id	sid	tid	token	lemma	pos
easat-8507	1	1	edelweiss	edelweiss	PROPN
easat-8507	1	2	applied	apply	VERB
easat-8507	1	3	science	science	NOUN
easat-8507	1	4	and	and	CCONJ
easat-8507	1	5	technology	technology	NOUN
easat-8507	1	6	issn	issn	PROPN
easat-8507	1	7	:	:	PUNCT
easat-8507	1	8	2576	2576	NUM
easat-8507	1	9	-	-	SYM
easat-8507	1	10	8484	8484	NUM
easat-8507	1	11	vol	vol	NOUN
easat-8507	1	12	.	.	PROPN
easat-8507	2	1	9	9	NUM
easat-8507	2	2	,	,	PUNCT
easat-8507	2	3	no	no	INTJ
easat-8507	2	4	.	.	NOUN
easat-8507	2	5	6	6	NUM
easat-8507	2	6	,	,	PUNCT
easat-8507	2	7	2946	2946	NUM
easat-8507	2	8	-	-	SYM
easat-8507	2	9	2954	2954	NUM
easat-8507	2	10	2025	2025	NUM
easat-8507	2	11	publisher	publisher	NOUN
easat-8507	2	12	:	:	PUNCT
easat-8507	2	13	learning	learn	VERB
easat-8507	2	14	gate	gate	NOUN
easat-8507	2	15	doi	doi	PROPN
easat-8507	2	16	:	:	PUNCT
easat-8507	2	17	10.55214/25768484.v9i6.8507	10.55214/25768484.v9i6.8507	NUM
easat-8507	2	18	©	©	PROPN
easat-8507	2	19	2025	2025	NUM
easat-8507	2	20	by	by	ADP
easat-8507	2	21	the	the	DET
easat-8507	2	22	authors	author	NOUN
easat-8507	2	23	;	;	PUNCT
easat-8507	2	24	licensee	licensee	PROPN
easat-8507	2	25	learning	learning	NOUN
easat-8507	2	26	gate	gate	NOUN
easat-8507	3	1	©	©	PROPN
easat-8507	3	2	2025	2025	NUM
easat-8507	3	3	by	by	ADP
easat-8507	3	4	the	the	DET
easat-8507	3	5	authors	author	NOUN
easat-8507	3	6	;	;	PUNCT
easat-8507	3	7	licensee	licensee	PROPN
easat-8507	3	8	learning	learning	NOUN
easat-8507	3	9	gate	gate	NOUN
easat-8507	3	10	history	history	NOUN
easat-8507	3	11	:	:	PUNCT
easat-8507	3	12	received	receive	VERB
easat-8507	3	13	:	:	PUNCT
easat-8507	3	14	2	2	NUM
easat-8507	3	15	may	may	PROPN
easat-8507	3	16	2025	2025	NUM
easat-8507	3	17	;	;	PUNCT
easat-8507	3	18	revised	revise	VERB
easat-8507	3	19	:	:	PUNCT
easat-8507	3	20	16	16	NUM
easat-8507	3	21	june	june	PROPN
easat-8507	3	22	2025	2025	NUM
easat-8507	3	23	;	;	PUNCT
easat-8507	3	24	accepted	accept	VERB
easat-8507	3	25	:	:	PUNCT
easat-8507	3	26	20	20	NUM
easat-8507	3	27	june	june	PROPN
easat-8507	3	28	2025	2025	NUM
easat-8507	3	29	;	;	PUNCT
easat-8507	3	30	published	publish	VERB
easat-8507	3	31	:	:	PUNCT
easat-8507	3	32	1	1	NUM
easat-8507	3	33	july	july	NOUN
easat-8507	3	34	2025	2025	NUM
easat-8507	3	35	*	*	PUNCT
easat-8507	3	36	correspondence	correspondence	NOUN
easat-8507	3	37	:	:	PUNCT
easat-8507	3	38	yurikoneshi@student.telkomuniversity.ac.id	yurikoneshi@student.telkomuniversity.ac.id	PROPN
easat-8507	3	39	indonesian	indonesian	ADJ
easat-8507	3	40	consumers	consumer	NOUN
easat-8507	3	41	'	'	PART
easat-8507	3	42	intention	intention	NOUN
easat-8507	3	43	to	to	PART
easat-8507	3	44	use	use	VERB
easat-8507	3	45	digital	digital	ADJ
easat-8507	3	46	bank	bank	PROPN
easat-8507	3	47	services	services	PROPN
easat-8507	3	48	yuriko	yuriko	PROPN
easat-8507	4	1	neshi1	neshi1	PROPN
easat-8507	4	2	*	*	PROPN
easat-8507	4	3	,	,	PUNCT
easat-8507	4	4	maria	maria	PROPN
easat-8507	4	5	apsari	apsari	PROPN
easat-8507	4	6	sugiat1	sugiat1	PROPN
easat-8507	4	7	,	,	PUNCT
easat-8507	4	8	fera	fera	PROPN
easat-8507	4	9	maria	maria	PROPN
easat-8507	4	10	silalahi1	silalahi1	VERB
easat-8507	4	11	1faculty	1faculty	NUM
easat-8507	4	12	of	of	ADP
easat-8507	4	13	economics	economic	NOUN
easat-8507	4	14	and	and	CCONJ
easat-8507	4	15	business	business	NOUN
easat-8507	4	16	,	,	PUNCT
easat-8507	4	17	telkom	telkom	PROPN
easat-8507	4	18	university	university	PROPN
easat-8507	4	19	,	,	PUNCT
easat-8507	4	20	indonesia	indonesia	PROPN
easat-8507	4	21	;	;	PUNCT
easat-8507	4	22	yurikoneshi@student.telkomuniversity.ac.id	yurikoneshi@student.telkomuniversity.ac.id	PROPN
easat-8507	4	23	(	(	PUNCT
easat-8507	4	24	y.n	y.n	PROPN
easat-8507	4	25	.	.	PROPN
easat-8507	4	26	)	)	PUNCT
easat-8507	4	27	,	,	PUNCT
easat-8507	4	28	mariasugiat@telkomuniversity.ac.id	mariasugiat@telkomuniversity.ac.id	NOUN
easat-8507	4	29	(	(	PUNCT
easat-8507	4	30	m.a.s	m.a.s	PROPN
easat-8507	4	31	.	.	PROPN
easat-8507	4	32	)	)	PUNCT
easat-8507	4	33	,	,	PUNCT
easat-8507	4	34	ferasilalahi@student.telkomuniversity.ac.id	ferasilalahi@student.telkomuniversity.ac.id	PROPN
easat-8507	4	35	(	(	PUNCT
easat-8507	4	36	f.m.s	f.m.s	NOUN
easat-8507	4	37	.	.	PUNCT
easat-8507	4	38	)	)	PUNCT
easat-8507	4	39	.	.	PUNCT
easat-8507	5	1	abstract	abstract	ADJ
easat-8507	5	2	:	:	PUNCT
easat-8507	5	3	digital	digital	ADJ
easat-8507	5	4	banks	bank	NOUN
easat-8507	5	5	offer	offer	VERB
easat-8507	5	6	financial	financial	ADJ
easat-8507	5	7	services	service	NOUN
easat-8507	5	8	through	through	ADP
easat-8507	5	9	mobile	mobile	ADJ
easat-8507	5	10	apps	app	NOUN
easat-8507	5	11	rather	rather	ADV
easat-8507	5	12	than	than	ADP
easat-8507	5	13	branches	branch	NOUN
easat-8507	5	14	.	.	PUNCT
easat-8507	6	1	despite	despite	SCONJ
easat-8507	6	2	technological	technological	ADJ
easat-8507	6	3	advancements	advancement	NOUN
easat-8507	6	4	,	,	PUNCT
easat-8507	6	5	indonesians	indonesian	NOUN
easat-8507	6	6	rarely	rarely	ADV
easat-8507	6	7	use	use	VERB
easat-8507	6	8	digital	digital	ADJ
easat-8507	6	9	banking	banking	NOUN
easat-8507	6	10	.	.	PUNCT
easat-8507	7	1	to	to	PART
easat-8507	7	2	promote	promote	VERB
easat-8507	7	3	the	the	DET
easat-8507	7	4	growth	growth	NOUN
easat-8507	7	5	of	of	ADP
easat-8507	7	6	digital	digital	ADJ
easat-8507	7	7	banks	bank	NOUN
easat-8507	7	8	,	,	PUNCT
easat-8507	7	9	it	it	PRON
easat-8507	7	10	is	be	AUX
easat-8507	7	11	necessary	necessary	ADJ
easat-8507	7	12	to	to	PART
easat-8507	7	13	research	research	VERB
easat-8507	7	14	customer	customer	NOUN
easat-8507	7	15	preferences	preference	NOUN
easat-8507	7	16	.	.	PUNCT
easat-8507	8	1	this	this	DET
easat-8507	8	2	study	study	NOUN
easat-8507	8	3	aims	aim	VERB
easat-8507	8	4	to	to	PART
easat-8507	8	5	analyze	analyze	VERB
easat-8507	8	6	consumer	consumer	NOUN
easat-8507	8	7	intentions	intention	NOUN
easat-8507	8	8	to	to	PART
easat-8507	8	9	use	use	VERB
easat-8507	8	10	digital	digital	ADJ
easat-8507	8	11	banks	bank	NOUN
easat-8507	8	12	based	base	VERB
easat-8507	8	13	on	on	ADP
easat-8507	8	14	the	the	DET
easat-8507	8	15	theory	theory	NOUN
easat-8507	8	16	of	of	ADP
easat-8507	8	17	planned	plan	VERB
easat-8507	8	18	behavior	behavior	NOUN
easat-8507	8	19	.	.	PUNCT
easat-8507	9	1	the	the	DET
easat-8507	9	2	study	study	NOUN
easat-8507	9	3	examined	examine	VERB
easat-8507	9	4	six	six	NUM
easat-8507	9	5	indonesian	indonesian	ADJ
easat-8507	9	6	digital	digital	ADJ
easat-8507	9	7	banks	bank	NOUN
easat-8507	9	8	founded	found	VERB
easat-8507	9	9	after	after	ADP
easat-8507	9	10	2020	2020	NUM
easat-8507	9	11	.	.	PUNCT
easat-8507	10	1	it	it	PRON
easat-8507	10	2	used	use	VERB
easat-8507	10	3	487	487	NUM
easat-8507	10	4	responses	response	NOUN
easat-8507	10	5	from	from	ADP
easat-8507	10	6	69	69	NUM
easat-8507	10	7	million	million	NUM
easat-8507	10	8	digital	digital	ADJ
easat-8507	10	9	bank	bank	NOUN
easat-8507	10	10	users	user	NOUN
easat-8507	10	11	.	.	PUNCT
easat-8507	11	1	structural	structural	ADJ
easat-8507	11	2	equation	equation	NOUN
easat-8507	11	3	modeling	modeling	NOUN
easat-8507	11	4	(	(	PUNCT
easat-8507	11	5	sem	sem	NOUN
easat-8507	11	6	)	)	PUNCT
easat-8507	11	7	with	with	ADP
easat-8507	11	8	partial	partial	ADJ
easat-8507	11	9	least	least	ADJ
easat-8507	11	10	squares	square	NOUN
easat-8507	11	11	was	be	AUX
easat-8507	11	12	employed	employ	VERB
easat-8507	11	13	in	in	ADP
easat-8507	11	14	this	this	DET
easat-8507	11	15	study	study	NOUN
easat-8507	11	16	.	.	PUNCT
easat-8507	12	1	the	the	DET
easat-8507	12	2	sem	sem	PROPN
easat-8507	12	3	analysis	analysis	NOUN
easat-8507	12	4	showed	show	VERB
easat-8507	12	5	that	that	SCONJ
easat-8507	12	6	all	all	PRON
easat-8507	12	7	construct	construct	VERB
easat-8507	12	8	variables	variable	NOUN
easat-8507	12	9	significantly	significantly	ADV
easat-8507	12	10	and	and	CCONJ
easat-8507	12	11	positively	positively	ADV
easat-8507	12	12	affect	affect	VERB
easat-8507	12	13	digital	digital	ADJ
easat-8507	12	14	bank	bank	PROPN
easat-8507	12	15	intention	intention	NOUN
easat-8507	12	16	.	.	PUNCT
easat-8507	13	1	the	the	DET
easat-8507	13	2	coefficient	coefficient	NOUN
easat-8507	13	3	of	of	ADP
easat-8507	13	4	determination	determination	NOUN
easat-8507	13	5	r²	r²	VERB
easat-8507	13	6	for	for	ADP
easat-8507	13	7	the	the	DET
easat-8507	13	8	purchase	purchase	NOUN
easat-8507	13	9	intention	intention	NOUN
easat-8507	13	10	(	(	PUNCT
easat-8507	13	11	pi	pi	NOUN
easat-8507	13	12	)	)	PUNCT
easat-8507	13	13	construct	construct	NOUN
easat-8507	13	14	is	be	AUX
easat-8507	13	15	0.703	0.703	NUM
easat-8507	13	16	,	,	PUNCT
easat-8507	13	17	indicating	indicate	VERB
easat-8507	13	18	that	that	SCONJ
easat-8507	13	19	70.3	70.3	NUM
easat-8507	13	20	%	%	NOUN
easat-8507	13	21	of	of	ADP
easat-8507	13	22	the	the	DET
easat-8507	13	23	variance	variance	NOUN
easat-8507	13	24	in	in	ADP
easat-8507	13	25	the	the	DET
easat-8507	13	26	intention	intention	NOUN
easat-8507	13	27	to	to	PART
easat-8507	13	28	utilize	utilize	VERB
easat-8507	13	29	digital	digital	ADJ
easat-8507	13	30	banking	banking	NOUN
easat-8507	13	31	can	can	AUX
easat-8507	13	32	be	be	AUX
easat-8507	13	33	explained	explain	VERB
easat-8507	13	34	by	by	ADP
easat-8507	13	35	the	the	DET
easat-8507	13	36	constructs	construct	NOUN
easat-8507	13	37	of	of	ADP
easat-8507	13	38	attitude	attitude	NOUN
easat-8507	13	39	(	(	PUNCT
easat-8507	13	40	a	a	NOUN
easat-8507	13	41	)	)	PUNCT
easat-8507	13	42	,	,	PUNCT
easat-8507	13	43	subjective	subjective	ADJ
easat-8507	13	44	norm	norm	NOUN
easat-8507	13	45	(	(	PUNCT
easat-8507	13	46	sn	sn	NOUN
easat-8507	13	47	)	)	PUNCT
easat-8507	13	48	,	,	PUNCT
easat-8507	13	49	and	and	CCONJ
easat-8507	13	50	perceived	perceive	VERB
easat-8507	13	51	behavioral	behavioral	ADJ
easat-8507	13	52	control	control	NOUN
easat-8507	13	53	(	(	PUNCT
easat-8507	13	54	pbc	pbc	PROPN
easat-8507	13	55	)	)	PUNCT
easat-8507	13	56	.	.	PUNCT
easat-8507	14	1	a	a	DET
easat-8507	14	2	positive	positive	ADJ
easat-8507	14	3	consumer	consumer	NOUN
easat-8507	14	4	attitude	attitude	NOUN
easat-8507	14	5	toward	toward	ADP
easat-8507	14	6	the	the	DET
easat-8507	14	7	product	product	NOUN
easat-8507	14	8	is	be	AUX
easat-8507	14	9	the	the	DET
easat-8507	14	10	main	main	ADJ
easat-8507	14	11	predictor	predictor	NOUN
easat-8507	14	12	of	of	ADP
easat-8507	14	13	purchase	purchase	NOUN
easat-8507	14	14	intention	intention	NOUN
easat-8507	14	15	.	.	PUNCT
easat-8507	15	1	moreover	moreover	ADV
easat-8507	15	2	,	,	PUNCT
easat-8507	15	3	the	the	DET
easat-8507	15	4	f	f	PROPN
easat-8507	15	5	-	-	PUNCT
easat-8507	15	6	square	square	ADJ
easat-8507	15	7	test	test	NOUN
easat-8507	15	8	results	result	NOUN
easat-8507	15	9	indicate	indicate	VERB
easat-8507	15	10	that	that	SCONJ
easat-8507	15	11	the	the	DET
easat-8507	15	12	path	path	NOUN
easat-8507	15	13	from	from	ADP
easat-8507	15	14	perceived	perceive	VERB
easat-8507	15	15	product	product	NOUN
easat-8507	15	16	value	value	NOUN
easat-8507	15	17	to	to	PART
easat-8507	15	18	attitude	attitude	NOUN
easat-8507	15	19	to	to	PART
easat-8507	15	20	purchase	purchase	VERB
easat-8507	15	21	intention	intention	NOUN
easat-8507	15	22	(	(	PUNCT
easat-8507	15	23	ppv	ppv	NOUN
easat-8507	15	24	-	-	PUNCT
easat-8507	15	25	a	a	DET
easat-8507	15	26	-	-	PUNCT
easat-8507	15	27	pi	pi	NOUN
easat-8507	15	28	)	)	PUNCT
easat-8507	15	29	is	be	AUX
easat-8507	15	30	the	the	DET
easat-8507	15	31	most	most	ADV
easat-8507	15	32	significant	significant	ADJ
easat-8507	15	33	pathway	pathway	NOUN
easat-8507	15	34	in	in	ADP
easat-8507	15	35	the	the	DET
easat-8507	15	36	model	model	NOUN
easat-8507	15	37	.	.	PUNCT
easat-8507	16	1	consumer	consumer	NOUN
easat-8507	16	2	attitudes	attitude	NOUN
easat-8507	16	3	shaped	shape	VERB
easat-8507	16	4	by	by	ADP
easat-8507	16	5	product	product	NOUN
easat-8507	16	6	perceptions	perception	NOUN
easat-8507	16	7	are	be	AUX
easat-8507	16	8	paramount	paramount	ADJ
easat-8507	16	9	in	in	ADP
easat-8507	16	10	influencing	influence	VERB
easat-8507	16	11	decisions	decision	NOUN
easat-8507	16	12	to	to	PART
easat-8507	16	13	utilize	utilize	VERB
easat-8507	16	14	digital	digital	ADJ
easat-8507	16	15	banks	bank	NOUN
easat-8507	16	16	.	.	PUNCT
easat-8507	17	1	keywords	keyword	NOUN
easat-8507	17	2	:	:	PUNCT
easat-8507	17	3	digital	digital	PROPN
easat-8507	17	4	bank	bank	NOUN
easat-8507	17	5	,	,	PUNCT
easat-8507	17	6	consumer	consumer	NOUN
easat-8507	17	7	behaviour	behaviour	NOUN
easat-8507	17	8	,	,	PUNCT
easat-8507	17	9	path	path	NOUN
easat-8507	17	10	analysis	analysis	NOUN
easat-8507	17	11	,	,	PUNCT
easat-8507	17	12	purchase	purchase	NOUN
easat-8507	17	13	intention	intention	NOUN
easat-8507	17	14	,	,	PUNCT
easat-8507	17	15	structural	structural	ADJ
easat-8507	17	16	equation	equation	NOUN
easat-8507	17	17	model	model	NOUN
easat-8507	17	18	,	,	PUNCT
easat-8507	17	19	theory	theory	NOUN
easat-8507	17	20	of	of	ADP
easat-8507	17	21	planned	plan	VERB
easat-8507	17	22	behaviour	behaviour	NOUN
easat-8507	17	23	.	.	PUNCT
easat-8507	18	1	1	1	X
easat-8507	18	2	.	.	X
easat-8507	18	3	background	background	NOUN
easat-8507	18	4	client	client	NOUN
easat-8507	18	5	-	-	PUNCT
easat-8507	18	6	centric	centric	NOUN
easat-8507	18	7	digitalisation	digitalisation	NOUN
easat-8507	18	8	has	have	AUX
easat-8507	18	9	transformed	transform	VERB
easat-8507	18	10	the	the	DET
easat-8507	18	11	banking	banking	NOUN
easat-8507	18	12	sector	sector	NOUN
easat-8507	18	13	by	by	ADP
easat-8507	18	14	changing	change	VERB
easat-8507	18	15	client	client	NOUN
easat-8507	18	16	interactions	interaction	NOUN
easat-8507	18	17	,	,	PUNCT
easat-8507	18	18	improving	improve	VERB
easat-8507	18	19	efficiency	efficiency	NOUN
easat-8507	18	20	through	through	ADP
easat-8507	18	21	new	new	ADJ
easat-8507	18	22	services	service	NOUN
easat-8507	18	23	,	,	PUNCT
easat-8507	18	24	and	and	CCONJ
easat-8507	18	25	increasing	increase	VERB
easat-8507	18	26	consumer	consumer	NOUN
easat-8507	18	27	reach	reach	NOUN
easat-8507	18	28	through	through	ADP
easat-8507	18	29	technology	technology	NOUN
easat-8507	18	30	[	[	X
easat-8507	18	31	1	1	NUM
easat-8507	18	32	]	]	PUNCT
easat-8507	18	33	.	.	PUNCT
easat-8507	19	1	to	to	PART
easat-8507	19	2	provide	provide	VERB
easat-8507	19	3	easy	easy	ADJ
easat-8507	19	4	financial	financial	ADJ
easat-8507	19	5	services	service	NOUN
easat-8507	19	6	to	to	ADP
easat-8507	19	7	tech	tech	NOUN
easat-8507	19	8	-	-	PUNCT
easat-8507	19	9	savvy	savvy	VERB
easat-8507	19	10	consumers	consumer	NOUN
easat-8507	19	11	,	,	PUNCT
easat-8507	19	12	banks	bank	NOUN
easat-8507	19	13	must	must	AUX
easat-8507	19	14	integrate	integrate	VERB
easat-8507	19	15	their	their	PRON
easat-8507	19	16	processes	process	NOUN
easat-8507	19	17	digitally	digitally	ADV
easat-8507	19	18	[	[	X
easat-8507	19	19	2	2	NUM
easat-8507	19	20	]	]	PUNCT
easat-8507	19	21	.	.	PUNCT
easat-8507	20	1	mobile	mobile	ADJ
easat-8507	20	2	banking	banking	NOUN
easat-8507	20	3	,	,	PUNCT
easat-8507	20	4	e	e	NOUN
easat-8507	20	5	-	-	NOUN
easat-8507	20	6	wallets	wallet	NOUN
easat-8507	20	7	,	,	PUNCT
easat-8507	20	8	and	and	CCONJ
easat-8507	20	9	qris	qris	NOUN
easat-8507	20	10	(	(	PUNCT
easat-8507	20	11	quick	quick	ADJ
easat-8507	20	12	response	response	NOUN
easat-8507	20	13	code	code	PROPN
easat-8507	20	14	indonesian	indonesian	PROPN
easat-8507	20	15	standard	standard	PROPN
easat-8507	20	16	)	)	PUNCT
easat-8507	20	17	have	have	AUX
easat-8507	20	18	made	make	VERB
easat-8507	20	19	digital	digital	ADJ
easat-8507	20	20	financial	financial	ADJ
easat-8507	20	21	transactions	transaction	NOUN
easat-8507	20	22	easier	easy	ADJ
easat-8507	20	23	,	,	PUNCT
easat-8507	20	24	and	and	CCONJ
easat-8507	20	25	smart	smart	ADJ
easat-8507	20	26	branches	branch	NOUN
easat-8507	20	27	have	have	AUX
easat-8507	20	28	supported	support	VERB
easat-8507	20	29	digital	digital	ADJ
easat-8507	20	30	financial	financial	ADJ
easat-8507	20	31	growth	growth	NOUN
easat-8507	21	1	[	[	X
easat-8507	21	2	3	3	NUM
easat-8507	21	3	]	]	PUNCT
easat-8507	21	4	.	.	PUNCT
easat-8507	22	1	digital	digital	ADJ
easat-8507	22	2	banks	bank	NOUN
easat-8507	22	3	,	,	PUNCT
easat-8507	22	4	in	in	ADP
easat-8507	22	5	collaboration	collaboration	NOUN
easat-8507	22	6	with	with	ADP
easat-8507	22	7	fintech	fintech	NOUN
easat-8507	22	8	and	and	CCONJ
easat-8507	22	9	small	small	ADJ
easat-8507	22	10	enterprises	enterprise	NOUN
easat-8507	22	11	,	,	PUNCT
easat-8507	22	12	can	can	AUX
easat-8507	22	13	provide	provide	VERB
easat-8507	22	14	digital	digital	ADJ
easat-8507	22	15	financial	financial	ADJ
easat-8507	22	16	solutions	solution	NOUN
easat-8507	22	17	to	to	PART
easat-8507	22	18	meet	meet	VERB
easat-8507	22	19	individuals	individual	NOUN
easat-8507	22	20	'	'	PART
easat-8507	22	21	financial	financial	ADJ
easat-8507	22	22	needs	need	NOUN
easat-8507	22	23	,	,	PUNCT
easat-8507	22	24	improving	improve	VERB
easat-8507	22	25	financial	financial	ADJ
easat-8507	22	26	inclusion	inclusion	NOUN
easat-8507	22	27	across	across	ADP
easat-8507	22	28	deposit	deposit	NOUN
easat-8507	22	29	,	,	PUNCT
easat-8507	22	30	lending	lending	NOUN
easat-8507	22	31	,	,	PUNCT
easat-8507	22	32	payment	payment	NOUN
easat-8507	22	33	,	,	PUNCT
easat-8507	22	34	settlement	settlement	NOUN
easat-8507	22	35	,	,	PUNCT
easat-8507	22	36	and	and	CCONJ
easat-8507	22	37	investment	investment	NOUN
easat-8507	22	38	[	[	X
easat-8507	22	39	4	4	NUM
easat-8507	22	40	]	]	PUNCT
easat-8507	22	41	.	.	PUNCT
easat-8507	23	1	digital	digital	ADJ
easat-8507	23	2	banks	bank	NOUN
easat-8507	23	3	offer	offer	VERB
easat-8507	23	4	financial	financial	ADJ
easat-8507	23	5	services	service	NOUN
easat-8507	23	6	only	only	ADV
easat-8507	23	7	through	through	ADP
easat-8507	23	8	mobile	mobile	ADJ
easat-8507	23	9	apps	app	NOUN
easat-8507	23	10	,	,	PUNCT
easat-8507	23	11	without	without	ADP
easat-8507	23	12	branch	branch	NOUN
easat-8507	23	13	facilities	facility	NOUN
easat-8507	23	14	.	.	PUNCT
easat-8507	24	1	they	they	PRON
easat-8507	24	2	offer	offer	VERB
easat-8507	24	3	ease	ease	NOUN
easat-8507	24	4	and	and	CCONJ
easat-8507	24	5	encourage	encourage	VERB
easat-8507	24	6	financial	financial	ADJ
easat-8507	24	7	management	management	NOUN
easat-8507	24	8	without	without	ADP
easat-8507	24	9	in	in	ADP
easat-8507	24	10	-	-	PUNCT
easat-8507	24	11	person	person	NOUN
easat-8507	24	12	encounters	encounter	NOUN
easat-8507	24	13	[	[	X
easat-8507	24	14	5	5	NUM
easat-8507	24	15	]	]	PUNCT
easat-8507	24	16	.	.	PUNCT
easat-8507	25	1	digital	digital	ADJ
easat-8507	25	2	banks	bank	NOUN
easat-8507	25	3	must	must	AUX
easat-8507	25	4	emphasize	emphasize	VERB
easat-8507	25	5	excellent	excellent	ADJ
easat-8507	25	6	digital	digital	ADJ
easat-8507	25	7	capabilities	capability	NOUN
easat-8507	25	8	based	base	VERB
easat-8507	25	9	on	on	ADP
easat-8507	25	10	a	a	DET
easat-8507	25	11	complete	complete	ADJ
easat-8507	25	12	digital	digital	ADJ
easat-8507	25	13	platform	platform	NOUN
easat-8507	25	14	with	with	ADP
easat-8507	25	15	an	an	DET
easat-8507	25	16	agile	agile	ADJ
easat-8507	25	17	organizational	organizational	ADJ
easat-8507	25	18	architecture	architecture	NOUN
easat-8507	25	19	owing	owe	VERB
easat-8507	25	20	to	to	ADP
easat-8507	25	21	the	the	DET
easat-8507	25	22	fourth	fourth	ADJ
easat-8507	25	23	industrial	industrial	ADJ
easat-8507	25	24	revolution	revolution	NOUN
easat-8507	25	25	's	's	PART
easat-8507	25	26	impact	impact	NOUN
easat-8507	25	27	on	on	ADP
easat-8507	25	28	banking	banking	NOUN
easat-8507	25	29	business	business	NOUN
easat-8507	25	30	operations	operation	NOUN
easat-8507	25	31	.	.	PUNCT
easat-8507	26	1	banking	banking	NOUN
easat-8507	26	2	digitalization	digitalization	NOUN
easat-8507	26	3	encourages	encourage	VERB
easat-8507	26	4	active	active	ADJ
easat-8507	26	5	money	money	NOUN
easat-8507	26	6	management	management	NOUN
easat-8507	26	7	,	,	PUNCT
easat-8507	26	8	planning	planning	NOUN
easat-8507	26	9	,	,	PUNCT
easat-8507	26	10	and	and	CCONJ
easat-8507	26	11	investing	invest	VERB
easat-8507	26	12	[	[	X
easat-8507	26	13	6	6	NUM
easat-8507	26	14	]	]	PUNCT
easat-8507	26	15	.	.	PUNCT
easat-8507	27	1	virtual	virtual	ADJ
easat-8507	27	2	banks	bank	NOUN
easat-8507	27	3	allow	allow	VERB
easat-8507	27	4	consumers	consumer	NOUN
easat-8507	27	5	to	to	PART
easat-8507	27	6	open	open	VERB
easat-8507	27	7	accounts	account	NOUN
easat-8507	27	8	,	,	PUNCT
easat-8507	27	9	transfer	transfer	NOUN
easat-8507	27	10	funds	fund	NOUN
easat-8507	27	11	,	,	PUNCT
easat-8507	27	12	invest	invest	VERB
easat-8507	27	13	,	,	PUNCT
easat-8507	27	14	and	and	CCONJ
easat-8507	27	15	make	make	VERB
easat-8507	27	16	payments	payment	NOUN
easat-8507	27	17	online	online	ADV
easat-8507	27	18	,	,	PUNCT
easat-8507	27	19	eliminating	eliminate	VERB
easat-8507	27	20	the	the	DET
easat-8507	27	21	need	need	NOUN
easat-8507	27	22	to	to	PART
easat-8507	27	23	visit	visit	VERB
easat-8507	27	24	branch	branch	NOUN
easat-8507	27	25	offices	office	NOUN
easat-8507	27	26	[	[	X
easat-8507	27	27	7	7	NUM
easat-8507	27	28	]	]	PUNCT
easat-8507	27	29	.	.	PUNCT
easat-8507	28	1	situational	situational	ADJ
easat-8507	28	2	,	,	PUNCT
easat-8507	28	3	influential	influential	ADJ
easat-8507	28	4	,	,	PUNCT
easat-8507	28	5	reactive	reactive	ADJ
easat-8507	28	6	,	,	PUNCT
easat-8507	28	7	and	and	CCONJ
easat-8507	28	8	sociodemographic	sociodemographic	ADJ
easat-8507	28	9	factors	factor	NOUN
easat-8507	28	10	drive	drive	VERB
easat-8507	28	11	digital	digital	ADJ
easat-8507	28	12	transformation	transformation	NOUN
easat-8507	28	13	-	-	PUNCT
easat-8507	28	14	induced	induce	VERB
easat-8507	28	15	changes	change	NOUN
easat-8507	28	16	in	in	ADP
easat-8507	28	17	bank	bank	NOUN
easat-8507	28	18	customer	customer	NOUN
easat-8507	28	19	behaviour	behaviour	NOUN
easat-8507	29	1	[	[	X
easat-8507	29	2	8	8	NUM
easat-8507	29	3	]	]	PUNCT
easat-8507	29	4	.	.	PUNCT
easat-8507	30	1	despite	despite	SCONJ
easat-8507	30	2	banking	banking	NOUN
easat-8507	30	3	technology	technology	NOUN
easat-8507	30	4	advances	advance	NOUN
easat-8507	30	5	,	,	PUNCT
easat-8507	30	6	indonesia	indonesia	PROPN
easat-8507	30	7	has	have	VERB
easat-8507	30	8	few	few	ADJ
easat-8507	30	9	digital	digital	ADJ
easat-8507	30	10	bank	bank	NOUN
easat-8507	30	11	users	user	NOUN
easat-8507	30	12	[	[	X
easat-8507	30	13	9	9	NUM
easat-8507	30	14	]	]	PUNCT
easat-8507	30	15	.	.	PUNCT
easat-8507	31	1	consumers	consumer	NOUN
easat-8507	31	2	who	who	PRON
easat-8507	31	3	prefer	prefer	VERB
easat-8507	31	4	traditional	traditional	ADJ
easat-8507	31	5	banks	bank	NOUN
easat-8507	31	6	'	'	PART
easat-8507	31	7	in	in	ADP
easat-8507	31	8	-	-	PUNCT
easat-8507	31	9	person	person	NOUN
easat-8507	31	10	services	service	NOUN
easat-8507	31	11	or	or	CCONJ
easat-8507	31	12	struggle	struggle	VERB
easat-8507	31	13	to	to	PART
easat-8507	31	14	adapt	adapt	VERB
easat-8507	31	15	to	to	ADP
easat-8507	31	16	online	online	ADJ
easat-8507	31	17	formats	format	NOUN
easat-8507	31	18	due	due	ADP
easat-8507	31	19	to	to	ADP
easat-8507	31	20	poor	poor	ADJ
easat-8507	31	21	internet	internet	NOUN
easat-8507	31	22	access	access	NOUN
easat-8507	31	23	or	or	CCONJ
easat-8507	31	24	a	a	DET
easat-8507	31	25	lack	lack	NOUN
easat-8507	31	26	of	of	ADP
easat-8507	31	27	understanding	understanding	NOUN
easat-8507	31	28	of	of	ADP
easat-8507	31	29	digital	digital	ADJ
easat-8507	31	30	banking	banking	NOUN
easat-8507	31	31	functionalities	functionality	NOUN
easat-8507	31	32	have	have	AUX
easat-8507	31	33	not	not	PART
easat-8507	31	34	fully	fully	ADV
easat-8507	31	35	embraced	embrace	VERB
easat-8507	31	36	the	the	DET
easat-8507	31	37	shift	shift	NOUN
easat-8507	31	38	to	to	ADP
easat-8507	31	39	https://orcid.org/0009-0001-1017-6785	https://orcid.org/0009-0001-1017-6785	PROPN
easat-8507	31	40	https://orcid.org/0000-0003-2123-1150	https://orcid.org/0000-0003-2123-1150	PROPN
easat-8507	31	41	https://orcid.org/0009-0002-3416-4903	https://orcid.org/0009-0002-3416-4903	PROPN
easat-8507	31	42	2947	2947	NUM
easat-8507	31	43	edelweiss	edelweiss	PROPN
easat-8507	31	44	applied	apply	VERB
easat-8507	31	45	science	science	NOUN
easat-8507	31	46	and	and	CCONJ
easat-8507	31	47	technology	technology	NOUN
easat-8507	31	48	issn	issn	PROPN
easat-8507	31	49	:	:	PUNCT
easat-8507	31	50	2576	2576	NUM
easat-8507	31	51	-	-	SYM
easat-8507	31	52	8484	8484	NUM
easat-8507	31	53	vol	vol	NOUN
easat-8507	31	54	.	.	PROPN
easat-8507	32	1	9	9	NUM
easat-8507	32	2	,	,	PUNCT
easat-8507	32	3	no	no	INTJ
easat-8507	32	4	.	.	NOUN
easat-8507	32	5	6	6	NUM
easat-8507	32	6	:	:	SYM
easat-8507	32	7	2946	2946	NUM
easat-8507	32	8	-	-	SYM
easat-8507	32	9	2954	2954	NUM
easat-8507	32	10	,	,	PUNCT
easat-8507	32	11	2025	2025	NUM
easat-8507	32	12	doi	doi	NOUN
easat-8507	32	13	:	:	PUNCT
easat-8507	32	14	10.55214/25768484.v9i6.8507	10.55214/25768484.v9i6.8507	NUM
easat-8507	32	15	©	©	PROPN
easat-8507	32	16	2025	2025	NUM
easat-8507	32	17	by	by	ADP
easat-8507	32	18	the	the	DET
easat-8507	32	19	authors	author	NOUN
easat-8507	32	20	;	;	PUNCT
easat-8507	32	21	licensee	licensee	PROPN
easat-8507	32	22	learning	learning	NOUN
easat-8507	32	23	gate	gate	VERB
easat-8507	32	24	digital	digital	PROPN
easat-8507	32	25	services	service	NOUN
easat-8507	32	26	[	[	X
easat-8507	32	27	10	10	NUM
easat-8507	32	28	]	]	PUNCT
easat-8507	32	29	.	.	PUNCT
easat-8507	33	1	total	total	ADJ
easat-8507	33	2	digital	digital	PROPN
easat-8507	33	3	bank	bank	NOUN
easat-8507	33	4	assets	asset	NOUN
easat-8507	33	5	represent	represent	VERB
easat-8507	33	6	1.2	1.2	NUM
easat-8507	33	7	%	%	NOUN
easat-8507	33	8	of	of	ADP
easat-8507	33	9	commercial	commercial	ADJ
easat-8507	33	10	banks	bank	NOUN
easat-8507	33	11	,	,	PUNCT
easat-8507	33	12	indicating	indicate	VERB
easat-8507	33	13	that	that	SCONJ
easat-8507	33	14	digital	digital	ADJ
easat-8507	33	15	banks	bank	NOUN
easat-8507	33	16	are	be	AUX
easat-8507	33	17	not	not	PART
easat-8507	33	18	the	the	DET
easat-8507	33	19	community	community	NOUN
easat-8507	33	20	's	's	PART
easat-8507	33	21	main	main	ADJ
easat-8507	33	22	financial	financial	ADJ
easat-8507	33	23	funding	funding	NOUN
easat-8507	33	24	and	and	CCONJ
easat-8507	33	25	financing	financing	NOUN
easat-8507	33	26	institutions	institution	NOUN
easat-8507	33	27	.	.	PUNCT
easat-8507	34	1	qris	qris	PROPN
easat-8507	34	2	was	be	AUX
easat-8507	34	3	utilized	utilize	VERB
easat-8507	34	4	by	by	ADP
easat-8507	34	5	over	over	ADP
easat-8507	34	6	51	51	NUM
easat-8507	34	7	million	million	NUM
easat-8507	34	8	users	user	NOUN
easat-8507	34	9	by	by	ADP
easat-8507	34	10	june	june	PROPN
easat-8507	34	11	2024	2024	NUM
easat-8507	34	12	,	,	PUNCT
easat-8507	34	13	a	a	DET
easat-8507	34	14	38	38	NUM
easat-8507	34	15	%	%	NOUN
easat-8507	34	16	increase	increase	NOUN
easat-8507	34	17	from	from	ADP
easat-8507	34	18	june	june	PROPN
easat-8507	34	19	2023	2023	NUM
easat-8507	35	1	[	[	X
easat-8507	35	2	11	11	NUM
easat-8507	35	3	]	]	PUNCT
easat-8507	35	4	.	.	PUNCT
easat-8507	36	1	between	between	ADP
easat-8507	36	2	2016	2016	NUM
easat-8507	36	3	and	and	CCONJ
easat-8507	36	4	2024	2024	NUM
easat-8507	36	5	,	,	PUNCT
easat-8507	36	6	79.5	79.5	NUM
easat-8507	36	7	%	%	NOUN
easat-8507	36	8	of	of	ADP
easat-8507	36	9	indonesians	indonesians	PROPN
easat-8507	36	10	were	be	AUX
easat-8507	36	11	online	online	ADJ
easat-8507	36	12	[	[	X
easat-8507	36	13	11	11	NUM
easat-8507	36	14	]	]	PUNCT
easat-8507	36	15	.	.	PUNCT
easat-8507	37	1	this	this	DET
easat-8507	37	2	instance	instance	NOUN
easat-8507	37	3	shows	show	VERB
easat-8507	37	4	how	how	SCONJ
easat-8507	37	5	digitization	digitization	NOUN
easat-8507	37	6	promises	promise	NOUN
easat-8507	37	7	are	be	AUX
easat-8507	37	8	not	not	PART
easat-8507	37	9	fulfilled	fulfil	VERB
easat-8507	37	10	by	by	ADP
easat-8507	37	11	digital	digital	ADJ
easat-8507	37	12	financial	financial	ADJ
easat-8507	37	13	services	service	NOUN
easat-8507	37	14	.	.	PUNCT
easat-8507	38	1	customers	customer	NOUN
easat-8507	38	2	choose	choose	VERB
easat-8507	38	3	digital	digital	ADJ
easat-8507	38	4	banks	bank	NOUN
easat-8507	38	5	due	due	ADP
easat-8507	38	6	to	to	ADP
easat-8507	38	7	brand	brand	NOUN
easat-8507	38	8	perception	perception	NOUN
easat-8507	38	9	,	,	PUNCT
easat-8507	38	10	promotions	promotion	NOUN
easat-8507	38	11	,	,	PUNCT
easat-8507	38	12	and	and	CCONJ
easat-8507	38	13	deals	deal	NOUN
easat-8507	38	14	.	.	PUNCT
easat-8507	39	1	price	price	NOUN
easat-8507	39	2	,	,	PUNCT
easat-8507	39	3	quality	quality	NOUN
easat-8507	39	4	,	,	PUNCT
easat-8507	39	5	and	and	CCONJ
easat-8507	39	6	other	other	ADJ
easat-8507	39	7	aspects	aspect	NOUN
easat-8507	39	8	impact	impact	NOUN
easat-8507	39	9	customer	customer	NOUN
easat-8507	39	10	expectations	expectation	NOUN
easat-8507	39	11	and	and	CCONJ
easat-8507	39	12	shape	shape	VERB
easat-8507	39	13	brand	brand	NOUN
easat-8507	39	14	impression	impression	NOUN
easat-8507	39	15	[	[	X
easat-8507	39	16	12	12	NUM
easat-8507	39	17	]	]	PUNCT
easat-8507	39	18	.	.	PUNCT
easat-8507	40	1	the	the	DET
easat-8507	40	2	reputation	reputation	NOUN
easat-8507	40	3	of	of	ADP
easat-8507	40	4	a	a	DET
easat-8507	40	5	corporation	corporation	NOUN
easat-8507	40	6	also	also	ADV
easat-8507	40	7	influences	influence	VERB
easat-8507	40	8	consumers	consumer	NOUN
easat-8507	40	9	'	'	PART
easat-8507	40	10	technology	technology	NOUN
easat-8507	40	11	-	-	PUNCT
easat-8507	40	12	based	base	VERB
easat-8507	40	13	financial	financial	ADJ
easat-8507	40	14	service	service	NOUN
easat-8507	40	15	choices	choice	NOUN
easat-8507	40	16	[	[	X
easat-8507	40	17	13	13	NUM
easat-8507	40	18	]	]	PUNCT
easat-8507	40	19	.	.	PUNCT
easat-8507	41	1	due	due	ADP
easat-8507	41	2	to	to	ADP
easat-8507	41	3	globalization	globalization	NOUN
easat-8507	41	4	,	,	PUNCT
easat-8507	41	5	consumers	consumer	NOUN
easat-8507	41	6	adopt	adopt	VERB
easat-8507	41	7	technologies	technology	NOUN
easat-8507	41	8	like	like	ADP
easat-8507	41	9	digital	digital	ADJ
easat-8507	41	10	banking	banking	NOUN
easat-8507	41	11	for	for	ADP
easat-8507	41	12	convenience	convenience	NOUN
easat-8507	41	13	,	,	PUNCT
easat-8507	41	14	usability	usability	NOUN
easat-8507	41	15	,	,	PUNCT
easat-8507	41	16	and	and	CCONJ
easat-8507	41	17	security	security	NOUN
easat-8507	41	18	[	[	X
easat-8507	41	19	2	2	NUM
easat-8507	41	20	]	]	PUNCT
easat-8507	41	21	.	.	PUNCT
easat-8507	42	1	when	when	SCONJ
easat-8507	42	2	embracing	embrace	VERB
easat-8507	42	3	mobile	mobile	ADJ
easat-8507	42	4	banking	banking	NOUN
easat-8507	42	5	,	,	PUNCT
easat-8507	42	6	users	user	NOUN
easat-8507	42	7	consider	consider	VERB
easat-8507	42	8	simplicity	simplicity	NOUN
easat-8507	42	9	of	of	ADP
easat-8507	42	10	use	use	NOUN
easat-8507	42	11	,	,	PUNCT
easat-8507	42	12	perceived	perceive	VERB
easat-8507	42	13	usefulness	usefulness	NOUN
easat-8507	42	14	,	,	PUNCT
easat-8507	42	15	and	and	CCONJ
easat-8507	42	16	service	service	NOUN
easat-8507	42	17	[	[	X
easat-8507	42	18	14	14	NUM
easat-8507	42	19	]	]	PUNCT
easat-8507	42	20	.	.	PUNCT
easat-8507	43	1	the	the	DET
easat-8507	43	2	planned	plan	VERB
easat-8507	43	3	behaviour	behaviour	NOUN
easat-8507	43	4	model	model	NOUN
easat-8507	43	5	that	that	PRON
easat-8507	43	6	drives	drive	VERB
easat-8507	43	7	customers	customer	NOUN
easat-8507	43	8	to	to	PART
easat-8507	43	9	buy	buy	VERB
easat-8507	43	10	(	(	PUNCT
easat-8507	43	11	purchase	purchase	NOUN
easat-8507	43	12	intention	intention	NOUN
easat-8507	43	13	)	)	PUNCT
easat-8507	43	14	is	be	AUX
easat-8507	43	15	heavily	heavily	ADV
easat-8507	43	16	influenced	influence	VERB
easat-8507	43	17	by	by	ADP
easat-8507	43	18	ease	ease	NOUN
easat-8507	43	19	of	of	ADP
easat-8507	43	20	use	use	NOUN
easat-8507	43	21	,	,	PUNCT
easat-8507	43	22	brand	brand	NOUN
easat-8507	43	23	perception	perception	NOUN
easat-8507	43	24	,	,	PUNCT
easat-8507	43	25	and	and	CCONJ
easat-8507	43	26	product	product	NOUN
easat-8507	43	27	cost	cost	NOUN
easat-8507	43	28	[	[	X
easat-8507	43	29	15	15	NUM
easat-8507	43	30	]	]	PUNCT
easat-8507	43	31	.	.	PUNCT
easat-8507	44	1	consumer	consumer	NOUN
easat-8507	44	2	purchase	purchase	NOUN
easat-8507	44	3	intention	intention	NOUN
easat-8507	44	4	is	be	AUX
easat-8507	44	5	influenced	influence	VERB
easat-8507	44	6	by	by	ADP
easat-8507	44	7	convenience	convenience	NOUN
easat-8507	44	8	,	,	PUNCT
easat-8507	44	9	social	social	ADJ
easat-8507	44	10	influence	influence	NOUN
easat-8507	44	11	,	,	PUNCT
easat-8507	44	12	habits	habit	NOUN
easat-8507	44	13	,	,	PUNCT
easat-8507	44	14	hedonic	hedonic	ADJ
easat-8507	44	15	motivation	motivation	NOUN
easat-8507	44	16	,	,	PUNCT
easat-8507	44	17	security	security	NOUN
easat-8507	44	18	,	,	PUNCT
easat-8507	44	19	and	and	CCONJ
easat-8507	44	20	personal	personal	ADJ
easat-8507	44	21	innovation	innovation	NOUN
easat-8507	44	22	[	[	X
easat-8507	44	23	16	16	NUM
easat-8507	44	24	]	]	PUNCT
easat-8507	44	25	.	.	PUNCT
easat-8507	45	1	the	the	DET
easat-8507	45	2	experience	experience	NOUN
easat-8507	45	3	of	of	ADP
easat-8507	45	4	using	use	VERB
easat-8507	45	5	electronic	electronic	ADJ
easat-8507	45	6	banking	banking	NOUN
easat-8507	45	7	significantly	significantly	ADV
easat-8507	45	8	impacts	impact	VERB
easat-8507	45	9	the	the	DET
easat-8507	45	10	perception	perception	NOUN
easat-8507	45	11	of	of	ADP
easat-8507	45	12	quality	quality	NOUN
easat-8507	45	13	and	and	CCONJ
easat-8507	45	14	value	value	NOUN
easat-8507	45	15	[	[	X
easat-8507	45	16	17	17	NUM
easat-8507	45	17	]	]	PUNCT
easat-8507	45	18	.	.	PUNCT
easat-8507	46	1	perceived	perceive	VERB
easat-8507	46	2	quality	quality	NOUN
easat-8507	46	3	is	be	AUX
easat-8507	46	4	the	the	DET
easat-8507	46	5	substantial	substantial	ADJ
easat-8507	46	6	value	value	NOUN
easat-8507	46	7	of	of	ADP
easat-8507	46	8	perceived	perceive	VERB
easat-8507	46	9	value	value	NOUN
easat-8507	46	10	and	and	CCONJ
easat-8507	46	11	includes	include	VERB
easat-8507	46	12	ease	ease	NOUN
easat-8507	46	13	of	of	ADP
easat-8507	46	14	transactions	transaction	NOUN
easat-8507	46	15	,	,	PUNCT
easat-8507	46	16	access	access	NOUN
easat-8507	46	17	,	,	PUNCT
easat-8507	46	18	and	and	CCONJ
easat-8507	46	19	performance	performance	NOUN
easat-8507	46	20	.	.	PUNCT
easat-8507	47	1	economic	economic	ADJ
easat-8507	47	2	value	value	NOUN
easat-8507	47	3	,	,	PUNCT
easat-8507	47	4	convenience	convenience	NOUN
easat-8507	47	5	of	of	ADP
easat-8507	47	6	use	use	NOUN
easat-8507	47	7	,	,	PUNCT
easat-8507	47	8	social	social	ADJ
easat-8507	47	9	impact	impact	NOUN
easat-8507	47	10	,	,	PUNCT
easat-8507	47	11	corporate	corporate	ADJ
easat-8507	47	12	reputation	reputation	NOUN
easat-8507	47	13	,	,	PUNCT
easat-8507	47	14	features	feature	NOUN
easat-8507	47	15	,	,	PUNCT
easat-8507	47	16	and	and	CCONJ
easat-8507	47	17	rewards	reward	VERB
easat-8507	47	18	strongly	strongly	ADV
easat-8507	47	19	influence	influence	VERB
easat-8507	47	20	the	the	DET
easat-8507	47	21	purchase	purchase	NOUN
easat-8507	47	22	intention	intention	NOUN
easat-8507	47	23	of	of	ADP
easat-8507	47	24	digitalonly	digitalonly	ADJ
easat-8507	47	25	banking	banking	NOUN
easat-8507	47	26	[	[	X
easat-8507	47	27	18	18	NUM
easat-8507	47	28	]	]	PUNCT
easat-8507	47	29	.	.	PUNCT
easat-8507	48	1	according	accord	VERB
easat-8507	48	2	to	to	ADP
easat-8507	48	3	kasmo	kasmo	PROPN
easat-8507	48	4	,	,	PUNCT
easat-8507	48	5	et	et	PROPN
easat-8507	48	6	al	al	PROPN
easat-8507	48	7	.	.	PUNCT
easat-8507	49	1	[	[	X
easat-8507	49	2	19	19	NUM
easat-8507	49	3	]	]	X
easat-8507	49	4	digital	digital	PROPN
easat-8507	49	5	bank	bank	NOUN
easat-8507	49	6	consumers	consumer	NOUN
easat-8507	49	7	value	value	VERB
easat-8507	49	8	convenience	convenience	NOUN
easat-8507	49	9	,	,	PUNCT
easat-8507	49	10	efficiency	efficiency	NOUN
easat-8507	49	11	,	,	PUNCT
easat-8507	49	12	and	and	CCONJ
easat-8507	49	13	confidence	confidence	NOUN
easat-8507	49	14	.	.	PUNCT
easat-8507	50	1	besides	besides	SCONJ
easat-8507	50	2	economic	economic	ADJ
easat-8507	50	3	efficiency	efficiency	NOUN
easat-8507	50	4	,	,	PUNCT
easat-8507	50	5	which	which	PRON
easat-8507	50	6	is	be	AUX
easat-8507	50	7	the	the	DET
easat-8507	50	8	value	value	NOUN
easat-8507	50	9	of	of	ADP
easat-8507	50	10	the	the	DET
easat-8507	50	11	benefits	benefit	NOUN
easat-8507	50	12	consumers	consumer	NOUN
easat-8507	50	13	get	get	VERB
easat-8507	50	14	from	from	ADP
easat-8507	50	15	using	use	VERB
easat-8507	50	16	digital	digital	ADJ
easat-8507	50	17	banks	bank	NOUN
easat-8507	50	18	in	in	ADP
easat-8507	50	19	terms	term	NOUN
easat-8507	50	20	of	of	ADP
easat-8507	50	21	saving	save	VERB
easat-8507	50	22	time	time	NOUN
easat-8507	50	23	,	,	PUNCT
easat-8507	50	24	energy	energy	NOUN
easat-8507	50	25	,	,	PUNCT
easat-8507	50	26	and	and	CCONJ
easat-8507	50	27	money	money	NOUN
easat-8507	50	28	,	,	PUNCT
easat-8507	50	29	security	security	NOUN
easat-8507	50	30	risk	risk	NOUN
easat-8507	50	31	from	from	ADP
easat-8507	50	32	personal	personal	ADJ
easat-8507	50	33	financial	financial	ADJ
easat-8507	50	34	data	data	NOUN
easat-8507	50	35	leaks	leak	NOUN
easat-8507	50	36	increases	increase	VERB
easat-8507	50	37	the	the	DET
easat-8507	50	38	perceived	perceive	VERB
easat-8507	50	39	risk	risk	NOUN
easat-8507	50	40	of	of	ADP
easat-8507	50	41	using	use	VERB
easat-8507	50	42	digital	digital	ADJ
easat-8507	50	43	banks	bank	NOUN
easat-8507	50	44	.	.	PUNCT
easat-8507	51	1	perceived	perceive	VERB
easat-8507	51	2	value	value	NOUN
easat-8507	51	3	mediates	mediate	VERB
easat-8507	51	4	various	various	ADJ
easat-8507	51	5	complex	complex	ADJ
easat-8507	51	6	factors	factor	NOUN
easat-8507	51	7	that	that	PRON
easat-8507	51	8	influence	influence	VERB
easat-8507	51	9	the	the	DET
easat-8507	51	10	intention	intention	NOUN
easat-8507	51	11	to	to	PART
easat-8507	51	12	adopt	adopt	VERB
easat-8507	51	13	digital	digital	ADJ
easat-8507	51	14	-	-	PUNCT
easat-8507	51	15	only	only	ADJ
easat-8507	51	16	banks	bank	NOUN
easat-8507	51	17	,	,	PUNCT
easat-8507	51	18	including	include	VERB
easat-8507	51	19	convenience	convenience	NOUN
easat-8507	51	20	,	,	PUNCT
easat-8507	51	21	economic	economic	ADJ
easat-8507	51	22	efficiency	efficiency	NOUN
easat-8507	51	23	,	,	PUNCT
easat-8507	51	24	functional	functional	ADJ
easat-8507	51	25	risk	risk	NOUN
easat-8507	51	26	,	,	PUNCT
easat-8507	51	27	security	security	NOUN
easat-8507	51	28	risk	risk	NOUN
easat-8507	51	29	,	,	PUNCT
easat-8507	51	30	critical	critical	ADJ
easat-8507	51	31	mass	mass	NOUN
easat-8507	51	32	,	,	PUNCT
easat-8507	51	33	number	number	NOUN
easat-8507	51	34	of	of	ADP
easat-8507	51	35	services	service	NOUN
easat-8507	51	36	,	,	PUNCT
easat-8507	51	37	trust	trust	NOUN
easat-8507	51	38	,	,	PUNCT
easat-8507	51	39	and	and	CCONJ
easat-8507	51	40	environmental	environmental	ADJ
easat-8507	51	41	concern	concern	NOUN
easat-8507	51	42	[	[	X
easat-8507	51	43	20	20	NUM
easat-8507	51	44	]	]	PUNCT
easat-8507	51	45	.	.	PUNCT
easat-8507	52	1	positive	positive	ADJ
easat-8507	52	2	product	product	NOUN
easat-8507	52	3	benefit	benefit	NOUN
easat-8507	52	4	assessments	assessment	NOUN
easat-8507	52	5	boost	boost	VERB
easat-8507	52	6	purchase	purchase	NOUN
easat-8507	52	7	intentions	intention	NOUN
easat-8507	52	8	and	and	CCONJ
easat-8507	52	9	positive	positive	ADJ
easat-8507	52	10	behaviour	behaviour	NOUN
easat-8507	52	11	[	[	X
easat-8507	52	12	21	21	NUM
easat-8507	52	13	]	]	PUNCT
easat-8507	52	14	.	.	PUNCT
easat-8507	53	1	according	accord	VERB
easat-8507	53	2	to	to	ADP
easat-8507	53	3	the	the	DET
easat-8507	53	4	background	background	NOUN
easat-8507	53	5	phenomena	phenomenon	NOUN
easat-8507	53	6	,	,	PUNCT
easat-8507	53	7	the	the	DET
easat-8507	53	8	push	push	NOUN
easat-8507	53	9	for	for	ADP
easat-8507	53	10	technological	technological	ADJ
easat-8507	53	11	innovation	innovation	NOUN
easat-8507	53	12	in	in	ADP
easat-8507	53	13	banking	banking	NOUN
easat-8507	53	14	products	product	NOUN
easat-8507	53	15	and	and	CCONJ
easat-8507	53	16	services	service	NOUN
easat-8507	53	17	,	,	PUNCT
easat-8507	53	18	combined	combine	VERB
easat-8507	53	19	with	with	ADP
easat-8507	53	20	increased	increase	VERB
easat-8507	53	21	internet	internet	NOUN
easat-8507	53	22	usage	usage	NOUN
easat-8507	53	23	,	,	PUNCT
easat-8507	53	24	the	the	DET
easat-8507	53	25	dynamics	dynamic	NOUN
easat-8507	53	26	of	of	ADP
easat-8507	53	27	social	social	ADJ
easat-8507	53	28	and	and	CCONJ
easat-8507	53	29	economic	economic	ADJ
easat-8507	53	30	life	life	NOUN
easat-8507	53	31	,	,	PUNCT
easat-8507	53	32	and	and	CCONJ
easat-8507	53	33	the	the	DET
easat-8507	53	34	push	push	NOUN
easat-8507	53	35	for	for	ADP
easat-8507	53	36	financial	financial	ADJ
easat-8507	53	37	inclusion	inclusion	NOUN
easat-8507	53	38	,	,	PUNCT
easat-8507	53	39	necessitate	necessitate	ADJ
easat-8507	53	40	a	a	DET
easat-8507	53	41	more	more	ADV
easat-8507	53	42	in	in	ADP
easat-8507	53	43	-	-	PUNCT
easat-8507	53	44	depth	depth	NOUN
easat-8507	53	45	understanding	understanding	NOUN
easat-8507	53	46	of	of	ADP
easat-8507	53	47	the	the	DET
easat-8507	53	48	factors	factor	NOUN
easat-8507	53	49	that	that	PRON
easat-8507	53	50	influence	influence	VERB
easat-8507	53	51	consumer	consumer	NOUN
easat-8507	53	52	behaviour	behaviour	NOUN
easat-8507	53	53	when	when	SCONJ
easat-8507	53	54	selecting	select	VERB
easat-8507	53	55	digital	digital	ADJ
easat-8507	53	56	banks	bank	NOUN
easat-8507	53	57	.	.	PUNCT
easat-8507	54	1	to	to	PART
easat-8507	54	2	promote	promote	VERB
easat-8507	54	3	the	the	DET
easat-8507	54	4	development	development	NOUN
easat-8507	54	5	of	of	ADP
easat-8507	54	6	digital	digital	ADJ
easat-8507	54	7	banks	bank	NOUN
easat-8507	54	8	,	,	PUNCT
easat-8507	54	9	research	research	NOUN
easat-8507	54	10	is	be	AUX
easat-8507	54	11	required	require	VERB
easat-8507	54	12	to	to	PART
easat-8507	54	13	determine	determine	VERB
easat-8507	54	14	the	the	DET
easat-8507	54	15	elements	element	NOUN
easat-8507	54	16	that	that	PRON
easat-8507	54	17	impact	impact	VERB
easat-8507	54	18	customer	customer	NOUN
easat-8507	54	19	inclinations	inclination	NOUN
easat-8507	54	20	to	to	PART
easat-8507	54	21	use	use	VERB
easat-8507	54	22	these	these	DET
easat-8507	54	23	services	service	NOUN
easat-8507	54	24	.	.	PUNCT
easat-8507	55	1	this	this	DET
easat-8507	55	2	study	study	NOUN
easat-8507	55	3	aims	aim	VERB
easat-8507	55	4	to	to	PART
easat-8507	55	5	analyse	analyse	VERB
easat-8507	55	6	consumer	consumer	NOUN
easat-8507	55	7	intentions	intention	NOUN
easat-8507	55	8	to	to	PART
easat-8507	55	9	use	use	VERB
easat-8507	55	10	digital	digital	ADJ
easat-8507	55	11	banking	banking	NOUN
easat-8507	55	12	based	base	VERB
easat-8507	55	13	on	on	ADP
easat-8507	55	14	the	the	DET
easat-8507	55	15	theory	theory	NOUN
easat-8507	55	16	of	of	ADP
easat-8507	55	17	planned	plan	VERB
easat-8507	55	18	behaviour	behaviour	NOUN
easat-8507	55	19	.	.	PUNCT
easat-8507	56	1	2	2	X
easat-8507	56	2	.	.	X
easat-8507	56	3	theoretical	theoretical	ADJ
easat-8507	56	4	framework	framework	NOUN
easat-8507	56	5	since	since	SCONJ
easat-8507	56	6	1935	1935	NUM
easat-8507	56	7	,	,	PUNCT
easat-8507	56	8	the	the	DET
easat-8507	56	9	consumer	consumer	NOUN
easat-8507	56	10	behaviour	behaviour	NOUN
easat-8507	56	11	model	model	NOUN
easat-8507	56	12	for	for	ADP
easat-8507	56	13	deciding	decide	VERB
easat-8507	56	14	which	which	DET
easat-8507	56	15	goods	good	NOUN
easat-8507	56	16	or	or	CCONJ
easat-8507	56	17	services	service	NOUN
easat-8507	56	18	to	to	PART
easat-8507	56	19	buy	buy	VERB
easat-8507	56	20	has	have	AUX
easat-8507	56	21	changed	change	VERB
easat-8507	56	22	.	.	PUNCT
easat-8507	57	1	the	the	DET
easat-8507	57	2	study	study	NOUN
easat-8507	57	3	of	of	ADP
easat-8507	57	4	consumer	consumer	NOUN
easat-8507	57	5	behaviour	behaviour	NOUN
easat-8507	57	6	was	be	AUX
easat-8507	57	7	greatly	greatly	ADV
easat-8507	57	8	advanced	advanced	ADJ
easat-8507	57	9	in	in	ADP
easat-8507	57	10	1980	1980	NUM
easat-8507	57	11	when	when	SCONJ
easat-8507	57	12	ajzen	ajzen	NOUN
easat-8507	57	13	and	and	CCONJ
easat-8507	57	14	fishbein	fishbein	PROPN
easat-8507	57	15	introduced	introduce	VERB
easat-8507	57	16	the	the	DET
easat-8507	57	17	theory	theory	NOUN
easat-8507	57	18	of	of	ADP
easat-8507	57	19	planned	plan	VERB
easat-8507	57	20	behaviour	behaviour	NOUN
easat-8507	57	21	.	.	PUNCT
easat-8507	58	1	this	this	DET
easat-8507	58	2	model	model	NOUN
easat-8507	58	3	makes	make	VERB
easat-8507	58	4	it	it	PRON
easat-8507	58	5	easier	easy	ADJ
easat-8507	58	6	to	to	PART
easat-8507	58	7	understand	understand	VERB
easat-8507	58	8	behavioural	behavioural	ADJ
easat-8507	58	9	determinants	determinant	NOUN
easat-8507	58	10	and	and	CCONJ
easat-8507	58	11	enables	enable	VERB
easat-8507	58	12	users	user	NOUN
easat-8507	58	13	to	to	PART
easat-8507	58	14	take	take	VERB
easat-8507	58	15	into	into	ADP
easat-8507	58	16	account	account	NOUN
easat-8507	58	17	factors	factor	NOUN
easat-8507	58	18	that	that	PRON
easat-8507	58	19	were	be	AUX
easat-8507	58	20	previously	previously	ADV
easat-8507	58	21	only	only	ADV
easat-8507	58	22	taken	take	VERB
easat-8507	58	23	into	into	ADP
easat-8507	58	24	consideration	consideration	NOUN
easat-8507	58	25	separately	separately	ADV
easat-8507	58	26	[	[	X
easat-8507	58	27	22	22	NUM
easat-8507	58	28	]	]	PUNCT
easat-8507	58	29	.	.	PUNCT
easat-8507	59	1	according	accord	VERB
easat-8507	59	2	to	to	ADP
easat-8507	59	3	reina	reina	NOUN
easat-8507	59	4	and	and	CCONJ
easat-8507	59	5	rodríguez	rodríguez	VERB
easat-8507	59	6	[	[	X
easat-8507	59	7	22	22	NUM
easat-8507	59	8	]	]	PUNCT
easat-8507	59	9	consumer	consumer	NOUN
easat-8507	59	10	behaviour	behaviour	NOUN
easat-8507	59	11	theory	theory	NOUN
easat-8507	59	12	made	make	VERB
easat-8507	59	13	a	a	DET
easat-8507	59	14	lot	lot	NOUN
easat-8507	59	15	of	of	ADP
easat-8507	59	16	progress	progress	NOUN
easat-8507	59	17	around	around	ADP
easat-8507	59	18	1990	1990	NUM
easat-8507	59	19	.	.	PUNCT
easat-8507	60	1	these	these	DET
easat-8507	60	2	advances	advance	NOUN
easat-8507	60	3	improved	improve	VERB
easat-8507	60	4	the	the	DET
easat-8507	60	5	behavioural	behavioural	ADJ
easat-8507	60	6	model	model	NOUN
easat-8507	60	7	by	by	ADP
easat-8507	60	8	creating	create	VERB
easat-8507	60	9	the	the	DET
easat-8507	60	10	idea	idea	NOUN
easat-8507	60	11	of	of	ADP
easat-8507	60	12	social	social	ADJ
easat-8507	60	13	and	and	CCONJ
easat-8507	60	14	behavioural	behavioural	ADJ
easat-8507	60	15	integration	integration	NOUN
easat-8507	60	16	,	,	PUNCT
easat-8507	60	17	proving	prove	VERB
easat-8507	60	18	that	that	SCONJ
easat-8507	60	19	there	there	PRON
easat-8507	60	20	is	be	VERB
easat-8507	60	21	a	a	DET
easat-8507	60	22	link	link	NOUN
easat-8507	60	23	between	between	ADP
easat-8507	60	24	behavioural	behavioural	ADJ
easat-8507	60	25	beliefs	belief	NOUN
easat-8507	60	26	,	,	PUNCT
easat-8507	60	27	attitudes	attitude	NOUN
easat-8507	60	28	,	,	PUNCT
easat-8507	60	29	subjective	subjective	ADJ
easat-8507	60	30	norms	norm	NOUN
easat-8507	60	31	,	,	PUNCT
easat-8507	60	32	and	and	CCONJ
easat-8507	60	33	behavioural	behavioural	ADJ
easat-8507	60	34	control	control	NOUN
easat-8507	60	35	,	,	PUNCT
easat-8507	60	36	and	and	CCONJ
easat-8507	60	37	using	use	VERB
easat-8507	60	38	this	this	DET
easat-8507	60	39	theory	theory	NOUN
easat-8507	60	40	in	in	ADP
easat-8507	60	41	many	many	ADJ
easat-8507	60	42	different	different	ADJ
easat-8507	60	43	areas	area	NOUN
easat-8507	60	44	of	of	ADP
easat-8507	60	45	life	life	NOUN
easat-8507	60	46	.	.	PUNCT
easat-8507	61	1	they	they	PRON
easat-8507	61	2	also	also	ADV
easat-8507	61	3	said	say	VERB
easat-8507	61	4	that	that	SCONJ
easat-8507	61	5	the	the	DET
easat-8507	61	6	way	way	NOUN
easat-8507	61	7	different	different	ADJ
easat-8507	61	8	factors	factor	NOUN
easat-8507	61	9	combine	combine	VERB
easat-8507	61	10	still	still	ADV
easat-8507	61	11	does	do	AUX
easat-8507	61	12	n't	not	PART
easat-8507	61	13	give	give	VERB
easat-8507	61	14	a	a	DET
easat-8507	61	15	better	well	ADJ
easat-8507	61	16	picture	picture	NOUN
easat-8507	61	17	of	of	ADP
easat-8507	61	18	how	how	SCONJ
easat-8507	61	19	people	people	NOUN
easat-8507	61	20	's	's	PART
easat-8507	61	21	goals	goal	NOUN
easat-8507	61	22	and	and	CCONJ
easat-8507	61	23	actions	action	NOUN
easat-8507	61	24	are	be	AUX
easat-8507	61	25	affected	affect	VERB
easat-8507	61	26	.	.	PUNCT
easat-8507	62	1	the	the	DET
easat-8507	62	2	theory	theory	NOUN
easat-8507	62	3	of	of	ADP
easat-8507	62	4	planned	plan	VERB
easat-8507	62	5	behaviour	behaviour	NOUN
easat-8507	62	6	was	be	AUX
easat-8507	62	7	looked	look	VERB
easat-8507	62	8	at	at	ADP
easat-8507	62	9	again	again	ADV
easat-8507	62	10	by	by	ADP
easat-8507	62	11	ajzen	ajzen	NOUN
easat-8507	62	12	[	[	X
easat-8507	62	13	23	23	NUM
easat-8507	62	14	]	]	PUNCT
easat-8507	62	15	who	who	PRON
easat-8507	62	16	added	add	VERB
easat-8507	62	17	the	the	DET
easat-8507	62	18	idea	idea	NOUN
easat-8507	62	19	of	of	ADP
easat-8507	62	20	perceived	perceive	VERB
easat-8507	62	21	behavioural	behavioural	ADJ
easat-8507	62	22	control	control	NOUN
easat-8507	62	23	to	to	ADP
easat-8507	62	24	it	it	PRON
easat-8507	62	25	.	.	PUNCT
easat-8507	63	1	this	this	PRON
easat-8507	63	2	was	be	AUX
easat-8507	63	3	thought	think	VERB
easat-8507	63	4	to	to	PART
easat-8507	63	5	give	give	VERB
easat-8507	63	6	a	a	DET
easat-8507	63	7	new	new	ADJ
easat-8507	63	8	perspective	perspective	NOUN
easat-8507	63	9	and	and	CCONJ
easat-8507	63	10	help	help	VERB
easat-8507	63	11	control	control	VERB
easat-8507	63	12	some	some	DET
easat-8507	63	13	behaviours	behaviour	NOUN
easat-8507	63	14	.	.	PUNCT
easat-8507	64	1	the	the	DET
easat-8507	64	2	theory	theory	NOUN
easat-8507	64	3	of	of	ADP
easat-8507	64	4	planned	plan	VERB
easat-8507	64	5	conduct	conduct	NOUN
easat-8507	64	6	is	be	AUX
easat-8507	64	7	an	an	DET
easat-8507	64	8	extension	extension	NOUN
easat-8507	64	9	of	of	ADP
easat-8507	64	10	the	the	DET
easat-8507	64	11	theory	theory	NOUN
easat-8507	64	12	of	of	ADP
easat-8507	64	13	reasoned	reasoned	ADJ
easat-8507	64	14	action	action	NOUN
easat-8507	64	15	,	,	PUNCT
easat-8507	64	16	which	which	PRON
easat-8507	64	17	maintains	maintain	VERB
easat-8507	64	18	that	that	SCONJ
easat-8507	64	19	the	the	DET
easat-8507	64	20	primary	primary	ADJ
easat-8507	64	21	driver	driver	NOUN
easat-8507	64	22	of	of	ADP
easat-8507	64	23	behaviour	behaviour	NOUN
easat-8507	64	24	is	be	AUX
easat-8507	64	25	personal	personal	ADJ
easat-8507	64	26	intention	intention	NOUN
easat-8507	64	27	.	.	PUNCT
easat-8507	65	1	it	it	PRON
easat-8507	65	2	holds	hold	VERB
easat-8507	65	3	that	that	SCONJ
easat-8507	65	4	the	the	DET
easat-8507	65	5	more	more	ADV
easat-8507	65	6	strongly	strongly	ADV
easat-8507	65	7	one	one	NUM
easat-8507	65	8	intends	intend	VERB
easat-8507	65	9	to	to	PART
easat-8507	65	10	participate	participate	VERB
easat-8507	65	11	in	in	ADP
easat-8507	65	12	a	a	DET
easat-8507	65	13	behaviour	behaviour	NOUN
easat-8507	65	14	,	,	PUNCT
easat-8507	65	15	the	the	DET
easat-8507	65	16	more	more	ADV
easat-8507	65	17	likely	likely	ADJ
easat-8507	65	18	one	one	NUM
easat-8507	65	19	is	be	AUX
easat-8507	65	20	to	to	PART
easat-8507	65	21	carry	carry	VERB
easat-8507	65	22	it	it	PRON
easat-8507	65	23	out	out	ADP
easat-8507	65	24	[	[	X
easat-8507	65	25	23	23	NUM
easat-8507	65	26	]	]	PUNCT
easat-8507	65	27	.	.	PUNCT
easat-8507	66	1	the	the	DET
easat-8507	66	2	theory	theory	NOUN
easat-8507	66	3	of	of	ADP
easat-8507	66	4	planned	plan	VERB
easat-8507	66	5	conduct	conduct	NOUN
easat-8507	66	6	,	,	PUNCT
easat-8507	66	7	2948	2948	NUM
easat-8507	66	8	edelweiss	edelweiss	PROPN
easat-8507	66	9	applied	apply	VERB
easat-8507	66	10	science	science	NOUN
easat-8507	66	11	and	and	CCONJ
easat-8507	66	12	technology	technology	NOUN
easat-8507	66	13	issn	issn	PROPN
easat-8507	66	14	:	:	PUNCT
easat-8507	66	15	2576	2576	NUM
easat-8507	66	16	-	-	SYM
easat-8507	66	17	8484	8484	NUM
easat-8507	66	18	vol	vol	NOUN
easat-8507	66	19	.	.	PROPN
easat-8507	67	1	9	9	NUM
easat-8507	67	2	,	,	PUNCT
easat-8507	67	3	no	no	INTJ
easat-8507	67	4	.	.	NOUN
easat-8507	67	5	6	6	NUM
easat-8507	67	6	:	:	SYM
easat-8507	67	7	2946	2946	NUM
easat-8507	67	8	-	-	SYM
easat-8507	67	9	2954	2954	NUM
easat-8507	67	10	,	,	PUNCT
easat-8507	67	11	2025	2025	NUM
easat-8507	67	12	doi	doi	NOUN
easat-8507	67	13	:	:	PUNCT
easat-8507	67	14	10.55214/25768484.v9i6.8507	10.55214/25768484.v9i6.8507	NUM
easat-8507	67	15	©	©	PROPN
easat-8507	67	16	2025	2025	NUM
easat-8507	67	17	by	by	ADP
easat-8507	67	18	the	the	DET
easat-8507	67	19	authors	author	NOUN
easat-8507	67	20	;	;	PUNCT
easat-8507	67	21	licensee	licensee	PROPN
easat-8507	67	22	learning	learning	NOUN
easat-8507	67	23	gate	gate	NOUN
easat-8507	67	24	according	accord	VERB
easat-8507	67	25	to	to	ADP
easat-8507	67	26	ajzen	ajzen	NOUN
easat-8507	67	27	[	[	X
easat-8507	67	28	23	23	NUM
easat-8507	67	29	]	]	PUNCT
easat-8507	67	30	is	be	AUX
easat-8507	67	31	theoretically	theoretically	ADV
easat-8507	67	32	based	base	VERB
easat-8507	67	33	on	on	ADP
easat-8507	67	34	a	a	DET
easat-8507	67	35	number	number	NOUN
easat-8507	67	36	of	of	ADP
easat-8507	67	37	attitudes	attitude	NOUN
easat-8507	67	38	—	—	PUNCT
easat-8507	67	39	attitude	attitude	NOUN
easat-8507	67	40	toward	toward	ADP
easat-8507	67	41	behaviour	behaviour	NOUN
easat-8507	67	42	,	,	PUNCT
easat-8507	67	43	subjective	subjective	ADJ
easat-8507	67	44	norm	norm	NOUN
easat-8507	67	45	,	,	PUNCT
easat-8507	67	46	and	and	CCONJ
easat-8507	67	47	perceived	perceive	VERB
easat-8507	67	48	behaviour	behaviour	NOUN
easat-8507	67	49	control	control	NOUN
easat-8507	67	50	—	—	PUNCT
easat-8507	67	51	that	that	PRON
easat-8507	67	52	can	can	AUX
easat-8507	67	53	forecast	forecast	VERB
easat-8507	67	54	human	human	ADJ
easat-8507	67	55	behaviour	behaviour	NOUN
easat-8507	67	56	in	in	ADP
easat-8507	67	57	identifying	identify	VERB
easat-8507	67	58	an	an	DET
easat-8507	67	59	intention	intention	NOUN
easat-8507	67	60	.	.	PUNCT
easat-8507	68	1	by	by	ADP
easat-8507	68	2	changing	change	VERB
easat-8507	68	3	one	one	NUM
easat-8507	68	4	of	of	ADP
easat-8507	68	5	the	the	DET
easat-8507	68	6	variables	variable	NOUN
easat-8507	68	7	,	,	PUNCT
easat-8507	68	8	namely	namely	ADV
easat-8507	68	9	product	product	NOUN
easat-8507	68	10	price	price	NOUN
easat-8507	68	11	,	,	PUNCT
easat-8507	68	12	to	to	ADP
easat-8507	68	13	product	product	NOUN
easat-8507	68	14	perceived	perceive	VERB
easat-8507	68	15	value	value	NOUN
easat-8507	68	16	,	,	PUNCT
easat-8507	68	17	the	the	DET
easat-8507	68	18	study	study	NOUN
easat-8507	68	19	's	's	PART
easat-8507	68	20	framework	framework	NOUN
easat-8507	68	21	makes	make	VERB
easat-8507	68	22	reference	reference	NOUN
easat-8507	68	23	to	to	ADP
easat-8507	68	24	earlier	early	ADJ
easat-8507	68	25	research	research	NOUN
easat-8507	68	26	by	by	ADP
easat-8507	68	27	tai	tai	PROPN
easat-8507	68	28	,	,	PUNCT
easat-8507	68	29	et	et	PROPN
easat-8507	68	30	al	al	PROPN
easat-8507	68	31	.	.	PUNCT
easat-8507	69	1	[	[	X
easat-8507	69	2	15	15	NUM
easat-8507	69	3	]	]	PUNCT
easat-8507	69	4	which	which	PRON
easat-8507	69	5	used	use	VERB
easat-8507	69	6	the	the	DET
easat-8507	69	7	theory	theory	NOUN
easat-8507	69	8	of	of	ADP
easat-8507	69	9	planned	plan	VERB
easat-8507	69	10	behaviour	behaviour	NOUN
easat-8507	69	11	as	as	ADP
easat-8507	69	12	a	a	DET
easat-8507	69	13	basis	basis	NOUN
easat-8507	69	14	to	to	PART
easat-8507	69	15	explain	explain	VERB
easat-8507	69	16	the	the	DET
easat-8507	69	17	factors	factor	NOUN
easat-8507	69	18	that	that	PRON
easat-8507	69	19	influence	influence	VERB
easat-8507	69	20	consumer	consumer	NOUN
easat-8507	69	21	intentions	intention	NOUN
easat-8507	69	22	to	to	PART
easat-8507	69	23	purchase	purchase	VERB
easat-8507	69	24	digital	digital	ADJ
easat-8507	69	25	banking	banking	NOUN
easat-8507	69	26	products	product	NOUN
easat-8507	69	27	and	and	CCONJ
easat-8507	69	28	services	service	NOUN
easat-8507	69	29	.	.	PUNCT
easat-8507	70	1	this	this	PRON
easat-8507	70	2	allows	allow	VERB
easat-8507	70	3	consumers	consumer	NOUN
easat-8507	70	4	to	to	PART
easat-8507	70	5	see	see	VERB
easat-8507	70	6	the	the	DET
easat-8507	70	7	benefits	benefit	NOUN
easat-8507	70	8	of	of	ADP
easat-8507	70	9	the	the	DET
easat-8507	70	10	value	value	NOUN
easat-8507	70	11	of	of	ADP
easat-8507	70	12	digital	digital	ADJ
easat-8507	70	13	banking	banking	NOUN
easat-8507	70	14	products	product	NOUN
easat-8507	70	15	and	and	CCONJ
easat-8507	70	16	services	service	NOUN
easat-8507	70	17	.	.	PUNCT
easat-8507	71	1	additionally	additionally	ADV
easat-8507	71	2	,	,	PUNCT
easat-8507	71	3	wang	wang	PROPN
easat-8507	71	4	and	and	CCONJ
easat-8507	71	5	butkouskaya	butkouskaya	NOUN
easat-8507	72	1	[	[	X
easat-8507	72	2	21	21	NUM
easat-8507	72	3	]	]	PUNCT
easat-8507	72	4	describes	describe	VERB
easat-8507	72	5	how	how	SCONJ
easat-8507	72	6	product	product	NOUN
easat-8507	72	7	pricing	pricing	NOUN
easat-8507	72	8	affects	affect	VERB
easat-8507	72	9	how	how	SCONJ
easat-8507	72	10	much	much	ADJ
easat-8507	72	11	buyers	buyer	NOUN
easat-8507	72	12	think	think	VERB
easat-8507	72	13	a	a	DET
easat-8507	72	14	product	product	NOUN
easat-8507	72	15	or	or	CCONJ
easat-8507	72	16	service	service	NOUN
easat-8507	72	17	is	be	AUX
easat-8507	72	18	worth	worth	ADJ
easat-8507	72	19	.	.	PUNCT
easat-8507	73	1	therefore	therefore	ADV
easat-8507	73	2	,	,	PUNCT
easat-8507	73	3	in	in	ADP
easat-8507	73	4	order	order	NOUN
easat-8507	73	5	to	to	PART
easat-8507	73	6	determine	determine	VERB
easat-8507	73	7	consumer	consumer	NOUN
easat-8507	73	8	purchase	purchase	NOUN
easat-8507	73	9	intention	intention	NOUN
easat-8507	73	10	in	in	ADP
easat-8507	73	11	adopting	adopt	VERB
easat-8507	73	12	digital	digital	ADJ
easat-8507	73	13	banking	banking	NOUN
easat-8507	73	14	,	,	PUNCT
easat-8507	73	15	this	this	DET
easat-8507	73	16	study	study	NOUN
easat-8507	73	17	will	will	AUX
easat-8507	73	18	evaluate	evaluate	VERB
easat-8507	73	19	the	the	DET
easat-8507	73	20	link	link	NOUN
easat-8507	73	21	between	between	ADP
easat-8507	73	22	the	the	DET
easat-8507	73	23	construct	construct	NOUN
easat-8507	73	24	factors	factor	NOUN
easat-8507	73	25	in	in	ADP
easat-8507	73	26	the	the	DET
easat-8507	73	27	theory	theory	NOUN
easat-8507	73	28	of	of	ADP
easat-8507	73	29	planned	plan	VERB
easat-8507	73	30	behaviour	behaviour	NOUN
easat-8507	73	31	and	and	CCONJ
easat-8507	73	32	the	the	DET
easat-8507	73	33	variables	variable	NOUN
easat-8507	73	34	of	of	ADP
easat-8507	73	35	ease	ease	NOUN
easat-8507	73	36	of	of	ADP
easat-8507	73	37	use	use	NOUN
easat-8507	73	38	,	,	PUNCT
easat-8507	73	39	product	product	NOUN
easat-8507	73	40	perceived	perceive	VERB
easat-8507	73	41	value	value	NOUN
easat-8507	73	42	,	,	PUNCT
easat-8507	73	43	and	and	CCONJ
easat-8507	73	44	brand	brand	NOUN
easat-8507	73	45	perception	perception	NOUN
easat-8507	73	46	(	(	PUNCT
easat-8507	73	47	figure	figure	NOUN
easat-8507	73	48	1	1	NUM
easat-8507	73	49	)	)	PUNCT
easat-8507	73	50	.	.	PUNCT
easat-8507	74	1	this	this	DET
easat-8507	74	2	study	study	NOUN
easat-8507	74	3	identifies	identify	VERB
easat-8507	74	4	ease	ease	NOUN
easat-8507	74	5	of	of	ADP
easat-8507	74	6	use	use	NOUN
easat-8507	74	7	(	(	PUNCT
easat-8507	74	8	eu	eu	NOUN
easat-8507	74	9	)	)	PUNCT
easat-8507	74	10	,	,	PUNCT
easat-8507	74	11	product	product	NOUN
easat-8507	74	12	perceived	perceive	VERB
easat-8507	74	13	value	value	NOUN
easat-8507	74	14	(	(	PUNCT
easat-8507	74	15	ppv	ppv	NOUN
easat-8507	74	16	)	)	PUNCT
easat-8507	74	17	,	,	PUNCT
easat-8507	74	18	and	and	CCONJ
easat-8507	74	19	brand	brand	NOUN
easat-8507	74	20	perception	perception	NOUN
easat-8507	74	21	(	(	PUNCT
easat-8507	74	22	bp	bp	PROPN
easat-8507	74	23	)	)	PUNCT
easat-8507	74	24	as	as	ADP
easat-8507	74	25	independent	independent	ADJ
easat-8507	74	26	variables	variable	NOUN
easat-8507	74	27	,	,	PUNCT
easat-8507	74	28	while	while	SCONJ
easat-8507	74	29	purchase	purchase	NOUN
easat-8507	74	30	intention	intention	NOUN
easat-8507	74	31	(	(	PUNCT
easat-8507	74	32	pi	pi	NOUN
easat-8507	74	33	)	)	PUNCT
easat-8507	74	34	serves	serve	VERB
easat-8507	74	35	as	as	ADP
easat-8507	74	36	the	the	DET
easat-8507	74	37	dependent	dependent	ADJ
easat-8507	74	38	variable	variable	NOUN
easat-8507	74	39	.	.	PUNCT
easat-8507	75	1	ease	ease	NOUN
easat-8507	75	2	of	of	ADP
easat-8507	75	3	use	use	NOUN
easat-8507	75	4	(	(	PUNCT
easat-8507	75	5	eu	eu	NOUN
easat-8507	75	6	)	)	PUNCT
easat-8507	75	7	denotes	denote	VERB
easat-8507	75	8	the	the	DET
easat-8507	75	9	degree	degree	NOUN
easat-8507	75	10	to	to	PART
easat-8507	75	11	which	which	PRON
easat-8507	75	12	the	the	DET
easat-8507	75	13	interface	interface	NOUN
easat-8507	75	14	between	between	ADP
easat-8507	75	15	the	the	DET
easat-8507	75	16	user	user	NOUN
easat-8507	75	17	and	and	CCONJ
easat-8507	75	18	the	the	DET
easat-8507	75	19	technology	technology	NOUN
easat-8507	75	20	facilitates	facilitate	VERB
easat-8507	75	21	interaction	interaction	NOUN
easat-8507	75	22	,	,	PUNCT
easat-8507	75	23	learning	learning	NOUN
easat-8507	75	24	,	,	PUNCT
easat-8507	75	25	retention	retention	NOUN
easat-8507	75	26	,	,	PUNCT
easat-8507	75	27	efficiency	efficiency	NOUN
easat-8507	75	28	,	,	PUNCT
easat-8507	75	29	and	and	CCONJ
easat-8507	75	30	accuracy	accuracy	NOUN
easat-8507	76	1	[	[	X
easat-8507	76	2	24	24	NUM
easat-8507	76	3	]	]	PUNCT
easat-8507	76	4	.	.	PUNCT
easat-8507	77	1	product	product	NOUN
easat-8507	77	2	perceived	perceive	VERB
easat-8507	77	3	value	value	NOUN
easat-8507	77	4	(	(	PUNCT
easat-8507	77	5	ppv	ppv	NOUN
easat-8507	77	6	)	)	PUNCT
easat-8507	77	7	is	be	AUX
easat-8507	77	8	a	a	DET
easat-8507	77	9	product	product	NOUN
easat-8507	77	10	's	's	PART
easat-8507	77	11	perceived	perceive	VERB
easat-8507	77	12	value	value	NOUN
easat-8507	77	13	that	that	PRON
easat-8507	77	14	directly	directly	ADV
easat-8507	77	15	affects	affect	VERB
easat-8507	77	16	financial	financial	ADJ
easat-8507	77	17	value	value	NOUN
easat-8507	77	18	and	and	CCONJ
easat-8507	77	19	represents	represent	VERB
easat-8507	77	20	consumer	consumer	NOUN
easat-8507	77	21	price	price	NOUN
easat-8507	77	22	perception	perception	NOUN
easat-8507	77	23	[	[	X
easat-8507	77	24	25	25	NUM
easat-8507	77	25	]	]	PUNCT
easat-8507	77	26	.	.	PUNCT
easat-8507	78	1	emerging	emerge	VERB
easat-8507	78	2	market	market	NOUN
easat-8507	78	3	consumers	consumer	NOUN
easat-8507	78	4	'	'	PART
easat-8507	78	5	digital	digital	ADJ
easat-8507	78	6	transaction	transaction	NOUN
easat-8507	78	7	intentions	intention	NOUN
easat-8507	78	8	depend	depend	VERB
easat-8507	78	9	on	on	ADP
easat-8507	78	10	brand	brand	NOUN
easat-8507	78	11	perception	perception	NOUN
easat-8507	78	12	[	[	X
easat-8507	78	13	26	26	NUM
easat-8507	78	14	]	]	PUNCT
easat-8507	78	15	.	.	PUNCT
easat-8507	79	1	table	table	NOUN
easat-8507	79	2	1	1	NUM
easat-8507	79	3	.	.	X
easat-8507	79	4	list	list	NOUN
easat-8507	79	5	of	of	ADP
easat-8507	79	6	research	research	NOUN
easat-8507	79	7	variables	variable	NOUN
easat-8507	79	8	.	.	PUNCT
easat-8507	80	1	constructs	construct	NOUN
easat-8507	80	2	indicators	indicator	NOUN
easat-8507	80	3	(	(	PUNCT
easat-8507	80	4	manifest	manifest	ADJ
easat-8507	80	5	variables	variable	NOUN
easat-8507	80	6	)	)	PUNCT
easat-8507	80	7	constructs	construct	VERB
easat-8507	80	8	indicators	indicator	NOUN
easat-8507	80	9	(	(	PUNCT
easat-8507	80	10	manifest	manifest	ADJ
easat-8507	80	11	variables	variable	NOUN
easat-8507	80	12	)	)	PUNCT
easat-8507	80	13	ease	ease	NOUN
easat-8507	80	14	of	of	ADP
easat-8507	80	15	use	use	NOUN
easat-8507	80	16	(	(	PUNCT
easat-8507	80	17	eu	eu	NOUN
easat-8507	80	18	)	)	PUNCT
easat-8507	80	19	easy	easy	ADJ
easat-8507	80	20	to	to	PART
easat-8507	80	21	download	download	VERB
easat-8507	80	22	(	(	PUNCT
easat-8507	80	23	eu1	eu1	NOUN
easat-8507	80	24	)	)	PUNCT
easat-8507	80	25	attitude	attitude	NOUN
easat-8507	80	26	(	(	PUNCT
easat-8507	80	27	a	a	X
easat-8507	80	28	)	)	PUNCT
easat-8507	80	29	good	good	ADJ
easat-8507	80	30	(	(	PUNCT
easat-8507	80	31	a1	a1	NOUN
easat-8507	80	32	)	)	PUNCT
easat-8507	80	33	easy	easy	ADJ
easat-8507	80	34	to	to	PART
easat-8507	80	35	operate	operate	VERB
easat-8507	80	36	(	(	PUNCT
easat-8507	80	37	eu2	eu2	NOUN
easat-8507	80	38	)	)	PUNCT
easat-8507	80	39	useful	useful	ADJ
easat-8507	80	40	(	(	PUNCT
easat-8507	80	41	a2	a2	PROPN
easat-8507	80	42	)	)	PUNCT
easat-8507	80	43	easy	easy	ADJ
easat-8507	80	44	to	to	PART
easat-8507	80	45	understand	understand	VERB
easat-8507	80	46	(	(	PUNCT
easat-8507	80	47	eu3	eu3	NOUN
easat-8507	80	48	)	)	PUNCT
easat-8507	80	49	pleasant	pleasant	ADJ
easat-8507	80	50	(	(	PUNCT
easat-8507	80	51	a3	a3	NOUN
easat-8507	80	52	)	)	PUNCT
easat-8507	80	53	efficient	efficient	ADJ
easat-8507	80	54	(	(	PUNCT
easat-8507	80	55	eu4	eu4	NOUN
easat-8507	80	56	)	)	PUNCT
easat-8507	80	57	important	important	ADJ
easat-8507	80	58	(	(	PUNCT
easat-8507	80	59	a4	a4	NOUN
easat-8507	80	60	)	)	PUNCT
easat-8507	80	61	productive	productive	ADJ
easat-8507	80	62	(	(	PUNCT
easat-8507	80	63	eu5	eu5	NOUN
easat-8507	80	64	)	)	PUNCT
easat-8507	80	65	beneficial	beneficial	ADJ
easat-8507	80	66	(	(	PUNCT
easat-8507	80	67	a5	a5	PROPN
easat-8507	80	68	)	)	PUNCT
easat-8507	80	69	doing	do	VERB
easat-8507	80	70	by	by	ADP
easat-8507	80	71	itself	itself	PRON
easat-8507	80	72	(	(	PUNCT
easat-8507	80	73	eu6	eu6	PROPN
easat-8507	80	74	)	)	PUNCT
easat-8507	80	75	subjective	subjective	ADJ
easat-8507	80	76	norms	norm	NOUN
easat-8507	80	77	(	(	PUNCT
easat-8507	80	78	sn	sn	NOUN
easat-8507	80	79	)	)	PUNCT
easat-8507	80	80	peer	peer	NOUN
easat-8507	80	81	(	(	PUNCT
easat-8507	80	82	sn1	sn1	PROPN
easat-8507	80	83	)	)	PUNCT
easat-8507	80	84	using	use	VERB
easat-8507	80	85	manual	manual	NOUN
easat-8507	80	86	or	or	CCONJ
easat-8507	80	87	online	online	ADJ
easat-8507	80	88	help	help	NOUN
easat-8507	80	89	(	(	PUNCT
easat-8507	80	90	eu7	eu7	NOUN
easat-8507	80	91	)	)	PUNCT
easat-8507	80	92	superior	superior	PROPN
easat-8507	80	93	(	(	PUNCT
easat-8507	80	94	sn2	sn2	PROPN
easat-8507	80	95	)	)	PUNCT
easat-8507	80	96	product	product	NOUN
easat-8507	80	97	perceived	perceive	VERB
easat-8507	80	98	value	value	NOUN
easat-8507	80	99	(	(	PUNCT
easat-8507	80	100	ppv	ppv	NOUN
easat-8507	80	101	)	)	PUNCT
easat-8507	80	102	quality	quality	NOUN
easat-8507	80	103	(	(	PUNCT
easat-8507	80	104	ppv1	ppv1	PROPN
easat-8507	80	105	)	)	PUNCT
easat-8507	80	106	family	family	NOUN
easat-8507	80	107	(	(	PUNCT
easat-8507	80	108	sn3	sn3	PROPN
easat-8507	80	109	)	)	PUNCT
easat-8507	80	110	price	price	NOUN
easat-8507	80	111	(	(	PUNCT
easat-8507	80	112	ppv2	ppv2	PROPN
easat-8507	80	113	)	)	PUNCT
easat-8507	80	114	personal	personal	ADJ
easat-8507	80	115	(	(	PUNCT
easat-8507	80	116	sn4	sn4	NOUN
easat-8507	80	117	)	)	PUNCT
easat-8507	80	118	status	status	NOUN
easat-8507	80	119	of	of	ADP
easat-8507	80	120	product	product	NOUN
easat-8507	80	121	&	&	CCONJ
easat-8507	80	122	service	service	PROPN
easat-8507	80	123	(	(	PUNCT
easat-8507	80	124	ppv3	ppv3	PROPN
easat-8507	80	125	)	)	PUNCT
easat-8507	80	126	perceived	perceive	VERB
easat-8507	80	127	behaviour	behaviour	NOUN
easat-8507	80	128	control	control	NOUN
easat-8507	80	129	(	(	PUNCT
easat-8507	80	130	pbc	pbc	PROPN
easat-8507	80	131	)	)	PUNCT
easat-8507	80	132	independent	independent	ADJ
easat-8507	80	133	decision	decision	NOUN
easat-8507	80	134	(	(	PUNCT
easat-8507	80	135	pbc1	pbc1	X
easat-8507	80	136	)	)	PUNCT
easat-8507	80	137	emotional	emotional	ADJ
easat-8507	80	138	response	response	NOUN
easat-8507	80	139	(	(	PUNCT
easat-8507	80	140	ppv4	ppv4	PROPN
easat-8507	80	141	&	&	CCONJ
easat-8507	80	142	ppv5	ppv5	PROPN
easat-8507	80	143	)	)	PUNCT
easat-8507	80	144	financial	financial	ADJ
easat-8507	80	145	capability	capability	NOUN
easat-8507	80	146	(	(	PUNCT
easat-8507	80	147	pbc2	pbc2	NOUN
easat-8507	80	148	)	)	PUNCT
easat-8507	80	149	brand	brand	NOUN
easat-8507	80	150	perception	perception	NOUN
easat-8507	80	151	(	(	PUNCT
easat-8507	80	152	bp	bp	PROPN
easat-8507	80	153	)	)	PUNCT
easat-8507	80	154	foreign	foreign	ADJ
easat-8507	80	155	brand	brand	NOUN
easat-8507	80	156	(	(	PUNCT
easat-8507	80	157	bp1	bp1	PROPN
easat-8507	80	158	)	)	PUNCT
easat-8507	80	159	complete	complete	ADJ
easat-8507	80	160	information	information	NOUN
easat-8507	80	161	(	(	PUNCT
easat-8507	80	162	pbc3	pbc3	PROPN
easat-8507	80	163	)	)	PUNCT
easat-8507	80	164	best	good	ADJ
easat-8507	80	165	quality	quality	NOUN
easat-8507	80	166	brand	brand	NOUN
easat-8507	80	167	(	(	PUNCT
easat-8507	80	168	bp2	bp2	NOUN
easat-8507	80	169	)	)	PUNCT
easat-8507	80	170	availability	availability	NOUN
easat-8507	80	171	(	(	PUNCT
easat-8507	80	172	pbc4	pbc4	NOUN
easat-8507	80	173	)	)	PUNCT
easat-8507	80	174	unknown	unknown	ADJ
easat-8507	80	175	brand	brand	NOUN
easat-8507	80	176	(	(	PUNCT
easat-8507	80	177	bp3	bp3	NOUN
easat-8507	80	178	)	)	PUNCT
easat-8507	80	179	buying	buying	NOUN
easat-8507	80	180	decision	decision	NOUN
easat-8507	80	181	(	(	PUNCT
easat-8507	80	182	pbc5	pbc5	NOUN
easat-8507	80	183	)	)	PUNCT
easat-8507	80	184	best	well	ADV
easat-8507	80	185	-	-	PUNCT
easat-8507	80	186	selling	sell	VERB
easat-8507	80	187	brand	brand	NOUN
easat-8507	80	188	(	(	PUNCT
easat-8507	80	189	bp4	bp4	NOUN
easat-8507	80	190	)	)	PUNCT
easat-8507	80	191	purchase	purchase	NOUN
easat-8507	80	192	intention	intention	NOUN
easat-8507	80	193	(	(	PUNCT
easat-8507	80	194	pi	pi	NOUN
easat-8507	80	195	)	)	PUNCT
easat-8507	80	196	consider	consider	VERB
easat-8507	80	197	(	(	PUNCT
easat-8507	80	198	pi1	pi1	NOUN
easat-8507	80	199	)	)	PUNCT
easat-8507	80	200	well	well	ADV
easat-8507	80	201	-	-	PUNCT
easat-8507	80	202	known	know	VERB
easat-8507	80	203	brand	brand	NOUN
easat-8507	80	204	(	(	PUNCT
easat-8507	80	205	bp5	bp5	PROPN
easat-8507	80	206	)	)	PUNCT
easat-8507	80	207	recommend	recommend	VERB
easat-8507	80	208	(	(	PUNCT
easat-8507	80	209	pi2	pi2	NOUN
easat-8507	80	210	)	)	PUNCT
easat-8507	80	211	brand	brand	NOUN
easat-8507	80	212	influence	influence	NOUN
easat-8507	80	213	(	(	PUNCT
easat-8507	80	214	bp6	bp6	NOUN
easat-8507	80	215	)	)	PUNCT
easat-8507	80	216	buy	buy	VERB
easat-8507	80	217	(	(	PUNCT
easat-8507	80	218	pi3	pi3	NOUN
easat-8507	80	219	)	)	PUNCT
easat-8507	80	220	brand	brand	NOUN
easat-8507	80	221	of	of	ADP
easat-8507	80	222	product	product	NOUN
easat-8507	80	223	(	(	PUNCT
easat-8507	80	224	bp7	bp7	NOUN
easat-8507	80	225	)	)	PUNCT
easat-8507	80	226	delay	delay	NOUN
easat-8507	80	227	(	(	PUNCT
easat-8507	80	228	pi4	pi4	PROPN
easat-8507	80	229	)	)	PUNCT
easat-8507	80	230	the	the	DET
easat-8507	80	231	intervening	intervene	VERB
easat-8507	80	232	variables	variable	NOUN
easat-8507	80	233	consist	consist	VERB
easat-8507	80	234	of	of	ADP
easat-8507	80	235	the	the	DET
easat-8507	80	236	components	component	NOUN
easat-8507	80	237	of	of	ADP
easat-8507	80	238	the	the	DET
easat-8507	80	239	theory	theory	NOUN
easat-8507	80	240	of	of	ADP
easat-8507	80	241	planned	planned	ADJ
easat-8507	80	242	behaviour	behaviour	NOUN
easat-8507	80	243	:	:	PUNCT
easat-8507	80	244	attitude	attitude	NOUN
easat-8507	80	245	(	(	PUNCT
easat-8507	80	246	a	a	X
easat-8507	80	247	)	)	PUNCT
easat-8507	80	248	,	,	PUNCT
easat-8507	80	249	subjective	subjective	ADJ
easat-8507	80	250	norm	norm	NOUN
easat-8507	80	251	(	(	PUNCT
easat-8507	80	252	sn	sn	NOUN
easat-8507	80	253	)	)	PUNCT
easat-8507	80	254	,	,	PUNCT
easat-8507	80	255	and	and	CCONJ
easat-8507	80	256	perceived	perceive	VERB
easat-8507	80	257	behavioural	behavioural	ADJ
easat-8507	80	258	control	control	NOUN
easat-8507	80	259	(	(	PUNCT
easat-8507	80	260	pbc	pbc	PROPN
easat-8507	80	261	)	)	PUNCT
easat-8507	80	262	,	,	PUNCT
easat-8507	80	263	which	which	PRON
easat-8507	80	264	collectively	collectively	ADV
easat-8507	80	265	constitute	constitute	VERB
easat-8507	80	266	planned	plan	VERB
easat-8507	80	267	behaviour	behaviour	NOUN
easat-8507	80	268	.	.	PUNCT
easat-8507	81	1	the	the	DET
easat-8507	81	2	indicators	indicator	NOUN
easat-8507	81	3	,	,	PUNCT
easat-8507	81	4	or	or	CCONJ
easat-8507	81	5	manifest	manifest	ADJ
easat-8507	81	6	variables	variable	NOUN
easat-8507	81	7	,	,	PUNCT
easat-8507	81	8	for	for	ADP
easat-8507	81	9	each	each	DET
easat-8507	81	10	construct	construct	NOUN
easat-8507	81	11	variable	variable	NOUN
easat-8507	81	12	are	be	AUX
easat-8507	81	13	the	the	DET
easat-8507	81	14	directly	directly	ADV
easat-8507	81	15	measured	measure	VERB
easat-8507	81	16	variables	variable	NOUN
easat-8507	81	17	that	that	PRON
easat-8507	81	18	comprise	comprise	VERB
easat-8507	81	19	the	the	DET
easat-8507	81	20	raw	raw	ADJ
easat-8507	81	21	data	datum	NOUN
easat-8507	81	22	.	.	PUNCT
easat-8507	82	1	specifically	specifically	ADV
easat-8507	82	2	,	,	PUNCT
easat-8507	82	3	the	the	DET
easat-8507	82	4	seven	seven	NUM
easat-8507	82	5	constructs	construct	NOUN
easat-8507	82	6	(	(	PUNCT
easat-8507	82	7	latent	latent	NOUN
easat-8507	82	8	variables	variable	NOUN
easat-8507	82	9	)	)	PUNCT
easat-8507	82	10	are	be	AUX
easat-8507	82	11	measured	measure	VERB
easat-8507	82	12	by	by	ADP
easat-8507	82	13	32	32	NUM
easat-8507	82	14	formative	formative	ADJ
easat-8507	82	15	indicators	indicator	NOUN
easat-8507	82	16	and	and	CCONJ
easat-8507	82	17	4	4	NUM
easat-8507	82	18	reflective	reflective	ADJ
easat-8507	82	19	indicators	indicator	NOUN
easat-8507	82	20	that	that	PRON
easat-8507	82	21	have	have	AUX
easat-8507	82	22	been	be	AUX
easat-8507	82	23	derived	derive	VERB
easat-8507	82	24	from	from	ADP
easat-8507	82	25	literature	literature	NOUN
easat-8507	82	26	(	(	PUNCT
easat-8507	82	27	tabel	tabel	NOUN
easat-8507	82	28	1	1	NUM
easat-8507	82	29	)	)	PUNCT
easat-8507	82	30	.	.	PUNCT
easat-8507	83	1	furthermore	furthermore	ADV
easat-8507	83	2	,	,	PUNCT
easat-8507	83	3	by	by	ADP
easat-8507	83	4	examining	examine	VERB
easat-8507	83	5	the	the	DET
easat-8507	83	6	link	link	NOUN
easat-8507	83	7	between	between	ADP
easat-8507	83	8	construct	construct	VERB
easat-8507	83	9	variables	variable	NOUN
easat-8507	83	10	as	as	SCONJ
easat-8507	83	11	illustrated	illustrate	VERB
easat-8507	83	12	by	by	ADP
easat-8507	83	13	the	the	DET
easat-8507	83	14	research	research	NOUN
easat-8507	83	15	framework	framework	NOUN
easat-8507	83	16	in	in	ADP
easat-8507	83	17	figure	figure	NOUN
easat-8507	83	18	1	1	NUM
easat-8507	83	19	,	,	PUNCT
easat-8507	83	20	this	this	DET
easat-8507	83	21	study	study	NOUN
easat-8507	83	22	will	will	AUX
easat-8507	83	23	examine	examine	VERB
easat-8507	83	24	the	the	DET
easat-8507	83	25	following	follow	VERB
easat-8507	83	26	twelve	twelve	NUM
easat-8507	83	27	hypotheses	hypothesis	NOUN
easat-8507	83	28	:	:	PUNCT
easat-8507	83	29	i.	i.	PROPN
easat-8507	83	30	h1	h1	PROPN
easat-8507	83	31	:	:	PUNCT
easat-8507	83	32	ease	ease	NOUN
easat-8507	83	33	of	of	ADP
easat-8507	83	34	use	use	NOUN
easat-8507	83	35	(	(	PUNCT
easat-8507	83	36	eu	eu	NOUN
easat-8507	83	37	)	)	PUNCT
easat-8507	83	38	has	have	VERB
easat-8507	83	39	a	a	DET
easat-8507	83	40	positive	positive	ADJ
easat-8507	83	41	and	and	CCONJ
easat-8507	83	42	significant	significant	ADJ
easat-8507	83	43	effect	effect	NOUN
easat-8507	83	44	on	on	ADP
easat-8507	83	45	attitude	attitude	NOUN
easat-8507	83	46	(	(	PUNCT
easat-8507	83	47	a	a	NOUN
easat-8507	83	48	)	)	PUNCT
easat-8507	83	49	.	.	PUNCT
easat-8507	84	1	ii	ii	PROPN
easat-8507	84	2	.	.	PUNCT
easat-8507	84	3	h2	h2	PROPN
easat-8507	84	4	:	:	PUNCT
easat-8507	84	5	ease	ease	NOUN
easat-8507	84	6	of	of	ADP
easat-8507	84	7	use	use	NOUN
easat-8507	84	8	(	(	PUNCT
easat-8507	84	9	eu	eu	NOUN
easat-8507	84	10	)	)	PUNCT
easat-8507	84	11	has	have	VERB
easat-8507	84	12	a	a	DET
easat-8507	84	13	positive	positive	ADJ
easat-8507	84	14	and	and	CCONJ
easat-8507	84	15	significant	significant	ADJ
easat-8507	84	16	effect	effect	NOUN
easat-8507	84	17	on	on	ADP
easat-8507	84	18	subjective	subjective	ADJ
easat-8507	84	19	norms	norm	NOUN
easat-8507	84	20	(	(	PUNCT
easat-8507	84	21	sn	sn	NOUN
easat-8507	84	22	)	)	PUNCT
easat-8507	84	23	.	.	PUNCT
easat-8507	85	1	iii	iii	X
easat-8507	85	2	.	.	PUNCT
easat-8507	85	3	h3	h3	NOUN
easat-8507	85	4	:	:	PUNCT
easat-8507	85	5	ease	ease	NOUN
easat-8507	85	6	of	of	ADP
easat-8507	85	7	use	use	NOUN
easat-8507	85	8	(	(	PUNCT
easat-8507	85	9	eu	eu	NOUN
easat-8507	85	10	)	)	PUNCT
easat-8507	85	11	has	have	VERB
easat-8507	85	12	a	a	DET
easat-8507	85	13	positive	positive	ADJ
easat-8507	85	14	and	and	CCONJ
easat-8507	85	15	significant	significant	ADJ
easat-8507	85	16	effect	effect	NOUN
easat-8507	85	17	on	on	ADP
easat-8507	85	18	perceived	perceive	VERB
easat-8507	85	19	behavioural	behavioural	ADJ
easat-8507	85	20	control	control	NOUN
easat-8507	85	21	(	(	PUNCT
easat-8507	85	22	pbc	pbc	PROPN
easat-8507	85	23	)	)	PUNCT
easat-8507	85	24	.	.	PUNCT
easat-8507	86	1	2949	2949	NUM
easat-8507	86	2	edelweiss	edelweiss	PROPN
easat-8507	86	3	applied	apply	VERB
easat-8507	86	4	science	science	NOUN
easat-8507	86	5	and	and	CCONJ
easat-8507	86	6	technology	technology	NOUN
easat-8507	86	7	issn	issn	PROPN
easat-8507	86	8	:	:	PUNCT
easat-8507	86	9	2576	2576	NUM
easat-8507	86	10	-	-	SYM
easat-8507	86	11	8484	8484	NUM
easat-8507	86	12	vol	vol	NOUN
easat-8507	86	13	.	.	PROPN
easat-8507	87	1	9	9	NUM
easat-8507	87	2	,	,	PUNCT
easat-8507	87	3	no	no	INTJ
easat-8507	87	4	.	.	NOUN
easat-8507	87	5	6	6	NUM
easat-8507	87	6	:	:	SYM
easat-8507	87	7	2946	2946	NUM
easat-8507	87	8	-	-	SYM
easat-8507	87	9	2954	2954	NUM
easat-8507	87	10	,	,	PUNCT
easat-8507	87	11	2025	2025	NUM
easat-8507	87	12	doi	doi	NOUN
easat-8507	87	13	:	:	PUNCT
easat-8507	87	14	10.55214/25768484.v9i6.8507	10.55214/25768484.v9i6.8507	NUM
easat-8507	87	15	©	©	PROPN
easat-8507	87	16	2025	2025	NUM
easat-8507	87	17	by	by	ADP
easat-8507	87	18	the	the	DET
easat-8507	87	19	authors	author	NOUN
easat-8507	87	20	;	;	PUNCT
easat-8507	87	21	licensee	licensee	PROPN
easat-8507	87	22	learning	learn	VERB
easat-8507	87	23	gate	gate	PROPN
easat-8507	87	24	iv	iv	PROPN
easat-8507	87	25	.	.	PUNCT
easat-8507	88	1	h4	h4	PROPN
easat-8507	88	2	:	:	PUNCT
easat-8507	88	3	product	product	NOUN
easat-8507	88	4	perceived	perceive	VERB
easat-8507	88	5	value	value	NOUN
easat-8507	88	6	(	(	PUNCT
easat-8507	88	7	ppv	ppv	NOUN
easat-8507	88	8	)	)	PUNCT
easat-8507	88	9	has	have	VERB
easat-8507	88	10	a	a	DET
easat-8507	88	11	positive	positive	ADJ
easat-8507	88	12	and	and	CCONJ
easat-8507	88	13	significant	significant	ADJ
easat-8507	88	14	effect	effect	NOUN
easat-8507	88	15	on	on	ADP
easat-8507	88	16	attitude	attitude	NOUN
easat-8507	88	17	(	(	PUNCT
easat-8507	88	18	a	a	NOUN
easat-8507	88	19	)	)	PUNCT
easat-8507	88	20	.	.	PUNCT
easat-8507	89	1	v.	v.	ADP
easat-8507	89	2	h5	h5	PROPN
easat-8507	89	3	:	:	PUNCT
easat-8507	89	4	product	product	NOUN
easat-8507	89	5	perceived	perceive	VERB
easat-8507	89	6	value	value	NOUN
easat-8507	89	7	(	(	PUNCT
easat-8507	89	8	ppv	ppv	NOUN
easat-8507	89	9	)	)	PUNCT
easat-8507	89	10	has	have	VERB
easat-8507	89	11	a	a	DET
easat-8507	89	12	positive	positive	ADJ
easat-8507	89	13	and	and	CCONJ
easat-8507	89	14	significant	significant	ADJ
easat-8507	89	15	effect	effect	NOUN
easat-8507	89	16	on	on	ADP
easat-8507	89	17	subjective	subjective	ADJ
easat-8507	89	18	norms	norm	NOUN
easat-8507	89	19	(	(	PUNCT
easat-8507	89	20	sn	sn	NOUN
easat-8507	89	21	)	)	PUNCT
easat-8507	89	22	.	.	PUNCT
easat-8507	90	1	vi	vi	X
easat-8507	90	2	.	.	PUNCT
easat-8507	91	1	h6	h6	NOUN
easat-8507	91	2	:	:	PUNCT
easat-8507	91	3	product	product	NOUN
easat-8507	91	4	perceived	perceive	VERB
easat-8507	91	5	value	value	NOUN
easat-8507	91	6	(	(	PUNCT
easat-8507	91	7	ppv	ppv	NOUN
easat-8507	91	8	)	)	PUNCT
easat-8507	91	9	has	have	VERB
easat-8507	91	10	a	a	DET
easat-8507	91	11	positive	positive	ADJ
easat-8507	91	12	and	and	CCONJ
easat-8507	91	13	significant	significant	ADJ
easat-8507	91	14	effect	effect	NOUN
easat-8507	91	15	on	on	ADP
easat-8507	91	16	perceived	perceive	VERB
easat-8507	91	17	behavioural	behavioural	ADJ
easat-8507	91	18	control	control	NOUN
easat-8507	91	19	(	(	PUNCT
easat-8507	91	20	pbc	pbc	PROPN
easat-8507	91	21	)	)	PUNCT
easat-8507	91	22	.	.	PUNCT
easat-8507	92	1	vii	vii	PROPN
easat-8507	92	2	.	.	PUNCT
easat-8507	92	3	h7	h7	PROPN
easat-8507	92	4	:	:	PUNCT
easat-8507	92	5	brand	brand	NOUN
easat-8507	92	6	perception	perception	NOUN
easat-8507	92	7	(	(	PUNCT
easat-8507	92	8	bp	bp	PROPN
easat-8507	92	9	)	)	PUNCT
easat-8507	92	10	has	have	VERB
easat-8507	92	11	a	a	DET
easat-8507	92	12	positive	positive	ADJ
easat-8507	92	13	and	and	CCONJ
easat-8507	92	14	significant	significant	ADJ
easat-8507	92	15	effect	effect	NOUN
easat-8507	92	16	on	on	ADP
easat-8507	92	17	attitude	attitude	NOUN
easat-8507	92	18	(	(	PUNCT
easat-8507	92	19	a	a	NOUN
easat-8507	92	20	)	)	PUNCT
easat-8507	92	21	.	.	PUNCT
easat-8507	93	1	viii	viii	PROPN
easat-8507	93	2	.	.	PUNCT
easat-8507	94	1	h8	h8	PROPN
easat-8507	94	2	:	:	PUNCT
easat-8507	94	3	brand	brand	NOUN
easat-8507	94	4	perception	perception	NOUN
easat-8507	94	5	(	(	PUNCT
easat-8507	94	6	bp	bp	PROPN
easat-8507	94	7	)	)	PUNCT
easat-8507	94	8	has	have	VERB
easat-8507	94	9	a	a	DET
easat-8507	94	10	positive	positive	ADJ
easat-8507	94	11	and	and	CCONJ
easat-8507	94	12	significant	significant	ADJ
easat-8507	94	13	effect	effect	NOUN
easat-8507	94	14	on	on	ADP
easat-8507	94	15	subjective	subjective	ADJ
easat-8507	94	16	norms	norm	NOUN
easat-8507	94	17	(	(	PUNCT
easat-8507	94	18	sn	sn	NOUN
easat-8507	94	19	)	)	PUNCT
easat-8507	94	20	.	.	PUNCT
easat-8507	95	1	ix	ix	PROPN
easat-8507	95	2	.	.	PUNCT
easat-8507	95	3	h9	h9	PROPN
easat-8507	95	4	:	:	PUNCT
easat-8507	95	5	brand	brand	NOUN
easat-8507	95	6	perception	perception	NOUN
easat-8507	95	7	(	(	PUNCT
easat-8507	95	8	bp	bp	PROPN
easat-8507	95	9	)	)	PUNCT
easat-8507	95	10	has	have	VERB
easat-8507	95	11	a	a	DET
easat-8507	95	12	positive	positive	ADJ
easat-8507	95	13	and	and	CCONJ
easat-8507	95	14	significant	significant	ADJ
easat-8507	95	15	effect	effect	NOUN
easat-8507	95	16	on	on	ADP
easat-8507	95	17	perceived	perceive	VERB
easat-8507	95	18	behavioural	behavioural	ADJ
easat-8507	95	19	control	control	NOUN
easat-8507	95	20	(	(	PUNCT
easat-8507	95	21	pbc	pbc	PROPN
easat-8507	95	22	)	)	PUNCT
easat-8507	95	23	.	.	PUNCT
easat-8507	96	1	x.	x.	PROPN
easat-8507	96	2	h10	h10	PROPN
easat-8507	96	3	:	:	PUNCT
easat-8507	96	4	attitude	attitude	NOUN
easat-8507	96	5	(	(	PUNCT
easat-8507	96	6	a	a	X
easat-8507	96	7	)	)	PUNCT
easat-8507	96	8	has	have	VERB
easat-8507	96	9	a	a	DET
easat-8507	96	10	positive	positive	ADJ
easat-8507	96	11	and	and	CCONJ
easat-8507	96	12	significant	significant	ADJ
easat-8507	96	13	effect	effect	NOUN
easat-8507	96	14	on	on	ADP
easat-8507	96	15	purchase	purchase	NOUN
easat-8507	96	16	intention	intention	NOUN
easat-8507	96	17	(	(	PUNCT
easat-8507	96	18	pi	pi	NOUN
easat-8507	96	19	)	)	PUNCT
easat-8507	96	20	.	.	PUNCT
easat-8507	97	1	xi	xi	PROPN
easat-8507	97	2	.	.	PUNCT
easat-8507	98	1	h11	h11	PROPN
easat-8507	98	2	:	:	PUNCT
easat-8507	98	3	subjective	subjective	ADJ
easat-8507	98	4	norms	norm	NOUN
easat-8507	98	5	(	(	PUNCT
easat-8507	98	6	sn	sn	INTJ
easat-8507	98	7	)	)	PUNCT
easat-8507	98	8	has	have	VERB
easat-8507	98	9	a	a	DET
easat-8507	98	10	positive	positive	ADJ
easat-8507	98	11	and	and	CCONJ
easat-8507	98	12	significant	significant	ADJ
easat-8507	98	13	effect	effect	NOUN
easat-8507	98	14	on	on	ADP
easat-8507	98	15	purchase	purchase	NOUN
easat-8507	98	16	intention	intention	NOUN
easat-8507	98	17	(	(	PUNCT
easat-8507	98	18	pi	pi	NOUN
easat-8507	98	19	)	)	PUNCT
easat-8507	98	20	.	.	PUNCT
easat-8507	99	1	xii	xii	PROPN
easat-8507	99	2	.	.	PUNCT
easat-8507	100	1	h12	h12	PROPN
easat-8507	100	2	:	:	PUNCT
easat-8507	100	3	perceived	perceive	VERB
easat-8507	100	4	behavioural	behavioural	ADJ
easat-8507	100	5	control	control	NOUN
easat-8507	100	6	(	(	PUNCT
easat-8507	100	7	pbc	pbc	PROPN
easat-8507	100	8	)	)	PUNCT
easat-8507	100	9	has	have	VERB
easat-8507	100	10	a	a	DET
easat-8507	100	11	positive	positive	ADJ
easat-8507	100	12	and	and	CCONJ
easat-8507	100	13	significant	significant	ADJ
easat-8507	100	14	effect	effect	NOUN
easat-8507	100	15	on	on	ADP
easat-8507	100	16	purchase	purchase	NOUN
easat-8507	100	17	intention	intention	NOUN
easat-8507	100	18	(	(	PUNCT
easat-8507	100	19	pi	pi	NOUN
easat-8507	100	20	)	)	PUNCT
easat-8507	100	21	.	.	PUNCT
easat-8507	101	1	figure	figure	NOUN
easat-8507	101	2	1	1	NUM
easat-8507	101	3	.	.	PUNCT
easat-8507	101	4	research	research	NOUN
easat-8507	101	5	framework	framework	NOUN
easat-8507	101	6	.	.	PUNCT
easat-8507	102	1	3	3	X
easat-8507	102	2	.	.	X
easat-8507	102	3	data	datum	NOUN
easat-8507	102	4	and	and	CCONJ
easat-8507	102	5	methods	method	NOUN
easat-8507	102	6	six	six	NUM
easat-8507	102	7	digital	digital	ADJ
easat-8507	102	8	banks	bank	NOUN
easat-8507	102	9	that	that	PRON
easat-8507	102	10	have	have	AUX
easat-8507	102	11	emerged	emerge	VERB
easat-8507	102	12	in	in	ADP
easat-8507	102	13	indonesia	indonesia	PROPN
easat-8507	102	14	since	since	SCONJ
easat-8507	102	15	2020	2020	NUM
easat-8507	102	16	were	be	AUX
easat-8507	102	17	the	the	DET
easat-8507	102	18	subject	subject	NOUN
easat-8507	102	19	of	of	ADP
easat-8507	102	20	the	the	DET
easat-8507	102	21	study	study	NOUN
easat-8507	102	22	,	,	PUNCT
easat-8507	102	23	and	and	CCONJ
easat-8507	102	24	they	they	PRON
easat-8507	102	25	are	be	AUX
easat-8507	102	26	detailed	detail	VERB
easat-8507	102	27	in	in	ADP
easat-8507	102	28	four	four	NUM
easat-8507	102	29	of	of	ADP
easat-8507	102	30	the	the	DET
easat-8507	102	31	six	six	NUM
easat-8507	102	32	online	online	ADJ
easat-8507	102	33	banks	bank	NOUN
easat-8507	102	34	that	that	PRON
easat-8507	102	35	are	be	AUX
easat-8507	102	36	publicly	publicly	ADV
easat-8507	102	37	traded	trade	VERB
easat-8507	102	38	on	on	ADP
easat-8507	102	39	the	the	DET
easat-8507	102	40	indonesia	indonesia	PROPN
easat-8507	102	41	stock	stock	PROPN
easat-8507	102	42	exchange	exchange	PROPN
easat-8507	102	43	.	.	PUNCT
easat-8507	103	1	this	this	DET
easat-8507	103	2	study	study	NOUN
easat-8507	103	3	sampled	sample	VERB
easat-8507	103	4	487	487	NUM
easat-8507	103	5	respondents	respondent	NOUN
easat-8507	103	6	from	from	ADP
easat-8507	103	7	a	a	DET
easat-8507	103	8	total	total	NOUN
easat-8507	103	9	of	of	ADP
easat-8507	103	10	69	69	NUM
easat-8507	103	11	million	million	NUM
easat-8507	103	12	users	user	NOUN
easat-8507	103	13	across	across	ADP
easat-8507	103	14	six	six	NUM
easat-8507	103	15	digital	digital	ADJ
easat-8507	103	16	banking	banking	NOUN
easat-8507	103	17	applications	application	NOUN
easat-8507	103	18	.	.	PUNCT
easat-8507	104	1	the	the	DET
easat-8507	104	2	structural	structural	ADJ
easat-8507	104	3	equation	equation	NOUN
easat-8507	104	4	modelling	modelling	NOUN
easat-8507	104	5	-	-	PUNCT
easat-8507	104	6	partial	partial	ADJ
easat-8507	104	7	least	least	ADJ
easat-8507	104	8	squares	square	NOUN
easat-8507	104	9	(	(	PUNCT
easat-8507	104	10	pls	pls	NOUN
easat-8507	104	11	-	-	PUNCT
easat-8507	104	12	sem	sem	NOUN
easat-8507	104	13	)	)	PUNCT
easat-8507	104	14	approach	approach	NOUN
easat-8507	104	15	is	be	AUX
easat-8507	104	16	used	use	VERB
easat-8507	104	17	in	in	ADP
easat-8507	104	18	this	this	DET
easat-8507	104	19	study	study	NOUN
easat-8507	104	20	,	,	PUNCT
easat-8507	104	21	and	and	CCONJ
easat-8507	104	22	questionnaires	questionnaire	NOUN
easat-8507	104	23	were	be	AUX
easat-8507	104	24	used	use	VERB
easat-8507	104	25	to	to	PART
easat-8507	104	26	gather	gather	VERB
easat-8507	104	27	data	datum	NOUN
easat-8507	104	28	from	from	ADP
easat-8507	104	29	respondents	respondent	NOUN
easat-8507	104	30	.	.	PUNCT
easat-8507	105	1	pls	pls	NOUN
easat-8507	105	2	-	-	PUNCT
easat-8507	105	3	sem	sem	NOUN
easat-8507	105	4	tests	test	VERB
easat-8507	105	5	hypothetical	hypothetical	ADJ
easat-8507	105	6	relationships	relationship	NOUN
easat-8507	105	7	between	between	ADP
easat-8507	105	8	constructs	construct	NOUN
easat-8507	105	9	by	by	ADP
easat-8507	105	10	using	use	VERB
easat-8507	105	11	path	path	NOUN
easat-8507	105	12	coefficients	coefficient	NOUN
easat-8507	105	13	and	and	CCONJ
easat-8507	105	14	assessing	assess	VERB
easat-8507	105	15	their	their	PRON
easat-8507	105	16	statistical	statistical	ADJ
easat-8507	105	17	significance	significance	NOUN
easat-8507	105	18	.	.	PUNCT
easat-8507	106	1	the	the	DET
easat-8507	106	2	method	method	NOUN
easat-8507	106	3	first	first	ADV
easat-8507	106	4	estimates	estimate	VERB
easat-8507	106	5	the	the	DET
easat-8507	106	6	scores	score	NOUN
easat-8507	106	7	of	of	ADP
easat-8507	106	8	each	each	DET
easat-8507	106	9	construct	construct	NOUN
easat-8507	106	10	,	,	PUNCT
easat-8507	106	11	then	then	ADV
easat-8507	106	12	calculates	calculate	VERB
easat-8507	106	13	path	path	NOUN
easat-8507	106	14	coefficients	coefficient	NOUN
easat-8507	106	15	to	to	PART
easat-8507	106	16	represent	represent	VERB
easat-8507	106	17	the	the	DET
easat-8507	106	18	relationships	relationship	NOUN
easat-8507	106	19	between	between	ADP
easat-8507	106	20	them	they	PRON
easat-8507	106	21	.	.	PUNCT
easat-8507	107	1	these	these	DET
easat-8507	107	2	coefficients	coefficient	NOUN
easat-8507	107	3	,	,	PUNCT
easat-8507	107	4	along	along	ADP
easat-8507	107	5	with	with	ADP
easat-8507	107	6	their	their	PRON
easat-8507	107	7	p	p	NOUN
easat-8507	107	8	-	-	PUNCT
easat-8507	107	9	values	value	NOUN
easat-8507	107	10	,	,	PUNCT
easat-8507	107	11	are	be	AUX
easat-8507	107	12	used	use	VERB
easat-8507	107	13	to	to	PART
easat-8507	107	14	determine	determine	VERB
easat-8507	107	15	the	the	DET
easat-8507	107	16	significance	significance	NOUN
easat-8507	107	17	and	and	CCONJ
easat-8507	107	18	direction	direction	NOUN
easat-8507	107	19	of	of	ADP
easat-8507	107	20	the	the	DET
easat-8507	107	21	relationships	relationship	NOUN
easat-8507	107	22	,	,	PUNCT
easat-8507	107	23	effectively	effectively	ADV
easat-8507	107	24	testing	test	VERB
easat-8507	107	25	the	the	DET
easat-8507	107	26	hypotheses	hypothesis	NOUN
easat-8507	107	27	[	[	X
easat-8507	107	28	27	27	NUM
easat-8507	107	29	]	]	PUNCT
easat-8507	107	30	.	.	PUNCT
easat-8507	108	1	the	the	DET
easat-8507	108	2	relationships	relationship	NOUN
easat-8507	108	3	of	of	ADP
easat-8507	108	4	the	the	DET
easat-8507	108	5	variables	variable	NOUN
easat-8507	108	6	examined	examine	VERB
easat-8507	108	7	when	when	SCONJ
easat-8507	108	8	sem	sem	PROPN
easat-8507	108	9	is	be	AUX
easat-8507	108	10	applied	apply	VERB
easat-8507	108	11	are	be	AUX
easat-8507	108	12	visually	visually	ADV
easat-8507	108	13	depicted	depict	VERB
easat-8507	108	14	in	in	ADP
easat-8507	108	15	figure	figure	NOUN
easat-8507	108	16	2	2	NUM
easat-8507	108	17	,	,	PUNCT
easat-8507	108	18	which	which	PRON
easat-8507	108	19	illustrates	illustrate	VERB
easat-8507	108	20	the	the	DET
easat-8507	108	21	research	research	NOUN
easat-8507	108	22	path	path	NOUN
easat-8507	108	23	model	model	NOUN
easat-8507	108	24	of	of	ADP
easat-8507	108	25	customers	customer	NOUN
easat-8507	108	26	'	'	PART
easat-8507	108	27	intention	intention	NOUN
easat-8507	108	28	to	to	PART
easat-8507	108	29	use	use	VERB
easat-8507	108	30	digital	digital	ADJ
easat-8507	108	31	bank	bank	NOUN
easat-8507	108	32	services	service	NOUN
easat-8507	108	33	.	.	PUNCT
easat-8507	109	1	after	after	ADP
easat-8507	109	2	preparing	prepare	VERB
easat-8507	109	3	the	the	DET
easat-8507	109	4	data	datum	NOUN
easat-8507	109	5	,	,	PUNCT
easat-8507	109	6	the	the	DET
easat-8507	109	7	next	next	ADJ
easat-8507	109	8	steps	step	NOUN
easat-8507	109	9	in	in	ADP
easat-8507	109	10	creating	create	VERB
easat-8507	109	11	and	and	CCONJ
easat-8507	109	12	analysing	analyse	VERB
easat-8507	109	13	the	the	DET
easat-8507	109	14	structural	structural	ADJ
easat-8507	109	15	equation	equation	NOUN
easat-8507	109	16	model	model	NOUN
easat-8507	109	17	are	be	AUX
easat-8507	109	18	to	to	PART
easat-8507	109	19	set	set	VERB
easat-8507	109	20	up	up	ADP
easat-8507	109	21	the	the	DET
easat-8507	109	22	measurement	measurement	NOUN
easat-8507	109	23	model	model	NOUN
easat-8507	109	24	,	,	PUNCT
easat-8507	109	25	set	set	VERB
easat-8507	109	26	up	up	ADP
easat-8507	109	27	the	the	DET
easat-8507	109	28	structural	structural	ADJ
easat-8507	109	29	model	model	NOUN
easat-8507	109	30	,	,	PUNCT
easat-8507	109	31	and	and	CCONJ
easat-8507	109	32	then	then	ADV
easat-8507	109	33	estimate	estimate	VERB
easat-8507	109	34	,	,	PUNCT
easat-8507	109	35	bootstrap	bootstrap	NOUN
easat-8507	109	36	,	,	PUNCT
easat-8507	109	37	and	and	CCONJ
easat-8507	109	38	2950	2950	NUM
easat-8507	109	39	edelweiss	edelweiss	PROPN
easat-8507	109	40	applied	apply	VERB
easat-8507	109	41	science	science	NOUN
easat-8507	109	42	and	and	CCONJ
easat-8507	109	43	technology	technology	NOUN
easat-8507	109	44	issn	issn	PROPN
easat-8507	109	45	:	:	PUNCT
easat-8507	109	46	2576	2576	NUM
easat-8507	109	47	-	-	SYM
easat-8507	109	48	8484	8484	NUM
easat-8507	109	49	vol	vol	NOUN
easat-8507	109	50	.	.	PROPN
easat-8507	110	1	9	9	NUM
easat-8507	110	2	,	,	PUNCT
easat-8507	110	3	no	no	INTJ
easat-8507	110	4	.	.	NOUN
easat-8507	110	5	6	6	NUM
easat-8507	110	6	:	:	SYM
easat-8507	110	7	2946	2946	NUM
easat-8507	110	8	-	-	SYM
easat-8507	110	9	2954	2954	NUM
easat-8507	110	10	,	,	PUNCT
easat-8507	110	11	2025	2025	NUM
easat-8507	110	12	doi	doi	NOUN
easat-8507	110	13	:	:	PUNCT
easat-8507	110	14	10.55214/25768484.v9i6.8507	10.55214/25768484.v9i6.8507	NUM
easat-8507	110	15	©	©	PROPN
easat-8507	110	16	2025	2025	NUM
easat-8507	110	17	by	by	ADP
easat-8507	110	18	the	the	DET
easat-8507	110	19	authors	author	NOUN
easat-8507	110	20	;	;	PUNCT
easat-8507	110	21	licensee	licensee	PROPN
easat-8507	110	22	learning	learning	NOUN
easat-8507	110	23	gate	gate	NOUN
easat-8507	110	24	summarize	summarize	VERB
easat-8507	110	25	the	the	DET
easat-8507	110	26	model	model	NOUN
easat-8507	110	27	[	[	X
easat-8507	110	28	27	27	NUM
easat-8507	110	29	]	]	PUNCT
easat-8507	110	30	.	.	PUNCT
easat-8507	111	1	specifying	specify	VERB
easat-8507	111	2	the	the	DET
easat-8507	111	3	measurement	measurement	NOUN
easat-8507	111	4	model	model	NOUN
easat-8507	111	5	involves	involve	VERB
easat-8507	111	6	defining	define	VERB
easat-8507	111	7	the	the	DET
easat-8507	111	8	relationships	relationship	NOUN
easat-8507	111	9	between	between	ADP
easat-8507	111	10	latent	latent	NOUN
easat-8507	111	11	variables	variable	NOUN
easat-8507	111	12	(	(	PUNCT
easat-8507	111	13	constructs	construct	NOUN
easat-8507	111	14	)	)	PUNCT
easat-8507	111	15	and	and	CCONJ
easat-8507	111	16	manifest	manif	ADJ
easat-8507	111	17	variables	variable	NOUN
easat-8507	111	18	(	(	PUNCT
easat-8507	111	19	indicators	indicator	NOUN
easat-8507	111	20	or	or	CCONJ
easat-8507	111	21	observed	observed	ADJ
easat-8507	111	22	variables	variable	NOUN
easat-8507	111	23	)	)	PUNCT
easat-8507	111	24	.	.	PUNCT
easat-8507	112	1	this	this	DET
easat-8507	112	2	step	step	NOUN
easat-8507	112	3	explains	explain	VERB
easat-8507	112	4	how	how	SCONJ
easat-8507	112	5	indicators	indicator	NOUN
easat-8507	112	6	measure	measure	VERB
easat-8507	112	7	latent	latent	NOUN
easat-8507	112	8	variables	variable	NOUN
easat-8507	112	9	.	.	PUNCT
easat-8507	113	1	path	path	NOUN
easat-8507	113	2	diagrams	diagram	NOUN
easat-8507	113	3	define	define	VERB
easat-8507	113	4	latent	latent	NOUN
easat-8507	113	5	construct	construct	NOUN
easat-8507	113	6	relationships	relationship	NOUN
easat-8507	113	7	in	in	ADP
easat-8507	113	8	the	the	DET
easat-8507	113	9	structural	structural	ADJ
easat-8507	113	10	model	model	NOUN
easat-8507	113	11	.	.	PUNCT
easat-8507	114	1	this	this	DET
easat-8507	114	2	model	model	NOUN
easat-8507	114	3	shows	show	VERB
easat-8507	114	4	the	the	DET
easat-8507	114	5	research	research	NOUN
easat-8507	114	6	framework	framework	NOUN
easat-8507	114	7	's	's	PART
easat-8507	114	8	causal	causal	ADJ
easat-8507	114	9	or	or	CCONJ
easat-8507	114	10	predictive	predictive	ADJ
easat-8507	114	11	relationships	relationship	NOUN
easat-8507	114	12	.	.	PUNCT
easat-8507	115	1	identifying	identify	VERB
easat-8507	115	2	constructs	construct	NOUN
easat-8507	115	3	(	(	PUNCT
easat-8507	115	4	latent	latent	NOUN
easat-8507	115	5	variables	variable	NOUN
easat-8507	115	6	)	)	PUNCT
easat-8507	115	7	,	,	PUNCT
easat-8507	115	8	specifying	specify	VERB
easat-8507	115	9	path	path	NOUN
easat-8507	115	10	direction	direction	NOUN
easat-8507	115	11	,	,	PUNCT
easat-8507	115	12	and	and	CCONJ
easat-8507	115	13	preventing	prevent	VERB
easat-8507	115	14	circular	circular	ADJ
easat-8507	115	15	relationships	relationship	NOUN
easat-8507	115	16	are	be	AUX
easat-8507	115	17	crucial	crucial	ADJ
easat-8507	115	18	.	.	PUNCT
easat-8507	116	1	estimation	estimation	NOUN
easat-8507	116	2	,	,	PUNCT
easat-8507	116	3	bootstrapping	bootstrapping	NOUN
easat-8507	116	4	,	,	PUNCT
easat-8507	116	5	and	and	CCONJ
easat-8507	116	6	summarization	summarization	NOUN
easat-8507	116	7	are	be	AUX
easat-8507	116	8	crucial	crucial	ADJ
easat-8507	116	9	in	in	ADP
easat-8507	116	10	pls	pls	NOUN
easat-8507	116	11	-	-	PUNCT
easat-8507	116	12	sem	sem	NOUN
easat-8507	116	13	.	.	PUNCT
easat-8507	117	1	model	model	PROPN
easat-8507	117	2	estimation	estimation	NOUN
easat-8507	117	3	begins	begin	VERB
easat-8507	117	4	with	with	ADP
easat-8507	117	5	pls	pls	PROPN
easat-8507	117	6	algorithms	algorithm	NOUN
easat-8507	117	7	.	.	PUNCT
easat-8507	118	1	we	we	PRON
easat-8507	118	2	perform	perform	VERB
easat-8507	118	3	bootstrapping	bootstrappe	VERB
easat-8507	118	4	to	to	PART
easat-8507	118	5	calculate	calculate	VERB
easat-8507	118	6	standard	standard	ADJ
easat-8507	118	7	errors	error	NOUN
easat-8507	118	8	and	and	CCONJ
easat-8507	118	9	confidence	confidence	NOUN
easat-8507	118	10	intervals	interval	NOUN
easat-8507	118	11	and	and	CCONJ
easat-8507	118	12	assess	assess	NOUN
easat-8507	118	13	estimate	estimate	NOUN
easat-8507	118	14	stability	stability	NOUN
easat-8507	118	15	.	.	PUNCT
easat-8507	119	1	summarizing	summarize	VERB
easat-8507	119	2	the	the	DET
easat-8507	119	3	results	result	NOUN
easat-8507	119	4	helps	help	VERB
easat-8507	119	5	interpret	interpret	VERB
easat-8507	119	6	the	the	DET
easat-8507	119	7	model	model	NOUN
easat-8507	119	8	's	's	PART
easat-8507	119	9	path	path	NOUN
easat-8507	119	10	coefficients	coefficient	NOUN
easat-8507	119	11	,	,	PUNCT
easat-8507	119	12	loadings	loading	NOUN
easat-8507	119	13	,	,	PUNCT
easat-8507	119	14	and	and	CCONJ
easat-8507	119	15	other	other	ADJ
easat-8507	119	16	statistics	statistic	NOUN
easat-8507	120	1	[	[	X
easat-8507	120	2	28	28	NUM
easat-8507	120	3	]	]	PUNCT
easat-8507	120	4	.	.	PUNCT
easat-8507	121	1	figure	figure	NOUN
easat-8507	121	2	2	2	NUM
easat-8507	121	3	.	.	PUNCT
easat-8507	122	1	the	the	DET
easat-8507	122	2	path	path	NOUN
easat-8507	122	3	model	model	NOUN
easat-8507	122	4	of	of	ADP
easat-8507	122	5	consumers	consumer	NOUN
easat-8507	122	6	'	'	PART
easat-8507	122	7	intention	intention	NOUN
easat-8507	122	8	to	to	PART
easat-8507	122	9	use	use	VERB
easat-8507	122	10	digital	digital	ADJ
easat-8507	122	11	bank	bank	NOUN
easat-8507	122	12	services	service	NOUN
easat-8507	122	13	.	.	PUNCT
easat-8507	123	1	4	4	X
easat-8507	123	2	.	.	NOUN
easat-8507	123	3	result	result	VERB
easat-8507	123	4	the	the	DET
easat-8507	123	5	testing	testing	NOUN
easat-8507	123	6	outcomes	outcome	NOUN
easat-8507	123	7	of	of	ADP
easat-8507	123	8	the	the	DET
easat-8507	123	9	structural	structural	ADJ
easat-8507	123	10	model	model	NOUN
easat-8507	123	11	indicate	indicate	VERB
easat-8507	123	12	that	that	SCONJ
easat-8507	123	13	the	the	DET
easat-8507	123	14	majority	majority	NOUN
easat-8507	123	15	of	of	ADP
easat-8507	123	16	relationships	relationship	NOUN
easat-8507	123	17	between	between	ADP
easat-8507	123	18	constructs	construct	NOUN
easat-8507	123	19	are	be	AUX
easat-8507	123	20	statistically	statistically	ADV
easat-8507	123	21	significant	significant	ADJ
easat-8507	123	22	and	and	CCONJ
easat-8507	123	23	exhibit	exhibit	VERB
easat-8507	123	24	a	a	DET
easat-8507	123	25	positive	positive	ADJ
easat-8507	123	26	directional	directional	ADJ
easat-8507	123	27	association	association	NOUN
easat-8507	123	28	(	(	PUNCT
easat-8507	123	29	table	table	NOUN
easat-8507	123	30	2	2	NUM
easat-8507	123	31	)	)	PUNCT
easat-8507	123	32	.	.	PUNCT
easat-8507	124	1	the	the	DET
easat-8507	124	2	results	result	NOUN
easat-8507	124	3	of	of	ADP
easat-8507	124	4	the	the	DET
easat-8507	124	5	hypothesis	hypothesis	NOUN
easat-8507	124	6	test	test	NOUN
easat-8507	124	7	in	in	ADP
easat-8507	124	8	table	table	NOUN
easat-8507	124	9	2	2	NUM
easat-8507	124	10	indicate	indicate	VERB
easat-8507	124	11	that	that	SCONJ
easat-8507	124	12	nearly	nearly	ADV
easat-8507	124	13	all	all	DET
easat-8507	124	14	hypotheses	hypothesis	NOUN
easat-8507	124	15	were	be	AUX
easat-8507	124	16	validated	validate	VERB
easat-8507	124	17	,	,	PUNCT
easat-8507	124	18	with	with	ADP
easat-8507	124	19	the	the	DET
easat-8507	124	20	exception	exception	NOUN
easat-8507	124	21	of	of	ADP
easat-8507	124	22	hypothesis	hypothesis	NOUN
easat-8507	124	23	two	two	NUM
easat-8507	124	24	(	(	PUNCT
easat-8507	124	25	h2	h2	NOUN
easat-8507	124	26	)	)	PUNCT
easat-8507	124	27	.	.	PUNCT
easat-8507	125	1	the	the	DET
easat-8507	125	2	ease	ease	NOUN
easat-8507	125	3	of	of	ADP
easat-8507	125	4	use	use	NOUN
easat-8507	125	5	(	(	PUNCT
easat-8507	125	6	eu	eu	NOUN
easat-8507	125	7	)	)	PUNCT
easat-8507	125	8	has	have	AUX
easat-8507	125	9	demonstrated	demonstrate	VERB
easat-8507	125	10	no	no	DET
easat-8507	125	11	significant	significant	ADJ
easat-8507	125	12	impact	impact	NOUN
easat-8507	125	13	on	on	ADP
easat-8507	125	14	subjective	subjective	ADJ
easat-8507	125	15	norms	norm	NOUN
easat-8507	125	16	(	(	PUNCT
easat-8507	125	17	sn	sn	NOUN
easat-8507	125	18	)	)	PUNCT
easat-8507	125	19	.	.	PUNCT
easat-8507	126	1	all	all	DET
easat-8507	126	2	validated	validate	VERB
easat-8507	126	3	hypotheses	hypothesis	NOUN
easat-8507	126	4	exhibited	exhibit	VERB
easat-8507	126	5	moderate	moderate	ADJ
easat-8507	126	6	effects	effect	NOUN
easat-8507	126	7	,	,	PUNCT
easat-8507	126	8	with	with	ADP
easat-8507	126	9	the	the	DET
easat-8507	126	10	exception	exception	NOUN
easat-8507	126	11	of	of	ADP
easat-8507	126	12	hypothesis	hypothesis	NOUN
easat-8507	126	13	7	7	NUM
easat-8507	126	14	(	(	PUNCT
easat-8507	126	15	h7	h7	PROPN
easat-8507	126	16	)	)	PUNCT
easat-8507	126	17	and	and	CCONJ
easat-8507	126	18	hypothesis	hypothesis	NOUN
easat-8507	126	19	9	9	NUM
easat-8507	126	20	(	(	PUNCT
easat-8507	126	21	h9	h9	NOUN
easat-8507	126	22	)	)	PUNCT
easat-8507	126	23	.	.	PUNCT
easat-8507	127	1	the	the	DET
easat-8507	127	2	relationship	relationship	NOUN
easat-8507	127	3	between	between	ADP
easat-8507	127	4	eu	eu	PROPN
easat-8507	127	5	and	and	CCONJ
easat-8507	127	6	a	a	PRON
easat-8507	127	7	and	and	CCONJ
easat-8507	127	8	pbc	pbc	PROPN
easat-8507	127	9	was	be	AUX
easat-8507	127	10	found	find	VERB
easat-8507	127	11	to	to	PART
easat-8507	127	12	be	be	AUX
easat-8507	127	13	significant	significant	ADJ
easat-8507	127	14	and	and	CCONJ
easat-8507	127	15	robust	robust	ADJ
easat-8507	127	16	,	,	PUNCT
easat-8507	127	17	suggesting	suggest	VERB
easat-8507	127	18	that	that	SCONJ
easat-8507	127	19	the	the	DET
easat-8507	127	20	ease	ease	NOUN
easat-8507	127	21	of	of	ADP
easat-8507	127	22	use	use	NOUN
easat-8507	127	23	of	of	ADP
easat-8507	127	24	digital	digital	ADJ
easat-8507	127	25	banking	banking	NOUN
easat-8507	127	26	services	service	NOUN
easat-8507	127	27	fosters	foster	VERB
easat-8507	127	28	positive	positive	ADJ
easat-8507	127	29	attitudes	attitude	NOUN
easat-8507	127	30	and	and	CCONJ
easat-8507	127	31	perceptions	perception	NOUN
easat-8507	127	32	of	of	ADP
easat-8507	127	33	control	control	NOUN
easat-8507	127	34	over	over	ADP
easat-8507	127	35	2951	2951	NUM
easat-8507	127	36	edelweiss	edelweiss	PROPN
easat-8507	127	37	applied	apply	VERB
easat-8507	127	38	science	science	NOUN
easat-8507	127	39	and	and	CCONJ
easat-8507	127	40	technology	technology	NOUN
easat-8507	127	41	issn	issn	PROPN
easat-8507	127	42	:	:	PUNCT
easat-8507	127	43	2576	2576	NUM
easat-8507	127	44	-	-	SYM
easat-8507	127	45	8484	8484	NUM
easat-8507	127	46	vol	vol	NOUN
easat-8507	127	47	.	.	PROPN
easat-8507	128	1	9	9	NUM
easat-8507	128	2	,	,	PUNCT
easat-8507	128	3	no	no	INTJ
easat-8507	128	4	.	.	NOUN
easat-8507	128	5	6	6	NUM
easat-8507	128	6	:	:	SYM
easat-8507	128	7	2946	2946	NUM
easat-8507	128	8	-	-	SYM
easat-8507	128	9	2954	2954	NUM
easat-8507	128	10	,	,	PUNCT
easat-8507	128	11	2025	2025	NUM
easat-8507	128	12	doi	doi	NOUN
easat-8507	128	13	:	:	PUNCT
easat-8507	128	14	10.55214/25768484.v9i6.8507	10.55214/25768484.v9i6.8507	NUM
easat-8507	128	15	©	©	PROPN
easat-8507	128	16	2025	2025	NUM
easat-8507	128	17	by	by	ADP
easat-8507	128	18	the	the	DET
easat-8507	128	19	authors	author	NOUN
easat-8507	128	20	;	;	PUNCT
easat-8507	128	21	licensee	licensee	PROPN
easat-8507	128	22	learning	learn	VERB
easat-8507	128	23	gate	gate	PROPN
easat-8507	128	24	service	service	NOUN
easat-8507	128	25	usage	usage	NOUN
easat-8507	128	26	behaviour	behaviour	NOUN
easat-8507	128	27	.	.	PUNCT
easat-8507	129	1	in	in	ADP
easat-8507	129	2	contrast	contrast	NOUN
easat-8507	129	3	,	,	PUNCT
easat-8507	129	4	the	the	DET
easat-8507	129	5	correlation	correlation	NOUN
easat-8507	129	6	between	between	ADP
easat-8507	129	7	perceived	perceive	VERB
easat-8507	129	8	ease	ease	NOUN
easat-8507	129	9	of	of	ADP
easat-8507	129	10	use	use	NOUN
easat-8507	129	11	(	(	PUNCT
easat-8507	129	12	eu	eu	NOUN
easat-8507	129	13	)	)	PUNCT
easat-8507	129	14	and	and	CCONJ
easat-8507	129	15	social	social	ADJ
easat-8507	129	16	norms	norm	NOUN
easat-8507	129	17	(	(	PUNCT
easat-8507	129	18	sn	sn	INTJ
easat-8507	129	19	)	)	PUNCT
easat-8507	129	20	is	be	AUX
easat-8507	129	21	negligible	negligible	ADJ
easat-8507	129	22	,	,	PUNCT
easat-8507	129	23	suggesting	suggest	VERB
easat-8507	129	24	that	that	SCONJ
easat-8507	129	25	perceived	perceive	VERB
easat-8507	129	26	ease	ease	NOUN
easat-8507	129	27	lacks	lack	VERB
easat-8507	129	28	sufficient	sufficient	ADJ
easat-8507	129	29	strength	strength	NOUN
easat-8507	129	30	to	to	PART
easat-8507	129	31	affect	affect	VERB
easat-8507	129	32	social	social	ADJ
easat-8507	129	33	pressure	pressure	NOUN
easat-8507	129	34	or	or	CCONJ
easat-8507	129	35	subjective	subjective	ADJ
easat-8507	129	36	norms	norm	NOUN
easat-8507	129	37	regarding	regard	VERB
easat-8507	129	38	the	the	DET
easat-8507	129	39	utilization	utilization	NOUN
easat-8507	129	40	of	of	ADP
easat-8507	129	41	digital	digital	ADJ
easat-8507	129	42	banking	banking	NOUN
easat-8507	129	43	.	.	PUNCT
easat-8507	130	1	this	this	DET
easat-8507	130	2	finding	finding	NOUN
easat-8507	130	3	indicates	indicate	VERB
easat-8507	130	4	that	that	SCONJ
easat-8507	130	5	personal	personal	ADJ
easat-8507	130	6	perceptions	perception	NOUN
easat-8507	130	7	of	of	ADP
easat-8507	130	8	technological	technological	ADJ
easat-8507	130	9	ease	ease	NOUN
easat-8507	130	10	significantly	significantly	ADV
easat-8507	130	11	affect	affect	VERB
easat-8507	130	12	individual	individual	ADJ
easat-8507	130	13	judgment	judgment	NOUN
easat-8507	130	14	and	and	CCONJ
easat-8507	130	15	self	self	NOUN
easat-8507	130	16	-	-	PUNCT
easat-8507	130	17	regulation	regulation	NOUN
easat-8507	130	18	more	more	ADJ
easat-8507	130	19	than	than	ADP
easat-8507	130	20	social	social	ADJ
easat-8507	130	21	influence	influence	NOUN
easat-8507	130	22	does	do	VERB
easat-8507	130	23	.	.	PUNCT
easat-8507	131	1	the	the	DET
easat-8507	131	2	ppv	ppv	NOUN
easat-8507	131	3	construct	construct	NOUN
easat-8507	131	4	consistently	consistently	ADV
easat-8507	131	5	demonstrates	demonstrate	VERB
easat-8507	131	6	a	a	DET
easat-8507	131	7	significant	significant	ADJ
easat-8507	131	8	and	and	CCONJ
easat-8507	131	9	robust	robust	ADJ
easat-8507	131	10	impact	impact	NOUN
easat-8507	131	11	on	on	ADP
easat-8507	131	12	a	a	DET
easat-8507	131	13	,	,	PUNCT
easat-8507	131	14	pbc	pbc	PROPN
easat-8507	131	15	,	,	PUNCT
easat-8507	131	16	and	and	CCONJ
easat-8507	131	17	sn	sn	PROPN
easat-8507	131	18	.	.	PUNCT
easat-8507	132	1	this	this	PRON
easat-8507	132	2	reinforces	reinforce	VERB
easat-8507	132	3	the	the	DET
easat-8507	132	4	notion	notion	NOUN
easat-8507	132	5	that	that	SCONJ
easat-8507	132	6	consumer	consumer	NOUN
easat-8507	132	7	perceptions	perception	NOUN
easat-8507	132	8	of	of	ADP
easat-8507	132	9	product	product	NOUN
easat-8507	132	10	value	value	NOUN
easat-8507	132	11	,	,	PUNCT
easat-8507	132	12	encompassing	encompass	VERB
easat-8507	132	13	benefits	benefit	NOUN
easat-8507	132	14	,	,	PUNCT
easat-8507	132	15	price	price	NOUN
easat-8507	132	16	,	,	PUNCT
easat-8507	132	17	and	and	CCONJ
easat-8507	132	18	quality	quality	NOUN
easat-8507	132	19	,	,	PUNCT
easat-8507	132	20	are	be	AUX
easat-8507	132	21	essential	essential	ADJ
easat-8507	132	22	elements	element	NOUN
easat-8507	132	23	in	in	ADP
easat-8507	132	24	cultivating	cultivate	VERB
easat-8507	132	25	favourable	favourable	ADJ
easat-8507	132	26	attitudes	attitude	NOUN
easat-8507	132	27	,	,	PUNCT
easat-8507	132	28	a	a	DET
easat-8507	132	29	sense	sense	NOUN
easat-8507	132	30	of	of	ADP
easat-8507	132	31	agency	agency	NOUN
easat-8507	132	32	in	in	ADP
easat-8507	132	33	decision	decision	NOUN
easat-8507	132	34	-	-	PUNCT
easat-8507	132	35	making	making	NOUN
easat-8507	132	36	,	,	PUNCT
easat-8507	132	37	and	and	CCONJ
easat-8507	132	38	adherence	adherence	NOUN
easat-8507	132	39	to	to	ADP
easat-8507	132	40	social	social	ADJ
easat-8507	132	41	norms	norm	NOUN
easat-8507	132	42	.	.	PUNCT
easat-8507	133	1	simultaneously	simultaneously	ADV
easat-8507	133	2	,	,	PUNCT
easat-8507	133	3	bp	bp	PROPN
easat-8507	133	4	exerts	exert	VERB
easat-8507	133	5	a	a	DET
easat-8507	133	6	considerable	considerable	ADJ
easat-8507	133	7	impact	impact	NOUN
easat-8507	133	8	on	on	ADP
easat-8507	133	9	the	the	DET
easat-8507	133	10	three	three	NUM
easat-8507	133	11	mediating	mediate	VERB
easat-8507	133	12	variables	variable	NOUN
easat-8507	133	13	,	,	PUNCT
easat-8507	133	14	albeit	albeit	SCONJ
easat-8507	133	15	the	the	DET
easat-8507	133	16	magnitude	magnitude	NOUN
easat-8507	133	17	of	of	ADP
easat-8507	133	18	its	its	PRON
easat-8507	133	19	influence	influence	NOUN
easat-8507	133	20	is	be	AUX
easat-8507	133	21	categorized	categorize	VERB
easat-8507	133	22	as	as	ADP
easat-8507	133	23	weak	weak	ADJ
easat-8507	133	24	to	to	PART
easat-8507	133	25	moderate	moderate	ADJ
easat-8507	133	26	.	.	PUNCT
easat-8507	134	1	this	this	PRON
easat-8507	134	2	suggests	suggest	VERB
easat-8507	134	3	that	that	SCONJ
easat-8507	134	4	brand	brand	NOUN
easat-8507	134	5	perceptions	perception	NOUN
easat-8507	134	6	influence	influence	NOUN
easat-8507	134	7	opinions	opinion	NOUN
easat-8507	134	8	and	and	CCONJ
easat-8507	134	9	behavioural	behavioural	ADJ
easat-8507	134	10	regulation	regulation	NOUN
easat-8507	134	11	,	,	PUNCT
easat-8507	134	12	yet	yet	CCONJ
easat-8507	134	13	are	be	AUX
easat-8507	134	14	not	not	PART
easat-8507	134	15	the	the	DET
easat-8507	134	16	primary	primary	ADJ
easat-8507	134	17	determinant	determinant	NOUN
easat-8507	134	18	in	in	ADP
easat-8507	134	19	consumer	consumer	NOUN
easat-8507	134	20	choices	choice	NOUN
easat-8507	134	21	regarding	regard	VERB
easat-8507	134	22	digital	digital	ADJ
easat-8507	134	23	banking	banking	NOUN
easat-8507	134	24	services	service	NOUN
easat-8507	134	25	.	.	PUNCT
easat-8507	135	1	table	table	NOUN
easat-8507	135	2	2	2	NUM
easat-8507	135	3	.	.	PUNCT
easat-8507	135	4	results	result	NOUN
easat-8507	135	5	of	of	ADP
easat-8507	135	6	hypothesis	hypothesis	NOUN
easat-8507	135	7	testing	testing	NOUN
easat-8507	135	8	.	.	PUNCT
easat-8507	136	1	path	path	PROPN
easat-8507	136	2	coefficient	coefficient	PROPN
easat-8507	136	3	t	t	PROPN
easat-8507	136	4	statistics	statistic	VERB
easat-8507	136	5	p	p	PROPN
easat-8507	136	6	values	value	NOUN
easat-8507	136	7	interrelation	interrelation	NOUN
easat-8507	136	8	of	of	ADP
easat-8507	136	9	construct	construct	NOUN
easat-8507	136	10	pathways	pathway	NOUN
easat-8507	136	11	eu	eu	PROPN
easat-8507	136	12	-	-	PROPN
easat-8507	136	13	>	>	X
easat-8507	136	14	a	a	DET
easat-8507	136	15	0.329	0.329	NUM
easat-8507	136	16	6.130	6.130	NUM
easat-8507	136	17	0.000000	0.000000	NUM
easat-8507	136	18	positive	positive	ADJ
easat-8507	136	19	,	,	PUNCT
easat-8507	136	20	significant	significant	ADJ
easat-8507	136	21	,	,	PUNCT
easat-8507	136	22	moderate	moderate	ADJ
easat-8507	136	23	eu	eu	PROPN
easat-8507	136	24	-	-	PUNCT
easat-8507	136	25	>	>	X
easat-8507	136	26	sn	sn	PROPN
easat-8507	136	27	0.059	0.059	NUM
easat-8507	136	28	1.094	1.094	NUM
easat-8507	136	29	0.274000	0.274000	NUM
easat-8507	136	30	positive	positive	ADJ
easat-8507	136	31	,	,	PUNCT
easat-8507	136	32	not	not	PART
easat-8507	136	33	significant	significant	ADJ
easat-8507	136	34	,	,	PUNCT
easat-8507	136	35	weak	weak	ADJ
easat-8507	136	36	eu	eu	PROPN
easat-8507	136	37	-	-	PUNCT
easat-8507	136	38	>	>	X
easat-8507	136	39	pbc	pbc	PROPN
easat-8507	136	40	0.330	0.330	NUM
easat-8507	136	41	6.613	6.613	NUM
easat-8507	136	42	0.000000	0.000000	NUM
easat-8507	136	43	positive	positive	ADJ
easat-8507	136	44	,	,	PUNCT
easat-8507	136	45	significant	significant	ADJ
easat-8507	136	46	,	,	PUNCT
easat-8507	136	47	moderate	moderate	ADJ
easat-8507	136	48	ppv	ppv	NOUN
easat-8507	136	49	-	-	PUNCT
easat-8507	136	50	>	>	X
easat-8507	136	51	a	a	DET
easat-8507	136	52	0.450	0.450	NUM
easat-8507	136	53	8.629	8.629	NUM
easat-8507	136	54	0.000000	0.000000	NUM
easat-8507	136	55	positive	positive	ADJ
easat-8507	136	56	,	,	PUNCT
easat-8507	136	57	significant	significant	ADJ
easat-8507	136	58	,	,	PUNCT
easat-8507	136	59	moderate	moderate	ADJ
easat-8507	136	60	ppv	ppv	NOUN
easat-8507	136	61	-	-	PUNCT
easat-8507	136	62	>	>	X
easat-8507	136	63	pbc	pbc	PROPN
easat-8507	136	64	0.364	0.364	NUM
easat-8507	136	65	6.182	6.182	NUM
easat-8507	136	66	0.000000	0.000000	NUM
easat-8507	136	67	positive	positive	ADJ
easat-8507	136	68	,	,	PUNCT
easat-8507	136	69	significant	significant	ADJ
easat-8507	136	70	,	,	PUNCT
easat-8507	136	71	moderate	moderate	ADJ
easat-8507	136	72	ppv	ppv	NOUN
easat-8507	136	73	-	-	PUNCT
easat-8507	136	74	>	>	X
easat-8507	136	75	sn	sn	PROPN
easat-8507	136	76	0.329	0.329	NUM
easat-8507	136	77	5.289	5.289	NUM
easat-8507	136	78	0.000000	0.000000	NUM
easat-8507	136	79	positive	positive	ADJ
easat-8507	136	80	,	,	PUNCT
easat-8507	136	81	significant	significant	ADJ
easat-8507	136	82	,	,	PUNCT
easat-8507	136	83	moderate	moderate	ADJ
easat-8507	136	84	bp	bp	PROPN
easat-8507	136	85	-	-	PUNCT
easat-8507	136	86	>	>	X
easat-8507	136	87	a	a	DET
easat-8507	136	88	0.147	0.147	NUM
easat-8507	136	89	3.155	3.155	NUM
easat-8507	136	90	0.002000	0.002000	NUM
easat-8507	136	91	positive	positive	ADJ
easat-8507	136	92	,	,	PUNCT
easat-8507	136	93	significant	significant	ADJ
easat-8507	136	94	,	,	PUNCT
easat-8507	136	95	weak	weak	ADJ
easat-8507	136	96	bp	bp	PROPN
easat-8507	136	97	-	-	PUNCT
easat-8507	136	98	>	>	X
easat-8507	136	99	pbc	pbc	PROPN
easat-8507	136	100	0.227	0.227	NUM
easat-8507	136	101	4.973	4.973	NUM
easat-8507	136	102	0.000000	0.000000	NUM
easat-8507	136	103	positive	positive	ADJ
easat-8507	136	104	,	,	PUNCT
easat-8507	136	105	significant	significant	ADJ
easat-8507	136	106	,	,	PUNCT
easat-8507	136	107	weak	weak	ADJ
easat-8507	136	108	bp	bp	PROPN
easat-8507	136	109	-	-	PUNCT
easat-8507	136	110	>	>	X
easat-8507	136	111	sn	sn	PROPN
easat-8507	136	112	0.405	0.405	NUM
easat-8507	136	113	9.042	9.042	NUM
easat-8507	136	114	0.000000	0.000000	NUM
easat-8507	136	115	positive	positive	ADJ
easat-8507	136	116	,	,	PUNCT
easat-8507	136	117	significant	significant	ADJ
easat-8507	136	118	,	,	PUNCT
easat-8507	136	119	moderate	moderate	ADJ
easat-8507	136	120	a	a	DET
easat-8507	136	121	-	-	PUNCT
easat-8507	136	122	>	>	X
easat-8507	136	123	pi	pi	NOUN
easat-8507	137	1	0.460	0.460	NUM
easat-8507	137	2	6.810	6.810	NUM
easat-8507	137	3	0.000000	0.000000	NUM
easat-8507	137	4	positive	positive	ADJ
easat-8507	137	5	,	,	PUNCT
easat-8507	137	6	significant	significant	ADJ
easat-8507	137	7	,	,	PUNCT
easat-8507	137	8	moderate	moderate	ADJ
easat-8507	137	9	sn	sn	PROPN
easat-8507	137	10	-	-	PUNCT
easat-8507	137	11	>	>	X
easat-8507	137	12	pi	pi	NOUN
easat-8507	137	13	0.176	0.176	NUM
easat-8507	137	14	4.693	4.693	NUM
easat-8507	137	15	0.000000	0.000000	NUM
easat-8507	137	16	positive	positive	ADJ
easat-8507	137	17	,	,	PUNCT
easat-8507	137	18	significant	significant	ADJ
easat-8507	137	19	,	,	PUNCT
easat-8507	137	20	moderate	moderate	ADJ
easat-8507	137	21	pbc	pbc	PROPN
easat-8507	137	22	-	-	PUNCT
easat-8507	137	23	>	>	X
easat-8507	137	24	pi	pi	NOUN
easat-8507	137	25	0.289	0.289	NUM
easat-8507	137	26	4.518	4.518	NUM
easat-8507	137	27	0.000000	0.000000	NUM
easat-8507	137	28	positive	positive	ADJ
easat-8507	137	29	,	,	PUNCT
easat-8507	137	30	significant	significant	ADJ
easat-8507	137	31	,	,	PUNCT
easat-8507	137	32	moderate	moderate	ADJ
easat-8507	137	33	regarding	regard	VERB
easat-8507	137	34	the	the	DET
easat-8507	137	35	direct	direct	ADJ
easat-8507	137	36	correlation	correlation	NOUN
easat-8507	137	37	to	to	ADP
easat-8507	137	38	intention	intention	NOUN
easat-8507	137	39	,	,	PUNCT
easat-8507	137	40	attitude	attitude	NOUN
easat-8507	137	41	(	(	PUNCT
easat-8507	137	42	a	a	NOUN
easat-8507	137	43	)	)	PUNCT
easat-8507	137	44	is	be	AUX
easat-8507	137	45	the	the	DET
easat-8507	137	46	construct	construct	NOUN
easat-8507	137	47	exerting	exert	VERB
easat-8507	137	48	the	the	DET
easat-8507	137	49	most	most	ADV
easat-8507	137	50	significant	significant	ADJ
easat-8507	137	51	influence	influence	NOUN
easat-8507	137	52	on	on	ADP
easat-8507	137	53	pi	pi	NOUN
easat-8507	137	54	,	,	PUNCT
easat-8507	137	55	evidenced	evidence	VERB
easat-8507	137	56	by	by	ADP
easat-8507	137	57	the	the	DET
easat-8507	137	58	highest	high	ADJ
easat-8507	137	59	path	path	NOUN
easat-8507	137	60	coefficient	coefficient	NOUN
easat-8507	137	61	value	value	NOUN
easat-8507	137	62	(	(	PUNCT
easat-8507	137	63	0.460	0.460	NUM
easat-8507	137	64	)	)	PUNCT
easat-8507	137	65	.	.	PUNCT
easat-8507	138	1	this	this	PRON
easat-8507	138	2	indicates	indicate	VERB
easat-8507	138	3	that	that	SCONJ
easat-8507	138	4	a	a	DET
easat-8507	138	5	more	more	ADV
easat-8507	138	6	favourable	favourable	ADJ
easat-8507	138	7	consumer	consumer	NOUN
easat-8507	138	8	attitude	attitude	NOUN
easat-8507	138	9	towards	towards	ADP
easat-8507	138	10	digital	digital	ADJ
easat-8507	138	11	banking	banking	NOUN
easat-8507	138	12	services	service	NOUN
easat-8507	138	13	correlates	correlate	VERB
easat-8507	138	14	with	with	ADP
easat-8507	138	15	an	an	DET
easat-8507	138	16	increased	increase	VERB
easat-8507	138	17	intention	intention	NOUN
easat-8507	138	18	to	to	PART
easat-8507	138	19	utilize	utilize	VERB
easat-8507	138	20	them	they	PRON
easat-8507	138	21	.	.	PUNCT
easat-8507	139	1	sn	sn	PROPN
easat-8507	139	2	and	and	CCONJ
easat-8507	139	3	pbc	pbc	PROPN
easat-8507	139	4	also	also	ADV
easat-8507	139	5	make	make	VERB
easat-8507	139	6	substantial	substantial	ADJ
easat-8507	139	7	contributions	contribution	NOUN
easat-8507	139	8	to	to	ADP
easat-8507	139	9	pi	pi	NOUN
easat-8507	139	10	,	,	PUNCT
easat-8507	139	11	albeit	albeit	SCONJ
easat-8507	139	12	with	with	ADP
easat-8507	139	13	diminished	diminished	ADJ
easat-8507	139	14	intensity	intensity	NOUN
easat-8507	139	15	.	.	PUNCT
easat-8507	140	1	consequently	consequently	ADV
easat-8507	140	2	,	,	PUNCT
easat-8507	140	3	attitude	attitude	NOUN
easat-8507	140	4	serves	serve	VERB
easat-8507	140	5	as	as	ADP
easat-8507	140	6	a	a	DET
easat-8507	140	7	primary	primary	ADJ
easat-8507	140	8	predictor	predictor	NOUN
easat-8507	140	9	in	in	ADP
easat-8507	140	10	this	this	DET
easat-8507	140	11	model	model	NOUN
easat-8507	140	12	,	,	PUNCT
easat-8507	140	13	whereas	whereas	SCONJ
easat-8507	140	14	social	social	ADJ
easat-8507	140	15	norms	norm	NOUN
easat-8507	140	16	and	and	CCONJ
easat-8507	140	17	perceived	perceive	VERB
easat-8507	140	18	control	control	NOUN
easat-8507	140	19	assume	assume	VERB
easat-8507	140	20	supportive	supportive	ADJ
easat-8507	140	21	roles	role	NOUN
easat-8507	140	22	(	(	PUNCT
easat-8507	140	23	figure	figure	NOUN
easat-8507	140	24	3	3	NUM
easat-8507	140	25	)	)	PUNCT
easat-8507	140	26	.	.	PUNCT
easat-8507	141	1	the	the	DET
easat-8507	141	2	r²	r²	NOUN
easat-8507	141	3	value	value	NOUN
easat-8507	141	4	indicates	indicate	VERB
easat-8507	141	5	that	that	SCONJ
easat-8507	141	6	the	the	DET
easat-8507	141	7	exogenous	exogenous	ADJ
easat-8507	141	8	and	and	CCONJ
easat-8507	141	9	mediating	mediate	VERB
easat-8507	141	10	constructs	construct	NOUN
easat-8507	141	11	account	account	NOUN
easat-8507	141	12	for	for	ADP
easat-8507	141	13	70.3	70.3	NUM
easat-8507	141	14	%	%	NOUN
easat-8507	141	15	of	of	ADP
easat-8507	141	16	the	the	DET
easat-8507	141	17	variance	variance	NOUN
easat-8507	141	18	in	in	ADP
easat-8507	141	19	usage	usage	NOUN
easat-8507	141	20	intention	intention	NOUN
easat-8507	141	21	(	(	PUNCT
easat-8507	141	22	pi	pi	NOUN
easat-8507	141	23	)	)	PUNCT
easat-8507	141	24	,	,	PUNCT
easat-8507	141	25	69.6	69.6	NUM
easat-8507	141	26	%	%	NOUN
easat-8507	141	27	in	in	ADP
easat-8507	141	28	attitude	attitude	NOUN
easat-8507	141	29	(	(	PUNCT
easat-8507	141	30	a	a	X
easat-8507	141	31	)	)	PUNCT
easat-8507	141	32	,	,	PUNCT
easat-8507	141	33	66.6	66.6	NUM
easat-8507	141	34	%	%	NOUN
easat-8507	141	35	in	in	ADP
easat-8507	141	36	perceived	perceive	VERB
easat-8507	141	37	behavioural	behavioural	ADJ
easat-8507	141	38	control	control	NOUN
easat-8507	141	39	(	(	PUNCT
easat-8507	141	40	pbc	pbc	PROPN
easat-8507	141	41	)	)	PUNCT
easat-8507	141	42	,	,	PUNCT
easat-8507	141	43	and	and	CCONJ
easat-8507	141	44	50.4	50.4	NUM
easat-8507	141	45	%	%	NOUN
easat-8507	141	46	in	in	ADP
easat-8507	141	47	subjective	subjective	ADJ
easat-8507	141	48	norm	norm	NOUN
easat-8507	141	49	(	(	PUNCT
easat-8507	141	50	sn	sn	NOUN
easat-8507	141	51	)	)	PUNCT
easat-8507	141	52	.	.	PUNCT
easat-8507	142	1	the	the	DET
easat-8507	142	2	values	value	NOUN
easat-8507	142	3	are	be	AUX
easat-8507	142	4	classified	classify	VERB
easat-8507	142	5	as	as	ADP
easat-8507	142	6	strong	strong	ADJ
easat-8507	142	7	for	for	ADP
easat-8507	142	8	pi	pi	NOUN
easat-8507	142	9	,	,	PUNCT
easat-8507	142	10	a	a	PRON
easat-8507	142	11	,	,	PUNCT
easat-8507	142	12	and	and	CCONJ
easat-8507	142	13	pbc	pbc	PROPN
easat-8507	142	14	,	,	PUNCT
easat-8507	142	15	and	and	CCONJ
easat-8507	142	16	moderate	moderate	ADJ
easat-8507	142	17	for	for	ADP
easat-8507	142	18	sn	sn	PROPN
easat-8507	142	19	,	,	PUNCT
easat-8507	142	20	signifying	signify	VERB
easat-8507	142	21	that	that	SCONJ
easat-8507	142	22	the	the	DET
easat-8507	142	23	model	model	NOUN
easat-8507	142	24	possesses	possess	VERB
easat-8507	142	25	substantial	substantial	ADJ
easat-8507	142	26	explanatory	explanatory	ADJ
easat-8507	142	27	power	power	NOUN
easat-8507	142	28	.	.	PUNCT
easat-8507	143	1	nevertheless	nevertheless	ADV
easat-8507	143	2	,	,	PUNCT
easat-8507	143	3	sn	sn	PROPN
easat-8507	143	4	appears	appear	VERB
easat-8507	143	5	to	to	PART
easat-8507	143	6	require	require	VERB
easat-8507	143	7	supplementary	supplementary	ADJ
easat-8507	143	8	variables	variable	NOUN
easat-8507	143	9	to	to	PART
easat-8507	143	10	enhance	enhance	VERB
easat-8507	143	11	its	its	PRON
easat-8507	143	12	explanatory	explanatory	ADJ
easat-8507	143	13	power	power	NOUN
easat-8507	143	14	,	,	PUNCT
easat-8507	143	15	including	include	VERB
easat-8507	143	16	cultural	cultural	ADJ
easat-8507	143	17	factors	factor	NOUN
easat-8507	143	18	,	,	PUNCT
easat-8507	143	19	the	the	DET
easat-8507	143	20	digital	digital	ADJ
easat-8507	143	21	social	social	ADJ
easat-8507	143	22	environment	environment	NOUN
easat-8507	143	23	,	,	PUNCT
easat-8507	143	24	or	or	CCONJ
easat-8507	143	25	the	the	DET
easat-8507	143	26	impact	impact	NOUN
easat-8507	143	27	of	of	ADP
easat-8507	143	28	influencers	influencer	NOUN
easat-8507	143	29	.	.	PUNCT
easat-8507	144	1	effect	effect	NOUN
easat-8507	144	2	size	size	NOUN
easat-8507	144	3	(	(	PUNCT
easat-8507	144	4	f²	f²	NOUN
easat-8507	144	5	)	)	PUNCT
easat-8507	144	6	analysis	analysis	NOUN
easat-8507	144	7	corroborates	corroborate	VERB
easat-8507	144	8	prior	prior	ADJ
easat-8507	144	9	findings	finding	NOUN
easat-8507	144	10	by	by	ADP
easat-8507	144	11	demonstrating	demonstrate	VERB
easat-8507	144	12	that	that	SCONJ
easat-8507	144	13	the	the	DET
easat-8507	144	14	ppv	ppv	NOUN
easat-8507	144	15	→	→	SYM
easat-8507	144	16	a	a	X
easat-8507	144	17	,	,	PUNCT
easat-8507	144	18	bp	bp	PROPN
easat-8507	144	19	→	→	SYM
easat-8507	144	20	sn	sn	PROPN
easat-8507	144	21	,	,	PUNCT
easat-8507	144	22	and	and	CCONJ
easat-8507	144	23	a	a	DET
easat-8507	144	24	→	→	SYM
easat-8507	144	25	pi	pi	NOUN
easat-8507	144	26	pathways	pathway	NOUN
easat-8507	144	27	exert	exert	VERB
easat-8507	144	28	moderate	moderate	ADJ
easat-8507	144	29	influences	influence	NOUN
easat-8507	144	30	on	on	ADP
easat-8507	144	31	their	their	PRON
easat-8507	144	32	corresponding	corresponding	ADJ
easat-8507	144	33	dependent	dependent	ADJ
easat-8507	144	34	variables	variable	NOUN
easat-8507	144	35	.	.	PUNCT
easat-8507	145	1	alternative	alternative	ADJ
easat-8507	145	2	pathways	pathway	NOUN
easat-8507	145	3	indicate	indicate	VERB
easat-8507	145	4	minimal	minimal	ADJ
easat-8507	145	5	contributions	contribution	NOUN
easat-8507	145	6	,	,	PUNCT
easat-8507	145	7	affirming	affirm	VERB
easat-8507	145	8	that	that	SCONJ
easat-8507	145	9	while	while	SCONJ
easat-8507	145	10	all	all	DET
easat-8507	145	11	constructs	construct	NOUN
easat-8507	145	12	are	be	AUX
easat-8507	145	13	theoretically	theoretically	ADV
easat-8507	145	14	pertinent	pertinent	ADJ
easat-8507	145	15	,	,	PUNCT
easat-8507	145	16	only	only	ADV
easat-8507	145	17	a	a	DET
easat-8507	145	18	select	select	ADJ
easat-8507	145	19	few	few	ADJ
easat-8507	145	20	exert	exert	ADJ
easat-8507	145	21	significant	significant	ADJ
easat-8507	145	22	practical	practical	ADJ
easat-8507	145	23	impact	impact	NOUN
easat-8507	145	24	.	.	PUNCT
easat-8507	146	1	consequently	consequently	ADV
easat-8507	146	2	,	,	PUNCT
easat-8507	146	3	attitudes	attitude	NOUN
easat-8507	146	4	shaped	shape	VERB
easat-8507	146	5	by	by	ADP
easat-8507	146	6	perceptions	perception	NOUN
easat-8507	146	7	of	of	ADP
easat-8507	146	8	product	product	NOUN
easat-8507	146	9	value	value	NOUN
easat-8507	146	10	are	be	AUX
easat-8507	146	11	the	the	DET
easat-8507	146	12	paramount	paramount	ADJ
easat-8507	146	13	factor	factor	NOUN
easat-8507	146	14	in	in	ADP
easat-8507	146	15	elucidating	elucidate	VERB
easat-8507	146	16	the	the	DET
easat-8507	146	17	intention	intention	NOUN
easat-8507	146	18	to	to	PART
easat-8507	146	19	utilize	utilize	VERB
easat-8507	146	20	digital	digital	ADJ
easat-8507	146	21	banking	banking	NOUN
easat-8507	146	22	services	service	NOUN
easat-8507	146	23	.	.	PUNCT
easat-8507	147	1	despite	despite	SCONJ
easat-8507	147	2	the	the	DET
easat-8507	147	3	model	model	NOUN
easat-8507	147	4	's	's	PART
easat-8507	147	5	robust	robust	ADJ
easat-8507	147	6	explanatory	explanatory	ADJ
easat-8507	147	7	capability	capability	NOUN
easat-8507	147	8	,	,	PUNCT
easat-8507	147	9	the	the	DET
easat-8507	147	10	outcomes	outcome	NOUN
easat-8507	147	11	of	of	ADP
easat-8507	147	12	the	the	DET
easat-8507	147	13	predictive	predictive	ADJ
easat-8507	147	14	relevance	relevance	NOUN
easat-8507	147	15	assessment	assessment	NOUN
easat-8507	147	16	(	(	PUNCT
easat-8507	147	17	plspredict	plspredict	PROPN
easat-8507	147	18	)	)	PUNCT
easat-8507	147	19	indicate	indicate	VERB
easat-8507	147	20	that	that	SCONJ
easat-8507	147	21	the	the	DET
easat-8507	147	22	out	out	ADJ
easat-8507	147	23	-	-	PUNCT
easat-8507	147	24	of	of	ADP
easat-8507	147	25	-	-	PUNCT
easat-8507	147	26	sample	sample	NOUN
easat-8507	147	27	predictive	predictive	ADJ
easat-8507	147	28	efficacy	efficacy	NOUN
easat-8507	147	29	remains	remain	VERB
easat-8507	147	30	comparatively	comparatively	ADV
easat-8507	147	31	low	low	ADJ
easat-8507	147	32	.	.	PUNCT
easat-8507	148	1	the	the	DET
easat-8507	148	2	majority	majority	NOUN
easat-8507	148	3	of	of	ADP
easat-8507	148	4	indicators	indicator	NOUN
easat-8507	148	5	exhibit	exhibit	VERB
easat-8507	148	6	rmse	rmse	PROPN
easat-8507	148	7	and	and	CCONJ
easat-8507	148	8	mae	mae	PROPN
easat-8507	148	9	values	value	NOUN
easat-8507	148	10	that	that	PRON
easat-8507	148	11	are	be	AUX
easat-8507	148	12	comparable	comparable	ADJ
easat-8507	148	13	to	to	ADP
easat-8507	148	14	or	or	CCONJ
easat-8507	148	15	exceed	exceed	VERB
easat-8507	148	16	those	those	PRON
easat-8507	148	17	of	of	ADP
easat-8507	148	18	the	the	DET
easat-8507	148	19	reference	reference	NOUN
easat-8507	148	20	linear	linear	PROPN
easat-8507	148	21	regression	regression	NOUN
easat-8507	148	22	model	model	NOUN
easat-8507	148	23	,	,	PUNCT
easat-8507	148	24	suggesting	suggest	VERB
easat-8507	148	25	that	that	SCONJ
easat-8507	148	26	this	this	DET
easat-8507	148	27	model	model	NOUN
easat-8507	148	28	is	be	AUX
easat-8507	148	29	more	more	ADV
easat-8507	148	30	suitable	suitable	ADJ
easat-8507	148	31	for	for	ADP
easat-8507	148	32	elucidating	elucidate	VERB
easat-8507	148	33	theoretical	theoretical	ADJ
easat-8507	148	34	relationships	relationship	NOUN
easat-8507	148	35	than	than	ADP
easat-8507	148	36	for	for	ADP
easat-8507	148	37	making	make	VERB
easat-8507	148	38	practical	practical	ADJ
easat-8507	148	39	predictions	prediction	NOUN
easat-8507	148	40	on	on	ADP
easat-8507	148	41	new	new	ADJ
easat-8507	148	42	data	datum	NOUN
easat-8507	148	43	.	.	PUNCT
easat-8507	149	1	while	while	SCONJ
easat-8507	149	2	the	the	DET
easat-8507	149	3	structural	structural	ADJ
easat-8507	149	4	relationship	relationship	NOUN
easat-8507	149	5	2952	2952	NUM
easat-8507	149	6	edelweiss	edelweiss	PROPN
easat-8507	149	7	applied	apply	VERB
easat-8507	149	8	science	science	NOUN
easat-8507	149	9	and	and	CCONJ
easat-8507	149	10	technology	technology	NOUN
easat-8507	149	11	issn	issn	PROPN
easat-8507	149	12	:	:	PUNCT
easat-8507	149	13	2576	2576	NUM
easat-8507	149	14	-	-	SYM
easat-8507	149	15	8484	8484	NUM
easat-8507	149	16	vol	vol	NOUN
easat-8507	149	17	.	.	PROPN
easat-8507	150	1	9	9	NUM
easat-8507	150	2	,	,	PUNCT
easat-8507	150	3	no	no	INTJ
easat-8507	150	4	.	.	NOUN
easat-8507	150	5	6	6	NUM
easat-8507	150	6	:	:	SYM
easat-8507	150	7	2946	2946	NUM
easat-8507	150	8	-	-	SYM
easat-8507	150	9	2954	2954	NUM
easat-8507	150	10	,	,	PUNCT
easat-8507	150	11	2025	2025	NUM
easat-8507	150	12	doi	doi	NOUN
easat-8507	150	13	:	:	PUNCT
easat-8507	150	14	10.55214/25768484.v9i6.8507	10.55214/25768484.v9i6.8507	NUM
easat-8507	150	15	©	©	PROPN
easat-8507	150	16	2025	2025	NUM
easat-8507	150	17	by	by	ADP
easat-8507	150	18	the	the	DET
easat-8507	150	19	authors	author	NOUN
easat-8507	150	20	;	;	PUNCT
easat-8507	150	21	licensee	licensee	PROPN
easat-8507	150	22	learning	learning	NOUN
easat-8507	150	23	gate	gate	NOUN
easat-8507	150	24	between	between	ADP
easat-8507	150	25	constructs	construct	NOUN
easat-8507	150	26	is	be	AUX
easat-8507	150	27	robust	robust	ADJ
easat-8507	150	28	and	and	CCONJ
easat-8507	150	29	significant	significant	ADJ
easat-8507	150	30	,	,	PUNCT
easat-8507	150	31	its	its	PRON
easat-8507	150	32	efficacy	efficacy	NOUN
easat-8507	150	33	in	in	ADP
easat-8507	150	34	forecasting	forecast	VERB
easat-8507	150	35	the	the	DET
easat-8507	150	36	actual	actual	ADJ
easat-8507	150	37	behaviour	behaviour	NOUN
easat-8507	150	38	of	of	ADP
easat-8507	150	39	new	new	ADJ
easat-8507	150	40	users	user	NOUN
easat-8507	150	41	necessitates	necessitate	VERB
easat-8507	150	42	further	further	ADJ
easat-8507	150	43	refinement	refinement	NOUN
easat-8507	150	44	,	,	PUNCT
easat-8507	150	45	including	include	VERB
easat-8507	150	46	the	the	DET
easat-8507	150	47	incorporation	incorporation	NOUN
easat-8507	150	48	of	of	ADP
easat-8507	150	49	additional	additional	ADJ
easat-8507	150	50	constructs	construct	NOUN
easat-8507	150	51	such	such	ADJ
easat-8507	150	52	as	as	ADP
easat-8507	150	53	trust	trust	NOUN
easat-8507	150	54	,	,	PUNCT
easat-8507	150	55	digital	digital	ADJ
easat-8507	150	56	literacy	literacy	NOUN
easat-8507	150	57	,	,	PUNCT
easat-8507	150	58	or	or	CCONJ
easat-8507	150	59	perceived	perceive	VERB
easat-8507	150	60	risk	risk	NOUN
easat-8507	150	61	.	.	PUNCT
easat-8507	151	1	these	these	DET
easat-8507	151	2	findings	finding	NOUN
easat-8507	151	3	substantiate	substantiate	VERB
easat-8507	151	4	the	the	DET
easat-8507	151	5	extension	extension	NOUN
easat-8507	151	6	of	of	ADP
easat-8507	151	7	the	the	DET
easat-8507	151	8	tpb	tpb	NOUN
easat-8507	151	9	as	as	ADP
easat-8507	151	10	a	a	DET
easat-8507	151	11	robust	robust	ADJ
easat-8507	151	12	framework	framework	NOUN
easat-8507	151	13	for	for	ADP
easat-8507	151	14	elucidating	elucidate	VERB
easat-8507	151	15	digital	digital	ADJ
easat-8507	151	16	banking	banking	NOUN
easat-8507	151	17	behaviour	behaviour	NOUN
easat-8507	151	18	.	.	PUNCT
easat-8507	152	1	the	the	DET
easat-8507	152	2	practical	practical	ADJ
easat-8507	152	3	implications	implication	NOUN
easat-8507	152	4	of	of	ADP
easat-8507	152	5	this	this	DET
easat-8507	152	6	study	study	NOUN
easat-8507	152	7	's	's	PART
easat-8507	152	8	results	result	NOUN
easat-8507	152	9	suggest	suggest	VERB
easat-8507	152	10	that	that	SCONJ
easat-8507	152	11	digital	digital	ADJ
easat-8507	152	12	banks	bank	NOUN
easat-8507	152	13	must	must	AUX
easat-8507	152	14	prioritize	prioritize	VERB
easat-8507	152	15	the	the	DET
easat-8507	152	16	development	development	NOUN
easat-8507	152	17	of	of	ADP
easat-8507	152	18	consumer	consumer	NOUN
easat-8507	152	19	-	-	PUNCT
easat-8507	152	20	perceived	perceive	VERB
easat-8507	152	21	product	product	NOUN
easat-8507	152	22	value	value	NOUN
easat-8507	152	23	and	and	CCONJ
easat-8507	152	24	foster	foster	ADJ
easat-8507	152	25	positive	positive	ADJ
easat-8507	152	26	attitudes	attitude	NOUN
easat-8507	152	27	through	through	ADP
easat-8507	152	28	responsive	responsive	ADJ
easat-8507	152	29	,	,	PUNCT
easat-8507	152	30	secure	secure	ADJ
easat-8507	152	31	,	,	PUNCT
easat-8507	152	32	and	and	CCONJ
easat-8507	152	33	value	value	NOUN
easat-8507	152	34	-	-	PUNCT
easat-8507	152	35	enhancing	enhance	VERB
easat-8507	152	36	services	service	NOUN
easat-8507	152	37	.	.	PUNCT
easat-8507	153	1	although	although	SCONJ
easat-8507	153	2	brand	brand	NOUN
easat-8507	153	3	perception	perception	NOUN
easat-8507	153	4	is	be	AUX
easat-8507	153	5	significant	significant	ADJ
easat-8507	153	6	,	,	PUNCT
easat-8507	153	7	communication	communication	NOUN
easat-8507	153	8	strategies	strategy	NOUN
easat-8507	153	9	that	that	PRON
easat-8507	153	10	influence	influence	VERB
easat-8507	153	11	users	user	NOUN
easat-8507	153	12	'	'	PART
easat-8507	153	13	attitudes	attitude	NOUN
easat-8507	153	14	and	and	CCONJ
easat-8507	153	15	behavioural	behavioural	ADJ
easat-8507	153	16	regulation	regulation	NOUN
easat-8507	153	17	will	will	AUX
easat-8507	153	18	more	more	ADV
easat-8507	153	19	effectively	effectively	ADV
easat-8507	153	20	enhance	enhance	VERB
easat-8507	153	21	usage	usage	NOUN
easat-8507	153	22	intentions	intention	NOUN
easat-8507	153	23	.	.	PUNCT
easat-8507	154	1	this	this	DET
easat-8507	154	2	research	research	NOUN
easat-8507	154	3	presents	present	VERB
easat-8507	154	4	additional	additional	ADJ
easat-8507	154	5	prospects	prospect	NOUN
easat-8507	154	6	for	for	ADP
easat-8507	154	7	incorporating	incorporate	VERB
easat-8507	154	8	external	external	ADJ
easat-8507	154	9	and	and	CCONJ
easat-8507	154	10	emotional	emotional	ADJ
easat-8507	154	11	variables	variable	NOUN
easat-8507	154	12	into	into	ADP
easat-8507	154	13	forthcoming	forthcoming	ADJ
easat-8507	154	14	digital	digital	ADJ
easat-8507	154	15	consumer	consumer	NOUN
easat-8507	154	16	behaviour	behaviour	NOUN
easat-8507	154	17	models	model	NOUN
easat-8507	154	18	.	.	PUNCT
easat-8507	155	1	figure	figure	VERB
easat-8507	155	2	3	3	NUM
easat-8507	155	3	.	.	PUNCT
easat-8507	156	1	the	the	DET
easat-8507	156	2	path	path	NOUN
easat-8507	156	3	model	model	NOUN
easat-8507	156	4	of	of	ADP
easat-8507	156	5	"	"	PUNCT
easat-8507	156	6	consumer	consumer	NOUN
easat-8507	156	7	intentions	intention	NOUN
easat-8507	156	8	in	in	ADP
easat-8507	156	9	using	use	VERB
easat-8507	156	10	digital	digital	ADJ
easat-8507	156	11	banking	banking	NOUN
easat-8507	156	12	services	service	NOUN
easat-8507	156	13	"	"	PUNCT
easat-8507	156	14	.	.	PUNCT
easat-8507	157	1	5	5	X
easat-8507	157	2	.	.	X
easat-8507	157	3	conclusion	conclusion	NOUN
easat-8507	157	4	this	this	DET
easat-8507	157	5	study	study	NOUN
easat-8507	157	6	concludes	conclude	VERB
easat-8507	157	7	that	that	SCONJ
easat-8507	157	8	consumer	consumer	NOUN
easat-8507	157	9	intention	intention	NOUN
easat-8507	157	10	to	to	PART
easat-8507	157	11	utilize	utilize	VERB
easat-8507	157	12	digital	digital	ADJ
easat-8507	157	13	banking	banking	NOUN
easat-8507	157	14	services	service	NOUN
easat-8507	157	15	is	be	AUX
easat-8507	157	16	significantly	significantly	ADV
easat-8507	157	17	affected	affect	VERB
easat-8507	157	18	by	by	ADP
easat-8507	157	19	attitude	attitude	NOUN
easat-8507	157	20	,	,	PUNCT
easat-8507	157	21	subjective	subjective	ADJ
easat-8507	157	22	norm	norm	NOUN
easat-8507	157	23	,	,	PUNCT
easat-8507	157	24	and	and	CCONJ
easat-8507	157	25	perceived	perceive	VERB
easat-8507	157	26	behavioural	behavioural	ADJ
easat-8507	157	27	control	control	NOUN
easat-8507	157	28	,	,	PUNCT
easat-8507	157	29	as	as	SCONJ
easat-8507	157	30	determined	determine	VERB
easat-8507	157	31	by	by	ADP
easat-8507	157	32	sem	sem	ADJ
easat-8507	157	33	-	-	PUNCT
easat-8507	157	34	pls	pls	NOUN
easat-8507	157	35	analysis	analysis	NOUN
easat-8507	157	36	using	use	VERB
easat-8507	157	37	smartpls	smartpls	NOUN
easat-8507	157	38	4	4	NUM
easat-8507	157	39	software	software	NOUN
easat-8507	157	40	.	.	PUNCT
easat-8507	158	1	attitude	attitude	NOUN
easat-8507	158	2	is	be	AUX
easat-8507	158	3	the	the	DET
easat-8507	158	4	construct	construct	NOUN
easat-8507	158	5	that	that	SCONJ
easat-8507	158	6	most	most	ADV
easat-8507	158	7	significantly	significantly	ADV
easat-8507	158	8	affects	affect	VERB
easat-8507	158	9	usage	usage	NOUN
easat-8507	158	10	intention	intention	NOUN
easat-8507	158	11	,	,	PUNCT
easat-8507	158	12	primarily	primarily	ADV
easat-8507	158	13	shaped	shape	VERB
easat-8507	158	14	by	by	ADP
easat-8507	158	15	consumer	consumer	NOUN
easat-8507	158	16	perceptions	perception	NOUN
easat-8507	158	17	of	of	ADP
easat-8507	158	18	the	the	DET
easat-8507	158	19	product	product	NOUN
easat-8507	158	20	's	's	PART
easat-8507	158	21	perceived	perceive	VERB
easat-8507	158	22	value	value	NOUN
easat-8507	158	23	.	.	PUNCT
easat-8507	159	1	the	the	DET
easat-8507	159	2	usability	usability	NOUN
easat-8507	159	3	of	of	ADP
easat-8507	159	4	digital	digital	ADJ
easat-8507	159	5	banking	banking	NOUN
easat-8507	159	6	services	service	NOUN
easat-8507	159	7	has	have	AUX
easat-8507	159	8	been	be	AUX
easat-8507	159	9	demonstrated	demonstrate	VERB
easat-8507	159	10	to	to	PART
easat-8507	159	11	foster	foster	VERB
easat-8507	159	12	favourable	favourable	ADJ
easat-8507	159	13	attitudes	attitude	NOUN
easat-8507	159	14	and	and	CCONJ
easat-8507	159	15	perceptions	perception	NOUN
easat-8507	159	16	of	of	ADP
easat-8507	159	17	control	control	NOUN
easat-8507	159	18	,	,	PUNCT
easat-8507	159	19	although	although	SCONJ
easat-8507	159	20	it	it	PRON
easat-8507	159	21	does	do	AUX
easat-8507	159	22	not	not	PART
easat-8507	159	23	directly	directly	ADV
easat-8507	159	24	influence	influence	VERB
easat-8507	159	25	social	social	ADJ
easat-8507	159	26	norms	norm	NOUN
easat-8507	159	27	.	.	PUNCT
easat-8507	160	1	the	the	DET
easat-8507	160	2	perception	perception	NOUN
easat-8507	160	3	of	of	ADP
easat-8507	160	4	the	the	DET
easat-8507	160	5	brand	brand	NOUN
easat-8507	160	6	exerts	exert	VERB
easat-8507	160	7	a	a	DET
easat-8507	160	8	beneficial	beneficial	ADJ
easat-8507	160	9	effect	effect	NOUN
easat-8507	160	10	,	,	PUNCT
easat-8507	160	11	albeit	albeit	SCONJ
easat-8507	160	12	with	with	ADP
easat-8507	160	13	a	a	DET
easat-8507	160	14	comparatively	comparatively	ADV
easat-8507	160	15	minor	minor	ADJ
easat-8507	160	16	impact	impact	NOUN
easat-8507	160	17	.	.	PUNCT
easat-8507	161	1	the	the	DET
easat-8507	161	2	model	model	NOUN
easat-8507	161	3	demonstrates	demonstrate	VERB
easat-8507	161	4	strong	strong	ADJ
easat-8507	161	5	theoretical	theoretical	ADJ
easat-8507	161	6	explanatory	explanatory	ADJ
easat-8507	161	7	capability	capability	NOUN
easat-8507	161	8	;	;	PUNCT
easat-8507	161	9	however	however	ADV
easat-8507	161	10	,	,	PUNCT
easat-8507	161	11	its	its	PRON
easat-8507	161	12	out	out	ADV
easat-8507	161	13	-	-	PUNCT
easat-8507	161	14	of	of	ADP
easat-8507	161	15	-	-	PUNCT
easat-8507	161	16	sample	sample	NOUN
easat-8507	161	17	predictive	predictive	ADJ
easat-8507	161	18	accuracy	accuracy	NOUN
easat-8507	161	19	remains	remain	VERB
easat-8507	161	20	comparatively	comparatively	ADV
easat-8507	161	21	low	low	ADJ
easat-8507	161	22	,	,	PUNCT
easat-8507	161	23	highlighting	highlight	VERB
easat-8507	161	24	the	the	DET
easat-8507	161	25	necessity	necessity	NOUN
easat-8507	161	26	for	for	ADP
easat-8507	161	27	additional	additional	ADJ
easat-8507	161	28	model	model	NOUN
easat-8507	161	29	enhancement	enhancement	NOUN
easat-8507	161	30	.	.	PUNCT
easat-8507	162	1	digital	digital	ADJ
easat-8507	162	2	banks	bank	NOUN
easat-8507	162	3	should	should	AUX
easat-8507	162	4	prioritize	prioritize	VERB
easat-8507	162	5	enhancing	enhance	VERB
easat-8507	162	6	the	the	DET
easat-8507	162	7	perceived	perceive	VERB
easat-8507	162	8	value	value	NOUN
easat-8507	162	9	of	of	ADP
easat-8507	162	10	their	their	PRON
easat-8507	162	11	products	product	NOUN
easat-8507	162	12	by	by	ADP
easat-8507	162	13	highlighting	highlight	VERB
easat-8507	162	14	functional	functional	ADJ
easat-8507	162	15	advantages	advantage	NOUN
easat-8507	162	16	,	,	PUNCT
easat-8507	162	17	security	security	NOUN
easat-8507	162	18	,	,	PUNCT
easat-8507	162	19	accessibility	accessibility	NOUN
easat-8507	162	20	,	,	PUNCT
easat-8507	162	21	and	and	CCONJ
easat-8507	162	22	cost	cost	NOUN
easat-8507	162	23	-	-	PUNCT
easat-8507	162	24	effectiveness	effectiveness	NOUN
easat-8507	162	25	.	.	PUNCT
easat-8507	163	1	marketing	marketing	NOUN
easat-8507	163	2	strategies	strategy	NOUN
easat-8507	163	3	must	must	AUX
easat-8507	163	4	focus	focus	VERB
easat-8507	163	5	on	on	ADP
easat-8507	163	6	enhancing	enhance	VERB
easat-8507	163	7	favourable	favourable	ADJ
easat-8507	163	8	consumer	consumer	NOUN
easat-8507	163	9	perceptions	perception	NOUN
easat-8507	163	10	via	via	ADP
easat-8507	163	11	digital	digital	ADJ
easat-8507	163	12	education	education	NOUN
easat-8507	163	13	,	,	PUNCT
easat-8507	163	14	customer	customer	NOUN
easat-8507	163	15	testimonials	testimonial	NOUN
easat-8507	163	16	,	,	PUNCT
easat-8507	163	17	and	and	CCONJ
easat-8507	163	18	tailored	tailor	VERB
easat-8507	163	19	2953	2953	NUM
easat-8507	163	20	edelweiss	edelweiss	PROPN
easat-8507	163	21	applied	apply	VERB
easat-8507	163	22	science	science	NOUN
easat-8507	163	23	and	and	CCONJ
easat-8507	163	24	technology	technology	NOUN
easat-8507	163	25	issn	issn	PROPN
easat-8507	163	26	:	:	PUNCT
easat-8507	163	27	2576	2576	NUM
easat-8507	163	28	-	-	SYM
easat-8507	163	29	8484	8484	NUM
easat-8507	163	30	vol	vol	NOUN
easat-8507	163	31	.	.	PROPN
easat-8507	164	1	9	9	NUM
easat-8507	164	2	,	,	PUNCT
easat-8507	164	3	no	no	INTJ
easat-8507	164	4	.	.	NOUN
easat-8507	164	5	6	6	NUM
easat-8507	164	6	:	:	SYM
easat-8507	164	7	2946	2946	NUM
easat-8507	164	8	-	-	SYM
easat-8507	164	9	2954	2954	NUM
easat-8507	164	10	,	,	PUNCT
easat-8507	164	11	2025	2025	NUM
easat-8507	164	12	doi	doi	NOUN
easat-8507	164	13	:	:	PUNCT
easat-8507	164	14	10.55214/25768484.v9i6.8507	10.55214/25768484.v9i6.8507	NUM
easat-8507	164	15	©	©	PROPN
easat-8507	164	16	2025	2025	NUM
easat-8507	164	17	by	by	ADP
easat-8507	164	18	the	the	DET
easat-8507	164	19	authors	author	NOUN
easat-8507	164	20	;	;	PUNCT
easat-8507	164	21	licensee	licensee	PROPN
easat-8507	164	22	learning	learn	VERB
easat-8507	164	23	gate	gate	PROPN
easat-8507	164	24	user	user	NOUN
easat-8507	164	25	experiences	experience	NOUN
easat-8507	164	26	.	.	PUNCT
easat-8507	165	1	it	it	PRON
easat-8507	165	2	is	be	AUX
easat-8507	165	3	essential	essential	ADJ
easat-8507	165	4	to	to	PART
easat-8507	165	5	enhance	enhance	VERB
easat-8507	165	6	subjective	subjective	ADJ
easat-8507	165	7	norms	norm	NOUN
easat-8507	165	8	via	via	ADP
easat-8507	165	9	community	community	NOUN
easat-8507	165	10	strategies	strategy	NOUN
easat-8507	165	11	,	,	PUNCT
easat-8507	165	12	endorsements	endorsement	NOUN
easat-8507	165	13	,	,	PUNCT
easat-8507	165	14	or	or	CCONJ
easat-8507	165	15	campaigns	campaign	NOUN
easat-8507	165	16	that	that	PRON
easat-8507	165	17	leverage	leverage	VERB
easat-8507	165	18	social	social	ADJ
easat-8507	165	19	influencers	influencer	NOUN
easat-8507	165	20	or	or	CCONJ
easat-8507	165	21	online	online	ADJ
easat-8507	165	22	communities	community	NOUN
easat-8507	165	23	.	.	PUNCT
easat-8507	166	1	6	6	X
easat-8507	166	2	.	.	X
easat-8507	166	3	discussion	discussion	NOUN
easat-8507	166	4	despite	despite	SCONJ
easat-8507	166	5	the	the	DET
easat-8507	166	6	model	model	NOUN
easat-8507	166	7	's	's	PART
easat-8507	166	8	robust	robust	ADJ
easat-8507	166	9	explanatory	explanatory	ADJ
easat-8507	166	10	capacity	capacity	NOUN
easat-8507	166	11	,	,	PUNCT
easat-8507	166	12	the	the	DET
easat-8507	166	13	results	result	NOUN
easat-8507	166	14	from	from	ADP
easat-8507	166	15	the	the	DET
easat-8507	166	16	predictive	predictive	ADJ
easat-8507	166	17	relevance	relevance	NOUN
easat-8507	166	18	assessment	assessment	NOUN
easat-8507	166	19	(	(	PUNCT
easat-8507	166	20	plspredict	plspredict	PROPN
easat-8507	166	21	)	)	PUNCT
easat-8507	166	22	indicate	indicate	VERB
easat-8507	166	23	that	that	SCONJ
easat-8507	166	24	the	the	DET
easat-8507	166	25	out	out	ADJ
easat-8507	166	26	-	-	PUNCT
easat-8507	166	27	of	of	ADP
easat-8507	166	28	-	-	PUNCT
easat-8507	166	29	sample	sample	NOUN
easat-8507	166	30	predictive	predictive	ADJ
easat-8507	166	31	efficacy	efficacy	NOUN
easat-8507	166	32	remains	remain	VERB
easat-8507	166	33	comparatively	comparatively	ADV
easat-8507	166	34	low	low	ADJ
easat-8507	166	35	.	.	PUNCT
easat-8507	167	1	the	the	DET
easat-8507	167	2	majority	majority	NOUN
easat-8507	167	3	of	of	ADP
easat-8507	167	4	indicators	indicator	NOUN
easat-8507	167	5	exhibit	exhibit	VERB
easat-8507	167	6	rmse	rmse	PROPN
easat-8507	167	7	and	and	CCONJ
easat-8507	167	8	mae	mae	PROPN
easat-8507	167	9	values	value	NOUN
easat-8507	167	10	that	that	PRON
easat-8507	167	11	are	be	AUX
easat-8507	167	12	comparable	comparable	ADJ
easat-8507	167	13	to	to	ADP
easat-8507	167	14	or	or	CCONJ
easat-8507	167	15	exceed	exceed	VERB
easat-8507	167	16	those	those	PRON
easat-8507	167	17	of	of	ADP
easat-8507	167	18	the	the	DET
easat-8507	167	19	reference	reference	NOUN
easat-8507	167	20	linear	linear	PROPN
easat-8507	167	21	regression	regression	NOUN
easat-8507	167	22	model	model	NOUN
easat-8507	167	23	,	,	PUNCT
easat-8507	167	24	suggesting	suggest	VERB
easat-8507	167	25	that	that	SCONJ
easat-8507	167	26	this	this	DET
easat-8507	167	27	model	model	NOUN
easat-8507	167	28	is	be	AUX
easat-8507	167	29	more	more	ADV
easat-8507	167	30	suitable	suitable	ADJ
easat-8507	167	31	for	for	ADP
easat-8507	167	32	elucidating	elucidate	VERB
easat-8507	167	33	theoretical	theoretical	ADJ
easat-8507	167	34	relationships	relationship	NOUN
easat-8507	167	35	than	than	ADP
easat-8507	167	36	for	for	ADP
easat-8507	167	37	making	make	VERB
easat-8507	167	38	practical	practical	ADJ
easat-8507	167	39	predictions	prediction	NOUN
easat-8507	167	40	of	of	ADP
easat-8507	167	41	new	new	ADJ
easat-8507	167	42	data	datum	NOUN
easat-8507	167	43	.	.	PUNCT
easat-8507	168	1	while	while	SCONJ
easat-8507	168	2	the	the	DET
easat-8507	168	3	structural	structural	ADJ
easat-8507	168	4	relationship	relationship	NOUN
easat-8507	168	5	between	between	ADP
easat-8507	168	6	constructs	construct	NOUN
easat-8507	168	7	is	be	AUX
easat-8507	168	8	robust	robust	ADJ
easat-8507	168	9	and	and	CCONJ
easat-8507	168	10	significant	significant	ADJ
easat-8507	168	11	,	,	PUNCT
easat-8507	168	12	its	its	PRON
easat-8507	168	13	efficacy	efficacy	NOUN
easat-8507	168	14	in	in	ADP
easat-8507	168	15	forecasting	forecast	VERB
easat-8507	168	16	the	the	DET
easat-8507	168	17	actual	actual	ADJ
easat-8507	168	18	behaviour	behaviour	NOUN
easat-8507	168	19	of	of	ADP
easat-8507	168	20	new	new	ADJ
easat-8507	168	21	users	user	NOUN
easat-8507	168	22	necessitates	necessitate	VERB
easat-8507	168	23	further	further	ADJ
easat-8507	168	24	refinement	refinement	NOUN
easat-8507	168	25	,	,	PUNCT
easat-8507	168	26	including	include	VERB
easat-8507	168	27	the	the	DET
easat-8507	168	28	incorporation	incorporation	NOUN
easat-8507	168	29	of	of	ADP
easat-8507	168	30	additional	additional	ADJ
easat-8507	168	31	constructs	construct	NOUN
easat-8507	168	32	such	such	ADJ
easat-8507	168	33	as	as	ADP
easat-8507	168	34	trust	trust	NOUN
easat-8507	168	35	,	,	PUNCT
easat-8507	168	36	digital	digital	ADJ
easat-8507	168	37	literacy	literacy	NOUN
easat-8507	168	38	,	,	PUNCT
easat-8507	168	39	or	or	CCONJ
easat-8507	168	40	perceived	perceive	VERB
easat-8507	168	41	risk	risk	NOUN
easat-8507	168	42	.	.	PUNCT
easat-8507	169	1	these	these	DET
easat-8507	169	2	findings	finding	NOUN
easat-8507	169	3	substantiate	substantiate	VERB
easat-8507	169	4	the	the	DET
easat-8507	169	5	extension	extension	NOUN
easat-8507	169	6	of	of	ADP
easat-8507	169	7	the	the	DET
easat-8507	169	8	tpb	tpb	NOUN
easat-8507	169	9	as	as	ADP
easat-8507	169	10	a	a	DET
easat-8507	169	11	robust	robust	ADJ
easat-8507	169	12	framework	framework	NOUN
easat-8507	169	13	for	for	ADP
easat-8507	169	14	elucidating	elucidate	VERB
easat-8507	169	15	digital	digital	ADJ
easat-8507	169	16	banking	banking	NOUN
easat-8507	169	17	behaviour	behaviour	NOUN
easat-8507	169	18	.	.	PUNCT
easat-8507	170	1	the	the	DET
easat-8507	170	2	practical	practical	ADJ
easat-8507	170	3	implications	implication	NOUN
easat-8507	170	4	of	of	ADP
easat-8507	170	5	this	this	DET
easat-8507	170	6	study	study	NOUN
easat-8507	170	7	's	's	PART
easat-8507	170	8	results	result	NOUN
easat-8507	170	9	suggest	suggest	VERB
easat-8507	170	10	that	that	SCONJ
easat-8507	170	11	digital	digital	ADJ
easat-8507	170	12	banks	bank	NOUN
easat-8507	170	13	must	must	AUX
easat-8507	170	14	prioritize	prioritize	VERB
easat-8507	170	15	the	the	DET
easat-8507	170	16	development	development	NOUN
easat-8507	170	17	of	of	ADP
easat-8507	170	18	consumer	consumer	NOUN
easat-8507	170	19	-	-	PUNCT
easat-8507	170	20	perceived	perceive	VERB
easat-8507	170	21	product	product	NOUN
easat-8507	170	22	value	value	NOUN
easat-8507	170	23	and	and	CCONJ
easat-8507	170	24	foster	foster	ADJ
easat-8507	170	25	favourable	favourable	ADJ
easat-8507	170	26	attitudes	attitude	NOUN
easat-8507	170	27	through	through	ADP
easat-8507	170	28	responsive	responsive	ADJ
easat-8507	170	29	,	,	PUNCT
easat-8507	170	30	secure	secure	ADJ
easat-8507	170	31	,	,	PUNCT
easat-8507	170	32	and	and	CCONJ
easat-8507	170	33	value	value	NOUN
easat-8507	170	34	-	-	PUNCT
easat-8507	170	35	enhancing	enhance	VERB
easat-8507	170	36	services	service	NOUN
easat-8507	170	37	.	.	PUNCT
easat-8507	171	1	although	although	SCONJ
easat-8507	171	2	brand	brand	NOUN
easat-8507	171	3	perception	perception	NOUN
easat-8507	171	4	is	be	AUX
easat-8507	171	5	significant	significant	ADJ
easat-8507	171	6	,	,	PUNCT
easat-8507	171	7	communication	communication	NOUN
easat-8507	171	8	strategies	strategy	NOUN
easat-8507	171	9	that	that	PRON
easat-8507	171	10	influence	influence	VERB
easat-8507	171	11	users	user	NOUN
easat-8507	171	12	'	'	PART
easat-8507	171	13	attitudes	attitude	NOUN
easat-8507	171	14	and	and	CCONJ
easat-8507	171	15	behavioural	behavioural	ADJ
easat-8507	171	16	regulation	regulation	NOUN
easat-8507	171	17	will	will	AUX
easat-8507	171	18	be	be	AUX
easat-8507	171	19	more	more	ADV
easat-8507	171	20	efficacious	efficacious	ADJ
easat-8507	171	21	in	in	ADP
easat-8507	171	22	enhancing	enhance	VERB
easat-8507	171	23	usage	usage	NOUN
easat-8507	171	24	intentions	intention	NOUN
easat-8507	171	25	.	.	PUNCT
easat-8507	172	1	this	this	DET
easat-8507	172	2	study	study	NOUN
easat-8507	172	3	presents	present	VERB
easat-8507	172	4	additional	additional	ADJ
easat-8507	172	5	opportunities	opportunity	NOUN
easat-8507	172	6	to	to	PART
easat-8507	172	7	incorporate	incorporate	VERB
easat-8507	172	8	external	external	ADJ
easat-8507	172	9	and	and	CCONJ
easat-8507	172	10	emotional	emotional	ADJ
easat-8507	172	11	factors	factor	NOUN
easat-8507	172	12	into	into	ADP
easat-8507	172	13	future	future	ADJ
easat-8507	172	14	digital	digital	ADJ
easat-8507	172	15	consumer	consumer	NOUN
easat-8507	172	16	behaviour	behaviour	NOUN
easat-8507	172	17	models	model	NOUN
easat-8507	172	18	.	.	PUNCT
easat-8507	173	1	transparency	transparency	NOUN
easat-8507	173	2	:	:	PUNCT
easat-8507	173	3	the	the	DET
easat-8507	173	4	authors	author	NOUN
easat-8507	173	5	confirm	confirm	VERB
easat-8507	173	6	that	that	SCONJ
easat-8507	173	7	the	the	DET
easat-8507	173	8	manuscript	manuscript	NOUN
easat-8507	173	9	is	be	AUX
easat-8507	173	10	an	an	DET
easat-8507	173	11	honest	honest	ADJ
easat-8507	173	12	,	,	PUNCT
easat-8507	173	13	accurate	accurate	ADJ
easat-8507	173	14	,	,	PUNCT
easat-8507	173	15	and	and	CCONJ
easat-8507	173	16	transparent	transparent	ADJ
easat-8507	173	17	account	account	NOUN
easat-8507	173	18	of	of	ADP
easat-8507	173	19	the	the	DET
easat-8507	173	20	study	study	NOUN
easat-8507	173	21	;	;	PUNCT
easat-8507	173	22	that	that	SCONJ
easat-8507	173	23	no	no	DET
easat-8507	173	24	vital	vital	ADJ
easat-8507	173	25	features	feature	NOUN
easat-8507	173	26	of	of	ADP
easat-8507	173	27	the	the	DET
easat-8507	173	28	study	study	NOUN
easat-8507	173	29	have	have	AUX
easat-8507	173	30	been	be	AUX
easat-8507	173	31	omitted	omit	VERB
easat-8507	173	32	;	;	PUNCT
easat-8507	173	33	and	and	CCONJ
easat-8507	173	34	that	that	SCONJ
easat-8507	173	35	any	any	DET
easat-8507	173	36	discrepancies	discrepancy	NOUN
easat-8507	173	37	from	from	ADP
easat-8507	173	38	the	the	DET
easat-8507	173	39	study	study	NOUN
easat-8507	173	40	as	as	SCONJ
easat-8507	173	41	planned	plan	VERB
easat-8507	173	42	have	have	AUX
easat-8507	173	43	been	be	AUX
easat-8507	173	44	explained	explain	VERB
easat-8507	173	45	.	.	PUNCT
easat-8507	174	1	this	this	DET
easat-8507	174	2	study	study	NOUN
easat-8507	174	3	followed	follow	VERB
easat-8507	174	4	all	all	DET
easat-8507	174	5	ethical	ethical	ADJ
easat-8507	174	6	practices	practice	NOUN
easat-8507	174	7	during	during	ADP
easat-8507	174	8	writing	writing	NOUN
easat-8507	174	9	.	.	PUNCT
easat-8507	175	1	copyright	copyright	NOUN
easat-8507	175	2	:	:	PUNCT
easat-8507	175	3	©	©	PROPN
easat-8507	175	4	2025	2025	NUM
easat-8507	175	5	by	by	ADP
easat-8507	175	6	the	the	DET
easat-8507	175	7	authors	author	NOUN
easat-8507	175	8	.	.	PUNCT
easat-8507	176	1	this	this	DET
easat-8507	176	2	open	open	ADJ
easat-8507	176	3	-	-	PUNCT
easat-8507	176	4	access	access	NOUN
easat-8507	176	5	article	article	NOUN
easat-8507	176	6	is	be	AUX
easat-8507	176	7	distributed	distribute	VERB
easat-8507	176	8	under	under	ADP
easat-8507	176	9	the	the	DET
easat-8507	176	10	terms	term	NOUN
easat-8507	176	11	and	and	CCONJ
easat-8507	176	12	conditions	condition	NOUN
easat-8507	176	13	of	of	ADP
easat-8507	176	14	the	the	DET
easat-8507	176	15	creative	creative	ADJ
easat-8507	176	16	commons	common	NOUN
easat-8507	176	17	attribution	attribution	NOUN
easat-8507	176	18	(	(	PUNCT
easat-8507	176	19	cc	cc	NOUN
easat-8507	176	20	by	by	ADP
easat-8507	176	21	)	)	PUNCT
easat-8507	176	22	license	license	NOUN
easat-8507	176	23	(	(	PUNCT
easat-8507	176	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-8507	176	25	)	)	PUNCT
easat-8507	176	26	.	.	PUNCT
easat-8507	177	1	references	reference	NOUN
easat-8507	177	2	[	[	X
easat-8507	177	3	1	1	NUM
easat-8507	177	4	]	]	PUNCT
easat-8507	177	5	riwantini	riwantini	NOUN
easat-8507	177	6	,	,	PUNCT
easat-8507	177	7	"	"	PUNCT
easat-8507	177	8	mengenal	mengenal	ADJ
easat-8507	177	9	bank	bank	NOUN
easat-8507	177	10	digital	digital	PROPN
easat-8507	177	11	.	.	PUNCT
easat-8507	178	1	1st	1st	ADJ
easat-8507	178	2	ed	ed	NOUN
easat-8507	178	3	,	,	PUNCT
easat-8507	178	4	"	"	PUNCT
easat-8507	178	5	2023	2023	NUM
easat-8507	178	6	.	.	PUNCT
easat-8507	179	1	[	[	X
easat-8507	179	2	2	2	X
easat-8507	179	3	]	]	PUNCT
easat-8507	179	4	j.	j.	PROPN
easat-8507	179	5	b.	b.	PROPN
easat-8507	179	6	ballo	ballo	PROPN
easat-8507	179	7	,	,	PUNCT
easat-8507	179	8	v.	v.	PROPN
easat-8507	179	9	c.	c.	PROPN
easat-8507	179	10	a.	a.	PROPN
easat-8507	179	11	estandian	estandian	PROPN
easat-8507	179	12	,	,	PUNCT
easat-8507	179	13	s.	s.	PROPN
easat-8507	179	14	r.	r.	PROPN
easat-8507	179	15	m.	m.	PROPN
easat-8507	179	16	padual	padual	PROPN
easat-8507	179	17	,	,	PUNCT
easat-8507	179	18	r.	r.	PROPN
easat-8507	179	19	d.	d.	PROPN
easat-8507	179	20	torres	torres	PROPN
easat-8507	179	21	,	,	PUNCT
easat-8507	179	22	j.	j.	PROPN
easat-8507	179	23	d.	d.	PROPN
easat-8507	179	24	german	german	PROPN
easat-8507	179	25	,	,	PUNCT
easat-8507	179	26	and	and	CCONJ
easat-8507	179	27	a.	a.	NOUN
easat-8507	179	28	a.	a.	PROPN
easat-8507	179	29	n.	n.	PROPN
easat-8507	179	30	p.	p.	PROPN
easat-8507	179	31	redi	redi	PROPN
easat-8507	179	32	,	,	PUNCT
easat-8507	179	33	"	"	PUNCT
easat-8507	179	34	assessing	assess	VERB
easat-8507	179	35	digital	digital	ADJ
easat-8507	179	36	bank	bank	NOUN
easat-8507	179	37	preferences	preference	NOUN
easat-8507	179	38	in	in	ADP
easat-8507	179	39	the	the	DET
easat-8507	179	40	philippines	philippine	NOUN
easat-8507	179	41	:	:	PUNCT
easat-8507	179	42	an	an	DET
easat-8507	179	43	application	application	NOUN
easat-8507	179	44	of	of	ADP
easat-8507	179	45	analytic	analytic	ADJ
easat-8507	179	46	hierarchy	hierarchy	NOUN
easat-8507	179	47	process	process	NOUN
easat-8507	179	48	,	,	PUNCT
easat-8507	179	49	"	"	PUNCT
easat-8507	179	50	procedia	procedia	NOUN
easat-8507	179	51	computer	computer	NOUN
easat-8507	179	52	science	science	NOUN
easat-8507	179	53	,	,	PUNCT
easat-8507	179	54	vol	vol	NOUN
easat-8507	179	55	.	.	PROPN
easat-8507	179	56	234	234	NUM
easat-8507	179	57	,	,	PUNCT
easat-8507	179	58	pp	pp	ADJ
easat-8507	179	59	.	.	PUNCT
easat-8507	180	1	1553	1553	NUM
easat-8507	180	2	-	-	SYM
easat-8507	180	3	1560	1560	NUM
easat-8507	180	4	,	,	PUNCT
easat-8507	180	5	2024/01/01/	2024/01/01/	NUM
easat-8507	180	6	2024	2024	NUM
easat-8507	180	7	.	.	PUNCT
easat-8507	181	1	https://doi.org/10.1016/j.procs.2024.03.157	https://doi.org/10.1016/j.procs.2024.03.157	NOUN
easat-8507	181	2	[	[	X
easat-8507	181	3	3	3	NUM
easat-8507	181	4	]	]	X
easat-8507	181	5	f.	f.	PROPN
easat-8507	181	6	hidranto	hidranto	PROPN
easat-8507	181	7	,	,	PUNCT
easat-8507	181	8	"	"	PUNCT
easat-8507	181	9	indonesia.go.id	indonesia.go.id	X
easat-8507	181	10	transaksi	transaksi	VERB
easat-8507	181	11	digital	digital	ADJ
easat-8507	181	12	tumbuh	tumbuh	NOUN
easat-8507	181	13	pesat	pesat	VERB
easat-8507	181	14	,	,	PUNCT
easat-8507	181	15	"	"	PUNCT
easat-8507	181	16	2024	2024	NUM
easat-8507	181	17	.	.	PUNCT
easat-8507	182	1	https://indonesia.go.id/kategori/editorial/8279/transaksi-digital-tumbuh-pesat?lang=1	https://indonesia.go.id/kategori/editorial/8279/transaksi-digital-tumbuh-pesat?lang=1	ADJ
easat-8507	182	2	[	[	X
easat-8507	182	3	4	4	X
easat-8507	182	4	]	]	X
easat-8507	182	5	d.	d.	PROPN
easat-8507	182	6	rahadian	rahadian	PROPN
easat-8507	182	7	,	,	PUNCT
easat-8507	182	8	s.	s.	PROPN
easat-8507	182	9	suriman	suriman	PROPN
easat-8507	182	10	,	,	PUNCT
easat-8507	182	11	a.	a.	NOUN
easat-8507	182	12	krisnawati	krisnawati	PROPN
easat-8507	182	13	,	,	PUNCT
easat-8507	182	14	and	and	CCONJ
easat-8507	182	15	h.	h.	PROPN
easat-8507	182	16	dincer	dincer	PROPN
easat-8507	182	17	,	,	PUNCT
easat-8507	182	18	"	"	PUNCT
easat-8507	182	19	relationship	relationship	NOUN
easat-8507	182	20	and	and	CCONJ
easat-8507	182	21	impact	impact	NOUN
easat-8507	182	22	of	of	ADP
easat-8507	182	23	the	the	DET
easat-8507	182	24	value	value	NOUN
easat-8507	182	25	creation	creation	NOUN
easat-8507	182	26	model	model	NOUN
easat-8507	182	27	on	on	ADP
easat-8507	182	28	fintech	fintech	NOUN
easat-8507	182	29	and	and	CCONJ
easat-8507	182	30	digital	digital	PROPN
easat-8507	182	31	bank	bank	NOUN
easat-8507	182	32	collaborations	collaboration	NOUN
easat-8507	182	33	in	in	ADP
easat-8507	182	34	indonesia	indonesia	PROPN
easat-8507	182	35	,	,	PUNCT
easat-8507	182	36	"	"	PUNCT
easat-8507	182	37	presented	present	VERB
easat-8507	182	38	at	at	ADP
easat-8507	182	39	the	the	DET
easat-8507	182	40	international	international	ADJ
easat-8507	182	41	conference	conference	NOUN
easat-8507	182	42	on	on	ADP
easat-8507	182	43	digital	digital	ADJ
easat-8507	182	44	business	business	NOUN
easat-8507	182	45	and	and	CCONJ
easat-8507	182	46	technology	technology	NOUN
easat-8507	182	47	management	management	NOUN
easat-8507	182	48	(	(	PUNCT
easat-8507	182	49	icondbtm	icondbtm	NOUN
easat-8507	182	50	)	)	PUNCT
easat-8507	182	51	(	(	PUNCT
easat-8507	182	52	pp	pp	ADV
easat-8507	182	53	.	.	PUNCT
easat-8507	182	54	 	 	SPACE
easat-8507	183	1	1–6	1–6	NUM
easat-8507	183	2	)	)	PUNCT
easat-8507	183	3	.	.	PUNCT
easat-8507	184	1	lombok	lombok	PROPN
easat-8507	184	2	,	,	PUNCT
easat-8507	184	3	nusa	nusa	PROPN
easat-8507	184	4	tenggara	tenggara	PROPN
easat-8507	184	5	barat	barat	PROPN
easat-8507	184	6	,	,	PUNCT
easat-8507	184	7	indonesia	indonesia	PROPN
easat-8507	184	8	:	:	PUNCT
easat-8507	184	9	ieee	ieee	PROPN
easat-8507	184	10	.	.	PUNCT
easat-8507	185	1	https://doi.org/10.1109/icondbtm59210.2023.10327232	https://doi.org/10.1109/icondbtm59210.2023.10327232	PROPN
easat-8507	185	2	,	,	PUNCT
easat-8507	185	3	2023	2023	NUM
easat-8507	185	4	.	.	PUNCT
easat-8507	186	1	[	[	X
easat-8507	186	2	5	5	NUM
easat-8507	186	3	]	]	PUNCT
easat-8507	186	4	r.	r.	NOUN
easat-8507	186	5	thetlek	thetlek	NOUN
easat-8507	186	6	,	,	PUNCT
easat-8507	186	7	t.	t.	PROPN
easat-8507	186	8	kraiwanit	kraiwanit	PROPN
easat-8507	186	9	,	,	PUNCT
easat-8507	186	10	p.	p.	PROPN
easat-8507	186	11	limna	limna	PROPN
easat-8507	186	12	,	,	PUNCT
easat-8507	186	13	y.	y.	PROPN
easat-8507	186	14	shaengchart	shaengchart	PROPN
easat-8507	186	15	,	,	PUNCT
easat-8507	186	16	and	and	CCONJ
easat-8507	186	17	p.	p.	PROPN
easat-8507	186	18	moolngearn	moolngearn	NOUN
easat-8507	186	19	,	,	PUNCT
easat-8507	186	20	"	"	PUNCT
easat-8507	186	21	the	the	DET
easat-8507	186	22	strategy	strategy	NOUN
easat-8507	186	23	of	of	ADP
easat-8507	186	24	virtual	virtual	ADJ
easat-8507	186	25	banking	banking	NOUN
easat-8507	186	26	adoption	adoption	NOUN
easat-8507	186	27	in	in	ADP
easat-8507	186	28	the	the	DET
easat-8507	186	29	digital	digital	ADJ
easat-8507	186	30	economy	economy	NOUN
easat-8507	186	31	,	,	PUNCT
easat-8507	186	32	"	"	PUNCT
easat-8507	186	33	corporate	corporate	ADJ
easat-8507	186	34	and	and	CCONJ
easat-8507	186	35	business	business	NOUN
easat-8507	186	36	strategy	strategy	NOUN
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easat-8507	186	38	,	,	PUNCT
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easat-8507	186	42	,	,	PUNCT
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easat-8507	186	44	.	.	NOUN
easat-8507	186	45	1	1	NUM
easat-8507	186	46	,	,	PUNCT
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easat-8507	186	48	.	.	PUNCT
easat-8507	187	1	264–272	264–272	NUM
easat-8507	187	2	,	,	PUNCT
easat-8507	187	3	2024	2024	NUM
easat-8507	187	4	.	.	PUNCT
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easat-8507	188	2	6	6	NUM
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easat-8507	188	4	d.	d.	PROPN
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easat-8507	188	6	,	,	PUNCT
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easat-8507	188	12	,	,	PUNCT
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easat-8507	188	17	u.	u.	PROPN
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easat-8507	188	30	financial	financial	ADJ
easat-8507	188	31	sector	sector	NOUN
easat-8507	188	32	?	?	PUNCT
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easat-8507	188	41	,	,	PUNCT
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easat-8507	188	45	,	,	PUNCT
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easat-8507	188	49	,	,	PUNCT
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easat-8507	189	2	,	,	PUNCT
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easat-8507	190	2	7	7	NUM
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easat-8507	192	1	a	a	DET
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easat-8507	192	5	,	,	PUNCT
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easat-8507	192	12	,	,	PUNCT
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easat-8507	192	20	,	,	PUNCT
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easat-8507	193	2	-	-	SYM
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easat-8507	193	4	,	,	PUNCT
easat-8507	193	5	2023	2023	NUM
easat-8507	193	6	.	.	PUNCT
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easat-8507	195	5	,	,	PUNCT
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easat-8507	195	10	:	:	PUNCT
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easat-8507	195	21	internet	internet	NOUN
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easat-8507	196	5	:	:	PUNCT
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easat-8507	196	7	,	,	PUNCT
easat-8507	196	8	"	"	PUNCT
easat-8507	196	9	2024	2024	NUM
easat-8507	196	10	.	.	PUNCT
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easat-8507	197	3	10	10	NUM
easat-8507	197	4	]	]	PUNCT
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easat-8507	197	19	.	.	PUNCT
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easat-8507	199	6	:	:	SYM
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easat-8507	201	2	,	,	PUNCT
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easat-8507	201	4	:	:	PUNCT
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easat-8507	205	2	-	-	SYM
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easat-8507	206	38	.	.	PUNCT
easat-8507	207	1	145	145	NUM
easat-8507	207	2	-	-	SYM
easat-8507	207	3	171	171	NUM
easat-8507	207	4	,	,	PUNCT
easat-8507	207	5	2022	2022	NUM
easat-8507	207	6	.	.	PUNCT
easat-8507	208	1	[	[	X
easat-8507	208	2	15	15	NUM
easat-8507	208	3	]	]	PUNCT
easat-8507	208	4	y.-h	y.-h	NOUN
easat-8507	208	5	.	.	PUNCT
easat-8507	208	6	tai	tai	PROPN
easat-8507	208	7	,	,	PUNCT
easat-8507	208	8	p.	p.	NOUN
easat-8507	208	9	t.	t.	NOUN
easat-8507	208	10	t.	t.	PROPN
easat-8507	208	11	nwachukwu	nwachukwu	PROPN
easat-8507	208	12	,	,	PUNCT
easat-8507	208	13	b.	b.	PROPN
easat-8507	208	14	a.	a.	NOUN
easat-8507	208	15	lepage	lepage	PROPN
easat-8507	208	16	,	,	PUNCT
easat-8507	208	17	and	and	CCONJ
easat-8507	208	18	w.-t	w.-t	NOUN
easat-8507	208	19	.	.	PUNCT
easat-8507	209	1	fang	fang	X
easat-8507	209	2	,	,	PUNCT
easat-8507	209	3	"	"	PUNCT
easat-8507	209	4	examining	examine	VERB
easat-8507	209	5	customer	customer	NOUN
easat-8507	209	6	intentions	intention	NOUN
easat-8507	209	7	to	to	PART
easat-8507	209	8	purchase	purchase	VERB
easat-8507	209	9	intelligent	intelligent	ADJ
easat-8507	209	10	robotic	robotic	ADJ
easat-8507	209	11	products	product	NOUN
easat-8507	209	12	and	and	CCONJ
easat-8507	209	13	services	service	NOUN
easat-8507	209	14	in	in	ADP
easat-8507	209	15	taiwan	taiwan	PROPN
easat-8507	209	16	using	use	VERB
easat-8507	209	17	the	the	DET
easat-8507	209	18	theory	theory	NOUN
easat-8507	209	19	of	of	ADP
easat-8507	209	20	planned	plan	VERB
easat-8507	209	21	behaviour	behaviour	NOUN
easat-8507	209	22	,	,	PUNCT
easat-8507	209	23	"	"	PUNCT
easat-8507	209	24	bmc	bmc	NOUN
easat-8507	209	25	psychology	psychology	NOUN
easat-8507	209	26	,	,	PUNCT
easat-8507	209	27	vol	vol	NOUN
easat-8507	209	28	.	.	PROPN
easat-8507	209	29	12	12	NUM
easat-8507	209	30	,	,	PUNCT
easat-8507	209	31	no	no	INTJ
easat-8507	209	32	.	.	NOUN
easat-8507	209	33	1	1	NUM
easat-8507	209	34	,	,	PUNCT
easat-8507	209	35	p.	p.	NOUN
easat-8507	209	36	351	351	NUM
easat-8507	209	37	,	,	PUNCT
easat-8507	209	38	2024	2024	NUM
easat-8507	209	39	.	.	PUNCT
easat-8507	210	1	[	[	X
easat-8507	210	2	16	16	NUM
easat-8507	210	3	]	]	PUNCT
easat-8507	210	4	m.	m.	NOUN
easat-8507	210	5	sugiat	sugiat	PROPN
easat-8507	210	6	,	,	PUNCT
easat-8507	210	7	n.	n.	PROPN
easat-8507	210	8	saabira	saabira	PROPN
easat-8507	210	9	,	,	PUNCT
easat-8507	210	10	and	and	CCONJ
easat-8507	210	11	d.	d.	PROPN
easat-8507	210	12	witarsyah	witarsyah	PROPN
easat-8507	210	13	,	,	PUNCT
easat-8507	210	14	"	"	PUNCT
easat-8507	210	15	omni	omni	ADJ
easat-8507	210	16	-	-	PUNCT
easat-8507	210	17	channel	channel	NOUN
easat-8507	210	18	service	service	NOUN
easat-8507	210	19	analysis	analysis	NOUN
easat-8507	210	20	of	of	ADP
easat-8507	210	21	purchase	purchase	NOUN
easat-8507	210	22	intention	intention	NOUN
easat-8507	210	23	,	,	PUNCT
easat-8507	210	24	"	"	PUNCT
easat-8507	210	25	international	international	ADJ
easat-8507	210	26	journal	journal	NOUN
easat-8507	210	27	on	on	ADP
easat-8507	210	28	informatics	informatic	NOUN
easat-8507	210	29	visualization	visualization	NOUN
easat-8507	210	30	,	,	PUNCT
easat-8507	210	31	vol	vol	NOUN
easat-8507	210	32	.	.	PROPN
easat-8507	210	33	7	7	NUM
easat-8507	210	34	,	,	PUNCT
easat-8507	210	35	no	no	INTJ
easat-8507	210	36	.	.	NOUN
easat-8507	210	37	4	4	NUM
easat-8507	210	38	,	,	PUNCT
easat-8507	210	39	pp	pp	ADJ
easat-8507	210	40	.	.	PUNCT
easat-8507	210	41	2543	2543	NUM
easat-8507	210	42	-	-	SYM
easat-8507	210	43	2549	2549	NUM
easat-8507	210	44	,	,	PUNCT
easat-8507	210	45	2023	2023	NUM
easat-8507	210	46	.	.	PUNCT
easat-8507	211	1	[	[	X
easat-8507	211	2	17	17	NUM
easat-8507	211	3	]	]	PUNCT
easat-8507	211	4	l.	l.	PROPN
easat-8507	211	5	kim	kim	PROPN
easat-8507	211	6	,	,	PUNCT
easat-8507	211	7	k.	k.	PROPN
easat-8507	211	8	wichianrat	wichianrat	PROPN
easat-8507	211	9	,	,	PUNCT
easat-8507	211	10	and	and	CCONJ
easat-8507	211	11	s.	s.	PROPN
easat-8507	211	12	f.	f.	PROPN
easat-8507	211	13	yeo	yeo	PROPN
easat-8507	211	14	,	,	PUNCT
easat-8507	211	15	"	"	PUNCT
easat-8507	211	16	an	an	DET
easat-8507	211	17	integrative	integrative	ADJ
easat-8507	211	18	framework	framework	NOUN
easat-8507	211	19	enhancing	enhance	VERB
easat-8507	211	20	perceived	perceive	VERB
easat-8507	211	21	e	e	NOUN
easat-8507	211	22	-	-	ADJ
easat-8507	211	23	banking	banking	ADJ
easat-8507	211	24	service	service	NOUN
easat-8507	211	25	value	value	NOUN
easat-8507	211	26	:	:	PUNCT
easat-8507	211	27	a	a	DET
easat-8507	211	28	moderating	moderate	VERB
easat-8507	211	29	impact	impact	NOUN
easat-8507	211	30	of	of	ADP
easat-8507	211	31	e	e	NOUN
easat-8507	211	32	-	-	ADJ
easat-8507	211	33	banking	banking	ADJ
easat-8507	211	34	experience	experience	NOUN
easat-8507	211	35	,	,	PUNCT
easat-8507	211	36	"	"	PUNCT
easat-8507	211	37	journal	journal	NOUN
easat-8507	211	38	of	of	ADP
easat-8507	211	39	open	open	ADJ
easat-8507	211	40	innovation	innovation	NOUN
easat-8507	211	41	:	:	PUNCT
easat-8507	211	42	technology	technology	NOUN
easat-8507	211	43	,	,	PUNCT
easat-8507	211	44	market	market	NOUN
easat-8507	211	45	,	,	PUNCT
easat-8507	211	46	and	and	CCONJ
easat-8507	211	47	complexity	complexity	NOUN
easat-8507	211	48	,	,	PUNCT
easat-8507	211	49	vol	vol	NOUN
easat-8507	211	50	.	.	PROPN
easat-8507	211	51	10	10	NUM
easat-8507	211	52	,	,	PUNCT
easat-8507	211	53	no	no	INTJ
easat-8507	211	54	.	.	NOUN
easat-8507	211	55	3	3	NUM
easat-8507	211	56	,	,	PUNCT
easat-8507	211	57	p.	p.	NOUN
easat-8507	211	58	100336	100336	NUM
easat-8507	211	59	,	,	PUNCT
easat-8507	211	60	2024	2024	NUM
easat-8507	211	61	.	.	PUNCT
easat-8507	212	1	[	[	X
easat-8507	212	2	18	18	NUM
easat-8507	212	3	]	]	X
easat-8507	212	4	n.	n.	PROPN
easat-8507	212	5	a.	a.	NOUN
easat-8507	212	6	windasari	windasari	PROPN
easat-8507	212	7	,	,	PUNCT
easat-8507	212	8	n.	n.	PROPN
easat-8507	212	9	kusumawati	kusumawati	PROPN
easat-8507	212	10	,	,	PUNCT
easat-8507	212	11	n.	n.	PROPN
easat-8507	212	12	larasati	larasati	PROPN
easat-8507	212	13	,	,	PUNCT
easat-8507	212	14	and	and	CCONJ
easat-8507	212	15	r.	r.	PROPN
easat-8507	212	16	p.	p.	PROPN
easat-8507	212	17	amelia	amelia	PROPN
easat-8507	212	18	,	,	PUNCT
easat-8507	212	19	"	"	PUNCT
easat-8507	212	20	digital	digital	ADJ
easat-8507	212	21	-	-	PUNCT
easat-8507	212	22	only	only	ADV
easat-8507	212	23	banking	banking	NOUN
easat-8507	212	24	experience	experience	NOUN
easat-8507	212	25	:	:	PUNCT
easat-8507	212	26	insights	insight	NOUN
easat-8507	212	27	from	from	ADP
easat-8507	212	28	gen	gen	PROPN
easat-8507	212	29	y	y	PROPN
easat-8507	212	30	and	and	CCONJ
easat-8507	212	31	gen	gen	PROPN
easat-8507	212	32	z	z	PROPN
easat-8507	212	33	,	,	PUNCT
easat-8507	212	34	"	"	PUNCT
easat-8507	212	35	journal	journal	NOUN
easat-8507	212	36	of	of	ADP
easat-8507	212	37	innovation	innovation	NOUN
easat-8507	212	38	&	&	CCONJ
easat-8507	212	39	knowledge	knowledge	PROPN
easat-8507	212	40	,	,	PUNCT
easat-8507	212	41	vol	vol	NOUN
easat-8507	212	42	.	.	PROPN
easat-8507	212	43	7	7	NUM
easat-8507	212	44	,	,	PUNCT
easat-8507	212	45	no	no	INTJ
easat-8507	212	46	.	.	NOUN
easat-8507	212	47	2	2	NUM
easat-8507	212	48	,	,	PUNCT
easat-8507	212	49	p.	p.	NOUN
easat-8507	212	50	100170	100170	NUM
easat-8507	212	51	,	,	PUNCT
easat-8507	212	52	2022	2022	NUM
easat-8507	212	53	.	.	PUNCT
easat-8507	213	1	[	[	X
easat-8507	213	2	19	19	NUM
easat-8507	213	3	]	]	PUNCT
easat-8507	213	4	a.	a.	PROPN
easat-8507	213	5	b.	b.	PROPN
easat-8507	213	6	p.	p.	PROPN
easat-8507	213	7	kasmo	kasmo	PROPN
easat-8507	213	8	,	,	PUNCT
easat-8507	213	9	a.	a.	NOUN
easat-8507	213	10	m.	m.	NOUN
easat-8507	213	11	khahfi	khahfi	PROPN
easat-8507	213	12	,	,	PUNCT
easat-8507	213	13	and	and	CCONJ
easat-8507	213	14	o.	o.	PROPN
easat-8507	213	15	d.	d.	PROPN
easat-8507	213	16	oteino	oteino	PROPN
easat-8507	213	17	,	,	PUNCT
easat-8507	213	18	"	"	PUNCT
easat-8507	213	19	study	study	NOUN
easat-8507	213	20	on	on	ADP
easat-8507	213	21	intention	intention	NOUN
easat-8507	213	22	to	to	ADP
easat-8507	213	23	using	use	VERB
easat-8507	213	24	digital	digital	ADJ
easat-8507	213	25	banking	banking	NOUN
easat-8507	213	26	study	study	NOUN
easat-8507	213	27	:	:	PUNCT
easat-8507	213	28	bank	bank	PROPN
easat-8507	213	29	jago	jago	PROPN
easat-8507	213	30	,	,	PUNCT
easat-8507	213	31	"	"	PUNCT
easat-8507	213	32	journal	journal	NOUN
easat-8507	213	33	of	of	ADP
easat-8507	213	34	indonesia	indonesia	PROPN
easat-8507	213	35	marketing	marketing	PROPN
easat-8507	213	36	association	association	PROPN
easat-8507	213	37	(	(	PUNCT
easat-8507	213	38	i	i	NOUN
easat-8507	213	39	m	m	PROPN
easat-8507	213	40	a	a	NOUN
easat-8507	213	41	)	)	PUNCT
easat-8507	213	42	,	,	PUNCT
easat-8507	213	43	vol	vol	NOUN
easat-8507	213	44	.	.	PROPN
easat-8507	214	1	2	2	NUM
easat-8507	214	2	,	,	PUNCT
easat-8507	214	3	no	no	INTJ
easat-8507	214	4	.	.	NOUN
easat-8507	214	5	2	2	NUM
easat-8507	214	6	,	,	PUNCT
easat-8507	214	7	pp	pp	ADJ
easat-8507	214	8	.	.	PUNCT
easat-8507	215	1	91	91	NUM
easat-8507	215	2	-	-	SYM
easat-8507	215	3	102	102	NUM
easat-8507	215	4	,	,	PUNCT
easat-8507	215	5	2024	2024	NUM
easat-8507	215	6	.	.	PUNCT
easat-8507	216	1	[	[	X
easat-8507	216	2	20	20	NUM
easat-8507	216	3	]	]	PUNCT
easat-8507	216	4	m.	m.	NOUN
easat-8507	216	5	a.	a.	NOUN
easat-8507	216	6	saif	saif	PROPN
easat-8507	216	7	,	,	PUNCT
easat-8507	216	8	n.	n.	PROPN
easat-8507	216	9	hussin	hussin	PROPN
easat-8507	216	10	,	,	PUNCT
easat-8507	216	11	m.	m.	NOUN
easat-8507	216	12	m.	m.	PROPN
easat-8507	216	13	husin	husin	PROPN
easat-8507	216	14	,	,	PUNCT
easat-8507	216	15	a.	a.	NOUN
easat-8507	216	16	muneer	muneer	NOUN
easat-8507	216	17	,	,	PUNCT
easat-8507	216	18	and	and	CCONJ
easat-8507	216	19	a.	a.	NOUN
easat-8507	216	20	alwadain	alwadain	PROPN
easat-8507	216	21	,	,	PUNCT
easat-8507	216	22	"	"	PUNCT
easat-8507	216	23	beyond	beyond	ADP
easat-8507	216	24	conventions	convention	NOUN
easat-8507	216	25	:	:	PUNCT
easat-8507	216	26	unravelling	unravel	VERB
easat-8507	216	27	perceived	perceive	VERB
easat-8507	216	28	value	value	NOUN
easat-8507	216	29	's	's	PART
easat-8507	216	30	role	role	NOUN
easat-8507	216	31	in	in	ADP
easat-8507	216	32	shaping	shape	VERB
easat-8507	216	33	digital	digital	ADJ
easat-8507	216	34	-	-	PUNCT
easat-8507	216	35	only	only	ADV
easat-8507	216	36	banks	bank	NOUN
easat-8507	216	37	'	'	PART
easat-8507	216	38	adoption	adoption	NOUN
easat-8507	216	39	,	,	PUNCT
easat-8507	216	40	"	"	PUNCT
easat-8507	216	41	technological	technological	ADJ
easat-8507	216	42	forecasting	forecasting	NOUN
easat-8507	216	43	and	and	CCONJ
easat-8507	216	44	social	social	ADJ
easat-8507	216	45	change	change	NOUN
easat-8507	216	46	,	,	PUNCT
easat-8507	216	47	vol	vol	NOUN
easat-8507	216	48	.	.	NOUN
easat-8507	216	49	203	203	NUM
easat-8507	216	50	,	,	PUNCT
easat-8507	216	51	p.	p.	NOUN
easat-8507	216	52	123337	123337	NUM
easat-8507	216	53	,	,	PUNCT
easat-8507	216	54	2024	2024	NUM
easat-8507	216	55	.	.	PUNCT
easat-8507	217	1	[	[	X
easat-8507	217	2	21	21	NUM
easat-8507	217	3	]	]	X
easat-8507	217	4	j.	j.	PROPN
easat-8507	217	5	wang	wang	PROPN
easat-8507	217	6	and	and	CCONJ
easat-8507	217	7	v.	v.	ADP
easat-8507	217	8	butkouskaya	butkouskaya	NOUN
easat-8507	217	9	,	,	PUNCT
easat-8507	217	10	"	"	PUNCT
easat-8507	217	11	sustainable	sustainable	ADJ
easat-8507	217	12	marketing	marketing	NOUN
easat-8507	217	13	activities	activity	NOUN
easat-8507	217	14	,	,	PUNCT
easat-8507	217	15	event	event	NOUN
easat-8507	217	16	image	image	NOUN
easat-8507	217	17	,	,	PUNCT
easat-8507	217	18	perceived	perceive	VERB
easat-8507	217	19	value	value	NOUN
easat-8507	217	20	and	and	CCONJ
easat-8507	217	21	tourists	tourist	NOUN
easat-8507	217	22	’	'	PUNCT
easat-8507	217	23	behavioral	behavioral	ADJ
easat-8507	217	24	intentions	intention	NOUN
easat-8507	217	25	in	in	ADP
easat-8507	217	26	the	the	DET
easat-8507	217	27	sports	sport	NOUN
easat-8507	217	28	tourism	tourism	NOUN
easat-8507	217	29	,	,	PUNCT
easat-8507	217	30	"	"	PUNCT
easat-8507	217	31	journal	journal	NOUN
easat-8507	217	32	of	of	ADP
easat-8507	217	33	economics	economic	NOUN
easat-8507	217	34	,	,	PUNCT
easat-8507	217	35	finance	finance	NOUN
easat-8507	217	36	and	and	CCONJ
easat-8507	217	37	administrative	administrative	ADJ
easat-8507	217	38	science	science	NOUN
easat-8507	217	39	,	,	PUNCT
easat-8507	217	40	vol	vol	NOUN
easat-8507	217	41	.	.	PROPN
easat-8507	217	42	28	28	NUM
easat-8507	217	43	,	,	PUNCT
easat-8507	217	44	no	no	INTJ
easat-8507	217	45	.	.	NOUN
easat-8507	217	46	55	55	NUM
easat-8507	217	47	,	,	PUNCT
easat-8507	217	48	pp	pp	ADJ
easat-8507	217	49	.	.	PUNCT
easat-8507	218	1	60	60	NUM
easat-8507	218	2	-	-	SYM
easat-8507	218	3	78	78	NUM
easat-8507	218	4	,	,	PUNCT
easat-8507	218	5	2023	2023	NUM
easat-8507	218	6	.	.	PUNCT
easat-8507	219	1	[	[	X
easat-8507	219	2	22	22	NUM
easat-8507	219	3	]	]	X
easat-8507	219	4	p.	p.	NOUN
easat-8507	219	5	m.	m.	NOUN
easat-8507	219	6	reina	reina	PROPN
easat-8507	219	7	and	and	CCONJ
easat-8507	219	8	v.	v.	PROPN
easat-8507	219	9	j.	j.	PROPN
easat-8507	219	10	rodríguez	rodríguez	PROPN
easat-8507	219	11	,	,	PUNCT
easat-8507	219	12	"	"	PUNCT
easat-8507	219	13	main	main	ADJ
easat-8507	219	14	theoretical	theoretical	ADJ
easat-8507	219	15	consumer	consumer	NOUN
easat-8507	219	16	behavioural	behavioural	ADJ
easat-8507	219	17	models	model	NOUN
easat-8507	219	18	.	.	PUNCT
easat-8507	220	1	a	a	DET
easat-8507	220	2	review	review	NOUN
easat-8507	220	3	from	from	ADP
easat-8507	220	4	1935	1935	NUM
easat-8507	220	5	to	to	ADP
easat-8507	220	6	2021	2021	NUM
easat-8507	220	7	,	,	PUNCT
easat-8507	220	8	"	"	PUNCT
easat-8507	220	9	heliyon	heliyon	NOUN
easat-8507	220	10	,	,	PUNCT
easat-8507	220	11	vol	vol	NOUN
easat-8507	220	12	.	.	PROPN
easat-8507	220	13	9	9	NUM
easat-8507	220	14	,	,	PUNCT
easat-8507	220	15	no	no	INTJ
easat-8507	220	16	.	.	NOUN
easat-8507	220	17	3	3	NUM
easat-8507	220	18	,	,	PUNCT
easat-8507	220	19	p.	p.	NOUN
easat-8507	220	20	e13895	e13895	PROPN
easat-8507	220	21	,	,	PUNCT
easat-8507	220	22	2021	2021	NUM
easat-8507	220	23	.	.	PUNCT
easat-8507	221	1	[	[	X
easat-8507	221	2	23	23	NUM
easat-8507	221	3	]	]	X
easat-8507	221	4	i.	i.	NOUN
easat-8507	221	5	ajzen	ajzen	PROPN
easat-8507	221	6	,	,	PUNCT
easat-8507	221	7	"	"	PUNCT
easat-8507	221	8	the	the	DET
easat-8507	221	9	theory	theory	NOUN
easat-8507	221	10	of	of	ADP
easat-8507	221	11	planned	plan	VERB
easat-8507	221	12	behavior	behavior	NOUN
easat-8507	221	13	,	,	PUNCT
easat-8507	221	14	"	"	PUNCT
easat-8507	221	15	organizational	organizational	ADJ
easat-8507	221	16	behavior	behavior	NOUN
easat-8507	221	17	and	and	CCONJ
easat-8507	221	18	human	human	ADJ
easat-8507	221	19	decision	decision	NOUN
easat-8507	221	20	processes	process	NOUN
easat-8507	221	21	,	,	PUNCT
easat-8507	221	22	vol	vol	NOUN
easat-8507	221	23	.	.	PROPN
easat-8507	222	1	50	50	NUM
easat-8507	222	2	,	,	PUNCT
easat-8507	222	3	no	no	INTJ
easat-8507	222	4	.	.	NOUN
easat-8507	222	5	2	2	NUM
easat-8507	222	6	,	,	PUNCT
easat-8507	222	7	pp	pp	ADJ
easat-8507	222	8	.	.	PUNCT
easat-8507	223	1	179	179	NUM
easat-8507	223	2	-	-	SYM
easat-8507	223	3	211	211	NUM
easat-8507	223	4	,	,	PUNCT
easat-8507	223	5	1991	1991	NUM
easat-8507	223	6	.	.	PUNCT
easat-8507	224	1	[	[	X
easat-8507	224	2	24	24	NUM
easat-8507	224	3	]	]	X
easat-8507	224	4	d.	d.	PROPN
easat-8507	224	5	chaffey	chaffey	PROPN
easat-8507	224	6	and	and	CCONJ
easat-8507	224	7	f.	f.	PROPN
easat-8507	224	8	ellis	ellis	PROPN
easat-8507	224	9	-	-	PUNCT
easat-8507	224	10	chadwick	chadwick	PROPN
easat-8507	224	11	,	,	PUNCT
easat-8507	224	12	digital	digital	ADJ
easat-8507	224	13	marketing	marketing	NOUN
easat-8507	224	14	epub	epub	NOUN
easat-8507	224	15	ebook	ebook	NOUN
easat-8507	224	16	.	.	PUNCT
easat-8507	225	1	hoboken	hoboken	PROPN
easat-8507	225	2	:	:	PUNCT
easat-8507	225	3	pearson	pearson	PROPN
easat-8507	225	4	higher	high	ADJ
easat-8507	225	5	education	education	NOUN
easat-8507	225	6	,	,	PUNCT
easat-8507	225	7	2019	2019	NUM
easat-8507	225	8	.	.	PUNCT
easat-8507	226	1	[	[	X
easat-8507	226	2	25	25	NUM
easat-8507	226	3	]	]	PUNCT
easat-8507	226	4	m.	m.	NOUN
easat-8507	226	5	sugiat	sugiat	NOUN
easat-8507	226	6	and	and	CCONJ
easat-8507	226	7	s.	s.	PROPN
easat-8507	226	8	f.	f.	PROPN
easat-8507	226	9	maria	maria	PROPN
easat-8507	226	10	,	,	PUNCT
easat-8507	226	11	"	"	PUNCT
easat-8507	226	12	analysis	analysis	NOUN
easat-8507	226	13	of	of	ADP
easat-8507	226	14	antecedents	antecedent	NOUN
easat-8507	226	15	and	and	CCONJ
easat-8507	226	16	effect	effect	NOUN
easat-8507	226	17	of	of	ADP
easat-8507	226	18	social	social	ADJ
easat-8507	226	19	media	medium	NOUN
easat-8507	226	20	word	word	NOUN
easat-8507	226	21	of	of	ADP
easat-8507	226	22	mouth	mouth	NOUN
easat-8507	226	23	toward	toward	ADP
easat-8507	226	24	luxury	luxury	NOUN
easat-8507	226	25	brand	brand	NOUN
easat-8507	226	26	purchase	purchase	NOUN
easat-8507	226	27	intention	intention	NOUN
easat-8507	226	28	using	use	VERB
easat-8507	226	29	structural	structural	ADJ
easat-8507	226	30	equation	equation	NOUN
easat-8507	226	31	model	model	NOUN
easat-8507	226	32	(	(	PUNCT
easat-8507	226	33	sem	sem	NOUN
easat-8507	226	34	)	)	PUNCT
easat-8507	226	35	,	,	PUNCT
easat-8507	226	36	"	"	PUNCT
easat-8507	226	37	in	in	ADP
easat-8507	226	38	proceedings	proceeding	NOUN
easat-8507	226	39	international	international	ADJ
easat-8507	226	40	conference	conference	NOUN
easat-8507	226	41	advancement	advancement	NOUN
easat-8507	226	42	in	in	ADP
easat-8507	226	43	data	datum	NOUN
easat-8507	226	44	science	science	NOUN
easat-8507	226	45	,	,	PUNCT
easat-8507	226	46	e	e	NOUN
easat-8507	226	47	-	-	ADJ
easat-8507	226	48	learning	learning	ADJ
easat-8507	226	49	and	and	CCONJ
easat-8507	226	50	information	information	NOUN
easat-8507	226	51	systems	system	NOUN
easat-8507	226	52	,	,	PUNCT
easat-8507	226	53	icadeis	icadeis	NOUN
easat-8507	226	54	,	,	PUNCT
easat-8507	226	55	2022	2022	NUM
easat-8507	226	56	.	.	PUNCT
easat-8507	227	1	[	[	X
easat-8507	227	2	26	26	NUM
easat-8507	227	3	]	]	PUNCT
easat-8507	227	4	m.	m.	NOUN
easat-8507	227	5	i.	i.	PROPN
easat-8507	227	6	hamzah	hamzah	PROPN
easat-8507	227	7	,	,	PUNCT
easat-8507	227	8	f.	f.	PROPN
easat-8507	227	9	a.	a.	PROPN
easat-8507	227	10	a.	a.	PROPN
easat-8507	227	11	ramli	ramli	PROPN
easat-8507	227	12	,	,	PUNCT
easat-8507	227	13	and	and	CCONJ
easat-8507	227	14	n.	n.	PROPN
easat-8507	227	15	shaw	shaw	PROPN
easat-8507	227	16	,	,	PUNCT
easat-8507	227	17	"	"	PUNCT
easat-8507	227	18	the	the	DET
easat-8507	227	19	moderating	moderate	VERB
easat-8507	227	20	influence	influence	NOUN
easat-8507	227	21	of	of	ADP
easat-8507	227	22	brand	brand	NOUN
easat-8507	227	23	image	image	NOUN
easat-8507	227	24	on	on	ADP
easat-8507	227	25	consumers	consumer	NOUN
easat-8507	227	26	'	'	PART
easat-8507	227	27	adoption	adoption	NOUN
easat-8507	227	28	of	of	ADP
easat-8507	227	29	qr	qr	NOUN
easat-8507	227	30	-	-	PUNCT
easat-8507	227	31	code	code	NOUN
easat-8507	227	32	e	e	NOUN
easat-8507	227	33	-	-	NOUN
easat-8507	227	34	wallets	wallet	NOUN
easat-8507	227	35	,	,	PUNCT
easat-8507	227	36	"	"	PUNCT
easat-8507	227	37	journal	journal	NOUN
easat-8507	227	38	of	of	ADP
easat-8507	227	39	retailing	retailing	NOUN
easat-8507	227	40	and	and	CCONJ
easat-8507	227	41	consumer	consumer	NOUN
easat-8507	227	42	services	service	NOUN
easat-8507	227	43	,	,	PUNCT
easat-8507	227	44	vol	vol	NOUN
easat-8507	227	45	.	.	PROPN
easat-8507	227	46	73	73	NUM
easat-8507	227	47	,	,	PUNCT
easat-8507	227	48	p.	p.	NOUN
easat-8507	227	49	103326	103326	NUM
easat-8507	227	50	,	,	PUNCT
easat-8507	227	51	2023	2023	NUM
easat-8507	227	52	.	.	PUNCT
easat-8507	228	1	[	[	X
easat-8507	228	2	27	27	NUM
easat-8507	228	3	]	]	PUNCT
easat-8507	228	4	j.	j.	PROPN
easat-8507	228	5	f.	f.	PROPN
easat-8507	228	6	hair	hair	PROPN
easat-8507	228	7	,	,	PUNCT
easat-8507	228	8	g.	g.	PROPN
easat-8507	228	9	t.	t.	PROPN
easat-8507	228	10	m.	m.	PROPN
easat-8507	228	11	hult	hult	PROPN
easat-8507	228	12	,	,	PUNCT
easat-8507	228	13	c.	c.	PROPN
easat-8507	228	14	m.	m.	PROPN
easat-8507	228	15	ringle	ringle	PROPN
easat-8507	228	16	,	,	PUNCT
easat-8507	228	17	and	and	CCONJ
easat-8507	228	18	m.	m.	NOUN
easat-8507	228	19	sarstedt	sarstedt	NOUN
easat-8507	228	20	,	,	PUNCT
easat-8507	228	21	partial	partial	ADJ
easat-8507	228	22	least	least	ADJ
easat-8507	228	23	squares	square	VERB
easat-8507	228	24	structural	structural	ADJ
easat-8507	228	25	equation	equation	NOUN
easat-8507	228	26	modeling	modeling	NOUN
easat-8507	228	27	(	(	PUNCT
easat-8507	228	28	pls	pls	INTJ
easat-8507	228	29	-	-	PUNCT
easat-8507	228	30	sem	sem	NOUN
easat-8507	228	31	)	)	PUNCT
easat-8507	228	32	,	,	PUNCT
easat-8507	228	33	3rd	3rd	ADJ
easat-8507	228	34	ed	ed	NOUN
easat-8507	228	35	.	.	PROPN
easat-8507	229	1	thousand	thousand	NUM
easat-8507	229	2	oaks	oak	NOUN
easat-8507	229	3	,	,	PUNCT
easat-8507	229	4	ca	can	AUX
easat-8507	229	5	:	:	PUNCT
easat-8507	229	6	sage	sage	NOUN
easat-8507	229	7	publications	publication	NOUN
easat-8507	229	8	,	,	PUNCT
easat-8507	229	9	2021	2021	NUM
easat-8507	229	10	.	.	PUNCT
easat-8507	230	1	[	[	X
easat-8507	230	2	28	28	NUM
easat-8507	230	3	]	]	PUNCT
easat-8507	230	4	indrawati	indrawati	NOUN
easat-8507	230	5	,	,	PUNCT
easat-8507	230	6	management	management	NOUN
easat-8507	230	7	and	and	CCONJ
easat-8507	230	8	business	business	NOUN
easat-8507	230	9	research	research	NOUN
easat-8507	230	10	methods	method	NOUN
easat-8507	230	11	convergence	convergence	NOUN
easat-8507	230	12	of	of	ADP
easat-8507	230	13	communication	communication	NOUN
easat-8507	230	14	and	and	CCONJ
easat-8507	230	15	information	information	NOUN
easat-8507	230	16	technology	technology	NOUN
easat-8507	230	17	,	,	PUNCT
easat-8507	230	18	1st	1st	ADJ
easat-8507	230	19	ed	ed	NOUN
easat-8507	230	20	.	.	PUNCT
easat-8507	231	1	bandung	bandung	PROPN
easat-8507	231	2	:	:	PUNCT
easat-8507	231	3	refika	refika	ADJ
easat-8507	231	4	aditama	aditama	NOUN
easat-8507	231	5	,	,	PUNCT
easat-8507	231	6	2015	2015	NUM
easat-8507	231	7	.	.	PUNCT
easat-8507	232	1	https://books.google.com/books/about/consumer_behavior.html?id=i54raqaamaaj	https://books.google.com/books/about/consumer_behavior.html?id=i54raqaamaaj	ADJ