id	sid	tid	token	lemma	pos
esutjss-256	1	1	volume	volume	NOUN
esutjss-256	1	2	10	10	NUM
esutjss-256	1	3	number	number	NOUN
esutjss-256	1	4	1	1	NUM
esutjss-256	1	5	,	,	PUNCT
esutjss-256	1	6	2025	2025	NUM
esutjss-256	1	7	faculty	faculty	NOUN
esutjss-256	1	8	of	of	ADP
esutjss-256	1	9	social	social	ADJ
esutjss-256	1	10	sciences	science	NOUN
esutjss-256	1	11	,	,	PUNCT
esutjss-256	1	12	enugu	enugu	PROPN
esutjss-256	1	13	state	state	PROPN
esutjss-256	1	14	university	university	PROPN
esutjss-256	1	15	of	of	ADP
esutjss-256	1	16	science	science	NOUN
esutjss-256	1	17	and	and	CCONJ
esutjss-256	1	18	technology	technology	NOUN
esutjss-256	1	19	editor	editor	NOUN
esutjss-256	1	20	-	-	PUNCT
esutjss-256	1	21	in	in	ADP
esutjss-256	1	22	-	-	PUNCT
esutjss-256	1	23	chief	chief	NOUN
esutjss-256	1	24	prof	prof	NOUN
esutjss-256	1	25	.	.	PUNCT
esutjss-256	2	1	nicholas	nicholas	PROPN
esutjss-256	2	2	attamah	attamah	VERB
esutjss-256	2	3	managing	manage	VERB
esutjss-256	2	4	editor	editor	NOUN
esutjss-256	2	5	prof	prof	PROPN
esutjss-256	2	6	.	.	PUNCT
esutjss-256	3	1	barnabas	barnabas	PROPN
esutjss-256	3	2	nwankwo	nwankwo	PROPN
esutjss-256	3	3	published	publish	VERB
esutjss-256	3	4	by	by	ADP
esutjss-256	3	5	enugu	enugu	PROPN
esutjss-256	3	6	state	state	PROPN
esutjss-256	3	7	university	university	PROPN
esutjss-256	3	8	of	of	ADP
esutjss-256	3	9	science	science	PROPN
esutjss-256	3	10	&	&	CCONJ
esutjss-256	3	11	technology	technology	PROPN
esutjss-256	3	12	journal	journal	NOUN
esutjss-256	3	13	of	of	ADP
esutjss-256	3	14	social	social	PROPN
esutjss-256	3	15	sciences	sciences	PROPN
esutjss-256	3	16	&	&	CCONJ
esutjss-256	3	17	humanities	humanity	NOUN
esutjss-256	3	18	56	56	NUM
esutjss-256	3	19	perceived	perceive	VERB
esutjss-256	3	20	risk	risk	NOUN
esutjss-256	3	21	,	,	PUNCT
esutjss-256	3	22	technology	technology	NOUN
esutjss-256	3	23	readiness	readiness	NOUN
esutjss-256	3	24	and	and	CCONJ
esutjss-256	3	25	adoption	adoption	NOUN
esutjss-256	3	26	of	of	ADP
esutjss-256	3	27	online	online	ADJ
esutjss-256	3	28	banking	banking	NOUN
esutjss-256	3	29	among	among	ADP
esutjss-256	3	30	undergraduates	undergraduate	NOUN
esutjss-256	3	31	students	student	NOUN
esutjss-256	3	32	ifenna	ifenna	NOUN
esutjss-256	3	33	d.	d.	PROPN
esutjss-256	3	34	ezeanya	ezeanya	PROPN
esutjss-256	4	1	kingsley	kingsley	PROPN
esutjss-256	4	2	chinedu	chinedu	PROPN
esutjss-256	4	3	nwizu	nwizu	PROPN
esutjss-256	4	4	chiamaka	chiamaka	PROPN
esutjss-256	4	5	o.	o.	PROPN
esutjss-256	4	6	joe	joe	PROPN
esutjss-256	4	7	-	-	PUNCT
esutjss-256	4	8	akunne	akunne	PROPN
esutjss-256	4	9	okechukwu	okechukwu	NOUN
esutjss-256	4	10	samuel	samuel	PROPN
esutjss-256	4	11	chukwuma	chukwuma	PROPN
esutjss-256	4	12	department	department	PROPN
esutjss-256	4	13	of	of	ADP
esutjss-256	4	14	psychology	psychology	NOUN
esutjss-256	4	15	,	,	PUNCT
esutjss-256	4	16	nnamdi	nnamdi	PROPN
esutjss-256	4	17	azikiwe	azikiwe	PROPN
esutjss-256	4	18	university	university	PROPN
esutjss-256	4	19	,	,	PUNCT
esutjss-256	4	20	awka	awka	ADV
esutjss-256	4	21	corresponding	corresponding	ADJ
esutjss-256	4	22	author	author	NOUN
esutjss-256	4	23	:	:	PUNCT
esutjss-256	4	24	ifenna	ifenna	PROPN
esutjss-256	4	25	d.	d.	PROPN
esutjss-256	4	26	ezeanya	ezeanya	PROPN
esutjss-256	4	27	email	email	NOUN
esutjss-256	4	28	:	:	PUNCT
esutjss-256	4	29	id.ezeanya@unizik.edu.ng	id.ezeanya@unizik.edu.ng	VERB
esutjss-256	4	30	abstract	abstract	ADJ
esutjss-256	4	31	the	the	DET
esutjss-256	4	32	study	study	NOUN
esutjss-256	4	33	investigated	investigate	VERB
esutjss-256	4	34	the	the	DET
esutjss-256	4	35	relationships	relationship	NOUN
esutjss-256	4	36	between	between	ADP
esutjss-256	4	37	perceived	perceive	VERB
esutjss-256	4	38	risk	risk	NOUN
esutjss-256	4	39	,	,	PUNCT
esutjss-256	4	40	technology	technology	NOUN
esutjss-256	4	41	readiness	readiness	NOUN
esutjss-256	4	42	and	and	CCONJ
esutjss-256	4	43	undergraduates	undergraduate	NOUN
esutjss-256	4	44	’	'	PUNCT
esutjss-256	4	45	adoption	adoption	NOUN
esutjss-256	4	46	of	of	ADP
esutjss-256	4	47	online	online	ADJ
esutjss-256	4	48	banking	banking	NOUN
esutjss-256	4	49	.	.	PUNCT
esutjss-256	5	1	participants	participant	NOUN
esutjss-256	5	2	were	be	AUX
esutjss-256	5	3	250	250	NUM
esutjss-256	5	4	undergraduates	undergraduate	NOUN
esutjss-256	5	5	of	of	ADP
esutjss-256	5	6	nnamdi	nnamdi	PROPN
esutjss-256	5	7	azikiwe	azikiwe	PROPN
esutjss-256	5	8	university	university	PROPN
esutjss-256	5	9	,	,	PUNCT
esutjss-256	5	10	awka	awka	NOUN
esutjss-256	5	11	.	.	PUNCT
esutjss-256	6	1	they	they	PRON
esutjss-256	6	2	included	include	VERB
esutjss-256	6	3	118	118	NUM
esutjss-256	6	4	(	(	PUNCT
esutjss-256	6	5	47.2	47.2	NUM
esutjss-256	6	6	%	%	NOUN
esutjss-256	6	7	)	)	PUNCT
esutjss-256	6	8	males	male	NOUN
esutjss-256	6	9	and	and	CCONJ
esutjss-256	6	10	132	132	NUM
esutjss-256	6	11	(	(	PUNCT
esutjss-256	6	12	52.8	52.8	NUM
esutjss-256	6	13	%	%	NOUN
esutjss-256	6	14	)	)	PUNCT
esutjss-256	6	15	females	female	NOUN
esutjss-256	6	16	,	,	PUNCT
esutjss-256	6	17	whose	whose	DET
esutjss-256	6	18	ages	age	NOUN
esutjss-256	6	19	ranged	range	VERB
esutjss-256	6	20	between	between	ADP
esutjss-256	6	21	18	18	NUM
esutjss-256	6	22	to	to	PART
esutjss-256	6	23	36	36	NUM
esutjss-256	6	24	years	year	NOUN
esutjss-256	6	25	,	,	PUNCT
esutjss-256	6	26	with	with	ADP
esutjss-256	6	27	the	the	DET
esutjss-256	6	28	mean	mean	ADJ
esutjss-256	6	29	age	age	NOUN
esutjss-256	6	30	of	of	ADP
esutjss-256	6	31	21.74	21.74	NUM
esutjss-256	6	32	and	and	CCONJ
esutjss-256	6	33	standard	standard	ADJ
esutjss-256	6	34	deviation	deviation	NOUN
esutjss-256	6	35	of	of	ADP
esutjss-256	6	36	2.044	2.044	NUM
esutjss-256	6	37	.	.	PUNCT
esutjss-256	7	1	the	the	DET
esutjss-256	7	2	risk	risk	NOUN
esutjss-256	7	3	perception	perception	NOUN
esutjss-256	7	4	scale	scale	NOUN
esutjss-256	7	5	(	(	PUNCT
esutjss-256	7	6	featherman	featherman	PROPN
esutjss-256	7	7	&	&	CCONJ
esutjss-256	7	8	pavlov	pavlov	PROPN
esutjss-256	7	9	,	,	PUNCT
esutjss-256	7	10	2003	2003	NUM
esutjss-256	7	11	)	)	PUNCT
esutjss-256	7	12	;	;	PUNCT
esutjss-256	7	13	technology	technology	NOUN
esutjss-256	7	14	readiness	readiness	NOUN
esutjss-256	7	15	scale	scale	NOUN
esutjss-256	7	16	(	(	PUNCT
esutjss-256	7	17	celik	celik	VERB
esutjss-256	7	18	&	&	CCONJ
esutjss-256	7	19	kocaman	kocaman	NOUN
esutjss-256	7	20	,	,	PUNCT
esutjss-256	7	21	2017	2017	NUM
esutjss-256	7	22	)	)	PUNCT
esutjss-256	7	23	;	;	PUNCT
esutjss-256	7	24	and	and	CCONJ
esutjss-256	7	25	online	online	ADJ
esutjss-256	7	26	banking	banking	NOUN
esutjss-256	7	27	adoption	adoption	NOUN
esutjss-256	7	28	scale	scale	NOUN
esutjss-256	7	29	(	(	PUNCT
esutjss-256	7	30	pikkarainen	pikkarainen	NOUN
esutjss-256	7	31	et	et	PROPN
esutjss-256	7	32	al	al	PROPN
esutjss-256	7	33	.	.	PROPN
esutjss-256	7	34	,	,	PUNCT
esutjss-256	7	35	2004	2004	NUM
esutjss-256	7	36	)	)	PUNCT
esutjss-256	7	37	were	be	AUX
esutjss-256	7	38	used	use	VERB
esutjss-256	7	39	for	for	ADP
esutjss-256	7	40	data	data	NOUN
esutjss-256	7	41	collection	collection	NOUN
esutjss-256	7	42	.	.	PUNCT
esutjss-256	8	1	the	the	DET
esutjss-256	8	2	design	design	NOUN
esutjss-256	8	3	was	be	AUX
esutjss-256	8	4	correlational	correlational	ADJ
esutjss-256	8	5	design	design	NOUN
esutjss-256	8	6	,	,	PUNCT
esutjss-256	8	7	while	while	SCONJ
esutjss-256	8	8	pearson	pearson	PROPN
esutjss-256	8	9	product	product	PROPN
esutjss-256	8	10	moment	moment	NOUN
esutjss-256	8	11	correlation	correlation	NOUN
esutjss-256	8	12	analysis	analysis	NOUN
esutjss-256	8	13	was	be	AUX
esutjss-256	8	14	used	use	VERB
esutjss-256	8	15	for	for	ADP
esutjss-256	8	16	data	datum	NOUN
esutjss-256	8	17	analysis	analysis	NOUN
esutjss-256	8	18	.	.	PUNCT
esutjss-256	9	1	the	the	DET
esutjss-256	9	2	result	result	NOUN
esutjss-256	9	3	revealed	reveal	VERB
esutjss-256	9	4	between	between	ADP
esutjss-256	9	5	perceived	perceive	VERB
esutjss-256	9	6	risk	risk	NOUN
esutjss-256	9	7	did	do	AUX
esutjss-256	9	8	not	not	PART
esutjss-256	9	9	significantly	significantly	ADV
esutjss-256	9	10	relate	relate	VERB
esutjss-256	9	11	with	with	ADP
esutjss-256	9	12	adoption	adoption	NOUN
esutjss-256	9	13	online	online	ADJ
esutjss-256	9	14	banking	banking	NOUN
esutjss-256	9	15	(	(	PUNCT
esutjss-256	9	16	r=	r=	ADJ
esutjss-256	9	17	-.024	-.024	NOUN
esutjss-256	9	18	,	,	PUNCT
esutjss-256	9	19	p	p	X
esutjss-256	9	20	>	>	X
esutjss-256	9	21	.05	.05	NUM
esutjss-256	9	22	)	)	PUNCT
esutjss-256	9	23	while	while	SCONJ
esutjss-256	9	24	technology	technology	NOUN
esutjss-256	9	25	acceptance	acceptance	NOUN
esutjss-256	9	26	was	be	AUX
esutjss-256	9	27	found	find	VERB
esutjss-256	9	28	to	to	PART
esutjss-256	9	29	have	have	VERB
esutjss-256	9	30	significant	significant	ADJ
esutjss-256	9	31	relationship	relationship	NOUN
esutjss-256	9	32	with	with	ADP
esutjss-256	9	33	adoption	adoption	NOUN
esutjss-256	9	34	online	online	ADJ
esutjss-256	9	35	banking	banking	NOUN
esutjss-256	9	36	(	(	PUNCT
esutjss-256	9	37	r	r	NOUN
esutjss-256	9	38	=	=	SYM
esutjss-256	9	39	.233	.233	NUM
esutjss-256	9	40	,	,	PUNCT
esutjss-256	9	41	p<.001	p<.001	NOUN
esutjss-256	9	42	)	)	PUNCT
esutjss-256	9	43	.	.	PUNCT
esutjss-256	10	1	it	it	PRON
esutjss-256	10	2	also	also	ADV
esutjss-256	10	3	further	far	ADV
esutjss-256	10	4	revealed	reveal	VERB
esutjss-256	10	5	that	that	SCONJ
esutjss-256	10	6	significant	significant	ADJ
esutjss-256	10	7	relationship	relationship	NOUN
esutjss-256	10	8	exist	exist	VERB
esutjss-256	10	9	between	between	ADP
esutjss-256	10	10	perceived	perceive	VERB
esutjss-256	10	11	risk	risk	NOUN
esutjss-256	10	12	and	and	CCONJ
esutjss-256	10	13	technology	technology	NOUN
esutjss-256	10	14	acceptance	acceptance	NOUN
esutjss-256	10	15	(	(	PUNCT
esutjss-256	10	16	r=	r=	PROPN
esutjss-256	10	17	-.176	-.176	NOUN
esutjss-256	10	18	,	,	PUNCT
esutjss-256	10	19	p<.005	p<.005	PROPN
esutjss-256	10	20	)	)	PUNCT
esutjss-256	10	21	.	.	PUNCT
esutjss-256	11	1	based	base	VERB
esutjss-256	11	2	on	on	ADP
esutjss-256	11	3	the	the	DET
esutjss-256	11	4	findings	finding	NOUN
esutjss-256	11	5	,	,	PUNCT
esutjss-256	11	6	the	the	DET
esutjss-256	11	7	researcher	researcher	NOUN
esutjss-256	11	8	recommended	recommend	VERB
esutjss-256	11	9	amongst	amongst	ADP
esutjss-256	11	10	financial	financial	ADJ
esutjss-256	11	11	institutions	institution	NOUN
esutjss-256	11	12	,	,	PUNCT
esutjss-256	11	13	educational	educational	ADJ
esutjss-256	11	14	campaigns	campaign	NOUN
esutjss-256	11	15	and	and	CCONJ
esutjss-256	11	16	universities	university	NOUN
esutjss-256	11	17	so	so	ADV
esutjss-256	11	18	in	in	ADP
esutjss-256	11	19	order	order	NOUN
esutjss-256	11	20	to	to	PART
esutjss-256	11	21	improve	improve	VERB
esutjss-256	11	22	the	the	DET
esutjss-256	11	23	student	student	NOUN
esutjss-256	11	24	's	's	PART
esutjss-256	11	25	experience	experience	NOUN
esutjss-256	11	26	on	on	ADP
esutjss-256	11	27	the	the	DET
esutjss-256	11	28	use	use	NOUN
esutjss-256	11	29	of	of	ADP
esutjss-256	11	30	online	online	ADJ
esutjss-256	11	31	banking	banking	NOUN
esutjss-256	11	32	.	.	PUNCT
esutjss-256	12	1	keywords	keyword	NOUN
esutjss-256	12	2	:	:	PUNCT
esutjss-256	12	3	perceived	perceive	VERB
esutjss-256	12	4	risk	risk	NOUN
esutjss-256	12	5	,	,	PUNCT
esutjss-256	12	6	technology	technology	NOUN
esutjss-256	12	7	readiness	readiness	NOUN
esutjss-256	12	8	,	,	PUNCT
esutjss-256	12	9	online	online	ADJ
esutjss-256	12	10	banking	banking	NOUN
esutjss-256	12	11	,	,	PUNCT
esutjss-256	12	12	undergraduates	undergraduate	VERB
esutjss-256	12	13	introduction	introduction	NOUN
esutjss-256	12	14	evolution	evolution	NOUN
esutjss-256	12	15	in	in	ADP
esutjss-256	12	16	digital	digital	ADJ
esutjss-256	12	17	technology	technology	NOUN
esutjss-256	12	18	has	have	AUX
esutjss-256	12	19	significantly	significantly	ADV
esutjss-256	12	20	transformed	transform	VERB
esutjss-256	12	21	the	the	DET
esutjss-256	12	22	banking	banking	NOUN
esutjss-256	12	23	sector	sector	NOUN
esutjss-256	12	24	,	,	PUNCT
esutjss-256	12	25	offering	offer	VERB
esutjss-256	12	26	new	new	ADJ
esutjss-256	12	27	and	and	CCONJ
esutjss-256	12	28	innovative	innovative	ADJ
esutjss-256	12	29	ways	way	NOUN
esutjss-256	12	30	to	to	PART
esutjss-256	12	31	conduct	conduct	VERB
esutjss-256	12	32	financial	financial	ADJ
esutjss-256	12	33	transactions	transaction	NOUN
esutjss-256	12	34	.	.	PUNCT
esutjss-256	13	1	today	today	NOUN
esutjss-256	13	2	most	most	ADJ
esutjss-256	13	3	financial	financial	ADJ
esutjss-256	13	4	institution	institution	NOUN
esutjss-256	13	5	has	have	AUX
esutjss-256	13	6	adopted	adopt	VERB
esutjss-256	13	7	online	online	ADJ
esutjss-256	13	8	transaction	transaction	NOUN
esutjss-256	13	9	as	as	ADP
esutjss-256	13	10	an	an	DET
esutjss-256	13	11	alternative	alternative	NOUN
esutjss-256	13	12	to	to	ADP
esutjss-256	13	13	offline	offline	ADJ
esutjss-256	13	14	transaction	transaction	NOUN
esutjss-256	13	15	.	.	PUNCT
esutjss-256	14	1	online	online	ADJ
esutjss-256	14	2	banking	banking	NOUN
esutjss-256	14	3	allows	allow	VERB
esutjss-256	14	4	users	user	NOUN
esutjss-256	14	5	to	to	PART
esutjss-256	14	6	manage	manage	VERB
esutjss-256	14	7	their	their	PRON
esutjss-256	14	8	bank	bank	NOUN
esutjss-256	14	9	accounts	account	NOUN
esutjss-256	14	10	and	and	CCONJ
esutjss-256	14	11	perform	perform	VERB
esutjss-256	14	12	financial	financial	ADJ
esutjss-256	14	13	activities	activity	NOUN
esutjss-256	14	14	via	via	ADP
esutjss-256	14	15	the	the	DET
esutjss-256	14	16	internet	internet	NOUN
esutjss-256	14	17	in	in	ADP
esutjss-256	14	18	a	a	DET
esutjss-256	14	19	convenient	convenient	ADJ
esutjss-256	14	20	and	and	CCONJ
esutjss-256	14	21	efficient	efficient	ADJ
esutjss-256	14	22	manner	manner	NOUN
esutjss-256	14	23	(	(	PUNCT
esutjss-256	14	24	pikkarainen	pikkarainen	NOUN
esutjss-256	14	25	et	et	PROPN
esutjss-256	14	26	al	al	PROPN
esutjss-256	14	27	.	.	PROPN
esutjss-256	14	28	,	,	PUNCT
esutjss-256	14	29	2004	2004	NUM
esutjss-256	14	30	)	)	PUNCT
esutjss-256	14	31	.	.	PUNCT
esutjss-256	15	1	this	this	DET
esutjss-256	15	2	mode	mode	NOUN
esutjss-256	15	3	of	of	ADP
esutjss-256	15	4	banking	banking	NOUN
esutjss-256	15	5	offers	offer	VERB
esutjss-256	15	6	various	various	ADJ
esutjss-256	15	7	services	service	NOUN
esutjss-256	15	8	,	,	PUNCT
esutjss-256	15	9	including	include	VERB
esutjss-256	15	10	fund	fund	NOUN
esutjss-256	15	11	transfers	transfer	NOUN
esutjss-256	15	12	,	,	PUNCT
esutjss-256	15	13	bill	bill	NOUN
esutjss-256	15	14	payments	payment	NOUN
esutjss-256	15	15	,	,	PUNCT
esutjss-256	15	16	and	and	CCONJ
esutjss-256	15	17	account	account	NOUN
esutjss-256	15	18	management	management	NOUN
esutjss-256	15	19	,	,	PUNCT
esutjss-256	15	20	which	which	PRON
esutjss-256	15	21	in	in	ADP
esutjss-256	15	22	recent	recent	ADJ
esutjss-256	15	23	past	past	NOUN
esutjss-256	15	24	required	require	VERB
esutjss-256	15	25	physical	physical	ADJ
esutjss-256	15	26	presence	presence	NOUN
esutjss-256	15	27	at	at	ADP
esutjss-256	15	28	bank	bank	NOUN
esutjss-256	15	29	branches	branch	NOUN
esutjss-256	15	30	(	(	PUNCT
esutjss-256	15	31	liao	liao	PROPN
esutjss-256	15	32	&	&	CCONJ
esutjss-256	15	33	cheung	cheung	PROPN
esutjss-256	15	34	,	,	PUNCT
esutjss-256	15	35	2002	2002	NUM
esutjss-256	15	36	,	,	PUNCT
esutjss-256	15	37	ezeanya	ezeanya	PROPN
esutjss-256	15	38	et	et	PROPN
esutjss-256	15	39	al	al	PROPN
esutjss-256	15	40	.	.	PROPN
esutjss-256	15	41	,	,	PUNCT
esutjss-256	15	42	2024	2024	NUM
esutjss-256	15	43	)	)	PUNCT
esutjss-256	15	44	.	.	PUNCT
esutjss-256	16	1	online	online	ADJ
esutjss-256	16	2	banking	banking	NOUN
esutjss-256	16	3	is	be	AUX
esutjss-256	16	4	a	a	DET
esutjss-256	16	5	method	method	NOUN
esutjss-256	16	6	of	of	ADP
esutjss-256	16	7	banking	banking	NOUN
esutjss-256	16	8	that	that	PRON
esutjss-256	16	9	allows	allow	VERB
esutjss-256	16	10	registered	register	VERB
esutjss-256	16	11	users	user	NOUN
esutjss-256	16	12	to	to	PART
esutjss-256	16	13	access	access	VERB
esutjss-256	16	14	their	their	PRON
esutjss-256	16	15	bank	bank	NOUN
esutjss-256	16	16	accounts	account	NOUN
esutjss-256	16	17	or	or	CCONJ
esutjss-256	16	18	monetary	monetary	ADJ
esutjss-256	16	19	balances	balance	NOUN
esutjss-256	16	20	through	through	ADP
esutjss-256	16	21	the	the	DET
esutjss-256	16	22	internet	internet	NOUN
esutjss-256	16	23	(	(	PUNCT
esutjss-256	16	24	nayanajith	nayanajith	NOUN
esutjss-256	16	25	et	et	PROPN
esutjss-256	16	26	al	al	PROPN
esutjss-256	16	27	.	.	PROPN
esutjss-256	16	28	,	,	PUNCT
esutjss-256	16	29	2021	2021	NUM
esutjss-256	16	30	)	)	PUNCT
esutjss-256	16	31	.	.	PUNCT
esutjss-256	17	1	it	it	PRON
esutjss-256	17	2	offers	offer	VERB
esutjss-256	17	3	customers	customer	NOUN
esutjss-256	17	4	almost	almost	ADV
esutjss-256	17	5	every	every	PRON
esutjss-256	17	6	service	service	NOUN
esutjss-256	17	7	traditionally	traditionally	ADV
esutjss-256	17	8	available	available	ADJ
esutjss-256	17	9	through	through	ADP
esutjss-256	17	10	a	a	DET
esutjss-256	17	11	local	local	ADJ
esutjss-256	17	12	branch	branch	NOUN
esutjss-256	17	13	including	include	VERB
esutjss-256	17	14	deposits	deposit	NOUN
esutjss-256	17	15	,	,	PUNCT
esutjss-256	17	16	transfers	transfer	NOUN
esutjss-256	17	17	,	,	PUNCT
esutjss-256	17	18	and	and	CCONJ
esutjss-256	17	19	online	online	ADJ
esutjss-256	17	20	bill	bill	NOUN
esutjss-256	17	21	payments	payment	NOUN
esutjss-256	17	22	.	.	PUNCT
esutjss-256	18	1	it	it	PRON
esutjss-256	18	2	is	be	AUX
esutjss-256	18	3	more	more	ADJ
esutjss-256	18	4	flexibility	flexibility	NOUN
esutjss-256	18	5	than	than	ADP
esutjss-256	18	6	traditional	traditional	ADJ
esutjss-256	18	7	banking	banking	NOUN
esutjss-256	18	8	as	as	SCONJ
esutjss-256	18	9	it	it	PRON
esutjss-256	18	10	gives	give	VERB
esutjss-256	18	11	customers	customer	NOUN
esutjss-256	18	12	opportunity	opportunity	NOUN
esutjss-256	18	13	to	to	PART
esutjss-256	18	14	do	do	AUX
esutjss-256	18	15	wherever	wherever	SCONJ
esutjss-256	18	16	they	they	PRON
esutjss-256	18	17	want	want	VERB
esutjss-256	18	18	any	any	DET
esutjss-256	18	19	time	time	NOUN
esutjss-256	18	20	and	and	CCONJ
esutjss-256	18	21	place	place	NOUN
esutjss-256	18	22	like	like	INTJ
esutjss-256	18	23	in	in	ADP
esutjss-256	18	24	their	their	PRON
esutjss-256	18	25	homes	home	NOUN
esutjss-256	18	26	,	,	PUNCT
esutjss-256	18	27	offices	office	NOUN
esutjss-256	18	28	,	,	PUNCT
esutjss-256	18	29	or	or	CCONJ
esutjss-256	18	30	on	on	ADP
esutjss-256	18	31	the	the	DET
esutjss-256	18	32	go	go	NOUN
esutjss-256	18	33	although	although	SCONJ
esutjss-256	18	34	customer	customer	NOUN
esutjss-256	18	35	support	support	NOUN
esutjss-256	18	36	might	might	AUX
esutjss-256	18	37	not	not	PART
esutjss-256	18	38	be	be	AUX
esutjss-256	18	39	available	available	ADJ
esutjss-256	18	40	at	at	ADP
esutjss-256	18	41	all	all	DET
esutjss-256	18	42	hours	hour	NOUN
esutjss-256	18	43	.	.	PUNCT
esutjss-256	19	1	in	in	ADP
esutjss-256	19	2	nigeria	nigeria	PROPN
esutjss-256	19	3	as	as	ADP
esutjss-256	19	4	of	of	ADP
esutjss-256	19	5	today	today	NOUN
esutjss-256	19	6	all	all	DET
esutjss-256	19	7	the	the	DET
esutjss-256	19	8	financial	financial	ADJ
esutjss-256	19	9	institutions	institution	NOUN
esutjss-256	19	10	have	have	AUX
esutjss-256	19	11	adopted	adopt	VERB
esutjss-256	19	12	online	online	ADJ
esutjss-256	19	13	banking	banking	NOUN
esutjss-256	19	14	as	as	ADP
esutjss-256	19	15	alternative	alternative	ADJ
esutjss-256	19	16	to	to	ADP
esutjss-256	19	17	traditional	traditional	ADJ
esutjss-256	19	18	banking	banking	NOUN
esutjss-256	19	19	method	method	NOUN
esutjss-256	19	20	.	.	PUNCT
esutjss-256	20	1	however	however	ADV
esutjss-256	20	2	despite	despite	SCONJ
esutjss-256	20	3	the	the	DET
esutjss-256	20	4	adoption	adoption	NOUN
esutjss-256	20	5	of	of	ADP
esutjss-256	20	6	online	online	ADJ
esutjss-256	20	7	banking	banking	NOUN
esutjss-256	20	8	,	,	PUNCT
esutjss-256	20	9	many	many	ADJ
esutjss-256	20	10	nigerian	nigerian	ADJ
esutjss-256	20	11	banking	banking	NOUN
esutjss-256	20	12	customers	customer	NOUN
esutjss-256	20	13	are	be	AUX
esutjss-256	20	14	still	still	ADV
esutjss-256	20	15	sluggish	sluggish	ADJ
esutjss-256	20	16	in	in	ADP
esutjss-256	20	17	accepting	accept	VERB
esutjss-256	20	18	these	these	DET
esutjss-256	20	19	technologies	technology	NOUN
esutjss-256	20	20	(	(	PUNCT
esutjss-256	20	21	ndubisi	ndubisi	ADJ
esutjss-256	20	22	,	,	PUNCT
esutjss-256	20	23	2007	2007	NUM
esutjss-256	20	24	)	)	PUNCT
esutjss-256	20	25	.	.	PUNCT
esutjss-256	21	1	this	this	PRON
esutjss-256	21	2	is	be	AUX
esutjss-256	21	3	worrisome	worrisome	ADJ
esutjss-256	21	4	because	because	SCONJ
esutjss-256	21	5	the	the	DET
esutjss-256	21	6	adoption	adoption	NOUN
esutjss-256	21	7	of	of	ADP
esutjss-256	21	8	online	online	ADJ
esutjss-256	21	9	banking	banking	NOUN
esutjss-256	21	10	by	by	ADP
esutjss-256	21	11	customers	customer	NOUN
esutjss-256	21	12	is	be	AUX
esutjss-256	21	13	more	more	ADV
esutjss-256	21	14	important	important	ADJ
esutjss-256	21	15	than	than	ADP
esutjss-256	21	16	the	the	DET
esutjss-256	21	17	services	service	NOUN
esutjss-256	21	18	of	of	ADP
esutjss-256	21	19	sellers	seller	NOUN
esutjss-256	21	20	in	in	ADP
esutjss-256	21	21	terms	term	NOUN
esutjss-256	21	22	of	of	ADP
esutjss-256	21	23	its	its	PRON
esutjss-256	21	24	spread	spread	NOUN
esutjss-256	21	25	.	.	PUNCT
esutjss-256	22	1	although	although	SCONJ
esutjss-256	22	2	customers	customer	NOUN
esutjss-256	22	3	’	'	PUNCT
esutjss-256	22	4	acceptance	acceptance	NOUN
esutjss-256	22	5	is	be	AUX
esutjss-256	22	6	a	a	DET
esutjss-256	22	7	significant	significant	ADJ
esutjss-256	22	8	factor	factor	NOUN
esutjss-256	22	9	mailto:id.ezeanya@unizik.edu.ng	mailto:id.ezeanya@unizik.edu.ng	NOUN
esutjss-256	22	10	https://journals.sagepub.com/doi/full/10.1177/07342829221079948	https://journals.sagepub.com/doi/full/10.1177/07342829221079948	PROPN
esutjss-256	22	11	57	57	NUM
esutjss-256	22	12	in	in	ADP
esutjss-256	22	13	influencing	influence	VERB
esutjss-256	22	14	the	the	DET
esutjss-256	22	15	pace	pace	NOUN
esutjss-256	22	16	of	of	ADP
esutjss-256	22	17	change	change	NOUN
esutjss-256	22	18	in	in	ADP
esutjss-256	22	19	the	the	DET
esutjss-256	22	20	financial	financial	ADJ
esutjss-256	22	21	industry	industry	NOUN
esutjss-256	22	22	,	,	PUNCT
esutjss-256	22	23	empirical	empirical	ADJ
esutjss-256	22	24	investigations	investigation	NOUN
esutjss-256	22	25	on	on	ADP
esutjss-256	22	26	what	what	PRON
esutjss-256	22	27	is	be	AUX
esutjss-256	22	28	holding	hold	VERB
esutjss-256	22	29	customers	customer	NOUN
esutjss-256	22	30	back	back	ADV
esutjss-256	22	31	from	from	ADP
esutjss-256	22	32	accepting	accept	VERB
esutjss-256	22	33	online	online	ADJ
esutjss-256	22	34	banking	banking	NOUN
esutjss-256	22	35	have	have	AUX
esutjss-256	22	36	been	be	AUX
esutjss-256	22	37	sparse	sparse	ADJ
esutjss-256	22	38	.	.	PUNCT
esutjss-256	23	1	in	in	ADP
esutjss-256	23	2	an	an	DET
esutjss-256	23	3	attempt	attempt	NOUN
esutjss-256	23	4	to	to	PART
esutjss-256	23	5	unravel	unravel	VERB
esutjss-256	23	6	some	some	PRON
esutjss-256	23	7	of	of	ADP
esutjss-256	23	8	these	these	DET
esutjss-256	23	9	factors	factor	NOUN
esutjss-256	23	10	,	,	PUNCT
esutjss-256	23	11	this	this	DET
esutjss-256	23	12	research	research	NOUN
esutjss-256	23	13	considers	consider	VERB
esutjss-256	23	14	the	the	DET
esutjss-256	23	15	associations	association	NOUN
esutjss-256	23	16	between	between	ADP
esutjss-256	23	17	customers	customer	NOUN
esutjss-256	23	18	perceived	perceive	VERB
esutjss-256	23	19	risk	risk	NOUN
esutjss-256	23	20	,	,	PUNCT
esutjss-256	23	21	technology	technology	NOUN
esutjss-256	23	22	readiness	readiness	NOUN
esutjss-256	23	23	as	as	ADP
esutjss-256	23	24	major	major	ADJ
esutjss-256	23	25	challenges	challenge	NOUN
esutjss-256	23	26	to	to	ADP
esutjss-256	23	27	students	student	NOUN
esutjss-256	23	28	adoption	adoption	NOUN
esutjss-256	23	29	of	of	ADP
esutjss-256	23	30	online	online	ADJ
esutjss-256	23	31	banking	banking	NOUN
esutjss-256	23	32	.	.	PUNCT
esutjss-256	24	1	perceived	perceive	VERB
esutjss-256	24	2	risk	risk	NOUN
esutjss-256	24	3	plays	play	VERB
esutjss-256	24	4	a	a	DET
esutjss-256	24	5	crucial	crucial	ADJ
esutjss-256	24	6	role	role	NOUN
esutjss-256	24	7	in	in	ADP
esutjss-256	24	8	the	the	DET
esutjss-256	24	9	decision	decision	NOUN
esutjss-256	24	10	-	-	PUNCT
esutjss-256	24	11	making	make	VERB
esutjss-256	24	12	process	process	NOUN
esutjss-256	24	13	of	of	ADP
esutjss-256	24	14	adopting	adopt	VERB
esutjss-256	24	15	new	new	ADJ
esutjss-256	24	16	technologies	technology	NOUN
esutjss-256	24	17	.	.	PUNCT
esutjss-256	25	1	it	it	PRON
esutjss-256	25	2	refers	refer	VERB
esutjss-256	25	3	to	to	ADP
esutjss-256	25	4	the	the	DET
esutjss-256	25	5	potential	potential	ADJ
esutjss-256	25	6	negative	negative	ADJ
esutjss-256	25	7	consequences	consequence	NOUN
esutjss-256	25	8	that	that	PRON
esutjss-256	25	9	users	user	NOUN
esutjss-256	25	10	believe	believe	VERB
esutjss-256	25	11	they	they	PRON
esutjss-256	25	12	might	might	AUX
esutjss-256	25	13	face	face	VERB
esutjss-256	25	14	when	when	SCONJ
esutjss-256	25	15	engaging	engage	VERB
esutjss-256	25	16	with	with	ADP
esutjss-256	25	17	online	online	ADJ
esutjss-256	25	18	banking	banking	NOUN
esutjss-256	25	19	services	service	NOUN
esutjss-256	25	20	,	,	PUNCT
esutjss-256	25	21	such	such	ADJ
esutjss-256	25	22	as	as	ADP
esutjss-256	25	23	financial	financial	ADJ
esutjss-256	25	24	loss	loss	NOUN
esutjss-256	25	25	,	,	PUNCT
esutjss-256	25	26	privacy	privacy	NOUN
esutjss-256	25	27	invasion	invasion	NOUN
esutjss-256	25	28	,	,	PUNCT
esutjss-256	25	29	and	and	CCONJ
esutjss-256	25	30	identity	identity	NOUN
esutjss-256	25	31	theft	theft	NOUN
esutjss-256	25	32	(	(	PUNCT
esutjss-256	25	33	featherman	featherman	NOUN
esutjss-256	25	34	&	&	CCONJ
esutjss-256	25	35	pavlou	pavlou	PROPN
esutjss-256	25	36	,	,	PUNCT
esutjss-256	25	37	2003	2003	NUM
esutjss-256	25	38	)	)	PUNCT
esutjss-256	25	39	.	.	PUNCT
esutjss-256	26	1	these	these	DET
esutjss-256	26	2	perceived	perceive	VERB
esutjss-256	26	3	risks	risk	NOUN
esutjss-256	26	4	can	can	AUX
esutjss-256	26	5	significantly	significantly	ADV
esutjss-256	26	6	deter	deter	VERB
esutjss-256	26	7	individuals	individual	NOUN
esutjss-256	26	8	,	,	PUNCT
esutjss-256	26	9	particularly	particularly	ADV
esutjss-256	26	10	younger	young	ADJ
esutjss-256	26	11	users	user	NOUN
esutjss-256	26	12	who	who	PRON
esutjss-256	26	13	may	may	AUX
esutjss-256	26	14	lack	lack	VERB
esutjss-256	26	15	experience	experience	NOUN
esutjss-256	26	16	and	and	CCONJ
esutjss-256	26	17	confidence	confidence	NOUN
esutjss-256	26	18	in	in	ADP
esutjss-256	26	19	managing	manage	VERB
esutjss-256	26	20	online	online	ADJ
esutjss-256	26	21	financial	financial	ADJ
esutjss-256	26	22	transactions	transaction	NOUN
esutjss-256	26	23	.	.	PUNCT
esutjss-256	27	1	researches	research	NOUN
esutjss-256	27	2	has	have	AUX
esutjss-256	27	3	shown	show	VERB
esutjss-256	27	4	that	that	SCONJ
esutjss-256	27	5	risk	risk	NOUN
esutjss-256	27	6	perception	perception	NOUN
esutjss-256	27	7	influences	influence	VERB
esutjss-256	27	8	customers	customer	NOUN
esutjss-256	27	9	’	’	PART
esutjss-256	27	10	intention	intention	NOUN
esutjss-256	27	11	and	and	CCONJ
esutjss-256	27	12	behaviour	behaviour	NOUN
esutjss-256	27	13	(	(	PUNCT
esutjss-256	27	14	zhou	zhou	X
esutjss-256	27	15	et	et	PROPN
esutjss-256	27	16	al	al	PROPN
esutjss-256	27	17	.	.	PROPN
esutjss-256	27	18	,	,	PUNCT
esutjss-256	27	19	2021	2021	NUM
esutjss-256	27	20	;	;	PUNCT
esutjss-256	27	21	nguyen	nguyen	NOUN
esutjss-256	27	22	,	,	PUNCT
esutjss-256	27	23	et	et	PROPN
esutjss-256	27	24	al	al	PROPN
esutjss-256	27	25	.	.	PROPN
esutjss-256	27	26	,	,	PUNCT
esutjss-256	27	27	2021	2021	NUM
esutjss-256	27	28	;	;	PUNCT
esutjss-256	28	1	forsythe	forsythe	PROPN
esutjss-256	28	2	et	et	PROPN
esutjss-256	28	3	al	al	PROPN
esutjss-256	28	4	.	.	PROPN
esutjss-256	28	5	,	,	PUNCT
esutjss-256	28	6	2020	2020	NUM
esutjss-256	28	7	,	,	PUNCT
esutjss-256	28	8	ezeanya	ezeanya	PROPN
esutjss-256	28	9	et	et	PROPN
esutjss-256	28	10	al	al	PROPN
esutjss-256	28	11	.	.	PROPN
esutjss-256	28	12	,	,	PUNCT
esutjss-256	28	13	2023	2023	NUM
esutjss-256	28	14	)	)	PUNCT
esutjss-256	28	15	.	.	PUNCT
esutjss-256	29	1	the	the	DET
esutjss-256	29	2	relationship	relationship	NOUN
esutjss-256	29	3	between	between	ADP
esutjss-256	29	4	perceived	perceive	VERB
esutjss-256	29	5	risk	risk	NOUN
esutjss-256	29	6	and	and	CCONJ
esutjss-256	29	7	online	online	ADJ
esutjss-256	29	8	banking	banking	NOUN
esutjss-256	29	9	is	be	AUX
esutjss-256	29	10	critical	critical	ADJ
esutjss-256	29	11	in	in	ADP
esutjss-256	29	12	understanding	understand	VERB
esutjss-256	29	13	consumer	consumer	NOUN
esutjss-256	29	14	behavior	behavior	NOUN
esutjss-256	29	15	and	and	CCONJ
esutjss-256	29	16	adoption	adoption	NOUN
esutjss-256	29	17	of	of	ADP
esutjss-256	29	18	digital	digital	ADJ
esutjss-256	29	19	financial	financial	ADJ
esutjss-256	29	20	services	service	NOUN
esutjss-256	29	21	.	.	PUNCT
esutjss-256	30	1	perceived	perceive	VERB
esutjss-256	30	2	risk	risk	NOUN
esutjss-256	30	3	in	in	ADP
esutjss-256	30	4	the	the	DET
esutjss-256	30	5	context	context	NOUN
esutjss-256	30	6	of	of	ADP
esutjss-256	30	7	online	online	ADJ
esutjss-256	30	8	banking	banking	NOUN
esutjss-256	30	9	refers	refer	VERB
esutjss-256	30	10	to	to	ADP
esutjss-256	30	11	the	the	DET
esutjss-256	30	12	potential	potential	ADJ
esutjss-256	30	13	negative	negative	ADJ
esutjss-256	30	14	consequences	consequence	NOUN
esutjss-256	30	15	that	that	PRON
esutjss-256	30	16	consumers	consumer	NOUN
esutjss-256	30	17	associate	associate	VERB
esutjss-256	30	18	with	with	ADP
esutjss-256	30	19	using	use	VERB
esutjss-256	30	20	these	these	DET
esutjss-256	30	21	digital	digital	ADJ
esutjss-256	30	22	services	service	NOUN
esutjss-256	30	23	,	,	PUNCT
esutjss-256	30	24	such	such	ADJ
esutjss-256	30	25	as	as	ADP
esutjss-256	30	26	financial	financial	ADJ
esutjss-256	30	27	loss	loss	NOUN
esutjss-256	30	28	,	,	PUNCT
esutjss-256	30	29	privacy	privacy	NOUN
esutjss-256	30	30	breaches	breach	NOUN
esutjss-256	30	31	,	,	PUNCT
esutjss-256	30	32	and	and	CCONJ
esutjss-256	30	33	fraud	fraud	NOUN
esutjss-256	30	34	.	.	PUNCT
esutjss-256	31	1	this	this	DET
esutjss-256	31	2	perceived	perceive	VERB
esutjss-256	31	3	risk	risk	NOUN
esutjss-256	31	4	can	can	AUX
esutjss-256	31	5	significantly	significantly	ADV
esutjss-256	31	6	influence	influence	VERB
esutjss-256	31	7	a	a	DET
esutjss-256	31	8	consumer	consumer	NOUN
esutjss-256	31	9	’s	’s	PART
esutjss-256	31	10	decision	decision	NOUN
esutjss-256	31	11	to	to	PART
esutjss-256	31	12	adopt	adopt	VERB
esutjss-256	31	13	or	or	CCONJ
esutjss-256	31	14	continue	continue	VERB
esutjss-256	31	15	using	use	VERB
esutjss-256	31	16	online	online	ADJ
esutjss-256	31	17	banking	banking	NOUN
esutjss-256	31	18	services	service	NOUN
esutjss-256	31	19	.	.	PUNCT
esutjss-256	32	1	in	in	ADP
esutjss-256	32	2	a	a	DET
esutjss-256	32	3	study	study	NOUN
esutjss-256	32	4	conducted	conduct	VERB
esutjss-256	32	5	by	by	ADP
esutjss-256	32	6	alalwan	alalwan	PROPN
esutjss-256	32	7	et	et	PROPN
esutjss-256	32	8	al	al	PROPN
esutjss-256	32	9	.	.	PROPN
esutjss-256	32	10	,	,	PUNCT
esutjss-256	32	11	(	(	PUNCT
esutjss-256	32	12	2018	2018	NUM
esutjss-256	32	13	)	)	PUNCT
esutjss-256	32	14	they	they	PRON
esutjss-256	32	15	discovered	discover	VERB
esutjss-256	32	16	that	that	SCONJ
esutjss-256	32	17	the	the	PRON
esutjss-256	32	18	higher	high	ADJ
esutjss-256	32	19	the	the	DET
esutjss-256	32	20	perceived	perceive	VERB
esutjss-256	32	21	risk	risk	NOUN
esutjss-256	32	22	,	,	PUNCT
esutjss-256	32	23	the	the	PRON
esutjss-256	32	24	lower	low	ADJ
esutjss-256	32	25	the	the	DET
esutjss-256	32	26	likelihood	likelihood	NOUN
esutjss-256	32	27	of	of	ADP
esutjss-256	32	28	consumers	consumer	NOUN
esutjss-256	32	29	engaging	engage	VERB
esutjss-256	32	30	with	with	ADP
esutjss-256	32	31	online	online	ADJ
esutjss-256	32	32	banking	banking	NOUN
esutjss-256	32	33	.	.	PUNCT
esutjss-256	33	1	this	this	DET
esutjss-256	33	2	study	study	NOUN
esutjss-256	33	3	found	find	VERB
esutjss-256	33	4	that	that	SCONJ
esutjss-256	33	5	concerns	concern	NOUN
esutjss-256	33	6	over	over	ADP
esutjss-256	33	7	security	security	NOUN
esutjss-256	33	8	,	,	PUNCT
esutjss-256	33	9	particularly	particularly	ADV
esutjss-256	33	10	regarding	regard	VERB
esutjss-256	33	11	the	the	DET
esutjss-256	33	12	protection	protection	NOUN
esutjss-256	33	13	of	of	ADP
esutjss-256	33	14	personal	personal	ADJ
esutjss-256	33	15	and	and	CCONJ
esutjss-256	33	16	financial	financial	ADJ
esutjss-256	33	17	data	datum	NOUN
esutjss-256	33	18	,	,	PUNCT
esutjss-256	33	19	are	be	AUX
esutjss-256	33	20	the	the	DET
esutjss-256	33	21	primary	primary	ADJ
esutjss-256	33	22	drivers	driver	NOUN
esutjss-256	33	23	of	of	ADP
esutjss-256	33	24	perceived	perceive	VERB
esutjss-256	33	25	risk	risk	NOUN
esutjss-256	33	26	,	,	PUNCT
esutjss-256	33	27	which	which	PRON
esutjss-256	33	28	can	can	AUX
esutjss-256	33	29	lead	lead	VERB
esutjss-256	33	30	to	to	ADP
esutjss-256	33	31	hesitation	hesitation	NOUN
esutjss-256	33	32	or	or	CCONJ
esutjss-256	33	33	outright	outright	ADJ
esutjss-256	33	34	rejection	rejection	NOUN
esutjss-256	33	35	of	of	ADP
esutjss-256	33	36	online	online	ADJ
esutjss-256	33	37	banking	banking	NOUN
esutjss-256	33	38	services	service	NOUN
esutjss-256	33	39	.	.	PUNCT
esutjss-256	34	1	technology	technology	NOUN
esutjss-256	34	2	readiness	readiness	NOUN
esutjss-256	34	3	,	,	PUNCT
esutjss-256	34	4	on	on	ADP
esutjss-256	34	5	the	the	DET
esutjss-256	34	6	other	other	ADJ
esutjss-256	34	7	hand	hand	NOUN
esutjss-256	34	8	,	,	PUNCT
esutjss-256	34	9	reflects	reflect	VERB
esutjss-256	34	10	an	an	DET
esutjss-256	34	11	individual	individual	NOUN
esutjss-256	34	12	's	's	PART
esutjss-256	34	13	propensity	propensity	NOUN
esutjss-256	34	14	to	to	PART
esutjss-256	34	15	embrace	embrace	VERB
esutjss-256	34	16	and	and	CCONJ
esutjss-256	34	17	utilize	utilize	VERB
esutjss-256	34	18	new	new	ADJ
esutjss-256	34	19	technologies	technology	NOUN
esutjss-256	34	20	for	for	ADP
esutjss-256	34	21	accomplishing	accomplish	VERB
esutjss-256	34	22	goals	goal	NOUN
esutjss-256	34	23	in	in	ADP
esutjss-256	34	24	their	their	PRON
esutjss-256	34	25	personal	personal	ADJ
esutjss-256	34	26	and	and	CCONJ
esutjss-256	34	27	professional	professional	ADJ
esutjss-256	34	28	lives	life	NOUN
esutjss-256	34	29	(	(	PUNCT
esutjss-256	34	30	yuen	yuen	NOUN
esutjss-256	34	31	et	et	PROPN
esutjss-256	34	32	al	al	PROPN
esutjss-256	34	33	.	.	PROPN
esutjss-256	34	34	,	,	PUNCT
esutjss-256	34	35	2021	2021	NUM
esutjss-256	34	36	)	)	PUNCT
esutjss-256	34	37	.	.	PUNCT
esutjss-256	35	1	it	it	PRON
esutjss-256	35	2	encompasses	encompass	VERB
esutjss-256	35	3	multiple	multiple	ADJ
esutjss-256	35	4	dimensions	dimension	NOUN
esutjss-256	35	5	such	such	ADJ
esutjss-256	35	6	as	as	ADP
esutjss-256	35	7	optimism	optimism	NOUN
esutjss-256	35	8	,	,	PUNCT
esutjss-256	35	9	innovativeness	innovativeness	NOUN
esutjss-256	35	10	,	,	PUNCT
esutjss-256	35	11	discomfort	discomfort	NOUN
esutjss-256	35	12	,	,	PUNCT
esutjss-256	35	13	and	and	CCONJ
esutjss-256	35	14	insecurity	insecurity	NOUN
esutjss-256	35	15	towards	towards	ADP
esutjss-256	35	16	technology	technology	NOUN
esutjss-256	35	17	(	(	PUNCT
esutjss-256	35	18	parasuraman	parasuraman	NOUN
esutjss-256	35	19	,	,	PUNCT
esutjss-256	35	20	&	&	CCONJ
esutjss-256	35	21	colby	colby	PROPN
esutjss-256	35	22	,	,	PUNCT
esutjss-256	35	23	2015	2015	NUM
esutjss-256	35	24	)	)	PUNCT
esutjss-256	35	25	.	.	PUNCT
esutjss-256	36	1	knowledge	knowledge	NOUN
esutjss-256	36	2	and	and	CCONJ
esutjss-256	36	3	disposition	disposition	NOUN
esutjss-256	36	4	to	to	PART
esutjss-256	36	5	embrace	embrace	VERB
esutjss-256	36	6	new	new	ADJ
esutjss-256	36	7	technology	technology	NOUN
esutjss-256	36	8	can	can	AUX
esutjss-256	36	9	mitigate	mitigate	VERB
esutjss-256	36	10	concerns	concern	NOUN
esutjss-256	36	11	related	relate	VERB
esutjss-256	36	12	to	to	ADP
esutjss-256	36	13	perceived	perceive	VERB
esutjss-256	36	14	risks	risk	NOUN
esutjss-256	36	15	and	and	CCONJ
esutjss-256	36	16	encourage	encourage	VERB
esutjss-256	36	17	the	the	DET
esutjss-256	36	18	adoption	adoption	NOUN
esutjss-256	36	19	of	of	ADP
esutjss-256	36	20	online	online	ADJ
esutjss-256	36	21	banking	banking	NOUN
esutjss-256	36	22	among	among	ADP
esutjss-256	36	23	undergraduates	undergraduate	NOUN
esutjss-256	36	24	.	.	PUNCT
esutjss-256	37	1	tseng	tseng	PROPN
esutjss-256	37	2	et	et	PROPN
esutjss-256	37	3	al	al	PROPN
esutjss-256	37	4	.	.	PROPN
esutjss-256	37	5	(	(	PUNCT
esutjss-256	37	6	2021	2021	NUM
esutjss-256	37	7	)	)	PUNCT
esutjss-256	37	8	argue	argue	VERB
esutjss-256	37	9	that	that	SCONJ
esutjss-256	37	10	individuals	individual	NOUN
esutjss-256	37	11	with	with	ADP
esutjss-256	37	12	higher	high	ADJ
esutjss-256	37	13	technology	technology	NOUN
esutjss-256	37	14	readiness	readiness	NOUN
esutjss-256	37	15	are	be	AUX
esutjss-256	37	16	more	more	ADV
esutjss-256	37	17	likely	likely	ADJ
esutjss-256	37	18	to	to	PART
esutjss-256	37	19	adopt	adopt	VERB
esutjss-256	37	20	and	and	CCONJ
esutjss-256	37	21	benefit	benefit	VERB
esutjss-256	37	22	from	from	ADP
esutjss-256	37	23	new	new	ADJ
esutjss-256	37	24	technologies	technology	NOUN
esutjss-256	37	25	,	,	PUNCT
esutjss-256	37	26	including	include	VERB
esutjss-256	37	27	online	online	ADJ
esutjss-256	37	28	banking	banking	NOUN
esutjss-256	37	29	.	.	PUNCT
esutjss-256	38	1	individuals	individual	NOUN
esutjss-256	38	2	with	with	ADP
esutjss-256	38	3	higher	high	ADJ
esutjss-256	38	4	levels	level	NOUN
esutjss-256	38	5	of	of	ADP
esutjss-256	38	6	technology	technology	NOUN
esutjss-256	38	7	readiness	readiness	NOUN
esutjss-256	38	8	are	be	AUX
esutjss-256	38	9	more	more	ADV
esutjss-256	38	10	likely	likely	ADJ
esutjss-256	38	11	to	to	PART
esutjss-256	38	12	perceive	perceive	VERB
esutjss-256	38	13	online	online	ADJ
esutjss-256	38	14	banking	banking	NOUN
esutjss-256	38	15	as	as	ADP
esutjss-256	38	16	beneficial	beneficial	ADJ
esutjss-256	38	17	and	and	CCONJ
esutjss-256	38	18	manageable	manageable	ADJ
esutjss-256	38	19	,	,	PUNCT
esutjss-256	38	20	thus	thus	ADV
esutjss-256	38	21	demonstrating	demonstrate	VERB
esutjss-256	38	22	a	a	DET
esutjss-256	38	23	greater	great	ADJ
esutjss-256	38	24	willingness	willingness	NOUN
esutjss-256	38	25	to	to	PART
esutjss-256	38	26	adopt	adopt	VERB
esutjss-256	38	27	such	such	ADJ
esutjss-256	38	28	services	service	NOUN
esutjss-256	38	29	(	(	PUNCT
esutjss-256	38	30	martins	martin	NOUN
esutjss-256	38	31	et	et	NOUN
esutjss-256	38	32	al	al	PROPN
esutjss-256	38	33	.	.	PROPN
esutjss-256	38	34	,	,	PUNCT
esutjss-256	38	35	2014	2014	NUM
esutjss-256	38	36	)	)	PUNCT
esutjss-256	38	37	.	.	PUNCT
esutjss-256	39	1	yuen	yuen	PROPN
esutjss-256	39	2	et	et	PROPN
esutjss-256	39	3	al	al	PROPN
esutjss-256	39	4	.	.	PROPN
esutjss-256	40	1	(	(	PUNCT
esutjss-256	40	2	2021	2021	NUM
esutjss-256	40	3	)	)	PUNCT
esutjss-256	40	4	observe	observe	VERB
esutjss-256	40	5	that	that	SCONJ
esutjss-256	40	6	technology	technology	NOUN
esutjss-256	40	7	readiness	readiness	NOUN
esutjss-256	40	8	plays	play	VERB
esutjss-256	40	9	a	a	DET
esutjss-256	40	10	crucial	crucial	ADJ
esutjss-256	40	11	role	role	NOUN
esutjss-256	40	12	in	in	ADP
esutjss-256	40	13	determining	determine	VERB
esutjss-256	40	14	the	the	DET
esutjss-256	40	15	adoption	adoption	NOUN
esutjss-256	40	16	and	and	CCONJ
esutjss-256	40	17	usage	usage	NOUN
esutjss-256	40	18	of	of	ADP
esutjss-256	40	19	online	online	ADJ
esutjss-256	40	20	banking	banking	NOUN
esutjss-256	40	21	services	service	NOUN
esutjss-256	40	22	.	.	PUNCT
esutjss-256	41	1	in	in	ADP
esutjss-256	41	2	a	a	DET
esutjss-256	41	3	study	study	NOUN
esutjss-256	41	4	conducted	conduct	VERB
esutjss-256	41	5	by	by	ADP
esutjss-256	41	6	rahi	rahi	PROPN
esutjss-256	41	7	et	et	PROPN
esutjss-256	41	8	al	al	PROPN
esutjss-256	41	9	.	.	PROPN
esutjss-256	42	1	(	(	PUNCT
esutjss-256	42	2	2018	2018	NUM
esutjss-256	42	3	)	)	PUNCT
esutjss-256	42	4	they	they	PRON
esutjss-256	42	5	observed	observe	VERB
esutjss-256	42	6	that	that	SCONJ
esutjss-256	42	7	individuals	individual	NOUN
esutjss-256	42	8	with	with	ADP
esutjss-256	42	9	higher	high	ADJ
esutjss-256	42	10	technology	technology	NOUN
esutjss-256	42	11	readiness	readiness	NOUN
esutjss-256	42	12	are	be	AUX
esutjss-256	42	13	less	less	ADV
esutjss-256	42	14	likely	likely	ADJ
esutjss-256	42	15	to	to	PART
esutjss-256	42	16	perceive	perceive	VERB
esutjss-256	42	17	online	online	ADJ
esutjss-256	42	18	banking	banking	NOUN
esutjss-256	42	19	as	as	ADP
esutjss-256	42	20	risky	risky	ADJ
esutjss-256	42	21	,	,	PUNCT
esutjss-256	42	22	as	as	SCONJ
esutjss-256	42	23	they	they	PRON
esutjss-256	42	24	feel	feel	VERB
esutjss-256	42	25	more	more	ADV
esutjss-256	42	26	capable	capable	ADJ
esutjss-256	42	27	of	of	ADP
esutjss-256	42	28	managing	manage	VERB
esutjss-256	42	29	potential	potential	ADJ
esutjss-256	42	30	technological	technological	ADJ
esutjss-256	42	31	challenges	challenge	NOUN
esutjss-256	42	32	and	and	CCONJ
esutjss-256	42	33	security	security	NOUN
esutjss-256	42	34	concerns	concern	NOUN
esutjss-256	42	35	that	that	PRON
esutjss-256	42	36	may	may	AUX
esutjss-256	42	37	arise	arise	VERB
esutjss-256	42	38	.	.	PUNCT
esutjss-256	43	1	this	this	DET
esutjss-256	43	2	readiness	readiness	NOUN
esutjss-256	43	3	reduces	reduce	VERB
esutjss-256	43	4	the	the	DET
esutjss-256	43	5	psychological	psychological	ADJ
esutjss-256	43	6	barriers	barrier	NOUN
esutjss-256	43	7	associated	associate	VERB
esutjss-256	43	8	with	with	ADP
esutjss-256	43	9	online	online	ADJ
esutjss-256	43	10	banking	banking	NOUN
esutjss-256	43	11	and	and	CCONJ
esutjss-256	43	12	increases	increase	VERB
esutjss-256	43	13	the	the	DET
esutjss-256	43	14	likelihood	likelihood	NOUN
esutjss-256	43	15	of	of	ADP
esutjss-256	43	16	regular	regular	ADJ
esutjss-256	43	17	usage	usage	NOUN
esutjss-256	43	18	.	.	PUNCT
esutjss-256	44	1	moreover	moreover	ADV
esutjss-256	44	2	,	,	PUNCT
esutjss-256	44	3	technology	technology	NOUN
esutjss-256	44	4	readiness	readiness	NOUN
esutjss-256	44	5	has	have	AUX
esutjss-256	44	6	been	be	AUX
esutjss-256	44	7	found	find	VERB
esutjss-256	44	8	to	to	PART
esutjss-256	44	9	directly	directly	ADV
esutjss-256	44	10	influence	influence	VERB
esutjss-256	44	11	the	the	DET
esutjss-256	44	12	perceived	perceive	VERB
esutjss-256	44	13	ease	ease	NOUN
esutjss-256	44	14	of	of	ADP
esutjss-256	44	15	use	use	NOUN
esutjss-256	44	16	and	and	CCONJ
esutjss-256	44	17	usefulness	usefulness	NOUN
esutjss-256	44	18	of	of	ADP
esutjss-256	44	19	online	online	ADJ
esutjss-256	44	20	banking	banking	NOUN
esutjss-256	44	21	platforms	platform	NOUN
esutjss-256	44	22	,	,	PUNCT
esutjss-256	44	23	which	which	PRON
esutjss-256	44	24	are	be	AUX
esutjss-256	44	25	key	key	ADJ
esutjss-256	44	26	determinants	determinant	NOUN
esutjss-256	44	27	in	in	ADP
esutjss-256	44	28	the	the	DET
esutjss-256	44	29	technology	technology	NOUN
esutjss-256	44	30	acceptance	acceptance	NOUN
esutjss-256	44	31	model	model	NOUN
esutjss-256	44	32	(	(	PUNCT
esutjss-256	44	33	tam	tam	PROPN
esutjss-256	44	34	)	)	PUNCT
esutjss-256	44	35	.	.	PUNCT
esutjss-256	45	1	featherman	featherman	PROPN
esutjss-256	45	2	and	and	CCONJ
esutjss-256	45	3	hajli	hajli	PROPN
esutjss-256	45	4	,	,	PUNCT
esutjss-256	45	5	(	(	PUNCT
esutjss-256	45	6	2016	2016	NUM
esutjss-256	45	7	)	)	PUNCT
esutjss-256	45	8	found	find	VERB
esutjss-256	45	9	that	that	SCONJ
esutjss-256	45	10	individuals	individual	NOUN
esutjss-256	45	11	who	who	PRON
esutjss-256	45	12	are	be	AUX
esutjss-256	45	13	technologically	technologically	ADV
esutjss-256	45	14	ready	ready	ADJ
esutjss-256	45	15	are	be	AUX
esutjss-256	45	16	more	more	ADV
esutjss-256	45	17	inclined	inclined	ADJ
esutjss-256	45	18	to	to	PART
esutjss-256	45	19	find	find	VERB
esutjss-256	45	20	online	online	ADJ
esutjss-256	45	21	banking	banking	NOUN
esutjss-256	45	22	convenient	convenient	ADJ
esutjss-256	45	23	and	and	CCONJ
esutjss-256	45	24	efficient	efficient	ADJ
esutjss-256	45	25	,	,	PUNCT
esutjss-256	45	26	which	which	PRON
esutjss-256	45	27	further	far	ADV
esutjss-256	45	28	drives	drive	VERB
esutjss-256	45	29	their	their	PRON
esutjss-256	45	30	adoption	adoption	NOUN
esutjss-256	45	31	and	and	CCONJ
esutjss-256	45	32	continued	continue	VERB
esutjss-256	45	33	use	use	NOUN
esutjss-256	45	34	of	of	ADP
esutjss-256	45	35	these	these	DET
esutjss-256	45	36	services	service	NOUN
esutjss-256	45	37	.	.	PUNCT
esutjss-256	46	1	this	this	DET
esutjss-256	46	2	relationship	relationship	NOUN
esutjss-256	46	3	indicates	indicate	VERB
esutjss-256	46	4	that	that	SCONJ
esutjss-256	46	5	as	as	ADP
esutjss-256	46	6	technology	technology	NOUN
esutjss-256	46	7	readiness	readiness	NOUN
esutjss-256	46	8	increases	increase	NOUN
esutjss-256	46	9	,	,	PUNCT
esutjss-256	46	10	users	user	NOUN
esutjss-256	46	11	are	be	AUX
esutjss-256	46	12	more	more	ADV
esutjss-256	46	13	likely	likely	ADJ
esutjss-256	46	14	to	to	PART
esutjss-256	46	15	perceive	perceive	VERB
esutjss-256	46	16	online	online	ADJ
esutjss-256	46	17	banking	banking	NOUN
esutjss-256	46	18	as	as	ADP
esutjss-256	46	19	a	a	DET
esutjss-256	46	20	beneficial	beneficial	ADJ
esutjss-256	46	21	tool	tool	NOUN
esutjss-256	46	22	for	for	ADP
esutjss-256	46	23	managing	manage	VERB
esutjss-256	46	24	their	their	PRON
esutjss-256	46	25	finances	finance	NOUN
esutjss-256	46	26	,	,	PUNCT
esutjss-256	46	27	leading	lead	VERB
esutjss-256	46	28	to	to	ADP
esutjss-256	46	29	higher	high	ADJ
esutjss-256	46	30	adoption	adoption	NOUN
esutjss-256	46	31	rates	rate	NOUN
esutjss-256	46	32	.	.	PUNCT
esutjss-256	47	1	58	58	NUM
esutjss-256	48	1	furthermore	furthermore	ADV
esutjss-256	48	2	,	,	PUNCT
esutjss-256	48	3	the	the	DET
esutjss-256	48	4	relationship	relationship	NOUN
esutjss-256	48	5	between	between	ADP
esutjss-256	48	6	technology	technology	NOUN
esutjss-256	48	7	readiness	readiness	NOUN
esutjss-256	48	8	and	and	CCONJ
esutjss-256	48	9	online	online	ADJ
esutjss-256	48	10	banking	banking	NOUN
esutjss-256	48	11	has	have	VERB
esutjss-256	48	12	implications	implication	NOUN
esutjss-256	48	13	for	for	ADP
esutjss-256	48	14	financial	financial	ADJ
esutjss-256	48	15	institutions	institution	NOUN
esutjss-256	48	16	seeking	seek	VERB
esutjss-256	48	17	to	to	PART
esutjss-256	48	18	expand	expand	VERB
esutjss-256	48	19	their	their	PRON
esutjss-256	48	20	digital	digital	ADJ
esutjss-256	48	21	user	user	NOUN
esutjss-256	48	22	base	base	NOUN
esutjss-256	48	23	.	.	PUNCT
esutjss-256	49	1	banks	bank	NOUN
esutjss-256	49	2	that	that	PRON
esutjss-256	49	3	target	target	VERB
esutjss-256	49	4	individuals	individual	NOUN
esutjss-256	49	5	with	with	ADP
esutjss-256	49	6	lower	low	ADJ
esutjss-256	49	7	levels	level	NOUN
esutjss-256	49	8	of	of	ADP
esutjss-256	49	9	technology	technology	NOUN
esutjss-256	49	10	readiness	readiness	NOUN
esutjss-256	49	11	may	may	AUX
esutjss-256	49	12	need	need	VERB
esutjss-256	49	13	to	to	PART
esutjss-256	49	14	invest	invest	VERB
esutjss-256	49	15	in	in	ADP
esutjss-256	49	16	educational	educational	ADJ
esutjss-256	49	17	programs	program	NOUN
esutjss-256	49	18	or	or	CCONJ
esutjss-256	49	19	user	user	NOUN
esutjss-256	49	20	-	-	PUNCT
esutjss-256	49	21	friendly	friendly	ADJ
esutjss-256	49	22	technologies	technology	NOUN
esutjss-256	49	23	to	to	PART
esutjss-256	49	24	bridge	bridge	VERB
esutjss-256	49	25	the	the	DET
esutjss-256	49	26	gap	gap	NOUN
esutjss-256	49	27	.	.	PUNCT
esutjss-256	50	1	this	this	DET
esutjss-256	50	2	approach	approach	NOUN
esutjss-256	50	3	can	can	AUX
esutjss-256	50	4	help	help	VERB
esutjss-256	50	5	reduce	reduce	VERB
esutjss-256	50	6	the	the	DET
esutjss-256	50	7	learning	learn	VERB
esutjss-256	50	8	curve	curve	NOUN
esutjss-256	50	9	associated	associate	VERB
esutjss-256	50	10	with	with	ADP
esutjss-256	50	11	online	online	ADJ
esutjss-256	50	12	banking	banking	NOUN
esutjss-256	50	13	and	and	CCONJ
esutjss-256	50	14	foster	foster	VERB
esutjss-256	50	15	greater	great	ADJ
esutjss-256	50	16	confidence	confidence	NOUN
esutjss-256	50	17	among	among	ADP
esutjss-256	50	18	users	user	NOUN
esutjss-256	50	19	,	,	PUNCT
esutjss-256	50	20	ultimately	ultimately	ADV
esutjss-256	50	21	leading	lead	VERB
esutjss-256	50	22	to	to	ADP
esutjss-256	50	23	increased	increase	VERB
esutjss-256	50	24	adoption	adoption	NOUN
esutjss-256	50	25	.	.	PUNCT
esutjss-256	51	1	chuang	chuang	PROPN
esutjss-256	51	2	et	et	PROPN
esutjss-256	51	3	al	al	PROPN
esutjss-256	51	4	.	.	PROPN
esutjss-256	51	5	(	(	PUNCT
esutjss-256	51	6	2020	2020	NUM
esutjss-256	51	7	)	)	PUNCT
esutjss-256	51	8	reinforced	reinforce	VERB
esutjss-256	51	9	this	this	DET
esutjss-256	51	10	view	view	NOUN
esutjss-256	51	11	by	by	ADP
esutjss-256	51	12	showing	show	VERB
esutjss-256	51	13	that	that	SCONJ
esutjss-256	51	14	banks	bank	NOUN
esutjss-256	51	15	that	that	PRON
esutjss-256	51	16	invest	invest	VERB
esutjss-256	51	17	in	in	ADP
esutjss-256	51	18	enhancing	enhance	VERB
esutjss-256	51	19	their	their	PRON
esutjss-256	51	20	customers	customer	NOUN
esutjss-256	51	21	'	'	PART
esutjss-256	51	22	technology	technology	NOUN
esutjss-256	51	23	readiness	readiness	NOUN
esutjss-256	51	24	through	through	ADP
esutjss-256	51	25	training	training	NOUN
esutjss-256	51	26	and	and	CCONJ
esutjss-256	51	27	support	support	NOUN
esutjss-256	51	28	services	service	NOUN
esutjss-256	51	29	see	see	VERB
esutjss-256	51	30	higher	high	ADJ
esutjss-256	51	31	engagement	engagement	NOUN
esutjss-256	51	32	with	with	ADP
esutjss-256	51	33	their	their	PRON
esutjss-256	51	34	online	online	ADJ
esutjss-256	51	35	platforms	platform	NOUN
esutjss-256	51	36	,	,	PUNCT
esutjss-256	51	37	highlighting	highlight	VERB
esutjss-256	51	38	the	the	DET
esutjss-256	51	39	importance	importance	NOUN
esutjss-256	51	40	of	of	ADP
esutjss-256	51	41	this	this	DET
esutjss-256	51	42	relationship	relationship	NOUN
esutjss-256	51	43	in	in	ADP
esutjss-256	51	44	the	the	DET
esutjss-256	51	45	broader	broad	ADJ
esutjss-256	51	46	digital	digital	ADJ
esutjss-256	51	47	banking	banking	NOUN
esutjss-256	51	48	ecosystem	ecosystem	NOUN
esutjss-256	51	49	.	.	PUNCT
esutjss-256	52	1	from	from	ADP
esutjss-256	52	2	the	the	DET
esutjss-256	52	3	literature	literature	NOUN
esutjss-256	52	4	,	,	PUNCT
esutjss-256	52	5	it	it	PRON
esutjss-256	52	6	is	be	AUX
esutjss-256	52	7	evident	evident	ADJ
esutjss-256	52	8	that	that	SCONJ
esutjss-256	52	9	the	the	DET
esutjss-256	52	10	interplay	interplay	NOUN
esutjss-256	52	11	between	between	ADP
esutjss-256	52	12	perceived	perceive	VERB
esutjss-256	52	13	risk	risk	NOUN
esutjss-256	52	14	and	and	CCONJ
esutjss-256	52	15	technology	technology	NOUN
esutjss-256	52	16	readiness	readiness	NOUN
esutjss-256	52	17	in	in	ADP
esutjss-256	52	18	the	the	DET
esutjss-256	52	19	context	context	NOUN
esutjss-256	52	20	of	of	ADP
esutjss-256	52	21	online	online	ADJ
esutjss-256	52	22	banking	banking	NOUN
esutjss-256	52	23	adoption	adoption	NOUN
esutjss-256	52	24	among	among	ADP
esutjss-256	52	25	undergraduates	undergraduate	NOUN
esutjss-256	52	26	in	in	ADP
esutjss-256	52	27	nigeria	nigeria	PROPN
esutjss-256	52	28	has	have	AUX
esutjss-256	52	29	not	not	PART
esutjss-256	52	30	been	be	AUX
esutjss-256	52	31	thoroughly	thoroughly	ADV
esutjss-256	52	32	explored	explore	VERB
esutjss-256	52	33	.	.	PUNCT
esutjss-256	53	1	in	in	ADP
esutjss-256	53	2	this	this	DET
esutjss-256	53	3	sense	sense	NOUN
esutjss-256	53	4	,	,	PUNCT
esutjss-256	53	5	investigating	investigate	VERB
esutjss-256	53	6	the	the	DET
esutjss-256	53	7	relational	relational	ADJ
esutjss-256	53	8	dynamics	dynamic	NOUN
esutjss-256	53	9	between	between	ADP
esutjss-256	53	10	perceived	perceive	VERB
esutjss-256	53	11	risk	risk	NOUN
esutjss-256	53	12	,	,	PUNCT
esutjss-256	53	13	technology	technology	NOUN
esutjss-256	53	14	readiness	readiness	NOUN
esutjss-256	53	15	,	,	PUNCT
esutjss-256	53	16	and	and	CCONJ
esutjss-256	53	17	the	the	DET
esutjss-256	53	18	adoption	adoption	NOUN
esutjss-256	53	19	of	of	ADP
esutjss-256	53	20	online	online	ADJ
esutjss-256	53	21	banking	banking	NOUN
esutjss-256	53	22	among	among	ADP
esutjss-256	53	23	undergraduates	undergraduate	NOUN
esutjss-256	53	24	in	in	ADP
esutjss-256	53	25	nigeria	nigeria	PROPN
esutjss-256	53	26	is	be	AUX
esutjss-256	53	27	timely	timely	ADJ
esutjss-256	53	28	.	.	PUNCT
esutjss-256	54	1	the	the	DET
esutjss-256	54	2	study	study	NOUN
esutjss-256	54	3	provides	provide	VERB
esutjss-256	54	4	insights	insight	NOUN
esutjss-256	54	5	into	into	ADP
esutjss-256	54	6	how	how	SCONJ
esutjss-256	54	7	these	these	DET
esutjss-256	54	8	factors	factor	NOUN
esutjss-256	54	9	interact	interact	VERB
esutjss-256	54	10	and	and	CCONJ
esutjss-256	54	11	influence	influence	VERB
esutjss-256	54	12	the	the	DET
esutjss-256	54	13	acceptance	acceptance	NOUN
esutjss-256	54	14	of	of	ADP
esutjss-256	54	15	online	online	ADJ
esutjss-256	54	16	banking	banking	NOUN
esutjss-256	54	17	,	,	PUNCT
esutjss-256	54	18	thereby	thereby	ADV
esutjss-256	54	19	offering	offer	VERB
esutjss-256	54	20	valuable	valuable	ADJ
esutjss-256	54	21	implications	implication	NOUN
esutjss-256	54	22	for	for	ADP
esutjss-256	54	23	both	both	PRON
esutjss-256	54	24	academic	academic	ADJ
esutjss-256	54	25	research	research	NOUN
esutjss-256	54	26	and	and	CCONJ
esutjss-256	54	27	practical	practical	ADJ
esutjss-256	54	28	applications	application	NOUN
esutjss-256	54	29	in	in	ADP
esutjss-256	54	30	the	the	DET
esutjss-256	54	31	banking	banking	NOUN
esutjss-256	54	32	sector	sector	NOUN
esutjss-256	54	33	.	.	PUNCT
esutjss-256	55	1	the	the	DET
esutjss-256	55	2	findings	finding	NOUN
esutjss-256	55	3	informed	inform	VERB
esutjss-256	55	4	the	the	DET
esutjss-256	55	5	development	development	NOUN
esutjss-256	55	6	of	of	ADP
esutjss-256	55	7	strategies	strategy	NOUN
esutjss-256	55	8	to	to	PART
esutjss-256	55	9	enhance	enhance	VERB
esutjss-256	55	10	the	the	DET
esutjss-256	55	11	user	user	NOUN
esutjss-256	55	12	experience	experience	NOUN
esutjss-256	55	13	and	and	CCONJ
esutjss-256	55	14	adoption	adoption	NOUN
esutjss-256	55	15	rates	rate	NOUN
esutjss-256	55	16	of	of	ADP
esutjss-256	55	17	online	online	ADJ
esutjss-256	55	18	banking	banking	NOUN
esutjss-256	55	19	services	service	NOUN
esutjss-256	55	20	among	among	ADP
esutjss-256	55	21	the	the	DET
esutjss-256	55	22	younger	young	ADJ
esutjss-256	55	23	population	population	NOUN
esutjss-256	55	24	.	.	PUNCT
esutjss-256	56	1	theoretical	theoretical	ADJ
esutjss-256	56	2	framework	framework	NOUN
esutjss-256	56	3	the	the	DET
esutjss-256	56	4	theoretical	theoretical	ADJ
esutjss-256	56	5	framework	framework	NOUN
esutjss-256	56	6	adopted	adopt	VERB
esutjss-256	56	7	in	in	ADP
esutjss-256	56	8	this	this	DET
esutjss-256	56	9	study	study	NOUN
esutjss-256	56	10	was	be	AUX
esutjss-256	56	11	technology	technology	NOUN
esutjss-256	56	12	acceptance	acceptance	NOUN
esutjss-256	56	13	model	model	NOUN
esutjss-256	56	14	(	(	PUNCT
esutjss-256	56	15	tam	tam	PROPN
esutjss-256	56	16	)	)	PUNCT
esutjss-256	56	17	developed	develop	VERB
esutjss-256	56	18	by	by	ADP
esutjss-256	56	19	davis	davis	PROPN
esutjss-256	56	20	et	et	PROPN
esutjss-256	56	21	al	al	PROPN
esutjss-256	56	22	.	.	PROPN
esutjss-256	56	23	,	,	PUNCT
esutjss-256	56	24	(	(	PUNCT
esutjss-256	56	25	1989	1989	NUM
esutjss-256	56	26	)	)	PUNCT
esutjss-256	56	27	.	.	PUNCT
esutjss-256	57	1	the	the	DET
esutjss-256	57	2	theory	theory	NOUN
esutjss-256	57	3	provided	provide	VERB
esutjss-256	57	4	a	a	DET
esutjss-256	57	5	more	more	ADV
esutjss-256	57	6	comprehensive	comprehensive	ADJ
esutjss-256	57	7	insight	insight	NOUN
esutjss-256	57	8	in	in	ADP
esutjss-256	57	9	understanding	understanding	NOUN
esutjss-256	57	10	of	of	ADP
esutjss-256	57	11	technology	technology	NOUN
esutjss-256	57	12	adoption	adoption	NOUN
esutjss-256	57	13	behaviors	behavior	NOUN
esutjss-256	57	14	.	.	PUNCT
esutjss-256	58	1	for	for	ADP
esutjss-256	58	2	example	example	NOUN
esutjss-256	58	3	,	,	PUNCT
esutjss-256	58	4	the	the	DET
esutjss-256	58	5	positive	positive	ADJ
esutjss-256	58	6	dimensions	dimension	NOUN
esutjss-256	58	7	of	of	ADP
esutjss-256	58	8	technology	technology	NOUN
esutjss-256	58	9	readiness	readiness	NOUN
esutjss-256	58	10	(	(	PUNCT
esutjss-256	58	11	optimism	optimism	NOUN
esutjss-256	58	12	and	and	CCONJ
esutjss-256	58	13	innovativeness	innovativeness	NOUN
esutjss-256	58	14	)	)	PUNCT
esutjss-256	58	15	have	have	AUX
esutjss-256	58	16	been	be	AUX
esutjss-256	58	17	found	find	VERB
esutjss-256	58	18	to	to	PART
esutjss-256	58	19	enhance	enhance	VERB
esutjss-256	58	20	perceived	perceive	VERB
esutjss-256	58	21	ease	ease	NOUN
esutjss-256	58	22	of	of	ADP
esutjss-256	58	23	use	use	NOUN
esutjss-256	58	24	and	and	CCONJ
esutjss-256	58	25	perceived	perceive	VERB
esutjss-256	58	26	usefulness	usefulness	NOUN
esutjss-256	58	27	,	,	PUNCT
esutjss-256	58	28	which	which	PRON
esutjss-256	58	29	are	be	AUX
esutjss-256	58	30	central	central	ADJ
esutjss-256	58	31	to	to	ADP
esutjss-256	58	32	tam	tam	PROPN
esutjss-256	58	33	(	(	PUNCT
esutjss-256	58	34	kim	kim	PROPN
esutjss-256	58	35	et	et	PROPN
esutjss-256	58	36	al	al	PROPN
esutjss-256	58	37	.	.	PROPN
esutjss-256	58	38	,	,	PUNCT
esutjss-256	58	39	2020	2020	NUM
esutjss-256	58	40	)	)	PUNCT
esutjss-256	58	41	.	.	PUNCT
esutjss-256	59	1	additionally	additionally	ADV
esutjss-256	59	2	,	,	PUNCT
esutjss-256	59	3	addressing	address	VERB
esutjss-256	59	4	the	the	DET
esutjss-256	59	5	negative	negative	ADJ
esutjss-256	59	6	dimensions	dimension	NOUN
esutjss-256	59	7	(	(	PUNCT
esutjss-256	59	8	discomfort	discomfort	NOUN
esutjss-256	59	9	and	and	CCONJ
esutjss-256	59	10	insecurity	insecurity	NOUN
esutjss-256	59	11	)	)	PUNCT
esutjss-256	59	12	through	through	ADP
esutjss-256	59	13	user	user	NOUN
esutjss-256	59	14	education	education	NOUN
esutjss-256	59	15	and	and	CCONJ
esutjss-256	59	16	system	system	NOUN
esutjss-256	59	17	improvements	improvement	NOUN
esutjss-256	59	18	can	can	AUX
esutjss-256	59	19	reduce	reduce	VERB
esutjss-256	59	20	perceived	perceive	VERB
esutjss-256	59	21	barriers	barrier	NOUN
esutjss-256	59	22	,	,	PUNCT
esutjss-256	59	23	thereby	thereby	ADV
esutjss-256	59	24	fostering	foster	VERB
esutjss-256	59	25	a	a	DET
esutjss-256	59	26	more	more	ADV
esutjss-256	59	27	conducive	conducive	ADJ
esutjss-256	59	28	environment	environment	NOUN
esutjss-256	59	29	for	for	ADP
esutjss-256	59	30	technology	technology	NOUN
esutjss-256	59	31	adoption	adoption	NOUN
esutjss-256	59	32	.	.	PUNCT
esutjss-256	60	1	overall	overall	ADV
esutjss-256	60	2	,	,	PUNCT
esutjss-256	60	3	the	the	DET
esutjss-256	60	4	theoretical	theoretical	ADJ
esutjss-256	60	5	framework	framework	NOUN
esutjss-256	60	6	of	of	ADP
esutjss-256	60	7	technology	technology	NOUN
esutjss-256	60	8	readiness	readiness	NOUN
esutjss-256	60	9	provides	provide	VERB
esutjss-256	60	10	critical	critical	ADJ
esutjss-256	60	11	insights	insight	NOUN
esutjss-256	60	12	into	into	ADP
esutjss-256	60	13	how	how	SCONJ
esutjss-256	60	14	psychological	psychological	ADJ
esutjss-256	60	15	predispositions	predisposition	NOUN
esutjss-256	60	16	towards	towards	ADP
esutjss-256	60	17	technology	technology	NOUN
esutjss-256	60	18	shape	shape	NOUN
esutjss-256	60	19	adoption	adoption	NOUN
esutjss-256	60	20	behaviors	behavior	NOUN
esutjss-256	60	21	,	,	PUNCT
esutjss-256	60	22	emphasizing	emphasize	VERB
esutjss-256	60	23	the	the	DET
esutjss-256	60	24	importance	importance	NOUN
esutjss-256	60	25	of	of	ADP
esutjss-256	60	26	targeting	target	VERB
esutjss-256	60	27	both	both	CCONJ
esutjss-256	60	28	positive	positive	ADJ
esutjss-256	60	29	and	and	CCONJ
esutjss-256	60	30	negative	negative	ADJ
esutjss-256	60	31	attitudes	attitude	NOUN
esutjss-256	60	32	to	to	PART
esutjss-256	60	33	encourage	encourage	VERB
esutjss-256	60	34	widespread	widespread	ADJ
esutjss-256	60	35	technology	technology	NOUN
esutjss-256	60	36	use	use	NOUN
esutjss-256	60	37	.	.	PUNCT
esutjss-256	61	1	hypotheses	hypothese	VERB
esutjss-256	61	2	the	the	DET
esutjss-256	61	3	following	follow	VERB
esutjss-256	61	4	hypotheses	hypothesis	NOUN
esutjss-256	61	5	were	be	AUX
esutjss-256	61	6	formulated	formulate	VERB
esutjss-256	61	7	and	and	CCONJ
esutjss-256	61	8	tested	test	VERB
esutjss-256	61	9	:	:	PUNCT
esutjss-256	61	10	i.	i.	NOUN
esutjss-256	61	11	there	there	PRON
esutjss-256	61	12	will	will	AUX
esutjss-256	61	13	be	be	AUX
esutjss-256	61	14	a	a	DET
esutjss-256	61	15	significant	significant	ADJ
esutjss-256	61	16	relationship	relationship	NOUN
esutjss-256	61	17	between	between	ADP
esutjss-256	61	18	perceived	perceive	VERB
esutjss-256	61	19	risk	risk	NOUN
esutjss-256	61	20	and	and	CCONJ
esutjss-256	61	21	adopting	adopt	VERB
esutjss-256	61	22	online	online	ADJ
esutjss-256	61	23	banking	banking	NOUN
esutjss-256	61	24	services	service	NOUN
esutjss-256	61	25	among	among	ADP
esutjss-256	61	26	undergraduates	undergraduate	NOUN
esutjss-256	61	27	.	.	PUNCT
esutjss-256	62	1	ii	ii	X
esutjss-256	62	2	.	.	PUNCT
esutjss-256	63	1	there	there	PRON
esutjss-256	63	2	will	will	AUX
esutjss-256	63	3	be	be	AUX
esutjss-256	63	4	a	a	DET
esutjss-256	63	5	significant	significant	ADJ
esutjss-256	63	6	relationship	relationship	NOUN
esutjss-256	63	7	between	between	ADP
esutjss-256	63	8	technology	technology	NOUN
esutjss-256	63	9	readiness	readiness	NOUN
esutjss-256	63	10	and	and	CCONJ
esutjss-256	63	11	adoption	adoption	NOUN
esutjss-256	63	12	of	of	ADP
esutjss-256	63	13	online	online	ADJ
esutjss-256	63	14	banking	banking	NOUN
esutjss-256	63	15	among	among	ADP
esutjss-256	63	16	undergraduates	undergraduate	NOUN
esutjss-256	63	17	.	.	PUNCT
esutjss-256	64	1	iii	iii	X
esutjss-256	64	2	.	.	PUNCT
esutjss-256	65	1	there	there	PRON
esutjss-256	65	2	will	will	AUX
esutjss-256	65	3	be	be	AUX
esutjss-256	65	4	a	a	DET
esutjss-256	65	5	significant	significant	ADJ
esutjss-256	65	6	relationship	relationship	NOUN
esutjss-256	65	7	between	between	ADP
esutjss-256	65	8	perceived	perceive	VERB
esutjss-256	65	9	risk	risk	NOUN
esutjss-256	65	10	and	and	CCONJ
esutjss-256	65	11	technology	technology	NOUN
esutjss-256	65	12	readiness	readiness	NOUN
esutjss-256	65	13	among	among	ADP
esutjss-256	65	14	undergraduates	undergraduate	NOUN
esutjss-256	65	15	.	.	PUNCT
esutjss-256	66	1	method	method	NOUN
esutjss-256	66	2	participants	participant	NOUN
esutjss-256	66	3	a	a	DET
esutjss-256	66	4	total	total	NOUN
esutjss-256	66	5	of	of	ADP
esutjss-256	66	6	two	two	NUM
esutjss-256	66	7	hundred	hundred	NUM
esutjss-256	66	8	and	and	CCONJ
esutjss-256	66	9	fifty	fifty	NUM
esutjss-256	66	10	students	student	NOUN
esutjss-256	66	11	of	of	ADP
esutjss-256	66	12	nnamdi	nnamdi	PROPN
esutjss-256	66	13	azikiwe	azikiwe	PROPN
esutjss-256	66	14	university	university	PROPN
esutjss-256	66	15	,	,	PUNCT
esutjss-256	66	16	awka	awka	NOUN
esutjss-256	66	17	that	that	PRON
esutjss-256	66	18	were	be	AUX
esutjss-256	66	19	selected	select	VERB
esutjss-256	66	20	using	use	VERB
esutjss-256	66	21	purposive	purposive	ADJ
esutjss-256	66	22	sampling	sampling	NOUN
esutjss-256	66	23	technique	technique	NOUN
esutjss-256	66	24	participated	participate	VERB
esutjss-256	66	25	in	in	ADP
esutjss-256	66	26	the	the	DET
esutjss-256	66	27	study	study	NOUN
esutjss-256	66	28	.	.	PUNCT
esutjss-256	67	1	the	the	DET
esutjss-256	67	2	participants	participant	NOUN
esutjss-256	67	3	were	be	AUX
esutjss-256	67	4	selected	select	VERB
esutjss-256	67	5	from	from	ADP
esutjss-256	67	6	the	the	DET
esutjss-256	67	7	faculties	faculty	NOUN
esutjss-256	67	8	of	of	ADP
esutjss-256	67	9	engineering	engineering	NOUN
esutjss-256	67	10	,	,	PUNCT
esutjss-256	67	11	management	management	NOUN
esutjss-256	67	12	sciences	science	NOUN
esutjss-256	67	13	,	,	PUNCT
esutjss-256	67	14	physical	physical	ADJ
esutjss-256	67	15	sciences	science	NOUN
esutjss-256	67	16	and	and	CCONJ
esutjss-256	67	17	social	social	ADJ
esutjss-256	67	18	sciences	science	NOUN
esutjss-256	67	19	at	at	ADP
esutjss-256	67	20	various	various	ADJ
esutjss-256	67	21	levels	level	NOUN
esutjss-256	67	22	(	(	PUNCT
esutjss-256	67	23	100	100	NUM
esutjss-256	67	24	to	to	PART
esutjss-256	67	25	500	500	NUM
esutjss-256	67	26	levels	level	NOUN
esutjss-256	67	27	)	)	PUNCT
esutjss-256	67	28	.	.	PUNCT
esutjss-256	68	1	the	the	DET
esutjss-256	68	2	participants	participant	NOUN
esutjss-256	68	3	comprised	comprise	VERB
esutjss-256	68	4	of	of	ADP
esutjss-256	68	5	118	118	NUM
esutjss-256	68	6	male	male	NOUN
esutjss-256	68	7	59	59	NUM
esutjss-256	68	8	students	student	NOUN
esutjss-256	68	9	(	(	PUNCT
esutjss-256	68	10	47.2	47.2	NUM
esutjss-256	68	11	%	%	NOUN
esutjss-256	68	12	)	)	PUNCT
esutjss-256	68	13	and	and	CCONJ
esutjss-256	68	14	132	132	NUM
esutjss-256	68	15	female	female	ADJ
esutjss-256	68	16	(	(	PUNCT
esutjss-256	68	17	52.8	52.8	NUM
esutjss-256	68	18	%	%	NOUN
esutjss-256	68	19	)	)	PUNCT
esutjss-256	68	20	.	.	PUNCT
esutjss-256	69	1	the	the	DET
esutjss-256	69	2	age	age	NOUN
esutjss-256	69	3	range	range	NOUN
esutjss-256	69	4	of	of	ADP
esutjss-256	69	5	the	the	DET
esutjss-256	69	6	participants	participant	NOUN
esutjss-256	69	7	is	be	AUX
esutjss-256	69	8	18	18	NUM
esutjss-256	69	9	-	-	PUNCT
esutjss-256	69	10	36years	36years	NUM
esutjss-256	69	11	of	of	ADP
esutjss-256	69	12	age	age	NOUN
esutjss-256	69	13	,	,	PUNCT
esutjss-256	69	14	with	with	ADP
esutjss-256	69	15	a	a	DET
esutjss-256	69	16	mean	mean	ADJ
esutjss-256	69	17	age	age	NOUN
esutjss-256	69	18	of	of	ADP
esutjss-256	69	19	21.74	21.74	NUM
esutjss-256	69	20	and	and	CCONJ
esutjss-256	69	21	a	a	DET
esutjss-256	69	22	standard	standard	ADJ
esutjss-256	69	23	deviation	deviation	NOUN
esutjss-256	69	24	of	of	ADP
esutjss-256	69	25	2.04	2.04	NUM
esutjss-256	69	26	.	.	PUNCT
esutjss-256	70	1	instruments	instrument	NOUN
esutjss-256	70	2	three	three	NUM
esutjss-256	70	3	instruments	instrument	NOUN
esutjss-256	70	4	were	be	AUX
esutjss-256	70	5	used	use	VERB
esutjss-256	70	6	to	to	PART
esutjss-256	70	7	collect	collect	VERB
esutjss-256	70	8	data	datum	NOUN
esutjss-256	70	9	for	for	ADP
esutjss-256	70	10	the	the	DET
esutjss-256	70	11	present	present	ADJ
esutjss-256	70	12	study	study	NOUN
esutjss-256	70	13	and	and	CCONJ
esutjss-256	70	14	they	they	PRON
esutjss-256	70	15	include	include	VERB
esutjss-256	70	16	:	:	PUNCT
esutjss-256	70	17	risk	risk	NOUN
esutjss-256	70	18	perception	perception	NOUN
esutjss-256	70	19	scale	scale	NOUN
esutjss-256	70	20	risk	risk	NOUN
esutjss-256	70	21	perception	perception	NOUN
esutjss-256	70	22	scale	scale	NOUN
esutjss-256	70	23	was	be	AUX
esutjss-256	70	24	developed	develop	VERB
esutjss-256	70	25	by	by	ADP
esutjss-256	70	26	featherman	featherman	NOUN
esutjss-256	70	27	and	and	CCONJ
esutjss-256	70	28	pavlou	pavlou	ADJ
esutjss-256	70	29	(	(	PUNCT
esutjss-256	70	30	2003).it	2003).it	NUM
esutjss-256	70	31	measures	measure	VERB
esutjss-256	70	32	the	the	DET
esutjss-256	70	33	extent	extent	NOUN
esutjss-256	70	34	to	to	PART
esutjss-256	70	35	which	which	PRON
esutjss-256	70	36	individual	individual	NOUN
esutjss-256	70	37	believes	believe	VERB
esutjss-256	70	38	there	there	PRON
esutjss-256	70	39	is	be	VERB
esutjss-256	70	40	potential	potential	ADJ
esutjss-256	70	41	for	for	ADP
esutjss-256	70	42	negative	negative	ADJ
esutjss-256	70	43	outcomes	outcome	NOUN
esutjss-256	70	44	when	when	SCONJ
esutjss-256	70	45	using	use	VERB
esutjss-256	70	46	online	online	ADJ
esutjss-256	70	47	banking	banking	NOUN
esutjss-256	70	48	services	service	NOUN
esutjss-256	70	49	.	.	PUNCT
esutjss-256	70	50	.	.	PUNCT
esutjss-256	71	1	it	it	PRON
esutjss-256	71	2	is	be	AUX
esutjss-256	71	3	a	a	DET
esutjss-256	71	4	six	six	NUM
esutjss-256	71	5	items	item	NOUN
esutjss-256	71	6	that	that	PRON
esutjss-256	71	7	is	be	AUX
esutjss-256	71	8	measured	measure	VERB
esutjss-256	71	9	by	by	ADP
esutjss-256	71	10	five	five	NUM
esutjss-256	71	11	-	-	PUNCT
esutjss-256	71	12	point	point	NOUN
esutjss-256	71	13	likert	likert	ADJ
esutjss-256	71	14	scale	scale	NOUN
esutjss-256	71	15	ranging	range	VERB
esutjss-256	71	16	from	from	ADP
esutjss-256	71	17	strongly	strongly	ADV
esutjss-256	71	18	agrees	agrees	ADJ
esutjss-256	71	19	(	(	PUNCT
esutjss-256	71	20	5	5	NUM
esutjss-256	71	21	)	)	PUNCT
esutjss-256	71	22	to	to	PART
esutjss-256	71	23	strongly	strongly	ADV
esutjss-256	71	24	disagree	disagree	VERB
esutjss-256	71	25	(	(	PUNCT
esutjss-256	71	26	1	1	NUM
esutjss-256	71	27	)	)	PUNCT
esutjss-256	71	28	.	.	PUNCT
esutjss-256	72	1	the	the	DET
esutjss-256	72	2	participants	participant	NOUN
esutjss-256	72	3	can	can	AUX
esutjss-256	72	4	respond	respond	VERB
esutjss-256	72	5	about	about	ADP
esutjss-256	72	6	the	the	DET
esutjss-256	72	7	extent	extent	NOUN
esutjss-256	72	8	to	to	PART
esutjss-256	72	9	which	which	PRON
esutjss-256	72	10	they	they	PRON
esutjss-256	72	11	agree	agree	VERB
esutjss-256	72	12	with	with	ADP
esutjss-256	72	13	each	each	PRON
esutjss-256	72	14	of	of	ADP
esutjss-256	72	15	the	the	DET
esutjss-256	72	16	statements	statement	NOUN
esutjss-256	72	17	on	on	ADP
esutjss-256	72	18	the	the	DET
esutjss-256	72	19	scale	scale	NOUN
esutjss-256	72	20	.	.	PUNCT
esutjss-256	73	1	the	the	PRON
esutjss-256	73	2	higher	high	ADJ
esutjss-256	73	3	the	the	DET
esutjss-256	73	4	score	score	NOUN
esutjss-256	73	5	,	,	PUNCT
esutjss-256	73	6	the	the	DET
esutjss-256	73	7	higher	high	ADJ
esutjss-256	73	8	shows	show	VERB
esutjss-256	73	9	high	high	ADJ
esutjss-256	73	10	risk	risk	NOUN
esutjss-256	73	11	perception	perception	NOUN
esutjss-256	73	12	.	.	PUNCT
esutjss-256	74	1	it	it	PRON
esutjss-256	74	2	has	have	VERB
esutjss-256	74	3	a	a	DET
esutjss-256	74	4	test	test	NOUN
esutjss-256	74	5	-	-	PUNCT
esutjss-256	74	6	retest	retest	NOUN
esutjss-256	74	7	reliability	reliability	NOUN
esutjss-256	74	8	of	of	ADP
esutjss-256	74	9	0.71	0.71	NUM
esutjss-256	74	10	and	and	CCONJ
esutjss-256	74	11	cronbach	cronbach	VERB
esutjss-256	74	12	alpha	alpha	NOUN
esutjss-256	74	13	of	of	ADP
esutjss-256	74	14	0.86	0.86	NUM
esutjss-256	74	15	.	.	PUNCT
esutjss-256	75	1	technology	technology	NOUN
esutjss-256	75	2	readiness	readiness	NOUN
esutjss-256	75	3	scale	scale	NOUN
esutjss-256	75	4	technology	technology	NOUN
esutjss-256	75	5	readiness	readiness	NOUN
esutjss-256	75	6	scale	scale	NOUN
esutjss-256	75	7	was	be	AUX
esutjss-256	75	8	developed	develop	VERB
esutjss-256	75	9	by	by	ADP
esutjss-256	75	10	celik	celik	NOUN
esutjss-256	75	11	and	and	CCONJ
esutjss-256	75	12	kocaman	kocaman	NOUN
esutjss-256	75	13	(	(	PUNCT
esutjss-256	75	14	2017	2017	NUM
esutjss-256	75	15	)	)	PUNCT
esutjss-256	75	16	.	.	PUNCT
esutjss-256	76	1	it	it	PRON
esutjss-256	76	2	measure	measure	VERB
esutjss-256	76	3	the	the	DET
esutjss-256	76	4	extent	extent	NOUN
esutjss-256	76	5	to	to	PART
esutjss-256	76	6	which	which	PRON
esutjss-256	76	7	individual	individual	NOUN
esutjss-256	76	8	is	be	AUX
esutjss-256	76	9	open	open	ADJ
esutjss-256	76	10	to	to	PART
esutjss-256	76	11	embrace	embrace	VERB
esutjss-256	76	12	and	and	CCONJ
esutjss-256	76	13	use	use	VERB
esutjss-256	76	14	new	new	ADJ
esutjss-256	76	15	technologies	technology	NOUN
esutjss-256	76	16	.	.	PUNCT
esutjss-256	77	1	it	it	PRON
esutjss-256	77	2	is	be	AUX
esutjss-256	77	3	a	a	DET
esutjss-256	77	4	ten	ten	NUM
esutjss-256	77	5	items	item	NOUN
esutjss-256	77	6	that	that	PRON
esutjss-256	77	7	is	be	AUX
esutjss-256	77	8	measured	measure	VERB
esutjss-256	77	9	by	by	ADP
esutjss-256	77	10	five	five	NUM
esutjss-256	77	11	-	-	PUNCT
esutjss-256	77	12	point	point	NOUN
esutjss-256	77	13	likert	likert	ADJ
esutjss-256	77	14	scale	scale	NOUN
esutjss-256	77	15	ranging	range	VERB
esutjss-256	77	16	from	from	ADP
esutjss-256	77	17	strongly	strongly	ADV
esutjss-256	77	18	agrees	agrees	ADJ
esutjss-256	77	19	(	(	PUNCT
esutjss-256	77	20	5	5	NUM
esutjss-256	77	21	)	)	PUNCT
esutjss-256	77	22	to	to	PART
esutjss-256	77	23	strongly	strongly	ADV
esutjss-256	77	24	disagree	disagree	VERB
esutjss-256	77	25	(	(	PUNCT
esutjss-256	77	26	1	1	NUM
esutjss-256	77	27	)	)	PUNCT
esutjss-256	77	28	.	.	PUNCT
esutjss-256	78	1	the	the	DET
esutjss-256	78	2	participants	participant	NOUN
esutjss-256	78	3	can	can	AUX
esutjss-256	78	4	respond	respond	VERB
esutjss-256	78	5	about	about	ADP
esutjss-256	78	6	the	the	DET
esutjss-256	78	7	extent	extent	NOUN
esutjss-256	78	8	to	to	PART
esutjss-256	78	9	which	which	PRON
esutjss-256	78	10	they	they	PRON
esutjss-256	78	11	agree	agree	VERB
esutjss-256	78	12	with	with	ADP
esutjss-256	78	13	each	each	PRON
esutjss-256	78	14	of	of	ADP
esutjss-256	78	15	the	the	DET
esutjss-256	78	16	statements	statement	NOUN
esutjss-256	78	17	on	on	ADP
esutjss-256	78	18	the	the	DET
esutjss-256	78	19	scale	scale	NOUN
esutjss-256	78	20	.	.	PUNCT
esutjss-256	79	1	it	it	PRON
esutjss-256	79	2	has	have	VERB
esutjss-256	79	3	a	a	DET
esutjss-256	79	4	test	test	NOUN
esutjss-256	79	5	-	-	PUNCT
esutjss-256	79	6	retest	retest	NOUN
esutjss-256	79	7	reliability	reliability	NOUN
esutjss-256	79	8	of	of	ADP
esutjss-256	79	9	0.81	0.81	NUM
esutjss-256	79	10	and	and	CCONJ
esutjss-256	79	11	cronbach	cronbach	VERB
esutjss-256	79	12	alpha	alpha	NOUN
esutjss-256	79	13	of	of	ADP
esutjss-256	79	14	0.83	0.83	NUM
esutjss-256	79	15	.	.	PUNCT
esutjss-256	80	1	online	online	ADJ
esutjss-256	80	2	banking	banking	NOUN
esutjss-256	80	3	adoption	adoption	NOUN
esutjss-256	80	4	scale	scale	VERB
esutjss-256	80	5	online	online	ADJ
esutjss-256	80	6	banking	banking	NOUN
esutjss-256	80	7	adoption	adoption	NOUN
esutjss-256	80	8	scale	scale	NOUN
esutjss-256	80	9	was	be	AUX
esutjss-256	80	10	developed	develop	VERB
esutjss-256	80	11	by	by	ADP
esutjss-256	80	12	pikkarainen	pikkarainen	PROPN
esutjss-256	80	13	et	et	PROPN
esutjss-256	80	14	al	al	PROPN
esutjss-256	80	15	.	.	PROPN
esutjss-256	80	16	,	,	PUNCT
esutjss-256	80	17	(	(	PUNCT
esutjss-256	80	18	2004	2004	NUM
esutjss-256	80	19	)	)	PUNCT
esutjss-256	80	20	.	.	PUNCT
esutjss-256	81	1	it	it	PRON
esutjss-256	81	2	measures	measure	VERB
esutjss-256	81	3	the	the	DET
esutjss-256	81	4	extent	extent	NOUN
esutjss-256	81	5	to	to	PART
esutjss-256	81	6	which	which	PRON
esutjss-256	81	7	individual	individual	ADJ
esutjss-256	81	8	use	use	VERB
esutjss-256	81	9	online	online	ADJ
esutjss-256	81	10	banking	banking	NOUN
esutjss-256	81	11	services	service	NOUN
esutjss-256	81	12	for	for	ADP
esutjss-256	81	13	their	their	PRON
esutjss-256	81	14	financial	financial	ADJ
esutjss-256	81	15	transactions	transaction	NOUN
esutjss-256	81	16	.	.	PUNCT
esutjss-256	82	1	it	it	PRON
esutjss-256	82	2	is	be	AUX
esutjss-256	82	3	a	a	DET
esutjss-256	82	4	six	six	NUM
esutjss-256	82	5	items	item	NOUN
esutjss-256	82	6	that	that	PRON
esutjss-256	82	7	is	be	AUX
esutjss-256	82	8	measured	measure	VERB
esutjss-256	82	9	by	by	ADP
esutjss-256	82	10	five	five	NUM
esutjss-256	82	11	-	-	PUNCT
esutjss-256	82	12	point	point	NOUN
esutjss-256	82	13	likert	likert	ADJ
esutjss-256	82	14	scale	scale	NOUN
esutjss-256	82	15	ranging	range	VERB
esutjss-256	82	16	from	from	ADP
esutjss-256	82	17	strongly	strongly	ADV
esutjss-256	82	18	agrees	agrees	ADJ
esutjss-256	82	19	(	(	PUNCT
esutjss-256	82	20	5	5	NUM
esutjss-256	82	21	)	)	PUNCT
esutjss-256	82	22	to	to	PART
esutjss-256	82	23	strongly	strongly	ADV
esutjss-256	82	24	disagree	disagree	VERB
esutjss-256	82	25	(	(	PUNCT
esutjss-256	82	26	1	1	NUM
esutjss-256	82	27	)	)	PUNCT
esutjss-256	82	28	.	.	PUNCT
esutjss-256	83	1	the	the	DET
esutjss-256	83	2	participants	participant	NOUN
esutjss-256	83	3	can	can	AUX
esutjss-256	83	4	respond	respond	VERB
esutjss-256	83	5	about	about	ADP
esutjss-256	83	6	the	the	DET
esutjss-256	83	7	extent	extent	NOUN
esutjss-256	83	8	to	to	PART
esutjss-256	83	9	which	which	PRON
esutjss-256	83	10	they	they	PRON
esutjss-256	83	11	agree	agree	VERB
esutjss-256	83	12	with	with	ADP
esutjss-256	83	13	each	each	PRON
esutjss-256	83	14	of	of	ADP
esutjss-256	83	15	the	the	DET
esutjss-256	83	16	statements	statement	NOUN
esutjss-256	83	17	on	on	ADP
esutjss-256	83	18	the	the	DET
esutjss-256	83	19	scale	scale	NOUN
esutjss-256	83	20	.	.	PUNCT
esutjss-256	84	1	it	it	PRON
esutjss-256	84	2	has	have	VERB
esutjss-256	84	3	a	a	DET
esutjss-256	84	4	test	test	NOUN
esutjss-256	84	5	-	-	PUNCT
esutjss-256	84	6	retest	retest	NOUN
esutjss-256	84	7	reliability	reliability	NOUN
esutjss-256	84	8	of	of	ADP
esutjss-256	84	9	0.82	0.82	NUM
esutjss-256	84	10	and	and	CCONJ
esutjss-256	84	11	cronbach	cronbach	VERB
esutjss-256	84	12	alpha	alpha	NOUN
esutjss-256	84	13	of	of	ADP
esutjss-256	84	14	0.78	0.78	NUM
esutjss-256	84	15	.	.	PUNCT
esutjss-256	85	1	procedure	procedure	NOUN
esutjss-256	85	2	copies	copy	NOUN
esutjss-256	85	3	of	of	ADP
esutjss-256	85	4	the	the	DET
esutjss-256	85	5	questionnaire	questionnaire	NOUN
esutjss-256	85	6	,	,	PUNCT
esutjss-256	85	7	including	include	VERB
esutjss-256	85	8	a	a	DET
esutjss-256	85	9	page	page	NOUN
esutjss-256	85	10	containing	contain	VERB
esutjss-256	85	11	informed	informed	ADJ
esutjss-256	85	12	consent	consent	NOUN
esutjss-256	85	13	were	be	AUX
esutjss-256	85	14	administered	administer	VERB
esutjss-256	85	15	to	to	ADP
esutjss-256	85	16	the	the	DET
esutjss-256	85	17	students	student	NOUN
esutjss-256	85	18	in	in	ADP
esutjss-256	85	19	the	the	DET
esutjss-256	85	20	faculties	faculty	NOUN
esutjss-256	85	21	of	of	ADP
esutjss-256	85	22	engineering	engineering	NOUN
esutjss-256	85	23	,	,	PUNCT
esutjss-256	85	24	management	management	NOUN
esutjss-256	85	25	sciences	science	NOUN
esutjss-256	85	26	,	,	PUNCT
esutjss-256	85	27	physical	physical	ADJ
esutjss-256	85	28	sciences	science	NOUN
esutjss-256	85	29	and	and	CCONJ
esutjss-256	85	30	social	social	ADJ
esutjss-256	85	31	sciences	science	NOUN
esutjss-256	85	32	,	,	PUNCT
esutjss-256	85	33	nnamdi	nnamdi	PROPN
esutjss-256	85	34	azikiwe	azikiwe	PROPN
esutjss-256	85	35	university	university	PROPN
esutjss-256	85	36	,	,	PUNCT
esutjss-256	85	37	awka	awka	NOUN
esutjss-256	85	38	.	.	PUNCT
esutjss-256	86	1	these	these	DET
esutjss-256	86	2	students	student	NOUN
esutjss-256	86	3	were	be	AUX
esutjss-256	86	4	conveniently	conveniently	ADV
esutjss-256	86	5	selected	select	VERB
esutjss-256	86	6	in	in	ADP
esutjss-256	86	7	that	that	SCONJ
esutjss-256	86	8	the	the	DET
esutjss-256	86	9	researcher	researcher	NOUN
esutjss-256	86	10	administered	administer	VERB
esutjss-256	86	11	the	the	DET
esutjss-256	86	12	copies	copy	NOUN
esutjss-256	86	13	of	of	ADP
esutjss-256	86	14	the	the	DET
esutjss-256	86	15	questionnaire	questionnaire	NOUN
esutjss-256	86	16	to	to	ADP
esutjss-256	86	17	students	student	NOUN
esutjss-256	86	18	who	who	PRON
esutjss-256	86	19	were	be	AUX
esutjss-256	86	20	willing	willing	ADJ
esutjss-256	86	21	,	,	PUNCT
esutjss-256	86	22	available	available	ADJ
esutjss-256	86	23	and	and	CCONJ
esutjss-256	86	24	ready	ready	ADJ
esutjss-256	86	25	to	to	PART
esutjss-256	86	26	participate	participate	VERB
esutjss-256	86	27	in	in	ADP
esutjss-256	86	28	the	the	DET
esutjss-256	86	29	study	study	NOUN
esutjss-256	86	30	.	.	PUNCT
esutjss-256	87	1	meanwhile	meanwhile	ADV
esutjss-256	87	2	,	,	PUNCT
esutjss-256	87	3	out	out	ADP
esutjss-256	87	4	of	of	ADP
esutjss-256	87	5	253	253	NUM
esutjss-256	87	6	copies	copy	NOUN
esutjss-256	87	7	of	of	ADP
esutjss-256	87	8	questionnaire	questionnaire	NOUN
esutjss-256	87	9	administered	administer	VERB
esutjss-256	87	10	250	250	NUM
esutjss-256	87	11	completely	completely	ADV
esutjss-256	87	12	filled	fill	VERB
esutjss-256	87	13	copies	copy	NOUN
esutjss-256	87	14	of	of	ADP
esutjss-256	87	15	the	the	DET
esutjss-256	87	16	questionnaire	questionnaire	NOUN
esutjss-256	87	17	utilized	utilize	VERB
esutjss-256	87	18	for	for	ADP
esutjss-256	87	19	the	the	DET
esutjss-256	87	20	purpose	purpose	NOUN
esutjss-256	87	21	of	of	ADP
esutjss-256	87	22	the	the	DET
esutjss-256	87	23	study	study	NOUN
esutjss-256	87	24	.	.	PUNCT
esutjss-256	88	1	design	design	NOUN
esutjss-256	88	2	and	and	CCONJ
esutjss-256	88	3	statistics	statistic	NOUN
esutjss-256	88	4	correlational	correlational	ADJ
esutjss-256	88	5	design	design	NOUN
esutjss-256	88	6	was	be	AUX
esutjss-256	88	7	used	use	VERB
esutjss-256	88	8	for	for	ADP
esutjss-256	88	9	the	the	DET
esutjss-256	88	10	study	study	NOUN
esutjss-256	88	11	because	because	SCONJ
esutjss-256	88	12	the	the	DET
esutjss-256	88	13	objective	objective	NOUN
esutjss-256	88	14	was	be	AUX
esutjss-256	88	15	to	to	PART
esutjss-256	88	16	establish	establish	VERB
esutjss-256	88	17	relationship	relationship	NOUN
esutjss-256	88	18	among	among	ADP
esutjss-256	88	19	study	study	NOUN
esutjss-256	88	20	variables	variable	NOUN
esutjss-256	88	21	and	and	CCONJ
esutjss-256	88	22	pearson	pearson	PROPN
esutjss-256	88	23	moment	moment	NOUN
esutjss-256	88	24	product	product	NOUN
esutjss-256	88	25	correlation	correlation	NOUN
esutjss-256	88	26	was	be	AUX
esutjss-256	88	27	used	use	VERB
esutjss-256	88	28	for	for	ADP
esutjss-256	88	29	data	datum	NOUN
esutjss-256	88	30	analysis	analysis	NOUN
esutjss-256	88	31	results	result	NOUN
esutjss-256	88	32	based	base	VERB
esutjss-256	88	33	on	on	ADP
esutjss-256	88	34	the	the	DET
esutjss-256	88	35	analysis	analysis	NOUN
esutjss-256	88	36	,	,	PUNCT
esutjss-256	88	37	the	the	DET
esutjss-256	88	38	following	follow	VERB
esutjss-256	88	39	findings	finding	NOUN
esutjss-256	88	40	were	be	AUX
esutjss-256	88	41	made	make	VERB
esutjss-256	88	42	.	.	PUNCT
esutjss-256	89	1	table	table	NOUN
esutjss-256	89	2	1	1	NUM
esutjss-256	89	3	:	:	PUNCT
esutjss-256	89	4	descriptive	descriptive	ADJ
esutjss-256	89	5	statistics	statistic	NOUN
esutjss-256	89	6	gender	gender	NOUN
esutjss-256	89	7	age	age	NOUN
esutjss-256	89	8	m.status	m.status	NOUN
esutjss-256	89	9	percievedrisk	percievedrisk	NOUN
esutjss-256	89	10	tacceptance	tacceptance	ADV
esutjss-256	89	11	obanking	obanke	VERB
esutjss-256	89	12	valid	valid	ADJ
esutjss-256	89	13	250	250	NUM
esutjss-256	89	14	250	250	NUM
esutjss-256	89	15	250	250	NUM
esutjss-256	89	16	250	250	NUM
esutjss-256	89	17	250	250	NUM
esutjss-256	89	18	250	250	NUM
esutjss-256	89	19	missing	miss	VERB
esutjss-256	89	20	0	0	NUM
esutjss-256	89	21	0	0	NUM
esutjss-256	89	22	0	0	NUM
esutjss-256	89	23	0	0	NUM
esutjss-256	89	24	0	0	NUM
esutjss-256	89	25	0	0	NUM
esutjss-256	89	26	mean	mean	NOUN
esutjss-256	89	27	1.528	1.528	NUM
esutjss-256	89	28	21.736	21.736	NUM
esutjss-256	89	29	1.036	1.036	NUM
esutjss-256	89	30	15.692	15.692	NUM
esutjss-256	89	31	31.280	31.280	NUM
esutjss-256	89	32	20.320	20.320	NUM
esutjss-256	89	33	60	60	NUM
esutjss-256	89	34	table	table	NOUN
esutjss-256	89	35	1	1	NUM
esutjss-256	89	36	:	:	PUNCT
esutjss-256	89	37	descriptive	descriptive	ADJ
esutjss-256	89	38	statistics	statistic	NOUN
esutjss-256	89	39	gender	gender	NOUN
esutjss-256	89	40	age	age	NOUN
esutjss-256	89	41	m.status	m.status	NOUN
esutjss-256	89	42	percievedrisk	percievedrisk	NOUN
esutjss-256	89	43	tacceptance	tacceptance	ADV
esutjss-256	89	44	obanking	obanke	VERB
esutjss-256	89	45	std	std	PROPN
esutjss-256	89	46	.	.	PUNCT
esutjss-256	90	1	deviation	deviation	NOUN
esutjss-256	90	2	0.500	0.500	NUM
esutjss-256	90	3	2.044	2.044	NUM
esutjss-256	90	4	0.187	0.187	NUM
esutjss-256	90	5	4.419	4.419	NUM
esutjss-256	90	6	3.825	3.825	NUM
esutjss-256	90	7	5.687	5.687	NUM
esutjss-256	90	8	minimum	minimum	ADJ
esutjss-256	90	9	1.000	1.000	NUM
esutjss-256	90	10	18.000	18.000	NUM
esutjss-256	90	11	1.000	1.000	NUM
esutjss-256	90	12	6.000	6.000	NUM
esutjss-256	90	13	22.000	22.000	NUM
esutjss-256	90	14	6.000	6.000	NUM
esutjss-256	90	15	maximum	maximum	ADJ
esutjss-256	90	16	2.000	2.000	NUM
esutjss-256	90	17	36.000	36.000	NUM
esutjss-256	90	18	2.000	2.000	NUM
esutjss-256	90	19	26.000	26.000	NUM
esutjss-256	90	20	42.000	42.000	NUM
esutjss-256	90	21	30.000	30.000	NUM
esutjss-256	90	22	the	the	DET
esutjss-256	90	23	table	table	NOUN
esutjss-256	90	24	above	above	ADV
esutjss-256	90	25	shows	show	VERB
esutjss-256	90	26	the	the	DET
esutjss-256	90	27	mean	mean	ADJ
esutjss-256	90	28	and	and	CCONJ
esutjss-256	90	29	standard	standard	ADJ
esutjss-256	90	30	deviation	deviation	NOUN
esutjss-256	90	31	of	of	ADP
esutjss-256	90	32	demographic	demographic	ADJ
esutjss-256	90	33	and	and	CCONJ
esutjss-256	90	34	main	main	ADJ
esutjss-256	90	35	variables	variable	NOUN
esutjss-256	90	36	of	of	ADP
esutjss-256	90	37	the	the	DET
esutjss-256	90	38	study	study	NOUN
esutjss-256	90	39	.	.	PUNCT
esutjss-256	91	1	it	it	PRON
esutjss-256	91	2	revealed	reveal	VERB
esutjss-256	91	3	that	that	SCONJ
esutjss-256	91	4	participants	participant	NOUN
esutjss-256	91	5	had	have	VERB
esutjss-256	91	6	a	a	DET
esutjss-256	91	7	mean	mean	ADJ
esutjss-256	91	8	score	score	NOUN
esutjss-256	91	9	of	of	ADP
esutjss-256	91	10	15.692	15.692	NUM
esutjss-256	91	11	and	and	CCONJ
esutjss-256	91	12	standard	standard	ADJ
esutjss-256	91	13	deviation	deviation	NOUN
esutjss-256	91	14	of	of	ADP
esutjss-256	91	15	4.419	4.419	NUM
esutjss-256	91	16	on	on	ADP
esutjss-256	91	17	risk	risk	NOUN
esutjss-256	91	18	perception	perception	NOUN
esutjss-256	91	19	,	,	PUNCT
esutjss-256	91	20	mean	mean	VERB
esutjss-256	91	21	score	score	NOUN
esutjss-256	91	22	of	of	ADP
esutjss-256	91	23	31.280	31.280	NUM
esutjss-256	91	24	and	and	CCONJ
esutjss-256	91	25	standard	standard	ADJ
esutjss-256	91	26	deviation	deviation	NOUN
esutjss-256	91	27	of	of	ADP
esutjss-256	91	28	3.825	3.825	NUM
esutjss-256	91	29	on	on	ADP
esutjss-256	91	30	technology	technology	NOUN
esutjss-256	91	31	acceptance	acceptance	NOUN
esutjss-256	91	32	and	and	CCONJ
esutjss-256	91	33	mean	mean	VERB
esutjss-256	91	34	score	score	NOUN
esutjss-256	91	35	of	of	ADP
esutjss-256	91	36	20	20	NUM
esutjss-256	91	37	.	.	NOUN
esutjss-256	91	38	320	320	NUM
esutjss-256	91	39	and	and	CCONJ
esutjss-256	91	40	standard	standard	ADJ
esutjss-256	91	41	deviation	deviation	NOUN
esutjss-256	91	42	of	of	ADP
esutjss-256	91	43	5.687	5.687	NUM
esutjss-256	91	44	on	on	ADP
esutjss-256	91	45	adoption	adoption	NOUN
esutjss-256	91	46	of	of	ADP
esutjss-256	91	47	online	online	ADJ
esutjss-256	91	48	banking	banking	NOUN
esutjss-256	91	49	.	.	PUNCT
esutjss-256	92	1	table	table	NOUN
esutjss-256	92	2	2	2	NUM
esutjss-256	92	3	:	:	PUNCT
esutjss-256	92	4	pearson	pearson	PROPN
esutjss-256	92	5	's	's	PART
esutjss-256	92	6	correlations	correlation	NOUN
esutjss-256	92	7	table	table	NOUN
esutjss-256	92	8	of	of	ADP
esutjss-256	92	9	relationships	relationship	NOUN
esutjss-256	92	10	between	between	ADP
esutjss-256	92	11	perceived	perceive	VERB
esutjss-256	92	12	risk	risk	NOUN
esutjss-256	92	13	,	,	PUNCT
esutjss-256	92	14	technology	technology	NOUN
esutjss-256	92	15	acceptance	acceptance	NOUN
esutjss-256	92	16	and	and	CCONJ
esutjss-256	92	17	adoption	adoption	NOUN
esutjss-256	92	18	of	of	ADP
esutjss-256	92	19	online	online	ADJ
esutjss-256	92	20	banking	banking	NOUN
esutjss-256	92	21	variable	variable	NOUN
esutjss-256	92	22	obanking	obanke	VERB
esutjss-256	92	23	percievedrisk	percievedrisk	NOUN
esutjss-256	92	24	tacceptance	tacceptance	ADV
esutjss-256	92	25	1	1	NUM
esutjss-256	92	26	.	.	PUNCT
esutjss-256	93	1	obanking	obanke	VERB
esutjss-256	93	2	pearson	pearson	PROPN
esutjss-256	93	3	's	's	PART
esutjss-256	93	4	r	r	NOUN
esutjss-256	93	5	—	—	PUNCT
esutjss-256	93	6	p	p	NOUN
esutjss-256	93	7	-	-	PUNCT
esutjss-256	93	8	value	value	NOUN
esutjss-256	93	9	—	—	PUNCT
esutjss-256	93	10	2	2	X
esutjss-256	93	11	.	.	X
esutjss-256	93	12	percievedrisk	percievedrisk	PROPN
esutjss-256	93	13	pearson	pearson	PROPN
esutjss-256	93	14	's	's	PART
esutjss-256	93	15	r	r	NOUN
esutjss-256	93	16	-0.024	-0.024	PUNCT
esutjss-256	93	17	—	—	PUNCT
esutjss-256	93	18	p	p	X
esutjss-256	93	19	-	-	PUNCT
esutjss-256	93	20	value	value	NOUN
esutjss-256	93	21	0.709	0.709	NUM
esutjss-256	93	22	—	—	PUNCT
esutjss-256	93	23	3	3	X
esutjss-256	93	24	.	.	X
esutjss-256	93	25	tacceptance	tacceptance	PROPN
esutjss-256	93	26	pearson	pearson	PROPN
esutjss-256	93	27	's	's	PART
esutjss-256	93	28	r	r	NOUN
esutjss-256	93	29	0.233	0.233	NUM
esutjss-256	93	30	-0.176	-0.176	NOUN
esutjss-256	93	31	—	—	PUNCT
esutjss-256	93	32	p	p	X
esutjss-256	93	33	-	-	PUNCT
esutjss-256	93	34	value	value	NOUN
esutjss-256	93	35	<	<	X
esutjss-256	93	36	.001	.001	NUM
esutjss-256	93	37	0.005	0.005	NUM
esutjss-256	93	38	—	—	PUNCT
esutjss-256	93	39	table	table	NOUN
esutjss-256	93	40	2	2	NUM
esutjss-256	93	41	revealed	reveal	VERB
esutjss-256	93	42	there	there	PRON
esutjss-256	93	43	is	be	VERB
esutjss-256	93	44	no	no	DET
esutjss-256	93	45	significant	significant	ADJ
esutjss-256	93	46	relationship	relationship	NOUN
esutjss-256	93	47	between	between	ADP
esutjss-256	93	48	perceived	perceive	VERB
esutjss-256	93	49	risk	risk	NOUN
esutjss-256	93	50	and	and	CCONJ
esutjss-256	93	51	adoption	adoption	NOUN
esutjss-256	93	52	online	online	ADJ
esutjss-256	93	53	banking	banking	NOUN
esutjss-256	93	54	(	(	PUNCT
esutjss-256	93	55	r=	r=	ADJ
esutjss-256	93	56	-.024	-.024	NOUN
esutjss-256	93	57	,	,	PUNCT
esutjss-256	93	58	p	p	X
esutjss-256	93	59	>	>	X
esutjss-256	93	60	.05	.05	NUM
esutjss-256	93	61	)	)	PUNCT
esutjss-256	93	62	.	.	PUNCT
esutjss-256	94	1	it	it	PRON
esutjss-256	94	2	also	also	ADV
esutjss-256	94	3	showed	show	VERB
esutjss-256	94	4	a	a	DET
esutjss-256	94	5	significant	significant	ADJ
esutjss-256	94	6	positive	positive	ADJ
esutjss-256	94	7	relationship	relationship	NOUN
esutjss-256	94	8	between	between	ADP
esutjss-256	94	9	technology	technology	NOUN
esutjss-256	94	10	acceptance	acceptance	NOUN
esutjss-256	94	11	and	and	CCONJ
esutjss-256	94	12	adoption	adoption	NOUN
esutjss-256	94	13	online	online	ADJ
esutjss-256	94	14	banking	banking	NOUN
esutjss-256	94	15	(	(	PUNCT
esutjss-256	94	16	r	r	NOUN
esutjss-256	94	17	=	=	SYM
esutjss-256	94	18	.233	.233	NUM
esutjss-256	94	19	,	,	PUNCT
esutjss-256	94	20	p<.001	p<.001	NOUN
esutjss-256	94	21	)	)	PUNCT
esutjss-256	94	22	.	.	PUNCT
esutjss-256	95	1	it	it	PRON
esutjss-256	95	2	further	far	ADV
esutjss-256	95	3	revealed	reveal	VERB
esutjss-256	95	4	that	that	SCONJ
esutjss-256	95	5	significant	significant	ADJ
esutjss-256	95	6	relationship	relationship	NOUN
esutjss-256	95	7	exit	exit	NOUN
esutjss-256	95	8	between	between	ADP
esutjss-256	95	9	perceived	perceive	VERB
esutjss-256	95	10	risk	risk	NOUN
esutjss-256	95	11	and	and	CCONJ
esutjss-256	95	12	technology	technology	NOUN
esutjss-256	95	13	acceptance	acceptance	NOUN
esutjss-256	95	14	(	(	PUNCT
esutjss-256	95	15	r=	r=	PROPN
esutjss-256	95	16	-.176	-.176	NOUN
esutjss-256	95	17	,	,	PUNCT
esutjss-256	95	18	p<.005	p<.005	PROPN
esutjss-256	95	19	)	)	PUNCT
esutjss-256	95	20	.	.	PUNCT
esutjss-256	96	1	discussion	discussion	NOUN
esutjss-256	96	2	the	the	DET
esutjss-256	96	3	purpose	purpose	NOUN
esutjss-256	96	4	of	of	ADP
esutjss-256	96	5	the	the	DET
esutjss-256	96	6	study	study	NOUN
esutjss-256	96	7	was	be	AUX
esutjss-256	96	8	to	to	PART
esutjss-256	96	9	investigate	investigate	VERB
esutjss-256	96	10	the	the	DET
esutjss-256	96	11	influence	influence	NOUN
esutjss-256	96	12	of	of	ADP
esutjss-256	96	13	perceived	perceive	VERB
esutjss-256	96	14	risk	risk	NOUN
esutjss-256	96	15	,	,	PUNCT
esutjss-256	96	16	technology	technology	NOUN
esutjss-256	96	17	readiness	readiness	NOUN
esutjss-256	96	18	and	and	CCONJ
esutjss-256	96	19	adoption	adoption	NOUN
esutjss-256	96	20	of	of	ADP
esutjss-256	96	21	online	online	ADJ
esutjss-256	96	22	banking	banking	NOUN
esutjss-256	96	23	among	among	ADP
esutjss-256	96	24	undergraduate	undergraduate	ADJ
esutjss-256	96	25	students	student	NOUN
esutjss-256	96	26	of	of	ADP
esutjss-256	96	27	nnamdi	nnamdi	PROPN
esutjss-256	96	28	azikiwe	azikiwe	PROPN
esutjss-256	96	29	university	university	PROPN
esutjss-256	96	30	,	,	PUNCT
esutjss-256	96	31	awka	awka	NOUN
esutjss-256	96	32	.	.	PUNCT
esutjss-256	97	1	the	the	DET
esutjss-256	97	2	first	first	ADJ
esutjss-256	97	3	finding	finding	NOUN
esutjss-256	97	4	shows	show	VERB
esutjss-256	97	5	that	that	SCONJ
esutjss-256	97	6	perceived	perceive	VERB
esutjss-256	97	7	risk	risk	NOUN
esutjss-256	97	8	,	,	PUNCT
esutjss-256	97	9	which	which	PRON
esutjss-256	97	10	refers	refer	VERB
esutjss-256	97	11	to	to	ADP
esutjss-256	97	12	the	the	DET
esutjss-256	97	13	potential	potential	NOUN
esutjss-256	97	14	for	for	ADP
esutjss-256	97	15	financial	financial	ADJ
esutjss-256	97	16	loss	loss	NOUN
esutjss-256	97	17	,	,	PUNCT
esutjss-256	97	18	privacy	privacy	NOUN
esutjss-256	97	19	breaches	breach	NOUN
esutjss-256	97	20	,	,	PUNCT
esutjss-256	97	21	or	or	CCONJ
esutjss-256	97	22	identity	identity	NOUN
esutjss-256	97	23	theft	theft	NOUN
esutjss-256	97	24	during	during	ADP
esutjss-256	97	25	online	online	ADJ
esutjss-256	97	26	banking	banking	NOUN
esutjss-256	97	27	,	,	PUNCT
esutjss-256	97	28	does	do	AUX
esutjss-256	97	29	not	not	PART
esutjss-256	97	30	have	have	VERB
esutjss-256	97	31	a	a	DET
esutjss-256	97	32	significant	significant	ADJ
esutjss-256	97	33	impact	impact	NOUN
esutjss-256	97	34	on	on	ADP
esutjss-256	97	35	the	the	DET
esutjss-256	97	36	adoption	adoption	NOUN
esutjss-256	97	37	of	of	ADP
esutjss-256	97	38	these	these	DET
esutjss-256	97	39	services	service	NOUN
esutjss-256	97	40	among	among	ADP
esutjss-256	97	41	students	student	NOUN
esutjss-256	97	42	.	.	PUNCT
esutjss-256	98	1	this	this	DET
esutjss-256	98	2	finding	finding	NOUN
esutjss-256	98	3	is	be	AUX
esutjss-256	98	4	consistent	consistent	ADJ
esutjss-256	98	5	with	with	ADP
esutjss-256	98	6	studies	study	NOUN
esutjss-256	98	7	that	that	PRON
esutjss-256	98	8	suggest	suggest	VERB
esutjss-256	98	9	younger	young	ADJ
esutjss-256	98	10	generations	generation	NOUN
esutjss-256	98	11	,	,	PUNCT
esutjss-256	98	12	particularly	particularly	ADV
esutjss-256	98	13	university	university	NOUN
esutjss-256	98	14	students	student	NOUN
esutjss-256	98	15	,	,	PUNCT
esutjss-256	98	16	may	may	AUX
esutjss-256	98	17	be	be	AUX
esutjss-256	98	18	less	less	ADV
esutjss-256	98	19	deterred	deter	VERB
esutjss-256	98	20	by	by	ADP
esutjss-256	98	21	risks	risk	NOUN
esutjss-256	98	22	associated	associate	VERB
esutjss-256	98	23	with	with	ADP
esutjss-256	98	24	online	online	ADJ
esutjss-256	98	25	banking	banking	NOUN
esutjss-256	98	26	due	due	ADP
esutjss-256	98	27	to	to	ADP
esutjss-256	98	28	their	their	PRON
esutjss-256	98	29	familiarity	familiarity	NOUN
esutjss-256	98	30	with	with	ADP
esutjss-256	98	31	digital	digital	ADJ
esutjss-256	98	32	platforms	platform	NOUN
esutjss-256	98	33	and	and	CCONJ
esutjss-256	98	34	technologies	technology	NOUN
esutjss-256	98	35	(	(	PUNCT
esutjss-256	98	36	alalwan	alalwan	NOUN
esutjss-256	98	37	et	et	NOUN
esutjss-256	98	38	al	al	PROPN
esutjss-256	98	39	.	.	PROPN
esutjss-256	98	40	,	,	PUNCT
esutjss-256	98	41	2018	2018	NUM
esutjss-256	98	42	)	)	PUNCT
esutjss-256	98	43	.	.	PUNCT
esutjss-256	99	1	unlike	unlike	ADP
esutjss-256	99	2	older	old	ADJ
esutjss-256	99	3	users	user	NOUN
esutjss-256	99	4	who	who	PRON
esutjss-256	99	5	might	might	AUX
esutjss-256	99	6	be	be	AUX
esutjss-256	99	7	more	more	ADV
esutjss-256	99	8	concerned	concerned	ADJ
esutjss-256	99	9	about	about	ADP
esutjss-256	99	10	security	security	NOUN
esutjss-256	99	11	issues	issue	NOUN
esutjss-256	99	12	,	,	PUNCT
esutjss-256	99	13	undergraduates	undergraduate	NOUN
esutjss-256	99	14	seem	seem	VERB
esutjss-256	99	15	to	to	PART
esutjss-256	99	16	focus	focus	VERB
esutjss-256	99	17	more	more	ADV
esutjss-256	99	18	on	on	ADP
esutjss-256	99	19	the	the	DET
esutjss-256	99	20	functionality	functionality	NOUN
esutjss-256	99	21	and	and	CCONJ
esutjss-256	99	22	convenience	convenience	NOUN
esutjss-256	99	23	of	of	ADP
esutjss-256	99	24	the	the	DET
esutjss-256	99	25	technology	technology	NOUN
esutjss-256	99	26	61	61	NUM
esutjss-256	99	27	rather	rather	ADV
esutjss-256	99	28	than	than	ADP
esutjss-256	99	29	potential	potential	ADJ
esutjss-256	99	30	risks	risk	NOUN
esutjss-256	99	31	.	.	PUNCT
esutjss-256	100	1	this	this	PRON
esutjss-256	100	2	suggests	suggest	VERB
esutjss-256	100	3	that	that	SCONJ
esutjss-256	100	4	,	,	PUNCT
esutjss-256	100	5	despite	despite	SCONJ
esutjss-256	100	6	the	the	DET
esutjss-256	100	7	presence	presence	NOUN
esutjss-256	100	8	of	of	ADP
esutjss-256	100	9	perceived	perceive	VERB
esutjss-256	100	10	risk	risk	NOUN
esutjss-256	100	11	,	,	PUNCT
esutjss-256	100	12	it	it	PRON
esutjss-256	100	13	does	do	AUX
esutjss-256	100	14	not	not	PART
esutjss-256	100	15	directly	directly	ADV
esutjss-256	100	16	hinder	hinder	VERB
esutjss-256	100	17	their	their	PRON
esutjss-256	100	18	adoption	adoption	NOUN
esutjss-256	100	19	of	of	ADP
esutjss-256	100	20	online	online	ADJ
esutjss-256	100	21	banking	banking	NOUN
esutjss-256	100	22	.	.	PUNCT
esutjss-256	101	1	the	the	DET
esutjss-256	101	2	second	second	ADJ
esutjss-256	101	3	finding	finding	NOUN
esutjss-256	101	4	shows	show	VERB
esutjss-256	101	5	a	a	DET
esutjss-256	101	6	significant	significant	ADJ
esutjss-256	101	7	positive	positive	ADJ
esutjss-256	101	8	relationship	relationship	NOUN
esutjss-256	101	9	between	between	ADP
esutjss-256	101	10	technology	technology	NOUN
esutjss-256	101	11	acceptance	acceptance	NOUN
esutjss-256	101	12	and	and	CCONJ
esutjss-256	101	13	the	the	DET
esutjss-256	101	14	adoption	adoption	NOUN
esutjss-256	101	15	of	of	ADP
esutjss-256	101	16	online	online	ADJ
esutjss-256	101	17	banking	banking	NOUN
esutjss-256	101	18	.	.	PUNCT
esutjss-256	102	1	technology	technology	NOUN
esutjss-256	102	2	acceptance	acceptance	NOUN
esutjss-256	102	3	,	,	PUNCT
esutjss-256	102	4	which	which	PRON
esutjss-256	102	5	refers	refer	VERB
esutjss-256	102	6	to	to	ADP
esutjss-256	102	7	the	the	DET
esutjss-256	102	8	degree	degree	NOUN
esutjss-256	102	9	to	to	PART
esutjss-256	102	10	which	which	PRON
esutjss-256	102	11	users	user	NOUN
esutjss-256	102	12	are	be	AUX
esutjss-256	102	13	willing	willing	ADJ
esutjss-256	102	14	to	to	PART
esutjss-256	102	15	embrace	embrace	VERB
esutjss-256	102	16	and	and	CCONJ
esutjss-256	102	17	utilize	utilize	VERB
esutjss-256	102	18	new	new	ADJ
esutjss-256	102	19	technologies	technology	NOUN
esutjss-256	102	20	,	,	PUNCT
esutjss-256	102	21	plays	play	VERB
esutjss-256	102	22	a	a	DET
esutjss-256	102	23	crucial	crucial	ADJ
esutjss-256	102	24	role	role	NOUN
esutjss-256	102	25	in	in	ADP
esutjss-256	102	26	determining	determine	VERB
esutjss-256	102	27	whether	whether	SCONJ
esutjss-256	102	28	undergraduates	undergraduate	NOUN
esutjss-256	102	29	will	will	AUX
esutjss-256	102	30	use	use	VERB
esutjss-256	102	31	online	online	ADJ
esutjss-256	102	32	banking	banking	NOUN
esutjss-256	102	33	services	service	NOUN
esutjss-256	102	34	.	.	PUNCT
esutjss-256	103	1	this	this	DET
esutjss-256	103	2	finding	finding	NOUN
esutjss-256	103	3	aligns	align	VERB
esutjss-256	103	4	with	with	ADP
esutjss-256	103	5	the	the	DET
esutjss-256	103	6	technology	technology	NOUN
esutjss-256	103	7	acceptance	acceptance	NOUN
esutjss-256	103	8	model	model	NOUN
esutjss-256	103	9	(	(	PUNCT
esutjss-256	103	10	tam	tam	PROPN
esutjss-256	103	11	)	)	PUNCT
esutjss-256	103	12	,	,	PUNCT
esutjss-256	103	13	which	which	PRON
esutjss-256	103	14	posits	posit	VERB
esutjss-256	103	15	that	that	SCONJ
esutjss-256	103	16	perceived	perceive	VERB
esutjss-256	103	17	ease	ease	NOUN
esutjss-256	103	18	of	of	ADP
esutjss-256	103	19	use	use	NOUN
esutjss-256	103	20	and	and	CCONJ
esutjss-256	103	21	perceived	perceive	VERB
esutjss-256	103	22	usefulness	usefulness	NOUN
esutjss-256	103	23	are	be	AUX
esutjss-256	103	24	key	key	ADJ
esutjss-256	103	25	determinants	determinant	NOUN
esutjss-256	103	26	in	in	ADP
esutjss-256	103	27	technology	technology	NOUN
esutjss-256	103	28	adoption	adoption	NOUN
esutjss-256	103	29	(	(	PUNCT
esutjss-256	103	30	davis	davis	PROPN
esutjss-256	103	31	,	,	PUNCT
esutjss-256	103	32	1989	1989	NUM
esutjss-256	103	33	)	)	PUNCT
esutjss-256	103	34	.	.	PUNCT
esutjss-256	104	1	more	more	ADV
esutjss-256	104	2	recent	recent	ADJ
esutjss-256	104	3	research	research	NOUN
esutjss-256	104	4	supports	support	VERB
esutjss-256	104	5	this	this	DET
esutjss-256	104	6	view	view	NOUN
esutjss-256	104	7	,	,	PUNCT
esutjss-256	104	8	indicating	indicate	VERB
esutjss-256	104	9	that	that	SCONJ
esutjss-256	104	10	users	user	NOUN
esutjss-256	104	11	who	who	PRON
esutjss-256	104	12	perceive	perceive	VERB
esutjss-256	104	13	online	online	ADJ
esutjss-256	104	14	banking	banking	NOUN
esutjss-256	104	15	as	as	ADP
esutjss-256	104	16	user	user	NOUN
esutjss-256	104	17	-	-	PUNCT
esutjss-256	104	18	friendly	friendly	ADJ
esutjss-256	104	19	and	and	CCONJ
esutjss-256	104	20	beneficial	beneficial	ADJ
esutjss-256	104	21	are	be	AUX
esutjss-256	104	22	more	more	ADV
esutjss-256	104	23	likely	likely	ADJ
esutjss-256	104	24	to	to	PART
esutjss-256	104	25	adopt	adopt	VERB
esutjss-256	104	26	it	it	PRON
esutjss-256	104	27	(	(	PUNCT
esutjss-256	104	28	tseng	tseng	PROPN
esutjss-256	104	29	et	et	PROPN
esutjss-256	104	30	al	al	PROPN
esutjss-256	104	31	.	.	PROPN
esutjss-256	104	32	,	,	PUNCT
esutjss-256	104	33	2021	2021	NUM
esutjss-256	104	34	)	)	PUNCT
esutjss-256	104	35	.	.	PUNCT
esutjss-256	105	1	for	for	ADP
esutjss-256	105	2	undergraduates	undergraduate	NOUN
esutjss-256	105	3	,	,	PUNCT
esutjss-256	105	4	their	their	PRON
esutjss-256	105	5	comfort	comfort	NOUN
esutjss-256	105	6	with	with	ADP
esutjss-256	105	7	digital	digital	ADJ
esutjss-256	105	8	technologies	technology	NOUN
esutjss-256	105	9	enhances	enhance	VERB
esutjss-256	105	10	their	their	PRON
esutjss-256	105	11	readiness	readiness	NOUN
esutjss-256	105	12	to	to	PART
esutjss-256	105	13	adopt	adopt	VERB
esutjss-256	105	14	online	online	ADJ
esutjss-256	105	15	banking	banking	NOUN
esutjss-256	105	16	,	,	PUNCT
esutjss-256	105	17	highlighting	highlight	VERB
esutjss-256	105	18	the	the	DET
esutjss-256	105	19	importance	importance	NOUN
esutjss-256	105	20	of	of	ADP
esutjss-256	105	21	promoting	promote	VERB
esutjss-256	105	22	positive	positive	ADJ
esutjss-256	105	23	experiences	experience	NOUN
esutjss-256	105	24	with	with	ADP
esutjss-256	105	25	the	the	DET
esutjss-256	105	26	platform	platform	NOUN
esutjss-256	105	27	to	to	PART
esutjss-256	105	28	increase	increase	VERB
esutjss-256	105	29	its	its	PRON
esutjss-256	105	30	use	use	NOUN
esutjss-256	105	31	.	.	PUNCT
esutjss-256	106	1	the	the	DET
esutjss-256	106	2	third	third	ADJ
esutjss-256	106	3	finding	finding	NOUN
esutjss-256	106	4	reveals	reveal	VERB
esutjss-256	106	5	a	a	DET
esutjss-256	106	6	significant	significant	ADJ
esutjss-256	106	7	relationship	relationship	NOUN
esutjss-256	106	8	between	between	ADP
esutjss-256	106	9	perceived	perceive	VERB
esutjss-256	106	10	risk	risk	NOUN
esutjss-256	106	11	and	and	CCONJ
esutjss-256	106	12	technology	technology	NOUN
esutjss-256	106	13	acceptance	acceptance	NOUN
esutjss-256	106	14	.	.	PUNCT
esutjss-256	107	1	this	this	PRON
esutjss-256	107	2	suggests	suggest	VERB
esutjss-256	107	3	that	that	SCONJ
esutjss-256	107	4	students	student	NOUN
esutjss-256	107	5	who	who	PRON
esutjss-256	107	6	perceive	perceive	VERB
esutjss-256	107	7	higher	high	ADJ
esutjss-256	107	8	risks	risk	NOUN
esutjss-256	107	9	associated	associate	VERB
esutjss-256	107	10	with	with	ADP
esutjss-256	107	11	online	online	ADJ
esutjss-256	107	12	banking	banking	NOUN
esutjss-256	107	13	are	be	AUX
esutjss-256	107	14	less	less	ADV
esutjss-256	107	15	likely	likely	ADJ
esutjss-256	107	16	to	to	PART
esutjss-256	107	17	accept	accept	VERB
esutjss-256	107	18	the	the	DET
esutjss-256	107	19	technology	technology	NOUN
esutjss-256	107	20	unless	unless	SCONJ
esutjss-256	107	21	they	they	PRON
esutjss-256	107	22	feel	feel	VERB
esutjss-256	107	23	confident	confident	ADJ
esutjss-256	107	24	in	in	ADP
esutjss-256	107	25	its	its	PRON
esutjss-256	107	26	security	security	NOUN
esutjss-256	107	27	and	and	CCONJ
esutjss-256	107	28	reliability	reliability	NOUN
esutjss-256	107	29	.	.	PUNCT
esutjss-256	108	1	according	accord	VERB
esutjss-256	108	2	to	to	ADP
esutjss-256	108	3	rahi	rahi	PROPN
esutjss-256	108	4	et	et	PROPN
esutjss-256	108	5	al	al	PROPN
esutjss-256	108	6	.	.	PROPN
esutjss-256	109	1	(	(	PUNCT
esutjss-256	109	2	2018	2018	NUM
esutjss-256	109	3	)	)	PUNCT
esutjss-256	109	4	,	,	PUNCT
esutjss-256	109	5	perceived	perceive	VERB
esutjss-256	109	6	risk	risk	NOUN
esutjss-256	109	7	can	can	AUX
esutjss-256	109	8	negatively	negatively	ADV
esutjss-256	109	9	influence	influence	VERB
esutjss-256	109	10	technology	technology	NOUN
esutjss-256	109	11	acceptance	acceptance	NOUN
esutjss-256	109	12	,	,	PUNCT
esutjss-256	109	13	as	as	SCONJ
esutjss-256	109	14	users	user	NOUN
esutjss-256	109	15	need	need	VERB
esutjss-256	109	16	to	to	PART
esutjss-256	109	17	feel	feel	VERB
esutjss-256	109	18	assured	assure	VERB
esutjss-256	109	19	that	that	SCONJ
esutjss-256	109	20	the	the	DET
esutjss-256	109	21	technology	technology	NOUN
esutjss-256	109	22	is	be	AUX
esutjss-256	109	23	safe	safe	ADJ
esutjss-256	109	24	before	before	SCONJ
esutjss-256	109	25	they	they	PRON
esutjss-256	109	26	fully	fully	ADV
esutjss-256	109	27	embrace	embrace	VERB
esutjss-256	109	28	it	it	PRON
esutjss-256	109	29	.	.	PUNCT
esutjss-256	110	1	in	in	ADP
esutjss-256	110	2	the	the	DET
esutjss-256	110	3	context	context	NOUN
esutjss-256	110	4	of	of	ADP
esutjss-256	110	5	online	online	ADJ
esutjss-256	110	6	banking	banking	NOUN
esutjss-256	110	7	,	,	PUNCT
esutjss-256	110	8	undergraduates	undergraduate	NOUN
esutjss-256	110	9	may	may	AUX
esutjss-256	110	10	mitigate	mitigate	VERB
esutjss-256	110	11	their	their	PRON
esutjss-256	110	12	concerns	concern	NOUN
esutjss-256	110	13	about	about	ADP
esutjss-256	110	14	risks	risk	NOUN
esutjss-256	110	15	through	through	ADP
esutjss-256	110	16	increased	increase	VERB
esutjss-256	110	17	exposure	exposure	NOUN
esutjss-256	110	18	to	to	ADP
esutjss-256	110	19	and	and	CCONJ
esutjss-256	110	20	familiarity	familiarity	NOUN
esutjss-256	110	21	with	with	ADP
esutjss-256	110	22	the	the	DET
esutjss-256	110	23	platform	platform	NOUN
esutjss-256	110	24	.	.	PUNCT
esutjss-256	111	1	providing	provide	VERB
esutjss-256	111	2	robust	robust	ADJ
esutjss-256	111	3	security	security	NOUN
esutjss-256	111	4	features	feature	NOUN
esutjss-256	111	5	and	and	CCONJ
esutjss-256	111	6	transparent	transparent	ADJ
esutjss-256	111	7	information	information	NOUN
esutjss-256	111	8	about	about	ADP
esutjss-256	111	9	privacy	privacy	NOUN
esutjss-256	111	10	protections	protection	NOUN
esutjss-256	111	11	could	could	AUX
esutjss-256	111	12	therefore	therefore	ADV
esutjss-256	111	13	enhance	enhance	VERB
esutjss-256	111	14	technology	technology	NOUN
esutjss-256	111	15	acceptance	acceptance	NOUN
esutjss-256	111	16	among	among	ADP
esutjss-256	111	17	those	those	PRON
esutjss-256	111	18	who	who	PRON
esutjss-256	111	19	initially	initially	ADV
esutjss-256	111	20	perceive	perceive	VERB
esutjss-256	111	21	online	online	ADJ
esutjss-256	111	22	banking	banking	NOUN
esutjss-256	111	23	as	as	ADP
esutjss-256	111	24	risky	risky	ADJ
esutjss-256	111	25	.	.	PUNCT
esutjss-256	112	1	the	the	DET
esutjss-256	112	2	study	study	NOUN
esutjss-256	112	3	demonstrates	demonstrate	VERB
esutjss-256	112	4	that	that	SCONJ
esutjss-256	112	5	while	while	SCONJ
esutjss-256	112	6	perceived	perceive	VERB
esutjss-256	112	7	risk	risk	NOUN
esutjss-256	112	8	does	do	AUX
esutjss-256	112	9	not	not	PART
esutjss-256	112	10	significantly	significantly	ADV
esutjss-256	112	11	impact	impact	VERB
esutjss-256	112	12	the	the	DET
esutjss-256	112	13	adoption	adoption	NOUN
esutjss-256	112	14	of	of	ADP
esutjss-256	112	15	online	online	ADJ
esutjss-256	112	16	banking	banking	NOUN
esutjss-256	112	17	,	,	PUNCT
esutjss-256	112	18	technology	technology	NOUN
esutjss-256	112	19	acceptance	acceptance	NOUN
esutjss-256	112	20	plays	play	VERB
esutjss-256	112	21	a	a	DET
esutjss-256	112	22	critical	critical	ADJ
esutjss-256	112	23	role	role	NOUN
esutjss-256	112	24	in	in	ADP
esutjss-256	112	25	determining	determine	VERB
esutjss-256	112	26	whether	whether	SCONJ
esutjss-256	112	27	undergraduates	undergraduate	NOUN
esutjss-256	112	28	will	will	AUX
esutjss-256	112	29	use	use	VERB
esutjss-256	112	30	these	these	DET
esutjss-256	112	31	services	service	NOUN
esutjss-256	112	32	.	.	PUNCT
esutjss-256	113	1	the	the	DET
esutjss-256	113	2	significant	significant	ADJ
esutjss-256	113	3	relationship	relationship	NOUN
esutjss-256	113	4	between	between	ADP
esutjss-256	113	5	perceived	perceive	VERB
esutjss-256	113	6	risk	risk	NOUN
esutjss-256	113	7	and	and	CCONJ
esutjss-256	113	8	technology	technology	NOUN
esutjss-256	113	9	acceptance	acceptance	NOUN
esutjss-256	113	10	further	far	ADV
esutjss-256	113	11	emphasizes	emphasize	VERB
esutjss-256	113	12	the	the	DET
esutjss-256	113	13	need	need	NOUN
esutjss-256	113	14	to	to	PART
esutjss-256	113	15	address	address	VERB
esutjss-256	113	16	concerns	concern	NOUN
esutjss-256	113	17	about	about	ADP
esutjss-256	113	18	security	security	NOUN
esutjss-256	113	19	and	and	CCONJ
esutjss-256	113	20	privacy	privacy	NOUN
esutjss-256	113	21	to	to	PART
esutjss-256	113	22	enhance	enhance	VERB
esutjss-256	113	23	students	student	NOUN
esutjss-256	113	24	'	'	PART
esutjss-256	113	25	readiness	readiness	NOUN
esutjss-256	113	26	to	to	PART
esutjss-256	113	27	adopt	adopt	VERB
esutjss-256	113	28	online	online	ADJ
esutjss-256	113	29	banking	banking	NOUN
esutjss-256	113	30	.	.	PUNCT
esutjss-256	114	1	overall	overall	ADV
esutjss-256	114	2	,	,	PUNCT
esutjss-256	114	3	these	these	DET
esutjss-256	114	4	findings	finding	NOUN
esutjss-256	114	5	underscore	underscore	VERB
esutjss-256	114	6	the	the	DET
esutjss-256	114	7	importance	importance	NOUN
esutjss-256	114	8	of	of	ADP
esutjss-256	114	9	technology	technology	NOUN
esutjss-256	114	10	readiness	readiness	NOUN
esutjss-256	114	11	and	and	CCONJ
esutjss-256	114	12	positive	positive	ADJ
esutjss-256	114	13	perceptions	perception	NOUN
esutjss-256	114	14	of	of	ADP
esutjss-256	114	15	online	online	ADJ
esutjss-256	114	16	banking	banking	NOUN
esutjss-256	114	17	platforms	platform	NOUN
esutjss-256	114	18	in	in	ADP
esutjss-256	114	19	driving	drive	VERB
esutjss-256	114	20	adoption	adoption	NOUN
esutjss-256	114	21	among	among	ADP
esutjss-256	114	22	young	young	ADJ
esutjss-256	114	23	,	,	PUNCT
esutjss-256	114	24	digitally	digitally	ADV
esutjss-256	114	25	-	-	PUNCT
esutjss-256	114	26	savvy	savvy	ADJ
esutjss-256	114	27	users	user	NOUN
esutjss-256	114	28	.	.	PUNCT
esutjss-256	115	1	the	the	DET
esutjss-256	115	2	findings	finding	NOUN
esutjss-256	115	3	implies	imply	VERB
esutjss-256	115	4	that	that	SCONJ
esutjss-256	115	5	concerns	concern	NOUN
esutjss-256	115	6	about	about	ADP
esutjss-256	115	7	security	security	NOUN
esutjss-256	115	8	,	,	PUNCT
esutjss-256	115	9	privacy	privacy	NOUN
esutjss-256	115	10	,	,	PUNCT
esutjss-256	115	11	or	or	CCONJ
esutjss-256	115	12	financial	financial	ADJ
esutjss-256	115	13	loss	loss	NOUN
esutjss-256	115	14	do	do	AUX
esutjss-256	115	15	not	not	PART
esutjss-256	115	16	act	act	VERB
esutjss-256	115	17	as	as	ADP
esutjss-256	115	18	strong	strong	ADJ
esutjss-256	115	19	deterrents	deterrent	NOUN
esutjss-256	115	20	.	.	PUNCT
esutjss-256	116	1	this	this	PRON
esutjss-256	116	2	challenges	challenge	VERB
esutjss-256	116	3	the	the	DET
esutjss-256	116	4	common	common	ADJ
esutjss-256	116	5	assumption	assumption	NOUN
esutjss-256	116	6	that	that	SCONJ
esutjss-256	116	7	perceived	perceive	VERB
esutjss-256	116	8	risk	risk	NOUN
esutjss-256	116	9	is	be	AUX
esutjss-256	116	10	a	a	DET
esutjss-256	116	11	major	major	ADJ
esutjss-256	116	12	barrier	barrier	NOUN
esutjss-256	116	13	to	to	ADP
esutjss-256	116	14	the	the	DET
esutjss-256	116	15	use	use	NOUN
esutjss-256	116	16	of	of	ADP
esutjss-256	116	17	digital	digital	ADJ
esutjss-256	116	18	financial	financial	ADJ
esutjss-256	116	19	services	service	NOUN
esutjss-256	116	20	.	.	PUNCT
esutjss-256	117	1	therefore	therefore	ADV
esutjss-256	117	2	,	,	PUNCT
esutjss-256	117	3	efforts	effort	NOUN
esutjss-256	117	4	to	to	PART
esutjss-256	117	5	promote	promote	VERB
esutjss-256	117	6	online	online	ADJ
esutjss-256	117	7	banking	banking	NOUN
esutjss-256	117	8	to	to	ADP
esutjss-256	117	9	undergraduates	undergraduate	NOUN
esutjss-256	117	10	may	may	AUX
esutjss-256	117	11	not	not	PART
esutjss-256	117	12	need	need	VERB
esutjss-256	117	13	to	to	PART
esutjss-256	117	14	prioritize	prioritize	VERB
esutjss-256	117	15	risk	risk	NOUN
esutjss-256	117	16	mitigation	mitigation	NOUN
esutjss-256	117	17	as	as	ADV
esutjss-256	117	18	much	much	ADV
esutjss-256	117	19	as	as	SCONJ
esutjss-256	117	20	they	they	PRON
esutjss-256	117	21	do	do	AUX
esutjss-256	117	22	for	for	ADP
esutjss-256	117	23	older	old	ADJ
esutjss-256	117	24	or	or	CCONJ
esutjss-256	117	25	less	less	ADV
esutjss-256	117	26	tech	tech	NOUN
esutjss-256	117	27	-	-	PUNCT
esutjss-256	117	28	savvy	savvy	ADJ
esutjss-256	117	29	users	user	NOUN
esutjss-256	117	30	.	.	PUNCT
esutjss-256	118	1	instead	instead	ADV
esutjss-256	118	2	,	,	PUNCT
esutjss-256	118	3	more	more	ADJ
esutjss-256	118	4	focus	focus	NOUN
esutjss-256	118	5	could	could	AUX
esutjss-256	118	6	be	be	AUX
esutjss-256	118	7	placed	place	VERB
esutjss-256	118	8	on	on	ADP
esutjss-256	118	9	highlighting	highlight	VERB
esutjss-256	118	10	the	the	DET
esutjss-256	118	11	ease	ease	NOUN
esutjss-256	118	12	and	and	CCONJ
esutjss-256	118	13	convenience	convenience	NOUN
esutjss-256	118	14	of	of	ADP
esutjss-256	118	15	the	the	DET
esutjss-256	118	16	service	service	NOUN
esutjss-256	118	17	.	.	PUNCT
esutjss-256	119	1	secondly	secondly	ADV
esutjss-256	119	2	,	,	PUNCT
esutjss-256	119	3	it	it	PRON
esutjss-256	119	4	reinforces	reinforce	VERB
esutjss-256	119	5	the	the	DET
esutjss-256	119	6	importance	importance	NOUN
esutjss-256	119	7	of	of	ADP
esutjss-256	119	8	fostering	foster	VERB
esutjss-256	119	9	a	a	DET
esutjss-256	119	10	positive	positive	ADJ
esutjss-256	119	11	perception	perception	NOUN
esutjss-256	119	12	of	of	ADP
esutjss-256	119	13	technology	technology	NOUN
esutjss-256	119	14	among	among	ADP
esutjss-256	119	15	students	student	NOUN
esutjss-256	119	16	because	because	SCONJ
esutjss-256	119	17	when	when	SCONJ
esutjss-256	119	18	they	they	PRON
esutjss-256	119	19	perceive	perceive	VERB
esutjss-256	119	20	online	online	ADJ
esutjss-256	119	21	banking	banking	NOUN
esutjss-256	119	22	as	as	ADP
esutjss-256	119	23	easy	easy	ADJ
esutjss-256	119	24	to	to	PART
esutjss-256	119	25	use	use	VERB
esutjss-256	119	26	and	and	CCONJ
esutjss-256	119	27	beneficial	beneficial	ADJ
esutjss-256	119	28	,	,	PUNCT
esutjss-256	119	29	they	they	PRON
esutjss-256	119	30	are	be	AUX
esutjss-256	119	31	much	much	ADV
esutjss-256	119	32	more	more	ADV
esutjss-256	119	33	likely	likely	ADJ
esutjss-256	119	34	to	to	PART
esutjss-256	119	35	adopt	adopt	VERB
esutjss-256	119	36	it	it	PRON
esutjss-256	119	37	.	.	PUNCT
esutjss-256	120	1	financial	financial	ADJ
esutjss-256	120	2	institutions	institution	NOUN
esutjss-256	120	3	and	and	CCONJ
esutjss-256	120	4	service	service	NOUN
esutjss-256	120	5	providers	provider	NOUN
esutjss-256	120	6	should	should	AUX
esutjss-256	120	7	focus	focus	VERB
esutjss-256	120	8	on	on	ADP
esutjss-256	120	9	enhancing	enhance	VERB
esutjss-256	120	10	user	user	NOUN
esutjss-256	120	11	experience	experience	NOUN
esutjss-256	120	12	by	by	ADP
esutjss-256	120	13	simplifying	simplify	VERB
esutjss-256	120	14	the	the	DET
esutjss-256	120	15	interface	interface	NOUN
esutjss-256	120	16	,	,	PUNCT
esutjss-256	120	17	providing	provide	VERB
esutjss-256	120	18	clear	clear	ADJ
esutjss-256	120	19	instructions	instruction	NOUN
esutjss-256	120	20	,	,	PUNCT
esutjss-256	120	21	and	and	CCONJ
esutjss-256	120	22	demonstrating	demonstrate	VERB
esutjss-256	120	23	the	the	DET
esutjss-256	120	24	advantages	advantage	NOUN
esutjss-256	120	25	of	of	ADP
esutjss-256	120	26	online	online	ADJ
esutjss-256	120	27	banking	banking	NOUN
esutjss-256	120	28	,	,	PUNCT
esutjss-256	120	29	such	such	ADJ
esutjss-256	120	30	as	as	ADP
esutjss-256	120	31	saving	save	VERB
esutjss-256	120	32	time	time	NOUN
esutjss-256	120	33	and	and	CCONJ
esutjss-256	120	34	providing	provide	VERB
esutjss-256	120	35	24/7	24/7	NUM
esutjss-256	120	36	access	access	NOUN
esutjss-256	120	37	.	.	PUNCT
esutjss-256	121	1	this	this	PRON
esutjss-256	121	2	can	can	AUX
esutjss-256	121	3	help	help	VERB
esutjss-256	121	4	increase	increase	VERB
esutjss-256	121	5	the	the	DET
esutjss-256	121	6	likelihood	likelihood	NOUN
esutjss-256	121	7	of	of	ADP
esutjss-256	121	8	adoption	adoption	NOUN
esutjss-256	121	9	among	among	ADP
esutjss-256	121	10	younger	young	ADJ
esutjss-256	121	11	users	user	NOUN
esutjss-256	121	12	who	who	PRON
esutjss-256	121	13	are	be	AUX
esutjss-256	121	14	already	already	ADV
esutjss-256	121	15	inclined	inclined	ADJ
esutjss-256	121	16	to	to	PART
esutjss-256	121	17	accept	accept	VERB
esutjss-256	121	18	new	new	ADJ
esutjss-256	121	19	technologies	technology	NOUN
esutjss-256	121	20	.	.	PUNCT
esutjss-256	122	1	furthermore	furthermore	ADV
esutjss-256	122	2	it	it	PRON
esutjss-256	122	3	can	can	AUX
esutjss-256	122	4	influence	influence	VERB
esutjss-256	122	5	students	student	NOUN
esutjss-256	122	6	’	'	PUNCT
esutjss-256	122	7	willingness	willingness	NOUN
esutjss-256	122	8	to	to	PART
esutjss-256	122	9	accept	accept	VERB
esutjss-256	122	10	online	online	ADJ
esutjss-256	122	11	banking	banking	NOUN
esutjss-256	122	12	technology	technology	NOUN
esutjss-256	122	13	.	.	PUNCT
esutjss-256	123	1	this	this	PRON
esutjss-256	123	2	means	mean	VERB
esutjss-256	123	3	that	that	SCONJ
esutjss-256	123	4	institutions	institution	NOUN
esutjss-256	123	5	must	must	AUX
esutjss-256	123	6	ensure	ensure	VERB
esutjss-256	123	7	that	that	SCONJ
esutjss-256	123	8	security	security	NOUN
esutjss-256	123	9	features	feature	NOUN
esutjss-256	123	10	are	be	AUX
esutjss-256	123	11	clearly	clearly	ADV
esutjss-256	123	12	communicated	communicate	VERB
esutjss-256	123	13	and	and	CCONJ
esutjss-256	123	14	trusted	trust	VERB
esutjss-256	123	15	by	by	ADP
esutjss-256	123	16	users	user	NOUN
esutjss-256	123	17	.	.	PUNCT
esutjss-256	124	1	by	by	ADP
esutjss-256	124	2	building	build	VERB
esutjss-256	124	3	confidence	confidence	NOUN
esutjss-256	124	4	in	in	ADP
esutjss-256	124	5	the	the	DET
esutjss-256	124	6	technology	technology	NOUN
esutjss-256	124	7	’s	’s	PART
esutjss-256	124	8	safety	safety	NOUN
esutjss-256	124	9	,	,	PUNCT
esutjss-256	124	10	they	they	PRON
esutjss-256	124	11	can	can	AUX
esutjss-256	124	12	increase	increase	VERB
esutjss-256	124	13	technology	technology	NOUN
esutjss-256	124	14	acceptance	acceptance	NOUN
esutjss-256	124	15	and	and	CCONJ
esutjss-256	124	16	,	,	PUNCT
esutjss-256	124	17	in	in	ADP
esutjss-256	124	18	turn	turn	NOUN
esutjss-256	124	19	,	,	PUNCT
esutjss-256	124	20	promote	promote	VERB
esutjss-256	124	21	higher	high	ADJ
esutjss-256	124	22	adoption	adoption	NOUN
esutjss-256	124	23	rates	rate	NOUN
esutjss-256	124	24	.	.	PUNCT
esutjss-256	125	1	overall	overall	ADV
esutjss-256	125	2	,	,	PUNCT
esutjss-256	125	3	the	the	DET
esutjss-256	125	4	study	study	NOUN
esutjss-256	125	5	implies	imply	VERB
esutjss-256	125	6	that	that	SCONJ
esutjss-256	125	7	while	while	SCONJ
esutjss-256	125	8	perceived	perceive	VERB
esutjss-256	125	9	risk	risk	NOUN
esutjss-256	125	10	may	may	AUX
esutjss-256	125	11	not	not	PART
esutjss-256	125	12	be	be	AUX
esutjss-256	125	13	a	a	DET
esutjss-256	125	14	primary	primary	ADJ
esutjss-256	125	15	concern	concern	NOUN
esutjss-256	125	16	for	for	ADP
esutjss-256	125	17	undergraduates	undergraduate	NOUN
esutjss-256	125	18	,	,	PUNCT
esutjss-256	125	19	it	it	PRON
esutjss-256	125	20	is	be	AUX
esutjss-256	125	21	still	still	ADV
esutjss-256	125	22	important	important	ADJ
esutjss-256	125	23	to	to	PART
esutjss-256	125	24	address	address	VERB
esutjss-256	125	25	security	security	NOUN
esutjss-256	125	26	concerns	concern	NOUN
esutjss-256	125	27	to	to	PART
esutjss-256	125	28	foster	foster	VERB
esutjss-256	125	29	greater	great	ADJ
esutjss-256	125	30	acceptance	acceptance	NOUN
esutjss-256	125	31	of	of	ADP
esutjss-256	125	32	online	online	ADJ
esutjss-256	125	33	banking	banking	NOUN
esutjss-256	125	34	technology	technology	NOUN
esutjss-256	125	35	.	.	PUNCT
esutjss-256	126	1	62	62	NUM
esutjss-256	126	2	the	the	DET
esutjss-256	126	3	study	study	NOUN
esutjss-256	126	4	the	the	DET
esutjss-256	126	5	recommends	recommend	VERB
esutjss-256	126	6	that	that	SCONJ
esutjss-256	126	7	financial	financial	ADJ
esutjss-256	126	8	institutions	institution	NOUN
esutjss-256	126	9	should	should	AUX
esutjss-256	126	10	focus	focus	VERB
esutjss-256	126	11	on	on	ADP
esutjss-256	126	12	increasing	increase	VERB
esutjss-256	126	13	technology	technology	NOUN
esutjss-256	126	14	acceptance	acceptance	NOUN
esutjss-256	126	15	by	by	ADP
esutjss-256	126	16	improving	improve	VERB
esutjss-256	126	17	the	the	DET
esutjss-256	126	18	user	user	NOUN
esutjss-256	126	19	experience	experience	NOUN
esutjss-256	126	20	of	of	ADP
esutjss-256	126	21	their	their	PRON
esutjss-256	126	22	online	online	ADJ
esutjss-256	126	23	banking	banking	NOUN
esutjss-256	126	24	platforms	platform	NOUN
esutjss-256	126	25	.	.	PUNCT
esutjss-256	127	1	simplifying	simplify	VERB
esutjss-256	127	2	the	the	DET
esutjss-256	127	3	interface	interface	NOUN
esutjss-256	127	4	,	,	PUNCT
esutjss-256	127	5	making	make	VERB
esutjss-256	127	6	the	the	DET
esutjss-256	127	7	system	system	NOUN
esutjss-256	127	8	more	more	ADV
esutjss-256	127	9	intuitive	intuitive	ADJ
esutjss-256	127	10	,	,	PUNCT
esutjss-256	127	11	and	and	CCONJ
esutjss-256	127	12	providing	provide	VERB
esutjss-256	127	13	clear	clear	ADJ
esutjss-256	127	14	benefits	benefit	NOUN
esutjss-256	127	15	like	like	ADP
esutjss-256	127	16	time	time	NOUN
esutjss-256	127	17	savings	saving	NOUN
esutjss-256	127	18	and	and	CCONJ
esutjss-256	127	19	ease	ease	NOUN
esutjss-256	127	20	of	of	ADP
esutjss-256	127	21	access	access	NOUN
esutjss-256	127	22	will	will	AUX
esutjss-256	127	23	encourage	encourage	VERB
esutjss-256	127	24	more	more	ADJ
esutjss-256	127	25	students	student	NOUN
esutjss-256	127	26	to	to	PART
esutjss-256	127	27	use	use	VERB
esutjss-256	127	28	these	these	DET
esutjss-256	127	29	services	service	NOUN
esutjss-256	127	30	.	.	PUNCT
esutjss-256	128	1	educational	educational	ADJ
esutjss-256	128	2	campaigns	campaign	NOUN
esutjss-256	128	3	can	can	AUX
esutjss-256	128	4	also	also	ADV
esutjss-256	128	5	be	be	AUX
esutjss-256	128	6	conducted	conduct	VERB
esutjss-256	128	7	on	on	ADP
esutjss-256	128	8	campuses	campus	NOUN
esutjss-256	128	9	to	to	PART
esutjss-256	128	10	familiarize	familiarize	VERB
esutjss-256	128	11	students	student	NOUN
esutjss-256	128	12	with	with	ADP
esutjss-256	128	13	the	the	DET
esutjss-256	128	14	features	feature	NOUN
esutjss-256	128	15	and	and	CCONJ
esutjss-256	128	16	advantages	advantage	NOUN
esutjss-256	128	17	of	of	ADP
esutjss-256	128	18	online	online	ADJ
esutjss-256	128	19	banking	banking	NOUN
esutjss-256	128	20	,	,	PUNCT
esutjss-256	128	21	helping	help	VERB
esutjss-256	128	22	to	to	PART
esutjss-256	128	23	boost	boost	VERB
esutjss-256	128	24	their	their	PRON
esutjss-256	128	25	technology	technology	NOUN
esutjss-256	128	26	readiness	readiness	NOUN
esutjss-256	128	27	and	and	CCONJ
esutjss-256	128	28	willingness	willingness	NOUN
esutjss-256	128	29	to	to	PART
esutjss-256	128	30	adopt	adopt	VERB
esutjss-256	128	31	these	these	DET
esutjss-256	128	32	platforms	platform	NOUN
esutjss-256	128	33	.	.	PUNCT
esutjss-256	129	1	second	second	ADJ
esutjss-256	129	2	,	,	PUNCT
esutjss-256	129	3	while	while	SCONJ
esutjss-256	129	4	the	the	DET
esutjss-256	129	5	study	study	NOUN
esutjss-256	129	6	shows	show	VERB
esutjss-256	129	7	that	that	SCONJ
esutjss-256	129	8	perceived	perceive	VERB
esutjss-256	129	9	risk	risk	NOUN
esutjss-256	129	10	does	do	AUX
esutjss-256	129	11	not	not	PART
esutjss-256	129	12	have	have	VERB
esutjss-256	129	13	a	a	DET
esutjss-256	129	14	direct	direct	ADJ
esutjss-256	129	15	effect	effect	NOUN
esutjss-256	129	16	on	on	ADP
esutjss-256	129	17	the	the	DET
esutjss-256	129	18	adoption	adoption	NOUN
esutjss-256	129	19	of	of	ADP
esutjss-256	129	20	online	online	ADJ
esutjss-256	129	21	banking	banking	NOUN
esutjss-256	129	22	,	,	PUNCT
esutjss-256	129	23	addressing	address	VERB
esutjss-256	129	24	any	any	DET
esutjss-256	129	25	underlying	underlie	VERB
esutjss-256	129	26	security	security	NOUN
esutjss-256	129	27	concerns	concern	NOUN
esutjss-256	129	28	is	be	AUX
esutjss-256	129	29	still	still	ADV
esutjss-256	129	30	crucial	crucial	ADJ
esutjss-256	129	31	for	for	ADP
esutjss-256	129	32	fostering	foster	VERB
esutjss-256	129	33	long	long	ADJ
esutjss-256	129	34	-	-	PUNCT
esutjss-256	129	35	term	term	NOUN
esutjss-256	129	36	trust	trust	NOUN
esutjss-256	129	37	and	and	CCONJ
esutjss-256	129	38	technology	technology	NOUN
esutjss-256	129	39	acceptance	acceptance	NOUN
esutjss-256	129	40	.	.	PUNCT
esutjss-256	130	1	banks	bank	NOUN
esutjss-256	130	2	should	should	AUX
esutjss-256	130	3	continue	continue	VERB
esutjss-256	130	4	to	to	PART
esutjss-256	130	5	invest	invest	VERB
esutjss-256	130	6	in	in	ADP
esutjss-256	130	7	robust	robust	ADJ
esutjss-256	130	8	security	security	NOUN
esutjss-256	130	9	measures	measure	NOUN
esutjss-256	130	10	and	and	CCONJ
esutjss-256	130	11	regularly	regularly	ADV
esutjss-256	130	12	update	update	VERB
esutjss-256	130	13	their	their	PRON
esutjss-256	130	14	users	user	NOUN
esutjss-256	130	15	about	about	ADP
esutjss-256	130	16	these	these	DET
esutjss-256	130	17	protections	protection	NOUN
esutjss-256	130	18	,	,	PUNCT
esutjss-256	130	19	ensuring	ensure	VERB
esutjss-256	130	20	that	that	SCONJ
esutjss-256	130	21	students	student	NOUN
esutjss-256	130	22	feel	feel	VERB
esutjss-256	130	23	confident	confident	ADJ
esutjss-256	130	24	in	in	ADP
esutjss-256	130	25	the	the	DET
esutjss-256	130	26	safety	safety	NOUN
esutjss-256	130	27	of	of	ADP
esutjss-256	130	28	their	their	PRON
esutjss-256	130	29	financial	financial	ADJ
esutjss-256	130	30	data	datum	NOUN
esutjss-256	130	31	.	.	PUNCT
esutjss-256	131	1	providing	provide	VERB
esutjss-256	131	2	transparent	transparent	ADJ
esutjss-256	131	3	information	information	NOUN
esutjss-256	131	4	about	about	ADP
esutjss-256	131	5	encryption	encryption	NOUN
esutjss-256	131	6	,	,	PUNCT
esutjss-256	131	7	authentication	authentication	NOUN
esutjss-256	131	8	methods	method	NOUN
esutjss-256	131	9	,	,	PUNCT
esutjss-256	131	10	and	and	CCONJ
esutjss-256	131	11	privacy	privacy	NOUN
esutjss-256	131	12	safeguards	safeguard	NOUN
esutjss-256	131	13	can	can	AUX
esutjss-256	131	14	help	help	VERB
esutjss-256	131	15	alleviate	alleviate	VERB
esutjss-256	131	16	any	any	DET
esutjss-256	131	17	lingering	linger	VERB
esutjss-256	131	18	concerns	concern	NOUN
esutjss-256	131	19	about	about	ADP
esutjss-256	131	20	perceived	perceive	VERB
esutjss-256	131	21	risks	risk	NOUN
esutjss-256	131	22	.	.	PUNCT
esutjss-256	132	1	universities	university	NOUN
esutjss-256	132	2	can	can	AUX
esutjss-256	132	3	play	play	VERB
esutjss-256	132	4	a	a	DET
esutjss-256	132	5	role	role	NOUN
esutjss-256	132	6	in	in	ADP
esutjss-256	132	7	supporting	support	VERB
esutjss-256	132	8	students	student	NOUN
esutjss-256	132	9	’	'	PUNCT
esutjss-256	132	10	technology	technology	NOUN
esutjss-256	132	11	readiness	readiness	NOUN
esutjss-256	132	12	by	by	ADP
esutjss-256	132	13	incorporating	incorporate	VERB
esutjss-256	132	14	digital	digital	ADJ
esutjss-256	132	15	literacy	literacy	NOUN
esutjss-256	132	16	programs	program	NOUN
esutjss-256	132	17	that	that	PRON
esutjss-256	132	18	focus	focus	VERB
esutjss-256	132	19	on	on	ADP
esutjss-256	132	20	financial	financial	ADJ
esutjss-256	132	21	technology	technology	NOUN
esutjss-256	132	22	,	,	PUNCT
esutjss-256	132	23	including	include	VERB
esutjss-256	132	24	online	online	ADJ
esutjss-256	132	25	banking	banking	NOUN
esutjss-256	132	26	.	.	PUNCT
esutjss-256	133	1	these	these	DET
esutjss-256	133	2	initiatives	initiative	NOUN
esutjss-256	133	3	can	can	AUX
esutjss-256	133	4	enhance	enhance	VERB
esutjss-256	133	5	students	student	NOUN
esutjss-256	133	6	'	'	PART
esutjss-256	133	7	overall	overall	ADJ
esutjss-256	133	8	confidence	confidence	NOUN
esutjss-256	133	9	in	in	ADP
esutjss-256	133	10	using	use	VERB
esutjss-256	133	11	digital	digital	ADJ
esutjss-256	133	12	platforms	platform	NOUN
esutjss-256	133	13	,	,	PUNCT
esutjss-256	133	14	not	not	PART
esutjss-256	133	15	only	only	ADV
esutjss-256	133	16	for	for	ADP
esutjss-256	133	17	banking	banking	NOUN
esutjss-256	133	18	but	but	CCONJ
esutjss-256	133	19	for	for	ADP
esutjss-256	133	20	managing	manage	VERB
esutjss-256	133	21	other	other	ADJ
esutjss-256	133	22	financial	financial	ADJ
esutjss-256	133	23	transactions	transaction	NOUN
esutjss-256	133	24	as	as	ADV
esutjss-256	133	25	well	well	ADV
esutjss-256	133	26	.	.	PUNCT
esutjss-256	134	1	by	by	ADP
esutjss-256	134	2	implementing	implement	VERB
esutjss-256	134	3	these	these	DET
esutjss-256	134	4	recommendations	recommendation	NOUN
esutjss-256	134	5	,	,	PUNCT
esutjss-256	134	6	financial	financial	ADJ
esutjss-256	134	7	institutions	institution	NOUN
esutjss-256	134	8	and	and	CCONJ
esutjss-256	134	9	educational	educational	ADJ
esutjss-256	134	10	bodies	body	NOUN
esutjss-256	134	11	can	can	AUX
esutjss-256	134	12	work	work	VERB
esutjss-256	134	13	together	together	ADV
esutjss-256	134	14	to	to	PART
esutjss-256	134	15	promote	promote	VERB
esutjss-256	134	16	greater	great	ADJ
esutjss-256	134	17	adoption	adoption	NOUN
esutjss-256	134	18	of	of	ADP
esutjss-256	134	19	online	online	ADJ
esutjss-256	134	20	banking	banking	NOUN
esutjss-256	134	21	among	among	ADP
esutjss-256	134	22	undergraduates	undergraduate	NOUN
esutjss-256	134	23	,	,	PUNCT
esutjss-256	134	24	ensuring	ensure	VERB
esutjss-256	134	25	that	that	SCONJ
esutjss-256	134	26	this	this	DET
esutjss-256	134	27	tech	tech	NOUN
esutjss-256	134	28	-	-	PUNCT
esutjss-256	134	29	savvy	savvy	NOUN
esutjss-256	134	30	group	group	NOUN
esutjss-256	134	31	is	be	AUX
esutjss-256	134	32	well	well	ADV
esutjss-256	134	33	-	-	PUNCT
esutjss-256	134	34	equipped	equip	VERB
esutjss-256	134	35	to	to	PART
esutjss-256	134	36	take	take	VERB
esutjss-256	134	37	advantage	advantage	NOUN
esutjss-256	134	38	of	of	ADP
esutjss-256	134	39	the	the	DET
esutjss-256	134	40	convenience	convenience	NOUN
esutjss-256	134	41	and	and	CCONJ
esutjss-256	134	42	benefits	benefit	NOUN
esutjss-256	134	43	of	of	ADP
esutjss-256	134	44	digital	digital	ADJ
esutjss-256	134	45	banking	banking	NOUN
esutjss-256	134	46	services	service	NOUN
esutjss-256	134	47	.	.	PUNCT
esutjss-256	135	1	the	the	DET
esutjss-256	135	2	study	study	NOUN
esutjss-256	135	3	,	,	PUNCT
esutjss-256	135	4	while	while	SCONJ
esutjss-256	135	5	offering	offer	VERB
esutjss-256	135	6	valuable	valuable	ADJ
esutjss-256	135	7	insights	insight	NOUN
esutjss-256	135	8	into	into	ADP
esutjss-256	135	9	the	the	DET
esutjss-256	135	10	relationship	relationship	NOUN
esutjss-256	135	11	between	between	ADP
esutjss-256	135	12	perceived	perceive	VERB
esutjss-256	135	13	risk	risk	NOUN
esutjss-256	135	14	,	,	PUNCT
esutjss-256	135	15	technology	technology	NOUN
esutjss-256	135	16	readiness	readiness	NOUN
esutjss-256	135	17	,	,	PUNCT
esutjss-256	135	18	and	and	CCONJ
esutjss-256	135	19	the	the	DET
esutjss-256	135	20	adoption	adoption	NOUN
esutjss-256	135	21	of	of	ADP
esutjss-256	135	22	online	online	ADJ
esutjss-256	135	23	banking	banking	NOUN
esutjss-256	135	24	among	among	ADP
esutjss-256	135	25	undergraduates	undergraduate	NOUN
esutjss-256	135	26	,	,	PUNCT
esutjss-256	135	27	has	have	VERB
esutjss-256	135	28	several	several	ADJ
esutjss-256	135	29	limitations	limitation	NOUN
esutjss-256	135	30	based	base	VERB
esutjss-256	135	31	on	on	ADP
esutjss-256	135	32	sample	sample	NOUN
esutjss-256	135	33	size	size	NOUN
esutjss-256	135	34	,	,	PUNCT
esutjss-256	135	35	geographical	geographical	ADJ
esutjss-256	135	36	coverage	coverage	NOUN
esutjss-256	135	37	and	and	CCONJ
esutjss-256	135	38	age	age	NOUN
esutjss-256	135	39	bracket	bracket	NOUN
esutjss-256	135	40	.	.	PUNCT
esutjss-256	136	1	it	it	PRON
esutjss-256	136	2	then	then	ADV
esutjss-256	136	3	suggest	suggest	VERB
esutjss-256	136	4	that	that	SCONJ
esutjss-256	136	5	future	future	ADJ
esutjss-256	136	6	studies	study	NOUN
esutjss-256	136	7	should	should	AUX
esutjss-256	136	8	widen	widen	VERB
esutjss-256	136	9	the	the	DET
esutjss-256	136	10	scope	scope	NOUN
esutjss-256	136	11	of	of	ADP
esutjss-256	136	12	the	the	DET
esutjss-256	136	13	demographic	demographic	ADJ
esutjss-256	136	14	sample	sample	NOUN
esutjss-256	136	15	beyond	beyond	ADP
esutjss-256	136	16	undergraduates	undergraduate	NOUN
esutjss-256	136	17	to	to	PART
esutjss-256	136	18	include	include	VERB
esutjss-256	136	19	other	other	ADJ
esutjss-256	136	20	groups	group	NOUN
esutjss-256	136	21	,	,	PUNCT
esutjss-256	136	22	such	such	ADJ
esutjss-256	136	23	as	as	ADP
esutjss-256	136	24	graduate	graduate	ADJ
esutjss-256	136	25	students	student	NOUN
esutjss-256	136	26	,	,	PUNCT
esutjss-256	136	27	working	working	NOUN
esutjss-256	136	28	professionals	professional	NOUN
esutjss-256	136	29	,	,	PUNCT
esutjss-256	136	30	or	or	CCONJ
esutjss-256	136	31	older	old	ADJ
esutjss-256	136	32	adults	adult	NOUN
esutjss-256	136	33	.	.	PUNCT
esutjss-256	137	1	this	this	PRON
esutjss-256	137	2	would	would	AUX
esutjss-256	137	3	provide	provide	VERB
esutjss-256	137	4	a	a	DET
esutjss-256	137	5	more	more	ADV
esutjss-256	137	6	comprehensive	comprehensive	ADJ
esutjss-256	137	7	understanding	understanding	NOUN
esutjss-256	137	8	of	of	ADP
esutjss-256	137	9	how	how	SCONJ
esutjss-256	137	10	different	different	ADJ
esutjss-256	137	11	age	age	NOUN
esutjss-256	137	12	groups	group	NOUN
esutjss-256	137	13	,	,	PUNCT
esutjss-256	137	14	educational	educational	ADJ
esutjss-256	137	15	levels	level	NOUN
esutjss-256	137	16	,	,	PUNCT
esutjss-256	137	17	and	and	CCONJ
esutjss-256	137	18	occupations	occupation	NOUN
esutjss-256	137	19	influence	influence	VERB
esutjss-256	137	20	the	the	DET
esutjss-256	137	21	adoption	adoption	NOUN
esutjss-256	137	22	of	of	ADP
esutjss-256	137	23	online	online	ADJ
esutjss-256	137	24	banking	banking	NOUN
esutjss-256	137	25	and	and	CCONJ
esutjss-256	137	26	the	the	DET
esutjss-256	137	27	role	role	NOUN
esutjss-256	137	28	of	of	ADP
esutjss-256	137	29	perceived	perceive	VERB
esutjss-256	137	30	risk	risk	NOUN
esutjss-256	137	31	.	.	PUNCT
esutjss-256	138	1	future	future	ADJ
esutjss-256	138	2	researchers	researcher	NOUN
esutjss-256	138	3	should	should	AUX
esutjss-256	138	4	increase	increase	VERB
esutjss-256	138	5	sample	sample	NOUN
esutjss-256	138	6	size	size	NOUN
esutjss-256	138	7	and	and	CCONJ
esutjss-256	138	8	also	also	ADV
esutjss-256	138	9	increase	increase	VERB
esutjss-256	138	10	the	the	DET
esutjss-256	138	11	geographical	geographical	ADJ
esutjss-256	138	12	coverage	coverage	NOUN
esutjss-256	138	13	so	so	SCONJ
esutjss-256	138	14	as	as	SCONJ
esutjss-256	138	15	to	to	PART
esutjss-256	138	16	close	close	VERB
esutjss-256	138	17	the	the	DET
esutjss-256	138	18	cultural	cultural	ADJ
esutjss-256	138	19	gap	gap	NOUN
esutjss-256	138	20	in	in	ADP
esutjss-256	138	21	this	this	DET
esutjss-256	138	22	study	study	NOUN
esutjss-256	138	23	.	.	PUNCT
esutjss-256	139	1	the	the	DET
esutjss-256	139	2	findings	finding	NOUN
esutjss-256	139	3	reveal	reveal	VERB
esutjss-256	139	4	that	that	SCONJ
esutjss-256	139	5	perceived	perceive	VERB
esutjss-256	139	6	risk	risk	NOUN
esutjss-256	139	7	does	do	AUX
esutjss-256	139	8	not	not	PART
esutjss-256	139	9	significantly	significantly	ADV
esutjss-256	139	10	impact	impact	VERB
esutjss-256	139	11	the	the	DET
esutjss-256	139	12	adoption	adoption	NOUN
esutjss-256	139	13	of	of	ADP
esutjss-256	139	14	online	online	ADJ
esutjss-256	139	15	banking	banking	NOUN
esutjss-256	139	16	,	,	PUNCT
esutjss-256	139	17	suggesting	suggest	VERB
esutjss-256	139	18	that	that	SCONJ
esutjss-256	139	19	concerns	concern	NOUN
esutjss-256	139	20	about	about	ADP
esutjss-256	139	21	security	security	NOUN
esutjss-256	139	22	or	or	CCONJ
esutjss-256	139	23	privacy	privacy	NOUN
esutjss-256	139	24	are	be	AUX
esutjss-256	139	25	not	not	PART
esutjss-256	139	26	major	major	ADJ
esutjss-256	139	27	barriers	barrier	NOUN
esutjss-256	139	28	for	for	ADP
esutjss-256	139	29	this	this	DET
esutjss-256	139	30	demographic	demographic	NOUN
esutjss-256	139	31	.	.	PUNCT
esutjss-256	140	1	instead	instead	ADV
esutjss-256	140	2	,	,	PUNCT
esutjss-256	140	3	technology	technology	NOUN
esutjss-256	140	4	acceptance	acceptance	NOUN
esutjss-256	140	5	plays	play	VERB
esutjss-256	140	6	a	a	DET
esutjss-256	140	7	pivotal	pivotal	ADJ
esutjss-256	140	8	role	role	NOUN
esutjss-256	140	9	,	,	PUNCT
esutjss-256	140	10	as	as	SCONJ
esutjss-256	140	11	students	student	NOUN
esutjss-256	140	12	who	who	PRON
esutjss-256	140	13	view	view	VERB
esutjss-256	140	14	online	online	ADJ
esutjss-256	140	15	banking	banking	NOUN
esutjss-256	140	16	as	as	ADP
esutjss-256	140	17	useful	useful	ADJ
esutjss-256	140	18	and	and	CCONJ
esutjss-256	140	19	easy	easy	ADJ
esutjss-256	140	20	to	to	PART
esutjss-256	140	21	use	use	VERB
esutjss-256	140	22	are	be	AUX
esutjss-256	140	23	more	more	ADV
esutjss-256	140	24	likely	likely	ADJ
esutjss-256	140	25	to	to	PART
esutjss-256	140	26	adopt	adopt	VERB
esutjss-256	140	27	it	it	PRON
esutjss-256	140	28	.	.	PUNCT
esutjss-256	141	1	additionally	additionally	ADV
esutjss-256	141	2	,	,	PUNCT
esutjss-256	141	3	while	while	SCONJ
esutjss-256	141	4	perceived	perceive	VERB
esutjss-256	141	5	risk	risk	NOUN
esutjss-256	141	6	does	do	AUX
esutjss-256	141	7	not	not	PART
esutjss-256	141	8	directly	directly	ADV
esutjss-256	141	9	deter	deter	VERB
esutjss-256	141	10	adoption	adoption	NOUN
esutjss-256	141	11	,	,	PUNCT
esutjss-256	141	12	it	it	PRON
esutjss-256	141	13	influences	influence	VERB
esutjss-256	141	14	technology	technology	NOUN
esutjss-256	141	15	acceptance	acceptance	NOUN
esutjss-256	141	16	,	,	PUNCT
esutjss-256	141	17	indicating	indicate	VERB
esutjss-256	141	18	that	that	SCONJ
esutjss-256	141	19	efforts	effort	NOUN
esutjss-256	141	20	to	to	PART
esutjss-256	141	21	improve	improve	VERB
esutjss-256	141	22	students	student	NOUN
esutjss-256	141	23	'	'	PART
esutjss-256	141	24	confidence	confidence	NOUN
esutjss-256	141	25	in	in	ADP
esutjss-256	141	26	the	the	DET
esutjss-256	141	27	safety	safety	NOUN
esutjss-256	141	28	and	and	CCONJ
esutjss-256	141	29	reliability	reliability	NOUN
esutjss-256	141	30	of	of	ADP
esutjss-256	141	31	online	online	ADJ
esutjss-256	141	32	banking	banking	NOUN
esutjss-256	141	33	are	be	AUX
esutjss-256	141	34	important	important	ADJ
esutjss-256	141	35	.	.	PUNCT
esutjss-256	142	1	overall	overall	ADV
esutjss-256	142	2	,	,	PUNCT
esutjss-256	142	3	the	the	DET
esutjss-256	142	4	study	study	NOUN
esutjss-256	142	5	emphasizes	emphasize	VERB
esutjss-256	142	6	that	that	SCONJ
esutjss-256	142	7	fostering	foster	VERB
esutjss-256	142	8	a	a	DET
esutjss-256	142	9	positive	positive	ADJ
esutjss-256	142	10	user	user	NOUN
esutjss-256	142	11	experience	experience	NOUN
esutjss-256	142	12	and	and	CCONJ
esutjss-256	142	13	addressing	address	VERB
esutjss-256	142	14	security	security	NOUN
esutjss-256	142	15	concerns	concern	NOUN
esutjss-256	142	16	are	be	AUX
esutjss-256	142	17	essential	essential	ADJ
esutjss-256	142	18	strategies	strategy	NOUN
esutjss-256	142	19	for	for	ADP
esutjss-256	142	20	increasing	increase	VERB
esutjss-256	142	21	online	online	ADJ
esutjss-256	142	22	banking	banking	NOUN
esutjss-256	142	23	adoption	adoption	NOUN
esutjss-256	142	24	among	among	ADP
esutjss-256	142	25	young	young	ADJ
esutjss-256	142	26	,	,	PUNCT
esutjss-256	142	27	techsavvy	techsavvy	ADJ
esutjss-256	142	28	users	user	NOUN
esutjss-256	142	29	.	.	PUNCT
esutjss-256	143	1	these	these	DET
esutjss-256	143	2	insights	insight	NOUN
esutjss-256	143	3	not	not	PART
esutjss-256	143	4	only	only	ADV
esutjss-256	143	5	contribute	contribute	VERB
esutjss-256	143	6	to	to	ADP
esutjss-256	143	7	a	a	DET
esutjss-256	143	8	better	well	ADJ
esutjss-256	143	9	understanding	understanding	NOUN
esutjss-256	143	10	of	of	ADP
esutjss-256	143	11	digital	digital	ADJ
esutjss-256	143	12	banking	banking	NOUN
esutjss-256	143	13	behaviors	behavior	NOUN
esutjss-256	143	14	but	but	CCONJ
esutjss-256	143	15	also	also	ADV
esutjss-256	143	16	offer	offer	VERB
esutjss-256	143	17	practical	practical	ADJ
esutjss-256	143	18	recommendations	recommendation	NOUN
esutjss-256	143	19	for	for	ADP
esutjss-256	143	20	financial	financial	ADJ
esutjss-256	143	21	institutions	institution	NOUN
esutjss-256	143	22	seeking	seek	VERB
esutjss-256	143	23	to	to	PART
esutjss-256	143	24	enhance	enhance	VERB
esutjss-256	143	25	service	service	NOUN
esutjss-256	143	26	uptake	uptake	ADJ
esutjss-256	143	27	among	among	ADP
esutjss-256	143	28	undergraduates	undergraduate	NOUN
esutjss-256	143	29	.	.	PUNCT
esutjss-256	144	1	references	reference	NOUN
esutjss-256	144	2	alalwan	alalwan	PROPN
esutjss-256	144	3	,	,	PUNCT
esutjss-256	144	4	a.	a.	PROPN
esutjss-256	144	5	,	,	PUNCT
esutjss-256	144	6	dwivedi	dwivedi	PROPN
esutjss-256	144	7	,	,	PUNCT
esutjss-256	144	8	y.	y.	PROPN
esutjss-256	144	9	,	,	PUNCT
esutjss-256	144	10	rana	rana	PROPN
esutjss-256	144	11	,	,	PUNCT
esutjss-256	144	12	n.	n.	PROPN
esutjss-256	144	13	,	,	PUNCT
esutjss-256	144	14	algharabat	algharabat	PROPN
esutjss-256	144	15	,	,	PUNCT
esutjss-256	144	16	r.	r.	PROPN
esutjss-256	144	17	(	(	PUNCT
esutjss-256	144	18	2018	2018	NUM
esutjss-256	144	19	)	)	PUNCT
esutjss-256	144	20	.	.	PUNCT
esutjss-256	145	1	examining	examine	VERB
esutjss-256	145	2	factors	factor	NOUN
esutjss-256	145	3	influencing	influence	VERB
esutjss-256	145	4	jordanian	jordanian	ADJ
esutjss-256	145	5	customers	customer	NOUN
esutjss-256	145	6	’	’	PART
esutjss-256	145	7	intentions	intention	NOUN
esutjss-256	145	8	and	and	CCONJ
esutjss-256	145	9	adoption	adoption	NOUN
esutjss-256	145	10	of	of	ADP
esutjss-256	145	11	internet	internet	NOUN
esutjss-256	145	12	banking	banking	NOUN
esutjss-256	145	13	:	:	PUNCT
esutjss-256	145	14	extending	extend	VERB
esutjss-256	145	15	utaut2	utaut2	NOUN
esutjss-256	145	16	with	with	ADP
esutjss-256	145	17	risk	risk	NOUN
esutjss-256	145	18	.	.	PUNCT
esutjss-256	146	1	journal	journal	NOUN
esutjss-256	146	2	of	of	ADP
esutjss-256	146	3	retailing	retailing	NOUN
esutjss-256	146	4	and	and	CCONJ
esutjss-256	146	5	consumer	consumer	NOUN
esutjss-256	146	6	services	service	NOUN
esutjss-256	146	7	,	,	PUNCT
esutjss-256	146	8	40	40	NUM
esutjss-256	146	9	,	,	PUNCT
esutjss-256	146	10	125	125	NUM
esutjss-256	146	11	-	-	SYM
esutjss-256	146	12	138	138	NUM
esutjss-256	146	13	.	.	PUNCT
esutjss-256	146	14	63	63	NUM
esutjss-256	146	15	celik	celik	X
esutjss-256	146	16	,	,	PUNCT
esutjss-256	146	17	h.	h.	PROPN
esutjss-256	146	18	&	&	CCONJ
esutjss-256	146	19	kocaman	kocaman	PROPN
esutjss-256	146	20	,	,	PUNCT
esutjss-256	146	21	r.	r.	PROPN
esutjss-256	146	22	(	(	PUNCT
esutjss-256	146	23	1017	1017	NUM
esutjss-256	146	24	)	)	PUNCT
esutjss-256	146	25	.	.	PUNCT
esutjss-256	147	1	roles	role	NOUN
esutjss-256	147	2	of	of	ADP
esutjss-256	147	3	self	self	NOUN
esutjss-256	147	4	-	-	PUNCT
esutjss-256	147	5	monitoring	monitoring	NOUN
esutjss-256	147	6	,	,	PUNCT
esutjss-256	147	7	fashion	fashion	NOUN
esutjss-256	147	8	involvement	involvement	NOUN
esutjss-256	147	9	and	and	CCONJ
esutjss-256	147	10	technology	technology	NOUN
esutjss-256	147	11	readiness	readiness	NOUN
esutjss-256	147	12	in	in	ADP
esutjss-256	147	13	an	an	DET
esutjss-256	147	14	individual	individual	NOUN
esutjss-256	147	15	’s	’s	PART
esutjss-256	147	16	propensity	propensity	NOUN
esutjss-256	147	17	to	to	PART
esutjss-256	147	18	use	use	VERB
esutjss-256	147	19	mobile	mobile	ADJ
esutjss-256	147	20	shopping	shopping	NOUN
esutjss-256	147	21	.	.	PUNCT
esutjss-256	148	1	journal	journal	PROPN
esutjss-256	148	2	of	of	ADP
esutjss-256	148	3	systems	system	NOUN
esutjss-256	148	4	and	and	CCONJ
esutjss-256	148	5	information	information	NOUN
esutjss-256	148	6	technology	technology	NOUN
esutjss-256	148	7	,	,	PUNCT
esutjss-256	148	8	19	19	NUM
esutjss-256	148	9	,	,	PUNCT
esutjss-256	148	10	166	166	NUM
esutjss-256	148	11	-	-	SYM
esutjss-256	148	12	182	182	NUM
esutjss-256	148	13	.	.	PUNCT
esutjss-256	149	1	chuang	chuang	PROPN
esutjss-256	149	2	,	,	PUNCT
esutjss-256	149	3	l.	l.	PROPN
esutjss-256	149	4	m.	m.	PROPN
esutjss-256	149	5	,	,	PUNCT
esutjss-256	149	6	liu	liu	PROPN
esutjss-256	149	7	,	,	PUNCT
esutjss-256	149	8	c.	c.	PROPN
esutjss-256	149	9	c.	c.	PROPN
esutjss-256	149	10	,	,	PUNCT
esutjss-256	149	11	&	&	CCONJ
esutjss-256	149	12	kao	kao	PROPN
esutjss-256	149	13	,	,	PUNCT
esutjss-256	149	14	h.	h.	PROPN
esutjss-256	149	15	k.	k.	PROPN
esutjss-256	149	16	(	(	PUNCT
esutjss-256	149	17	2020	2020	NUM
esutjss-256	149	18	)	)	PUNCT
esutjss-256	149	19	.	.	PUNCT
esutjss-256	150	1	the	the	DET
esutjss-256	150	2	adoption	adoption	NOUN
esutjss-256	150	3	of	of	ADP
esutjss-256	150	4	fintech	fintech	NOUN
esutjss-256	150	5	service	service	NOUN
esutjss-256	150	6	:	:	PUNCT
esutjss-256	150	7	tam	tam	PROPN
esutjss-256	150	8	perspective	perspective	NOUN
esutjss-256	150	9	.	.	PUNCT
esutjss-256	151	1	international	international	ADJ
esutjss-256	151	2	journal	journal	PROPN
esutjss-256	151	3	of	of	ADP
esutjss-256	151	4	management	management	NOUN
esutjss-256	151	5	,	,	PUNCT
esutjss-256	151	6	economics	economic	NOUN
esutjss-256	151	7	and	and	CCONJ
esutjss-256	151	8	social	social	ADJ
esutjss-256	151	9	sciences	science	NOUN
esutjss-256	151	10	,	,	PUNCT
esutjss-256	151	11	9(1	9(1	NUM
esutjss-256	151	12	)	)	PUNCT
esutjss-256	151	13	,	,	PUNCT
esutjss-256	151	14	32	32	NUM
esutjss-256	151	15	-	-	SYM
esutjss-256	151	16	52	52	NUM
esutjss-256	151	17	.	.	PUNCT
esutjss-256	152	1	davis	davis	PROPN
esutjss-256	152	2	,	,	PUNCT
esutjss-256	152	3	f.d	f.d	PROPN
esutjss-256	152	4	.	.	PROPN
esutjss-256	152	5	,	,	PUNCT
esutjss-256	152	6	bagozzi	bagozzi	PROPN
esutjss-256	152	7	,	,	PUNCT
esutjss-256	152	8	r.p	r.p	PROPN
esutjss-256	152	9	.	.	PROPN
esutjss-256	152	10	and	and	CCONJ
esutjss-256	152	11	warshaw	warshaw	PROPN
esutjss-256	152	12	,	,	PUNCT
esutjss-256	152	13	p.r	p.r	PROPN
esutjss-256	152	14	.	.	PROPN
esutjss-256	152	15	(	(	PUNCT
esutjss-256	152	16	1989	1989	NUM
esutjss-256	152	17	)	)	PUNCT
esutjss-256	152	18	user	user	NOUN
esutjss-256	152	19	acceptance	acceptance	NOUN
esutjss-256	152	20	of	of	ADP
esutjss-256	152	21	computer	computer	NOUN
esutjss-256	152	22	technology	technology	NOUN
esutjss-256	152	23	:	:	PUNCT
esutjss-256	152	24	a	a	DET
esutjss-256	152	25	comparison	comparison	NOUN
esutjss-256	152	26	of	of	ADP
esutjss-256	152	27	two	two	NUM
esutjss-256	152	28	theoretical	theoretical	ADJ
esutjss-256	152	29	models	model	NOUN
esutjss-256	152	30	.	.	PUNCT
esutjss-256	153	1	management	management	NOUN
esutjss-256	153	2	science	science	NOUN
esutjss-256	153	3	,	,	PUNCT
esutjss-256	153	4	35	35	NUM
esutjss-256	153	5	,	,	PUNCT
esutjss-256	153	6	9821003	9821003	NUM
esutjss-256	153	7	.	.	PUNCT
esutjss-256	154	1	ezeanya	ezeanya	PROPN
esutjss-256	154	2	,	,	PUNCT
esutjss-256	154	3	i.	i.	PROPN
esutjss-256	154	4	d.	d.	PROPN
esutjss-256	154	5	,	,	PUNCT
esutjss-256	154	6	ani	ani	PROPN
esutjss-256	154	7	,	,	PUNCT
esutjss-256	154	8	c.	c.	PROPN
esutjss-256	154	9	p.	p.	PROPN
esutjss-256	154	10	,	,	PUNCT
esutjss-256	154	11	anene	anene	ADJ
esutjss-256	154	12	,	,	PUNCT
esutjss-256	154	13	k.	k.	PROPN
esutjss-256	154	14	o.	o.	PROPN
esutjss-256	154	15	,	,	PUNCT
esutjss-256	154	16	mabia	mabia	PROPN
esutjss-256	154	17	,	,	PUNCT
esutjss-256	154	18	c.	c.	PROPN
esutjss-256	154	19	e.	e.	PROPN
esutjss-256	154	20	&	&	CCONJ
esutjss-256	154	21	iloke	iloke	PROPN
esutjss-256	154	22	,	,	PUNCT
esutjss-256	154	23	s.	s.	PROPN
esutjss-256	154	24	e.	e.	PROPN
esutjss-256	154	25	(	(	PUNCT
esutjss-256	154	26	2024	2024	NUM
esutjss-256	154	27	)	)	PUNCT
esutjss-256	154	28	.	.	PUNCT
esutjss-256	155	1	marketing	marketing	NOUN
esutjss-256	155	2	stratetegy	stratetegy	NOUN
esutjss-256	155	3	and	and	CCONJ
esutjss-256	155	4	consumer	consumer	NOUN
esutjss-256	155	5	trust	trust	NOUN
esutjss-256	155	6	as	as	ADP
esutjss-256	155	7	predictors	predictor	NOUN
esutjss-256	155	8	of	of	ADP
esutjss-256	155	9	online	online	ADJ
esutjss-256	155	10	buying	buying	NOUN
esutjss-256	155	11	behaviour	behaviour	NOUN
esutjss-256	155	12	among	among	ADP
esutjss-256	155	13	users	user	NOUN
esutjss-256	155	14	of	of	ADP
esutjss-256	155	15	online	online	ADJ
esutjss-256	155	16	purchasing	purchasing	NOUN
esutjss-256	155	17	platforms	platform	NOUN
esutjss-256	155	18	in	in	ADP
esutjss-256	155	19	awka	awka	NOUN
esutjss-256	155	20	,	,	PUNCT
esutjss-256	155	21	anambra	anambra	PROPN
esutjss-256	155	22	state	state	PROPN
esutjss-256	155	23	.	.	PUNCT
esutjss-256	156	1	zik	zik	PROPN
esutjss-256	156	2	journal	journal	PROPN
esutjss-256	156	3	of	of	ADP
esutjss-256	156	4	multidisciplinary	multidisciplinary	ADJ
esutjss-256	156	5	research	research	NOUN
esutjss-256	156	6	,	,	PUNCT
esutjss-256	156	7	7(1	7(1	NUM
esutjss-256	156	8	)	)	PUNCT
esutjss-256	156	9	,	,	PUNCT
esutjss-256	156	10	194	194	NUM
esutjss-256	156	11	-	-	SYM
esutjss-256	156	12	206	206	NUM
esutjss-256	156	13	.	.	PUNCT
esutjss-256	157	1	ezeanya	ezeanya	PROPN
esutjss-256	157	2	,	,	PUNCT
esutjss-256	157	3	i.	i.	PROPN
esutjss-256	157	4	d.	d.	PROPN
esutjss-256	157	5	,	,	PUNCT
esutjss-256	157	6	obiorah	obiorah	PROPN
esutjss-256	157	7	,	,	PUNCT
esutjss-256	158	1	o.	o.	PROPN
esutjss-256	158	2	v.	v.	PROPN
esutjss-256	158	3	,	,	PUNCT
esutjss-256	158	4	nnaebue	nnaebue	NOUN
esutjss-256	158	5	,	,	PUNCT
esutjss-256	158	6	c.	c.	PROPN
esutjss-256	158	7	i.	i.	PROPN
esutjss-256	158	8	&	&	CCONJ
esutjss-256	158	9	anike	anike	PROPN
esutjss-256	158	10	,	,	PUNCT
esutjss-256	158	11	r.	r.	PROPN
esutjss-256	158	12	u.	u.	PROPN
esutjss-256	158	13	(	(	PUNCT
esutjss-256	158	14	2023	2023	NUM
esutjss-256	158	15	)	)	PUNCT
esutjss-256	158	16	.	.	PUNCT
esutjss-256	159	1	relationship	relationship	NOUN
esutjss-256	159	2	between	between	ADP
esutjss-256	159	3	risk	risk	NOUN
esutjss-256	159	4	perception	perception	NOUN
esutjss-256	159	5	dimensions	dimension	NOUN
esutjss-256	159	6	and	and	CCONJ
esutjss-256	159	7	online	online	ADJ
esutjss-256	159	8	purchase	purchase	NOUN
esutjss-256	159	9	among	among	ADP
esutjss-256	159	10	undergraduates	undergraduate	NOUN
esutjss-256	159	11	of	of	ADP
esutjss-256	159	12	nnamdi	nnamdi	PROPN
esutjss-256	159	13	azikiwe	azikiwe	PROPN
esutjss-256	159	14	university	university	NOUN
esutjss-256	159	15	awka	awka	NOUN
esutjss-256	159	16	.	.	PUNCT
esutjss-256	160	1	nigerian	nigerian	ADJ
esutjss-256	160	2	journal	journal	PROPN
esutjss-256	160	3	of	of	ADP
esutjss-256	160	4	social	social	ADJ
esutjss-256	160	5	psychology	psychology	NOUN
esutjss-256	160	6	,	,	PUNCT
esutjss-256	160	7	6(1	6(1	NUM
esutjss-256	160	8	)	)	PUNCT
esutjss-256	160	9	,	,	PUNCT
esutjss-256	160	10	36	36	NUM
esutjss-256	160	11	-	-	SYM
esutjss-256	160	12	43	43	NUM
esutjss-256	160	13	.	.	PUNCT
esutjss-256	161	1	featherman	featherman	PROPN
esutjss-256	161	2	,	,	PUNCT
esutjss-256	161	3	m.	m.	NOUN
esutjss-256	161	4	s.	s.	PROPN
esutjss-256	161	5	,	,	PUNCT
esutjss-256	161	6	&	&	CCONJ
esutjss-256	161	7	hajli	hajli	PROPN
esutjss-256	161	8	,	,	PUNCT
esutjss-256	161	9	n.	n.	NOUN
esutjss-256	161	10	(	(	PUNCT
esutjss-256	161	11	2016	2016	NUM
esutjss-256	161	12	)	)	PUNCT
esutjss-256	161	13	.	.	PUNCT
esutjss-256	162	1	self	self	NOUN
esutjss-256	162	2	-	-	PUNCT
esutjss-256	162	3	service	service	NOUN
esutjss-256	162	4	technologies	technology	NOUN
esutjss-256	162	5	and	and	CCONJ
esutjss-256	162	6	e	e	NOUN
esutjss-256	162	7	-	-	NOUN
esutjss-256	162	8	services	service	NOUN
esutjss-256	162	9	risks	risk	NOUN
esutjss-256	162	10	in	in	ADP
esutjss-256	162	11	social	social	ADJ
esutjss-256	162	12	commerce	commerce	NOUN
esutjss-256	162	13	era	era	NOUN
esutjss-256	162	14	.	.	PUNCT
esutjss-256	163	1	journal	journal	PROPN
esutjss-256	163	2	of	of	ADP
esutjss-256	163	3	business	business	NOUN
esutjss-256	163	4	research	research	NOUN
esutjss-256	163	5	,	,	PUNCT
esutjss-256	163	6	69(11	69(11	NOUN
esutjss-256	163	7	)	)	PUNCT
esutjss-256	163	8	,	,	PUNCT
esutjss-256	163	9	4844	4844	NUM
esutjss-256	163	10	-	-	SYM
esutjss-256	163	11	4853	4853	NUM
esutjss-256	163	12	.	.	PUNCT
esutjss-256	164	1	featherman	featherman	PROPN
esutjss-256	164	2	,	,	PUNCT
esutjss-256	164	3	m.	m.	NOUN
esutjss-256	164	4	s.	s.	PROPN
esutjss-256	164	5	,	,	PUNCT
esutjss-256	164	6	&	&	CCONJ
esutjss-256	164	7	pavlou	pavlou	PROPN
esutjss-256	164	8	,	,	PUNCT
esutjss-256	164	9	p.	p.	NOUN
esutjss-256	164	10	a.	a.	NOUN
esutjss-256	165	1	(	(	PUNCT
esutjss-256	165	2	2003	2003	NUM
esutjss-256	165	3	)	)	PUNCT
esutjss-256	165	4	.	.	PUNCT
esutjss-256	166	1	predicting	predict	VERB
esutjss-256	166	2	e	e	PROPN
esutjss-256	166	3	-	-	ADJ
esutjss-256	166	4	services	service	NOUN
esutjss-256	166	5	adoption	adoption	NOUN
esutjss-256	166	6	:	:	PUNCT
esutjss-256	166	7	a	a	DET
esutjss-256	166	8	perceived	perceive	VERB
esutjss-256	166	9	risk	risk	NOUN
esutjss-256	166	10	facets	facet	NOUN
esutjss-256	166	11	perspective	perspective	NOUN
esutjss-256	166	12	.	.	PUNCT
esutjss-256	167	1	international	international	ADJ
esutjss-256	167	2	journal	journal	PROPN
esutjss-256	167	3	of	of	ADP
esutjss-256	167	4	human	human	ADJ
esutjss-256	167	5	-	-	PUNCT
esutjss-256	167	6	computer	computer	NOUN
esutjss-256	167	7	studies	study	NOUN
esutjss-256	167	8	,	,	PUNCT
esutjss-256	167	9	59(4	59(4	NUM
esutjss-256	167	10	)	)	PUNCT
esutjss-256	167	11	,	,	PUNCT
esutjss-256	167	12	451	451	NUM
esutjss-256	167	13	-	-	SYM
esutjss-256	167	14	474	474	NUM
esutjss-256	167	15	.	.	PUNCT
esutjss-256	168	1	forsythe	forsythe	PROPN
esutjss-256	168	2	,	,	PUNCT
esutjss-256	168	3	s.	s.	PROPN
esutjss-256	168	4	,	,	PUNCT
esutjss-256	168	5	wang	wang	PROPN
esutjss-256	168	6	,	,	PUNCT
esutjss-256	168	7	y.	y.	PROPN
esutjss-256	168	8	,	,	PUNCT
esutjss-256	168	9	&	&	CCONJ
esutjss-256	168	10	tseng	tseng	PROPN
esutjss-256	168	11	,	,	PUNCT
esutjss-256	168	12	s.	s.	PROPN
esutjss-256	168	13	(	(	PUNCT
esutjss-256	168	14	2020	2020	NUM
esutjss-256	168	15	)	)	PUNCT
esutjss-256	168	16	.	.	PUNCT
esutjss-256	169	1	understanding	understand	VERB
esutjss-256	169	2	consumer	consumer	NOUN
esutjss-256	169	3	online	online	ADJ
esutjss-256	169	4	shopping	shopping	NOUN
esutjss-256	169	5	behavior	behavior	NOUN
esutjss-256	169	6	and	and	CCONJ
esutjss-256	169	7	perceived	perceive	VERB
esutjss-256	169	8	risk	risk	NOUN
esutjss-256	169	9	.	.	PUNCT
esutjss-256	170	1	journal	journal	NOUN
esutjss-256	170	2	of	of	ADP
esutjss-256	170	3	retailing	retailing	NOUN
esutjss-256	170	4	and	and	CCONJ
esutjss-256	170	5	consumer	consumer	NOUN
esutjss-256	170	6	services	service	NOUN
esutjss-256	170	7	,	,	PUNCT
esutjss-256	170	8	52	52	NUM
esutjss-256	170	9	,	,	PUNCT
esutjss-256	170	10	101919	101919	NUM
esutjss-256	170	11	.	.	PUNCT
esutjss-256	171	1	kim	kim	PROPN
esutjss-256	171	2	,	,	PUNCT
esutjss-256	171	3	j.	j.	PROPN
esutjss-256	171	4	,	,	PUNCT
esutjss-256	171	5	shin	shin	PROPN
esutjss-256	171	6	,	,	PUNCT
esutjss-256	171	7	d.	d.	PROPN
esutjss-256	171	8	h.	h.	PROPN
esutjss-256	171	9	,	,	PUNCT
esutjss-256	171	10	&	&	CCONJ
esutjss-256	171	11	lee	lee	PROPN
esutjss-256	171	12	,	,	PUNCT
esutjss-256	171	13	k.	k.	PROPN
esutjss-256	171	14	h.	h.	PROPN
esutjss-256	171	15	(	(	PUNCT
esutjss-256	171	16	2020	2020	NUM
esutjss-256	171	17	)	)	PUNCT
esutjss-256	171	18	.	.	PUNCT
esutjss-256	172	1	factors	factor	NOUN
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esutjss-256	172	3	the	the	DET
esutjss-256	172	4	continuous	continuous	ADJ
esutjss-256	172	5	intention	intention	NOUN
esutjss-256	172	6	to	to	PART
esutjss-256	172	7	use	use	VERB
esutjss-256	172	8	online	online	ADJ
esutjss-256	172	9	banking	banking	NOUN
esutjss-256	172	10	:	:	PUNCT
esutjss-256	172	11	the	the	DET
esutjss-256	172	12	role	role	NOUN
esutjss-256	172	13	of	of	ADP
esutjss-256	172	14	self	self	NOUN
esutjss-256	172	15	-	-	PUNCT
esutjss-256	172	16	service	service	NOUN
esutjss-256	172	17	technology	technology	NOUN
esutjss-256	172	18	.	.	PUNCT
esutjss-256	173	1	journal	journal	PROPN
esutjss-256	173	2	of	of	ADP
esutjss-256	173	3	retailing	retailing	NOUN
esutjss-256	173	4	and	and	CCONJ
esutjss-256	173	5	consumer	consumer	NOUN
esutjss-256	173	6	services	service	NOUN
esutjss-256	173	7	,	,	PUNCT
esutjss-256	173	8	55	55	NUM
esutjss-256	173	9	,	,	PUNCT
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esutjss-256	173	11	.	.	PUNCT
esutjss-256	174	1	liao	liao	PROPN
esutjss-256	174	2	,	,	PUNCT
esutjss-256	174	3	z.	z.	PROPN
esutjss-256	174	4	,	,	PUNCT
esutjss-256	174	5	&	&	CCONJ
esutjss-256	174	6	cheung	cheung	PROPN
esutjss-256	174	7	,	,	PUNCT
esutjss-256	174	8	m.	m.	NOUN
esutjss-256	174	9	t.	t.	PROPN
esutjss-256	174	10	(	(	PUNCT
esutjss-256	174	11	2002	2002	NUM
esutjss-256	174	12	)	)	PUNCT
esutjss-256	174	13	.	.	PUNCT
esutjss-256	175	1	internet	internet	NOUN
esutjss-256	175	2	-	-	PUNCT
esutjss-256	175	3	based	base	VERB
esutjss-256	175	4	e	e	NOUN
esutjss-256	175	5	-	-	NOUN
esutjss-256	175	6	banking	banking	NOUN
esutjss-256	175	7	and	and	CCONJ
esutjss-256	175	8	consumer	consumer	NOUN
esutjss-256	175	9	attitudes	attitude	NOUN
esutjss-256	175	10	:	:	PUNCT
esutjss-256	175	11	an	an	DET
esutjss-256	175	12	empirical	empirical	ADJ
esutjss-256	175	13	study	study	NOUN
esutjss-256	175	14	.	.	PUNCT
esutjss-256	176	1	information	information	NOUN
esutjss-256	176	2	&	&	CCONJ
esutjss-256	176	3	management	management	PROPN
esutjss-256	176	4	,	,	PUNCT
esutjss-256	176	5	39	39	NUM
esutjss-256	176	6	(	(	PUNCT
esutjss-256	176	7	4	4	NUM
esutjss-256	176	8	)	)	PUNCT
esutjss-256	176	9	,	,	PUNCT
esutjss-256	176	10	283	283	NUM
esutjss-256	176	11	-	-	SYM
esutjss-256	176	12	295	295	NUM
esutjss-256	176	13	.	.	PUNCT
esutjss-256	177	1	martins	martin	NOUN
esutjss-256	177	2	,	,	PUNCT
esutjss-256	177	3	c.	c.	PROPN
esutjss-256	177	4	,	,	PUNCT
esutjss-256	177	5	oliveira	oliveira	PROPN
esutjss-256	177	6	,	,	PUNCT
esutjss-256	177	7	t.	t.	PROPN
esutjss-256	177	8	,	,	PUNCT
esutjss-256	177	9	&	&	CCONJ
esutjss-256	177	10	popovič	popovič	PROPN
esutjss-256	177	11	,	,	PUNCT
esutjss-256	177	12	a.	a.	NOUN
esutjss-256	177	13	(	(	PUNCT
esutjss-256	177	14	2014	2014	NUM
esutjss-256	177	15	)	)	PUNCT
esutjss-256	177	16	.	.	PUNCT
esutjss-256	178	1	understanding	understand	VERB
esutjss-256	178	2	the	the	DET
esutjss-256	178	3	internet	internet	NOUN
esutjss-256	178	4	banking	banking	NOUN
esutjss-256	178	5	adoption	adoption	NOUN
esutjss-256	178	6	:	:	PUNCT
esutjss-256	178	7	a	a	DET
esutjss-256	178	8	unified	unified	ADJ
esutjss-256	178	9	theory	theory	NOUN
esutjss-256	178	10	of	of	ADP
esutjss-256	178	11	acceptance	acceptance	NOUN
esutjss-256	178	12	and	and	CCONJ
esutjss-256	178	13	use	use	NOUN
esutjss-256	178	14	of	of	ADP
esutjss-256	178	15	technology	technology	NOUN
esutjss-256	178	16	and	and	CCONJ
esutjss-256	178	17	perceived	perceive	VERB
esutjss-256	178	18	risk	risk	NOUN
esutjss-256	178	19	application	application	NOUN
esutjss-256	178	20	.	.	PUNCT
esutjss-256	179	1	international	international	ADJ
esutjss-256	179	2	journal	journal	PROPN
esutjss-256	179	3	of	of	ADP
esutjss-256	179	4	information	information	NOUN
esutjss-256	179	5	management	management	NOUN
esutjss-256	179	6	,	,	PUNCT
esutjss-256	179	7	34	34	NUM
esutjss-256	179	8	(	(	PUNCT
esutjss-256	179	9	1	1	NUM
esutjss-256	179	10	)	)	PUNCT
esutjss-256	179	11	,	,	PUNCT
esutjss-256	179	12	1	1	NUM
esutjss-256	179	13	-	-	SYM
esutjss-256	179	14	13	13	NUM
esutjss-256	179	15	.	.	PUNCT
esutjss-256	180	1	natarajan	natarajan	PROPN
esutjss-256	180	2	,	,	PUNCT
esutjss-256	180	3	t.	t.	PROPN
esutjss-256	180	4	,	,	PUNCT
esutjss-256	180	5	balasubramanian	balasubramanian	PROPN
esutjss-256	180	6	,	,	PUNCT
esutjss-256	180	7	s.	s.	PROPN
esutjss-256	180	8	a.	a.	PROPN
esutjss-256	180	9	,	,	PUNCT
esutjss-256	180	10	&	&	CCONJ
esutjss-256	180	11	kasilingam	kasilingam	PROPN
esutjss-256	180	12	,	,	PUNCT
esutjss-256	180	13	d.	d.	PROPN
esutjss-256	180	14	l.	l.	PROPN
esutjss-256	180	15	(	(	PUNCT
esutjss-256	180	16	2019	2019	NUM
esutjss-256	180	17	)	)	PUNCT
esutjss-256	180	18	.	.	PUNCT
esutjss-256	181	1	understanding	understand	VERB
esutjss-256	181	2	the	the	DET
esutjss-256	181	3	intention	intention	NOUN
esutjss-256	181	4	to	to	PART
esutjss-256	181	5	use	use	VERB
esutjss-256	181	6	mobile	mobile	ADJ
esutjss-256	181	7	shopping	shopping	NOUN
esutjss-256	181	8	applications	application	NOUN
esutjss-256	181	9	and	and	CCONJ
esutjss-256	181	10	its	its	PRON
esutjss-256	181	11	influence	influence	NOUN
esutjss-256	181	12	on	on	ADP
esutjss-256	181	13	price	price	NOUN
esutjss-256	181	14	sensitivity	sensitivity	NOUN
esutjss-256	181	15	.	.	PUNCT
esutjss-256	182	1	journal	journal	NOUN
esutjss-256	182	2	of	of	ADP
esutjss-256	182	3	retailing	retailing	NOUN
esutjss-256	182	4	and	and	CCONJ
esutjss-256	182	5	consumer	consumer	NOUN
esutjss-256	182	6	services	service	NOUN
esutjss-256	182	7	,	,	PUNCT
esutjss-256	182	8	53	53	NUM
esutjss-256	182	9	,	,	PUNCT
esutjss-256	182	10	101974	101974	NUM
esutjss-256	182	11	.	.	PUNCT
esutjss-256	183	1	ndubisi	ndubisi	PROPN
esutjss-256	183	2	,	,	PUNCT
esutjss-256	183	3	n.	n.	PROPN
esutjss-256	183	4	o.	o.	PROPN
esutjss-256	183	5	(	(	PUNCT
esutjss-256	183	6	2007	2007	NUM
esutjss-256	183	7	)	)	PUNCT
esutjss-256	183	8	.	.	PUNCT
esutjss-256	184	1	customers	customer	NOUN
esutjss-256	184	2	’	’	PART
esutjss-256	184	3	perceptions	perception	NOUN
esutjss-256	184	4	and	and	CCONJ
esutjss-256	184	5	intention	intention	NOUN
esutjss-256	184	6	to	to	PART
esutjss-256	184	7	adopt	adopt	VERB
esutjss-256	184	8	internet	internet	NOUN
esutjss-256	184	9	banking	banking	NOUN
esutjss-256	184	10	:	:	PUNCT
esutjss-256	184	11	the	the	DET
esutjss-256	184	12	moderation	moderation	NOUN
esutjss-256	184	13	effect	effect	NOUN
esutjss-256	184	14	of	of	ADP
esutjss-256	184	15	computer	computer	NOUN
esutjss-256	184	16	self	self	NOUN
esutjss-256	184	17	-	-	PUNCT
esutjss-256	184	18	efficacy	efficacy	NOUN
esutjss-256	184	19	.	.	PUNCT
esutjss-256	185	1	ai	ai	PROPN
esutjss-256	185	2	&	&	CCONJ
esutjss-256	185	3	society	society	NOUN
esutjss-256	185	4	,	,	PUNCT
esutjss-256	185	5	21(3	21(3	NUM
esutjss-256	185	6	)	)	PUNCT
esutjss-256	185	7	,	,	PUNCT
esutjss-256	185	8	315	315	NUM
esutjss-256	185	9	-	-	SYM
esutjss-256	185	10	327	327	NUM
esutjss-256	185	11	nguyen	nguyen	NOUN
esutjss-256	185	12	,	,	PUNCT
esutjss-256	185	13	t.	t.	PROPN
esutjss-256	185	14	t.	t.	PROPN
esutjss-256	185	15	h.	h.	PROPN
esutjss-256	185	16	,	,	PUNCT
esutjss-256	185	17	le	le	X
esutjss-256	185	18	,	,	PUNCT
esutjss-256	185	19	v.	v.	PROPN
esutjss-256	185	20	t.	t.	PROPN
esutjss-256	185	21	,	,	PUNCT
esutjss-256	185	22	&	&	CCONJ
esutjss-256	185	23	nguyen	nguyen	PROPN
esutjss-256	185	24	,	,	PUNCT
esutjss-256	185	25	t.	t.	PROPN
esutjss-256	185	26	v.	v.	PROPN
esutjss-256	185	27	(	(	PUNCT
esutjss-256	185	28	2021	2021	NUM
esutjss-256	185	29	)	)	PUNCT
esutjss-256	185	30	.	.	PUNCT
esutjss-256	186	1	factors	factor	NOUN
esutjss-256	186	2	influencing	influence	VERB
esutjss-256	186	3	users	user	NOUN
esutjss-256	186	4	’	'	PUNCT
esutjss-256	186	5	continuance	continuance	NOUN
esutjss-256	186	6	intention	intention	NOUN
esutjss-256	186	7	towards	towards	ADP
esutjss-256	186	8	mobile	mobile	ADJ
esutjss-256	186	9	banking	banking	NOUN
esutjss-256	186	10	:	:	PUNCT
esutjss-256	186	11	an	an	DET
esutjss-256	186	12	integrated	integrated	ADJ
esutjss-256	186	13	approach	approach	NOUN
esutjss-256	186	14	of	of	ADP
esutjss-256	186	15	utaut2	utaut2	NOUN
esutjss-256	186	16	and	and	CCONJ
esutjss-256	186	17	perceived	perceive	VERB
esutjss-256	186	18	risk	risk	NOUN
esutjss-256	186	19	.	.	PUNCT
esutjss-256	187	1	cogent	cogent	NOUN
esutjss-256	187	2	business	business	PROPN
esutjss-256	187	3	&	&	CCONJ
esutjss-256	187	4	management	management	PROPN
esutjss-256	187	5	,	,	PUNCT
esutjss-256	187	6	8(1	8(1	NOUN
esutjss-256	187	7	)	)	PUNCT
esutjss-256	187	8	,	,	PUNCT
esutjss-256	187	9	1880408	1880408	NUM
esutjss-256	187	10	.	.	PUNCT
esutjss-256	188	1	parasuraman	parasuraman	NOUN
esutjss-256	188	2	,	,	PUNCT
esutjss-256	188	3	a.	a.	PROPN
esutjss-256	188	4	,	,	PUNCT
esutjss-256	188	5	&	&	CCONJ
esutjss-256	188	6	colby	colby	PROPN
esutjss-256	188	7	,	,	PUNCT
esutjss-256	188	8	c.	c.	PROPN
esutjss-256	188	9	l.	l.	PROPN
esutjss-256	188	10	(	(	PUNCT
esutjss-256	188	11	2015	2015	NUM
esutjss-256	188	12	)	)	PUNCT
esutjss-256	188	13	.	.	PUNCT
esutjss-256	189	1	an	an	DET
esutjss-256	189	2	updated	update	VERB
esutjss-256	189	3	and	and	CCONJ
esutjss-256	189	4	streamlined	streamlined	ADJ
esutjss-256	189	5	technology	technology	NOUN
esutjss-256	189	6	readiness	readiness	NOUN
esutjss-256	189	7	index	index	NOUN
esutjss-256	189	8	:	:	PUNCT
esutjss-256	189	9	tri	tri	VERB
esutjss-256	189	10	2.0	2.0	NUM
esutjss-256	189	11	.	.	PUNCT
esutjss-256	190	1	journal	journal	PROPN
esutjss-256	190	2	of	of	ADP
esutjss-256	190	3	service	service	NOUN
esutjss-256	190	4	research	research	NOUN
esutjss-256	190	5	,	,	PUNCT
esutjss-256	190	6	18(1	18(1	NUM
esutjss-256	190	7	)	)	PUNCT
esutjss-256	190	8	,	,	PUNCT
esutjss-256	190	9	59	59	NUM
esutjss-256	190	10	-	-	SYM
esutjss-256	190	11	74	74	NUM
esutjss-256	190	12	.	.	PUNCT
esutjss-256	191	1	64	64	NUM
esutjss-256	191	2	pikkarainen	pikkarainen	NOUN
esutjss-256	191	3	,	,	PUNCT
esutjss-256	191	4	t.	t.	PROPN
esutjss-256	191	5	,	,	PUNCT
esutjss-256	191	6	pikkarainen	pikkarainen	NOUN
esutjss-256	191	7	,	,	PUNCT
esutjss-256	191	8	k.	k.	PROPN
esutjss-256	191	9	,	,	PUNCT
esutjss-256	191	10	karjaluoto	karjaluoto	PROPN
esutjss-256	191	11	,	,	PUNCT
esutjss-256	191	12	h.	h.	PROPN
esutjss-256	191	13	,	,	PUNCT
esutjss-256	191	14	&	&	CCONJ
esutjss-256	191	15	pahnila	pahnila	PROPN
esutjss-256	191	16	,	,	PUNCT
esutjss-256	191	17	s.	s.	PROPN
esutjss-256	191	18	(	(	PUNCT
esutjss-256	191	19	2004	2004	NUM
esutjss-256	191	20	)	)	PUNCT
esutjss-256	191	21	.	.	PUNCT
esutjss-256	192	1	consumer	consumer	NOUN
esutjss-256	192	2	acceptance	acceptance	NOUN
esutjss-256	192	3	of	of	ADP
esutjss-256	192	4	online	online	ADJ
esutjss-256	192	5	banking	banking	NOUN
esutjss-256	192	6	:	:	PUNCT
esutjss-256	192	7	an	an	DET
esutjss-256	192	8	extension	extension	NOUN
esutjss-256	192	9	of	of	ADP
esutjss-256	192	10	the	the	DET
esutjss-256	192	11	technology	technology	NOUN
esutjss-256	192	12	acceptance	acceptance	NOUN
esutjss-256	192	13	model	model	NOUN
esutjss-256	192	14	.	.	PUNCT
esutjss-256	193	1	internet	internet	NOUN
esutjss-256	193	2	research	research	NOUN
esutjss-256	193	3	,	,	PUNCT
esutjss-256	193	4	14	14	NUM
esutjss-256	193	5	(	(	PUNCT
esutjss-256	193	6	3	3	NUM
esutjss-256	193	7	)	)	PUNCT
esutjss-256	193	8	,	,	PUNCT
esutjss-256	193	9	224	224	NUM
esutjss-256	193	10	-	-	SYM
esutjss-256	193	11	235	235	NUM
esutjss-256	193	12	.	.	PUNCT
esutjss-256	194	1	rahi	rahi	PROPN
esutjss-256	194	2	,	,	PUNCT
esutjss-256	194	3	s.	s.	PROPN
esutjss-256	194	4	,	,	PUNCT
esutjss-256	194	5	ghani	ghani	PROPN
esutjss-256	194	6	,	,	PUNCT
esutjss-256	194	7	m.	m.	NOUN
esutjss-256	194	8	,	,	PUNCT
esutjss-256	194	9	alnaser	alnaser	PROPN
esutjss-256	194	10	,	,	PUNCT
esutjss-256	194	11	f.	f.	PROPN
esutjss-256	194	12	,	,	PUNCT
esutjss-256	194	13	&	&	CCONJ
esutjss-256	194	14	ngah	ngah	PROPN
esutjss-256	194	15	,	,	PUNCT
esutjss-256	194	16	a.	a.	NOUN
esutjss-256	194	17	(	(	PUNCT
esutjss-256	194	18	2018	2018	NUM
esutjss-256	194	19	)	)	PUNCT
esutjss-256	194	20	.	.	PUNCT
esutjss-256	195	1	investigating	investigate	VERB
esutjss-256	195	2	the	the	DET
esutjss-256	195	3	role	role	NOUN
esutjss-256	195	4	of	of	ADP
esutjss-256	195	5	unified	unified	ADJ
esutjss-256	195	6	theory	theory	NOUN
esutjss-256	195	7	of	of	ADP
esutjss-256	195	8	acceptance	acceptance	NOUN
esutjss-256	195	9	and	and	CCONJ
esutjss-256	195	10	use	use	NOUN
esutjss-256	195	11	of	of	ADP
esutjss-256	195	12	technology	technology	NOUN
esutjss-256	195	13	(	(	PUNCT
esutjss-256	195	14	utaut	utaut	NOUN
esutjss-256	195	15	)	)	PUNCT
esutjss-256	195	16	in	in	ADP
esutjss-256	195	17	internet	internet	NOUN
esutjss-256	195	18	banking	banking	NOUN
esutjss-256	195	19	adoption	adoption	NOUN
esutjss-256	195	20	context	context	AUX
esutjss-256	195	21	.	.	PUNCT
esutjss-256	196	1	management	management	NOUN
esutjss-256	196	2	science	science	NOUN
esutjss-256	196	3	letters	letter	NOUN
esutjss-256	196	4	,	,	PUNCT
esutjss-256	196	5	8(3	8(3	NUM
esutjss-256	196	6	)	)	PUNCT
esutjss-256	196	7	,	,	PUNCT
esutjss-256	196	8	173	173	NUM
esutjss-256	196	9	-	-	SYM
esutjss-256	196	10	186	186	NUM
esutjss-256	196	11	.	.	PUNCT
esutjss-256	197	1	tseng	tseng	PROPN
esutjss-256	197	2	,	,	PUNCT
esutjss-256	197	3	m.	m.	PROPN
esutjss-256	197	4	l.	l.	PROPN
esutjss-256	197	5	,	,	PUNCT
esutjss-256	197	6	islam	islam	PROPN
esutjss-256	197	7	,	,	PUNCT
esutjss-256	197	8	m.	m.	PROPN
esutjss-256	197	9	s.	s.	PROPN
esutjss-256	197	10	,	,	PUNCT
esutjss-256	197	11	karia	karia	PROPN
esutjss-256	197	12	,	,	PUNCT
esutjss-256	197	13	n.	n.	PROPN
esutjss-256	197	14	,	,	PUNCT
esutjss-256	197	15	fauzi	fauzi	PROPN
esutjss-256	197	16	,	,	PUNCT
esutjss-256	197	17	f.	f.	PROPN
esutjss-256	197	18	a.	a.	PROPN
esutjss-256	197	19	,	,	PUNCT
esutjss-256	197	20	&	&	CCONJ
esutjss-256	197	21	afrin	afrin	PROPN
esutjss-256	197	22	,	,	PUNCT
esutjss-256	197	23	s.	s.	PROPN
esutjss-256	197	24	(	(	PUNCT
esutjss-256	197	25	2021	2021	NUM
esutjss-256	197	26	)	)	PUNCT
esutjss-256	197	27	.	.	PUNCT
esutjss-256	198	1	enhancing	enhance	VERB
esutjss-256	198	2	green	green	ADJ
esutjss-256	198	3	supply	supply	NOUN
esutjss-256	198	4	chain	chain	NOUN
esutjss-256	198	5	management	management	NOUN
esutjss-256	198	6	with	with	ADP
esutjss-256	198	7	technology	technology	NOUN
esutjss-256	198	8	readiness	readiness	NOUN
esutjss-256	198	9	:	:	PUNCT
esutjss-256	198	10	an	an	DET
esutjss-256	198	11	empirical	empirical	ADJ
esutjss-256	198	12	study	study	NOUN
esutjss-256	198	13	.	.	PUNCT
esutjss-256	199	1	resources	resource	NOUN
esutjss-256	199	2	,	,	PUNCT
esutjss-256	199	3	conservation	conservation	NOUN
esutjss-256	199	4	&	&	CCONJ
esutjss-256	199	5	recycling	recycling	PROPN
esutjss-256	199	6	,	,	PUNCT
esutjss-256	199	7	165	165	NUM
esutjss-256	199	8	,	,	PUNCT
esutjss-256	199	9	105238	105238	NUM
esutjss-256	199	10	.	.	PUNCT
esutjss-256	200	1	yuen	yuen	PROPN
esutjss-256	200	2	,	,	PUNCT
esutjss-256	200	3	m.	m.	PROPN
esutjss-256	200	4	f.	f.	PROPN
esutjss-256	200	5	,	,	PUNCT
esutjss-256	200	6	yeow	yeow	PROPN
esutjss-256	200	7	,	,	PUNCT
esutjss-256	200	8	a.	a.	PROPN
esutjss-256	200	9	y.	y.	PROPN
esutjss-256	200	10	k.	k.	PROPN
esutjss-256	200	11	,	,	PUNCT
esutjss-256	200	12	lim	lim	PROPN
esutjss-256	200	13	,	,	PUNCT
esutjss-256	200	14	e.	e.	PROPN
esutjss-256	200	15	t.	t.	PROPN
esutjss-256	200	16	k.	k.	PROPN
esutjss-256	200	17	,	,	PUNCT
esutjss-256	200	18	&	&	CCONJ
esutjss-256	200	19	say	say	VERB
esutjss-256	200	20	,	,	PUNCT
esutjss-256	200	21	s.	s.	PROPN
esutjss-256	200	22	w.	w.	PROPN
esutjss-256	200	23	(	(	PUNCT
esutjss-256	200	24	2021	2021	NUM
esutjss-256	200	25	)	)	PUNCT
esutjss-256	200	26	.	.	PUNCT
esutjss-256	201	1	understanding	understand	VERB
esutjss-256	201	2	drivers	driver	NOUN
esutjss-256	201	3	of	of	ADP
esutjss-256	201	4	personal	personal	ADJ
esutjss-256	201	5	innovation	innovation	NOUN
esutjss-256	201	6	in	in	ADP
esutjss-256	201	7	the	the	DET
esutjss-256	201	8	adoption	adoption	NOUN
esutjss-256	201	9	of	of	ADP
esutjss-256	201	10	technological	technological	ADJ
esutjss-256	201	11	innovation	innovation	NOUN
esutjss-256	201	12	:	:	PUNCT
esutjss-256	201	13	the	the	DET
esutjss-256	201	14	role	role	NOUN
esutjss-256	201	15	of	of	ADP
esutjss-256	201	16	financial	financial	ADJ
esutjss-256	201	17	self	self	NOUN
esutjss-256	201	18	-	-	PUNCT
esutjss-256	201	19	efficacy	efficacy	NOUN
esutjss-256	201	20	,	,	PUNCT
esutjss-256	201	21	perceived	perceive	VERB
esutjss-256	201	22	risk	risk	NOUN
esutjss-256	201	23	and	and	CCONJ
esutjss-256	201	24	technology	technology	NOUN
esutjss-256	201	25	readiness	readiness	NOUN
esutjss-256	201	26	.	.	PUNCT
esutjss-256	202	1	journal	journal	NOUN
esutjss-256	202	2	of	of	ADP
esutjss-256	202	3	retailing	retailing	NOUN
esutjss-256	202	4	and	and	CCONJ
esutjss-256	202	5	consumer	consumer	NOUN
esutjss-256	202	6	services	service	NOUN
esutjss-256	202	7	,	,	PUNCT
esutjss-256	202	8	60	60	NUM
esutjss-256	202	9	,	,	PUNCT
esutjss-256	202	10	102	102	NUM
esutjss-256	202	11	.	.	PUNCT
esutjss-256	203	1	zhou	zhou	PROPN
esutjss-256	203	2	,	,	PUNCT
esutjss-256	203	3	t.	t.	PROPN
esutjss-256	203	4	,	,	PUNCT
esutjss-256	203	5	lu	lu	PROPN
esutjss-256	203	6	,	,	PUNCT
esutjss-256	203	7	y.	y.	PROPN
esutjss-256	203	8	,	,	PUNCT
esutjss-256	203	9	&	&	CCONJ
esutjss-256	203	10	wang	wang	PROPN
esutjss-256	203	11	,	,	PUNCT
esutjss-256	203	12	b.	b.	PROPN
esutjss-256	203	13	(	(	PUNCT
esutjss-256	203	14	2021	2021	NUM
esutjss-256	203	15	)	)	PUNCT
esutjss-256	203	16	.	.	PUNCT
esutjss-256	204	1	integrating	integrate	VERB
esutjss-256	204	2	ttf	ttf	PROPN
esutjss-256	204	3	and	and	CCONJ
esutjss-256	204	4	utaut	utaut	NOUN
esutjss-256	204	5	to	to	PART
esutjss-256	204	6	explain	explain	VERB
esutjss-256	204	7	mobile	mobile	ADJ
esutjss-256	204	8	banking	banking	NOUN
esutjss-256	204	9	user	user	NOUN
esutjss-256	204	10	adoption	adoption	NOUN
esutjss-256	204	11	:	:	PUNCT
esutjss-256	204	12	evidence	evidence	NOUN
esutjss-256	204	13	from	from	ADP
esutjss-256	204	14	china	china	PROPN
esutjss-256	204	15	.	.	PUNCT
esutjss-256	205	1	telematics	telematic	NOUN
esutjss-256	205	2	and	and	CCONJ
esutjss-256	205	3	informatics	informatic	NOUN
esutjss-256	205	4	,	,	PUNCT
esutjss-256	205	5	64	64	NUM
esutjss-256	205	6	,	,	PUNCT
esutjss-256	205	7	101690	101690	NUM
esutjss-256	205	8	.	.	PUNCT
esutjss-256	206	1	page	page	NOUN
esutjss-256	206	2	7	7	NUM