id	sid	tid	token	lemma	pos
easat-8335	1	1	edelweiss	edelweiss	PROPN
easat-8335	1	2	applied	apply	VERB
easat-8335	1	3	science	science	NOUN
easat-8335	1	4	and	and	CCONJ
easat-8335	1	5	technology	technology	NOUN
easat-8335	1	6	issn	issn	PROPN
easat-8335	1	7	:	:	PUNCT
easat-8335	1	8	2576	2576	NUM
easat-8335	1	9	-	-	SYM
easat-8335	1	10	8484	8484	NUM
easat-8335	1	11	vol	vol	NOUN
easat-8335	1	12	.	.	PROPN
easat-8335	2	1	9	9	NUM
easat-8335	2	2	,	,	PUNCT
easat-8335	2	3	no	no	INTJ
easat-8335	2	4	.	.	NOUN
easat-8335	2	5	6	6	NUM
easat-8335	2	6	,	,	PUNCT
easat-8335	2	7	2191	2191	NUM
easat-8335	2	8	-	-	SYM
easat-8335	2	9	2202	2202	NUM
easat-8335	2	10	2025	2025	NUM
easat-8335	2	11	publisher	publisher	NOUN
easat-8335	2	12	:	:	PUNCT
easat-8335	2	13	learning	learn	VERB
easat-8335	2	14	gate	gate	NOUN
easat-8335	2	15	doi	doi	PROPN
easat-8335	2	16	:	:	PUNCT
easat-8335	2	17	10.55214/25768484.v9i6.8335	10.55214/25768484.v9i6.8335	NUM
easat-8335	2	18	©	©	PROPN
easat-8335	2	19	2025	2025	NUM
easat-8335	2	20	by	by	ADP
easat-8335	2	21	the	the	DET
easat-8335	2	22	authors	author	NOUN
easat-8335	2	23	;	;	PUNCT
easat-8335	2	24	licensee	licensee	PROPN
easat-8335	2	25	learning	learning	NOUN
easat-8335	2	26	gate	gate	NOUN
easat-8335	3	1	©	©	PROPN
easat-8335	3	2	2025	2025	NUM
easat-8335	3	3	by	by	ADP
easat-8335	3	4	the	the	DET
easat-8335	3	5	authors	author	NOUN
easat-8335	3	6	;	;	PUNCT
easat-8335	3	7	licensee	licensee	PROPN
easat-8335	3	8	learning	learning	NOUN
easat-8335	3	9	gate	gate	NOUN
easat-8335	3	10	history	history	NOUN
easat-8335	3	11	:	:	PUNCT
easat-8335	3	12	received	receive	VERB
easat-8335	3	13	:	:	PUNCT
easat-8335	3	14	3	3	NUM
easat-8335	3	15	april	april	PROPN
easat-8335	3	16	2025	2025	NUM
easat-8335	3	17	;	;	PUNCT
easat-8335	3	18	revised	revise	VERB
easat-8335	3	19	:	:	PUNCT
easat-8335	3	20	5	5	NUM
easat-8335	3	21	june	june	PROPN
easat-8335	3	22	2025	2025	NUM
easat-8335	3	23	;	;	PUNCT
easat-8335	3	24	accepted	accept	VERB
easat-8335	3	25	:	:	PUNCT
easat-8335	3	26	10	10	NUM
easat-8335	3	27	june	june	PROPN
easat-8335	3	28	2025	2025	NUM
easat-8335	3	29	;	;	PUNCT
easat-8335	3	30	published	publish	VERB
easat-8335	3	31	:	:	PUNCT
easat-8335	3	32	24	24	NUM
easat-8335	3	33	june	june	PROPN
easat-8335	3	34	2025	2025	NUM
easat-8335	3	35	*	*	PUNCT
easat-8335	3	36	correspondence	correspondence	NOUN
easat-8335	3	37	:	:	PUNCT
easat-8335	3	38	ziouachea@gmail.com	ziouachea@gmail.com	X
easat-8335	4	1	understanding	understand	VERB
easat-8335	4	2	e	e	NOUN
easat-8335	4	3	-	-	NOUN
easat-8335	4	4	payment	payment	NOUN
easat-8335	4	5	acceptance	acceptance	NOUN
easat-8335	4	6	in	in	ADP
easat-8335	4	7	algeria	algeria	PROPN
easat-8335	4	8	:	:	PUNCT
easat-8335	4	9	an	an	DET
easat-8335	4	10	extended	extended	ADJ
easat-8335	4	11	utaut	utaut	NOUN
easat-8335	4	12	approach	approach	NOUN
easat-8335	4	13	with	with	ADP
easat-8335	4	14	trust	trust	NOUN
easat-8335	4	15	as	as	ADP
easat-8335	4	16	mediator	mediator	NOUN
easat-8335	4	17	and	and	CCONJ
easat-8335	4	18	security	security	NOUN
easat-8335	4	19	as	as	ADP
easat-8335	4	20	moderator	moderator	NOUN
easat-8335	4	21	alaeddine	alaeddine	PROPN
easat-8335	4	22	ziouache*1	ziouache*1	NUM
easat-8335	4	23	,	,	PUNCT
easat-8335	4	24	amirul	amirul	PROPN
easat-8335	4	25	haqeem	haqeem	PROPN
easat-8335	4	26	bin	bin	PROPN
easat-8335	4	27	abd	abd	PROPN
easat-8335	4	28	ghani2	ghani2	PROPN
easat-8335	4	29	,	,	PUNCT
easat-8335	4	30	muhamad	muhamad	PROPN
easat-8335	4	31	abrar	abrar	PROPN
easat-8335	4	32	bin	bin	PROPN
easat-8335	4	33	bahaman3	bahaman3	PROPN
easat-8335	4	34	1,2,3islamic	1,2,3islamic	NUM
easat-8335	4	35	business	business	NOUN
easat-8335	4	36	school	school	NOUN
easat-8335	4	37	,	,	PUNCT
easat-8335	4	38	universiti	universiti	PROPN
easat-8335	4	39	utara	utara	PROPN
easat-8335	4	40	malaysia	malaysia	PROPN
easat-8335	4	41	;	;	PUNCT
easat-8335	4	42	ziouachea@gmail.com	ziouachea@gmail.com	X
easat-8335	4	43	(	(	PUNCT
easat-8335	4	44	a.z	a.z	PROPN
easat-8335	4	45	.	.	PROPN
easat-8335	4	46	)	)	PUNCT
easat-8335	4	47	haqeem@uum.edu.my	haqeem@uum.edu.my	PROPN
easat-8335	4	48	(	(	PUNCT
easat-8335	4	49	a.h.b.a.g	a.h.b.a.g	NOUN
easat-8335	4	50	.	.	PUNCT
easat-8335	4	51	)	)	PUNCT
easat-8335	5	1	muhamadabrar@uum.edu.my	muhamadabrar@uum.edu.my	INTJ
easat-8335	5	2	(	(	PUNCT
easat-8335	5	3	m.a.b.b	m.a.b.b	PROPN
easat-8335	5	4	.	.	PUNCT
easat-8335	5	5	)	)	PUNCT
easat-8335	6	1	abstract	abstract	NOUN
easat-8335	6	2	:	:	PUNCT
easat-8335	6	3	the	the	DET
easat-8335	6	4	acceptance	acceptance	NOUN
easat-8335	6	5	of	of	ADP
easat-8335	6	6	electronic	electronic	ADJ
easat-8335	6	7	payment	payment	NOUN
easat-8335	6	8	(	(	PUNCT
easat-8335	6	9	e	e	NOUN
easat-8335	6	10	-	-	NOUN
easat-8335	6	11	payment	payment	NOUN
easat-8335	6	12	)	)	PUNCT
easat-8335	6	13	systems	system	NOUN
easat-8335	6	14	is	be	AUX
easat-8335	6	15	crucial	crucial	ADJ
easat-8335	6	16	for	for	ADP
easat-8335	6	17	advancing	advance	VERB
easat-8335	6	18	digital	digital	ADJ
easat-8335	6	19	transformation	transformation	NOUN
easat-8335	6	20	and	and	CCONJ
easat-8335	6	21	financial	financial	ADJ
easat-8335	6	22	inclusion	inclusion	NOUN
easat-8335	6	23	,	,	PUNCT
easat-8335	6	24	especially	especially	ADV
easat-8335	6	25	in	in	ADP
easat-8335	6	26	emerging	emerge	VERB
easat-8335	6	27	countries	country	NOUN
easat-8335	6	28	like	like	ADP
easat-8335	6	29	algeria	algeria	PROPN
easat-8335	6	30	.	.	PUNCT
easat-8335	7	1	however	however	ADV
easat-8335	7	2	,	,	PUNCT
easat-8335	7	3	the	the	DET
easat-8335	7	4	acceptance	acceptance	NOUN
easat-8335	7	5	level	level	NOUN
easat-8335	7	6	remains	remain	VERB
easat-8335	7	7	very	very	ADV
easat-8335	7	8	low	low	ADJ
easat-8335	7	9	.	.	PUNCT
easat-8335	8	1	this	this	DET
easat-8335	8	2	study	study	NOUN
easat-8335	8	3	aims	aim	VERB
easat-8335	8	4	to	to	PART
easat-8335	8	5	examine	examine	VERB
easat-8335	8	6	the	the	DET
easat-8335	8	7	dual	dual	ADJ
easat-8335	8	8	influence	influence	NOUN
easat-8335	8	9	of	of	ADP
easat-8335	8	10	perceived	perceive	VERB
easat-8335	8	11	usefulness	usefulness	NOUN
easat-8335	8	12	(	(	PUNCT
easat-8335	8	13	pu	pu	PROPN
easat-8335	8	14	)	)	PUNCT
easat-8335	8	15	and	and	CCONJ
easat-8335	8	16	perceived	perceive	VERB
easat-8335	8	17	ease	ease	NOUN
easat-8335	8	18	of	of	ADP
easat-8335	8	19	use	use	NOUN
easat-8335	8	20	(	(	PUNCT
easat-8335	8	21	peou	peou	ADV
easat-8335	8	22	)	)	PUNCT
easat-8335	8	23	on	on	ADP
easat-8335	8	24	customers	customer	NOUN
easat-8335	8	25	'	'	PART
easat-8335	8	26	acceptance	acceptance	NOUN
easat-8335	8	27	of	of	ADP
easat-8335	8	28	e	e	NOUN
easat-8335	8	29	-	-	NOUN
easat-8335	8	30	payment	payment	NOUN
easat-8335	8	31	services	service	NOUN
easat-8335	8	32	in	in	ADP
easat-8335	8	33	algeria	algeria	PROPN
easat-8335	8	34	.	.	PUNCT
easat-8335	9	1	it	it	PRON
easat-8335	9	2	also	also	ADV
easat-8335	9	3	investigates	investigate	VERB
easat-8335	9	4	the	the	DET
easat-8335	9	5	mediating	mediate	VERB
easat-8335	9	6	role	role	NOUN
easat-8335	9	7	of	of	ADP
easat-8335	9	8	trust	trust	NOUN
easat-8335	9	9	and	and	CCONJ
easat-8335	9	10	the	the	DET
easat-8335	9	11	moderating	moderate	VERB
easat-8335	9	12	role	role	NOUN
easat-8335	9	13	of	of	ADP
easat-8335	9	14	security	security	NOUN
easat-8335	9	15	within	within	ADP
easat-8335	9	16	an	an	DET
easat-8335	9	17	extended	extended	ADJ
easat-8335	9	18	unified	unified	ADJ
easat-8335	9	19	theory	theory	NOUN
easat-8335	9	20	of	of	ADP
easat-8335	9	21	acceptance	acceptance	NOUN
easat-8335	9	22	and	and	CCONJ
easat-8335	9	23	use	use	NOUN
easat-8335	9	24	of	of	ADP
easat-8335	9	25	technology	technology	NOUN
easat-8335	9	26	(	(	PUNCT
easat-8335	9	27	utaut	utaut	NOUN
easat-8335	9	28	)	)	PUNCT
easat-8335	9	29	framework	framework	NOUN
easat-8335	9	30	.	.	PUNCT
easat-8335	10	1	a	a	DET
easat-8335	10	2	quantitative	quantitative	ADJ
easat-8335	10	3	method	method	NOUN
easat-8335	10	4	was	be	AUX
easat-8335	10	5	adopted	adopt	VERB
easat-8335	10	6	,	,	PUNCT
easat-8335	10	7	using	use	VERB
easat-8335	10	8	a	a	DET
easat-8335	10	9	structured	structured	ADJ
easat-8335	10	10	questionnaire	questionnaire	NOUN
easat-8335	10	11	to	to	PART
easat-8335	10	12	collect	collect	VERB
easat-8335	10	13	data	datum	NOUN
easat-8335	10	14	from	from	ADP
easat-8335	10	15	a	a	DET
easat-8335	10	16	representative	representative	ADJ
easat-8335	10	17	sample	sample	NOUN
easat-8335	10	18	of	of	ADP
easat-8335	10	19	algerian	algerian	ADJ
easat-8335	10	20	e	e	NOUN
easat-8335	10	21	-	-	NOUN
easat-8335	10	22	payment	payment	NOUN
easat-8335	10	23	users	user	NOUN
easat-8335	10	24	.	.	PUNCT
easat-8335	11	1	the	the	DET
easat-8335	11	2	study	study	NOUN
easat-8335	11	3	utilized	utilize	VERB
easat-8335	11	4	structural	structural	ADJ
easat-8335	11	5	equation	equation	NOUN
easat-8335	11	6	modeling	modeling	NOUN
easat-8335	11	7	(	(	PUNCT
easat-8335	11	8	sem	sem	NOUN
easat-8335	11	9	)	)	PUNCT
easat-8335	11	10	pls	pls	NOUN
easat-8335	11	11	4.0	4.0	NUM
easat-8335	11	12	to	to	PART
easat-8335	11	13	examine	examine	VERB
easat-8335	11	14	mediating	mediate	VERB
easat-8335	11	15	and	and	CCONJ
easat-8335	11	16	moderating	moderate	VERB
easat-8335	11	17	relationships	relationship	NOUN
easat-8335	11	18	among	among	ADP
easat-8335	11	19	the	the	DET
easat-8335	11	20	study	study	NOUN
easat-8335	11	21	variables	variable	NOUN
easat-8335	11	22	.	.	PUNCT
easat-8335	12	1	the	the	DET
easat-8335	12	2	results	result	NOUN
easat-8335	12	3	show	show	VERB
easat-8335	12	4	that	that	SCONJ
easat-8335	12	5	peou	peou	ADV
easat-8335	12	6	and	and	CCONJ
easat-8335	12	7	pu	pu	PROPN
easat-8335	12	8	have	have	VERB
easat-8335	12	9	a	a	DET
easat-8335	12	10	significant	significant	ADJ
easat-8335	12	11	influence	influence	NOUN
easat-8335	12	12	on	on	ADP
easat-8335	12	13	customers	customer	NOUN
easat-8335	12	14	'	'	PART
easat-8335	12	15	acceptance	acceptance	NOUN
easat-8335	12	16	of	of	ADP
easat-8335	12	17	e	e	NOUN
easat-8335	12	18	-	-	NOUN
easat-8335	12	19	payment	payment	NOUN
easat-8335	12	20	systems	system	NOUN
easat-8335	12	21	.	.	PUNCT
easat-8335	13	1	both	both	DET
easat-8335	13	2	relationships	relationship	NOUN
easat-8335	13	3	are	be	AUX
easat-8335	13	4	mediated	mediate	VERB
easat-8335	13	5	by	by	ADP
easat-8335	13	6	trust	trust	NOUN
easat-8335	13	7	,	,	PUNCT
easat-8335	13	8	illustrating	illustrate	VERB
easat-8335	13	9	the	the	DET
easat-8335	13	10	importance	importance	NOUN
easat-8335	13	11	of	of	ADP
easat-8335	13	12	trust	trust	NOUN
easat-8335	13	13	in	in	ADP
easat-8335	13	14	the	the	DET
easat-8335	13	15	acceptance	acceptance	NOUN
easat-8335	13	16	of	of	ADP
easat-8335	13	17	any	any	DET
easat-8335	13	18	technology	technology	NOUN
easat-8335	13	19	.	.	PUNCT
easat-8335	14	1	moreover	moreover	ADV
easat-8335	14	2	,	,	PUNCT
easat-8335	14	3	the	the	DET
easat-8335	14	4	security	security	NOUN
easat-8335	14	5	factor	factor	NOUN
easat-8335	14	6	has	have	VERB
easat-8335	14	7	no	no	DET
easat-8335	14	8	moderating	moderate	VERB
easat-8335	14	9	effect	effect	NOUN
easat-8335	14	10	.	.	PUNCT
easat-8335	15	1	this	this	DET
easat-8335	15	2	study	study	NOUN
easat-8335	15	3	highlights	highlight	VERB
easat-8335	15	4	the	the	DET
easat-8335	15	5	importance	importance	NOUN
easat-8335	15	6	of	of	ADP
easat-8335	15	7	developing	develop	VERB
easat-8335	15	8	security	security	NOUN
easat-8335	15	9	levels	level	NOUN
easat-8335	15	10	and	and	CCONJ
easat-8335	15	11	building	build	VERB
easat-8335	15	12	trust	trust	NOUN
easat-8335	15	13	to	to	PART
easat-8335	15	14	boost	boost	VERB
easat-8335	15	15	e	e	NOUN
easat-8335	15	16	-	-	NOUN
easat-8335	15	17	payment	payment	NOUN
easat-8335	15	18	acceptance	acceptance	NOUN
easat-8335	15	19	in	in	ADP
easat-8335	15	20	algeria	algeria	PROPN
easat-8335	15	21	.	.	PUNCT
easat-8335	16	1	the	the	DET
easat-8335	16	2	findings	finding	NOUN
easat-8335	16	3	offer	offer	VERB
easat-8335	16	4	practical	practical	ADJ
easat-8335	16	5	guidelines	guideline	NOUN
easat-8335	16	6	for	for	ADP
easat-8335	16	7	policymakers	policymaker	NOUN
easat-8335	16	8	and	and	CCONJ
easat-8335	16	9	banks	bank	NOUN
easat-8335	16	10	to	to	PART
easat-8335	16	11	enhance	enhance	VERB
easat-8335	16	12	electronic	electronic	ADJ
easat-8335	16	13	payment	payment	NOUN
easat-8335	16	14	methods	method	NOUN
easat-8335	16	15	.	.	PUNCT
easat-8335	17	1	keywords	keyword	NOUN
easat-8335	17	2	:	:	PUNCT
easat-8335	17	3	algeria	algeria	PROPN
easat-8335	17	4	,	,	PUNCT
easat-8335	17	5	e	e	NOUN
easat-8335	17	6	-	-	NOUN
easat-8335	17	7	payment	payment	NOUN
easat-8335	17	8	acceptance	acceptance	NOUN
easat-8335	17	9	,	,	PUNCT
easat-8335	17	10	perceived	perceive	VERB
easat-8335	17	11	ease	ease	NOUN
easat-8335	17	12	of	of	ADP
easat-8335	17	13	use	use	NOUN
easat-8335	17	14	,	,	PUNCT
easat-8335	17	15	perceived	perceive	VERB
easat-8335	17	16	usefulness	usefulness	NOUN
easat-8335	17	17	,	,	PUNCT
easat-8335	17	18	security	security	NOUN
easat-8335	17	19	,	,	PUNCT
easat-8335	17	20	trust	trust	NOUN
easat-8335	17	21	,	,	PUNCT
easat-8335	17	22	utaut	utaut	NOUN
easat-8335	17	23	.	.	PROPN
easat-8335	18	1	1	1	X
easat-8335	18	2	.	.	X
easat-8335	18	3	introduction	introduction	NOUN
easat-8335	18	4	the	the	DET
easat-8335	18	5	landscape	landscape	NOUN
easat-8335	18	6	of	of	ADP
easat-8335	18	7	international	international	ADJ
easat-8335	18	8	financial	financial	ADJ
easat-8335	18	9	transactions	transaction	NOUN
easat-8335	18	10	has	have	AUX
easat-8335	18	11	seen	see	VERB
easat-8335	18	12	a	a	DET
easat-8335	18	13	significant	significant	ADJ
easat-8335	18	14	shift	shift	NOUN
easat-8335	18	15	towards	towards	ADP
easat-8335	18	16	digitization	digitization	NOUN
easat-8335	18	17	in	in	ADP
easat-8335	18	18	recent	recent	ADJ
easat-8335	18	19	years	year	NOUN
easat-8335	18	20	.	.	PUNCT
easat-8335	19	1	this	this	DET
easat-8335	19	2	trend	trend	NOUN
easat-8335	19	3	has	have	AUX
easat-8335	19	4	also	also	ADV
easat-8335	19	5	been	be	AUX
easat-8335	19	6	adopted	adopt	VERB
easat-8335	19	7	by	by	ADP
easat-8335	19	8	algeria	algeria	PROPN
easat-8335	19	9	,	,	PUNCT
easat-8335	19	10	a	a	DET
easat-8335	19	11	nation	nation	NOUN
easat-8335	19	12	that	that	PRON
easat-8335	19	13	is	be	AUX
easat-8335	19	14	very	very	ADV
easat-8335	19	15	interested	interested	ADJ
easat-8335	19	16	in	in	ADP
easat-8335	19	17	technical	technical	ADJ
easat-8335	19	18	advancement	advancement	NOUN
easat-8335	19	19	.	.	PUNCT
easat-8335	20	1	e	e	X
easat-8335	20	2	-	-	NOUN
easat-8335	20	3	payment	payment	NOUN
easat-8335	20	4	systems	system	NOUN
easat-8335	20	5	,	,	PUNCT
easat-8335	20	6	which	which	PRON
easat-8335	20	7	include	include	VERB
easat-8335	20	8	a	a	DET
easat-8335	20	9	broad	broad	ADJ
easat-8335	20	10	variety	variety	NOUN
easat-8335	20	11	of	of	ADP
easat-8335	20	12	digital	digital	ADJ
easat-8335	20	13	financial	financial	ADJ
easat-8335	20	14	activities	activity	NOUN
easat-8335	20	15	,	,	PUNCT
easat-8335	20	16	have	have	AUX
easat-8335	20	17	grown	grow	VERB
easat-8335	20	18	in	in	ADP
easat-8335	20	19	popularity	popularity	NOUN
easat-8335	20	20	as	as	ADP
easat-8335	20	21	a	a	DET
easat-8335	20	22	practical	practical	ADJ
easat-8335	20	23	and	and	CCONJ
easat-8335	20	24	effective	effective	ADJ
easat-8335	20	25	substitute	substitute	NOUN
easat-8335	20	26	for	for	ADP
easat-8335	20	27	conventional	conventional	ADJ
easat-8335	20	28	cash	cash	NOUN
easat-8335	20	29	-	-	PUNCT
easat-8335	20	30	based	base	VERB
easat-8335	20	31	transactions	transaction	NOUN
easat-8335	20	32	.	.	PUNCT
easat-8335	21	1	like	like	INTJ
easat-8335	21	2	in	in	ADP
easat-8335	21	3	other	other	ADJ
easat-8335	21	4	nations	nation	NOUN
easat-8335	21	5	,	,	PUNCT
easat-8335	21	6	algeria	algeria	PROPN
easat-8335	21	7	's	's	PART
easat-8335	21	8	extensive	extensive	ADJ
easat-8335	21	9	adoption	adoption	NOUN
easat-8335	21	10	of	of	ADP
easat-8335	21	11	electronic	electronic	ADJ
easat-8335	21	12	payment	payment	NOUN
easat-8335	21	13	systems	system	NOUN
easat-8335	21	14	depends	depend	VERB
easat-8335	21	15	on	on	ADP
easat-8335	21	16	the	the	DET
easat-8335	21	17	crucial	crucial	ADJ
easat-8335	21	18	factors	factor	NOUN
easat-8335	21	19	of	of	ADP
easat-8335	21	20	perceived	perceive	VERB
easat-8335	21	21	security	security	NOUN
easat-8335	21	22	and	and	CCONJ
easat-8335	21	23	utility	utility	NOUN
easat-8335	21	24	[	[	X
easat-8335	21	25	1	1	NUM
easat-8335	21	26	]	]	PUNCT
easat-8335	21	27	.	.	PUNCT
easat-8335	22	1	in	in	ADP
easat-8335	22	2	2009	2009	NUM
easat-8335	22	3	,	,	PUNCT
easat-8335	22	4	algeria	algeria	PROPN
easat-8335	22	5	launched	launch	VERB
easat-8335	22	6	its	its	PRON
easat-8335	22	7	new	new	ADJ
easat-8335	22	8	cib	cib	NOUN
easat-8335	22	9	card	card	NOUN
easat-8335	22	10	e	e	NOUN
easat-8335	22	11	-	-	NOUN
easat-8335	22	12	payments	payment	NOUN
easat-8335	22	13	technology	technology	NOUN
easat-8335	22	14	,	,	PUNCT
easat-8335	22	15	enabling	enable	VERB
easat-8335	22	16	customers	customer	NOUN
easat-8335	22	17	to	to	PART
easat-8335	22	18	make	make	VERB
easat-8335	22	19	their	their	PRON
easat-8335	22	20	first	first	ADJ
easat-8335	22	21	electronic	electronic	ADJ
easat-8335	22	22	bill	bill	NOUN
easat-8335	22	23	payments	payment	NOUN
easat-8335	22	24	each	each	DET
easat-8335	22	25	month	month	NOUN
easat-8335	22	26	.	.	PUNCT
easat-8335	23	1	during	during	ADP
easat-8335	23	2	the	the	DET
easat-8335	23	3	first	first	ADJ
easat-8335	23	4	quarter	quarter	NOUN
easat-8335	23	5	of	of	ADP
easat-8335	23	6	2010	2010	NUM
easat-8335	23	7	,	,	PUNCT
easat-8335	23	8	over	over	SCONJ
easat-8335	23	9	621	621	NUM
easat-8335	23	10	atms	atms	NOUN
easat-8335	23	11	and	and	CCONJ
easat-8335	23	12	2,750	2,750	NUM
easat-8335	23	13	sales	sale	NOUN
easat-8335	23	14	outlets	outlet	NOUN
easat-8335	23	15	were	be	AUX
easat-8335	23	16	operational	operational	ADJ
easat-8335	23	17	and	and	CCONJ
easat-8335	23	18	656,833	656,833	NUM
easat-8335	23	19	cib	cib	PROPN
easat-8335	23	20	cards	card	NOUN
easat-8335	23	21	were	be	AUX
easat-8335	23	22	distributed	distribute	VERB
easat-8335	23	23	nationwide	nationwide	ADV
easat-8335	23	24	.	.	PUNCT
easat-8335	24	1	consequently	consequently	ADV
easat-8335	24	2	,	,	PUNCT
easat-8335	24	3	just	just	ADV
easat-8335	24	4	253586	253586	NUM
easat-8335	24	5	cib	cib	PROPN
easat-8335	24	6	cards	card	NOUN
easat-8335	24	7	were	be	AUX
easat-8335	24	8	used	use	VERB
easat-8335	24	9	to	to	PART
easat-8335	24	10	make	make	VERB
easat-8335	24	11	payments	payment	NOUN
easat-8335	24	12	in	in	ADP
easat-8335	24	13	2015	2015	NUM
easat-8335	24	14	.	.	PUNCT
easat-8335	25	1	therefore	therefore	ADV
easat-8335	25	2	,	,	PUNCT
easat-8335	25	3	the	the	DET
easat-8335	25	4	issue	issue	NOUN
easat-8335	25	5	shows	show	VERB
easat-8335	25	6	that	that	SCONJ
easat-8335	25	7	algerian	algerian	ADJ
easat-8335	25	8	consumers	consumer	NOUN
easat-8335	25	9	'	'	PART
easat-8335	25	10	banks	bank	NOUN
easat-8335	25	11	do	do	AUX
easat-8335	25	12	not	not	PART
easat-8335	25	13	accept	accept	VERB
easat-8335	25	14	electronic	electronic	ADJ
easat-8335	25	15	payments	payment	NOUN
easat-8335	25	16	[	[	X
easat-8335	25	17	2	2	NUM
easat-8335	25	18	]	]	PUNCT
easat-8335	25	19	.	.	PUNCT
easat-8335	26	1	according	accord	VERB
easat-8335	26	2	to	to	ADP
easat-8335	26	3	the	the	DET
easat-8335	26	4	statistics	statistic	NOUN
easat-8335	26	5	presented	present	VERB
easat-8335	26	6	by	by	ADP
easat-8335	26	7	bounefla	bounefla	NOUN
easat-8335	26	8	[	[	X
easat-8335	26	9	2	2	X
easat-8335	26	10	]	]	PUNCT
easat-8335	26	11	the	the	DET
easat-8335	26	12	algerian	algerian	ADJ
easat-8335	26	13	bank	bank	NOUN
easat-8335	26	14	clients	client	NOUN
easat-8335	26	15	have	have	AUX
easat-8335	26	16	restricted	restrict	VERB
easat-8335	26	17	access	access	NOUN
easat-8335	26	18	to	to	ADP
easat-8335	26	19	electronic	electronic	ADJ
easat-8335	26	20	payment	payment	NOUN
easat-8335	26	21	services	service	NOUN
easat-8335	26	22	including	include	VERB
easat-8335	26	23	credit	credit	NOUN
easat-8335	26	24	cards	card	NOUN
easat-8335	26	25	,	,	PUNCT
easat-8335	26	26	debit	debit	NOUN
easat-8335	26	27	cards	card	NOUN
easat-8335	26	28	,	,	PUNCT
easat-8335	26	29	and	and	CCONJ
easat-8335	26	30	online	online	ADJ
easat-8335	26	31	payments	payment	NOUN
easat-8335	26	32	.	.	PUNCT
easat-8335	27	1	in	in	ADP
easat-8335	27	2	addition	addition	NOUN
easat-8335	27	3	to	to	ADP
easat-8335	27	4	that	that	PRON
easat-8335	27	5	,	,	PUNCT
easat-8335	27	6	digital	digital	ADJ
easat-8335	27	7	financial	financial	ADJ
easat-8335	27	8	services	service	NOUN
easat-8335	27	9	adoption	adoption	NOUN
easat-8335	27	10	,	,	PUNCT
easat-8335	27	11	especially	especially	ADV
easat-8335	27	12	e	e	NOUN
easat-8335	27	13	-	-	NOUN
easat-8335	27	14	payment	payment	NOUN
easat-8335	27	15	technologies	technology	NOUN
easat-8335	27	16	,	,	PUNCT
easat-8335	27	17	has	have	AUX
easat-8335	27	18	emerged	emerge	VERB
easat-8335	27	19	as	as	ADP
easat-8335	27	20	a	a	DET
easat-8335	27	21	key	key	ADJ
easat-8335	27	22	component	component	NOUN
easat-8335	27	23	of	of	ADP
easat-8335	27	24	contemporary	contemporary	ADJ
easat-8335	27	25	banking	banking	NOUN
easat-8335	27	26	.	.	PUNCT
easat-8335	28	1	nevertheless	nevertheless	ADV
easat-8335	28	2	,	,	PUNCT
easat-8335	28	3	despite	despite	SCONJ
easat-8335	28	4	the	the	DET
easat-8335	28	5	quick	quick	ADJ
easat-8335	28	6	development	development	NOUN
easat-8335	28	7	of	of	ADP
easat-8335	28	8	financial	financial	ADJ
easat-8335	28	9	technology	technology	NOUN
easat-8335	28	10	,	,	PUNCT
easat-8335	28	11	e	e	NOUN
easat-8335	28	12	-	-	NOUN
easat-8335	28	13	payment	payment	NOUN
easat-8335	28	14	solutions	solution	NOUN
easat-8335	28	15	are	be	AUX
easat-8335	28	16	still	still	ADV
easat-8335	28	17	not	not	PART
easat-8335	28	18	widely	widely	ADV
easat-8335	28	19	accepted	accept	VERB
easat-8335	28	20	in	in	ADP
easat-8335	28	21	algeria	algeria	PROPN
easat-8335	28	22	[	[	X
easat-8335	28	23	3	3	NUM
easat-8335	28	24	]	]	PUNCT
easat-8335	28	25	.	.	PUNCT
easat-8335	29	1	within	within	ADP
easat-8335	29	2	the	the	DET
easat-8335	29	3	framework	framework	NOUN
easat-8335	29	4	of	of	ADP
easat-8335	29	5	the	the	DET
easat-8335	29	6	extended	extended	ADJ
easat-8335	29	7	unified	unified	ADJ
easat-8335	29	8	theory	theory	NOUN
easat-8335	29	9	of	of	ADP
easat-8335	29	10	acceptance	acceptance	NOUN
easat-8335	29	11	and	and	CCONJ
easat-8335	29	12	use	use	NOUN
easat-8335	29	13	of	of	ADP
easat-8335	29	14	technology	technology	NOUN
easat-8335	29	15	(	(	PUNCT
easat-8335	29	16	utaut	utaut	NOUN
easat-8335	29	17	)	)	PUNCT
easat-8335	29	18	,	,	PUNCT
easat-8335	29	19	this	this	DET
easat-8335	29	20	study	study	NOUN
easat-8335	29	21	examines	examine	VERB
easat-8335	29	22	the	the	DET
easat-8335	29	23	dual	dual	ADJ
easat-8335	29	24	influence	influence	NOUN
easat-8335	29	25	of	of	ADP
easat-8335	29	26	perceived	perceive	VERB
easat-8335	29	27	usefulness	usefulness	NOUN
easat-8335	29	28	(	(	PUNCT
easat-8335	29	29	pu	pu	PROPN
easat-8335	29	30	)	)	PUNCT
easat-8335	29	31	and	and	CCONJ
easat-8335	29	32	perceived	perceive	VERB
easat-8335	29	33	ease	ease	NOUN
easat-8335	29	34	of	of	ADP
easat-8335	29	35	use	use	NOUN
easat-8335	29	36	(	(	PUNCT
easat-8335	29	37	peu	peu	NOUN
easat-8335	29	38	)	)	PUNCT
easat-8335	29	39	on	on	ADP
easat-8335	29	40	clients	client	NOUN
easat-8335	29	41	'	'	PART
easat-8335	29	42	acceptance	acceptance	NOUN
easat-8335	29	43	of	of	ADP
easat-8335	29	44	epayment	epayment	NOUN
easat-8335	29	45	services	service	NOUN
easat-8335	29	46	,	,	PUNCT
easat-8335	29	47	highlighting	highlight	VERB
easat-8335	29	48	the	the	DET
easat-8335	29	49	moderating	moderate	VERB
easat-8335	29	50	role	role	NOUN
easat-8335	29	51	of	of	ADP
easat-8335	29	52	security	security	NOUN
easat-8335	29	53	and	and	CCONJ
easat-8335	29	54	the	the	DET
easat-8335	29	55	mediating	mediate	VERB
easat-8335	29	56	role	role	NOUN
easat-8335	29	57	of	of	ADP
easat-8335	29	58	trust	trust	NOUN
easat-8335	29	59	[	[	X
easat-8335	29	60	4	4	NUM
easat-8335	29	61	]	]	PUNCT
easat-8335	29	62	.	.	PUNCT
easat-8335	30	1	therefore	therefore	ADV
easat-8335	30	2	,	,	PUNCT
easat-8335	30	3	it	it	PRON
easat-8335	30	4	is	be	AUX
easat-8335	30	5	necessary	necessary	ADJ
easat-8335	30	6	to	to	PART
easat-8335	30	7	overcome	overcome	VERB
easat-8335	30	8	deeply	deeply	ADV
easat-8335	30	9	rooted	root	VERB
easat-8335	30	10	habits	habit	NOUN
easat-8335	30	11	and	and	CCONJ
easat-8335	30	12	anxieties	anxiety	NOUN
easat-8335	30	13	in	in	ADP
easat-8335	30	14	order	order	NOUN
easat-8335	30	15	to	to	PART
easat-8335	30	16	transition	transition	VERB
easat-8335	30	17	from	from	ADP
easat-8335	30	18	a	a	DET
easat-8335	30	19	https://orcid.org/0009-0004-2183-6373	https://orcid.org/0009-0004-2183-6373	PROPN
easat-8335	30	20	2192	2192	NUM
easat-8335	30	21	edelweiss	edelweiss	PROPN
easat-8335	30	22	applied	apply	VERB
easat-8335	30	23	science	science	NOUN
easat-8335	30	24	and	and	CCONJ
easat-8335	30	25	technology	technology	NOUN
easat-8335	30	26	issn	issn	PROPN
easat-8335	30	27	:	:	PUNCT
easat-8335	30	28	2576	2576	NUM
easat-8335	30	29	-	-	SYM
easat-8335	30	30	8484	8484	NUM
easat-8335	30	31	vol	vol	NOUN
easat-8335	30	32	.	.	PROPN
easat-8335	31	1	9	9	NUM
easat-8335	31	2	,	,	PUNCT
easat-8335	31	3	no	no	INTJ
easat-8335	31	4	.	.	NOUN
easat-8335	31	5	6	6	NUM
easat-8335	31	6	:	:	SYM
easat-8335	31	7	2191	2191	NUM
easat-8335	31	8	-	-	SYM
easat-8335	31	9	2202	2202	NUM
easat-8335	31	10	,	,	PUNCT
easat-8335	31	11	2025	2025	NUM
easat-8335	31	12	doi	doi	NOUN
easat-8335	31	13	:	:	PUNCT
easat-8335	32	1	10.55214/25768484.v9i6.8335	10.55214/25768484.v9i6.8335	NUM
easat-8335	32	2	©	©	PROPN
easat-8335	32	3	2025	2025	NUM
easat-8335	32	4	by	by	ADP
easat-8335	32	5	the	the	DET
easat-8335	32	6	authors	author	NOUN
easat-8335	32	7	;	;	PUNCT
easat-8335	32	8	licensee	licensee	PROPN
easat-8335	32	9	learning	learning	NOUN
easat-8335	32	10	gate	gate	VERB
easat-8335	32	11	financial	financial	ADJ
easat-8335	32	12	system	system	NOUN
easat-8335	32	13	that	that	PRON
easat-8335	32	14	is	be	AUX
easat-8335	32	15	mostly	mostly	ADV
easat-8335	32	16	dependent	dependent	ADJ
easat-8335	32	17	on	on	ADP
easat-8335	32	18	cash	cash	NOUN
easat-8335	32	19	to	to	ADP
easat-8335	32	20	one	one	NUM
easat-8335	32	21	that	that	PRON
easat-8335	32	22	uses	use	VERB
easat-8335	32	23	digital	digital	ADJ
easat-8335	32	24	transactions	transaction	NOUN
easat-8335	32	25	.	.	PUNCT
easat-8335	33	1	like	like	ADP
easat-8335	33	2	customers	customer	NOUN
easat-8335	33	3	in	in	ADP
easat-8335	33	4	other	other	ADJ
easat-8335	33	5	markets	market	NOUN
easat-8335	33	6	,	,	PUNCT
easat-8335	33	7	algerian	algerian	ADJ
easat-8335	33	8	consumers	consumer	NOUN
easat-8335	33	9	are	be	AUX
easat-8335	33	10	looking	look	VERB
easat-8335	33	11	for	for	ADP
easat-8335	33	12	solid	solid	ADJ
easat-8335	33	13	guarantees	guarantee	NOUN
easat-8335	33	14	about	about	ADP
easat-8335	33	15	the	the	DET
easat-8335	33	16	security	security	NOUN
easat-8335	33	17	,	,	PUNCT
easat-8335	33	18	privacy	privacy	NOUN
easat-8335	33	19	,	,	PUNCT
easat-8335	33	20	and	and	CCONJ
easat-8335	33	21	general	general	ADJ
easat-8335	33	22	dependability	dependability	NOUN
easat-8335	33	23	of	of	ADP
easat-8335	33	24	digital	digital	ADJ
easat-8335	33	25	payment	payment	NOUN
easat-8335	33	26	systems	system	NOUN
easat-8335	33	27	during	during	ADP
easat-8335	33	28	this	this	DET
easat-8335	33	29	shift	shift	NOUN
easat-8335	33	30	.	.	PUNCT
easat-8335	34	1	in	in	ADP
easat-8335	34	2	order	order	NOUN
easat-8335	34	3	to	to	PART
easat-8335	34	4	gain	gain	VERB
easat-8335	34	5	the	the	DET
easat-8335	34	6	trust	trust	NOUN
easat-8335	34	7	and	and	CCONJ
easat-8335	34	8	confidence	confidence	NOUN
easat-8335	34	9	of	of	ADP
easat-8335	34	10	customers	customer	NOUN
easat-8335	34	11	,	,	PUNCT
easat-8335	34	12	suppliers	supplier	NOUN
easat-8335	34	13	must	must	AUX
easat-8335	34	14	improve	improve	VERB
easat-8335	34	15	the	the	DET
easat-8335	34	16	perceived	perceive	VERB
easat-8335	34	17	usefulness	usefulness	NOUN
easat-8335	34	18	and	and	CCONJ
easat-8335	34	19	ease	ease	NOUN
easat-8335	34	20	of	of	ADP
easat-8335	34	21	use	use	NOUN
easat-8335	34	22	of	of	ADP
easat-8335	34	23	e	e	NOUN
easat-8335	34	24	-	-	NOUN
easat-8335	34	25	payment	payment	NOUN
easat-8335	34	26	services	service	NOUN
easat-8335	34	27	as	as	ADV
easat-8335	34	28	well	well	ADV
easat-8335	34	29	as	as	ADP
easat-8335	34	30	put	put	VERB
easat-8335	34	31	strong	strong	ADJ
easat-8335	34	32	security	security	NOUN
easat-8335	34	33	measures	measure	NOUN
easat-8335	34	34	in	in	ADP
easat-8335	34	35	place	place	NOUN
easat-8335	34	36	.	.	PUNCT
easat-8335	35	1	this	this	DET
easat-8335	35	2	study	study	NOUN
easat-8335	35	3	builds	build	VERB
easat-8335	35	4	on	on	ADP
easat-8335	35	5	the	the	DET
easat-8335	35	6	utaut	utaut	PROPN
easat-8335	35	7	model	model	NOUN
easat-8335	35	8	by	by	ADP
easat-8335	35	9	incorporating	incorporate	VERB
easat-8335	35	10	trust	trust	NOUN
easat-8335	35	11	as	as	ADP
easat-8335	35	12	a	a	DET
easat-8335	35	13	mediator	mediator	NOUN
easat-8335	35	14	,	,	PUNCT
easat-8335	35	15	acknowledging	acknowledge	VERB
easat-8335	35	16	its	its	PRON
easat-8335	35	17	crucial	crucial	ADJ
easat-8335	35	18	role	role	NOUN
easat-8335	35	19	in	in	ADP
easat-8335	35	20	promoting	promote	VERB
easat-8335	35	21	consumer	consumer	NOUN
easat-8335	35	22	confidence	confidence	NOUN
easat-8335	35	23	in	in	ADP
easat-8335	35	24	the	the	DET
easat-8335	35	25	adoption	adoption	NOUN
easat-8335	35	26	of	of	ADP
easat-8335	35	27	e	e	NOUN
easat-8335	35	28	-	-	NOUN
easat-8335	35	29	payments	payment	NOUN
easat-8335	35	30	.	.	PUNCT
easat-8335	36	1	according	accord	VERB
easat-8335	36	2	to	to	ADP
easat-8335	36	3	gefen	gefen	NOUN
easat-8335	36	4	,	,	PUNCT
easat-8335	36	5	et	et	PROPN
easat-8335	36	6	al	al	PROPN
easat-8335	36	7	.	.	PUNCT
easat-8335	37	1	[	[	X
easat-8335	37	2	5	5	NUM
easat-8335	37	3	]	]	PUNCT
easat-8335	37	4	trust	trust	NOUN
easat-8335	37	5	serves	serve	VERB
easat-8335	37	6	as	as	ADP
easat-8335	37	7	a	a	DET
easat-8335	37	8	link	link	NOUN
easat-8335	37	9	between	between	ADP
easat-8335	37	10	pu	pu	PROPN
easat-8335	37	11	,	,	PUNCT
easat-8335	37	12	peu	peu	PROPN
easat-8335	37	13	,	,	PUNCT
easat-8335	37	14	and	and	CCONJ
easat-8335	37	15	customers	customer	NOUN
easat-8335	37	16	'	'	PART
easat-8335	37	17	willingness	willingness	NOUN
easat-8335	37	18	to	to	PART
easat-8335	37	19	participate	participate	VERB
easat-8335	37	20	in	in	ADP
easat-8335	37	21	online	online	ADJ
easat-8335	37	22	financial	financial	ADJ
easat-8335	37	23	transactions	transaction	NOUN
easat-8335	37	24	.	.	PUNCT
easat-8335	38	1	security	security	NOUN
easat-8335	38	2	is	be	AUX
easat-8335	38	3	added	add	VERB
easat-8335	38	4	as	as	ADP
easat-8335	38	5	a	a	DET
easat-8335	38	6	moderator	moderator	NOUN
easat-8335	38	7	,	,	PUNCT
easat-8335	38	8	affecting	affect	VERB
easat-8335	38	9	the	the	DET
easat-8335	38	10	strength	strength	NOUN
easat-8335	38	11	of	of	ADP
easat-8335	38	12	these	these	DET
easat-8335	38	13	interactions	interaction	NOUN
easat-8335	38	14	,	,	PUNCT
easat-8335	38	15	given	give	VERB
easat-8335	38	16	algeria	algeria	PROPN
easat-8335	38	17	's	's	PART
easat-8335	38	18	uncertainty	uncertainty	NOUN
easat-8335	38	19	over	over	ADP
easat-8335	38	20	the	the	DET
easat-8335	38	21	security	security	NOUN
easat-8335	38	22	of	of	ADP
easat-8335	38	23	e	e	NOUN
easat-8335	38	24	-	-	NOUN
easat-8335	38	25	payments	payment	NOUN
easat-8335	38	26	.	.	PUNCT
easat-8335	39	1	customers	customer	NOUN
easat-8335	39	2	'	'	PART
easat-8335	39	3	opinions	opinion	NOUN
easat-8335	39	4	on	on	ADP
easat-8335	39	5	the	the	DET
easat-8335	39	6	use	use	NOUN
easat-8335	39	7	of	of	ADP
easat-8335	39	8	e	e	NOUN
easat-8335	39	9	-	-	NOUN
easat-8335	39	10	payments	payment	NOUN
easat-8335	39	11	are	be	AUX
easat-8335	39	12	greatly	greatly	ADV
easat-8335	39	13	influenced	influence	VERB
easat-8335	39	14	by	by	ADP
easat-8335	39	15	security	security	NOUN
easat-8335	39	16	issues	issue	NOUN
easat-8335	39	17	,	,	PUNCT
easat-8335	39	18	including	include	VERB
easat-8335	39	19	data	data	NOUN
easat-8335	39	20	protection	protection	NOUN
easat-8335	39	21	,	,	PUNCT
easat-8335	39	22	fraud	fraud	NOUN
easat-8335	39	23	prevention	prevention	NOUN
easat-8335	39	24	,	,	PUNCT
easat-8335	39	25	and	and	CCONJ
easat-8335	39	26	cybersecurity	cybersecurity	NOUN
easat-8335	39	27	risks	risk	NOUN
easat-8335	39	28	[	[	X
easat-8335	39	29	6	6	NUM
easat-8335	39	30	]	]	PUNCT
easat-8335	39	31	.	.	PUNCT
easat-8335	40	1	this	this	DET
easat-8335	40	2	study	study	NOUN
easat-8335	40	3	offers	offer	VERB
easat-8335	40	4	important	important	ADJ
easat-8335	40	5	insights	insight	NOUN
easat-8335	40	6	into	into	ADP
easat-8335	40	7	the	the	DET
easat-8335	40	8	particular	particular	ADJ
easat-8335	40	9	obstacles	obstacle	NOUN
easat-8335	40	10	and	and	CCONJ
easat-8335	40	11	facilitators	facilitator	NOUN
easat-8335	40	12	influencing	influence	VERB
easat-8335	40	13	the	the	DET
easat-8335	40	14	broad	broad	ADJ
easat-8335	40	15	adoption	adoption	NOUN
easat-8335	40	16	of	of	ADP
easat-8335	40	17	e	e	NOUN
easat-8335	40	18	-	-	NOUN
easat-8335	40	19	payment	payment	NOUN
easat-8335	40	20	systems	system	NOUN
easat-8335	40	21	by	by	ADP
easat-8335	40	22	analyzing	analyze	VERB
easat-8335	40	23	these	these	DET
easat-8335	40	24	elements	element	NOUN
easat-8335	40	25	in	in	ADP
easat-8335	40	26	the	the	DET
easat-8335	40	27	algerian	algerian	ADJ
easat-8335	40	28	context	context	NOUN
easat-8335	40	29	.	.	PUNCT
easat-8335	41	1	therefore	therefore	ADV
easat-8335	41	2	,	,	PUNCT
easat-8335	41	3	the	the	DET
easat-8335	41	4	goal	goal	NOUN
easat-8335	41	5	of	of	ADP
easat-8335	41	6	this	this	DET
easat-8335	41	7	paper	paper	NOUN
easat-8335	41	8	is	be	AUX
easat-8335	41	9	to	to	PART
easat-8335	41	10	enhance	enhance	VERB
easat-8335	41	11	earlier	early	ADJ
easat-8335	41	12	research	research	NOUN
easat-8335	41	13	by	by	ADP
easat-8335	41	14	introducing	introduce	VERB
easat-8335	41	15	a	a	DET
easat-8335	41	16	framework	framework	NOUN
easat-8335	41	17	that	that	PRON
easat-8335	41	18	consists	consist	VERB
easat-8335	41	19	of	of	ADP
easat-8335	41	20	multiple	multiple	ADJ
easat-8335	41	21	elements	element	NOUN
easat-8335	41	22	that	that	PRON
easat-8335	41	23	facilitate	facilitate	VERB
easat-8335	41	24	a	a	DET
easat-8335	41	25	better	well	ADJ
easat-8335	41	26	understanding	understanding	NOUN
easat-8335	41	27	of	of	ADP
easat-8335	41	28	acceptance	acceptance	NOUN
easat-8335	41	29	with	with	ADP
easat-8335	41	30	respect	respect	NOUN
easat-8335	41	31	to	to	ADP
easat-8335	41	32	electronic	electronic	ADJ
easat-8335	41	33	payments	payment	NOUN
easat-8335	41	34	.	.	PUNCT
easat-8335	42	1	additionally	additionally	ADV
easat-8335	42	2	,	,	PUNCT
easat-8335	42	3	it	it	PRON
easat-8335	42	4	proposes	propose	VERB
easat-8335	42	5	a	a	DET
easat-8335	42	6	comprehensive	comprehensive	ADJ
easat-8335	42	7	framework	framework	NOUN
easat-8335	42	8	that	that	PRON
easat-8335	42	9	uses	use	VERB
easat-8335	42	10	the	the	DET
easat-8335	42	11	unified	unified	ADJ
easat-8335	42	12	theory	theory	NOUN
easat-8335	42	13	of	of	ADP
easat-8335	42	14	acceptance	acceptance	NOUN
easat-8335	42	15	and	and	CCONJ
easat-8335	42	16	use	use	NOUN
easat-8335	42	17	of	of	ADP
easat-8335	42	18	technology	technology	NOUN
easat-8335	42	19	(	(	PUNCT
easat-8335	42	20	utaut	utaut	NOUN
easat-8335	42	21	)	)	PUNCT
easat-8335	42	22	to	to	PART
easat-8335	42	23	incorporate	incorporate	VERB
easat-8335	42	24	the	the	DET
easat-8335	42	25	interplay	interplay	NOUN
easat-8335	42	26	between	between	ADP
easat-8335	42	27	customer	customer	NOUN
easat-8335	42	28	acceptance	acceptance	NOUN
easat-8335	42	29	of	of	ADP
easat-8335	42	30	electronic	electronic	ADJ
easat-8335	42	31	payment	payment	NOUN
easat-8335	42	32	systems	system	NOUN
easat-8335	42	33	and	and	CCONJ
easat-8335	42	34	perceived	perceive	VERB
easat-8335	42	35	usefulness	usefulness	NOUN
easat-8335	42	36	,	,	PUNCT
easat-8335	42	37	perceived	perceive	VERB
easat-8335	42	38	ease	ease	NOUN
easat-8335	42	39	of	of	ADP
easat-8335	42	40	use	use	NOUN
easat-8335	42	41	,	,	PUNCT
easat-8335	42	42	trust	trust	NOUN
easat-8335	42	43	,	,	PUNCT
easat-8335	42	44	and	and	CCONJ
easat-8335	42	45	security	security	NOUN
easat-8335	42	46	.	.	PUNCT
easat-8335	43	1	2	2	X
easat-8335	43	2	.	.	X
easat-8335	43	3	literature	literature	NOUN
easat-8335	43	4	review	review	VERB
easat-8335	43	5	2.1	2.1	NUM
easat-8335	43	6	.	.	PUNCT
easat-8335	44	1	electronic	electronic	ADJ
easat-8335	44	2	payment	payment	NOUN
easat-8335	44	3	system	system	NOUN
easat-8335	44	4	the	the	DET
easat-8335	44	5	federal	federal	PROPN
easat-8335	44	6	reserve	reserve	PROPN
easat-8335	44	7	bank	bank	PROPN
easat-8335	44	8	began	begin	VERB
easat-8335	44	9	using	use	VERB
easat-8335	44	10	telegraphs	telegraphs	NOUN
easat-8335	44	11	for	for	ADP
easat-8335	44	12	money	money	NOUN
easat-8335	44	13	transfers	transfer	NOUN
easat-8335	44	14	in	in	ADP
easat-8335	44	15	the	the	DET
easat-8335	44	16	united	united	PROPN
easat-8335	44	17	states	states	PROPN
easat-8335	44	18	in	in	ADP
easat-8335	44	19	1918	1918	NUM
easat-8335	44	20	,	,	PUNCT
easat-8335	44	21	marking	mark	VERB
easat-8335	44	22	the	the	DET
easat-8335	44	23	beginning	beginning	NOUN
easat-8335	44	24	of	of	ADP
easat-8335	44	25	the	the	DET
easat-8335	44	26	history	history	NOUN
easat-8335	44	27	of	of	ADP
easat-8335	44	28	electronic	electronic	ADJ
easat-8335	44	29	payments	payment	NOUN
easat-8335	44	30	,	,	PUNCT
easat-8335	44	31	or	or	CCONJ
easat-8335	44	32	e	e	NOUN
easat-8335	44	33	-	-	NOUN
easat-8335	44	34	payments	payment	NOUN
easat-8335	44	35	.	.	PUNCT
easat-8335	45	1	electronic	electronic	ADJ
easat-8335	45	2	fund	fund	NOUN
easat-8335	45	3	transfers	transfer	NOUN
easat-8335	45	4	were	be	AUX
easat-8335	45	5	not	not	PART
easat-8335	45	6	often	often	ADV
easat-8335	45	7	used	use	VERB
easat-8335	45	8	prior	prior	ADV
easat-8335	45	9	to	to	ADP
easat-8335	45	10	the	the	DET
easat-8335	45	11	automated	automate	VERB
easat-8335	45	12	clearing	clearing	NOUN
easat-8335	45	13	house	house	NOUN
easat-8335	45	14	(	(	PUNCT
easat-8335	45	15	ach	ach	PROPN
easat-8335	45	16	)	)	PUNCT
easat-8335	45	17	being	be	AUX
easat-8335	45	18	established	establish	VERB
easat-8335	45	19	in	in	ADP
easat-8335	45	20	1972	1972	NUM
easat-8335	45	21	.	.	PUNCT
easat-8335	46	1	by	by	ADP
easat-8335	46	2	offering	offer	VERB
easat-8335	46	3	an	an	DET
easat-8335	46	4	alternative	alternative	NOUN
easat-8335	46	5	to	to	ADP
easat-8335	46	6	conventional	conventional	ADJ
easat-8335	46	7	check	check	NOUN
easat-8335	46	8	-	-	PUNCT
easat-8335	46	9	based	base	VERB
easat-8335	46	10	transactions	transaction	NOUN
easat-8335	46	11	,	,	PUNCT
easat-8335	46	12	the	the	DET
easat-8335	46	13	ach	ach	NOUN
easat-8335	46	14	system	system	NOUN
easat-8335	46	15	greatly	greatly	ADV
easat-8335	46	16	increased	increase	VERB
easat-8335	46	17	the	the	DET
easat-8335	46	18	efficiency	efficiency	NOUN
easat-8335	46	19	of	of	ADP
easat-8335	46	20	payments	payment	NOUN
easat-8335	46	21	[	[	X
easat-8335	46	22	7	7	NUM
easat-8335	46	23	]	]	PUNCT
easat-8335	46	24	.	.	PUNCT
easat-8335	47	1	an	an	DET
easat-8335	47	2	essential	essential	ADJ
easat-8335	47	3	component	component	NOUN
easat-8335	47	4	of	of	ADP
easat-8335	47	5	electronic	electronic	ADJ
easat-8335	47	6	payments	payment	NOUN
easat-8335	47	7	,	,	PUNCT
easat-8335	47	8	the	the	DET
easat-8335	47	9	credit	credit	NOUN
easat-8335	47	10	card	card	NOUN
easat-8335	47	11	industry	industry	NOUN
easat-8335	47	12	began	begin	VERB
easat-8335	47	13	in	in	ADP
easat-8335	47	14	1914	1914	NUM
easat-8335	47	15	when	when	SCONJ
easat-8335	47	16	hotels	hotel	NOUN
easat-8335	47	17	,	,	PUNCT
easat-8335	47	18	shopping	shopping	NOUN
easat-8335	47	19	malls	mall	NOUN
easat-8335	47	20	,	,	PUNCT
easat-8335	47	21	oil	oil	NOUN
easat-8335	47	22	companies	company	NOUN
easat-8335	47	23	,	,	PUNCT
easat-8335	47	24	and	and	CCONJ
easat-8335	47	25	western	western	ADJ
easat-8335	47	26	union	union	NOUN
easat-8335	47	27	began	begin	VERB
easat-8335	47	28	issuing	issue	VERB
easat-8335	47	29	cards	card	NOUN
easat-8335	47	30	for	for	ADP
easat-8335	47	31	consumer	consumer	NOUN
easat-8335	47	32	transactions	transaction	NOUN
easat-8335	47	33	.	.	PUNCT
easat-8335	48	1	credit	credit	NOUN
easat-8335	48	2	card	card	NOUN
easat-8335	48	3	use	use	NOUN
easat-8335	48	4	increased	increase	VERB
easat-8335	48	5	throughout	throughout	ADP
easat-8335	48	6	the	the	DET
easat-8335	48	7	ensuing	ensue	VERB
easat-8335	48	8	decades	decade	NOUN
easat-8335	48	9	,	,	PUNCT
easat-8335	48	10	especially	especially	ADV
easat-8335	48	11	in	in	ADP
easat-8335	48	12	the	the	DET
easat-8335	48	13	retail	retail	ADJ
easat-8335	48	14	and	and	CCONJ
easat-8335	48	15	transportation	transportation	NOUN
easat-8335	48	16	industries	industry	NOUN
easat-8335	48	17	[	[	X
easat-8335	48	18	8	8	NUM
easat-8335	48	19	]	]	PUNCT
easat-8335	48	20	.	.	PUNCT
easat-8335	49	1	before	before	ADP
easat-8335	49	2	being	be	AUX
easat-8335	49	3	completely	completely	ADV
easat-8335	49	4	digitalized	digitalize	VERB
easat-8335	49	5	in	in	ADP
easat-8335	49	6	the	the	DET
easat-8335	49	7	1990s	1990	NOUN
easat-8335	49	8	,	,	PUNCT
easat-8335	49	9	credit	credit	NOUN
easat-8335	49	10	card	card	NOUN
easat-8335	49	11	transactions	transaction	NOUN
easat-8335	49	12	were	be	AUX
easat-8335	49	13	conducted	conduct	VERB
easat-8335	49	14	on	on	ADP
easat-8335	49	15	paper	paper	NOUN
easat-8335	49	16	.	.	PUNCT
easat-8335	50	1	this	this	PRON
easat-8335	50	2	led	lead	VERB
easat-8335	50	3	to	to	ADP
easat-8335	50	4	the	the	DET
easat-8335	50	5	widespread	widespread	ADJ
easat-8335	50	6	use	use	NOUN
easat-8335	50	7	of	of	ADP
easat-8335	50	8	credit	credit	NOUN
easat-8335	50	9	and	and	CCONJ
easat-8335	50	10	debit	debit	NOUN
easat-8335	50	11	cards	card	NOUN
easat-8335	50	12	for	for	ADP
easat-8335	50	13	international	international	ADJ
easat-8335	50	14	financial	financial	ADJ
easat-8335	50	15	transactions	transaction	NOUN
easat-8335	50	16	[	[	X
easat-8335	50	17	8	8	NUM
easat-8335	50	18	,	,	PUNCT
easat-8335	50	19	9	9	NUM
easat-8335	50	20	]	]	PUNCT
easat-8335	50	21	.	.	PUNCT
easat-8335	51	1	compared	compare	VERB
easat-8335	51	2	to	to	ADP
easat-8335	51	3	traditional	traditional	ADJ
easat-8335	51	4	payment	payment	NOUN
easat-8335	51	5	methods	method	NOUN
easat-8335	51	6	,	,	PUNCT
easat-8335	51	7	electronic	electronic	ADJ
easat-8335	51	8	payment	payment	NOUN
easat-8335	51	9	systems	system	NOUN
easat-8335	51	10	(	(	PUNCT
easat-8335	51	11	eps	eps	PROPN
easat-8335	51	12	)	)	PUNCT
easat-8335	51	13	have	have	AUX
easat-8335	51	14	undergone	undergo	VERB
easat-8335	51	15	tremendous	tremendous	ADJ
easat-8335	51	16	evolution	evolution	NOUN
easat-8335	51	17	.	.	PUNCT
easat-8335	52	1	the	the	DET
easat-8335	52	2	main	main	ADJ
easat-8335	52	3	difference	difference	NOUN
easat-8335	52	4	is	be	AUX
easat-8335	52	5	that	that	SCONJ
easat-8335	52	6	eps	eps	PROPN
easat-8335	52	7	is	be	AUX
easat-8335	52	8	digital	digital	ADJ
easat-8335	52	9	,	,	PUNCT
easat-8335	52	10	meaning	mean	VERB
easat-8335	52	11	that	that	SCONJ
easat-8335	52	12	transactions	transaction	NOUN
easat-8335	52	13	take	take	VERB
easat-8335	52	14	place	place	NOUN
easat-8335	52	15	online	online	ADV
easat-8335	52	16	.	.	PUNCT
easat-8335	53	1	e	e	X
easat-8335	53	2	-	-	NOUN
easat-8335	53	3	payment	payment	NOUN
easat-8335	53	4	is	be	AUX
easat-8335	53	5	defined	define	VERB
easat-8335	53	6	as	as	ADP
easat-8335	53	7	"	"	PUNCT
easat-8335	53	8	fulfilling	fulfil	VERB
easat-8335	53	9	a	a	DET
easat-8335	53	10	monetary	monetary	ADJ
easat-8335	53	11	obligation	obligation	NOUN
easat-8335	53	12	through	through	ADP
easat-8335	53	13	electronic	electronic	ADJ
easat-8335	53	14	instruments	instrument	NOUN
easat-8335	53	15	such	such	ADJ
easat-8335	53	16	as	as	ADP
easat-8335	53	17	electronic	electronic	ADJ
easat-8335	53	18	checks	check	NOUN
easat-8335	53	19	and	and	CCONJ
easat-8335	53	20	magnetic	magnetic	ADJ
easat-8335	53	21	cards	card	NOUN
easat-8335	53	22	,	,	PUNCT
easat-8335	53	23	including	include	VERB
easat-8335	53	24	debit	debit	NOUN
easat-8335	53	25	and	and	CCONJ
easat-8335	53	26	credit	credit	NOUN
easat-8335	53	27	cards	card	NOUN
easat-8335	53	28	"	"	PUNCT
easat-8335	53	29	under	under	ADP
easat-8335	53	30	the	the	DET
easat-8335	53	31	egyptian	egyptian	ADJ
easat-8335	53	32	electronic	electronic	ADJ
easat-8335	53	33	exchange	exchange	NOUN
easat-8335	53	34	law	law	NOUN
easat-8335	54	1	[	[	X
easat-8335	54	2	1	1	NUM
easat-8335	54	3	]	]	PUNCT
easat-8335	54	4	.	.	PUNCT
easat-8335	55	1	efficient	efficient	ADJ
easat-8335	55	2	local	local	ADJ
easat-8335	55	3	and	and	CCONJ
easat-8335	55	4	international	international	ADJ
easat-8335	55	5	financial	financial	ADJ
easat-8335	55	6	transactions	transaction	NOUN
easat-8335	55	7	are	be	AUX
easat-8335	55	8	made	make	VERB
easat-8335	55	9	possible	possible	ADJ
easat-8335	55	10	by	by	ADP
easat-8335	55	11	eps	eps	PROPN
easat-8335	55	12	for	for	ADP
easat-8335	55	13	banks	bank	NOUN
easat-8335	55	14	,	,	PUNCT
easat-8335	55	15	businesses	business	NOUN
easat-8335	55	16	,	,	PUNCT
easat-8335	55	17	and	and	CCONJ
easat-8335	55	18	people	people	NOUN
easat-8335	55	19	.	.	PUNCT
easat-8335	56	1	eps	eps	PROPN
easat-8335	56	2	is	be	AUX
easat-8335	56	3	currently	currently	ADV
easat-8335	56	4	a	a	DET
easat-8335	56	5	crucial	crucial	ADJ
easat-8335	56	6	part	part	NOUN
easat-8335	56	7	of	of	ADP
easat-8335	56	8	contemporary	contemporary	ADJ
easat-8335	56	9	banking	banking	NOUN
easat-8335	56	10	systems	system	NOUN
easat-8335	56	11	due	due	ADP
easat-8335	56	12	to	to	ADP
easat-8335	56	13	the	the	DET
easat-8335	56	14	growing	grow	VERB
easat-8335	56	15	digitization	digitization	NOUN
easat-8335	56	16	of	of	ADP
easat-8335	56	17	financial	financial	ADJ
easat-8335	56	18	services	service	NOUN
easat-8335	56	19	[	[	X
easat-8335	56	20	10	10	NUM
easat-8335	56	21	]	]	PUNCT
easat-8335	56	22	.	.	PUNCT
easat-8335	57	1	therefore	therefore	ADV
easat-8335	57	2	,	,	PUNCT
easat-8335	57	3	electronic	electronic	ADJ
easat-8335	57	4	payment	payment	NOUN
easat-8335	57	5	systems	system	NOUN
easat-8335	57	6	are	be	AUX
easat-8335	57	7	essential	essential	ADJ
easat-8335	57	8	for	for	ADP
easat-8335	57	9	improving	improve	VERB
easat-8335	57	10	customer	customer	NOUN
easat-8335	57	11	experience	experience	NOUN
easat-8335	57	12	,	,	PUNCT
easat-8335	57	13	expanding	expand	VERB
easat-8335	57	14	financial	financial	ADJ
easat-8335	57	15	inclusion	inclusion	NOUN
easat-8335	57	16	,	,	PUNCT
easat-8335	57	17	and	and	CCONJ
easat-8335	57	18	modernizing	modernize	VERB
easat-8335	57	19	banking	banking	NOUN
easat-8335	57	20	services	service	NOUN
easat-8335	57	21	.	.	PUNCT
easat-8335	58	1	2.2	2.2	NUM
easat-8335	58	2	.	.	PUNCT
easat-8335	58	3	development	development	NOUN
easat-8335	58	4	of	of	ADP
easat-8335	58	5	e	e	NOUN
easat-8335	58	6	-	-	NOUN
easat-8335	58	7	payment	payment	NOUN
easat-8335	58	8	in	in	ADP
easat-8335	58	9	algeria	algeria	PROPN
easat-8335	58	10	algeria	algeria	PROPN
easat-8335	58	11	’s	’s	PART
easat-8335	58	12	banking	banking	NOUN
easat-8335	58	13	system	system	NOUN
easat-8335	58	14	has	have	AUX
easat-8335	58	15	experienced	experience	VERB
easat-8335	58	16	numerous	numerous	ADJ
easat-8335	58	17	changes	change	NOUN
easat-8335	58	18	,	,	PUNCT
easat-8335	58	19	including	include	VERB
easat-8335	58	20	colonialism	colonialism	NOUN
easat-8335	58	21	,	,	PUNCT
easat-8335	58	22	nationalization	nationalization	NOUN
easat-8335	58	23	,	,	PUNCT
easat-8335	58	24	sovereignty	sovereignty	NOUN
easat-8335	58	25	,	,	PUNCT
easat-8335	58	26	restriction	restriction	NOUN
easat-8335	58	27	,	,	PUNCT
easat-8335	58	28	socialization	socialization	NOUN
easat-8335	58	29	,	,	PUNCT
easat-8335	58	30	and	and	CCONJ
easat-8335	58	31	liberalization	liberalization	NOUN
easat-8335	58	32	.	.	PUNCT
easat-8335	59	1	there	there	PRON
easat-8335	59	2	are	be	VERB
easat-8335	59	3	20	20	NUM
easat-8335	59	4	banks	bank	NOUN
easat-8335	59	5	in	in	ADP
easat-8335	59	6	the	the	DET
easat-8335	59	7	banking	banking	NOUN
easat-8335	59	8	sector	sector	NOUN
easat-8335	59	9	at	at	ADP
easat-8335	59	10	the	the	DET
easat-8335	59	11	moment	moment	NOUN
easat-8335	59	12	,	,	PUNCT
easat-8335	59	13	including	include	VERB
easat-8335	59	14	12	12	NUM
easat-8335	59	15	private	private	ADJ
easat-8335	59	16	and	and	CCONJ
easat-8335	59	17	8	8	NUM
easat-8335	59	18	state	state	NOUN
easat-8335	59	19	-	-	PUNCT
easat-8335	59	20	owned	own	VERB
easat-8335	59	21	banks	bank	NOUN
easat-8335	59	22	[	[	X
easat-8335	59	23	11	11	NUM
easat-8335	59	24	]	]	PUNCT
easat-8335	59	25	.	.	PUNCT
easat-8335	60	1	three	three	NUM
easat-8335	60	2	significant	significant	ADJ
easat-8335	60	3	organizations	organization	NOUN
easat-8335	60	4	—	—	PUNCT
easat-8335	60	5	aebf	aebf	ADJ
easat-8335	60	6	,	,	PUNCT
easat-8335	60	7	satim	satim	ADJ
easat-8335	60	8	,	,	PUNCT
easat-8335	60	9	and	and	CCONJ
easat-8335	60	10	gie	gie	NOUN
easat-8335	60	11	—	—	PUNCT
easat-8335	60	12	provide	provide	VERB
easat-8335	60	13	the	the	DET
easat-8335	60	14	majority	majority	NOUN
easat-8335	60	15	of	of	ADP
easat-8335	60	16	algeria	algeria	PROPN
easat-8335	60	17	's	's	PART
easat-8335	60	18	electronic	electronic	ADJ
easat-8335	60	19	payment	payment	NOUN
easat-8335	60	20	services	service	NOUN
easat-8335	60	21	,	,	PUNCT
easat-8335	60	22	and	and	CCONJ
easat-8335	60	23	they	they	PRON
easat-8335	60	24	are	be	AUX
easat-8335	60	25	essential	essential	ADJ
easat-8335	60	26	to	to	ADP
easat-8335	60	27	updating	update	VERB
easat-8335	60	28	the	the	DET
easat-8335	60	29	country	country	NOUN
easat-8335	60	30	's	's	PART
easat-8335	60	31	banking	banking	NOUN
easat-8335	60	32	system	system	NOUN
easat-8335	60	33	[	[	X
easat-8335	60	34	3	3	NUM
easat-8335	60	35	]	]	PUNCT
easat-8335	60	36	.	.	PUNCT
easat-8335	61	1	the	the	DET
easat-8335	61	2	nation	nation	NOUN
easat-8335	61	3	's	's	PART
easat-8335	61	4	first	first	ADJ
easat-8335	61	5	automated	automate	VERB
easat-8335	61	6	teller	teller	NOUN
easat-8335	61	7	machine	machine	NOUN
easat-8335	61	8	(	(	PUNCT
easat-8335	61	9	atm)-based	atm)-base	VERB
easat-8335	61	10	interbank	interbank	NOUN
easat-8335	61	11	withdrawal	withdrawal	NOUN
easat-8335	61	12	took	take	VERB
easat-8335	61	13	place	place	NOUN
easat-8335	61	14	in	in	ADP
easat-8335	61	15	1977	1977	NUM
easat-8335	61	16	.	.	PUNCT
easat-8335	62	1	point	point	NOUN
easat-8335	62	2	of	of	ADP
easat-8335	62	3	2193	2193	NUM
easat-8335	62	4	edelweiss	edelweiss	PROPN
easat-8335	62	5	applied	apply	VERB
easat-8335	62	6	science	science	NOUN
easat-8335	62	7	and	and	CCONJ
easat-8335	62	8	technology	technology	NOUN
easat-8335	62	9	issn	issn	PROPN
easat-8335	62	10	:	:	PUNCT
easat-8335	62	11	2576	2576	NUM
easat-8335	62	12	-	-	SYM
easat-8335	62	13	8484	8484	NUM
easat-8335	62	14	vol	vol	NOUN
easat-8335	62	15	.	.	PROPN
easat-8335	63	1	9	9	NUM
easat-8335	63	2	,	,	PUNCT
easat-8335	63	3	no	no	INTJ
easat-8335	63	4	.	.	NOUN
easat-8335	63	5	6	6	NUM
easat-8335	63	6	:	:	SYM
easat-8335	63	7	2191	2191	NUM
easat-8335	63	8	-	-	SYM
easat-8335	63	9	2202	2202	NUM
easat-8335	63	10	,	,	PUNCT
easat-8335	63	11	2025	2025	NUM
easat-8335	63	12	doi	doi	NOUN
easat-8335	63	13	:	:	PUNCT
easat-8335	64	1	10.55214/25768484.v9i6.8335	10.55214/25768484.v9i6.8335	NUM
easat-8335	64	2	©	©	PROPN
easat-8335	64	3	2025	2025	NUM
easat-8335	64	4	by	by	ADP
easat-8335	64	5	the	the	DET
easat-8335	64	6	authors	author	NOUN
easat-8335	64	7	;	;	PUNCT
easat-8335	64	8	licensee	licensee	PROPN
easat-8335	64	9	learning	learn	VERB
easat-8335	64	10	gate	gate	NOUN
easat-8335	64	11	sale	sale	NOUN
easat-8335	64	12	(	(	PUNCT
easat-8335	64	13	pos	pos	NOUN
easat-8335	64	14	)	)	PUNCT
easat-8335	64	15	terminals	terminal	NOUN
easat-8335	64	16	were	be	AUX
easat-8335	64	17	used	use	VERB
easat-8335	64	18	for	for	ADP
easat-8335	64	19	interbank	interbank	NOUN
easat-8335	64	20	payments	payment	NOUN
easat-8335	64	21	beginning	begin	VERB
easat-8335	64	22	in	in	ADP
easat-8335	64	23	2005	2005	NUM
easat-8335	64	24	.	.	PUNCT
easat-8335	65	1	online	online	ADJ
easat-8335	65	2	payments	payment	NOUN
easat-8335	65	3	were	be	AUX
easat-8335	65	4	introduced	introduce	VERB
easat-8335	65	5	in	in	ADP
easat-8335	65	6	2016	2016	NUM
easat-8335	65	7	[	[	X
easat-8335	65	8	12	12	NUM
easat-8335	65	9	]	]	PUNCT
easat-8335	65	10	.	.	PUNCT
easat-8335	66	1	despite	despite	SCONJ
easat-8335	66	2	these	these	DET
easat-8335	66	3	developments	development	NOUN
easat-8335	66	4	,	,	PUNCT
easat-8335	66	5	algeria	algeria	PROPN
easat-8335	66	6	's	's	PART
easat-8335	66	7	use	use	NOUN
easat-8335	66	8	of	of	ADP
easat-8335	66	9	electronic	electronic	ADJ
easat-8335	66	10	payments	payment	NOUN
easat-8335	66	11	is	be	AUX
easat-8335	66	12	still	still	ADV
easat-8335	66	13	somewhat	somewhat	ADV
easat-8335	66	14	low	low	ADJ
easat-8335	66	15	when	when	SCONJ
easat-8335	66	16	compared	compare	VERB
easat-8335	66	17	to	to	ADP
easat-8335	66	18	international	international	ADJ
easat-8335	66	19	norms	norm	NOUN
easat-8335	66	20	[	[	X
easat-8335	66	21	3	3	NUM
easat-8335	66	22	]	]	PUNCT
easat-8335	66	23	.	.	PUNCT
easat-8335	67	1	2.3	2.3	NUM
easat-8335	67	2	.	.	PUNCT
easat-8335	68	1	determinants	determinant	NOUN
easat-8335	68	2	of	of	ADP
easat-8335	68	3	electronic	electronic	ADJ
easat-8335	68	4	payment	payment	NOUN
easat-8335	68	5	acceptance	acceptance	NOUN
easat-8335	68	6	several	several	ADJ
easat-8335	68	7	factors	factor	NOUN
easat-8335	68	8	influence	influence	VERB
easat-8335	68	9	the	the	DET
easat-8335	68	10	acceptance	acceptance	NOUN
easat-8335	68	11	of	of	ADP
easat-8335	68	12	electronic	electronic	ADJ
easat-8335	68	13	payment	payment	NOUN
easat-8335	68	14	systems	system	NOUN
easat-8335	68	15	.	.	PUNCT
easat-8335	69	1	understanding	understand	VERB
easat-8335	69	2	these	these	DET
easat-8335	69	3	factors	factor	NOUN
easat-8335	69	4	is	be	AUX
easat-8335	69	5	essential	essential	ADJ
easat-8335	69	6	for	for	ADP
easat-8335	69	7	assessing	assess	VERB
easat-8335	69	8	customer	customer	NOUN
easat-8335	69	9	attitudes	attitude	NOUN
easat-8335	69	10	and	and	CCONJ
easat-8335	69	11	behaviors	behavior	NOUN
easat-8335	69	12	toward	toward	ADP
easat-8335	69	13	digital	digital	ADJ
easat-8335	69	14	transactions	transaction	NOUN
easat-8335	69	15	.	.	PUNCT
easat-8335	70	1	the	the	DET
easat-8335	70	2	following	follow	VERB
easat-8335	70	3	sections	section	NOUN
easat-8335	70	4	discuss	discuss	VERB
easat-8335	70	5	key	key	ADJ
easat-8335	70	6	determinants	determinant	NOUN
easat-8335	70	7	,	,	PUNCT
easat-8335	70	8	introduce	introduce	VERB
easat-8335	70	9	trust	trust	NOUN
easat-8335	70	10	as	as	ADP
easat-8335	70	11	a	a	DET
easat-8335	70	12	mediating	mediate	VERB
easat-8335	70	13	factor	factor	NOUN
easat-8335	70	14	,	,	PUNCT
easat-8335	70	15	and	and	CCONJ
easat-8335	70	16	security	security	NOUN
easat-8335	70	17	as	as	ADP
easat-8335	70	18	a	a	DET
easat-8335	70	19	moderating	moderate	VERB
easat-8335	70	20	factor	factor	NOUN
easat-8335	70	21	in	in	ADP
easat-8335	70	22	electronic	electronic	ADJ
easat-8335	70	23	payment	payment	NOUN
easat-8335	70	24	adoption	adoption	NOUN
easat-8335	70	25	.	.	PUNCT
easat-8335	71	1	2.3.1	2.3.1	X
easat-8335	71	2	.	.	PUNCT
easat-8335	71	3	perceived	perceive	VERB
easat-8335	71	4	usefulness	usefulness	NOUN
easat-8335	71	5	davis	davis	PROPN
easat-8335	72	1	[	[	X
easat-8335	72	2	13	13	NUM
easat-8335	72	3	]	]	PUNCT
easat-8335	72	4	defines	define	NOUN
easat-8335	72	5	perceived	perceive	VERB
easat-8335	72	6	usefulness	usefulness	NOUN
easat-8335	72	7	as	as	ADP
easat-8335	72	8	the	the	DET
easat-8335	72	9	degree	degree	NOUN
easat-8335	72	10	to	to	PART
easat-8335	72	11	which	which	PRON
easat-8335	72	12	an	an	DET
easat-8335	72	13	individual	individual	NOUN
easat-8335	72	14	believes	believe	VERB
easat-8335	72	15	that	that	SCONJ
easat-8335	72	16	using	use	VERB
easat-8335	72	17	a	a	DET
easat-8335	72	18	suitable	suitable	ADJ
easat-8335	72	19	system	system	NOUN
easat-8335	72	20	improves	improve	VERB
easat-8335	72	21	their	their	PRON
easat-8335	72	22	job	job	NOUN
easat-8335	72	23	performance	performance	NOUN
easat-8335	72	24	.	.	PUNCT
easat-8335	73	1	in	in	ADP
easat-8335	73	2	turn	turn	NOUN
easat-8335	73	3	,	,	PUNCT
easat-8335	73	4	a	a	DET
easat-8335	73	5	system	system	NOUN
easat-8335	73	6	with	with	ADP
easat-8335	73	7	high	high	ADJ
easat-8335	73	8	perceived	perceive	VERB
easat-8335	73	9	usefulness	usefulness	NOUN
easat-8335	73	10	has	have	VERB
easat-8335	73	11	a	a	DET
easat-8335	73	12	user	user	NOUN
easat-8335	73	13	who	who	PRON
easat-8335	73	14	believes	believe	VERB
easat-8335	73	15	in	in	ADP
easat-8335	73	16	a	a	DET
easat-8335	73	17	positive	positive	ADJ
easat-8335	73	18	use	use	NOUN
easat-8335	73	19	-	-	PUNCT
easat-8335	73	20	performance	performance	NOUN
easat-8335	73	21	relationship	relationship	NOUN
easat-8335	73	22	.	.	PUNCT
easat-8335	74	1	so	so	ADV
easat-8335	74	2	,	,	PUNCT
easat-8335	74	3	perceived	perceive	VERB
easat-8335	74	4	usefulness	usefulness	NOUN
easat-8335	74	5	is	be	AUX
easat-8335	74	6	crucial	crucial	ADJ
easat-8335	74	7	to	to	ADP
easat-8335	74	8	utaut	utaut	PROPN
easat-8335	74	9	theory	theory	PROPN
easat-8335	74	10	.	.	PUNCT
easat-8335	75	1	perceived	perceive	VERB
easat-8335	75	2	usefulness	usefulness	NOUN
easat-8335	75	3	has	have	AUX
easat-8335	75	4	been	be	AUX
easat-8335	75	5	utilised	utilise	VERB
easat-8335	75	6	for	for	ADP
easat-8335	75	7	estimating	estimate	VERB
easat-8335	75	8	several	several	ADJ
easat-8335	75	9	elements	element	NOUN
easat-8335	75	10	,	,	PUNCT
easat-8335	75	11	including	include	VERB
easat-8335	75	12	word	word	NOUN
easat-8335	75	13	processing	processing	NOUN
easat-8335	75	14	and	and	CCONJ
easat-8335	75	15	spreadsheet	spreadsheet	NOUN
easat-8335	75	16	system	system	NOUN
easat-8335	75	17	uptake	uptake	NOUN
easat-8335	75	18	,	,	PUNCT
easat-8335	75	19	user	user	NOUN
easat-8335	75	20	intentions	intention	NOUN
easat-8335	75	21	,	,	PUNCT
easat-8335	75	22	telecommuting	telecommuting	NOUN
easat-8335	75	23	technologies	technology	NOUN
easat-8335	75	24	,	,	PUNCT
easat-8335	75	25	online	online	ADJ
easat-8335	75	26	and	and	CCONJ
easat-8335	75	27	wireless	wireless	ADJ
easat-8335	75	28	site	site	NOUN
easat-8335	75	29	usability	usability	NOUN
easat-8335	75	30	,	,	PUNCT
easat-8335	75	31	and	and	CCONJ
easat-8335	75	32	system	system	NOUN
easat-8335	75	33	usage	usage	NOUN
easat-8335	75	34	over	over	ADP
easat-8335	75	35	time	time	NOUN
easat-8335	75	36	.	.	PUNCT
easat-8335	76	1	davis	davis	PROPN
easat-8335	76	2	,	,	PUNCT
easat-8335	76	3	et	et	PROPN
easat-8335	76	4	al	al	PROPN
easat-8335	76	5	.	.	PUNCT
easat-8335	77	1	[	[	X
easat-8335	77	2	14	14	NUM
easat-8335	77	3	]	]	PUNCT
easat-8335	77	4	established	establish	VERB
easat-8335	77	5	the	the	DET
easat-8335	77	6	accuracy	accuracy	NOUN
easat-8335	77	7	and	and	CCONJ
easat-8335	77	8	reliability	reliability	NOUN
easat-8335	77	9	of	of	ADP
easat-8335	77	10	perceived	perceive	VERB
easat-8335	77	11	usefulness	usefulness	NOUN
easat-8335	77	12	as	as	ADP
easat-8335	77	13	an	an	DET
easat-8335	77	14	indicator	indicator	NOUN
easat-8335	77	15	of	of	ADP
easat-8335	77	16	the	the	DET
easat-8335	77	17	intention	intention	NOUN
easat-8335	77	18	to	to	PART
easat-8335	77	19	use	use	VERB
easat-8335	77	20	technological	technological	ADJ
easat-8335	77	21	innovations	innovation	NOUN
easat-8335	77	22	.	.	PUNCT
easat-8335	78	1	according	accord	VERB
easat-8335	78	2	to	to	ADP
easat-8335	78	3	afshan	afshan	NOUN
easat-8335	78	4	and	and	CCONJ
easat-8335	78	5	sharif	sharif	PROPN
easat-8335	78	6	[	[	X
easat-8335	78	7	15	15	NUM
easat-8335	78	8	]	]	X
easat-8335	78	9	the	the	DET
easat-8335	78	10	individuals	individual	NOUN
easat-8335	78	11	will	will	AUX
easat-8335	78	12	adopt	adopt	VERB
easat-8335	78	13	a	a	DET
easat-8335	78	14	particular	particular	ADJ
easat-8335	78	15	technology	technology	NOUN
easat-8335	78	16	if	if	SCONJ
easat-8335	78	17	they	they	PRON
easat-8335	78	18	perceive	perceive	VERB
easat-8335	78	19	it	it	PRON
easat-8335	78	20	as	as	ADP
easat-8335	78	21	useful	useful	ADJ
easat-8335	78	22	in	in	ADP
easat-8335	78	23	performing	perform	VERB
easat-8335	78	24	a	a	DET
easat-8335	78	25	daily	daily	ADJ
easat-8335	78	26	task	task	NOUN
easat-8335	78	27	and	and	CCONJ
easat-8335	78	28	will	will	AUX
easat-8335	78	29	not	not	PART
easat-8335	78	30	adopt	adopt	VERB
easat-8335	78	31	it	it	PRON
easat-8335	78	32	in	in	ADP
easat-8335	78	33	case	case	NOUN
easat-8335	78	34	it	it	PRON
easat-8335	78	35	does	do	AUX
easat-8335	78	36	not	not	PART
easat-8335	78	37	result	result	VERB
easat-8335	78	38	any	any	DET
easat-8335	78	39	improvement	improvement	NOUN
easat-8335	78	40	in	in	ADP
easat-8335	78	41	these	these	DET
easat-8335	78	42	tasks	task	NOUN
easat-8335	78	43	.	.	PUNCT
easat-8335	79	1	similarly	similarly	ADV
easat-8335	79	2	,	,	PUNCT
easat-8335	79	3	hassan	hassan	PROPN
easat-8335	79	4	,	,	PUNCT
easat-8335	79	5	et	et	PROPN
easat-8335	79	6	al	al	PROPN
easat-8335	79	7	.	.	PUNCT
easat-8335	80	1	[	[	X
easat-8335	80	2	16	16	NUM
easat-8335	80	3	]	]	PUNCT
easat-8335	80	4	observed	observe	VERB
easat-8335	80	5	that	that	SCONJ
easat-8335	80	6	perceived	perceive	VERB
easat-8335	80	7	usefulness	usefulness	NOUN
easat-8335	80	8	is	be	AUX
easat-8335	80	9	positively	positively	ADV
easat-8335	80	10	related	relate	VERB
easat-8335	80	11	to	to	ADP
easat-8335	80	12	the	the	DET
easat-8335	80	13	adoption	adoption	NOUN
easat-8335	80	14	and	and	CCONJ
easat-8335	80	15	acceptance	acceptance	NOUN
easat-8335	80	16	of	of	ADP
easat-8335	80	17	e	e	NOUN
easat-8335	80	18	-	-	NOUN
easat-8335	80	19	payment	payment	NOUN
easat-8335	80	20	services	service	NOUN
easat-8335	80	21	and	and	CCONJ
easat-8335	80	22	that	that	SCONJ
easat-8335	80	23	it	it	PRON
easat-8335	80	24	is	be	AUX
easat-8335	80	25	an	an	DET
easat-8335	80	26	important	important	ADJ
easat-8335	80	27	factor	factor	NOUN
easat-8335	80	28	in	in	ADP
easat-8335	80	29	shaping	shape	VERB
easat-8335	80	30	customer	customer	NOUN
easat-8335	80	31	perceptions	perception	NOUN
easat-8335	80	32	of	of	ADP
easat-8335	80	33	the	the	DET
easat-8335	80	34	value	value	NOUN
easat-8335	80	35	and	and	CCONJ
easat-8335	80	36	benefits	benefit	NOUN
easat-8335	80	37	of	of	ADP
easat-8335	80	38	electronic	electronic	ADJ
easat-8335	80	39	payment	payment	NOUN
easat-8335	80	40	services	service	NOUN
easat-8335	80	41	.	.	PUNCT
easat-8335	81	1	thus	thus	ADV
easat-8335	81	2	,	,	PUNCT
easat-8335	81	3	it	it	PRON
easat-8335	81	4	indicates	indicate	VERB
easat-8335	81	5	that	that	SCONJ
easat-8335	81	6	perceived	perceive	VERB
easat-8335	81	7	usefulness	usefulness	NOUN
easat-8335	81	8	is	be	AUX
easat-8335	81	9	a	a	DET
easat-8335	81	10	key	key	ADJ
easat-8335	81	11	determinant	determinant	NOUN
easat-8335	81	12	of	of	ADP
easat-8335	81	13	customer	customer	NOUN
easat-8335	81	14	acceptance	acceptance	NOUN
easat-8335	81	15	of	of	ADP
easat-8335	81	16	the	the	DET
easat-8335	81	17	electronic	electronic	ADJ
easat-8335	81	18	payment	payment	NOUN
easat-8335	81	19	services	service	NOUN
easat-8335	81	20	.	.	PUNCT
easat-8335	82	1	h1	h1	PROPN
easat-8335	82	2	:	:	PUNCT
easat-8335	82	3	perceived	perceive	VERB
easat-8335	82	4	usefulness	usefulness	NOUN
easat-8335	82	5	positively	positively	ADV
easat-8335	82	6	influences	influence	VERB
easat-8335	82	7	the	the	DET
easat-8335	82	8	acceptance	acceptance	NOUN
easat-8335	82	9	of	of	ADP
easat-8335	82	10	electronic	electronic	ADJ
easat-8335	82	11	payment	payment	NOUN
easat-8335	82	12	systems	system	NOUN
easat-8335	82	13	.	.	PUNCT
easat-8335	83	1	2.3.2	2.3.2	NUM
easat-8335	83	2	.	.	PUNCT
easat-8335	83	3	perceived	perceive	VERB
easat-8335	83	4	ease	ease	NOUN
easat-8335	83	5	of	of	ADP
easat-8335	83	6	use	use	NOUN
easat-8335	83	7	a	a	DET
easat-8335	83	8	key	key	ADJ
easat-8335	83	9	concept	concept	NOUN
easat-8335	83	10	in	in	ADP
easat-8335	83	11	davis	davis	PROPN
easat-8335	83	12	[	[	X
easat-8335	83	13	13	13	NUM
easat-8335	83	14	]	]	SYM
easat-8335	83	15	technology	technology	NOUN
easat-8335	83	16	acceptance	acceptance	NOUN
easat-8335	83	17	model	model	NOUN
easat-8335	83	18	(	(	PUNCT
easat-8335	83	19	tam	tam	PROPN
easat-8335	83	20	)	)	PUNCT
easat-8335	83	21	is	be	AUX
easat-8335	83	22	perceived	perceive	VERB
easat-8335	83	23	ease	ease	NOUN
easat-8335	83	24	of	of	ADP
easat-8335	83	25	use	use	NOUN
easat-8335	83	26	(	(	PUNCT
easat-8335	83	27	peou	peou	ADV
easat-8335	83	28	)	)	PUNCT
easat-8335	83	29	,	,	PUNCT
easat-8335	83	30	which	which	PRON
easat-8335	83	31	postulates	postulate	VERB
easat-8335	83	32	that	that	SCONJ
easat-8335	83	33	people	people	NOUN
easat-8335	83	34	are	be	AUX
easat-8335	83	35	more	more	ADV
easat-8335	83	36	likely	likely	ADJ
easat-8335	83	37	to	to	PART
easat-8335	83	38	embrace	embrace	VERB
easat-8335	83	39	a	a	DET
easat-8335	83	40	technology	technology	NOUN
easat-8335	83	41	if	if	SCONJ
easat-8335	83	42	they	they	PRON
easat-8335	83	43	think	think	VERB
easat-8335	83	44	it	it	PRON
easat-8335	83	45	requires	require	VERB
easat-8335	83	46	little	little	ADJ
easat-8335	83	47	effort	effort	NOUN
easat-8335	83	48	to	to	PART
easat-8335	83	49	use	use	VERB
easat-8335	83	50	.	.	PUNCT
easat-8335	84	1	peou	peou	PROPN
easat-8335	84	2	is	be	AUX
easat-8335	84	3	especially	especially	ADV
easat-8335	84	4	significant	significant	ADJ
easat-8335	84	5	in	in	ADP
easat-8335	84	6	digital	digital	ADJ
easat-8335	84	7	banking	banking	NOUN
easat-8335	84	8	,	,	PUNCT
easat-8335	84	9	where	where	SCONJ
easat-8335	84	10	it	it	PRON
easat-8335	84	11	affects	affect	VERB
easat-8335	84	12	consumers	consumer	NOUN
easat-8335	84	13	'	'	PART
easat-8335	84	14	perceptions	perception	NOUN
easat-8335	84	15	,	,	PUNCT
easat-8335	84	16	trust	trust	NOUN
easat-8335	84	17	,	,	PUNCT
easat-8335	84	18	and	and	CCONJ
easat-8335	84	19	willingness	willingness	NOUN
easat-8335	84	20	to	to	PART
easat-8335	84	21	utilize	utilize	VERB
easat-8335	84	22	online	online	ADJ
easat-8335	84	23	financial	financial	ADJ
easat-8335	84	24	services	service	NOUN
easat-8335	84	25	[	[	X
easat-8335	84	26	17	17	NUM
easat-8335	84	27	]	]	PUNCT
easat-8335	84	28	.	.	PUNCT
easat-8335	85	1	it	it	PRON
easat-8335	85	2	also	also	ADV
easat-8335	85	3	plays	play	VERB
easat-8335	85	4	a	a	DET
easat-8335	85	5	crucial	crucial	ADJ
easat-8335	85	6	role	role	NOUN
easat-8335	85	7	in	in	ADP
easat-8335	85	8	determining	determine	VERB
easat-8335	85	9	users	user	NOUN
easat-8335	85	10	'	'	PART
easat-8335	85	11	behavioral	behavioral	ADJ
easat-8335	85	12	intentions	intention	NOUN
easat-8335	85	13	and	and	CCONJ
easat-8335	85	14	actual	actual	ADJ
easat-8335	85	15	system	system	NOUN
easat-8335	85	16	usage	usage	NOUN
easat-8335	85	17	[	[	X
easat-8335	85	18	18	18	NUM
easat-8335	85	19	]	]	PUNCT
easat-8335	85	20	.	.	PUNCT
easat-8335	86	1	a	a	DET
easat-8335	86	2	system	system	NOUN
easat-8335	86	3	that	that	PRON
easat-8335	86	4	users	user	NOUN
easat-8335	86	5	find	find	VERB
easat-8335	86	6	easy	easy	ADJ
easat-8335	86	7	to	to	PART
easat-8335	86	8	use	use	VERB
easat-8335	86	9	has	have	VERB
easat-8335	86	10	a	a	DET
easat-8335	86	11	positive	positive	ADJ
easat-8335	86	12	impact	impact	NOUN
easat-8335	86	13	on	on	ADP
easat-8335	86	14	their	their	PRON
easat-8335	86	15	experience	experience	NOUN
easat-8335	86	16	,	,	PUNCT
easat-8335	86	17	lowers	lower	VERB
easat-8335	86	18	their	their	PRON
easat-8335	86	19	cognitive	cognitive	ADJ
easat-8335	86	20	burden	burden	NOUN
easat-8335	86	21	,	,	PUNCT
easat-8335	86	22	and	and	CCONJ
easat-8335	86	23	is	be	AUX
easat-8335	86	24	more	more	ADV
easat-8335	86	25	likely	likely	ADJ
easat-8335	86	26	to	to	PART
easat-8335	86	27	be	be	AUX
easat-8335	86	28	adopted	adopt	VERB
easat-8335	86	29	[	[	PUNCT
easat-8335	86	30	5	5	NUM
easat-8335	86	31	]	]	PUNCT
easat-8335	86	32	.	.	PUNCT
easat-8335	87	1	the	the	DET
easat-8335	87	2	impact	impact	NOUN
easat-8335	87	3	of	of	ADP
easat-8335	87	4	peou	peou	ADV
easat-8335	87	5	is	be	AUX
easat-8335	87	6	supported	support	VERB
easat-8335	87	7	by	by	ADP
easat-8335	87	8	empirical	empirical	ADJ
easat-8335	87	9	research	research	NOUN
easat-8335	87	10	in	in	ADP
easat-8335	87	11	a	a	DET
easat-8335	87	12	number	number	NOUN
easat-8335	87	13	of	of	ADP
easat-8335	87	14	areas	area	NOUN
easat-8335	87	15	,	,	PUNCT
easat-8335	87	16	including	include	VERB
easat-8335	87	17	facilitating	facilitate	VERB
easat-8335	87	18	the	the	DET
easat-8335	87	19	adoption	adoption	NOUN
easat-8335	87	20	of	of	ADP
easat-8335	87	21	digital	digital	ADJ
easat-8335	87	22	banking	banking	NOUN
easat-8335	87	23	by	by	ADP
easat-8335	87	24	making	make	VERB
easat-8335	87	25	the	the	DET
easat-8335	87	26	interface	interface	NOUN
easat-8335	87	27	more	more	ADV
easat-8335	87	28	accessible	accessible	ADJ
easat-8335	87	29	[	[	X
easat-8335	87	30	19	19	NUM
easat-8335	87	31	]	]	X
easat-8335	87	32	encouraging	encourage	VERB
easat-8335	87	33	less	less	ADJ
easat-8335	87	34	techsavvy	techsavvy	ADJ
easat-8335	87	35	users	user	NOUN
easat-8335	87	36	to	to	PART
easat-8335	87	37	use	use	VERB
easat-8335	87	38	mobile	mobile	ADJ
easat-8335	87	39	banking	banking	NOUN
easat-8335	87	40	[	[	X
easat-8335	87	41	20	20	NUM
easat-8335	87	42	]	]	PUNCT
easat-8335	87	43	and	and	CCONJ
easat-8335	87	44	enhancing	enhance	VERB
easat-8335	87	45	trust	trust	NOUN
easat-8335	87	46	in	in	ADP
easat-8335	87	47	online	online	ADJ
easat-8335	87	48	payment	payment	NOUN
easat-8335	87	49	and	and	CCONJ
easat-8335	87	50	e	e	NOUN
easat-8335	87	51	-	-	NOUN
easat-8335	87	52	commerce	commerce	NOUN
easat-8335	87	53	systems	system	NOUN
easat-8335	87	54	by	by	ADP
easat-8335	87	55	streamlining	streamline	VERB
easat-8335	87	56	navigation	navigation	NOUN
easat-8335	87	57	and	and	CCONJ
easat-8335	87	58	lowering	lower	VERB
easat-8335	87	59	transaction	transaction	NOUN
easat-8335	87	60	complexity	complexity	NOUN
easat-8335	88	1	[	[	X
easat-8335	88	2	21	21	NUM
easat-8335	88	3	]	]	PUNCT
easat-8335	88	4	.	.	PUNCT
easat-8335	89	1	by	by	ADP
easat-8335	89	2	improving	improve	VERB
easat-8335	89	3	the	the	DET
easat-8335	89	4	perception	perception	NOUN
easat-8335	89	5	of	of	ADP
easat-8335	89	6	sharia	sharia	NOUN
easat-8335	89	7	-	-	PUNCT
easat-8335	89	8	compliant	compliant	ADJ
easat-8335	89	9	financial	financial	ADJ
easat-8335	89	10	products	product	NOUN
easat-8335	89	11	,	,	PUNCT
easat-8335	89	12	peou	peou	ADV
easat-8335	89	13	in	in	ADP
easat-8335	89	14	islamic	islamic	ADJ
easat-8335	89	15	banking	banking	NOUN
easat-8335	89	16	helps	help	VERB
easat-8335	89	17	clients	client	NOUN
easat-8335	89	18	feel	feel	VERB
easat-8335	89	19	more	more	ADV
easat-8335	89	20	at	at	ADP
easat-8335	89	21	ease	ease	NOUN
easat-8335	89	22	using	use	VERB
easat-8335	89	23	digital	digital	ADJ
easat-8335	89	24	islamic	islamic	ADJ
easat-8335	89	25	finance	finance	NOUN
easat-8335	89	26	solutions	solution	NOUN
easat-8335	89	27	[	[	X
easat-8335	89	28	22	22	NUM
easat-8335	89	29	]	]	PUNCT
easat-8335	89	30	.	.	PUNCT
easat-8335	90	1	additionally	additionally	ADV
easat-8335	90	2	,	,	PUNCT
easat-8335	90	3	trust	trust	NOUN
easat-8335	90	4	plays	play	VERB
easat-8335	90	5	a	a	DET
easat-8335	90	6	crucial	crucial	ADJ
easat-8335	90	7	mediating	mediate	VERB
easat-8335	90	8	role	role	NOUN
easat-8335	90	9	between	between	ADP
easat-8335	90	10	peou	peou	ADV
easat-8335	90	11	and	and	CCONJ
easat-8335	90	12	the	the	DET
easat-8335	90	13	acceptance	acceptance	NOUN
easat-8335	90	14	of	of	ADP
easat-8335	90	15	digital	digital	ADJ
easat-8335	90	16	banking	banking	NOUN
easat-8335	90	17	as	as	ADP
easat-8335	90	18	user	user	NOUN
easat-8335	90	19	confidence	confidence	NOUN
easat-8335	90	20	in	in	ADP
easat-8335	90	21	the	the	DET
easat-8335	90	22	dependability	dependability	NOUN
easat-8335	90	23	and	and	CCONJ
easat-8335	90	24	security	security	NOUN
easat-8335	90	25	of	of	ADP
easat-8335	90	26	an	an	DET
easat-8335	90	27	easy	easy	ADJ
easat-8335	90	28	-	-	PUNCT
easat-8335	90	29	to	to	ADP
easat-8335	90	30	-	-	PUNCT
easat-8335	90	31	use	use	NOUN
easat-8335	90	32	system	system	NOUN
easat-8335	90	33	is	be	AUX
easat-8335	90	34	increased	increase	VERB
easat-8335	90	35	[	[	X
easat-8335	90	36	17	17	NUM
easat-8335	90	37	]	]	PUNCT
easat-8335	90	38	.	.	PUNCT
easat-8335	91	1	simplifying	simplify	VERB
easat-8335	91	2	digital	digital	ADJ
easat-8335	91	3	banking	banking	NOUN
easat-8335	91	4	interfaces	interface	NOUN
easat-8335	91	5	and	and	CCONJ
easat-8335	91	6	enhancing	enhance	VERB
easat-8335	91	7	user	user	NOUN
easat-8335	91	8	experience	experience	NOUN
easat-8335	91	9	can	can	AUX
easat-8335	91	10	reduce	reduce	VERB
easat-8335	91	11	these	these	DET
easat-8335	91	12	obstacles	obstacle	NOUN
easat-8335	91	13	and	and	CCONJ
easat-8335	91	14	increase	increase	VERB
easat-8335	91	15	acceptance	acceptance	NOUN
easat-8335	91	16	rates	rate	NOUN
easat-8335	91	17	in	in	ADP
easat-8335	91	18	algeria	algeria	PROPN
easat-8335	91	19	,	,	PUNCT
easat-8335	91	20	where	where	SCONJ
easat-8335	91	21	digital	digital	ADJ
easat-8335	91	22	banking	banking	NOUN
easat-8335	91	23	acceptance	acceptance	NOUN
easat-8335	91	24	is	be	AUX
easat-8335	91	25	still	still	ADV
easat-8335	91	26	low	low	ADJ
easat-8335	91	27	due	due	ADP
easat-8335	91	28	to	to	ADP
easat-8335	91	29	security	security	NOUN
easat-8335	91	30	concerns	concern	NOUN
easat-8335	91	31	,	,	PUNCT
easat-8335	91	32	inadequate	inadequate	ADJ
easat-8335	91	33	it	it	PRON
easat-8335	91	34	infrastructure	infrastructure	NOUN
easat-8335	91	35	,	,	PUNCT
easat-8335	91	36	and	and	CCONJ
easat-8335	91	37	a	a	DET
easat-8335	91	38	lack	lack	NOUN
easat-8335	91	39	of	of	ADP
easat-8335	91	40	awareness	awareness	NOUN
easat-8335	91	41	[	[	X
easat-8335	91	42	23	23	NUM
easat-8335	91	43	]	]	PUNCT
easat-8335	91	44	.	.	PUNCT
easat-8335	92	1	with	with	ADP
easat-8335	92	2	substantial	substantial	ADJ
easat-8335	92	3	empirical	empirical	ADJ
easat-8335	92	4	support	support	NOUN
easat-8335	92	5	highlighting	highlight	VERB
easat-8335	92	6	its	its	PRON
easat-8335	92	7	function	function	NOUN
easat-8335	92	8	in	in	ADP
easat-8335	92	9	influencing	influence	VERB
easat-8335	92	10	perceptions	perception	NOUN
easat-8335	92	11	,	,	PUNCT
easat-8335	92	12	boosting	boost	VERB
easat-8335	92	13	trust	trust	NOUN
easat-8335	92	14	,	,	PUNCT
easat-8335	92	15	and	and	CCONJ
easat-8335	92	16	ultimately	ultimately	ADV
easat-8335	92	17	propelling	propel	VERB
easat-8335	92	18	technology	technology	NOUN
easat-8335	92	19	adoption	adoption	NOUN
easat-8335	92	20	,	,	PUNCT
easat-8335	92	21	peou	peou	ADV
easat-8335	92	22	is	be	AUX
easat-8335	92	23	an	an	DET
easat-8335	92	24	important	important	ADJ
easat-8335	92	25	factor	factor	NOUN
easat-8335	92	26	in	in	ADP
easat-8335	92	27	the	the	DET
easat-8335	92	28	acceptance	acceptance	NOUN
easat-8335	92	29	of	of	ADP
easat-8335	92	30	digital	digital	ADJ
easat-8335	92	31	banking	banking	NOUN
easat-8335	92	32	overall	overall	ADJ
easat-8335	92	33	,	,	PUNCT
easat-8335	92	34	impacting	impact	VERB
easat-8335	92	35	user	user	NOUN
easat-8335	92	36	trust	trust	NOUN
easat-8335	92	37	and	and	CCONJ
easat-8335	92	38	lowering	lower	VERB
easat-8335	92	39	perceived	perceive	VERB
easat-8335	92	40	risk	risk	NOUN
easat-8335	92	41	[	[	X
easat-8335	92	42	13	13	NUM
easat-8335	92	43	,	,	PUNCT
easat-8335	92	44	18	18	NUM
easat-8335	92	45	,	,	PUNCT
easat-8335	92	46	24	24	NUM
easat-8335	92	47	]	]	PUNCT
easat-8335	92	48	.	.	PUNCT
easat-8335	93	1	h2	h2	PROPN
easat-8335	93	2	:	:	PUNCT
easat-8335	93	3	perceived	perceive	VERB
easat-8335	93	4	ease	ease	NOUN
easat-8335	93	5	of	of	ADP
easat-8335	93	6	use	use	NOUN
easat-8335	93	7	positively	positively	ADV
easat-8335	93	8	influences	influence	VERB
easat-8335	93	9	the	the	DET
easat-8335	93	10	acceptance	acceptance	NOUN
easat-8335	93	11	of	of	ADP
easat-8335	93	12	electronic	electronic	ADJ
easat-8335	93	13	payment	payment	NOUN
easat-8335	93	14	systems	system	NOUN
easat-8335	93	15	.	.	PUNCT
easat-8335	94	1	2194	2194	NUM
easat-8335	94	2	edelweiss	edelweiss	PROPN
easat-8335	94	3	applied	apply	VERB
easat-8335	94	4	science	science	NOUN
easat-8335	94	5	and	and	CCONJ
easat-8335	94	6	technology	technology	NOUN
easat-8335	94	7	issn	issn	PROPN
easat-8335	94	8	:	:	PUNCT
easat-8335	94	9	2576	2576	NUM
easat-8335	94	10	-	-	SYM
easat-8335	94	11	8484	8484	NUM
easat-8335	94	12	vol	vol	NOUN
easat-8335	94	13	.	.	PROPN
easat-8335	95	1	9	9	NUM
easat-8335	95	2	,	,	PUNCT
easat-8335	95	3	no	no	INTJ
easat-8335	95	4	.	.	NOUN
easat-8335	95	5	6	6	NUM
easat-8335	95	6	:	:	SYM
easat-8335	95	7	2191	2191	NUM
easat-8335	95	8	-	-	SYM
easat-8335	95	9	2202	2202	NUM
easat-8335	95	10	,	,	PUNCT
easat-8335	95	11	2025	2025	NUM
easat-8335	95	12	doi	doi	NOUN
easat-8335	95	13	:	:	PUNCT
easat-8335	96	1	10.55214/25768484.v9i6.8335	10.55214/25768484.v9i6.8335	NUM
easat-8335	96	2	©	©	PROPN
easat-8335	96	3	2025	2025	NUM
easat-8335	96	4	by	by	ADP
easat-8335	96	5	the	the	DET
easat-8335	96	6	authors	author	NOUN
easat-8335	96	7	;	;	PUNCT
easat-8335	96	8	licensee	licensee	PROPN
easat-8335	96	9	learning	learn	VERB
easat-8335	96	10	gate	gate	NOUN
easat-8335	96	11	2.3.3	2.3.3	NUM
easat-8335	96	12	.	.	PUNCT
easat-8335	97	1	trust	trust	NOUN
easat-8335	97	2	as	as	ADP
easat-8335	97	3	a	a	DET
easat-8335	97	4	mediator	mediator	NOUN
easat-8335	97	5	the	the	DET
easat-8335	97	6	widespread	widespread	ADJ
easat-8335	97	7	acceptance	acceptance	NOUN
easat-8335	97	8	of	of	ADP
easat-8335	97	9	electronic	electronic	ADJ
easat-8335	97	10	payment	payment	NOUN
easat-8335	97	11	(	(	PUNCT
easat-8335	97	12	e	e	NOUN
easat-8335	97	13	-	-	NOUN
easat-8335	97	14	payment	payment	NOUN
easat-8335	97	15	)	)	PUNCT
easat-8335	97	16	systems	system	NOUN
easat-8335	97	17	is	be	AUX
easat-8335	97	18	largely	largely	ADV
easat-8335	97	19	dependent	dependent	ADJ
easat-8335	97	20	on	on	ADP
easat-8335	97	21	trust	trust	NOUN
easat-8335	97	22	since	since	SCONJ
easat-8335	97	23	it	it	PRON
easat-8335	97	24	boosts	boost	VERB
easat-8335	97	25	consumers	consumer	NOUN
easat-8335	97	26	'	'	PART
easat-8335	97	27	confidence	confidence	NOUN
easat-8335	97	28	in	in	ADP
easat-8335	97	29	making	make	VERB
easat-8335	97	30	digital	digital	ADJ
easat-8335	97	31	transactions	transaction	NOUN
easat-8335	97	32	by	by	ADP
easat-8335	97	33	lowering	lower	VERB
easat-8335	97	34	perceived	perceive	VERB
easat-8335	97	35	risk	risk	NOUN
easat-8335	97	36	and	and	CCONJ
easat-8335	97	37	uncertainty	uncertainty	NOUN
easat-8335	97	38	[	[	X
easat-8335	97	39	21	21	NUM
easat-8335	97	40	]	]	PUNCT
easat-8335	97	41	.	.	PUNCT
easat-8335	98	1	customers	customer	NOUN
easat-8335	98	2	of	of	ADP
easat-8335	98	3	banks	bank	NOUN
easat-8335	98	4	are	be	AUX
easat-8335	98	5	encouraged	encourage	VERB
easat-8335	98	6	to	to	PART
easat-8335	98	7	use	use	VERB
easat-8335	98	8	digital	digital	ADJ
easat-8335	98	9	payments	payment	NOUN
easat-8335	98	10	because	because	SCONJ
easat-8335	98	11	trust	trust	NOUN
easat-8335	98	12	removes	remove	VERB
easat-8335	98	13	uncertainty	uncertainty	NOUN
easat-8335	98	14	[	[	X
easat-8335	98	15	25	25	NUM
easat-8335	98	16	]	]	PUNCT
easat-8335	98	17	.	.	PUNCT
easat-8335	99	1	according	accord	VERB
easat-8335	99	2	to	to	ADP
easat-8335	99	3	a	a	DET
easat-8335	99	4	number	number	NOUN
easat-8335	99	5	of	of	ADP
easat-8335	99	6	studies	study	NOUN
easat-8335	99	7	,	,	PUNCT
easat-8335	99	8	trust	trust	NOUN
easat-8335	99	9	is	be	AUX
easat-8335	99	10	essential	essential	ADJ
easat-8335	99	11	to	to	ADP
easat-8335	99	12	the	the	DET
easat-8335	99	13	broad	broad	ADJ
easat-8335	99	14	use	use	NOUN
easat-8335	99	15	of	of	ADP
easat-8335	99	16	e	e	NOUN
easat-8335	99	17	-	-	NOUN
easat-8335	99	18	payment	payment	NOUN
easat-8335	99	19	systems	system	NOUN
easat-8335	99	20	[	[	X
easat-8335	99	21	5	5	NUM
easat-8335	99	22	]	]	PUNCT
easat-8335	99	23	.	.	PUNCT
easat-8335	100	1	users	user	NOUN
easat-8335	100	2	who	who	PRON
easat-8335	100	3	have	have	VERB
easat-8335	100	4	doubts	doubt	NOUN
easat-8335	100	5	about	about	ADP
easat-8335	100	6	the	the	DET
easat-8335	100	7	security	security	NOUN
easat-8335	100	8	,	,	PUNCT
easat-8335	100	9	dependability	dependability	NOUN
easat-8335	100	10	,	,	PUNCT
easat-8335	100	11	and	and	CCONJ
easat-8335	100	12	integrity	integrity	NOUN
easat-8335	100	13	of	of	ADP
easat-8335	100	14	digital	digital	ADJ
easat-8335	100	15	payment	payment	NOUN
easat-8335	100	16	platforms	platform	NOUN
easat-8335	100	17	are	be	AUX
easat-8335	100	18	less	less	ADV
easat-8335	100	19	inclined	inclined	ADJ
easat-8335	100	20	to	to	PART
easat-8335	100	21	utilise	utilise	VERB
easat-8335	100	22	them	they	PRON
easat-8335	100	23	since	since	SCONJ
easat-8335	100	24	financial	financial	ADJ
easat-8335	100	25	transactions	transaction	NOUN
easat-8335	100	26	contain	contain	VERB
easat-8335	100	27	sensitive	sensitive	ADJ
easat-8335	100	28	data	datum	NOUN
easat-8335	100	29	[	[	X
easat-8335	100	30	5	5	NUM
easat-8335	100	31	,	,	PUNCT
easat-8335	100	32	24	24	NUM
easat-8335	100	33	,	,	PUNCT
easat-8335	100	34	26	26	NUM
easat-8335	100	35	]	]	PUNCT
easat-8335	100	36	.	.	PUNCT
easat-8335	101	1	since	since	SCONJ
easat-8335	101	2	trust	trust	NOUN
easat-8335	101	3	reduces	reduce	VERB
easat-8335	101	4	worries	worry	NOUN
easat-8335	101	5	about	about	ADP
easat-8335	101	6	fraud	fraud	NOUN
easat-8335	101	7	,	,	PUNCT
easat-8335	101	8	illegal	illegal	ADJ
easat-8335	101	9	access	access	NOUN
easat-8335	101	10	,	,	PUNCT
easat-8335	101	11	and	and	CCONJ
easat-8335	101	12	privacy	privacy	NOUN
easat-8335	101	13	violations	violation	NOUN
easat-8335	101	14	—	—	PUNCT
easat-8335	101	15	all	all	PRON
easat-8335	101	16	of	of	ADP
easat-8335	101	17	which	which	PRON
easat-8335	101	18	are	be	AUX
easat-8335	101	19	significant	significant	ADJ
easat-8335	101	20	obstacles	obstacle	NOUN
easat-8335	101	21	to	to	ADP
easat-8335	101	22	digital	digital	ADJ
easat-8335	101	23	financial	financial	ADJ
easat-8335	101	24	transactions	transaction	NOUN
easat-8335	101	25	—	—	PUNCT
easat-8335	101	26	it	it	PRON
easat-8335	101	27	has	have	VERB
easat-8335	101	28	a	a	DET
easat-8335	101	29	significant	significant	ADJ
easat-8335	101	30	impact	impact	NOUN
easat-8335	101	31	on	on	ADP
easat-8335	101	32	users	user	NOUN
easat-8335	101	33	'	'	PART
easat-8335	101	34	willingness	willingness	NOUN
easat-8335	101	35	to	to	PART
easat-8335	101	36	adopt	adopt	VERB
easat-8335	101	37	e	e	NOUN
easat-8335	101	38	-	-	NOUN
easat-8335	101	39	payment	payment	NOUN
easat-8335	101	40	systems	system	NOUN
easat-8335	101	41	,	,	PUNCT
easat-8335	101	42	according	accord	VERB
easat-8335	101	43	to	to	ADP
easat-8335	101	44	a	a	DET
easat-8335	101	45	number	number	NOUN
easat-8335	101	46	of	of	ADP
easat-8335	101	47	studies	study	NOUN
easat-8335	101	48	[	[	X
easat-8335	101	49	27	27	NUM
easat-8335	101	50	]	]	PUNCT
easat-8335	101	51	.	.	PUNCT
easat-8335	102	1	kanojia	kanojia	PROPN
easat-8335	102	2	and	and	CCONJ
easat-8335	102	3	lal	lal	PROPN
easat-8335	103	1	[	[	X
easat-8335	103	2	28	28	NUM
easat-8335	103	3	]	]	PUNCT
easat-8335	103	4	discovered	discover	VERB
easat-8335	103	5	that	that	SCONJ
easat-8335	103	6	trust	trust	NOUN
easat-8335	103	7	is	be	AUX
easat-8335	103	8	crucial	crucial	ADJ
easat-8335	103	9	to	to	ADP
easat-8335	103	10	consumers	consumer	NOUN
easat-8335	103	11	'	'	PART
easat-8335	103	12	adoption	adoption	NOUN
easat-8335	103	13	of	of	ADP
easat-8335	103	14	digital	digital	ADJ
easat-8335	103	15	payment	payment	NOUN
easat-8335	103	16	systems	system	NOUN
easat-8335	103	17	,	,	PUNCT
easat-8335	103	18	emphasising	emphasise	VERB
easat-8335	103	19	that	that	SCONJ
easat-8335	103	20	users	user	NOUN
easat-8335	103	21	are	be	AUX
easat-8335	103	22	reluctant	reluctant	ADJ
easat-8335	103	23	to	to	PART
easat-8335	103	24	utilise	utilise	VERB
easat-8335	103	25	e	e	NOUN
easat-8335	103	26	-	-	NOUN
easat-8335	103	27	payment	payment	NOUN
easat-8335	103	28	platforms	platform	NOUN
easat-8335	103	29	if	if	SCONJ
easat-8335	103	30	they	they	PRON
easat-8335	103	31	have	have	VERB
easat-8335	103	32	doubts	doubt	NOUN
easat-8335	103	33	about	about	ADP
easat-8335	103	34	its	its	PRON
easat-8335	103	35	operational	operational	ADJ
easat-8335	103	36	dependability	dependability	NOUN
easat-8335	103	37	and	and	CCONJ
easat-8335	103	38	security	security	NOUN
easat-8335	103	39	.	.	PUNCT
easat-8335	104	1	in	in	ADP
easat-8335	104	2	the	the	DET
easat-8335	104	3	adoption	adoption	NOUN
easat-8335	104	4	phase	phase	NOUN
easat-8335	104	5	,	,	PUNCT
easat-8335	104	6	trust	trust	NOUN
easat-8335	104	7	is	be	AUX
easat-8335	104	8	also	also	ADV
easat-8335	104	9	acknowledged	acknowledge	VERB
easat-8335	104	10	as	as	ADP
easat-8335	104	11	a	a	DET
easat-8335	104	12	mediator	mediator	NOUN
easat-8335	104	13	that	that	PRON
easat-8335	104	14	bridges	bridge	VERB
easat-8335	104	15	the	the	DET
easat-8335	104	16	gap	gap	NOUN
easat-8335	104	17	between	between	ADP
easat-8335	104	18	users	user	NOUN
easat-8335	104	19	'	'	PART
easat-8335	104	20	acceptance	acceptance	NOUN
easat-8335	104	21	of	of	ADP
easat-8335	104	22	e	e	NOUN
easat-8335	104	23	-	-	NOUN
easat-8335	104	24	payment	payment	NOUN
easat-8335	104	25	services	service	NOUN
easat-8335	104	26	and	and	CCONJ
easat-8335	104	27	important	important	ADJ
easat-8335	104	28	technological	technological	ADJ
easat-8335	104	29	aspects	aspect	NOUN
easat-8335	104	30	like	like	ADP
easat-8335	104	31	perceived	perceive	VERB
easat-8335	104	32	utility	utility	NOUN
easat-8335	104	33	(	(	PUNCT
easat-8335	104	34	pu	pu	PROPN
easat-8335	104	35	)	)	PUNCT
easat-8335	104	36	and	and	CCONJ
easat-8335	104	37	perceived	perceive	VERB
easat-8335	104	38	ease	ease	NOUN
easat-8335	104	39	of	of	ADP
easat-8335	104	40	use	use	NOUN
easat-8335	104	41	(	(	PUNCT
easat-8335	104	42	peu	peu	NOUN
easat-8335	104	43	)	)	PUNCT
easat-8335	105	1	[	[	X
easat-8335	105	2	29	29	NUM
easat-8335	105	3	]	]	PUNCT
easat-8335	105	4	.	.	PUNCT
easat-8335	106	1	according	accord	VERB
easat-8335	106	2	to	to	ADP
easat-8335	106	3	the	the	DET
easat-8335	106	4	unified	unified	ADJ
easat-8335	106	5	theory	theory	NOUN
easat-8335	106	6	of	of	ADP
easat-8335	106	7	acceptance	acceptance	NOUN
easat-8335	106	8	and	and	CCONJ
easat-8335	106	9	use	use	NOUN
easat-8335	106	10	of	of	ADP
easat-8335	106	11	technology	technology	NOUN
easat-8335	106	12	(	(	PUNCT
easat-8335	106	13	utaut	utaut	NOUN
easat-8335	106	14	)	)	PUNCT
easat-8335	106	15	and	and	CCONJ
easat-8335	106	16	the	the	DET
easat-8335	106	17	technology	technology	NOUN
easat-8335	106	18	acceptance	acceptance	NOUN
easat-8335	106	19	model	model	NOUN
easat-8335	106	20	(	(	PUNCT
easat-8335	106	21	tam	tam	PROPN
easat-8335	106	22	)	)	PUNCT
easat-8335	106	23	,	,	PUNCT
easat-8335	106	24	trust	trust	NOUN
easat-8335	106	25	increases	increase	VERB
easat-8335	106	26	users	user	NOUN
easat-8335	106	27	'	'	PART
easat-8335	106	28	perception	perception	NOUN
easat-8335	106	29	of	of	ADP
easat-8335	106	30	the	the	DET
easat-8335	106	31	system	system	NOUN
easat-8335	106	32	's	's	PART
easat-8335	106	33	advantages	advantage	NOUN
easat-8335	106	34	and	and	CCONJ
easat-8335	106	35	increases	increase	VERB
easat-8335	106	36	their	their	PRON
easat-8335	106	37	likelihood	likelihood	NOUN
easat-8335	106	38	that	that	SCONJ
easat-8335	106	39	e	e	NOUN
easat-8335	106	40	-	-	ADJ
easat-8335	106	41	payment	payment	ADJ
easat-8335	106	42	services	service	NOUN
easat-8335	106	43	will	will	AUX
easat-8335	106	44	be	be	AUX
easat-8335	106	45	helpful	helpful	ADJ
easat-8335	106	46	and	and	CCONJ
easat-8335	106	47	simple	simple	ADJ
easat-8335	106	48	to	to	AUX
easat-8335	106	49	use	use	VERB
easat-8335	106	50	,	,	PUNCT
easat-8335	106	51	both	both	PRON
easat-8335	106	52	of	of	ADP
easat-8335	106	53	which	which	PRON
easat-8335	106	54	increase	increase	VERB
easat-8335	106	55	users	user	NOUN
easat-8335	106	56	'	'	PART
easat-8335	106	57	intention	intention	NOUN
easat-8335	106	58	to	to	PART
easat-8335	106	59	adopt	adopt	VERB
easat-8335	106	60	[	[	X
easat-8335	106	61	30	30	NUM
easat-8335	106	62	]	]	PUNCT
easat-8335	106	63	.	.	PUNCT
easat-8335	107	1	according	accord	VERB
easat-8335	107	2	to	to	ADP
easat-8335	107	3	the	the	DET
easat-8335	107	4	perceived	perceive	VERB
easat-8335	107	5	risk	risk	NOUN
easat-8335	107	6	-	-	PUNCT
easat-8335	107	7	trust	trust	NOUN
easat-8335	107	8	model	model	NOUN
easat-8335	107	9	,	,	PUNCT
easat-8335	107	10	consumers	consumer	NOUN
easat-8335	107	11	may	may	AUX
easat-8335	107	12	concentrate	concentrate	VERB
easat-8335	107	13	on	on	ADP
easat-8335	107	14	the	the	DET
easat-8335	107	15	practical	practical	ADJ
easat-8335	107	16	benefits	benefit	NOUN
easat-8335	107	17	of	of	ADP
easat-8335	107	18	an	an	DET
easat-8335	107	19	e	e	NOUN
easat-8335	107	20	-	-	ADJ
easat-8335	107	21	payment	payment	NOUN
easat-8335	107	22	system	system	NOUN
easat-8335	107	23	when	when	SCONJ
easat-8335	107	24	they	they	PRON
easat-8335	107	25	have	have	VERB
easat-8335	107	26	confidence	confidence	NOUN
easat-8335	107	27	in	in	ADP
easat-8335	107	28	it	it	PRON
easat-8335	107	29	,	,	PUNCT
easat-8335	107	30	as	as	SCONJ
easat-8335	107	31	their	their	PRON
easat-8335	107	32	worries	worry	NOUN
easat-8335	107	33	about	about	ADP
easat-8335	107	34	security	security	NOUN
easat-8335	107	35	and	and	CCONJ
easat-8335	107	36	privacy	privacy	NOUN
easat-8335	107	37	are	be	AUX
easat-8335	107	38	lessened	lessen	VERB
easat-8335	107	39	[	[	X
easat-8335	107	40	31	31	NUM
easat-8335	107	41	]	]	PUNCT
easat-8335	107	42	.	.	PUNCT
easat-8335	108	1	additionally	additionally	ADV
easat-8335	108	2	,	,	PUNCT
easat-8335	108	3	research	research	NOUN
easat-8335	108	4	demonstrates	demonstrate	VERB
easat-8335	108	5	that	that	SCONJ
easat-8335	108	6	trust	trust	NOUN
easat-8335	108	7	has	have	VERB
easat-8335	108	8	a	a	DET
easat-8335	108	9	positive	positive	ADJ
easat-8335	108	10	impact	impact	NOUN
easat-8335	108	11	on	on	ADP
easat-8335	108	12	behavioural	behavioural	ADJ
easat-8335	108	13	intention	intention	NOUN
easat-8335	108	14	in	in	ADP
easat-8335	108	15	a	a	DET
easat-8335	108	16	variety	variety	NOUN
easat-8335	108	17	of	of	ADP
easat-8335	108	18	digital	digital	ADJ
easat-8335	108	19	financial	financial	ADJ
easat-8335	108	20	services	service	NOUN
easat-8335	108	21	,	,	PUNCT
easat-8335	108	22	such	such	ADJ
easat-8335	108	23	as	as	ADP
easat-8335	108	24	e	e	NOUN
easat-8335	108	25	-	-	NOUN
easat-8335	108	26	wallets	wallet	NOUN
easat-8335	108	27	[	[	PUNCT
easat-8335	108	28	32	32	NUM
easat-8335	108	29	]	]	PUNCT
easat-8335	108	30	fintech	fintech	NOUN
easat-8335	108	31	applications	application	NOUN
easat-8335	108	32	[	[	X
easat-8335	108	33	33	33	NUM
easat-8335	108	34	]	]	PUNCT
easat-8335	108	35	and	and	CCONJ
easat-8335	108	36	mobile	mobile	ADJ
easat-8335	108	37	banking	banking	NOUN
easat-8335	108	38	[	[	X
easat-8335	108	39	24	24	NUM
easat-8335	108	40	]	]	PUNCT
easat-8335	108	41	.	.	PUNCT
easat-8335	109	1	this	this	PRON
easat-8335	109	2	supports	support	VERB
easat-8335	109	3	the	the	DET
easat-8335	109	4	idea	idea	NOUN
easat-8335	109	5	that	that	SCONJ
easat-8335	109	6	trust	trust	NOUN
easat-8335	109	7	is	be	AUX
easat-8335	109	8	a	a	DET
easat-8335	109	9	crucial	crucial	ADJ
easat-8335	109	10	factor	factor	NOUN
easat-8335	109	11	in	in	ADP
easat-8335	109	12	determining	determine	VERB
easat-8335	109	13	the	the	DET
easat-8335	109	14	adoption	adoption	NOUN
easat-8335	109	15	of	of	ADP
easat-8335	109	16	new	new	ADJ
easat-8335	109	17	technologies	technology	NOUN
easat-8335	109	18	.	.	PUNCT
easat-8335	110	1	financial	financial	ADJ
easat-8335	110	2	institutions	institution	NOUN
easat-8335	110	3	and	and	CCONJ
easat-8335	110	4	service	service	NOUN
easat-8335	110	5	providers	provider	NOUN
easat-8335	110	6	may	may	AUX
easat-8335	110	7	boost	boost	VERB
easat-8335	110	8	user	user	NOUN
easat-8335	110	9	confidence	confidence	NOUN
easat-8335	110	10	in	in	ADP
easat-8335	110	11	digital	digital	ADJ
easat-8335	110	12	payment	payment	NOUN
easat-8335	110	13	platforms	platform	NOUN
easat-8335	110	14	and	and	CCONJ
easat-8335	110	15	increase	increase	VERB
easat-8335	110	16	acceptance	acceptance	NOUN
easat-8335	110	17	rates	rate	NOUN
easat-8335	110	18	and	and	CCONJ
easat-8335	110	19	adoption	adoption	NOUN
easat-8335	110	20	by	by	ADP
easat-8335	110	21	cultivating	cultivate	VERB
easat-8335	110	22	trust	trust	NOUN
easat-8335	110	23	.	.	PUNCT
easat-8335	111	1	therefore	therefore	ADV
easat-8335	111	2	,	,	PUNCT
easat-8335	111	3	this	this	DET
easat-8335	111	4	study	study	NOUN
easat-8335	111	5	hypothesizes	hypothesize	VERB
easat-8335	111	6	that	that	PRON
easat-8335	111	7	trust	trust	NOUN
easat-8335	111	8	positively	positively	ADV
easat-8335	111	9	influences	influence	VERB
easat-8335	111	10	the	the	DET
easat-8335	111	11	acceptance	acceptance	NOUN
easat-8335	111	12	of	of	ADP
easat-8335	111	13	e	e	NOUN
easat-8335	111	14	-	-	NOUN
easat-8335	111	15	payment	payment	NOUN
easat-8335	111	16	systems	system	NOUN
easat-8335	111	17	(	(	PUNCT
easat-8335	111	18	h1	h1	PROPN
easat-8335	111	19	)	)	PUNCT
easat-8335	111	20	and	and	CCONJ
easat-8335	111	21	mediates	mediate	VERB
easat-8335	111	22	the	the	DET
easat-8335	111	23	relationship	relationship	NOUN
easat-8335	111	24	between	between	ADP
easat-8335	111	25	perceived	perceive	VERB
easat-8335	111	26	usefulness	usefulness	NOUN
easat-8335	111	27	and	and	CCONJ
easat-8335	111	28	acceptance	acceptance	NOUN
easat-8335	111	29	(	(	PUNCT
easat-8335	111	30	h2	h2	NOUN
easat-8335	111	31	)	)	PUNCT
easat-8335	111	32	,	,	PUNCT
easat-8335	111	33	reinforcing	reinforce	VERB
easat-8335	111	34	its	its	PRON
easat-8335	111	35	critical	critical	ADJ
easat-8335	111	36	role	role	NOUN
easat-8335	111	37	in	in	ADP
easat-8335	111	38	shaping	shape	VERB
easat-8335	111	39	user	user	NOUN
easat-8335	111	40	behavior	behavior	NOUN
easat-8335	111	41	toward	toward	ADP
easat-8335	111	42	digital	digital	ADJ
easat-8335	111	43	financial	financial	ADJ
easat-8335	111	44	services	service	NOUN
easat-8335	111	45	.	.	PUNCT
easat-8335	112	1	h3	h3	NOUN
easat-8335	112	2	:	:	PUNCT
easat-8335	112	3	trust	trust	NOUN
easat-8335	112	4	positively	positively	ADV
easat-8335	112	5	influences	influence	VERB
easat-8335	112	6	the	the	DET
easat-8335	112	7	acceptance	acceptance	NOUN
easat-8335	112	8	of	of	ADP
easat-8335	112	9	electronic	electronic	ADJ
easat-8335	112	10	payment	payment	NOUN
easat-8335	112	11	systems	system	NOUN
easat-8335	112	12	.	.	PUNCT
easat-8335	113	1	h4	h4	NOUN
easat-8335	113	2	:	:	PUNCT
easat-8335	113	3	trust	trust	NOUN
easat-8335	113	4	mediates	mediate	VERB
easat-8335	113	5	the	the	DET
easat-8335	113	6	relationship	relationship	NOUN
easat-8335	113	7	between	between	ADP
easat-8335	113	8	perceived	perceive	VERB
easat-8335	113	9	usefulness	usefulness	NOUN
easat-8335	113	10	and	and	CCONJ
easat-8335	113	11	the	the	DET
easat-8335	113	12	acceptance	acceptance	NOUN
easat-8335	113	13	of	of	ADP
easat-8335	113	14	electronic	electronic	ADJ
easat-8335	113	15	payment	payment	NOUN
easat-8335	113	16	systems	system	NOUN
easat-8335	113	17	.	.	PUNCT
easat-8335	114	1	h5	h5	PROPN
easat-8335	114	2	:	:	PUNCT
easat-8335	114	3	trust	trust	NOUN
easat-8335	114	4	mediates	mediate	VERB
easat-8335	114	5	the	the	DET
easat-8335	114	6	relationship	relationship	NOUN
easat-8335	114	7	between	between	ADP
easat-8335	114	8	perceived	perceive	VERB
easat-8335	114	9	ease	ease	NOUN
easat-8335	114	10	of	of	ADP
easat-8335	114	11	use	use	NOUN
easat-8335	114	12	and	and	CCONJ
easat-8335	114	13	the	the	DET
easat-8335	114	14	acceptance	acceptance	NOUN
easat-8335	114	15	of	of	ADP
easat-8335	114	16	electronic	electronic	ADJ
easat-8335	114	17	payment	payment	NOUN
easat-8335	114	18	systems	system	NOUN
easat-8335	114	19	.	.	PUNCT
easat-8335	115	1	2.3.4	2.3.4	X
easat-8335	115	2	.	.	X
easat-8335	115	3	security	security	NOUN
easat-8335	115	4	as	as	ADP
easat-8335	115	5	a	a	DET
easat-8335	115	6	moderator	moderator	NOUN
easat-8335	115	7	the	the	DET
easat-8335	115	8	adoption	adoption	NOUN
easat-8335	115	9	of	of	ADP
easat-8335	115	10	electronic	electronic	ADJ
easat-8335	115	11	payment	payment	NOUN
easat-8335	115	12	(	(	PUNCT
easat-8335	115	13	e	e	NOUN
easat-8335	115	14	-	-	NOUN
easat-8335	115	15	payment	payment	NOUN
easat-8335	115	16	)	)	PUNCT
easat-8335	115	17	systems	system	NOUN
easat-8335	115	18	is	be	AUX
easat-8335	115	19	heavily	heavily	ADV
easat-8335	115	20	influenced	influence	VERB
easat-8335	115	21	by	by	ADP
easat-8335	115	22	security	security	NOUN
easat-8335	115	23	,	,	PUNCT
easat-8335	115	24	since	since	SCONJ
easat-8335	115	25	users	user	NOUN
easat-8335	115	26	may	may	AUX
easat-8335	115	27	be	be	AUX
easat-8335	115	28	discouraged	discourage	VERB
easat-8335	115	29	from	from	ADP
easat-8335	115	30	adopting	adopt	VERB
easat-8335	115	31	digital	digital	ADJ
easat-8335	115	32	transactions	transaction	NOUN
easat-8335	115	33	due	due	ADJ
easat-8335	115	34	to	to	ADP
easat-8335	115	35	worries	worry	NOUN
easat-8335	115	36	about	about	ADP
easat-8335	115	37	fraud	fraud	NOUN
easat-8335	115	38	,	,	PUNCT
easat-8335	115	39	data	datum	NOUN
easat-8335	115	40	breaches	breach	NOUN
easat-8335	115	41	,	,	PUNCT
easat-8335	115	42	and	and	CCONJ
easat-8335	115	43	unauthorised	unauthorised	ADJ
easat-8335	115	44	access	access	NOUN
easat-8335	115	45	[	[	X
easat-8335	115	46	19	19	NUM
easat-8335	115	47	,	,	PUNCT
easat-8335	115	48	24	24	NUM
easat-8335	115	49	]	]	PUNCT
easat-8335	115	50	.	.	PUNCT
easat-8335	116	1	one	one	NUM
easat-8335	116	2	of	of	ADP
easat-8335	116	3	the	the	DET
easat-8335	116	4	most	most	ADV
easat-8335	116	5	important	important	ADJ
easat-8335	116	6	issues	issue	NOUN
easat-8335	116	7	with	with	ADP
easat-8335	116	8	electronic	electronic	ADJ
easat-8335	116	9	payments	payment	NOUN
easat-8335	116	10	is	be	AUX
easat-8335	116	11	security	security	NOUN
easat-8335	116	12	.	.	PUNCT
easat-8335	117	1	users	user	NOUN
easat-8335	117	2	may	may	AUX
easat-8335	117	3	be	be	AUX
easat-8335	117	4	deterred	deter	VERB
easat-8335	117	5	from	from	ADP
easat-8335	117	6	embracing	embrace	VERB
easat-8335	117	7	digital	digital	ADJ
easat-8335	117	8	transactions	transaction	NOUN
easat-8335	117	9	by	by	ADP
easat-8335	117	10	security	security	NOUN
easat-8335	117	11	threats	threat	NOUN
easat-8335	117	12	including	include	VERB
easat-8335	117	13	fraud	fraud	NOUN
easat-8335	117	14	and	and	CCONJ
easat-8335	117	15	data	datum	NOUN
easat-8335	117	16	breaches	breach	NOUN
easat-8335	117	17	martins	martin	NOUN
easat-8335	117	18	,	,	PUNCT
easat-8335	117	19	et	et	PROPN
easat-8335	117	20	al	al	PROPN
easat-8335	117	21	.	.	PUNCT
easat-8335	118	1	[	[	X
easat-8335	118	2	19	19	NUM
easat-8335	118	3	]	]	PUNCT
easat-8335	118	4	.	.	PUNCT
easat-8335	118	5	tsiakis	tsiaki	NOUN
easat-8335	118	6	and	and	CCONJ
easat-8335	118	7	sthephanides	sthephanide	NOUN
easat-8335	118	8	[	[	X
easat-8335	118	9	34	34	NUM
easat-8335	118	10	]	]	PUNCT
easat-8335	118	11	found	find	VERB
easat-8335	118	12	that	that	SCONJ
easat-8335	118	13	perceived	perceive	VERB
easat-8335	118	14	security	security	NOUN
easat-8335	118	15	has	have	VERB
easat-8335	118	16	a	a	DET
easat-8335	118	17	direct	direct	ADJ
easat-8335	118	18	impact	impact	NOUN
easat-8335	118	19	on	on	ADP
easat-8335	118	20	consumer	consumer	NOUN
easat-8335	118	21	trust	trust	NOUN
easat-8335	118	22	and	and	CCONJ
easat-8335	118	23	the	the	DET
easat-8335	118	24	perceived	perceive	VERB
easat-8335	118	25	utility	utility	NOUN
easat-8335	118	26	of	of	ADP
easat-8335	118	27	e	e	NOUN
easat-8335	118	28	-	-	NOUN
easat-8335	118	29	payment	payment	NOUN
easat-8335	118	30	platforms	platform	NOUN
easat-8335	118	31	,	,	PUNCT
easat-8335	118	32	which	which	PRON
easat-8335	118	33	in	in	ADP
easat-8335	118	34	turn	turn	NOUN
easat-8335	118	35	affects	affect	VERB
easat-8335	118	36	adoption	adoption	NOUN
easat-8335	118	37	.	.	PUNCT
easat-8335	119	1	in	in	ADP
easat-8335	119	2	addition	addition	NOUN
easat-8335	119	3	to	to	ADP
easat-8335	119	4	lowering	lower	VERB
easat-8335	119	5	perceived	perceive	VERB
easat-8335	119	6	risk	risk	NOUN
easat-8335	119	7	,	,	PUNCT
easat-8335	119	8	security	security	NOUN
easat-8335	119	9	features	feature	VERB
easat-8335	119	10	like	like	ADP
easat-8335	119	11	encryption	encryption	NOUN
easat-8335	119	12	,	,	PUNCT
easat-8335	119	13	multi	multi	ADJ
easat-8335	119	14	-	-	ADJ
easat-8335	119	15	factor	factor	NOUN
easat-8335	119	16	authentication	authentication	NOUN
easat-8335	119	17	,	,	PUNCT
easat-8335	119	18	and	and	CCONJ
easat-8335	119	19	fraud	fraud	NOUN
easat-8335	119	20	detection	detection	NOUN
easat-8335	119	21	significantly	significantly	ADV
easat-8335	119	22	increase	increase	VERB
easat-8335	119	23	user	user	NOUN
easat-8335	119	24	confidence	confidence	NOUN
easat-8335	119	25	and	and	CCONJ
easat-8335	119	26	acceptance	acceptance	NOUN
easat-8335	119	27	by	by	ADP
easat-8335	119	28	bolstering	bolster	VERB
easat-8335	119	29	trust	trust	NOUN
easat-8335	119	30	in	in	ADP
easat-8335	119	31	digital	digital	ADJ
easat-8335	119	32	financial	financial	ADJ
easat-8335	119	33	services	service	NOUN
easat-8335	119	34	[	[	X
easat-8335	119	35	35	35	NUM
easat-8335	119	36	]	]	PUNCT
easat-8335	119	37	.	.	PUNCT
easat-8335	120	1	theoretically	theoretically	ADV
easat-8335	120	2	,	,	PUNCT
easat-8335	120	3	the	the	DET
easat-8335	120	4	unified	unified	ADJ
easat-8335	120	5	theory	theory	NOUN
easat-8335	120	6	of	of	ADP
easat-8335	120	7	acceptance	acceptance	NOUN
easat-8335	120	8	and	and	CCONJ
easat-8335	120	9	use	use	NOUN
easat-8335	120	10	of	of	ADP
easat-8335	120	11	technology	technology	NOUN
easat-8335	120	12	(	(	PUNCT
easat-8335	120	13	utaut	utaut	NOUN
easat-8335	120	14	)	)	PUNCT
easat-8335	120	15	and	and	CCONJ
easat-8335	120	16	the	the	DET
easat-8335	120	17	technology	technology	NOUN
easat-8335	120	18	acceptance	acceptance	NOUN
easat-8335	120	19	model	model	NOUN
easat-8335	120	20	(	(	PUNCT
easat-8335	120	21	tam	tam	PROPN
easat-8335	120	22	)	)	PUNCT
easat-8335	120	23	both	both	PRON
easat-8335	120	24	highlight	highlight	VERB
easat-8335	120	25	how	how	SCONJ
easat-8335	120	26	outside	outside	ADJ
easat-8335	120	27	variables	variable	NOUN
easat-8335	120	28	like	like	ADP
easat-8335	120	29	security	security	NOUN
easat-8335	120	30	increase	increase	VERB
easat-8335	120	31	a	a	DET
easat-8335	120	32	technology	technology	NOUN
easat-8335	120	33	's	's	PART
easat-8335	120	34	perceived	perceive	VERB
easat-8335	120	35	advantages	advantage	NOUN
easat-8335	120	36	[	[	X
easat-8335	120	37	30	30	NUM
easat-8335	120	38	]	]	PUNCT
easat-8335	120	39	.	.	PUNCT
easat-8335	121	1	by	by	ADP
easat-8335	121	2	enhancing	enhance	VERB
easat-8335	121	3	trust	trust	NOUN
easat-8335	121	4	when	when	SCONJ
easat-8335	121	5	users	user	NOUN
easat-8335	121	6	believe	believe	VERB
easat-8335	121	7	the	the	DET
easat-8335	121	8	system	system	NOUN
easat-8335	121	9	is	be	AUX
easat-8335	121	10	extremely	extremely	ADV
easat-8335	121	11	secure	secure	ADJ
easat-8335	121	12	,	,	PUNCT
easat-8335	121	13	security	security	NOUN
easat-8335	121	14	moderates	moderate	VERB
easat-8335	121	15	the	the	DET
easat-8335	121	16	relationship	relationship	NOUN
easat-8335	121	17	between	between	ADP
easat-8335	121	18	trust	trust	NOUN
easat-8335	121	19	and	and	CCONJ
easat-8335	121	20	acceptance	acceptance	NOUN
easat-8335	121	21	of	of	ADP
easat-8335	121	22	e	e	NOUN
easat-8335	121	23	-	-	NOUN
easat-8335	121	24	payments	payment	NOUN
easat-8335	121	25	and	and	CCONJ
easat-8335	121	26	increases	increase	VERB
easat-8335	121	27	adoption	adoption	NOUN
easat-8335	121	28	intentions	intention	NOUN
easat-8335	121	29	[	[	X
easat-8335	121	30	36	36	NUM
easat-8335	121	31	]	]	PUNCT
easat-8335	121	32	.	.	PUNCT
easat-8335	122	1	by	by	ADP
easat-8335	122	2	2195	2195	NUM
easat-8335	122	3	edelweiss	edelweiss	PROPN
easat-8335	122	4	applied	apply	VERB
easat-8335	122	5	science	science	NOUN
easat-8335	122	6	and	and	CCONJ
easat-8335	122	7	technology	technology	NOUN
easat-8335	122	8	issn	issn	PROPN
easat-8335	122	9	:	:	PUNCT
easat-8335	122	10	2576	2576	NUM
easat-8335	122	11	-	-	SYM
easat-8335	122	12	8484	8484	NUM
easat-8335	122	13	vol	vol	NOUN
easat-8335	122	14	.	.	PROPN
easat-8335	123	1	9	9	NUM
easat-8335	123	2	,	,	PUNCT
easat-8335	123	3	no	no	INTJ
easat-8335	123	4	.	.	NOUN
easat-8335	123	5	6	6	NUM
easat-8335	123	6	:	:	SYM
easat-8335	123	7	2191	2191	NUM
easat-8335	123	8	-	-	SYM
easat-8335	123	9	2202	2202	NUM
easat-8335	123	10	,	,	PUNCT
easat-8335	123	11	2025	2025	NUM
easat-8335	123	12	doi	doi	NOUN
easat-8335	123	13	:	:	PUNCT
easat-8335	124	1	10.55214/25768484.v9i6.8335	10.55214/25768484.v9i6.8335	NUM
easat-8335	124	2	©	©	PROPN
easat-8335	124	3	2025	2025	NUM
easat-8335	124	4	by	by	ADP
easat-8335	124	5	the	the	DET
easat-8335	124	6	authors	author	NOUN
easat-8335	124	7	;	;	PUNCT
easat-8335	124	8	licensee	licensee	PROPN
easat-8335	124	9	learning	learning	NOUN
easat-8335	124	10	gate	gate	NOUN
easat-8335	124	11	strengthening	strengthen	VERB
easat-8335	124	12	users	user	NOUN
easat-8335	124	13	'	'	PART
easat-8335	124	14	perceptions	perception	NOUN
easat-8335	124	15	of	of	ADP
easat-8335	124	16	the	the	DET
easat-8335	124	17	system	system	NOUN
easat-8335	124	18	's	's	PART
easat-8335	124	19	benefits	benefit	NOUN
easat-8335	124	20	and	and	CCONJ
easat-8335	124	21	dependability	dependability	NOUN
easat-8335	124	22	,	,	PUNCT
easat-8335	124	23	security	security	NOUN
easat-8335	124	24	also	also	ADV
easat-8335	124	25	moderates	moderate	VERB
easat-8335	124	26	the	the	DET
easat-8335	124	27	relationship	relationship	NOUN
easat-8335	124	28	between	between	ADP
easat-8335	124	29	perceived	perceive	VERB
easat-8335	124	30	usefulness	usefulness	NOUN
easat-8335	124	31	and	and	CCONJ
easat-8335	124	32	acceptance	acceptance	NOUN
easat-8335	124	33	,	,	PUNCT
easat-8335	124	34	reducing	reduce	VERB
easat-8335	124	35	worries	worry	NOUN
easat-8335	124	36	that	that	PRON
easat-8335	124	37	might	might	AUX
easat-8335	124	38	otherwise	otherwise	ADV
easat-8335	124	39	restrict	restrict	VERB
easat-8335	124	40	adoption	adoption	NOUN
easat-8335	124	41	[	[	X
easat-8335	124	42	24	24	NUM
easat-8335	124	43	,	,	PUNCT
easat-8335	124	44	29	29	NUM
easat-8335	124	45	,	,	PUNCT
easat-8335	124	46	31	31	NUM
easat-8335	124	47	]	]	PUNCT
easat-8335	124	48	.	.	PUNCT
easat-8335	125	1	stronger	strong	ADJ
easat-8335	125	2	security	security	NOUN
easat-8335	125	3	perceptions	perception	NOUN
easat-8335	125	4	,	,	PUNCT
easat-8335	125	5	according	accord	VERB
easat-8335	125	6	to	to	ADP
easat-8335	125	7	empirical	empirical	ADJ
easat-8335	125	8	data	datum	NOUN
easat-8335	125	9	,	,	PUNCT
easat-8335	125	10	enable	enable	VERB
easat-8335	125	11	users	user	NOUN
easat-8335	125	12	to	to	PART
easat-8335	125	13	concentrate	concentrate	VERB
easat-8335	125	14	on	on	ADP
easat-8335	125	15	the	the	DET
easat-8335	125	16	practical	practical	ADJ
easat-8335	125	17	benefits	benefit	NOUN
easat-8335	125	18	of	of	ADP
easat-8335	125	19	e	e	NOUN
easat-8335	125	20	-	-	NOUN
easat-8335	125	21	payment	payment	NOUN
easat-8335	125	22	systems	system	NOUN
easat-8335	125	23	,	,	PUNCT
easat-8335	125	24	increasing	increase	VERB
easat-8335	125	25	their	their	PRON
easat-8335	125	26	propensity	propensity	NOUN
easat-8335	125	27	to	to	PART
easat-8335	125	28	trade	trade	VERB
easat-8335	125	29	online	online	ADV
easat-8335	126	1	[	[	X
easat-8335	126	2	32	32	NUM
easat-8335	126	3	,	,	PUNCT
easat-8335	126	4	37	37	NUM
easat-8335	126	5	]	]	PUNCT
easat-8335	126	6	.	.	PUNCT
easat-8335	127	1	therefore	therefore	ADV
easat-8335	127	2	,	,	PUNCT
easat-8335	127	3	this	this	DET
easat-8335	127	4	study	study	NOUN
easat-8335	127	5	hypothesizes	hypothesize	VERB
easat-8335	127	6	that	that	SCONJ
easat-8335	127	7	security	security	NOUN
easat-8335	127	8	positively	positively	ADV
easat-8335	127	9	moderates	moderate	VERB
easat-8335	127	10	both	both	CCONJ
easat-8335	127	11	the	the	DET
easat-8335	127	12	relationship	relationship	NOUN
easat-8335	127	13	between	between	ADP
easat-8335	127	14	trust	trust	NOUN
easat-8335	127	15	and	and	CCONJ
easat-8335	127	16	e	e	NOUN
easat-8335	127	17	-	-	NOUN
easat-8335	127	18	payment	payment	NOUN
easat-8335	127	19	acceptance	acceptance	NOUN
easat-8335	127	20	(	(	PUNCT
easat-8335	127	21	h6	h6	PROPN
easat-8335	127	22	)	)	PUNCT
easat-8335	127	23	and	and	CCONJ
easat-8335	127	24	the	the	DET
easat-8335	127	25	relationship	relationship	NOUN
easat-8335	127	26	between	between	ADP
easat-8335	127	27	perceived	perceive	VERB
easat-8335	127	28	usefulness	usefulness	NOUN
easat-8335	127	29	and	and	CCONJ
easat-8335	127	30	acceptance	acceptance	NOUN
easat-8335	127	31	(	(	PUNCT
easat-8335	127	32	h7	h7	PROPN
easat-8335	127	33	)	)	PUNCT
easat-8335	127	34	,	,	PUNCT
easat-8335	127	35	reinforcing	reinforce	VERB
easat-8335	127	36	their	their	PRON
easat-8335	127	37	impact	impact	NOUN
easat-8335	127	38	on	on	ADP
easat-8335	127	39	user	user	NOUN
easat-8335	127	40	adoption	adoption	NOUN
easat-8335	127	41	.	.	PUNCT
easat-8335	128	1	h6	h6	NOUN
easat-8335	128	2	:	:	PUNCT
easat-8335	128	3	security	security	NOUN
easat-8335	128	4	moderates	moderate	VERB
easat-8335	128	5	the	the	DET
easat-8335	128	6	relationship	relationship	NOUN
easat-8335	128	7	between	between	ADP
easat-8335	128	8	trust	trust	NOUN
easat-8335	128	9	and	and	CCONJ
easat-8335	128	10	the	the	DET
easat-8335	128	11	acceptance	acceptance	NOUN
easat-8335	128	12	of	of	ADP
easat-8335	128	13	electronic	electronic	ADJ
easat-8335	128	14	payment	payment	NOUN
easat-8335	128	15	systems	system	NOUN
easat-8335	128	16	,	,	PUNCT
easat-8335	128	17	such	such	ADJ
easat-8335	128	18	that	that	SCONJ
easat-8335	128	19	higher	high	ADJ
easat-8335	128	20	security	security	NOUN
easat-8335	128	21	strengthens	strengthen	VERB
easat-8335	128	22	this	this	DET
easat-8335	128	23	relationship	relationship	NOUN
easat-8335	128	24	.	.	PUNCT
easat-8335	129	1	h7	h7	NOUN
easat-8335	129	2	:	:	PUNCT
easat-8335	129	3	security	security	NOUN
easat-8335	129	4	moderates	moderate	VERB
easat-8335	129	5	the	the	DET
easat-8335	129	6	relationship	relationship	NOUN
easat-8335	129	7	between	between	ADP
easat-8335	129	8	perceived	perceive	VERB
easat-8335	129	9	usefulness	usefulness	NOUN
easat-8335	129	10	and	and	CCONJ
easat-8335	129	11	the	the	DET
easat-8335	129	12	acceptance	acceptance	NOUN
easat-8335	129	13	of	of	ADP
easat-8335	129	14	electronic	electronic	ADJ
easat-8335	129	15	payment	payment	NOUN
easat-8335	129	16	systems	system	NOUN
easat-8335	129	17	,	,	PUNCT
easat-8335	129	18	such	such	ADJ
easat-8335	129	19	that	that	SCONJ
easat-8335	129	20	higher	high	ADJ
easat-8335	129	21	security	security	NOUN
easat-8335	129	22	strengthens	strengthen	VERB
easat-8335	129	23	this	this	DET
easat-8335	129	24	relationship	relationship	NOUN
easat-8335	129	25	.	.	PUNCT
easat-8335	130	1	2.4	2.4	NUM
easat-8335	130	2	.	.	PUNCT
easat-8335	130	3	conceptual	conceptual	ADJ
easat-8335	130	4	framework	framework	NOUN
easat-8335	130	5	the	the	DET
easat-8335	130	6	conceptual	conceptual	ADJ
easat-8335	130	7	framework	framework	NOUN
easat-8335	130	8	integrates	integrate	VERB
easat-8335	130	9	trust	trust	NOUN
easat-8335	130	10	as	as	ADP
easat-8335	130	11	a	a	DET
easat-8335	130	12	mediating	mediate	VERB
easat-8335	130	13	factor	factor	NOUN
easat-8335	130	14	between	between	ADP
easat-8335	130	15	perceived	perceive	VERB
easat-8335	130	16	usefulness	usefulness	NOUN
easat-8335	130	17	,	,	PUNCT
easat-8335	130	18	perceived	perceive	VERB
easat-8335	130	19	ease	ease	NOUN
easat-8335	130	20	of	of	ADP
easat-8335	130	21	use	use	NOUN
easat-8335	130	22	,	,	PUNCT
easat-8335	130	23	and	and	CCONJ
easat-8335	130	24	e	e	NOUN
easat-8335	130	25	-	-	NOUN
easat-8335	130	26	payment	payment	NOUN
easat-8335	130	27	adoption	adoption	NOUN
easat-8335	130	28	,	,	PUNCT
easat-8335	130	29	with	with	ADP
easat-8335	130	30	security	security	NOUN
easat-8335	130	31	acting	act	VERB
easat-8335	130	32	as	as	ADP
easat-8335	130	33	a	a	DET
easat-8335	130	34	moderator	moderator	NOUN
easat-8335	130	35	.	.	PUNCT
easat-8335	131	1	figure	figure	NOUN
easat-8335	131	2	1	1	NUM
easat-8335	131	3	.	.	PUNCT
easat-8335	132	1	the	the	DET
easat-8335	132	2	research	research	NOUN
easat-8335	132	3	conceptual	conceptual	ADJ
easat-8335	132	4	framework	framework	NOUN
easat-8335	132	5	developed	develop	VERB
easat-8335	132	6	by	by	ADP
easat-8335	132	7	the	the	DET
easat-8335	132	8	authors	author	NOUN
easat-8335	132	9	.	.	PUNCT
easat-8335	133	1	2.5	2.5	NUM
easat-8335	133	2	.	.	PUNCT
easat-8335	134	1	proposed	propose	VERB
easat-8335	134	2	hypotheses	hypothesis	NOUN
easat-8335	134	3	•	•	ADP
easat-8335	134	4	h1	h1	NOUN
easat-8335	134	5	:	:	PUNCT
easat-8335	134	6	perceived	perceive	VERB
easat-8335	134	7	usefulness	usefulness	NOUN
easat-8335	134	8	positively	positively	ADV
easat-8335	134	9	influences	influence	VERB
easat-8335	134	10	the	the	DET
easat-8335	134	11	acceptance	acceptance	NOUN
easat-8335	134	12	of	of	ADP
easat-8335	134	13	electronic	electronic	ADJ
easat-8335	134	14	payment	payment	NOUN
easat-8335	134	15	systems	system	NOUN
easat-8335	134	16	.	.	PUNCT
easat-8335	135	1	•	•	NUM
easat-8335	135	2	h1	h1	PROPN
easat-8335	135	3	’	'	PUNCT
easat-8335	135	4	:	:	PUNCT
easat-8335	135	5	perceived	perceive	VERB
easat-8335	135	6	usefulness	usefulness	NOUN
easat-8335	135	7	positively	positively	ADV
easat-8335	135	8	influences	influence	VERB
easat-8335	135	9	the	the	DET
easat-8335	135	10	acceptance	acceptance	NOUN
easat-8335	135	11	of	of	ADP
easat-8335	135	12	electronic	electronic	ADJ
easat-8335	135	13	payment	payment	NOUN
easat-8335	135	14	systems	system	NOUN
easat-8335	135	15	.	.	PUNCT
easat-8335	136	1	•	•	NUM
easat-8335	136	2	h2	h2	PROPN
easat-8335	136	3	:	:	PUNCT
easat-8335	136	4	perceived	perceive	VERB
easat-8335	136	5	ease	ease	NOUN
easat-8335	136	6	of	of	ADP
easat-8335	136	7	use	use	NOUN
easat-8335	136	8	positively	positively	ADV
easat-8335	136	9	influences	influence	VERB
easat-8335	136	10	the	the	DET
easat-8335	136	11	acceptance	acceptance	NOUN
easat-8335	136	12	of	of	ADP
easat-8335	136	13	electronic	electronic	ADJ
easat-8335	136	14	payment	payment	NOUN
easat-8335	136	15	systems	system	NOUN
easat-8335	136	16	.	.	PUNCT
easat-8335	137	1	•	•	NUM
easat-8335	137	2	h2	h2	PROPN
easat-8335	137	3	’	'	PUNCT
easat-8335	137	4	:	:	PUNCT
easat-8335	137	5	perceived	perceive	VERB
easat-8335	137	6	ease	ease	NOUN
easat-8335	137	7	of	of	ADP
easat-8335	137	8	use	use	NOUN
easat-8335	137	9	positively	positively	ADV
easat-8335	137	10	influences	influence	VERB
easat-8335	137	11	the	the	DET
easat-8335	137	12	acceptance	acceptance	NOUN
easat-8335	137	13	of	of	ADP
easat-8335	137	14	electronic	electronic	ADJ
easat-8335	137	15	payment	payment	NOUN
easat-8335	137	16	systems	system	NOUN
easat-8335	137	17	.	.	PUNCT
easat-8335	138	1	2196	2196	NUM
easat-8335	138	2	edelweiss	edelweiss	PROPN
easat-8335	138	3	applied	apply	VERB
easat-8335	138	4	science	science	NOUN
easat-8335	138	5	and	and	CCONJ
easat-8335	138	6	technology	technology	NOUN
easat-8335	138	7	issn	issn	PROPN
easat-8335	138	8	:	:	PUNCT
easat-8335	138	9	2576	2576	NUM
easat-8335	138	10	-	-	SYM
easat-8335	138	11	8484	8484	NUM
easat-8335	138	12	vol	vol	NOUN
easat-8335	138	13	.	.	PROPN
easat-8335	139	1	9	9	NUM
easat-8335	139	2	,	,	PUNCT
easat-8335	139	3	no	no	INTJ
easat-8335	139	4	.	.	NOUN
easat-8335	139	5	6	6	NUM
easat-8335	139	6	:	:	SYM
easat-8335	139	7	2191	2191	NUM
easat-8335	139	8	-	-	SYM
easat-8335	139	9	2202	2202	NUM
easat-8335	139	10	,	,	PUNCT
easat-8335	139	11	2025	2025	NUM
easat-8335	139	12	doi	doi	NOUN
easat-8335	139	13	:	:	PUNCT
easat-8335	140	1	10.55214/25768484.v9i6.8335	10.55214/25768484.v9i6.8335	NUM
easat-8335	140	2	©	©	PROPN
easat-8335	140	3	2025	2025	NUM
easat-8335	140	4	by	by	ADP
easat-8335	140	5	the	the	DET
easat-8335	140	6	authors	author	NOUN
easat-8335	140	7	;	;	PUNCT
easat-8335	140	8	licensee	licensee	PROPN
easat-8335	140	9	learning	learning	NOUN
easat-8335	140	10	gate	gate	VERB
easat-8335	140	11	•	•	NUM
easat-8335	140	12	h3	h3	NOUN
easat-8335	140	13	:	:	PUNCT
easat-8335	140	14	trust	trust	NOUN
easat-8335	140	15	positively	positively	ADV
easat-8335	140	16	influences	influence	VERB
easat-8335	140	17	the	the	DET
easat-8335	140	18	acceptance	acceptance	NOUN
easat-8335	140	19	of	of	ADP
easat-8335	140	20	electronic	electronic	ADJ
easat-8335	140	21	payment	payment	NOUN
easat-8335	140	22	systems	system	NOUN
easat-8335	140	23	.	.	PUNCT
easat-8335	141	1	•	•	NUM
easat-8335	141	2	h3	h3	NOUN
easat-8335	141	3	’	'	PUNCT
easat-8335	141	4	:	:	PUNCT
easat-8335	141	5	trust	trust	NOUN
easat-8335	141	6	mediates	mediate	VERB
easat-8335	141	7	the	the	DET
easat-8335	141	8	relationship	relationship	NOUN
easat-8335	141	9	between	between	ADP
easat-8335	141	10	perceived	perceive	VERB
easat-8335	141	11	usefulness	usefulness	NOUN
easat-8335	141	12	and	and	CCONJ
easat-8335	141	13	the	the	DET
easat-8335	141	14	acceptance	acceptance	NOUN
easat-8335	141	15	of	of	ADP
easat-8335	141	16	electronic	electronic	ADJ
easat-8335	141	17	payment	payment	NOUN
easat-8335	141	18	systems	system	NOUN
easat-8335	141	19	.	.	PUNCT
easat-8335	142	1	•	•	NUM
easat-8335	142	2	h3	h3	NOUN
easat-8335	142	3	’’	’'	PUNCT
easat-8335	142	4	:	:	PUNCT
easat-8335	142	5	trust	trust	NOUN
easat-8335	142	6	mediates	mediate	VERB
easat-8335	142	7	the	the	DET
easat-8335	142	8	relationship	relationship	NOUN
easat-8335	142	9	between	between	ADP
easat-8335	142	10	perceived	perceive	VERB
easat-8335	142	11	ease	ease	NOUN
easat-8335	142	12	of	of	ADP
easat-8335	142	13	use	use	NOUN
easat-8335	142	14	and	and	CCONJ
easat-8335	142	15	the	the	DET
easat-8335	142	16	acceptance	acceptance	NOUN
easat-8335	142	17	of	of	ADP
easat-8335	142	18	electronic	electronic	ADJ
easat-8335	142	19	payment	payment	NOUN
easat-8335	142	20	systems	system	NOUN
easat-8335	142	21	.	.	PUNCT
easat-8335	143	1	•	•	NUM
easat-8335	143	2	h4	h4	PROPN
easat-8335	143	3	’	'	PUNCT
easat-8335	143	4	:	:	PUNCT
easat-8335	143	5	security	security	NOUN
easat-8335	143	6	moderates	moderate	VERB
easat-8335	143	7	the	the	DET
easat-8335	143	8	relationship	relationship	NOUN
easat-8335	143	9	between	between	ADP
easat-8335	143	10	trust	trust	NOUN
easat-8335	143	11	and	and	CCONJ
easat-8335	143	12	the	the	DET
easat-8335	143	13	acceptance	acceptance	NOUN
easat-8335	143	14	of	of	ADP
easat-8335	143	15	electronic	electronic	ADJ
easat-8335	143	16	payment	payment	NOUN
easat-8335	143	17	systems	system	NOUN
easat-8335	143	18	,	,	PUNCT
easat-8335	143	19	such	such	ADJ
easat-8335	143	20	that	that	SCONJ
easat-8335	143	21	higher	high	ADJ
easat-8335	143	22	security	security	NOUN
easat-8335	143	23	strengthens	strengthen	VERB
easat-8335	143	24	this	this	DET
easat-8335	143	25	relationship	relationship	NOUN
easat-8335	143	26	.	.	PUNCT
easat-8335	144	1	•	•	NUM
easat-8335	144	2	h4	h4	PROPN
easat-8335	144	3	’’	’'	PUNCT
easat-8335	144	4	:	:	PUNCT
easat-8335	144	5	security	security	NOUN
easat-8335	144	6	moderates	moderate	VERB
easat-8335	144	7	the	the	DET
easat-8335	144	8	relationship	relationship	NOUN
easat-8335	144	9	between	between	ADP
easat-8335	144	10	perceived	perceive	VERB
easat-8335	144	11	usefulness	usefulness	NOUN
easat-8335	144	12	and	and	CCONJ
easat-8335	144	13	the	the	DET
easat-8335	144	14	acceptance	acceptance	NOUN
easat-8335	144	15	of	of	ADP
easat-8335	144	16	electronic	electronic	ADJ
easat-8335	144	17	payment	payment	NOUN
easat-8335	144	18	systems	system	NOUN
easat-8335	144	19	,	,	PUNCT
easat-8335	144	20	such	such	ADJ
easat-8335	144	21	that	that	SCONJ
easat-8335	144	22	higher	high	ADJ
easat-8335	144	23	security	security	NOUN
easat-8335	144	24	strengthens	strengthen	VERB
easat-8335	144	25	this	this	DET
easat-8335	144	26	relationship	relationship	NOUN
easat-8335	144	27	.	.	PUNCT
easat-8335	145	1	this	this	DET
easat-8335	145	2	framework	framework	NOUN
easat-8335	145	3	suggests	suggest	VERB
easat-8335	145	4	that	that	SCONJ
easat-8335	145	5	trust	trust	NOUN
easat-8335	145	6	reduces	reduce	VERB
easat-8335	145	7	uncertainty	uncertainty	NOUN
easat-8335	145	8	and	and	CCONJ
easat-8335	145	9	enhances	enhance	VERB
easat-8335	145	10	the	the	DET
easat-8335	145	11	effect	effect	NOUN
easat-8335	145	12	of	of	ADP
easat-8335	145	13	perceived	perceive	VERB
easat-8335	145	14	usefulness	usefulness	NOUN
easat-8335	145	15	and	and	CCONJ
easat-8335	145	16	ease	ease	NOUN
easat-8335	145	17	of	of	ADP
easat-8335	145	18	use	use	NOUN
easat-8335	145	19	on	on	ADP
easat-8335	145	20	e	e	NOUN
easat-8335	145	21	-	-	NOUN
easat-8335	145	22	payment	payment	NOUN
easat-8335	145	23	acceptance	acceptance	NOUN
easat-8335	145	24	,	,	PUNCT
easat-8335	145	25	while	while	SCONJ
easat-8335	145	26	security	security	NOUN
easat-8335	145	27	strengthens	strengthen	VERB
easat-8335	145	28	these	these	DET
easat-8335	145	29	relationships	relationship	NOUN
easat-8335	145	30	.	.	PUNCT
easat-8335	146	1	further	further	ADJ
easat-8335	146	2	empirical	empirical	ADJ
easat-8335	146	3	research	research	NOUN
easat-8335	146	4	is	be	AUX
easat-8335	146	5	required	require	VERB
easat-8335	146	6	to	to	PART
easat-8335	146	7	validate	validate	VERB
easat-8335	146	8	these	these	DET
easat-8335	146	9	relationships	relationship	NOUN
easat-8335	146	10	in	in	ADP
easat-8335	146	11	the	the	DET
easat-8335	146	12	algerian	algerian	ADJ
easat-8335	146	13	context	context	NOUN
easat-8335	146	14	.	.	PUNCT
easat-8335	147	1	3	3	X
easat-8335	147	2	.	.	X
easat-8335	147	3	research	research	NOUN
easat-8335	147	4	methodology	methodology	NOUN
easat-8335	147	5	3.1	3.1	NUM
easat-8335	147	6	.	.	PUNCT
easat-8335	147	7	data	datum	NOUN
easat-8335	147	8	collection	collection	NOUN
easat-8335	147	9	and	and	CCONJ
easat-8335	147	10	sample	sample	NOUN
easat-8335	147	11	design	design	NOUN
easat-8335	147	12	data	datum	NOUN
easat-8335	147	13	for	for	ADP
easat-8335	147	14	this	this	DET
easat-8335	147	15	study	study	NOUN
easat-8335	147	16	was	be	AUX
easat-8335	147	17	gathered	gather	VERB
easat-8335	147	18	via	via	ADP
easat-8335	147	19	an	an	DET
easat-8335	147	20	online	online	ADJ
easat-8335	147	21	survey	survey	NOUN
easat-8335	147	22	.	.	PUNCT
easat-8335	148	1	the	the	DET
easat-8335	148	2	questionnaire	questionnaire	NOUN
easat-8335	148	3	was	be	AUX
easat-8335	148	4	distributed	distribute	VERB
easat-8335	148	5	from	from	ADP
easat-8335	148	6	july	july	PROPN
easat-8335	148	7	to	to	ADP
easat-8335	148	8	december	december	PROPN
easat-8335	148	9	2024	2024	NUM
easat-8335	148	10	to	to	ADP
easat-8335	148	11	clients	client	NOUN
easat-8335	148	12	in	in	ADP
easat-8335	148	13	algeria	algeria	PROPN
easat-8335	148	14	who	who	PRON
easat-8335	148	15	had	have	AUX
easat-8335	148	16	used	use	VERB
easat-8335	148	17	an	an	DET
easat-8335	148	18	e	e	NOUN
easat-8335	148	19	-	-	ADJ
easat-8335	148	20	payment	payment	ADJ
easat-8335	148	21	method	method	NOUN
easat-8335	148	22	to	to	PART
easat-8335	148	23	perform	perform	VERB
easat-8335	148	24	transactions	transaction	NOUN
easat-8335	148	25	.	.	PUNCT
easat-8335	149	1	as	as	ADP
easat-8335	149	2	a	a	DET
easat-8335	149	3	result	result	NOUN
easat-8335	149	4	,	,	PUNCT
easat-8335	149	5	180	180	NUM
easat-8335	149	6	responses	response	NOUN
easat-8335	149	7	to	to	ADP
easat-8335	149	8	the	the	DET
easat-8335	149	9	questionnaire	questionnaire	NOUN
easat-8335	149	10	were	be	AUX
easat-8335	149	11	qualified	qualified	ADJ
easat-8335	149	12	for	for	ADP
easat-8335	149	13	statistical	statistical	ADJ
easat-8335	149	14	examination	examination	NOUN
easat-8335	149	15	.	.	PUNCT
easat-8335	150	1	convenience	convenience	NOUN
easat-8335	150	2	sampling	sampling	NOUN
easat-8335	150	3	is	be	AUX
easat-8335	150	4	used	use	VERB
easat-8335	150	5	to	to	PART
easat-8335	150	6	obtain	obtain	VERB
easat-8335	150	7	data	datum	NOUN
easat-8335	150	8	via	via	ADP
easat-8335	150	9	the	the	DET
easat-8335	150	10	online	online	ADJ
easat-8335	150	11	form	form	NOUN
easat-8335	150	12	.	.	PUNCT
easat-8335	151	1	in	in	ADP
easat-8335	151	2	order	order	NOUN
easat-8335	151	3	to	to	PART
easat-8335	151	4	get	get	VERB
easat-8335	151	5	more	more	ADJ
easat-8335	151	6	data	datum	NOUN
easat-8335	151	7	about	about	ADP
easat-8335	151	8	the	the	DET
easat-8335	151	9	advantages	advantage	NOUN
easat-8335	151	10	of	of	ADP
easat-8335	151	11	making	make	VERB
easat-8335	151	12	an	an	DET
easat-8335	151	13	electronic	electronic	ADJ
easat-8335	151	14	payment	payment	NOUN
easat-8335	151	15	,	,	PUNCT
easat-8335	151	16	structured	structured	ADJ
easat-8335	151	17	interviews	interview	NOUN
easat-8335	151	18	were	be	AUX
easat-8335	151	19	also	also	ADV
easat-8335	151	20	conducted	conduct	VERB
easat-8335	151	21	with	with	ADP
easat-8335	151	22	a	a	DET
easat-8335	151	23	number	number	NOUN
easat-8335	151	24	of	of	ADP
easat-8335	151	25	respondents	respondent	NOUN
easat-8335	151	26	.	.	PUNCT
easat-8335	152	1	the	the	DET
easat-8335	152	2	author	author	NOUN
easat-8335	152	3	initially	initially	ADV
easat-8335	152	4	translated	translate	VERB
easat-8335	152	5	each	each	DET
easat-8335	152	6	item	item	NOUN
easat-8335	152	7	on	on	ADP
easat-8335	152	8	the	the	DET
easat-8335	152	9	questionnaire	questionnaire	NOUN
easat-8335	152	10	into	into	ADP
easat-8335	152	11	arabic	arabic	ADJ
easat-8335	152	12	before	before	ADP
easat-8335	152	13	translating	translate	VERB
easat-8335	152	14	it	it	PRON
easat-8335	152	15	into	into	ADP
easat-8335	152	16	english	english	PROPN
easat-8335	152	17	to	to	PART
easat-8335	152	18	ensure	ensure	VERB
easat-8335	152	19	consistency	consistency	NOUN
easat-8335	152	20	.	.	PUNCT
easat-8335	153	1	3.2	3.2	NUM
easat-8335	153	2	.	.	PUNCT
easat-8335	154	1	data	datum	NOUN
easat-8335	154	2	analysis	analysis	NOUN
easat-8335	154	3	method	method	NOUN
easat-8335	154	4	the	the	DET
easat-8335	154	5	partial	partial	ADJ
easat-8335	154	6	least	least	ADJ
easat-8335	154	7	square	square	ADJ
easat-8335	154	8	structural	structural	ADJ
easat-8335	154	9	equation	equation	NOUN
easat-8335	154	10	modelling	modelling	NOUN
easat-8335	154	11	(	(	PUNCT
easat-8335	154	12	pls	pls	INTJ
easat-8335	154	13	-	-	PUNCT
easat-8335	154	14	sem	sem	NOUN
easat-8335	154	15	)	)	PUNCT
easat-8335	154	16	was	be	AUX
easat-8335	154	17	employed	employ	VERB
easat-8335	154	18	to	to	PART
easat-8335	154	19	assess	assess	VERB
easat-8335	154	20	complicated	complicated	ADJ
easat-8335	154	21	cause	cause	NOUN
easat-8335	154	22	-	-	PUNCT
easat-8335	154	23	effect	effect	NOUN
easat-8335	154	24	connection	connection	NOUN
easat-8335	154	25	models	model	NOUN
easat-8335	154	26	with	with	ADP
easat-8335	154	27	latent	latent	NOUN
easat-8335	154	28	variables	variable	NOUN
easat-8335	154	29	[	[	X
easat-8335	154	30	38	38	NUM
easat-8335	154	31	]	]	PUNCT
easat-8335	154	32	.	.	PUNCT
easat-8335	155	1	contrasting	contrast	VERB
easat-8335	155	2	covariance	covariance	NOUN
easat-8335	155	3	-	-	PUNCT
easat-8335	155	4	based	base	VERB
easat-8335	155	5	approaches	approach	NOUN
easat-8335	155	6	to	to	ADP
easat-8335	155	7	structural	structural	ADJ
easat-8335	155	8	equation	equation	NOUN
easat-8335	155	9	modelling	modelling	NOUN
easat-8335	155	10	are	be	AUX
easat-8335	155	11	suitable	suitable	ADJ
easat-8335	155	12	to	to	PART
easat-8335	155	13	evaluate	evaluate	VERB
easat-8335	155	14	higher	high	ADJ
easat-8335	155	15	order	order	NOUN
easat-8335	155	16	constructs	construct	NOUN
easat-8335	155	17	and	and	CCONJ
easat-8335	155	18	complex	complex	ADJ
easat-8335	155	19	conceptual	conceptual	ADJ
easat-8335	155	20	model	model	NOUN
easat-8335	155	21	with	with	ADP
easat-8335	155	22	mediation	mediation	NOUN
easat-8335	155	23	effects	effect	NOUN
easat-8335	155	24	[	[	X
easat-8335	155	25	39	39	NUM
easat-8335	155	26	]	]	PUNCT
easat-8335	155	27	.	.	PUNCT
easat-8335	156	1	since	since	SCONJ
easat-8335	156	2	the	the	DET
easat-8335	156	3	study	study	NOUN
easat-8335	156	4	sample	sample	NOUN
easat-8335	156	5	size	size	NOUN
easat-8335	156	6	surpassed	surpass	VERB
easat-8335	156	7	100	100	NUM
easat-8335	156	8	(	(	PUNCT
easat-8335	156	9	n	n	NOUN
easat-8335	156	10	=	=	SYM
easat-8335	156	11	180	180	NUM
easat-8335	156	12	)	)	PUNCT
easat-8335	156	13	,	,	PUNCT
easat-8335	156	14	the	the	DET
easat-8335	156	15	pls	pls	PROPN
easat-8335	156	16	-	-	PUNCT
easat-8335	156	17	sem	sem	NOUN
easat-8335	156	18	technique	technique	NOUN
easat-8335	156	19	via	via	ADP
easat-8335	156	20	smart	smart	ADJ
easat-8335	156	21	-	-	PUNCT
easat-8335	156	22	pls	pls	NOUN
easat-8335	156	23	was	be	AUX
easat-8335	156	24	appropriate	appropriate	ADJ
easat-8335	156	25	for	for	SCONJ
easat-8335	156	26	this	this	DET
easat-8335	156	27	study	study	NOUN
easat-8335	156	28	to	to	PART
easat-8335	156	29	examine	examine	VERB
easat-8335	156	30	the	the	DET
easat-8335	156	31	causal	causal	NOUN
easat-8335	156	32	–	–	PUNCT
easat-8335	156	33	effect	effect	NOUN
easat-8335	156	34	relationships	relationship	NOUN
easat-8335	156	35	proposed	propose	VERB
easat-8335	156	36	in	in	ADP
easat-8335	156	37	this	this	DET
easat-8335	156	38	study	study	NOUN
easat-8335	156	39	model	model	NOUN
easat-8335	156	40	[	[	X
easat-8335	156	41	40	40	NUM
easat-8335	156	42	]	]	PUNCT
easat-8335	156	43	.	.	PUNCT
easat-8335	157	1	4	4	X
easat-8335	157	2	.	.	NOUN
easat-8335	157	3	results	result	NOUN
easat-8335	157	4	and	and	CCONJ
easat-8335	157	5	findings	finding	NOUN
easat-8335	157	6	4.1	4.1	NUM
easat-8335	157	7	.	.	PUNCT
easat-8335	158	1	data	datum	NOUN
easat-8335	158	2	analysis	analysis	NOUN
easat-8335	158	3	4.1.1	4.1.1	NUM
easat-8335	158	4	.	.	PUNCT
easat-8335	159	1	demographic	demographic	ADJ
easat-8335	159	2	characteristics	characteristic	NOUN
easat-8335	159	3	table	table	NOUN
easat-8335	159	4	1	1	NUM
easat-8335	159	5	represents	represent	VERB
easat-8335	159	6	the	the	DET
easat-8335	159	7	demographic	demographic	ADJ
easat-8335	159	8	profiles	profile	NOUN
easat-8335	159	9	of	of	ADP
easat-8335	159	10	the	the	DET
easat-8335	159	11	respondents	respondent	NOUN
easat-8335	159	12	in	in	ADP
easat-8335	159	13	this	this	DET
easat-8335	159	14	study	study	NOUN
easat-8335	159	15	.	.	PUNCT
easat-8335	160	1	it	it	PRON
easat-8335	160	2	appears	appear	VERB
easat-8335	160	3	that	that	SCONJ
easat-8335	160	4	there	there	PRON
easat-8335	160	5	were	be	VERB
easat-8335	160	6	more	more	ADV
easat-8335	160	7	male	male	ADJ
easat-8335	160	8	(	(	PUNCT
easat-8335	160	9	62.8	62.8	NUM
easat-8335	160	10	%	%	NOUN
easat-8335	160	11	)	)	PUNCT
easat-8335	160	12	than	than	ADP
easat-8335	160	13	female	female	ADJ
easat-8335	160	14	(	(	PUNCT
easat-8335	160	15	37.2	37.2	NUM
easat-8335	160	16	%	%	NOUN
easat-8335	160	17	)	)	PUNCT
easat-8335	160	18	among	among	ADP
easat-8335	160	19	the	the	DET
easat-8335	160	20	responders	responder	NOUN
easat-8335	160	21	.	.	PUNCT
easat-8335	161	1	the	the	DET
easat-8335	161	2	respondents	respondent	NOUN
easat-8335	161	3	were	be	AUX
easat-8335	161	4	mostly	mostly	ADV
easat-8335	161	5	between	between	ADP
easat-8335	161	6	the	the	DET
easat-8335	161	7	ages	age	NOUN
easat-8335	161	8	of	of	ADP
easat-8335	161	9	21	21	NUM
easat-8335	161	10	and	and	CCONJ
easat-8335	161	11	30	30	NUM
easat-8335	161	12	(	(	PUNCT
easat-8335	161	13	67.8	67.8	NUM
easat-8335	161	14	%	%	NOUN
easat-8335	161	15	)	)	PUNCT
easat-8335	161	16	,	,	PUNCT
easat-8335	161	17	followed	follow	VERB
easat-8335	161	18	by	by	ADP
easat-8335	161	19	those	those	PRON
easat-8335	161	20	between	between	ADP
easat-8335	161	21	the	the	DET
easat-8335	161	22	ages	age	NOUN
easat-8335	161	23	of	of	ADP
easat-8335	161	24	31	31	NUM
easat-8335	161	25	and	and	CCONJ
easat-8335	161	26	40	40	NUM
easat-8335	161	27	(	(	PUNCT
easat-8335	161	28	27.3	27.3	NUM
easat-8335	161	29	%	%	NOUN
easat-8335	161	30	)	)	PUNCT
easat-8335	161	31	and	and	CCONJ
easat-8335	161	32	those	those	PRON
easat-8335	161	33	under	under	ADP
easat-8335	161	34	21	21	NUM
easat-8335	161	35	(	(	PUNCT
easat-8335	161	36	5	5	NUM
easat-8335	161	37	%	%	NOUN
easat-8335	161	38	)	)	PUNCT
easat-8335	161	39	.	.	PUNCT
easat-8335	162	1	the	the	DET
easat-8335	162	2	majority	majority	NOUN
easat-8335	162	3	of	of	ADP
easat-8335	162	4	responders	responder	NOUN
easat-8335	162	5	(	(	PUNCT
easat-8335	162	6	37.2	37.2	NUM
easat-8335	162	7	%	%	NOUN
easat-8335	162	8	)	)	PUNCT
easat-8335	162	9	work	work	NOUN
easat-8335	162	10	for	for	ADP
easat-8335	162	11	themselves	themselves	PRON
easat-8335	162	12	,	,	PUNCT
easat-8335	162	13	followed	follow	VERB
easat-8335	162	14	by	by	ADP
easat-8335	162	15	company	company	NOUN
easat-8335	162	16	employees	employee	NOUN
easat-8335	162	17	(	(	PUNCT
easat-8335	162	18	25	25	NUM
easat-8335	162	19	%	%	NOUN
easat-8335	162	20	)	)	PUNCT
easat-8335	162	21	,	,	PUNCT
easat-8335	162	22	and	and	CCONJ
easat-8335	162	23	retirees	retiree	NOUN
easat-8335	162	24	(	(	PUNCT
easat-8335	162	25	19.4	19.4	NUM
easat-8335	162	26	%	%	NOUN
easat-8335	162	27	)	)	PUNCT
easat-8335	162	28	.	.	PUNCT
easat-8335	163	1	students	student	NOUN
easat-8335	163	2	and	and	CCONJ
easat-8335	163	3	government	government	NOUN
easat-8335	163	4	employees	employee	NOUN
easat-8335	163	5	had	have	VERB
easat-8335	163	6	the	the	DET
easat-8335	163	7	lowest	low	ADJ
easat-8335	163	8	rates	rate	NOUN
easat-8335	163	9	,	,	PUNCT
easat-8335	163	10	at	at	ADP
easat-8335	163	11	11.7	11.7	NUM
easat-8335	163	12	%	%	NOUN
easat-8335	163	13	and	and	CCONJ
easat-8335	163	14	6.1	6.1	NUM
easat-8335	163	15	%	%	NOUN
easat-8335	163	16	,	,	PUNCT
easat-8335	163	17	respectively	respectively	ADV
easat-8335	163	18	.	.	PUNCT
easat-8335	164	1	2197	2197	NUM
easat-8335	164	2	edelweiss	edelweiss	PROPN
easat-8335	164	3	applied	apply	VERB
easat-8335	164	4	science	science	NOUN
easat-8335	164	5	and	and	CCONJ
easat-8335	164	6	technology	technology	NOUN
easat-8335	164	7	issn	issn	PROPN
easat-8335	164	8	:	:	PUNCT
easat-8335	164	9	2576	2576	NUM
easat-8335	164	10	-	-	SYM
easat-8335	164	11	8484	8484	NUM
easat-8335	164	12	vol	vol	NOUN
easat-8335	164	13	.	.	PROPN
easat-8335	165	1	9	9	NUM
easat-8335	165	2	,	,	PUNCT
easat-8335	165	3	no	no	INTJ
easat-8335	165	4	.	.	NOUN
easat-8335	165	5	6	6	NUM
easat-8335	165	6	:	:	SYM
easat-8335	165	7	2191	2191	NUM
easat-8335	165	8	-	-	SYM
easat-8335	165	9	2202	2202	NUM
easat-8335	165	10	,	,	PUNCT
easat-8335	165	11	2025	2025	NUM
easat-8335	165	12	doi	doi	NOUN
easat-8335	165	13	:	:	PUNCT
easat-8335	166	1	10.55214/25768484.v9i6.8335	10.55214/25768484.v9i6.8335	NUM
easat-8335	166	2	©	©	PROPN
easat-8335	166	3	2025	2025	NUM
easat-8335	166	4	by	by	ADP
easat-8335	166	5	the	the	DET
easat-8335	166	6	authors	author	NOUN
easat-8335	166	7	;	;	PUNCT
easat-8335	166	8	licensee	licensee	PROPN
easat-8335	166	9	learning	learn	VERB
easat-8335	166	10	gate	gate	NOUN
easat-8335	166	11	table	table	NOUN
easat-8335	166	12	1	1	NUM
easat-8335	166	13	.	.	PUNCT
easat-8335	166	14	demographic	demographic	ADJ
easat-8335	166	15	information	information	NOUN
easat-8335	166	16	.	.	PUNCT
easat-8335	167	1	gender	gender	NOUN
easat-8335	167	2	frequency	frequency	NOUN
easat-8335	167	3	percent	percent	NOUN
easat-8335	167	4	valid	valid	ADJ
easat-8335	167	5	percent	percent	NOUN
easat-8335	167	6	cumulative	cumulative	ADJ
easat-8335	167	7	percent	percent	NOUN
easat-8335	167	8	male	male	NOUN
easat-8335	167	9	113	113	NUM
easat-8335	167	10	62.8	62.8	NUM
easat-8335	167	11	62.8	62.8	NUM
easat-8335	167	12	62.8	62.8	NUM
easat-8335	167	13	female	female	NOUN
easat-8335	167	14	67	67	NUM
easat-8335	167	15	37.2	37.2	NUM
easat-8335	167	16	37.2	37.2	NUM
easat-8335	167	17	37.2	37.2	NUM
easat-8335	167	18	total	total	NOUN
easat-8335	167	19	180	180	NUM
easat-8335	167	20	100	100	NUM
easat-8335	167	21	100	100	NUM
easat-8335	167	22	age	age	NOUN
easat-8335	167	23	.	.	PUNCT
easat-8335	168	1	frequency	frequency	PROPN
easat-8335	168	2	percent	percent	NOUN
easat-8335	168	3	valid	valid	ADJ
easat-8335	168	4	percent	percent	NOUN
easat-8335	168	5	cumulative	cumulative	ADJ
easat-8335	168	6	percent	percent	NOUN
easat-8335	168	7	under	under	ADP
easat-8335	168	8	21	21	NUM
easat-8335	168	9	9	9	NUM
easat-8335	168	10	5	5	NUM
easat-8335	168	11	5	5	NUM
easat-8335	168	12	5	5	NUM
easat-8335	168	13	21	21	NUM
easat-8335	168	14	-	-	SYM
easat-8335	168	15	30	30	NUM
easat-8335	168	16	122	122	NUM
easat-8335	168	17	67.8	67.8	NUM
easat-8335	168	18	67.8	67.8	NUM
easat-8335	168	19	72.8	72.8	NUM
easat-8335	168	20	31	31	NUM
easat-8335	168	21	-	-	SYM
easat-8335	168	22	40	40	NUM
easat-8335	168	23	49	49	NUM
easat-8335	168	24	27.3	27.3	NUM
easat-8335	168	25	27.2	27.2	NUM
easat-8335	168	26	100	100	NUM
easat-8335	168	27	total	total	NOUN
easat-8335	168	28	180	180	NUM
easat-8335	168	29	100	100	NUM
easat-8335	168	30	100	100	NUM
easat-8335	168	31	occupation	occupation	NOUN
easat-8335	168	32	frequency	frequency	NOUN
easat-8335	168	33	percent	percent	NOUN
easat-8335	168	34	valid	valid	ADJ
easat-8335	168	35	percent	percent	NOUN
easat-8335	168	36	cumulative	cumulative	ADJ
easat-8335	168	37	percent	percent	NOUN
easat-8335	168	38	student	student	NOUN
easat-8335	168	39	11	11	NUM
easat-8335	168	40	6.1	6.1	NUM
easat-8335	168	41	6.1	6.1	NUM
easat-8335	168	42	6.1	6.1	NUM
easat-8335	168	43	government	government	NOUN
easat-8335	168	44	employee	employee	NOUN
easat-8335	168	45	21	21	NUM
easat-8335	168	46	11.7	11.7	NUM
easat-8335	168	47	11.6	11.6	NUM
easat-8335	168	48	17.8	17.8	NUM
easat-8335	168	49	company	company	NOUN
easat-8335	168	50	employee	employee	NOUN
easat-8335	168	51	45	45	NUM
easat-8335	168	52	25	25	NUM
easat-8335	168	53	25	25	NUM
easat-8335	168	54	42.8	42.8	NUM
easat-8335	168	55	self	self	NOUN
easat-8335	168	56	-	-	PUNCT
easat-8335	168	57	employment	employment	NOUN
easat-8335	168	58	68	68	NUM
easat-8335	168	59	37.8	37.8	NUM
easat-8335	168	60	37.8	37.8	NUM
easat-8335	168	61	80.6	80.6	NUM
easat-8335	168	62	retiree	retiree	NOUN
easat-8335	168	63	35	35	NUM
easat-8335	168	64	19.4	19.4	NUM
easat-8335	168	65	19.4	19.4	NUM
easat-8335	168	66	100	100	NUM
easat-8335	168	67	total	total	NOUN
easat-8335	168	68	180	180	NUM
easat-8335	168	69	100	100	NUM
easat-8335	168	70	the	the	DET
easat-8335	168	71	examination	examination	NOUN
easat-8335	168	72	of	of	ADP
easat-8335	168	73	these	these	DET
easat-8335	168	74	demographic	demographic	ADJ
easat-8335	168	75	factors	factor	NOUN
easat-8335	168	76	serves	serve	VERB
easat-8335	168	77	as	as	ADP
easat-8335	168	78	a	a	DET
easat-8335	168	79	fundamental	fundamental	ADJ
easat-8335	168	80	basis	basis	NOUN
easat-8335	168	81	for	for	ADP
easat-8335	168	82	scholarly	scholarly	ADJ
easat-8335	168	83	investigation	investigation	NOUN
easat-8335	168	84	into	into	ADP
easat-8335	168	85	the	the	DET
easat-8335	168	86	use	use	NOUN
easat-8335	168	87	of	of	ADP
easat-8335	168	88	electronic	electronic	ADJ
easat-8335	168	89	payment	payment	NOUN
easat-8335	168	90	methods	method	NOUN
easat-8335	168	91	.	.	PUNCT
easat-8335	169	1	further	further	ADJ
easat-8335	169	2	investigation	investigation	NOUN
easat-8335	169	3	is	be	AUX
easat-8335	169	4	warranted	warrant	VERB
easat-8335	169	5	to	to	PART
easat-8335	169	6	examine	examine	VERB
easat-8335	169	7	the	the	DET
easat-8335	169	8	possible	possible	ADJ
easat-8335	169	9	impact	impact	NOUN
easat-8335	169	10	of	of	ADP
easat-8335	169	11	gender	gender	NOUN
easat-8335	169	12	,	,	PUNCT
easat-8335	169	13	age	age	NOUN
easat-8335	169	14	,	,	PUNCT
easat-8335	169	15	and	and	CCONJ
easat-8335	169	16	employment	employment	NOUN
easat-8335	169	17	on	on	ADP
easat-8335	169	18	trust	trust	NOUN
easat-8335	169	19	,	,	PUNCT
easat-8335	169	20	perceived	perceive	VERB
easat-8335	169	21	usefulness	usefulness	NOUN
easat-8335	169	22	concerns	concern	NOUN
easat-8335	169	23	,	,	PUNCT
easat-8335	169	24	and	and	CCONJ
easat-8335	169	25	acceptability	acceptability	NOUN
easat-8335	169	26	levels	level	NOUN
easat-8335	169	27	pertaining	pertain	VERB
easat-8335	169	28	to	to	ADP
easat-8335	169	29	e	e	NOUN
easat-8335	169	30	-	-	NOUN
easat-8335	169	31	payment	payment	NOUN
easat-8335	169	32	systems	system	NOUN
easat-8335	169	33	.	.	PUNCT
easat-8335	170	1	this	this	DET
easat-8335	170	2	line	line	NOUN
easat-8335	170	3	of	of	ADP
easat-8335	170	4	inquiry	inquiry	NOUN
easat-8335	170	5	has	have	VERB
easat-8335	170	6	the	the	DET
easat-8335	170	7	potential	potential	NOUN
easat-8335	170	8	to	to	PART
easat-8335	170	9	unveil	unveil	VERB
easat-8335	170	10	distinct	distinct	ADJ
easat-8335	170	11	patterns	pattern	NOUN
easat-8335	170	12	of	of	ADP
easat-8335	170	13	adoption	adoption	NOUN
easat-8335	170	14	and	and	CCONJ
easat-8335	170	15	preferences	preference	NOUN
easat-8335	170	16	within	within	ADP
easat-8335	170	17	various	various	ADJ
easat-8335	170	18	demographic	demographic	ADJ
easat-8335	170	19	cohorts	cohort	NOUN
easat-8335	170	20	.	.	PUNCT
easat-8335	171	1	gaining	gain	VERB
easat-8335	171	2	a	a	DET
easat-8335	171	3	comprehensive	comprehensive	ADJ
easat-8335	171	4	understanding	understanding	NOUN
easat-8335	171	5	of	of	ADP
easat-8335	171	6	these	these	DET
easat-8335	171	7	relationships	relationship	NOUN
easat-8335	171	8	is	be	AUX
easat-8335	171	9	crucial	crucial	ADJ
easat-8335	171	10	in	in	ADP
easat-8335	171	11	order	order	NOUN
easat-8335	171	12	to	to	PART
easat-8335	171	13	develop	develop	VERB
easat-8335	171	14	precise	precise	ADJ
easat-8335	171	15	strategies	strategy	NOUN
easat-8335	171	16	aimed	aim	VERB
easat-8335	171	17	at	at	ADP
easat-8335	171	18	promoting	promote	VERB
easat-8335	171	19	the	the	DET
easat-8335	171	20	adoption	adoption	NOUN
easat-8335	171	21	of	of	ADP
easat-8335	171	22	e	e	NOUN
easat-8335	171	23	-	-	NOUN
easat-8335	171	24	payment	payment	NOUN
easat-8335	171	25	systems	system	NOUN
easat-8335	171	26	and	and	CCONJ
easat-8335	171	27	assuring	assure	VERB
easat-8335	171	28	the	the	DET
easat-8335	171	29	provision	provision	NOUN
easat-8335	171	30	of	of	ADP
easat-8335	171	31	inclusive	inclusive	ADJ
easat-8335	171	32	financial	financial	ADJ
easat-8335	171	33	technology	technology	NOUN
easat-8335	171	34	solutions	solution	NOUN
easat-8335	171	35	in	in	ADP
easat-8335	171	36	algeria	algeria	PROPN
easat-8335	171	37	.	.	PUNCT
easat-8335	172	1	4.1.2	4.1.2	NUM
easat-8335	172	2	.	.	NOUN
easat-8335	172	3	validity	validity	NOUN
easat-8335	172	4	and	and	CCONJ
easat-8335	172	5	reliability	reliability	NOUN
easat-8335	172	6	the	the	DET
easat-8335	172	7	first	first	ADJ
easat-8335	172	8	step	step	NOUN
easat-8335	172	9	in	in	ADP
easat-8335	172	10	sem	sem	PROPN
easat-8335	172	11	is	be	AUX
easat-8335	172	12	to	to	PART
easat-8335	172	13	assess	assess	VERB
easat-8335	172	14	the	the	DET
easat-8335	172	15	measurement	measurement	NOUN
easat-8335	172	16	model	model	NOUN
easat-8335	172	17	,	,	PUNCT
easat-8335	172	18	which	which	PRON
easat-8335	172	19	includes	include	VERB
easat-8335	172	20	the	the	DET
easat-8335	172	21	evaluation	evaluation	NOUN
easat-8335	172	22	of	of	ADP
easat-8335	172	23	construct	construct	NOUN
easat-8335	172	24	reliability	reliability	NOUN
easat-8335	172	25	,	,	PUNCT
easat-8335	172	26	indicator	indicator	NOUN
easat-8335	172	27	reliability	reliability	NOUN
easat-8335	172	28	,	,	PUNCT
easat-8335	172	29	convergent	convergent	NOUN
easat-8335	172	30	validity	validity	NOUN
easat-8335	172	31	,	,	PUNCT
easat-8335	172	32	and	and	CCONJ
easat-8335	172	33	discriminant	discriminant	ADJ
easat-8335	172	34	validity	validity	NOUN
easat-8335	172	35	of	of	ADP
easat-8335	172	36	the	the	DET
easat-8335	172	37	outlined	outline	VERB
easat-8335	172	38	constructs	construct	NOUN
easat-8335	172	39	.	.	PUNCT
easat-8335	173	1	construct	construct	VERB
easat-8335	173	2	reliability	reliability	NOUN
easat-8335	173	3	was	be	AUX
easat-8335	173	4	determined	determine	VERB
easat-8335	173	5	using	use	VERB
easat-8335	173	6	composite	composite	ADJ
easat-8335	173	7	reliability	reliability	NOUN
easat-8335	173	8	(	(	PUNCT
easat-8335	173	9	cr	cr	NOUN
easat-8335	173	10	)	)	PUNCT
easat-8335	173	11	and	and	CCONJ
easat-8335	173	12	cronbach	cronbach	VERB
easat-8335	173	13	’s	’s	PART
easat-8335	173	14	alpha	alpha	NOUN
easat-8335	173	15	(	(	PUNCT
easat-8335	173	16	ca	ca	NOUN
easat-8335	173	17	)	)	PUNCT
easat-8335	173	18	.	.	PUNCT
easat-8335	174	1	the	the	DET
easat-8335	174	2	criterion	criterion	NOUN
easat-8335	174	3	is	be	AUX
easat-8335	174	4	that	that	SCONJ
easat-8335	174	5	the	the	DET
easat-8335	174	6	cr	cr	PROPN
easat-8335	174	7	value	value	NOUN
easat-8335	174	8	should	should	AUX
easat-8335	174	9	exceed	exceed	VERB
easat-8335	174	10	0.07	0.07	NUM
easat-8335	174	11	to	to	PART
easat-8335	174	12	indicate	indicate	VERB
easat-8335	174	13	adequate	adequate	ADJ
easat-8335	174	14	reliability	reliability	NOUN
easat-8335	174	15	of	of	ADP
easat-8335	174	16	the	the	DET
easat-8335	174	17	construct	construct	NOUN
easat-8335	174	18	[	[	X
easat-8335	174	19	41	41	NUM
easat-8335	174	20	]	]	PUNCT
easat-8335	174	21	.	.	PUNCT
easat-8335	175	1	the	the	DET
easat-8335	175	2	measurement	measurement	NOUN
easat-8335	175	3	model	model	NOUN
easat-8335	175	4	results	result	NOUN
easat-8335	175	5	,	,	PUNCT
easat-8335	175	6	as	as	SCONJ
easat-8335	175	7	tabulated	tabulate	VERB
easat-8335	175	8	in	in	ADP
easat-8335	175	9	table	table	NOUN
easat-8335	175	10	2	2	NUM
easat-8335	175	11	,	,	PUNCT
easat-8335	175	12	showed	show	VERB
easat-8335	175	13	that	that	SCONJ
easat-8335	175	14	the	the	DET
easat-8335	175	15	cr	cr	PROPN
easat-8335	175	16	values	value	NOUN
easat-8335	175	17	obtained	obtain	VERB
easat-8335	175	18	for	for	ADP
easat-8335	175	19	this	this	DET
easat-8335	175	20	present	present	NOUN
easat-8335	175	21	were	be	AUX
easat-8335	175	22	greater	great	ADJ
easat-8335	175	23	than	than	ADP
easat-8335	175	24	0.07	0.07	NUM
easat-8335	175	25	,	,	PUNCT
easat-8335	175	26	thus	thus	ADV
easat-8335	175	27	confirming	confirm	VERB
easat-8335	175	28	adequate	adequate	ADJ
easat-8335	175	29	construct	construct	VERB
easat-8335	175	30	reliability	reliability	NOUN
easat-8335	175	31	.	.	PUNCT
easat-8335	176	1	next	next	ADV
easat-8335	176	2	,	,	PUNCT
easat-8335	176	3	indicator	indicator	NOUN
easat-8335	176	4	reliability	reliability	NOUN
easat-8335	176	5	was	be	AUX
easat-8335	176	6	assessed	assess	VERB
easat-8335	176	7	through	through	ADP
easat-8335	176	8	ca	ca	PROPN
easat-8335	176	9	,	,	PUNCT
easat-8335	176	10	in	in	ADP
easat-8335	176	11	which	which	PRON
easat-8335	176	12	the	the	DET
easat-8335	176	13	ca	ca	NOUN
easat-8335	176	14	values	value	NOUN
easat-8335	176	15	must	must	AUX
easat-8335	176	16	be	be	AUX
easat-8335	176	17	higher	high	ADJ
easat-8335	176	18	than	than	ADP
easat-8335	176	19	0.06	0.06	NUM
easat-8335	176	20	.	.	PUNCT
easat-8335	177	1	as	as	ADP
easat-8335	177	2	a	a	DET
easat-8335	177	3	result	result	NOUN
easat-8335	177	4	,	,	PUNCT
easat-8335	177	5	the	the	DET
easat-8335	177	6	ca	ca	NOUN
easat-8335	177	7	for	for	ADP
easat-8335	177	8	all	all	DET
easat-8335	177	9	factors	factor	NOUN
easat-8335	177	10	in	in	ADP
easat-8335	177	11	this	this	DET
easat-8335	177	12	study	study	NOUN
easat-8335	177	13	was	be	AUX
easat-8335	177	14	acceptable	acceptable	ADJ
easat-8335	177	15	.	.	PUNCT
easat-8335	178	1	convergent	convergent	ADJ
easat-8335	178	2	validity	validity	NOUN
easat-8335	178	3	of	of	ADP
easat-8335	178	4	constructs	construct	NOUN
easat-8335	178	5	was	be	AUX
easat-8335	178	6	determined	determine	VERB
easat-8335	178	7	using	use	VERB
easat-8335	178	8	average	average	ADJ
easat-8335	178	9	variance	variance	NOUN
easat-8335	178	10	extracted	extract	VERB
easat-8335	178	11	(	(	PUNCT
easat-8335	178	12	ave	ave	PROPN
easat-8335	178	13	)	)	PUNCT
easat-8335	178	14	,	,	PUNCT
easat-8335	178	15	which	which	PRON
easat-8335	178	16	should	should	AUX
easat-8335	178	17	exceed	exceed	VERB
easat-8335	178	18	0.50	0.50	NUM
easat-8335	179	1	[	[	X
easat-8335	179	2	42	42	NUM
easat-8335	179	3	]	]	PUNCT
easat-8335	179	4	.	.	PUNCT
easat-8335	180	1	since	since	SCONJ
easat-8335	180	2	the	the	DET
easat-8335	180	3	result	result	NOUN
easat-8335	180	4	revealed	reveal	VERB
easat-8335	180	5	that	that	SCONJ
easat-8335	180	6	all	all	DET
easat-8335	180	7	constructs	construct	NOUN
easat-8335	180	8	had	have	VERB
easat-8335	180	9	substantial	substantial	ADJ
easat-8335	180	10	ave	ave	NOUN
easat-8335	180	11	,	,	PUNCT
easat-8335	180	12	the	the	DET
easat-8335	180	13	convergent	convergent	NOUN
easat-8335	180	14	validity	validity	NOUN
easat-8335	180	15	of	of	ADP
easat-8335	180	16	constructs	construct	NOUN
easat-8335	180	17	for	for	ADP
easat-8335	180	18	this	this	DET
easat-8335	180	19	study	study	NOUN
easat-8335	180	20	was	be	AUX
easat-8335	180	21	verified	verify	VERB
easat-8335	180	22	.	.	PUNCT
easat-8335	181	1	the	the	DET
easat-8335	181	2	values	value	NOUN
easat-8335	181	3	of	of	ADP
easat-8335	181	4	ca	ca	PROPN
easat-8335	181	5	,	,	PUNCT
easat-8335	181	6	cr	cr	PROPN
easat-8335	181	7	,	,	PUNCT
easat-8335	181	8	and	and	CCONJ
easat-8335	181	9	ave	ave	PROPN
easat-8335	181	10	are	be	AUX
easat-8335	181	11	depicted	depict	VERB
easat-8335	181	12	in	in	ADP
easat-8335	181	13	table	table	NOUN
easat-8335	181	14	2	2	NUM
easat-8335	181	15	.	.	PUNCT
easat-8335	181	16	table	table	NOUN
easat-8335	181	17	2	2	NUM
easat-8335	181	18	.	.	X
easat-8335	181	19	validity	validity	NOUN
easat-8335	181	20	and	and	CCONJ
easat-8335	181	21	reliability	reliability	NOUN
easat-8335	181	22	.	.	PUNCT
easat-8335	182	1	cronbach	cronbach	PROPN
easat-8335	182	2	's	's	PART
easat-8335	182	3	alpha	alpha	ADJ
easat-8335	182	4	composite	composite	ADJ
easat-8335	182	5	reliability	reliability	NOUN
easat-8335	182	6	(	(	PUNCT
easat-8335	182	7	rho_a	rho_a	NOUN
easat-8335	182	8	)	)	PUNCT
easat-8335	182	9	composite	composite	ADJ
easat-8335	182	10	reliability	reliability	NOUN
easat-8335	182	11	(	(	PUNCT
easat-8335	182	12	rho_c	rho_c	NOUN
easat-8335	182	13	)	)	PUNCT
easat-8335	182	14	average	average	ADJ
easat-8335	182	15	variance	variance	NOUN
easat-8335	182	16	extracted	extract	VERB
easat-8335	182	17	(	(	PUNCT
easat-8335	182	18	ave	ave	PROPN
easat-8335	182	19	)	)	PUNCT
easat-8335	182	20	vif	vif	PROPN
easat-8335	182	21	epa	epa	PROPN
easat-8335	182	22	0.762	0.762	NUM
easat-8335	182	23	0.778	0.778	NUM
easat-8335	182	24	0.840	0.840	NUM
easat-8335	182	25	0.515	0.515	NUM
easat-8335	182	26	peou	peou	ADV
easat-8335	182	27	0.786	0.786	NUM
easat-8335	182	28	0.808	0.808	NUM
easat-8335	182	29	0.854	0.854	NUM
easat-8335	182	30	0.545	0.545	NUM
easat-8335	182	31	1.835	1.835	NUM
easat-8335	182	32	pu	pu	PROPN
easat-8335	182	33	0.800	0.800	NUM
easat-8335	182	34	0.804	0.804	NUM
easat-8335	182	35	0.863	0.863	NUM
easat-8335	182	36	0.558	0.558	NUM
easat-8335	182	37	3.136	3.136	NUM
easat-8335	182	38	se	se	X
easat-8335	182	39	0.683	0.683	NUM
easat-8335	182	40	0.683	0.683	NUM
easat-8335	182	41	0.794	0.794	NUM
easat-8335	182	42	0.659	0.659	NUM
easat-8335	182	43	1.080	1.080	NUM
easat-8335	182	44	tr	tr	VERB
easat-8335	182	45	0.767	0.767	NUM
easat-8335	182	46	0.767	0.767	NUM
easat-8335	182	47	0.851	0.851	NUM
easat-8335	182	48	0.590	0.590	NUM
easat-8335	182	49	3.446	3.446	NUM
easat-8335	182	50	se	se	X
easat-8335	182	51	x	x	PROPN
easat-8335	182	52	pu	pu	PROPN
easat-8335	182	53	1.412	1.412	NUM
easat-8335	182	54	se	se	X
easat-8335	182	55	x	x	PROPN
easat-8335	182	56	peou	peou	ADV
easat-8335	182	57	1.399	1.399	NUM
easat-8335	182	58	note	note	NOUN
easat-8335	182	59	:	:	PUNCT
easat-8335	182	60	pu	pu	PROPN
easat-8335	182	61	:	:	PUNCT
easat-8335	182	62	perceived	perceive	VERB
easat-8335	182	63	usefulness	usefulness	NOUN
easat-8335	182	64	;	;	PUNCT
easat-8335	182	65	pe	pe	PRON
easat-8335	182	66	:	:	PUNCT
easat-8335	182	67	perceived	perceive	VERB
easat-8335	182	68	ease	ease	NOUN
easat-8335	182	69	of	of	ADP
easat-8335	182	70	use	use	NOUN
easat-8335	182	71	;	;	PUNCT
easat-8335	182	72	tr	tr	VERB
easat-8335	182	73	:	:	PUNCT
easat-8335	182	74	trust	trust	NOUN
easat-8335	182	75	;	;	PUNCT
easat-8335	182	76	se	se	X
easat-8335	182	77	:	:	PUNCT
easat-8335	182	78	security	security	NOUN
easat-8335	182	79	;	;	PUNCT
easat-8335	182	80	epa	epa	PROPN
easat-8335	182	81	:	:	PUNCT
easat-8335	182	82	electronic	electronic	ADJ
easat-8335	182	83	payment	payment	NOUN
easat-8335	182	84	acceptance	acceptance	NOUN
easat-8335	182	85	.	.	PUNCT
easat-8335	183	1	source	source	NOUN
easat-8335	183	2	:	:	PUNCT
easat-8335	183	3	author	author	PROPN
easat-8335	183	4	’s	’s	PART
easat-8335	183	5	data	datum	NOUN
easat-8335	183	6	analysis	analysis	NOUN
easat-8335	183	7	.	.	PUNCT
easat-8335	184	1	2198	2198	NUM
easat-8335	184	2	edelweiss	edelweiss	PROPN
easat-8335	184	3	applied	apply	VERB
easat-8335	184	4	science	science	NOUN
easat-8335	184	5	and	and	CCONJ
easat-8335	184	6	technology	technology	NOUN
easat-8335	184	7	issn	issn	PROPN
easat-8335	184	8	:	:	PUNCT
easat-8335	184	9	2576	2576	NUM
easat-8335	184	10	-	-	SYM
easat-8335	184	11	8484	8484	NUM
easat-8335	184	12	vol	vol	NOUN
easat-8335	184	13	.	.	PROPN
easat-8335	185	1	9	9	NUM
easat-8335	185	2	,	,	PUNCT
easat-8335	185	3	no	no	INTJ
easat-8335	185	4	.	.	NOUN
easat-8335	185	5	6	6	NUM
easat-8335	185	6	:	:	SYM
easat-8335	185	7	2191	2191	NUM
easat-8335	185	8	-	-	SYM
easat-8335	185	9	2202	2202	NUM
easat-8335	185	10	,	,	PUNCT
easat-8335	185	11	2025	2025	NUM
easat-8335	185	12	doi	doi	NOUN
easat-8335	185	13	:	:	PUNCT
easat-8335	186	1	10.55214/25768484.v9i6.8335	10.55214/25768484.v9i6.8335	NUM
easat-8335	186	2	©	©	PROPN
easat-8335	186	3	2025	2025	NUM
easat-8335	186	4	by	by	ADP
easat-8335	186	5	the	the	DET
easat-8335	186	6	authors	author	NOUN
easat-8335	186	7	;	;	PUNCT
easat-8335	186	8	licensee	licensee	PROPN
easat-8335	186	9	learning	learning	NOUN
easat-8335	186	10	gate	gate	VERB
easat-8335	186	11	the	the	DET
easat-8335	186	12	assessment	assessment	NOUN
easat-8335	186	13	of	of	ADP
easat-8335	186	14	the	the	DET
easat-8335	186	15	measurement	measurement	NOUN
easat-8335	186	16	model	model	NOUN
easat-8335	186	17	included	include	VERB
easat-8335	186	18	the	the	DET
easat-8335	186	19	evaluation	evaluation	NOUN
easat-8335	186	20	of	of	ADP
easat-8335	186	21	discriminant	discriminant	ADJ
easat-8335	186	22	validity	validity	NOUN
easat-8335	186	23	of	of	ADP
easat-8335	186	24	the	the	DET
easat-8335	186	25	constructs	construct	NOUN
easat-8335	186	26	based	base	VERB
easat-8335	186	27	on	on	ADP
easat-8335	186	28	one	one	NUM
easat-8335	186	29	method	method	NOUN
easat-8335	186	30	:	:	PUNCT
easat-8335	186	31	fornell	fornell	NOUN
easat-8335	186	32	and	and	CCONJ
easat-8335	186	33	lacker	lacker	NOUN
easat-8335	186	34	criterion	criterion	NOUN
easat-8335	187	1	[	[	X
easat-8335	187	2	41	41	NUM
easat-8335	187	3	,	,	PUNCT
easat-8335	187	4	43	43	NUM
easat-8335	187	5	]	]	PUNCT
easat-8335	187	6	.	.	PUNCT
easat-8335	188	1	the	the	DET
easat-8335	188	2	fornell	fornell	NOUN
easat-8335	188	3	and	and	CCONJ
easat-8335	188	4	larcker	larcker	NOUN
easat-8335	189	1	[	[	X
easat-8335	189	2	42	42	NUM
easat-8335	189	3	]	]	X
easat-8335	189	4	criterion	criterion	NOUN
easat-8335	189	5	is	be	AUX
easat-8335	189	6	used	use	VERB
easat-8335	189	7	to	to	PART
easat-8335	189	8	assess	assess	VERB
easat-8335	189	9	the	the	DET
easat-8335	189	10	discriminant	discriminant	ADJ
easat-8335	189	11	validity	validity	NOUN
easat-8335	189	12	by	by	ADP
easat-8335	189	13	comparing	compare	VERB
easat-8335	189	14	the	the	DET
easat-8335	189	15	square	square	ADJ
easat-8335	189	16	root	root	NOUN
easat-8335	189	17	of	of	ADP
easat-8335	189	18	ave	ave	PROPN
easat-8335	189	19	extracted	extract	VERB
easat-8335	189	20	from	from	ADP
easat-8335	189	21	each	each	DET
easat-8335	189	22	construct	construct	NOUN
easat-8335	189	23	with	with	ADP
easat-8335	189	24	the	the	DET
easat-8335	189	25	correlation	correlation	NOUN
easat-8335	189	26	among	among	ADP
easat-8335	189	27	constructs	construct	NOUN
easat-8335	189	28	.	.	PUNCT
easat-8335	190	1	next	next	ADV
easat-8335	190	2	,	,	PUNCT
easat-8335	190	3	the	the	DET
easat-8335	190	4	cross	cross	ADJ
easat-8335	190	5	-	-	ADJ
easat-8335	190	6	loading	loading	ADJ
easat-8335	190	7	method	method	NOUN
easat-8335	190	8	suggests	suggest	VERB
easat-8335	190	9	that	that	SCONJ
easat-8335	190	10	the	the	DET
easat-8335	190	11	outer	outer	ADJ
easat-8335	190	12	loading	loading	NOUN
easat-8335	190	13	of	of	ADP
easat-8335	190	14	the	the	DET
easat-8335	190	15	construct	construct	NOUN
easat-8335	190	16	should	should	AUX
easat-8335	190	17	exceed	exceed	VERB
easat-8335	190	18	the	the	DET
easat-8335	190	19	corresponding	correspond	VERB
easat-8335	190	20	construct	construct	NOUN
easat-8335	190	21	loading	loading	NOUN
easat-8335	190	22	to	to	PART
easat-8335	190	23	signify	signify	VERB
easat-8335	190	24	adequate	adequate	ADJ
easat-8335	190	25	discriminant	discriminant	ADJ
easat-8335	190	26	validity	validity	NOUN
easat-8335	190	27	of	of	ADP
easat-8335	190	28	the	the	DET
easat-8335	190	29	construction	construction	NOUN
easat-8335	190	30	.	.	PUNCT
easat-8335	191	1	the	the	DET
easat-8335	191	2	results	result	NOUN
easat-8335	191	3	of	of	ADP
easat-8335	191	4	fornell	fornell	NOUN
easat-8335	191	5	and	and	CCONJ
easat-8335	191	6	larcker	larcker	NOUN
easat-8335	191	7	[	[	X
easat-8335	191	8	42	42	NUM
easat-8335	191	9	]	]	PUNCT
easat-8335	191	10	is	be	AUX
easat-8335	191	11	presented	present	VERB
easat-8335	191	12	in	in	ADP
easat-8335	191	13	table	table	NOUN
easat-8335	191	14	3	3	NUM
easat-8335	191	15	.	.	PUNCT
easat-8335	192	1	according	accord	VERB
easat-8335	192	2	to	to	ADP
easat-8335	192	3	kline	kline	PROPN
easat-8335	192	4	,	,	PUNCT
easat-8335	192	5	et	et	PROPN
easat-8335	192	6	al	al	PROPN
easat-8335	192	7	.	.	PUNCT
easat-8335	193	1	[	[	X
easat-8335	193	2	44	44	NUM
easat-8335	193	3	]	]	PUNCT
easat-8335	193	4	values	value	NOUN
easat-8335	193	5	above	above	ADP
easat-8335	193	6	0.85	0.85	NUM
easat-8335	193	7	indicate	indicate	VERB
easat-8335	193	8	adequate	adequate	ADJ
easat-8335	193	9	discriminant	discriminant	ADJ
easat-8335	193	10	validity	validity	NOUN
easat-8335	193	11	of	of	ADP
easat-8335	193	12	the	the	DET
easat-8335	193	13	measurement	measurement	NOUN
easat-8335	193	14	.	.	PUNCT
easat-8335	194	1	therefore	therefore	ADV
easat-8335	194	2	,	,	PUNCT
easat-8335	194	3	this	this	DET
easat-8335	194	4	study	study	NOUN
easat-8335	194	5	confirmed	confirm	VERB
easat-8335	194	6	the	the	DET
easat-8335	194	7	discriminant	discriminant	ADJ
easat-8335	194	8	validity	validity	NOUN
easat-8335	194	9	of	of	ADP
easat-8335	194	10	the	the	DET
easat-8335	194	11	constructs	construct	NOUN
easat-8335	194	12	as	as	ADP
easat-8335	194	13	all	all	DET
easat-8335	194	14	loadings	loading	NOUN
easat-8335	194	15	of	of	ADP
easat-8335	194	16	the	the	DET
easat-8335	194	17	constructs	construct	NOUN
easat-8335	194	18	were	be	AUX
easat-8335	194	19	higher	high	ADJ
easat-8335	194	20	than	than	ADP
easat-8335	194	21	the	the	DET
easat-8335	194	22	other	other	ADJ
easat-8335	194	23	constructs	construct	NOUN
easat-8335	194	24	.	.	PUNCT
easat-8335	195	1	finally	finally	ADV
easat-8335	195	2	,	,	PUNCT
easat-8335	195	3	discriminant	discriminant	ADJ
easat-8335	195	4	validity	validity	NOUN
easat-8335	195	5	is	be	AUX
easat-8335	195	6	checked	check	VERB
easat-8335	195	7	with	with	ADP
easat-8335	195	8	the	the	DET
easat-8335	195	9	fornell	fornell	ADJ
easat-8335	195	10	–	–	PUNCT
easat-8335	195	11	lacker	lacker	NOUN
easat-8335	195	12	criterion	criterion	NOUN
easat-8335	195	13	,	,	PUNCT
easat-8335	195	14	which	which	PRON
easat-8335	195	15	revealed	reveal	VERB
easat-8335	195	16	strong	strong	ADJ
easat-8335	195	17	links	link	NOUN
easat-8335	195	18	among	among	ADP
easat-8335	195	19	the	the	DET
easat-8335	195	20	constructs	construct	NOUN
easat-8335	195	21	.	.	PUNCT
easat-8335	196	1	table	table	NOUN
easat-8335	196	2	3	3	NUM
easat-8335	196	3	.	.	PUNCT
easat-8335	197	1	discriminant	discriminant	ADJ
easat-8335	197	2	validity	validity	NOUN
easat-8335	197	3	fornell	fornell	NOUN
easat-8335	197	4	and	and	CCONJ
easat-8335	197	5	larcker	larcker	NOUN
easat-8335	197	6	criteria	criterion	NOUN
easat-8335	197	7	.	.	PUNCT
easat-8335	198	1	epa	epa	PROPN
easat-8335	198	2	peou	peou	PROPN
easat-8335	198	3	pu	pu	PROPN
easat-8335	198	4	se	se	PROPN
easat-8335	198	5	tr	tr	PROPN
easat-8335	198	6	epa	epa	PROPN
easat-8335	198	7	0.717	0.717	NUM
easat-8335	198	8	peou	peou	ADV
easat-8335	198	9	0.511	0.511	NUM
easat-8335	198	10	0.738	0.738	NUM
easat-8335	198	11	pu	pu	PROPN
easat-8335	198	12	0.834	0.834	NUM
easat-8335	198	13	0.607	0.607	NUM
easat-8335	198	14	0.747	0.747	NUM
easat-8335	198	15	se	se	X
easat-8335	198	16	-0.102	-0.102	PUNCT
easat-8335	198	17	-0.024	-0.024	PUNCT
easat-8335	198	18	-0.075	-0.075	VERB
easat-8335	198	19	0.812	0.812	NUM
easat-8335	198	20	tr	tr	NUM
easat-8335	198	21	0.738	0.738	NUM
easat-8335	198	22	0.658	0.658	NUM
easat-8335	198	23	0.817	0.817	NUM
easat-8335	198	24	-0.062	-0.062	NUM
easat-8335	198	25	0.768	0.768	NUM
easat-8335	198	26	note	note	NOUN
easat-8335	198	27	:	:	PUNCT
easat-8335	198	28	pu	pu	ADJ
easat-8335	198	29	:	:	PUNCT
easat-8335	198	30	perceived	perceive	VERB
easat-8335	198	31	usefulness	usefulness	NOUN
easat-8335	198	32	;	;	PUNCT
easat-8335	198	33	pe	pe	PRON
easat-8335	198	34	:	:	PUNCT
easat-8335	198	35	perceived	perceive	VERB
easat-8335	198	36	ease	ease	NOUN
easat-8335	198	37	of	of	ADP
easat-8335	198	38	use	use	NOUN
easat-8335	198	39	;	;	PUNCT
easat-8335	198	40	tr	tr	VERB
easat-8335	198	41	:	:	PUNCT
easat-8335	198	42	trust	trust	NOUN
easat-8335	198	43	;	;	PUNCT
easat-8335	198	44	se	se	X
easat-8335	198	45	:	:	PUNCT
easat-8335	198	46	security	security	NOUN
easat-8335	198	47	;	;	PUNCT
easat-8335	198	48	epa	epa	PROPN
easat-8335	198	49	:	:	PUNCT
easat-8335	198	50	electronic	electronic	ADJ
easat-8335	198	51	payment	payment	NOUN
easat-8335	198	52	acceptance	acceptance	NOUN
easat-8335	198	53	.	.	PUNCT
easat-8335	199	1	source	source	NOUN
easat-8335	199	2	:	:	PUNCT
easat-8335	199	3	author	author	PROPN
easat-8335	199	4	’s	’s	PART
easat-8335	199	5	data	datum	NOUN
easat-8335	199	6	analysis	analysis	NOUN
easat-8335	199	7	.	.	PUNCT
easat-8335	200	1	4.2	4.2	NUM
easat-8335	200	2	.	.	PUNCT
easat-8335	201	1	path	path	NOUN
easat-8335	201	2	analysis	analysis	NOUN
easat-8335	201	3	the	the	DET
easat-8335	201	4	structural	structural	ADJ
easat-8335	201	5	model	model	NOUN
easat-8335	201	6	results	result	NOUN
easat-8335	201	7	shown	show	VERB
easat-8335	201	8	in	in	ADP
easat-8335	201	9	table	table	NOUN
easat-8335	201	10	4	4	NUM
easat-8335	201	11	reveal	reveal	VERB
easat-8335	201	12	that	that	SCONJ
easat-8335	201	13	the	the	DET
easat-8335	201	14	causal	causal	ADJ
easat-8335	201	15	relationship	relationship	NOUN
easat-8335	201	16	between	between	ADP
easat-8335	201	17	perceived	perceive	VERB
easat-8335	201	18	usefulness	usefulness	NOUN
easat-8335	201	19	and	and	CCONJ
easat-8335	201	20	the	the	DET
easat-8335	201	21	acceptance	acceptance	NOUN
easat-8335	201	22	of	of	ADP
easat-8335	201	23	digital	digital	ADJ
easat-8335	201	24	banking	banking	NOUN
easat-8335	201	25	was	be	AUX
easat-8335	201	26	statically	statically	ADV
easat-8335	201	27	significant	significant	ADJ
easat-8335	201	28	.	.	PUNCT
easat-8335	202	1	similarly	similarly	ADV
easat-8335	202	2	,	,	PUNCT
easat-8335	202	3	the	the	DET
easat-8335	202	4	relationship	relationship	NOUN
easat-8335	202	5	between	between	ADP
easat-8335	202	6	perceived	perceive	VERB
easat-8335	202	7	ease	ease	NOUN
easat-8335	202	8	of	of	ADP
easat-8335	202	9	use	use	NOUN
easat-8335	202	10	and	and	CCONJ
easat-8335	202	11	the/	the/	NOUN
easat-8335	202	12	acceptance	acceptance	NOUN
easat-8335	202	13	of	of	ADP
easat-8335	202	14	digital	digital	ADJ
easat-8335	202	15	banking	banking	NOUN
easat-8335	202	16	was	be	AUX
easat-8335	202	17	also	also	ADV
easat-8335	202	18	significant	significant	ADJ
easat-8335	202	19	.	.	PUNCT
easat-8335	203	1	table	table	NOUN
easat-8335	203	2	4	4	NUM
easat-8335	203	3	.	.	PUNCT
easat-8335	203	4	path	path	PROPN
easat-8335	203	5	coefficient	coefficient	PROPN
easat-8335	203	6	.	.	PUNCT
easat-8335	204	1	hypothesis	hypothesis	NOUN
easat-8335	204	2	original	original	ADJ
easat-8335	204	3	sample	sample	NOUN
easat-8335	204	4	(	(	PUNCT
easat-8335	204	5	o	o	NOUN
easat-8335	204	6	)	)	PUNCT
easat-8335	204	7	sample	sample	NOUN
easat-8335	204	8	mean	mean	NOUN
easat-8335	204	9	(	(	PUNCT
easat-8335	204	10	m	m	NOUN
easat-8335	204	11	)	)	PUNCT
easat-8335	204	12	standard	standard	ADJ
easat-8335	204	13	deviation	deviation	NOUN
easat-8335	204	14	(	(	PUNCT
easat-8335	204	15	stdev	stdev	NOUN
easat-8335	204	16	)	)	PUNCT
easat-8335	204	17	t	t	PROPN
easat-8335	204	18	statistics	statistic	NOUN
easat-8335	204	19	(	(	PUNCT
easat-8335	204	20	|o	|o	NOUN
easat-8335	204	21	/	/	SYM
easat-8335	204	22	stdev|	stdev|	NOUN
easat-8335	204	23	)	)	PUNCT
easat-8335	204	24	p	p	NOUN
easat-8335	204	25	values	value	NOUN
easat-8335	204	26	decision	decision	NOUN
easat-8335	204	27	pu	pu	PROPN
easat-8335	204	28	-	-	PUNCT
easat-8335	204	29	>	>	X
easat-8335	204	30	epa	epa	PROPN
easat-8335	204	31	h1	h1	PROPN
easat-8335	204	32	0.706	0.706	NUM
easat-8335	204	33	0.689	0.689	NUM
easat-8335	204	34	0.088	0.088	NUM
easat-8335	204	35	7.994	7.994	NUM
easat-8335	204	36	0.000	0.000	NUM
easat-8335	204	37	accept	accept	VERB
easat-8335	204	38	pu	pu	PROPN
easat-8335	204	39	-	-	PUNCT
easat-8335	204	40	>	>	X
easat-8335	204	41	tr	tr	NOUN
easat-8335	204	42	h1	h1	NOUN
easat-8335	204	43	’	'	PUNCT
easat-8335	204	44	0.660	0.660	NUM
easat-8335	204	45	0.654	0.654	NUM
easat-8335	204	46	0.060	0.060	NUM
easat-8335	204	47	11.039	11.039	NUM
easat-8335	204	48	0.000	0.000	NUM
easat-8335	204	49	accept	accept	VERB
easat-8335	204	50	peou	peou	ADV
easat-8335	204	51	-	-	PUNCT
easat-8335	204	52	>	>	X
easat-8335	204	53	epa	epa	PROPN
easat-8335	204	54	h2	h2	PROPN
easat-8335	204	55	-0.042	-0.042	PROPN
easat-8335	204	56	-0.030	-0.030	NUM
easat-8335	204	57	0.052	0.052	NUM
easat-8335	204	58	0.813	0.813	NUM
easat-8335	204	59	0.416	0.416	NUM
easat-8335	204	60	accept	accept	VERB
easat-8335	204	61	peou	peou	ADV
easat-8335	204	62	-	-	PUNCT
easat-8335	204	63	>	>	X
easat-8335	204	64	tr	tr	VERB
easat-8335	204	65	h2	h2	NOUN
easat-8335	204	66	’	'	PUNCT
easat-8335	204	67	0.258	0.258	NUM
easat-8335	204	68	0.264	0.264	NUM
easat-8335	204	69	0.061	0.061	NUM
easat-8335	204	70	4.212	4.212	NUM
easat-8335	204	71	0.000	0.000	NUM
easat-8335	204	72	accept	accept	VERB
easat-8335	204	73	tr	tr	ADV
easat-8335	204	74	-	-	PUNCT
easat-8335	204	75	>	>	X
easat-8335	204	76	epa	epa	PROPN
easat-8335	204	77	h3	h3	VERB
easat-8335	204	78	0.187	0.187	NUM
easat-8335	204	79	0.191	0.191	NUM
easat-8335	204	80	0.091	0.091	NUM
easat-8335	204	81	2.068	2.068	NUM
easat-8335	204	82	0.039	0.039	NUM
easat-8335	204	83	accept	accept	VERB
easat-8335	204	84	se	se	X
easat-8335	204	85	-	-	PUNCT
easat-8335	204	86	>	>	X
easat-8335	204	87	epa	epa	PROPN
easat-8335	204	88	h4	h4	PROPN
easat-8335	204	89	-0.035	-0.035	PART
easat-8335	204	90	-0.043	-0.043	PUNCT
easat-8335	204	91	0.045	0.045	NUM
easat-8335	204	92	0.771	0.771	NUM
easat-8335	204	93	0.441	0.441	NUM
easat-8335	204	94	reject	reject	VERB
easat-8335	204	95	se	se	X
easat-8335	204	96	x	x	PROPN
easat-8335	204	97	pu	pu	PROPN
easat-8335	204	98	-	-	PUNCT
easat-8335	204	99	>	>	PROPN
easat-8335	204	100	epa	epa	PROPN
easat-8335	204	101	h4	h4	PROPN
easat-8335	204	102	’	'	PUNCT
easat-8335	204	103	0.037	0.037	NUM
easat-8335	204	104	0.009	0.009	NUM
easat-8335	204	105	0.080	0.080	NUM
easat-8335	204	106	0.467	0.467	NUM
easat-8335	204	107	0.640	0.640	NUM
easat-8335	204	108	reject	reject	NOUN
easat-8335	204	109	se	se	X
easat-8335	204	110	x	x	PUNCT
easat-8335	204	111	peou	peou	ADV
easat-8335	204	112	-	-	PUNCT
easat-8335	204	113	>	>	X
easat-8335	204	114	epa	epa	PROPN
easat-8335	204	115	h4	h4	PROPN
easat-8335	204	116	’’	’'	PUNCT
easat-8335	204	117	-0.001	-0.001	NOUN
easat-8335	204	118	0.011	0.011	NUM
easat-8335	204	119	0.060	0.060	NUM
easat-8335	204	120	0.021	0.021	NUM
easat-8335	204	121	0.983	0.983	NUM
easat-8335	204	122	reject	reject	NOUN
easat-8335	204	123	note	note	NOUN
easat-8335	204	124	:	:	PUNCT
easat-8335	205	1	pu	pu	ADJ
easat-8335	205	2	:	:	PUNCT
easat-8335	205	3	perceived	perceive	VERB
easat-8335	205	4	usefulness	usefulness	NOUN
easat-8335	205	5	;	;	PUNCT
easat-8335	205	6	pe	pe	PRON
easat-8335	205	7	:	:	PUNCT
easat-8335	205	8	perceived	perceive	VERB
easat-8335	205	9	ease	ease	NOUN
easat-8335	205	10	of	of	ADP
easat-8335	205	11	use	use	NOUN
easat-8335	205	12	;	;	PUNCT
easat-8335	205	13	tr	tr	VERB
easat-8335	205	14	:	:	PUNCT
easat-8335	205	15	trust	trust	NOUN
easat-8335	205	16	;	;	PUNCT
easat-8335	205	17	se	se	X
easat-8335	205	18	:	:	PUNCT
easat-8335	205	19	security	security	NOUN
easat-8335	205	20	;	;	PUNCT
easat-8335	205	21	epa	epa	PROPN
easat-8335	205	22	:	:	PUNCT
easat-8335	205	23	electronic	electronic	ADJ
easat-8335	205	24	payment	payment	NOUN
easat-8335	205	25	acceptance	acceptance	NOUN
easat-8335	205	26	.	.	PUNCT
easat-8335	206	1	source	source	NOUN
easat-8335	206	2	:	:	PUNCT
easat-8335	206	3	author	author	PROPN
easat-8335	206	4	’s	’s	PART
easat-8335	206	5	data	datum	NOUN
easat-8335	206	6	analysis	analysis	NOUN
easat-8335	206	7	.	.	PUNCT
easat-8335	207	1	4.2.1	4.2.1	NOUN
easat-8335	207	2	.	.	PUNCT
easat-8335	208	1	mediation	mediation	NOUN
easat-8335	208	2	in	in	ADP
easat-8335	208	3	this	this	DET
easat-8335	208	4	study	study	NOUN
easat-8335	208	5	,	,	PUNCT
easat-8335	208	6	trust	trust	NOUN
easat-8335	208	7	displayed	display	VERB
easat-8335	208	8	a	a	DET
easat-8335	208	9	mediating	mediate	VERB
easat-8335	208	10	effect	effect	NOUN
easat-8335	208	11	on	on	ADP
easat-8335	208	12	the	the	DET
easat-8335	208	13	relationship	relationship	NOUN
easat-8335	208	14	between	between	ADP
easat-8335	208	15	perceived	perceive	VERB
easat-8335	208	16	usefulness	usefulness	NOUN
easat-8335	208	17	and	and	CCONJ
easat-8335	208	18	the	the	DET
easat-8335	208	19	acceptance	acceptance	NOUN
easat-8335	208	20	of	of	ADP
easat-8335	208	21	e	e	NOUN
easat-8335	208	22	-	-	NOUN
easat-8335	208	23	payment	payment	NOUN
easat-8335	208	24	;	;	PUNCT
easat-8335	208	25	the	the	DET
easat-8335	208	26	coefficient	coefficient	NOUN
easat-8335	208	27	of	of	ADP
easat-8335	208	28	perceived	perceive	VERB
easat-8335	208	29	usefulness	usefulness	NOUN
easat-8335	208	30	toward	toward	ADP
easat-8335	208	31	the	the	DET
easat-8335	208	32	acceptance	acceptance	NOUN
easat-8335	208	33	of	of	ADP
easat-8335	208	34	epayment	epayment	NOUN
easat-8335	208	35	was	be	AUX
easat-8335	208	36	0.000	0.000	NUM
easat-8335	208	37	,	,	PUNCT
easat-8335	208	38	with	with	ADP
easat-8335	208	39	a	a	DET
easat-8335	208	40	p	p	NOUN
easat-8335	208	41	-	-	PUNCT
easat-8335	208	42	value	value	NOUN
easat-8335	208	43	=	=	NOUN
easat-8335	208	44	0.054	0.054	NUM
easat-8335	208	45	.	.	PUNCT
easat-8335	209	1	next	next	ADV
easat-8335	209	2	,	,	PUNCT
easat-8335	209	3	regarding	regard	VERB
easat-8335	209	4	the	the	DET
easat-8335	209	5	mediating	mediate	VERB
easat-8335	209	6	effect	effect	NOUN
easat-8335	209	7	of	of	ADP
easat-8335	209	8	trust	trust	NOUN
easat-8335	209	9	on	on	ADP
easat-8335	209	10	the	the	DET
easat-8335	209	11	association	association	NOUN
easat-8335	209	12	between	between	ADP
easat-8335	209	13	perceived	perceive	VERB
easat-8335	209	14	ease	ease	NOUN
easat-8335	209	15	of	of	ADP
easat-8335	209	16	use	use	NOUN
easat-8335	209	17	and	and	CCONJ
easat-8335	209	18	the	the	DET
easat-8335	209	19	acceptance	acceptance	NOUN
easat-8335	209	20	of	of	ADP
easat-8335	209	21	e	e	NOUN
easat-8335	209	22	-	-	NOUN
easat-8335	209	23	payment	payment	NOUN
easat-8335	209	24	,	,	PUNCT
easat-8335	209	25	the	the	DET
easat-8335	209	26	coefficient	coefficient	NOUN
easat-8335	209	27	of	of	ADP
easat-8335	209	28	perceived	perceive	VERB
easat-8335	209	29	ease	ease	NOUN
easat-8335	209	30	of	of	ADP
easat-8335	209	31	use	use	NOUN
easat-8335	209	32	on	on	ADP
easat-8335	209	33	the	the	DET
easat-8335	209	34	acceptance	acceptance	NOUN
easat-8335	209	35	of	of	ADP
easat-8335	209	36	e	e	NOUN
easat-8335	209	37	-	-	NOUN
easat-8335	209	38	payment	payment	NOUN
easat-8335	209	39	was	be	AUX
easat-8335	209	40	0.416	0.416	NUM
easat-8335	209	41	with	with	ADP
easat-8335	209	42	a	a	DET
easat-8335	209	43	p	p	NOUN
easat-8335	209	44	-	-	PUNCT
easat-8335	209	45	value	value	NOUN
easat-8335	209	46	=	=	NOUN
easat-8335	209	47	0.047	0.047	NUM
easat-8335	209	48	.	.	PUNCT
easat-8335	210	1	the	the	DET
easat-8335	210	2	mediation	mediation	NOUN
easat-8335	210	3	results	result	NOUN
easat-8335	210	4	are	be	AUX
easat-8335	210	5	presented	present	VERB
easat-8335	210	6	in	in	ADP
easat-8335	210	7	table	table	NOUN
easat-8335	210	8	5	5	NUM
easat-8335	210	9	.	.	NOUN
easat-8335	210	10	2199	2199	NUM
easat-8335	210	11	edelweiss	edelweiss	PROPN
easat-8335	210	12	applied	apply	VERB
easat-8335	210	13	science	science	NOUN
easat-8335	210	14	and	and	CCONJ
easat-8335	210	15	technology	technology	NOUN
easat-8335	210	16	issn	issn	PROPN
easat-8335	210	17	:	:	PUNCT
easat-8335	210	18	2576	2576	NUM
easat-8335	210	19	-	-	SYM
easat-8335	210	20	8484	8484	NUM
easat-8335	210	21	vol	vol	NOUN
easat-8335	210	22	.	.	PROPN
easat-8335	211	1	9	9	NUM
easat-8335	211	2	,	,	PUNCT
easat-8335	211	3	no	no	INTJ
easat-8335	211	4	.	.	NOUN
easat-8335	211	5	6	6	NUM
easat-8335	211	6	:	:	SYM
easat-8335	211	7	2191	2191	NUM
easat-8335	211	8	-	-	SYM
easat-8335	211	9	2202	2202	NUM
easat-8335	211	10	,	,	PUNCT
easat-8335	211	11	2025	2025	NUM
easat-8335	211	12	doi	doi	NOUN
easat-8335	211	13	:	:	PUNCT
easat-8335	212	1	10.55214/25768484.v9i6.8335	10.55214/25768484.v9i6.8335	NUM
easat-8335	212	2	©	©	PROPN
easat-8335	212	3	2025	2025	NUM
easat-8335	212	4	by	by	ADP
easat-8335	212	5	the	the	DET
easat-8335	212	6	authors	author	NOUN
easat-8335	212	7	;	;	PUNCT
easat-8335	212	8	licensee	licensee	PROPN
easat-8335	212	9	learning	learn	VERB
easat-8335	212	10	gate	gate	NOUN
easat-8335	212	11	table	table	NOUN
easat-8335	212	12	5	5	NUM
easat-8335	212	13	.	.	PUNCT
easat-8335	212	14	mediation	mediation	NOUN
easat-8335	212	15	effect	effect	NOUN
easat-8335	212	16	.	.	PUNCT
easat-8335	213	1	hypothesis	hypothesis	NOUN
easat-8335	213	2	original	original	ADJ
easat-8335	213	3	sample	sample	NOUN
easat-8335	213	4	(	(	PUNCT
easat-8335	213	5	o	o	NOUN
easat-8335	213	6	)	)	PUNCT
easat-8335	213	7	sample	sample	NOUN
easat-8335	213	8	mean	mean	NOUN
easat-8335	213	9	(	(	PUNCT
easat-8335	213	10	m	m	NOUN
easat-8335	213	11	)	)	PUNCT
easat-8335	213	12	standard	standard	ADJ
easat-8335	213	13	deviation	deviation	NOUN
easat-8335	213	14	(	(	PUNCT
easat-8335	213	15	stdev	stdev	NOUN
easat-8335	213	16	)	)	PUNCT
easat-8335	213	17	t	t	PROPN
easat-8335	213	18	statistics	statistic	NOUN
easat-8335	213	19	(	(	PUNCT
easat-8335	213	20	|o	|o	NOUN
easat-8335	213	21	/	/	SYM
easat-8335	213	22	stdev|	stdev|	NOUN
easat-8335	213	23	)	)	PUNCT
easat-8335	213	24	p	p	NOUN
easat-8335	213	25	values	value	NOUN
easat-8335	213	26	decision	decision	NOUN
easat-8335	213	27	pu	pu	PROPN
easat-8335	213	28	-	-	PUNCT
easat-8335	213	29	>	>	X
easat-8335	213	30	tr	tr	PROPN
easat-8335	213	31	>	>	X
easat-8335	213	32	epa	epa	PROPN
easat-8335	213	33	h3	h3	NOUN
easat-8335	213	34	’	'	PUNCT
easat-8335	213	35	0.124	0.124	NUM
easat-8335	213	36	0.127	0.127	NUM
easat-8335	213	37	0.064	0.064	NUM
easat-8335	213	38	1.931	1.931	NUM
easat-8335	213	39	0.054	0.054	NUM
easat-8335	213	40	accept	accept	VERB
easat-8335	213	41	peou	peou	ADV
easat-8335	213	42	-	-	PUNCT
easat-8335	213	43	>	>	PUNCT
easat-8335	213	44	tr	tr	PROPN
easat-8335	213	45	-	-	PUNCT
easat-8335	213	46	>	>	X
easat-8335	213	47	epa	epa	PROPN
easat-8335	213	48	h3	h3	NOUN
easat-8335	213	49	’’	’'	PUNCT
easat-8335	213	50	0.048	0.048	NUM
easat-8335	213	51	0.049	0.049	NUM
easat-8335	213	52	0.024	0.024	NUM
easat-8335	213	53	1.990	1.990	NUM
easat-8335	213	54	0.047	0.047	NUM
easat-8335	213	55	accept	accept	NOUN
easat-8335	213	56	note	note	NOUN
easat-8335	213	57	:	:	PUNCT
easat-8335	213	58	pu	pu	ADJ
easat-8335	213	59	:	:	PUNCT
easat-8335	213	60	perceived	perceive	VERB
easat-8335	213	61	usefulness	usefulness	NOUN
easat-8335	213	62	;	;	PUNCT
easat-8335	213	63	pe	pe	PRON
easat-8335	213	64	:	:	PUNCT
easat-8335	213	65	perceived	perceive	VERB
easat-8335	213	66	ease	ease	NOUN
easat-8335	213	67	of	of	ADP
easat-8335	213	68	use	use	NOUN
easat-8335	213	69	;	;	PUNCT
easat-8335	213	70	epa	epa	NOUN
easat-8335	213	71	:	:	PUNCT
easat-8335	213	72	electronic	electronic	ADJ
easat-8335	213	73	payment	payment	NOUN
easat-8335	213	74	acceptance	acceptance	NOUN
easat-8335	213	75	.	.	PUNCT
easat-8335	214	1	source	source	NOUN
easat-8335	214	2	:	:	PUNCT
easat-8335	214	3	author	author	PROPN
easat-8335	214	4	’s	’s	PART
easat-8335	214	5	data	datum	NOUN
easat-8335	214	6	analysis	analysis	NOUN
easat-8335	214	7	.	.	PUNCT
easat-8335	215	1	4.2.2	4.2.2	X
easat-8335	215	2	.	.	PUNCT
easat-8335	216	1	moderation	moderation	NOUN
easat-8335	216	2	the	the	DET
easat-8335	216	3	moderation	moderation	NOUN
easat-8335	216	4	effect	effect	NOUN
easat-8335	216	5	security	security	NOUN
easat-8335	216	6	was	be	AUX
easat-8335	216	7	assessed	assess	VERB
easat-8335	216	8	on	on	ADP
easat-8335	216	9	the	the	DET
easat-8335	216	10	relationships	relationship	NOUN
easat-8335	216	11	of	of	ADP
easat-8335	216	12	perceived	perceive	VERB
easat-8335	216	13	usefulness	usefulness	NOUN
easat-8335	216	14	,	,	PUNCT
easat-8335	216	15	perceived	perceive	VERB
easat-8335	216	16	ease	ease	NOUN
easat-8335	216	17	of	of	ADP
easat-8335	216	18	use	use	NOUN
easat-8335	216	19	with	with	ADP
easat-8335	216	20	the	the	DET
easat-8335	216	21	acceptance	acceptance	NOUN
easat-8335	216	22	of	of	ADP
easat-8335	216	23	e	e	NOUN
easat-8335	216	24	-	-	NOUN
easat-8335	216	25	payment	payment	NOUN
easat-8335	216	26	.	.	PUNCT
easat-8335	217	1	as	as	ADP
easat-8335	217	2	a	a	DET
easat-8335	217	3	result	result	NOUN
easat-8335	217	4	,	,	PUNCT
easat-8335	217	5	the	the	DET
easat-8335	217	6	security	security	NOUN
easat-8335	217	7	factor	factor	NOUN
easat-8335	217	8	failed	fail	VERB
easat-8335	217	9	to	to	PART
easat-8335	217	10	moderate	moderate	VERB
easat-8335	217	11	the	the	DET
easat-8335	217	12	relationships	relationship	NOUN
easat-8335	217	13	between	between	ADP
easat-8335	217	14	perceived	perceive	VERB
easat-8335	217	15	usefulness	usefulness	NOUN
easat-8335	217	16	,	,	PUNCT
easat-8335	217	17	perceived	perceive	VERB
easat-8335	217	18	ease	ease	NOUN
easat-8335	217	19	of	of	ADP
easat-8335	217	20	use	use	NOUN
easat-8335	217	21	and	and	CCONJ
easat-8335	217	22	the	the	DET
easat-8335	217	23	acceptance	acceptance	NOUN
easat-8335	217	24	of	of	ADP
easat-8335	217	25	e	e	NOUN
easat-8335	217	26	-	-	NOUN
easat-8335	217	27	payment	payment	NOUN
easat-8335	217	28	with	with	ADP
easat-8335	217	29	p	p	NOUN
easat-8335	217	30	values	value	NOUN
easat-8335	217	31	greater	great	ADJ
easat-8335	217	32	than	than	ADP
easat-8335	217	33	=	=	NOUN
easat-8335	217	34	0.05	0.05	NUM
easat-8335	217	35	.	.	PUNCT
easat-8335	218	1	regarding	regard	VERB
easat-8335	218	2	the	the	DET
easat-8335	218	3	relationship	relationship	NOUN
easat-8335	218	4	between	between	ADP
easat-8335	218	5	perceived	perceive	VERB
easat-8335	218	6	usefulness	usefulness	NOUN
easat-8335	218	7	and	and	CCONJ
easat-8335	218	8	the	the	DET
easat-8335	218	9	acceptance	acceptance	NOUN
easat-8335	218	10	of	of	ADP
easat-8335	218	11	e	e	NOUN
easat-8335	218	12	-	-	NOUN
easat-8335	218	13	payment	payment	NOUN
easat-8335	218	14	,	,	PUNCT
easat-8335	218	15	the	the	DET
easat-8335	218	16	coefficient	coefficient	NOUN
easat-8335	218	17	of	of	ADP
easat-8335	218	18	perceived	perceive	VERB
easat-8335	218	19	usefulness	usefulness	NOUN
easat-8335	218	20	toward	toward	ADP
easat-8335	218	21	the	the	DET
easat-8335	218	22	acceptance	acceptance	NOUN
easat-8335	218	23	of	of	ADP
easat-8335	218	24	e	e	NOUN
easat-8335	218	25	-	-	NOUN
easat-8335	218	26	payment	payment	NOUN
easat-8335	218	27	was	be	AUX
easat-8335	218	28	0.037	0.037	NUM
easat-8335	218	29	with	with	ADP
easat-8335	218	30	a	a	DET
easat-8335	218	31	p	p	NOUN
easat-8335	218	32	-	-	PUNCT
easat-8335	218	33	value	value	NOUN
easat-8335	218	34	=	=	NOUN
easat-8335	218	35	0.640	0.640	NUM
easat-8335	218	36	.	.	PUNCT
easat-8335	219	1	in	in	ADP
easat-8335	219	2	regard	regard	NOUN
easat-8335	219	3	to	to	ADP
easat-8335	219	4	the	the	DET
easat-8335	219	5	relationship	relationship	NOUN
easat-8335	219	6	between	between	ADP
easat-8335	219	7	perceived	perceive	VERB
easat-8335	219	8	ease	ease	NOUN
easat-8335	219	9	of	of	ADP
easat-8335	219	10	use	use	NOUN
easat-8335	219	11	and	and	CCONJ
easat-8335	219	12	the	the	DET
easat-8335	219	13	acceptance	acceptance	NOUN
easat-8335	219	14	of	of	ADP
easat-8335	219	15	e	e	NOUN
easat-8335	219	16	-	-	NOUN
easat-8335	219	17	payment	payment	NOUN
easat-8335	219	18	,	,	PUNCT
easat-8335	219	19	the	the	DET
easat-8335	219	20	coefficient	coefficient	NOUN
easat-8335	219	21	of	of	ADP
easat-8335	219	22	perceived	perceive	VERB
easat-8335	219	23	ease	ease	NOUN
easat-8335	219	24	of	of	ADP
easat-8335	219	25	use	use	NOUN
easat-8335	219	26	toward	toward	ADP
easat-8335	219	27	the	the	DET
easat-8335	219	28	acceptance	acceptance	NOUN
easat-8335	219	29	of	of	ADP
easat-8335	219	30	e	e	NOUN
easat-8335	219	31	-	-	NOUN
easat-8335	219	32	payment	payment	NOUN
easat-8335	219	33	was	be	AUX
easat-8335	219	34	-0.001	-0.001	VERB
easat-8335	219	35	with	with	ADP
easat-8335	219	36	a	a	DET
easat-8335	219	37	p	p	NOUN
easat-8335	219	38	-	-	PUNCT
easat-8335	219	39	value	value	NOUN
easat-8335	219	40	=	=	NOUN
easat-8335	219	41	0.983	0.983	NUM
easat-8335	219	42	.	.	PUNCT
easat-8335	220	1	the	the	DET
easat-8335	220	2	moderation	moderation	NOUN
easat-8335	220	3	results	result	NOUN
easat-8335	220	4	are	be	AUX
easat-8335	220	5	presented	present	VERB
easat-8335	220	6	in	in	ADP
easat-8335	220	7	table	table	NOUN
easat-8335	220	8	6	6	NUM
easat-8335	220	9	.	.	PUNCT
easat-8335	220	10	table	table	NOUN
easat-8335	220	11	6	6	NUM
easat-8335	220	12	.	.	PUNCT
easat-8335	220	13	moderating	moderate	VERB
easat-8335	220	14	effect	effect	NOUN
easat-8335	220	15	.	.	PUNCT
easat-8335	221	1	hypothesis	hypothesis	NOUN
easat-8335	221	2	original	original	ADJ
easat-8335	221	3	sample	sample	NOUN
easat-8335	221	4	(	(	PUNCT
easat-8335	221	5	o	o	NOUN
easat-8335	221	6	)	)	PUNCT
easat-8335	221	7	sample	sample	NOUN
easat-8335	221	8	mean	mean	NOUN
easat-8335	221	9	(	(	PUNCT
easat-8335	221	10	m	m	NOUN
easat-8335	221	11	)	)	PUNCT
easat-8335	221	12	standard	standard	ADJ
easat-8335	221	13	deviation	deviation	NOUN
easat-8335	221	14	(	(	PUNCT
easat-8335	221	15	stdev	stdev	NOUN
easat-8335	221	16	)	)	PUNCT
easat-8335	221	17	t	t	PROPN
easat-8335	221	18	statistics	statistic	NOUN
easat-8335	221	19	(	(	PUNCT
easat-8335	221	20	|o	|o	NOUN
easat-8335	221	21	/	/	SYM
easat-8335	221	22	stdev|	stdev|	NOUN
easat-8335	221	23	)	)	PUNCT
easat-8335	221	24	p	p	NOUN
easat-8335	221	25	values	value	NOUN
easat-8335	221	26	decision	decision	NOUN
easat-8335	221	27	se	se	X
easat-8335	221	28	x	x	X
easat-8335	221	29	pu	pu	PROPN
easat-8335	221	30	>	>	X
easat-8335	221	31	epa	epa	PROPN
easat-8335	221	32	h4	h4	PROPN
easat-8335	221	33	’	'	PUNCT
easat-8335	221	34	0.037	0.037	NUM
easat-8335	221	35	0.009	0.009	NUM
easat-8335	221	36	0.080	0.080	NUM
easat-8335	221	37	0.467	0.467	NUM
easat-8335	221	38	0.640	0.640	NUM
easat-8335	221	39	no	no	DET
easat-8335	221	40	moderation	moderation	NOUN
easat-8335	221	41	se	se	X
easat-8335	221	42	x	x	SYM
easat-8335	221	43	peou	peou	ADV
easat-8335	221	44	-	-	PUNCT
easat-8335	221	45	>	>	X
easat-8335	221	46	epa	epa	PROPN
easat-8335	221	47	h4	h4	PROPN
easat-8335	221	48	’’	’'	PUNCT
easat-8335	221	49	-0.001	-0.001	NOUN
easat-8335	221	50	0.011	0.011	NUM
easat-8335	221	51	0.060	0.060	NUM
easat-8335	221	52	0.021	0.021	NUM
easat-8335	221	53	0.983	0.983	NUM
easat-8335	221	54	no	no	DET
easat-8335	221	55	moderation	moderation	NOUN
easat-8335	221	56	note	note	NOUN
easat-8335	221	57	:	:	PUNCT
easat-8335	221	58	pu	pu	ADJ
easat-8335	221	59	:	:	PUNCT
easat-8335	221	60	perceived	perceive	VERB
easat-8335	221	61	usefulness	usefulness	NOUN
easat-8335	221	62	;	;	PUNCT
easat-8335	221	63	pe	pe	PRON
easat-8335	221	64	:	:	PUNCT
easat-8335	221	65	perceived	perceive	VERB
easat-8335	221	66	ease	ease	NOUN
easat-8335	221	67	of	of	ADP
easat-8335	221	68	use	use	NOUN
easat-8335	221	69	;	;	PUNCT
easat-8335	221	70	se	se	X
easat-8335	221	71	:	:	PUNCT
easat-8335	221	72	security	security	NOUN
easat-8335	221	73	;	;	PUNCT
easat-8335	221	74	epa	epa	PROPN
easat-8335	221	75	:	:	PUNCT
easat-8335	221	76	electronic	electronic	ADJ
easat-8335	221	77	payment	payment	NOUN
easat-8335	221	78	acceptance	acceptance	NOUN
easat-8335	221	79	.	.	PUNCT
easat-8335	222	1	source	source	NOUN
easat-8335	222	2	:	:	PUNCT
easat-8335	222	3	author	author	PROPN
easat-8335	222	4	’s	’s	PART
easat-8335	222	5	data	datum	NOUN
easat-8335	222	6	analysis	analysis	NOUN
easat-8335	222	7	.	.	PUNCT
easat-8335	223	1	5	5	X
easat-8335	223	2	.	.	X
easat-8335	223	3	discussion	discussion	NOUN
easat-8335	223	4	this	this	DET
easat-8335	223	5	study	study	NOUN
easat-8335	223	6	explored	explore	VERB
easat-8335	223	7	the	the	DET
easat-8335	223	8	factors	factor	NOUN
easat-8335	223	9	that	that	PRON
easat-8335	223	10	affected	affect	VERB
easat-8335	223	11	the	the	DET
easat-8335	223	12	acceptance	acceptance	NOUN
easat-8335	223	13	of	of	ADP
easat-8335	223	14	e	e	NOUN
easat-8335	223	15	-	-	NOUN
easat-8335	223	16	payments	payment	NOUN
easat-8335	223	17	through	through	ADP
easat-8335	223	18	trust	trust	NOUN
easat-8335	223	19	and	and	CCONJ
easat-8335	223	20	one	one	NUM
easat-8335	223	21	moderating	moderate	VERB
easat-8335	223	22	factor	factor	NOUN
easat-8335	223	23	(	(	PUNCT
easat-8335	223	24	security	security	NOUN
easat-8335	223	25	)	)	PUNCT
easat-8335	223	26	.	.	PUNCT
easat-8335	224	1	firstly	firstly	ADV
easat-8335	224	2	,	,	PUNCT
easat-8335	224	3	this	this	DET
easat-8335	224	4	study	study	NOUN
easat-8335	224	5	shown	show	VERB
easat-8335	224	6	that	that	SCONJ
easat-8335	224	7	perceived	perceive	VERB
easat-8335	224	8	usefulness	usefulness	NOUN
easat-8335	224	9	had	have	VERB
easat-8335	224	10	a	a	DET
easat-8335	224	11	significant	significant	ADJ
easat-8335	224	12	impact	impact	NOUN
easat-8335	224	13	on	on	ADP
easat-8335	224	14	the	the	DET
easat-8335	224	15	acceptance	acceptance	NOUN
easat-8335	224	16	of	of	ADP
easat-8335	224	17	electronic	electronic	ADJ
easat-8335	224	18	payment	payment	NOUN
easat-8335	224	19	systems	system	NOUN
easat-8335	224	20	.	.	PUNCT
easat-8335	225	1	it	it	PRON
easat-8335	225	2	also	also	ADV
easat-8335	225	3	verified	verify	VERB
easat-8335	225	4	the	the	DET
easat-8335	225	5	significantly	significantly	ADV
easat-8335	225	6	positive	positive	ADJ
easat-8335	225	7	effect	effect	NOUN
easat-8335	225	8	displayed	display	VERB
easat-8335	225	9	by	by	ADP
easat-8335	225	10	perceived	perceive	VERB
easat-8335	225	11	usefulness	usefulness	NOUN
easat-8335	225	12	upon	upon	SCONJ
easat-8335	225	13	trust	trust	NOUN
easat-8335	225	14	(	(	PUNCT
easat-8335	225	15	h1	h1	PROPN
easat-8335	225	16	,	,	PUNCT
easat-8335	225	17	h1	h1	PROPN
easat-8335	225	18	’	'	PUNCT
easat-8335	225	19	)	)	PUNCT
easat-8335	225	20	.	.	PUNCT
easat-8335	226	1	this	this	DET
easat-8335	226	2	study	study	NOUN
easat-8335	226	3	finding	finding	NOUN
easat-8335	226	4	supports	support	VERB
easat-8335	226	5	the	the	DET
easat-8335	226	6	previous	previous	ADJ
easat-8335	226	7	studies	study	NOUN
easat-8335	226	8	like	like	ADP
easat-8335	226	9	shaikh	shaikh	PROPN
easat-8335	226	10	,	,	PUNCT
easat-8335	226	11	et	et	PROPN
easat-8335	226	12	al	al	PROPN
easat-8335	226	13	.	.	PUNCT
easat-8335	227	1	[	[	X
easat-8335	227	2	45	45	NUM
easat-8335	227	3	]	]	PUNCT
easat-8335	227	4	which	which	PRON
easat-8335	227	5	stated	state	VERB
easat-8335	227	6	that	that	SCONJ
easat-8335	227	7	the	the	DET
easat-8335	227	8	clients	client	NOUN
easat-8335	227	9	’	’	PART
easat-8335	227	10	trust	trust	NOUN
easat-8335	227	11	mediates	mediate	VERB
easat-8335	227	12	the	the	DET
easat-8335	227	13	correlation	correlation	NOUN
easat-8335	227	14	between	between	ADP
easat-8335	227	15	perceived	perceive	VERB
easat-8335	227	16	usefulness	usefulness	NOUN
easat-8335	227	17	and	and	CCONJ
easat-8335	227	18	acceptance	acceptance	NOUN
easat-8335	227	19	intention	intention	NOUN
easat-8335	227	20	of	of	ADP
easat-8335	227	21	the	the	DET
easat-8335	227	22	mobile	mobile	ADJ
easat-8335	227	23	payment	payment	NOUN
easat-8335	227	24	systems	system	NOUN
easat-8335	227	25	.	.	PUNCT
easat-8335	228	1	similarly	similarly	ADV
easat-8335	228	2	,	,	PUNCT
easat-8335	228	3	hassan	hassan	PROPN
easat-8335	228	4	and	and	CCONJ
easat-8335	228	5	raza	raza	PROPN
easat-8335	229	1	[	[	X
easat-8335	229	2	46	46	NUM
easat-8335	229	3	]	]	PUNCT
easat-8335	229	4	mentioned	mention	VERB
easat-8335	229	5	that	that	SCONJ
easat-8335	229	6	the	the	DET
easat-8335	229	7	customers	customer	NOUN
easat-8335	229	8	trust	trust	VERB
easat-8335	229	9	through	through	ADP
easat-8335	229	10	perceived	perceive	VERB
easat-8335	229	11	usefulness	usefulness	NOUN
easat-8335	229	12	impact	impact	NOUN
easat-8335	229	13	positively	positively	ADV
easat-8335	229	14	on	on	ADP
easat-8335	229	15	the	the	DET
easat-8335	229	16	electronic	electronic	ADJ
easat-8335	229	17	payment	payment	NOUN
easat-8335	229	18	systems	system	NOUN
easat-8335	229	19	.	.	PUNCT
easat-8335	230	1	as	as	ADP
easat-8335	230	2	a	a	DET
easat-8335	230	3	consequence	consequence	NOUN
easat-8335	230	4	,	,	PUNCT
easat-8335	230	5	customers	customer	NOUN
easat-8335	230	6	might	might	AUX
easat-8335	230	7	consider	consider	VERB
easat-8335	230	8	electronic	electronic	ADJ
easat-8335	230	9	payment	payment	NOUN
easat-8335	230	10	methods	method	NOUN
easat-8335	230	11	as	as	ADP
easat-8335	230	12	a	a	DET
easat-8335	230	13	practical	practical	ADJ
easat-8335	230	14	and	and	CCONJ
easat-8335	230	15	wise	wise	ADJ
easat-8335	230	16	option	option	NOUN
easat-8335	230	17	for	for	ADP
easat-8335	230	18	future	future	ADJ
easat-8335	230	19	purchases	purchase	NOUN
easat-8335	230	20	.	.	PUNCT
easat-8335	231	1	therefore	therefore	ADV
easat-8335	231	2	,	,	PUNCT
easat-8335	231	3	to	to	PART
easat-8335	231	4	emphasize	emphasize	VERB
easat-8335	231	5	the	the	DET
easat-8335	231	6	value	value	NOUN
easat-8335	231	7	of	of	ADP
easat-8335	231	8	e	e	NOUN
easat-8335	231	9	-	-	NOUN
easat-8335	231	10	payment	payment	NOUN
easat-8335	231	11	systems	system	NOUN
easat-8335	231	12	,	,	PUNCT
easat-8335	231	13	it	it	PRON
easat-8335	231	14	is	be	AUX
easat-8335	231	15	crucial	crucial	ADJ
easat-8335	231	16	to	to	PART
easat-8335	231	17	give	give	VERB
easat-8335	231	18	customers	customer	NOUN
easat-8335	231	19	comprehensive	comprehensive	ADJ
easat-8335	231	20	information	information	NOUN
easat-8335	231	21	on	on	ADP
easat-8335	231	22	electronic	electronic	ADJ
easat-8335	231	23	content	content	NOUN
easat-8335	231	24	in	in	ADP
easat-8335	231	25	particular	particular	ADJ
easat-8335	231	26	.	.	PUNCT
easat-8335	232	1	secondly	secondly	ADV
easat-8335	232	2	,	,	PUNCT
easat-8335	232	3	the	the	DET
easat-8335	232	4	study	study	NOUN
easat-8335	232	5	illustrated	illustrate	VERB
easat-8335	232	6	that	that	SCONJ
easat-8335	232	7	perceived	perceive	VERB
easat-8335	232	8	ease	ease	NOUN
easat-8335	232	9	of	of	ADP
easat-8335	232	10	use	use	NOUN
easat-8335	232	11	had	have	VERB
easat-8335	232	12	an	an	DET
easat-8335	232	13	significant	significant	ADJ
easat-8335	232	14	effect	effect	NOUN
easat-8335	232	15	on	on	ADP
easat-8335	232	16	the	the	DET
easat-8335	232	17	acceptance	acceptance	NOUN
easat-8335	232	18	of	of	ADP
easat-8335	232	19	electronic	electronic	ADJ
easat-8335	232	20	payment	payment	NOUN
easat-8335	232	21	systems	system	NOUN
easat-8335	232	22	.	.	PUNCT
easat-8335	233	1	it	it	PRON
easat-8335	233	2	also	also	ADV
easat-8335	233	3	depicted	depict	VERB
easat-8335	233	4	that	that	SCONJ
easat-8335	233	5	perceived	perceive	VERB
easat-8335	233	6	ease	ease	NOUN
easat-8335	233	7	of	of	ADP
easat-8335	233	8	use	use	NOUN
easat-8335	233	9	had	have	VERB
easat-8335	233	10	a	a	DET
easat-8335	233	11	positive	positive	ADJ
easat-8335	233	12	effect	effect	NOUN
easat-8335	233	13	on	on	ADP
easat-8335	233	14	the	the	DET
easat-8335	233	15	acceptance	acceptance	NOUN
easat-8335	233	16	of	of	ADP
easat-8335	233	17	electronic	electronic	ADJ
easat-8335	233	18	payment	payment	NOUN
easat-8335	233	19	systems	system	NOUN
easat-8335	233	20	through	through	ADP
easat-8335	233	21	trust	trust	NOUN
easat-8335	233	22	(	(	PUNCT
easat-8335	233	23	h2	h2	PROPN
easat-8335	233	24	,	,	PUNCT
easat-8335	233	25	h2	h2	NOUN
easat-8335	233	26	’	'	PUNCT
easat-8335	233	27	)	)	PUNCT
easat-8335	233	28	.	.	PUNCT
easat-8335	234	1	this	this	DET
easat-8335	234	2	study	study	NOUN
easat-8335	234	3	supports	support	VERB
easat-8335	234	4	[	[	X
easat-8335	234	5	32	32	NUM
easat-8335	234	6	]	]	PUNCT
easat-8335	234	7	which	which	PRON
easat-8335	234	8	stated	state	VERB
easat-8335	234	9	that	that	SCONJ
easat-8335	234	10	the	the	DET
easat-8335	234	11	clients	client	NOUN
easat-8335	234	12	who	who	PRON
easat-8335	234	13	find	find	VERB
easat-8335	234	14	the	the	DET
easat-8335	234	15	electronic	electronic	ADJ
easat-8335	234	16	payment	payment	NOUN
easat-8335	234	17	easy	easy	ADJ
easat-8335	234	18	to	to	PART
easat-8335	234	19	use	use	VERB
easat-8335	234	20	their	their	PRON
easat-8335	234	21	trust	trust	NOUN
easat-8335	234	22	level	level	NOUN
easat-8335	234	23	will	will	AUX
easat-8335	234	24	be	be	AUX
easat-8335	234	25	higher	high	ADJ
easat-8335	234	26	which	which	PRON
easat-8335	234	27	led	lead	VERB
easat-8335	234	28	to	to	ADP
easat-8335	234	29	a	a	DET
easat-8335	234	30	secure	secure	ADJ
easat-8335	234	31	and	and	CCONJ
easat-8335	234	32	reliable	reliable	ADJ
easat-8335	234	33	systems	system	NOUN
easat-8335	234	34	.	.	PUNCT
easat-8335	235	1	this	this	DET
easat-8335	235	2	study	study	NOUN
easat-8335	235	3	is	be	AUX
easat-8335	235	4	further	far	ADV
easat-8335	235	5	supported	support	VERB
easat-8335	235	6	by	by	ADP
easat-8335	235	7	amin	amin	NOUN
easat-8335	235	8	[	[	X
easat-8335	235	9	47	47	NUM
easat-8335	235	10	]	]	PUNCT
easat-8335	235	11	who	who	PRON
easat-8335	235	12	said	say	VERB
easat-8335	235	13	that	that	SCONJ
easat-8335	235	14	easiness	easiness	NOUN
easat-8335	235	15	of	of	ADP
easat-8335	235	16	use	use	NOUN
easat-8335	235	17	boost	boost	NOUN
easat-8335	235	18	trust	trust	NOUN
easat-8335	235	19	by	by	ADP
easat-8335	235	20	reducing	reduce	VERB
easat-8335	235	21	the	the	DET
easat-8335	235	22	electronic	electronic	ADJ
easat-8335	235	23	payments	payment	NOUN
easat-8335	235	24	risk	risk	NOUN
easat-8335	235	25	and	and	CCONJ
easat-8335	235	26	complexity	complexity	NOUN
easat-8335	235	27	.	.	PUNCT
easat-8335	236	1	2200	2200	NUM
easat-8335	236	2	edelweiss	edelweiss	PROPN
easat-8335	236	3	applied	apply	VERB
easat-8335	236	4	science	science	NOUN
easat-8335	236	5	and	and	CCONJ
easat-8335	236	6	technology	technology	NOUN
easat-8335	236	7	issn	issn	PROPN
easat-8335	236	8	:	:	PUNCT
easat-8335	236	9	2576	2576	NUM
easat-8335	236	10	-	-	SYM
easat-8335	236	11	8484	8484	NUM
easat-8335	236	12	vol	vol	NOUN
easat-8335	236	13	.	.	PROPN
easat-8335	237	1	9	9	NUM
easat-8335	237	2	,	,	PUNCT
easat-8335	237	3	no	no	INTJ
easat-8335	237	4	.	.	NOUN
easat-8335	237	5	6	6	NUM
easat-8335	237	6	:	:	SYM
easat-8335	237	7	2191	2191	NUM
easat-8335	237	8	-	-	SYM
easat-8335	237	9	2202	2202	NUM
easat-8335	237	10	,	,	PUNCT
easat-8335	237	11	2025	2025	NUM
easat-8335	237	12	doi	doi	NOUN
easat-8335	237	13	:	:	PUNCT
easat-8335	238	1	10.55214/25768484.v9i6.8335	10.55214/25768484.v9i6.8335	NUM
easat-8335	238	2	©	©	PROPN
easat-8335	238	3	2025	2025	NUM
easat-8335	238	4	by	by	ADP
easat-8335	238	5	the	the	DET
easat-8335	238	6	authors	author	NOUN
easat-8335	238	7	;	;	PUNCT
easat-8335	238	8	licensee	licensee	PROPN
easat-8335	238	9	learning	learning	NOUN
easat-8335	238	10	gate	gate	VERB
easat-8335	238	11	the	the	DET
easat-8335	238	12	study	study	NOUN
easat-8335	238	13	results	result	NOUN
easat-8335	238	14	found	find	VERB
easat-8335	238	15	out	out	ADP
easat-8335	238	16	that	that	DET
easat-8335	238	17	trust	trust	NOUN
easat-8335	238	18	had	have	VERB
easat-8335	238	19	a	a	DET
easat-8335	238	20	positive	positive	ADJ
easat-8335	238	21	and	and	CCONJ
easat-8335	238	22	significant	significant	ADJ
easat-8335	238	23	effect	effect	NOUN
easat-8335	238	24	on	on	ADP
easat-8335	238	25	the	the	DET
easat-8335	238	26	acceptance	acceptance	NOUN
easat-8335	238	27	of	of	ADP
easat-8335	238	28	epayments	epayment	NOUN
easat-8335	238	29	(	(	PUNCT
easat-8335	238	30	h3	h3	NOUN
easat-8335	238	31	)	)	PUNCT
easat-8335	238	32	.	.	PUNCT
easat-8335	239	1	it	it	PRON
easat-8335	239	2	also	also	ADV
easat-8335	239	3	revealed	reveal	VERB
easat-8335	239	4	that	that	SCONJ
easat-8335	239	5	trust	trust	NOUN
easat-8335	239	6	factor	factor	NOUN
easat-8335	239	7	had	have	VERB
easat-8335	239	8	a	a	DET
easat-8335	239	9	mediation	mediation	NOUN
easat-8335	239	10	effect	effect	NOUN
easat-8335	239	11	(	(	PUNCT
easat-8335	239	12	h3	h3	NOUN
easat-8335	239	13	’	'	PUNCT
easat-8335	239	14	,	,	PUNCT
easat-8335	239	15	h3	h3	NOUN
easat-8335	239	16	’’	’'	PUNCT
easat-8335	239	17	)	)	PUNCT
easat-8335	239	18	.	.	PUNCT
easat-8335	240	1	(	(	PUNCT
easat-8335	240	2	see	see	VERB
easat-8335	240	3	table	table	NOUN
easat-8335	240	4	5	5	NUM
easat-8335	240	5	)	)	PUNCT
easat-8335	240	6	.	.	PUNCT
easat-8335	241	1	this	this	DET
easat-8335	241	2	study	study	NOUN
easat-8335	241	3	supports	support	VERB
easat-8335	241	4	the	the	DET
easat-8335	241	5	findings	finding	NOUN
easat-8335	241	6	of	of	ADP
easat-8335	241	7	kim	kim	PROPN
easat-8335	241	8	,	,	PUNCT
easat-8335	241	9	et	et	PROPN
easat-8335	241	10	al	al	PROPN
easat-8335	241	11	.	.	PUNCT
easat-8335	242	1	[	[	X
easat-8335	242	2	26	26	NUM
easat-8335	242	3	]	]	PUNCT
easat-8335	242	4	said	say	VERB
easat-8335	242	5	that	that	SCONJ
easat-8335	242	6	trust	trust	NOUN
easat-8335	242	7	has	have	VERB
easat-8335	242	8	a	a	DET
easat-8335	242	9	significant	significant	ADJ
easat-8335	242	10	impact	impact	NOUN
easat-8335	242	11	on	on	ADP
easat-8335	242	12	the	the	DET
easat-8335	242	13	adoption	adoption	NOUN
easat-8335	242	14	and	and	CCONJ
easat-8335	242	15	acceptance	acceptance	NOUN
easat-8335	242	16	of	of	ADP
easat-8335	242	17	the	the	DET
easat-8335	242	18	mobile	mobile	ADJ
easat-8335	242	19	payment	payment	NOUN
easat-8335	242	20	systems	system	NOUN
easat-8335	242	21	this	this	PRON
easat-8335	242	22	was	be	AUX
easat-8335	242	23	due	due	ADJ
easat-8335	242	24	to	to	ADP
easat-8335	242	25	the	the	DET
easat-8335	242	26	users	user	NOUN
easat-8335	242	27	’	’	PART
easat-8335	242	28	preferences	preference	NOUN
easat-8335	242	29	of	of	ADP
easat-8335	242	30	a	a	DET
easat-8335	242	31	trustable	trustable	ADJ
easat-8335	242	32	platform	platform	NOUN
easat-8335	242	33	.	.	PUNCT
easat-8335	243	1	similar	similar	ADJ
easat-8335	243	2	to	to	ADP
easat-8335	243	3	that	that	PRON
easat-8335	243	4	,	,	PUNCT
easat-8335	243	5	hoffmann	hoffmann	PROPN
easat-8335	243	6	,	,	PUNCT
easat-8335	243	7	et	et	PROPN
easat-8335	243	8	al	al	PROPN
easat-8335	243	9	.	.	PUNCT
easat-8335	244	1	[	[	X
easat-8335	244	2	48	48	NUM
easat-8335	244	3	]	]	PUNCT
easat-8335	244	4	found	find	VERB
easat-8335	244	5	that	that	SCONJ
easat-8335	244	6	trust	trust	NOUN
easat-8335	244	7	is	be	AUX
easat-8335	244	8	a	a	DET
easat-8335	244	9	key	key	ADJ
easat-8335	244	10	component	component	NOUN
easat-8335	244	11	that	that	PRON
easat-8335	244	12	influences	influence	VERB
easat-8335	244	13	the	the	DET
easat-8335	244	14	sustained	sustained	ADJ
easat-8335	244	15	usage	usage	NOUN
easat-8335	244	16	of	of	ADP
easat-8335	244	17	e	e	NOUN
easat-8335	244	18	-	-	NOUN
easat-8335	244	19	payments	payment	NOUN
easat-8335	244	20	,	,	PUNCT
easat-8335	244	21	highlighting	highlight	VERB
easat-8335	244	22	the	the	DET
easat-8335	244	23	necessity	necessity	NOUN
easat-8335	244	24	of	of	ADP
easat-8335	244	25	safe	safe	ADJ
easat-8335	244	26	authentication	authentication	NOUN
easat-8335	244	27	techniques	technique	NOUN
easat-8335	244	28	to	to	PART
easat-8335	244	29	preserve	preserve	VERB
easat-8335	244	30	user	user	NOUN
easat-8335	244	31	trust	trust	PROPN
easat-8335	244	32	.	.	PUNCT
easat-8335	245	1	on	on	ADP
easat-8335	245	2	the	the	DET
easat-8335	245	3	other	other	ADJ
easat-8335	245	4	hand	hand	NOUN
easat-8335	245	5	,	,	PUNCT
easat-8335	245	6	the	the	DET
easat-8335	245	7	study	study	NOUN
easat-8335	245	8	findings	finding	NOUN
easat-8335	245	9	showed	show	VERB
easat-8335	245	10	that	that	SCONJ
easat-8335	245	11	security	security	NOUN
easat-8335	245	12	had	have	VERB
easat-8335	245	13	no	no	DET
easat-8335	245	14	significant	significant	ADJ
easat-8335	245	15	effect	effect	NOUN
easat-8335	245	16	on	on	ADP
easat-8335	245	17	the	the	DET
easat-8335	245	18	acceptance	acceptance	NOUN
easat-8335	245	19	of	of	ADP
easat-8335	245	20	the	the	DET
easat-8335	245	21	electronic	electronic	ADJ
easat-8335	245	22	payment	payment	NOUN
easat-8335	245	23	system	system	NOUN
easat-8335	245	24	(	(	PUNCT
easat-8335	245	25	h4	h4	PROPN
easat-8335	245	26	)	)	PUNCT
easat-8335	245	27	.	.	PUNCT
easat-8335	246	1	it	it	PRON
easat-8335	246	2	also	also	ADV
easat-8335	246	3	depicted	depict	VERB
easat-8335	246	4	that	that	SCONJ
easat-8335	246	5	security	security	NOUN
easat-8335	246	6	had	have	VERB
easat-8335	246	7	no	no	DET
easat-8335	246	8	moderation	moderation	NOUN
easat-8335	246	9	effect	effect	NOUN
easat-8335	246	10	(	(	PUNCT
easat-8335	246	11	h4	h4	PROPN
easat-8335	246	12	’	'	PUNCT
easat-8335	246	13	,	,	PUNCT
easat-8335	246	14	h4	h4	PROPN
easat-8335	246	15	’’	’'	PUNCT
easat-8335	246	16	)	)	PUNCT
easat-8335	246	17	.	.	PUNCT
easat-8335	247	1	(	(	PUNCT
easat-8335	247	2	see	see	VERB
easat-8335	247	3	table	table	NOUN
easat-8335	247	4	6	6	NUM
easat-8335	247	5	)	)	PUNCT
easat-8335	247	6	.	.	PUNCT
easat-8335	248	1	6	6	X
easat-8335	248	2	.	.	PUNCT
easat-8335	248	3	conclusions	conclusion	NOUN
easat-8335	248	4	the	the	DET
easat-8335	248	5	study	study	NOUN
easat-8335	248	6	illustrated	illustrate	VERB
easat-8335	248	7	that	that	SCONJ
easat-8335	248	8	both	both	DET
easat-8335	248	9	factors	factor	NOUN
easat-8335	248	10	perceived	perceive	VERB
easat-8335	248	11	usefulness	usefulness	NOUN
easat-8335	248	12	and	and	CCONJ
easat-8335	248	13	perceived	perceive	VERB
easat-8335	248	14	ease	ease	NOUN
easat-8335	248	15	of	of	ADP
easat-8335	248	16	use	use	NOUN
easat-8335	248	17	had	have	VERB
easat-8335	248	18	a	a	DET
easat-8335	248	19	significant	significant	ADJ
easat-8335	248	20	impact	impact	NOUN
easat-8335	248	21	on	on	ADP
easat-8335	248	22	the	the	DET
easat-8335	248	23	acceptance	acceptance	NOUN
easat-8335	248	24	of	of	ADP
easat-8335	248	25	e	e	NOUN
easat-8335	248	26	-	-	NOUN
easat-8335	248	27	payment	payment	NOUN
easat-8335	248	28	systems	system	NOUN
easat-8335	248	29	.	.	PUNCT
easat-8335	249	1	it	it	PRON
easat-8335	249	2	further	far	ADV
easat-8335	249	3	revealed	reveal	VERB
easat-8335	249	4	that	that	SCONJ
easat-8335	249	5	trust	trust	NOUN
easat-8335	249	6	mediates	mediate	VERB
easat-8335	249	7	the	the	DET
easat-8335	249	8	effect	effect	NOUN
easat-8335	249	9	of	of	ADP
easat-8335	249	10	perceived	perceive	VERB
easat-8335	249	11	usefulness	usefulness	NOUN
easat-8335	249	12	,	,	PUNCT
easat-8335	249	13	perceived	perceive	VERB
easat-8335	249	14	ease	ease	NOUN
easat-8335	249	15	of	of	ADP
easat-8335	249	16	use	use	NOUN
easat-8335	249	17	on	on	ADP
easat-8335	249	18	the	the	DET
easat-8335	249	19	acceptance	acceptance	NOUN
easat-8335	249	20	of	of	ADP
easat-8335	249	21	e	e	NOUN
easat-8335	249	22	-	-	NOUN
easat-8335	249	23	payment	payment	NOUN
easat-8335	249	24	systems	system	NOUN
easat-8335	249	25	.	.	PUNCT
easat-8335	250	1	in	in	ADP
easat-8335	250	2	addition	addition	NOUN
easat-8335	250	3	to	to	ADP
easat-8335	250	4	that	that	PRON
easat-8335	250	5	,	,	PUNCT
easat-8335	250	6	the	the	DET
easat-8335	250	7	study	study	NOUN
easat-8335	250	8	discovered	discover	VERB
easat-8335	250	9	that	that	SCONJ
easat-8335	250	10	security	security	NOUN
easat-8335	250	11	factor	factor	NOUN
easat-8335	250	12	was	be	AUX
easat-8335	250	13	found	find	VERB
easat-8335	250	14	to	to	PART
easat-8335	250	15	have	have	VERB
easat-8335	250	16	no	no	DET
easat-8335	250	17	moderating	moderate	VERB
easat-8335	250	18	effect	effect	NOUN
easat-8335	250	19	on	on	ADP
easat-8335	250	20	this	this	DET
easat-8335	250	21	study	study	NOUN
easat-8335	250	22	from	from	ADP
easat-8335	250	23	the	the	DET
easat-8335	250	24	perspective	perspective	NOUN
easat-8335	250	25	offered	offer	VERB
easat-8335	250	26	by	by	ADP
easat-8335	250	27	the	the	DET
easat-8335	250	28	utaut	utaut	PROPN
easat-8335	250	29	.	.	PUNCT
easat-8335	251	1	this	this	DET
easat-8335	251	2	study	study	NOUN
easat-8335	251	3	’s	’s	PART
easat-8335	251	4	novelty	novelty	NOUN
easat-8335	251	5	contributes	contribute	VERB
easat-8335	251	6	to	to	ADP
easat-8335	251	7	the	the	DET
easat-8335	251	8	existing	exist	VERB
easat-8335	251	9	literature	literature	NOUN
easat-8335	251	10	.	.	PUNCT
easat-8335	252	1	firstly	firstly	ADV
easat-8335	252	2	,	,	PUNCT
easat-8335	252	3	it	it	PRON
easat-8335	252	4	extends	extend	VERB
easat-8335	252	5	the	the	DET
easat-8335	252	6	utaut	utaut	PROPN
easat-8335	252	7	model	model	NOUN
easat-8335	252	8	by	by	ADP
easat-8335	252	9	explaining	explain	VERB
easat-8335	252	10	the	the	DET
easat-8335	252	11	effects	effect	NOUN
easat-8335	252	12	that	that	SCONJ
easat-8335	252	13	various	various	ADJ
easat-8335	252	14	predictors	predictor	NOUN
easat-8335	252	15	have	have	VERB
easat-8335	252	16	on	on	ADP
easat-8335	252	17	the	the	DET
easat-8335	252	18	customers	customer	NOUN
easat-8335	252	19	’	'	PUNCT
easat-8335	252	20	acceptance	acceptance	NOUN
easat-8335	252	21	of	of	ADP
easat-8335	252	22	the	the	DET
easat-8335	252	23	digital	digital	ADJ
easat-8335	252	24	banking	banking	NOUN
easat-8335	252	25	services	service	NOUN
easat-8335	252	26	.	.	PUNCT
easat-8335	253	1	this	this	DET
easat-8335	253	2	study	study	NOUN
easat-8335	253	3	offers	offer	VERB
easat-8335	253	4	a	a	DET
easat-8335	253	5	significant	significant	ADJ
easat-8335	253	6	theoretical	theoretical	ADJ
easat-8335	253	7	contribution	contribution	NOUN
easat-8335	253	8	to	to	ADP
easat-8335	253	9	the	the	DET
easat-8335	253	10	utaut	utaut	NOUN
easat-8335	253	11	in	in	ADP
easat-8335	253	12	particular	particular	ADJ
easat-8335	253	13	,	,	PUNCT
easat-8335	253	14	and	and	CCONJ
easat-8335	253	15	to	to	ADP
easat-8335	253	16	the	the	DET
easat-8335	253	17	banking	banking	NOUN
easat-8335	253	18	theories	theory	NOUN
easat-8335	253	19	in	in	ADP
easat-8335	253	20	general	general	ADJ
easat-8335	253	21	,	,	PUNCT
easat-8335	253	22	from	from	ADP
easat-8335	253	23	exploring	explore	VERB
easat-8335	253	24	the	the	DET
easat-8335	253	25	acceptance	acceptance	NOUN
easat-8335	253	26	of	of	ADP
easat-8335	253	27	e	e	NOUN
easat-8335	253	28	-	-	NOUN
easat-8335	253	29	payment	payment	NOUN
easat-8335	253	30	systems	system	NOUN
easat-8335	253	31	to	to	PART
easat-8335	253	32	perform	perform	VERB
easat-8335	253	33	cheaper	cheap	ADJ
easat-8335	253	34	,	,	PUNCT
easat-8335	253	35	faster	fast	ADJ
easat-8335	253	36	,	,	PUNCT
easat-8335	253	37	easier	easy	ADJ
easat-8335	253	38	,	,	PUNCT
easat-8335	253	39	and	and	CCONJ
easat-8335	253	40	safer	safe	ADJ
easat-8335	253	41	transactions	transaction	NOUN
easat-8335	253	42	among	among	ADP
easat-8335	253	43	the	the	DET
easat-8335	253	44	bank	bank	NOUN
easat-8335	253	45	’s	’s	PART
easat-8335	253	46	clients	client	NOUN
easat-8335	253	47	under	under	ADP
easat-8335	253	48	the	the	DET
easat-8335	253	49	extended	extended	ADJ
easat-8335	253	50	scope	scope	NOUN
easat-8335	253	51	of	of	ADP
easat-8335	253	52	the	the	DET
easat-8335	253	53	theory	theory	NOUN
easat-8335	253	54	through	through	ADP
easat-8335	253	55	the	the	DET
easat-8335	253	56	inclusion	inclusion	NOUN
easat-8335	253	57	of	of	ADP
easat-8335	253	58	the	the	DET
easat-8335	253	59	mediating	mediate	VERB
easat-8335	253	60	effect	effect	NOUN
easat-8335	253	61	of	of	ADP
easat-8335	253	62	trust	trust	NOUN
easat-8335	253	63	on	on	ADP
easat-8335	253	64	the	the	DET
easat-8335	253	65	correlations	correlation	NOUN
easat-8335	253	66	of	of	ADP
easat-8335	253	67	perceived	perceive	VERB
easat-8335	253	68	usefulness	usefulness	NOUN
easat-8335	253	69	,	,	PUNCT
easat-8335	253	70	perceived	perceive	VERB
easat-8335	253	71	ease	ease	NOUN
easat-8335	253	72	of	of	ADP
easat-8335	253	73	use	use	NOUN
easat-8335	253	74	with	with	ADP
easat-8335	253	75	the	the	DET
easat-8335	253	76	acceptance	acceptance	NOUN
easat-8335	253	77	of	of	ADP
easat-8335	253	78	e	e	NOUN
easat-8335	253	79	-	-	NOUN
easat-8335	253	80	payments	payment	NOUN
easat-8335	253	81	systems	system	NOUN
easat-8335	253	82	.	.	PUNCT
easat-8335	254	1	furthermore	furthermore	ADV
easat-8335	254	2	,	,	PUNCT
easat-8335	254	3	this	this	DET
easat-8335	254	4	study	study	NOUN
easat-8335	254	5	contributes	contribute	VERB
easat-8335	254	6	to	to	ADP
easat-8335	254	7	the	the	DET
easat-8335	254	8	theory	theory	NOUN
easat-8335	254	9	domain	domain	NOUN
easat-8335	254	10	by	by	ADP
easat-8335	254	11	providing	provide	VERB
easat-8335	254	12	empirical	empirical	ADJ
easat-8335	254	13	evidence	evidence	NOUN
easat-8335	254	14	of	of	ADP
easat-8335	254	15	the	the	DET
easat-8335	254	16	relationships	relationship	NOUN
easat-8335	254	17	of	of	ADP
easat-8335	254	18	perceived	perceive	VERB
easat-8335	254	19	usefulness	usefulness	NOUN
easat-8335	254	20	and	and	CCONJ
easat-8335	254	21	perceived	perceive	VERB
easat-8335	254	22	ease	ease	NOUN
easat-8335	254	23	of	of	ADP
easat-8335	254	24	use	use	NOUN
easat-8335	254	25	with	with	ADP
easat-8335	254	26	the	the	DET
easat-8335	254	27	customer	customer	NOUN
easat-8335	254	28	’s	’s	PART
easat-8335	254	29	acceptance	acceptance	NOUN
easat-8335	254	30	of	of	ADP
easat-8335	254	31	the	the	DET
easat-8335	254	32	e	e	NOUN
easat-8335	254	33	-	-	NOUN
easat-8335	254	34	payments	payment	NOUN
easat-8335	254	35	to	to	PART
easat-8335	254	36	explain	explain	VERB
easat-8335	254	37	the	the	DET
easat-8335	254	38	potential	potential	NOUN
easat-8335	254	39	of	of	ADP
easat-8335	254	40	young	young	ADJ
easat-8335	254	41	customers	customer	NOUN
easat-8335	254	42	’	'	PUNCT
easat-8335	254	43	behavior	behavior	NOUN
easat-8335	254	44	,	,	PUNCT
easat-8335	254	45	while	while	SCONJ
easat-8335	254	46	using	use	VERB
easat-8335	254	47	trust	trust	NOUN
easat-8335	254	48	a	a	DET
easat-8335	254	49	mediator	mediator	NOUN
easat-8335	254	50	.	.	PUNCT
easat-8335	255	1	lastly	lastly	ADV
easat-8335	255	2	,	,	PUNCT
easat-8335	255	3	this	this	DET
easat-8335	255	4	study	study	NOUN
easat-8335	255	5	addressed	address	VERB
easat-8335	255	6	the	the	DET
easat-8335	255	7	scarcity	scarcity	NOUN
easat-8335	255	8	of	of	ADP
easat-8335	255	9	studies	study	NOUN
easat-8335	255	10	that	that	PRON
easat-8335	255	11	focused	focus	VERB
easat-8335	255	12	on	on	ADP
easat-8335	255	13	the	the	DET
easat-8335	255	14	acceptance	acceptance	NOUN
easat-8335	255	15	e	e	NOUN
easat-8335	255	16	-	-	NOUN
easat-8335	255	17	payments	payment	NOUN
easat-8335	255	18	.	.	PUNCT
easat-8335	256	1	this	this	DET
easat-8335	256	2	study	study	NOUN
easat-8335	256	3	,	,	PUNCT
easat-8335	256	4	hence	hence	ADV
easat-8335	256	5	,	,	PUNCT
easat-8335	256	6	enriches	enrich	VERB
easat-8335	256	7	the	the	DET
easat-8335	256	8	existing	exist	VERB
easat-8335	256	9	literature	literature	NOUN
easat-8335	256	10	,	,	PUNCT
easat-8335	256	11	particularly	particularly	ADV
easat-8335	256	12	in	in	ADP
easat-8335	256	13	the	the	DET
easat-8335	256	14	context	context	NOUN
easat-8335	256	15	of	of	ADP
easat-8335	256	16	the	the	DET
easat-8335	256	17	developing	develop	VERB
easat-8335	256	18	countries	country	NOUN
easat-8335	256	19	.	.	PUNCT
easat-8335	257	1	the	the	DET
easat-8335	257	2	study	study	NOUN
easat-8335	257	3	outcomes	outcome	NOUN
easat-8335	257	4	may	may	AUX
easat-8335	257	5	serve	serve	VERB
easat-8335	257	6	as	as	ADP
easat-8335	257	7	a	a	DET
easat-8335	257	8	guideline	guideline	NOUN
easat-8335	257	9	to	to	ADP
easat-8335	257	10	managers	manager	NOUN
easat-8335	257	11	from	from	ADP
easat-8335	257	12	emerging	emerge	VERB
easat-8335	257	13	countries	country	NOUN
easat-8335	257	14	to	to	PART
easat-8335	257	15	devise	devise	VERB
easat-8335	257	16	effective	effective	ADJ
easat-8335	257	17	strategies	strategy	NOUN
easat-8335	257	18	for	for	ADP
easat-8335	257	19	the	the	DET
easat-8335	257	20	development	development	NOUN
easat-8335	257	21	and	and	CCONJ
easat-8335	257	22	acceptance	acceptance	NOUN
easat-8335	257	23	of	of	ADP
easat-8335	257	24	e	e	NOUN
easat-8335	257	25	-	-	NOUN
easat-8335	257	26	payments	payment	NOUN
easat-8335	257	27	by	by	ADP
easat-8335	257	28	cooperating	cooperate	VERB
easat-8335	257	29	with	with	ADP
easat-8335	257	30	banks	bank	NOUN
easat-8335	257	31	or	or	CCONJ
easat-8335	257	32	other	other	ADJ
easat-8335	257	33	online	online	ADJ
easat-8335	257	34	platform	platform	NOUN
easat-8335	257	35	providers	provider	NOUN
easat-8335	257	36	.	.	PUNCT
easat-8335	258	1	moreover	moreover	ADV
easat-8335	258	2	,	,	PUNCT
easat-8335	258	3	companies	company	NOUN
easat-8335	258	4	across	across	ADP
easat-8335	258	5	the	the	DET
easat-8335	258	6	developing	develop	VERB
easat-8335	258	7	countries	country	NOUN
easat-8335	258	8	should	should	AUX
easat-8335	258	9	determine	determine	VERB
easat-8335	258	10	customers	customer	NOUN
easat-8335	258	11	’	’	PART
easat-8335	258	12	intentions	intention	NOUN
easat-8335	258	13	toward	toward	ADP
easat-8335	258	14	,	,	PUNCT
easat-8335	258	15	and	and	CCONJ
easat-8335	258	16	their	their	PRON
easat-8335	258	17	use	use	NOUN
easat-8335	258	18	of	of	ADP
easat-8335	258	19	,	,	PUNCT
easat-8335	258	20	e	e	NOUN
easat-8335	258	21	-	-	NOUN
easat-8335	258	22	payments	payment	NOUN
easat-8335	258	23	systems	system	NOUN
easat-8335	258	24	.	.	PUNCT
easat-8335	259	1	essentially	essentially	ADV
easat-8335	259	2	,	,	PUNCT
easat-8335	259	3	this	this	DET
easat-8335	259	4	study	study	NOUN
easat-8335	259	5	investigates	investigate	VERB
easat-8335	259	6	consumers	consumer	NOUN
easat-8335	259	7	’	'	PUNCT
easat-8335	259	8	acceptance	acceptance	NOUN
easat-8335	259	9	of	of	ADP
easat-8335	259	10	e	e	NOUN
easat-8335	259	11	-	-	NOUN
easat-8335	259	12	payments	payment	NOUN
easat-8335	259	13	,	,	PUNCT
easat-8335	259	14	so	so	SCONJ
easat-8335	259	15	as	as	SCONJ
easat-8335	259	16	to	to	PART
easat-8335	259	17	make	make	VERB
easat-8335	259	18	transactions	transaction	NOUN
easat-8335	259	19	cheaper	cheap	ADJ
easat-8335	259	20	,	,	PUNCT
easat-8335	259	21	easier	easy	ADJ
easat-8335	259	22	,	,	PUNCT
easat-8335	259	23	faster	fast	ADV
easat-8335	259	24	,	,	PUNCT
easat-8335	259	25	and	and	CCONJ
easat-8335	259	26	safer	safe	ADJ
easat-8335	259	27	.	.	PUNCT
easat-8335	260	1	transparency	transparency	NOUN
easat-8335	260	2	:	:	PUNCT
easat-8335	260	3	the	the	DET
easat-8335	260	4	authors	author	NOUN
easat-8335	260	5	confirm	confirm	VERB
easat-8335	260	6	that	that	SCONJ
easat-8335	260	7	the	the	DET
easat-8335	260	8	manuscript	manuscript	NOUN
easat-8335	260	9	is	be	AUX
easat-8335	260	10	an	an	DET
easat-8335	260	11	honest	honest	ADJ
easat-8335	260	12	,	,	PUNCT
easat-8335	260	13	accurate	accurate	ADJ
easat-8335	260	14	,	,	PUNCT
easat-8335	260	15	and	and	CCONJ
easat-8335	260	16	transparent	transparent	ADJ
easat-8335	260	17	account	account	NOUN
easat-8335	260	18	of	of	ADP
easat-8335	260	19	the	the	DET
easat-8335	260	20	study	study	NOUN
easat-8335	260	21	;	;	PUNCT
easat-8335	260	22	that	that	SCONJ
easat-8335	260	23	no	no	DET
easat-8335	260	24	vital	vital	ADJ
easat-8335	260	25	features	feature	NOUN
easat-8335	260	26	of	of	ADP
easat-8335	260	27	the	the	DET
easat-8335	260	28	study	study	NOUN
easat-8335	260	29	have	have	AUX
easat-8335	260	30	been	be	AUX
easat-8335	260	31	omitted	omit	VERB
easat-8335	260	32	;	;	PUNCT
easat-8335	260	33	and	and	CCONJ
easat-8335	260	34	that	that	SCONJ
easat-8335	260	35	any	any	DET
easat-8335	260	36	discrepancies	discrepancy	NOUN
easat-8335	260	37	from	from	ADP
easat-8335	260	38	the	the	DET
easat-8335	260	39	study	study	NOUN
easat-8335	260	40	as	as	SCONJ
easat-8335	260	41	planned	plan	VERB
easat-8335	260	42	have	have	AUX
easat-8335	260	43	been	be	AUX
easat-8335	260	44	explained	explain	VERB
easat-8335	260	45	.	.	PUNCT
easat-8335	261	1	this	this	DET
easat-8335	261	2	study	study	NOUN
easat-8335	261	3	followed	follow	VERB
easat-8335	261	4	all	all	DET
easat-8335	261	5	ethical	ethical	ADJ
easat-8335	261	6	practices	practice	NOUN
easat-8335	261	7	during	during	ADP
easat-8335	261	8	writing	writing	NOUN
easat-8335	261	9	.	.	PUNCT
easat-8335	262	1	copyright	copyright	NOUN
easat-8335	262	2	:	:	PUNCT
easat-8335	262	3	©	©	PROPN
easat-8335	262	4	2025	2025	NUM
easat-8335	262	5	by	by	ADP
easat-8335	262	6	the	the	DET
easat-8335	262	7	authors	author	NOUN
easat-8335	262	8	.	.	PUNCT
easat-8335	263	1	this	this	DET
easat-8335	263	2	open	open	ADJ
easat-8335	263	3	-	-	PUNCT
easat-8335	263	4	access	access	NOUN
easat-8335	263	5	article	article	NOUN
easat-8335	263	6	is	be	AUX
easat-8335	263	7	distributed	distribute	VERB
easat-8335	263	8	under	under	ADP
easat-8335	263	9	the	the	DET
easat-8335	263	10	terms	term	NOUN
easat-8335	263	11	and	and	CCONJ
easat-8335	263	12	conditions	condition	NOUN
easat-8335	263	13	of	of	ADP
easat-8335	263	14	the	the	DET
easat-8335	263	15	creative	creative	ADJ
easat-8335	263	16	commons	common	NOUN
easat-8335	263	17	attribution	attribution	NOUN
easat-8335	263	18	(	(	PUNCT
easat-8335	263	19	cc	cc	NOUN
easat-8335	263	20	by	by	ADP
easat-8335	263	21	)	)	PUNCT
easat-8335	263	22	license	license	NOUN
easat-8335	263	23	(	(	PUNCT
easat-8335	263	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-8335	263	25	)	)	PUNCT
easat-8335	263	26	.	.	PUNCT
easat-8335	264	1	references	reference	NOUN
easat-8335	264	2	[	[	X
easat-8335	264	3	1	1	X
easat-8335	264	4	]	]	PUNCT
easat-8335	264	5	s.	s.	PROPN
easat-8335	264	6	cheriet	cheriet	PROPN
easat-8335	264	7	and	and	CCONJ
easat-8335	264	8	h.	h.	PROPN
easat-8335	264	9	ghanem	ghanem	PROPN
easat-8335	264	10	,	,	PUNCT
easat-8335	264	11	"	"	PUNCT
easat-8335	264	12	the	the	DET
easat-8335	264	13	role	role	NOUN
easat-8335	264	14	of	of	ADP
easat-8335	264	15	electronic	electronic	ADJ
easat-8335	264	16	payment	payment	NOUN
easat-8335	264	17	systems	system	NOUN
easat-8335	264	18	in	in	ADP
easat-8335	264	19	the	the	DET
easat-8335	264	20	development	development	NOUN
easat-8335	264	21	of	of	ADP
easat-8335	264	22	the	the	DET
easat-8335	264	23	algerian	algerian	ADJ
easat-8335	264	24	banking	banking	NOUN
easat-8335	264	25	system	system	NOUN
easat-8335	264	26	,	,	PUNCT
easat-8335	264	27	"	"	PUNCT
easat-8335	264	28	economic	economic	ADJ
easat-8335	264	29	visions	vision	NOUN
easat-8335	264	30	journal	journal	NOUN
easat-8335	264	31	,	,	PUNCT
easat-8335	264	32	vol	vol	NOUN
easat-8335	264	33	.	.	PROPN
easat-8335	264	34	8	8	NUM
easat-8335	264	35	,	,	PUNCT
easat-8335	264	36	no	no	INTJ
easat-8335	264	37	.	.	NOUN
easat-8335	264	38	2	2	NUM
easat-8335	264	39	,	,	PUNCT
easat-8335	264	40	p.	p.	NOUN
easat-8335	264	41	213	213	NUM
easat-8335	264	42	,	,	PUNCT
easat-8335	264	43	2018	2018	NUM
easat-8335	264	44	.	.	PUNCT
easat-8335	265	1	https://doi.org/10.37137/1416-008-002-014	https://doi.org/10.37137/1416-008-002-014	X
easat-8335	266	1	[	[	X
easat-8335	266	2	2	2	NUM
easat-8335	266	3	]	]	PUNCT
easat-8335	266	4	m.	m.	NOUN
easat-8335	266	5	bounefla	bounefla	NOUN
easat-8335	266	6	,	,	PUNCT
easat-8335	266	7	"	"	PUNCT
easat-8335	266	8	electronic	electronic	ADJ
easat-8335	266	9	money	money	NOUN
easat-8335	266	10	in	in	ADP
easat-8335	266	11	algeria	algeria	PROPN
easat-8335	266	12	:	:	PUNCT
easat-8335	266	13	state	state	NOUN
easat-8335	266	14	of	of	ADP
easat-8335	266	15	play	play	NOUN
easat-8335	266	16	and	and	CCONJ
easat-8335	266	17	perspectives	perspective	NOUN
easat-8335	266	18	,	,	PUNCT
easat-8335	266	19	"	"	PUNCT
easat-8335	266	20	algerian	algerian	ADJ
easat-8335	266	21	review	review	NOUN
easat-8335	266	22	of	of	ADP
easat-8335	266	23	economics	economic	NOUN
easat-8335	266	24	and	and	CCONJ
easat-8335	266	25	management	management	NOUN
easat-8335	266	26	,	,	PUNCT
easat-8335	266	27	vol	vol	NOUN
easat-8335	266	28	.	.	PROPN
easat-8335	266	29	10	10	NUM
easat-8335	266	30	,	,	PUNCT
easat-8335	266	31	no	no	INTJ
easat-8335	266	32	.	.	NOUN
easat-8335	266	33	1	1	NUM
easat-8335	266	34	,	,	PUNCT
easat-8335	266	35	pp	pp	ADJ
easat-8335	266	36	.	.	PUNCT
easat-8335	267	1	45–58	45–58	NUM
easat-8335	267	2	,	,	PUNCT
easat-8335	267	3	2018	2018	NUM
easat-8335	267	4	.	.	PUNCT
easat-8335	268	1	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-8335	268	2	https://doi.org/10.37137/1416-008-002-014	https://doi.org/10.37137/1416-008-002-014	PROPN
easat-8335	268	3	2201	2201	NUM
easat-8335	268	4	edelweiss	edelweiss	PROPN
easat-8335	268	5	applied	apply	VERB
easat-8335	268	6	science	science	NOUN
easat-8335	268	7	and	and	CCONJ
easat-8335	268	8	technology	technology	NOUN
easat-8335	268	9	issn	issn	PROPN
easat-8335	268	10	:	:	PUNCT
easat-8335	268	11	2576	2576	NUM
easat-8335	268	12	-	-	SYM
easat-8335	268	13	8484	8484	NUM
easat-8335	268	14	vol	vol	NOUN
easat-8335	268	15	.	.	PROPN
easat-8335	269	1	9	9	NUM
easat-8335	269	2	,	,	PUNCT
easat-8335	269	3	no	no	INTJ
easat-8335	269	4	.	.	NOUN
easat-8335	269	5	6	6	NUM
easat-8335	269	6	:	:	SYM
easat-8335	269	7	2191	2191	NUM
easat-8335	269	8	-	-	SYM
easat-8335	269	9	2202	2202	NUM
easat-8335	269	10	,	,	PUNCT
easat-8335	269	11	2025	2025	NUM
easat-8335	269	12	doi	doi	NOUN
easat-8335	269	13	:	:	PUNCT
easat-8335	270	1	10.55214/25768484.v9i6.8335	10.55214/25768484.v9i6.8335	NUM
easat-8335	270	2	©	©	PROPN
easat-8335	270	3	2025	2025	NUM
easat-8335	270	4	by	by	ADP
easat-8335	270	5	the	the	DET
easat-8335	270	6	authors	author	NOUN
easat-8335	270	7	;	;	PUNCT
easat-8335	270	8	licensee	licensee	PROPN
easat-8335	270	9	learning	learning	NOUN
easat-8335	270	10	gate	gate	NOUN
easat-8335	270	11	[	[	X
easat-8335	270	12	3	3	NUM
easat-8335	270	13	]	]	X
easat-8335	270	14	b.	b.	PROPN
easat-8335	270	15	bahia	bahia	PROPN
easat-8335	270	16	,	,	PUNCT
easat-8335	270	17	"	"	PUNCT
easat-8335	270	18	e	e	NOUN
easat-8335	270	19	-	-	NOUN
easat-8335	270	20	payment	payment	NOUN
easat-8335	270	21	adoption	adoption	NOUN
easat-8335	270	22	in	in	ADP
easat-8335	270	23	the	the	DET
easat-8335	270	24	era	era	NOUN
easat-8335	270	25	of	of	ADP
easat-8335	270	26	digital	digital	ADJ
easat-8335	270	27	transformation	transformation	NOUN
easat-8335	270	28	:	:	PUNCT
easat-8335	270	29	the	the	DET
easat-8335	270	30	case	case	NOUN
easat-8335	270	31	of	of	ADP
easat-8335	270	32	algerian	algerian	ADJ
easat-8335	270	33	banking	banking	NOUN
easat-8335	270	34	system	system	NOUN
easat-8335	270	35	,	,	PUNCT
easat-8335	270	36	"	"	PUNCT
easat-8335	270	37	journal	journal	NOUN
easat-8335	270	38	of	of	ADP
easat-8335	270	39	contemporary	contemporary	ADJ
easat-8335	270	40	economic	economic	ADJ
easat-8335	270	41	studies	study	NOUN
easat-8335	270	42	,	,	PUNCT
easat-8335	270	43	vol	vol	NOUN
easat-8335	270	44	.	.	PROPN
easat-8335	270	45	2	2	NUM
easat-8335	270	46	,	,	PUNCT
easat-8335	270	47	pp	pp	ADJ
easat-8335	270	48	.	.	PUNCT
easat-8335	271	1	481–496	481–496	NUM
easat-8335	271	2	,	,	PUNCT
easat-8335	271	3	2022	2022	NUM
easat-8335	271	4	.	.	PUNCT
easat-8335	272	1	[	[	X
easat-8335	272	2	4	4	X
easat-8335	272	3	]	]	X
easat-8335	272	4	v.	v.	CCONJ
easat-8335	272	5	venkatesh	venkatesh	PROPN
easat-8335	272	6	,	,	PUNCT
easat-8335	272	7	j.	j.	PROPN
easat-8335	272	8	y.	y.	PROPN
easat-8335	272	9	l.	l.	PROPN
easat-8335	272	10	thong	thong	PROPN
easat-8335	272	11	,	,	PUNCT
easat-8335	272	12	and	and	CCONJ
easat-8335	272	13	x.	x.	PROPN
easat-8335	272	14	xu	xu	PROPN
easat-8335	272	15	,	,	PUNCT
easat-8335	272	16	"	"	PUNCT
easat-8335	272	17	consumer	consumer	NOUN
easat-8335	272	18	acceptance	acceptance	NOUN
easat-8335	272	19	and	and	CCONJ
easat-8335	272	20	use	use	NOUN
easat-8335	272	21	of	of	ADP
easat-8335	272	22	information	information	NOUN
easat-8335	272	23	technology	technology	NOUN
easat-8335	272	24	:	:	PUNCT
easat-8335	272	25	extending	extend	VERB
easat-8335	272	26	the	the	DET
easat-8335	272	27	unified	unified	ADJ
easat-8335	272	28	theory	theory	NOUN
easat-8335	272	29	of	of	ADP
easat-8335	272	30	acceptance	acceptance	NOUN
easat-8335	272	31	and	and	CCONJ
easat-8335	272	32	use	use	NOUN
easat-8335	272	33	of	of	ADP
easat-8335	272	34	technology	technology	NOUN
easat-8335	272	35	,	,	PUNCT
easat-8335	272	36	"	"	PUNCT
easat-8335	272	37	mis	mis	PROPN
easat-8335	272	38	quarterly	quarterly	ADJ
easat-8335	272	39	,	,	PUNCT
easat-8335	272	40	vol	vol	NOUN
easat-8335	272	41	.	.	PROPN
easat-8335	272	42	36	36	NUM
easat-8335	272	43	,	,	PUNCT
easat-8335	272	44	no	no	INTJ
easat-8335	272	45	.	.	NOUN
easat-8335	272	46	1	1	NUM
easat-8335	272	47	,	,	PUNCT
easat-8335	272	48	pp	pp	ADJ
easat-8335	272	49	.	.	PUNCT
easat-8335	273	1	157–178	157–178	NUM
easat-8335	273	2	,	,	PUNCT
easat-8335	273	3	2012	2012	NUM
easat-8335	273	4	.	.	PUNCT
easat-8335	274	1	https://doi.org/10.2307/41410412	https://doi.org/10.2307/41410412	X
easat-8335	275	1	[	[	X
easat-8335	275	2	5	5	X
easat-8335	275	3	]	]	PUNCT
easat-8335	275	4	d.	d.	PROPN
easat-8335	275	5	gefen	gefen	PROPN
easat-8335	275	6	,	,	PUNCT
easat-8335	275	7	e.	e.	PROPN
easat-8335	275	8	karahanna	karahanna	PROPN
easat-8335	275	9	,	,	PUNCT
easat-8335	275	10	and	and	CCONJ
easat-8335	275	11	d.	d.	PROPN
easat-8335	275	12	w.	w.	PROPN
easat-8335	275	13	straub	straub	PROPN
easat-8335	275	14	,	,	PUNCT
easat-8335	275	15	"	"	PUNCT
easat-8335	275	16	trust	trust	NOUN
easat-8335	275	17	and	and	CCONJ
easat-8335	275	18	tam	tam	X
easat-8335	275	19	in	in	ADP
easat-8335	275	20	online	online	ADJ
easat-8335	275	21	shopping	shopping	NOUN
easat-8335	275	22	:	:	PUNCT
easat-8335	275	23	an	an	DET
easat-8335	275	24	integrated	integrated	ADJ
easat-8335	275	25	model	model	NOUN
easat-8335	275	26	,	,	PUNCT
easat-8335	275	27	"	"	PUNCT
easat-8335	275	28	mis	mis	PROPN
easat-8335	275	29	quarterly	quarterly	ADJ
easat-8335	275	30	,	,	PUNCT
easat-8335	275	31	vol	vol	NOUN
easat-8335	275	32	.	.	PROPN
easat-8335	275	33	27	27	NUM
easat-8335	275	34	,	,	PUNCT
easat-8335	275	35	no	no	INTJ
easat-8335	275	36	.	.	NOUN
easat-8335	275	37	1	1	NUM
easat-8335	275	38	,	,	PUNCT
easat-8335	275	39	pp	pp	ADJ
easat-8335	275	40	.	.	PUNCT
easat-8335	276	1	51	51	NUM
easat-8335	276	2	-	-	SYM
easat-8335	276	3	90	90	NUM
easat-8335	276	4	,	,	PUNCT
easat-8335	276	5	2003	2003	NUM
easat-8335	276	6	.	.	PUNCT
easat-8335	277	1	https://doi.org/10.2307/30036519	https://doi.org/10.2307/30036519	X
easat-8335	278	1	[	[	X
easat-8335	278	2	6	6	NUM
easat-8335	278	3	]	]	PUNCT
easat-8335	278	4	e.	e.	PROPN
easat-8335	278	5	abu	abu	PROPN
easat-8335	278	6	-	-	PUNCT
easat-8335	278	7	shanab	shanab	PROPN
easat-8335	278	8	,	,	PUNCT
easat-8335	278	9	"	"	PUNCT
easat-8335	278	10	electronic	electronic	ADJ
easat-8335	278	11	payment	payment	NOUN
easat-8335	278	12	systems	system	NOUN
easat-8335	278	13	:	:	PUNCT
easat-8335	278	14	a	a	DET
easat-8335	278	15	conceptual	conceptual	ADJ
easat-8335	278	16	framework	framework	NOUN
easat-8335	278	17	,	,	PUNCT
easat-8335	278	18	"	"	PUNCT
easat-8335	278	19	international	international	ADJ
easat-8335	278	20	journal	journal	NOUN
easat-8335	278	21	of	of	ADP
easat-8335	278	22	technology	technology	NOUN
easat-8335	278	23	diffusion	diffusion	NOUN
easat-8335	278	24	,	,	PUNCT
easat-8335	278	25	vol	vol	NOUN
easat-8335	278	26	.	.	PROPN
easat-8335	279	1	10	10	NUM
easat-8335	279	2	,	,	PUNCT
easat-8335	279	3	no	no	INTJ
easat-8335	279	4	.	.	NOUN
easat-8335	279	5	3	3	NUM
easat-8335	279	6	,	,	PUNCT
easat-8335	279	7	pp	pp	ADJ
easat-8335	279	8	.	.	PUNCT
easat-8335	280	1	62–77	62–77	NUM
easat-8335	280	2	,	,	PUNCT
easat-8335	280	3	2019	2019	NUM
easat-8335	280	4	.	.	PUNCT
easat-8335	281	1	[	[	X
easat-8335	281	2	7	7	X
easat-8335	281	3	]	]	X
easat-8335	281	4	f.	f.	PROPN
easat-8335	281	5	r.	r.	PROPN
easat-8335	281	6	graham	graham	PROPN
easat-8335	281	7	,	,	PUNCT
easat-8335	281	8	"	"	PUNCT
easat-8335	281	9	history	history	NOUN
easat-8335	281	10	and	and	CCONJ
easat-8335	281	11	development	development	NOUN
easat-8335	281	12	of	of	ADP
easat-8335	281	13	the	the	DET
easat-8335	281	14	ach	ach	NOUN
easat-8335	281	15	network	network	NOUN
easat-8335	281	16	,	,	PUNCT
easat-8335	281	17	"	"	PUNCT
easat-8335	281	18	payments	payment	NOUN
easat-8335	281	19	journal	journal	NOUN
easat-8335	281	20	,	,	PUNCT
easat-8335	281	21	vol	vol	NOUN
easat-8335	281	22	.	.	PROPN
easat-8335	281	23	12	12	NUM
easat-8335	281	24	,	,	PUNCT
easat-8335	281	25	no	no	INTJ
easat-8335	281	26	.	.	NOUN
easat-8335	281	27	2	2	NUM
easat-8335	281	28	,	,	PUNCT
easat-8335	281	29	pp	pp	ADJ
easat-8335	281	30	.	.	PUNCT
easat-8335	282	1	23–30	23–30	NUM
easat-8335	282	2	,	,	PUNCT
easat-8335	282	3	2003	2003	NUM
easat-8335	282	4	.	.	PUNCT
easat-8335	283	1	[	[	X
easat-8335	283	2	8	8	NUM
easat-8335	283	3	]	]	PUNCT
easat-8335	283	4	m.	m.	NOUN
easat-8335	283	5	a.	a.	PROPN
easat-8335	283	6	kabir	kabir	PROPN
easat-8335	283	7	,	,	PUNCT
easat-8335	283	8	s.	s.	PROPN
easat-8335	283	9	z.	z.	PROPN
easat-8335	283	10	saidin	saidin	PROPN
easat-8335	283	11	,	,	PUNCT
easat-8335	283	12	and	and	CCONJ
easat-8335	283	13	a.	a.	NOUN
easat-8335	283	14	ahmi	ahmi	NOUN
easat-8335	283	15	,	,	PUNCT
easat-8335	283	16	"	"	PUNCT
easat-8335	283	17	adoption	adoption	NOUN
easat-8335	283	18	of	of	ADP
easat-8335	283	19	e	e	NOUN
easat-8335	283	20	-	-	NOUN
easat-8335	283	21	payment	payment	NOUN
easat-8335	283	22	systems	system	NOUN
easat-8335	283	23	:	:	PUNCT
easat-8335	283	24	a	a	DET
easat-8335	283	25	review	review	NOUN
easat-8335	283	26	of	of	ADP
easat-8335	283	27	literature	literature	NOUN
easat-8335	283	28	,	,	PUNCT
easat-8335	283	29	"	"	PUNCT
easat-8335	283	30	presented	present	VERB
easat-8335	283	31	at	at	ADP
easat-8335	283	32	the	the	DET
easat-8335	283	33	international	international	ADJ
easat-8335	283	34	conference	conference	NOUN
easat-8335	283	35	on	on	ADP
easat-8335	283	36	e	e	NOUN
easat-8335	283	37	-	-	NOUN
easat-8335	283	38	commerce	commerce	NOUN
easat-8335	283	39	,	,	PUNCT
easat-8335	283	40	2015	2015	NUM
easat-8335	283	41	.	.	PUNCT
easat-8335	284	1	[	[	X
easat-8335	284	2	9	9	NUM
easat-8335	284	3	]	]	X
easat-8335	284	4	h.	h.	PROPN
easat-8335	284	5	elsaman	elsaman	PROPN
easat-8335	284	6	,	,	PUNCT
easat-8335	284	7	r.	r.	PROPN
easat-8335	284	8	dayanandan	dayanandan	PROPN
easat-8335	284	9	,	,	PUNCT
easat-8335	284	10	z.	z.	PROPN
easat-8335	284	11	dawood	dawood	PROPN
easat-8335	284	12	,	,	PUNCT
easat-8335	284	13	and	and	CCONJ
easat-8335	284	14	s.	s.	PROPN
easat-8335	284	15	al	al	PROPN
easat-8335	284	16	akrabi	akrabi	PROPN
easat-8335	284	17	,	,	PUNCT
easat-8335	284	18	"	"	PUNCT
easat-8335	284	19	navigating	navigate	VERB
easat-8335	284	20	fintech	fintech	NOUN
easat-8335	284	21	innovation	innovation	NOUN
easat-8335	284	22	:	:	PUNCT
easat-8335	284	23	performance	performance	NOUN
easat-8335	284	24	,	,	PUNCT
easat-8335	284	25	trust	trust	NOUN
easat-8335	284	26	,	,	PUNCT
easat-8335	284	27	and	and	CCONJ
easat-8335	284	28	risk	risk	NOUN
easat-8335	284	29	factors	factor	NOUN
easat-8335	284	30	in	in	ADP
easat-8335	284	31	uae	uae	PROPN
easat-8335	284	32	's	's	PART
easat-8335	284	33	banking	banking	NOUN
easat-8335	284	34	sector	sector	NOUN
easat-8335	284	35	,	,	PUNCT
easat-8335	284	36	"	"	PUNCT
easat-8335	284	37	journal	journal	NOUN
easat-8335	284	38	of	of	ADP
easat-8335	284	39	eastern	eastern	ADJ
easat-8335	284	40	european	european	ADJ
easat-8335	284	41	and	and	CCONJ
easat-8335	284	42	central	central	ADJ
easat-8335	284	43	asian	asian	ADJ
easat-8335	284	44	research	research	NOUN
easat-8335	284	45	,	,	PUNCT
easat-8335	284	46	vol	vol	NOUN
easat-8335	284	47	.	.	PROPN
easat-8335	284	48	11	11	NUM
easat-8335	284	49	,	,	PUNCT
easat-8335	284	50	no	no	INTJ
easat-8335	284	51	.	.	NOUN
easat-8335	284	52	2	2	NUM
easat-8335	284	53	,	,	PUNCT
easat-8335	284	54	pp	pp	ADJ
easat-8335	284	55	.	.	PUNCT
easat-8335	284	56	332341	332341	NUM
easat-8335	284	57	,	,	PUNCT
easat-8335	284	58	2024	2024	NUM
easat-8335	284	59	.	.	PUNCT
easat-8335	285	1	[	[	X
easat-8335	285	2	10	10	NUM
easat-8335	285	3	]	]	X
easat-8335	285	4	o.	o.	NOUN
easat-8335	285	5	volvach	volvach	PROPN
easat-8335	285	6	,	,	PUNCT
easat-8335	285	7	"	"	PUNCT
easat-8335	285	8	assessment	assessment	NOUN
easat-8335	285	9	of	of	ADP
easat-8335	285	10	the	the	DET
easat-8335	285	11	efficiency	efficiency	NOUN
easat-8335	285	12	of	of	ADP
easat-8335	285	13	use	use	NOUN
easat-8335	285	14	of	of	ADP
easat-8335	285	15	eps	eps	PROPN
easat-8335	285	16	by	by	ADP
easat-8335	285	17	business	business	NOUN
easat-8335	285	18	,	,	PUNCT
easat-8335	285	19	"	"	PUNCT
easat-8335	285	20	economics	economic	NOUN
easat-8335	285	21	-	-	PUNCT
easat-8335	285	22	innovative	innovative	ADJ
easat-8335	285	23	and	and	CCONJ
easat-8335	285	24	economics	economic	NOUN
easat-8335	285	25	research	research	NOUN
easat-8335	285	26	journal	journal	PROPN
easat-8335	285	27	,	,	PUNCT
easat-8335	285	28	vol	vol	NOUN
easat-8335	285	29	.	.	PROPN
easat-8335	285	30	11	11	NUM
easat-8335	285	31	,	,	PUNCT
easat-8335	285	32	no	no	INTJ
easat-8335	285	33	.	.	NOUN
easat-8335	285	34	1	1	NUM
easat-8335	285	35	,	,	PUNCT
easat-8335	285	36	pp	pp	ADJ
easat-8335	285	37	.	.	PUNCT
easat-8335	286	1	233	233	NUM
easat-8335	286	2	-	-	SYM
easat-8335	286	3	249	249	NUM
easat-8335	286	4	,	,	PUNCT
easat-8335	286	5	2023	2023	NUM
easat-8335	286	6	.	.	PUNCT
easat-8335	287	1	https://doi.org/10.2478/eoik-2023-0003	https://doi.org/10.2478/eoik-2023-0003	NOUN
easat-8335	288	1	[	[	X
easat-8335	288	2	11	11	NUM
easat-8335	288	3	]	]	X
easat-8335	288	4	bank	bank	PROPN
easat-8335	288	5	of	of	ADP
easat-8335	288	6	algeria	algeria	PROPN
easat-8335	288	7	,	,	PUNCT
easat-8335	288	8	annual	annual	ADJ
easat-8335	288	9	report	report	NOUN
easat-8335	288	10	2019	2019	NUM
easat-8335	288	11	.	.	PUNCT
easat-8335	289	1	algeria	algeria	PROPN
easat-8335	289	2	:	:	PUNCT
easat-8335	289	3	bank	bank	PROPN
easat-8335	289	4	of	of	ADP
easat-8335	289	5	algeria	algeria	PROPN
easat-8335	289	6	,	,	PUNCT
easat-8335	289	7	2019	2019	NUM
easat-8335	289	8	.	.	PUNCT
easat-8335	290	1	[	[	X
easat-8335	290	2	12	12	NUM
easat-8335	290	3	]	]	PUNCT
easat-8335	290	4	s.	s.	PROPN
easat-8335	290	5	merbouhi	merbouhi	PROPN
easat-8335	290	6	and	and	CCONJ
easat-8335	290	7	n.	n.	PROPN
easat-8335	290	8	hadid	hadid	PROPN
easat-8335	290	9	,	,	PUNCT
easat-8335	290	10	"	"	PUNCT
easat-8335	290	11	electronic	electronic	ADJ
easat-8335	290	12	payment	payment	NOUN
easat-8335	290	13	in	in	ADP
easat-8335	290	14	algeria	algeria	PROPN
easat-8335	290	15	:	:	PUNCT
easat-8335	290	16	economic	economic	ADJ
easat-8335	290	17	and	and	CCONJ
easat-8335	290	18	financial	financial	ADJ
easat-8335	290	19	crimes	crime	NOUN
easat-8335	290	20	,	,	PUNCT
easat-8335	290	21	"	"	PUNCT
easat-8335	290	22	nouvelle	nouvelle	X
easat-8335	290	23	économie	économie	PROPN
easat-8335	290	24	review	review	PROPN
easat-8335	290	25	,	,	PUNCT
easat-8335	290	26	vol	vol	NOUN
easat-8335	290	27	.	.	PROPN
easat-8335	290	28	1	1	NUM
easat-8335	290	29	,	,	PUNCT
easat-8335	290	30	no	no	INTJ
easat-8335	290	31	.	.	NOUN
easat-8335	290	32	16	16	NUM
easat-8335	290	33	,	,	PUNCT
easat-8335	290	34	pp	pp	ADJ
easat-8335	290	35	.	.	PUNCT
easat-8335	290	36	19–27	19–27	NUM
easat-8335	290	37	,	,	PUNCT
easat-8335	290	38	2017	2017	NUM
easat-8335	290	39	.	.	PUNCT
easat-8335	291	1	[	[	X
easat-8335	291	2	13	13	NUM
easat-8335	291	3	]	]	X
easat-8335	291	4	f.	f.	PROPN
easat-8335	291	5	d.	d.	PROPN
easat-8335	291	6	davis	davis	PROPN
easat-8335	291	7	,	,	PUNCT
easat-8335	291	8	"	"	PUNCT
easat-8335	291	9	perceived	perceive	VERB
easat-8335	291	10	usefulness	usefulness	NOUN
easat-8335	291	11	,	,	PUNCT
easat-8335	291	12	perceived	perceive	VERB
easat-8335	291	13	ease	ease	NOUN
easat-8335	291	14	of	of	ADP
easat-8335	291	15	use	use	NOUN
easat-8335	291	16	,	,	PUNCT
easat-8335	291	17	and	and	CCONJ
easat-8335	291	18	user	user	NOUN
easat-8335	291	19	acceptance	acceptance	NOUN
easat-8335	291	20	of	of	ADP
easat-8335	291	21	information	information	NOUN
easat-8335	291	22	technology	technology	NOUN
easat-8335	291	23	,	,	PUNCT
easat-8335	291	24	"	"	PUNCT
easat-8335	291	25	mis	mis	PROPN
easat-8335	291	26	quarterly	quarterly	ADJ
easat-8335	291	27	,	,	PUNCT
easat-8335	291	28	vol	vol	NOUN
easat-8335	291	29	.	.	PROPN
easat-8335	291	30	13	13	NUM
easat-8335	291	31	,	,	PUNCT
easat-8335	291	32	no	no	INTJ
easat-8335	291	33	.	.	NOUN
easat-8335	291	34	3	3	NUM
easat-8335	291	35	,	,	PUNCT
easat-8335	291	36	pp	pp	ADJ
easat-8335	291	37	.	.	PUNCT
easat-8335	291	38	319	319	NUM
easat-8335	291	39	-	-	SYM
easat-8335	291	40	340	340	NUM
easat-8335	291	41	,	,	PUNCT
easat-8335	291	42	1989	1989	NUM
easat-8335	291	43	.	.	PUNCT
easat-8335	292	1	https://doi.org/10.2307/249008	https://doi.org/10.2307/249008	X
easat-8335	293	1	[	[	X
easat-8335	293	2	14	14	NUM
easat-8335	293	3	]	]	X
easat-8335	293	4	f.	f.	PROPN
easat-8335	293	5	d.	d.	PROPN
easat-8335	293	6	davis	davis	PROPN
easat-8335	293	7	,	,	PUNCT
easat-8335	293	8	r.	r.	PROPN
easat-8335	293	9	p.	p.	PROPN
easat-8335	293	10	bagozzi	bagozzi	NOUN
easat-8335	293	11	,	,	PUNCT
easat-8335	293	12	and	and	CCONJ
easat-8335	293	13	p.	p.	PROPN
easat-8335	293	14	r.	r.	PROPN
easat-8335	293	15	warshaw	warshaw	PROPN
easat-8335	293	16	,	,	PUNCT
easat-8335	293	17	"	"	PUNCT
easat-8335	293	18	user	user	NOUN
easat-8335	293	19	acceptance	acceptance	NOUN
easat-8335	293	20	of	of	ADP
easat-8335	293	21	computer	computer	NOUN
easat-8335	293	22	technology	technology	NOUN
easat-8335	293	23	:	:	PUNCT
easat-8335	293	24	a	a	DET
easat-8335	293	25	comparison	comparison	NOUN
easat-8335	293	26	of	of	ADP
easat-8335	293	27	two	two	NUM
easat-8335	293	28	theoretical	theoretical	ADJ
easat-8335	293	29	models	model	NOUN
easat-8335	293	30	,	,	PUNCT
easat-8335	293	31	"	"	PUNCT
easat-8335	293	32	management	management	NOUN
easat-8335	293	33	science	science	NOUN
easat-8335	293	34	,	,	PUNCT
easat-8335	293	35	vol	vol	NOUN
easat-8335	293	36	.	.	PROPN
easat-8335	293	37	35	35	NUM
easat-8335	293	38	,	,	PUNCT
easat-8335	293	39	no	no	INTJ
easat-8335	293	40	.	.	NOUN
easat-8335	293	41	8	8	NUM
easat-8335	293	42	,	,	PUNCT
easat-8335	293	43	pp	pp	ADJ
easat-8335	293	44	.	.	PUNCT
easat-8335	293	45	982–1003	982–1003	NUM
easat-8335	293	46	,	,	PUNCT
easat-8335	293	47	1989	1989	NUM
easat-8335	293	48	.	.	PUNCT
easat-8335	294	1	https://doi.org/10.1287/mnsc.35.8.982	https://doi.org/10.1287/mnsc.35.8.982	PROPN
easat-8335	295	1	[	[	X
easat-8335	295	2	15	15	NUM
easat-8335	295	3	]	]	X
easat-8335	295	4	s.	s.	PROPN
easat-8335	295	5	afshan	afshan	PROPN
easat-8335	295	6	and	and	CCONJ
easat-8335	295	7	a.	a.	PROPN
easat-8335	295	8	sharif	sharif	PROPN
easat-8335	295	9	,	,	PUNCT
easat-8335	295	10	"	"	PUNCT
easat-8335	295	11	acceptance	acceptance	NOUN
easat-8335	295	12	of	of	ADP
easat-8335	295	13	mobile	mobile	ADJ
easat-8335	295	14	banking	banking	NOUN
easat-8335	295	15	framework	framework	NOUN
easat-8335	295	16	in	in	ADP
easat-8335	295	17	pakistan	pakistan	PROPN
easat-8335	295	18	,	,	PUNCT
easat-8335	295	19	"	"	PUNCT
easat-8335	295	20	telematics	telematic	NOUN
easat-8335	295	21	and	and	CCONJ
easat-8335	295	22	informatics	informatic	NOUN
easat-8335	295	23	,	,	PUNCT
easat-8335	295	24	vol	vol	NOUN
easat-8335	295	25	.	.	PROPN
easat-8335	296	1	33	33	NUM
easat-8335	296	2	,	,	PUNCT
easat-8335	296	3	no	no	INTJ
easat-8335	296	4	.	.	NOUN
easat-8335	296	5	2	2	NUM
easat-8335	296	6	,	,	PUNCT
easat-8335	296	7	pp	pp	ADJ
easat-8335	296	8	.	.	PUNCT
easat-8335	297	1	370	370	NUM
easat-8335	297	2	-	-	SYM
easat-8335	297	3	387	387	NUM
easat-8335	297	4	,	,	PUNCT
easat-8335	297	5	2016	2016	NUM
easat-8335	297	6	.	.	PUNCT
easat-8335	298	1	https://doi.org/10.1016/j.tele.2015.09.005	https://doi.org/10.1016/j.tele.2015.09.005	VERB
easat-8335	299	1	[	[	X
easat-8335	299	2	16	16	NUM
easat-8335	299	3	]	]	PUNCT
easat-8335	299	4	s.	s.	PROPN
easat-8335	299	5	hassan	hassan	PROPN
easat-8335	299	6	,	,	PUNCT
easat-8335	299	7	m.	m.	PROPN
easat-8335	299	8	k.	k.	PROPN
easat-8335	299	9	k.	k.	PROPN
easat-8335	299	10	jati	jati	PROPN
easat-8335	299	11	,	,	PUNCT
easat-8335	299	12	h.	h.	PROPN
easat-8335	299	13	hosin	hosin	PROPN
easat-8335	299	14	,	,	PUNCT
easat-8335	299	15	and	and	CCONJ
easat-8335	299	16	m.	m.	NOUN
easat-8335	299	17	a.	a.	PROPN
easat-8335	299	18	abd	abd	PROPN
easat-8335	299	19	majid	majid	PROPN
easat-8335	299	20	,	,	PUNCT
easat-8335	299	21	"	"	PUNCT
easat-8335	299	22	determinants	determinant	NOUN
easat-8335	299	23	of	of	ADP
easat-8335	299	24	customer	customer	NOUN
easat-8335	299	25	’	'	PUNCT
easat-8335	299	26	s	s	PART
easat-8335	299	27	adoption	adoption	NOUN
easat-8335	299	28	on	on	ADP
easat-8335	299	29	digital	digital	ADJ
easat-8335	299	30	banking	banking	NOUN
easat-8335	299	31	services	service	NOUN
easat-8335	299	32	in	in	ADP
easat-8335	299	33	malaysia	malaysia	PROPN
easat-8335	299	34	,	,	PUNCT
easat-8335	299	35	"	"	PUNCT
easat-8335	299	36	international	international	ADJ
easat-8335	299	37	journal	journal	NOUN
easat-8335	299	38	of	of	ADP
easat-8335	299	39	advanced	advanced	ADJ
easat-8335	299	40	research	research	NOUN
easat-8335	299	41	in	in	ADP
easat-8335	299	42	economics	economic	NOUN
easat-8335	299	43	and	and	CCONJ
easat-8335	299	44	finance	finance	NOUN
easat-8335	299	45	,	,	PUNCT
easat-8335	299	46	vol	vol	NOUN
easat-8335	299	47	.	.	PROPN
easat-8335	299	48	5	5	NUM
easat-8335	299	49	,	,	PUNCT
easat-8335	299	50	no	no	INTJ
easat-8335	299	51	.	.	NOUN
easat-8335	299	52	2	2	NUM
easat-8335	299	53	,	,	PUNCT
easat-8335	299	54	pp	pp	ADJ
easat-8335	299	55	.	.	PUNCT
easat-8335	300	1	20	20	NUM
easat-8335	300	2	-	-	SYM
easat-8335	300	3	27	27	NUM
easat-8335	300	4	,	,	PUNCT
easat-8335	300	5	2023	2023	NUM
easat-8335	300	6	.	.	PUNCT
easat-8335	301	1	[	[	X
easat-8335	301	2	17	17	NUM
easat-8335	301	3	]	]	PUNCT
easat-8335	301	4	a.	a.	NOUN
easat-8335	301	5	a.	a.	NOUN
easat-8335	301	6	alalwan	alalwan	PROPN
easat-8335	301	7	,	,	PUNCT
easat-8335	301	8	y.	y.	PROPN
easat-8335	301	9	k.	k.	PROPN
easat-8335	301	10	dwivedi	dwivedi	PROPN
easat-8335	301	11	,	,	PUNCT
easat-8335	301	12	n.	n.	PROPN
easat-8335	301	13	p.	p.	PROPN
easat-8335	301	14	rana	rana	PROPN
easat-8335	301	15	,	,	PUNCT
easat-8335	301	16	and	and	CCONJ
easat-8335	301	17	m.	m.	PROPN
easat-8335	301	18	d.	d.	PROPN
easat-8335	301	19	williams	williams	PROPN
easat-8335	301	20	,	,	PUNCT
easat-8335	301	21	"	"	PUNCT
easat-8335	301	22	consumer	consumer	NOUN
easat-8335	301	23	adoption	adoption	NOUN
easat-8335	301	24	of	of	ADP
easat-8335	301	25	mobile	mobile	ADJ
easat-8335	301	26	banking	banking	NOUN
easat-8335	301	27	in	in	ADP
easat-8335	301	28	jordan	jordan	PROPN
easat-8335	301	29	:	:	PUNCT
easat-8335	301	30	examining	examine	VERB
easat-8335	301	31	the	the	DET
easat-8335	301	32	role	role	NOUN
easat-8335	301	33	of	of	ADP
easat-8335	301	34	usefulness	usefulness	NOUN
easat-8335	301	35	,	,	PUNCT
easat-8335	301	36	ease	ease	NOUN
easat-8335	301	37	of	of	ADP
easat-8335	301	38	use	use	NOUN
easat-8335	301	39	,	,	PUNCT
easat-8335	301	40	perceived	perceive	VERB
easat-8335	301	41	risk	risk	NOUN
easat-8335	301	42	and	and	CCONJ
easat-8335	301	43	self	self	NOUN
easat-8335	301	44	-	-	PUNCT
easat-8335	301	45	efficacy	efficacy	NOUN
easat-8335	301	46	,	,	PUNCT
easat-8335	301	47	"	"	PUNCT
easat-8335	301	48	journal	journal	NOUN
easat-8335	301	49	of	of	ADP
easat-8335	301	50	enterprise	enterprise	NOUN
easat-8335	301	51	information	information	NOUN
easat-8335	301	52	management	management	NOUN
easat-8335	301	53	,	,	PUNCT
easat-8335	301	54	vol	vol	NOUN
easat-8335	301	55	.	.	PROPN
easat-8335	301	56	29	29	NUM
easat-8335	301	57	,	,	PUNCT
easat-8335	301	58	no	no	INTJ
easat-8335	301	59	.	.	NOUN
easat-8335	301	60	1	1	NUM
easat-8335	301	61	,	,	PUNCT
easat-8335	301	62	pp	pp	ADJ
easat-8335	301	63	.	.	PUNCT
easat-8335	302	1	118	118	NUM
easat-8335	302	2	-	-	NUM
easat-8335	302	3	139	139	NUM
easat-8335	302	4	,	,	PUNCT
easat-8335	302	5	2016	2016	NUM
easat-8335	302	6	.	.	PUNCT
easat-8335	303	1	https://doi.org/10.1108/jeim-04-2015-0035	https://doi.org/10.1108/jeim-04-2015-0035	PROPN
easat-8335	304	1	[	[	X
easat-8335	304	2	18	18	NUM
easat-8335	304	3	]	]	X
easat-8335	304	4	v.	v.	ADP
easat-8335	304	5	venkatesh	venkatesh	PROPN
easat-8335	304	6	and	and	CCONJ
easat-8335	304	7	f.	f.	PROPN
easat-8335	304	8	d.	d.	PROPN
easat-8335	304	9	davis	davis	PROPN
easat-8335	304	10	,	,	PUNCT
easat-8335	304	11	"	"	PUNCT
easat-8335	304	12	a	a	DET
easat-8335	304	13	theoretical	theoretical	ADJ
easat-8335	304	14	extension	extension	NOUN
easat-8335	304	15	of	of	ADP
easat-8335	304	16	the	the	DET
easat-8335	304	17	technology	technology	NOUN
easat-8335	304	18	acceptance	acceptance	NOUN
easat-8335	304	19	model	model	NOUN
easat-8335	304	20	:	:	PUNCT
easat-8335	304	21	four	four	NUM
easat-8335	304	22	longitudinal	longitudinal	ADJ
easat-8335	304	23	field	field	NOUN
easat-8335	304	24	studies	study	NOUN
easat-8335	304	25	,	,	PUNCT
easat-8335	304	26	"	"	PUNCT
easat-8335	304	27	management	management	NOUN
easat-8335	304	28	science	science	NOUN
easat-8335	304	29	,	,	PUNCT
easat-8335	304	30	vol	vol	NOUN
easat-8335	304	31	.	.	PROPN
easat-8335	304	32	46	46	NUM
easat-8335	304	33	,	,	PUNCT
easat-8335	304	34	no	no	INTJ
easat-8335	304	35	.	.	NOUN
easat-8335	304	36	2	2	NUM
easat-8335	304	37	,	,	PUNCT
easat-8335	304	38	pp	pp	ADJ
easat-8335	304	39	.	.	PUNCT
easat-8335	305	1	186	186	NUM
easat-8335	305	2	-	-	SYM
easat-8335	305	3	204	204	NUM
easat-8335	305	4	,	,	PUNCT
easat-8335	305	5	2000	2000	NUM
easat-8335	305	6	.	.	PUNCT
easat-8335	306	1	https://doi.org/10.1287/mnsc.46.2.186.11926	https://doi.org/10.1287/mnsc.46.2.186.11926	NOUN
easat-8335	307	1	[	[	X
easat-8335	307	2	19	19	NUM
easat-8335	307	3	]	]	X
easat-8335	307	4	c.	c.	PROPN
easat-8335	307	5	martins	martins	PROPN
easat-8335	307	6	,	,	PUNCT
easat-8335	307	7	t.	t.	PROPN
easat-8335	307	8	oliveira	oliveira	PROPN
easat-8335	307	9	,	,	PUNCT
easat-8335	307	10	and	and	CCONJ
easat-8335	307	11	a.	a.	NOUN
easat-8335	307	12	popovič	popovič	NOUN
easat-8335	307	13	,	,	PUNCT
easat-8335	307	14	"	"	PUNCT
easat-8335	307	15	understanding	understand	VERB
easat-8335	307	16	the	the	DET
easat-8335	307	17	internet	internet	NOUN
easat-8335	307	18	banking	banking	NOUN
easat-8335	307	19	adoption	adoption	NOUN
easat-8335	307	20	:	:	PUNCT
easat-8335	307	21	a	a	DET
easat-8335	307	22	unified	unified	ADJ
easat-8335	307	23	theory	theory	NOUN
easat-8335	307	24	of	of	ADP
easat-8335	307	25	acceptance	acceptance	NOUN
easat-8335	307	26	and	and	CCONJ
easat-8335	307	27	use	use	NOUN
easat-8335	307	28	of	of	ADP
easat-8335	307	29	technology	technology	NOUN
easat-8335	307	30	and	and	CCONJ
easat-8335	307	31	perceived	perceive	VERB
easat-8335	307	32	risk	risk	NOUN
easat-8335	307	33	application	application	NOUN
easat-8335	307	34	,	,	PUNCT
easat-8335	307	35	"	"	PUNCT
easat-8335	307	36	international	international	ADJ
easat-8335	307	37	journal	journal	NOUN
easat-8335	307	38	of	of	ADP
easat-8335	307	39	information	information	NOUN
easat-8335	307	40	management	management	NOUN
easat-8335	307	41	,	,	PUNCT
easat-8335	307	42	vol	vol	NOUN
easat-8335	307	43	.	.	PROPN
easat-8335	307	44	34	34	NUM
easat-8335	307	45	,	,	PUNCT
easat-8335	307	46	no	no	INTJ
easat-8335	307	47	.	.	NOUN
easat-8335	307	48	1	1	NUM
easat-8335	307	49	,	,	PUNCT
easat-8335	307	50	pp	pp	ADJ
easat-8335	307	51	.	.	PUNCT
easat-8335	308	1	1	1	NUM
easat-8335	308	2	-	-	SYM
easat-8335	308	3	13	13	NUM
easat-8335	308	4	,	,	PUNCT
easat-8335	308	5	2014	2014	NUM
easat-8335	308	6	.	.	PUNCT
easat-8335	309	1	https://doi.org/10.1016/j.ijinfomgt.2013.06.002	https://doi.org/10.1016/j.ijinfomgt.2013.06.002	NOUN
easat-8335	309	2	[	[	X
easat-8335	309	3	20	20	NUM
easat-8335	309	4	]	]	PUNCT
easat-8335	309	5	a.	a.	NOUN
easat-8335	309	6	a.	a.	NOUN
easat-8335	309	7	shaikh	shaikh	PROPN
easat-8335	309	8	and	and	CCONJ
easat-8335	309	9	h.	h.	PROPN
easat-8335	309	10	karjaluoto	karjaluoto	PROPN
easat-8335	309	11	,	,	PUNCT
easat-8335	309	12	"	"	PUNCT
easat-8335	309	13	mobile	mobile	ADJ
easat-8335	309	14	banking	banking	NOUN
easat-8335	309	15	adoption	adoption	NOUN
easat-8335	309	16	:	:	PUNCT
easat-8335	309	17	a	a	DET
easat-8335	309	18	literature	literature	NOUN
easat-8335	309	19	review	review	NOUN
easat-8335	309	20	,	,	PUNCT
easat-8335	309	21	"	"	PUNCT
easat-8335	309	22	telematics	telematic	NOUN
easat-8335	309	23	and	and	CCONJ
easat-8335	309	24	informatics	informatic	NOUN
easat-8335	309	25	,	,	PUNCT
easat-8335	309	26	vol	vol	NOUN
easat-8335	309	27	.	.	PROPN
easat-8335	310	1	32	32	NUM
easat-8335	310	2	,	,	PUNCT
easat-8335	310	3	no	no	INTJ
easat-8335	310	4	.	.	NOUN
easat-8335	310	5	1	1	NUM
easat-8335	310	6	,	,	PUNCT
easat-8335	310	7	pp	pp	ADJ
easat-8335	310	8	.	.	PUNCT
easat-8335	311	1	129	129	NUM
easat-8335	311	2	-	-	SYM
easat-8335	311	3	142	142	NUM
easat-8335	311	4	,	,	PUNCT
easat-8335	311	5	2015	2015	NUM
easat-8335	311	6	.	.	PUNCT
easat-8335	312	1	https://doi.org/10.1016/j.tele.2014.05.003	https://doi.org/10.1016/j.tele.2014.05.003	NUM
easat-8335	312	2	[	[	X
easat-8335	312	3	21	21	NUM
easat-8335	312	4	]	]	X
easat-8335	312	5	p.	p.	NOUN
easat-8335	312	6	a.	a.	NOUN
easat-8335	312	7	pavlou	pavlou	PROPN
easat-8335	312	8	,	,	PUNCT
easat-8335	312	9	"	"	PUNCT
easat-8335	312	10	consumer	consumer	NOUN
easat-8335	312	11	acceptance	acceptance	NOUN
easat-8335	312	12	of	of	ADP
easat-8335	312	13	electronic	electronic	ADJ
easat-8335	312	14	commerce	commerce	NOUN
easat-8335	312	15	:	:	PUNCT
easat-8335	312	16	integrating	integrate	VERB
easat-8335	312	17	trust	trust	NOUN
easat-8335	312	18	and	and	CCONJ
easat-8335	312	19	risk	risk	NOUN
easat-8335	312	20	with	with	ADP
easat-8335	312	21	the	the	DET
easat-8335	312	22	technology	technology	NOUN
easat-8335	312	23	acceptance	acceptance	NOUN
easat-8335	312	24	model	model	NOUN
easat-8335	312	25	,	,	PUNCT
easat-8335	312	26	"	"	PUNCT
easat-8335	312	27	international	international	ADJ
easat-8335	312	28	journal	journal	NOUN
easat-8335	312	29	of	of	ADP
easat-8335	312	30	electronic	electronic	ADJ
easat-8335	312	31	commerce	commerce	NOUN
easat-8335	312	32	,	,	PUNCT
easat-8335	312	33	vol	vol	NOUN
easat-8335	312	34	.	.	PROPN
easat-8335	312	35	7	7	NUM
easat-8335	312	36	,	,	PUNCT
easat-8335	312	37	no	no	INTJ
easat-8335	312	38	.	.	NOUN
easat-8335	312	39	3	3	NUM
easat-8335	312	40	,	,	PUNCT
easat-8335	312	41	pp	pp	ADJ
easat-8335	312	42	.	.	PUNCT
easat-8335	313	1	101	101	NUM
easat-8335	313	2	-	-	SYM
easat-8335	313	3	134	134	NUM
easat-8335	313	4	,	,	PUNCT
easat-8335	313	5	2003	2003	NUM
easat-8335	313	6	.	.	PUNCT
easat-8335	314	1	https://doi.org/10.1080/10864415.2003.11044275	https://doi.org/10.1080/10864415.2003.11044275	PROPN
easat-8335	315	1	[	[	X
easat-8335	315	2	22	22	NUM
easat-8335	315	3	]	]	X
easat-8335	315	4	h.	h.	PROPN
easat-8335	315	5	amin	amin	PROPN
easat-8335	315	6	,	,	PUNCT
easat-8335	315	7	"	"	PUNCT
easat-8335	315	8	an	an	DET
easat-8335	315	9	analysis	analysis	NOUN
easat-8335	315	10	of	of	ADP
easat-8335	315	11	online	online	ADJ
easat-8335	315	12	banking	banking	NOUN
easat-8335	315	13	usage	usage	NOUN
easat-8335	315	14	intentions	intention	NOUN
easat-8335	315	15	:	:	PUNCT
easat-8335	315	16	an	an	DET
easat-8335	315	17	extension	extension	NOUN
easat-8335	315	18	of	of	ADP
easat-8335	315	19	the	the	DET
easat-8335	315	20	technology	technology	NOUN
easat-8335	315	21	acceptance	acceptance	NOUN
easat-8335	315	22	model	model	NOUN
easat-8335	315	23	,	,	PUNCT
easat-8335	315	24	"	"	PUNCT
easat-8335	315	25	international	international	ADJ
easat-8335	315	26	journal	journal	NOUN
easat-8335	315	27	of	of	ADP
easat-8335	315	28	business	business	NOUN
easat-8335	315	29	and	and	CCONJ
easat-8335	315	30	society	society	NOUN
easat-8335	315	31	,	,	PUNCT
easat-8335	315	32	vol	vol	NOUN
easat-8335	315	33	.	.	PROPN
easat-8335	315	34	10	10	NUM
easat-8335	315	35	,	,	PUNCT
easat-8335	315	36	no	no	INTJ
easat-8335	315	37	.	.	NOUN
easat-8335	315	38	1	1	NUM
easat-8335	315	39	,	,	PUNCT
easat-8335	315	40	pp	pp	ADJ
easat-8335	315	41	.	.	PUNCT
easat-8335	316	1	27–40	27–40	NUM
easat-8335	316	2	,	,	PUNCT
easat-8335	316	3	2009	2009	NUM
easat-8335	316	4	.	.	PUNCT
easat-8335	317	1	[	[	X
easat-8335	317	2	23	23	NUM
easat-8335	317	3	]	]	X
easat-8335	317	4	b.	b.	PROPN
easat-8335	317	5	kafia	kafia	PROPN
easat-8335	317	6	,	,	PUNCT
easat-8335	317	7	s.	s.	PROPN
easat-8335	317	8	m.	m.	PROPN
easat-8335	317	9	ouidir	ouidir	PROPN
easat-8335	317	10	,	,	PUNCT
easat-8335	317	11	and	and	CCONJ
easat-8335	317	12	o.	o.	PROPN
easat-8335	317	13	nadjia	nadjia	PROPN
easat-8335	317	14	,	,	PUNCT
easat-8335	317	15	"	"	PUNCT
easat-8335	317	16	the	the	DET
easat-8335	317	17	digital	digital	ADJ
easat-8335	317	18	transformation	transformation	NOUN
easat-8335	317	19	in	in	ADP
easat-8335	317	20	algeria	algeria	PROPN
easat-8335	317	21	’s	’s	PART
easat-8335	317	22	banking	banking	NOUN
easat-8335	317	23	sector	sector	NOUN
easat-8335	317	24	:	:	PUNCT
easat-8335	317	25	what	what	DET
easat-8335	317	26	opportunities	opportunity	NOUN
easat-8335	317	27	for	for	ADP
easat-8335	317	28	the	the	DET
easat-8335	317	29	country	country	NOUN
easat-8335	317	30	’s	’s	PART
easat-8335	317	31	economy	economy	NOUN
easat-8335	317	32	?	?	PUNCT
easat-8335	317	33	,	,	PUNCT
easat-8335	317	34	"	"	PUNCT
easat-8335	317	35	kuwait	kuwait	PROPN
easat-8335	317	36	chapter	chapter	NOUN
easat-8335	317	37	of	of	ADP
easat-8335	317	38	arabian	arabian	ADJ
easat-8335	317	39	journal	journal	PROPN
easat-8335	317	40	of	of	ADP
easat-8335	317	41	business	business	NOUN
easat-8335	317	42	and	and	CCONJ
easat-8335	317	43	management	management	NOUN
easat-8335	317	44	review	review	NOUN
easat-8335	317	45	,	,	PUNCT
easat-8335	317	46	vol	vol	NOUN
easat-8335	317	47	.	.	PROPN
easat-8335	317	48	30	30	NUM
easat-8335	317	49	,	,	PUNCT
easat-8335	317	50	no	no	INTJ
easat-8335	317	51	.	.	NOUN
easat-8335	317	52	8	8	NUM
easat-8335	317	53	,	,	PUNCT
easat-8335	317	54	pp	pp	ADJ
easat-8335	317	55	.	.	PUNCT
easat-8335	318	1	455	455	NUM
easat-8335	318	2	–	–	PUNCT
easat-8335	318	3	461	461	NUM
easat-8335	318	4	,	,	PUNCT
easat-8335	318	5	2024	2024	NUM
easat-8335	318	6	.	.	PUNCT
easat-8335	319	1	[	[	X
easat-8335	319	2	24	24	NUM
easat-8335	319	3	]	]	PUNCT
easat-8335	319	4	t.	t.	PROPN
easat-8335	319	5	oliveira	oliveira	PROPN
easat-8335	319	6	,	,	PUNCT
easat-8335	319	7	m.	m.	PROPN
easat-8335	319	8	thomas	thomas	PROPN
easat-8335	319	9	,	,	PUNCT
easat-8335	319	10	g.	g.	PROPN
easat-8335	319	11	baptista	baptista	PROPN
easat-8335	319	12	,	,	PUNCT
easat-8335	319	13	and	and	CCONJ
easat-8335	319	14	f.	f.	PROPN
easat-8335	319	15	campos	campos	PROPN
easat-8335	319	16	,	,	PUNCT
easat-8335	319	17	"	"	PUNCT
easat-8335	319	18	mobile	mobile	ADJ
easat-8335	319	19	payment	payment	NOUN
easat-8335	319	20	:	:	PUNCT
easat-8335	319	21	understanding	understand	VERB
easat-8335	319	22	the	the	DET
easat-8335	319	23	determinants	determinant	NOUN
easat-8335	319	24	of	of	ADP
easat-8335	319	25	customer	customer	NOUN
easat-8335	319	26	adoption	adoption	NOUN
easat-8335	319	27	and	and	CCONJ
easat-8335	319	28	intention	intention	NOUN
easat-8335	319	29	to	to	PART
easat-8335	319	30	recommend	recommend	VERB
easat-8335	319	31	the	the	DET
easat-8335	319	32	technology	technology	NOUN
easat-8335	319	33	,	,	PUNCT
easat-8335	319	34	"	"	PUNCT
easat-8335	319	35	computers	computer	NOUN
easat-8335	319	36	in	in	ADP
easat-8335	319	37	human	human	ADJ
easat-8335	319	38	behavior	behavior	NOUN
easat-8335	319	39	,	,	PUNCT
easat-8335	319	40	vol	vol	NOUN
easat-8335	319	41	.	.	PROPN
easat-8335	319	42	61	61	NUM
easat-8335	319	43	,	,	PUNCT
easat-8335	319	44	pp	pp	ADJ
easat-8335	319	45	.	.	PUNCT
easat-8335	320	1	404	404	NUM
easat-8335	320	2	-	-	SYM
easat-8335	320	3	414	414	NUM
easat-8335	320	4	,	,	PUNCT
easat-8335	320	5	2016	2016	NUM
easat-8335	320	6	.	.	PUNCT
easat-8335	321	1	https://doi.org/10.1016/j.chb.2016.03.030	https://doi.org/10.1016/j.chb.2016.03.030	PROPN
easat-8335	322	1	[	[	X
easat-8335	322	2	25	25	NUM
easat-8335	322	3	]	]	PUNCT
easat-8335	322	4	m.-j	m.-j	PROPN
easat-8335	322	5	.	.	PUNCT
easat-8335	323	1	kim	kim	PROPN
easat-8335	323	2	,	,	PUNCT
easat-8335	323	3	n.	n.	PROPN
easat-8335	323	4	chung	chung	PROPN
easat-8335	323	5	,	,	PUNCT
easat-8335	323	6	and	and	CCONJ
easat-8335	323	7	c.-k	c.-k	PROPN
easat-8335	323	8	.	.	PUNCT
easat-8335	324	1	lee	lee	PROPN
easat-8335	324	2	,	,	PUNCT
easat-8335	324	3	"	"	PUNCT
easat-8335	324	4	the	the	DET
easat-8335	324	5	effect	effect	NOUN
easat-8335	324	6	of	of	ADP
easat-8335	324	7	perceived	perceive	VERB
easat-8335	324	8	trust	trust	NOUN
easat-8335	324	9	on	on	ADP
easat-8335	324	10	electronic	electronic	ADJ
easat-8335	324	11	commerce	commerce	NOUN
easat-8335	324	12	:	:	PUNCT
easat-8335	324	13	shopping	shop	VERB
easat-8335	324	14	online	online	ADV
easat-8335	324	15	for	for	ADP
easat-8335	324	16	tourism	tourism	NOUN
easat-8335	324	17	products	product	NOUN
easat-8335	324	18	and	and	CCONJ
easat-8335	324	19	services	service	NOUN
easat-8335	324	20	in	in	ADP
easat-8335	324	21	south	south	PROPN
easat-8335	324	22	korea	korea	PROPN
easat-8335	324	23	,	,	PUNCT
easat-8335	324	24	"	"	PUNCT
easat-8335	324	25	tourism	tourism	NOUN
easat-8335	324	26	management	management	NOUN
easat-8335	324	27	,	,	PUNCT
easat-8335	324	28	vol	vol	NOUN
easat-8335	324	29	.	.	PROPN
easat-8335	324	30	32	32	NUM
easat-8335	324	31	,	,	PUNCT
easat-8335	324	32	no	no	INTJ
easat-8335	324	33	.	.	NOUN
easat-8335	324	34	2	2	NUM
easat-8335	324	35	,	,	PUNCT
easat-8335	324	36	pp	pp	ADJ
easat-8335	324	37	.	.	PUNCT
easat-8335	325	1	256	256	NUM
easat-8335	325	2	-	-	SYM
easat-8335	325	3	265	265	NUM
easat-8335	325	4	,	,	PUNCT
easat-8335	325	5	2011	2011	NUM
easat-8335	325	6	.	.	PUNCT
easat-8335	326	1	https://doi.org/10.1016/j.tourman.2010.01.011	https://doi.org/10.1016/j.tourman.2010.01.011	NOUN
easat-8335	326	2	[	[	X
easat-8335	326	3	26	26	NUM
easat-8335	326	4	]	]	X
easat-8335	326	5	c.	c.	PROPN
easat-8335	326	6	kim	kim	PROPN
easat-8335	326	7	,	,	PUNCT
easat-8335	326	8	w.	w.	PROPN
easat-8335	326	9	tao	tao	PROPN
easat-8335	326	10	,	,	PUNCT
easat-8335	326	11	n.	n.	PROPN
easat-8335	326	12	shin	shin	PROPN
easat-8335	326	13	,	,	PUNCT
easat-8335	326	14	and	and	CCONJ
easat-8335	326	15	k.-s	k.-	NOUN
easat-8335	326	16	.	.	PUNCT
easat-8335	327	1	kim	kim	PROPN
easat-8335	327	2	,	,	PUNCT
easat-8335	327	3	"	"	PUNCT
easat-8335	327	4	an	an	DET
easat-8335	327	5	empirical	empirical	ADJ
easat-8335	327	6	study	study	NOUN
easat-8335	327	7	of	of	ADP
easat-8335	327	8	customers	customer	NOUN
easat-8335	327	9	’	’	PART
easat-8335	327	10	perceptions	perception	NOUN
easat-8335	327	11	of	of	ADP
easat-8335	327	12	security	security	NOUN
easat-8335	327	13	and	and	CCONJ
easat-8335	327	14	trust	trust	NOUN
easat-8335	327	15	in	in	ADP
easat-8335	327	16	epayment	epayment	NOUN
easat-8335	327	17	systems	system	NOUN
easat-8335	327	18	,	,	PUNCT
easat-8335	327	19	"	"	PUNCT
easat-8335	327	20	electronic	electronic	ADJ
easat-8335	327	21	commerce	commerce	NOUN
easat-8335	327	22	research	research	NOUN
easat-8335	327	23	and	and	CCONJ
easat-8335	327	24	applications	application	NOUN
easat-8335	327	25	,	,	PUNCT
easat-8335	327	26	vol	vol	NOUN
easat-8335	327	27	.	.	PROPN
easat-8335	328	1	9	9	NUM
easat-8335	328	2	,	,	PUNCT
easat-8335	328	3	no	no	INTJ
easat-8335	328	4	.	.	NOUN
easat-8335	328	5	1	1	NUM
easat-8335	328	6	,	,	PUNCT
easat-8335	328	7	pp	pp	ADJ
easat-8335	328	8	.	.	PUNCT
easat-8335	329	1	84	84	NUM
easat-8335	329	2	-	-	SYM
easat-8335	329	3	95	95	NUM
easat-8335	329	4	,	,	PUNCT
easat-8335	329	5	2010	2010	NUM
easat-8335	329	6	.	.	PUNCT
easat-8335	330	1	https://doi.org/10.1016/j.elerap.2009.04.014	https://doi.org/10.1016/j.elerap.2009.04.014	PROPN
easat-8335	330	2	[	[	X
easat-8335	330	3	27	27	NUM
easat-8335	330	4	]	]	PUNCT
easat-8335	330	5	w.	w.	PROPN
easat-8335	330	6	ming‐yen	ming‐yen	PROPN
easat-8335	330	7	teoh	teoh	PROPN
easat-8335	330	8	,	,	PUNCT
easat-8335	330	9	s.	s.	PROPN
easat-8335	330	10	choy	choy	PROPN
easat-8335	330	11	chong	chong	PROPN
easat-8335	330	12	,	,	PUNCT
easat-8335	330	13	b.	b.	PROPN
easat-8335	330	14	lin	lin	PROPN
easat-8335	330	15	,	,	PUNCT
easat-8335	330	16	and	and	CCONJ
easat-8335	330	17	j.	j.	PROPN
easat-8335	330	18	wei	wei	PROPN
easat-8335	330	19	chua	chua	PROPN
easat-8335	330	20	,	,	PUNCT
easat-8335	330	21	"	"	PUNCT
easat-8335	330	22	factors	factor	NOUN
easat-8335	330	23	affecting	affect	VERB
easat-8335	330	24	consumers	consumer	NOUN
easat-8335	330	25	’	’	PART
easat-8335	330	26	perception	perception	NOUN
easat-8335	330	27	of	of	ADP
easat-8335	330	28	electronic	electronic	ADJ
easat-8335	330	29	payment	payment	NOUN
easat-8335	330	30	:	:	PUNCT
easat-8335	330	31	an	an	DET
easat-8335	330	32	empirical	empirical	ADJ
easat-8335	330	33	analysis	analysis	NOUN
easat-8335	330	34	,	,	PUNCT
easat-8335	330	35	"	"	PUNCT
easat-8335	330	36	internet	internet	NOUN
easat-8335	330	37	research	research	NOUN
easat-8335	330	38	,	,	PUNCT
easat-8335	330	39	vol	vol	NOUN
easat-8335	330	40	.	.	PROPN
easat-8335	330	41	23	23	NUM
easat-8335	330	42	,	,	PUNCT
easat-8335	330	43	no	no	INTJ
easat-8335	330	44	.	.	NOUN
easat-8335	330	45	4	4	NUM
easat-8335	330	46	,	,	PUNCT
easat-8335	330	47	pp	pp	ADJ
easat-8335	330	48	.	.	PUNCT
easat-8335	331	1	465	465	NUM
easat-8335	331	2	-	-	SYM
easat-8335	331	3	485	485	NUM
easat-8335	331	4	,	,	PUNCT
easat-8335	331	5	2013	2013	NUM
easat-8335	331	6	.	.	PUNCT
easat-8335	332	1	https://doi.org/10.1108/intr09-2012-0199	https://doi.org/10.1108/intr09-2012-0199	VERB
easat-8335	333	1	[	[	X
easat-8335	333	2	28	28	NUM
easat-8335	333	3	]	]	PUNCT
easat-8335	333	4	p.	p.	NOUN
easat-8335	333	5	kanojia	kanojia	PROPN
easat-8335	333	6	and	and	CCONJ
easat-8335	333	7	m.	m.	PROPN
easat-8335	333	8	lal	lal	PROPN
easat-8335	333	9	,	,	PUNCT
easat-8335	333	10	impact	impact	NOUN
easat-8335	333	11	of	of	ADP
easat-8335	333	12	trust	trust	NOUN
easat-8335	333	13	on	on	ADP
easat-8335	333	14	customer	customer	NOUN
easat-8335	333	15	adoption	adoption	NOUN
easat-8335	333	16	of	of	ADP
easat-8335	333	17	digital	digital	ADJ
easat-8335	333	18	payment	payment	NOUN
easat-8335	333	19	systems	system	NOUN
easat-8335	333	20	(	(	PUNCT
easat-8335	333	21	impact	impact	NOUN
easat-8335	333	22	of	of	ADP
easat-8335	333	23	mobile	mobile	ADJ
easat-8335	333	24	payment	payment	NOUN
easat-8335	333	25	applications	application	NOUN
easat-8335	333	26	and	and	CCONJ
easat-8335	333	27	transfers	transfer	NOUN
easat-8335	333	28	on	on	ADP
easat-8335	333	29	business	business	NOUN
easat-8335	333	30	)	)	PUNCT
easat-8335	333	31	.	.	PUNCT
easat-8335	334	1	igi	igi	PROPN
easat-8335	334	2	global	global	PROPN
easat-8335	334	3	.	.	PUNCT
easat-8335	335	1	https://doi.org/10.4018/978-1-7998-2398-8.ch002	https://doi.org/10.4018/978-1-7998-2398-8.ch002	PROPN
easat-8335	335	2	,	,	PUNCT
easat-8335	335	3	2020	2020	NUM
easat-8335	335	4	.	.	PUNCT
easat-8335	336	1	https://doi.org/10.2307/41410412	https://doi.org/10.2307/41410412	X
easat-8335	337	1	https://doi.org/10.2307/30036519	https://doi.org/10.2307/30036519	X
easat-8335	337	2	https://doi.org/10.2478/eoik-2023-0003	https://doi.org/10.2478/eoik-2023-0003	NOUN
easat-8335	337	3	https://doi.org/10.2307/249008	https://doi.org/10.2307/249008	X
easat-8335	337	4	https://doi.org/10.1287/mnsc.35.8.982	https://doi.org/10.1287/mnsc.35.8.982	PROPN
easat-8335	337	5	https://doi.org/10.1016/j.tele.2015.09.005	https://doi.org/10.1016/j.tele.2015.09.005	PROPN
easat-8335	337	6	https://doi.org/10.1108/jeim-04-2015-0035	https://doi.org/10.1108/jeim-04-2015-0035	ADJ
easat-8335	337	7	https://doi.org/10.1287/mnsc.46.2.186.11926	https://doi.org/10.1287/mnsc.46.2.186.11926	NOUN
easat-8335	337	8	https://doi.org/10.1016/j.ijinfomgt.2013.06.002	https://doi.org/10.1016/j.ijinfomgt.2013.06.002	NOUN
easat-8335	337	9	https://doi.org/10.1016/j.tele.2014.05.003	https://doi.org/10.1016/j.tele.2014.05.003	NOUN
easat-8335	337	10	https://doi.org/10.1080/10864415.2003.11044275	https://doi.org/10.1080/10864415.2003.11044275	PROPN
easat-8335	337	11	https://doi.org/10.1016/j.chb.2016.03.030	https://doi.org/10.1016/j.chb.2016.03.030	PROPN
easat-8335	337	12	https://doi.org/10.1016/j.tourman.2010.01.011	https://doi.org/10.1016/j.tourman.2010.01.011	NUM
easat-8335	337	13	https://doi.org/10.1016/j.elerap.2009.04.014	https://doi.org/10.1016/j.elerap.2009.04.014	PROPN
easat-8335	337	14	https://doi.org/10.1108/intr-09-2012-0199	https://doi.org/10.1108/intr-09-2012-0199	PROPN
easat-8335	337	15	https://doi.org/10.1108/intr-09-2012-0199	https://doi.org/10.1108/intr-09-2012-0199	NOUN
easat-8335	337	16	https://doi.org/10.4018/978-1-7998-2398-8.ch002	https://doi.org/10.4018/978-1-7998-2398-8.ch002	PROPN
easat-8335	337	17	2202	2202	NUM
easat-8335	337	18	edelweiss	edelweiss	PROPN
easat-8335	337	19	applied	apply	VERB
easat-8335	337	20	science	science	NOUN
easat-8335	337	21	and	and	CCONJ
easat-8335	337	22	technology	technology	NOUN
easat-8335	337	23	issn	issn	PROPN
easat-8335	337	24	:	:	PUNCT
easat-8335	337	25	2576	2576	NUM
easat-8335	337	26	-	-	SYM
easat-8335	337	27	8484	8484	NUM
easat-8335	337	28	vol	vol	NOUN
easat-8335	337	29	.	.	PROPN
easat-8335	338	1	9	9	NUM
easat-8335	338	2	,	,	PUNCT
easat-8335	338	3	no	no	INTJ
easat-8335	338	4	.	.	NOUN
easat-8335	338	5	6	6	NUM
easat-8335	338	6	:	:	SYM
easat-8335	338	7	2191	2191	NUM
easat-8335	338	8	-	-	SYM
easat-8335	338	9	2202	2202	NUM
easat-8335	338	10	,	,	PUNCT
easat-8335	338	11	2025	2025	NUM
easat-8335	338	12	doi	doi	NOUN
easat-8335	338	13	:	:	PUNCT
easat-8335	339	1	10.55214/25768484.v9i6.8335	10.55214/25768484.v9i6.8335	NUM
easat-8335	339	2	©	©	PROPN
easat-8335	339	3	2025	2025	NUM
easat-8335	339	4	by	by	ADP
easat-8335	339	5	the	the	DET
easat-8335	339	6	authors	author	NOUN
easat-8335	339	7	;	;	PUNCT
easat-8335	340	1	licensee	licensee	PROPN
easat-8335	340	2	learning	learning	NOUN
easat-8335	340	3	gate	gate	NOUN
easat-8335	341	1	[	[	X
easat-8335	341	2	29	29	NUM
easat-8335	341	3	]	]	PUNCT
easat-8335	341	4	t.	t.	PROPN
easat-8335	341	5	zhou	zhou	PROPN
easat-8335	341	6	,	,	PUNCT
easat-8335	341	7	"	"	PUNCT
easat-8335	341	8	understanding	understand	VERB
easat-8335	341	9	online	online	ADJ
easat-8335	341	10	community	community	NOUN
easat-8335	341	11	user	user	NOUN
easat-8335	341	12	participation	participation	NOUN
easat-8335	341	13	:	:	PUNCT
easat-8335	341	14	a	a	DET
easat-8335	341	15	social	social	ADJ
easat-8335	341	16	influence	influence	NOUN
easat-8335	341	17	perspective	perspective	NOUN
easat-8335	341	18	,	,	PUNCT
easat-8335	341	19	"	"	PUNCT
easat-8335	341	20	internet	internet	NOUN
easat-8335	341	21	research	research	NOUN
easat-8335	341	22	,	,	PUNCT
easat-8335	341	23	vol	vol	NOUN
easat-8335	341	24	.	.	PROPN
easat-8335	341	25	21	21	NUM
easat-8335	341	26	,	,	PUNCT
easat-8335	341	27	no	no	INTJ
easat-8335	341	28	.	.	NOUN
easat-8335	341	29	1	1	NUM
easat-8335	341	30	,	,	PUNCT
easat-8335	341	31	pp	pp	ADJ
easat-8335	341	32	.	.	PUNCT
easat-8335	341	33	67	67	NUM
easat-8335	341	34	-	-	SYM
easat-8335	341	35	81	81	NUM
easat-8335	341	36	,	,	PUNCT
easat-8335	341	37	2011	2011	NUM
easat-8335	341	38	.	.	PUNCT
easat-8335	342	1	https://doi.org/10.1108/10662241111104884	https://doi.org/10.1108/10662241111104884	PRON
easat-8335	343	1	[	[	X
easat-8335	343	2	30	30	NUM
easat-8335	343	3	]	]	X
easat-8335	343	4	v.	v.	X
easat-8335	343	5	venkatesh	venkatesh	PROPN
easat-8335	343	6	,	,	PUNCT
easat-8335	343	7	m.	m.	NOUN
easat-8335	343	8	g.	g.	PROPN
easat-8335	343	9	morris	morris	PROPN
easat-8335	343	10	,	,	PUNCT
easat-8335	343	11	g.	g.	PROPN
easat-8335	343	12	b.	b.	PROPN
easat-8335	343	13	davis	davis	PROPN
easat-8335	343	14	,	,	PUNCT
easat-8335	343	15	and	and	CCONJ
easat-8335	343	16	f.	f.	PROPN
easat-8335	343	17	d.	d.	PROPN
easat-8335	343	18	davis	davis	PROPN
easat-8335	343	19	,	,	PUNCT
easat-8335	343	20	"	"	PUNCT
easat-8335	343	21	user	user	NOUN
easat-8335	343	22	acceptance	acceptance	NOUN
easat-8335	343	23	of	of	ADP
easat-8335	343	24	information	information	NOUN
easat-8335	343	25	technology	technology	NOUN
easat-8335	343	26	:	:	PUNCT
easat-8335	343	27	toward	toward	ADP
easat-8335	343	28	a	a	DET
easat-8335	343	29	unified	unified	ADJ
easat-8335	343	30	view	view	NOUN
easat-8335	343	31	,	,	PUNCT
easat-8335	343	32	"	"	PUNCT
easat-8335	343	33	mis	mis	PROPN
easat-8335	343	34	quarterly	quarterly	ADJ
easat-8335	343	35	,	,	PUNCT
easat-8335	343	36	vol	vol	NOUN
easat-8335	343	37	.	.	PROPN
easat-8335	343	38	27	27	NUM
easat-8335	343	39	,	,	PUNCT
easat-8335	343	40	no	no	INTJ
easat-8335	343	41	.	.	NOUN
easat-8335	343	42	3	3	NUM
easat-8335	343	43	,	,	PUNCT
easat-8335	343	44	pp	pp	ADJ
easat-8335	343	45	.	.	PUNCT
easat-8335	344	1	425	425	NUM
easat-8335	344	2	-	-	SYM
easat-8335	344	3	478	478	NUM
easat-8335	344	4	,	,	PUNCT
easat-8335	344	5	2003	2003	NUM
easat-8335	344	6	.	.	PUNCT
easat-8335	345	1	https://doi.org/10.2307/30036540	https://doi.org/10.2307/30036540	X
easat-8335	346	1	[	[	X
easat-8335	346	2	31	31	NUM
easat-8335	346	3	]	]	PUNCT
easat-8335	346	4	m.	m.	NOUN
easat-8335	346	5	s.	s.	PROPN
easat-8335	346	6	featherman	featherman	PROPN
easat-8335	346	7	and	and	CCONJ
easat-8335	346	8	p.	p.	NOUN
easat-8335	346	9	a.	a.	NOUN
easat-8335	346	10	pavlou	pavlou	PROPN
easat-8335	346	11	,	,	PUNCT
easat-8335	346	12	"	"	PUNCT
easat-8335	346	13	predicting	predict	VERB
easat-8335	346	14	e	e	NOUN
easat-8335	346	15	-	-	ADJ
easat-8335	346	16	services	service	NOUN
easat-8335	346	17	adoption	adoption	NOUN
easat-8335	346	18	:	:	PUNCT
easat-8335	346	19	a	a	DET
easat-8335	346	20	perceived	perceive	VERB
easat-8335	346	21	risk	risk	NOUN
easat-8335	346	22	facets	facet	NOUN
easat-8335	346	23	perspective	perspective	NOUN
easat-8335	346	24	,	,	PUNCT
easat-8335	346	25	"	"	PUNCT
easat-8335	346	26	international	international	ADJ
easat-8335	346	27	journal	journal	NOUN
easat-8335	346	28	of	of	ADP
easat-8335	346	29	human	human	ADJ
easat-8335	346	30	-	-	PUNCT
easat-8335	346	31	computer	computer	NOUN
easat-8335	346	32	studies	study	NOUN
easat-8335	346	33	,	,	PUNCT
easat-8335	346	34	vol	vol	NOUN
easat-8335	346	35	.	.	PROPN
easat-8335	346	36	59	59	NUM
easat-8335	346	37	,	,	PUNCT
easat-8335	346	38	no	no	INTJ
easat-8335	346	39	.	.	NOUN
easat-8335	346	40	4	4	NUM
easat-8335	346	41	,	,	PUNCT
easat-8335	346	42	pp	pp	ADJ
easat-8335	346	43	.	.	PUNCT
easat-8335	347	1	451	451	NUM
easat-8335	347	2	-	-	PUNCT
easat-8335	347	3	474	474	NUM
easat-8335	347	4	,	,	PUNCT
easat-8335	347	5	2003	2003	NUM
easat-8335	347	6	.	.	PUNCT
easat-8335	348	1	https://doi.org/10.1016/s1071-5819(03)001113	https://doi.org/10.1016/s1071-5819(03)001113	PUNCT
easat-8335	349	1	[	[	X
easat-8335	349	2	32	32	NUM
easat-8335	349	3	]	]	PUNCT
easat-8335	349	4	s.	s.	PROPN
easat-8335	349	5	gupta	gupta	PROPN
easat-8335	349	6	and	and	CCONJ
easat-8335	349	7	a.	a.	PROPN
easat-8335	349	8	arora	arora	PROPN
easat-8335	349	9	,	,	PUNCT
easat-8335	349	10	"	"	PUNCT
easat-8335	349	11	adoption	adoption	NOUN
easat-8335	349	12	of	of	ADP
easat-8335	349	13	mobile	mobile	ADJ
easat-8335	349	14	payment	payment	NOUN
easat-8335	349	15	technology	technology	NOUN
easat-8335	349	16	:	:	PUNCT
easat-8335	349	17	a	a	DET
easat-8335	349	18	literature	literature	NOUN
easat-8335	349	19	review	review	NOUN
easat-8335	349	20	,	,	PUNCT
easat-8335	349	21	"	"	PUNCT
easat-8335	349	22	international	international	ADJ
easat-8335	349	23	journal	journal	NOUN
easat-8335	349	24	of	of	ADP
easat-8335	349	25	financial	financial	ADJ
easat-8335	349	26	technology	technology	NOUN
easat-8335	349	27	,	,	PUNCT
easat-8335	349	28	vol	vol	NOUN
easat-8335	349	29	.	.	PROPN
easat-8335	350	1	3	3	NUM
easat-8335	350	2	,	,	PUNCT
easat-8335	350	3	no	no	INTJ
easat-8335	350	4	.	.	NOUN
easat-8335	350	5	2	2	NUM
easat-8335	350	6	,	,	PUNCT
easat-8335	350	7	pp	pp	ADJ
easat-8335	350	8	.	.	PUNCT
easat-8335	351	1	29–45	29–45	NUM
easat-8335	351	2	,	,	PUNCT
easat-8335	351	3	2017	2017	NUM
easat-8335	351	4	.	.	PUNCT
easat-8335	352	1	[	[	X
easat-8335	352	2	33	33	NUM
easat-8335	352	3	]	]	PUNCT
easat-8335	352	4	a.	a.	NOUN
easat-8335	352	5	yadu	yadu	NOUN
easat-8335	352	6	and	and	CCONJ
easat-8335	352	7	v.	v.	ADP
easat-8335	352	8	sharma	sharma	PROPN
easat-8335	352	9	,	,	PUNCT
easat-8335	352	10	"	"	PUNCT
easat-8335	352	11	security	security	NOUN
easat-8335	352	12	issues	issue	NOUN
easat-8335	352	13	and	and	CCONJ
easat-8335	352	14	solutions	solution	NOUN
easat-8335	352	15	in	in	ADP
easat-8335	352	16	e	e	NOUN
easat-8335	352	17	-	-	NOUN
easat-8335	352	18	payment	payment	NOUN
easat-8335	352	19	systems	system	NOUN
easat-8335	352	20	,	,	PUNCT
easat-8335	352	21	"	"	PUNCT
easat-8335	352	22	international	international	ADJ
easat-8335	352	23	journal	journal	NOUN
easat-8335	352	24	of	of	ADP
easat-8335	352	25	advance	advance	NOUN
easat-8335	352	26	research	research	NOUN
easat-8335	352	27	in	in	ADP
easat-8335	352	28	computer	computer	NOUN
easat-8335	352	29	science	science	NOUN
easat-8335	352	30	and	and	CCONJ
easat-8335	352	31	management	management	NOUN
easat-8335	352	32	studies	study	NOUN
easat-8335	352	33	,	,	PUNCT
easat-8335	352	34	vol	vol	NOUN
easat-8335	352	35	.	.	PROPN
easat-8335	352	36	9	9	NUM
easat-8335	352	37	,	,	PUNCT
easat-8335	352	38	no	no	INTJ
easat-8335	352	39	.	.	NOUN
easat-8335	352	40	7	7	NUM
easat-8335	352	41	,	,	PUNCT
easat-8335	352	42	pp	pp	ADJ
easat-8335	352	43	.	.	PUNCT
easat-8335	353	1	9–14	9–14	PROPN
easat-8335	353	2	,	,	PUNCT
easat-8335	353	3	2021	2021	NUM
easat-8335	353	4	.	.	PUNCT
easat-8335	354	1	[	[	X
easat-8335	354	2	34	34	NUM
easat-8335	354	3	]	]	X
easat-8335	354	4	t.	t.	NOUN
easat-8335	354	5	tsiakis	tsiakis	PROPN
easat-8335	354	6	and	and	CCONJ
easat-8335	354	7	g.	g.	PROPN
easat-8335	354	8	sthephanides	sthephanides	PROPN
easat-8335	354	9	,	,	PUNCT
easat-8335	354	10	"	"	PUNCT
easat-8335	354	11	the	the	DET
easat-8335	354	12	concept	concept	NOUN
easat-8335	354	13	of	of	ADP
easat-8335	354	14	security	security	NOUN
easat-8335	354	15	and	and	CCONJ
easat-8335	354	16	trust	trust	NOUN
easat-8335	354	17	in	in	ADP
easat-8335	354	18	electronic	electronic	ADJ
easat-8335	354	19	payments	payment	NOUN
easat-8335	354	20	,	,	PUNCT
easat-8335	354	21	"	"	PUNCT
easat-8335	354	22	computers	computer	NOUN
easat-8335	354	23	&	&	CCONJ
easat-8335	354	24	security	security	NOUN
easat-8335	354	25	,	,	PUNCT
easat-8335	354	26	vol	vol	NOUN
easat-8335	354	27	.	.	PROPN
easat-8335	354	28	24	24	NUM
easat-8335	354	29	,	,	PUNCT
easat-8335	354	30	no	no	INTJ
easat-8335	354	31	.	.	NOUN
easat-8335	354	32	1	1	NUM
easat-8335	354	33	,	,	PUNCT
easat-8335	354	34	pp	pp	ADJ
easat-8335	354	35	.	.	PUNCT
easat-8335	354	36	10	10	NUM
easat-8335	354	37	-	-	SYM
easat-8335	354	38	15	15	NUM
easat-8335	354	39	,	,	PUNCT
easat-8335	354	40	2005	2005	NUM
easat-8335	354	41	.	.	PUNCT
easat-8335	355	1	https://doi.org/10.1016/j.cose.2004.11.001	https://doi.org/10.1016/j.cose.2004.11.001	PRON
easat-8335	356	1	[	[	X
easat-8335	356	2	35	35	NUM
easat-8335	356	3	]	]	PUNCT
easat-8335	356	4	a.	a.	NOUN
easat-8335	356	5	susanto	susanto	NOUN
easat-8335	356	6	,	,	PUNCT
easat-8335	356	7	y.	y.	PROPN
easat-8335	356	8	chang	chang	PROPN
easat-8335	356	9	,	,	PUNCT
easat-8335	356	10	and	and	CCONJ
easat-8335	356	11	y.	y.	PROPN
easat-8335	356	12	ha	ha	INTJ
easat-8335	356	13	,	,	PUNCT
easat-8335	356	14	"	"	PUNCT
easat-8335	356	15	determinants	determinant	NOUN
easat-8335	356	16	of	of	ADP
easat-8335	356	17	continuance	continuance	NOUN
easat-8335	356	18	intention	intention	NOUN
easat-8335	356	19	to	to	PART
easat-8335	356	20	use	use	VERB
easat-8335	356	21	the	the	DET
easat-8335	356	22	smartphone	smartphone	NOUN
easat-8335	356	23	banking	banking	NOUN
easat-8335	356	24	services	service	NOUN
easat-8335	356	25	:	:	PUNCT
easat-8335	356	26	an	an	DET
easat-8335	356	27	extension	extension	NOUN
easat-8335	356	28	to	to	ADP
easat-8335	356	29	the	the	DET
easat-8335	356	30	expectation	expectation	NOUN
easat-8335	356	31	-	-	PUNCT
easat-8335	356	32	confirmation	confirmation	NOUN
easat-8335	356	33	model	model	NOUN
easat-8335	356	34	,	,	PUNCT
easat-8335	356	35	"	"	PUNCT
easat-8335	356	36	industrial	industrial	ADJ
easat-8335	356	37	management	management	NOUN
easat-8335	356	38	&	&	CCONJ
easat-8335	356	39	data	datum	NOUN
easat-8335	356	40	systems	system	NOUN
easat-8335	356	41	,	,	PUNCT
easat-8335	356	42	vol	vol	NOUN
easat-8335	356	43	.	.	PROPN
easat-8335	356	44	116	116	NUM
easat-8335	356	45	,	,	PUNCT
easat-8335	356	46	no	no	INTJ
easat-8335	356	47	.	.	NOUN
easat-8335	356	48	3	3	NUM
easat-8335	356	49	,	,	PUNCT
easat-8335	356	50	pp	pp	ADJ
easat-8335	356	51	.	.	PUNCT
easat-8335	357	1	508	508	NUM
easat-8335	357	2	-	-	SYM
easat-8335	357	3	525	525	NUM
easat-8335	357	4	,	,	PUNCT
easat-8335	357	5	2016	2016	NUM
easat-8335	357	6	.	.	PUNCT
easat-8335	358	1	https://doi.org/10.1108/imds-05-2015-0195	https://doi.org/10.1108/imds-05-2015-0195	PROPN
easat-8335	358	2	[	[	X
easat-8335	358	3	36	36	NUM
easat-8335	358	4	]	]	X
easat-8335	358	5	m.-c	m.-c	PROPN
easat-8335	358	6	.	.	PUNCT
easat-8335	359	1	lee	lee	PROPN
easat-8335	359	2	,	,	PUNCT
easat-8335	359	3	"	"	PUNCT
easat-8335	359	4	factors	factor	NOUN
easat-8335	359	5	influencing	influence	VERB
easat-8335	359	6	the	the	DET
easat-8335	359	7	adoption	adoption	NOUN
easat-8335	359	8	of	of	ADP
easat-8335	359	9	internet	internet	NOUN
easat-8335	359	10	banking	banking	NOUN
easat-8335	359	11	:	:	PUNCT
easat-8335	359	12	an	an	DET
easat-8335	359	13	integration	integration	NOUN
easat-8335	359	14	of	of	ADP
easat-8335	359	15	tam	tam	PROPN
easat-8335	359	16	and	and	CCONJ
easat-8335	359	17	tpb	tpb	NOUN
easat-8335	359	18	,	,	PUNCT
easat-8335	359	19	"	"	PUNCT
easat-8335	359	20	computers	computer	NOUN
easat-8335	359	21	in	in	ADP
easat-8335	359	22	human	human	ADJ
easat-8335	359	23	behavior	behavior	NOUN
easat-8335	359	24	,	,	PUNCT
easat-8335	359	25	vol	vol	NOUN
easat-8335	359	26	.	.	PROPN
easat-8335	360	1	26	26	NUM
easat-8335	360	2	,	,	PUNCT
easat-8335	360	3	no	no	INTJ
easat-8335	360	4	.	.	NOUN
easat-8335	360	5	2	2	NUM
easat-8335	360	6	,	,	PUNCT
easat-8335	360	7	pp	pp	ADJ
easat-8335	360	8	.	.	PUNCT
easat-8335	361	1	372–384	372–384	NUM
easat-8335	361	2	,	,	PUNCT
easat-8335	361	3	2009	2009	NUM
easat-8335	361	4	.	.	PUNCT
easat-8335	362	1	[	[	X
easat-8335	362	2	37	37	NUM
easat-8335	362	3	]	]	PUNCT
easat-8335	362	4	k.	k.	PROPN
easat-8335	362	5	madan	madan	PROPN
easat-8335	362	6	and	and	CCONJ
easat-8335	362	7	r.	r.	PROPN
easat-8335	362	8	yadav	yadav	PROPN
easat-8335	362	9	,	,	PUNCT
easat-8335	362	10	"	"	PUNCT
easat-8335	362	11	behavioural	behavioural	ADJ
easat-8335	362	12	intention	intention	NOUN
easat-8335	362	13	to	to	PART
easat-8335	362	14	adopt	adopt	VERB
easat-8335	362	15	mobile	mobile	ADJ
easat-8335	362	16	wallet	wallet	NOUN
easat-8335	362	17	:	:	PUNCT
easat-8335	362	18	a	a	DET
easat-8335	362	19	developing	develop	VERB
easat-8335	362	20	country	country	NOUN
easat-8335	362	21	perspective	perspective	NOUN
easat-8335	362	22	,	,	PUNCT
easat-8335	362	23	"	"	PUNCT
easat-8335	362	24	journal	journal	NOUN
easat-8335	362	25	of	of	ADP
easat-8335	362	26	indian	indian	PROPN
easat-8335	362	27	business	business	NOUN
easat-8335	362	28	research	research	NOUN
easat-8335	362	29	,	,	PUNCT
easat-8335	362	30	vol	vol	NOUN
easat-8335	362	31	.	.	PROPN
easat-8335	362	32	8	8	NUM
easat-8335	362	33	,	,	PUNCT
easat-8335	362	34	no	no	INTJ
easat-8335	362	35	.	.	NOUN
easat-8335	362	36	3	3	NUM
easat-8335	362	37	,	,	PUNCT
easat-8335	362	38	pp	pp	ADJ
easat-8335	362	39	.	.	PUNCT
easat-8335	363	1	227	227	NUM
easat-8335	363	2	-	-	SYM
easat-8335	363	3	244	244	NUM
easat-8335	363	4	,	,	PUNCT
easat-8335	363	5	2016	2016	NUM
easat-8335	363	6	.	.	PUNCT
easat-8335	364	1	https://doi.org/10.1108/jibr-10-2015-0112	https://doi.org/10.1108/jibr-10-2015-0112	PROPN
easat-8335	365	1	[	[	X
easat-8335	365	2	38	38	NUM
easat-8335	365	3	]	]	PUNCT
easat-8335	365	4	g.	g.	PROPN
easat-8335	365	5	cepeda	cepeda	PROPN
easat-8335	365	6	-	-	PUNCT
easat-8335	365	7	carrion	carrion	PROPN
easat-8335	365	8	,	,	PUNCT
easat-8335	365	9	j.-g	j.-g	PROPN
easat-8335	365	10	.	.	PUNCT
easat-8335	366	1	cegarra	cegarra	PROPN
easat-8335	366	2	-	-	PUNCT
easat-8335	366	3	navarro	navarro	PROPN
easat-8335	366	4	,	,	PUNCT
easat-8335	366	5	and	and	CCONJ
easat-8335	366	6	v.	v.	ADP
easat-8335	366	7	cillo	cillo	PROPN
easat-8335	366	8	,	,	PUNCT
easat-8335	366	9	"	"	PUNCT
easat-8335	366	10	tips	tip	NOUN
easat-8335	366	11	to	to	PART
easat-8335	366	12	use	use	VERB
easat-8335	366	13	partial	partial	ADJ
easat-8335	366	14	least	least	ADJ
easat-8335	366	15	squares	square	NOUN
easat-8335	366	16	structural	structural	ADJ
easat-8335	366	17	equation	equation	NOUN
easat-8335	366	18	modelling	modelling	NOUN
easat-8335	366	19	(	(	PUNCT
easat-8335	366	20	pls	pls	NOUN
easat-8335	366	21	-	-	PUNCT
easat-8335	366	22	sem	sem	NOUN
easat-8335	366	23	)	)	PUNCT
easat-8335	366	24	in	in	ADP
easat-8335	366	25	knowledge	knowledge	NOUN
easat-8335	366	26	management	management	NOUN
easat-8335	366	27	,	,	PUNCT
easat-8335	366	28	"	"	PUNCT
easat-8335	366	29	journal	journal	NOUN
easat-8335	366	30	of	of	ADP
easat-8335	366	31	knowledge	knowledge	PROPN
easat-8335	366	32	management	management	PROPN
easat-8335	366	33	,	,	PUNCT
easat-8335	366	34	vol	vol	NOUN
easat-8335	366	35	.	.	PROPN
easat-8335	366	36	23	23	NUM
easat-8335	366	37	,	,	PUNCT
easat-8335	366	38	no	no	INTJ
easat-8335	366	39	.	.	NOUN
easat-8335	366	40	1	1	NUM
easat-8335	366	41	,	,	PUNCT
easat-8335	366	42	pp	pp	ADJ
easat-8335	366	43	.	.	PUNCT
easat-8335	367	1	67	67	NUM
easat-8335	367	2	-	-	SYM
easat-8335	367	3	89	89	NUM
easat-8335	367	4	,	,	PUNCT
easat-8335	367	5	2019	2019	NUM
easat-8335	367	6	.	.	PUNCT
easat-8335	368	1	https://doi.org/10.1108/jkm-05-2018-0322	https://doi.org/10.1108/jkm-05-2018-0322	PROPN
easat-8335	369	1	[	[	X
easat-8335	369	2	39	39	NUM
easat-8335	369	3	]	]	PUNCT
easat-8335	369	4	d.	d.	PROPN
easat-8335	369	5	x.	x.	PROPN
easat-8335	369	6	peng	peng	PROPN
easat-8335	369	7	and	and	CCONJ
easat-8335	369	8	f.	f.	PROPN
easat-8335	369	9	lai	lai	PROPN
easat-8335	369	10	,	,	PUNCT
easat-8335	369	11	"	"	PUNCT
easat-8335	369	12	using	use	VERB
easat-8335	369	13	partial	partial	ADJ
easat-8335	369	14	least	least	ADJ
easat-8335	369	15	squares	square	NOUN
easat-8335	369	16	in	in	ADP
easat-8335	369	17	operations	operation	NOUN
easat-8335	369	18	management	management	NOUN
easat-8335	369	19	research	research	NOUN
easat-8335	369	20	:	:	PUNCT
easat-8335	369	21	a	a	DET
easat-8335	369	22	practical	practical	ADJ
easat-8335	369	23	guideline	guideline	NOUN
easat-8335	369	24	and	and	CCONJ
easat-8335	369	25	summary	summary	NOUN
easat-8335	369	26	of	of	ADP
easat-8335	369	27	past	past	ADJ
easat-8335	369	28	research	research	NOUN
easat-8335	369	29	,	,	PUNCT
easat-8335	369	30	"	"	PUNCT
easat-8335	369	31	journal	journal	NOUN
easat-8335	369	32	of	of	ADP
easat-8335	369	33	operations	operation	NOUN
easat-8335	369	34	management	management	NOUN
easat-8335	369	35	,	,	PUNCT
easat-8335	369	36	vol	vol	NOUN
easat-8335	369	37	.	.	PROPN
easat-8335	369	38	30	30	NUM
easat-8335	369	39	,	,	PUNCT
easat-8335	369	40	no	no	INTJ
easat-8335	369	41	.	.	NOUN
easat-8335	369	42	6	6	NUM
easat-8335	369	43	,	,	PUNCT
easat-8335	369	44	pp	pp	ADJ
easat-8335	369	45	.	.	PUNCT
easat-8335	369	46	467	467	NUM
easat-8335	369	47	-	-	SYM
easat-8335	369	48	480	480	NUM
easat-8335	369	49	,	,	PUNCT
easat-8335	369	50	2012	2012	NUM
easat-8335	369	51	.	.	PUNCT
easat-8335	370	1	https://doi.org/10.1016/j.jom.2012.06.002	https://doi.org/10.1016/j.jom.2012.06.002	NOUN
easat-8335	371	1	[	[	X
easat-8335	371	2	40	40	NUM
easat-8335	371	3	]	]	PUNCT
easat-8335	371	4	h.	h.	PROPN
easat-8335	371	5	a.	a.	PROPN
easat-8335	371	6	elsaman	elsaman	PROPN
easat-8335	371	7	,	,	PUNCT
easat-8335	371	8	n.	n.	PROPN
easat-8335	371	9	el	el	PROPN
easat-8335	371	10	-	-	PROPN
easat-8335	371	11	bayaa	bayaa	NOUN
easat-8335	371	12	,	,	PUNCT
easat-8335	371	13	and	and	CCONJ
easat-8335	371	14	s.	s.	PROPN
easat-8335	371	15	kousihan	kousihan	PROPN
easat-8335	371	16	,	,	PUNCT
easat-8335	371	17	"	"	PUNCT
easat-8335	371	18	measuring	measure	VERB
easat-8335	371	19	and	and	CCONJ
easat-8335	371	20	validating	validate	VERB
easat-8335	371	21	the	the	DET
easat-8335	371	22	factors	factor	NOUN
easat-8335	371	23	influenced	influence	VERB
easat-8335	371	24	the	the	DET
easat-8335	371	25	sme	sme	PROPN
easat-8335	371	26	business	business	PROPN
easat-8335	371	27	growth	growth	NOUN
easat-8335	371	28	in	in	ADP
easat-8335	371	29	germany	germany	PROPN
easat-8335	371	30	—	—	PUNCT
easat-8335	371	31	descriptive	descriptive	ADJ
easat-8335	371	32	analysis	analysis	NOUN
easat-8335	371	33	and	and	CCONJ
easat-8335	371	34	construct	construct	VERB
easat-8335	371	35	validation	validation	NOUN
easat-8335	371	36	,	,	PUNCT
easat-8335	371	37	"	"	PUNCT
easat-8335	371	38	data	datum	NOUN
easat-8335	371	39	,	,	PUNCT
easat-8335	371	40	vol	vol	NOUN
easat-8335	371	41	.	.	PROPN
easat-8335	371	42	7	7	NUM
easat-8335	371	43	,	,	PUNCT
easat-8335	371	44	no	no	INTJ
easat-8335	371	45	.	.	NOUN
easat-8335	371	46	11	11	NUM
easat-8335	371	47	,	,	PUNCT
easat-8335	371	48	p.	p.	NOUN
easat-8335	371	49	158	158	NUM
easat-8335	371	50	,	,	PUNCT
easat-8335	371	51	2022	2022	NUM
easat-8335	371	52	.	.	PUNCT
easat-8335	372	1	https://doi.org/10.3390/data7110158	https://doi.org/10.3390/data7110158	PROPN
easat-8335	373	1	[	[	X
easat-8335	373	2	41	41	NUM
easat-8335	373	3	]	]	PUNCT
easat-8335	373	4	j.	j.	PROPN
easat-8335	373	5	f.	f.	PROPN
easat-8335	373	6	j.	j.	PROPN
easat-8335	373	7	hair	hair	PROPN
easat-8335	373	8	,	,	PUNCT
easat-8335	373	9	w.	w.	PROPN
easat-8335	373	10	c.	c.	PROPN
easat-8335	373	11	black	black	PROPN
easat-8335	373	12	,	,	PUNCT
easat-8335	373	13	and	and	CCONJ
easat-8335	373	14	b.	b.	PROPN
easat-8335	373	15	j.	j.	PROPN
easat-8335	373	16	babin	babin	PROPN
easat-8335	373	17	,	,	PUNCT
easat-8335	373	18	andreson	andreson	PROPN
easat-8335	373	19	,	,	PUNCT
easat-8335	373	20	r.e	r.e	PROPN
easat-8335	373	21	.	.	PROPN
easat-8335	373	22	multivariate	multivariate	PROPN
easat-8335	373	23	data	datum	NOUN
easat-8335	373	24	analysis	analysis	NOUN
easat-8335	373	25	,	,	PUNCT
easat-8335	373	26	7th	7th	ADJ
easat-8335	373	27	ed	ed	NOUN
easat-8335	373	28	.	.	PUNCT
easat-8335	374	1	edinburgh	edinburgh	PROPN
easat-8335	374	2	,	,	PUNCT
easat-8335	374	3	uk	uk	PROPN
easat-8335	374	4	:	:	PUNCT
easat-8335	374	5	pearson	pearson	PROPN
easat-8335	374	6	,	,	PUNCT
easat-8335	374	7	2014	2014	NUM
easat-8335	374	8	.	.	PUNCT
easat-8335	375	1	[	[	X
easat-8335	375	2	42	42	NUM
easat-8335	375	3	]	]	PUNCT
easat-8335	375	4	c.	c.	PROPN
easat-8335	375	5	fornell	fornell	PROPN
easat-8335	375	6	and	and	CCONJ
easat-8335	375	7	d.	d.	PROPN
easat-8335	375	8	f.	f.	PROPN
easat-8335	375	9	larcker	larcker	PROPN
easat-8335	375	10	,	,	PUNCT
easat-8335	375	11	"	"	PUNCT
easat-8335	375	12	evaluating	evaluate	VERB
easat-8335	375	13	structural	structural	ADJ
easat-8335	375	14	equation	equation	NOUN
easat-8335	375	15	models	model	NOUN
easat-8335	375	16	with	with	ADP
easat-8335	375	17	unobservable	unobservable	ADJ
easat-8335	375	18	variables	variable	NOUN
easat-8335	375	19	and	and	CCONJ
easat-8335	375	20	measurement	measurement	NOUN
easat-8335	375	21	error	error	NOUN
easat-8335	375	22	,	,	PUNCT
easat-8335	375	23	"	"	PUNCT
easat-8335	375	24	journal	journal	NOUN
easat-8335	375	25	of	of	ADP
easat-8335	375	26	marketing	marketing	NOUN
easat-8335	375	27	research	research	NOUN
easat-8335	375	28	,	,	PUNCT
easat-8335	375	29	vol	vol	NOUN
easat-8335	375	30	.	.	PROPN
easat-8335	375	31	18	18	NUM
easat-8335	375	32	,	,	PUNCT
easat-8335	375	33	no	no	INTJ
easat-8335	375	34	.	.	NOUN
easat-8335	375	35	1	1	NUM
easat-8335	375	36	,	,	PUNCT
easat-8335	375	37	pp	pp	ADJ
easat-8335	375	38	.	.	PUNCT
easat-8335	376	1	39	39	NUM
easat-8335	376	2	-	-	SYM
easat-8335	376	3	50	50	NUM
easat-8335	376	4	,	,	PUNCT
easat-8335	376	5	1981	1981	NUM
easat-8335	376	6	.	.	PUNCT
easat-8335	377	1	https://doi.org/10.2307/3151312	https://doi.org/10.2307/3151312	PROPN
easat-8335	378	1	[	[	X
easat-8335	378	2	43	43	NUM
easat-8335	378	3	]	]	X
easat-8335	378	4	h.	h.	PROPN
easat-8335	378	5	a.	a.	NOUN
easat-8335	378	6	elsaman	elsaman	PROPN
easat-8335	378	7	and	and	CCONJ
easat-8335	378	8	r.	r.	PROPN
easat-8335	378	9	p.	p.	PROPN
easat-8335	378	10	sergio	sergio	PROPN
easat-8335	378	11	,	,	PUNCT
easat-8335	378	12	"	"	PUNCT
easat-8335	378	13	the	the	DET
easat-8335	378	14	psychographics	psychographic	NOUN
easat-8335	378	15	of	of	ADP
easat-8335	378	16	green	green	ADJ
easat-8335	378	17	marketing	marketing	NOUN
easat-8335	378	18	strategy	strategy	NOUN
easat-8335	378	19	vis	vis	X
easat-8335	378	20	-	-	PUNCT
easat-8335	378	21	a	a	DET
easat-8335	378	22	-	-	PUNCT
easat-8335	378	23	vis	vis	X
easat-8335	378	24	corporate	corporate	ADJ
easat-8335	378	25	social	social	ADJ
easat-8335	378	26	responsibility	responsibility	NOUN
easat-8335	378	27	:	:	PUNCT
easat-8335	378	28	implications	implication	NOUN
easat-8335	378	29	to	to	ADP
easat-8335	378	30	organisational	organisational	ADJ
easat-8335	378	31	growth	growth	NOUN
easat-8335	378	32	,	,	PUNCT
easat-8335	378	33	"	"	PUNCT
easat-8335	378	34	international	international	ADJ
easat-8335	378	35	journal	journal	NOUN
easat-8335	378	36	of	of	ADP
easat-8335	378	37	entrepreneurship	entrepreneurship	NOUN
easat-8335	378	38	,	,	PUNCT
easat-8335	378	39	vol	vol	NOUN
easat-8335	378	40	.	.	PROPN
easat-8335	378	41	25	25	NUM
easat-8335	378	42	,	,	PUNCT
easat-8335	378	43	pp	pp	ADJ
easat-8335	378	44	.	.	PUNCT
easat-8335	379	1	1	1	NUM
easat-8335	379	2	-	-	SYM
easat-8335	379	3	11	11	NUM
easat-8335	379	4	,	,	PUNCT
easat-8335	379	5	2021	2021	NUM
easat-8335	379	6	.	.	PUNCT
easat-8335	380	1	[	[	X
easat-8335	380	2	44	44	NUM
easat-8335	380	3	]	]	PUNCT
easat-8335	380	4	e.	e.	PROPN
easat-8335	380	5	kline	kline	PROPN
easat-8335	380	6	et	et	PROPN
easat-8335	380	7	al	al	PROPN
easat-8335	380	8	.	.	PROPN
easat-8335	380	9	,	,	PUNCT
easat-8335	380	10	"	"	PUNCT
easat-8335	380	11	convergent	convergent	NOUN
easat-8335	380	12	and	and	CCONJ
easat-8335	380	13	discriminant	discriminant	ADJ
easat-8335	380	14	validity	validity	NOUN
easat-8335	380	15	of	of	ADP
easat-8335	380	16	attenuated	attenuate	VERB
easat-8335	380	17	psychosis	psychosis	NOUN
easat-8335	380	18	screening	screening	NOUN
easat-8335	380	19	tools	tool	NOUN
easat-8335	380	20	,	,	PUNCT
easat-8335	380	21	"	"	PUNCT
easat-8335	380	22	schizophrenia	schizophrenia	NOUN
easat-8335	380	23	research	research	NOUN
easat-8335	380	24	,	,	PUNCT
easat-8335	380	25	vol	vol	NOUN
easat-8335	380	26	.	.	PROPN
easat-8335	380	27	134	134	NUM
easat-8335	380	28	,	,	PUNCT
easat-8335	380	29	no	no	INTJ
easat-8335	380	30	.	.	NOUN
easat-8335	380	31	1	1	NUM
easat-8335	380	32	,	,	PUNCT
easat-8335	380	33	pp	pp	ADJ
easat-8335	380	34	.	.	PUNCT
easat-8335	380	35	49	49	NUM
easat-8335	380	36	-	-	SYM
easat-8335	380	37	53	53	NUM
easat-8335	380	38	,	,	PUNCT
easat-8335	380	39	2012	2012	NUM
easat-8335	380	40	.	.	PUNCT
easat-8335	381	1	[	[	X
easat-8335	381	2	45	45	NUM
easat-8335	381	3	]	]	PUNCT
easat-8335	381	4	a.	a.	NOUN
easat-8335	381	5	a.	a.	NOUN
easat-8335	381	6	shaikh	shaikh	PROPN
easat-8335	381	7	,	,	PUNCT
easat-8335	381	8	h.	h.	PROPN
easat-8335	381	9	karjaluoto	karjaluoto	PROPN
easat-8335	381	10	,	,	PUNCT
easat-8335	381	11	and	and	CCONJ
easat-8335	381	12	h.	h.	PROPN
easat-8335	381	13	p.	p.	PROPN
easat-8335	381	14	chin	chin	PROPN
easat-8335	381	15	,	,	PUNCT
easat-8335	381	16	"	"	PUNCT
easat-8335	381	17	exploring	explore	VERB
easat-8335	381	18	the	the	DET
easat-8335	381	19	role	role	NOUN
easat-8335	381	20	of	of	ADP
easat-8335	381	21	trust	trust	NOUN
easat-8335	381	22	in	in	ADP
easat-8335	381	23	mobile	mobile	ADJ
easat-8335	381	24	payment	payment	NOUN
easat-8335	381	25	adoption	adoption	NOUN
easat-8335	381	26	,	,	PUNCT
easat-8335	381	27	"	"	PUNCT
easat-8335	381	28	journal	journal	NOUN
easat-8335	381	29	of	of	ADP
easat-8335	381	30	digital	digital	ADJ
easat-8335	381	31	finance	finance	NOUN
easat-8335	381	32	,	,	PUNCT
easat-8335	381	33	vol	vol	NOUN
easat-8335	381	34	.	.	PROPN
easat-8335	381	35	29	29	NUM
easat-8335	381	36	,	,	PUNCT
easat-8335	381	37	no	no	INTJ
easat-8335	381	38	.	.	NOUN
easat-8335	381	39	4	4	NUM
easat-8335	381	40	,	,	PUNCT
easat-8335	381	41	pp	pp	ADJ
easat-8335	381	42	.	.	PUNCT
easat-8335	382	1	441–456	441–456	NUM
easat-8335	382	2	,	,	PUNCT
easat-8335	382	3	2022	2022	NUM
easat-8335	382	4	.	.	PUNCT
easat-8335	383	1	[	[	X
easat-8335	383	2	46	46	NUM
easat-8335	383	3	]	]	PUNCT
easat-8335	383	4	m.	m.	NOUN
easat-8335	383	5	u.	u.	PROPN
easat-8335	383	6	hassan	hassan	PROPN
easat-8335	383	7	and	and	CCONJ
easat-8335	383	8	s.	s.	PROPN
easat-8335	383	9	raza	raza	PROPN
easat-8335	383	10	,	,	PUNCT
easat-8335	383	11	"	"	PUNCT
easat-8335	383	12	building	build	VERB
easat-8335	383	13	trust	trust	NOUN
easat-8335	383	14	in	in	ADP
easat-8335	383	15	digital	digital	ADJ
easat-8335	383	16	payment	payment	NOUN
easat-8335	383	17	systems	system	NOUN
easat-8335	383	18	:	:	PUNCT
easat-8335	383	19	challenges	challenge	NOUN
easat-8335	383	20	and	and	CCONJ
easat-8335	383	21	opportunities	opportunity	NOUN
easat-8335	383	22	,	,	PUNCT
easat-8335	383	23	"	"	PUNCT
easat-8335	383	24	journal	journal	NOUN
easat-8335	383	25	of	of	ADP
easat-8335	383	26	financial	financial	ADJ
easat-8335	383	27	technology	technology	NOUN
easat-8335	383	28	,	,	PUNCT
easat-8335	383	29	vol	vol	NOUN
easat-8335	383	30	.	.	PROPN
easat-8335	383	31	18	18	NUM
easat-8335	383	32	,	,	PUNCT
easat-8335	383	33	no	no	INTJ
easat-8335	383	34	.	.	NOUN
easat-8335	383	35	1	1	NUM
easat-8335	383	36	,	,	PUNCT
easat-8335	383	37	pp	pp	ADJ
easat-8335	383	38	.	.	PUNCT
easat-8335	384	1	45–61	45–61	NUM
easat-8335	384	2	,	,	PUNCT
easat-8335	384	3	2023	2023	NUM
easat-8335	384	4	.	.	PUNCT
easat-8335	385	1	[	[	X
easat-8335	385	2	47	47	NUM
easat-8335	385	3	]	]	X
easat-8335	385	4	h.	h.	PROPN
easat-8335	385	5	amin	amin	PROPN
easat-8335	385	6	,	,	PUNCT
easat-8335	385	7	"	"	PUNCT
easat-8335	385	8	e	e	NOUN
easat-8335	385	9	-	-	NOUN
easat-8335	385	10	payment	payment	NOUN
easat-8335	385	11	systems	system	NOUN
easat-8335	385	12	and	and	CCONJ
easat-8335	385	13	trust	trust	NOUN
easat-8335	385	14	:	:	PUNCT
easat-8335	385	15	a	a	DET
easat-8335	385	16	study	study	NOUN
easat-8335	385	17	on	on	ADP
easat-8335	385	18	online	online	ADJ
easat-8335	385	19	banking	banking	NOUN
easat-8335	385	20	adoption	adoption	NOUN
easat-8335	385	21	in	in	ADP
easat-8335	385	22	malaysia	malaysia	PROPN
easat-8335	385	23	,	,	PUNCT
easat-8335	385	24	"	"	PUNCT
easat-8335	385	25	journal	journal	NOUN
easat-8335	385	26	of	of	ADP
easat-8335	385	27	internet	internet	NOUN
easat-8335	385	28	banking	banking	NOUN
easat-8335	385	29	and	and	CCONJ
easat-8335	385	30	commerce	commerce	PROPN
easat-8335	385	31	,	,	PUNCT
easat-8335	385	32	vol	vol	NOUN
easat-8335	385	33	.	.	PROPN
easat-8335	385	34	21	21	NUM
easat-8335	385	35	,	,	PUNCT
easat-8335	385	36	no	no	INTJ
easat-8335	385	37	.	.	NOUN
easat-8335	385	38	2	2	NUM
easat-8335	385	39	,	,	PUNCT
easat-8335	385	40	pp	pp	ADJ
easat-8335	385	41	.	.	PUNCT
easat-8335	385	42	1–18	1–18	NUM
easat-8335	385	43	,	,	PUNCT
easat-8335	385	44	2016	2016	NUM
easat-8335	385	45	.	.	PUNCT
easat-8335	386	1	[	[	X
easat-8335	386	2	48	48	NUM
easat-8335	386	3	]	]	PUNCT
easat-8335	386	4	c.	c.	PROPN
easat-8335	386	5	p.	p.	PROPN
easat-8335	386	6	hoffmann	hoffmann	PROPN
easat-8335	386	7	,	,	PUNCT
easat-8335	386	8	c.	c.	PROPN
easat-8335	386	9	lutz	lutz	PROPN
easat-8335	386	10	,	,	PUNCT
easat-8335	386	11	and	and	CCONJ
easat-8335	386	12	g.	g.	PROPN
easat-8335	386	13	ranzini	ranzini	PROPN
easat-8335	386	14	,	,	PUNCT
easat-8335	386	15	"	"	PUNCT
easat-8335	386	16	the	the	DET
easat-8335	386	17	role	role	NOUN
easat-8335	386	18	of	of	ADP
easat-8335	386	19	trust	trust	NOUN
easat-8335	386	20	in	in	ADP
easat-8335	386	21	the	the	DET
easat-8335	386	22	acceptance	acceptance	NOUN
easat-8335	386	23	of	of	ADP
easat-8335	386	24	digital	digital	ADJ
easat-8335	386	25	wallets	wallet	NOUN
easat-8335	386	26	,	,	PUNCT
easat-8335	386	27	"	"	PUNCT
easat-8335	386	28	electronic	electronic	ADJ
easat-8335	386	29	markets	market	NOUN
easat-8335	386	30	,	,	PUNCT
easat-8335	386	31	vol	vol	NOUN
easat-8335	386	32	.	.	PROPN
easat-8335	386	33	30	30	NUM
easat-8335	386	34	,	,	PUNCT
easat-8335	386	35	no	no	INTJ
easat-8335	386	36	.	.	NOUN
easat-8335	386	37	2	2	NUM
easat-8335	386	38	,	,	PUNCT
easat-8335	386	39	pp	pp	ADJ
easat-8335	386	40	.	.	PUNCT
easat-8335	387	1	259–273	259–273	NUM
easat-8335	387	2	,	,	PUNCT
easat-8335	387	3	2020	2020	NUM
easat-8335	387	4	.	.	PUNCT
easat-8335	388	1	https://doi.org/10.1108/10662241111104884	https://doi.org/10.1108/10662241111104884	PRON
easat-8335	388	2	https://doi.org/10.2307/30036540	https://doi.org/10.2307/30036540	NOUN
easat-8335	388	3	https://doi.org/10.1016/s1071-5819(03)00111-3	https://doi.org/10.1016/s1071-5819(03)00111-3	AUX
easat-8335	388	4	https://doi.org/10.1016/s1071-5819(03)00111-3	https://doi.org/10.1016/s1071-5819(03)00111-3	PROPN
easat-8335	388	5	https://doi.org/10.1016/j.cose.2004.11.001	https://doi.org/10.1016/j.cose.2004.11.001	PROPN
easat-8335	388	6	https://doi.org/10.1108/imds-05-2015-0195	https://doi.org/10.1108/imds-05-2015-0195	ADJ
easat-8335	388	7	https://doi.org/10.1108/jibr-10-2015-0112	https://doi.org/10.1108/jibr-10-2015-0112	PROPN
easat-8335	388	8	https://doi.org/10.1108/jkm-05-2018-0322	https://doi.org/10.1108/jkm-05-2018-0322	PROPN
easat-8335	388	9	https://doi.org/10.1016/j.jom.2012.06.002	https://doi.org/10.1016/j.jom.2012.06.002	PROPN
easat-8335	388	10	https://doi.org/10.3390/data7110158	https://doi.org/10.3390/data7110158	PROPN
easat-8335	388	11	https://doi.org/10.2307/3151312	https://doi.org/10.2307/3151312	PROPN