id	sid	tid	token	lemma	pos
emaj-345	1	1	volume	volume	NOUN
emaj-345	1	2	7	7	NUM
emaj-345	1	3	no	no	DET
emaj-345	1	4	2	2	NUM
emaj-345	1	5	(	(	PUNCT
emaj-345	1	6	2018	2018	NUM
emaj-345	1	7	)	)	PUNCT
emaj-345	2	1	|	|	ADV
emaj-345	2	2	issn	issn	VERB
emaj-345	2	3	2158	2158	NUM
emaj-345	2	4	-	-	SYM
emaj-345	2	5	8708	8708	NUM
emaj-345	2	6	(	(	PUNCT
emaj-345	2	7	online	online	NOUN
emaj-345	2	8	)	)	PUNCT
emaj-345	2	9	|	|	ADV
emaj-345	2	10	doi	doi	X
emaj-345	2	11	10.5195	10.5195	NUM
emaj-345	2	12	/	/	SYM
emaj-345	2	13	emaj.2018.134	emaj.2018.134	PROPN
emaj-345	2	14	|	|	ADV
emaj-345	2	15	http://emaj.pitt.edu	http://emaj.pitt.edu	X
emaj-345	2	16	supply	supply	NOUN
emaj-345	2	17	chain	chain	NOUN
emaj-345	2	18	finance	finance	NOUN
emaj-345	2	19	:	:	PUNCT
emaj-345	2	20	a	a	DET
emaj-345	2	21	study	study	NOUN
emaj-345	2	22	on	on	ADP
emaj-345	2	23	the	the	DET
emaj-345	2	24	use	use	NOUN
emaj-345	2	25	of	of	ADP
emaj-345	2	26	e	e	NOUN
emaj-345	2	27	-	-	NOUN
emaj-345	2	28	money	money	ADJ
emaj-345	2	29	yavuz	yavuz	PROPN
emaj-345	2	30	toraman	toraman	PROPN
emaj-345	2	31	nisantasi	nisantasi	PROPN
emaj-345	2	32	university	university	PROPN
emaj-345	2	33	,	,	PUNCT
emaj-345	2	34	turkey	turkey	NOUN
emaj-345	3	1	|	|	ADV
emaj-345	3	2	e	e	NOUN
emaj-345	3	3	-	-	NOUN
emaj-345	3	4	mail	mail	NOUN
emaj-345	3	5	:	:	PUNCT
emaj-345	4	1	:	:	PUNCT
emaj-345	4	2	yavuztrmn@gmail.com	yavuztrmn@gmail.com	X
emaj-345	4	3	olcay	olcay	NOUN
emaj-345	4	4	ölçen	ölçen	NOUN
emaj-345	4	5	aviation	aviation	PROPN
emaj-345	4	6	consulting	consulting	NOUN
emaj-345	4	7	group	group	NOUN
emaj-345	4	8	(	(	PUNCT
emaj-345	4	9	acg	acg	PROPN
emaj-345	4	10	)	)	PUNCT
emaj-345	4	11	,	,	PUNCT
emaj-345	4	12	turkey	turkey	NOUN
emaj-345	5	1	|	|	ADV
emaj-345	5	2	e	e	NOUN
emaj-345	5	3	-	-	NOUN
emaj-345	5	4	mail	mail	NOUN
emaj-345	5	5	:	:	PUNCT
emaj-345	5	6	:	:	PUNCT
emaj-345	5	7	olcay.olcen@gmail.com	olcay.olcen@gmail.com	X
emaj-345	5	8	onur	onur	PROPN
emaj-345	5	9	ceylan	ceylan	PROPN
emaj-345	5	10	nisantasi	nisantasi	PROPN
emaj-345	5	11	university	university	PROPN
emaj-345	5	12	,	,	PUNCT
emaj-345	5	13	turkey	turkey	NOUN
emaj-345	6	1	|	|	ADV
emaj-345	6	2	e	e	NOUN
emaj-345	6	3	-	-	NOUN
emaj-345	6	4	mail	mail	NOUN
emaj-345	6	5	:	:	PUNCT
emaj-345	6	6	:	:	PUNCT
emaj-345	6	7	onur.ceylan@nisantasi.edu.tr	onur.ceylan@nisantasi.edu.tr	ADJ
emaj-345	6	8	gizem	gizem	NOUN
emaj-345	6	9	mertoğlu	mertoğlu	NOUN
emaj-345	7	1	altinbas	altinbas	PRON
emaj-345	7	2	university	university	PROPN
emaj-345	7	3	,	,	PUNCT
emaj-345	7	4	turkey	turkey	NOUN
emaj-345	8	1	|	|	ADV
emaj-345	8	2	e	e	NOUN
emaj-345	8	3	-	-	NOUN
emaj-345	8	4	mail	mail	NOUN
emaj-345	8	5	:	:	PUNCT
emaj-345	9	1	:	:	PUNCT
emaj-345	9	2	gizemmertoglu@gmail.com	gizemmertoglu@gmail.com	X
emaj-345	9	3	abstract	abstract	ADJ
emaj-345	9	4	supply	supply	NOUN
emaj-345	9	5	chain	chain	NOUN
emaj-345	9	6	finance	finance	NOUN
emaj-345	9	7	(	(	PUNCT
emaj-345	9	8	scf	scf	PROPN
emaj-345	9	9	)	)	PUNCT
emaj-345	9	10	is	be	AUX
emaj-345	9	11	the	the	DET
emaj-345	9	12	process	process	NOUN
emaj-345	9	13	of	of	ADP
emaj-345	9	14	managing	manage	VERB
emaj-345	9	15	the	the	DET
emaj-345	9	16	necessary	necessary	ADJ
emaj-345	9	17	financing	financing	NOUN
emaj-345	9	18	for	for	ADP
emaj-345	9	19	the	the	DET
emaj-345	9	20	execution	execution	NOUN
emaj-345	9	21	of	of	ADP
emaj-345	9	22	procurement	procurement	NOUN
emaj-345	9	23	,	,	PUNCT
emaj-345	9	24	production	production	NOUN
emaj-345	9	25	,	,	PUNCT
emaj-345	9	26	storage	storage	NOUN
emaj-345	9	27	and	and	CCONJ
emaj-345	9	28	distribution	distribution	NOUN
emaj-345	9	29	processes	process	NOUN
emaj-345	9	30	.	.	PUNCT
emaj-345	10	1	cash	cash	NOUN
emaj-345	10	2	flows	flow	NOUN
emaj-345	10	3	have	have	AUX
emaj-345	10	4	become	become	VERB
emaj-345	10	5	a	a	DET
emaj-345	10	6	crucial	crucial	ADJ
emaj-345	10	7	element	element	NOUN
emaj-345	10	8	in	in	ADP
emaj-345	10	9	supply	supply	NOUN
emaj-345	10	10	chain	chain	NOUN
emaj-345	10	11	management	management	NOUN
emaj-345	10	12	(	(	PUNCT
emaj-345	10	13	scm	scm	PROPN
emaj-345	10	14	)	)	PUNCT
emaj-345	10	15	for	for	ADP
emaj-345	10	16	companies	company	NOUN
emaj-345	10	17	.	.	PUNCT
emaj-345	11	1	scf	scf	PROPN
emaj-345	11	2	is	be	AUX
emaj-345	11	3	a	a	DET
emaj-345	11	4	topic	topic	NOUN
emaj-345	11	5	that	that	PRON
emaj-345	11	6	companies	company	NOUN
emaj-345	11	7	should	should	AUX
emaj-345	11	8	focus	focus	VERB
emaj-345	11	9	more	more	ADV
emaj-345	11	10	on	on	ADV
emaj-345	11	11	,	,	PUNCT
emaj-345	11	12	especially	especially	ADV
emaj-345	11	13	during	during	ADP
emaj-345	11	14	times	time	NOUN
emaj-345	11	15	of	of	ADP
emaj-345	11	16	high	high	ADJ
emaj-345	11	17	interest	interest	NOUN
emaj-345	11	18	rates	rate	NOUN
emaj-345	11	19	and	and	CCONJ
emaj-345	11	20	stagnant	stagnant	ADJ
emaj-345	11	21	markets	market	NOUN
emaj-345	11	22	.	.	PUNCT
emaj-345	12	1	with	with	ADP
emaj-345	12	2	the	the	DET
emaj-345	12	3	advancement	advancement	NOUN
emaj-345	12	4	of	of	ADP
emaj-345	12	5	technologies	technology	NOUN
emaj-345	12	6	,	,	PUNCT
emaj-345	12	7	new	new	ADJ
emaj-345	12	8	payment	payment	NOUN
emaj-345	12	9	services	service	NOUN
emaj-345	12	10	offered	offer	VERB
emaj-345	12	11	to	to	ADP
emaj-345	12	12	consumers	consumer	NOUN
emaj-345	12	13	support	support	VERB
emaj-345	12	14	scf	scf	PROPN
emaj-345	12	15	processes	process	NOUN
emaj-345	12	16	.	.	PUNCT
emaj-345	13	1	e	e	X
emaj-345	13	2	-	-	NOUN
emaj-345	13	3	money	money	NOUN
emaj-345	13	4	is	be	AUX
emaj-345	13	5	one	one	NUM
emaj-345	13	6	of	of	ADP
emaj-345	13	7	the	the	DET
emaj-345	13	8	significant	significant	ADJ
emaj-345	13	9	examples	example	NOUN
emaj-345	13	10	of	of	ADP
emaj-345	13	11	this	this	PRON
emaj-345	13	12	.	.	PUNCT
emaj-345	14	1	it	it	PRON
emaj-345	14	2	has	have	AUX
emaj-345	14	3	been	be	AUX
emaj-345	14	4	frequently	frequently	ADV
emaj-345	14	5	used	use	VERB
emaj-345	14	6	in	in	ADP
emaj-345	14	7	retail	retail	NOUN
emaj-345	14	8	recently	recently	ADV
emaj-345	14	9	.	.	PUNCT
emaj-345	15	1	e	e	X
emaj-345	15	2	-	-	NOUN
emaj-345	15	3	money	money	NOUN
emaj-345	15	4	is	be	AUX
emaj-345	15	5	monetary	monetary	ADJ
emaj-345	15	6	value	value	NOUN
emaj-345	15	7	issued	issue	VERB
emaj-345	15	8	in	in	ADP
emaj-345	15	9	exchange	exchange	NOUN
emaj-345	15	10	for	for	ADP
emaj-345	15	11	accepted	accepted	ADJ
emaj-345	15	12	funds	fund	NOUN
emaj-345	15	13	,	,	PUNCT
emaj-345	15	14	stored	store	VERB
emaj-345	15	15	electronically	electronically	ADV
emaj-345	15	16	,	,	PUNCT
emaj-345	15	17	and	and	CCONJ
emaj-345	15	18	used	use	VERB
emaj-345	15	19	for	for	ADP
emaj-345	15	20	payments	payment	NOUN
emaj-345	15	21	.	.	PUNCT
emaj-345	16	1	e	e	X
emaj-345	16	2	-	-	NOUN
emaj-345	16	3	money	money	NOUN
emaj-345	16	4	can	can	AUX
emaj-345	16	5	be	be	AUX
emaj-345	16	6	used	use	VERB
emaj-345	16	7	via	via	ADP
emaj-345	16	8	virtual	virtual	ADJ
emaj-345	16	9	and	and	CCONJ
emaj-345	16	10	physical	physical	ADJ
emaj-345	16	11	cards	card	NOUN
emaj-345	16	12	.	.	PUNCT
emaj-345	17	1	e	e	X
emaj-345	17	2	-	-	NOUN
emaj-345	17	3	money	money	NOUN
emaj-345	17	4	is	be	AUX
emaj-345	17	5	also	also	ADV
emaj-345	17	6	known	know	VERB
emaj-345	17	7	as	as	ADP
emaj-345	17	8	prepaid	prepaid	ADJ
emaj-345	17	9	cards	card	NOUN
emaj-345	17	10	.	.	PUNCT
emaj-345	18	1	in	in	ADP
emaj-345	18	2	the	the	DET
emaj-345	18	3	retail	retail	ADJ
emaj-345	18	4	sector	sector	NOUN
emaj-345	18	5	,	,	PUNCT
emaj-345	18	6	a-101	a-101	NOUN
emaj-345	18	7	's	's	PART
emaj-345	18	8	hadi	hadi	NOUN
emaj-345	18	9	and	and	CCONJ
emaj-345	18	10	şok	şok	PROPN
emaj-345	18	11	market	market	NOUN
emaj-345	18	12	's	's	PART
emaj-345	18	13	win	win	NOUN
emaj-345	18	14	application	application	NOUN
emaj-345	18	15	are	be	AUX
emaj-345	18	16	notable	notable	ADJ
emaj-345	18	17	examples	example	NOUN
emaj-345	18	18	in	in	ADP
emaj-345	18	19	this	this	DET
emaj-345	18	20	field	field	NOUN
emaj-345	18	21	.	.	PUNCT
emaj-345	19	1	companies	company	NOUN
emaj-345	19	2	'	'	PART
emaj-345	19	3	e	e	NOUN
emaj-345	19	4	-	-	NOUN
emaj-345	19	5	money	money	NOUN
emaj-345	19	6	applications	application	NOUN
emaj-345	19	7	are	be	AUX
emaj-345	19	8	crucial	crucial	ADJ
emaj-345	19	9	for	for	ADP
emaj-345	19	10	scf	scf	PROPN
emaj-345	19	11	.	.	PUNCT
emaj-345	20	1	the	the	DET
emaj-345	20	2	ability	ability	NOUN
emaj-345	20	3	for	for	SCONJ
emaj-345	20	4	consumers	consumer	NOUN
emaj-345	20	5	to	to	PART
emaj-345	20	6	shop	shop	VERB
emaj-345	20	7	using	use	VERB
emaj-345	20	8	cash	cash	NOUN
emaj-345	20	9	loaded	load	VERB
emaj-345	20	10	onto	onto	ADP
emaj-345	20	11	virtual	virtual	ADJ
emaj-345	20	12	e	e	NOUN
emaj-345	20	13	-	-	NOUN
emaj-345	20	14	money	money	NOUN
emaj-345	20	15	cards	card	NOUN
emaj-345	20	16	(	(	PUNCT
emaj-345	20	17	accounts	account	NOUN
emaj-345	20	18	)	)	PUNCT
emaj-345	20	19	allows	allow	VERB
emaj-345	20	20	companies	company	NOUN
emaj-345	20	21	to	to	PART
emaj-345	20	22	utilize	utilize	VERB
emaj-345	20	23	the	the	DET
emaj-345	20	24	money	money	NOUN
emaj-345	20	25	during	during	ADP
emaj-345	20	26	the	the	DET
emaj-345	20	27	period	period	NOUN
emaj-345	20	28	between	between	ADP
emaj-345	20	29	the	the	DET
emaj-345	20	30	cash	cash	NOUN
emaj-345	20	31	being	be	AUX
emaj-345	20	32	loaded	load	VERB
emaj-345	20	33	and	and	CCONJ
emaj-345	20	34	the	the	DET
emaj-345	20	35	expenditure	expenditure	NOUN
emaj-345	20	36	being	be	AUX
emaj-345	20	37	made	make	VERB
emaj-345	20	38	.	.	PUNCT
emaj-345	21	1	this	this	DET
emaj-345	21	2	situation	situation	NOUN
emaj-345	21	3	provides	provide	VERB
emaj-345	21	4	a	a	DET
emaj-345	21	5	significant	significant	ADJ
emaj-345	21	6	advantage	advantage	NOUN
emaj-345	21	7	in	in	ADP
emaj-345	21	8	companies	company	NOUN
emaj-345	21	9	'	'	PART
emaj-345	21	10	cash	cash	NOUN
emaj-345	21	11	flows	flow	NOUN
emaj-345	21	12	.	.	PUNCT
emaj-345	22	1	the	the	DET
emaj-345	22	2	current	current	ADJ
emaj-345	22	3	research	research	NOUN
emaj-345	22	4	examined	examine	VERB
emaj-345	22	5	how	how	SCONJ
emaj-345	22	6	consumers	consumer	NOUN
emaj-345	22	7	perceive	perceive	VERB
emaj-345	22	8	this	this	DET
emaj-345	22	9	process	process	NOUN
emaj-345	22	10	.	.	PUNCT
emaj-345	23	1	the	the	DET
emaj-345	23	2	technology	technology	NOUN
emaj-345	23	3	acceptance	acceptance	NOUN
emaj-345	23	4	model	model	NOUN
emaj-345	23	5	(	(	PUNCT
emaj-345	23	6	tam	tam	PROPN
emaj-345	23	7	)	)	PUNCT
emaj-345	23	8	,	,	PUNCT
emaj-345	23	9	which	which	PRON
emaj-345	23	10	is	be	AUX
emaj-345	23	11	frequently	frequently	ADV
emaj-345	23	12	used	use	VERB
emaj-345	23	13	in	in	ADP
emaj-345	23	14	the	the	DET
emaj-345	23	15	acceptance	acceptance	NOUN
emaj-345	23	16	of	of	ADP
emaj-345	23	17	new	new	ADJ
emaj-345	23	18	technologies	technology	NOUN
emaj-345	23	19	,	,	PUNCT
emaj-345	23	20	was	be	AUX
emaj-345	23	21	employed	employ	VERB
emaj-345	23	22	in	in	ADP
emaj-345	23	23	the	the	DET
emaj-345	23	24	research	research	NOUN
emaj-345	23	25	.	.	PUNCT
emaj-345	24	1	due	due	ADP
emaj-345	24	2	to	to	ADP
emaj-345	24	3	the	the	DET
emaj-345	24	4	examination	examination	NOUN
emaj-345	24	5	of	of	ADP
emaj-345	24	6	multiple	multiple	ADJ
emaj-345	24	7	variables	variable	NOUN
emaj-345	24	8	and	and	CCONJ
emaj-345	24	9	their	their	PRON
emaj-345	24	10	relationships	relationship	NOUN
emaj-345	24	11	in	in	ADP
emaj-345	24	12	the	the	DET
emaj-345	24	13	research	research	NOUN
emaj-345	24	14	,	,	PUNCT
emaj-345	24	15	the	the	DET
emaj-345	24	16	structural	structural	ADJ
emaj-345	24	17	equation	equation	NOUN
emaj-345	24	18	model	model	NOUN
emaj-345	24	19	(	(	PUNCT
emaj-345	24	20	sem	sem	NOUN
emaj-345	24	21	)	)	PUNCT
emaj-345	24	22	was	be	AUX
emaj-345	24	23	used	use	VERB
emaj-345	24	24	.	.	PUNCT
emaj-345	25	1	the	the	DET
emaj-345	25	2	smart	smart	ADJ
emaj-345	25	3	-	-	PUNCT
emaj-345	25	4	pls	pls	NOUN
emaj-345	25	5	4	4	NUM
emaj-345	25	6	package	package	NOUN
emaj-345	25	7	program	program	NOUN
emaj-345	25	8	was	be	AUX
emaj-345	25	9	used	use	VERB
emaj-345	25	10	during	during	ADP
emaj-345	25	11	the	the	DET
emaj-345	25	12	analysis	analysis	NOUN
emaj-345	25	13	process	process	NOUN
emaj-345	25	14	.	.	PUNCT
emaj-345	26	1	according	accord	VERB
emaj-345	26	2	to	to	ADP
emaj-345	26	3	the	the	DET
emaj-345	26	4	results	result	NOUN
emaj-345	26	5	obtained	obtain	VERB
emaj-345	26	6	,	,	PUNCT
emaj-345	26	7	it	it	PRON
emaj-345	26	8	can	can	AUX
emaj-345	26	9	be	be	AUX
emaj-345	26	10	said	say	VERB
emaj-345	26	11	that	that	SCONJ
emaj-345	26	12	consumers	consumer	NOUN
emaj-345	26	13	are	be	AUX
emaj-345	26	14	considering	consider	VERB
emaj-345	26	15	completing	complete	VERB
emaj-345	26	16	their	their	PRON
emaj-345	26	17	shopping	shopping	NOUN
emaj-345	26	18	using	use	VERB
emaj-345	26	19	retailers	retailer	NOUN
emaj-345	26	20	'	'	PART
emaj-345	26	21	e	e	NOUN
emaj-345	26	22	-	-	NOUN
emaj-345	26	23	money	money	NOUN
emaj-345	26	24	.	.	PUNCT
emaj-345	27	1	the	the	DET
emaj-345	27	2	positive	positive	ADJ
emaj-345	27	3	impact	impact	NOUN
emaj-345	27	4	of	of	ADP
emaj-345	27	5	pu	pu	PROPN
emaj-345	27	6	on	on	ADV
emaj-345	27	7	at	at	ADP
emaj-345	27	8	and	and	CCONJ
emaj-345	27	9	at	at	ADP
emaj-345	27	10	on	on	ADP
emaj-345	27	11	intention	intention	NOUN
emaj-345	27	12	are	be	AUX
emaj-345	27	13	among	among	ADP
emaj-345	27	14	the	the	DET
emaj-345	27	15	significant	significant	ADJ
emaj-345	27	16	outcomes	outcome	NOUN
emaj-345	27	17	of	of	ADP
emaj-345	27	18	the	the	DET
emaj-345	27	19	research	research	NOUN
emaj-345	27	20	.	.	PUNCT
emaj-345	28	1	since	since	SCONJ
emaj-345	28	2	consumers	consumer	NOUN
emaj-345	28	3	have	have	AUX
emaj-345	28	4	actively	actively	ADV
emaj-345	28	5	used	use	VERB
emaj-345	28	6	many	many	ADJ
emaj-345	28	7	digital	digital	ADJ
emaj-345	28	8	payment	payment	NOUN
emaj-345	28	9	methods	method	NOUN
emaj-345	28	10	,	,	PUNCT
emaj-345	28	11	especially	especially	ADV
emaj-345	28	12	after	after	ADP
emaj-345	28	13	covid-19	covid-19	PROPN
emaj-345	28	14	,	,	PUNCT
emaj-345	28	15	it	it	PRON
emaj-345	28	16	is	be	AUX
emaj-345	28	17	likely	likely	ADJ
emaj-345	28	18	that	that	SCONJ
emaj-345	28	19	they	they	PRON
emaj-345	28	20	will	will	AUX
emaj-345	28	21	adapt	adapt	VERB
emaj-345	28	22	to	to	ADP
emaj-345	28	23	the	the	DET
emaj-345	28	24	use	use	NOUN
emaj-345	28	25	of	of	ADP
emaj-345	28	26	e	e	NOUN
emaj-345	28	27	-	-	NOUN
emaj-345	28	28	money	money	NOUN
emaj-345	28	29	and	and	CCONJ
emaj-345	28	30	digital	digital	ADJ
emaj-345	28	31	payment	payment	NOUN
emaj-345	28	32	applications	application	NOUN
emaj-345	28	33	in	in	ADP
emaj-345	28	34	the	the	DET
emaj-345	28	35	future	future	NOUN
emaj-345	28	36	.	.	PUNCT
emaj-345	29	1	keywords	keyword	NOUN
emaj-345	29	2	:	:	PUNCT
emaj-345	29	3	logistics	logistic	NOUN
emaj-345	29	4	,	,	PUNCT
emaj-345	29	5	supply	supply	NOUN
emaj-345	29	6	chain	chain	NOUN
emaj-345	29	7	management	management	NOUN
emaj-345	29	8	,	,	PUNCT
emaj-345	29	9	supply	supply	NOUN
emaj-345	29	10	chain	chain	NOUN
emaj-345	29	11	finance	finance	NOUN
emaj-345	29	12	,	,	PUNCT
emaj-345	29	13	finance	finance	NOUN
emaj-345	29	14	,	,	PUNCT
emaj-345	29	15	e	e	NOUN
emaj-345	29	16	-	-	NOUN
emaj-345	29	17	money	money	NOUN
emaj-345	29	18	volume	volume	NOUN
emaj-345	29	19	14	14	NUM
emaj-345	29	20	no	no	DET
emaj-345	29	21	2	2	NUM
emaj-345	29	22	(	(	PUNCT
emaj-345	29	23	2024	2024	NUM
emaj-345	29	24	)	)	PUNCT
emaj-345	29	25	|	|	ADV
emaj-345	29	26	issn	issn	VERB
emaj-345	29	27	2158	2158	NUM
emaj-345	29	28	-	-	SYM
emaj-345	29	29	8708	8708	NUM
emaj-345	29	30	(	(	PUNCT
emaj-345	29	31	online	online	NOUN
emaj-345	29	32	)	)	PUNCT
emaj-345	29	33	|	|	ADV
emaj-345	29	34	doi	doi	X
emaj-345	29	35	10.5195	10.5195	NUM
emaj-345	29	36	/	/	SYM
emaj-345	29	37	emaj.2024.345	emaj.2024.345	PROPN
emaj-345	29	38	|	|	ADV
emaj-345	29	39	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-345	29	40	|	|	ADV
emaj-345	29	41	mailto:yavuztrmn@gmail.com	mailto:yavuztrmn@gmail.com	X
emaj-345	29	42	mailto:olcay.olcen@gmail.com	mailto:olcay.olcen@gmail.com	X
emaj-345	30	1	mailto:gizemmertoglu@gmail.com	mailto:gizemmertoglu@gmail.com	PROPN
emaj-345	30	2	volume	volume	NOUN
emaj-345	30	3	14	14	NUM
emaj-345	30	4	no	no	DET
emaj-345	30	5	2	2	NUM
emaj-345	30	6	(	(	PUNCT
emaj-345	30	7	2024	2024	NUM
emaj-345	30	8	)	)	PUNCT
emaj-345	30	9	|	|	ADV
emaj-345	30	10	issn	issn	VERB
emaj-345	30	11	2158	2158	NUM
emaj-345	30	12	-	-	SYM
emaj-345	30	13	8708	8708	NUM
emaj-345	30	14	(	(	PUNCT
emaj-345	30	15	online	online	NOUN
emaj-345	30	16	)	)	PUNCT
emaj-345	30	17	|	|	ADV
emaj-345	30	18	doi	doi	X
emaj-345	30	19	10.5195	10.5195	NUM
emaj-345	30	20	/	/	SYM
emaj-345	30	21	emaj.2024.345	emaj.2024.345	PROPN
emaj-345	30	22	|	|	ADV
emaj-345	30	23	http://emaj.pitt.edu	http://emaj.pitt.edu	X
emaj-345	30	24	supply	supply	NOUN
emaj-345	30	25	chain	chain	NOUN
emaj-345	30	26	finance	finance	NOUN
emaj-345	30	27	:	:	PUNCT
emaj-345	30	28	a	a	DET
emaj-345	30	29	study	study	NOUN
emaj-345	30	30	on	on	ADP
emaj-345	30	31	the	the	DET
emaj-345	30	32	use	use	NOUN
emaj-345	30	33	of	of	ADP
emaj-345	30	34	e	e	NOUN
emaj-345	30	35	-	-	NOUN
emaj-345	30	36	money	money	NOUN
emaj-345	30	37	page	page	NOUN
emaj-345	30	38	|18|	|18|	NOUN
emaj-345	30	39	emerging	emerge	VERB
emaj-345	30	40	markets	market	NOUN
emaj-345	30	41	journal	journal	NOUN
emaj-345	30	42	supply	supply	NOUN
emaj-345	30	43	chain	chain	NOUN
emaj-345	30	44	finance	finance	NOUN
emaj-345	30	45	:	:	PUNCT
emaj-345	30	46	a	a	DET
emaj-345	30	47	study	study	NOUN
emaj-345	30	48	on	on	ADP
emaj-345	30	49	the	the	DET
emaj-345	30	50	use	use	NOUN
emaj-345	30	51	of	of	ADP
emaj-345	30	52	e	e	NOUN
emaj-345	30	53	-	-	NOUN
emaj-345	30	54	money	money	ADJ
emaj-345	30	55	yavuz	yavuz	NOUN
emaj-345	30	56	toraman	toraman	NOUN
emaj-345	30	57	olcay	olcay	NOUN
emaj-345	30	58	ölçen	ölçen	NOUN
emaj-345	30	59	onur	onur	PROPN
emaj-345	30	60	ceylan	ceylan	PROPN
emaj-345	30	61	gizem	gizem	PROPN
emaj-345	30	62	mertoğlu	mertoğlu	PROPN
emaj-345	30	63	i.	i.	PROPN
emaj-345	30	64	introduction	introduction	NOUN
emaj-345	30	65	digitalization	digitalization	NOUN
emaj-345	30	66	continues	continue	VERB
emaj-345	30	67	to	to	PART
emaj-345	30	68	develop	develop	VERB
emaj-345	30	69	with	with	ADP
emaj-345	30	70	the	the	DET
emaj-345	30	71	changing	change	VERB
emaj-345	30	72	individual	individual	ADJ
emaj-345	30	73	and	and	CCONJ
emaj-345	30	74	institutional	institutional	ADJ
emaj-345	30	75	needs	need	NOUN
emaj-345	30	76	every	every	DET
emaj-345	30	77	passing	passing	ADJ
emaj-345	30	78	day	day	NOUN
emaj-345	30	79	.	.	PUNCT
emaj-345	31	1	especially	especially	ADV
emaj-345	31	2	in	in	ADP
emaj-345	31	3	the	the	DET
emaj-345	31	4	early	early	ADJ
emaj-345	31	5	2000s	2000s	NUM
emaj-345	31	6	,	,	PUNCT
emaj-345	31	7	the	the	DET
emaj-345	31	8	development	development	NOUN
emaj-345	31	9	of	of	ADP
emaj-345	31	10	the	the	DET
emaj-345	31	11	internet	internet	NOUN
emaj-345	31	12	facilitated	facilitate	VERB
emaj-345	31	13	communication	communication	NOUN
emaj-345	31	14	and	and	CCONJ
emaj-345	31	15	interaction	interaction	NOUN
emaj-345	31	16	over	over	ADP
emaj-345	31	17	long	long	ADJ
emaj-345	31	18	distances	distance	NOUN
emaj-345	31	19	.	.	PUNCT
emaj-345	32	1	concurrently	concurrently	ADV
emaj-345	32	2	,	,	PUNCT
emaj-345	32	3	the	the	DET
emaj-345	32	4	advancement	advancement	NOUN
emaj-345	32	5	in	in	ADP
emaj-345	32	6	smartphone	smartphone	NOUN
emaj-345	32	7	technology	technology	NOUN
emaj-345	32	8	has	have	AUX
emaj-345	32	9	shown	show	VERB
emaj-345	32	10	a	a	DET
emaj-345	32	11	linear	linear	ADJ
emaj-345	32	12	increase	increase	NOUN
emaj-345	32	13	in	in	ADP
emaj-345	32	14	ecommerce	ecommerce	NOUN
emaj-345	32	15	volume	volume	NOUN
emaj-345	32	16	.	.	PUNCT
emaj-345	33	1	the	the	DET
emaj-345	33	2	rise	rise	NOUN
emaj-345	33	3	in	in	ADP
emaj-345	33	4	e	e	NOUN
emaj-345	33	5	-	-	NOUN
emaj-345	33	6	commerce	commerce	NOUN
emaj-345	33	7	has	have	AUX
emaj-345	33	8	enabled	enable	VERB
emaj-345	33	9	the	the	DET
emaj-345	33	10	transition	transition	NOUN
emaj-345	33	11	of	of	ADP
emaj-345	33	12	retail	retail	ADJ
emaj-345	33	13	trade	trade	NOUN
emaj-345	33	14	to	to	ADP
emaj-345	33	15	digital	digital	ADJ
emaj-345	33	16	platforms	platform	NOUN
emaj-345	33	17	.	.	PUNCT
emaj-345	34	1	although	although	SCONJ
emaj-345	34	2	e	e	NOUN
emaj-345	34	3	-	-	NOUN
emaj-345	34	4	commerce	commerce	NOUN
emaj-345	34	5	activities	activity	NOUN
emaj-345	34	6	hold	hold	VERB
emaj-345	34	7	a	a	DET
emaj-345	34	8	significant	significant	ADJ
emaj-345	34	9	place	place	NOUN
emaj-345	34	10	today	today	NOUN
emaj-345	34	11	,	,	PUNCT
emaj-345	34	12	when	when	SCONJ
emaj-345	34	13	examined	examine	VERB
emaj-345	34	14	specifically	specifically	ADV
emaj-345	34	15	in	in	ADP
emaj-345	34	16	turkey	turkey	NOUN
emaj-345	34	17	,	,	PUNCT
emaj-345	34	18	its	its	PRON
emaj-345	34	19	share	share	NOUN
emaj-345	34	20	in	in	ADP
emaj-345	34	21	retailing	retailing	NOUN
emaj-345	34	22	is	be	AUX
emaj-345	34	23	around	around	ADV
emaj-345	34	24	20	20	NUM
emaj-345	34	25	%	%	NOUN
emaj-345	34	26	(	(	PUNCT
emaj-345	34	27	ministry	ministry	NOUN
emaj-345	34	28	of	of	ADP
emaj-345	34	29	trade	trade	NOUN
emaj-345	34	30	,	,	PUNCT
emaj-345	34	31	2024	2024	NUM
emaj-345	34	32	)	)	PUNCT
emaj-345	34	33	.	.	PUNCT
emaj-345	35	1	ultimately	ultimately	ADV
emaj-345	35	2	,	,	PUNCT
emaj-345	35	3	the	the	DET
emaj-345	35	4	volume	volume	NOUN
emaj-345	35	5	of	of	ADP
emaj-345	35	6	in	in	ADP
emaj-345	35	7	-	-	PUNCT
emaj-345	35	8	store	store	NOUN
emaj-345	35	9	retail	retail	NOUN
emaj-345	35	10	in	in	ADP
emaj-345	35	11	trade	trade	NOUN
emaj-345	35	12	activities	activity	NOUN
emaj-345	35	13	remains	remain	VERB
emaj-345	35	14	quite	quite	ADV
emaj-345	35	15	significant	significant	ADJ
emaj-345	35	16	.	.	PUNCT
emaj-345	36	1	however	however	ADV
emaj-345	36	2	,	,	PUNCT
emaj-345	36	3	the	the	DET
emaj-345	36	4	retail	retail	ADJ
emaj-345	36	5	sector	sector	NOUN
emaj-345	36	6	has	have	AUX
emaj-345	36	7	started	start	VERB
emaj-345	36	8	to	to	PART
emaj-345	36	9	utilize	utilize	VERB
emaj-345	36	10	digitalized	digitalized	ADJ
emaj-345	36	11	activities	activity	NOUN
emaj-345	36	12	.	.	PUNCT
emaj-345	37	1	particularly	particularly	ADV
emaj-345	37	2	with	with	ADP
emaj-345	37	3	the	the	DET
emaj-345	37	4	covid-19	covid-19	PROPN
emaj-345	37	5	pandemic	pandemic	NOUN
emaj-345	37	6	,	,	PUNCT
emaj-345	37	7	the	the	DET
emaj-345	37	8	increase	increase	NOUN
emaj-345	37	9	in	in	ADP
emaj-345	37	10	people	people	NOUN
emaj-345	37	11	's	's	PART
emaj-345	37	12	e	e	PROPN
emaj-345	37	13	-	-	NOUN
emaj-345	37	14	commerce	commerce	NOUN
emaj-345	37	15	activities	activity	NOUN
emaj-345	37	16	has	have	AUX
emaj-345	37	17	digitalized	digitalize	VERB
emaj-345	37	18	both	both	PRON
emaj-345	37	19	purchasing	purchasing	NOUN
emaj-345	37	20	processes	process	NOUN
emaj-345	37	21	and	and	CCONJ
emaj-345	37	22	payment	payment	NOUN
emaj-345	37	23	methods	method	NOUN
emaj-345	37	24	(	(	PUNCT
emaj-345	37	25	toraman	toraman	NOUN
emaj-345	37	26	&	&	CCONJ
emaj-345	37	27	yüksel	yüksel	PROPN
emaj-345	37	28	,	,	PUNCT
emaj-345	37	29	2022	2022	NUM
emaj-345	37	30	)	)	PUNCT
emaj-345	37	31	.	.	PUNCT
emaj-345	38	1	in	in	ADP
emaj-345	38	2	this	this	DET
emaj-345	38	3	context	context	NOUN
emaj-345	38	4	,	,	PUNCT
emaj-345	38	5	contactless	contactless	ADJ
emaj-345	38	6	payment	payment	NOUN
emaj-345	38	7	,	,	PUNCT
emaj-345	38	8	instant	instant	ADJ
emaj-345	38	9	and	and	CCONJ
emaj-345	38	10	continuous	continuous	ADJ
emaj-345	38	11	transfer	transfer	NOUN
emaj-345	38	12	of	of	ADP
emaj-345	38	13	funds	fund	NOUN
emaj-345	38	14	(	(	PUNCT
emaj-345	38	15	fast	fast	ADJ
emaj-345	38	16	)	)	PUNCT
emaj-345	38	17	,	,	PUNCT
emaj-345	38	18	ewallet	ewallet	NOUN
emaj-345	38	19	,	,	PUNCT
emaj-345	38	20	virtual	virtual	ADJ
emaj-345	38	21	pos	pos	NOUN
emaj-345	38	22	,	,	PUNCT
emaj-345	38	23	nfc	nfc	NOUN
emaj-345	38	24	payments	payment	NOUN
emaj-345	38	25	,	,	PUNCT
emaj-345	38	26	gift	gift	NOUN
emaj-345	38	27	cards	card	NOUN
emaj-345	38	28	,	,	PUNCT
emaj-345	38	29	qr	qr	PROPN
emaj-345	38	30	code	code	PROPN
emaj-345	38	31	,	,	PUNCT
emaj-345	38	32	digital	digital	ADJ
emaj-345	38	33	money	money	NOUN
emaj-345	38	34	,	,	PUNCT
emaj-345	38	35	cryptocurrency	cryptocurrency	NOUN
emaj-345	38	36	,	,	PUNCT
emaj-345	38	37	e	e	NOUN
emaj-345	38	38	-	-	NOUN
emaj-345	38	39	money	money	NOUN
emaj-345	38	40	,	,	PUNCT
emaj-345	38	41	etc	etc	X
emaj-345	38	42	.	.	X
emaj-345	38	43	,	,	PUNCT
emaj-345	38	44	payment	payment	NOUN
emaj-345	38	45	methods	method	NOUN
emaj-345	38	46	have	have	AUX
emaj-345	38	47	been	be	AUX
emaj-345	38	48	made	make	VERB
emaj-345	38	49	available	available	ADJ
emaj-345	38	50	to	to	ADP
emaj-345	38	51	consumers	consumer	NOUN
emaj-345	38	52	(	(	PUNCT
emaj-345	38	53	toraman	toraman	NOUN
emaj-345	38	54	,	,	PUNCT
emaj-345	38	55	2022	2022	NUM
emaj-345	38	56	)	)	PUNCT
emaj-345	38	57	.	.	PUNCT
emaj-345	39	1	consumers	consumer	NOUN
emaj-345	39	2	,	,	PUNCT
emaj-345	39	3	although	although	SCONJ
emaj-345	39	4	limited	limit	VERB
emaj-345	39	5	,	,	PUNCT
emaj-345	39	6	are	be	AUX
emaj-345	39	7	using	use	VERB
emaj-345	39	8	various	various	ADJ
emaj-345	39	9	payment	payment	NOUN
emaj-345	39	10	methods	method	NOUN
emaj-345	39	11	.	.	PUNCT
emaj-345	40	1	retailers	retailer	NOUN
emaj-345	40	2	are	be	AUX
emaj-345	40	3	also	also	ADV
emaj-345	40	4	benefiting	benefit	VERB
emaj-345	40	5	from	from	ADP
emaj-345	40	6	these	these	DET
emaj-345	40	7	payment	payment	NOUN
emaj-345	40	8	methods	method	NOUN
emaj-345	40	9	by	by	ADP
emaj-345	40	10	improving	improve	VERB
emaj-345	40	11	their	their	PRON
emaj-345	40	12	technological	technological	ADJ
emaj-345	40	13	infrastructure	infrastructure	NOUN
emaj-345	40	14	.	.	PUNCT
emaj-345	41	1	retailers	retailer	NOUN
emaj-345	41	2	offer	offer	VERB
emaj-345	41	3	e	e	NOUN
emaj-345	41	4	-	-	NOUN
emaj-345	41	5	money	money	NOUN
emaj-345	41	6	applications	application	NOUN
emaj-345	41	7	to	to	ADP
emaj-345	41	8	their	their	PRON
emaj-345	41	9	consumers	consumer	NOUN
emaj-345	41	10	,	,	PUNCT
emaj-345	41	11	which	which	PRON
emaj-345	41	12	are	be	AUX
emaj-345	41	13	the	the	DET
emaj-345	41	14	subject	subject	NOUN
emaj-345	41	15	of	of	ADP
emaj-345	41	16	the	the	DET
emaj-345	41	17	research	research	NOUN
emaj-345	41	18	.	.	PUNCT
emaj-345	42	1	emoney	emoney	PROPN
emaj-345	42	2	is	be	AUX
emaj-345	42	3	a	a	DET
emaj-345	42	4	monetary	monetary	ADJ
emaj-345	42	5	value	value	NOUN
emaj-345	42	6	that	that	PRON
emaj-345	42	7	can	can	AUX
emaj-345	42	8	be	be	AUX
emaj-345	42	9	issued	issue	VERB
emaj-345	42	10	in	in	ADP
emaj-345	42	11	exchange	exchange	NOUN
emaj-345	42	12	for	for	ADP
emaj-345	42	13	funds	fund	NOUN
emaj-345	42	14	.	.	PUNCT
emaj-345	43	1	e	e	X
emaj-345	43	2	-	-	NOUN
emaj-345	43	3	money	money	NOUN
emaj-345	43	4	is	be	AUX
emaj-345	43	5	stored	store	VERB
emaj-345	43	6	electronically	electronically	ADV
emaj-345	43	7	and	and	CCONJ
emaj-345	43	8	used	use	VERB
emaj-345	43	9	in	in	ADP
emaj-345	43	10	payment	payment	NOUN
emaj-345	43	11	methods	method	NOUN
emaj-345	43	12	.	.	PUNCT
emaj-345	44	1	another	another	DET
emaj-345	44	2	type	type	NOUN
emaj-345	44	3	of	of	ADP
emaj-345	44	4	e	e	NOUN
emaj-345	44	5	-	-	NOUN
emaj-345	44	6	money	money	NOUN
emaj-345	44	7	is	be	AUX
emaj-345	44	8	prepaid	prepaid	ADJ
emaj-345	44	9	cards	card	NOUN
emaj-345	44	10	.	.	PUNCT
emaj-345	45	1	prepaid	prepaid	ADJ
emaj-345	45	2	cards	card	NOUN
emaj-345	45	3	are	be	AUX
emaj-345	45	4	virtual	virtual	ADJ
emaj-345	45	5	or	or	CCONJ
emaj-345	45	6	physical	physical	ADJ
emaj-345	45	7	cards	card	NOUN
emaj-345	45	8	that	that	PRON
emaj-345	45	9	can	can	AUX
emaj-345	45	10	be	be	AUX
emaj-345	45	11	used	use	VERB
emaj-345	45	12	for	for	ADP
emaj-345	45	13	payments	payment	NOUN
emaj-345	45	14	in	in	ADP
emaj-345	45	15	exchange	exchange	NOUN
emaj-345	45	16	for	for	ADP
emaj-345	45	17	a	a	DET
emaj-345	45	18	specific	specific	ADJ
emaj-345	45	19	amount	amount	NOUN
emaj-345	45	20	of	of	ADP
emaj-345	45	21	funds	fund	NOUN
emaj-345	45	22	(	(	PUNCT
emaj-345	45	23	todeb	todeb	INTJ
emaj-345	45	24	,	,	PUNCT
emaj-345	45	25	2024	2024	NUM
emaj-345	45	26	)	)	PUNCT
emaj-345	45	27	.	.	PUNCT
emaj-345	46	1	currently	currently	ADV
emaj-345	46	2	,	,	PUNCT
emaj-345	46	3	it	it	PRON
emaj-345	46	4	is	be	AUX
emaj-345	46	5	used	use	VERB
emaj-345	46	6	by	by	ADP
emaj-345	46	7	retailers	retailer	NOUN
emaj-345	46	8	such	such	ADJ
emaj-345	46	9	as	as	ADP
emaj-345	46	10	a-101	a-101	PROPN
emaj-345	46	11	,	,	PUNCT
emaj-345	46	12	şok	şok	NOUN
emaj-345	46	13	market	market	NOUN
emaj-345	46	14	,	,	PUNCT
emaj-345	46	15	and	and	CCONJ
emaj-345	46	16	bi̇m	bi̇m	X
emaj-345	46	17	.	.	PUNCT
emaj-345	47	1	additionally	additionally	ADV
emaj-345	47	2	,	,	PUNCT
emaj-345	47	3	emoney	emoney	PROPN
emaj-345	47	4	can	can	AUX
emaj-345	47	5	be	be	AUX
emaj-345	47	6	offered	offer	VERB
emaj-345	47	7	to	to	ADP
emaj-345	47	8	consumers	consumer	NOUN
emaj-345	47	9	in	in	ADP
emaj-345	47	10	the	the	DET
emaj-345	47	11	form	form	NOUN
emaj-345	47	12	of	of	ADP
emaj-345	47	13	prepaid	prepaid	ADJ
emaj-345	47	14	cards	card	NOUN
emaj-345	47	15	like	like	ADP
emaj-345	47	16	ininal	ininal	ADJ
emaj-345	47	17	cards	card	NOUN
emaj-345	47	18	.	.	PUNCT
emaj-345	48	1	the	the	DET
emaj-345	48	2	characteristic	characteristic	NOUN
emaj-345	48	3	of	of	ADP
emaj-345	48	4	e	e	NOUN
emaj-345	48	5	-	-	NOUN
emaj-345	48	6	money	money	NOUN
emaj-345	48	7	is	be	AUX
emaj-345	48	8	that	that	SCONJ
emaj-345	48	9	it	it	PRON
emaj-345	48	10	grants	grant	VERB
emaj-345	48	11	the	the	DET
emaj-345	48	12	right	right	NOUN
emaj-345	48	13	to	to	PART
emaj-345	48	14	use	use	VERB
emaj-345	48	15	it	it	PRON
emaj-345	48	16	up	up	ADP
emaj-345	48	17	to	to	ADP
emaj-345	48	18	the	the	DET
emaj-345	48	19	amount	amount	NOUN
emaj-345	48	20	of	of	ADP
emaj-345	48	21	funds	fund	NOUN
emaj-345	48	22	received	receive	VERB
emaj-345	48	23	.	.	PUNCT
emaj-345	49	1	moreover	moreover	ADV
emaj-345	49	2	,	,	PUNCT
emaj-345	49	3	no	no	DET
emaj-345	49	4	interest	interest	NOUN
emaj-345	49	5	can	can	AUX
emaj-345	49	6	be	be	AUX
emaj-345	49	7	applied	apply	VERB
emaj-345	49	8	to	to	ADP
emaj-345	49	9	the	the	DET
emaj-345	49	10	accepted	accept	VERB
emaj-345	49	11	funds	fund	NOUN
emaj-345	49	12	.	.	PUNCT
emaj-345	50	1	retailers	retailer	NOUN
emaj-345	50	2	load	load	VERB
emaj-345	50	3	e	e	NOUN
emaj-345	50	4	-	-	NOUN
emaj-345	50	5	money	money	NOUN
emaj-345	50	6	that	that	PRON
emaj-345	50	7	can	can	AUX
emaj-345	50	8	be	be	AUX
emaj-345	50	9	used	use	VERB
emaj-345	50	10	via	via	ADP
emaj-345	50	11	individuals	individual	NOUN
emaj-345	50	12	'	'	PART
emaj-345	50	13	mobile	mobile	ADJ
emaj-345	50	14	applications	application	NOUN
emaj-345	50	15	in	in	ADP
emaj-345	50	16	exchange	exchange	NOUN
emaj-345	50	17	for	for	ADP
emaj-345	50	18	the	the	DET
emaj-345	50	19	funds	fund	NOUN
emaj-345	50	20	they	they	PRON
emaj-345	50	21	accept	accept	VERB
emaj-345	50	22	.	.	PUNCT
emaj-345	51	1	when	when	SCONJ
emaj-345	51	2	considered	consider	VERB
emaj-345	51	3	in	in	ADP
emaj-345	51	4	this	this	DET
emaj-345	51	5	context	context	NOUN
emaj-345	51	6	,	,	PUNCT
emaj-345	51	7	retailers	retailer	NOUN
emaj-345	51	8	have	have	VERB
emaj-345	51	9	the	the	DET
emaj-345	51	10	right	right	NOUN
emaj-345	51	11	to	to	PART
emaj-345	51	12	use	use	VERB
emaj-345	51	13	the	the	DET
emaj-345	51	14	funds	fund	NOUN
emaj-345	51	15	they	they	PRON
emaj-345	51	16	accept	accept	VERB
emaj-345	51	17	before	before	ADP
emaj-345	51	18	the	the	DET
emaj-345	51	19	consumer	consumer	NOUN
emaj-345	51	20	's	's	PART
emaj-345	51	21	shopping	shopping	NOUN
emaj-345	51	22	.	.	PUNCT
emaj-345	52	1	ultimately	ultimately	ADV
emaj-345	52	2	,	,	PUNCT
emaj-345	52	3	retailers	retailer	NOUN
emaj-345	52	4	can	can	AUX
emaj-345	52	5	use	use	VERB
emaj-345	52	6	these	these	DET
emaj-345	52	7	funds	fund	NOUN
emaj-345	52	8	in	in	ADP
emaj-345	52	9	the	the	DET
emaj-345	52	10	payment	payment	NOUN
emaj-345	52	11	processes	process	NOUN
emaj-345	52	12	of	of	ADP
emaj-345	52	13	the	the	DET
emaj-345	52	14	supply	supply	NOUN
emaj-345	52	15	chain	chain	NOUN
emaj-345	52	16	.	.	PUNCT
emaj-345	53	1	supply	supply	NOUN
emaj-345	53	2	chain	chain	NOUN
emaj-345	53	3	financing	financing	NOUN
emaj-345	53	4	(	(	PUNCT
emaj-345	53	5	scf	scf	PROPN
emaj-345	53	6	)	)	PUNCT
emaj-345	53	7	is	be	AUX
emaj-345	53	8	the	the	DET
emaj-345	53	9	use	use	NOUN
emaj-345	53	10	of	of	ADP
emaj-345	53	11	funds	fund	NOUN
emaj-345	53	12	obtained	obtain	VERB
emaj-345	53	13	after	after	ADP
emaj-345	53	14	sales	sale	NOUN
emaj-345	53	15	in	in	ADP
emaj-345	53	16	payments	payment	NOUN
emaj-345	53	17	within	within	ADP
emaj-345	53	18	the	the	DET
emaj-345	53	19	supply	supply	NOUN
emaj-345	53	20	chain	chain	NOUN
emaj-345	53	21	.	.	PUNCT
emaj-345	54	1	e	e	X
emaj-345	54	2	-	-	NOUN
emaj-345	54	3	money	money	NOUN
emaj-345	54	4	can	can	AUX
emaj-345	54	5	be	be	AUX
emaj-345	54	6	seen	see	VERB
emaj-345	54	7	as	as	ADP
emaj-345	54	8	an	an	DET
emaj-345	54	9	additional	additional	ADJ
emaj-345	54	10	financing	financing	NOUN
emaj-345	54	11	method	method	NOUN
emaj-345	54	12	for	for	ADP
emaj-345	54	13	retailers	retailer	NOUN
emaj-345	54	14	,	,	PUNCT
emaj-345	54	15	especially	especially	ADV
emaj-345	54	16	during	during	ADP
emaj-345	54	17	periods	period	NOUN
emaj-345	54	18	of	of	ADP
emaj-345	54	19	high	high	ADJ
emaj-345	54	20	-	-	PUNCT
emaj-345	54	21	interest	interest	NOUN
emaj-345	54	22	rates	rate	NOUN
emaj-345	54	23	.	.	PUNCT
emaj-345	55	1	the	the	DET
emaj-345	55	2	research	research	NOUN
emaj-345	55	3	examines	examine	VERB
emaj-345	55	4	the	the	DET
emaj-345	55	5	factors	factor	NOUN
emaj-345	55	6	affecting	affect	VERB
emaj-345	55	7	the	the	DET
emaj-345	55	8	acceptance	acceptance	NOUN
emaj-345	55	9	of	of	ADP
emaj-345	55	10	current	current	ADJ
emaj-345	55	11	applications	application	NOUN
emaj-345	55	12	used	use	VERB
emaj-345	55	13	by	by	ADP
emaj-345	55	14	a-101	a-101	PROPN
emaj-345	55	15	and	and	CCONJ
emaj-345	55	16	şok	şok	VERB
emaj-345	55	17	market	market	NOUN
emaj-345	55	18	.	.	PUNCT
emaj-345	56	1	ii	ii	PROPN
emaj-345	56	2	.	.	PUNCT
emaj-345	56	3	supply	supply	PROPN
emaj-345	56	4	chain	chain	NOUN
emaj-345	56	5	finance	finance	NOUN
emaj-345	56	6	supply	supply	NOUN
emaj-345	56	7	chain	chain	NOUN
emaj-345	56	8	management	management	NOUN
emaj-345	56	9	(	(	PUNCT
emaj-345	56	10	scm	scm	PROPN
emaj-345	56	11	)	)	PUNCT
emaj-345	56	12	involves	involve	VERB
emaj-345	56	13	the	the	DET
emaj-345	56	14	flow	flow	NOUN
emaj-345	56	15	of	of	ADP
emaj-345	56	16	goods	good	NOUN
emaj-345	56	17	and	and	CCONJ
emaj-345	56	18	materials	material	NOUN
emaj-345	56	19	from	from	ADP
emaj-345	56	20	procurement	procurement	NOUN
emaj-345	56	21	to	to	ADP
emaj-345	56	22	the	the	DET
emaj-345	56	23	final	final	ADJ
emaj-345	56	24	point	point	NOUN
emaj-345	56	25	of	of	ADP
emaj-345	56	26	consumption	consumption	NOUN
emaj-345	56	27	,	,	PUNCT
emaj-345	56	28	while	while	SCONJ
emaj-345	56	29	supply	supply	NOUN
emaj-345	56	30	chain	chain	NOUN
emaj-345	56	31	finance	finance	NOUN
emaj-345	56	32	(	(	PUNCT
emaj-345	56	33	scf	scf	PROPN
emaj-345	56	34	)	)	PUNCT
emaj-345	56	35	ensures	ensure	VERB
emaj-345	56	36	the	the	DET
emaj-345	56	37	flow	flow	NOUN
emaj-345	56	38	of	of	ADP
emaj-345	56	39	cash	cash	NOUN
emaj-345	56	40	generated	generate	VERB
emaj-345	56	41	from	from	ADP
emaj-345	56	42	sales	sale	NOUN
emaj-345	56	43	within	within	ADP
emaj-345	56	44	the	the	DET
emaj-345	56	45	supply	supply	NOUN
emaj-345	56	46	chain	chain	NOUN
emaj-345	56	47	starting	start	VERB
emaj-345	56	48	from	from	ADP
emaj-345	56	49	the	the	DET
emaj-345	56	50	point	point	NOUN
emaj-345	56	51	of	of	ADP
emaj-345	56	52	final	final	ADJ
emaj-345	56	53	consumption	consumption	NOUN
emaj-345	56	54	.	.	PUNCT
emaj-345	57	1	scf	scf	PROPN
emaj-345	57	2	reduces	reduce	VERB
emaj-345	57	3	the	the	DET
emaj-345	57	4	financial	financial	ADJ
emaj-345	57	5	burden	burden	NOUN
emaj-345	57	6	on	on	ADP
emaj-345	57	7	supply	supply	NOUN
emaj-345	57	8	chain	chain	NOUN
emaj-345	57	9	stakeholders	stakeholder	NOUN
emaj-345	57	10	by	by	ADP
emaj-345	57	11	providing	provide	VERB
emaj-345	57	12	financing	financing	NOUN
emaj-345	57	13	(	(	PUNCT
emaj-345	57	14	gelsin	gelsin	PROPN
emaj-345	57	15	et	et	PROPN
emaj-345	57	16	.	.	PUNCT
emaj-345	58	1	al	al	PROPN
emaj-345	58	2	.	.	PROPN
emaj-345	58	3	,	,	PUNCT
emaj-345	58	4	2021	2021	NUM
emaj-345	58	5	)	)	PUNCT
emaj-345	58	6	.	.	PUNCT
emaj-345	59	1	additionally	additionally	ADV
emaj-345	59	2	,	,	PUNCT
emaj-345	59	3	it	it	PRON
emaj-345	59	4	aims	aim	VERB
emaj-345	59	5	to	to	PART
emaj-345	59	6	achieve	achieve	VERB
emaj-345	59	7	financial	financial	ADJ
emaj-345	59	8	optimization	optimization	NOUN
emaj-345	59	9	for	for	ADP
emaj-345	59	10	all	all	DET
emaj-345	59	11	parties	party	NOUN
emaj-345	59	12	within	within	ADP
emaj-345	59	13	the	the	DET
emaj-345	59	14	supply	supply	NOUN
emaj-345	59	15	chain	chain	NOUN
emaj-345	59	16	.	.	PUNCT
emaj-345	60	1	scf	scf	PROPN
emaj-345	60	2	methods	method	NOUN
emaj-345	60	3	include	include	VERB
emaj-345	60	4	reverse	reverse	ADJ
emaj-345	60	5	factoring	factoring	NOUN
emaj-345	60	6	,	,	PUNCT
emaj-345	60	7	dynamic	dynamic	ADJ
emaj-345	60	8	discounting	discounting	NOUN
emaj-345	60	9	,	,	PUNCT
emaj-345	60	10	and	and	CCONJ
emaj-345	60	11	confirmation	confirmation	NOUN
emaj-345	60	12	(	(	PUNCT
emaj-345	60	13	zaman	zaman	PROPN
emaj-345	60	14	et	et	PROPN
emaj-345	60	15	.	.	PUNCT
emaj-345	61	1	al	al	PROPN
emaj-345	61	2	.	.	PROPN
emaj-345	61	3	,	,	PUNCT
emaj-345	61	4	2023	2023	NUM
emaj-345	61	5	)	)	PUNCT
emaj-345	61	6	.	.	PUNCT
emaj-345	62	1	in	in	ADP
emaj-345	62	2	the	the	DET
emaj-345	62	3	reverse	reverse	ADJ
emaj-345	62	4	factoring	factoring	NOUN
emaj-345	62	5	model	model	NOUN
emaj-345	62	6	,	,	PUNCT
emaj-345	62	7	buyers	buyer	NOUN
emaj-345	62	8	(	(	PUNCT
emaj-345	62	9	purchasers	purchaser	NOUN
emaj-345	62	10	)	)	PUNCT
emaj-345	62	11	enter	enter	VERB
emaj-345	62	12	into	into	ADP
emaj-345	62	13	an	an	DET
emaj-345	62	14	agreement	agreement	NOUN
emaj-345	62	15	with	with	ADP
emaj-345	62	16	a	a	DET
emaj-345	62	17	financial	financial	ADJ
emaj-345	62	18	institution	institution	NOUN
emaj-345	62	19	to	to	PART
emaj-345	62	20	finance	finance	VERB
emaj-345	62	21	their	their	PRON
emaj-345	62	22	suppliers	supplier	NOUN
emaj-345	62	23	'	'	PART
emaj-345	62	24	(	(	PUNCT
emaj-345	62	25	sellers	seller	NOUN
emaj-345	62	26	'	'	PART
emaj-345	62	27	)	)	PUNCT
emaj-345	62	28	invoices	invoice	NOUN
emaj-345	62	29	(	(	PUNCT
emaj-345	62	30	medina	medina	PROPN
emaj-345	62	31	et	et	PROPN
emaj-345	62	32	.	.	PUNCT
emaj-345	63	1	al	al	PROPN
emaj-345	63	2	.	.	PROPN
emaj-345	63	3	,	,	PUNCT
emaj-345	63	4	2023	2023	NUM
emaj-345	63	5	)	)	PUNCT
emaj-345	63	6	.	.	PUNCT
emaj-345	64	1	in	in	ADP
emaj-345	64	2	the	the	DET
emaj-345	64	3	dynamic	dynamic	ADJ
emaj-345	64	4	discounting	discount	VERB
emaj-345	64	5	model	model	NOUN
emaj-345	64	6	,	,	PUNCT
emaj-345	64	7	buyers	buyer	NOUN
emaj-345	64	8	pay	pay	VERB
emaj-345	64	9	suppliers	supplier	NOUN
emaj-345	64	10	'	'	PART
emaj-345	64	11	invoices	invoice	NOUN
emaj-345	64	12	early	early	ADV
emaj-345	64	13	in	in	ADP
emaj-345	64	14	exchange	exchange	NOUN
emaj-345	64	15	for	for	ADP
emaj-345	64	16	a	a	DET
emaj-345	64	17	discount	discount	NOUN
emaj-345	64	18	.	.	PUNCT
emaj-345	65	1	in	in	ADP
emaj-345	65	2	the	the	DET
emaj-345	65	3	confirmation	confirmation	NOUN
emaj-345	65	4	model	model	NOUN
emaj-345	65	5	,	,	PUNCT
emaj-345	65	6	another	another	DET
emaj-345	65	7	form	form	NOUN
emaj-345	65	8	of	of	ADP
emaj-345	65	9	supply	supply	NOUN
emaj-345	65	10	chain	chain	NOUN
emaj-345	65	11	finance	finance	NOUN
emaj-345	65	12	,	,	PUNCT
emaj-345	65	13	buyers	buyer	NOUN
emaj-345	65	14	make	make	VERB
emaj-345	65	15	agreements	agreement	NOUN
emaj-345	65	16	with	with	ADP
emaj-345	65	17	a	a	DET
emaj-345	65	18	financial	financial	ADJ
emaj-345	65	19	institution	institution	NOUN
emaj-345	65	20	to	to	PART
emaj-345	65	21	finance	finance	VERB
emaj-345	65	22	their	their	PRON
emaj-345	65	23	suppliers	supplier	NOUN
emaj-345	65	24	'	'	PART
emaj-345	65	25	invoices	invoice	NOUN
emaj-345	65	26	(	(	PUNCT
emaj-345	65	27	gelsomino	gelsomino	PROPN
emaj-345	65	28	et	et	PROPN
emaj-345	65	29	.	.	PUNCT
emaj-345	66	1	al	al	PROPN
emaj-345	66	2	.	.	PROPN
emaj-345	66	3	,	,	PUNCT
emaj-345	66	4	2016	2016	NUM
emaj-345	66	5	)	)	PUNCT
emaj-345	66	6	.	.	PUNCT
emaj-345	67	1	managing	manage	VERB
emaj-345	67	2	working	work	VERB
emaj-345	67	3	capital	capital	NOUN
emaj-345	67	4	becomes	become	VERB
emaj-345	67	5	crucial	crucial	ADJ
emaj-345	67	6	during	during	ADP
emaj-345	67	7	periods	period	NOUN
emaj-345	67	8	of	of	ADP
emaj-345	67	9	crisis	crisis	NOUN
emaj-345	67	10	and	and	CCONJ
emaj-345	67	11	high	high	ADJ
emaj-345	67	12	interest	interest	NOUN
emaj-345	67	13	rates	rate	NOUN
emaj-345	67	14	.	.	PUNCT
emaj-345	68	1	this	this	PRON
emaj-345	68	2	necessitates	necessitate	VERB
emaj-345	68	3	optimizing	optimize	VERB
emaj-345	68	4	the	the	DET
emaj-345	68	5	scf	scf	PROPN
emaj-345	68	6	process	process	NOUN
emaj-345	68	7	by	by	ADP
emaj-345	68	8	considering	consider	VERB
emaj-345	68	9	various	various	ADJ
emaj-345	68	10	risks	risk	NOUN
emaj-345	68	11	(	(	PUNCT
emaj-345	68	12	guida	guida	PROPN
emaj-345	68	13	et	et	PROPN
emaj-345	68	14	.	.	PUNCT
emaj-345	69	1	al	al	PROPN
emaj-345	69	2	.	.	PROPN
emaj-345	69	3	,	,	PUNCT
emaj-345	69	4	2021	2021	NUM
emaj-345	69	5	)	)	PUNCT
emaj-345	69	6	.	.	PUNCT
emaj-345	70	1	scf	scf	PROPN
emaj-345	70	2	was	be	AUX
emaj-345	70	3	utilized	utilize	VERB
emaj-345	70	4	as	as	ADP
emaj-345	70	5	a	a	DET
emaj-345	70	6	tool	tool	NOUN
emaj-345	70	7	to	to	PART
emaj-345	70	8	ensure	ensure	VERB
emaj-345	70	9	financial	financial	ADJ
emaj-345	70	10	flow	flow	NOUN
emaj-345	70	11	within	within	ADP
emaj-345	70	12	supply	supply	NOUN
emaj-345	70	13	chains	chain	NOUN
emaj-345	70	14	after	after	ADP
emaj-345	70	15	the	the	DET
emaj-345	70	16	2008	2008	NUM
emaj-345	70	17	financial	financial	ADJ
emaj-345	70	18	crisis	crisis	NOUN
emaj-345	70	19	.	.	PUNCT
emaj-345	71	1	in	in	ADP
emaj-345	71	2	subsequent	subsequent	ADJ
emaj-345	71	3	periods	period	NOUN
emaj-345	71	4	,	,	PUNCT
emaj-345	71	5	it	it	PRON
emaj-345	71	6	has	have	AUX
emaj-345	71	7	been	be	AUX
emaj-345	71	8	used	use	VERB
emaj-345	71	9	as	as	ADP
emaj-345	71	10	a	a	DET
emaj-345	71	11	method	method	NOUN
emaj-345	71	12	of	of	ADP
emaj-345	71	13	protection	protection	NOUN
emaj-345	71	14	against	against	ADP
emaj-345	71	15	financial	financial	ADJ
emaj-345	71	16	risks	risk	NOUN
emaj-345	71	17	(	(	PUNCT
emaj-345	71	18	jia	jia	PROPN
emaj-345	71	19	et	et	PROPN
emaj-345	71	20	.	.	PUNCT
emaj-345	72	1	al	al	PROPN
emaj-345	72	2	.	.	PROPN
emaj-345	72	3	,	,	PUNCT
emaj-345	72	4	2020	2020	NUM
emaj-345	72	5	)	)	PUNCT
emaj-345	72	6	.	.	PUNCT
emaj-345	73	1	for	for	ADP
emaj-345	73	2	instance	instance	NOUN
emaj-345	73	3	,	,	PUNCT
emaj-345	73	4	the	the	DET
emaj-345	73	5	reverse	reverse	ADJ
emaj-345	73	6	factoring	factoring	NOUN
emaj-345	73	7	method	method	NOUN
emaj-345	73	8	allows	allow	VERB
emaj-345	73	9	for	for	ADP
emaj-345	73	10	the	the	DET
emaj-345	73	11	secure	secure	ADJ
emaj-345	73	12	collection	collection	NOUN
emaj-345	73	13	of	of	ADP
emaj-345	73	14	receivables	receivables	NOUN
emaj-345	73	15	.	.	PUNCT
emaj-345	74	1	however	however	ADV
emaj-345	74	2	,	,	PUNCT
emaj-345	74	3	during	during	ADP
emaj-345	74	4	times	time	NOUN
emaj-345	74	5	of	of	ADP
emaj-345	74	6	high	high	ADJ
emaj-345	74	7	inflation	inflation	NOUN
emaj-345	74	8	and	and	CCONJ
emaj-345	74	9	interest	interest	NOUN
emaj-345	74	10	rates	rate	NOUN
emaj-345	74	11	,	,	PUNCT
emaj-345	74	12	as	as	SCONJ
emaj-345	74	13	seen	see	VERB
emaj-345	74	14	today	today	NOUN
emaj-345	74	15	,	,	PUNCT
emaj-345	74	16	both	both	PRON
emaj-345	74	17	accessing	access	VERB
emaj-345	74	18	cash	cash	NOUN
emaj-345	74	19	and	and	CCONJ
emaj-345	74	20	conducting	conduct	VERB
emaj-345	74	21	traditional	traditional	ADJ
emaj-345	74	22	scf	scf	NOUN
emaj-345	74	23	activities	activity	NOUN
emaj-345	74	24	can	can	AUX
emaj-345	74	25	be	be	AUX
emaj-345	74	26	quite	quite	ADV
emaj-345	74	27	costly	costly	ADJ
emaj-345	74	28	(	(	PUNCT
emaj-345	74	29	hofmann	hofmann	PROPN
emaj-345	74	30	,	,	PUNCT
emaj-345	74	31	2011	2011	NUM
emaj-345	74	32	)	)	PUNCT
emaj-345	74	33	.	.	PUNCT
emaj-345	75	1	companies	company	NOUN
emaj-345	75	2	may	may	AUX
emaj-345	75	3	consider	consider	VERB
emaj-345	75	4	optimizing	optimize	VERB
emaj-345	75	5	their	their	PRON
emaj-345	75	6	cash	cash	NOUN
emaj-345	75	7	flows	flow	NOUN
emaj-345	75	8	by	by	ADP
emaj-345	75	9	going	go	VERB
emaj-345	75	10	public	public	ADJ
emaj-345	75	11	to	to	PART
emaj-345	75	12	secure	secure	VERB
emaj-345	75	13	financing	financing	NOUN
emaj-345	75	14	during	during	ADP
emaj-345	75	15	such	such	ADJ
emaj-345	75	16	periods	period	NOUN
emaj-345	75	17	.	.	PUNCT
emaj-345	76	1	additionally	additionally	ADV
emaj-345	76	2	,	,	PUNCT
emaj-345	76	3	with	with	ADP
emaj-345	76	4	the	the	DET
emaj-345	76	5	increase	increase	NOUN
emaj-345	76	6	in	in	ADP
emaj-345	76	7	technological	technological	ADJ
emaj-345	76	8	innovations	innovation	NOUN
emaj-345	76	9	and	and	CCONJ
emaj-345	76	10	their	their	PRON
emaj-345	76	11	applications	application	NOUN
emaj-345	76	12	,	,	PUNCT
emaj-345	76	13	scf	scf	PROPN
emaj-345	76	14	can	can	AUX
emaj-345	76	15	be	be	AUX
emaj-345	76	16	optimized	optimize	VERB
emaj-345	76	17	in	in	ADP
emaj-345	76	18	various	various	ADJ
emaj-345	76	19	ways	way	NOUN
emaj-345	76	20	(	(	PUNCT
emaj-345	76	21	gelsomino	gelsomino	PROPN
emaj-345	76	22	et	et	PROPN
emaj-345	76	23	.	.	PUNCT
emaj-345	77	1	al	al	PROPN
emaj-345	77	2	.	.	PROPN
emaj-345	77	3	,	,	PUNCT
emaj-345	77	4	2019	2019	NUM
emaj-345	77	5	)	)	PUNCT
emaj-345	77	6	.	.	PUNCT
emaj-345	78	1	one	one	NUM
emaj-345	78	2	of	of	ADP
emaj-345	78	3	these	these	DET
emaj-345	78	4	new	new	ADJ
emaj-345	78	5	technologies	technology	NOUN
emaj-345	78	6	is	be	AUX
emaj-345	78	7	e	e	NOUN
emaj-345	78	8	-	-	NOUN
emaj-345	78	9	money	money	NOUN
emaj-345	78	10	.	.	PUNCT
emaj-345	79	1	e	e	X
emaj-345	79	2	-	-	NOUN
emaj-345	79	3	money	money	NOUN
emaj-345	79	4	represents	represent	VERB
emaj-345	79	5	a	a	DET
emaj-345	79	6	monetary	monetary	ADJ
emaj-345	79	7	value	value	NOUN
emaj-345	79	8	issued	issue	VERB
emaj-345	79	9	in	in	ADP
emaj-345	79	10	exchange	exchange	NOUN
emaj-345	79	11	for	for	ADP
emaj-345	79	12	accepted	accepted	ADJ
emaj-345	79	13	funds	fund	NOUN
emaj-345	79	14	and	and	CCONJ
emaj-345	79	15	is	be	AUX
emaj-345	79	16	stored	store	VERB
emaj-345	79	17	electronically	electronically	ADV
emaj-345	79	18	(	(	PUNCT
emaj-345	79	19	lekkakos	lekkakos	PROPN
emaj-345	79	20	&	&	CCONJ
emaj-345	79	21	serrano	serrano	PROPN
emaj-345	79	22	,	,	PUNCT
emaj-345	79	23	2016	2016	NUM
emaj-345	79	24	)	)	PUNCT
emaj-345	79	25	.	.	PUNCT
emaj-345	80	1	another	another	DET
emaj-345	80	2	type	type	NOUN
emaj-345	80	3	of	of	ADP
emaj-345	80	4	e	e	NOUN
emaj-345	80	5	-	-	NOUN
emaj-345	80	6	money	money	NOUN
emaj-345	80	7	is	be	AUX
emaj-345	80	8	prepaid	prepaid	ADJ
emaj-345	80	9	cards	card	NOUN
emaj-345	80	10	,	,	PUNCT
emaj-345	80	11	which	which	PRON
emaj-345	80	12	are	be	AUX
emaj-345	80	13	separate	separate	ADJ
emaj-345	80	14	forms	form	NOUN
emaj-345	80	15	of	of	ADP
emaj-345	80	16	e	e	NOUN
emaj-345	80	17	-	-	NOUN
emaj-345	80	18	money	money	NOUN
emaj-345	80	19	usage	usage	NOUN
emaj-345	80	20	.	.	PUNCT
emaj-345	81	1	similarly	similarly	ADV
emaj-345	81	2	,	,	PUNCT
emaj-345	81	3	they	they	PRON
emaj-345	81	4	represent	represent	VERB
emaj-345	81	5	a	a	DET
emaj-345	81	6	monetary	monetary	ADJ
emaj-345	81	7	value	value	NOUN
emaj-345	81	8	equivalent	equivalent	ADJ
emaj-345	81	9	to	to	ADP
emaj-345	81	10	the	the	DET
emaj-345	81	11	amount	amount	NOUN
emaj-345	81	12	of	of	ADP
emaj-345	81	13	funds	fund	NOUN
emaj-345	81	14	provided	provide	VERB
emaj-345	81	15	(	(	PUNCT
emaj-345	81	16	todeb	todeb	INTJ
emaj-345	81	17	,	,	PUNCT
emaj-345	81	18	2024	2024	NUM
emaj-345	81	19	;	;	PUNCT
emaj-345	81	20	salameh	salameh	PROPN
emaj-345	81	21	et	et	PROPN
emaj-345	81	22	.	.	PUNCT
emaj-345	82	1	al	al	PROPN
emaj-345	82	2	.	.	PROPN
emaj-345	82	3	,	,	PUNCT
emaj-345	82	4	2024	2024	NUM
emaj-345	82	5	)	)	PUNCT
emaj-345	82	6	.	.	PUNCT
emaj-345	83	1	additionally	additionally	ADV
emaj-345	83	2	,	,	PUNCT
emaj-345	83	3	there	there	PRON
emaj-345	83	4	are	be	VERB
emaj-345	83	5	57	57	NUM
emaj-345	83	6	institutions	institution	NOUN
emaj-345	83	7	in	in	ADP
emaj-345	83	8	turkey	turkey	NOUN
emaj-345	83	9	authorized	authorize	VERB
emaj-345	83	10	to	to	PART
emaj-345	83	11	issue	issue	VERB
emaj-345	83	12	e	e	NOUN
emaj-345	83	13	-	-	NOUN
emaj-345	83	14	money	money	NOUN
emaj-345	83	15	(	(	PUNCT
emaj-345	83	16	tcmb	tcmb	NOUN
emaj-345	83	17	,	,	PUNCT
emaj-345	83	18	2024	2024	NUM
emaj-345	83	19	)	)	PUNCT
emaj-345	83	20	.	.	PUNCT
emaj-345	84	1	e	e	X
emaj-345	84	2	-	-	NOUN
emaj-345	84	3	money	money	NOUN
emaj-345	84	4	applications	application	NOUN
emaj-345	84	5	offered	offer	VERB
emaj-345	84	6	by	by	ADP
emaj-345	84	7	turkish	turkish	ADJ
emaj-345	84	8	retailers	retailer	NOUN
emaj-345	84	9	include	include	VERB
emaj-345	84	10	migros	migros	PROPN
emaj-345	84	11	money	money	NOUN
emaj-345	84	12	pay	pay	NOUN
emaj-345	84	13	,	,	PUNCT
emaj-345	84	14	a-101	a-101	PROPN
emaj-345	84	15	hadi	hadi	PROPN
emaj-345	84	16	,	,	PUNCT
emaj-345	84	17	şok	şok	NOUN
emaj-345	84	18	market	market	NOUN
emaj-345	84	19	win	win	NOUN
emaj-345	84	20	and	and	CCONJ
emaj-345	84	21	bi̇m	bi̇m	ADJ
emaj-345	84	22	market	market	NOUN
emaj-345	84	23	bimpara	bimpara	NOUN
emaj-345	84	24	.	.	PUNCT
emaj-345	85	1	this	this	DET
emaj-345	85	2	research	research	NOUN
emaj-345	85	3	focuses	focus	VERB
emaj-345	85	4	on	on	ADP
emaj-345	85	5	how	how	SCONJ
emaj-345	85	6	retailers	retailer	NOUN
emaj-345	85	7	can	can	AUX
emaj-345	85	8	secure	secure	VERB
emaj-345	85	9	financing	financing	NOUN
emaj-345	85	10	through	through	ADP
emaj-345	85	11	the	the	DET
emaj-345	85	12	use	use	NOUN
emaj-345	85	13	of	of	ADP
emaj-345	85	14	e	e	NOUN
emaj-345	85	15	-	-	NOUN
emaj-345	85	16	money	money	NOUN
emaj-345	85	17	.	.	PUNCT
emaj-345	86	1	consumers	consumer	NOUN
emaj-345	86	2	load	load	VERB
emaj-345	86	3	e	e	NOUN
emaj-345	86	4	-	-	NOUN
emaj-345	86	5	money	money	NOUN
emaj-345	86	6	into	into	ADP
emaj-345	86	7	mobile	mobile	ADJ
emaj-345	86	8	applications	application	NOUN
emaj-345	86	9	in	in	ADP
emaj-345	86	10	exchange	exchange	NOUN
emaj-345	86	11	for	for	ADP
emaj-345	86	12	a	a	DET
emaj-345	86	13	specified	specify	VERB
emaj-345	86	14	amount	amount	NOUN
emaj-345	86	15	of	of	ADP
emaj-345	86	16	funds	fund	NOUN
emaj-345	86	17	.	.	PUNCT
emaj-345	87	1	subsequently	subsequently	ADV
emaj-345	87	2	,	,	PUNCT
emaj-345	87	3	consumers	consumer	NOUN
emaj-345	87	4	can	can	AUX
emaj-345	87	5	use	use	VERB
emaj-345	87	6	the	the	DET
emaj-345	87	7	e	e	NOUN
emaj-345	87	8	-	-	NOUN
emaj-345	87	9	money	money	NOUN
emaj-345	87	10	specific	specific	ADJ
emaj-345	87	11	to	to	ADP
emaj-345	87	12	the	the	DET
emaj-345	87	13	retailer	retailer	NOUN
emaj-345	87	14	’s	’s	PART
emaj-345	87	15	application	application	NOUN
emaj-345	87	16	to	to	PART
emaj-345	87	17	make	make	VERB
emaj-345	87	18	payments	payment	NOUN
emaj-345	87	19	for	for	ADP
emaj-345	87	20	their	their	PRON
emaj-345	87	21	purchases	purchase	NOUN
emaj-345	87	22	.	.	PUNCT
emaj-345	88	1	according	accord	VERB
emaj-345	88	2	to	to	ADP
emaj-345	88	3	emoney	emoney	NOUN
emaj-345	88	4	regulations	regulation	NOUN
emaj-345	88	5	,	,	PUNCT
emaj-345	88	6	e	e	NOUN
emaj-345	88	7	-	-	NOUN
emaj-345	88	8	money	money	NOUN
emaj-345	88	9	can	can	AUX
emaj-345	88	10	not	not	PART
emaj-345	88	11	accrue	accrue	VERB
emaj-345	88	12	interest	interest	NOUN
emaj-345	88	13	;	;	PUNCT
emaj-345	88	14	therefore	therefore	ADV
emaj-345	88	15	,	,	PUNCT
emaj-345	88	16	retailers	retailer	NOUN
emaj-345	88	17	offer	offer	VERB
emaj-345	88	18	discounts	discount	NOUN
emaj-345	88	19	on	on	ADP
emaj-345	88	20	purchases	purchase	NOUN
emaj-345	88	21	made	make	VERB
emaj-345	88	22	with	with	ADP
emaj-345	88	23	e	e	NOUN
emaj-345	88	24	-	-	NOUN
emaj-345	88	25	money	money	NOUN
emaj-345	88	26	.	.	PUNCT
emaj-345	89	1	this	this	PRON
emaj-345	89	2	serves	serve	VERB
emaj-345	89	3	both	both	PRON
emaj-345	89	4	as	as	ADP
emaj-345	89	5	a	a	DET
emaj-345	89	6	marketing	marketing	NOUN
emaj-345	89	7	strategy	strategy	NOUN
emaj-345	89	8	to	to	PART
emaj-345	89	9	encourage	encourage	VERB
emaj-345	89	10	repeat	repeat	NOUN
emaj-345	89	11	purchases	purchase	NOUN
emaj-345	89	12	and	and	CCONJ
emaj-345	89	13	as	as	ADP
emaj-345	89	14	a	a	DET
emaj-345	89	15	pre	pre	ADJ
emaj-345	89	16	-	-	ADJ
emaj-345	89	17	financing	financing	ADJ
emaj-345	89	18	method	method	NOUN
emaj-345	89	19	volume	volume	NOUN
emaj-345	89	20	14	14	NUM
emaj-345	89	21	no	no	DET
emaj-345	89	22	2	2	NUM
emaj-345	89	23	(	(	PUNCT
emaj-345	89	24	2024	2024	NUM
emaj-345	89	25	)	)	PUNCT
emaj-345	89	26	|	|	ADV
emaj-345	89	27	issn	issn	VERB
emaj-345	89	28	2158	2158	NUM
emaj-345	89	29	-	-	SYM
emaj-345	89	30	8708	8708	NUM
emaj-345	89	31	(	(	PUNCT
emaj-345	89	32	online	online	NOUN
emaj-345	89	33	)	)	PUNCT
emaj-345	89	34	|	|	ADV
emaj-345	89	35	doi	doi	X
emaj-345	89	36	10.5195	10.5195	NUM
emaj-345	89	37	/	/	SYM
emaj-345	89	38	emaj.2024.345	emaj.2024.345	PROPN
emaj-345	89	39	|	|	ADV
emaj-345	89	40	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-345	89	41	yavuz	yavuz	PROPN
emaj-345	89	42	toraman	toraman	NOUN
emaj-345	89	43	,	,	PUNCT
emaj-345	89	44	olcay	olcay	NOUN
emaj-345	89	45	ölçen	ölçen	NOUN
emaj-345	89	46	,	,	PUNCT
emaj-345	89	47	onur	onur	PROPN
emaj-345	89	48	ceylan	ceylan	NOUN
emaj-345	89	49	,	,	PUNCT
emaj-345	89	50	gizem	gizem	NOUN
emaj-345	89	51	mertoğlu	mertoğlu	NOUN
emaj-345	89	52	emerging	emerge	VERB
emaj-345	89	53	markets	market	NOUN
emaj-345	89	54	journal	journal	NOUN
emaj-345	89	55	page	page	NOUN
emaj-345	89	56	|19|	|19|	NOUN
emaj-345	89	57	for	for	ADP
emaj-345	89	58	retailers	retailer	NOUN
emaj-345	89	59	with	with	ADP
emaj-345	89	60	high	high	ADJ
emaj-345	89	61	transaction	transaction	NOUN
emaj-345	89	62	volumes	volume	NOUN
emaj-345	89	63	in	in	ADP
emaj-345	89	64	scf	scf	PROPN
emaj-345	89	65	processes	process	NOUN
emaj-345	89	66	.	.	PUNCT
emaj-345	90	1	although	although	SCONJ
emaj-345	90	2	e	e	NOUN
emaj-345	90	3	-	-	NOUN
emaj-345	90	4	money	money	NOUN
emaj-345	90	5	is	be	AUX
emaj-345	90	6	seen	see	VERB
emaj-345	90	7	as	as	ADP
emaj-345	90	8	a	a	DET
emaj-345	90	9	new	new	ADJ
emaj-345	90	10	payment	payment	NOUN
emaj-345	90	11	method	method	NOUN
emaj-345	90	12	enabled	enable	VERB
emaj-345	90	13	by	by	ADP
emaj-345	90	14	technological	technological	ADJ
emaj-345	90	15	advancements	advancement	NOUN
emaj-345	90	16	,	,	PUNCT
emaj-345	90	17	it	it	PRON
emaj-345	90	18	also	also	ADV
emaj-345	90	19	provides	provide	VERB
emaj-345	90	20	retailers	retailer	NOUN
emaj-345	90	21	with	with	ADP
emaj-345	90	22	funds	fund	NOUN
emaj-345	90	23	before	before	SCONJ
emaj-345	90	24	the	the	DET
emaj-345	90	25	actual	actual	ADJ
emaj-345	90	26	purchase	purchase	NOUN
emaj-345	90	27	takes	take	VERB
emaj-345	90	28	place	place	NOUN
emaj-345	90	29	.	.	PUNCT
emaj-345	91	1	retailers	retailer	NOUN
emaj-345	91	2	can	can	AUX
emaj-345	91	3	use	use	VERB
emaj-345	91	4	the	the	DET
emaj-345	91	5	funds	fund	NOUN
emaj-345	91	6	received	receive	VERB
emaj-345	91	7	from	from	ADP
emaj-345	91	8	customers	customer	NOUN
emaj-345	91	9	prior	prior	ADV
emaj-345	91	10	to	to	ADP
emaj-345	91	11	their	their	PRON
emaj-345	91	12	purchases	purchase	NOUN
emaj-345	91	13	.	.	PUNCT
emaj-345	92	1	these	these	DET
emaj-345	92	2	funds	fund	NOUN
emaj-345	92	3	can	can	AUX
emaj-345	92	4	be	be	AUX
emaj-345	92	5	viewed	view	VERB
emaj-345	92	6	as	as	ADP
emaj-345	92	7	prepayments	prepayment	NOUN
emaj-345	92	8	for	for	ADP
emaj-345	92	9	future	future	ADJ
emaj-345	92	10	purchases	purchase	NOUN
emaj-345	92	11	.	.	PUNCT
emaj-345	93	1	retailers	retailer	NOUN
emaj-345	93	2	can	can	AUX
emaj-345	93	3	use	use	VERB
emaj-345	93	4	the	the	DET
emaj-345	93	5	obtained	obtain	VERB
emaj-345	93	6	funds	fund	NOUN
emaj-345	93	7	to	to	PART
emaj-345	93	8	ensure	ensure	VERB
emaj-345	93	9	financial	financial	ADJ
emaj-345	93	10	flow	flow	NOUN
emaj-345	93	11	to	to	ADP
emaj-345	93	12	suppliers	supplier	NOUN
emaj-345	93	13	,	,	PUNCT
emaj-345	93	14	manufacturers	manufacturer	NOUN
emaj-345	93	15	,	,	PUNCT
emaj-345	93	16	warehouses	warehouse	NOUN
emaj-345	93	17	,	,	PUNCT
emaj-345	93	18	distributors	distributor	NOUN
emaj-345	93	19	,	,	PUNCT
emaj-345	93	20	and	and	CCONJ
emaj-345	93	21	service	service	NOUN
emaj-345	93	22	providers	provider	NOUN
emaj-345	93	23	within	within	ADP
emaj-345	93	24	the	the	DET
emaj-345	93	25	scm	scm	PROPN
emaj-345	93	26	.	.	PUNCT
emaj-345	94	1	therefore	therefore	ADV
emaj-345	94	2	,	,	PUNCT
emaj-345	94	3	the	the	DET
emaj-345	94	4	focus	focus	NOUN
emaj-345	94	5	of	of	ADP
emaj-345	94	6	this	this	DET
emaj-345	94	7	research	research	NOUN
emaj-345	94	8	is	be	AUX
emaj-345	94	9	to	to	PART
emaj-345	94	10	examine	examine	VERB
emaj-345	94	11	the	the	DET
emaj-345	94	12	factors	factor	NOUN
emaj-345	94	13	influencing	influence	VERB
emaj-345	94	14	the	the	DET
emaj-345	94	15	acceptance	acceptance	NOUN
emaj-345	94	16	and	and	CCONJ
emaj-345	94	17	usage	usage	NOUN
emaj-345	94	18	of	of	ADP
emaj-345	94	19	e	e	NOUN
emaj-345	94	20	-	-	NOUN
emaj-345	94	21	money	money	NOUN
emaj-345	94	22	.	.	PUNCT
emaj-345	95	1	iii	iii	X
emaj-345	95	2	.	.	PROPN
emaj-345	95	3	theory	theory	NOUN
emaj-345	95	4	and	and	CCONJ
emaj-345	95	5	hypothesis	hypothesis	NOUN
emaj-345	95	6	the	the	DET
emaj-345	95	7	use	use	NOUN
emaj-345	95	8	and	and	CCONJ
emaj-345	95	9	acceptance	acceptance	NOUN
emaj-345	95	10	of	of	ADP
emaj-345	95	11	new	new	ADJ
emaj-345	95	12	technologies	technology	NOUN
emaj-345	95	13	have	have	AUX
emaj-345	95	14	always	always	ADV
emaj-345	95	15	been	be	AUX
emaj-345	95	16	an	an	DET
emaj-345	95	17	important	important	ADJ
emaj-345	95	18	issue	issue	NOUN
emaj-345	95	19	for	for	ADP
emaj-345	95	20	academia	academia	NOUN
emaj-345	95	21	,	,	PUNCT
emaj-345	95	22	domain	domain	NOUN
emaj-345	95	23	experts	expert	NOUN
emaj-345	95	24	,	,	PUNCT
emaj-345	95	25	marketing	marketing	NOUN
emaj-345	95	26	professionals	professional	NOUN
emaj-345	95	27	and	and	CCONJ
emaj-345	95	28	industry	industry	NOUN
emaj-345	95	29	stakeholders	stakeholder	NOUN
emaj-345	95	30	.	.	PUNCT
emaj-345	96	1	they	they	PRON
emaj-345	96	2	have	have	VERB
emaj-345	96	3	a	a	DET
emaj-345	96	4	significant	significant	ADJ
emaj-345	96	5	impact	impact	NOUN
emaj-345	96	6	on	on	ADP
emaj-345	96	7	shaping	shape	VERB
emaj-345	96	8	companies	company	NOUN
emaj-345	96	9	'	'	PART
emaj-345	96	10	strategies	strategy	NOUN
emaj-345	96	11	.	.	PUNCT
emaj-345	97	1	e	e	X
emaj-345	97	2	-	-	NOUN
emaj-345	97	3	money	money	NOUN
emaj-345	97	4	is	be	AUX
emaj-345	97	5	one	one	NUM
emaj-345	97	6	of	of	ADP
emaj-345	97	7	the	the	DET
emaj-345	97	8	innovations	innovation	NOUN
emaj-345	97	9	used	use	VERB
emaj-345	97	10	in	in	ADP
emaj-345	97	11	the	the	DET
emaj-345	97	12	payment	payment	NOUN
emaj-345	97	13	field	field	NOUN
emaj-345	97	14	.	.	PUNCT
emaj-345	98	1	in	in	ADP
emaj-345	98	2	this	this	DET
emaj-345	98	3	study	study	NOUN
emaj-345	98	4	,	,	PUNCT
emaj-345	98	5	identifying	identify	VERB
emaj-345	98	6	the	the	DET
emaj-345	98	7	factors	factor	NOUN
emaj-345	98	8	influencing	influence	VERB
emaj-345	98	9	consumer	consumer	NOUN
emaj-345	98	10	usage	usage	NOUN
emaj-345	98	11	is	be	AUX
emaj-345	98	12	important	important	ADJ
emaj-345	98	13	for	for	ADP
emaj-345	98	14	minimizing	minimize	VERB
emaj-345	98	15	the	the	DET
emaj-345	98	16	risks	risk	NOUN
emaj-345	98	17	in	in	ADP
emaj-345	98	18	companies	company	NOUN
emaj-345	98	19	'	'	PART
emaj-345	98	20	scf	scf	PROPN
emaj-345	98	21	processes	process	NOUN
emaj-345	98	22	.	.	PUNCT
emaj-345	99	1	in	in	ADP
emaj-345	99	2	this	this	DET
emaj-345	99	3	context	context	NOUN
emaj-345	99	4	,	,	PUNCT
emaj-345	99	5	the	the	DET
emaj-345	99	6	acceptance	acceptance	NOUN
emaj-345	99	7	of	of	ADP
emaj-345	99	8	e	e	NOUN
emaj-345	99	9	-	-	NOUN
emaj-345	99	10	money	money	NOUN
emaj-345	99	11	,	,	PUNCT
emaj-345	99	12	which	which	PRON
emaj-345	99	13	is	be	AUX
emaj-345	99	14	considered	consider	VERB
emaj-345	99	15	important	important	ADJ
emaj-345	99	16	in	in	ADP
emaj-345	99	17	scf	scf	PROPN
emaj-345	99	18	processes	process	NOUN
emaj-345	99	19	,	,	PUNCT
emaj-345	99	20	has	have	AUX
emaj-345	99	21	been	be	AUX
emaj-345	99	22	examined	examine	VERB
emaj-345	99	23	within	within	ADP
emaj-345	99	24	the	the	DET
emaj-345	99	25	scope	scope	NOUN
emaj-345	99	26	of	of	ADP
emaj-345	99	27	the	the	DET
emaj-345	99	28	technology	technology	NOUN
emaj-345	99	29	acceptance	acceptance	NOUN
emaj-345	99	30	model	model	NOUN
emaj-345	99	31	(	(	PUNCT
emaj-345	99	32	tam	tam	PROPN
emaj-345	99	33	)	)	PUNCT
emaj-345	99	34	by	by	ADP
emaj-345	99	35	users	user	NOUN
emaj-345	99	36	.	.	PUNCT
emaj-345	100	1	tam	tam	PROPN
emaj-345	100	2	,	,	PUNCT
emaj-345	100	3	commonly	commonly	ADV
emaj-345	100	4	used	use	VERB
emaj-345	100	5	in	in	ADP
emaj-345	100	6	the	the	DET
emaj-345	100	7	acceptance	acceptance	NOUN
emaj-345	100	8	of	of	ADP
emaj-345	100	9	new	new	ADJ
emaj-345	100	10	technologies	technology	NOUN
emaj-345	100	11	,	,	PUNCT
emaj-345	100	12	has	have	AUX
emaj-345	100	13	also	also	ADV
emaj-345	100	14	been	be	AUX
emaj-345	100	15	used	use	VERB
emaj-345	100	16	as	as	ADP
emaj-345	100	17	the	the	DET
emaj-345	100	18	theoretical	theoretical	ADJ
emaj-345	100	19	framework	framework	NOUN
emaj-345	100	20	in	in	ADP
emaj-345	100	21	this	this	DET
emaj-345	100	22	study	study	NOUN
emaj-345	100	23	.	.	PUNCT
emaj-345	101	1	tam	tam	PROPN
emaj-345	101	2	emphasizes	emphasize	VERB
emaj-345	101	3	that	that	SCONJ
emaj-345	101	4	the	the	DET
emaj-345	101	5	factors	factor	NOUN
emaj-345	101	6	affecting	affect	VERB
emaj-345	101	7	the	the	DET
emaj-345	101	8	use	use	NOUN
emaj-345	101	9	of	of	ADP
emaj-345	101	10	a	a	DET
emaj-345	101	11	technological	technological	ADJ
emaj-345	101	12	innovation	innovation	NOUN
emaj-345	101	13	are	be	AUX
emaj-345	101	14	perceived	perceive	VERB
emaj-345	101	15	usefulness	usefulness	NOUN
emaj-345	101	16	(	(	PUNCT
emaj-345	101	17	pu	pu	PROPN
emaj-345	101	18	)	)	PUNCT
emaj-345	101	19	,	,	PUNCT
emaj-345	101	20	perceived	perceive	VERB
emaj-345	101	21	ease	ease	NOUN
emaj-345	101	22	of	of	ADP
emaj-345	101	23	use	use	NOUN
emaj-345	101	24	(	(	PUNCT
emaj-345	101	25	peou	peou	ADV
emaj-345	101	26	)	)	PUNCT
emaj-345	101	27	,	,	PUNCT
emaj-345	101	28	attitude	attitude	NOUN
emaj-345	101	29	towards	towards	ADP
emaj-345	101	30	use	use	NOUN
emaj-345	101	31	(	(	PUNCT
emaj-345	101	32	at	at	ADP
emaj-345	101	33	)	)	PUNCT
emaj-345	101	34	,	,	PUNCT
emaj-345	101	35	and	and	CCONJ
emaj-345	101	36	intention	intention	NOUN
emaj-345	101	37	(	(	PUNCT
emaj-345	101	38	i	i	NOUN
emaj-345	101	39	)	)	PUNCT
emaj-345	101	40	.	.	PUNCT
emaj-345	102	1	in	in	ADP
emaj-345	102	2	this	this	DET
emaj-345	102	3	study	study	NOUN
emaj-345	102	4	,	,	PUNCT
emaj-345	102	5	the	the	DET
emaj-345	102	6	risk	risk	NOUN
emaj-345	102	7	variable	variable	NOUN
emaj-345	102	8	has	have	AUX
emaj-345	102	9	been	be	AUX
emaj-345	102	10	added	add	VERB
emaj-345	102	11	to	to	ADP
emaj-345	102	12	the	the	DET
emaj-345	102	13	research	research	NOUN
emaj-345	102	14	model	model	NOUN
emaj-345	102	15	in	in	ADP
emaj-345	102	16	addition	addition	NOUN
emaj-345	102	17	to	to	ADP
emaj-345	102	18	tam	tam	PROPN
emaj-345	102	19	.	.	PUNCT
emaj-345	103	1	the	the	DET
emaj-345	103	2	research	research	NOUN
emaj-345	103	3	model	model	NOUN
emaj-345	103	4	is	be	AUX
emaj-345	103	5	shown	show	VERB
emaj-345	103	6	in	in	ADP
emaj-345	103	7	figure	figure	NOUN
emaj-345	103	8	1	1	NUM
emaj-345	103	9	.	.	PUNCT
emaj-345	103	10	figure	figure	NOUN
emaj-345	103	11	1	1	NUM
emaj-345	103	12	.	.	PUNCT
emaj-345	103	13	research	research	NOUN
emaj-345	103	14	model	model	NOUN
emaj-345	103	15	source	source	NOUN
emaj-345	103	16	:	:	PUNCT
emaj-345	103	17	authors	author	NOUN
emaj-345	103	18	’	’	PART
emaj-345	103	19	compilation	compilation	NOUN
emaj-345	103	20	in	in	ADP
emaj-345	103	21	addition	addition	NOUN
emaj-345	103	22	to	to	ADP
emaj-345	103	23	tam	tam	PROPN
emaj-345	103	24	,	,	PUNCT
emaj-345	103	25	independent	independent	ADJ
emaj-345	103	26	variables	variable	NOUN
emaj-345	103	27	can	can	AUX
emaj-345	103	28	be	be	AUX
emaj-345	103	29	added	add	VERB
emaj-345	103	30	to	to	ADP
emaj-345	103	31	the	the	DET
emaj-345	103	32	research	research	NOUN
emaj-345	103	33	model	model	NOUN
emaj-345	103	34	based	base	VERB
emaj-345	103	35	on	on	ADP
emaj-345	103	36	the	the	DET
emaj-345	103	37	subject	subject	NOUN
emaj-345	103	38	and	and	CCONJ
emaj-345	103	39	content	content	NOUN
emaj-345	103	40	of	of	ADP
emaj-345	103	41	the	the	DET
emaj-345	103	42	research	research	NOUN
emaj-345	103	43	.	.	PUNCT
emaj-345	104	1	therefore	therefore	ADV
emaj-345	104	2	,	,	PUNCT
emaj-345	104	3	in	in	ADP
emaj-345	104	4	the	the	DET
emaj-345	104	5	current	current	ADJ
emaj-345	104	6	study	study	NOUN
emaj-345	104	7	,	,	PUNCT
emaj-345	104	8	the	the	DET
emaj-345	104	9	risk	risk	NOUN
emaj-345	104	10	(	(	PUNCT
emaj-345	104	11	r	r	NOUN
emaj-345	104	12	)	)	PUNCT
emaj-345	104	13	variable	variable	NOUN
emaj-345	104	14	has	have	AUX
emaj-345	104	15	been	be	AUX
emaj-345	104	16	added	add	VERB
emaj-345	104	17	because	because	SCONJ
emaj-345	104	18	the	the	DET
emaj-345	104	19	focus	focus	NOUN
emaj-345	104	20	is	be	AUX
emaj-345	104	21	on	on	ADP
emaj-345	104	22	e	e	NOUN
emaj-345	104	23	-	-	NOUN
emaj-345	104	24	money	money	NOUN
emaj-345	104	25	,	,	PUNCT
emaj-345	104	26	a	a	DET
emaj-345	104	27	payment	payment	NOUN
emaj-345	104	28	method	method	NOUN
emaj-345	104	29	used	use	VERB
emaj-345	104	30	in	in	ADP
emaj-345	104	31	retail	retail	ADJ
emaj-345	104	32	sales	sale	NOUN
emaj-345	104	33	.	.	PUNCT
emaj-345	105	1	risk	risk	NOUN
emaj-345	105	2	is	be	AUX
emaj-345	105	3	defined	define	VERB
emaj-345	105	4	as	as	ADP
emaj-345	105	5	the	the	DET
emaj-345	105	6	perception	perception	NOUN
emaj-345	105	7	of	of	ADP
emaj-345	105	8	whether	whether	SCONJ
emaj-345	105	9	one	one	PRON
emaj-345	105	10	will	will	AUX
emaj-345	105	11	encounter	encounter	VERB
emaj-345	105	12	a	a	DET
emaj-345	105	13	risk	risk	NOUN
emaj-345	105	14	when	when	SCONJ
emaj-345	105	15	performing	perform	VERB
emaj-345	105	16	the	the	DET
emaj-345	105	17	relevant	relevant	ADJ
emaj-345	105	18	behavior	behavior	NOUN
emaj-345	105	19	(	(	PUNCT
emaj-345	105	20	pavlou	pavlou	NOUN
emaj-345	105	21	,	,	PUNCT
emaj-345	105	22	2003	2003	NUM
emaj-345	105	23	;	;	PUNCT
emaj-345	105	24	kamal	kamal	PROPN
emaj-345	105	25	et	et	PROPN
emaj-345	105	26	.	.	PUNCT
emaj-345	106	1	al	al	PROPN
emaj-345	106	2	.	.	PROPN
emaj-345	106	3	,	,	PUNCT
emaj-345	106	4	2020	2020	NUM
emaj-345	106	5	)	)	PUNCT
emaj-345	106	6	.	.	PUNCT
emaj-345	107	1	hypotheses	hypothesis	NOUN
emaj-345	107	2	h1	h1	ADJ
emaj-345	107	3	and	and	CCONJ
emaj-345	107	4	h2	h2	PROPN
emaj-345	107	5	have	have	AUX
emaj-345	107	6	been	be	AUX
emaj-345	107	7	formulated	formulate	VERB
emaj-345	107	8	specifically	specifically	ADV
emaj-345	107	9	for	for	ADP
emaj-345	107	10	the	the	DET
emaj-345	107	11	risk	risk	NOUN
emaj-345	107	12	variable	variable	NOUN
emaj-345	107	13	.	.	PUNCT
emaj-345	108	1	h1	h1	PROPN
emaj-345	108	2	:	:	PUNCT
emaj-345	108	3	r	r	NOUN
emaj-345	108	4	have	have	VERB
emaj-345	108	5	a	a	DET
emaj-345	108	6	positive	positive	ADJ
emaj-345	108	7	and	and	CCONJ
emaj-345	108	8	significant	significant	ADJ
emaj-345	108	9	impact	impact	NOUN
emaj-345	108	10	on	on	ADP
emaj-345	108	11	pu	pu	PROPN
emaj-345	108	12	h2	h2	PROPN
emaj-345	108	13	:	:	PUNCT
emaj-345	109	1	r	r	NOUN
emaj-345	109	2	have	have	VERB
emaj-345	109	3	a	a	DET
emaj-345	109	4	positive	positive	ADJ
emaj-345	109	5	and	and	CCONJ
emaj-345	109	6	significant	significant	ADJ
emaj-345	109	7	impact	impact	NOUN
emaj-345	109	8	on	on	ADP
emaj-345	109	9	peou	peou	ADV
emaj-345	109	10	according	accord	VERB
emaj-345	109	11	to	to	ADP
emaj-345	109	12	the	the	DET
emaj-345	109	13	original	original	ADJ
emaj-345	109	14	tam	tam	NOUN
emaj-345	109	15	,	,	PUNCT
emaj-345	109	16	pu	pu	PROPN
emaj-345	109	17	is	be	AUX
emaj-345	109	18	the	the	DET
emaj-345	109	19	degree	degree	NOUN
emaj-345	109	20	to	to	PART
emaj-345	109	21	which	which	PRON
emaj-345	109	22	a	a	DET
emaj-345	109	23	user	user	NOUN
emaj-345	109	24	believes	believe	VERB
emaj-345	109	25	that	that	SCONJ
emaj-345	109	26	using	use	VERB
emaj-345	109	27	the	the	DET
emaj-345	109	28	relevant	relevant	ADJ
emaj-345	109	29	technology	technology	NOUN
emaj-345	109	30	will	will	AUX
emaj-345	109	31	increase	increase	VERB
emaj-345	109	32	their	their	PRON
emaj-345	109	33	personal	personal	ADJ
emaj-345	109	34	performance	performance	NOUN
emaj-345	109	35	.	.	PUNCT
emaj-345	110	1	peou	peou	ADV
emaj-345	110	2	,	,	PUNCT
emaj-345	110	3	on	on	ADP
emaj-345	110	4	the	the	DET
emaj-345	110	5	other	other	ADJ
emaj-345	110	6	hand	hand	NOUN
emaj-345	110	7	,	,	PUNCT
emaj-345	110	8	refers	refer	VERB
emaj-345	110	9	to	to	ADP
emaj-345	110	10	the	the	DET
emaj-345	110	11	user	user	NOUN
emaj-345	110	12	's	's	PART
emaj-345	110	13	ability	ability	NOUN
emaj-345	110	14	to	to	PART
emaj-345	110	15	complete	complete	VERB
emaj-345	110	16	tasks	task	NOUN
emaj-345	110	17	with	with	ADP
emaj-345	110	18	less	less	ADJ
emaj-345	110	19	effort	effort	NOUN
emaj-345	110	20	when	when	SCONJ
emaj-345	110	21	using	use	VERB
emaj-345	110	22	the	the	DET
emaj-345	110	23	relevant	relevant	ADJ
emaj-345	110	24	technology	technology	NOUN
emaj-345	110	25	.	.	PUNCT
emaj-345	111	1	additionally	additionally	ADV
emaj-345	111	2	,	,	PUNCT
emaj-345	111	3	at	at	SCONJ
emaj-345	111	4	is	be	AUX
emaj-345	111	5	defined	define	VERB
emaj-345	111	6	as	as	ADP
emaj-345	111	7	positive	positive	ADJ
emaj-345	111	8	or	or	CCONJ
emaj-345	111	9	negative	negative	ADJ
emaj-345	111	10	thoughts	thought	NOUN
emaj-345	111	11	towards	towards	ADP
emaj-345	111	12	performing	perform	VERB
emaj-345	111	13	the	the	DET
emaj-345	111	14	relevant	relevant	ADJ
emaj-345	111	15	behavior	behavior	NOUN
emaj-345	111	16	(	(	PUNCT
emaj-345	111	17	vorm	vorm	PROPN
emaj-345	111	18	&	&	CCONJ
emaj-345	111	19	combs	comb	NOUN
emaj-345	111	20	,	,	PUNCT
emaj-345	111	21	2022	2022	NUM
emaj-345	111	22	)	)	PUNCT
emaj-345	111	23	.	.	PUNCT
emaj-345	112	1	research	research	NOUN
emaj-345	112	2	conducted	conduct	VERB
emaj-345	112	3	within	within	ADP
emaj-345	112	4	the	the	DET
emaj-345	112	5	framework	framework	NOUN
emaj-345	112	6	of	of	ADP
emaj-345	112	7	tam	tam	PROPN
emaj-345	112	8	has	have	AUX
emaj-345	112	9	found	find	VERB
emaj-345	112	10	a	a	DET
emaj-345	112	11	positive	positive	ADJ
emaj-345	112	12	and	and	CCONJ
emaj-345	112	13	significant	significant	ADJ
emaj-345	112	14	relationship	relationship	NOUN
emaj-345	112	15	between	between	ADP
emaj-345	112	16	peou	peou	PROPN
emaj-345	112	17	and	and	CCONJ
emaj-345	112	18	pu	pu	PROPN
emaj-345	112	19	.	.	PROPN
emaj-345	112	20	hypotheses	hypothese	VERB
emaj-345	112	21	h3	h3	NOUN
emaj-345	112	22	and	and	CCONJ
emaj-345	112	23	h4	h4	NOUN
emaj-345	112	24	have	have	AUX
emaj-345	112	25	been	be	AUX
emaj-345	112	26	formulated	formulate	VERB
emaj-345	112	27	specifically	specifically	ADV
emaj-345	112	28	for	for	ADP
emaj-345	112	29	pu	pu	PROPN
emaj-345	112	30	,	,	PUNCT
emaj-345	112	31	peou	peou	ADV
emaj-345	112	32	,	,	PUNCT
emaj-345	112	33	and	and	CCONJ
emaj-345	112	34	at	at	ADP
emaj-345	112	35	(	(	PUNCT
emaj-345	112	36	singh	singh	PROPN
emaj-345	112	37	et	et	PROPN
emaj-345	112	38	.	.	PUNCT
emaj-345	113	1	al	al	PROPN
emaj-345	113	2	.	.	PROPN
emaj-345	113	3	,	,	PUNCT
emaj-345	113	4	2020	2020	NUM
emaj-345	113	5	)	)	PUNCT
emaj-345	113	6	.	.	PUNCT
emaj-345	114	1	h3	h3	NOUN
emaj-345	114	2	:	:	PUNCT
emaj-345	114	3	peou	peou	PROPN
emaj-345	114	4	have	have	VERB
emaj-345	114	5	a	a	DET
emaj-345	114	6	positive	positive	ADJ
emaj-345	114	7	and	and	CCONJ
emaj-345	114	8	significant	significant	ADJ
emaj-345	114	9	impact	impact	NOUN
emaj-345	114	10	on	on	ADP
emaj-345	114	11	pu	pu	PROPN
emaj-345	114	12	h4	h4	PROPN
emaj-345	114	13	:	:	PUNCT
emaj-345	114	14	pu	pu	PROPN
emaj-345	114	15	have	have	VERB
emaj-345	114	16	a	a	DET
emaj-345	114	17	positive	positive	ADJ
emaj-345	114	18	and	and	CCONJ
emaj-345	114	19	significant	significant	ADJ
emaj-345	114	20	impact	impact	NOUN
emaj-345	114	21	on	on	ADP
emaj-345	114	22	at	at	ADP
emaj-345	114	23	since	since	SCONJ
emaj-345	114	24	e	e	NOUN
emaj-345	114	25	-	-	NOUN
emaj-345	114	26	money	money	NOUN
emaj-345	114	27	as	as	SCONJ
emaj-345	114	28	a	a	DET
emaj-345	114	29	payment	payment	NOUN
emaj-345	114	30	method	method	NOUN
emaj-345	114	31	is	be	AUX
emaj-345	114	32	not	not	PART
emaj-345	114	33	used	use	VERB
emaj-345	114	34	by	by	ADP
emaj-345	114	35	many	many	ADJ
emaj-345	114	36	people	people	NOUN
emaj-345	114	37	,	,	PUNCT
emaj-345	114	38	active	active	ADJ
emaj-345	114	39	usage	usage	NOUN
emaj-345	114	40	has	have	AUX
emaj-345	114	41	been	be	AUX
emaj-345	114	42	considered	consider	VERB
emaj-345	114	43	as	as	ADP
emaj-345	114	44	the	the	DET
emaj-345	114	45	antecedent	antecedent	NOUN
emaj-345	114	46	in	in	ADP
emaj-345	114	47	the	the	DET
emaj-345	114	48	research	research	NOUN
emaj-345	114	49	,	,	PUNCT
emaj-345	114	50	with	with	ADP
emaj-345	114	51	intention	intention	NOUN
emaj-345	114	52	as	as	ADP
emaj-345	114	53	the	the	DET
emaj-345	114	54	dependent	dependent	ADJ
emaj-345	114	55	variable	variable	NOUN
emaj-345	114	56	.	.	PUNCT
emaj-345	115	1	studies	study	NOUN
emaj-345	115	2	in	in	ADP
emaj-345	115	3	the	the	DET
emaj-345	115	4	literature	literature	NOUN
emaj-345	115	5	have	have	AUX
emaj-345	115	6	found	find	VERB
emaj-345	115	7	positive	positive	ADJ
emaj-345	115	8	and	and	CCONJ
emaj-345	115	9	significant	significant	ADJ
emaj-345	115	10	relationships	relationship	NOUN
emaj-345	115	11	between	between	ADP
emaj-345	115	12	at	at	ADP
emaj-345	116	1	and	and	CCONJ
emaj-345	116	2	i	i	PRON
emaj-345	116	3	(	(	PUNCT
emaj-345	116	4	venkatesh	venkatesh	PROPN
emaj-345	116	5	&	&	CCONJ
emaj-345	116	6	bala	bala	PROPN
emaj-345	116	7	,	,	PUNCT
emaj-345	116	8	2008	2008	NUM
emaj-345	116	9	;	;	PUNCT
emaj-345	116	10	ly	ly	X
emaj-345	116	11	&	&	CCONJ
emaj-345	116	12	ly	ly	NOUN
emaj-345	116	13	,	,	PUNCT
emaj-345	116	14	2022	2022	NUM
emaj-345	116	15	)	)	PUNCT
emaj-345	116	16	.	.	PUNCT
emaj-345	117	1	hypothesis	hypothesis	NOUN
emaj-345	117	2	h5	h5	PROPN
emaj-345	117	3	has	have	AUX
emaj-345	117	4	been	be	AUX
emaj-345	117	5	formulated	formulate	VERB
emaj-345	117	6	specifically	specifically	ADV
emaj-345	117	7	for	for	ADP
emaj-345	117	8	at	at	ADP
emaj-345	117	9	and	and	CCONJ
emaj-345	117	10	i.	i.	PROPN
emaj-345	117	11	h5	h5	PROPN
emaj-345	117	12	:	:	PUNCT
emaj-345	117	13	at	at	AUX
emaj-345	117	14	have	have	VERB
emaj-345	117	15	a	a	DET
emaj-345	117	16	positive	positive	ADJ
emaj-345	117	17	and	and	CCONJ
emaj-345	117	18	significant	significant	ADJ
emaj-345	117	19	impact	impact	NOUN
emaj-345	117	20	on	on	ADP
emaj-345	117	21	i	i	PRON
emaj-345	117	22	the	the	DET
emaj-345	117	23	aim	aim	NOUN
emaj-345	117	24	of	of	ADP
emaj-345	117	25	the	the	DET
emaj-345	117	26	study	study	NOUN
emaj-345	117	27	is	be	AUX
emaj-345	117	28	to	to	PART
emaj-345	117	29	examine	examine	VERB
emaj-345	117	30	the	the	DET
emaj-345	117	31	factors	factor	NOUN
emaj-345	117	32	affecting	affect	VERB
emaj-345	117	33	the	the	DET
emaj-345	117	34	use	use	NOUN
emaj-345	117	35	of	of	ADP
emaj-345	117	36	e	e	NOUN
emaj-345	117	37	-	-	NOUN
emaj-345	117	38	money	money	NOUN
emaj-345	117	39	in	in	ADP
emaj-345	117	40	the	the	DET
emaj-345	117	41	retail	retail	ADJ
emaj-345	117	42	sector	sector	NOUN
emaj-345	117	43	using	use	VERB
emaj-345	117	44	the	the	DET
emaj-345	117	45	research	research	NOUN
emaj-345	117	46	model	model	NOUN
emaj-345	117	47	created	create	VERB
emaj-345	117	48	.	.	PUNCT
emaj-345	118	1	additionally	additionally	ADV
emaj-345	118	2	,	,	PUNCT
emaj-345	118	3	since	since	SCONJ
emaj-345	118	4	payments	payment	NOUN
emaj-345	118	5	made	make	VERB
emaj-345	118	6	with	with	ADP
emaj-345	118	7	e	e	NOUN
emaj-345	118	8	-	-	NOUN
emaj-345	118	9	money	money	NOUN
emaj-345	118	10	represent	represent	VERB
emaj-345	118	11	a	a	DET
emaj-345	118	12	financial	financial	ADJ
emaj-345	118	13	process	process	NOUN
emaj-345	118	14	,	,	PUNCT
emaj-345	118	15	the	the	DET
emaj-345	118	16	risk	risk	NOUN
emaj-345	118	17	variable	variable	NOUN
emaj-345	118	18	has	have	AUX
emaj-345	118	19	been	be	AUX
emaj-345	118	20	added	add	VERB
emaj-345	118	21	to	to	ADP
emaj-345	118	22	the	the	DET
emaj-345	118	23	model	model	NOUN
emaj-345	118	24	.	.	PUNCT
emaj-345	119	1	the	the	DET
emaj-345	119	2	study	study	NOUN
emaj-345	119	3	attempts	attempt	VERB
emaj-345	119	4	to	to	PART
emaj-345	119	5	explain	explain	VERB
emaj-345	119	6	intention	intention	NOUN
emaj-345	119	7	,	,	PUNCT
emaj-345	119	8	considered	consider	VERB
emaj-345	119	9	as	as	ADP
emaj-345	119	10	the	the	DET
emaj-345	119	11	antecedent	antecedent	NOUN
emaj-345	119	12	of	of	ADP
emaj-345	119	13	active	active	ADJ
emaj-345	119	14	usage	usage	NOUN
emaj-345	119	15	,	,	PUNCT
emaj-345	119	16	as	as	ADP
emaj-345	119	17	the	the	DET
emaj-345	119	18	dependent	dependent	ADJ
emaj-345	119	19	variable	variable	NOUN
emaj-345	119	20	.	.	PUNCT
emaj-345	120	1	iv	iv	X
emaj-345	120	2	.	.	PUNCT
emaj-345	120	3	methodology	methodology	NOUN
emaj-345	120	4	since	since	SCONJ
emaj-345	120	5	e	e	NOUN
emaj-345	120	6	-	-	NOUN
emaj-345	120	7	money	money	NOUN
emaj-345	120	8	as	as	ADP
emaj-345	120	9	a	a	DET
emaj-345	120	10	payment	payment	NOUN
emaj-345	120	11	method	method	NOUN
emaj-345	120	12	is	be	AUX
emaj-345	120	13	a	a	DET
emaj-345	120	14	new	new	ADJ
emaj-345	120	15	concept	concept	NOUN
emaj-345	120	16	and	and	CCONJ
emaj-345	120	17	technology	technology	NOUN
emaj-345	120	18	,	,	PUNCT
emaj-345	120	19	the	the	DET
emaj-345	120	20	study	study	NOUN
emaj-345	120	21	is	be	AUX
emaj-345	120	22	exploratory	exploratory	ADJ
emaj-345	120	23	in	in	ADP
emaj-345	120	24	nature	nature	NOUN
emaj-345	120	25	.	.	PUNCT
emaj-345	121	1	partial	partial	ADJ
emaj-345	121	2	least	least	ADJ
emaj-345	121	3	squares	square	NOUN
emaj-345	121	4	-	-	PUNCT
emaj-345	121	5	structural	structural	ADJ
emaj-345	121	6	equation	equation	NOUN
emaj-345	121	7	modeling	modeling	NOUN
emaj-345	121	8	(	(	PUNCT
emaj-345	121	9	plssem	plssem	NOUN
emaj-345	121	10	)	)	PUNCT
emaj-345	121	11	has	have	AUX
emaj-345	121	12	been	be	AUX
emaj-345	121	13	used	use	VERB
emaj-345	121	14	in	in	ADP
emaj-345	121	15	the	the	DET
emaj-345	121	16	research	research	NOUN
emaj-345	121	17	.	.	PUNCT
emaj-345	122	1	pls	pls	INTJ
emaj-345	122	2	-	-	PUNCT
emaj-345	122	3	sem	sem	PROPN
emaj-345	122	4	is	be	AUX
emaj-345	122	5	commonly	commonly	ADV
emaj-345	122	6	used	use	VERB
emaj-345	122	7	in	in	ADP
emaj-345	122	8	studies	study	NOUN
emaj-345	122	9	that	that	PRON
emaj-345	122	10	examine	examine	VERB
emaj-345	122	11	multiple	multiple	ADJ
emaj-345	122	12	variables	variable	NOUN
emaj-345	122	13	and	and	CCONJ
emaj-345	122	14	relationships	relationship	NOUN
emaj-345	122	15	.	.	PUNCT
emaj-345	123	1	for	for	ADP
emaj-345	123	2	these	these	DET
emaj-345	123	3	reasons	reason	NOUN
emaj-345	123	4	,	,	PUNCT
emaj-345	123	5	pls	pls	PROPN
emaj-345	123	6	-	-	PUNCT
emaj-345	123	7	sem	sem	PROPN
emaj-345	123	8	has	have	AUX
emaj-345	123	9	been	be	AUX
emaj-345	123	10	used	use	VERB
emaj-345	123	11	in	in	ADP
emaj-345	123	12	the	the	DET
emaj-345	123	13	current	current	ADJ
emaj-345	123	14	study	study	NOUN
emaj-345	123	15	.	.	PUNCT
emaj-345	124	1	the	the	DET
emaj-345	124	2	existing	exist	VERB
emaj-345	124	3	tam	tam	NOUN
emaj-345	124	4	scale	scale	NOUN
emaj-345	124	5	has	have	AUX
emaj-345	124	6	been	be	AUX
emaj-345	124	7	revised	revise	VERB
emaj-345	124	8	for	for	ADP
emaj-345	124	9	the	the	DET
emaj-345	124	10	content	content	NOUN
emaj-345	124	11	of	of	ADP
emaj-345	124	12	the	the	DET
emaj-345	124	13	research	research	NOUN
emaj-345	124	14	and	and	CCONJ
emaj-345	124	15	directed	direct	VERB
emaj-345	124	16	towards	towards	ADP
emaj-345	124	17	experts	expert	NOUN
emaj-345	124	18	at	at	ADP
emaj-345	124	19	the	the	DET
emaj-345	124	20	undergraduate	undergraduate	ADJ
emaj-345	124	21	level	level	NOUN
emaj-345	124	22	in	in	ADP
emaj-345	124	23	international	international	ADJ
emaj-345	124	24	trade	trade	NOUN
emaj-345	124	25	,	,	PUNCT
emaj-345	124	26	logistics	logistic	NOUN
emaj-345	124	27	,	,	PUNCT
emaj-345	124	28	economics	economic	NOUN
emaj-345	124	29	,	,	PUNCT
emaj-345	124	30	and	and	CCONJ
emaj-345	124	31	finance	finance	NOUN
emaj-345	124	32	,	,	PUNCT
emaj-345	124	33	focusing	focus	VERB
emaj-345	124	34	on	on	ADP
emaj-345	124	35	scf	scf	PROPN
emaj-345	124	36	and	and	CCONJ
emaj-345	124	37	e	e	NOUN
emaj-345	124	38	-	-	NOUN
emaj-345	124	39	money	money	NOUN
emaj-345	124	40	.	.	PUNCT
emaj-345	125	1	convenience	convenience	NOUN
emaj-345	125	2	sampling	sampling	NOUN
emaj-345	125	3	method	method	NOUN
emaj-345	125	4	was	be	AUX
emaj-345	125	5	chosen	choose	VERB
emaj-345	125	6	for	for	ADP
emaj-345	125	7	sample	sample	NOUN
emaj-345	125	8	selection	selection	NOUN
emaj-345	125	9	.	.	PUNCT
emaj-345	126	1	the	the	DET
emaj-345	126	2	scale	scale	NOUN
emaj-345	126	3	of	of	ADP
emaj-345	126	4	the	the	DET
emaj-345	126	5	research	research	NOUN
emaj-345	126	6	consists	consist	VERB
emaj-345	126	7	of	of	ADP
emaj-345	126	8	three	three	NUM
emaj-345	126	9	sections	section	NOUN
emaj-345	126	10	.	.	PUNCT
emaj-345	127	1	the	the	DET
emaj-345	127	2	first	first	ADJ
emaj-345	127	3	section	section	NOUN
emaj-345	127	4	contains	contain	VERB
emaj-345	127	5	information	information	NOUN
emaj-345	127	6	about	about	ADP
emaj-345	127	7	retailers	retailer	NOUN
emaj-345	127	8	'	'	PART
emaj-345	127	9	e	e	NOUN
emaj-345	127	10	-	-	NOUN
emaj-345	127	11	money	money	NOUN
emaj-345	127	12	applications	application	NOUN
emaj-345	127	13	.	.	PUNCT
emaj-345	128	1	a	a	DET
emaj-345	128	2	5point	5point	NUM
emaj-345	128	3	likert	likert	ADJ
emaj-345	128	4	scale	scale	NOUN
emaj-345	128	5	was	be	AUX
emaj-345	128	6	used	use	VERB
emaj-345	128	7	for	for	ADP
emaj-345	128	8	the	the	DET
emaj-345	128	9	questions	question	NOUN
emaj-345	128	10	in	in	ADP
emaj-345	128	11	the	the	DET
emaj-345	128	12	second	second	ADJ
emaj-345	128	13	section	section	NOUN
emaj-345	128	14	.	.	PUNCT
emaj-345	129	1	the	the	DET
emaj-345	129	2	third	third	ADJ
emaj-345	129	3	section	section	NOUN
emaj-345	129	4	aimed	aim	VERB
emaj-345	129	5	to	to	PART
emaj-345	129	6	collect	collect	VERB
emaj-345	129	7	demographic	demographic	ADJ
emaj-345	129	8	information	information	NOUN
emaj-345	129	9	from	from	ADP
emaj-345	129	10	the	the	DET
emaj-345	129	11	participants	participant	NOUN
emaj-345	129	12	.	.	PUNCT
emaj-345	130	1	subsequently	subsequently	ADV
emaj-345	130	2	,	,	PUNCT
emaj-345	130	3	the	the	DET
emaj-345	130	4	scale	scale	NOUN
emaj-345	130	5	was	be	AUX
emaj-345	130	6	tested	test	VERB
emaj-345	130	7	on	on	ADP
emaj-345	130	8	a	a	DET
emaj-345	130	9	small	small	ADJ
emaj-345	130	10	group	group	NOUN
emaj-345	130	11	for	for	ADP
emaj-345	130	12	pilot	pilot	NOUN
emaj-345	130	13	analysis	analysis	NOUN
emaj-345	130	14	.	.	PUNCT
emaj-345	131	1	after	after	SCONJ
emaj-345	131	2	it	it	PRON
emaj-345	131	3	was	be	AUX
emaj-345	131	4	understood	understand	VERB
emaj-345	131	5	that	that	SCONJ
emaj-345	131	6	there	there	PRON
emaj-345	131	7	were	be	VERB
emaj-345	131	8	no	no	DET
emaj-345	131	9	issues	issue	NOUN
emaj-345	131	10	regarding	regard	VERB
emaj-345	131	11	reliability	reliability	NOUN
emaj-345	131	12	and	and	CCONJ
emaj-345	131	13	validity	validity	NOUN
emaj-345	131	14	,	,	PUNCT
emaj-345	131	15	the	the	DET
emaj-345	131	16	data	data	NOUN
emaj-345	131	17	collection	collection	NOUN
emaj-345	131	18	process	process	NOUN
emaj-345	131	19	began	begin	VERB
emaj-345	131	20	.	.	PUNCT
emaj-345	132	1	the	the	DET
emaj-345	132	2	data	datum	NOUN
emaj-345	132	3	for	for	ADP
emaj-345	132	4	the	the	DET
emaj-345	132	5	research	research	NOUN
emaj-345	132	6	were	be	AUX
emaj-345	132	7	collected	collect	VERB
emaj-345	132	8	through	through	ADP
emaj-345	132	9	online	online	ADJ
emaj-345	132	10	platforms	platform	NOUN
emaj-345	132	11	.	.	PUNCT
emaj-345	133	1	the	the	DET
emaj-345	133	2	scale	scale	NOUN
emaj-345	133	3	of	of	ADP
emaj-345	133	4	the	the	DET
emaj-345	133	5	research	research	NOUN
emaj-345	133	6	was	be	AUX
emaj-345	133	7	sent	send	VERB
emaj-345	133	8	to	to	ADP
emaj-345	133	9	480	480	NUM
emaj-345	133	10	people	people	NOUN
emaj-345	133	11	,	,	PUNCT
emaj-345	133	12	and	and	CCONJ
emaj-345	133	13	a	a	DET
emaj-345	133	14	total	total	NOUN
emaj-345	133	15	of	of	ADP
emaj-345	133	16	345	345	NUM
emaj-345	133	17	responses	response	NOUN
emaj-345	133	18	were	be	AUX
emaj-345	133	19	received	receive	VERB
emaj-345	133	20	.	.	PUNCT
emaj-345	134	1	after	after	ADP
emaj-345	134	2	cleaning	clean	VERB
emaj-345	134	3	and	and	CCONJ
emaj-345	134	4	organizing	organize	VERB
emaj-345	134	5	the	the	DET
emaj-345	134	6	data	datum	NOUN
emaj-345	134	7	,	,	PUNCT
emaj-345	134	8	analysis	analysis	NOUN
emaj-345	134	9	was	be	AUX
emaj-345	134	10	performed	perform	VERB
emaj-345	134	11	using	use	VERB
emaj-345	134	12	286	286	NUM
emaj-345	134	13	usable	usable	ADJ
emaj-345	134	14	data	datum	NOUN
emaj-345	134	15	.	.	PUNCT
emaj-345	135	1	smart	smart	ADJ
emaj-345	135	2	pls	pls	NOUN
emaj-345	135	3	4	4	NUM
emaj-345	135	4	,	,	PUNCT
emaj-345	135	5	a	a	DET
emaj-345	135	6	commonly	commonly	ADV
emaj-345	135	7	used	use	VERB
emaj-345	135	8	analysis	analysis	NOUN
emaj-345	135	9	program	program	NOUN
emaj-345	135	10	for	for	ADP
emaj-345	135	11	pls	pls	NOUN
emaj-345	135	12	-	-	PUNCT
emaj-345	135	13	sem	sem	NOUN
emaj-345	135	14	,	,	PUNCT
emaj-345	135	15	was	be	AUX
emaj-345	135	16	used	use	VERB
emaj-345	135	17	for	for	ADP
emaj-345	135	18	the	the	DET
emaj-345	135	19	analysis	analysis	NOUN
emaj-345	135	20	of	of	ADP
emaj-345	135	21	the	the	DET
emaj-345	135	22	research	research	NOUN
emaj-345	135	23	.	.	PUNCT
emaj-345	136	1	the	the	DET
emaj-345	136	2	findings	findings	PROPN
emaj-345	136	3	section	section	NOUN
emaj-345	136	4	thoroughly	thoroughly	ADV
emaj-345	136	5	examines	examine	VERB
emaj-345	136	6	the	the	DET
emaj-345	136	7	outputs	output	NOUN
emaj-345	136	8	of	of	ADP
emaj-345	136	9	the	the	DET
emaj-345	136	10	research	research	NOUN
emaj-345	136	11	.	.	PUNCT
emaj-345	137	1	v.	v.	ADP
emaj-345	137	2	findings	finding	VERB
emaj-345	137	3	the	the	DET
emaj-345	137	4	first	first	ADJ
emaj-345	137	5	step	step	NOUN
emaj-345	137	6	involved	involve	VERB
emaj-345	137	7	examining	examine	VERB
emaj-345	137	8	whether	whether	SCONJ
emaj-345	137	9	the	the	DET
emaj-345	137	10	research	research	NOUN
emaj-345	137	11	data	datum	NOUN
emaj-345	137	12	were	be	AUX
emaj-345	137	13	suitable	suitable	ADJ
emaj-345	137	14	for	for	ADP
emaj-345	137	15	analysis	analysis	NOUN
emaj-345	137	16	using	use	VERB
emaj-345	137	17	skewness	skewness	NOUN
emaj-345	137	18	volume	volume	NOUN
emaj-345	137	19	14	14	NUM
emaj-345	137	20	no	no	DET
emaj-345	137	21	2	2	NUM
emaj-345	137	22	(	(	PUNCT
emaj-345	137	23	2024	2024	NUM
emaj-345	137	24	)	)	PUNCT
emaj-345	137	25	|	|	ADV
emaj-345	137	26	issn	issn	VERB
emaj-345	137	27	2158	2158	NUM
emaj-345	137	28	-	-	SYM
emaj-345	137	29	8708	8708	NUM
emaj-345	137	30	(	(	PUNCT
emaj-345	137	31	online	online	NOUN
emaj-345	137	32	)	)	PUNCT
emaj-345	137	33	|	|	ADV
emaj-345	137	34	doi	doi	X
emaj-345	137	35	10.5195	10.5195	NUM
emaj-345	137	36	/	/	SYM
emaj-345	137	37	emaj.2024.345	emaj.2024.345	PROPN
emaj-345	137	38	|	|	ADV
emaj-345	137	39	http://emaj.pitt.edu	http://emaj.pitt.edu	X
emaj-345	137	40	supply	supply	NOUN
emaj-345	137	41	chain	chain	NOUN
emaj-345	137	42	finance	finance	NOUN
emaj-345	137	43	:	:	PUNCT
emaj-345	137	44	a	a	DET
emaj-345	137	45	study	study	NOUN
emaj-345	137	46	on	on	ADP
emaj-345	137	47	the	the	DET
emaj-345	137	48	use	use	NOUN
emaj-345	137	49	of	of	ADP
emaj-345	137	50	e	e	NOUN
emaj-345	137	51	-	-	NOUN
emaj-345	137	52	money	money	NOUN
emaj-345	137	53	page	page	NOUN
emaj-345	137	54	|20|	|20|	NOUN
emaj-345	137	55	emerging	emerge	VERB
emaj-345	137	56	markets	market	NOUN
emaj-345	137	57	journal	journal	NOUN
emaj-345	137	58	and	and	CCONJ
emaj-345	137	59	kurtosis	kurtosis	VERB
emaj-345	137	60	values	value	NOUN
emaj-345	137	61	.	.	PUNCT
emaj-345	138	1	since	since	SCONJ
emaj-345	138	2	the	the	DET
emaj-345	138	3	values	value	NOUN
emaj-345	138	4	were	be	AUX
emaj-345	138	5	between	between	ADP
emaj-345	138	6	-1.5	-1.5	PUNCT
emaj-345	138	7	and	and	CCONJ
emaj-345	138	8	+1.5	+1.5	PROPN
emaj-345	138	9	,	,	PUNCT
emaj-345	138	10	the	the	DET
emaj-345	138	11	suitability	suitability	NOUN
emaj-345	138	12	for	for	ADP
emaj-345	138	13	analysis	analysis	NOUN
emaj-345	138	14	was	be	AUX
emaj-345	138	15	confirmed	confirm	VERB
emaj-345	138	16	.	.	PUNCT
emaj-345	139	1	subsequently	subsequently	ADV
emaj-345	139	2	,	,	PUNCT
emaj-345	139	3	reliability	reliability	NOUN
emaj-345	139	4	and	and	CCONJ
emaj-345	139	5	validity	validity	NOUN
emaj-345	139	6	analyses	analysis	NOUN
emaj-345	139	7	were	be	AUX
emaj-345	139	8	conducted	conduct	VERB
emaj-345	139	9	(	(	PUNCT
emaj-345	139	10	tabachnick	tabachnick	NOUN
emaj-345	139	11	et	et	PROPN
emaj-345	139	12	.	.	PUNCT
emaj-345	140	1	al	al	PROPN
emaj-345	140	2	.	.	PROPN
emaj-345	140	3	,	,	PUNCT
emaj-345	140	4	2013	2013	NUM
emaj-345	140	5	)	)	PUNCT
emaj-345	140	6	.	.	PUNCT
emaj-345	141	1	in	in	ADP
emaj-345	141	2	terms	term	NOUN
emaj-345	141	3	of	of	ADP
emaj-345	141	4	reliability	reliability	NOUN
emaj-345	141	5	and	and	CCONJ
emaj-345	141	6	validity	validity	NOUN
emaj-345	141	7	,	,	PUNCT
emaj-345	141	8	factor	factor	NOUN
emaj-345	141	9	loadings	loading	NOUN
emaj-345	141	10	analysis	analysis	NOUN
emaj-345	141	11	was	be	AUX
emaj-345	141	12	performed	perform	VERB
emaj-345	141	13	first	first	ADV
emaj-345	141	14	.	.	PUNCT
emaj-345	142	1	this	this	PRON
emaj-345	142	2	was	be	AUX
emaj-345	142	3	followed	follow	VERB
emaj-345	142	4	by	by	ADP
emaj-345	142	5	cronbach	cronbach	NOUN
emaj-345	142	6	's	's	PART
emaj-345	142	7	alpha	alpha	NOUN
emaj-345	142	8	,	,	PUNCT
emaj-345	142	9	composite	composite	ADJ
emaj-345	142	10	reliability	reliability	NOUN
emaj-345	142	11	(	(	PUNCT
emaj-345	142	12	cr	cr	NOUN
emaj-345	142	13	)	)	PUNCT
emaj-345	142	14	,	,	PUNCT
emaj-345	142	15	and	and	CCONJ
emaj-345	142	16	average	average	ADJ
emaj-345	142	17	variance	variance	NOUN
emaj-345	142	18	extracted	extract	VERB
emaj-345	142	19	(	(	PUNCT
emaj-345	142	20	ave	ave	NOUN
emaj-345	142	21	)	)	PUNCT
emaj-345	142	22	analyses	analysis	NOUN
emaj-345	142	23	.	.	PUNCT
emaj-345	143	1	table	table	NOUN
emaj-345	143	2	1	1	NUM
emaj-345	143	3	:	:	PUNCT
emaj-345	143	4	reliability	reliability	NOUN
emaj-345	143	5	analysis	analysis	NOUN
emaj-345	143	6	variables	variable	VERB
emaj-345	143	7	variables	variable	VERB
emaj-345	143	8	factor	factor	NOUN
emaj-345	143	9	loadings	loading	NOUN
emaj-345	143	10	cronb	cronb	PROPN
emaj-345	143	11	ach	ach	PROPN
emaj-345	143	12	's	's	PART
emaj-345	143	13	alpha	alpha	NOUN
emaj-345	143	14	cr	cr	PROPN
emaj-345	143	15	ave	ave	VERB
emaj-345	143	16	risk	risk	NOUN
emaj-345	143	17	r1	r1	PROPN
emaj-345	143	18	0.891	0.891	NUM
emaj-345	143	19	0.791	0.791	NUM
emaj-345	143	20	0.857	0.857	NUM
emaj-345	143	21	0.667	0.667	NUM
emaj-345	143	22	r2	r2	PROPN
emaj-345	143	23	0.776	0.776	NUM
emaj-345	143	24	r3	r3	PROPN
emaj-345	143	25	0.777	0.777	NUM
emaj-345	143	26	perceived	perceive	VERB
emaj-345	143	27	ease	ease	NOUN
emaj-345	143	28	of	of	ADP
emaj-345	143	29	use	use	NOUN
emaj-345	143	30	peou1	peou1	NOUN
emaj-345	143	31	0.888	0.888	NUM
emaj-345	143	32	0.906	0.906	NUM
emaj-345	143	33	0.934	0.934	NUM
emaj-345	143	34	0.780	0.780	NUM
emaj-345	143	35	peou2	peou2	NOUN
emaj-345	143	36	0.839	0.839	NUM
emaj-345	143	37	peou3	peou3	NOUN
emaj-345	143	38	0.906	0.906	NUM
emaj-345	143	39	peou4	peou4	NOUN
emaj-345	143	40	0.899	0.899	NUM
emaj-345	143	41	perceived	perceive	VERB
emaj-345	143	42	usefulness	usefulness	NOUN
emaj-345	143	43	pu1	pu1	NOUN
emaj-345	143	44	0.875	0.875	NUM
emaj-345	143	45	0.892	0.892	NUM
emaj-345	143	46	0.925	0.925	NUM
emaj-345	143	47	0.756	0.756	NUM
emaj-345	143	48	pu2	pu2	NOUN
emaj-345	143	49	0.865	0.865	NUM
emaj-345	143	50	pu3	pu3	NOUN
emaj-345	143	51	0.923	0.923	NUM
emaj-345	143	52	pu4	pu4	NOUN
emaj-345	143	53	0.811	0.811	NUM
emaj-345	143	54	attitude	attitude	NOUN
emaj-345	143	55	towards	towards	ADP
emaj-345	143	56	use	use	NOUN
emaj-345	143	57	at1	at1	PROPN
emaj-345	143	58	0.917	0.917	NUM
emaj-345	143	59	0.918	0.918	NUM
emaj-345	143	60	0.948	0.948	NUM
emaj-345	143	61	0.859	0.859	NUM
emaj-345	143	62	at2	at2	NOUN
emaj-345	143	63	0.926	0.926	NUM
emaj-345	143	64	at3	at3	NOUN
emaj-345	143	65	0.938	0.938	NUM
emaj-345	143	66	intention	intention	NOUN
emaj-345	143	67	i1	i1	PROPN
emaj-345	143	68	0.927	0.927	NUM
emaj-345	143	69	0.927	0.927	NUM
emaj-345	143	70	0.953	0.953	NUM
emaj-345	143	71	0.872	0.872	NUM
emaj-345	143	72	i2	i2	NOUN
emaj-345	143	73	0.948	0.948	NUM
emaj-345	143	74	i3	i3	PROPN
emaj-345	143	75	0.926	0.926	NUM
emaj-345	143	76	source	source	NOUN
emaj-345	143	77	:	:	PUNCT
emaj-345	143	78	smart	smart	ADJ
emaj-345	143	79	pls	pls	NOUN
emaj-345	143	80	4	4	NUM
emaj-345	143	81	software	software	NOUN
emaj-345	143	82	output	output	VERB
emaj-345	143	83	the	the	DET
emaj-345	143	84	factor	factor	NOUN
emaj-345	143	85	loadings	loading	NOUN
emaj-345	143	86	,	,	PUNCT
emaj-345	143	87	cronbach	cronbach	PROPN
emaj-345	143	88	's	's	PART
emaj-345	143	89	alpha	alpha	NOUN
emaj-345	143	90	,	,	PUNCT
emaj-345	143	91	cr	cr	PROPN
emaj-345	143	92	and	and	CCONJ
emaj-345	143	93	ave	ave	PROPN
emaj-345	143	94	values	value	NOUN
emaj-345	143	95	are	be	AUX
emaj-345	143	96	shown	show	VERB
emaj-345	143	97	in	in	ADP
emaj-345	143	98	table	table	NOUN
emaj-345	143	99	1	1	NUM
emaj-345	143	100	.	.	PUNCT
emaj-345	144	1	upon	upon	SCONJ
emaj-345	144	2	examination	examination	NOUN
emaj-345	144	3	of	of	ADP
emaj-345	144	4	the	the	DET
emaj-345	144	5	factor	factor	NOUN
emaj-345	144	6	loadings	loading	NOUN
emaj-345	144	7	,	,	PUNCT
emaj-345	144	8	cronbach	cronbach	NOUN
emaj-345	144	9	's	's	PART
emaj-345	144	10	alpha	alpha	NOUN
emaj-345	144	11	and	and	CCONJ
emaj-345	144	12	cr	cr	NOUN
emaj-345	144	13	values	value	NOUN
emaj-345	144	14	,	,	PUNCT
emaj-345	144	15	it	it	PRON
emaj-345	144	16	was	be	AUX
emaj-345	144	17	found	find	VERB
emaj-345	144	18	that	that	SCONJ
emaj-345	144	19	they	they	PRON
emaj-345	144	20	were	be	AUX
emaj-345	144	21	above	above	ADP
emaj-345	144	22	0.70	0.70	NUM
emaj-345	144	23	.	.	PUNCT
emaj-345	145	1	additionally	additionally	ADV
emaj-345	145	2	,	,	PUNCT
emaj-345	145	3	the	the	DET
emaj-345	145	4	ave	ave	NOUN
emaj-345	145	5	values	value	NOUN
emaj-345	145	6	were	be	AUX
emaj-345	145	7	found	find	VERB
emaj-345	145	8	to	to	PART
emaj-345	145	9	be	be	AUX
emaj-345	145	10	above	above	ADP
emaj-345	145	11	0.50	0.50	NUM
emaj-345	145	12	,	,	PUNCT
emaj-345	145	13	indicating	indicate	VERB
emaj-345	145	14	that	that	SCONJ
emaj-345	145	15	the	the	DET
emaj-345	145	16	research	research	NOUN
emaj-345	145	17	data	datum	NOUN
emaj-345	145	18	meet	meet	VERB
emaj-345	145	19	the	the	DET
emaj-345	145	20	criteria	criterion	NOUN
emaj-345	145	21	for	for	ADP
emaj-345	145	22	reliability	reliability	NOUN
emaj-345	145	23	and	and	CCONJ
emaj-345	145	24	validity	validity	NOUN
emaj-345	145	25	(	(	PUNCT
emaj-345	145	26	hair	hair	NOUN
emaj-345	145	27	et	et	NOUN
emaj-345	145	28	.	.	PUNCT
emaj-345	146	1	al	al	PROPN
emaj-345	146	2	.	.	PROPN
emaj-345	146	3	,	,	PUNCT
emaj-345	146	4	2011	2011	NUM
emaj-345	146	5	;	;	PUNCT
emaj-345	146	6	hair	hair	NOUN
emaj-345	146	7	et	et	PROPN
emaj-345	146	8	.	.	PUNCT
emaj-345	147	1	al	al	PROPN
emaj-345	147	2	.	.	PROPN
emaj-345	147	3	,	,	PUNCT
emaj-345	147	4	2019	2019	NUM
emaj-345	147	5	;	;	PUNCT
emaj-345	147	6	alnıpak	alnıpak	NOUN
emaj-345	147	7	&	&	CCONJ
emaj-345	147	8	toraman	toraman	NOUN
emaj-345	147	9	,	,	PUNCT
emaj-345	147	10	2024	2024	NUM
emaj-345	147	11	)	)	PUNCT
emaj-345	147	12	.	.	PUNCT
emaj-345	148	1	table	table	NOUN
emaj-345	148	2	2	2	NUM
emaj-345	148	3	:	:	PUNCT
emaj-345	148	4	discriminant	discriminant	ADJ
emaj-345	148	5	validity	validity	NOUN
emaj-345	148	6	-	-	PUNCT
emaj-345	148	7	fornell	fornell	NOUN
emaj-345	148	8	-	-	PUNCT
emaj-345	148	9	larcker	larcker	NOUN
emaj-345	148	10	criterion	criterion	NOUN
emaj-345	148	11	analysis	analysis	NOUN
emaj-345	148	12	items	item	NOUN
emaj-345	148	13	at	at	ADP
emaj-345	148	14	i	i	PRON
emaj-345	148	15	peou	peou	ADV
emaj-345	148	16	pu	pu	PROPN
emaj-345	148	17	r	r	NOUN
emaj-345	148	18	at	at	ADP
emaj-345	148	19	0.927	0.927	NUM
emaj-345	148	20	i	i	PRON
emaj-345	148	21	0.835	0.835	NUM
emaj-345	148	22	0.934	0.934	NUM
emaj-345	148	23	peou	peou	ADV
emaj-345	148	24	0.629	0.629	NUM
emaj-345	148	25	0.620	0.620	NUM
emaj-345	148	26	0.833	0.833	NUM
emaj-345	148	27	pu	pu	PROPN
emaj-345	148	28	0.687	0.687	NUM
emaj-345	148	29	0.717	0.717	NUM
emaj-345	148	30	0.783	0.783	NUM
emaj-345	148	31	0.870	0.870	NUM
emaj-345	148	32	r	r	NOUN
emaj-345	148	33	0.311	0.311	NUM
emaj-345	148	34	0.210	0.210	NUM
emaj-345	148	35	0.341	0.341	NUM
emaj-345	148	36	0.288	0.288	NUM
emaj-345	148	37	0.816	0.816	NUM
emaj-345	148	38	source	source	NOUN
emaj-345	148	39	:	:	PUNCT
emaj-345	148	40	smart	smart	ADJ
emaj-345	148	41	pls	pls	NOUN
emaj-345	148	42	4	4	NUM
emaj-345	148	43	software	software	NOUN
emaj-345	148	44	output	output	VERB
emaj-345	148	45	the	the	DET
emaj-345	148	46	discriminant	discriminant	ADJ
emaj-345	148	47	validity	validity	NOUN
emaj-345	148	48	analysis	analysis	NOUN
emaj-345	148	49	prepared	prepare	VERB
emaj-345	148	50	according	accord	VERB
emaj-345	148	51	to	to	ADP
emaj-345	148	52	the	the	DET
emaj-345	148	53	fornell	fornell	ADJ
emaj-345	148	54	-	-	PUNCT
emaj-345	148	55	larcker	larcker	NOUN
emaj-345	148	56	criterion	criterion	NOUN
emaj-345	148	57	is	be	AUX
emaj-345	148	58	shown	show	VERB
emaj-345	148	59	in	in	ADP
emaj-345	148	60	table	table	NOUN
emaj-345	148	61	2	2	NUM
emaj-345	148	62	.	.	PUNCT
emaj-345	148	63	upon	upon	SCONJ
emaj-345	148	64	examining	examine	VERB
emaj-345	148	65	the	the	DET
emaj-345	148	66	correlation	correlation	NOUN
emaj-345	148	67	table	table	NOUN
emaj-345	148	68	,	,	PUNCT
emaj-345	148	69	it	it	PRON
emaj-345	148	70	can	can	AUX
emaj-345	148	71	be	be	AUX
emaj-345	148	72	observed	observe	VERB
emaj-345	148	73	that	that	SCONJ
emaj-345	148	74	variables	variable	NOUN
emaj-345	148	75	,	,	PUNCT
emaj-345	148	76	except	except	SCONJ
emaj-345	148	77	for	for	ADP
emaj-345	148	78	risk	risk	NOUN
emaj-345	148	79	,	,	PUNCT
emaj-345	148	80	are	be	AUX
emaj-345	148	81	correlated	correlate	VERB
emaj-345	148	82	.	.	PUNCT
emaj-345	149	1	it	it	PRON
emaj-345	149	2	is	be	AUX
emaj-345	149	3	normal	normal	ADJ
emaj-345	149	4	for	for	SCONJ
emaj-345	149	5	the	the	DET
emaj-345	149	6	risk	risk	NOUN
emaj-345	149	7	variable	variable	NOUN
emaj-345	149	8	to	to	PART
emaj-345	149	9	show	show	VERB
emaj-345	149	10	low	low	ADJ
emaj-345	149	11	correlation	correlation	NOUN
emaj-345	149	12	due	due	ADP
emaj-345	149	13	to	to	ADP
emaj-345	149	14	its	its	PRON
emaj-345	149	15	structure	structure	NOUN
emaj-345	149	16	.	.	PUNCT
emaj-345	150	1	additionally	additionally	ADV
emaj-345	150	2	,	,	PUNCT
emaj-345	150	3	the	the	DET
emaj-345	150	4	variables	variable	NOUN
emaj-345	150	5	meet	meet	VERB
emaj-345	150	6	the	the	DET
emaj-345	150	7	requirement	requirement	NOUN
emaj-345	150	8	of	of	ADP
emaj-345	150	9	having	have	VERB
emaj-345	150	10	the	the	DET
emaj-345	150	11	highest	high	ADJ
emaj-345	150	12	correlation	correlation	NOUN
emaj-345	150	13	with	with	ADP
emaj-345	150	14	themselves	themselves	PRON
emaj-345	150	15	and	and	CCONJ
emaj-345	150	16	lower	low	ADJ
emaj-345	150	17	correlations	correlation	NOUN
emaj-345	150	18	with	with	ADP
emaj-345	150	19	others	other	NOUN
emaj-345	150	20	(	(	PUNCT
emaj-345	150	21	hair	hair	NOUN
emaj-345	150	22	et	et	NOUN
emaj-345	150	23	.	.	PUNCT
emaj-345	151	1	al	al	PROPN
emaj-345	151	2	.	.	PROPN
emaj-345	151	3	,	,	PUNCT
emaj-345	151	4	2011	2011	NUM
emaj-345	151	5	;	;	PUNCT
emaj-345	151	6	hair	hair	NOUN
emaj-345	151	7	et	et	PROPN
emaj-345	151	8	.	.	PUNCT
emaj-345	152	1	al	al	PROPN
emaj-345	152	2	.	.	PROPN
emaj-345	152	3	,	,	PUNCT
emaj-345	152	4	2019	2019	NUM
emaj-345	152	5	;	;	PUNCT
emaj-345	152	6	toraman	toraman	NOUN
emaj-345	152	7	,	,	PUNCT
emaj-345	152	8	2024	2024	NUM
emaj-345	152	9	)	)	PUNCT
emaj-345	152	10	.	.	PUNCT
emaj-345	153	1	table	table	NOUN
emaj-345	153	2	3	3	NUM
emaj-345	154	1	:	:	PUNCT
emaj-345	154	2	outputs	output	NOUN
emaj-345	154	3	of	of	ADP
emaj-345	154	4	structural	structural	ADJ
emaj-345	154	5	model	model	NOUN
emaj-345	154	6	hypothesis	hypothesis	NOUN
emaj-345	154	7	relation	relation	NOUN
emaj-345	154	8	path	path	PROPN
emaj-345	154	9	coefficient	coefficient	PROPN
emaj-345	154	10	t	t	PROPN
emaj-345	154	11	value	value	NOUN
emaj-345	154	12	p	p	PROPN
emaj-345	154	13	value	value	NOUN
emaj-345	154	14	0.05	0.05	NUM
emaj-345	154	15	>	>	SYM
emaj-345	154	16	supported	support	VERB
emaj-345	154	17	h1	h1	PROPN
emaj-345	154	18	rpu	rpu	PROPN
emaj-345	154	19	0.023	0.023	NUM
emaj-345	154	20	0.301	0.301	NUM
emaj-345	154	21	0.763	0.763	NUM
emaj-345	154	22	not	not	PART
emaj-345	154	23	supported	support	VERB
emaj-345	154	24	h2	h2	NOUN
emaj-345	154	25	rpeo	rpeo	VERB
emaj-345	154	26	u	u	NOUN
emaj-345	154	27	0.341	0.341	NUM
emaj-345	154	28	2.470	2.470	NUM
emaj-345	154	29	0.014	0.014	NUM
emaj-345	154	30	supported	support	VERB
emaj-345	154	31	h3	h3	NOUN
emaj-345	154	32	peou	peou	PROPN
emaj-345	155	1	pu	pu	PROPN
emaj-345	155	2	0.775	0.775	NUM
emaj-345	155	3	11.637	11.637	NUM
emaj-345	155	4	0.000	0.000	NUM
emaj-345	155	5	supported	support	VERB
emaj-345	155	6	h4	h4	PROPN
emaj-345	155	7	puat	puat	PART
emaj-345	155	8	0.687	0.687	NUM
emaj-345	155	9	9.038	9.038	NUM
emaj-345	155	10	0.000	0.000	NUM
emaj-345	155	11	supported	support	VERB
emaj-345	155	12	h5	h5	PROPN
emaj-345	155	13	ati	ati	PROPN
emaj-345	155	14	0.835	0.835	NUM
emaj-345	155	15	22.220	22.220	NUM
emaj-345	155	16	0.000	0.000	NUM
emaj-345	155	17	supported	support	VERB
emaj-345	155	18	source	source	NOUN
emaj-345	155	19	:	:	PUNCT
emaj-345	155	20	smart	smart	ADJ
emaj-345	155	21	pls	pls	NOUN
emaj-345	155	22	4	4	NUM
emaj-345	155	23	software	software	NOUN
emaj-345	155	24	output	output	NOUN
emaj-345	155	25	table	table	NOUN
emaj-345	155	26	3	3	NUM
emaj-345	155	27	presents	present	VERB
emaj-345	155	28	the	the	DET
emaj-345	155	29	results	result	NOUN
emaj-345	155	30	of	of	ADP
emaj-345	155	31	the	the	DET
emaj-345	155	32	hypotheses	hypothesis	NOUN
emaj-345	155	33	related	relate	VERB
emaj-345	155	34	to	to	ADP
emaj-345	155	35	the	the	DET
emaj-345	155	36	research	research	NOUN
emaj-345	155	37	model	model	NOUN
emaj-345	155	38	.	.	PUNCT
emaj-345	156	1	the	the	DET
emaj-345	156	2	lack	lack	NOUN
emaj-345	156	3	of	of	ADP
emaj-345	156	4	a	a	DET
emaj-345	156	5	significant	significant	ADJ
emaj-345	156	6	relationship	relationship	NOUN
emaj-345	156	7	between	between	ADP
emaj-345	156	8	r	r	NOUN
emaj-345	156	9	and	and	CCONJ
emaj-345	156	10	pu	pu	PROPN
emaj-345	156	11	could	could	AUX
emaj-345	156	12	be	be	AUX
emaj-345	156	13	attributed	attribute	VERB
emaj-345	156	14	to	to	ADP
emaj-345	156	15	the	the	DET
emaj-345	156	16	perception	perception	NOUN
emaj-345	156	17	of	of	ADP
emaj-345	156	18	the	the	DET
emaj-345	156	19	risk	risk	NOUN
emaj-345	156	20	factor	factor	NOUN
emaj-345	156	21	being	be	AUX
emaj-345	156	22	usage	usage	NOUN
emaj-345	156	23	-	-	PUNCT
emaj-345	156	24	oriented	orient	VERB
emaj-345	156	25	rather	rather	ADV
emaj-345	156	26	than	than	ADP
emaj-345	156	27	performance	performance	NOUN
emaj-345	156	28	-	-	PUNCT
emaj-345	156	29	oriented	orient	VERB
emaj-345	156	30	.	.	PUNCT
emaj-345	157	1	except	except	SCONJ
emaj-345	157	2	for	for	ADP
emaj-345	157	3	hypothesis	hypothesis	NOUN
emaj-345	157	4	h1	h1	PROPN
emaj-345	157	5	,	,	PUNCT
emaj-345	157	6	the	the	DET
emaj-345	157	7	other	other	ADJ
emaj-345	157	8	hypotheses	hypothesis	NOUN
emaj-345	157	9	have	have	AUX
emaj-345	157	10	been	be	AUX
emaj-345	157	11	accepted	accept	VERB
emaj-345	157	12	.	.	PUNCT
emaj-345	158	1	it	it	PRON
emaj-345	158	2	is	be	AUX
emaj-345	158	3	observed	observe	VERB
emaj-345	158	4	that	that	SCONJ
emaj-345	158	5	there	there	PRON
emaj-345	158	6	is	be	VERB
emaj-345	158	7	a	a	DET
emaj-345	158	8	high	high	ADJ
emaj-345	158	9	effect	effect	NOUN
emaj-345	158	10	between	between	ADP
emaj-345	158	11	attitude	attitude	NOUN
emaj-345	158	12	and	and	CCONJ
emaj-345	158	13	intention	intention	NOUN
emaj-345	158	14	.	.	PUNCT
emaj-345	159	1	in	in	ADP
emaj-345	159	2	this	this	DET
emaj-345	159	3	context	context	NOUN
emaj-345	159	4	,	,	PUNCT
emaj-345	159	5	supporting	support	VERB
emaj-345	159	6	a	a	DET
emaj-345	159	7	positive	positive	ADJ
emaj-345	159	8	perception	perception	NOUN
emaj-345	159	9	towards	towards	ADP
emaj-345	159	10	emoney	emoney	NOUN
emaj-345	159	11	applications	application	NOUN
emaj-345	159	12	is	be	AUX
emaj-345	159	13	crucial	crucial	ADJ
emaj-345	159	14	for	for	ADP
emaj-345	159	15	encouraging	encourage	VERB
emaj-345	159	16	usage	usage	NOUN
emaj-345	159	17	.	.	PUNCT
emaj-345	160	1	table	table	NOUN
emaj-345	160	2	4	4	NUM
emaj-345	160	3	:	:	PUNCT
emaj-345	160	4	r2	r2	PROPN
emaj-345	160	5	values	value	NOUN
emaj-345	160	6	source	source	NOUN
emaj-345	160	7	:	:	PUNCT
emaj-345	160	8	smart	smart	ADJ
emaj-345	160	9	pls	pls	NOUN
emaj-345	160	10	4	4	NUM
emaj-345	160	11	software	software	NOUN
emaj-345	160	12	output	output	NOUN
emaj-345	160	13	table	table	NOUN
emaj-345	160	14	4	4	NUM
emaj-345	160	15	presents	present	VERB
emaj-345	160	16	the	the	DET
emaj-345	160	17	r2	r2	PROPN
emaj-345	160	18	values	value	NOUN
emaj-345	160	19	.	.	PUNCT
emaj-345	161	1	upon	upon	SCONJ
emaj-345	161	2	examining	examine	VERB
emaj-345	161	3	the	the	DET
emaj-345	161	4	values	value	NOUN
emaj-345	161	5	,	,	PUNCT
emaj-345	161	6	it	it	PRON
emaj-345	161	7	is	be	AUX
emaj-345	161	8	important	important	ADJ
emaj-345	161	9	to	to	PART
emaj-345	161	10	note	note	VERB
emaj-345	161	11	that	that	SCONJ
emaj-345	161	12	the	the	DET
emaj-345	161	13	dependent	dependent	ADJ
emaj-345	161	14	variable	variable	NOUN
emaj-345	161	15	i	i	PRON
emaj-345	161	16	has	have	VERB
emaj-345	161	17	an	an	DET
emaj-345	161	18	r2	r2	NOUN
emaj-345	161	19	value	value	NOUN
emaj-345	161	20	close	close	ADV
emaj-345	161	21	to	to	ADP
emaj-345	161	22	0.7	0.7	NUM
emaj-345	161	23	.	.	PUNCT
emaj-345	162	1	this	this	PRON
emaj-345	162	2	indicates	indicate	VERB
emaj-345	162	3	a	a	DET
emaj-345	162	4	strong	strong	ADJ
emaj-345	162	5	percentage	percentage	NOUN
emaj-345	162	6	of	of	ADP
emaj-345	162	7	explanation	explanation	NOUN
emaj-345	162	8	.	.	PUNCT
emaj-345	163	1	a	a	DET
emaj-345	163	2	strong	strong	ADJ
emaj-345	163	3	r2	r2	NOUN
emaj-345	163	4	value	value	NOUN
emaj-345	163	5	is	be	AUX
emaj-345	163	6	an	an	DET
emaj-345	163	7	indicator	indicator	NOUN
emaj-345	163	8	that	that	SCONJ
emaj-345	163	9	the	the	DET
emaj-345	163	10	variables	variable	NOUN
emaj-345	163	11	are	be	AUX
emaj-345	163	12	added	add	VERB
emaj-345	163	13	correctly	correctly	ADV
emaj-345	163	14	to	to	ADP
emaj-345	163	15	the	the	DET
emaj-345	163	16	research	research	NOUN
emaj-345	163	17	model	model	NOUN
emaj-345	163	18	(	(	PUNCT
emaj-345	163	19	hair	hair	NOUN
emaj-345	163	20	et	et	NOUN
emaj-345	163	21	.	.	PUNCT
emaj-345	164	1	al	al	PROPN
emaj-345	164	2	.	.	PROPN
emaj-345	164	3	,	,	PUNCT
emaj-345	164	4	2011	2011	NUM
emaj-345	164	5	;	;	PUNCT
emaj-345	164	6	hair	hair	NOUN
emaj-345	164	7	et	et	PROPN
emaj-345	164	8	.	.	PUNCT
emaj-345	165	1	al	al	PROPN
emaj-345	165	2	.	.	PROPN
emaj-345	165	3	,	,	PUNCT
emaj-345	165	4	2019	2019	NUM
emaj-345	165	5	)	)	PUNCT
emaj-345	165	6	.	.	PUNCT
emaj-345	166	1	figure	figure	NOUN
emaj-345	166	2	2	2	NUM
emaj-345	166	3	.	.	PUNCT
emaj-345	166	4	research	research	NOUN
emaj-345	166	5	model	model	NOUN
emaj-345	166	6	outputs	output	NOUN
emaj-345	166	7	of	of	ADP
emaj-345	166	8	smart	smart	ADJ
emaj-345	166	9	pls	pls	NOUN
emaj-345	166	10	4	4	NUM
emaj-345	166	11	source	source	NOUN
emaj-345	166	12	:	:	PUNCT
emaj-345	166	13	smart	smart	ADJ
emaj-345	166	14	pls	pls	NOUN
emaj-345	166	15	4	4	NUM
emaj-345	166	16	software	software	NOUN
emaj-345	166	17	output	output	NOUN
emaj-345	166	18	items	item	NOUN
emaj-345	166	19	r²	r²	VERB
emaj-345	166	20	radj²	radj²	NOUN
emaj-345	166	21	at	at	ADP
emaj-345	166	22	0.472	0.472	NUM
emaj-345	166	23	0.466	0.466	NUM
emaj-345	166	24	i	i	PRON
emaj-345	166	25	0.697	0.697	NUM
emaj-345	166	26	0.693	0.693	NUM
emaj-345	166	27	peou	peou	ADV
emaj-345	166	28	0.117	0.117	NUM
emaj-345	166	29	0.107	0.107	NUM
emaj-345	166	30	pu	pu	PROPN
emaj-345	166	31	0.614	0.614	NUM
emaj-345	166	32	0.606	0.606	NUM
emaj-345	166	33	volume	volume	NOUN
emaj-345	166	34	14	14	NUM
emaj-345	166	35	no	no	DET
emaj-345	166	36	2	2	NUM
emaj-345	166	37	(	(	PUNCT
emaj-345	166	38	2024	2024	NUM
emaj-345	166	39	)	)	PUNCT
emaj-345	166	40	|	|	ADV
emaj-345	166	41	issn	issn	VERB
emaj-345	166	42	2158	2158	NUM
emaj-345	166	43	-	-	SYM
emaj-345	166	44	8708	8708	NUM
emaj-345	166	45	(	(	PUNCT
emaj-345	166	46	online	online	NOUN
emaj-345	166	47	)	)	PUNCT
emaj-345	166	48	|	|	ADV
emaj-345	166	49	doi	doi	X
emaj-345	166	50	10.5195	10.5195	NUM
emaj-345	166	51	/	/	SYM
emaj-345	166	52	emaj.2024.345	emaj.2024.345	PROPN
emaj-345	166	53	|	|	ADV
emaj-345	166	54	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-345	166	55	yavuz	yavuz	PROPN
emaj-345	166	56	toraman	toraman	NOUN
emaj-345	166	57	,	,	PUNCT
emaj-345	166	58	olcay	olcay	NOUN
emaj-345	166	59	ölçen	ölçen	NOUN
emaj-345	166	60	,	,	PUNCT
emaj-345	166	61	onur	onur	PROPN
emaj-345	166	62	ceylan	ceylan	NOUN
emaj-345	166	63	,	,	PUNCT
emaj-345	166	64	gizem	gizem	NOUN
emaj-345	166	65	mertoğlu	mertoğlu	NOUN
emaj-345	166	66	emerging	emerge	VERB
emaj-345	166	67	markets	market	NOUN
emaj-345	166	68	journal	journal	PROPN
emaj-345	166	69	page	page	NOUN
emaj-345	166	70	|21|	|21|	VERB
emaj-345	166	71	figure	figure	NOUN
emaj-345	166	72	2	2	NUM
emaj-345	166	73	displays	display	VERB
emaj-345	166	74	the	the	DET
emaj-345	166	75	analysis	analysis	NOUN
emaj-345	166	76	results	result	NOUN
emaj-345	166	77	of	of	ADP
emaj-345	166	78	the	the	DET
emaj-345	166	79	research	research	NOUN
emaj-345	166	80	model	model	NOUN
emaj-345	166	81	.	.	PUNCT
emaj-345	167	1	it	it	PRON
emaj-345	167	2	includes	include	VERB
emaj-345	167	3	the	the	DET
emaj-345	167	4	factor	factor	NOUN
emaj-345	167	5	loadings	loading	NOUN
emaj-345	167	6	of	of	ADP
emaj-345	167	7	the	the	DET
emaj-345	167	8	variables	variable	NOUN
emaj-345	167	9	,	,	PUNCT
emaj-345	167	10	t	t	NOUN
emaj-345	167	11	-	-	PUNCT
emaj-345	167	12	values	value	NOUN
emaj-345	167	13	,	,	PUNCT
emaj-345	167	14	path	path	NOUN
emaj-345	167	15	coefficients	coefficient	NOUN
emaj-345	167	16	between	between	ADP
emaj-345	167	17	hypotheses	hypothesis	NOUN
emaj-345	167	18	and	and	CCONJ
emaj-345	167	19	r2	r2	NOUN
emaj-345	167	20	values	value	NOUN
emaj-345	167	21	.	.	PUNCT
emaj-345	168	1	the	the	DET
emaj-345	168	2	outputs	output	NOUN
emaj-345	168	3	of	of	ADP
emaj-345	168	4	the	the	DET
emaj-345	168	5	research	research	NOUN
emaj-345	168	6	are	be	AUX
emaj-345	168	7	consolidated	consolidate	VERB
emaj-345	168	8	into	into	ADP
emaj-345	168	9	a	a	DET
emaj-345	168	10	single	single	ADJ
emaj-345	168	11	figure	figure	NOUN
emaj-345	168	12	.	.	PUNCT
emaj-345	169	1	vi	vi	X
emaj-345	169	2	.	.	NOUN
emaj-345	169	3	discussion	discussion	NOUN
emaj-345	169	4	and	and	CCONJ
emaj-345	169	5	conclusion	conclusion	VERB
emaj-345	169	6	the	the	DET
emaj-345	169	7	development	development	NOUN
emaj-345	169	8	of	of	ADP
emaj-345	169	9	technology	technology	NOUN
emaj-345	169	10	has	have	AUX
emaj-345	169	11	changed	change	VERB
emaj-345	169	12	past	past	ADJ
emaj-345	169	13	habits	habit	NOUN
emaj-345	169	14	in	in	ADP
emaj-345	169	15	many	many	ADJ
emaj-345	169	16	fields	field	NOUN
emaj-345	169	17	and	and	CCONJ
emaj-345	169	18	different	different	ADJ
emaj-345	169	19	sectors	sector	NOUN
emaj-345	169	20	.	.	PUNCT
emaj-345	170	1	manufacturers	manufacturer	NOUN
emaj-345	170	2	,	,	PUNCT
emaj-345	170	3	retailers	retailer	NOUN
emaj-345	170	4	,	,	PUNCT
emaj-345	170	5	customers	customer	NOUN
emaj-345	170	6	,	,	PUNCT
emaj-345	170	7	service	service	NOUN
emaj-345	170	8	providers	provider	NOUN
emaj-345	170	9	and	and	CCONJ
emaj-345	170	10	other	other	ADJ
emaj-345	170	11	supply	supply	NOUN
emaj-345	170	12	chain	chain	NOUN
emaj-345	170	13	members	member	NOUN
emaj-345	170	14	have	have	AUX
emaj-345	170	15	embraced	embrace	VERB
emaj-345	170	16	digitalization	digitalization	NOUN
emaj-345	170	17	throughout	throughout	ADP
emaj-345	170	18	the	the	DET
emaj-345	170	19	entire	entire	ADJ
emaj-345	170	20	process	process	NOUN
emaj-345	170	21	from	from	ADP
emaj-345	170	22	the	the	DET
emaj-345	170	23	supply	supply	NOUN
emaj-345	170	24	process	process	NOUN
emaj-345	170	25	to	to	ADP
emaj-345	170	26	product	product	NOUN
emaj-345	170	27	delivery	delivery	NOUN
emaj-345	170	28	,	,	PUNCT
emaj-345	170	29	aiming	aim	VERB
emaj-345	170	30	to	to	PART
emaj-345	170	31	ensure	ensure	VERB
emaj-345	170	32	product	product	NOUN
emaj-345	170	33	flow	flow	NOUN
emaj-345	170	34	and	and	CCONJ
emaj-345	170	35	customer	customer	NOUN
emaj-345	170	36	satisfaction	satisfaction	NOUN
emaj-345	170	37	.	.	PUNCT
emaj-345	171	1	this	this	DET
emaj-345	171	2	digitalization	digitalization	NOUN
emaj-345	171	3	process	process	NOUN
emaj-345	171	4	optimizes	optimize	VERB
emaj-345	171	5	product	product	NOUN
emaj-345	171	6	flow	flow	NOUN
emaj-345	171	7	within	within	ADP
emaj-345	171	8	the	the	DET
emaj-345	171	9	supply	supply	NOUN
emaj-345	171	10	chain	chain	NOUN
emaj-345	171	11	towards	towards	ADP
emaj-345	171	12	the	the	DET
emaj-345	171	13	final	final	ADJ
emaj-345	171	14	consumer	consumer	NOUN
emaj-345	171	15	point	point	NOUN
emaj-345	171	16	and	and	CCONJ
emaj-345	171	17	also	also	ADV
emaj-345	171	18	optimizes	optimize	VERB
emaj-345	171	19	information	information	NOUN
emaj-345	171	20	as	as	ADV
emaj-345	171	21	well	well	ADV
emaj-345	171	22	as	as	ADP
emaj-345	171	23	cash	cash	NOUN
emaj-345	171	24	flow	flow	NOUN
emaj-345	171	25	back	back	ADV
emaj-345	171	26	to	to	ADP
emaj-345	171	27	the	the	DET
emaj-345	171	28	origin	origin	NOUN
emaj-345	171	29	.	.	PUNCT
emaj-345	172	1	the	the	DET
emaj-345	172	2	use	use	NOUN
emaj-345	172	3	of	of	ADP
emaj-345	172	4	e	e	NOUN
emaj-345	172	5	-	-	NOUN
emaj-345	172	6	money	money	NOUN
emaj-345	172	7	in	in	ADP
emaj-345	172	8	supply	supply	NOUN
emaj-345	172	9	chain	chain	NOUN
emaj-345	172	10	finance	finance	NOUN
emaj-345	172	11	(	(	PUNCT
emaj-345	172	12	scf	scf	PROPN
emaj-345	172	13	)	)	PUNCT
emaj-345	172	14	activities	activity	NOUN
emaj-345	172	15	,	,	PUNCT
emaj-345	172	16	which	which	PRON
emaj-345	172	17	is	be	AUX
emaj-345	172	18	the	the	DET
emaj-345	172	19	main	main	ADJ
emaj-345	172	20	theme	theme	NOUN
emaj-345	172	21	of	of	ADP
emaj-345	172	22	the	the	DET
emaj-345	172	23	research	research	NOUN
emaj-345	172	24	,	,	PUNCT
emaj-345	172	25	has	have	AUX
emaj-345	172	26	been	be	AUX
emaj-345	172	27	emphasized	emphasize	VERB
emaj-345	172	28	.	.	PUNCT
emaj-345	173	1	while	while	SCONJ
emaj-345	173	2	traditional	traditional	ADJ
emaj-345	173	3	scf	scf	PROPN
emaj-345	173	4	methods	method	NOUN
emaj-345	173	5	such	such	ADJ
emaj-345	173	6	as	as	ADP
emaj-345	173	7	reverse	reverse	ADJ
emaj-345	173	8	factoring	factoring	NOUN
emaj-345	173	9	,	,	PUNCT
emaj-345	173	10	dynamic	dynamic	ADJ
emaj-345	173	11	discounting	discounting	NOUN
emaj-345	173	12	and	and	CCONJ
emaj-345	173	13	confirmation	confirmation	NOUN
emaj-345	173	14	are	be	AUX
emaj-345	173	15	typically	typically	ADV
emaj-345	173	16	used	use	VERB
emaj-345	173	17	in	in	ADP
emaj-345	173	18	supply	supply	NOUN
emaj-345	173	19	chain	chain	NOUN
emaj-345	173	20	management	management	NOUN
emaj-345	173	21	(	(	PUNCT
emaj-345	173	22	scm	scm	PROPN
emaj-345	173	23	)	)	PUNCT
emaj-345	173	24	,	,	PUNCT
emaj-345	173	25	recently	recently	ADV
emaj-345	173	26	,	,	PUNCT
emaj-345	173	27	buy	buy	VERB
emaj-345	173	28	now	now	ADV
emaj-345	173	29	pay	pay	VERB
emaj-345	173	30	later	later	ADV
emaj-345	173	31	(	(	PUNCT
emaj-345	173	32	bnpl	bnpl	NOUN
emaj-345	173	33	)	)	PUNCT
emaj-345	173	34	and	and	CCONJ
emaj-345	173	35	embedded	embed	VERB
emaj-345	173	36	finance	finance	NOUN
emaj-345	173	37	applications	application	NOUN
emaj-345	173	38	have	have	AUX
emaj-345	173	39	been	be	AUX
emaj-345	173	40	introduced	introduce	VERB
emaj-345	173	41	.	.	PUNCT
emaj-345	174	1	in	in	ADP
emaj-345	174	2	addition	addition	NOUN
emaj-345	174	3	,	,	PUNCT
emaj-345	174	4	new	new	ADJ
emaj-345	174	5	technologies	technology	NOUN
emaj-345	174	6	have	have	AUX
emaj-345	174	7	been	be	AUX
emaj-345	174	8	utilized	utilize	VERB
emaj-345	174	9	in	in	ADP
emaj-345	174	10	payment	payment	NOUN
emaj-345	174	11	methods	method	NOUN
emaj-345	174	12	,	,	PUNCT
emaj-345	174	13	including	include	VERB
emaj-345	174	14	contactless	contactless	ADJ
emaj-345	174	15	payment	payment	NOUN
emaj-345	174	16	,	,	PUNCT
emaj-345	174	17	fast	fast	ADV
emaj-345	174	18	,	,	PUNCT
emaj-345	174	19	e	e	NOUN
emaj-345	174	20	-	-	NOUN
emaj-345	174	21	wallet	wallet	NOUN
emaj-345	174	22	,	,	PUNCT
emaj-345	174	23	virtual	virtual	ADJ
emaj-345	174	24	pos	pos	NOUN
emaj-345	174	25	,	,	PUNCT
emaj-345	174	26	payment	payment	NOUN
emaj-345	174	27	via	via	ADP
emaj-345	174	28	nfc	nfc	NOUN
emaj-345	174	29	,	,	PUNCT
emaj-345	174	30	gift	gift	NOUN
emaj-345	174	31	card	card	NOUN
emaj-345	174	32	,	,	PUNCT
emaj-345	174	33	qr	qr	PROPN
emaj-345	174	34	code	code	PROPN
emaj-345	174	35	,	,	PUNCT
emaj-345	174	36	digital	digital	ADJ
emaj-345	174	37	currency	currency	NOUN
emaj-345	174	38	,	,	PUNCT
emaj-345	174	39	cryptocurrency	cryptocurrency	NOUN
emaj-345	174	40	,	,	PUNCT
emaj-345	174	41	e	e	NOUN
emaj-345	174	42	-	-	NOUN
emaj-345	174	43	money	money	NOUN
emaj-345	174	44	,	,	PUNCT
emaj-345	174	45	etc	etc	X
emaj-345	174	46	.	.	X
emaj-345	174	47	,	,	PUNCT
emaj-345	174	48	which	which	PRON
emaj-345	174	49	have	have	AUX
emaj-345	174	50	been	be	AUX
emaj-345	174	51	made	make	VERB
emaj-345	174	52	available	available	ADJ
emaj-345	174	53	to	to	ADP
emaj-345	174	54	consumers	consumer	NOUN
emaj-345	174	55	.	.	PUNCT
emaj-345	175	1	the	the	DET
emaj-345	175	2	research	research	NOUN
emaj-345	175	3	specifically	specifically	ADV
emaj-345	175	4	examines	examine	VERB
emaj-345	175	5	the	the	DET
emaj-345	175	6	role	role	NOUN
emaj-345	175	7	of	of	ADP
emaj-345	175	8	emoney	emoney	PROPN
emaj-345	175	9	and	and	CCONJ
emaj-345	175	10	scf	scf	PROPN
emaj-345	175	11	optimization	optimization	NOUN
emaj-345	175	12	.	.	PUNCT
emaj-345	176	1	e	e	X
emaj-345	176	2	-	-	NOUN
emaj-345	176	3	money	money	NOUN
emaj-345	176	4	can	can	AUX
emaj-345	176	5	be	be	AUX
emaj-345	176	6	used	use	VERB
emaj-345	176	7	for	for	ADP
emaj-345	176	8	payments	payment	NOUN
emaj-345	176	9	from	from	ADP
emaj-345	176	10	virtual	virtual	ADJ
emaj-345	176	11	or	or	CCONJ
emaj-345	176	12	physical	physical	ADJ
emaj-345	176	13	accounts	account	NOUN
emaj-345	176	14	or	or	CCONJ
emaj-345	176	15	cards	card	NOUN
emaj-345	176	16	,	,	PUNCT
emaj-345	176	17	up	up	ADP
emaj-345	176	18	to	to	ADP
emaj-345	176	19	the	the	DET
emaj-345	176	20	sum	sum	NOUN
emaj-345	176	21	of	of	ADP
emaj-345	176	22	funds	fund	NOUN
emaj-345	176	23	available	available	ADJ
emaj-345	176	24	.	.	PUNCT
emaj-345	177	1	however	however	ADV
emaj-345	177	2	,	,	PUNCT
emaj-345	177	3	for	for	SCONJ
emaj-345	177	4	it	it	PRON
emaj-345	177	5	to	to	PART
emaj-345	177	6	be	be	AUX
emaj-345	177	7	used	use	VERB
emaj-345	177	8	in	in	ADP
emaj-345	177	9	payments	payment	NOUN
emaj-345	177	10	,	,	PUNCT
emaj-345	177	11	the	the	DET
emaj-345	177	12	monetary	monetary	ADJ
emaj-345	177	13	value	value	NOUN
emaj-345	177	14	to	to	PART
emaj-345	177	15	be	be	AUX
emaj-345	177	16	used	use	VERB
emaj-345	177	17	must	must	AUX
emaj-345	177	18	be	be	AUX
emaj-345	177	19	loaded	load	VERB
emaj-345	177	20	onto	onto	ADP
emaj-345	177	21	physical	physical	ADJ
emaj-345	177	22	cards	card	NOUN
emaj-345	177	23	or	or	CCONJ
emaj-345	177	24	virtual	virtual	ADJ
emaj-345	177	25	accounts	account	NOUN
emaj-345	177	26	beforehand	beforehand	ADV
emaj-345	177	27	.	.	PUNCT
emaj-345	178	1	this	this	PRON
emaj-345	178	2	is	be	AUX
emaj-345	178	3	precisely	precisely	ADV
emaj-345	178	4	the	the	DET
emaj-345	178	5	point	point	NOUN
emaj-345	178	6	emphasized	emphasize	VERB
emaj-345	178	7	in	in	ADP
emaj-345	178	8	the	the	DET
emaj-345	178	9	research	research	NOUN
emaj-345	178	10	,	,	PUNCT
emaj-345	178	11	as	as	SCONJ
emaj-345	178	12	customers	customer	NOUN
emaj-345	178	13	must	must	AUX
emaj-345	178	14	allocate	allocate	VERB
emaj-345	178	15	a	a	DET
emaj-345	178	16	certain	certain	ADJ
emaj-345	178	17	amount	amount	NOUN
emaj-345	178	18	of	of	ADP
emaj-345	178	19	funds	fund	NOUN
emaj-345	178	20	to	to	ADP
emaj-345	178	21	retailers	retailer	NOUN
emaj-345	178	22	for	for	ADP
emaj-345	178	23	e	e	NOUN
emaj-345	178	24	-	-	NOUN
emaj-345	178	25	money	money	NOUN
emaj-345	178	26	before	before	ADP
emaj-345	178	27	making	make	VERB
emaj-345	178	28	a	a	DET
emaj-345	178	29	purchase	purchase	NOUN
emaj-345	178	30	.	.	PUNCT
emaj-345	179	1	during	during	ADP
emaj-345	179	2	this	this	DET
emaj-345	179	3	period	period	NOUN
emaj-345	179	4	,	,	PUNCT
emaj-345	179	5	the	the	DET
emaj-345	179	6	use	use	NOUN
emaj-345	179	7	of	of	ADP
emaj-345	179	8	the	the	DET
emaj-345	179	9	allocated	allocate	VERB
emaj-345	179	10	funds	fund	NOUN
emaj-345	179	11	is	be	AUX
emaj-345	179	12	under	under	ADP
emaj-345	179	13	the	the	DET
emaj-345	179	14	control	control	NOUN
emaj-345	179	15	of	of	ADP
emaj-345	179	16	the	the	DET
emaj-345	179	17	retailers	retailer	NOUN
emaj-345	179	18	until	until	SCONJ
emaj-345	179	19	the	the	DET
emaj-345	179	20	purchase	purchase	NOUN
emaj-345	179	21	is	be	AUX
emaj-345	179	22	made	make	VERB
emaj-345	179	23	at	at	ADP
emaj-345	179	24	the	the	DET
emaj-345	179	25	retail	retail	ADJ
emaj-345	179	26	outlets	outlet	NOUN
emaj-345	179	27	.	.	PUNCT
emaj-345	180	1	retailers	retailer	NOUN
emaj-345	180	2	can	can	AUX
emaj-345	180	3	manage	manage	VERB
emaj-345	180	4	the	the	DET
emaj-345	180	5	flow	flow	NOUN
emaj-345	180	6	of	of	ADP
emaj-345	180	7	funds	fund	NOUN
emaj-345	180	8	obtained	obtain	VERB
emaj-345	180	9	before	before	ADP
emaj-345	180	10	the	the	DET
emaj-345	180	11	sale	sale	NOUN
emaj-345	180	12	among	among	ADP
emaj-345	180	13	the	the	DET
emaj-345	180	14	supply	supply	NOUN
emaj-345	180	15	chain	chain	NOUN
emaj-345	180	16	stakeholders	stakeholder	NOUN
emaj-345	180	17	.	.	PUNCT
emaj-345	181	1	this	this	DET
emaj-345	181	2	situation	situation	NOUN
emaj-345	181	3	is	be	AUX
emaj-345	181	4	an	an	DET
emaj-345	181	5	important	important	ADJ
emaj-345	181	6	alternative	alternative	NOUN
emaj-345	181	7	in	in	ADP
emaj-345	181	8	terms	term	NOUN
emaj-345	181	9	of	of	ADP
emaj-345	181	10	cash	cash	NOUN
emaj-345	181	11	flows	flow	NOUN
emaj-345	181	12	.	.	PUNCT
emaj-345	182	1	the	the	DET
emaj-345	182	2	research	research	NOUN
emaj-345	182	3	investigates	investigate	VERB
emaj-345	182	4	the	the	DET
emaj-345	182	5	factors	factor	NOUN
emaj-345	182	6	influencing	influence	VERB
emaj-345	182	7	user	user	NOUN
emaj-345	182	8	adaptation	adaptation	NOUN
emaj-345	182	9	of	of	ADP
emaj-345	182	10	e	e	NOUN
emaj-345	182	11	-	-	NOUN
emaj-345	182	12	money	money	NOUN
emaj-345	182	13	in	in	ADP
emaj-345	182	14	payments	payment	NOUN
emaj-345	182	15	.	.	PUNCT
emaj-345	183	1	ensuring	ensure	VERB
emaj-345	183	2	cash	cash	NOUN
emaj-345	183	3	flow	flow	NOUN
emaj-345	183	4	within	within	ADP
emaj-345	183	5	the	the	DET
emaj-345	183	6	supply	supply	NOUN
emaj-345	183	7	chain	chain	NOUN
emaj-345	183	8	is	be	AUX
emaj-345	183	9	not	not	PART
emaj-345	183	10	overly	overly	ADV
emaj-345	183	11	complex	complex	ADJ
emaj-345	183	12	.	.	PUNCT
emaj-345	184	1	however	however	ADV
emaj-345	184	2	,	,	PUNCT
emaj-345	184	3	accessing	access	VERB
emaj-345	184	4	cash	cash	NOUN
emaj-345	184	5	during	during	ADP
emaj-345	184	6	periods	period	NOUN
emaj-345	184	7	of	of	ADP
emaj-345	184	8	high	high	ADJ
emaj-345	184	9	interest	interest	NOUN
emaj-345	184	10	rates	rate	NOUN
emaj-345	184	11	is	be	AUX
emaj-345	184	12	both	both	PRON
emaj-345	184	13	difficult	difficult	ADJ
emaj-345	184	14	and	and	CCONJ
emaj-345	184	15	costly	costly	ADJ
emaj-345	184	16	.	.	PUNCT
emaj-345	185	1	it	it	PRON
emaj-345	185	2	is	be	AUX
emaj-345	185	3	crucial	crucial	ADJ
emaj-345	185	4	for	for	ADP
emaj-345	185	5	the	the	DET
emaj-345	185	6	funds	fund	NOUN
emaj-345	185	7	obtained	obtain	VERB
emaj-345	185	8	through	through	ADP
emaj-345	185	9	the	the	DET
emaj-345	185	10	use	use	NOUN
emaj-345	185	11	of	of	ADP
emaj-345	185	12	e	e	NOUN
emaj-345	185	13	-	-	NOUN
emaj-345	185	14	money	money	NOUN
emaj-345	185	15	to	to	PART
emaj-345	185	16	be	be	AUX
emaj-345	185	17	used	use	VERB
emaj-345	185	18	among	among	ADP
emaj-345	185	19	supply	supply	NOUN
emaj-345	185	20	chain	chain	NOUN
emaj-345	185	21	stakeholders	stakeholder	NOUN
emaj-345	185	22	.	.	PUNCT
emaj-345	186	1	in	in	ADP
emaj-345	186	2	this	this	DET
emaj-345	186	3	context	context	NOUN
emaj-345	186	4	,	,	PUNCT
emaj-345	186	5	the	the	DET
emaj-345	186	6	technology	technology	NOUN
emaj-345	186	7	acceptance	acceptance	NOUN
emaj-345	186	8	model	model	NOUN
emaj-345	186	9	(	(	PUNCT
emaj-345	186	10	tam	tam	PROPN
emaj-345	186	11	)	)	PUNCT
emaj-345	186	12	,	,	PUNCT
emaj-345	186	13	commonly	commonly	ADV
emaj-345	186	14	used	use	VERB
emaj-345	186	15	in	in	ADP
emaj-345	186	16	the	the	DET
emaj-345	186	17	acceptance	acceptance	NOUN
emaj-345	186	18	of	of	ADP
emaj-345	186	19	new	new	ADJ
emaj-345	186	20	technologies	technology	NOUN
emaj-345	186	21	,	,	PUNCT
emaj-345	186	22	has	have	AUX
emaj-345	186	23	also	also	ADV
emaj-345	186	24	been	be	AUX
emaj-345	186	25	employed	employ	VERB
emaj-345	186	26	in	in	ADP
emaj-345	186	27	the	the	DET
emaj-345	186	28	process	process	NOUN
emaj-345	186	29	of	of	ADP
emaj-345	186	30	accepting	accept	VERB
emaj-345	186	31	e	e	NOUN
emaj-345	186	32	-	-	NOUN
emaj-345	186	33	money	money	NOUN
emaj-345	186	34	in	in	ADP
emaj-345	186	35	retail	retail	ADJ
emaj-345	186	36	payments	payment	NOUN
emaj-345	186	37	.	.	PUNCT
emaj-345	187	1	as	as	SCONJ
emaj-345	187	2	can	can	AUX
emaj-345	187	3	be	be	AUX
emaj-345	187	4	seen	see	VERB
emaj-345	187	5	in	in	ADP
emaj-345	187	6	table	table	NOUN
emaj-345	187	7	3	3	NUM
emaj-345	187	8	and	and	CCONJ
emaj-345	187	9	figure	figure	NOUN
emaj-345	187	10	2	2	NUM
emaj-345	187	11	,	,	PUNCT
emaj-345	187	12	the	the	DET
emaj-345	187	13	results	result	NOUN
emaj-345	187	14	of	of	ADP
emaj-345	187	15	the	the	DET
emaj-345	187	16	research	research	NOUN
emaj-345	187	17	are	be	AUX
emaj-345	187	18	consistent	consistent	ADJ
emaj-345	187	19	with	with	ADP
emaj-345	187	20	the	the	DET
emaj-345	187	21	literature	literature	NOUN
emaj-345	187	22	.	.	PUNCT
emaj-345	188	1	except	except	SCONJ
emaj-345	188	2	for	for	ADP
emaj-345	188	3	hypothesis	hypothesis	NOUN
emaj-345	188	4	h1	h1	NOUN
emaj-345	188	5	,	,	PUNCT
emaj-345	188	6	all	all	DET
emaj-345	188	7	other	other	ADJ
emaj-345	188	8	hypotheses	hypothesis	NOUN
emaj-345	188	9	were	be	AUX
emaj-345	188	10	accepted	accept	VERB
emaj-345	188	11	.	.	PUNCT
emaj-345	189	1	while	while	SCONJ
emaj-345	189	2	there	there	PRON
emaj-345	189	3	was	be	VERB
emaj-345	189	4	a	a	DET
emaj-345	189	5	significant	significant	ADJ
emaj-345	189	6	relationship	relationship	NOUN
emaj-345	189	7	between	between	ADP
emaj-345	189	8	e	e	NOUN
emaj-345	189	9	and	and	CCONJ
emaj-345	189	10	peou	peou	ADV
emaj-345	189	11	,	,	PUNCT
emaj-345	189	12	the	the	DET
emaj-345	189	13	lack	lack	NOUN
emaj-345	189	14	of	of	ADP
emaj-345	189	15	a	a	DET
emaj-345	189	16	significant	significant	ADJ
emaj-345	189	17	relationship	relationship	NOUN
emaj-345	189	18	with	with	ADP
emaj-345	189	19	pu	pu	PROPN
emaj-345	189	20	could	could	AUX
emaj-345	189	21	be	be	AUX
emaj-345	189	22	due	due	ADJ
emaj-345	189	23	to	to	ADP
emaj-345	189	24	the	the	DET
emaj-345	189	25	perception	perception	NOUN
emaj-345	189	26	of	of	ADP
emaj-345	189	27	risk	risk	NOUN
emaj-345	189	28	being	be	AUX
emaj-345	189	29	usage	usage	NOUN
emaj-345	189	30	-	-	PUNCT
emaj-345	189	31	oriented	orient	VERB
emaj-345	189	32	rather	rather	ADV
emaj-345	189	33	than	than	ADP
emaj-345	189	34	performance	performance	NOUN
emaj-345	189	35	-	-	PUNCT
emaj-345	189	36	oriented	orient	VERB
emaj-345	189	37	(	(	PUNCT
emaj-345	189	38	davis	davis	PROPN
emaj-345	189	39	&	&	CCONJ
emaj-345	189	40	venkatesh	venkatesh	PROPN
emaj-345	189	41	,	,	PUNCT
emaj-345	189	42	1996	1996	NUM
emaj-345	189	43	)	)	PUNCT
emaj-345	189	44	.	.	PUNCT
emaj-345	190	1	the	the	DET
emaj-345	190	2	significant	significant	ADJ
emaj-345	190	3	and	and	CCONJ
emaj-345	190	4	positive	positive	ADJ
emaj-345	190	5	effect	effect	NOUN
emaj-345	190	6	of	of	ADP
emaj-345	190	7	pu	pu	PROPN
emaj-345	190	8	on	on	ADP
emaj-345	190	9	at	at	ADP
emaj-345	190	10	and	and	CCONJ
emaj-345	190	11	of	of	ADP
emaj-345	190	12	at	at	ADP
emaj-345	190	13	on	on	ADP
emaj-345	190	14	i	i	PRON
emaj-345	190	15	are	be	AUX
emaj-345	190	16	among	among	ADP
emaj-345	190	17	the	the	DET
emaj-345	190	18	important	important	ADJ
emaj-345	190	19	findings	finding	NOUN
emaj-345	190	20	of	of	ADP
emaj-345	190	21	the	the	DET
emaj-345	190	22	study	study	NOUN
emaj-345	190	23	.	.	PUNCT
emaj-345	191	1	additionally	additionally	ADV
emaj-345	191	2	,	,	PUNCT
emaj-345	191	3	the	the	DET
emaj-345	191	4	r2	r2	PROPN
emaj-345	191	5	values	value	NOUN
emaj-345	191	6	being	be	AUX
emaj-345	191	7	close	close	ADJ
emaj-345	191	8	to	to	ADP
emaj-345	191	9	0.70	0.70	NUM
emaj-345	191	10	indicate	indicate	VERB
emaj-345	191	11	a	a	DET
emaj-345	191	12	strong	strong	ADJ
emaj-345	191	13	percentage	percentage	NOUN
emaj-345	191	14	of	of	ADP
emaj-345	191	15	explanation	explanation	NOUN
emaj-345	191	16	.	.	PUNCT
emaj-345	192	1	finally	finally	ADV
emaj-345	192	2	,	,	PUNCT
emaj-345	192	3	with	with	ADP
emaj-345	192	4	the	the	DET
emaj-345	192	5	increasing	increase	VERB
emaj-345	192	6	use	use	NOUN
emaj-345	192	7	of	of	ADP
emaj-345	192	8	e	e	NOUN
emaj-345	192	9	-	-	NOUN
emaj-345	192	10	money	money	NOUN
emaj-345	192	11	in	in	ADP
emaj-345	192	12	the	the	DET
emaj-345	192	13	future	future	NOUN
emaj-345	192	14	,	,	PUNCT
emaj-345	192	15	the	the	DET
emaj-345	192	16	scope	scope	NOUN
emaj-345	192	17	of	of	ADP
emaj-345	192	18	the	the	DET
emaj-345	192	19	current	current	ADJ
emaj-345	192	20	research	research	NOUN
emaj-345	192	21	can	can	AUX
emaj-345	192	22	be	be	AUX
emaj-345	192	23	expanded	expand	VERB
emaj-345	192	24	and	and	CCONJ
emaj-345	192	25	repeated	repeat	VERB
emaj-345	192	26	with	with	ADP
emaj-345	192	27	different	different	ADJ
emaj-345	192	28	models	model	NOUN
emaj-345	192	29	and	and	CCONJ
emaj-345	192	30	samples	sample	NOUN
emaj-345	192	31	.	.	PUNCT
emaj-345	193	1	it	it	PRON
emaj-345	193	2	is	be	AUX
emaj-345	193	3	believed	believe	VERB
emaj-345	193	4	that	that	SCONJ
emaj-345	193	5	the	the	DET
emaj-345	193	6	results	result	NOUN
emaj-345	193	7	obtained	obtain	VERB
emaj-345	193	8	will	will	AUX
emaj-345	193	9	benefit	benefit	VERB
emaj-345	193	10	many	many	ADJ
emaj-345	193	11	sectors	sector	NOUN
emaj-345	193	12	,	,	PUNCT
emaj-345	193	13	especially	especially	ADV
emaj-345	193	14	retail	retail	ADJ
emaj-345	193	15	and	and	CCONJ
emaj-345	193	16	finance	finance	NOUN
emaj-345	193	17	.	.	PUNCT
emaj-345	194	1	particularly	particularly	ADV
emaj-345	194	2	during	during	ADP
emaj-345	194	3	periods	period	NOUN
emaj-345	194	4	of	of	ADP
emaj-345	194	5	high	high	ADJ
emaj-345	194	6	interest	interest	NOUN
emaj-345	194	7	rates	rate	NOUN
emaj-345	194	8	and	and	CCONJ
emaj-345	194	9	market	market	NOUN
emaj-345	194	10	stagnation	stagnation	NOUN
emaj-345	194	11	,	,	PUNCT
emaj-345	194	12	the	the	DET
emaj-345	194	13	use	use	NOUN
emaj-345	194	14	of	of	ADP
emaj-345	194	15	alternative	alternative	ADJ
emaj-345	194	16	financing	financing	NOUN
emaj-345	194	17	methods	method	NOUN
emaj-345	194	18	is	be	AUX
emaj-345	194	19	important	important	ADJ
emaj-345	194	20	.	.	PUNCT
emaj-345	195	1	the	the	DET
emaj-345	195	2	challenges	challenge	NOUN
emaj-345	195	3	faced	face	VERB
emaj-345	195	4	by	by	ADP
emaj-345	195	5	companies	company	NOUN
emaj-345	195	6	in	in	ADP
emaj-345	195	7	their	their	PRON
emaj-345	195	8	financing	financing	NOUN
emaj-345	195	9	processes	process	NOUN
emaj-345	195	10	were	be	AUX
emaj-345	195	11	addressed	address	VERB
emaj-345	195	12	in	in	ADP
emaj-345	195	13	the	the	DET
emaj-345	195	14	current	current	ADJ
emaj-345	195	15	research	research	NOUN
emaj-345	195	16	.	.	PUNCT
emaj-345	196	1	although	although	SCONJ
emaj-345	196	2	limited	limit	VERB
emaj-345	196	3	,	,	PUNCT
emaj-345	196	4	the	the	DET
emaj-345	196	5	use	use	NOUN
emaj-345	196	6	of	of	ADP
emaj-345	196	7	e	e	NOUN
emaj-345	196	8	-	-	NOUN
emaj-345	196	9	money	money	NOUN
emaj-345	196	10	can	can	AUX
emaj-345	196	11	have	have	VERB
emaj-345	196	12	a	a	DET
emaj-345	196	13	positive	positive	ADJ
emaj-345	196	14	impact	impact	NOUN
emaj-345	196	15	on	on	ADP
emaj-345	196	16	these	these	DET
emaj-345	196	17	processes	process	NOUN
emaj-345	196	18	.	.	PUNCT
emaj-345	197	1	during	during	ADP
emaj-345	197	2	periods	period	NOUN
emaj-345	197	3	of	of	ADP
emaj-345	197	4	high	high	ADJ
emaj-345	197	5	interest	interest	NOUN
emaj-345	197	6	rates	rate	NOUN
emaj-345	197	7	,	,	PUNCT
emaj-345	197	8	companies	company	NOUN
emaj-345	197	9	'	'	PART
emaj-345	197	10	marketing	marketing	NOUN
emaj-345	197	11	and	and	CCONJ
emaj-345	197	12	financial	financial	ADJ
emaj-345	197	13	activities	activity	NOUN
emaj-345	197	14	can	can	AUX
emaj-345	197	15	be	be	AUX
emaj-345	197	16	managed	manage	VERB
emaj-345	197	17	from	from	ADP
emaj-345	197	18	a	a	DET
emaj-345	197	19	single	single	ADJ
emaj-345	197	20	point	point	NOUN
emaj-345	197	21	.	.	PUNCT
emaj-345	198	1	this	this	PRON
emaj-345	198	2	can	can	AUX
emaj-345	198	3	be	be	AUX
emaj-345	198	4	turned	turn	VERB
emaj-345	198	5	into	into	ADP
emaj-345	198	6	a	a	DET
emaj-345	198	7	positive	positive	ADJ
emaj-345	198	8	process	process	NOUN
emaj-345	198	9	by	by	ADP
emaj-345	198	10	both	both	DET
emaj-345	198	11	retailers	retailer	NOUN
emaj-345	198	12	and	and	CCONJ
emaj-345	198	13	consumers	consumer	NOUN
emaj-345	198	14	.	.	PUNCT
emaj-345	199	1	with	with	ADP
emaj-345	199	2	the	the	DET
emaj-345	199	3	use	use	NOUN
emaj-345	199	4	of	of	ADP
emaj-345	199	5	e	e	NOUN
emaj-345	199	6	-	-	NOUN
emaj-345	199	7	money	money	NOUN
emaj-345	199	8	,	,	PUNCT
emaj-345	199	9	retailers	retailer	NOUN
emaj-345	199	10	can	can	AUX
emaj-345	199	11	optimize	optimize	VERB
emaj-345	199	12	their	their	PRON
emaj-345	199	13	scf	scf	NOUN
emaj-345	199	14	activities	activity	NOUN
emaj-345	199	15	and	and	CCONJ
emaj-345	199	16	offer	offer	VERB
emaj-345	199	17	consumers	consumer	NOUN
emaj-345	199	18	advantageous	advantageous	ADJ
emaj-345	199	19	prices	price	NOUN
emaj-345	199	20	through	through	ADP
emaj-345	199	21	discounts	discount	NOUN
emaj-345	199	22	and	and	CCONJ
emaj-345	199	23	various	various	ADJ
emaj-345	199	24	promotions	promotion	NOUN
emaj-345	199	25	.	.	PUNCT
emaj-345	200	1	references	reference	NOUN
emaj-345	200	2	alnıpak	alnıpak	PROPN
emaj-345	200	3	,	,	PUNCT
emaj-345	200	4	s.	s.	PROPN
emaj-345	200	5	,	,	PUNCT
emaj-345	200	6	toraman	toraman	NOUN
emaj-345	200	7	,	,	PUNCT
emaj-345	200	8	y.	y.	PROPN
emaj-345	200	9	(	(	PUNCT
emaj-345	200	10	2024	2024	NUM
emaj-345	200	11	)	)	PUNCT
emaj-345	200	12	.	.	PUNCT
emaj-345	201	1	analysing	analyse	VERB
emaj-345	201	2	the	the	DET
emaj-345	201	3	intention	intention	NOUN
emaj-345	201	4	to	to	PART
emaj-345	201	5	use	use	VERB
emaj-345	201	6	blockchain	blockchain	PROPN
emaj-345	201	7	technology	technology	NOUN
emaj-345	201	8	in	in	ADP
emaj-345	201	9	payment	payment	NOUN
emaj-345	201	10	transactions	transaction	NOUN
emaj-345	201	11	of	of	ADP
emaj-345	201	12	turkish	turkish	ADJ
emaj-345	201	13	maritime	maritime	ADJ
emaj-345	201	14	industry	industry	NOUN
emaj-345	201	15	.	.	PUNCT
emaj-345	202	1	quality	quality	NOUN
emaj-345	202	2	&	&	CCONJ
emaj-345	202	3	quantity	quantity	NOUN
emaj-345	202	4	,	,	PUNCT
emaj-345	202	5	58(3	58(3	NUM
emaj-345	202	6	)	)	PUNCT
emaj-345	202	7	,	,	PUNCT
emaj-345	202	8	21032123	21032123	NUM
emaj-345	202	9	.	.	PUNCT
emaj-345	203	1	davis	davis	PROPN
emaj-345	203	2	,	,	PUNCT
emaj-345	203	3	f.	f.	PROPN
emaj-345	203	4	d.	d.	PROPN
emaj-345	203	5	,	,	PUNCT
emaj-345	203	6	venkatesh	venkatesh	PROPN
emaj-345	203	7	,	,	PUNCT
emaj-345	203	8	v.	v.	PROPN
emaj-345	203	9	(	(	PUNCT
emaj-345	203	10	1996	1996	NUM
emaj-345	203	11	)	)	PUNCT
emaj-345	203	12	.	.	PUNCT
emaj-345	204	1	a	a	DET
emaj-345	204	2	critical	critical	ADJ
emaj-345	204	3	assessment	assessment	NOUN
emaj-345	204	4	of	of	ADP
emaj-345	204	5	potential	potential	ADJ
emaj-345	204	6	measurement	measurement	NOUN
emaj-345	204	7	biases	bias	NOUN
emaj-345	204	8	in	in	ADP
emaj-345	204	9	the	the	DET
emaj-345	204	10	technology	technology	NOUN
emaj-345	204	11	acceptance	acceptance	NOUN
emaj-345	204	12	model	model	NOUN
emaj-345	204	13	:	:	PUNCT
emaj-345	204	14	three	three	NUM
emaj-345	204	15	experiments	experiment	NOUN
emaj-345	204	16	.	.	PUNCT
emaj-345	205	1	international	international	ADJ
emaj-345	205	2	journal	journal	PROPN
emaj-345	205	3	of	of	ADP
emaj-345	205	4	humancomputer	humancomputer	PROPN
emaj-345	205	5	studies	study	NOUN
emaj-345	205	6	,	,	PUNCT
emaj-345	205	7	45(1	45(1	NOUN
emaj-345	205	8	)	)	PUNCT
emaj-345	205	9	,	,	PUNCT
emaj-345	205	10	19	19	NUM
emaj-345	205	11	-	-	SYM
emaj-345	205	12	45	45	NUM
emaj-345	205	13	.	.	PUNCT
emaj-345	206	1	gelsin	gelsin	PROPN
emaj-345	206	2	,	,	PUNCT
emaj-345	206	3	l.	l.	PROPN
emaj-345	206	4	m.	m.	PROPN
emaj-345	206	5	,	,	PUNCT
emaj-345	206	6	de	de	PROPN
emaj-345	206	7	boer	boer	PROPN
emaj-345	206	8	,	,	PUNCT
emaj-345	206	9	r.	r.	PROPN
emaj-345	206	10	,	,	PUNCT
emaj-345	206	11	steeman	steeman	NOUN
emaj-345	206	12	,	,	PUNCT
emaj-345	206	13	m.	m.	NOUN
emaj-345	206	14	,	,	PUNCT
emaj-345	206	15	perego	perego	NOUN
emaj-345	206	16	,	,	PUNCT
emaj-345	206	17	a.	a.	NOUN
emaj-345	206	18	(	(	PUNCT
emaj-345	206	19	2019	2019	NUM
emaj-345	206	20	)	)	PUNCT
emaj-345	206	21	.	.	PUNCT
emaj-345	207	1	an	an	DET
emaj-345	207	2	optimisation	optimisation	NOUN
emaj-345	207	3	strategy	strategy	NOUN
emaj-345	207	4	for	for	ADP
emaj-345	207	5	concurrent	concurrent	ADJ
emaj-345	207	6	supply	supply	NOUN
emaj-345	207	7	chain	chain	NOUN
emaj-345	207	8	finance	finance	NOUN
emaj-345	207	9	schemes	scheme	NOUN
emaj-345	207	10	.	.	PUNCT
emaj-345	208	1	journal	journal	NOUN
emaj-345	208	2	of	of	ADP
emaj-345	208	3	purchasing	purchasing	NOUN
emaj-345	208	4	and	and	CCONJ
emaj-345	208	5	supply	supply	NOUN
emaj-345	208	6	management	management	NOUN
emaj-345	208	7	,	,	PUNCT
emaj-345	208	8	25(2	25(2	NUM
emaj-345	208	9	)	)	PUNCT
emaj-345	208	10	,	,	PUNCT
emaj-345	208	11	185	185	NUM
emaj-345	208	12	-	-	SYM
emaj-345	208	13	196	196	NUM
emaj-345	208	14	.	.	PUNCT
emaj-345	209	1	gelsomino	gelsomino	PROPN
emaj-345	209	2	,	,	PUNCT
emaj-345	209	3	l.	l.	PROPN
emaj-345	209	4	m.	m.	PROPN
emaj-345	209	5	,	,	PUNCT
emaj-345	209	6	de	de	PROPN
emaj-345	209	7	boer	boer	PROPN
emaj-345	209	8	,	,	PUNCT
emaj-345	209	9	r.	r.	PROPN
emaj-345	209	10	,	,	PUNCT
emaj-345	209	11	steeman	steeman	NOUN
emaj-345	209	12	,	,	PUNCT
emaj-345	209	13	m.	m.	NOUN
emaj-345	209	14	,	,	PUNCT
emaj-345	209	15	perego	perego	NOUN
emaj-345	209	16	,	,	PUNCT
emaj-345	209	17	a.	a.	NOUN
emaj-345	209	18	(	(	PUNCT
emaj-345	209	19	2019	2019	NUM
emaj-345	209	20	)	)	PUNCT
emaj-345	209	21	.	.	PUNCT
emaj-345	210	1	an	an	DET
emaj-345	210	2	optimisation	optimisation	NOUN
emaj-345	210	3	strategy	strategy	NOUN
emaj-345	210	4	for	for	ADP
emaj-345	210	5	concurrent	concurrent	ADJ
emaj-345	210	6	supply	supply	NOUN
emaj-345	210	7	chain	chain	NOUN
emaj-345	210	8	finance	finance	NOUN
emaj-345	210	9	schemes	scheme	NOUN
emaj-345	210	10	.	.	PUNCT
emaj-345	211	1	journal	journal	NOUN
emaj-345	211	2	of	of	ADP
emaj-345	211	3	purchasing	purchasing	NOUN
emaj-345	211	4	and	and	CCONJ
emaj-345	211	5	supply	supply	NOUN
emaj-345	211	6	management	management	NOUN
emaj-345	211	7	,	,	PUNCT
emaj-345	211	8	25(2	25(2	NUM
emaj-345	211	9	)	)	PUNCT
emaj-345	211	10	,	,	PUNCT
emaj-345	211	11	185	185	NUM
emaj-345	211	12	-	-	SYM
emaj-345	211	13	196	196	NUM
emaj-345	211	14	.	.	PUNCT
emaj-345	212	1	gelsomino	gelsomino	PROPN
emaj-345	212	2	,	,	PUNCT
emaj-345	212	3	l.	l.	PROPN
emaj-345	212	4	m.	m.	PROPN
emaj-345	212	5	,	,	PUNCT
emaj-345	212	6	mangiaracina	mangiaracina	PROPN
emaj-345	212	7	,	,	PUNCT
emaj-345	212	8	r.	r.	PROPN
emaj-345	212	9	,	,	PUNCT
emaj-345	212	10	perego	perego	PROPN
emaj-345	212	11	,	,	PUNCT
emaj-345	212	12	a.	a.	NOUN
emaj-345	212	13	,	,	PUNCT
emaj-345	212	14	tumino	tumino	PROPN
emaj-345	212	15	,	,	PUNCT
emaj-345	212	16	a.	a.	NOUN
emaj-345	212	17	(	(	PUNCT
emaj-345	212	18	2016	2016	NUM
emaj-345	212	19	)	)	PUNCT
emaj-345	212	20	.	.	PUNCT
emaj-345	213	1	supply	supply	NOUN
emaj-345	213	2	chain	chain	NOUN
emaj-345	213	3	finance	finance	NOUN
emaj-345	213	4	:	:	PUNCT
emaj-345	213	5	a	a	DET
emaj-345	213	6	literature	literature	NOUN
emaj-345	213	7	review	review	NOUN
emaj-345	213	8	.	.	PUNCT
emaj-345	214	1	international	international	ADJ
emaj-345	214	2	journal	journal	PROPN
emaj-345	214	3	of	of	ADP
emaj-345	214	4	physical	physical	ADJ
emaj-345	214	5	distribution	distribution	NOUN
emaj-345	214	6	&	&	CCONJ
emaj-345	214	7	logistics	logistic	NOUN
emaj-345	214	8	management	management	NOUN
emaj-345	214	9	,	,	PUNCT
emaj-345	214	10	46(4	46(4	NOUN
emaj-345	214	11	)	)	PUNCT
emaj-345	214	12	.	.	PUNCT
emaj-345	215	1	119	119	NUM
emaj-345	215	2	.	.	X
emaj-345	216	1	guida	guida	PROPN
emaj-345	216	2	,	,	PUNCT
emaj-345	216	3	m.	m.	NOUN
emaj-345	216	4	,	,	PUNCT
emaj-345	216	5	moretto	moretto	NOUN
emaj-345	216	6	,	,	PUNCT
emaj-345	216	7	a.	a.	NOUN
emaj-345	216	8	m.	m.	NOUN
emaj-345	216	9	,	,	PUNCT
emaj-345	216	10	caniato	caniato	PROPN
emaj-345	216	11	,	,	PUNCT
emaj-345	216	12	f.	f.	PROPN
emaj-345	216	13	f.	f.	PROPN
emaj-345	216	14	a.	a.	PROPN
emaj-345	216	15	(	(	PUNCT
emaj-345	216	16	2021	2021	NUM
emaj-345	216	17	)	)	PUNCT
emaj-345	216	18	.	.	PUNCT
emaj-345	217	1	how	how	SCONJ
emaj-345	217	2	to	to	PART
emaj-345	217	3	select	select	VERB
emaj-345	217	4	a	a	DET
emaj-345	217	5	supply	supply	NOUN
emaj-345	217	6	chain	chain	NOUN
emaj-345	217	7	finance	finance	NOUN
emaj-345	217	8	solution	solution	NOUN
emaj-345	217	9	?	?	PUNCT
emaj-345	217	10	.	.	PUNCT
emaj-345	218	1	journal	journal	NOUN
emaj-345	218	2	of	of	ADP
emaj-345	218	3	purchasing	purchasing	NOUN
emaj-345	218	4	and	and	CCONJ
emaj-345	218	5	supply	supply	NOUN
emaj-345	218	6	management	management	NOUN
emaj-345	218	7	,	,	PUNCT
emaj-345	218	8	27(4	27(4	PROPN
emaj-345	218	9	)	)	PUNCT
emaj-345	218	10	,	,	PUNCT
emaj-345	218	11	100701	100701	NUM
emaj-345	218	12	.	.	PUNCT
emaj-345	219	1	hair	hair	NOUN
emaj-345	219	2	,	,	PUNCT
emaj-345	219	3	j.	j.	PROPN
emaj-345	219	4	f.	f.	PROPN
emaj-345	219	5	,	,	PUNCT
emaj-345	219	6	ringle	ringle	PROPN
emaj-345	219	7	,	,	PUNCT
emaj-345	219	8	c.	c.	PROPN
emaj-345	219	9	m.	m.	NOUN
emaj-345	219	10	,	,	PUNCT
emaj-345	219	11	sarstedt	sarstedt	NOUN
emaj-345	219	12	,	,	PUNCT
emaj-345	219	13	m.	m.	NOUN
emaj-345	219	14	(	(	PUNCT
emaj-345	219	15	2011	2011	NUM
emaj-345	219	16	)	)	PUNCT
emaj-345	219	17	.	.	PUNCT
emaj-345	220	1	pls	pls	NOUN
emaj-345	220	2	-	-	PUNCT
emaj-345	220	3	sem	sem	NOUN
emaj-345	220	4	:	:	PUNCT
emaj-345	220	5	indeed	indeed	ADV
emaj-345	220	6	a	a	DET
emaj-345	220	7	silver	silver	ADJ
emaj-345	220	8	bullet	bullet	NOUN
emaj-345	220	9	.	.	PUNCT
emaj-345	221	1	journal	journal	NOUN
emaj-345	221	2	of	of	ADP
emaj-345	221	3	marketing	marketing	NOUN
emaj-345	221	4	theory	theory	NOUN
emaj-345	221	5	and	and	CCONJ
emaj-345	221	6	practice	practice	NOUN
emaj-345	221	7	,	,	PUNCT
emaj-345	221	8	19(2	19(2	NUM
emaj-345	221	9	)	)	PUNCT
emaj-345	221	10	,	,	PUNCT
emaj-345	221	11	139	139	NUM
emaj-345	221	12	-	-	SYM
emaj-345	221	13	152	152	NUM
emaj-345	221	14	.	.	PUNCT
emaj-345	222	1	hair	hair	NOUN
emaj-345	222	2	,	,	PUNCT
emaj-345	222	3	j.	j.	PROPN
emaj-345	222	4	f.	f.	PROPN
emaj-345	222	5	,	,	PUNCT
emaj-345	222	6	risher	risher	ADV
emaj-345	222	7	,	,	PUNCT
emaj-345	222	8	j.	j.	PROPN
emaj-345	222	9	j.	j.	PROPN
emaj-345	222	10	,	,	PUNCT
emaj-345	222	11	sarstedt	sarstedt	NOUN
emaj-345	222	12	,	,	PUNCT
emaj-345	222	13	m.	m.	NOUN
emaj-345	222	14	,	,	PUNCT
emaj-345	222	15	ringle	ringle	NOUN
emaj-345	222	16	,	,	PUNCT
emaj-345	222	17	c.	c.	PROPN
emaj-345	222	18	m.	m.	NOUN
emaj-345	222	19	(	(	PUNCT
emaj-345	222	20	2019	2019	NUM
emaj-345	222	21	)	)	PUNCT
emaj-345	222	22	.	.	PUNCT
emaj-345	223	1	when	when	SCONJ
emaj-345	223	2	to	to	PART
emaj-345	223	3	use	use	VERB
emaj-345	223	4	and	and	CCONJ
emaj-345	223	5	how	how	SCONJ
emaj-345	223	6	to	to	PART
emaj-345	223	7	report	report	VERB
emaj-345	223	8	the	the	DET
emaj-345	223	9	results	result	NOUN
emaj-345	223	10	of	of	ADP
emaj-345	223	11	pls	pls	NOUN
emaj-345	223	12	-	-	PUNCT
emaj-345	223	13	sem	sem	NOUN
emaj-345	223	14	.	.	PUNCT
emaj-345	224	1	european	european	PROPN
emaj-345	224	2	business	business	PROPN
emaj-345	224	3	review	review	PROPN
emaj-345	224	4	,	,	PUNCT
emaj-345	224	5	31(1	31(1	NUM
emaj-345	224	6	)	)	PUNCT
emaj-345	224	7	,	,	PUNCT
emaj-345	224	8	224	224	NUM
emaj-345	224	9	.	.	PUNCT
emaj-345	225	1	hofmann	hofmann	PROPN
emaj-345	225	2	,	,	PUNCT
emaj-345	225	3	e.	e.	PROPN
emaj-345	225	4	(	(	PUNCT
emaj-345	225	5	2011	2011	NUM
emaj-345	225	6	)	)	PUNCT
emaj-345	225	7	.	.	PUNCT
emaj-345	226	1	supply	supply	NOUN
emaj-345	226	2	chain	chain	NOUN
emaj-345	226	3	finance	finance	NOUN
emaj-345	226	4	solutions	solution	NOUN
emaj-345	226	5	.	.	PUNCT
emaj-345	227	1	springer	springer	NOUN
emaj-345	227	2	.	.	PUNCT
emaj-345	228	1	volume	volume	NOUN
emaj-345	228	2	14	14	NUM
emaj-345	228	3	no	no	DET
emaj-345	228	4	2	2	NUM
emaj-345	228	5	(	(	PUNCT
emaj-345	228	6	2024	2024	NUM
emaj-345	228	7	)	)	PUNCT
emaj-345	228	8	|	|	ADV
emaj-345	228	9	issn	issn	VERB
emaj-345	228	10	2158	2158	NUM
emaj-345	228	11	-	-	SYM
emaj-345	228	12	8708	8708	NUM
emaj-345	228	13	(	(	PUNCT
emaj-345	228	14	online	online	NOUN
emaj-345	228	15	)	)	PUNCT
emaj-345	228	16	|	|	ADV
emaj-345	228	17	doi	doi	X
emaj-345	228	18	10.5195	10.5195	NUM
emaj-345	228	19	/	/	SYM
emaj-345	228	20	emaj.2024.345	emaj.2024.345	PROPN
emaj-345	228	21	|	|	ADV
emaj-345	228	22	http://emaj.pitt.edu	http://emaj.pitt.edu	X
emaj-345	228	23	supply	supply	NOUN
emaj-345	228	24	chain	chain	NOUN
emaj-345	228	25	finance	finance	NOUN
emaj-345	228	26	:	:	PUNCT
emaj-345	228	27	a	a	DET
emaj-345	228	28	study	study	NOUN
emaj-345	228	29	on	on	ADP
emaj-345	228	30	the	the	DET
emaj-345	228	31	use	use	NOUN
emaj-345	228	32	of	of	ADP
emaj-345	228	33	e	e	NOUN
emaj-345	228	34	-	-	NOUN
emaj-345	228	35	money	money	NOUN
emaj-345	228	36	page	page	NOUN
emaj-345	228	37	|22|	|22|	ADJ
emaj-345	228	38	emerging	emerge	VERB
emaj-345	228	39	markets	market	NOUN
emaj-345	228	40	journal	journal	PROPN
emaj-345	228	41	jia	jia	PROPN
emaj-345	228	42	,	,	PUNCT
emaj-345	228	43	f.	f.	PROPN
emaj-345	228	44	,	,	PUNCT
emaj-345	228	45	blome	blome	PROPN
emaj-345	228	46	,	,	PUNCT
emaj-345	228	47	c.	c.	PROPN
emaj-345	228	48	,	,	PUNCT
emaj-345	228	49	sun	sun	PROPN
emaj-345	228	50	,	,	PUNCT
emaj-345	228	51	h.	h.	PROPN
emaj-345	228	52	,	,	PUNCT
emaj-345	228	53	yang	yang	PROPN
emaj-345	228	54	,	,	PUNCT
emaj-345	228	55	y.	y.	PROPN
emaj-345	228	56	,	,	PUNCT
emaj-345	228	57	zhi	zhi	PROPN
emaj-345	228	58	,	,	PUNCT
emaj-345	228	59	b.	b.	PROPN
emaj-345	228	60	(	(	PUNCT
emaj-345	228	61	2020	2020	NUM
emaj-345	228	62	)	)	PUNCT
emaj-345	228	63	.	.	PUNCT
emaj-345	229	1	towards	towards	ADP
emaj-345	229	2	an	an	DET
emaj-345	229	3	integrated	integrated	ADJ
emaj-345	229	4	conceptual	conceptual	ADJ
emaj-345	229	5	framework	framework	NOUN
emaj-345	229	6	of	of	ADP
emaj-345	229	7	supply	supply	NOUN
emaj-345	229	8	chain	chain	NOUN
emaj-345	229	9	finance	finance	NOUN
emaj-345	229	10	:	:	PUNCT
emaj-345	229	11	an	an	DET
emaj-345	229	12	information	information	NOUN
emaj-345	229	13	processing	processing	NOUN
emaj-345	229	14	perspective	perspective	NOUN
emaj-345	229	15	.	.	PUNCT
emaj-345	230	1	international	international	ADJ
emaj-345	230	2	journal	journal	PROPN
emaj-345	230	3	of	of	ADP
emaj-345	230	4	production	production	NOUN
emaj-345	230	5	economics	economic	NOUN
emaj-345	230	6	,	,	PUNCT
emaj-345	230	7	219	219	NUM
emaj-345	230	8	,	,	PUNCT
emaj-345	230	9	18	18	NUM
emaj-345	230	10	-	-	SYM
emaj-345	230	11	30	30	NUM
emaj-345	230	12	.	.	PUNCT
emaj-345	231	1	kamal	kamal	PROPN
emaj-345	231	2	,	,	PUNCT
emaj-345	231	3	s.	s.	PROPN
emaj-345	231	4	a.	a.	PROPN
emaj-345	231	5	,	,	PUNCT
emaj-345	231	6	shafiq	shafiq	PROPN
emaj-345	231	7	,	,	PUNCT
emaj-345	231	8	m.	m.	NOUN
emaj-345	231	9	,	,	PUNCT
emaj-345	231	10	kakria	kakria	PROPN
emaj-345	231	11	,	,	PUNCT
emaj-345	231	12	p.	p.	NOUN
emaj-345	231	13	(	(	PUNCT
emaj-345	231	14	2020	2020	NUM
emaj-345	231	15	)	)	PUNCT
emaj-345	231	16	.	.	PUNCT
emaj-345	232	1	investigating	investigate	VERB
emaj-345	232	2	acceptance	acceptance	NOUN
emaj-345	232	3	of	of	ADP
emaj-345	232	4	telemedicine	telemedicine	NOUN
emaj-345	232	5	services	service	NOUN
emaj-345	232	6	through	through	ADP
emaj-345	232	7	an	an	DET
emaj-345	232	8	extended	extend	VERB
emaj-345	232	9	technology	technology	NOUN
emaj-345	232	10	acceptance	acceptance	NOUN
emaj-345	232	11	model	model	NOUN
emaj-345	232	12	(	(	PUNCT
emaj-345	232	13	tam	tam	PROPN
emaj-345	232	14	)	)	PUNCT
emaj-345	232	15	.	.	PUNCT
emaj-345	233	1	technology	technology	NOUN
emaj-345	233	2	in	in	ADP
emaj-345	233	3	society	society	NOUN
emaj-345	233	4	,	,	PUNCT
emaj-345	233	5	60	60	NUM
emaj-345	233	6	,	,	PUNCT
emaj-345	233	7	101212	101212	NUM
emaj-345	233	8	.	.	PUNCT
emaj-345	234	1	lekkakos	lekkakos	PROPN
emaj-345	234	2	,	,	PUNCT
emaj-345	234	3	s.	s.	PROPN
emaj-345	234	4	d.	d.	PROPN
emaj-345	234	5	,	,	PUNCT
emaj-345	234	6	serrano	serrano	PROPN
emaj-345	234	7	,	,	PUNCT
emaj-345	234	8	a.	a.	NOUN
emaj-345	234	9	(	(	PUNCT
emaj-345	234	10	2016	2016	NUM
emaj-345	234	11	)	)	PUNCT
emaj-345	234	12	.	.	PUNCT
emaj-345	235	1	supply	supply	NOUN
emaj-345	235	2	chain	chain	NOUN
emaj-345	235	3	finance	finance	NOUN
emaj-345	235	4	for	for	ADP
emaj-345	235	5	small	small	ADJ
emaj-345	235	6	and	and	CCONJ
emaj-345	235	7	medium	medium	ADJ
emaj-345	235	8	sized	sized	ADJ
emaj-345	235	9	enterprises	enterprise	NOUN
emaj-345	235	10	:	:	PUNCT
emaj-345	235	11	the	the	DET
emaj-345	235	12	case	case	NOUN
emaj-345	235	13	of	of	ADP
emaj-345	235	14	reverse	reverse	ADJ
emaj-345	235	15	factoring	factoring	NOUN
emaj-345	235	16	.	.	PUNCT
emaj-345	236	1	international	international	ADJ
emaj-345	236	2	journal	journal	PROPN
emaj-345	236	3	of	of	ADP
emaj-345	236	4	physical	physical	ADJ
emaj-345	236	5	distribution	distribution	NOUN
emaj-345	236	6	&	&	CCONJ
emaj-345	236	7	logistics	logistic	NOUN
emaj-345	236	8	management	management	NOUN
emaj-345	236	9	,	,	PUNCT
emaj-345	236	10	46(4	46(4	NOUN
emaj-345	236	11	)	)	PUNCT
emaj-345	236	12	.	.	PUNCT
emaj-345	237	1	ly	ly	PROPN
emaj-345	237	2	,	,	PUNCT
emaj-345	237	3	b.	b.	PROPN
emaj-345	237	4	,	,	PUNCT
emaj-345	237	5	ly	ly	PROPN
emaj-345	237	6	,	,	PUNCT
emaj-345	237	7	r.	r.	PROPN
emaj-345	237	8	(	(	PUNCT
emaj-345	237	9	2022	2022	NUM
emaj-345	237	10	)	)	PUNCT
emaj-345	237	11	.	.	PUNCT
emaj-345	238	1	internet	internet	NOUN
emaj-345	238	2	banking	banking	NOUN
emaj-345	238	3	adoption	adoption	NOUN
emaj-345	238	4	under	under	ADP
emaj-345	238	5	technology	technology	NOUN
emaj-345	238	6	acceptance	acceptance	NOUN
emaj-345	238	7	model	model	NOUN
emaj-345	238	8	—	—	PUNCT
emaj-345	238	9	evidence	evidence	NOUN
emaj-345	238	10	from	from	ADP
emaj-345	238	11	cambodian	cambodian	ADJ
emaj-345	238	12	users	user	NOUN
emaj-345	238	13	.	.	PUNCT
emaj-345	239	1	computers	computer	NOUN
emaj-345	239	2	in	in	ADP
emaj-345	239	3	human	human	ADJ
emaj-345	239	4	behavior	behavior	NOUN
emaj-345	239	5	reports	report	NOUN
emaj-345	239	6	,	,	PUNCT
emaj-345	239	7	7	7	NUM
emaj-345	239	8	,	,	PUNCT
emaj-345	239	9	100224	100224	NUM
emaj-345	239	10	.	.	PUNCT
emaj-345	240	1	medina	medina	PROPN
emaj-345	240	2	,	,	PUNCT
emaj-345	240	3	e.	e.	PROPN
emaj-345	240	4	,	,	PUNCT
emaj-345	240	5	caniato	caniato	PROPN
emaj-345	240	6	,	,	PUNCT
emaj-345	240	7	f.	f.	PROPN
emaj-345	240	8	,	,	PUNCT
emaj-345	240	9	moretto	moretto	NOUN
emaj-345	240	10	,	,	PUNCT
emaj-345	240	11	a.	a.	NOUN
emaj-345	240	12	(	(	PUNCT
emaj-345	240	13	2023	2023	NUM
emaj-345	240	14	)	)	PUNCT
emaj-345	240	15	.	.	PUNCT
emaj-345	241	1	framing	frame	VERB
emaj-345	241	2	sustainable	sustainable	ADJ
emaj-345	241	3	supply	supply	NOUN
emaj-345	241	4	chain	chain	NOUN
emaj-345	241	5	finance	finance	NOUN
emaj-345	241	6	:	:	PUNCT
emaj-345	241	7	how	how	SCONJ
emaj-345	241	8	can	can	AUX
emaj-345	241	9	supply	supply	VERB
emaj-345	241	10	chain	chain	NOUN
emaj-345	241	11	sustainability	sustainability	NOUN
emaj-345	241	12	practices	practice	NOUN
emaj-345	241	13	and	and	CCONJ
emaj-345	241	14	supply	supply	NOUN
emaj-345	241	15	chain	chain	NOUN
emaj-345	241	16	finance	finance	NOUN
emaj-345	241	17	solutions	solution	NOUN
emaj-345	241	18	be	be	AUX
emaj-345	241	19	integrated	integrate	VERB
emaj-345	241	20	?	?	PUNCT
emaj-345	241	21	.	.	PUNCT
emaj-345	242	1	journal	journal	PROPN
emaj-345	242	2	of	of	ADP
emaj-345	242	3	purchasing	purchasing	NOUN
emaj-345	242	4	and	and	CCONJ
emaj-345	242	5	supply	supply	NOUN
emaj-345	242	6	management	management	NOUN
emaj-345	242	7	,	,	PUNCT
emaj-345	242	8	29(3	29(3	NUM
emaj-345	242	9	)	)	PUNCT
emaj-345	242	10	,	,	PUNCT
emaj-345	242	11	100837	100837	NUM
emaj-345	242	12	.	.	PUNCT
emaj-345	243	1	pavlou	pavlou	ADJ
emaj-345	243	2	,	,	PUNCT
emaj-345	243	3	p.	p.	NOUN
emaj-345	243	4	a.	a.	NOUN
emaj-345	244	1	(	(	PUNCT
emaj-345	244	2	2003	2003	NUM
emaj-345	244	3	)	)	PUNCT
emaj-345	244	4	.	.	PUNCT
emaj-345	245	1	consumer	consumer	NOUN
emaj-345	245	2	acceptance	acceptance	NOUN
emaj-345	245	3	of	of	ADP
emaj-345	245	4	electronic	electronic	ADJ
emaj-345	245	5	commerce	commerce	NOUN
emaj-345	245	6	:	:	PUNCT
emaj-345	245	7	integrating	integrate	VERB
emaj-345	245	8	trust	trust	NOUN
emaj-345	245	9	and	and	CCONJ
emaj-345	245	10	risk	risk	NOUN
emaj-345	245	11	with	with	ADP
emaj-345	245	12	the	the	DET
emaj-345	245	13	technology	technology	NOUN
emaj-345	245	14	acceptance	acceptance	NOUN
emaj-345	245	15	model	model	NOUN
emaj-345	245	16	.	.	PUNCT
emaj-345	246	1	international	international	ADJ
emaj-345	246	2	journal	journal	PROPN
emaj-345	246	3	of	of	ADP
emaj-345	246	4	electronic	electronic	ADJ
emaj-345	246	5	commerce	commerce	NOUN
emaj-345	246	6	,	,	PUNCT
emaj-345	246	7	7(3	7(3	NUM
emaj-345	246	8	)	)	PUNCT
emaj-345	246	9	,	,	PUNCT
emaj-345	246	10	101	101	NUM
emaj-345	246	11	-	-	SYM
emaj-345	246	12	134	134	NUM
emaj-345	246	13	.	.	PUNCT
emaj-345	247	1	salameh	salameh	NOUN
emaj-345	247	2	,	,	PUNCT
emaj-345	247	3	a.	a.	NOUN
emaj-345	247	4	a.	a.	PROPN
emaj-345	247	5	,	,	PUNCT
emaj-345	247	6	hayat	hayat	PROPN
emaj-345	247	7	,	,	PUNCT
emaj-345	247	8	n.	n.	PROPN
emaj-345	247	9	,	,	PUNCT
emaj-345	247	10	ali	ali	PROPN
emaj-345	247	11	,	,	PUNCT
emaj-345	247	12	a.	a.	NOUN
emaj-345	247	13	(	(	PUNCT
emaj-345	247	14	2024	2024	NUM
emaj-345	247	15	)	)	PUNCT
emaj-345	247	16	.	.	PUNCT
emaj-345	248	1	reconnoitering	reconnoiter	VERB
emaj-345	248	2	the	the	DET
emaj-345	248	3	effects	effect	NOUN
emaj-345	248	4	of	of	ADP
emaj-345	248	5	risk	risk	NOUN
emaj-345	248	6	and	and	CCONJ
emaj-345	248	7	knowledge	knowledge	NOUN
emaj-345	248	8	on	on	ADP
emaj-345	248	9	use	use	NOUN
emaj-345	248	10	intention	intention	NOUN
emaj-345	248	11	for	for	ADP
emaj-345	248	12	e	e	NOUN
emaj-345	248	13	-	-	NOUN
emaj-345	248	14	money	money	NOUN
emaj-345	248	15	services	service	NOUN
emaj-345	248	16	among	among	ADP
emaj-345	248	17	saudi	saudi	ADJ
emaj-345	248	18	arabian	arabian	ADJ
emaj-345	248	19	residents	resident	NOUN
emaj-345	248	20	.	.	PUNCT
emaj-345	249	1	business	business	NOUN
emaj-345	249	2	perspectives	perspective	NOUN
emaj-345	249	3	and	and	CCONJ
emaj-345	249	4	research	research	NOUN
emaj-345	249	5	,	,	PUNCT
emaj-345	249	6	12(1	12(1	NUM
emaj-345	249	7	)	)	PUNCT
emaj-345	249	8	,	,	PUNCT
emaj-345	249	9	133	133	NUM
emaj-345	249	10	-	-	SYM
emaj-345	249	11	148	148	NUM
emaj-345	249	12	.	.	PUNCT
emaj-345	250	1	singh	singh	PROPN
emaj-345	250	2	,	,	PUNCT
emaj-345	250	3	s.	s.	PROPN
emaj-345	250	4	,	,	PUNCT
emaj-345	250	5	sahni	sahni	PROPN
emaj-345	250	6	,	,	PUNCT
emaj-345	250	7	m.	m.	NOUN
emaj-345	250	8	m.	m.	PROPN
emaj-345	250	9	,	,	PUNCT
emaj-345	250	10	kovid	kovid	PROPN
emaj-345	250	11	,	,	PUNCT
emaj-345	250	12	r.	r.	PROPN
emaj-345	250	13	k.	k.	PROPN
emaj-345	250	14	(	(	PUNCT
emaj-345	250	15	2020	2020	NUM
emaj-345	250	16	)	)	PUNCT
emaj-345	250	17	.	.	PUNCT
emaj-345	251	1	what	what	PRON
emaj-345	251	2	drives	drive	VERB
emaj-345	251	3	fintech	fintech	NOUN
emaj-345	251	4	adoption	adoption	NOUN
emaj-345	251	5	?	?	PUNCT
emaj-345	252	1	a	a	DET
emaj-345	252	2	multi	multi	ADJ
emaj-345	252	3	-	-	ADJ
emaj-345	252	4	method	method	ADJ
emaj-345	252	5	evaluation	evaluation	NOUN
emaj-345	252	6	using	use	VERB
emaj-345	252	7	an	an	DET
emaj-345	252	8	adapted	adapt	VERB
emaj-345	252	9	technology	technology	NOUN
emaj-345	252	10	acceptance	acceptance	NOUN
emaj-345	252	11	model	model	NOUN
emaj-345	252	12	.	.	PUNCT
emaj-345	253	1	management	management	NOUN
emaj-345	253	2	decision	decision	NOUN
emaj-345	253	3	,	,	PUNCT
emaj-345	253	4	58(8	58(8	NUM
emaj-345	253	5	)	)	PUNCT
emaj-345	253	6	,	,	PUNCT
emaj-345	253	7	16751697	16751697	NUM
emaj-345	253	8	.	.	PUNCT
emaj-345	254	1	tabachnick	tabachnick	PROPN
emaj-345	254	2	,	,	PUNCT
emaj-345	254	3	b.	b.	PROPN
emaj-345	254	4	g.	g.	PROPN
emaj-345	254	5	,	,	PUNCT
emaj-345	254	6	fidell	fidell	PROPN
emaj-345	254	7	,	,	PUNCT
emaj-345	254	8	l.	l.	PROPN
emaj-345	254	9	s.	s.	PROPN
emaj-345	254	10	,	,	PUNCT
emaj-345	254	11	ullman	ullman	PROPN
emaj-345	254	12	,	,	PUNCT
emaj-345	254	13	j.	j.	PROPN
emaj-345	254	14	b.	b.	PROPN
emaj-345	254	15	(	(	PUNCT
emaj-345	254	16	2013	2013	NUM
emaj-345	254	17	)	)	PUNCT
emaj-345	254	18	.	.	PUNCT
emaj-345	255	1	using	use	VERB
emaj-345	255	2	multivariate	multivariate	NOUN
emaj-345	255	3	statistics	statistic	NOUN
emaj-345	255	4	(	(	PUNCT
emaj-345	255	5	vol	vol	NOUN
emaj-345	255	6	.	.	PROPN
emaj-345	255	7	6	6	NUM
emaj-345	255	8	,	,	PUNCT
emaj-345	255	9	pp	pp	ADJ
emaj-345	255	10	.	.	PUNCT
emaj-345	256	1	497	497	NUM
emaj-345	256	2	-	-	SYM
emaj-345	256	3	516	516	NUM
emaj-345	256	4	)	)	PUNCT
emaj-345	256	5	.	.	PUNCT
emaj-345	257	1	boston	boston	PROPN
emaj-345	257	2	,	,	PUNCT
emaj-345	257	3	ma	ma	PROPN
emaj-345	257	4	:	:	PUNCT
emaj-345	257	5	pearson	pearson	PROPN
emaj-345	257	6	.	.	PUNCT
emaj-345	258	1	türkiye	türkiye	PROPN
emaj-345	258	2	cumhuriyet	cumhuriyet	PROPN
emaj-345	258	3	merkez	merkez	VERB
emaj-345	258	4	bankası	bankası	PROPN
emaj-345	258	5	tcmb	tcmb	NOUN
emaj-345	258	6	,	,	PUNCT
emaj-345	258	7	(	(	PUNCT
emaj-345	258	8	2024	2024	NUM
emaj-345	258	9	)	)	PUNCT
emaj-345	258	10	.	.	PUNCT
emaj-345	259	1	https://www.tcmb.gov.tr/wps/wcm/connect/tr/t	https://www.tcmb.gov.tr/wps/wcm/connect/tr/t	NOUN
emaj-345	259	2	cmb+tr	cmb+tr	PROPN
emaj-345	259	3	/	/	SYM
emaj-345	259	4	main+menu	main+menu	PROPN
emaj-345	259	5	/	/	SYM
emaj-345	259	6	temel+faaliyetler	temel+faaliyetler	PROPN
emaj-345	259	7	/	/	SYM
emaj-345	259	8	odeme+h	odeme+h	PROPN
emaj-345	259	9	izmetleri	izmetleri	PROPN
emaj-345	259	10	/	/	SYM
emaj-345	259	11	elektronik+para+kuruluslari	elektronik+para+kuruluslari	PROPN
emaj-345	259	12	,	,	PUNCT
emaj-345	259	13	access	access	NOUN
emaj-345	259	14	date	date	NOUN
emaj-345	259	15	:	:	PUNCT
emaj-345	259	16	05.06.2024	05.06.2024	NOUN
emaj-345	259	17	türkiye	türkiye	PROPN
emaj-345	259	18	ödeme	ödeme	PROPN
emaj-345	259	19	ve	ve	VERB
emaj-345	259	20	elektronik	elektronik	PROPN
emaj-345	259	21	para	para	PROPN
emaj-345	259	22	kur	kur	PROPN
emaj-345	259	23	.	.	PUNCT
emaj-345	259	24	birliği	birliği	PROPN
emaj-345	259	25	todeb	todeb	PROPN
emaj-345	259	26	,	,	PUNCT
emaj-345	259	27	(	(	PUNCT
emaj-345	259	28	2024).https://www.todeb.org.tr	2024).https://www.todeb.org.tr	ADV
emaj-345	259	29	/	/	SYM
emaj-345	259	30	detay	detay	ADJ
emaj-345	259	31	/	/	SYM
emaj-345	259	32	elektroni	elektroni	NOUN
emaj-345	259	33	k	k	NOUN
emaj-345	259	34	-	-	PUNCT
emaj-345	259	35	parayi	parayi	NOUN
emaj-345	259	36	-	-	PUNCT
emaj-345	259	37	taniyin/116/	taniyin/116/	NOUN
emaj-345	259	38	,	,	PUNCT
emaj-345	259	39	access	access	NOUN
emaj-345	259	40	date	date	NOUN
emaj-345	259	41	:	:	PUNCT
emaj-345	259	42	05.06.2024	05.06.2024	NOUN
emaj-345	259	43	toraman	toraman	NOUN
emaj-345	259	44	,	,	PUNCT
emaj-345	259	45	y.	y.	PROPN
emaj-345	259	46	,	,	PUNCT
emaj-345	259	47	yüksel	yüksel	PROPN
emaj-345	259	48	,	,	PUNCT
emaj-345	259	49	c.	c.	PROPN
emaj-345	259	50	(	(	PUNCT
emaj-345	259	51	2022	2022	NUM
emaj-345	259	52	)	)	PUNCT
emaj-345	259	53	.	.	PUNCT
emaj-345	260	1	covid-19	covid-19	PROPN
emaj-345	260	2	salgını	salgını	NOUN
emaj-345	260	3	sürecinde	sürecinde	VERB
emaj-345	260	4	tüketicilerin	tüketicilerin	NOUN
emaj-345	260	5	yeni	yeni	PROPN
emaj-345	260	6	teknolojileri	teknolojileri	PROPN
emaj-345	260	7	benimsemelerinin	benimsemelerinin	VERB
emaj-345	260	8	teknoloji	teknoloji	PROPN
emaj-345	260	9	kabul	kabul	PROPN
emaj-345	260	10	modeli	modeli	PROPN
emaj-345	260	11	(	(	PUNCT
emaj-345	260	12	tkm	tkm	PROPN
emaj-345	260	13	)	)	PUNCT
emaj-345	260	14	çerçevesinde	çerçevesinde	ADJ
emaj-345	260	15	temassız	temassız	PROPN
emaj-345	260	16	teslimat	teslimat	NOUN
emaj-345	260	17	özelinde	özelinde	ADJ
emaj-345	260	18	i̇ncelenmesi	i̇ncelenmesi	NOUN
emaj-345	260	19	:	:	PUNCT
emaj-345	260	20	mobil	mobil	PROPN
emaj-345	260	21	uygulamalar	uygulamalar	PROPN
emaj-345	260	22	üzerine	üzerine	PROPN
emaj-345	260	23	bir	bir	PROPN
emaj-345	260	24	araştırma	araştırma	PROPN
emaj-345	260	25	.	.	PUNCT
emaj-345	261	1	doğuş	doğuş	PROPN
emaj-345	261	2	üniversitesi	üniversitesi	PROPN
emaj-345	261	3	dergisi	dergisi	PROPN
emaj-345	261	4	,	,	PUNCT
emaj-345	261	5	23(covid-19	23(covid-19	NUM
emaj-345	261	6	özel	özel	ADJ
emaj-345	261	7	sayısı	sayısı	NOUN
emaj-345	261	8	)	)	PUNCT
emaj-345	261	9	,	,	PUNCT
emaj-345	261	10	17	17	NUM
emaj-345	261	11	-	-	SYM
emaj-345	261	12	34	34	NUM
emaj-345	261	13	.	.	PUNCT
emaj-345	262	1	toraman	toraman	NOUN
emaj-345	262	2	,	,	PUNCT
emaj-345	262	3	y.	y.	NOUN
emaj-345	262	4	(	(	PUNCT
emaj-345	262	5	2022	2022	NUM
emaj-345	262	6	)	)	PUNCT
emaj-345	262	7	.	.	PUNCT
emaj-345	263	1	dijital	dijital	PROPN
emaj-345	263	2	türk	türk	PROPN
emaj-345	263	3	lirasının	lirasının	PROPN
emaj-345	263	4	(	(	PUNCT
emaj-345	263	5	dtl	dtl	PROPN
emaj-345	263	6	)	)	PUNCT
emaj-345	263	7	kullanım	kullanım	NOUN
emaj-345	263	8	kabulü	kabulü	PROPN
emaj-345	263	9	:	:	PUNCT
emaj-345	263	10	teknoloji	teknoloji	PROPN
emaj-345	263	11	kabul	kabul	PROPN
emaj-345	263	12	modeli	modeli	PROPN
emaj-345	263	13	(	(	PUNCT
emaj-345	263	14	tkm	tkm	PROPN
emaj-345	263	15	)	)	PUNCT
emaj-345	263	16	ve	ve	VERB
emaj-345	263	17	planlı	planlı	NOUN
emaj-345	263	18	davranış	davranış	NOUN
emaj-345	263	19	teorisi	teorisi	ADJ
emaj-345	263	20	(	(	PUNCT
emaj-345	263	21	pdt	pdt	NOUN
emaj-345	263	22	)	)	PUNCT
emaj-345	263	23	çerçevesinde	çerçevesinde	PROPN
emaj-345	263	24	i̇ncelenmesi	i̇ncelenmesi	PROPN
emaj-345	263	25	.	.	PUNCT
emaj-345	264	1	sosyoekonomi	sosyoekonomi	PROPN
emaj-345	264	2	,	,	PUNCT
emaj-345	264	3	30(54	30(54	NUM
emaj-345	264	4	)	)	PUNCT
emaj-345	264	5	,	,	PUNCT
emaj-345	264	6	357	357	NUM
emaj-345	264	7	-	-	SYM
emaj-345	264	8	376	376	NUM
emaj-345	264	9	.	.	PUNCT
emaj-345	265	1	toraman	toraman	NOUN
emaj-345	265	2	,	,	PUNCT
emaj-345	265	3	y.	y.	PROPN
emaj-345	265	4	(	(	PUNCT
emaj-345	265	5	2024	2024	NUM
emaj-345	265	6	)	)	PUNCT
emaj-345	265	7	.	.	PUNCT
emaj-345	266	1	space	space	NOUN
emaj-345	266	2	logistics	logistic	NOUN
emaj-345	266	3	and	and	CCONJ
emaj-345	266	4	risks	risk	NOUN
emaj-345	266	5	:	:	PUNCT
emaj-345	266	6	a	a	DET
emaj-345	266	7	study	study	NOUN
emaj-345	266	8	on	on	ADP
emaj-345	266	9	spacecraft	spacecraft	NOUN
emaj-345	266	10	.	.	PUNCT
emaj-345	267	1	politeknik	politeknik	PROPN
emaj-345	267	2	dergisi	dergisi	PROPN
emaj-345	267	3	,	,	PUNCT
emaj-345	267	4	1	1	NUM
emaj-345	267	5	-	-	SYM
emaj-345	267	6	1	1	NUM
emaj-345	267	7	.	.	PUNCT
emaj-345	268	1	https://doi.org/10.2339/politeknik.1472919	https://doi.org/10.2339/politeknik.1472919	NOUN
emaj-345	268	2	venkatesh	venkatesh	PROPN
emaj-345	268	3	,	,	PUNCT
emaj-345	268	4	v.	v.	PROPN
emaj-345	268	5	,	,	PUNCT
emaj-345	268	6	bala	bala	PROPN
emaj-345	268	7	,	,	PUNCT
emaj-345	268	8	h.	h.	PROPN
emaj-345	268	9	(	(	PUNCT
emaj-345	268	10	2008	2008	NUM
emaj-345	268	11	)	)	PUNCT
emaj-345	268	12	.	.	PUNCT
emaj-345	269	1	technology	technology	NOUN
emaj-345	269	2	acceptance	acceptance	NOUN
emaj-345	269	3	model	model	NOUN
emaj-345	269	4	3	3	NUM
emaj-345	269	5	and	and	CCONJ
emaj-345	269	6	a	a	DET
emaj-345	269	7	research	research	NOUN
emaj-345	269	8	agenda	agenda	NOUN
emaj-345	269	9	on	on	ADP
emaj-345	269	10	interventions	intervention	NOUN
emaj-345	269	11	.	.	PUNCT
emaj-345	270	1	decision	decision	NOUN
emaj-345	270	2	sciences	science	NOUN
emaj-345	270	3	,	,	PUNCT
emaj-345	270	4	39(2	39(2	NUM
emaj-345	270	5	)	)	PUNCT
emaj-345	270	6	,	,	PUNCT
emaj-345	270	7	273315	273315	NUM
emaj-345	270	8	.	.	PUNCT
emaj-345	271	1	vorm	vorm	PROPN
emaj-345	271	2	,	,	PUNCT
emaj-345	271	3	e.	e.	PROPN
emaj-345	271	4	s.	s.	PROPN
emaj-345	271	5	,	,	PUNCT
emaj-345	271	6	combs	comb	NOUN
emaj-345	271	7	,	,	PUNCT
emaj-345	271	8	d.	d.	PROPN
emaj-345	271	9	j.	j.	PROPN
emaj-345	271	10	(	(	PUNCT
emaj-345	271	11	2022	2022	NUM
emaj-345	271	12	)	)	PUNCT
emaj-345	271	13	.	.	PUNCT
emaj-345	272	1	integrating	integrate	VERB
emaj-345	272	2	transparency	transparency	NOUN
emaj-345	272	3	,	,	PUNCT
emaj-345	272	4	trust	trust	NOUN
emaj-345	272	5	,	,	PUNCT
emaj-345	272	6	and	and	CCONJ
emaj-345	272	7	acceptance	acceptance	NOUN
emaj-345	272	8	:	:	PUNCT
emaj-345	272	9	the	the	DET
emaj-345	272	10	intelligent	intelligent	ADJ
emaj-345	272	11	systems	system	NOUN
emaj-345	272	12	technology	technology	NOUN
emaj-345	272	13	acceptance	acceptance	NOUN
emaj-345	272	14	model	model	NOUN
emaj-345	272	15	(	(	PUNCT
emaj-345	272	16	istam	istam	NOUN
emaj-345	272	17	)	)	PUNCT
emaj-345	272	18	.	.	PUNCT
emaj-345	273	1	international	international	ADJ
emaj-345	273	2	journal	journal	PROPN
emaj-345	273	3	of	of	ADP
emaj-345	273	4	human	human	ADJ
emaj-345	273	5	–	–	PUNCT
emaj-345	273	6	computer	computer	NOUN
emaj-345	273	7	interaction	interaction	NOUN
emaj-345	273	8	,	,	PUNCT
emaj-345	273	9	38(18	38(18	PROPN
emaj-345	273	10	-	-	SYM
emaj-345	273	11	20	20	NUM
emaj-345	273	12	)	)	PUNCT
emaj-345	273	13	,	,	PUNCT
emaj-345	273	14	1828	1828	NUM
emaj-345	273	15	-	-	SYM
emaj-345	273	16	1845	1845	NUM
emaj-345	273	17	.	.	PUNCT
emaj-345	274	1	zaman	zaman	PROPN
emaj-345	274	2	,	,	PUNCT
emaj-345	274	3	s.	s.	PROPN
emaj-345	274	4	i.	i.	PROPN
emaj-345	274	5	,	,	PUNCT
emaj-345	274	6	khan	khan	PROPN
emaj-345	274	7	,	,	PUNCT
emaj-345	274	8	s.	s.	PROPN
emaj-345	274	9	a.	a.	PROPN
emaj-345	274	10	,	,	PUNCT
emaj-345	274	11	kusi	kusi	NOUN
emaj-345	274	12	-	-	PUNCT
emaj-345	274	13	sarpong	sarpong	PROPN
emaj-345	274	14	,	,	PUNCT
emaj-345	274	15	s.	s.	PROPN
emaj-345	274	16	(	(	PUNCT
emaj-345	274	17	2023	2023	NUM
emaj-345	274	18	)	)	PUNCT
emaj-345	274	19	.	.	PUNCT
emaj-345	275	1	investigating	investigate	VERB
emaj-345	275	2	the	the	DET
emaj-345	275	3	relationship	relationship	NOUN
emaj-345	275	4	between	between	ADP
emaj-345	275	5	supply	supply	NOUN
emaj-345	275	6	chain	chain	NOUN
emaj-345	275	7	finance	finance	NOUN
emaj-345	275	8	and	and	CCONJ
emaj-345	275	9	supply	supply	NOUN
emaj-345	275	10	chain	chain	NOUN
emaj-345	275	11	collaborative	collaborative	ADJ
emaj-345	275	12	factors	factor	NOUN
emaj-345	275	13	.	.	PUNCT
emaj-345	276	1	benchmarking	benchmarke	VERB
emaj-345	276	2	:	:	PUNCT
emaj-345	276	3	an	an	DET
emaj-345	276	4	international	international	ADJ
emaj-345	276	5	journal	journal	NOUN
emaj-345	276	6	,	,	PUNCT
emaj-345	276	7	31(6	31(6	NUM
emaj-345	276	8	)	)	PUNCT
emaj-345	276	9	,	,	PUNCT
emaj-345	276	10	1941	1941	NUM
emaj-345	276	11	-	-	SYM
emaj-345	276	12	1975	1975	NUM
emaj-345	276	13	.	.	PUNCT