id	sid	tid	token	lemma	pos
emaj-167	1	1	volume	volume	NOUN
emaj-167	1	2	7	7	NUM
emaj-167	1	3	no	no	DET
emaj-167	1	4	2	2	NUM
emaj-167	1	5	(	(	PUNCT
emaj-167	1	6	2018	2018	NUM
emaj-167	1	7	)	)	PUNCT
emaj-167	2	1	|	|	ADV
emaj-167	2	2	issn	issn	VERB
emaj-167	2	3	2158	2158	NUM
emaj-167	2	4	-	-	SYM
emaj-167	2	5	8708	8708	NUM
emaj-167	2	6	(	(	PUNCT
emaj-167	2	7	online	online	NOUN
emaj-167	2	8	)	)	PUNCT
emaj-167	2	9	|	|	ADV
emaj-167	2	10	doi	doi	X
emaj-167	2	11	10.5195	10.5195	NUM
emaj-167	2	12	/	/	SYM
emaj-167	2	13	emaj.2018.134	emaj.2018.134	PROPN
emaj-167	3	1	|	|	ADV
emaj-167	3	2	http://emaj.pitt.edu	http://emaj.pitt.edu	X
emaj-167	3	3	factors	factor	NOUN
emaj-167	3	4	affecting	affect	VERB
emaj-167	3	5	attitudes	attitude	NOUN
emaj-167	3	6	towards	towards	ADP
emaj-167	3	7	adoption	adoption	NOUN
emaj-167	3	8	of	of	ADP
emaj-167	3	9	mobile	mobile	ADJ
emaj-167	3	10	banking	banking	NOUN
emaj-167	3	11	:	:	PUNCT
emaj-167	3	12	users	user	NOUN
emaj-167	3	13	and	and	CCONJ
emaj-167	3	14	non	non	NOUN
emaj-167	3	15	-	-	ADJ
emaj-167	3	16	users	user	NOUN
emaj-167	3	17	perspectives	perspective	NOUN
emaj-167	3	18	cherinet	cherinet	NOUN
emaj-167	3	19	boke	boke	VERB
emaj-167	3	20	chakiso	chakiso	PROPN
emaj-167	3	21	ankara	ankara	PROPN
emaj-167	3	22	yildirim	yildirim	PROPN
emaj-167	3	23	beyazit	beyazit	PROPN
emaj-167	3	24	university	university	PROPN
emaj-167	3	25	,	,	PUNCT
emaj-167	3	26	turkey	turkey	PROPN
emaj-167	4	1	|	|	NOUN
emaj-167	4	2	chrnt.b@gmail.com	chrnt.b@gmail.com	X
emaj-167	5	1	abstract	abstract	ADJ
emaj-167	5	2	the	the	DET
emaj-167	5	3	advent	advent	NOUN
emaj-167	5	4	and	and	CCONJ
emaj-167	5	5	dispersal	dispersal	NOUN
emaj-167	5	6	of	of	ADP
emaj-167	5	7	technology	technology	NOUN
emaj-167	5	8	is	be	AUX
emaj-167	5	9	an	an	DET
emaj-167	5	10	interesting	interesting	ADJ
emaj-167	5	11	area	area	NOUN
emaj-167	5	12	of	of	ADP
emaj-167	5	13	study	study	NOUN
emaj-167	5	14	since	since	SCONJ
emaj-167	5	15	its	its	PRON
emaj-167	5	16	success	success	NOUN
emaj-167	5	17	is	be	AUX
emaj-167	5	18	dependent	dependent	ADJ
emaj-167	5	19	on	on	ADP
emaj-167	5	20	the	the	DET
emaj-167	5	21	attitude	attitude	NOUN
emaj-167	5	22	for	for	ADP
emaj-167	5	23	the	the	DET
emaj-167	5	24	adoption	adoption	NOUN
emaj-167	5	25	of	of	ADP
emaj-167	5	26	it	it	PRON
emaj-167	5	27	by	by	ADP
emaj-167	5	28	customers	customer	NOUN
emaj-167	5	29	.	.	PUNCT
emaj-167	6	1	extant	extant	ADJ
emaj-167	6	2	literature	literature	NOUN
emaj-167	6	3	indicates	indicate	VERB
emaj-167	6	4	that	that	SCONJ
emaj-167	6	5	mobile	mobile	ADJ
emaj-167	6	6	banking	banking	NOUN
emaj-167	6	7	is	be	AUX
emaj-167	6	8	the	the	DET
emaj-167	6	9	least	least	ADJ
emaj-167	6	10	adopted	adopted	ADJ
emaj-167	6	11	type	type	NOUN
emaj-167	6	12	of	of	ADP
emaj-167	6	13	electronic	electronic	ADJ
emaj-167	6	14	banking	banking	NOUN
emaj-167	6	15	when	when	SCONJ
emaj-167	6	16	compared	compare	VERB
emaj-167	6	17	to	to	ADP
emaj-167	6	18	other	other	ADJ
emaj-167	6	19	types	type	NOUN
emaj-167	6	20	of	of	ADP
emaj-167	6	21	banking	banking	NOUN
emaj-167	6	22	like	like	ADP
emaj-167	6	23	automated	automate	VERB
emaj-167	6	24	teller	teller	NOUN
emaj-167	6	25	machine	machine	NOUN
emaj-167	6	26	(	(	PUNCT
emaj-167	6	27	atm	atm	NOUN
emaj-167	6	28	)	)	PUNCT
emaj-167	6	29	,	,	PUNCT
emaj-167	6	30	despite	despite	SCONJ
emaj-167	6	31	its	its	PRON
emaj-167	6	32	being	be	AUX
emaj-167	6	33	the	the	DET
emaj-167	6	34	cheapest	cheap	ADJ
emaj-167	6	35	and	and	CCONJ
emaj-167	6	36	quickest	quick	ADJ
emaj-167	6	37	mode	mode	NOUN
emaj-167	6	38	of	of	ADP
emaj-167	6	39	communication	communication	NOUN
emaj-167	6	40	.	.	PUNCT
emaj-167	7	1	this	this	DET
emaj-167	7	2	study	study	NOUN
emaj-167	7	3	empirically	empirically	ADV
emaj-167	7	4	examines	examine	VERB
emaj-167	7	5	and	and	CCONJ
emaj-167	7	6	tests	test	VERB
emaj-167	7	7	factors	factor	NOUN
emaj-167	7	8	affecting	affect	VERB
emaj-167	7	9	users	user	NOUN
emaj-167	7	10	and	and	CCONJ
emaj-167	7	11	non	non	NOUN
emaj-167	7	12	-	-	NOUN
emaj-167	7	13	users	user	NOUN
emaj-167	7	14	‘	‘	PART
emaj-167	7	15	attitude	attitude	NOUN
emaj-167	7	16	towards	towards	ADP
emaj-167	7	17	the	the	DET
emaj-167	7	18	adoption	adoption	NOUN
emaj-167	7	19	of	of	ADP
emaj-167	7	20	mobile	mobile	ADJ
emaj-167	7	21	banking	banking	NOUN
emaj-167	7	22	.	.	PUNCT
emaj-167	8	1	data	datum	NOUN
emaj-167	8	2	were	be	AUX
emaj-167	8	3	collected	collect	VERB
emaj-167	8	4	from	from	ADP
emaj-167	8	5	256	256	NUM
emaj-167	8	6	participants	participant	NOUN
emaj-167	8	7	both	both	CCONJ
emaj-167	8	8	from	from	ADP
emaj-167	8	9	users	user	NOUN
emaj-167	8	10	and	and	CCONJ
emaj-167	8	11	non	non	NOUN
emaj-167	8	12	-	-	NOUN
emaj-167	8	13	users	user	NOUN
emaj-167	8	14	of	of	ADP
emaj-167	8	15	mobile	mobile	ADJ
emaj-167	8	16	banking	banking	NOUN
emaj-167	8	17	.	.	PUNCT
emaj-167	9	1	collected	collect	VERB
emaj-167	9	2	data	datum	NOUN
emaj-167	9	3	were	be	AUX
emaj-167	9	4	analyzed	analyze	VERB
emaj-167	9	5	using	use	VERB
emaj-167	9	6	chi	chi	NOUN
emaj-167	9	7	-	-	PUNCT
emaj-167	9	8	square	square	PROPN
emaj-167	9	9	,	,	PUNCT
emaj-167	9	10	anova	anova	PROPN
emaj-167	9	11	,	,	PUNCT
emaj-167	9	12	and	and	CCONJ
emaj-167	9	13	correlation	correlation	NOUN
emaj-167	9	14	analysis	analysis	NOUN
emaj-167	9	15	.	.	PUNCT
emaj-167	10	1	findings	finding	NOUN
emaj-167	10	2	indicate	indicate	VERB
emaj-167	10	3	that	that	DET
emaj-167	10	4	trust	trust	NOUN
emaj-167	10	5	,	,	PUNCT
emaj-167	10	6	perceived	perceive	VERB
emaj-167	10	7	ease	ease	NOUN
emaj-167	10	8	of	of	ADP
emaj-167	10	9	use	use	NOUN
emaj-167	10	10	,	,	PUNCT
emaj-167	10	11	relative	relative	ADJ
emaj-167	10	12	advantage	advantage	NOUN
emaj-167	10	13	,	,	PUNCT
emaj-167	10	14	and	and	CCONJ
emaj-167	10	15	compatibility	compatibility	NOUN
emaj-167	10	16	have	have	VERB
emaj-167	10	17	strong	strong	ADJ
emaj-167	10	18	correlations	correlation	NOUN
emaj-167	10	19	with	with	ADP
emaj-167	10	20	both	both	PRON
emaj-167	10	21	users	user	NOUN
emaj-167	10	22	and	and	CCONJ
emaj-167	10	23	non	non	NOUN
emaj-167	10	24	-	-	NOUN
emaj-167	10	25	users	user	NOUN
emaj-167	10	26	‘	‘	PART
emaj-167	10	27	adoption	adoption	NOUN
emaj-167	10	28	towards	towards	ADP
emaj-167	10	29	mobile	mobile	ADJ
emaj-167	10	30	banking	banking	NOUN
emaj-167	10	31	.	.	PUNCT
emaj-167	11	1	however	however	ADV
emaj-167	11	2	,	,	PUNCT
emaj-167	11	3	perceived	perceive	VERB
emaj-167	11	4	risk	risk	NOUN
emaj-167	11	5	is	be	AUX
emaj-167	11	6	found	find	VERB
emaj-167	11	7	to	to	PART
emaj-167	11	8	have	have	VERB
emaj-167	11	9	no	no	DET
emaj-167	11	10	significant	significant	ADJ
emaj-167	11	11	relationship	relationship	NOUN
emaj-167	11	12	with	with	ADP
emaj-167	11	13	users	user	NOUN
emaj-167	11	14	and	and	CCONJ
emaj-167	11	15	nonusers	nonuser	NOUN
emaj-167	11	16	‘	‘	PART
emaj-167	11	17	attitude	attitude	NOUN
emaj-167	11	18	towards	towards	ADP
emaj-167	11	19	the	the	DET
emaj-167	11	20	adoption	adoption	NOUN
emaj-167	11	21	of	of	ADP
emaj-167	11	22	mobile	mobile	ADJ
emaj-167	11	23	banking	banking	NOUN
emaj-167	11	24	.	.	PUNCT
emaj-167	12	1	moreover	moreover	ADV
emaj-167	12	2	,	,	PUNCT
emaj-167	12	3	it	it	PRON
emaj-167	12	4	is	be	AUX
emaj-167	12	5	found	find	VERB
emaj-167	12	6	that	that	SCONJ
emaj-167	12	7	there	there	PRON
emaj-167	12	8	is	be	VERB
emaj-167	12	9	a	a	DET
emaj-167	12	10	difference	difference	NOUN
emaj-167	12	11	between	between	ADP
emaj-167	12	12	users	user	NOUN
emaj-167	12	13	and	and	CCONJ
emaj-167	12	14	non	non	NOUN
emaj-167	12	15	-	-	NOUN
emaj-167	12	16	users	user	NOUN
emaj-167	12	17	‘	‘	PART
emaj-167	12	18	attitude	attitude	NOUN
emaj-167	12	19	towards	towards	ADP
emaj-167	12	20	the	the	DET
emaj-167	12	21	adoption	adoption	NOUN
emaj-167	12	22	of	of	ADP
emaj-167	12	23	mobile	mobile	ADJ
emaj-167	12	24	banking	banking	NOUN
emaj-167	12	25	.	.	PUNCT
emaj-167	13	1	furthermore	furthermore	ADV
emaj-167	13	2	,	,	PUNCT
emaj-167	13	3	managerial	managerial	ADJ
emaj-167	13	4	implications	implication	NOUN
emaj-167	13	5	,	,	PUNCT
emaj-167	13	6	limitations	limitation	NOUN
emaj-167	13	7	of	of	ADP
emaj-167	13	8	the	the	DET
emaj-167	13	9	study	study	NOUN
emaj-167	13	10	and	and	CCONJ
emaj-167	13	11	future	future	ADJ
emaj-167	13	12	research	research	NOUN
emaj-167	13	13	directions	direction	NOUN
emaj-167	13	14	were	be	AUX
emaj-167	13	15	discussed	discuss	VERB
emaj-167	13	16	.	.	PUNCT
emaj-167	14	1	keywords	keyword	NOUN
emaj-167	14	2	:	:	PUNCT
emaj-167	14	3	trust	trust	NOUN
emaj-167	14	4	,	,	PUNCT
emaj-167	14	5	perceived	perceive	VERB
emaj-167	14	6	ease	ease	NOUN
emaj-167	14	7	of	of	ADP
emaj-167	14	8	use	use	NOUN
emaj-167	14	9	,	,	PUNCT
emaj-167	14	10	perceived	perceive	VERB
emaj-167	14	11	risk	risk	NOUN
emaj-167	14	12	,	,	PUNCT
emaj-167	14	13	relative	relative	ADJ
emaj-167	14	14	advantage	advantage	NOUN
emaj-167	14	15	,	,	PUNCT
emaj-167	14	16	compatibility	compatibility	NOUN
emaj-167	14	17	,	,	PUNCT
emaj-167	14	18	attitude	attitude	NOUN
emaj-167	14	19	*	*	PUNCT
emaj-167	14	20	the	the	DET
emaj-167	14	21	author	author	NOUN
emaj-167	14	22	would	would	AUX
emaj-167	14	23	like	like	VERB
emaj-167	14	24	to	to	PART
emaj-167	14	25	thank	thank	VERB
emaj-167	14	26	professor	professor	NOUN
emaj-167	14	27	omur	omur	ADJ
emaj-167	14	28	akdemir	akdemir	NOUN
emaj-167	14	29	for	for	ADP
emaj-167	14	30	his	his	PRON
emaj-167	14	31	constructive	constructive	ADJ
emaj-167	14	32	comments	comment	NOUN
emaj-167	14	33	on	on	ADP
emaj-167	14	34	the	the	DET
emaj-167	14	35	earlier	early	ADJ
emaj-167	14	36	drafts	draft	NOUN
emaj-167	14	37	of	of	ADP
emaj-167	14	38	this	this	DET
emaj-167	14	39	study	study	NOUN
emaj-167	14	40	.	.	PUNCT
emaj-167	15	1	new	new	ADJ
emaj-167	15	2	articles	article	NOUN
emaj-167	15	3	in	in	ADP
emaj-167	15	4	this	this	DET
emaj-167	15	5	journal	journal	NOUN
emaj-167	15	6	are	be	AUX
emaj-167	15	7	licensed	license	VERB
emaj-167	15	8	under	under	ADP
emaj-167	15	9	a	a	DET
emaj-167	15	10	creative	creative	ADJ
emaj-167	15	11	commons	common	NOUN
emaj-167	15	12	attribution	attribution	NOUN
emaj-167	15	13	3.0	3.0	NUM
emaj-167	15	14	united	unite	VERB
emaj-167	15	15	states	states	PROPN
emaj-167	15	16	license	license	NOUN
emaj-167	15	17	.	.	PUNCT
emaj-167	16	1	this	this	DET
emaj-167	16	2	journal	journal	NOUN
emaj-167	16	3	is	be	AUX
emaj-167	16	4	published	publish	VERB
emaj-167	16	5	by	by	ADP
emaj-167	16	6	the	the	DET
emaj-167	16	7	university	university	NOUN
emaj-167	16	8	library	library	NOUN
emaj-167	16	9	system	system	NOUN
emaj-167	16	10	of	of	ADP
emaj-167	16	11	the	the	DET
emaj-167	16	12	university	university	PROPN
emaj-167	16	13	of	of	ADP
emaj-167	16	14	pittsburgh	pittsburgh	PROPN
emaj-167	16	15	as	as	ADP
emaj-167	16	16	part	part	NOUN
emaj-167	16	17	of	of	ADP
emaj-167	16	18	its	its	PRON
emaj-167	16	19	d	d	NOUN
emaj-167	16	20	-	-	PUNCT
emaj-167	16	21	scribe	scribe	VERB
emaj-167	16	22	digital	digital	ADJ
emaj-167	16	23	publishing	publishing	NOUN
emaj-167	16	24	program	program	NOUN
emaj-167	16	25	,	,	PUNCT
emaj-167	16	26	and	and	CCONJ
emaj-167	16	27	is	be	AUX
emaj-167	16	28	cosponsored	cosponsor	VERB
emaj-167	16	29	by	by	ADP
emaj-167	16	30	the	the	DET
emaj-167	16	31	university	university	PROPN
emaj-167	16	32	of	of	ADP
emaj-167	16	33	pittsburgh	pittsburgh	PROPN
emaj-167	16	34	press	press	NOUN
emaj-167	16	35	.	.	PUNCT
emaj-167	17	1	volume	volume	NOUN
emaj-167	17	2	9	9	NUM
emaj-167	17	3	no	no	DET
emaj-167	17	4	1	1	NUM
emaj-167	17	5	(	(	PUNCT
emaj-167	17	6	2019	2019	NUM
emaj-167	17	7	)	)	PUNCT
emaj-167	17	8	|	|	ADV
emaj-167	17	9	issn	issn	VERB
emaj-167	17	10	2158	2158	NUM
emaj-167	17	11	-	-	SYM
emaj-167	17	12	8708	8708	NUM
emaj-167	17	13	(	(	PUNCT
emaj-167	17	14	online	online	NOUN
emaj-167	17	15	)	)	PUNCT
emaj-167	17	16	|	|	ADV
emaj-167	17	17	doi	doi	X
emaj-167	17	18	10.5195	10.5195	NUM
emaj-167	17	19	/	/	SYM
emaj-167	17	20	emaj.2019.167	emaj.2019.167	NOUN
emaj-167	18	1	|	|	NOUN
emaj-167	18	2	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-167	19	1	|	|	ADV
emaj-167	19	2	http://creativecommons.org/licenses/by/3.0/us/	http://creativecommons.org/licenses/by/3.0/us/	NOUN
emaj-167	19	3	mailto:chrnt.b@gmail.com	mailto:chrnt.b@gmail.com	ADV
emaj-167	19	4	http://www.library.pitt.edu/	http://www.library.pitt.edu/	ADJ
emaj-167	19	5	http://www.pitt.edu/	http://www.pitt.edu/	NOUN
emaj-167	19	6	http://www.library.pitt.edu/articles/digpubtype/index.html	http://www.library.pitt.edu/articles/digpubtype/index.html	X
emaj-167	20	1	http://www.upress.pitt.edu/upressindex.aspx	http://www.upress.pitt.edu/upressindex.aspx	NUM
emaj-167	20	2	http://creativecommons.org/licenses/by/3.0/us/	http://creativecommons.org/licenses/by/3.0/us/	NOUN
emaj-167	20	3	http://creativecommons.org/licenses/by/3.0/us/	http://creativecommons.org/licenses/by/3.0/us/	NOUN
emaj-167	21	1	http://creativecommons.org/licenses/by/3.0/us/	http://creativecommons.org/licenses/by/3.0/us/	NOUN
emaj-167	21	2	volume	volume	NOUN
emaj-167	21	3	9	9	NUM
emaj-167	21	4	no	no	DET
emaj-167	21	5	1	1	NUM
emaj-167	21	6	(	(	PUNCT
emaj-167	21	7	2019	2019	NUM
emaj-167	21	8	)	)	PUNCT
emaj-167	21	9	|	|	ADV
emaj-167	21	10	issn	issn	VERB
emaj-167	21	11	2158	2158	NUM
emaj-167	21	12	-	-	SYM
emaj-167	21	13	8708	8708	NUM
emaj-167	21	14	(	(	PUNCT
emaj-167	21	15	online	online	NOUN
emaj-167	21	16	)	)	PUNCT
emaj-167	21	17	|	|	ADV
emaj-167	21	18	doi	doi	X
emaj-167	21	19	10.5195	10.5195	NUM
emaj-167	21	20	/	/	SYM
emaj-167	21	21	emaj.2019.167	emaj.2019.167	NOUN
emaj-167	22	1	|	|	NOUN
emaj-167	22	2	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-167	22	3	factors	factor	NOUN
emaj-167	22	4	affecting	affect	VERB
emaj-167	22	5	attitudes	attitude	NOUN
emaj-167	22	6	towards	towards	ADP
emaj-167	22	7	adoption	adoption	NOUN
emaj-167	22	8	of	of	ADP
emaj-167	22	9	mobile	mobile	ADJ
emaj-167	22	10	banking	banking	NOUN
emaj-167	22	11	:	:	PUNCT
emaj-167	22	12	users	user	NOUN
emaj-167	22	13	and	and	CCONJ
emaj-167	22	14	non	non	NOUN
emaj-167	22	15	-	-	ADJ
emaj-167	22	16	users	user	NOUN
emaj-167	22	17	perspectives	perspective	NOUN
emaj-167	22	18	page	page	NOUN
emaj-167	22	19	|54|	|54|	AUX
emaj-167	22	20	emerging	emerge	VERB
emaj-167	22	21	markets	market	NOUN
emaj-167	22	22	journal	journal	NOUN
emaj-167	22	23	factors	factor	NOUN
emaj-167	22	24	affecting	affect	VERB
emaj-167	22	25	attitudes	attitude	NOUN
emaj-167	22	26	towards	towards	ADP
emaj-167	22	27	adoption	adoption	NOUN
emaj-167	22	28	of	of	ADP
emaj-167	22	29	mobile	mobile	ADJ
emaj-167	22	30	banking	banking	NOUN
emaj-167	22	31	:	:	PUNCT
emaj-167	22	32	users	user	NOUN
emaj-167	22	33	and	and	CCONJ
emaj-167	22	34	non	non	NOUN
emaj-167	22	35	-	-	ADJ
emaj-167	22	36	users	user	NOUN
emaj-167	22	37	perspectives	perspective	NOUN
emaj-167	22	38	cherinet	cherinet	NOUN
emaj-167	22	39	boke	boke	VERB
emaj-167	22	40	chakiso	chakiso	PROPN
emaj-167	22	41	i.	i.	PROPN
emaj-167	22	42	introduction	introduction	NOUN
emaj-167	22	43	technology	technology	NOUN
emaj-167	22	44	is	be	AUX
emaj-167	22	45	becoming	become	VERB
emaj-167	22	46	one	one	NUM
emaj-167	22	47	of	of	ADP
emaj-167	22	48	the	the	DET
emaj-167	22	49	bases	basis	NOUN
emaj-167	22	50	for	for	ADP
emaj-167	22	51	competitions	competition	NOUN
emaj-167	22	52	in	in	ADP
emaj-167	22	53	all	all	DET
emaj-167	22	54	facets	facet	NOUN
emaj-167	22	55	of	of	ADP
emaj-167	22	56	human	human	ADJ
emaj-167	22	57	activities	activity	NOUN
emaj-167	22	58	(	(	PUNCT
emaj-167	22	59	sohail	sohail	PROPN
emaj-167	22	60	and	and	CCONJ
emaj-167	22	61	al	al	PROPN
emaj-167	22	62	-	-	PUNCT
emaj-167	22	63	jabri	jabri	NOUN
emaj-167	22	64	,	,	PUNCT
emaj-167	22	65	2014	2014	NUM
emaj-167	22	66	)	)	PUNCT
emaj-167	22	67	.	.	PUNCT
emaj-167	23	1	it	it	PRON
emaj-167	23	2	was	be	AUX
emaj-167	23	3	during	during	ADP
emaj-167	23	4	the	the	DET
emaj-167	23	5	1970s	1970	NOUN
emaj-167	23	6	that	that	SCONJ
emaj-167	23	7	automated	automate	VERB
emaj-167	23	8	teller	teller	NOUN
emaj-167	23	9	machines	machine	NOUN
emaj-167	23	10	(	(	PUNCT
emaj-167	23	11	atm	atm	NOUN
emaj-167	23	12	)	)	PUNCT
emaj-167	23	13	followed	follow	VERB
emaj-167	23	14	by	by	ADP
emaj-167	23	15	mobile	mobile	ADJ
emaj-167	23	16	banking	banking	NOUN
emaj-167	23	17	in	in	ADP
emaj-167	23	18	the	the	DET
emaj-167	23	19	1980s	1980	NOUN
emaj-167	23	20	which	which	PRON
emaj-167	23	21	were	be	AUX
emaj-167	23	22	introduced	introduce	VERB
emaj-167	23	23	to	to	ADP
emaj-167	23	24	banking	banking	NOUN
emaj-167	23	25	distribution	distribution	NOUN
emaj-167	23	26	channels	channel	NOUN
emaj-167	23	27	(	(	PUNCT
emaj-167	23	28	mullen	mullen	PROPN
emaj-167	23	29	,	,	PUNCT
emaj-167	23	30	bradley	bradley	NOUN
emaj-167	23	31	and	and	CCONJ
emaj-167	23	32	loane	loane	NOUN
emaj-167	23	33	,	,	PUNCT
emaj-167	23	34	2017	2017	NUM
emaj-167	23	35	)	)	PUNCT
emaj-167	23	36	.	.	PUNCT
emaj-167	24	1	among	among	ADP
emaj-167	24	2	those	those	DET
emaj-167	24	3	technologies	technology	NOUN
emaj-167	24	4	,	,	PUNCT
emaj-167	24	5	mobile	mobile	ADJ
emaj-167	24	6	banking	banking	NOUN
emaj-167	24	7	and	and	CCONJ
emaj-167	24	8	service	service	NOUN
emaj-167	24	9	transactions	transaction	NOUN
emaj-167	24	10	play	play	VERB
emaj-167	24	11	a	a	DET
emaj-167	24	12	vital	vital	ADJ
emaj-167	24	13	role	role	NOUN
emaj-167	24	14	in	in	ADP
emaj-167	24	15	the	the	DET
emaj-167	24	16	day	day	NOUN
emaj-167	24	17	to	to	ADP
emaj-167	24	18	day	day	NOUN
emaj-167	24	19	life	life	NOUN
emaj-167	24	20	of	of	ADP
emaj-167	24	21	marketers	marketer	NOUN
emaj-167	24	22	and	and	CCONJ
emaj-167	24	23	customers	customer	NOUN
emaj-167	24	24	(	(	PUNCT
emaj-167	24	25	laukkanen	laukkanen	ADJ
emaj-167	24	26	,	,	PUNCT
emaj-167	24	27	2017	2017	NUM
emaj-167	24	28	)	)	PUNCT
emaj-167	24	29	.	.	PUNCT
emaj-167	25	1	mobile	mobile	ADJ
emaj-167	25	2	banking	banking	NOUN
emaj-167	25	3	as	as	ADP
emaj-167	25	4	one	one	NUM
emaj-167	25	5	of	of	ADP
emaj-167	25	6	the	the	DET
emaj-167	25	7	promising	promising	ADJ
emaj-167	25	8	technologies	technology	NOUN
emaj-167	25	9	for	for	ADP
emaj-167	25	10	modern	modern	ADJ
emaj-167	25	11	society	society	NOUN
emaj-167	25	12	(	(	PUNCT
emaj-167	25	13	baabdullah	baabdullah	PROPN
emaj-167	25	14	,	,	PUNCT
emaj-167	25	15	alalwan	alalwan	PROPN
emaj-167	25	16	,	,	PUNCT
emaj-167	25	17	rana	rana	PROPN
emaj-167	25	18	,	,	PUNCT
emaj-167	25	19	kizgin	kizgin	NOUN
emaj-167	25	20	,	,	PUNCT
emaj-167	25	21	and	and	CCONJ
emaj-167	25	22	patil	patil	PROPN
emaj-167	25	23	,	,	PUNCT
emaj-167	25	24	2019	2019	NUM
emaj-167	25	25	)	)	PUNCT
emaj-167	25	26	,	,	PUNCT
emaj-167	25	27	empirical	empirical	ADJ
emaj-167	25	28	evidence	evidence	NOUN
emaj-167	25	29	indicates	indicate	VERB
emaj-167	25	30	that	that	SCONJ
emaj-167	25	31	the	the	DET
emaj-167	25	32	adoption	adoption	NOUN
emaj-167	25	33	of	of	ADP
emaj-167	25	34	mobile	mobile	ADJ
emaj-167	25	35	banking	banking	NOUN
emaj-167	25	36	improves	improve	VERB
emaj-167	25	37	the	the	DET
emaj-167	25	38	quality	quality	NOUN
emaj-167	25	39	of	of	ADP
emaj-167	25	40	human	human	ADJ
emaj-167	25	41	life	life	NOUN
emaj-167	25	42	and	and	CCONJ
emaj-167	25	43	furthers	further	VERB
emaj-167	25	44	the	the	DET
emaj-167	25	45	efficiency	efficiency	NOUN
emaj-167	25	46	of	of	ADP
emaj-167	25	47	banks	bank	NOUN
emaj-167	25	48	(	(	PUNCT
emaj-167	25	49	malaquias	malaquia	NOUN
emaj-167	25	50	and	and	CCONJ
emaj-167	25	51	hwang	hwang	PROPN
emaj-167	25	52	,	,	PUNCT
emaj-167	25	53	2016	2016	NUM
emaj-167	25	54	)	)	PUNCT
emaj-167	25	55	.	.	PUNCT
emaj-167	26	1	as	as	ADP
emaj-167	26	2	one	one	NUM
emaj-167	26	3	of	of	ADP
emaj-167	26	4	the	the	DET
emaj-167	26	5	quickest	quick	ADJ
emaj-167	26	6	and	and	CCONJ
emaj-167	26	7	cheapest	cheap	ADJ
emaj-167	26	8	modes	mode	NOUN
emaj-167	26	9	of	of	ADP
emaj-167	26	10	communication	communication	NOUN
emaj-167	26	11	,	,	PUNCT
emaj-167	26	12	mobile	mobile	ADJ
emaj-167	26	13	phones	phone	NOUN
emaj-167	26	14	are	be	AUX
emaj-167	26	15	now	now	ADV
emaj-167	26	16	providing	provide	VERB
emaj-167	26	17	not	not	PART
emaj-167	26	18	only	only	ADV
emaj-167	26	19	hello	hello	INTJ
emaj-167	26	20	but	but	CCONJ
emaj-167	26	21	also	also	ADV
emaj-167	26	22	made	make	VERB
emaj-167	26	23	banking	banking	NOUN
emaj-167	26	24	services	service	NOUN
emaj-167	26	25	to	to	ADP
emaj-167	26	26	palms	palm	NOUN
emaj-167	26	27	of	of	ADP
emaj-167	26	28	customers	customer	NOUN
emaj-167	26	29	.	.	PUNCT
emaj-167	27	1	chawla	chawla	PROPN
emaj-167	27	2	and	and	CCONJ
emaj-167	27	3	joshi	joshi	PROPN
emaj-167	27	4	(	(	PUNCT
emaj-167	27	5	2017	2017	NUM
emaj-167	27	6	)	)	PUNCT
emaj-167	27	7	defined	define	VERB
emaj-167	27	8	mobile	mobile	ADJ
emaj-167	27	9	banking	banking	NOUN
emaj-167	27	10	as	as	ADP
emaj-167	27	11	―using	―use	VERB
emaj-167	27	12	a	a	DET
emaj-167	27	13	mobile	mobile	ADJ
emaj-167	27	14	phone	phone	NOUN
emaj-167	27	15	for	for	ADP
emaj-167	27	16	performing	perform	VERB
emaj-167	27	17	financial	financial	ADJ
emaj-167	27	18	transactions	transaction	NOUN
emaj-167	27	19	such	such	ADJ
emaj-167	27	20	as	as	ADP
emaj-167	27	21	getting	get	VERB
emaj-167	27	22	account	account	NOUN
emaj-167	27	23	information	information	NOUN
emaj-167	27	24	,	,	PUNCT
emaj-167	27	25	transferring	transfer	VERB
emaj-167	27	26	funds	fund	NOUN
emaj-167	27	27	,	,	PUNCT
emaj-167	27	28	request	request	NOUN
emaj-167	27	29	for	for	ADP
emaj-167	27	30	a	a	DET
emaj-167	27	31	checkbook	checkbook	NOUN
emaj-167	27	32	,	,	PUNCT
emaj-167	27	33	opening	opening	NOUN
emaj-167	27	34	or	or	CCONJ
emaj-167	27	35	renewing	renew	VERB
emaj-167	27	36	fixed	fix	VERB
emaj-167	27	37	deposits	deposit	NOUN
emaj-167	27	38	,	,	PUNCT
emaj-167	27	39	opening	open	VERB
emaj-167	27	40	a	a	DET
emaj-167	27	41	dematerialized	dematerialize	VERB
emaj-167	27	42	account	account	NOUN
emaj-167	27	43	,	,	PUNCT
emaj-167	27	44	opening	open	VERB
emaj-167	27	45	a	a	DET
emaj-167	27	46	loan	loan	NOUN
emaj-167	27	47	account	account	NOUN
emaj-167	27	48	,	,	PUNCT
emaj-167	27	49	making	make	VERB
emaj-167	27	50	utility	utility	NOUN
emaj-167	27	51	payments	payment	NOUN
emaj-167	27	52	,	,	PUNCT
emaj-167	27	53	and	and	CCONJ
emaj-167	27	54	so	so	ADV
emaj-167	27	55	on‖.	on‖.	PROPN
emaj-167	27	56	laukkanen	laukkanen	PROPN
emaj-167	27	57	&	&	CCONJ
emaj-167	27	58	pasanen	pasanen	PROPN
emaj-167	27	59	,	,	PUNCT
emaj-167	27	60	(	(	PUNCT
emaj-167	27	61	2008	2008	NUM
emaj-167	27	62	)	)	PUNCT
emaj-167	27	63	defined	define	VERB
emaj-167	27	64	mobile	mobile	ADJ
emaj-167	27	65	banking	banking	NOUN
emaj-167	27	66	as	as	ADP
emaj-167	27	67	―a	―a	NOUN
emaj-167	27	68	channel	channel	NOUN
emaj-167	27	69	whereby	whereby	SCONJ
emaj-167	27	70	the	the	DET
emaj-167	27	71	customer	customer	NOUN
emaj-167	27	72	interacts	interact	VERB
emaj-167	27	73	with	with	ADP
emaj-167	27	74	a	a	DET
emaj-167	27	75	bank	bank	NOUN
emaj-167	27	76	via	via	ADP
emaj-167	27	77	a	a	DET
emaj-167	27	78	mobile	mobile	ADJ
emaj-167	27	79	device	device	NOUN
emaj-167	27	80	such	such	ADJ
emaj-167	27	81	as	as	ADP
emaj-167	27	82	a	a	DET
emaj-167	27	83	smartphone	smartphone	NOUN
emaj-167	27	84	or	or	CCONJ
emaj-167	27	85	a	a	DET
emaj-167	27	86	personal	personal	ADJ
emaj-167	27	87	digital	digital	ADJ
emaj-167	27	88	assistant‖.	assistant‖.	NUM
emaj-167	27	89	mobile	mobile	ADJ
emaj-167	27	90	banking	banking	NOUN
emaj-167	27	91	provides	provide	VERB
emaj-167	27	92	several	several	ADJ
emaj-167	27	93	banking	banking	NOUN
emaj-167	27	94	services	service	NOUN
emaj-167	27	95	with	with	ADP
emaj-167	27	96	full	full	ADJ
emaj-167	27	97	of	of	ADP
emaj-167	27	98	efficiency	efficiency	NOUN
emaj-167	27	99	for	for	ADP
emaj-167	27	100	both	both	DET
emaj-167	27	101	bankers	banker	NOUN
emaj-167	27	102	and	and	CCONJ
emaj-167	27	103	customers	customer	NOUN
emaj-167	27	104	.	.	PUNCT
emaj-167	28	1	this	this	PRON
emaj-167	28	2	unequivocally	unequivocally	ADV
emaj-167	28	3	promotes	promote	VERB
emaj-167	28	4	service	service	NOUN
emaj-167	28	5	efficiency	efficiency	NOUN
emaj-167	28	6	for	for	ADP
emaj-167	28	7	both	both	DET
emaj-167	28	8	customers	customer	NOUN
emaj-167	28	9	as	as	ADV
emaj-167	28	10	well	well	ADV
emaj-167	28	11	as	as	ADP
emaj-167	28	12	bankers	banker	NOUN
emaj-167	28	13	(	(	PUNCT
emaj-167	28	14	sohail	sohail	PROPN
emaj-167	28	15	and	and	CCONJ
emaj-167	28	16	al	al	PROPN
emaj-167	28	17	-	-	PUNCT
emaj-167	28	18	jabri	jabri	NOUN
emaj-167	28	19	,	,	PUNCT
emaj-167	28	20	2014	2014	NUM
emaj-167	28	21	)	)	PUNCT
emaj-167	28	22	.	.	PUNCT
emaj-167	29	1	similarly	similarly	ADV
emaj-167	29	2	,	,	PUNCT
emaj-167	29	3	szopiński	szopiński	VERB
emaj-167	29	4	(	(	PUNCT
emaj-167	29	5	2016	2016	NUM
emaj-167	29	6	)	)	PUNCT
emaj-167	29	7	pointed	point	VERB
emaj-167	29	8	out	out	ADP
emaj-167	29	9	that	that	SCONJ
emaj-167	29	10	the	the	DET
emaj-167	29	11	use	use	NOUN
emaj-167	29	12	of	of	ADP
emaj-167	29	13	electronic	electronic	ADJ
emaj-167	29	14	banking	banking	NOUN
emaj-167	29	15	can	can	AUX
emaj-167	29	16	reduce	reduce	VERB
emaj-167	29	17	costs	cost	NOUN
emaj-167	29	18	for	for	ADP
emaj-167	29	19	both	both	DET
emaj-167	29	20	customers	customer	NOUN
emaj-167	29	21	and	and	CCONJ
emaj-167	29	22	bankers	banker	NOUN
emaj-167	29	23	.	.	PUNCT
emaj-167	30	1	studies	study	NOUN
emaj-167	30	2	about	about	ADP
emaj-167	30	3	mobile	mobile	ADJ
emaj-167	30	4	banking	banking	NOUN
emaj-167	30	5	and	and	CCONJ
emaj-167	30	6	its	its	PRON
emaj-167	30	7	antecedents	antecedent	NOUN
emaj-167	30	8	have	have	AUX
emaj-167	30	9	got	get	VERB
emaj-167	30	10	significant	significant	ADJ
emaj-167	30	11	attention	attention	NOUN
emaj-167	30	12	from	from	ADP
emaj-167	30	13	academics	academic	NOUN
emaj-167	30	14	since	since	SCONJ
emaj-167	30	15	its	its	PRON
emaj-167	30	16	inception	inception	NOUN
emaj-167	30	17	to	to	ADP
emaj-167	30	18	technology	technology	NOUN
emaj-167	30	19	market	market	NOUN
emaj-167	30	20	(	(	PUNCT
emaj-167	30	21	kim	kim	PROPN
emaj-167	30	22	,	,	PUNCT
emaj-167	30	23	shin	shin	NOUN
emaj-167	30	24	,	,	PUNCT
emaj-167	30	25	and	and	CCONJ
emaj-167	30	26	lee	lee	PROPN
emaj-167	30	27	2009	2009	NUM
emaj-167	30	28	;	;	PUNCT
emaj-167	30	29	khasawneh	khasawneh	PROPN
emaj-167	30	30	,	,	PUNCT
emaj-167	30	31	2015	2015	NUM
emaj-167	30	32	;	;	PUNCT
emaj-167	30	33	koeniglewis	koeniglewis	PROPN
emaj-167	30	34	,	,	PUNCT
emaj-167	30	35	palmer	palmer	PROPN
emaj-167	30	36	,	,	PUNCT
emaj-167	30	37	and	and	CCONJ
emaj-167	30	38	moll	moll	PROPN
emaj-167	30	39	,	,	PUNCT
emaj-167	30	40	2010	2010	NUM
emaj-167	30	41	)	)	PUNCT
emaj-167	30	42	.	.	PUNCT
emaj-167	31	1	findings	finding	NOUN
emaj-167	31	2	of	of	ADP
emaj-167	31	3	wan	wan	PROPN
emaj-167	31	4	and	and	CCONJ
emaj-167	31	5	chow	chow	PROPN
emaj-167	31	6	(	(	PUNCT
emaj-167	31	7	2005	2005	NUM
emaj-167	31	8	)	)	PUNCT
emaj-167	31	9	indicate	indicate	VERB
emaj-167	31	10	that	that	SCONJ
emaj-167	31	11	mobile	mobile	ADJ
emaj-167	31	12	banking	banking	NOUN
emaj-167	31	13	is	be	AUX
emaj-167	31	14	the	the	DET
emaj-167	31	15	least	least	ADJ
emaj-167	31	16	adopted	adopted	ADJ
emaj-167	31	17	type	type	NOUN
emaj-167	31	18	of	of	ADP
emaj-167	31	19	electronic	electronic	ADJ
emaj-167	31	20	banking	banking	NOUN
emaj-167	31	21	when	when	SCONJ
emaj-167	31	22	compared	compare	VERB
emaj-167	31	23	to	to	ADP
emaj-167	31	24	other	other	ADJ
emaj-167	31	25	types	type	NOUN
emaj-167	31	26	of	of	ADP
emaj-167	31	27	banking	banking	NOUN
emaj-167	31	28	like	like	ADP
emaj-167	31	29	atm	atm	PROPN
emaj-167	31	30	.	.	PUNCT
emaj-167	32	1	davies	davy	NOUN
emaj-167	32	2	et	et	PROPN
emaj-167	32	3	al	al	PROPN
emaj-167	32	4	.	.	PROPN
emaj-167	33	1	(	(	PUNCT
emaj-167	33	2	1989	1989	NUM
emaj-167	33	3	)	)	PUNCT
emaj-167	33	4	proposed	propose	VERB
emaj-167	33	5	the	the	DET
emaj-167	33	6	user	user	NOUN
emaj-167	33	7	's	's	PART
emaj-167	33	8	acceptance	acceptance	NOUN
emaj-167	33	9	model	model	NOUN
emaj-167	33	10	for	for	ADP
emaj-167	33	11	new	new	ADJ
emaj-167	33	12	technology	technology	NOUN
emaj-167	33	13	.	.	PUNCT
emaj-167	34	1	technology	technology	NOUN
emaj-167	34	2	adoption	adoption	NOUN
emaj-167	34	3	model	model	NOUN
emaj-167	34	4	(	(	PUNCT
emaj-167	34	5	tam	tam	PROPN
emaj-167	34	6	)	)	PUNCT
emaj-167	34	7	is	be	AUX
emaj-167	34	8	one	one	NUM
emaj-167	34	9	of	of	ADP
emaj-167	34	10	the	the	DET
emaj-167	34	11	most	most	ADV
emaj-167	34	12	widely	widely	ADV
emaj-167	34	13	used	use	VERB
emaj-167	34	14	and	and	CCONJ
emaj-167	34	15	discussed	discuss	VERB
emaj-167	34	16	a	a	DET
emaj-167	34	17	model	model	NOUN
emaj-167	34	18	for	for	ADP
emaj-167	34	19	predicting	predict	VERB
emaj-167	34	20	the	the	DET
emaj-167	34	21	adoption	adoption	NOUN
emaj-167	34	22	of	of	ADP
emaj-167	34	23	users	user	NOUN
emaj-167	34	24	for	for	ADP
emaj-167	34	25	new	new	ADJ
emaj-167	34	26	technology	technology	NOUN
emaj-167	34	27	and	and	CCONJ
emaj-167	34	28	innovation	innovation	NOUN
emaj-167	34	29	(	(	PUNCT
emaj-167	34	30	chawla	chawla	PROPN
emaj-167	34	31	and	and	CCONJ
emaj-167	34	32	joshi	joshi	PROPN
emaj-167	34	33	,	,	PUNCT
emaj-167	34	34	2017	2017	NUM
emaj-167	34	35	)	)	PUNCT
emaj-167	34	36	.	.	PUNCT
emaj-167	35	1	in	in	ADP
emaj-167	35	2	cases	case	NOUN
emaj-167	35	3	where	where	SCONJ
emaj-167	35	4	customers	customer	NOUN
emaj-167	35	5	have	have	VERB
emaj-167	35	6	alternative	alternative	ADJ
emaj-167	35	7	ways	way	NOUN
emaj-167	35	8	of	of	ADP
emaj-167	35	9	getting	get	VERB
emaj-167	35	10	service	service	NOUN
emaj-167	35	11	,	,	PUNCT
emaj-167	35	12	the	the	DET
emaj-167	35	13	rate	rate	NOUN
emaj-167	35	14	of	of	ADP
emaj-167	35	15	adoption	adoption	NOUN
emaj-167	35	16	for	for	ADP
emaj-167	35	17	new	new	ADJ
emaj-167	35	18	technology	technology	NOUN
emaj-167	35	19	would	would	AUX
emaj-167	35	20	be	be	AUX
emaj-167	35	21	no	no	DET
emaj-167	35	22	easy	easy	ADJ
emaj-167	35	23	task	task	NOUN
emaj-167	35	24	.	.	PUNCT
emaj-167	36	1	as	as	SCONJ
emaj-167	36	2	new	new	ADJ
emaj-167	36	3	technological	technological	ADJ
emaj-167	36	4	innovations	innovation	NOUN
emaj-167	36	5	at	at	ADP
emaj-167	36	6	infancy	infancy	NOUN
emaj-167	36	7	stage	stage	NOUN
emaj-167	36	8	usually	usually	ADV
emaj-167	36	9	face	face	VERB
emaj-167	36	10	barriers	barrier	NOUN
emaj-167	36	11	to	to	ADP
emaj-167	36	12	technological	technological	ADJ
emaj-167	36	13	adoption	adoption	NOUN
emaj-167	36	14	,	,	PUNCT
emaj-167	36	15	mobile	mobile	ADJ
emaj-167	36	16	banking	banking	NOUN
emaj-167	36	17	is	be	AUX
emaj-167	36	18	no	no	DET
emaj-167	36	19	exception	exception	NOUN
emaj-167	36	20	(	(	PUNCT
emaj-167	36	21	luo	luo	PROPN
emaj-167	36	22	,	,	PUNCT
emaj-167	36	23	li	li	PROPN
emaj-167	36	24	,	,	PUNCT
emaj-167	36	25	zhang	zhang	PROPN
emaj-167	36	26	,	,	PUNCT
emaj-167	36	27	and	and	CCONJ
emaj-167	36	28	shim	shim	NOUN
emaj-167	36	29	,	,	PUNCT
emaj-167	36	30	2010	2010	NUM
emaj-167	36	31	)	)	PUNCT
emaj-167	36	32	.	.	PUNCT
emaj-167	37	1	the	the	DET
emaj-167	37	2	existing	exist	VERB
emaj-167	37	3	literature	literature	NOUN
emaj-167	37	4	about	about	ADP
emaj-167	37	5	the	the	DET
emaj-167	37	6	adoption	adoption	NOUN
emaj-167	37	7	of	of	ADP
emaj-167	37	8	mobile	mobile	ADJ
emaj-167	37	9	banking	banking	NOUN
emaj-167	37	10	technology	technology	NOUN
emaj-167	37	11	adoption	adoption	NOUN
emaj-167	37	12	is	be	AUX
emaj-167	37	13	more	more	ADV
emaj-167	37	14	centered	center	VERB
emaj-167	37	15	on	on	ADP
emaj-167	37	16	developed	develop	VERB
emaj-167	37	17	countries	country	NOUN
emaj-167	37	18	(	(	PUNCT
emaj-167	37	19	sohail	sohail	PROPN
emaj-167	37	20	and	and	CCONJ
emaj-167	37	21	al	al	PROPN
emaj-167	37	22	-	-	PUNCT
emaj-167	37	23	jabri	jabri	NOUN
emaj-167	37	24	,	,	PUNCT
emaj-167	37	25	2014	2014	NUM
emaj-167	37	26	)	)	PUNCT
emaj-167	37	27	.	.	PUNCT
emaj-167	38	1	calhoun	calhoun	PROPN
emaj-167	38	2	et	et	PROPN
emaj-167	38	3	al	al	PROPN
emaj-167	38	4	.	.	PROPN
emaj-167	38	5	(	(	PUNCT
emaj-167	38	6	2002	2002	NUM
emaj-167	38	7	)	)	PUNCT
emaj-167	38	8	underlined	underline	VERB
emaj-167	38	9	the	the	DET
emaj-167	38	10	difference	difference	NOUN
emaj-167	38	11	in	in	ADP
emaj-167	38	12	culture	culture	NOUN
emaj-167	38	13	for	for	ADP
emaj-167	38	14	technology	technology	NOUN
emaj-167	38	15	adoption	adoption	NOUN
emaj-167	38	16	.	.	PUNCT
emaj-167	39	1	in	in	ADP
emaj-167	39	2	the	the	DET
emaj-167	39	3	case	case	NOUN
emaj-167	39	4	of	of	ADP
emaj-167	39	5	turkish	turkish	ADJ
emaj-167	39	6	context	context	NOUN
emaj-167	39	7	,	,	PUNCT
emaj-167	39	8	akturan	akturan	ADJ
emaj-167	39	9	and	and	CCONJ
emaj-167	39	10	tezcan	tezcan	ADJ
emaj-167	39	11	(	(	PUNCT
emaj-167	39	12	2012	2012	NUM
emaj-167	39	13	)	)	PUNCT
emaj-167	39	14	conducted	conduct	VERB
emaj-167	39	15	the	the	DET
emaj-167	39	16	adoption	adoption	NOUN
emaj-167	39	17	of	of	ADP
emaj-167	39	18	mobile	mobile	ADJ
emaj-167	39	19	banking	banking	NOUN
emaj-167	39	20	in	in	ADP
emaj-167	39	21	the	the	DET
emaj-167	39	22	context	context	NOUN
emaj-167	39	23	of	of	ADP
emaj-167	39	24	youth	youth	NOUN
emaj-167	39	25	market	market	NOUN
emaj-167	39	26	but	but	CCONJ
emaj-167	39	27	they	they	PRON
emaj-167	39	28	collected	collect	VERB
emaj-167	39	29	data	datum	NOUN
emaj-167	39	30	from	from	ADP
emaj-167	39	31	only	only	ADJ
emaj-167	39	32	nonusers	nonuser	NOUN
emaj-167	39	33	and	and	CCONJ
emaj-167	39	34	suggested	suggest	VERB
emaj-167	39	35	other	other	ADJ
emaj-167	39	36	studies	study	NOUN
emaj-167	39	37	to	to	PART
emaj-167	39	38	focus	focus	VERB
emaj-167	39	39	on	on	ADP
emaj-167	39	40	users	user	NOUN
emaj-167	39	41	.	.	PUNCT
emaj-167	40	1	tam	tam	PROPN
emaj-167	40	2	and	and	CCONJ
emaj-167	40	3	oliveira	oliveira	PROPN
emaj-167	40	4	(	(	PUNCT
emaj-167	40	5	2016	2016	NUM
emaj-167	40	6	)	)	PUNCT
emaj-167	40	7	pointed	point	VERB
emaj-167	40	8	out	out	ADP
emaj-167	40	9	that	that	SCONJ
emaj-167	40	10	there	there	PRON
emaj-167	40	11	is	be	VERB
emaj-167	40	12	a	a	DET
emaj-167	40	13	lack	lack	NOUN
emaj-167	40	14	of	of	ADP
emaj-167	40	15	studies	study	NOUN
emaj-167	40	16	which	which	PRON
emaj-167	40	17	focus	focus	VERB
emaj-167	40	18	on	on	ADP
emaj-167	40	19	post	post	ADJ
emaj-167	40	20	-	-	NOUN
emaj-167	40	21	adoption	adoption	NOUN
emaj-167	40	22	of	of	ADP
emaj-167	40	23	mobile	mobile	ADJ
emaj-167	40	24	banking	banking	NOUN
emaj-167	40	25	.	.	PUNCT
emaj-167	41	1	moreover	moreover	ADV
emaj-167	41	2	,	,	PUNCT
emaj-167	41	3	there	there	PRON
emaj-167	41	4	are	be	VERB
emaj-167	41	5	no	no	DET
emaj-167	41	6	comparative	comparative	ADJ
emaj-167	41	7	studies	study	NOUN
emaj-167	41	8	in	in	ADP
emaj-167	41	9	turkey	turkey	NOUN
emaj-167	41	10	that	that	PRON
emaj-167	41	11	empirically	empirically	ADV
emaj-167	41	12	investigated	investigate	VERB
emaj-167	41	13	both	both	DET
emaj-167	41	14	users	user	NOUN
emaj-167	41	15	and	and	CCONJ
emaj-167	41	16	nonusers	nonuser	NOUN
emaj-167	41	17	attitude	attitude	NOUN
emaj-167	41	18	towards	towards	ADP
emaj-167	41	19	mobile	mobile	ADJ
emaj-167	41	20	banking	banking	NOUN
emaj-167	41	21	.	.	PUNCT
emaj-167	42	1	therefore	therefore	ADV
emaj-167	42	2	,	,	PUNCT
emaj-167	42	3	the	the	DET
emaj-167	42	4	purpose	purpose	NOUN
emaj-167	42	5	of	of	ADP
emaj-167	42	6	this	this	DET
emaj-167	42	7	study	study	NOUN
emaj-167	42	8	is	be	AUX
emaj-167	42	9	to	to	PART
emaj-167	42	10	investigate	investigate	VERB
emaj-167	42	11	the	the	DET
emaj-167	42	12	factors	factor	NOUN
emaj-167	42	13	affecting	affect	VERB
emaj-167	42	14	both	both	DET
emaj-167	42	15	users	user	NOUN
emaj-167	42	16	and	and	CCONJ
emaj-167	42	17	nonusers	nonuser	NOUN
emaj-167	42	18	attitude	attitude	NOUN
emaj-167	42	19	towards	towards	ADP
emaj-167	42	20	the	the	DET
emaj-167	42	21	adoption	adoption	NOUN
emaj-167	42	22	of	of	ADP
emaj-167	42	23	mobile	mobile	ADJ
emaj-167	42	24	banking	banking	NOUN
emaj-167	42	25	in	in	ADP
emaj-167	42	26	turkey	turkey	PROPN
emaj-167	42	27	.	.	PUNCT
emaj-167	43	1	ii	ii	PROPN
emaj-167	43	2	.	.	PUNCT
emaj-167	43	3	conceptual	conceptual	ADJ
emaj-167	43	4	framework	framework	NOUN
emaj-167	43	5	this	this	DET
emaj-167	43	6	section	section	NOUN
emaj-167	43	7	reviews	review	VERB
emaj-167	43	8	the	the	DET
emaj-167	43	9	literature	literature	NOUN
emaj-167	43	10	and	and	CCONJ
emaj-167	43	11	attempts	attempt	VERB
emaj-167	43	12	to	to	PART
emaj-167	43	13	synthesize	synthesize	VERB
emaj-167	43	14	extant	extant	ADJ
emaj-167	43	15	studies	study	NOUN
emaj-167	43	16	based	base	VERB
emaj-167	43	17	on	on	ADP
emaj-167	43	18	the	the	DET
emaj-167	43	19	previous	previous	ADJ
emaj-167	43	20	theory	theory	NOUN
emaj-167	43	21	that	that	PRON
emaj-167	43	22	can	can	AUX
emaj-167	43	23	explain	explain	VERB
emaj-167	43	24	factors	factor	NOUN
emaj-167	43	25	which	which	PRON
emaj-167	43	26	can	can	AUX
emaj-167	43	27	affect	affect	VERB
emaj-167	43	28	the	the	DET
emaj-167	43	29	attitudes	attitude	NOUN
emaj-167	43	30	of	of	ADP
emaj-167	43	31	customers	customer	NOUN
emaj-167	43	32	towards	towards	ADP
emaj-167	43	33	the	the	DET
emaj-167	43	34	adoption	adoption	NOUN
emaj-167	43	35	of	of	ADP
emaj-167	43	36	mobile	mobile	ADJ
emaj-167	43	37	banking	banking	NOUN
emaj-167	43	38	.	.	PUNCT
emaj-167	44	1	trust	trust	NOUN
emaj-167	44	2	trust	trust	PROPN
emaj-167	44	3	is	be	AUX
emaj-167	44	4	among	among	ADP
emaj-167	44	5	the	the	DET
emaj-167	44	6	vital	vital	ADJ
emaj-167	44	7	factors	factor	NOUN
emaj-167	44	8	in	in	ADP
emaj-167	44	9	exchange	exchange	NOUN
emaj-167	44	10	relationship	relationship	NOUN
emaj-167	44	11	between	between	ADP
emaj-167	44	12	two	two	NUM
emaj-167	44	13	partners	partner	NOUN
emaj-167	44	14	to	to	PART
emaj-167	44	15	have	have	VERB
emaj-167	44	16	noble	noble	ADJ
emaj-167	44	17	outcomes	outcome	NOUN
emaj-167	44	18	such	such	ADJ
emaj-167	44	19	as	as	ADP
emaj-167	44	20	loyalty	loyalty	NOUN
emaj-167	44	21	(	(	PUNCT
emaj-167	44	22	morgan	morgan	PROPN
emaj-167	44	23	and	and	CCONJ
emaj-167	44	24	hunt	hunt	PROPN
emaj-167	44	25	,	,	PUNCT
emaj-167	44	26	1994	1994	NUM
emaj-167	44	27	;	;	PUNCT
emaj-167	44	28	chakiso	chakiso	NOUN
emaj-167	44	29	,	,	PUNCT
emaj-167	44	30	2015	2015	NUM
emaj-167	44	31	)	)	PUNCT
emaj-167	44	32	and	and	CCONJ
emaj-167	44	33	related	relate	VERB
emaj-167	44	34	with	with	ADP
emaj-167	44	35	satisfaction	satisfaction	NOUN
emaj-167	44	36	(	(	PUNCT
emaj-167	44	37	luakkannen	luakkannen	NOUN
emaj-167	44	38	,	,	PUNCT
emaj-167	44	39	2017	2017	NUM
emaj-167	44	40	)	)	PUNCT
emaj-167	44	41	.	.	PUNCT
emaj-167	45	1	the	the	DET
emaj-167	45	2	existing	exist	VERB
emaj-167	45	3	uncertainty	uncertainty	NOUN
emaj-167	45	4	with	with	ADP
emaj-167	45	5	mobile	mobile	ADJ
emaj-167	45	6	banking	banking	NOUN
emaj-167	45	7	and	and	CCONJ
emaj-167	45	8	service	service	NOUN
emaj-167	45	9	by	by	ADP
emaj-167	45	10	its	its	PRON
emaj-167	45	11	nature	nature	NOUN
emaj-167	45	12	make	make	VERB
emaj-167	45	13	one	one	NUM
emaj-167	45	14	of	of	ADP
emaj-167	45	15	the	the	DET
emaj-167	45	16	critical	critical	ADJ
emaj-167	45	17	factors	factor	NOUN
emaj-167	45	18	for	for	ADP
emaj-167	45	19	marketers	marketer	NOUN
emaj-167	45	20	(	(	PUNCT
emaj-167	45	21	luo	luo	PROPN
emaj-167	45	22	,	,	PUNCT
emaj-167	45	23	li	li	PROPN
emaj-167	45	24	,	,	PUNCT
emaj-167	45	25	zhang	zhang	PROPN
emaj-167	45	26	,	,	PUNCT
emaj-167	45	27	and	and	CCONJ
emaj-167	45	28	shim	shim	NOUN
emaj-167	45	29	,	,	PUNCT
emaj-167	45	30	2010	2010	NUM
emaj-167	45	31	)	)	PUNCT
emaj-167	45	32	.	.	PUNCT
emaj-167	46	1	trust	trust	NOUN
emaj-167	46	2	is	be	AUX
emaj-167	46	3	the	the	DET
emaj-167	46	4	partners	partner	NOUN
emaj-167	46	5	‘	'	PUNCT
emaj-167	46	6	confidence	confidence	NOUN
emaj-167	46	7	in	in	ADP
emaj-167	46	8	exchange	exchange	NOUN
emaj-167	46	9	for	for	ADP
emaj-167	46	10	partners	partner	NOUN
emaj-167	46	11	reliability	reliability	NOUN
emaj-167	46	12	and	and	CCONJ
emaj-167	46	13	integrity	integrity	NOUN
emaj-167	46	14	(	(	PUNCT
emaj-167	46	15	morgan	morgan	PROPN
emaj-167	46	16	and	and	CCONJ
emaj-167	46	17	hunt	hunt	PROPN
emaj-167	46	18	,	,	PUNCT
emaj-167	46	19	1994	1994	NUM
emaj-167	46	20	)	)	PUNCT
emaj-167	46	21	.	.	PUNCT
emaj-167	47	1	as	as	SCONJ
emaj-167	47	2	cited	cite	VERB
emaj-167	47	3	by	by	ADP
emaj-167	47	4	singh	singh	PROPN
emaj-167	47	5	and	and	CCONJ
emaj-167	47	6	srivastava	srivastava	PROPN
emaj-167	47	7	(	(	PUNCT
emaj-167	47	8	2018	2018	NUM
emaj-167	47	9	)	)	PUNCT
emaj-167	47	10	,	,	PUNCT
emaj-167	47	11	in	in	ADP
emaj-167	47	12	mobile	mobile	ADJ
emaj-167	47	13	banking	banking	NOUN
emaj-167	47	14	,	,	PUNCT
emaj-167	47	15	trust	trust	NOUN
emaj-167	47	16	is	be	AUX
emaj-167	47	17	defined	define	VERB
emaj-167	47	18	as	as	ADP
emaj-167	47	19	―the	―the	DET
emaj-167	47	20	belief	belief	NOUN
emaj-167	47	21	that	that	PRON
emaj-167	47	22	allows	allow	VERB
emaj-167	47	23	individuals	individual	NOUN
emaj-167	47	24	to	to	PART
emaj-167	47	25	willingly	willingly	ADV
emaj-167	47	26	become	become	VERB
emaj-167	47	27	vulnerable	vulnerable	ADJ
emaj-167	47	28	to	to	ADP
emaj-167	47	29	the	the	DET
emaj-167	47	30	bank	bank	NOUN
emaj-167	47	31	,	,	PUNCT
emaj-167	47	32	the	the	DET
emaj-167	47	33	telecommunication	telecommunication	NOUN
emaj-167	47	34	provider	provider	NOUN
emaj-167	47	35	,	,	PUNCT
emaj-167	47	36	and	and	CCONJ
emaj-167	47	37	the	the	DET
emaj-167	47	38	mobile	mobile	ADJ
emaj-167	47	39	technology	technology	NOUN
emaj-167	47	40	after	after	ADP
emaj-167	47	41	having	have	VERB
emaj-167	47	42	the	the	DET
emaj-167	47	43	banks	bank	NOUN
emaj-167	47	44	,	,	PUNCT
emaj-167	47	45	and	and	CCONJ
emaj-167	47	46	the	the	DET
emaj-167	47	47	telecommunication	telecommunication	NOUN
emaj-167	47	48	provider‘s	provider‘s	NOUN
emaj-167	47	49	characteristic	characteristic	NOUN
emaj-167	47	50	embedded	embed	VERB
emaj-167	47	51	in	in	ADP
emaj-167	47	52	the	the	DET
emaj-167	47	53	technology	technology	NOUN
emaj-167	47	54	artefact‖	artefact‖	ADV
emaj-167	47	55	masrek	masrek	NOUN
emaj-167	47	56	et	et	PROPN
emaj-167	47	57	al	al	PROPN
emaj-167	47	58	.	.	PROPN
emaj-167	48	1	(	(	PUNCT
emaj-167	48	2	2012	2012	NUM
emaj-167	48	3	)	)	PUNCT
emaj-167	48	4	.	.	PUNCT
emaj-167	49	1	morgan	morgan	PROPN
emaj-167	49	2	and	and	CCONJ
emaj-167	49	3	hunt	hunt	PROPN
emaj-167	49	4	(	(	PUNCT
emaj-167	49	5	1994	1994	NUM
emaj-167	49	6	)	)	PUNCT
emaj-167	49	7	asserted	assert	VERB
emaj-167	49	8	that	that	SCONJ
emaj-167	49	9	in	in	ADP
emaj-167	49	10	rational	rational	ADJ
emaj-167	49	11	contracting	contracting	NOUN
emaj-167	49	12	behavior	behavior	NOUN
emaj-167	49	13	,	,	PUNCT
emaj-167	49	14	trust	trust	NOUN
emaj-167	49	15	plays	play	VERB
emaj-167	49	16	a	a	DET
emaj-167	49	17	vital	vital	ADJ
emaj-167	49	18	role	role	NOUN
emaj-167	49	19	between	between	ADP
emaj-167	49	20	exchange	exchange	NOUN
emaj-167	49	21	partners	partner	NOUN
emaj-167	49	22	.	.	PUNCT
emaj-167	50	1	the	the	DET
emaj-167	50	2	trust	trust	NOUN
emaj-167	50	3	between	between	ADP
emaj-167	50	4	the	the	DET
emaj-167	50	5	exchange	exchange	NOUN
emaj-167	50	6	partners	partner	NOUN
emaj-167	50	7	leads	lead	VERB
emaj-167	50	8	to	to	ADP
emaj-167	50	9	productivity	productivity	NOUN
emaj-167	50	10	and	and	CCONJ
emaj-167	50	11	efficiency	efficiency	NOUN
emaj-167	50	12	preceded	precede	VERB
emaj-167	50	13	by	by	ADP
emaj-167	50	14	cooperative	cooperative	ADJ
emaj-167	50	15	behavior	behavior	NOUN
emaj-167	50	16	(	(	PUNCT
emaj-167	50	17	morgan	morgan	PROPN
emaj-167	50	18	and	and	CCONJ
emaj-167	50	19	hunt	hunt	PROPN
emaj-167	50	20	,	,	PUNCT
emaj-167	50	21	1994	1994	NUM
emaj-167	50	22	)	)	PUNCT
emaj-167	50	23	.	.	PUNCT
emaj-167	51	1	building	build	VERB
emaj-167	51	2	trust	trust	NOUN
emaj-167	51	3	would	would	AUX
emaj-167	51	4	take	take	VERB
emaj-167	51	5	time	time	NOUN
emaj-167	51	6	and	and	CCONJ
emaj-167	51	7	it	it	PRON
emaj-167	51	8	differs	differ	VERB
emaj-167	51	9	types	type	NOUN
emaj-167	51	10	of	of	ADP
emaj-167	51	11	offerings	offering	NOUN
emaj-167	51	12	especially	especially	ADV
emaj-167	51	13	in	in	ADP
emaj-167	51	14	services	service	NOUN
emaj-167	51	15	which	which	PRON
emaj-167	51	16	are	be	AUX
emaj-167	51	17	intangible	intangible	ADJ
emaj-167	51	18	in	in	ADP
emaj-167	51	19	nature	nature	NOUN
emaj-167	51	20	(	(	PUNCT
emaj-167	51	21	chakiso	chakiso	PROPN
emaj-167	51	22	,	,	PUNCT
emaj-167	51	23	2015	2015	NUM
emaj-167	51	24	)	)	PUNCT
emaj-167	51	25	.	.	PUNCT
emaj-167	52	1	for	for	ADP
emaj-167	52	2	example	example	NOUN
emaj-167	52	3	,	,	PUNCT
emaj-167	52	4	chawla	chawla	PROPN
emaj-167	52	5	and	and	CCONJ
emaj-167	52	6	joshi	joshi	PROPN
emaj-167	52	7	(	(	PUNCT
emaj-167	52	8	2017	2017	NUM
emaj-167	52	9	)	)	PUNCT
emaj-167	52	10	pointed	point	VERB
emaj-167	52	11	out	out	ADP
emaj-167	52	12	that	that	SCONJ
emaj-167	52	13	the	the	DET
emaj-167	52	14	level	level	NOUN
emaj-167	52	15	of	of	ADP
emaj-167	52	16	trust	trust	NOUN
emaj-167	52	17	varies	vary	VERB
emaj-167	52	18	for	for	ADP
emaj-167	52	19	different	different	ADJ
emaj-167	52	20	types	type	NOUN
emaj-167	52	21	of	of	ADP
emaj-167	52	22	technological	technological	ADJ
emaj-167	52	23	innovations	innovation	NOUN
emaj-167	52	24	associated	associate	VERB
emaj-167	52	25	with	with	ADP
emaj-167	52	26	its	its	PRON
emaj-167	52	27	perceived	perceive	VERB
emaj-167	52	28	risks	risk	NOUN
emaj-167	52	29	.	.	PUNCT
emaj-167	53	1	chawla	chawla	NOUN
emaj-167	53	2	and	and	CCONJ
emaj-167	53	3	joshi‘s	joshi‘s	PROPN
emaj-167	53	4	(	(	PUNCT
emaj-167	53	5	2017	2017	NUM
emaj-167	53	6	)	)	PUNCT
emaj-167	53	7	finding	finding	NOUN
emaj-167	53	8	indicates	indicate	VERB
emaj-167	53	9	that	that	SCONJ
emaj-167	53	10	trust	trust	NOUN
emaj-167	53	11	predicted	predict	VERB
emaj-167	53	12	68	68	NUM
emaj-167	53	13	%	%	NOUN
emaj-167	53	14	of	of	ADP
emaj-167	53	15	users	user	NOUN
emaj-167	53	16	perceived	perceive	VERB
emaj-167	53	17	adoption	adoption	NOUN
emaj-167	53	18	of	of	ADP
emaj-167	53	19	mobile	mobile	ADJ
emaj-167	53	20	banking	banking	NOUN
emaj-167	53	21	.	.	PUNCT
emaj-167	54	1	correspondingly	correspondingly	ADV
emaj-167	54	2	,	,	PUNCT
emaj-167	54	3	the	the	DET
emaj-167	54	4	findings	finding	NOUN
emaj-167	54	5	of	of	ADP
emaj-167	54	6	koenig	koenig	PROPN
emaj-167	54	7	-	-	PUNCT
emaj-167	54	8	lewis	lewis	PROPN
emaj-167	54	9	(	(	PUNCT
emaj-167	54	10	2010	2010	NUM
emaj-167	54	11	)	)	PUNCT
emaj-167	54	12	indicate	indicate	VERB
emaj-167	54	13	that	that	PRON
emaj-167	54	14	trust	trust	NOUN
emaj-167	54	15	and	and	CCONJ
emaj-167	54	16	credibility	credibility	NOUN
emaj-167	54	17	found	find	VERB
emaj-167	54	18	to	to	PART
emaj-167	54	19	be	be	AUX
emaj-167	54	20	crucial	crucial	ADJ
emaj-167	54	21	in	in	ADP
emaj-167	54	22	reducing	reduce	VERB
emaj-167	54	23	the	the	DET
emaj-167	54	24	overall	overall	ADJ
emaj-167	54	25	perceived	perceive	VERB
emaj-167	54	26	risk	risk	NOUN
emaj-167	54	27	of	of	ADP
emaj-167	54	28	mobile	mobile	ADJ
emaj-167	54	29	banking	banking	NOUN
emaj-167	54	30	.	.	PUNCT
emaj-167	55	1	chawla	chawla	PROPN
emaj-167	55	2	and	and	CCONJ
emaj-167	55	3	joshi‘s	joshi‘s	PROPN
emaj-167	55	4	(	(	PUNCT
emaj-167	55	5	2017	2017	NUM
emaj-167	55	6	)	)	PUNCT
emaj-167	55	7	finding	find	VERB
emaj-167	55	8	indicate	indicate	VERB
emaj-167	55	9	that	that	DET
emaj-167	55	10	trust	trust	NOUN
emaj-167	55	11	is	be	AUX
emaj-167	55	12	one	one	NUM
emaj-167	55	13	of	of	ADP
emaj-167	55	14	the	the	DET
emaj-167	55	15	most	most	ADV
emaj-167	55	16	important	important	ADJ
emaj-167	55	17	elements	element	NOUN
emaj-167	55	18	in	in	ADP
emaj-167	55	19	banking	banking	NOUN
emaj-167	55	20	transactions	transaction	NOUN
emaj-167	55	21	,	,	PUNCT
emaj-167	55	22	especially	especially	ADV
emaj-167	55	23	in	in	ADP
emaj-167	55	24	online	online	ADJ
emaj-167	55	25	banking	banking	NOUN
emaj-167	55	26	.	.	PUNCT
emaj-167	56	1	volume	volume	NOUN
emaj-167	56	2	9	9	NUM
emaj-167	56	3	no	no	DET
emaj-167	56	4	1	1	NUM
emaj-167	56	5	(	(	PUNCT
emaj-167	56	6	2019	2019	NUM
emaj-167	56	7	)	)	PUNCT
emaj-167	56	8	|	|	ADV
emaj-167	56	9	issn	issn	VERB
emaj-167	56	10	2158	2158	NUM
emaj-167	56	11	-	-	SYM
emaj-167	56	12	8708	8708	NUM
emaj-167	56	13	(	(	PUNCT
emaj-167	56	14	online	online	NOUN
emaj-167	56	15	)	)	PUNCT
emaj-167	56	16	|	|	ADV
emaj-167	56	17	doi	doi	X
emaj-167	56	18	10.5195	10.5195	NUM
emaj-167	56	19	/	/	SYM
emaj-167	56	20	emaj.2019.167	emaj.2019.167	NOUN
emaj-167	57	1	|	|	NOUN
emaj-167	57	2	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-167	57	3	cherinet	cherinet	PROPN
emaj-167	57	4	boke	boke	VERB
emaj-167	57	5	chakiso	chakiso	NOUN
emaj-167	57	6	emerging	emerge	VERB
emaj-167	57	7	markets	market	NOUN
emaj-167	57	8	journal	journal	NOUN
emaj-167	58	1	|	|	ADV
emaj-167	58	2	p	p	NOUN
emaj-167	58	3	a	a	DET
emaj-167	58	4	g	g	NOUN
emaj-167	58	5	e	e	NOUN
emaj-167	58	6	5	5	NUM
emaj-167	58	7	5	5	NUM
emaj-167	58	8	trust	trust	NOUN
emaj-167	58	9	can	can	AUX
emaj-167	58	10	be	be	AUX
emaj-167	58	11	developed	develop	VERB
emaj-167	58	12	between	between	ADP
emaj-167	58	13	exchange	exchange	NOUN
emaj-167	58	14	partners	partner	NOUN
emaj-167	58	15	with	with	ADP
emaj-167	58	16	three	three	NUM
emaj-167	58	17	integral	integral	ADJ
emaj-167	58	18	parts	part	NOUN
emaj-167	58	19	namely	namely	ADV
emaj-167	58	20	successful	successful	ADJ
emaj-167	58	21	accomplishment	accomplishment	NOUN
emaj-167	58	22	and	and	CCONJ
emaj-167	58	23	provision	provision	NOUN
emaj-167	58	24	of	of	ADP
emaj-167	58	25	service	service	NOUN
emaj-167	58	26	,	,	PUNCT
emaj-167	58	27	ethically	ethically	ADV
emaj-167	58	28	delivering	deliver	VERB
emaj-167	58	29	service	service	NOUN
emaj-167	58	30	with	with	ADP
emaj-167	58	31	full	full	ADJ
emaj-167	58	32	integrity	integrity	NOUN
emaj-167	58	33	with	with	ADP
emaj-167	58	34	no	no	DET
emaj-167	58	35	deceiving	deceiving	NOUN
emaj-167	58	36	,	,	PUNCT
emaj-167	58	37	and	and	CCONJ
emaj-167	58	38	caring	care	VERB
emaj-167	58	39	the	the	DET
emaj-167	58	40	needs	need	NOUN
emaj-167	58	41	of	of	ADP
emaj-167	58	42	customers	customer	NOUN
emaj-167	58	43	by	by	ADP
emaj-167	58	44	due	due	ADJ
emaj-167	58	45	benevolence	benevolence	NOUN
emaj-167	58	46	(	(	PUNCT
emaj-167	58	47	farah	farah	PROPN
emaj-167	58	48	,	,	PUNCT
emaj-167	58	49	hasni	hasni	NOUN
emaj-167	58	50	,	,	PUNCT
emaj-167	58	51	and	and	CCONJ
emaj-167	58	52	abbas	abbas	PROPN
emaj-167	58	53	,	,	PUNCT
emaj-167	58	54	2019	2019	NUM
emaj-167	58	55	)	)	PUNCT
emaj-167	58	56	.	.	PUNCT
emaj-167	59	1	despite	despite	SCONJ
emaj-167	59	2	its	its	PRON
emaj-167	59	3	developmental	developmental	ADJ
emaj-167	59	4	stages	stage	NOUN
emaj-167	59	5	,	,	PUNCT
emaj-167	59	6	some	some	DET
emaj-167	59	7	studies	study	NOUN
emaj-167	59	8	indicate	indicate	VERB
emaj-167	59	9	that	that	SCONJ
emaj-167	59	10	initial	initial	ADJ
emaj-167	59	11	trust	trust	NOUN
emaj-167	59	12	is	be	AUX
emaj-167	59	13	the	the	DET
emaj-167	59	14	most	most	ADV
emaj-167	59	15	important	important	ADJ
emaj-167	59	16	(	(	PUNCT
emaj-167	59	17	gao	gao	NOUN
emaj-167	59	18	and	and	CCONJ
emaj-167	59	19	waechter	waechter	NOUN
emaj-167	59	20	,	,	PUNCT
emaj-167	59	21	2015	2015	NUM
emaj-167	59	22	)	)	PUNCT
emaj-167	59	23	and	and	CCONJ
emaj-167	59	24	it	it	PRON
emaj-167	59	25	can	can	AUX
emaj-167	59	26	build	build	VERB
emaj-167	59	27	at	at	ADP
emaj-167	59	28	the	the	DET
emaj-167	59	29	early	early	ADJ
emaj-167	59	30	stages	stage	NOUN
emaj-167	59	31	of	of	ADP
emaj-167	59	32	exchange	exchange	NOUN
emaj-167	59	33	relations	relation	NOUN
emaj-167	59	34	with	with	ADP
emaj-167	59	35	the	the	DET
emaj-167	59	36	exchange	exchange	NOUN
emaj-167	59	37	partners	partner	NOUN
emaj-167	59	38	(	(	PUNCT
emaj-167	59	39	sharma	sharma	PROPN
emaj-167	59	40	and	and	CCONJ
emaj-167	59	41	sharma	sharma	PROPN
emaj-167	59	42	,	,	PUNCT
emaj-167	59	43	2019	2019	NUM
emaj-167	59	44	)	)	PUNCT
emaj-167	59	45	.	.	PUNCT
emaj-167	60	1	in	in	ADP
emaj-167	60	2	an	an	DET
emaj-167	60	3	empirical	empirical	ADJ
emaj-167	60	4	study	study	NOUN
emaj-167	60	5	,	,	PUNCT
emaj-167	60	6	farah	farah	PROPN
emaj-167	60	7	et	et	PROPN
emaj-167	60	8	al	al	PROPN
emaj-167	60	9	.	.	PROPN
emaj-167	61	1	(	(	PUNCT
emaj-167	61	2	2018	2018	NUM
emaj-167	61	3	)	)	PUNCT
emaj-167	61	4	found	find	VERB
emaj-167	61	5	that	that	SCONJ
emaj-167	61	6	trust	trust	NOUN
emaj-167	61	7	predicts	predict	VERB
emaj-167	61	8	mobile	mobile	ADJ
emaj-167	61	9	banking	banking	NOUN
emaj-167	61	10	adoption	adoption	NOUN
emaj-167	61	11	intention	intention	NOUN
emaj-167	61	12	.	.	PUNCT
emaj-167	62	1	h1a	h1a	NOUN
emaj-167	62	2	:	:	PUNCT
emaj-167	62	3	trust	trust	NOUN
emaj-167	62	4	has	have	VERB
emaj-167	62	5	a	a	DET
emaj-167	62	6	positive	positive	ADJ
emaj-167	62	7	and	and	CCONJ
emaj-167	62	8	significant	significant	ADJ
emaj-167	62	9	effect	effect	NOUN
emaj-167	62	10	on	on	ADP
emaj-167	62	11	users	user	NOUN
emaj-167	62	12	attitude	attitude	NOUN
emaj-167	62	13	towards	towards	ADP
emaj-167	62	14	the	the	DET
emaj-167	62	15	adoption	adoption	NOUN
emaj-167	62	16	of	of	ADP
emaj-167	62	17	mobile	mobile	ADJ
emaj-167	62	18	banking	banking	NOUN
emaj-167	62	19	.	.	PUNCT
emaj-167	63	1	h1b	h1b	PROPN
emaj-167	63	2	:	:	PUNCT
emaj-167	63	3	trust	trust	NOUN
emaj-167	63	4	has	have	VERB
emaj-167	63	5	a	a	DET
emaj-167	63	6	positive	positive	ADJ
emaj-167	63	7	and	and	CCONJ
emaj-167	63	8	significant	significant	ADJ
emaj-167	63	9	effect	effect	NOUN
emaj-167	63	10	on	on	ADP
emaj-167	63	11	nonusers	nonuser	NOUN
emaj-167	63	12	attitude	attitude	NOUN
emaj-167	63	13	towards	towards	ADP
emaj-167	63	14	the	the	DET
emaj-167	63	15	adoption	adoption	NOUN
emaj-167	63	16	of	of	ADP
emaj-167	63	17	mobile	mobile	ADJ
emaj-167	63	18	banking	banking	NOUN
emaj-167	63	19	.	.	PUNCT
emaj-167	64	1	perceived	perceive	VERB
emaj-167	64	2	ease	ease	NOUN
emaj-167	64	3	of	of	ADP
emaj-167	64	4	use	use	NOUN
emaj-167	64	5	perceived	perceive	VERB
emaj-167	64	6	ease	ease	NOUN
emaj-167	64	7	of	of	ADP
emaj-167	64	8	usefulness	usefulness	NOUN
emaj-167	64	9	(	(	PUNCT
emaj-167	64	10	peu	peu	NOUN
emaj-167	64	11	)	)	PUNCT
emaj-167	64	12	can	can	AUX
emaj-167	64	13	be	be	AUX
emaj-167	64	14	defined	define	VERB
emaj-167	64	15	as	as	ADP
emaj-167	64	16	the	the	DET
emaj-167	64	17	degree	degree	NOUN
emaj-167	64	18	to	to	PART
emaj-167	64	19	which	which	PRON
emaj-167	64	20	an	an	DET
emaj-167	64	21	innovation	innovation	NOUN
emaj-167	64	22	is	be	AUX
emaj-167	64	23	easy	easy	ADJ
emaj-167	64	24	to	to	PART
emaj-167	64	25	use	use	VERB
emaj-167	64	26	(	(	PUNCT
emaj-167	64	27	lin	lin	PROPN
emaj-167	64	28	,	,	PUNCT
emaj-167	64	29	2010	2010	NUM
emaj-167	64	30	)	)	PUNCT
emaj-167	64	31	.	.	PUNCT
emaj-167	65	1	davis	davis	PROPN
emaj-167	65	2	(	(	PUNCT
emaj-167	65	3	1989	1989	NUM
emaj-167	65	4	)	)	PUNCT
emaj-167	65	5	defined	define	VERB
emaj-167	65	6	peu	peu	NOUN
emaj-167	65	7	as	as	ADP
emaj-167	65	8	achieving	achieve	VERB
emaj-167	65	9	innovation	innovation	NOUN
emaj-167	65	10	with	with	ADP
emaj-167	65	11	free	free	ADJ
emaj-167	65	12	of	of	ADP
emaj-167	65	13	effort	effort	NOUN
emaj-167	65	14	and	and	CCONJ
emaj-167	65	15	perceiving	perceive	VERB
emaj-167	65	16	that	that	DET
emaj-167	65	17	mobile	mobile	ADJ
emaj-167	65	18	banking	banking	NOUN
emaj-167	65	19	is	be	AUX
emaj-167	65	20	advantageous	advantageous	ADJ
emaj-167	65	21	and	and	CCONJ
emaj-167	65	22	make	make	VERB
emaj-167	65	23	service	service	NOUN
emaj-167	65	24	easier	easy	ADJ
emaj-167	65	25	(	(	PUNCT
emaj-167	65	26	akturan	akturan	ADJ
emaj-167	65	27	,	,	PUNCT
emaj-167	65	28	2012	2012	NUM
emaj-167	65	29	)	)	PUNCT
emaj-167	65	30	.	.	PUNCT
emaj-167	66	1	akturan	akturan	VERB
emaj-167	66	2	(	(	PUNCT
emaj-167	66	3	2012	2012	NUM
emaj-167	66	4	)	)	PUNCT
emaj-167	66	5	studied	study	VERB
emaj-167	66	6	about	about	ADP
emaj-167	66	7	mobile	mobile	ADJ
emaj-167	66	8	banking	banking	NOUN
emaj-167	66	9	adoptions	adoption	NOUN
emaj-167	66	10	and	and	CCONJ
emaj-167	66	11	found	find	VERB
emaj-167	66	12	that	that	SCONJ
emaj-167	66	13	perceived	perceive	VERB
emaj-167	66	14	ease	ease	NOUN
emaj-167	66	15	of	of	ADP
emaj-167	66	16	use	use	NOUN
emaj-167	66	17	has	have	VERB
emaj-167	66	18	a	a	DET
emaj-167	66	19	positive	positive	ADJ
emaj-167	66	20	and	and	CCONJ
emaj-167	66	21	significant	significant	ADJ
emaj-167	66	22	effect	effect	NOUN
emaj-167	66	23	on	on	ADP
emaj-167	66	24	customers	customer	NOUN
emaj-167	66	25	.	.	PUNCT
emaj-167	67	1	in	in	ADP
emaj-167	67	2	the	the	DET
emaj-167	67	3	study	study	NOUN
emaj-167	67	4	of	of	ADP
emaj-167	67	5	user‘s	user‘s	ADJ
emaj-167	67	6	adoption	adoption	NOUN
emaj-167	67	7	of	of	ADP
emaj-167	67	8	internet	internet	NOUN
emaj-167	67	9	banking	banking	NOUN
emaj-167	67	10	,	,	PUNCT
emaj-167	67	11	yiu	yiu	NOUN
emaj-167	67	12	,	,	PUNCT
emaj-167	67	13	grant	grant	NOUN
emaj-167	67	14	,	,	PUNCT
emaj-167	67	15	and	and	CCONJ
emaj-167	67	16	edgar	edgar	NOUN
emaj-167	67	17	(	(	PUNCT
emaj-167	67	18	2007	2007	NUM
emaj-167	67	19	)	)	PUNCT
emaj-167	67	20	found	find	VERB
emaj-167	67	21	that	that	SCONJ
emaj-167	67	22	perceived	perceive	VERB
emaj-167	67	23	ease	ease	NOUN
emaj-167	67	24	of	of	ADP
emaj-167	67	25	use	use	NOUN
emaj-167	67	26	has	have	VERB
emaj-167	67	27	a	a	DET
emaj-167	67	28	direct	direct	ADJ
emaj-167	67	29	relationship	relationship	NOUN
emaj-167	67	30	with	with	ADP
emaj-167	67	31	the	the	DET
emaj-167	67	32	user‘s	user‘s	ADJ
emaj-167	67	33	adoption	adoption	NOUN
emaj-167	67	34	to	to	ADP
emaj-167	67	35	internet	internet	NOUN
emaj-167	67	36	banking	banking	NOUN
emaj-167	67	37	.	.	PUNCT
emaj-167	68	1	in	in	ADP
emaj-167	68	2	contrary	contrary	PROPN
emaj-167	68	3	,	,	PUNCT
emaj-167	68	4	boateng	boateng	PROPN
emaj-167	68	5	,	,	PUNCT
emaj-167	68	6	adam	adam	PROPN
emaj-167	68	7	,	,	PUNCT
emaj-167	68	8	okoe	okoe	PROPN
emaj-167	68	9	,	,	PUNCT
emaj-167	68	10	and	and	CCONJ
emaj-167	68	11	dorson	dorson	NOUN
emaj-167	68	12	(	(	PUNCT
emaj-167	68	13	2016	2016	NUM
emaj-167	68	14	)	)	PUNCT
emaj-167	68	15	found	find	VERB
emaj-167	68	16	that	that	SCONJ
emaj-167	68	17	perceived	perceive	VERB
emaj-167	68	18	ease	ease	NOUN
emaj-167	68	19	of	of	ADP
emaj-167	68	20	use	use	NOUN
emaj-167	68	21	has	have	VERB
emaj-167	68	22	no	no	DET
emaj-167	68	23	significant	significant	ADJ
emaj-167	68	24	effect	effect	NOUN
emaj-167	68	25	on	on	ADP
emaj-167	68	26	user‘s	user‘s	ADJ
emaj-167	68	27	adoption	adoption	NOUN
emaj-167	68	28	of	of	ADP
emaj-167	68	29	internet	internet	NOUN
emaj-167	68	30	banking	banking	NOUN
emaj-167	68	31	.	.	PUNCT
emaj-167	69	1	this	this	PRON
emaj-167	69	2	would	would	AUX
emaj-167	69	3	be	be	AUX
emaj-167	69	4	due	due	ADJ
emaj-167	69	5	to	to	ADP
emaj-167	69	6	the	the	DET
emaj-167	69	7	difference	difference	NOUN
emaj-167	69	8	in	in	ADP
emaj-167	69	9	culture	culture	NOUN
emaj-167	69	10	for	for	ADP
emaj-167	69	11	the	the	DET
emaj-167	69	12	adoption	adoption	NOUN
emaj-167	69	13	of	of	ADP
emaj-167	69	14	new	new	ADJ
emaj-167	69	15	innovative	innovative	ADJ
emaj-167	69	16	technology	technology	NOUN
emaj-167	69	17	.	.	PUNCT
emaj-167	70	1	h2a	h2a	NOUN
emaj-167	70	2	:	:	PUNCT
emaj-167	70	3	perceived	perceive	VERB
emaj-167	70	4	ease	ease	NOUN
emaj-167	70	5	of	of	ADP
emaj-167	70	6	use	use	NOUN
emaj-167	70	7	has	have	VERB
emaj-167	70	8	a	a	DET
emaj-167	70	9	positive	positive	ADJ
emaj-167	70	10	and	and	CCONJ
emaj-167	70	11	significant	significant	ADJ
emaj-167	70	12	effect	effect	NOUN
emaj-167	70	13	on	on	ADP
emaj-167	70	14	users	user	NOUN
emaj-167	70	15	attitude	attitude	NOUN
emaj-167	70	16	towards	towards	ADP
emaj-167	70	17	the	the	DET
emaj-167	70	18	adoption	adoption	NOUN
emaj-167	70	19	of	of	ADP
emaj-167	70	20	mobile	mobile	ADJ
emaj-167	70	21	banking	banking	NOUN
emaj-167	70	22	.	.	PUNCT
emaj-167	71	1	h2b	h2b	PROPN
emaj-167	71	2	:	:	PUNCT
emaj-167	71	3	perceived	perceive	VERB
emaj-167	71	4	ease	ease	NOUN
emaj-167	71	5	of	of	ADP
emaj-167	71	6	use	use	NOUN
emaj-167	71	7	has	have	VERB
emaj-167	71	8	a	a	DET
emaj-167	71	9	positive	positive	ADJ
emaj-167	71	10	and	and	CCONJ
emaj-167	71	11	significant	significant	ADJ
emaj-167	71	12	effect	effect	NOUN
emaj-167	71	13	on	on	ADP
emaj-167	71	14	nonusers	nonuser	NOUN
emaj-167	71	15	attitude	attitude	NOUN
emaj-167	71	16	towards	towards	ADP
emaj-167	71	17	the	the	DET
emaj-167	71	18	adoption	adoption	NOUN
emaj-167	71	19	of	of	ADP
emaj-167	71	20	mobile	mobile	ADJ
emaj-167	71	21	banking	banking	NOUN
emaj-167	71	22	.	.	PUNCT
emaj-167	72	1	perceived	perceive	VERB
emaj-167	72	2	risk	risk	NOUN
emaj-167	72	3	perceived	perceive	VERB
emaj-167	72	4	risks	risk	NOUN
emaj-167	72	5	are	be	AUX
emaj-167	72	6	factors	factor	NOUN
emaj-167	72	7	that	that	PRON
emaj-167	72	8	make	make	VERB
emaj-167	72	9	consumer	consumer	NOUN
emaj-167	72	10	contemplate	contemplate	NOUN
emaj-167	72	11	about	about	ADP
emaj-167	72	12	the	the	DET
emaj-167	72	13	nature	nature	NOUN
emaj-167	72	14	and	and	CCONJ
emaj-167	72	15	amount	amount	NOUN
emaj-167	72	16	of	of	ADP
emaj-167	72	17	risk	risk	NOUN
emaj-167	72	18	for	for	ADP
emaj-167	72	19	purchase	purchase	NOUN
emaj-167	72	20	decision	decision	NOUN
emaj-167	72	21	(	(	PUNCT
emaj-167	72	22	bauer	bauer	NOUN
emaj-167	72	23	,	,	PUNCT
emaj-167	72	24	1960	1960	NUM
emaj-167	72	25	)	)	PUNCT
emaj-167	72	26	.	.	PUNCT
emaj-167	73	1	murray	murray	PROPN
emaj-167	73	2	(	(	PUNCT
emaj-167	73	3	1991	1991	NUM
emaj-167	73	4	)	)	PUNCT
emaj-167	73	5	conceptualized	conceptualize	VERB
emaj-167	73	6	that	that	SCONJ
emaj-167	73	7	due	due	ADP
emaj-167	73	8	to	to	ADP
emaj-167	73	9	inseparability	inseparability	NOUN
emaj-167	73	10	nature	nature	NOUN
emaj-167	73	11	of	of	ADP
emaj-167	73	12	service	service	NOUN
emaj-167	73	13	,	,	PUNCT
emaj-167	73	14	perceived	perceive	VERB
emaj-167	73	15	risk	risk	NOUN
emaj-167	73	16	is	be	AUX
emaj-167	73	17	higher	high	ADJ
emaj-167	73	18	in	in	ADP
emaj-167	73	19	service	service	NOUN
emaj-167	73	20	than	than	ADP
emaj-167	73	21	goods	good	NOUN
emaj-167	73	22	.	.	PUNCT
emaj-167	74	1	moreover	moreover	ADV
emaj-167	74	2	,	,	PUNCT
emaj-167	74	3	consumers	consumer	NOUN
emaj-167	74	4	lack	lack	VERB
emaj-167	74	5	knowledge	knowledge	NOUN
emaj-167	74	6	about	about	ADP
emaj-167	74	7	the	the	DET
emaj-167	74	8	product	product	NOUN
emaj-167	74	9	increases	increase	VERB
emaj-167	74	10	consumers	consumer	NOUN
emaj-167	74	11	perceived	perceive	VERB
emaj-167	74	12	risk	risk	NOUN
emaj-167	74	13	.	.	PUNCT
emaj-167	75	1	murray	murray	PROPN
emaj-167	75	2	(	(	PUNCT
emaj-167	75	3	1991	1991	NUM
emaj-167	75	4	)	)	PUNCT
emaj-167	75	5	stated	state	VERB
emaj-167	75	6	that	that	SCONJ
emaj-167	75	7	the	the	DET
emaj-167	75	8	greater	great	ADJ
emaj-167	75	9	perceived	perceive	VERB
emaj-167	75	10	risk	risk	NOUN
emaj-167	75	11	increases	increase	VERB
emaj-167	75	12	the	the	DET
emaj-167	75	13	consumer	consumer	NOUN
emaj-167	75	14	's	's	PART
emaj-167	75	15	propensity	propensity	NOUN
emaj-167	75	16	to	to	PART
emaj-167	75	17	seek	seek	VERB
emaj-167	75	18	information	information	NOUN
emaj-167	75	19	about	about	ADP
emaj-167	75	20	the	the	DET
emaj-167	75	21	product	product	NOUN
emaj-167	75	22	.	.	PUNCT
emaj-167	76	1	this	this	PRON
emaj-167	76	2	depends	depend	VERB
emaj-167	76	3	on	on	ADP
emaj-167	76	4	the	the	DET
emaj-167	76	5	consumer	consumer	NOUN
emaj-167	76	6	's	's	PART
emaj-167	76	7	source	source	NOUN
emaj-167	76	8	of	of	ADP
emaj-167	76	9	information	information	NOUN
emaj-167	76	10	(	(	PUNCT
emaj-167	76	11	for	for	ADP
emaj-167	76	12	example	example	NOUN
emaj-167	76	13	,	,	PUNCT
emaj-167	76	14	friends	friend	NOUN
emaj-167	76	15	,	,	PUNCT
emaj-167	76	16	family	family	NOUN
emaj-167	76	17	,	,	PUNCT
emaj-167	76	18	media	medium	NOUN
emaj-167	76	19	,	,	PUNCT
emaj-167	76	20	etc	etc	X
emaj-167	76	21	.	.	X
emaj-167	76	22	)	)	PUNCT
emaj-167	76	23	acceptance	acceptance	NOUN
emaj-167	76	24	and	and	CCONJ
emaj-167	76	25	readiness	readiness	NOUN
emaj-167	76	26	for	for	ADP
emaj-167	76	27	the	the	DET
emaj-167	76	28	service	service	NOUN
emaj-167	76	29	for	for	ADP
emaj-167	76	30	purchase	purchase	NOUN
emaj-167	76	31	decision	decision	NOUN
emaj-167	76	32	and	and	CCONJ
emaj-167	76	33	continual	continual	ADJ
emaj-167	76	34	use	use	NOUN
emaj-167	76	35	.	.	PUNCT
emaj-167	77	1	studies	study	NOUN
emaj-167	77	2	on	on	ADP
emaj-167	77	3	technology	technology	NOUN
emaj-167	77	4	adoption	adoption	NOUN
emaj-167	77	5	indicate	indicate	VERB
emaj-167	77	6	that	that	SCONJ
emaj-167	77	7	perceived	perceive	VERB
emaj-167	77	8	risk	risk	NOUN
emaj-167	77	9	is	be	AUX
emaj-167	77	10	one	one	NUM
emaj-167	77	11	of	of	ADP
emaj-167	77	12	the	the	DET
emaj-167	77	13	important	important	ADJ
emaj-167	77	14	factors	factor	NOUN
emaj-167	77	15	that	that	PRON
emaj-167	77	16	affect	affect	VERB
emaj-167	77	17	consumers	consumer	NOUN
emaj-167	77	18	attitudes	attitude	NOUN
emaj-167	77	19	and	and	CCONJ
emaj-167	77	20	intention	intention	NOUN
emaj-167	77	21	towards	towards	ADP
emaj-167	77	22	the	the	DET
emaj-167	77	23	adoption	adoption	NOUN
emaj-167	77	24	of	of	ADP
emaj-167	77	25	new	new	ADJ
emaj-167	77	26	technology	technology	NOUN
emaj-167	77	27	.	.	PUNCT
emaj-167	78	1	for	for	ADP
emaj-167	78	2	example	example	NOUN
emaj-167	78	3	,	,	PUNCT
emaj-167	78	4	laforet	laforet	PROPN
emaj-167	78	5	and	and	CCONJ
emaj-167	78	6	li	li	PROPN
emaj-167	78	7	,	,	PUNCT
emaj-167	78	8	(	(	PUNCT
emaj-167	78	9	2005	2005	NUM
emaj-167	78	10	)	)	PUNCT
emaj-167	78	11	found	find	VERB
emaj-167	78	12	that	that	SCONJ
emaj-167	78	13	perceived	perceive	VERB
emaj-167	78	14	risk	risk	NOUN
emaj-167	78	15	is	be	AUX
emaj-167	78	16	one	one	NUM
emaj-167	78	17	of	of	ADP
emaj-167	78	18	the	the	DET
emaj-167	78	19	important	important	ADJ
emaj-167	78	20	factors	factor	NOUN
emaj-167	78	21	for	for	ADP
emaj-167	78	22	the	the	DET
emaj-167	78	23	adoption	adoption	NOUN
emaj-167	78	24	decision	decision	NOUN
emaj-167	78	25	of	of	ADP
emaj-167	78	26	chinese	chinese	ADJ
emaj-167	78	27	customers	customer	NOUN
emaj-167	78	28	.	.	PUNCT
emaj-167	79	1	there	there	PRON
emaj-167	79	2	are	be	VERB
emaj-167	79	3	major	major	ADJ
emaj-167	79	4	dimensions	dimension	NOUN
emaj-167	79	5	of	of	ADP
emaj-167	79	6	risks	risk	NOUN
emaj-167	79	7	which	which	PRON
emaj-167	79	8	are	be	AUX
emaj-167	79	9	identified	identify	VERB
emaj-167	79	10	by	by	ADP
emaj-167	79	11	jacoby	jacoby	PROPN
emaj-167	79	12	and	and	CCONJ
emaj-167	79	13	kaplan	kaplan	PROPN
emaj-167	79	14	,	,	PUNCT
emaj-167	79	15	(	(	PUNCT
emaj-167	79	16	1972	1972	NUM
emaj-167	79	17	)	)	PUNCT
emaj-167	79	18	;	;	PUNCT
emaj-167	79	19	kaplan	kaplan	PROPN
emaj-167	79	20	,	,	PUNCT
emaj-167	79	21	jacoby	jacoby	PROPN
emaj-167	79	22	,	,	PUNCT
emaj-167	79	23	and	and	CCONJ
emaj-167	79	24	szybillo	szybillo	PROPN
emaj-167	79	25	,	,	PUNCT
emaj-167	79	26	(	(	PUNCT
emaj-167	79	27	1974	1974	NUM
emaj-167	79	28	)	)	PUNCT
emaj-167	79	29	and	and	CCONJ
emaj-167	79	30	,	,	PUNCT
emaj-167	79	31	time	time	NOUN
emaj-167	79	32	risk	risk	NOUN
emaj-167	79	33	is	be	AUX
emaj-167	79	34	by	by	ADP
emaj-167	79	35	roselius	roselius	PROPN
emaj-167	79	36	(	(	PUNCT
emaj-167	79	37	1971	1971	NUM
emaj-167	79	38	)	)	PUNCT
emaj-167	79	39	and	and	CCONJ
emaj-167	79	40	more	more	ADV
emaj-167	79	41	recently	recently	ADV
emaj-167	79	42	by	by	ADP
emaj-167	79	43	(	(	PUNCT
emaj-167	79	44	featherman	featherman	NOUN
emaj-167	79	45	and	and	CCONJ
emaj-167	79	46	pavlou	pavlou	NOUN
emaj-167	79	47	,	,	PUNCT
emaj-167	79	48	2003	2003	NUM
emaj-167	79	49	)	)	PUNCT
emaj-167	79	50	.	.	PUNCT
emaj-167	80	1	they	they	PRON
emaj-167	80	2	are	be	AUX
emaj-167	80	3	shown	show	VERB
emaj-167	80	4	below	below	ADP
emaj-167	80	5	in	in	ADP
emaj-167	80	6	table	table	NOUN
emaj-167	80	7	1	1	NUM
emaj-167	80	8	.	.	PUNCT
emaj-167	80	9	table	table	NOUN
emaj-167	80	10	1	1	NUM
emaj-167	80	11	:	:	PUNCT
emaj-167	80	12	types	type	NOUN
emaj-167	80	13	of	of	ADP
emaj-167	80	14	risks	risk	NOUN
emaj-167	80	15	financial	financial	ADJ
emaj-167	80	16	risk	risk	NOUN
emaj-167	80	17	the	the	DET
emaj-167	80	18	potential	potential	ADJ
emaj-167	80	19	monetary	monetary	ADJ
emaj-167	80	20	cost	cost	NOUN
emaj-167	80	21	incurred	incur	VERB
emaj-167	80	22	to	to	PART
emaj-167	80	23	make	make	VERB
emaj-167	80	24	the	the	DET
emaj-167	80	25	product	product	NOUN
emaj-167	80	26	work	work	VERB
emaj-167	80	27	properly	properly	ADV
emaj-167	80	28	,	,	PUNCT
emaj-167	80	29	or	or	CCONJ
emaj-167	80	30	to	to	PART
emaj-167	80	31	replace	replace	VERB
emaj-167	80	32	it	it	PRON
emaj-167	80	33	with	with	ADP
emaj-167	80	34	a	a	DET
emaj-167	80	35	satisfactory	satisfactory	ADJ
emaj-167	80	36	product	product	NOUN
emaj-167	80	37	(	(	PUNCT
emaj-167	80	38	roselius	roselius	NOUN
emaj-167	80	39	,	,	PUNCT
emaj-167	80	40	1971	1971	NUM
emaj-167	80	41	:	:	PUNCT
emaj-167	80	42	58	58	NUM
emaj-167	80	43	)	)	PUNCT
emaj-167	80	44	.	.	PUNCT
emaj-167	81	1	product	product	NOUN
emaj-167	81	2	performance	performance	NOUN
emaj-167	81	3	risk	risk	NOUN
emaj-167	81	4	the	the	DET
emaj-167	81	5	loss	loss	NOUN
emaj-167	81	6	incurred	incur	VERB
emaj-167	81	7	when	when	SCONJ
emaj-167	81	8	a	a	DET
emaj-167	81	9	brand	brand	NOUN
emaj-167	81	10	or	or	CCONJ
emaj-167	81	11	product	product	NOUN
emaj-167	81	12	does	do	AUX
emaj-167	81	13	not	not	PART
emaj-167	81	14	perform	perform	VERB
emaj-167	81	15	as	as	ADP
emaj-167	81	16	expected	expect	VERB
emaj-167	81	17	(	(	PUNCT
emaj-167	81	18	forsythe	forsythe	PROPN
emaj-167	81	19	and	and	CCONJ
emaj-167	81	20	shi	shi	PROPN
emaj-167	81	21	,	,	PUNCT
emaj-167	81	22	2003	2003	NUM
emaj-167	81	23	:	:	PUNCT
emaj-167	81	24	869	869	NUM
emaj-167	81	25	)	)	PUNCT
emaj-167	81	26	.	.	PUNCT
emaj-167	82	1	social	social	ADJ
emaj-167	82	2	risk	risk	NOUN
emaj-167	82	3	―potential	―potential	PROPN
emaj-167	82	4	loss	loss	NOUN
emaj-167	82	5	of	of	ADP
emaj-167	82	6	status	status	NOUN
emaj-167	82	7	in	in	ADP
emaj-167	82	8	one‘s	one‘s	PROPN
emaj-167	82	9	social	social	ADJ
emaj-167	82	10	group	group	NOUN
emaj-167	82	11	as	as	ADP
emaj-167	82	12	a	a	DET
emaj-167	82	13	result	result	NOUN
emaj-167	82	14	of	of	ADP
emaj-167	82	15	adopting	adopt	VERB
emaj-167	82	16	a	a	DET
emaj-167	82	17	product	product	NOUN
emaj-167	82	18	or	or	CCONJ
emaj-167	82	19	service	service	NOUN
emaj-167	82	20	,	,	PUNCT
emaj-167	82	21	looking	look	VERB
emaj-167	82	22	foolish	foolish	ADJ
emaj-167	82	23	or	or	CCONJ
emaj-167	82	24	untrendy‖	untrendy‖	PROPN
emaj-167	82	25	(	(	PUNCT
emaj-167	82	26	featherman	featherman	NOUN
emaj-167	82	27	and	and	CCONJ
emaj-167	82	28	pavlou	pavlou	NOUN
emaj-167	82	29	,	,	PUNCT
emaj-167	82	30	2003	2003	NUM
emaj-167	82	31	:	:	PUNCT
emaj-167	82	32	455	455	NUM
emaj-167	82	33	)	)	PUNCT
emaj-167	82	34	.	.	PUNCT
emaj-167	83	1	physical	physical	ADJ
emaj-167	83	2	risk	risk	NOUN
emaj-167	83	3	the	the	DET
emaj-167	83	4	potential	potential	ADJ
emaj-167	83	5	risk	risk	NOUN
emaj-167	83	6	of	of	ADP
emaj-167	83	7	that	that	PRON
emaj-167	83	8	can	can	AUX
emaj-167	83	9	be	be	AUX
emaj-167	83	10	sustained	sustain	VERB
emaj-167	83	11	by	by	ADP
emaj-167	83	12	using	use	VERB
emaj-167	83	13	the	the	DET
emaj-167	83	14	product	product	NOUN
emaj-167	83	15	.	.	PUNCT
emaj-167	84	1	psychological	psychological	ADJ
emaj-167	84	2	risk	risk	NOUN
emaj-167	84	3	the	the	DET
emaj-167	84	4	risk	risk	NOUN
emaj-167	84	5	of	of	ADP
emaj-167	84	6	potential	potential	ADJ
emaj-167	84	7	disappointment	disappointment	NOUN
emaj-167	84	8	,	,	PUNCT
emaj-167	84	9	frustration	frustration	NOUN
emaj-167	84	10	,	,	PUNCT
emaj-167	84	11	and	and	CCONJ
emaj-167	84	12	shame	shame	NOUN
emaj-167	84	13	experienced	experience	VERB
emaj-167	84	14	if	if	SCONJ
emaj-167	84	15	one‘s	one‘s	ADP
emaj-167	84	16	personal	personal	ADJ
emaj-167	84	17	information	information	NOUN
emaj-167	84	18	is	be	AUX
emaj-167	84	19	disclosed	disclose	VERB
emaj-167	84	20	(	(	PUNCT
emaj-167	84	21	forsythe	forsythe	PROPN
emaj-167	84	22	and	and	CCONJ
emaj-167	84	23	shi	shi	PROPN
emaj-167	84	24	,	,	PUNCT
emaj-167	84	25	2003	2003	NUM
emaj-167	84	26	:	:	PUNCT
emaj-167	84	27	869	869	NUM
emaj-167	84	28	)	)	PUNCT
emaj-167	84	29	.	.	PUNCT
emaj-167	85	1	time	time	NOUN
emaj-167	85	2	risk	risk	NOUN
emaj-167	85	3	refer	refer	VERB
emaj-167	85	4	to	to	ADP
emaj-167	85	5	the	the	DET
emaj-167	85	6	loss	loss	NOUN
emaj-167	85	7	of	of	ADP
emaj-167	85	8	time	time	NOUN
emaj-167	85	9	and	and	CCONJ
emaj-167	85	10	inconvenience	inconvenience	NOUN
emaj-167	85	11	incurred	incur	VERB
emaj-167	85	12	due	due	ADP
emaj-167	85	13	to	to	ADP
emaj-167	85	14	difficulty	difficulty	NOUN
emaj-167	85	15	of	of	ADP
emaj-167	85	16	navigation	navigation	NOUN
emaj-167	85	17	and/	and/	NOUN
emaj-167	85	18	or	or	CCONJ
emaj-167	85	19	submitting	submit	VERB
emaj-167	85	20	order	order	NOUN
emaj-167	85	21	,	,	PUNCT
emaj-167	85	22	finding	find	VERB
emaj-167	85	23	appropriate	appropriate	ADJ
emaj-167	85	24	web	web	NOUN
emaj-167	85	25	sites	site	NOUN
emaj-167	85	26	,	,	PUNCT
emaj-167	85	27	or	or	CCONJ
emaj-167	85	28	delays	delay	NOUN
emaj-167	85	29	receiving	receive	VERB
emaj-167	85	30	products	product	NOUN
emaj-167	85	31	(	(	PUNCT
emaj-167	85	32	forsythe	forsythe	PROPN
emaj-167	85	33	and	and	CCONJ
emaj-167	85	34	shi	shi	PROPN
emaj-167	85	35	,	,	PUNCT
emaj-167	85	36	2003	2003	NUM
emaj-167	85	37	:	:	PUNCT
emaj-167	85	38	869	869	NUM
emaj-167	85	39	)	)	PUNCT
emaj-167	85	40	.	.	PUNCT
emaj-167	86	1	privacy	privacy	NOUN
emaj-167	86	2	risk	risk	NOUN
emaj-167	86	3	―potential	―potential	PROPN
emaj-167	86	4	loss	loss	NOUN
emaj-167	86	5	of	of	ADP
emaj-167	86	6	control	control	NOUN
emaj-167	86	7	over	over	ADP
emaj-167	86	8	personal	personal	ADJ
emaj-167	86	9	information	information	NOUN
emaj-167	86	10	,	,	PUNCT
emaj-167	86	11	such	such	ADJ
emaj-167	86	12	as	as	ADP
emaj-167	86	13	when	when	SCONJ
emaj-167	86	14	information	information	NOUN
emaj-167	86	15	about	about	ADP
emaj-167	86	16	you	you	PRON
emaj-167	86	17	is	be	AUX
emaj-167	86	18	used	use	VERB
emaj-167	86	19	without	without	ADP
emaj-167	86	20	your	your	PRON
emaj-167	86	21	knowledge	knowledge	NOUN
emaj-167	86	22	or	or	CCONJ
emaj-167	86	23	permission.‖	permission.‖	PROPN
emaj-167	86	24	(	(	PUNCT
emaj-167	86	25	featherman	featherman	NOUN
emaj-167	86	26	and	and	CCONJ
emaj-167	86	27	pavlou	pavlou	NOUN
emaj-167	86	28	,	,	PUNCT
emaj-167	86	29	2003	2003	NUM
emaj-167	86	30	:	:	PUNCT
emaj-167	86	31	455	455	NUM
emaj-167	86	32	)	)	PUNCT
emaj-167	86	33	overall	overall	ADJ
emaj-167	86	34	risk	risk	NOUN
emaj-167	86	35	―a	―a	NOUN
emaj-167	86	36	general	general	ADJ
emaj-167	86	37	measure	measure	NOUN
emaj-167	86	38	of	of	ADP
emaj-167	86	39	perceived	perceive	VERB
emaj-167	86	40	risk	risk	NOUN
emaj-167	86	41	when	when	SCONJ
emaj-167	86	42	all	all	DET
emaj-167	86	43	criteria	criterion	NOUN
emaj-167	86	44	are	be	AUX
emaj-167	86	45	evaluated	evaluate	VERB
emaj-167	86	46	together.‖	together.‖	NOUN
emaj-167	86	47	(	(	PUNCT
emaj-167	86	48	featherman	featherman	NOUN
emaj-167	86	49	and	and	CCONJ
emaj-167	86	50	pavlou	pavlou	NOUN
emaj-167	86	51	,	,	PUNCT
emaj-167	86	52	2003	2003	NUM
emaj-167	86	53	:	:	PUNCT
emaj-167	86	54	455	455	NUM
emaj-167	86	55	)	)	PUNCT
emaj-167	87	1	akturan	akturan	VERB
emaj-167	87	2	(	(	PUNCT
emaj-167	87	3	2012	2012	NUM
emaj-167	87	4	)	)	PUNCT
emaj-167	87	5	found	find	VERB
emaj-167	87	6	that	that	SCONJ
emaj-167	87	7	,	,	PUNCT
emaj-167	87	8	performance	performance	NOUN
emaj-167	87	9	risk	risk	NOUN
emaj-167	87	10	and	and	CCONJ
emaj-167	87	11	social	social	ADJ
emaj-167	87	12	risk	risk	NOUN
emaj-167	87	13	have	have	VERB
emaj-167	87	14	a	a	DET
emaj-167	87	15	direct	direct	ADJ
emaj-167	87	16	and	and	CCONJ
emaj-167	87	17	significant	significant	ADJ
emaj-167	87	18	effect	effect	NOUN
emaj-167	87	19	on	on	ADP
emaj-167	87	20	nonusers	nonuser	NOUN
emaj-167	87	21	‘	‘	PART
emaj-167	87	22	attitude	attitude	NOUN
emaj-167	87	23	towards	towards	ADP
emaj-167	87	24	the	the	DET
emaj-167	87	25	adoption	adoption	NOUN
emaj-167	87	26	of	of	ADP
emaj-167	87	27	mobile	mobile	ADJ
emaj-167	87	28	banking	banking	NOUN
emaj-167	87	29	.	.	PUNCT
emaj-167	88	1	riquelme	riquelme	PROPN
emaj-167	88	2	&	&	CCONJ
emaj-167	88	3	rios	rios	PROPN
emaj-167	88	4	(	(	PUNCT
emaj-167	88	5	2010	2010	NUM
emaj-167	88	6	)	)	PUNCT
emaj-167	88	7	found	find	VERB
emaj-167	88	8	that	that	SCONJ
emaj-167	88	9	,	,	PUNCT
emaj-167	88	10	social	social	ADJ
emaj-167	88	11	risk	risk	NOUN
emaj-167	88	12	can	can	AUX
emaj-167	88	13	affect	affect	VERB
emaj-167	88	14	the	the	DET
emaj-167	88	15	intention	intention	NOUN
emaj-167	88	16	to	to	PART
emaj-167	88	17	adopt	adopt	VERB
emaj-167	88	18	mobile	mobile	ADJ
emaj-167	88	19	banking	banking	NOUN
emaj-167	88	20	.	.	PUNCT
emaj-167	89	1	similarly	similarly	ADV
emaj-167	89	2	,	,	PUNCT
emaj-167	89	3	farah	farah	PROPN
emaj-167	89	4	et	et	PROPN
emaj-167	89	5	al	al	PROPN
emaj-167	89	6	.	.	PROPN
emaj-167	90	1	(	(	PUNCT
emaj-167	90	2	2018	2018	NUM
emaj-167	90	3	)	)	PUNCT
emaj-167	90	4	determined	determine	VERB
emaj-167	90	5	that	that	SCONJ
emaj-167	90	6	,	,	PUNCT
emaj-167	90	7	perceived	perceive	VERB
emaj-167	90	8	risk	risk	NOUN
emaj-167	90	9	predicts	predict	VERB
emaj-167	90	10	intention	intention	NOUN
emaj-167	90	11	to	to	PART
emaj-167	90	12	adopt	adopt	VERB
emaj-167	90	13	mobile	mobile	ADJ
emaj-167	90	14	banking	banking	NOUN
emaj-167	90	15	.	.	PUNCT
emaj-167	91	1	therefore	therefore	ADV
emaj-167	91	2	,	,	PUNCT
emaj-167	91	3	it	it	PRON
emaj-167	91	4	can	can	AUX
emaj-167	91	5	be	be	AUX
emaj-167	91	6	hypothesized	hypothesize	VERB
emaj-167	91	7	as	as	SCONJ
emaj-167	91	8	:	:	PUNCT
emaj-167	91	9	h3a	h3a	NOUN
emaj-167	91	10	:	:	PUNCT
emaj-167	91	11	perceived	perceive	VERB
emaj-167	91	12	risk	risk	NOUN
emaj-167	91	13	has	have	VERB
emaj-167	91	14	a	a	DET
emaj-167	91	15	positive	positive	ADJ
emaj-167	91	16	and	and	CCONJ
emaj-167	91	17	significant	significant	ADJ
emaj-167	91	18	effect	effect	NOUN
emaj-167	91	19	on	on	ADP
emaj-167	91	20	users	user	NOUN
emaj-167	91	21	’	'	PUNCT
emaj-167	91	22	attitude	attitude	NOUN
emaj-167	91	23	towards	towards	ADP
emaj-167	91	24	the	the	DET
emaj-167	91	25	adoption	adoption	NOUN
emaj-167	91	26	of	of	ADP
emaj-167	91	27	mobile	mobile	ADJ
emaj-167	91	28	banking	banking	NOUN
emaj-167	91	29	.	.	PUNCT
emaj-167	92	1	h3b	h3b	NOUN
emaj-167	92	2	:	:	PUNCT
emaj-167	92	3	perceived	perceive	VERB
emaj-167	92	4	risk	risk	NOUN
emaj-167	92	5	has	have	VERB
emaj-167	92	6	a	a	DET
emaj-167	92	7	positive	positive	ADJ
emaj-167	92	8	and	and	CCONJ
emaj-167	92	9	significant	significant	ADJ
emaj-167	92	10	effect	effect	NOUN
emaj-167	92	11	on	on	ADP
emaj-167	92	12	non	non	ADJ
emaj-167	92	13	-	-	NOUN
emaj-167	92	14	user	user	NOUN
emaj-167	92	15	’s	’s	PART
emaj-167	92	16	attitude	attitude	NOUN
emaj-167	92	17	towards	towards	ADP
emaj-167	92	18	the	the	DET
emaj-167	92	19	adoption	adoption	NOUN
emaj-167	92	20	of	of	ADP
emaj-167	92	21	mobile	mobile	ADJ
emaj-167	92	22	banking	banking	NOUN
emaj-167	92	23	.	.	PUNCT
emaj-167	93	1	compatibility	compatibility	NOUN
emaj-167	93	2	compatibility	compatibility	NOUN
emaj-167	93	3	can	can	AUX
emaj-167	93	4	be	be	AUX
emaj-167	93	5	defined	define	VERB
emaj-167	93	6	as	as	ADP
emaj-167	93	7	the	the	DET
emaj-167	93	8	extent	extent	NOUN
emaj-167	93	9	to	to	PART
emaj-167	93	10	which	which	PRON
emaj-167	93	11	innovation	innovation	NOUN
emaj-167	93	12	is	be	AUX
emaj-167	93	13	compatible	compatible	ADJ
emaj-167	93	14	with	with	ADP
emaj-167	93	15	the	the	DET
emaj-167	93	16	existing	exist	VERB
emaj-167	93	17	beliefs	belief	NOUN
emaj-167	93	18	and	and	CCONJ
emaj-167	93	19	values	value	NOUN
emaj-167	93	20	of	of	ADP
emaj-167	93	21	the	the	DET
emaj-167	93	22	user	user	NOUN
emaj-167	93	23	previous	previous	ADJ
emaj-167	93	24	experiences	experience	NOUN
emaj-167	93	25	and	and	CCONJ
emaj-167	93	26	habits	habit	NOUN
emaj-167	93	27	(	(	PUNCT
emaj-167	93	28	chen	chen	PROPN
emaj-167	93	29	and	and	CCONJ
emaj-167	93	30	tan	tan	PROPN
emaj-167	93	31	,	,	PUNCT
emaj-167	93	32	2004	2004	NUM
emaj-167	93	33	;	;	PUNCT
emaj-167	93	34	sohail	sohail	PROPN
emaj-167	93	35	and	and	CCONJ
emaj-167	93	36	al	al	PROPN
emaj-167	93	37	-	-	PUNCT
emaj-167	93	38	jabr	jabr	PROPN
emaj-167	93	39	,	,	PUNCT
emaj-167	93	40	2014	2014	NUM
emaj-167	93	41	)	)	PUNCT
emaj-167	93	42	.	.	PUNCT
emaj-167	94	1	among	among	ADP
emaj-167	94	2	those	those	DET
emaj-167	94	3	factors	factor	NOUN
emaj-167	94	4	that	that	PRON
emaj-167	94	5	shape	shape	VERB
emaj-167	94	6	individual‘s	individual‘s	NOUN
emaj-167	94	7	values	value	NOUN
emaj-167	94	8	and	and	CCONJ
emaj-167	94	9	beliefs	belief	NOUN
emaj-167	94	10	are	be	AUX
emaj-167	94	11	social	social	ADJ
emaj-167	94	12	norms	norm	NOUN
emaj-167	94	13	and	and	CCONJ
emaj-167	94	14	those	those	DET
emaj-167	94	15	products	product	NOUN
emaj-167	94	16	that	that	PRON
emaj-167	94	17	the	the	DET
emaj-167	94	18	extent	extent	NOUN
emaj-167	94	19	to	to	PART
emaj-167	94	20	volume	volume	VERB
emaj-167	94	21	9	9	NUM
emaj-167	94	22	no	no	DET
emaj-167	94	23	1	1	NUM
emaj-167	94	24	(	(	PUNCT
emaj-167	94	25	2019	2019	NUM
emaj-167	94	26	)	)	PUNCT
emaj-167	94	27	|	|	ADV
emaj-167	94	28	issn	issn	VERB
emaj-167	94	29	2158	2158	NUM
emaj-167	94	30	-	-	SYM
emaj-167	94	31	8708	8708	NUM
emaj-167	94	32	(	(	PUNCT
emaj-167	94	33	online	online	NOUN
emaj-167	94	34	)	)	PUNCT
emaj-167	94	35	|	|	ADV
emaj-167	94	36	doi	doi	X
emaj-167	94	37	10.5195	10.5195	NUM
emaj-167	94	38	/	/	SYM
emaj-167	94	39	emaj.2019.167	emaj.2019.167	NOUN
emaj-167	95	1	|	|	NOUN
emaj-167	95	2	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-167	95	3	factors	factor	NOUN
emaj-167	95	4	affecting	affect	VERB
emaj-167	95	5	attitudes	attitude	NOUN
emaj-167	95	6	towards	towards	ADP
emaj-167	95	7	adoption	adoption	NOUN
emaj-167	95	8	of	of	ADP
emaj-167	95	9	mobile	mobile	ADJ
emaj-167	95	10	banking	banking	NOUN
emaj-167	95	11	:	:	PUNCT
emaj-167	95	12	users	user	NOUN
emaj-167	95	13	and	and	CCONJ
emaj-167	95	14	non	non	NOUN
emaj-167	95	15	-	-	ADJ
emaj-167	95	16	users	user	NOUN
emaj-167	95	17	perspectives	perspective	NOUN
emaj-167	95	18	page	page	VERB
emaj-167	95	19	|56|	|56|	NOUN
emaj-167	95	20	emerging	emerge	VERB
emaj-167	95	21	markets	market	NOUN
emaj-167	95	22	journal	journal	NOUN
emaj-167	95	23	which	which	DET
emaj-167	95	24	products	product	NOUN
emaj-167	95	25	long	long	ADV
emaj-167	95	26	depend	depend	VERB
emaj-167	95	27	on	on	ADP
emaj-167	95	28	the	the	DET
emaj-167	95	29	fit	fit	NOUN
emaj-167	95	30	with	with	ADP
emaj-167	95	31	the	the	DET
emaj-167	95	32	trend	trend	NOUN
emaj-167	95	33	of	of	ADP
emaj-167	95	34	the	the	DET
emaj-167	95	35	society	society	NOUN
emaj-167	95	36	(	(	PUNCT
emaj-167	95	37	kotler	kotler	PROPN
emaj-167	95	38	and	and	CCONJ
emaj-167	95	39	keller	keller	PROPN
emaj-167	95	40	,	,	PUNCT
emaj-167	95	41	2012	2012	NUM
emaj-167	95	42	:	:	PUNCT
emaj-167	95	43	311	311	NUM
emaj-167	95	44	)	)	PUNCT
emaj-167	95	45	.	.	PUNCT
emaj-167	96	1	in	in	ADP
emaj-167	96	2	an	an	DET
emaj-167	96	3	empirical	empirical	ADJ
emaj-167	96	4	study	study	NOUN
emaj-167	96	5	,	,	PUNCT
emaj-167	96	6	riquelme	riquelme	NOUN
emaj-167	96	7	and	and	CCONJ
emaj-167	96	8	rios	rios	PROPN
emaj-167	96	9	(	(	PUNCT
emaj-167	96	10	2010	2010	NUM
emaj-167	96	11	)	)	PUNCT
emaj-167	96	12	found	find	VERB
emaj-167	96	13	that	that	SCONJ
emaj-167	96	14	social	social	ADJ
emaj-167	96	15	norms	norm	NOUN
emaj-167	96	16	(	(	PUNCT
emaj-167	96	17	including	include	VERB
emaj-167	96	18	families	family	NOUN
emaj-167	96	19	,	,	PUNCT
emaj-167	96	20	friends	friend	NOUN
emaj-167	96	21	,	,	PUNCT
emaj-167	96	22	etc	etc	X
emaj-167	96	23	.	.	X
emaj-167	96	24	)	)	PUNCT
emaj-167	96	25	have	have	VERB
emaj-167	96	26	a	a	DET
emaj-167	96	27	direct	direct	ADJ
emaj-167	96	28	influence	influence	NOUN
emaj-167	96	29	on	on	ADP
emaj-167	96	30	the	the	DET
emaj-167	96	31	adoption	adoption	NOUN
emaj-167	96	32	of	of	ADP
emaj-167	96	33	mobile	mobile	ADJ
emaj-167	96	34	banking	banking	NOUN
emaj-167	96	35	.	.	PUNCT
emaj-167	97	1	similarly	similarly	ADV
emaj-167	97	2	,	,	PUNCT
emaj-167	97	3	sohail	sohail	PROPN
emaj-167	97	4	and	and	CCONJ
emaj-167	97	5	al	al	PROPN
emaj-167	97	6	-	-	PUNCT
emaj-167	97	7	jabr	jabr	PROPN
emaj-167	97	8	(	(	PUNCT
emaj-167	97	9	2014	2014	NUM
emaj-167	97	10	)	)	PUNCT
emaj-167	97	11	found	find	VERB
emaj-167	97	12	that	that	SCONJ
emaj-167	97	13	compatibility	compatibility	NOUN
emaj-167	97	14	can	can	AUX
emaj-167	97	15	impact	impact	VERB
emaj-167	97	16	the	the	DET
emaj-167	97	17	adoption	adoption	NOUN
emaj-167	97	18	of	of	ADP
emaj-167	97	19	mobile	mobile	ADJ
emaj-167	97	20	banking	banking	NOUN
emaj-167	97	21	.	.	PUNCT
emaj-167	98	1	besides	besides	SCONJ
emaj-167	98	2	,	,	PUNCT
emaj-167	98	3	kotler	kotler	PROPN
emaj-167	98	4	and	and	CCONJ
emaj-167	98	5	keller	keller	PROPN
emaj-167	98	6	(	(	PUNCT
emaj-167	98	7	2012	2012	NUM
emaj-167	98	8	:	:	PUNCT
emaj-167	98	9	153	153	NUM
emaj-167	98	10	)	)	PUNCT
emaj-167	98	11	stated	state	VERB
emaj-167	98	12	that	that	SCONJ
emaj-167	98	13	reference	reference	NOUN
emaj-167	98	14	groups	group	NOUN
emaj-167	98	15	can	can	AUX
emaj-167	98	16	influence	influence	VERB
emaj-167	98	17	individuals	individual	NOUN
emaj-167	98	18	‘	‘	PART
emaj-167	98	19	attitude	attitude	NOUN
emaj-167	98	20	or	or	CCONJ
emaj-167	98	21	behavior	behavior	NOUN
emaj-167	98	22	directly	directly	ADV
emaj-167	98	23	or	or	CCONJ
emaj-167	98	24	indirectly	indirectly	ADV
emaj-167	98	25	.	.	PUNCT
emaj-167	99	1	chawla	chawla	PROPN
emaj-167	99	2	and	and	CCONJ
emaj-167	99	3	joshi	joshi	PROPN
emaj-167	99	4	(	(	PUNCT
emaj-167	99	5	2017	2017	NUM
emaj-167	99	6	)	)	PUNCT
emaj-167	99	7	corroborated	corroborate	VERB
emaj-167	99	8	that	that	SCONJ
emaj-167	99	9	perceived	perceive	VERB
emaj-167	99	10	lifestyle	lifestyle	NOUN
emaj-167	99	11	compatibility	compatibility	NOUN
emaj-167	99	12	is	be	AUX
emaj-167	99	13	one	one	NUM
emaj-167	99	14	of	of	ADP
emaj-167	99	15	the	the	DET
emaj-167	99	16	most	most	ADV
emaj-167	99	17	important	important	ADJ
emaj-167	99	18	predictors	predictor	NOUN
emaj-167	99	19	of	of	ADP
emaj-167	99	20	attitude	attitude	NOUN
emaj-167	99	21	and	and	CCONJ
emaj-167	99	22	intention	intention	NOUN
emaj-167	99	23	of	of	ADP
emaj-167	99	24	mobile	mobile	ADJ
emaj-167	99	25	banking	banking	NOUN
emaj-167	99	26	adoption	adoption	NOUN
emaj-167	99	27	.	.	PUNCT
emaj-167	100	1	lin	lin	PROPN
emaj-167	100	2	(	(	PUNCT
emaj-167	100	3	2011	2011	NUM
emaj-167	100	4	)	)	PUNCT
emaj-167	100	5	asserted	assert	VERB
emaj-167	100	6	that	that	SCONJ
emaj-167	100	7	the	the	DET
emaj-167	100	8	congruence	congruence	NOUN
emaj-167	100	9	in	in	ADP
emaj-167	100	10	lifestyle	lifestyle	NOUN
emaj-167	100	11	as	as	ADP
emaj-167	100	12	an	an	DET
emaj-167	100	13	important	important	ADJ
emaj-167	100	14	factor	factor	NOUN
emaj-167	100	15	affecting	affect	VERB
emaj-167	100	16	user	user	NOUN
emaj-167	100	17	attraction	attraction	NOUN
emaj-167	100	18	towards	towards	ADP
emaj-167	100	19	technology	technology	NOUN
emaj-167	100	20	-	-	PUNCT
emaj-167	100	21	oriented	orient	VERB
emaj-167	100	22	services	service	NOUN
emaj-167	100	23	.	.	PUNCT
emaj-167	101	1	h4a	h4a	NOUN
emaj-167	101	2	:	:	PUNCT
emaj-167	101	3	compatibility	compatibility	NOUN
emaj-167	101	4	has	have	VERB
emaj-167	101	5	a	a	DET
emaj-167	101	6	positive	positive	ADJ
emaj-167	101	7	and	and	CCONJ
emaj-167	101	8	significant	significant	ADJ
emaj-167	101	9	effect	effect	NOUN
emaj-167	101	10	on	on	ADP
emaj-167	101	11	users	user	NOUN
emaj-167	101	12	’	'	PUNCT
emaj-167	101	13	attitude	attitude	NOUN
emaj-167	101	14	towards	towards	ADP
emaj-167	101	15	the	the	DET
emaj-167	101	16	adoption	adoption	NOUN
emaj-167	101	17	of	of	ADP
emaj-167	101	18	mobile	mobile	ADJ
emaj-167	101	19	banking	banking	NOUN
emaj-167	101	20	.	.	PUNCT
emaj-167	102	1	h4b	h4b	NOUN
emaj-167	102	2	:	:	PUNCT
emaj-167	102	3	compatibility	compatibility	NOUN
emaj-167	102	4	has	have	VERB
emaj-167	102	5	a	a	DET
emaj-167	102	6	positive	positive	ADJ
emaj-167	102	7	and	and	CCONJ
emaj-167	102	8	significant	significant	ADJ
emaj-167	102	9	effect	effect	NOUN
emaj-167	102	10	on	on	ADP
emaj-167	102	11	non	non	NOUN
emaj-167	102	12	-	-	ADJ
emaj-167	102	13	users	user	NOUN
emaj-167	102	14	’	'	PUNCT
emaj-167	102	15	attitude	attitude	NOUN
emaj-167	102	16	towards	towards	ADP
emaj-167	102	17	the	the	DET
emaj-167	102	18	adoption	adoption	NOUN
emaj-167	102	19	of	of	ADP
emaj-167	102	20	mobile	mobile	ADJ
emaj-167	102	21	banking	banking	NOUN
emaj-167	102	22	.	.	PUNCT
emaj-167	103	1	relative	relative	ADJ
emaj-167	103	2	advantage	advantage	NOUN
emaj-167	103	3	williamson	williamson	NOUN
emaj-167	103	4	(	(	PUNCT
emaj-167	103	5	2007	2007	NUM
emaj-167	103	6	)	)	PUNCT
emaj-167	103	7	stated	state	VERB
emaj-167	103	8	that	that	SCONJ
emaj-167	103	9	human	human	ADJ
emaj-167	103	10	agents	agent	NOUN
emaj-167	103	11	are	be	AUX
emaj-167	103	12	intendedly	intendedly	ADV
emaj-167	103	13	rational	rational	ADJ
emaj-167	103	14	even	even	ADV
emaj-167	103	15	if	if	SCONJ
emaj-167	103	16	their	their	PRON
emaj-167	103	17	rationality	rationality	NOUN
emaj-167	103	18	is	be	AUX
emaj-167	103	19	bounded	bound	VERB
emaj-167	103	20	.	.	PUNCT
emaj-167	104	1	thus	thus	ADV
emaj-167	104	2	,	,	PUNCT
emaj-167	104	3	rational	rational	ADJ
emaj-167	104	4	agents	agent	NOUN
emaj-167	104	5	seek	seek	VERB
emaj-167	104	6	comparative	comparative	ADJ
emaj-167	104	7	benefits	benefit	NOUN
emaj-167	104	8	by	by	ADP
emaj-167	104	9	comparing	compare	VERB
emaj-167	104	10	alternative	alternative	ADJ
emaj-167	104	11	services	service	NOUN
emaj-167	104	12	(	(	PUNCT
emaj-167	104	13	here	here	ADV
emaj-167	104	14	in	in	ADP
emaj-167	104	15	this	this	DET
emaj-167	104	16	case	case	NOUN
emaj-167	104	17	as	as	ADP
emaj-167	104	18	mobile	mobile	ADJ
emaj-167	104	19	banking	banking	NOUN
emaj-167	104	20	instead	instead	ADV
emaj-167	104	21	of	of	ADP
emaj-167	104	22	other	other	ADJ
emaj-167	104	23	distribution	distribution	NOUN
emaj-167	104	24	channels	channel	NOUN
emaj-167	104	25	)	)	PUNCT
emaj-167	104	26	and	and	CCONJ
emaj-167	104	27	opportunity	opportunity	NOUN
emaj-167	104	28	costs	cost	NOUN
emaj-167	104	29	.	.	PUNCT
emaj-167	105	1	in	in	ADP
emaj-167	105	2	an	an	DET
emaj-167	105	3	empirical	empirical	ADJ
emaj-167	105	4	study	study	NOUN
emaj-167	105	5	,	,	PUNCT
emaj-167	105	6	shareef	shareef	PROPN
emaj-167	105	7	et	et	PROPN
emaj-167	105	8	al	al	PROPN
emaj-167	105	9	(	(	PUNCT
emaj-167	105	10	2018	2018	NUM
emaj-167	105	11	)	)	PUNCT
emaj-167	105	12	finding	finding	NOUN
emaj-167	105	13	indicates	indicate	VERB
emaj-167	105	14	that	that	SCONJ
emaj-167	105	15	functional	functional	ADJ
emaj-167	105	16	benefit	benefit	NOUN
emaj-167	105	17	found	find	VERB
emaj-167	105	18	to	to	PART
emaj-167	105	19	be	be	AUX
emaj-167	105	20	the	the	DET
emaj-167	105	21	strongest	strong	ADJ
emaj-167	105	22	predictor	predictor	NOUN
emaj-167	105	23	of	of	ADP
emaj-167	105	24	user	user	NOUN
emaj-167	105	25	adoption	adoption	NOUN
emaj-167	105	26	of	of	ADP
emaj-167	105	27	mobile	mobile	ADJ
emaj-167	105	28	banking	banking	NOUN
emaj-167	105	29	.	.	PUNCT
emaj-167	106	1	shareef	shareef	PROPN
emaj-167	106	2	et	et	PROPN
emaj-167	106	3	al	al	PROPN
emaj-167	106	4	.	.	PROPN
emaj-167	106	5	(	(	PUNCT
emaj-167	106	6	2008	2008	NUM
emaj-167	106	7	)	)	PUNCT
emaj-167	106	8	defined	define	VERB
emaj-167	106	9	perceived	perceive	VERB
emaj-167	106	10	functional	functional	ADJ
emaj-167	106	11	benefit	benefit	NOUN
emaj-167	106	12	as	as	ADP
emaj-167	106	13	―the	―the	DET
emaj-167	106	14	degree	degree	NOUN
emaj-167	106	15	to	to	PART
emaj-167	106	16	which	which	PRON
emaj-167	106	17	consumers	consumer	NOUN
emaj-167	106	18	perceive	perceive	VERB
emaj-167	106	19	the	the	DET
emaj-167	106	20	overall	overall	ADJ
emaj-167	106	21	functional	functional	ADJ
emaj-167	106	22	benefits	benefit	NOUN
emaj-167	106	23	,	,	PUNCT
emaj-167	106	24	both	both	CCONJ
emaj-167	106	25	absolute	absolute	ADJ
emaj-167	106	26	and	and	CCONJ
emaj-167	106	27	relative	relative	ADJ
emaj-167	106	28	—	—	PUNCT
emaj-167	106	29	including	include	VERB
emaj-167	106	30	cost	cost	NOUN
emaj-167	106	31	,	,	PUNCT
emaj-167	106	32	time	time	NOUN
emaj-167	106	33	,	,	PUNCT
emaj-167	106	34	efficiency	efficiency	NOUN
emaj-167	106	35	,	,	PUNCT
emaj-167	106	36	and	and	CCONJ
emaj-167	106	37	effectiveness	effectiveness	NOUN
emaj-167	106	38	of	of	ADP
emaj-167	106	39	using	use	VERB
emaj-167	106	40	mobile	mobile	ADJ
emaj-167	106	41	banking	banking	NOUN
emaj-167	106	42	system	system	NOUN
emaj-167	106	43	—	—	PUNCT
emaj-167	106	44	instead	instead	ADV
emaj-167	106	45	of	of	ADP
emaj-167	106	46	using	use	VERB
emaj-167	106	47	traditional	traditional	ADJ
emaj-167	106	48	physical	physical	ADJ
emaj-167	106	49	office	office	NOUN
emaj-167	106	50	functions‖.	functions‖.	NUM
emaj-167	106	51	it	it	PRON
emaj-167	106	52	is	be	AUX
emaj-167	106	53	explained	explain	VERB
emaj-167	106	54	in	in	ADP
emaj-167	106	55	extant	extant	ADJ
emaj-167	106	56	literature	literature	NOUN
emaj-167	106	57	with	with	ADP
emaj-167	106	58	different	different	ADJ
emaj-167	106	59	names	name	NOUN
emaj-167	106	60	like	like	ADP
emaj-167	106	61	perceived	perceive	VERB
emaj-167	106	62	benefit	benefit	NOUN
emaj-167	106	63	(	(	PUNCT
emaj-167	106	64	lin	lin	PROPN
emaj-167	106	65	,	,	PUNCT
emaj-167	106	66	2011	2011	NUM
emaj-167	106	67	;	;	PUNCT
emaj-167	107	1	akturan	akturan	VERB
emaj-167	107	2	and	and	CCONJ
emaj-167	107	3	tezcan	tezcan	ADJ
emaj-167	107	4	,	,	PUNCT
emaj-167	107	5	2012	2012	NUM
emaj-167	107	6	)	)	PUNCT
emaj-167	107	7	;	;	PUNCT
emaj-167	108	1	perceived	perceive	VERB
emaj-167	108	2	efficiency	efficiency	NOUN
emaj-167	108	3	(	(	PUNCT
emaj-167	108	4	chawla	chawla	PROPN
emaj-167	108	5	and	and	CCONJ
emaj-167	108	6	joshi	joshi	PROPN
emaj-167	108	7	,	,	PUNCT
emaj-167	108	8	2017	2017	NUM
emaj-167	108	9	)	)	PUNCT
emaj-167	108	10	;	;	PUNCT
emaj-167	108	11	relative	relative	ADJ
emaj-167	108	12	advantage	advantage	NOUN
emaj-167	108	13	(	(	PUNCT
emaj-167	108	14	sohail	sohail	PROPN
emaj-167	108	15	and	and	CCONJ
emaj-167	108	16	al	al	PROPN
emaj-167	108	17	-	-	PUNCT
emaj-167	108	18	jabr	jabr	PROPN
emaj-167	108	19	,	,	PUNCT
emaj-167	108	20	2014	2014	NUM
emaj-167	108	21	)	)	PUNCT
emaj-167	108	22	.	.	PUNCT
emaj-167	109	1	all	all	DET
emaj-167	109	2	these	these	DET
emaj-167	109	3	concepts	concept	NOUN
emaj-167	109	4	in	in	ADP
emaj-167	109	5	their	their	PRON
emaj-167	109	6	respective	respective	ADJ
emaj-167	109	7	studies	study	NOUN
emaj-167	109	8	underlined	underline	VERB
emaj-167	109	9	about	about	ADP
emaj-167	109	10	the	the	DET
emaj-167	109	11	economic	economic	ADJ
emaj-167	109	12	benefit	benefit	NOUN
emaj-167	109	13	functions	function	NOUN
emaj-167	109	14	mobile	mobile	PROPN
emaj-167	109	15	bank	bank	PROPN
emaj-167	109	16	fulfills	fulfill	NOUN
emaj-167	109	17	,	,	PUNCT
emaj-167	109	18	and	and	CCONJ
emaj-167	109	19	relative	relative	ADJ
emaj-167	109	20	efficiency	efficiency	NOUN
emaj-167	109	21	mobile	mobile	PROPN
emaj-167	109	22	bank	bank	NOUN
emaj-167	109	23	provides	provide	VERB
emaj-167	109	24	to	to	ADP
emaj-167	109	25	the	the	DET
emaj-167	109	26	user	user	NOUN
emaj-167	109	27	in	in	ADP
emaj-167	109	28	comparison	comparison	NOUN
emaj-167	109	29	to	to	ADP
emaj-167	109	30	predecessors	predecessor	NOUN
emaj-167	109	31	(	(	PUNCT
emaj-167	109	32	see	see	VERB
emaj-167	109	33	also	also	ADV
emaj-167	109	34	rogers	roger	NOUN
emaj-167	109	35	,	,	PUNCT
emaj-167	109	36	2003	2003	NUM
emaj-167	109	37	)	)	PUNCT
emaj-167	109	38	.	.	PUNCT
emaj-167	110	1	h5a	h5a	NOUN
emaj-167	110	2	:	:	PUNCT
emaj-167	110	3	relative	relative	ADJ
emaj-167	110	4	advantage	advantage	NOUN
emaj-167	110	5	has	have	VERB
emaj-167	110	6	a	a	DET
emaj-167	110	7	positive	positive	ADJ
emaj-167	110	8	and	and	CCONJ
emaj-167	110	9	significant	significant	ADJ
emaj-167	110	10	effect	effect	NOUN
emaj-167	110	11	on	on	ADP
emaj-167	110	12	users	user	NOUN
emaj-167	110	13	attitude	attitude	NOUN
emaj-167	110	14	towards	towards	ADP
emaj-167	110	15	mobile	mobile	NOUN
emaj-167	110	16	the	the	DET
emaj-167	110	17	adoption	adoption	NOUN
emaj-167	110	18	of	of	ADP
emaj-167	110	19	banking	banking	NOUN
emaj-167	110	20	.	.	PUNCT
emaj-167	111	1	h5b	h5b	ADJ
emaj-167	111	2	:	:	PUNCT
emaj-167	111	3	relative	relative	ADJ
emaj-167	111	4	advantage	advantage	NOUN
emaj-167	111	5	has	have	VERB
emaj-167	111	6	a	a	DET
emaj-167	111	7	positive	positive	ADJ
emaj-167	111	8	and	and	CCONJ
emaj-167	111	9	significant	significant	ADJ
emaj-167	111	10	effect	effect	NOUN
emaj-167	111	11	on	on	ADP
emaj-167	111	12	users	user	NOUN
emaj-167	111	13	attitude	attitude	NOUN
emaj-167	111	14	towards	towards	ADP
emaj-167	111	15	mobile	mobile	NOUN
emaj-167	111	16	the	the	DET
emaj-167	111	17	adoption	adoption	NOUN
emaj-167	111	18	of	of	ADP
emaj-167	111	19	banking	banking	NOUN
emaj-167	111	20	.	.	PUNCT
emaj-167	112	1	demographics	demographic	NOUN
emaj-167	112	2	extant	extant	ADJ
emaj-167	112	3	literature	literature	PROPN
emaj-167	112	4	indicates	indicate	VERB
emaj-167	112	5	that	that	SCONJ
emaj-167	112	6	there	there	PRON
emaj-167	112	7	is	be	VERB
emaj-167	112	8	a	a	DET
emaj-167	112	9	significant	significant	ADJ
emaj-167	112	10	difference	difference	NOUN
emaj-167	112	11	between	between	ADP
emaj-167	112	12	groups	group	NOUN
emaj-167	112	13	of	of	ADP
emaj-167	112	14	demographic	demographic	ADJ
emaj-167	112	15	characteristics	characteristic	NOUN
emaj-167	112	16	(	(	PUNCT
emaj-167	112	17	age	age	NOUN
emaj-167	112	18	,	,	PUNCT
emaj-167	112	19	gender	gender	NOUN
emaj-167	112	20	,	,	PUNCT
emaj-167	112	21	education	education	NOUN
emaj-167	112	22	,	,	PUNCT
emaj-167	112	23	income	income	NOUN
emaj-167	112	24	,	,	PUNCT
emaj-167	112	25	occupation	occupation	NOUN
emaj-167	112	26	,	,	PUNCT
emaj-167	112	27	so	so	ADV
emaj-167	112	28	on	on	ADV
emaj-167	112	29	)	)	PUNCT
emaj-167	112	30	and	and	CCONJ
emaj-167	112	31	attitude	attitude	NOUN
emaj-167	112	32	and	and	CCONJ
emaj-167	112	33	intention	intention	NOUN
emaj-167	112	34	towards	towards	ADP
emaj-167	112	35	the	the	DET
emaj-167	112	36	use	use	NOUN
emaj-167	112	37	of	of	ADP
emaj-167	112	38	mobile	mobile	ADJ
emaj-167	112	39	banking	banking	NOUN
emaj-167	112	40	(	(	PUNCT
emaj-167	112	41	chawla	chawla	PROPN
emaj-167	112	42	and	and	CCONJ
emaj-167	112	43	joshi	joshi	PROPN
emaj-167	112	44	,	,	PUNCT
emaj-167	112	45	2017	2017	NUM
emaj-167	112	46	)	)	PUNCT
emaj-167	112	47	.	.	PUNCT
emaj-167	113	1	laforet	laforet	PROPN
emaj-167	113	2	and	and	CCONJ
emaj-167	113	3	li	li	PROPN
emaj-167	113	4	(	(	PUNCT
emaj-167	113	5	2005	2005	NUM
emaj-167	113	6	)	)	PUNCT
emaj-167	113	7	found	find	VERB
emaj-167	113	8	that	that	SCONJ
emaj-167	113	9	males	male	NOUN
emaj-167	113	10	,	,	PUNCT
emaj-167	113	11	young	young	ADJ
emaj-167	113	12	age	age	NOUN
emaj-167	113	13	,	,	PUNCT
emaj-167	113	14	and	and	CCONJ
emaj-167	113	15	highly	highly	ADV
emaj-167	113	16	educated	educate	VERB
emaj-167	113	17	are	be	AUX
emaj-167	113	18	predominant	predominant	ADJ
emaj-167	113	19	users	user	NOUN
emaj-167	113	20	of	of	ADP
emaj-167	113	21	mobile	mobile	ADJ
emaj-167	113	22	and	and	CCONJ
emaj-167	113	23	online	online	ADJ
emaj-167	113	24	banking	banking	NOUN
emaj-167	113	25	.	.	PUNCT
emaj-167	114	1	similarly	similarly	ADV
emaj-167	114	2	,	,	PUNCT
emaj-167	114	3	kolodinsky	kolodinsky	PROPN
emaj-167	114	4	,	,	PUNCT
emaj-167	114	5	hogarth	hogarth	NOUN
emaj-167	114	6	,	,	PUNCT
emaj-167	114	7	and	and	CCONJ
emaj-167	114	8	hilgert	hilgert	PROPN
emaj-167	114	9	(	(	PUNCT
emaj-167	114	10	2004	2004	NUM
emaj-167	114	11	)	)	PUNCT
emaj-167	114	12	found	find	VERB
emaj-167	114	13	that	that	SCONJ
emaj-167	114	14	demographic	demographic	ADJ
emaj-167	114	15	variables	variable	NOUN
emaj-167	114	16	of	of	ADP
emaj-167	114	17	income	income	NOUN
emaj-167	114	18	,	,	PUNCT
emaj-167	114	19	assets	asset	NOUN
emaj-167	114	20	,	,	PUNCT
emaj-167	114	21	age	age	NOUN
emaj-167	114	22	,	,	PUNCT
emaj-167	114	23	marital	marital	ADJ
emaj-167	114	24	status	status	NOUN
emaj-167	114	25	,	,	PUNCT
emaj-167	114	26	education	education	NOUN
emaj-167	114	27	,	,	PUNCT
emaj-167	114	28	and	and	CCONJ
emaj-167	114	29	gender	gender	NOUN
emaj-167	114	30	can	can	AUX
emaj-167	114	31	affect	affect	VERB
emaj-167	114	32	adoption	adoption	NOUN
emaj-167	114	33	or	or	CCONJ
emaj-167	114	34	intention	intention	NOUN
emaj-167	114	35	in	in	ADP
emaj-167	114	36	electronic	electronic	ADJ
emaj-167	114	37	banking	banking	NOUN
emaj-167	114	38	technologies	technology	NOUN
emaj-167	114	39	over	over	ADP
emaj-167	114	40	time	time	NOUN
emaj-167	114	41	.	.	PUNCT
emaj-167	115	1	akinci	akinci	PROPN
emaj-167	115	2	,	,	PUNCT
emaj-167	115	3	aksoy	aksoy	NOUN
emaj-167	115	4	,	,	PUNCT
emaj-167	115	5	and	and	CCONJ
emaj-167	115	6	atilgan	atilgan	NOUN
emaj-167	115	7	(	(	PUNCT
emaj-167	115	8	2004	2004	NUM
emaj-167	115	9	)	)	PUNCT
emaj-167	115	10	findings	finding	NOUN
emaj-167	115	11	indicated	indicate	VERB
emaj-167	115	12	that	that	SCONJ
emaj-167	115	13	males	male	NOUN
emaj-167	115	14	,	,	PUNCT
emaj-167	115	15	middle	middle	ADJ
emaj-167	115	16	-	-	PUNCT
emaj-167	115	17	aged	aged	ADJ
emaj-167	115	18	adults	adult	NOUN
emaj-167	115	19	,	,	PUNCT
emaj-167	115	20	educated	educate	VERB
emaj-167	115	21	persons	person	NOUN
emaj-167	115	22	were	be	AUX
emaj-167	115	23	users	user	NOUN
emaj-167	115	24	of	of	ADP
emaj-167	115	25	internet	internet	NOUN
emaj-167	115	26	banking	banking	NOUN
emaj-167	115	27	.	.	PUNCT
emaj-167	116	1	again	again	ADV
emaj-167	116	2	,	,	PUNCT
emaj-167	116	3	shareef	shareef	PROPN
emaj-167	116	4	et	et	PROPN
emaj-167	116	5	al	al	PROPN
emaj-167	116	6	.	.	PROPN
emaj-167	117	1	(	(	PUNCT
emaj-167	117	2	2018	2018	NUM
emaj-167	117	3	)	)	PUNCT
emaj-167	117	4	finding	find	VERB
emaj-167	117	5	corroborated	corroborate	VERB
emaj-167	117	6	that	that	SCONJ
emaj-167	117	7	middleaged	middleaged	ADJ
emaj-167	117	8	,	,	PUNCT
emaj-167	117	9	highly	highly	ADV
emaj-167	117	10	educated	educate	VERB
emaj-167	117	11	,	,	PUNCT
emaj-167	117	12	males	male	NOUN
emaj-167	117	13	are	be	AUX
emaj-167	117	14	predominant	predominant	ADJ
emaj-167	117	15	users	user	NOUN
emaj-167	117	16	of	of	ADP
emaj-167	117	17	mobile	mobile	ADJ
emaj-167	117	18	banking	banking	NOUN
emaj-167	117	19	and	and	CCONJ
emaj-167	117	20	have	have	VERB
emaj-167	117	21	more	more	ADJ
emaj-167	117	22	tendency	tendency	NOUN
emaj-167	117	23	to	to	ADP
emaj-167	117	24	the	the	DET
emaj-167	117	25	adoption	adoption	NOUN
emaj-167	117	26	of	of	ADP
emaj-167	117	27	new	new	ADJ
emaj-167	117	28	technology	technology	NOUN
emaj-167	117	29	.	.	PUNCT
emaj-167	118	1	h6	h6	NOUN
emaj-167	118	2	:	:	PUNCT
emaj-167	118	3	there	there	PRON
emaj-167	118	4	is	be	VERB
emaj-167	118	5	a	a	DET
emaj-167	118	6	difference	difference	NOUN
emaj-167	118	7	between	between	ADP
emaj-167	118	8	across	across	ADP
emaj-167	118	9	genders	gender	NOUN
emaj-167	118	10	on	on	ADP
emaj-167	118	11	the	the	DET
emaj-167	118	12	adoption	adoption	NOUN
emaj-167	118	13	of	of	ADP
emaj-167	118	14	mobile	mobile	ADJ
emaj-167	118	15	banking	banking	NOUN
emaj-167	118	16	.	.	PUNCT
emaj-167	119	1	attitude	attitude	NOUN
emaj-167	119	2	fishbein	fishbein	PROPN
emaj-167	119	3	and	and	CCONJ
emaj-167	119	4	azjein	azjein	ADV
emaj-167	119	5	(	(	PUNCT
emaj-167	119	6	1975	1975	NUM
emaj-167	119	7	)	)	PUNCT
emaj-167	119	8	defined	define	VERB
emaj-167	119	9	―attitude‖	―attitude‖	PROPN
emaj-167	119	10	as	as	ADP
emaj-167	119	11	an	an	DET
emaj-167	119	12	individual‘s	individual‘s	NOUN
emaj-167	119	13	positive	positive	ADJ
emaj-167	119	14	or	or	CCONJ
emaj-167	119	15	negative	negative	ADJ
emaj-167	119	16	feelings	feeling	NOUN
emaj-167	119	17	about	about	ADP
emaj-167	119	18	performing	perform	VERB
emaj-167	119	19	a	a	DET
emaj-167	119	20	target	target	NOUN
emaj-167	119	21	behavior	behavior	NOUN
emaj-167	119	22	.	.	PUNCT
emaj-167	120	1	davis	davis	PROPN
emaj-167	120	2	(	(	PUNCT
emaj-167	120	3	1989	1989	NUM
emaj-167	120	4	)	)	PUNCT
emaj-167	120	5	pointed	point	VERB
emaj-167	120	6	out	out	ADP
emaj-167	120	7	that	that	SCONJ
emaj-167	120	8	,	,	PUNCT
emaj-167	120	9	the	the	DET
emaj-167	120	10	attitude	attitude	NOUN
emaj-167	120	11	of	of	ADP
emaj-167	120	12	user	user	NOUN
emaj-167	120	13	has	have	VERB
emaj-167	120	14	a	a	DET
emaj-167	120	15	relationship	relationship	NOUN
emaj-167	120	16	with	with	ADP
emaj-167	120	17	it	it	PRON
emaj-167	120	18	usage	usage	NOUN
emaj-167	120	19	.	.	PUNCT
emaj-167	121	1	the	the	DET
emaj-167	121	2	behavioral	behavioral	ADJ
emaj-167	121	3	orientation	orientation	NOUN
emaj-167	121	4	of	of	ADP
emaj-167	121	5	the	the	DET
emaj-167	121	6	user	user	NOUN
emaj-167	121	7	is	be	AUX
emaj-167	121	8	heavily	heavily	ADV
emaj-167	121	9	dependent	dependent	ADJ
emaj-167	121	10	on	on	ADP
emaj-167	121	11	the	the	DET
emaj-167	121	12	favorable	favorable	ADJ
emaj-167	121	13	attitude	attitude	NOUN
emaj-167	121	14	of	of	ADP
emaj-167	121	15	the	the	DET
emaj-167	121	16	user	user	NOUN
emaj-167	121	17	towards	towards	ADP
emaj-167	121	18	the	the	DET
emaj-167	121	19	product	product	NOUN
emaj-167	121	20	.	.	PUNCT
emaj-167	122	1	rogers	rogers	PROPN
emaj-167	122	2	(	(	PUNCT
emaj-167	122	3	2003	2003	NUM
emaj-167	122	4	)	)	PUNCT
emaj-167	122	5	developed	develop	VERB
emaj-167	122	6	the	the	DET
emaj-167	122	7	diffusion	diffusion	NOUN
emaj-167	122	8	of	of	ADP
emaj-167	122	9	innovation	innovation	NOUN
emaj-167	122	10	theory	theory	NOUN
emaj-167	122	11	and	and	CCONJ
emaj-167	122	12	identified	identify	VERB
emaj-167	122	13	factors	factor	NOUN
emaj-167	122	14	that	that	PRON
emaj-167	122	15	can	can	AUX
emaj-167	122	16	influence	influence	VERB
emaj-167	122	17	how	how	SCONJ
emaj-167	122	18	the	the	DET
emaj-167	122	19	products	product	NOUN
emaj-167	122	20	are	be	AUX
emaj-167	122	21	adopted	adopt	VERB
emaj-167	122	22	by	by	ADP
emaj-167	122	23	users	user	NOUN
emaj-167	122	24	.	.	PUNCT
emaj-167	123	1	in	in	ADP
emaj-167	123	2	one	one	NUM
emaj-167	123	3	of	of	ADP
emaj-167	123	4	the	the	DET
emaj-167	123	5	classic	classic	ADJ
emaj-167	123	6	studies	study	NOUN
emaj-167	123	7	,	,	PUNCT
emaj-167	123	8	davis	davis	PROPN
emaj-167	123	9	(	(	PUNCT
emaj-167	123	10	2003	2003	NUM
emaj-167	123	11	)	)	PUNCT
emaj-167	123	12	developed	develop	VERB
emaj-167	123	13	a	a	DET
emaj-167	123	14	technology	technology	NOUN
emaj-167	123	15	adoption	adoption	NOUN
emaj-167	123	16	model	model	NOUN
emaj-167	123	17	which	which	PRON
emaj-167	123	18	involves	involve	VERB
emaj-167	123	19	user	user	NOUN
emaj-167	123	20	adoption	adoption	NOUN
emaj-167	123	21	of	of	ADP
emaj-167	123	22	innovation	innovation	NOUN
emaj-167	123	23	and	and	CCONJ
emaj-167	123	24	behavioral	behavioral	ADJ
emaj-167	123	25	intention	intention	NOUN
emaj-167	123	26	.	.	PUNCT
emaj-167	124	1	extant	extant	ADJ
emaj-167	124	2	literature	literature	NOUN
emaj-167	124	3	about	about	ADP
emaj-167	124	4	the	the	DET
emaj-167	124	5	study	study	NOUN
emaj-167	124	6	of	of	ADP
emaj-167	124	7	attitude	attitude	NOUN
emaj-167	124	8	towards	towards	ADP
emaj-167	124	9	a	a	DET
emaj-167	124	10	given	give	VERB
emaj-167	124	11	product	product	NOUN
emaj-167	124	12	is	be	AUX
emaj-167	124	13	analyzed	analyze	VERB
emaj-167	124	14	for	for	ADP
emaj-167	124	15	various	various	ADJ
emaj-167	124	16	types	type	NOUN
emaj-167	124	17	of	of	ADP
emaj-167	124	18	products	product	NOUN
emaj-167	124	19	like	like	ADP
emaj-167	124	20	computers	computer	NOUN
emaj-167	124	21	,	,	PUNCT
emaj-167	124	22	stores	store	NOUN
emaj-167	124	23	,	,	PUNCT
emaj-167	124	24	internet	internet	NOUN
emaj-167	124	25	banking	banking	NOUN
emaj-167	124	26	,	,	PUNCT
emaj-167	124	27	mobile	mobile	ADJ
emaj-167	124	28	banking	banking	NOUN
emaj-167	124	29	,	,	PUNCT
emaj-167	124	30	and	and	CCONJ
emaj-167	124	31	so	so	ADV
emaj-167	124	32	on	on	ADV
emaj-167	124	33	.	.	PUNCT
emaj-167	125	1	most	most	ADJ
emaj-167	125	2	of	of	ADP
emaj-167	125	3	these	these	DET
emaj-167	125	4	studies	study	NOUN
emaj-167	125	5	embraced	embrace	VERB
emaj-167	125	6	perceived	perceive	VERB
emaj-167	125	7	usefulness	usefulness	NOUN
emaj-167	125	8	,	,	PUNCT
emaj-167	125	9	compatibility	compatibility	NOUN
emaj-167	125	10	,	,	PUNCT
emaj-167	125	11	and	and	CCONJ
emaj-167	125	12	ease	ease	NOUN
emaj-167	125	13	of	of	ADP
emaj-167	125	14	use	use	NOUN
emaj-167	125	15	to	to	PART
emaj-167	125	16	measure	measure	VERB
emaj-167	125	17	the	the	DET
emaj-167	125	18	attitude	attitude	NOUN
emaj-167	125	19	of	of	ADP
emaj-167	125	20	user	user	NOUN
emaj-167	125	21	towards	towards	ADP
emaj-167	125	22	a	a	DET
emaj-167	125	23	given	give	VERB
emaj-167	125	24	innovation	innovation	NOUN
emaj-167	125	25	(	(	PUNCT
emaj-167	125	26	taylor	taylor	PROPN
emaj-167	125	27	and	and	CCONJ
emaj-167	125	28	todd	todd	NOUN
emaj-167	125	29	,	,	PUNCT
emaj-167	125	30	1995	1995	NUM
emaj-167	125	31	;	;	PUNCT
emaj-167	125	32	davis	davis	PROPN
emaj-167	125	33	,	,	PUNCT
emaj-167	125	34	1989	1989	NUM
emaj-167	125	35	;	;	PUNCT
emaj-167	125	36	sohail	sohail	PROPN
emaj-167	125	37	and	and	CCONJ
emaj-167	125	38	aljabr	aljabr	NOUN
emaj-167	125	39	,	,	PUNCT
emaj-167	125	40	2014	2014	NUM
emaj-167	125	41	;	;	PUNCT
emaj-167	125	42	chawla	chawla	PROPN
emaj-167	125	43	and	and	CCONJ
emaj-167	125	44	joshi	joshi	PROPN
emaj-167	125	45	;	;	PUNCT
emaj-167	125	46	2017	2017	NUM
emaj-167	125	47	)	)	PUNCT
emaj-167	125	48	.	.	PUNCT
emaj-167	126	1	moreover	moreover	ADV
emaj-167	126	2	,	,	PUNCT
emaj-167	126	3	a	a	DET
emaj-167	126	4	host	host	NOUN
emaj-167	126	5	of	of	ADP
emaj-167	126	6	studies	study	NOUN
emaj-167	126	7	proposed	propose	VERB
emaj-167	126	8	and	and	CCONJ
emaj-167	126	9	found	find	VERB
emaj-167	126	10	that	that	SCONJ
emaj-167	126	11	,	,	PUNCT
emaj-167	126	12	attitude	attitude	NOUN
emaj-167	126	13	is	be	AUX
emaj-167	126	14	antecedent	antecedent	NOUN
emaj-167	126	15	of	of	ADP
emaj-167	126	16	behavioral	behavioral	ADJ
emaj-167	126	17	intention	intention	NOUN
emaj-167	126	18	(	(	PUNCT
emaj-167	126	19	taylor	taylor	PROPN
emaj-167	126	20	and	and	CCONJ
emaj-167	126	21	todd	todd	NOUN
emaj-167	126	22	,	,	PUNCT
emaj-167	126	23	1995	1995	NUM
emaj-167	126	24	;	;	PUNCT
emaj-167	126	25	davis	davis	PROPN
emaj-167	126	26	,	,	PUNCT
emaj-167	126	27	1989	1989	NUM
emaj-167	126	28	;	;	PUNCT
emaj-167	126	29	sohail	sohail	PROPN
emaj-167	126	30	and	and	CCONJ
emaj-167	126	31	al	al	PROPN
emaj-167	126	32	-	-	PUNCT
emaj-167	126	33	jabr	jabr	PROPN
emaj-167	126	34	,	,	PUNCT
emaj-167	126	35	2014	2014	NUM
emaj-167	126	36	)	)	PUNCT
emaj-167	126	37	.	.	PUNCT
emaj-167	127	1	iii	iii	X
emaj-167	127	2	.	.	PUNCT
emaj-167	127	3	methods	method	NOUN
emaj-167	127	4	this	this	DET
emaj-167	127	5	study	study	NOUN
emaj-167	127	6	is	be	AUX
emaj-167	127	7	conducted	conduct	VERB
emaj-167	127	8	with	with	ADP
emaj-167	127	9	the	the	DET
emaj-167	127	10	objective	objective	NOUN
emaj-167	127	11	of	of	ADP
emaj-167	127	12	assessing	assess	VERB
emaj-167	127	13	factors	factor	NOUN
emaj-167	127	14	that	that	PRON
emaj-167	127	15	can	can	AUX
emaj-167	127	16	influence	influence	VERB
emaj-167	127	17	attitudes	attitude	NOUN
emaj-167	127	18	towards	towards	ADP
emaj-167	127	19	the	the	DET
emaj-167	127	20	adoption	adoption	NOUN
emaj-167	127	21	of	of	ADP
emaj-167	127	22	mobile	mobile	ADJ
emaj-167	127	23	banking	banking	NOUN
emaj-167	127	24	both	both	CCONJ
emaj-167	127	25	from	from	ADP
emaj-167	127	26	users	user	NOUN
emaj-167	127	27	and	and	CCONJ
emaj-167	127	28	nonusers	nonuser	NOUN
emaj-167	127	29	of	of	ADP
emaj-167	127	30	it	it	PRON
emaj-167	127	31	.	.	PUNCT
emaj-167	128	1	among	among	ADP
emaj-167	128	2	quantitative	quantitative	ADJ
emaj-167	128	3	approaches	approach	NOUN
emaj-167	128	4	,	,	PUNCT
emaj-167	128	5	this	this	DET
emaj-167	128	6	study	study	NOUN
emaj-167	128	7	volume	volume	NOUN
emaj-167	128	8	9	9	NUM
emaj-167	128	9	no	no	DET
emaj-167	128	10	1	1	NUM
emaj-167	128	11	(	(	PUNCT
emaj-167	128	12	2019	2019	NUM
emaj-167	128	13	)	)	PUNCT
emaj-167	128	14	|	|	ADV
emaj-167	128	15	issn	issn	VERB
emaj-167	128	16	2158	2158	NUM
emaj-167	128	17	-	-	SYM
emaj-167	128	18	8708	8708	NUM
emaj-167	128	19	(	(	PUNCT
emaj-167	128	20	online	online	NOUN
emaj-167	128	21	)	)	PUNCT
emaj-167	128	22	|	|	ADV
emaj-167	128	23	doi	doi	X
emaj-167	128	24	10.5195	10.5195	NUM
emaj-167	128	25	/	/	SYM
emaj-167	128	26	emaj.2019.167	emaj.2019.167	NOUN
emaj-167	129	1	|	|	NOUN
emaj-167	129	2	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-167	129	3	cherinet	cherinet	PROPN
emaj-167	129	4	boke	boke	VERB
emaj-167	129	5	chakiso	chakiso	NOUN
emaj-167	129	6	emerging	emerge	VERB
emaj-167	129	7	markets	market	NOUN
emaj-167	129	8	journal	journal	NOUN
emaj-167	130	1	|	|	ADV
emaj-167	130	2	p	p	NOUN
emaj-167	130	3	a	a	DET
emaj-167	130	4	g	g	NOUN
emaj-167	130	5	e	e	NOUN
emaj-167	130	6	5	5	NUM
emaj-167	130	7	7	7	NUM
emaj-167	130	8	followed	follow	VERB
emaj-167	130	9	correlational	correlational	ADJ
emaj-167	130	10	research	research	NOUN
emaj-167	130	11	design	design	NOUN
emaj-167	130	12	which	which	PRON
emaj-167	130	13	is	be	AUX
emaj-167	130	14	used	use	VERB
emaj-167	130	15	for	for	ADP
emaj-167	130	16	relating	relate	VERB
emaj-167	130	17	variables	variable	NOUN
emaj-167	130	18	or	or	CCONJ
emaj-167	130	19	predicting	predict	VERB
emaj-167	130	20	outcomes	outcome	NOUN
emaj-167	130	21	(	(	PUNCT
emaj-167	130	22	cresswell	cresswell	PROPN
emaj-167	130	23	,	,	PUNCT
emaj-167	130	24	2012	2012	NUM
emaj-167	130	25	)	)	PUNCT
emaj-167	130	26	.	.	PUNCT
emaj-167	131	1	this	this	DET
emaj-167	131	2	design	design	NOUN
emaj-167	131	3	suited	suit	VERB
emaj-167	131	4	to	to	PART
emaj-167	131	5	employ	employ	VERB
emaj-167	131	6	a	a	DET
emaj-167	131	7	cross	cross	ADJ
emaj-167	131	8	-	-	ADJ
emaj-167	131	9	sectional	sectional	ADJ
emaj-167	131	10	self	self	NOUN
emaj-167	131	11	-	-	PUNCT
emaj-167	131	12	administered	administer	VERB
emaj-167	131	13	survey	survey	NOUN
emaj-167	131	14	was	be	AUX
emaj-167	131	15	employed	employ	VERB
emaj-167	131	16	which	which	PRON
emaj-167	131	17	is	be	AUX
emaj-167	131	18	one	one	NUM
emaj-167	131	19	of	of	ADP
emaj-167	131	20	the	the	DET
emaj-167	131	21	cheapest	cheap	ADJ
emaj-167	131	22	and	and	CCONJ
emaj-167	131	23	popular	popular	ADJ
emaj-167	131	24	methods	method	NOUN
emaj-167	131	25	of	of	ADP
emaj-167	131	26	data	datum	NOUN
emaj-167	131	27	collection	collection	NOUN
emaj-167	131	28	in	in	ADP
emaj-167	131	29	quantitative	quantitative	ADJ
emaj-167	131	30	designs	design	NOUN
emaj-167	131	31	in	in	ADP
emaj-167	131	32	social	social	ADJ
emaj-167	131	33	science	science	NOUN
emaj-167	131	34	(	(	PUNCT
emaj-167	131	35	neuman	neuman	NOUN
emaj-167	131	36	,	,	PUNCT
emaj-167	131	37	2014	2014	NUM
emaj-167	131	38	)	)	PUNCT
emaj-167	131	39	.	.	PUNCT
emaj-167	132	1	a	a	DET
emaj-167	132	2	number	number	NOUN
emaj-167	132	3	of	of	ADP
emaj-167	132	4	studies	study	NOUN
emaj-167	132	5	have	have	AUX
emaj-167	132	6	recommended	recommend	VERB
emaj-167	132	7	survey	survey	NOUN
emaj-167	132	8	in	in	ADP
emaj-167	132	9	previous	previous	ADJ
emaj-167	132	10	related	related	ADJ
emaj-167	132	11	studies	study	NOUN
emaj-167	132	12	(	(	PUNCT
emaj-167	132	13	sharma	sharma	PROPN
emaj-167	132	14	and	and	CCONJ
emaj-167	132	15	sharma	sharma	PROPN
emaj-167	132	16	,	,	PUNCT
emaj-167	132	17	2019	2019	NUM
emaj-167	132	18	;	;	PUNCT
emaj-167	132	19	saunders	saunder	NOUN
emaj-167	132	20	,	,	PUNCT
emaj-167	132	21	lewis	lewis	PROPN
emaj-167	132	22	and	and	CCONJ
emaj-167	132	23	thornhill	thornhill	PROPN
emaj-167	132	24	,	,	PUNCT
emaj-167	132	25	2007	2007	NUM
emaj-167	132	26	)	)	PUNCT
emaj-167	132	27	.	.	PUNCT
emaj-167	133	1	the	the	DET
emaj-167	133	2	sample	sample	NOUN
emaj-167	133	3	was	be	AUX
emaj-167	133	4	drawn	draw	VERB
emaj-167	133	5	from	from	ADP
emaj-167	133	6	university	university	NOUN
emaj-167	133	7	students	student	NOUN
emaj-167	133	8	in	in	ADP
emaj-167	133	9	the	the	DET
emaj-167	133	10	city	city	NOUN
emaj-167	133	11	of	of	ADP
emaj-167	133	12	ankara	ankara	PROPN
emaj-167	133	13	,	,	PUNCT
emaj-167	133	14	turkey	turkey	PROPN
emaj-167	133	15	irrespective	irrespective	ADV
emaj-167	133	16	of	of	ADP
emaj-167	133	17	their	their	PRON
emaj-167	133	18	age	age	NOUN
emaj-167	133	19	,	,	PUNCT
emaj-167	133	20	gender	gender	NOUN
emaj-167	133	21	,	,	PUNCT
emaj-167	133	22	level	level	NOUN
emaj-167	133	23	of	of	ADP
emaj-167	133	24	education	education	NOUN
emaj-167	133	25	and	and	CCONJ
emaj-167	133	26	other	other	ADJ
emaj-167	133	27	demographic	demographic	ADJ
emaj-167	133	28	factors	factor	NOUN
emaj-167	133	29	.	.	PUNCT
emaj-167	134	1	in	in	ADP
emaj-167	134	2	total	total	ADJ
emaj-167	134	3	,	,	PUNCT
emaj-167	134	4	256	256	NUM
emaj-167	134	5	responses	response	NOUN
emaj-167	134	6	were	be	AUX
emaj-167	134	7	collected	collect	VERB
emaj-167	134	8	from	from	ADP
emaj-167	134	9	university	university	NOUN
emaj-167	134	10	students	student	NOUN
emaj-167	134	11	.	.	PUNCT
emaj-167	135	1	the	the	DET
emaj-167	135	2	data	datum	NOUN
emaj-167	135	3	for	for	ADP
emaj-167	135	4	this	this	DET
emaj-167	135	5	study	study	NOUN
emaj-167	135	6	was	be	AUX
emaj-167	135	7	collected	collect	VERB
emaj-167	135	8	through	through	ADP
emaj-167	135	9	a	a	DET
emaj-167	135	10	survey	survey	NOUN
emaj-167	135	11	questionnaire	questionnaire	NOUN
emaj-167	135	12	.	.	PUNCT
emaj-167	136	1	a	a	DET
emaj-167	136	2	self	self	NOUN
emaj-167	136	3	-	-	PUNCT
emaj-167	136	4	administered	administer	VERB
emaj-167	136	5	questionnaire	questionnaire	NOUN
emaj-167	136	6	was	be	AUX
emaj-167	136	7	distributed	distribute	VERB
emaj-167	136	8	for	for	ADP
emaj-167	136	9	participants	participant	NOUN
emaj-167	136	10	through	through	ADP
emaj-167	136	11	online	online	NOUN
emaj-167	136	12	.	.	PUNCT
emaj-167	137	1	before	before	ADP
emaj-167	137	2	the	the	DET
emaj-167	137	3	actual	actual	ADJ
emaj-167	137	4	distribution	distribution	NOUN
emaj-167	137	5	of	of	ADP
emaj-167	137	6	data	datum	NOUN
emaj-167	137	7	,	,	PUNCT
emaj-167	137	8	20	20	NUM
emaj-167	137	9	samples	sample	NOUN
emaj-167	137	10	were	be	AUX
emaj-167	137	11	distributed	distribute	VERB
emaj-167	137	12	to	to	ADP
emaj-167	137	13	sample	sample	VERB
emaj-167	137	14	respondents	respondent	NOUN
emaj-167	137	15	for	for	ADP
emaj-167	137	16	checking	check	VERB
emaj-167	137	17	any	any	DET
emaj-167	137	18	problems	problem	NOUN
emaj-167	137	19	with	with	ADP
emaj-167	137	20	measurement	measurement	NOUN
emaj-167	137	21	.	.	PUNCT
emaj-167	138	1	then	then	ADV
emaj-167	138	2	,	,	PUNCT
emaj-167	138	3	some	some	DET
emaj-167	138	4	corrections	correction	NOUN
emaj-167	138	5	were	be	AUX
emaj-167	138	6	found	find	VERB
emaj-167	138	7	,	,	PUNCT
emaj-167	138	8	and	and	CCONJ
emaj-167	138	9	the	the	DET
emaj-167	138	10	edited	edited	ADJ
emaj-167	138	11	survey	survey	NOUN
emaj-167	138	12	was	be	AUX
emaj-167	138	13	effectuated	effectuate	VERB
emaj-167	138	14	.	.	PUNCT
emaj-167	139	1	for	for	ADP
emaj-167	139	2	analyzing	analyze	VERB
emaj-167	139	3	the	the	DET
emaj-167	139	4	data	datum	NOUN
emaj-167	139	5	,	,	PUNCT
emaj-167	139	6	descriptive	descriptive	ADJ
emaj-167	139	7	statistics	statistic	NOUN
emaj-167	139	8	of	of	ADP
emaj-167	139	9	frequencies	frequency	NOUN
emaj-167	139	10	and	and	CCONJ
emaj-167	139	11	percentages	percentage	NOUN
emaj-167	139	12	were	be	AUX
emaj-167	139	13	employed	employ	VERB
emaj-167	139	14	followed	follow	VERB
emaj-167	139	15	by	by	ADP
emaj-167	139	16	discussions	discussion	NOUN
emaj-167	139	17	.	.	PUNCT
emaj-167	140	1	moreover	moreover	ADV
emaj-167	140	2	,	,	PUNCT
emaj-167	140	3	nonparametric	nonparametric	NOUN
emaj-167	140	4	tests	test	NOUN
emaj-167	140	5	of	of	ADP
emaj-167	140	6	chi	chi	ADJ
emaj-167	140	7	-	-	PUNCT
emaj-167	140	8	square	square	ADJ
emaj-167	140	9	statistic	statistic	NOUN
emaj-167	140	10	are	be	AUX
emaj-167	140	11	employed	employ	VERB
emaj-167	140	12	for	for	ADP
emaj-167	140	13	demographic	demographic	ADJ
emaj-167	140	14	variables	variable	NOUN
emaj-167	140	15	for	for	ADP
emaj-167	140	16	the	the	DET
emaj-167	140	17	first	first	ADJ
emaj-167	140	18	part	part	NOUN
emaj-167	140	19	of	of	ADP
emaj-167	140	20	the	the	DET
emaj-167	140	21	study	study	NOUN
emaj-167	140	22	.	.	PUNCT
emaj-167	141	1	for	for	ADP
emaj-167	141	2	the	the	DET
emaj-167	141	3	second	second	ADJ
emaj-167	141	4	part	part	NOUN
emaj-167	141	5	of	of	ADP
emaj-167	141	6	the	the	DET
emaj-167	141	7	questionnaire	questionnaire	NOUN
emaj-167	141	8	survey	survey	NOUN
emaj-167	141	9	,	,	PUNCT
emaj-167	141	10	correlation	correlation	NOUN
emaj-167	141	11	analysis	analysis	NOUN
emaj-167	141	12	was	be	AUX
emaj-167	141	13	employed	employ	VERB
emaj-167	141	14	for	for	ADP
emaj-167	141	15	analyzing	analyze	VERB
emaj-167	141	16	the	the	DET
emaj-167	141	17	relationship	relationship	NOUN
emaj-167	141	18	between	between	ADP
emaj-167	141	19	theoretically	theoretically	ADV
emaj-167	141	20	identified	identify	VERB
emaj-167	141	21	influencing	influence	VERB
emaj-167	141	22	factors	factor	NOUN
emaj-167	141	23	and	and	CCONJ
emaj-167	141	24	users	user	NOUN
emaj-167	141	25	and	and	CCONJ
emaj-167	141	26	nonusers	nonuser	NOUN
emaj-167	141	27	‘	‘	PART
emaj-167	141	28	attitude	attitude	NOUN
emaj-167	141	29	towards	towards	ADP
emaj-167	141	30	mobile	mobile	ADJ
emaj-167	141	31	banking	banking	NOUN
emaj-167	141	32	.	.	PUNCT
emaj-167	142	1	finally	finally	ADV
emaj-167	142	2	,	,	PUNCT
emaj-167	142	3	the	the	DET
emaj-167	142	4	results	result	NOUN
emaj-167	142	5	were	be	AUX
emaj-167	142	6	interpreted	interpret	VERB
emaj-167	142	7	and	and	CCONJ
emaj-167	142	8	discussion	discussion	NOUN
emaj-167	142	9	and	and	CCONJ
emaj-167	142	10	analysis	analysis	NOUN
emaj-167	142	11	and	and	CCONJ
emaj-167	142	12	compare	compare	VERB
emaj-167	142	13	the	the	DET
emaj-167	142	14	findings	finding	NOUN
emaj-167	142	15	of	of	ADP
emaj-167	142	16	this	this	DET
emaj-167	142	17	study	study	NOUN
emaj-167	142	18	with	with	ADP
emaj-167	142	19	previous	previous	ADJ
emaj-167	142	20	literature	literature	NOUN
emaj-167	142	21	.	.	PUNCT
emaj-167	143	1	iv	iv	X
emaj-167	143	2	.	.	PUNCT
emaj-167	143	3	measures	measure	NOUN
emaj-167	143	4	instrument	instrument	VERB
emaj-167	143	5	the	the	DET
emaj-167	143	6	instrument	instrument	NOUN
emaj-167	143	7	employed	employ	VERB
emaj-167	143	8	in	in	ADP
emaj-167	143	9	this	this	DET
emaj-167	143	10	study	study	NOUN
emaj-167	143	11	which	which	PRON
emaj-167	143	12	is	be	AUX
emaj-167	143	13	the	the	DET
emaj-167	143	14	survey	survey	NOUN
emaj-167	143	15	questionnaire	questionnaire	NOUN
emaj-167	143	16	consists	consist	VERB
emaj-167	143	17	of	of	ADP
emaj-167	143	18	two	two	NUM
emaj-167	143	19	parts	part	NOUN
emaj-167	143	20	.	.	PUNCT
emaj-167	144	1	first	first	ADJ
emaj-167	144	2	part	part	NOUN
emaj-167	144	3	is	be	AUX
emaj-167	144	4	about	about	ADP
emaj-167	144	5	questions	question	NOUN
emaj-167	144	6	which	which	PRON
emaj-167	144	7	demographics	demographic	NOUN
emaj-167	144	8	of	of	ADP
emaj-167	144	9	the	the	DET
emaj-167	144	10	respondents	respondent	NOUN
emaj-167	144	11	viz	viz	PROPN
emaj-167	144	12	.	.	PUNCT
emaj-167	145	1	gender	gender	NOUN
emaj-167	145	2	,	,	PUNCT
emaj-167	145	3	age	age	NOUN
emaj-167	145	4	,	,	PUNCT
emaj-167	145	5	level	level	NOUN
emaj-167	145	6	of	of	ADP
emaj-167	145	7	education	education	NOUN
emaj-167	145	8	,	,	PUNCT
emaj-167	145	9	user	user	NOUN
emaj-167	145	10	nonuser	nonuser	PROPN
emaj-167	145	11	status	status	NOUN
emaj-167	145	12	of	of	ADP
emaj-167	145	13	mobile	mobile	ADJ
emaj-167	145	14	banking	banking	NOUN
emaj-167	145	15	and	and	CCONJ
emaj-167	145	16	the	the	DET
emaj-167	145	17	purpose	purpose	NOUN
emaj-167	145	18	of	of	ADP
emaj-167	145	19	using	use	VERB
emaj-167	145	20	mobile	mobile	ADJ
emaj-167	145	21	banking	banking	NOUN
emaj-167	145	22	if	if	SCONJ
emaj-167	145	23	they	they	PRON
emaj-167	145	24	are	be	AUX
emaj-167	145	25	users	user	NOUN
emaj-167	145	26	.	.	PUNCT
emaj-167	146	1	the	the	DET
emaj-167	146	2	second	second	ADJ
emaj-167	146	3	part	part	NOUN
emaj-167	146	4	consists	consist	VERB
emaj-167	146	5	of	of	ADP
emaj-167	146	6	the	the	DET
emaj-167	146	7	multi	multi	ADJ
emaj-167	146	8	-	-	ADJ
emaj-167	146	9	item	item	ADJ
emaj-167	146	10	measures	measure	NOUN
emaj-167	146	11	which	which	PRON
emaj-167	146	12	are	be	AUX
emaj-167	146	13	constructed	construct	VERB
emaj-167	146	14	to	to	PART
emaj-167	146	15	measure	measure	VERB
emaj-167	146	16	the	the	DET
emaj-167	146	17	concept	concept	NOUN
emaj-167	146	18	of	of	ADP
emaj-167	146	19	attitude	attitude	NOUN
emaj-167	146	20	with	with	ADP
emaj-167	146	21	five	five	NUM
emaj-167	146	22	constructs	construct	NOUN
emaj-167	146	23	namely	namely	ADV
emaj-167	146	24	perceived	perceive	VERB
emaj-167	146	25	trust	trust	NOUN
emaj-167	146	26	,	,	PUNCT
emaj-167	146	27	perceived	perceive	VERB
emaj-167	146	28	risk	risk	NOUN
emaj-167	146	29	,	,	PUNCT
emaj-167	146	30	perceived	perceive	VERB
emaj-167	146	31	usefulness	usefulness	NOUN
emaj-167	146	32	,	,	PUNCT
emaj-167	146	33	perceived	perceive	VERB
emaj-167	146	34	compatibility	compatibility	NOUN
emaj-167	146	35	,	,	PUNCT
emaj-167	146	36	and	and	CCONJ
emaj-167	146	37	perceived	perceive	VERB
emaj-167	146	38	functional	functional	ADJ
emaj-167	146	39	benefit	benefit	NOUN
emaj-167	146	40	.	.	PUNCT
emaj-167	147	1	the	the	DET
emaj-167	147	2	first	first	ADJ
emaj-167	147	3	part	part	NOUN
emaj-167	147	4	of	of	ADP
emaj-167	147	5	the	the	DET
emaj-167	147	6	instrument	instrument	NOUN
emaj-167	147	7	consists	consist	VERB
emaj-167	147	8	of	of	ADP
emaj-167	147	9	close	close	ADV
emaj-167	147	10	-	-	PUNCT
emaj-167	147	11	ended	end	VERB
emaj-167	147	12	questions	question	NOUN
emaj-167	147	13	in	in	ADP
emaj-167	147	14	the	the	DET
emaj-167	147	15	form	form	NOUN
emaj-167	147	16	of	of	ADP
emaj-167	147	17	multiple	multiple	ADJ
emaj-167	147	18	questions	question	NOUN
emaj-167	147	19	.	.	PUNCT
emaj-167	148	1	in	in	ADP
emaj-167	148	2	the	the	DET
emaj-167	148	3	second	second	ADJ
emaj-167	148	4	part	part	NOUN
emaj-167	148	5	,	,	PUNCT
emaj-167	148	6	each	each	DET
emaj-167	148	7	item	item	NOUN
emaj-167	148	8	consists	consist	VERB
emaj-167	148	9	of	of	ADP
emaj-167	148	10	multi	multi	NOUN
emaj-167	148	11	-	-	NOUN
emaj-167	148	12	items	item	NOUN
emaj-167	148	13	.	.	PUNCT
emaj-167	149	1	trust	trust	NOUN
emaj-167	149	2	consists	consist	VERB
emaj-167	149	3	of	of	ADP
emaj-167	149	4	3	3	NUM
emaj-167	149	5	questions	question	NOUN
emaj-167	149	6	which	which	PRON
emaj-167	149	7	are	be	AUX
emaj-167	149	8	adapted	adapt	VERB
emaj-167	149	9	from	from	ADP
emaj-167	149	10	koenig	koenig	PROPN
emaj-167	149	11	-	-	PUNCT
emaj-167	149	12	lewis	lewis	PROPN
emaj-167	149	13	,	,	PUNCT
emaj-167	149	14	palmer	palmer	PROPN
emaj-167	149	15	,	,	PUNCT
emaj-167	149	16	and	and	CCONJ
emaj-167	149	17	moll	moll	PROPN
emaj-167	149	18	(	(	PUNCT
emaj-167	149	19	2010	2010	NUM
emaj-167	149	20	)	)	PUNCT
emaj-167	149	21	perceived	perceive	VERB
emaj-167	149	22	risk	risk	NOUN
emaj-167	149	23	contains	contain	VERB
emaj-167	149	24	3	3	NUM
emaj-167	149	25	items	item	NOUN
emaj-167	149	26	which	which	PRON
emaj-167	149	27	are	be	AUX
emaj-167	149	28	adapted	adapt	VERB
emaj-167	149	29	from	from	ADP
emaj-167	149	30	sohail	sohail	NOUN
emaj-167	149	31	and	and	CCONJ
emaj-167	149	32	aljabr	aljabr	NOUN
emaj-167	149	33	(	(	PUNCT
emaj-167	149	34	2014	2014	NUM
emaj-167	149	35	)	)	PUNCT
emaj-167	149	36	.	.	PUNCT
emaj-167	150	1	on	on	ADP
emaj-167	150	2	the	the	DET
emaj-167	150	3	other	other	ADJ
emaj-167	150	4	hand	hand	NOUN
emaj-167	150	5	,	,	PUNCT
emaj-167	150	6	relative	relative	ADJ
emaj-167	150	7	advantage	advantage	NOUN
emaj-167	150	8	consists	consist	VERB
emaj-167	150	9	of	of	ADP
emaj-167	150	10	three	three	NUM
emaj-167	150	11	questions	question	NOUN
emaj-167	150	12	and	and	CCONJ
emaj-167	150	13	are	be	AUX
emaj-167	150	14	adapted	adapt	VERB
emaj-167	150	15	from	from	ADP
emaj-167	150	16	akturan	akturan	ADJ
emaj-167	150	17	and	and	CCONJ
emaj-167	150	18	tezcan	tezcan	ADJ
emaj-167	150	19	(	(	PUNCT
emaj-167	150	20	2012	2012	NUM
emaj-167	150	21	)	)	PUNCT
emaj-167	150	22	with	with	ADP
emaj-167	150	23	a	a	DET
emaj-167	150	24	little	little	ADJ
emaj-167	150	25	modification	modification	NOUN
emaj-167	150	26	to	to	PART
emaj-167	150	27	make	make	VERB
emaj-167	150	28	it	it	PRON
emaj-167	150	29	align	align	VERB
emaj-167	150	30	with	with	ADP
emaj-167	150	31	the	the	DET
emaj-167	150	32	purpose	purpose	NOUN
emaj-167	150	33	of	of	ADP
emaj-167	150	34	the	the	DET
emaj-167	150	35	study	study	NOUN
emaj-167	150	36	.	.	PUNCT
emaj-167	151	1	and	and	CCONJ
emaj-167	151	2	lastly	lastly	ADV
emaj-167	151	3	,	,	PUNCT
emaj-167	151	4	perceived	perceive	VERB
emaj-167	151	5	compatibility	compatibility	NOUN
emaj-167	151	6	contains	contain	VERB
emaj-167	151	7	five	five	NUM
emaj-167	151	8	items	item	NOUN
emaj-167	151	9	adapted	adapt	VERB
emaj-167	151	10	from	from	ADP
emaj-167	151	11	sohail	sohail	PROPN
emaj-167	151	12	and	and	CCONJ
emaj-167	151	13	al	al	PROPN
emaj-167	151	14	-	-	PUNCT
emaj-167	151	15	jabr	jabr	PROPN
emaj-167	151	16	(	(	PUNCT
emaj-167	151	17	2014	2014	NUM
emaj-167	151	18	)	)	PUNCT
emaj-167	151	19	and	and	CCONJ
emaj-167	151	20	relative	relative	ADJ
emaj-167	151	21	advantage	advantage	NOUN
emaj-167	151	22	consists	consist	VERB
emaj-167	151	23	of	of	ADP
emaj-167	151	24	8	8	NUM
emaj-167	151	25	items	item	NOUN
emaj-167	151	26	adapted	adapt	VERB
emaj-167	151	27	from	from	ADP
emaj-167	151	28	sohail	sohail	PROPN
emaj-167	151	29	and	and	CCONJ
emaj-167	151	30	al	al	PROPN
emaj-167	151	31	-	-	PUNCT
emaj-167	151	32	jabr	jabr	PROPN
emaj-167	151	33	(	(	PUNCT
emaj-167	151	34	2014	2014	NUM
emaj-167	151	35	)	)	PUNCT
emaj-167	151	36	.	.	PUNCT
emaj-167	152	1	finally	finally	ADV
emaj-167	152	2	,	,	PUNCT
emaj-167	152	3	the	the	DET
emaj-167	152	4	dependent	dependent	ADJ
emaj-167	152	5	variable	variable	ADJ
emaj-167	152	6	-	-	PUNCT
emaj-167	152	7	attitude	attitude	NOUN
emaj-167	152	8	was	be	AUX
emaj-167	152	9	measured	measure	VERB
emaj-167	152	10	with	with	ADP
emaj-167	152	11	four	four	NUM
emaj-167	152	12	items	item	NOUN
emaj-167	152	13	adapted	adapt	VERB
emaj-167	152	14	from	from	ADP
emaj-167	152	15	akturan	akturan	ADJ
emaj-167	152	16	and	and	CCONJ
emaj-167	152	17	tezcan	tezcan	ADJ
emaj-167	152	18	(	(	PUNCT
emaj-167	152	19	2012	2012	NUM
emaj-167	152	20	)	)	PUNCT
emaj-167	152	21	.	.	PUNCT
emaj-167	153	1	all	all	DET
emaj-167	153	2	items	item	NOUN
emaj-167	153	3	in	in	ADP
emaj-167	153	4	part	part	NOUN
emaj-167	153	5	two	two	NUM
emaj-167	153	6	were	be	AUX
emaj-167	153	7	measured	measure	VERB
emaj-167	153	8	with	with	ADP
emaj-167	153	9	likert	likert	ADJ
emaj-167	153	10	-	-	NOUN
emaj-167	153	11	scale	scale	NOUN
emaj-167	153	12	items	item	NOUN
emaj-167	153	13	ranging	range	VERB
emaj-167	153	14	from	from	ADP
emaj-167	153	15	strongly	strongly	ADV
emaj-167	153	16	disagree	disagree	VERB
emaj-167	153	17	with	with	ADP
emaj-167	153	18	the	the	DET
emaj-167	153	19	value	value	NOUN
emaj-167	153	20	of	of	ADP
emaj-167	153	21	1	1	NUM
emaj-167	153	22	and	and	CCONJ
emaj-167	153	23	strongly	strongly	ADV
emaj-167	153	24	agree	agree	VERB
emaj-167	153	25	with	with	ADP
emaj-167	153	26	the	the	DET
emaj-167	153	27	value	value	NOUN
emaj-167	153	28	of	of	ADP
emaj-167	153	29	5	5	NUM
emaj-167	153	30	.	.	PUNCT
emaj-167	154	1	moreover	moreover	ADV
emaj-167	154	2	,	,	PUNCT
emaj-167	154	3	all	all	DET
emaj-167	154	4	the	the	DET
emaj-167	154	5	items	item	NOUN
emaj-167	154	6	were	be	AUX
emaj-167	154	7	translated	translate	VERB
emaj-167	154	8	into	into	ADP
emaj-167	154	9	the	the	DET
emaj-167	154	10	turkish	turkish	ADJ
emaj-167	154	11	language	language	NOUN
emaj-167	154	12	with	with	ADP
emaj-167	154	13	authorized	authorize	VERB
emaj-167	154	14	translators	translator	NOUN
emaj-167	154	15	because	because	SCONJ
emaj-167	154	16	the	the	DET
emaj-167	154	17	original	original	ADJ
emaj-167	154	18	source	source	NOUN
emaj-167	154	19	of	of	ADP
emaj-167	154	20	measures	measure	NOUN
emaj-167	154	21	is	be	AUX
emaj-167	154	22	in	in	ADP
emaj-167	154	23	the	the	DET
emaj-167	154	24	english	english	ADJ
emaj-167	154	25	language	language	NOUN
emaj-167	154	26	.	.	PUNCT
emaj-167	155	1	for	for	ADP
emaj-167	155	2	reassurance	reassurance	NOUN
emaj-167	155	3	,	,	PUNCT
emaj-167	155	4	the	the	DET
emaj-167	155	5	measures	measure	NOUN
emaj-167	155	6	were	be	AUX
emaj-167	155	7	back	back	ADV
emaj-167	155	8	-	-	PUNCT
emaj-167	155	9	translated	translate	VERB
emaj-167	155	10	before	before	ADP
emaj-167	155	11	the	the	DET
emaj-167	155	12	distribution	distribution	NOUN
emaj-167	155	13	of	of	ADP
emaj-167	155	14	the	the	DET
emaj-167	155	15	items	item	NOUN
emaj-167	155	16	.	.	PUNCT
emaj-167	156	1	finally	finally	ADV
emaj-167	156	2	,	,	PUNCT
emaj-167	156	3	the	the	DET
emaj-167	156	4	copy	copy	NOUN
emaj-167	156	5	is	be	AUX
emaj-167	156	6	checked	check	VERB
emaj-167	156	7	by	by	ADP
emaj-167	156	8	three	three	NUM
emaj-167	156	9	bilinguals	bilingual	NOUN
emaj-167	156	10	in	in	ADP
emaj-167	156	11	which	which	PRON
emaj-167	156	12	all	all	PRON
emaj-167	156	13	of	of	ADP
emaj-167	156	14	them	they	PRON
emaj-167	156	15	have	have	VERB
emaj-167	156	16	a	a	DET
emaj-167	156	17	business	business	NOUN
emaj-167	156	18	studies	study	NOUN
emaj-167	156	19	background	background	NOUN
emaj-167	156	20	.	.	PUNCT
emaj-167	157	1	reliability	reliability	NOUN
emaj-167	157	2	and	and	CCONJ
emaj-167	157	3	validity	validity	NOUN
emaj-167	157	4	reliability	reliability	NOUN
emaj-167	157	5	is	be	AUX
emaj-167	157	6	the	the	DET
emaj-167	157	7	degree	degree	NOUN
emaj-167	157	8	to	to	PART
emaj-167	157	9	which	which	PRON
emaj-167	157	10	the	the	DET
emaj-167	157	11	measure	measure	NOUN
emaj-167	157	12	of	of	ADP
emaj-167	157	13	a	a	DET
emaj-167	157	14	construct	construct	NOUN
emaj-167	157	15	is	be	AUX
emaj-167	157	16	consistent	consistent	ADJ
emaj-167	157	17	or	or	CCONJ
emaj-167	157	18	dependable	dependable	ADJ
emaj-167	157	19	(	(	PUNCT
emaj-167	157	20	bhattacherjee	bhattacherjee	ADJ
emaj-167	157	21	,	,	PUNCT
emaj-167	157	22	2012	2012	NUM
emaj-167	157	23	)	)	PUNCT
emaj-167	157	24	.	.	PUNCT
emaj-167	158	1	as	as	ADP
emaj-167	158	2	an	an	DET
emaj-167	158	3	important	important	ADJ
emaj-167	158	4	element	element	NOUN
emaj-167	158	5	in	in	ADP
emaj-167	158	6	the	the	DET
emaj-167	158	7	research	research	NOUN
emaj-167	158	8	process	process	NOUN
emaj-167	158	9	,	,	PUNCT
emaj-167	158	10	reliability	reliability	NOUN
emaj-167	158	11	enables	enable	VERB
emaj-167	158	12	the	the	DET
emaj-167	158	13	consistency	consistency	NOUN
emaj-167	158	14	and	and	CCONJ
emaj-167	158	15	dependability	dependability	NOUN
emaj-167	158	16	of	of	ADP
emaj-167	158	17	the	the	DET
emaj-167	158	18	study	study	NOUN
emaj-167	158	19	.	.	PUNCT
emaj-167	159	1	for	for	ADP
emaj-167	159	2	measuring	measure	VERB
emaj-167	159	3	reliability	reliability	NOUN
emaj-167	159	4	,	,	PUNCT
emaj-167	159	5	the	the	DET
emaj-167	159	6	popular	popular	ADJ
emaj-167	159	7	measure	measure	NOUN
emaj-167	159	8	of	of	ADP
emaj-167	159	9	internal	internal	ADJ
emaj-167	159	10	consistency	consistency	NOUN
emaj-167	159	11	is	be	AUX
emaj-167	159	12	an	an	DET
emaj-167	159	13	alpha	alpha	ADJ
emaj-167	159	14	coefficient	coefficient	NOUN
emaj-167	159	15	of	of	ADP
emaj-167	159	16	reliability	reliability	NOUN
emaj-167	159	17	or	or	CCONJ
emaj-167	159	18	commonly	commonly	ADV
emaj-167	159	19	cronbach‘s	cronbach‘s	ADJ
emaj-167	159	20	alpha	alpha	NOUN
emaj-167	159	21	(	(	PUNCT
emaj-167	159	22	cohen	cohen	PROPN
emaj-167	159	23	et	et	PROPN
emaj-167	159	24	al	al	PROPN
emaj-167	159	25	.	.	PROPN
emaj-167	159	26	,	,	PUNCT
emaj-167	159	27	2007	2007	NUM
emaj-167	159	28	)	)	PUNCT
emaj-167	159	29	.	.	PUNCT
emaj-167	160	1	in	in	ADP
emaj-167	160	2	multi	multi	ADJ
emaj-167	160	3	-	-	ADJ
emaj-167	160	4	item	item	ADJ
emaj-167	160	5	measures	measure	NOUN
emaj-167	160	6	,	,	PUNCT
emaj-167	160	7	it	it	PRON
emaj-167	160	8	is	be	AUX
emaj-167	160	9	compulsory	compulsory	ADJ
emaj-167	160	10	to	to	PART
emaj-167	160	11	check	check	VERB
emaj-167	160	12	inter	inter	ADJ
emaj-167	160	13	-	-	ADJ
emaj-167	160	14	item	item	ADJ
emaj-167	160	15	correlations	correlation	NOUN
emaj-167	160	16	.	.	PUNCT
emaj-167	161	1	the	the	DET
emaj-167	161	2	reliability	reliability	NOUN
emaj-167	161	3	of	of	ADP
emaj-167	161	4	this	this	DET
emaj-167	161	5	study	study	NOUN
emaj-167	161	6	is	be	AUX
emaj-167	161	7	depicted	depict	VERB
emaj-167	161	8	in	in	ADP
emaj-167	161	9	table	table	NOUN
emaj-167	161	10	2	2	NUM
emaj-167	161	11	.	.	PUNCT
emaj-167	161	12	table	table	NOUN
emaj-167	161	13	2	2	NUM
emaj-167	161	14	indicates	indicate	VERB
emaj-167	161	15	that	that	SCONJ
emaj-167	161	16	all	all	DET
emaj-167	161	17	the	the	DET
emaj-167	161	18	constructs	construct	NOUN
emaj-167	161	19	have	have	VERB
emaj-167	161	20	good	good	ADJ
emaj-167	161	21	reliability	reliability	NOUN
emaj-167	161	22	because	because	SCONJ
emaj-167	161	23	all	all	DET
emaj-167	161	24	dimensions	dimension	NOUN
emaj-167	161	25	have	have	VERB
emaj-167	161	26	the	the	DET
emaj-167	161	27	reliability	reliability	NOUN
emaj-167	161	28	of	of	ADP
emaj-167	161	29	greater	great	ADJ
emaj-167	161	30	than	than	ADP
emaj-167	161	31	.70	.70	NUM
emaj-167	161	32	.	.	PUNCT
emaj-167	162	1	based	base	VERB
emaj-167	162	2	on	on	ADP
emaj-167	162	3	the	the	DET
emaj-167	162	4	suggestion	suggestion	NOUN
emaj-167	162	5	proposed	propose	VERB
emaj-167	162	6	by	by	ADP
emaj-167	162	7	guielford	guielford	NOUN
emaj-167	162	8	(	(	PUNCT
emaj-167	162	9	1965	1965	NUM
emaj-167	162	10	)	)	PUNCT
emaj-167	162	11	cited	cite	VERB
emaj-167	162	12	by	by	ADP
emaj-167	162	13	taleghani	taleghani	PROPN
emaj-167	162	14	et	et	PROPN
emaj-167	162	15	al	al	PROPN
emaj-167	162	16	.	.	PROPN
emaj-167	162	17	,	,	PUNCT
emaj-167	162	18	(	(	PUNCT
emaj-167	162	19	2011	2011	NUM
emaj-167	162	20	)	)	PUNCT
emaj-167	162	21	,	,	PUNCT
emaj-167	162	22	the	the	PRON
emaj-167	162	23	higher	high	ADJ
emaj-167	162	24	the	the	DET
emaj-167	162	25	cronbach‘s	cronbach‘s	ADJ
emaj-167	162	26	alpha	alpha	NOUN
emaj-167	162	27	value	value	NOUN
emaj-167	162	28	,	,	PUNCT
emaj-167	162	29	the	the	PRON
emaj-167	162	30	higher	high	ADJ
emaj-167	162	31	the	the	DET
emaj-167	162	32	internal	internal	ADJ
emaj-167	162	33	consistency	consistency	NOUN
emaj-167	162	34	is	be	AUX
emaj-167	162	35	.	.	PUNCT
emaj-167	163	1	if	if	SCONJ
emaj-167	163	2	a	a	DET
emaj-167	163	3	value	value	NOUN
emaj-167	163	4	was	be	AUX
emaj-167	163	5	higher	high	ADJ
emaj-167	163	6	than	than	ADP
emaj-167	163	7	0.70	0.70	NUM
emaj-167	163	8	,	,	PUNCT
emaj-167	163	9	then	then	ADV
emaj-167	163	10	it	it	PRON
emaj-167	163	11	showed	show	VERB
emaj-167	163	12	that	that	SCONJ
emaj-167	163	13	the	the	DET
emaj-167	163	14	reliability	reliability	NOUN
emaj-167	163	15	of	of	ADP
emaj-167	163	16	measurement	measurement	NOUN
emaj-167	163	17	was	be	AUX
emaj-167	163	18	high	high	ADJ
emaj-167	163	19	.	.	PUNCT
emaj-167	164	1	table	table	NOUN
emaj-167	164	2	2	2	NUM
emaj-167	164	3	shows	show	VERB
emaj-167	164	4	that	that	SCONJ
emaj-167	164	5	the	the	DET
emaj-167	164	6	value	value	NOUN
emaj-167	164	7	of	of	ADP
emaj-167	164	8	the	the	DET
emaj-167	164	9	cronbach‘s	cronbach‘s	ADJ
emaj-167	164	10	alpha	alpha	NOUN
emaj-167	164	11	ranges	range	VERB
emaj-167	164	12	from	from	ADP
emaj-167	164	13	0.760	0.760	NUM
emaj-167	164	14	to	to	ADP
emaj-167	164	15	0.875	0.875	NUM
emaj-167	164	16	.	.	PUNCT
emaj-167	165	1	this	this	PRON
emaj-167	165	2	indicates	indicate	VERB
emaj-167	165	3	a	a	DET
emaj-167	165	4	good	good	ADJ
emaj-167	165	5	acceptable	acceptable	ADJ
emaj-167	165	6	internal	internal	ADJ
emaj-167	165	7	consistency	consistency	NOUN
emaj-167	165	8	of	of	ADP
emaj-167	165	9	the	the	DET
emaj-167	165	10	items	item	NOUN
emaj-167	165	11	in	in	ADP
emaj-167	165	12	the	the	DET
emaj-167	165	13	scale	scale	NOUN
emaj-167	165	14	for	for	ADP
emaj-167	165	15	this	this	DET
emaj-167	165	16	study	study	NOUN
emaj-167	165	17	.	.	PUNCT
emaj-167	166	1	table	table	NOUN
emaj-167	166	2	2	2	NUM
emaj-167	166	3	:	:	PUNCT
emaj-167	166	4	questionnaire	questionnaire	NOUN
emaj-167	166	5	items	item	NOUN
emaj-167	166	6	volume	volume	VERB
emaj-167	166	7	9	9	NUM
emaj-167	166	8	no	no	DET
emaj-167	166	9	1	1	NUM
emaj-167	166	10	(	(	PUNCT
emaj-167	166	11	2019	2019	NUM
emaj-167	166	12	)	)	PUNCT
emaj-167	166	13	|	|	ADV
emaj-167	166	14	issn	issn	VERB
emaj-167	166	15	2158	2158	NUM
emaj-167	166	16	-	-	SYM
emaj-167	166	17	8708	8708	NUM
emaj-167	166	18	(	(	PUNCT
emaj-167	166	19	online	online	NOUN
emaj-167	166	20	)	)	PUNCT
emaj-167	166	21	|	|	ADV
emaj-167	166	22	doi	doi	X
emaj-167	166	23	10.5195	10.5195	NUM
emaj-167	166	24	/	/	SYM
emaj-167	166	25	emaj.2019.167	emaj.2019.167	NOUN
emaj-167	167	1	|	|	NOUN
emaj-167	167	2	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-167	167	3	factors	factor	NOUN
emaj-167	167	4	affecting	affect	VERB
emaj-167	167	5	attitudes	attitude	NOUN
emaj-167	167	6	towards	towards	ADP
emaj-167	167	7	adoption	adoption	NOUN
emaj-167	167	8	of	of	ADP
emaj-167	167	9	mobile	mobile	ADJ
emaj-167	167	10	banking	banking	NOUN
emaj-167	167	11	:	:	PUNCT
emaj-167	167	12	users	user	NOUN
emaj-167	167	13	and	and	CCONJ
emaj-167	167	14	non	non	NOUN
emaj-167	167	15	-	-	ADJ
emaj-167	167	16	users	user	NOUN
emaj-167	167	17	perspectives	perspective	NOUN
emaj-167	167	18	page	page	VERB
emaj-167	167	19	|58|	|58|	NOUN
emaj-167	167	20	emerging	emerge	VERB
emaj-167	167	21	markets	market	NOUN
emaj-167	167	22	journal	journal	PROPN
emaj-167	167	23	v.	v.	CCONJ
emaj-167	167	24	data	datum	NOUN
emaj-167	167	25	analysis	analysis	NOUN
emaj-167	167	26	and	and	CCONJ
emaj-167	167	27	interpretation	interpretation	NOUN
emaj-167	167	28	introduction	introduction	NOUN
emaj-167	167	29	this	this	DET
emaj-167	167	30	chapter	chapter	NOUN
emaj-167	167	31	outlines	outline	VERB
emaj-167	167	32	the	the	DET
emaj-167	167	33	analysis	analysis	NOUN
emaj-167	167	34	of	of	ADP
emaj-167	167	35	data	datum	NOUN
emaj-167	167	36	and	and	CCONJ
emaj-167	167	37	presents	present	VERB
emaj-167	167	38	it	it	PRON
emaj-167	167	39	.	.	PUNCT
emaj-167	168	1	the	the	DET
emaj-167	168	2	results	result	NOUN
emaj-167	168	3	presented	present	VERB
emaj-167	168	4	in	in	ADP
emaj-167	168	5	this	this	DET
emaj-167	168	6	chapter	chapter	NOUN
emaj-167	168	7	are	be	AUX
emaj-167	168	8	data	datum	NOUN
emaj-167	168	9	collected	collect	VERB
emaj-167	168	10	through	through	ADP
emaj-167	168	11	survey	survey	NOUN
emaj-167	168	12	response	response	NOUN
emaj-167	168	13	from	from	ADP
emaj-167	168	14	users	user	NOUN
emaj-167	168	15	and	and	CCONJ
emaj-167	168	16	nonusers	nonuser	NOUN
emaj-167	168	17	of	of	ADP
emaj-167	168	18	mobile	mobile	ADJ
emaj-167	168	19	banking	banking	NOUN
emaj-167	168	20	.	.	PUNCT
emaj-167	169	1	regarding	regard	VERB
emaj-167	169	2	the	the	DET
emaj-167	169	3	response	response	NOUN
emaj-167	169	4	rate	rate	NOUN
emaj-167	169	5	,	,	PUNCT
emaj-167	169	6	all	all	DET
emaj-167	169	7	256	256	NUM
emaj-167	169	8	responses	response	NOUN
emaj-167	169	9	were	be	AUX
emaj-167	169	10	fully	fully	ADV
emaj-167	169	11	filled	fill	VERB
emaj-167	169	12	,	,	PUNCT
emaj-167	169	13	returned	return	VERB
emaj-167	169	14	and	and	CCONJ
emaj-167	169	15	found	find	VERB
emaj-167	169	16	valid	valid	ADJ
emaj-167	169	17	for	for	ADP
emaj-167	169	18	further	further	ADJ
emaj-167	169	19	analysis	analysis	NOUN
emaj-167	169	20	.	.	PUNCT
emaj-167	170	1	this	this	PRON
emaj-167	170	2	is	be	AUX
emaj-167	170	3	because	because	SCONJ
emaj-167	170	4	the	the	DET
emaj-167	170	5	data	datum	NOUN
emaj-167	170	6	were	be	AUX
emaj-167	170	7	collected	collect	VERB
emaj-167	170	8	through	through	ADP
emaj-167	170	9	online	online	ADV
emaj-167	170	10	by	by	ADP
emaj-167	170	11	making	make	VERB
emaj-167	170	12	all	all	DET
emaj-167	170	13	questions	question	NOUN
emaj-167	170	14	compulsory	compulsory	ADJ
emaj-167	170	15	for	for	ADP
emaj-167	170	16	respondents	respondent	NOUN
emaj-167	170	17	.	.	PUNCT
emaj-167	171	1	therefore	therefore	ADV
emaj-167	171	2	,	,	PUNCT
emaj-167	171	3	there	there	PRON
emaj-167	171	4	are	be	VERB
emaj-167	171	5	no	no	DET
emaj-167	171	6	invalid	invalid	ADJ
emaj-167	171	7	and	and	CCONJ
emaj-167	171	8	missing	missing	ADJ
emaj-167	171	9	responses	response	NOUN
emaj-167	171	10	.	.	PUNCT
emaj-167	172	1	demographic	demographic	ADJ
emaj-167	172	2	profile	profile	NOUN
emaj-167	172	3	of	of	ADP
emaj-167	172	4	the	the	DET
emaj-167	172	5	respondents	respondent	NOUN
emaj-167	172	6	table	table	NOUN
emaj-167	172	7	3	3	NUM
emaj-167	172	8	depicts	depict	VERB
emaj-167	172	9	respondents	respondent	NOUN
emaj-167	172	10	profile	profile	ADV
emaj-167	172	11	including	include	VERB
emaj-167	172	12	their	their	PRON
emaj-167	172	13	gender	gender	NOUN
emaj-167	172	14	,	,	PUNCT
emaj-167	172	15	age	age	NOUN
emaj-167	172	16	,	,	PUNCT
emaj-167	172	17	level	level	NOUN
emaj-167	172	18	of	of	ADP
emaj-167	172	19	education	education	NOUN
emaj-167	172	20	,	,	PUNCT
emaj-167	172	21	number	number	NOUN
emaj-167	172	22	and	and	CCONJ
emaj-167	172	23	percentage	percentage	NOUN
emaj-167	172	24	of	of	ADP
emaj-167	172	25	users	user	NOUN
emaj-167	172	26	and	and	CCONJ
emaj-167	172	27	non	non	NOUN
emaj-167	172	28	-	-	NOUN
emaj-167	172	29	users	user	NOUN
emaj-167	172	30	of	of	ADP
emaj-167	172	31	mobile	mobile	ADJ
emaj-167	172	32	banking	banking	NOUN
emaj-167	172	33	,	,	PUNCT
emaj-167	172	34	and	and	CCONJ
emaj-167	172	35	purpose	purpose	NOUN
emaj-167	172	36	for	for	ADP
emaj-167	172	37	the	the	DET
emaj-167	172	38	use	use	NOUN
emaj-167	172	39	of	of	ADP
emaj-167	172	40	mobile	mobile	ADJ
emaj-167	172	41	banking	banking	NOUN
emaj-167	172	42	.	.	PUNCT
emaj-167	173	1	table	table	NOUN
emaj-167	173	2	3	3	NUM
emaj-167	173	3	:	:	PUNCT
emaj-167	173	4	demographic	demographic	ADJ
emaj-167	173	5	profile	profile	NOUN
emaj-167	173	6	of	of	ADP
emaj-167	173	7	the	the	DET
emaj-167	173	8	respondents	respondent	NOUN
emaj-167	173	9	as	as	SCONJ
emaj-167	173	10	shown	show	VERB
emaj-167	173	11	in	in	ADP
emaj-167	173	12	table	table	NOUN
emaj-167	173	13	3	3	NUM
emaj-167	173	14	,	,	PUNCT
emaj-167	173	15	72.65	72.65	NUM
emaj-167	173	16	percent	percent	NOUN
emaj-167	173	17	of	of	ADP
emaj-167	173	18	the	the	DET
emaj-167	173	19	respondents	respondent	NOUN
emaj-167	173	20	were	be	AUX
emaj-167	173	21	males	male	NOUN
emaj-167	173	22	whereas	whereas	SCONJ
emaj-167	173	23	27.34	27.34	NUM
emaj-167	173	24	percent	percent	NOUN
emaj-167	173	25	of	of	ADP
emaj-167	173	26	the	the	DET
emaj-167	173	27	respondents	respondent	NOUN
emaj-167	173	28	were	be	AUX
emaj-167	173	29	females	female	NOUN
emaj-167	173	30	.	.	PUNCT
emaj-167	174	1	regarding	regard	VERB
emaj-167	174	2	age	age	NOUN
emaj-167	174	3	,	,	PUNCT
emaj-167	174	4	the	the	DET
emaj-167	174	5	majority	majority	NOUN
emaj-167	174	6	of	of	ADP
emaj-167	174	7	the	the	DET
emaj-167	174	8	respondents	respondent	NOUN
emaj-167	174	9	(	(	PUNCT
emaj-167	174	10	78.13	78.13	NUM
emaj-167	174	11	%	%	NOUN
emaj-167	174	12	)	)	PUNCT
emaj-167	174	13	are	be	AUX
emaj-167	174	14	between	between	ADP
emaj-167	174	15	the	the	DET
emaj-167	174	16	ages	age	NOUN
emaj-167	174	17	of	of	ADP
emaj-167	174	18	20	20	NUM
emaj-167	174	19	-	-	SYM
emaj-167	174	20	30	30	NUM
emaj-167	174	21	.	.	PUNCT
emaj-167	175	1	this	this	PRON
emaj-167	175	2	is	be	AUX
emaj-167	175	3	because	because	SCONJ
emaj-167	175	4	the	the	DET
emaj-167	175	5	sample	sample	NOUN
emaj-167	175	6	was	be	AUX
emaj-167	175	7	drawn	draw	VERB
emaj-167	175	8	on	on	ADP
emaj-167	175	9	public	public	ADJ
emaj-167	175	10	university	university	NOUN
emaj-167	175	11	students	student	NOUN
emaj-167	175	12	.	.	PUNCT
emaj-167	176	1	as	as	SCONJ
emaj-167	176	2	shown	show	VERB
emaj-167	176	3	in	in	ADP
emaj-167	176	4	table	table	NOUN
emaj-167	176	5	3	3	NUM
emaj-167	176	6	,	,	PUNCT
emaj-167	176	7	the	the	DET
emaj-167	176	8	majority	majority	NOUN
emaj-167	176	9	of	of	ADP
emaj-167	176	10	respondents	respondent	NOUN
emaj-167	176	11	are	be	AUX
emaj-167	176	12	educated	educate	VERB
emaj-167	176	13	.	.	PUNCT
emaj-167	177	1	table	table	NOUN
emaj-167	177	2	3	3	NUM
emaj-167	177	3	depicts	depict	VERB
emaj-167	177	4	that	that	SCONJ
emaj-167	177	5	,	,	PUNCT
emaj-167	177	6	majority	majority	NOUN
emaj-167	177	7	of	of	ADP
emaj-167	177	8	the	the	DET
emaj-167	177	9	respondents	respondent	NOUN
emaj-167	177	10	(	(	PUNCT
emaj-167	177	11	70.3	70.3	NUM
emaj-167	177	12	%	%	NOUN
emaj-167	177	13	)	)	PUNCT
emaj-167	177	14	are	be	AUX
emaj-167	177	15	users	user	NOUN
emaj-167	177	16	of	of	ADP
emaj-167	177	17	mobile	mobile	ADJ
emaj-167	177	18	banking	banking	NOUN
emaj-167	177	19	at	at	ADP
emaj-167	177	20	least	least	ADJ
emaj-167	177	21	for	for	ADP
emaj-167	177	22	one	one	NUM
emaj-167	177	23	purpose	purpose	NOUN
emaj-167	177	24	.	.	PUNCT
emaj-167	178	1	among	among	ADP
emaj-167	178	2	the	the	DET
emaj-167	178	3	users	user	NOUN
emaj-167	178	4	of	of	ADP
emaj-167	178	5	mobile	mobile	ADJ
emaj-167	178	6	banking	banking	NOUN
emaj-167	178	7	,	,	PUNCT
emaj-167	178	8	the	the	DET
emaj-167	178	9	respondents	respondent	NOUN
emaj-167	178	10	use	use	VERB
emaj-167	178	11	mobile	mobile	ADJ
emaj-167	178	12	banking	banking	NOUN
emaj-167	178	13	for	for	ADP
emaj-167	178	14	the	the	DET
emaj-167	178	15	purposes	purpose	NOUN
emaj-167	178	16	of	of	ADP
emaj-167	178	17	depositing	deposit	VERB
emaj-167	178	18	money	money	NOUN
emaj-167	178	19	(	(	PUNCT
emaj-167	178	20	7.8	7.8	NUM
emaj-167	178	21	%	%	NOUN
emaj-167	178	22	)	)	PUNCT
emaj-167	178	23	,	,	PUNCT
emaj-167	178	24	to	to	PART
emaj-167	178	25	withdraw	withdraw	VERB
emaj-167	178	26	money	money	NOUN
emaj-167	178	27	(	(	PUNCT
emaj-167	178	28	11.67	11.67	NUM
emaj-167	178	29	%	%	NOUN
emaj-167	178	30	)	)	PUNCT
emaj-167	178	31	,	,	PUNCT
emaj-167	178	32	for	for	ADP
emaj-167	178	33	online	online	ADJ
emaj-167	178	34	shopping	shopping	NOUN
emaj-167	178	35	(	(	PUNCT
emaj-167	178	36	10.56	10.56	NUM
emaj-167	178	37	%	%	NOUN
emaj-167	178	38	)	)	PUNCT
emaj-167	178	39	,	,	PUNCT
emaj-167	178	40	checking	check	VERB
emaj-167	178	41	balance	balance	NOUN
emaj-167	178	42	(	(	PUNCT
emaj-167	178	43	27.7	27.7	NUM
emaj-167	178	44	%	%	NOUN
emaj-167	178	45	)	)	PUNCT
emaj-167	178	46	,	,	PUNCT
emaj-167	178	47	and	and	CCONJ
emaj-167	178	48	57	57	NUM
emaj-167	178	49	(	(	PUNCT
emaj-167	178	50	42.2	42.2	NUM
emaj-167	178	51	%	%	NOUN
emaj-167	178	52	)	)	PUNCT
emaj-167	178	53	of	of	ADP
emaj-167	178	54	the	the	DET
emaj-167	178	55	respondents	respondent	NOUN
emaj-167	178	56	use	use	VERB
emaj-167	178	57	mobile	mobile	ADJ
emaj-167	178	58	banking	banking	NOUN
emaj-167	178	59	for	for	ADP
emaj-167	178	60	all	all	DET
emaj-167	178	61	reasons	reason	NOUN
emaj-167	178	62	stated	state	VERB
emaj-167	178	63	above	above	ADV
emaj-167	178	64	.	.	PUNCT
emaj-167	179	1	moreover	moreover	ADV
emaj-167	179	2	,	,	PUNCT
emaj-167	179	3	there	there	PRON
emaj-167	179	4	is	be	VERB
emaj-167	179	5	a	a	DET
emaj-167	179	6	significant	significant	ADJ
emaj-167	179	7	number	number	NOUN
emaj-167	179	8	of	of	ADP
emaj-167	179	9	respondents	respondent	NOUN
emaj-167	179	10	who	who	PRON
emaj-167	179	11	use	use	VERB
emaj-167	179	12	mobile	mobile	ADJ
emaj-167	179	13	banking	banking	NOUN
emaj-167	179	14	in	in	ADP
emaj-167	179	15	addition	addition	NOUN
emaj-167	179	16	to	to	ADP
emaj-167	179	17	the	the	DET
emaj-167	179	18	reasons	reason	NOUN
emaj-167	179	19	stated	state	VERB
emaj-167	179	20	above	above	ADV
emaj-167	179	21	like	like	ADP
emaj-167	179	22	transferring	transfer	VERB
emaj-167	179	23	money	money	NOUN
emaj-167	179	24	and	and	CCONJ
emaj-167	179	25	for	for	ADP
emaj-167	179	26	forex	forex	ADJ
emaj-167	179	27	services	service	NOUN
emaj-167	179	28	.	.	PUNCT
emaj-167	180	1	in	in	ADP
emaj-167	180	2	addition	addition	NOUN
emaj-167	180	3	,	,	PUNCT
emaj-167	180	4	chi	chi	ADJ
emaj-167	180	5	-	-	PUNCT
emaj-167	180	6	square	square	ADJ
emaj-167	180	7	tests	test	NOUN
emaj-167	180	8	(	(	PUNCT
emaj-167	180	9	both	both	CCONJ
emaj-167	180	10	phi	phi	NOUN
emaj-167	180	11	and	and	CCONJ
emaj-167	180	12	cramer‘s	cramer‘s	ADJ
emaj-167	180	13	v	v	NOUN
emaj-167	180	14	)	)	PUNCT
emaj-167	180	15	were	be	AUX
emaj-167	180	16	conducted	conduct	VERB
emaj-167	180	17	.	.	PUNCT
emaj-167	181	1	the	the	DET
emaj-167	181	2	results	result	NOUN
emaj-167	181	3	indicated	indicate	VERB
emaj-167	181	4	that	that	SCONJ
emaj-167	181	5	,	,	PUNCT
emaj-167	181	6	there	there	PRON
emaj-167	181	7	is	be	VERB
emaj-167	181	8	a	a	DET
emaj-167	181	9	difference	difference	NOUN
emaj-167	181	10	across	across	ADP
emaj-167	181	11	gender	gender	NOUN
emaj-167	181	12	on	on	ADP
emaj-167	181	13	attitudes	attitude	NOUN
emaj-167	181	14	towards	towards	ADP
emaj-167	181	15	the	the	DET
emaj-167	181	16	adoption	adoption	NOUN
emaj-167	181	17	of	of	ADP
emaj-167	181	18	mobile	mobile	ADJ
emaj-167	181	19	banking	banking	NOUN
emaj-167	181	20	.	.	PUNCT
emaj-167	182	1	similarly	similarly	ADV
emaj-167	182	2	,	,	PUNCT
emaj-167	182	3	there	there	PRON
emaj-167	182	4	is	be	VERB
emaj-167	182	5	a	a	DET
emaj-167	182	6	difference	difference	NOUN
emaj-167	182	7	across	across	ADP
emaj-167	182	8	the	the	DET
emaj-167	182	9	level	level	NOUN
emaj-167	182	10	of	of	ADP
emaj-167	182	11	education	education	NOUN
emaj-167	182	12	and	and	CCONJ
emaj-167	182	13	users	user	NOUN
emaj-167	182	14	‘	'	PUNCT
emaj-167	182	15	and	and	CCONJ
emaj-167	182	16	non	non	ADJ
emaj-167	182	17	-	-	ADJ
emaj-167	182	18	users	user	NOUN
emaj-167	182	19	‘	‘	PART
emaj-167	182	20	attitudes	attitude	NOUN
emaj-167	182	21	towards	towards	ADP
emaj-167	182	22	the	the	DET
emaj-167	182	23	adoption	adoption	NOUN
emaj-167	182	24	of	of	ADP
emaj-167	182	25	mobile	mobile	ADJ
emaj-167	182	26	banking	banking	NOUN
emaj-167	182	27	.	.	PUNCT
emaj-167	183	1	mchugh	mchugh	PROPN
emaj-167	183	2	(	(	PUNCT
emaj-167	183	3	2013	2013	NUM
emaj-167	183	4	)	)	PUNCT
emaj-167	183	5	stated	state	VERB
emaj-167	183	6	the	the	DET
emaj-167	183	7	assumption	assumption	NOUN
emaj-167	183	8	of	of	ADP
emaj-167	183	9	chisquare	chisquare	NOUN
emaj-167	183	10	as	as	SCONJ
emaj-167	183	11	―the	―the	DET
emaj-167	183	12	value	value	NOUN
emaj-167	183	13	of	of	ADP
emaj-167	183	14	the	the	DET
emaj-167	183	15	cell	cell	NOUN
emaj-167	183	16	expected	expect	VERB
emaj-167	183	17	should	should	AUX
emaj-167	183	18	be	be	AUX
emaj-167	183	19	5	5	NUM
emaj-167	183	20	or	or	CCONJ
emaj-167	183	21	more	more	ADJ
emaj-167	183	22	in	in	ADP
emaj-167	183	23	at	at	ADV
emaj-167	183	24	least	least	ADV
emaj-167	183	25	80	80	NUM
emaj-167	183	26	%	%	NOUN
emaj-167	183	27	of	of	ADP
emaj-167	183	28	the	the	DET
emaj-167	183	29	cells	cell	NOUN
emaj-167	183	30	,	,	PUNCT
emaj-167	183	31	and	and	CCONJ
emaj-167	183	32	no	no	DET
emaj-167	183	33	cell	cell	NOUN
emaj-167	183	34	should	should	AUX
emaj-167	183	35	have	have	VERB
emaj-167	183	36	an	an	DET
emaj-167	183	37	expected	expect	VERB
emaj-167	183	38	of	of	ADP
emaj-167	183	39	less	less	ADJ
emaj-167	183	40	than	than	ADP
emaj-167	183	41	one‖.	one‖.	ADP
emaj-167	183	42	the	the	DET
emaj-167	183	43	dimensions	dimension	NOUN
emaj-167	183	44	of	of	ADP
emaj-167	183	45	gender	gender	NOUN
emaj-167	183	46	and	and	CCONJ
emaj-167	183	47	level	level	NOUN
emaj-167	183	48	of	of	ADP
emaj-167	183	49	education	education	NOUN
emaj-167	183	50	satisfied	satisfy	VERB
emaj-167	183	51	this	this	DET
emaj-167	183	52	assumption	assumption	NOUN
emaj-167	183	53	.	.	PUNCT
emaj-167	184	1	however	however	ADV
emaj-167	184	2	,	,	PUNCT
emaj-167	184	3	age	age	NOUN
emaj-167	184	4	violated	violate	VERB
emaj-167	184	5	the	the	DET
emaj-167	184	6	assumption	assumption	NOUN
emaj-167	184	7	of	of	ADP
emaj-167	184	8	chi	chi	NOUN
emaj-167	184	9	-	-	PUNCT
emaj-167	184	10	square	square	NOUN
emaj-167	184	11	,	,	PUNCT
emaj-167	184	12	because	because	SCONJ
emaj-167	184	13	4	4	NUM
emaj-167	184	14	cells	cell	NOUN
emaj-167	184	15	(	(	PUNCT
emaj-167	184	16	50	50	NUM
emaj-167	184	17	%	%	NOUN
emaj-167	184	18	)	)	PUNCT
emaj-167	184	19	have	have	AUX
emaj-167	184	20	expected	expect	VERB
emaj-167	184	21	count	count	VERB
emaj-167	184	22	less	less	ADJ
emaj-167	184	23	than	than	ADP
emaj-167	184	24	5	5	NUM
emaj-167	184	25	.	.	PUNCT
emaj-167	184	26	trust	trust	PROPN
emaj-167	184	27	morgan	morgan	PROPN
emaj-167	184	28	and	and	CCONJ
emaj-167	184	29	hunt	hunt	PROPN
emaj-167	184	30	(	(	PUNCT
emaj-167	184	31	1994	1994	NUM
emaj-167	184	32	)	)	PUNCT
emaj-167	184	33	conceptualized	conceptualize	VERB
emaj-167	184	34	that	that	SCONJ
emaj-167	184	35	,	,	PUNCT
emaj-167	184	36	trust	trust	NOUN
emaj-167	184	37	exists	exist	VERB
emaj-167	184	38	when	when	SCONJ
emaj-167	184	39	one	one	NUM
emaj-167	184	40	party	party	NOUN
emaj-167	184	41	has	have	VERB
emaj-167	184	42	confidence	confidence	NOUN
emaj-167	184	43	in	in	ADP
emaj-167	184	44	an	an	DET
emaj-167	184	45	exchange	exchange	NOUN
emaj-167	184	46	partner	partner	NOUN
emaj-167	184	47	's	's	PART
emaj-167	184	48	reliability	reliability	NOUN
emaj-167	184	49	and	and	CCONJ
emaj-167	184	50	integrity	integrity	NOUN
emaj-167	184	51	.	.	PUNCT
emaj-167	185	1	shifera	shifera	PROPN
emaj-167	185	2	bekele	bekele	PROPN
emaj-167	185	3	(	(	PUNCT
emaj-167	185	4	2011	2011	NUM
emaj-167	185	5	)	)	PUNCT
emaj-167	185	6	,	,	PUNCT
emaj-167	185	7	noted	note	VERB
emaj-167	185	8	that	that	SCONJ
emaj-167	185	9	,	,	PUNCT
emaj-167	185	10	in	in	ADP
emaj-167	185	11	practical	practical	ADJ
emaj-167	185	12	business	business	NOUN
emaj-167	185	13	activities	activity	NOUN
emaj-167	185	14	,	,	PUNCT
emaj-167	185	15	the	the	DET
emaj-167	185	16	development	development	NOUN
emaj-167	185	17	of	of	ADP
emaj-167	185	18	trust	trust	NOUN
emaj-167	185	19	is	be	AUX
emaj-167	185	20	considered	consider	VERB
emaj-167	185	21	to	to	PART
emaj-167	185	22	be	be	AUX
emaj-167	185	23	a	a	DET
emaj-167	185	24	critical	critical	ADJ
emaj-167	185	25	result	result	NOUN
emaj-167	185	26	of	of	ADP
emaj-167	185	27	establishing	establish	VERB
emaj-167	185	28	a	a	DET
emaj-167	185	29	long	long	ADJ
emaj-167	185	30	-	-	PUNCT
emaj-167	185	31	term	term	NOUN
emaj-167	185	32	successful	successful	ADJ
emaj-167	185	33	relationship	relationship	NOUN
emaj-167	185	34	among	among	ADP
emaj-167	185	35	all	all	DET
emaj-167	185	36	the	the	DET
emaj-167	185	37	parties	party	NOUN
emaj-167	185	38	involved	involve	VERB
emaj-167	185	39	.	.	PUNCT
emaj-167	186	1	in	in	ADP
emaj-167	186	2	the	the	DET
emaj-167	186	3	face	face	NOUN
emaj-167	186	4	of	of	ADP
emaj-167	186	5	complicated	complicated	ADJ
emaj-167	186	6	service	service	NOUN
emaj-167	186	7	markets	market	NOUN
emaj-167	186	8	,	,	PUNCT
emaj-167	186	9	customers	customer	NOUN
emaj-167	186	10	tend	tend	VERB
emaj-167	186	11	to	to	PART
emaj-167	186	12	behave	behave	VERB
emaj-167	186	13	and	and	CCONJ
emaj-167	186	14	make	make	VERB
emaj-167	186	15	purchasing	purchasing	NOUN
emaj-167	186	16	decision	decision	NOUN
emaj-167	186	17	depending	depend	VERB
emaj-167	186	18	on	on	ADP
emaj-167	186	19	their	their	PRON
emaj-167	186	20	previous	previous	ADJ
emaj-167	186	21	consuming	consume	VERB
emaj-167	186	22	experiences	experience	NOUN
emaj-167	186	23	.	.	PUNCT
emaj-167	187	1	investing	invest	VERB
emaj-167	187	2	in	in	ADP
emaj-167	187	3	a	a	DET
emaj-167	187	4	long	long	ADJ
emaj-167	187	5	-	-	PUNCT
emaj-167	187	6	term	term	NOUN
emaj-167	187	7	relationship	relationship	NOUN
emaj-167	187	8	with	with	ADP
emaj-167	187	9	customers	customer	NOUN
emaj-167	187	10	helps	help	VERB
emaj-167	187	11	to	to	PART
emaj-167	187	12	develop	develop	VERB
emaj-167	187	13	customer	customer	NOUN
emaj-167	187	14	trusts	trust	NOUN
emaj-167	187	15	and	and	CCONJ
emaj-167	187	16	improve	improve	VERB
emaj-167	187	17	the	the	DET
emaj-167	187	18	effective	effective	ADJ
emaj-167	187	19	quality	quality	NOUN
emaj-167	187	20	of	of	ADP
emaj-167	187	21	a	a	DET
emaj-167	187	22	relationship	relationship	NOUN
emaj-167	187	23	in	in	ADP
emaj-167	187	24	order	order	NOUN
emaj-167	187	25	to	to	PART
emaj-167	187	26	obtain	obtain	VERB
emaj-167	187	27	mutual	mutual	ADJ
emaj-167	187	28	interests	interest	NOUN
emaj-167	187	29	.	.	PUNCT
emaj-167	188	1	as	as	SCONJ
emaj-167	188	2	shown	show	VERB
emaj-167	188	3	in	in	ADP
emaj-167	188	4	table	table	NOUN
emaj-167	188	5	4	4	NUM
emaj-167	188	6	,	,	PUNCT
emaj-167	188	7	the	the	DET
emaj-167	188	8	correlation	correlation	NOUN
emaj-167	188	9	coefficient	coefficient	NOUN
emaj-167	188	10	between	between	ADP
emaj-167	188	11	trust	trust	NOUN
emaj-167	188	12	and	and	CCONJ
emaj-167	188	13	attitude	attitude	NOUN
emaj-167	188	14	is	be	AUX
emaj-167	188	15	0.475	0.475	NUM
emaj-167	188	16	at	at	ADP
emaj-167	188	17	a	a	DET
emaj-167	188	18	p	p	NOUN
emaj-167	188	19	value	value	NOUN
emaj-167	188	20	of	of	ADP
emaj-167	188	21	0.01	0.01	NUM
emaj-167	188	22	.	.	PUNCT
emaj-167	189	1	therefore	therefore	ADV
emaj-167	189	2	,	,	PUNCT
emaj-167	189	3	there	there	PRON
emaj-167	189	4	is	be	VERB
emaj-167	189	5	a	a	DET
emaj-167	189	6	moderate	moderate	ADJ
emaj-167	189	7	relationship	relationship	NOUN
emaj-167	189	8	between	between	ADP
emaj-167	189	9	trust	trust	NOUN
emaj-167	189	10	and	and	CCONJ
emaj-167	189	11	both	both	DET
emaj-167	189	12	users	user	NOUN
emaj-167	189	13	‘	'	PUNCT
emaj-167	189	14	and	and	CCONJ
emaj-167	189	15	non	non	NOUN
emaj-167	189	16	-	-	ADJ
emaj-167	189	17	users	user	NOUN
emaj-167	189	18	‘	‘	PART
emaj-167	189	19	attitude	attitude	NOUN
emaj-167	189	20	towards	towards	ADP
emaj-167	189	21	the	the	DET
emaj-167	189	22	adoption	adoption	NOUN
emaj-167	189	23	of	of	ADP
emaj-167	189	24	mobile	mobile	ADJ
emaj-167	189	25	banking	banking	NOUN
emaj-167	189	26	.	.	PUNCT
emaj-167	190	1	table	table	NOUN
emaj-167	190	2	4	4	NUM
emaj-167	190	3	:	:	PUNCT
emaj-167	190	4	correlations	correlation	NOUN
emaj-167	190	5	between	between	ADP
emaj-167	190	6	variables	variable	NOUN
emaj-167	190	7	*	*	PUNCT
emaj-167	190	8	*	*	NOUN
emaj-167	190	9	.	.	PUNCT
emaj-167	191	1	correlation	correlation	NOUN
emaj-167	191	2	is	be	AUX
emaj-167	191	3	significant	significant	ADJ
emaj-167	191	4	at	at	ADP
emaj-167	191	5	the	the	DET
emaj-167	191	6	0.01	0.01	NUM
emaj-167	191	7	level	level	NOUN
emaj-167	191	8	perceived	perceive	VERB
emaj-167	191	9	ease	ease	NOUN
emaj-167	191	10	of	of	ADP
emaj-167	191	11	use	use	NOUN
emaj-167	191	12	as	as	SCONJ
emaj-167	191	13	shown	show	VERB
emaj-167	191	14	in	in	ADP
emaj-167	191	15	table	table	NOUN
emaj-167	191	16	4	4	NUM
emaj-167	191	17	,	,	PUNCT
emaj-167	191	18	the	the	DET
emaj-167	191	19	correlation	correlation	NOUN
emaj-167	191	20	coefficient	coefficient	NOUN
emaj-167	191	21	between	between	ADP
emaj-167	191	22	perceived	perceive	VERB
emaj-167	191	23	ease	ease	NOUN
emaj-167	191	24	of	of	ADP
emaj-167	191	25	use	use	NOUN
emaj-167	191	26	and	and	CCONJ
emaj-167	191	27	attitude	attitude	NOUN
emaj-167	191	28	is	be	AUX
emaj-167	191	29	.557	.557	NUM
emaj-167	191	30	significant	significant	ADJ
emaj-167	191	31	at	at	ADP
emaj-167	191	32	a	a	DET
emaj-167	191	33	p	p	NOUN
emaj-167	191	34	value	value	NOUN
emaj-167	191	35	of	of	ADP
emaj-167	191	36	0.01	0.01	NUM
emaj-167	191	37	.	.	PUNCT
emaj-167	192	1	this	this	PRON
emaj-167	192	2	implies	imply	VERB
emaj-167	192	3	that	that	SCONJ
emaj-167	192	4	,	,	PUNCT
emaj-167	192	5	there	there	PRON
emaj-167	192	6	is	be	VERB
emaj-167	192	7	a	a	DET
emaj-167	192	8	moderate	moderate	ADJ
emaj-167	192	9	relationship	relationship	NOUN
emaj-167	192	10	between	between	ADP
emaj-167	192	11	perceived	perceive	VERB
emaj-167	192	12	ease	ease	NOUN
emaj-167	192	13	of	of	ADP
emaj-167	192	14	use	use	NOUN
emaj-167	192	15	and	and	CCONJ
emaj-167	192	16	attitude	attitude	NOUN
emaj-167	192	17	towards	towards	ADP
emaj-167	192	18	the	the	DET
emaj-167	192	19	adoption	adoption	NOUN
emaj-167	192	20	of	of	ADP
emaj-167	192	21	mobile	mobile	ADJ
emaj-167	192	22	banking	banking	NOUN
emaj-167	192	23	both	both	PRON
emaj-167	192	24	for	for	ADP
emaj-167	192	25	users	user	NOUN
emaj-167	192	26	and	and	CCONJ
emaj-167	192	27	non	non	NOUN
emaj-167	192	28	-	-	NOUN
emaj-167	192	29	users	user	NOUN
emaj-167	192	30	.	.	PUNCT
emaj-167	193	1	perceived	perceive	VERB
emaj-167	193	2	risk	risk	NOUN
emaj-167	193	3	unlike	unlike	ADP
emaj-167	193	4	the	the	DET
emaj-167	193	5	other	other	ADJ
emaj-167	193	6	variables	variable	NOUN
emaj-167	193	7	,	,	PUNCT
emaj-167	193	8	perceived	perceive	VERB
emaj-167	193	9	risk	risk	NOUN
emaj-167	193	10	is	be	AUX
emaj-167	193	11	found	find	VERB
emaj-167	193	12	to	to	PART
emaj-167	193	13	have	have	VERB
emaj-167	193	14	no	no	DET
emaj-167	193	15	relationship	relationship	NOUN
emaj-167	193	16	with	with	ADP
emaj-167	193	17	user	user	NOUN
emaj-167	193	18	and	and	CCONJ
emaj-167	193	19	non	non	ADJ
emaj-167	193	20	-	-	NOUN
emaj-167	193	21	user	user	NOUN
emaj-167	193	22	attitudes	attitude	NOUN
emaj-167	193	23	towards	towards	ADP
emaj-167	193	24	the	the	DET
emaj-167	193	25	adoption	adoption	NOUN
emaj-167	193	26	of	of	ADP
emaj-167	193	27	mobile	mobile	ADJ
emaj-167	193	28	banking	banking	NOUN
emaj-167	193	29	.	.	PUNCT
emaj-167	194	1	the	the	DET
emaj-167	194	2	correlation	correlation	NOUN
emaj-167	194	3	coefficient	coefficient	NOUN
emaj-167	194	4	between	between	ADP
emaj-167	194	5	perceived	perceive	VERB
emaj-167	194	6	risk	risk	NOUN
emaj-167	194	7	and	and	CCONJ
emaj-167	194	8	users	user	NOUN
emaj-167	194	9	‘	'	PUNCT
emaj-167	194	10	and	and	CCONJ
emaj-167	194	11	non	non	NOUN
emaj-167	194	12	-	-	ADJ
emaj-167	194	13	users	user	NOUN
emaj-167	194	14	‘	‘	PART
emaj-167	194	15	attitude	attitude	NOUN
emaj-167	194	16	towards	towards	ADP
emaj-167	194	17	adoption	adoption	NOUN
emaj-167	194	18	of	of	ADP
emaj-167	194	19	mobile	mobile	ADJ
emaj-167	194	20	volume	volume	NOUN
emaj-167	194	21	9	9	NUM
emaj-167	194	22	no	no	DET
emaj-167	194	23	1	1	NUM
emaj-167	194	24	(	(	PUNCT
emaj-167	194	25	2019	2019	NUM
emaj-167	194	26	)	)	PUNCT
emaj-167	194	27	|	|	ADV
emaj-167	194	28	issn	issn	VERB
emaj-167	194	29	2158	2158	NUM
emaj-167	194	30	-	-	SYM
emaj-167	194	31	8708	8708	NUM
emaj-167	194	32	(	(	PUNCT
emaj-167	194	33	online	online	NOUN
emaj-167	194	34	)	)	PUNCT
emaj-167	194	35	|	|	ADV
emaj-167	194	36	doi	doi	X
emaj-167	194	37	10.5195	10.5195	NUM
emaj-167	194	38	/	/	SYM
emaj-167	194	39	emaj.2019.167	emaj.2019.167	NOUN
emaj-167	194	40	|	|	NOUN
emaj-167	194	41	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-167	194	42	cherinet	cherinet	PROPN
emaj-167	194	43	boke	boke	VERB
emaj-167	194	44	chakiso	chakiso	NOUN
emaj-167	194	45	emerging	emerge	VERB
emaj-167	194	46	markets	market	NOUN
emaj-167	194	47	journal	journal	NOUN
emaj-167	194	48	|	|	ADV
emaj-167	194	49	p	p	NOUN
emaj-167	194	50	a	a	DET
emaj-167	194	51	g	g	NOUN
emaj-167	194	52	e	e	NOUN
emaj-167	194	53	5	5	NUM
emaj-167	194	54	9	9	NUM
emaj-167	194	55	banking	banking	NOUN
emaj-167	194	56	as	as	SCONJ
emaj-167	194	57	shown	show	VERB
emaj-167	194	58	in	in	ADP
emaj-167	194	59	table	table	NOUN
emaj-167	194	60	4	4	NUM
emaj-167	194	61	is	be	AUX
emaj-167	194	62	-.117	-.117	ADJ
emaj-167	194	63	with	with	ADP
emaj-167	194	64	an	an	DET
emaj-167	194	65	inclination	inclination	NOUN
emaj-167	194	66	towards	towards	ADP
emaj-167	194	67	negative	negative	ADJ
emaj-167	194	68	weak	weak	ADJ
emaj-167	194	69	correlation	correlation	NOUN
emaj-167	194	70	,	,	PUNCT
emaj-167	194	71	which	which	PRON
emaj-167	194	72	is	be	AUX
emaj-167	194	73	not	not	PART
emaj-167	194	74	significant	significant	ADJ
emaj-167	194	75	at	at	ADP
emaj-167	194	76	a	a	DET
emaj-167	194	77	p	p	NOUN
emaj-167	194	78	value	value	NOUN
emaj-167	194	79	of	of	ADP
emaj-167	194	80	.01	.01	NUM
emaj-167	194	81	.	.	PUNCT
emaj-167	194	82	relative	relative	ADJ
emaj-167	194	83	advantage	advantage	NOUN
emaj-167	194	84	as	as	SCONJ
emaj-167	194	85	shown	show	VERB
emaj-167	194	86	in	in	ADP
emaj-167	194	87	table	table	NOUN
emaj-167	194	88	4	4	NUM
emaj-167	194	89	,	,	PUNCT
emaj-167	194	90	the	the	DET
emaj-167	194	91	correlation	correlation	NOUN
emaj-167	194	92	coefficient	coefficient	NOUN
emaj-167	194	93	between	between	ADP
emaj-167	194	94	relative	relative	ADJ
emaj-167	194	95	advantage	advantage	NOUN
emaj-167	194	96	and	and	CCONJ
emaj-167	194	97	attitude	attitude	NOUN
emaj-167	194	98	is	be	AUX
emaj-167	194	99	.779	.779	NUM
emaj-167	194	100	significant	significant	ADJ
emaj-167	194	101	at	at	ADP
emaj-167	194	102	a	a	DET
emaj-167	194	103	p	p	NOUN
emaj-167	194	104	value	value	NOUN
emaj-167	194	105	of	of	ADP
emaj-167	194	106	0.01	0.01	NUM
emaj-167	194	107	.	.	PUNCT
emaj-167	195	1	this	this	PRON
emaj-167	195	2	implies	imply	VERB
emaj-167	195	3	that	that	SCONJ
emaj-167	195	4	,	,	PUNCT
emaj-167	195	5	there	there	PRON
emaj-167	195	6	is	be	VERB
emaj-167	195	7	a	a	DET
emaj-167	195	8	strong	strong	ADJ
emaj-167	195	9	relationship	relationship	NOUN
emaj-167	195	10	between	between	ADP
emaj-167	195	11	relative	relative	ADJ
emaj-167	195	12	advantage	advantage	NOUN
emaj-167	195	13	and	and	CCONJ
emaj-167	195	14	users	user	NOUN
emaj-167	195	15	‘	'	PUNCT
emaj-167	195	16	as	as	ADV
emaj-167	195	17	well	well	ADV
emaj-167	195	18	as	as	ADP
emaj-167	195	19	non	non	NOUN
emaj-167	195	20	-	-	NOUN
emaj-167	195	21	users	user	NOUN
emaj-167	195	22	‘	‘	PART
emaj-167	195	23	attitude	attitude	NOUN
emaj-167	195	24	towards	towards	ADP
emaj-167	195	25	the	the	DET
emaj-167	195	26	adoption	adoption	NOUN
emaj-167	195	27	of	of	ADP
emaj-167	195	28	mobile	mobile	ADJ
emaj-167	195	29	banking	banking	NOUN
emaj-167	195	30	.	.	PUNCT
emaj-167	196	1	perceived	perceive	VERB
emaj-167	196	2	compatibility	compatibility	NOUN
emaj-167	196	3	table	table	NOUN
emaj-167	196	4	4	4	NUM
emaj-167	196	5	indicates	indicate	VERB
emaj-167	196	6	that	that	SCONJ
emaj-167	196	7	,	,	PUNCT
emaj-167	196	8	the	the	DET
emaj-167	196	9	correlation	correlation	NOUN
emaj-167	196	10	coefficient	coefficient	NOUN
emaj-167	196	11	of	of	ADP
emaj-167	196	12	.643	.643	NUM
emaj-167	196	13	is	be	AUX
emaj-167	196	14	significant	significant	ADJ
emaj-167	196	15	at	at	ADP
emaj-167	196	16	a	a	DET
emaj-167	196	17	p	p	NOUN
emaj-167	196	18	value	value	NOUN
emaj-167	196	19	of	of	ADP
emaj-167	196	20	0.01	0.01	NUM
emaj-167	196	21	.	.	PUNCT
emaj-167	197	1	this	this	PRON
emaj-167	197	2	implies	imply	VERB
emaj-167	197	3	that	that	SCONJ
emaj-167	197	4	,	,	PUNCT
emaj-167	197	5	perceived	perceive	VERB
emaj-167	197	6	compatibility	compatibility	NOUN
emaj-167	197	7	is	be	AUX
emaj-167	197	8	found	find	VERB
emaj-167	197	9	to	to	PART
emaj-167	197	10	have	have	VERB
emaj-167	197	11	moderately	moderately	ADV
emaj-167	197	12	correlation	correlation	NOUN
emaj-167	197	13	with	with	ADP
emaj-167	197	14	users	user	NOUN
emaj-167	197	15	‘	'	PUNCT
emaj-167	197	16	and	and	CCONJ
emaj-167	197	17	non	non	NOUN
emaj-167	197	18	-	-	ADJ
emaj-167	197	19	users	user	NOUN
emaj-167	197	20	‘	‘	PART
emaj-167	197	21	attitude	attitude	NOUN
emaj-167	197	22	towards	towards	ADP
emaj-167	197	23	the	the	DET
emaj-167	197	24	adoption	adoption	NOUN
emaj-167	197	25	of	of	ADP
emaj-167	197	26	mobile	mobile	ADJ
emaj-167	197	27	banking	banking	NOUN
emaj-167	197	28	.	.	PUNCT
emaj-167	198	1	group	group	NOUN
emaj-167	198	2	comparison	comparison	NOUN
emaj-167	198	3	with	with	ADP
emaj-167	198	4	anova	anova	PROPN
emaj-167	198	5	since	since	SCONJ
emaj-167	198	6	one	one	NUM
emaj-167	198	7	of	of	ADP
emaj-167	198	8	the	the	DET
emaj-167	198	9	objectives	objective	NOUN
emaj-167	198	10	of	of	ADP
emaj-167	198	11	this	this	DET
emaj-167	198	12	study	study	NOUN
emaj-167	198	13	is	be	AUX
emaj-167	198	14	to	to	PART
emaj-167	198	15	compare	compare	VERB
emaj-167	198	16	the	the	DET
emaj-167	198	17	user	user	NOUN
emaj-167	198	18	and	and	CCONJ
emaj-167	198	19	non	non	ADJ
emaj-167	198	20	-	-	ADJ
emaj-167	198	21	user	user	ADJ
emaj-167	198	22	attitude	attitude	NOUN
emaj-167	198	23	towards	towards	ADP
emaj-167	198	24	the	the	DET
emaj-167	198	25	adoption	adoption	NOUN
emaj-167	198	26	of	of	ADP
emaj-167	198	27	mobile	mobile	ADJ
emaj-167	198	28	banking	banking	NOUN
emaj-167	198	29	,	,	PUNCT
emaj-167	198	30	anova	anova	PROPN
emaj-167	198	31	is	be	AUX
emaj-167	198	32	used	use	VERB
emaj-167	198	33	for	for	ADP
emaj-167	198	34	the	the	DET
emaj-167	198	35	analysis	analysis	NOUN
emaj-167	198	36	.	.	PUNCT
emaj-167	199	1	the	the	DET
emaj-167	199	2	results	result	NOUN
emaj-167	199	3	shown	show	VERB
emaj-167	199	4	in	in	ADP
emaj-167	199	5	table	table	NOUN
emaj-167	199	6	5	5	NUM
emaj-167	199	7	indicates	indicate	VERB
emaj-167	199	8	that	that	PRON
emaj-167	199	9	trust	trust	NOUN
emaj-167	199	10	,	,	PUNCT
emaj-167	199	11	perceived	perceive	VERB
emaj-167	199	12	ease	ease	NOUN
emaj-167	199	13	of	of	ADP
emaj-167	199	14	use	use	NOUN
emaj-167	199	15	,	,	PUNCT
emaj-167	199	16	compatibility	compatibility	NOUN
emaj-167	199	17	and	and	CCONJ
emaj-167	199	18	relative	relative	ADJ
emaj-167	199	19	advantage	advantage	NOUN
emaj-167	199	20	are	be	AUX
emaj-167	199	21	found	find	VERB
emaj-167	199	22	to	to	PART
emaj-167	199	23	have	have	VERB
emaj-167	199	24	a	a	DET
emaj-167	199	25	significant	significant	ADJ
emaj-167	199	26	difference	difference	NOUN
emaj-167	199	27	between	between	ADP
emaj-167	199	28	users	user	NOUN
emaj-167	199	29	and	and	CCONJ
emaj-167	199	30	non	non	NOUN
emaj-167	199	31	-	-	NOUN
emaj-167	199	32	users	user	NOUN
emaj-167	199	33	of	of	ADP
emaj-167	199	34	mobile	mobile	ADJ
emaj-167	199	35	banking	banking	NOUN
emaj-167	199	36	.	.	PUNCT
emaj-167	200	1	all	all	PRON
emaj-167	200	2	of	of	ADP
emaj-167	200	3	the	the	DET
emaj-167	200	4	findings	finding	NOUN
emaj-167	200	5	are	be	AUX
emaj-167	200	6	significant	significant	ADJ
emaj-167	200	7	at	at	ADP
emaj-167	200	8	the	the	DET
emaj-167	200	9	value	value	NOUN
emaj-167	200	10	of	of	ADP
emaj-167	200	11	(	(	PUNCT
emaj-167	200	12	p<.01	p<.01	PROPN
emaj-167	200	13	)	)	PUNCT
emaj-167	200	14	.	.	PUNCT
emaj-167	201	1	however	however	ADV
emaj-167	201	2	,	,	PUNCT
emaj-167	201	3	perceived	perceive	VERB
emaj-167	201	4	risk	risk	NOUN
emaj-167	201	5	has	have	VERB
emaj-167	201	6	no	no	DET
emaj-167	201	7	significant	significant	ADJ
emaj-167	201	8	difference	difference	NOUN
emaj-167	201	9	between	between	ADP
emaj-167	201	10	users	user	NOUN
emaj-167	201	11	‘	'	PUNCT
emaj-167	201	12	and	and	CCONJ
emaj-167	201	13	non	non	NOUN
emaj-167	201	14	-	-	ADJ
emaj-167	201	15	users	user	NOUN
emaj-167	201	16	‘	‘	PART
emaj-167	201	17	attitude	attitude	NOUN
emaj-167	201	18	towards	towards	ADP
emaj-167	201	19	the	the	DET
emaj-167	201	20	adoption	adoption	NOUN
emaj-167	201	21	of	of	ADP
emaj-167	201	22	mobile	mobile	ADJ
emaj-167	201	23	banking	banking	NOUN
emaj-167	201	24	.	.	PUNCT
emaj-167	202	1	the	the	DET
emaj-167	202	2	descriptive	descriptive	ADJ
emaj-167	202	3	and	and	CCONJ
emaj-167	202	4	anova	anova	PROPN
emaj-167	202	5	results	result	NOUN
emaj-167	202	6	are	be	AUX
emaj-167	202	7	displayed	display	VERB
emaj-167	202	8	in	in	ADP
emaj-167	202	9	table	table	NOUN
emaj-167	202	10	5	5	NUM
emaj-167	202	11	and	and	CCONJ
emaj-167	202	12	table	table	NOUN
emaj-167	202	13	6	6	NUM
emaj-167	202	14	respectively	respectively	ADV
emaj-167	202	15	.	.	PUNCT
emaj-167	203	1	table	table	NOUN
emaj-167	203	2	5	5	NUM
emaj-167	203	3	:	:	PUNCT
emaj-167	203	4	descriptive	descriptive	ADJ
emaj-167	203	5	results	result	NOUN
emaj-167	203	6	table	table	VERB
emaj-167	203	7	5	5	NUM
emaj-167	203	8	above	above	ADV
emaj-167	203	9	shows	show	VERB
emaj-167	203	10	descriptive	descriptive	ADJ
emaj-167	203	11	results	result	NOUN
emaj-167	203	12	about	about	ADP
emaj-167	203	13	mean	mean	ADJ
emaj-167	203	14	,	,	PUNCT
emaj-167	203	15	standard	standard	ADJ
emaj-167	203	16	deviation	deviation	NOUN
emaj-167	203	17	,	,	PUNCT
emaj-167	203	18	standard	standard	ADJ
emaj-167	203	19	error	error	NOUN
emaj-167	203	20	,	,	PUNCT
emaj-167	203	21	lower	lower	ADV
emaj-167	203	22	bound	bind	VERB
emaj-167	203	23	and	and	CCONJ
emaj-167	203	24	upper	upper	ADJ
emaj-167	203	25	bound	bind	VERB
emaj-167	203	26	of	of	ADP
emaj-167	203	27	the	the	DET
emaj-167	203	28	factor	factor	NOUN
emaj-167	203	29	results	result	VERB
emaj-167	203	30	influencing	influence	VERB
emaj-167	203	31	attitude	attitude	NOUN
emaj-167	203	32	towards	towards	ADP
emaj-167	203	33	the	the	DET
emaj-167	203	34	adoption	adoption	NOUN
emaj-167	203	35	of	of	ADP
emaj-167	203	36	mobile	mobile	ADJ
emaj-167	203	37	banking	banking	NOUN
emaj-167	203	38	for	for	ADP
emaj-167	203	39	both	both	DET
emaj-167	203	40	users	user	NOUN
emaj-167	203	41	and	and	CCONJ
emaj-167	203	42	non	non	NOUN
emaj-167	203	43	-	-	NOUN
emaj-167	203	44	users	user	NOUN
emaj-167	203	45	.	.	PUNCT
emaj-167	204	1	table	table	NOUN
emaj-167	204	2	6	6	NUM
emaj-167	204	3	:	:	PUNCT
emaj-167	204	4	anova	anova	PROPN
emaj-167	204	5	vi	vi	PROPN
emaj-167	204	6	.	.	PROPN
emaj-167	204	7	discussion	discussion	NOUN
emaj-167	204	8	the	the	DET
emaj-167	204	9	ever	ever	ADV
emaj-167	204	10	-	-	PUNCT
emaj-167	204	11	increasing	increase	VERB
emaj-167	204	12	competition	competition	NOUN
emaj-167	204	13	and	and	CCONJ
emaj-167	204	14	proliferation	proliferation	NOUN
emaj-167	204	15	of	of	ADP
emaj-167	204	16	technology	technology	NOUN
emaj-167	204	17	have	have	AUX
emaj-167	204	18	brought	bring	VERB
emaj-167	204	19	new	new	ADJ
emaj-167	204	20	frontiers	frontier	NOUN
emaj-167	204	21	for	for	ADP
emaj-167	204	22	challenges	challenge	NOUN
emaj-167	204	23	and	and	CCONJ
emaj-167	204	24	opportunities	opportunity	NOUN
emaj-167	204	25	for	for	ADP
emaj-167	204	26	serving	serve	VERB
emaj-167	204	27	customers	customer	NOUN
emaj-167	204	28	and	and	CCONJ
emaj-167	204	29	keep	keep	VERB
emaj-167	204	30	them	they	PRON
emaj-167	204	31	loyal	loyal	ADJ
emaj-167	204	32	(	(	PUNCT
emaj-167	204	33	baabdullah	baabdullah	PROPN
emaj-167	204	34	,	,	PUNCT
emaj-167	204	35	et	et	PROPN
emaj-167	204	36	al	al	PROPN
emaj-167	204	37	.	.	PROPN
emaj-167	204	38	,	,	PUNCT
emaj-167	204	39	2019	2019	NUM
emaj-167	204	40	)	)	PUNCT
emaj-167	204	41	.	.	PUNCT
emaj-167	205	1	mobile	mobile	ADJ
emaj-167	205	2	banking	banking	NOUN
emaj-167	205	3	as	as	ADP
emaj-167	205	4	an	an	DET
emaj-167	205	5	alternative	alternative	ADJ
emaj-167	205	6	form	form	NOUN
emaj-167	205	7	of	of	ADP
emaj-167	205	8	service	service	NOUN
emaj-167	205	9	distribution	distribution	NOUN
emaj-167	205	10	channel	channel	NOUN
emaj-167	205	11	is	be	AUX
emaj-167	205	12	widely	widely	ADV
emaj-167	205	13	documented	document	VERB
emaj-167	205	14	with	with	ADP
emaj-167	205	15	the	the	DET
emaj-167	205	16	predictors	predictor	NOUN
emaj-167	205	17	which	which	PRON
emaj-167	205	18	can	can	AUX
emaj-167	205	19	influence	influence	VERB
emaj-167	205	20	its	its	PRON
emaj-167	205	21	attitude	attitude	NOUN
emaj-167	205	22	towards	towards	ADP
emaj-167	205	23	adoption	adoption	NOUN
emaj-167	205	24	(	(	PUNCT
emaj-167	205	25	farah	farah	PROPN
emaj-167	205	26	,	,	PUNCT
emaj-167	205	27	hasni	hasni	NOUN
emaj-167	205	28	,	,	PUNCT
emaj-167	205	29	and	and	CCONJ
emaj-167	205	30	abbas	abbas	PROPN
emaj-167	205	31	,	,	PUNCT
emaj-167	205	32	2018	2018	NUM
emaj-167	205	33	;	;	PUNCT
emaj-167	205	34	baabdullah	baabdullah	PROPN
emaj-167	205	35	et	et	PROPN
emaj-167	205	36	al	al	PROPN
emaj-167	205	37	.	.	PROPN
emaj-167	205	38	,	,	PUNCT
emaj-167	205	39	2019	2019	NUM
emaj-167	205	40	;	;	PUNCT
emaj-167	205	41	koenig	koenig	PROPN
emaj-167	205	42	-	-	PUNCT
emaj-167	205	43	lewis	lewis	PROPN
emaj-167	205	44	,	,	PUNCT
emaj-167	205	45	palmer	palmer	PROPN
emaj-167	205	46	,	,	PUNCT
emaj-167	205	47	and	and	CCONJ
emaj-167	205	48	moll	moll	PROPN
emaj-167	205	49	(	(	PUNCT
emaj-167	205	50	2009	2009	NUM
emaj-167	205	51	)	)	PUNCT
emaj-167	205	52	.	.	PUNCT
emaj-167	206	1	extant	extant	ADJ
emaj-167	206	2	literature	literature	NOUN
emaj-167	206	3	indicates	indicate	VERB
emaj-167	206	4	that	that	SCONJ
emaj-167	206	5	there	there	PRON
emaj-167	206	6	is	be	VERB
emaj-167	206	7	a	a	DET
emaj-167	206	8	difference	difference	NOUN
emaj-167	206	9	between	between	ADP
emaj-167	206	10	users	user	NOUN
emaj-167	206	11	and	and	CCONJ
emaj-167	206	12	nonusers	nonuser	NOUN
emaj-167	206	13	‘	‘	PART
emaj-167	206	14	adoption	adoption	NOUN
emaj-167	206	15	of	of	ADP
emaj-167	206	16	mobile	mobile	ADJ
emaj-167	206	17	banking	banking	NOUN
emaj-167	206	18	across	across	ADP
emaj-167	206	19	cultures	culture	NOUN
emaj-167	206	20	(	(	PUNCT
emaj-167	206	21	sohail	sohail	PROPN
emaj-167	206	22	and	and	CCONJ
emaj-167	206	23	al	al	PROPN
emaj-167	206	24	-	-	PUNCT
emaj-167	206	25	jabr	jabr	PROPN
emaj-167	206	26	,	,	PUNCT
emaj-167	206	27	2014	2014	NUM
emaj-167	206	28	)	)	PUNCT
emaj-167	206	29	.	.	PUNCT
emaj-167	207	1	this	this	DET
emaj-167	207	2	study‘s	study‘s	PROPN
emaj-167	207	3	findings	finding	NOUN
emaj-167	207	4	indicated	indicate	VERB
emaj-167	207	5	that	that	SCONJ
emaj-167	207	6	some	some	PRON
emaj-167	207	7	of	of	ADP
emaj-167	207	8	the	the	DET
emaj-167	207	9	influencing	influence	VERB
emaj-167	207	10	factors	factor	NOUN
emaj-167	207	11	are	be	AUX
emaj-167	207	12	found	find	VERB
emaj-167	207	13	to	to	PART
emaj-167	207	14	have	have	VERB
emaj-167	207	15	no	no	PRON
emaj-167	207	16	,	,	PUNCT
emaj-167	207	17	moderate	moderate	ADJ
emaj-167	207	18	and	and	CCONJ
emaj-167	207	19	strong	strong	ADJ
emaj-167	207	20	correlation	correlation	NOUN
emaj-167	207	21	with	with	ADP
emaj-167	207	22	users	user	NOUN
emaj-167	207	23	and	and	CCONJ
emaj-167	207	24	nonusers	nonuser	NOUN
emaj-167	207	25	‘	‘	PART
emaj-167	207	26	attitude	attitude	NOUN
emaj-167	207	27	towards	towards	ADP
emaj-167	207	28	the	the	DET
emaj-167	207	29	adoption	adoption	NOUN
emaj-167	207	30	of	of	ADP
emaj-167	207	31	mobile	mobile	ADJ
emaj-167	207	32	banking	banking	NOUN
emaj-167	207	33	.	.	PUNCT
emaj-167	208	1	trust	trust	NOUN
emaj-167	208	2	is	be	AUX
emaj-167	208	3	the	the	DET
emaj-167	208	4	partners	partner	NOUN
emaj-167	208	5	‘	'	PUNCT
emaj-167	208	6	confidence	confidence	NOUN
emaj-167	208	7	in	in	ADP
emaj-167	208	8	exchange	exchange	NOUN
emaj-167	208	9	for	for	ADP
emaj-167	208	10	partners	partner	NOUN
emaj-167	208	11	reliability	reliability	NOUN
emaj-167	208	12	and	and	CCONJ
emaj-167	208	13	integrity	integrity	NOUN
emaj-167	208	14	(	(	PUNCT
emaj-167	208	15	morgan	morgan	PROPN
emaj-167	208	16	and	and	CCONJ
emaj-167	208	17	hunt	hunt	PROPN
emaj-167	208	18	,	,	PUNCT
emaj-167	208	19	1994	1994	NUM
emaj-167	208	20	)	)	PUNCT
emaj-167	208	21	.	.	PUNCT
emaj-167	209	1	they	they	PRON
emaj-167	209	2	also	also	ADV
emaj-167	209	3	asserted	assert	VERB
emaj-167	209	4	that	that	SCONJ
emaj-167	209	5	in	in	ADP
emaj-167	209	6	rational	rational	ADJ
emaj-167	209	7	contracting	contracting	NOUN
emaj-167	209	8	behavior	behavior	NOUN
emaj-167	209	9	,	,	PUNCT
emaj-167	209	10	trust	trust	NOUN
emaj-167	209	11	plays	play	VERB
emaj-167	209	12	a	a	DET
emaj-167	209	13	vital	vital	ADJ
emaj-167	209	14	role	role	NOUN
emaj-167	209	15	between	between	ADP
emaj-167	209	16	exchange	exchange	NOUN
emaj-167	209	17	partners	partner	NOUN
emaj-167	209	18	.	.	PUNCT
emaj-167	210	1	the	the	DET
emaj-167	210	2	trust	trust	NOUN
emaj-167	210	3	between	between	ADP
emaj-167	210	4	the	the	DET
emaj-167	210	5	exchange	exchange	NOUN
emaj-167	210	6	partners	partner	NOUN
emaj-167	210	7	leads	lead	VERB
emaj-167	210	8	to	to	ADP
emaj-167	210	9	productivity	productivity	NOUN
emaj-167	210	10	and	and	CCONJ
emaj-167	210	11	efficiency	efficiency	NOUN
emaj-167	210	12	preceded	precede	VERB
emaj-167	210	13	by	by	ADP
emaj-167	210	14	cooperative	cooperative	ADJ
emaj-167	210	15	behavior	behavior	NOUN
emaj-167	210	16	(	(	PUNCT
emaj-167	210	17	morgan	morgan	PROPN
emaj-167	210	18	and	and	CCONJ
emaj-167	210	19	hunt	hunt	PROPN
emaj-167	210	20	,	,	PUNCT
emaj-167	210	21	1994	1994	NUM
emaj-167	210	22	)	)	PUNCT
emaj-167	210	23	.	.	PUNCT
emaj-167	211	1	for	for	SCONJ
emaj-167	211	2	the	the	DET
emaj-167	211	3	successful	successful	ADJ
emaj-167	211	4	exchange	exchange	NOUN
emaj-167	211	5	to	to	PART
emaj-167	211	6	exist	exist	VERB
emaj-167	211	7	,	,	PUNCT
emaj-167	211	8	partners	partner	NOUN
emaj-167	211	9	must	must	AUX
emaj-167	211	10	trust	trust	VERB
emaj-167	211	11	each	each	DET
emaj-167	211	12	other	other	ADJ
emaj-167	211	13	.	.	PUNCT
emaj-167	212	1	this	this	PRON
emaj-167	212	2	is	be	AUX
emaj-167	212	3	more	more	ADV
emaj-167	212	4	important	important	ADJ
emaj-167	212	5	for	for	ADP
emaj-167	212	6	consumers	consumer	NOUN
emaj-167	212	7	who	who	PRON
emaj-167	212	8	have	have	VERB
emaj-167	212	9	little	little	ADJ
emaj-167	212	10	strength	strength	NOUN
emaj-167	212	11	on	on	ADP
emaj-167	212	12	quid	quid	ADJ
emaj-167	212	13	pro	pro	X
emaj-167	212	14	quo	quo	NOUN
emaj-167	212	15	when	when	SCONJ
emaj-167	212	16	service	service	NOUN
emaj-167	212	17	providers	provider	NOUN
emaj-167	212	18	fail	fail	VERB
emaj-167	212	19	to	to	PART
emaj-167	212	20	offer	offer	VERB
emaj-167	212	21	as	as	SCONJ
emaj-167	212	22	promised	promise	VERB
emaj-167	212	23	.	.	PUNCT
emaj-167	213	1	the	the	DET
emaj-167	213	2	absence	absence	NOUN
emaj-167	213	3	of	of	ADP
emaj-167	213	4	a	a	DET
emaj-167	213	5	direct	direct	ADJ
emaj-167	213	6	in	in	ADP
emaj-167	213	7	-	-	PUNCT
emaj-167	213	8	person	person	NOUN
emaj-167	213	9	connection	connection	NOUN
emaj-167	213	10	between	between	ADP
emaj-167	213	11	consumers	consumer	NOUN
emaj-167	213	12	and	and	CCONJ
emaj-167	213	13	service	service	NOUN
emaj-167	213	14	providers	provider	NOUN
emaj-167	213	15	in	in	ADP
emaj-167	213	16	mobile	mobile	ADJ
emaj-167	213	17	banking	banking	NOUN
emaj-167	213	18	makes	make	VERB
emaj-167	213	19	trust	trust	NOUN
emaj-167	213	20	among	among	ADP
emaj-167	213	21	one	one	NUM
emaj-167	213	22	of	of	ADP
emaj-167	213	23	the	the	DET
emaj-167	213	24	important	important	ADJ
emaj-167	213	25	influencing	influence	VERB
emaj-167	213	26	factors	factor	NOUN
emaj-167	213	27	in	in	ADP
emaj-167	213	28	the	the	DET
emaj-167	213	29	adoption	adoption	NOUN
emaj-167	213	30	of	of	ADP
emaj-167	213	31	users	user	NOUN
emaj-167	213	32	and	and	CCONJ
emaj-167	213	33	nonusers	nonuser	NOUN
emaj-167	213	34	‘	‘	PART
emaj-167	213	35	attitudes	attitude	NOUN
emaj-167	213	36	towards	towards	ADP
emaj-167	213	37	mobile	mobile	ADJ
emaj-167	213	38	banking	banking	NOUN
emaj-167	213	39	.	.	PUNCT
emaj-167	214	1	in	in	ADP
emaj-167	214	2	this	this	DET
emaj-167	214	3	study	study	NOUN
emaj-167	214	4	,	,	PUNCT
emaj-167	214	5	trust	trust	NOUN
emaj-167	214	6	found	find	VERB
emaj-167	214	7	to	to	PART
emaj-167	214	8	have	have	VERB
emaj-167	214	9	,	,	PUNCT
emaj-167	214	10	moderate	moderate	ADJ
emaj-167	214	11	relationship	relationship	NOUN
emaj-167	214	12	with	with	ADP
emaj-167	214	13	an	an	DET
emaj-167	214	14	attitude	attitude	NOUN
emaj-167	214	15	of	of	ADP
emaj-167	214	16	users	user	NOUN
emaj-167	214	17	and	and	CCONJ
emaj-167	214	18	nonusers	nonuser	NOUN
emaj-167	214	19	towards	towards	ADP
emaj-167	214	20	mobile	mobile	ADJ
emaj-167	214	21	banking	banking	NOUN
emaj-167	214	22	.	.	PUNCT
emaj-167	215	1	koenig	koenig	PROPN
emaj-167	215	2	-	-	PUNCT
emaj-167	215	3	lewis	lewis	PROPN
emaj-167	215	4	,	,	PUNCT
emaj-167	215	5	palmer	palmer	PROPN
emaj-167	215	6	,	,	PUNCT
emaj-167	215	7	and	and	CCONJ
emaj-167	215	8	moll	moll	PROPN
emaj-167	215	9	(	(	PUNCT
emaj-167	215	10	2009	2009	NUM
emaj-167	215	11	)	)	PUNCT
emaj-167	215	12	found	find	VERB
emaj-167	215	13	that	that	SCONJ
emaj-167	215	14	trust	trust	NOUN
emaj-167	215	15	can	can	AUX
emaj-167	215	16	influence	influence	VERB
emaj-167	215	17	behavioral	behavioral	ADJ
emaj-167	215	18	intention	intention	NOUN
emaj-167	215	19	.	.	PUNCT
emaj-167	216	1	moreover	moreover	ADV
emaj-167	216	2	,	,	PUNCT
emaj-167	216	3	the	the	DET
emaj-167	216	4	anova	anova	PROPN
emaj-167	216	5	result	result	NOUN
emaj-167	216	6	indicated	indicate	VERB
emaj-167	216	7	that	that	SCONJ
emaj-167	216	8	there	there	PRON
emaj-167	216	9	is	be	VERB
emaj-167	216	10	a	a	DET
emaj-167	216	11	difference	difference	NOUN
emaj-167	216	12	between	between	ADP
emaj-167	216	13	users	user	NOUN
emaj-167	216	14	and	and	CCONJ
emaj-167	216	15	nonusers	nonuser	NOUN
emaj-167	216	16	with	with	ADP
emaj-167	216	17	regard	regard	NOUN
emaj-167	216	18	to	to	ADP
emaj-167	216	19	trust	trust	NOUN
emaj-167	216	20	in	in	ADP
emaj-167	216	21	the	the	DET
emaj-167	216	22	attitude	attitude	NOUN
emaj-167	216	23	towards	towards	ADP
emaj-167	216	24	the	the	DET
emaj-167	216	25	adoption	adoption	NOUN
emaj-167	216	26	of	of	ADP
emaj-167	216	27	mobile	mobile	ADJ
emaj-167	216	28	banking	banking	NOUN
emaj-167	216	29	.	.	PUNCT
emaj-167	217	1	perceived	perceive	VERB
emaj-167	217	2	ease	ease	NOUN
emaj-167	217	3	of	of	ADP
emaj-167	217	4	usefulness	usefulness	NOUN
emaj-167	217	5	(	(	PUNCT
emaj-167	217	6	peu	peu	NOUN
emaj-167	217	7	)	)	PUNCT
emaj-167	217	8	can	can	AUX
emaj-167	217	9	be	be	AUX
emaj-167	217	10	defined	define	VERB
emaj-167	217	11	as	as	ADP
emaj-167	217	12	the	the	DET
emaj-167	217	13	degree	degree	NOUN
emaj-167	217	14	to	to	PART
emaj-167	217	15	which	which	PRON
emaj-167	217	16	an	an	DET
emaj-167	217	17	innovation	innovation	NOUN
emaj-167	217	18	is	be	AUX
emaj-167	217	19	easy	easy	ADJ
emaj-167	217	20	to	to	PART
emaj-167	217	21	use	use	VERB
emaj-167	217	22	(	(	PUNCT
emaj-167	217	23	lin	lin	PROPN
emaj-167	217	24	,	,	PUNCT
emaj-167	217	25	2010	2010	NUM
emaj-167	217	26	)	)	PUNCT
emaj-167	217	27	.	.	PUNCT
emaj-167	218	1	davis	davis	PROPN
emaj-167	218	2	(	(	PUNCT
emaj-167	218	3	1989	1989	NUM
emaj-167	218	4	)	)	PUNCT
emaj-167	218	5	defined	define	VERB
emaj-167	218	6	peu	peu	NOUN
emaj-167	218	7	as	as	ADP
emaj-167	218	8	achieving	achieve	VERB
emaj-167	218	9	innovation	innovation	NOUN
emaj-167	218	10	with	with	ADP
emaj-167	218	11	free	free	ADJ
emaj-167	218	12	of	of	ADP
emaj-167	218	13	effort	effort	NOUN
emaj-167	218	14	and	and	CCONJ
emaj-167	218	15	perceiving	perceive	VERB
emaj-167	218	16	that	that	DET
emaj-167	218	17	mobile	mobile	ADJ
emaj-167	218	18	banking	banking	NOUN
emaj-167	218	19	is	be	AUX
emaj-167	218	20	advantageous	advantageous	ADJ
emaj-167	218	21	and	and	CCONJ
emaj-167	218	22	make	make	VERB
emaj-167	218	23	service	service	NOUN
emaj-167	218	24	easier	easy	ADJ
emaj-167	218	25	(	(	PUNCT
emaj-167	218	26	akturan	akturan	ADJ
emaj-167	218	27	,	,	PUNCT
emaj-167	218	28	2012	2012	NUM
emaj-167	218	29	)	)	PUNCT
emaj-167	218	30	.	.	PUNCT
emaj-167	219	1	peu	peu	PROPN
emaj-167	219	2	is	be	AUX
emaj-167	219	3	found	find	VERB
emaj-167	219	4	to	to	PART
emaj-167	219	5	be	be	AUX
emaj-167	219	6	one	one	NUM
emaj-167	219	7	of	of	ADP
emaj-167	219	8	the	the	DET
emaj-167	219	9	important	important	ADJ
emaj-167	219	10	volume	volume	NOUN
emaj-167	219	11	9	9	NUM
emaj-167	219	12	no	no	DET
emaj-167	219	13	1	1	NUM
emaj-167	219	14	(	(	PUNCT
emaj-167	219	15	2019	2019	NUM
emaj-167	219	16	)	)	PUNCT
emaj-167	219	17	|	|	ADV
emaj-167	219	18	issn	issn	VERB
emaj-167	219	19	2158	2158	NUM
emaj-167	219	20	-	-	SYM
emaj-167	219	21	8708	8708	NUM
emaj-167	219	22	(	(	PUNCT
emaj-167	219	23	online	online	NOUN
emaj-167	219	24	)	)	PUNCT
emaj-167	219	25	|	|	ADV
emaj-167	219	26	doi	doi	X
emaj-167	219	27	10.5195	10.5195	NUM
emaj-167	219	28	/	/	SYM
emaj-167	219	29	emaj.2019.167	emaj.2019.167	NOUN
emaj-167	220	1	|	|	NOUN
emaj-167	220	2	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-167	220	3	factors	factor	NOUN
emaj-167	220	4	affecting	affect	VERB
emaj-167	220	5	attitudes	attitude	NOUN
emaj-167	220	6	towards	towards	ADP
emaj-167	220	7	adoption	adoption	NOUN
emaj-167	220	8	of	of	ADP
emaj-167	220	9	mobile	mobile	ADJ
emaj-167	220	10	banking	banking	NOUN
emaj-167	220	11	:	:	PUNCT
emaj-167	220	12	users	user	NOUN
emaj-167	220	13	and	and	CCONJ
emaj-167	220	14	non	non	NOUN
emaj-167	220	15	-	-	ADJ
emaj-167	220	16	users	user	NOUN
emaj-167	220	17	perspectives	perspective	NOUN
emaj-167	220	18	page	page	NOUN
emaj-167	220	19	|60|	|60|	NOUN
emaj-167	220	20	emerging	emerge	VERB
emaj-167	220	21	markets	market	NOUN
emaj-167	220	22	journal	journal	NOUN
emaj-167	220	23	factors	factor	NOUN
emaj-167	220	24	that	that	PRON
emaj-167	220	25	can	can	AUX
emaj-167	220	26	influence	influence	VERB
emaj-167	220	27	users	user	NOUN
emaj-167	220	28	and	and	CCONJ
emaj-167	220	29	nonusers	nonuser	NOUN
emaj-167	220	30	‘	‘	PART
emaj-167	220	31	attitude	attitude	NOUN
emaj-167	220	32	towards	towards	ADP
emaj-167	220	33	the	the	DET
emaj-167	220	34	adoption	adoption	NOUN
emaj-167	220	35	of	of	ADP
emaj-167	220	36	mobile	mobile	ADJ
emaj-167	220	37	banking	banking	NOUN
emaj-167	220	38	.	.	PUNCT
emaj-167	221	1	the	the	DET
emaj-167	221	2	findings	finding	NOUN
emaj-167	221	3	indicated	indicate	VERB
emaj-167	221	4	that	that	SCONJ
emaj-167	221	5	there	there	PRON
emaj-167	221	6	is	be	VERB
emaj-167	221	7	a	a	DET
emaj-167	221	8	moderate	moderate	ADJ
emaj-167	221	9	relationship	relationship	NOUN
emaj-167	221	10	between	between	ADP
emaj-167	221	11	perceived	perceive	VERB
emaj-167	221	12	ease	ease	NOUN
emaj-167	221	13	of	of	ADP
emaj-167	221	14	use	use	NOUN
emaj-167	221	15	and	and	CCONJ
emaj-167	221	16	attitude	attitude	NOUN
emaj-167	221	17	.	.	PUNCT
emaj-167	222	1	moreover	moreover	ADV
emaj-167	222	2	,	,	PUNCT
emaj-167	222	3	there	there	PRON
emaj-167	222	4	is	be	VERB
emaj-167	222	5	a	a	DET
emaj-167	222	6	difference	difference	NOUN
emaj-167	222	7	between	between	ADP
emaj-167	222	8	users	user	NOUN
emaj-167	222	9	and	and	CCONJ
emaj-167	222	10	nonusers	nonuser	NOUN
emaj-167	222	11	‘	'	PUNCT
emaj-167	222	12	perceived	perceive	VERB
emaj-167	222	13	ease	ease	NOUN
emaj-167	222	14	of	of	ADP
emaj-167	222	15	use	use	NOUN
emaj-167	222	16	on	on	ADP
emaj-167	222	17	the	the	DET
emaj-167	222	18	attitudes	attitude	NOUN
emaj-167	222	19	towards	towards	ADP
emaj-167	222	20	the	the	DET
emaj-167	222	21	adoption	adoption	NOUN
emaj-167	222	22	of	of	ADP
emaj-167	222	23	mobile	mobile	ADJ
emaj-167	222	24	banking	banking	NOUN
emaj-167	222	25	.	.	PUNCT
emaj-167	223	1	perceived	perceive	VERB
emaj-167	223	2	risks	risk	NOUN
emaj-167	223	3	are	be	AUX
emaj-167	223	4	factors	factor	NOUN
emaj-167	223	5	that	that	PRON
emaj-167	223	6	make	make	VERB
emaj-167	223	7	consumer	consumer	NOUN
emaj-167	223	8	contemplate	contemplate	NOUN
emaj-167	223	9	about	about	ADP
emaj-167	223	10	the	the	DET
emaj-167	223	11	nature	nature	NOUN
emaj-167	223	12	and	and	CCONJ
emaj-167	223	13	amount	amount	NOUN
emaj-167	223	14	of	of	ADP
emaj-167	223	15	risk	risk	NOUN
emaj-167	223	16	for	for	ADP
emaj-167	223	17	purchase	purchase	NOUN
emaj-167	223	18	decision	decision	NOUN
emaj-167	223	19	(	(	PUNCT
emaj-167	223	20	bauer	bauer	NOUN
emaj-167	223	21	,	,	PUNCT
emaj-167	223	22	1960	1960	NUM
emaj-167	223	23	)	)	PUNCT
emaj-167	223	24	.	.	PUNCT
emaj-167	224	1	the	the	DET
emaj-167	224	2	nature	nature	NOUN
emaj-167	224	3	of	of	ADP
emaj-167	224	4	risk	risk	NOUN
emaj-167	224	5	differs	differ	VERB
emaj-167	224	6	from	from	ADP
emaj-167	224	7	service	service	NOUN
emaj-167	224	8	to	to	ADP
emaj-167	224	9	service	service	NOUN
emaj-167	224	10	and	and	CCONJ
emaj-167	224	11	product	product	NOUN
emaj-167	224	12	to	to	ADP
emaj-167	224	13	product	product	NOUN
emaj-167	224	14	.	.	PUNCT
emaj-167	225	1	in	in	ADP
emaj-167	225	2	this	this	DET
emaj-167	225	3	study	study	NOUN
emaj-167	225	4	,	,	PUNCT
emaj-167	225	5	perceived	perceive	VERB
emaj-167	225	6	risk	risk	NOUN
emaj-167	225	7	has	have	VERB
emaj-167	225	8	no	no	DET
emaj-167	225	9	significant	significant	ADJ
emaj-167	225	10	relationship	relationship	NOUN
emaj-167	225	11	with	with	ADP
emaj-167	225	12	users	user	NOUN
emaj-167	225	13	and	and	CCONJ
emaj-167	225	14	nonusers	nonuser	NOUN
emaj-167	225	15	‘	‘	PART
emaj-167	225	16	attitude	attitude	NOUN
emaj-167	225	17	towards	towards	ADP
emaj-167	225	18	the	the	DET
emaj-167	225	19	adoption	adoption	NOUN
emaj-167	225	20	of	of	ADP
emaj-167	225	21	mobile	mobile	ADJ
emaj-167	225	22	banking	banking	NOUN
emaj-167	225	23	.	.	PUNCT
emaj-167	226	1	similarly	similarly	ADV
emaj-167	226	2	,	,	PUNCT
emaj-167	226	3	there	there	PRON
emaj-167	226	4	is	be	VERB
emaj-167	226	5	no	no	DET
emaj-167	226	6	significant	significant	ADJ
emaj-167	226	7	difference	difference	NOUN
emaj-167	226	8	between	between	ADP
emaj-167	226	9	users	user	NOUN
emaj-167	226	10	and	and	CCONJ
emaj-167	226	11	nonusers	nonuser	NOUN
emaj-167	226	12	‘	‘	PART
emaj-167	226	13	attitude	attitude	NOUN
emaj-167	226	14	towards	towards	ADP
emaj-167	226	15	the	the	DET
emaj-167	226	16	adoption	adoption	NOUN
emaj-167	226	17	of	of	ADP
emaj-167	226	18	mobile	mobile	ADJ
emaj-167	226	19	banking	banking	NOUN
emaj-167	226	20	regarding	regard	VERB
emaj-167	226	21	perceived	perceive	VERB
emaj-167	226	22	risk	risk	NOUN
emaj-167	226	23	.	.	PUNCT
emaj-167	227	1	shareef	shareef	PROPN
emaj-167	227	2	et	et	PROPN
emaj-167	227	3	al	al	PROPN
emaj-167	227	4	.	.	PROPN
emaj-167	227	5	(	(	PUNCT
emaj-167	227	6	2008	2008	NUM
emaj-167	227	7	)	)	PUNCT
emaj-167	227	8	defined	define	VERB
emaj-167	227	9	perceived	perceive	VERB
emaj-167	227	10	functional	functional	ADJ
emaj-167	227	11	benefit	benefit	NOUN
emaj-167	227	12	as	as	ADP
emaj-167	227	13	―the	―the	DET
emaj-167	227	14	degree	degree	NOUN
emaj-167	227	15	to	to	PART
emaj-167	227	16	which	which	PRON
emaj-167	227	17	consumers	consumer	NOUN
emaj-167	227	18	perceive	perceive	VERB
emaj-167	227	19	the	the	DET
emaj-167	227	20	overall	overall	ADJ
emaj-167	227	21	functional	functional	ADJ
emaj-167	227	22	benefits	benefit	NOUN
emaj-167	227	23	,	,	PUNCT
emaj-167	227	24	both	both	CCONJ
emaj-167	227	25	absolute	absolute	ADJ
emaj-167	227	26	and	and	CCONJ
emaj-167	227	27	relative	relative	ADJ
emaj-167	227	28	—	—	PUNCT
emaj-167	227	29	including	include	VERB
emaj-167	227	30	cost	cost	NOUN
emaj-167	227	31	,	,	PUNCT
emaj-167	227	32	time	time	NOUN
emaj-167	227	33	,	,	PUNCT
emaj-167	227	34	efficiency	efficiency	NOUN
emaj-167	227	35	,	,	PUNCT
emaj-167	227	36	and	and	CCONJ
emaj-167	227	37	effectiveness	effectiveness	NOUN
emaj-167	227	38	of	of	ADP
emaj-167	227	39	using	use	VERB
emaj-167	227	40	mobile	mobile	ADJ
emaj-167	227	41	banking	banking	NOUN
emaj-167	227	42	system	system	NOUN
emaj-167	227	43	—	—	PUNCT
emaj-167	227	44	instead	instead	ADV
emaj-167	227	45	of	of	ADP
emaj-167	227	46	using	use	VERB
emaj-167	227	47	traditional	traditional	ADJ
emaj-167	227	48	physical	physical	ADJ
emaj-167	227	49	office	office	NOUN
emaj-167	227	50	functions‖.	functions‖.	NUM
emaj-167	227	51	it	it	PRON
emaj-167	227	52	is	be	AUX
emaj-167	227	53	the	the	DET
emaj-167	227	54	users	user	NOUN
emaj-167	227	55	‘	'	PUNCT
emaj-167	227	56	comparison	comparison	NOUN
emaj-167	227	57	for	for	ADP
emaj-167	227	58	the	the	DET
emaj-167	227	59	services	service	NOUN
emaj-167	227	60	provided	provide	VERB
emaj-167	227	61	through	through	ADP
emaj-167	227	62	mobile	mobile	NOUN
emaj-167	227	63	with	with	ADP
emaj-167	227	64	other	other	ADJ
emaj-167	227	65	models	model	NOUN
emaj-167	227	66	of	of	ADP
emaj-167	227	67	services	service	NOUN
emaj-167	227	68	.	.	PUNCT
emaj-167	228	1	relative	relative	ADJ
emaj-167	228	2	advantage	advantage	NOUN
emaj-167	228	3	elicits	elicit	VERB
emaj-167	228	4	the	the	DET
emaj-167	228	5	consumers	consumer	NOUN
emaj-167	228	6	perceived	perceive	VERB
emaj-167	228	7	comparison	comparison	NOUN
emaj-167	228	8	for	for	ADP
emaj-167	228	9	a	a	DET
emaj-167	228	10	product	product	NOUN
emaj-167	228	11	in	in	ADP
emaj-167	228	12	relation	relation	NOUN
emaj-167	228	13	with	with	ADP
emaj-167	228	14	others	other	NOUN
emaj-167	228	15	(	(	PUNCT
emaj-167	228	16	shareef	shareef	PROPN
emaj-167	228	17	et	et	PROPN
emaj-167	228	18	al	al	PROPN
emaj-167	228	19	.	.	PROPN
emaj-167	228	20	,	,	PUNCT
emaj-167	228	21	2018	2018	NUM
emaj-167	228	22	)	)	PUNCT
emaj-167	228	23	.	.	PUNCT
emaj-167	229	1	this	this	PRON
emaj-167	229	2	involves	involve	VERB
emaj-167	229	3	factors	factor	NOUN
emaj-167	229	4	like	like	ADP
emaj-167	229	5	efficiency	efficiency	NOUN
emaj-167	229	6	,	,	PUNCT
emaj-167	229	7	cost	cost	NOUN
emaj-167	229	8	,	,	PUNCT
emaj-167	229	9	time	time	NOUN
emaj-167	229	10	,	,	PUNCT
emaj-167	229	11	and	and	CCONJ
emaj-167	229	12	effectiveness	effectiveness	NOUN
emaj-167	229	13	of	of	ADP
emaj-167	229	14	a	a	DET
emaj-167	229	15	given	give	VERB
emaj-167	229	16	product	product	NOUN
emaj-167	229	17	with	with	ADP
emaj-167	229	18	others	other	NOUN
emaj-167	229	19	.	.	PUNCT
emaj-167	230	1	the	the	DET
emaj-167	230	2	advent	advent	NOUN
emaj-167	230	3	of	of	ADP
emaj-167	230	4	technology	technology	NOUN
emaj-167	230	5	is	be	AUX
emaj-167	230	6	by	by	ADP
emaj-167	230	7	the	the	DET
emaj-167	230	8	assumption	assumption	NOUN
emaj-167	230	9	that	that	SCONJ
emaj-167	230	10	it	it	PRON
emaj-167	230	11	can	can	AUX
emaj-167	230	12	ease	ease	VERB
emaj-167	230	13	and	and	CCONJ
emaj-167	230	14	reach	reach	VERB
emaj-167	230	15	users	user	NOUN
emaj-167	230	16	with	with	ADP
emaj-167	230	17	minimum	minimum	ADJ
emaj-167	230	18	cost	cost	NOUN
emaj-167	230	19	and	and	CCONJ
emaj-167	230	20	effort	effort	NOUN
emaj-167	230	21	.	.	PUNCT
emaj-167	231	1	this	this	DET
emaj-167	231	2	study‘s	study‘s	NOUN
emaj-167	231	3	finding	finding	NOUN
emaj-167	231	4	indicated	indicate	VERB
emaj-167	231	5	that	that	SCONJ
emaj-167	231	6	relative	relative	ADJ
emaj-167	231	7	advantage	advantage	NOUN
emaj-167	231	8	has	have	VERB
emaj-167	231	9	a	a	DET
emaj-167	231	10	strong	strong	ADJ
emaj-167	231	11	positive	positive	ADJ
emaj-167	231	12	relationship	relationship	NOUN
emaj-167	231	13	between	between	ADP
emaj-167	231	14	users	user	NOUN
emaj-167	231	15	and	and	CCONJ
emaj-167	231	16	nonusers	nonuser	NOUN
emaj-167	231	17	‘	‘	PART
emaj-167	231	18	attitude	attitude	NOUN
emaj-167	231	19	towards	towards	ADP
emaj-167	231	20	the	the	DET
emaj-167	231	21	adoption	adoption	NOUN
emaj-167	231	22	of	of	ADP
emaj-167	231	23	mobile	mobile	ADJ
emaj-167	231	24	banking	banking	NOUN
emaj-167	231	25	.	.	PUNCT
emaj-167	232	1	this	this	DET
emaj-167	232	2	finding	finding	NOUN
emaj-167	232	3	is	be	AUX
emaj-167	232	4	similar	similar	ADJ
emaj-167	232	5	to	to	ADP
emaj-167	232	6	the	the	DET
emaj-167	232	7	existing	exist	VERB
emaj-167	232	8	literature‘s	literature‘s	NOUN
emaj-167	232	9	findings	finding	NOUN
emaj-167	232	10	like	like	ADP
emaj-167	232	11	akturan	akturan	VERB
emaj-167	232	12	and	and	CCONJ
emaj-167	232	13	tezcan	tezcan	ADJ
emaj-167	232	14	(	(	PUNCT
emaj-167	232	15	2012	2012	NUM
emaj-167	232	16	)	)	PUNCT
emaj-167	232	17	.	.	PUNCT
emaj-167	233	1	the	the	DET
emaj-167	233	2	existing	exist	VERB
emaj-167	233	3	beliefs	belief	NOUN
emaj-167	233	4	,	,	PUNCT
emaj-167	233	5	values	value	NOUN
emaj-167	233	6	,	,	PUNCT
emaj-167	233	7	experiences	experience	NOUN
emaj-167	233	8	,	,	PUNCT
emaj-167	233	9	and	and	CCONJ
emaj-167	233	10	habits	habit	NOUN
emaj-167	233	11	of	of	ADP
emaj-167	233	12	the	the	DET
emaj-167	233	13	consumers	consumer	NOUN
emaj-167	233	14	for	for	ADP
emaj-167	233	15	new	new	ADJ
emaj-167	233	16	innovation	innovation	NOUN
emaj-167	233	17	is	be	AUX
emaj-167	233	18	one	one	NUM
emaj-167	233	19	of	of	ADP
emaj-167	233	20	the	the	DET
emaj-167	233	21	influencing	influence	VERB
emaj-167	233	22	factors	factor	NOUN
emaj-167	233	23	for	for	ADP
emaj-167	233	24	attitudes	attitude	NOUN
emaj-167	233	25	towards	towards	ADP
emaj-167	233	26	the	the	DET
emaj-167	233	27	adoption	adoption	NOUN
emaj-167	233	28	of	of	ADP
emaj-167	233	29	mobile	mobile	ADJ
emaj-167	233	30	banking	banking	NOUN
emaj-167	233	31	(	(	PUNCT
emaj-167	233	32	chen	chen	PROPN
emaj-167	233	33	and	and	CCONJ
emaj-167	233	34	tan	tan	PROPN
emaj-167	233	35	,	,	PUNCT
emaj-167	233	36	2004	2004	NUM
emaj-167	233	37	;	;	PUNCT
emaj-167	233	38	sohail	sohail	PROPN
emaj-167	233	39	and	and	CCONJ
emaj-167	233	40	aljabr	aljabr	PROPN
emaj-167	233	41	,	,	PUNCT
emaj-167	233	42	2014	2014	NUM
emaj-167	233	43	)	)	PUNCT
emaj-167	233	44	.	.	PUNCT
emaj-167	234	1	the	the	DET
emaj-167	234	2	result	result	NOUN
emaj-167	234	3	indicates	indicate	VERB
emaj-167	234	4	that	that	SCONJ
emaj-167	234	5	there	there	PRON
emaj-167	234	6	is	be	VERB
emaj-167	234	7	a	a	DET
emaj-167	234	8	moderate	moderate	ADJ
emaj-167	234	9	relationship	relationship	NOUN
emaj-167	234	10	between	between	ADP
emaj-167	234	11	compatibility	compatibility	NOUN
emaj-167	234	12	and	and	CCONJ
emaj-167	234	13	users	user	NOUN
emaj-167	234	14	and	and	CCONJ
emaj-167	234	15	nonusers	nonuser	NOUN
emaj-167	234	16	‘	‘	PART
emaj-167	234	17	adoption	adoption	NOUN
emaj-167	234	18	of	of	ADP
emaj-167	234	19	mobile	mobile	ADJ
emaj-167	234	20	banking	banking	NOUN
emaj-167	234	21	.	.	PUNCT
emaj-167	235	1	in	in	ADP
emaj-167	235	2	the	the	DET
emaj-167	235	3	indian	indian	ADJ
emaj-167	235	4	context	context	NOUN
emaj-167	235	5	,	,	PUNCT
emaj-167	235	6	chawla	chawla	PROPN
emaj-167	235	7	(	(	PUNCT
emaj-167	235	8	2017	2017	NUM
emaj-167	235	9	)	)	PUNCT
emaj-167	235	10	also	also	ADV
emaj-167	235	11	found	find	VERB
emaj-167	235	12	that	that	SCONJ
emaj-167	235	13	lifestyle	lifestyle	NOUN
emaj-167	235	14	compatibility	compatibility	NOUN
emaj-167	235	15	has	have	VERB
emaj-167	235	16	a	a	DET
emaj-167	235	17	positive	positive	ADJ
emaj-167	235	18	and	and	CCONJ
emaj-167	235	19	significant	significant	ADJ
emaj-167	235	20	effect	effect	NOUN
emaj-167	235	21	on	on	ADP
emaj-167	235	22	user	user	NOUN
emaj-167	235	23	intention	intention	NOUN
emaj-167	235	24	.	.	PUNCT
emaj-167	236	1	moreover	moreover	ADV
emaj-167	236	2	,	,	PUNCT
emaj-167	236	3	there	there	PRON
emaj-167	236	4	is	be	VERB
emaj-167	236	5	a	a	DET
emaj-167	236	6	difference	difference	NOUN
emaj-167	236	7	between	between	ADP
emaj-167	236	8	users	user	NOUN
emaj-167	236	9	and	and	CCONJ
emaj-167	236	10	nonusers	nonuser	NOUN
emaj-167	236	11	on	on	ADP
emaj-167	236	12	the	the	DET
emaj-167	236	13	attitude	attitude	NOUN
emaj-167	236	14	towards	towards	ADP
emaj-167	236	15	the	the	DET
emaj-167	236	16	adoption	adoption	NOUN
emaj-167	236	17	of	of	ADP
emaj-167	236	18	mobile	mobile	ADJ
emaj-167	236	19	banking	banking	NOUN
emaj-167	236	20	vis	vis	X
emaj-167	236	21	-	-	X
emaj-167	236	22	à	à	X
emaj-167	236	23	-	-	NOUN
emaj-167	236	24	vis	vis	X
emaj-167	236	25	compatibility	compatibility	NOUN
emaj-167	236	26	.	.	PUNCT
emaj-167	237	1	vii	vii	PROPN
emaj-167	237	2	.	.	PROPN
emaj-167	237	3	conclusion	conclusion	PROPN
emaj-167	237	4	,	,	PUNCT
emaj-167	237	5	limitations	limitation	NOUN
emaj-167	237	6	and	and	CCONJ
emaj-167	237	7	future	future	ADJ
emaj-167	237	8	research	research	NOUN
emaj-167	237	9	directions	direction	NOUN
emaj-167	237	10	the	the	DET
emaj-167	237	11	factors	factor	NOUN
emaj-167	237	12	influencing	influence	VERB
emaj-167	237	13	users	user	NOUN
emaj-167	237	14	and	and	CCONJ
emaj-167	237	15	nonusers	nonuser	NOUN
emaj-167	237	16	‘	‘	PART
emaj-167	237	17	attitude	attitude	NOUN
emaj-167	237	18	towards	towards	ADP
emaj-167	237	19	the	the	DET
emaj-167	237	20	adoption	adoption	NOUN
emaj-167	237	21	of	of	ADP
emaj-167	237	22	mobile	mobile	ADJ
emaj-167	237	23	banking	banking	NOUN
emaj-167	237	24	one	one	NUM
emaj-167	237	25	of	of	ADP
emaj-167	237	26	the	the	DET
emaj-167	237	27	contemporary	contemporary	ADJ
emaj-167	237	28	research	research	NOUN
emaj-167	237	29	areas	area	NOUN
emaj-167	237	30	especially	especially	ADV
emaj-167	237	31	from	from	ADP
emaj-167	237	32	perspectives	perspective	NOUN
emaj-167	237	33	of	of	ADP
emaj-167	237	34	users	user	NOUN
emaj-167	237	35	in	in	ADP
emaj-167	237	36	emerging	emerge	VERB
emaj-167	237	37	markets	market	NOUN
emaj-167	237	38	and	and	CCONJ
emaj-167	237	39	developing	develop	VERB
emaj-167	237	40	countries	country	NOUN
emaj-167	237	41	with	with	ADP
emaj-167	237	42	the	the	DET
emaj-167	237	43	spread	spread	NOUN
emaj-167	237	44	of	of	ADP
emaj-167	237	45	technology	technology	NOUN
emaj-167	237	46	.	.	PUNCT
emaj-167	238	1	this	this	DET
emaj-167	238	2	study	study	NOUN
emaj-167	238	3	attempted	attempt	VERB
emaj-167	238	4	to	to	PART
emaj-167	238	5	identify	identify	VERB
emaj-167	238	6	and	and	CCONJ
emaj-167	238	7	indicate	indicate	VERB
emaj-167	238	8	the	the	DET
emaj-167	238	9	factors	factor	NOUN
emaj-167	238	10	influencing	influence	VERB
emaj-167	238	11	users	user	NOUN
emaj-167	238	12	and	and	CCONJ
emaj-167	238	13	nonusers	nonuser	NOUN
emaj-167	238	14	‘	‘	PART
emaj-167	238	15	adoption	adoption	NOUN
emaj-167	238	16	of	of	ADP
emaj-167	238	17	mobile	mobile	ADJ
emaj-167	238	18	banking	banking	NOUN
emaj-167	238	19	in	in	ADP
emaj-167	238	20	turkey	turkey	NOUN
emaj-167	238	21	.	.	PUNCT
emaj-167	239	1	moreover	moreover	ADV
emaj-167	239	2	,	,	PUNCT
emaj-167	239	3	the	the	DET
emaj-167	239	4	findings	finding	NOUN
emaj-167	239	5	of	of	ADP
emaj-167	239	6	this	this	DET
emaj-167	239	7	study	study	NOUN
emaj-167	239	8	identified	identify	VERB
emaj-167	239	9	and	and	CCONJ
emaj-167	239	10	indicated	indicate	VERB
emaj-167	239	11	how	how	SCONJ
emaj-167	239	12	users	user	NOUN
emaj-167	239	13	and	and	CCONJ
emaj-167	239	14	nonusers	nonuser	NOUN
emaj-167	239	15	‘	‘	PART
emaj-167	239	16	attitude	attitude	NOUN
emaj-167	239	17	is	be	AUX
emaj-167	239	18	influenced	influence	VERB
emaj-167	239	19	across	across	ADP
emaj-167	239	20	gender	gender	NOUN
emaj-167	239	21	and	and	CCONJ
emaj-167	239	22	level	level	NOUN
emaj-167	239	23	of	of	ADP
emaj-167	239	24	education	education	NOUN
emaj-167	239	25	.	.	PUNCT
emaj-167	240	1	the	the	DET
emaj-167	240	2	findings	finding	NOUN
emaj-167	240	3	indicated	indicate	VERB
emaj-167	240	4	the	the	DET
emaj-167	240	5	correlation	correlation	NOUN
emaj-167	240	6	between	between	ADP
emaj-167	240	7	four	four	NUM
emaj-167	240	8	of	of	ADP
emaj-167	240	9	the	the	DET
emaj-167	240	10	influencing	influence	VERB
emaj-167	240	11	variables	variable	NOUN
emaj-167	240	12	(	(	PUNCT
emaj-167	240	13	viz	viz	PROPN
emaj-167	240	14	.	.	PUNCT
emaj-167	240	15	trust	trust	PROPN
emaj-167	240	16	,	,	PUNCT
emaj-167	240	17	perceived	perceive	VERB
emaj-167	240	18	ease	ease	NOUN
emaj-167	240	19	of	of	ADP
emaj-167	240	20	use	use	NOUN
emaj-167	240	21	,	,	PUNCT
emaj-167	240	22	compatibility	compatibility	NOUN
emaj-167	240	23	,	,	PUNCT
emaj-167	240	24	and	and	CCONJ
emaj-167	240	25	relative	relative	ADJ
emaj-167	240	26	advantage	advantage	NOUN
emaj-167	240	27	)	)	PUNCT
emaj-167	240	28	and	and	CCONJ
emaj-167	240	29	users	user	NOUN
emaj-167	240	30	and	and	CCONJ
emaj-167	240	31	nonuser	nonuser	NOUN
emaj-167	240	32	adoption	adoption	NOUN
emaj-167	240	33	of	of	ADP
emaj-167	240	34	mobile	mobile	ADJ
emaj-167	240	35	banking	banking	NOUN
emaj-167	240	36	.	.	PUNCT
emaj-167	241	1	however	however	ADV
emaj-167	241	2	,	,	PUNCT
emaj-167	241	3	perceived	perceive	VERB
emaj-167	241	4	risk	risk	NOUN
emaj-167	241	5	found	find	VERB
emaj-167	241	6	to	to	PART
emaj-167	241	7	have	have	VERB
emaj-167	241	8	no	no	DET
emaj-167	241	9	relationship	relationship	NOUN
emaj-167	241	10	with	with	ADP
emaj-167	241	11	both	both	CCONJ
emaj-167	241	12	users	user	NOUN
emaj-167	241	13	and	and	CCONJ
emaj-167	241	14	nonusers	nonuser	NOUN
emaj-167	241	15	attitude	attitude	NOUN
emaj-167	241	16	towards	towards	ADP
emaj-167	241	17	the	the	DET
emaj-167	241	18	adoption	adoption	NOUN
emaj-167	241	19	of	of	ADP
emaj-167	241	20	mobile	mobile	ADJ
emaj-167	241	21	banking	banking	NOUN
emaj-167	241	22	.	.	PUNCT
emaj-167	242	1	managerially	managerially	PROPN
emaj-167	242	2	,	,	PUNCT
emaj-167	242	3	this	this	DET
emaj-167	242	4	study	study	NOUN
emaj-167	242	5	can	can	AUX
emaj-167	242	6	provide	provide	VERB
emaj-167	242	7	insights	insight	NOUN
emaj-167	242	8	about	about	ADP
emaj-167	242	9	how	how	SCONJ
emaj-167	242	10	users	user	NOUN
emaj-167	242	11	and	and	CCONJ
emaj-167	242	12	nonusers	nonuser	NOUN
emaj-167	242	13	attitude	attitude	NOUN
emaj-167	242	14	towards	towards	ADP
emaj-167	242	15	mobile	mobile	ADJ
emaj-167	242	16	banking	banking	NOUN
emaj-167	242	17	can	can	AUX
emaj-167	242	18	be	be	AUX
emaj-167	242	19	influenced	influence	VERB
emaj-167	242	20	.	.	PUNCT
emaj-167	243	1	this	this	PRON
emaj-167	243	2	lets	let	VERB
emaj-167	243	3	managers	manager	NOUN
emaj-167	243	4	focus	focus	VERB
emaj-167	243	5	their	their	PRON
emaj-167	243	6	innovation	innovation	NOUN
emaj-167	243	7	on	on	ADP
emaj-167	243	8	factors	factor	NOUN
emaj-167	243	9	like	like	ADP
emaj-167	243	10	lifestyle	lifestyle	NOUN
emaj-167	243	11	compatibility	compatibility	NOUN
emaj-167	243	12	that	that	PRON
emaj-167	243	13	fits	fit	VERB
emaj-167	243	14	with	with	ADP
emaj-167	243	15	different	different	ADJ
emaj-167	243	16	types	type	NOUN
emaj-167	243	17	of	of	ADP
emaj-167	243	18	customers	customer	NOUN
emaj-167	243	19	,	,	PUNCT
emaj-167	243	20	and	and	CCONJ
emaj-167	243	21	relative	relative	ADJ
emaj-167	243	22	advantage	advantage	NOUN
emaj-167	243	23	alongside	alongside	ADP
emaj-167	243	24	with	with	ADP
emaj-167	243	25	trust	trust	NOUN
emaj-167	243	26	and	and	CCONJ
emaj-167	243	27	perceived	perceive	VERB
emaj-167	243	28	ease	ease	NOUN
emaj-167	243	29	of	of	ADP
emaj-167	243	30	use	use	NOUN
emaj-167	243	31	.	.	PUNCT
emaj-167	244	1	moreover	moreover	ADV
emaj-167	244	2	,	,	PUNCT
emaj-167	244	3	the	the	DET
emaj-167	244	4	demographic	demographic	ADJ
emaj-167	244	5	differences	difference	NOUN
emaj-167	244	6	also	also	ADV
emaj-167	244	7	have	have	VERB
emaj-167	244	8	its	its	PRON
emaj-167	244	9	own	own	ADJ
emaj-167	244	10	implication	implication	NOUN
emaj-167	244	11	on	on	ADP
emaj-167	244	12	devising	devise	VERB
emaj-167	244	13	innovations	innovation	NOUN
emaj-167	244	14	that	that	PRON
emaj-167	244	15	consider	consider	VERB
emaj-167	244	16	those	those	DET
emaj-167	244	17	differences	difference	NOUN
emaj-167	244	18	.	.	PUNCT
emaj-167	245	1	this	this	DET
emaj-167	245	2	study	study	NOUN
emaj-167	245	3	had	have	VERB
emaj-167	245	4	the	the	DET
emaj-167	245	5	following	following	ADJ
emaj-167	245	6	limitations	limitation	NOUN
emaj-167	245	7	.	.	PUNCT
emaj-167	246	1	one	one	NUM
emaj-167	246	2	limitation	limitation	NOUN
emaj-167	246	3	is	be	AUX
emaj-167	246	4	the	the	DET
emaj-167	246	5	data	datum	NOUN
emaj-167	246	6	for	for	ADP
emaj-167	246	7	this	this	DET
emaj-167	246	8	study	study	NOUN
emaj-167	246	9	were	be	AUX
emaj-167	246	10	collected	collect	VERB
emaj-167	246	11	from	from	ADP
emaj-167	246	12	students	student	NOUN
emaj-167	246	13	which	which	PRON
emaj-167	246	14	would	would	AUX
emaj-167	246	15	have	have	VERB
emaj-167	246	16	more	more	ADJ
emaj-167	246	17	interest	interest	NOUN
emaj-167	246	18	to	to	PART
emaj-167	246	19	try	try	VERB
emaj-167	246	20	new	new	ADJ
emaj-167	246	21	innovation	innovation	NOUN
emaj-167	246	22	and	and	CCONJ
emaj-167	246	23	have	have	VERB
emaj-167	246	24	knowledge	knowledge	NOUN
emaj-167	246	25	about	about	ADP
emaj-167	246	26	new	new	ADJ
emaj-167	246	27	technology	technology	NOUN
emaj-167	246	28	.	.	PUNCT
emaj-167	247	1	concurrently	concurrently	ADV
emaj-167	247	2	,	,	PUNCT
emaj-167	247	3	the	the	DET
emaj-167	247	4	first	first	ADJ
emaj-167	247	5	limitation	limitation	NOUN
emaj-167	247	6	is	be	AUX
emaj-167	247	7	associated	associate	VERB
emaj-167	247	8	with	with	ADP
emaj-167	247	9	the	the	DET
emaj-167	247	10	second	second	ADJ
emaj-167	247	11	limitation	limitation	NOUN
emaj-167	247	12	which	which	PRON
emaj-167	247	13	is	be	AUX
emaj-167	247	14	pooling	pool	VERB
emaj-167	247	15	of	of	ADP
emaj-167	247	16	age	age	NOUN
emaj-167	247	17	groups	group	NOUN
emaj-167	247	18	to	to	PART
emaj-167	247	19	narrow	narrow	ADJ
emaj-167	247	20	domain	domain	NOUN
emaj-167	247	21	.	.	PUNCT
emaj-167	248	1	moreover	moreover	ADV
emaj-167	248	2	,	,	PUNCT
emaj-167	248	3	the	the	DET
emaj-167	248	4	study	study	NOUN
emaj-167	248	5	employed	employ	VERB
emaj-167	248	6	a	a	DET
emaj-167	248	7	convenience	convenience	NOUN
emaj-167	248	8	sampling	sampling	NOUN
emaj-167	248	9	technique	technique	NOUN
emaj-167	248	10	and	and	CCONJ
emaj-167	248	11	data	datum	NOUN
emaj-167	248	12	were	be	AUX
emaj-167	248	13	collected	collect	VERB
emaj-167	248	14	from	from	ADP
emaj-167	248	15	only	only	ADV
emaj-167	248	16	ankara	ankara	PROPN
emaj-167	248	17	turkey	turkey	PROPN
emaj-167	248	18	.	.	PUNCT
emaj-167	249	1	thus	thus	ADV
emaj-167	249	2	,	,	PUNCT
emaj-167	249	3	future	future	ADJ
emaj-167	249	4	research	research	NOUN
emaj-167	249	5	should	should	AUX
emaj-167	249	6	consider	consider	VERB
emaj-167	249	7	conducting	conduct	VERB
emaj-167	249	8	studies	study	NOUN
emaj-167	249	9	in	in	ADP
emaj-167	249	10	entire	entire	ADJ
emaj-167	249	11	turkey	turkey	NOUN
emaj-167	249	12	and	and	CCONJ
emaj-167	249	13	other	other	ADJ
emaj-167	249	14	settings	setting	NOUN
emaj-167	249	15	,	,	PUNCT
emaj-167	249	16	especially	especially	ADV
emaj-167	249	17	cross	cross	ADJ
emaj-167	249	18	-	-	ADJ
emaj-167	249	19	cultural	cultural	ADJ
emaj-167	249	20	studies	study	NOUN
emaj-167	249	21	.	.	PUNCT
emaj-167	250	1	to	to	PART
emaj-167	250	2	recall	recall	VERB
emaj-167	250	3	,	,	PUNCT
emaj-167	250	4	most	most	ADJ
emaj-167	250	5	of	of	ADP
emaj-167	250	6	the	the	DET
emaj-167	250	7	respondents	respondent	NOUN
emaj-167	250	8	were	be	AUX
emaj-167	250	9	users	user	NOUN
emaj-167	250	10	of	of	ADP
emaj-167	250	11	mobile	mobile	ADJ
emaj-167	250	12	banking	banking	NOUN
emaj-167	250	13	.	.	PUNCT
emaj-167	251	1	this	this	PRON
emaj-167	251	2	suggests	suggest	VERB
emaj-167	251	3	that	that	SCONJ
emaj-167	251	4	mobile	mobile	ADJ
emaj-167	251	5	banking	banking	NOUN
emaj-167	251	6	has	have	AUX
emaj-167	251	7	become	become	VERB
emaj-167	251	8	an	an	DET
emaj-167	251	9	established	establish	VERB
emaj-167	251	10	mode	mode	NOUN
emaj-167	251	11	of	of	ADP
emaj-167	251	12	service	service	NOUN
emaj-167	251	13	delivery	delivery	NOUN
emaj-167	251	14	.	.	PUNCT
emaj-167	252	1	therefore	therefore	ADV
emaj-167	252	2	,	,	PUNCT
emaj-167	252	3	future	future	ADJ
emaj-167	252	4	researchers	researcher	NOUN
emaj-167	252	5	should	should	AUX
emaj-167	252	6	consider	consider	VERB
emaj-167	252	7	studies	study	NOUN
emaj-167	252	8	on	on	ADP
emaj-167	252	9	the	the	DET
emaj-167	252	10	relationships	relationship	NOUN
emaj-167	252	11	between	between	ADP
emaj-167	252	12	service	service	NOUN
emaj-167	252	13	quality	quality	NOUN
emaj-167	252	14	,	,	PUNCT
emaj-167	252	15	users	user	NOUN
emaj-167	252	16	satisfaction	satisfaction	VERB
emaj-167	252	17	,	,	PUNCT
emaj-167	252	18	and	and	CCONJ
emaj-167	252	19	loyalty	loyalty	NOUN
emaj-167	252	20	to	to	ADP
emaj-167	252	21	the	the	DET
emaj-167	252	22	brand	brand	NOUN
emaj-167	252	23	.	.	PUNCT
emaj-167	253	1	references	reference	NOUN
emaj-167	253	2	baabdullah	baabdullah	VERB
emaj-167	253	3	,	,	PUNCT
emaj-167	253	4	a.m.	a.m.	ADV
emaj-167	253	5	,	,	PUNCT
emaj-167	253	6	alalwan	alalwan	PROPN
emaj-167	253	7	,	,	PUNCT
emaj-167	253	8	a.a	a.a	PROPN
emaj-167	253	9	.	.	PROPN
emaj-167	253	10	,	,	PUNCT
emaj-167	253	11	rana	rana	PROPN
emaj-167	253	12	,	,	PUNCT
emaj-167	253	13	n.p	n.p	PROPN
emaj-167	253	14	.	.	PROPN
emaj-167	253	15	,	,	PUNCT
emaj-167	253	16	kizgin	kizgin	PROPN
emaj-167	253	17	,	,	PUNCT
emaj-167	253	18	h.	h.	PROPN
emaj-167	253	19	&	&	CCONJ
emaj-167	253	20	patil	patil	PROPN
emaj-167	253	21	,	,	PUNCT
emaj-167	253	22	p.	p.	NOUN
emaj-167	253	23	(	(	PUNCT
emaj-167	253	24	2019	2019	NUM
emaj-167	253	25	)	)	PUNCT
emaj-167	253	26	.	.	PUNCT
emaj-167	254	1	consumer	consumer	NOUN
emaj-167	254	2	use	use	NOUN
emaj-167	254	3	of	of	ADP
emaj-167	254	4	mobile	mobile	ADJ
emaj-167	254	5	banking	banking	NOUN
emaj-167	254	6	(	(	PUNCT
emaj-167	254	7	m	m	NOUN
emaj-167	254	8	-	-	NOUN
emaj-167	254	9	banking	banking	NOUN
emaj-167	254	10	)	)	PUNCT
emaj-167	254	11	in	in	ADP
emaj-167	254	12	saudi	saudi	PROPN
emaj-167	254	13	arabia	arabia	PROPN
emaj-167	254	14	:	:	PUNCT
emaj-167	254	15	towards	towards	ADP
emaj-167	254	16	an	an	DET
emaj-167	254	17	integrated	integrated	ADJ
emaj-167	254	18	model	model	NOUN
emaj-167	254	19	.	.	PUNCT
emaj-167	255	1	international	international	ADJ
emaj-167	255	2	journal	journal	PROPN
emaj-167	255	3	of	of	ADP
emaj-167	255	4	information	information	NOUN
emaj-167	255	5	management	management	NOUN
emaj-167	255	6	,	,	PUNCT
emaj-167	255	7	44	44	NUM
emaj-167	255	8	,	,	PUNCT
emaj-167	255	9	38	38	NUM
emaj-167	255	10	–	–	SYM
emaj-167	255	11	52	52	NUM
emaj-167	255	12	.	.	PUNCT
emaj-167	256	1	bhattacherjee	bhattacherjee	NOUN
emaj-167	256	2	,	,	PUNCT
emaj-167	256	3	a.	a.	NOUN
emaj-167	256	4	(	(	PUNCT
emaj-167	256	5	2012	2012	NUM
emaj-167	256	6	)	)	PUNCT
emaj-167	256	7	.	.	PUNCT
emaj-167	257	1	social	social	ADJ
emaj-167	257	2	science	science	NOUN
emaj-167	257	3	research	research	NOUN
emaj-167	257	4	:	:	PUNCT
emaj-167	257	5	principles	principle	NOUN
emaj-167	257	6	,	,	PUNCT
emaj-167	257	7	methods	method	NOUN
emaj-167	257	8	,	,	PUNCT
emaj-167	257	9	and	and	CCONJ
emaj-167	257	10	practices	practice	NOUN
emaj-167	257	11	,	,	PUNCT
emaj-167	257	12	(	(	PUNCT
emaj-167	257	13	2nd	2nd	NOUN
emaj-167	257	14	edition	edition	NOUN
emaj-167	257	15	)	)	PUNCT
emaj-167	257	16	.	.	PUNCT
emaj-167	258	1	the	the	DET
emaj-167	258	2	global	global	ADJ
emaj-167	258	3	text	text	NOUN
emaj-167	258	4	project	project	NOUN
emaj-167	258	5	.	.	PUNCT
emaj-167	259	1	boateng	boateng	PROPN
emaj-167	259	2	,	,	PUNCT
emaj-167	259	3	h.	h.	PROPN
emaj-167	259	4	,	,	PUNCT
emaj-167	259	5	adam	adam	PROPN
emaj-167	259	6	,	,	PUNCT
emaj-167	259	7	d.r	d.r	PROPN
emaj-167	259	8	.	.	PROPN
emaj-167	259	9	,	,	PUNCT
emaj-167	259	10	okoe	okoe	PROPN
emaj-167	259	11	,	,	PUNCT
emaj-167	259	12	f.a	f.a	PROPN
emaj-167	259	13	.	.	PROPN
emaj-167	259	14	,	,	PUNCT
emaj-167	259	15	and	and	CCONJ
emaj-167	259	16	dorson	dorson	NOUN
emaj-167	259	17	,	,	PUNCT
emaj-167	259	18	t.a	t.a	PROPN
emaj-167	259	19	.	.	PROPN
emaj-167	259	20	(	(	PUNCT
emaj-167	259	21	2016	2016	NUM
emaj-167	259	22	)	)	PUNCT
emaj-167	259	23	.	.	PUNCT
emaj-167	260	1	assessing	assess	VERB
emaj-167	260	2	the	the	DET
emaj-167	260	3	determinants	determinant	NOUN
emaj-167	260	4	of	of	ADP
emaj-167	260	5	internet	internet	NOUN
emaj-167	260	6	banking	banking	NOUN
emaj-167	260	7	adoption	adoption	NOUN
emaj-167	260	8	intentions	intention	VERB
emaj-167	260	9	:	:	PUNCT
emaj-167	260	10	a	a	DET
emaj-167	260	11	social	social	ADJ
emaj-167	260	12	cognitive	cognitive	ADJ
emaj-167	260	13	theory	theory	NOUN
emaj-167	260	14	perspective	perspective	NOUN
emaj-167	260	15	.	.	PUNCT
emaj-167	261	1	computers	computer	NOUN
emaj-167	261	2	in	in	ADP
emaj-167	261	3	human	human	ADJ
emaj-167	261	4	behavior	behavior	NOUN
emaj-167	261	5	65	65	NUM
emaj-167	261	6	,	,	PUNCT
emaj-167	261	7	468	468	NUM
emaj-167	261	8	-	-	SYM
emaj-167	261	9	478	478	NUM
emaj-167	261	10	.	.	PUNCT
emaj-167	262	1	volume	volume	NOUN
emaj-167	262	2	9	9	NUM
emaj-167	262	3	no	no	DET
emaj-167	262	4	1	1	NUM
emaj-167	262	5	(	(	PUNCT
emaj-167	262	6	2019	2019	NUM
emaj-167	262	7	)	)	PUNCT
emaj-167	262	8	|	|	ADV
emaj-167	262	9	issn	issn	VERB
emaj-167	262	10	2158	2158	NUM
emaj-167	262	11	-	-	SYM
emaj-167	262	12	8708	8708	NUM
emaj-167	262	13	(	(	PUNCT
emaj-167	262	14	online	online	NOUN
emaj-167	262	15	)	)	PUNCT
emaj-167	262	16	|	|	ADV
emaj-167	262	17	doi	doi	X
emaj-167	262	18	10.5195	10.5195	NUM
emaj-167	262	19	/	/	SYM
emaj-167	262	20	emaj.2019.167	emaj.2019.167	NOUN
emaj-167	263	1	|	|	NOUN
emaj-167	263	2	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-167	263	3	cherinet	cherinet	PROPN
emaj-167	263	4	boke	boke	VERB
emaj-167	263	5	chakiso	chakiso	NOUN
emaj-167	263	6	emerging	emerge	VERB
emaj-167	263	7	markets	market	NOUN
emaj-167	263	8	journal	journal	NOUN
emaj-167	264	1	|	|	ADV
emaj-167	264	2	p	p	NOUN
emaj-167	264	3	a	a	DET
emaj-167	264	4	g	g	NOUN
emaj-167	264	5	e	e	NOUN
emaj-167	264	6	6	6	NUM
emaj-167	264	7	1	1	NUM
emaj-167	264	8	calhoun	calhoun	PROPN
emaj-167	264	9	,	,	PUNCT
emaj-167	264	10	k.j	k.j	PROPN
emaj-167	264	11	.	.	PROPN
emaj-167	264	12	,	,	PUNCT
emaj-167	264	13	teng	teng	PROPN
emaj-167	264	14	,	,	PUNCT
emaj-167	264	15	j.t.c	j.t.c	PROPN
emaj-167	264	16	.	.	PROPN
emaj-167	264	17	,	,	PUNCT
emaj-167	264	18	and	and	CCONJ
emaj-167	264	19	cheon	cheon	PROPN
emaj-167	264	20	,	,	PUNCT
emaj-167	264	21	m.j	m.j	PROPN
emaj-167	264	22	.	.	PROPN
emaj-167	264	23	,	,	PUNCT
emaj-167	264	24	(	(	PUNCT
emaj-167	264	25	2002	2002	NUM
emaj-167	264	26	)	)	PUNCT
emaj-167	264	27	.	.	PUNCT
emaj-167	265	1	impact	impact	NOUN
emaj-167	265	2	of	of	ADP
emaj-167	265	3	national	national	ADJ
emaj-167	265	4	culture	culture	NOUN
emaj-167	265	5	on	on	ADP
emaj-167	265	6	information	information	NOUN
emaj-167	265	7	technology	technology	NOUN
emaj-167	265	8	usage	usage	NOUN
emaj-167	265	9	behavior	behavior	NOUN
emaj-167	265	10	:	:	PUNCT
emaj-167	265	11	an	an	DET
emaj-167	265	12	exploratory	exploratory	ADJ
emaj-167	265	13	study	study	NOUN
emaj-167	265	14	of	of	ADP
emaj-167	265	15	decision	decision	NOUN
emaj-167	265	16	making	making	NOUN
emaj-167	265	17	in	in	ADP
emaj-167	265	18	korea	korea	PROPN
emaj-167	265	19	and	and	CCONJ
emaj-167	265	20	the	the	DET
emaj-167	265	21	usa	usa	PROPN
emaj-167	265	22	.	.	PROPN
emaj-167	265	23	behavior	behavior	PROPN
emaj-167	265	24	&	&	CCONJ
emaj-167	265	25	information	information	PROPN
emaj-167	265	26	technology	technology	NOUN
emaj-167	265	27	,	,	PUNCT
emaj-167	265	28	21	21	NUM
emaj-167	265	29	(	(	PUNCT
emaj-167	265	30	4	4	NUM
emaj-167	265	31	)	)	PUNCT
emaj-167	265	32	,	,	PUNCT
emaj-167	265	33	293–302	293–302	NUM
emaj-167	265	34	.	.	PUNCT
emaj-167	266	1	chakiso	chakiso	PROPN
emaj-167	266	2	,	,	PUNCT
emaj-167	266	3	c.b	c.b	PROPN
emaj-167	266	4	.	.	PROPN
emaj-167	266	5	(	(	PUNCT
emaj-167	266	6	2015	2015	NUM
emaj-167	266	7	)	)	PUNCT
emaj-167	266	8	.	.	PUNCT
emaj-167	267	1	the	the	DET
emaj-167	267	2	effect	effect	NOUN
emaj-167	267	3	of	of	ADP
emaj-167	267	4	relationship	relationship	NOUN
emaj-167	267	5	marketing	marketing	NOUN
emaj-167	267	6	on	on	ADP
emaj-167	267	7	customers	customer	NOUN
emaj-167	267	8	loyalty	loyalty	NOUN
emaj-167	267	9	:	:	PUNCT
emaj-167	267	10	evidence	evidence	NOUN
emaj-167	267	11	from	from	ADP
emaj-167	267	12	zemen	zemen	PROPN
emaj-167	267	13	bank	bank	PROPN
emaj-167	267	14	.	.	PUNCT
emaj-167	268	1	emerging	emerge	VERB
emaj-167	268	2	markets	market	NOUN
emaj-167	268	3	journal	journal	NOUN
emaj-167	268	4	,	,	PUNCT
emaj-167	268	5	volume	volume	NOUN
emaj-167	268	6	5	5	NUM
emaj-167	268	7	no	no	DET
emaj-167	268	8	2	2	NUM
emaj-167	268	9	,	,	PUNCT
emaj-167	268	10	doi	doi	X
emaj-167	268	11	10.5195	10.5195	NUM
emaj-167	268	12	/	/	SYM
emaj-167	268	13	emaj.2015.84	emaj.2015.84	PROPN
emaj-167	268	14	.	.	PUNCT
emaj-167	269	1	chawla	chawla	PROPN
emaj-167	269	2	,	,	PUNCT
emaj-167	269	3	d.	d.	PROPN
emaj-167	269	4	and	and	CCONJ
emaj-167	269	5	joshi	joshi	PROPN
emaj-167	269	6	,	,	PUNCT
emaj-167	269	7	h.	h.	PROPN
emaj-167	269	8	(	(	PUNCT
emaj-167	269	9	2017	2017	NUM
emaj-167	269	10	)	)	PUNCT
emaj-167	269	11	.	.	PUNCT
emaj-167	270	1	high	high	ADJ
emaj-167	270	2	versus	versus	ADP
emaj-167	270	3	low	low	ADJ
emaj-167	270	4	consumer	consumer	NOUN
emaj-167	270	5	attitude	attitude	NOUN
emaj-167	270	6	and	and	CCONJ
emaj-167	270	7	intention	intention	NOUN
emaj-167	270	8	towards	towards	ADP
emaj-167	270	9	adoption	adoption	NOUN
emaj-167	270	10	of	of	ADP
emaj-167	270	11	mobile	mobile	ADJ
emaj-167	270	12	banking	banking	NOUN
emaj-167	270	13	in	in	ADP
emaj-167	270	14	india	india	PROPN
emaj-167	270	15	:	:	PUNCT
emaj-167	270	16	an	an	DET
emaj-167	270	17	empirical	empirical	ADJ
emaj-167	270	18	study	study	NOUN
emaj-167	270	19	.	.	PUNCT
emaj-167	271	1	vision	vision	NOUN
emaj-167	271	2	,	,	PUNCT
emaj-167	271	3	21	21	NUM
emaj-167	271	4	(	(	PUNCT
emaj-167	271	5	4	4	NUM
emaj-167	271	6	)	)	PUNCT
emaj-167	271	7	,	,	PUNCT
emaj-167	271	8	1	1	NUM
emaj-167	271	9	-	-	SYM
emaj-167	271	10	15	15	NUM
emaj-167	271	11	.	.	PUNCT
emaj-167	272	1	cláudio	cláudio	PROPN
emaj-167	272	2	hoffmann	hoffmann	PROPN
emaj-167	272	3	sampaio	sampaio	PROPN
emaj-167	272	4	,	,	PUNCT
emaj-167	272	5	wagner	wagner	PROPN
emaj-167	272	6	junior	junior	PROPN
emaj-167	272	7	ladeira	ladeira	PROPN
emaj-167	272	8	,	,	PUNCT
emaj-167	272	9	fernando	fernando	PROPN
emaj-167	272	10	de	de	PROPN
emaj-167	272	11	oliveira	oliveira	PROPN
emaj-167	272	12	santini	santini	PROPN
emaj-167	272	13	,	,	PUNCT
emaj-167	272	14	"	"	PUNCT
emaj-167	272	15	apps	app	NOUN
emaj-167	272	16	for	for	ADP
emaj-167	272	17	mobile	mobile	ADJ
emaj-167	272	18	banking	banking	NOUN
emaj-167	272	19	and	and	CCONJ
emaj-167	272	20	customer	customer	NOUN
emaj-167	272	21	satisfaction	satisfaction	NOUN
emaj-167	272	22	:	:	PUNCT
emaj-167	272	23	a	a	DET
emaj-167	272	24	cross	cross	ADJ
emaj-167	272	25	-	-	ADJ
emaj-167	272	26	cultural	cultural	ADJ
emaj-167	272	27	study	study	NOUN
emaj-167	272	28	"	"	PUNCT
emaj-167	272	29	,	,	PUNCT
emaj-167	272	30	international	international	ADJ
emaj-167	272	31	journal	journal	NOUN
emaj-167	272	32	of	of	ADP
emaj-167	272	33	bank	bank	PROPN
emaj-167	272	34	marketing	marketing	NOUN
emaj-167	272	35	,	,	PUNCT
emaj-167	272	36	https://doi.org/10.1108/ijbm09-2015-0146	https://doi.org/10.1108/ijbm09-2015-0146	PROPN
emaj-167	272	37	cohen	cohen	PROPN
emaj-167	272	38	,	,	PUNCT
emaj-167	272	39	l.	l.	PROPN
emaj-167	272	40	manion	manion	PROPN
emaj-167	272	41	,	,	PUNCT
emaj-167	272	42	l.	l.	PROPN
emaj-167	272	43	and	and	CCONJ
emaj-167	272	44	morrison	morrison	PROPN
emaj-167	272	45	,	,	PUNCT
emaj-167	272	46	k.	k.	PROPN
emaj-167	272	47	,	,	PUNCT
emaj-167	272	48	(	(	PUNCT
emaj-167	272	49	2007	2007	NUM
emaj-167	272	50	)	)	PUNCT
emaj-167	272	51	.	.	PUNCT
emaj-167	273	1	research	research	NOUN
emaj-167	273	2	methods	method	NOUN
emaj-167	273	3	in	in	ADP
emaj-167	273	4	education	education	NOUN
emaj-167	273	5	.	.	PUNCT
emaj-167	274	1	(	(	PUNCT
emaj-167	274	2	6th	6th	ADJ
emaj-167	274	3	edition	edition	NOUN
emaj-167	274	4	)	)	PUNCT
emaj-167	274	5	,	,	PUNCT
emaj-167	274	6	routledge	routledge	PROPN
emaj-167	274	7	taylor	taylor	PROPN
emaj-167	274	8	&	&	CCONJ
emaj-167	274	9	francis	francis	PROPN
emaj-167	274	10	publications	publications	PROPN
emaj-167	274	11	group	group	PROPN
emaj-167	274	12	,	,	PUNCT
emaj-167	274	13	london	london	PROPN
emaj-167	274	14	and	and	CCONJ
emaj-167	274	15	new	new	PROPN
emaj-167	274	16	york	york	PROPN
emaj-167	274	17	.	.	PUNCT
emaj-167	275	1	davis	davis	PROPN
emaj-167	275	2	,	,	PUNCT
emaj-167	275	3	f.d	f.d	PROPN
emaj-167	275	4	.	.	PROPN
emaj-167	275	5	,	,	PUNCT
emaj-167	275	6	bagozzi	bagozzi	PROPN
emaj-167	275	7	,	,	PUNCT
emaj-167	275	8	r.p	r.p	PROPN
emaj-167	275	9	.	.	PROPN
emaj-167	275	10	,	,	PUNCT
emaj-167	275	11	and	and	CCONJ
emaj-167	275	12	warshaw	warshaw	ADJ
emaj-167	275	13	,	,	PUNCT
emaj-167	275	14	p.r	p.r	PROPN
emaj-167	275	15	.	.	PROPN
emaj-167	275	16	,	,	PUNCT
emaj-167	275	17	(	(	PUNCT
emaj-167	275	18	1989	1989	NUM
emaj-167	275	19	)	)	PUNCT
emaj-167	275	20	.	.	PUNCT
emaj-167	276	1	user	user	NOUN
emaj-167	276	2	acceptance	acceptance	NOUN
emaj-167	276	3	of	of	ADP
emaj-167	276	4	computer	computer	NOUN
emaj-167	276	5	technology	technology	NOUN
emaj-167	276	6	:	:	PUNCT
emaj-167	276	7	a	a	DET
emaj-167	276	8	comparison	comparison	NOUN
emaj-167	276	9	of	of	ADP
emaj-167	276	10	two	two	NUM
emaj-167	276	11	.	.	PUNCT
emaj-167	277	1	management	management	NOUN
emaj-167	277	2	science	science	NOUN
emaj-167	277	3	,	,	PUNCT
emaj-167	277	4	35	35	NUM
emaj-167	277	5	(	(	PUNCT
emaj-167	277	6	8)	8)	NUM
emaj-167	277	7	,	,	PUNCT
emaj-167	277	8	982–1002	982–1002	NUM
emaj-167	277	9	.	.	PUNCT
emaj-167	277	10	etzo	etzo	PROPN
emaj-167	277	11	,	,	PUNCT
emaj-167	277	12	s.	s.	PROPN
emaj-167	277	13	and	and	CCONJ
emaj-167	277	14	collender	collender	PROPN
emaj-167	277	15	,	,	PUNCT
emaj-167	277	16	g.	g.	PROPN
emaj-167	277	17	(	(	PUNCT
emaj-167	277	18	2010	2010	NUM
emaj-167	277	19	)	)	PUNCT
emaj-167	277	20	.	.	PUNCT
emaj-167	278	1	briefing	brief	VERB
emaj-167	278	2	the	the	DET
emaj-167	278	3	mobile	mobile	ADJ
emaj-167	278	4	phone	phone	NOUN
emaj-167	278	5	‗revolution	‗revolution	NOUN
emaj-167	278	6	‘	'	PUNCT
emaj-167	278	7	in	in	ADP
emaj-167	278	8	africa	africa	PROPN
emaj-167	278	9	:	:	PUNCT
emaj-167	278	10	rhetoric	rhetoric	NOUN
emaj-167	278	11	or	or	CCONJ
emaj-167	278	12	reality	reality	NOUN
emaj-167	278	13	?	?	PUNCT
emaj-167	279	1	african	african	ADJ
emaj-167	279	2	affairs	affair	NOUN
emaj-167	279	3	,	,	PUNCT
emaj-167	279	4	109/437	109/437	NUM
emaj-167	279	5	,	,	PUNCT
emaj-167	279	6	659–668	659–668	NUM
emaj-167	279	7	.	.	PUNCT
emaj-167	280	1	farah	farah	PROPN
emaj-167	280	2	,	,	PUNCT
emaj-167	280	3	m.f	m.f	PROPN
emaj-167	280	4	.	.	PROPN
emaj-167	280	5	,	,	PUNCT
emaj-167	280	6	hasni	hasni	PROPN
emaj-167	280	7	,	,	PUNCT
emaj-167	280	8	m.j.s	m.j.s	NOUN
emaj-167	280	9	.	.	PROPN
emaj-167	280	10	,	,	PUNCT
emaj-167	280	11	and	and	CCONJ
emaj-167	280	12	abbas	abbas	PROPN
emaj-167	280	13	,	,	PUNCT
emaj-167	280	14	a.k	a.k	PROPN
emaj-167	280	15	.	.	PROPN
emaj-167	280	16	(	(	PUNCT
emaj-167	280	17	2018	2018	NUM
emaj-167	280	18	)	)	PUNCT
emaj-167	280	19	.	.	PUNCT
emaj-167	281	1	mobile	mobile	ADJ
emaj-167	281	2	-	-	PUNCT
emaj-167	281	3	banking	banking	NOUN
emaj-167	281	4	adoption	adoption	NOUN
emaj-167	281	5	:	:	PUNCT
emaj-167	281	6	empirical	empirical	ADJ
emaj-167	281	7	evidence	evidence	NOUN
emaj-167	281	8	from	from	ADP
emaj-167	281	9	the	the	DET
emaj-167	281	10	banking	banking	NOUN
emaj-167	281	11	sector	sector	NOUN
emaj-167	281	12	in	in	ADP
emaj-167	281	13	pakistan	pakistan	PROPN
emaj-167	281	14	.	.	PUNCT
emaj-167	282	1	international	international	ADJ
emaj-167	282	2	journal	journal	PROPN
emaj-167	282	3	of	of	ADP
emaj-167	282	4	bank	bank	PROPN
emaj-167	282	5	marketing	marketing	NOUN
emaj-167	282	6	,	,	PUNCT
emaj-167	282	7	https://doi.org/10.1108/ijbm-10-2017-0215	https://doi.org/10.1108/ijbm-10-2017-0215	PROPN
emaj-167	282	8	.	.	PUNCT
emaj-167	282	9	featherman	featherman	PROPN
emaj-167	282	10	,	,	PUNCT
emaj-167	282	11	m.s	m.s	PROPN
emaj-167	282	12	.	.	PROPN
emaj-167	282	13	,	,	PUNCT
emaj-167	282	14	&	&	CCONJ
emaj-167	282	15	pavlou	pavlou	PROPN
emaj-167	282	16	,	,	PUNCT
emaj-167	282	17	p.a	p.a	PROPN
emaj-167	282	18	.	.	PROPN
emaj-167	282	19	(	(	PUNCT
emaj-167	282	20	2003	2003	NUM
emaj-167	282	21	)	)	PUNCT
emaj-167	282	22	.	.	PUNCT
emaj-167	283	1	predicting	predict	VERB
emaj-167	283	2	eservices	eservice	NOUN
emaj-167	283	3	adoption	adoption	NOUN
emaj-167	283	4	:	:	PUNCT
emaj-167	283	5	a	a	DET
emaj-167	283	6	perceived	perceive	VERB
emaj-167	283	7	risk	risk	NOUN
emaj-167	283	8	facets	facet	NOUN
emaj-167	283	9	perspective	perspective	NOUN
emaj-167	283	10	.	.	PUNCT
emaj-167	284	1	international	international	ADJ
emaj-167	284	2	journal	journal	PROPN
emaj-167	284	3	of	of	ADP
emaj-167	284	4	humancomputer	humancomputer	PROPN
emaj-167	284	5	studies	study	NOUN
emaj-167	284	6	,	,	PUNCT
emaj-167	284	7	59	59	NUM
emaj-167	284	8	,	,	PUNCT
emaj-167	284	9	451–474	451–474	NUM
emaj-167	284	10	.	.	PUNCT
emaj-167	285	1	forsythe	forsythe	PROPN
emaj-167	285	2	,	,	PUNCT
emaj-167	285	3	s.m	s.m	PROPN
emaj-167	285	4	.	.	PROPN
emaj-167	285	5	&	&	CCONJ
emaj-167	285	6	shi	shi	PROPN
emaj-167	285	7	,	,	PUNCT
emaj-167	285	8	b.	b.	PROPN
emaj-167	285	9	(	(	PUNCT
emaj-167	285	10	2003	2003	NUM
emaj-167	285	11	)	)	PUNCT
emaj-167	285	12	.	.	PUNCT
emaj-167	286	1	consumer	consumer	NOUN
emaj-167	286	2	patronage	patronage	NOUN
emaj-167	286	3	and	and	CCONJ
emaj-167	286	4	risk	risk	NOUN
emaj-167	286	5	perceptions	perception	NOUN
emaj-167	286	6	in	in	ADP
emaj-167	286	7	internet	internet	NOUN
emaj-167	286	8	shopping	shopping	NOUN
emaj-167	286	9	.	.	PUNCT
emaj-167	287	1	journal	journal	PROPN
emaj-167	287	2	of	of	ADP
emaj-167	287	3	business	business	NOUN
emaj-167	287	4	research	research	NOUN
emaj-167	287	5	,	,	PUNCT
emaj-167	287	6	56	56	NUM
emaj-167	287	7	(	(	PUNCT
emaj-167	287	8	2003	2003	NUM
emaj-167	287	9	)	)	PUNCT
emaj-167	287	10	867	867	NUM
emaj-167	287	11	–	–	PUNCT
emaj-167	287	12	875	875	NUM
emaj-167	287	13	.	.	PUNCT
emaj-167	288	1	gao	gao	PROPN
emaj-167	288	2	,	,	PUNCT
emaj-167	288	3	l.	l.	PROPN
emaj-167	288	4	,	,	PUNCT
emaj-167	288	5	&	&	CCONJ
emaj-167	288	6	waechter	waechter	PROPN
emaj-167	288	7	,	,	PUNCT
emaj-167	288	8	k.	k.	PROPN
emaj-167	288	9	a.	a.	PROPN
emaj-167	288	10	(	(	PUNCT
emaj-167	288	11	2015	2015	NUM
emaj-167	288	12	)	)	PUNCT
emaj-167	288	13	.	.	PUNCT
emaj-167	289	1	examining	examine	VERB
emaj-167	289	2	the	the	DET
emaj-167	289	3	role	role	NOUN
emaj-167	289	4	of	of	ADP
emaj-167	289	5	initial	initial	ADJ
emaj-167	289	6	trust	trust	NOUN
emaj-167	289	7	in	in	ADP
emaj-167	289	8	user	user	NOUN
emaj-167	289	9	adoption	adoption	NOUN
emaj-167	289	10	of	of	ADP
emaj-167	289	11	mobile	mobile	ADJ
emaj-167	289	12	payment	payment	NOUN
emaj-167	289	13	services	service	NOUN
emaj-167	289	14	:	:	PUNCT
emaj-167	289	15	an	an	DET
emaj-167	289	16	empirical	empirical	ADJ
emaj-167	289	17	investigation	investigation	NOUN
emaj-167	289	18	.	.	PUNCT
emaj-167	290	1	information	information	NOUN
emaj-167	290	2	system	system	NOUN
emaj-167	290	3	frontiers	frontier	NOUN
emaj-167	290	4	,	,	PUNCT
emaj-167	290	5	19	19	NUM
emaj-167	290	6	,	,	PUNCT
emaj-167	290	7	525–548	525–548	NUM
emaj-167	290	8	.	.	PUNCT
emaj-167	290	9	jacoby	jacoby	PROPN
emaj-167	290	10	,	,	PUNCT
emaj-167	290	11	j.	j.	PROPN
emaj-167	290	12	and	and	CCONJ
emaj-167	290	13	kaplan	kaplan	PROPN
emaj-167	290	14	,	,	PUNCT
emaj-167	290	15	l.b	l.b	PROPN
emaj-167	290	16	.	.	PROPN
emaj-167	290	17	(	(	PUNCT
emaj-167	290	18	1972	1972	NUM
emaj-167	290	19	)	)	PUNCT
emaj-167	290	20	.	.	PUNCT
emaj-167	291	1	the	the	DET
emaj-167	291	2	components	component	NOUN
emaj-167	291	3	of	of	ADP
emaj-167	291	4	perceived	perceive	VERB
emaj-167	291	5	risk	risk	NOUN
emaj-167	291	6	,	,	PUNCT
emaj-167	291	7	in	in	ADP
emaj-167	291	8	venkatesan	venkatesan	NOUN
emaj-167	291	9	,	,	PUNCT
emaj-167	291	10	m.	m.	NOUN
emaj-167	291	11	(	(	PUNCT
emaj-167	291	12	ed	ed	NOUN
emaj-167	291	13	.	.	PUNCT
emaj-167	291	14	)	)	PUNCT
emaj-167	291	15	,	,	PUNCT
emaj-167	291	16	third	third	ADJ
emaj-167	291	17	annual	annual	ADJ
emaj-167	291	18	conference	conference	NOUN
emaj-167	291	19	of	of	ADP
emaj-167	291	20	the	the	DET
emaj-167	291	21	association	association	NOUN
emaj-167	291	22	for	for	ADP
emaj-167	291	23	consumer	consumer	NOUN
emaj-167	291	24	research	research	NOUN
emaj-167	291	25	,	,	PUNCT
emaj-167	291	26	association	association	NOUN
emaj-167	291	27	for	for	ADP
emaj-167	291	28	consumer	consumer	NOUN
emaj-167	291	29	research	research	NOUN
emaj-167	291	30	,	,	PUNCT
emaj-167	291	31	college	college	NOUN
emaj-167	291	32	park	park	NOUN
emaj-167	291	33	,	,	PUNCT
emaj-167	291	34	md	md	PROPN
emaj-167	291	35	,	,	PUNCT
emaj-167	291	36	382	382	NUM
emaj-167	291	37	-	-	SYM
emaj-167	291	38	93	93	NUM
emaj-167	291	39	.	.	PUNCT
emaj-167	292	1	kaplan	kaplan	PROPN
emaj-167	292	2	,	,	PUNCT
emaj-167	292	3	l.b	l.b	PROPN
emaj-167	292	4	.	.	PROPN
emaj-167	292	5	,	,	PUNCT
emaj-167	292	6	jacoby	jacoby	PROPN
emaj-167	292	7	,	,	PUNCT
emaj-167	292	8	j.	j.	PROPN
emaj-167	292	9	and	and	CCONJ
emaj-167	292	10	szybillo	szybillo	PROPN
emaj-167	292	11	,	,	PUNCT
emaj-167	292	12	g.	g.	PROPN
emaj-167	292	13	(	(	PUNCT
emaj-167	292	14	1974	1974	NUM
emaj-167	292	15	)	)	PUNCT
emaj-167	292	16	.	.	PUNCT
emaj-167	293	1	components	component	NOUN
emaj-167	293	2	of	of	ADP
emaj-167	293	3	perceived	perceive	VERB
emaj-167	293	4	risk	risk	NOUN
emaj-167	293	5	in	in	ADP
emaj-167	293	6	product	product	NOUN
emaj-167	293	7	purchase	purchase	NOUN
emaj-167	293	8	:	:	PUNCT
emaj-167	293	9	a	a	DET
emaj-167	293	10	cross	cross	NOUN
emaj-167	293	11	-	-	NOUN
emaj-167	293	12	validation	validation	ADJ
emaj-167	293	13	.	.	PUNCT
emaj-167	294	1	journal	journal	NOUN
emaj-167	294	2	of	of	ADP
emaj-167	294	3	applied	apply	VERB
emaj-167	294	4	psychology	psychology	NOUN
emaj-167	294	5	,	,	PUNCT
emaj-167	294	6	vol	vol	NOUN
emaj-167	294	7	.	.	PROPN
emaj-167	295	1	59	59	NUM
emaj-167	295	2	no	no	NOUN
emaj-167	295	3	.	.	NOUN
emaj-167	296	1	3	3	NUM
emaj-167	296	2	,	,	PUNCT
emaj-167	296	3	287	287	NUM
emaj-167	296	4	-	-	SYM
emaj-167	296	5	91	91	NUM
emaj-167	296	6	.	.	PUNCT
emaj-167	297	1	khasawneh	khasawneh	PROPN
emaj-167	297	2	,	,	PUNCT
emaj-167	297	3	m.h	m.h	PROPN
emaj-167	297	4	.	.	PROPN
emaj-167	297	5	(	(	PUNCT
emaj-167	297	6	2015	2015	NUM
emaj-167	297	7	)	)	PUNCT
emaj-167	297	8	.	.	PUNCT
emaj-167	298	1	an	an	DET
emaj-167	298	2	empirical	empirical	ADJ
emaj-167	298	3	examination	examination	NOUN
emaj-167	298	4	of	of	ADP
emaj-167	298	5	consumer	consumer	NOUN
emaj-167	298	6	adoption	adoption	NOUN
emaj-167	298	7	of	of	ADP
emaj-167	298	8	mobile	mobile	ADJ
emaj-167	298	9	banking	banking	NOUN
emaj-167	298	10	(	(	PUNCT
emaj-167	298	11	mbanking	mbanking	NOUN
emaj-167	298	12	)	)	PUNCT
emaj-167	298	13	in	in	ADP
emaj-167	298	14	jordan	jordan	PROPN
emaj-167	298	15	.	.	PUNCT
emaj-167	299	1	journal	journal	PROPN
emaj-167	299	2	of	of	ADP
emaj-167	299	3	internet	internet	PROPN
emaj-167	299	4	commerce	commerce	PROPN
emaj-167	299	5	,	,	PUNCT
emaj-167	299	6	14:341–362	14:341–362	PROPN
emaj-167	299	7	.	.	PUNCT
emaj-167	300	1	kidane	kidane	PROPN
emaj-167	300	2	assefa	assefa	PROPN
emaj-167	300	3	,	,	PUNCT
emaj-167	300	4	(	(	PUNCT
emaj-167	300	5	2012	2012	NUM
emaj-167	300	6	)	)	PUNCT
emaj-167	300	7	.	.	PUNCT
emaj-167	301	1	relationship	relationship	NOUN
emaj-167	301	2	marketing	marketing	NOUN
emaj-167	301	3	in	in	ADP
emaj-167	301	4	the	the	DET
emaj-167	301	5	hotel	hotel	NOUN
emaj-167	301	6	industry	industry	NOUN
emaj-167	301	7	:	:	PUNCT
emaj-167	301	8	the	the	DET
emaj-167	301	9	nexus	nexus	NOUN
emaj-167	301	10	between	between	ADP
emaj-167	301	11	concepts	concept	NOUN
emaj-167	301	12	and	and	CCONJ
emaj-167	301	13	practices	practice	NOUN
emaj-167	301	14	(	(	PUNCT
emaj-167	301	15	a	a	DET
emaj-167	301	16	case	case	NOUN
emaj-167	301	17	of	of	ADP
emaj-167	301	18	ghion	ghion	NOUN
emaj-167	301	19	hotel	hotel	NOUN
emaj-167	301	20	,	,	PUNCT
emaj-167	301	21	addis	addis	PROPN
emaj-167	301	22	ababa	ababa	PROPN
emaj-167	301	23	branch	branch	PROPN
emaj-167	301	24	,	,	PUNCT
emaj-167	301	25	ethiopia	ethiopia	PROPN
emaj-167	301	26	)	)	PUNCT
emaj-167	301	27	.	.	PUNCT
emaj-167	302	1	unpublished	unpublished	ADJ
emaj-167	302	2	ma	ma	PROPN
emaj-167	302	3	project	project	PROPN
emaj-167	302	4	.	.	PUNCT
emaj-167	303	1	addis	addis	PROPN
emaj-167	303	2	ababa	ababa	PROPN
emaj-167	303	3	university	university	PROPN
emaj-167	303	4	.	.	PUNCT
emaj-167	304	1	kim	kim	PROPN
emaj-167	304	2	,	,	PUNCT
emaj-167	304	3	g.	g.	PROPN
emaj-167	304	4	,	,	PUNCT
emaj-167	304	5	shin	shin	PROPN
emaj-167	304	6	,	,	PUNCT
emaj-167	304	7	b.	b.	PROPN
emaj-167	304	8	,	,	PUNCT
emaj-167	304	9	&	&	CCONJ
emaj-167	304	10	lee	lee	PROPN
emaj-167	304	11	,	,	PUNCT
emaj-167	304	12	h.g	h.g	PROPN
emaj-167	304	13	.	.	PUNCT
emaj-167	304	14	(	(	PUNCT
emaj-167	304	15	2009	2009	NUM
emaj-167	304	16	)	)	PUNCT
emaj-167	304	17	.	.	PUNCT
emaj-167	305	1	understanding	understand	VERB
emaj-167	305	2	dynamics	dynamic	NOUN
emaj-167	305	3	between	between	ADP
emaj-167	305	4	initial	initial	ADJ
emaj-167	305	5	trust	trust	NOUN
emaj-167	305	6	and	and	CCONJ
emaj-167	305	7	usage	usage	NOUN
emaj-167	305	8	intentions	intention	NOUN
emaj-167	305	9	of	of	ADP
emaj-167	305	10	mobile	mobile	ADJ
emaj-167	305	11	banking	banking	NOUN
emaj-167	305	12	.	.	PUNCT
emaj-167	306	1	info	info	NOUN
emaj-167	306	2	systems	systems	PROPN
emaj-167	306	3	journal	journal	PROPN
emaj-167	306	4	,	,	PUNCT
emaj-167	306	5	19	19	NUM
emaj-167	306	6	,	,	PUNCT
emaj-167	306	7	283–311	283–311	NUM
emaj-167	306	8	.	.	PUNCT
emaj-167	307	1	koenig	koenig	PROPN
emaj-167	307	2	-	-	PUNCT
emaj-167	307	3	lewis	lewis	PROPN
emaj-167	307	4	,	,	PUNCT
emaj-167	307	5	n.	n.	NOUN
emaj-167	307	6	,	,	PUNCT
emaj-167	307	7	palmer	palmer	PROPN
emaj-167	307	8	,	,	PUNCT
emaj-167	307	9	a.	a.	NOUN
emaj-167	307	10	and	and	CCONJ
emaj-167	307	11	moll	moll	PROPN
emaj-167	307	12	,	,	PUNCT
emaj-167	307	13	a.	a.	NOUN
emaj-167	307	14	(	(	PUNCT
emaj-167	307	15	2010	2010	NUM
emaj-167	307	16	)	)	PUNCT
emaj-167	307	17	.	.	PUNCT
emaj-167	308	1	predicting	predict	VERB
emaj-167	308	2	young	young	ADJ
emaj-167	308	3	consumers	consumer	NOUN
emaj-167	308	4	'	'	PART
emaj-167	308	5	take	take	VERB
emaj-167	308	6	up	up	ADP
emaj-167	308	7	of	of	ADP
emaj-167	308	8	mobile	mobile	ADJ
emaj-167	308	9	banking	banking	NOUN
emaj-167	308	10	services	service	NOUN
emaj-167	308	11	.	.	PUNCT
emaj-167	309	1	international	international	ADJ
emaj-167	309	2	journal	journal	PROPN
emaj-167	309	3	of	of	ADP
emaj-167	309	4	bank	bank	NOUN
emaj-167	309	5	marketing	marketing	NOUN
emaj-167	309	6	28(5	28(5	NUM
emaj-167	309	7	)	)	PUNCT
emaj-167	309	8	,	,	PUNCT
emaj-167	309	9	pp	pp	PROPN
emaj-167	309	10	.	.	PUNCT
emaj-167	310	1	410	410	NUM
emaj-167	310	2	-	-	SYM
emaj-167	310	3	432	432	NUM
emaj-167	310	4	.	.	PUNCT
emaj-167	311	1	kolodinsky	kolodinsky	PROPN
emaj-167	311	2	,	,	PUNCT
emaj-167	311	3	j.m	j.m	PROPN
emaj-167	311	4	.	.	PROPN
emaj-167	311	5	,	,	PUNCT
emaj-167	311	6	hogarth	hogarth	NOUN
emaj-167	311	7	,	,	PUNCT
emaj-167	311	8	j.m	j.m	PROPN
emaj-167	311	9	.	.	PROPN
emaj-167	311	10	,	,	PUNCT
emaj-167	311	11	hilgert	hilgert	PROPN
emaj-167	311	12	,	,	PUNCT
emaj-167	311	13	m.a	m.a	PROPN
emaj-167	311	14	.	.	PROPN
emaj-167	311	15	(	(	PUNCT
emaj-167	311	16	2004	2004	NUM
emaj-167	311	17	)	)	PUNCT
emaj-167	311	18	.	.	PUNCT
emaj-167	312	1	the	the	DET
emaj-167	312	2	adoption	adoption	NOUN
emaj-167	312	3	of	of	ADP
emaj-167	312	4	electronic	electronic	ADJ
emaj-167	312	5	banking	banking	NOUN
emaj-167	312	6	technologies	technology	NOUN
emaj-167	312	7	by	by	ADP
emaj-167	312	8	us	us	PROPN
emaj-167	312	9	consumers	consumer	NOUN
emaj-167	312	10	.	.	PUNCT
emaj-167	313	1	the	the	DET
emaj-167	313	2	international	international	ADJ
emaj-167	313	3	journal	journal	NOUN
emaj-167	313	4	of	of	ADP
emaj-167	313	5	bank	bank	PROPN
emaj-167	313	6	marketing	marketing	NOUN
emaj-167	313	7	,	,	PUNCT
emaj-167	313	8	vol	vol	NOUN
emaj-167	313	9	.	.	PROPN
emaj-167	313	10	22	22	NUM
emaj-167	313	11	no	no	NOUN
emaj-167	313	12	.	.	NOUN
emaj-167	313	13	4	4	NUM
emaj-167	313	14	,	,	PUNCT
emaj-167	313	15	pp	pp	ADJ
emaj-167	313	16	.	.	PUNCT
emaj-167	314	1	238	238	NUM
emaj-167	314	2	-	-	SYM
emaj-167	314	3	259	259	NUM
emaj-167	314	4	.	.	PUNCT
emaj-167	315	1	kothari	kothari	PROPN
emaj-167	315	2	,	,	PUNCT
emaj-167	315	3	c.r	c.r	PROPN
emaj-167	315	4	.	.	PROPN
emaj-167	315	5	(	(	PUNCT
emaj-167	315	6	2004	2004	NUM
emaj-167	315	7	)	)	PUNCT
emaj-167	315	8	.	.	PUNCT
emaj-167	316	1	research	research	NOUN
emaj-167	316	2	methodology	methodology	NOUN
emaj-167	316	3	methods	method	NOUN
emaj-167	316	4	and	and	CCONJ
emaj-167	316	5	techniques	technique	NOUN
emaj-167	316	6	.	.	PUNCT
emaj-167	317	1	(	(	PUNCT
emaj-167	317	2	2nd	2nd	PROPN
emaj-167	317	3	edition	edition	NOUN
emaj-167	317	4	)	)	PUNCT
emaj-167	317	5	.	.	PUNCT
emaj-167	318	1	new	new	ADJ
emaj-167	318	2	age	age	NOUN
emaj-167	318	3	international	international	ADJ
emaj-167	318	4	publishers	publisher	NOUN
emaj-167	318	5	,	,	PUNCT
emaj-167	318	6	india	india	PROPN
emaj-167	318	7	.	.	PUNCT
emaj-167	318	8	kotler	kotler	PROPN
emaj-167	318	9	,	,	PUNCT
emaj-167	318	10	p.	p.	NOUN
emaj-167	318	11	and	and	CCONJ
emaj-167	318	12	keller	keller	PROPN
emaj-167	318	13	,	,	PUNCT
emaj-167	318	14	k.l	k.l	PROPN
emaj-167	318	15	.	.	PROPN
emaj-167	318	16	(	(	PUNCT
emaj-167	318	17	2012	2012	NUM
emaj-167	318	18	)	)	PUNCT
emaj-167	318	19	.	.	PUNCT
emaj-167	319	1	marketing	marketing	NOUN
emaj-167	319	2	management	management	NOUN
emaj-167	319	3	.	.	PUNCT
emaj-167	320	1	14th	14th	ADJ
emaj-167	320	2	edition	edition	NOUN
emaj-167	320	3	.	.	PUNCT
emaj-167	321	1	pearson	pearson	PROPN
emaj-167	321	2	education	education	PROPN
emaj-167	321	3	inc	inc	PROPN
emaj-167	321	4	.	.	PROPN
emaj-167	321	5	laforet	laforet	PROPN
emaj-167	321	6	and	and	CCONJ
emaj-167	321	7	li	li	PROPN
emaj-167	321	8	(	(	PUNCT
emaj-167	321	9	2005	2005	NUM
emaj-167	321	10	)	)	PUNCT
emaj-167	321	11	.	.	PUNCT
emaj-167	322	1	consumers	consumer	NOUN
emaj-167	322	2	‘	‘	PART
emaj-167	322	3	attitudes	attitude	NOUN
emaj-167	322	4	towards	towards	ADP
emaj-167	322	5	online	online	ADJ
emaj-167	322	6	and	and	CCONJ
emaj-167	322	7	mobile	mobile	ADJ
emaj-167	322	8	banking	banking	NOUN
emaj-167	322	9	in	in	ADP
emaj-167	322	10	china	china	PROPN
emaj-167	322	11	.	.	PUNCT
emaj-167	323	1	international	international	ADJ
emaj-167	323	2	journal	journal	PROPN
emaj-167	323	3	of	of	ADP
emaj-167	323	4	bank	bank	PROPN
emaj-167	323	5	marketing	marketing	NOUN
emaj-167	323	6	,	,	PUNCT
emaj-167	323	7	vol	vol	NOUN
emaj-167	323	8	.	.	PROPN
emaj-167	323	9	23	23	NUM
emaj-167	324	1	no	no	NOUN
emaj-167	324	2	.	.	NOUN
emaj-167	324	3	5	5	NUM
emaj-167	324	4	,	,	PUNCT
emaj-167	324	5	pp	pp	ADJ
emaj-167	324	6	.	.	PUNCT
emaj-167	325	1	362	362	NUM
emaj-167	325	2	-	-	SYM
emaj-167	325	3	380	380	NUM
emaj-167	325	4	.	.	PUNCT
emaj-167	326	1	laukkanen	laukkanen	ADJ
emaj-167	326	2	,	,	PUNCT
emaj-167	326	3	t.	t.	PROPN
emaj-167	326	4	(	(	PUNCT
emaj-167	326	5	2017	2017	NUM
emaj-167	326	6	)	)	PUNCT
emaj-167	326	7	.	.	PUNCT
emaj-167	327	1	mobile	mobile	ADJ
emaj-167	327	2	banking	banking	NOUN
emaj-167	327	3	.	.	PUNCT
emaj-167	328	1	international	international	ADJ
emaj-167	328	2	journal	journal	PROPN
emaj-167	328	3	of	of	ADP
emaj-167	328	4	bank	bank	PROPN
emaj-167	328	5	marketing	marketing	NOUN
emaj-167	328	6	,	,	PUNCT
emaj-167	328	7	vol	vol	NOUN
emaj-167	328	8	.	.	PROPN
emaj-167	328	9	35	35	NUM
emaj-167	328	10	issue	issue	NOUN
emaj-167	328	11	:	:	PUNCT
emaj-167	328	12	7	7	NUM
emaj-167	328	13	,	,	PUNCT
emaj-167	328	14	pp.1042	pp.1042	NOUN
emaj-167	328	15	-	-	PUNCT
emaj-167	328	16	1043	1043	NUM
emaj-167	328	17	,	,	PUNCT
emaj-167	328	18	https://doi.org/10.1108/ijbm10-2017-0218	https://doi.org/10.1108/ijbm10-2017-0218	NOUN
emaj-167	328	19	.	.	PUNCT
emaj-167	329	1	laukkanen	laukkanen	ADJ
emaj-167	329	2	,	,	PUNCT
emaj-167	329	3	t.	t.	PROPN
emaj-167	329	4	,	,	PUNCT
emaj-167	329	5	&	&	CCONJ
emaj-167	329	6	pasanen	pasanen	PROPN
emaj-167	329	7	,	,	PUNCT
emaj-167	329	8	m.	m.	NOUN
emaj-167	329	9	(	(	PUNCT
emaj-167	329	10	2008	2008	NUM
emaj-167	329	11	)	)	PUNCT
emaj-167	329	12	.	.	PUNCT
emaj-167	330	1	mobile	mobile	ADJ
emaj-167	330	2	banking	banking	NOUN
emaj-167	330	3	innovators	innovator	NOUN
emaj-167	330	4	and	and	CCONJ
emaj-167	330	5	early	early	ADJ
emaj-167	330	6	adopters	adopter	NOUN
emaj-167	330	7	:	:	PUNCT
emaj-167	330	8	how	how	SCONJ
emaj-167	330	9	they	they	PRON
emaj-167	330	10	differ	differ	VERB
emaj-167	330	11	from	from	ADP
emaj-167	330	12	other	other	ADJ
emaj-167	330	13	online	online	ADJ
emaj-167	330	14	users	user	NOUN
emaj-167	330	15	?	?	PUNCT
emaj-167	331	1	journal	journal	NOUN
emaj-167	331	2	of	of	ADP
emaj-167	331	3	financial	financial	ADJ
emaj-167	331	4	services	service	NOUN
emaj-167	331	5	marketing	marketing	NOUN
emaj-167	331	6	,	,	PUNCT
emaj-167	331	7	13(2	13(2	PROPN
emaj-167	331	8	)	)	PUNCT
emaj-167	331	9	,	,	PUNCT
emaj-167	331	10	86–94	86–94	NUM
emaj-167	331	11	.	.	PUNCT
emaj-167	332	1	https://doi.org/10.1108/ijbm-10-2017-0215	https://doi.org/10.1108/ijbm-10-2017-0215	VERB
emaj-167	332	2	volume	volume	NOUN
emaj-167	332	3	9	9	NUM
emaj-167	332	4	no	no	DET
emaj-167	332	5	1	1	NUM
emaj-167	332	6	(	(	PUNCT
emaj-167	332	7	2019	2019	NUM
emaj-167	332	8	)	)	PUNCT
emaj-167	332	9	|	|	ADV
emaj-167	332	10	issn	issn	VERB
emaj-167	332	11	2158	2158	NUM
emaj-167	332	12	-	-	SYM
emaj-167	332	13	8708	8708	NUM
emaj-167	332	14	(	(	PUNCT
emaj-167	332	15	online	online	NOUN
emaj-167	332	16	)	)	PUNCT
emaj-167	332	17	|	|	ADV
emaj-167	332	18	doi	doi	X
emaj-167	332	19	10.5195	10.5195	NUM
emaj-167	332	20	/	/	SYM
emaj-167	332	21	emaj.2019.167	emaj.2019.167	NOUN
emaj-167	333	1	|	|	NOUN
emaj-167	333	2	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-167	333	3	factors	factor	NOUN
emaj-167	333	4	affecting	affect	VERB
emaj-167	333	5	attitudes	attitude	NOUN
emaj-167	333	6	towards	towards	ADP
emaj-167	333	7	adoption	adoption	NOUN
emaj-167	333	8	of	of	ADP
emaj-167	333	9	mobile	mobile	ADJ
emaj-167	333	10	banking	banking	NOUN
emaj-167	333	11	:	:	PUNCT
emaj-167	333	12	users	user	NOUN
emaj-167	333	13	and	and	CCONJ
emaj-167	333	14	non	non	NOUN
emaj-167	333	15	-	-	ADJ
emaj-167	333	16	users	user	NOUN
emaj-167	333	17	perspectives	perspective	NOUN
emaj-167	333	18	page	page	NOUN
emaj-167	333	19	|62|	|62|	VERB
emaj-167	333	20	emerging	emerge	VERB
emaj-167	333	21	markets	market	NOUN
emaj-167	333	22	journal	journal	PROPN
emaj-167	333	23	lin	lin	PROPN
emaj-167	333	24	,	,	PUNCT
emaj-167	333	25	h.f	h.f	PROPN
emaj-167	333	26	.	.	PROPN
emaj-167	333	27	(	(	PUNCT
emaj-167	333	28	2011	2011	NUM
emaj-167	333	29	)	)	PUNCT
emaj-167	333	30	.	.	PUNCT
emaj-167	334	1	an	an	DET
emaj-167	334	2	empirical	empirical	ADJ
emaj-167	334	3	investigation	investigation	NOUN
emaj-167	334	4	of	of	ADP
emaj-167	334	5	mobile	mobile	ADJ
emaj-167	334	6	banking	banking	NOUN
emaj-167	334	7	adoption	adoption	NOUN
emaj-167	334	8	:	:	PUNCT
emaj-167	334	9	the	the	DET
emaj-167	334	10	effect	effect	NOUN
emaj-167	334	11	of	of	ADP
emaj-167	334	12	innovation	innovation	NOUN
emaj-167	334	13	attributes	attribute	NOUN
emaj-167	334	14	and	and	CCONJ
emaj-167	334	15	knowledge	knowledge	NOUN
emaj-167	334	16	-	-	PUNCT
emaj-167	334	17	based	base	VERB
emaj-167	334	18	trust	trust	NOUN
emaj-167	334	19	.	.	PUNCT
emaj-167	335	1	international	international	ADJ
emaj-167	335	2	journal	journal	PROPN
emaj-167	335	3	of	of	ADP
emaj-167	335	4	information	information	NOUN
emaj-167	335	5	management	management	NOUN
emaj-167	335	6	31	31	NUM
emaj-167	335	7	,	,	PUNCT
emaj-167	335	8	252–260	252–260	NUM
emaj-167	335	9	.	.	PUNCT
emaj-167	336	1	luo	luo	PROPN
emaj-167	336	2	,	,	PUNCT
emaj-167	336	3	x.	x.	PROPN
emaj-167	336	4	,	,	PUNCT
emaj-167	336	5	lin	lin	PROPN
emaj-167	336	6	,	,	PUNCT
emaj-167	336	7	h.	h.	PROPN
emaj-167	336	8	,	,	PUNCT
emaj-167	336	9	zhang	zhang	PROPN
emaj-167	336	10	,	,	PUNCT
emaj-167	336	11	j.	j.	PROPN
emaj-167	336	12	&	&	CCONJ
emaj-167	336	13	shim	shim	PROPN
emaj-167	336	14	,	,	PUNCT
emaj-167	336	15	j.p	j.p	PROPN
emaj-167	336	16	.	.	PROPN
emaj-167	336	17	(	(	PUNCT
emaj-167	336	18	2010	2010	NUM
emaj-167	336	19	)	)	PUNCT
emaj-167	336	20	.	.	PUNCT
emaj-167	337	1	examining	examine	VERB
emaj-167	337	2	multi	multi	ADJ
emaj-167	337	3	-	-	ADJ
emaj-167	337	4	dimensional	dimensional	ADJ
emaj-167	337	5	trust	trust	NOUN
emaj-167	337	6	and	and	CCONJ
emaj-167	337	7	multifaceted	multifaceted	ADJ
emaj-167	337	8	risk	risk	NOUN
emaj-167	337	9	in	in	ADP
emaj-167	337	10	initial	initial	ADJ
emaj-167	337	11	acceptance	acceptance	NOUN
emaj-167	337	12	of	of	ADP
emaj-167	337	13	emerging	emerge	VERB
emaj-167	337	14	technologies	technology	NOUN
emaj-167	337	15	:	:	PUNCT
emaj-167	337	16	an	an	DET
emaj-167	337	17	empirical	empirical	ADJ
emaj-167	337	18	study	study	NOUN
emaj-167	337	19	of	of	ADP
emaj-167	337	20	mobile	mobile	ADJ
emaj-167	337	21	banking	banking	NOUN
emaj-167	337	22	services	service	NOUN
emaj-167	337	23	.	.	PUNCT
emaj-167	338	1	decision	decision	NOUN
emaj-167	338	2	support	support	NOUN
emaj-167	338	3	systems	system	NOUN
emaj-167	338	4	,	,	PUNCT
emaj-167	338	5	49	49	NUM
emaj-167	338	6	,	,	PUNCT
emaj-167	338	7	222–234	222–234	NUM
emaj-167	338	8	malaquias	malaquia	NOUN
emaj-167	338	9	,	,	PUNCT
emaj-167	338	10	r.f	r.f	PROPN
emaj-167	338	11	.	.	PROPN
emaj-167	338	12	,	,	PUNCT
emaj-167	338	13	and	and	CCONJ
emaj-167	338	14	hwang	hwang	PROPN
emaj-167	338	15	,	,	PUNCT
emaj-167	338	16	y.	y.	PROPN
emaj-167	338	17	(	(	PUNCT
emaj-167	338	18	2016	2016	NUM
emaj-167	338	19	)	)	PUNCT
emaj-167	338	20	.	.	PUNCT
emaj-167	339	1	an	an	DET
emaj-167	339	2	empirical	empirical	ADJ
emaj-167	339	3	study	study	NOUN
emaj-167	339	4	on	on	ADP
emaj-167	339	5	trust	trust	NOUN
emaj-167	339	6	in	in	ADP
emaj-167	339	7	mobile	mobile	ADJ
emaj-167	339	8	banking	banking	NOUN
emaj-167	339	9	:	:	PUNCT
emaj-167	339	10	a	a	DET
emaj-167	339	11	developing	develop	VERB
emaj-167	339	12	country	country	NOUN
emaj-167	339	13	perspective	perspective	NOUN
emaj-167	339	14	.	.	PUNCT
emaj-167	340	1	computers	computer	NOUN
emaj-167	340	2	in	in	ADP
emaj-167	340	3	human	human	ADJ
emaj-167	340	4	behavior	behavior	NOUN
emaj-167	340	5	.	.	PUNCT
emaj-167	341	1	54	54	NUM
emaj-167	341	2	,	,	PUNCT
emaj-167	341	3	453	453	NUM
emaj-167	341	4	-	-	SYM
emaj-167	341	5	461	461	NUM
emaj-167	341	6	.	.	PUNCT
emaj-167	342	1	masrek	masrek	PROPN
emaj-167	342	2	,	,	PUNCT
emaj-167	342	3	m.	m.	NOUN
emaj-167	342	4	n.	n.	PROPN
emaj-167	342	5	,	,	PUNCT
emaj-167	342	6	nor‘ayu	nor‘ayu	PROPN
emaj-167	342	7	,	,	PUNCT
emaj-167	342	8	a.	a.	PROPN
emaj-167	342	9	u.	u.	PROPN
emaj-167	342	10	,	,	PUNCT
emaj-167	342	11	&	&	CCONJ
emaj-167	342	12	irni	irni	PROPN
emaj-167	342	13	,	,	PUNCT
emaj-167	342	14	i.	i.	PROPN
emaj-167	342	15	k.	k.	PROPN
emaj-167	342	16	(	(	PUNCT
emaj-167	342	17	2012	2012	NUM
emaj-167	342	18	)	)	PUNCT
emaj-167	342	19	.	.	PUNCT
emaj-167	343	1	trust	trust	NOUN
emaj-167	343	2	in	in	ADP
emaj-167	343	3	mobile	mobile	ADJ
emaj-167	343	4	banking	banking	NOUN
emaj-167	343	5	adoption	adoption	NOUN
emaj-167	343	6	in	in	ADP
emaj-167	343	7	malaysia	malaysia	PROPN
emaj-167	343	8	:	:	PUNCT
emaj-167	343	9	a	a	DET
emaj-167	343	10	conceptual	conceptual	ADJ
emaj-167	343	11	framework	framework	NOUN
emaj-167	343	12	.	.	PUNCT
emaj-167	344	1	journal	journal	NOUN
emaj-167	344	2	of	of	ADP
emaj-167	344	3	mobile	mobile	PROPN
emaj-167	344	4	technologies	technology	NOUN
emaj-167	344	5	,	,	PUNCT
emaj-167	344	6	knowledge	knowledge	NOUN
emaj-167	344	7	&	&	CCONJ
emaj-167	344	8	society	society	NOUN
emaj-167	344	9	,	,	PUNCT
emaj-167	344	10	2012	2012	NUM
emaj-167	344	11	,	,	PUNCT
emaj-167	344	12	1–12	1–12	NOUN
emaj-167	344	13	.	.	PUNCT
emaj-167	345	1	mchugh	mchugh	PROPN
emaj-167	345	2	,	,	PUNCT
emaj-167	345	3	m.l	m.l	PROPN
emaj-167	345	4	.	.	PROPN
emaj-167	345	5	,	,	PUNCT
emaj-167	345	6	(	(	PUNCT
emaj-167	345	7	2013	2013	NUM
emaj-167	345	8	)	)	PUNCT
emaj-167	345	9	.	.	PUNCT
emaj-167	346	1	the	the	DET
emaj-167	346	2	chi	chi	ADJ
emaj-167	346	3	-	-	PUNCT
emaj-167	346	4	square	square	ADJ
emaj-167	346	5	test	test	NOUN
emaj-167	346	6	of	of	ADP
emaj-167	346	7	independence	independence	NOUN
emaj-167	346	8	.	.	PUNCT
emaj-167	347	1	biochemia	biochemia	PROPN
emaj-167	347	2	medica	medica	PROPN
emaj-167	347	3	;	;	PUNCT
emaj-167	347	4	23(2):143	23(2):143	NUM
emaj-167	347	5	–	–	PUNCT
emaj-167	347	6	9	9	NUM
emaj-167	347	7	.	.	X
emaj-167	347	8	morgan	morgan	PROPN
emaj-167	347	9	,	,	PUNCT
emaj-167	347	10	r.	r.	PROPN
emaj-167	347	11	&	&	CCONJ
emaj-167	347	12	hunt	hunt	PROPN
emaj-167	347	13	,	,	PUNCT
emaj-167	347	14	s.	s.	PROPN
emaj-167	347	15	(	(	PUNCT
emaj-167	347	16	1994	1994	NUM
emaj-167	347	17	)	)	PUNCT
emaj-167	347	18	.	.	PUNCT
emaj-167	348	1	the	the	DET
emaj-167	348	2	commitment	commitment	NOUN
emaj-167	348	3	-	-	PUNCT
emaj-167	348	4	trust	trust	NOUN
emaj-167	348	5	theory	theory	NOUN
emaj-167	348	6	of	of	ADP
emaj-167	348	7	relationship	relationship	NOUN
emaj-167	348	8	marketing	marketing	NOUN
emaj-167	348	9	.	.	PUNCT
emaj-167	349	1	journal	journal	NOUN
emaj-167	349	2	of	of	ADP
emaj-167	349	3	marketing	marketing	NOUN
emaj-167	349	4	.	.	PUNCT
emaj-167	350	1	vol	vol	NOUN
emaj-167	350	2	.	.	PROPN
emaj-167	351	1	58	58	NUM
emaj-167	351	2	,	,	PUNCT
emaj-167	351	3	p20	p20	NOUN
emaj-167	351	4	-	-	PUNCT
emaj-167	351	5	38	38	NUM
emaj-167	351	6	.	.	PUNCT
emaj-167	352	1	muge	muge	PROPN
emaj-167	352	2	arslan	arslan	PROPN
emaj-167	352	3	,	,	PUNCT
emaj-167	352	4	f.	f.	PROPN
emaj-167	352	5	and	and	CCONJ
emaj-167	352	6	altuna	altuna	PROPN
emaj-167	352	7	,	,	PUNCT
emaj-167	352	8	o.k	o.k	PROPN
emaj-167	352	9	.	.	PROPN
emaj-167	352	10	(	(	PUNCT
emaj-167	352	11	2010	2010	NUM
emaj-167	352	12	)	)	PUNCT
emaj-167	352	13	.	.	PUNCT
emaj-167	353	1	the	the	DET
emaj-167	353	2	effect	effect	NOUN
emaj-167	353	3	of	of	ADP
emaj-167	353	4	brand	brand	NOUN
emaj-167	353	5	extensions	extension	NOUN
emaj-167	353	6	on	on	ADP
emaj-167	353	7	product	product	NOUN
emaj-167	353	8	brand	brand	NOUN
emaj-167	353	9	image	image	NOUN
emaj-167	353	10	.	.	PUNCT
emaj-167	354	1	journal	journal	NOUN
emaj-167	354	2	of	of	ADP
emaj-167	354	3	product	product	NOUN
emaj-167	354	4	&	&	CCONJ
emaj-167	354	5	brand	brand	PROPN
emaj-167	354	6	management	management	NOUN
emaj-167	354	7	.	.	PUNCT
emaj-167	355	1	19/3	19/3	NUM
emaj-167	355	2	,	,	PUNCT
emaj-167	355	3	170–180	170–180	NUM
emaj-167	355	4	.	.	PUNCT
emaj-167	355	5	emerald	emerald	PROPN
emaj-167	355	6	group	group	PROPN
emaj-167	355	7	publishing	publishing	PROPN
emaj-167	355	8	limited	limit	VERB
emaj-167	355	9	.	.	PUNCT
emaj-167	356	1	mullan	mullan	PROPN
emaj-167	356	2	,	,	PUNCT
emaj-167	356	3	j.	j.	PROPN
emaj-167	356	4	,	,	PUNCT
emaj-167	356	5	bradley	bradley	PROPN
emaj-167	356	6	,	,	PUNCT
emaj-167	356	7	l.	l.	PROPN
emaj-167	356	8	,	,	PUNCT
emaj-167	356	9	&	&	CCONJ
emaj-167	356	10	loane	loane	PROPN
emaj-167	356	11	,	,	PUNCT
emaj-167	356	12	s.	s.	PROPN
emaj-167	356	13	(	(	PUNCT
emaj-167	356	14	2017	2017	NUM
emaj-167	356	15	)	)	PUNCT
emaj-167	356	16	.	.	PUNCT
emaj-167	357	1	bank	bank	NOUN
emaj-167	357	2	adoption	adoption	NOUN
emaj-167	357	3	of	of	ADP
emaj-167	357	4	mobile	mobile	ADJ
emaj-167	357	5	banking	banking	NOUN
emaj-167	357	6	:	:	PUNCT
emaj-167	357	7	stakeholder	stakeholder	NOUN
emaj-167	357	8	perspective	perspective	NOUN
emaj-167	357	9	.	.	PUNCT
emaj-167	358	1	international	international	ADJ
emaj-167	358	2	journal	journal	PROPN
emaj-167	358	3	of	of	ADP
emaj-167	358	4	bank	bank	PROPN
emaj-167	358	5	marketing	marketing	NOUN
emaj-167	358	6	,	,	PUNCT
emaj-167	358	7	https://doi.org/10.1108/ijbm-092015-0145	https://doi.org/10.1108/ijbm-092015-0145	PROPN
emaj-167	358	8	murray	murray	PROPN
emaj-167	358	9	,	,	PUNCT
emaj-167	358	10	k.b	k.b	PROPN
emaj-167	358	11	.	.	PUNCT
emaj-167	358	12	(	(	PUNCT
emaj-167	358	13	1991	1991	NUM
emaj-167	358	14	)	)	PUNCT
emaj-167	358	15	.	.	PUNCT
emaj-167	359	1	a	a	DET
emaj-167	359	2	test	test	NOUN
emaj-167	359	3	of	of	ADP
emaj-167	359	4	services	service	NOUN
emaj-167	359	5	marketing	marketing	NOUN
emaj-167	359	6	theory	theory	NOUN
emaj-167	359	7	:	:	PUNCT
emaj-167	359	8	consumer	consumer	NOUN
emaj-167	359	9	information	information	NOUN
emaj-167	359	10	acquisition	acquisition	NOUN
emaj-167	359	11	activities	activity	NOUN
emaj-167	359	12	.	.	PUNCT
emaj-167	360	1	journal	journal	NOUN
emaj-167	360	2	of	of	ADP
emaj-167	360	3	marketing	marketing	NOUN
emaj-167	360	4	,	,	PUNCT
emaj-167	360	5	vol	vol	NOUN
emaj-167	360	6	.	.	PROPN
emaj-167	361	1	55	55	NUM
emaj-167	361	2	,	,	PUNCT
emaj-167	361	3	no	no	INTJ
emaj-167	361	4	.	.	NOUN
emaj-167	361	5	1	1	NUM
emaj-167	361	6	,	,	PUNCT
emaj-167	361	7	pp	pp	ADJ
emaj-167	361	8	.	.	PUNCT
emaj-167	362	1	10	10	NUM
emaj-167	362	2	-	-	SYM
emaj-167	362	3	25	25	NUM
emaj-167	362	4	.	.	PUNCT
emaj-167	362	5	neuman	neuman	NOUN
emaj-167	362	6	,	,	PUNCT
emaj-167	362	7	w.l	w.l	PROPN
emaj-167	362	8	.	.	PROPN
emaj-167	363	1	(	(	PUNCT
emaj-167	363	2	2014	2014	NUM
emaj-167	363	3	)	)	PUNCT
emaj-167	363	4	social	social	ADJ
emaj-167	363	5	research	research	NOUN
emaj-167	363	6	methods	method	NOUN
emaj-167	363	7	:	:	PUNCT
emaj-167	363	8	qualitative	qualitative	NOUN
emaj-167	363	9	and	and	CCONJ
emaj-167	363	10	quantitative	quantitative	ADJ
emaj-167	363	11	approaches	approach	NOUN
emaj-167	363	12	,	,	PUNCT
emaj-167	363	13	seventh	seventh	PROPN
emaj-167	363	14	edition	edition	NOUN
emaj-167	363	15	,	,	PUNCT
emaj-167	363	16	pearson	pearson	PROPN
emaj-167	363	17	education	education	PROPN
emaj-167	363	18	limited	limit	VERB
emaj-167	363	19	.	.	PUNCT
emaj-167	364	1	riquelme	riquelme	PROPN
emaj-167	364	2	,	,	PUNCT
emaj-167	364	3	h.e	h.e	PROPN
emaj-167	364	4	.	.	PROPN
emaj-167	364	5	,	,	PUNCT
emaj-167	364	6	and	and	CCONJ
emaj-167	364	7	rios	rio	NOUN
emaj-167	364	8	,	,	PUNCT
emaj-167	364	9	r.e	r.e	PROPN
emaj-167	364	10	.	.	PROPN
emaj-167	364	11	(	(	PUNCT
emaj-167	364	12	2010	2010	NUM
emaj-167	364	13	)	)	PUNCT
emaj-167	364	14	.	.	PUNCT
emaj-167	365	1	the	the	DET
emaj-167	365	2	moderating	moderate	VERB
emaj-167	365	3	effect	effect	NOUN
emaj-167	365	4	of	of	ADP
emaj-167	365	5	gender	gender	NOUN
emaj-167	365	6	in	in	ADP
emaj-167	365	7	the	the	DET
emaj-167	365	8	adoption	adoption	NOUN
emaj-167	365	9	of	of	ADP
emaj-167	365	10	mobile	mobile	ADJ
emaj-167	365	11	banking	banking	NOUN
emaj-167	365	12	.	.	PUNCT
emaj-167	366	1	international	international	ADJ
emaj-167	366	2	journal	journal	PROPN
emaj-167	366	3	of	of	ADP
emaj-167	366	4	bank	bank	PROPN
emaj-167	366	5	marketing	marketing	NOUN
emaj-167	366	6	.	.	PUNCT
emaj-167	367	1	vol	vol	NOUN
emaj-167	367	2	.	.	PUNCT
emaj-167	368	1	28	28	NUM
emaj-167	368	2	no	no	NOUN
emaj-167	368	3	.	.	NOUN
emaj-167	369	1	5	5	NUM
emaj-167	369	2	,	,	PUNCT
emaj-167	369	3	pp	pp	ADJ
emaj-167	369	4	.	.	PUNCT
emaj-167	370	1	328	328	NUM
emaj-167	370	2	-	-	SYM
emaj-167	370	3	341	341	NUM
emaj-167	370	4	.	.	PUNCT
emaj-167	371	1	rogers	rogers	PROPN
emaj-167	371	2	,	,	PUNCT
emaj-167	371	3	e.	e.	PROPN
emaj-167	371	4	(	(	PUNCT
emaj-167	371	5	2003	2003	NUM
emaj-167	371	6	)	)	PUNCT
emaj-167	371	7	.	.	PUNCT
emaj-167	372	1	diffusion	diffusion	NOUN
emaj-167	372	2	of	of	ADP
emaj-167	372	3	innovations	innovation	NOUN
emaj-167	372	4	.	.	PUNCT
emaj-167	373	1	5th	5th	ADJ
emaj-167	373	2	ed	ed	NOUN
emaj-167	373	3	.	.	PUNCT
emaj-167	374	1	new	new	PROPN
emaj-167	374	2	york	york	PROPN
emaj-167	374	3	:	:	PUNCT
emaj-167	374	4	free	free	ADJ
emaj-167	374	5	press	press	NOUN
emaj-167	374	6	.	.	PUNCT
emaj-167	375	1	roselius	roselius	VERB
emaj-167	375	2	,	,	PUNCT
emaj-167	375	3	t.	t.	PROPN
emaj-167	375	4	(	(	PUNCT
emaj-167	375	5	1971	1971	NUM
emaj-167	375	6	)	)	PUNCT
emaj-167	375	7	.	.	PUNCT
emaj-167	376	1	consumer	consumer	NOUN
emaj-167	376	2	rankings	ranking	NOUN
emaj-167	376	3	of	of	ADP
emaj-167	376	4	risk	risk	NOUN
emaj-167	376	5	reduction	reduction	NOUN
emaj-167	376	6	methods	method	NOUN
emaj-167	376	7	.	.	PUNCT
emaj-167	377	1	journal	journal	NOUN
emaj-167	377	2	of	of	ADP
emaj-167	377	3	marketing	marketing	NOUN
emaj-167	377	4	,	,	PUNCT
emaj-167	377	5	vol	vol	NOUN
emaj-167	377	6	.	.	PROPN
emaj-167	377	7	35	35	NUM
emaj-167	377	8	,	,	PUNCT
emaj-167	377	9	no	no	INTJ
emaj-167	377	10	.	.	NOUN
emaj-167	377	11	1	1	NUM
emaj-167	377	12	,	,	PUNCT
emaj-167	377	13	pp	pp	ADJ
emaj-167	377	14	.	.	PUNCT
emaj-167	378	1	56	56	NUM
emaj-167	378	2	-	-	SYM
emaj-167	378	3	61	61	NUM
emaj-167	378	4	.	.	PUNCT
emaj-167	379	1	shareef	shareef	PROPN
emaj-167	379	2	,	,	PUNCT
emaj-167	379	3	m.a	m.a	PROPN
emaj-167	379	4	.	.	PROPN
emaj-167	379	5	,	,	PUNCT
emaj-167	379	6	baabdullah	baabdullah	PROPN
emaj-167	379	7	,	,	PUNCT
emaj-167	379	8	a.	a.	NOUN
emaj-167	379	9	,	,	PUNCT
emaj-167	379	10	dutta	dutta	PROPN
emaj-167	379	11	,	,	PUNCT
emaj-167	379	12	s.	s.	PROPN
emaj-167	379	13	,	,	PUNCT
emaj-167	379	14	kumar	kumar	PROPN
emaj-167	379	15	,	,	PUNCT
emaj-167	379	16	v.	v.	PROPN
emaj-167	379	17	,	,	PUNCT
emaj-167	379	18	and	and	CCONJ
emaj-167	379	19	dwivedi	dwivedi	PROPN
emaj-167	379	20	,	,	PUNCT
emaj-167	379	21	y.k	y.k	PROPN
emaj-167	379	22	.	.	PROPN
emaj-167	379	23	(	(	PUNCT
emaj-167	379	24	2018	2018	NUM
emaj-167	379	25	)	)	PUNCT
emaj-167	379	26	.	.	PUNCT
emaj-167	380	1	consumer	consumer	NOUN
emaj-167	380	2	adoption	adoption	NOUN
emaj-167	380	3	of	of	ADP
emaj-167	380	4	mobile	mobile	ADJ
emaj-167	380	5	banking	banking	NOUN
emaj-167	380	6	services	service	NOUN
emaj-167	380	7	:	:	PUNCT
emaj-167	380	8	an	an	DET
emaj-167	380	9	empirical	empirical	ADJ
emaj-167	380	10	examination	examination	NOUN
emaj-167	380	11	of	of	ADP
emaj-167	380	12	factors	factor	NOUN
emaj-167	380	13	according	accord	VERB
emaj-167	380	14	to	to	ADP
emaj-167	380	15	adoption	adoption	NOUN
emaj-167	380	16	stages	stage	NOUN
emaj-167	380	17	.	.	PUNCT
emaj-167	381	1	journal	journal	NOUN
emaj-167	381	2	of	of	ADP
emaj-167	381	3	retailing	retailing	NOUN
emaj-167	381	4	and	and	CCONJ
emaj-167	381	5	consumer	consumer	NOUN
emaj-167	381	6	services	service	NOUN
emaj-167	381	7	,	,	PUNCT
emaj-167	381	8	43	43	NUM
emaj-167	381	9	,	,	PUNCT
emaj-167	381	10	54–67	54–67	NUM
emaj-167	381	11	.	.	PUNCT
emaj-167	381	12	sharma	sharma	PROPN
emaj-167	381	13	,	,	PUNCT
emaj-167	381	14	s.k	s.k	PROPN
emaj-167	381	15	.	.	PROPN
emaj-167	381	16	&	&	CCONJ
emaj-167	381	17	sharma	sharma	PROPN
emaj-167	381	18	,	,	PUNCT
emaj-167	381	19	m.	m.	NOUN
emaj-167	381	20	(	(	PUNCT
emaj-167	381	21	2019	2019	NUM
emaj-167	381	22	)	)	PUNCT
emaj-167	381	23	.	.	PUNCT
emaj-167	382	1	examining	examine	VERB
emaj-167	382	2	the	the	DET
emaj-167	382	3	role	role	NOUN
emaj-167	382	4	of	of	ADP
emaj-167	382	5	trust	trust	NOUN
emaj-167	382	6	and	and	CCONJ
emaj-167	382	7	quality	quality	NOUN
emaj-167	382	8	dimensions	dimension	NOUN
emaj-167	382	9	in	in	ADP
emaj-167	382	10	the	the	DET
emaj-167	382	11	actual	actual	ADJ
emaj-167	382	12	usage	usage	NOUN
emaj-167	382	13	of	of	ADP
emaj-167	382	14	mobile	mobile	ADJ
emaj-167	382	15	banking	banking	NOUN
emaj-167	382	16	services	service	NOUN
emaj-167	382	17	:	:	PUNCT
emaj-167	382	18	an	an	DET
emaj-167	382	19	empirical	empirical	ADJ
emaj-167	382	20	investigation	investigation	NOUN
emaj-167	382	21	.	.	PUNCT
emaj-167	383	1	international	international	ADJ
emaj-167	383	2	journal	journal	PROPN
emaj-167	383	3	of	of	ADP
emaj-167	383	4	information	information	NOUN
emaj-167	383	5	management	management	NOUN
emaj-167	383	6	44	44	NUM
emaj-167	383	7	,	,	PUNCT
emaj-167	383	8	65–75	65–75	NUM
emaj-167	383	9	.	.	PUNCT
emaj-167	384	1	singh	singh	PROPN
emaj-167	384	2	,	,	PUNCT
emaj-167	384	3	s.	s.	PROPN
emaj-167	384	4	,	,	PUNCT
emaj-167	384	5	srivastava	srivastava	PROPN
emaj-167	384	6	,	,	PUNCT
emaj-167	384	7	r.k	r.k	PROPN
emaj-167	384	8	.	.	PROPN
emaj-167	384	9	(	(	PUNCT
emaj-167	384	10	2018	2018	NUM
emaj-167	384	11	)	)	PUNCT
emaj-167	384	12	.	.	PUNCT
emaj-167	385	1	predicting	predict	VERB
emaj-167	385	2	the	the	DET
emaj-167	385	3	intention	intention	NOUN
emaj-167	385	4	to	to	PART
emaj-167	385	5	use	use	VERB
emaj-167	385	6	mobile	mobile	ADJ
emaj-167	385	7	banking	banking	NOUN
emaj-167	385	8	in	in	ADP
emaj-167	385	9	india	india	PROPN
emaj-167	385	10	.	.	PUNCT
emaj-167	386	1	international	international	ADJ
emaj-167	386	2	journal	journal	PROPN
emaj-167	386	3	of	of	ADP
emaj-167	386	4	bank	bank	PROPN
emaj-167	386	5	marketing	marketing	NOUN
emaj-167	386	6	,	,	PUNCT
emaj-167	386	7	https://doi.org/10.1108/ijbm-12-2016-0186	https://doi.org/10.1108/ijbm-12-2016-0186	PROPN
emaj-167	386	8	.	.	PUNCT
emaj-167	387	1	sohail	sohail	PROPN
emaj-167	387	2	,	,	PUNCT
emaj-167	387	3	m.s	m.s	PROPN
emaj-167	387	4	.	.	PROPN
emaj-167	387	5	,	,	PUNCT
emaj-167	387	6	and	and	CCONJ
emaj-167	387	7	al	al	PROPN
emaj-167	387	8	-	-	PUNCT
emaj-167	387	9	jabri	jabri	PROPN
emaj-167	387	10	,	,	PUNCT
emaj-167	387	11	i.m	i.m	PROPN
emaj-167	387	12	.	.	PUNCT
emaj-167	387	13	(	(	PUNCT
emaj-167	387	14	2014	2014	NUM
emaj-167	387	15	)	)	PUNCT
emaj-167	387	16	.	.	PUNCT
emaj-167	388	1	attitudes	attitude	NOUN
emaj-167	388	2	towards	towards	ADP
emaj-167	388	3	mobile	mobile	ADJ
emaj-167	388	4	banking	banking	NOUN
emaj-167	388	5	:	:	PUNCT
emaj-167	388	6	are	be	AUX
emaj-167	388	7	there	there	PRON
emaj-167	388	8	any	any	DET
emaj-167	388	9	differences	difference	NOUN
emaj-167	388	10	between	between	ADP
emaj-167	388	11	users	user	NOUN
emaj-167	388	12	and	and	CCONJ
emaj-167	388	13	non	non	NOUN
emaj-167	388	14	-	-	NOUN
emaj-167	388	15	users	user	NOUN
emaj-167	388	16	?	?	PUNCT
emaj-167	389	1	behaviour	behaviour	NOUN
emaj-167	389	2	&	&	CCONJ
emaj-167	389	3	information	information	NOUN
emaj-167	389	4	technology	technology	PROPN
emaj-167	389	5	,	,	PUNCT
emaj-167	389	6	vol	vol	NOUN
emaj-167	389	7	.	.	PROPN
emaj-167	390	1	33	33	NUM
emaj-167	390	2	,	,	PUNCT
emaj-167	390	3	no	no	INTJ
emaj-167	390	4	.	.	NOUN
emaj-167	390	5	4	4	NUM
emaj-167	390	6	,	,	PUNCT
emaj-167	390	7	335–344	335–344	NUM
emaj-167	390	8	.	.	PUNCT
emaj-167	391	1	szopiński	szopiński	PROPN
emaj-167	391	2	,	,	PUNCT
emaj-167	391	3	t.s	t.s	PROPN
emaj-167	391	4	.	.	PROPN
emaj-167	392	1	(	(	PUNCT
emaj-167	392	2	2016	2016	NUM
emaj-167	392	3	)	)	PUNCT
emaj-167	392	4	.	.	PUNCT
emaj-167	393	1	factors	factor	NOUN
emaj-167	393	2	affecting	affect	VERB
emaj-167	393	3	the	the	DET
emaj-167	393	4	adoption	adoption	NOUN
emaj-167	393	5	of	of	ADP
emaj-167	393	6	online	online	ADJ
emaj-167	393	7	banking	banking	NOUN
emaj-167	393	8	in	in	ADP
emaj-167	393	9	poland	poland	PROPN
emaj-167	393	10	.	.	PUNCT
emaj-167	394	1	journal	journal	PROPN
emaj-167	394	2	of	of	ADP
emaj-167	394	3	business	business	NOUN
emaj-167	394	4	research	research	NOUN
emaj-167	394	5	.	.	PUNCT
emaj-167	395	1	taleghani	taleghani	PROPN
emaj-167	395	2	,	,	PUNCT
emaj-167	395	3	m.	m.	NOUN
emaj-167	395	4	gilaninia	gilaninia	PROPN
emaj-167	395	5	,	,	PUNCT
emaj-167	395	6	s.	s.	PROPN
emaj-167	395	7	,	,	PUNCT
emaj-167	395	8	and	and	CCONJ
emaj-167	395	9	mousavian	mousavian	PROPN
emaj-167	395	10	,	,	PUNCT
emaj-167	395	11	s.j	s.j	PROPN
emaj-167	395	12	.	.	PROPN
emaj-167	395	13	(	(	PUNCT
emaj-167	395	14	2011	2011	NUM
emaj-167	395	15	)	)	PUNCT
emaj-167	395	16	.	.	PUNCT
emaj-167	396	1	the	the	DET
emaj-167	396	2	role	role	NOUN
emaj-167	396	3	of	of	ADP
emaj-167	396	4	relationship	relationship	NOUN
emaj-167	396	5	marketing	marketing	NOUN
emaj-167	396	6	in	in	ADP
emaj-167	396	7	customer	customer	NOUN
emaj-167	396	8	orientation	orientation	NOUN
emaj-167	396	9	process	process	NOUN
emaj-167	396	10	in	in	ADP
emaj-167	396	11	the	the	DET
emaj-167	396	12	banking	banking	NOUN
emaj-167	396	13	industry	industry	NOUN
emaj-167	396	14	with	with	ADP
emaj-167	396	15	focus	focus	NOUN
emaj-167	396	16	on	on	ADP
emaj-167	396	17	loyalty	loyalty	NOUN
emaj-167	396	18	(	(	PUNCT
emaj-167	396	19	case	case	NOUN
emaj-167	396	20	study	study	NOUN
emaj-167	396	21	:	:	PUNCT
emaj-167	396	22	banking	banking	NOUN
emaj-167	396	23	industry	industry	NOUN
emaj-167	396	24	of	of	ADP
emaj-167	396	25	iran	iran	PROPN
emaj-167	396	26	)	)	PUNCT
emaj-167	396	27	.	.	PUNCT
emaj-167	397	1	international	international	ADJ
emaj-167	397	2	journal	journal	PROPN
emaj-167	397	3	of	of	ADP
emaj-167	397	4	business	business	NOUN
emaj-167	397	5	and	and	CCONJ
emaj-167	397	6	social	social	ADJ
emaj-167	397	7	science	science	NOUN
emaj-167	397	8	vol	vol	NOUN
emaj-167	397	9	.	.	PROPN
emaj-167	397	10	2	2	NUM
emaj-167	397	11	no	no	NOUN
emaj-167	397	12	.	.	NOUN
emaj-167	398	1	19	19	NUM
emaj-167	398	2	.	.	X
emaj-167	398	3	tam	tam	PROPN
emaj-167	398	4	,	,	PUNCT
emaj-167	398	5	c.	c.	PROPN
emaj-167	398	6	&	&	CCONJ
emaj-167	398	7	oliveira	oliveira	PROPN
emaj-167	398	8	,	,	PUNCT
emaj-167	398	9	t.	t.	PROPN
emaj-167	398	10	(	(	PUNCT
emaj-167	398	11	2016	2016	NUM
emaj-167	398	12	)	)	PUNCT
emaj-167	398	13	.	.	PUNCT
emaj-167	399	1	understanding	understand	VERB
emaj-167	399	2	the	the	DET
emaj-167	399	3	impact	impact	NOUN
emaj-167	399	4	of	of	ADP
emaj-167	399	5	m	m	NOUN
emaj-167	399	6	-	-	NOUN
emaj-167	399	7	banking	banking	NOUN
emaj-167	399	8	on	on	ADP
emaj-167	399	9	individual	individual	ADJ
emaj-167	399	10	performance	performance	NOUN
emaj-167	399	11	:	:	PUNCT
emaj-167	399	12	delone	delone	PROPN
emaj-167	399	13	&	&	CCONJ
emaj-167	399	14	mclean	mclean	PROPN
emaj-167	399	15	and	and	CCONJ
emaj-167	399	16	ttf	ttf	PROPN
emaj-167	399	17	perspective	perspective	NOUN
emaj-167	399	18	.	.	PUNCT
emaj-167	400	1	computers	computer	NOUN
emaj-167	400	2	in	in	ADP
emaj-167	400	3	human	human	ADJ
emaj-167	400	4	behavior	behavior	NOUN
emaj-167	400	5	,	,	PUNCT
emaj-167	400	6	61	61	NUM
emaj-167	400	7	,	,	PUNCT
emaj-167	400	8	233	233	NUM
emaj-167	400	9	-	-	SYM
emaj-167	400	10	244	244	NUM
emaj-167	400	11	.	.	PUNCT
emaj-167	401	1	taylor	taylor	PROPN
emaj-167	401	2	,	,	PUNCT
emaj-167	401	3	s.	s.	PROPN
emaj-167	401	4	,	,	PUNCT
emaj-167	401	5	and	and	CCONJ
emaj-167	401	6	todd	todd	NOUN
emaj-167	401	7	,	,	PUNCT
emaj-167	401	8	p.	p.	NOUN
emaj-167	401	9	a.	a.	NOUN
emaj-167	402	1	(	(	PUNCT
emaj-167	402	2	1995b	1995b	NUM
emaj-167	402	3	)	)	PUNCT
emaj-167	402	4	.	.	PUNCT
emaj-167	403	1	understanding	understand	VERB
emaj-167	403	2	information	information	NOUN
emaj-167	403	3	technology	technology	NOUN
emaj-167	403	4	usage	usage	NOUN
emaj-167	403	5	:	:	PUNCT
emaj-167	403	6	a	a	DET
emaj-167	403	7	test	test	NOUN
emaj-167	403	8	of	of	ADP
emaj-167	403	9	competing	compete	VERB
emaj-167	403	10	models	model	NOUN
emaj-167	403	11	.	.	PUNCT
emaj-167	404	1	information	information	NOUN
emaj-167	404	2	systems	system	NOUN
emaj-167	404	3	research	research	NOUN
emaj-167	404	4	(	(	PUNCT
emaj-167	404	5	6:2	6:2	NUM
emaj-167	404	6	)	)	PUNCT
emaj-167	404	7	,	,	PUNCT
emaj-167	404	8	pp.144	pp.144	PROPN
emaj-167	404	9	-	-	NOUN
emaj-167	404	10	176	176	NUM
emaj-167	404	11	.	.	PUNCT
emaj-167	405	1	wan	wan	PROPN
emaj-167	405	2	,	,	PUNCT
emaj-167	405	3	w.n	w.n	PROPN
emaj-167	405	4	.	.	PROPN
emaj-167	405	5	,	,	PUNCT
emaj-167	405	6	and	and	CCONJ
emaj-167	405	7	chow	chow	PROPN
emaj-167	405	8	,	,	PUNCT
emaj-167	405	9	c.l	c.l	PROPN
emaj-167	405	10	.	.	PROPN
emaj-167	405	11	(	(	PUNCT
emaj-167	405	12	2005	2005	NUM
emaj-167	405	13	)	)	PUNCT
emaj-167	405	14	.	.	PUNCT
emaj-167	406	1	customers	customer	NOUN
emaj-167	406	2	‘	‘	PART
emaj-167	406	3	adoption	adoption	NOUN
emaj-167	406	4	of	of	ADP
emaj-167	406	5	banking	banking	NOUN
emaj-167	406	6	channels	channel	NOUN
emaj-167	406	7	in	in	ADP
emaj-167	406	8	hong	hong	PROPN
emaj-167	406	9	kong	kong	PROPN
emaj-167	406	10	.	.	PUNCT
emaj-167	407	1	international	international	ADJ
emaj-167	407	2	journal	journal	PROPN
emaj-167	407	3	of	of	ADP
emaj-167	407	4	bank	bank	PROPN
emaj-167	407	5	marketing	marketing	NOUN
emaj-167	407	6	,	,	PUNCT
emaj-167	407	7	vol	vol	NOUN
emaj-167	407	8	.	.	PROPN
emaj-167	407	9	23	23	NUM
emaj-167	408	1	no	no	NOUN
emaj-167	408	2	.	.	NOUN
emaj-167	409	1	3	3	NUM
emaj-167	409	2	,	,	PUNCT
emaj-167	409	3	pp	pp	ADJ
emaj-167	409	4	.	.	PUNCT
emaj-167	410	1	255	255	NUM
emaj-167	410	2	-	-	SYM
emaj-167	410	3	272	272	NUM
emaj-167	410	4	.	.	PUNCT
emaj-167	410	5	williamson	williamson	PROPN
emaj-167	410	6	,	,	PUNCT
emaj-167	410	7	o.e	o.e	PROPN
emaj-167	410	8	.	.	PUNCT
emaj-167	410	9	(	(	PUNCT
emaj-167	410	10	2007	2007	NUM
emaj-167	410	11	)	)	PUNCT
emaj-167	410	12	.	.	PUNCT
emaj-167	411	1	transaction	transaction	NOUN
emaj-167	411	2	cost	cost	VERB
emaj-167	411	3	economics	economic	NOUN
emaj-167	411	4	:	:	PUNCT
emaj-167	411	5	an	an	DET
emaj-167	411	6	introduction	introduction	NOUN
emaj-167	411	7	.	.	PUNCT
emaj-167	412	1	economic	economic	ADJ
emaj-167	412	2	discussion	discussion	NOUN
emaj-167	412	3	papers	paper	NOUN
emaj-167	412	4	,	,	PUNCT
emaj-167	412	5	3	3	X
emaj-167	412	6	.	.	X
emaj-167	412	7	yiu	yiu	NOUN
emaj-167	412	8	,	,	PUNCT
emaj-167	412	9	s.y	s.y	PROPN
emaj-167	412	10	.	.	PROPN
emaj-167	412	11	,	,	PUNCT
emaj-167	412	12	grant	grant	PROPN
emaj-167	412	13	,	,	PUNCT
emaj-167	412	14	k.	k.	PROPN
emaj-167	412	15	,	,	PUNCT
emaj-167	412	16	and	and	CCONJ
emaj-167	412	17	edgar	edgar	PROPN
emaj-167	412	18	,	,	PUNCT
emaj-167	412	19	d.	d.	PROPN
emaj-167	412	20	(	(	PUNCT
emaj-167	412	21	2007	2007	NUM
emaj-167	412	22	)	)	PUNCT
emaj-167	412	23	.	.	PUNCT
emaj-167	413	1	factors	factor	NOUN
emaj-167	413	2	affecting	affect	VERB
emaj-167	413	3	the	the	DET
emaj-167	413	4	adoption	adoption	NOUN
emaj-167	413	5	of	of	ADP
emaj-167	413	6	internet	internet	NOUN
emaj-167	413	7	banking	banking	NOUN
emaj-167	413	8	in	in	ADP
emaj-167	413	9	hong	hong	PROPN
emaj-167	413	10	kong	kong	PROPN
emaj-167	413	11	—	—	PUNCT
emaj-167	413	12	implications	implication	NOUN
emaj-167	413	13	for	for	ADP
emaj-167	413	14	the	the	DET
emaj-167	413	15	banking	banking	NOUN
emaj-167	413	16	sector	sector	NOUN
emaj-167	413	17	.	.	PUNCT
emaj-167	414	1	international	international	ADJ
emaj-167	414	2	journal	journal	PROPN
emaj-167	414	3	of	of	ADP
emaj-167	414	4	information	information	NOUN
emaj-167	414	5	management	management	NOUN
emaj-167	414	6	27	27	NUM
emaj-167	414	7	,	,	PUNCT
emaj-167	414	8	336–351	336–351	NUM
emaj-167	414	9	.	.	PUNCT