	16	-	-	PUNCT
easat-8176	342	17	item	item	NOUN
easat-8176	342	18	scale	scale	NOUN
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easat-8176	342	20	measure	measure	VERB
easat-8176	342	21	readiness	readiness	NOUN
easat-8176	342	22	to	to	PART
easat-8176	342	23	embrace	embrace	VERB
easat-8176	342	24	new	new	ADJ
easat-8176	342	25	technologies	technology	NOUN
easat-8176	342	26	,	,	PUNCT
easat-8176	342	27	"	"	PUNCT
easat-8176	342	28	journal	journal	NOUN
easat-8176	342	29	of	of	ADP
easat-8176	342	30	service	service	NOUN
easat-8176	342	31	research	research	NOUN
easat-8176	342	32	,	,	PUNCT
easat-8176	342	33	vol	vol	NOUN
easat-8176	342	34	.	.	PROPN
easat-8176	342	35	2	2	NUM
easat-8176	342	36	,	,	PUNCT
easat-8176	342	37	no	no	INTJ
easat-8176	342	38	.	.	NOUN
easat-8176	342	39	4	4	NUM
easat-8176	342	40	,	,	PUNCT
easat-8176	342	41	pp	pp	ADJ
easat-8176	342	42	.	.	PUNCT
easat-8176	343	1	307	307	NUM
easat-8176	343	2	-	-	SYM
easat-8176	343	3	320	320	NUM
easat-8176	343	4	,	,	PUNCT
easat-8176	343	5	2000	2000	NUM
easat-8176	343	6	.	.	PUNCT
easat-8176	344	1	https://doi.org/10.1177/109467050024001	https://doi.org/10.1177/109467050024001	X
easat-8176	345	1	[	[	X
easat-8176	345	2	26	26	NUM
easat-8176	345	3	]	]	PUNCT
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easat-8176	345	5	.	.	PUNCT
easat-8176	346	1	nguyen	nguyen	NOUN
easat-8176	346	2	,	,	PUNCT
easat-8176	346	3	"	"	PUNCT
easat-8176	346	4	investigating	investigate	VERB
easat-8176	346	5	mobile	mobile	ADJ
easat-8176	346	6	payment	payment	NOUN
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easat-8176	346	17	an	an	DET
easat-8176	346	18	imperative	imperative	ADJ
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easat-8176	346	21	"	"	PUNCT
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easat-8176	346	25	.	.	PROPN
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easat-8176	346	27	.	.	PUNCT
easat-8176	347	1	university	university	NOUN
easat-8176	347	2	library	library	NOUN
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easat-8176	347	5	,	,	PUNCT
easat-8176	347	6	germany	germany	PROPN
easat-8176	347	7	.	.	PUNCT
easat-8176	348	1	https://mpra.ub.unimuenchen.de/120556/	https://mpra.ub.unimuenchen.de/120556/	PROPN
easat-8176	348	2	,	,	PUNCT
easat-8176	348	3	2021	2021	NUM
easat-8176	348	4	.	.	PUNCT
easat-8176	349	1	[	[	X
easat-8176	349	2	27	27	NUM
easat-8176	349	3	]	]	PUNCT
easat-8176	349	4	a.	a.	NOUN
easat-8176	349	5	m.	m.	PROPN
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easat-8176	349	8	a.	a.	NOUN
easat-8176	349	9	a.	a.	NOUN
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easat-8176	349	11	,	,	PUNCT
easat-8176	349	12	n.	n.	PROPN
easat-8176	349	13	p.	p.	PROPN
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easat-8176	349	16	h.	h.	PROPN
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easat-8176	349	18	,	,	PUNCT
easat-8176	349	19	and	and	CCONJ
easat-8176	349	20	p.	p.	PROPN
easat-8176	349	21	patil	patil	PROPN
easat-8176	349	22	,	,	PUNCT
easat-8176	349	23	"	"	PUNCT
easat-8176	349	24	consumer	consumer	NOUN
easat-8176	349	25	use	use	NOUN
easat-8176	349	26	of	of	ADP
easat-8176	349	27	mobile	mobile	ADJ
easat-8176	349	28	banking	banking	NOUN
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easat-8176	349	30	m	m	NOUN
easat-8176	349	31	-	-	NOUN
easat-8176	349	32	banking	banking	NOUN
easat-8176	349	33	)	)	PUNCT
easat-8176	349	34	in	in	ADP
easat-8176	349	35	saudi	saudi	PROPN
easat-8176	349	36	arabia	arabia	PROPN
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easat-8176	349	39	an	an	DET
easat-8176	349	40	integrated	integrated	ADJ
easat-8176	349	41	model	model	NOUN
easat-8176	349	42	,	,	PUNCT
easat-8176	349	43	"	"	PUNCT
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easat-8176	349	45	journal	journal	NOUN
easat-8176	349	46	of	of	ADP
easat-8176	349	47	information	information	NOUN
easat-8176	349	48	management	management	NOUN
easat-8176	349	49	,	,	PUNCT
easat-8176	349	50	vol	vol	NOUN
easat-8176	349	51	.	.	PROPN
easat-8176	349	52	44	44	NUM
easat-8176	349	53	,	,	PUNCT
easat-8176	349	54	pp	pp	ADJ
easat-8176	349	55	.	.	PUNCT
easat-8176	350	1	38	38	NUM
easat-8176	350	2	-	-	SYM
easat-8176	350	3	52	52	NUM
easat-8176	350	4	,	,	PUNCT
easat-8176	350	5	2019	2019	NUM
easat-8176	350	6	.	.	PUNCT
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easat-8176	351	13	https://doi.org/10.2307/249008	https://doi.org/10.2307/249008	NOUN
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easat-8176	352	1	https://doi.org/10.3390/su151813961	https://doi.org/10.3390/su151813961	PROPN
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easat-8176	352	5	https://doi.org/10.1007/s10660-022-09537-9	https://doi.org/10.1007/s10660-022-09537-9	VERB
easat-8176	353	1	https://doi.org/10.24815/jaroe.v4i1.19644	https://doi.org/10.24815/jaroe.v4i1.19644	PROPN
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easat-8176	354	1	https://mpra.ub.uni-muenchen.de/120556/	https://mpra.ub.uni-muenchen.de/120556/	NOUN
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