id	sid	tid	token	lemma	pos
ejif-2309	1	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2309	1	2	issn	issn	VERB
ejif-2309	1	3	2421	2421	NUM
ejif-2309	1	4	-	-	SYM
ejif-2309	1	5	2172	2172	NUM
ejif-2309	1	6	1	1	NUM
ejif-2309	1	7	e	e	NOUN
ejif-2309	1	8	-	-	ADJ
ejif-2309	1	9	banking	banking	ADJ
ejif-2309	1	10	acceptance	acceptance	NOUN
ejif-2309	1	11	in	in	ADP
ejif-2309	1	12	thailand	thailand	PROPN
ejif-2309	1	13	:	:	PUNCT
ejif-2309	1	14	an	an	DET
ejif-2309	1	15	emphasis	emphasis	NOUN
ejif-2309	1	16	on	on	ADP
ejif-2309	1	17	islamic	islamic	ADJ
ejif-2309	1	18	banks	bank	NOUN
ejif-2309	1	19	'	'	PART
ejif-2309	1	20	customers	customer	NOUN
ejif-2309	1	21	abstract	abstract	ADJ
ejif-2309	1	22	—	—	PUNCT
ejif-2309	1	23	the	the	DET
ejif-2309	1	24	objective	objective	NOUN
ejif-2309	1	25	of	of	ADP
ejif-2309	1	26	the	the	DET
ejif-2309	1	27	paper	paper	NOUN
ejif-2309	1	28	is	be	AUX
ejif-2309	1	29	to	to	PART
ejif-2309	1	30	examine	examine	VERB
ejif-2309	1	31	the	the	DET
ejif-2309	1	32	level	level	NOUN
ejif-2309	1	33	of	of	ADP
ejif-2309	1	34	acceptance	acceptance	NOUN
ejif-2309	1	35	of	of	ADP
ejif-2309	1	36	e	e	NOUN
ejif-2309	1	37	-	-	NOUN
ejif-2309	1	38	banking	banking	ADJ
ejif-2309	1	39	services	service	NOUN
ejif-2309	1	40	in	in	ADP
ejif-2309	1	41	thailand	thailand	PROPN
ejif-2309	1	42	,	,	PUNCT
ejif-2309	1	43	with	with	ADP
ejif-2309	1	44	a	a	DET
ejif-2309	1	45	special	special	ADJ
ejif-2309	1	46	focus	focus	NOUN
ejif-2309	1	47	on	on	ADP
ejif-2309	1	48	islamic	islamic	ADJ
ejif-2309	1	49	banks	bank	NOUN
ejif-2309	1	50	'	'	PART
ejif-2309	1	51	customers	customer	NOUN
ejif-2309	1	52	.	.	PUNCT
ejif-2309	2	1	the	the	DET
ejif-2309	2	2	study	study	NOUN
ejif-2309	2	3	also	also	ADV
ejif-2309	2	4	attempts	attempt	VERB
ejif-2309	2	5	to	to	PART
ejif-2309	2	6	identify	identify	VERB
ejif-2309	2	7	the	the	DET
ejif-2309	2	8	main	main	ADJ
ejif-2309	2	9	dimensions	dimension	NOUN
ejif-2309	2	10	that	that	PRON
ejif-2309	2	11	would	would	AUX
ejif-2309	2	12	contribute	contribute	VERB
ejif-2309	2	13	to	to	ADP
ejif-2309	2	14	the	the	DET
ejif-2309	2	15	acceptance	acceptance	NOUN
ejif-2309	2	16	and	and	CCONJ
ejif-2309	2	17	proper	proper	ADJ
ejif-2309	2	18	usage	usage	NOUN
ejif-2309	2	19	of	of	ADP
ejif-2309	2	20	e	e	NOUN
ejif-2309	2	21	-	-	NOUN
ejif-2309	2	22	banking	banking	ADJ
ejif-2309	2	23	services	service	NOUN
ejif-2309	2	24	by	by	ADP
ejif-2309	2	25	islamic	islamic	ADJ
ejif-2309	2	26	banks	bank	NOUN
ejif-2309	2	27	'	'	PART
ejif-2309	2	28	customers	customer	NOUN
ejif-2309	2	29	.	.	PUNCT
ejif-2309	3	1	a	a	DET
ejif-2309	3	2	survey	survey	NOUN
ejif-2309	3	3	questionnaire	questionnaire	NOUN
ejif-2309	3	4	was	be	AUX
ejif-2309	3	5	distributed	distribute	VERB
ejif-2309	3	6	to	to	ADP
ejif-2309	3	7	500	500	NUM
ejif-2309	3	8	islamic	islamic	ADJ
ejif-2309	3	9	banks	bank	NOUN
ejif-2309	3	10	'	'	PART
ejif-2309	3	11	customers	customer	NOUN
ejif-2309	3	12	in	in	ADP
ejif-2309	3	13	thailand	thailand	PROPN
ejif-2309	3	14	.	.	PUNCT
ejif-2309	4	1	the	the	DET
ejif-2309	4	2	survey	survey	NOUN
ejif-2309	4	3	covered	cover	VERB
ejif-2309	4	4	the	the	DET
ejif-2309	4	5	capital	capital	NOUN
ejif-2309	4	6	city	city	NOUN
ejif-2309	4	7	of	of	ADP
ejif-2309	4	8	bangkok	bangkok	PROPN
ejif-2309	4	9	and	and	CCONJ
ejif-2309	4	10	surrounding	surround	VERB
ejif-2309	4	11	areas	area	NOUN
ejif-2309	4	12	,	,	PUNCT
ejif-2309	4	13	but	but	CCONJ
ejif-2309	4	14	focused	focus	VERB
ejif-2309	4	15	mostly	mostly	ADV
ejif-2309	4	16	on	on	ADP
ejif-2309	4	17	the	the	DET
ejif-2309	4	18	southern	southern	ADJ
ejif-2309	4	19	part	part	NOUN
ejif-2309	4	20	of	of	ADP
ejif-2309	4	21	thailand	thailand	PROPN
ejif-2309	4	22	,	,	PUNCT
ejif-2309	4	23	which	which	PRON
ejif-2309	4	24	is	be	AUX
ejif-2309	4	25	majority	majority	NOUN
ejif-2309	4	26	muslim	muslim	ADJ
ejif-2309	4	27	area	area	PROPN
ejif-2309	4	28	.	.	PUNCT
ejif-2309	5	1	the	the	DET
ejif-2309	5	2	collected	collect	VERB
ejif-2309	5	3	data	datum	NOUN
ejif-2309	5	4	was	be	AUX
ejif-2309	5	5	subsequently	subsequently	ADV
ejif-2309	5	6	analysed	analyse	VERB
ejif-2309	5	7	using	use	VERB
ejif-2309	5	8	descriptive	descriptive	ADJ
ejif-2309	5	9	statistics	statistic	NOUN
ejif-2309	5	10	,	,	PUNCT
ejif-2309	5	11	one	one	NUM
ejif-2309	5	12	sample	sample	NOUN
ejif-2309	5	13	t	t	NOUN
ejif-2309	5	14	-	-	PUNCT
ejif-2309	5	15	test	test	NOUN
ejif-2309	5	16	,	,	PUNCT
ejif-2309	5	17	and	and	CCONJ
ejif-2309	5	18	structural	structural	ADJ
ejif-2309	5	19	equation	equation	NOUN
ejif-2309	5	20	modelling	modelling	NOUN
ejif-2309	5	21	(	(	PUNCT
ejif-2309	5	22	sem	sem	NOUN
ejif-2309	5	23	)	)	PUNCT
ejif-2309	5	24	.	.	PUNCT
ejif-2309	6	1	the	the	DET
ejif-2309	6	2	findings	finding	NOUN
ejif-2309	6	3	revealed	reveal	VERB
ejif-2309	6	4	that	that	SCONJ
ejif-2309	6	5	islamic	islamic	ADJ
ejif-2309	6	6	banks	bank	NOUN
ejif-2309	6	7	'	'	PART
ejif-2309	6	8	customers	customer	NOUN
ejif-2309	6	9	in	in	ADP
ejif-2309	6	10	thailand	thailand	PROPN
ejif-2309	6	11	have	have	VERB
ejif-2309	6	12	a	a	DET
ejif-2309	6	13	high	high	ADJ
ejif-2309	6	14	tendency	tendency	NOUN
ejif-2309	6	15	of	of	ADP
ejif-2309	6	16	adopting	adopt	VERB
ejif-2309	6	17	ebanking	ebanking	ADJ
ejif-2309	6	18	services	service	NOUN
ejif-2309	6	19	across	across	ADP
ejif-2309	6	20	-	-	PUNCT
ejif-2309	6	21	groups	group	NOUN
ejif-2309	6	22	.	.	PUNCT
ejif-2309	7	1	furthermore	furthermore	ADV
ejif-2309	7	2	,	,	PUNCT
ejif-2309	7	3	the	the	DET
ejif-2309	7	4	results	result	NOUN
ejif-2309	7	5	showed	show	VERB
ejif-2309	7	6	that	that	SCONJ
ejif-2309	7	7	perceived	perceive	VERB
ejif-2309	7	8	ease	ease	NOUN
ejif-2309	7	9	of	of	ADP
ejif-2309	7	10	use	use	NOUN
ejif-2309	7	11	has	have	VERB
ejif-2309	7	12	a	a	DET
ejif-2309	7	13	significant	significant	ADJ
ejif-2309	7	14	positive	positive	ADJ
ejif-2309	7	15	impact	impact	NOUN
ejif-2309	7	16	on	on	ADP
ejif-2309	7	17	perceived	perceive	VERB
ejif-2309	7	18	usefulness	usefulness	NOUN
ejif-2309	7	19	.	.	PUNCT
ejif-2309	8	1	in	in	ADP
ejif-2309	8	2	addition	addition	NOUN
ejif-2309	8	3	,	,	PUNCT
ejif-2309	8	4	both	both	PRON
ejif-2309	8	5	perceived	perceive	VERB
ejif-2309	8	6	ease	ease	NOUN
ejif-2309	8	7	of	of	ADP
ejif-2309	8	8	use	use	NOUN
ejif-2309	8	9	and	and	CCONJ
ejif-2309	8	10	usefulness	usefulness	NOUN
ejif-2309	8	11	have	have	VERB
ejif-2309	8	12	a	a	DET
ejif-2309	8	13	significant	significant	ADJ
ejif-2309	8	14	positive	positive	ADJ
ejif-2309	8	15	impact	impact	NOUN
ejif-2309	8	16	on	on	ADP
ejif-2309	8	17	customers	customer	NOUN
ejif-2309	8	18	'	'	PART
ejif-2309	8	19	adoption	adoption	NOUN
ejif-2309	8	20	of	of	ADP
ejif-2309	8	21	e	e	NOUN
ejif-2309	8	22	-	-	ADJ
ejif-2309	8	23	banking	banking	ADJ
ejif-2309	8	24	services	service	NOUN
ejif-2309	8	25	.	.	PUNCT
ejif-2309	9	1	these	these	DET
ejif-2309	9	2	findings	finding	NOUN
ejif-2309	9	3	have	have	VERB
ejif-2309	9	4	a	a	DET
ejif-2309	9	5	significant	significant	ADJ
ejif-2309	9	6	contribution	contribution	NOUN
ejif-2309	9	7	to	to	ADP
ejif-2309	9	8	the	the	DET
ejif-2309	9	9	theory	theory	NOUN
ejif-2309	9	10	,	,	PUNCT
ejif-2309	9	11	policymakers	policymaker	NOUN
ejif-2309	9	12	,	,	PUNCT
ejif-2309	9	13	as	as	ADV
ejif-2309	9	14	well	well	ADV
ejif-2309	9	15	as	as	ADP
ejif-2309	9	16	the	the	DET
ejif-2309	9	17	practitioners	practitioner	NOUN
ejif-2309	9	18	and	and	CCONJ
ejif-2309	9	19	regulators	regulator	NOUN
ejif-2309	9	20	in	in	ADP
ejif-2309	9	21	the	the	DET
ejif-2309	9	22	banking	banking	NOUN
ejif-2309	9	23	and	and	CCONJ
ejif-2309	9	24	islamic	islamic	ADJ
ejif-2309	9	25	banking	banking	NOUN
ejif-2309	9	26	areas	area	NOUN
ejif-2309	9	27	.	.	PUNCT
ejif-2309	10	1	keywordsthailand	keywordsthailand	PROPN
ejif-2309	10	2	,	,	PUNCT
ejif-2309	10	3	islamic	islamic	ADJ
ejif-2309	10	4	banking	banking	NOUN
ejif-2309	10	5	,	,	PUNCT
ejif-2309	10	6	e	e	NOUN
ejif-2309	10	7	-	-	NOUN
ejif-2309	10	8	banking	banking	ADJ
ejif-2309	10	9	,	,	PUNCT
ejif-2309	10	10	sem	sem	PROPN
ejif-2309	10	11	.	.	PUNCT
ejif-2309	10	12	i.	i.	PROPN
ejif-2309	10	13	introduction	introduction	NOUN
ejif-2309	10	14	during	during	ADP
ejif-2309	10	15	the	the	DET
ejif-2309	10	16	past	past	ADJ
ejif-2309	10	17	few	few	ADJ
ejif-2309	10	18	decades	decade	NOUN
ejif-2309	10	19	,	,	PUNCT
ejif-2309	10	20	islamic	islamic	ADJ
ejif-2309	10	21	banking	banking	NOUN
ejif-2309	10	22	has	have	AUX
ejif-2309	10	23	emerged	emerge	VERB
ejif-2309	10	24	not	not	PART
ejif-2309	10	25	only	only	ADV
ejif-2309	10	26	as	as	ADP
ejif-2309	10	27	a	a	DET
ejif-2309	10	28	complementary	complementary	ADJ
ejif-2309	10	29	component	component	NOUN
ejif-2309	10	30	in	in	ADP
ejif-2309	10	31	modern	modern	ADJ
ejif-2309	10	32	banking	banking	NOUN
ejif-2309	10	33	systems	system	NOUN
ejif-2309	10	34	,	,	PUNCT
ejif-2309	10	35	but	but	CCONJ
ejif-2309	10	36	has	have	AUX
ejif-2309	10	37	also	also	ADV
ejif-2309	10	38	imposed	impose	VERB
ejif-2309	10	39	itself	itself	PRON
ejif-2309	10	40	as	as	ADP
ejif-2309	10	41	viable	viable	ADJ
ejif-2309	10	42	alternative	alternative	NOUN
ejif-2309	10	43	to	to	ADP
ejif-2309	10	44	the	the	DET
ejif-2309	10	45	long	long	ADJ
ejif-2309	10	46	existing	exist	VERB
ejif-2309	10	47	conventional	conventional	ADJ
ejif-2309	10	48	banking	banking	NOUN
ejif-2309	10	49	.	.	PUNCT
ejif-2309	11	1	nevertheless	nevertheless	ADV
ejif-2309	11	2	,	,	PUNCT
ejif-2309	11	3	the	the	DET
ejif-2309	11	4	conventional	conventional	ADJ
ejif-2309	11	5	banking	banking	NOUN
ejif-2309	11	6	is	be	AUX
ejif-2309	11	7	still	still	ADV
ejif-2309	11	8	relatively	relatively	ADV
ejif-2309	11	9	stronger	strong	ADJ
ejif-2309	11	10	in	in	ADP
ejif-2309	11	11	many	many	ADJ
ejif-2309	11	12	aspects	aspect	NOUN
ejif-2309	11	13	as	as	SCONJ
ejif-2309	11	14	it	it	PRON
ejif-2309	11	15	has	have	AUX
ejif-2309	11	16	been	be	AUX
ejif-2309	11	17	practised	practise	VERB
ejif-2309	11	18	for	for	ADP
ejif-2309	11	19	a	a	DET
ejif-2309	11	20	long	long	ADJ
ejif-2309	11	21	time	time	NOUN
ejif-2309	11	22	compared	compare	VERB
ejif-2309	11	23	to	to	ADP
ejif-2309	11	24	the	the	DET
ejif-2309	11	25	newly	newly	ADV
ejif-2309	11	26	established	establish	VERB
ejif-2309	11	27	islamic	islamic	ADJ
ejif-2309	11	28	banking	banking	NOUN
ejif-2309	11	29	system	system	NOUN
ejif-2309	11	30	.	.	PUNCT
ejif-2309	12	1	one	one	NUM
ejif-2309	12	2	of	of	ADP
ejif-2309	12	3	these	these	DET
ejif-2309	12	4	aspects	aspect	NOUN
ejif-2309	12	5	is	be	AUX
ejif-2309	12	6	the	the	DET
ejif-2309	12	7	advanced	advanced	ADJ
ejif-2309	12	8	e	e	NOUN
ejif-2309	12	9	-	-	ADJ
ejif-2309	12	10	banking	banking	ADJ
ejif-2309	12	11	system	system	NOUN
ejif-2309	12	12	that	that	PRON
ejif-2309	12	13	was	be	AUX
ejif-2309	12	14	developed	develop	VERB
ejif-2309	12	15	and	and	CCONJ
ejif-2309	12	16	put	put	VERB
ejif-2309	12	17	in	in	ADP
ejif-2309	12	18	place	place	NOUN
ejif-2309	12	19	long	long	ADV
ejif-2309	12	20	before	before	ADP
ejif-2309	12	21	the	the	DET
ejif-2309	12	22	development	development	NOUN
ejif-2309	12	23	of	of	ADP
ejif-2309	12	24	modern	modern	ADJ
ejif-2309	12	25	islamic	islamic	ADJ
ejif-2309	12	26	banking	banking	NOUN
ejif-2309	12	27	.	.	PUNCT
ejif-2309	13	1	it	it	PRON
ejif-2309	13	2	goes	go	VERB
ejif-2309	13	3	without	without	ADP
ejif-2309	13	4	saying	say	VERB
ejif-2309	13	5	that	that	SCONJ
ejif-2309	13	6	having	have	VERB
ejif-2309	13	7	a	a	DET
ejif-2309	13	8	developed	developed	ADJ
ejif-2309	13	9	and	and	CCONJ
ejif-2309	13	10	secure	secure	ADJ
ejif-2309	13	11	e	e	NOUN
ejif-2309	13	12	-	-	ADJ
ejif-2309	13	13	banking	banking	ADJ
ejif-2309	13	14	system	system	NOUN
ejif-2309	13	15	contributes	contribute	VERB
ejif-2309	13	16	in	in	ADP
ejif-2309	13	17	enhancing	enhance	VERB
ejif-2309	13	18	the	the	DET
ejif-2309	13	19	performance	performance	NOUN
ejif-2309	13	20	and	and	CCONJ
ejif-2309	13	21	efficiency	efficiency	NOUN
ejif-2309	13	22	of	of	ADP
ejif-2309	13	23	banks	bank	NOUN
ejif-2309	13	24	.	.	PUNCT
ejif-2309	14	1	it	it	PRON
ejif-2309	14	2	is	be	AUX
ejif-2309	14	3	noteworthy	noteworthy	ADJ
ejif-2309	14	4	that	that	SCONJ
ejif-2309	14	5	islamic	islamic	ADJ
ejif-2309	14	6	banking	banking	NOUN
ejif-2309	14	7	has	have	AUX
ejif-2309	14	8	been	be	AUX
ejif-2309	14	9	introduced	introduce	VERB
ejif-2309	14	10	in	in	ADP
ejif-2309	14	11	thailand	thailand	PROPN
ejif-2309	14	12	since	since	SCONJ
ejif-2309	14	13	early	early	ADJ
ejif-2309	14	14	2003	2003	NUM
ejif-2309	14	15	,	,	PUNCT
ejif-2309	14	16	through	through	ADP
ejif-2309	14	17	the	the	DET
ejif-2309	14	18	islamic	islamic	PROPN
ejif-2309	14	19	bank	bank	PROPN
ejif-2309	14	20	of	of	ADP
ejif-2309	14	21	thailand	thailand	PROPN
ejif-2309	14	22	(	(	PUNCT
ejif-2309	14	23	ibank	ibank	PROPN
ejif-2309	14	24	)	)	PUNCT
ejif-2309	14	25	.	.	PUNCT
ejif-2309	15	1	the	the	DET
ejif-2309	15	2	bank	bank	NOUN
ejif-2309	15	3	was	be	AUX
ejif-2309	15	4	set	set	VERB
ejif-2309	15	5	up	up	ADP
ejif-2309	15	6	by	by	ADP
ejif-2309	15	7	the	the	DET
ejif-2309	15	8	islamic	islamic	PROPN
ejif-2309	15	9	bank	bank	PROPN
ejif-2309	15	10	of	of	ADP
ejif-2309	15	11	thailand	thailand	PROPN
ejif-2309	15	12	act	act	PROPN
ejif-2309	15	13	b.e	b.e	PROPN
ejif-2309	15	14	.	.	PROPN
ejif-2309	15	15	2545	2545	NUM
ejif-2309	15	16	(	(	PUNCT
ejif-2309	15	17	2002	2002	NUM
ejif-2309	15	18	)	)	PUNCT
ejif-2309	15	19	,	,	PUNCT
ejif-2309	15	20	as	as	ADP
ejif-2309	15	21	a	a	DET
ejif-2309	15	22	state	state	NOUN
ejif-2309	15	23	enterprise	enterprise	NOUN
ejif-2309	15	24	under	under	ADP
ejif-2309	15	25	the	the	DET
ejif-2309	15	26	ministry	ministry	PROPN
ejif-2309	15	27	of	of	ADP
ejif-2309	15	28	finance	finance	PROPN
ejif-2309	15	29	,	,	PUNCT
ejif-2309	15	30	administered	administer	VERB
ejif-2309	15	31	by	by	ADP
ejif-2309	15	32	a	a	DET
ejif-2309	15	33	board	board	NOUN
ejif-2309	15	34	of	of	ADP
ejif-2309	15	35	governors	governor	NOUN
ejif-2309	15	36	,	,	PUNCT
ejif-2309	15	37	with	with	ADP
ejif-2309	15	38	an	an	DET
ejif-2309	15	39	advisory	advisory	ADJ
ejif-2309	15	40	council	council	NOUN
ejif-2309	15	41	on	on	ADP
ejif-2309	15	42	islamic	islamic	ADJ
ejif-2309	15	43	banking	banking	NOUN
ejif-2309	15	44	and	and	CCONJ
ejif-2309	15	45	hence	hence	ADV
ejif-2309	15	46	considered	consider	VERB
ejif-2309	15	47	to	to	PART
ejif-2309	15	48	be	be	AUX
ejif-2309	15	49	fully	fully	ADV
ejif-2309	15	50	operating	operate	VERB
ejif-2309	15	51	in	in	ADP
ejif-2309	15	52	accordance	accordance	NOUN
ejif-2309	15	53	with	with	ADP
ejif-2309	15	54	the	the	DET
ejif-2309	15	55	rules	rule	NOUN
ejif-2309	15	56	of	of	ADP
ejif-2309	15	57	sharia1	sharia1	PROPN
ejif-2309	15	58	.	.	PUNCT
ejif-2309	16	1	ibank	ibank	PROPN
ejif-2309	16	2	has	have	VERB
ejif-2309	16	3	currently	currently	ADV
ejif-2309	16	4	more	more	ADJ
ejif-2309	16	5	than	than	ADP
ejif-2309	16	6	30	30	NUM
ejif-2309	16	7	branches	branch	NOUN
ejif-2309	16	8	all	all	DET
ejif-2309	16	9	1	1	NUM
ejif-2309	16	10	http://www.bankthailand.info/islamic-bank-of-thailand.htm	http://www.bankthailand.info/islamic-bank-of-thailand.htm	NOUN
ejif-2309	16	11	around	around	ADP
ejif-2309	16	12	the	the	DET
ejif-2309	16	13	country	country	NOUN
ejif-2309	16	14	,	,	PUNCT
ejif-2309	16	15	though	though	SCONJ
ejif-2309	16	16	the	the	DET
ejif-2309	16	17	muslim	muslim	ADJ
ejif-2309	16	18	population	population	NOUN
ejif-2309	16	19	is	be	AUX
ejif-2309	16	20	mainly	mainly	ADV
ejif-2309	16	21	centered	center	VERB
ejif-2309	16	22	in	in	ADP
ejif-2309	16	23	the	the	DET
ejif-2309	16	24	southern	southern	ADJ
ejif-2309	16	25	region	region	NOUN
ejif-2309	16	26	of	of	ADP
ejif-2309	16	27	the	the	DET
ejif-2309	16	28	country	country	NOUN
ejif-2309	16	29	.	.	PUNCT
ejif-2309	17	1	the	the	DET
ejif-2309	17	2	thai	thai	PROPN
ejif-2309	17	3	context	context	NOUN
ejif-2309	17	4	was	be	AUX
ejif-2309	17	5	chosen	choose	VERB
ejif-2309	17	6	not	not	PART
ejif-2309	17	7	only	only	ADV
ejif-2309	17	8	because	because	SCONJ
ejif-2309	17	9	it	it	PRON
ejif-2309	17	10	has	have	AUX
ejif-2309	17	11	received	receive	VERB
ejif-2309	17	12	less	less	ADJ
ejif-2309	17	13	research	research	NOUN
ejif-2309	17	14	focus	focus	NOUN
ejif-2309	17	15	in	in	ADP
ejif-2309	17	16	the	the	DET
ejif-2309	17	17	islamic	islamic	ADJ
ejif-2309	17	18	banking	banking	NOUN
ejif-2309	17	19	area	area	NOUN
ejif-2309	17	20	,	,	PUNCT
ejif-2309	17	21	but	but	CCONJ
ejif-2309	17	22	also	also	ADV
ejif-2309	17	23	because	because	SCONJ
ejif-2309	17	24	islamic	islamic	ADJ
ejif-2309	17	25	banking	banking	NOUN
ejif-2309	17	26	per	per	X
ejif-2309	17	27	se	se	X
ejif-2309	17	28	has	have	AUX
ejif-2309	17	29	been	be	AUX
ejif-2309	17	30	introduced	introduce	VERB
ejif-2309	17	31	to	to	ADP
ejif-2309	17	32	thailand	thailand	PROPN
ejif-2309	17	33	for	for	ADP
ejif-2309	17	34	many	many	ADJ
ejif-2309	17	35	years	year	NOUN
ejif-2309	17	36	,	,	PUNCT
ejif-2309	17	37	but	but	CCONJ
ejif-2309	17	38	has	have	AUX
ejif-2309	17	39	not	not	PART
ejif-2309	17	40	been	be	AUX
ejif-2309	17	41	performing	perform	VERB
ejif-2309	17	42	as	as	SCONJ
ejif-2309	17	43	expected	expect	VERB
ejif-2309	17	44	.	.	PUNCT
ejif-2309	18	1	it	it	PRON
ejif-2309	18	2	is	be	AUX
ejif-2309	18	3	noteworthy	noteworthy	ADJ
ejif-2309	18	4	that	that	SCONJ
ejif-2309	18	5	in	in	ADP
ejif-2309	18	6	a	a	DET
ejif-2309	18	7	similar	similar	ADJ
ejif-2309	18	8	context	context	NOUN
ejif-2309	18	9	,	,	PUNCT
ejif-2309	18	10	that	that	PRON
ejif-2309	18	11	of	of	ADP
ejif-2309	18	12	malaysia	malaysia	PROPN
ejif-2309	18	13	for	for	ADP
ejif-2309	18	14	instance	instance	NOUN
ejif-2309	18	15	,	,	PUNCT
ejif-2309	18	16	it	it	PRON
ejif-2309	18	17	was	be	AUX
ejif-2309	18	18	observed	observe	VERB
ejif-2309	18	19	that	that	SCONJ
ejif-2309	18	20	one	one	NUM
ejif-2309	18	21	of	of	ADP
ejif-2309	18	22	the	the	DET
ejif-2309	18	23	reasons	reason	NOUN
ejif-2309	18	24	why	why	SCONJ
ejif-2309	18	25	some	some	DET
ejif-2309	18	26	islamic	islamic	ADJ
ejif-2309	18	27	banks	bank	NOUN
ejif-2309	18	28	were	be	AUX
ejif-2309	18	29	avoided	avoid	VERB
ejif-2309	18	30	by	by	ADP
ejif-2309	18	31	customers	customer	NOUN
ejif-2309	18	32	is	be	AUX
ejif-2309	18	33	their	their	PRON
ejif-2309	18	34	lack	lack	NOUN
ejif-2309	18	35	of	of	ADP
ejif-2309	18	36	a	a	DET
ejif-2309	18	37	handy	handy	ADJ
ejif-2309	18	38	and	and	CCONJ
ejif-2309	18	39	useful	useful	ADJ
ejif-2309	18	40	e	e	NOUN
ejif-2309	18	41	-	-	ADJ
ejif-2309	18	42	banking	banking	ADJ
ejif-2309	18	43	system	system	NOUN
ejif-2309	18	44	(	(	PUNCT
ejif-2309	18	45	echchabi	echchabi	NOUN
ejif-2309	18	46	and	and	CCONJ
ejif-2309	18	47	olaniyi	olaniyi	NOUN
ejif-2309	18	48	,	,	PUNCT
ejif-2309	18	49	2012	2012	NUM
ejif-2309	18	50	)	)	PUNCT
ejif-2309	18	51	.	.	PUNCT
ejif-2309	19	1	hence	hence	ADV
ejif-2309	19	2	,	,	PUNCT
ejif-2309	19	3	the	the	DET
ejif-2309	19	4	objective	objective	NOUN
ejif-2309	19	5	of	of	ADP
ejif-2309	19	6	the	the	DET
ejif-2309	19	7	paper	paper	NOUN
ejif-2309	19	8	is	be	AUX
ejif-2309	19	9	to	to	PART
ejif-2309	19	10	investigate	investigate	VERB
ejif-2309	19	11	the	the	DET
ejif-2309	19	12	level	level	NOUN
ejif-2309	19	13	of	of	ADP
ejif-2309	19	14	acceptance	acceptance	NOUN
ejif-2309	19	15	and	and	CCONJ
ejif-2309	19	16	use	use	NOUN
ejif-2309	19	17	of	of	ADP
ejif-2309	19	18	e	e	NOUN
ejif-2309	19	19	-	-	NOUN
ejif-2309	19	20	banking	banking	ADJ
ejif-2309	19	21	services	service	NOUN
ejif-2309	19	22	in	in	ADP
ejif-2309	19	23	thailand	thailand	PROPN
ejif-2309	19	24	,	,	PUNCT
ejif-2309	19	25	with	with	ADP
ejif-2309	19	26	a	a	DET
ejif-2309	19	27	special	special	ADJ
ejif-2309	19	28	focus	focus	NOUN
ejif-2309	19	29	on	on	ADP
ejif-2309	19	30	islamic	islamic	ADJ
ejif-2309	19	31	banks	bank	NOUN
ejif-2309	19	32	'	'	PART
ejif-2309	19	33	customers	customer	NOUN
ejif-2309	19	34	.	.	PUNCT
ejif-2309	20	1	the	the	DET
ejif-2309	20	2	remaining	remain	VERB
ejif-2309	20	3	part	part	NOUN
ejif-2309	20	4	of	of	ADP
ejif-2309	20	5	the	the	DET
ejif-2309	20	6	paper	paper	NOUN
ejif-2309	20	7	is	be	AUX
ejif-2309	20	8	organised	organise	VERB
ejif-2309	20	9	as	as	SCONJ
ejif-2309	20	10	follows	follow	VERB
ejif-2309	20	11	:	:	PUNCT
ejif-2309	20	12	section	section	NOUN
ejif-2309	20	13	two	two	NUM
ejif-2309	20	14	discusses	discuss	VERB
ejif-2309	20	15	the	the	DET
ejif-2309	20	16	main	main	ADJ
ejif-2309	20	17	studies	study	NOUN
ejif-2309	20	18	in	in	ADP
ejif-2309	20	19	the	the	DET
ejif-2309	20	20	area	area	NOUN
ejif-2309	20	21	of	of	ADP
ejif-2309	20	22	e	e	NOUN
ejif-2309	20	23	-	-	NOUN
ejif-2309	20	24	banking	banking	ADJ
ejif-2309	20	25	acceptance	acceptance	NOUN
ejif-2309	20	26	as	as	ADV
ejif-2309	20	27	well	well	ADV
ejif-2309	20	28	as	as	ADP
ejif-2309	20	29	the	the	DET
ejif-2309	20	30	research	research	NOUN
ejif-2309	20	31	model	model	NOUN
ejif-2309	20	32	.	.	PUNCT
ejif-2309	21	1	section	section	NOUN
ejif-2309	21	2	three	three	NUM
ejif-2309	21	3	briefly	briefly	NOUN
ejif-2309	21	4	discusses	discuss	VERB
ejif-2309	21	5	the	the	DET
ejif-2309	21	6	methodology	methodology	NOUN
ejif-2309	21	7	and	and	CCONJ
ejif-2309	21	8	method	method	NOUN
ejif-2309	21	9	applied	apply	VERB
ejif-2309	21	10	in	in	ADP
ejif-2309	21	11	data	datum	NOUN
ejif-2309	21	12	analysis	analysis	NOUN
ejif-2309	21	13	as	as	ADV
ejif-2309	21	14	well	well	ADV
ejif-2309	21	15	as	as	ADP
ejif-2309	21	16	the	the	DET
ejif-2309	21	17	respondents	respondent	NOUN
ejif-2309	21	18	’	'	PUNCT
ejif-2309	21	19	profile	profile	NOUN
ejif-2309	21	20	.	.	PUNCT
ejif-2309	22	1	section	section	NOUN
ejif-2309	22	2	four	four	NUM
ejif-2309	22	3	presents	present	VERB
ejif-2309	22	4	the	the	DET
ejif-2309	22	5	survey	survey	NOUN
ejif-2309	22	6	results	result	VERB
ejif-2309	22	7	,	,	PUNCT
ejif-2309	22	8	and	and	CCONJ
ejif-2309	22	9	section	section	NOUN
ejif-2309	22	10	five	five	NUM
ejif-2309	22	11	concludes	conclude	VERB
ejif-2309	22	12	the	the	DET
ejif-2309	22	13	paper	paper	NOUN
ejif-2309	22	14	with	with	ADP
ejif-2309	22	15	some	some	DET
ejif-2309	22	16	recommendations	recommendation	NOUN
ejif-2309	22	17	for	for	ADP
ejif-2309	22	18	future	future	ADJ
ejif-2309	22	19	studies	study	NOUN
ejif-2309	22	20	.	.	PUNCT
ejif-2309	23	1	ii	ii	PROPN
ejif-2309	23	2	.	.	PUNCT
ejif-2309	24	1	literature	literature	PROPN
ejif-2309	24	2	review	review	VERB
ejif-2309	24	3	the	the	DET
ejif-2309	24	4	area	area	NOUN
ejif-2309	24	5	of	of	ADP
ejif-2309	24	6	internet	internet	NOUN
ejif-2309	24	7	banking	banking	NOUN
ejif-2309	24	8	acceptance	acceptance	NOUN
ejif-2309	24	9	has	have	AUX
ejif-2309	24	10	been	be	AUX
ejif-2309	24	11	widely	widely	ADV
ejif-2309	24	12	emphasised	emphasise	VERB
ejif-2309	24	13	both	both	CCONJ
ejif-2309	24	14	theoretically	theoretically	ADV
ejif-2309	24	15	and	and	CCONJ
ejif-2309	24	16	empirically	empirically	ADV
ejif-2309	24	17	.	.	PUNCT
ejif-2309	25	1	however	however	ADV
ejif-2309	25	2	,	,	PUNCT
ejif-2309	25	3	most	most	ADJ
ejif-2309	25	4	of	of	ADP
ejif-2309	25	5	these	these	DET
ejif-2309	25	6	studies	study	NOUN
ejif-2309	25	7	were	be	AUX
ejif-2309	25	8	focusing	focus	VERB
ejif-2309	25	9	on	on	ADP
ejif-2309	25	10	conventional	conventional	ADJ
ejif-2309	25	11	commercial	commercial	ADJ
ejif-2309	25	12	banks	bank	NOUN
ejif-2309	25	13	,	,	PUNCT
ejif-2309	25	14	while	while	SCONJ
ejif-2309	25	15	very	very	ADV
ejif-2309	25	16	few	few	ADJ
ejif-2309	25	17	studies	study	NOUN
ejif-2309	25	18	examined	examine	VERB
ejif-2309	25	19	this	this	DET
ejif-2309	25	20	aspect	aspect	NOUN
ejif-2309	25	21	from	from	ADP
ejif-2309	25	22	the	the	DET
ejif-2309	25	23	islamic	islamic	ADJ
ejif-2309	25	24	banks	bank	NOUN
ejif-2309	25	25	’	'	PUNCT
ejif-2309	25	26	customers	customer	NOUN
ejif-2309	25	27	’	'	PUNCT
ejif-2309	25	28	perspective	perspective	NOUN
ejif-2309	25	29	.	.	PUNCT
ejif-2309	26	1	in	in	ADP
ejif-2309	26	2	this	this	DET
ejif-2309	26	3	regard	regard	NOUN
ejif-2309	26	4	,	,	PUNCT
ejif-2309	26	5	krauter	krauter	NOUN
ejif-2309	26	6	and	and	CCONJ
ejif-2309	26	7	faullant	faullant	ADJ
ejif-2309	26	8	(	(	PUNCT
ejif-2309	26	9	2008	2008	NUM
ejif-2309	26	10	)	)	PUNCT
ejif-2309	26	11	studied	study	VERB
ejif-2309	26	12	the	the	DET
ejif-2309	26	13	acceptance	acceptance	NOUN
ejif-2309	26	14	of	of	ADP
ejif-2309	26	15	internet	internet	NOUN
ejif-2309	26	16	banking	banking	NOUN
ejif-2309	26	17	in	in	ADP
ejif-2309	26	18	austria	austria	NOUN
ejif-2309	26	19	focusing	focus	VERB
ejif-2309	26	20	on	on	ADP
ejif-2309	26	21	a	a	DET
ejif-2309	26	22	sample	sample	NOUN
ejif-2309	26	23	of	of	ADP
ejif-2309	26	24	381	381	NUM
ejif-2309	26	25	respondents	respondent	NOUN
ejif-2309	26	26	and	and	CCONJ
ejif-2309	26	27	using	use	VERB
ejif-2309	26	28	structural	structural	ADJ
ejif-2309	26	29	equation	equation	NOUN
ejif-2309	26	30	modelling	modelling	NOUN
ejif-2309	26	31	(	(	PUNCT
ejif-2309	26	32	sem	sem	NOUN
ejif-2309	26	33	)	)	PUNCT
ejif-2309	26	34	.	.	PUNCT
ejif-2309	27	1	their	their	PRON
ejif-2309	27	2	results	result	NOUN
ejif-2309	27	3	confirmed	confirm	VERB
ejif-2309	27	4	the	the	DET
ejif-2309	27	5	influence	influence	NOUN
ejif-2309	27	6	of	of	ADP
ejif-2309	27	7	internet	internet	NOUN
ejif-2309	27	8	trust	trust	NOUN
ejif-2309	27	9	on	on	ADP
ejif-2309	27	10	risk	risk	NOUN
ejif-2309	27	11	perception	perception	NOUN
ejif-2309	27	12	and	and	CCONJ
ejif-2309	27	13	consumer	consumer	NOUN
ejif-2309	27	14	attitudes	attitude	NOUN
ejif-2309	27	15	towards	towards	ADP
ejif-2309	27	16	internet	internet	NOUN
ejif-2309	27	17	banking	banking	NOUN
ejif-2309	27	18	.	.	PUNCT
ejif-2309	28	1	moreover	moreover	ADV
ejif-2309	28	2	,	,	PUNCT
ejif-2309	28	3	propensity	propensity	NOUN
ejif-2309	28	4	to	to	PART
ejif-2309	28	5	trust	trust	VERB
ejif-2309	28	6	is	be	AUX
ejif-2309	28	7	a	a	DET
ejif-2309	28	8	determinant	determinant	ADJ
ejif-2309	28	9	not	not	PART
ejif-2309	28	10	only	only	ADV
ejif-2309	28	11	for	for	ADP
ejif-2309	28	12	interpersonal	interpersonal	ADJ
ejif-2309	28	13	relationships	relationship	NOUN
ejif-2309	28	14	but	but	CCONJ
ejif-2309	28	15	also	also	ADV
ejif-2309	28	16	for	for	ADP
ejif-2309	28	17	trust	trust	NOUN
ejif-2309	28	18	in	in	ADP
ejif-2309	28	19	technological	technological	ADJ
ejif-2309	28	20	systems	system	NOUN
ejif-2309	28	21	.	.	PUNCT
ejif-2309	29	1	aderonke	aderonke	PROPN
ejif-2309	29	2	and	and	CCONJ
ejif-2309	29	3	charles	charles	PROPN
ejif-2309	29	4	(	(	PUNCT
ejif-2309	29	5	2010	2010	NUM
ejif-2309	29	6	)	)	PUNCT
ejif-2309	29	7	investigated	investigate	VERB
ejif-2309	29	8	the	the	DET
ejif-2309	29	9	factors	factor	NOUN
ejif-2309	29	10	that	that	PRON
ejif-2309	29	11	determine	determine	VERB
ejif-2309	29	12	users	user	NOUN
ejif-2309	29	13	’	'	PUNCT
ejif-2309	29	14	behavioural	behavioural	ADJ
ejif-2309	29	15	intentions	intention	NOUN
ejif-2309	29	16	to	to	PART
ejif-2309	29	17	use	use	VERB
ejif-2309	29	18	electronic	electronic	ADJ
ejif-2309	29	19	banking	banking	NOUN
ejif-2309	29	20	services	service	NOUN
ejif-2309	29	21	in	in	ADP
ejif-2309	29	22	nigeria	nigeria	PROPN
ejif-2309	29	23	.	.	PUNCT
ejif-2309	30	1	the	the	DET
ejif-2309	30	2	study	study	NOUN
ejif-2309	30	3	covered	cover	VERB
ejif-2309	30	4	a	a	DET
ejif-2309	30	5	sample	sample	NOUN
ejif-2309	30	6	of	of	ADP
ejif-2309	30	7	500	500	NUM
ejif-2309	30	8	respondents	respondent	NOUN
ejif-2309	30	9	from	from	ADP
ejif-2309	30	10	lagos	lago	NOUN
ejif-2309	30	11	and	and	CCONJ
ejif-2309	30	12	the	the	DET
ejif-2309	30	13	surrounding	surround	VERB
ejif-2309	30	14	areas	area	NOUN
ejif-2309	30	15	.	.	PUNCT
ejif-2309	31	1	the	the	DET
ejif-2309	31	2	results	result	NOUN
ejif-2309	31	3	showed	show	VERB
ejif-2309	31	4	that	that	SCONJ
ejif-2309	31	5	banks	bank	NOUN
ejif-2309	31	6	’	'	PUNCT
ejif-2309	31	7	customers	customer	NOUN
ejif-2309	31	8	who	who	PRON
ejif-2309	31	9	are	be	AUX
ejif-2309	31	10	active	active	ADJ
ejif-2309	31	11	users	user	NOUN
ejif-2309	31	12	of	of	ADP
ejif-2309	31	13	e	e	NOUN
ejif-2309	31	14	-	-	ADJ
ejif-2309	31	15	banking	banking	ADJ
ejif-2309	31	16	system	system	NOUN
ejif-2309	31	17	use	use	VERB
ejif-2309	31	18	it	it	PRON
ejif-2309	31	19	because	because	SCONJ
ejif-2309	31	20	it	it	PRON
ejif-2309	31	21	is	be	AUX
ejif-2309	31	22	convenient	convenient	ADJ
ejif-2309	31	23	,	,	PUNCT
ejif-2309	31	24	easy	easy	ADJ
ejif-2309	31	25	to	to	PART
ejif-2309	31	26	use	use	VERB
ejif-2309	31	27	,	,	PUNCT
ejif-2309	31	28	time	time	NOUN
ejif-2309	31	29	saving	saving	NOUN
ejif-2309	31	30	and	and	CCONJ
ejif-2309	31	31	appropriate	appropriate	ADJ
ejif-2309	31	32	for	for	ADP
ejif-2309	31	33	their	their	PRON
ejif-2309	31	34	transaction	transaction	NOUN
ejif-2309	31	35	needs	need	NOUN
ejif-2309	31	36	.	.	PUNCT
ejif-2309	32	1	also	also	ADV
ejif-2309	32	2	the	the	DET
ejif-2309	32	3	network	network	NOUN
ejif-2309	32	4	security	security	NOUN
ejif-2309	32	5	and	and	CCONJ
ejif-2309	32	6	the	the	DET
ejif-2309	32	7	security	security	NOUN
ejif-2309	32	8	of	of	ADP
ejif-2309	32	9	the	the	DET
ejif-2309	32	10	system	system	NOUN
ejif-2309	32	11	in	in	ADP
ejif-2309	32	12	terms	term	NOUN
ejif-2309	32	13	of	of	ADP
ejif-2309	32	14	abdelghani	abdelghani	ADJ
ejif-2309	32	15	echchabi	echchabi	NOUN
ejif-2309	32	16	ejif	ejif	PROPN
ejif-2309	32	17	–	–	PUNCT
ejif-2309	32	18	european	european	PROPN
ejif-2309	32	19	journal	journal	PROPN
ejif-2309	32	20	of	of	ADP
ejif-2309	32	21	islamic	islamic	PROPN
ejif-2309	32	22	finance	finance	NOUN
ejif-2309	32	23	no	no	DET
ejif-2309	32	24	9	9	NUM
ejif-2309	32	25	,	,	PUNCT
ejif-2309	32	26	april	april	PROPN
ejif-2309	32	27	(	(	PUNCT
ejif-2309	32	28	2018	2018	NUM
ejif-2309	32	29	)	)	PUNCT
ejif-2309	33	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2309	33	2	issn	issn	VERB
ejif-2309	33	3	2421	2421	NUM
ejif-2309	33	4	-	-	SYM
ejif-2309	33	5	2172	2172	NUM
ejif-2309	33	6	2	2	NUM
ejif-2309	33	7	privacy	privacy	NOUN
ejif-2309	33	8	are	be	AUX
ejif-2309	33	9	the	the	DET
ejif-2309	33	10	major	major	ADJ
ejif-2309	33	11	concerns	concern	NOUN
ejif-2309	33	12	of	of	ADP
ejif-2309	33	13	the	the	DET
ejif-2309	33	14	users	user	NOUN
ejif-2309	33	15	and	and	CCONJ
ejif-2309	33	16	constitute	constitute	VERB
ejif-2309	33	17	hindrance	hindrance	NOUN
ejif-2309	33	18	to	to	ADP
ejif-2309	33	19	intending	intend	VERB
ejif-2309	33	20	users	user	NOUN
ejif-2309	33	21	.	.	PUNCT
ejif-2309	34	1	echchabi	echchabi	PROPN
ejif-2309	34	2	(	(	PUNCT
ejif-2309	34	3	2011	2011	NUM
ejif-2309	34	4	)	)	PUNCT
ejif-2309	34	5	examined	examine	VERB
ejif-2309	34	6	the	the	DET
ejif-2309	34	7	customers	customer	NOUN
ejif-2309	34	8	’	’	PART
ejif-2309	34	9	intention	intention	NOUN
ejif-2309	34	10	to	to	PART
ejif-2309	34	11	use	use	VERB
ejif-2309	34	12	online	online	ADJ
ejif-2309	34	13	banking	banking	NOUN
ejif-2309	34	14	services	service	NOUN
ejif-2309	34	15	in	in	ADP
ejif-2309	34	16	morocco	morocco	PROPN
ejif-2309	34	17	.	.	PUNCT
ejif-2309	35	1	the	the	DET
ejif-2309	35	2	author	author	NOUN
ejif-2309	35	3	applied	apply	VERB
ejif-2309	35	4	sem	sem	NOUN
ejif-2309	35	5	to	to	ADP
ejif-2309	35	6	a	a	DET
ejif-2309	35	7	sample	sample	NOUN
ejif-2309	35	8	of	of	ADP
ejif-2309	35	9	300	300	NUM
ejif-2309	35	10	respondents	respondent	NOUN
ejif-2309	35	11	.	.	PUNCT
ejif-2309	36	1	the	the	DET
ejif-2309	36	2	results	result	NOUN
ejif-2309	36	3	indicated	indicate	VERB
ejif-2309	36	4	that	that	SCONJ
ejif-2309	36	5	perceived	perceive	VERB
ejif-2309	36	6	ease	ease	NOUN
ejif-2309	36	7	of	of	ADP
ejif-2309	36	8	use	use	NOUN
ejif-2309	36	9	has	have	VERB
ejif-2309	36	10	a	a	DET
ejif-2309	36	11	significant	significant	ADJ
ejif-2309	36	12	positive	positive	ADJ
ejif-2309	36	13	influence	influence	NOUN
ejif-2309	36	14	on	on	ADP
ejif-2309	36	15	the	the	DET
ejif-2309	36	16	perceived	perceive	VERB
ejif-2309	36	17	usefulness	usefulness	NOUN
ejif-2309	36	18	of	of	ADP
ejif-2309	36	19	online	online	ADJ
ejif-2309	36	20	banking	banking	NOUN
ejif-2309	36	21	,	,	PUNCT
ejif-2309	36	22	and	and	CCONJ
ejif-2309	36	23	both	both	DET
ejif-2309	36	24	the	the	DET
ejif-2309	36	25	variables	variable	NOUN
ejif-2309	36	26	have	have	VERB
ejif-2309	36	27	a	a	DET
ejif-2309	36	28	significant	significant	ADJ
ejif-2309	36	29	positive	positive	ADJ
ejif-2309	36	30	influence	influence	NOUN
ejif-2309	36	31	on	on	ADP
ejif-2309	36	32	the	the	DET
ejif-2309	36	33	attitude	attitude	NOUN
ejif-2309	36	34	towards	towards	ADP
ejif-2309	36	35	online	online	ADJ
ejif-2309	36	36	banking	banking	NOUN
ejif-2309	36	37	.	.	PUNCT
ejif-2309	37	1	the	the	DET
ejif-2309	37	2	latter	latter	ADJ
ejif-2309	37	3	further	far	ADV
ejif-2309	37	4	has	have	VERB
ejif-2309	37	5	a	a	DET
ejif-2309	37	6	significant	significant	ADJ
ejif-2309	37	7	positive	positive	ADJ
ejif-2309	37	8	influence	influence	NOUN
ejif-2309	37	9	on	on	ADP
ejif-2309	37	10	the	the	DET
ejif-2309	37	11	intention	intention	NOUN
ejif-2309	37	12	to	to	PART
ejif-2309	37	13	adopt	adopt	VERB
ejif-2309	37	14	online	online	ADJ
ejif-2309	37	15	banking	banking	NOUN
ejif-2309	37	16	services	service	NOUN
ejif-2309	37	17	in	in	ADP
ejif-2309	37	18	morocco	morocco	PROPN
ejif-2309	37	19	.	.	PUNCT
ejif-2309	38	1	furthermore	furthermore	ADV
ejif-2309	38	2	,	,	PUNCT
ejif-2309	38	3	the	the	DET
ejif-2309	38	4	invariance	invariance	NOUN
ejif-2309	38	5	analysis	analysis	NOUN
ejif-2309	38	6	showed	show	VERB
ejif-2309	38	7	that	that	SCONJ
ejif-2309	38	8	the	the	DET
ejif-2309	38	9	influence	influence	NOUN
ejif-2309	38	10	is	be	AUX
ejif-2309	38	11	different	different	ADJ
ejif-2309	38	12	between	between	ADP
ejif-2309	38	13	male	male	ADJ
ejif-2309	38	14	and	and	CCONJ
ejif-2309	38	15	female	female	ADJ
ejif-2309	38	16	customers	customer	NOUN
ejif-2309	38	17	.	.	PUNCT
ejif-2309	39	1	in	in	ADP
ejif-2309	39	2	a	a	DET
ejif-2309	39	3	different	different	ADJ
ejif-2309	39	4	context	context	NOUN
ejif-2309	39	5	,	,	PUNCT
ejif-2309	39	6	hassanuddin	hassanuddin	PROPN
ejif-2309	39	7	,	,	PUNCT
ejif-2309	39	8	abdullah	abdullah	PROPN
ejif-2309	39	9	,	,	PUNCT
ejif-2309	39	10	mansor	mansor	PROPN
ejif-2309	39	11	,	,	PUNCT
ejif-2309	39	12	and	and	CCONJ
ejif-2309	39	13	hassan	hassan	PROPN
ejif-2309	39	14	(	(	PUNCT
ejif-2309	39	15	2012	2012	NUM
ejif-2309	39	16	)	)	PUNCT
ejif-2309	39	17	investigated	investigate	VERB
ejif-2309	39	18	the	the	DET
ejif-2309	39	19	factors	factor	NOUN
ejif-2309	39	20	influencing	influence	VERB
ejif-2309	39	21	the	the	DET
ejif-2309	39	22	acceptance	acceptance	NOUN
ejif-2309	39	23	of	of	ADP
ejif-2309	39	24	internet	internet	NOUN
ejif-2309	39	25	banking	banking	NOUN
ejif-2309	39	26	services	service	NOUN
ejif-2309	39	27	provided	provide	VERB
ejif-2309	39	28	by	by	ADP
ejif-2309	39	29	the	the	DET
ejif-2309	39	30	malaysian	malaysian	ADJ
ejif-2309	39	31	cooperative	cooperative	ADJ
ejif-2309	39	32	banks	bank	NOUN
ejif-2309	39	33	.	.	PUNCT
ejif-2309	40	1	the	the	DET
ejif-2309	40	2	authors	author	NOUN
ejif-2309	40	3	covered	cover	VERB
ejif-2309	40	4	a	a	DET
ejif-2309	40	5	sample	sample	NOUN
ejif-2309	40	6	of	of	ADP
ejif-2309	40	7	171	171	NUM
ejif-2309	40	8	respondents	respondent	NOUN
ejif-2309	40	9	and	and	CCONJ
ejif-2309	40	10	mainly	mainly	ADV
ejif-2309	40	11	applied	apply	VERB
ejif-2309	40	12	descriptive	descriptive	ADJ
ejif-2309	40	13	statistics	statistic	NOUN
ejif-2309	40	14	to	to	PART
ejif-2309	40	15	achieve	achieve	VERB
ejif-2309	40	16	the	the	DET
ejif-2309	40	17	objective	objective	NOUN
ejif-2309	40	18	of	of	ADP
ejif-2309	40	19	the	the	DET
ejif-2309	40	20	study	study	NOUN
ejif-2309	40	21	.	.	PUNCT
ejif-2309	41	1	the	the	DET
ejif-2309	41	2	findings	finding	NOUN
ejif-2309	41	3	revealed	reveal	VERB
ejif-2309	41	4	that	that	SCONJ
ejif-2309	41	5	ease	ease	NOUN
ejif-2309	41	6	of	of	ADP
ejif-2309	41	7	use	use	NOUN
ejif-2309	41	8	,	,	PUNCT
ejif-2309	41	9	security	security	NOUN
ejif-2309	41	10	and	and	CCONJ
ejif-2309	41	11	privacy	privacy	NOUN
ejif-2309	41	12	as	as	ADV
ejif-2309	41	13	well	well	ADV
ejif-2309	41	14	as	as	ADP
ejif-2309	41	15	quality	quality	NOUN
ejif-2309	41	16	of	of	ADP
ejif-2309	41	17	internet	internet	NOUN
ejif-2309	41	18	connection	connection	NOUN
ejif-2309	41	19	are	be	AUX
ejif-2309	41	20	the	the	DET
ejif-2309	41	21	main	main	ADJ
ejif-2309	41	22	factors	factor	NOUN
ejif-2309	41	23	that	that	PRON
ejif-2309	41	24	contribute	contribute	VERB
ejif-2309	41	25	towards	towards	ADP
ejif-2309	41	26	acceptance	acceptance	NOUN
ejif-2309	41	27	of	of	ADP
ejif-2309	41	28	internet	internet	NOUN
ejif-2309	41	29	banking	banking	NOUN
ejif-2309	41	30	services	service	NOUN
ejif-2309	41	31	.	.	PUNCT
ejif-2309	42	1	in	in	ADP
ejif-2309	42	2	another	another	DET
ejif-2309	42	3	context	context	NOUN
ejif-2309	42	4	,	,	PUNCT
ejif-2309	42	5	khater	khater	NOUN
ejif-2309	42	6	,	,	PUNCT
ejif-2309	42	7	almansour	almansour	ADJ
ejif-2309	42	8	,	,	PUNCT
ejif-2309	42	9	and	and	CCONJ
ejif-2309	42	10	mahmoud	mahmoud	PROPN
ejif-2309	42	11	(	(	PUNCT
ejif-2309	42	12	2014	2014	NUM
ejif-2309	42	13	)	)	PUNCT
ejif-2309	42	14	explored	explore	VERB
ejif-2309	42	15	the	the	DET
ejif-2309	42	16	factors	factor	NOUN
ejif-2309	42	17	influencing	influence	VERB
ejif-2309	42	18	customers	customer	NOUN
ejif-2309	42	19	’	'	PUNCT
ejif-2309	42	20	acceptance	acceptance	NOUN
ejif-2309	42	21	of	of	ADP
ejif-2309	42	22	internet	internet	NOUN
ejif-2309	42	23	banking	banking	NOUN
ejif-2309	42	24	services	service	NOUN
ejif-2309	42	25	in	in	ADP
ejif-2309	42	26	sudan	sudan	PROPN
ejif-2309	42	27	.	.	PUNCT
ejif-2309	43	1	the	the	DET
ejif-2309	43	2	authors	author	NOUN
ejif-2309	43	3	covered	cover	VERB
ejif-2309	43	4	a	a	DET
ejif-2309	43	5	sample	sample	NOUN
ejif-2309	43	6	of	of	ADP
ejif-2309	43	7	207	207	NUM
ejif-2309	43	8	respondents	respondent	NOUN
ejif-2309	43	9	and	and	CCONJ
ejif-2309	43	10	applied	apply	VERB
ejif-2309	43	11	sem	sem	NOUN
ejif-2309	43	12	in	in	ADP
ejif-2309	43	13	the	the	DET
ejif-2309	43	14	analysis	analysis	NOUN
ejif-2309	43	15	.	.	PUNCT
ejif-2309	44	1	their	their	PRON
ejif-2309	44	2	findings	finding	NOUN
ejif-2309	44	3	indicated	indicate	VERB
ejif-2309	44	4	that	that	SCONJ
ejif-2309	44	5	internet	internet	NOUN
ejif-2309	44	6	connection	connection	NOUN
ejif-2309	44	7	quality	quality	NOUN
ejif-2309	44	8	has	have	VERB
ejif-2309	44	9	direct	direct	ADJ
ejif-2309	44	10	effect	effect	NOUN
ejif-2309	44	11	on	on	ADP
ejif-2309	44	12	the	the	DET
ejif-2309	44	13	behavioral	behavioral	ADJ
ejif-2309	44	14	intention	intention	NOUN
ejif-2309	44	15	to	to	PART
ejif-2309	44	16	use	use	VERB
ejif-2309	44	17	internet	internet	NOUN
ejif-2309	44	18	banking	banking	NOUN
ejif-2309	44	19	in	in	ADP
ejif-2309	44	20	sudan	sudan	PROPN
ejif-2309	44	21	.	.	PUNCT
ejif-2309	45	1	in	in	ADP
ejif-2309	45	2	the	the	DET
ejif-2309	45	3	specific	specific	ADJ
ejif-2309	45	4	context	context	NOUN
ejif-2309	45	5	of	of	ADP
ejif-2309	45	6	islamic	islamic	ADJ
ejif-2309	45	7	banking	banking	NOUN
ejif-2309	45	8	,	,	PUNCT
ejif-2309	45	9	relatively	relatively	ADV
ejif-2309	45	10	fewer	few	ADJ
ejif-2309	45	11	studies	study	NOUN
ejif-2309	45	12	have	have	AUX
ejif-2309	45	13	been	be	AUX
ejif-2309	45	14	conducted	conduct	VERB
ejif-2309	45	15	.	.	PUNCT
ejif-2309	46	1	feraro	feraro	NOUN
ejif-2309	46	2	-	-	PUNCT
ejif-2309	46	3	banta	banta	PROPN
ejif-2309	46	4	(	(	PUNCT
ejif-2309	46	5	2014	2014	NUM
ejif-2309	46	6	)	)	PUNCT
ejif-2309	46	7	for	for	ADP
ejif-2309	46	8	instance	instance	NOUN
ejif-2309	46	9	attempted	attempt	VERB
ejif-2309	46	10	to	to	PART
ejif-2309	46	11	examine	examine	VERB
ejif-2309	46	12	the	the	DET
ejif-2309	46	13	electronic	electronic	ADJ
ejif-2309	46	14	banking	banking	NOUN
ejif-2309	46	15	services	service	NOUN
ejif-2309	46	16	in	in	ADP
ejif-2309	46	17	islamic	islamic	ADJ
ejif-2309	46	18	banks	bank	NOUN
ejif-2309	46	19	in	in	ADP
ejif-2309	46	20	bahrain	bahrain	NOUN
ejif-2309	46	21	.	.	PUNCT
ejif-2309	47	1	the	the	DET
ejif-2309	47	2	author	author	NOUN
ejif-2309	47	3	focused	focus	VERB
ejif-2309	47	4	on	on	ADP
ejif-2309	47	5	a	a	DET
ejif-2309	47	6	sample	sample	NOUN
ejif-2309	47	7	of	of	ADP
ejif-2309	47	8	200	200	NUM
ejif-2309	47	9	customers	customer	NOUN
ejif-2309	47	10	and	and	CCONJ
ejif-2309	47	11	applied	apply	VERB
ejif-2309	47	12	mixed	mixed	ADJ
ejif-2309	47	13	methodology	methodology	NOUN
ejif-2309	47	14	.	.	PUNCT
ejif-2309	48	1	the	the	DET
ejif-2309	48	2	findings	finding	NOUN
ejif-2309	48	3	revealed	reveal	VERB
ejif-2309	48	4	that	that	SCONJ
ejif-2309	48	5	islamic	islamic	ADJ
ejif-2309	48	6	banks	bank	NOUN
ejif-2309	48	7	in	in	ADP
ejif-2309	48	8	bahrain	bahrain	NOUN
ejif-2309	48	9	are	be	AUX
ejif-2309	48	10	intensively	intensively	ADV
ejif-2309	48	11	making	make	VERB
ejif-2309	48	12	use	use	NOUN
ejif-2309	48	13	of	of	ADP
ejif-2309	48	14	electronic	electronic	ADJ
ejif-2309	48	15	services	service	NOUN
ejif-2309	48	16	for	for	ADP
ejif-2309	48	17	their	their	PRON
ejif-2309	48	18	banking	banking	NOUN
ejif-2309	48	19	operations	operation	NOUN
ejif-2309	48	20	.	.	PUNCT
ejif-2309	49	1	furthermore	furthermore	ADV
ejif-2309	49	2	,	,	PUNCT
ejif-2309	49	3	the	the	DET
ejif-2309	49	4	bank	bank	NOUN
ejif-2309	49	5	customers	customer	NOUN
ejif-2309	49	6	have	have	VERB
ejif-2309	49	7	higher	high	ADJ
ejif-2309	49	8	expectations	expectation	NOUN
ejif-2309	49	9	as	as	ADP
ejif-2309	49	10	to	to	ADP
ejif-2309	49	11	the	the	DET
ejif-2309	49	12	electronic	electronic	ADJ
ejif-2309	49	13	banking	banking	NOUN
ejif-2309	49	14	services	service	NOUN
ejif-2309	49	15	of	of	ADP
ejif-2309	49	16	islamic	islamic	ADJ
ejif-2309	49	17	banks	bank	NOUN
ejif-2309	49	18	.	.	PUNCT
ejif-2309	50	1	in	in	ADP
ejif-2309	50	2	addition	addition	NOUN
ejif-2309	50	3	,	,	PUNCT
ejif-2309	50	4	there	there	PRON
ejif-2309	50	5	is	be	VERB
ejif-2309	50	6	no	no	DET
ejif-2309	50	7	considerable	considerable	ADJ
ejif-2309	50	8	divergence	divergence	NOUN
ejif-2309	50	9	between	between	ADP
ejif-2309	50	10	the	the	DET
ejif-2309	50	11	level	level	NOUN
ejif-2309	50	12	of	of	ADP
ejif-2309	50	13	expectations	expectation	NOUN
ejif-2309	50	14	of	of	ADP
ejif-2309	50	15	customers	customer	NOUN
ejif-2309	50	16	and	and	CCONJ
ejif-2309	50	17	the	the	DET
ejif-2309	50	18	status	status	NOUN
ejif-2309	50	19	of	of	ADP
ejif-2309	50	20	the	the	DET
ejif-2309	50	21	electronic	electronic	ADJ
ejif-2309	50	22	banking	banking	NOUN
ejif-2309	50	23	services	service	NOUN
ejif-2309	50	24	in	in	ADP
ejif-2309	50	25	islamic	islamic	ADJ
ejif-2309	50	26	banks	bank	NOUN
ejif-2309	50	27	in	in	ADP
ejif-2309	50	28	the	the	DET
ejif-2309	50	29	kingdom	kingdom	NOUN
ejif-2309	50	30	of	of	ADP
ejif-2309	50	31	bahrain	bahrain	NOUN
ejif-2309	50	32	except	except	SCONJ
ejif-2309	50	33	for	for	ADP
ejif-2309	50	34	the	the	DET
ejif-2309	50	35	transfer	transfer	NOUN
ejif-2309	50	36	of	of	ADP
ejif-2309	50	37	funds	fund	NOUN
ejif-2309	50	38	.	.	PUNCT
ejif-2309	51	1	it	it	PRON
ejif-2309	51	2	is	be	AUX
ejif-2309	51	3	noteworthy	noteworthy	ADJ
ejif-2309	51	4	that	that	SCONJ
ejif-2309	51	5	tam	tam	PROPN
ejif-2309	51	6	is	be	AUX
ejif-2309	51	7	one	one	NUM
ejif-2309	51	8	of	of	ADP
ejif-2309	51	9	the	the	DET
ejif-2309	51	10	most	most	ADV
ejif-2309	51	11	widely	widely	ADV
ejif-2309	51	12	accepted	accept	VERB
ejif-2309	51	13	and	and	CCONJ
ejif-2309	51	14	applied	apply	VERB
ejif-2309	51	15	models	model	NOUN
ejif-2309	51	16	for	for	ADP
ejif-2309	51	17	technology	technology	NOUN
ejif-2309	51	18	-	-	PUNCT
ejif-2309	51	19	related	relate	VERB
ejif-2309	51	20	studies	study	NOUN
ejif-2309	51	21	.	.	PUNCT
ejif-2309	52	1	the	the	DET
ejif-2309	52	2	model	model	NOUN
ejif-2309	52	3	which	which	PRON
ejif-2309	52	4	was	be	AUX
ejif-2309	52	5	initiated	initiate	VERB
ejif-2309	52	6	by	by	ADP
ejif-2309	52	7	davies	davy	NOUN
ejif-2309	52	8	(	(	PUNCT
ejif-2309	52	9	1989	1989	NUM
ejif-2309	52	10	)	)	PUNCT
ejif-2309	52	11	is	be	AUX
ejif-2309	52	12	based	base	VERB
ejif-2309	52	13	on	on	ADP
ejif-2309	52	14	three	three	NUM
ejif-2309	52	15	main	main	ADJ
ejif-2309	52	16	dimensions	dimension	NOUN
ejif-2309	52	17	,	,	PUNCT
ejif-2309	52	18	namely	namely	ADV
ejif-2309	52	19	,	,	PUNCT
ejif-2309	52	20	perceived	perceive	VERB
ejif-2309	52	21	ease	ease	NOUN
ejif-2309	52	22	of	of	ADP
ejif-2309	52	23	use	use	NOUN
ejif-2309	52	24	,	,	PUNCT
ejif-2309	52	25	perceived	perceive	VERB
ejif-2309	52	26	usefulness	usefulness	NOUN
ejif-2309	52	27	and	and	CCONJ
ejif-2309	52	28	behavioural	behavioural	ADJ
ejif-2309	52	29	intention	intention	NOUN
ejif-2309	52	30	.	.	PUNCT
ejif-2309	53	1	tam	tam	PROPN
ejif-2309	53	2	suggests	suggest	VERB
ejif-2309	53	3	that	that	SCONJ
ejif-2309	53	4	perceived	perceive	VERB
ejif-2309	53	5	ease	ease	NOUN
ejif-2309	53	6	of	of	ADP
ejif-2309	53	7	use	use	NOUN
ejif-2309	53	8	has	have	VERB
ejif-2309	53	9	a	a	DET
ejif-2309	53	10	positive	positive	ADJ
ejif-2309	53	11	effect	effect	NOUN
ejif-2309	53	12	on	on	ADP
ejif-2309	53	13	perceived	perceive	VERB
ejif-2309	53	14	usefulness	usefulness	NOUN
ejif-2309	53	15	,	,	PUNCT
ejif-2309	53	16	and	and	CCONJ
ejif-2309	53	17	both	both	PRON
ejif-2309	53	18	have	have	VERB
ejif-2309	53	19	a	a	DET
ejif-2309	53	20	positive	positive	ADJ
ejif-2309	53	21	effect	effect	NOUN
ejif-2309	53	22	on	on	ADP
ejif-2309	53	23	the	the	DET
ejif-2309	53	24	intention	intention	NOUN
ejif-2309	53	25	to	to	PART
ejif-2309	53	26	adopt	adopt	VERB
ejif-2309	53	27	a	a	DET
ejif-2309	53	28	technology	technology	NOUN
ejif-2309	53	29	.	.	PUNCT
ejif-2309	54	1	tam	tam	PROPN
ejif-2309	54	2	indeed	indeed	ADV
ejif-2309	54	3	gives	give	VERB
ejif-2309	54	4	an	an	DET
ejif-2309	54	5	opportunity	opportunity	NOUN
ejif-2309	54	6	to	to	PART
ejif-2309	54	7	include	include	VERB
ejif-2309	54	8	a	a	DET
ejif-2309	54	9	wide	wide	ADJ
ejif-2309	54	10	range	range	NOUN
ejif-2309	54	11	of	of	ADP
ejif-2309	54	12	aspects	aspect	NOUN
ejif-2309	54	13	related	relate	VERB
ejif-2309	54	14	to	to	ADP
ejif-2309	54	15	both	both	DET
ejif-2309	54	16	easiness	easiness	NOUN
ejif-2309	54	17	of	of	ADP
ejif-2309	54	18	using	use	VERB
ejif-2309	54	19	technology	technology	NOUN
ejif-2309	54	20	as	as	ADV
ejif-2309	54	21	well	well	ADV
ejif-2309	54	22	as	as	ADP
ejif-2309	54	23	the	the	DET
ejif-2309	54	24	usefulness	usefulness	NOUN
ejif-2309	54	25	of	of	ADP
ejif-2309	54	26	the	the	DET
ejif-2309	54	27	system	system	NOUN
ejif-2309	54	28	.	.	PUNCT
ejif-2309	55	1	thus	thus	ADV
ejif-2309	55	2	,	,	PUNCT
ejif-2309	55	3	based	base	VERB
ejif-2309	55	4	on	on	ADP
ejif-2309	55	5	the	the	DET
ejif-2309	55	6	tam	tam	NOUN
ejif-2309	55	7	framework	framework	NOUN
ejif-2309	55	8	,	,	PUNCT
ejif-2309	55	9	the	the	DET
ejif-2309	55	10	following	follow	VERB
ejif-2309	55	11	hypotheses	hypothesis	NOUN
ejif-2309	55	12	are	be	AUX
ejif-2309	55	13	posited	posit	VERB
ejif-2309	55	14	:	:	PUNCT
ejif-2309	55	15	h1	h1	NOUN
ejif-2309	55	16	:	:	PUNCT
ejif-2309	55	17	perceived	perceive	VERB
ejif-2309	55	18	ease	ease	NOUN
ejif-2309	55	19	of	of	ADP
ejif-2309	55	20	use	use	NOUN
ejif-2309	55	21	has	have	VERB
ejif-2309	55	22	a	a	DET
ejif-2309	55	23	positive	positive	ADJ
ejif-2309	55	24	influence	influence	NOUN
ejif-2309	55	25	on	on	ADP
ejif-2309	55	26	the	the	DET
ejif-2309	55	27	perceived	perceive	VERB
ejif-2309	55	28	usefulness	usefulness	NOUN
ejif-2309	55	29	of	of	ADP
ejif-2309	55	30	e	e	NOUN
ejif-2309	55	31	-	-	NOUN
ejif-2309	55	32	banking	banking	NOUN
ejif-2309	55	33	by	by	ADP
ejif-2309	55	34	islamic	islamic	ADJ
ejif-2309	55	35	banks	bank	NOUN
ejif-2309	55	36	’	’	PART
ejif-2309	55	37	customers	customer	NOUN
ejif-2309	55	38	in	in	ADP
ejif-2309	55	39	thailand	thailand	PROPN
ejif-2309	55	40	.	.	PUNCT
ejif-2309	56	1	h2	h2	PROPN
ejif-2309	56	2	:	:	PUNCT
ejif-2309	56	3	perceived	perceive	VERB
ejif-2309	56	4	ease	ease	NOUN
ejif-2309	56	5	of	of	ADP
ejif-2309	56	6	use	use	NOUN
ejif-2309	56	7	has	have	VERB
ejif-2309	56	8	a	a	DET
ejif-2309	56	9	positive	positive	ADJ
ejif-2309	56	10	influence	influence	NOUN
ejif-2309	56	11	on	on	ADP
ejif-2309	56	12	the	the	DET
ejif-2309	56	13	customers	customer	NOUN
ejif-2309	56	14	’	’	PART
ejif-2309	56	15	intention	intention	NOUN
ejif-2309	56	16	to	to	PART
ejif-2309	56	17	use	use	VERB
ejif-2309	56	18	e	e	NOUN
ejif-2309	56	19	-	-	NOUN
ejif-2309	56	20	banking	banking	NOUN
ejif-2309	56	21	by	by	ADP
ejif-2309	56	22	islamic	islamic	ADJ
ejif-2309	56	23	banks	bank	NOUN
ejif-2309	56	24	’	’	PART
ejif-2309	56	25	customers	customer	NOUN
ejif-2309	56	26	in	in	ADP
ejif-2309	56	27	thailand	thailand	PROPN
ejif-2309	56	28	.	.	PUNCT
ejif-2309	57	1	h3	h3	NOUN
ejif-2309	57	2	:	:	PUNCT
ejif-2309	57	3	perceived	perceive	VERB
ejif-2309	57	4	usefulness	usefulness	NOUN
ejif-2309	57	5	has	have	VERB
ejif-2309	57	6	a	a	DET
ejif-2309	57	7	positive	positive	ADJ
ejif-2309	57	8	influence	influence	NOUN
ejif-2309	57	9	on	on	ADP
ejif-2309	57	10	the	the	DET
ejif-2309	57	11	customers	customer	NOUN
ejif-2309	57	12	’	’	PART
ejif-2309	57	13	intention	intention	NOUN
ejif-2309	57	14	to	to	PART
ejif-2309	57	15	use	use	VERB
ejif-2309	57	16	e	e	NOUN
ejif-2309	57	17	-	-	NOUN
ejif-2309	57	18	banking	banking	NOUN
ejif-2309	57	19	by	by	ADP
ejif-2309	57	20	islamic	islamic	ADJ
ejif-2309	57	21	banks	bank	NOUN
ejif-2309	57	22	’	’	PART
ejif-2309	57	23	customers	customer	NOUN
ejif-2309	57	24	in	in	ADP
ejif-2309	57	25	thailand	thailand	PROPN
ejif-2309	57	26	.	.	PUNCT
ejif-2309	58	1	h4o	h4o	NOUN
ejif-2309	58	2	:	:	PUNCT
ejif-2309	58	3	the	the	DET
ejif-2309	58	4	islamic	islamic	ADJ
ejif-2309	58	5	banks	bank	NOUN
ejif-2309	58	6	'	'	PART
ejif-2309	58	7	customers	customer	NOUN
ejif-2309	58	8	in	in	ADP
ejif-2309	58	9	thailand	thailand	PROPN
ejif-2309	58	10	are	be	AUX
ejif-2309	58	11	indifferent	indifferent	ADJ
ejif-2309	58	12	in	in	ADP
ejif-2309	58	13	using	use	VERB
ejif-2309	58	14	e	e	NOUN
ejif-2309	58	15	-	-	NOUN
ejif-2309	58	16	banking	banking	NOUN
ejif-2309	58	17	.	.	PUNCT
ejif-2309	59	1	iii	iii	X
ejif-2309	59	2	.	.	PROPN
ejif-2309	59	3	methodology	methodology	NOUN
ejif-2309	59	4	the	the	DET
ejif-2309	59	5	current	current	ADJ
ejif-2309	59	6	study	study	NOUN
ejif-2309	59	7	focuses	focus	VERB
ejif-2309	59	8	on	on	ADP
ejif-2309	59	9	the	the	DET
ejif-2309	59	10	islamic	islamic	ADJ
ejif-2309	59	11	banks	bank	NOUN
ejif-2309	59	12	'	'	PART
ejif-2309	59	13	customers	customer	NOUN
ejif-2309	59	14	in	in	ADP
ejif-2309	59	15	thailand	thailand	PROPN
ejif-2309	59	16	.	.	PUNCT
ejif-2309	60	1	particularly	particularly	ADV
ejif-2309	60	2	,	,	PUNCT
ejif-2309	60	3	in	in	ADP
ejif-2309	60	4	bangkok	bangkok	PROPN
ejif-2309	60	5	the	the	DET
ejif-2309	60	6	capital	capital	NOUN
ejif-2309	60	7	city	city	NOUN
ejif-2309	60	8	and	and	CCONJ
ejif-2309	60	9	surrounding	surround	VERB
ejif-2309	60	10	areas	area	NOUN
ejif-2309	60	11	,	,	PUNCT
ejif-2309	60	12	as	as	ADV
ejif-2309	60	13	well	well	ADV
ejif-2309	60	14	as	as	ADP
ejif-2309	60	15	in	in	ADP
ejif-2309	60	16	the	the	DET
ejif-2309	60	17	southern	southern	ADJ
ejif-2309	60	18	region	region	NOUN
ejif-2309	60	19	of	of	ADP
ejif-2309	60	20	the	the	DET
ejif-2309	60	21	country	country	NOUN
ejif-2309	60	22	.	.	PUNCT
ejif-2309	61	1	the	the	DET
ejif-2309	61	2	target	target	NOUN
ejif-2309	61	3	sample	sample	NOUN
ejif-2309	61	4	size	size	NOUN
ejif-2309	61	5	was	be	AUX
ejif-2309	61	6	500	500	NUM
ejif-2309	61	7	respondents	respondent	NOUN
ejif-2309	61	8	determined	determine	VERB
ejif-2309	61	9	through	through	ADP
ejif-2309	61	10	the	the	DET
ejif-2309	61	11	previous	previous	ADJ
ejif-2309	61	12	similar	similar	ADJ
ejif-2309	61	13	studies	study	NOUN
ejif-2309	61	14	in	in	ADP
ejif-2309	61	15	this	this	DET
ejif-2309	61	16	area	area	NOUN
ejif-2309	61	17	(	(	PUNCT
ejif-2309	61	18	e.g.	e.g.	ADV
ejif-2309	61	19	echchabi	echchabi	NOUN
ejif-2309	61	20	and	and	CCONJ
ejif-2309	61	21	abdul	abdul	PROPN
ejif-2309	61	22	aziz	aziz	PROPN
ejif-2309	61	23	,	,	PUNCT
ejif-2309	61	24	2013	2013	NUM
ejif-2309	61	25	)	)	PUNCT
ejif-2309	61	26	.	.	PUNCT
ejif-2309	62	1	the	the	DET
ejif-2309	62	2	survey	survey	NOUN
ejif-2309	62	3	questionnaire	questionnaire	NOUN
ejif-2309	62	4	was	be	AUX
ejif-2309	62	5	specifically	specifically	ADV
ejif-2309	62	6	designed	design	VERB
ejif-2309	62	7	to	to	PART
ejif-2309	62	8	collect	collect	VERB
ejif-2309	62	9	information	information	NOUN
ejif-2309	62	10	about	about	ADP
ejif-2309	62	11	the	the	DET
ejif-2309	62	12	perception	perception	NOUN
ejif-2309	62	13	of	of	ADP
ejif-2309	62	14	the	the	DET
ejif-2309	62	15	islamic	islamic	ADJ
ejif-2309	62	16	banks	bank	NOUN
ejif-2309	62	17	'	'	PART
ejif-2309	62	18	customers	customer	NOUN
ejif-2309	62	19	regarding	regard	VERB
ejif-2309	62	20	the	the	DET
ejif-2309	62	21	usefulness	usefulness	NOUN
ejif-2309	62	22	and	and	CCONJ
ejif-2309	62	23	easiness	easiness	NOUN
ejif-2309	62	24	to	to	PART
ejif-2309	62	25	use	use	VERB
ejif-2309	62	26	ebanking	ebanking	ADJ
ejif-2309	62	27	services	service	NOUN
ejif-2309	62	28	as	as	ADV
ejif-2309	62	29	well	well	ADV
ejif-2309	62	30	as	as	ADP
ejif-2309	62	31	their	their	PRON
ejif-2309	62	32	intention	intention	NOUN
ejif-2309	62	33	to	to	PART
ejif-2309	62	34	adopt	adopt	VERB
ejif-2309	62	35	and/or	and/or	CCONJ
ejif-2309	62	36	continue	continue	VERB
ejif-2309	62	37	using	use	VERB
ejif-2309	62	38	them	they	PRON
ejif-2309	62	39	it	it	PRON
ejif-2309	62	40	in	in	ADP
ejif-2309	62	41	their	their	PRON
ejif-2309	62	42	future	future	ADJ
ejif-2309	62	43	transactions	transaction	NOUN
ejif-2309	62	44	.	.	PUNCT
ejif-2309	63	1	for	for	ADP
ejif-2309	63	2	measuring	measure	VERB
ejif-2309	63	3	this	this	DET
ejif-2309	63	4	information	information	NOUN
ejif-2309	63	5	,	,	PUNCT
ejif-2309	63	6	likert	likert	ADJ
ejif-2309	63	7	type	type	NOUN
ejif-2309	63	8	scaling	scaling	NOUN
ejif-2309	63	9	was	be	AUX
ejif-2309	63	10	used	use	VERB
ejif-2309	63	11	(	(	PUNCT
ejif-2309	63	12	1	1	NUM
ejif-2309	63	13	=	=	PRON
ejif-2309	63	14	strongly	strongly	ADV
ejif-2309	63	15	disagree	disagree	VERB
ejif-2309	63	16	and	and	CCONJ
ejif-2309	63	17	5	5	NUM
ejif-2309	63	18	=	=	PRON
ejif-2309	63	19	strongly	strongly	ADV
ejif-2309	63	20	agree	agree	VERB
ejif-2309	63	21	)	)	PUNCT
ejif-2309	63	22	.	.	PUNCT
ejif-2309	64	1	15	15	NUM
ejif-2309	64	2	items	item	NOUN
ejif-2309	64	3	were	be	AUX
ejif-2309	64	4	listed	list	VERB
ejif-2309	64	5	in	in	ADP
ejif-2309	64	6	this	this	DET
ejif-2309	64	7	section	section	NOUN
ejif-2309	64	8	and	and	CCONJ
ejif-2309	64	9	most	most	ADJ
ejif-2309	64	10	of	of	ADP
ejif-2309	64	11	them	they	PRON
ejif-2309	64	12	were	be	AUX
ejif-2309	64	13	derived	derive	VERB
ejif-2309	64	14	from	from	ADP
ejif-2309	64	15	the	the	DET
ejif-2309	64	16	previous	previous	ADJ
ejif-2309	64	17	studies	study	NOUN
ejif-2309	64	18	conducted	conduct	VERB
ejif-2309	64	19	in	in	ADP
ejif-2309	64	20	other	other	ADJ
ejif-2309	64	21	settings	setting	NOUN
ejif-2309	64	22	as	as	SCONJ
ejif-2309	64	23	highlighted	highlight	VERB
ejif-2309	64	24	above	above	ADV
ejif-2309	64	25	,	,	PUNCT
ejif-2309	64	26	as	as	ADV
ejif-2309	64	27	well	well	ADV
ejif-2309	64	28	as	as	ADP
ejif-2309	64	29	from	from	ADP
ejif-2309	64	30	the	the	DET
ejif-2309	64	31	current	current	ADJ
ejif-2309	64	32	islamic	islamic	ADJ
ejif-2309	64	33	finance	finance	NOUN
ejif-2309	64	34	and	and	CCONJ
ejif-2309	64	35	internet	internet	NOUN
ejif-2309	64	36	banking	banking	NOUN
ejif-2309	64	37	literature	literature	NOUN
ejif-2309	64	38	with	with	ADP
ejif-2309	64	39	the	the	DET
ejif-2309	64	40	necessary	necessary	ADJ
ejif-2309	64	41	adaptations	adaptation	NOUN
ejif-2309	64	42	made	make	VERB
ejif-2309	64	43	for	for	ADP
ejif-2309	64	44	the	the	DET
ejif-2309	64	45	specific	specific	ADJ
ejif-2309	64	46	context	context	NOUN
ejif-2309	64	47	of	of	ADP
ejif-2309	64	48	this	this	DET
ejif-2309	64	49	study	study	NOUN
ejif-2309	64	50	,	,	PUNCT
ejif-2309	64	51	mainly	mainly	ADV
ejif-2309	64	52	from	from	ADP
ejif-2309	64	53	echchabi	echchabi	NOUN
ejif-2309	64	54	and	and	CCONJ
ejif-2309	64	55	abdul	abdul	PROPN
ejif-2309	64	56	aziz	aziz	PROPN
ejif-2309	64	57	(	(	PUNCT
ejif-2309	64	58	2013	2013	NUM
ejif-2309	64	59	)	)	PUNCT
ejif-2309	64	60	and	and	CCONJ
ejif-2309	64	61	echchabi	echchabi	NOUN
ejif-2309	64	62	(	(	PUNCT
ejif-2309	64	63	2011	2011	NUM
ejif-2309	64	64	)	)	PUNCT
ejif-2309	64	65	.	.	PUNCT
ejif-2309	65	1	the	the	DET
ejif-2309	65	2	second	second	ADJ
ejif-2309	65	3	section	section	NOUN
ejif-2309	65	4	of	of	ADP
ejif-2309	65	5	the	the	DET
ejif-2309	65	6	questionnaire	questionnaire	NOUN
ejif-2309	65	7	explored	explore	VERB
ejif-2309	65	8	information	information	NOUN
ejif-2309	65	9	about	about	ADP
ejif-2309	65	10	respondents	respondent	NOUN
ejif-2309	65	11	’	'	PUNCT
ejif-2309	65	12	profile	profile	NOUN
ejif-2309	65	13	,	,	PUNCT
ejif-2309	65	14	i.e.	i.e.	X
ejif-2309	65	15	gender	gender	NOUN
ejif-2309	65	16	,	,	PUNCT
ejif-2309	65	17	age	age	NOUN
ejif-2309	65	18	,	,	PUNCT
ejif-2309	65	19	education	education	NOUN
ejif-2309	65	20	level	level	NOUN
ejif-2309	65	21	,	,	PUNCT
ejif-2309	65	22	etc	etc	X
ejif-2309	65	23	.	.	X
ejif-2309	66	1	the	the	DET
ejif-2309	66	2	questionnaire	questionnaire	NOUN
ejif-2309	66	3	was	be	AUX
ejif-2309	66	4	made	make	VERB
ejif-2309	66	5	in	in	ADP
ejif-2309	66	6	english	english	PROPN
ejif-2309	66	7	and	and	CCONJ
ejif-2309	66	8	was	be	AUX
ejif-2309	66	9	subsequently	subsequently	ADV
ejif-2309	66	10	translated	translate	VERB
ejif-2309	66	11	into	into	ADP
ejif-2309	66	12	thai	thai	ADJ
ejif-2309	66	13	language	language	NOUN
ejif-2309	66	14	and	and	CCONJ
ejif-2309	66	15	distributed	distribute	VERB
ejif-2309	66	16	in	in	ADP
ejif-2309	66	17	both	both	DET
ejif-2309	66	18	versions	version	NOUN
ejif-2309	66	19	.	.	PUNCT
ejif-2309	67	1	the	the	DET
ejif-2309	67	2	collected	collect	VERB
ejif-2309	67	3	data	datum	NOUN
ejif-2309	67	4	were	be	AUX
ejif-2309	67	5	subsequently	subsequently	ADV
ejif-2309	67	6	analysed	analyse	VERB
ejif-2309	67	7	using	use	VERB
ejif-2309	67	8	sem	sem	NOUN
ejif-2309	67	9	and	and	CCONJ
ejif-2309	67	10	one	one	NUM
ejif-2309	67	11	sample	sample	NOUN
ejif-2309	67	12	t	t	NOUN
ejif-2309	67	13	-	-	PUNCT
ejif-2309	67	14	test	test	NOUN
ejif-2309	67	15	.	.	PUNCT
ejif-2309	68	1	the	the	DET
ejif-2309	68	2	choice	choice	NOUN
ejif-2309	68	3	of	of	ADP
ejif-2309	68	4	this	this	DET
ejif-2309	68	5	technique	technique	NOUN
ejif-2309	68	6	was	be	AUX
ejif-2309	68	7	inspired	inspire	VERB
ejif-2309	68	8	by	by	ADP
ejif-2309	68	9	hair	hair	NOUN
ejif-2309	68	10	,	,	PUNCT
ejif-2309	68	11	black	black	ADJ
ejif-2309	68	12	,	,	PUNCT
ejif-2309	68	13	babin	babin	PROPN
ejif-2309	68	14	and	and	CCONJ
ejif-2309	68	15	anderson	anderson	PROPN
ejif-2309	68	16	(	(	PUNCT
ejif-2309	68	17	2010	2010	NUM
ejif-2309	68	18	)	)	PUNCT
ejif-2309	68	19	as	as	ADV
ejif-2309	68	20	well	well	ADV
ejif-2309	68	21	as	as	ADP
ejif-2309	68	22	from	from	ADP
ejif-2309	68	23	similar	similar	ADJ
ejif-2309	68	24	studies	study	NOUN
ejif-2309	68	25	conducted	conduct	VERB
ejif-2309	68	26	in	in	ADP
ejif-2309	68	27	this	this	DET
ejif-2309	68	28	area	area	NOUN
ejif-2309	68	29	.	.	PUNCT
ejif-2309	69	1	it	it	PRON
ejif-2309	69	2	is	be	AUX
ejif-2309	69	3	worth	worth	ADJ
ejif-2309	69	4	mentioning	mention	VERB
ejif-2309	69	5	that	that	SCONJ
ejif-2309	69	6	the	the	DET
ejif-2309	69	7	analysis	analysis	NOUN
ejif-2309	69	8	was	be	AUX
ejif-2309	69	9	performed	perform	VERB
ejif-2309	69	10	using	use	VERB
ejif-2309	69	11	amos	amos	PROPN
ejif-2309	69	12	18	18	NUM
ejif-2309	69	13	and	and	CCONJ
ejif-2309	69	14	spss	spss	PROPN
ejif-2309	69	15	18	18	NUM
ejif-2309	69	16	.	.	PUNCT
ejif-2309	70	1	the	the	DET
ejif-2309	70	2	demographic	demographic	ADJ
ejif-2309	70	3	information	information	NOUN
ejif-2309	70	4	in	in	ADP
ejif-2309	70	5	table	table	NOUN
ejif-2309	70	6	1	1	NUM
ejif-2309	70	7	indicates	indicate	VERB
ejif-2309	70	8	that	that	SCONJ
ejif-2309	70	9	77.4	77.4	NUM
ejif-2309	70	10	per	per	ADP
ejif-2309	70	11	cent	cent	NOUN
ejif-2309	70	12	of	of	ADP
ejif-2309	70	13	the	the	DET
ejif-2309	70	14	respondents	respondent	NOUN
ejif-2309	70	15	are	be	AUX
ejif-2309	70	16	male	male	ADJ
ejif-2309	70	17	,	,	PUNCT
ejif-2309	70	18	while	while	SCONJ
ejif-2309	70	19	22.6	22.6	NUM
ejif-2309	70	20	per	per	ADP
ejif-2309	70	21	cent	cent	NOUN
ejif-2309	70	22	are	be	AUX
ejif-2309	70	23	female	female	ADJ
ejif-2309	70	24	.	.	PUNCT
ejif-2309	71	1	in	in	ADP
ejif-2309	71	2	terms	term	NOUN
ejif-2309	71	3	of	of	ADP
ejif-2309	71	4	age	age	NOUN
ejif-2309	71	5	grouping	grouping	NOUN
ejif-2309	71	6	,	,	PUNCT
ejif-2309	71	7	43.2	43.2	NUM
ejif-2309	71	8	per	per	ADP
ejif-2309	71	9	cent	cent	NOUN
ejif-2309	71	10	of	of	ADP
ejif-2309	71	11	the	the	DET
ejif-2309	71	12	respondents	respondent	NOUN
ejif-2309	71	13	are	be	AUX
ejif-2309	71	14	between	between	ADP
ejif-2309	71	15	20	20	NUM
ejif-2309	71	16	and	and	CCONJ
ejif-2309	71	17	30	30	NUM
ejif-2309	71	18	years	year	NOUN
ejif-2309	71	19	old	old	ADJ
ejif-2309	71	20	,	,	PUNCT
ejif-2309	71	21	31.2	31.2	NUM
ejif-2309	71	22	per	per	ADP
ejif-2309	71	23	cent	cent	NOUN
ejif-2309	71	24	of	of	ADP
ejif-2309	71	25	the	the	DET
ejif-2309	71	26	respondents	respondent	NOUN
ejif-2309	71	27	are	be	AUX
ejif-2309	71	28	aged	age	VERB
ejif-2309	71	29	between	between	ADP
ejif-2309	71	30	31	31	NUM
ejif-2309	71	31	and	and	CCONJ
ejif-2309	71	32	40	40	NUM
ejif-2309	71	33	years	year	NOUN
ejif-2309	71	34	old	old	ADJ
ejif-2309	71	35	,	,	PUNCT
ejif-2309	71	36	13	13	NUM
ejif-2309	71	37	per	per	ADP
ejif-2309	71	38	cent	cent	NOUN
ejif-2309	71	39	are	be	AUX
ejif-2309	71	40	aged	age	VERB
ejif-2309	71	41	between	between	ADP
ejif-2309	71	42	41	41	NUM
ejif-2309	71	43	and	and	CCONJ
ejif-2309	71	44	50	50	NUM
ejif-2309	71	45	years	year	NOUN
ejif-2309	71	46	old	old	ADJ
ejif-2309	71	47	,	,	PUNCT
ejif-2309	71	48	9.2	9.2	NUM
ejif-2309	71	49	per	per	ADP
ejif-2309	71	50	cent	cent	NOUN
ejif-2309	71	51	are	be	AUX
ejif-2309	71	52	less	less	ADJ
ejif-2309	71	53	than	than	ADP
ejif-2309	71	54	20	20	NUM
ejif-2309	71	55	years	year	NOUN
ejif-2309	71	56	old	old	ADJ
ejif-2309	71	57	,	,	PUNCT
ejif-2309	71	58	and	and	CCONJ
ejif-2309	71	59	3.4	3.4	NUM
ejif-2309	71	60	per	per	ADP
ejif-2309	71	61	cent	cent	NOUN
ejif-2309	71	62	of	of	ADP
ejif-2309	71	63	the	the	DET
ejif-2309	71	64	respondents	respondent	NOUN
ejif-2309	71	65	are	be	AUX
ejif-2309	71	66	above	above	ADP
ejif-2309	71	67	50	50	NUM
ejif-2309	71	68	years	year	NOUN
ejif-2309	71	69	of	of	ADP
ejif-2309	71	70	age	age	NOUN
ejif-2309	71	71	.	.	PUNCT
ejif-2309	72	1	regarding	regard	VERB
ejif-2309	72	2	the	the	DET
ejif-2309	72	3	level	level	NOUN
ejif-2309	72	4	of	of	ADP
ejif-2309	72	5	education	education	NOUN
ejif-2309	72	6	,	,	PUNCT
ejif-2309	72	7	around	around	ADP
ejif-2309	72	8	51.4	51.4	NUM
ejif-2309	72	9	per	per	NOUN
ejif-2309	72	10	cent	cent	NOUN
ejif-2309	72	11	are	be	AUX
ejif-2309	72	12	bachelor	bachelor	NOUN
ejif-2309	72	13	’s	’s	NOUN
ejif-2309	72	14	degree	degree	NOUN
ejif-2309	72	15	holders	holder	NOUN
ejif-2309	72	16	,	,	PUNCT
ejif-2309	72	17	23.6	23.6	NUM
ejif-2309	72	18	per	per	ADP
ejif-2309	72	19	cent	cent	NOUN
ejif-2309	72	20	are	be	AUX
ejif-2309	72	21	holding	hold	VERB
ejif-2309	72	22	high	high	ADJ
ejif-2309	72	23	school	school	NOUN
ejif-2309	72	24	certificates	certificate	NOUN
ejif-2309	72	25	,	,	PUNCT
ejif-2309	72	26	13.6	13.6	NUM
ejif-2309	72	27	per	per	ADP
ejif-2309	72	28	cent	cent	NOUN
ejif-2309	72	29	are	be	AUX
ejif-2309	72	30	holding	hold	VERB
ejif-2309	72	31	postgraduate	postgraduate	NOUN
ejif-2309	72	32	degrees	degree	NOUN
ejif-2309	72	33	,	,	PUNCT
ejif-2309	72	34	6.2	6.2	NUM
ejif-2309	72	35	per	per	ADP
ejif-2309	72	36	cent	cent	NOUN
ejif-2309	72	37	are	be	AUX
ejif-2309	72	38	holding	hold	VERB
ejif-2309	72	39	diploma	diploma	NOUN
ejif-2309	72	40	,	,	PUNCT
ejif-2309	72	41	and	and	CCONJ
ejif-2309	72	42	5.2	5.2	NUM
ejif-2309	72	43	per	per	NOUN
ejif-2309	72	44	cent	cent	NOUN
ejif-2309	72	45	are	be	AUX
ejif-2309	72	46	ejif	ejif	NOUN
ejif-2309	72	47	–	–	PUNCT
ejif-2309	72	48	european	european	ADJ
ejif-2309	72	49	journal	journal	PROPN
ejif-2309	72	50	of	of	ADP
ejif-2309	72	51	islamic	islamic	PROPN
ejif-2309	72	52	finance	finance	NOUN
ejif-2309	72	53	no	no	DET
ejif-2309	72	54	9	9	NUM
ejif-2309	72	55	,	,	PUNCT
ejif-2309	72	56	april	april	PROPN
ejif-2309	72	57	(	(	PUNCT
ejif-2309	72	58	2018	2018	NUM
ejif-2309	72	59	)	)	PUNCT
ejif-2309	73	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2309	73	2	issn	issn	VERB
ejif-2309	73	3	2421	2421	NUM
ejif-2309	73	4	-	-	SYM
ejif-2309	73	5	2172	2172	NUM
ejif-2309	73	6	3	3	NUM
ejif-2309	73	7	holding	hold	VERB
ejif-2309	73	8	professional	professional	ADJ
ejif-2309	73	9	degrees	degree	NOUN
ejif-2309	73	10	.	.	PUNCT
ejif-2309	74	1	in	in	ADP
ejif-2309	74	2	terms	term	NOUN
ejif-2309	74	3	of	of	ADP
ejif-2309	74	4	occupation	occupation	NOUN
ejif-2309	74	5	,	,	PUNCT
ejif-2309	74	6	51.2	51.2	NUM
ejif-2309	74	7	per	per	ADP
ejif-2309	74	8	cent	cent	NOUN
ejif-2309	74	9	of	of	ADP
ejif-2309	74	10	the	the	DET
ejif-2309	74	11	respondents	respondent	NOUN
ejif-2309	74	12	are	be	AUX
ejif-2309	74	13	employed	employ	VERB
ejif-2309	74	14	in	in	ADP
ejif-2309	74	15	the	the	DET
ejif-2309	74	16	private	private	ADJ
ejif-2309	74	17	sector	sector	NOUN
ejif-2309	74	18	,	,	PUNCT
ejif-2309	74	19	21.6	21.6	NUM
ejif-2309	74	20	per	per	ADP
ejif-2309	74	21	cent	cent	NOUN
ejif-2309	74	22	are	be	AUX
ejif-2309	74	23	self	self	NOUN
ejif-2309	74	24	-	-	PUNCT
ejif-2309	74	25	employed	employ	VERB
ejif-2309	74	26	,	,	PUNCT
ejif-2309	74	27	16.8	16.8	NUM
ejif-2309	74	28	per	per	ADP
ejif-2309	74	29	cent	cent	NOUN
ejif-2309	74	30	are	be	AUX
ejif-2309	74	31	students	student	NOUN
ejif-2309	74	32	,	,	PUNCT
ejif-2309	74	33	and	and	CCONJ
ejif-2309	74	34	10.4	10.4	NUM
ejif-2309	74	35	per	per	ADP
ejif-2309	74	36	cent	cent	NOUN
ejif-2309	74	37	of	of	ADP
ejif-2309	74	38	the	the	DET
ejif-2309	74	39	respondents	respondent	NOUN
ejif-2309	74	40	are	be	AUX
ejif-2309	74	41	employed	employ	VERB
ejif-2309	74	42	with	with	ADP
ejif-2309	74	43	the	the	DET
ejif-2309	74	44	public	public	ADJ
ejif-2309	74	45	sector	sector	NOUN
ejif-2309	74	46	.	.	PUNCT
ejif-2309	75	1	table	table	NOUN
ejif-2309	76	1	i	i	PRON
ejif-2309	76	2	:	:	PUNCT
ejif-2309	76	3	profile	profile	VERB
ejif-2309	76	4	analysis	analysis	NOUN
ejif-2309	76	5	demographics	demographic	NOUN
ejif-2309	76	6	categories	category	NOUN
ejif-2309	76	7	percentage	percentage	NOUN
ejif-2309	76	8	gender	gender	NOUN
ejif-2309	76	9	male	male	NOUN
ejif-2309	76	10	77.4	77.4	NUM
ejif-2309	76	11	female	female	NOUN
ejif-2309	76	12	22.6	22.6	NUM
ejif-2309	76	13	age	age	NOUN
ejif-2309	76	14	less	less	ADJ
ejif-2309	76	15	than	than	ADP
ejif-2309	76	16	20	20	NUM
ejif-2309	76	17	years	year	NOUN
ejif-2309	76	18	9.2	9.2	NUM
ejif-2309	76	19	20	20	NUM
ejif-2309	76	20	to	to	PART
ejif-2309	76	21	30	30	NUM
ejif-2309	76	22	years	year	NOUN
ejif-2309	76	23	43.2	43.2	NUM
ejif-2309	76	24	31	31	NUM
ejif-2309	76	25	to	to	PART
ejif-2309	76	26	40	40	NUM
ejif-2309	76	27	years	year	NOUN
ejif-2309	76	28	31.2	31.2	NUM
ejif-2309	76	29	41	41	NUM
ejif-2309	76	30	to	to	PART
ejif-2309	76	31	50	50	NUM
ejif-2309	76	32	years	year	NOUN
ejif-2309	76	33	13	13	NUM
ejif-2309	76	34	more	more	ADJ
ejif-2309	76	35	than	than	ADP
ejif-2309	76	36	50	50	NUM
ejif-2309	76	37	years	year	NOUN
ejif-2309	76	38	3.4	3.4	NUM
ejif-2309	76	39	education	education	NOUN
ejif-2309	76	40	level	level	NOUN
ejif-2309	76	41	high	high	ADJ
ejif-2309	76	42	school	school	NOUN
ejif-2309	76	43	certificate	certificate	NOUN
ejif-2309	76	44	23.6	23.6	NUM
ejif-2309	76	45	diploma	diploma	NOUN
ejif-2309	76	46	6.2	6.2	NUM
ejif-2309	76	47	professional	professional	ADJ
ejif-2309	76	48	degree	degree	NOUN
ejif-2309	76	49	5.2	5.2	NUM
ejif-2309	76	50	bachelor	bachelor	NOUN
ejif-2309	76	51	’s	’s	PART
ejif-2309	76	52	degree	degree	NOUN
ejif-2309	76	53	51.4	51.4	NUM
ejif-2309	76	54	postgraduate	postgraduate	NOUN
ejif-2309	76	55	degrees	degree	VERB
ejif-2309	76	56	13.6	13.6	NUM
ejif-2309	76	57	occupation	occupation	NOUN
ejif-2309	76	58	public	public	ADJ
ejif-2309	76	59	sector	sector	NOUN
ejif-2309	76	60	10.4	10.4	NUM
ejif-2309	76	61	private	private	ADJ
ejif-2309	76	62	sector	sector	NOUN
ejif-2309	76	63	51.2	51.2	NUM
ejif-2309	76	64	self	self	NOUN
ejif-2309	76	65	-	-	PUNCT
ejif-2309	76	66	employed	employ	VERB
ejif-2309	76	67	21.6	21.6	NUM
ejif-2309	76	68	student	student	NOUN
ejif-2309	76	69	16.8	16.8	NUM
ejif-2309	76	70	iv	iv	NOUN
ejif-2309	76	71	.	.	PUNCT
ejif-2309	77	1	results	result	NOUN
ejif-2309	77	2	a.	a.	NOUN
ejif-2309	77	3	reliability	reliability	NOUN
ejif-2309	77	4	and	and	CCONJ
ejif-2309	77	5	validity	validity	NOUN
ejif-2309	77	6	measures	measure	NOUN
ejif-2309	77	7	prior	prior	ADV
ejif-2309	77	8	to	to	ADP
ejif-2309	77	9	the	the	DET
ejif-2309	77	10	structural	structural	ADJ
ejif-2309	77	11	model	model	NOUN
ejif-2309	77	12	estimation	estimation	NOUN
ejif-2309	77	13	through	through	ADP
ejif-2309	77	14	(	(	PUNCT
ejif-2309	77	15	sem	sem	NOUN
ejif-2309	77	16	)	)	PUNCT
ejif-2309	77	17	,	,	PUNCT
ejif-2309	77	18	a	a	DET
ejif-2309	77	19	basic	basic	ADJ
ejif-2309	77	20	requirement	requirement	NOUN
ejif-2309	77	21	is	be	AUX
ejif-2309	77	22	the	the	DET
ejif-2309	77	23	analysis	analysis	NOUN
ejif-2309	77	24	of	of	ADP
ejif-2309	77	25	the	the	DET
ejif-2309	77	26	model	model	NOUN
ejif-2309	77	27	’s	’s	PART
ejif-2309	77	28	validity	validity	NOUN
ejif-2309	77	29	.	.	PUNCT
ejif-2309	78	1	the	the	DET
ejif-2309	78	2	latter	latter	ADJ
ejif-2309	78	3	is	be	AUX
ejif-2309	78	4	made	make	VERB
ejif-2309	78	5	of	of	ADP
ejif-2309	78	6	four	four	NUM
ejif-2309	78	7	main	main	ADJ
ejif-2309	78	8	elements	element	NOUN
ejif-2309	78	9	,	,	PUNCT
ejif-2309	78	10	namely	namely	ADV
ejif-2309	78	11	,	,	PUNCT
ejif-2309	78	12	convergent	convergent	ADJ
ejif-2309	78	13	validity	validity	NOUN
ejif-2309	78	14	,	,	PUNCT
ejif-2309	78	15	discriminant	discriminant	ADJ
ejif-2309	78	16	validity	validity	NOUN
ejif-2309	78	17	,	,	PUNCT
ejif-2309	78	18	face	face	VERB
ejif-2309	78	19	validity	validity	NOUN
ejif-2309	78	20	,	,	PUNCT
ejif-2309	78	21	and	and	CCONJ
ejif-2309	78	22	nomological	nomological	ADJ
ejif-2309	78	23	validity	validity	NOUN
ejif-2309	78	24	.	.	PUNCT
ejif-2309	79	1	convergent	convergent	ADJ
ejif-2309	79	2	validity	validity	NOUN
ejif-2309	79	3	refers	refer	VERB
ejif-2309	79	4	to	to	ADP
ejif-2309	79	5	the	the	DET
ejif-2309	79	6	requirement	requirement	NOUN
ejif-2309	79	7	that	that	SCONJ
ejif-2309	79	8	the	the	DET
ejif-2309	79	9	items	item	NOUN
ejif-2309	79	10	measuring	measure	VERB
ejif-2309	79	11	a	a	DET
ejif-2309	79	12	given	give	VERB
ejif-2309	79	13	construct	construct	NOUN
ejif-2309	79	14	should	should	AUX
ejif-2309	79	15	share	share	VERB
ejif-2309	79	16	a	a	DET
ejif-2309	79	17	high	high	ADJ
ejif-2309	79	18	proportion	proportion	NOUN
ejif-2309	79	19	of	of	ADP
ejif-2309	79	20	common	common	ADJ
ejif-2309	79	21	variance	variance	NOUN
ejif-2309	79	22	.	.	PUNCT
ejif-2309	80	1	there	there	PRON
ejif-2309	80	2	are	be	VERB
ejif-2309	80	3	several	several	ADJ
ejif-2309	80	4	tools	tool	NOUN
ejif-2309	80	5	to	to	PART
ejif-2309	80	6	assess	assess	VERB
ejif-2309	80	7	convergent	convergent	NOUN
ejif-2309	80	8	validity	validity	NOUN
ejif-2309	80	9	,	,	PUNCT
ejif-2309	80	10	including	include	VERB
ejif-2309	80	11	average	average	ADJ
ejif-2309	80	12	variance	variance	NOUN
ejif-2309	80	13	extracted	extract	VERB
ejif-2309	80	14	(	(	PUNCT
ejif-2309	80	15	ave	ave	NOUN
ejif-2309	80	16	)	)	PUNCT
ejif-2309	80	17	,	,	PUNCT
ejif-2309	80	18	factor	factor	NOUN
ejif-2309	80	19	loadings	loading	NOUN
ejif-2309	80	20	,	,	PUNCT
ejif-2309	80	21	as	as	ADV
ejif-2309	80	22	well	well	ADV
ejif-2309	80	23	as	as	ADP
ejif-2309	80	24	reliability	reliability	NOUN
ejif-2309	80	25	measures	measure	NOUN
ejif-2309	80	26	(	(	PUNCT
ejif-2309	80	27	cronbach	cronbach	VERB
ejif-2309	80	28	alpha	alpha	NOUN
ejif-2309	80	29	for	for	ADP
ejif-2309	80	30	this	this	DET
ejif-2309	80	31	study	study	NOUN
ejif-2309	80	32	)	)	PUNCT
ejif-2309	80	33	(	(	PUNCT
ejif-2309	80	34	hair	hair	NOUN
ejif-2309	80	35	et	et	PROPN
ejif-2309	80	36	al	al	PROPN
ejif-2309	80	37	.	.	PROPN
ejif-2309	80	38	,	,	PUNCT
ejif-2309	80	39	2010	2010	NUM
ejif-2309	80	40	)	)	PUNCT
ejif-2309	80	41	.	.	PUNCT
ejif-2309	81	1	accordingly	accordingly	ADV
ejif-2309	81	2	,	,	PUNCT
ejif-2309	81	3	it	it	PRON
ejif-2309	81	4	is	be	AUX
ejif-2309	81	5	suggested	suggest	VERB
ejif-2309	81	6	that	that	SCONJ
ejif-2309	81	7	a	a	DET
ejif-2309	81	8	cronbach	cronbach	ADJ
ejif-2309	81	9	alpha	alpha	NOUN
ejif-2309	81	10	greater	great	ADJ
ejif-2309	81	11	or	or	CCONJ
ejif-2309	81	12	equal	equal	ADJ
ejif-2309	81	13	to	to	ADP
ejif-2309	81	14	0.6	0.6	NUM
ejif-2309	81	15	is	be	AUX
ejif-2309	81	16	acceptable	acceptable	ADJ
ejif-2309	81	17	,	,	PUNCT
ejif-2309	81	18	similarly	similarly	ADV
ejif-2309	81	19	,	,	PUNCT
ejif-2309	81	20	an	an	DET
ejif-2309	81	21	acceptable	acceptable	ADJ
ejif-2309	81	22	level	level	NOUN
ejif-2309	81	23	of	of	ADP
ejif-2309	81	24	ave	ave	NOUN
ejif-2309	81	25	and	and	CCONJ
ejif-2309	81	26	factor	factor	NOUN
ejif-2309	81	27	loadings	loading	NOUN
ejif-2309	81	28	should	should	AUX
ejif-2309	81	29	be	be	AUX
ejif-2309	81	30	0.5	0.5	NUM
ejif-2309	81	31	and	and	CCONJ
ejif-2309	81	32	above	above	ADV
ejif-2309	81	33	.	.	PUNCT
ejif-2309	82	1	in	in	ADP
ejif-2309	82	2	this	this	DET
ejif-2309	82	3	regard	regard	NOUN
ejif-2309	82	4	,	,	PUNCT
ejif-2309	82	5	table	table	NOUN
ejif-2309	82	6	2	2	NUM
ejif-2309	82	7	shows	show	VERB
ejif-2309	82	8	that	that	SCONJ
ejif-2309	82	9	the	the	DET
ejif-2309	82	10	cronbach	cronbach	ADJ
ejif-2309	82	11	alpha	alpha	NOUN
ejif-2309	82	12	values	value	NOUN
ejif-2309	82	13	are	be	AUX
ejif-2309	82	14	ranging	range	VERB
ejif-2309	82	15	between	between	ADP
ejif-2309	82	16	0.73	0.73	NUM
ejif-2309	82	17	and	and	CCONJ
ejif-2309	82	18	0.84	0.84	NUM
ejif-2309	82	19	.	.	PUNCT
ejif-2309	83	1	furthermore	furthermore	ADV
ejif-2309	83	2	,	,	PUNCT
ejif-2309	83	3	the	the	DET
ejif-2309	83	4	ave	ave	PROPN
ejif-2309	83	5	values	value	NOUN
ejif-2309	83	6	range	range	VERB
ejif-2309	83	7	between	between	ADP
ejif-2309	83	8	0.55	0.55	NUM
ejif-2309	83	9	and	and	CCONJ
ejif-2309	83	10	0.6	0.6	NUM
ejif-2309	83	11	.	.	PUNCT
ejif-2309	84	1	hence	hence	ADV
ejif-2309	84	2	,	,	PUNCT
ejif-2309	84	3	all	all	DET
ejif-2309	84	4	the	the	DET
ejif-2309	84	5	requirements	requirement	NOUN
ejif-2309	84	6	for	for	ADP
ejif-2309	84	7	convergent	convergent	NOUN
ejif-2309	84	8	validity	validity	NOUN
ejif-2309	84	9	are	be	AUX
ejif-2309	84	10	met	meet	VERB
ejif-2309	84	11	,	,	PUNCT
ejif-2309	84	12	since	since	SCONJ
ejif-2309	84	13	all	all	DET
ejif-2309	84	14	the	the	DET
ejif-2309	84	15	factor	factor	NOUN
ejif-2309	84	16	loadings	loading	NOUN
ejif-2309	84	17	are	be	AUX
ejif-2309	84	18	also	also	ADV
ejif-2309	84	19	greater	great	ADJ
ejif-2309	84	20	than	than	ADP
ejif-2309	84	21	0.5	0.5	NUM
ejif-2309	84	22	.	.	PUNCT
ejif-2309	85	1	thus	thus	ADV
ejif-2309	85	2	,	,	PUNCT
ejif-2309	85	3	convergent	convergent	ADJ
ejif-2309	85	4	validity	validity	NOUN
ejif-2309	85	5	is	be	AUX
ejif-2309	85	6	achieved	achieve	VERB
ejif-2309	85	7	in	in	ADP
ejif-2309	85	8	this	this	DET
ejif-2309	85	9	model	model	NOUN
ejif-2309	85	10	.	.	PUNCT
ejif-2309	86	1	table	table	PROPN
ejif-2309	86	2	ii	ii	PROPN
ejif-2309	86	3	:	:	PUNCT
ejif-2309	86	4	convergent	convergent	NOUN
ejif-2309	86	5	validity	validity	NOUN
ejif-2309	86	6	measures	measure	NOUN
ejif-2309	86	7	constructs	construct	VERB
ejif-2309	86	8	cronbach	cronbach	VERB
ejif-2309	86	9	alpha	alpha	PROPN
ejif-2309	86	10	ave	ave	PROPN
ejif-2309	86	11	perceived	perceive	VERB
ejif-2309	86	12	usefulness	usefulness	NOUN
ejif-2309	86	13	0.74	0.74	NUM
ejif-2309	86	14	0.55	0.55	NUM
ejif-2309	86	15	perceived	perceive	VERB
ejif-2309	86	16	ease	ease	NOUN
ejif-2309	86	17	of	of	ADP
ejif-2309	86	18	use	use	NOUN
ejif-2309	86	19	0.73	0.73	NUM
ejif-2309	86	20	0.58	0.58	NUM
ejif-2309	86	21	behavioural	behavioural	ADJ
ejif-2309	86	22	intention	intention	NOUN
ejif-2309	86	23	0.84	0.84	NUM
ejif-2309	86	24	0.6	0.6	NUM
ejif-2309	86	25	in	in	ADP
ejif-2309	86	26	addition	addition	NOUN
ejif-2309	86	27	,	,	PUNCT
ejif-2309	86	28	discriminant	discriminant	ADJ
ejif-2309	86	29	validity	validity	NOUN
ejif-2309	86	30	refers	refer	VERB
ejif-2309	86	31	to	to	ADP
ejif-2309	86	32	the	the	DET
ejif-2309	86	33	requirement	requirement	NOUN
ejif-2309	86	34	that	that	SCONJ
ejif-2309	86	35	each	each	DET
ejif-2309	86	36	construct	construct	NOUN
ejif-2309	86	37	in	in	ADP
ejif-2309	86	38	the	the	DET
ejif-2309	86	39	model	model	NOUN
ejif-2309	86	40	is	be	AUX
ejif-2309	86	41	distinct	distinct	ADJ
ejif-2309	86	42	from	from	ADP
ejif-2309	86	43	the	the	DET
ejif-2309	86	44	remaining	remain	VERB
ejif-2309	86	45	constructs	construct	NOUN
ejif-2309	86	46	.	.	PUNCT
ejif-2309	87	1	there	there	PRON
ejif-2309	87	2	are	be	VERB
ejif-2309	87	3	different	different	ADJ
ejif-2309	87	4	ways	way	NOUN
ejif-2309	87	5	to	to	PART
ejif-2309	87	6	assess	assess	VERB
ejif-2309	87	7	discriminant	discriminant	ADJ
ejif-2309	87	8	validity	validity	NOUN
ejif-2309	87	9	.	.	PUNCT
ejif-2309	88	1	in	in	ADP
ejif-2309	88	2	this	this	DET
ejif-2309	88	3	study	study	NOUN
ejif-2309	88	4	the	the	DET
ejif-2309	88	5	correlation	correlation	NOUN
ejif-2309	88	6	between	between	ADP
ejif-2309	88	7	constructs	construct	NOUN
ejif-2309	88	8	will	will	AUX
ejif-2309	88	9	be	be	AUX
ejif-2309	88	10	fixed	fix	VERB
ejif-2309	88	11	to	to	ADP
ejif-2309	88	12	1	1	NUM
ejif-2309	88	13	and	and	CCONJ
ejif-2309	88	14	the	the	DET
ejif-2309	88	15	fit	fit	ADJ
ejif-2309	88	16	indices	index	NOUN
ejif-2309	88	17	for	for	ADP
ejif-2309	88	18	the	the	DET
ejif-2309	88	19	baseline	baseline	NOUN
ejif-2309	88	20	and	and	CCONJ
ejif-2309	88	21	restricted	restricted	ADJ
ejif-2309	88	22	models	model	NOUN
ejif-2309	88	23	will	will	AUX
ejif-2309	88	24	then	then	ADV
ejif-2309	88	25	be	be	AUX
ejif-2309	88	26	compared	compare	VERB
ejif-2309	88	27	.	.	PUNCT
ejif-2309	89	1	at	at	ADP
ejif-2309	89	2	this	this	DET
ejif-2309	89	3	level	level	NOUN
ejif-2309	89	4	,	,	PUNCT
ejif-2309	89	5	discriminant	discriminant	ADJ
ejif-2309	89	6	validity	validity	NOUN
ejif-2309	89	7	is	be	AUX
ejif-2309	89	8	achieved	achieve	VERB
ejif-2309	89	9	if	if	SCONJ
ejif-2309	89	10	the	the	DET
ejif-2309	89	11	difference	difference	NOUN
ejif-2309	89	12	in	in	ADP
ejif-2309	89	13	fit	fit	ADJ
ejif-2309	89	14	indices	index	NOUN
ejif-2309	89	15	between	between	ADP
ejif-2309	89	16	the	the	DET
ejif-2309	89	17	two	two	NUM
ejif-2309	89	18	models	model	NOUN
ejif-2309	89	19	is	be	AUX
ejif-2309	89	20	significant	significant	ADJ
ejif-2309	89	21	.	.	PUNCT
ejif-2309	90	1	in	in	ADP
ejif-2309	90	2	this	this	DET
ejif-2309	90	3	regard	regard	NOUN
ejif-2309	90	4	,	,	PUNCT
ejif-2309	90	5	the	the	DET
ejif-2309	90	6	results	result	NOUN
ejif-2309	90	7	in	in	ADP
ejif-2309	90	8	table	table	NOUN
ejif-2309	90	9	3	3	NUM
ejif-2309	90	10	show	show	VERB
ejif-2309	90	11	a	a	DET
ejif-2309	90	12	chi	chi	ADJ
ejif-2309	90	13	square	square	ADJ
ejif-2309	90	14	value	value	NOUN
ejif-2309	90	15	of	of	ADP
ejif-2309	90	16	179.03	179.03	NUM
ejif-2309	90	17	and	and	CCONJ
ejif-2309	90	18	85	85	NUM
ejif-2309	90	19	degrees	degree	NOUN
ejif-2309	90	20	of	of	ADP
ejif-2309	90	21	freedom	freedom	NOUN
ejif-2309	90	22	for	for	ADP
ejif-2309	90	23	the	the	DET
ejif-2309	90	24	baseline	baseline	NOUN
ejif-2309	90	25	model	model	NOUN
ejif-2309	90	26	,	,	PUNCT
ejif-2309	90	27	and	and	CCONJ
ejif-2309	90	28	a	a	DET
ejif-2309	90	29	chi	chi	ADJ
ejif-2309	90	30	square	square	ADJ
ejif-2309	90	31	value	value	NOUN
ejif-2309	90	32	of	of	ADP
ejif-2309	90	33	387.42	387.42	NUM
ejif-2309	90	34	and	and	CCONJ
ejif-2309	90	35	88	88	NUM
ejif-2309	90	36	degrees	degree	NOUN
ejif-2309	90	37	of	of	ADP
ejif-2309	90	38	freedom	freedom	NOUN
ejif-2309	90	39	for	for	ADP
ejif-2309	90	40	the	the	DET
ejif-2309	90	41	restricted	restrict	VERB
ejif-2309	90	42	models	model	NOUN
ejif-2309	90	43	.	.	PUNCT
ejif-2309	91	1	this	this	PRON
ejif-2309	91	2	amounts	amount	VERB
ejif-2309	91	3	to	to	ADP
ejif-2309	91	4	a	a	DET
ejif-2309	91	5	chi	chi	ADJ
ejif-2309	91	6	square	square	ADJ
ejif-2309	91	7	difference	difference	NOUN
ejif-2309	91	8	of	of	ADP
ejif-2309	91	9	208.39	208.39	NUM
ejif-2309	91	10	and	and	CCONJ
ejif-2309	91	11	degrees	degree	NOUN
ejif-2309	91	12	of	of	ADP
ejif-2309	91	13	freedom	freedom	NOUN
ejif-2309	91	14	difference	difference	NOUN
ejif-2309	91	15	of	of	ADP
ejif-2309	91	16	10	10	NUM
ejif-2309	91	17	.	.	PUNCT
ejif-2309	92	1	by	by	ADP
ejif-2309	92	2	comparing	compare	VERB
ejif-2309	92	3	the	the	DET
ejif-2309	92	4	chi	chi	ADJ
ejif-2309	92	5	square	square	ADJ
ejif-2309	92	6	difference	difference	NOUN
ejif-2309	92	7	with	with	ADP
ejif-2309	92	8	the	the	DET
ejif-2309	92	9	tabulated	tabulate	VERB
ejif-2309	92	10	chi	chi	ADJ
ejif-2309	92	11	square	square	ADJ
ejif-2309	92	12	value	value	NOUN
ejif-2309	92	13	corresponding	correspond	VERB
ejif-2309	92	14	to	to	ADP
ejif-2309	92	15	a	a	DET
ejif-2309	92	16	degree	degree	NOUN
ejif-2309	92	17	of	of	ADP
ejif-2309	92	18	freedom	freedom	NOUN
ejif-2309	92	19	of	of	ADP
ejif-2309	92	20	3	3	NUM
ejif-2309	92	21	and	and	CCONJ
ejif-2309	92	22	a	a	DET
ejif-2309	92	23	confidence	confidence	NOUN
ejif-2309	92	24	margin	margin	NOUN
ejif-2309	92	25	of	of	ADP
ejif-2309	92	26	0.05	0.05	NUM
ejif-2309	92	27	,	,	PUNCT
ejif-2309	92	28	namely	namely	ADV
ejif-2309	92	29	,	,	PUNCT
ejif-2309	92	30	7.81	7.81	NUM
ejif-2309	92	31	,	,	PUNCT
ejif-2309	92	32	it	it	PRON
ejif-2309	92	33	can	can	AUX
ejif-2309	92	34	be	be	AUX
ejif-2309	92	35	concluded	conclude	VERB
ejif-2309	92	36	that	that	SCONJ
ejif-2309	92	37	the	the	DET
ejif-2309	92	38	fit	fit	ADJ
ejif-2309	92	39	indices	index	NOUN
ejif-2309	92	40	for	for	ADP
ejif-2309	92	41	the	the	DET
ejif-2309	92	42	baseline	baseline	NOUN
ejif-2309	92	43	and	and	CCONJ
ejif-2309	92	44	restricted	restricted	ADJ
ejif-2309	92	45	model	model	NOUN
ejif-2309	92	46	are	be	AUX
ejif-2309	92	47	significantly	significantly	ADV
ejif-2309	92	48	different	different	ADJ
ejif-2309	92	49	.	.	PUNCT
ejif-2309	93	1	hence	hence	ADV
ejif-2309	93	2	,	,	PUNCT
ejif-2309	93	3	discriminant	discriminant	ADJ
ejif-2309	93	4	validity	validity	NOUN
ejif-2309	93	5	is	be	AUX
ejif-2309	93	6	achieved	achieve	VERB
ejif-2309	93	7	by	by	ADP
ejif-2309	93	8	this	this	DET
ejif-2309	93	9	model	model	NOUN
ejif-2309	93	10	.	.	PUNCT
ejif-2309	94	1	beside	beside	ADP
ejif-2309	94	2	these	these	DET
ejif-2309	94	3	two	two	NUM
ejif-2309	94	4	validity	validity	NOUN
ejif-2309	94	5	measures	measure	NOUN
ejif-2309	94	6	,	,	PUNCT
ejif-2309	94	7	face	face	VERB
ejif-2309	94	8	validity	validity	NOUN
ejif-2309	94	9	and	and	CCONJ
ejif-2309	94	10	nomological	nomological	ADJ
ejif-2309	94	11	validity	validity	NOUN
ejif-2309	94	12	were	be	AUX
ejif-2309	94	13	also	also	ADV
ejif-2309	94	14	analysed	analyse	VERB
ejif-2309	94	15	by	by	ADP
ejif-2309	94	16	consulting	consult	VERB
ejif-2309	94	17	the	the	DET
ejif-2309	94	18	experts	expert	NOUN
ejif-2309	94	19	in	in	ADP
ejif-2309	94	20	this	this	DET
ejif-2309	94	21	field	field	NOUN
ejif-2309	94	22	,	,	PUNCT
ejif-2309	94	23	as	as	ADV
ejif-2309	94	24	well	well	ADV
ejif-2309	94	25	as	as	ADP
ejif-2309	94	26	the	the	DET
ejif-2309	94	27	previous	previous	ADJ
ejif-2309	94	28	studies	study	NOUN
ejif-2309	94	29	.	.	PUNCT
ejif-2309	95	1	table	table	NOUN
ejif-2309	95	2	iii	iii	PROPN
ejif-2309	95	3	:	:	PUNCT
ejif-2309	95	4	discriminant	discriminant	ADJ
ejif-2309	95	5	validity	validity	NOUN
ejif-2309	95	6	measures	measure	VERB
ejif-2309	95	7	elements	element	NOUN
ejif-2309	95	8	chi	chi	PROPN
ejif-2309	95	9	square	square	PROPN
ejif-2309	95	10	df	df	PROPN
ejif-2309	95	11	baseline	baseline	PROPN
ejif-2309	95	12	model	model	NOUN
ejif-2309	95	13	179.03	179.03	NUM
ejif-2309	95	14	85	85	NUM
ejif-2309	95	15	restricted	restrict	VERB
ejif-2309	95	16	model	model	NOUN
ejif-2309	95	17	387.42	387.42	NUM
ejif-2309	95	18	88	88	NUM
ejif-2309	95	19	change	change	NOUN
ejif-2309	95	20	208.39	208.39	NUM
ejif-2309	95	21	3	3	NUM
ejif-2309	95	22	finally	finally	ADV
ejif-2309	95	23	,	,	PUNCT
ejif-2309	95	24	the	the	DET
ejif-2309	95	25	results	result	NOUN
ejif-2309	95	26	indicate	indicate	VERB
ejif-2309	95	27	that	that	SCONJ
ejif-2309	95	28	the	the	DET
ejif-2309	95	29	model	model	NOUN
ejif-2309	95	30	’s	’s	PART
ejif-2309	95	31	comparative	comparative	ADJ
ejif-2309	95	32	fit	fit	ADJ
ejif-2309	95	33	index	index	NOUN
ejif-2309	95	34	(	(	PUNCT
ejif-2309	95	35	cfi	cfi	PROPN
ejif-2309	95	36	)	)	PUNCT
ejif-2309	95	37	is	be	AUX
ejif-2309	95	38	0.965	0.965	NUM
ejif-2309	95	39	and	and	CCONJ
ejif-2309	95	40	rmsea	rmsea	NOUN
ejif-2309	95	41	value	value	NOUN
ejif-2309	95	42	is	be	AUX
ejif-2309	95	43	0.046	0.046	NUM
ejif-2309	95	44	.	.	PUNCT
ejif-2309	96	1	these	these	DET
ejif-2309	96	2	values	value	NOUN
ejif-2309	96	3	are	be	AUX
ejif-2309	96	4	acceptable	acceptable	ADJ
ejif-2309	96	5	values	value	NOUN
ejif-2309	96	6	for	for	ADP
ejif-2309	96	7	both	both	DET
ejif-2309	96	8	indicators	indicator	NOUN
ejif-2309	96	9	(	(	PUNCT
ejif-2309	96	10	broyles	broyle	NOUN
ejif-2309	96	11	,	,	PUNCT
ejif-2309	96	12	leingpibul	leingpibul	PROPN
ejif-2309	96	13	,	,	PUNCT
ejif-2309	96	14	ross	ross	PROPN
ejif-2309	96	15	and	and	CCONJ
ejif-2309	96	16	foster	foster	PROPN
ejif-2309	96	17	,	,	PUNCT
ejif-2309	96	18	2010	2010	NUM
ejif-2309	96	19	;	;	PUNCT
ejif-2309	96	20	singh	singh	PROPN
ejif-2309	96	21	,	,	PUNCT
ejif-2309	96	22	sandhu	sandhu	PROPN
ejif-2309	96	23	,	,	PUNCT
ejif-2309	96	24	metri	metri	PROPN
ejif-2309	96	25	and	and	CCONJ
ejif-2309	96	26	kaur	kaur	PROPN
ejif-2309	96	27	,	,	PUNCT
ejif-2309	96	28	2011	2011	NUM
ejif-2309	96	29	;	;	PUNCT
ejif-2309	96	30	kim	kim	PROPN
ejif-2309	96	31	and	and	CCONJ
ejif-2309	96	32	forsythe	forsythe	PROPN
ejif-2309	96	33	,	,	PUNCT
ejif-2309	96	34	2010	2010	NUM
ejif-2309	96	35	)	)	PUNCT
ejif-2309	96	36	.	.	PUNCT
ejif-2309	97	1	hence	hence	ADV
ejif-2309	97	2	,	,	PUNCT
ejif-2309	97	3	the	the	DET
ejif-2309	97	4	overall	overall	ADJ
ejif-2309	97	5	model	model	NOUN
ejif-2309	97	6	is	be	AUX
ejif-2309	97	7	validated	validate	VERB
ejif-2309	97	8	.	.	PUNCT
ejif-2309	98	1	b.	b.	PROPN
ejif-2309	98	2	structural	structural	ADJ
ejif-2309	98	3	model	model	NOUN
ejif-2309	98	4	in	in	ADP
ejif-2309	98	5	order	order	NOUN
ejif-2309	98	6	to	to	PART
ejif-2309	98	7	test	test	VERB
ejif-2309	98	8	the	the	DET
ejif-2309	98	9	hypotheses	hypothesis	NOUN
ejif-2309	98	10	posited	posit	VERB
ejif-2309	98	11	above	above	ADV
ejif-2309	98	12	,	,	PUNCT
ejif-2309	98	13	the	the	DET
ejif-2309	98	14	path	path	NOUN
ejif-2309	98	15	analysis	analysis	NOUN
ejif-2309	98	16	using	use	VERB
ejif-2309	98	17	sem	sem	NOUN
ejif-2309	98	18	is	be	AUX
ejif-2309	98	19	applied	apply	VERB
ejif-2309	98	20	for	for	ADP
ejif-2309	98	21	the	the	DET
ejif-2309	98	22	first	first	ADJ
ejif-2309	98	23	three	three	NUM
ejif-2309	98	24	hypotheses	hypothesis	NOUN
ejif-2309	98	25	,	,	PUNCT
ejif-2309	98	26	while	while	SCONJ
ejif-2309	98	27	t	t	NOUN
ejif-2309	98	28	-	-	PUNCT
ejif-2309	98	29	test	test	NOUN
ejif-2309	98	30	is	be	AUX
ejif-2309	98	31	used	use	VERB
ejif-2309	98	32	to	to	PART
ejif-2309	98	33	test	test	VERB
ejif-2309	98	34	the	the	DET
ejif-2309	98	35	fourth	fourth	ADJ
ejif-2309	98	36	hypothesis	hypothesis	NOUN
ejif-2309	98	37	.	.	PUNCT
ejif-2309	99	1	in	in	ADP
ejif-2309	99	2	this	this	DET
ejif-2309	99	3	regard	regard	NOUN
ejif-2309	99	4	,	,	PUNCT
ejif-2309	99	5	the	the	DET
ejif-2309	99	6	mean	mean	ADJ
ejif-2309	99	7	values	value	NOUN
ejif-2309	99	8	in	in	ADP
ejif-2309	99	9	table	table	NOUN
ejif-2309	99	10	4	4	NUM
ejif-2309	99	11	show	show	VERB
ejif-2309	99	12	high	high	ADJ
ejif-2309	99	13	t	t	NOUN
ejif-2309	99	14	-	-	PUNCT
ejif-2309	99	15	values	value	NOUN
ejif-2309	99	16	for	for	ADP
ejif-2309	99	17	all	all	DET
ejif-2309	99	18	the	the	DET
ejif-2309	99	19	variables	variable	NOUN
ejif-2309	99	20	including	include	VERB
ejif-2309	99	21	behavioural	behavioural	ADJ
ejif-2309	99	22	intention	intention	NOUN
ejif-2309	99	23	,	,	PUNCT
ejif-2309	99	24	with	with	ADP
ejif-2309	99	25	significant	significant	ADJ
ejif-2309	99	26	probability	probability	NOUN
ejif-2309	99	27	values	value	NOUN
ejif-2309	99	28	.	.	PUNCT
ejif-2309	100	1	hence	hence	ADV
ejif-2309	100	2	,	,	PUNCT
ejif-2309	100	3	hypothesis	hypothesis	NOUN
ejif-2309	100	4	4	4	NUM
ejif-2309	100	5	is	be	AUX
ejif-2309	100	6	rejected	reject	VERB
ejif-2309	100	7	.	.	PUNCT
ejif-2309	101	1	this	this	PRON
ejif-2309	101	2	mainly	mainly	ADV
ejif-2309	101	3	indicates	indicate	VERB
ejif-2309	101	4	that	that	SCONJ
ejif-2309	101	5	the	the	DET
ejif-2309	101	6	respondents	respondent	NOUN
ejif-2309	101	7	are	be	AUX
ejif-2309	101	8	satisfied	satisfied	ADJ
ejif-2309	101	9	with	with	ADP
ejif-2309	101	10	their	their	PRON
ejif-2309	101	11	ebanking	ebanking	ADJ
ejif-2309	101	12	experience	experience	NOUN
ejif-2309	101	13	and	and	CCONJ
ejif-2309	101	14	are	be	AUX
ejif-2309	101	15	enthusiastic	enthusiastic	ADJ
ejif-2309	101	16	about	about	ADP
ejif-2309	101	17	it	it	PRON
ejif-2309	101	18	and	and	CCONJ
ejif-2309	101	19	intend	intend	VERB
ejif-2309	101	20	to	to	PART
ejif-2309	101	21	continue	continue	VERB
ejif-2309	101	22	using	use	VERB
ejif-2309	101	23	these	these	DET
ejif-2309	101	24	services	service	NOUN
ejif-2309	101	25	.	.	PUNCT
ejif-2309	102	1	this	this	PRON
ejif-2309	102	2	is	be	AUX
ejif-2309	102	3	illustrated	illustrate	VERB
ejif-2309	102	4	by	by	ADP
ejif-2309	102	5	their	their	PRON
ejif-2309	102	6	appreciation	appreciation	NOUN
ejif-2309	102	7	of	of	ADP
ejif-2309	102	8	the	the	DET
ejif-2309	102	9	usefulness	usefulness	NOUN
ejif-2309	102	10	and	and	CCONJ
ejif-2309	102	11	ease	ease	NOUN
ejif-2309	102	12	of	of	ADP
ejif-2309	102	13	use	use	NOUN
ejif-2309	102	14	of	of	ADP
ejif-2309	102	15	e	e	NOUN
ejif-2309	102	16	-	-	NOUN
ejif-2309	102	17	banking	banking	NOUN
ejif-2309	102	18	which	which	PRON
ejif-2309	102	19	is	be	AUX
ejif-2309	102	20	a	a	DET
ejif-2309	102	21	prerequisite	prerequisite	NOUN
ejif-2309	102	22	for	for	ADP
ejif-2309	102	23	regularly	regularly	ADV
ejif-2309	102	24	using	use	VERB
ejif-2309	102	25	it	it	PRON
ejif-2309	102	26	in	in	ADP
ejif-2309	102	27	their	their	PRON
ejif-2309	102	28	daily	daily	ADJ
ejif-2309	102	29	studies	study	NOUN
ejif-2309	102	30	.	.	PUNCT
ejif-2309	103	1	table	table	NOUN
ejif-2309	103	2	iv	iv	NUM
ejif-2309	103	3	:	:	PUNCT
ejif-2309	103	4	descriptive	descriptive	ADJ
ejif-2309	103	5	analysis	analysis	NOUN
ejif-2309	103	6	and	and	CCONJ
ejif-2309	103	7	t	t	NOUN
ejif-2309	103	8	-	-	PUNCT
ejif-2309	103	9	test	test	NOUN
ejif-2309	103	10	constructs	construct	NOUN
ejif-2309	103	11	mean	mean	VERB
ejif-2309	103	12	t	t	PROPN
ejif-2309	103	13	standard	standard	ADJ
ejif-2309	103	14	deviation	deviation	NOUN
ejif-2309	103	15	perceived	perceive	VERB
ejif-2309	103	16	ease	ease	NOUN
ejif-2309	103	17	of	of	ADP
ejif-2309	103	18	use	use	NOUN
ejif-2309	103	19	3.81	3.81	NUM
ejif-2309	103	20	30.26	30.26	NUM
ejif-2309	103	21	*	*	PUNCT
ejif-2309	103	22	*	*	PUNCT
ejif-2309	103	23	*	*	X
ejif-2309	103	24	0.63	0.63	NUM
ejif-2309	103	25	perceived	perceive	VERB
ejif-2309	103	26	usefulness	usefulness	NOUN
ejif-2309	103	27	4	4	NUM
ejif-2309	103	28	37.7	37.7	NUM
ejif-2309	103	29	*	*	PUNCT
ejif-2309	103	30	*	*	PUNCT
ejif-2309	103	31	*	*	PUNCT
ejif-2309	103	32	0.64	0.64	NUM
ejif-2309	103	33	behavioural	behavioural	ADJ
ejif-2309	103	34	intention	intention	NOUN
ejif-2309	103	35	3.81	3.81	NUM
ejif-2309	103	36	26.83	26.83	NUM
ejif-2309	103	37	*	*	PUNCT
ejif-2309	103	38	*	*	PUNCT
ejif-2309	103	39	*	*	PUNCT
ejif-2309	103	40	0.72	0.72	NUM
ejif-2309	103	41	*	*	PUNCT
ejif-2309	103	42	*	*	PUNCT
ejif-2309	103	43	*	*	PUNCT
ejif-2309	103	44	refer	refer	VERB
ejif-2309	103	45	to	to	ADP
ejif-2309	103	46	significant	significant	ADJ
ejif-2309	103	47	t	t	NOUN
ejif-2309	103	48	-	-	PUNCT
ejif-2309	103	49	test	test	NOUN
ejif-2309	103	50	at	at	ADP
ejif-2309	103	51	1	1	NUM
ejif-2309	103	52	%	%	NOUN
ejif-2309	103	53	ejif	ejif	NOUN
ejif-2309	103	54	–	–	PUNCT
ejif-2309	103	55	european	european	PROPN
ejif-2309	103	56	journal	journal	PROPN
ejif-2309	103	57	of	of	ADP
ejif-2309	103	58	islamic	islamic	PROPN
ejif-2309	103	59	finance	finance	NOUN
ejif-2309	103	60	no	no	DET
ejif-2309	103	61	9	9	NUM
ejif-2309	103	62	,	,	PUNCT
ejif-2309	103	63	april	april	PROPN
ejif-2309	103	64	(	(	PUNCT
ejif-2309	103	65	2018	2018	NUM
ejif-2309	103	66	)	)	PUNCT
ejif-2309	104	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-2309	104	2	issn	issn	VERB
ejif-2309	104	3	2421	2421	NUM
ejif-2309	104	4	-	-	SYM
ejif-2309	104	5	2172	2172	NUM
ejif-2309	104	6	4	4	NUM
ejif-2309	104	7	the	the	DET
ejif-2309	104	8	results	result	NOUN
ejif-2309	104	9	of	of	ADP
ejif-2309	104	10	the	the	DET
ejif-2309	104	11	path	path	NOUN
ejif-2309	104	12	analysis	analysis	NOUN
ejif-2309	104	13	summarised	summarise	VERB
ejif-2309	104	14	in	in	ADP
ejif-2309	104	15	table	table	NOUN
ejif-2309	104	16	5	5	NUM
ejif-2309	104	17	indicate	indicate	VERB
ejif-2309	104	18	that	that	SCONJ
ejif-2309	104	19	perceived	perceive	VERB
ejif-2309	104	20	ease	ease	NOUN
ejif-2309	104	21	of	of	ADP
ejif-2309	104	22	use	use	NOUN
ejif-2309	104	23	has	have	VERB
ejif-2309	104	24	a	a	DET
ejif-2309	104	25	significant	significant	ADJ
ejif-2309	104	26	positive	positive	ADJ
ejif-2309	104	27	impact	impact	NOUN
ejif-2309	104	28	on	on	ADP
ejif-2309	104	29	the	the	DET
ejif-2309	104	30	perceived	perceive	VERB
ejif-2309	104	31	usefulness	usefulness	NOUN
ejif-2309	104	32	of	of	ADP
ejif-2309	104	33	e	e	NOUN
ejif-2309	104	34	-	-	ADJ
ejif-2309	104	35	banking	banking	ADJ
ejif-2309	104	36	services	service	NOUN
ejif-2309	104	37	.	.	PUNCT
ejif-2309	105	1	hence	hence	ADV
ejif-2309	105	2	,	,	PUNCT
ejif-2309	105	3	hypothesis	hypothesis	NOUN
ejif-2309	105	4	1	1	NUM
ejif-2309	105	5	is	be	AUX
ejif-2309	105	6	supported	support	VERB
ejif-2309	105	7	.	.	PUNCT
ejif-2309	106	1	this	this	PRON
ejif-2309	106	2	is	be	AUX
ejif-2309	106	3	in	in	ADP
ejif-2309	106	4	line	line	NOUN
ejif-2309	106	5	with	with	ADP
ejif-2309	106	6	the	the	DET
ejif-2309	106	7	findings	finding	NOUN
ejif-2309	106	8	of	of	ADP
ejif-2309	106	9	davies	davy	NOUN
ejif-2309	106	10	(	(	PUNCT
ejif-2309	106	11	1989	1989	NUM
ejif-2309	106	12	)	)	PUNCT
ejif-2309	106	13	.	.	PUNCT
ejif-2309	107	1	this	this	PRON
ejif-2309	107	2	implies	imply	VERB
ejif-2309	107	3	that	that	SCONJ
ejif-2309	107	4	the	the	DET
ejif-2309	107	5	usefulness	usefulness	NOUN
ejif-2309	107	6	of	of	ADP
ejif-2309	107	7	e	e	NOUN
ejif-2309	107	8	-	-	NOUN
ejif-2309	107	9	banking	banking	ADJ
ejif-2309	107	10	services	service	NOUN
ejif-2309	107	11	for	for	ADP
ejif-2309	107	12	the	the	DET
ejif-2309	107	13	islamic	islamic	ADJ
ejif-2309	107	14	banks	bank	NOUN
ejif-2309	107	15	is	be	AUX
ejif-2309	107	16	highly	highly	ADV
ejif-2309	107	17	dependent	dependent	ADJ
ejif-2309	107	18	on	on	ADP
ejif-2309	107	19	the	the	DET
ejif-2309	107	20	extent	extent	NOUN
ejif-2309	107	21	to	to	PART
ejif-2309	107	22	which	which	PRON
ejif-2309	107	23	the	the	DET
ejif-2309	107	24	e	e	NOUN
ejif-2309	107	25	-	-	ADJ
ejif-2309	107	26	banking	banking	ADJ
ejif-2309	107	27	procedures	procedure	NOUN
ejif-2309	107	28	and	and	CCONJ
ejif-2309	107	29	transactions	transaction	NOUN
ejif-2309	107	30	are	be	AUX
ejif-2309	107	31	easy	easy	ADJ
ejif-2309	107	32	to	to	PART
ejif-2309	107	33	understand	understand	VERB
ejif-2309	107	34	and	and	CCONJ
ejif-2309	107	35	apply	apply	VERB
ejif-2309	107	36	.	.	PUNCT
ejif-2309	108	1	in	in	ADP
ejif-2309	108	2	addition	addition	NOUN
ejif-2309	108	3	,	,	PUNCT
ejif-2309	108	4	it	it	PRON
ejif-2309	108	5	also	also	ADV
ejif-2309	108	6	depends	depend	VERB
ejif-2309	108	7	on	on	ADP
ejif-2309	108	8	the	the	DET
ejif-2309	108	9	extent	extent	NOUN
ejif-2309	108	10	to	to	PART
ejif-2309	108	11	which	which	PRON
ejif-2309	108	12	the	the	DET
ejif-2309	108	13	islamic	islamic	ADJ
ejif-2309	108	14	banks	bank	NOUN
ejif-2309	108	15	’	'	PUNCT
ejif-2309	108	16	customers	customer	NOUN
ejif-2309	108	17	perceive	perceive	VERB
ejif-2309	108	18	e	e	NOUN
ejif-2309	108	19	-	-	NOUN
ejif-2309	108	20	banking	banking	NOUN
ejif-2309	108	21	to	to	PART
ejif-2309	108	22	be	be	AUX
ejif-2309	108	23	useful	useful	ADJ
ejif-2309	108	24	in	in	ADP
ejif-2309	108	25	helping	help	VERB
ejif-2309	108	26	them	they	PRON
ejif-2309	108	27	efficiently	efficiently	ADV
ejif-2309	108	28	conduct	conduct	VERB
ejif-2309	108	29	their	their	PRON
ejif-2309	108	30	daily	daily	ADJ
ejif-2309	108	31	banking	banking	NOUN
ejif-2309	108	32	operations	operation	NOUN
ejif-2309	108	33	.	.	PUNCT
ejif-2309	109	1	furthermore	furthermore	ADV
ejif-2309	109	2	,	,	PUNCT
ejif-2309	109	3	the	the	DET
ejif-2309	109	4	perceived	perceive	VERB
ejif-2309	109	5	ease	ease	NOUN
ejif-2309	109	6	of	of	ADP
ejif-2309	109	7	use	use	NOUN
ejif-2309	109	8	is	be	AUX
ejif-2309	109	9	also	also	ADV
ejif-2309	109	10	found	find	VERB
ejif-2309	109	11	to	to	PART
ejif-2309	109	12	have	have	VERB
ejif-2309	109	13	a	a	DET
ejif-2309	109	14	significant	significant	ADJ
ejif-2309	109	15	positive	positive	ADJ
ejif-2309	109	16	influence	influence	NOUN
ejif-2309	109	17	on	on	ADP
ejif-2309	109	18	the	the	DET
ejif-2309	109	19	intention	intention	NOUN
ejif-2309	109	20	to	to	PART
ejif-2309	109	21	use	use	VERB
ejif-2309	109	22	ebanking	ebanke	VERB
ejif-2309	109	23	.	.	PUNCT
ejif-2309	110	1	hence	hence	ADV
ejif-2309	110	2	,	,	PUNCT
ejif-2309	110	3	hypothesis	hypothesis	NOUN
ejif-2309	110	4	2	2	NUM
ejif-2309	110	5	is	be	AUX
ejif-2309	110	6	supported	support	VERB
ejif-2309	110	7	.	.	PUNCT
ejif-2309	111	1	this	this	PRON
ejif-2309	111	2	is	be	AUX
ejif-2309	111	3	also	also	ADV
ejif-2309	111	4	in	in	ADP
ejif-2309	111	5	line	line	NOUN
ejif-2309	111	6	with	with	ADP
ejif-2309	111	7	the	the	DET
ejif-2309	111	8	findings	finding	NOUN
ejif-2309	111	9	of	of	ADP
ejif-2309	111	10	davies	davy	NOUN
ejif-2309	111	11	(	(	PUNCT
ejif-2309	111	12	1989	1989	NUM
ejif-2309	111	13	)	)	PUNCT
ejif-2309	111	14	,	,	PUNCT
ejif-2309	111	15	and	and	CCONJ
ejif-2309	111	16	it	it	PRON
ejif-2309	111	17	indicates	indicate	VERB
ejif-2309	111	18	that	that	SCONJ
ejif-2309	111	19	the	the	DET
ejif-2309	111	20	above	above	ADV
ejif-2309	111	21	mentioned	mention	VERB
ejif-2309	111	22	dimensions	dimension	NOUN
ejif-2309	111	23	equally	equally	ADV
ejif-2309	111	24	motivate	motivate	VERB
ejif-2309	111	25	the	the	DET
ejif-2309	111	26	customers	customer	NOUN
ejif-2309	111	27	to	to	PART
ejif-2309	111	28	effectively	effectively	ADV
ejif-2309	111	29	use	use	VERB
ejif-2309	111	30	e	e	NOUN
ejif-2309	111	31	-	-	ADJ
ejif-2309	111	32	banking	banking	ADJ
ejif-2309	111	33	services	service	NOUN
ejif-2309	111	34	.	.	PUNCT
ejif-2309	112	1	on	on	ADP
ejif-2309	112	2	the	the	DET
ejif-2309	112	3	other	other	ADJ
ejif-2309	112	4	hand	hand	NOUN
ejif-2309	112	5	,	,	PUNCT
ejif-2309	112	6	perceived	perceive	VERB
ejif-2309	112	7	usefulness	usefulness	NOUN
ejif-2309	112	8	has	have	VERB
ejif-2309	112	9	a	a	DET
ejif-2309	112	10	significant	significant	ADJ
ejif-2309	112	11	positive	positive	ADJ
ejif-2309	112	12	impact	impact	NOUN
ejif-2309	112	13	on	on	ADP
ejif-2309	112	14	the	the	DET
ejif-2309	112	15	intention	intention	NOUN
ejif-2309	112	16	to	to	PART
ejif-2309	112	17	use	use	VERB
ejif-2309	112	18	e	e	NOUN
ejif-2309	112	19	-	-	ADJ
ejif-2309	112	20	banking	banking	ADJ
ejif-2309	112	21	services	service	NOUN
ejif-2309	112	22	.	.	PUNCT
ejif-2309	113	1	hence	hence	ADV
ejif-2309	113	2	,	,	PUNCT
ejif-2309	113	3	hypothesis	hypothesis	NOUN
ejif-2309	113	4	3	3	NUM
ejif-2309	113	5	is	be	AUX
ejif-2309	113	6	supported	support	VERB
ejif-2309	113	7	.	.	PUNCT
ejif-2309	114	1	this	this	PRON
ejif-2309	114	2	is	be	AUX
ejif-2309	114	3	in	in	ADP
ejif-2309	114	4	line	line	NOUN
ejif-2309	114	5	with	with	ADP
ejif-2309	114	6	davies	davy	NOUN
ejif-2309	114	7	(	(	PUNCT
ejif-2309	114	8	1989	1989	NUM
ejif-2309	114	9	)	)	PUNCT
ejif-2309	114	10	.	.	PUNCT
ejif-2309	115	1	particularly	particularly	ADV
ejif-2309	115	2	,	,	PUNCT
ejif-2309	115	3	the	the	DET
ejif-2309	115	4	usefulness	usefulness	NOUN
ejif-2309	115	5	of	of	ADP
ejif-2309	115	6	these	these	DET
ejif-2309	115	7	services	service	NOUN
ejif-2309	115	8	is	be	AUX
ejif-2309	115	9	mainly	mainly	ADV
ejif-2309	115	10	perceived	perceive	VERB
ejif-2309	115	11	by	by	ADP
ejif-2309	115	12	the	the	DET
ejif-2309	115	13	islamic	islamic	ADJ
ejif-2309	115	14	banks	bank	NOUN
ejif-2309	115	15	’	’	PART
ejif-2309	115	16	customers	customer	NOUN
ejif-2309	115	17	in	in	ADP
ejif-2309	115	18	terms	term	NOUN
ejif-2309	115	19	of	of	ADP
ejif-2309	115	20	efficiency	efficiency	NOUN
ejif-2309	115	21	/	/	SYM
ejif-2309	115	22	time	time	NOUN
ejif-2309	115	23	saving	save	VERB
ejif-2309	115	24	in	in	ADP
ejif-2309	115	25	conducting	conduct	VERB
ejif-2309	115	26	banking	banking	NOUN
ejif-2309	115	27	operations	operation	NOUN
ejif-2309	115	28	,	,	PUNCT
ejif-2309	115	29	in	in	ADP
ejif-2309	115	30	terms	term	NOUN
ejif-2309	115	31	of	of	ADP
ejif-2309	115	32	cost	cost	NOUN
ejif-2309	115	33	saving	saving	NOUN
ejif-2309	115	34	,	,	PUNCT
ejif-2309	115	35	as	as	ADV
ejif-2309	115	36	well	well	ADV
ejif-2309	115	37	as	as	ADP
ejif-2309	115	38	in	in	ADP
ejif-2309	115	39	terms	term	NOUN
ejif-2309	115	40	of	of	ADP
ejif-2309	115	41	the	the	DET
ejif-2309	115	42	social	social	ADJ
ejif-2309	115	43	prestige	prestige	NOUN
ejif-2309	115	44	that	that	PRON
ejif-2309	115	45	they	they	PRON
ejif-2309	115	46	provide	provide	VERB
ejif-2309	115	47	compared	compare	VERB
ejif-2309	115	48	to	to	ADP
ejif-2309	115	49	the	the	DET
ejif-2309	115	50	traditional	traditional	ADJ
ejif-2309	115	51	ways	way	NOUN
ejif-2309	115	52	of	of	ADP
ejif-2309	115	53	banking	banking	NOUN
ejif-2309	115	54	.	.	PUNCT
ejif-2309	116	1	table	table	NOUN
ejif-2309	116	2	v	v	NOUN
ejif-2309	116	3	:	:	PUNCT
ejif-2309	116	4	standardised	standardised	ADJ
ejif-2309	116	5	total	total	ADJ
ejif-2309	116	6	effects	effect	NOUN
ejif-2309	116	7	perceived	perceive	VERB
ejif-2309	116	8	usefulness	usefulness	NOUN
ejif-2309	116	9	perceived	perceive	VERB
ejif-2309	116	10	ease	ease	NOUN
ejif-2309	116	11	of	of	ADP
ejif-2309	116	12	use	use	NOUN
ejif-2309	116	13	behavioural	behavioural	ADJ
ejif-2309	116	14	intention	intention	NOUN
ejif-2309	116	15	0.28	0.28	NUM
ejif-2309	116	16	*	*	PUNCT
ejif-2309	116	17	*	*	PUNCT
ejif-2309	116	18	*	*	PUNCT
ejif-2309	117	1	0.49	0.49	NUM
ejif-2309	117	2	*	*	PUNCT
ejif-2309	117	3	*	*	PUNCT
ejif-2309	117	4	*	*	PUNCT
ejif-2309	117	5	perceived	perceive	VERB
ejif-2309	117	6	usefulness	usefulness	NOUN
ejif-2309	117	7	0.62	0.62	NUM
ejif-2309	117	8	*	*	PUNCT
ejif-2309	117	9	*	*	PUNCT
ejif-2309	117	10	*	*	PUNCT
ejif-2309	117	11	v.	v.	ADP
ejif-2309	117	12	discussions	discussion	NOUN
ejif-2309	117	13	and	and	CCONJ
ejif-2309	117	14	conclusions	conclusion	NOUN
ejif-2309	117	15	the	the	DET
ejif-2309	117	16	objective	objective	NOUN
ejif-2309	117	17	of	of	ADP
ejif-2309	117	18	the	the	DET
ejif-2309	117	19	current	current	ADJ
ejif-2309	117	20	study	study	NOUN
ejif-2309	117	21	was	be	AUX
ejif-2309	117	22	to	to	PART
ejif-2309	117	23	explore	explore	VERB
ejif-2309	117	24	the	the	DET
ejif-2309	117	25	intention	intention	NOUN
ejif-2309	117	26	of	of	ADP
ejif-2309	117	27	the	the	DET
ejif-2309	117	28	islamic	islamic	ADJ
ejif-2309	117	29	banks	bank	NOUN
ejif-2309	117	30	’	’	PART
ejif-2309	117	31	customers	customer	NOUN
ejif-2309	117	32	to	to	PART
ejif-2309	117	33	use	use	VERB
ejif-2309	117	34	e	e	NOUN
ejif-2309	117	35	-	-	NOUN
ejif-2309	117	36	banking	banking	NOUN
ejif-2309	117	37	and	and	CCONJ
ejif-2309	117	38	to	to	PART
ejif-2309	117	39	determine	determine	VERB
ejif-2309	117	40	the	the	DET
ejif-2309	117	41	factors	factor	NOUN
ejif-2309	117	42	that	that	PRON
ejif-2309	117	43	influence	influence	VERB
ejif-2309	117	44	it	it	PRON
ejif-2309	117	45	.	.	PUNCT
ejif-2309	118	1	overall	overall	ADV
ejif-2309	118	2	,	,	PUNCT
ejif-2309	118	3	the	the	DET
ejif-2309	118	4	results	result	NOUN
ejif-2309	118	5	indicated	indicate	VERB
ejif-2309	118	6	that	that	SCONJ
ejif-2309	118	7	the	the	DET
ejif-2309	118	8	respondents	respondent	NOUN
ejif-2309	118	9	are	be	AUX
ejif-2309	118	10	intending	intend	VERB
ejif-2309	118	11	to	to	PART
ejif-2309	118	12	use	use	VERB
ejif-2309	118	13	e	e	NOUN
ejif-2309	118	14	-	-	ADJ
ejif-2309	118	15	banking	banking	ADJ
ejif-2309	118	16	services	service	NOUN
ejif-2309	118	17	.	.	PUNCT
ejif-2309	119	1	on	on	ADP
ejif-2309	119	2	the	the	DET
ejif-2309	119	3	other	other	ADJ
ejif-2309	119	4	hand	hand	NOUN
ejif-2309	119	5	,	,	PUNCT
ejif-2309	119	6	the	the	DET
ejif-2309	119	7	findings	finding	NOUN
ejif-2309	119	8	revealed	reveal	VERB
ejif-2309	119	9	that	that	SCONJ
ejif-2309	119	10	the	the	DET
ejif-2309	119	11	perceived	perceive	VERB
ejif-2309	119	12	ease	ease	NOUN
ejif-2309	119	13	of	of	ADP
ejif-2309	119	14	use	use	NOUN
ejif-2309	119	15	has	have	VERB
ejif-2309	119	16	a	a	DET
ejif-2309	119	17	positive	positive	ADJ
ejif-2309	119	18	effect	effect	NOUN
ejif-2309	119	19	on	on	ADP
ejif-2309	119	20	perceived	perceive	VERB
ejif-2309	119	21	usefulness	usefulness	NOUN
ejif-2309	119	22	,	,	PUNCT
ejif-2309	119	23	and	and	CCONJ
ejif-2309	119	24	both	both	PRON
ejif-2309	119	25	have	have	VERB
ejif-2309	119	26	a	a	DET
ejif-2309	119	27	significant	significant	ADJ
ejif-2309	119	28	positive	positive	ADJ
ejif-2309	119	29	effect	effect	NOUN
ejif-2309	119	30	on	on	ADP
ejif-2309	119	31	behavioural	behavioural	ADJ
ejif-2309	119	32	intention	intention	NOUN
ejif-2309	119	33	to	to	PART
ejif-2309	119	34	use	use	VERB
ejif-2309	119	35	e	e	NOUN
ejif-2309	119	36	-	-	NOUN
ejif-2309	119	37	banking	banking	NOUN
ejif-2309	119	38	.	.	PUNCT
ejif-2309	120	1	these	these	DET
ejif-2309	120	2	findings	finding	NOUN
ejif-2309	120	3	have	have	VERB
ejif-2309	120	4	significant	significant	ADJ
ejif-2309	120	5	implications	implication	NOUN
ejif-2309	120	6	for	for	ADP
ejif-2309	120	7	the	the	DET
ejif-2309	120	8	theory	theory	NOUN
ejif-2309	120	9	,	,	PUNCT
ejif-2309	120	10	for	for	ADP
ejif-2309	120	11	the	the	DET
ejif-2309	120	12	policy	policy	NOUN
ejif-2309	120	13	makers	maker	NOUN
ejif-2309	120	14	and	and	CCONJ
ejif-2309	120	15	regulators	regulator	NOUN
ejif-2309	120	16	as	as	ADV
ejif-2309	120	17	well	well	ADV
ejif-2309	120	18	as	as	ADP
ejif-2309	120	19	for	for	ADP
ejif-2309	120	20	the	the	DET
ejif-2309	120	21	practitioners	practitioner	NOUN
ejif-2309	120	22	.	.	PUNCT
ejif-2309	121	1	particularly	particularly	ADV
ejif-2309	121	2	,	,	PUNCT
ejif-2309	121	3	this	this	DET
ejif-2309	121	4	study	study	NOUN
ejif-2309	121	5	is	be	AUX
ejif-2309	121	6	an	an	DET
ejif-2309	121	7	extension	extension	NOUN
ejif-2309	121	8	of	of	ADP
ejif-2309	121	9	the	the	DET
ejif-2309	121	10	technology	technology	NOUN
ejif-2309	121	11	acceptance	acceptance	NOUN
ejif-2309	121	12	model	model	NOUN
ejif-2309	121	13	to	to	ADP
ejif-2309	121	14	a	a	DET
ejif-2309	121	15	different	different	ADJ
ejif-2309	121	16	setting	setting	NOUN
ejif-2309	121	17	and	and	CCONJ
ejif-2309	121	18	a	a	DET
ejif-2309	121	19	different	different	ADJ
ejif-2309	121	20	area	area	NOUN
ejif-2309	121	21	of	of	ADP
ejif-2309	121	22	study	study	NOUN
ejif-2309	121	23	that	that	PRON
ejif-2309	121	24	has	have	AUX
ejif-2309	121	25	been	be	AUX
ejif-2309	121	26	poorly	poorly	ADV
ejif-2309	121	27	studied	study	VERB
ejif-2309	121	28	previously	previously	ADV
ejif-2309	121	29	;	;	PUNCT
ejif-2309	121	30	hence	hence	ADV
ejif-2309	121	31	this	this	DET
ejif-2309	121	32	study	study	NOUN
ejif-2309	121	33	proves	prove	VERB
ejif-2309	121	34	the	the	DET
ejif-2309	121	35	applicability	applicability	NOUN
ejif-2309	121	36	of	of	ADP
ejif-2309	121	37	this	this	DET
ejif-2309	121	38	theory	theory	NOUN
ejif-2309	121	39	in	in	ADP
ejif-2309	121	40	this	this	DET
ejif-2309	121	41	new	new	ADJ
ejif-2309	121	42	context	context	NOUN
ejif-2309	121	43	.	.	PUNCT
ejif-2309	122	1	similarly	similarly	ADV
ejif-2309	122	2	,	,	PUNCT
ejif-2309	122	3	the	the	DET
ejif-2309	122	4	current	current	ADJ
ejif-2309	122	5	study	study	NOUN
ejif-2309	122	6	provides	provide	VERB
ejif-2309	122	7	insights	insight	NOUN
ejif-2309	122	8	to	to	ADP
ejif-2309	122	9	the	the	DET
ejif-2309	122	10	practitioners	practitioner	NOUN
ejif-2309	122	11	and	and	CCONJ
ejif-2309	122	12	policymakers	policymaker	NOUN
ejif-2309	122	13	on	on	ADP
ejif-2309	122	14	the	the	DET
ejif-2309	122	15	important	important	ADJ
ejif-2309	122	16	dimensions	dimension	NOUN
ejif-2309	122	17	to	to	PART
ejif-2309	122	18	be	be	AUX
ejif-2309	122	19	emphasized	emphasize	VERB
ejif-2309	122	20	to	to	PART
ejif-2309	122	21	enhance	enhance	VERB
ejif-2309	122	22	the	the	DET
ejif-2309	122	23	e	e	NOUN
ejif-2309	122	24	-	-	ADJ
ejif-2309	122	25	banking	banking	ADJ
ejif-2309	122	26	usage	usage	NOUN
ejif-2309	122	27	by	by	ADP
ejif-2309	122	28	islamic	islamic	ADJ
ejif-2309	122	29	banks	bank	NOUN
ejif-2309	122	30	’	’	PART
ejif-2309	122	31	customers	customer	NOUN
ejif-2309	122	32	in	in	ADP
ejif-2309	122	33	thailand	thailand	PROPN
ejif-2309	122	34	and	and	CCONJ
ejif-2309	122	35	similar	similar	ADJ
ejif-2309	122	36	settings	setting	NOUN
ejif-2309	122	37	.	.	PUNCT
ejif-2309	123	1	this	this	PRON
ejif-2309	123	2	is	be	AUX
ejif-2309	123	3	expected	expect	VERB
ejif-2309	123	4	to	to	PART
ejif-2309	123	5	promote	promote	VERB
ejif-2309	123	6	the	the	DET
ejif-2309	123	7	islamic	islamic	ADJ
ejif-2309	123	8	banks	bank	NOUN
ejif-2309	123	9	’	'	PUNCT
ejif-2309	123	10	activities	activity	NOUN
ejif-2309	123	11	and	and	CCONJ
ejif-2309	123	12	render	render	VERB
ejif-2309	123	13	them	they	PRON
ejif-2309	123	14	to	to	PART
ejif-2309	123	15	be	be	AUX
ejif-2309	123	16	relatively	relatively	ADV
ejif-2309	123	17	more	more	ADV
ejif-2309	123	18	competitive	competitive	ADJ
ejif-2309	123	19	.	.	PUNCT
ejif-2309	124	1	the	the	DET
ejif-2309	124	2	current	current	ADJ
ejif-2309	124	3	study	study	NOUN
ejif-2309	124	4	has	have	VERB
ejif-2309	124	5	a	a	DET
ejif-2309	124	6	number	number	NOUN
ejif-2309	124	7	of	of	ADP
ejif-2309	124	8	limitations	limitation	NOUN
ejif-2309	124	9	that	that	PRON
ejif-2309	124	10	should	should	AUX
ejif-2309	124	11	be	be	AUX
ejif-2309	124	12	taken	take	VERB
ejif-2309	124	13	into	into	ADP
ejif-2309	124	14	account	account	NOUN
ejif-2309	124	15	in	in	ADP
ejif-2309	124	16	the	the	DET
ejif-2309	124	17	future	future	ADJ
ejif-2309	124	18	studies	study	NOUN
ejif-2309	124	19	in	in	ADP
ejif-2309	124	20	this	this	DET
ejif-2309	124	21	area	area	NOUN
ejif-2309	124	22	.	.	PUNCT
ejif-2309	125	1	firstly	firstly	ADV
ejif-2309	125	2	,	,	PUNCT
ejif-2309	125	3	the	the	DET
ejif-2309	125	4	sample	sample	NOUN
ejif-2309	125	5	size	size	NOUN
ejif-2309	125	6	is	be	AUX
ejif-2309	125	7	relatively	relatively	ADV
ejif-2309	125	8	limited	limited	ADJ
ejif-2309	125	9	,	,	PUNCT
ejif-2309	125	10	though	though	SCONJ
ejif-2309	125	11	accurately	accurately	ADV
ejif-2309	125	12	calculated	calculate	VERB
ejif-2309	125	13	,	,	PUNCT
ejif-2309	125	14	hence	hence	ADV
ejif-2309	125	15	the	the	DET
ejif-2309	125	16	results	result	NOUN
ejif-2309	125	17	can	can	AUX
ejif-2309	125	18	not	not	PART
ejif-2309	125	19	be	be	AUX
ejif-2309	125	20	generalised	generalise	VERB
ejif-2309	125	21	to	to	ADP
ejif-2309	125	22	the	the	DET
ejif-2309	125	23	whole	whole	ADJ
ejif-2309	125	24	population	population	NOUN
ejif-2309	125	25	of	of	ADP
ejif-2309	125	26	islamic	islamic	ADJ
ejif-2309	125	27	banks	bank	NOUN
ejif-2309	125	28	’	’	PART
ejif-2309	125	29	customers	customer	NOUN
ejif-2309	125	30	in	in	ADP
ejif-2309	125	31	thailand	thailand	PROPN
ejif-2309	125	32	.	.	PUNCT
ejif-2309	126	1	thus	thus	ADV
ejif-2309	126	2	,	,	PUNCT
ejif-2309	126	3	the	the	DET
ejif-2309	126	4	future	future	ADJ
ejif-2309	126	5	studies	study	NOUN
ejif-2309	126	6	are	be	AUX
ejif-2309	126	7	recommended	recommend	VERB
ejif-2309	126	8	to	to	PART
ejif-2309	126	9	select	select	VERB
ejif-2309	126	10	a	a	DET
ejif-2309	126	11	larger	large	ADJ
ejif-2309	126	12	and	and	CCONJ
ejif-2309	126	13	more	more	ADV
ejif-2309	126	14	representative	representative	ADJ
ejif-2309	126	15	sample	sample	NOUN
ejif-2309	126	16	size	size	NOUN
ejif-2309	126	17	,	,	PUNCT
ejif-2309	126	18	in	in	ADP
ejif-2309	126	19	order	order	NOUN
ejif-2309	126	20	to	to	PART
ejif-2309	126	21	generalise	generalise	VERB
ejif-2309	126	22	the	the	DET
ejif-2309	126	23	results	result	NOUN
ejif-2309	126	24	to	to	ADP
ejif-2309	126	25	the	the	DET
ejif-2309	126	26	whole	whole	ADJ
ejif-2309	126	27	country	country	NOUN
ejif-2309	126	28	.	.	PUNCT
ejif-2309	127	1	the	the	DET
ejif-2309	127	2	future	future	ADJ
ejif-2309	127	3	studies	study	NOUN
ejif-2309	127	4	are	be	AUX
ejif-2309	127	5	also	also	ADV
ejif-2309	127	6	recommended	recommend	VERB
ejif-2309	127	7	to	to	PART
ejif-2309	127	8	extend	extend	VERB
ejif-2309	127	9	these	these	DET
ejif-2309	127	10	findings	finding	NOUN
ejif-2309	127	11	to	to	ADP
ejif-2309	127	12	other	other	ADJ
ejif-2309	127	13	contexts	context	NOUN
ejif-2309	127	14	and	and	CCONJ
ejif-2309	127	15	preferably	preferably	ADV
ejif-2309	127	16	using	use	VERB
ejif-2309	127	17	other	other	ADJ
ejif-2309	127	18	models	model	NOUN
ejif-2309	127	19	as	as	ADV
ejif-2309	127	20	well	well	ADV
ejif-2309	127	21	.	.	PUNCT
ejif-2309	128	1	references	reference	NOUN
ejif-2309	128	2	aderonke	aderonke	NOUN
ejif-2309	128	3	,	,	PUNCT
ejif-2309	128	4	a.	a.	NOUN
ejif-2309	128	5	and	and	CCONJ
ejif-2309	128	6	charles	charles	PROPN
ejif-2309	128	7	,	,	PUNCT
ejif-2309	128	8	a.	a.	NOUN
ejif-2309	128	9	(	(	PUNCT
ejif-2309	128	10	2010	2010	NUM
ejif-2309	128	11	)	)	PUNCT
ejif-2309	128	12	,	,	PUNCT
ejif-2309	128	13	“	"	PUNCT
ejif-2309	128	14	an	an	DET
ejif-2309	128	15	empirical	empirical	ADJ
ejif-2309	128	16	investigation	investigation	NOUN
ejif-2309	128	17	of	of	ADP
ejif-2309	128	18	the	the	DET
ejif-2309	128	19	level	level	NOUN
ejif-2309	128	20	of	of	ADP
ejif-2309	128	21	users	user	NOUN
ejif-2309	128	22	’	'	PUNCT
ejif-2309	128	23	acceptance	acceptance	NOUN
ejif-2309	128	24	of	of	ADP
ejif-2309	128	25	e	e	NOUN
ejif-2309	128	26	-	-	NOUN
ejif-2309	128	27	banking	banking	NOUN
ejif-2309	128	28	in	in	ADP
ejif-2309	128	29	nigeria	nigeria	PROPN
ejif-2309	128	30	”	"	PUNCT
ejif-2309	128	31	,	,	PUNCT
ejif-2309	128	32	journal	journal	NOUN
ejif-2309	128	33	of	of	ADP
ejif-2309	128	34	internet	internet	NOUN
ejif-2309	128	35	banking	banking	NOUN
ejif-2309	128	36	and	and	CCONJ
ejif-2309	128	37	commerce	commerce	PROPN
ejif-2309	128	38	,	,	PUNCT
ejif-2309	128	39	vol	vol	NOUN
ejif-2309	128	40	.	.	PROPN
ejif-2309	128	41	15	15	NUM
ejif-2309	129	1	no	no	NOUN
ejif-2309	129	2	.	.	NOUN
ejif-2309	129	3	1	1	NUM
ejif-2309	129	4	,	,	PUNCT
ejif-2309	129	5	pp	pp	ADJ
ejif-2309	129	6	.	.	PUNCT
ejif-2309	130	1	1	1	NUM
ejif-2309	130	2	-	-	SYM
ejif-2309	130	3	13	13	NUM
ejif-2309	130	4	.	.	PUNCT
ejif-2309	131	1	broyles	broyle	NOUN
ejif-2309	131	2	,	,	PUNCT
ejif-2309	131	3	a.a	a.a	PROPN
ejif-2309	131	4	.	.	PROPN
ejif-2309	131	5	,	,	PUNCT
ejif-2309	131	6	leingpitul	leingpitul	NOUN
ejif-2309	131	7	,	,	PUNCT
ejif-2309	131	8	t.	t.	PROPN
ejif-2309	131	9	,	,	PUNCT
ejif-2309	131	10	ross	ross	PROPN
ejif-2309	131	11	,	,	PUNCT
ejif-2309	131	12	r.h	r.h	PROPN
ejif-2309	131	13	.	.	PROPN
ejif-2309	131	14	and	and	CCONJ
ejif-2309	131	15	foster	foster	PROPN
ejif-2309	131	16	,	,	PUNCT
ejif-2309	131	17	b.m	b.m	PROPN
ejif-2309	131	18	.	.	PROPN
ejif-2309	131	19	(	(	PUNCT
ejif-2309	131	20	2010	2010	NUM
ejif-2309	131	21	)	)	PUNCT
ejif-2309	131	22	,	,	PUNCT
ejif-2309	131	23	“	"	PUNCT
ejif-2309	131	24	brand	brand	NOUN
ejif-2309	131	25	equity	equity	NOUN
ejif-2309	131	26	’s	’s	PART
ejif-2309	131	27	antecedent	antecedent	NOUN
ejif-2309	131	28	/	/	SYM
ejif-2309	131	29	consequence	consequence	NOUN
ejif-2309	131	30	relationships	relationship	NOUN
ejif-2309	131	31	in	in	ADP
ejif-2309	131	32	cross	cross	ADJ
ejif-2309	131	33	-	-	ADJ
ejif-2309	131	34	cultural	cultural	ADJ
ejif-2309	131	35	settings	setting	NOUN
ejif-2309	131	36	”	"	PUNCT
ejif-2309	131	37	,	,	PUNCT
ejif-2309	131	38	journal	journal	NOUN
ejif-2309	131	39	of	of	ADP
ejif-2309	131	40	product	product	NOUN
ejif-2309	131	41	and	and	CCONJ
ejif-2309	131	42	brand	brand	NOUN
ejif-2309	131	43	management	management	NOUN
ejif-2309	131	44	,	,	PUNCT
ejif-2309	131	45	vol	vol	NOUN
ejif-2309	131	46	.	.	PROPN
ejif-2309	131	47	19	19	NUM
ejif-2309	131	48	no	no	NOUN
ejif-2309	131	49	.	.	NOUN
ejif-2309	132	1	3	3	NUM
ejif-2309	132	2	,	,	PUNCT
ejif-2309	132	3	pp	pp	ADJ
ejif-2309	132	4	.	.	PUNCT
ejif-2309	133	1	159169	159169	NUM
ejif-2309	133	2	.	.	PUNCT
ejif-2309	134	1	davies	davy	NOUN
ejif-2309	134	2	,	,	PUNCT
ejif-2309	134	3	f.d	f.d	PROPN
ejif-2309	134	4	.	.	PROPN
ejif-2309	134	5	(	(	PUNCT
ejif-2309	134	6	1989	1989	NUM
ejif-2309	134	7	)	)	PUNCT
ejif-2309	134	8	,	,	PUNCT
ejif-2309	134	9	“	"	PUNCT
ejif-2309	134	10	perceived	perceive	VERB
ejif-2309	134	11	usefulness	usefulness	NOUN
ejif-2309	134	12	,	,	PUNCT
ejif-2309	134	13	perceived	perceive	VERB
ejif-2309	134	14	ease	ease	NOUN
ejif-2309	134	15	of	of	ADP
ejif-2309	134	16	use	use	NOUN
ejif-2309	134	17	and	and	CCONJ
ejif-2309	134	18	user	user	NOUN
ejif-2309	134	19	acceptance	acceptance	NOUN
ejif-2309	134	20	of	of	ADP
ejif-2309	134	21	information	information	NOUN
ejif-2309	134	22	technology	technology	NOUN
ejif-2309	134	23	”	"	PUNCT
ejif-2309	134	24	,	,	PUNCT
ejif-2309	134	25	mis	mis	PROPN
ejif-2309	134	26	quarterly	quarterly	ADJ
ejif-2309	134	27	,	,	PUNCT
ejif-2309	134	28	vol	vol	NOUN
ejif-2309	134	29	.	.	PROPN
ejif-2309	134	30	13	13	NUM
ejif-2309	135	1	no	no	NOUN
ejif-2309	135	2	.	.	NOUN
ejif-2309	136	1	3	3	NUM
ejif-2309	136	2	,	,	PUNCT
ejif-2309	136	3	pp	pp	ADJ
ejif-2309	136	4	.	.	PUNCT
ejif-2309	137	1	319	319	NUM
ejif-2309	137	2	-	-	SYM
ejif-2309	137	3	340	340	NUM
ejif-2309	137	4	.	.	PUNCT
ejif-2309	138	1	echchabi	echchabi	NOUN
ejif-2309	138	2	,	,	PUNCT
ejif-2309	138	3	a.	a.	NOUN
ejif-2309	138	4	(	(	PUNCT
ejif-2309	138	5	2011	2011	NUM
ejif-2309	138	6	)	)	PUNCT
ejif-2309	138	7	,	,	PUNCT
ejif-2309	138	8	“	"	PUNCT
ejif-2309	138	9	online	online	ADJ
ejif-2309	138	10	banking	banking	NOUN
ejif-2309	138	11	prospects	prospect	NOUN
ejif-2309	138	12	in	in	ADP
ejif-2309	138	13	morocco	morocco	PROPN
ejif-2309	138	14	:	:	PUNCT
ejif-2309	138	15	an	an	DET
ejif-2309	138	16	extension	extension	NOUN
ejif-2309	138	17	of	of	ADP
ejif-2309	138	18	technology	technology	NOUN
ejif-2309	138	19	acceptance	acceptance	NOUN
ejif-2309	138	20	model	model	NOUN
ejif-2309	138	21	”	"	PUNCT
ejif-2309	138	22	,	,	PUNCT
ejif-2309	138	23	journal	journal	NOUN
ejif-2309	138	24	of	of	ADP
ejif-2309	138	25	internet	internet	NOUN
ejif-2309	138	26	banking	banking	NOUN
ejif-2309	138	27	and	and	CCONJ
ejif-2309	138	28	commerce	commerce	PROPN
ejif-2309	138	29	,	,	PUNCT
ejif-2309	138	30	vol	vol	NOUN
ejif-2309	138	31	.	.	PROPN
ejif-2309	139	1	16	16	NUM
ejif-2309	139	2	no	no	NOUN
ejif-2309	139	3	.	.	NOUN
ejif-2309	140	1	3	3	NUM
ejif-2309	140	2	,	,	PUNCT
ejif-2309	140	3	pp.1	pp.1	NOUN
ejif-2309	140	4	-	-	PUNCT
ejif-2309	140	5	13	13	NUM
ejif-2309	140	6	.	.	PUNCT
ejif-2309	141	1	echchabi	echchabi	NOUN
ejif-2309	141	2	,	,	PUNCT
ejif-2309	141	3	a.	a.	NOUN
ejif-2309	141	4	and	and	CCONJ
ejif-2309	141	5	olaniyi	olaniyi	PROPN
ejif-2309	141	6	,	,	PUNCT
ejif-2309	141	7	o.n	o.n	PROPN
ejif-2309	141	8	.	.	PROPN
ejif-2309	141	9	(	(	PUNCT
ejif-2309	141	10	2012	2012	NUM
ejif-2309	141	11	)	)	PUNCT
ejif-2309	141	12	,	,	PUNCT
ejif-2309	141	13	“	"	PUNCT
ejif-2309	141	14	malaysian	malaysian	ADJ
ejif-2309	141	15	consumers	consumer	NOUN
ejif-2309	141	16	'	'	PART
ejif-2309	141	17	preferences	preference	NOUN
ejif-2309	141	18	for	for	ADP
ejif-2309	141	19	islamic	islamic	ADJ
ejif-2309	141	20	banking	banking	NOUN
ejif-2309	141	21	attributes	attribute	VERB
ejif-2309	141	22	”	"	PUNCT
ejif-2309	141	23	,	,	PUNCT
ejif-2309	141	24	international	international	ADJ
ejif-2309	141	25	journal	journal	NOUN
ejif-2309	141	26	of	of	ADP
ejif-2309	141	27	social	social	ADJ
ejif-2309	141	28	economics	economic	NOUN
ejif-2309	141	29	,	,	PUNCT
ejif-2309	141	30	vol	vol	NOUN
ejif-2309	141	31	.	.	PROPN
ejif-2309	141	32	39	39	NUM
ejif-2309	142	1	no	no	NOUN
ejif-2309	142	2	.	.	NOUN
ejif-2309	142	3	11	11	NUM
ejif-2309	142	4	,	,	PUNCT
ejif-2309	142	5	pp.859	pp.859	NOUN
ejif-2309	142	6	-	-	ADJ
ejif-2309	142	7	874	874	NUM
ejif-2309	142	8	echchabi	echchabi	NOUN
ejif-2309	142	9	,	,	PUNCT
ejif-2309	142	10	a.	a.	NOUN
ejif-2309	142	11	and	and	CCONJ
ejif-2309	142	12	aziz	aziz	PROPN
ejif-2309	142	13	,	,	PUNCT
ejif-2309	142	14	h.a	h.a	PROPN
ejif-2309	142	15	.	.	PROPN
ejif-2309	142	16	(	(	PUNCT
ejif-2309	142	17	2013	2013	NUM
ejif-2309	142	18	)	)	PUNCT
ejif-2309	142	19	,	,	PUNCT
ejif-2309	142	20	“	"	PUNCT
ejif-2309	142	21	an	an	DET
ejif-2309	142	22	empirical	empirical	ADJ
ejif-2309	142	23	survey	survey	NOUN
ejif-2309	142	24	on	on	ADP
ejif-2309	142	25	the	the	DET
ejif-2309	142	26	prospects	prospect	NOUN
ejif-2309	142	27	of	of	ADP
ejif-2309	142	28	mobile	mobile	ADJ
ejif-2309	142	29	money	money	NOUN
ejif-2309	142	30	in	in	ADP
ejif-2309	142	31	morocco	morocco	PROPN
ejif-2309	142	32	”	"	PUNCT
ejif-2309	142	33	,	,	PUNCT
ejif-2309	142	34	studies	study	NOUN
ejif-2309	142	35	in	in	ADP
ejif-2309	142	36	business	business	NOUN
ejif-2309	142	37	and	and	CCONJ
ejif-2309	142	38	economics	economic	NOUN
ejif-2309	142	39	,	,	PUNCT
ejif-2309	142	40	vol	vol	NOUN
ejif-2309	142	41	.	.	PROPN
ejif-2309	142	42	8	8	NUM
ejif-2309	142	43	no	no	NOUN
ejif-2309	142	44	.	.	NOUN
ejif-2309	142	45	1	1	NUM
ejif-2309	142	46	,	,	PUNCT
ejif-2309	142	47	pp	pp	ADJ
ejif-2309	142	48	.	.	PUNCT
ejif-2309	143	1	46	46	NUM
ejif-2309	143	2	-	-	SYM
ejif-2309	143	3	54	54	NUM
ejif-2309	143	4	.	.	PUNCT
ejif-2309	144	1	feraro	feraro	NOUN
ejif-2309	144	2	-	-	PUNCT
ejif-2309	144	3	banta	banta	PROPN
ejif-2309	144	4	,	,	PUNCT
ejif-2309	144	5	l.	l.	PROPN
ejif-2309	144	6	(	(	PUNCT
ejif-2309	144	7	2014	2014	NUM
ejif-2309	144	8	)	)	PUNCT
ejif-2309	144	9	,	,	PUNCT
ejif-2309	144	10	“	"	PUNCT
ejif-2309	144	11	assessment	assessment	NOUN
ejif-2309	144	12	of	of	ADP
ejif-2309	144	13	electronic	electronic	ADJ
ejif-2309	144	14	banking	banking	NOUN
ejif-2309	144	15	services	service	NOUN
ejif-2309	144	16	in	in	ADP
ejif-2309	144	17	islamic	islamic	ADJ
ejif-2309	144	18	banks	bank	NOUN
ejif-2309	144	19	:	:	PUNCT
ejif-2309	144	20	bahrain	bahrain	PROPN
ejif-2309	144	21	’s	’s	PART
ejif-2309	144	22	perspective	perspective	NOUN
ejif-2309	144	23	”	"	PUNCT
ejif-2309	144	24	,	,	PUNCT
ejif-2309	144	25	international	international	ADJ
ejif-2309	144	26	advanced	advanced	ADJ
ejif-2309	144	27	research	research	NOUN
ejif-2309	144	28	journal	journal	NOUN
ejif-2309	144	29	in	in	ADP
ejif-2309	144	30	science	science	NOUN
ejif-2309	144	31	engineering	engineering	NOUN
ejif-2309	144	32	and	and	CCONJ
ejif-2309	144	33	technology	technology	NOUN
ejif-2309	144	34	,	,	PUNCT
ejif-2309	144	35	vol	vol	NOUN
ejif-2309	144	36	.	.	PROPN
ejif-2309	144	37	1	1	NUM
ejif-2309	144	38	no	no	NOUN
ejif-2309	144	39	.	.	NOUN
ejif-2309	145	1	3	3	NUM
ejif-2309	145	2	,	,	PUNCT
ejif-2309	145	3	pp	pp	ADJ
ejif-2309	145	4	.	.	PUNCT
ejif-2309	146	1	162	162	NUM
ejif-2309	146	2	-	-	SYM
ejif-2309	146	3	169	169	NUM
ejif-2309	146	4	.	.	PUNCT
ejif-2309	147	1	hair	hair	NOUN
ejif-2309	147	2	,	,	PUNCT
ejif-2309	147	3	j.f	j.f	PROPN
ejif-2309	147	4	.	.	PROPN
ejif-2309	147	5	,	,	PUNCT
ejif-2309	147	6	black	black	ADJ
ejif-2309	147	7	,	,	PUNCT
ejif-2309	147	8	w.c	w.c	PROPN
ejif-2309	147	9	.	.	PROPN
ejif-2309	147	10	,	,	PUNCT
ejif-2309	147	11	babin	babin	PROPN
ejif-2309	147	12	,	,	PUNCT
ejif-2309	147	13	b.j	b.j	PROPN
ejif-2309	147	14	.	.	PROPN
ejif-2309	147	15	and	and	CCONJ
ejif-2309	147	16	anderson	anderson	PROPN
ejif-2309	147	17	,	,	PUNCT
ejif-2309	147	18	r.e	r.e	PROPN
ejif-2309	147	19	.	.	PROPN
ejif-2309	147	20	(	(	PUNCT
ejif-2309	147	21	2010	2010	NUM
ejif-2309	147	22	)	)	PUNCT
ejif-2309	147	23	,	,	PUNCT
ejif-2309	147	24	multivariate	multivariate	VERB
ejif-2309	147	25	data	datum	NOUN
ejif-2309	147	26	analysis	analysis	NOUN
ejif-2309	147	27	,	,	PUNCT
ejif-2309	147	28	seventh	seventh	ADJ
ejif-2309	147	29	edition	edition	NOUN
ejif-2309	147	30	,	,	PUNCT
ejif-2309	147	31	prentice	prentice	NOUN
ejif-2309	147	32	hall	hall	PROPN
ejif-2309	147	33	,	,	PUNCT
ejif-2309	147	34	upper	upper	ADJ
ejif-2309	147	35	saddle	saddle	NOUN
ejif-2309	147	36	river	river	NOUN
ejif-2309	147	37	.	.	PUNCT
ejif-2309	148	1	n.	n.	PROPN
ejif-2309	148	2	j.	j.	PROPN
ejif-2309	148	3	hassanuddin	hassanuddin	PROPN
ejif-2309	148	4	,	,	PUNCT
ejif-2309	148	5	n.a	n.a	PROPN
ejif-2309	148	6	.	.	PROPN
ejif-2309	148	7	,	,	PUNCT
ejif-2309	148	8	abdullah	abdullah	PROPN
ejif-2309	148	9	,	,	PUNCT
ejif-2309	148	10	z.	z.	PROPN
ejif-2309	148	11	,	,	PUNCT
ejif-2309	148	12	mansor	mansor	PROPN
ejif-2309	148	13	,	,	PUNCT
ejif-2309	148	14	n.	n.	PROPN
ejif-2309	148	15	and	and	CCONJ
ejif-2309	148	16	hassan	hassan	PROPN
ejif-2309	148	17	,	,	PUNCT
ejif-2309	148	18	n.h	n.h	PROPN
ejif-2309	148	19	.	.	PUNCT
ejif-2309	148	20	(	(	PUNCT
ejif-2309	148	21	2012	2012	NUM
ejif-2309	148	22	)	)	PUNCT
ejif-2309	148	23	,	,	PUNCT
ejif-2309	148	24	“	"	PUNCT
ejif-2309	148	25	acceptance	acceptance	NOUN
ejif-2309	148	26	towards	towards	ADP
ejif-2309	148	27	the	the	DET
ejif-2309	148	28	use	use	NOUN
ejif-2309	148	29	of	of	ADP
ejif-2309	148	30	internet	internet	NOUN
ejif-2309	148	31	banking	banking	NOUN
ejif-2309	148	32	services	service	NOUN
ejif-2309	148	33	of	of	ADP
ejif-2309	148	34	cooperative	cooperative	ADJ
ejif-2309	148	35	bank	bank	NOUN
ejif-2309	148	36	”	"	PUNCT
ejif-2309	148	37	,	,	PUNCT
ejif-2309	148	38	international	international	ADJ
ejif-2309	148	39	journal	journal	NOUN
ejif-2309	148	40	of	of	ADP
ejif-2309	148	41	academic	academic	ADJ
ejif-2309	148	42	research	research	NOUN
ejif-2309	148	43	in	in	ADP
ejif-2309	148	44	business	business	NOUN
ejif-2309	148	45	and	and	CCONJ
ejif-2309	148	46	social	social	ADJ
ejif-2309	148	47	sciences	science	NOUN
ejif-2309	148	48	,	,	PUNCT
ejif-2309	148	49	vol	vol	NOUN
ejif-2309	148	50	.	.	NOUN
ejif-2309	148	51	2	2	NUM
ejif-2309	148	52	no	no	NOUN
ejif-2309	148	53	.	.	NOUN
ejif-2309	149	1	3	3	NUM
ejif-2309	149	2	,	,	PUNCT
ejif-2309	149	3	pp	pp	ADJ
ejif-2309	149	4	.	.	PUNCT
ejif-2309	150	1	135	135	NUM
ejif-2309	150	2	-	-	SYM
ejif-2309	150	3	147	147	NUM
ejif-2309	150	4	.	.	PUNCT
ejif-2309	151	1	khater	khater	PROPN
ejif-2309	151	2	,	,	PUNCT
ejif-2309	151	3	a.h.o	a.h.o	NOUN
ejif-2309	151	4	.	.	PUNCT
ejif-2309	151	5	,	,	PUNCT
ejif-2309	151	6	almansour	almansour	PROPN
ejif-2309	151	7	,	,	PUNCT
ejif-2309	151	8	b.a	b.a	PROPN
ejif-2309	151	9	.	.	PROPN
ejif-2309	151	10	and	and	CCONJ
ejif-2309	151	11	mahmoud	mahmoud	PROPN
ejif-2309	151	12	,	,	PUNCT
ejif-2309	151	13	m.h	m.h	PROPN
ejif-2309	151	14	.	.	PROPN
ejif-2309	151	15	(	(	PUNCT
ejif-2309	151	16	2013	2013	NUM
ejif-2309	151	17	)	)	PUNCT
ejif-2309	152	1	,	,	PUNCT
ejif-2309	152	2	“	"	PUNCT
ejif-2309	152	3	factors	factor	NOUN
ejif-2309	152	4	influencing	influence	VERB
ejif-2309	152	5	customers	customer	NOUN
ejif-2309	152	6	’	'	PUNCT
ejif-2309	152	7	acceptance	acceptance	NOUN
ejif-2309	152	8	of	of	ADP
ejif-2309	152	9	internet	internet	NOUN
ejif-2309	152	10	banking	banking	NOUN
ejif-2309	152	11	services	service	NOUN
ejif-2309	152	12	in	in	ADP
ejif-2309	152	13	sudan	sudan	PROPN
ejif-2309	152	14	”	"	PUNCT
ejif-2309	152	15	,	,	PUNCT
ejif-2309	152	16	international	international	ADJ
ejif-2309	152	17	journal	journal	NOUN
ejif-2309	152	18	of	of	ADP
ejif-2309	152	19	science	science	NOUN
ejif-2309	152	20	and	and	CCONJ
ejif-2309	152	21	research	research	NOUN
ejif-2309	152	22	,	,	PUNCT
ejif-2309	152	23	vol	vol	NOUN
ejif-2309	152	24	.	.	PROPN
ejif-2309	152	25	5	5	NUM
ejif-2309	152	26	no	no	NOUN
ejif-2309	152	27	.	.	NOUN
ejif-2309	152	28	1	1	NUM
ejif-2309	152	29	,	,	PUNCT
ejif-2309	152	30	pp	pp	ADJ
ejif-2309	152	31	.	.	PUNCT
ejif-2309	152	32	1429	1429	NUM
ejif-2309	152	33	-	-	SYM
ejif-2309	152	34	1433	1433	NUM
ejif-2309	152	35	.	.	PUNCT
ejif-2309	153	1	kim	kim	PROPN
ejif-2309	153	2	,	,	PUNCT
ejif-2309	153	3	j.	j.	PROPN
ejif-2309	153	4	and	and	CCONJ
ejif-2309	153	5	forsythe	forsythe	PROPN
ejif-2309	153	6	,	,	PUNCT
ejif-2309	153	7	s.	s.	PROPN
ejif-2309	153	8	(	(	PUNCT
ejif-2309	153	9	2010	2010	NUM
ejif-2309	153	10	)	)	PUNCT
ejif-2309	153	11	,	,	PUNCT
ejif-2309	153	12	“	"	PUNCT
ejif-2309	153	13	factor	factor	NOUN
ejif-2309	153	14	affecting	affect	VERB
ejif-2309	153	15	adoption	adoption	NOUN
ejif-2309	153	16	of	of	ADP
ejif-2309	153	17	product	product	NOUN
ejif-2309	153	18	virtualisation	virtualisation	NOUN
ejif-2309	153	19	technology	technology	NOUN
ejif-2309	153	20	for	for	ADP
ejif-2309	153	21	online	online	ADJ
ejif-2309	153	22	consumer	consumer	NOUN
ejif-2309	153	23	electronics	electronic	NOUN
ejif-2309	153	24	shopping	shopping	NOUN
ejif-2309	153	25	”	"	PUNCT
ejif-2309	153	26	,	,	PUNCT
ejif-2309	153	27	international	international	ADJ
ejif-2309	153	28	journal	journal	NOUN
ejif-2309	153	29	for	for	ADP
ejif-2309	153	30	retail	retail	ADJ
ejif-2309	153	31	and	and	CCONJ
ejif-2309	153	32	distribution	distribution	NOUN
ejif-2309	153	33	management	management	NOUN
ejif-2309	153	34	,	,	PUNCT
ejif-2309	153	35	vol	vol	NOUN
ejif-2309	153	36	.	.	PROPN
ejif-2309	153	37	38	38	NUM
ejif-2309	153	38	,	,	PUNCT
ejif-2309	153	39	pp	pp	ADJ
ejif-2309	153	40	.	.	PUNCT
ejif-2309	154	1	190	190	NUM
ejif-2309	154	2	-	-	SYM
ejif-2309	154	3	204	204	NUM
ejif-2309	154	4	.	.	PUNCT
ejif-2309	155	1	krauter	krauter	NOUN
ejif-2309	155	2	,	,	PUNCT
ejif-2309	155	3	s.g	s.g	PROPN
ejif-2309	155	4	.	.	PROPN
ejif-2309	155	5	and	and	CCONJ
ejif-2309	155	6	faullant	faullant	PROPN
ejif-2309	155	7	,	,	PUNCT
ejif-2309	155	8	r.	r.	PROPN
ejif-2309	155	9	(	(	PUNCT
ejif-2309	155	10	2008	2008	NUM
ejif-2309	155	11	)	)	PUNCT
ejif-2309	155	12	,	,	PUNCT
ejif-2309	155	13	"	"	PUNCT
ejif-2309	155	14	consumer	consumer	NOUN
ejif-2309	155	15	acceptance	acceptance	NOUN
ejif-2309	155	16	of	of	ADP
ejif-2309	155	17	internet	internet	NOUN
ejif-2309	155	18	banking	banking	NOUN
ejif-2309	155	19	:	:	PUNCT
ejif-2309	155	20	the	the	DET
ejif-2309	155	21	influence	influence	NOUN
ejif-2309	155	22	of	of	ADP
ejif-2309	155	23	internet	internet	NOUN
ejif-2309	155	24	trust	trust	NOUN
ejif-2309	155	25	"	"	PUNCT
ejif-2309	155	26	,	,	PUNCT
ejif-2309	155	27	international	international	ADJ
ejif-2309	155	28	journal	journal	NOUN
ejif-2309	155	29	of	of	ADP
ejif-2309	155	30	bank	bank	PROPN
ejif-2309	155	31	marketing	marketing	NOUN
ejif-2309	155	32	,	,	PUNCT
ejif-2309	155	33	vol	vol	NOUN
ejif-2309	155	34	.	.	PROPN
ejif-2309	155	35	26	26	NUM
ejif-2309	156	1	no	no	NOUN
ejif-2309	156	2	.	.	NOUN
ejif-2309	157	1	7	7	NUM
ejif-2309	157	2	,	,	PUNCT
ejif-2309	157	3	pp	pp	ADJ
ejif-2309	157	4	.	.	PUNCT
ejif-2309	158	1	483	483	NUM
ejif-2309	158	2	-	-	SYM
ejif-2309	158	3	504	504	NUM
ejif-2309	158	4	.	.	PUNCT
ejif-2309	159	1	singh	singh	PROPN
ejif-2309	159	2	,	,	PUNCT
ejif-2309	159	3	r.	r.	PROPN
ejif-2309	159	4	,	,	PUNCT
ejif-2309	159	5	sandhu	sandhu	PROPN
ejif-2309	159	6	,	,	PUNCT
ejif-2309	159	7	h.s	h.s	PROPN
ejif-2309	159	8	.	.	PROPN
ejif-2309	159	9	,	,	PUNCT
ejif-2309	159	10	metri	metri	PROPN
ejif-2309	159	11	,	,	PUNCT
ejif-2309	159	12	b.a	b.a	PROPN
ejif-2309	159	13	.	.	PROPN
ejif-2309	159	14	and	and	CCONJ
ejif-2309	159	15	kaur	kaur	PROPN
ejif-2309	159	16	,	,	PUNCT
ejif-2309	159	17	r.	r.	PROPN
ejif-2309	159	18	(	(	PUNCT
ejif-2309	159	19	2011	2011	NUM
ejif-2309	159	20	)	)	PUNCT
ejif-2309	159	21	,	,	PUNCT
ejif-2309	159	22	“	"	PUNCT
ejif-2309	159	23	organisational	organisational	ADJ
ejif-2309	159	24	performance	performance	NOUN
ejif-2309	159	25	and	and	CCONJ
ejif-2309	159	26	retail	retail	ADJ
ejif-2309	159	27	challenges	challenge	NOUN
ejif-2309	159	28	:	:	PUNCT
ejif-2309	159	29	a	a	DET
ejif-2309	159	30	structural	structural	ADJ
ejif-2309	159	31	equation	equation	NOUN
ejif-2309	159	32	approach	approach	NOUN
ejif-2309	159	33	”	"	PUNCT
ejif-2309	159	34	,	,	PUNCT
ejif-2309	159	35	ibusiness	ibusiness	ADJ
ejif-2309	159	36	,	,	PUNCT
ejif-2309	159	37	vol	vol	NOUN
ejif-2309	159	38	.	.	PROPN
ejif-2309	159	39	3	3	NUM
ejif-2309	159	40	,	,	PUNCT
ejif-2309	159	41	pp	pp	ADJ
ejif-2309	159	42	.	.	PUNCT
ejif-2309	160	1	159	159	NUM
ejif-2309	160	2	-	-	SYM
ejif-2309	160	3	168	168	NUM
ejif-2309	160	4	.	.	PUNCT
ejif-2309	161	1	ejif	ejif	PROPN
ejif-2309	161	2	–	–	PUNCT
ejif-2309	161	3	european	european	PROPN
ejif-2309	161	4	journal	journal	PROPN
ejif-2309	161	5	of	of	ADP
ejif-2309	161	6	islamic	islamic	PROPN
ejif-2309	161	7	finance	finance	PROPN
ejif-2309	161	8	editorial	editorial	ADJ
ejif-2309	161	9	team	team	NOUN
ejif-2309	161	10	editor	editor	NOUN
ejif-2309	161	11	in	in	ADP
ejif-2309	161	12	chief	chief	ADJ
ejif-2309	161	13	prof	prof	NOUN
ejif-2309	161	14	.	.	PUNCT
ejif-2309	161	15	paolo	paolo	PROPN
ejif-2309	161	16	pietro	pietro	PROPN
ejif-2309	161	17	biancone	biancone	NOUN
ejif-2309	161	18	,	,	PUNCT
ejif-2309	161	19	university	university	PROPN
ejif-2309	161	20	of	of	ADP
ejif-2309	161	21	turin	turin	PROPN
ejif-2309	161	22	,	,	PUNCT
ejif-2309	161	23	italy	italy	PROPN
ejif-2309	161	24	editorial	editorial	PROPN
ejif-2309	161	25	board	board	PROPN
ejif-2309	161	26	prof	prof	PROPN
ejif-2309	161	27	.	.	PUNCT
ejif-2309	162	1	dian	dian	PROPN
ejif-2309	162	2	masyita	masyita	PROPN
ejif-2309	162	3	,	,	PUNCT
ejif-2309	162	4	university	university	NOUN
ejif-2309	162	5	of	of	ADP
ejif-2309	162	6	padjadjaran	padjadjaran	PROPN
ejif-2309	162	7	,	,	PUNCT
ejif-2309	162	8	indonesia	indonesia	PROPN
ejif-2309	162	9	prof	prof	PROPN
ejif-2309	162	10	.	.	PUNCT
ejif-2309	163	1	abdulazeem	abdulazeem	PROPN
ejif-2309	163	2	abozaid	abozaid	PROPN
ejif-2309	163	3	,	,	PUNCT
ejif-2309	163	4	qatar	qatar	PROPN
ejif-2309	163	5	faculty	faculty	NOUN
ejif-2309	163	6	of	of	ADP
ejif-2309	163	7	islamic	islamic	ADJ
ejif-2309	163	8	studies	study	NOUN
ejif-2309	163	9	–	–	PUNCT
ejif-2309	163	10	qatar	qatar	PROPN
ejif-2309	163	11	prof	prof	NOUN
ejif-2309	163	12	.	.	PUNCT
ejif-2309	164	1	ahmad	ahmad	PROPN
ejif-2309	164	2	aref	aref	PROPN
ejif-2309	164	3	almazari	almazari	PROPN
ejif-2309	164	4	,	,	PUNCT
ejif-2309	164	5	king	king	PROPN
ejif-2309	164	6	saud	saud	PROPN
ejif-2309	164	7	university	university	PROPN
ejif-2309	164	8	,	,	PUNCT
ejif-2309	164	9	saudi	saudi	PROPN
ejif-2309	164	10	arabia	arabia	PROPN
ejif-2309	164	11	prof	prof	PROPN
ejif-2309	164	12	.	.	PUNCT
ejif-2309	165	1	nidal	nidal	PROPN
ejif-2309	165	2	a.	a.	PROPN
ejif-2309	165	3	alsayyed	alsayye	VERB
ejif-2309	165	4	,	,	PUNCT
ejif-2309	165	5	inayah	inayah	VERB
ejif-2309	165	6	islamic	islamic	PROPN
ejif-2309	165	7	finance	finance	PROPN
ejif-2309	165	8	research	research	PROPN
ejif-2309	165	9	institute	institute	PROPN
ejif-2309	165	10	,	,	PUNCT
ejif-2309	165	11	usa	usa	PROPN
ejif-2309	165	12	prof	prof	PROPN
ejif-2309	165	13	.	.	PUNCT
ejif-2309	166	1	roberta	roberta	PROPN
ejif-2309	166	2	aluffi	aluffi	PROPN
ejif-2309	166	3	,	,	PUNCT
ejif-2309	166	4	university	university	PROPN
ejif-2309	166	5	of	of	ADP
ejif-2309	166	6	turin	turin	PROPN
ejif-2309	166	7	italy	italy	PROPN
ejif-2309	166	8	prof	prof	PROPN
ejif-2309	166	9	.	.	PUNCT
ejif-2309	167	1	ghassen	ghassen	PROPN
ejif-2309	167	2	bouslama	bouslama	PROPN
ejif-2309	167	3	,	,	PUNCT
ejif-2309	167	4	neoma	neoma	PROPN
ejif-2309	167	5	business	business	PROPN
ejif-2309	167	6	school	school	PROPN
ejif-2309	167	7	campus	campus	NOUN
ejif-2309	167	8	de	de	X
ejif-2309	167	9	reims	reims	X
ejif-2309	167	10	,	,	PUNCT
ejif-2309	167	11	france	france	PROPN
ejif-2309	167	12	prof	prof	PROPN
ejif-2309	167	13	.	.	PUNCT
ejif-2309	168	1	nazam	nazam	PROPN
ejif-2309	168	2	dzolkarnaini	dzolkarnaini	PROPN
ejif-2309	168	3	,	,	PUNCT
ejif-2309	168	4	salford	salford	PROPN
ejif-2309	168	5	university	university	PROPN
ejif-2309	168	6	,	,	PUNCT
ejif-2309	168	7	uk	uk	PROPN
ejif-2309	168	8	prof	prof	PROPN
ejif-2309	168	9	.	.	PUNCT
ejif-2309	169	1	kabir	kabir	PROPN
ejif-2309	169	2	hassan	hassan	PROPN
ejif-2309	169	3	,	,	PUNCT
ejif-2309	169	4	university	university	NOUN
ejif-2309	169	5	of	of	ADP
ejif-2309	169	6	new	new	PROPN
ejif-2309	169	7	orleans	orleans	PROPN
ejif-2309	169	8	,	,	PUNCT
ejif-2309	169	9	usa	usa	PROPN
ejif-2309	169	10	prof	prof	PROPN
ejif-2309	169	11	.	.	PUNCT
ejif-2309	170	1	khaled	khaled	PROPN
ejif-2309	170	2	hussainey	hussainey	PROPN
ejif-2309	170	3	,	,	PUNCT
ejif-2309	170	4	university	university	NOUN
ejif-2309	170	5	of	of	ADP
ejif-2309	170	6	plymouth	plymouth	PROPN
ejif-2309	170	7	,	,	PUNCT
ejif-2309	170	8	uk	uk	PROPN
ejif-2309	170	9	prof	prof	PROPN
ejif-2309	170	10	.	.	PUNCT
ejif-2309	171	1	rifki	rifki	PROPN
ejif-2309	171	2	ismal	ismal	NOUN
ejif-2309	171	3	,	,	PUNCT
ejif-2309	171	4	university	university	NOUN
ejif-2309	171	5	of	of	ADP
ejif-2309	171	6	indonesia	indonesia	PROPN
ejif-2309	171	7	prof	prof	PROPN
ejif-2309	171	8	.	.	PUNCT
ejif-2309	172	1	tariqullah	tariqullah	PROPN
ejif-2309	172	2	khan	khan	PROPN
ejif-2309	172	3	,	,	PUNCT
ejif-2309	172	4	hamad	hamad	PROPN
ejif-2309	172	5	bin	bin	PROPN
ejif-2309	172	6	khalifa	khalifa	PROPN
ejif-2309	172	7	university	university	PROPN
ejif-2309	172	8	,	,	PUNCT
ejif-2309	172	9	qatar	qatar	PROPN
ejif-2309	172	10	prof	prof	PROPN
ejif-2309	172	11	.	.	PROPN
ejif-2309	173	1	ali	ali	PROPN
ejif-2309	173	2	khorshid	khorshid	PROPN
ejif-2309	173	3	,	,	PUNCT
ejif-2309	173	4	icma	icma	NOUN
ejif-2309	173	5	centre	centre	NOUN
ejif-2309	173	6	reading	read	VERB
ejif-2309	173	7	university	university	PROPN
ejif-2309	173	8	uk	uk	PROPN
ejif-2309	173	9	prof	prof	PROPN
ejif-2309	173	10	.	.	PUNCT
ejif-2309	174	1	amir	amir	PROPN
ejif-2309	174	2	kia	kia	PROPN
ejif-2309	174	3	,	,	PUNCT
ejif-2309	174	4	utah	utah	PROPN
ejif-2309	174	5	valley	valley	PROPN
ejif-2309	174	6	university	university	PROPN
ejif-2309	174	7	,	,	PUNCT
ejif-2309	174	8	usa	usa	PROPN
ejif-2309	174	9	prof	prof	PROPN
ejif-2309	174	10	.	.	PUNCT
ejif-2309	175	1	laurent	laurent	PROPN
ejif-2309	175	2	marliere	marliere	ADV
ejif-2309	175	3	,	,	PUNCT
ejif-2309	175	4	université	université	PROPN
ejif-2309	175	5	paris	paris	PROPN
ejif-2309	175	6	-	-	PUNCT
ejif-2309	175	7	dauphine	dauphine	PROPN
ejif-2309	175	8	france	france	PROPN
ejif-2309	175	9	prof	prof	PROPN
ejif-2309	175	10	.	.	PUNCT
ejif-2309	176	1	federica	federica	PROPN
ejif-2309	176	2	miglietta	miglietta	PROPN
ejif-2309	176	3	,	,	PUNCT
ejif-2309	176	4	university	university	NOUN
ejif-2309	176	5	of	of	ADP
ejif-2309	176	6	bari	bari	PROPN
ejif-2309	176	7	italy	italy	PROPN
ejif-2309	176	8	prof	prof	PROPN
ejif-2309	176	9	.	.	PUNCT
ejif-2309	177	1	hakim	hakim	PROPN
ejif-2309	177	2	ben	ben	PROPN
ejif-2309	177	3	othman	othman	PROPN
ejif-2309	177	4	,	,	PUNCT
ejif-2309	177	5	university	university	PROPN
ejif-2309	177	6	of	of	ADP
ejif-2309	177	7	tunis	tunis	PROPN
ejif-2309	177	8	tunisia	tunisia	PROPN
ejif-2309	177	9	prof	prof	PROPN
ejif-2309	177	10	.	.	PUNCT
ejif-2309	178	1	mohamed	mohamed	PROPN
ejif-2309	178	2	ramady	ramady	PROPN
ejif-2309	178	3	,	,	PUNCT
ejif-2309	178	4	king	king	PROPN
ejif-2309	178	5	fahd	fahd	PROPN
ejif-2309	178	6	university	university	PROPN
ejif-2309	178	7	of	of	ADP
ejif-2309	178	8	petroleum	petroleum	NOUN
ejif-2309	178	9	and	and	CCONJ
ejif-2309	178	10	minerals	mineral	NOUN
ejif-2309	178	11	,	,	PUNCT
ejif-2309	179	1	saudi	saudi	PROPN
ejif-2309	179	2	arabia	arabia	PROPN
ejif-2309	179	3	prof	prof	PROPN
ejif-2309	179	4	.	.	PROPN
ejif-2309	179	5	mamunur	mamunur	PROPN
ejif-2309	179	6	rashid	rashid	PROPN
ejif-2309	179	7	,	,	PUNCT
ejif-2309	179	8	nottingham	nottingham	PROPN
ejif-2309	179	9	university	university	PROPN
ejif-2309	179	10	,	,	PUNCT
ejif-2309	179	11	malaysia	malaysia	PROPN
ejif-2309	179	12	prof	prof	PROPN
ejif-2309	179	13	.	.	PUNCT
ejif-2309	180	1	younes	younes	PROPN
ejif-2309	180	2	soualhi	soualhi	PROPN
ejif-2309	180	3	,	,	PUNCT
ejif-2309	180	4	international	international	PROPN
ejif-2309	180	5	islamic	islamic	PROPN
ejif-2309	180	6	university	university	PROPN
ejif-2309	180	7	malaysia	malaysia	PROPN
ejif-2309	180	8	prof	prof	PROPN
ejif-2309	180	9	.	.	PUNCT
ejif-2309	181	1	laurent	laurent	PROPN
ejif-2309	181	2	weill	weill	PROPN
ejif-2309	181	3	,	,	PUNCT
ejif-2309	181	4	university	university	NOUN
ejif-2309	181	5	of	of	ADP
ejif-2309	181	6	strasbourg	strasbourg	PROPN
ejif-2309	181	7	,	,	PUNCT
ejif-2309	181	8	france	france	PROPN